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Keep resources from the estate tax dedicated to education
During a press conference yesterday, Governor Inslee expressed frustration over a lack of progress in the legislative budget negotiations. He also expressed frustration with a loophole in the state's estate tax.
Washington's law states that estate tax revenues go into the Education Legacy Trust account, which funds public education.
In 2006, Initiative 920 was an attempt to roll-back the estate tax. It failed by 66 percent of the vote. Voters chose to support public education with resources provided with the estate tax.
A recent Washington Supreme Court decision created a loophole in Washington state's estate tax. It allows wealthy married couples to avoid paying estate taxes. According to the Washington State Budget and Policy Center, the court decision is projected to cost Washington state $160 million in the coming 2013-15 budget cycle,
HB 2064, which the League of Education Voters supports, reaffirms the public's will to support public education through the estate tax. We must ensure our schools have ample, equitable and stable funding. We cannot meet the stability requirement of our Constitution if we allow the resources needed to fund our schools to be lost for no good reason.
Washington state has the most regressive tax system in the nation. The estate tax, which applies to less than 1 percent of the wealthiest families, is one of our few progressive taxes. It is an equitable, targeted revenue source that the people of the State support. Over ninety-nine percent of estates, including all family farms and most small businesses, pay no estate tax.
The intent of the original estate tax law and the support of the voters were clear. The resources garnered by the estate tax are to be dedicated to education. Taking these dedicated funds away because of a legal technicality is not good policy, does not reflect the public will and is not reflective of stable and rational approach to governing our state.
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Dr. John J. Swalec
Waubonsee Administrator and Supporter, 1981-2001
Dr. John J. Swalec
Waubonsee Hall of Fame inductee and president emeritus Dr. John J. Swalec had a longer tenure in which to make a lasting impact on Waubonsee athletics, guiding the college from 1981 to 2001. During his two decades in charge, Waubonsee grew by more than 50 percent, and he was labeled a "pacesetter" by the American Association of Community Colleges for establishing landmark initiatives such as the Athletic Department's Student-Athletes Taking Academic Responsibility (S.T.A.R.) Program. He served on the NJCAA's Board of Directors, the NJCAA's Executive Committee, the State of Illinois Athletic Board, and as the Chairman of the Illinois Skyway Collegiate Conference. Dr. Swalec's passion for athletics began during his time as a standout wrestler at Illinois State University (ISU) and grew as he coached the sport in later years. He has been inducted into ISU's Wrestling Hall of Fame, the NJCAA National Wrestling Hall of Fame, the Illinois Wrestling Coaches and Officials Association Hall of Fame, and the NJCAA Region IV Hall of Fame.

subset: commoncrawl


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Mary,Queen of Angels has been awarded the 2015 Best of Assisted Living award. The award was received from SeniorAdvisor.com. SeniorAdvisor.com is an innovative website that provides easy access to the information a family may need when making senior care decisions. The awards celebrate the best in senior living and home care across the United States. This award places the winners in the TOP one percent of senior care providers nationwide according to those who matter .... their families. Lyndsey Gower, Mary Queen of Angels Executive Director, quotes "We are honored to be reconginized with this elite group of providers and love hearing the great testimonies from our families.
Music is important for a better life as we age. As a MUSIC & MEMORY℠ certified facility, we help our residents who suffer from a wide range of cognitive and physical challenges to find renewed meaning and connection in their lives through the gift of personalized music. Volunteers, family caregivers and staff professionals have learned how to create and provide personalized playlists using iPods and related digital audio systems that enable those struggling with Alzheimer's, dementia and other cognitive and physical challenges to reconnect with the world through music-triggered memories. Mary Queen of Angels earned their certification in January of 2016. To find out more visit MusicandMemory.org or donate an iPod to Mary Queen of Angels.
Leading Age of Tennesse an association of communities and professionals providing quality housing, health, community and related services for the elderly. LeadingAge Tennessee represents and promotes the common interest of its members through leadership, advocacy, education, communication and other services in order to enhance member's ability to serve their constituencies. During the 2015 Annual Conferance, Mary Queen of Angels was award the associations award for INNOVATOR of the year for their "Celebrate Life Program". This program is designed to help residents contribute and be involved in everyday life. Components of the program include: The Hour of Power, Block Parties, Neighbohood Competitions and Welcome Home Ambassabor Program.


text:
- well-placed
Date: 1562
appropriately or advantageously directed or positioned <well-placed informants> <well-placed trust> <a well-placed blow>
New Collegiate Dictionary. 2001.
New Collegiate Dictionary. 2001.
well-placed — UK US /ˌwelˈpleɪst/ adjective (also well positioned) ► in a good situation to be able to do something: »Roche is well placed to compete with its strategy to invest in research and development. »Because of everything we have planned in… … Financial and business terms
well-placed — well′ placed′ adj … From formal English to slang
well-placed — adj. Well placed is used with these nouns: ↑shot … Collocations dictionary
well-placed — /ˈwɛl pleɪst/ (say wel playst) adjective in a good or fitting position. Also, (especially in predicative use), well placed /wɛl ˈpleɪst/ (say wel playst) … Australian English dictionary
well-placed — adj. * * * … Universalium
well-placed — adj … Useful english dictionary
be well placed to do something — be well/ideally/uniquely etc placed to do something phrase to be in a particular situation that gives you an advantage or opportunity He was ideally placed to get the job. With a strong economy and stable currency, the country is well placed to … Useful english dictionary
be well placed — be well/conveniently/ideally/strategically etc placed phrase to be in a particular place, especially one that is convenient or has other advantages The hotel is right in the centre of Innsbruck, ideally placed for all the shops, cafes and… … Useful english dictionary
(be) well placed for something do something — … Useful english dictionary
(be) well placed for to do something — … Useful english dictionary


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A Peaceful time of life
life is beautiful when you open your eyes .
All rules are not necessary because, when Lily was on her bike the guards saw her an because of it she got in trouble.All rules are not fair because in ''The Giver" they can only have 2 kids I don't think that's fair because, they should be allowed to have as many kids as they want like we can have as many . In our society when the baby first born the birth mother get to keep there new born ,in jonas society they take th new born right away .If they don't obey the rules they will be released because,they didn't obey nor follow the rules like they was supposed to.All consequences are not fair , it should not be a instant or severer consequence meanwhile, they should give them a chance to make it up not just to give it to them because its a perfect world . Rules can't be change because, it's the Utopia Society they really can't change the rules although it's a perfect world so they don't think the rules should be changed no war .


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The fluency and confidence with which Trescothick is batting is a pleasing sight not only for the viewers world over but especially for the English fans, as this new- look England side is heavily dependent on a couple of batsmen.
Returning to our point of focus - the issue of England's choice of Vaughan over Trescothick, Vaughan, in comparison is struggling to hold his own.
He is well aware of the reservation that some section of the cricketing circle and the mass in general had concerning his elevation to the highest post in the England One-day squad. He is also aware of his not-so-impressive One-day average and was keen to prove otherwise. However, the England captain has failed to get off the blocks.
And this in comparison to Trescothick's highly successful stints at the crease is putting the selectors in a spot and not making things any easier for the captain himself.
Having said that, Michael Vaughan is a class act, and like it is uttered time and again, "form is temporary while class is permanent". And so, one hopes, it is just a matter of time before the England captain rises to the occasion.
Keeping the two aside and moving over to the England squad as such, Vikram Solanki has dished out a couple of impressive performances and looks a very promising prospect for England. To read too much into his innings at this stage would be premature but nevertheless the guy looks talented and should be able to hold his own in times to come. All of which augurs well for England.
However, England's bane has been injury problems, so much so that they have rarely been able to field a full-fledged squad. If England are to be a force to reckon with they should address the issue of injury with greater concern.
If England can successfully arrest the spate of injuries that are besetting them then they definitely have the potential to stand in the way of high-ranking teams.


text:
METSlib is an object-oriented metaheuristics framework in C++ designed to make implementing or adapting models easy. The model is modular: all the implemented search algorithms can be applied to the same model. METSlib implements the basics of some metaheuristics algorithms, such as Random Restart Local Search, Variable Neighborhood Search, Iterated Local Search, Simulated Annealing, and Tabu Search. For each algorithm, you must implement an objective function, a neighborhood (move manager), and some moves. Tabu Search is one of the fastest ways to generate near-optimal solutions to a wide range of hard combinatorial optimization problems.
|Scientific/Engineering Artificial Intelligence Software Development Libraries Scheduling
|GPL GPLv2 GPLv3 Common Public
|Operating Systems
|Mac OS X OS Independent POSIX BSD Linux Cygwin
Release Notes: This release fixes many bugs.
Release Notes: This version breaks compatibility with version 0.4.x, but migration should not be too hard. The apply/unapply move mechanism has been replaced by a more natural evaluate/apply. complex_moves are no longer possible, but search performance can be improved for a wide range of problems. Other changes include the introduction of a permutation problem base class that can be used to easily model QAP, TSP, and a wide range of assignment problems.
Release Notes: This release replaces the mets::feasible_solution assignment operator with a virtual copy_from method that improves copy operations. The autoconf and config.h system have been improved. The library and the examples can now build successfully on Ubuntu 8.04 and 9.04, Debian Lenny, OpenSolaris 2009.06, Windows/Cygwin 1.7beta, and Visual C++ Express 2008. Most Linux distributions should build with no problems.
Release Notes: This version fixes a nasty bug in the simple_tabu_list implementation and adds a new QAP sample.
No changes have been submitted for this release.
A Fluent OpenStack client API for Java.
A TWiki appliance that is easy to use and lightweight.


text:
Students at Holy Cross College in Bury enjoyed a memorable 2013 with successes in handball, street dancing, cross-country, karate and kick boxing.
The cross country team reigned supreme at the BCS North West Cross Country event at Witton Park. The boys' team covered a distance of 4.8 miles, the girls 3.2 miles and braved gruelling weather conditions.
Three of the girls – Megan Davies, Christie Cook and Sinead Bent – qualified for the British Colleges Sport (BCS) National Finals, which were held at Bath University. Thirty-six runners took part in the event, with Megan winning the race for the second consecutive year. She crossed the finish line in 22 minutes, 55 seconds – more than a minute in front of the next competitor. Christie took fourth place, clocking 25 minutes and Sinead finished in eighth place with a time of 26 minutes, 37 seconds.
Jennifer Seymour and Anna Spencer were selected for the u18s Great Britain Handball Squad.
Jenny, who took up the sport a year ago, and Anna, who started playing two years ago, both play for club side North East Manchester Hawks.
The duo were initially selected for England under-16s and travelled to Sweden for the Partille Cup in early July, where Anna captained the team. Both girls were also selected for England u18s and travelled to Denmark to complete in the European Youth Cup.
Further success was to follow with the duo being selected for the Great Britain u18s squad.
Upper sixth student, Elliott Campion, won a bronze medal at the National Street Dancing Championships.
He won the World Championships Over-18's category in Holland with his dance group CGIT, who were competing for the first time in a year. Elliot will compete in a solo event in the British Championships in February.
The National Karate All Styles 2013 Northern Championships were held in Bradford in October with upper sixth student Danial Tahir entering three categories and coming away with three silver medals.
Danial (right) achieved second place in the Brown belts and above solo Kata and was also runner-up in the Brown belts and above Kumite. He earned his third silver medal in the Brown belts and above continuous fighting category.
Upper Sixth student Haroon Saleem also won a silver medal at the National Kickboxing Championships.


text:
Lord Saladin with Wolfpack Figure Set
Here's your first chance to add to your Destiny figure collection. Pre-order the Destiny Lord Saladin & his Wolfpack Figure Set for $19.99 now, only at GameStop and ThinkGeek. Wolfpack exclusively available for pre-orders as part of this limited-time offer.
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- Includes one (1) Lord Saladin Figure on a fixed display base, and two (2) wolf companions
- Materials: PVC
- Dimensions: Lord Saladin is 4" tall
- Subject to change pending licensor approval


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April 18, 2017
What the Newest Labor Groups Mean For US Workers
by Rick Wartzman
Tensions are mounting this week as the Writers Guild of America attempts to hammer out a new labor agreement with the Alliance of Motion Picture and Television Producers, with scripts being stockpiled in case no contract is reached and the industry shuts down in early May.
Yet a bigger role already is being cast—and it's for the guild model itself.
Across more and more of the economy, worker advocates are hoping to replicate the ways in which screenwriters, actors, and others in Hollywood have been organized since the 1920s and '30s.
Driving this development are the exploding ranks of "gig workers," who don't have a traditional relationship with a single employer. Many, like those in entertainment, bounce from one project to the next. This includes folks who find assignments via digital platforms such as TaskRabbit and Upwork, as well as day laborers who get picked up on a street corner and are driven to a construction site. Others may work for a particular company (at least for a stretch) but are considered independent contractors, not employees. Uber has become the poster child for this system.


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How to Play Blackjack or 21
Blackjack or 21 is one of the most popular card games played in the casino. The rules of Blackjack are very easy to learn. This tutorial teaches you the rules and strategies for the game Blackjack. With the tips from this how to video you will soon master the game of Blackjack or 21.


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First lady Michelle Obama says it will likely be a quiet Super Bowl at the White House this year, probably featuring President Obama's favorite football snack: Nachos.
"Super Bowl food -- you know nachos are always good," Mrs. Obama told talk show host Rachael Ray, as long as "it's fresh tomato sauce and you get it on sort of a good quality tortilla."
The first lady agreed with the Ray, also a host on the Food Network, that nachos can be made in a healthy way.
"Yeah you can do it," Mrs. Obama said. "You can do it. Yeah I love nachos and the president loves avocado -- that's his favorite snack food, a chip dipped in some guac."
The Rachael Ray interview of Mrs. Obama airs Wednesday.
While the first couple has hosted Super Bowl parties in recent years, Mrs. Obama said it will be low key at the White House during this Sunday's big game.
"We'll probably watch it at home," Mrs. Obama said. "It'll probably be a quiet Super Bowl this year."
As we reported earlier today, the president himself is staying neutral in the game between the New England Patriots and New York Giants.
Mrs. Obama also said she has "the best job on the planet," but sometimes she misses the little things like shopping at Target.
"I have this wonderful platform that we can shine the light on so many important issues and galvanize the country in ways that I would never be able to do if I wasn't first lady. ... But there are definitely times when you want to make one run to your kid's soccer game without a motorcade. You know? So you begin to value anonymity and you lose that, but it's a small price to pay for being able to serve the country you love."
David's journalism career spans three decades, including coverage of five presidential elections, the Oklahoma City bombing, the 2000 Florida presidential recount and the 9/11 terrorist attacks. He has covered the White House for USA TODAY since 2005. His interests include history, politics, books, movies and college football -- not necessarily in that order. More about David
Follow the Oval on Twitter: @The Oval, @djusatoday.
Also contributing to the Oval: Richard Wolf @richardjwolf; Aamer Madhani @AamerISmad


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(if this is a private computer)
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When you purchase a digital subscription to Cake Central Magazine, you will get an instant and automatic download of the most recent issue.
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The Atara SX up the Reefton Spur there is an obvious difference between this sport-focused model and the rest of the range; which Toyota says remains aimed it traditional Camry buyers. It features a seemingly endless series of bends that twist, turn, dip, dive and climb making it a true test of a car's mettle.
New Toyota Camry Atara SX Model 2016 Features Shape Launch Date Interior & Exterior Pictures
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Strawberry Buttercream Question
Decorating By katie11 Updated 15 Apr 2010 , 6:19am by JanH
I have a recipe for strawberry buttercream filling that is just powdered sugar, finely chopped strawberries, and butter. Does this need refrigeration, or will the PS act as a preservative?
Sorry such a dumb question.
Powdered sugar acts as a preservative in American buttercream when the proportion of powdered sugar is great and the amount of liquid is very small.
To be on the safe side, I'd just refrigerate.
Quote by @%username% on %date%


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Do I need a Facelift? And nose job? (photos)
Doctor Answers 25
Too young for a facelift?
Consult with a Board Certified Fellowship Trained Facial Plastic Surgery Specialist.
"This answer has been solicited without seeing this patient and cannot be held as true medical advice, but only opinion. Seek in-person treatment with a trained medical professional for appropriate care."
Nose Job and Facelift in a Young Woman
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James Ridgway, M.D., FACS
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No Facelift
Thank you for your question.
Based on your goals, you may to consider procedures such as a Rhinoplasty. Rhinoplasty, or a nose job, may help to achieve a more balanced facial contour by targeting aesthetic concerns affecting the nose.
I'd recommend booking a consultation with a Board Certified Plastic Surgeon to determine what your options would be.
Take care.
Learn more: https://edelsteincosmetic.com/learning-centre/rhinoplasty-nose-job-information/
No lifting at all
Any nose can be improved, yours may benefit from dorsal shaving and tip work, but as it is now is also a nice nose.
Facelift? Nose Job? 20 years old.
Thanks for sharing your photos! You are beautiful and very feminine appearing. Don't be so harsh on yourself! These photos note the well balanced boney angles and heart shape of your face. Your skin is firm and smooth with even coloration. You have many stunning attributes including gorgeous eyes, long lashes and a terrific arch to your brows.
A facelift will not provide any improvement in the concerns you have. Consider:
- fillers along the upper cheek and nasolabial folds
- a rhinoplasty for the tip and small "shave" of the bridge.
- maintain your beautiful features with a active Dr. Obagi, ZO Skin Health Therapeutic regimen.
You have great features! Keep up the beauty!
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You do not need a facelift
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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|2008-06-20, 14:11
|Link #585
Peek a boo
Graphic Designer
Join Date: Dec 2005
|2008-06-20, 14:23
|Link #587
seiyuu maniac
Join Date: Aug 2006
Location: Tokyo, Japan
Either way it feels really like a story from typical JRPGs, as most JRPG stories usually has a turning point when all goes to hell and the original purpose of the hero is turned upside down in a single moment.
|2008-06-20, 14:27
|Link #588
Okay I just finished watching the final episode and here's my opinion on it. As an "ending" it's meh because it gives you the "That's it feeling", but as a cut-off point while waiting for more, it's pretty good. That's the best way I can put it. I am so look forward to this second season.
Spoiler for 12:
|2008-06-20, 16:14
|Link #590
Anime Snark
Join Date: May 2006
Location: Singapore
Age: 34
Interesting to note that the title for the next season is "The Sword~" instead of "The Aegis~". Which ties in nicely on Jil's change of motives, from wanting to be a protector, to that of an aggressor.
|2008-06-20, 16:54
|Link #592
~ You're dead ^__^* ~
Graphic Designer
Fatina is still my top girl though at the end of it (good to see her flag raised).
|2008-06-20, 17:20
|Link #593
Osana-Najimi Shipper
Join Date: Dec 2005
Location: Mt. Ordeals
lol @ Kaaya hate. C'mon, how much foreshadowings does one need to get the picture that she is one of the betrayers? XD
Gil on the other hand... knew it was a bit suspicious about him not being able to die. Probably another Gendo/Noein type of character, and I really look forward to his role in the next chapter.
Thing is, was that really Druaga in the tower? Neeba said it was merely the guardian, and I do think that the 'true' Druaga will be on top of the next tower.
And hmm... couple partner swapping? Just as mose people say that JiXFatina is becoming more of a possibiblity, the other is also true... this also raises the NeebaXKaaya flag as well. Them going up the tower hand-in-hand is pretty damning lol. XD
All in all, a great series. If this ever gets an R1 release with a dub, I'd be the first one to buy it.
Looking back at eps 1, when they mentioned that armies of armies couldn't beat Druaga, the moment they mentioned Druaga, a silhouette looking awfully like Gil in battle armour is shown. Makes me think that maybe eps 1 could be a summary of what happens in the next chapter of the series. Must think about that a bit more...
|2008-06-20, 18:35
|Link #594
Senior Member
Join Date: Aug 2007
Who's the guy that is dead in the scene with King Gil?
Nice episode!
Loved it!
Still no 3rd betrayal!
I'm definitely looking forward to the second season. It will probably start off with us seeing Jil with new allies and they are going to get married and live in a nice town then we all know what will happen next.
Also we probably won't see a second season till they come up with a druaga game probably.
|action, adventure, fantasy, gonzo, rpg
|Thread Tools


text:
Don't Consign Freud to Scientific Trash Bin;The Religion Trap
Published: December 23, 1995
To the Editor:
Richard A. Shweder's "It's Time to Reinvent Freud" (Op-Ed, Dec. 15) was a brilliant piece of satire and reader-misdirection in the tradition of Swift's "Modest Proposal."
As I skimmed over his "concern" for "the declining mental health of our nation's psychoanalysts" and over his glib characterizations of Freud's enemies (cognitive scientists, psychologists, the medical world et al.), I was lulled into believing that the author was a cultured defender of psychoanalysis.
Then Mr. Shweder pulls the rug out. To avoid extinction, he suggests, psychoanalysts should admit they are the practitioners of a secular religion, which of course is exactly what Freud's enemies have been saying for nearly a century.
Finally, his proposal that psychoanalysts join forces with theologians is a clever invitation to commit intellectual and economic suicide. Freud described himself as a "godless Jew" and, in "The Future of an Illusion," famously called religion an illusion that had no future.
I doubt whether, despite his appreciation of irony, Freud would be amused by Mr. Shweder's proposed "remarriage" of psychoanalysis and theology.
DOUGLAS TAYLOR Ann Arbor, Mich., Dec. 15, 1995


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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
Child visitation dispute, I have full physical and legal custody, the judge awarded supervised visits to the NCP and requested parenting classes. We both had lawyers representing us. I don't want to ask them this question if I do not have to (since they will charge me for it), so I am hoping someone can answer me here. Do I need to do anything with the minute order to make it official? I know the orders are in effect immediately, but I am worried about cops getting involved and not being able to read the judge's writing. Since I am the one who filed the motion, is it my burden to write up the orders? My attorney wants me to sign a satisfaction of agreement form so I am assuming they will not be processing the minute order. Thank you!Ok so I spoke with my attorney and they said since the judge did not check the box on the minute order stating it is necessary to prepare findings and order after hearing that we do not need to do anything at this point and the minute order will stand by itself..... does this sound accurate?
Typically, the judge will ask the prevailing party to draft an Order After Hearing. A Minute Order is not sufficient as it often leaves out important information (Supervised visits with who? Professional or Non-Professional? How many parenting classes? Reporting requirement? As a prerequisite to unmonitored visits?)
No one likes to pay their attorney, I get it. But in this case, you've come this far and your attorney is in the best position to draft the Order After Hearing for you. It really is necessary, and now is not the time to sub him/her out of the case. Good luck.
If you found this answer helpful, let me know by clicking the "Mark as Helpful" button or "Best Answer" at the bottom of this answer. By answering this question, the Law Offices of Cathleen E. Norton does not intend to form an attorney-client relationship with the asking party. The answers posted on this website should not be construed as legal advice. The Law Offices of Cathleen E. Norton does not make any representations about your family law matter, but rather, seeks to provide general information to the public about family-law related matters. You should consult with an attorney to discuss the specific facts of your case. Thank you.Ask a similar question
Thank you, that is just the answer I needed! I found it odd that they sent me the SOA form but made no mention of drafting any other paperwork so maybe they are already doing this and just didn't mention it to me. I will make sure to ask them though, thank you again for the quick response!
I agree with Ms. Norton, but someone has to type up the order on the correct form. I will not do it for free either.
My name is Stephen R. Cohen and have practiced 39+ yrs. I can be reached at 213-819-1171. I practicein Los Angeles and Orange County, CA. I give only appointments over the phone., these services do not create an attorney client relationship. My answers may offend as I do not believe in pulling punches or sugar coating the truth, I use common sense as well as the law. Other state's laws may differ and I would appreciate it if you feel like marking my answers helpful or best. There are a lot of really good attorneys on this site, I will do limited appearances which are court documents , less expensive.Ask a similar question
Thank you for your response, I have found through this process and several thousand dollars later that nothing is free when it comes to an attorney haha. I guess I am just confused about who has the burden in typing up these papers? I am assuming that would be me since I initiated the case....
Somebody has to type the order and get it entered and that takes the skill of a lawyer to make sure it is done legally and is fully binding. You cannot expect your lawyer to do that for free.Ask a similar question
Thank you, I assumed someone had to type up orders but I wasn't sure who is technically responsible for doing so since my lawyer didn't mention it to me in court....
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The U.S. Treasury, running short of cash, today announced a 6-day, $15 billion cash management bill to carry it through to June 15 tax collections and settlement of new notes and bonds.
The government is massively overshooting Treasury Borrowing Advisory Committee (TBAC) borrowing estimates issued in May. I have been pounding the table since then that the government's and the TBAC's economic assumptions have been way too optimistic. This week alone the government is $24 billion over the TBAC estimate for what it would need.
Debt ceiling issues notwithstanding, revenue is way behind projections. The U.S. government is headed for a budgetary collapse. Buyers of long-term Treasuries are whistling in the graveyard. Treasuries should be a good short if they close above 3.05 on the 10 year yield this week:
One way to short Treasuries is with ProShares Short 20+ Year Treasury ETF (NYSEARCA:TBF). I don't like the ultra-short ETFs; due to daily compounding, they suffer severe slippage over longer periods during counter-trend moves.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.


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The words 'regulated company' shouldn't intimidate you.
In terms of the Companies Act 71 of 2008, a regulated company is simply any company that takeover regulations apply to. Let's look at what that really means…
These three types of companies are considered 'regulated companies' in terms of the Companies Act
#1: Public companies. The Practical Tax Loose Leaf Service says these are companies that are often listed on the Johannesburg Stock Exchange (JSE). Examples include SABMiller and Anglo Gold Ashanti. The company will have Limited or Ltd after its name.
#2: State-owned companies. These are companies that are either 'state-owned enterprises' (Public Finance Management Act 1 of1999) or a company a municipality owns. It'll have SOC Ltd after its name, for example, Johannesburg Social Housing Company.
#3: A private company will become a regulated entity when it sells securities, in any 24-month period, of more than 10% of the value of their issued shares. This figure of more than 10% can be over a number of transactions during a 24-month period.
Note: When you sell a shelf company, it won't become a regulated company, but if the company's new owner decides to sell shares in this company, it'll become a regulated company.
For example, John is a budding entrepreneur. He buys a shelf company from Paul and sells shares in this company to his father, mother and two brothers. When he bought the shelf company from Paul, it was a non-regulated company. But as soon as he sold shares in the company, it became a regulated company.
Are there any laws that regulated companies must adhere to?
In October last year, we reported that if you're a regulated company and you want to enter into a fundamental transaction, the Companies Act requires you to first get your shareholders' permission.
Now that you know how the Companies Act defines 'regulated companies', be sure to also check out this article. It talks about the Takeover Regulation Panel and the control it has over regulated companies.
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HYPERBOLE: origins
It's not easy to wrap sentences around this fantastical storytelling spectacle created by a collaboration of artists under Sean T. Calwelti's direction. The launching point is the mid20th century and a laboratory whose apparatus is the "origin" machine, a fanciful contraption reminiscent of sci-fi circa the 1940s and 1950s. The machine is operated by a conscientious engineer and his somewhat airheaded assistant, who, like Icarus, dreams of strapping on wings and taking flight. Each time the machine is activated, it precipitates an oblique and fanciful tale about the origin of something: music, fire, sin, love/lava (jealousy), the chicken and the egg, the rabbit in the moon and creation itself. Each narrative is presented with wordless mime, elaborated on by a profusion of lighting, sound, videography, puppetry, masks and music. As impressive as these technical elements are, they never outrun the stories themselves, each of which offers a quirky fable about some aspect of the human condition. The superb production values (overseen by tech director Daniel Geesing) include designer Katie Polebaum's expressive masks, so many of which capture the essence of a singular sentiment or passion, as well as Kerry Hennessy's imaginative costumes and John Noburi's indispensably animating audio design. A terrific seven-person ensemble displays amazing versatility in presenting this plethora of parables and yarns. [Inside] the Ford, 2580 Cahuenga Blvd. East, Hlywd.; Thurs.-Fri., 8 p.m., Sat., 2 & 8 p.m.; through Dec. 12. (323) 461-3673.
Sat., Nov. 6; Sundays, 2 & 7 p.m.; Thursdays, Fridays, 8 p.m.; Saturdays, 2 & 8 p.m. Starts: Nov. 6. Continues through Dec. 12, 2010
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Stand Number: 840
Wusche Associates Ltd
In the last twenty years Vicki has completely redesigned and developed herself from single mother after her unexpected divorce to a successful business owner, author and renowned speaker.
While her two daughters were under three years old, Vicki enrolled at university, progressing through a first class honours and then Masters degree to becoming a university lecturer.
It was a chance attendance at a personal development event that really helped her recognise what was limiting young people and businesses of today... our out-dated education system. The more she learnt and studied outside the normal realm of thinking, the more she realised that she needed to take personal and financial responsibility for herself and her family.
Vicki started investing for herself and family in 2008. Within just five years she had been listed in The Telegraph as one of the top UK`s 25 most influential people in property. She has written four books and contributed to a further three. She regularly speaks at property and business events, delivering thought-challenging, valuable and inspiring content.
We know that everyone wants more control over their lives, their finances and their futures, and Vicki passionately believes - every one can have that ... with focus and education (where needed).
Property investment has been an excellent strategy giving Vicki and her clients that control. She now supports a range of small buisness owners to focus on increasing their profits by attracting sales, leveraging assets and being totally focused.
With the UK voting to leave the European Market, Vicki has again been evaluating the markets and the possibilities that this dramatic change can offer.
How will your business be affected? Are you already worried? Is your area, business or community reliant on European Funding?
One of the things Vicki excels at during her events is getting the audience involved in the debate. She focuses on generating possibilities that everyone in the audience can take away a practical tip or a new way of thinking about being successful in business.
When not on holiday scuba diving as her alter-ego The Property Mermaid, she manages her own portfolio, and runs 2 businesses; one sourcing property for bespoke clients and the other a training company offering strategic business development, mentoring, and training. She has bought buy to lets, HMOs, sourced development deals and helped hundreds of small businesses recognise where the profit is in their business.
Check the website for details on where she is speaking next. Come and listen to her alternative debate on how we can all be more successful and financially secure in the coming decade. More than just a property investment talk, Vicki will encourage you to challenge current business models, work more closely with your local communities and identify new possibilities post Brexit.


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Immunofluorescent analysis of VPS34 in HeLa cells using a VPS34 recombinant rabbit oligoclonal antibody (Product # 710194) followed by detection using an Alexa Fluor 488-conjugated goat anti-rabbit secondary antibody (green) (Image A). Nuclei were stained using DAPI (Image B) and actin stained with Alexa Fluor 594 phalloidin (red) (image C). Image D is a composite image showing perinuclear as well as cytoplasmic localization of VPS34.
|Tested species reactivity
|Human, Mouse
|Host / Isotype
|Rabbit / IgG
|Peptide corresponding to amino acids 502–515 of human VPS34
|0.5 mg/ml
|Protein A
|Storage buffer
|0.09% sodium azide
|Storage Conditions
|Maintain refrigerated at 2-8°C for up to 1 month. For long term storage store at -20°C
|Tested Applications
|Dilution *
|Immunocytochemistry (ICC)
|1-3 ug/ml
|Immunofluorescence (IF)
|1-3 ug/ml
|Immunohistochemistry (Paraffin) (IHC (P))
|Western Blot (WB)
|2-5 ug/ml
* Suggested working dilutions are given as a guide only. It is recommended that the user titrate the product for use in their own experiment using appropriate negative and positive controls.
ABfinity™ recombinant antibodies are rabbit monoclonal antibodies, unmatched for producing superior results. ABfinity™ antibodies are developed by immunizing animals, screening for functionality, cloning the immunogen-specific antibody genes into high-level mammalian expression vectors, produced on a large scale and purified with Protein A.
ABfinity™ oligoclonal antibodies comprise a selection of multiple different recombinant monoclonal antibodies, providing the best of both worlds—the sensitivity of a polyclonal antibody with the specificity of a monoclonal, all delivered with the consistency only found in a recombinant antibody. While functionally the same as a polyclonal antibody—recognizing multiple epitope sites on the target and producing higher detection sensitivity for low abundance targets when compared with monoclonal antibodies—an oligoclonal antibody has a known mixture of light and heavy chains. This exact population can be produced in every lot, circumventing the biological variability typically associated with polyclonal antibody production.
Intact IgG appears on a non-reducing gel as ~150 kDa band and upon reduction generating a ~25 kDa light chain band and a ~50 kDa heavy chain.
VPS34 is a class III phosphatidylinositol 3-kinase (PI3K). PI3K are lipid kinases that regulate vital cellular processes, including signal transduction, membrane trafficking, cytoskeletal regulation and apoptosis. VPS34 plays a role in insulin-stimulated mitogenesis. It is required for internal vesicle formation within multivesicular endosomes. VPS34 and its adapter protein p150 are Rab7 interacting partners, and the hVPS34/p150 complex co-localizes with Rab7 on late endosomes.
For Research Use Only. Not for use in diagnostic procedures. Not for resale without express authorization.


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Lime Energy (NASDAQ:LIME)
Q3 2013 Earnings Call
November 14, 2013 4:30 pm ET
Glen Akselrod
John E. O'Rourke - Chief Executive Officer and Director
Jeffrey R. Mistarz - Chief Financial Officer, Chief Accounting Officer, Executive Vice President, Treasurer and Secretary
Good day, ladies and gentlemen, and welcome to the Third Quarter 2013 Lime Energy Co. Earnings Conference Call. My name is Brianna, and I'll be your operator for today. [Operator Instructions] As a reminder, this conference is being recorded for replay purposes. I would now like to turn the conference over to Mr. Glen Akselrod, spokesperson. Please proceed.
Glen Akselrod
Thank you, Brianna. Good afternoon, and thank you for taking the time to join Lime Energy's 2013 third quarter results -- financial results conference call. With us today is John O'Rourke, CEO; and Jeff Mistarz, CFO. I hope all of you had a chance to review the earnings announcement released earlier today, and which can be accessed on Lime's website, www.lime-energy.com, or for the 10-Q on the SEC website.
Before I hand the discussion over to John, I want to remind everyone that the call today will include some statements that will be considered forward-looking regarding the company's strategy, operations and financial performance. Those statements are subject to many uncertainties and some company's operations and business environment, some of which we'll talk about on the call.
I'll also refer you to the complete forward-looking statement disclosure in the earnings release, which is incorporated by reference for the purpose of this call. I'd also like to refer you to the disclosures made in the company's quarterly and annual filings with the SEC. Finally, before we get started, I want to mention that this call is being broadcast live over the Internet, and can be accessed on the Lime Energy website and also on the Thomson/CCBN network. There will be a replay available on either website until February 14, 2014.
With that, I'll hand the discussion over to John.
John E. O'Rourke
Thank you, Glen, and thank you and good afternoon, everyone. Results for the quarter were in line with our expectations. We continue to feel solid improvement year-over-year in both gross margin and revenue growth. Our utility business is demonstrating clear signs of operating stability in the wake of solid execution against key initiatives enacted earlier in the year.
We believe these trends will continue into 2014 and 2015. We have seen strong new business activity in the third quarter, as more utilities look to deploy energy efficiency for their small business customers. Lime's unique sales and deployment model and track record of success is increasingly being sought after by utilities in their efforts to cost effectively deploy efficiency in their hard-to-reach markets.
Highlights for the third quarter include: consolidated revenue from continuing operations increased 54.9% year-over-year, gross profit increased 125% year-over-year, and excluding one-time expenses, SG&A increased 4.4% year-over-year.
In September, our contract with National Grid was extended for another 2 years. We converted all our outstanding subordinated notes to preferred stock, and raised $2.5 million through the sale of additional shares of preferred stocks.
We promoted Adam Procell to President and Chief Operating Officer, consistent with our initiative to strengthen the leadership team, as discussed on our last call. In October, we regained compliance with NASDAQ's requirements for continued listing.
Early this month, we completed the sale of our landfill plant in Florida, and repaid the term loan with PNC Bank in full, and just last week, closed on the sale of our regional services business in Bethlehem, Pennsylvania. All of the above will help to pave the way for what we hope will be a clean first quarter in 2014.
In the near term, our gross margin may fluctuate as we continue to ramp the utility business and refine our back office and administrative processes. To date, we are moving in the right direction. Our SG&A, as a percent of revenue, remains high at these revenue levels, however, we expect this to decline as revenues increase later this year.
We are striving to achieve the right balance between reducing SG&A as a percent of revenue, supporting and managing our growth, and continuing to make investments in our technology platform that eventually will drive efficiencies in the business, while we improve service engagement levels with our clients, resulting in better program pricing levels and expanded opportunities in 2014 and 2015.
As I stated on my previous calls, our goal is to turn our profit in the fourth quarter, absent any commercial or operational interruptions in the business. I discussed the need to overcome several difficult and important challenges, including improving our gross margin profile, strengthening our balance sheet, reducing SG&A as a percent of revenue and continuing to invest smartly in our technology and IT infrastructure. I feel like we are making good progress in addressing each of these challenges.
Our efforts in the gross margin area are showing strong improvement, as evidenced in the published results. We are accelerating our efforts to strengthen the balance sheet, and we are continually rolling out new enhancements to our technology.
So with that, I would now like to turn the call over to Jeff Mistarz, our Chief Financial Officer.
Jeffrey R. Mistarz
Good afternoon, everyone. Thanks, again, for joining us on this conference call. I'm going to provide a quick review of our results through September 30. I'd like to start by explaining that this quarter, we have included the results from GES-Port Charlotte our FRR contract and our service business in discontinued operations, along with the results from our public sector business, the bulk of which we sold in February. GES-Port Charlotte, FRR and service were all included in continuing operations in prior periods, which means you can't really compare the results for the third quarter to our prior filings, and we'll therefore provide you adjusted numbers for prior periods as I go through this review.
Starting with our third quarter results. Our revenue from continuing operations increased 54.9% or $4.7 million to $13.4 million during the third quarter of 2013 from $8.6 million during the third quarter of 2012. Sequentially, the third quarter revenue was 8.3% or $1 million higher than the revenue earned during the second quarter of this year, and 19.1% or $2.1 million higher than the first quarter. The growth in our quarterly revenue was largely driven by the new utility contracts that have come online during the last quarter.
Our gross profit increased 125.2% or $2.1 million during the third quarter to $3.7 million from $1.6 million earned during the same period last year. Gross profit for the third quarter was 17.9% higher than the gross profit earned during the second quarter and 41% higher than the first quarter.
Our gross profit margin increased from 19.1% during the third quarter of 2012 to 20.8% for the fourth quarter of 2012 to 23.4% for the first quarter of 2013 to 25.5% for the second quarter, and 27.7% for the third quarter of the year. The continued expansion of our gross profit margin is due to improved efficiencies within our programs and the higher margins associated with newer programs.
We believe that the opportunities for continued -- we believe there are opportunities for continued improvement in our gross profit margin and future periods as we continue to focus on improving our operations and the new programs become a larger portion of our overall revenue mix.
Our SG&A expense declined $764,000 or 11.8% to $5.7 million during the third quarter of 2013 when compared with the year-earlier period. Costs related to the restatement and stockholder lawsuits declined $841,000 to $657,000 during the third quarter of 2013 from $1.5 million during the third quarter of 2012.
Our SG&A expense, including these charges, increased $77,000 or 1.6% when compared to the same period last year. Utility-related SG&A increased $245,000, driven by the new utility programs where we've opened new offices and hired staff to execute in these new territories. Corporate SG&A and SG&A associated with program utility overhead declined by $322,000 when compared to the year-earlier period.
Our SG&A expense, excluding restatements and lawsuit-related costs declined $88,000 or 1.7% from the second quarter of 2013 or was $289,000 or 7.9% higher than the first quarter again due to expenses associated with the new utility programs.
The loss from discontinued operation declined $1.5 million or 81.7% to $329,000 during the most recent quarter from $1.8 million during the third quarter of 2012. This loss compares to $2.1 million loss during the second quarter of the year and $3 million loss during the first quarter. The continued reduction in the loss from discontinued operations is primarily due to the sale of the public sector business in February and the continued wind down of projects we retained from that sale.
We still have a couple of projects that we are in the process of closing out, and hope to have them all completed within the next month or 2. Once new contracts are finished, the only remaining discontinued operations we will have will be associated with the FRR contract, which has projects that will not close off until late spring or early summer next year.
Our net interest expense increased $1.5 million during the third quarter of 2013 when compared to the third quarter of 2012. The holders of our subordinated notes converted their notes to preferred on September 3 of this year.
We have previously capitalized certain costs associated with this issuance, and we're amortizing those costs over the terms of the notes. Upon the conversion of the notes, we expensed the unamortized balance of this capitalized expense, resulting in a $1.3 million noncash charge to interest expense during the period.
All of this combined to result in a 41.8% or $2.8 million reduction in our net loss for the quarter, with our net loss declining from $6.6 million to $3.8 million for the third quarter of 2012. Our adjusted EBITDA loss, excluding the loss from discontinued operations, declined $2.6 million or 61.1% to $1.7 million for the third quarter of 2013 compared to a loss of $4.3 million for the third quarter of 2012.
Adjusting this further to remove the restatement costs, the adjusted EBITDA loss was $1 million, which was down from $2.8 million for the third quarter of 2012. Comparable figures, excluding discontinued operations and the restatement and lawsuit expenses for the first and second quarters of 2013 were a loss of $1.8 million and a loss of $1.6 million. As you can see, we're making consistent progress in reducing the loss from our continuing operations.
Adjusted EBITDA is a non-GAAP financial measure we are providing because we believe that it provides a meaningful comparison of operating result to prior period results. For information on the calculation of adjusted EBITDA, please refer to our earnings announcement, which is available on the Form 8-K filed this afternoon. You can access on the SEC's EDGAR site or through our website.
Now looking at the 9 months results, our revenue increased $12.3 million or 49% to $37.5 million when compared to the $25.2 million earned during the first 9 months of 2012. Again, this increase was primarily the result of revenue for new utility contracts won or started since the beginning of 2012.
New contracts we have begun work on since January 2012 include our contracts with AEP Ohio, Duke Progress Energy [sic] (Duke Energy Progress) in the Carolinas, Central Hudson in Southeast New York, PSE&G in New Jersey, NSTAR in the Boston area and Efficiency Maine in Maine. Our gross profit increased $4.9 million or 94% to $10.1 million during the first 9 months of 2013 compared to $5.2 million for the year earlier period. Our gross profit margin improved from 20.6% in 2012 to 26.9% during the first 9 months of 2013.
As stated earlier, the improvement on gross margin is due to improvements in our operating efficiency and increasing contribution from our new utility contracts, which generally have higher margins.
Our year-to-date SG&A expense for 2013 was $710,000 or 4.3% higher than the SG&A for the same period in 2012. Restatement and lawsuit-related expenses increased $1.4 million during the first 9 months of 2013 to $2.9 million from $1.5 million for the first 9 months of 2012. Adjusted for these charges, our SG&A expense declined $665,000 or 4.5% despite the SG&A associated with the new programs added since the beginning of 2012.
Our net interest expense increased $2.1 million when compared to last year. Again, $1.3 million of this was associated with the write-off of the sub debt deferred financing cost and debt discount. The balance of this increase was also associated with the sub debt.
We issued the sub debt in October of 2012 so there was no sub debt interest through the first 9 months of 2012, whereas, this year, interest on our sub debt totaled $712,000. With the conversion of the sub debt, we have no remaining debt so there will be no interest expense in future periods.
The loss from discontinued operations declined $738,000 or 17.4% to $3.5 million for the first 9 months, ending September 30, 2013, compared to $4.2 million for the same period last year. This reduction was due to the sale of most of our public sector business in February of this year. Add this all up, and our net loss for the 9 months, ended September 30, 2013, declined $2.9 million or 18.5% to $12.6 million from $15.4 million for the year-earlier period.
Our adjusted EBITDA loss, excluding discontinued operations, declined $2.7 million or 31.1% to $6 million from $8.7 million for the year-earlier period.
To give a better sense of what our continuing business is doing, we'll also present the adjusted EBITDA, excluding discontinued operations and restatement and legal costs related to our shareholder lawsuits in our earnings announcement. This figure declined $4.1 million or 56.8% to a loss of $3.1 million from a loss of $7.2 million during the first 9 months of 2012.
Our net cash consumed by operating activities declined 63.5% or $5.7 million during the first 9 months of 2013 to $3.3 million from $8.9 million during the same period of 2012. The cash consumed by operating activities before changes in assets and liabilities, which is basically our net loss, excluding noncash items, declined $2.2 million year-to-date or 19.1% to $8.5 million from $11.2 million last year.
The changes in assets and liabilities, that is the change in net working capital, generated about $5.3 million during the first 9 months of 2013 compared to generating $2.2 million during the year-earlier period. This $3.6 million improvement was primarily due to improved payment terms we have been able to get from our suppliers and collections on receivables from our discontinued businesses.
I think that pretty much covers everything. So now I'll turn it back to John.
John E. O'Rourke
Thanks, Jeff. I'd like to summarize our thoughts here before we hand it over for questions. We are pleased with the 54% year-over-year revenue growth in the utility business for the quarter, bolstering our efforts to be profitable in the fourth quarter. We are also pleased with the 125% expansion in year-over-year consolidated gross margins.
These improvements in our operating results in combination with the reduction in the restatements and legal costs and the elimination of the loss from discontinued operations, all contributed to the reduction in our net loss for the period. We look forward to a steady decrease in our SG&A as a percent of revenue, mainly as a result of increasing revenue levels through the remainder of the year, and improving operating efficiencies as a result of executing against our key initiatives.
We have been hyper-focused on methodically removing the lingering obstacles in the business, including regaining compliance with NASDAQ listing requirements by executing a reverse stock split, in conjunction with the sub debt conversion, raising an additional $2.5 million through the sale of additional preferred stock, executing the sale of GES-PC, our landfill power generation facility, and repaying the associated term loan, thereby eliminating any threat of default with PNC Bank, and just recently closing on the sale of our regional service business in PA.
Make no mistake about it, we have made huge progress in advancing the ball over the last 3 quarters, and are pleased with our position going into 2014.
Thank you, and with that, I will hand it back to the operator for questions.
Question-and-Answer Session
[Operator Instructions] If there are no questions, this will conclude the question-and-answer session of today's conference, as well as the call.
John E. O'Rourke
Thank you, and good evening, all.
Copyright policy: All transcripts on this site are the copyright of Seeking Alpha. However, we view them as an important resource for bloggers and journalists, and are excited to contribute to the democratization of financial information on the Internet. (Until now investors have had to pay thousands of dollars in subscription fees for transcripts.) So our reproduction policy is as follows: You may quote up to 400 words of any transcript on the condition that you attribute the transcript to Seeking Alpha and either link to the original transcript or to www.SeekingAlpha.com. All other use is prohibited.
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The PFT crew breaks down Darrelle Revis signing with the New England Patriots. Revis signed a one-year deal with a team option for a second year that would net the CB $20m next season, otherwise he will be an unrestricted free agent.
PFT: Patriots buy property on Revis Island
Posted by Bill Leopold on March 13, 2014, 6:37 PM EDT
Permalink 2 Comments Latest Stories in: New England Patriots, PFT Live, Videos
2 Responses to "PFT: Patriots buy property on Revis Island"


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Donald Trump could have avoided incurring tax liabilities for 18 years
Donald Trump could have avoided incurring tax liabilities for 18 years because of business losses in 1995, it has emerged.
According to records obtained by The New York Times, his losses were so large they could have allowed him to avoid paying income taxes for as many as three years of prior and 15 years of future profits.
The newspaper said it anonymously received the first pages of Mr Trump's 1995 state income tax filings in New York, New Jersey and Connecticut.
They show a net loss of 915,729,293 dollars in federal taxable income for the year.
That Mr Trump was losing money during the early to mid-1990s - a period marked by bankruptcies and poor business decisions - was already well established.
But the records obtained by the New York Times show losses of such a magnitude that they potentially allowed him to avoid paying taxes for years, possibly until the end of the last decade.
Mr Trump's campaign lashed out at the newspaper for publishing the records and accused the newspaper of working to benefit the Republican nominee's presidential rival, Democrat Hillary Clinton.
"The New York Times, like establishment media in general, is an extension of the Clinton campaign, the Democratic Party and their global special interests," the campaign said.
It called Mr Trump "a highly skilled businessman who has a fiduciary responsibility to his business, his family and his employees to pay no more tax than legally required".
The campaign said Mr Trump had paid "hundreds of millions" of dollars in other kinds of taxes over the years.
Mrs Clinton's campaign manager, Robby Mook said "this bombshell report reveals the colossal nature of Donald Trump's past business failures and just how long he may have avoided paying any federal income taxes whatsoever".


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text:
Home | Business Insurance | Fact Sheets for Businesses | Health Savings Accounts
For More Information Please Contact:
Christopher Kempton
Click here to download a printable PDF.
With the cost of health insurance on the rise, many employers are starting to offer health savings accounts (HSAs). While HSAs offer a host of important benefits, they're also a bit different than what you might be used to with a more traditional health plan.
1. You need a high deductible health plan first.
HSAs work hand-in-hand with high deductible health plans (HDHP). A HDHP is simply a health insurance plan that has a lower premium and a higher deductible than a more traditional plan.
2. A look at the costs.
According to human resources firm Towers Watson, HDHP premiums for individuals are typically 10-40% lower than traditional plans.
However, according to a 2011 survey by the Kaiser Family Foundation, workers have to pay an average deductible of $1,908, compared with traditional health plans, which, on average, have deductibles well under $1,000. Whatever your deductible is, you'll have to foot the bill for all your medical expenses (including prescriptions) up to that amount.
Besides the deductible, you may also have to pay some other out-of-pocket expenses in the form of a co-insurance percentage. For instance, your insurance company may cover 80% of a medical expense; you'd then be responsible for the remaining 20%.
3. How you'll pay for these costs.
To cover your medical expenses, you can contribute money — on a pre-tax basis — into your HSA. In 2012, individuals can contribute up to $3,100 and families can contribute up to $6,250. You can withdraw this money tax-free to pay your medical bills. Any money you don't use will roll over to the next year.
4. There is a limit to what you have to pay.
With most HDHPs, the amount of money you have to pay is not unlimited; there is an "out-of-pocket" maximum amount. For instance, if your plan has an out-of-pocket maximum of $5,500, once you've paid that amount, the insurance company pays for everything else afterwards.
5. You'll need to do the math.
Many people save money with HSAs. For instance, young, healthy individuals who don't use a lot of medical care can save; likewise if you have a costly medical condition and go to the doctor frequently, you may be able to save because you pay nothing after you hit your plan's out-of-pocket maximum. However, to determine whether an HSA is right for you, you should do the math on all the numbers.
This information is advisory in nature. No liability is assumed by reason of the information in this document.
Group Benefits Solutions
Contact Info:
Direct: 716.362.7344
Main: 716.853.3820 x7344
Fax: 716.847.1360
Check the background of this investment
professional on FINRA's BrokerCheck »
Check the background of this investment professional on FINRA's BrokerCheck »


text:
Yuli Y Kim, MD
Yuli Y Kim, MD
Assistant Professor of Medicine at the Hospital of the University of Pennsylvania and the Children's Hospital of Philadelphia
Department: Medicine
Contact information
Perelman Center for Advanced Medicine
11th Floor, South Pavilion
3400 Civic Center Boulevard
Philadelphia, PA 19104-5127
11th Floor, South Pavilion
3400 Civic Center Boulevard
Philadelphia, PA 19104-5127
Education:Permanent link
Georgetown University, 1995.
University of Virginia, 2001.
Georgetown University, 1995.
University of Virginia, 2001.
Description of Clinical ExpertiseAdult congenital heart disease
Description of Research ExpertiseCongenital heart disease
Echocardiography, adult congenital heart disease
Selected PublicationsKim YY: Right Heart Anomalies Practice of Clinical Echocardiography. Elsevier, December 2016.
Kim YY, Ruckdeschel ES: Approach to residual pulmonary valve dysfunction in adults with repaired tetralogy of Fallot. Heart 102(19): 1520-1526, October 2016 Notes: Epub 2016 Jun 21.
Kim YY, Rathod RH, Gauvreau K, Keenan EM, Del Nido P, Geva T: Factors associated with severe aortic dilation in patients with Fontan palliation. Heart 103(4): 280-286, August 2016 Notes: Epub 2016 Aug 12.
Londono-Obregon C, Goldmuntz E, Davey BT, Zhang X, Slap GB, Kim YY: Adult CHD: the ongoing need for physician counselling about heredity and contraceptive options. Cardiol Young Page: 1-6, July 2016 Notes: Epub 2016 July 7.
D'Souza BA, Epstein AE, Garcia FC. Kim YY, Agarwal SC, Belott PH, Burke M, Leon AR, Morgan JM, Patton KK, Shah M: Outcomes in Patients with Congenital Heart Disease Receiving the Subcutaneous Implantable-Cardioverter Defibrillator: Results From a Pooled Analysis From the IDE Study and EFFORTLESS S-ICD Registry. JACC-Clinical Electrophysiology May 2016 Notes: Published online 2016 May 18
Deng LX, Khan AM, Drajpuch D, Fuller S, Ludmir J, Mascio CE, Partington SL, Qadeer A, Tobin L, Kovacs AH, Kim YY: Prevalence and Correlates of Post-traumatic Stress Disorder in Adults with Congenital Heart Disease. Am J Cardiol 117(5): 853-857, March 2016 Notes: Epub 2015 Dec 13.
Tsaur S, Gleason L, Kim YY: Quality Indicator Completion Rates in Adults with Tetralogy of Fallot. Adult Congenital Heart Association 8th Annual Conference Orlando, FL 2016 Notes: Poster presentation.
Menachem JN, Goldbus J, Molina M, Mazurek J, Birato E, Hornsby N, Atluri P, Fuller S, Kim Y, Goldberg L: Successful Cardiac Transplantation Outcomes in Patients With Adult Congenital Heart Disease: A Team Based Approach. American College of Cardiology Meeting 2016 Notes: Poster presentation.
Goldberg LA, Gleason LP, Ruckdeschel, ER, Bhamare T, Drajpuch D, Hirshberg A, Partington SL, Rogers R, Srivinivas SK, Stokes N, Tobin L, Levine LD, Kim YY. : Risk Assessment in Pregnant Women with Congenital Heart Disease. American Heart Association Scientific Sessions. New Orleans, LA. 2016 Notes: Poster presentation.
Kimm YY : Guidelines for the Management of the Adult with Congenital Heart Disease. ACC/AHA 2016 Notes: Invited Reviewer.
back to top
Last updated: 03/10/2017
The Trustees of the University of Pennsylvania
Last updated: 03/10/2017
The Trustees of the University of Pennsylvania


text:
Although it's not too often that we find a leaked operating system become available for an unreleased handset, it still nonetheless happens every now and then out of the blue which can some times make you scratch your head and wonder. In any event, the upcoming BlackBerry Curve 9330 is already in the spotlight after BlackBerry OS 6 has been leaked for the handset. In its form right now, it appears as though that the handset is currently running OS 126.96.36.1997, but now that OS 126.96.36.199 has been leaked, it's very telling that the device will most likely launch with OS 6 when it debuts.
Even though BlackBerry Torch 9800 owners are reaping all of the benefits that the new platform has to offer, we have yet to see it make its way around other devices officially, but potential BlackBerry Curve 9330 owners will be happy to know they'll most likely experience the same too.
RIM BlackBerry Curve 9330 Specifications
source: BBLeaks


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text:
قابلیت ها | Features
Alder body offers a strong, full sound with beefy lows and sizzling high-end.
The Maple "Talman Classic-Plus" 22-fret neck is a traditional "C" shape for a comfortable, familiar feel reminiscent of guitars from the 50's and 60's, but its smooth, easy-playing Rosewood fretboard is where modern innovation takes over.
کنترلها | Controls
سلکتور | Switching System
ابعاد دسته گیتار | Neck Dimensions


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Telephone +33 3 83247590
Fax +33 3 83247673
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MS Techniques makes tubes and profiles for medical industry: coextruded, multi-lumen, reinforced, micro and thin wall tubes in a variety of polymers such as PE, PP, POM,PUR, PC, PEBA, PEEK, etc.
Additional operation can be achieved like over molding, tip forming welding and assembly.
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1-9 Mio US $Export content
max. 75%Number of employees


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text:
Coming off an injury-curtailed 2010, Jaguars RB Maurice Jones-Drew may not play in 2011 until the regular season starts.
He rushed for 1,324 yards a year ago despite missing the final two games after succumbing to a torn meniscus that plagued him all season.
"This year, there is no pain," Jones-Drew says now. "It's just going out there playing like I've been playing the first couple of years without it. I guess you can pretty much say they got me a new knee off of eBay. Pretty cool."
But even Jones-Drew doesn't which defender will be bidding to hit him first.
"Getting tackled to the ground is a feeling you want to feel," he said, "so hopefully the coaches will be confident enough to let me do it in preseason. If not, then Week 1 it will be. It's not a big deal."
Which is the message he's getting from head coach Jack Del Rio.
"He's fully compliant and understands that we've got to have a plan," said Del Rio, who will hold MJD out of this week's contest.
"We've got to execute that plan, and part of that is getting him to the season as healthy and prepared as possible. He does need to have some contact, but we'd like that contact to be controlled as long as we can."
Nate Davis is a reporter, blogger and editor who's been at USA TODAY since 2000. He has covered the NFL since 2005. No, he did not play quarterback for Ball State. Davis' succession of our esteemed colleague Sean Leahy at The Huddle is considered a Brady-for-Bledsoe swap by most "insiders."More about Nate