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USSA Mourns Loss of Ski Racing Pioneer
PARK CITY, UT (May 28) --The USSA is saddened to learn of the death of U.S. skiing leader Warren Witherell. Warren died Monday, May 26th surrounded by family and friends at his home in Cornwall, VT. He was 79.
Warren was a legend in ski racing. Raised in Albany, NY, he was first drawn to Burke Mountain in Vermont to run the seasonal ski racing club. He subsequently founded Burke Mt. Academy, the United State's original ski racing academy, in 1970. He remained headmaster until 1984. Designed to prepare American racers for competition against the Europeans, Burke Academy quickly led the way for American ski academies under Warren's vision and leadership, producing four members of the 1976 Olympic team. Burke has produced an astounding 130 U.S. Ski Team members and 29 Olympians since its inception
"Warren's launch and the subsequent growth of Burke Mountain Academy influenced the development of ski clubs and academies throughout the country," said USSA President and CEO Tiger Shaw. " He set the bar for a commitment to athletics and academics and producing some of our best athletes while achieving high academic success."
Equally talented on snow and water, Warren had many waterskiing firsts, setting records and winning several national and international championship titles including world trick waterskiing at age 18. An accomplished waterski jumper and slalom skier, Warren was inducted into the USA Waterskiing Hall of Fame in 1984. Sharing his knowledge, Warren wrote two books, "The Athletic Skier" (1993) and "How Racers Ski" (1980) which is the largest selling ski book in history. Warren was an alpine coach for 55 years and was always willing to share lessons and ideas from the Burke Mt. Academcy. He was inducted into the U.S. Ski Hall of Fame in 1998.
"For three decades Warren influenced many ski racers and coaches and impacted hundreds of lives and careers," said Shaw. "U.S. skiing has lost a thoughtful leader that produced World and Olympic Champions. He will be sorely missed."

subset: commoncrawl


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After Osama bin Laden was killed last May, reports emerged that months earlier, the Central Intelligence Agency had held a vaccination drive in an attempt to collect DNA from his relatives and help confirm his whereabouts in Abbottabad, where he was thought to be hiding. The CIA would not confirm or deny the reports, but officials at the World Health Organization and UNICEF were concerned. Rumors could be just as damaging as actual CIA involvement, sowing mistrust of immunization efforts in Pakistan, where polio is endemic and some 150,000 children die annually of vaccine-preventable diseases.
According to The New York Times and The Washington Post, an anonymous U.S. official alleged the CIA recruited a Pakistani doctor to offer free hepatitis B shots. By comparing DNA samples gathered during the drive with those from Bin Laden's deceased sister, they hoped to confirm whether the family was nearby. The Times reported the tactic failed to collect their DNA. Dennis King, who heads UNICEF's polio eradication unit in Pakistan, says that in September a handful of parents refused vaccines for their children after hearing of the scheme, but the impact appears relatively small. Far more parents, King says, refuse out of safety concerns and suspicions about effectiveness.
Discover Magazine


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HOUSTON - Two Houston teachers are facing drug-related charges.
Percy Melton, 40, was arrested Tuesday after a traffic stop on Interstate 10 between Vinton and Sulpher, La. That's about 30 miles from the Texas border. Investigators said when Melton began to act suspiciously during the traffic stop, they asked for permission to search the car and she refused.
A drug dog was brought in and was alerted to the odor of the drugs in the car's trunk, officials said. The 53 pounds of drugs were found wrapped in cellophane and trash bags inside a duffel bag, investigators said. Detectives said the marijuana has a street value of more than $120,000.
Melton was arrested and booked into the Calcasieu Correctional Center and charged with possession of marijuana with intent to distribute.
Melton is a science teacher at Elsik High School, 12601 High Star, in the Alief Independent School District.
School officials said they have not received any official confirmation that Melton was arrested in Louisiana. They said upon confirmation, Melton will be placed on administrative leave.
Another Alief ISD teacher, 34-year-old Sirma Frederick, has not been seen for more than a month.
Investigators said a neighbor became concerned in July and police went to check her house. Officers said they found the back door open and 27 pounds of marijuana in a closet.
Frederick teaches at Butewig Intermediate, 12570 Richmond Ave. School administrators said she will be relieved of duty once police find her and arrest her.
The school year begins on Monday for employees.
Copyright 2012 by Click2Houston.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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- four kegs and 317 bottles were seized, which will be kept at "a secured location, as evidence, until the case is resolved, probably in six to eight months." If the beers are found to be unregistered, they will be destroyed (if they're found to be registered, well, they might as well be, after 6-8 months in unrefrigerated storage).
- Leigh Maida estimated the value of the beers at $7,200, and said over half of them were properly registered; beers like Duvel and Monk's Cafe Sour, both of which are sold all over the state (but the name on the list doesn't match the label exactly...which would seem to be the fault of the State).
- "State Police Sgt. William N. La Torre, commanding officer of the Philadelphia office of the Bureau of Liquor Control Enforcement, said that he was not aware of any beers that had been mistakenly confiscated."
- Francesca Chapman, a PLCB spokeswoman, said that the registration requirement helps the state assure payment of state beer taxes and helps prosecutors identify alcoholic beverages in drunk-driving cases or any other type of prosecution. (Because just taxing every beer that comes in isn't enough? Because looking at the label won't do it? If you're not putting the right name of the beer on the "list" to begin with, how much help is it?)
- La Torre said that the investigation was sparked by "a citizen complaint. It doesn't matter where the complaint is coming from," he said. (I would say that if the "citizen complaint" came from the owner or employee of another beer-related business...it does matter.)
The reasons given for brand registration do not hold up. TAX EVERY BEER, and it doesn't matter what beers are brought in. Every retailer, bar or distributor, is required to keep paperwork on where they buy beers -- wholesaler or direct from a self-distributing PA brewery -- so that's your assurance of payment of state beer taxes. Why do you need to identify the alcohol beverage in a DUI, and why isn't the label identification enough? This is the Internet age: Google the damned thing if you need to know (and you won't be able to identify a draft beer anyway, so what's the point?).
Which brings up another question. Is brand registration actually about ensuring that wholesalers are getting every sale they should be from retail accounts, and retailers are not buying from the "wrong" wholesaler? If it is, why is the state in that business? That should be a problem for the wholesaler to bring in civil court; why are we spending tax dollars to proactively enforce that?
Again, this is an issue for the Legislature. Rewrite the Code. Abolish the PLCB.


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Finding a niche
Searching for answers to the eternal question of how to succeed in business can produce some tortured overthinking, but the basic principle is fairly simple: Identify a consumer need and find a way to fill it in an efficient manner to turn a profit. In practice, it is a little more complicated than that, and there are many factors that determine how successful a business might become.
As an example, take Gulf Coast Screw & Supply Co., founded by James McAtee in 1966. A salesman for Premier Fastener Co., McAtee struck out on his own and established a small parts business in his home on Hyde Park in Beaumont. He plied his trade up and down the Gulf Coast serving a variety of industrial customers. His son John joined the family firm, eventually buying the company when James was ready to retire.
It was a good business and in time their focus shifted from screws to hydraulic hoses, air hoses and truck hoses, made to order for a wide range of applications. They also carry a variety of adapters, metric nuts and bolts and electrical parts in addition to certain oils and lubes, but hoses became the core business.
John McAtee said opportunity knocked after Hurricane Rita in 2005 and it has transformed the way Gulf Coast Screw & Supply serves their customers. In the wake of the storm, there was widespread destruction and a lot of hydraulic hoses that needed to be replaced.
"We had a large industrial crane that needed 63 different hoses," recalled McAtee. He realized that instead of removing each hose and taking it back to the shop to fabricate a replacement, it made more sense to bring the equipment to the site and do the job there. A new business model emerged, born out of necessity. Now Gulf Coast Screw & Supply comes to the customer, a fully stocked mobile warehouse in a step-van with hydraulics for marine and heavy equipment operators, contractors and 18-wheelers.
Joey Nors is a skilled operator who stocks the mobile warehouse, drives it to the location and expertly crafts the required hoses. This method greatly enhances efficiency and reduces downtime.
When a backhoe deep in the forest clearing a path for the Keystone XL pipeline sustained damage, the mobile unit went to the scene and got it up and running in a matter of hours, not days.
Oil refineries and chemical plants utilize many hundreds of hoses and fittings. During routine maintenance or a planned turnaround, the demand of parts can be both voluminous and unpredictable. The Gulf Coast Screw mobile unit can set up shop in a refinery parking lot, putting its assets close at hand without actually entering the plant. This eliminates need for the exhaustive security screening that has become an all-too-familiar part of the post 9-11 world.
Another strategy McAtee has devised is leasing portable hose crimping machines for a dollar a year to entities who can use his products to fabricate their own hoses. He said he has more than 40 such devices in use, greatly expanding the market for the parts he supplies.
Gulf Coast Screw & Supply has found success by identifying a business niche and devising new and innovative ways to meet customers' needs. Their method was not found in any book, but they are writing their own success story every day, one hose at a time.


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By Staff Writer | March 22, 2013
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Finmeccanica subsidiary AgustaWestland has uncovered its "Project Zero" effort, which is tiltrotor a technology demonstrator (TD). The electrically powered aircraft has two integrated rotors that can be tilted more than 90 degrees and long wings, with an appearance that closer resembles a fixed-wing aircraft than a traditional helicopter.
The demonstrator has been flying since June 2011 at AgustaWestland's facility in Cascina Costa, Italy. CEO Daniele Romiti said that AgustaWestland "strongly believes in the tiltrotor concept as the future of high-speed rotorcraft flight as it offers much greater speed and range than compound helicopter technology."Related: Technology News


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If you think privacy settings on your Facebook and Twitter accounts guarantee future employers or schools can't see your private posts, guess again.
Employers and colleges find the treasure-trove of personal information hiding behind password-protected accounts and privacy walls just too tempting, and some are demanding full access from job applicants and student athletes.
In Maryland, job seekers applying to the state's Department of Corrections have been asked during interviews to log into their accounts and let an interviewer watch while the potential employee clicks through wall posts, friends, photos and anything else that might be found behind the privacy wall.
Student-athletes in colleges around the country also are finding out they can no longer maintain privacy in Facebook communications because schools are requiring them to "friend" a coach or compliance officer, giving that person access to their "friends-only" posts. Schools are also turning to social media monitoring companies with names like UDilligence and Varsity Monitor for software packages that automate the task. The programs offer a "reputation scoreboard" to coaches and send "threat level" warnings about individual athletes to compliance officers.
A recent revision in the handbook at the University of North Carolina is typical:
"Each team must identify at least one coach or administrator who is responsible for having access to and regularly monitoring the content of team members' social networking sites and postings," it reads. "The athletics department also reserves the right to have other staff members monitor athletes' posts."
All this scrutiny is too much for Bradley Shear, a Washington D.C.-lawyer who says both schools and employers are violating the First Amendment with demands for access to otherwise private social media content.
"I can't believe some people think it's OK to do this," he said. "Maybe it's OK if you live in a totalitarian regime, but we still have a Constitution to protect us. It's not a far leap from reading people's Facebook posts to reading their email. ... As a society, where are we going to draw the line?"
Aside from the free speech concerns, Shear also thinks colleges take on unnecessary liability when they aggressively monitor student posts.
"What if the University of Virginia had been monitoring accounts in the Yeardley Love case and missed signals that something was going to happen?" he said, referring to a notorious campus murder. "What about the liability the school might have?"
Shear has gotten the attention of Maryland state legislators, who have proposed two separate bills aimed at banning social media access by schools and potential employers. The ACLU is aggressively supporting the bills.
"This is an invasion of privacy. People have so much personal information on their pages now. A person can treat it almost like a diary," said Goemann, the Maryland ACLU legislative director. "And (interviewers and schools) are also invading other people's privacy. They get access to that individual's posts and all their friends. There is a lot of private information there."
Maryland's Department of Corrections policy first came to light last year, when corrections officer Robert Collins complained to the ACLU that he was forced to surrender his Facebook user name and password during an interview. The state agency suspended the policy for 45 days, and eventually settled on the "shoulder-surfing" substitute.
"My fellow officers and I should not have to allow the government to view our personal Facebook posts and those of our friends just to keep our jobs," Collins said to the ACLUat the time.
Agency spokesman Rick Binetti confirmed the new policy, but wouldn't comment on it or the proposed law which may ban it.
It's easy to see why an agency that hires prison guards would want to sneak a peek at potential employees' private online lives. Goemann said that prisons are trying to avoid hiring guards with potential gang ties -- the agency told the ACLU it had reviewed 2,689 applicants via social media, and denied employment to seven because of items found on their pages.
"All seven of these individuals' social media applications contained pictures of them showing verified gang signs (signs commonly known to law enforcement which are utilized by gangs)," the Department of Corrections told the ACLU in response to questions it asked about the program.It stressed the voluntary nature of social media inspection, noting that five of the 80 employees hired in the last three hiring cycles didn't provide access.
For student athletes, though, the access isn't voluntary. No access, no sports.
"They're saying to students if you want to play, you have to friend a coach. That's very troubling," said Shear, the D.C. lawyer. "A good analogy for this, in the offline world, would it be acceptable for schools to require athletes to bug their off-campus apartments? Does a school have a right to know who all your friends are?"
There have been many high-profile embarrassing moments born of the toxic combination of student-athletes and Twitter. North Carolina defensive lineman Marvin Austin tweeted about expensive purchases on his account two years ago, then became subject of an NCAA investigation about improper conduct with a player agent. The incident led, in part, to the school's aforementioned aggressive social media policy.
So it's not surprising that many schools want to keep a careful eye on what students are posting online.
But avoiding an uncomfortable moment is not a good enough reason to squash free speech, Spear says. Plenty of settled case law in the U.S. sides with students' rights to express themselves publicly, he said, including numerous cases involving student newspapers. Public displays of protest are also protected: A landmark 1969 Supreme Court decisions known as Tinker vs. the Des Moines School District said school officials couldn't prevent students from wearing armbands protesting the Vietnam War as long as they weren't inciting violence.
Colleges have legitimate concerns about the things students post on social media accounts, but they should "deal with that issue the way they deal with everything else. They should educate," Shear said.
"Schools are in the business of educating, not spying," he added. "We don't hire private investigators to follow students wherever they go. If students say stupid things online, they should educate them ... not engage in prior restraint."
Goemann also noted that the rush to social media monitoring raises an often overlooked legal concern: It's against Facebook's Terms of Service.
"You will not share your password ... let anyone else access your account or do anything else that might jeopardize the security of your account," the site says in its policies.
Frederic Wolens, a Facebook spokesman, wouldn't comment on the Maryland legislative proposals, but he said many of these school and employer policies appear to violate the site's terms.
"Under our terms, only the holder of the email address and password is considered the Facebook account owner. We also prohibit anyone from soliciting the login information or accessing an account belonging to someone else," he said in a statement to msnbc.com. Wolens said Facebook has yet to take a position on collegiate social media monitoring.
Social media monitoring on colleges, while spreading quickly among athletic departments, seems to be limited to athletes at the moment. There's nothing stopping schools from applying the same policies to other students, however. And Shear says he's heard from college applicants that interviewers have requested Facebook or Twitter login information during in-person screenings.
The practice seems less common among employers, but scattered incidents are gaining attention from state lawmakers. The blog Tecca.com last year showed what it said was an image of an application for a clerical job with a North Carolina police department that included the following question:
"Do you have any web page accounts such as Facebook, Myspace, etc.? If so, list your username and password."
And the state of Illinois has followed Maryland's lead and is considering similar legislation to ban social media password demands by employers.
But Shear says a patchwork of state laws isn't good enough when the stakes are this high.
"We need a federal law dealing with this," he said. "After 9/11, we have a culture where some people think it's OK for the government to be this involved in our lives, that it's OK to turn everything over to the government. But it's not. We still have privacy rights in this country, and we still have a Constitution."
*Follow Bob Sullivan on Facebook
*Follow Bob Sullivan on Twitter.


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This time it was the German government, who delivered yet another blow to Libra, the Facebook backed stable coin, that is planned to be launched in 2020. According to its new strategy the cabinet in Berlin stated that while the block chain technology holds great potential, it should not be used to develop private forms of money. "A core element of state sovereignty is the issuance of a currency, we will not allow private companies to do it," German Finance Minister Olaf Scholz commented on the government's decision. The German stance reflects similar concerns expressed by France and the skepticism in Washington. Read more
Facebook reassured world central banks that Libra, the new stable coin the social media giant plans to launch in 2020, will not replace sovereign currencies like the U.S. dollar or the Euro, and will not threaten the central banks' control over money creation. David Marcus, the Libra project director said in a tweet that Libra is not the digital equivalent of printing U.S. dollars or minting new euros. "The simple existence of Libra does not create new value", he added. Earlier this week representatives of Libra met officials from 26 central banks, including the Federal Reserve, the Bank of England and the European Central Bank to discuss the issue. Read more
Acting on a tip from the Chinese intelligence agency the Philippine police has arrested 277 Chinese nationals working for online forex and crypto scammers. The arrests were made in Pasig City - one of the fast growing special economic zones established recently by the Philippine government. The ride, that took place on September 11th and was lead by Bureau of Immigration agents, targeted the headquarters of Grapefruit Services Inc., which acted as an authorized service provider of Golden Millennial Quickpay Inc. Ltd., an offshore crypto currency company licensed by the Cagayan Economic Zone Authority (CEZA). Read more
The Financial Conduct Authority (FCA) in the UK has opened an emergency phone line (+44 800 048 4255), as well as a series of specialized information websites that are intended to help the financial sector cope with the possible consequences of a no deal Brexit. FCA also warns UK operating businesses that they will have 15 months to comply with the new rules in case UK leaves the EU without a deal in the end of October. "The FCA has undertaken significant work to prepare for the UK's departure from the EU. Read more
The Criminal Investigation Bureau (CIB) in Taiwan warns of a new wave of investment scams on dating and chat websites, featuring a case of a man who lost over 4 million Taiwanese Dollars (128 000 USD). Wang, a 53 year old Taiwanese businessman, was approached by a charming woman on Facebook and after a few chats, he decided to get a divorce and start a new live with her. "It was love at first sight with you, I prefer a mature man with broad social experience", the lady wrote in one of their chats. The woman told Wang she worked in the Hong Kong financial sector, earning a decent income, while trading currencies online. Read more
With its new promotion program OctaFX grants its clients a 50% trading bonus on each new deposit. The bonus funds are fully withdrawable after reaching a certain trading volume equal to the bonus amount divided by half in standard lots. For an illustration purpose, if you deposit let say 400 USD, your 50% bonus will add up another 200 USD to your account. And after you trade 100 standard lots (you can do that quite easily using leverage as high as 1:400), you will be able to cash out both the bonus and the profits generated with it. Bear in mind that with a 50% trading bonus, your profits could be 50% higher. Read more
The Marshall Islands, the small Pacific nation that is also a favorite offshore destination for many brokers that prefer to avoid the strict regulations in Europe, the U.S. and Australia revealed a plan to launch a crypto currency of its own, which will be in circulation along the American Dollar – until now the only official legal tender on the islands. The Sovereign (SOV) supply will be capped at 24 million tokens so that the coin will not lose its value. The authorities also promise that the block chain technology behind Sovereign will close many of "the secrecy and anonymity loopholes", that are usually used for clandestine activities involving digital coins. Read more
The Dutch Central Bank announced new rules for all companies dealing with crypto currencies that will take effect from January 2020. All companies offering exchange services between crypto and fiat currencies and vise versa will have to register with De Nederlandsche Bank (DNB) before 10 January 2020. DNB advises all companies in question, including wallet providers, to contact the Central Bank as soon as possible. The measures are taken in accordance with the fifth European anti- money laundering directive, which came into effect back in July, and which is aimed to curb money laundering and terrorist financing. Read more
Israeli binary options operative Lissa Mel pled guilty to her role in $145 million scam scheme, and was sentenced to a year in prison and $288 024 in restitution to victims by a US federal court previous week. After serving her term, Mel will be under supervised release for a term of two more years. Mel worked as a sales representative for Yukom Communications Ltd from July 2015 till November 2016. The company operated unregulated Israeli binary options brokers BigOption and BinaryBook and defrauded thousands of investors, including Americans, out of millions of dollars. Read more
The US Securities and Exchange Commission (SEC) has settled with founders of crypto exchange Bitqyck over an alleged $13 million fraud. Bitqyck's founders Bruce Bise and Sam Mendez will pay a civil penalty of $8.5 million on top of disgorgement and prejudgment interest. The SEC charged Dallas company Bitqyck and its founders with defrauding over 13 million investors in operating unregistered digital asset exchange and unauthorized offering. More specifically, Bitqyck offered their own token Bitqy, and falsely claimed that each Bitqy provided fractional shares of Bitqyck stock through a "smart contract. Read more


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The Secret's Out
Sometimes when I tell people that John and I have been married for 17 years now, they exclaim in shock, "What, did you get married when you were twelve?!" And then we laugh and laugh until I wake up and cry a little.
The times I'm not dreaming, though, people sometimes ask what our "secret" is. I assume they mean the secret to a happy marriage, and not that thing that happened at the fair, because how would they know about that?
So. The secret to a happy marriage?
Yep, nothing bolsters a relationship more than eloquently whispered...um...whispers of affection.
And stuff.
What's more, this kind of mushiness isn't just for your weeding day!
Now, admittedly, John is a lot better at this than I am, but I've learned to follow his lead and try to say something romantical every single day.
I know it can be hard for you naturally romantic chatterboxes to understand us more silent and stoic types, but the truth is sometimes we just don't know how to express what we're feeling.
And other times you'll have to cut us a little slack because, hey, at least we're trying.
[creepy grin] Aheheheheh. PREEETTY.
But really, I can't stress this one point enough:
And if you want to keep your spouse on his or her toes, try celebrating your next anniversary like this:
Not that *I* would ever do such a thing, of course. No, I prefer to write John heartfelt missives of the feelings my heart feels. Kind of like this bakery's delivery box:
[turning on slow, sultry beat]
[grabbing mic]
[talking over doo-wop back-up singers]
John, sweetie? There is no need reason. [draping self over piano] You fall - you FALL! - in love with my freedom. [raising roof] HEE-HEE! So open that window, baby - yes, OPEN IT! So that the soul of my soul and your soul and our souls - oh yes - [sliding to front of stage on knees] embracing you. [biting lip] Unnng. Yeah, boy. UH.
Thanks to Judie V., Melanie S., Anony M., Whitney B., Heather R., Stephanie & Aaron, Anony M., & Melinda H., for helping me express myself. Like to enjoy the heart was affected, guys. LIKE TO ENJOY.
Thank you for using our Amazon links to shop! USA, UK, Canada.


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I think the only way to describe this forum is NOT FIT FOR PURPOSE. What could be a useful resource is basically a total waste of space, most of the threads are in foreign language or broken English and are about anything other than PAT.
I would hope that Seaward take control of their service and make it in to something of use to those who share a common interest.
Best to all concerned
Marsh 0303


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Healthcare Reform 2014: Mandated Coverage, Insurance Exchanges, and Employer Requirements
Some parts of the Affordable Care Act have already been implemented. However, several of the more groundbreaking provisions of the healthcare law — some of which will affect the greatest number of Americans — won't go into effect until 2014. In the interim, federal and state officials are working with leaders in the health and insurance industries to restructure our nation's healthcare system.
That restructuring means most Americans will be required to have health insurance and most businesses will be required to offer it to their employees. It also means the creation of another kind of insurance plan called a health insurance exchange.
Healthcare reform mandates coverage for most
The government will require most Americans to have health insurance by 2014. The government has enacted this provision as a way to get healthy people who don't feel the need to pay for coverage to buy insurance. That way, the healthy people can help fund the cost of people who require more medical care.
Several states filed, and lost, a suit against the federal government saying that it is unconstitutional to make individual citizens buy health insurance.
If you don't have coverage and you're not in one of the groups that is an exception to the rule, you'll pay a penalty. You may not be required to purchase health insurance if you
Face financial hardships.
Have been uninsured for less than three months.
Have religious objections.
Are American Indian.
Are a prison inmate.
Are an undocumented immigrant.
If you're penalized, the amount you'll be fined will go up each year for the first three years. In 2014, you'll pay $95 or 1 percent of your taxable income, whichever is greater. In 2015, the fine will be $325 or 2 percent of taxable income, and in 2016 the penalty will be $695 or 2.5 percent of income. Each year after 2016, the government will refigure the fine based on a cost-of-living adjustment.
To help you meet the cost of mandated insurance, the government will offer premium credits and cost sharing subsidies if you and your family meet certain income guidelines and if you enroll in one of the new state-run insurance exchanges.
If your income falls between 133 and 400 percent of the federal poverty level (FPL), you could receive premium credits that will lower the maximum amount of premium you have to pay for your coverage.
For example, if your income is 133 percent of FPL, you won't have to pay more than 2 percent of your income in premiums. At the high end of the range, if your income is 400 percent of FPL, your premium costs won't be more than 9.5 percent of your income. FPL is $10,830 for an individual and $22,050 for a family of four.
You could also receive a cost-sharing credit to help reduce your out-of-pocket expenses for deductibles and co-pays. Like the premium credits, the amount of cost-sharing credit you receive will be based on your income in relation to FPL.
Insurance exchanges will be additional marketplace options
Basically, the new healthcare reform law provides federal funding for states to establish American Health Benefit Exchanges and Small Business Health Options Program (SHOP) Exchanges.
Whether you're an individual or a small business owner, these exchanges are supposed to serve as an easy, cost-affordable way for you to get health-insurance for yourself or your employees.
From a consumer perspective, the exchanges are about power in numbers. For instance, the American Health Benefit Exchanges are supposed to provide access to lower cost insurance plans for the uninsured because they allow individuals to join together to create a large pool of insured people. Usually, in the insurance world, the more people who are insured under any one plan, the lower the premiums for that plan.
The SHOP exchanges are where small business owners can join forces with others to try and get the best coverage at the best price for themselves and their workers. The SHOP marketplace is currently delayed until November 2014, but businesses with 50 or fewer full-time employees can apply for SHOP plans and tax breaks using a paper application for now. SHOP plans are currently open to employers with 50 or less full-time employees. In 2016 they will open to employers with 100 or less full-time employees.
Even if you're offered insurance through your employer, you could still opt to purchase insurance through the individual exchange if your income meets certain FPL guidelines.
Both the individual and small business exchanges are supposed to give you access to plans that have four tiers of benefits: bronze, silver, gold, or platinum. There will also be a catastrophic plan for people under 30 and for those who are exempt from mandated coverage.
States don't have to set up the exchanges. If a state chooses not to, the federal government can come in and create them. States that do opt for exchanges will decide whether they'll be run by a government or not-for-profit entity. States can also establish regional, interstate exchanges if they choose. States must make the exchanges available to consumers via call center, but it's up to the states to create additional avenues of communication, such as web access.
Many employers face penalties if they don't offer health insurance
Originally, under the Affordable Care Act, businesses of more than 50 employees were required to begin offering health insurance by 2014 or risk penalty. That mandate has now been delayed until 2015.
Subsidies serve as insurance enticement: Even if you don't have to insure your employees, the government is going to try and coax you into it with a series of subsidies to help you pay your premiums. If you purchase insurance for your employees through SHOP, you might be eligible for a tax credit equal to up to 50 percent of the cost you pay toward your employees' health insurance. That credit will be paid out for two years.
Penalties for not insuring: Beginning in 2015 if you don't offer health insurance and you're an employer with more than 50 employees, if one of those employees is a full-timer who receives a premium subsidy because he participates in an exchange, you'll have to pay a fee of $2,000 for every full-time employee you have (although penalties for the first 30 are waived).
Penalties even if you do insure: Even if you offer health insurance, if one or more of your full-time employees chooses not to participate in your insurance plan and, instead, opts for an exchange plan that allows them to receive a premium credit, you could still be penalized up to $3,000 for each employee receiving a subsidy.
You can avoid being penalized for the number of employees who receive insurance through the exchange by providing each one of them with a free choice voucher to help offset the cost of their premiums.
Automatic enrollment required for large employers: If you employ more than 200 employees, the new law will require you to automatically enroll them in your insurance plan. However, an employee may choose not to participate.


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I've read an article somewhere that the current Glee cast will be dumped once they "graduate" high school in Glee, and then they will be replaced by a fresh batch of students.
So far, the Super Bowl and Valentine's episodes have been strong. The scene at the Gap was totally creepy. I smell Karofsky redemption arc soon.
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At Shell we care about the diversity of our people because we believe that a fully inclusive workplace allows our employees to flourish and so allows our business to flourish.
When our employees excel, we excel. It's for this reason that we are proud to support our lesbian, gay, bisexual and transgender (LGBT) staff, promoting equality for employees regardless of sexual orientation or gender identity.


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Guthrie one of MLB's worldwide ambassadors
KANSAS CITY -- You can call Royals pitcher Jeremy Guthrie "Mr. Ambassador."
Or "Mr. MLB Ambassador" to be more precise because he was one of several players to represent Major League Baseball by teaching clinics and talking up the game in several countries this offseason.
KANSAS CITY -- You can call Royals pitcher Jeremy Guthrie "Mr. Ambassador."
Or "Mr. MLB Ambassador" to be more precise because he was one of several players to represent Major League Baseball by teaching clinics and talking up the game in several countries this offseason.
Guthrie went to China earlier this month to teach at one of the development centers funded by MLB.
"I've taught baseball in Italy, the Netherlands, Belgium, London, Barcelona, Madrid and now in China," he said.
"It's very interesting to see how international the game is. People just kind of take for granted it's in the United States and the Latin countries, but it's very big in Italy, very big in Holland, and it's growing in a number of other places. Obviously, it's very big in Japan. The game continues to grow."
In China, Guthrie said, it was the norm for athletes to train at schools devoted to sports apart from academics, but MLB is combining baseball with education at its centers.
"They bring in from 30 to 50 players and put them in school, they form a team and they practice almost daily. They try to develop the player as well as the student side of these kids in hopes that they could get a crack at playing professional baseball in the United States," Guthrie said.
The students are junior high and high school age, are recruited from around the country and stay in dormitories.
"The kids do academics as well as sports, so it's very unique for their country," Guthrie said.
Their baseball skill level is progressing.
"It's pretty good, they practice so much there. I told the players, 'You at your age are much more advanced than I was at that age,'" Guthrie said. "It doesn't mean that they're going to turn out better or worse, but they receive coaching every single day, and I played baseball 2 1/2 months a year. And it was an hour-and-a-half practice in the evenings and a couple of games a week.
"These kids get two and three hours per day and three or four games a week when it's in full swing in the summer. So they're playing much more baseball than I ever did at their age, and they're talented. So I certainly think that we'll see somebody playing professionally in the United States in the Minor Leagues sometime soon."
According to Baseball Reference, the only China-born player to reach the Majors was Harry Kingman, born in Tientsin to U.S. missionaries in 1892. He grew up in California and eventually played four games as a first baseman for the Yankees in 1914, going hitless in three at-bats.
Guthrie saw some raw talent.
"They're obviously having to go through growing pains. There was one pitcher, for example, who's 15 now and a tall kid at about 6-5 and up until three years ago he'd never seen a baseball before. Now they're teaching him to become a pitcher and slowly but surely it could click for him and he could be a power pitcher with a huge frame, or maybe not," Guthrie said. "There were a couple of players who stood out as very good and they played in the United States with some summer teams."
Earlier this offseason, Guthrie and Royals catcher Salvador Perez went to Spain and did some baseball ambassadorship on their own.
"Spain's the greatest place on earth. Not too hard to get him over there," Guthrie said. "We saw a lot of soccer matches, talked some baseball and had a blast. We met with a group in Barcelona and another group in Madrid."
Guthrie lived in Spain for two years from 1998-2000 as a missionary for the Church of Jesus Christ of Latter-day Saints.
"I love Spain, so I go back as often as I can, which usually means once a year and take the kids over there and give them a chance to see where Dad lived for two years and to hear another language," he said.
There are some perks, too, of being an MLB ambassador. He and his wife Jenny, while in China, got to fulfill a longtime dream -- a visit to the Great Wall.


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Window Replacement Company in 30142
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This fun and sweet DVD has two separate 20-minute programs that are suitable for beginning level students. Hemalayaa is a beautiful and lighthearted instructor who creates a harmonious mix of detailed instruction and encouragement to explore and create freedom in the yoga poses. The first yoga program is relaxing and heart opening and the second program is similar, but it is more engaging and core strengthening. Both yoga programs cover basic poses that incorporate many fluid and circular movements, and both programs end with a supine bound angle pose for relaxation.This is an outstanding and professionally produced DVD that will work great for anyone who wants a simple and short yoga program.
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More mobile operators are implementing billing support for the Windows Phone Store and now Vodafone in Italy has followed suit. Offering customers the ability to use their contracted plans as a way to pay for apps and content from mobile phone stores, it's a more convenient payment gateway to using cards on the go. If you don't have a card or wish to use one on your Microsoft account, your monthly contracted bill will include purchases on the Windows Phone Store.
Both Vodafone and Microsoft have yet to officially announce this new feature, which leads us to believe it's not quite available to everyone just yet. It's real easy to get cracking, simply select the option when checking out and purchasing content from the store. If you purchase numerous apps or hand over your phone to other people, it may be worth investing the few minutes to set a PIN for your Wallet and prevent others from using your funds.
via: Plaffo