text:
dollysdad,March 1, 2010 at 7:59 a.m.
I'm not worried. I wear a hardhat.
I did say I "remember when" companies hiring illegals wasn't tolerated like it is today. This was when Americans still did the jobs that people claim they won't do today. I distincly remember one local company being afraid to hire illegals because he was afraid of getting caught. After Reagan, things started changing, and quickly.
You think I want illegals to get public aid? I do not!! I also don't believe in automatic citizenship for babies born here to illegals. If it were up to me, illegals would have no reason to come here. But, this issue is just one aspect of the sorry situation that we are in today.
How do you separate the two? How do you personally know everyone who is on public aid? Do you speak with each and every one of them to decide if they are worth your compassion? You must be one busy person.February 28, 2010 at 7:50 p.m.
You can separate them out in your mind, but it stops right there at "I think I know".
And lets get some facts straight. My opinion does not sway the government one way or the other, no more than yours does. One person cannot change policy and I am not an activist.
I did not get us into this mess. I believe in government watchdogs to catch fraud, but apparently you do not. I can remember when people could turn other people in when they knew they were defrauding government programs and action would be taken. I wonder when all that changed? Do you remember?
I can also remember when a company that hired illegals could be turned in and swift action would be taken. Do you remember when that all changed? I do!! It was a certain President that decided that the government was too big and cuts could be made. Guess what? All the protections in place that protected us from fraud, were removed or scaled back so far it was ineffective.
You can blame me all you want. It really doesn't change a danged thing and doesn't make it a fact. You are part of the problem too, just to pig-headed to understand that. You don't want a government that is too big, and I don't want a government that is too small to do it's job, and lets other entities take control. All you seem to be able to think about is yours, and yours.
Born2Bme, when your OPINION has us paying more of our hard earned dollars to the Government, YES, I do have a problem with it. It is people like youi who have gotten us in this mess to begin with. If you & others like you feel so strongly about the poor & the worthless (I have separated the 2 out, they are not the same) then adopt a family & raise them....leave us to our own decisions.
So what would happen if people were forced to do for themselves? You laid out a whole scenario but left out the ending....like I really care anyhow. People like you who wish to force us all into bankruptcy, make me a little more callous & jaded. I blame you.February 28, 2010 at 7:17 p.m.
Born2Bme, I find it hard to donate to favorite charities these days as I am giving a 1/3 of my income to the government to support theirs. How bout you?February 28, 2010 at 7:04 p.m.
And that bill will effect the practice of Pharma companys. They release a new drug, a patent is issued,(I forget the # of years), in the mean time alternative uses are discovered for the drug so right before the patent runs out and the drug can be manufactured as a generic drug, they file a new patent that covers the alternative use, and they get a new patent, banning generic manufactures from making their version of said drug.February 28, 2010 at 4:08 p.m.
Yes rollinstone...
Latest News
Tentative Agreement Reached on Senate Patent Reform Bill
Senate Judiciary Committee leaders announced that a tentative deal on a bill to overhaul the U.S. patent system has been reached. Chairman Patrick Leahy indicated that the core of the compromise reached on the bill last year regarding damages has been preserved. In addition, the draft agreement appears to improve the post-grant review process. ...February 28, 2010 at 3:55 p.m.
Jealous? That is quite funny. Concern and sympathy does not equal jealousy.February 28, 2010 at 3:52 p.m.
Frankly, I am quite happy with my life, and my conscience is totally clear.
I really think you are getting a little too testy about someone else's OPINIONS. That usually means that something was hit squarely on the head.
Legion, I think the reason drug companies make big profits is because of patent protection. They expend a lot of money for R&D to manufacture and sell these drugs. All the while they have lawyers trailing them in "wolf packs" waiting to pounce on any that falter, weaken and fall behind the herd.
The risks are high and so are the rewards otherwise they would not be in the business. Healthcare is screwed up for one simple reason, the government is involved. Markets where the government is not involved (not many left) the costs are going down - computers, cell phones, etc.
Oh I know some people will claim there is no free market for a heart attack. Well there is. Doctors are there to satisfy that demand - that's the way the law of supply and demand works, it's so simple.
We don't need a massive 2700 page program - actually it will be many thousands of pages longer once the bureaucrats get a hold of it. It will contain massive amounts of inane gibberish, endless detail and useless, incoherent crap - I can't wait.
This massive program will help a few at the expense of the many. Many will lose their jobs and all will have to make do with less. This gets to the fundamental problem with socialism - it doesn't work, never has and never will.February 28, 2010 at 3:17 p.m.
I was being a bit of a deceiver because in other statements I have called the insurance companies greedy but not in this blog….:-)You are slipping, you usually catch me…..The insurance comapines,government,Democrats,lobbyists, and Republicans have all been demonized at some point..Depends on what side of the fence you are on.
BTW an excellent list, quite informative.
I used to be impressed with Rep. Paul Ryan but after his interview with Chris Wallace this morning, I am not that impressed..(not that it matters)….Chris showed him CBO numbers showing tort reform only saving ½ of 1% in total costs.Rep. Ryan said those costs cannot be measured. How can he measure them? Your posts yesterday was right on because Chris showed where expensive medical equipment was at the top of the list but other factors we listed yesterday were also there.February 28, 2010 at 3:15 p.m.
Mike perhaps I shouldn't have used the term "greedy insurance companys", but it seems to fit as they are the current whipping (boys) companys in the health care debate.
My last post was intended to back up my previous post concerning medical equipment companys. I didn't not save the info, but all of the top ten equipment providers had sales in excess of $110B, and profits from $17B to about $8B if I remember correctly. Then again the Pharma companys had a greater sales and profit margin.February 28, 2010 at 2:55 p.m.
I don't know to whom your post was intended for, but I did not mention greedy in this blog but I did mention that during layoffs and hard times the health insurance companies increased their prices by double digits in 11 states, WellPoint raised theirs by 39% in California…Justified, I don't know but California's atty. general will subpoena their books; and I will withhold my judgment until I see the results….. The insurance companies are paying lobbyist over $1 million to fight any type of reform.
I blamed myself (age & related health costs) as one the main reasons for the high cost of health costs and during the 7 hour summit many legislators alluded to the same set of facts.
The elderly (age 65 and over) made up around 13 percent of the U.S. population in 2002, but they consumed 36 percent of total U.S. personal health care expenses. The average health care expense in 2002 was $11,089 per annum for elderly people but only $3,352 per annum for working-age people (ages 19-64).
I imagine it has only gotten worse…..We are getting older as a nation and living longer.
At this rate, a for- profit insurance company will neither have to raise rates or cuts benefits and customers, in order to keep the profit they need to stay in existence.February 28, 2010 at 2:22 p.m.
Other health care related companys are in even lower in the list.February 28, 2010 at 1:50 p.m.
Oh those greedy insurance companys... it would seem to me that #3 & #4 on this list bare more of the blame for rising health care costs than #22.
Top industries: Most profitable
Industry Rank Industry 2008 Profits
as % of
1 Network and Other Communications Equipment 20.4
2 Internet Services and Retailing 19.4
3 Pharmaceuticals 19.3
4 Medical Products and Equipment 16.3
5 Railroads 12.6
6 Financial Data Services 11.7
7 Mining, Crude-Oil production 11.5
8 Securities 10.7
9 Oil and Gas Equipment, Services 10.2
10 Scientific, Photographic, and Control Equipment 9.9
11 Household and Personal Products 8.7
12 Utilities: Gas and Electric 8.7
13 Aerospace and Defense 7.6
14 Food Services 7.1
15 Industrial Machinery 6.9
16 Food Consumer Products 6.7
17 Electronics, Electrical Equipment 6.5
18 Commercial Banks 5.2
19 Telecommunications 5.1
20 Chemicals 5.0
21 Construction and Farm Machinery 5.0
22 Insurance: Life, Health (stock) 4.6
http://money.cnn.com/magazines/fortun...February 28, 2010 at 1:39 p.m.
You have no idea what I do, don't do, or how much I pay in taxes.February 28, 2010 at 1:17 p.m.
It seems to me that since I am standing up for what I believe, then you think I must be one of the people that doesn't work, draws off of public money, and basically expects other people to take care of me. You couldn't be more wrong.
You make it sound like you think I am not a taxpayer. I pay my fair share of taxes too. I don't like it, but I KNOW it is necessary to keep America the best Country there is.
And just so you know, giving locally is a great and honorable thing, but it doesn't do much for the huge problems that we face as a COUNTRY.
Born2Bme, we need to make everything free, why should anyone have to work? Everyone knows work is a bummer. If God wanted us to work he would have said so. So yes forced charity is righteous, and the way to universal happiness and peace - right on there 2B.February 28, 2010 at 12:34 p.m.
enforced charity = tax, That's true, but how many people would willingly give? What would this Country be like if those forced taxes were all of a sidden not forced? I'm asking you to really think about this before you think it is a good idea. Think about it on the large scale that it requires.February 28, 2010 at 12:14 p.m.
We live in the greatest Country on Earth. We enjoy things that other countries only dream of. Our way of life would cease to exist if we were not forced to take care of those that cannot, or in many cases, will not, take care of themselves.
What do you think those people would do if they were all of a sudden forced out into a job market that has almost 10% unemployment, and with no insurance? How are they going to all of a sudden find a job to support themselves and their families? How would they find a job that offers health insurance? Do you honestly think that they are just doing to go lay down somewhere and accept their fate and not do something about it? Something that no one would like!!
How about the taxpayers money they spend in local communities? What is going to make up for that? Is that going to start putting local businesses out of business?
Yes, we all have to pay more for those who cannot do for themselves, but the money that is funneled through "those people" is needed in local economies.
We, as Americans, are actually helping ourselves when we are forced to pay taxes to cover other people.
You may not see it that way, but I do. Just close your eyes and imagine. You should see pictures of Africa, and other third world countries.
You are right. Of course one doesn't have to go to church to have a good heart and be a giving person.February 28, 2010 at 11:55 a.m.
The two questions I asked didn't necessarily have to go together.
Forgive the way I wrote it, implying that they went hand in hand.
born2Bme...You didn't ask me, but I'm wondering what having charity in one's vocabulary (or heart) have to do with going to church? It isn't necessary to be a church member to give to charities. Being a member of a church doesn't mean you're a good person.February 28, 2010 at 11:14 a.m.
You're absolutely correct, we have too much waste on both sides of the spectrum but we cannot investigate that fraud without hiring more bureaucrats. It should not be about class warfare because it has been said that 50% of this nation's health-care costs come from 5% of people like me, the elderly and those on Medicare and VA. We don't practice preventive care on the 15% that are not insured and we turned a blind eye to obesity and its related problems like diabetes and hypertension. We are a free society, so that is not the job of the government to dictate our lifestyle but studies have shown the tobacco tax has reduced smoking.
We've already supporting government health care like the VA, Medicare and Medicaid but I think you're right we need to add Medicaid and Medicare reform to a comprehensive health care reform bill before proceeding or at the very least, shortly after.
This health-care reform bill is about 33 million people that are not insured. The poor already have Medicaid and 85% of our population already has health insurance. We are talking about those that have been laid off recently and those that have been denied for pre-existing conditions for the most part. Some are the young healthy people that think that they don't need any coverage but one auto accident will disprove that.
I continue to be amazed that conservatives do not complain about the rising cost of insurance but concentrate all their efforts on income tax. The income tax brackets have been at their set rate since 2003, 95% of those making less than $250,000 received a tax cut. Now go back and look at the rate of increase in insurance premiums.February 28, 2010 at 9:57 a.m.
Just eliminating fraud in this country, could save our country, did anyone else hear McAllen Texas mentioned during the health care meeting? A report on tv showed that a group of doctors in McAllen run every type of medical procedure such as x-rays etc to soak every dollar they can out of the government, a doctor tried to expose them but they turned on him. I know people myself that some doctor claims people are disabled when I know these people are drug addicts and are too lazy to work but still need money for their illegal drugs. Children that simply stay up late at night because their parents don't care and these children cannot stay awake at school the next day get labeled attention deficit disorder, that is not a disability but it is a big government check every month to the parent. Just has the young girl that has a baby, it is a check every month; it is easy to have a baby, but not a job. Until the government stops giving everyone a check for cheating, being lazy, we are doomed. Fraud is everywhere, benefits where people pay little in but receive much larger benefits when they retire, people cheating on their income taxes, the list goes on. Why the government in the last 30 years has not stopped this, is beyond me and I hold no hope it ever will. Until they correct this mess I will not support any government health care, first fix the problem, don't add to it.February 28, 2010 at 8 a.m.
You sure are painting things with board brush.February 28, 2010 at 6:35 a.m.
Yes, but it will be more spread out. "Someone" is going to pay for healthcare for those who cannot afford it, one way or another.February 28, 2010 at 1:16 a.m.
Victorianbybirth (by the way, that's a long name to type), do you go to church? Is charity in your vocabulary?
Then lets cut out welfare....the people who are sucking us dry right now will be the same people sucking us dry with mandated government run healthcare. All this will do is increase my taxes to pay for others who choose not to succeed in life. And it will only hurt the working poor who can't afford anymore government mandates.February 28, 2010 at 12:09 a.m.
I look at it like this victorianbybirth, we "have" to get liability insurance, so other people do not have to cover what we have to pay, which is a mandate. So why is it so far off base to mandate that people be responsible for their own medical costs?February 27, 2010 at 10:14 p.m.
There is not a person alive that can know when they are going to get sick or have an accident. Anyone that thinks it won't happen to them has blinders on and is basically, passing the buck. Mothers, or fathers, are not allowed to get away with not paying for their kids needs. Their wages are garnered for what they owe to help raise their kids. What's the difference?
I guess I meant Welfare. People who do not have insurance often go on Welfare to get Medicaid. There is a lot of fraud as we all know.February 27, 2010 at 9:55 p.m.
Give people a way to have insurance of their own and some of that will stop.
If we are garnishing peoples wages, taxes etc...why don't we start now. Every person on any kind of assistance should not qualify for EIC. They are using tax payer dollars for their own personal needs so they should "pay" it back with the money that isn't really theirs to begin with. We could eliminate EIC & save a ton of taxpayer money.February 27, 2010 at 7:33 p.m.
Born...you cannot get Medicaid if you have private insurance, so yes Medicaid would save a boat load of $$ if everyone had private insurance. Also, you cannot just "sign up" for state aid...where are you from?February 27, 2010 at 7:20 p.m.
Yes Mike, I agree, but many of those illnesses could be addressed at a much earlier age if insurance was affordable for all Americans.February 27, 2010 at 6:58 p.m.
You have to get at the root cause of high premiums. IMO, that starts with adequate pre-natal healthcare for all Americans. Regular checkups can do a lot to put off expensive treatments later in life.
I don't know if a public option is feasible, but if more healthy people paid into the insurance industry and insurance companies had controls on what they could and couldn't do with the premiums, then premiums would have to come down across the board.
Mandates are another thing. If people don't want to buy insurance, then they don't get free treatment when they do get sick. They have their income tax returns garnished, or so much automatically taken out of their paychecks, until the bill is paid back. If they knowingly refuse to get insurance when they can afford it, they do not get a free ride. It's a chance that many will not take.
The state of Massachusetts health care system is a carbon copy of the Senate plan, mandatory sign up….
I do agree if an individual feels his constitutional rights have been violated; the makeup of today's Supreme Court will take up his/her the issue and will probably rule in favor of big business.
I completely disagree with your last paragraph because if the Democrats don't pass the very issue that got them an office, they will be seen too weak to govern. I have seen all the polls that will disagree with my assumption but I remembered that those were just a snapshot in time and are not permanent….. The Democrats not only have to pass this legislation but they have to sell it. It will be hard, no question ,but in reality if unemployment is still at 10% in October it won't matter.
What's that old cliché?.. We will have to agree to disagree.February 27, 2010 at 6:58 p.m.
Remember when hospitals used to be just about curing the sick? They had tile floors, so a broom and mop would do, and a simple waiting room/visiting room.February 27, 2010 at 6:45 p.m.
The hospitals you walk into today, look like something out of a mansion. It's not needed and patients shouldn't have to pay for it.
Lets go back to basic care and save the special tests for regional hospitals.
No argument there and I will add one, like centralizing of those expensive machines, every doctor, clinic and doesn't need one…. I am going on a limb because I have never worked in the medical field but I believe we can get by with two or three MRIs in Victoria…. I could be wrong but I haven't had a long wait when I needed these machines.
I agree with your analysis but don't you agree that we are a nation that is paying for the illnesses of the elderly (me) the uninsured, the obese and related symptoms of hypertension/diabetes, and excessive use of the ER…… Insurance companies are in the business of making a profit (nothing wrong with that) but they are just paper shufflers that will have to continue raising their prices unless we tackle the real issues of health care reform.February 27, 2010 at 6:44 p.m.
Mike, seriously, do you think that the Govt can forced people to sign up for mandatory health insurance? Once again, I do agreed that something has to be done but lets be pragmatic, the second "forced" comes out, it will go to the courts and I do not know how many courts would be willing to mess with it and for sure, the Supreme Court would call it unconstitutional unless, 2 more conservative associates happen to retire. Then there is the little thing about whether abortion is directly addressed. Is a mess and I dont think this is going to be settle by Nov and if it is, Democrats might as well forget about controlling Congress and just in case, most politicians dont have a spine, so they do care about the next election.February 27, 2010 at 6:40 p.m.
Technological advances are great, don't get me wrong.
But hospitals zeal to advertise that they have the newest diagnostic tools available, makes them over spend on items. They not only charge patients that use the equipment, they raise the rates for every patient in their facility to defer the cost.February 27, 2010 at 6:31 p.m.
The most effective way to cut medical costs is to contain the medical equipment providers.
Every year or so a brand new imaging piece of equipment is released and every hospital in the country just has to have the newest, latest, multi- million dollar improvement released. Citizens Hospital not only buys every latest improvement coming down the pike, they also house it in a temporary trailer building and then spend more millions building a new part of the hospital to house it. Kind of like Microsoft, buy Windows 7, but your computer can't run it, buy a new computer, and a year later they come out with, IDK, windows 8.
And what ever happened to autoclaves? A report on ABC news said that a specialized biopsy needle costs $800, and is only used once. The needle is made out of stainless just like scalpels and hemostats, sterilize it and use it again.
And don't even start with the $38 boxes of Kleenex, the $5 apiece Tylenol tablets.
Start there and a huge savings in medical costs could be realized.February 27, 2010 at 6:23 p.m.
reyrey & dollysdad
You just might be right but if representatives decide they just don't want to do anything, why do we need them? It'd be much cheaper to buy some programmed laptops that will not be influenced by lobbyist.February 27, 2010 at 6:22 p.m.
ArlewillFebruary 27, 2010 at 6:06 p.m.
I don't know a lot about Medical Advantage but you make the reasonable assumption and I think you are probably right….. You are right about making Florida, Louisiana and Nebraska favorite states but as I understand, those amendments will be stripped from the final bill… I think you have a better understanding of the $500 billion Medicare savings because every since you made me aware of it several months ago; I have yet to give a clear exclamation whether these are projected savings or actual savings.
this is what I read and it is quite complicated, to say the least. Although, it is not a cut-and-dry increase in premiums, as you stated.
And Observer, with a few tweeks, I have a feeling that the savings could be even more than projected. If people had insurance before they were able to go on Medicare, then they would take care of things before things got too bad. Many have to wait until they are on Medicare to go to the doctors. By that time, health issues are so much more expensive and require multiple hospital stays.February 27, 2010 at 6:03 p.m.
Less people would be on Medicaid and state aid. Kids would be treated before the problem got too bad. Fewer hospital stays because problems were caught early enough. Fewer multiple testings done. Fewer ER visits for people who do not have insurance. There are so many ways that Medicare and Medicaid could save money if people had their own private insurance.
If these issues are not addressed, then it will never get better. The few remaining people who have insurance, are going to have to foot the bill for those who don't. Their insurance costs will continue to rise by double-digits every year. In the mean time, those citizens are aging and are in grave danger of being dropped because of their (your?) age and health condition.
We have to do something to stop this run-away train.
It is confusing but perhaps this will put some clarity to it...
# Sen. Lamar Alexander said premiums will go up for "millions" under the Senate bill and president's plan, while President Barack Obama said families buying the same coverage they have now would pay much less. Both were misleading. The Congressional Budget Office said premiums for those in the group market wouldn't change significantly, while the average premium for those who buy their own coverage would go up.
Both are right, but Obama offered important context that Alexander left out.
The nonpartisan analysis estimated that average premiums for people buying insurance individually would be 10 to 13 percent higher in 2016 under the Senate legislation, supporting Alexander's point. But the policies would cover more, and about half the people would be getting substantial government subsidies to defray the extra costs.
As the president said, if the policies offered today were offered in 2016, they would be considerably cheaper under the plan, even without subsidies. One big reason: Many more healthy young people would be signing up for the coverage because insurance would become mandatory. They are cheap to insure and would moderate costs for others.
Moreover, the analysis estimated that the people getting subsidies would see their costs cut by more than half from what they pay now.
# Alexander also said "50 percent of doctors won't see new [Medicaid] patients." But a 2008 survey says only 28 percent refuse to take any new Medicaid patients.
http://www.factcheck.org/2010/02/heal...February 27, 2010 at 5:55 p.m.
The CBO, in a recent report, said that Obamacare would result in a 15-20% increase in premiums for the self-insured. The report is readily available for anyone who is interested and not concerned about being confused by the facts because their mind is made up. "AP, Factcheck and others" may have agreed with the President about something, but it could not have been this. Alexander was right.
arlewil, the $500 billion in "savings" from Medicare is just one more attempted left-wing money shuffle. The current projected 40 year revenue shortfall for the Medicare Program is $38 TRILLION. Reducing Medicare expenditures by $500 billion and pretending that this is "found money" that can be spent on something else is a bald-faced lie.February 27, 2010 at 4:21 p.m.
Dollydad, for once we agreed! I had a chance to watch some "meeting" and it was nothing but a show. I saw Harkings talking about a farmer in IA and the struggle that he is going through, at the same time a commercial where a woman was told that she needed to wait for a breast exam and if she had waited, there was a good chance that the cancer would had been way advance. I am just tired of getting screwed by these two parties. One party thinks that we are too stupid to know what is best for us and the other thinks that we are morons and they can stick it to us. Way!!, that is the same thing.February 27, 2010 at 11:24 a.m.
MikeFebruary 27, 2010 at 7:34 a.m.
I am still thinking about the 500 billion dollars the President plans to take from Medicare to pay for half of this bill. He did say he planned to eliminate Medicare Advantage Plans. If you have a Medicare Advantage Plan, your medicare premium goes to an insurance company where additional benefits are added. The government pays the insurance company an additional 15% to manage the plan. Medicare Advantage Plans do make life a bit easier for senior citizens with less hassle and paperwork. The problem here is like the Cornhusker Kickback, the State of Florida will continue to have Medicare Advantage Plans for some 800,000 seniors per the Senate Bill, which has to be accepted by the House for ObamaCare to more forward.
When I went on Medicare five years ago, I avoided Medicare Advantage because I remembered a similar plan, Secure Horizons, that went under because health care providers refused service to patients. It was an industry product and not supported as much by the government as Medicare Advantage is today.
Many millions of senior citizens are on Medicare Advantage today and insurance companies have really been pushing the plan in the past year. I do not believe the government will save 15% by eliminating Medicare Advantage because the work load will be shifted to government employees and increase that expense.
There will be a lot of unhappy senior citizens if Medicare Advantage is eliminated to all States except Florida.
Beakus,February 27, 2010 at 12:35 a.m.
I agree with you. It is way past out of control. Medicare and Medcaid are going broke because of the increased cost of medical attention, doctors, hospitals, tests (multiple tests). More people are joining public aid because it is the only way to get health insurance.
Hospital costs go up because of all of the uninsured and unnecessary "5-star hotels" that pass as hospitals being built, the insurance costs go up because of the increase in hospital costs. It's a vicious cycle.
I know a lot of people won't agree with me, but if insurance isn't made more affordable, more and more will lose their health insurance, or find it unaffordable and they will go on public aid because they simply do not have a choice.
IMHO, there is no other way to get insurance costs down, except to have some kind of public option and have everyone pay into it. It is the only way to create real competition. We need to be able to buy drugs outside the Country to break the Pharma monopoly. We allow food to be brought in from other countries, why not medicine?
Shopping across state lines is a joke. The insurance companies will band together and keep the prices up because they are basically a monopoly. The high-risk people will still have trouble finding coverage at a price they can afford. Buying across state lines won't help the people who need it the most.
And don't get me started on the idea to do away with Medicare and give the elderly people vouchers. At that time in a persons life, many of them do not have the mental capacity to go shopping for the best deals, and wouldn't be insurable at a price that they could afford anyway.
You know born, you may be exactly right, but I really hope your not. My real thoughts around this whole healthcare reform is that where we have come in the past forty or fifty years in healthcare and costs associated with everything that is out there from pills, surgeries, medicare and medicaid, illegal aliens, entitlements, etc.... How will we as a nation ever be able to pay for all this without sinking the ship (country).
I believe we need some divine intervention. Wonder if that is covered in the 2400 page proposal.February 26, 2010 at 11:40 p.m.
Beakus, it wouldn't have made a difference. Republicans want their way entirely, and Democrats want their way entirely. They are both battling for advantage in the upcoming elections.February 26, 2010 at 11:05 p.m.
The reason why the Republicans want to start over is a simple stall tactic. What good is it to start over? Both sides will still have the same ideas and want the same thing.
Why didn't the president of the USA setup a bipartisan committee from the beginning instead of using only one party behind closed doors to create a massive healthcare bill? Because at the time the number of votes in the house and senate did not require him to include the other party. What other reason could it have been? Now when he does not have the votes to cram it through, we have a problem. Duh!February 26, 2010 at 10:47 p.m.
I don't think anyone expected things to change. The Republicans think that Obama has to fail in everything he tries, so they are not going to give an inch to help him with anything. It's sad that party is more important than America, in today's political scene.February 26, 2010 at 9:17 p.m.


text:
Topic group Related topics Example
Returns the length of the field in a specified position of a table.
FLENGTH(<field number expN> [, <alias>])
<field number expN>
The position of the field whose length you want returned. The first field in a table is field number 1.
The work area you want to check.
FLENGTH( ) returns the length of a field in a table based on the specified <field number expN> parameter. The field length for numeric fields includes the decimal digits and one for the decimal point character. Certain field types have fixed lengths. For example, in a DBF table, FLENGTH( ) returns 8 for date fields and 10 for memo fields.
FLENGTH( ) returns 0 if the table does not contain a field in the specified position.
Check the length property of the Field object.

subset: commoncrawl


text:
Berkshire Hathaway HomeServices plans to be real estate industry game changer in La Jolla and nationally
HomeServices of America, Inc., a Berkshire Hathaway affiliate, and Brookfield Asset Management announced they have partnered to introduce Berkshire Hathaway HomeServices, a new franchise brand that joins the existing brands and affiliate networks, including Prudential Real Estate nationwide.
The announcement signals a defining moment in real estate, according to the partners, who stated via a press release that, "It unites the strengths of two industry leaders, bringing together unparalleled operational excellence, innovation and integrity.
"With a vision to become the most respected and valued company in the real estate market, this powerful new network will exemplify the reputation of Berkshire Hathaway — among Fortune's 2012 most admired companies — in the real estate space."
Prudential California Realty, a wholly owned company of HomeServices, stated it is honored to be part of the game-changing strategy. "The power of HomeServices and Berkshire Hathaway is unmatched in our industry. The national and international reach for our sales associates will be unparalleled," said David M. Cabot, president/CEO.
Leeann Iacino, COO of Prudential California Realty, added: "This announcement represents an extraordinary opportunity for our clients, and our sales associates, that is second to none. We are so proud to be associated with the combined strength that Berkshire Hathaway and HomeServices represents in this real estate industry game-changing announcement."
Since the inception of HomeServices 15 years ago, it has been an ongoing plan to grow as a national brand; this escalates the opportunity. HomeServices will continue to identify companies for acquisitions in other markets locally, nationally and internationally.
With almost 3,000 sales associates in 60 offices across Southern California and the Central Coast, Prudential California Realty represented more than $9 billion in sales volume in 2011.
HomeServices of America represented almost $32 billion in residential real estate sales with 114,500 transactions in 2011 and closed more than $3 billion in home mortgages.
Information about Berkshire Hathaway HomeServices is available at berkshirehathawayhs.com
Related posts:
- Jason Hughes and David Marino join forces to give commercial tenants a voice
- La Jolla building permit applications Nov. 22-26
- La Jolla building permit applications Nov. 15-19
- San Diego homeowners in danger of foreclosure down from 2009
- La Jolla homes sold Oct. 18-22
Short URL: http://www.lajollalight.com/?p=97633


text:
Boston Pops Season Will Feature Concerts by Megan Hilty and Matthew Morrison Plus Tribute to Marvin Hamlisch
By Andrew Gans
The Boston Pops 2013 Season, under the baton of conductor Keith Lockhart, will feature performances from several Broadway favorites as well as a tribute to the late Tony and Pulitzer Prize-winning composer Marvin Hamlisch. Theatre-related highlights follow.
A Tribute to Marvin Hamlisch, which will be presented May 14-15, will feature the talents of Tony winner Donna McKechnie as well as Jodi Benson and Douglas La Brecque. Attendees can expect to hear tunes from A Chorus Line and music from Hamlisch's Oscar-winning score to "The Way We Were."
"Smash" and Broadway star Megan Hilty will perform May 23-24. The actress, who has been seen on Broadway in Wicked and 9 to 5: The Musical, will offer original songs from "Smash," including "Second Hand Baby Grand" and "Movin the Line" as well as tunes from her Broadway repertoire. The first half of the program will feature Lockhart and the Boston Pops in selections that celebrate the passion of the silver screen. The Boston Cello Quartet, made up of four members of the Boston Symphony Orchestra (also members of the Boston Pops), will also present a medley of James Bond themes arranged for four cellos and orchestra.
On May 28-29 "Glee" and Broadway actor Matthew Morrison will offer evenings of song and dance. Audiences will be treated to such tunes as "Luck Be a Lady," "Singing in the Rain" and "The Lady Is a Tramp," all featured on Morrison's new album "Where It All Began," which will be released June 4.
For more information visit www.BSO.org.
Send questions and comments to the Webmaster
Copyright © 2014 Playbill, Inc. All Rights Reserved.


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(Transfers under Federal Law)
Pursuant to the No Child Left Behind Act of 2001 (NCLB), district schools may be identified as
"persistently dangerous." Students attending schools identified as persistently dangerous or students
who were victims of a violent criminal offense on school grounds, as defined by state law, may
transfer to another school in the district, but transportation will not be provided.
Students transferring under this procedure will have the same access to classes and other activities
as other students enrolled in the school.
Buildings Identified as Persistently Dangerous
Students Eligible to Transfer
Students attending schools identified as persistently dangerous are eligible to transfer to another
district school if there is another school building in the district educating students in the student's
grade level that is not identified as persistently dangerous and is otherwise available to take
additional students.
Only students whose residence is in the attendance area of the school designated as persistently
dangerous are eligible to transfer pursuant to this procedure. The district is not obligated to provide
transportation to the chosen school.
A student is not eligible for the transfer program if he or she was assigned to a particular school by
court order or for disciplinary purposes or does not meet special eligibility criteria for the school
Students with disabilities, as defined by federal law, are eligible for the transfer program. The
district will work with parents/guardians to provide these students an appropriate program. In some
instances, students identified for services under the IDEA may only transfer after their individualized
education program (IEP) has been modified by the IEP team.
In accordance with law, if a school is identified as persistently dangerous, the district will draft a
notice for parents/guardians of eligible students that details the transfer options to other schools in
the district. The notice will be mailed to parents/guardians in a timely manner and will instruct all
parents/guardians seeking to transfer their students to contact the district's central office. The notice
will include a date by which the parents/guardians must notify the district.
The notice will also be included in the school enrollment packet, the student handbook and/or other
materials distributed at the beginning of the school year to students attending the identified school,
as well as disseminated through broader means such as the district's website. The notice will be
provided in an understandable and uniform format and, to the extent practicable, in a language that
parents/guardians can understand.
Transfer Process
Parents/Guardians interested in transferring their students to a school that is not identified as
persistently dangerous will be directed by district staff to the district's central office. The
parent/guardian must fill out a written request and submit it in accordance with the deadline
established in the notice. Any written request received after the deadline may be processed for the
following school year, or the next semester if possible.
The central office will provide the parents/guardians with a list of all schools to which their student
is eligible to transfer. This list will not include other schools designated as persistently dangerous
or schools with special eligibility criteria that the student does not meet, such as an alternative
school. The parents/guardians will make their selection in writing.
Changes to Residency or Status
If a student's residence changes mid-year to the attendance area of a school not identified as
persistently dangerous, the student may remain in the school he or she transferred to until the end
of the school year.
If the school the student transferred from is removed from the list of "persistently dangerous"
schools, the student may continue to attend the school the student transferred to for the remainder
of the school year.
Annual Verification
Parents/Guardians of students whose qualifying schools were removed from the "persistently
dangerous" list will be notified in writing before the first day of school that they are no longer
eligible for the transfer program.
Victims of Violent Criminal Offense
Students who were victims of violent criminal offenses while on school property are eligible to
transfer to another district school, if available. The district will work with the students and
parents/guardians to assist in the selection of an appropriate school. The district may, but is not
obligated to, provide transportation services to the students.
"Violent criminal offenses" are the following:
1. Kidnapping under § 565.110, RSMo.
2. First-degree assault under § 565.050, RSMo.
3. Rape in the first degree under § 566.030, RSMo.
4. Sodomy in the first degree under § 566.060, RSMo.
5. First-degree burglary under § 569.160, RSMo.
6. First-degree robbery under § 569.020, RSMo.
7. First-degree arson under § 569.040, RSMo.
8. Second-degree assault under § 565.060, RSMo.
9. Rape in the second degree under § 566.031, RSMo.
10. Felonious restraint under § 565.120, RSMo.
11. First-degree property damage under § 569.100, RSMo.
12. First-degree child molestation under § 566.067, RSMo.
13. Sodomy in the second degree under § 566.061, RSMo.
14. Sexual misconduct involving a child under § 566.083, RSMo.
15. Sexual abuse in the first degree under § 566.100, RSMo.
If a student is a victim of a violent criminal offense in a school that is not otherwise identified as
persistently dangerous, the district will notify the student's parents/guardians and the student of the
option to transfer to another school in the district and provide additional information upon request.
The transfer may occur at any time during the school year.
Changes to Residency
If a student is a victim of a violent criminal offense and his or her residence changes mid-year to the
attendance area of a school other than the one where the crime occurred, the student may remain in
the school he or she transferred to until the end of the school year.
* * * * * * *
Note: The reader is encouraged to review policies and/or forms for related information in this
administrative area.
Implemented: 01/16/2008
Revised: 04/11/2013; 05/08/2014
St. Charles R-VI School District, St. Charles, Missouri
Link to Missouri Statutes
Link to Missouri Regulations
Top of Page
Portions © 2014, Missouri School Boards' Association, Registered in U.S. Copyright Office For Office Use Only: JCB-AP1.SC6 (01/14)
The translation feature for this site is provided by Google Translate. The district does not guarantee the accuracy of the translation. Please call the district for clarification of board policies and administrative procedures.


text:
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Betteridge delighted to get off the mark (From Swindon Advertiser)
Get involved! Send photos, video, news & views. Text SWINDON NEWS to 80360 or email us
Ice Hockey RSS Feed
Betteridge delighted to get off the mark
6:00am Thursday 31st January 2013 in Ice Hockey By Ned Payne
IT MIGHT not have been the result he wanted, but new Wildcats signing Ollie Betteridge was delighted to grab his first goal for the club on Sunday.
The 17-year-old forward scored Swindon's fourth in the 5-4 EPL defeat to Slough at the Link Centre.
And although the goal might have come in slightly fortunate circumstances, Betteridge was just happy to see the puck go in.
He said: "It felt great and I wasn't expecting it. It was the luckiest goal, a nice little one-hander.
"That was my first one-handed goal. I've scored a couple in training but never in a game.
"It was a lovely feeling when it went in and I enjoyed the game, it was a good experience."
He added: "We went up two goals in the first and we needed to keep it up.
"We battled hard but just let a couple of silly breaks go through the D and had a couple of unlucky bounces, but overall it was a solid game."
Nottingham-based Betteridge and teammate Sam Bullas stay over in Swindon at weekends in a house that includes netminder Tom Murdy and D-man Paul Swindlehurst.
And the Wildcats' newest recruit says he has settled in well at his second home in Wiltshire.
He said: "All the team have welcomed me in.
"I've been at Murdy and Swinners' house and they have welcomed me a lot.
"They have been a great help to me and it feels like home.
"It's nice to feel welcomed when you come to a club and only know a couple of players."
Comments are closed on this article.


text:
Tucson's second Best Buy Mobile Store will hold its grand opening at noon today at Park Place, 5870 E. Broadway.
Best Buy Mobile stores mimic the mobile-products section of Best Buy's larger stores but in a more intimate setting, said store manager Kim Kida.
"We carry the same products but offer a more personalized touch," Kida said.
The city's first Best Buy Mobile Store is at Tucson Mall, 4500 N. Oracle Road.
Tucson is the first city in Arizona to open Best Buy Mobile stores. "There are a variety of factors we look into as we consider new store locations," said Best Buy spokesman Jeff Shelman. Those factors include local business demands and real estate options.
The new store is located where Cinnabon used to be, next to the food court at Park Place.
The Best Buy Mobile concept has been around since 2006. Since then, more than 400 stores have opened up nationwide, Kida said.
The store's walls are lined with cellphones, smartphones, contract-free phones, e-readers, tablets and accessories.
Customers have the option of signing contracts with any of the large national cellphone carriers. Best Buy acts as a third party and does not charge additional fees. The company says its employees do not work on commission and the stores offer straightforward pricing, with no rebates.
Another feature of Best Buy Mobile is the ability to order any product from the larger Best Buy stores. For example, if a customer wants a TV, it can be ordered from Best Buy Mobile and sent to the customer's house or picked up at Best Buy.


text:
Halgern remounted his horse, Arrea, and continued towards Peace City at a pressing pace. The formation of men and horses made their way South away from Negliv, crossing the New Sagomir Gorge and into New Salfir. Another thirty minutes of riding put them right at the gates of what used to be Valentine City. The sun could be seen barely above the horizon, sheding a few rays of light on the city grounds. Peace City sat on plaetu surrounded by vast streaches of farm land. The Forest of Salfir was well in view from the walled city and any attackers could be easily spotted.
Oric barked out a few orders, splitting his battilion into groups. A few of the men set up a perimator around the city, searching the area. The rest moved into the city taking up positions along the walls with extra squads near each of the city's three gates. The remaining men were sent into the city to search through the buildings and question the cities inhabitants. Oric went straight to the cities biggest building, what used to be Valentine Manor. The whole place had an eerie feeling to it. King Halgern walked into the city's leaders office only to find Caedus sitting in a chair behind a desk, "Caedus I thought you were going to The Citadel?"


text:
This Property is 100% Non-Smoking
Alcohol Policy
Alcoholic beverage service is restricted to those 21 years or older (with valid identification).
Age Requirement Policy
Guests must be 21 years or older to reserve a room.
Check Cashing Policy
Check cashing services are available to guests who present a valid, major credit card (photo identification). There is a limit of $50 per day.
Noise/Disturbance Policy
The hotel has a strict "No Party" policy on the guest floors. Noise complaints are taken very seriously and may result in eviction without compensation. Guests planning an event of any size are encouraged to contact the Sales Office at (215) 365-6600.
Package Handling Policy
There is a package handling fee for all incoming and outbound packages. Please contact the hotel directly for the exact fee.
Pet Policy
Pets up to 80 pounds are allowed. Guests must sign a waiver regarding the pet regulations at check-in. The hotel reserves the right to charge for additional cleaning or damage caused by the pet. If damage is found after checkout, credit card on record will be charged.
在您登记入住时,将从借记卡和信用卡中授权扣除您的住宿费用及杂费。 此授权金额将保留至您退房离店,届时将收取您在住宿期间所使用的实际费用金额。 在您离店之后,该授权金额可能会需要最多 30 天时间由您的银行或金融机构公布,酒店将不承担任何由此产生的费用或收费。
Payment Policy
In addition to the credit card requirement for reservations, a valid credit card must be presented at check-in. Guests may pay with cash upon check-out; however debit card funds will be held until check-out. The deposit will be returned within 7 to 10 business days. Please contact the hotel for further information.
Pool Policy
The hotel has a strict policy against parties in guest rooms. Noise complaints are taken seriously and may result in eviction without compensation. Guests planning an event of any size are encouraged to contact the Sales Office at (215) 365-6600.
Smoking Policy
All guest rooms and public spaces are 100% non-smoking. A $200 cleaning fee will be charged to any guest who violates the smoking policy.


text:
Here it is. Thriving Home's very first original printable: A Weekly Meal Planner!
It's fitting that our first printable would be a weekly meal planner since it's pretty obvious we love menu planning for the week around here. For a few years now I have found that meal planning helps us not only eat healthier but also save lots of money. We waste less food because I only buy what we plan to eat that week and it provides a peace of mind knowing what's for dinner each night of the week. Once you get in the habit of planning our your meals, you won't go back to the grab-and-go method of grocery shopping.
For this particular menu planner, I printed out one copy on quality paper and put it behind a 8×11 frame. I use dry erase markers to jot down the meal plan for each night. I also utilize the shopping list to keep track of what I need to get at the store for the coming week.
I like having my meal plan on the fridge so I used some adhesive magnets that I got from Hobby Lobby and just put them on the back of the frame. It worked great!
Here it is in action.
If you want one of your own, just subscribe to our mailing list or like us on Facebook below and you can automatically download it!
Powered by Like to Download
Don't forget to check out all of our menu plans for great meal ideas.
P.S. Looking for other ways to simplify and organize your life, check out this amazing e-book bundle that is on sale this week ONLY!
We work hard to share good content and recipes with our readers. If you have benefited from this post, we'd love it if you'd pass it on in one way or another. This helps us keep Thriving Home, well, thriving!Pin It


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My Account
Enter or verify that code LABORDAY is in your cart at checkout, and a 10% discount will be applied to your order over $100, a 15% discount will be applied to your order over $200, or a 20% discount will be applied to your order over $300. Your savings will be based on the merchandise total only, excluding shipping, handling, additional freight, and taxes. This offer can not be combined with any other offer. Other restrictions and exclusions may apply. Offer expires at 11:59pm ET on 9/1/14. Click here for full offer details >
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details & specsback to top
Product DescriptionFully-covered and large enough for three, the Convertible towable has a flat tapered profile that really flies over the water. Boarding handles make climbing back on a snap. 840-denier nylon cover. 30-ga. PVC bladder. Padded handles with knuckle guards. Delrin quick-connect fitting. Boston valve. Covered mesh bottom drains. 74" x 80".
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REVIEW SNAPSHOT®by PowerReviews
Best Uses
- Was this a gift?:
- No (3)
Reviewed by 3 customers
Sort by
- Attractive Design
- Comfortable 3 Person Use
- Comfortable To Ride
- Easy to use
- Fun To Use
- Good Handles
- great price
- Great Tube Hitch
- Quality Construction
- Soft Comfortable Handles
- Difficult To Inflate
Best Uses
- Flat Water
- Multiple People
- Rough Water
Comments about Connelly Convertible 1-3 Rider Deck Towable:
Great tube comfortable on rough water awesome on flat water great 3 person tube and for the money you cant buy a better tube
- Was this a gift?:
- No
- Attractive Design
- Easy To Inflate
- Fun To Use
- Burn On Arms From Materia
- Tends To Dive Down
Best Uses
- Multiple People
- Rough Water
Comments about Connelly Convertible 1-3 Rider Deck Towable:
You can catch a lot of air on this tube and have a lot of fun. We had some good wipeouts and good airtime. Only flaws are you cant really ride it solo unless all your weight is at the back because the nose will dive down and sink. It was a little rough on the arms leaving a few burns like rug burns. But when you are catching air and riding rough like we were I think that is bound to happen on any tube. I recommend it.
- Was this a gift?:
- No
- Compact Design
- Easy Storage
- Easy To Use
- Holds air great
- Safe
- Waterproof
- Handles have torn off
Best Uses
- Boating
Comments about Connelly Convertible 1-3 Rider Deck Towable:
Great product except the handles started tearing after one years use!have tried everywhere to get a cover replacement!! Would be very willing to pay for new cover!!!! Tube has NOT been left out in sun or weather!
- Was this a gift?:
- No
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Do you have questions about this product? 4 easy ways to get the answers you need:
get answers from real customers and in-house experts with AnswerBox.
Q:I am looking to buy the valve, I took the valve off to let the air out and left the valve at the lake. can I buy another one ?Asked on 7/17/2014 by tony boy from west monroe, la.
1 answer
A:Our item 19455 should work as a replacement boston valve for this item. If you have any other questions, please contact our technical assist line at 1-800-334-6541.
http://www.overtons.com/modperl/product/details.cgi?pdesc=Replacement-Boston-Valve-Set-For-Inflatables&i=19455Answered on 7/21/2014 by Product Expert from Overton's


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School Home
Introduction to Forex
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Forex Basics
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Choosing a Forex Broker
Criteria for Choosing a Forex Broker
Look for Razor Thin Transaction Costs
Finding a Reliably Fast and Honest Broker
Still Dominant Broker Execution Type: Market Maker with a Dealing Desk
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Trading with Trendlines
Trendline trading is a powerful method to take advantage of numerous trading opportunities. Markets can trade horizontally, but they often trade diagonally, forming uptrends and downtrends. Trendlines are plotted along the uptrends and downtrends in order for the trader to quickly visualize the strength and slope of a given trend on a given timeframe, so he can enter in with the trend at retracement points or at breaks of the trend at trend reversals.
It can be argued that some of the most profitable trading boils down to simple support and resistance trendlines and that all the numerous, complex mathematical indicators are just distracting clutter and noise that lags the market and slows trader reaction time in quickly market movements. The fact is, the market is run by the traders at the banks, and they are using trendlines (along with fundamental ideas of direction) more than indicators.
Thus, it behooves any trader to learn as much as he can about trendlines, how to plot them properly, and exploit them effectively.
There are a number of questions this article seeks to answer to help you become a better trendline trader:
How to plot a trendline properly
What timeframe to trade from
What entry strategies can be exploited
When to exit or be prepared to exit
How to Plot a Trendline?
We traders are always trying to find the trend, and plotting a trendline onto a chart is the easiest way for us to quickly see the currency's direction. A trendline is a straight line that starts at the beginning of a trend and stops at the end of the trend. You can form one by hand using paper and pencil, but better yet, you can use MT4's built in trendline tool to plot your trendline. However, finding where to start and stop the trendline can be tricky, so I'll help with how to spot them, plot them, and interpret them.
Note on Picking Timeframes
First you pick a chart timeframe, bearing in mind that each timeframe can show different movements and different trends, and since these charts are always shifting, never the same, the trends are always changing. Some trends are forming, others are continuing, some are breaking, and others are reversing. Charting is a dynamic process. Today's trend can be reversed tomorrow. The daily chart can show us in an uptrend while the H1 chart can show us in a downtrend.
You may not be able to see or place a trendline on certain charts. Currencies are not trending constantly, for sometimes they may be caught in directionless range or channel. However, because you have so many different timeframes to choose from, there is a good chance you can spot a trendline on one of the timeframes, though it is best if you can see confirmation of the trendlines on multiple timeframes. Some trends can be orderly and easy to spot, while others can be disorderly and harder to see.
In general, we aim to start and stop the trendline at obvious highs and lows.
Spot an obvious low and carry your eye along higher highs (tops) and higher lows to an obvious high. Take a look at the chart. The first line, starting from the left, starts at a low and ends at a high. In general, upward sloping trendlines are used to connect prices that act as support while the given asset is trending upward. This means that upward sloping trendlines are mainly drawn below the price and connnect either a series of closes or period lows.
The Entry Rules
Start at the lowest low and connect the line to the next low that precedes a new high.
As long as the new highs are being made, redraw the line to connect to the lowest low before the last high.
When prices start making new highs, stop drawing. Extend the line out into the future at the same slope.
The upward trendline illustrates the support line. It's named support because you expect the line to support the price – traders won't let the price fall below it.
The next trendline is a downtrend. It starts at a high and goes to a low. In the case of a downtrend, your eye starts at an obvious high and follows successively lower highs and lower lows (bottoms) to an obvious low (known after the fact). A downward sloping trendline is generally used to connect a series of closing prices or period highs that act as resistance while the given asset is trending downward.
The Entry Rules
Start at the highest high and connect the line to the next high that precedes a new low.
As long as the new lows are being made, redraw the line to connect to the highest high before the last low.
When prices stop making new lows, stop drawing. Extend the line out into the future at the same slope.
The downward trendline illustrates the resistance line. It's named resistance because you expect the line to resist the price–traders won't let the price go above it.
For purposes of drawing trendlines, use the highs and lows, but don't totally ignore the close. It is possible to get a wild random move that creates a spike high or spike low that isn't consistent with the overall trend.
Quest for Objective Trendlines: TD Trendlines
The problem with traditional trendlines is that they are subjective; ten traders could look at the same chart and draw 10 different trendlines. TD-Lines were developed by Tom DeMark and detailed in his books The New Science of Technical Analysis (John Wiley & Sons, 1994) and DeMark on Day Trading Options (McGraw-Hill, 1999). TD Lines require a trendline to connect "TD Points" (commonly called "pivot" highs or lows, or "swing" highs or lows). For an interesting summary of the methodology, click
Auto-Draw TD Trendlines
If you like the Tom Demark's more objective way of handling trendlines, and you don't want to put in the work of manually lining up the pivot points and lines, you are in luck. You can use a custom indicator called
DeMark Trendline Trader
to auto-generate these lines for you:
DeMark Trendline Trader
Using this indicator can help you practice and learn how to identify TD Trendlines easily and effectively.
As the price nears a major support/resistance trendlines there are two scenarios that can occur:
The price will bounce off the trendline and continue in the direction of the prior trend;
It will move through the trendline, which can then be used as a sign that the current trend is reversing or weakening. There is thus a strategy that be adopted for each scenario.
Strategy #1: Trading the Bounce off the Trendline
This strategy offers numerous opportunities to get on board an ascending/descending trend at decent price levels. You have probably seen many pairs take off in one direction for a sustained period of time but have been too shy to get on board because of the fear that of getting in too late. You fear that you will get in at the moment of price correction, a correction that manages to take out your stops before the underlying trend kicks in again. This is a justifiable fear, and I have been guilty of hopelessly watching many pairs make new highs or lows, unsure when to get in to take advantage of those big moves.
However, if you plot your trendlines correctly, you can take advantage of buying from the support and selling from the resistance.
Stategy #1A: Buying at the Upward Trendline Support
The more times that a low of the time frame touches the support line without crossing it, the more confidence you should have that is a valid description of the trend. This is called a test of support and encourages buyers to buy more after the price passed the test.
Often traders engineer a test of support by selling the currency down to the support line to see if the support will hold. If you put on a new position above the support line, you might have to bear some damage when traders test support. Will buyers rush in to support the currency? The reason that this strategy can work so well is: if the support holds, traders who were selling become buyers, and the market can be propelled back upwards very fast.
The Entry Rule:
Buy when the low of the bar reaches within a predefined number of pips of the support trendline.
This predefined number of pips could be a fixed pip scenario (such as within 10 pips above the trendline, just to make sure you get in), or it could be based on a percentage of the Average True Range of the currency and time frame in question (such as 20% of the 12-period ATR).
Let us look at an example of a recent chart of EURUSD on H4 timeframe:
You can see that the trendline had begun to form on March 28 2011 at the first significant low, and the next low had confirmed it. The third low, which I have named
Buy #1
, could have been a nice spot for traders to take up buy positions for a 50 pip gain, but for most traders it would have represented another confirmation point for the trendline support. After that point held firm, trendline traders would have drawn and highlighted the support trendline above, and put in buy limit positions at
Buy #2
, taking the EURUSD from 1.4065 up to 1.4220 (+150 pips). At that point in time, it would have looked like the trendline would never be touched again, as it was so far above. However, on April 1, the traders had charged back to retest this trendline one final time, at
Buy #3
, and when it held firm once again, they jumped in to shoot up the market like a rocket back to its former highs, from 1.4065 to 1.4220 (+150 pips).
Profit Target:
It can be the nearest level of support or resistance according to Pivot Point Levels. Or it can be a simplified option of choosing a fixed target appropriate to the currency and time frame; for instance, on H1 time frame, 40 pips for EUR/USD and 60 pips for GBP/USD.
Stop Loss:
Exit the buy position when the low of the bar falls below the support trendline by a predefined number of pips.
This predefined number of pips should be based on the average true range (ATR) of the currency pair for that time frame. For instance, the 7-period ATR for the EUR/USD H4 chart above was 45 pips. Thus, in Buy #1 and Buy #2, you would have suffered very little DD risk for the profit taken, as the trades bounced soon after touching the line. However, in Buy #3, you may have taken your trade from the line at 1.4090, and you would have been in a 30 pip draw down before it corrected back in your favor. If you had only a fixed 10-30 pip stop loss on your trade, you would have been stopped out just before the correction had occurred. The average true range method would have been enough wiggle room to keep you in the rubber band trade as it stretched as far it could go before snapping back.
The Risks:
When any part of the price bar penetrates the line on the downside, support may have been broken, or the trendline becomes unreliable. If the move continues to the upside after the trendline is broken, the trendline becomes unreliable. A breakout is any part of the price bar penetrating a line that you drew on the chart. Some traders require that to qualify as a breakout, the bar component that breaks the line has to be the close. Sometimes the offending breakout is quickly roped back into the herd, but usually a breakout means that the trend is changing direction, either right away or sometime soon.
Strategy #1B: Selling at the Downward Trendline Resistance
The more times that a high of the time frame touches the resistance line without crossing it, the more confidence you should have that it is a valid description of the downward trend. This is called a test of resistance and encourages sellers to sell more after the price passed the test.
Just as traders engineer a test of support, they engineer a test of resistance. You are hoping that the sellers will rush in to hold the resistance line, and if the resistance holds, traders who were buying will become sellers.
The Entry Rule:
Sell when the high of the bar reaches x number of pips of the resistance trendline.
Let us look at an example of a recent chart on the USDCAD on the D1 time frame:
What you don't see in the chart above is that the USD/CAD has been in a steep downtrend since March of 2009, falling from 1.26910 to 0.96435. I am starting the downtrend on the chart above for this year only. I start with a swing high on Dec 20, 2010, and get second swing high on Jan 31 2011, which allows me to form the downward trendline resistance. Trendline traders would have drawn the same trendline and taken short positions at the approximate area of the trendline. The first short position (
Sell #1
) came at Feb 10, 2011, at 0.9985, and it allowed traders to dive down to 0.9825 (+100 pips). The second short position (
Sell #2
) followed in the same month at 0.9958, and allowed traders to take the market to an even greater low of 0.9666 (+300 pips). The third short position (
Sell #3
) came on March 15 2011, and it would have been much trickier to stay on board with this one without getting stopped out. One would have entered around 0.9874, and the market had jumped up to a high of 0.9973, which would have meant you would need a greater than 100 pip stop loss to still be in the game. If you had managed to be still in the game, you would have seen the market fall lower to 0.9643 (+330 pips).
Profit Target:
It can be the nearest level of support or resistance according to Pivot Point Levels. Or it can be a simplified option of choosing a fixed target appropriate to the currency and time frame; for instance, on H1 time frame, 40 pips for EUR/USD and 60 pips for GBP/USD.
Stop Loss:
Exit when the high of the bar reaches above the resistance line by a predefined number of pips.
As mentioned before, I prefer an average true range based on the currency and time frame in question than a fixed stop. In either case, you would have been able to take
Sell #1
Sell #2
with very little open DD, as the trades touched the line before descending. However, even if you had put the 7-period ATR of the USD/CAD, which was 60 pips at that time, you would have been stopped out on
Sell #3
. Only a fixed stop of 100 pips or more would have let you survive that trade.
Sell #3
was very tricky, and only the more veteran trendline traders would have had the balls to jump back in after being stopped out.
the breakout traders would have seen the USD/CAD penetration of March 15 trendline as an opportunity for a breakout, and they too would suffer from this trade as it would prove to be a
fake breakout
(more on that later).
The above strategy helps traders enter or stay in a trend. The trading mistake is staying in the trend after the trendline is broken. Sometimes new traders will be resistant to take a loss, and they keep giving the trade more wiggle room, hoping it comes back. They may even draw in new, flatter trendlines, hoping the market stays bound by them. However, a trader should always remember that if the reason for staying in the trade is no longer valid, it is the trader's job to take a small loss and move on to the next trade.
Strategy #2: Trading the Breakout / down of Trendlines
While the previous strategy seeks to enter on bounces from the trendline, this strategy seeks to enter on breakouts/breakdowns of the trendline. All traders should be prepared for both the bounce and the break. It is a matter of keeping your mind and eyes open to both possibilities, which can be harder than it seems. Usually when we trade for a specific direction, we develop a psychological bias for that direction, and we are reluctant to swing 180 degrees around and take a trade in the opposite direction. It would be ideal if we were so flexible, though usually what takes place is that we side with one method or the other.
Trading the breakout/breakdown of the trendline has been given more credence than the bounce, particularly as it has been used effectively by veteran traders, and written about intensively by famous technicians like Tom DeMark.
Trading the breakout/breakdown of the trendline can be very powerful because when the trendline breaks, it represents a reversal from the trend of that timeframe, propelling the market to stretch back to its nearest resistance or support, which can be sometimes very far away, depending on how far up or down the market had trended. That being said, it is always safer to take a breakout/breakdown on a lower interval time frame in the direction of the trend that remains firm in the higher interval time frame. For instance, if the daily or H4 time frame is strongly bullish, you would want to place a buy stop for a breakout through a downward trendline taking place on a H1 or M30 time frame. That way you will be trading with the larger trend current, which would give you a better edge than otherwise.
The setup:
Draw a downtrend trendline or uptrendline using the rules drawing trendlines discussed above, or auto drawn using the DeMark Trendline Trader indicator.
Choose a timeframe that illustrates the setup with the best slope, with preference given to higher timeframes over lower ones. Try to look for breakout/breakdown in direction of larger trend, but keep in mind that opportunities exist in breakouts (reversals) of the larger trend itself.
The Entry Rules:
The entry is done on the breakout of the downward trendline or the breakdown of the upward trendline by a predetermined number of pips. The predetermined number of pips should be appropriate for the currency volatility and time frame. Usually a break of the trendline by 10 pips should be sufficient.
Example of GBPUSD on H1:
In the above chart, I used the
DeMark Trendline Trader
indicator (download
) to auto-plot the trendlines on the GBP/USD H1 chart at around 3:00 am on March 30 2011. I could see a very interesting downward trendline resistance had formed on two swing highs (solid red line), and since the larger trend was up, I chose to have a buy stop entry 10 pips above the trendline (dotted red line), which was hit at 7:00 am on March 30 2011. Three bars later it hit my 60 pip profit target.
Semi-Automated Breakout Trading:
Not only did I automate my trendlines using the DeMark Trendline Trader, I also automated my buy stop entry using the help of a semi-automated EA. Since I was about to go to bed at 3:00 am, I needed to have a semi-automated method of adjusting my buy stop to follow the path of the trendline, so that I could be filled when the market breaks it by 10 pips. I wasn't about to lose sleep trying to follow the path of the trendline, manually readjusting the buy stop at each new bar. Thus, I investigated a number of semi-automated trendline EAs out there, and the one I eventually chose to use was the free
iDRAW EA
, an enhanced version of the
TrendMeLeaveMe EA
(download TMLM EA
). I only needed to rename my trendline object on the chart to
, indicate the offset (already defaulted to 10 pips), and thenceforth the buy stop would appear 10 pips above the trendline (in the dotted line) and auto-adjust itself as the trendline and market continued forward. It also allowed me to choose a stop loss and profit target, and I chose a stop loss of 30 pips and profit target of 60 pips. When I awoke in the morning, I was pleasantly surprised to see that the GBP/USD did indeed breakout of the trendline, trigger my buystop at 7:00 am, and a thrust upwards of 60 pips in short order, hitting my profit target in three bars.
Profit Target:
It can be the nearest level of support or resistance according to Pivot Point Levels or it can be a simplified option of choosing a fixed target appropriate to the currency and time frame; for instance, on H1 time frame, 40 pips for EUR/USD and 60 pips for GBP/USD. You may even want to experiment with timeouts, counting the number of candles before the target is reached, and if it is not reached in x number of candles, you close out the trading positions.
The StopLoss:
You can have it a couple of different ways. You can put a protective stop just above/below the candle that broke through the trendline. Or you can determine a stop loss that is the 7-period average true range of the currency and time frame in question. Or you can put a fixed stoploss appropriate to the currency and time frame; for instance, on H1 time frame, 30 pips for EUR/USD and 40 pips for GBP/USD.
The Risks of Trading Trendline Breaks:
A trendline breakout doesn't necessarily lead to the formation of a trend in the opposite direction. Sometimes it can lead to a resumption of the same trend. A move upward that occurs after the first breakout above the resistance line is called a
. At the time it is occurring you don't know whether it is a full trend reversal or just a retracement. It is thus always wise to employ a stop loss.
A one or two bar break of the line that reverts back to the trend is called a
false breakout
. It is called false because it proves false your conclusion that the breakout will continue on the path of a trend reversal, when in fact it is just bait to lure the breakout traders into a losing trade that ultimately reverts back to the trend.
Traders have discussed different ways of confirming the validity of the breakout. One method is to wait for the close of the breakout bar; if the close is above above the downward trendline, it helps to confirm the breakout. The downside to this confirmation is that it forces you to get in on the trade later, and thus miss part of the move. Alternatively, master trader Larry Williams recommends that one consider the position of the
close of the day before
the breakout. If one is trying to work a buy breakout, and if the close is at or near the high, chances are good that it's a false breakout; if the previous day was a down close and then broke out, chances are the breakout is real and the market will go higher. The downside to William's confirmation is it forces you to doubt the breakout potential of bars that had a preceding bar close near its high, and thus you might miss out on breakout opportunities that proved genuine despite William's prediction. Thus, a filter for the close of the breakout bar or the preceding bar can cause traders to miss part or all of the breakout move, and it is sometimes best to trade without such filters, knowing ahead of time that the breakout can ultimately be a false breakout (and resumption of current trend), and that is why you are using stop losses.
Wrap Up
Ideally, once you have mastered how to draw good trendlines by hand or via automated indicators, you can zoom in and out on multiple time frames, searching for the time frame where it looks like traders are lining up to support a downward trendline support or a upward trendline resistance. To better determine if you should be taking bounces or breaks from these identified trendlines, you should be first familiar with the trend taking place on the larger time frame.
If the technical and fundamentals suggest that the larger trend is up, you would best to look for bounces from upward trendlines or breakouts from downward trendlines on smaller time frame intervals. If the technical and fundamentals suggest the larger trend is down, you would best to look for bounces from downward trendlines or breakdowns from upward trendlines on smaller time frame intervals.
Every once and while there is a break or bounce from a daily time frame itself, and if a definite break occurs, you should be prepared to switch gears; that is, if you were formerly bearish, you will be become bullish, and vice verse. The daily bar break is a powerful break, and a lucky opportunity if you can find it. However, if you miss the initial breakout of the daily bar, you can always play the retest, the pullback to the support or resistance bar that was just broken, allowing traders who did not get in on the initial breakout a second chance to get in. You would then have the benefit of having former support become resistance, and the former resistance become support. Once the new trend continues, you can always take advantage of the bounces or breaks on smaller time frames in the direction of the new trend until the next breakout/breakdown of the daily trend.
Trendline trading thus illustrated calls for the instincts of a hunter, inclining one to follow the path of the big game (the larger trend), at the same time tracking the zigs and zags of different time frames, trading with the herd on the bounces from "strong" trendlines, and setting traps (stop entries) on the breakouts of "weak" trendlines that dare to counter the larger trend.
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Indian drug makers gear up to fight swine flu
Reported April 29, 2009
the swine flu continues to spread from Mexico to others parts of the world, the
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Deep cleaning is a carpet-cleaning process that loosens and removes most harmful dirt and gound-in grit, which may be deep down in your rugs and carpets. Not only does it protect the investment you have in your home, but parents of young children, pet owners and allergy sufferers may find deep cleaning especially beneficial. Deep cleaning your carpet and upholstery will extend the life. Carpet and upholstery are major investments which are expected to last for a long time. Using the BISSELL Deep Cleaners in combination with the BISSELL Deep Cleaning Formulas, you can expect your carpet and upholstery to look newer and smell fresher.
On the average, it will take approximately 2-4 hours for carpet and upholstery to dry after being deep cleaned. To expedite the drying process, you will want to use a fan and increase your air circulation.
BISSELL Formulas are non-toxic; water based products which are not harmful to humans or pets when used as directed. Because birds have very sensitive respiratory systems, as a precaution they should be removed from any room in which you will be deep cleaning. You should always use cleaners with care and according to labeled product instructions.
The BISSELL Tough Stain PreCleaner should be used to pre-treat high traffic or stained areas. These are areas which demand extra attention due to higher use and/or abuse. The Tough Stain PreCleaner is available in a 22-ounce trigger bottle for manual application. You will need to apply this to the area, which requires the added attention. Please follow directions from the bottle for best results.
The BISSELL Fiber Cleansing Formula with Scotchgard Protector should be used to clean soil, debris, and common ground in dirt. The chemical is specially formulated to attack dirt and debris. When using in your full size BISSELL Deep Cleaner, you will notice great results.
First, pre-treat the carpet with BISSELL Tough Stain Precleaner. Then, clean the carpet with hot water and your BISSELL Deep Cleaning Machine with the SmartMix dial set to the high traffic. Make sure that three or four wet passes are taken for each section cleansed. The wet passes should be followed by at least two dry passes. When cleaning is complete, a recommendation would be to use a fan to expedite drying.
Almost all types of carpet can be deep cleaned with the BISSELL Deep Cleaners. For best results check with your carpet manufacturer's deep cleaning suggestions. For your upholstery, please check the care instructions. If the care instructions do not recommend using any water to clean, do NOT use the BISSELL Deep Cleaners or BISSELL cleaning formulas.
Mix 1 part liquid fabric softener with 5 parts water, mist the carpet lightly with a spray bottle. Then, let it dry. You may want to repeat every couple months. You may find a humidifier will help eliminate the static electricity.
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