El papel de la tecnología en el mercado asegurador

papel

Todos podemos ejecutar campañas con un Excel y tres posiciones como un call center. Lo importante es llevar las campañas que realmente necesita el productor en cuanto a funcionalidad y usabilidad.

La industria de seguros está constantemente atravesada por la tecnología. Todo lo que cada compañía aseguradora ofrece al cliente está, en el fondo, soportado por información: riesgos, contratos, denuncias de siniestros, reclamos. Todo eso se resuelve en el campo de la tecnología, porque existe siempre, en forma manual o informática, un proceso de captura de información, de clasificación, de almacenamiento de información y, en todos los casos, se puede ver reflejado ese ciclo en cada tarea que se realiza.

Uno de los últimos estudios globales de IBM con CEOs de la industria aseguradora evidenció que la interacción con el cliente y su gestión serán factores claves a mediano plazo. Las compañías deberán apelar a las nuevas soluciones tecnológicas para enfrentar el nuevo escenario y mejorar o potenciar su efectividad comercial.

Marcelo Swinyard, consultor financiero de IBM para Sudamérica de Habla Hispana, destacó que la empresa “está permanentemente mirando el comportamiento de la industria. A nivel global, ésta se viene moviendo a lo largo de dos grandes tendencias. En la primera, del lado de la demanda, se asiste a un cambio en el consumidor que constituye un desafío. Los consumidores cambian sus necesidades y sus deseos. Cambian su conducta, requieren otra calidad de servicio. El modelo como es hoy ya no va a tener la misma efectividad”.

Por lo tanto, de acuerdo al especialista, es fundamental tener un buen conocimiento del cliente. “En ese marco, las herramientas que subyacen detrás del conocimiento del cliente se dividen en tres grandes bloques: cuando hablamos de conocer al cliente significa que conocemos todas las variantes de comportamiento. Esto entra en lo que es business analytics, para entender cuantitativamente cuáles son los factores que hacen que un cliente compre, se lo pierda o, inclusive, que sea propenso a cometer fraude. En este punto cobran relevancia las herramientas de predicción estadística que permiten estimar comportamientos futuros de los consumidores y asegurados”.

En un segundo bloque de herramientas, se destaca el manejo de la interacción con el asegurado. “Es lo que a veces el mercado interpreta como CRM, pero nuestra empresa ha dado un giro copernicano sobre este tema. Tenemos todo un set de productos relacionados con este tema”, expresó.

Según el consultor, esta suite de productos permite manejar todos los puntos de contacto con el cliente y llevar adelante una ejecución de campañas salientes o entrantes. “Todos podemos ejecutar campañas con un Excel y tres posiciones como un call center. Lo importante es llevar las campañas que realmente necesita el hombre de marketing en cuanto a funcionalidad y usabilidad”.

“Lo que propone nuestra compañía es realizar campañas cortas, flexibles, modificables, que puedan ser evolutivas y capturen información. Todo eso, dentro de una interfaz amigable para el usuario”, agregó.

Otra de las tendencias presente en la industria aseguradora está relacionada, según Swinyard, con el lado de la oferta. “Se está produciendo un cambio en los modelos de negocios. Existe una ruptura de la cadena de valor, en la que aparecen nuevos canales y nuevas formas de acceder al cliente que son externas a la compañía”.

En esa línea, el consultor enumera la aparición de los retailers, el crecimiento de la bancassurance, del bróker en la industria, un cambio en la necesidad del mercado de productores y el hecho de que las propias terminales automotrices ofrezcan seguros directamente.

“Todo el tema de partnership, muy complejo, requiere un intercambio de información y es ahí donde entra la tecnología. Esto implica implementar un desarrollo de páginas y, además, el hecho de compartir información también implica seguridad”, explicó el especialista.

Swinyard destacó que la tecnología también puede ayudar a las compañías a combatir el fraude que afecta al sector, permitiéndoles identificar posibles maniobras desde el primer momento que el cliente tiene un contacto con la compañía.

Agregó, además, que la tecnología brinda beneficios para casos como la renovación de una póliza, para evitar que el cliente esté insatisfecho ante algún error de la compañía, y cuando hay adquisiciones entre empresas y se tiene que mudar toda la información de una a otra aseguradora.

Mucho terreno por recorrer

La industria aseguradora continúa dando grandes pasos en temas de tecnología pero, según el especialista, aún hay mucho trabajo por delante.

“Los mercados más maduros, como Estados Unidos o Inglaterra, incorporan herramientas selectivas en términos de productos, de ejecución de campaña, de canales alternativos”, aseguró el consultor financiero.

En la región, puntualmente, hay un retraso que adjudica a dos razones. “En primer lugar, por la incorporación propia de tecnología de las compañías. Hay muchas que responden todavía a modos muy tradicionales, como empresas familiares y otras que pertenecen a cooperativas”. “Por otra parte, el consumidor evoluciona mirando a los mercados maduros y lo que hace es demandar lo que se demandaba en Estados Unidos hace unos años. De esta forma, cada vez más los clientes, por ejemplo, están comprando a través de redes sociales, se están informando, se están volcando datos en la web”, agregó.

“En este punto, lo que visualizo es que hay un terreno muy importante para recorrer y conocer al cliente en todo lo que es la organización dentro de la compañía”, enfatizó.

Para avanzar en esa dirección, Swinyard propone trazar un círculo dividido en una parte analítica, una de contacto y otra de procesos. “Para utilizar estas herramientas es necesario un enfoque integrador y evolutivo”.

“Se está produciendo un cambio en los modelos de negocios. Existe una ruptura de la cadena de valor, en la que aparecen nuevos canales y nuevas formas de acceder al cliente que son externas a la compañía”.

 

 

La tecnología puede ayudar a las compañías a combatir el fraude que afecta al sector, permitiéndoles identificar posibles maniobras desde el primer momento que el cliente tiene un contacto con la compañía.

 

La tecnología brinda beneficios para casos como la renovación de una póliza, para evitar que el cliente esté insatisfecho ante algún error de la compañía, y cuando hay adquisiciones entre empresas y se tiene que mudar toda la información de una a otra aseguradora.

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  92. Iote unu’ cu gusturi similare.Da, Beck’s clar. E o bere miÈ™to de băut la bodegi. ÃŽn cel mai rău caz Ursus.Nu-mi prea plac nici Heineken nici Carlsberg.Duc doru’ Hopfen-ului. Și mai È›in minte o beÈ›ie straÈ™nică făcută cu Efes Strong.

  93. All right! Everybody won comment of the week. Except I didn't comment that day. :(And to top it off…word verification: crepity.Figures. Better be extra careful on my way home today.

  94. I was wondering if you ever considered changing the page layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two pictures. Maybe you could space it out better?

  95. Have too agree; she 100% correct, had to some cheating in order to be able to get all those votes. Funny Isay thatI have their credit card, may is time I give it up. Just be fair to all those cuttie kids.

  96. A NYC charter school has an extended day & what’s the outcome? They suspend 6 yr old kids at 3:30 PM. The day ends at 4:30 & begins at 7:30 AM. They suspend 6 yr olds for acting like children after having been told what to do for 8 hrs. Eight hours in school seems to be the time limit for 6 yr olds. That 9th hour in a particular NYC charter school doesn’t seem to be in children’s best interest based on the school’s suspension affinity.

  97. Tank you so much for posting this video. I’m curious if you went with a DC fridge or if it runs on propane. Did’nt see a tank. Do you have enough juice with those panels? It looks like paradise.

  98. I have been browsing online more tha three hours today, yet
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  99. Ich war gestern auch in Berlin, fand es gar nicht so schlimm unorganisiert.. Es war zwar sehr schade, dass man keine Bilder mit ihm zusammen machen durfte und sich keinen Namen auf die Autogrammkarte schreiben lassen durfte, aber bin dennoch zufrieden 🙂

  100. Yay..One day I hope to go into a Lululemon shop and see if I can wear anything there:) And anytime you might want a running(more of a slow jog:) partner let me know..I am still on my treadmill as it is still muddy at home!!

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  102. SÃ¥ skjønn han er…sikkert glad i skibakken….jeg synes det er koselig Ã¥ være nedsnødd…da er det liksom lov til Ã¥ gÃ¥ i hi og kose seg glugg i hel med filmer og bøker…Det var IKKE sÃ¥ koselig Ã¥ kjøre i 20 km pÃ¥ motorveien i dag(helt sant)…turen til jobb tok 50 min….selv om det er en tur pÃ¥ 20min utenfor trafikkrush….Kjempesøtt bilde, elsker blÃ¥tt og hvitt!Ha en fin dag i morgen!! Kos deg med familien og vofsen, klem,M

  103. That is a totally amazing and astoundingly clever card, I LOVE the way the shadow turned out. Have seen the reflection technique so many times before but using this stamp set with it really creates the feel of movement. In one word WOW!! thanks for sharing[]

  104. Hihi… her gÃ¥r det ogsÃ¥ i Angry Birds for mannen.. En Ipad har jeg lyst pÃ¥… hmm spørs om det kanskje blir en slik nÃ¥r feriepengene kommer inn :O) Carinaklem

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  106. Personne ne vit sans problème et après expérience j’ai compris qu’il avait aucun problème sans réelle solution. Je vous conseile de visiter de visiter Blackma : Medium Voyant Africain Compétent et sérieux et spécialiste africains des travaux occultes. Ils vous apporteront des solutions adéquates dans tous les domaines à savoir: Amour et retour d’affection, Formule de richesse, Chance au jeux, réussite des examens et emploi, désenvoûte ment, protection contre tous dangers, Désintoxication alcool, guérrir la folie. Retour de l’être aimé en 72H. Problème familiaux et de voisinage.Amour fidélité et prospérité à vie. RÉSULTATS IMMÉDIAT ET EFFICACES. http://www.blackma.be

  107. “Make a commitment to put the effort into getting what you want. Resolving to make a change is something you can do at any moment, so long as it is done with a commitment with real intention and determination.” ~ I LOVE THIS!! When’s a good time to start?…. Well, when would “NOW” be a good time ?!?

  108. I am really enjoying the theme/design of your web site.
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  109. พูดว่า:Have you given any kind of consideration at all with converting your website in to French? I know a couple of of translaters right here that would help you do it for free if you wanna get in touch with me personally.

  110. Kelly, I have already read this book. I read it years ago. I had just about forgot about it. I love books like it. I love journals and diaries. I like the real stuff. I have a hard time getting into fiction. I just finished Barbara Walter’s book “Audition today and tomorrow I will start Julie Andrews “home”. I love Autobiographies. PS I lived next door to Ernest Hemingway in Sun Valley, but I didn’t get to talk to him. He shot himself that summer.

  111. Wenn es anspruchsvoll, aufwändig, zeitintensiv oder kontrovers wird, sind die meisten doch abgemeldet. Ein Grund, warum die skandalösen Zustände bis heute Bestand haben können. Nicht nur Verbrecher sind problematisch, sondern vor allem auch deren Gewährsmänner.

  112. Hi,So that it continues to work in Linux and Windows and hopefully on MAC, I have changed the line in the source code from #ifdef __linux__ to #ifndef WIN32.If you want, you can download the latest revision from SVN and check if it compiles.

  113. These are the most amazing wedding photos I have ever seen. Miranda & Adam you both look so happy and I wish we could have made it to your wedding. Your photographer captured everything there is about a wedding. Congratulations again and we love you both:) xoxox

  114. Personne ne vit sans problème et après expérience j’ai compris qu’il avait aucun problème sans réelle solution. Je vous conseile de visiter de visiter Blackma : Medium Voyant Africain Compétent et sérieux et spécialiste africains des travaux occultes. Ils vous apporteront des solutions adéquates dans tous les domaines à savoir: Amour et retour d’affection, Formule de richesse, Chance au jeux, réussite des examens et emploi, désenvoûte ment, protection contre tous dangers, Désintoxication alcool, guérrir la folie. Retour de l’être aimé en 72H. Problème familiaux et de voisinage.Amour fidélité et prospérité à vie. RÉSULTATS IMMÉDIAT ET EFFICACES. http://www.blackma.be

  115. Me too. Brain does not shut off. I didn’t even know people could do that for a long time. I can’t even poop without reading something anymore. My butt is totally Pavlov.

  116. अरे ती हेलीकॉप्टर मधून वारी चे फोटो काढण्याची बातमी वाचली, आणि जाम सटकली होती माझी. इतकी आवड होती तर मग त्या वारीबरोबर एक दोन दिवस तरी पायी चालत जायला हवे होते, आणि नंतर मग फोटो वगैरे काय काढायचे ते काढ ! पण सामान्यांच्या वरचे आपण कोणीतरी आहोत म्हणून हे असं वागायचं आणि सामान्यांनी ह्यांना डोक्यावर घ्यायचं!!!!!! कठीण आहे.

  117. This short clip comes from a full length DVD that is over 2 hours long. It contains a ton of information specific to Holley carburetor installation, tuning and troubleshooting. The reason the keywords “carburetor install” are in the title is because of the obvious reason that that’s the title of the DVD…We did post a specific video related to the installation section of the DVD, just go to the BoxWrench channel here on YT and you’ll find more carb videos.

  118. Tassia comentou em 7 de julho de 2012 às 04:46. Esqueceu de citar que normal girl quando descobre tendências usa uma de cada vez, pq se veste todas juntas se sente “fantasiada”.Ótimo texto, Jana!

  119. The Blizzard Guild Rep system is likely to be very 1-dimensional, but it's ultimately up to the guild leader and officers to make their exceptional members feel valued, and motivate people to want to be contributing members to the guild beyond running stuff until they want to die.

  120. Rufus: "Increased productivity is a good thing, but having vast numbers of downtrodden unemployables is a very bad thing."Where exactly are these "downtrodden unemployables"? Why do you believe a laid off worker is "unemployable"?The U.S. has endured high levels of unemployment many times before and always bounced back. Not one of those periods of high unemployment levels was caused by increased productivity. Left alone and free from stifling regulation, U.S. entrepreneurs and corporations always create more jobs. Always.

  121. Bilgeman –That is fascinating indeed! It certainly has my zip code pegged: “Back Country Folks, Blue Highways, Golden Ponds, Shotguns & Pickups, and Simple Pleasures”. Yup, that’s us.

  122. Oh, and …. tenuous links? Basically, that’s life. If you stop to consider it, the whole structure just falls apart in front of your eyes.I’m not getting you down, am I?

  123. bigger competitors in their online market. with…less productivity in their hands, they are able to achieve much in terms of customer satisfaction and sales.outsourcing allows business owners to evaluate performance of a particular content writing company before hiring them. it is crucial to verify t…

  124. మరి à°µాà°°ి à°­ాà°°్à°¯ , à°µీà°°ి ఆవిà°¡ా à°•ాà°¸ేà°ªు à°…à°¨్à°¨ి మరచి à°ªోà°¯ిమనసు à°µిà°ª్à°ªుà°•ుà°¨ి à°®ాà°Ÿ్à°²ాà°¡ుà°•ుంà°¦ామని ఏ à°ªాà°°్à°•్ à°•ో వస్à°¤ేà°µాà°³్à°³ిà°¦్దరి à°•ి à°•ూà°¡ా మళ్à°²ి à°ªెà°³్à°³ిà°³్à°³ు à°šేà°¸ేà°¸్à°¤ే à°µాà°³ à°µాà°³్à°³ు à°ªాà°ªం ఏం à°•ాà°¨ు?

  125. I love Jaya, and I love this story. I have a couple similar water/rescue ones, and now Matilda has one from last Spring when my Mom jumped into the hotel pool after her…and I’m so excited Jaya is swimming! We are still firmly in swimmies, after our traumatic attempt at swimming lessons (which I should probably write about!) but I’m hopeful she’ll come to it when she’s ready, just like everything else. These funny kids. Also I’m so fond of the memory of swimming in your Mom’s backyard with you a couple summers ago. xo

  126. Howdy! Do you know if they make any plugins to safeguard against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any suggestions?

  127. Miguel Suárez Santana26 febrero, 2011Cuánto me perdí. Cuánto me perdí de todos ustedes en aquel devaneo propio entre periodistas. Qué inmensa suerte que me corrigieran y qué poco lo aproveché. Una (mala) suerte de infelicidad mi cerril timidez que me impidió disfrutar de todos ustedes en general y de Ezequiel en particular. Cuántos más me perderé. “¡Mandan huevos!”

  128. Mulla on ollut kuparikierukka yli 10 vuotta, eikä siitä ole ollut mitään huolta. Kuukautiset eivät ole minulla yhtään sen kummemmat kuin ennen kierukkaakaan, yhtä niukat tai runsaat, riippuu kuukaudesta. Yrittivät tarjota vaihdettaessa hormonikierukkaa, mutta miksi ottaisin yhtään enää hormonia sekoittamaan elämääni, kun näinkin on hyvä.-Basilika

  129. I am going to give NaBloPoMo a try, again. Maybe not the best idea, since I haven’t been in the habit of blogging much at ALL in a year or so!Crissys last blog post:  

  130. Another year and the same problem remains.No bench and no coaching in-game.And why do Nash/Howard/Kobe are benched at the same time? Some mix would be goodAfter all the noise if you look at the stats it s Kobe and Pau all over again.Nash needs to run HIS offense and deffense is a joke.Let s pray…

  131. Hello! I know this is kid of off-topic butt I had to ask.
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  132. I have many setting in my previous windows in Mozila Firefox, now I’ve installed an onother version of windows on other hardisk.. What should I copy to have the same settings, history and bookmarks from the earlier one?. Nothing is lost I just have an onother windows in another hard and I want to move the mozile setting from the previous to the current one..

  133. The obsession with beauty is too much in Korea. I mean if they want to resort to whatever means in their quest for perfection that’s perfectly alright. That is their right. But to be judgmental about other people. That’s kind of annoying and irritating. Mga pintasera talaga sila. And they give so much value to outside appearances that it has even become a basis for employment. If you look a certain way, you might not get hired for the job even if you have the skills for it. That’s why they resort to surgery…

  134. But what if there was an Independent candidate whose contempt for the corruption of both parties threatened the ENTIRE way business is done inside the beltway?There’s no way an independent candidate could pose a serious threat to the way business is done inside the beltway. The parties wouldn’t have to unite against him; they could just ignore him.

  135. Hi, Neat post. There is an issue along with your website in internet explorer, may check this… IE nonetheless is the marketplace chief and a good element of other folks will leave out your fantastic writing because of this problem.

  136. Mike, Thank you for noticing that we dominate Google SERPS for most WordPress theme and SEO theme related terms. For your main website you are actually using The7 theme by Dream-Theme which is a well designed and coded theme. It has proven to be successful and have been sold almost 30,000 times and that’s impressive for a single WordPress theme. You have made the most out of this theme for your website and it is almost impossible to tell that it is based on The7 theme. Only the most experienced WordPress users will be able to tell it. Your mentioned Canvas by WooThemes is an amazing theme and it was my default theme for all my websites for several years. It has changed a lot over the years and is still competitive. Still some of my old websites use this theme and I have no plans to change it because it just works and that’s the main thing. No need to spend countless hours on maintenance and updates because everything is done behind the scene. If I would have to choose a new theme for those sites running Canvas, I think I would have a really hard time because I am spoiled with this theme and its quality. It’s not the most beautiful one but it is so well coded that it’s hard to find other themes that would come close. Let me know if you have any questions about The7, Canvas or any other WordPress theme listed on Colorlib and I will be happy to help.

  137. Hallo liebe Joanna, danke für den schönen Shop-Tip und die Verlosung. Ich finde ich könnte auch mal gewinnen 🙂 Und dann würde ich den lila Quilt kaufen. Der ist so wunderschööön. Also liebe Los-Fee: ich wünsche mir den Quilt.Anne Rose aus Schw.

  138. Amuncat: dont be ignorant man,,education benefits everyone who lives in the USA dont matter race or status,,,and let me tell you something bro i have never ask anyone for any free lance,,i had earn everything little by little,,,Go Dream Act !!!!!! Let’s show the people we can also be an educated race.

  139. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point.

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    to read?

  140. Hi there! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My site looks weird when viewing from my apple iphone. I’m trying to find a template or plugin that might be able to resolve this problem. If you have any recommendations, please share. Appreciate it!

  141. Hey, you used to write excellent, but the last several posts have been kinda boring… I miss your great writings. Past few posts are just a little out of track! come on!

  142. Hi Lilli. That is awesome that you keep a focus on strength training. I finally started strength training consistently about 2 years ago and it has made a big difference in my running.jillconyers recently posted..

  143. Howdy just wanted to give you a brief heads up and
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  144. “The democratic candidates are only those running in the primaries”, then if something happens in February and the opposition can not hold primaries, we end up having no democratic candidate for the 2012 presidential election. We will not be able to delay the primaries beyond February…then, do you still think that “February sounds like about the right date for primaries”? Even if that date has the huge risk of leaving the opposition with no democratic candidate?

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  146. Hallo Christina,die Treppenhausreinigung ist grundsätzlich umlagefähig. Die Abrechnung nach Quadratmetern ist absolut üblich und in meinen Augen auch fair. In aller Regel wohnen in größeren Wohnungen mehr Personen und selbst wenn nicht, ist die “Lebensqualität” größer. Damit begründet sich die Mehrbelastung.Viele GrüßeDennis Hundt

  147. Hmm is anyone else having problems with tthe pictures on this blog
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  148. I do not know whether it’s just me or if perhaps everyone else experiencing problems with your blog. It looks like some of the text on your content are running off the screen. Can someone else please comment and let me know if this is happening to them too? This might be a problem with my internet browser because I’ve had this happen before. Cheers

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  150. Tja, je moddert maar wat aan, dat herken ik wel. Soms gaat het vanzelf goed, en soms zit je met je handen in het haar en moet je toch eens de boekjes langs om iets anders te proberen (of gweoon wachten tot het vanzelf overgaat). Leuk dat hij het zo naar zijn zin heeft op peutergym! Helaas hier ind e buurt niet zoiets (zonder wachtlijsten dan). Lijkt me ook wel wat.

  151. I’ve been looking high and low, and it seems that most liberal arts schools are populated by heavy drinkers and partiers, which I am not interested in. If I can, I’d like to double major in creative writing and journalism.. Thank you!.

  152. sometimes a lot is learned from taking a step back , away from the situation, to understand and see what’s happening. if you are in the situation , sometimes you’re too close to see thru the fog.with age comes wisdom – children or not

  153. I know this if off topic but I’m looking into starting my own blog annd was curious what all is required to
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  154. Hi Joseph,If you’re trying to animate a TV screen or something like, then you can load the movie file or image sequence as a Image Texture and then set the frames accordingly in the Texture settings.-Jonathan

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  156. that’s just mean to say that it’s self-serving. strangely enough, people do things for non-self-serving reasons sometimes. i know kathleen. she is very excited about this and has done all the work on it herself. if anything, she is using the build up around her new album to get more money for the charity.

  157. Ciao Wonder,Porpi è fantastica prende proprio dalla mamma, bella, intelligente, acuta, con un bel senso dell'umorismo. Anonimo posso sapere chi è l'autore del pezzetto di canzone che hai scritto? ora mi lincerete…

  158. Different/new look . . . but I don’t know about a better design.To me, the old design looks more professional — like an established brand; slick bags say clean and air-tight.The new look definitely looks like it was “designed” (ooo-laa-laa), but I don’t know if it is exactly an improved design.

  159. Bear in mind that zombie’s muscle tone is not the best, after a few months of softening up.10mm penetration is overrated. You get to chose: too much expansion cuts penetration. Too much penetration can be gained by reducing expansion, and I like the 10mm almost as much as the .41 Magnum.

  160. I am interested in joining a paranormal group. My first investigation was at Bobby Mackey’s Music World in Wilder, KY. I have some interesting EVP, Video and personal experiences to share with you and your team. Please consider me for membership. Thank You, Heathe Savidge

  161. Hola andrés,Soy la autora del proyecto Pluz! y te comento que en materia de luminarias no hay nada parecido publicado en internet.Al momento de proyectar, nos aseguramos de que nada de lo que hiciera fuera una copia, y que atendiera a las necesidades de la vivienda planteadas para el concurso.Solo queria comentarlo. Saludos!!

  162. Thanks Jackie. You are correct, of course. The Parental Rights Amendment should be pursued. The Democrats will not touch it-interferes with their plans, but I think once we get a Conservative Majority, there will be no problems.I still think though, that the power structure needs to be removed, starting with the Department of Education, which has demonstrably done nothing, except for making the system worse.

  163. Tak for dine erfaringer og kloge ord Maiken. Vi er helt enige. Det er også værd at huske, at Laser er mange ting. Der er alt lige fra de milde laserbehandlinger til dem, der gør, at du helst vil skjule dig selv i 14 dage. Så som vi er helt enige om: Gå til en specialist, hvis du har decideret melasma!Tak for at du deler dine erfaringer. Hvordan går det i dag?

  164. Mukava kattaus hyvinkin SoMe-henkisiä appseja. Kiitokset artikkelista. Tämän innoittamana muistui taas Instagram mieleen ja lähti tehokäyttöön. Neljänteen voisit esitellä hieman erikoisempia mutta kuitenkin hyödyllisiä sovelluksia kuten vaikkapa GetGlue ja vaikkapa Dropboxia hyäöyntävän koodaajan editorin: Nebulous Notes etc.

  165. – Anna : Bah oui que c’est sympa 😉 – P’tit Chat : J’avoue que c’est mon premier essai et que je galère VRAIMENT avec photofiltre. Et je n’avais pas pensé que je devrais réduire d’un chouia mon image pour la mettre sur mon blog. Et c’est ce chouia qui fait la différence… Désolée ! La prochaine fois, je ferai mieux 😉 – Modeandco : Donne moi le nom des produits, je vais voir si je peux faire quelque chose !- Stefany : Contente que tu apprécies !

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  167. All you TTAG regulars are finally waking up (at least most of y’all)…..THANK GOD!I forgive any and all of you who have called those that were awake before you “Nut Jobs” and/or “Bat Shit Crazy”.I hope you all are prepared…stay frosty!!!GODSPEED MY BROTHERS AND SISTERS

  168. Hiszem is,meg akarom is,hogy elérkezzen az új idÅ‘számítás Magyarországon!Azt is tudom,hogy sokat kell dolgoznotok, de Ti megcsináljátok !Mindenesetre a vezír ma nagyon alul öltözött volt,és ezt nem csak agyilag értettem!Navracsics úr- szerintem – nem véletlen,hogy ott hagyta Å‘ket Sárváron

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  170. her nanny insisted on doing with her. I had never heard the reasoning behind some of the activities until then. I would have liked more social skill training I suppose although as an adult I reject many of the programs based on the untruthfulness that is part of what you learn. I suppose even as a child I would have resisted that. But maybe some better training on how to tell when people are joking would have been helpful.

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  172. When I was CJ’s age, I was a very girly little girl who loved three things: getting my toenails painted, riding horses, and reading books. I remember well when my mom took me to see a Grand Prix jump-off, a university library, and to the nail salon. I don’t think I ***really*** knew any of these things existed or asked to go, but my mom knew I would enjoy seeing/doing the grown-up version of the things I loved. That’s what CJ’s Mom was doing here. Period.

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  174. Hi! I know this is kinda off topic however I’d fjgured I’d ask.
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  192. falcon_01- has it right.Expose the hell out of this idiocy through every channel, up to a Congressional Inquiry.Doing it covertly is just more stupidity.Because it doesn’t solve the systemic problem.Putting a band-aid on an internal injury is pointless.Air the grievance within the system.And never take «NO» for an answer, and keep threatening to go the Press and Congress if nothing is done.Keep saying «This is what to 9/11!» until it breaks the logjams.Or get it to Congress.Right intent, wrong method.

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  265. Hei, og takk for at du vil følge meg videre. Det gjorde meg ille gla`! :o) Nå har jeg tittet rundt hos deg også; Masse fine bilder og flott inspirasjon. Herlige barn du har også. God Nytt År!Besøker deg med glede igjen! :o)Ha en fin dag videre.Klem Jenny

  266. Oh, I totally get this! I have been feeling the same way but with my husband in particular. Often he comes in and I am on the computer and mumble a “hey.” Can you imagine how welcome he must feel? yeah, right. I really have been convicted lately to make more of an effort to greet him with a kiss and a happy hello that says, ” I am so happy to see you!”Thanks for the reminder!

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  277. I have not confirmed that HAG filed an appeal, but the rumor mill insists it is true. It also makes sense that she would do so, given her attitude ("everyone but me is incompetent.")But surely Big Navy will see fit to give SecNav the FitReps in their full, unredacted glory.

  278. It looks to be that time for the 2013 Toyota Rav4 to get a facelift and with the introduction of the Rav4 EV beginning joint production with Tesla yet retooling their Ontario plant I suspect the model to be coming out fall of this year for purchase. I would have to guess that they would be dropping the rear mounted spare as it seems to rack up damage costs even in a minor rear-end collision and with no real style points I would look for a spare underneath or inside for the next gen.

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  280. I agree with Rachel, I am also recently thinking about the lifetime of food in the fridge, especially since I read your post two? days ago about the chopped veggies for the week in your fridge. I am always so insecure wih such things.. I know I could just try it.. but it would be lovely if you share some of your experiences about long lasting healthy food!

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  284. I love your post ..it is simple but effective…another tip…is a stamping art effect on paper with different materials..like leaves, potatoes is a good one cut in half and the kids can dip it in paint and stamp it on the paper….thank you for sharing Marthese recently posted..

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  286. Campania umanitara continua si luni, 19.12.2011. In afara clatitelor, cafelelor oferite elevilor (in schimbul unor preturi modice), luni vom pregati si alte surprize. Multumim pentru implicare si suport clasei a 11-a C, doamnelor profesoare Luminita Totan, Laura Ditoiu, Marinela Pirvulescu, Cristina Nanu.

  287. Keep getting “No Data” error when running against vCenter 5.0.0-455964 & vCenter 4.1.0-345043 but it seems to work against vCenter 4.0.0-208111. I’ve tried with several differnent accounts with different permissions all the way from administrator to read-only.

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  289. Hi AbraamOur church has a number of reasons, which we can summarise thus:1. Tradition: Jesus never ordained women, though He had many chances.2. Nature: the Bible describes man as the head of the woman as Christ is the Head of the Church. This does not imply superiority of men over women, only a difference in roles3. History: heretical sects in the early centuries of Christianity ordained women priests, but the orthodox Church repeatedly refused to do so.UN:F [1.7.4_987]please wait…UN:F [1.7.4_987](from 0 votes)

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  296. Wow. Just wow. I wish I could give you a hug! This is the first I’ve heard about this doc, and I can only imagine how hard it must be for you… I hope they show his ‘life’ too. But I do know that if you’re not ready to watch it… then don’t. You don’t have to right now. You can watch at any time right. Not that any time will be easy…

  297. The other day, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a forty foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is completely off topic but I had to share it with someone!

  298. J.Voyelle dit :Demain matin le hamas reconnait à Israël le droit d’exister et propose un cessez-le-feu à l’irlandaise et c’est la fin des hostilités.(David, # 37)Pour ce conflit spécifique, ça voudrait dire quoi, concrètement, un cessez-le-feu à l’irlandaise?

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  300. sigh… your friend’s letter sounds like a somewhat more articulate version of my brother’s reaction (“i’ll always love and respect you but i can’t fully support your choices because bible”). i’m sorry that your friendship may have been lost or strained. for what it’s worth, i thought your response was extremely articulate and i may adopt some points from it in trying to explain to friends why transition matters.

  301. I am very new to web design as I have no prior experience and know little HTML.. I just want to know what the best software is to purchase to design blogs. I have downloaded CS5 Design Premium with Dreamweaver and Photoshop, but I realize this is a little advanced for me and expensive!!!. Does anyone have suggestions of software or ways to build blogs and websites easily and inexpensive?. . THANKS!.

  302. I can certainly relate to the brain clutter feeling. I tend to jot ideas down on random pieces of paper and word docs and forget about them. Workflowy looks awesome! I’m going to give it a try. It would be nice to compile everything in one place.

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  309. Thank you for stopping by my blog. You did so on a day when it was overwrought and overwritten, but I needed to write it. Just as you “saw” that man, you “saw” me, and that was moving. That man’s suffering was so incredible and unbelievable, especially when all around were these signs about hope and love and yet there he was, crawling through the dirt. I am thankful that you saw him and that you witnessed his life and his struggle. Although there is no comparison between his life and mine, I am so glad that you “saw” me as well. Thank you.

  310. I found update website very confusing because it does not reference to release number, so I can decide if my version (previously installed) requires updates.The beta download website for example does not inform anyone what version number or date. This area need improving to be more clearer so we can decide better.I think this is important obvious feature of the website, why it is not there?

  311. While at Seminary, I got to go to work on a dig at Tel Gezer, one of Solomon’s four fortified cities. We worked to date an older wall below the typical solomonic casemate wall. The myth I remember of the time was we were dating Shishak’s destruction of the city, and, something about it being a gift to somebody. We had a great time kibbutzing and drinking LaTroun monastery wine. Thanks for reminding me of a great time.

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  314. Miss Terre[ et boule de gomme* !]â–º pttR : « royal, mais guère kafkaïen… » Tu te garderas d’être péremptoire !Fort de la plume de l’anatidé satirique, l’insecte se permet de vous asséner un « Pan sur le bec !« Â Â«Â Dans Cahiers in octavo (1916-18), le Canard [avait] relevé cet apophtegme : â–º . »Pour la « couronne » il faudra donc (t)repasser **!* la marque testée et approuvée par lamid me va très bien, même si… hem…** pour l’image, s’entend…(à suivre…)

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  320. Keryn and Michelle – thanks for the clarification. As a non-uterus owner, I was aware of the painful contractions when my wife was nursing our second – I had no idea such a thing occurred. I wonder how my mom survived 11 pregnancies and births. Good luck to you!Science Geek Lurker – thanks for the clarification – I realize the uterus has three layers of smooth muscle, but wanted to simplify it, but mea culpa for not being scientifically accurate – thanks for the reminder.

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  322. Thanks for sharing the FMA link Bret – sounds awesome! (dissapointingly already commited that weekend – doh!) Any luck of something similar in OZ next year? Enjoy your time back home over Christmas

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  334. Din punct de vedere militar, Rafale ar fi un aparat ideal pentru noi, insa din punct de vedere financiar, nu ne permitem sa cumparam si sa exploatam un asemenea aparat.Romania este o tara mult prea saraca ca sa poata exploata Rafale.Acest avion poate fi exploatat inclusiv pe portavion, deci nu are nevoie de o pista lunga de zbor.Nu cred ca Rafale va face parte din dotarea aviatei noastre militare.Favoritii sunt F16 iar pe plan secund Grifonul asteapta sa fie bagat in seama.

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  337. Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

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