Liga Champions 2012/2013 Dimulai!

Jakarta - Perebutan trofi Liga Champions musim 2012/2013 dimulai. Juara musim lalu Chelsea berusaha mempertahankan, klub-klub top Eropa akan coba menghadang, sedangkan yang lain siap bikin kejutan. Persaingan ke-32 klub Eropa itu untuk tiba di Wembley, tempat laga final dihelat, mulai bergulir tengah pekan ini.

Musim lalu Chelsea tersenyum paling lebar setelah berhasil tampil jadi kampiun menyusul kemenangannya atas Bayern Munich dalam laga puncak yang dihelat di Allianz Arena. Musim ini pertarungan akan dimulai lagi, kali ini untuk mencapai Stadion Wembley tempat laga final dihelat pada 25 Mei 2013.

Dari grup A, laga matchday I akan mempertemukan Dinamo Zagreb kontra Porto dan Paris Saint-Germain versus Dynamo Kyiv. Niscaya banyak yang menanti bagaimana aksi PSG di Eropa menyusul aktivitas transfernya yang agresif musim panas ini.

Di Grup B ada klub papan atas Inggris, Arsenal, yang akan diuji oleh tuan rumah Montpellier. Sedangkan klub tangguh Jerman Schalke melawat ke markas Olympiakos.

Di Grup C hadir partai Malaga lawan Zenit St. Petersburg, tapi laga antara AC Milan versus Anderlecht niscaya lebih dinantikan, terlebih Milan baru saja merasakan kekalahan kandang keduanya di Seri A.

Sementara itu "grup neraka" yang berisikan empat kampiun liga musim lalu, Grup D, akan langsung menyajikan laga-laga sengit; Borussia Dortmund versus Ajax, dan Real Madrid kontra Manchester City. Mengingat sengitnya grup ini, hasil di matchday I niscaya amat krusial untuk menentukan kelolosan.

Total delapan pertandingan dari Grup A sampai Grup D itu akan dimainkan bersamaan Selasa (18/9/2012) waktu setempat atau Rabu (19/9) dinihari WIB.

Berikutnya ada partai-partai dari Grup E sampai Grup H yang dipentaskan secara bersamaan Rabu (19/9) waktu setempat alias Kamis (20/9) dinihari WIB.

Dari Grup E, juara bertahan Chelsea akan langsung mendapat ujian berat dari kampiun Seri A Juventus yang kembali ke pentas Liga Champions. Sedangkan di partai lain ada laga Shakhtar Donetsk versus Nordsjaelland.

Di Grup F, Bayern yang merupakan finalis tahun lalu akan mulai menapaki usahanya masuk final lagi dengan menjamu Valencia. Sementara di partai lain, BATE Borisov akan dijamu Lille.

Sementara di Grup G klub raksasa Spanyol, Barcelona, yang tengah melaju kencang di liga bakal menjamu Spartak Moskow. Di laga lain, ada duel antara Celtic versus Benfica.

Grup H, grup terakhir, akan memunculkan pertarungan antara Manchester United versus Galatasaray, dan Braga kontra CFR Cluj. MU diunggulkan lolos dari grup ini, tetapi kejutan bukan tak mungkin hadir seperti musim lalu ketika 'Setan Merah' cuma finis ketiga di klasemen akhir grup.
Siapa jago Anda?



Jadwal Matchday I
Rabu (19/9) dinihari WIB
Grup A
Dinamo Zagreb vs FC Porto Maksimir Stadium
Paris Saint-Germain vs Dynamo Kiev Parc des Princes

Grup B
Montpellier vs Arsenal Stade de la Mosson
Olympiakos vs Schalke 04 Karaiskaki Stadium

Grup C
AC Milan vs Anderlecht Stadio San Siro
Malaga vs Zenit St Petersburg Estadio La Rosaleda

Grup D
Borussia Dortmund vs Ajax Amsterdam Signal-Iduna-Park
Real Madrid vs Manchester City Estadio Santiago Bernabeu

Kamis (20/9) dinihari WIB
Grup E
Chelsea vs Juventus Stamford Bridge
Shakhtar Donetsk vs FC Nordsjaelland Donbass Arena

Grup F
Bayern Munich vs Valencia Allianz Arena
Lille vs BATE Borisov Grand Stade Lille Metropole

Grup G
Barcelona vs Spartak Moscow Estadio Camp Nou
Celtic vs Benfica Celtic Park

Grup H
Braga vs CFR Cluj-Napoca Braga Municipal
Manchester United vs Galatasaray Old Trafford

barcelona walpaper 2012

barcelona best of the best walpaper 2012-2013

best of the best walpaper barcelona 2012-2013

best of the best walpaper barcelona 2012-2013

best of the best walpaper barcelona 2012-2013

best of the best walpaper barcelona 2012-2013

Avast Antivirus Gratis License Key Sampai 2038

Jika anda menginginkan antivirus gratis terbaik anda bisa gunakan salah satu antivirus berikut dimana dalam versi terbarunya Avast menambahkan fitur terbaru yang telah saya posting sedikit referensinya pada artikel komputer tips disini : Download Avast Antivirus 6.0 Free Terbaru.
Untuk mengaktifkan license and bisa gunakan license berikut yang valid hingga 2038 waw.

CatatanLicense hanya dapat digunakan pada Avast AV free dan gunakan Avast free untuk keperluan non komersial. Dan tidak ada jaminan license key berikut sampai 2038

Avast License Key: W6754380R9978A0910-4TZ59467

Sumber :
http://tricks-collections.com/avast-license-key-activate-avast-free-antivirus-until-2038/

Kata mutiara Islam:Hanya ada 1 Rahmat Allah di Dunia

Kata Mutiara Islam:

Hanya ada 1 Rahmat Allah di Dunia

Kata kata indah islam dan kata mutiara islam : Ada 100 Rahmat Allah, 1 Rahmat di Dunia dan 99 Rahmat di Akhirat
Kata kata bijak islam,Gambar Islami, Kata Mutiara Islam, Kata kata Indah Islam

Kata kata indah Islam:

Ada 100 Rahmat Allah
1 Rahmat di Dunia

99 Rahmat di Akhirat

Kata Mutiara Motivasi: Mengeluh adalah Penghambat Kesuksesan

Kata Mutiara Motivasi :

Mengeluh adalah Penghambat Kesuksesan

Kata kata indah kehidupan dan kata mutiara motivasi : Mengeluh adalah Penghambat Kesuksesan
Kata kata bijak kehidupan,Gambar Motivasi, Kata Mutiara, Kata kata Indah

Kata kata indah kehidupan:

Mengeluh adalah Penghambat Kesuksesan

Kata mutiara: Beranilah Menunda Kesenangan Kecil

Kata Mutiara Motivasi:

Beranilah Menunda Kesenangan Kecil

Kata kata indah kehidupan dan kata mutiara motivasi : Beranilah menunda kesenangan Kecil demi kesenangan yang lebih besar
Kata kata bijak kehidupan,Gambar Motivasi, Kata Mutiara, Kata kata Indah

Kata kata Indah Kehidupan:

Beranilah menunda Kesenangan Kecil Demi Kesenangan Yang Lebih Besar

Cogs in the Money Machine: Money and Trust

Everyone has to make money of course, and there’s not one thing wrong with that.  But, encountering our medical and payment systems, patients now (accurately) perceive that money is the primary object for most of the institutions involved (insurance companies, pharmaceutical companies, hospitals) and for a few of the individuals one encounters (and probably for more than a few of the individuals one does not meet).

Although patients seldom articulate this, they sense what Dr. David Belk accurately states at his interesting website, that prices are deliberately confusing and obscure. It's a scary situation when one cannot know what costs one is incurring.  As Dr. Belk states, this byzantine non-system is designed to benefit someone -- because “[w]hen [it is so difficult to determine costs and prices], you have to ask how much trouble someone has taken to hide it.” (Patients, of course, do not generally understand that prices are as confusing and unknowable to most doctors as to most patients, a point Dr. Belk makes well.) As Dr. Belk notes: “This is a big problem - any cost that is hidden or confusing is easy to inflate.”

That the obscurity is deliberate is underlined by recent developments in Texas. Prompted by patients who had had unpleasant billing surprises, the insurance regulator had put out proposed rules for insurance companies that would require them to disclose on their provider directories whether in-network facilities had in-network anesthesiologists, ER doctors, pathologists and so forth. In-network facilities with ample in-network ancillary-service providers would be labelled “approved,” and those with few or no providers “limited.” As well, insurers would be forced to post a web notice if this situation changed markedly – when there was a 75% or greater decrease in in-network providers available at a facility. This would assist patients to minimize their chances of out-of-network billing.

But recently, Perry’s Texas Insurance Commissioner appointee firmly quashed these provisions before they took effect. Eleanor Kitzman disingenuously claimed that these requirements would “not provide substantial benefit to consumers and [might] lead to increased premiums,” saying it would confuse consumers. “I just don’t believe that consumers, the average consumer, is really going to be able to use that information in a meaningful way.”

A personal experience of deliberate obscurity makes this particularly interesting to me. Last fall, I had cataract surgery at Bailey Square, a day surgery center in Austin, Texas. Bailey Square got all my insurance details beforehand; then they informed me to the penny of the exact amount to bring in during a detailed phone conversation several days before surgery.  I brought the check with me the day of surgery, and was then surprised to be asked to sign a form stating that anesthesiology charges might be out-of-network and they were my responsibility regardless. That was of course too late for me to do any checking. In the event, the anesthesiologists were on my insurance, so I owed only $25 rather than their full $500 charge – but I am sure than not every patient is so fortunate. However, I thought it was sleazy that, when it concerned my money, they chose to spring the news on me too late for me to do anything, but when it concerned their money, they made sure they provided full details well in advance. I wrote the head of the facility complaining about this. I suggested they disclose this in the advance phone conversation when a patient is told how much money they will owe. Unsurprisingly, he never responded.

Another Austin example of charging obscurity is when patients who hoped to avoid ER charges by going to an “urgent care center” found that some urgent care centers are charging as hospital ERs. (Some of  the yelp  reviews indicate that some of the generally good doctors and nurses at these centers are embarrassed and apologetic about this.)

But this post is not a plea for financial transparency. I want rather to reflect on how it affects patient trust when people feel like cogs in a money machine (I could write another post but won’t about the effects on physician morale of constantly playing insurance games in this darkness, after all they too are cogs in other people’s money machines). When one needs to be constantly suspicious about the bizarre charge system, this also affects patient attitudes in other ways and creates a general suspicion, which sometimes is warranted and sometimes is not. Either way, it is corrosive to good relationships and good care.

To see the impact, read this very harsh post about colonscopy: A Tough Love Colonoscopy Dream. The author writes:

Q. Who can perform a colonoscopy?

A. Watch out. Studies have shown that the experience and quality of the scope user (we now use the term endoscopist more frequently) is essential. You want a GI specialist who has performed hundreds or thousands of these. Of course we used to say that you always wanted a physician for all your medical care, not one of those Nurse Practitioners or Nurse Anesthetists, until we were able to employ Physician Assistants in our practices to increase patient care, and coincidentally, our income. Money is not a factor in our decisions. But make no mistake about it. A Physicians Assistant is no doctor. . . .

Q. How come I don’t know any of this?

A. Because we do not want you to. It could ruin business, but we do not make decisions based upon financial gain. And of course it would limit the help we can give our beloved patients. And then there are the Porsche payments. . . .

He concludes:

It is too bad for you that you are getting into the [medical] system. But you have to get used to it, as you are not getting any younger. And no one can get by without medical care. The healthcare industry controls that at every level. For profit. And you cannot change it, so you had better learn to navigate it if you want to avoid the most horrible outcomes.