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Trans-Siberian Orchestra is preparing for their annual holiday tour

十一月 4th, 2010 maxmail

Trans-Siberian Orchestra is preparing for their annual holiday tour. However Paul O’Neill, the group’s founder, is still keeping an eye on their upcoming move to Broadway. According to O’Neill, two rock musicals for Broadway are in the works by him and the other creative partners. The furthest along is “Romanov: What Kings Must Whisper,” which is a rock opera set in the 1918 Russian Bolshevik Revolution. O’Neill says it is completely scored and written and is ready to go. He added that actually “Romanov” was intended to be the first album for Trans-Siberian Orchestra in 1994. However, several people with lots of Broadway credibility heard it. They said it was too good for just doing a record and that it could be a musical on Broadway. We pulled back on it because I’ve always wanted to work on Broadway. “Gutter Ballet” is on tap as well. O’Neill originally began the project as an album in 1989 for the band Savatage. O’Neill and Jon Oliva, Savatage frontman, are planning to rewrite some of the original album songs. O’Neill said some themes have already been used on other projects, however we won’t be doing the same songs for two separate rock operas. There aren’t any fast or hard deadlines for either project to hit the Broadway stage. However O’Neill says Trans-Siberian Orchestra will be releasing an album in both cases prior to a production opening. We doing the opposite of what is normally done on Broadway. Usually there is a Broadway musical and then a cast album is released. We will release an album, then go to Broadway. However, before anything happens O’Neill will need to find the right voices for the right characters. The process is a painstaking one that sometimes has to take a back seat when there are touring concerns for Trans-Siberian Orchestra. Time is my biggest problem, O’Neill said laughing. I need a magical stopwatch to freeze time so I can catch up. After our winter tour is finished, we technically have January off. We will look at things and decide where we want to concentrate our energies and talent and decided what we want to do next. The winter tour for Trans-Siberian Orchestra will kick off with companies in Omaha, NE and Youngstown, Ohio in November. The trek will wrap up on December 30 in Auburn Hills, MI and St. Louis. The outing in 2009 drew over 1.2 million fans and grossed almost $45 million. A special vinyl will be released in the US of “Night Castle,” the latest album of TSO’s from 2009. “Beethoven’s Last Night” will be released in Europe. Ninety pages worth of poetry will be restored. When it was issued originally in 2000 the pages had to be cut out of the CD booklet. In addition O’Neill is preparing for the first European tour for Trans-Siberian Orchestra. It will kick off in the middle of March with dates in Austria and Germany. O’Neill said, I’m very nervous, honestly, about that tour. Last year around 40 people came to review the band in preparation. We received banner headlines such as, enough pyro for barbecuing a whole school of whales. From there, things just got better. I thought, whoa, it’s great to get Buzz. However it’s scary as well because then in terms of the type you have to be able to live up to it. You don’t ever want to let your audiences down. We have lots of work to do.

呵呵,测试一下中文效果!

九月 12th, 2010 maxmail

呵呵,测试一下中文效果!

身体有问题,还能投保人寿保险吗?

七月 23rd, 2010 maxmail

有不少投保人在人到中年后,由于家庭生活和经济条件的改变,以及事业上的渐渐稳定、成熟,想到了给自己买份保险。但这时却发现身体有了一些不大不小的问题,有的甚至因意外和其它生理疾病曾接受过相关治疗,因此而进入了一个两难境地。

说吧,保险公司肯定不会承保,这样一来想拥有一份保险的愿望就会落空;不说吧,反正代理人也不知道,因为自己所有的行为一切正常,从外表根本看不出来,或许不说就能侥幸过关买到一份保险呢。

投保人在投保时因自身的身体问题有这样的想法,一点也不奇怪。因为他们不清楚,即使被保险人在身体有这样或那样问题的情况下,并不代表保险公司就完全不能接受其投保要求,一切要看被保险人投保时的风险高低而定。

保险公司一般会对被保险人做以下内容的详细审核、评判。例如:被保险人目前身体状况的最终诊断、疾病的治疗方法、疾病的治疗经过、愈后情况、患病时的年龄、治疗结束到目前的康复时间等等,通常还需要被保险人提供相关的病历资料进行评估(如出院小结、门诊病历、检查结果等)。再结合被保险人所投保的险种、保额、家族的健康情况、及所从事的职业和经济状况等,来全面衡量被保险人承保时的风险高低。

如经综合分析后,风险并没有大幅提高,在可接受的范围内,保险公司就完全有可能根据具体情况采取正常承保或加费的形式接受投保。所谓加费,即除正常保费外,再加收部分额外风险保费。例如:有些被保险人曾接受过轻微的骨折治疗和阑尾切除手术甚至部分良性肿瘤切除手术等,但治疗效果良好,且恢复后对生活基本没有影响。这种情况,保险公司有可能会采取按标准体交费的条件接受投保。甚至还出现过被保险人曾做过良性囊肿手术,手术后通过一段时间的观察,身体状况一切稳定,经保险公司审核,通过加收一定比例的保费就承保了,几年后被保险人因良性囊肿转变为恶性肿瘤而得到保险公司全额赔付的理赔案例。

另外,保险公司的不同险种对被保险人的身体状况要求也不一样。一般而言,投保重大疾病及医疗费用补偿型保险,对被保险人身体状况要求较高。关于这个问题,投保人可以听取专业代理人或保险公司核保专业人士建议,根据目前被保险人的健康状况,权衡利弊,选择相对健康条件要求较低的保险产品来进行投保。

如果被保险人因先天或后天原因,身体的重大器官曾接受过初次手术治疗,且涉及到肝、脾、脏、肾、脑等重要部位的疾病时,根据情况,一般保险公司会采取暂时缓保的方式进行处理。也有可能根据被保险人治疗结束的时间,视具体情况给予一定时间的跟踪观察期。如观察期后被保人恢复良好,经评估承保风险不高,也有被承保的可能。

所以说,当投保人身体存在一定的健康问题后,到底能保还是不能保?千万不要胡思乱想,自作主张。更不能带着侥幸的心理采取不实告之的方法去获得保障。因为这样做,无疑为这张保单埋下了一旦发生风险,却根本不能得到理赔的隐患。最好的方法是:在投保时,如实告之保险公司自己的健康状况,以及有关疾病的治疗情况,并积极主动地向保险公司全面提供所需要的相关证明资料。这样,我们才能不会因为自己的误判而耽误购买保险的机会,真正知道能否买到一份自己需要的实实在在的保险。也只有这样,在发生保险责任范围内的风险时,被保险人才能得到真正的保险保障。

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Hello world!

七月 23rd, 2010 maxmail

欢迎来到 ROOYY 消费易。这是您的第一篇日志。您可以编辑它或是删除它,然后开始写您自己的文章。

小心二手车投保遭遇保险真空

七月 22nd, 2010 maxmail

 

当前,保险市场上可供二手车投保的险种比较多,消费者合理投保的难度也就相对较大。业内人士提醒消费者:应根据二手车的价值、个人经济状况以及驾驶技术等情况,坚持以下三条原则确定投保险种。

  自愿原则

  消费者为二手车购买保险,除国家规定必须投保的交强险外,应自愿选择投保险种。比如,车辆为价值较高的准新车就应投保划痕险,价值较低的旧车就没有必要投保划痕险;车辆有新增设备就应该投保新增设备损失险,否则就不必投保这个险种。

  主次有别原则

  消费者为二手车购买保险,应充分考察车辆的实际情况和个人的经济状况,应把基本险和附加险区别开来,分清主次,合理取舍。如果车主为经验丰富的驾驶者,可以只选择车辆损失险、第三者责任险和不计免赔特约险等几个主要险种,不用投保其他险种。此外,消费者在投保时还需合理搭配险种。比如,消费者投保了车辆损失险后,还可根据实际情况选择玻璃单独破碎险或自燃损失险,以发挥主险与附加险之间相互结合、相互补充的作用。

  足额投保原则

  消费者为二手车购买保险,需要分清保险价值、保险金额与赔偿金额之间的关系,一定足额投保,这样,在发生意外事故时能得到应有补偿,否则会造成不应有的损失。

  专家同时提醒:车辆转卖、转让、赠送他人、变更用途或增加危险程度,被保险人应当书面通知保险公司,否则保险公司有权拒绝赔偿;如果新车主与保险公司之间未建立起保险合同关系,一旦发生交通事故,新车主只能自己承担责任。因此,在购买二手车时,新车主应及时办理车险变更手续,如果原车主没有投保车险,新车主应及时投保,以免遭遇“保险真空”。

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