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Showing 1-24 of 41 items found in Places to Stay
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Pasfield House Inn
Six roomy guest suites with individual thermostats, breakfast bars with personal regrigerators, private large Jacuzzi baths and amenities for discerning travelers. Personalized breakfast served in kitchenette, evening wine and cheese soiree. Business center with DSL (WIFI) and workout room. Full catering and beverage services available, classical architectural detail and interior design. Hospitality in a Grandeur Way.
The State House Inn - An Ascend Collection Hotel
Located in downtown Springfield, the State House Inn is right across the street from the Illinois State Capitol complex. The hotel is within walking distance of many historic sites, including the Abraham Lincoln Presidential Museum, as well as gay-friendly bars and restaurants.
Hilton Springfield
Explore Springfield from the contemporary Hilton Springfield hotel, located in the heart of downtown Springfield and just minutes from many popular attractions. The excellent downtown location of the hotel allows guests to enjoy the many historical attractions, quaint shops and cozy bistros that downtown Springfield offers.
Mansion View Inn & Suites
Conveniently located across from the Governor's Mansion, within walking distance to State Capitol and all state offices in downtown.
Route 66 Hotel
108 room facility with 5800 square feet of banquet and meeting space, outdoor heated pool and on-site bar & grill. Nostalgic atmosphere.
Hilton Garden Inn
Hotel is just 5 miles from the State Capitol, Convention Center and Lincoln Attractions. Shopping, over 20 restaurants and movie theater within 4 blocks. Lake Springfield with parks, fishing and boat ramps within 1 mile. Whether you're traveling for leisure or business, Hilton Garden Inn can accommodate you. And, for your family's comfort and convenience the hotel offers cribs, high chairs, playpens and a kid-friendly menu.
Comfort Suites Springfield
Beautiful all suite hotel. Whirlpool bathtubs, microwaves & refrigerators in every room. Indoor heated swimming pool. Continental breakfast included.
Drury Inn and Suites - Springfield
The Drury family has provided travelers like you with squeaky clean rooms, friendly service and good value for over 25 years. Family ownership makes Drury Hotels distinctly different and assures you of quality and consistency everytime you stay.
Courtyard by Marriott - Springfield
Located 1/2 mile south of White Oaks Mall. A unique courtyard area designed for your relaxation.
The Lodge - Springfield
Two-story motel with 4 buildings, free parking, outdoor swimming pool, full-service restaurant and lounge and cable TV with HBO. Front desk is staffed 24 hours daily.
Hampton Inn & Suites
Featuring deluxe comp. hot breakfast bar, indoor pool and whirlpool, fitness center, suite shop, business center. Refrigerator/microwaves, cable TV/HBO, coffeemakers, hairdryers, irons, Free local phone calls. No pets. Internet connection available.
Hampton Inn - Springfield
Located just off I-55, approximately 10 min. downtown, adjacent to a shopping plaza and many resturaunts; complimentary breakfast bar; indoor pool, whirlpool and work-out facility; all rooms include in-room coffee-makers, hair dryers and iron with board.
Carpenter Street Hotel
Fifty-six rooms all non-smoking, including 3 handicap rooms, 2 rooms with microwave and refrigerator and kitchenette. Guest laundry, free continental breakfast.
Inn at 835
National Historic Registrar and city landmark. Antique-filled inn, private baths, full breakfast and evening wine.
Candlewood Suites Hotel
Long term hotel with 110 suites, conference facilities, internet access, laundry facilities, cable TV, pets accepted, discounts available, voucher capabilities.
The Rippon-Kinsella House
This 1871 Victorian retreat is set on half an acre of beautifully landscaped grounds. Located in a quiet Springfield neighborhood, the house is within walking distance of Lincoln's Tomb and 10 minutes away from downtown historic sites.
Quality Inn & Suites
Sixty-six rooms, indoor pool and whirlpool, free deluxe continental breakfast, free cable and Showtime, business classrooms with 2 phone lines, suites with microfridge, iron w/ boards, hairdryers and coffee pots.
Staybridge Suites South
Conveniently located 7 miles from the downtown area at Exit 93. Kitchenettes in all rooms as well as high-speed internet access. A sports court, business center and evening reception highlight the property.
Magnuson Grand Hotel & Conference Center
This Magnuson Hotels affiliate is within driving distance to the University of Illinois at Springfield, Lincoln Land Community College, Abraham Lincoln Presidential Museum, golf courses, and shopping areas. Guests will enjoy relaxing in the 10 acres of flowered gardens with gazebo and fish pond, an indoor pool, free wireless internet, local cuisine at the Captain's Table Restaurant, refreshments at the Yacht Club Lounge, exercise facilities, meeting space is available, pets are welcome with additional charges and some restrictions. Rooms feature either one king bed or two double beds, patio, free wireless internet access, cable TV with extra stations, air conditioning, free local calls, coffeemaker, hairdryer, microwave, mini-fridge, alarm clock, and iron and board. Poolside rooms may be available upon request for an additional charge.
Inn at 835
Springfield's only Nationallly Landmarked Inn... The Inn offers 13 guest rooms plus six extended stay suites, all with attached private bathes, internet, Wi-Fi, voicemail, wake-up calls and individual thermostatic room controls. Enjoy the Inn's amenities during your stay; a full Midwestern breakfast, local and national newspapers, and free off street parking. During your visit you will be within walking distance to most historic sites, all of the downtown and public transportation.
29 West Motel
This charming and quiet facility is nestled in between a beautiful garden and trees. It is conveniently located close to shopping areas and restaurants. 24 well-maintained rooms with discounts available for pool and exercise room use.
Super 8 Lodge South - Springfield
Newly renovated property with ample parking space. Right next to Interstates 55 & 72. Lots of restaurants nearby.
Stevenson Inn
Free continental breakfast, HBO with 50 cable channels, dataport phones, jacuzzi rooms, restaurants within walking distance.


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DuraFlex AL Collection DuraFlex AL Kit - 6 Inch x 25 Feet (Includes: DuraFlex AL Length, DuraFlex AL Cap, DuraFlex AL Top Plate, and DuraFlex Mortar Sleeve)
This DuraFlex AL DuraFlex AL Kit - 6 Inch x 25 Inch (Includes: DuraFlex AL Length, DuraFlex AL Cap, DuraFlex AL Top Plate, and DuraFlex Mortar Sleeve) is the ultimate in flexible components for strength and flexibility. Kit includes: DuraFlex AL Length, DuraFlex AL Cap, DuraFlex Top Plate, and DuraFlex Mortar Sleeve. Flex lengths .
- Inner Diameter: 6"
- Fuel Types Compatible With: Gas, Liquid Propane
- UL Listed: Yes
- Length: 300"
- Kit Includes: Top Plate, Cap, Connector, Pipe Length
- Double Wall Construction
- Limited Lifetime Warranty
An economical venting system used for relining masonry chimney for natural gas or liquid propane category I, draft hood equipped appliances, and appliances tested and listed to use Type B Gas Vent for a wide range of applications, including: natural gas fireplaces, gas-fired furnaces, boilers, water heaters, and wall or space heating applications. Protects the masonry chimney from damaging effects of flue product condensation.
Looking for Simpson Dura-Vent? You found it! Simpson Dura-Vent has changed their name to DuraVent. DuraVent is a recognized technological leader in the venting industry. Consistently the first to market with new innovations in venting systems, DuraVent has captured a leadership position in emerging markets. DuraVent has patents for several products and continues to design safe and technologically advanced venting. The company's research into solving problems with corrosion, when biofuels such as corn are used, led to the break-through patent for PelletVent Pro. Scientifically proven materials and unequalled engineering make DuraVent products not only the best choice, or safest choice, but the only choice for professional quality venting products.
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This DuraVent item can also be referenced by the following color/finish specific model #:
- DuraVent 6DFA-25K
*Discontinued model or finish
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Discover the best online deals for the 6DFA-25K and everything else for your home from the leading online home improvement store.
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Whether you are installing the product yourself or hiring a professional, our installation Resource Center has everything you need to get your project done. Visit the Installation Resource Center to get started.

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David Rothkopf, CEO of Garten Rothkopf and author of Superclass: The Global Power Elite and the World They are Making, mulls over the research in his latest social macroeconomic tome. He iterates a wealth of trends and statistics on the ever-broadening gap between rich and poor, and how true global influence is the product of a shockingly small handful of global players.
Dr. Diamandis is the Chairman and CEO of the X PRIZE Foundation, which awarded the $10,000,000 Ansari X PRIZE for private spaceflight. Diamandis is focused on building the X PRIZE Foundation into a world-class prize institute. The X PRIZE is now developing X PRIZEs in Genomics, Automotive, Education, Medicine, Energy, and Social fields. He is also an international leader in the commercial space arena, having founded and run many of the sector's leading entrepreneurial companies. Diamandis serves as the CEO of Zero Gravity Corporation, a commercial space company developing private, FAA-certified parabolic flights utilizing Boeing 727-200 aircraft. In addition, he is the chairman and co-founder of the Rocket Racing League. Diamandis is a co-founder and director of Space Adventures, the company that brokered the launches of four private citizens to the International Space Station. In 1987, Diamandis co-founded the International Space University (ISU), where he served as the University's first managing director. Today he is a trustee of the $30M ISU, based in Strasbourg, France. Prior to ISU, Diamandis was chairman of Students for the Exploration and Development of Space (SEDS), an organization he founded while earning his undergraduate degree in molecular genetics and graduate degree in aerospace engineering at MIT in 1980. SEDS is the world's largest student pro-space organization. After MIT he attended Harvard Medical School, where he received his M.D. In 2005 he has was also awarded an honorary Doctorate from the International Space University. Diamandis is the winner of the 2007 Arthur C. Clarke Award for Innovation, the 2006 (inaugural) Heinlein Award, the 2006 Lindbergh Award, the 2006 Wired RAVE Award, the 2006 Neil Armstrong Award for Aerospace Achievement and Leadership, the Konstantine Tsiolkovsky Award, twice the winner of the Aviation & Space Technology Laurel, and the 2003 Worl
As the president of Yahoo! Inc., Susan L. Decker is a key participant in determining Yahoo!'s business strategy and vision. She is responsible for all of the global business operations of Yahoo!, including sales, product marketing, and distribution across the three major customer groups of audience, advertisers, and publishers. Prior to that, from December 2006 - June 2007, she served as the head of one of Yahoo!'s two major business units, the Advertiser and Publisher Group (APG). In that role, she was instrumental in developing the company's recent reorganization plan and strategy to transform how advertisers connect with their target customers online. Preceding her work with APG, Decker was Executive Vice President and Chief Financial Officer for seven years, managing all aspects of the company's financial and administrative direction within key functional areas, including finance, facilities, investor relations (and human resources and legal through December 2006). Decker served on the board of directors of Pixar Animation Studios from June 2004 to May 2006 until its sale to Disney, and currently serves on the board of directors for Berkshire Hathaway, Intel Corporation, and Costco Wholesale. She holds a Bachelor of Science degree from Tufts University, with a double major in computer science and economics, and an MBA from Harvard Business School.
Dr. Larry Brilliant is the Executive Director of Google.org, where he leads major initiatives aimed at reducing global poverty, improving the health of the least advantaged in the world, and working to halt the effects of the climate crisis. Larry is an M.D. and M.P.H., board-certified in preventive medicine and public health. He is a founder and director of The Seva Foundation, which works in dozens of countries around the world, primarily to eliminate preventable and curable blindness. He serves as a member of the strategic advisory committee for Kleiner Perkins (KPCB) Venture Capital and also sits on the boards of The Skoll Foundation, Health Metrics Network, Omidyar Networks Humanity United, and InSTEDD, an organization bringing technological tools to improve disaster response. In addition to his medical career, Larry co-founded The Well, a pioneering virtual community, with Stewart Brand in 1985. He also holds a telecommunications technology patent and has served as CEO of two public companies and other venture-backed start-ups. The author of two books and dozens of articles on infectious diseases, blindness, and international health policy, Larry has worked at every level of government. He was recently a "first responder" for CDC's smallpox bio-terrorism response effort, volunteered in Sri Lanka for tsunami relief, and established an interdisciplinary consultancy to prepare for possible pandemic influenza. Larry lived in India working as a United Nations medical officer for more than a decade where he played a key role in the successful World Health Organization (WHO) smallpox eradication program and has recently worked for the WHO polio eradication effort as well. He was Associate Professor of epidemiology, global health planning and economic development at the University of Michigan. Larry earned a Masters in Public Health in health planning and economic development from the Univ
John G. Melo is the Chief Executive Officer of Amyris Biotechnologies, a synthetic biology company working to reduce the cost of curing malaria and producing lower carbon, second generation bio-fuels. He was previously president of U.S. Fuels for BP, where he led one of the world's largest petroleum marketing, logistics, and trading businesses. While in this role he successfully grew revenues from $25 billion to $34 billion and increased net cash by $1 billion. During this time his team developed one of the world's most successful ethanol blending and marketing businesses. He also worked on the development of BP's "Helios" re-branding. Prior to his eight years with BP, Mr. Melo was a director with Ernst & Young in San Jose, California, and a management team member for several Northern California start-ups, including Computer Aided Services and Alldata Corporation. John serves on the Board of Directors for U.S. Oil, a $1.6 billion energy company, and Cilion, a leading low-cost ethanol manufacturer. John is a member of the Economic Club of Chicago, The Chicago Club, The Chicago Council on Global Affairs, and YPO. He enjoys visiting his home country of Azores, Portugal, as well as skiing, biking, tennis, golf, and time with his children.
Beth joined Kleiner Perkins Caufield & Byers in May 2005 to work in life sciences. For the past 20 years, she has focused her career on introducing new innovative treatments for AIDS, arthritis, asthma, cancer, psoriasis, cardiovascular, metabolic, neurological and renal disorders. Seidenberg has introduced 10 innovative products to market and achieved over 40 regulatory approvals, including new indications and formulations, worldwide. These products have been successfully commercialized and provided benefits to millions of patients with grievous illnesses, and they have generated several billion dollars of revenue. Prior to joining KPCB, Beth was Senior Vice President, Global Development, and Chief Medical Officer at Amgen, Inc., the world's largest biotechnology company. During Beth's three years there, her responsibilities included all stages of clinical research, regulatory affairs, safety, health economics/reimbursement and medical affairs. During her tenure, five innovative products were approved for commercial use. Prior to joining Amgen, Beth was a senior executive in research and development at Bristol-Myers Squibb Company and Merck & Co., Inc. She began her career in basic and clinical research at the National Institutes of Health specializing in immunology and infectious diseases. Beth received her BS from Barnard College magna cum laude, Phi Beta Kappa; and her medical degree from the University Of Miami School Of Medicine, alpha omega alpha. Her post-graduate training was completed at Johns Hopkins, George Washington School of Medicine and the National Institutes of Health. She is a member of the Johns Hopkins Bloomberg School of Public Health Advisory Board and Barnard College Science Advisory Board.
Beth Seidenberg, partner at venture firm Kleiner Perkins Caufield & Byers, speaks at length about KPCB's current areas of interest, and its litmus test for projects worth supporting. Seidenberg also offers a case study of a life sciences firm moving from research lab toward market.
Steve Blank is a retired serial entrepreneur with over 30 years of experience in high technology companies and management. He is a Consulting Professor at Stanford in the Graduate School of Engineering STVP Program. Steve has been a founder or participant in eight Silicon Valley startups since 1978. His last company, E.piphany, started in his living room. His other startups include two semiconductor companies (Zilog and MIPS Computers), a workstation company (Convergent Technologies), a supercomputer firm (Ardent), a computer peripheral supplier (SuperMac), a military intelligence systems supplier (ESL) and a video game company (Rocket Science Games). Steve is on the board of CafePress.com, an on-line marketplace, and IMVU, a 3D IM social network. Steve was appointed by Governor Arnold Schwarzenegger to the California Coastal Commission and is the Chairman of Audubon California and on the board of the Peninsula Open Space Trust (POST.) His Google Tech talk, "The Secret History of Silicon Valley" (available on YouTube) is one of the definitive views on the early history of innovation in Silicon Valley. Steve teaches entrepreneurship and a methodology of managing marketing, sales and business development in high technology startups. His course text "Four Steps to the Epiphany" is the definitive work on Customer Development and is one of the foundations of Lean Startups.
With a decade of experience in venture capital, Erik has been a catalyst for Cleantech in Silicon Valley and abroad. He leads MDV's Cleantech investment team and applies his expertise in areas of solar, biofuels, energy storage, industrial biotech and clean coal. Prior to MDV Erik worked at Interval Research Corp., a technology incubator funded by Paul Allen, and at Los Alamos National Laboratory as a technical staff member. He also consulted to several seed and early stage venture capital firms. While pursuing a PhD in engineering at Stanford, Erik led an interdisciplinary project between the electrical, mechanical, and civil engineering departments to develop a next-generation monitoring system for critical facilities. He holds a U.S. patent from his research work. Erik serves on the advisory council of the Stanford Precourt Institute for Energy Efficiency, as well as on the advisory boards of the Stanford Technology Ventures Program (STVP), Stanford's BASES, NVCA Cleantech Council, and Cleantech Venture Network. He is a winner of the 2006 World Technology Award for Finance, presented by the World Technology Network, in association with the New York Stock Exchange (NYSE), Dow Chemical, Cisco, TIME magazine, Fortune magazine, Science magazine/AAAS, Red Herring, and CNN. Erik earned a bachelor's degree in engineering from Harvey Mudd College and both doctoral and master's degrees from the Stanford University School of Engineering.
William McDonough is an internationally renowned designer and one of the primary proponents and shapers of what he and his partners call 'The Next Industrial Revolution.' Time magazine recognized him in 1999 as a 'Hero for the Planet', stating that "his utopianism is grounded in a unified philosophy that-in demonstrable and practical ways-is changing the design of the world." Time magazine again recognized Mr. McDonough and Michael Braungart as "Heroes of the Environment" in October 2007. In 1996, Mr. McDonough received the Presidential Award for Sustainable Development, the nation's highest environmental honor; and in 2003 earned the U.S. EPA Presidential Green Chemistry Challenge Award. In 2004 he received the National Design Award for exemplary achievement in the field of environmental design. In October 2007, Mr. McDonough was elected an International Fellow of the Royal Institute of British Architects. Mr. McDonough is the founding principal of William McDonough + Partners, an internationally recognized design firm practicing ecologically, socially, and economically intelligent architecture and planning in the U.S. and abroad. He is also principal of MBDC, a product and systems development firm assisting prominent client companies in designing profitable and environmentally intelligent solutions. Mr. McDonough is a Venture Partner at VantagePoint Venture Partners in San Bruno, California. Mr. McDonough is an Alumni Research Professor at the University of Virginia's Darden Graduate School of Business Administration, and Consulting Professor of Civil and Environmental Engineering at Stanford University. He also serves as U.S. Chairman and member of the Board of Councilors of the China-U.S. Center for Sustainable Development. He is part of the Management Committee of HRH The Prince of Wales's Business & The Environment Programme at Cambridge University. From 1994-1999, Mr
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12 CFR 701.20 - Suretyship and guaranty.
Title 12 published on 2014-01-01
no entries appear in the Federal Register after this date.
Title 12 published on 2014-01-01
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 12 CFR 701 after this date.
GPO FDSys XML | Text type regulations.gov FR Doc. 2014-18524 RIN 3133-AE39 NATIONAL CREDIT UNION ADMINISTRATION Notice of proposed rulemaking. Comments must be received on or before October 10, 2014. 12 CFR Part 701 The NCUA Board (Board) proposes to amend its regulation governing federal credit union (FCU) ownership of fixed assets to provide regulatory relief and to help FCUs better manage their fixed assets. The proposed rule provides greater flexibility to FCUs by removing the waiver requirement for FCUs to exceed the five percent aggregate limit on investments in fixed assets. An FCU that chooses to exceed the five percent aggregate limit may do so without prior NCUA approval, provided it implements a fixed assets management (FAM) program that demonstrates appropriate pre-acquisition analysis to ensure the FCU can afford any impact on earnings and net worth levels. An FCU's FAM program is subject to supervisory scrutiny and must provide for close ongoing oversight of fixed assets levels and their effect on the financial performance of the FCU. It must also include a written policy that sets an FCU board-established limit on the aggregate amount of the FCU's fixed assets. In addition, the proposal simplifies the partial occupancy requirement for premises acquired for future expansion.
GPO FDSys XML | Text type regulations.gov FR Doc. 2014-14889 RIN 3133-AE36 NATIONAL CREDIT UNION ADMINISTRATION Proposed rule. Comments must be received on or before August 25, 2014. 12 CFR Parts 701 and 722 As part of NCUA's Regulatory Modernization Initiative, the NCUA Board (Board) is proposing to revise two of NCUA's regulations regarding appraisals. Firstly, the Board is proposing to amend NCUA's regulations to eliminate the now duplicative requirement that federal credit unions (FCUs) make available, to any requesting member/applicant, a copy of the appraisal used in connection with that member's application for a loan secured by a first lien on a dwelling. A recent amendment to the Consumer Financial Protection Bureau's (CFPB) Regulation B requires that all creditors, including FCUs, now automatically provide applicants with free copies of all appraisals and other written valuations developed in connection with an application for a loan to be secured by a first lien on a dwelling. Secondly, the proposed rule would amend NCUA's appraisal regulations by expanding the current exemption for certain transactions involving an existing extension of credit. Under the expanded exemption, federally insured credit unions (FICUs) would be able to refinance or modify a real estate-related loan held by the FICU, without having to obtain an appraisal, if there is no advancement of new monies or if there is adequate collateral protection, even with the advancement of new monies. The proposal would also make a minor technical amendment to the definition of the term "application." These changes will modernize NCUA's regulations by better aligning them with the modern marketplace, while also reducing costs for FICUs and their members, and removing outdated regulatory requirements.
GPO FDSys XML | Text type regulations.gov FR Doc. 2014-09812 RIN 3133-AE31 NATIONAL CREDIT UNION ADMINISTRATION Proposed rule with request for comments. Comments must be received on or before June 30, 2014. 12 CFR Part 701 The NCUA Board (Board) proposes to amend the associational common bond provisions of NCUA's chartering and field of membership rules. Specifically, the amendments establish a threshold requirement that an association not be formed primarily for the purpose of expanding credit union membership. The amendments also expand the criteria in the totality of the circumstances test, which is used to determine if an association, which satisfies the threshold requirement, also satisfies the associational common bond requirements and qualifies for inclusion in a federal credit union's (FCU) field of membership (FOM). The amendments will help to ensure FCU compliance with membership requirements. Additionally, NCUA proposes to grant automatic qualification under the associational common bond rules to certain categories of groups that NCUA has approved in the past after applying the totality of the circumstances test.
GPO FDSys XML | Text type regulations.gov FR Doc. 2014-01702 RIN 3133-AD77 NATIONAL CREDIT UNION ADMINISTRATION Proposed rule. Comments must be received on or before May 28, 2014. 12 CFR Parts 700, 701, 702, 703, 713, 723, and 747 The NCUA Board (Board) is proposing to amend NCUA's regulations regarding prompt corrective action (PCA) to restructure the part, and make various revisions, including replacing the agency's current risk-based net worth requirements with new risk-based capital requirements for federally insured "natural person" credit unions. The proposed risk-based capital requirements would be more consistent with NCUA's risk-based capital measure for corporate credit unions and the regulatory risk-based capital measures used by the Federal Deposit Insurance Corporation, Board of Governors of the Federal Reserve, and Office of the Comptroller of Currency (Other Federal Banking Regulatory Agencies). In addition, the proposed revisions would revise the risk-weights for many of NCUA's current asset classifications; require higher minimum levels of capital for federally insured natural person credit unions with concentrations of assets in real estate loans, member business loans (MBLs) or higher levels of delinquent loans; and set forth the process for NCUA to require an individual federally insured natural person credit union to hold higher levels of risk-based capital to address unique supervisory concerns raised by NCUA. The proposed revisions would also eliminate several of NCUA's provisions, including provisions relating to regular reserve accounts, risk-mitigation credits, and alternative risk-weights.


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The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of the Arizona Regional Multiple Listing Service, Inc. Real Estate listings held by brokerage firms (licensees) other than Weichert Realtors are marked with the ARMLS logo and detailed information about them includes the name of the listing brokers.
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The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Data is updated as of 5/7/2015.


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National Drought Mitigation Center
The NDMC maintains a database of drought and management plans for states, watersheds, tribes, counties, and cities. You can view the drought and management plans below.
The NDMC has additional hard copies of some plans, particularly older ones. For more information about these resources, please contact Ann Fiedler.
If you have recently completed a drought plan, please make every effort to make this valuable public document available on the web, and notify us at the NDMC so we can link to it. If you are unable to publish your drought plan on the web, please consider placing it on our website. Contact us for further information.


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Well it is not good to comment on it before time, we need to wait for it as some of the provisions are already in effect and in JAN 2014 next provisions will take into effect and we hope that it will work better for everybody.
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Reader comments are listed below. Comments are currently closed and new comments are no longer being accepted.
Well it is not good to comment on it before time, we need to wait for it as some of the provisions are already in effect and in JAN 2014 next provisions will take into effect and we hope that it will work better for everybody.
Find Me An Advisor
Some of the provisions have already taken into effect like patients with preexisting conditions are being covered, also some coverage of Medicare to the senior citizens etc. I have no doubt most of the ground will be covered by Jani,2014 for full implementation of the Bill. In fact everyone should cooperate to make this a success instead of exhibiting doubts.
Of courser the pre-existing coverage option was terminated, because of under enrollment and over spending
"At present the uninsured receive "free" treatment at hospitals, with states picking up part of the bill."
This is the most horrible misunderstanding about U.S. health, perhaps, ever. The uninsured receive no free care -- they receive massive bills, calls from bill collectors, and invitations from lawyers to take on their cases in bankruptcy court.
I'm shocked that The Economist can't do better than piggyback on Mitt Romney's myth of 'free' emergency room care.
I thought the Health Insurance Exchange will work like a stock market but with a certain degree of Government leverage.
So it won't be a free-market, and individuals won't be getting the most expensive price tag due to govt interference?
I don't know, but healthcare system shouldn't be tied with "free market" in any sort of sense.
But the govt needs some way to leverage this monster with market power. I see this as using unnecessary money to excite potentially new business related to healthcare.
Why so negative? Why's America pouring twice the amount into healthcare than other nations for a crappy medical system? sounds pretty wrong for the world's only super power...
Kids: If the 'free-market' was as efficient and effective as it purports to be, then we would not be having this debate and all would be enjoying (bar genetics) good health. The 'free-market', at the best of times, is a dog-eat-dog chaotic myth, exclusionary and benefits only the political oligarchs and their corporate henchmen. Otherwise, show me where its working?
Interesting... there's a $2 Trillion government, the government is 40% of the economy, and you've managed to convince yourself that there's a free market? You're even more cynical than I am about government effectiveness. You think the government can go through $2 Trillion and have nobody notice, and yet still think the government ought to have more money doing what you yourself think is spent on... defense spending maybe?
McGenius...learn to read
Fact: All people need health care at some point in life (remember, we're all born).
Fact: People aren't currently receiving health care in the USA.
Question: Please provide, with concrete examples, a plan for a completely free market meeting the comprehensive health care needs of an unemployed single father or mother with Stage IV cancer.
Fact: all people need food, clothing, and housing, etc..
Perhaps we should also have an obamafood, obamaclothing, and obamahousing as well. Michelle is already trying to get her hands into our pantries so that might not be so far off.
I guess if you're asking me about stage 4 cancer, I'm guessing I can't use you as an example. Can I use you as an example for helping anyone or is all good done through government and taxes?
Off the top of my head I can think of "doctors without borders". I don't know if they handle cancer patients but they volunteer and I have no doubt they do good work. It's up to debate if the government would pay for a stage 4 cancer patient. To quote Obama, a stage 4 cancer patient may be better off taking a pain pill then alternative approaches.
One other note- 3 greedy private companies have come up with new drugs to tackle cancer. I would dare say much of the advances in medical care has been a result of the free market- of big pharma.
First, the majority of those private companies' research dollars come from the government.
Second, what if Doctors Without Borders is too busy taking care of cancer patients in an actually poor country with severe governance problems -- say Somalia -- then do we just let the cancer patient die?
Rationing medical care (i.e. the ability to stay alive) by ability to pay is savage, barbaric and cruel. I hope you don't call yourself 'pro life'.
First off- the majority of research dollars don't come from government. If they did we would have solyndras all over the place in the pharmaceutical industry with Obama picking winners and losers and Obama has a knack for picking losers.
Second, despite what you were taught, there are finite resources in this world. The difference here is that politicians, who know nothing about health care, will be making the decisions regarding who gets what. Third, again, plenty of doctors and institutions do volunteer work that has helped many of a patient. Religious institutions are heavy players in the medical field. You have plenty of time to google yourself what institutions are doing what. To suggest that without government taxing and regulating that nothing gets done is willfully ignorant. To suggest that a government program will solve a problem is ignorant as well. We have the massive unpaid for war on poverty going on 50 years and poverty seems just as common now as it was then. Somehow obamacare will be any different?
Cool, so does this mean you will also oppose the investment bankers who know nothing about health care and run the so-called 'free market' health insurance companies? Health insurance companies, I might add, that receive subsidies in the billions of dollars from government through tax policy that frees employer dollars spent on insurance from taxation.
I never said that government needs to do everything -- and take exception to your labeling me ignorant -- but it is objectively true that in terms of financing health care -- if we also care about equity and efficiency -- the government does a way better job than the 'private sector' (whatever it is that the private sector actually is...).
SWEET!!! We're getting into the groups of people that the left and Obama hate. The left has so many arbitrary groups of people on their hate list. Start throwing in some references to white southerners as well. Give a reference to people wedded to God and their guns:)
Quite frankly I would like to decide for myself how my healthcare is addressed. If it were my way I'd pay the doctor myself with no middlemen. I believe obamacare makes that illegal. Obamacare demands a middleman. I demands that someone else not me have input to the treatments that I receive.
To your larger point, there is no equity in life. For example, as declared by the media, Obama is the coolest guy in America. No matter what you or I do, we'll never be as cool as he, and cool guys get taken care of. when was the last time you took a 7 million dollar government financed vacation. You never will but he expects nothing less. Im guessing you're also not a starter on the Dallas cowboys. At the moment you were conceived life was unfair. The government ain't going to make fair everything in life. The government can't correct God's "mistakes". You need to get that out of your system right away. Life, almost by definition, is unfair.
The private sector at leasts allows everyone to do the most with what they got. Government makes everything a function of politics. If you've ever worked on something that got bogged down by politics, perhaps obamacare itself, you know what I mean. The leftist solution is to then go dictatorial, which Obama has a streak of that within him, but then we venture to crazy land.
To your earlier question, if obamacare is about the patient with cancer who has no insurance, how come so much of it involves regulating me who does not have cancer and who has insurance? aren't there simpler approaches?
I never understood why this bill was so popular among the college-educated liberals and hipsters in America.
Do they really want this burdensome extra tax, requirement of obtaining insurance, and increases in costs?
Do they not know what the hell this is about and just desire from a Santa Claus "free health care like in Sweden"?
Or do they favor it specifically because they know increasing regulation and intervention in health care is leading to the demise of a free market there, which they believe will eventually lead to their goal of nationalization and excellent "free health care"?
I just don't want to keep having to pay for the uninsured.
The different taxes don't apply to everybody and are the price to pay for universal coverage. I want there to be a requirement to obtain insurance (because of my first sentence). The alternative is to eliminate the law mandating emergency rooms care for any patient who comes in, and I am not heartless enough to support such an idea. And the idea that it increases costs is unproven until it actually happens, like the article says. Costs will continue to go up, the real question is whether the rate at which they go up increases or decreases. I have seen strong academic research predicting both conclusions.
Those without insurance don't need Santa; health care is already free for them. Again I am tired of paying for it. They need to get their own insurance.
And oh yes, the demise of the free market. I think that is called reduction to the absurd.
In addition to C.M. above, educated liberals in the US also like the idea of health-related security that's independent of a particular job. Universal insurance provides peace of mind and makes the labor market much more efficient. Young people generally change jobs more often and like the idea that their benefits don't have to be tied to their particular employer.
They also care about other human beings and see a status quo that's failing to either provide healthcare OR control costs and see the bill as doing both better.
Interesting approach to life-
If one sees one in need of health care, I would think the simplest, most direct, and most charitable way to help that person would be to donate your own personal time and money to help that person. You wouldn't take that approach. You see the situation and instead of helping the person yourself, you call up the government and ask them to compel your neighbor (by force if necessary) to contribute his time and money. In your mind, compelling your neighbor through force is the charitable thing to do. It is definitely an interesting approach to life.
Regarding costs going up- you know costs are going up and to pretend otherwise is willfully being ingnorant. It's ironic that you reference acadamia- an area of the most strident cost increases making health care itself look cheap.
For those with insurance, health care is NOT free. Health care is provided as a condition of their employment and their regular pay keeps getting a bigger and bigger cut to pay for it.
Finally, according to Obama, you don't pay for anything. He said the rich don't pay enough and has never said that you ought to pay more. The rich and smokers pay for health care, or at least any increases in it... so the situation is even worse... you're making no sacrifices what so ever and demanding upon penalty of prison that your rich or smoking neighbor pays for it all.
Tell me what is heartless.
Tell me what is heartless now.
Young people believe that buearacrats with millionaire sized pensions that the young will never see are best at keeping health care costs in check? What exactly have you taught these young people- a good percentage who now pay nothing and are unemployed.
Maybe people should receive food and housing that is independent of having a job? What say the young people to that? Maybe we can draw out a list of all the things/needs everyone should get independent of a job? Do the fewer and fewer employed young people wonder why they're in the labor market when the increasing unemployed young people gets lots of stuff for not being in the labor market?
Those young people... what have you been brainwashing them with?
You misunderstand completely: having health insurance not tied to a job means that you pay for it with your own money and it travels with you, instead of relying on your employer to set up a plan and put you on it. Do you really think that it's my boss's job to manage my health insurance and not my own? Shouldn't I be allowed to be a healthcare consumer myself, rather than only as an employee? My food and housing aren't tied to a job because I purchase those things myself. Are you a big fan of company towns?
Well... in that case, you are most intelligent. You and I are in agreement.
A contract for a job that I had in the past ended, and then I realized that not only would I lose my job but I would also lose my health care. If they simply left it up to me to purchase my own, I would not have had that difficulty. Thanks to the geniuses in DC the market is so distorted on compensation that I'm practically compelled to get it from my company as opposed to purchase it myself...
You are most wise.
You completely distort what I said, probably purposely but let me see if I can elaborate.
Costs are going up. I think I mistyped, but the next sentence should have offered a clue. It is the rate of cost increases that is being argued about. Inflation will always make costs go up. But will the Affordable Care Act reduce those cost increases or accelerate them. It is hotly debated in academia.
And yes the cost increases in academia are truly upsetting, but not as important as those in healthcare, not yet at least.
I know healthcare is not free for those with insurance. I said it was free for those without insurance. This makers me think you were distorting my comment deliberately. I have health insurance. It is expensive. Far from free. The reason being I am not just paying for myself but also those who don't have it. It is reflected in the premium.
There is no prison penalty. Fox News was wrong like always. And I would never support such a thing. I am demanding those who refuse to take personal responsibility and purchase their own health insurance be taxed extra so that they are not free riding. For those who can't afford healthcare. we should assist them (healthcare exchanges, ability to stay on parents plan longer, etc).
Interesting approach to life. That paragraph is so far from the truth. Every time I make an insurance payment or pay my taxes I am donating my money to those people who can't afford healthcare. I volunteer regularly to take care of the sick and the poor. Almost as much as I work. Providing ways for my neighbor to be able to afford his own healthcare, and so not be dependent on me, seems like the charitable thing to do.
I love when people on these blogs act as if they know the person they are talking to. You tell me what I would and wouldn't do, rather than engaging in substantive debate. I am sure you are a decent person with good intentions, but if you don't understand the issues (which you clearly don't) just ask for explanation. I will gladly assist you.
I was responding to the question why college aged liberals like the Affordable Care Act. I am a college aged liberal, who despite having to pay off loans for school and other everyday expenses, manage to afford my own health insurance. Others should take that responsibility, rather than just let an overburdened kid like me subsidize them. If they are unwilling, they should be taxed. If they are unable, they should be helped. I try to do my fair share, but too many others ignore the plight of millions of Americans without health insurance. It is about time the government legislated a private sector solution to this problem, helping both those uninsured and those like myself who are overstretched trying to help those with less than us.
Good day
Academia debates many things and when you talk your way through it there are slights of hand and the consequences unacceptbale. Perhaps health care costs might not go up but... you'll have the same health care as the guy living in the bushes.
There's no prison penalty? Well, to be honest, I haven't read the bill, and neither has the President, and neither have you, so we all have the same understanding of it. If the Supreme court called its implementation a tax, any tax I know causes a beat down if its not paid. You may have found a (legal?) way around such things, but please be honest with yourself. There will be repercussions brought about by the state if it is not obeyed. Try not to think your away into incoherence... a common problem in academia.
"Others should take that responsibility, rather than just let an overburdened kid like me subsidize them. If they are unwilling, they should be taxed. If they are unable, they should be helped."
Directly, so the person who refuses to take responsibility for their kid- why is my life being dictated to? I didn't do anything wrong. Why is the what, when, how I can buy insurance being dictated because of the bum down the street? If you think this is the issue the exchanges are fixing, you are woefully wrong. If that's the problem being solved, there are far simpler solutions... If there are simpler solutions, why the insistance on an overarching solution that turns over such a huge portion of the economy and still manages to leave people uninsured? It ain't about health care. It's about power.
Government doesn't legislate private sector solutions just like the government doesn't legislate freedom. Your freedom isn't the cause of anything that the government does. Government may exist to protect your freedom but legislate it, that it does not.
If you're overstretched, the government, taking from your neighbor, then taking its cut, and giving you the remainder, ain't the solution to that either. Freedom is the answer.
I read your post... American politics is very bipolar. There are those who wish less freedom, and those that want more. I used to think environmentalism was about the environment, then accepting that no environmentalist has ever pushed to allow people to live their own lives- only to regulate them.
Anyways, I'm rambling... Weather your issues get solved might be up for debate. Weather the government gets larger and more powerful and heavy on the populace- that there's no question. And you'll find this to be the main point in issue after issue... especially with Obama. It's about POWER!!!
Ok I am just going to respond shortly because now I know your not a bad guy, just a bit uninformed (or perhaps misinformed) yet still assuming too much.
I have read the bill. Every page of it. I wouldn't be able to tell you everything in there...my memory is not that good. But here you are trying to pretend you know me again.
No one has refused to take responsibility for their kid. I am 21 years old. My parents offer help all the time, but I will take my own personal responsibility at this point. It is sad that people twice my age haven't decided to do the same (and again for those who can't afford it there needs to be more done to help them.
You keep saying the government will dictate all your healthcare decisions. That is not true. Private insurance will still be the driving force in the market.
Please expand on your simpler solutions to fixing healthcare. I would love to here how such a simple solution could fix such a complex problem.
It is still about healthcare. Environmentalism is still about the environment. You are definitely correct that there are always people who try to hijack a movement for their own political gain. For some people it is always about power. From your comment that seems to be your approach to life.
But for most of us, it is about healthcare. For Obama, who witnessed his mom battle the insurance industry to get the care she needed shortly before she passed away, it is about healthcare.
Those who want more freedom vs those who want less. Again, reduction to absurdity. We both know it is much more complicated then that.
I believe it is spelled Ciao...
Even if you read the bloody thing so much of it is still undefined as it gives the bureaucracy room to come up with pages upon pages of additional regulation and it references yet more pages of laws that may or may not have been written. Quite simply nobody knows how many regulations are on the books. The government can't tell you.
For the record, obamas mother had health care when she passed away. The woman worked for a bank so that story unto itself is made up. A quick check on the Washington post shows it was over disability insurance and how much she would get in addition to her salary. For a person that read the healthcare bill, you got that little fact wrong. But then, so much about Obama is mysterious...
It's not a matter of wanting more freedom, it's a matter of limiting the government from taking from it. There's only one institution that can imprison you, punish you, enslave you, etc.. It's not reduction. You'll be convinced that there's more on the table than your freedom to distract you. There is not. Paying more in taxes doesn't save the earth. A man who believes in global warming doesn't take air force one back and forth to Hawaii four times. Politics is about power be it office politics or national politics. Live in a hoa and you'll see fights over power there. Obama understands this if he understands anything. Community organizing was about power.
You understand that the same organization that has police and military power you are giving power over your health care. It's insane. Nobody would give blue cross/blue shield the power to kick down doors and shoot people but yet the opposite approach makes sense?
Nothing I say other than living life will convince you. I'm guessing your student loans, if you have any, are also held by the government. You owe the government ALOT and that's not a mistake. If you buy a house the government will probably own that to. Obey your master.
Ciao :)
You have two things right...first the bill leaves a lot undetermined. That doesn't make it a government takeover though. I have no doubt there are quite a few losers who will end up more regulated and more taxed. But I am convinced the country benefits as a whole. The rich can afford to pay a bit more in taxes so that the uninsured can have a social safety net.
Second you were right about Obama's mom. I am actually stunned because I am such a news junkie and follow politics so closely but never heard the fact check on such a claim. I think the story made a strong case for the reforms Obama proposed, but I do agree it dampens his credibility a bit.
I empathize with your view on the government. I really do. I understand politics is a game of power. I study it. To an extent, Obama is concerned with his legacy. He is aware of how his decisions affect his personal power and that of the Democratic Party. Apparently he is not as clean as he would have you think on the issue of healthcare, which I thought to be his most passionate. Yet I am unconvinced that we should oversimplify something as complex as our government, which is still controlled directly by elected representatives of the people. Sure money has influenced politics. But the people still elect the leaders who make policy decisions.
Does our government do too much? For me the answer is both yes and no. It is involved in way too many things it shouldn't be, while at the same time not doing enough on certain fronts. I think healthcare is an area where the government can improve the market, and I think that is exactly what the Affordable Care Act does.
My student loans are to private institutions (both banks and my university which was private). If I ever buy a house I plan to do so with cash. I take personal responsibility seriously and want to be as independent as possible.
At this point our debate over healthcare has turned into questions over the nature of government and touched on topics from education and housing to taxes and Obama. We should probably just agree to disagree. Thanks though; always good to hear what others have to say, especially others with different points of view.
You sound like a person that I would enjoy having a beer with.
What makes the free market so fascinating is that one can freely engage and disengage in the relationships they choose. When you ask what the government should or should not do, you're essentially asking what relationships or activities your neighbor should or should not have the freedom to associate themselves with. If the government screws up health care, then what? What do people do then? Obama's response is that it sucks to be them and they have to live with it. In the free market, you can dump one option and go to another. You can't dump government. Be very careful on going with a government solution!
Theres some belief that as obamacare gets fully implemented that doctors, not wanting to deal with the bureaucracy, will move to the Bahamas or costa rica and perform their services there. It's a real opportunity for clinics like John Hopkins to provide branding support by hooking up with a hospital over there. There's definitely money to be made in health tourism. We shall see what unintended consequences there will be for the bill. Yippie!
Anyways, best of luck with the studies. Take care-
"Will employers stop sponsoring insurance for their workers, leaving them to the exchanges?"
My God, I hope so. Being chained to an employer because one fears a lapse in coverage or dares not risk opening up one's own business because of self insurance cost, thwarts some very real economic liberty. But lets be clear here larger numbers of freelancers and workers already aren't covered.
Of course many large employers will probably try to drop covetage but not increase compensation; they'll shaft their workers for a one time money grab.
One suggestion is simply allowing any person to buy into the Federal Government nationwide medical plan (mainly FEHB) at whatever the Federal cost is. This doesn't affect existing employees (since they simply keep their current coverage) but provides a known cost/benefit metric and sets a standard of care that covers the entire country.
As for the healthy supporting the sick via higher premiums, well, yes that is the way insurance works. You are always lumped in with "others"-- and if you are not sick the insurance premium seems outrageous. The penalty for opting out should be a bit more steep than a small fine however, and should include the inability to make medical debts, incurred through that lack of insurance, disappear via bankruptcy. The medical debt, to the extent paid by the state or federal government, should be like a tax bill and (generally) immune from abrogation through bankruptcy. A few poster child horror stories of estimated 50 year payback spans will focus people's attention wonderfully.
I don't understand how the obligation to insure and caps on discriminated fees can't but kill the market based nature of the system.
If people are rational, the sick and old will flock to the more protective plans, bringing them to the red, while the healthy and young will go to the cheaper ones (especially considering they will have the guaranteed option of switching to a better plan if things turn sour for them). Insurers will thus race to the bottom to get the better clients, until they all provide the legally minimum coverage. The state(s) would thus end up setting the features of all insurance plans, private insurers becoming a mere intermediary.
That is the problem with regulations. You cannot regulate self-interest away.
The answer is that there's still price differentiation. Sure, insurers will still try to skew their membership towards the young and healthy. Just like in any other market, insurers will offer premium plans for those wishing to pay more for better coverage and leaner plans for those that are more cost conscious. Due to greater competition thanks to the exchanges, this is one area where the bill is much better than the status quo.
I understand this is the intention of the plan. What I question is the unintended consequences. In the current system, you may be healthy and prefer a better coverage, in case you become ill. But if insurers have the obligation to accept you even if you become sick, the best strategy is to wait until you get sick to get premium coverage.
The premice of insurance is protection against uncertainty. But limiting insurers' ability to adjust premiums gives the clients the opportunity to arbitrage plans on certain information. And that gives a strong bias against any insurer offering extra coverage.
That's just the free market working though. If the population gets sicker, risk adjustment formulas will compensate the insurer. The insurer will also just price out the luxury plan to account for usage.
Finally, the switch issue isn't that bad because people are usually locked in to insurance programs based on 6-12 month periods, which mitigates the ability of people to game the system.
"Health-care reform" is in truth a misnomer.
What the ACA will achieve is the substantial growth of a health care system which remains in dire need of reform.
Giving the American health care industry access to 30 million new prospective "patients" will give this industry a chance to show how effective it has become at churning unnecessary services to all patients with 3rd-party insurance.
Yes, those in serious need of care will finally be able to safely secure that care.
But the mess which is America's health care system will do nothing other than balloon to ever-larger share of America's GDP.
What needs to happen is actual reform of the health care system. Start by dramatically increasing the supply of qualified doctors. Take steps to break the high market share concentrations of both insurers and hospital groups in major metro areas. Process re-engineer preventative care, and put in place incentives for patients to embrace streamlined models for preventative care, routine physicals and standard diagnostic screens.
The severely and deliberately restricted supply of doctors in America is a major factor behind America's historical health care cost escalations. This truth needs to be honestly confronted and cured through a dramatic increase in the supply of doctors, which will also beget much-needed competition in the providing of services at lower cost and higher quality.
Yes the supply of doctors in the U.S. has been deliberately restricted and this needs to be addressed by increasing the number of medical schools but immediately the doctor shortage can be corrected by increasing the number of Physician Assistants and Nurse Practitioners who are capable of providing at least 70 percent of health care.
Milton Friedman in his book: Capitalism and Freedom:(C) 2002 "The American Medical Association is the strongest trade union in the United States." id. P. 150 paperback.
He concludes that licensure should be eliminated as a requirement to practice!
It is a perfect free market analysis. Made even more so ---
by the fact of tort reform being undertaken to limit access to the courts by patients injured at the hands of medical care givers.
If the U.S. spends 20% of its GDP on health care, and the U.S. has the largest economy in the world and the U.S. wants to slow the growth or expense of the health sector of the economy, what is the over-all effect on the economy?
My guess, is if the health care percentage is cut by a third as a percentage of the economy (to go in line with the next largest spenders of Norway, Switzerland, Canada and Norway), there would be a significant contraction in the economy, with lost employment and a recession.
Doctors, nurses, suppliers, manufacturers, builders all get benefits from a bloated medical system (regardless if it is any good or not).
Arguing for an inefficient economy to preserve jobs is hardly rational. Increased efficiency and reduced costs in the long run will benefit the rest of the economy.
The excess rents extracted by American physicians, and particularly specialists, are staggering, and a dead-weight tax on living in the American economy.
This grotesque inequity, achieved through deliberate supply controls on the population of doctors in America, needs to come to an end.
Don't forget the tort reform that is needed, alongside other reforms.
I don't have any references, but I seem to remember that litigation, or the threat of it is responsible for a huge chunk of unnecessary screening and insurance.
But I cannot see Obama ever going down the route of cutting an exhorbitant cash cow for lawyers
I agree and this can immediately be addressed by increasing the number of Physician Assistants and Nurse Practitioner who are capable of providing 70 percent of medical care.
You may remember that, but no study has shown a significant effect. Hospital practice in Texas isn't that different from a state with tort laws. Plus, if my doctor commits gross negligence and cripples me for life, I'd like to get some compensation for it.
The challenge is to arrive at a viable definition of gross negligence. One which allows you compensation when a doctor (thru incompetence or base motives) screws up. But which does not provide for enormous awards when a doctor's best estimate in an uncertain situation proves after the fact to have been merely mistaken.
Which is a great idea being pursued in some states that use expert committees to not only judge behavior (conventions that slipping on an incision is not negligent, but leaving a scalpel inside someone is), but to set up safe harbors as well so that if best practices are followed, there's a greater presumption of competence.
All that has nothing to do with damages caps, removing joint and several liability, or making a losing patient pay legal fees.
I'm delighted to hear it. Every step in the right direction is all to the good.
Do you happenn to have handy a list of which states are working on that? (If mine isn't, and it probably isn't, it would be good to see who is.)
"To insure myself against accident or illness I must make a bet with the State that these mishaps will befall me; and the State must accept the bet, the odds being fixed by the State actuaries mathematically. I shall at once be asked Why with the State? Why not with a private insurance company? Clearly because the State can do what no private company can do. It can compel every citizen to insure, however improvident of confident in his good luck he may happen do be, and thus, by making a greater number of bets, combine the greatest profit with the greatest certainty, and put the profit into the the public treasury for the general good."
-George Bernard Shaw from the essay "The Vice of Gambling and the Virtue of Insurance" http://books.google.se/books?id=oKZwtLQTmNAC&pg=PA1529&lpg=PA1529&
Move on. There is nothing new under the sun
"Health care consumes 20% of GDP". Easily twice any other developed nation.
Twice the money for mediocre health care. Our own CIA ranks US health statistics in the bottom half of the developed world. Indeed, the factoid that even Cuba has a better infant mortality rate is still true.
The private sector has done an abysmal job with a lot more money than the rest of the world. Time to give the public sector a chance.
The infant mortality rate of my county is the same as France, The Netherlands, and Israel and is almost half the U.S. average. Why is that? Lots of poor immigrants here, but lots of middle-class as well. I suspect it is a combination of Culture and pretty good healthcare providers. 20% of GDP is obscene, but at least in my county it seems to provide good results.
Our market-driven, capitalism based healthcare system ranks #38 in the world despite being the most expensive
So no matter how bad (the Republicans claim) ObamaCare to be, chances are it will be a huge improvement over our current situation
When doctors' offices and hospitals start posting their prices up-front, I'll agree that the US has "market-driven" health care.
Don't bet on it.
In the UK most people have some kind of horror story about the National Health Service - particularly the NHS employees that actually see it in action.
In the US, my brother-in-law was recently booted out of a top trauma centre after a near-fatal accident when they discovered that he had health insurance. Apparently the health insurance companies refuse to pay what the hospital demands whilst the federal government just hands over the taxpayers money without asking questions.
In the UK most people like complaining. They dont know how good the NHS actually is because they have never lived elsewhere. Generally speaking the NHS provides a good and cost effective service. Everyone is covered to a decent level at less than half the cost of the US health system.
"Even without controversy, implementation would be complex. The law tries to reform a sector that accounts for nearly one-fifth of America's GDP."
You mean the 20% overhead to US economic efficiency. America, the land of waste, fraud and abuse.
I think the health care industry loves Obamacare. In my city, over 50% of the non-residential construction is health care related. Our beautiful new hospital came in at $1 million per bed which is the going rate. And assisted living residences are sprouting up also. Anybody else see an unsustainable bubble in their communities? The government cannot have enough money to support all these facilities.
Ask the droves of people retiring. Hospitals have been on a building binge for a decade. Shiny new facilities and fancy equipment draw the doctors with wealthy clients.
Still trying to wrap my head around the spelling of "unco-operative".
Nothing wrong with that. British English spelling specifies the dash between co and operative.
Health care reform is a universal challenge - in South Africa, where state systems are unreliable, maladministered and corrupt, citizens are fighting pressure by Government to push them from multi payer free choice funders to state care.
Actuarial principles concerning universal coverage for a prescribed minimum benefit set can be costed and funded on funding levels perhaps lower than the current payroll tax - but elective care, such as dental implants, should not be part of any compulsory cover and. In any free market system, free choice of multi payer core health plans as well as top-up's, remains the most efficient compromise of resources.
"Obama care" is simply the American dawning of a global realisation: health insurance exchange is a set of government-regulated and standardized health care plans in the USA, from which individuals may purchase health insurance eligible for tax subsidies.
The problem, is that each of the 51 states choose whether to form their own HIX, or to opt out - the federal default, in that case, in any event being equivalent to the single national pool previously proposed by Republicans. Those with lighter burden of disease and the health insurers in those states, would be cutting their own throats by ignoring the possibility of lower cost risk pools. The national risk pool, however, seems far from ready.
With Republicans determined to fight all the way, it seems inevitable that US deadlines will for Obamacare have to be extended while the national default is first sorted out.
There are serious ethical and practical issues of both supply and demand that have to be addressed before talk of funding means anything at all. Until we get through that hard political work, there is no intelligent way to allocate the pain of getting the cost of medical care under control.
The problem we face is the rate of increase of the cost of health care. It doesn't matter who is paying; it will bankrupt the country. It seems to me that too many people forget that the public and private sectors are parts of the same economy.
We have to reorganize how health care is provided and paid for. Shifting the cost without decreasing it is pointless.
While I completely agree that there's much to be done in terms of making the health care system more efficient, I don't think that it's reasonable to expect any reforms to slow the increase in health spending for the foreseeable future. I'm not even sure that would be a desirable goal. It makes sense that, as real incomes increase, we spend that increase on health care rather than on buying more iPads (at least to the extent that increased health spending results in longer and better quality of life).
a relatively good government organized healthcare can be bought for some 6-7% GDP, but it does not include private insurance, or even a private practitioners
a various mixes of government and private healthcare, can be bought for some 8-10% GDP
mostly private healthcare will cost a nation some 10-14% of GDP
every healthcare system is a compromise between solidarity and efficiency
it is a political decision which healthcare system a country/nation prefers, but it is wise to choose a system that a country can afford
It only needs one true socialist to destroy a once proud nation.
Please name a current American socialist in a position of power ?
I have not heard any socialist talk in America except from GOP extremists accusing Obama of being less extremist than them, hardly being guilty of socialist practacises.
More to the point, can anyone name any 'once proud nations' that have been destroyed by socialists*.
*Being different from communists
Thoughts and opinions on America's kinetic brand of politics. The blog is named after Alexis de Tocqueville's study of American politics and society
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Herbs In The Treatment Of Children (9780443071638)
Publisher: Churchill Livingstone
Binding: Paperback
Written by a leading practitioner in the field, this clear and practical guide describes the use of key Chinese and Western herbs in the treatment of childhood illnesses, focusing on methods of treatment that lead a child back to health rather than suppress symptoms. The book examines remedies used for a wide variety of common conditions and illnesses, and explores how to break the cycle of symptoms leading to a chronic condition. It conveys a solid understanding of the particular needs and unique aspects of treating children, at a level that is accessible to both the practitioner and the interested parent.
Key Features- Presents a clear and accessible approach to the consideration of appropriate herbal remedies.
- Gives practical advice not only on remedies but other supportive measures as well.
- Discusses the causes and patterns of each illness to solidify the reader's understanding.
- Explores complications and dangers related to using herbs with children.
- Examines orthodox treatments that may be employed for each condition.
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Well I'll be darned. I had to re-read your message KT and check the sender becuase at first I thought it was a post I had written Berry similar set 'O' events
Well the timing to get a notice from this wonderful site was certainly very fitting. I sponsor a fellow not unlike myself who thought Monday and Tuesday would be good days to escape from reality and drink.
He made it in to our Morning meeting today (I'm 12 hours ahead of Eastern Standard Time) and he has a decision to make of course. I can only share what I had to do.
My sponsor was great last night and we talked about a lot of stuff a really good catch up for both of us as a former prospect of his has now just landed in the hospital again.
My gratidtude list has gotten much longer than the last post I wrote on this thread. Glad to have good people in my life and that the trust is building sometimes quickly with folks that had given up on me
I'm crusing into a long weekend over here and there will be some good meetings. Today my problems are not that bad.
Hope my friend decides to surrender!!!! but hey it's his call.
Thanks for letting me share!!!


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Top Definition
To recognize a person or people you know only tangentially through Facebook photo albums, including albums of those you don't know, but have access to because friends are tagged.
When I walked out of the restaurant on Ontario Street, I Facenized that dude from that Bonnaroo photo album. I almost said "hi", but I forgot that I don't actually know him.
por midgeylou
06 de Agosto de 2009


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Arkansas Advanced Energy Association
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Fuel Options for Security and Savings: Compressed Natural Gas
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This book was discussed at the Just Desserts meeting on April 30, 2009. Whether or not you attended the actual meeting, we encourage you to share your own thoughts and opinions about this book in a reply comment to this blog post, below.
Posts tagged as 1890s
Elizabeth Peter's "Lion in the Valley"
May 02, 2009 by sdc
During our April 2009 meeting, we discussed Elizabeth Peters' fourth "Amelia Peabody" archaeology mystery, Lion in the Valley, a volume in the series that's pivotal to long-running events in the Peabody saga.
Tagged in: mystery, Just Desserts, discussion group, Egypt, archaeology, 1890s,
Comments: 2
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Gallery: Bolivia's Palacio de Sal is a Hotel Made Entirely of Salt!
The main hall of the Palacio de Sal.
The Palacio de Sal was built in 2007 to accommodate travelers to the Salar de Uyuni in southwest Bolivia, near the crest of the Andes. The hotel is organized as a palace with large common rooms, a bar, a restaurant and spa, and 16 private rooms with bathrooms that resemble igloos with domed roofs. The spa features a dry sauna and a steam room, a saltwater pool and whirlpool baths, but unfortunately the spa is undergoing renovations during 2012. The 9-hole golf course is open from May to November and is a unique course with a hard surface of salt.
Materials are hard to come by out in the salt flats and rather than import concrete to built the hotel, the novel approach was to build it from the only local resource – salt. The walls, floors, ceilings and even the furniture (beds, chairs, tables, and even couches) are constructed out of 1 million 35-cm (14-inch) salt blocks, which are easily visible in the pictures. Previous to the Palacio de Sal, another salt hotel was built back in the mid 90s, but succumbed to sanitation problems as it was difficult to manage waste in the middle of the desert. The new Palacio de Sal has sought to overcome those issues and now has a sanitary system that complies with government regulations. In order to maintain the integrity of the hotel's structure, it is strictly forbidden to lick the walls.
Via Core77
Images ©Palacio de Sal
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Manatee caught cuddling with diver
UPDATED 12:47 PM EST Dec 03, 2013WPBF 25 engineer Jay Darden spent his Thanksgiving weekend swimming with a manatee in the Crystal River, near Tampa, where he got up close and personal with the sea cow.
Video TranscriptWPBF GOT UP AND CLOSE -- AND UNDER WATER -- WITH A MANATEE OVER THE HOLIDAY WEEKEND. UP CLOSE AND UNDER WATER WITH A MANATEE OVER THE WEEKEND. TAKE A LOOK. JAY GARDEN IN THE CRYSTAL RIVER NEAR TAMPA. HAD TO GO PROWITH THEM. THAT WAS SOMETHING ELSE. CITRUS COUNT SET ONLY COUNT THAT% HE ALLOWS PEOPLE TO TOUCH MANATEES AND GIVE THEM A TICKLE. CAN USE ONE HAND OR ONE FINGER. LOOKS LIKE THE MANATEE AD NO COMPLAINTS AND HUGGING JAMES LEG. HE IS CUDDLING WITH HIM. INCREDIBLE. LOOK AT THEM. MY GOODNESS. THAT IS THE BEST VIDEO OF THE DAY.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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thanks for the input
I put the .self on my usb thumbstick, plugged it into my ps3's right-hand usb port, rebooted and nothing. I'm on Rebug 3.55 cfw by the way. Is there any way to get my ps3 back to normal?
If you put the right .self from the Crashserious package on your usb stick, they have no problem to back into normal mode.
it's weird, what you have exactly ? still the logo red spot ?..
thanks to see if we get something..
someone honest on version 4.0
Last edited by anguila; 02-03-2012 at 04:49 PM Reason: Automerged Doublepost
Hi Nabnab, Let me know if I can help out. I have a PSP FW 5.50, ps3 FW 4.0 and 3.55.
Good Job getting people together and tests.
Is there any method that comes to mind that I can use to get back to normal mode. I've tried the .self file over and over... I'm gonna go nuts if I can't get my ps3 back to normal.
This is wonderful! Finally those people with their too expensive dongles can say bye bye... Well done.
Pardon guys, would that mean we can upgrade to a recent OFW and then downgrade easily to 3.55 kmeaw? I'd really need to log onto the SingStore and download all wifey's songs back and then downgrade to 3.55 kmeaw again, because you need PSN Store access to access SingStore. Can someone crack it up for me please? Thanks for any help.


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Pastor's Column: An attitude of gratitude
Martin Rinkhart wrote the lyrics for the hymn Now Thank We all Our God during an epidemic in which the number of the dead was so great that they had to be buried in mass graves. During the epidemic his wife died, he lost his property, and he was barely able to provide food and shelter for his children. Yet in faith and hope he wrote these words which have been sung in worship for over three centuries: "Now thank we all our God with hearts and hands and voices, who wondrous things has done, in whom this world rejoices; who from our mother's arms has blest us on our way with countless gifts of love, and still is ours today."When I was going through a tough time in my life some years ago, my Spiritual Director suggested that I write down five things I was thankful for every day. It was a good exercise because it reminded me of all the things for which I was grateful for in my life. I could be thankful even for clarity about difficult situations, and it reminded me of how thankful I am for the love and support of friends and family.Perhaps you could do something similar; write a list of "Thank you(s)" to God this month, (now that you have had a little practice on Thanksgiving Day) leading up to Christmas and then share what you are thankful for with family and friends as part of your holiday celebration or as your prayer before a shared meal. Herm Albright once said, "A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort."Sometimes it is difficult to be thankful. It is during those times that it is most important to practice being grateful, even when we don't feel like it. Likewise if you know of someone who is really struggling with a hardship, show your gratitude to God, by being a friend and support to that person. Sometimes holidays are the hardest time to cope with loss or sadness. Be especially attentive to those around you and let the people in your life know that you care about them."All praise and thanks to God the Father now be given, the Son and Spirit blest, who reigns in highest heaven, the one eternal God, whom earth and heaven adore; for thus it was, it is now , and shall be ever more."
Argus Leader
Dell Rapids Public School
Dell Rapids St. Mary's Catholic School
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Broadway welcomes back the Wingfield family in the newest revival of The Glass Menagerie. Check out show clips of stars Cherry Jones, Zachary Quinto, Brian J. Smith and Celia Keenan-Bolger in one of Tennessee Williams' most beloved dramas.
Two-time Tony Award winner Sutton Foster makes her fourth appearance on Show People, talking up her hilarious TV Land show Younger.
April 16, 2015Audiences flock to the longest-running American Broadway musical of all time night after night. Find out why!
January 4, 2015Spotlight On: Mamma Mia!
November 20, 2008Something Rotten! star Brian d'Arcy James on career timing, being inspired by Lawrence Welk (!) and how tap lessons paid off.
April 24, 2015Doctor Zhivago's Tam Mutu and Kelli Barrett on their diner obsessions, fantasy band names and what kind of wine to serve Javert and the Phantom.
April 17, 2015Lincoln Center Theater presents the Rodgers and Hammerstein classic The King and I, starring Kelli O'Hara and Ken Watanabe.
April 14, 2015Broadway.com catches up with Broadway newbie Tam Mutu, leading lady Kelli Barrett and the creators and cast of the new musical Doctor Zhivago on opening night.
April 23, 2015The Lerner & Loewe classic Gigi is back on Broadway in a reinvented production starring Vanessa Hudgens (High School Musical).
April 10, 2015The bizarre and beautiful story of Hedwig, the East German transsexual rocker, fuels one of Broadway's most electrifying hit. Find out more!
February 3, 2015Get a glimpse of the brand-new revival of the 1940s classic musical comedy.
October 24, 2014Opera superstar Renée Fleming, Jerry O'Connell, Douglas Sills, Anna Chlumsky and more celebrate the opening of Living on Love at Broadway's Longacre Theatre.
April 21, 2015Join the fun of Airline Highway, Lisa D'Amour's new play set in a rundown New Orleans motel.
April 22, 2015


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I'm not sure if it's because of locking resources or threading done bad, but in my experience rekonq suffers from becoming very unresponsive when it's loading pages. KDE has otherwise taken the ideal of separation of logic and presentation well to heart, so I can't imagine it being single-threaded.
It's a good fallback browser and its feature-set is actually impressive (though it could use greasemonkey support), and its (reference Qt) webkit engine only rarely fails to render pages completely. Graphical oddities such as oddly-sized elements are very common, mind.
But the performance that Chromium offers is just... too compelling.


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Your cat (or ferret) will love these hard plastic lattice balls with a jingle bell inside. Colors may vary. Pack of 3. Read More
Colors may vary.
Pack of 3.
Note: Balls are packaged randomly - colors will vary.
Never leave a pet unattended with any treat or toy!
Made in China.
- Type: Ball
- Color: Assorted
- Size: Set of 3
Reviews (2)
"Our bunny's favorite toy!"
Our bunny loves this toy! He picks it up and throws it everywhere!
"Bunny loves 'em"
Bought these originally for our cats, but our bunnies tend to steal them! It's nothing to see a bunny go tearing down the hall with one it their mouth, cat chasing them, and a few minutes later, the cat comes running up the hall with the ball, the bunny charging behind them! Can't beat the price either!


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First off, let me introduce myself as a Troll (for you non Michiganders, that's someone in the lower half of the state "under the Bridge".
You'll have to carefully research the zoning laws wherever you want to build. Michigan has some really restrictive laws, so you may find out you cannot build the cabin you want.
Chances are you can't have an outhouse legally, you will have to put in a septic system. Around here, a septic system goes in excess of 5K. And although you may find you can sneak by the law on this, when you get caught, it will cost you plenty in fines, and they'll still make you put in the system. You may be able to put in a composting toilet, but they will still require a system.
The state will also tell you what kind of well you can use. Most of Michigan is covered by wellhead protection laws - I know, because when we had a minor problem with our 2" well with an above ground pump that gave us plenty of good water, the state made us put in a 4' with a submerged pump. That was 5 years ago, and cost 4k, that was considered a good deal, and our well is only 70 foot deep. Yours could be much deeper. The house I grew up in around here had a well 245 feet.
Solar power anywhere near the lakes will be super expensive due to the cloudiness from the lakes. You would need a huge collector. I know, we've looked into it. Wind might be a possibility, but that means you need a clear spot on a hill with the wind unbroken by trees, unlikely where you want to settle. Also expensive. So make your house as energy efficient as possible. Money on good windows, doors and lots of insulation is money well spent. That still leaves you with good old wood for heat. If you're not extremely fond of chainsaws, you will have to buy it. But in the UP it's still cheaper than propane or oil. If the woodstove in is the house, it's nice warm heat, but if you intend to have children, remember children in a house with a woodstove have a higher incidence of asthma. That research was done in the late 70's, early 80's by Dr Honiky (sp) at MSU.
Remember you will have a very short season for growing gardens and food for any livestock you want to keep. Even chickens will require good shelter against Old Man Winter. Frostbite is not what you want to see. On you or your livestock.
On the other hand, as you well know, it's downright beautiful up there. You'll be able to harvest some fish, but keep in mind if you're planning to have children, it's not recommended that women eat much if any of it. People up there are kind if you're earnest and honest. Just be realistic about what may be possible.
Completely forget about building a $4000 cabin suitable for residential occupation. Yes, its possible to build a $4000 cabin. It will NOT be anywhere close to building code standards. It will be VERY similar to a hunting cabin, strictly meant for temporary occupancy a few days/weeks out of the year. The $4000 cabin is actually a very misleading figure. It makes a lot of assumptions. Basically, its possible to build a $4000 cabin if you have a piece of property with a cleared building site, access to a tractor or bulldozer, have existing electrical service, have an existing water supply (drilling a well can easily run $10,000), have a free source of logs or lumber, have a free source of used doors/windows/etc, have friends/relatives that are willing to donate their labor in the building of your house, etc. Then your heat will likely come from a wood stove. The cabin probably won't be insulated or properly vented. Of course, there will be no indoor plumbing. But yes, its possible to get a roof over your head for $4000. Not much of a roof, but a roof. Mother Earth does a great injustice to people when they prattle off stories of $4000 cabins.
I built my own log house. 28' x 42'. I did nearly all the work. Its a fully modern home. Here are some of my cost figures. Building permits $500. Water delivery system $9200. Central heating system $5000. Septic system $4200. Electrical service to house $360. Excavation costs $2500. Road to building site/gravel/etc $2000. I have the figures somewhere but would estimate material costs in excess of $40,000. This includes block for the basement, concrete, rebar, nails, lumber, logs, stain, paint, caulk, backing rod, doors, windows, floor coverings, trim, bathroom fixtures, kitchen cabinets, lighting fixtures, electrical wiring, interior walls, wall coverings, insulation, soffitt, fascia, roof framing, roof sheathing, metal roof, etc. In addition, I probably paid out $10,000 or more in paid help....concrete finishing, electrical services, interior plumbing, framing help. The finished house is a 3 bedroom house with a full bathroom on the main floor and a half bathroom (toilet, sink, shower) in the basement. A 3 car garage set 50 feet from the house is the finishing touch. The house is probably worth $150,000 - $175,000 on its 3 1/2 acre land parcel. I live in Northern Wisconsin just 25 miles from the upper peninsula.
Michigan now has strict zoning standards throughout the state. You'll need building permits, building inspections, a state approved septic system, etc. It will need to be built to code. Realistically, even the least expensive modular home set up on your land with a water delivery system, electricity, septic system and the like will run you a minimum of $60,000. Probably a great deal more.
I would love to see you succeed in your dreams. Unfortunately, a $4000 house is just that......a dream.
yooper girl have you gotten anywhere on building your cabin?
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