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Opinion: How ObamaCare Slams Small Business
Editorial board member Steve Moore on a new survey showing employers will drop coverage and cut back employee hours in reaction to the new health-care law. Photo: Associated Press
This transcript has been automatically generated and may not be 100% accurate.
I ... I ... thus claimed Obamacare helps small businesses ... and make healthcare more affordable but actual small business owners ... say something very different I've got editorial board member Steve Moore joining me now from Washington ... I see the net put up a slide here and I it shows ... how will the Affordable Care Act affect your small business franchise the survey of small businesses ... sixty four percent said they had a negative effect see ... why ... it's amazing isn't about available only about administration needed was more bad ... news about Obamacare ... but YouTube right this was one of the central promise is that was made Mary ... of back in two thousand ate into thousandnine was that we would of Obamacare and small businesses with mother that would make ... insurance more affordable and easier to find ... I and our fighting exactly the opposite that when you actually ... all I ask people on small businesses the employers in this country ... ah by about a ten to one ratio ... they say that it's an editor for their business rather deposit for the business ... this is a big problem let me just that one of the Mary ... the poll also showed ... that you've already got nearly a quarter of all distances between ... about forty and add two hundred workers that are saying they are moving truck parked in a workforce ... because of the new man mandates under Obamacare ... he I there's some pretty stunning statistics public that opinion strategies is the pollsters here ... the next book in a little bit about why businesses don't like Obamacare what exactly are the costs ... that are being inflicted upon them ... well first of all when you cut one of the big groups that it was survey was people won't franchise's these are people ... very long McDonald's and Burger Kings and Ross Brown said ... and in store owners your customer stores in or talk about people make you know between ... ten fifteen sixteen seventeen dollars an hour ... it's very expensive for those kinds of companies to pay health care benefits for those workers they may have to lay off a lot of workers that they have to do that so ... in anticipation of Obamacare ... they're moving to part-time workers because at the end of part-time workers you don't have to pay down ... all of these benefits the other thing interesting Lee ... I've that we found was you've heard the term forty nine er very knots after Cisco forty nine these are businesses that I'd you know keeping the implied that ... doll below forty nine workers because what you would with that fifty worker threshold ... all of these new finds all of these new ban mandates under Obamacare ... get the business and you're talking not about you know hundreds of thousands of dollars of new clock Steve about a minute left are there any out better solutions here ... I mean hills on Capitol Hill that we should be watching ... well first of all let's repeal the law I you know that nothing is working yourself that this is a strong case for repealing the surly still you know going for yet ... but I like this out proposal that God ... has been proposed by Joe Donnelly has a Democrat by the way ... I in the Senate from Indiana eyed Susan Collins got kind of liberal Republican or say ok let's at the very least ... defying a full time worker as well we've always to find full-time work for Mary this country for the last fifty years ... forty hours a week Mary Wagner thirty hours a week become a full-time job that's not what you what I look for more than thirty hours away and I should do well ... Steven work in my forty hours a week to die ... you've got a lifetime bond over forty ... I editorial board member Steve Moore thank you so much for joining us a cadet


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Genevievette Walker-Lightfoot's time as an SEC investigator put her on the trail of notorious financier
Bernard Madoff all the way back in 2004.
The Intangible: Experience
Investigators for the Securities and Exchange Commission can spend months or even years patiently assembling evidence that may lead to proof of wrongdoing. Threads of the trail can be found everywhere: in paper records, phone conversation transcripts and trading documentation. Often, some of the most convincing smoking guns can be found in e-mail exchanges that are subject to subpoena by federal securities cops.
Yet, even mountains of information may yield little practical benefit unless the investigator has some firsthand knowledge of the real life practices of securities firms and traders.
Genevievette Walker-Lightfoot, CUA Law class of 1999, should know. Formerly with the Office of Compliance, Inspections and Examinations, Securities and Exchange Commission, she was charged with conducting the SEC's 2004 investigation into the activities of convicted financier Bernard Madoff. Her work uncovered troubling questions about the now-collapsed money empire that bankrupted countless investors.
(Right) Walker-Lightfoot, with Securities Law Program director David Lipton, was presented with an engraved pen in appreciation for her talk.
"You can't understand this information without having the background," Walker-Lightfoot told a student audience at the Columbus School of Law on Jan. 11th. "These procedures are just the beginning points. The key step is to bring a good practical understanding of the securities industry and a diversity of thought approach."
Invited by the Catholic University's Securities Law Program to discuss "How to Conduct A Compliance Examination to Unearth Wrongdoing," Walker-Lightfoot offered students an insider's tour of how investigations are structured and carried out by the SEC.
Her investigatory work in the Madoff case was, in some ways, an anomaly. Although Walker-Lightfoot and her small group of fellow investigators followed normal internal SEC procedures, the red flags raised by their findings went nowhere up the chain. For unclear reasons, the Madoff investigation stalled completely, a fact for which the SEC has been subject to heavy criticism.
These days Walker-Lightfoot serves as a specialist in risk management and large financial institutions for the Federal Reserve Board. Although her days at the SEC are behind her, there were times during her address when she sounded as though she still missed the thrill of the chase.
"The approach I always took was: something isn't right here. Fraud is never clear-cut. You have to ask the right questions to get the right answers," she advised.


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Will D'zendolet necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 97 diseños de 26 diseñadores freelance.
VELOCITI is a grassroots startup that not only considers this company as a business but as a way of living. We're speed freaks, always looking for more horsepower and a faster lap time. In the clothing industry we're the little guys looking to take on the big dogs in a volatile consumer market, but get on the racetrack with us and you'll be lapped before you know it. We're winners and there is no better adrenaline rush than winning another race.
VELOCITI is a retailer of motor sports culture clothing that will retail our own in house T-shirts, hats, hoodies and stickers depicting our logo (your design) through online sales.
This business has been started out of the pure passion that we have for the automotive, motorcycle, and motor sports culture that millions worldwide including ourselves share an interest in. It is our goal to take the motorsports apparel industry by storm with your logo design.
The targeted consumer of our products are males between the ages of 18-35. They are typically involved or interested in motorsports such as drifting, roadracing, stunting, sport bike racing,dirtbike racing, drag racing, time attack, karting, rally racing, open wheel racing, ect.
The existing companies within this market include AlpineStars, FMF racing, ICON, Shift, Joe Rocket, ect. Please familarize yourself with their products to understand what the competition sells and what your logo design will compete against.
Consumers within our target market have a variety of products to choose from to represent this lifestyle. If you have attended any motor races or car shows in the past, you will have most likely noticed that the previously mentioned brands are immensely popular.
Seeking a logo that carries a major "WOW" factor. Looking to stand out amongst competitors previously mentioned.
There are afew options you can follow.
1. If there is anything you can do with "VΞLOCITI", please feel free.
2. Looking for white font and/or with logo design on red rectangular background.
We are open to all other ideas presented as well.
The following file formats will need to be available:
Master = .ai vector based file
Internet = rgb
Printing purposes= .cmyk or .pms
.jpg for photoshop please.
Thank you and good luck to everyone!
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Taylor Swift Releasing Ed Sheeran Duet as Next Single
One-woman pop-country juggernaut Taylor Swift is about to give pop singer Ed Sheeran another big boost. The English singer-songwriter has been on tour with Swift recently, and now she's decided to release a duet they co-wrote, 'Everything Has Changed,' as her next single.
Sheeran has been joining Swift on stage during her Red Tour to perform the song, which they wrote together last year and recorded on Swift's blockbuster 'Red' album. The young performer -- who has also written songs for the boyband One Direction -- is an enormous star in his native country, and the exposure from an almost-guaranteed-to-be-a-hit single with Swift will undoubtedly help him in the U.S., where he is still lesser-known.
The ballad will be the fifth single from 'Red,' which is continuing to dominate country music in 2013 just as it did in 2012. Sheeran tells MTV that he and Swift are likely to collaborate on more songs in the future, since they find working together easy.
"We're male and female, but we do exactly the same thing like we're both the same age, we both write songs with guitars we both tour playing acoustic music and that's kind of it," he says. "We've got a similar sense of humor. I guess we just have a lot in common."


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Feb. 14, 2008
After winning four games in a row by double figures, the Bisons traveled to USC Upstate and held off the Spartans 57-53. Lipscomb earned an 11 point lead in the first half, but the Spartans fought back to take the lead in the second half. The two teams would trade baskets and keep it close until the final seconds of the game.
Lipscomb's LaKory Daniels iced the game with two free throws in the closing seconds to give the Bisons a 57-53 victory. USC Upstate fell to 6-20 overall, 4-8 in the A-Sun. The Bisons improved to 13-13, 7-5 in the conference.
"I'm just proud of our guys. Battling and Battling, it was good to win tonight," said Lipscomb's head coach Scott Sanderson.
Two Bisons managed to score in double figures. Freshmen Adnan Hodzic and Josh Slater combined for 28 points. Hodzic scored 11 points in his 18 minutes. Slater had one of his best performances of the season scoring 17 points, pulling down 10 rebounds, and making 7 assists.
"He was very good. He has made good decisions. He has jumped up and made some shots, and he plays thirty minutes and turned the ball over one time with 7 assists. He is stepping up and playing unlike a freshman and that's for sure," said Sanderson.
The Bisons led by 11 points three different times in the first half. That would prove to be Lipscomb's largest lead. The Bisons shot 13-25 from the field in the first half (52%). USC Upstate was 11-26 from the field in the first half (42%).
The beginning of the second half was a different story for the Bisons. Lipscomb's first successful shot from the field came at the 15:10 mark of the second half. During that span of 5 minutes, the Spartans were able to crawl back into the game and make it close throughout the rest of game.
A Spartans' three pointer by Jeremy Byrd gave USC Upstate a 45-44 lead with 9:40 remaining in the game. However, the Bisons battled back and took a 49-45 lead with 6:20 remaining in the game. Lipscomb would hold on to the lead and win the game 57-53.
Lipscomb was 21-54 from the field (39%), and the Spartans were 22-56 from the field (39%). The Bisons were 4-18 from the three point line (22.2%). USC Upstate shot 8-22 from behind the arc (36.4%).
"We can't really worry about what the other teams are doing. We are just trying to survive ourselves, one game and move on," said Sanderson. "I'm just proud of our guys."
The Bisons improved to 13-13, 7-5 in the A-Sun. The Spartans fell to 6-20, 4-8 in the conference.
Lipscomb's next action comes on Saturday when they travel to East Tennessee State University. Game time is set for 3:00 p.m. CST. Coverage of the game can be heard on 1200 AM or seen on A-Sun TV.


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The gender pay gap is the biggest it has been in 10 years, according to new data from Statistic New Zealand.
The quarterly employment survey shows the gender gap has increased in the year to September by 1.3 per cent, from 12.85 per cent to 14.18 per cent.
Pay Equity Challenge Coalition said it was the biggest gap it had seen in a decade.
"It's a huge jump," said spokeswoman Angela McLeod.
"You would think that if the overall rate had gone up - quoted at 1.1 per cent - that the gender pay gap wouldn't be affected. You'd hope."
Although the coalition couldn't know for sure the reasons for the jump, McLeod said a higher proportion of women in part-time work had not helped.
"Unemployment has risen and probably an increase in part-time jobs.
"Female-dominated workplaces have been traditionally lower-paid, like carers and cleaners. In these lower-paid roles women are paid barely above minimum."
While the Government bases its measurements on data collected annually through the NZ income survey, the Statistics New Zealand quarterly employment survey provided more regular information, obtained from employers as well as employees, she said.
"The best [the gap] has ever been using the measurements we use is 12 per cent. It's still a gap and it's still unacceptable."
McLeod said the Equal Pay Act, passed in 1972, was not effective in the current economic climate, given the proportion of contract work.
"A couple of bills have been drafted, which will make it more transparent and therefore give women and men the available data to challenge their pay."
But waiting for the bills to be drawn was not enough, McLeod said.
"We want to see the Government take action - they could put those changes in themselves. The Government needs to take on board the international and New Zealand-based research and see how they could increase the productivity of the economy.
"The Government needs to take a long hard look at it."


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New models in the Winglet series from CIMIER for the man of today.
A stylish piece of jewellery, high quality craftsmanship, an essential companion: for every moment, the strongly expressive CIMIER chronographs of the Winglet series are right up to the minute. CIMIER presents four new models in its successful men's watch collection – both sporty and classic. The form follows the function – uncompromising in terms of design, and a sought-after companion for any stylish man, whatever the situation.
Timesquare: For men who set the pace.
Timesquare – the distinctive automatic watch with a square case and a red seconds hand sending out a signal of masculine self-confidence. This sporty and modern men's watch makes a strong statement: atimepiece for high-achieving men. Timesquare will beavailable in three attractive variants. The highlight of theseries is the Molinari Signature Edition that bears thesignature of the CIMIER brand ambassador, the professional golfer Edoardo Molinari.
Seven Seas Mermaid – Pure fascination.
Inspired by wind and waves, the Mermaid reflects a modern lifestyle, characterized by energy, activity, and globality. Fine notes and nuances add class to this chronograph and profile to your time. The Seven Seas Mermaid compliments every second with sportive style and a fine feminine touch expressing sophisticated taste.
Classic Ladies & Gents - Classic timepieces in top Swiss quality.
CIMIER Classic Ladies & Gents – not least because of their simple, no-frills design – are a contemporary expression of an understated quality which nevertheless provides everything you need in a watch. Reliability is ensured by a Swiss quartz movement. The price-performance-ratio is not their only attractive feature. These purist models with their flat design and fine stainless steel case feel smooth, comfortable and pleasantly light on the wrist.


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Moderators: Timedude, Olothontor
I think those stats only apply to non-Mexicans.
Almighty Benny wrote:ha ha! Hey Tiny Tank, that zombie kinda reminds me of your sist... oh... well alright then.
Almighty Benny wrote:If I was a moderator, you would have paid dearly for posting this image.
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knowing and KNOWING
"Knowing that you don't know is a really powerful thing. Knowing clearly that you don't know, you can be certain that no one else knows either."
In response, a guy with the handle Apesamongus wrote:
"I don't know lots of shit that other people do, in fact, know just fine. It's arrogance to assume others share all of your ignorances."
The problem here is that there's knowing and there's KNOWING. Lots of people know stuff I don't know, like how to do their own taxes or play the bassoon or make lasagna. I would never presume that just cuz I don't know these things, nobody else does. There's also a certain degree of knowledge that comes from just occupying space on this planet a bit longer than someone else. My grandma can remember when TV was a new thing, and, having lived through the changes America has gone through over most of this century, she can impart some of that knowledge as well.
Then there's KNOWING. KNOWING is what lots of unscrupulous spiritual master types — as well as politicians, ad men and other dubious characters — pretend they do and you don't. Lately some people have started mistaking me for someone who KNOWS. I keep getting asked variations on a question that goes something like, "What does the world look like to you?" As if maybe they think that when I look at a tomato I see the eight armed cosmic form of Vishnu or some such thing.
I got an e-mail from a guy who told me that when he was having a private meeting with his Master, the guy told him, "You're at level three (of whatever the fuck level of spiritual planes he counted), but I can bring you to level two if you'd like." The teacher, you see, KNEW, while the poor student could only hope to bask in his reflected glory. Folks, if anyone says stuff like this to you, please run away as fast as you can.
The truth is, no one KNOWS. I'm sure some of you are thinking, "Well, how do you know that no one KNOWS? You haven't met Grand Master Sri Sri Rama Lama Whozitsface. He definitely KNOWS." It's fine with me if you want to believe crap like that. I don't. Because KNOWING doesn't exist out there. It's not something someone else has and can sell you. You can't borrow someone else's experience. The old metaphor for this in Buddhist stories is counting someone else's treasure.
Someone else may know themselves very well. But they don't know you and they can't know you. I remember a conversation I had with my first Zen teacher, Tim, many years ago. I said something like, "But you know. You've been through all this." He said, "Brad, I haven't been through anything."
The idea that someone else KNOWS is always a way of deferring your own responsibility to somebody else. They KNOW, so they can tell you and you can just sit back and absorb.
It doesn't work. There are times I wish it did. But it doesn't. Once you get your brains around that you may have a chance of discovering real knowledge for yourself.


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Amy of Living Locurto's edible paint project is adorable! She got the idea from Katherine's amazing drive in movie and popcorn themed party. Katherine used sweet evaporated milk with food coloring, and Amy used regular milk with food coloring.
We have been loving both popcorn and marshmallows lately, ( put them together to make popcorn balls) and so I'm confident that my boys will just love this little activity.Wouldn't those marshmallows be cute in little s'mores?