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Guest Post by Barbara O'Brien
As soon as Republicans knew they had won a majority of House seats in the midterm elections, GOP leaders vowed to repeal health care reform. Can they do this? And should they?
Frankly, chances that the health care reform bill could be repealed completely are remote, especially since such repeal would have to override President Obama's veto, and the Senate still has a Democratic majority.
House Republicans say they have some tricks up their sleeves, such as refusing to provide funds in the budget to implement health care reform. However, provisions of the law that will expand Medicaid and help subsidize private insurance won't kick in until 2014. Until then, there's not much the House can do to the budget to stop health care reform from going forward, short of defunding the entire Health and Human Services department.
Another "trick" might be to dismantle the bill piece by piece. One provision that many people want to remove is the individual mandate, which will require most Americans to obtain health insurance which they can do through doing research on health insurance quotes or pay a tax penalty. This provision also kicks in 2014, and it's one that Baby Boomers in particular will want to fight to keep.
Here's why: Beginning in 2014, private insurance companies will no longer be able to refuse to insure someone because of a pre-existing condition. But without an individual mandate, there will be no incentive for younger and healthier people to purchase health insurance until the time comes when they need it. This means those left in the insurance "risk pool" will be older, and that drives up the cost of insurance.
By the time we reach 50, nearly all of us have "pre-existing conditions." Some of our conditions are common, and some are not — mesothelioma, for example, is rarely diagnosed in patients younger than 50. And without Medicare or other good insurance, mesothelioma treatment would be financially devastating.
But without the individual mandate requiring that healthier people share in the cost of insuring all of us, the health insurance premium bills for people aged 50 to 65 will be ruinous. We can scrap health care reform entirely, of course, but keep in mind that if you lose your insurance before you reach Medicare age you may not be able to purchase insurance at all, at any price, if you have a pre-existing condition.
Barbara O'Brien is a bachelor of journalism graduate from the University of Missouri. She is an active political and health blogger and her mainstay blog is the mahablog.
For additional information on mesothelioma visit Asbestos.com for the most up to date information on asbestos and mesothelioma; with information ranging from a list of the top doctors and treatment centers, symptoms and steps to take after a diagnosis.


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September 23, 2015 at 9:30am to September 1, 2016 at 6pm – ArtSpace Bromley From September 2015, 6 spaces are available within our spacious group studio located within Bromley North. Artists working in all mediums are welcome. If you are a ceramic artist, kiln hire is availa… Organized by | Type: art, space, for, artists, working, in, any, medium
July 3, 2016 at 7pm to December 12, 2016 at 8pm – Sydenham Tennis Club Cardio Tennis is a great way to get fit, practice your tennis and you don't even need to have played before. Cardio tennis is a mix of fun tennis drills, exciting new exercises and games that will ma… Organized by Sydenham Tennis Club | Type: fitness, classes
July 15, 2016 at 8pm to September 2, 2016 at 10:30pm – St Barnabas Church Hall Join us every Friday for a lively evening of English country and square dancing. Beginners always welcome. Admission : Members £3, Visitors £3.50 Time: 8pm - 10.30pm St Barnabas Church Hall, Perth Ro… Organized by Beckenham Folk Dance Club | Type: dance
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As we leave the joys and sorrows of 2015 behind us, we welcome the New Year with great anticipation of a fantastic year ahead in every aspect of life.
These aspects usually include family, health and work, just to name a few and are commonly tied with the ever popular resolutions. What New Year welcome would be complete without them?
In true welcoming spirit, we've helped you outline some money resolutions you may certainly want to consider taking on in the year ahead to help you inch closer toward achieving your financial goals.
1. Pay Down Your Debt
It doesn't matter if you're walking into the New Year's with debt or are planning for a sizable spend that requires large credit – either way, a firm commitment to paying down your debt; past, present and future, goes a long way.
The most common debt that people face is credit card debt because it is so easy to rack up without realising. However, to continue to turn a blind eye to your debt will only result in excessive interest paid and continued bondage to the bank.
If you find yourself facing the above problem, choose to consolidate your credit cards under a personal loan or use a balance transfer. Whilst consolidation loans are sometimes tagged with high, fixed interest fees; the structured payment plan and single monthly payment makes it easier for you to repay. It also frees up cash from your monthly salary for necessities so you don't have to turn to credit again.
2. Bump Up Your Savings
The reason they say its never too late to start saving is the same reason you hear the term 'saving' at any discussion about New Year's resolutions – and if you haven't begun, there's no better time to begin than now.
Best part of a swelled up savings pot is you can use it for practically anything and everything – through the particularly large pampering spend (in moderation of course) or tough times where an emergency stash is needed.
Stick to a reasonable amount you wish to set aside from your salary for monthly savings. However, don't be too ambitious with this amount as you would find yourself dipping into your savings and demotivating yourself from continuing with your plan.
Your primary source of these savings would come from your salary and through simple saving tactics like dumping money into a fixed deposit account for instant, you'd be all set by year's end. It locks up your money for a tenure period of your choice and rewards you with pretty awesome annual returns.
If you have difficulty regulating your regular savings account, simply create one solely for savings and inform the bank that you would like to have a no debit card, or limit withdrawals by requesting for only over the counter withdrawals, which you could turn to in times of emergency.
3. Cut Off Unnecessary Spending
Before we traverse this wonderful New Year's resolution, it is important to take note that it would certainly help with the aforementioned ones should you be able to muster strength and will power to scale back on unnecessary spending.
First, one would have to determine the 'wants' and 'needs' that can be foreseen in the year ahead. Start off by listing down these probable items and include other activities that your lifestyle have absorbed thus far too.
From this list, a larger scope opens up and you would be able to see clearly which item's cost you can certainly do without and cut back on. For instance, a weekly outing to the movies can be alternately replaced with cheaper and yet equally entertaining activity or simply reduced to fortnightly as opposed to weekly.
Or perhaps you find yourself indulging in impulse shopping all the time? Find alternative routes like only shopping during mega festive sales or adopting a credit card that rewards you for every outgoing penny (remembering of course to pay your debt immediately as per resolution 1).
Auld Lang Syne!
You would've certainly hum the tune in the above header at any New Year's countdown at some point in your life. Its meaning is pretty interesting as it translates to 'times gone by' and that remembering friends from the past is of utmost importance.
Similarly, some of us have made financial blunders in the past and the most important thing to remember is to take lessons from it and not to repeat them ever again – especially in the fold of 2016 where our true companions come in the form of resolutions like the above.
Happy New Year, everyone.


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Sometimes my boredom gets so fucking stultifying that I find myself dragging through the dregs of the Internet. You know, the ultimate sludge, the ultimate 'I want to look at website that makes me hate myself and all of humanity.' This is generally when I wind up looking at San Francisco based blogs, mostly shit holes like MissionMission or that one San Francisco style blog that sucks. It galvanizes a rather prismatic rage that is followed by empty self loathing that is followed by more Internet surfing.
Anyways, what I'm trying to say is, I look at San Francisco based party/fashion/meandering 20 something pseudo-sex addict blogs, or New York ones, or Los Angeles ones, and I think, "Oakland needs this." No…I mean… "Oakland deserves this."
Maybe in some ways that's what Fuck Feast aspires to be, but not without your help. So, 2013 Fuck Feast readers, what I'm trying to say is: Fuck Feast needs you. Here's what I need:
– For you to write. Yeah. I mean, sure, not everybody's a writer, but, fuck. I have seen your Twitter rants, and your Tumblr posts, and your Facebook statuses, and I have talked to you at parties about all the fucked up shit you did after we parted ways at 3am with fucking on the brain. Be brave and write about it, okay? I mean, you've been telling people for years that you're an "artist," but, really, all that's come of that is a few wine-fuelled craft nights and a couple sketches that seemed good, but that doesn't qualify you as an artist. Going to Art Murmur and then complaining about it a bar doesn't make you an artist. Getting a real job and giving up on your dream of being artist DEFINITELY doesn't make you an artist, so you might as well do that "contributing to society" thing that you're always thinking about whenever you're smoking pot by yourself in your bedroom at 10pm while watching Netflix. I will take you, as you are.
– Also, I wish that Oakland had a cool "lit scene," and by "lit scene" I don't mean "lit scene," but, we've all noticed that Oakland has suddenly (thank you, New York Times) become some sort of art mecca, but where is the word-fuelled jihad? (Bad pun, lol.) Zach Houston seems to be the only respectable writer that has come from my personal experience of 25 years in Oakland. It seems that while this visual arts fuelled revolution is gripping the money scene of Uptown, there seem to be few writers who are actually pursuing anything creative and meaningful within our collective hipster social sub scene. We have our Monica Canilao as the quintessential successful visual artist, we have our Mama Buzz as the scion of this art culture, we have our various bands going for the gold, we have entrepreneurs and DJs and videos – but where the fuck are the other writers? Hello? Anybody out there? And the East Bay Express doesn't count – writing interesting new articles about whatever Berkeley-appropriate youth culture content the editors approve doesn't really qualify as "creativity" – what I want is people who know how to write and who approach with the same iconoclast dysphoria that most entry level CCA future-drop outs possess.
– Ugh, I need someone to help me code. Like, this dumb bitch (me) who will constantly talk about her time at a "tech company" still doesn't know how to format the Twitter widget to fall in the left hand column. (I dumb.) So, halp? Also, it would be nice to have featured articles. You know, stuff that I'm sure is very easy, but is still a bit too hard for me to put energy into learning how to do. Possible compensation for that one 😉
– People who illustrate. People who draw. People who take pictures. Basically people who said, "Fuck yeah!" to the above, but aren't as literarily inclined as some of us are.
– Tell your friends about this blog so people give a fuck about it, because mostly I'm writing about YOU (and if I'm not, just hit me up, I'll totally write about you), so stroke your ego and mine at the same damn time!
I don't care where you're based geographically, or where you are emotionally, but so long as it's good and on topic (parties/drugs/bars/sex/violence/anarchy/fashion/art/oakland/etc)…I mean, worth a shot, right?
tl;dr: Oakland needs a better party blog, would you like to contribute?


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Masterson, Hoag and Smith represented me in suing a local hospital over the wrongful death of my mother. I was her personal representative. Because she was elderly, we were turned down by several big-name law firms because the potential damages upon winning would be a likely substantially lesser amount than if she were a younger person. Masterson, Hoag & Smith took the case. They advised me of the best arbitrators suited for the case and brought them in from around the nation; three (3) highly qualified experts to testify as to the cause and effect of her needless death. Masterson, Hoag & Smith always took the time to explain and respond to the questions of other family members, no matter how irreverent or off the mark they were to the task at hand. They were sensitive, caring lawyers, yet at the same time had laser light focus in making amends to my mom. Needless to say, they (and we as well) prevailed in an arbitration. I believe the hospital(s) are far from perfect, but are a better place now because of Masterson, Hoag & Smith.
– Jim G.
My life was forever changed at the hands of an arrogant doctor! A relatively routine procedure to correct a situation, ended up causing irreversible damage that can never be corrected. In constant pain, feeling discouraged, and facing life with many limitations, we were referred to Masterson, Hoag & Smith. My husband and I will forever be thankful for their compassion, understanding, and guidance through the legal complexities of addressing the malpractice of a doctor. Their professionalism and perseverance, gave us the satisfaction of seeing the doctor ultimately take responsibility for his actions, and hopefully realize that he must be fully prepared for any future surgeries. Their assistance in this case was more than just professional, it was personal and sincere. Our deep gratitude to the firm of Masterson, Hoag & Smith for all they did for me and my family is never ending.
– Marcia & Ron S.
We had an exceptional experience working with Masterson, Hoag & Smith. They were extremely thoughtful in guiding us through the legal process. In general, the legal process is somewhat intimidating, and the proceeding was a difficult and emotional time for us. Masterson, Hoag & Smith listened to our issues and made sure that our actions reflected the best interests of our family. We would never want to go through it again, but if we had to, we would want Masterson, Hoag & Smith by our side.
– Johanna W.
The entire team at Masterson, Hoag & Smith is knowledgeable and professional. They handled our case quickly and efficiently. They are true experts, and I would recommend only their team to my friends and family, should they ever need support.
– Becky D.
Having been involved in the court system for over twenty years, when a family tragedy occurred, and we needed some expertise and direction, there was no better choice for our family than Masterson, Hoag & Smith. We chose this firm based on my perception of their knowledge and skill shown in court. From the first interaction, we knew we had made the right choice for our family. Every interaction was professional, but also had a personal touch. The entire firm exceeded our expectations during every step of the way. Their support, care, and compassion continue to be exemplar.
– Mike & Linda P.
As a client, I've been more than satisfied with the service and treatment that have been given to me. The staff is friendly and very quick with responding. All of my needs were taken care of. They are very professional, and I would highly refer anyone to them.
– Jessica P.


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Say Happy Christmas to your favourite couple with a Christmas card that will stand out this festive season. From family to friends, however special the couple are, we have a great range of cards to choose from. Including funny cards and photo cards, where you can upload your favourite photo of the couple. Start creating today!
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Excludes glasses, china mugs, book and a small selection of other gifts (see product pages for details).Flowers include FREE courier delivery 7 days a week.
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Whistler ATV is another exhilarating way to experience the Whistler wilderness, as you fire up your quad and head off over challenging terrain with logs and huge rocks to overtake. Don't worry, the shocks can handle nearly anything smoothly as you bomb up the trails and through huge puddles. There's tours available for all skill levels and you can try your hand at driving through the terrain park (a winding path through the woods barely the width of your ATV that you navigate slowly). The guides are fun and you're sure to have a thrilling time quadding around the mountains. Your Whistler ATV adventure through the terrain of the Coast Mountains is indeed one of the most thrilling and exciting ways to experience Whistler. You'll saddle up on your quad and take off along the rock and log-strewn paths, the shocks handling obstacles with ease, reaching breathtaking vistas and splashing through huge puddles. With itineraries designed to challenge any level of rider from introductory to advanced, with Whistler ATV you'll get your adrenaline pumping through the trails and test your handling in the tight-knit terrain park, tucked into the trees. There's a chance you'll even see some animals on your adventure. The experienced guides will see that you're outfitted with all the appropriate gear and provide instruction on safe riding so before you know it you'll feel comfortable charging up the mountain on your ATV with a huge grin on your face.
– Drivers must be minimum of 16 years, with a valid drivers license
– A parent or guardian must accompany those under 19 years
– Driver Collision Charge $20.00 + 5% GST
*Please ask us about our Spring/Summer combo tours.
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Canadian Wilderness Adventures
Welcome to Canadian Wilderness Adventures, expertly guiding Whistler's guests since 1993 and operating year-round on Blackcomb Mountain and the spectacular Callaghan Valley. Whether you wish to embark on a low-key tour and take in the stunning sights, or ride hard for an adrenaline rush, the perfect experience awaits with Canadian Wilderness Adventure tours.


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Barkworthies Buy 2 get 1 Free Stuffed Shin Bones Cases 3-4" or 5-6" Mix & Match Any Flavor! *Must Buy 3 per Size
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Wall Street seems to be on M&A watch with the next big areas of consolidation potentially being coal and steel. What should you know?
Demand for coal seems to be escalating, says Pete Najarian on CNBC's Closing Bell. It's growing at an unbelievable pace and it's a worldwide phenomenon.
I'm seeing some unusual options activity in Arch Coal (ACI). Traders are buying the March calls and the July calls which suggests to me the stock could soon move higher. Also watch Alpha Natural Resources (ANR), he says.
Steel is right behind coal in demand. We're always talking about global growth on "Fast Money" and as long as that sustains demand for steel should remain strong worldwide.


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It's Saint Patrick's Day here at Marvelous Mike and Friends! Marvelous Mike and Hilarious Harry recap Winter Storm Stella and talk about how Marvelous Mike's life has changed since last week's Day in the Life segment. Hilarious Harry presents another pinball update as his quest to obtain a pinball machine continues. Our feature story this week is Marvelous Mike's LIVE report from the Saint Patrick's Day Parade. Following the parade, we get some Irish jokes as we check back on Marvelous Mike's co-workers. We close out the show with King's Things and there's a confession on this week's Tweeting @ Celebrities.
Connect with us on Twitter at @MarvMikeFriends and we may read your feedback LIVE on the show!
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