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I was very interested to hear what President Obama would say about health-care last night on TV since my family has had such as close encounter with our nation's health-care system recently. (Here is a summary the of the speech in case you missed it.)
With my brother in the hospital for more than 10 weeks this summer (he was finally released last Friday), we have had a very first-hand view of hospitals and how at least his health insurance company operates.
We were very lucky to have a fantastic hospital like Emory close by and also very lucky that Emory has a transplant coordinator team to help the patients through the entire process – including staying on top of their insurance companies.
That Emory transplant team (coordinators and doctors) worked hard to make sure all the procedures my brother needed were approved and would be covered. They were more aggressive with the insurance company than a regular person could probably be.
When my brother had to be taken in for a second heart surgery about two hours after the first the transplant coordinator cleared everything with the insurance company. She didn't want my sister-in-law to have to even think about money or haggling with the insurance company at such a stressful time.
When my sister-in-law got some crazy bills telling her she owed far more than she did, the coordinator helped her review it and figure out exactly what she did owe.
Even with insurance, the transplant team encourages all transplant patients to fundraise to help cover medical expenses – mostly medicines. Despite comprehensive insurance, my brother is looking at $20,000 to $30,000 a year in prescriptions that he needs to keep his body from rejecting his new heart.
My brother and his wife kept joking that they were going to have to put his face on jars in gas stations to raise money. We ended up putting a link to his fund site on the private blog we used to inform friends and family of his condition. That has been very successful, so at least so far, no one is going to have to make crafts to pay for medicine (that is one of the suggestions transplant families get for paying the bills insurance doesn't cover).
Elsewhere in my family ….
My father runs a very small business so my parents are self-insured. Their premiums were raised multiple times a year for many years. My father is finally old enough to go on Medicare and they were thrilled to stop paying his premium. I think some money does come out of his Social Security check toward the Medicare. They do have a supplemental insurance as well. They can't wait until my mother is old enough to qualify for Medicare too!
Our insurance …
I have never had a problem getting the doctor that I wanted or the care that our family needed on our insurance. However, I do spend a lot of time double checking bills and calling the insurance company to tell them they have processed things incorrectly. My main complaint is that I feel like I have to follow them with a magnifying glass to make sure every bill is paid the way it is supposed to be! But I do feel grateful that at least we have good health insurance.
I have been aggravated that our company doesn't pay for the children's eye exams or hearing exams — unless something proves out to be wrong. This makes no sense to me. You need the well visits to keep from having problems. Oddly our dental insurance (different company) pays 100 percent for dental check-ups.
How would you rate the health insurance your family has right now? What else would you want or need from your insurance company? If you do not currently have insurance, how are you paying for medical treatment? What are you looking for in health insurance coverage? What would like to see in a healthcare reform bill?
September 10th, 2009
8:01 am
Overall, my insurance company is okay. I have a POS plan so I can see whomever I like, I just might have to pay a little more if they are not in network. I have had problems with them paying a bill from where my son was in the hospital, but it was easily resolved with one phone call. The only complaint I have right now is that they will not cover any percentage of my son's hearing aids so that left us with a fairly significant medical expense this year.
Without starting any political debate, I am not in favor of a public option plan. As a healthcare professional, I can attest to the need for better coverage. However, I think a plan where the government contracted with private insurance company and paid some type of subsidy to get them coverage is a better option.
September 10th, 2009
8:23 am
why on earth would they not cover a hearing aid — that seems pretty essential to your child's health!!
September 10th, 2009
8:25 am
We have insurance through my husband's job which we are fairly happy with. Like Theresa, though, I have to make sure I read every EOB and all the online info they send me to make sure they handle every claim accurately. Last month I received a bill from the radiologist who read my mammogram and I was charged for a brain MRI along with my mammogram! The one change I would like to see is that the insurance company cover all well visits (physicals, mammograms, pap smears) at 100%. We are not sick very often but we religiously schedule all of our physical appointments (I have cholesterol and BP issues, hubby has family history of prostate cancer) and we are charged the copay. All preventative medicine should be covered at 100% by all insurance companies in my opinion. Also I would like to see the premiums not increase so dramatically every year. It disgusts me to pay the huge premiums and still have to pay copays and deductibles.
One thing we started utilizing this year was Flexible Spending. My husband and I have never used this before and it has been godsend. I hope that companies continue to offer that to it's employees.
September 10th, 2009
8:45 am
I despise most insurance companies and hope that something is done to stop them for charging more and covering less! I can't even get a prescription filled without calling them first to determine IF they will cover it! It's ridiculous! They suggested that I carry a piece of paper on me at all times so that when I visit a doctor I can show it to them so they can write my prescription from that sheet! I hope Obama gets this bill passed.
September 10th, 2009
8:50 am
…why not just ask for the tooth fairy to cover all your needs! You sound just like Obama – I want, I want, I want – but I REALLY want someone else to take care of me!!!!! Hope Little E is not a sickly child.
September 10th, 2009
8:53 am
…many insurance company plans DO cover well care visits at 100%; just because your husband's company plan does not is not the insurance company's fault – it is the plan that they negotiated with the carrier to make it affordable for both the company and the employees and their families.
September 10th, 2009
8:54 am
My new health coverage (took effect 9/1) is aimed at prevention. All our well visits are covered at 100%, but there is a catch. Sick visits have no copay–only a deductible. To the tune of $1000 for an individual plan or $2000 for a family plan (no individual deductible for the family plan). For young, healthy, single employees, it's a great idea. For those of us with children in daycare, it's a nightmare. Last year, my son was on my policy. He had more than 10 sick appointments, eight of which were for recurring ear infections, which led to tubes. Even with all those sick appointments (at $30 copay per visit), the ENT specialist visits (two of them), one ER visit and tube surgery . . . the total of all those treatments was just shy of $2000 (though my share was about $1000 because the deductible was lower and we operated on a copay system at the time). But under the new plan, the insurance company would have covered his four well-baby visits and would not have covered a dime of anything else, because we wouldn't have met the $2000 deductible.
All those doctor visits sound like a lot, but they're pretty standard. Half the toddlers in his daycare class have ear tubes, which means all of them have gone through the same series of ear infection visits, specialist visits and surgery.
My son now is covered on my husband's insurance policy, because we couldn't justify the $2000 deductible to put him on mine. While the 100% checkup coverage is nice (and is the selling point to employees), it wouldn't benefit most families with young children if the plan operates the way mine does.
September 10th, 2009
8:57 am
We've had our share of issues in the past with various insurance companies, but like Christie, all are usually resolved in one phone call. Usually someone (typically in the doctor's office) enters the wrong code so it gets rejected, but always gets resolved by asking the office to reenter the correct code and resubmit. However, never have I thought, 'if only the government would be more involved in our insurance, THAT would make it better!' I personally love Clark Howard's proposal that health insurance should be severed from employers and allow individuals to shop for it in the free market, just as they do with auto, life, homeowners' insurance. That would also allow individuals more freedom when finding a job, or security if they lose a job, that their health insurance isn't tied to their employer.
One suggestion I like to make to friends is to save EVERY receipt having to do with their medical care, whether it's an office copay, prescription copay, parking receipt, etc. Just stick them in an envelope and you don't have to think about them until tax time. We've only had one year that our medical out of pocket expenses qualified as a tax deduction, but you never know. You could have a big out of pocket expense at the end of the year, and then wished you had been saving your other receipts. (Your insurance premiums count, as does mileage to every doctor, pharmacy, etc.) It is weighed as a percentage of your AGI so it also depends on how much you make.
September 10th, 2009
9:05 am
We have insurance through my job and have been very blessed that we haven't been really sick..We have a $40 copay and a $500 deductible (per person)..We do not have any small children, so I'm sure that's another good thing for us..
My company pays for my insurance and I have to pay for my husbands..The only downside to our ins. is that each year when its time to renew, they shop around to find the cheapest..I'm not complaining about that part of it, it's just a pain to fill out new paper work each year, sometimes for nothing..Over the last 24 years, we have had some really great ins. to some that was so so..
September 10th, 2009
9:30 am
When people are unhappy with the coverage their insurance provides, they need to understand that there are two main decision makers for their coverage (assuming it's provided by an employer). First, the government mandates coverage for certain things, such as maternity, regardless of who purchases the insurance (single male, menopausal woman, doesn't matter to them, it's a government requirement). Second, the company then decides what to cover in the insurance option(s) they provide their employees. For example, my insurance covers wellcare at 100% – many others don't have that. Some insurance requires you to pay a flat fee per visit, say $20 (copay), others have you pay a percentage (coinsurance). There are thousands of variables involved, and unless you build your policy from scratch, you're never going to find one that suits your needs perfectly. Plus, what each family needs is different, depending on their circumstances (which of course can and will change through the years). What we all need are more choices, not fewer – an a la carte method of insuring perhaps.
Remember too, insurance is supposed to be for covering the unexpected. You expect to have a wellcare visit, you don't expect to get pneumonia and wind up in hospital. Perhaps we need to readjust our thinking regarding our responsibility for paying for health care versus the insurance company's.
Okay, I know I'm probably putting some things out there that aren't going to be very popular, but there it is!
September 10th, 2009
9:30 am
Ok, I wish I had time to blog today, but I am on my way to work. I have LOADS to say. I will check back in later tonight.
September 10th, 2009
9:34 am
kathy –we have good insurance and ours does not cover well visits at 100 percent –
September 10th, 2009
9:47 am
I paid for my own personal insurance. The company I worked for didn't offer insurance, so I had to get a personal policy. I figured it was as important as my mortage and car insurance. I pay over $700 a month in premeiums for just myself and my child. Co-pays were from $30 to $60 a visit and my daughters medication was around $400 every three months. I just considered this my responsibility. So I didn't have a new car, wear new clothes or have the newest and greatest toys. But I had peace of mind knowing we were covered.
I have always thought personal responsibility was important, not relying on others to provide for me and my family. I dislike the notion of wanting handouts and expecting others to provide when someone has the ability to provide for themself. As my Mother told me, "nothing is for free" and being beholden to another person, employer for the goverment for things I should provide for myself and my family is not free.
September 10th, 2009
10:12 am
Both my husband and I worked for small businessess and had insurance until he was laid off and I was put on a contract labor basis which meant I lost all benefits, including insurance. I think my boss had an insight on the changes that healthcare was going to make for his business and decided that was the best route for him to take. He now shows NO empoloyees working for the company, just contract laborers which sucks for us!! With my husband being laid off, there is no way we can afford the 1,600 per month in premiums so we're just hoping and praying at this point that nothing happens to us. I know it's a huge gamble but what are you to do when you simply can't afford the premiums? And preventive care, well that's not been addressed for either of us this year. I'm worried and although I'm not sure about Obama's plan, something has to give to make coverage affordable to persons like us.
September 10th, 2009
10:21 am
You can expect increased deductibles next year, Theresa and I've heard where retirees at the AJC are no longer being offered dental insurance.
September 10th, 2009
10:28 am
We're like Lisa, but with a 7-year-old. We haven't been able to afford insurance for more than two years. The only one that goes to the doctor regularly is our son. Both my husband and I need to do the regular preventive stuff, but can't afford it. Decent insurance for us (when we could afford it) was over $1000/month. Crappy insurance (and I do mean crappy-it didn't cover xrays when I broke my foot)was around $700/month.
My husband and I own a very small business and work very hard. We're not looking for handouts, but the money just isn't there without some kind of help.
September 10th, 2009
10:55 am
Having been in and out of doc's offices and the hospital all summer due to "elective" surgery, I have now been dealing with insurance far more than I would like for the past 4 months. We have good coverage, thank goodness but are still out $2500 for the procedure that was absolutely necessary. I was blacking out from excrutiating pain from endometriosis and anderomyosis.
Every healthcare professional I spoke to is 100% against any sort of public option and vehemently opposed the Obama plan that was on the table at that point. I have to agree with them. I would have had to wait to get this surgery for months most likely if we had a program similar to Great Britain or Canada and my quality of of life was awful even though I was not in danger of dying.
I think the Clark Howard plan makes the most sense. We are being told to be consumers of our healthcare needs at every turn, but we cannot be the ultimate consumer if we have to continue to purchase insurance plans only through employers.
September 10th, 2009
11:01 am
Clark Howard is not a insurance agent, he is a travel agent. Go to the insurance message board and read some comments from real agents. Please don't let Clark Howard give you advice on this subject. Almost every point he's made regarding insurance has been proven wrong on the board by real agents with real experience.
September 10th, 2009
11:06 am
For those who have insurance, be thankful. There are millions who do not have insurance and when a catastrophic event happens they can lose everything-house, cars, savings. We have been fortunate to always have insurance even if it was COBRA but co-pays and co-insurance changes with every plan. I never mind paying those costs-healthcare is not free. Someone needs to pay for the doctor, the nurse, the facility, the tests, etc and who is receiving the services? Us. We need to pay. Insurance is to help mitigate some of the cost and is especially helpful when there is an emergency and/or large cost.
I would hope that any reform allows people to shop for their own insurance so that it fits their needs. Employers are developing the plans now and trying to find the "best fit" for all its employees. If we all were able to choose our own plans then it would be exactly what we wanted-as large of co-payments/co-insurance as we want, POS, PPO or HMO, etc. But it would be our choice. Additionally, employers would not have huge chunks of money going towards insurance and could possibly raise our wages.
Another reality is rational health care, not rationing healthcare. How many tests, etc are done to protect the physician from malpractice instead of based on whether a patient truly needs the test or not. Have you ever asked a physician "Do I really need that test?" Have you ever shopped around for the best pricing?
There are a lot of other things that need to be changed-tort reform, insurance availability, etc but I do not think a government-run option is the right choice. Competition in a free market, one that requires everyone to have insurance just like car insurance is necessary. Tax-credits based on income to help those who have less available income are necessary, just like childcare credits, etc.
September 10th, 2009
11:08 am
Okay-John Edwards advocated a very similar plan back when he was running. Being able to buy into a large "pool" of private insurance makes sense. I work in Healthcare and deal with insurance companies daily. They do not want this to be an option and that is why they are "poo-pooing" this idea.
September 10th, 2009
11:11 am
Wow, thank you for telling us that Clark Howard isn't an insurance agent..Guess most of us didn't already know that!!
September 10th, 2009
11:32 am
b – The reason car insurance is required is to protect against other people and their property, not the holder of the insurance. Drivers (at least in the state of Georgia) are not required to hold auto insurance that covers their own property. Minimum legal insurance only covers the people, cars and other objects a driver might hit. Now, if you have a loan on your car, then the loan holder requires coverage for their property, aka the car. Otherwise, a driver isn't required to cover his or her own property. What about houses? You only have to have homeowner's insurance if you have a loan on your house . . . to protect the lender's property.
So to use this argument to say everyone should be required to carry medical insurance, doesn't make sense. If we follow the precedent of auto and home insurance, we'd have to take out liability policies on the people to whom we might cause injury or illness.
September 10th, 2009
11:36 am
Has anyone ever shopped around for the best pricing on medical care? Seriously. I've tried to ask my doctors how much a procedure is going to cost, and they can't give me an answer. After they file it with insurance, they can. But by then, I can't back out. My insurance company actually has a "cost estimator tool" but it is ridiculously vague. You have to know all the costs associated with a procedure and even then, it's only a ballpark estimate. For instance, if I select an uncomplicated childbirth, it gives me an estimate for the hotel stay. Does not include fees for any of the doctors, medicines, etc. And unless you've been through the procedure before, you probably have no idea which doctors and medicines will be involved. And if you have been through it before, then hopefully you already have a ballpark idea.
September 10th, 2009
11:42 am
Becky, I wasn't attacking anyone or being the smart a@@ like you seem to be. Just go read the board for yourself and you'll see what I mean. Too many people think Clark is king about too many topics and it's just not so.
September 10th, 2009
11:59 am
Theresa, first of all, congratulations to your brother — I'm sure he's delighted to be home!
My husband and I have been self-employed for about 17 years, so we have been self-insured for quite a long time. We found an agent that has been pretty aggressive in finding us insurance at a reasonable cost, we have pretty high deductibles, and basically, it's catastrophic insurance only, the ol' "if I get hit by a bus" scenario. We pay for everything else — well visits, mammograms, etc. At that, it's less than $600 a month to cover all four of us. We figured that what we'd pay for those visits, etc., were less than we'd pay an insurance company for higher coverage. It's a fine line, and it's a PITA to keep on top of, but there you go. I am just amazed at the multiple opportunities for insurance fraud in the health care industry.
When I was having our second child, the nurse had a hard time getting an IV started. She tried three times, and couldn't get it in. Each time, she'd rip open a new needle package and absentmindedly slap the receipt on her smock sleeve. After the third one didn't go in, I finally asked her, "You don't think you're going to CHARGE me for those three IV's that you couldn't get in, do you?!?!" She looked down, blushed and stammered, "Oh, of course . . . not . . ." I checked the bill later and sure enough, there were three charges, at $22 each. After a couple of phone calls, the charges disappeared — one clerk even said, rather snottily, "Oh, you were in labor, you probably don't remember . . ." At which point I told her that all of this happened BEFORE I was induced, thank you very much, I could definitely remember being stabbed three times!!
And while it's true that Clark Howard isn't an insurance expert — it seems to me that insurance "experts" are the ones that sorta got us into this mess in the first place, so I'm a little hesitant to put a lot of faith into their spin on the matter. Insurance is insurance — whether it's car, house, or health. It's there to pay for the unexpected. Frankly, I don't believe that insurance should cover well visits — the costs for those well visits have soared through the roof because of insurance, because people don't care how much they cost if someone else is paying. Insurance doesn't pay for oil changes. Why should it pay for a basic well check-up? It's a chicken-or-the-egg problem — the costs are high BECAUSE of insurance, and we now need more insurance to cover those high costs, which means that the costs keep getting higher . . .
September 10th, 2009
11:59 am
Our family (husband, wife, and 2 children) receive health insurance under my husband's pension plan. He retired from one company in 2005 and started work for another one. We have a high deductible plan. Each year, I have to run a spread sheet to determine if the high deductible premium will save us money in the long run. The medium deductible premium is almost twice as high as the high deductible one. My husband may need a liver transplant in the future; so I am wary about changing companies. Our insurer is very reasonable; I have only had to "fight" one refusal to pay.
While listening to the President last night, I found myself saying "Yes, that seems reasonable." Today, I am questioning whether or not what he proposed is financially feasible. We would all like health insurance with reasonable premiums, no life time caps, and guaranteed everlasting coverage. However, is that a financial possibility for a health insurance company? If a company continues to sustain high claim rates without the ability to raise more funds through premium increases, where will the money come from? Are we creating a failure plan for these companies?
September 10th, 2009
12:07 pm
Christina, I disagree with your argument that you are only required to have insurance because of liability. While the MINIMUM coverage in Georgia is supposed to protect the other injured party (and if everyone is insured, why is that a problem, anyway . . . but I digress . . .) a responsible car owner is probably going to do more than the minimum in order to be able to recoup their losses in the case of an accident when the car is totaled, at least when the car is newer. As soon as the car is worth less than the collision insurance, then it makes sense to drop the collision — but that's not usually for a few years. The same with a house — the lender may only require enough to make sure that their risk is covered. But a responsible homeowner isn't going to just cover the lender's mortgage — THAT won't get the house rebuilt in case it burns down, and it sure won't cover the loss of everything IN the house.
September 10th, 2009
12:19 pm
If you want to see how a socialized health care system works, or doesn't work, is look to our neighbor to the north…Canada. I hear a lot of Canadians come here to the states to get procedures performed because the wait time in Canada is so long. That and they have to pay out of their @sses in taxes for poor service.
September 10th, 2009
12:38 pm
Insurance companies are proving to be the tools of satan. I fully expect the Anti Christ to come out of their evil folds:) I feel the same way about the Pharamceutical companies. As with any less than pleasant….albeit neccessary…part of life….we deal as best we can.
September 10th, 2009
12:38 pm
DB – I agree with most of your analogy but pharmaceutical companies and doctors are the first rung of the ladder of people to blame for high cost insurance. Just like the nurse tried to charge you 3 times for one IV, and the extra tylenol they put on everyones bill, most people do not complain and just let their insurance cover it. They don't stop to consider that by disputing charges they are actually saving them and everyone else money. Also, if every low life out there would quit suing for frivolous (sp) things, the doctors could maintain malpractice insurance at affordable rates and then be able to pass those savings onto us. It's a viscious cycle that needs to be broken.
September 10th, 2009
12:52 pm
DB – I agree that a responsible owner carries insurance beyond the minimum. I have no loan on my four-year-old car but I definitely carry coverage far above the minimum, including collision. I don't want to be caught accidentally causing thousands of dollars in damage to my own car, and have to pay it all out of pocket. My argument was, like you stated, that the minimum required by the government only covers the other parties. So while a responsible person should weigh their potential costs against the cost of premiums to determine if they need additional coverage, the government isn't telling them they have to cover their own property. Likewise, a responsible person would weigh the risk of likely medical costs against the cost of premiums and determine how much coverage is right for them.
If I came across as attacking in my last post, I apologize. I just wanted to point out that the differences in the two types of insurance being compared.
Personally, I would like to see more insurance options. And maybe it would help if we all shop for medical coverage the way we shop for other types of insurance. My company employs more than 6,000 people across the U.S., ranging from healthy, unmarried recent college graduates, to middle-aged parents of five children, to nearly retired cancer patients. And they try to fit all of us into TWO very similar health plans, which they think make the most sense for our "average" employee. Well, one of those plans may be a good fit for 1,000 people and the other plan may be a good fit for another 2,000 people, but what about the other 3,000 employees who fall somewhere between never having a sick appointment and going to the doctor every week? We have to try to fit one of those molds and keep our fingers crossed that it works in our favor. At the same time, I've been looking into individual coverage for our family and it is ridiculous. A deductible of more than $1000/person just isn't an option with small children, and plans with lower deductibles are few and far between. Maybe if everyone had to shop that way, there would be more options.
September 10th, 2009
1:17 pm
The Washington Post had an interesting article recently about health care in other countries: http://www.washingtonpost.com/wp-dyn/content/article/2009/08/21/AR2009082101778.html. It points out that other countries have developed different systems, some using only private insurers and providers, others using government insurance and private providers, and some going all government (that's the English system everyone points out as a reason not to have universal healthcare). It talks about costs, waits, amount of patient choice, etc, in several countries.
The simple fact of the matter is, though, that we have higher health care costs than everyone else. Our system is broken. Personally, I'm in favor of a public option, but only as an OPTION. No one is proposing that everyone be covered by public insurance. Doctors I've talked to don't have a problem with this, as long as it's only an option and not government care for all, but they say the insurance companies are against it because it would give them competition, especially for those customers who do not have employer insurance and currently have high premium policies. Insurance companies would prefer government subsidies for those policies go directly to them. Public competition would force them to find ways to lower the premiums.
September 10th, 2009
1:19 pm
This is what I would like to see with health care reform:
1.) One rate for everyone regardless of pre-existing conditions and nobody can be denied for any reason. No special group rates for large companies – one rate for everyone. Period.
2.) Severe the link between employment and health insurance – they don't belong together. If I'm not happy with my insurance company, I should be free to choose another one without having to find a new job. And I should be free to get a new job without having to change insurance companies.
3.) Allow individuals to deduct individual health insurance premiums as companies do.
4.) Tort reform!! Get rid of punitive damages (compensatory fine, but punitive, no). If the doctor is bad and needs to be 'punished' then he should loose his license or receive other sanctions.
5.) Another good idea is health care savings accounts for routine care. (Let insurance be for the big-ticket items only.) Let the people pay doctors directly for services so they see how much things cost. This allows the patient to take control of their own health spending, and eliminate all the paperwork/overhead involved in basic care.
These things can be implemented relatively easily and with little or no federal expense.
September 10th, 2009
1:23 pm
While it may be true that insurance companies are the bane of all evil, last year I had knee replacement surgery. I was in the hospital for barely 24 hours (went in at 7am for a 10am surgery on Wednesday and was discharged at 8am on Thursday morning). The hospital bill totalled $16,910!! And that did not include the anesthesiologist, my orthopedic surgeon or the surgical assistant.
My insurance company paid $988, and I paid a $250 co-pay for this hospital bill. The insurance paid all of the surgeons fees (approx $3000), all of the anesthesiologist's bill (approx. $1100) and all of the surgical assistants fee (approx $180) – I still cannot figure how the hospital survives on this type payment system, as the $250 is ALL that I paid for this procedure and stay. And, I have not heard word one from the hospital regarding the other $15,672 – they just seemingly wrote that off since that is what they contracted with my insurance company for regarding this stay, and is what they received and accepted without further requests for payment from me.
September 10th, 2009
1:39 pm
Nobody here has spoken about why we have the highest costs for healthcare – obesity. Americans are just to dog gone fat, and that causes all kinds of health problems. Health care reform starts at the super market checkout line! About insurance, it is for the trauma. Get a high deductible plan, pay for your own routine office visits, and have your insurance for those traumatic events–like you do fire insurance–then its costs will be reasonable. Another thing that would make it reasonable, is increased competition, by allowing insurers to advertise and sell throughout the US rather than state by state. Finally, we are told the public option won't be forced–it will be. Your employer will choose to pay $8K to the government per employee, rather than pay the $12K or more that it costs him now to pay for your medical insurance, forcing you to go the public option route, or buy your insurance privately otherwise (from those insurers who now can't compete across state lines–while the government will).
September 10th, 2009
1:44 pm
You are the one that stated that "Clark Howard is not a insurance agent, he is a travel agetnt" All I pointed out is that everyone already knows that, there was no need to tell us..So just in case you haven't noticed a lot of people in Atlanta think that yes he is the icing on the cake..Otherwise, why would so many people be hollering for him to run for Mayor?
September 10th, 2009
1:52 pm
Regarding coverage for hearing aids- I have not heard of one insurance company that covers anything to do with hearing. Believe me, I've asked. In my case it is a pre-existing condition (congenital) and the insurers all say that hearing is not medically necessary, we can live without it. I'm having to come up with $4-5K this year for 2. (I could get them for about $1200-1500 each, but I'm wanting the top of the line models- they are supposedly approaching normal hearing levels and I'd like to know what that's like.)
I don't know that hearing aids should be required to be covered by insurance, but I know I'd like it to be an option. That's what I want in an insurance company- the ability to pick and choose my coverage options. Why would I want to pay for Viagra? However, that is covered under my current plan. But hearing is something that I would be willing to pay extra for.
The democrats will never agree to tort reform. Most of them are lawyers or have been paid for by lawyers, and the ambulance chasers make most of their money by going after those punitive damages. And ridiculous and frivolous lawsuits are now the norm.
I know of someone who sued a hospital because they had to wait several hours in an emergency room for a stomachache and a couple of people went in before her. Inconvenient, yes. Worthy of a lawsuit? NO! But, God forbid we should have any inconveniences in our lives. Everything should be perfect for us and to he** with other people.
September 10th, 2009
1:57 pm
Here's one other thing that people don't think about, when complaining about the cost of health care (and the 'we should all be able to get it for free or afford anything we need') Doctors spend hundreds of thousands of dollars at medical school, years of their lives dedicated to long hours and huge school loans….what do we tell them? That their expertise should not be worth anything, they should simply not be compensated for their time? How about the researchers who spend years coming up with new medicines that save lives? Sometimes those 'exorbitant' costs for medicines and treatments are due to the cost of years of research and the brains behind it. Personally, I don't want the best doctors and researchers looking to move out of the US because they realize they won't be compensated or will have to live their lives with massive debt because they chose the health care profession.
Joan, I totally agree with your points about allowing insurers to compete across state lines–talk about an inexpensive way to drive up competition and lower prices. Imagine pairing that with severing insurance from employers, and suddenly the consumer is in charge, premiums become affordable, etc. I also question the idea about the government "competing" with private insurance companies. How on earth is that fair competition? The government can continue to operate by just borrowing more and more money from future generations, where private companies are kind of expected to operate in the black and make money for shareholders. How could ANY private company compete with a government entity who operates in the red (and doesn't care!)
September 10th, 2009
2:26 pm
New Mom-all excellent points…
September 10th, 2009
2:34 pm
Because they're uninformed.
September 10th, 2009
2:39 pm
Wow…good points today.
We have been blessed, in that we have had access to health, dental and vision insurance our entire married life. I am self employed and my husband's company has always covered us. Notice I said BLESSED. I do not feel health care is a right. I also do not feel it is fair for those to suffer who have inadvertently had a run of bad luck and just die due to lack of medical options. I do not feel everyone should just HAVE healthcare. Many have not had it for years, BY THEIR CHOICE.
We have dear friends who have most everything paid for and probably could be retired. The wife works because she is offered group health care and they are on pins and needles if they had to cover themselves or pay cash. How many others out there have not worked a day in their life nor have they paid ANY taxes but feel they deserve healthcare….hello?
Regarding Clark Howard, if I had to pick 1 person in the United States with a grand pool of knowledge, who could relate to the average consumer, I would pick him! Anyone else? No, he does not know everything but he knows a lot more about everything than most folks. Insurance agents tend to be more specialized and Clark's knowledge ( to me) is broader based.
@ Okay, I may be a smart a$$ but I have never known Becky to be one….she is just stating a point
(I believe) that many of us trust Clark Howard more than 100 insurance agents in the same room.
Maybe we are nuts but he does seem to be sensible, meticulous, and researched.
@ newmom, your point about quality is a good one and this is something our son talks about all the time. He has worked hard to get into professional school and will have loans out the wazoo.
While many are willing to work hard to get what they want and unfortunately some are the victims of horrendous circumstances, our society is running amok with: I HAVE A RIGHT TO HAVE THIS and I am so sick of it.
September 10th, 2009
2:58 pm
I do like the idea of severing ties between employers and medical insurance. Why are those two entities linked in the first place? I've never looked into it, but does anyone know? Take the company I work for, as an example. It employs more than 6,000 people across the US. Some are single, healthy, recent college graduates. Some are middle-aged mothers of five who carry family policies. Some are old enough to retire any day now but are keeping their jobs for insurance because of chemotherapy and other continuing health treatments. We have two health insurance plans. Two. The company tries to determine what kinds of coverage would benefit the average employee and be cost-effective for all parties involved. Sure, one plan might be what works best for 1,000 employees. The other plan might be just what's needed for another 2,00 employees. But how can they possibly capture what's best for all 6,000 of us? They can't. So we make an educated guess and hope for the best . . .
September 10th, 2009
2:59 pm
Oh – DB, I agree with your point that a responsible adult carries more than the minimum. I was just pointing out that the government doesn't mandate us to carry that coverage; we make that evaluation on our own.
September 10th, 2009
3:04 pm
Christina, from what I understand years back the government put a wage freeze in place that prevented employers from increasing the salary of people that were deserving. (At the time people carried their own insurance/paid their own medical.) As a way to circumvent the govenment mandate and still reward good employees employers started picking up insurance premiums. That's what I've been told. I haven't researched it though so it could be hog wash. Has anyone else heard this?
September 10th, 2009
3:09 pm
Enter your comments here
September 10th, 2009
3:10 pm
WOW…I thought I was being screened from the blog today…I posted 20 minutes ago/ 3 minute ago and nothing…Theresa am I in time out….lol?
September 10th, 2009
3:14 pm
MomsRule: I've heard the same thing – during WW II, I think?
September 10th, 2009
3:14 pm
MomsRule, I just found an article to support what you've heard. The wage freeze occurred during WWII and let to many employers offering fringe benefits like health insurance, in order to continue recruiting the top people for their jobs. There remains a benefit to employers because the premiums employers pay on those policies, are tax-deductible business expenses.
September 10th, 2009
3:15 pm
motherjanegoose, I was having that problem, too. I tried posting twice between 12:30 and 2:30, but to no avail.
September 10th, 2009
3:36 pm
Thank you for the link Christina.


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I've found that over the years, sensitive teeth really hinder my performance, especially during long rehearsals such as I.M.E.A.s and band camps. I usually buy the two-pack of the large black mouthpiece guards and use one for my tenor and one for my clarinet. They work very well, but they never last me long. The one on my tenor usually wears through within two to three weeks, and the one on my clarinet loses its 'stick' within eight weeks and slides off. Even so, I feel that these are a good buy and they are inexpensive, so I can afford to buy more if, and when, I need them.
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Camera & Lens Reviews pages updated (15 cameras, 8 lenses) [last DC Resource review ever published!]
We have now completed the epic mega super catch-up-a-thon covering December 17 until December 30, 2012 and are now caught up with the latest completed reviews at the Camera Reviews stream and the Lens Reviews stream. Fifteen digital camera reviews and eight lens reviews were added as of this update.
This is a historic moment in the world of digital camera reviews. The last ever digital camera review has been published at DC Resource, it is that of the Nikon Coolpix S800c, Nikon's first Android camera experiment.
We added one more camera review website on the rotation of camera review websites we track, Camera Hoarders. If you write useful-to-photographers camera reviews and your website/blog is not included in our round-ups, please let us know using the online contact form. RSS feed or similar functionality almost a must-have.


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Inner peace may seem impossible with all the upheavals and disappointments we are faced with every day. But it is possible to create our own inner pea
We need five servings of vegetables every day. These are low fat vegetable recipes that taste great and are good for you.
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Young parents of today and the way they do not decipline their children. I see young parents raising their chi
Common household hints to save your time and energy.
Handy Household Hints Every Householder Should Know:
It is of the greatest importance that we get our five servings of vegetables every day.
During the 1950�s and 1960�s the big motor companies were in the middle of a car revolution. The nation was turned upside down with people buying musc
After lots of speculations, Lost Planet 2 Playstation 3 version is finally confirmed. There is no reason left now to deny Lost Planet 2 for PS3 as
Some days back I received on SMS and an Email saying that, Lays Chips (Masala Flavor) is HARAAM. On the back of the Lays chips "E631 Fat"
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Kathryn Stockett�s book, "The Help" is a best seller and a movie was recently made from it. Some blacks would have liked such a book to have been wr
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It changes so it looks just like its foe, tricks it, and then uses that opportunity to flee.
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Study links low wages with hypertension, especially for women and younger workers
Workers earning the lowest wages have a higher risk of hypertension than workers with the highest wages, according to new research from UC Davis.
Workers earning the lowest wages have a higher risk of hypertension than workers with the highest wages, according to new research from UC Davis.
(Medical Xpress) -- As the United States wages war on the growing epidemic of obesity among children and adults, a team of University of Colorado School of Medicine obesity researchers conclude that what the ...
The United States federal government supports many welfare and entitlement programs that attempt to eliminate poverty by providing financial assistance to families in need. Now, a researcher at the University of Missouri ...
New York raised the minimum wage to buy cigarettes to 21 on Sunday, in its latest initiative to encourage healthier behavior among residents.
Young children who are able to pay attention and persist on a task have a 50 percent greater chance of completing college, according to a new study at Oregon State University.
Women who go to medical school just for the financial rewards of being a doctor could be making a mistake, according to a study published in the Journal of Human Capital.
Subsidizing the wages of caregivers at group homes would likely reduce worker turnover rates and help contain costs at long-term care facilities, according to new University of Illinois research.
An annual survey shows that the average cost for employer-sponsored health insurance rose modestly this year, but it still outpaced worker wage increases.
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The financial effects of alcoholism on the family members of addicts can be massive, but little is known about whether treatment for alcoholism reduces that financial burden. A study of 48 German families published online ...
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Below is a comprehensive archive of press releases from MSF USA. Use the options in the boxes below to filter results based on your preferences.
Filter by vocabulary: issues (multisite):
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Press release
April 01, 2003
Hanoi/Brussels, April 2, 2003 – Doctors Without Borders/Medecins Sans Frontieres (MSF) is re-enforcing its team in the Bach Mai Hospital in Hanoi, Vietnam. The team, in place since March 19, is helping to contain the illness known as Severe Acute Respiratory Syndrome (SARS), which has already killed 75 people and infected over 1800 worldwide.More >


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RICHMOND, Va. (AP) — A Richmond-based company has received federal approval for a drug treatment that reverses the effects of pain medicine overdose.
The Richmond Times-Dispatch reports (http://bit.ly/1lFCyom ) that the U.S. Food and Drug Administration on Thursday granted fast-track approval for Evzio, an emergency injector developed by the pharmaceutical development company Kaleo. The product is the size and shape of a credit card with the thickness of a small cellphone. It can be used by family members or caregivers to treat a person known or suspected to have overdosed on opioids, pain medications used to treat acute and chronic medical conditions.
Eric Edwards is the company's chief medical officer and vice president. He says the product could be available by prescription as early as this summer.
Information from: Richmond Times-Dispatch, http://www.timesdispatch.com


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Copyright and Your Thesis Workshop, March 12
February 28, 2013
The Corcoran Library will present a workshop on March 12 at 10 am - Copyright and Your Thesis. Geared to graduate students submitting their thesis to ProQuest UMI and the Library's CANVAS digital collections, this workshop will cover ways that you can protect your intellectual property while respecting that of others. (Georgetown, Room 109)


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Michael Morain, email@example.com
Des Moines Register
12:02 a.m. CDT June 6, 2014
Not everything that counts can be counted, as the saying goes, but that won't keep some arts advocates from trying. The biggest Iowa Arts Summit in a decade gathers today in the state capital...
The Riverboat Development Authority board awarded more than $868,000 in grants Tuesday to 50 local organizations. Ballet Quad Cities: Dance me a Story receives $15,000.
QC Times: By Doug Schorpp
Posted Online: April 19, 2014, 11:10 pm
Roll out the red carpet! It's time to honor some of the stars of the Quad-Cities, the winners of the 2014 Argpatch Awards.
Posted Online: April 09, 2014, 11:10 am
By Jonathan Turner, email@example.com
Ballet Quad Cities' partnership with Cedar Rapids-based Orchestra Iowa continues Saturday as they celebrate spring with three timely ballets at Davenport's Adler Theatre.
By Diana Nollen, The Gazette :: UPDATED: 7 April 2014 | 7:58 am
"One generation's scandal is the next one's status quo," Orchestra Iowa Music Director Tim Hankewich says of Igor Stravinsky's avant-garde ballet, originally choreographed by Vaslav Nijinsky with lots of flat-footed stomping.
By Diana Nollen, The Gazette :: UPDATED: 6 April 2014 | 1:06 pm
April 05, 2014 4:30 am • David Burke email@example.com
On the first day of rehearsals for Ballet Quad-Cities' newest work, artistic director Courtney Lyon stared at her dancers and they stared back at her. "I said, 'OK, everybody get as close together as you can...
Posted Online: Jan. 23, 2014, 11:52 am
By Jonathan Turner, firstname.lastname@example.com
"The Ugly Duckling" is not only a beautiful dance fairy tale in the capable hands and expressive bodies of Ballet Quad Cities' professionals. The company works with thousands of local students annually to reinforce its message of bullying prevention and introduce youngsters to the wonders of ballet.
Posted online: December 17, 2013, 8:21 pm
By Jonathan Turner, email@example.com
A $20,000 National Endowment for the Arts grant will help Ballet Quad Cities and the Cedar Rapids-based Orchestra Iowa perform three Igor Stravinsky ballets over the next three years.
To read the entire article CLICK HERE
By Jonathan Turner, firstname.lastname@example.com
After a successful weekend in Cedar Rapids, Ballet Quad Cities returns to the Q-C to present its beloved holiday tradition, "The Nutcracker," with live music by Orchestra Iowa, for three performances and other special events this weekend.
December 07, 2013 4:30 am • David Burke firstname.lastname@example.com
It's no exaggeration to say that Margaret Huling was born to be a dancer.
Read entire article HERE
By Wallace Chappell / Correspondent
The collaboration between Orchestra Iowa and Ballet Quad Cities continues to flourish, through Saturday's matinee performance of "The Nutcracker" at the Paramount Theatre.
Read more: CLICK HERE


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The Technology Chronicles
News and views from the digital frontier.
Posts filtered on Tag
Square-Starbucks: A big deal for mobile
Starbucks announced today that San Francisco-based mobile payments processor Square will start handling all of its credit- and debit-card transactions in the U.S. this fall. Starbucks also invested $25 million in Square and its CEO Howard Schultz will join Square's board. The deal gives Starbucks a discount on Square's normal processing fee of 2.75 percent. […] [Read More]


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|President Garrison's recent blog post talked about the impressive number of UAB students who are literally broadening their horizons this summer with studies and service abroad. As Dean for the College of Arts and Sciences it pleases me to see how many of our students are involved in such endeavors. Their efforts, however, would not be possible without the excellent faculty and staff in the College who help guide and mentor our students. To all of our faculty and staff, thank you. And to our students, take advantage of all that UAB and the world has to offer. I wish each of you safe travels and look forward to seeing you in August.
Thomas M. DiLorenzo, Ph.D.
Dean, College of Arts and Sciences
President Garrison's Summer Vocation Blog Post
As we look forward to well-deserved vacations and "staycations" of the summer months, many of our students are heeding that deeply-felt vocation to literally broaden horizons—to further their own studies and service abroad, explore other cultures, better equip themselves for their chosen fields, and establish themselves as citizens of the world.
As we look forward to well-deserved vacations and "staycations" of the summer months, many of our students are heeding that deeply-felt vocation to literally broaden horizons—to further their own studies and service abroad, explore other cultures, better equip themselves for their chosen fields, and establish themselves as citizens of the world.
Some of them are traveling to conduct exciting research and scholarship, others to do service-learning projects, and all of them are preparing themselves to make important and singular contributions to our local and global community.
I am always proud and amazed by the range of our students' summer pursuits—geographically and in terms of the many disciplines and fields represented. Through Study Away, and other programs such as Outreach Abroad and the Sparkman Center for Global Health, we have more than 150 undergraduate and graduate students in 23 different countries this summer. To highlight only a few:
- In the UK and Ireland, five students are doing research in chemistry, biomedical engineering, and mathematics, and scholarship in literature and creative writing.
- 27 students are studying foreign language and culture in Paris, Toledo (Spain) and throughout Japan.
- Nine students are in Costa Rica, working and shadowing doctors in a health clinic and conducting health classes in schools.
- Two students are in China and South Korea on highly competitive Critical Language Scholarships from the U.S. State Department.
- 11 students are doing materials engineering research in the German cities of Stuttgart, Munich and Aachen; 11 others are studying psychology in Prague; and 13 more are researching tropical biology in the Bahamas.
- Two students are in Zambia conducting lab-based and community-based efforts in HIV/AIDS prevention.
- 19 students are studying foreign language and literature, as well as international relations, in Chile, Argentina, Ecuador, Costa Rica and Peru.
- As part of a new interdisciplinary CAS minor called "Peace, Justice and Ecology," 11 students—from anthropology, chemistry, art history, international relations and other majors—are exploring the Indian cities of Delhi, Agra, and Dharamsala as they study non-violent social action, conflict resolution and the history of peace movements.
Through such projects, students are making great intellectual and cultural strides that benefit them personally and, in turn, enrich their community, state and nation. Having studied abroad, our students are all the better prepared to be leaders here at home, helping Alabama and the U.S. remain competitive in the global, knowledge economy.
I applaud these students, and the faculty and staff who mentor them, for answering a call this summer that will also carry them to rewarding lives and careers—to think and travel in new directions, to take a broader and richer perspective of the globe, and to strive for both success and service, in all seasons.
Carol Garrison
To view the President's Post and archives online, please visit www.uab.edu/president/post


text:
A collection of news and information related to Mike McCarthy published by this site and its partners.
Top Mike McCarthy Articles
Displaying items 78-88
Green Bay Packers' Eddie Lacy satisfied with his conditioning
Referees Union Formally Ratify Contract With NFL
Bring back the regular refs, NFL fans plead after chaotic ending
Hanie can't pull off the miracle
Who will be in next year's Super Bowl?Story | Feb 7, 2011 | 4:22 AMIt turned out to be a very good Super Bowl. A little too sloppy to make it a great one, in my opinion, but still very good. Give credit to the Steelers for fighting back to make it interesting. But there were lots of mistakes. The Steelers had three...
Packers-Colts game tops Friday ratings; Weather Channel scores, tooStory | Aug 27, 2011 | 4:40 PMThe Weather Channel came in at No. 6 with its 8:30 p.m. coverage of Hurricane Irene. That special programming drew 53,000 viewers. The Weather Channel placed three programs in the Top 20 for the night....
Aaron Rodgers: Suddenly a double threat for the Green Bay Packers?Story | Oct 3, 2011 | 4:33 PMAaron Rodgers put up career passing numbers Sunday, but the Green Bay quarterback might have been more excited about his two rushing touchdowns during the Packers' 49-23 victory over the Denver Broncos. He scored from 11 yards out in the......
Green Bay Packers: Will Aaron Rodgers & Co. go 16-0? [Poll]Story | Oct 10, 2011 | 4:33 PMThe Green Bay Packers are 5-0 and are riding an 11-game winning streak that includes their run to the Super Bowl championship. How long can quarterback Aaron Rodgers and company keep it going?...
2012 NFL Pro Bowl Jan. 29 on NBCStory | Jan 27, 2012 | 4:32 PMThe NFL's best — minus the players for the New England Patriots and the New York Giants who are participating in Super Bowl XLVI and any other players who have to withdraw due to "injury" — head to Aloha Stadium in Honolulu...
Nosovitch wins Maxwell Club's Jim Henry Award; will be honored in AC on March 2Story | Feb 8, 2012 | 4:22 PMAnother day, another award for Central Catholic senior Brendan Nosovitch. Maxwell Football Club president Ron Jaworski announced on Wednesday morning that the Vikings' record-breaking quarterback has been selected as the MFC's 27th Jim Henry Award winner....
McCarthy says Super Bowl photo to include injured players


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Search results
Sport - Hong Kong - GOLF
Why Tiffany Chan can change the face of Hong Kong golf
Posted Jul 05th 2014, 09:02pm by Rachel Jacqueline
... seen many of the players and know many of the players- it seems achievable." Next up for Chan is an event on the China LPGA Tour next month followed by the Asian Games and the World ...http://www.scmp.com/sport/hong-kong/article/1547468/ice-queen-cometh
Sport - China - GOLF
Historic milestone for 'grand slam' Liang Wenchong
Posted Jun 11th 2014, 09:27pm by Staff Reporter
... Staff Reporter The 35-year-old from Zhongshan will become the first player from China to tee up in all four majors when he lines up at the US Open Historic milestone for 'grand slam' Liang Liang Wenchong achieves another career milestone at the 114th US Open when he becomes the first player from China to tee up in all four majors. The 35-year-old from Zhongshan ...http://www.scmp.com/sport/china/article/1530254/historic-milestone-grand-slam-liang-wenchong
Sport - China - GOLF
Why the world's top golfers agree- China is set to dominate
Posted Apr 26th 2014, 10:35pm by Noel Prentice
... are mobilising. Many have privileged backgrounds and can do their own thing- in China or abroad- with swing and conditioning coaches, while others rely on the China Golf Association and clubs. "Their presence and emergence is very real," says Poulter. "China take their sport very seriously and the addition of golf into the Olympics has helped China fast forward their golf programmes. ...http://www.scmp.com/sport/china/article/1497838/china-golfers-are-good-and-they-are-coming-says-ian-poulter
Former number one Park In-bee grabs first LPGA win of season
Posted Jun 09th 2014, 10:12am
... "Yeah, I think definitely. I really kick-started [my season] maybe the last week. Gave me some kind of motivation to go lower and harder on myself." Park trailed China's Feng Shanshan by two ...http://www.scmp.com/article/1528406/former-number-one-park-bee-grabs-first-lpga-win-season
Sport - China - GOLF
Money no object to boost local players for Volvo China Open
Posted Apr 22nd 2014, 11:06pm by Noel Prentice
... no effort- or money- to give Chinese golfers a head start at the 20th Volvo China Open. Thirty-three Chinese golfers will tee off in the 156-strong field on Thursday and all have been given a free ... and promoting the development of golf in China," said Deng, whose group specialises in real estate and medicine, with golf, hotels and catering as subsidiaries. As a professional golfer, you try ...http://www.scmp.com/sport/article/1494554/money-no-object-boost-local-players-volvo-china-open
Sport - Golf - GOLF
Liang Wenchong completes major set with US Open spot
Posted May 27th 2014, 10:26pm by Reuters
... Reuters Liang completes major set with US Open spot Television viewing figures for next month's US Open can expect a bump after China's Liang Wenchong ensured he would make his debut at the year's second major by topping sectional qualifying in Japan. The 35-year-old will be the first mainland Chinese to play in all four majors after posting a second round ...http://www.scmp.com/sport/golf/article/1520108/liang-wenchong-completes-major-set-us-open-spot
Sport - China - GOLF
US PGA Tour in for the long haul in China
Posted Mar 19th 2014, 01:14am by AFP
... in for long haul in China America's PGA Tour has pledged to stay in China for the long haul after taking the bold step of setting up a domestic circuit offering players a new route to the top level, including the Olympic Games. In a move that could have a big impact on mainland golf, and even the sport's future, the newly established PGA Tour China will roll out 12 events ...http://www.scmp.com/sport/china/article/1451908/us-pga-tour-long-haul-china
Sport - Hong Kong - GOLF
Hong Kong's James Stewart earns historic berth in China Open
Posted Mar 05th 2014, 12:21am by Staff Reporter
... Staff Reporter James Stewart has become the first Hong Kong player to qualify for the Volvo China Open since the event joined the European Tour. Stewart, 39, birdied the final hole of international qualifying at the Luhuitou Golf Club in Sanya to make the 20 million yuan (HK$25 million) event in Shenzhen in April, along with Taiwan's Mou Chung-ho and Daniel Woltman of the United ...http://www.scmp.com/sport/hong-kong/article/1440559/hong-kongs-james-stewart-earns-historic-berth-china-open
Sport - Golf - GOLF
Michelle Wie fires bogey-free round to join leader Lexi Thompson
Posted Apr 06th 2014, 09:30pm by AFP
... to share fifth place on 210. They were one shot in front of South Korean Chella Choi and first-round leader Feng Shanshan of China. Choi carded a 69 and Feng posted a 72 for 211. ...http://www.scmp.com/sport/golf/article/1466448/michelle-wie-fires-bogey-free-round-join-leader-lexi-thompson
Sport - China - GOLF
Feng Shanshan grabs lead at LPGA major as Michelle Wie starts well
Posted Apr 04th 2014, 01:11pm
... Reuters in Rancho Mirage, United States Feng Shanshan picked the brain of a wily veteran en route to grabbing the first round lead at the Kraft Nabisco Championship, the first major of the women's season, on Thursday. Feng, China's first winner on the LPGA Tour, carded a six-under-par 66 to lead American Michelle Wie and South Korean Pak Se-ri by one stroke. She was telling me ...http://www.scmp.com/sport/china/article/1464588/feng-shanshan-grabs-lead-lpga-major-michelle-wie-starts-well
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text:
The hits just keep coming from the Google/Motorola deal. The $12.5 billion deal is now actually well past $13 billion in costs.
My favorite throw-away line from Claire Cain Miller's New York Times piece:
In August, Google announced the layoffs and cuts as part of its broader plan to turn around Motorola Mobility, which has been unprofitable for 14 of the last 16 quarters.
For you non-math majors, 16 quarters is the last four years.
Google bought the Titanic. And they bought it when it was already underwater.
$13B for a money-loser.


text:
Dr. Terry Jones Announces Worldwide Burning of 2,998 Un-Holy Qurans September 11, 2014
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text:
World Wetlands Day 2001: Australia
1st March 2001
Delmar Blasco
Ramsar Convention Bureau
rue Mauverney 28
Dear Delmar,
I would like to thank you for the support and resources provided by the Bureau for World Wetlands Day (WWD) celebrations in Australia, 2001. The announcement on your website of the three new Australian Ramsar sites and the extensions to four existing sites, and the advertisement of our WWD postcard on your web site were very much appreciated. I am happy to report that the series of Ramsar posters proved very popular and were used as the major display within Environment Australia during World Wetlands Week. I have enclosed some photographs as illustrations of their use.
I would also like to take this opportunity to report on the success of WWD and the following week. Australia had a large number of National Launches on WWD. These included:
- the announcement of Australia's new Ramsar Sites;
- the launch of the 3rd edition of A Directory of Important Wetlands in Australia;
- the launch of the National Wetland CEPA Action Plan; and
- the launch of the Asia Pacific Migratory Waterbird Conservation Strategy 2001-2005 and Shorebird Action Plan.
During the following week Environment Australia hosted a seminar series on a number of Wetland related topics. A large number of events were also held across Australia, largely hosted by community groups and State Government agencies. I have enclosed a copy of the timetable of events and activities for your information.
I have also enclosed a copy of the 3rd edition of A Directory of Important Wetlands in Australia. The Directory provides a comprehensive inventory of Australia's nationally important wetlands. A database version was also launched on WWD and is accessible at: http://www.environment.gov.au/water/wetlands .
I understand that a copy of Australia's CEPA plan has already been forwarded to the Bureau. It is also available through our website at: http://www.environment.gov.au/water/wetlands/publications.htm
Australia is looking forward to reporting on its continuing commitment to wetlands conservation in its National Report to COP8, which will be submitted later this year.
Your sincerely,
Alison Russell-French
Assistant Secretary
Marine, Coasts and Wetlands Branch
Environment Australia


text:
2005-04-01 / Schools/Sports
Massapequa High School National Honor Society hosts blood drive
On Tuesday, November 16, the National Honor Society at Massapequa High School hosted a blood drive. Many local businesses made donations in support of this important cause.
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Nothing is out of bounds in the first season of this SPIKE original comedy. At the center of the action are the Blue Mountain State Goats, the team with the nastiest sacks in all of college football. watch
"Blue Mountain State" follows the on and off-field antics of college football powerhouse, Blue Mountain State. Former NFL running back and veteran actor, Ed Marinaro ("Hill Street Blues"), stars as no-nonsense Coach Daniels. watch
Things could get a bit physical on Bones this season. The Fox drama has booked Ultimate Fighting Championship star Chuck Liddell to guest-star on the new season's fourth episode, TVGuide.com has learned exclusively. Fall Preview: Get scoop on your favorite returning showsBuilding off his real-life persona, Liddell will play a mixed martial artist considered to be the toughest guy in the world. However, his connection to the case of the week will provide some interaction with Booth...
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Ashton Kutcher already has one ally in his corner when he replaces Charlie Sheen on Two and a Half Men this fall. "I think Ashton is going ...
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text:
McCormick & Schmick's Seafood - Oak Brook
- Address:
3001 Butterfield Road
Oak Brook Promenade
Oak Brook, IL 60523Neighborhood:
Oak Brook
- Cuisine:
SeafoodPrice: $30 and under
McCormick & Schmick's Seafood - Oak Brook
- Dining Style: Casual Elegant
- Website: http://www.mccormickandschmicks.com/Locations/chicago-illinois/oakbrook-illinois/butterfield-road.aspx
- Phone: 6305713700
- Hours of Operation:
- Payment Options: AMEX,Diners Club,Discover,MasterCard,Visa
- Cuisine: Steak, Seafood, American
- Executive Chef: Mick Verheyen
- Dress Code: Smart Casual
- Accepts Walk-Ins: Yes
- Additional Details: Banquet/Private Rooms, Bar Dining, Counter Seating, Entertainment, Full Bar, Happy Hour, Late Night, Non-Smoking Restaurant, Patio/Outdoor Dining, Personal wines welcome, Personal wines welcome (corkage fee applies), Private Room, Takeout, View, Wheelchair Access, Wine
- Special Events: Looking to book a private party for a company outing or a rehearsal dinner? Come in and take a look at our Private Dining room. Large enough to accommodate groups up to 40 guests, our private dining room overlooks the four acre lake in the Oak Brook Promenade. Rich with Mahogany millwork, stained glass and seafood art, this room also boasts a wall lined with French doors for access to our outside patio. But if you think it stops there ask us to host a party in the warmer months of the year and we'll open up those French doors and have a party of up to 95 people!
A word from McCormick & Schmick's Seafood - Oak Brook
McCormick & Schmick's Seafood & Steaks in Oak Brook, Illinois is located in the Oak Brook Promenade with convenient access to the I-88 Tollway, the Yorktown Shopping Center and movie theaters and local hotels.Continued
McCormick and Schmick's strives to be the best fresh seafood restaurant available featuring a traditional scratch bar with hand shaken cocktails in a classic seafood house setting.
McCormick and Schmick's strives to be the best fresh seafood restaurant available featuring a traditional scratch bar with hand shaken cocktails in a classic seafood house setting.
Foodspotting photosSee all photos
Awards voted by OpenTable diners
- Diners' Choice WinnerMost Booked 1000-Point Tables
McCormick & Schmick's Seafood - Oak Brook - Best Restaurants in Oak Brook ›
McCormick & Schmick's Seafood - Oak Brook reviews from OpenTable diners
200 reviews since June 4, 2014
- Food4Service3.9
- Ambiance4Noise LevelModerate
special occasion (96)romantic (54)great for outdoor dining (50)good for groups (46)great for lunch (40)fit for foodies (38)neighborhood gem (31)notable wine list (31)scenic view (19)hot spot (14)vibrant bar scene (9)great for brunch (8)kid-friendly (7)late-night find (2)Show More
- diningVIPDined on 9/28/2014Delicious dinner...grilled fall veggies were absolutely delicious...however...need to learn how to make a good cappuccinoSpecial Features:I would recommend this to a friend.
- seafoodFoodieVIPDined on 9/27/2014Another great meal at this restaurant. I had the scallops on a bed of spinach over a crab/potato disc. Very good, and the scallops were cooked perfectly. My bf had the flouder which was very tasty as well.Special Features:I would recommend this to a friend.
- Good experienceOpenTable Diner Since 2010Dined on 9/27/2014I've been to this McCormick & Schmicks before and had a good meal but somewhat average experience. Their Mgr. showed concern and asked if we'd return. We are glad we did. This experience was excellent for a special occassion with my family of 4 (wife's Birthday). Our waitress, Danna, was energetic and attentive without being overbearing. the meal was worth the price and everyone one of us thought it was excellent. I am glad we returned to M&S and we will be back in the future.Special Features:I would recommend this to a friend.
- Service / Special attentionBirthdayexperienceDined on 9/27/2014We drove 40 miles to celebrate my lady's birthday. When I reserved it, I had noted and asked for a simple request, to put a candle on her desert at the end of dinner. I called the same day to confirm the reservation and my request and I was assured it was there. Yet, when the desert came. there was no candle and I had to ask for that and that spoiled the whole surprise. The waitress did check the system and it was there but whoever was in charge of doing this messed up. JohnSpecial Features:
- "Last Chance" Visit Rewarding!fardriverVIPDined on 9/26/2014We had previously crossed off McCormick & Schmick on our list of favorites due to past bad experiences. However, we were enticed to return with a 1,000 point offer and we were not disappointed! Our dining experience was quite rewarding as the food and service far exceeded our expectations! Back on our favorites list and we will return.I would recommend this to a friend.
- Nice PlacejustchillingDined on 9/23/2014I chose M & S to bring a few coworkers from out of town to eat. The food (other than one steak was over cooked) was excellent. It's a bit pricey so it's not a place I or my company can afford often but it was a treat for us this past visit.Special Features:
- somehow differentDesmoDirkVIPDined on 9/21/2014Sunday eve reservation for 4, maybe 25% of the tables were taken. Waiter was friendly but highly inefficient: 10 minutes wait for cocktails, after another 10 minutes coming back to find out he forgot the lemonade for my son, then bringing wrong lemonade and trying to talk my son to accept what he has brought... He never asked if we wanted another drink after the cocktails to accompany the food. Continued slow pace until end of dinner. Bread was cold, 3 small pieces for the 4 of us. Starters and Fish selections were really good, but rather small sized, the NY strip steak was ordered 'medium', but it came closer to well done. I didn't claim it since I didn't want to wait for another 30 minutes... Rather pricy experience which I won't repeat.
- AmazingDpapaDined on 9/20/2014Every dish we had was amazing- from the shrimp kisses all the way to desert
- Nothing specialOpenTable Diner Since 2008Dined on 9/20/2014I was expecting more when I booked this restaurant for a party of 12 to celebrate my father's 80th birthday. The table was ready and it was a nice touch to have his special occasion printed on the menu. The atmosphere was congenial and our server did a nice job keeping up with our drink orders and requests for extra bread, etc. Unfortunately the food was just average, considering the price. We were especially disappointed with the oysters (very small!). The portions for seafood items in general were small and, in my opinion, average in flavor. Also, there was no special token dessert to honor my dad. I have eaten at a McCormick's in another city and was very impressed with the food. This location did not live up to my expectations.
- Good seafoodChrisDined on 9/20/2014Good seafood. I made a reservation last minute and was able to get in for a nice evening out.I would recommend this to a friend.
- Great experienceJimmyDined on 9/19/2014Worst experience I had after they first opened but the best now that Landry's manage it. That is why I came back now after many years. ThanksSpecial Features:I would recommend this to a friend.
- mizzwizzVIPDined on 9/16/2014Appreciate the reasonably priced lunch entrees. Especially enjoyed the fish and chips but the only small disappointment was the cole slaw.Special Features:
- You will not be disappointedSeafoodieDined on 9/14/2014Friendly service and we were early for our on- line reservation but we were seated immediately. Food was prompt and cooked to perfection. The calarmi is a must have!! Pleasant atmosphere with comfortable seating. Lighting was perfect. Not to dark not to bright. All in all a very worthwhile evening out.Special Features:I would recommend this to a friend.
- great foodjaczacVIPDined on 9/13/2014The fish is fresh and tasty the coconut shrimp is great but the sauce makes the meal. Our waiter was very good and I highly recommendSpecial Features:
- They tried!BookchicVIPDined on 9/13/2014We had a bad experience two months ago with a cold entree.The manager called and when we dined there again, they sent a complementary appetizers to us. Our meal was going fine till my mahi mahi came out and was frozen! So frozen I couldn't cut it. Yes, frozen at what I assumed was a fresh seafood restaurant. HAD to call the waiter over who was gracious. Wouldn't you think they would have taken extra care with our meal since we had a problem on the previous visit? They re-made my entree(which was delicious) and comped a glass of wine for me to sip while I waited for my replacement. They also comped dessert, (I'm diabetic so I didn't care about dessert) but I expect a restaurant of their caliber to at least comp my entree if not my meal.Special Features:
- Great food and environmentOpenTable Diner Since 2002VIPDined on 9/7/2014We sat outside and enjoyed a very nice dinner. Helpful staff handled the Lawry's points very efficiently. Good price for a Sunday dinner special.
- Nice evening outGizmogirl256Dined on 9/6/2014A nice dinner with a menu that had enough for everyone. Decent food for a chain restaurant.Special Features:I would recommend this to a friend.
- Very Nice, Delicious FoodHusbandOfMyWifeDined on 9/6/2014I took my wife to McCormick & Schmick's for her birthday. We sat on the patio out back overlooking the retention pond. It was a beautiful and romantic setting for a beautiful, sunshine-filled Saturday afternoon. The food was delicious. Although the vegetables were a bit on the salty side, the fish entrees were excellent.Special Features:
- DisappointedeatinoutDined on 9/5/2014We went on a Friday night. It was very empty for a Friday night. Service was good, but food was cold. Overall expensive for what you got.
- DinnerOpenTable Diner Since 2003VIPDined on 9/1/2014Food and outdoor seating were good as usual. Service was a little "absent". No bread and had to ask for special menu of the day.Special Features:
- Everyone taken care offuntimeDined on 9/1/2014We went on Labor Day in the middle of the afternoon with a party of 12 to celebrate our mother's 83rd birthday. With a variety of ages, youngest being 2 yrs old, and equally diverse food and beverage tastes everyone's tastes were accommodated. The service was great, nothing was missed and we were all able to relax and enjoy each other's company.Special Features:I would recommend this to a friend.
- Excellent Almond Crusted Trout !tudorgirlDined on 9/1/2014I truly enjoyed the trout I ordered, but I like a restaurant that doesn't send you home still hungry. There is no bread. There is no salad before the meal. I still remain a fan of Red Lobster, where you can have lovely fish and a salad and cheddar bay buns. Yum.Special Features:I would recommend this to a friend.
- OpenTable Diner Since 2004VIPDined on 8/31/2014We waited for our main course for about an hour. The server kept apologizing that they were understaffed. At the end of the meal, the manager came by our table to apologize and offered to give our kids free dessert, but we already paid the bill. It would have been nice for the manager to come to each table and tell us that dessert was complimentary if they wanted to make it up to us for the slow service. We have eaten here many times before, and the service is very good. We will come back, but I feel that we were not compensated for the slow service. We are also a Landry's Select member.Special Features:
- SpecialjohnnyDined on 8/30/2014Great place to go with someone special. Great food and super service. Nice wine list.Special Features:
- Less expensive on a week nightBobbieVIPDined on 8/30/2014Noticed there is a special 3 course dinner, I think Sun-Thu. But on Saturday night, 3 courses are quite expensive.Special Features:
- Poor serviceOpenTable Diner Since 2005Dined on 8/29/2014Service was not good the night we ate at MS. From a table set for four, took a bit to correct it for 2. No water refills, knife taken after appetizer, could not find waiter so I took knives from another set table. Never a follow up asking about our meal. Very uninspiring night out.
- Nothing to write aboutOpenTable Diner Since 2014Dined on 8/29/2014The steaks were just ok. My 83 year old father did not enjoy his crab legs. They were very difficult to break into. We had to use a knife to operate on them to get the meat out. Once we opened it up, not much to get.
- Seafood loversbeachluverDined on 8/28/2014My husband and I are always on a hunt for a new seafood restaurant to try. We had never been to McCormick & Schmick's. Service very prompt. Only problems we had was with the bar however we did not complain. My husband asked for a margarita. Not a frozen margarita. Just a regular margarita. It took awhile to get the drink and our server told us the bartender was trying to work something up. I ordered a glass of merlot. Not a cheap glass at all at a cost of 12.50. It had the flavor of wine that had been in an open bottle for a week or two. While the food was good, we didn't feel that anything on the menu stood out as different or something we can only get at McCormick and Schmicks. For this reason we probably would not go back.
- Great foodJTernandDined on 8/25/2014The Food is always prepared to perfection and you are given a wide variety of food options.Special Features:
- A great dining experience...OakbrookmavenDined on 8/23/2014I had not dined at a McCormick & Schmick's Seafood Restaurant in many years. The entire experience exceeded my expectations. The service was excellent, I was able to order a wine favorite, and the meal was served at the correct temperature and cooked to perfection.Special Features:
- Really Good EatsLovieDovie1Dined on 8/23/2014I was surprised at how delicious ALL the seafood that the table order was. Every single item was FABULOUS! We each did a little sampling here and there. The meals were Al a cart but not overly expensive. I'm planning to return very soon.Special Features:
- Birthday DinnerFoodieQueenDined on 8/22/2014So i went here last night for my birthday dinner and the food was good and the customer service was great , and our waitress was GREAT her was DANA .Special Features:I would recommend this to a friend.
- Attentive serviceTraveDined on 8/22/2014Server was very attentive and friendly. Salads and potato sides were tasty. I asked for medium on my steak and it came out well done. Tasty but dry.Special Features:
- Great Group LuncheonFineDinerDined on 8/18/201410 of us had a mini reunion with a friend who moved out of state and it was the perfect place for such a gathering. Everyone loved the food, service and ambiance. Would definitely recommend this restaurant.Special Features:I would recommend this to a friend.
- 5th anniversaryBETSYVIPDined on 8/17/2014In my open table comment section, I mentioned I was taking my nephew and his family out for their 5th anniversary. The menu marking the celebration was a very nice touch as well as the complimentary dessert. Sara, our server was on top of things and the recommendations she made were spot on, she was excellent. All entrees were superb, the only mediocre food was the mashed potatoes, they were cold and the cole slaw was way under seasoned, it seemed like it was missing some key ingredient.. The basil cocktail was excellent and the beer was served in icy glasses. I'll be in Chicago several times on business this fall and we're already talking about our return trip to your restaurant. Thanks for making our dinner a great experience.Special Features:
- MediocreMelanieDined on 8/16/2014We were looking for a good steak & seafood place in the burbs and decided to try M & S. It was easy to get a last minute reservation. The restaurant was pretty empty, especially for a saturday night. Now I know why. Nothing was outstanding! Mariners mojito tasted like cough medicine. Too much dressing on the salad which was supposed to be on the side, my steak was medium rare, but I ordered well done. They did a couple things right. First, crab-stuffed shrimp was pretty tasty. Oysters were good, too. As for the salmon and scallops, they were just okay. Service wasn't bad but I expected more for the prices. If my water glass is empty, that is a clue to fill it. And please take the dirty bread plates off the table.
- Great first impressionHookedDined on 8/16/2014My wife and I went to McCormick/Schmick's to celebrate our 40th wedding anniversary. Everything from walking in the door to being seated to the service to the meal was excellent. As we walked out the employees all wished a good night and thanked us for coming. The Stuffed Atlantic Salmon was fantastic. My wife's Walleye was delicious. We'll most certainly will be going back. sSpecial Features:
- The place to go fo special occasionOpenTable Diner Since 2010Dined on 8/15/2014Beautiful up class restaurant with ambiance, find wait staff & delicious food. Best mixed drink I've had in ages.Special Features:I would recommend this to a friend.
- Quite disappointingMrwattVIPDined on 8/13/2014Our service was not even closer to what we had experienced before at McCormick and Schmick. We waited for over 10 minutes for a waitress to stop by at all. The restaurants was not crowded at all. After our drink order it was 20 minutes before our wine arrived. We weren't in a hurry, but would have enjoyed our evening if the service had been somewhat more prompt.
- DisappointedOneman23Dined on 8/10/2014Server not informative about dishes. Server assumed that my family was familiar with the menu. As a result undesireable items were served. 3 family members dined of which one meal was not cooked properly but consumed to maintain a somewhat pleasant dining experience. Overall not a good way to celebrate a 24th wedding anniversary.