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Make a list of all your regular monthly expenses and determine where you can make cuts. Reducing your cable and cell phone packages are a great place to start and where you’ll see the biggest savings. Cut costs on food by limiting how often you eat out each month, and look for ways to cut costs at the grocery store. Applying the funds you cut out of other expenses toward your credit cards will help reduce your debt faster.
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Living with credit card debt can be overwhelming but through proper budgeting and money management,[link widoczny dla zalogowanych], you can regain control and move toward financial freedom.
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Once you start to see your balances drop and your debt is eliminated, resist the urge to start overspending again. Always stay within your budget and put the money you were paying each month toward your debt into a savings account. If you continue to use a credit card, to stay out of debt by making payments in full and on time every month, and only charge what you are able to pay off at the end of every billing cycle.
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Microsoft Korea's lawyers were learned Monday to be employing students to catch shops selling illegal copies of the company's products. The students seek out computer shops selling PCs running Microsoft's "Windows 98" and then take them to the company for program authentication. Lawyers then file lawsuits or give the shops the option of paying a W10 million penalty and posting an apology in a national newspaper. A Lee and Park said that they were paid W150,[link widoczny dla zalogowanych],000 a day and given money to buy computers loaded with Microsoft software which the company proceeded to verify.
A shop owner in "Technomart" who was sued by Microsoft said that 40 businesses have been caught over the last three years by the decoys,[link widoczny dla zalogowanych]. Another pathetically complained that the students had asked for illegal copies and so that is why he had sold them,[link widoczny dla zalogowanych].
A Microsoft official said that the company did not employ decoys,[link widoczny dla zalogowanych], but that any breaches of copyright were illegal. A lawyer for the firm contradicted this and said the decoys were a legal approach to deal with a pervasive problem.
(Lee Dong-hyop,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])
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Reporter recently learned from the Korean ancestral hall, with ancient Chinese literature search master professor Rao Zongyi to write more than 400 words of praise "oak" huge curtain wall basically completed.

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　　据这位负责人介绍，虽然这种药品的中间利润超过了800%，但药厂也就挣1块钱左右，从7元到56元之间的差价49元被分摊给医药代表、医药公司、医院和医生。
　　央视记者此前经过长达一年的调查发现，一些常用的药品中标价比出厂价高很多。记者随机选取20种常用药品，结果发现这些药品从出厂到医院中间利润都超过了500%。

　　在记者采访中，各地药品集中采购和招投标管理部门，都避谈中标价是如何制定的。记者联系到一家药厂的负责人，她透露，药品投标和定价工作并不由药厂运作，而是由专业的医药代理公司负责。这家公司生产的一种治疗妇科病的常用药出厂价为7元，中标价高达56元，这一过程遵循了行业“潜规则”。
　　按照我国现行的药品集中招标办法，所有公立医疗机构使用的药品必须竞价采购，价格由当地的省级药品集中采购管理办公室审定公布。这个审定公布的价格也叫中标价，中标价是医院采购药品的最高限价，因此竞标价的制定成为影响药价的决定性因素。
　　调查过程中，一位从事药品批发行业十余年的业内人士证实了这家药厂负责人的说法。他表示，这种利益均沾的模式，正是药品招投标过程中的“潜规则”。

　　专家强调，只要医药公司、医院、医生、包括药品招投标管理部门等各个环节利益均沾的“潜规则&rdquo,[link widoczny dla zalogowanych];不改变，药品中标价就很难回归到合理范围。解决药价虚高，除了要整治药品招投标中的种种乱象,[link widoczny dla zalogowanych]，还应当对药品加成政策进行调整。

　　中标价高出几十倍
　　“天花板价”依然超高
　　药品招投标管理部门一直没有对药品中标价到底是如何制定的作出回应，也没有对中标价为什么比出厂价高出几十倍等公众非常关心的问题，给出合理的解释。
　　一些地方的常用药品，出厂价和医院零售价之间存在巨大差价。央视《每周质量报告》昨天再度对高药价进行调查。

　　据了解，目前二甲以上的公立医院必须按照中标价采购药品，购进药品后再加成15%卖给患者。专家指出，药品加成政策的初衷是为了保证医院的合理利润和正常运营，但实施过程当中却往往造成医院偏爱高价药，一些治疗常见病的便宜且好用的药品却进不了医院的采购目录。

　　专家：政府应该放开管制
　　医院医生参与分成
　　最离谱的两种药分别是：天津药业集团新郑股份有限公司生产的规格为2毫升4毫克的氢溴酸高乌甲素注射液，出厂价为每支0.52元，中标价为16元，医院零售价为18.4元，中间利润超过3400%(3438%)；山东方明药业股份有限公司生产的规格为2毫升20毫克的盐酸奈福泮注射液，出厂价为每支0.32元，中标价为18.49元,[link widoczny dla zalogowanych]，医院零售价为21.26元，中间利润竟然高达6500%以上。后经记者调查核实，业内人士提供的上述价格基本属实。
　　业内专家称，制定药品的最高零售价，目的是为了限制药价，防止药价虚高，但现实情况是,[link widoczny dla zalogowanych]，被称为“天花板价”的药品最高零售价与出厂价相比，定的更是高得离谱。以山东方明药业生产的2毫升20毫克的盐酸奈福泮注射液为例，出厂价为每支0.32元，最高零售价被定为35.9元。那么，“天花板价&rdquo,[link widoczny dla zalogowanych];又是如何制定的呢？记者多方联系价格主管部门，同样没有得到正面回应，成为继中标价之后的又一个巨大问号。

　　据了解，从2001年开始我国全面推行药品集中招标。为了遏制药品虚高定价,[link widoczny dla zalogowanych]，发改委也为每一种药品制定了最高零售价，要求医院零售价不得超过，被业内视为“天花板价”。然而，记者调查却发现，即使不少药品的中标价比出厂价高出几倍、甚至几十倍，但是根据这样的中标价计算出来的医院零售价,[link widoczny dla zalogowanych]，依然低于发改委公布的最高零售价。

　　多位医药行业人士反映，药品的超高利润在业内绝非个别现象。在接受采访时，从事医药行业的赵连璧介绍说：“(药品差价)一般情况下，平均在五倍以上。二三十倍都有。”业内人士提供了一些药品产品价格目录，涉及上百家药厂的上万种药品的出厂价和医院零售价。一些用于治疗肺炎、胃炎和止痛的常用药品，从出厂到医院零售的中间利润都超过了400%。

　　该负责人说：“(代理公司)去竞标以后，医药公司要挣多少个点，医院要扣多少个点，给大夫多少点，最后人家是多少钱，这就像是一个行业规定似的。&rdquo,[link widoczny dla zalogowanych];

　　北京大学教授、新医改政策研究专家顾昕认为,[link widoczny dla zalogowanych]，应当尽快调整医院所售药品加价15%的政策，只有这样才能从根本上遏制药价虚高，让患者受益,[link widoczny dla zalogowanych]。他举例说：&ldquo,[link widoczny dla zalogowanych];假如政府解除15%的管制，让医疗机构拥有自主权，可以到市场去挖掘便宜的进货渠道。”他说，政府放开管制,[link widoczny dla zalogowanych]，不管是患者、医保基金还是医院，都能受益。

　　晨报记者吴亭
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