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We are calling everyone that is able to come to Washington, DC on March 16th, 2010 for one last push against Obamacare. We will meet at the Cannon building at 9am and speak with as many representatives as possible, encouraging them to vote NO on this version of health care reform.
It seems my blog post of last week, "The Trouble with Sasse," has sparked a nerve.
In it, I explained why I believe that, based on US Senate candidate Ben Sasse's public statements and writings, the former Bush Administration official:
I also noted that he praised Medicare Part D's "premium support" model as an ideal model for revamping the entire US health care system, in pursuit of a goal of "universal health insurance coverage."
I also noted that Sasse was for Part D before he was against it.
Obviously, these contentions run counter to the image he has been presenting as the most passionate, knowledgeable, and principled opponent of Obamacare in the race.
Which raises the question: What are his principles, anyway?
The pushback on my piece has been strong. His campaign has circulated a fund-raising email blasting me and FreedomWorks for mischaracterizing Sasse's views (although all I've done is quote Sasse's own words).
And Bill Kristol's Weekly Standard has risen to Sasse's defense, to attest that he does in fact favor repealing Obamacare (something I've never denied).
Now, I'll be more than happy to withdraw any or all of my contentions when evidence is brought forward proving them inaccurate.
But so far, no one has actually answered them, or really even tried to.
The rebuttals so far have been essentially evasive. I cheerfully grant that Ben Sasse:
That's all wonderful. But those things by themselves are not good enough reasons to put a man in the Senate. As far as I can tell, every Republican wants to repeal Obamacare. So does more than half the U.S. population. These days, a candidate's desire to repeal Obamacare tells us approximately zero about how he will behave in office. To know that, we also need to know his basic principles (not only his principles for national health care reform but also his principles regarding the role and purpose of government).
So what does Ben Sasse support? What are his reform principles?
Taking my earlier contentions a step further, I would say that, based on his public statements to date, he would appear to be on the horns of at least three dilemmas (all three point to the same underlying issue, the proper role of government in health care):
(By the term "premium support," I mean government-regulated pseudo-market programs like Romneycare, Obamacare, and the Medicare Part D program that Sasse has extolled. The latter can fairly be described as Obamacare Lite for seniors.)
Where does Mr. Sasse come out on these dilemmas? His public statements make it pretty clear he opts for option (a) in all of them. If so, is that the kind of worldview that Nebraskans want in their next U.S. Senator?
I would be delighted to discover I'm mistaken.
And by the way, if Sasse's ultimate goal is option (b) -- market-driven, patient-centered care -- you won't hear me criticizing him for favoring a transitional policy to move us toward that goal. All practical conservatives accept the need for transitions when change is potentially disruptive and affects millions of people.
But the question remains: What is his goal? What are his reform principles? Where would he take us, post-Obamacare?
Or to put it more simply: Which Ben Sasse is the real one? The anti-Obamacare firebrand? Or the Part D-admiring technocrat? The Sasse who claims to reject the entire "Obamacare worldview"? Or the Sasse who extolled Medicare Part D as "the answer to health reform" and a "patient-empowering solution"?
Will the real Ben Sasse please stand up?
Until he anwers that question clearly, I'll have to go by his public statements and assume that he's a big-government technocrat posing as a small-government conservative.
Dean Clancy is FreedomWorks Vice President for Public Policy. He has spent two decades working for health care freedom.
+ + +
BOUNTY: I will pay $1,000 to the first person who persuades an objective judge that all four of my main claims about Ben Sasse (above) are false. -- Dean Clancy 02/12/2014
It seems my blog post of last week, "The Trouble with Sasse," has sparked a nerve. In it, I explained why I believe that, based on US Senate candidate Ben Sasse's public statements and writings, the former Bush Administration official:
Her status update caught my eye, but only because I'm used to seeing this friend write about her role in the latest play at the community theatre, or post about something hilarious one of her kids said. She doesn't post much of anything political, and I can't remember ever seeing her complain. But this post was different.
Kelly had just received a new premium quote to cover her family, which includes her husband and their five children.
"...If you are a hard working, self employed family with a house full of children then you can get screwed just like us! I am so glad everyone gets healthcare now, OH WAIT! Except for those who opt out and get fined the $95.00 a year because they can't afford their premiums. I guess they don't get "affordable" healthcare either. Don't break a leg folks..or worse...This tirade brought on by the fact that I just got a premium quote of up to 1254.00 a month (not including dental) and I am mad about it."
That wasn't the only quote she received, she shopped around. The lowest she could find was over $1,022 a month, and what she didn't mention in her self described "tirade" is not only is their insurance premium increasing by several hundred dollars a month, their deductible is doubling as well. Each family member will now have to meet a $6,350 deductible before insurance kicks in.
Kelly's husband owns a machinery businesses and is the sole provider for their family. They don't live an extravagant lifestyle and they've made a lot of sacrifices in order for Kelly to stay home and raise their children. I asked her what this costly increase means for their family.
"Financially this will be devastating for us. We will have to lower our grocery budget and who knows where the money will come from to keep this family clothed. Feeding and clothing five kids is hard enough, but there are activities and other things they all want to be a part of that will have to be passed over because we simply can't afford it. Future plans for house upkeep and family vacations will all be put on the back burner as well. Basically our quality of life will be diminished."
She went on to talk about the anxiety the situation has caused.
"Our coverage was never really good at the lower rates. But now we have to pay more for the same or worse insurance. It actually causes me anxiety and makes me feel depressed when I try to think about where the money will come from."
In the past few weeks I've noticed several of my friends posting about huge increases in premiums and deductibles while also seeing a decrease in their coverage. Many have reached out to me via social media or email to share their stories.
Another friend, Michelle, recently commented on a Facebook status stating that the increase in premiums forced her to go back to work full time.
"The real war on women is the fact I can no longer afford to stay home with my children. That choice was taken away."
Only four years ago Michelle had a comprehensive plan covering her and her two young children for $181 a month, and a low $500 annual deductible. In 2010 that plan jumped to $700 a month and the deductible doubled. At the end of that year she was notified that her rates were about to increase by as much as 60%.
"That's a mortgage payment for us. My husband's job provides insurance but adding me and the kids raises the cost to over $1000 a month. It's just not doable."
She had to make the choice to either find a full time job that provides insurance or go without coverage. Today, both her and her husband work full time primarily to afford a plan that carries a $5,000 per child deductible. Like Kelly's family, they don't qualify for subsidies under the income guidelines of ObamaCare.
The promises of lower premiums, more choices, and being able to keep your plan, made to millions of Americans by President Obama continue to be broken by economic reality. It sounded to good to be true, and it is. Neither family I spoke to can afford insurance now that the "Affordable Care Act" is in effect.
These are just two families who have had their lives negatively impacted by ObamaCare. Unfortunately, there are nearly six million people who have had their plans cancelled already, and according to some estimates, tens of millions more to come.
What will your family be forced to sacrifice? How will your family cope with dropped coverage and skyrocketing costs under ObamaCare?
Photo purchased from iStockphoto
Her status update caught my eye, but only because I'm used to seeing this friend write about her role in the latest play at the community theatre, or post about something hilarious one of her kids said. She doesn't post much of anything political, and I can't remember ever seeing her complain. But this post was different. Kelly had just received a new premium quote to cover her family, which includes her husband and their five children.
In order to get young people to buy the Obamcare Exchange health insurance plans, the Obama Administration dictated to insurance companies a new deadline of December 24, Christmas Eve, for policies to be effective January 1. At the same time, over the weekend the President went through a botched PR rollout of his own, enrolling in the DC Exchange. These games will continue, and probably become worse, once the law is in full effect next week.
The Obama Administration and other Obamacare backers have been trying for a long time to get young people to sign up for exchange-based insurance. The latest social media push urged supporters to talk to relatives at holiday gatherings.
Never mind, for a second, how uncomfortable that would be -- having cousin Chad show up as the Instant Expert on Obamacare to lay down the White House talking points. Consider when people actually get together for the holidays: it's usually only Christmas Eve and Christmas Day. Sure there are extended visits, but the mother lode of extended family interaction is on those two days.
The White House finally figured out that after all of the hype pushing people to talk to their families, they'd be past their already extended deadline by the time most people gathered to enjoy each other's company. Awkward! It would be far better to extend that deadline into the prime holiday time.
At the last minute, they even went to the trouble of enrolling President Obama in the DC exchange, even though as Commander-in-Chief he and his family have a health care staff at beck and call.
The President didn't sign up himself, mind you. His staff did it for him.
"Like some Americans, the complicated nature of the president's case required an in-person sign-up," the official said. "As you'd expect, the president's personal information is not readily available in the variety of government databases HealthCare.gov uses to verify identities."
The only way the President's staff would know that his enrollment wouldn't work is if someone tried it.
The President or his staff must have attempted to sign the President up for the Obamacare exchange and found that they couldn't do it. Just as for many other Americans who face the mandate tax, the President couldn't sign up on healthcare.gov, either.
But it's good to be king; you can sign up in person. Normal people who sign up "in person" are simply walked through the web site or paper signup. Where did this particular "in-person sign-up" take place? It can't be in just some random Navigator's office, since even they just use the web site. Ace guesses White House staff went to Health and Human Services IT offices and had them do it:
And they mean that he didn't use the website, though that's supposedly "fixed" and he's telling everyone else to use it. "Signed up in person" means he utilized top HHS IT officials, entering data directly into the system, to execute this symbolic gesture.
And why is the President's information not available to healthcare.gov? Surely the security at that site is sufficient to prevent disclosure, isn't it?
Actually, it's not.
So while the President waits past the deadline to enroll, extends the deadline again and again, and finally cuts through the bureaucracy in a way ordinary people could not, to sign up for insurance he isn't even going to use, insurance companies have got to be wondering what life will be like once they rely on Obamacare for their income. I'd be worried if I were in their position.
In order to get young people to buy the Obamcare Exchange health insurance plans, the Obama Administration dictated to insurance companies a new deadline of December 24, Christmas Eve, for policies to be effective January 1. At the same time, over the weekend the President went through a botched PR rollout of his own, enrolling in the DC Exchange. These games will continue, and probably become worse, once the law is in full effect next week.
What have we done? Let me start by saying that I do not believe we didn't have problems with the health care system in America prior to ObamaCare - we did - big problems. But, what I want this post to highlight is what we have done, in order to solve the problems. When I say "we" I actually mean them: Democrats, Barack Obama and every technocrat and central planner who decided it would be a good idea to try to "fix" a system which was providing affordable access to care for over 94 percent of Americans.
The third party payer system (employer based coverage) has disguised actual health care costs from consumers since its inception during World War II. It's a left over product of price controls, implemented primarily by progressives, and is one of the chief factors in the rise of health care costs.
ObamaCare was supposed to fix rising costs and address these issues through private "marketplaces," also known as state exchanges, and provide affordable care for the 46 million Americans reportedly without health insurance. Keep in mind, health insurance doesn't equal access to care.
First, let's take a look at that number, the 46 million without insurance. In 2009, FreedomWorks did an analysis of who is actually without coverage in America. I encourage you to read the entire report.
The primary conclusion of the detailed report was that around 16 million Americans, or roughly five percent of the population struggled to either afford health insurance, or were not eligible and already covered under a private plan or public plan. That's a number far lower than the 46 million the Obama Administration touted during the push for the "Affordable Care Act.
The hubris of the Left has destroyed your options. Their conceit, their belief that you shouldn't have liked your plan to begin with will eventually rob you, and your family of any choice you had to make health care purchases based on what you and your family need and can afford, if it hasn't done so already. Yes, the smartest guys in the room, the technocrat knows best. Except, they don't. More Americans could actually lose coverage than gain it under this law.
"They have an unfailing belief in their technocratic brilliance."
What have we done? Let me start by saying that I do not believe we didn't have problems with the health care system in America prior to ObamaCare - we did - big problems. But, what I want this post to highlight is what we have done, in order to solve the problems.
On today's edition of the FreedomCast, Charles Cooke joins me to discuss the numbers game that the Obama administration is playing with ObamaCare enrollment, how expanding Medicaid may sound compassionate but has not proven to enhance health or longevity for its recipients, and why the smartest guys in the room keep getting it wrong.
Related Links:
How many are really uninsured? The FreedomWorks Issue Analysis from 2009
Humility vs. Conceit - Will Cain
Have a suggestion for an upcoming FreedomCast episode, or a comment? Send it to me on twitter @KristinaRibali.
Subscribe to The FreedomCast on iTunes here.
Follow FreedomWorks on twitter and on Faceboook.
Follow today's guest, writer at the National Review @CharlesCWCooke on twitter.
Our podcast is fabulously produced by @BradWJackson.
On today's edition of the FreedomCast, Charles Cooke joins me to discuss the numbers game that the Obama administration is playing with ObamaCare enrollment, how expanding Medicaid may sound compassionate but has not proven to enhance health or longevity for its recipients, and
During the Obamacare sales pitch we heard from President Obama that "If you like your insurance you can keep it," but Americans have been finding that the reality is far, far and away from what the President promised. First let's rewind the tape back to 2009 when the Obama Administration was spoon-feeding us the wonders and joys of the coming Obamacare utopia.
Remember, "If you like your plan, you can keep your plan."
A 56-year old woman in Florida told CBS news this week that she cannot keep her plan and in fact the new one will cost ten times what she currently pays. Ten times!
"When I got this bill, I was outraged," CBS quotes a 56-year-old Florida resident who got dropped from her health care plan.
Her new plan will be 10 times higher than what she's paying now, jumping from $54 a month to $591.
"What I have right now is what I'm happy with, and I just want to know why I can't keep what I have," says the woman. "Why do I have to be forced into something else?"
Don't forget, "If you like your insurance plan, you will keep it. No one will be able to take that away from you."
Let's take a look at how many people have not been able to keep their plan, because that poor woman in Florida is not an isolated case.
David Hogberg did a tally of those who have lost their plans so far, however, as he notes, this is not an exhaustive list.
But how many people have received these notices? Let's do a tally:
-800,000 in New Jersey.
-119,000 from Blue Shield in California.
-160,000 from Kaiser in California.
-300,000 in Florida.
-24,000 in Philadelphia, Pennsylvania.
-13,000 in central and eastern Pennsylvania.
-76,000 from CareFirst in Washington, D.C., Maryland and Virginia.That adds up to 1,492,000 cancellations. And that number is low as similar cancellation notices have gone out in Alabama, Georgia, and North Carolina. We also know that Humana has cancelled policies in Maryland. Unfortunately, no numbers are available thus far in those cases.
But wait, "If you like your insurance you can keep it."
This estimate of roughly 1.5 million Americans being cancelled may just be a drop in the bucket though. A doomsday scenario puts the potential total of Americans who could lose their individual insurance plan at 16 million people. Now that may be a little high, but you get the point. This panacea of health care affordability has turned out to be anything but that for millions of our fellow citizens, and the tally is just beginning.
Millions of Americans have been hurt, not helped by Obamacare.
But we were promised! "Let me be exactly clear about what health care reform means to you. First of all, if you've got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you."
Turns out that the Obama Administration knew this wasn't true all along. That's right, they knew that because of new requirements under the ACA that as many as 67 percent of individuals who purchase their own plans would not be able to keep them. In other words; they lied.
Rusty Weiss, a fellow blogger here at FreedomWorks, has done a great job of cataloging the damage caused by Obamacare in his Obamacare Job Graveyard. Thousands of Americans have already lost their jobs because of the President's signature legislation. Thousands more have had their hours cut so they can fall under the 30 hour mark set as the level where employers must begin offering health care coverage under law.
Now we find out that President Obama knew what he was saying all along wasn't true. You were never going to be able to keep your plan. Once again, we told you, but it doesn't feel a bit good to be right.
During the Obamacare sales pitch we heard from President Obama that "If you like your insurance you can keep it," but Americans have been finding that the reality is far, far and away from what the President promised. First let's rewind the tape back to 2009 when the Obama Administration was spoon-feeding us the wonders and joys of the coming Obamacare utopia. Remember, "If you like your plan, you can keep your plan."
The broken promises of ObamaCare are almost too many to count. We've seen ad nauseum the clips of President Obama stating, "If you like your health care plan, you can keep your health care plan." Anyone who knows simple economics knew, even before seeing numerous reports of dropped coverage, that simply was never going to be the case.
The headlines are finally becoming saturated with the realities of ObamaCare, and the liberal talking heads are doing their best to now spin the president's remarks. They've pivoted from you being able to keep your health care plan to claiming that you really shouldn't have liked what you had, because it wasn't what the government prescribed.
Josh Barro stated in a recent piece for Business Insider:
"One of the key reasons that America needed health care reform is that a lot of existing health plans were bad. There are a lot of health plans that Americans shouldn't be able to keep."
Yes, that's right...you shouldn't be able to keep. Because government knows best? Talk about a bait and switch. Is that what the American people were told by Obama, or anyone else trying to sell the Affordable Care Act? No. What if you actually did like your plan? Too bad.
Natalie Willes, a sleep consultant in California who buys her own insurance stated in a recent interview with CBS news:
"I was completely happy with the insurance I had before," Willes said.
When she tried to renew her policy through Kaiser Permanente, she found out that her plan had been terminated since it was not ACA compliant.
"My insurance was going to be completely different, and they were going to be replaced with 10 new plans that were going to fall under the regulations of the Affordable Care Act,"
It's okay that the government took her plan, because she could have ten other plans to choose from right? Yay, the government is giving her more choice, right? Sure. Choices she didn't want or need. But maybe the government knows best and can give her more affordable plans as promised by the president ? Right? No. Willes stated:
"Before I had a plan that I had a $1,500 deductible. I paid $199 a month. The most similar plan that I would have available to me would be $278 a month. My deductible would be $6,500 dollars, and all of my care after that point would only be covered 70 percent."
The cheapest plan now available to Ms. Willes will cost her as much as $5,948 more a year and cover less treatment once she's met her deductible.
Dean Clancy, Vice President of Public Policy for Freedoworks appeared on CNBC the other night, also pointing out the bait and switch:
Back to Barro... He goes on in his piece to note that some of the plans that are being dropped had small lifetime limits, and could leave people footing the bill in the event of a major illness. Does Barro know what people's finances are? What if they're able to pay for other expenses with savings or investments? Does he know what assets they have, or what their other options in the event of a health care crisis would be? No, and neither do bureaucrats in Washington DC who have chosen to take these affordable plans away.
When policy payers choose their plan, they do so because it is the one that most fits their needs, as well as their budgets. Now government is mandating plans that far exceed what many people need, or can afford.
In recent years, fewer health care plans have been brought to market for the most part because of mandates and stifling regulations, not because people didn't want alternatives. The plans that were meeting the needs of millions, like HSAs (health savings accounts) and high deductible catastrophic plans, will largely be priced out of the market and destroyed under ObamaCare. The answer to Barro's concerns are not going to be found in ObamaCare exchanges, which provide little choice, or by taking over once sixth of the US economy with this monstrosity of a law. The answers are largely going to be found in real reforms that offer choice, competition, and address the real problems regarding subsidizing care.
If nothing else, the failure of ObamaCare shows that once again technocrats have no idea what the masses want or need, nor can they provide it to them at a cost the masses can afford.
The reality of ObamCare is that more people could actually lose coverage than gain it through exchanges. Oh sure, we're going to push millions onto Medicaid, and some who had pre-existing conditions will get coverage, but the promise of affordable health care for everyone was never anything more than a lie to buy votes.
The end result, unfortunately will be the destruction of our health care system in its entirety to provide terrible care under Medicaid and force young, healthy people into a system to buy a product they didn't want, or need, or could afford.
Well done Mr. President, well done.
Photo credit Forbes.com
The broken promises of ObamaCare are almost too many to count. We've seen ad nauseum the clips of President Obama stating, "If you like your health care plan, you can keep your health care plan." Anyone who knows simple economics knew, even before seeing numerous reports of dropped coverage, that simply was never going to be the case.
In his effort to try to convince Americans that the Affordable Care Act was going to be affordable, and that benevolent big government cared, President Obama exclaimed, "If you like your health care plan, you can keep your health care plan. Period."
We are not even two weeks into the implementation of the state exchanges, which are part of the president's signature health care law, but even long before now millions of Americans began finding out that they cannot in fact keep their health care plans.
Today, I was contacted by another victim of ObamaCare. Her email to me simply stated "I do not get to keep my plan." She enclosed a copy of the letter she received from her insurance company, BlueCross BlueShield, explaining that her plan was no longer going to be available since it was not in compliance with the ACA.
The letter goes on to state that though her out of pocket costs will go down, her monthly premiums will increase. She shopped online through their website, and the statement in the letter about costs was only half true. Her premiums will in fact increase, but so will her deductible and out of pocket costs.
The options posted today are far less affordable than what she had before. For a plan covering much of what her previous plan covered with a $3500 annual deductible, she will now pay $180 a month. Just a few short months ago she paid $350 every three months for a plan with more coverage and a $1500 annual deductible. The cost increase is a staggering 95.1 percent. If she actually gets sick or has to go to the hospital, she could be paying $5,660 a year, that's $2,760 more than the year before.
"I can't afford that," she responded when I did the math with her during our phone interview.
"That's almost 15 percent of my take home pay. I'm going to be paying almost double for a plan I doubt I'll even use. They told us this law was going to help insurace be affordable. They lied. I'm being responsible and paying for my own care and I don't know how long I'll be able to afford to do that now."
She's a 32 year old healthy female with no pre-existing conditions, and has been paying for her own health insurance since she graduated college. As a research assistant who works on contract, she does not have an employer sponsored plan. She shopped for the plan that best fit her needs, and her budget, and she had one, but now it's gone.
ObamaCare is hurting the very people it was supposed to help. ObamaCare relies on the young and healthy to buy plans they may not even need and can't afford, in order to subsidize the costs of health care for older, sicker Americans. Even if she signs up for a state exchange, there's no guarantee the subsidy (around $30 per month) will come anywhere close to covering the increased costs.
When asked during the interview if she'd continue paying for her own care she responded,
"Look, I want to continue to be responsible and pay my own way, but I'm only going to be fined $95 if I don't have health care right? I can also opt in after I'm sick because they can't deny someone with pre-exisiting conditions. Who would pay these rates for insurance they may never need?"
Exactly. ObamaCare is filled with perverse incentives, and yes, incentives matter. Instead of crafting health care legislation which increased competition, reduced costs and offered high risk pools for those with pre-existing conditions, Democrats in Congress passed a law that raises rates and encourages people to make less money in order to get free goodies from the government.
Bravo Mr. President, bravo.
Follow Kristina Ribali on twitter for updates and more health care news.
In his effort to try to convince Americans that the Affordable Care Act was going to be affordable, and that benevolent big government cared, President Obama exclaimed, "If you like your health care plan, you can keep your health care plan. Period."
There will be an attempt, and probably a concerted effort, to attack as selfish and even unpatriotic people who do not wish to participate in Obamacare. If people choose to behave rationally and react to perverse incentives, expect the Left to cry foul.
But as long as the wrong-headed and unjust law continues to remain in effect, all of us, one way or another, will be forced to endure the consequences. The only questions are how we can protect ourselves from it, and how much blame we're willing to accept for the damage it causes.
Predictably, we're now seeing it more: leftists are blaming corporate greed for employers cutting hours and changing operations in response to Obamacare. But as young people refuse to waste their money on the overpriced and overly restrictive Obamacare insurance, they too will come under attack.
UPS will be dropping some spouses from the health insurance plans of 15,000 employees, saving $60 million per year. The company is doing that as a direct result of a specific provision of Obamacare and a decision by the IRS that the definition of "affordability" for employer-run plans includes only the employee, not the employee's family.
But according to the memo announcing the move,
We believe your spouse should be covered by their own employer -- just as UPS has a responsibility to offer coverage to you, our employee.
Spouses not offered coverage by their own employer will continue to be eligible.
That doesn't sound like greed. That sounds like a company responding to government incentives. As Ben Domenech wrote in The Transom Friday, (lightly edited):
Professor Richard Burkhauser at Cornell figured this all out almost two years ago – along with the possibility that this will lead to all sorts of impacts on employers down the line. So the IRS had to rule on the issue. They did so in January, and they opted for the "more fiscally responsible but less coverage" option – but one which angered liberals, because they knew it would lead to more workers receiving individual-only coverage.
Companies have a legal responsiblity to their shareholders to maximize return on investment. The board of UPS could be sued by shareholders for failing to take advantage of all means to maximize return, and $60 million per year is not an amount that can be ignored.
Unfortunately for the purveyors of the "corporate greed" spin, universities, school districts, local and municipal governments across the country are also dropping employees down to part time status to avoid penalties associated with Obamacare. These entities are not subject to "corporate greed", being government organizations.
This is all par for the course: leftists push a policy such as the minimum wage or a tax increase. When it is implemented, the market reacts in ways that are utterly predictable, but also in other ways that are unforeseen, in an attempt to maximize efficient use of scarce resources. Leftists then blame the market players, especially for the unintended consequences.
Avik Roy writes in Forbes about one such dislocation, at Delta Airlines, which is looking forward to paying an additional $100 million next year, when Obamacare kicks in.
Individual young people are going to be assailed as irresponsible or as not caring about their fellow man for refusing to buy overpriced health insurance.
Even with the Obamacare subsidies, if they're available, the price for a policy with a deductible may be in the neighborhood of $150 per month. Why should a young person use their last $150 every month to pay for insurance, when all that it may buy them is $10 worth of contraception? When they go to the doctor, they still have to pay 40% of their bills, up until their $3250 deductible is met. Most of them won't ever meet the deductible -- but they still have to pay the premium. It's not rational.
For those who can afford it and have the medical expenses to justify it, health insurance is a useful way to pay ahead on medical costs. But if you can't afford it and don't often get sick, don't accept being labeled as irresponsible. Save your money. It makes no sense to pay for something you probably won't use when you can opt in after if you need to.
http://money.cnn.com/2013/08/21/news/companies/ups-obamacare/index.htmlThere will be an attempt, and probably a concerted effort, to attack as selfish and even unpatriotic people who do not wish to participate in Obamacare. If people choose to behave rationally and react to perverse incentives, expect the Left to cry foul.But as long as the wrong-headed and unjust law continues to remain in effect, all of us, one way or another, will be forced to endure the consequences. The only questions are how we can protect ourselves from it, and how much blame we're willing to accept for the damage it causes.
Hipsters have a problem.
Well, a few problems. The Postal Service reunion was somewhat less than the spectacular event they expected. Urban Outfitters has not yet predicted the decline of the high-waisted, butt-exposing Jorts they've been pushing all summer. That Tumblr about Hot Dog Legs is still getting more hits per day than their David Bowie facial paint fan site. But most importantly, they're absolutely necessary to the continued success of Obamacare's health exchanges and they just won't cooperate.
Robert Bauer is young, lean and healthy - just the kind of person the government wants to buy into its new online health insurance marketplaces.
Bauer doesn't see the need. The 24 year old, a 2011 graduate of the University of Minnesota, works in organic farm fields three days a week, and prides himself on eating well. He's uninsured - health coverage just hasn't been part of his lifestyle....
While Bauer generally doesn't fear a health crisis, the people building insurance exchanges worry about Bauer and the millions of other healthy Americans whom they fear may simply opt out. The marketplaces are a key part of the federal Affordable Care Act, also known as Obamacare. Younger, low-risk people are needed to offset the costs of covering older, sicker Americans.
"It's important for everybody to participate all of the time and to pay an average amount in premiums so that when something happens to one of us -- we have a baby, we get cancer... that will require thousands of dollars of care, the money is there in the pool," said Karen Pollitz of the nonpartisan Kaiser Family Foundation. (Kaiser Health News is an editorially independent program of the foundation.)
To put it in a way that hipsters might understand (or, sort of), these exchange zombies are in desperate need of brains, and the delicious, supple gray matter of the young is required to feed the insurance exchange monsters in order to give the monster the capacity to also consume the worn out, liquidy brains of our geriatric parents. If that isn't clear enough; in order to have any financial viability, the exchanges require that young, healthy, easy-to-insure people are contributing into the system to compensate for the cost of insuring the old and the permanently disabled, and those with pre-existing conditions who were kicked out of the insurance pool before because their medical bills were unsustainable for most insurance companies.
Forbes nicknamed the desperate attempts by the Obama Administration to convince young people that buying into the exchanges - even if they are prohibitively expensive - the "War on Bros." In fact, Obamacare only works if more people are actively paying into the system than taking money out, otherwise, insuring every single American becomes unsustainably costly - which is, of course, passed on to both consumers and taxpayers. As Forbes found out, an unmarried, childless 25-year-old male sees almost no benefit to buying into the health care exchanges (in fact, it's far cheaper to buy private insurance now and pay the fine for not having insurance later), but the system as a whole benefits.
The greater problem, as Kaiser found, is that young people see health care as too expensive for its respective value to their lives. Even if it costs only a small amount, most Americans under 35 see little advantage to buying into the system as opposed to, you know, buying a roomful of vinyl and a small collection of vintage band tees. That might be a theoretically dangerous position to have, but our understanding of basic freedoms means that they're free to choose the more dangerous option, and it turns out, they're exercising that choice.
Now the Administration is faced with courting hipsters and convincing them that paying for their parents' state-run nursing homes is valuable. And despite all the information they had on hand to convince young Americans to vote for their favored candidate, they seem remarkably tone deaf once plopped down into this new landscape. Their first effort? Trying to get nagging moms on social media (even moms that weren't technically theirs) to harangue them into visiting the Administration's health care fact sites.
Strangely, young, independent people found that to be less than convincing.
Their next effort? Going where they thought the hipsters would be, from inside Porta-Potties at Portland's summer music festivals (they quickly discovered that primary concerns involving not touching anything and not dropping your concert stash in a public toilet superceded concerns about health care exchanges) and those recyclable paper sleeves they put on coffee cups (no one saw them). Now, they're sponsoring a music video contest which is sure to end well.
The Obama Administration has forgotten one key element of youth culture: they don't want to do what their parents tell them to do. Try as you might to sneak it into Saturday night club mixes and ironic slogan tee shirts, Obamacare is the establishment's solution to something hipsters don't see as an establishment problem. And, in the end, that $100 a month makes far more sense as six cases of PBR than as a payment to Cover Oregon.
Hipsters have a problem.


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Sprint & Verizon to ride the patent gravy train
Sprint Nextel and Verizon Communications both see an opportunity to make a buck on their IP telephony patents after successfully suing Vonage Holdings last year.
On Thursday, Sprint Nextel said in a U.S. District Court in Wichita, Kan., that it was suing four small phone companies. Sprint alleges that Nuvox Communication, BroadVOX Holdings, Big River Telephone, and Paetec Communications are infringing on six of its patents.
Those patents, part of a larger portfolio of patents that cover voice over IP technology owned by Sprint, are the same ones used to successfully sue Vonage. The two companies eventually settled the … Read more


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Dutch's Spirits plans to open a distillery on the site of a Prohibition-era bootlegging outfit in Pine Plains, NY. WSJ's professional wanderer Jeff Bush explores the ruins of the bunker, thought to be part of the operation of gangster Dutch Schultz.
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Fifteen years after the first Africa Cup of Nations semi-final of their history in 1998 at home, Burkina Faso have once again made it into the final four of the continental competition.
The Stallions beat Togo 1-0 in the quarterfinal on Sunday evening in Nelspruit thanks to a Jonathan Pitroipa goal in extra time, and before that had ended first in their group which comprised amongst others Nigeria and Zambia, the current African champion.
It is therefore quite an astonishing feat that Paul Put's men have accomplished so far, given that no one would have predicted to see the Stallions still alive at this stage of the competition.
Although Burkina do not always shine offensively, since the injury of their star striker Alain Traoré against Zambia, they provisionally possess the best defence of the tournament, having conceded only a single goal in their first match against Nigeria.
And for Burkina midfielder Charles Kaboré, the Stallions are where they belong in this semi-final group.
"We have worked hard to get here. The technical staff, the directors, gave a lot of themselves. Everyone invested in it. And if we are here today, it's because we deserve it," stated the Olympique Marseille player to an RFI correspondent.
Burkina will be up against the Black Stars of Ghana on Wednesday in Nelspruit in the semi-finals and for Kaboré, this hurdle is not insurmountable.
"We are going to have to give the best of ourselves, go to battle. They have very good players who play in the big championships.
"But we have to stop thinking of others and rather about ourselves. It has to be said that we also have a quality team and that if we want to, we can do something big," added the defensive midfielder.
Source: MTNFootball.com
Thats the spirit….respect but don't fear!
Ghana should watch out in today's match. Because we have been losing our entire 5th match starting from 2008 when playing a tournament. In AFCON 2008 hosted by Ghana, we were trash by one (1) goal to nil by Cameron. (07/02/2008) That was our 5th match. In AFCON 2010 hosted by Angola we lost to Egypt by one (1) goal to nil in the final after Togo were pulled out in the group stage. (31/01/2010) That was our 5th match. In South Africa 2010 World Cup we lost to Uruguay on penalties. That was our 5th match. (02/07/2010). Just last year in Equatorial Guinea/ Gabon we lost to Zambia by one (1) goal to nil. That was our 5th match of the tournament. (08/02/12). We have lost four (4) continues tournament and today is the 5th time in our 5th game. As we are looking forward for our 5th Nation Cup trophy. Are we going to stop this history or history is going to repeat itself..???? Hmm we are behind you BLACK STARS. GO BLACK STARS GO….
Compiled by Donny MacLicking>>>>+233241659194 for more details on history..Text don;t call
Charles Kabore you have done something big. You made it to the semi finals now it is time to go home and let the big boys play.


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Seven Hells Ride: Bike Over SF's Harshest Hills
This is our Bike About Town column, which appeared in the SF Chronicle.
Many cyclists in San Francisco go out of their way to avoid the city's famous hills. Daniel Reider, 53, goes out of his way to ride them.
Reider invites cyclists to join him July 23 at the annual Seven Hells of San Francisco ride.
"It's not for beginners," Reider says. "In spite of it being a hard ride, this is the fourth year I've done this, and each year the group doubles in size."
The Seven Hells ride began when a handful of Reider's friends wanted to try a few hills with him. A bike commuter for 15 years, Reider knows the city's hills well. While some people hit the hills for weekend fitness and training, Reider takes them on the way to work.
Reider's addiction is contagious. Through word of mouth, the group of friends interested in Reider's hill obsession began to include strangers, so Reider made an event out of it. The Seven Hells route was born.
Bring your own water (lots of it) and snacks. Also, bring your granny gear.
"Granny gears are absolutely necessary," says Reider, who says there's a 30 to 40 percent attrition rate on the ride each year. "This is for strong riders with some hill experience. You don't have to be a professional cyclist, but you should be very willing. If you can't go straight, you can weave. It's not about killing yourself. We will wait at the top for you."
The 30-mile ride begins at 10 a.m. (meet at the Panhandle statue on Baker Street, between Fell and Oak streets) and ends at 2 p.m. It links seven of San Francisco's most famous hills: Twin Peaks, Mount Davidson (Reider's favorite, because it is "dark and long and scary"), Diamond Heights (new to this year's course), Castro Heights, Russian Hill, Nob Hill and, finally, Divisadero Street.
Reider adds extra-credit hills for "extra spiciness." One of them, he says, is "the most horrible of them all. Right before the top of Divisadero, you can go up the sidewalk on Broderick, which has a 38.5 percent grade. Only three of us made it up last year."
And that right there is why so many want to do this ride: bragging rights. It isn't any fun to do this sort of thing when no one is looking (unless you're Reider). Reider says it's best to ride in a group for support. He also says he ends on Divisadero because tourists typically cheer as the Seven Hells riders crank up the hill.
"Last year a sports drink company randomly had a van parked at the top of Divisadero," Reider laughs. "So random. They gave us drinks. It was perfect timing."
At the end of the ride, everyone heads to Mojo Bike Cafe on Divisadero Street for beer and survival stories.
Now, before you go commenting on how the route doesn't include the steepest hills in San Francisco (according to Reider, everyone has an opinion on this matter), Reider says this isn't just about the steepest hills. It's also about the longest hills.
"People will say XYZ street is the steepest, I go check it out, and the hill turns out to be really easy because it was only about 20 feet long. It was like riding up a driveway," Reider says. "It's more fun finding these long, steep secret slopes. I don't think the people who suggest steeper hills have really tried those hills."
San Francisco Bicycle Coalition recreational rides are free for SFBC members (a $5 donation from non-members is appreciated). Rain will cancel the ride. For more information, go to www.sfbike.org/?chain.
Bike About Town is presented by the San Francisco Bicycle Coalition, a 12,000-member nonprofit dedicated to creating safer streets and more livable communities by promoting the bicycle for everyday transportation. For more biking resources, go to www.sfbike.org.


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great trade for the Marlins. Reyes and Buehrle did **** last year and the Marlins needed to dump them. As for the Blue Jays being at the top...yeah right. It'll be Baltimore and New York again. The Red Sox will fight the Blue Jays in the cellar.
Fred's Fanatics- Member Fans of Fred Hoiberg and the 2013-2014 Iowa State Cyclones. Copy and Paste to Join. Denver Broncos fan: 13-3 Super Bowl Losers :( Arsenal Fan: 2nd place Iowa St: 20-5
how this deal was made and Anthony Gross nor D'Arnaud weren't included is crazy. Complete salary dump by the Marlins, and that city and team should be rioting after they paid for that stadium, but that would have to mean somebody cares about the Miami Marlins. Miami got a few nice pieces, but Josh Johnson when healthy (i know, i know) is one of the best in the league, Reyes is declining but still an All-Star, Buhrle will give you 200+ innings with a positive WAR and win another gold glove and John Buck is going to get flipped for a second basemen or starting pitcher. The AL EAST is goign to be a clown show next year.
The one constant through all the years, Ray, has been baseball. America has rolled by like an army of steamrollers. It has been erased like a blackboard, rebuilt and erased again. But baseball has marked the time. This field, this game: it's a part of our past, Ray. It reminds of us of all that once was good and it could be again. Oh... people will come Ray. People will most definitely come.
Originally Posted by kberyldial Blue Jays add over $40 million in payroll in a division with upstart O's, Yankees, Rays and I guess the Red Sox. Yeah, nice move. I wonder if these reports are accurate anyway. I'm pretty sure Buerhle has a no trade clause and I'd be shocked if Reyes didn't. Per SI.com: The swap was easier for the Marlins to swing because of their longstanding policy of refusing to include no-trade clauses in contracts. Read More: Source: Marlins trade Josh Johnson to Blue Jays - MLB - SI.com
Baseball does not and will not work in Florida (pro football barely does).
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ANAHEIM, Calif. -- The Anaheim Ducks have acquired centre Mathieu Perreault from the Washington Capitals in exchange for minor leaguer John Mitchell and a fourth-round pick in next year's draft.
The teams announced the deal Sunday.
Perreault has played in 159 games with the Capitals, scoring 70 points with a plus-17 rating. He has won 51.2 per cent of his faceoffs.
Perreault began his career in Washington playing for Ducks coach Bruce Boudreau, who also coached Perreault in the AHL.
Perreault will be a restricted free agent after the season, but could find a solid role in Anaheim. He will compete for playing time at centre with Nick Bonino, Peter Holland and Saku Koivu.
Mitchell is a left wing who spent last season with the Ducks' AHL affiliate in Norfolk.
Martin St. Louis is a Ranger, Matt Moulson is a member of the Minnesota Wild and the Montreal Canadiens have Thomas Vanek. Look back at all the big name deals that went down.
Complete Trade List
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Category:Raff, Joachim
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Joachim Raff
(27 May 1822 — 24 June 1882)→
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The only reason I didn't give this product 5 stars was because the lotion was just ok. However, I really bought this item for the fragrance, which is wonderful. I can't say enough great things about the fragrance. I get compliments when I wear it. It's become my everyday scent. I got this as a sample and found that I couldn't do without it.
The really shocking things are I am allergic to most perfumes and even if I managed to find a scent that didn't make me sneeze, I have never spent as much on a perfume in my life! I'm so happy that I bought this . I feel alluring when I put it on, not stuffed up and sneezey (for the first time ever). Even though money is tight, I don't regret purchasing this item. It was worth every penny.
This is by far the best perfume I have ever used. It can be used for any occasion, whether casual or formal! I am using it on a daily basis and am not growing tired of the smell. This will probably be my "go-to" scent for a long time to come...
I never thought I'd buy a "woodsy" perfume but this product is the perfect balance of outdoors-y smells that are clean and fresh to boot!
I gifted this perfume set to my mom for Christmas and she loves it! The scent is amazing and I'm so glad I got the sample in my box!
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Had so many compliments when I wore it. It is very subtle and can be worn either casually, during the day, or for that hot date.


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SOF Live! Krista in Conversation with Robert Wright
February 2nd, 2010 ~ 7:00–8:30 pm CST
Cowles Auditorium, University of Minnesota HHH Institute (get directions)
» watch online | » RSVP by emailing firstname.lastname@example.com
We will be live-streaming video of Krista's interview with New York Times best-selling author, Robert Wright. He's the author of The Evolution of God, Nonzero: The Logic of Human Destiny, The Moral Animal, and Three Scientists and Their Gods. Professor Michael Barnett will moderate the question-and-answer session with our in-house and online audiences. The program will be followed by a reception in the Humphrey Center atrium.
We will start broadcasting video of the event at 6:45 pm CST, 15 minutes before the start of the interview. If you plan to attend in person, please RSVP by sending an email to firstname.lastname@example.com. There's a hard start time of 7 pm for this event. And, please stop by and say hello!
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The Lodi Police Department arrested one driver on suspicion of drunken driver and cited five others for operating either an unlicensed vehicle or for driving with a suspended or revoked license, police said.
The arrests and citations took place during a DUI/driver's license checkpoint between 7 p.m. Saturday and 2:30 a.m. Sunday in the 1000 block of South Cherokee Lane.
Police reported that 605 vehicles were screened at the checkpoint, and six field sobriety tests were administered. Three drivers were suspected of being unlicensed, while two others allegedly had a suspended or revoked license. Four vehicles were towed away and impounded.
Checkpoints are placed in locations that have the greatest opportunity for achieving drunk and drugged driving deterrence and provide the greatest safety for officers and the public, according to Lodi police Sgt. David Griffin.
The DUI/driver's license checkpoint lowers DUI deaths and injuries, Griffin said.
According to the National Highway Traffic Safety Administration, checkpoints yield cost savings of $6 for every $1 spent.
The checkpoint was funded by a grant from the California Office of Traffic Safety, through the National Highway Traffic Safety Administration. Anyone who sees a suspected drunken driver may call 9-1-1.


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STEPS TO OBTAIN A DOMESTIC VIOLENCE PROTECTION ORDEROR A 50C ORDER1. Go to the 11th floor of the Wake County Court House, Civil Clerk of Court, and the Domestic Violence Unit and obtain a Domestic Violence Protection Order (DVPO) and complete it.
2. Go to courtroom 9A and give your paperwork to the Deputy working that courtroom. The Deputy will give it to the clerk in the courtroom.
3. The Judge will call you to the stand, and you will be sworn in to testify about the complaint you have just filed.
4. Once the Judge signs the paperwork, go back to the 11th floor. The Domestic Violence Clerk will make copies of your order, and it will be clocked in.
5. Go to the Victims Services Unit of the Wake County Sheriff's Office, Room 408, Wake County Office Building, 337 South Salisbury Street, Raleigh. A Deputy will process your paper work and answer any other questions that you may have.
Your order will then be sent out in the field for service on the defendant.
Questions? Call 919-856-5623.


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Students are given the challenge to create a business idea and submit it to a panel of judges comprised of University professors and experts in business and entrepreneurship. Students with the most innovative ideas and business proposals will be awarded cash prizes and recognized at our awards ceremony, where they will get to connect and network with other high school students from across New Jersey who are creative and innovative, as well.
The perks:
1. Recognition for your original idea at FDU's annual awards ceremony
2. Prize money and awards (over $13,500 available in cash prizes)
3. Publicity through traditional and social media
4. Looks great on your resume and college application!
5. You may be eligible for extra credit at your school
Northern New Jersey Southern New Jersey
Bergen, Passaic, Sussex, Morris, Essex, Warren
Winner-$500 plus a prize from the New York Jets
4 finalists-$250, 8 Semifinalists-$100
Central New Jersey
Hunterdon, Somerset, Union, Middlesex, Mercer, Hudson
Winner-$500 plus a prize from the New York Jets
4 finalists-$250, 8 Semifinalists-$100
Atlantic, Burlington, Cumberland, Cape May, Camden,Gloucester, Monmouth, Ocean, Salem
Winner-$500 plus a prize from the New York Jets
4 finalists-$250, 8 Semifinalists-$100
Gateway Group One, The New York Jets, AT&T, Actavis, Gearhart Law, and FDU's Institute for Sustainable Enterprise
Northern Region (Bergen, Essex, Morris, Passaic, Sussex, Warren counties) Semifinalists Finalists
Jihoon Choi, Livingston High School – The Biolight Bulb
Nathan Gupta and Sahil Parikh, Academy of Math, Science & Engineering – Steering Away from DUI's
Tina Jagtiani, Northern Valley Regional High School at Demarest – Can't See It? Hear It!
Scott "Scooter" Lingle, Ridgefield Park High School – Smart Fish Feeder
Donald Chisholm, Jr., Ridgefield Park Junior Senior High School– SFS: Safety Foam System
Huda Gohar, Passaic Valley Regional High School – Alzheimer's Awareness Suited Just for You
Fred (Seung Woo) Kim, Livingston High School – Preview Mirror
Kaitlin Kupferschmid, Northern Valley Regional High School at Demarest – RunMaster
Thomas O'Connor, Park Ridge High School – Collextor.com
Leanne Shen, Bergen County Academies – Share-A-Ride to BCA
George Taishin, Ridgefield Park High School – Self Gym System: Powering Your Workout
Jelanie Vasquez, Bergen County Academies – DecomposaBags: Eliminating Stink, Helping the Environment
Jiajing Wang, Pope John XXIII Regional High School – The Natural Enemy of Insects
Central Region (Hudson, Hunterdon, Mercer, Middlesex, Somerset, Union counties)
Michael Armstrong, Cranford High School – Emergency Light
Nikhil Patel, Scotch Plains Fanwood High School – Drive2Live with Road Mode
Sarah Ross, Cranford High School – Patient Friendly Bottle Cap
Kaitlyn Schujko, Ewing High School – Visual Connections
John Armstrong and Luke Christiano, Cranford High School– Handicap Helper
Micah Bergstrom, Ewing High School – Hands for the Handicapped
Jason Cabrita, Cranford High School – Statsketball Hoop
Diego Castro, Cranford High School – iPet
Kasey Donahue, Cranford High School – OrganiCare
Rachel Garofola and John Pijanowski, Cranford High School – The Trash Talker
Tim Lisowski and Mike Palumbo, Cranford High School – MagicWrap
Jack Shapiro, Cranford High School – Focus Filter
Southern Region (Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Monmouth, Ocean, Salem)
Matthew Bailey, Point Pleasant Borough High School – Trak Pack-The Better Backpack
Paige Kristensen, Point Pleasant B. H.S.– LemonAID:When Life Gives you Lemons, Make LemonAID
Matt McLeod, Washington Township High School – LaceLock
Olivia Zitarosa – Point Pleasant B. H.S. – SmartHome: Designed for Retirement and Disabled Centers
Pearis Bellamy, Cherokee High School – House of Hydroponics
James Cardone, Point Pleasant Borough High School – Corner Organics-Organic Agriculture of the Future
Madison Emery, Point Pleasant Borough High School – Children First-Bringing School to the Kids
Sabrina Hammell, Point Pleasant Borough High School – Clean Water Control Capsule
Samantha Hoplock, Point Pleasant Borough High School – Helpful Helpers for the Special Needs
Sebastian Kressley, Cherokee High School – Craigsafe/
Justin Lek, Cherokee High School – E-Cycle
Joseph Nardone, Marine Academy of Science & Technology–Ocean Thermal Energy for Developing Countries
Nicholas Porter, Cherokee High School – Rent-a-Diner Restaurant
Julia Santacroce, Cherokee High School – The Final Chapter
Winners who increased their prize money (Getting at least 100 Likes for their Business Ideas.)
Thank you for your enthusiasm and participation!!!
Tina Jagtiani (Doubled prize money)
Thomas O'Connor (Doubled prize money)
Fred Kim (Doubled prize money)
Jelanie Vasquez (Increased prize money by 50%)
Jihoon Choi (Increased prize money by 50%)
Leanne Shen (Increased prize money by 50%)
Joseph Nardone (Doubled prize money)
Sebastian Kressley (Doubled prize money)
Matthew Bailey (Doubled prize money)
James Cardone (Increased prize money by 50%)
Special Update!!!
*All winners will get the chance to double their award money using Facebook and social media! The Facebook component of the competition ended at 1:00 p.m. (EST) on April 2, 2013. Thank you for your enthusiasm and participation!!!
Please note: Winners who are unable to attend the awards ceremony (due to spring break field trips) are required to have a teacher or parent/guardian/relative attend and accept their award on their behalf. Due to IRS guidelines and University policy, any winner receiving a cash prize is required to provide their Social Security number. It is the responsibility of both the teacher/advisor and student applicants to notify the student applicants' parents/guardians of this policy.Winners will be contacted via phone for this information.
If you have any questions, e-mail us at firstname.lastname@example.com with "Teen Biz" in the subject line or call 973-443-8842.
We encourage you to enroll in the Online Creativity and Innovation module to receive a certificate. This may help you develop a winning idea, and it looks great on your resume and college application! All competition applicants can participate in this online module at no charge. Let us know if you need financial assistance for any other modules.
Discover Business Teen Camp special discounts:
Regional winners receive full camp tuition, a $510 value!
Semi-finalists and finalists receive $200 off!
Applicants receive $100 off!
Visit www.fdu.edu/bizcamp for details on this popular teen camp.
Connect with us on Facebook.
Take a look at our previous NJ Business Idea Competition winners below!
Past Awards
The 2012 Awards Ceremony took place on the evening of Friday, March 30, 2012, in FDU's Lenfell Hall, in the historic Hennessy Hall/Mansion, followed by the Female Entrepreneur Lecture, given by Kathleen DiChiara, President and CEO of the Community FoodBank of New Jersey.
Northern Region (Bergen, Essex, Morris, Passaic, Sussex, Warren counties)
Regional Winner: Peri Becker, Livingston High School – NutriPlate: The Plate That Measures the Nutrients in Your Food
Rony Edri and Yejean Ok, Northern Valley Regional High School at Demarest – The Multi-Sneaker
Brielle Malanga and Breanna Polewka, Nutley High School – Food Donation Across the Nation
Michelle Silverstein, Livingston High School – Shades of Scenery- Have a Home Anywhere You Wish
Christian Ali and Andrew Romeo, Park Ridge High School – Tech Station
Joshua Cooper, Passaic Valley High School – Sun Phone
Sloan Genzer and Rachel Roth, Livingston High School – Morethanastudent.org
Alexa Moss and Alison Verp, Northern Valley Regional High School at Demarest – Sonic Sleep
Ryan Mountain, West Morris Mendham High School – Crowd Control
Warveen Othman, Ridgefield Park High School – Economically Friendly Toilet: e-Flush
Erika Sarajian and Nan Zhong, Livingston High School – The Gabby Grabby
Ilay Silkov, Bergen County Academies – Green Meter
Central Region (Hudson, Hunterdon, parts of Mercer, Middlesex, Somerset, Union counties)
Regional Winners: AJ Buono and Jeffrey Kaiser, Cranford High School – Vibrating Wi-Fi Smoke/Carbon Monoxide Alarm
Kathryn Jordan, Cranford High School – iBus App
Matthew Ghiretti, Cranford High School – Finger Print Hand Gun Matcher
Devon Green, Ewing High School – Teen Alliance Group (T.A.G)
Nayan Bhat and Vijay Murugan, Bridgewater Raritan High School – Local Listings App
Erica Chiari, Cranford High School –Sugar Baby
William Daly, Cranford High School – Click It Forward
Elizabeth Flatley, Oak Knoll Schoolof the Holy Child– Costume X-change-Making Fun Affordable
Kathryn Hehl and Michael Polyviou, Cranford High School – Cell Freeze
Walter James and Daniel Murphy, Cranford High School – Clean Rails
Erica Kripaitis, Cranford High School – U-Pro
Kayla Piatkowski and Valerie Podbelski, Cranford High School – The Stocker
Southern Region (Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, parts of Mercer, Monmouth, Ocean, Salem counties)
Regional Winner: Keanu Taylor, Timber Creek Regional High School – My Best-Friend (MBF)- The Virtual Therapist
Jake Fine, The Peddie School – CarbStick-The First Tool to Calculate Beverage Carbs
Cassidy Iarussi, Cherokee High School – The Deer Chaser
Joseph Nardone, Marine Academy of Science and Technology – Small Business Internet Liquidation Service
Marc Bagnato, Cherokee High School –The Professor
Mary Elizabeth Bayruns and Elizabeth Patel, Haddon Township High School –Attachable Shoe Inhaler Pocket
Mackenzie Bidwell, Lacey Township High School – Donate Through Colors-"Colure Couture"
Samantha Smith, Washington Township High School – Swap Me
Michelle Swayze, Washington Township High School –Bristle Protein Straightening Iron
Sarah Ranieri, Washington Township High School –ABC Parking
Liam Wall, The Peddie School – The Handheld Genome Sequencing Device (HGSD)
Liam Wall, The Peddie School – GoLocal-Capital for Creators
2013 Winners
2012 Winners
2011 student winners with SCB dean


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Results 1 to 2 of 2
- 09-18-2012, 12:36 AM Thread Author #1
[PREMIUM] Kahel by Pootermobile
The World Of Pootermobile is back at it again! Even though there have been some theme ports from OS6 to OS7, a brand new theme hadn't been released in a long while. And Kahel is a perfect theme to kill that streak of no releases! To start off, Kahel is orange in another language and the color sits well on the eyes. Especially with the orange color not being too overbearing around the theme. All you can think of when using Kahel is smooth and clean. As for some extra goodies in Kahel you'll find the media player skinned as well as some extra native icons for OS7 e.g. Bridge, NFC, Documents To Go. I have also tested out various wallpapers with them theme and most fit very nicely. So what are you waiting for! Grab Kahel for your device today!
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- Media player skinned
Purchase Kahel from the link below
Sandwiches, They're Mammals Too!
Website The World Of Pootermobile | Shirts TWP Apparel
Follow on Twitter @Pootermobile | The World Of Pootermobile on Facebook "LIKE" - 11-09-2012, 06:41 AM #2
Re: [PREMIUM] Kahel by Pootermobile
thanks a lot! you make the best themes! Just bought it


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Ripe cherry and plum flavors lead this balanced red, accented by notes of ground anise and pepper, dried herb, espresso and mineral. Juicy, with a zesty finish. Drink now through 2014. 3,000 cases made. —Alison Napjus
This silky red shows good energy, with racy, balsamic acidity driving savory flavors of tobacco, olive and dried cherry. Offers light, firm tannins and a spicy finish. Drink now through 2016. 12,500 cases made. —Thomas Matthews
Light, racy and aromatic, offering mineral notes of crushed wet stone before delivering beautifully restrained apple, pineapple and citrus flavors that play against a lean, sinewy frame. Has depth. The finish doesn't quit. Drink now through 2020. 217 cases made. —Harvey Steiman
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George Rowlett is one of my favorite plein air painters. His Gallery has put up two videos showing the artist at work painting on the Outer Hebrides and East Kent earlier in March this year. In an older interview the artists said that he tries to paint as fast as he can.
If you compare the pictures of his exhibitions at Art Space Gallery, London you might find that his work gets more and more abstract. He is moving nearer and nearer to the abyss of abstraction and may be one day, if he steps a bit further into the wrong direction, he will fall and crash on Auerbach I guess.


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Highlighting under the radar arts and culture in Birmingham, UK
This is TMRW and BrumNotes Mag Christmas Party looks great this year. Held at the Victoria on Wednesday 21 December it has sets from Calories, Cedar House Band, Bryn Bowen … Continue reading →
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Artist: | Meek Mill |
Title: | I'ma Boss (Remix) |
Featuring: | T.I. , Rick Ross , Lil Wayne , Baby aka Birdman |
Album: | |
Producer: | Jahlil Beats |
Avg Rating: |
Originally included on Maybach Music compilation album Self-Made Vol. 1, Meek Mill's summer single, I'ma Boss returns today in an officially remixed form. Joining the Philadelphia native over Jahlil Beats' bombastic street boardwork are fellow bosses (and hip-hop heavyweights) T.I., Lil Wayne, Rick … Read More


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This Week's Trending Montana Headlines – Week of March 9th
Here's a look at some of the biggest stories trending in Montana
Here's a look at some of the biggest stories trending in Montana
According to YouTube Trends Map, these were the most viewed videos in the state of Montana this week.
After seven years of waiting, no one knew if a sequel to '300' would do the business of its predecessor. And now we have a definitive answer: yes. '300: Rise of an Empire' effortlessly took the number one spot at the box office, proving that America still loves shirtless Greeks murdering each other in slow motion.
Like underwater mines, potholes filled with water pose a threat to damage tires and wheels, and they can wreak havoc on wheel alignment.
If you are an early childhood professional, or if you know some or use their services, this would be helpful.
It's a sure sign that miserable blizzards and frigid temperatures are now behind us. We hope.
Most people in America will turn their clocks forward at 2 a.m. on Sunday, March 9, as Daylight Savings time will officially begin.
I enjoy baking and will spend hours baking on my days off, but my good friend and coworker hates it. In fact, she doesn't even keep flour in her house. The only way she will make a pie is to buy a frozen one from the store and reheat it. I on the other hand, will make both my filling and my crust from scratch.
It's been a full year now that I've been on my kick to build a healthier life for me and my family. I didn't make any drastic changes but slowly swapped some less healthy foods for healthier ones (most times unbeknownst to my family). I also made an effort to get outside every day and exercise a few times a week. I also swapped movies and TV time with my kids for walks in the woods and bike rides on our local bike path.
I thought this was a touching story about human kindness, and we can always use plenty of that, right?
What if medical providers were paid to keep people healthy? That's the idea behind Patient Centered Medical Homes.
Sara Evans has visited the St. Jude Children's Research Hospital twice -- once before she had kids, and once (this past January) after. The most recent visit changed her perspective, she tells Taste of Country.


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Things to see and do - Goderich
Leaving for Canada
Modify the search
Tourist attractions
Tourist attractions Goderich
Results 1 to 3 on 3
Sort by :
- distance
- rating
1 Huron County Museum
Museums and art
110 North St. CDN - Goderich N7A 2T8
Agricultural implements, military artifacts, and furniture, among other items, are on view.
2 Huron Historic Gaol
Architecture, castles and historic districts
181 Victoria St. North CDN - Goderich N7A 2T8
Housed the county jail (gaol is the British spelling) until 1972. Visitors may enter the cells, library, kitchen, laundry room and outdoor yards. The top floor actually served as the courtroom, where sentences were handed out. Constructed in 1901, th..
3 The Waterfront
Architecture, castles and historic districts
Follow West St. from Court House Sq. CDN - Goderich
Grain products are shipped to and from port elevators, and nearly three-quarters of the rock salt from the mine is shipped from here. Small craft berth at the city marina and a fleet of tugboats service entering and exiting freighters. Occupying the ..


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Garlic salt 1 halibut steak 1-1 1/2 cups macadamia nuts
Sprinkle garlic salt on both sides of halibut steak. Place macadamia nuts in zip top plastic bag; crush with wooden mallet. Place crushed nuts in shallow dish. Place steak on nuts; press firmly. Turn once; press firmly again. Place steak in aluminum foil bag. Add favorite vegetables if desired. Cook on well-heated barbecue for 5-10 minutes.
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Skip to content, or skip to search.
Skip to content, or skip to search.
The U.N. predicts that the world's population will reach 7 billion by October, and 10 billion by 2100.
Because he would probably be arrested on bribery charges.
Is Nigerian Syndrome the new Stockholm Syndrome?
Who was responsible for allowing a man on our terror watch list to board a plane with a bomb on Christmas Day? Washington is closing in on some scapegoats.


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Hello Broncos Country! I hope you were able to watch the game on Sunday even though it was at 11:00 a.m. instead of the usual 2:05 p.m.! The season thus far has seen many of our outstanding veterans become injured and unable to contribute on the field. And out of the adversity of this situation a rare phenomenon has occurred; the young players on our team have been given a unique opportunity. For some this may be the biggest challenge they have faced as athletes. Still trying to prove themselves as professional football players, they are being placed in new positions and unfamiliar roles and are expected to perform as well as players with years of NFL experience. This is an immense physical and emotional task, and I think the stakes are higher than many of us realize.
When a rookie makes a team, he knows that he may be a backup to one or two very strong veteran players. His focus for the year is to keep his roster spot by constantly improving. This year the mission at hand for our rookies has become a different one – assuming the roles of veterans and facing some of the biggest talents in the league at short notice. This past Sunday taught me a lot about the spirit and the character of our rookies – they may be new in the league, but when Coach Shanahan put them on the field, they delivered performances befitting our proud Denver Broncos Football Club and justified Coach Shanahan's faith and trust in them. To be a professional football player, it takes more than muscles, speed, and physical endurance – it requires extreme mental strength. No matter how talented an individual may be, if he cannot endure the pressure, stress, and unexpectedness of a game, he simply cannot make it in this league. Sometimes it takes years to acquire the mental toughness needed to succeed in this league, but for our rookies, it is now or never.
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So although the injuries this season have been devastating for our team, they have also given us a glimpse into the future. And I believe that the future holds many years of success for the Denver Broncos!
In a strange way, we can be thankful for the adversity the team has faced this season, because it has brought about remarkable teamwork and dedication. It may sound strange for me to say that we can be thankful for adversity; however, I believe there is a lesson we can learn from this and apply to our own lives. The fact is that we are all bound to face disheartening obstacles and tough times in life and these situations sometimes impede our ability to recall our blessings. With Thanksgiving just around the corner, let's make it a Broncos Country mission to take a moment to appreciate the marvelous things in our lives, by thinking of our family and friends, the memories we have made, and the memories which we still have to make.
Before I go, let me say that I am very thankful for all the awesome fans of Broncos Country. Enjoy delicious turkey and a wonderful holiday! And of course – Broncos are atop the AFC West!!
Happy Thanksgiving!!
Tags: Denver Broncos, Romi Bean


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- 01-26-2013, 04:40 PM Thread Author #1
real or fake? BB10 on the Playbook (pic)
Here is the the link: https://twitter.com/BlackberryScoop/...595904/photo/1
could not upload the pic because the format is not supported. - 01-26-2013, 04:44 PM #2
Something seems shifty with leaks and BBScoop
Samsung Flip Phone(Busted)- >Another Samsung Flip(Tossed Into Camp Fire)- >BB Curve 8300(Sold)- >HTC Dream(Cracked Screen)- >BB Curve 8900 (Been Through Hell, Still Kicking)- >Samsung Omnia 2(Sold)BB Torch9800 (Sold)- >BB Curve 9300(Water Damaged)- >BB Storm(Clicker Broke)- >BB Playbook 16BG (Still Own)- >BB Torch 9810 (Alarm Clock)- >LG Optimus One(Gifted)- >BB Bold 9900(Bricked and Never Came Back)- >BB Zed10(Retired)- >BB Q5(Girlfriends)- >BB Z30 (Currently Using) - 01-26-2013, 04:45 PM #3
I saw the picture, it does look more like what I would expect on the PlayBook, with no phone icon or network signal icon. Could be photoshopped, but maybe not.
It does look a little more believable, although the Active Frames seem a little awkward at the moment (Angry Birds preview is on its side? Settings are a portrait preview but the tablet is in landscape?), but granted this is certainly not final software if it's real. Guess we'll know for sure soon.
Z30 (10.2.1.2141) | PlayBook 32GB (184.108.40.2063) | Lumia 1020 (GDR3, Lumia Black) | Nexus 4 (Android 4.4.2) - 01-26-2013, 04:51 PM Thread Author #5
anyone else see that in the calendar it says tmrw fix browser bugs
- 01-26-2013, 04:55 PM #6Wallpaper Changer HD for BB10 A MUST HAVE APP - Automatically rotates your wallpaper - Now with battery % meter, weather and more!
Evolution Web Browser with Ad Block - The ultra fast web browser with gestures and full screen browsing
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Visit: http://www.shao-soft.com - 01-26-2013, 04:55 PM #7
Probably not a fake but also not a final.My BlackBerry 10 AppsAmino Acids | Days Lived | ROT13 Encryptor | Shh Chat - 01-26-2013, 04:57 PM #8
Re: real or fake? BB10 on the Playbook (pic)
if this leak is real... then we now have an idea of how the active frames are laid out in landscape (although I guess that was pretty obvious)
but also... I wonder what the blackberry logo button on the bottom bar does..... - 01-26-2013, 05:04 PM #9
Way too easy to fake. I'll believe it when Bla1ze or someone from Crackberry confirms it. Until then, more photoshopped junk imo.
Last edited by mikeo007; 01-26-2013 at 05:15 PM.
- 01-26-2013, 05:10 PM Thread Author #12
As well most of these apps will be redone for a tablet UI like if you have ever played around with an Ipad and seen how the native apps take advantage of the Tablet screen real estate
We still going with this nonsense? Smh.
There are three things all wise men fear: the sea in storm, a night with no moon, and the anger of a gentle man.
[ Mobile Nations Sites: Android, iOS, Windows Phone, BlackBerry, Smartwatch Fans] - 01-26-2013, 06:17 PM #16
Now that I think a bit more about it, it's most likely a Photoshop. The appointment in the Calendar doesn't sound like something a developer would genuinely put on there, and the Active Frames all look suspiciously like they belong more on a BB10 phone than on the PlayBook.
Z30 (10.2.1.2141) | PlayBook 32GB (184.108.40.2063) | Lumia 1020 (GDR3, Lumia Black) | Nexus 4 (Android 4.4.2) - 01-27-2013, 11:05 AM #21
thats jus the bar files ripped from a dev alpha and put on a playbook, hence the `this does/doesnt work` list in the video, so while not fake, its also not BB10
doesnt look legit to me, lets start with the calendar appointment, thats NOT how bug fixing works lol, then lets go with the angry birds card, thats from a BB10 phone, as the orientation shows the how the app was when it was running, same for th settings app card, then last but not least, the bottom and top bars, they are solid black, yet BB10 on phones is semi transparent, so this doesnt flow with whats already out there.
there will be loads of fakes and photoshops done im sure, but much like BBM for android, until you see it from RIM take it with a (in this case very big) pinch of salt
Thorsten said ZED 10. deal with it
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☢ bbUI.js ☢ expert -- Need HELP ? Just PM me ! ☣ Blackberry Playbook 64GB ☣ - 02-07-2013, 12:02 PM #23
Regardless it is fake or not, where is it? Now, someone is probably saying it is Dev Alpha or Beta version and not available yet for public... end of story...
Once I was told by my neighbor that he caught a mermaid... he even got a picture!... and when I asked where it is, he just simply told me he released it again... he felt sorry for that poor thing... OK, fine... end of story...
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