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South Carolina church gives every elementary school student new shoesUPDATED 6:56 AM EST Dec 06, 2013
NewSpring Church gave away more than 700 pairs of shoes and socks to every student at Grove Elementary School in Greenville County, South Carolina.Video Transcript
GROVE ELEMENTARY IN GREENVILLE COUNTY... NEWS FOUR PHOTOJOURNALIST DANIEL CROWE WAS THERE AS CLASSES WERE CALLED TO THE GYM TO RECEIVE THE GIFTS. TRT 1:21 30:55 MOST OF OUR FAMILIES ARE BELOW THE POVERTY LEVEL 31:12 WE HAVE CHILDREN WHO WEAR SHOES THAT ARE TOO SMALL OR SHOES THAT ARE THREE SIZES TOO BIG BECAUSE THEY BELONG TO SIBLINGS SUPER - DEBBIE BAUER - PRINCIPAL 29:45 NEWSPRING CHURCH HAS ABSOLUTELY BEEN WONDERFUL TO GROVE 29:56 THEY HAVE CONTACTED US FOR THE SECOND YEAR TO PROVIDE SHOES FOR EVERY CHILD IN THE SCHOOL SUPER DAVID NASIM - NEWSPRING CHURCH 35:56 SO WE'RE GOING TO BE PUTTING OVER 700 SHOES ON THE STUDENTS HERE AT GROVE ELEMENTARY SCHOOL. 31:04 THIS IS A GIFT TO US BECAUSE IT MEANS THAT MY CHILDREN WILL BE ABLE TO COME TO SCHOOL MORE PREPARED TO LEARN NATS MONTAGE SHOE PUTTING ON WHAT'S YOUR NAME? TRESS? NICE TO MEET YOU - I'M JOSH. ALRIGHT YOU READY? CLOSE YOUR EYES, I'M GOING TO COUNT TO THREE. ONE, TWO, THREE! SOCKS, YOU GOT A PAIR OF SOCKS AND, YOUR READY? THERE YOU GO! YOU LIKE THE COLOR? I LIKE THEM MYSELF THOSE ARE PRETTY SWEET! ONE, TWO, THREE! DUM DUM DUM DUM! 3:14 THOSE KIDS WILL REMEMBER WHAT SHES DOING FOR A LONG LONG TIME. 5320 THEY WILL BE ABLE TO TALK TO THEIR TEACHERS ABOUT IT. THEY'LL BE ABLE TO TALK TO THEIR PARENTS ABOUT IT. SHES REALLY MAKING IT PERSONAL. AND THATS ONE OF THE THINGS THAT THEY DO THATS REALLY SO AMAZING TO ME. THEY MAKE THINGS PERSONAL FOR EVERY CHILD. SO THATS PART OF THE MAGIC OF THIS DAY. THIS IS THE SECOND TIME SHOES WERE HANDED OUT AT GROVE ELEMENTARY... IN ORDER TO BE SELECTED FOR THIS DONATION--SCHOOLS HAD TO GO THROUGH A SELECTION AND INTERVIEW PROCESS. DALE WHAT'S THE WEATHER GOING TO BE LIKE TODAY? breezy, very mild on friday with more scattered showers and possible thundershowers. again especially the mountains. cloudy, much cooler with patchy rain on saturday. a cold rain on saturday night and sunday.except mixed with freezing rain in the north
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Strategies for Survival: Dealing with Infant Loss
Mack and her husband were able to hold two of their babies. "I needed to see them. I needed to see they were real. I will never be sorry that I did that. My little girl Nicole looked exactly like my husband."
Seek Support and Keep Communication Lines Open
The loss of a child is in the top tier of the stress scale, according to Johnston and Campbell. They urge parents to regularly check in with each other, participate in support groups, and recognize different—even conflicting—emotional needs may emerge as they grieve.
Mack and her husband set aside time each night to talk about their children. "We almost count the days until it is time for a meeting," Mack says. "It is very freeing to be able to sit in a room with people who understand, and they can tell you how they cope day to day. The days you think you're losing your mind, someone is there to say, 'No, you're not. We've all felt the same thing.'"
Sometimes friends and family assume they should avoid the subject altogether with grieving parents. Johnston cautions, "The truth is they do think about it. They are going to be upset if you don't talk about it." For those at a loss for words, she suggests, "I'm sorry this happened. There are no words that are going to take away the pain." Campbell adds, "Just silently sitting there and listening is huge."
Prepare for Uncomfortable Moments
To help diffuse difficult situations, the social workers recommend that parents discuss how they will handle Mother's and Father's Days, due-date anniversaries, and conversations with acquaintances and colleagues.
Johnston and Campbell encourage that parents arm themselves with a short, automatic response such as "Thanks for asking. Unfortunately, there were complications, and the baby didn't survive," so when parents run into people, they don't feel the additional panic of what to say on top of their pain.
To address the initial flood of calls of concern, they suggest a general voicemail or email saying, "Thanks for calling. We appreciate your thoughts and prayers," or appointing a close friend or family member to be the communicator.

subset: commoncrawl


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NRMA Insurance NOVA Sandmans
If you want the NRMA Insurance Nova Sandmans to come to your event, fill in your details below and we'll let you know if we can help.
Wanna join the Nova street team?
Email your resume now to Jason at jogrady [at] novaentertainment [dot] com [dot] auand tell us why you would be an awesome NRMA Insurance Nova Sandman!
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MMA News
Mike Tyson Would Have Loved To Fight In MMA If Paydyay Was There | MMA NEWS
"I want to slam them, I want to hold them, I want to choke them. That's what you want to do anyway if you're in a street fight right? You want to hit them, but you want to get them too, real good. Get them down, get on top of them. So, you have more aspects. If it's not working this way, you can kick them in the fucking head, you know? If they (MMA) had big paydays, yes, no doubt about it."
Check out the full video interview on the second page of this entry.


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Shrimp Newburg
1 tablespoon garlic butter
2 teaspoons country Dijon mustard
2 teaspoons flour
1/2 teaspoon seafood seasoning
1 pound peeled/deveined shrimp (thawed, if needed)
1/4 cup cream sherry
1 (10.75-ounce) can condensed cream of shrimp soup
1/2 cup reduced-fat milk
1. Preheat large saucepan on medium-high 2–3 minutes.
2. Place garlic butter in saucepan; swirl to coat. Stir in mustard, flour, and seasoning. Cook 1–2 minutes, stirring constantly, or until well blended and bubbling.
3. Stir in (in this order) shrimp, sherry, soup, and milk. Reduce heat to medium; cook 8–10 minutes, stirring occasionally, or until shrimp are opaque and sauce thickens. Serve over mashed potatoes. CALORIES (per 1/4 recipe) 240kcal; FAT 9g; CHOL 190mg; SODIUM 900mg; CARB 10g; FIBER 1g; PROTEIN 25g; VIT A 6%; VIT C 4%; CALC 10%; IRON 15%
Duchess Potatoes
24 ounces refrigerated mashed potatoes
1. Place potatoes in microwave-safe bowl. Cover and microwave on HIGH 4 minutes or until potatoes begin to get hot.
2. Stir in butter and cheese; microwave on HIGH 3 more minutes or until thoroughly heated. Stir and serve. CALORIES (per 1/4 recipe) 240kcal; FAT 15g; CHOL 30mg; SODIUM 670mg; CARB 21g; FIBER 1g; PROTEIN 3g; VIT A 10%; VIT C 0%; CALC 6%; IRON 2%
Sautéed Spinach
1 tablespoon garlic butter
10 ounces fresh spinach
1/2 teaspoon salt
1/8 teaspoon pepper
1. Preheat large sauté pan on medium-high 2–3 minutes.
2. Place garlic butter in pan; swirl to coat. Add spinach, salt, and pepper. Cook 4–5 minutes, stirring frequently, or until spinach wilts. Serve. CALORIES (per 1/4 recipe) 40kcal; FAT 3g; CHOL 5mg; SODIUM 370mg; CARB 3g; FIBER 2g; PROTEIN 2g; VIT A 130%; VIT C 35%; CALC 8%; IRON 10%
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"El Gato 2: Hunting the Big Cat" DVD from Stoney Wolf Productions®
Item # WX2-212206
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"El Gato 2: Hunting the Big Cat" DVD. Mountain lion hunting at its best!
Experience wild hunts off horses and mules through some of the most rugged and beautiful country with this 75-minute journey. Heavy on bow and rifle hunts, with a tremendous amount of lion footage collected over 7 years of filming and 30 separate hunts. Want to see a lion? Well, you'll certainly see one here.
You'll feel like you rode along, saw the country and watched for the tracks of the lions, their scratches that mark the trails of a big tom. Running time: 75 minutes.
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Outlander stars show up at BAFTA Tea Party held in Beverly Hills
[x] Dylan's proud of Tyler after answering a fan's question.
*falls backward off a cliff*
Emilia Clarke is recording a Futurama episode.
Dylan O'Brien playing Quidditch in 'The Internship'
@mocomama Adam Scott loves our new book (out next month)!! Even better- his kids do too! @TheMotherCo #stc @milkandbookies http://img.ly/tjqq


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Harold Robbins' The shroud
Harold Robbins and Junius Podrug
Adult Fiction ROBBINS
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Madison Dupre
Age: 34
In financial debt; discovers her hated associate is still alive after his presumed death; accepted an offer of cash to help track down a religious artifact.
Art expert
Henri Lipton
Wanted for art looting; offers Madison money to help him find a painting of Jesus.
Art expert


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Hill returns for his senior season with 102 career catches for 1,675 yards and 13 touchdowns to his credit.
Hank Hobson In The Spotlight
Blake Brady In The Spotlight
Austin Hill in the Spotlight
The Wildcats open the 2014 season on Fri., Aug. 29 with a match-up against UNLV at 7:30 p.m. on ESPN.
From the 2013 senior class, offensive lineman Chris Putton (regional development), kicker Jake Smith (economics) and snapper Brian Chacon (engineering management) also earned their degrees.
The two teams will meet in Tucson at Arizona Stadium in 2021 with a game in San Diego at Qualcomm Stadium in 2022.
The Wildcats open the 2014 season on Fri., Aug. 29 with a match-up against UNLV at 7:30 p.m. on ESPN.
Arizona and Mississippi State will battle for the first time on the gridiron in 2022 at Arizona Stadium in Tucson.
Arizona Athletics has a special offer for Father's Day. Available now.
The Wildcats' season opener hosting UNLV will be played on Fri., Aug. 29 at Arizona Stadium. Kickoff is set for 7:30 p.m. MST/PT on ESPN.


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Same-day delivery is retail's new frontier
How sweet it would be to make an online purchase in the morning and receive a package that afternoon. That's nearly instant gratification.
This post comes from Summar Ghias at Dealnews.
Ever purchased something online from the comfort of your home, only to wish your retail therapy had provided you with more instant item-in-hand gratification? We have good news: You won't have to wistfully twiddle your thumbs for days anymore, as major retailers are feeling the push to dole out various iterations of same-day delivery.
Instant access to online orders has become a battleground for retailers, as it affords them a means of beating out the competition. And this translates into comfy at-home pajama-clad shopping, while you marvel at the speed at which your purchases are delivered to your door.
While Amazon Prime users have enjoyed two-day shipping since 2005, same-day delivery on a grand scale has proved to be far less cost-effective. In 2009, the online giant launched same-day delivery (what they call "local express delivery") in 10 cities including New York, Boston and Washington, D.C., but never expanded further. Now, rumor has it that Amazon is gearing up for a broader launch as it opens warehouses across the country.
However, this time around, Wal-Mart, eBay and several others (including non-retailers) are not far behind. By utilizing third-party carriers, local stores and warehouses, or partnering with brick-and-mortar shops, these major players are looking to up the ante for customers who are no longer satisfied with standard mail.
Here's how you can expect to see your delivery options change in the coming year. (And if you're lucky enough to live in San Francisco, you might have access to several of these methods already.)
Amazon wants to shave a day off delivery
Speculation abounds with regard to Amazon's next move, but one thing is clear: The online retailer remains the competitor to beat. With service in 10 cities already in place, and more warehouses to open across the nation, and with talks of delivery lockers at partner stores such as Staples and 7-Eleven, Amazon company executives told The New York Times they'd be able to cut as much as a day off of two-day shipping times. You do the math.
EBay taps chains for delivery in two coastal cities
EBay launched eBay Now last August in San Francisco, and expanded the service to New York City in November. The pilot project involves partnering with Macy's, Target, Office Depot and Best Buy to deliver their goods the same day that they're purchased.
Customers use an app to order an item on their phone or computer, and an eBay valet hand-delivers it before the end of the day for $5. The project is meant to expand to other cities further down the line.
Wal-Mart uses its stores as warehouses
Perhaps the most-buzzed-about new same-day-delivery provider, Wal-Mart is setting out to give Amazon a run for its money. The massive chain is shrewdly deciding to use several of its 4,000-plus brick-and-mortar locations to test run same-day delivery in Virginia, Philadelphia, Minneapolis, San Jose, Calif., and San Francisco. Wal-Mart will use UPS to deliver select popular goods for a flat rate of $10 if customers place their order before noon.
The use of local stores, as opposed to warehouses, provides the company with an advantage that other retailers don't have -- a dense, widespread and well-established reach across the nation. But Wal-Mart won't expand the service to all stores just yet; it's still seeing how consumers react to the option during the test phase.
Google mysteriously buys up a delivery service
Google continues to be vague about its latest operations, but the company recently acquired BufferBox, a service that delivers e-commerce goods to kiosks. The intention, according to an emailed statement to Bloomberg, is to help consumers save time and money. It also ensures that customers get their packages at safe locations, so there's no need to be home for delivery.
While this differs from same-day delivery to the home, it competes with the likes of Amazon's locker system as a method of obtaining packages delivered close by.
USPS finds new revenue with Metro Post
The U.S. Postal Service is also testing a fledgling same-day-delivery service in San Francisco. Called Metro Post, it partners with 10 retail chains, including 1-800-Flowers, that have both online and physical storefronts in northern California in order to facilitate easy same-day shipping. Consumers would be able to place an order with a retailer until 2 or 3 p.m. and receive their purchases between 4 and 8 p.m. that day.
According to postal regulatory filings, Metro Post is projected to generate between $10 million and $50 million in new revenue from deliveries in San Francisco alone in the coming year. If all goes well, the service could be expanded to 10 other cities.
Shutl and the rise of third-party start-up carriers
Several third-party startup carriers are attempting to ride the same-day-delivery wave as well. Shutl, a London firm, aims to deliver online goods within the hour of purchase. The service is set to launch in New York and San Francisco, and products will be delivered once bought online from retailers that have brick-and-mortar stores within 10 miles of the recipient's home. Foot, bike and car carriers from existing courier services will deliver the goods.
Other companies like Postmates started offering similar deliveries at $6.99 for more than 20,000 products from more than 3,300 stores in San Francisco last year. But with failures from other startups such as Kozmo, retailers aren't sure if the trend will bring in the sales they would like.
Do we need instant retail gratification while shopping online?
Same-day delivery with online shopping still has a ways to go before it's a reliable household expectation, but the trend is popping up now with a vengeance. The verdict is still out on whether or not Amazon can get ahead of the pack, or if brick-and-mortar stores like Wal-Mart will prove the most savvy of them all.
Readers, what do you think of the increased focus on near-instant delivery? Do you think it's a necessary option? Are there any San Francisco residents out there who have tried these beta services? Sound off in the comments below.
More on Dealnews and MSN Money:
- 12 things that will be more expensive in 2013
- The best and worst things to buy in January
- The year in consumer news: Best and worst of 2012
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Matt Duke's New Single "Needle and Thread" Available Now!
Matt Duke's new single "Needle and Thread" just released last Tuesday - January 18th! This track is from his upcoming sophomore album One Day Die, which is set to drop March 29, 2011. Be sure to pick up this song, cause it's some of Matt's best music that he's ever crafted.
In case you're unfamiliar with this young gent, you can watch him perform the song acoustic RIGHT HERE on his website. Check it out!
Happy Belated New Year - From All Of Us @ Ryko!
The Posies - Blood/Candy
#1 Album of 2010 via Huffington Post - 10 Records That Made 2010 More Bearable
Allison Moorer - Crows
#15 - Jon Farber's Top 50 list for the NY Daily News
#42 - GAC: Top 50 Americana Albums of the Year
Justin Currie - The Great War
#10 - Jon Farber's Top 10 List for the NY Daily News
Will Hoge - The Wreckage
#66 - The Top 100 Americana Albums of the Year
Megan McCormick - Honest Words
#13 - Amazon: Outstanding 2010 Albums You Might Have Missed
Awaiting The Flood: Top 20-Something Best Of 2010
Music Connection: Top 20 Signings of 2010


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North Park Lexus of San Antonio has built a state-of-the-art facility to serve your luxury automotive needs. The new car showroom houses many of our models in a comfortable setting. Our lot displays one of the largest and most pristine pre-owned car inventories in San Antonio.
We have a service waiting area that provides our guests a Lexus Cafe prepared to serve you a European style cappuccino, latte, espresso, steamed milk, hot chocolate, Italian soda, hot caramel apple cider, morning pastries, hot popcorn, warm Otis Spunkmeyer cookies, daily fresh fruit and candy/nut varieties. Our premium coffee is free-trade certified, organic and freshly roasted locally!
We have a private massage room to pamper you with a complimentary chair massage while you wait. Enter your glass-enclosed private massage room and relax to the trickling sound of water sliding down the waterfall wall. We will take you away to another place while you wait for your vehicle! You will start looking forward to your oil changes!
611 Lockhill Selma Rd.
San Antonio, TX 78216
View Our New Lexus Inventory.
Find your perfect pre-owned vehicle from our extensive inventory.
Schedule appointment & get status updates from your Lexus technician.
Learn about our Lexus Technician Expert, watch how-to-videos and learn the benefits of owning a Lexus.
Welcome our two newest Models
Arriving this Fall, stop by North Park Lexus of San Antonio to test drive the all-new Lexus NX and RC F. Simply contact North Park Lexus of San Antonio to receive more information on the Lexus NX and RC F today!
At North Park Lexus, it's our mission to provide the drivers of San Antonio TX and surrounding locations with prestigious, luxury cars, SUVs & Hybrid Vehicles from Lexus. From unparalleled customer service to world-class quality, we implement our high standards every day to meet your exacting expectations as customers by selling the finest new and used Lexus cars ever built. As a certified Lexus dealer in San Antonio, we go above and beyond to implement our expertise and experience to assist your every need.
Whether you're pursuing a purchase or lease of a new or used Lexus, our vast inventory unites uncompromising quality with grandeur. Our model selection includes a wide array of Lexus Cars, SUVs and Hybrids which include the LS, GS, ES & IS Sedans, LFA, RC F & IS F Performance, IS C Convertible, LX, GX, NX & RX Luxury Utility and LS, GS, RX & CT Hybrid vehicles. From 2000 to 2013 models, our dealership has a Lexus that's perfect for you.
As Your local Lexus Auto Dealer, located in San Antonio TX, North Park Lexus is proud to provide new and used Lexus cars, parts, accessories and service to the fine drivers of Alamo Heights, Aransas Pass, Boerne, Canyon Lake, Corpus Christi, Del Rio, Floresville, Gonzales, Jourdanton, Karnes City, Kerrville, Kingsville, Laredo, Olmos Park, Pleasanton, Port Aransas, Robstown, San Angelo, San Antonio, Schertz, Uvalde and surrounding South Texas areas.
Call or visit North Park Lexus today to experience the finest luxury cars ever built. For service inquires, contact our Service Center, and for parts inquiries, please contact our Parts Center.
Let North Park Lexus be Your local Lexus auto dealer!


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Tibetan Buddhism
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Can Work, Sex, and Money be part of Spiritual Practice?The opening paragraphs of Chogyam Trungpa Rinpoche's Work, Sex, Money: Real Life on the Path of Mindfulness, More »
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Tibetan Buddhism and Social EngagementThis panel discussion is from the 2010 International Conference on Tibetan Buddhism. Chaired by Dr. John Makransky, the featured keynote speakers were Lama Pema Wangdak and Dr. Jan Willis. Additional panelists included Acharya Fleet Maull, Ven Karma Lekshe Tsomo, Diana Rose, and Tsoknyi Rinpoche. Tibetan Buddhism and Social Engagement from Carol Beck on Vimeo. More »
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When our spiritual journey beginsOnly when we have a genuine, abiding desire to free ourselves from suffering and all its causes does our spiritual journey begin. That original desire is very potent and very real. It is the basis upon which we enter the path that will lead us to our goal. Yet from the point of view of the Vajrayana, or tantric, school of Buddhism, there is no place to go on that path, no end of the road where we will one day satisfy our thirst for liberty. Why? Because the very thing that we are looking for—freedom, wakefulness, enlightenment—is right here with us all the time. Adapted from a 2004 talk given by the Dzogchen Ponlop Rinpoche. To read the complete talk, visit Young Tibet Online. More »
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A Mandala to puzzle overNext time you find yourself trapped indoors on a rainy afternoon, here's an idea for an activity that will keep you occupied: piece together Pomegranate's Tibetan Mandala puzzle. With over 1,000 randomly shaped pieces, the 20" by 27" puzzle is sure to focus your attention. For all you puzzle enthusiasts, you can purchase the Tibetan Mandala puzzle here on Amazon.com. We wish you the best of luck—be sure to send us photos of your progress and any helpful building advice. We're thinking about getting one for the Tricycle office! To learn more about mandalas, check out Himalayan Art Resources' "What Are Mandalas?" page. More »
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Beyond the World Cup
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How the clouds of thinking clear & 6 Words of Sage AdviceKen McLeod is currently leading a Tricycle Retreat (you can listen to his first talk to "The Way of Freedom" here). Included in his teaching is his translation of Tilopa's Pith Instructions on Mahamudra. (Tilopa is considered the founder of Tibetan Buddhism's Kagyu lineage.) Here's a verse: Mists rise from the earth and vanish into space. They go nowhere, nor do they stay. Likewise, though thoughts arise, Whenever you see your mind, the clouds of thinking clear. More »


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(based on 57 reviews)
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(1 of 1 customers found this review helpful)
Don't understand the good reviews
By Steve-Annie
from NYC
Comments about Self Threading Needles:
I bought these a while back and tried three different ones. They ALL just broke the thread, so I gave up!
Bottom LineNo, I would not recommend this to a friend
Was this review helpful? Yes / No
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I would by these anytime.
By grandma 3
from Madison WI
About Me Experienced, Novice
Very easy to use.
Bottom LineYes, I would recommend this to a friend
Great Gadgets
By Linda
from Alexandria,Virginia
About Me Experienced, Regular Seamstress
i love how easy these are to use. It is hard for me to see regular needles but these make sewing easy. I will use them often.
Easy to thread needle
By Sewing Bonnie 1937
from Crosss Lanes, WV
About Me Experienced
Older people will find this is really easy to use
(2 of 2 customers found this review helpful)
Well Satisfied withproduct.
By Jim
from Silver Spring, MD
My wife is a quilter and lost about 80% of her sight due to Glaucoma. With this product she is able to thread her own needles without my help.
(3 of 3 customers found this review helpful)
I've looked for several years for these!
By Rusty Top
from Donna, Texas
About Me Experienced, I Make My Own Clothes
The first set I received years ago from a friend. But over the years I lost some, and gave some away. I looked everywhere for them to buy but to no avail until now. At last I was rewarded for my efforts! I now have 2 sets to use or to give some away if I chose, but you can bet I'll keep most of them for myself. I love them. My friend knew me well when she gave me some, and they were the greatest gift I ever received from a friend.
good idea gone wrong
By mom in colorado
from thornton,co
thread does not ease into needle so sometimes the thread breaks and every needle has some "nub" on it that has to be scraped off or it will not sew trough cloth
I would not buy this product again.
By Jeanine
from Colorado Springs, Colorado
To small to thread properly.
very hard to use
By fam
from Van Etten ,NY
They are not what I wanted .I wanted an easy thread needle ...they are difficault to put the thread on .NOT like I seen on TV. they were a waste of my money. And I was going to share them with my 80 year old mother who is a quilter.....
Self Threading Needles
By Kay
from Jarrettsville, MD
I use these for mending and basting. I had issues with spiral eye needles as the thread kept poping out. I don't have that issue with these.


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WAUSAU, WI (WSAU) - Marathon County's Board of Supervisors has an additional option on the table for future courthouse space and department facilities. The county's Executive Committee narrowed down the options to two in early November, but now their consultant has put a new option on the table.
County Board Chairman Gary Wyman says it's a long term process designed to get the most efficient use of space and convenience for everyone that uses county services.
He says the board will probably discuss all three options at Tuesday's meeting. Wyman says actual construction may not start for years, but they want to develop a plan now based on what is needed.
Preliminary plans call for tearing down the older southern section of the existing courthouse and adding more space on top of the courthouse and to the east and west sides. Early estimates put the construction costs around 65 to 70 million dollars.
Plans also include a new two story jail addition and several security features for court-related areas of the building.


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God Matters: Readings in the Philosophy of Religion
by Raymond Martin (Author), Christopher Bernard (Author), Douglas Geivett (contributing author)
God Matters is a state-of-the-art, accessible anthology of the major issues in philosophy of religion. Its accessibility is due to its mix of classic readings and brand new readings about contemporary issues, commissioned specifically with an undergraduate student in mind. These commissioned readings make the difficult concepts of contemporary philosophy of religion easy to understand, and are complemented by key excerpts from more technical philosophers' writing on the same subjects. The result is an engaging, comprehensive reader that introduces students to the most important ideas in classical and contemporary philosophy of religion, to the most important thinkers, and even to excerpts from the key texts in which these thinkers presented their groundbreaking theories.
Purchase this book
Faculty Member
R. Douglas Geivett
Professor of Philosophy


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Hart County went on a 13-0 run to end the first quarter of its District 18 match-up with LaRue's Lady Hawks and never looked back last week in posting a 78-41 win Feb. 24.
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- Color
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Offers & Perks
My Real Deal Concealer is the ideal antidote to those flaws that have always plagued you: childhood scars, dark under eye circles, birthmarks, uneven lip lines. (Even that no-longer-relevant tattoo).
This is a concealer that can hide anything! It's the perfect counterpart to my sheer Phenomenal Foundation, in a shade that's matched to your skin.
What else?
Laura Geller Beauty
|Ethylhexyl, Palmitate, Polybutene, Isohexadecane, Diisopropyl Adipate, Calcium Carbonate, Polyethylene, Disteardimonium Hectorite, Beeswax (Apis Mellifera), Dextrin Palmitate, Retinyl Acetate (Vitamin A), Tocopheryl Acetate (Vitamin E), Tetrahexyldecyl Ascorbate (Vitamin C), Bisabolol (L-Alpha), Centella Asiatica (Gotu Kola) Extract, Camellia Sinensis (Green Tea) Leaf, Water, Propylene Carbonate, May also contain:, Mica, Titanium Dioxide, Iron Oxides, Chromium Oxide Green, Chromium Hydroxide Green (CI 77289), Ultramarines
Use sparingly. Apply with a brush or fingertips, and blend lightly.
Real Deal Concealer works to match your complexion, your look, and your life perfectly.


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Fire Captain Edward McGarry was not on the clock yet. Luckily, he had his equipment and knew that he had to work quickly when he saw smoke and flames.
Driving along his usual morning commute from Marshfield Monday, McGarry spotted a burning car among the pine trees in the median of Route 3 in Rockland, he said.


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Briann January of the world champion Indians Fever says you can do anything if you live a disciplined life.
That was just one word of wisdom the former Lewis & Clark High star left with SWX's Michelle Dapper in a sit-down interview that aired on SWX Wednesday night.
"Success is up to you, you will be as successful as you let yourself be," said January. "If you set goals and stay disciplined and do what it takes to get there you can achieve whatever you want."
January said it is finally sinking in that she and her teammates won a national championship. It is a sweet accomplishment given where she has been. After an injured ACL took her out of the lineup in her third season in the WNBA, she battled back – and so did her teammates – and helped her team win a title.
To me, that is the beauty of sport. Yes, the act of performing sport is beautiful and exciting. Playing sports and watching sports be played is entertaining and fun. But it can also be inspiring. It proves what the human mind can accomplish. It demonstrates what we – what I – can do if only I put in the effort, even when I don't want to do it.
Brian January took a difficult situation – a torn ACL – and made the most out of it.
"I learned patience, that is the biggest thing, patience with myself," she said. "It gave me a chance to sit back and see the game from a different perspective. And I became a better basketball player and a better point guard because of that."
And that, my friends is inspirational.
Congratulations, Ms. January on a national title. But even more, congratulations on overcoming difficulty and showing us how to do it well.


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For those gamers out there who like the Playstation 4, and according to Sony there are already a reported 9 million of you, then by now you will no doubt you will have been scouring the internet in a bid to track down the best and most affordable headset to accompany your spanking new console. Fear not, good readers, for Gioteck has the solution in the all-new EX-05 HD Gaming Headset.
Technically capable and aesthetically pleasing, the Gioteck EX-05 weighs in at a mere 1.4 lbs and headphone has dimensions of 8.7 x 7.9 x 4.1 inches with a weight of 1.4 pounds. But the pleasures described in the units specifications do not always amount to a genre leading experience.
The main problem, as we see it, for Gioteck is that in their bid to become the affordable option for the gamer on a tighter budget that somewhere along the lines during production compromises must be made to keep the manufacturing costs down. Unfortunately this means that the performance of the unit is rather underwhelming when you stand it alongside its rivals. ( albeit that said rivals have a far greater price tag )
Yes, the unit boasts some pretty decent gadgetry 'under the bonnet', so to speak, but when push comes to shove the Gioteck EX-05 just does not have enough horses to compete with Ferrari's and Pagani's of firm favourite thoroughbred's such as Turtle Beach and SteelSeries.
The days of the uniformed consumer are long gone, and Gioteck should really have known better, particularly being that this very pastime we all love and favour is a based on technology and keeping abreast of the latest developments and breakthroughs so that a player may better enhance their own experiences. Take the very console that the EX-05 is reinventing itself for, the PlayStation 4. This is a 'next generation' system, but Gioteck are hoping that you have last gen knowledge and that even though you have just forked out a whopping £400 to play your Killzone Shadowfall on the very cutting edge of console technology, that you will not mind slapping any old bean cans on your ears to 'enjoy' the sound. Really…Gioteck?
Yes, the unit comes armed with a fairly decent set of over the ear cups, complete with integrated speakers that do provide adequate performance for the layman, but all in all it ends up being a lesson in mediocrity for the more experienced gamer.
However, it's not all doom and gloom for the UK-based manufacturer.
The Gioteck EX-05's do have a certain appeal in that there is absolutely nothing like them on the market, and certainly no other company has had anything even remotely approaching the brass cojones to bring gamers an affordable option as opposed to milking them for every penny they can. Without a shadow of a doubt the EX-05 is a competent headset, especially when you consider that its nearest competitor is a staggering £100 out of reach.
In its favour the EX-05's do have an arsenal of pluses, and very few minuses, such as the outstanding build quality, value for money and compatibility with just about every major format from the Xbox360 and PS3 right through to the PC and PlayStation 4. ( it is also possible to take advantage of the units cost-effective pricing for the Xbox One by purchasing one of the official adaptors from Microsoft. Xbox One Stereo Headset Adaptor )
Compatibility with the PlayStation 4 does come at a cost thanks in no small part to the enormous 12 foot wire draping itself snakelike across your gaming room floor, ( six times this cable was detached by dogs, people and children even though it was laid as flat to the floor as we could possibly get it without actually nailing the damn thing there ). The set up is tricky and fiddly and will, no doubt, require Gioteck to upload a helpful 'How To' video guide on their Youtube channel.
Don't misunderstand us here, either. The Gioteck EX-05 is still a very good headset, especially considering the price, but we would argue that it is aimed more toward the casual gamer as opposed to the more core player.
Sound issues for the hardcore gamer arise when trying to play either solo or multiplayer, and they are legion. In any shooter title players will be left uncertain as to the direction of encroaching footsteps, just as they will be unable to identify the location of a gunman taking potshots at them
Hissing is also a major problem with dialogue in solo campaigns sounding like it is being performed by Daffy Duck, and when we tried to rectify the situation by reducing the volume another issue reared its ugly head when the sound quality was adversely affected and instead of delivering deep, rich tones, as promised, the EX-05's sounded 'tinny' and hollow with a distinctly 'plastic' feel.
Racing games where also an ordeal as due to the loud and aggressive nature, not only of the cars but also the accompanying soundtracks, the EX-05's struggled to make any kind of sense of the myriad of different sounds coming out of the console and so the result was a blotchy mess of muffled music and monotone motors.
Maybe if Gioteck decided on which section of the gaming market they wanted to appeal to the resulting peripherals would have some direction, but until this happens then we fear the products are likely to remain cheaper alternatives with little attraction other than a budget stop-gap as you save for the 'real thing'.
This is truly a shame, as Gioteck do have some great idea's and are not short of talent in the design and manufacturing departments. This has been proven time and again with some genuine gems such as their HF-02 controller and the excellent docking stations. But, Gioteck do need to decide what they want to be noted for, quality or budget products.
The main problem, as we hinted at earlier, is that in today's market gamers know that now more than ever the phrase, " you get what you pay for ", has never rang more true. Gioteck should take note of this and understand that gamers don't actually mind spending a little more on a peripheral just as long as the item they are buying delivers on the promises made. For this sentiment, and also for the reasons listed above we award the Gioteck EX-05 Wired Gaming Headset a 6 out of 10


text: Minnesota Timberwolves guard Brandon Roy will miss at least the next month after undergoing arthroscopic surgery on his right knee Monday. Roy has had six other operations on his knees. He has missed the last four games and did not practice last week. Roy, 27, retired in December 2011 because of a degenerative condition in his knees, but decided to make a comeback this season, signing a two-year, $10 million contract. . . Cleveland Cavaliers guard Kyrie Irving will miss at least one month with a broken finger. Irving fractured his left index finger on Saturday against Dallas . . . The Charlotte Bobcats announced that forward Tyrus Thomas is expected to miss approximately two months with a torn muscle in his lower left leg. No surgery will be needed. Thomas suffered the injury during Saturday night's loss to Memphis.


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Celery and Stilton au Gratin
This can be served either as an accompanying vegetable, or I actually think it is nice enough to serve as a vegetarian main course with some nutty brown rice.
Serves 2
This recipe is from A Year in My Kitchen
Start off by trimming the celery stalks and cutting them into 5-6 inch (13-15cm) lengths so they fit snugly into the gratin dish.
Now arrange the celery over the base of the gratin dish and season with salt and pepper. Crumble the Stilton all over the celery, tucking it into any gaps as well, then spoon the crème fraiche over, using a spatula to spread it evenly all over the surface.
Then transfer the dish to the centre of the pre-heated oven and cook for 25 minutes until the top has browned nicely and the celery stalks are tender.
|Print Page
Copyright © 2009 Delia Smith/NC Internet Ltd, ALL RIGHTS RESERVED.


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A new IKEA store planned for Centennial, Colorado (just outside Denver) will be heated and dosage for tramadol for dogs cooled by geothermal energy.
IKEA got assistance from the discount site viagra fine scientists at NREL in designing and constructing a geothermal system located under the store's parking garage. At 500 feet under the ground, 130 pipes will pump liquid that will help to only here generic levitra india heat or cool the store depending on the time of year (in the summer, ground temperatures will keep the liquid cooler than surface air and vice versa in the winter).
During times of extreme temperatures, the geothermal system won't be able to get the job done on its own, but during most of the www.privateeryachts.com year, the system should be able to maintain comfortable temperatures in the store. IKEA is using this location, which opens next year, as a pilot test for the technology and if it's successful, the company plans to install similar systems in other North American stores.
We all know big box stores are total energy hogs, so it's exciting to see a company that runs those type of purchase propecia online stores replacing some of the traditional energy sources they use with clean energy.
via Triple Pundit
written by Doc Rings, August 27, 2010
The manager of the store said that the temperatures were controlled remotely from Lowes HQ five states away in North Carolina. Seriously?
written by Tom Canup, August 28, 2010
written by carson, September 02, 2010
written by Margi K, September 17, 2010
Thank you.
And Tom Canup.... look up 'geothermal'
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Photographer Chris Majors captured in vivid and glorious detail the long life puja offered to FPMT spiritual director Lama Zopa Rinpoche at Land of Medicine Buddha in California. You can see all of his photos from the festive and beautiful day on Chris' Flickr page.
The long life puja, held on Sunday, September 29, 2013, included the special dance of the five dakinis in accordance with advice given by Khadro-la (Rangjung Neljorma Khadro Namsel Drolma) for Lama Zopa Rinpoche's health and long life.
Dagri Rinpoche, Yangsi Rinpoche, Geshe Ngawang Dakpa as well as Tenzin Ösel Hita all attended the puja, which was offered by FPMT Inc. Board of Directors and FPMT North America with logistical support from local FPMT centers and projects. Tenzin Ösel is the recognized reincarnation of FPMT founder Lama Yeshe. For the puja, he composed and read praises for Lama Zopa Rinpoche.
In addition to hosting the long life puja, Land of Medicine Buddha hung dozens of Tendil Nyersel prayer flags. FPMT centers, projects and services are encouraged to continue to do the practices for Lama Zopa Rinpoche as advised by Khadro-la, which include hanging the Tendil Nyersel prayer flags as well as reciting Most Secret Hayagriva mantra and organizing animal liberations. More information is available on the page "Rinpoche's Health – Official Updates and Practices."
If you've hung Tendil Nyersel flags at your center, send your pictures to Mandala! (Submission information here.)
Mandala brings you news of Lama Zopa Rinpoche and of activities, teachings and events from over 160 FPMT centers, projects and services around the globe. If you like what you read on Mandala, consider becoming a Friend of FPMT, which supports our work.
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Mandala print magazine is published in January, April, July and October. Mandala is available via the Friends of FPMT program.


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Share your comments
Black as night : a fairy tale retold
Doman, Regina.
Teen Fiction DOMAN
Doman, Regina.
Teen Fiction DOMAN
What other readers are saying about this title:
pizza said:
Retelling of Snow White. Just as awesome as its prequel. Follows the tale of the Briar sisters and their true loves - yes, this is just as good as any Disney fairytale. You heard me. Just. As. Good.
posted Aug 24, 2010 at 9:58PM
Hannah said:
It was amazing! Full of suspense and romance =) Loved every bit of it!
posted Oct 3, 2010 at 6:26PM
Hannah said:
It was amazing! Full of suspense and romance =) Loved every bit of it!
posted Oct 3, 2010 at 6:26PM
A.E.C.M. said:
It's the second book of the series, and a retelling of Snow White. I found it quite good, but much more mature and serious then the first book. Blanche was going through a lot throughtout the book, and as a result most of the book was depressing. But it ended well, and I really liked the twists. I cannot wait to read the next book! I believe it has Rose as the main character.
posted Dec 23, 2012 at 6:13PM
Cathreadstoomuch said:
The fairy tale retold series is so good but I would say 13 and up
posted Jan 28, 2014 at 9:04PM
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Breach is a 2d platform game that is still work in progress. I am the only one working on it. There are some old versions, one was for a competition, and the other was just plan old. I have leaned a lot since i started, so of course i re did it.
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The Lighthouse Blog
Birch Bay residents weigh in on water woes
Published on Wed, Dec 2, 2009 by
Jack Kintner
Read More
About 40 Birch Bay residents attended the first of a series of quarterly meetings held by Whatcom County Planning and Development Services last weekend to give the Birch Bay community a look at how
the state plans to use a comprehensive watershed characterization study that was done in 2007.
"We don't want this to end up as just another study," said senior planner Peter Gill, "we don't want to re-invent the wheel, we would like it to start turning."
A federal grant was used to create a pilot study to look at ways of adjusting land-use laws with a view toward watershed and stormwater management. The study is now being duplicated in watersheds in the Puget Sound basin, but Birch Bay was first in part because of the number of studies that have been done in the past, making it one of the most thoroughly inventoried watersheds in the state.
It was also a good candidate to be a model study because of rapid growth and the periodic need to close the shellfishery due to pollution.
The project was carried on by state and county agencies and groups such as the Puget Sound Action Team.
"In terms of how the watershed characteristics affect development plans, we find some areas that should be preserved because they're in good shape. Others are good for development of various kinds and still others ought to be restored," said Gill.
Future plans include a meeting early in 2010 with various stakeholders such as developers, farmers living in the upper watershed, and Birch Bay residents to work on implementation details and then return in the spring to the community in an open-house style meeting to show more specific implementation plans.
For more information, visit the Whatcom County planning and development services website at


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Incredibly light, yet also reliably warm, the Mizuno Breath Thermo Windtop is a half-zip high-tech piece that is a must-have for cold weather runs. Breath Thermo® fibers, strategically placed, change body moisture to heat so that you can have lasting dryness and warmth on frigid days. A small side zip pocket provides ample media storage while thumbholes at cuffs help to keep heat in.
Please include any relevant information such as weekly mileage, training or race pace, or foot type.
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text:
Place for FullStack Gaming to get organized
This is for Tera members in our guild Senior CItizens.
This is the Official forum for the TERA guild Equity Syndicate on the Ascension Valley server. All members can join free, we can keep better track of guild activities here than in-game.
equity, syndicate, #tera, official, forum, guild, ascension, valley, server


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Brown Glitzy Polishes: PUPA Lasting Color Glossy Nail Polish in 809 and GOSH Nail Lacquer in 612 Galaxy
A fan of neutral nails? Update them for Fall with formulas that have plenty of glitz in them! I'm not talking glitter polishes. I'm talking about those that contain a truck-load of ultra-fine natural or synthetic mica particles in multiple colors.
A long-time favorite of mine is Chanel's Graphite, but here are 2 affordable shades that look oh-so-chic and neutral, and at the same time really glam and sparkly.
809 is a deep sparkly polish with bronze-brown-gold-pink-olive flecks that goes on evenly and becomes opaque in 2-3 coats.
GOSH Galaxy goes on beautifully in 2 coats and does not translate well on camera, but is gorgeous in real life because the olive gold tones are shot through with unexpected blue sparks.
The bonus is they have all the sparkle effect of glitter polishes, but dry smooth to the touch and are not a pain to remove.
What are some of your favorite sparkly mica polishes?


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For sale is a custom 1979 Chevrolet C10 Long Bed located in our Indianapolis showroom. This awesome 79 C10 has been nicely customized and... More
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Up for sale in our Tampa showroom is this chopped Rat-Rod. Built off a 1969 C10 chassis this rod is a true head turner... More
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Fans of the '70s this 1978 Chevrolet C10 pickup will bring back good memories of a wonderful time. Forget your Bicentennial quarter collection your... More


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Sports Cupcakes
Have a ball at your party with sporty images printed on edible sugar paper. Surprise them with one dozen personalized Happy Birthday cupcakes!
Choose your sport below. All cupcakes are frosted in white vanilla buttercream with white sprinkles.
Order Monday - Friday by 4pm EST for next-day delivery in NYC!


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Ask the Readers: What Do You Want to Know About the Economics of Health Care?
Published on - August 24th, 2012 (by J.D. Roth)
Today's "ask the readers" is a little different. Instead of giving another GRS reader advice, we're asking you to give us advice.
For years, GRS readers have been asking for more information about health insurance and health care. We spend a lot of our money on health care, and that will only increase as we age. With all of the political wrangling recently over the Affordable Care Act, it's difficult to know exactly what's really going on and what our choices actually are.
With that in mind, we've contracted with a professor who teaches Health Economics and Policy at Texas A&M (and regularly reads Get Rich Slowly) to write a limited series of articles using up-to-date research to answer your most pressing questions.
Of course, first we need to know what your most pressing questions are! You might, for instance, be wondering:
- What are the reasons for skyrocketing health care costs in the US, and are they worth it?
- Does keeping up with the Joneses really lead to worse health outcomes, and if so, what can you do about it if you're not one of the Joneses?
- All those acronyms… what's an FSA vs an HSA? When can you and when should you use one or the other? Are HMOs all bad? HMO, PPO, FFS, ACO, what are the pros and cons, which is right for you?
- What should I know about Medicare? Medicaid? SCHIP?
- Rumors about the Affordable Care Act — what's true and what isn't? (What is your favorite rumor?) How is universal coverage in Massachusetts working out, and will lessons learned there apply to the rest of the U.S.? Was the Supreme Court "right"? What will new options be?
- How will health costs change in the future?
- What programs are available for low income families?
- What if your employer doesn't offer health insurance? What if you're self-employed? What are your options?
- What should I do if I think my insurance company made a mistake in my billing? Do they make mistakes? When and why?
- What kinds of careers are available in the health care sector, and is health care really a growth industry?
These are just a few common questions. Are they questions you have? What would you like to know about health care? Leave a comment if you'd like a post on any of these topics, or if there are other topics that have been burning a hole in your brain. We want to know what interests you!
This article is about Ask the Readers, Health & Fitness
I'd like to know more about the penalties for opting out of coverage.
Also, I'd like to look further at whether the new rules will be financially sustainable for private insurance companies. Will this drive them out of business leaving the fed as the only solution?
The penalty will be a monetary fine levied through the IRS.
When medicare was passed that put the federal gov on the hook for the health outcomes of life long smoking. Then all of the sudden the government was concerned about consumers.
I'm hoping for Insurance Lobbies VS Corn Syrup, Beverage, and Junk Food Marketing Lobbies.
I've seen canned spaghetti sauce that has HFCS as the number one ingredient — And that is supposed to be part of an entree? Commonly paired with the simple carbohydrate of pasta??
My family is greatly involved in healthcare, from a doctor to multiple nurses and front office staff (office manager, billing department). How will ACA affect them?
My thoughts are the office staff, besides a possible layoff, won't be affected much. but for the doctors and nurses, lower pay and higher malpractice insurance seem to be coming.
None of those concerns are valid really. The reason is the 80/20 rule. Health insurance providers are mandated to spend at least 80% of the premiums on actual service. This is a good indication that they're bringing in at least 20% profits. When your business is profiting that much, it makes no sense to cut benefits. Furthermore, reducing expenses would also have the corollary affect of reducing profit, something no investor wants.
At least 20% profit? There is no way they are making 20% profit. Have you ever heard of overhead? It is very exensive having all those fancy buildings and all those departments they switch you to when you call with a question.
Not even Apple makes 20% profit. You've been misinformed.
Go read about it on healthcare.gov, that 80% is for medical care. The 20% is for all the cost of running the business, even a small BCBS like Delaware has over 700 employees and it costs alot a money to run a business.
Insurance is a low margin business. The 20% is to cover overhead including fraud investigations. Medicare and most non-profit private health insurance companies run about 5% overhead. However, overhead is not profit.
Definitely want to know more about HSAs and FSAs. Why doesn't everyone have an HSA/FSA if it makes your health care dollars stronger? What are the benefits of HSAs/FSAs, and if the benefits are good for most people, then why doesn't everyone have one? Are there barriers that prevent people from getting an HSA/FSA? As stupid as this sounds, why can't all (many?) health care costs be paid with pre-tax dollars?
Years ago we saved money in an HSA and I'm wondering if it's still as complicated today as it was then– I was always filling out paperwork/mailing in little stubs, for every little medical bill in order to get reimbursed. It seemed tedious and the tracking was stressful. I've gotten more on top of my finances so maybe now it would be easier to manage now.
And this reminds me of my other question…
if I sign up for the HSA to go with my private individual high-deductible ins. plan (I checked and it is an HSA eligible plan, btw), can I use my HSA dollars to pay for medical costs for my whole family, or just for my own?
Funds in your HSA account, even if it is an individual account, may be used to pay for qualified expenses for you AND your family members.
I administer the benefits at my (very small) company and HSA's always smelled like a scam to me. So I have to try to *guess* my health care costs for the next year? And if I guess wrong it could cost me money? That seems to contradict the whole point of health insurance.
The brokers and HMO's seem to be selling HSA's pretty hard. What's in it for them?
Well,I know the rules have changed recently and since we no longer have one I can't speak to their current usefulness, but for several years they were a real gift to larger families or people with health conditions. Not having dental or vision insurance, we knew we could always do the maximum and have no trouble using all that was in it.
I'm very pleased with my HSA, which I've had for seven years. We all incur medical expenses at some point(s) in our lives, and the HSA simply forces us to save for those unfortunate occasions while also offering incentive by using non-taxable income and opportunities for investment.
The main thing I like though is the concept. We don't expect our auto [collision or comprehensive] insurance to pay for oil changes, replacing worn shocks, car-washes, or new tires. We have auto insurance to help us out with major repair/replacement expenses after a mishap, and we have liability insurance to protect us and others on the road. I don't expect my [high deductible] health insurance to pay for routine tests and doctors' visits. I do expect it to help me out when something so expensive happens to my health that I can't handle it. I am reponsible for maintenance of MY own health, and I'm personally responsible for those expenses, but I think it's nice that the government doesn't tax me on the income I save and promise to use only for those health purposes. I do still have to buy insurance however, and I know firsthand how nice it is to have that HSA-savings ready to go, and to have the insurance ready to kick in for major (insurable) expenses.
To me the HSA epitomizes the GRS philosophy (besides "spend less than you earn"): Save in an emergency fund for unexpected expenses (car, home, health, etc.) – but with incentive granted by the IRS in the case of healthcare – and still have relatively low-cost high-deductible insurance to cover you for expenses beyond what you can afford.
I can try to answer your questions based on my knowledge of how my HSA works.
What are the benefits of HSAs/FSAs, and if the benefits are good for most people, then why doesn't everyone have one?
The benefit of the FSA is you're using pre-tax money for expenses. This is particularly useful if you can't itemize deductions or your medical costs.
The HSA has the same benefit, plus the funds can earn interest through various investment vehicles, and when the interest is used for medical expenses, is also not subject to taxation. I believe my company markets this as a triple tax advantage.
There is risk in putting money into an FSA if you can't accurately predict how much medical expenses you'll incur in a given year, because that money disappears at the end of the year. That's not true of the HSA, but you are supposed to have a High Deductible Health Plan in order to have the HSA, and some people don't want to (or can't afford to) front that kind of money – having to shell out $1050 to $3000 – before getting any coinsurance coverage.
Are there barriers that prevent people from getting an HSA/FSA? As stupid as this sounds, why can't all (many?) health care costs be paid with pre-tax dollars?
One barrier might be that your employer doesn't offer it. HSAs and FSAs are an employer benefit, but if a company is being newly mandated to offer health insurance, they might pick a plan with the HSA since they tend to be cheaper than PPO/HMO insurance (To answer the other reply, what's in it for them? It's less insurance risk on the insurer. Also HDHP customers are more likely to forego unnecessary medical care or find cheaper alternatives, also saving the insurer money).
Can I use my individual HDHP + HSA for my family's expenses?
I had to look this up, and yes you can. You can be audited for your purchases by your insurer, or whoever runs the HSA (usually a 3rd party bank), or possibly the IRS.
Thanks, Tom! That clears a lot of things up for me.
Thanks for the answers Tom. So helpful!
I, like most, seem to be in a "no win" situation with health insurance:
HSA isn't available from my company, as I do have a low deductible, but I get a maximum of only $2000 total benefits per year, which explains why I am paying off a $13,000 balance in "out of pocket" expenses for my knee surgery last year post-tax– ugh!
Peter Schiff explains the healthcare crisis in his new book, The Real Crash. One of the main problems is that the federal government incentivizes employer-based health insurance through the tax system. So, if you lose your job or get a new one, you lose your coverage, and, if you have a pre-existing condition, it will be hard to find new coverage at an affordable rate. If the government stepped out, and allowed the market to decide, then people would get their own coverage (some may still get it through their employer – or both). That way, you don't have to switch coverage should you lose your job or get a new one, so any pre-existing condition won't matter. This would also make people more price sensitive (when was the last time you looked up the price of an X-ray?). Also, routine, expected things like check-ups and one-time visits should not be covered: you just end up paying for administration and profits for the insurance company.
The problem isn't the big bad insurance companies: it's the government's well-intentioned but disastrous system.
Why should the insurance exchange be limited to the state level?
Some argue that eliminating the state regulations would cancel state-level patient bills of rights, thereby removing insurance companies from being required to provide cancer coverage. I think that if we are going to have a federal level mandate saying that you must have health coverage, then they could easily mandate a standard level of coverage (including cancer) so the insurance companies wouldn't have to be held to so many small regulations. Opening it up to more competition, thus lowering prices. Money is the underlying force, and if used properly to leverage, we can use choice to lower prices and still offer help to those less fortunate.
Very well said. More competition would mean lower prices, better coverage, and more rapid advances.
One thing I'd really like to know – why have so many states gotten rid of old-fashioned high-deductible catastrophic insurance? I don't know about the rest of the country, but in so many NE states HMOs are your only option; and they are so much more expensive.
I've almost found the opposite. In the last few positions I've had, high-deductible plans with HSA's have been pushed hard. At one place it was the only thing offered.
I'd like to know the economic effect our current very much capitalistic healthcare system is having on socialists countries. My coworker thinks that our current system drives all the innovation in world healthcare industry and if the crazy profit motive goes away in US which he suspects will happen with Obamacare or UHC, the world will come to a standstill in terms of developing medical advances.
It makes sense. In technology there is a term "early adopter". The people that buy ridiculously overpriced and underdeveloped technology that pays the cost of R&D and eventually allows companies to come out with a much improved iteration of the product at lower cost. I do wonder if US is the world's healthcare early adopter.
People approaching Medicare age need to have better understanding of how much that is going to cost the person. When company sponsored ins has been provided, it's pretty upsetting to find out 3 months in advance, how much it's going to cost. As you are about to have less income, your costs go up. I have learned that my orig amount will be higher bec I am still working and make more than a certain amount. Beware! Do more research than I did! Company benefit depts are not helpful! They can't wait to get rid of you!
If Obamacare brings healthcare costs down, will it bring wages of healthcare workers down with it, ultimately attracting less qualified and gifted individuals to the field as they go to more lucrative fields? And if the answer is yes, will we then as a result see the quality of healthcare diminish?
Besides obesity, alcohol, street and prescription drugs, fast food, cable tv and alcohol, the one thing that is killing the American healthcare system is Medicaid.
A Canadian's perspective on why US cannot contain it's health care costs. Please note – the numbers are just for illustration, and have no actual value.
The people pay an insuance company 100,000,000 per year. 30,000,000 is profit, leaving 70,000,000 for care.
The hospital receives 70,000,000 per year. 21,000,000 is profit, leaving 49,000,000 for care.
The employment agencies employing all doctors, nurses, and support staff receives 10,000,000 per year. 3,000,000 is profit, 7,000,000 pays the staff.
The technologies cost 10,000,000. 3,000,000 is profit, 7,000,000 is the cost of the technology.
The drugs cost 10,000,000 per year. 3,000,000 is profit, 7,000,000 is the cost of the drugs.
Legal costs 19,000,000 per year. 6,000,000 is profit, 13,000,000 is the cost of the lawyers and lawsuits.
Total cost for the system: 100,000,000
Total spent on care: 34,000,000
I want to know if anyone has looked at a National Health corps that is funded like the VA and Military health system.
What I propose, is that the Medicaid and Medicare be staffed by MDs and Nurses that have committed to work a a given salary in exchange for their training. Right now the best way to pay for being a doctor is college ROTC scholarship or a state funded program to agree to serve in an under served area. With the student loans being where they are and the need for MDs and nurses what it is, why don't we use the ROTC model for MDs and BSNs. They would make a living salary and the reimbursement rates issue would not be there.
We already have a single payer system for Medicare and Medicaid. This would also allow for more preventive care for those who need it and may not have the resources.
We are discussing a financial issue, paying to care for our citizens, but we discuss everything but the finances.
I really hope that there is a big HSA push in the future. It's mutually beneficial for all parties involved. You shop around when you're gonna buy a tv right? Why wouldn't you shop around when you get a $10,000 MRI? Just because you're not paying the upfront costs, people wonder why their premiums go up ever year??
That's not how it worked out with Medicare Advantage. Let's learn from our lessons, privatization is not always a panacea.
Wow! Can't wait for this series. Thanks JD and Joann!a


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Cherry Gelatin Supreme
Comment on this recipe
2 cups water, divided
3-ounce package cherry gelatin
21-ounce can cherry pie filling
3 ounces lemon gelatin
3 ounces cream cheese, softened
1/3 cup mayonnaise
8-ounce can crushed pineapple, undrained
1 cup miniature marshmallows
1/2 cup heavy whipping cream, whipped
2 tablespoons chopped pecans
In a large saucepan, bring 1 cup water to a boil. Stir in cherry gelatin until dissolved. Add pie filling; mix well. Pour into a 7x11-inch dish. Cover and refrigerate for 2 hours or until set.
In a saucepan, bring remaining water to a boil. Stir in lemon gelatin until dissolved. In a small mixing bowl, beat the cream cheese and mayonnaise until smooth. Beat in prepared lemon gelatin and pineapple. Cover and refrigerate for 45 minutes.
Stir in the marshmallows and whipped cream. Spoon over cherry layer; sprinkle with pecans. Cover and refrigerate for 2 hours, or until set.
Judy Vukelich, Davenport
(More recipes)
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Two employees and one customer hid in a walk-in cooler as a robber looted a Circle K store in Claypool early Tuesday morning.
The trio was able to call 911. When Gila County sheriff's deputies arrived, they confronted the suspect as he walked out of the store.
Joseph Bullis, 29, was taken into custody without incident.
Deputies learned from the manager that the suspect walked in and said, "This is a stickup."
Bullis walked through the store, filling his pockets with candy bars and a beer, sheriff's investigators said.
Bullis was booked into the Gila County Jail on charges of armed robbery and possession of drug paraphernalia. Bullis is currently being held on a $25,000 bond.
Copyright 2013 CBS 5 (KPHO Broadcasting Corporation). All rights reserved.


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I loved this. So much that I can't wait for the next instalment. But it is not on audible yet and I can't find the download anywhere else but iTunes (where it is very expensive). Please please please make the rest available audible!


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It's pretty common to hear people talk about their college years as life-changing experiences. College is a time when people go out on their own for the first time and take big steps in figuring out who they are. That was the case for me.
When I graduated from Missouri's Hannibal-LaGrange College, I was a very different person from who I was when I first stepped foot on campus. Most of the major changes in my life are because of the specific opportunities I found at a Christian college.
There were many differences between the pre-college Tara and the post-college Tara. Here are three of them:
When I started college, I was a "baby Christian." My Bible knowledge was very limited. I'd tried to read the Bible but I just didn't get it. I thought the Old Testament was especially confusing. I didn't understand all those laws, rituals and sacrifices. I didn't see how any of it applied to me.
Because I didn't get the Bible, I had no interest in even trying. However, Old Testament was a required general education course at Hannibal-LaGrange. I never would have taken this class on my own, but it opened my eyes. I began to see that God instituted the laws and rituals to show people his holiness.
Other courses made God's Word come alive in ways I never would have discovered on my own. As an upperclassman, I took classes in analytical Bible studies and used tools like Bible dictionaries and commentaries. My professors challenged me to go beyond the surface and look for the deeper meaning of a passage. And the amazing thing: I learned how!
The post-college Tara enjoyed reading God's Wordand God gave me a hunger to read more. Now, when I experience trials or need direction from God, I know where to look for guidance and how to view Scripture's meaning. I understand how the Bible connects with my daily life. It's not an old book of hard-to-understand ideasit's a living light.
The pre-college Tara was pretty sheltered. I grew up in a rural Illinois farming community where I didn't interact with people of different backgrounds, worldviews, ethnicities or beliefs. Everybody was pretty similar and I was comfortable in this "bubble." That all changed the day I started college.
Never before had I been surrounded by people from so many different backgrounds. I studied algebra with a student from Zimbabwe. In literature class, one of my friends was from Panama. I met other students from the Caribbean, Canada and almost every state in the U.S. We had different experiences, different views of the world and, yes, different accents.
I could have experienced this diversity at a public university, but at a Christian school there was a difference: These people shared my faith. This realization was awesome, but it also challenged me. I had to let go of any preconceived notions or misunderstandings about cultures. I had to understand that not all Christians have the same political views or the same interpretation of Scripture and doctrine. For the first time, I really understood 1 Corinthians 12:12-13: "The body is a unit, though it is made up of many parts; and though all its parts are many, they form one body. So it is with Christ. For we were all baptized by one Spirit into one bodywhether Jews or Greeks, slave or freeand we were all given the one Spirit to drink" (NIV).
The post-college Tara had a betterand widerunderstanding of the world. After just four years, my view of the world was a little broader and my understanding of Christianity a whole lot bigger.
Before college, I had faith in Christ, but I didn't live it. I didn't make my decisions based on what God wanted. My music and TV programs didn't honor God. People wouldn't know I was a Christian by the words coming out of my mouth. And my attitude toward friends or teachers was rarely Christlike. The pre-college Tara didn't understand that God wanted every part of my lifeall the time.
When I got to college, I noticed something different about my classmates. They weren't perfect, but they lived out their faith in ways I didn't. My roommate spent time with God every day and talked about giving her daily life over to God. I didn't get it. But she invited me to a weekly Bible study that changed everything. By studying and sharing with the other girls in the group, I made a real commitment to let God have control of every area of my lifewhat I watched and listened to, my words, and my overall attitude.
This experience taught me that God created us for community. Before arriving on campus, I had no idea that Christian fellowship and support was important. In high school, I went to my parents' church but I could never call it home. I didn't have many Christian friends. But at Hannibal-LaGrange, I found the value of friends who could encourage me and push me to read my Bible or get up early for church. It was exciting to be able to share with friends in the dorm or in class about the new truths I was learning.
My Bible study helped mature my faith. Soon, though, I discovered I was hungry for the preaching of God's Word, too. My new friends and I visited different churches until we found one we felt God calling us to. During my four years in collegeand attending that churchGod helped me see the need to live for him everyday, gave me strong models of how to do it, and surrounded me with people who'd keep me accountable.
Those four years set a pattern for how I try to honor God everyday. Now, I understand God is calling me to give him every part of my life. No, I am not perfect. But, I can say I didn't leave Hannibal-LaGrange College the same as when I started. God used the school, its professors and students to help me become a whole new Taraone who is more like him.


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