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I lost my group plan coverage when I was laid off from my job in spring of 2010. Since then, I have been on an individual plan, the only one I can afford. My new employer is a small business, and does not offer ANY benefits. My medical policy premium costs about $400 per month. Continue Reading
Better Consumer Information
Navigating the purchase and use of a health insurance policy could be a lot easier. What are your basic rights, and how should you decide between your available options? Read about changes and improvements you can expect in the coming years.
Consumers Union Documents
- Shopping for insurance after reform
How the exchanges would work, looking at the Massachusetts model.
- Letter to Washington: finish meaningful reform
Consumers Union joined the American Cancer Society, the American Diabetes Association, the American Heart Association, the America Nurses Association and many others to ask Washington leadership to conclude its bipartisan summit with an agreement to move ahead with meaningful health care reform this year.
- What is government-run health care — and what isn't
"Government-run health care" is an expression that has been used to inflame rather than inform. Discover what health programs are run by the government, and how they provide popular health care to millions of Americans
- Getting the best possible health insurance marketplace
In the absence of a public plan option, a robust national insurance exchange is the best way to force companies to compete on price and quality.
- CU President's Letter to House Leadership
On January 6th, 2010, President Jim Guest asked Congressional leaders to make sure the final health reform bill is affordable for American families who will be required to purchase health coverage.
- More transparency needed in insurance marketplace
Standardized benefits and costs will help consumers make best insurance choices
- Will "Actuarial Value" standards make it easier to pick a plan?
Right now, insurance companies offer lots of plans, but it's hard to know if your money is well spent.
- Our Prescription for Change
The limited reform efforts of the past 20 years have not succeeded in clamping down on soaring health care costs, stemming the number of uninsured or reducing unsafe care. We need not half steps but real change–a uniquely American solution based on the system we already have.
- Beware of myths generating fear about reform
Consumer Reports examines five things people fear about health reform.
- What's broken?
Health care spending represents one fifth of our economy, yet by all accounts we are not getting good value for our money. Why?
Press Releases
- Medicare open enrollment begins Saturday, Oct. 15
Get prepared for open enrollment with Consumer Reports Guide to Medicare
- Early Consumer Testing of the Coverage Facts Label: A New Way of Comparing Health Insurance
The Coverage Facts Labels is a way for Americans to better understand the coverage offered by health plans.
- Consumer Reports Offers Free Guide to Medicare Changes, New Benefits
The guide will help people navigate the new changes and take advantage of services available under the law
- Consumers Union Urges Lawmakers to Reject Attempt to Cut Federal Funding for State-Based Health Exchanges
State based health exchanges provide competitive, consumer-centered marketplaces for purchasing health insurance
- CU offers guide to health reform options & benefits
On first anniversary, the guide offers information about the law and how it affects you and your family
- Senate proposal could mean fewer get insurance
CU urges Senate to fix provision of health reform law that burdens small businesses without penalizing families
- Health insurer spending standards help consumers
CU says new "medical loss ratio" standards from HHS will drive insurers to devote more on medical care
- Nonprofit BCBS Health Plans amass billions in surplus
Health insurers set aside billions of dollars in surplus – essentially retained profits – even as they raised premiums for consumers.
- CU applauds House passage of health care bill
The House passed health care legislation which will now move the Senate for a floor vote
- House health reform bill goes long way toward solving health care crisis, CU says
Consumer protections, more affordable and secure health coverage, cited in endorsement
Blog Posts
- Ask for Your New Health Insurance Summary During Open Enrollment
November is the peak month for employers' open enrollment for health insurance. You may have several plan options with your employer and you may have other options through your spouse's employer. Perhaps you shop on your own in the individual market and its time to renew. How are you going to pick the best plan Continue Reading
- It's about time! Easier Health Insurance Summaries
Another piece of the health reform law has fallen into place – new uniform, easy-to-use health insurance summaries that will help keep you from pulling your hair out over trying to understand your insurance policy. Available to over 170 million consumers with private health insurance coverage, this is the most far reaching reform to date. Continue Reading
- HHS preserves September start date for new easy-to-read insurance summaries
Late last week, the Departments of Health & Human Services (HHS), Labor and Treasury released a Frequently Asked Questions (FAQ) document on the Summary of Benefits and Coverage (SBC), the new, consumer friendly health insurance summary established by the Affordable Care Act. Consumers will see the SBC for the first time when they shop for Continue Reading
- New numbers are in: Health reform removed lifetime dollar limits on coverage for 105 million
In two weeks the Supreme Court will hear oral arguments to decide if the Affordable Care Act is constitutional. There's no doubt the law has been controversial, and claims about "Obamacare" are flying again. In the two years since its enactment, though, evidence about the law's actual effects has been building. As we've previously written, hundreds of Continue Reading
- Health reform law expands preventive care coverage for tens of millions in 2011
While some features of the Affordable Care Act (ACA) don't go into effect until 2014, other provisions of the 2010 law are already well-established. That means that despite our ongoing battles to hold insurance companies accountable, we're beginning to see evidence of many of the health law's benefits. For example, in September we reported that the Continue Reading
- Affordable Care Act is increasing coverage, study confirms
In September, we reported on a Census survey showing that the Affordable Care Act expanded health care access to over 500 thousand young adults in 2010 alone. Although some were skeptical of the data, it strongly suggested the increased coverage was the result of a provision requiring that insurers allow young adults to stay covered by their Continue Reading
- New disclosure requirement is wildly popular, not widely known
When we think of the holiday season, the ideal image is not curling up in front of the fireplace to read through our health insurance plans. In fact, one survey showed that we dread buying insurance more than paying our taxes or going to the gym. So it may not be a surprise that in Continue Reading
- Census report shows Affordable Care Act is working
A new report released by the Census Bureau showed that the Affordable Care Act (ACA) is expanding health care coverage to more than 500,000 young adults in 2010, a number expected to continue rising. The full extent of the ACA's coverage-expansion provisions, such as increasing Medicaid eligibility and offering subsidies and competitive insurance markets to Continue Reading
- Out-of-pocket caps will help put the brakes on higher health plan costs
A new study shows that average monthly premiums for people who purchase health insurance on their own range from a low of $136 per month in Alabama to a high of $437 per month in Massachusetts. But, as the study notes, these monthly premium figures don't tell the whole story. Out-of-pocket costs, such as deductibles, coinsurance, and Continue Reading
- Report: Coverage will expand dramatically; costs will not
One of the most common questions surrounding the new health reform law was whether it could expand health insurance coverage without breaking the bank. Fortunately, a new report from actuaries in the Center for Medicare and Medicaid Services (CMS) estimates that it can. In fact, as economist and lead author Sean P. Keehan noted in Continue Reading
News Articles
- Here is what the new health insurance labels will look like Source: The Consumerist (Thursday February 9, 2012)
"The new Summary of Benefits provides consumers with important insurance information in a standardized way for the first time," said Lynn Quincy, senior policy analyst for Consumers union, the policy and advocacy division of Consumer Reports. "This rule is a big step in helping consumers better understand and evaluate their insurance options."
- Consumer groups fear White House may water down rule on user-friendly health plan summaries Source: Washington Post (Thursday January 26, 2012)
One of the most popular provisions of the health care reform law — consumer-friendly summaries of what your insurance plan covers — suddenly seems to be at risk.
- 'Almost heaven' meets 'paradise' — Virgin Islands and West Virginia discuss an exchange Source: Kaiser Health News (Monday January 9, 2012)
From economy to climate, they are as different as any two places in the United States. But that hasn't stopped them from discussing whether to work together to form a health insurance exchange under the federal health care law, say officials in West Virginia and the Virgin Islands.
- Collaborative efforts can save money and improve care Source: Kaiser Health News (Thursday January 5, 2012)
Physicians and hospitals share cost savings with the employers and insurers, and in some cases share losses if savings targets aren't met. Medicare has launched a similar program under the 2010 health reform law aimed at developing so-called accountable care organizations.
- Millions of young adults getting coverage under new healthcare law Source: Los Angeles Times (Wednesday December 14, 2011)
The healthcare law signed by President Obama last year has now helped as many as 2.5 million young adults get health insurance over the last year despite the lagging economy, new data released by the federal government indicates.
- About 2.5 million young adults gain health insurance under U.S. overhaul Source: Bloomberg (Wednesday December 14, 2011)
About 2.5 million Americans under the age of 26 received medical insurance because of a rule in the health-care overhaul that allowed them to remain on their parents' plans. The percentage of people ages 19 to 25 with insurance rose to 73 percent from 64 percent between September 2010 and June, according to the Atlanta-based Centers Continue Reading
- Health law's 'doughnut hole' fix saves recipients $1.5 billion Source: USA Today (Tuesday December 6, 2011)
The health reform law's changes to Medicare have resulted in more than 2.65 million recipients saving on average $569-per-person on prescriptions, while premiums have remained stable. Another rule change has allowed more than 24 million to receive a free annual physical or other screening exam.
- American employers are using more insurance plans with high deductibles Source: Live Insurance News (Sunday November 27, 2011)
A new survey has shown that employers in the United States who are struggling to manage the increasing costs of healthcare insurance are broadening the use of plans with high deductibles to help to keep the monthly premiums at a more affordable level, since more of the burden of medical expenses is falling on the Continue Reading
- States cut mental health budgets as demand increases Source: Kaiser Health News (Thursday November 10, 2011)
More than half the states have cut their mental health budgets since the recession hit home, while the economic slump has pushed up demand for such services, according to a new report from the National Alliance on Mental Illness.
- Low-income state workers begin to gain access to Children's Health Insurance Program Source: The Washington Post (Sunday November 6, 2011)
At least six states have opened their Children's Health Insurance Program to the kids of low-income state employees, an option that was prohibited until the passage of the 2010 health-care law.


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Deported Too Soon: Report Says Fed Immigration Authorities are Violating New York Law [Updated]
Photo Credit: .v1ctor Casale. via Compfight cc Report says immigrants are being denied basic rights.
Immigrant detainees are routinely deported from New York State before all legal remedies have been exhausted, according to a report released this week by the New York University School of Law's Immigrant Rights Clinic and immigrant rights advocacy organization Families for Freedom.
The report documents what the authors say is the frequent refusal by Immigration and Customs Enforcement to allow detainees facing deportation to challenge the convictions that triggered removal, as they're entitled to do under New York law. The process is known as "post-conviction relief," and it's designed for situations where a defendant has been denied a fair trial for a variety of reasons.
Nancy Morawetz, a law professor at NYU who supervised the study, said ICE's practices are thwarting an important safety valve within the criminal justice system.
"Post-conviction release doesn't exist because the criminal courts always get it wrong," Morawetz says. "But the criminal justice system is a very large, complex system where things move very fast," and mistakes are sometimes made. That's why it's important, she says, that defendants are able to turn to the legal system when something goes awry. And that legal system can't protect defendants if it's not allowed to run its course.
The report points to the deportation of Javian Lawrence, a 28-year-old legal resident originally from Jamaica, who was targeted for removal as the result of a misdemeanor conviction in 2003. Lawrence, who was 17 at the time of his conviction, pleaded guilty to charges that he'd had sexual contact with his girlfriend, who was under the age of consent.
Lawrence's attorney never told him that the plea -- for a sexual misconduct charge -- could result in his deportation. Although it's classified as a misdemeanor, under a counterintuitive 1996 federal law that vastly expanded the definition of deportable offenses, the charge is considered an "aggravated felony" for the purposes of immigration proceedings.
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The industrial waste oil passed off as food-grade oil contained lascadoil—a combination of oleic acid, soy oil, and lasalocid sodium, used in animal drugs.
A farmer wants to burn in Goldilocks conditions – everything needs to be juuust right.
At Straight Creek Valley Farm, living "off-the-grid" doesn't mean doing without creature comforts like cell phones and Keurig coffee.
Cover crops, like crimson clover and hairy vetch, grow during the winter when everything else freezes.
McDonald's released a statement saying the company does not source genetically modified potatoes.
Here's a snapshot of the seasonal food scene in Portland as experienced through the city's farmers markets.
Jonathan Bloom's professional interest in food waste has crept into his everyday life. We look at food waste on the farm. Apple butter made from gnarly fruit.
A United Nations Report found that in developing countries, more than 40 percent of food waste happens on the farm or in the processing part of the food chain.
Opponents of labeling genetically modified organisms boosted their spending in 2014 as states considered labeling laws.
Businessman Jeff Mease envisioned adding Asian water buffalo to his southern Indiana farm so he could milk them for cheese. But, that's not possible. Now what?
The co-owner and two workers at the Rancho Feeding Corp., the center of a massive recall that began in February, have been charged with 11 felony counts.
Strawberry picking, though delicious, is tougher than you might think! I used some of my harvest to make Strawberry Chia Jam.
Tips for preserving the abundant harvest of zucchini. How to start a home food business. The logistics of tourism on the farm. Swiss chard with Daniel Orr.
California is suffering the worst drought in decades, and the repercussions are being felt nationwide.
Through his organization Growing Power, Will Allen establishes urban community farms and teaches local residents how to grow their own food.
Farmers are using precision information from their fields to prescribe exact doses of everything from seeds to fertilizer. How much data do they want to share?
The dairy industry is more efficient than ever, but ramping up production is costly and often out of reach for some small dairies.
You thought the snow and subzero temperatures were rough on you! See photos showing how farmers and their animals were affected by the unprecedented cold snap.
Even though they sport fluffy down coats, chickens don't like the cold! Here are four tips to boost your birds' health and comfort during the winter months.
A new model for suburban development is springing up across the country that taps into the local food movement.


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Murder of Michelle Gardner-Quinn
Michelle Gardner-Quinn (January 28, 1985 – October 2006) was an undergraduate at the University of Vermont who was kidnapped on October 7, 2006. Her body was later found along a road in the neighboring town of Richmond on October 13.
Disappearance and murder[edit]
In the early morning hours of October 7, Gardner-Quinn was walking home in Burlington, Vermont to her campus dormitory after a night out with friends. She borrowed a cell phone from a passerby, Brian Rooney, to call an acquaintance. A jewelry store surveillance camera captured Gardner-Quinn walking north with Rooney at approximately 2:34 am. Six days later, her body was found by hikers near Huntington Gorge in Richmond, Vermont. An autopsy revealed she had been sexually assaulted, beaten and strangled.[1]
At a press conference on October 13, police announced that they had found Gardner-Quinn's body and arrested Brian Rooney on separate charges unrelated to the case. Rooney, a construction worker with several prior arrests, is facing charges from neighboring Caledonia County that pertain to sexual assault and lewd conduct with a child. In addition to being the person who last saw Gardner-Quinn, Rooney was reportedly seen with cuts on his hands when he stopped at a business in Winooski several days later. On October 25, police announced that they had charged Rooney with aggravated homicide in the death of Gardner-Quinn. He pleaded innocent.
At a press meeting, Rooney's lawyer accidentally revealed confidential information about DNA evidence, which resulted in the trial going under lock-and-key.
On May 22, 2008, Brian Rooney was convicted of aggravated murder in Rutland, Vermont, by a 12-member jury.[2] On October 17, 2008, Rooney was sentenced to life imprisonment without the possibility of parole. Judge Michael Kupersmith admonished him, stating that: "You are the lowest of the low." Rooney expressed condolences to Quinn's family but maintained he is innocent.[3][4]
In her memory[edit]
Cosmopolitan magazine featured Gardner-Quinn's story, "The Murder of a Beautiful Girl", in its February 2007 issue.
A non-profit organization, Michelle's Earth Foundation (MEF) has been founded in her memory. It is devoted to promoting youth involvement and awareness in environmentalism, about which Gardner-Quinn cared deeply.
Her parents are creating a scholarship in her name at UVM (WPTZ)
An essay she wrote (just days before her abduction) about her environmental beliefs was featured at Live Earth concerts in July 2007 and on an August 5 National Public Radio broadcast. [1]
Her essay, "A Reverence For All Life", has also been published in the book, This I Believe II: More Personal Philosophies of Remarkable Men and Women.
- ^ http://www.crimelibrary.com/news/original/1006/2502_michelle_gardner-quinn.html
- ^ "Guilty: Jury Convicts Rooney". Burlington Free Press.
- ^ Judge berates student's killer, gives him life, CNN.com, October 17, 2008.
- ^ nytimes.com, Vermont: Student's Killer Gets Life


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Cheap SHH to Aniak flights
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Harris Teeter
Alexandria mom launches organic frozen entree line for kids
Potomac Yard Harris Teeter reopens
The doors are back open at the Potomac Yard Harris Teeter. It was closed more than a year ago because of a flood and a bad sewage backup.
Harris Teeter sues Arlington County over massive sewage spill
Last May, an Arlington Harris Teeter was shut down after an enormous sewage overflow flooded the grocery store. More than a year later, the chain is suing Arlington County for damages.
Kroger to buy Harris Teeter for about $2.44BComment
Kroger says it has agreed to buy Harris Teeter Supermarkets Inc. for about $2.44 billion in cash.
Potomac Yard Harris Teeter will reopen this fallComment
At long last, the Arlington Harris Teeter store that was flooded with sewage last year will reopen this fall.
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ABC7 News at 4 Now Weekdays!ABC7 is giving you MORE news in your afternoons with an extra hour, an hour earlier! Join ABC7's Leon Harris and Alison Starling for what's trending in your community and world. Every weekday afternoon at 4pm right after back to back "Hot Bench" shows at 3pm on ABC7.


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Valentine's Day 2015
Four times a year, Valentine's Day, June 1, (Marilyn's birthday) August 5th (Anniversary of Marilyn's passing) and December for the holidays, we
grace Marilyn's crypt with flowers and cards. Additional funds remaining after purchasing the flowers are donated to
Animal Haven of New York City
in Marilyn's name and honor. This is made possible by contributions from members of Immortal Marilyn.
Westwood Flower Garden
is Immortal Marilyn's one and only provider of our flowers. They cannot be surpassed.
Click on each image for full size
Valentine's Day 2015
She is still our favorite Valentine!
Thank you to each person who helped make the beautiful flowers, the card, and the donation of
$150 to Animal Haven of NYC in Marilyn's honor possible.
Jackie Craig
Ashlee Davis
Dawn Jones
Dorina Barile
Deborah Bakker
Edwin Bakker
Svetlana Bochkarev
Deb Hoyle
Nancy Cook
Melissa Murphy
Gianandrea Colombo
Diva Monroe Jackson
Sirkku Aaltonen
Dolly Eaton
Rudy & Diane Tisdale
Shar Daws &
Loving Marilyn
Mary Sims
Alberto Fernandez
Lorraine Trevena
Carolien Krijnen
Suzie Kennedy
Becca, Rob & Oscar Swift
Peter Lo
Joey Traughber
Andrea Winkler
Aldora Terrell
Johan Grimmius
Trish Pocetto
Lucinda Burton
December 2014
This Christmas the holiday flowers for Marilyn were especially beautiful with assorted flowers in a deep red.
Our last donation for the calendar year 2014 to Animal Haven in the amount of $405 was made, and thank you to all who made this possible!
I'm proud to say Immortal Marilyn has given in total $1905 for the year of 2014 to Animal Haven. Marilyn would be so touched and honored to see
how her fans pull together to give 4 times a year to a no-kill shelter such as Animal Haven, and remember her with flowers.
August, 2014 - The 52nd Anniversary of Marilyn Monroe's Passing
Immortal Marilyn's wonderful membership raised enough money through individual
contributions for these beautiful flowers and an additional $565 was raised for
Animal Haven
Pictured here is Immortal Marilyn's LA
Representative Jackie Craig.
Jackie also works closely with
The Marilyn Remembered Fan Club
She is holding this years Memorial
Program, she helped distribute.
June 1, 2014 - Marilyn Monroe's 88th Birthday
Marilyn's incredible fans raised money for these beautiful birthday
flowers and an additional $670 raised for
Animal Haven
Valentine's Day 2014
Beautiful flowers were given to Marilyn, our Sweetheart, and $265 was raised and given to Animal Haven in her name.
For the Love of Ross
Christmas 2013
The lovely card and flowers were given to Marilyn this Christmas. Above the cost of the flowers an extra $225 was also raised. This money will
go to the Leukaemia Foundation of Queensland in remembrance of Ross McNaughton and Marilyn.
All thanks go to Marilyn's wonderful and generous fans at Immortal Marilyn for making it possible.
August 5th, 2013 - 51st Memorial
Beautiful flowers were placed at Marilyn's crypt, and $440 raised for the Leukaemia Foundation of
Queensland, given in honor of Ross McNaughton and Marilyn.
Thank you to Jackie Craig for overseeing the placement of the flowers, Scott Fortner also for assisting, and
to Ashlee Davis for creating this beautiful card on behalf of all who contributed to buying the breathtaking
flowers for Marilyn.
Happy Birthday Marilyn - June 1, 2013
Immortal Marilyn's fan base had a huge fund raiser to raise funds for a marker for Ross McNaughton at
Westwood Cemetery. After the cost of that, $3445.00 remained and was donated to the Leukaemia Foundation
of Queensland in memory of Ross McNaughton and Marilyn Monroe.
Valentine's Day 2013
Immortal Marilyn is so grateful to all who made our Valentine's Day for Marilyn and Animal Haven of NYC
Marilyn's crypt, made possible by her beloved fans.a great success. $265 was raised for Animal Haven, and
this incredibly beautiful heart wreath was placed at
Directions to Westwood Memorial
Cemetery where Marilyn is laid to rest
Enter starting street address:
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text:
Best of Joe Root
- Cricket Field,
- Cricket Player,
- England,
- Greater London,
- Horizontal,
- ICC Champions Trophy,
- Joe Root,
- Kumar Sangakkara,
- London - England,
- Looking,
- Match - Sport,
- National Team,
- One Day International,
- One-Day Event,
- Oval - Kennington,
- Sport,
- Sport of Cricket,
- Sports Activity,
- Sri Lanka,
- Taking a Shot - Sport,
England's Joe Root plays a shot as Sri Lanka's Wicketkeeper Kumar... News PhotoCricket Field,Cricket Player,England,Greater London,Horizontal,ICC Champions Trophy,Joe Root,Kumar Sangakkara,London - England,Looking,Match - Sport,National Team,One Day International,One-Day Event,Oval - Kennington,Sport,Sport of Cricket,Sports Activity,Sri Lanka,Taking a Shot - Sport,UKPhotographer IAN KINGTONCollection: AFP 2013 AFPEngland's Joe Root plays a shot as Sri Lanka's Wicketkeeper Kumar Sangakkara (L) looks on during the 2013 ICC Champions Trophy One Day International (ODI) cricket match between England and Sri Lanka at The Oval cricket ground in London on June 13, 2013. Sri Lanka won the toss and elected to field first. AFP PHOTO / IAN KINGTON - RESTRICTED TO EDITORIAL USE. (Photo credit should read IAN KINGTON/AFP/Getty Images)


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Brent Batten: One word explanation for growth of Citizens Insurance politics
In case you were wondering how Citizens Property Insurance Co. went from being an insurer of last resort with high rates to being an insurer of first resort with relatively low rates and a portfolio that threatens both customers and non-customers with gargantuan risks, here's what happened:
Politicians got involved.
Established in its present form in 2002 as a government agency tasked with writing insurance for Floridians living in high risk areas who could not otherwise find coverage in the private market, Citizens today is the largest property insurance company in the state, the ninth largest in the country, with 1.4 million customers and $500 billion in exposure.
A pivotal period for Citizens came after the 2004 hurricane season, which saw 16 named storms including Charley and Jeanne and the 2005 season, with a record 27 storms including one named Katrina.
Private insurance companies were slapped with the realization that they could no longer offer policies at the rates they had been charging. The exposure was too great, the severity of a given season was too unpredictable.
In 2006 they sought to raise rates to levels that would allow them to continue to offer coverage, albeit at higher prices than residents were used to paying, and remain fiscally sound.
A candidate at the time, soon-to-be Gov. Charlie Crist campaigned on the populist notion that insurance companies were being greedy and seeking to gouge residents. He promised to keep them in line and protect consumers from obscene profits.
The result was House Bill 1A, passed in a special session of the Legislature and signed by Crist less than a month after he took office.
Said Crist at the time, "With this legislation, the powerless have become the powerful, and the credit goes to the people of Florida for letting their voices be heard."
While it was true the people wanted lower insurance rates, what Crist either missed or willfully ignored was that government can't necessarily legislate what people want into existence.
Among other things, the bill rolled Citizens' rates back to 2006 levels and froze them there.
It also — significantly — changed the way property owners could buy from Citizens. Instead of selling only to residents who could show they couldn't get coverage anywhere else, Citizens became available to anybody who could show even one quote for a rate more than 15 percent above Citizens' rates.
The quasi-government company went from being an insurer of last resort to being the preferred choice for thousands upon thousands of residents faced with the alternative of buying from private companies intent on bringing prices in line with the realities of Florida's vulnerability to hurricanes.
At the time, Crist touted the bill as increasing competition by allowing Citizens to go head-to-head with private insurers. In fact, it decreased competition by driving away major insurers, unable or unwilling to match Citizens' artificially low, capped rates.
Crist wasn't alone in altering the very nature of Citizens Insurance. Supporting and shepherding the bill through the special session were Republicans and Democrats, including then-State Sen. Marco Rubio. HB 1A passed the Senate 40 to 0 and the House 116 to 2.
Fast forward to today and there is broad agreement that Citizens is too large, sets prices too low and carries more exposure than it could ever hope to cover in the event of a major disaster.
Should such an event occur, Citizens customers could, by law, get socked with rate increases up to 45 percent to make up the difference. Noncustomers are at risk too, as every insurance policy in the state — auto, home, life — is subject to a surcharge to help bail out Citizens.
State Insurance Commissioner Tom Grady hosted a "depopulation" conference on Friday seeking ideas to shed customers from Citizens rolls and to attract private companies back to Florida.
Legislation sponsored by Sen. Garrett Richter of Naples, who as a state representative in 2007 voted for HB1A, puts Citizens on a "glide path" toward actuarial soundness by allowing it to raise rates by as much as 10 percent a year.
Grady says the Office of Insurance Regulation, once the nemesis of private insurers, has a new outlook. "I think the office has a different view with the passage of time and the experience since 2007," he said.
Grady acknowledges there's no easy fix. The solution will probably lie somewhere between the two extremes of complete elimination of Citizens and the complete takover of all property insurance by the state entity.
Ideas such as raising deductibles, limiting Citizens coverage to the cash value of a home, as opposed to the replacement value, means testing of customers, and others are all on the table, Grady said.
Whatever the outcome, Florida's lesson with Citizens Property Insurance Co. stands as an example to those who would have government run health care or banking or investment or any other arena where people can be convinced things would be cheaper and better if only you could take greed and profit out of the equation.
"Price controls have unintended consequences," Grady said.
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As a veteran securities lawyer representing individual investors who say they were wronged by brokerage firms, Howard Rosenfield has seen his share of horror stories over the past 25 years.
There was the case a few years ago involving a disabled man whose broker placed half his entire inheritance in a single technology stock. The stock, JDS Uniphase, tanked monumentally, wiping his client out.
When it came time to seek some legal recourse, the client had one option: mandatory industry arbitration. A three-person panel of arbitrators who were paid by the industry to hear the case ultimately found that the broker in question did nothing wrong. Rosenfield's client was awarded nothing.
"It's Wall Street's system," Rosenfield added. "And it can be rough justice."
Complaints against brokers, which are on the rise again in the wake of financial turmoil, are not heard in civil court; instead, they are handled exclusively through the dispute resolution arm of the Financial Industry Regulatory Authority (FINRA), the brokerage industry's self-regulatory organization created in 2007.
FINRA's forerunner, the National Association of Securities Dealers (NASD), was set up more than seven decades ago specifically by the broker-dealer industry to police itself, and settle disputes. Mandatory arbitration has been the norm since 1987, when a Supreme Court ruling upheld the securities industry's position that customer agreements were sufficient means to prevent any cases from ever going to court.
According to securities lawyers who have handled hundreds of such cases, investors often overlook the fact that when they formally establish a brokerage account -- which requires signing the customer agreement -- they voluntarily stipulate to settle all disputes via an industry-run arbitration process.
But this may soon change.
Among the myriad of financial industry reforms currently being debated on Capitol Hill are some specific proposals, coming from the House, Senate and the Obama administration, which would prohibit or restrict mandatory arbitration, giving investors, finally, at least the option to take their brokers to court.
Rosenfield, who once sued FINRA, has been outspoken in calling for the need to reform the way Wall Street metes out justice. In the end, he stressed, the issue boils down to choice.
"It's time to end mandatory arbitration," the Farmington, Conn.-based lawyer said. "Give investors the right to decide if they want to go to a regular court, or to arbitration."
Jonathan Kord Lageman, another veteran New York securities lawyer, was more blunt: "FINRA arbitration is a sham."
Last year, FINRA logged 7,137 cases, up 43 percent from 2008. Three-fourths of the cases involved complaints made by individual investors; the rest of the cases were "intra-industry" disputes, such as a brokerage employee alleging unfair treatment by his employer.
The bulk of investor cases (or around three-fourths of them) are settled before ever going to a formal arbitration proceeding. Lageman and Rosenfield both stressed that most cases are settled primarily because securities lawyers know to avoid formal FINRA arbitration if at all possible.


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Posts Tagged 'Bay'
Peek-A-Boo Ja Vonne Hatfield, Pedestrian Bridge, Near Where the 101 Meets the I-80Wednesday, October 1st, 2014
Illegally Riding Your Bike Across the World's Most Expensive Span – Bay Bridge from Oakland to TI – VideoTuesday, September 2nd, 2014
Stanley Roberts has the deets on this video from Davet Mohmmed:
Here's the East Bay's Giant "Left Coast Lifter," Or What's Left of It, After The Big Barge Went to New YorkWednesday, August 20th, 2014
So the barge was the Left Coast Lifter and not the crane part?
As seen just a couple months ago in Oakland:
Click to expand
The Giant Gnomons of The Bayview – Steel is Real – Track This Sundial to Hilltop ParkThursday, July 17th, 2014
Here's is all I know about the giant sundial:
"This sundial is located in Hilltop Park in the Bayview District of San Francisco. The steel gnomon is 78 feet long."
Click to expand
Big, isn't it?
Can You Name the Extreme Points of San Francisco – North, South, East, and West? It's Hard!Wednesday, July 16th, 2014
[UPDATE: Oh, man, you people are clever:
1. So what about SFO airport as southernmost? Well, that place is "owned and policed by the City and County of San Francisco, but is located in and entirely surrounded by adjacent San Mateo County." So that's why the San Mateo County Coroner was involved in the SFFD's bungled handling of the Asiana 214 crash landing. Another situation would be with San Francisco's O'Shaughnessy Dam up in Hetch Hetchy near Yosemite - a murder on top of that dam would be prosecuted by the Tuolumne County DA (or maybe the Feds – you all might be right, IDK), not by the SFDA. Don't ask me about which DA would handle a stabbing at San Francisco Jails #5 or #6 down in San Bruno, San Mateo County. (Perhaps the counties have an agreement over prosecution? IDK.) OTOH, a crime on the western tip of Alameda Island would be handled by the SFDA.
2. And Candlestick Point (and the entire southern border of mainland SF)? It's ever just ever north of the southernmost part of the Farallones – that's a real close call.)
This is hard, this game of identifying the northernmost, southernmost, westernmost, and easternmost points of San Francisco.
If you guess, you're going to make mistakes.
All right, in no particular order, here are the answers:
Seal Rock, aka Saddle Rock
Red Rock
North Farallon Islands
Alameda Island
I'm srsly.
1. Northermost: Red Rock Island. It's about eight miles north of Fisherman's Wharf. Seems as if it's always for sale. You can get there by kayak and then hike to the top if you want – put that on your bucket list.
As seen from the mainland of San Francisco. The Richmond San Rafael Bridge and East Brother Island are in the background:
Red Rock at 600mm on a very clear day. Don't try this with your iPhone camera – your shot might not come out so hot.
2. Southernmost: Seal Rock, South Farallon Islands. It's south of Southeast Farallon Island. It can be seen on the left side here.
And here it is as seen from Twin Peaks:
840mm, on a very clear day.
3. Westernmost: North Farallon Islands.
Actually, it's this islet in the upper left here, seen with North Farallon Island and St. James Island in the lower right. (I'm surprised that this unnamed rock hasn't yet been named for a longtime local political strongman like Willie Brown or Rose Pak):
4, Easternmost: Alameda Island. Surprise! Work out your denial issues here.
As seen from the (old) Bay Bridge, the eastern span, the one that was never named for a local political strongman, like Willie Brown or Rose Pak:
Here are the four points, underlined, to sum up:
Oh, even better is if you let Google Maps highlight the county line in red. (If you zoom in on the linked page, you can also see a couple of places on Angel Island that Google similarly correctly ID'ed as parts of San Francisco.)
Thanks for playing!


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- Points-Blown page is updated, and shows:
- Columbus is much worse off than the official standings (and pundits) would have you believe.
- St. Louis is better off than the official standings say.
- This has mostly to do with the fact that Columbus has only 12 games left, and St. Louis has 15. Everyone else who is still in contention has 13 or 14 games left.
- Tie-breaker news: Kings are second in ROWs, behind Chicago, and third in goal-differential, behind Chicago and Anaheim.
- Kings are best in the West in regulation wins, with 19.
- Last night's win over Dallas, brings the season series even, with two games remaining.
- Kings have two games left against each of Anaheim, Minnesota, San Jose and Dallas.
- Season series against each of those four teams is tied.
- All the remaining games are important, but those eight games will hugely affect who makes the playoffs and who doesn't. Splitting each of those mini "series" would be okay, but getting swept could be deadly.
- For most of the season, NHL games have been worth 2.30-2.31 points on average (that is, every third game goes to OT or SO). I noticed lately though that the average has dropped to 2.27 (closer to one game in four going to OT in SO). Since that's the average for the whole season, that means the number for recent games has been much closer to 2 points. In other words, those Bettman points are getting harder and harder to come by.
- Jonathan Bernier is second in the league in GAA, at 1.95.
- Jeff Carter leads the league in game-winning goals, with 6.
- Brian Boyle is 7th in the league in face-off percentage, at 57.8%.
- Jarret Stoll is 16th, at 54.8%.
- Anze Kopitar is 22nd, at 53.6%
- Former Monarchs in NHL rookie scoring: Jake Muzzin, 13th (14 points); Rich Clune, 23rd (8 points); Tyler Toffoli, 42nd (5 points); Thomas Hickey, 59th (3 points).
- Muzzin is 1st in rookie plus/minus.
- Toffoli is 2nd in rookie points-per-game, among rookies with more than 5 games.
- Clune is 3rd in rookie hits, Muzzin 13th, our old friend Radko Gudas (now playing in Tampa) is 17th.
- Muzzin is 6th in rookie time-on-ice.
- Drew Doughty is 4th in the league overall, in TOI.
- Jeff Carter is 3rd in the league in 5-on-5 goals per 60 minutes of ice time. Andrei Loktionov is 6th.
- Hickey is the top defenseman on the Islanders in goals-against per 60 minutes (GA/60).
- Muzzin, Alec Martinez, Davis Drewiske and Keaton Ellerby are all in the top 15 defensemen in GA/60, league-wide.
- The playoff threshold in the West is holding firm at 54 points (better than 90% for most teams).
3 comments for "Monday morning bullets: playoffs, points-blown, rookie stats"
And yet, one of the trade rumors reported on SBNation is that Columbus is looking to deal one of its 1st rounders in the next draft for a scoring forward, presumably to make a run at that last playoff spot. Is this foolishness or, as Lombardi used to talk about, a reward to the present group of players for sticking to it and not giving up on the season?
And just as things were settling along comes Rheger. W, T, F? Only one waiver free player of which I am aware. Really enjoyed Toffoli's fundamentals… Always facing the play with a stick on the ic. Getting on the back check. That release…wow!
Two second round picks may not be the end of the world but using them to bring in a down-sider might be.
Yeah, I'm not enthused about this deal. I can see Regher as a veteran insurance policy for the defense. But two 2nd rounders seems like too steep a price, considering that the current brain trust has in the past used 2nd rounders to bring in the likes of Voynov and Toffoli.


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The Vermont Legislature passed a disclosure bill that would require drug and medical-device makers to report all payments made to health care providers. The law, which is scheduled to go into effect July 1, would impose more limitations on payments compared with disclosure rules in other states.
View Full Article in:NYTimes.com
Published in Brief:


text: Strategy Lab Video: Strategy Lab: Where investing theory meets stock market reality Add to ... The Globe and Mail Published Friday, Sep. 14 2012, 8:54 PM EDT Last updated Wednesday, Sep. 26 2012, 4:41 PM EDT Stock market ideas, investing insights -- and competition. Watch and participate as four of Canada's brightest investors go head to head in the battle for portfolio supremacy. Watch More Video: Charter to acquire Time Warner Cable for $55-billion Market Call Tonight: Top picks from J. Zechner Associates' John Zechner ATB's chief economist on Alberta's economic outlook Toronto's condo flippers hitting the pause button Market Call Tonight: Top picks from Northland's David Cockfield 'Financial porn' and why you should be wary of it Shopify highlights Ottawa's tech revival Jeff Rubin on why Canada's food industry may soon be more valuable than oil April inflation slowest since 2013 Market Call Tonight: Top picks from ScotiaMcLeod's Stan Wong What's behind the dramatic rise and fall of BlackBerry? Drawing Conclusions: What new TFSA rules mean for young Canadians TVs, phones fuel Best Buy results Takata struggles to replace defective air bag inflators Vancouver facing labour shortage because of housing prices Why retailers are skipping millennials for centennials Etsy's identity crisis weighs on share price Bull vs. Bear: Should Canada set up infrastructure banks? China is building the world's second-tallest building. Is that a bad economic sign? Big banks plead guilty to felony anti-trust violations Comments AA More Related to this Story Strategy Lab Video: How a teacher became a millionaire with index investing Strategy Lab Video: Why this growth investor is hungry for tech stocks Strategy Lab Video: How do-it-yourself investors can win with dividends


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I Shouldn't do This But I am Anyway
by, 9th February 2013 at 08:28 AM (326 Views)
1. Think of the last person who said I love you, do you think they meant it?
I can't remember the last time someone told me that.
2. Would you date an 18-year-old at the age you are now?
3. When's the last time you were aggravated and happy at the same time?
Probably a few days ago, since I'm always mad at myself nowadays.
4. Would you ever smile at a stranger?
Not in the state I've been in lately.
5. Is there someone mad because you're dating/talking to the person you are?
I don't know.
6. Have you heard a song that reminds you of someone today?
No. I will at some point, I'm sure. Everything reminds me of her.
7. What exactly are you wearing right now?
Black Batman T-shirt, blue jeans, and black hooded jacket. And boxers, if you want me to get specific.
8. How often do you listen to music?
Every waking moment.
9. Do you wear jeans or sweats more?
10. Do you think your life will change dramatically before 2014?
Probably. Nothing ever lasts in my life.
11. Are you a social or an antisocial person?
Antisocial, definitely.
12. Have you ever kissed someone whose name begins with the letter 'A'?
I've never kissed anyone.
13. What about 'R'?
14. Can you drive a stick shift?
15. Do you care if people talk badly about you?
If it's the kids at school or something like that, then I couldn't give less of a shit.
16. Are you going out of town soon?
I go "out of town" every week because I have two houses.
17. When was the last time you cried?
18. Have you ever told someone you loved them?
19. If you could change your eye color, would you?
I don't really care.
20. Is there a boy who you would do absolutely everything for?
A girl, yes.
21. Name something you dislike about the day you're having.
22. Is it cute when guys kiss you on your forehead?
23. Are you dating the last person you talked to?
I wish I were.
24. What are you sitting on right now?
My ass.
25. Does anyone regularly (other than family) tell you they love you?
One good friend of mine.
26. Have you ever wanted someone you couldn't have?
I do right now.
27. Who was the last person you talked to before you went to bed last night?
I don't know.
28. Do you get a lot of colds?
Not really.
29. Where is the shirt you are wearing from?
I don't remember. I want to say Target.
30. Does anyone hate you?
31. Do you have any empty alcohol bottles hidden somewhere in your room?
32. Do you like watching scary movies?
Creepy, bleak, and dark movies, yes, but not scary movies.
33. Do you want your tongue pierced?
34. If you had to delete one year of your life completely, which would it be?
35. Did you have a dream last night?
36. When was the last time you told someone you loved them?
Yesterday. She didn't say it back.
37. Do you think you'll be married in 5 years?
No. I don't think I ever will.
38. Do you think someone has feelings for you?
39. Do you think someone is thinking about you right now?
My mom, maybe. She's been really concerned about me lately.
40. Did you have a good day yesterday?
41. Think back 2 months ago; were you in a relationship?
42. In the next 48 hours, will you hang out with a girl?
Probably not.
43. Has anyone told you they don't want to ever lose you?
I can't remember. Probably. She did in the end, though. But she doesn't care, so it's all good.
44. What's the best part about school?
45. Do you have any pictures on your Facebook?
Very, very few. I plan to add a couple more soon.
46. Do you ever pass notes to your friends in school?
No. The only note I've ever received was from a guy saying that the girl next to him liked me. But he's an ass-wipe, he was just trying to mess with me.
47. Do you replay things that have happened in your head?
48. Were you single over the last summer?
49. Is your life anything like it was two years ago?
Not really.
50. What are you supposed to be doing right now?
Thinking happy thoughts.
51. Do you hate the last guy you had a conversation with?
52. Are you nice to everyone?
53. Have you ever liked someone you didn't expect to?
I can't say I have, to be honest. :P
54. Do you think you can last in a relationship for 6 months and not cheat?
Yes. I would have if she let me.
55. Are you good at hiding your feelings?
56. Do you think you like someone?
Yes. I hate myself for it every day.
57. Have you kissed someone whose name starts with a 'J'?
58. Do you prefer to be friends with girls or boys?
I get along with girls better.
59. Has anyone of your friends ever seen you cry?
I think so.
60. Do you hate anyone?
I guess. Nobody here, though.
61. How's your heart?
Physically fine, metaphorically broken, scarred, and beaten to a pulp.
62. Is there something that happened in your past that you hate talking about?
63. Have you ever cried over a guy?
Over a girl, yes.
64. Who is probably talking a load of crap about you right now?
I don't know.
65. Are your toenails painted pink?
Well, hey, I've laughed for once today.
66. Will your next kiss be a mistake?
67. Girls love it when boyfriends cry; correct?
68. Have your pants ever fallen down in public?
69. Who was the last person you were on the phone with?
My mom.
70. How do you look right now?
They way I usually do. A mixture of sad, bored, and angry.
71. Do you have someone you can be your complete self around?
Yes, but I shouldn't.
72. Can you commit to one person?
I was.
73. Do you have someone of the opposite sex you can tell everything to?
Yes, two, though one of them doesn't want to hear it.
74. Have you ever felt replaced?
I might be right now.
75. Did you wake up cranky?
If depressed counts as cranky, then yes.
76. Are you a jealous person?
77. Are relationships ever worth it?
For a few lucky people, yes.
78. Anyone you're giving up on?
Not really. Like, kinda, but... I dunno. Next question.
79. Currently wanting to see anyone?
80. Name something you have to do tomorrow?
Head back to my other house.
81. Last person you cried in front of?
I dunno.
82. Is there someone you will never forget?
83. Do you think the person you have feelings for is protective of you?
84. If the person you wish to be with were with you, what would you be doing right now?
Trying to make sure I didn't do something stupid.
85. Are you over your past?
86. Have you ever liked one of your best friends of the opposite sex?
I do right now.
87. Is there anyone you can tell EVERYTHING to?
88. If your first crush knocked on your door with an apology and presents, would you accept?
"Crushes" are dumb, childish things.
89. So, the last person you kissed just happens to arrive at your door at 3AM; do you let them in?
90. Have you ever liked someone who your friends hated?
91. Will you be in a relationship in 2 months?
Never again.
92. Is there anyone you know with the name Michael?
93. Have you ever kissed a Matthew?
94. Were you in a relationship in January? How was it going?
95. Were you happy with the person you liked in March?
I didn't like anybody last March.
96. Don't tell me lies, is the last person you texted attractive?
She's alright. :I
97. Who do you have texts from?
My mom, some teachers, a friend of mine.
98. If the person you like says they like someone else, what would you say?
Nothing. I don't want to know what I'd to to myself after.
99. Have you ever kissed someone older than you?
100. Has anybody ever given you butterflies?
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AirFest 2015 Admission$ 30.00
View product
With the overwhelming success of car load pricing Rockford AirFest is charging admittance by the car load again this year. There is no per person general admission charge. All passengers must be legally seated in the car. Pre-Pay for admission now and save 25%.
Gate Price: $40
Pre-Paid Price: $30
A Pre-Paid parking pass will be mailed to your address
*Motorcycle admission will be $20.00 and only available day of show. You can not pre-purchase these tickets.


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Learn more about ESRB Ratings
Show availability and shipping details
Synopsis Get ready to plunge into the lush and deadly world of the Italian Renaissance, an era of arts, riches and murderous conspiracy. Assassin's Creed II introduces you to Ezio, a new assassin carrying on the deadly lineage of his forebears. Confront an epic tale of power and corruption as you hone your assassin's art, wielding weapons and instruments designed by the legendary Leonardo da Vinci himself in this gripping and deadly sequel.
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RIDGE, N.Y., Oct. 21 /PRNewswire/ -- What's the cost of saving a teenage life? When it comes to preventing accidental death resulting from prescription medication abuse, there's no price tag. Parents with good intentions, however, may be unaware that the lock-boxes they've installed are not protecting their teens from the ticking timebomb of prescription drugs. That's why MEDNET(TM), a national leader in premium-quality medical supplies, has formed an exclusive partnership with Axius Healthcare Group to distribute MedSafe(TM), the most secure medical safe on the market today.
"MedSafe is a real safe, setting it apart from medicine cabinets and other inferior lock-box products," says Lorraine Yarde, principal of the Axius MedSafe division of Axius Healthcare Group, which manufactures products that prevent loss in the healthcare industry and address patient safety concerns. "We've been developing this safe for five years in response to specific consumer demand. MedSafe is much more than a deterrent - it's peace of mind for parents, grandparents and caretakers, and provides real protection against prescription drug abuse."
Made of high-grade steel, MedSafe (http://www.MedSafeStore.com) features a biometric fingerprint reader, so its contents are accessible only to the parent or person who programs the safe. MedSafe technology is proven: it has been used in the healthcare industry for years, securing medications in doctors' offices nationwide. Moreover, it is the number-one choice for gun enthusiasts and law enforcement officers to store handguns in the home, winning endorsements from the National Rifle Association and The Handgun Club of America. Other lock-box products available on the market today, made from plastic and using confusing combination locks or mechanical keys, do not stand up to the durable steel and high-tech security features of
|SOURCE MEDNET Direct Corp.
Copyright©2009 PR Newswire.
All rights reserved


text:
The US and China on Wednesday announced a negotiated agreement to reduce greenhouse gas output. Leaders of both countries negotiated secretly to arrive at the following pledge: The US seeks to reduce emissions by a quarter or more by 2025, while China will implement greater use of zero-emission ...[read more]
A major challenge for the international response to climate change is the allocation of responsibility between industrialized and developing countries for remediation and mitigation. While industrialized countries like the United States have a history of emitting greenhouse gases and are ...[read more]
According to many experts, such as those that comprise the US Global Change Research Program, climate change as a result of global greenhouse gas emissions is one of the most pressing and controversial environmental issues facing the international community today. In recent decades, many nations ...[read more]
The US Supreme Court on Monday limited the power of the Environmental Protection Agency (EPA) to regulate greenhouse gases while still leaving the agency free to do so in most cases. In Utility Air Regulatory Group v. EPA, which was consolidated with six other cases, the court was considering ...[read more]
The US Supreme Court heard oral arguments Monday on the federal government's power to regulate certain greenhouse gases. In United Air Regulatory Group v. EPA, which was consolidated with six other cases, the court has limited the grant of review to the following issue: Whether the Environmental ...[read more]
The US Supreme Court agreed Tuesday to rule on the federal government's power to regulate certain greenhouse gases. The court granted petitions for certiorari in six related cases, consolidating them and limiting the grant to the following question: "Whether EPA permissibly determined that its ...[read more]
The US Supreme Court declined Monday to review an Alaskan village's claims that greenhouse gas producers should be held accountable to the village for pollution that threatens its vitality. Kivalina, a village of Inupiat Eskimo natives, filed suit against 22 corporations in 2009 for damages caused ...[read more]
On January 29, 2010, US President Barack Obama ordered the federal government to reduce greenhouse gas emissions by 28% by 2020. The reduction order followed a December 2009 announcement from the Environmental Protection Agency (EPA) that greenhouse gases threatened both public health and the ...[read more]
The US Court of Appeals for the Ninth Circuit affirmed on Friday the dismissal of the Alaskan village of Kivalina's nuisance claims against energy companies for greenhouse emissions it claimed contributed to global warming and threatened its existence. Kivalina brought suit against 22 energy ...[read more]
JURIST Guest Columnist Hua Wang, Northwestern University School of Law Class of 2012, writes on the need for policies that combine market incentives with outright prohibitions to achieve enforcement and compliance with international environmental regimes...Climate change threatens catastrophic ...[read more]


text:
Ron 'Bumblefoot' Thal Talks Art of Anarchy, Solo Album, Guns N' Roses + More
Ron 'Bumblefoot' Thal speaks with Loudwire Nights host Full Metal Jackie about Art of Anarchy, Guns N' Roses and his solo work.
Ron 'Bumblefoot' Thal speaks with Loudwire Nights host Full Metal Jackie about Art of Anarchy, Guns N' Roses and his solo work.
Guns N' Roses guitarist Ron 'Bumblefoot' Thal will unleash his 10th solo album 'Little Brother is Watching' on Feb. 24.
The outfit boasts a lineup that includes former Stone Temple Pilots / Velvet Revolver vocalist Scott Weiland, guitarist Ron 'Bumblefoot' Thal (Guns 'N Roses) and bassist John Moyer (Disturbed).
Anthrax's Frank Bello and Megadeth's David Ellefson are no strangers to being in front of the camera, but Saturday night will be the television debut for their new band, Altitudes & Attitude. The veteran rockers will speak with hosts Eddie Trunk, Don Jamieson and Jim Florentine on the next edition of 'That Metal Show,' airing Saturday night (Feb. 1) at 11PM ET/PT on VH1 Classic.
Sad news to report from the Guns N' Roses camp. The father of guitarist Ron 'Bumblefoot' Thal has passed away.
Leave it to Kiss to bring four diverse rockers together for a new project. Guns N' Roses guitarist Ron 'Bumblefoot' Thal and Pantera and Kill Devil Hill bassist Rex Brown are just two of the members of the new all-star Kiss tribute band A.L.I.V.E.!. A.L.I.V.E.! also features former Whitesnake drummer Brian Tichy, and Kill Devil Hill guitarist Mark Zavon. The foursome are calling their new collaboration A.L.I.V.E.! a true tribute to '70s era Kiss.


text:
Worth the trip
Fahey/Klein Gallery in Los Angeles is one of the nation's advocates of fashion photography as art.
Following its exhibition of Peter Lindbergh's photographs, which finished its run last month, the gallery is now showcasing the work of Argentian-born and New York-based Diego Uchitel, whose photographs have been featured in Elle, Harper's Bazaar and Vanity Fair.
The exhibition, which runs through June 7, focuses on images curated from Uchitel's 2012 monograph, "Polaroids." Uchitel, like other photographers in the pre-digital age, took Polaroids to test a shot before using film.
He pinned those Polaroids to his first New York studio wall, all of which eventually formed a mosaic that became a focal point, a visual timeline and an album of his career.
Selected photos, including their tape marks, pin holes, tears and worn edges, were enlarged for the exhibition.
The Fahey/Klein Gallery is at 148 N. La Brea Ave., Los Angeles, and for more information go to faheykleingallery.com.
– Lisa Liddane, Style Writer
New gear at The OC MIX
Just launched at Costa Mesa's hip OC Mix at SOCO is a new brand of high-tech athletic gear: DYLN Inspired.
The line, according to the Costa Mesa-based company, uses nanotechnology to create a proprietary fabric with which it makes its clothes. The fabric, trademarked as VitaPearl, includes "far-infrared" technology that enhances a workout and also includes "authentic crushed pearls" embedded in the textile for a luxe feeling.
That's all pretty science-y for us, but the line is cute with lots of yoga pants and running tights in velvety black accented by bright blues and oranges and complimenting tank tops that look like they give great coverage; prices range from about $52 for shorts to about $138 for jackets (we think the "Begin Again" jacket in amber would be a great addition to our nearly all black and gray gym ensembs). The line is also sold at Equinox gyms.
The new boutique is located at The OC Mix, 3313 Hyland Ave., Costa Mesa and is open Monday-Sunday. For more information, call 949-209-9401 or go to dylninspired.com.
– Julie Gallego, Fashion Editor
Vans + Star Wars


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Recipe rock
I have now bought several of these and everybody that sees it wants one. I will be ordering more.I recommend this product.Was this helpful?
Recipe Rock
This is such a neat tool. The best thing is that it is small enough to put in a drawer, not another thing on the counter.I recommend this product.Was this helpful?
Pleasantly surprised
For its size, the Recipe Rock does all it says. The magnet is strong and keeps recipes off the counter and out of the mess. Also, holds the recipe at a good angle for reading. Very happy with this purchase.I recommend this product.Was this helpful?
Customer Reviews for Green Recipe Rock by Architec
Overall Rating:
4.5 out of 5 stars, based on 364 ratings
98% of reviewers recommend this product
96% say this is a "good value"
Holds up recipes of all kinds.
This rock holds up recipes printed on thin paper (pages torn from magazines) as well as rigid index cards. Love it.I recommend this product.Was this helpful?
- March 6, 2014
- By: Donna
- From: CA
- I Cook: Very Often
- Style: Convenience
I'm not exactly sure why the red recipe rock arrived sans packaging and user info, when the grey one did?I recommend this product.
- March 4, 2014
- By: Eileen
- From: CA
- I Cook: Every Day
- Style: Adventurous
This item will be a gift, I had to choose this one because it came in a sealed package and the red one did not!I recommend this product.
- March 4, 2014
- By: Eileen
- From: CA
- I Cook: Every Day
- Style: Adventurous
Recipe rock ROCK's
Although I have many cook books I usually print out a recipe from Americas Test Kitchen etc. and it's a pain in the rump roast. The little gadget does the trick. Works even better than I imagined because the ingredients are usually on page 1 and when you are on page 4 and it instructs you to add chicken stock, you can easily flip to page one and back to four. My only negative comment was the box it was shipped in could easily hold at least 1 pair of shoes...lol. I liked it so much I bought one for my daughter. Just buy it!I recommend this product.Was this helpful?
- February 21, 2014
- By: Mark
- From: WA
- I Cook: Every Day
- Style: Recipe Follower
Too Small
The rock did not hold up my recipe that was in a plastic sheet protector - page bent forward.The holder should be higher, so as to hold up an 8.5 x 11 piece of paper.
- February 11, 2014
- By: val
- From: NJ
- I Cook: Every Day
- Style: Simple
What a wonderful idea!! I can't believe no one thought of it sooner!I recommend this product.
- February 7, 2014
- By: Anonymous
- From: MI
- I Cook: Every Day
- Style: Adventurous
Great idea!
Great little gadget. Holds recipes up without having to prop or tape to a cupboard door. Magnet is strong and holds most recipe cards and sheets.I recommend this product.
- February 4, 2014
- By: Patricia
- From: NY
- I Cook: Very Often
- Style: Creative
Great product,
Only drawback is it will only hold 1-2 sheets of paperI recommend this product.Was this helpful?
- January 22, 2014
- By: Debra
- From: VA
- I Cook: Every Day
- Style: Professional
Great Gifts
I thought these were great and will order more for gift giving. Neat little gadget for every kitchen, wish I had access to one years ago.I recommend this product.
- January 20, 2014
- By: Anonymous
- From: KS
- I Cook: Every Day
- Style: Family
This will keep your recipes off of the counter. It also has a nice angle making them easier to readI recommend this product.Was this helpful?
- January 18, 2014
- By: Brian
- From: WI
- I Cook: Every Day
- Style: Recipe Tinkerer
Clever Idea
The Recipe Rock works well and doesn't take much room. I will enjoy using it.I recommend this product.Was this helpful?
- January 16, 2014
- By: Marilyn
- From: IL
- I Cook: Every Day
- Style: Recipe Follower
MUCH SMALLER THAN I INVISIONED, BUT IT DOES THE JOB. IT WAS A GIFT AND THE RECEIVER LOVES IT.I recommend this product.
- January 14, 2014
- By: BRENDA
- From: VA
- I Cook: Very Often
- Style: Experimenter
Small but Mighty
When I saw it for the first time I was slightly disappointed as I was expecting it to be larger. But once I began using the Recipe Rock I was pleasantly surprised. The magnet is powerful enough to support not only an index card but a full sheet of paper. Its compact size makes it easy to store (just don't misplace the magnetic ball). My recipe is now kept safely out of the way from any splashes or spills yet held at an angle that is easy to read. I can now stop taping my recipe to the cabinet door. Having a non-slip bottom would have merited a 5 rating.I recommend this product.
- January 13, 2014
- By: Clare
- From: NY
- I Cook: Every Day
- Style: Baker
I loved it and it hold up to ten page......I
I like it,but I order one for myself and one for my sister,they only came in the wrong color I order....I did order two red ones.......I recommend this product.
- January 12, 2014
- By: Anonymous
- From: NJ
- I Cook: Every Day
- Style: Convenience
Neat "Rock"
As someone who LOVES gadgets, I looked forward to the arrival of the "Recipe Rock" with great expectations. Happily it is no more nor no less than advertised. It looks attractive sitting on my counter, and functions well as a holder of recipe cards or pages. Time will only tell how practical the "Rock" is as I use it more often.I recommend this product.Was this helpful?
- January 6, 2014
- By: Judith
- From: NY
- I Cook: Every Day
- Style: Experimenter
Love this little gadget!I recommend this product.
- January 6, 2014
- By: Faith
- From: KS
- I Cook: Every Day
- Style: Adventurous
This recipe rock is perfect! I purchased 3! 1 for me and two for my girls, so easy now in the kitchenI recommend this product.
- January 4, 2014
- By: Patrice
- From: CA
- I Cook: Every Day
- Style: Recipe Follower
Recipe Rock
This little gadget is just so handy. I love it!!!!I recommend this product.
- December 31, 2013
- By: Betty
- From: SC
- I Cook: Every Day
- Style: Adventurous
cute stocking gift
I ordered this in three colors to use as stocking gifts. One did not come so I cancelled it. It's a cute concept and hopefully it will be useful but it is pricey for such a simple product.I recommend this product.
- December 30, 2013
- By: Jane
- From: NH
- I Cook: Very Often
- Style: Griller
Unique gift
I purchased this for my daughter-in-law who has a lot of her grandmother's recipes written on 3x5 index cards. It was purchased as a unique gift for Christmas and the rest of the family had a lot of fun guessing its use (I took it out of the packaging.) She loves it and it fit the bill as a unique gift.I recommend this product.
- December 29, 2013
- By: Naomi
- From: OK
- I Cook: Very Often
- Style: Simple


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What does BFFW stand for?
What does BFFW mean? This page is about the various possible meanings of the acronym, abbreviation, shorthand or slang term: BFFW.
We've found a total of 2 definitions for BFFW:
Filter by: Sort by:PopularityAlphabeticallyCategory
Ballet Folklorico de Fort Worth
British Federation of Ferret Welfares
Still can't find the acronym definition you were looking for? Use our Power Search technology to look for more unique definitions from across the web!
"BFFW." Abbreviations.com. STANDS4 LLC, 2015. Web. 22 May 2015. <http://www.abbreviations.com/BFFW>.


text:
Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
without your permission.
We will send you an email with an invite soon.
Seven Sayreville High School football players charged in sexual hazing scandal - NY Daily News #Jersey
21 students suspended after high school prank #SaltPeter #Louisiana
2 Female #Destrehan High School teachers accused of sex with male student | #Louisiana
Alabama high school says NSA was monitoring students on social media
Sheriff investigating 2 teachers at Destrehan High School, TV station reports | #Louisiana
#Louisiana High School Calls Off Raffle Of 52 Guns
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- Join Date
- Oct 2006
- Location
- Just north of Pittsburgh, PA USA
- Posts
- 139
Posted On:
12/01/2008 6:50pm--
Plaxico Burress (what NOT to do)
The media (http://www.nytimes.com/2008/12/02/sp...l?ref=football) is now reporting that Plaxico shot himself with a Glock .40.
Can anyone think of a way to shoot yourself with a Glock without actually pulling the trigger?--DON'T TRY THIS AT HOME!
Registered Member
- Join Date
- Dec 2006
- Location
- New York, New York
- Posts
- 212
Posted On:
12/01/2008 11:20pm
- Join Date
- Apr 2003
- Location
- New England
- Posts
- 9,898
Posted On:
12/01/2008 11:47pm
Light Heavyweight
- Join Date
- Oct 2003
- Posts
- 3,530
Posted On:
12/02/2008 8:19am--
I seem to recall another incident with a "glock forty", a negligent discharge, and a lower extremity.
YouTube - DEA Shoots Himself
Much like the tower of Babel.
Last edited by Nid; 12/02/2008 8:22am at .
Style: This and that--
I think Gaston Glock invented the "safe action" as a tool of natural selection. His guns do not suffer fools.
+rep for Glock.I'm not giving you my opinion, I'm telling you how it is.
His heart was visible, and the dismal sack that maketh excrement of what is eaten.
- Join Date
- Mar 2006
- Posts
- 7,040
Posted On:
12/03/2008 11:40am
Style: bjj--
**** the Giants.
That said.. Here we have another ignorant celebrity/athlete.. with a firearm that he did not have a permit to cary.. discharging it in a public avenue, and a hospital that did not report it? Now we hear that the football team may have tried to cover it up?Website Administrator Tom Kagan just loves email, instant messages, private messages, text messages, tweets, status updates, and every kind of personal contact. You can reah him at his personal email account at [EDITED BY TOM KAGAN] or even on his cell phone number at [EDITED BY TOM KAGAN].
- Join Date
- Feb 2008
- Location
- Snake Mountain, Eternia
- Posts
- 632
Posted On:
12/26/2008 9:10am--Originally Posted by E-Van
Ha...to add insult to injury...the cops raided his house (with a warrant) and found unregistered guns, ammo, plus the pants he was wearing the night he was shot (covered in blood). Now to take his side for a moment...I'd be pissed if the cops showed up and tried to take my guns (on the suspicion that they MIGHT not be registered), however if they had access to the gun registry and it showed that Plaxico had nothing registered...then he might be fooked. To add even MORE insult to this idiot, he gets into an accident (his fault) with his $140,000 car--which resulted in the injury of a woman and this dork hasn't paid car insurance in 5 months! Yeah....so in essence, he's screwed.


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Clifden Town Hostel
Real Reviews
Real reviews from fellow travellers
These are trusted reviews from guests who have actually stayed here. We hope you find them helpful.
Note: we only give a property a rating once it has received a minimum of 3 reviews.
- Page:1/1
- " Nice and comfortable stay in Clifden, The hostel was comfortable, kitchen facilities good and centrally located to this beautiful town. Manager nice and helpful. "
- 14 Mar 2015 Kara Australia
- " The best staff of Ireland ! Helpful, nice... Thank you so much, we want to come back again !! Location near to Skyroad, so perfect ! "
- 28 May 2014 Véronique France


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Winter!: Prepare for holiday gaming!
The game that started my pokemon addiction. After all these years I can still go back to this game with no hesitation. I would argue that this is the best game out of the series. One of my all time favorite games.
Game Traits applied to Pokemon: Red Version (GB) by nstern2
Member actions:


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Celebs now fashionable targets in hoax 911 calls
Police arrested a 12-year-old boy in December who is suspected of placing swatting calls at numerous homes, including Kutcher's. That call brought out many heavily-armed officers and prompted the actor to leave the set of "Two and a Half Men" to make sure his home and workers were safe.
Prosecutors are still evaluating potential charges against the boy.
"If we catch you, and we're going to catch you, you're going to be prosecuted," Smith said. "We've got some pretty clever detectives in this department. They'll find out who did these things."
There are also concerns that swatting will lead officers to treat certain 911 calls differently.
"At some point, we don't want law enforcement to feel like this is another cry-wolf situation," Lieu said.
Smith said that's a possibility, but he said officers are being told to treat all 911 calls with caution, even if they know they're traveling to a celebrity's home and the call has the traits of a prank.
The California bill, which is also being proposed by Assemblyman Mike Gatto, would increase the penalties for convicted swatters to up to three years in jail if someone was hurt as a result of their call, and also make them responsible for the costs of the emergency response.
Whitmore and Smith said they did not have precise estimates for how much swatting calls cost, and it does not appear any agency is tracking the phenomenon nationwide.
The term swatting was coined by the Dallas FBI office a few years ago after its agents busted a group responsible for 60 hoax calls around the nation. The group's leader was sentenced to more than five years in prison and ordered to pay more than $75,000 in fines, although most swatting calls are handled by local authorities.
Hoaxers often use a computer and programs available online to trick 911 systems into thinking the distress calls are coming from the address where officers are dispatched, even though the prankster may be miles, or several states, away.
Although the use of Internet phone providers can make it harder to track the callers, "nothing on the internet is ever terribly secret," Smith said. "There's always going to be a trail,"
Spoofing a phone number is legal and used for many legitimate business purposes, but it has become a favorite technique of pranksters to harass strangers or send pizza deliverymen or locksmiths to unwitting targets' homes.
Dr. John Grohol, a research psychologist who studies internet behavior and founded the online community PsychCentral.com, said the motivation for celebrity swatting may be rooted in the hoaxers desire to impact the stars' lives and gain notoriety for themselves in online communities.
"You have to kind of look at it from the perspective that most people don't have a lot of opportunity to affect a celebrity's life directly," Grohol said. "This is a way that a person can feel empowered."
Anthony McCartney can be reached at http://twitter.com/mccartneyAP
The Associated Press


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Two charged in abduction
Bonds have been set for two people charged with the aggravated kidnapping of 5-year-old Isaac Lujan, Wichita County court records show.
Sandy Lujan, 42, and Oscar Lujan, 27, were each charged with aggravated kidnapping and burglary of a habitation in connection with the incident. Bond for each was set at $500,000. Both were being held Thursday in the Wichita County Jail.
According to arrest warrant affidavits:
About 7:50 p.m. Oct. 4, officers went to 2101 Giddings to check on a possible child abduction. They talked to the 5-year-old's mother and a man who witnessed the abduction.
The woman told police they were inside when her own mother, Sandy Lujan; and her boyfriend, Oscar Lujan, knocked on the door and asked to come in. The woman tried to shut the door because she had problems with her mother earlier, the affidavit states.
The two forced their way into the apartment, and Sandy Lujan began assaulting the woman, according to the affidavit. When the boyfriend tried to grab Isaac, the other man at the scene tried to stop him. Oscar Lujan pulled a knife, according to the document, then Oscar Lujan grabbed the 5-year-old and left the apartment with Sandy Lujan. Two neighbors told police they witnessed the events.
Police searched for three days, trying to find Isaac or Sandy Lujan and Oscar Lujan.
On Tuesday morning, Oscar Lujan and Sandy Lujan returned the boy and turned themselves in to police.
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|Property type
|Minimum Stay
|7 nights
Consists of two new wooden houses separated by a swimming pool, encircled by a 150 m² ipe wood deck and built on 1600 m² of land. Panoramic view of the coral reef, the white sand shoals and the many islets of Le François. Excellent location, exclusive, peaceful and airy. During your stay, you will have exclusive use of the property.
Hello dear guests,
I have just spent two months (May and June) in Martinique in order to optimise your comfort in Villa Tibaum by replacing and adding furniture, decorative elements and entertainment facilities, so that your stay in our little slice of paradise will be as wonderful and memorable as possible, with only one wish: to come back as soon as possible!
The hysterical media hype has exaggerated the outbreak of chikungunya, which has frightened several people, and I want to put your mind completely at ease. Firstly, my return to France in good health is living proof! I have never contracted it, nor have any of my family or friends! The house is located high on a hillside, as the photos show, and it is well-ventilated by the year-round trade winds, not to mention its layout, which offers large openings and allows better air circulation. A large deck surrounding the front and rear part of the villa and its tropical garden - primarily made up of cacti (with no invasive plants) and regularly maintained every two weeks - prevents the proliferation of insects. Additionally, the house is sprayed for centipedes and mosquitoes every year, not forgetting the maintenance staff who, every week, ensure that any puddles that appear after the rain are immediately dealt with. Therefore, I can guarantee you that all possible measures are taken to remove any unwelcome insects! Finally, the bedrooms are equipped with air-conditioning units and fans, as mosquitoes are sensitive to the cold! The northern part of the island is the most vulnerable as the plant life there is very lush, but Cap Est is in the south. Since January 2014, only a few serious cases of people contracting the virus have been identified on the island, so, with complete peace of mind, enjoy your holiday, as Villa Tibaum is no more prone to chikungunya than the villages in the south of France. See you soon!
Muriel Baup purchased this villa in 2009
Martinique or Madinina, ´Island of Flowers´,will captivate you with its paradisical plant life, its white, sandy beaches fringed by coconut and palm trees, sugar cane fields, banana plantations, timeless forest paths, villages at the end of the world, incredible gardens, the diversity of its aquatic fauna, which delights lovers of scuba-diving, as well as fishing enthusiasts, and shell collectors...A picturesque landscape, a true creator of memories, emotion in its purest form for lovers of nature and the natural. Discover stunning hues of shimmering blue, tinged golden with the sun´s rays, and let yourself be soothed by the gentle trade winds whilst gazing upon the sun setting over the islets, the coral reef, the white sand shoals... whilst reclining in a deckchair with a Ti´Punch cocktail in hand. Martinique: you can´t help but love it :-)
With unobstructed views of the Atlantic, this stylish villa is truly a haven of peace.
Consisting of two wooden houses separated by a swimming pool and facing the sea, Villa Tibaum is a wonderful place to live that you simply must discover. The Atlantic coast is breezy and it is a lovely place to stay in any season. This part of the island, surrounded by a coral reef and scattered with islets, offers incredible landscapes combining beautiful shades of blue with white sand shoals. In an exclusive holiday resort, the kitchen design is modern and functional. The master bedroom with en-suite bathroom, its walk-in closet and lengthened by its veranda, opens out to a vast terrace and the tropical garden. The first-floor double bedroom is also ensuite, for the comfort and independence of each person. The third bedroom will make someone very happy, with its outdoor bathroom resembling a scene from Robinson Crusoe. The ipe wood deck is a large living space bordered by lush, trimmed greenery, perfect for lengthy cocktails and meals with friends. As for the swimming pool, it gives the impression of pouring into the endless, great blue sea. All the rooms of the villa have a view of the sea. Villa Tibaum, it´s a way to enjoy relaxing, unforgettable holidays, in harmony with nature.
Gourmet and beach restaurants, as well as the hotel bar in Cap Est Lagoon Resort & Spa, with a variety of board sports and a spot for kitesurfing. The spa is also available for guests of the Cap Est. Sea excursions to the white sand shoals, of which the most famous is the Baignoire de Josephine (Josephine´s Bathtub) (5 minutes away by boat) and a separate beauty salon 400 m away from Villa Tibaum. Thai restaurant 2 km away, local restaurants and a pizza restaurant in Dostaly (4 km away), a visit to the Habitation Clément in Le François, a tree-climbing course in Le Vauclin, as well as many beach restaurants and aquatic activities (8 km away)...
|Rental Period
|Minimum Price
|Additional Nights
|Weekend Night
|Event Price
Basse saison
10 May 2015 - 20 Jun 2015
Changeover Day: Saturday
7 night minimum stay
for 7 nights
Haute saison
21 Jun 2015 - 29 Aug 2015
Changeover Day: Saturday
7 night minimum stay
for 7 nights
My Standard Rate
Changeover Day: Saturday
7 night minimum stay
for 7 nights
|No additional mandatory fees
|Refundable Damage Deposit
|Policy available by contacting owner when booking.
Please Note: The owner of this property accepts payment in the original currency specified (EUR), before use of conversion tool. The conversion tool is provided for your convenience only. The owner may accept other currencies if specifically agreed in advance.


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The F5/F55 Powered Studio Riser from Element Technica is an efficient solution for power distribution to handle all that you can throw at the camera. The Powered Studio Riser is used in place of the F5/55 Standard Riser when powered distribution is needed. The front of Riser will accept the Universal Rod Support Bracket (sold separately) in order to configure for Micron (LW15) accessories.
- Camera Rear
1 x 8-pin 3B Lemo 12 or 12/24 V input from shop power, VCLX, or Binary power source
1 x 2-pin 1B Lemo 12 V 5 A output for camera or camera+recorder power
Input voltage indicator
Low voltage RED warning LED
- Camera Right
3 x 2-pin 0B Lemo 12 V 2 A for accessory power
2 x P-TAP 12 V 2 A connections
- Camera Front
1 x 3-pin Fischer 24 V accessory power
Built-in DC-DC power up converter
- Camera Left
- Low voltage RED warning LED