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Hunting for Health Insurance
Published on - April 30th, 2012 (Modified on - May 1st, 2012) (by J.D. Roth)
I am sick. For the past ten days, I've been wrestling with a high fever, a cough, a persistent sore throat, and a general malaise that's kicking my ass. Basically, I'm the sickest I've been in over a decade. (The last time I was this sick? The evening that The Fellowship of the Ring premiered. I went to see it with friends, but don't remember a thing about that night because I was sick with a high fever. High fevers suck!)
Normally, I don't go to the doctor. My family has a funny thing about doctors, and usually prefer to let an illness run its course rather than to pay a doctor to tell us to "let the illness run its course". Last Tuesday, though, I decided that sometimes discretion is the better part of valor. After four days with a high fever, and after sensing that something wasn't quite right with my lungs, I drove myself to urgent care.
"You have the flu," the nurse practitioner told me. "And it'd be even worse if you hadn't had your flu shot. As it is, you may have pneumonia. It's been going around."
She prescribed an inhaler, steroids, and an antibiotic, but she seemed skeptical that they'd help. "Make sure you call us if things don't improve," she said. "In the meantime, you need to spend 72 hours in quarantine. You don't want to give this to anyone else, and you don't want to catch anything else that might be going around."
So, for three days last week, I confined myself to my apartment.
Hunting for Health Insurance
But this article isn't about how sick I've been. This article is about my quest for health insurance. Earlier this year, I promised to share my experience as I looked for an individual policy.
As background, I've always had insurance through Kris. Because we were married, my insurance was covered by the policy she had through her employer. And before that — long before that — I was on my parents' health insurance. For 43 years, health insurance has been a non-issue for me.
That changed, though, when I asked for a divorce last autumn. I knew that I'd have to find my own coverage. In fact, Kris wouldn't allow the papers to be filed until I could demonstrate I had replacement coverage.
"No problem," I thought. "How hard can it be to find health insurance? I'm the healthiest I've been in my life!" Haha. Turns out, it's not as easy as it sounds.
A Wild Goose Chase
My first stop was eHealthInsurance.com. Many people (including several GRS readers) had recommended this site as a great way to compare health insurance and to apply online without much hassle. It sounded perfect. Before Kris and I left for our trip to South America in February, I filled out an application. It seemed simple, and I had no doubt I'd be approved.
I wasn't.
Some of my options at eHealthInsurance
While we were in Argentina, I got an e-mail that said my application for health insurance had been rejected, but didn't offer any explanation. When I got home, there was a letter waiting for me in the mail that gave more detail. Turns out, I had a pre-existing condition that caused my application to be rejected. Five years ago, when I was fifty pounds heavier, I suffered from sleep apnea. Sleep apnea is a risk factor for other diseases, and insurers don't like it. Never mind that I no longer have sleep apnea, that I'm fifty pounds lighter than when I had it, and that my health has never been better. There's no way to convey that info on an application. Instead, I was turned down for health insurance.
I went back to eHealthInsurance.com to apply for a different policy, but there's a question on every application: "Has any other carrier turned you down for health insurance during the past 90 days?" It turns out that once one carrier turns you down, all carriers will turn you down. (This isn't strictly true, but it's mostly true.)
I decided that my best bet was to just just continue receiving coverage through my same carrier. My logic was impeccable: I'd been with them for years already and they knew my medical history, so surely it would be a piece of cake to carry things forward. Again, this didn't turn out to be true.
I called my carrier to ask about porting my policy from Kris' work account to individual insurance. "We can't do that," they told me. "You have to call the employer that has the policy." So I did. But Kris' employer told me they couldn't port it forward either. "Your only option is COBRA," they told me. (COBRA is ongoing medical insurance available when your existing policy ends. It's expensive.)
I'm telling this story in a calm, even-handed fashion, but I wasn't feeling calm and even-handed during the process. I was feeling frustrated. I couldn't figure out where to turn.
Finally, I started talking about my health insurance dilemma with everyone I met. I asked my self-employed friends what they do for health insurance. (Shocking but true answer: Most of them don't have health insurance. No joke.) When I met other folks who've been through a divorce, I asked how they handled the health insurance question.
In the end, it was my colleague Mark Silver from Heart of Business who provided the answer. "I used an insurance broker to find health insurance," he told me. "Here. I'll give you his contact info."
Taking Matters Into My Own Hands
Because I hate e-mail conversations and because I hate getting the run-around by phone, I tend to prefer face-to-face business transactions. Yes, they take more time, but I find them easier. It's possible to discuss shades of grey and to explore multiple possibilities in person. For this reason, I drove across Portland to visit Ron Tate at Tate Insurance Services. I explained my situation.
"I need health insurance," I said. "But I only want catastrophic insurance. I'm willing to self-insure almost everything." Because I have substantial savings, I'm willing to pay more for routine coverage if that means my monthly insurance premiums are low. In the long-term, this should save me tons of money.
"No problem," Mr. Tate told me. "We have several options." He walked me through them. I chose the option that seemed to offer the best balance of cost and coverage, filled out the application. And waited. And waited. And waited.
After a week of waiting, I got word that my application had been rejected. Again. And again because of sleep apnea. "We have a couple of options," Mr. Tate told me. "Because you've been rejected, you qualify for the Oregon Medical Insurance Pool, which is for high-risk customers like you. It's nto cheap though. Or you can apply elsewhere. Or we can ask for an exclusion for the sleep apnea. That means you won't have coverage for that condition, but everything else will be normal."
"To be honest," I said, "I just want to get this finished. I feel like I've been working on this for weeks, and I'm tired of it. It shouldn't be this hard to get health insurance."
My plan options at my insurance provider
In fact, I was so frustrated that I went home from Mr. Tate's office and took matters into my own hands. I did what I should have done from the start. I went to the website for my current carrier and filled out an application for personal health insurance. I chose the cheapest policy (which still costs $128 a month!) and indicated I was a current customer. And then I waited. Within a couple of days, I'd heard back that my application was approved.
An Unhealthy System
That's a long, boring story, I know, but I'm certain it's typical of what everyone goes through when attempting to find health insurance on their own. It's not easy. In fact, it seems a little crazy that it takes that much work to get coverage.
During the process, I spoke with dozens of people about their own experience getting insurance, or about their experience with family members who've had to use health insurance lately. I'll be honest: I came away jaded. I'm far from being a socialist, but there's no question in my mind that the current health insurance system in the U.S. is broken. It's tough to find coverage, that coverage is expensive, and once you have it, it's like a game for the insurance companies to get out of paying. This is dumb. I'd be happy to try some sort of socialized medicine as an alternative, and so would every single person I spoke to during this process. (But, of course, I live in Portland where even moderates like me would be considered liberal in other parts of the country.)
And, of course, the conclusion of this story is that I had to put my insurance to use last week. I have no idea how much my doctor's appointment, x-ray, and prescriptions would have cost without insurance (and neither do the doctors, actually), but I do know that my total out-of-pocket cost was $29.26. (This may go up after the insurance company decides whether I owe more, but that's the current total.)
I'm still not healthy. There's still gunk in my lungs. I'm still running a mild fever. I still feel like sleeping all day. But it's good to know that if I do need medical help, I have the insurance situation sorted out.
This article is about Health & Fitness, Insurance, Real-Life
Hi J.D.,
Thanks for the post; I'll be going through a similar situation soon, and it's helpful to hear about what your experience has been like.
I don't mean to start a political discussion, but did anyone you talked to mention whether it would still be legal, in the future, for insurers to refuse to insure you for what they decide is a "pre-existing condition"?
You are lucky that policies that cheap are even available. In Massachusetts, individual policies start in the $400s.
No, the individual policy I purchased through the Connector cost $215 a month, and it was a pretty decent plan as well, comparable to the one I now have through my job.
Try New York City– for a self-employed person a comprehensive individual policy starts at well over $1000 per month.
Yeah, I'm astonished that he found a plan for $128.
When I lost my job in NYC, all of the private plans were $600+ per month, iirc. I was lucky that, after days of research, I found out about Healthy NY, a city (state?) insurance plan for low-income folks who don't qualify for medicaid.
My high-deductible emergency plan cost me around $200 a month.
I don't think you have to be liberal at all to think that the current health insurance system is broken. But if you think it's broken, nor do you automatically have to think Obama's ruinous solution is a good thing and the only way forward.
By the way, since you're slim, fit and healthy now, why didn't you just go with the exclusion for sleep apnea? I would probably have done that.
Many years ago, I was in the same dilemma as you. Due to a pre-existing condition, I was turned down for health insurance twice. My state offers Blue Cross/Blue Shield insurance coverage for uninsurable people that cannot be cancelled.
In the previous state I had lived in, I was cancelled from a health insurance plan without explanation. I inquired but never found out why it happened.
So even though my policy is enormously expensive – $854/mo. (it increases about $100/yr.) w/a $2500 dedt.; I am covered well for hospitalization, doctor visits and I get good presciption discounts. I also cannot be cancelled when I need coverage the most.
My monthly medical expenses are high, but in a few short years I'll be eligible for Medicare (if the system hasn't changed) and then my expenses will be reduced.
J.D., please consider getting dental coverage as well because that can cost a lot, even for a healthy person.
It's cheaper for me to pay for dental treatment myself than to shell out to the insurance and then deal with their copays and denials of coverage.
In my experience, dental is not so expensive unless you get into an accident and need facial reconstruction or something.
Maybe there's something I don't know, but I'm getting treatment now and I can afford it out of pocket.
It's possible to save for dentistry without going broke just like people save for car maintenance or the like. I think being on the hook for dental insurance is costlier in the long run.
I agree with you if you have normal dental needs.
For those of us who don't, dental costs can be a nightmare. About 25 years ago, I suffered heavy metal poisoning caused by mercury leaching out of my amalgam fillings, which are composed of over 50% mercury. The old fillings were removed and replaced with a safe material, which broke down in my molars because the early glass ionamers were not strong enough to withstand wear. Within five years, the glass ionamers were replaced with a newer, stonger material. In the past decade, due to normal breakdown, my fillings and crowns have been replaced again.
I easily spent over $100k in my mouth in the past 25 years. I've not had dental insurance and perhaps it would have reduced the cost of the services that I required.
Teeth cleaning averages over $100/visit, crowns run over $1000 and using safe materials for fillings cost a lot. If you grind your teeth, a mouth guard or NTI, can be expensive (over $1,000 for my NTI). Two years ago, I got a dental implant ($5,000) + a crown which made for a total of $6,000.
If you have more than one person, in the household, with extra dental needs, it can add up.
Every dental insurance I've had has had a low cap, little more than the sum of the premiums. For instance, currently I face a $1500 cap and $75/month or so premiums. Though I admit, the cap is per person and the premiums cover my whole family. Nevertheless, even $4500 per year is not so much that I would be risking financial ruin if I chose to self insure.
what is also nuts is that I have coverage with my employer, and even with a high deductable (1500.00 that doesn't include copays) I STILL pay what you pay
Hi! Paying $1,500 is not high deductible insurance.High deductible is considered $5,000-$20,000 deductible & some are that high.Through my husbands work is $4,500 per person deductible & $200 emergency room & if they determine not an emergency , you pay it all.We pay $210 every 2 weeks, on a wage of $11 something an hour.Insurance is going to be higher with Obamacare, as the feds have to pay it for those who qualify for free. Who are the feds? You & me, the workers.
I have been on that self-insurance nightmare ride, and I sympathize. I will say that we were initially rejected because of a bogus pre-existing condition, and I contested it, successfully. On our rejection letter, it had contact info for contesting it, so I wrote in detail why the condition no longer applied. After a lot more waiting, somehow we got through.
It might be worth trying for you, if for some reason your current coverage isn't sufficient (though it's sounding pretty good to me . Now that you've got some coverage, it's a lot less frustrating.
Thanks for sharing your story, J.D.! Hope you're feeling better.
I suspect most health care systems are broken in one way or another, but it's startling to see how countries/insurance providers decide who gets what coverage and why.
Just as financial companies rely on "credit reports" to establish credit for customers, insurance companies utilize "medical report" files to assess the health, insurability, and price ratings for individual health insurance applicants. The Federal laws FCRA and FACTA, which govern the credit bureaus Experian, Equifax, and TransUnion, also regulate the nationwide specialty insurance reporting agencies the Medical Information Bureau Inc (MIB), Ingenix Inc., and Milliman Inc.
Failing to check your medical report can be costly; errors or omissions within individual medical report files can cause applicants to be rejected outright, pay higher policy premiums, or suffer outright rescission of coverage!
The Medical Information Bureau Inc. (MIB) , operates the most extensive database of medical information on individuals who have previously applied for health, life, disability income, critical illness and long-term care insurance in North America. The Federal Trade Commission warns that your medical report files may include both medical and non-medical information about you. For instance, personal data collected by the MIB includes medical conditions, your credit report history, driving records, criminal activity, drug use, sexual orientation, lifestyle activities, international travel, participation in hazardous sports, and personal or family genetic history.
To make your annual consumer requests, you'll need to contact the consumer reporting agency directly. See, "Do a Total Background Check on Yourself"
I could tell a long sad story about getting health insurance after my husband was laid off and COBRA expired (yeah, we paid the COBRA, outrageous as it was due to a past history of cancer, now totally in remission). We lucked out because we live in Colorado and they had a state program for folks turned down (like my son who was rejected because two years earlier his acne was treated with a course of Accutane). We're employed again and covered, thank goodness.
But I wanted to say: you are lucky that Kim was looking out for you and made you deal with the insurance issue — or you would have been without insurance (hey, it's such a pain, I'm betting you would not have concluded the issue if she hadn't been stubborn about it).
I'm an unemployed Californian, was on COBRA, exhausted the COBRA coverage at 18 months and am now on HIPAA. If you can afford it, you can get pretty good coverage mandated by the U.S. govt through HIPAA after you exhaust COBRA. But it will cost you. I'm a single female, 49, and pay $640/per month for a good Aetna plan with a $2,500 deductible. So I pay $7680 per year for a plan I barely use. I'm very healthy but do not qualify for any private individual plan due to you guessed it…an old pre-existing condition.
Re: the thousands you pay for an Aetna policy you never use:
The value of Aetna Chairman and CEO Mark Bertolini's compensation package in 2011 was nearly $11 million (source: Dow Jones Newswires).
"Aetna's results were strong last year, with operating earnings climbing 26%. Its profit in the fourth quarter surged as the insurer continues to benefit from light medical costs and sparse patient visits to hospitals and doctors' offices, effects of the weak economy and high joblessness." Yes, you read that right — "the insurer continues to benefit from … sparse patient visits to hospitals and doctors offices .. (due to) the weak economy and high joblessness."
Very thankful I live in Canada, not the best, but better than this
My husband and I moved to Ireland less than a year ago from the US and we were strongly advised, even by Canadian friends who seem to have a strong inborn belief in socialized medicine, to buy private coverage. We are still scratching our heads over how the public/private system works and since the economy tanked here in 2008, everything is under flux. As much as people gripe about the system, there is a basic safety net even in this country with its recession and hard economic times. I do wonder what will happen to us if/when we move back to the U.S.
In most cases, we think that the free market and competition will drive prices down in every market, but healthcare is one of the cases where it has not. Costs have actually gone up.
Well and part of the reason is the way health care works for insurance. The larger pool of people, the cheaper it will be because you have more people to draw from. It may not be as efficient (then again, I'd argue anyone who says the current system is very efficient hasn't haggled with their insurance lately), but it is cheaper to have less competition.
That's because health insurance markets naturally lead to market failure because of adverse selection.
Mechanically, perfect competition can't work in insurance markets because there's an incentive for only sick people to want to buy health insruance at cost which drives costs up leading to only really sick people wanting to buy it at that cost and so on. That's why the private market is broken, and why Gruber argues for an individual mandate (Cutler says all you need is to subsidize coverage "enough" to get over that downward spiral).


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My Pretty Little Man
Mom•Logic's Andrea: The recent "Pregnant Man" controversy makes me think--What if, someday, my little girl wants to be a boy?
While the debate rages on whether Thomas Beatie, a transgender, can really be considered a man if he's pregnant, the fact still remains, at one time, Thomas Beattie was someone's little girl.
About Beatie's delicate condition, his family has publicly said the child will be "a monster." How sad his family has rejected him (and his unborn child). But it's hard to imagine what I would do if years from now my daughter announced she was off to Mexico for a sex-change operation.
It's easy to write of the whole Thomas Beatie saga as weird, but what would you do if it was your daughter?
As a mother of 2 little girls myself….i cant say that if my child went to Mexico or wherever for a sex change..i would respect that. I would refer to her as my son and use the name that they chose. As parents we are here to support our children and guide them..when they are of age our role changes somewhat and i understand that. In my home we are an open family, as i am bi-sexual myself and my chilrens aunt and 2 cousins are lesbians. If my children chose to be something i didnt lead them into then its their decision and i will respect that fully. We cant decide who they will be..only guide them. I dont see anything wrong with a person choosing who they are…that inlcludes my children.
I dont see why you cant change yourself
you are what you want to be. OUt of all people your family should be t he one that sould be by your side supporting you because if they dont
no one else will. Even if we chose how they wna be they would go behind and do it anyways we just have to repect for they they want to be. we cant decide for them or judge them we are suppose to love them forwho they are.
you are born a man or a woman. is everyone taking crazy pills? this is not a matter of choice!
i would never rise a child in such a manner that there would be confusion as to their sex.
I would direct your attention to a book, just re-released, about Danielle and her Mom … it's a wonderful read for all of us parents who try every day to be the best we can be in loving, supporting, and guiding our children … It's available on Amazon.com and is called "Mom, I Need To Be a Girl" …
As for me … I'm a fully transitioned transexual woman with two amazing young adult daughters … once a parent always a parent …
April 6,2008 11:30 AM
There is no right or wrong answer to what is happening in our ever changing world.
This women felt a need to express who she was and become a man, but yet a deeper need and disire to give birth and left her reproductive organs in tack. For what ever reason, only she or he and his spouse who or what ever that persons gender is must understand the complications that will arise.
I am interested to follow what happens to the birth of a child in this situation to understand how the public reacts.
This is not a mirical,this is a freak of nature.
UNUSUAL THINGS HAPPEN EVERYDAY, this is one of them.
May god bless them and keep them safe, and surround them with love and understanding friends and family for they will need support, because of wispers, finger pointing ,comments and rejection.
Lets move on to the real world problems, or is this one we have created just like all the other ones.
"This is not a mirical,this is a freak of nature."
Actually it is not a miracle or a freak of nature. It is a "manmade" freak. This person is a woman who has taken hormones and mutilated her body. Anyone could do the same, but why.
No matter what anyone says, the child will not be a monster. The baby growing inside of this confused person is indeed a miracle, just because she exists, not because of who she exists in. All children a miracle from God.
Also, we're all made the way we are for a reason. To fill rolls as women and men, and I don't mean, "all women must stay at home have long hair and wear dresses," I mean, women are wired in a certain way that makes us nourishing and loving, and I don't see that it's any different for this person, even after the sex change. She's confused, indeed, by the world of sin that we live in. Yes, our world is corrupted, and that's why "unusual" things happen every day.
God loves both, mother and child, and so should everyone around them. But the sinful nature of her confusion should not be tossed aside. She was created as a woman, and should not have tried to be something else.
I'm not a mother, I'm fifteen. I was born physically female, but I prefer to live without gender. Sex and gender are two completely different things and I choose to live without gender. I have short hair and usually dress masculine, but some days decide to dress feminine. Gender is all about interpretation. I am androgynous, I am gay, but that does not make me who I am.
i can accept that people need to do what they need to do and that's wonderful for them, but what about the daughter? hows she going to handle it?
Only people who have the desire to be of the opposite gender can understand what we go through-starting at 12 years old. I balance my life as both male and female and love both roles, but would prefer female.Unfortunately our culture while coming a long way for transgendered people still isn't ready to accept what it doesn't fully understand.
it is not acceptable to society cause people discriminate against anything that is not right . Be who you are!not what you feel you should be!!!!!!!
Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great.
I'm still learning from you, while I'm trying to achieve my goals. I absolutely liked reading all that is posted on your site.Keep the stories coming. I liked it
There is clearly a lot to identify about this. I believe you made certain nice points in features also.
Great knowledge, I value all of these opinions. All and sundry needs to sensible of unbidden to extract themselves open-handedly
The only limit to our realization of tomorrow will be our doubts of today. Let us move forward with strong and active faith.
I'm still learning from you, but I'm making my way to the top as well. I certainly enjoy reading everything that is written on your site.Keep the tips coming. I enjoyed it
I read your orientation frequently and I well-deserved thought I'd pronounce have up the salubrious available!
Easy to need methods that definitely gala, appreciation again!


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Judge Rhodes ruled Tuesday Detroit is eligible to fix its finances in bankruptcy court. This is just the first phase of what will be a long process to resolve the financial issues.Fox 2's Amy Lange spoke with union representatives and city retirees who voiced their concerns about the ruling. VIDEO: Click on the video player above to watch Lange's report or read it below_______________________"What do we want? Justice!"Marching in the street outside federal court - inside, Judge Steven Rhodes reading an exhaustive summary of his 140-page ruling. Detroit is eligible for bankruptcy.In fact, with 18 billion dollars in debt and 100 thousand creditors he says it was a forgone conclusion, and should have happened years ago."I think this is a very scary day because what the judge has done here, is he's said a state constitution, that's specifically and expressly protects vested pension benefits, can be taken away in bankruptcy. And that's very scary," says Sharon Levine, an attorney for AFSCME.She's filing an appeal, fighting for the unions and retirees who stand to lose so much in this fight. Judge Rhodes ruling that pensions are not protected in bankruptcy."This is a death sentence for 23 thousand retirees if he allows the pensions to be cut, as they said, 16 percent on the dollar," says David Sole from the Stop Theft of our Pensions Committee. "That ruling is so hurtful my heart just dropped. That's the worst thing that I could have heard ever because it's not going to just hurt me, my husband - but so many other pensioners," says Angles Hunt.She's devastated by the judge's ruling that pensions - their pensions, 19 thousand dollars a year - can be cut."We worked 30, 40 years - some more than that - and it's not fair to us who worked, who supported this city, who still lives here, and they going to do that to us? They don't care about the people," Hunt adds. "Some of them for example, retired police officers, don't have the benefit of social security. So therefore their pension is what they rely upon, and how are they going to maintain a quality of life?" says Keith Johnson of the Detroit Federation of Teachers. Judge Rhodes did urge the emergency manager to negotiate with the pensioners before the court approves any plan of adjustment. Rhodes also finding that the city did not negotiate in good faith, but in the next breath saying it was impossible to do so with 100 thousand creditors. So now negotiations and the bankruptcy process move forward."The bargaining process continues to go on and we will continue to bargain at this particular point," promises Ed McNeil of the AFSCME Council 25.
WHBQ-TV | Fox 13 485 S. Highland St.Memphis, TN 38111Main Station: (901) 320-1313Newsroom: (901) 320-1340


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LANSING (WKZO) -- Welcome to beer country where a draft beer comes from a tap, and a pint should be a full 16 ounces.
So says west Michigan Democrat Brandon Dillon who is co-sponsoring legislation that would make it a violation of the liquor control act to advertise you are selling pints, but actually serving something smaller.
He calls it a pet peeve, one that he has experienced personally.
Dillon says they regulate gas pumps to make sure when you buy a gallon, you get a gallon...why not beer?
It may run into opposition from bar owners who use "cheater" glasses with thicker bottoms, who don't want to replace all their glasses.
Supporters of the measure says they don't need new glasses, they just need to stop calling it a pint.


text:
A Twins fan's best advocate: Joe Mauer
Justin Morneau said this about Joe Mauer during Monday's MVP excitement: "The biggest thing now isn't the money. It's going to be whether or not he feels we can win every day with the talent we have."
Morneau was talking, of course, about whether Mauer will sign a new contract with the Twins or choose to make his fortune elsewhere.
Right now, everyone is saying the right thing.
Mauer, especially: "I think it will all work itself out I definitely enjoy playing in front of my family and friends here in Minnesota, and that's all I know. So can we win here? Yes, definitely, I hope so. And that's what I would like to do."
Whether the Twins can afford Mauer was the hot topic of the national media Monday.
As Minnesotans, we have an obligation to remind the outside world of the absurdity of that notion.
The Pohlads can afford anything they want. It's a question of what they choose to do.
I will not whip the Santana horse (too much), in part because he may be a healthy arm and a leg less than he was with the Twins for the rest of his career. But, in (unfair) hindsight, the best course of action would have been to keep him through 2008, let him walk and take the free-agent compensation that would have come from losing him. It's a pretty good bet that a surly Santana, pitching a showcase season, would have made the Twins at least one game better than they were that season — which would have meant a division title.
The best course of action with Mauer, obviously, is to get this deal done well before anyone even pretends to play contract chicken. With a new ballpark and a superstar behind the plate, the Twins could actually become a destination team for players who wouldn't give Minnesota a second thought under the conditions that have existed. Target Field looks to be a player-friendly place, complete with a double-wide corner clubhouse locker for a certain No. 7 and the extra things he carries as a catcher.
If Mauer is happy, he will stay.
If Mauer stays, it will send the right message to teammates and others.
You can fool a guy paying $36 for a ticket. You can't fool a .365 hitting catcher.
So Joe Mauer is the best advocate that a Twins fan has right now.


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14 August 2014 14:31
The horrified response to the Japanese specification Ducati 1199 when it was unveiled in 2012 has prompted this revised exhaust system, spotted by a spy photographer at the Ducati test track last week. The noise regulations in Japan are so strict that the 1199 was unable to pass without a massive carbon-fibre end can and modified crankcase with a noise-supressing ...
Andy Downes,
28 May 2014 10:00
This is the new water-cooled Monster 821 which joins the range below the recently launched 1200 version to replace the outgoing Monster 796. The bike is powered by the 821cc Testastretta 11 V-twin engine first seen in the Hypermotard which has 112bhp along with the completely overhauled styling, chassis and running gear first seen with the bigger 1200cc model. MCN ...
Andy Downes,
03 March 2014 20:00
Official images and technical data reveal that Ducati's game-changing Diavel will benefit from a host of revisions for 2014, three years after the bike was launched to widespread acclaim for delivering sportsbike levels of performance to the cruiser class. The main changes centre around a new twin-spark version of the 1198cc Testastretta V-twin engine. While Ducati claim that it will ...
Andy Downes,
28 January 2014 09:51
Ducati has started building the first of the new generation of Monster 1200 models ahead of next months official press launch. The new Monster 1200 comes in two versions, a standard bike with 135bhp and a more powerful and higher specification S model with 145bhp and different suspension, wheels and brakes. Ducati boss Claudio Domenicali was on hand to start ...
Andy Downes,
28 November 2013 17:17
Ducati recently revealed plans for a limited run of 1199 Panigale Senna recreations of the original 916 but there is a catch; they are only available in Brazil. Now Ducati Aylesbury has come up with this tribute version and it could be yours for £15,995, which is the same price as the standard Panigale 1199 ABS. Interested? Call sales manager ...
22 October 2013 09:00
Ducati has finally released full details of the 1199 Superleggera limited edition superbike. Magnesium and titanium abound, and the combined weight loss results in a bike weighing just 155kg dry – 177kg fully wet and ready to ride. That's not a lot of weight to push around, and with a claimed output of 'in excess of 200bhp', you're unlikely to ...
Michael Neeves,
21 May 2013 09:00
The paint's barely dry on the new 821cc Hypermotard, but Ducati has already created a touring version. With its panniers, centrestand and tall screen, here's what makes the Hyperstrada different to the Hypermotard. ElectronicsLike the Hypermotard, there's an eight-stage traction control system and three riding modes: Sport, Touring and Urban. Sport and Touring give you full power, but have differing ...
Richard Newland,
12 November 2012 17:04
An ugly Ducati is a rare old beast these days but the new Diavel Strada could be the first since the original Multistrada 1000 turned stomachs in 2003, or the easily forgotten Indiana of 1982 slipped into the shadows. The Strada is billed as a touring-inspired version of the power cruiser Diavel and comes factory fitted with touring options including ...
Richard Newland,
12 November 2012 17:03
Right on cue, Ducati has revealed the ultimate iteration of the 1199 Panigale superbike with the 'absolute flagship' R version, which sits atop the range and above the existing bikes in terms of spec. The 1199 Panigale R gets the same engine management mapping and ride-by-wire calibration enhancements as the rest of the 1199 range for 2013 but also gets ...
Richard Newland,
12 November 2012 16:17
Ducati has announced a new Hypermotard 800 and an adventure-touring spin-off called the Hyperstrada, in Milan today. Both share the same 821cc V-twin which uses the second generation Testastretta 11° cylinder head design being employed across many bikes in the Ducati range, including the Diavel and Multistrada 1200. The 11° head, combined with twin-spark ignition, a new air bleed system ...
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text:
NOUN. /ˈpaˌtwä/ DEFINITION: 1. Any language that is considered nonstandard. Can refer to pidgins, creoles, dialects, and other forms of native or local speech. 2. Many of the vernacular forms of English spoken in the Caribbean, especially in reference to Jamaican Creole. 3. The language used at the intersection of art and social justice in New Orleans.
We're not quite ready for film submissions yet, but we're already getting excited to hear from you. ELIGIBILITY CRITERIA: PFF's format consists of feature and short films. Entries may be in documentary, narrative, animation or experimental form, and can be submitted by professional or amateur filmmakers. ENTRY DETAILS: Pre-screening copies must be submitted on DVD. Each entry must be labeled with title, running time, and contact information. Each entry must be accompanied by a completed entry form and submission fee. Please include press kits, publicity photographs, critical reviews, biographies of the director, and any other material relevant to the work in submission package. All submissions will be retained by the Patois Film Festival for pre-selection and archival purposes. Final preferred exhibition formats are DV cam and Mini DV.


text:
Huntsville city leaders and the Airport Authority discussed lower air fares for the area. Huntsville International Airport has some of the highest ticket prices in the country, and they want to do something about that.
Officials with the Huntsville airport have been meeting with other low cost carriers. They want to bring someone in who can make it more affordable to fly out of the airport instead of going to Nashville or Birmingham. A recent study showed that 90 percent of travelers go to those cities because the fares in Huntsville are too high.
"As you know, we are number one," said Richard Tucker, he's the Executive Director at the Huntsville International Airport. "That's not something that you want. It's okay to win a national championship but not in this particular category. Our average air fare in the country is $522."
Since AirTran left the airport in August, there has not been a low cost carrier for passengers to use - something they said they desperately want.
Albert Peterson II paid $500 for his flight to Los Angeles. He said he is part of that 90 percent who often travels for lower fares.
"I wish they would have some competitive rates so that when we are flying from Huntsville we can fly out of here with ease on our pockets and checkbooks," he said.
Every week, Clifford Chatman has to fly for work. He said he rides the waves of the fluctuating prices.
"I think that, of course, there should be lower prices because of the economy, but I don't think it's going to happen because the prices have been in that range for a while; they dip and they spike," he said.
Tucker said they have heard the concerns from their customers loud and clear.
"How are we responding? We're trying to go after and talk to airlines about new service," he said. "The Airport Authority puts incentive programs. We would spend up to $2-million in incentives to airlines that would produce a program to help us address the difficulties and issues."
You can sign the petition to support local ability to negotiate airfares here: http://www.flyhuntsville.com/
Copyright 2013 WAFF. All rights reserved.
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The Council collects and distributes various information about postsecondary education in Kentucky. The tables, graphs, and reports on the following pages require Adobe Acrobat for viewing. To obtain a copy of the free Acrobat Reader click here.
The following pages include tables, graphs, reports and maps with data at the state and institutional levels.
Information for institutional staff who submit data to the Council on Postsecondary Education.
If you are looking for data or research on a topic that is not included in the Research and Data pages, these links provide a place to start.


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- 9.22.09 asciiportal os x port tagged as ascii portal , c++ , cymon , gamedev , port
futurestack offers artistic and technological consulting. drop us an email
or use the contact form on this discreet about us page. alternatively, scope out our friends.
this is for client login. If you don't already have a username and password you don't need to worry about it. thank you!


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- Ayd Asraf
- Amman
- Jordan
Corporate Senior IT Executive - Release Team, Aramex International
This conversation is closed.
Are "Bitcoins" the future of money?
It is clear that there is still a debate raging about the future of cash. Cash is one of the other traditional bastions of the old guard of financial servicing.
Yet with mobile wallets, ebanking, contactless everything and real-time transactions, does cash really have a future?
Some say 'yes', due to the unique attributes of cash, other says 'no' due to the recent disruptive invention that is called "Bitcoins".
For those whom are new to the term mentioned above, Bitcoin is a digital currency designed to be controlled through encryption rather than a centralized authority. Operating in exactly the same way as cash, Bitcoins are fully exchangeable as an anonymous form of currency in real-time across the internet and, shortly, at Point-of-Sale.
Seems tempting right? but cannot things go bad with all of this anonymity? knowing that Bitcoins has no refund feature and it's solely left to the consciousness of the second party to refund you your money, wouldn't that be a concern?
Let me know what you think about the future of money, Bitcoins or Cash? what do you think is good & bad about Bitcoins, as well as cash?
Showing single comment thread. View the full conversation.
Linda Taylor 50+Jan 21 2014: Bit coins are just electronic S&H Green Stamps. Same concept, different decade.
Jan 23 2014: Not quite. S&H Green Stamps were more like conventional forms of currency, Bitcoins differ from this mainly because:
1. S&H Green Stamps were issued by S&H and were always exchangeable for items in their catalogue. This is comparable to having a country adopting a specific currency and having a central bank issue it. In contrast, the issuing of new Bitcoins is decentralised, and there is no place where they are always valid.
2. The supply of stamps was only limited by the resources required to make them, like a central bank they could always print more if need be. There is, however, only a limited amount of Bitcoins, as predetermined by a mathematical limit built in in the code.
3. There was no record of who held which stamps, as there is no record of who holds which cash in a normal currency. But there is a public record of who holds which Bitcoins. That is, in fact, an important part of how Bitcoin works. You may have heard that Bitcoins are anonymous, and that's true, because the 'who' in this case is a simply a number behind which could hide any person or organisation. (Think of it as a Swiss bank account: anyone with the right set of numbers can get money from it.)
Whether these innovations are truly for the better remains to be seen. The wild fluctuation against the USD is not a good sign in my opinion, because the value of a currency should be stable. But I think it is an interesting concept nonetheless.
Jan 23 2014: Well, more money leads to inflation, which is generally considered a good thing. Some reasons are listed here: http://en.wikipedia.org/wiki/Inflationism
I do not find any of those reasons truly compelling, but current-day economic systems work under the supposition that there will be a certain amount of inflation. Bitcoins therefore represent a change, the effects of which are not entirely known. That is why Bitcoins are an interesting natural experiment.
Jan 23 2014: You misunderstood me if you think I said the value of Bitcoins cannot inflate, I did not mean to imply that at all. I said that there is a limit to the total amount of Bitcoins. One possible cause of inflation is an increase in the money supply, but there are plenty of other reasons why the value of Bitcoins may suffer inflation. Disuse is a good example, if nearly no one uses Bitcoins any more, the value will drop very fast. The change that I referred to in my earlier post is the change from an economic system with a central bank that aims to CREATE (a limited amount of) inflation, to a decentralised system that aims to AVOID it.* The effects of this change are not entirely known.
* The real story gets more complicated still. New Bitcoins are actually made all the time through a process called 'mining' which is done by letting a computer solve a mathematical puzzle. The difficulty, and therefore the speed of discovery, is determined by a mathematical function established by the Bitcoin computer code. This function has diminishing marginal returns, and an an asymptotic limit. That means the discovery of new Bitcoins becomes slower and slower all the time, until the last Bitcoin which is nearly infinitely slow to mine. The amount of Bitcoins is already so great that the discovery of new Bitcoins is extremely slow, that is why, for practical purposes, you could say that the money supply is limited.
Jan 23 2014: i don't think that there is a misunderstanding as lack of understanding. you seemed to claim that the problem with bitcoin is that it can't be made more of. i replied that it is not only not necessary, but probably not even beneficial. so what is your point after all?
let's turn the tables a little bit, i explain what i think. changing quantity actually hurts money. the best money is something that has a fixed quantity once and for all. gold is something that is very close to that, it can only be slowly and costly mined. the value of gold remained high for many thousands of years. empires came and went, gold remained.
we live in the era of fiat money, which is by its nature allows easy manipulation by governments. governments routinely create new money for themselves to spend, effectively robbing us blind. being resistant to this influence is very valuable. bitcoin is, in my view, a terrible currency. but it does not stop it from spreading, because that much valuable its independent nature is.
it is only a matter of time that governments start to tax, ban or hinder its spread. you all have been warned.
Jan 23 2014: Calling it a lack of understanding is perhaps indeed more appropriate. I did not claim that it is a problem that there is a limit to the amount of Bitcoins. I only pointed out that this property is different from conventional currencies, and that this thus represents a change with unknown consequences. The very fact that the consequences are unknown to me means that I cannot judge those consequences to be good or bad.
As for your argument about fixed quantities being superior, it is deeply flawed because it ignores the demand side of the economy. You say gold keeps its value, true enough: gold has been a valuable commodity for some time. But we can say the same of oil, milk, grain, and virtually any other commodity. What does any of that prove? And while gold may have a stable SUPPLY, it has the least practical applications and so the the least stable DEMAND, of all the commodities mentioned here. This means that the value of gold can fluctuate wildly, which it does (and not just against the USD).
You also argue that governments financially burden their populations by printing money. True, but the money comes from somewhere: if it is not gained through printing, then direct taxes or lower spending. So having a fixed money supply doesn't solve your issue with the redistribution of economic goods, and it doesn't even solve your issue with inflation itself either. Because even if the total quantity of some currency is fixed, this does not imply that the MARKET demand and supply for this currency are fully correlated. That means the value of the currency can still fluctuate and that there can still be inflationary and deflationary periods.
For example, if someone with a lot of Bitcoins suddenly decides to exchange them for USD, the value of Bitcoins against all currencies would plummet. This is because the market supply is suddenly much higher while the demand has remained the same. No attempt to fix the total money supply can protect against that.
Jan 23 2014: this is what you have said: " they could always print more if need be. There is, however, only a limited amount of Bitcoins". i can not see the "inability to print more if needed" as a good or even neutral thing. so i think i assumed with a good basis that you see this as a problem.
my analysis of money is not flawed, and it has nothing with any sides of the economy. the value of money (in terms of products) adjusts. if we have half the amount, a unit of it worth twice as much. there is no right amount of money, any amount suffice. the only issue are practical, you don't want to exchange tons or micrograms of something. but with data, it does not matter at all.
the assumption that governments has to collect money somehow, therefore it does not matter is flawed for two reasons: 1, the government can reduce its spending, and indeed it is desirable. 2, tax is much better than inflation, because it is visible, fair and less damaging.
for your final example: if the entire world is using bitcoins, one player can't influence its value. also, it is highly unlikely that this person could benefit from such a transaction. it never happened with gold.
Jan 24 2014: "so i think i assumed with a good basis that you see this as a problem."
Regardless, the assumption was wrong, as I am pointing out to you now for the third, and final, time.
"my analysis ... has nothing with any sides of the economy."
That is precisely why it is flawed. There are both demand and supply factors to any market, including the money market.
"the assumption that governments has to collect money somehow, therefore it does not matter"
Again, you assume I mean something I did not say. You argued that governments effectively tax their citizens by printing money. I agreed that this is true, but pointed out that a fixed money supply will not change the tax burden. I didn't say that the way governments are financed doesn't matter, I said it doesn't matter to the amount of taxes people pay. Or, to put it in your words, we would still be robbed equally blind.
"for your final example: if the entire world is using bitcoins, one player can't influence its value."
If pigs could fly, we wouldn't need aeroplanes. The entire world is NOT using Bitcoins, and one person CAN influence the value of Bitcoins if he owns a large enough share or if the market is illiquid.
"it never happened with gold."
If the USA would sell all her gold reserves at once, the gold price would plummet. Whether the gold price was ever actually noticeably changed by one person or organisation, I do not know. I do know that is certainly within the realm of possibility, and I also know that it did happen to other commodities, e.g. cacao.
Showing single comment thread. View the full conversation.


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Aliens: Colonial Marines 'E3 2011 Teaser' Trailer
The much anticipated Aliens: Colonial Marines makes it's debut in this E3 2011 teaser trailer.
The much anticipated Aliens: Colonial Marines makes it's debut in this E3 2011 teaser trailer.
Metro: Last Light takes you back to ruins of the Moscow metro system in this teaser trailer.
GameZone continues it's In the Face! series with upcoming zombie game Dead Island.
Blizzard shows off some gameplay from the upcoming Heart of the Swarm campaign.
Mr. Toots has officially been unleashed in Red Faction: Armageddon. After completing the single-player campaign, Mr. Toots will be rewarded as a playable weapon.
New gameplay trailer that showcases DiRT 3's Rallycross, Gymkhana and Head 2 Head stages in motorsport's Mecca, Monaco.
Survive as a hero or succeed as a villain in F.E.A.R. 3's Soul Survivor multiplayer mode.
These two peas in a pod crack more skulls than you could possibly count
Skarlet makes her way to Mortal Kombat in this gameplay trailer
An extended trailer for Gears of War 3 campaign mode
The Trooper is one of the Republic's core units. In this trailer take a look at the different offensive and defensive roles throughout the galaxy in Star Wars: The Old Republic.
Mortal Kombat unveils the first DLC for the recently released game. It consists of seven pre-order klassic character skins for Sub-Zero, Scorpion, Reptile, Ermac, Mileena, Jade and Kitana and klassic fatalities for Reptile, Scorpion and Sub-Zero.
A taste of the combat system featured in Alice: Madness Returns.
Eight of Resident Evil's most notable characters band together to take on bio-organic weapons in Resident Evil: The Mercenaries 3D.
Fend off the horrors unleashed upon you as you wait for extraction in this ultimate cooperative survival experience. Scavenge weapons, reinforce barricades, and take out the enemies with whatever you find. F.E.A.R. 3 is for PS3, Xbox 360, and PC.
All will be revealed
The official launch trailer for Hunted: The Demon's Forge. Hunted is a fresh take on the classic dungeon crawl experience that delivers the intensity and action of a modern-day shooter available on Xbox 360, Playstation 3, and PC.
Dress up as Disney characters in this new multiplayer action-adventure game for Xbox 360, PS3, Wii, and PC.
You know you're in trouble when you're up against Mike Tyson in a boxing ring
GameZone brings you the opening cutscene from Trenched. Join The Mobile Trench Brigade and protect humanity from the evil Monovision menace in this Tower Defense Shooter. Trenched will be available June 22, 2011 on XBLA for 1200 Microsoft Points.


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Jerry Bader 9:00 AM - 11:00 AM
Email him: email@example.com
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American's like to spend money. Especially on food. We buy about 1,500 McDonald's hamburgers every minute! You think that's a lot?...Read More »
17 Insanely Clever Products Every Booze Lover Should Own!Read More »
I will never do it the old way again-peeling and peeling...This looks so simple!Read More »
Ingredients 2 fluid ounces gin 2 fluid ounces lemon juice 1 fluid ounce simple syrup 1 dash bitters 1 cu...Read More »
For the beer lover who has everything, now there's a new kitchen appliance that serves beer just like aKeurig. You can even adjust...Read More »
Ingredients 1/2 cup brown sugar, firmly packed 1/2 cup apple juice 4 tablespoons vegetable oil 1 tablespoon ...Read More »


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4. Naming Convention – In many cultures, children are named after their ancestors. This information can be invaluable in trying to track down previous generations. Sometimes, naming conventions in families can provide even more information. For example, Eastern European Jews typically named children after deceased relatives, not living relatives. Not only does this provide a name into the previous generation but it also provides a date range for the death of one individual and the birth of another.
5. Translated Family Names – We have talked before about how people would often anglicize their family name when they move to an English-speaking country. Anglicization is the process of making a name sound more English. Another possibility is the family (or more likely a ship's officer if your ancestors immigrated by ship) may have translated the name into English. This can occur if the family name happens to be a thing, a color or an occupation. For example, the French family name Boisvert is popular in Quebec. It directly translates into the name Greenwood in English. So, if your last name is Greenwood and you suspect that your family came from France (or Quebec) then try tracing your ancestors through the name Boisvert.
Always consider the possibility your family name was translated into English when trying to trace your family back to the 'old country'. A neat trick you can use to reverse engineer this possibility is to take your family name and run it through an online translator from English into the language of your ancestors. Just remember, this likelihood is most likely to occur if the family name happens to be something that translates easily into other languages.
6. Junior and Senior – The titles junior and senior can provide so much misinformation that we sometimes wonder if it is better to just ignore the titles. Here are some reasons why junior and senior can lead you down the wrong path. First, don't assume that junior and senior are father and son. The titles junior and senior just means there are two people in the same family with the same first name. It could be a man and his grandfather or a man and his uncle, for example. In small communities, junior and senior were even sometimes used to distinguish unrelated people who happened to have the same first name. The second major problem with junior and senior is that the title can shift over time for the same person. For example, junior becomes the senior when the senior dies. The only real information the titles junior and senior provide is that you know someone else in the family or neighbourhood had the same first name and that is all you know.


text:
Crosley® Duet Clock Radio, Black
Item # WX2-214997
- Google+
This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
- Details & Specs
Crosley® Duet Clock Radio... retro design and modern audio enhancements combine to wake you up on time!
With sleek rounded corners, an analog tuning dial and retro clock face, the Duet Clock Radio brings a vintage feel to your morning routine! Features AroundSound® design that provides a surround sound effect for an enhanced audio experience.
- AM / FM alarm clock radio with 5:1 ratio tuning dial and tuning indicator
- 3" studio driver
- Snooze and sleep functions, function select
- Adjustable volume control
- Headphone jack, auxiliary output and external antenna
- Portable audio rady - simply plug in your portable audio device or MP3 player
- Measures 5 3 / 4 x 7 1 / 2 x 5 1 / 4 ", weighs 3 lbs.
Pick yours up ONLINE today!
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text:
The following information is from the Essex County Executive's Office.
The Sixth Annual Essex County Holiday Lights Spectacular is back at the Essex County Turtle Back Zoo.
The exhibit features 50 animal and holiday-themed figures including bears, tigers and elephants illuminated by over 100,000 lights, along with holiday lights designed to look like wooden soldiers, stars and winter scenes.
The event runs at the Essex County South Mountain Recreation Complex (560 Northfield Avenue) through January 1st. From now until Dec. 14, it is open on Fridays, Saturdays and Sundays from 5 p.m. - 9 p.m. After Dec. 14, it is open every day except Christmas Eve and Christmas Day. Admission is free.
"Turtle Back Zoo will be turned into a Winter Wonderland, with extraordinary seasonal lighting exhibits and costumed characters," said Essex County Executive Joseph DiVincenzo in a press release. "Stroll the landscaped paths of our Zoo and admire the illuminated images of everything from toy soldiers to penguins."
Several animal exhibits will be open, including the Essex Farm, Tam-ring Gibbons Reserve, Tropical Currents Aquarium and the Reptile Building. Myrtle the Turtle, the mascot of Turtle Back Zoo, and several of his winter friends will be on hand to greet visitors at the Zoo. Photographs with Santa Claus will be taken at the Zoo every Friday, Saturday and Sunday until Sunday, Dec. 23.
The Zoo is collecting non-perishable food items; new, unwrapped toys; and new or gently used winter coats. Items will be donated to several organizations that provide assistance to the needy.
Last year, from Thanksgiving to New Year's Day, 13,505 pounds of food – almost seven tons – was collected for the Community FoodBank of NJ, 4,820 toys were collected for Toys for Tots and the Jersey Battered Women's Services, and 1,440 winter coats were collected for Jersey Cares.
The Essex County Holiday Lights Spectacular is sponsored by Covanta Energy, PSE&G, the Zoological Society of New Jersey and the Essex County Parks Foundation.
Hot chocolate and other refreshments will be available to purchase. For more information, please call Essex County Turtle Back Zoo at (973) 731-5800 or visit www.essexcountynj.org.


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letters to the editor, press releases, etc.) firstname.lastname@example.com
Duane Theodore Anderson
Kathy Landwehr
THE BIG LAKE LIONESS ANNUAL GARAGE SALE drew plenty of shoppers to Lions Park Saturday morning. The Lioness Club has been serving the Big Lake Community for 31 years. (Photo by Jennifer Edwards).
TREE EXPERT Gina Hugo works for the Sherburne County Soil and Water Conservation District.


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Once during your turn (before your attack), when you put Luxray LV.X from your hand onto your Active Luxray , you may switch the Defending Pokémon with 1 of your opponent's Benched Pokémon.
Does 30 damage to 1 of your Pokémon, and don't apply Weakness and Resistance to this damage.
Put this card onto your Active Luxray . Luxray LV.X can use any attack, Poké-Power, or Poké-Body from its previous Level.
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to page content
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The Resource Center has all the info you'll need From content to user feedback, the resource center has the information you need for every level of the entrepreneurial process.
US Department of Labor's resource on Health Plans and Benefits
Programs and guidance materials, including Compliance Assistance materials, are available from the Department of Labor in the areas of affirmative action, the hiring of veterans and foreign workers, the employment of workers under the age of 18, and how to implement drug-free workplace programs.
Outlines the Occupational Health and Safety Issues for Employees and Employers
Workforce Innovations 2008
To attract big talent, healthcare business owners need to think big. Here are some ways to get the best high-level hires for medical device startups and other young companies.
Employment numbers remain weak in the overall economy, and in the healcare business in particular, but the need for temporary help is forcing healthcare entrepreneurs to dig deeper into their pockets.
If you had a near-death experience, would it change your life – and the way you run your business? Read what an entrepreneur and plane crash survivor has to say.
If a healthcare business owner tracks employees' social media activity, it requires striking a balance between company reputation monitoring and employee privacy.
New healthcare businesses may find online communications a great tool for efficiency, but studies suggest hiring is best done the old-fashioned way. Read more about job candidates lying online.
Leave it to a Harvard Business School graduate to come up with a great idea for healthcare entrepreneurs. It's a service that pre-screens job candidates via video using your questions so you don't have to.
Want to get connected? Sign up to receive regular news, polls and updates from The Kauffman Foundation.


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Critics' Rating:Read review
User Rating:
41 ratings
Your Rating:Write a review
R,2hrs 37min
January 11, 2013
Columbia Pictures, Annapurna Pictures
Synopsis: For a decade, an elite team of intelligence and military operatives, working in secret across the globe, devoted themselves to a single goal: to find and eliminate Osama bin Laden. Zero Dark Thirty reunites the Oscar®-winning team of director-producer Kathryn Bigelow and writer-producer Mark Boal (The Hurt Locker) for the story of history's greatest manhunt for the world's most dangerous man.
trailers & clips
DVD Detailed Information


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15 U.S. Code § 77w - Unlawful representations
Neither the fact that the registration statement for a security has been filed or is in effect nor the fact that a stop order is not in effect with respect thereto shall be deemed a finding by the Commission that the registration statement is true and accurate on its face or that it does not contain an untrue statement of fact or omit to state a material fact, or be held to mean that the Commission has in any way passed upon the merits of, or given approval to, such security. It shall be unlawful to make, or cause to be made to any prospective purchaser any representation contrary to the foregoing provisions of this section.
Source(May 27, 1933, ch. 38, title I, § 23,48 Stat. 87.)
Transfer of Functions
For transfer of functions of Securities and Exchange Commission, with certain exceptions, to Chairman of such Commission, see Reorg. Plan No. 10 of 1950, §§ 1, 2, eff. May 24, 1950, 15 F.R. 3175, 64 Stat. 1265, set out under section 78d of this title.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
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Teens (ages 13-18)
As a teen, you want to manage your own money, whether it's from a part-time job, allowance or birthday gift. BMO makes it easy.
Chequing account
A BMO Chequing Account lets you keep your money safe and readily available for when you need it.
Planning for SchoolBMO Student Budget Calculator
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With a BMO Premium Rate Savings Account, you earn interest on every dollar you save and your money is available when you need it.
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Drinking Water:
Safeguarding the District of Columbia's Supplies and Applying Lessons Learned to Other Systems
GAO-04-974T: Published: Jul 22, 2004. Publicly Released: Jul 22, 2004.
Additional Materials:
- Highlights Page:
- Full Report:
- Accessible Text:
(202) 512-6225
Office of Public Affairs
(202) 512-4800
Concerns have been raised about lead in District of Columbia drinking water and how those charged with ensuring the safety of this water have carried out their responsibilities. The 1991 Lead and Copper Rule (LCR) requires water systems to protect drinking water from lead by, among other things, chemically treating it to reduce its corrosiveness and by monitoring tap water samples for evidence of lead corrosion. If enough samples show corrosion, water systems officials are required to notify and educate the public on lead health risks and undertake additional efforts. The Washington Aqueduct, owned and operated by the U.S. Army Corps of Engineers, treats and sells water to the District of Columbia Water and Sewer Authority (WASA), which delivers water to D.C. residents. EPA's Philadelphia Office is charged with overseeing these agencies. GAO is examining (1) the current structure and level of coordination among key government entities that implement the Safe Drinking Water Act's regulations for lead in the District of Columbia, (2) how other drinking water systems conducted public notification and outreach, (3) the availability of data necessary to determine which adult and child populations are at greatest risk of exposure to elevated lead levels, and what information WASA is gathering to help track their health, and (4) the state of research on the health effects of lead exposure. The testimony discusses preliminary results of GAO's work. GAO will report in full at a later date.
This statement discusses GAO's preliminary observations and highlights areas of further examination. One of the key relationships in the effort to ensure the safety of the District's drinking water is the one between WASA, the deliverer of water, and EPA's Philadelphia Office, which oversees WASA's compliance with drinking water regulations. Recent public statements and corrective actions by these parties clearly indicate that coordination and communication between them could have been better in the years preceding the current lead controversy. GAO's future work will examine (to the extent appropriate) the interrelationships among other key agencies (such as the Aqueduct and the D.C. Department of Health); how other water systems in similar situations interacted with federal, state, and local agencies; and what the experiences of these other jurisdictions may suggest concerning how improved coordination can better protect drinking water in the District of Columbia. Other water systems facing elevated lead levels used public notification and education practices that may offer lessons for conducting outreach to water customers. For example, some of the practices of the two water systems we have begun to examine--the Massachusetts Water Resources Authority and the Portland (Oregon) Water Bureau--include tailoring their communications to varied audiences in their service areas, testing the effectiveness of their communication materials, and linking demographic and infrastructure data to identify populations at greatest risk from lead in drinking water. WASA faces challenges in collecting the information needed to identify District citizens at greatest risk from lead in drinking water. Specifically, WASA has partial information on which of its customers have lead service lines, and is in the process of obtaining more complete information. GAO's future work will examine the efforts of other water systems to go one step further by linking data on at-risk populations (such as pregnant mothers, infants, and small children) with data on homes suspected of being served by lead service pipes and other plumbing fixtures that may leach lead into drinking water. Nationally, much is known about the hazards of lead once in the body and how lead from paint, soil, and dust enter the body, but little research has been done to determine actual lead exposure from drinking water, and the information that does exist is dated. In our future work, we will examine the plans of EPA and other organizations to fill this key information gap.
Sep 15, 2014
EPA Regulations and Electricity:Update on Agencies' Monitoring Efforts and Coal-Fueled Generating Unit RetirementsGAO-14-672: Published: Aug 15, 2014. Publicly Released: Sep 15, 2014.
Sep 12, 2014
Missouri River Flood and Drought:Experts Agree the Corps Took Appropriate Action, Given the Circumstances, but Should Examine New Forecasting TechniquesGAO-14-741: Published: Sep 12, 2014. Publicly Released: Sep 12, 2014.
Sep 9, 2014
Bureau of Reclamation:Availability of Information on Repayment of Water Project Construction Costs Could Be Better PromotedGAO-14-764: Published: Sep 8, 2014. Publicly Released: Sep 9, 2014.
Aug 11, 2014
Environmental Regulation:EPA Should Improve Adherence to Guidance for Selected Elements of Regulatory Impact AnalysesGAO-14-519: Published: Jul 18, 2014. Publicly Released: Aug 11, 2014.
Jul 28, 2014
Drinking Water:EPA Program to Protect Underground Sources from Injection of Fluids Associated with Oil and Gas Production Needs ImprovementGAO-14-555: Published: Jun 27, 2014. Publicly Released: Jul 28, 2014.
Jul 16, 2014
Coastal Zone Management:Opportunities Exist for NOAA to Enhance Its Use of Performance InformationGAO-14-592: Published: Jul 16, 2014. Publicly Released: Jul 16, 2014.
Jul 15, 2014
Helium Program:BLM's Implementation of the Helium Stewardship Act of 2013GAO-14-751T: Published: Jul 15, 2014. Publicly Released: Jul 15, 2014.
Jul 9, 2014
NOAA Aircraft:Aging Fleet and Future Challenges Underscore the Need for a Capital Asset PlanGAO-14-566: Published: Jul 9, 2014. Publicly Released: Jul 9, 2014.
Jun 30, 2014
Climate Change Adaptation:DOD Can Improve Infrastructure Planning and Processes to Better Account for Potential ImpactsGAO-14-446: Published: May 30, 2014. Publicly Released: Jun 30, 2014.
Jun 16, 2014
Pesticide Safety:Improvements Needed in EPA's Good Laboratory Practices Inspection ProgramGAO-14-289: Published: May 15, 2014. Publicly Released: Jun 16, 2014.
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Hallelujah, What a Savior - Today's Christian Videos
Press the button below if you liked this video! Thank you! =D
1,313 views
Posted By soundingjoy 2010-10-02T02:07:49
What wondrous love came down, and was nailed to the cross for us, sealing our pardon in His blood, halllelujah, what a Savior!
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Context: Modern Contemporary Furniture In Atlanta
Store Profile
- Location: Atlanta, Georgia
- Website: contextgallery.com
Atlanta is one of the South's design capitals, and it's got a good crop of modern furniture stores. Located near Georgia State University, Context is one of them. It's a resource for contemporary European furniture, with a strong emphasis on Italian designers.
Brands include Magis, Vitra, Flos, Cappellini, Cassina, Knoll, Tom Dixon, and e15. In addition to new pieces, they also have a small selection of vintage finds and a rotating group of items on clearance. Although they have a good website with photos, they don't conduct sales online — you have to call for pricing and more info.
- Canapo by Franco Albini
- 190 Aire Sofa by Piero Lissoni
- SF05 Bess Lounge by Stefan Diez
- Catifa 53 by Lievore, Altherr, Molina
- Saari by Lievore, Altherr, Molina
- EC03 Eugene by Stefan Diez
- Vision Next by Pierre Mazairac & Karel Boonzaaijer
- InOut by Paola Navone
- Sweet 40 by Paola Navone
- Totem by Vincent van Duysen
3 Comments
major disrespect to books in that photo with the 'canapo,' the rocking couch thingy. whoever staged that photo shoot is NOT a reader.
Its about time y'all posted something for Atlanta and if we are one of the South's design capitals why can't we get a section on AT?
THey do have some beautiful things at context, and it's in an unexpected location. My friends and I like to call it "the chair museum" because it is laid out in such a way that you can really appreciate the design of each item.


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Greg Schiano wants to clear up any confusion about the Buccaneers' quarterback situation.
"We have a starting quarterback. It's Josh Freeman," Schiano said. "I'm not looking to find a new one."
Schiano's comments are a response to story published Sunday on National Football Post that quotes Schiano as saying he was "not against" rookie Mike Glennon winning the starting quarterback job this year.
The story further fueled speculation from national media the Bucs' brass was not pleased with Freeman.
"That's inaccurate," Schiano said. "I believe in competition, but I also believe that Josh Freeman is our starting quarterback."
Last season, Freeman set franchise records in passing yards (4,065) and passing touchdowns (27), but was wildly erratic during a late-season five-game losing streak. The Bucs then used their third round pick to draft Glennon while Freeman enters the final year of his contract.
Freeman said there was "no question" it was his team but welcomed the addition of Glennon. "If something happens to me, you want a guy who can keep it going and win some games," said Freeman.
Freeman also has an advantage over Glennon in the knowing the Bucs' playbook. "I think my college [North Carolina State] prepared me well for it," Glennon said, "But it's definitely more intense. There's more to it. It's more complex."
Schiano also wanted to squash rumors of a strained relationship between him and Freeman.
"Believe it or not, we actually have a good relationship," said Schiano.
"I've gotten to know Coach Schiano pretty well, and he's a guy you're proud to play for," Freeman said.
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NYC Parks Events Calendar
Get up, get out, and do something! Just about any day of the year, you can find something fun, informative, and healthy to enjoy at an area park. Feel free to browse the listings below, or use the search tools to find an event that matches your interests and location.
Viewing 21–30 out of 15,833 events
from September 12, 2013 (x) to April 25, 2026
Thursday, September 12, 2013
Workshop: How To Apply For DCA Artists Grants with BCA
at Poe Park Visitor Center (in Poe Park), Bronx
3:00 p.m.–4:40 p.m.
A workshop for Bronx artists. Learn how to apply to DCA grants and get your projects funded.
Category: Talks
CANCELLED: Summer on the Hudson: Human Chess
at Soldiers and Sailors Monument (in Riverside Park), Manhattan
4:00 p.m.–6:00 p.m.
Play as your favorite game piece and navigate the chess board from inside at our Human Chess games, where chess becomes a embodied team sport. All levels welcome!
Category: Festivals, Games, Kids
Garden Crew
at Swindler Cove Park, Manhattan
4:00 p.m.–6:30 p.m.
Help maintain the Sherman Creek Gardens and join our Garden Crew on Thursday evenings this spring through fall.
Category: Nature, Volunteer
CityParks PuppetMobile Presents Little Red's Hood
at Hells Kitchen Park (in Hell's Kitchen Park), Manhattan
5:00 p.m.
Little Red's Hood is a fresh retelling of the classic "Little Red Riding Hood" tale updated with a modern sensibility that will appeal to kids.
Category: Kids
NYRP City Chicken Institute
at Imani Community Garden, Brooklyn
5:30 p.m.–7:30 p.m.
Come learn about the benefits of raising chickens in an urban setting and perhaps even start your own coop.
Category: Education, Nature, Kids
LiveNation Presents: Violent Femmes
at Rumsey Playfield (in Central Park), Manhattan
6:00 p.m.
Doors: 5:00 PM Information available at www.livenation.com
Category: Concerts
Computer Resource Center Open House: St. John's Recreation Center
at St. Johns Recreation Center, Brooklyn
6:00 p.m.–8:00 p.m.
Visit for an opportunity to learn about DigitalWork NYC, RECYouth: REEL Education for Youth and multimedia computer classes! Non-Recreation Center members will receive a free, one-day pass while supplies last.
Category: Education
Computer Resource Center Open House: DigitalWork NYC at St. Johns Recreation Center
at St. Johns Recreation Center, Brooklyn
6:00 p.m.
Are you age 16-26, out of work and interested in earning money while learning computer skills? Join the Open House for more information on DigitalWork NYC.
Category: Education
Friday, September 13, 2013
Art Exhibit: Invasive Pigments
at Queens Botanical Garden, Queens
8:00 a.m.–6:00 p.m.
Invasive Pigments is a series of watercolor-like paintings which explores the migration and proliferation of weeds and other "unintentional" plants in tandem with human…
Category: Education, Nature, Art
Farmer's Market Friday
at Queens Botanical Garden Farmers Market (in Kissena Corridor Park), Queens
8:30 a.m.–4:00 p.m.
Get fresh produce, nuts, coffee and nut butters from the Farmer's Market.
Category: Markets, Food
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- Know about an event that's not on the calendar? Send us a tip!
- Planning an event and considering hosting it in a park? Make sure to read our Planning an Event page.


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Ole Miss guard Marshall Henderson, the leading scorer and 3-point shooter in the Southeastern Conference this season, won the C Spire Howell Trophy Monday as the state's top male college basketball player
Mississippi State's Martha Alwal won the C Spire Gillom Trophy as the best female college basketball player.
Henderson, a 6-foot-2 junior college transfer, beat out Rebel teammateMurphy Holloway, Ole Miss' all-time leading rebounder, and Southern Miss senior guard and leading scorer Dwayne Davis.
Henderson led Ole Miss and the SEC in scoring (19.7 points per game), in three point field goals (121) and in free throw percentage (.877).
"I don't know if there's a better shooter in the country," said Ole Miss Head Coach Andy Kennedy, describing Henderson's long-range shooting this year. "Marshall is fearless and is always ready to take the big shot in a game. He's a special competitor and does a great job of firing up our team when we're down or in a funk."
Mississippi State sophomore center Martha Alwal, a 6-foot-4 all SEC All-Defensive team selection, led the team in scoring (12.1) and rebounding (9.7).
Alwal, who recorded 16 double-doubles and 78 blocks for the Lady Bulldogs this season, edged out point guards Jamierra Faulkner of USM and Valencia McFarland of Ole Miss.
"She's just a great person, a great player and a great leader," said Mississippi State head coach Vic Schaefer in describing Alwal's accomplishments. "I told our sports information director two years ago before the beginning of the season to remember her name and it turns out there was a lot to remember."
Henderson and Alwal received the awards at an awards luncheon sponsored by C Spire Wireless and the Mississippi Sports Hall of Fame and Museum.
Copyright 2013 MS News Now. All rights reserved.
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Business Degree Helps Houstonian Tell The World About Her Company
Leslie Friedman's business degree gave her the skills she needs to pitch the excellent services of The Houstonian Hotel to patrons the world over.
Houston Educator Uses Her Degree To Support Students In And Out Of The Classroom
Elaine Nosser says many teachers have mastered the art of knowing when to be a teacher, when to be a disciplinarian and when to be a mentor or sounding board for their students, which really helps these young learners to flourish.
Houston Nurse Uses His Education To Combat Childhood Obesity One Meal At A Time
Michael Alba uses his nursing experience to combat childhood obesity through healthy, kid-friendly food.
Houstonian Helps Keep Others Safe With Firearms Training Business
Helping to keep others safe and training them to protect themselves is meaningful work for Houstonian Warren McGalliard.
Technical Degree Is Key To IT Solutions For A Houston Business Owner
John Beach is the owner of CMIT Solutions of North Houston, where he services the technological needs of small- and medium-sized businesses. Here he discusses his engineering and information technology experience.
Psychology Degree Helps Improves Customer Service At Houston Business Solutions Company
Janet Flewelling of Houston-based Insperity discusses her career in human resources and her psychology education.
Education Degree Helps Head Of Houston School Create Quality School Environment
Nathan Barber talks about how his education has helped him guide the education of others.
Business Degree Helps Houstonian With Online Success
Roberto Mejia of Houston's Zizinya Web Solutions discusses his background in computer science and business.
Houston Nurse Uses Education To Help Other Nurses Find Their Career Paths
Carmen Kosicek discusses her role as a nursing career coach and how a degree in this field opens many doors of opportunity.
Educator Uses Her Degree To Help Houston's Youngest Prepare For The Future
When discussing how to increase achievement in schools, early childhood education and preschool is often brought up as a way to help young learners get ahead.


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Faculty Appointment Details Form ("FAD")
August 6, 2013
Effective August 8, 2013, the FAF will no longer be used for new faculty hires. In the new HR platform (sometimes called HCM, other times called EBS) departments hiring new faculty will be required to complete the above FAD form instead of the FAF. The completed FAD should be uploaded in HCM at the time the hiring manager wants to "Create an Offer" in the system. The FAD, along with the candidate's CV, should be included in the "Create an Offer" stage, which will then route to the Provost's Office for approval.
Faculty Appointment Form (FAF)
August 6, 2013
Faculty Title Matrix - Regular and Special Titles
August 23, 2011
Matrices explains which schools/units are allowed to hire which kind of faculty, as per the Faculty Handbook. In addition, the matrices show which faculty titles are available to which units..
200 Gibson Hall, Tulane University, 6823 St. Charles Avenue, New Orleans, LA 70118 504-865-5261 firstname.lastname@example.com