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So many terms are being used in discussions of our health care system and the coming changes. Here, we help sort out what the terms actually mean.
This is the electronic file that is exchanged between a health care payer and an insurer. In the context of the Affordable Care Act, it's how the health care exchanges let the insurers know that someone has enrolled in a health plan. Transfering 834 information was one of the big obstacles in the early stages of enrollment, a flaw in the incomplete "back end" of HealthCare.gov. There were widespread errors, duplication, and confusion. It's far better, though not perfect, for the 2016 season. The "834"s are formally called "EDI Benefit Enrollment and Maintenance Set (834)." For lots of details, see this CMS document.
Accountable Care Organization (ACO)
There is no single definition for an ACO; models are still evolving. Medicare has three major models, and Medicaid has its own. Private payers and providers have created similar models, although they may not call them Accountable Care Organizations. But basically an ACO is an organization that links (physically or virtually) physicians, hospitals and other providers, and provides more coordinated and integrated care. An ACO is supposed to emphasize primary care and be accountable for the cost of care and the quality of care. Within the current Medicare models, the beneficiary can choose a doctor inside or outside the ACO, unlike an HMO.
Actuarial value
The average share of medical costs that a health plan will cover for a beneficiary population. The covered individual pays the rest. The metal tiers on the exchange reflect different actuarial values.
Advanceable tax credit (or tax credit)
The health law gives subsidies to certain low- and middle-income people purchasing insurance in the exchanges through tax credits that are available when the insurance premium is due, meaning the buyer doesn't have to wait until a tax return in the next calendar year.
Adverse selection
This occurs when more sick people - or those who have a high chance of becoming sick - purchase insurance than healthier people. If too many sick or high-cost people buy and too few healthier ones are in the risk pool, premiums rise. Then, even more of the healthier people drop out, so premiums rise even more. This is also known as a death spiral.
Affordable Care Act
Also known as Patient Protection and Affordable Care Act. Became law on March 23, 2010. Main coverage provisions – Medicaid expansion, the state-based health insurance exchanges, the subsidies for low and moderate income people to buy insurance – went into effect in 2014. About 10 million people were getting covered in the exchanges as of autumn 2015, and at least 11 million have gained Medicaid.Census figures show that the uninsurance rate plunged to 10.4 percent in 2014. The law remains politically divisive, however, and many states have either refused to create their own exchange or declined to expand Medicaid.
Age band
The Affordable Care Act bans insurers from charging older people more than three times as much as younger people in the small group and individual markets. Some groups, including major insurers, want to push it to a five to one ratio – but critics say that will crowd out older and sicker people from the insurance markets, undermining the law's goals.
Annual limit
Before the ACA, many health plans had a yearly limit on what they would pay, either in total costs or for services such as prescriptions or hospitalizations. After hitting the limit, the beneficiary must pay the costs for the rest of the year. While the ACA has deductibles and out-of-pocket costs that can be burdensome, it also ended the yearly (and lifetime) limits so that people who get a catastrophic, high-cost disease or condition don't have to worry about hitting benefit limits.
Any willing provider
Some states require a managed care organization to accept any provider, such as a doctor or hospital, into the network. This may broaden the choice of consumers facing narrow networks, but insurers say it undermines efforts to control costs.
Health care plan enrollees are automatically signed up again for the next year, unless they opt out or proactively choose a different plan. Under the ACA, this can happen in the exchanges and in employer health plans, although the precise rules have not been finalized for the business setting as of mid-2014.
Balance Billing
When a health care provider bills the patient for the difference between what the provider charges and what the insurers says is the allowed amount. This isn't allowed if it's a preferred provider (in-network) and a covered service. (note –it's not balanceD billing)
Basic Health Plan (BHP)
Under ACA, people under 133 percent of poverty will be absorbed in Medicaid, and other low (and some middle) income people will get subsidies to get health insurance on the state insurance exchange. But states have another option – the Basic Health Plan – for covering people with incomes between 133 and 200 percent of poverty – the group above the new Medicaid limits but still quite low-income. The basic plan will be outside the state insurance exchange, include the essential benefits, and be subsidized. The federal government will pay the states 95 percent of what it would have paid had they been subsidized through the exchanges.
How hospitals or doctors measure quality – they measure against a benchmark, which can be a starting point or a standard. It can also be a starting point from which to measure a program's impact on the federal budget.
Bending the curve
A phrase that means changing the trajectory of health care cost growth – making it grow more slowly. It's usually used as part of a discussion about ways of using payment and delivery system reform to create a more efficient health care system, with more sensible incentives, that will slow spending growth.
Block grant
A lump sum usually given to a state or local government for a specific purpose. There can be some requirements attached to the grant, but within the context of the ongoing Medicaid debate, the gist of the GOP idea is to give the money to the states with few strings attached. That would give governors great flexibility in who to cover and what benefits to offer, changing the nature of the Medicaid entitlement.
Budget reconciliation
A fast-track budget procedure in Congress that requires only a simple majority – it can't be filibustered – but it can be vetoed by the president. The measure has to follow arcane budgetary rules, that are interpreted by the Senate parliamentarian. It's unlikely lawmakers could use to it repeal all of the ACA, but they could try to strike tax- and spending-related elements including the individual and employer mandates, and some of the taxes in the health law.
"Cadillac" health plan
An employee health benefit plans where coverage exceeds a certain dollar threshold. The portion above a certain annual level ($10,200 for individuals and $27,500 for self and spouse or family coverage) will be subject to a 40 percent excise tax starting in 2018.
Capitation/Capitated Payment
When a health care provider is paid a fixed or per capita amount for each enrolled patient, regardless of how much medical care each person actually receives.
Care Coordination
The health law encourages better care coordination, so that providers work together to avoid complications, recurrences, and rehospitalizations, particularly for patients with chronic diseases such as diabetes or congestive heart failure.
Catastrophic plan
A catastrophic plan is just what it sounds like; it's a high deductible plan that kicks in when medical expenses mount. The catastrophic plans in the ACA exchanges also cover preventive care and some primary care.
Centers for Medicare and Medicaid Services (CMS)
(formerly Health Care Financing Administration, HCFA)
Center for Consumer Information and Insurance Oversight
The Center for Consumer Information and Insurance Oversight (CCIIO) oversees the implementation of various ACA provisions related to private health insurance, especially medical loss ratio rules and the health insurance exchanges. CCIIO is an office within CMS.
Cherry picking
Insurers used to "cherry pick" to get healthier customers, who cost less. This isn't supposed to happen under the Affordable Care Act, although critics say some plans have set up their drug coverage in ways that discourage sick people from signing up.
COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985)
This allows someone who loses a job to keep the group coverage for 18 months. The beneficiary pays the whole cost - the employer and the employee portions – plus a small administrative fee. It may become less popular now that people who lose a job have the option of getting covered through the ACA exchanges (and a job loss often allows someone to enroll outside of the usual open season).
Copay, Co-insurance
A copay is a fixed fee for each health care service, i.e. $15 for primary care, $50 for a specialist (it varies from plan to plan and certain preventive services are now free under the law). Co-insurance is a percentage -- the patient, for instance, could pay 20 percent and the plan 80 percent (subject to out-of-pocket limits). copays tend to be for in-network providers, co-insurance for out of network – but all these arrangements vary from plan to plan.
Community rating
Before the passage of the ACA, insurers could charge people based on gender, their health status (pre-existing conditions), age or other factors – or they could choose not to cover them at all. Starting in 2014, "community rating" was limited. Older people can be charged three times as much as younger people (in some states it had been much higher) and there is no extra charge for women of child-bearing years or people who have been sick. Smokers can be charged more and participation in wellness programs can affect premiums. There will also be some geographic variation and, of course, families will pay more than individuals.
Comparative effectiveness research
Research that looks at different approaches or treatments for a condition to determine which are most likely to have the best outcomes. It does not necessarily take cost into account.
Coordination of benefits
In the event of coverage from two sources (e.g., Medicare plus supplementary coverage, or two employer plans, which occurs when two people in the family have coverage) the insurers will "coordinate benefits," meaning they will determine which insurer is the primary payer and which is secondary payer.
Cost shifting
A doctor, clinic or hospital may "cost shift" so that people who are covered make up the losses for charity care, uncompensated care or lower payments from other health plans. For example, someone with a generous employer-sponsored health plan may be overpaying to cover costs of the uninsured or of people on health plans that pay less to providers.
Critical access hospital
Certain small hospitals mostly in rural areas are designated as "critical access" hospitals. The staffing standards are less rigorous than other hospitals, and they are paid by Medicare based on their cost, not the usual payment scales. Not all rural hospitals are "critical" access. They have to be able to provide emergency care, but may not have all the services of a larger hospital.
Death spiral
This occurs when more sick people - or those who have a high chance of becoming sick - purchase insurance than healthier people. If too many sick or high-cost people buy and too few healthier ones are in the risk pool, premiums rise. Then, even more of the healthier people drop out, so premiums rise even more. This is also known as adverse selection.
Defensive medicine
When doctors or other health providers order tests or screening or even treatments that may not be necessary in order to protect themselves from later malpractice suits. It contributes to overuse (and the risk of harm from unnecessary treatments) and higher health care costs — although there is disagreement among experts as to how much. In a 2010 Health Affairs article, the cost was pegged at $55.6 billion in 2008 dollars, or 2.4 percent of total health care spending. Others put it higher.
There's also a lot of debate about whether how much over-treatment and over-screening is motivated by fear of lawsuits — defensive medicine — and how much arises from other reasons. That includes how doctors are trained. The default is often "do more," not "do less and then do more if you have to." It's also how doctors are paid in the fee for service system; more treatment brings in more money, and whether the treatment is necessary or beneficial is largely irrelevant.
Defined benefit vs. defined contribution
When a health plan, whether through a private employer or a government program like Medicare or Medicaid, promises specified benefits (even if the costs can fluctuate, benefits are guaranteed), it's a defined benefit, and an entitlement. Under Medicare and Medicaid, the government by law has to spend the money to provide benefits for everyone eligible for — or entitled to — these programs. Beneficiaries may have cost sharing, but the benefit is not capped or limited. Most private health plans are still defined benefits — the employer pays a certain percentage of the premium, and the employee pays the rest.
The shift toward a defined contribution — which is what many Republicans want to see happen for Medicare and Medicaid — is a limited, set, fixed amount toward health coverage, whether through a voucher or another form of payment. Beneficaries may have their choice of health plans, but the contribution is fixed. That means the government or employer has fixed financial liability. In the world of employer sponsored insurance, it means that the employer gives the employee a fixed amount and the employee then goes and buys insurance. (This is how the small business exchange works in Utah.)
Disproportionate share hospital
This refers to a hospital that has a disproportionate share of low-income payments as defined by standards set in Medicare and Medicaid. Hospitals get "dsh" payments to help compensate for the cost and the health status of patients.
Doughnut hole (or Donut hole)
A coverage gap in the Medicare drug benefit, during which beneficiaries pay all the costs until another level of coverage kicks in. The health law gradually fills it in.
Dual eligibles
The health reform law creates a new Federal Coordinated Health Care Office (aka "Office of Duals") at the Centers for Medicare and Medicaid Services to improve quality and efficiency of care for the "dual eligibles," low-income people who qualify for both Medicare and Medicaid. They tend to be poorer and sicker than the rest of the population and use more health care resources.
Read more: 'Dual eligibles' pingpong between programs, getting stuck along the way
Insurers use this word to describe finalizing enrollment. Coverage has been effectuated once someone signs up, selects a plan on the ACA exchange, pays the premium, and has the policy finalized.
Employee choice
Small businesses using the SHOP exchange are supposed to decide how much they will contribute to workers' health coverage, and then let the employees choose from a menu of plan choices through the exchange, instead of having the employer choose the health plan. But that "employee choice" option was delayed – and then delayed again in 18 states until at least 2016. Most of the state-run exchanges have gone ahead with it. Without employee choice, there is less incentive for small businesses to switch to the exchange.
Employer mandate
The requirement that businesses with more than 50 workers offer affordable coverage. The deadline, originally in 2014, has changed and the requirement is being phased in more slowly. Businesses with 50 to 99 workers will have a mandate, but it was postponed again until 2016.
Larger businesses with 100 or more workers (most of which already offer fairly comprehensive coverage to workers) only need to cover 70 percent of workers in 2015. The earlier requirement to cover 95 percent will apply in 2016.
The federal Employee Retirement Income Security Act sets requirements for employer-sponsored health plans, both self-insured and fully insured. ERISA plans are overseen by the Department of Labor and generally are not covered by state insurance regulations, such as coverage mandates. The act went into effect in 1974.
Essential health benefits
A set of benefits created by the health reform law that will ensure that a plan covers comprehensive services. All plans, inside and outside of the state-based exchanges, will have to offer at least this much coverage.
Read more: IOM's report on defining essential health benefits
See HEALTH INSURANCE EXCHANGES
Federal Medical Assistance Percentage (FMAP)
How the federal government matches state contributions to Medicaid. Under the ACA, the match for the expansion population is 100 percent from 2014 through 2016. Then it gradually drops down to 90 percent. That's a higher match than for traditional Medicaid.
Full-time worker
According to the Affordable Care Act, an employee who works an average of at least 30 hours per week is considered a full time worker and eligible for coverage. (And part time would be fewer than 30 hours per week.)
Grandfathered plans
A group health plan that began – or an individual health insurance policy that was purchased – on or before March 23, 2010. These plans are exempt from many of the requirements under the ACA. They may lose their "grandfathered" status if they are changed to reduce benefits or add costs to beneficiaries. New employees or family members can still be added to these plans.
Grandmothered plans
Plans that were slated to be canceled in 2014 but were instead extended have been dubbed "grandmothered" plans. They are different than the "grandfathered" plans, which haven't changed substantially since the health law was passed and don't have to comply with key parts of the law.
Habilitation services
The essential benefits requirements of the health law include both habilitation and rehabilitation services. Rehabilitation helps a patient regain a lost ability; habilitation helps them develop an ability that they never had (i.e. a child with developmental delays who isn't walking or talking when expected). It can include physical, and occupational therapy, and speech and language pathology. It can be inpatient or outpatient. (See also: Rehabilitation services.)
Health insurance exchanges/marketplaces
New marketplaces where individuals and small businesses can purchase health insurance, with new rules and consumer protections laid out in the health reform legislation. States have some leeway in how they design their exchanges, but if a state does not set up the exchange, the federal government will run the state marketplace. States can have one exchange for small business and another for individuals, or they can merge them.
Hospital Consumer Assessment of Healthcare Providers and Systems
A Patient Satisfaction survey developed by CMS and the Agency for Healthcare Research. It's a component of how hospitals are paid under Medicare's Hospital Value-Based Purchasing. It has 32 questions, addressing 21 aspects of patient perspective on care including communication with doctors and nurses, responsiveness of hospital staff, pain management and care transitions.
Individual mandate
A law that requires individuals to have health insurance, or face a penalty (though there are many federal exemptions). Dispute over whether mandate is constitutional was the basis of many of the lawsuits about health reform. The Supreme Court upheld the mandate in 2012.
Low-income pool (LIP)
This is a revenue stream, currently (mid-2015) in nine states. It's federal and state dollars that help hospitals that treat many low-income, uninsured people. It is separate from the DSH (disproportionate share) funds, and is part of a Medicaid waiver negotiated between the state and CMS.
An advisory committee on Medicaid and the Children's Health Insurance Program, MACPAC was established in a 2009 law and expanded and funded in the health reform law. It reviews state and federal policies and makes recommendations to Congress, HHS and the states on matters related to Medicaid and children's access to care.
Created in 1965, joint state-federal program provides health care for the low-income and disabled. It also covers long term care, such as nursing homes, for low-income elderly people. It was expanded under the Affordable Care Act to cover more people right around and just above the poverty line – including those who had no children and were previously ineligible. The Supreme Court made that expansion optional for states, and so far about 30 have done so. As of mid-2015 Medicaid (both traditional and expansion) covered more than 70 million people.
Medical device excise tax
One way the health care law is financed is through a sales tax on medical devices – a 2.3 percent tax that went into effect on Jan. 1, 2103. The industry is fighting to repeal it, saying it's a "job killer." The manufacturer pays the tax – not the consumer. Most simple devices that a consumer would buy at a retail store (i.e. a thermometer) are exempt. There are some other exemptions including glasses, hearing aids and wheelchairs.
Medical loss ratio (MLR)
Portion of the insurance premium that goes to pay medical costs, versus administrative overhead (and profit). Under the ACA, it's 80 cents on the dollar for individual and small-business plans (which have higher overhead and marketing costs). For larger businesses, it's 85. A few states are seeking waivers, and a handful have received them because it was likely that insurers would flee the state if forced to meet the new rules too quickly. Plans that don't meet the threshold would have to give customers rebates.
Federal health program for all Americans starting at age 65, and some of the disabled. Part A covers hospital care, Part B is doctors, labs and other outpatient treatment, Part C covers those who choose to get covered in private Medicare Advantage Plans, and Part D is prescription drug coverage.
The Medicare Payment Advisory Commission is an independent Congressional agency established in 1997 to advise Congress on Medicare payment issues, including physicians, hospitals and Medicare Advantage plans.
Minimum essential coverage
A health plan that meets the individual mandate requirement, including exchange plans, employer-sponsored insurance, or a government plan like Medicaid. See this IRS fact sheet for more information.
Navigators are supposed to help educate people about their options under the health law, including what subsidies they can get, and help people enroll in a qualified health plan. Navigators also can connect them to ombudsmen or other resources when problems arise. They have to meet certain conflict of interest and training/certification rules.
Network/Closed network
Health plans contract with doctors, hospitals, labs and other health care providers to supply in-network care for lower costs. Many of the health plans in the new exchanges are expected to have "narrow networks" or a relatively limited set of providers to choose from, although they still have to satisfy Affordable Care Act requirements about coverage and access. Patients have to pay more – sometimes much more – for out-of-network care.
Off-exchange enrollment
Enrollment in the individual market in plans outside the exchange. Most meet ACA requirements.
Patient Protection and Affordable Care Act
Plan Year
The date that a health plan begins. Some of the new rules under the health law may go into effect on a certain date, but individual health plans may not have to comply until their next "plan year." Example: the contraceptive coverage rule starts Aug. 1. Plans may not have to offer the coverage until their plan year, whether that be October, January, etc.
Post-claims underwriting
When an insurer investigates someone's health history after a health plan has been sol d- and usually after a claim has been filed. This can lead to cancellation of a policy or "rescission." The ACA makes rescission illegal (except in the case of fraud or intentional misrepresentation). Also see Recission.
Premium shock
This is a term critics of the ACA use to describe rising insurance prices, or anticipated rises in premiums, particularly for younger, healthier people.
Premium Stabilization
The Affordable Care Act has three tools to try to encourage health plans to participate in the new state-based exchanges, to discourage insurers from trying to find ways of avoiding covering people in poor health, and to try to stabilize premiums and spread risk in case some health plans do end up with more high-cost beneficiaries than others. They are risk adjustment, risk corridors and reinsurance (see separate glossary entries) Reinsurance and the risk corridors are for the first three years of the exchanges (2014-16) Risk adjustment is permanent.
Premium support
Proposal to give people a voucher or coupon to help pay for health insurance. At the moment, it's most often used in the context of Medicare. There are several variants of premium support. Some would make it an alternative to traditional Medicare, some would make it a substitute for traditional Medicare. (The House-passed budget would make it a substitute, with the voucher unlikely to keep up with the rising health care costs) Premium support lets the federal government cap its Medicare spending, but the costs could get shifted to individuals.
Private option
Remember the debate over the "public option" in the health law? Now some states are pursuing what's been dubbed the "private option." That means that some conservative states are looking at ways of taking federal expansion money and using it to buy low-income people private health insurance, rather than putting them in traditional Medicaid. They have to do so in ways that are acceptable to HHS though.
Qualified Health Plan (QHP)
An insurance plan that is certified by the exchange/marketplace. It has to meet all the legal requirements such as providing essential health benefits and cost-sharing limits.
Qualifying life event
See Special Enrollment Period.
Rate review
Process through which state insurance officials review proposed premium increases. Some states can approve or disapprove rates, others can just review and seek information about them.
This is usually used as shorthand for when a patient returns to the hospital within 30 days. (Patients of course can return after 30 days, but the policy right now is focused on the first month.)
Rehabilitation services
The essential benefits requirements of the health law include both habilitation and rehabilitation services. Rehabilitation helps a patient regain an ability or function for daily living that they lost, such as mobility after a stroke or accident. It can include physical and occupational therapy, speech and language pathology. (See also: Habilitation services.)
This is what it sounds like – insurance for the insurers. Reinsurance provides a backstop so an insurer doesn't end up with deep losses. To make the exchanges work, the government has an interest in reinsuring the health plans and limiting their financial exposure so that they are willing to participate in the exchanges – and don't try to game the system and avoid covering people with preexisting conditions or health risks. CMS has projected reinsiurance will keep premiums in the exchanges 10 percent to 15 percent lower.
Retroactive cancellation of health insurance policy, usually after someone files a claim. The health law outlaws this (except in the case of fraud or intentional misrepresentation). Also see Post-claims underwriting.
Risk Adjustment
This is a way of spreading the financial risk that insurers bear – in and out of the exchanges – and encouraging them to offer a variety of health plans with stable premiums. Basically a health plan that enrolls a lot of healthy, low-risk individuals will shift some money (under a government formula) to a health plan that enrolls a lot of sicker, more expensive and high-risk beneficiaries. There are elaborate formulas for measuring and evaluating the relative risks. Because the money goes from one insurer to another, it's deficit neutral – meaning it doesn't add to the government's costs. The states can establish their own risk adjustment programs if they are running exchanges, or they can use the federal system.
Risk Corridors
As there will be a lot of uncertainty for insurers in the exchanges the first few years, the risk corridors enable the federal government to share the risk with the health plans. If a health plan has costs that are at least 3 percent lower than expected, they turn some of the money over to HHS. And those that have higher costs than expected will get payments from HHS to offset part of it. If it's in between – within that corridor – no money is transferred.
Self-insured plan
This means a company (traditionally a large company but, more recently, smaller businesses, too) that pays the health costs of the employees (and, if applicable, dependents.) It hires an insurance company to handle enrollment, claims and creating a network, but it pays the actual medical bills and it assumes the risk. It usually has reinsurance to limit that risk.
Automatic budget cuts. It can be across the board, or some programs or agencies can be exempted or partially shielded from cuts.
SHOP Exchanges
The Small Business Health Options Program (SHOP) will provide insurance coverage for businesses in every state. They are open to businesses with up to 100 employees (and may be expanded in future years). They are supposed to offer a variety of plan options, although the choices will be limited in the first year in some states.
Superuser (or Super utilizer)
This refers to a patient who uses a lot of health care, particularly a lot of avoidable expensive health care in hospitals and emergency departments. The term is usually used to describe low-income patients with multiple chronic conditions, often including a mental health problem.
Tax reporting
Beginning with the W-2s for 2012, the year-end income tax forms include the value of the employer's contribution to the worker's health plan. This does not mean the payment is taxable – that hasn't changed. But the disclosure rule aims to give people more information about the true cost of health insurance. This IRS page explains it in more detail.
Third-party payer
An insurer or government program that pays medical bills for a patient or "first party" given care by a hospital, doctor or other "second party."
This federal health care program has almost 9.5 million members worldwide. It covers active duty service members, National Guard and Reserve members, and military retirees. Tricare also serves the families of armed-service members, survivors, certain former spouses, and others registered in the Defense Enrollment Eligibility Reporting System (DEERS) (for family members and dependents). People who have Tricare coverage do meet the individual mandate requirement. People who lose Tricare coverage eligibility generally can move into the exchanges.
Uncompensated care
When clinics, hospitals or doctors provide care without pay – from an insurer, the patient, or a government program such as Medicaid. This can include charity care or bad debt when the provider tries and fails to collect the payment due.
People who have insurance but either face very high deductibles or skimpy benefits (or both) are considered underinsured. The Commonwealth Fund estimated that, as of 2010, 29 million U.S. adults were underinsured. Many skimp on care, including preventive care.
Usual, Customary and Reasonable (UCR)
This is the amount paid for a certain medical service, and it often varies geographically. It's based on what providers usually charge, and health plans use it to determine their "allowable" payments.
Health insurers in the small group and individual markets use "underwriting" – weighing an individual's health status, "pre-existing conditions" and risk factors – to decide whether to offer coverage and how much to charge. In health plans sold in the exchanges starting in 2014, underwriting won't be allowed although some rate variations will be allowed based on age and tobacco use.
Value-based Hospital Purchasing
A Medicare initiative that rewards hospitals with incentive payments for the quality of care they provide.
Wrap-around benefits
Low-income people who qualify for various government programs may also qualify for wrap-around benefits – meaning some extra help to plug in coverage gaps or pick up costs so they don't come out of pocket. These extra benefits "wrap around" the health plan the individual is in.
Shared Wisdom
From a briefing for reporters at a San Francisco Bay Area chapter of the Association of Health Care Journalists, with the Alliance for Health Reform on Jan. 21, 2015.
Pres. Obama is the surprising new star of a BuzzFeed video where he makes goofy faces, doodles of Michelle Obama at work and yes, even takes a photo with a selfie stick. » Subscribe to msnbc: http://on.msnbc.com/SubscribeTomsnbc About: msnbc is the premier destination for in-depth analysis of daily headlines, insightful political commentary and informed perspectives. Reaching more than 95 million households worldwide, msnbc offers a full schedule of live news coverage, political opinions and award-winning documentary programming -- 24 hours a day, 7 days a week. Connect with msnbc Online Visit msnbc.com: http://on.msnbc.com/Readmsnbc Find msnbc on Facebook: http://on.msnbc.com/Likemsnbc Follow msnbc on Twitter: http://on.msnbc.com/Followmsnbc Follow msnbc on Google+: http://on.msnbc.com/Plusmsnbc Follow msnbc on Instagram: http://on.msnbc.com/Instamsnbc Follow msnbc on Tumblr: http://on.msnbc.com/LeanWithmsnbc Obama's BuzzFeed Video: Selfie Sticks & Cookies | msnbc
Anne Price of Covered California, Emily Bazar with the California HealthCare Foundation's Center for Health Reporting, Larry Levitt of Kaiser Family Foundation, and Betsy Imholz of Consumers Union addressed the narrow networks trend and its impact on consumers, insurers and providers, and also proposed government intervention. Marilyn Serafini of the Alliance moderated.
Read Secretary Burwell's full remarks at http://www.hhs.gov/secretary/about/speeches/sp20141215.html. Secretary Burwell gives remarks at an Open Enrollment event at the Fountain of Praise Church in Houston, Texas. -- U.S. Department of Health and Human Services (HHS) http://www.hhs.gov We accept comments in the spirit of our comment policy: http://www.hhs.gov/web/socialmedia/policies/comment-policy.html HHS Privacy Policy http://www.hhs.gov/Privacy.html
On September 23, Health and Human Services Secretary Sylvia M. Burwell delivered remarks regarding the Affordable Care Act. http://www.brookings.edu/events/2014/09/23-secretary-burwell-health-reform Subscribe! http://www.youtube.com/subscription_center?add_user=BrookingsInstitution Follow Brookings on social media! Facebook: http://www.Facebook.com/Brookings Twitter: http://www.twitter.com/BrookingsInst Instagram: http://www.Instagram.com/brookingsinst LinkedIn: http://www.linkedin.com/com/company/the-brookings-institution
This video, from the Robert Wood Johnson Foundation and the Association of Health Care Journalists, explores opportunities for journalists to use ACA monitoring data for their stories on health reform. The Foundation's Katherine Hempstead discusses several RWJF-sponsored datasets, available online through http://www.rwjf.org/ReformByTheNumbers. Her remarks were presented at an AHCJ member event held at the New York State Health Foundation on June 19, 2014. Indexed Sections: 5:10 First data set; Urban Institute - Health Reform Monitoring Survey (The quarterly Health Reform Monitoring Survey of households provides timely information on ACA implementation and changes in health insurance coverage, access to care and affordability.) 15:54 Leonard Davis Institute of Health Economics at the University of Pennsylvania - HIX 2.0 (Multiple datasets track each state's key ACA implementation decisions and examine variation—starting with governance.) 19:09 Breakaway Policy Strategies - Health Insurance Exchange (HIX) Compare, (This dataset compiles information on benefits and costs of health plans offered through the marketplaces in all 50 states and DC. It includes data on premiums, network composition, deductibles and more.) 27:42 New Jersey Hospital Association - Payer Mix Data (Discharge data from 22 state hospital associations show total inpatient admissions and emergency admissions by payer, as well as data on diagnoses and procedures responsive to insurance status.) 40:28 athenahealth -- ACAView (Monthly data assess the impact of the ACA on provider access, patient financial obligation, health status of new patients, physician revenue cycle and provider reimbursement.) 47:34 Enrollment and carrier data (Enrollment and carrier data from health, life, fraternal and property/casualty insurers include information on number of policies, federal and state taxes, health premiums earned and more.) 53:28 General Q&A
President Obama thanks outgoing HHS Secretary Kathleen Sebelius for her work over the past five years that will benefit our families and this country for decades to come, and announces he is nominating his current Director of the Office of Management and Budget, Sylvia Mathews Burwell, as her successor. April 11, 2014.
Obama CTO Todd Park Refuses To Give A Letter Grade For ObamaCare Website Rollout (November 13, 2013)
President Obama says that the health insurance that's available to people through HealthCare.gov is high quality and affordable, and his Administration is working around the clock to address problems that make the site slow and difficult to use. October 21, 2013.
The HHS secretary made the remarks after touring an Austin, Texas, health clinic on Friday, Oct. 25, 2013. Video courtesy FOX News.
Starting October 1st, you can go to http://www.healthcare.gov and use the new Health Insurance Marketplace to see all of the health plans available in your area and sign up for the one that fits your needs and budget. You can also find out if you're eligible to pay less for private health insurance or whether you qualify for other free or low-cost programs.
In California Friday, President Barack Obama praised the health law benefits already in place and talked about the state's health insurance marketplace. He also placed a special emphasis on touting the law to the state's Latino population.
In California Friday, President Barack Obama praised the health law benefits already in place and talked about the state's health insurance marketplace. He also placed a special emphasis on touting the law to the state's Latino population.
In the first of a new series of briefings for health care journalists, a panel of experts offered updates and analysis about implementation of the Affordable Care Act in the states. The Dec. 12 Chicago AHCJ chapter event was co-sponsored by the Alliance for Health Reform and the Robert Wood Johnson Foundation.
At a recent forum, Virginia Attorney General Ken Cuccinelli and Massachusetts Attorney General Martha Coakley offer contrasting perspectives on the constitutionality of the federal Affordable Care Act's requirement that individuals must purchase health insurance. For more health reform news updates, visit http://www.familypracticenews.com/news/practice-trends.html
The health care overhaul law passed by Congress in 2010 sets out national goals and requirements. But many of the key decisions implementing the law are left to the states. In this video, Robert Field of Drexel University in Philadelphia offers ideas for reporters interested in covering health reform at the state level. From a Dec. 14, 2011 briefing sponsored by the Association of Health Care Journalists, the Alliance for Health Reform and the Robert Wood Johnson Foundation.
Otis Brawley, M.D., chief medical and scientific officer, American Cancer Society, was the keynote speaker at Health Journalism 2012, the annual conference of the Association of Health Care Journalists. Brawley, responsible for promoting the goals of cancer prevention, early detection and quality treatment, champions efforts to decrease smoking, improve diet and provide the critical support cancer patients need. He guides efforts to enhance and focus the research program, upgrade the Society's advocacy capacity, and concentrate community cancer control efforts in areas where they will be most effective. He is a leader in the Society's work to eliminate disparities in access to quality cancer care.
Joanne Kenen , Deputy Health Editor for the Politico and Stacey Singer, Investigative Reporter from The Palm Beach Post hosted the seminar "10 Stories on Local Healthcare Reform". This hour long seminar was held this morning at 10:30 the Excellence in Journalism Conference.
Dr. Ezekiel Emanuel shares his thoughts on health care reform in the USA with the Canadian Association for Health Services and Policy Research. Discusses importance of leadership and engagement of health professionals in system transformation. Ezekiel J. Emanuel is the Vice Provost for Global Initiatives, the Diane v.S. Levy and Robert M. Levy University Professor, and Chair of the Department of Medical Ethics and Health Policy at the University of Pennsylvania. He is also an Op-Ed contributor to the New York Times. He was the founding chair of the Department of Bioethics at the National Institutes of Health and held that position until August of 2011. Until January 2011, he served as a Special Advisor on Health Policy to the Director of the Office of Management and Budget and National Economic Council. He is also a breast oncologist and author. After completing Amherst College, he received his M.Sc. from Oxford University in Biochemistry. He received his M.D. from Harvard Medical School and his Ph.D. in political philosophy from Harvard University. His dissertation received the Toppan Award for the finest political science dissertation of the year. In 1987-88, he was a fellow in the Program in Ethics and the Professions at the Kennedy School of Government at Harvard. After completing his internship and residency in internal medicine at Boston's Beth Israel Hospital and his oncology fellowship at the Dana-Farber Cancer Institute, he joined the faculty at the Dana-Farber Cancer Institute. Dr. Emanuel was an Associate Professor at Harvard Medical School before joining the National Institutes of Health. Dr. Emanuel has authored 3 books and co-edited 4 and will have two books forthcoming in 2012. His publications include The Oxford Textbook of Clinical Research Ethics, edited by Dr. Emanuel and members of the NIH Department of Bioethics and Healthcare, Guaranteed, Dr. Emanuel's own recommendations for health care reform and, Exploitation and Developing Countries. His book on medical ethics, The Ends of Human Life, has been widely praised and received honorable mention for the Rosenhaupt Memorial Book Award by the Woodrow Wilson Foundation. Dr. Emanuel has also published No Margin, No Mission: Health-Care Organizations and the Quest for Ethical Excellence and co-edited Ethical and Regulatory Aspects of Clinical Research: Readings and Commentary. Dr. Emanuel developed The Medical Directive, a comprehensive living will that has been endorsed by Consumer Reports on Health, Harvard Health Letter, the New York Times, Wall Street Journal, and many other publications. He has published widely on the ethics of clinical research, health care reform, international research ethics, end of life care issues, euthanasia, the ethics of managed care, and the physician-patient relationship in the New England Journal of Medicine, the Lancet, JAMA, and many other medical journals. He has received numerous awards including election to the Institute of Medicine (IOM) of the National Academy of Science, the Association of American Physicians, and the Royal College of Medicine (UK). Hippocrates Magazine selected him as Doctor of the Year in Ethics. He received the AMA-Burroughs Welcome Leadership Award, the Public Service Award from the American Society of Clinical Oncology, the John Mendelsohn Award from the MD Anderson Cancer Center, and a Fulbright Scholarship (which he declined). In 2007, Roosevelt University presented Dr. Emanuel with the President's Medal for Social Justice. Dr. Emanuel served on President Clinton's Health Care Task Force, the National Bioethics Advisory Commission (NBAC), and on the bioethics panel of the Pan- American Healthcare Organization. Dr. Emanuel has been a visiting professor at numerous universities and medical schools, including the Brin Professor at Johns Hopkins Medical School, the Kovtiz Professor at Stanford Medical School, the University of Pittsburgh School of Medicine, UCLA, and a visiting professor at New York University Law School.
Politico Reporter Sarah Kliff shares the three issues around implementation of health reform that she is watching, during this panel at Health Journalism 2011.
Timothy D. McBride, Ph.D., professor and associate dean for public health in Washington University's Brown School, discusses the impact of health reform on rural communities. From a panel at the Rural Health Journalism Workshop 2011, presented by the Association of Health Care Journalists.
Watch the newest YouToons video (released Nov. 11, 2014), Health Insurance Explained – The YouToons Have It Covered: http://youtu.be/-58VD3z7ZiQ ----- Health care reform explained in "Health Reform Hits Main Street." Confused about how the new health care reform law really works? This short, animated movie -- featuring the "YouToons" -- explains the problems with the current health care system, the changes that are happening now, and the big changes coming in 2014. Written and produced by the Kaiser Family Foundation. Narrated by Cokie Roberts, a news commentator for ABC News and NPR and a member of Kaiser's Board of Trustees. Creative production and animation by Free Range Studios. Also let the YouToons illustrate how health insurance coverage will work under reform. Visit: http://healthreform.kff.org/profiles.aspx
◄ ►
Upcoming events on Health Reform from the AHCJ calendar.
© 2015 AHCJ — All rights reserved


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Extremely Radioactive Snow in Fukushima!
- Uploaded by Renseor on Jan 23, 2013
- Views: 108
FUKUSHIMA black snow http://www.youtube.com/watch?v=lH8kDK9KFQcstFilter::_decode_entities($ma... subscribe to this YouTube channel. They provided the info on the "hot snow readings" of Fukushima snow.http://www.youtube.com/user/kienaiyoruhttp//:ameblo.jp/kikilala400also see this video:http://www.youtube.com/user/vaiocustomhttp://www.youtube.com/watch?v=rC0keuBx4A8Shocking Tokyo Japan Radiation Test by Dr. Chris Busby (Fukushima Fallout) http://www.youtube.com/watch?v=p9pk42kdL4kDr Chris Busby: radioactivity in apartment in central Tokyo Part 1 http://www.youtube.com/watch?v=U3YMa391qrEstFilter::_decode_entities($ma... this and Part 2http://youtu.be/oeS5dRkyBi0Dr Busby describes measurements made on an air conditing unit filter from inside an apartment in central Tokyo. This was sent by a lady in Tokyo who wanted to know if it was safe to live there. The filter only collected air from inside the apartment. It shows the presence of 130000Bq/kg radio Caesium in the dust plus enriched Uranium and for the first time Lead-210/Polonium-210. The apartment was evacuated from the Tuesday after the catastrophe and the machine switched off; and the family returned 5 months later. This and much other information about the health effects and cover ups, including leaked data are to be found in Dr Busby's new book in Japanese: the Horror of Fukushima, published on 25th July by Kodansha in Tokyohttp://youtu.be/AOobTcwzElwPLEASE COPY AND REPOST ANYWHERE YOU CAN. MIRROR, PASTE, LINK or whatever you can to spread Professor Chris Busby's message about Japan and the nuclear industry's intentional coverup of Fukushima radioactive problem... how Japan is trucking tons of radioactive waste to south Japan, etc. He's working on making supplements that block some of the radioactive nucleotides from attaching themselves to the DNA, etc. Vital essential information on Fukushima and Japan!Synonyms: basic, bottom-line, cardinal, coal-and-ice, constitutive, critical, crucial, decisive, fundamental, heavy*, imperative, important, indispensable, integral, key, life-or-death, meaningful, meat-and-potatoes, name, name-of-the-game, necessary, needed, nitty-gritty, prerequisite, required, requisite, significant, underlined, urgent Original upload here:Chris Busby on radioactivity displacing supplements http://www.youtube.com/watch?v=4iutbbfduAQUploaded by radioactivebsr on Sep 19, 2011*Note: Single radiation dose of 2,000 millisieverts (200,000 millirems) and above causes serious illness. See also exposure list below.Half-life of some radioactive elements[NOTE: Half-life is the time taken for a radioactive substance to decay by half.] * Cesium-134 2 years * Cesium-137 30 years * Iodine-131 8 days * Plutonium-239 24,200 years * Ruthenium-103 39 days [Ruthenium is a fission product of uranium-235.] * Ruthenium-106 374 days * Strontium-90 28.85 years [Strontium-90 is a product of nuclear fission and is found in large amounts in spent nuclear fuel and in radioactive waste from nuclear reactors.] * Uranium-234 246,000 years * Uranium-235 703.8 million years * Uranium-238 4.468 billion yearsgamma rays, alpha particles, beta particles, neutrons, uranium, plutonium, mox fuel, spent fuel rods, cooling pools, nuclear meltdown, JapanFocus.org, kyodo news, chain reaction, chlorine-38, chlorine-37, seawater, fukushima daiichi, today, update, newest information, splitting atoms, water into pacific ocean, TEPCO, Tokyo Electric power company, GE, Earthquake, tsunami, aftershocks, fault line, fission, isotype Te-129, half life, halflife, reactor core, inadvertent criticality, chernobyl on steroids, dosimeters, roentgens, boron, daughter products, satellite image, crane camera view, update on crisis in Japan, The Great Eastern Japan Earthquake, rescue, Arnie Gunderson, Fairewinds Associates, fairewinds.com, nutron bursts, neutron bursts, strange isotope, nuclear reactors, chain reaction, table of elements, decay, iodine 131, high levels, units 1 2 3 4 5 6, telerium, part of core undergoing periodic nuclear fission, extra heat, extra radiation, neutrons, difficult to measure, doses of radiation difficult to measure, portion of core periodically turning itself on, boiled seawater, aerial view of fukushima daiichi after explosion, water, crane cam, hydrogen explosion, polymer, compound, filter curtains, containment plan, high levels of radiation, remote control robot, rising water levels, radioactive substances, suppession pool, containment vessel, storage pool, nitrogen injection, salt removal, water purification, environmental monitoring, evacuation zone, decontamination, residents, cooling system

subset: commoncrawl


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Think this is good?1 person thinks this is good18 people think this is good
Vast Shadow
Bees were dying off in hordes about two years ago... The only bee that had immunity was African killer bees. Texas A&M discovered it was a parasite that was brought from another country via cargo freight. The Bee industry have taken a toll...
Bees are important because what they do, pollinate flowers -- Allowing plants to reproduce with ease. Lot of new methods(Plant pollination) for that has been placed into momentum. Butterfly, hummingbird, and wasp farms have been getting into fashion, because the bee shortages scared many farmers that use to rely on bees to pollinate their produce of flowering plant species.
Jeff Nelder
I think it will be through perseverance that the bee-keeping community will overcome the misconceptions about bees- over time I think misinformation will be unable to compete with a groundswell movement and message this rational.


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Ellen DeGeneres: I'm Hosting the Oscars!
Ellen DeGeneres, who hosted the Oscars in 2007, will be back on stage for the 2014 show. (Getty Images)
"It's official: I'm hosting the #Oscars!" the daytime talk show host, 55, confirmed via Twitter on Friday. "I'd like to thank @TheAcademy, my wife Portia and, oh dear, there goes the orchestra."
This isn't DeGeneres's first time as emcee on Hollywood's biggest night -- she also hosted the show in 2007. Her hosing style was in line with her typical chatty charm, thought she did work in some zingers for the famous faces in the room. She also delivered one of the most classic one-liners we've heard during the show when she quipped: ''Let's be honest. It's not that we don't have time for long speeches. We don't have time for boring speeches.''
As for what not to expect? "We Saw Your Boobs" song and dance numbers. DeGeneres has more tricks up her sleeve than that.
The show will air Sunday, March 2, 2014.


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Posted by Chip Patterson
AIR FORCE WON. The Falcons overcame a 14-0 halftime deficit to storm back in the second half and capture the Commander-in-Chief Trophy for the second consecutive year. Air Force took advantage of five Army turnovers, and was able to milk the clock with their ball control down once they claimed the lead in the fourth quarter.
HOW AIR FORCE WON: After starting the game as the physically dominant team, Army shot themselves in the foot continuously by turning the ball over. Air Force struggled to find consistency with their rushing attack, but being set up with a short field made scoring easier in the second half. Asher Clark led the way on the ground for the Falcons, with 16 carries for 78 yards.
WHEN AIR FORCE WON: After being forced to punt on a three-and-out down 24-14, the Army defense nearly returned the favor by forcing a 3rd and 7 for Air Force. Needing a stop to keep the Falcons from burning time off the clock with their ground game, Army gave up a 23 yard run to Asher Clark. Air Force continued to burn almost five minutes off the clock on that drive.
WHAT AIR FORCE WON: Winning the Commander-in-Chief Trophy outright for the second straight season, the 18th time in the history of the series. The rest of the schedule sets up well for the Falcons, who could possibly run the table to finish the season 8-4.
WHAT ARMY LOST: A much-needed win win to keep bowl hopes alive. Bowl eligibility now seems like a far reach for a six-loss Black Knights team with Rutgers, Temple, and Navy left on the schedule. A win also would have given Army the opportunity to possibly win the Commander-in-Chief Trophy for the first time since 1996.
THAT WAS CRAZY: The five turnovers. Army dominated the line of scrimmage in the first half, and seemed to be ready to knock off the Falcons until they kept turning the ball over. It took away all the momentum from the Black Knights, and wore down the defense.
Keep up with the latest college football news from around the country. From the regular season all the way through the bowl games, CBSSports.com has you covered with this daily newsletter. | Preview


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True Dualsports getting heavier and less powerful?
Discussion in 'Thumpers' started by mikem9, Jan 22, 2013.
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- TanzaniaRetailFunding via Tujijenge Tanzania Ltd
Freedom Cha...TanzaniaRetailFunding via Tujijenge Tanzania Ltd
Torees GroupTanzaniaRetailFunding via Tujijenge Tanzania Ltd
Mbayuwayu Group
He has been running a retail shop, selling food items for three years now. He works from 6:00 a.m. to 9:00 p.m. daily and is able to make a very good monthly profit.
This will be Obed's fifth loan from Tujijenge Tanzania. He used the previous loans to increase the shop inventory. At first, he had small capital, so the shop had very few items, but as he was taking more loans, he was increasing the stock inventory. He is happy with the loan because the shop has grown more. He has paid back all his loans successfully.
He will use this loan to restock the out-of-stock items in the shop inventory -- things like sugar, rice, beans, cooking oil, packets of salt, maize flour, etc. He dreams to shop more business items in future.
He will share this loan with her loan group "Mbayuwayu," which totals 11 members. The members of the group will hold each other accountable for paying back the loan.
Additional Information
About Tujijenge TanzaniaThis loan is administered by Tujijenge Tanzania, which was founded in 2006. It has operations in Dar es Salaam, the coastal region, and the Lake Victoria region. The organization aims to reach out to micro entrepreneurs and provide them with financial and social intermediation services because capital is one of the major barriers to development and success for micro-enterprise initiatives in Tanzania.
For more information on Tujijenge Tanzania, please visit its partner page, or join its lending team.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Tanzania
44View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Jun 26, 2013
- Listed
- Jul 5, 2013
- Currency Exchange Loss:
- Possible
- Ended:
- Nov 17, 2013


text: > View Product Details Please select the size of the product. Please enter valid quantity. Bailey 44 black draped jersey 'Hedwig' top overview details Retail: $136.00 Bluefly: $48.00 $28.97 color : We're sorry. This style is sold out. Black With up to the minute trends influencing their designs, Bailey 44 brings you the most comfortable jersey knits around. Color: Black Lightweight jersey knit Camisole neckline Thin, non-adjustable straps Draped front and back with draped panels at sides Fully lined 27'' from shoulder seam to hem Approximate measurements taken from a size S, and may vary by size 100% Rayon; Dry Clean; U.S.A; style#312883801


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After engaging in a racially motivated street fight with a black man, Charles Cannon found himself facing—as expected—assault charges and a sentencing enhancement to penalize him further under Texas's hate crime law. To federal prosecutors, however, this was not good enough, so they charged Cannon under the federal Hate Crimes Prevention Act (HCPA). You see, they had to make a federal case out of a fistfight to stop the return of slavery.
If that sounds odd, it probably should. The HCPA was passed pursuant to Section 2 of the Thirteenth Amendment, which authorizes Congress to enforce the Thirteenth Amendment ban on slavery, which authority the Supreme Court has extended to eliminating the "badges and incidents" of slavery. Defining these "badges and incidents" is naturally left up to Congress, and Congress has determined that racially motivated violence fits into that ever-expanding category. Cannon challenged his HCPA charges, but the federal district and appeals courts upheld the HCPA's constitutionality, deferring to Congress's power to "rationally determine" what the badges and incidents of slavery entail.
In petitioning the Supreme Court for review, Cannon argues that the HCPA intrudes on the states' police power to prosecute local crimes and that Congress can't be the judge of the limits of its own powers, whether under the Thirteenth Amendment or otherwise. Joined by the Reason Foundation and the Individual Rights Foundation, Cato has filed a briefsupporting Cannon's petition. We argue that the use of hate-crime laws to sweep local criminal activity into federal court has nothing to do with stamping out slavery and that the Court should decide the legitimacy of these laws before a more highly politicized case comes along—Ferguson, anyone?—and makes that task even harder.
Not only are federal hate crime laws constitutionally unsound, but, as George Zimmerman's trial over the death of Trayvon Martin highlighted, they invite people dissatisfied with a state court outcome to demand that the federal government retry unpopular defendants. Giving Congress unlimited power and impairing the fundamental right to be free from double prosecution are too high and too immediate a price to pay to combat the phantom menace of slavery's return to the United States.
Whether Gun Violence or Abortion Violence, Harming Innocent Human Life Is Always Wrong | Ryan Bomberger
TPP Would Authorize Obama to Set $15 Minimum Wage, Card Check, and CO2 Emissions Regulation—All By Executive Fiat | Michael Hammond
The Heart of the Pro-Life Movement Is a Heart of Compassion: A Response to Colorado | Congressman Diane Black
McCain: Let's face it, Trump's rhetoric is turning Muslims all over the world against us | Allahpundit


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|Whiskey Creek's
Jukin Jazzy Jane
|Jazzy is our little plump girl. She is a sweet little dog. She is always looking for a toy or something to pick
up so that the other girls will chase her. She is a little prankster.
|Whiskey Creek's
Daisy Mae
|Daisy is a little ball of energy. She likes to grab toys and have the other dogs chase her too. She loves to
have her belly rubbed. She is a beautiful girl!
|Whiskey Creek's
Sheriff Gunny
|Gunny as a puppy. Perfect example of a
French Bulldog.
|Gunny all grown up.
Stocky build and a large head. He is a ball of fire. He only knows one speed and that is full speed. He
is the friendliest little guy. Really sweet disposition.
|Whiskey Creek's
Gigit Wigit
|Gigit is our newest addition. She is 17 months old. She is very loving & really curious. She likes to leave
her tongue hanging out so she looks like a nut!
|Our Moms & Pops
|Our Moms
|Our Pop
Copy Right Whiskey Creek French Bulldogs 2015
|Gunny is a great stud. His stud service fee is between $1,000.00 to
$1,500.00. He throws beautiful puppies.


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Submited by- Sitagita Team on 22 Oct, 2011 CAREER WORKING WOMEN
care of their kids, house and husbands. The job of a house wife is THE MOST THANKLESS JOB in the entire...In India a large percentage of women are housewives. They are the one who stay at home and take... world. Every day a housewife does the same kind of work she prepares food for the family, house cleaning Read More...
0 Comment(s) Avg Rating 2597 Reads 0 Likes Tweet
Submited by- Sitagita Team on 25 Jan, 2013 LIFESTYLE PEOPLE & PERSONALITIES
alongside Amir Khan. Following the admiration from the masses, she participated in the Miss India beauty... gorgeous looks and went on to become the first Indian woman to have been crowned Miss World, the same year... for her as she starred in Tamil movie Jeans by S. Shankar, which was a huge hit as well as India..., this movie was a major success not only in India, but also abroad. Following the success of Hum Dil De... critics for her acting in the movie. The same year, Taal was also released which did fairly well in India Read More...
0 Comment(s) Avg Rating 1212 Reads 0 Likes Tweet
Submited by- Sitagita Team on 22 Aug, 2012 CAREER WORKING WOMEN
every man would be proud of. The house-wife This word on the other hand does not have as simple... a meaning as it might sound. The house-wife puts in all her efforts to run the household smoothly...-curricular activities as well. They are on their toes throughout the day to put everything on place. A house-wife might.... The working wife She devotes the greater time of the day in office and gets minimal time to look after... the daily chores at home – be it anything from decorating the house, to cooking, to shopping Read More...
0 Comment(s) Avg Rating 4761 Reads 5 Likes Tweet
Submited by- Sitagita Team on 26 Sep, 2011 CAREER WORKING WOMEN
done! Care to listen? Indian BPOs are not being direct with their customers. They seem to shy awayEmployees in BPOs are given training on how to be courteous and how to talk with a neutral accent. But the problem according to some companies is that there is too much of politeness and not enough of work getting done! Care to listen? Indian BPOs are not being direct with their customers. They s... Read More...
0 Comment(s) Avg Rating 1803 Reads 0 Likes Tweet
Submited by- Sitagita Team on 17 Jan, 2011 ENTERTAINMENT CELEBRITIES
If you are looking for information on some of the most famous Bollywood real life couples, then you... Bollywood pair of "Indian He-Man" Dharmendra and Dream Girl Hema Malini or of enigmatic Dilip Kumar... and gorgeous Saira Banu, you will find it all here. Keep reading for more information on famous Bollywood real Read More...
0 Comment(s) Avg Rating 4883 Reads 0 Likes Tweet
Submited by- Sitagita Team on 07 Jun, 2012 LIFESTYLE FESTIVALS & CULTURE
If we go by the literal meaning, image means a reproduction of the form of a person or object... of the happenings in the outside world and struggled to achieve an image, they should try and sustain it. Image... position she needs to first catch hold of her image because it's the image that would help her secure... situation as in medieval times. Thus, in the case of women, if image is lost then everything should Read More...
0 Comment(s) Avg Rating 2017 Reads 1 Likes Tweet
9 Comment(s) 2268 Reads 0 Likes
and content and had no issues in staying back at home and looking after the house and kids while her wife off... if your wife works? What is the problem if you stay back and look after the house and decide the menu...="EN-IN">I recently went through an article which focused on the Super house husbands, and quoted... investment banker in Hong Kong, then her wife Anusha Bhagat was offered the position of COO by UBS... bank, Chetan without any second thoughts left his job and came back to India. He was happy Read More...
0 Comment(s) 2075 Reads 0 Likes
0 Comment(s) 3502 Reads 1 Likes
0 Comment(s) 1331 Reads 0 Likes
0 Comment(s) 1283 Reads 0 Likes
of parliament is Meira Kumar. Furthermore, Delhi , the capital of India, sports a woman chief minister, Sheila... independent . No other country has as many women in politics at the senior level as India does.Women are given... right of property and right of inheritance in India. There are many women doctors , as a percentage..., in India than in many developed countries. We have another set of women excelling in writing though... to the common perception a large percentage of women in India work. In rural India, agriculture and allied Read More...
0 Comment(s) 3641 Reads 4 Likes
Which shampoo brand you prefer the most for your hair?
|Matrix Biolage
|3% | 4 votes
|Dove Nutritive Therapy
|22% | 29 votes
|L'Oreal Paris Total Repair
|26% | 34 votes
|Sunsilk Co-Creations
|40% | 52 votes
|Fiama Di Wills
|6% | 8 votes
|Total Votes: 127
|View all Polls


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Has anyone had an issue with there paint?
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Dodge Ram Forum Senior Member
Join Date: Dec 2011
Location: PA
Posts: 2,103
Gender: Male
Vehicle: 2014 Dodge Ram
Trim Level: Sport
Color: Black
Engine: 2013-20?? 345ci (5.7L) Hemi V8 395hp 410lb/ft
Rep Power:
The paint AND metal on these dodge`s ALL suck...PERIOD. Open your doors, look around, you can see bare metal everywhere, shows clearly right thru the paint...!!!!!!! At first, i thought it was just my truck, but i`ve seen so many shitty paint jobs on these 3rd & 4th gen dodge trucks, its just plain sickening, especially for what we pay for them...!!!!!!! Mine is (2010) starting to rust badly everywhere, right thru the paint. I`ve washed AND waxed this truck more than i ever have with any other vehicle i`ve ever owned. Its ok, dodge wont get another sale out of me again. Guess i should have known better... a guy at work has a 2007, the box is falling right off his dodge hemi truck because ther is NOTHING left of it... rotted right off the frame. Another guy at work has a 2008 dodge hemi truck, his has holes the size of baseballs right thru the sides of his box right over each rear wheel. The chevys and the fords in our parking lot at work are quite a bit older, not EVEN NEARLY as rusted... paint might be starting to bubble at the most, but none have huge ass holes THRU THE BODY PANELS like the dodges.
Life`s tough, its even tougher if you`re stupid
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London's Olympic Games rocked, rolled smoothly
LONDON — With a final show of American basketball brilliance and a final shooting of fireworks over Olympic Stadium, the Games of the XXX Olympiad closed as a rousing success, first and foremost, for Britain.
"London promised an athletes' Games, and that's exactly what we got," Jacques Rogge, president of the International Olympic Committee, said Sunday in his closing news conference. "It was exceptional. Uplifting and energizing."
It was all that and more, by any reasonable measure.
The closing main event had LeBron James, Kobe Bryant and the rest of the NBA stars filling the U.S. roster overcoming a game Spain team, 107-100, for the gold medal. When it was over, the NBA players stood at center court and applauded the 20,000-plus jamming the world-famous O2 Arena.
Then, across the way in the 80,000-seat stadium housing the Olympic torch, the Closing Ceremony offered another celebration of the culture, particularly the pop music, of this storied city and nation. Headline acts were the Spice Girls, The Who, George Michael, Pet Shop Boys and Jessie J, with audio riffs ranging from the Beatles and Stones to the Sex Pistols and Clash.
'Greatest Olympics'
London organizers overcame early issues with empty seats — the result of IOC sponsors not using their complimentary tickets — and wound up selling nearly 8 million tickets, plus a record 2.2 million tickets for the upcoming Paralympics. After the first week, nearly every seat at every event, large and small, was filled.
Rogge called the issuing of tickets "difficult" but vowed to review it before the 2016 games in Rio de Janeiro.
They also overcame what many felt would be their most difficult challenge: providing transportation. Relying almost entirely on the existing — and ancient — underground railroad network to handle a 30 percent uptick in passengers, it was successful. One mishap with a signal caused a five-hour delay on the Central Line in the first week, but that was it. Trains were packed, but they came every two minutes on the busiest lines.
Security always is an issue at the Olympics, but there were no significant or minor incidents. Of the $14 billion organizers spent on the Games, about half went into security. Although the firm hired to manage security embarrassingly fell 3,000 officers shy of its promised 10,000, the British military — including some recently returned from Afghanistan — filled the gaps.
Police dogs and visible machine guns were everywhere, but all concerned moved about with a smile and nod. The 242 arrests made at or near Olympic venues were of the minor variety such as a bomb hoax, five robberies and a man swimming in the Thames River.
Same was true of the 70,000-plus volunteers, young and old, omnipresent not just at Olympic venues but also at strategic points throughout central London. In the dead of night, some were still working.
Small wonder all concerned expressed pride as visitors packed to depart.
"This is a very confident country that has delivered something on time, on budget and superbly well done," said British Prime Minister David Cameron. "We are a country that cannot just deliver but shine when it does so."
Organizers won't know for a while whether the Games were profitable. The total cost was less than half the estimated $30 billion Beijing spent in 2008, mostly because the majority of sports facilities built here are temporary. Some, such as the entire structure for field hockey, are being sold to the Brazilians for use in Rio. Others, such as the Aquatics Centre that required extra seating for those eager to catch a glimpse of Michael Phelps, were designed to be downsized.
As with any Olympics, the victory for the host community tends to be less tangible.
"This is about the story of London going out to the world," said the city's outspoken mayor, Boris Johnson. "And we have quite the story to tell."
The Brits were winners on the medal stand, too, collecting 29 golds and 65 total medals, both national records. The host country always gets a pick-me-up from competing before the home fans, but this was an advantage one could feel in most venues.
"This is our greatest performance of our greatest team at the greatest Olympics ever," said Andy Hunt, Great Britain's chef de mission.
'We like to come in first'
The Games included several landmark moments, from Usain Bolt's breathtaking runs to reassert himself as the fastest human in history to Phelps becoming the most decorated Olympian ever. The competition was deemed among the cleanest, with only seven athletes suspended for doping.
But the broader success of the United States wound up the biggest story.
The Americans finished with 46 golds and 104 total medals, retaking the top spot from China — 38 golds and 87 total medals — after the Chinese went all-out in Beijing. That flew in the face of a public prediction earlier this year by Sebastian Coe, London's chief organizer, that China again would top the United States.
"I told Seb in April we were going to work very hard to prove him wrong, so I'm very happy about that," said Larry Probst, chairman of the U.S. Olympic Committee. "There was a lot of opinion about where we would finish as a team. We like to come in first, and there's nothing wrong with that. The last time we did was in Athens (in 2004), so it's been a while."
It was due mostly to the women, who represented the majority of the U.S. team for the first time and outpaced the men in gold medals, 29-17, and total medals, 58-45.
"I hope girls everywhere see what we've done over here and get inspired to participate in sports," said Hopewell's Christa Harmotto, a silver medalist with the U.S. volleyball team. "It's a great message to send back home."
Harmotto was one of four athletes raised in the Pittsburgh area to medal. McKeesport's Swin Cash won her second gold in basketball; Rochester's Lauryn Williams, a gold for her alternate's role on the 4x100 relay sprint; and Waynesburg's Coleman Scott, a bronze in 60-kilogram freestyle wrestling.
Dejan Kovacevic is a staff writer for Trib Total Media. He can be reached at firstname.lastname@example.com.
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Posted November 27, 2015 by Alex Econs & filed under Inspiration.
With the frosts of dawn nipping at our heels, see what's caught the collective eye of Team ICON lately with these winter warmers.
Posted September 28, 2015 by Alex Econs & filed under Behind The Scenes.
We had such a great time live screen printing at Tent London in collaboration with People of Print last week. One thousand tote bags were carefully printed with the five winning designs created by Adrian Zorzano, Matt Lewis, Jess Gray, Kate Farley and Thom Lambert, then given away across the four days. Take a look at…Read More
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A few months back we teamed up with Tent London to offer designers from all backgrounds the chance to create limited edition tote bags to be given out at this year's festival With only a week to go until the doors open and creatives from across the globe descend on the Old Truman Brewery, we're…Read More
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This weekend the London Illustration Fair returns to the Hoxton Arches with their Summer Festival: Psychedelia. The three day celebration of mind-bending work showcases visual treats from illustrators, designers, collectives, and print studios working within the UK. Read More
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Hey! I'm Lucy, aka ShinyThoughts, a colour loving 25 year old living in North London who loves gallivanting in the woods, ugly dolls, Lazy Oaf, loose leaf tea (cos I'm, like, posh) and Zumba. Read More
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A 25 year old female is expected to appear before Carrickmacross District Court this morning charged in relation to a fatal traffic collision on Monday, May 5.
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abe froman
More and more often in the US our police are killing unarmed citizens in the daily course of their standard operations. Our crime rate is the lowest it's been in years and yet the body count of unarmed civilians keeps rising.
How do the unarmed bobbies keep England from devolving into absolute chaos and anarchy without random murder of innocents?
abe froman
reply to post by jimmyx
How come that can't work in the United States?
In the British model of policing, police officers are citizens in uniform. They exercise their powers to police their fellow citizens with the implicit consent of their fellow citizens. Policing by consent is the phrase used to describe this. It denotes that the legitimacy of policing in the eyes of the public is based upon a general consensus of support that follows from transparency about their powers, demonstrating integrity in exercising those powers and their accountability for doing so.[5]
reply to post by abe froman
Historically, it's worked because the rest of the population haven't had guns either.


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COLLBRAN, Colo. (AP) - Crews are searching the bottom edge of a massive mudslide in western Colorado for three men who went missing after checking on damage from an initial slide.
The men haven't been heard from since a half-mile wide piece of ridge, saturated by heavy rain, collapsed Sunday and sent mud sliding for 3 miles.
Sheriff Stan Hilkey said the search has been hampered because only the lower third of the slide is stable. At the edges there, the mud is 20 to 30 feet deep. It's believed to be several hundred feet deep in some places.
Hilkey says everyone is praying for a miracle but said no signs of the men or their truck have been found.
He has consulted with the sheriff who responded to March's mudslide in Washington state for advice on how to handle the search.
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John Whitlock
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Matthews, Simpson & Pool of Co. Antrim, Ireland
Sponsored Memorial
Thank you for sponsoring John P. Langan's memorial. That was very kind and generous of you to do that!
From Find A Grave members,
Matthews, Simpson & Pool
of Co. Antrim, Ireland
Added by
Matthews, Simpson & Pool ...
on Jun 12, 2015 2:40 PM
Tom Crago
RE: Cornelius Regier
I can't read it either. The photo was taken by Adelbert Goertz, who has since died. I don't know if the original photo can be found to add clarity. I can delete the photo, if you like.
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Tom Crago
on Mar 04, 2015 8:35 AM
Tom Crago
Cornelius Regier
Would you like to manage this memorial which you have now sponsored? I am happy to transfer it if you wish to do that.
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Tom Crago
on Feb 07, 2015 2:04 PM
C & N Rasmussen
Caroline & Frederick Whitlock
Hello John,
Thank you for sponsoring Caroline's memorial. I've created a memorial for Frederick too. I've asked Teresa to post a photo on his memorial. Would you like me to transfer the memorials to you? I'd be happy to do so.
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C & N Rasmussen
on Oct 02, 2013 5:16 PM
Reed Crandall
Thanks for sponsoring
Reed's work was awesome I remember being enthralled by it as a kid in the 60s
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325 Spring St, Nevada City, CA, US
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Capacity: 375
Bio: Unique cultural center in the heart of the historic Nevada City, CA, 1 hr drive from Sacramento. From humble beginnings as a machine shop during the Gold Rush to its current incarnation as a premier cultural center in No. California, the Foundry is a vibrant, cultural center hosting local, national and international musicians in the beautiful stone & great halls. A flat floor venue, seating 375+, with professional sound system, lighting system, full, professional stage, the Foundry is a one-of-a-kind venue.