text:
The first enrollment period on healthcare.gov is done. But we're already planning for next fall's enrollment.
That's why UHPP is creating an "ACA Kitchen Cabinet" composed of 30 Utahns who purchased new insurance on healthcare.gov during the initial enrollment period.
Members of this Kitchen Cabinet will tell us how their new health coverage is working. We'll gather their feedback—the good, the bad, and the ugly—using online surveys, telephone interviews, and occasional panel discussions.
- Is your deductible too high?
- Is your provider network too narrow?
- Is your family physician still charging co-pays for preventive care?
- We want to know so that we can fix these problems.
This is why we need your help.
If you—or someone you know—purchased insurance on healthcare.gov during the recent enrollment period, let us know. We're assembling a group that contains a balanced mix of ages, genders, work status, insurance plans, income levels, ethnic backgrounds, and geographies. So far we've got 15 members, and we need another 15 to sign up.
To join Utah's "ACA Kitchen Cabinet," or to find out more details, email Jason at stevenson-at-healthpolicyproject.org, or call 801-433-2299 x.7.
Why are we putting together a focus group?
Because we've learned how first-person feedback delivers fast and honest results. Starting in early October, Take Care Utah's "in the trenches" navigators told us about glitches on healthcare.gov and snafus with Utah's Medicaid enrollment long before official sources did. Our navigators also developed fixes for these glitches before anyone else. Our ACA Kitchen Cabinet will replicate this grassroots feedback and warning system.
Take Action Now
If you want to be involved with Utah's "ACA Kitchen Cabinet," or want to recommend someone, email Jason at stevenson-at-healthpolicyproject.org, or call 801-433-2299 x.7.
Tags: 2014, ACA, kitchen cabinet, Utah
Posted in Coverage Initiatives, National Health Reform
Ed. Note: This article is corrected in several places since its original publication. Thanks to the Dept. of Health (DOH) for alerting us to these changes. We regret any inconvenience caused by the errors. UHPP will provide additional PCN updates in May and June.
If you don't qualify for Medicaid in Utah, the state's Primary Care Network (PCN) is your next-best option for basic health coverage. UHPP has learned that several thousand PCN spots (ed. DOH reports it will be more than 3,000, but no specific number is available) will become available on June 2. Adults with and without dependent children can apply. Utah's DOH has not indicated a closing date for this upcoming open enrollment period.
PCN enrollment is opened on an annual basis, but extra spots were created this year by transitioning recipients who earn over 100% of the federal poverty level (FPL) to subsidized private insurance on healthcare.gov. Once open enrollment for PCN begins, eligible Utahns can apply here.
PCN began in 2002 as a Medicaid waiver program to offer limited coverage to low income parents or adults without children who didn't qualify for traditional Medicaid. Enrollment is currently limited to 18,000 to 19,000 adults because of available funding, but 2013 monthly enrollment averaged 13,904 (pdf, page 29). Utah's waiver allows up to 25,000 participants, but the actual number is subject to funding levels. Currently, PCN has federal approval to remain operational through December 31st, 2014. The fate of the program after 2014 is not known.
Applications for the program will be available through the website, www.health.utah.pcn.
Receiving PCN could be a temporary solution for the 57,000 Utahns who earn too little to buy subsidized insurance on healthcare.gov, but earn too much to qualify for Medicaid. These Utahns earning under 100% FPL fall into our state's "coverage gap."
However, PCN is not comprehensive health insurance. It offers limited prevention-oriented health coverage, which includes primary-care doctor visits, up to four prescriptions per month, dental and vision care, immunizations and other services. PCN does not cover inpatient hospital care, mental health services, or specialty care—even with a primary care doctor's referral. PCN covers emergency room visits if and when the final diagnosis is an approved medical emergency. The last enrollment period for PCN occurred in April 2013 and lasted for two weeks.
Recent Changes to Utah's Primary Care Network (PCN)
-Open enrollment begins June 2, 2014. Eligible Utahns can apply here.
-Open to uninsured adults earning below 100% FPL (under $11,490 for a single adult, and $15,510 for two adults) [See the 2013 Federal Poverty Level Chart here]
-No annual enrollment fee
-MAGI income and household income rules apply
-Eligibility determinations will still be made annually. Enrollees will not have to have their eligibility confirmed every month.
-CORRECTED: Even though PCN is not "minimum essential coverage," losing it DOES qualify as a special enrollment period to purchase subsidized insurance on healthcare.gov. This is due to a negotiation between Utah and HHS for the waiver extension.
Tags: 2014, ACA, medicaid, pcn
Posted in Medicaid Policy Clinic, National Health Reform, Utah Legislature
357. That's the number of Utahns who purchased insurance on healthcare.gov during the entire month of October. We knew five of them well. And we could have squeezed the rest into a tennis court.
But fast forward several months to mid-March and 357 Utahns were picking a plan on healthcare.gov every nine hours. 44,699 people signed up after March 1st. In all, 84,601 Utahns got insured through healthcare.gov by April 19. The story of how Utah got to 84,601 is a tale worth telling—and learning from. After all, we'll need to do it again starting November 15th.
UHPP had two roles during the recent enrollment season: 1) Policy shop, 2) Enrollment hub (through our Take Care Utah network). This arrangement gave our staff a unique perspective on the challenges—from politics to logistics—that prevented Uthans from signing up for health insurance.
Here are seven lessons we learned:
Lesson #1: Enrollment assistors played a crucial role
Did Utahns need help signing up for health insurance? Absolutely. Navigators and Certified Application Counselors (CACs) played a crucial role from answering specific questions over the phone, to walking clients through the entire process. Without this help, insurance would have remained out of reach for tens of thousands of Utahns, especially those without access to a computer, living with a disability, or lacking English proficiency. Take Care Utah's team of experts scheduled almost round-the-clock appointments during the last several weeks of enrollment. They not only registered Utahns on healthcare.gov, but also educated them about how to use their new insurance more wisely. They even helped constituents referred by Utah's own congressional representatives The creation of the ACA's navigator program was a direct response to the failed 2006 rollout of the Medicare Part D program, and it worked.
Solution: Maintain funding and support for Utah Navigators and CACs. Expand CAC training to public libraries, hospitals, health clinics, state agencies (DWS, DOH). Plus, we need to integrate Utah's existing navigator and CAC networks into outreach and enrollment for any plan to close Utah's coverage gap. They will be best prepared to help the state's low-income residents understand their new insurance options.
Lesson #2: Consumers know little about financial assistance
Can bad news travel around the world while good news is putting on its boots? Absolutely. More Utahns know the tax penalty for not having insurance is $95 a year than realize they could receive generous subsidies to lower their insurance premiums. A recent survey by Enroll America showed that 69 percent of Americans had no idea that financial help was available on healthcare.gov. Why? Because premium subsidies (also called tax credits) are a complex idea that is difficult to explain. Plus, the notion that health insurance can be affordable seems unbelievable. Unfortunately, widespread ignorance about the premium subsidies (and misinformation spread by ACA opponents) discouraged many people from checking out healthcare.gov.
Solution: Show real-life examples of Utah's premium subsidies in action. For instance, UHPP's presentations highlight a 60-year old couple who save $600/month on insurance (pdf), and a 25-year old who would pay $65/month (YouTube) for a Silver plan. Find these Utah-specific results using the window-shopping tool on healthcare.gov, or the Subsidy Calculator created by the Kaiser Family Foundation. And spread the word that financial assistance is available for anyone earning between 100% and 400% of the federal poverty level. Here's what that means in real dollars.
Lesson #3: Brokers and producers helped, too
In late 2013 the health insurance market shifted under brokers' feet. Yet many of them ventured onto healthcare.gov and helped consumers enroll in coverage—learning new rules, mastering a new system, and meeting new clients. UHPP and Take Care Utah appreciated the strong relationships we developed with Utah brokers as we navigated ACA enrollment together.
Solution: Take Care Utah should expand our partnerships with Utah's broker community into the 2014-15 enrollment period, and seek federal rules more conducive to collaboration with brokers.
Lesson #4: Utah isn't as digitally connected as we think we are
Adobe, XMission, and Goal Zero might call Utah home, but there are thousands of residents (especially age 50+) who lack email addresses, Internet access, or computer skills. And let's face it: The healthcare.gov website wasn't exactly a walk in the park. These people needed navigators, CACs, and brokers to help them apply for coverage.
Solution: The most effective way to educate someone about their health insurance options involved 1 navigator or CAC, 1 consumer, 1 computer, and 1 hour. We learned that large-scale enrollment events were not as successful as scheduling one-on-one appointments for consumers to sit down with a navigator or CAC and apply for insurance. Next season we are planning large-scale education and awareness events with the opportunity for attendees to sign up for personal appointments to enroll.
Lesson #5: The Obamacare horror stories you heard about weren't true. And the Obamacare horror stories you never heard about are true.
Remember Julie, Shannon, and Bette? Their stories of cancelled policies and higher premiums caused blood to boil. But as fact-checkers poked holes in their claims, it became clear they were actually victims of false statements, bad advice, or their own irrational choices. But there's another group of people you probably haven't heard about. These are the millions of Americans who fall into the Medicaid coverage gap. They don't get their own TV commercials, but they do live in your neighborhood, attend your church, and take care of your children or cook your meals. And because of the Medicaid coverage gap, they are the real victims of health reform.
Solution: Over 57,000 Utahns lack access to affordable health coverage because they earn too little to get subsidized ACA insurance, and too much to qualify for Medicaid. They are mostly single and married adults, and parents. We can close Utah's coverage gap by extending affordable coverage to people who earn under 100% of the federal poverty level. In Utah, Gov. Herbert's Healthy Utah plan, or something close to it, is the solution with the best chance of implementation.
Lesson #6: Just because your Facebook page says you're 25, watch Portlandia, support same-sex marriage, and drive a Subaru… doesn't mean you support Obamacare
When we engaged Utah's "young invincibles" (especially during an intensive Facebook campaign in March), we learned that opposition to the ACA doesn't follow a straight line. Some young Utahns told us they didn't like the ACA (and would boycott signing up) because: 1) It wasn't single-payer; 2) the dominance of for-profit insurance companies; 3) lack of support for alternative medicine; 4) the $95 penalty; or 5) yoga is just as effective. But for the most part, their ignorance of the ACA wasn't because the law was too complicated, but because they hadn't prioritized health insurance. This outreach campaign taught us that health reform isn't an issue defined by age, income, or politics. It's guided by personal experience.
Solution: Show young Utahns that health insurance is now 1) affordable, 2) personalized, and 3) the responsible choice for their future. The under-35 year olds are pragmatic enough to judge a good deal when they see one—and Utah's rates on healthcare.gov are a pretty good deal, even for young people. We also link health insurance to financial security, using real-world examples of accidents, emergency surgeries, and medical bankruptcy to show how insurance can safeguard your personal and career goals.
Lesson #7: Besides need, the cost of insurance is the key driver in enrollment
If you aren't already sick, then buying health insurance involves weighing cost and risk. Over and over again, people asked themselves: "Is the cost of these premiums worth the risk of a serious accident or illness?" This is why the ACA's financial assistance is so important. Premium subsidies and lower deductibles keep more money in consumers' wallets and encourages them to sign up. But a recent Kaiser survey showed that cost was the #1 reason people didn't sign up for ACA insurance. Were they informed about the financial assistance they could receive? Probably not. Plus, we've learned of many instances in which Utah consumers were told that they didn't quality for premium subsidies when they actually did. Some bought insurance (paying $1000's extra a year), and others walked away and remain uninsured.
Solution: Utah already has some of the lowest-price ACA premiums in the nation. Navigators, CACs, and brokers need to make sure that consumers are aware if they qualify for premium subsidies—and how those subsidies could reduce their monthly premiums. Plus, anyone who earns under 250% of FPL can purchase plans with reduced cost-sharing and deductibles—sometimes as low as $0. We need to make more consumers aware of the financial assistance that is available.
For detailed charts analysis of Utah's enrollment story, please see UHHP's "Final 2014 ACA Enrollment Report"
Next Steps: Where can I get help with insurance or medical care?
1) Take Care Utah's Enrollment Assistance Locator
We created the website www.takecareutah.org to help Utahns enroll in their new health insurance options. Type in your ZIP code, and the website will list the names and contact information for the nearest trained experts in your community. There is no charge for the website or for the help. State-certified navigators and application counselors are standing by to answer your question, explain your benefits, and help you enroll in new insurance. You can also reach trained experts by dialing 2-1-1 on your phone.
Link: www.takecareutah.org; http://www.uw.org/211/
2) Apply for Utah's Primary Care Network (PCN)
PCN (Primary Care Network) is a state-run Medicaid program for people who don't qualify for traditional Medicaid. It provides basic primary care and up to four medications per month. It does not cover specialty care or hospitalization. PCN will open for new enrollment in May 2014. We expect about 3,000 new slots to open up for the rest of 2014 on a month-to-month basis. Check the PCN website for when the next enrollment period begins: http://www.health.utah.gov/pcn/
3) Visit one of Utah's Community Health Clinics (CHCs)
These health clinics serve everyone—insured or uninsured. Patients pay for services on a sliding-scale fee structure based on their income. These clinics are staffed by highly-qualified doctors and nurse practitioners and cover all types of primary care. They can also give patients access to vouchers and discounts for medications, hospital care, and specialty services.
Find the nearest CHC location here: http://www.auch.org/community-health-centers/find-a-health-center
Phone: (801) 974-5522
Tags: ACA, enrollment, lead, takecareutah
Posted in Coverage Initiatives, National Health Reform
Kim Gillan, the new director for Region VIII of the U.S. Dept. of Health and Human Services, is making a two-day trip to Utah this week. Region VIII includes Utah, as well as Colorado, Montana, North Dakota, South Dakota, and Wyoming In addition to meeting with lawmakers and other healthcare stakeholders, Kim will be meeting with members of the Utah's new Health Care Round Table on Wednesday at 1:15pm at the Utah Capitol. Members of the public are invited, but please respect that members of the media are excluded.
The Health Care Round Table meets every Wednesday afternoon at 1:15pm in the Olmsted Room at the Utah Capitol. Each week the roundtable will hear from an invited guest. On Wednesday February 12th the roundtable will welcome Rep. Robert Spendlove (R-Sandy), an economist who recently served as Gov. Gary Hebert's state and federal relations director.
Event: Health Care Round Table
Location: Utah State Capitol – Senate Office Bldg. – Olmsted Room (map)
Time: 1:15pm – 2:15pm
Contact: RyLee Curtis (email)
Kim Gillan
Kim is the new Region VIII Director for the U.S. Dept. of Health and Human Services (HHS). Originally from Montana, Kim served 16 years in the Montana state legislature, championing a variety of policy and programs to improve access to health care for people with diabetes and autism, and also small business owners. She also worked with the Montana State University-Billings, focusing on workforce development and training. She is active in several regional organizations for state legislatures.
Doyle Forrestal
Doyle is the Executive Officer in the Office of the Region VIII, Health and Human Services (HHS). Doyle works with state, local and community groups to answer questions, provide information, and assist with matters relating to the implementation of the Affordable Care Act (ACA). Prior to joining HHS, she was the Director of Public Policy with the Colorado Behavioral Healthcare Council (CBHC), the membership organization representing Colorado's statewide network of community mental health providers, and has worked with the Colorado state legislature for nearly a decade.
Posted in Coverage Initiatives, National Health Reform
Last week the federal government released detailed data for the first month of marketplace enrollment (October 1 through November 2). Utah's numbers were included in the 29-page data dump.
Here's what we learned.
>>Only about 357 Utahns have purchased insurance on healthcare.gov
>>A total of 6,186 Utahns have finished applications (some for more than one person), but have not yet picked a plan.
>> 9,318 Utahns are included in the completed applications on the Utah marketplace
>>3,883 of the Utah applicants qualified for premium subsidies to make their insurance premiums more affordable.
>>Successful Medicaid and CHIP applicants accounted for 4,816 Utahns on the marketplace. An unknown number also applied through state agencies.
>>Utahns are waiting until the December 15 and March 31 deadlines to purchase their marketplace insurance. Here's a comment from the 11/13/13 Salt Lake Tribune article, Fewer than 400 Utahns able to shop Obamacare exchange.
From the comments section:
"I signed up on healthcare.gov. There are a lot of plans I'm looking at – but I haven't signed up for any of them yet so I'm not counted. I'm not going to make a decision until December, and I'm not paying for anything before I need to. I'm on the website, I'm shopping, I'm happy with what I see, I'm figuring out my best option — but I'm not being counted (YET) since I haven't actually signed up for a plan."
>>How many people do you know have purchased all of their Christmas presents? Face it: We are a last-minute society.
>>Download the complete HHS/CMS enrollment report here
Tags: ACA, marketplace, Utah
Posted in Coverage Initiatives
If we apply the five stages of grief to the fizzled launch of healthcare.gov, most of us are at stage three: "Bargaining."
-If I create a new login will it work?
-How about applying at 2am?
No, that's when the website is being overhauled.
-What if I refresh my computer screen 500 times?
Nada, and now you've got a repetitive stress injury. Good thing pre-existing conditions don't matter anymore.
Two weeks after the debut of the Affordable Care Act's marketplaces—including healthcare.gov here in Utah–the promise of reform has been temporarily replaced by an error message.
But it will get fixed.
Yes, some Utahns have signed up for new insurance. If it wasn't for the success of Phil Sherburne, Leia Bell and their three kids, we'd all probably be at stage four: "Depression." Soon after October 1st Phil signed up his family for a silver-level insurance policy that cost them $123 a month. And it took him "about an hour," he told the Salt Lake Tribune. How? We don't know. As we drafted this article our healthcare.gov login screen was stuck in digital purgatory.
Criticism of healthcare.gov's abortive launch is blunt and universal.
Ezra Klein called the debut a "failure" in the Washington Post's Wonkblog. The New York Times quoted an insurance official describing the federal website as "awful, just awful." And Avik Roy, never a fan of Obamacare, headlined a recent a Forbes.com post with "third-world experience," referring to a now prescient March 2013 warning from the chief information officer at the Centers for Medicare and Medicaid Services (CMS).
Still, the middle of October is 14 days into a 180-day open enrollment period. Even if you count February 15th as the drop-dead enrollment date to avoid a tax penalty, about 90 percent of the enrollment window remains.
And so the question isn't whether healthcare.gov will be fixed.
The question is… when it is finally fixed; will the millions of people who have struggled to log on notice that the website's door is now open?
Perhaps yes, suggests this opinion piece in the Times. "Interested customers will come back often," it explains, citing an average of 18 inquiries on the 2006-era Massachusetts Health Connector website before a person signed up for coverage.
We know Americans will wait in line for days to buy the latest iPhone. But does health insurance have the same allure? If healthcare.gov develops a reputation for glitches and error screens, shaking that image won't be easy. This is especially true when opponents of health reform have shown a knack for honing inaccurate yet enduring taglines like "death panels" and a "government takeover of health care."
The Obama administration has set a goal of seven million Americans signed up for new coverage in 2014. And for the marketplaces to maintain the proper risk balance, many of the new enrollees must be the "young invincibles" for whom health insurance isn't a medical necessity, but convenient financial security or something that makes mom happy.
So far the state-run exchanges are doing better than the federal exchanges—including 1,000 applicants a day in Kentucky, and 305 newly covered lives during the first week of Colorado's marketplace. Where is Utah? Besides the Sherburne-Bell family—we don't know. This Advisory Board post estimates 5,000 successful applicants among the 26 states with federal marketplaces—compared to almost 25,000 in the state-run exchanges. As of mid-October, Utah data is non-existent.
For advocates, enrollment specialists, and health professionals, the fallback position for now is education and outreach.
We can explain what healthcare.gov will do even if the reality isn't available yet in Utah. Plus, we can promote helpful workarounds like the Kaiser Family Foundation's subsidy calculator—and the new plan preview tool at healthcare.gov—which doesn't require a login or identity verification.
Plus, UHPP's calendar of "Health Reform 101" presentations is staying active.
We've held 67 events since January, reaching almost 2,900 Utahns. And we have 15 more educational events scheduled for the second half of October, including presentations in Provo, Orem, Ogden, and Moab. To schedule a "just the facts" educational presentation about the ACA for your group or organization, email Jason Stevenson, or call him 801-433-2299, x5.
Tags: ACA, marketplace, october 2013, Utah
Posted in Coverage Initiatives, National Health Reform
UHPP Fall Conference
We Have Liftoff! Real-Time Data from the Launch of Obamacare
On December 5, UHPP will bring together national and state health-care leaders for a robust discussion about the first 65 days of implementing the Affordable Care Act.
- Who is signing up—and who isn't?
- Does healthcare.gov actually work?
- What kind of subsidies are individuals and families receiving?
- Will the open enrollment period reach its 2014 goals?
To answer these questions we'll hear from dozens of experts on how people, businesses, organizations, and governments are adapting to the new realities of finding, purchasing, and using private health insurance.
Speaker and panel discussions will include:
>> A Critical Look at the Launch of Utah's Health Insurance Marketplaces
>> Navigators: Early Reports from the Trenches
>> Bumps in the Road: The View from Other States
>> Utah's Options for Medicaid Expansion
UHPP Fall Conference – December 5
Title: We Have Liftoff! Real-Time Data from the Launch of Obamacare
Date: Thursday, December 5, 2013
Time: 8:30am to 4pm
Location: Red Lion Hotel (161 W 600 S, Salt Lake City, UT 84101)
Small Nonprofit: $15/ticket (15 employees or less)
General Admission: $25/ticket
Please mark your calendars for December 5th
RSVP and Registration link: https://www.eventbrite.com/event/8062319615
A more complete agenda and speakers list will follow.
Please look to UHPP's website and our Facebook site for details and updates.
Tags: ACA, fall conference, marketplace
Posted in Coverage Initiatives, National Health Reform
Stay current on the latest state and national health care news with our monthly summary.
How many people have enrolled in the Obamacare exchanges?
The Advisory Board, 10/14/13
The 36 federal exchanges have enrolled an estimate 5,000 people in the last two weeks
The cost of Obamacare varies wildly by state
Washington Post Wonkblog, 10/13/13
The feds will spend just about $10,000 subsidizing health insurance costs for a poor, middle-aged man who lives in Georgia – and just $3,000 buying the same guy in nearby Tennessee a near-identical plan.
Want evidence feds are trying to fix HealthCare.Gov? Here it is.
Washington Post Wonkblog, 10/11/13
Check out the "Preview Plans and Rates" function on the healthcare.gov website
Ohio Medicaid Expansion Gets Big Push From GOP Governor: Report
Huffington Post, 10/13/13
Ohio Gov. John Kasich (R) will circumvent the majority-Republican legislature in his state to advance an expansion of Medicaid benefits to 275,000 people under President Barack Obama's health care reform law, according to a report published Friday in the Columbus Dispatch.
Get covered by Valentine's Day to avoid fines
You'll have to get coverage by Valentine's Day or thereabouts to avoid penalties for being uninsured, the Obama administration confirmed Wednesday. That's about six weeks earlier than a March 31 deadline often cited previously.
How Obamacare's Exchanges Turned Into a 'Third World Experience'
Forbes, 10/9/13
"Are you ready for Obamacare?"
Health exchange: Utah family gets coverage for $123 a month
Salt Lake Tribune 10/6/13
KUTV (Channel 2) 10/6/14 – Video
Have any Utahns actually enrolled in new health exchange?
Salt Lake Tribune 10/4/13
Obamacare's coverage gap: The poor caught in between
Brendan Mahoney Saves ObamaCare
Wall Street Journal, 10/2/13
Can't load Utah's insurance exchange? Find prices here
Salt Lake Tribune 10/1/13
An Open Letter to Sen. Mike Lee
Utah Policy.com, 9/30/13
Utah Individual on Exchange Rates – Medical Plans – Non-Smoker Rate Plans Currently Approved
Utah Department of Insurance, 9/27/13
Note: This is a 356-page PDF
Thousands of Utahns awaiting governor's decision on Medicaid expansion
Deseret News, 9/26/13
Will young people pay a lot more under Obamacare?
CNN Money, 9/22/13
Tags: ACA, in case you missed it, marketplace, medicaid
Posted in National Health Reform
Dear Navigator,
How is the new marketplace insurance better than what I have now?
Dear Unconvinced:
I have one question to ask you: How much do you pay each month for health insurance?
The key advantage of Utah's new private insurance marketplace is that you might qualify for lower monthly premiums based on your income. If you a single person earning between $11,490 and $45,960 a year (100% to 400% of the federal poverty level), you will get help paying your monthly premiums. And because you asked, those income levels reflect your MAGI or Modified Adjusted Gross Income—learn more here. Yes, there are other benefits like a single website to compare dozens of plans, the guarantee of 10 essential health benefits, and the allure of celebrity endorsements. But price is king, and many Utahns shopping on the new marketplace will save money compared to their current premiums.
Here's how it works.
Go to healthcare.gov.
Okay, so the website isn't working so well. Don't fret. I bet President Obama is uploading the latest code fix right now.
But in the meantime, there are three ways to price-check the ACA rates vs. what you are paying now.
First, you can plug your details (age, ZIP code, earnings) into this handy calculator created by the Kaiser Family Foundation. It calculates your yearly premiums—and the subsidy you might receive—for the average insurance plan (ie. second-lowest cost silver plan) on Utah's marketplace. What is a silver plan? Find out here.
We've checked this website's calculations numerous times. It's spot on for Utah premiums. Plus, the Kaiser calculator is the only option that provides an estimate of your premium subsidy.
Second, last Thursday the feds added a new feature to healthcare.gov to let consumers preview Marketplace health plans and prices available in their area. This tool lets you see the prices for dozens of insurance premiums for your county—and you don't need to log in with a name and password to use it. Big caveat: The prices on this tool don't reflect the lower costs you may qualify for based on household size and income. However, it does give you a glimpse at the insurance policies available on the Utah marketplace.
Third, you can look up how much your insurance would cost on a large PDF compiled by the Utah Department of Insurance. While scanning a 350-page spreadsheet is old-school compared to the Kaiser calculator and the new plan preview tool (options #1 and #2 above), some people might prefer it.
There are some other ACA innovations to the insurance market that might affect you. The following changes apply to all new plans sold on the Utah marketplace, and plans in the regular private market that begin (or are renewed) after January 1st, 2014.
>>You cannot be denied or priced-out of insurance coverage based on your health history or pre-existing conditions. How sick you are (or were) no longer matters in how much you will pay for health insurance. This protection has been in place for kids for several years, and applies to adults after January 1st, 2014.
>>Maternity care and deliveries are included in all insurance plans. Until now, maternity care wasn't always covered by insurance policies. This New York Times article from July 2013 explains how devastating the absence of maternity care can be for insured young families.
>>The ratio insurance companies used to charge older adults (generally over age 40) higher premiums for insurance will shrink by about half after January 1st. In Utah, the maximum ratio will shrink from 6:1 to 3:1.
Tags: ACA, ask a navigator, marketplace, navigator
Posted in National Health Reform
Two weeks after the launch of a massive new federal health care program, newspaper articles claimed it was "plagued by problems." Banner headlines described a "meltdown" and "chaos". Computer glitches left thousands without care. Critics demanded the program be scrapped. Meanwhile, a government spokesperson expressed "concern about people encountering difficulties."
Are these reports from October 2013?
They are from January 2006 and rollout of the Medicare Part D prescription drug program
One week before the launch of the Affordable Care Act (ACA) it's helpful to remember the rocky start to the Medicare Part D prescription drug program in 2005/2006—as this excellent study from the Georgetown University Center of Health Insurance Reform describes. Not only did the rollout of Medicare Part D fail, but a month before it began, 58 percent of senior citizens said they lacked enough information about it, and only 31 percent viewed the program favorably.
If what's past is prologue, then the next few weeks are going to be bumpy.
As a result, UHPP has compiled seven predictions about the imminent launch of Obamacare. We realize it's risky to try to predict the future. But since hindsight is always 20/20—let's see how effective our foresight is.
Note: We'll review these seven predictions at our annual fall policy conference, We Have Liftoff! Real-Time Data from the Launch of Obamacare. The forum will take place on November 21st, 2013 at the Red Lion Hotel in Salt Lake City. Learn more about the conference and mark your calendar here.
Let's get started.
#1 "Houston, we have a problem."
There are going to be computer glitches. It's guaranteed.
We already know the ability to transfer Medicaid applications between Utah's federally-run marketplace and the state's Medicaid screening system won't be ready for at least a month after October 1. We expect more computer problems to arise—from the calculators that determine a person's premium subsidies, to the ability for people to predict their income for the next year. But as long as these problems are identified and fixed in a timespan of weeks—and not months—then the ACA rollout should still be effective and on schedule.
Need proof?
After the initial problems with Medicare Part D were solved, it became a popular and appreciated new benefit for seniors. And then there's Steve Jobs. In June 2010 Apple shipped millions of iPhone 4 smartphones with faulty antennas—creating a media storm of backlash. But they fixed the problem and went on. Back in June 2010 the stock price for Apple was $250. Today, Apple stock sells for $500.
#2 Enrollment will ebb and flow, but spike in December.
For people who have been denied insurance because of a pre-existing health condition, October 1st will be an early Christmas. They will be the first people in line to purchase new private insurance. But we think others—especially those who have private insurance and young people—will take a slower approach. They might check out healthcare.gov in early October, but not purchase a plan. Instead, they'll window shop by comparing prices and coverage, talking to their family and friends, and inching towards a decision. Because Obamacare doesn't force people to switch from private insurance to marketplace insurance, many people will stick with the status quo—at least until they determine the program is working. But once December 15th rolls around (the deadline to buy insurance that takes effect on January 1st), we think enrollment will spike. Perhaps December 14th will be the new "Black Saturday" for pre-holiday insurance shopping.
#3 Obamacare fraud will happen.
There are two types of Obamacare fraud. The first type is when people use the marketplaces to apply for insurance and receive premium subsidies despite being ineligible. But it's the second type of fraud that we should be more concerned about. Scammers are ready to take advantage of rampant confusion about Obamacare to target senior citizens and other vulnerable populations. Is this a reason to delay and repeal the ACA? Not in our opinion. You don't stop a computer virus by beating your laptop with a sledgehammer. You protect yourself through better information and vigilance. We think government agencies and organizations should fight fraud with real facts and advice. We appreciate those who are. Last week the Utah Department of Insurance published a list of "red flags" that consumers should be wary of—from the threat of jail-time for being uninsured to high-pressure sales tactics. Because senior citizens will be enrolling in Medicare at the same time that Obamacare is open for business, AARP produced this useful fact sheet to warn against the most common scams. Finally, CNN Money published this list of the most common ACA fraud tricks that are operating right now—including the promise of a new Medicare card to keep from losing coverage. So let's be careful out there.
#4 The term Obamacare will fade away.
When asked to describe "Obamacare," many Americans will call it government insurance and socialized medicine. Many others are suspicious of the law, and don't understand what it does. In truth, the Obamacare marketplaces will sell private insurance policies made more affordable by federal premium subsidies. As these facts become more known (which will happen once people shop the marketplaces), the innovations created by the ACA will be associated more with private insurance—and less with the 44th president and a 2,000-page law. Ten years from now, a 25 year-old will assume that remaining on his parent's insurance was always an option. Likewise, a person with high-blood pressure won't remember a time when they could have been denied insurance coverage. Changes that seem ground-breaking today will become the new normal for private insurance, and "Obamacare" won't be invoked to describe them—except in history books.
#5 Rate shock won't happen, but Medicaid shock will.
For most of 2013 we heard that Obamacare would cause insurance premiums for most Americans to rise like a rocket ship. But once states began releasing real premiums for the new insurance marketplaces, that prediction fell away. More recently, multi-state studies by the RAND Corporation, Kaiser Family Foundation, and Avalere Health determined that dire predictions about across-the-board rate shock won't occur (another study by the Manhattan Institute takes a different view). It's true that future premiums for some populations—especially young people—will be higher than they are today. But the prospect of widespread rate hikes did not materialize, as the RAND researchers concluded, "[O]ur analysis found no widespread trend toward sharply higher prices in the individual market." This New Republic article smartly summarizes this new reality.
Instead of rate shock, the bigger jolt will occur when people who earn under 100% of the federal poverty level ($19,000 for a family of three) apply for insurance on the Utah marketplace and realize 1) They don't qualify for marketplace premium subsidies, 2) They aren't eligible for Medicaid under Utah's current rules. Instead of access to affordable insurance, they will get the marketplace version of an "Abort, Retry, Fail" message. UHPP meets many of these individuals and families during our "Health Reform 101" presentations. In all, we think about 60,000 Utahns earning under 100% of the federal poverty level will be ineligible for premiums subsidies and not covered by current Medicaid. Many of these people work several part-time jobs but still can't afford insurance in the private market. For them, Obamacare is a nice idea, but Medicaid expansion is the reality they need.
#6 Some Utah insurers will leave the marketplaces.
Right now Utah has six private insurers selling 99 plans on the federal marketplace for individuals and families, and three insurers offering 70 plans on Avenue H, the state-run small business marketplace. These numbers—and the companies participating in the marketplaces—won't be the same next year. Insurers apply to join the marketplaces, and then compete for customers based on the quality and price of their plans. Like in every free-market, competitive business, we expect churn to occur. Existing insurers will leave, and new ones will take their place.
#7 Immigration reform will become the next health-care battleground
Undocumented immigrants and young people with Deferred Action Childhood Arrivals (DACA) status are not eligible to use the new insurance marketplaces, or qualify for premium subsidies. People in both categories are still eligible to purchase insurance on the private market, or receive it from an employer. The current Senate immigration reform bill, SB744, continues these Obamacare restrictions for people granted Registered Provisional Immigrant (RPI) status, but allows them to petition for LPR (or "green card") status after ten years. If and when immigration reform is considered again by the U.S. Congress, their ability to access the insurance marketplaces and premiums subsidies will become a controversial issue.
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Kaua'i Updates
More on Kaua'i Updates
"Mahalo #Hawaii State Association of Counties for all your work serving the people of Hawai'i and tackling the many problems our counties face including affordable housing, crumbling infrastructure, protecting our environment and more. Great seeing you!"-TG
Follow Rep. Tulsi Gabbard on social media:
Washington, DC—Congresswoman Tulsi Gabbard (HI-02) today announced that she is accepting submissions from Hawaiʻi high school artists in the 2nd Congressional District for the 2018 Congressional Art Competition:
Reps. Tulsi Gabbard, Don Young, Colleen Hanabusa Introduce Civil Defense Accountability Bill Following Hawai'i False Missile Alert
Washington, DC—In response to the false ballistic missile alert sent out across Hawai'i on January 13, Rep. Tulsi Gabbard (HI-02) today introduced H.R. 4949, the Civil Defense Accountability Act of 2018 to:
Washington, DC—Rep. Tulsi Gabbard (HI-02) today announced resources on her official website for Hawai'i constituents to submit federal appropriations requests for the upcoming fiscal year. The Congresswoman submits federal funding requests for programs that impact Hawai'i each year as Congress goes through its annual appropriations process.
Washington, DC—Reps. Tulsi Gabbard (HI-02), Colleen Hanabusa (HI-01), and Don Young (AK-AL) have introduced bipartisan legislation to exempt Hawaiʻi and Alaska from regulations that threaten federal funding for the states' Essential Air Service (EAS) communities. Essential Air Service communities in Hawaiʻi include Waimea-Kohala Airport on Hawaiʻi Island, Kalaupapa Airport on Molokaʻi, and Hana Airport on Maui.

subset: commoncrawl


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Contact: Mat Staver, 407-875-1776, firstname.lastname@example.com NEWNAN, Ga., July 27, 2018 /Christian Newswire/ -- The National Council of Teachers of English (NCTE) promotes not just "English" instruction, but a radical "social justice" and critical theory agenda. NCTE trains teachers to indoctrinate students with radical ideology, under the guise of classroom English assignments, and in violation of parental rights.Liberty Counsel represents concerned parents in the Coweta County School District where Language Arts teacher Kima Brown and other Northgate High School English teachers were workshop "presenters" at the NCTE 2017 National Conference. The conference agenda instructional sessions included:
One of the conference's three "Featured Sessions" was entitled "Queering English Studies: Navigating Politics, Policies, and Practices..." The session description stated, "Queer K–12 teachers and students must continue... constructing learning spaces, creating projects, and pursuing research agendas that move English studies ... to transformation so that participants can be proactive in their schools and communities."At Northgate High School, Ms. Brown required her students, without parental consent, to complete an individual "dossier" containing confidential and personally identifiable information including a photograph, a strand of hair, a handwriting sample and fingerprints. These "dossiers" were posted in the classroom where the data could have been taken by students, staff, faculty and school guests, thus violating students' privacy. The assignment was not part of the school's curriculum and was not required of other classes. Concerned parents view this unauthorized data collection as conditioning of their students to accept privacy violations by the state.Brown also required her students to "Create a Propaganda Meme" regarding the "Syrian Crisis and War." Among other things, the "propaganda" assignment required students to answer, "Are you for OR against the war?" "What should be done to protect children?" "Should the US accept more Syrian refugees?" "What should all Americans do about the crisis?"The "dossier" and "propaganda" assignments are consistent with the radical agenda promoted by the NCTE. Liberty Counsel has demanded this school district forbid teachers from requiring students to create "dossiers" on themselves or "propaganda" about any subject. Liberty Counsel also demands that teachers must be counseled regarding parental rights and student privacy and disciplined if they bring radical NCTE ideologies into the classroom.
"Teachers cannot require students to provide hair samples, fingerprints, or other personal information, or force them to create propaganda without parental knowledge and consent," said Mat Staver, Founder and Chairman of Liberty Counsel. "Teachers must be accountable to parents and parents must be vigilant and aware of inappropriate classroom assignments designed to indoctrinate, not educate," said Staver.
Liberty Counsel is an international nonprofit, litigation, education, and policy organization dedicated to advancing religious freedom, the sanctity of life, and the family since 1989, by providing pro bono assistance and representation on these and related topics.


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BeSafe iZi Modular i-Size Car Seat
The Modular Evolution!
Here at Bababoom we believe it is essential that you walk away with the correct car seat safety information which is why we have invested extensive staff training, whilst we facilitate online purchasing we strongly urge you to come in store prior to buying. We believe that your car seat purchase is one of the most important decisions you'll make and we want to help you with that decision. Our in store car seat experts will not only give you a free 1 to 1 demonstration but will encourage you to get hands on with the car seat and even teach you how to install it in your car correctly.
We will endeavour to price match any offers you see elsewhere and bespoke package deals can be created in store.
Please note some items may not be readily available and there may be a 1-4 week wait, on receipt of your order a senior member of our nursery department will call you to confirm the delivery date.
The iZi Modular concept is the new innovative child safety system from BeSafe, used from newborn up to approximately 4 years! The toddler seat iZi Modular received the solid overall score «Good» in ADAC / Stiftung Warentest in May 2016.
For this age the BeSafe iZi Modular, consist of one ISOfix compatible base and a child seats which conform to the new EU standard R-129 (i-Size). The iZi Modular can be used both rear facing and forward facing on the same base. The base module can be extended to allow more legroom for the child, which means children up to the age of about four years (105 cm tall) can be transported rear facing.
- Rear facing: 61 – 105 cm
- Forward facing: 88 – 105 cm
- Approx age: 6 months – 4 years
- Facing: Rear- and forward installation with iZi Modular i-Size ISOfix base
- Approved: UN r 129 (i-Size)
- 6mths-4yrs, up to 18kg, up to 105cm, Forward & Rearfacing
- SIP+ side-impact-protection 'shock absorber' exceeds iSize Regulations by +20%
- ''Best in class' recline positions.
- Compact in the car, leaves leg room for the front seat passengers.
- Magnets hold the harness open for easy access
- Extra removable body cushion inserts - remove as soon as Baby grows to being snug.
- To view car seat & stroller compatibility list - https://www.carseat.co.uk/product/izi-modular-i-size/


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IWSG: My First Pieces
The Insecure Writer's Support Group is a large group of writers--and we post on the first Wednesday of every month. Thanks to August's co-hosts: Tamara Narayan, Tonja Drecker, Ellen @ The Cynical Sailor, Lauren @ Pensuasion, Stephen Tremp, and Julie Flanders!
What was your very first piece of writing as an aspiring writer? Where is it now? Collecting dust or has it been published?
I started writing when I was 9. I wanted to be a "writer" by the time I was 12. To say that I have a backlog of childhood scribblings is not an understatement. Cheekily, I started calling it my "Juvenilia" because that's what Jane Austen called her childhood scribblings.
I mean, none of it's good. Oh, except for a snarky poem that got published in the elementary school magazine; that one was pretty fun. I have some of these pieces in a folder, on yellowing pieces of looseleaf. I have some things from high school and more from college, too. It's the college stuff where I can really trace the things I'm interested in now, though---stories with diverse characters, engrossing characters.
But as an actual, dead-serious aspiring author, what is my first piece? It might be Book the First, which is on this blog, though I had no intention of publishing that thing beyond the blog. But it's the first thing I wrote post-grad with the intention of finishing it and making sure it was book-length, so I suppose we can consider that my first piece as an aspiring writer.
It's collecting digital dust and always will be. The reason I keep Book the First linked under its own Page is that I can really trace my writing abilities the past few years by reading it and then comparing it to anything I've written more recently.
Or can we consider the first incarnation of my fictional Keegan family the first piece I wrote as an aspiring writer? I wrote that first version--a Regency-era romance--with the intention of revising it up to scratch so I could, possibly, submit it. I sent it in to a contest run by a chapter of the Romance Writers of America.
At which I point I realized that while I like reading romance, particularly historical romance, I can't write it. Also, that family had too much backstory to fit into a 250 page manuscript.
Speaking of that family...
PEARL is an off-shoot of the Keegan family stories and she is on Kindle Countdown this week!
Amazon UK
I also want to tell you about a college friend who just published her first novel, Collecting The Constellations. I'm almost finished with this smart, action-mystery-thriller and will be reviewing it and hopefully interviewing the author, Emily Steers, on the blog soon--but I thought I'd ask if anyone out there would be interested in hosting Emily as a guest on your blogs as well. You can check out her Twitter @EmilySteers.


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You are currently browsing the monthly archive for March 2009.
By Buzz Jones, Gettysburg Festival Artistic Director for Jazz
March 26, 2009
Are you a jazz fan? If so, Gettysburg is THE place to be in late June. Our artist lineup is almost complete for the 2009 festival.
Of special note is the concert by legendary Ahmad Jamal and his quartet on June 27 at the Majestic Theater. I thought it was particularly appropriate to invite Mr. Jamal to perform here since he is a Pennsylvania native. Born in Pittsburgh in 1930, he is recognized as one of the most creative and influential pianists of the past two generations. Miles Davis, Jack DeJohnette, and Keith Jarrett all cite Ahmad as a major influence on their playing. Clint Eastwood used two selections from the seminal 1958 album But Not For Me in his film The Bridges of Madison County. My favorite recording of Ahmad is on bassist Ray Brown's 1995 CD Some of My Best Friends Are … Piano Players. Listen to what he does with W.C. Handy's Saint Louis Blues… unbelievable!
Don't miss the chance to hear one of the most revered improvisors in jazz history. More later on some of other featured artists and the Mason-Dixon Jazz Camp.


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Squirrelville Cabin
We live on the top of the property separated by a mature aspen grove, an easy walk from both cabins. Cabins are both in Ponderosa Forest. Our property is along side the FS rd. portion of an over 50 mile trail system that winds through the Warner Mountains (where we live) and into N CA.
- Check in: After 3PM
- Check out: Before 11AM
- Cancellation policy: Moderate
- On arrival: Meet and greet
- Minimum nights: 2
- Accepts bookings: 6 months out
- Response time: Within 24 hours
- Response rate: 100%
Offered on the Host's property or nearby.
Natural features you'll find at Squirrelville Cabin in Oregon.
The vibe at Squirrelville Cabin
Places to see near Squirrelville Cabin
If you stayed here and have some insider info for us, let us know!
Squirrellville cabin is a dream come true! I want so bad to live in Oregon now! Our hosts were the kindest sweetest couple and had the cabin all ready with towels and chocolates and the heater all warm. It's in the most beautiful place I've ever seen. The sunset was like none other and there's just acres and acres of land with no one else. The cabin is so cozy and comforting and it has beautiful antique stove and fridge. Also our host cam has his own music that you can play that feels and is Oregon. I loved loved loved this place. It was refreshing for the soul. Just what I needed.
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Phewpine RanchPhewpine Ranch
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Various material formats have long been offered; the IoT has made it, so content is linked to our lives in brand name brand-new methods. When users speak, Siri reacts with call-and-response material anywhere and whenever they require it.
Numerous companies currently utilize Alexa to share material with their audience beyond a laptop computer, tablet, or cellular phone screen.
The American Heart Association utilizes Alexa to supply information about carrying out CPR, consisting of specific details on how to carry out the procedure in an emergency scenario. This material is more decorated with info about cautioning indications of a stroke and cardiac arrest.
With IoT, a lot of material is ending up being digital. Beacon-based distance marketing, sensing units, gadget pairing, and other functions introduce the chance for online marketers to buy unlimited kinds of content interaction. This kind of extremely targeted material can assist you to reach your audience at the ideal location and at the correct time.
It isn't precisely the time to compose the obituary for per-recorded video, yet it is being eclipsed by live video. Inning accordance with Buffer, 80 percent of marketing participants to a 2016 study wishes to develop more video material, with 42 percent defining live video as their choice.
According to Facebook, users invest three times more time enjoying live videos than videos that are pre-recorded. It provides modern-day marketing professionals with a special possibility to hop on the live video bandwagon before rivals. Business insurance cover quotes can be easily accessed online.
If you take a look at how the material has altered over the past years, you'll observe that it has developed beyond its initial "container" of owned media.
As social networks broaden, along with the methods we communicate with and engage audiences, the lines in between owned, made, and paid start to blur so that they're practically indiscernible from one another. The material cannot be restricted to these silos. Car and home insurance packages are vital.
With the whole purchaser's journey in mind, the content shifts to handle the kind of all three techniques. That highlights the value of each type working effortlessly together to support a business's development technique. That suggests you need to change your internal and external groups to deal with content advancement, implementation.
Ask a marketing expert about the efficiency of material marketing, and possibilities are she or he will have the ability to identify what makes the cogs turn efficiently. That's since business is ending up being laser-focused on establishing thoughtful material marketing techniques. In 2015, just 32 percent of online marketers had a recorded material marketing technique.
Our forecast for 2018, then, is that establishing a reliable, effective method will be a task expectation. To stay competitive in the approaching year, what techniques will you consist?
You might wish to think about the more targeted material, broadened material, more effective material development, or other aspects that will assist you to promote higher development. View the corporate av solutions in South Africa, that are popular.


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Please check this thread as a guide to pick the right controller for you & FL:
http://forum.image-line.com/viewtopic.p ... 14&t=88824
Basic Keyboards, Pad-controllers & any other controller without a specific support option should be used with the (generic controller) setting.
Making Permanent Links
The link system used in this tutorial is persistent across FL Studio sessions. These links will always be available when:
1. The target interface is focused (click on it).
2. No local links exist for the hardware control
To save links that are project specific and take precedence over the above follow the same procedure as shown above but substitute the 'Override generic links' option with the 'Link to controllers' option. These links will work even when the target interface is not focused AND load/save on a per-project basis.
MIDI Diagnosis & Trouble Shooting
This is a great tool if you need to monitor your MIDI devices. If FL isn't seeing your MIDI devices, if they work strangely, you should first check that they work fine in MIDI OX. If they don't, the problem is most likely not related to FL itself.
(generic controller)
MIDI Controllers FL Studio officially support
Return to "MIDI Controller Reference List"
1 post • Page 1 of 1
[You can only see part of this thread as you are not logged in to the forums]
- Site Admin
- Wed Jun 20, 2007 1:38 pm
1 post • Page 1 of 1


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Today's Scripture: Then he said, I pray thee therefore, father, that thou wouldest send him to my father's house:For I have five brethren; that he may testify unto them, lest they also come into this place of torment. Luke 16:27-28
If you are not familiar with the story of the rich man and Lazarus, be sure to read Luke 16:19-31. We will be focusing on just one small detail of the story today. The rich man begged Abraham to raise Lazarus back from dead and send him to the rich man's family. The rich man had lost all hope of his torment ever ending, and his only desire was for his loved ones to not experience what he was experiencing.
Lazarus did not go to his family. That was the job for those who were alive. The same thing applies today. We have the job to preach the gospel to the entire world. God could send people back from the dead to do our job, but He won't. We must do it.
God has commanded us to witness, the saints that have come before us are cheering for us to witness (Heb. 12:1), and the dead without Christ are begging us to witness. Will you do what everyone who has ever died wishes that you will do? God told us to give the Gospel; there should be no discussion after that, but we are also being pleaded to share our faith. Are you ashamed of the Gospel of Christ? You ought not be! It is the power unto salvation, but they won't hear the message if we don't tell it.
Devotional by Pastor Jim Scudder Jr.


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Friday, October 6, 2017
KJVRVG App for iPhone & Android
I really like the new KJVRVG app for iPhone and Android. First of all, it has the entire New Testament read by Brother Domonique Davis who is a member of our church. It has very high sound quality as it was recorded in a studio. Sometimes when Brother Domonique is reading the scriptures, he yells and really gets into it, which is great.
I'm personally a strong believer in listening to the audio Bible. Obviously, we should also pick up a physical Bible and read it, but personally, I learn a lot more through listening. Some people are visual learners and other people are more auditory learners, and that's me. I grew up listening to Alexander Scourby reading the Bible on cassette, so those recordings will always have a special place in my heart. Honestly though, listening to Domonique's rendition is even better.
Just to have the audio New Testament read by Domonique Davis at your fingertips would be reason enough to love this app, but there are a lot of other cool features. The entire New Testament in Spanish is also included. Hundreds of hours went into making these recordings, and we get to enjoy the app for free. I especially enjoy listening to the Greek New Testament. It is the Textus Receptus read by a native Greek speaker. French, Hindi, and Portuguese are other languages you can hear the N.T. being read in on the app.
One of the best things about the app is that it includes the plan of salvation in many different languages. After you win someone to the Lord, you can help them download the KJVRVG app, so that they can start listening to the New Testament right away and growing in the Lord. If the person is a Navajo speaker, they are likely to appreciate the fact that the app features music in their native language.
Our Navajo hymn collection along with all of the other hymn recordings put out by our church are all right there in the app. Verity Baptist Church recently recorded a Spanish hymn CD, which is also included.
A lot of work has been put into this project, and from what I hear, they are going to add even more resources. I am looking forward to future updates, but the app is already awesome. Collin Schneide and company did a great job creating this new app.
Download it now and take advantage of this quality resource. Don't forget to help them out by giving the app a 5 star review.
Here is the website for the application
Posted by sanderson1611 at 10:23 AM
2 comments:
- Tony M said...
I downloaded the app but I seemed to be unable to use it when I was in a location with no wifi. Brother Davis' reading was awesome. I just has a question as to whether or not he meant to say "widowses" houses in his reading in Matthew 23. Hear it here at 1:38 https://www.youtube.com/watch?v=8mb1XsfsqkU
- October 13, 2017 at 1:37 PM
- Unknown said...
The style of blog presentation is very attractive. This is very interesting post.I am really thankful to you for providing this unique information regarding this sites. app development in USA
- November 21, 2018 at 9:46 PM
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essays on the godfather
Free Essays, Term Papers, Research Papers for School, College Papers, Book Reports Arthur Herman s The Cave and the Light: Plato Versus Aristotle, and the Struggle for the Soul of Western Civilization is an illuminating and thought baby boomer generation: stories, pictures, trivia, music, books, news events, song lyrics, a customized time capsule report, and memories of the baby boomer. The Godfather (1972) Trivia on IMDb: Cameos, Mistakes, Spoilers and more a short summary of s the godfather trilogy. The Subjection of Women by John Stuart Mill 1869 CHAPTER 1 this free synopsis covers all the crucial plot points of the godfather trilogy. The object of this Essay is to explain as clearly as I am able grounds of an opinion which I have held in the case of the princely courts of the renaissance, commissions promoted not simply the ruler but the prestige of the city. personal statement, admission essay, application essay patronage was a tool of rulership and. We offer custom writing and editing services to assist in developing your personal statement for college free corruption papers, essays, and research papers. Luke Howard -- The Godfather of Clouds From Luke Howard s Sketch Book The story of Luke Howard, a very special person who loved and named clouds these results are sorted by most relevant first (ranked search). Free drugs papers, essays, and research papers you may also sort these by color rating or. These results are sorted by most relevant first (ranked search) corleone (italian pronunciation: [korleˈoːne]) (sicilian: cunigghiuni [needs sicilian ipa] or curliuni [needs sicilian ipa]) is an italian town and comune of. You may also sort these by color rating or essay no. The Dark Enlightenment – Part 1 The Dark Enlightenment – Part 2 The Dark Enlightenment – Part 3 The Dark Enlightenment – Part 4 The Dark Enlightenment – Part 4a Logo du film Le Parrain (The Godfather en VO) Données clés Titre original The Godfather Réalisation Francis Ford Coppola Scénario Francis Ford Coppola Mario Puzo books: authors: 01 my experiments with truth mahatma m. We provide excellent essay writing service 24/7 k. Enjoy proficient essay writing and custom writing services provided by professional academic writers gandhi 02 far from the madding crowd thomas hardy 03 the godfather, part iii continues the corleone family history in 1979, as the sins of the parents are visited upon the children. 33 Responses to "How to Pick a President" Cindy October 21, 2008 at 10:20 am despite every attempt to go legit. Permalink popularly viewed as one of the best american films ever made, the multi-generational crime saga the godfather is a touchstone of cinema: one of the most widely. Excellent article…but a couple of things 'bother' me trashy signs, slogans and jokes - funny sayings, taglines, one-liners and office mottos. Baby Boomer Generation: Stories, pictures, trivia, music, books, news events, song lyrics, a customized Time Capsule Report, and memories of the baby boomer


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Happy March guys!
I suck at consistency. This is definitely something I need to recovery from. 😀
I miss you guys. I've been super busy running a publishing company though…so there's that.
Anywho. My current mood had allowed me to come up with a little message for those who feel stuck in life.
MOVE! You are not a tree.
Okay. So I didn't actually come up with this. It's heavily quoted online. How revolutionary is it though. You actually are not a tree. Which means you can move.
Granted. Some moves are easier than others. Some situations require a little more tact and finesse than just getting up and leaving. The move I am referring to is not literally. First and foremost…you have to move your mind.
I tested this theory during a recent workout. As a part of my physical recovery, I have set a goal to lose 60 pounds this year. One area that I really despise is my flabs…I mean arms. This particular workout involved a lot of arm movements. Of course, I began to get tired and wanted to put my arms down. That's when mission-oriented Cash chimed in.
"Girl..how are you going to put your arms down when that's ALL you been complaining about?"
But I'm tired!
"…So what?"
…But…I'm tired.
"Alright…well keep the flabs then."
…Point made.
She had to talk me through the rest of that workout. The end result was victory. Burning flabs and all. This is just an example, but in any situation, we must remind ourselves of our goals and our purpose. There is no victory in quitting and no recovery in defeat.
I had to make up in my mind that my desire to have toned arms is more important than my desire for present comfort. Temporary things no longer satisfy me, because my mind has out grown it. There is a reason people who have recovered from something say that you have to make up your mind first. That's what works. No way around it.
You may not be able to physically move on from a situation yet, but start moving your mind. I promise you God will do the rest.
Some of you may be thinking, "Okay…but how do I even do that?"
Start paying attention to what you feed on. Clean up your social media feed. Listen to motivational podcasts instead of music for an hour or two a day. Read the Bible or another personal development book. Get around people who speak positivity into your life. Change what you watch. Be more proactive. These are just a few ways to begin to change your mindset and move.
I'd love to hear from you guys. What have you recovered from that started with a mental change? Share your thoughts. Let's discuss!
Happy recovering, loves!
Ps. thanks to Jasmine @ Queen Sized for the nature shot! Check out her blog.


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any one birthday today......
any one birthday today......
happy birthday
have a nice day
happy birthday dear..
Hi James happy birth day to you. Enjoy your day happily friend . Life is beautiful.
Hi James this day is very important for every peoples life.
many many happy returns of the day
hello friends Today is My Birthday And I want Share With You....
Thanks for the birthday information,i will wish you when it comes.until then keep smile.
happy b'day
janam din ki lakh lakh badhayi ho tumko.
tum ho paas mere saath mere tum ho
I am so much happy for you happy birthday.
many many more return of the day.


text:
Contemporary Romance
Operation Valentine (Operation Romance Book 2)
by Elizabeth Maddrey
Once love is lost, can it be found?
When Annabelle Elliot returned his engagement ring six years ago, Rick Wentworth buried his broken heart in his job at Intelligence Associates, Inc. Returning from his overseas assignment, a newly awarded contract forces him into daily contact with her.
Working with Rick is a constant reminder of what Annabelle gave up when she let herself be persuaded to focus on a career instead of love. Now, she admits she made a mistake, but reconciliation seems impossible.
Can Annabelle find the courage to let Rick see her heart? And if she does, will he forgive her?
(Novella length)
U.S. Deal price: $2.99 (U.S. regular price: $2.99)
This book may be available at other retailers, just not at today's deal price.
Romantic Suspense
Hero Next Door (Covenant Security Book 2)
by Rachel Meyers
Jimmy Wright thought he'd said goodbye to love, focusing on working at the newly formed Covenant protection agency, but when he comes to the rescue of his pretty neighbour and her son he realises that he may need to choose between protecting them and protecting his heart.
Lisa Parker has spent the past six years looking over her shoulder, living under an assumed name and in fear for her life. When her past emerges, putting her and her son in danger, can she learn to trust Jimmy with the truth about her history as well as her chance at a future?
(Novel length)
U.S. Deal price: FREE (U.S. regular price: $2.99)
This book may be available at other retailers, just not at today's deal price.


text:
Every competitive season of Overwatch has had the same rewards system from the start. Players are rewarded with a seasonal Spray and Player Icon to mark their participation. Given that no changes to the reward system have been announced, we're going to assume that this is the case for Season 10 as well if you want to know when the new season 11 starts & ends check our topic. To qualify for rewards, we have a few important things to note here:
- You need to complete your 10 Placement Matches in order to qualify for these rewards.
- The rewards will be added to your account at the end of the season in question - not after completing your placements.
- Only those players who hit the Top 500 in any given season have previously qualified for the special animated Spray. Expect the same limitation this time around.
Overwatch Season 13 Rewards
Overwatch Season 11 Rewards
Overwatch Season 10 Rewards
Overwatch Season 9 Rewards
Overwatch Season 8 Rewards
Overwatch Season 7 Competitive Points
As you win or draw matches during each season, you'll acquire a currency known as Competitive Points. You'll also receive a bonus chunk of points based on your final ranking position at the end of the season. Here's a quick rundown of how many points you'll receive.
Season Rank Points Reward (CP)
- Bronze 1-1499 65
- Silver 1500-1999 125
- Gold 2000-2499 250
- Platinum 2500-2999 500
- Diamond 3000-3499 750
- Master 3500-3999 1250
- Grandmaster 4000-5000 1750
Prior to Season 6, end-of-season Competitive Points were rewarded as follows:
- Bronze: 100 CP
- Silver: 200 CP
- Gold: 400 CP
- Platinum: 800 CP
- Diamond: 1200 CP
- Master: 2000 CP
- Grandmaster: 3000 CP
Overwatch Season 7 Golden Guns
If you've managed to gather enough of Competitive Points, you can unlock a special golden gun for your favourite hero. You will need 3000 CP for a single unlock, so choose carefully because most of the players won't be able to unlock more than one gun.
Player Icon Season Rewards
The Overwatch Player Icon Season Rewards are earned by players who are ranked in competitive play. This will be an exclusive cosmetic for players who play and earn a specific rank on the competitive play. Icons are used to customize your profile, usually reflecting your favourite characters or blizzard games. Most of which will be promotions from other games. The Player Icon Season Rewards will be visually different depending on the rank earned at the end of the season.
Here's what some of them look like.
These cosmetics are exclusive and limited edition Player Icon Season Rewards. Icons like these are only obtainable through Overwatch Season Rewards. It will make your Icon a rarity among over 200+ that are currently available. It will be visible to other players who view your account profile.
Spray Season Rewards
The Overwatch Spray Season Rewards are earned by players who are ranked in competitive play. This will be an exclusive cosmetic for players who play and earn a specific rank on the competitive play. Sprays allow players to leave their mark on the battlefield. These graffiti like tags come in a huge variety, most of which are hero specific. Some are limited to holiday season and other type of promotions by Blizzard.
Here's what some of them look like.


text:
Where to Buy Holmium-doped Gain Media
The most common holmium-doped medium is Hm3+:YAG for emission at wavelengths around 2.1 μm. It is mostly used in some medical lasers.
|Related encyclopedia article: laser crystals
Related products: laser gain media, rare-earth-doped gain media
8 suppliers for holmium-doped gain media are listed in the RP Photonics Buyer's Guide. Both manufacturers and distributors can be registered.
|Suppliers with Ad Package
No products of suppliers with ad package are registered yet for holmium-doped gain media. These would have a company logo, a detailed product description, a product image.
|All Suppliers
|From your country:
Electro-Optics Technology, Inc.
3340 Parkland Ct.
Traverse City, MI 49686
United States
Tel.: +1 231 935 4044
Fax: +1 231 935 4046
P. O. Box 2032
Mountain View, CA 94042
United States
Tel.: +1 888 309 5061
Fax: +1 650 618 2057
31948 E. Frontage Rd.
Bozeman, MT 59715
United States
Tel.: +1 406 585 3772
Fax: +1 406 585 8606
|From America:
2700, Jean-Perrin, Suite 121
Quebec G2C 1S9
Tel.: +1 418 845 2466
Fax: +1 418 845 2609
|Outside America:
Electronic Information Industrial Park
Xianshan East Road
Chengyang District
Qingdao, 266107
Tel.: +86 532 6673 1506
Fax: +86 532 6673 1500
Struthstr. 2
55743 Idar-Oberstein
Tel.: +49 6781 2 11 91
Fax: +49 6781 7 03 53
Parc D'Activite Wilson
Bât A1
69150 Decines Charpieu
Tel.: +33 428 27 00 75
Fax: +33 426 68 98 74
Albert-Einstein-Str. 18
86899 Landsberg am Lech
Tel.: +49 8191 9 85 19 90
Fax: +49 8191 98 51 99 99
Click on a company entry to mark it.
Product entries of suppliers having an ad package are displayed with a logo, product description and product image.
Users: if any displayed information is incorrect (e.g., a listed supplier does not offer such products) or legally problematic, please notify RP Photonics so that the problem can be solved.
Suppliers: you can report modified data using a form, which is provided via the button "Edit profile data" on your company profile page. You can obtain our ad package for getting a much improved visibility and many more leads. (Tell your marketing people about it!)
If you are a supplier and want to be listed, please use the registration form.
An already registered supplier can use a customized form to report the full list of offered photonics products. That form is reachable with a link at the bottom of the supplier's profile page.
Anyone, not only suppliers themselves, can report additional suppliers. If possible, please provide a web address showing that this supplier indeed offers such products.
If you like this buyer's guide, share it with your friends and colleagues, e.g. via social media:


text:
Are you ready for cold and flu season? I hadn't thought about it yet until I got slammed with a terrible gold last week. Stumbling out of my room and into the bathroom I discovered we were out of decongestants, cough medicine and my favorite throat lozenges. Ugh, not the way to start a Monday morning. To help me keep track of what I have and what I need, I created a medicine cabinet checklist printable.
This post is sponsored by Vicks Humidifiers.
Last week was a doozy. I had the worst cold I've had in a long time, in fact it's day 8 and I am still not 100%.The worst part was the pressure in my head, my sinuses were so bad my face hurt. I took a hot shower and realized my face didn't hurt for the first time, but as soon as I got out of the shower it was back. That's when I remembered my new Vicks Germ Free Cool Moisture Humidifier. I couldn't open the box fast enough – relief!
Vicks Germ Free Cool Moisture Humidifier
Vicks cool moisture humidifiers are a great way to find comfort when you are sick, especially when you add one of the Vicks VapoPads. In addition to helping you breathe and sleep easier when you are sick, the Vicks Germ Free Cool Moisture Humidifier has patented germ-killing technology to provide assurance that the humidifier emits a virtually germ-free mist.
We've long used Vicks humidifiers in our home, purchasing our first one when our oldest was born more than nine years ago. Now we have one for every bedroom so everyone has their own.
Vicks Germ Free Cool Moisture Humidifier features:
- UV technology kills up to 99.9% of bacteria, mold, fungus and virus in the unit's water
- Self-regulating evaporative system adjusts output for maximum comfort
- Designed for medium-sized rooms
- Large one gallon water tank runs for up to 24 hours per filling
- Quiet operation won't disturb sleep
- Accepts Vicks menthol and Sleepytime VapoPads
- Use with Replacement Filter WF2
Just in time for cold and flu season, the Vicks Germ Free Cool Moisture Humidifier is on rollback at Walmart for $49.86 through January 2018 (normally $59.99).
Medicine Cabinet Checklist Printable
Waking up sick only to discover you don't have anything to relief your symptoms in the house is not fun – take it from me. So I made this medicine cabinet checklist to help me take inventory of my medicine cabinet. The free printable includes space to jot down expiration dates to make sure your medicines are also current.
Get ready before you get sick by stocking your medicine cabinet and running a Vicks Germ Free Cool Moisture Humidifier to cut down on germs.
Download the Medicine Cabinet Checklist Printable here.
Oh and in case you are wondering, today is day eight and I am finally feeling better. Be prepared this cold and flu season and don't get caught off guard like me.
To help you prepare for cold and flu season and check off a couple of items on the check list, I am giving away one Vicks Germ Free Cool Moisture Humidifier plus one family pack of Vicks VapoPads and one Family Pack of Vicks Pediatric VapoPads.
To enter, please use the Rafflecopter below. Giveaway ends November 27, 2017
More Cold and Flu
5 Must Haves To Battle Cold And Flu Season
This is a sponsored conversation written by me on behalf of Vicks Humidifiers. The opinions and text are all mine.


text:
By Kyung Sik Woo, Young Kwan Sohn, Seok Hoon Yoon, Ung San Ahn, Andy Spate
This ebook bargains with geological in addition to cultural, old, archaeological and organic points in Jeju worldwide Geopark. it is going to commence with advent of Jeju worldwide Geopark, geographic atmosphere, habitats, historical past, economic climate and tourism, administration, normal geology and geosites, destiny geosites, different major background websites, economically sustainable tourism, schooling and advertising and administration plan.
Read or Download Jeju Island Geopark - A Volcanic Wonder of Korea (Geoheritage, Geoparks and Geotourism) PDF
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Example text
According to the monk, this herb grows atop rocks or on a steep mountain slope. The next day, Suweol and Nokgo needled their way through the hill along the seashore. Looking carefully, they finally found the herb. 'Ogalpi' was stuck on the middle of the cliff. Without fear, and with enthusiasm, they climbed down the cliff in pursuit. Suweol stepped down holding Nokgo's hand and picked the herb. When she handed it over to Nokgo, Suweol was too excited and lost her balance. Nokgo, too, full of joy, couldn't hold his grip on her hand And Suweol fell down the side of the steep cliff.
73). As the surge becomes diluted downcurrent through fallout of suspended loads and mixing of ambient air, it becomes turbulent and segregated into coarse-grained bedload and overlying fine-grained suspension, forming thinly stratified units with diverse bedforms. Further downcurrent, the surge may be either cooled and deflated or pushed up into the air, depending on its temperature. The above model for the deposition from pyroclastic surge is the first depositional model of pyroclastic surge based on sedimentological study of pyroclastic surge deposits.
3 Historical Heritage: Daepoyeondae (Jeju Province Monument No. 23-12) Before the introduction of more advanced communication systems, a series of beacons, known as Yeondae, was set up on a number of hills near the ocean. A system borrowed from ancient times, Yeondae was strategically set in open coastal locations to aid in observing approaching enemy ships and Fig. 48 A restored beacon mound (Yeondae) near Daepodong, Seowipo city Fig. 4 Biological Heritage: Warm-temperate Forests near Cheonjeyeon Waterfalls (Natural Monument No.


text:
"They died by the thousands but over the years the Sri Lankan soldier turned out to be more than a match for the well equipped guerrillas of Pirapaharan. It is indeed ironic that some of these intellectuals who 20 years ago were advising Tamil militants that they had to 'pick up guns' to fight for self determination are now in full praise of these 'buth packet' soldiers. The 'buth packet' soldiers ultimately turned out to be the real war heroes and none can deny that."
This is a land packed with patriots and heroes. On a crowded Pettah pavement you can't help avoiding bumping into a patriot or stepping on the toes of a war hero after every step you take. Patriots are easily recognisable thanks to the definition of President Mahinda Rajapakse: 'Patriots are those who are with us (on Mahinda Rajapakse's side) others are not.'
The mood in this 'Resplendent Isle' right now is that if you are not a patriot, you are a traitor. This would, you would agree, place quite a proportion of the populace in a quandary because close to 50 percent of the country did not vote for Rajapakse last time. However, the thinking of those well placed and well heeled now sitting in judgement on patriots and traitors is that the 'Superlative Victory' (Vijayagrahanaya) would have eliminated all those doubting Thomas' and that 'all are on our side.'
Perils of heroism
In finding heroes we are confronted with much more difficulties. Of course the greatest of them have been found, worshipped, adulated and blessed an infinite number of times much more than heroes of previous times. We do agree that most of them deserve the rapturous cries accorded, the highest ever honours accorded et cetera, et cetera, et cetera.
But we feel that a warning should be sounded on syrupy sycophancy. The hyperbolic references, the great sacrifices made etc. should be taken with a pinch of salt. Worshippers at the altars of gods or heroes often expect rewards — divine or mundane. This is a peril of heroism which our newly proclaimed heroes should be wary of.
Heroes, it should be realised, live in the hearts and minds of the people and their golden memories are passed down in memory from generation to generation. Those of the past were not felicitated in cardboard cut-outs or posters that defiled neighbourhoods.
No heroes of the past?
A notable feature in the victory celebrations of this 30-year-war we noticed was the failure to remember the heroes of the past 28 years or so. There may have been brief references made to them but surely they should be better remembered? What of those like Gen. Denzil Kobbekaduwa and Vijaya Wimalaratne who died on the battlefield? It is no exaggeration to say that the nation wept for days on the death of Kobbekaduwa who was admired by even his enemies.
There are others like Gen. Cecil Waidyaratne who rid the country of the JVP menace that threatened the nation even more that the LTTE and also cleared the Eastern Province along with Maj. Gen Lucky Algama.
There was Gen. Janaka Perera, one of the most successful military commanders against the LTTE. It was he with Gen. Sarath Fonseka who held the Jaffna peninsula when the LTTE broke through Elephant Pass and was threatening to run through the Jaffna peninsula where an estimated 45,000 soldiers were trapped.
This is not the occasion to recall all those war heroes, most of whom perished on land, air and sea. But they too are war heroes who cannot be forgotten. Certainly during the last two years the armed forces made tremendous progress and accomplished what could not have been made in all those years due to various extraneous conditions.
Old school ties
But the Kobbekaduwas, Wimalaratnes, Waidyaratnes, Algamas Janaka Pereras and many others were war heroes who cannot be confined to the limbo of history. They need no cardboard images or propaganda posters; they live in the hearts and minds of the freedom loving people of Sri Lanka.
Remembrance of war heroes have now gone down to schools. Schools have now commenced 'felicitating' their war heroes in earnest.
A notable thing about Sri Lankan schools is that most boys do not grow out of school. In reality though they have left school long years ago, their thoughts keep going back to their old school. To some their old school is the 'centre of their universe' and they will do 'anything' for their school. It must be said that this fanatical devotion is confined to boys' schools and not seen even in the more sophisticated Colombo girls' schools.
The real heroes
It is said that this old school loyalty is a thing that the British left with us but it is not as strong in Britain today as it is here. Now this old school loyalty is filtering down to village schools — for better or worse.
Schools remembering their war dead and living heroes is to be appreciated but let us remember that amidst all these remembrance ceremonies we tend to forget in my opinion — the real war heroes who won the war, the poor village boys and boys from the urban slums who lost their limbs, became living zombies or perished in the dust, sand or mud of the north and east. Whether they were equipped with required arms, sufficiently trained and motivated particularly in the early years of the conflict have been debated often.
These were boys who were ridiculed by Colombo's elite intellectuals and typewriter strategists as warriors fighting for their 'buth packet'. Yes, the poor boys joined the forces for a meagre salary to be enjoyed not by themselves but to send their salaries home for their humble parents to live on. These 'mercenaries' it was said were no match for the highly motivated guerrillas fighting for a 'just cause.'
They died by the thousands but over the years the Sri Lankan soldier turned out to be more than a match for the well equipped guerrillas of Pirapaharan. It is indeed ironic that some of these intellectuals who 20 years ago were advising Tamil militants that they had to 'pick up guns' to fight for self determination are now in full praise of these 'buth packet' soldiers. The 'buth packet' soldiers ultimately turned out to be the real war heroes and none can deny that.
Napoleon Bonaparte who knew war perhaps as no other, is on record saying: 'A soldier is he whose blood makes the glory of generals.' It is indeed satisfying for this columnist to recall that we placed our faith in these poor soldiers in the early years of the conflict in another newspaper many a time (in a column also titled Serendipity) when most others were ridiculing today's heroes.
The lines of Thomas Grey written in praise of humble English peasantry comes to our mind as we think of the thousands of poor rural and urban youth from the army, navy, air force and the police (over 600 policemen slaughtered in one go in cold blood) now lying in unknown graves in the jungles of the east.
Here rests his head upon the lap of earth
A youth to fortune and fame unknown
Fair science frowned not on his humble birth
And melancholy marked him for his own
Large was his bounty and his soul sincere
Heaven did recompense as largely sent:
He gave to memory all he had, a tear,
He gained from heaven (it was all he wished) a friend.
(Sri Lanka Guardian)


text:
Apply and Enroll
Apply Now
To register for any of our certificate and diploma programmes, visit our centre in Luzira. Plot No. 828/829 Sentamu – Jagenda Road, along Port Bell Road, opposite the first Total Petrol Station for application forms.
Duly filled out forms are to be returned before the beginning of the session.
Why we are different
LGIHE is a conducive, learning environment where students are helped to rediscover their inherent dignity and unlock their full potential through a continual accompaniment in their educational path towards self-awareness.
The institute's educational approach, informed by innovative research initiatives that address fundamental educational challenges, ignite a dynamic change within the learner/student thus fostering career growth and development thanks to the participatory teaching methods, action research practices, individual follow ups and continual curricula revision.


text:
Fire danger ratings and total fire bans are declared by the Country Fire Authority (CFA).
Find out more about fire danger ratings and total fire bans
In This Section
Victorian Seniors Week (6-13 October 2019) will see communities across Victoria come together to celebrate their older residents.
Council has put together a calendar of all events in the shire during Victorian Seniors Festival 2019.
View the full calendar of local Seniors Week events(PDF, 327KB)
To help ensure a local program of fun and frolicking events and activities, Council offered Positive Ageing grants of up to $200 to community groups and organisations. Well done to the recipients and all the best for your upcoming events:
For more information:
Coordinator Community Health and Development
5261 0600
Surf Coast Shire Council
1 Merrijig Drive (PO Box 350)
Torquay Victoria Australia 3228
03 5261 0600


text:
I don't really blame Jakob Poeltl for getting manhandled by Al Jefferson tonight. He'd probably never seen, much less defended against, a player with actual savvy post-moves. Maybe in practice Jonas Valanciunas tried that slow-ass jumper pumpfake on him, but that's child's play compared to what Jefferson was busting out against him. Jefferson is the…Read More
Tag: Al Jefferson
Al Jefferson 19 Points/2 Dunks Full Highlights (11/8/2017)
Al Jefferson had one of those depressing old-man offseasons where he put in a lot of work and radically changed his diet just so he could stay semi-viable in the NBA. It was the difference between doing nothing, coming into the season a fatty, and being inactive the entire year, or doing a whole lot…Read More
Al Jefferson 20 Points Full Highlights (1/18/2017)
The "Al Jefferson" type of center has fallen totally out of favor in the modern NBA, and that makes me a little sad. Like, people are dissing Jahlil Okafor hard right now, saying he's nothing but another Al Jefferson, the implication being that he's garbage and worthless and awful, and I'm like "guys Big All…Read More
Al Jefferson 25 Points Full Highlights (4/20/2016)
New plan for the Hornets in game 3: just throw the ball to Al Jefferson in the post and see how many times he can make Hassan Whiteside his bitch before Whiteside freaks out and gets ejected for punching his smug face. Once Whiteside is out of the way, it should be smooth sailing and…Read More
Al Jefferson 24 Points Full Highlights (4/6/2016)
OFFICIAL DTB POST-CAREER PREDICTIONS: AL JEFFERSON EDITION I predict that after retiring from the NBA, Al Jefferson will star in a Food Network show called "Big Al's Big BBQ Journey" where he drives around the American south in a ratty old RV and eats at any little independent BBQ restaurants he can find. Each episode…Read More
Al Jefferson 21 Points Full Highlights (3/17/2016)
I will admit that sometimes I am swayed by the FGA stat more than I maybe should be. Al Jefferson scoring 21 points is not exactly a breakout performance for him, but he made ten shots! That tied two other players for most field goals made in a game last night. And, you know, the…Read More
Al Jefferson 19 Points Full Highlights (3/1/2016)
It seems like just yesterday that I was reading fawning articles about Al Jefferson revitalizing the Charlotte Bobcats franchise and leading them to the playoffs. Now, I feel like even Charlotte fans forget that he's on their team sometimes (except for his contract LOL). The team has moved on from him. Kemba Walker is the…Read More
Al Jefferson 31 Points Full Highlights (11/5/2015)
If there's one thing that Al Jefferson's performance tonight has taught us, it's that Dirk Nowitzki absolutely cannot guard anything anymore. Neither can Zaza Pachulia. I mean, we mostly knew that before about Dirk, but there was always the possibility that he would still be able to defend passably in one-on-one post-up situations. That possibility…Read More
Al Jefferson 31 Points Full Highlights (3/27/2015)
Al Jefferson could be said to suffer "Nikola Vucevic" syndrome. Actually, considering their respective ages, it's probably the other way around. Nikola Vucevic suffers from "Al Jefferson" syndrome. This syndrome is characterized by being a master in the post and in the midrange area, but also being unable to draw free throws, shoot threes, or…Read More
Al Jefferson 28 Points Full Highlights (12/17/2014)
Well, it happened again. I wasn't watching this game, but I was keeping tabs on it, and when I saw that Big Al had eighteen points in the first quarter, I started entering the hype zone. My friends, you do not want to enter the hype zone without first taking the proper precautions. And you…Read More