text:
It's Sexy, Fun and Free! Why Wait? Call Now!Pick up the phone and chat with extroverted singles near you.
Look Whose Chatting Right Now in Your Town
Socialize and Chat the Night Away with the Sexiest Toledo Singles!
Are you like the many single men and women out there who are looking to meet other singles in your town? Our Toledo Chat Line will help you take the first step in the local dating and social world. Many chat lines only have a small selection of locals using their services. Toledo Chat Line is a specialized service that is dedicated to bringing local party people together, everyone is from your town and so it's effortless to find others who share the same hobbies as you. You get to meet hot local people to enjoy time with, and it's easier than you think. In today's world, just because your super busy doesn't mean you can't make a little time to meet other available local people. There is no reason to not have a social life any more. Now you can meet hot locals who are looking for fun and more, and enjoy it from the privacy of your house. And believe it or not, it's 100% free so dial up the Toledo Chat Line now and indulge in the sexiness!


text:
Spectra RO water purifier from Bloom for multistage purification for safe water
Bloom Spectra with RO and UV filtration to give you clear pure refreshing water on tap. With its six stage purification system
it removes the germs, TDS and other chemicals from water for you to enjoy the benefits of healthy, crystal clear water.
For More Details:
On July 16 2015 at Delhi, Delhi, India 7 Views
male - 19/02
153 Photos
Delhi, Delhi, India

subset: commoncrawl


text:
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
Employer Health Benefits
The Kaiser Family Foundation and Health Research and Educational Trust
September 2, 2010
The average annual premiums for employer-sponsored health insurance in 2010 are $5,049 for single coverage and $13,770 for family coverage.
Twenty percent of covered workers are in plans with an annual total premium for family coverage of at least $16,524 (120% of the average premium).
Covered workers on average contribute 19% of the total premium for single coverage (up from 17% in 2009) and 30% for family coverage (up from 27% in 2009).
Fifty-one percent of workers with family coverage pay more than 25% of the total premium.
Among workers with a deductible, the average general annual deductible for single coverage is $675 for workers in PPOs, $601 for workers in HMOs, $1,048 for workers in POS plans, and $1,903 for workers in HDHP/SOs.
For the last two years we have asked employers about changes that they made to their health benefits in response to the poor economy. Among large firms (200 or more workers), 38% reported reducing the scope of benefits or increasing cost sharing, up from 22% in 2009, while 36% reported increasing their workers' premium share, up from 22% in 2009.
Tracking whether and how worker out-of-pocket costs continue to grow will be an important focus for the survey over the next few years. The slow economic recovery and continuing high unemployment suggests that this trend of increasing out-of-pocket costs will persist, as workers have little clout to demand better benefits or lower costs in the current labor environment.
Full report (226 pages):
By design, the Patient Protection and Affordable Care Act (PPACA) will have the least impact on employer-sponsored health plans. Congress did not want to disturb these plans that seemed to be working reasonably well, in that they covered more of us than all other programs, and were already generously funded with employer contributions. This annual report on employer health benefits is even more relevant this year since Congress, through PPACA, has deemed that we will be living with these plans for decades to come.
The report brings us terrible news. Premiums continue to rise at intolerable rates, and more of the premium costs are being shifted to the employees. Employers also are requiring greater cost sharing on the part of their employees, especially in the form of higher deductibles. Employees are paying more for less protection.
With the poor economy employees need greater relief, yet employers are seeking relief for themselves by placing an even greater financial burden on their own employees.
This is a one-way trend. Employers will continue to seek ways to reduce the costs of their health benefit programs, and an ever increasing amount of the burden will be borne by the employees. Should we really be leaving these decisions in the hands of the employers?
Drew Altman, president and CEO of the Kaiser Family Foundation, said, "The new law helps a lot of people in a lot of ways… but in general it left employer-based coverage alone. That is what the politics of health care dictated and what the American people asked for." (Kaiser Health News, Sep 2)
If Americans really prefer their employer-sponsored plans, then why are they so relieved when they get to go on Medicare? How much more burden will Americans have to bear before they change the politics and start demanding Medicare for all?
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
By Don McCanne
September 1, 2010
Speaker John Perez of the California State Assembly, on the very last day of the legislative session, pulled SB 810, the single payer bill, from the Assembly floor.
This highly unusual move of pulling a bill that had cleared all legislative hurdles except for the final Assembly floor vote was to protect Democrats from having to cast a health care reform vote in a difficult political environment three months before the next election.
Democrats feared a backlash from those who are opposed to the recently enacted federal health care legislation should they vote for the bill, and they feared offending their progressive base should they vote against the bill. Since a veto by Gov. Schwarzenegger was a given, it was decided that it would be safer to avoid the political risks by simply pulling the bill.
But did they really avoid that risk? Are the single payer advocates expendable? Don't think so.
Fortunately, Senator Mark Leno is not to be deterred. He has vowed to reintroduce the bill in the next legislative session which begins in January.
The Democrats are worried about their political base, but maybe that's not the framing we should be looking at. Perhaps the single payer advocates should be reassessing their own base instead.
Not all Democrats have been supportive of single payer, and several Republicans who are not part of the prevailing lock-step bloc do understand the benefits of the single payer model. The Patient Protection and Affordable Care Act is proof that we can't rely on the Democrats to do the right thing. Most importantly, everyone understands the benefits of Medicare as a social insurance program (even if there is a fringe reactionary element that would emasculate it).
The Tea Party is proving that passionate voices can be heard. Maybe we can learn from them, though our message should contain more than simple platitudes. Our message needs to convey the principled substance of health care justice, and it needs to be loud, clear and highly infectious.
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
Health Insurer Cash Shifts to Favor Republicans Before Election
By Drew Armstrong
August 26, 2010
Health insurers led by WellPoint Inc. are backing Republicans with campaign donations by an 8-to-1 margin, favoring the party that's promised to repeal President Barack Obama's health-care overhaul if it wins back Congress.
WellPoint, Humana, Aetna, Cigna and UnitedHealth Group Inc. have also been considering a $20 million-plus campaign fund to reward friends and punish enemies in Congress. That fund would target vulnerable Democrats who have spoken out against the industry, and would support candidates who are likely to argue for the industry's positions during future debate on the health overhaul.
With private insurers supporting Republicans by an 8-to-1 margin, there is no question but that the insurers are supporting their own financial interests, regardless of the negative impact on people who need health care.
The Republicans remain opposed to all forms of social insurance that would make health care accessible and affordable for everyone (not that the Democrats did much better this time around). Instead Republicans support measures such as high-deductible health plans, health savings accounts, elimination of mandated benefits such as mental health and maternity care, and promoting interstate sale of less regulated, Spartan plans.
Insurers prefer these plans because they are the most profitable. Many individuals in the large healthy sector of our population tend to prefer these plans because the premiums are lower. Unfortunately for the sick, these plans shift a burdensome amount of the health care costs to the patients in need, not to mention the fact that the insurers have been relatively successful in avoiding these higher-cost individuals in the first place.
Republicans support these proposals because of their ideological stance, believing that each person should be responsible for their own welfare, making exceptions only for those who are the most destitute, not of their own making. They oppose the social solidarity of "collectivist" approaches such as universal insurance programs, whether public or private.
A distinction should be made between the current, lock-step, obstructionist, party-of-NO Republicans, and the nearly extinct species of progressive Republican – many of whom have become independent. It is this obstructionist Republican bloc that serves so well the interests of the private insurers.
It's sad that the Democrats got into bed with these people. The Democrats ended up supporting the right-wing private insurance model of Mitt Romney and the Heritage Foundation to appease the Republicans and the private insurers. That resulted in the enactment of a terribly flawed program that will not adequately control costs, and will leave tens of millions uninsured and many more underinsured.
The insurers now want to send us more of these reactionary politicians. Aren't there enough of us who care about the health of all of our people to step up and counter this? Or is it merely all words (for the pollsters), and no action (on behalf of those with health care needs)?
Where are our activists?
By Kip Sullivan
The campaign to create a "public option" ended in failure last March when Congress passed the Patient Protection and Affordable Care Act with no "option" in it.
This failure occurred even though the "option" campaign happily allowed their proposal to be transformed from one that would have taken 130 million customers away from the insurance industry and given the insurance industry no subsidies, to one that took zero to 10 million customers away and gave hundreds of billions of dollars to the insurance industry. Even after "option" advocates had degraded the "option" to a sad little token of a program, Congress refused to incorporate it into PPACA.
There are several useful lessons to be learned from the failure of the "option" campaign. However, you won't find them in an August 17 article in The American Prospect entitled "Health Reform 2.0" by Jacob Hacker, the most visible scholar in the "option" campaign.
Rather than give us his assessment of what went wrong, Hacker celebrates PPACA and issues recommendations for improving it that are so vague they amount to platitudes. Here are examples:
Any questions?
The following two sentences are the only ones in Hacker's article that resemble analysis:
[T]he public-option debate was a case study in why cost control is so hard: Conservative Democrats first effectively stripped out the tools of cost control that would have allowed the public option to compete aggressively with private insurers. Then they complained that the public option wouldn't control costs!
So why were "conservative Democrats" successful in stripping the "option" of its alleged cost-containment tools? Hacker doesn't say. We may infer from Hacker's silence that he would prefer his readers not question the decisions the "option" campaign made.
But the decision by Hacker and the leadership of Health Care for America Now (HCAN, the coalition that led the "option" campaign) to abandon single-payer legislation in favor of the "option" on "political feasibility" grounds ought to be questioned. Over the last five years, Hacker has repeatedly argued that single-payer legislation is not "feasible" because the American public is "stubbornly attached" to the current system. By the same logic, he also argued that "option" legislation could pass because it leaves the current multiple-payer system intact.
Here is a particularly condescending example of Hacker's argument taken from an article he published in 2007 the New England Journal of Medicine in which Hacker criticizes Michael Moore for supporting a single-payer system:
Moore wants to do away with it all. His "prescription for change," available on the Sicko Web site, calls for giving every U.S. resident "free, universal health care for life" [and] abolishing "all health insurance companies…." Moore clearly does not think much of the health plans being offered by Democratic presidential candidates Barack Obama and John Edwards. The Sicko site directs us to a new vehicle for "netroots" organizing sponsored by Physicians for a National Health Program … which warns, "Beware of Phony Universal Coverage: Many political candidates say they support 'universal health care,' but usually this just means making more Americans insurance company customers. Real universal coverage means evicting insurance companies and establishing a national health program instead." It is an appealing vision, in many ways…. But it is also unrealistic. Sadly most Americans … can be frightened into believing that changing [the current] entrenched and inadequate system means paying more for less.
("Healing our Sicko health care system," New England Journal of Medicine 2007;357:733-735, 734.)
Having criticized Moore for being "unrealistic," Hacker went on to urge his readers to abandon single-payer and support the version of the "option" he was promoting back then, a version he called the "Health Care for America Plan."
We all know what happened over the next two years. Single payer was taken "off the table" because it was "unrealistic" and an utterly innocuous version of the "option" was placed on the table. But, alas, even this "option" turned out to be "unrealistic," and so it was also removed from the table. What remained on the table was the centerpiece of what became PPACA – a mammoth insurance industry bailout. The PNHP warning that Hacker scoffed at in 2007 turned out to be 100 percent accurate.
As PNHP had warned, the legislation Obama supported (and that Hacker now celebrates) turned out to be a scheme to turn even more Americans into "insurance company customers." Under PPACA, the insurance industry will get 20 million to 25 million new customers (16 million directly, and a few more million through the expansion of privatized state Medicaid programs), and the premiums of most of these customers will be subsidized by the taxpayer.
The net result of Hacker's strategy: A "reform" bill with no "option" and no cost control which will leave half the uninsured uninsured a decade from now and which enriches the insurance industry.
This outcome begs for analysis. The "option" campaign was one of the most well-funded campaigns for a left-of-center proposal in American history (HCAN alone spent at least $51 million over the past two years). Moreover, the campaign took place at one of the more propitious moments for health reform in American history. And yet it failed completely. (This assessment assumes that Hacker and HCAN weren't all along promoting an insurance industry bailout under the guise of promoting an "option." I have questioned this assumption in a previous comment on this blog.)
But Hacker offers no analysis other than to blame "conservative Democrats" for whacking his "option." If it had been a single-payer bill that conservative Democrats successfully opposed in 2009 and early 2010, we know exactly what Hacker would be saying: He would be saying single-payer advocates are "unrealistic" people who don't understand Americans as well as he does. He would be saying, "Of course conservative Democrats killed the single-payer bill. They represent mainstream Americans who are stubbornly attached to the current system."
But, of course, it wasn't single-payer that got killed last year, it was Hacker's "option" – the completely gutted version – that got killed.
The lesson that Hacker and all of us who care about universal coverage should draw from the "option" debacle is that the "option" never was the Northwest Passage to universal health insurance in America. It will turn out to be more like the Donner Pass – a path that seemed from afar to lead over a mountain range of obstacles, but which turned out to be a trap.
It is imperative that the American universal coverage movement arrive at an accurate interpretation of the history of PPACA, including the "option" campaign's criticism of single-payer and its support for an insurance industry bailout. The interpretation I hope we all arrive at some day is that the "option" campaign squandered a golden opportunity to achieve real reform or to at least set the stage for the achievement of real reform in the near future.
The year 2009 was one of those rare windows of opportunity for fundamental reform of our health care system. Two-thirds of Americans supported a single-payer system. The nation's large and seasoned single-payer movement was chomping at the bit to fight for single-payer legislation.
But the "option" campaign squandered it all for an insurance industry bailout. Hacker's timid and inaccurate analysis of what was possible played a key role in this tragedy.
Kip Sullivan is a member of the steering committee of the Minnesota chapter of Physicians for a National Health Program (www.pnhp.org).
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
Groups Press Congress To End Patients' Wait For Medicare
By Jessica Marcy
Kaiser Health News
August 27, 2010
Under federal rules, most people with disabilities who are younger than 65 aren't eligible for Medicare until more than two years after they qualify for Social Security disability income. A coalition of more than 65 organizations led by the Medicare Rights Center has been pushing Congress to do away with the waiting period. But the effort has stalled because of the high cost to the federal government – an estimated $113 billion over 10 years, according to the Congressional Budget Office. That takes into account a $32 billion reduction in federal spending on Medicaid, the state-federal program for the poor and the disabled. Many people with disabilities go on Medicaid while they wait to become eligible for Medicare.
When Medicare expanded in 1972 to cover the disabled, Congress created the waiting period to help control costs and ensure that only people with severe, ongoing disabilities received coverage. About 17 percent of Medicare's total 47 million beneficiaries – just over 8 million people in 2010 – receive disability benefits, according to the Kaiser Family Foundation.
Still, the patient groups are pushing to end the Medicare waiting period because many people may still need government help. Currently, nearly 39 percent of patients are uninsured for at least some of the time during the Medicare two-year waiting period while 26 percent have no insurance for the entire time.
Discarding the Medicare waiting period "is always going to be an issue in Congress," said Edmund Haislmaier, senior health policy research fellow at the Heritage Foundation. "Some of it is money, some of it is politics, too. For members of Congress, irrespective of party or where they stand on the issue, it's kind of all-or-nothing because if they did it for some diseases, then they're immediately going to be inundated with 'Why didn't you do it for us?'"
Joseph Antos, health care policy scholar at the American Enterprise Institute, said that a total elimination of the waiting period was not going to happen. "Across the board eliminating the two years just doesn't seem practical," he said. "This really is a money issue."
When Congress expanded Medicare to cover individuals under 65 with long-term disabilities, they specified a two year waiting period to be certain that only those with truly permanent disabilities would be admitted to the program. Obviously this creates a hardship for precisely those for whom the eligibility was established. Will the Patient Protection and Affordable Care Act (PPACA) adequately address this injustice?
PPACA did not include any adjustments in the two year waiting period. Consequently different groups representing specific chronic disorders are lobbying for exceptions to the two year wait. Even if some of these groups achieve legislative success, it will not help the others who must wait the two years.
Since many lose their insurance and their income during that two year wait, some may become eligible for the expanded Medicaid program. Yesterday's message explained how Medicaid may leave those with chronic disorders underinsured with impaired outcomes, so this is certainly not a satisfactory solution. Besides, many with inadequate incomes may still fall above the threshold for Medicaid eligibility.
For those who lose their insurance during the two year wait, the individual mandate would require that they purchase private plans. Even with premium subsidies, these plans may still not be affordable. Besides, their low actuarial values will not provide adequate protection for these individuals with high health care costs, even with out-of-pocket spending subsidies.
PPACA included the CLASS Act (Community Living Assistance Services and Supports Act) designed to provide long-term care insurance. Though you might think that this provides an out, there are significant problems with CLASS. The program is voluntary and the individual must pay premiums for five years before benefits are available. That alone will exclude those with modest incomes who might consider the premiums to be unaffordable, especially for a program they can't use for five years and may never need. Furthermore, the benefits are anticipated to be quite meager and likely will provide only a modest daily cash benefit. The CLASS Act will not fulfill the insurance need for the two year gap.
The comments from the representatives of the Heritage Foundation and the American Enterprise Institute describe the real hurdles: politics and money. It's not that we can't find the money, but the anti-government politics of today is driven by the philosophy that the government has been drained dry so that no funds are available. That is ridiculous. Our national health expenditures are already adequate, but the funds are inequitably and inefficiently distributed. We need more government involvement, not less, in providing stewardship over our health care funds.
The two year waiting period is yet one more example of the profound injustices inherent in our fragmented, dysfunctional health care financing system – a unsound and iniquitous system perpetuated by Congress through the enactment of PPACA. All of this evil nonsense would go away if they instead would enact a single payer, improved Medicare for all.
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
Underinsurance among Children in the United States
By Michael D. Kogan, Ph.D., Paul W. Newacheck, Dr.P.H., Stephen J. Blumberg, Ph.D., Reem M. Ghandour, Dr.P.H., Gopal K. Singh, Ph.D., Bonnie B. Strickland, Ph.D., and Peter C. van Dyck, M.D., M.P.H.
The New England Journal of Medicine
August 25, 2010
Recent interest in policy regarding children's health insurance has focused on expanding coverage. Less attention has been devoted to the question of whether insurance sufficiently meets children's needs.
We estimated underinsurance among U.S. children on the basis of data from the 2007 National Survey of Children's Health (sample size, 91,642 children) regarding parents' or guardians' judgments of whether their children's insurance covered needed services and providers and reasonably covered costs. Data on adequacy were combined with data on continuity of insurance coverage to classify children as never insured during the past year, sometimes insured during the past year, continuously insured but inadequately covered (i.e., underinsured), and continuously insured and adequately covered. We examined the association between this classification and five overall indicators of health care access and quality: delayed or forgone care, difficulty obtaining needed care from a specialist, no preventive care, no developmental screening at a preventive visit, and care not meeting the criteria of a medical home.
We estimated that in 2007, 11 million children were without health insurance for all or part of the year, and 22.7% of children with continuous insurance coverage — 14.1 million children — were underinsured. Older children, Hispanic children, children in fair or poor health, and children with special health care needs were more likely to be underinsured. As compared with children who were continuously and adequately insured, uninsured and underinsured children were more likely to have problems with health care access and quality.
The number of underinsured children exceeded the number of children without insurance for all or part of the year studied. Access to health care and the quality of health care are suboptimal for uninsured and underinsured children. (Funded by the Health Resources and Services Administration.)
From the Discussion
We found that inadequate coverage of charges was far and away the most common source of underinsurance. We also found that children enrolled in private plans were more than three times as likely as their counterparts in public plans to have inadequate coverage of charges. This dramatic difference is probably the result of federal rules that permit only very limited cost sharing under Medicaid and modest cost sharing under the Children's Health Insurance Program.
Treating Underinsurance
By James M. Perrin, M.D.
Editorial, The New England Journal of Medicine
August 25, 2010
Health care reform, through the Patient Protection and Affordable Care Act of 2010, may improve access to needed health care services for people with chronic health conditions, including children. Key private insurance reforms, including the removal of provisions imposing lifetime limits or unreasonable limits on annual benefit, the removal of discriminatory premium rates, guaranteed availability of coverage, and dependent coverage for young people up the age of 26 years, may go a long way toward improving coverage for Americans and lowering out-of-pocket costs.
However, the growth in child and adolescent disability, combined with the problem of underinsurance and its effects on the quality of care and access to care, also highlights gaps that will remain in public insurance coverage even after the institution of safeguards affecting private coverage. The basic Medicaid program, unlike Medicare, includes long-term care benefits, such as care at home or in nursing homes and specialized therapies, and it serves as a vital source of financing for nursing home care (about 41% of current total nursing home support). The assumption that most children are healthy, however, has led policymakers to limit long-term care and coverage of a number of other benefits for chronic conditions in other programs for children. SCHIP provided a less generous benefit package — and excluded coverage of services for many chronic conditions (e.g., respiratory therapy, speech and language services, and home-based services) on the basis of the belief that the SCHIP population would not need such benefits. Research conducted since the enactment of SCHIP has indicated that substantial numbers of enrolled children have chronic conditions and could benefit from these services.
The Affordable Care Act calls for a major expansion in Medicaid, especially to provide insurance for a large number of currently uninsured and ineligible adults — that is, those under 65 years of age who have incomes below 133% of the federal poverty line (an estimated 12 million to 17 million people). Here, too, the benefit package will resemble the SCHIP (now CHIP) benefit, with an emphasis on coverage of care for acute conditions and less generous coverage of long-term care. Yet the members of the low-income adult population who will become eligible under this Medicaid expansion include substantial numbers of people with chronic conditions, especially mental health conditions. Here, too, for cases in which long-term care is needed, the Medicaid expansion may leave many newly insured people underinsured. For those instances in which the major epidemics of chronic conditions among adolescents have already begun to affect the young adult population, it is unlikely that many of these young people, even with their new Medicaid coverage, will receive the coverage they need for long-term care.
Being underinsured often results in the same or similar adverse outcomes as not being insured at all. This study demonstrates that the problem of underinsurance amongst children is even more widespread than being uninsured. Does the Patient Protection and Affordable Care Act (PPACA) adequately address this shameful injustice?
PPACA does expand coverage for children through the individual mandate to purchase private insurance, though this study demonstrates that private insurance plans were three times as likely as public insurance plans to have inadequate coverage of charges. Thus PPACA, while reducing the numbers who are uninsured, actually increases the incidence of underinsurance. Most will still be insured through private employer-sponsored plans. For those purchasing their plans through the exchanges, the subsidies will provide some relief but still will not be not adequate to eliminate underinsurance.
PPACA also expands Medicaid, though primarily for adults. Although Medicaid and CHIP cover out-of-pocket expenses better than do the private plans, the editorial by James Perrin explains how lower-income individuals in these programs may still be underinsured. This is particularly true of those with chronic conditions who may need long-term care.
An appropriately designed single payer system eliminates the problem of underinsurance by eliminating significant cost sharing for all appropriate health care services. The efficiencies and policies of the single payer model create enough savings to pay these costs equitably without increasing our national health expenditures.
As long as we remain content with merely tweaking PPACA, we will continue to live in a society that tolerates exposing individuals and families to the hardships created by underinsurance or by having no insurance at all. Certainly we must be a better nation than that.
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
States Should Structure Insurance Exchanges to Minimize Adverse Selection
By Sarah Lueck
Center on Budget and Policy Priorities
August 17, 2010
The health reform law (the Affordable Care Act) relies primarily on states to establish health insurance exchanges — marketplaces that provide affordable, good-quality coverage options to individuals and small businesses. But it gives states substantial flexibility in how they structure the exchanges.
Adverse selection — the separation of healthier and less-healthy people into different insurance arrangements — will occur if a disproportionate number of people who are in poorer health and have high health expenses enroll in coverage through the insurance exchanges, while healthier, lower-cost people disproportionately enroll in plans offered through the individual and small-business markets outside the exchanges. If that occurs, the cost of exchange coverage will be higher than the cost of plans offered in outside markets. That would drive up costs not only for consumers and small firms purchasing coverage through the exchanges, but also for the federal government, which must provide premium subsidies to enable low- and moderate-income people to afford coverage in the exchanges.
Higher premiums would depress participation in the exchanges by individuals and small businesses, particularly by those people and firms that can obtain better deals in outside markets. That, in turn, could raise premiums even higher in the exchanges and could ultimately result in their failure over time.
Risk Adjustment and Risk Pooling Will Reduce But Not Prevent Adverse Selection
The law also requires use of a risk-adjustment system, in which plans with sicker-than-average overall enrollments receive payments to compensate them for their resulting higher costs. The payments would come from plans that enroll healthier-than-average people that do not cost as much to cover.
As CBO has warned, the inability of current risk-adjustment systems to fully adjust for differences in health care costs between low- and high-cost groups means that, among plans in the same risk-adjustment system, "premiums for enrollees in plans that attract higher-cost beneficiaries [could] rise substantially over time."
Another potentially helpful provision of the Affordable Care Act requires a "single risk pool," meaning that each insurer operating inside and outside of an exchange will be required to treat all of its enrollees as a single group when setting premiums.
These pooling requirements, however, have significant limitations — for example, the risk-pooling requirement would apply only to insurers that choose to sell products both inside and outside an exchange. And as noted below, even in cases when insurers do sell products in both markets, it is likely to be difficult to enforce the requirement and ensure that risk is actually being pooled. In addition, the requirement that insurers offering identical plans in both markets charge the same premium in both places is weakened by the fact that the Affordable Care Act does not require insurers participating in both markets to offer the same plans inside and outside the exchange.
Some Elements of the Affordable Care Act Leave Exchanges at Risk for Adverse Selection
Under the Affordable Care Act, the existing individual and small-group markets can continue to operate outside the exchanges. Many of the law's requirements relating to individual and small-group insurance plans will apply regardless of whether the plans are offered inside or outside the exchanges. For example, all new plans offered — whether through the exchanges or through outside markets — will have to provide a package of "essential benefits" and a minimum level of coverage (as measured by actuarial value). In addition, the law's new "rating rules," including those that prevent insurers from charging different prices based on a person's health status, will apply to new individual-market and small-group plans regardless of whether the plans are offered inside or outside the exchanges.
But various other Affordable Care Act requirements apply only to health plans offered through an exchange, such as requirements related to the adequacy of provider networks, reporting on health care quality, grievance procedures, marketing practices, and benefit design. In addition, the law allows the Secretary of the U.S. Department of Health and Human Services to set additional standards for plans offered through the exchange, which plans sold outside an exchange are not required by federal law to meet.
This leaves substantial opportunity for adverse selection because insurers in these external markets will effectively be competing for enrollees against the exchange plans, but will not have to comply with standards that are as strict. Insurers operating outside the exchanges could seek to take advantage of these looser rules to attract healthier people and businesses, while leaving sicker people to enroll in coverage through the exchanges. As a result, the differences in rules would likely create an unlevel playing field and thereby increase the likelihood of adverse selection against the exchanges unless states institute protective measures.
In addition, under the Affordable Care Act, states have the option of setting up two separate exchanges — one for individuals and another for small businesses. States that do so may find that the exchanges lack the necessary volume to attract a sufficient number of insurers, ensure a large enough pool of enrollees that is well-balanced between the healthy and the sick, and achieve the economies of scale that can keep an exchange's administrative costs low.
(This paper focuses on the risk of adverse selection between a health insurance exchange and outside health insurance markets. Another type of adverse selection could occur among plans within an exchange; this will be the subject of a future analysis.)
Any health care financing system that divides health care funds into separate risk pools inevitably experiences adverse selection. In fact, private insurers do all that they can to see that their own risk pools contain low-cost healthier individuals while shifting higher-cost individuals into other public or private risk pools. As this article indicates, numerous regulations can be introduced that may reduce the magnitude of these differences, but they can never be eliminated.
When Medicare was financed using a single risk pool, adverse selection did not exist. Once private insurers were allowed to offer options to the traditional Medicare program (Medicare + Choice and then Medicare Advantage), multiple risk pools were established providing an opening for private insurers to game the system – and game it they did. They skirted the rules to selectively market the healthier sector of the Medicare population. They further pushed up their overpayments by upcoding the diagnoses – creating the deception that their enrollees were sicker than they actually were so that they wouldn't be subject to risk adjustment (adjusting payments to reflect the health status of those in the pool).
Who suffers? Individuals, employers, taxpayers, health care providers. Who benefits? The private insurers.
Adverse selection was not simply an inconvenient policy problem that the legislators had to fiddle with merely because they rejected the concept of a single universal risk pool that eliminates the problem of adverse selection. Far worse, it was a deliberate policy decision supported by the leadership of the private insurance industry who held the hands of the legislators as they led them down the primrose path to the everlasting bonfire that they call reform.
The Center on Budget and Policy Priorities (CBPP) report lists a few policy tweaks that are an attempt to patch some of the loopholes, but there are two major problems with their recommendations.
First, since the insurance exchanges are established on a state by state basis, each and every state must have its own enlightened and caring leadership that would oversee the intensive oversight efforts that will be required to reduce (but not eliminate) these injustices. That will never happen in most states.
The greater problem with the CBPP analysis and recommendations is that they completely excluded any consideration of the solution that really would work – a single universal risk pool through a single payer national health program, such as an improved Medicare for all.
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
Bill Moyers on John Geyman's "HIJACKED"
"You think the battle for real health care reform is over? John Geyman says 'Not on your life!' And, by the way, your life is what's at stake. This former Republican country doctor and long-time respected scholar, editor, and advocate for reform that puts the patient, not the industry, first, has issued an informed, convincing, and passionate account of why the battle has just begun, and how we, the people, can win."
Bill Moyers, author of "Moyers on Democracy"
HIGHJACKED – The Road to Single Payer in the Aftermath of Stolen Health Care Reform
by John Geyman
Everyone needs to read this book. Order your copy now. (I'm ordering ten copies – to share with others.):
To order:
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
Dems retreat on health care cost pitch
By Ben Smith
August 19, 2010
Key White House allies are dramatically shifting their attempts to defend health care legislation, abandoning claims that it will reduce costs and the deficit and instead stressing a promise to "improve it."
The messaging shift was circulated this afternoon on a conference call and PowerPoint presentation organized by FamiliesUSA.
The Herndon Alliance, which presented the research, is a low-profile group that coordinated liberal messaging in favor of the public option in health care.
Implementing Health Reform: A Communications Perspective
By Lake Research Partners, Greenberg Quinlan Rosner Research, and The Herndon Alliance
August 19, 2010
Challenging Environment (Slide 4):
Straightforward "policy" defenses fail to be moving voters' opinions about the law.
Public is disappointed, anxious, and depressed by current direction of country – not trusting.
Voters are concerned about rising health care costs and believe costs will continue to rise.
Women in particular are concerned that health law will mean less provider availability – scarcity an issue.
Many don't believe health reform will help the economy.
Strategic Recommendations: The "Do Nots" (Slide 24):
Don't assume public knows the health reform law passed or if they know it passed understand how it will affect them
Don't list benefits outside of any personal context
Don't barrage voters with a long list of benefits
Don't use complex language or insider jargon
Don't use heated political rhetoric or congratulatory language
Don't say the law will reduce costs and deficit
PowerPoint presentation
Herndon Alliance Statement on Politico Story
Herndon Alliance
Our research reaffirms that the more the public hears about the specific reforms in the law, the more they like it. The strategy of informing and educating the public about the law continues to be the right strategy. The Politico story (Aug 19, 2010) is wrong when it says groups supporting affordable health care for the American people are dramatically changing their strategy. There is no reason to do so — our research reaffirms that the more the public hears about the specific reforms in the law, the more they like it. And our research finds that there is a need to cut the political flak and give real information to the public. Americans are tired of the partisan spin that many opponents continue to throw at the health reform law. Hard-working people are thinking about the economy and just want to know how the law will help them and their families. That is what the President and the administration have been doing — it is the approach we support.
The conclusions and recommendations presented during the Families USA conference call were based on polls and focus groups conducted by Herndon's research partners. In spite of Herndon's positive spin, the research confirms that the Obama administration and the Democrats in Congress face a very "challenging environment" as they attempt to sell the benefits of the Patient Protection and Affordable Care Act.
Their recommendations for communicating the benefits of reform might best be characterized as "keep it simple, stupid," relying heavily on personal anecdotes. Don't confuse the public with the actual policies that are now law, and certainly don't claim that the law will reduce costs or the deficit.
Many will remember that these are the same partners that pushed the message of choosing your own health plan, while actively suppressing any references to single payer or Medicare for all. They seemed to have the view that the message was of prime importance and policy be damned. Obviously they haven't changed.
This next time, let's first define optimal policy (single payer) and then develop a message that fits. As Herndon states, we "need to cut the political flak and give real information to the public."
This entry is from Dr. McCanne's Quote of the Day, a daily health policy update on the single-payer health care reform movement. The QotD is archived on PNHP's website.
Trade group sues over new Calif. insurance rules
By Shaya Tayefe Mohajer
San Francisco Chronicle
August 19, 2010
A new regulation that makes it harder for health insurance companies to drop individual policyholders in California is being challenged in court by an industry trade group.
The California Department of Insurance's new regulations, which took effect Wednesday, require insurers to investigate the medical histories of those seeking individual policies before accepting any premiums.
The Association of California Life and Health Insurance Companies sued to stop the rules on Monday, accusing the state of acting "in excess of its jurisdiction and authority" by creating regulation that conflicts with the state's insurance code.
Insurance Commissioner Steve Poizner on Thursday called the lawsuit "shortsighted and morally wrong."
"Sometimes I think representatives in this industry have their heads permanently stuck in the sand. Illegal rescissions are a repugnant industry practice," said Poizner.
One of the most egregious offenses of the health insurance industry has been to retroactively revoke an insurance policy after the insured individual files a medical claim, a process known as rescission. Public outrage over this injustice helped to drive the process that brought us the Patient Protection and Affordable Care Act (PPACA).
Apparently the insurance industry has learned nothing. Their trade organization in California has the gall to infuriate all of us by suing to protect their right to do their underwriting after a claim is filed rather than before the policy is issued, whacking the patients when they are down.
Since PPACA will make rescissions more difficult, you would think that the industry would be quiet and accept the inevitable. No. Instead they reveal that they are not simply an amoral industry but rather a truly immoral one by insisting on their right to retroactively deny payment of medical bills run up by the hapless patient, merely to save the costs of timely underwriting.
This is not the industry that should be managing our health care financing. We need our own public financing entity – a single payer national health program.
Physicians for a National Health Program's blog serves to facilitate communication among physicians and the public. The views presented on this blog are those of the individual authors and do not necessarily represent the views of PNHP.
PNHP Chapters and Activists are invited to post news of their recent speaking engagements, events, Congressional visits and other activities on PNHP's blog in the "News from Activists" section.


text:
Auto Format Dialog Box (Calendar Control)
The Auto Format dialog box enables you to select a predefined set of colors, border styles, and other settings (which are collectively referred to as a scheme) and apply them to a Calendar Web server control.
You can also specify the appearance of a Calendar control by using themes. For details, see Applying Themes to Web Pages and Controls.
When you select a scheme, the scheme's settings are applied to properties of the control. Different schemes make different settings, but a typical set of properties that are set by a scheme is as follows:
Font.Name, Font.Size
In some schemes, settings are also made for the style objects that are associated with the control. For example, a scheme might set the BackColor property of the TodayDayStyle object.
You can edit the settings after applying a scheme.
To open the Auto Format dialog box
In Visual Web Developer, open or create an ASP.NET Web page and then switch to Design view.
From the Standard node of the Toolbox drag a Calendar control onto the page.
Right-click the Calendar control and then click Show Smart Tag.
In the Calendar Tasks list, click Auto Format.
The Auto Format dialog box opens.


text:
There are many Redskins fans who truly believe that the future of the franchise rests on the shoulders of Baylor quarterback Robert Griffin III. It is easy to see why when you look at his performance during his 2011 Heisman Trophy season and see him interviewed. His athletic ability, arm, and intelligence are all readily evident.But some who have put Griffin under the microscope dont necessarily believe that he is a slam-dunk to be a great quarterback. Omar Kelly blogs about the Dolphins, another team shopping for a quarterback, for the South Florida Sun-Sentinel. He is not a scout but he watches a lot of film and while I dont always agree with his opinions I know that they are based on a lot of study and thinking. Here is what he tweeted about Griffin last week:NOBODY knows what RGIII will be,or will do on the next level.Reason? 70 of the stuff he did at Baylor doesn't translate to the NFL.Guessing!Earlier this week, Albert Breer of the NFL Network was preparing his mock draft for NFL.com and asking some scouts for help. He tweeted the following:One thing I know now after tapping into scouting community for some draft research: Assessments on Robert Griffin are all over the map.One report that was on the no so great part of the map was that of Chris Steuber. You can check his bio and judge for yourself how much credibility you want to grant him but I have found his player analysis to be well thought out and on the money as often as most.Take a look at the report for the full analysis but here are a couple of highlights. After he gave Griffin good marks for being an exceptional athlete, having an effortless release and being able to deliver the deep ball with accuracy and touch.What follows is the dreaded but or, in this case, the while:While Griffin's ability and numbers are off the charts, his mechanics and freelance style of play will cause him problems at the next level. He features an unorthodox delivery (three-quarters), and has problems making consistent reads from the pocket, which is why he prefers to be on the move where his throwing flaws are masked. He must improve his footwork and patience in the pocket.Here is the conclusion, the last part is the big ouch:In the right system and with the right offensive coaching staff, Griffin can develop into a quality starting quarterback, but to expect him to start right away and be a difference maker is asking a lot from a player who is far from being a finished product.
Prospect Comparison:Andre Ware.Andre Ware was a major top-10 bust out of Houston. The Lions took him with the seventh pick in the 1990 draft and they gave up on him after six starts in four years. He couldn't even land a roster spo with the expansion Jacksonville Jaguars and he bounced around the CFL for while before become a TV and radio commentator.Steuber's is just one opinion. But, from what Breer said, its not necessarily an outlier.Of course, as far as the Redskins are concerned, there is only one opinion that matters and that is Mike Shanahans.Rich Tandler blogs about the Redskins at www.RealRedskins.com. You can reach him by email at email@example.com and follow him on Twitter @Rich_Tandler.


text:
Get a free shipping quote.
Paint mare and Azteca colt born June 16,2012. Apache was bought for my boyfriend to ride and she was sent for training in Oct. 2011. she was coming along great when I realized she was pregnant. She has not been ridden for 4 months so she is not for a beginner and she will need a tune-up. She is a wonderful mother and a very easy keeper. The foal couldn't have a better personality if you are looking for a colt to raise for 4H or for fun. This mare has already survived a neglectful home, where she was born. So a good home is a must and I will check,please bring all offers.
Avoid Scams and Fraud - Potential areas of fraud: wire transfer, moneygrams, money orders, cashier checks, shipping, escrow, "transaction protection", "guarantee". Check out the Buyer Safety section for more info.


text:
Join OkCupid
Find better matches with our advanced
Find better matches with our advanced
matching system
—% Match
—% Enemy
26 • Aix-en-Provence, France • Woman
I'm looking for
- Men
- Ages 18–32
- Located anywhere
- Who are single
- For new friends, long-term dating
My details
- Last online
- May 12, 2013
- Orientation
- Straight
- Ethnicity
- Asian
- Status
- Single
- Height
- 5' 3" (1.60m)
- Body Type
- Average
- Smoking
- No
- Drinking
- Socially
- Drugs
- Never
- Sign
- Capricorn
- Education
- Post grad
- Offspring
- Doesn't have kids
- Speaks
- English, French (Fluently), Vietnamese (Fluently)
My self-summary
Write a little about yourself. Just a paragraph will do.
I have all the character of a Capricorne
What I'm doing with my life
Don't overthink this one; tell us what you're doing day-to-day.
i'm student in law. i work hard to able to archieve my dream to became a professor in university
I'm really good at
Go on, brag a little (or a lot). We won't judge.
writing, cooking
The first things people usually notice about me
I'm an empty essay… fill me out!
The six things I could never do without
Think outside the box. Sometimes the little things can say a lot.
My family
My glasses
My computer
My mobile phone
My gloss
My parfum
My glasses
My computer
My mobile phone
My gloss
My parfum
I spend a lot of time thinking about
Global warming, lunch, or your next vacation… it's all fair game.
my futur, the meanings of life, my family, my career
On a typical Friday night I am
Netflix and takeout, or getting your party on — how do you let loose?
have party with my friends, drink wine and dance like a crazy
Report this photo
How does this violate our Photo Rules?
You must be in the photo! Full nudity, extreme close ups, pets, cars, baby photos, artwork, images you've added yourself to, etc. are not allowed.
Photos in albums are meant to showcase other aspects of your life, and may include pets, cars, baby photos, artwork, etc. Full nudity and offensive content are not allowed.
Thanks! We'll look into the issue soon.
Flagging inappropriate content keeps OkCupid awesome. You're now eligible to be a flag moderator!
Connect your existing OkCupid account
Sign in
Welcome Back!
Restore your account to continue
meeting new people.
Reset your password
We'll email you a link to reset it.
Email sent!
An email is on its way to .
If you don't see it, try checking
your Spam folder.


text:
[[ This is a content summary only. Visit my website for full links, other content, and more! ]]
Both the Phoenix Suns and Atlanta Hawks came into the season with brand new rosters around an incumbent star (Al Horford for Atlanta, Goran Dragic for the Suns), and both teams exceeded expectations this season. But while the Suns are just about to get healthy, the Hawks are falling apart.
The Phoenix Suns face an injury-riddled and reeling Atlanta Hawks team on Sunday night, needing to win to keep their playoff chances strong before a brutal end-of-season schedule takes over.
The Hawks had reached a high-water mark of 25-21 on February 1, staying strong even after Al Horford went down to a season-long injury. In the Eastern Conference, that was good enough for home court advantage in the first round.
But then injuries hit again. Their second (Gustavo Ayon) and third string center (Pero Antic) both went down with injury, and now leading scorer and rebounder Paul Millsap (knee) is out as well.
A once-promising season in Atlanta is now teetering on the edge of disaster. The Hawks have lost 10 of their last 11 games.
To imagine the Hawks without Horford AND Millsap is to imagine the Suns without Bledsoe AND Dragic. Oh yeah, we don't have to imagine that. The Suns without Dragic and Bledsoe were 23-point losers to lotto bound Utah four days ago.
Check out Peachtree Hoops for more on the Hawks
Boy did the Suns need that win on Friday night. After a very disappointing week marred by Dragic's injury, they needed every bit of the Dragon's 40 points to upend the hot-shooting New Orleans Pelicans.
Now the Suns are boosted by a couple more pieces of good news. On Saturday, the Suns signed a veteran energy guy for rebounding down the stretch. Our own contributor, Bryan Gibberman, was there to catch all the quotes. While Shavlik Randolph hasn't even played in the NBA this season, some already see him as a better option than Miles Plumlee. Let's not go that far. Yet.
Also on Saturday, Eric Bledsoe played a 5-on-5 scrimmage for the first time since injuring his knee against the Clippers on December 30. GM McDonough gave ringing praise for Bledsoe's work.
"He said the knee felt really good and has recovered well every time he has pushed himself harder," Suns general manager Ryan McDonough said. "Today, we did primarily 5-on-5 and it will be interesting to see how he responds tomorrow. You still see the explosiveness, see the burst and the ability to get by his guy and finish at the rim. We are optimisitic he will help us down the stretch."
Dionte Christmas last week said Bledsoe looks just as good as he always has. Coach Jeff Hornacek said Bledsoe has had zero soreness or swelling since ramping up his workouts prior to Saturday's 5-on-5 test. The only issue now is when Bledsoe can run up and down the court full speed more than a few times before getting too winded to play full out.
Barring any setbacks, expect a promotion to the active roster any time now. Maybe Tuesday against the Los Angeles Clippers, or Thursday against the Oklahoma City Thunder. Both games are on NBATV, in case you go for that kind of thing.
Since Paul Millsap has already been ruled out of this game against the Suns and Al Horford is out for the season, I only listed the active Hawks players among the leaders in scoring, rebounding and minutes.
The Hawks are 28th in total rebounds for the whole season, a problem only heightened by missing Millsap tonight.
The Hawks are a real mish-mash now, with a patchwork front line of DeMarre Carroll and Elton Brand. Carroll has been the small foward all season and played fairly well, but is now forced to play PF with Millsap out. The Hawks just signed second round pick and former college phenom Mike Muscala, so we might see him get some time on that front line tonight.
The Suns really need to win the battle of the boards tonight, and control the Hawks' three-point shooting which remains strong thanks to Kyle Korver getting 34 minutes a night.
I have a hard time seeing the Suns lose this one, unless Dragic takes the night off. The Hawks are reeling. The Suns just need to keep that foot on their throats.
The Suns had an ugly week, going 1-2 overall, but punctuated by a big win on national TV to end it on a high note. Several players made their mark this week, including Mr. 40 points, but one player is really starting to come into his own and could soon become another play maker on both sides of the court.
The NBA is all about which player and team can rule the court in the most epic fashion and Bright Side of the Sun has teamed up with Crown Royal to rank the best of the best Phoenix Suns players each and every week. Which player(s) ruled the court this week? #ReignOn
Weekly Stat Averages:
Minutes: 17 Points: 8.6 FG%: .385 Rebounds: 4.3 Steals: 1.0
Although this week will be remembered for the way that Goran Dragic played, and how he dominated the New Orleans Pelicans on a sore ankle to score 40 points, there was another player who also turned some heads.
Archie Goodwin, the 29th draft pick in the 2013 draft, has always been considered an investment for the future since he was first picked by the Suns. The Suns' front office believed that the then 18 year-old Goodwin had blue-chip talent and would have been a lottery pick in the 2014 draft if he had stayed at Kentucky another year.
Knowing that it would take time to develop Archie's skill set and polish his game was part of the plan. The Suns have been bringing him along very slowly this season, without expectations or pressure, giving him mostly spot minutes on the court and sending him to the D-League on a couple of assignments to give him extra playing time.
However, in the last few games, the Suns have begun to give Goodwin a few more minutes, and his improvement over when he first began playing this season has been apparent.
Looking at the stats above, nothing seems spectacular about his play based solely on the numbers alone. However, when you watch him play, you can't help but notice the raw talent and immense potential.
Archie had his break out game against Utah this week, in one of the worst overall games the Suns played this season.
In that game, Goodwin played 27 minutes and scored 16 points on 6-10 shooting. He also grabbed 7 rebounds, 2 steals, and registered a block as well.
Goodwin also scored 10 points in the game before against the Timberwolves, where he went 5-9 from the field in his 16 minutes of play.
Although Archie only played 8 minutes last night and failed to score against the Pelicans, this has definitely been his best week as a Sun. If nothing else, it is giving him valuable experience competing against NBA talent, and will help him continue to develop into the player the front office envisioned him becoming when they drafted him.
Made for royalty, Crown Royal offers a fine array of blended whisky products such as Crown Royal Deluxe, Crown Royal Black, Crown Royal Maple, Crown Royal Reserve and Crown Royal XR. Fit for every occasion, the Crown Royal portfolio caters to those who choose to celebrate with a whisky they can incorporate into every memorable experience.
Remember, our readers will also have a chance to receive some Crown Royal swag to help you Reign On, too, on the street, basketball court or just in your living room. More to come soon.
The Suns made a change to the bottom of the roster today...Here's the scoop.
In an unexpected move today, the Phoenix Suns waived 3rd string center Slava Kravtsov, and signed the 30 year old, 6'10", 240 lb Shavlik Randolph in his place.
Randolph is best known for his collegiate career at Duke University, where he played for the Blue Devils from 2003-2005. After going undrafted in the 2005 NBA Draft, Randolph was signed as a free agent by the Philadelphia 76ers where he remained on the roster for three years but has bounced around the league ever since.
Randolph last appeared in an NBA uniform last season for the Boston Celtics, where he played in 16 games. In those games, he averaged 12.4 minutes, 4.2 points, and 4.4 rebounds.
This season, he had been playing overseas in China for the Foshan Long Lions, and is now headed to Phoenix where he will be available for tomorrow night's game against the Atlanta Hawks.
Slava Kravtsov played in 20 games for the Suns where he averaged about 3 minutes, 1 point, and .9 rebounds.
Here are some quotes from the team...Including the new big guy himself:


text:
If you bought this horse from the Detroit Lakes area in December 2012 or early 2013 and would like to sell it back to the little girl call 218-396-0331…No Price Listed
2013 Bay QH gelding for sale, "investinflyinglessons" or Fly. I haven't measured him for a few months, but I'd say he's about 15 hands high with lots of…$600
Stjarni is from Stigandi fra Leysingjastodum II and his mother is a strong tolter. He shows a lot of tolt at liberty and keeps his gaits separated and…$4,500
Dugur is a flashy-moving, warm-hearted gelding. He's brave on trails and has a good balance between "forward" and "whoa." He greets you at the gate and…$7,000
Hatta is a sweet, seven-year-old mare. She has an easy tolt and is brave and confident on trails. She's friendly, extremely easy to catch (in fact, she…$7,000
FOR SALE: Stirnir frá Efri-Ã�verá was imported from Iceland in 2003 as a first-prize, four-gaited stallion and has served our mares well. He throws a…$5,000
Here is a nice all around 2009 sorrel show gelding. He is soft in the face and deep hocked. Rodney really wants to be a nice horse for someone and will…$4,500
Drink U Away is an absolute sweet heart of a gelding. He is a 14.2h , 2011 model by Freeway Frank who is a son of Smart Chic Olena. "Frank" has NRHA and…$7,500


text:
Lessons from a FinTech CEO
For some people, fear and money go hand in hand
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
The stock market is one fickle beast.
Without rhyme or reason, investor sentiment can change
direction like leaf being blown by a breeze. A company can be on
top of the world one day with a soaring stock and bullish
sentiment across the board. The next day, investors can get
spooked by the most insignificant rumors and turn bearish,
sending shares plunging lower. Long-term investors need to learn
to deal with the seemingly random day-by-day gyrations of
When I first started stock investing with a long-term horizon,
the ups and down of stock prices were difficult to deal with. I
felt like a genius when my stocks would soar higher. At the same
time, when a stock I had purchased plunged, I would get worried,
angry and lose confidence in my decisions.
I learned a simple yet highly effective method of dealing with
this emotional roller-coaster. Over time, I internalized the fact
that price and value are two completely different things. This
sounds obvious, but dealing with the truth is far different than
intellectually understanding the words.
My start in the stock market was as a short-term/day trader.
Short-term traders are concerned only with the price. A long-term
investor should be concerned with value first, then price. Being
focused on the true value of a company, rather than the daily
price changes, keeps the emotions in check and allows for better
investment decisions.
Remember, as a long-term investor, you should buy value. Value
is what lifts price in the long-term despite the short-term price
fluctuations that shake out investors who don't understand this
One stock I believe is the embodiment of this idea is the
venerable tech giant
Apple (Nasdaq: AAPL)
Back in April, I wrote that as long as shares stay above the
200-week simple moving average, Apple remains a buy candidate
with an 18-month target price of $550 to $575.
Well, that's exactly what is occurring right now. The stock
dropped almost exactly to the 200-week simple moving average
prior to bouncing higher since around the first of July. Shares
are very close to taking out the $500 barrier on the daily
Many investors lost faith in Apple during the plunge. But
investors who remained focused on value, rather than price, have
been rewarded as Apple recovered its losses for the year.
Investors who took the opportunity to buy shares during Apple's
plunge and used simple technical timing tools have earned a tidy
profit over the past 90 days.
Based on the changes since that article, I am raising my
forecast on the tech giant to $700-plus within the next 12
months. In fact, I wouldn't be surprised to see shares push
$1,000 within the next 36 months. Sure, there will be price
gyrations during this time. However, as long as the price stays
above the 200-week simple moving average, any drops can be viewed
as buying opportunities. Here's why:
Risks to Consider:
Now, don't get me wrong -- I'm not telling you to stick with
a stock that you believe has value regardless of what happens to
the price. Be certain to use basic technical tools such as the
200-day simple moving average to confirm your fundamental
analysis. Should Apple's price break the 200-week simple moving
average, then my bullish projection is void.
Action to Take -->
I like Apple right now on a breakout close above $500 with a
$700-plus 12-month target price.
Enter up to 25 symbols separated by commas or spaces in the text box below. These symbols will be available during your session for use on applicable pages.
You have selected to change your default setting for the Quote Search. This will now be your default target page;
unless you change your configuration again, or you delete your
cookies. Are you sure you want to change your settings?


text:
The Style Gallery is a great new way for you to view, love, and share outfit photos. It's meant to showcase
all the expressive, creative, and inspirational personalities of our community!
Love you too!
Your email has been sent!
Ambling through dew-kissed meadows feels sweet and breezy when you're sporting these floral pants! A darling print of fuchsia, grey, and cobalt-blue petals adorns the airy, semi-sheer silhouette of this white garment, which sways as elegantly as the whispering trees as you stroll under the morning sun.
Final Sale: This item cannot be returned or exchanged.
Sorry this item isn't available anymore
Remarkable fashion & decor, inspired by our community, & delivered with uncommon care.
Copyright ©2002-2015 ModCloth.com. All Rights Reserved.
Site Map
CA Notice
Privacy & Security
Terms of Use


text:
Fatal error: Call to a member function on a non-object in /home/klmccoma/public_html/klm/wp-includes/template-functions-category.php on line 24
That's what I'm getting. This happened after I installed the opt-in-front-page plugin and clicked on the autoinstall link in the description that shows on the plug-in page. Any ideas on how to fix this would be most appreciated.


text:
He was viciously bashed and left for dead by neo-nazis in Melbourne -- now his student visa has been cancelled. Please help.
by Adrian De Luca · 89,738 supporters
Petition Update
Immigration - "there is nothing we can do"
Adrian De Luca
Melbourne, VIC
Jan 12, 2014 — This video was taken 2 months before our trip which turned into this nightmare.


text:
- 228Promote
Biker Tank
Napoleon Dynamiteby Withapencilinhand
Our Biker Tank, made exclusively for Society6, is an edgier take on the traditional Muscle Tank. It's crafted using extremely soft 100% combed jersey cotton with deep arm openings and raw cut edges. The Biker Tank is a boyfriend fit, intended to hang loose - women may wish to select one size smaller for a more fitted wear.
Amazing :D
So crazy, love it :)
cool! :)
LOL great!!
hahhaah awesome!
Love your works!
Super as allways
Hilarious movie - great drawing!!
love it! :)
You have a great style : )
Haha I love it
Very cool!
Cool Work:)
Hahaha I love it!
Napoleon Dynamite! love it
good job!
See More Comments


text:
Econo Lodge North
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this motel rated in the past?
- Continental Breakfast
- Free High-Speed Internet
- Swimming pool
- Wheelchair accessibility
- Free parking
- Pets allowed
Travelers also recommend:
TripAdvisor Reviews Econo Lodge North Lake City
Travel Blogs from Lake City
CA is home
... to the south along the panhandle and along the west coast of FL. After a gas stop and weather check at 54J, DeFuniak Springs (couldn't pronounce that right the first time) I continued east, then deviated northeast into Georgia, way north of Tallahassee.
I finally saw where I could cut between two widely spaced cells and ATC agreed. I knew that I could make it to Suwannee County, 24J, but ...
Hitting The Road!!!
Leaving Miami. All Packed. Ready to go. We drove from Miami to Lake City. A little over 400 miles and 4 Superchargers. The charging wasn't bad and was located where and when I needed to stop anyway for food and breaks. Diesel was great and seems to be very happy traveling. He left his mark everywhere!! The weather wasn't the best and some of the rain was really heavy but overall a pretty good ...
The Send Off
... sharing your wealth of flying and travel experience. Based on the current weather pattern of afternoon thundershowers, it looks like the routine is going to be - Up before dawn, grab some coffee and grits, and get in the air! Here are some photos of the adventurers and their flying machines taken at WHITLEYFIELD airstrip near High Springs, ...
On the road again!
This is the Seifert's first real trip in the motor-home. Our departure from Wellborn was this morning, Wednesday - May 27 @ 8:47AM.
We decided to join the SOWER Ministry (Servants On Wheels Ever Ready) to travel and help others while we enjoy the cool weather from the west and seeing sights we missed on a previous ...
Driving all day
... we stopped to buy fuel and the bowser only had Bio Diesel, no good for running our stove, so had to find another servo.
Passed a Westfield shopping complex, owned by Westfield from Australia. Why???
Clocked up 520 km then finally arrived at an RV park at Lake City, a bit noisy but convenient . The owner could not fathom how John drove the Boomer sitting on the wrong ...


text:
Category: Opera
Weekly Browsers Recap, December 21st
- Bugs and Fixes: Zero-Day Patch for Internet Explorer 6 or 7
- Mozilla exec: Bing is not popular enough for Firefox
- Mozilla thinks mobile Firefox will kill app stores
- Firefox 3.5 is Now the World's Most Popular Browser
- Jetpack goes mobile
- Firefox, Adobe top buggiest-software list
- Firebug may slow down Firefox
- Congrats Mobile Add-on Challenge Winners
- Five Ways to Cover Firefox in Chrome
- Give the Gift of Google Chrome this Christmas
- Chrome Drops Safari Into Fourth Place Among Browsers
- Native JSON support in Opera
- Opera Mini 5 beta 2 now available in 26 languages
- European Commission and Microsoft Elect To Include Flock In Browser Ballot Screen
- Browser Ballot Screen: Maxthon to be included as well
Thanks to Nox for links!
Opera 10.50 Leaked: Screenshots, Features and Download Links
Our reader Somebody has come across a DownloadSquad post about presumably leaked Opera 10.50 pre-alpha build.
Although this isn't likely to be a version, which is coming on Tuesday (as there are no noticeable JavaScript performance improvements), it still includes some of the upcoming new features, such as:
Private browsing
Windows 7 integration
Improved find
Presto 2.5
… and improved user interface
On the other hand, new JavaScript engine might appear only in newer alpha releases. We will find out very soon. Continue Reading
Opera 10.50 – No Presto 2.4 for You, Prepare for Presto 2.5
One of Opera employers confirmed via Twitter that Opera 10.50 will be using Presto 2.5 instead of 2.3 or Rumored 2.4.
"@Malarkey, sorry, but there will be no Presto 2.3 inside. Only 2.5. I'm not kidding ;)"
David Storey also said:
"Its not using Presto 2.3. It is using something quite a bit newer."
Thanks to Daniel Hendrycks and somebody for links.
Opera 10.50 Coming, Carakan, Presto 2.4 Rumored
Today, Opera Software has announced, that on December 22nd, they will release a pre-alpha version of Opera 10.50.
Although no details were revealed, expect speed, that's what was said: "We don't want to say too much and ruin the gift, but expect speed."
What is Carakan?
Carakan is the upcoming Opera's JavaScript engine, which was already more than 2.5x faster during early development stages, when compared to Opera 10.
What is Presto 2.4?
Presto is Opera's new layout engine, which is still under development but already used by Opera Mobile 10.
EU Won't Fine Microsoft Over Browser Ballot Case
Microsoft and European Commission have finally reached an agreement, in which browsers will be randomly listed in ballot screen (up to 12 browsers total)
Although EU have not fined Microsoft this time, if they fail to stick with an agreement for the next 5 years, Microsoft will have to pay up to 10% of yearly global turnover.
"This is a victory for the future of the Web. This decision is also a celebration of open Web standards, as these shared guidelines are the necessary ingredients for innovation on the Web," said Jon von Tetzchner, CEO of Opera Software.
Thanks to Trygve Lie for news tip.
Weekly Browsers Recap, December 14th
- Microsoft CSS Vendor Extensions
- Mozilla exec urges Firefox users ditch Google for Bing
- Mobile Firefox release candidate coming as early as next week
- Move the Close Tab Button in Firefox
- 6 Killer Extensions for Google Chrome
- Why Mac Google Chrome is Better
- Opera on Google Chrome OS: what me worry?
- Opera Mobile 10 Comes to Android Via Carriers and Manufacturers
- Opera Mini Minor Server Upgrade
- Google's Mac browser whips Firefox and Opera, lags Apple's Safari
- WebGL Draft Specification Now Available
Thanks to Rob for links.
How to Remove Opera Small Blue Dots Near Tabs?
If you are annoyed by those white/blue dots appearing in your tab tab, then here is a solution on how to "disable" them:
1. Download the following skin (still pending Opera approval, so mirror is at FavBrowser.com).
2. Close Opera.
3. Place file to "C:\Program Files (x86)\Opera\skin", "C:\Program Files\Opera\skin" or other location, where Opera is installed.
4. Open Opera and go to: Tools > Appearance… > Skin and select "Reloaded".
5. Enjoy.
Opera Passes 90 Million Users Mark
Good news today came from Opera Software headquarters, as company announced that their desktop web browser is now being used by more than 90 million users worldwide. With the upcoming Opera 10.20 Final release, we might see 100 million users very soon.
"It's exciting that Obama has come to Oslo during this time of celebration for Opera," said Jon von Tetzchner, CEO of Opera Software.
Weekly Browsers Recap, December 7th
- How To Support Internet Explorer and Still Be Cutting Edge
- IE Quero Toolbar
- Microsoft to patch IE zero-day bug next week
- Sony In Talks With Mozilla?
- Best 5 Firefox Add-ons for Facebook Fans
- 11 Chrome Extensions, For Starters
- Features Chrome For Mac Beta Will Be Missing
- Opera 10.10: 12 million downloads in 7 days
- Difference between Opera Mobile 10 and Opera Mini 5
- Camino 2.0.1 Released!
- WebGL in Firefox on Nokia N900 (video)
Thanks to Nox for links.
EU Browser Ballot Case Might Finally Come to an End
If everything goes as expected, browser ballot case might be finally resolved by the end of December or even faster.
Bloomberg reports that during the phone conversation with Opera spokesman, it was said: "Our expectation is that the settlement will include changes sought by Opera and will come out around the 15th,"
What are those changes?
Opera Software suggested that instead of listing top 5 web browsers alphabetically, they should be randomly ordered, every time user sees a ballot screen.
Bloomberg also said that Jesse Verstraete, a Microsoft spokesman in Brussels, declined to comment on this case. So don't hold your breath yet.


text:
Your first look at what's happening around Milwaukee. All of the latest events you can't miss in the city.
On Tap Today: Theater in the city and Youngblood Brass Band in Greendale
Goodbye, weekend. Hello, work week.
To smooth things out a bit for the week ahead, might we recommend a couple of diversions?
Windfall Theatre presents "Storefront Church" from playwright John Patrick Shanley.
If you want to go in another direction, the Youngblood Brass Band makes its only Milwaukee-area appearance at Greendale High School.
Also, today marks opening day for American Craft Beer Week.
Comments »
Read and share your thoughts on this story.


text:
Herman Cain was accused on Monday of sexual harassment by a fourth woman, Sharon Bialek, who told reporters at a news conference alongside her lawyer Gloria Allred that the GOP primary nominee harassed her while she was attempting to get a job. As Nia-Malika Henderson reported:
Sharon Bialek, a Chicago woman who worked at the National Restaurant Association in the mid1990s has come forward to say that Herman Cain sexually harassed her while she was looking for a job. In graphic detail, Bialek described an encounter with Cain that happened in July of 1997 in Washington D.C. that left the woman shaken and embarrassed.


text: Interview | Harry Potter Wizard's Collection: Columbus Leaves Share Facebook Twitter More Director Christopher Columbus left after the second film and new director Alfonso Cuarón assigned homework to the cast! More Videos Divergent Muse Rocked the 'World War Z' London Premiere! Matthew Bellamy and Dominic Howard agree that the music is 'a perfect fit' for the film.


text:
(based on 27 reviews)
Ratings Distribution
5 Stars
4 Stars
3 Stars
2 Stars
1 Stars
of respondents would recommend this to a friend.
Most Liked Positive Review
My favorite Paper
I write a lot. I'm a novelist, and I do most of my work in handwriting before transfering everything to the computer.This paper is my favorite, especially for taking notes about...Read complete review
I write a lot. I'm a novelist, and I do most of my work in handwriting before transfering everything to the computer.This paper is my favorite, especially for taking notes about characters and a novel. I love the annotation, as it lets me put side notes and organize within a page easily. The paper stock is super thick. It works well with my ballpoint and felt-tip pens. If you use an ink prone to bleeding, your mileage will vary, but I don't tend to use fountain pens for this sort of work.Really love this paper!
Most Liked Negative Review
Terrible Paper
This paper is terrible. It doesn't absorb ink at all. The ink sits on top of it and then smears. It's especially terrible with fountain pens. I think there's a waxy coating on...Read complete review
This paper is terrible. It doesn't absorb ink at all. The ink sits on top of it and then smears. It's especially terrible with fountain pens. I think there's a waxy coating on it or something that ruined the nib of a new Lamy Studio fountain pen I received as a gift for Christmas. The pen no longer writes smoothly and skips after trying to use it to take notes on this paper. In addition, this paper has an overpowering unpleasant odor that is offputting. This is not the quality I expect from Levenger and of the many many Levenger products I regularly use, this is by far the worst.
Reviewed by 27 customers
Sort by
Displaying reviews 1-10
Back to top
Previous | Next »
Nice product for Circa users
By LuckyTownSteven
from Shillington PA
Best Uses
Comments about Levenger 300 Circa Multicolored Annotation Ruled Refill Sheets:
I find it very helpful to be able to organize a notebook's content with different page colors
Bottom Line Yes, I would recommend this to a friend
Was this review helpful? Yes / No
- You may also flag this review
Organization Personified
By Jj24
from Washington, DC
This simple little coloring of paper has made the organization of my notebook a pleasure. I'm now able to coordinate the colors with dividers and subject matter. I look at the color and instantly recognize the subject/heading that I'm looking for to add information. It couldn't be easier.I wasn't sure when I order this refill but I am so sold on it now that taking it away would make my work life miserable. Thank you Levenger for making the process of organization so easy and uncomplicated.
The multi-colored annotation ruled sheets makes it easy...
By gswarren
from Atlanta, GA
The multi-colored annotation ruled sheets makes it easy to distinquish different meetings or projects. Being able to readily identify subjects with the different colors is very helpful and time-saving.
Best Paper for Note Taking!
By StephG14
from Austin, TX
I love Levenger paper for note taking and organizing my projects. The colored paper helps me separate different aspects of the project or important notes. I can highlight and use colored ink without it bleeding through. Great quality!
Great Size for Taking Along
By kmwwrench
from Cottage Grove, MN
I started using Circa products when I was working. This size was great for toting around from meeting to meeting and taking notes. Now that I'm retired, I use it for several project notebooks and for collecting things I've cut from magazines for future reference. I especially like the multiple colors for separating different types of uses within one book.
I love color
By RLHatcher
from Undisclosed
I love being able to include color pages in my Circa notebook. It simply makes it more fun to take notes.
Helps to visually identify different projects
By AZBarbara
from New River, Arizona
If you have mulitple projects in process or maultiple items to track, having multicolor paper is an easy way to track and be able to find your notes on a specific area. The more organized my Circa notebook can be, the happier I am.
Great Quality
By bgates2441
from Pagosa Springs, CO
I have been searching for a quality notebook for a few years. A colleague introduced me to Levenger products. The quality is top of the line. I use the colored refill sheets for different job assignments. The structure of the paper allows for easy note taking and review of learned material. I would suggest this system to anyone interested in improving their game.
Must Have!
By BusyGirl
from Cincinnati, OH
I've been a Circa user for years and having a simple note-taking option when traveling is a must. I can move pages between my Circa calendar and notebook, which helps me to be much more organizated on the go. Agree with a previous review, would be nice to see more variation in available colors.
Color Paper for Family History Research
By paperFrench
from Ogden, Utah
Different colors of paper are very useful in family history research when searching records for the different children in a family. I can assign one color to each child and keep their individual research easily distinguishable. One could also use a different color paper for each surname of a family being searched in a broader scenario.
© Copyright Levenger Company 2015. All Rights Reserved.


text:
There have been several cases over the past few months about employers' right to dictate whether their workers can wear headscarves for religious reasons, and on Monday, a California woman will add her complaint to the growing roster. Hani Khan, who worked in the stockroom of a Hollister store in San Mateo, and is planning to file a lawsuit against the store's parent company, Abercrombie & Fitch, alleging that she was fired for refusing to take off her headscarf.
Khan, a college student living in the Bay Area, worked in the Hollister stockroom for over a year. During that time, she wore white, gray or navy headscarves, which she had agreed to do when she took the job. After a district manager visited the store, however, she was asked by the parent corporation to remove her headscarf, which apparently did not align with Hollister's "look policy." When she refused, she was fired.
In February 2010, Khan filed a federal complaint, with the help of the Council on American-Islamic Relations (CAIR). When the case went public, Abercrombie & Fitch apparently offered her the job back, on condition that she stayed in the stockroom; she refused.
Now, with the help of the Legal Aid Society of San Francisco and the San Francisco district office of the Equal Employment Opportunity Commission, Khan is suing Abercrombie & Fitch. This certainly isn't a new experience for the company, which has been charged in the past for many different kinds of discrimination.
In an interview last year, Khan took the company to task for claiming that it had a diverse, inclusive work environment. "Their policy says they do not discriminate, but that's not true," she said. "I am proof of that. They don't hire people with scarves to work in manager positions. The girls who do wear scarves, work in the back."
You have to wonder how many lawsuits it will take before a store like Abercrombie & Fitch decides that its supposedly "all-American" look needs to be updated just a tad. It's encouraging, however, to see people like Khan standing up for their rights and fighting against corporate entities that can seem so unjust, and yet so immovable.
Photo from Alan Denney's Flickr photostream.
Read more: abercrombie and fitch, discrimination, employment, employment discrimination, hijab, hollister, islam, muslim
It's very simple. Islam is dangerous and Sharia Law is ridiculous.
Ah, geez, Scott, took you long enough to respond. What, an hour? I don't think I said Islam was a "crack-pot" religion, but it is a religion, and religious attire, when it's specific, has no place in the work place. I asked before, and will ask again, where does the employer draw the line? The headgarb, as I've heard it described, isn't even religious, but cultural. Doesn't matter as far as I'm concerned, since the excuses FOR allowing it seem to focus on "freedom of religion". This is really getting old, and the arguments defending her RIGHT to do what she wants in a private (not public) estabishment are getting boring.
Diane. Islam is not a "leaf wearing crack pot religion", it is the second largest and fastest growing religion and hijab is a commandment of God for Muslims. I wonder why it is so important for you to slander Islam. Please just 'live and let live'.
Annmari. Islam forbids proselytising. There is no compulsion to embrace Islam or to stay in it once you have converted.
Islam teaches that all Great Faiths are of God and worthy of admiration and that we must deal with even atheists with the same kindness that an ideal Muslim shows their ideal parents.
The havoc in the world in not from the Holy Teachings which enjoin the good and forbid evil. It is from the lack of morality which religion can remedy.
Terrorism is not Islam; the recent attacks are clearly 'false flag'. I suggest you research properly about them. The vast majority of Americans do not believe the official garbage.
The Holy Quran is representative of Islam and it is perfect in its teaching. If a human does not obey these lofty principles they are not behaving as a Muslim and Islam cannot be blamed for those acts which it forbids.
" think they should be able to wear their head."...really, Carol R? Nobody suggests they be be-headed! I disagree that their attire is religious, and even if it was, the workplace is inappropriate for wearing such attire when it attracts attention. Nudists claim they have a "right" to practice that as a "religion" so should they be allowed to show up for work nude? What about someone who worships rocks or trees and shows up covered with nothing but leaves all over their body? Lots of crack-pot "religions" out there, so where would it end? I think wearing a crucifex is one thing, and I have many "crosses" that are gemstone pendants. They're accessories, not a symbol of faith, however.
I think they should be able to wear their head. It is not disrespectful to anyone but is their freedom of religion.
Lydia S.:
"No Scott, the greatest mischief, RIGHT NOW, all over the world -- is because MUSLIMS who "follow allah" and "mohammed" and the "koran" insist on shoving their "beliefs" down the throats of those who do not wish to be part of the cult of islam!
Or if that doesn't work, slitting the throats of those who refuse to convert, or beheading those they accuse of "blasphemy" or "apostasy" or some other "crime" against "islam"!
"Mischief" doesn't come close to describing the havoc that islam is wreaking all over the world! On any given day, some "devout muslim" detonates himself in a crowd of innocent people, to shouts of "allahu akhbar", "God is the greatest" and leaves countless lives SHATTERED! Children orphaned; women widowed; men dismembered, mosques, churches, synagogues, etc, covered in blood & body parts!
Indeed, these violations happen because imams, ayatollahs, etc., quote the koran and tell them this is what they must do to become "martyrs" & enter "paradise"!"
I couldn't have said it better myself! Thanks Lydia!
Pego, I don't know why this is so important to you, but with all due respect for YOU, I won't respond any further in this discussion to you. I don't think this is a case of discrimination at all. It's just a PRIVATE company exercising their right to dictate what is or is not acceptable in THEIR work place. If it's distracting to other employees, it's entirely their right to ask the employee (who doesn't even work there anymore.......she QUIT) to not wear religious garb or work in another department where it is not an issue. She refused both options and she was given the choices. If she was a nudist and decided to show up for work in the nude because that was her "religion", would it have been her "right"? What if she or another employee showed up in a thong bikini (I asked that before) and nobody seemed to find it relevant. Yes, it's relevant........if the attire is not customary where the job is, or is attracting undue attention and distracting other employees from doing THEIR jobs, the employer should have every right to ask that the employee wearing such attire not do so (or wear clothing if the case is that he/she isn't).
Do you really want to give rights to corporations and your neighbor that will allow and encourage them to behave badly?
We saw this crap with the last period of segregation, that businesses are both stupid enough to throw away business on their own bigotries AND so cowardly that they will fire people on the mirage of possible lost of business..
So, the choice before us is whether we want Jim Crow back again and actually leave legal gates wide open to encourage the worse behavior in our businesses. Once this is allowed, businesses are once again encouraged in their honor less stupidity. As the law CURRENTLY stands businesses are not actually supposed to do this, they allow no room for race/religion/marital status/age ect. to be prevented from work including the wearing of crosses and yarmulkes (the Jewish beanie cap)
Sorry, Pego, I am not familiar with those terms, but as far as freedom of religion and speech, I think it's a far different thing. We have a guaranteed freedom OF religion and also FROM religion, but Abercrombie & Fitch is a private company (or corporation) which has a right to dictate what their employees can or can't wear in the workplace. Nobody forces anyone to work there, and she wasn't fired for religious beliefs, not even fired in the first place. She was told she could either NOT wear religious garb or work in another department where it didn't matter, and she refused the offer and chose to quit and then make a bit issue out of it.
Diane and Lydia
I recall, if you don't, the whole legal kerfuffle around wearing of yarmulkes, and the following suits around wearing of crosses blah blah blah. All those were settled in the direction of freedom of speech and religion. WHY is this any different?
Disclaimer: The views expressed above are solely those of the author and may
not reflect those of
Care2, Inc., its employees or advertisers.
thank you
Karen, Vermont has complete open carry, they had 10 gun deaths last year and 7 of those were suicide Original…
I watch my little kitten families daily on LAPS and Tiny Kittens...I've been watching Cassidy fight to…
Problem on this page? Briefly let us know what isn't working for you and we'll try to make it right!


text:
The Department of African-American Studies at Georgia State University offers a Bachelor of Arts degree and Master of Arts degree that rests upon a broad field of study of the experiences of Black people and all people of African descent. The curriculum of African-American Studies is interdisciplinary and examines the Black experience through a culturally-relevant and social justice perspective in the social sciences and humanities.
- Fall 2015 Semester AAS Courses-Register Now!!!Take a look at some of our Fall 2015 Semester courses. If you are a major, minor, or just want to round out your educational experience with interesting electives, look no further!!!News
- The legacy of Julian BondThis link is a part of the legacy of activist and freedom fighter Julian Bond, who transitioned on Saturday, August 15, 2015. Mr. Bond did a lot for our people in being a co-founder of the Student Non-Violent Coordinating Committee and serving as the organization's Communications Director. He later served in the Georgia State Senate… more »News


text:
Electrical Sockets & Plugs
Electrical Sockets & Plugs
SW-MOTECH Tankbag Cable Feed-through KitThis kit provides a 12V (volt) connection through the wall of your tankbag that is water-resistant. Learn More$15.95
SW-MOTECH Mounting Bracket for Cigarette Lighter Socket for BMW R1200GS '08-'09 & R1200GS Adventure '08-'09Mounting bracket for cigarette lighter for many BMW model motorcycles with 28mm diameter handlebars, including the R1200GS and R1200GS Adventure. Learn More$21.95
Baryl ™ Rack Cable MountThe Baryl Rack universal mounting bracket is useful for mounting power leads, cables and any number of other items. Learn More$12.95 $11.66
Adaptiv Technologies TPX 12v USB Power SupplyThe TPX 12v USB Power Supply allows you to plug the TPX Bluetooth Adapter in so you get continuous power. You can also use it to connect / charge other electronic devices with a USB power cord (such as most smartphones). Learn More$25.00
Denali Screw kit for Handlebar 12-volt socket Mounting Brackets CPA.00.006.150 & CPA.00.006.160 (four M8x45mm bolts)For use with LEH.00.039.102 bar risers. Learn More$12.50
SW-MOTECH Euro Socket with Wiring Harness and In-line FuseThe SW-MOTECH Powerlet-style Socket with Wiring Harness and In-line Fuse allows the use of external electronic devices. Learn More$36.95
SW-MOTECH Bags-Connection Euro Socket To SAE Tankbag AdapterThe SW-MOTECH Bags-Connection adapter allows a 12 volt connection from a Powerlet-style mini plug to SAE connection using a 21.65in (55cm) cable. Learn More$15.95
SW-MOTECH Cigarette-style to SAE Tankbag Power AdapterThe SW-MOTECH adapter allows a connection from a male cigarette-style socket to SAE tankbag using a 21.65 inch (55 cm) cable. For 12 V (volt) systems. Learn More$15.95
3BR RedBand SMARTPHONE CHARGING CABLERedBand USB Quick-Charge Cable Learn More$8.95 $8.06
Interphone Handlebar Mounted 12V Dual USB Power Port
This Interphone Handlebar Mounted 12V Dual USB Power Port is for charging electronics while riding your motorcycle. A bar fastened receptacle can charge two devices with an output of 2 amps. This power port includes 59" of cable length to ensure you can reach your power distribution block.Learn More$34.99 $31.49