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Health-Care Costs: HR's Crisis Has Real Solutions
Health care costs will rise as much as 16 percent this year. But by exposing employees to the cost consequences of their care, employers can rein in expenses.
In the United States, employers cover the cost of worker health care. If not exactly a right, then company-sponsored health benefits are certainly an expectation -- so much so that employees are accustomed to having their companies not only pick up the entire health-care tab, but also make major decisions about providers, insurance carriers, and coverage areas. As a result, the average American worker is blissfully ignorant about the enormous complexity and staggering cost of the U.S. health-care system.
This ignorance is expensive. Uninformed employees routinely choose higher-cost drugs without realizing it. They fail to manage chronic illnesses such as depression or diabetes, which leads to more costly medical care later on. They either head to the doctor at the first sign of a stomachache or neglect to go entirely. In the end, it's employers that pick up the tab for these ill-informed decisions.
The era of the uninformed health-care consumer, however, may be rapidly drawing to a close. Why? Because spiraling costs mean that employers can no longer afford to accommodate employees who don't make wise health-care decisions.
How much are costs rising?
Nationwide, health costs are expected to rise between 13 and 16 percent in 2002, representing the fourth consecutive year of major cost hikes and the highest annual percentage increase in 10 years.
"For the next three to four years, there will be no other inflationary area of business that will affect an employer's bottom line as dramatically as the predicted 15 to 20 percent annual growth in health-insurance premiums," says John Word, managing partner of CaliforniaChoice, a small group health purchasing
alliance based in Orange, California. In real numbers, a 15 percent increase on a $2,000 monthly premium will, over four years, raise that premium to $3,500. If the rate of increase is 20 percent, the monthly premium will more than double.
There are many things driving the meteoric rise in health costs. For starters, there's been a drastic escalation in prescription drug costs. Not only are there more drugs on the market, which naturally increases utilization, but consumers can also take more of these drugs in combination without side effects. Furthermore, direct-to-consumer marketing has been extremely successful in increasing demand for new drugs. "Today, about 70 percent of the people who go to the doctor and ask for a prescription because of an advertisement walk out with a prescription," says Randall Abbott, senior consultant with Watson Wyatt Worldwide in Philadelphia.
The continued development of life-saving technology also contributes to the rising health-care bill. Unlike other technology, health technology doesn't become less expensive over time, says Joe Luchok, communications manager of the Health Insurance Association of America, based in Washington, D.C. "Today, you can get a VCR for $99 that cost $1,000 20 years ago. That doesn't happen with MRIs."
America's aging population is another factor in escalating costs. Older people require more health care, and the health care they receive is typically more expensive than that delivered to younger people.
Far from helping employers grapple with rising costs, the government has actually added to the burden through state insurance mandates that force employers to provide certain kinds of coverage. There are currently more than 1,400 mandates across the states that cover everything from alcoholism and infertility treatment to oral contraceptives and wigs, according to a study by Blue Cross/Blue Shield. "Many of these mandated coverage areas are over and above what is considered by employers to be basic protection against illness or injury," Abbott says.
The terrorist attacks of September 11 -- combined with the ensuing recession -- have certainly not made the battle against rising health costs any easier. In fact, they may actually cause health-care benefit costs to rise faster than expected. There was a post-9/11 upswing in utilization of behavioral health and employee assistance plan services, as well as a rise in anti-anxiety and anti-depression prescription drug expenses. Layoffs are also contributing to escalating health costs by increasing the claim expense that companies face when their unemployed workers enroll for COBRA continuation coverage. "The dual effects of layoffs and the aftermath of September 11 will increase costs an additional 1 to 2 percent for companies nationwide, and 3 to 5 percent for metro New York companies," Abbott says.
For the last decade or so, employers have been able to keep the rise in health costs to a minimum by switching health plans, most notably from traditional indemnity coverage to some type of managed care. But managed care has reached a saturation point in its ability to save money through price discounts. "In recent years, most of the savings or flat costs in health care were because managed care has been able to evolve and cover more people," Abbott says. "But today, in most areas of the country, price discounts associated with managed care have been reached and the savings are over."
As a result, employers are beginning to realize that the only way to effect longer-term changes in the cost of care is to get employees -- the consumers of health care -- more actively involved in purchasing and utilizing health-care services. After all, one of the reasons medical costs keep rising is that consumers are separated from purchase decisions. Thus, there is no way to hold them accountable for utilization or costs. If companies are to have any hope of holding down cost increases, employees must be held more accountable for their health-care decisions. As Lou Cimini, senior vice president of HR and organizational performance for The Holmes Group, a manufacturer and distributor of small appliances in Milford, Massachusetts, explains: "The real change that has to occur is in the mind-set of employees from being passive to active consumers."
In fact, a recent survey by Hewitt Associates, a global management consulting firm, reveals that 61 percent of companies report being either somewhat or extremely comfortable with employees taking more responsibility for evaluating and selecting health plans, coverage levels, providers, and health-care services.
Building financial accountability
Employers are trying to increase employee accountability and at the same time reduce costs in a number of ways, the first of which is cost-sharing. Over the past three years, employers have taken a grin-and-bear-it approach to rising health costs. Instead of sharing a percentage of cost increases with employees, they absorbed the increases because they didn't want to risk alienating workers in a tight labor market.
Today, however, with unemployment rising and the economy in an official recession, employers are no longer willing to be so benevolent. According to a study by Watson Wyatt, a majority of employers (56 percent) report that employee contributions for health care -- through such things as payroll deductions and co-pays -- will increase this year. Furthermore, the amount of that increase is likely to be higher than the rate of inflation, as employers try to play catch-up for the last several years. "If costs go up 13.6 percent this year," Abbott says, "most employers will be increasing employee contributions by 20 to 25 percent."
Increasing employee contributions is not only a way for employers to relieve their cost burden, but also a way of encouraging employees to think harder about their health benefits. If they have to pay more for medical coverage, the hope is that employees may be prompted to move to less expensive coverage, to utilize spousal coverage through another company, to reduce their indiscriminate use of health services, and to choose lower-cost therapies.
Higher co-pays are also being applied to prescription drug coverage. Employers, if they haven't done so already, are migrating to pharmaceutical benefit plans that utilize drug formularies. Chris Robbins, principal, Arxcel, Inc., a consulting firm that helps employers manage prescription drug costs, says that formularies utilize a three-tier co-pay system. Employees pay the highest co-pay for brand-name drugs, a lower co-pay for less expensive medication with the same effectiveness, and the smallest or no co-pay for generics. This forces employees to decide for themselves whether it's worth it to use, say, Pepcid for heartburn as opposed to the generic alternative.
The cost-savings that result from these strategies can be impressive. John E. Scully, senior vice president, human resources, for ABN AMRO North America, Inc., the holding company for LaSalle Bank in Chicago, saw his company's health costs rise an alarming 20 percent this year. By asking the 25,000 employees to contribute 3 percent more toward their health insurance costs -- a jump from 21 to 24 percent -- and by asking them to pay a higher co-pay for non-generic drugs, he anticipates saving $1.5 to $1.7 million this year.
Toward more consumer-driven health benefits
Two years ago, companies began debating the benefits of defined-contribution health plans, in which employers give workers vouchers that allow them to buy their own health care. Employers quickly realized, however, that there were far too many obstacles in the way of defined-contribution plans becoming a reality: the vouchers would be taxable, the market infrastructure is not in place to allow individual consumers to buy medical insurance, and consumers are not very sophisticated when it comes to making decisions about health-care coverage. Still, employers liked the philosophy behind the defined-contribution model. They liked the idea of "defining," or capping, their annual per-employee health expenditures, and they liked fostering employee involvement in health-care decisions.
Fortunately, over the last couple of years, several alternative health-benefit approaches have hit the market that allow employers to do both these things without going so far as a defined-contribution voucher system. These approaches go by various names: consumer-driven health benefits, health-care asset management, and medical spending accounts. Providers include such company names as Definity, Lumenos, Vivius, and CareGain.
Despite the lack of a common lexicon, what these companies offer is similar: simplification of plans and administration, greater employee accountability, and more specific definition of health-care costs.
Definity, which is the best known of these new approaches, works with large self-insured companies like Minneapolis-based Woodward Governor Company, a provider of energy-control systems for industrial engines. Through Definity, Woodward purchased a high-deductible insurance plan for its employees. To help employees meet the cost of the deductible and purchase medical care throughout the year, Woodward established individual personal care accounts. Single employees, for example, received $1,000 per year with which to pay medical costs, whereas employees with families received $2,000.
Employees use these funds to pay for traditional medical care such as doctor visits and prescription drugs, as well as alternative therapies such as massage, chiropractic, and acupuncture. Whatever funds employees don't use during the year are rolled over to the next so that, over time, their health-care accounts grow in value. To discourage employees from avoiding health care altogether in an effort to save money, or choosing a face-lift instead of a pap smear, for example, the Definity plan provides 100 percent coverage of preventive health-care services. Furthermore, the personal care account is always maintained by Woodward. Employees don't have access to the funds for other uses.
If an employee's annual medical expenses do exceed the amount allotted to his personal care account, then insurance coverage kicks in. Employees will typically have to contribute an additional co-pay to reach the high deductible amount. Single employees, for example, who have $1,000 allotted to their personal care accounts, will have to pay an additional $500 out of pocket to meet the deductible. According to Chris Delaney, vice president of marketing for Definity, based in Minneapolis, 70 percent of employees will never reach the highest spending level.
To help employees make wise decisions about how to spend the dollars in their personal care accounts, Definity provides an extensive list of health and wellness information online. Employees at Woodward Governor, for example, can use the Definity site to search for providers in their region, check pricing for procedures, talk to nursing professionals, and determine the amount available in their personal care accounts. They also have online access to the consumer medical library at Johns Hopkins University.
"Getting consumers more involved and informed brings more pressure to bear on costs," Delaney says. Although the Definity approach is still in its infancy, self-insured employers such as Aon Corporation in Chicago and Medtronic, Inc., in Minneapolis, both of which have used Definity for the last year, saw employee utilization of services drop by 10 percent. If costs had held steady, that would represent a 10 percent decrease.
"This approach is about containing costs, and the only way we'll get there is if we keep the consumer involved, engaged, and concerned about their health-care benefit," Delaney adds.
CareGain, Inc., based in Princeton, New Jersey, offers a similar benefit for small and mid-sized employers. Under CareGain's "health care asset management" model, employers purchase high-deductible insurance plans for employees. The employers, however, require employees to pay only a small amount of the deductible. To fund the difference, employers establish personal accounts in each employee's name. This not only limits the employer's financial exposure but also provides a stop-loss mechanism for employees.
Amit Gupta, president and COO of CareGain, says that 75 to 80 percent of employees don't use health-care services worth more than $1,000 a year. At the end of the year, whatever is left in each employee's personal account is split between the employer and the employee. Unlike the Definity model, this allows employees to take their excess funds with them when they leave the company.
How much does the CareGain model save companies? "About 25 percent on average," Gupta says. He cites the example of one of their clients, a 100-person company that had a very generous health plan with premiums costing $800,000 per year. Going to a $2,500 deductible slashed premium costs to $490,000, a savings of $310,000. The company used $250,000 of that savings to fund the employee accounts so that each employee could have access to $2,500 for health expenses leading up to the deductible.
This represented a $60,000 savings right up front. If, over the course of the year, every employee used the $2,500 in his or her account, the net savings would still be $60,000. But chances are that the majority of employees will not even come close to that amount, creating a greater savings for the company by the end of the year. If only 30 percent of funds in the accounts is used, for example, the company would take the remaining 70 percent and split it with employees. This equals an additional savings of $87,500.
Besides saving money, what CareGain, Definity, and the other new consumer-centric health plans have in common is that they encourage employees to think harder about what they are spending their money on and, in the process, to become more educated about the health-care delivery system. Both of these elements are necessary if employers are to have any hope of reducing the amount of health cost increases.
People have always looked at health-care purchases differently than other purchases because they've had no skin in the game. But by increasing payroll contributions and co-pays, and by giving employees accounts with which they can manage their own medical expenses, employers are hoping to change this model. Company provided health-care coverage may be an expectation in this country, but today's employers do have rights to a few expectations of their own.
Cartoon by Marc Tyler Nobleman.
Workforce, February 2002, pp. 28-34 -- Subscribe Now!


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Hatteras GT63By Capt. Patrick Sciacca
The "It" Factor
A trip to the Bahamas shows that this 63-footer has taken fishablity, speed, and comfort to the next level.
The expanse of violaceous Gulf Stream water off of Pompano Beach, Florida's Hillsboro Inlet captured my eyes. I was sitting at the helm of the Hatteras GT63 convertible with my hands on the wheel, comfortably seated in the optional Pompanette International Series ladder-back helm chair. Below decks twin 1,900-bhp Caterpillar C32 ACERT diesels (also optional) purred at 1750 rpm, and with a full load of fuel (1,900 gallons) and water (300 gallons) and five crew, my test boat was cruising along at a cool 35.0 mph over the abyss and toward the aquamarine shallows of Bimini.
To say that Hatteras has come up with smooth-riding hulls for its GT Series, which also includes the GT60 (see "Hardcore" PMY August 2007) and the GT54, is an understatement. The sun shone high as our crew, which included PMY editor-in-chief Capt. Richard Thiel, PMY sales rep Joe Illes, and Hatteras' marketing rep Eric Cashion and Capt. Jeff Donahue, dozed around me. The sea was admittedly calm, but I think it was the 63's solid fiberglass variable-deadrise hull with its fine entry, convex foresections, and near-flat running surface that lulled my crew into dreamland. That hull and the 63's fiberglass stringers are laminated using resin infusion, which optimizes the glass-to-resin ratio and in turn offers a stronger structure with lighter weight than a comparably sized hand-laid boat.
First Donahue left the flying bridge for a snooze below decks, and then Illes was checking out a movie on the back of his eyelids in the benchseat off to my starboard side. Cashion, who was sitting on another benchseat in front of the helm and leaning on the massive top-load freezer, was next to succumb to the Sandman, and soon his body was bouncing around like a bobblehead. Even though it was a short 49-mile jaunt across to Bimini, Thiel was the only one who managed to stay awake while I was at the helm. I couldn't blame them, though. The night before our departure, I'd crashed in the queen-berth-equipped forepeak VIP of this four-stateroom battlewagon (a three-stateroom option is available), and after setting the Cruisair air conditioning to a comfy 69F and breaking out a book, I fell out before even getting to chapter one. Heck, the next morning my iPhone alarm was ringing for two minutes before I heard it. As someone who spends a lot of time sleeping onboard boats, I can say with confidence and from experience that this one is comfy.
Before heading into Bimini's harbor for two days of sea trials, photo shoots (the boats, not us incredibly photogenic editors), and fishing, I pulled back on the single-lever Ongaro controls and decided to get in some speed trials and fuel-flow data. That woke up Illes, who woke up Donahue, and after some eye rubbing and "What did you that for? I was sleeping," from him, we all got to the business of boat testing.
One thing that wasn't sleepy was the 63's performance. While her 35-mph, 1750-rpm cruise—at about 68 percent engine load and 124 gph—was enough to get us to Bimini in about 90 minutes, she could've easily shortened the trip. Her 2000-rpm cruise speed, which will be more of a real-world setting on nice days, averaged out to 40.7 mph. That ups the burn to 152 gph, but for the hardcore sportfisherman it means a good shot at being the first boat out to the fishing grounds and leading the pack back on tournament day. And speaking of leading the pack—in slick-calm conditions, our 63 averaged a top hop of 46.2 mph at 200 gph and 2250 rpm. (See PMY's Numbers for full test data.)
As the sun got low in the sky, Donahue pointed our boat into the harbor and toward the dock at Guy Harvey's Bimini Big Game Club to tie up, clear customs, and get ready to see if the boat's fishing ability could match her performance. As Thiel left the restaurant at the Club that night, he informed Cashion that he wanted to bring back some fresh fish for dinner the next night. (No pressure.) After a few cold Kaliks, it was time to dream of marlin, tuna, and wahoo.
Next morning, with our bellies full of sweet Bimini bread, we trolled the drop-off just offshore of the entrance to the harbor. First we ran north and south, then east and west, and then all over the place. Our track on the optional 15-inch VEI display (one of three at the helm), which was fed information from the Furuno NavNet blackbox system, looked like a bowl of spaghetti as we plied the warm and cobalt waters. Some skipjacks gave us brief excitement after one whacked the left long bait, and we had one mystery bite on a wahoo lure set deep off a squid-covered dredge weight. Other than that, we spent day two just enjoying the shade of the generous flying-bridge overhang while watching dancing baits from the standard mezzanine cockpit seating. (Of course, Thiel had really wanted to catch his own dinner.)
That isn't to say our boat wasn't equipped to catch. In her optional teak cockpit sole were two fishboxes capable of holding several bigeye tuna while under the mezzanine was enough freezer bait stowage for several tournament stops. In addition, the Pipewelders outriggers and tower give this beast the tools for hunting down billfish feeding on baitballs and the ability to spot tailing swordfish cruising on top. She was also outfitted with an optional Pompanette fighting chair for those days when the marlin are just too big to fight standing up. Fish or no fish, it was still great to be out there trolling and watching the four-rod spread skipping along, towed by the 'riggers while the squid chains were being pulled by the optional Maya Epoch electric teaser reels. But all too soon we pulled lines and headed back to the Club. At 46.2 mph, it didn't take long to get there.
That evening everyone enjoyed fresh fish (not ours) and chatted about the great crossing we had and the two days spent aboard a fine specimen of a sportfisherman. Considering the 63's easily accessed engine room (with 5'9" headroom and 39-inch-wide outboard walkways), high freeboard, spacious and comfortable staterooms, wicked fish-ability, tough build, and sleek profile, I determined that this vessel was truly geared to take crews to fish in exotic ports.
Early next morning I boarded a twin-engine puddle jumper for the flight back to Fort Lauderdale—and reality. As we lifted off I looked down and saw the 63 running at WOT towards the deep where the big fish live, just like she was meant to do. Just like she was born to do.
Click here for Hatteras's contact information and index of articles ➤
This article originally appeared in the May 2011 issue of Power & Motoryacht magazine.

subset: commoncrawl


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|Hendrix shows passion, enthusiasm for 4-H
|Written by Darci Tomky
With a love of horses and a surprising drive and determination for a 9-year-old, Taylor Hendrix joined six million young people across the country in pledging her head, heart, hands and health to 4-H this year.
"Unspeakable" was the only way Taylor could describe her first year as a Phillips County 4-H member in the Better Beef Makers club. Taylor joined because she thought 4-H looked fun and she had friends from school who told her about what they did in 4-H.
Taylor's first year in 4-H certainly took her for the ride of her life. "I never thought in my first year I'd be a grand champion," said Taylor. She came away with the Grand Champion Junior All-Around honor with her horse and Overall Swine Carcass Quality with her pig as well as a number of other champion and high-point rankings at the 2009 Phillips County Fair.
"It has been a fun learning experience and a very eventful first year," said Taylor's mom Patty.
Even though Taylor has been riding horses since age 4, a new aspect for her was learning horse showmanship. She went to 4-H clinics to learn how to show her horse Tarzan and said it ended up being pretty easy. Taylor noted she had to keep Tarzan's head up, help him stand correctly and "make him shine!" The clinics also taught her about how to be safe around horses.
Judges told Taylor they could tell she practiced a lot and had improved from her work at the clinics. Taylor said she practiced with her horse about one hour a day in the weeks leading up to the fair.
"You have to take time and work with it," said Taylor. "You can't just let your parents do it because you won't learn anything."
Besides showmanship, Taylor also got to compete in riding events at the Fair. As the only rider in the junior category, Taylor hopes other kids will catch some of her excitement and join the 4-H competition with their horses next year.
A new endeavor for Taylor was her swine project. Out of her four pigs—Princess, Porker, Persnickety and Curly—she showed three at the fair. One thing she learned is the judge wants to see the pig, so while showing she had to remember to stand in the correct spot to display her pig best.
Taylor didn't plan on entering the pet show this year, but because she had her dog Buster at the Fair on the day of the event, her dad convinced her to try it. To her surprise, she ended up with Grand Champion Overall and Best of Show in dog.
Taylor has learned a lot from simply watching various events at the Fair. In advice for others looking at getting involved in 4-H, she said, "Come to the Fair and watch to see what you could do."
Besides activities at the Fair in July, Taylor had to complete record books for her horse and swine projects. She had to keep track of what she fed them as well as what vaccinations and medicines her horse and pigs needed throughout the year.
4-H is more than just the annual county fair, and Taylor explained she got to attend monthly meetings with her club where she learned about 4-H requirements, played games and got to know other club members. Taylor also got to work in the Better Beef Makers' snow cone booth at the Fairgrounds.
In addition to showing horse in 4-H, Taylor also competes in barrel racing "just about every weekend." She loves to travel with Tarzan, going as far as Oklahoma City, Okla., Cañon City, Loveland and McCook, Neb.
Taylor explained her parents let her handle a lot of her own expenses. She has a checking account to pay for the barrel racing entry fees as well as pig feed for her 4-H project. She even bought her pig Princess and is learning how to save money from the livestock auction and gymkhana prizes. Taylor thinks it would be cool to eventually save enough to buy a new live-in trailor so she wouldn't have to get a hotel room when traveling with Tarzan.
4-H is not something new for the Hendrix family as Taylor's parents Loren and Patty participated in 4-H and FFA when they were young. Loren was involved in beef and horse in Phillips County while Patty competed in swine in Yuma County.
Patty said 4-H is a good experience for all young people, and it provides good developmental skills. Besides giving opportunities for kids to work with their peers, she said it's good for them to learn about livestock. They will soon learn whether they love it or hate it, she said.
Taylor is looking forward to her projects for next year, and said in the future she may even want to add beef to her swine and horse projects. When she's older, Taylor thinks it would be fun to use what she's learned in 4-H as a judge for some of the events.
Phillips County celebrates 4-H Week
Oct. 4-10 marks the annual national 4-H Week, and the organization is celebrating over 100 years of history. 4-H focuses on leadership, citizenship and life skills through fun, hands-on learning activities.
According to the 4-H website, studies show youth in 4-H do better in school, are more motivated to help others, feel safe to try new things, achieve a sense of self-esteem, develop lasting friendships and become confident, mature adults ready for success in today's challenging world.
Members age 8-18 can choose from over 1,000 projects including everything from livestock to photography to food and nutrition.
For more information about 4-H in Phillips County, contact the Extension office at 970-854-3616. Check out this week's edition of the Enterprise for more 4-H Week coverage.


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Camper is Living Out his Fantasy (Camp)
Tom Sell is finally getting to play with his Christmas present.
The 67-year-old Overland Park man is one of 72 campers attending the Royals 2007 Alumni Fantasy Camp in Surprise, Ariz. For Tom, the week-long camp is a Christmas present from his son, Steve, who decided to top the gift off by making it a father-son event. Although Tom unwrapped the gift in December, he's already admitting that the wait to "play" with it was totally worth it – and it's only the first day!
"It was the last Christmas present I opened and I can't imagine a better one," Tom says. "When he handed me this scrapbook of all these great baseball-related memories we had had together, I was already getting emotional. Then, when I got to that last page of the booklet and saw that we were going to the Fantasy Camp together, it just blew me away."
As long-time season ticket holders, the Sell family has witnessed several monumental Royals events, including the park's first Opening Day, George Brett's first and last games in a uniform and even a trip to Cooperstown in 1999 when Brett was inducted. However, attending Fantasy Camp with many of his baseball heroes is topping his list of dreams come true.
"We have a lot of great memories with the Royals and now, this just adds to that. I always thought it'd be neat to go to the Fantasy Camp, but never thought I'd actually do it. I kind of thought I might be getting too old, but I guess Steve didn't think so. Now that we are down here, I'm glad he didn't!"
The campers arrived in Surprise on Sunday and immediately attended a Super Bowl party that included getting to know their famous coaches. As great as that was, Tom said he wasn't prepared for how awesome walking into that clubhouse Monday morning was going to be.
"I haven't suited up in a baseball uniform since high school when I used to play catcher," Tom adds. "So, walking into that clubhouse today and seeing that uniform at my locker, well, there is nothing like it. It's all pretty overwhelming actually. Without sounding too corny, I feel like I'm in a fantasy."
The morning was spent with workouts, instruction and batting practice, all part of what Tom referred to as "limbering up."
"I'm not sure how good I'm going to be or if my sore back is going to make it or not, but I am already enjoying every minute of this!"
Like many of the campers, Tom is just trying to soak up every moment. He's looking forward to jumping in a game, even putting on the catcher's gear and seeing what happens. But, another goal he and his son have is a little more specific to the Sell family. Nine Christmas' ago, Steve welcomed a son, conveniently, but not coincidentally, named George, into the family.
"We are going to try and get George (Brett) to call Steve's son, George, sometime this week. It'll be a great surprise for our George."
Just another Royals moment to add to the Sell family scrapbook!
2 Comments
Hey Tom………go for the greatest gift of all….playing baseball with your son and the Royals!!!!
When you get home let's get together to hear all the fun you and Steve had together. Wow, what a great gift!
Love, Betts and Pete
to the Sells;
Congrats to all of you for giving a dad the greatest present i could ever think of.
john d


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Nature crafted Foxtail Millet to provide a bit of a foraging challenge for your bird. Millet seeds are surrounded by tiny fibers, requiring your bird to work just a little harder to retrieve the tasty millet reward. Grown, sun-ripened, and harvested in the USA, FM Brown's Natural Foxtail Millet Spray Foraging Treat adds a truly entertaining (and rewarding!) challenge to your bird's day. While ideal for medium-sized birds such as cockatiels, Natural Foxtail Millet Spray Foraging Treat also satisfies canaries, finches, parakeets, and other smaller pet birds.
Protein-rich Natural Foxtail Millet Spray Foraging Treat makes a great treat, snack, or reward. It also helps stimulate your bird's natural foraging instinct - ideal for placement in foraging toys. Natural Foxtail Millet Spray Foraging Treat contains no preservatives, artificial colors, and flavors. 1.5 oz resealable package contains approx 20 - 11" sprigs and includes a hanging clip. For best results, hang a spray by a clip or insert in a holder near a perch. Grain size varies.
Millet is high in protein, low in fat, high in fiber, and high in vitamins and minerals. Millet is also rich in phosphorus, calcium, iron, niacin, and riboflavin.
Shop all millet.
Please click on "More Information" for feeding directions and nutritional information.


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Things to see and do - Hartford
Leaving for USA
Hartford :
Unmissable tourist sites
Where to sleep?
Hartford Hotel tips
Radisson Hotel Hartford from108 $Book
Red Roof Plus+ Hartford Downtown from100 $Book
Residence Inn by Marriott Hartford Downtown from159 $Book
Hartford Travel guide
Hartford : Michelin's recommendations
Rising beside the Connecticut River, Connecticut's state capitol bears the nickname "Insurance Capital of the Nation", thanks to the fact that the headquarters of several major insurance companies are located here. The downtown, revitalized during the past few decades, features spanking new shopping and business complexes, notably Constitution Plaza and the Civic Center. Beloved American author Mark Twain lived and worked in Hartford in the 19C; you can visit the house where he wrote several of his most successful works. Also well worth exploring is the excellent Wadsworth Athenaeum Museum of Art.
Tourist attractions Hartford : Things to see and do
Wadsworth Atheneum Museum of Art
600 Main St USA - Hartford, CT 06103
Founded in 1842, this formidable museum ranks among the first art museums in the US. The initial collection consisted of landscapes by such artists as John Trumbull, Frederic Church and Thomas Cole. The museum today boasts some 45,000 works spanning ..
Mark Twain House
351 Farmington Ave USA - Hartford, CT 06105
A memorial to the well-known author, this delightful house was one of the comfortable Victorian dwellings that stood on Nook Farm. In the 19C a community of writers lived in this pastoral setting, including Mark Twain and Harriet Beecher Stowe, whose..
Old State House
800 Main St. USA - Hartford, CT 06103
This elegant Federal-style building (1792) with its graceful staircases, arches, balustrades and classical pediments was designed by Charles Bulfinch, the architect of the state houses of Maine and Massachusetts. Second-floor legislative chambers con..
Hotels Hartford
Radisson Hotel Hartford
50 Morgan Street USA - Hartford CT 06103
Near the intersection of Interstates 84 and 91 and the Connecticut Convention Center, this hotel in Hartford offers free Wi-Fi. Modern rooms feature plush bedding and a work desk. Tea and coffee making facilities are also included at the Radisson Ho..
Hartford Marriott Downtown
200 Columbus Boulevard USA - Hartford CT 06103
Prix Prices from : 119 $
Hartford Marriott Downtown is situated opposite the Connecticut Convention Centre and is 0.7 miles from the XL Centre. It features an indoor swimming pool and free WiFi in public areas. All rooms are equipped with air conditioning, hot drink facilit..
Residence Inn by Marriott Hartford Downtown
942 Main Street USA - Hartford CT 06103
Just minutes from the Connecticut Convention Center, this hotel offers a free shuttle service within a 5-mile radius. It features a 24-hour convenience store and complimentary grocery shopping services. All accommodation at Residence Inn Hartford Do..


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I'm currently planning a migration from a Postfix+Cyrus server to Zimbra (ZCS 8 NE). In our current setup we have a special user called mailrelay which can authenticate to Postfix in order to send mail, but which does not have a mailbox in Cyrus. This mailrelay user is used by other machines to send mail from Cron jobs und similar tasks through our mail server.
Is it possible to create a similar send-only user in Zimbra? In particular, I'd like for this user to not have a mailbox, so that no one can (accidentally or otherwise) send mail to this user. Also, I'd prefer if this could be done such that it doesn't use up a license.


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I'm new user with Campaign Cartographer, and i confused with the "pick a pre-defined template" option.
When i chose this option on making a new work, it's show me some size of map and preview, but i can't click or choise anything, i just click random but nothing hapen.
Wondering, am i need to unlock it or something ?


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Skip to Content
If you are seeking a world-class educational experience within a vibrant, Christ-centered learning community, Cedarville is the place for you. Step up to the challenge of our arts, sciences, professional and graduate programs, and achieve more than you ever imagined. Be challenged and transformed by professors who are experts in their fields and invest their lives at Cedarville to mentor and guide students like you.
Help Update and Expand the Jeremiah Chapel
Biblical Heritage Gallery: bringing people in touch with the history, preservation, and influence of God's Word.
Through the use of university collections and visiting exhibits, the focus of the gallery is on the Scriptures -- their production, preservation, and distribution, and on the many godly heroes who gave their energies and sometimes their lives to assure access to God's Word by all.
Most of the exhibits are in place for a full 16- week semester (fall, spring, summer) and the Gallery may be visited any time that the Center for Biblical and Theological Studies is open. The hours during the summer months are more limited.
January 2016 - June 2016
With the coming of the Protestant Reformation, the 15th and 16th centuries were religiously tumultuous in England and Europe with some of the struggle focusing on whether it was appropriate or not for the Scriptures to be made available in the common language for all to read. This conflict was most evident in England where in significant periods of the 16th century under the Roman Catholic Church, it was illegal to translate the Scriptures into the English language from Latin. There were times when it was illegal to read those illegal translations in public–or to own one. There were times when people were martyred for doing both. This exhibit of early printed English Bibles is intended to tell that story and recognize those who gave up comfort, safety, living in their own country, and in some cases their lives, to make sure that everyone would have the privilege of reading the Bible in their own language.
July 2015 - December 2015
For centuries, prior to the invention of printing in the Western world, the text of the Bible was preserved in manuscript form. From the hand-copied manuscripts of the post New Testament and Medieval periods to the hand-copied Bibles of the early Reformation period, the text of Scripture was preserved by God to assure that the Words of God--his plan, principles, and purposes--would be accessible to man created in His image. This exhibit presents examples of manuscript portions of the Bible from the 4th to the 15th centuries, leading in 1455 to the production of the first printed Bible, the remarkable Gutenberg Bible, seen in the exhibit in facsimile form. Following that momentous event, the printed Bible could be distributed to the masses.
January 2015 - June 2015
The King James Version of the Bible was not the first English language translation of the Scriptures, but the culmination of extensive translation activity in the 1500's, including the likes of the Tyndale Bible, the Great Bible, the Geneva Bible, and the Bishops' Bible. In 1604, King James came to power unifying a divided England. In order to settle disagreements over reforms in the Church of England, he authorized a new translation of the Scriptures building on the previous English Bible translation work and using the best Hebrew, Greek, and Latin texts and manuscripts available. The work, undertaken by a total of 54 scholars, was completed and the first edition published in 1611. Since the mid-17th century, the King James Bible has been the Bible of the English-speaking church. Even though more recent modern translations have in popularity, the KJV stills stands as the masterpiece of the English language. Over four hundred years after its first printing, the King James Bible continues to have worldwide influence, retaining its place as the most influential book and Bible ever published. The exhibit includes a collection of rare King James Bible editions from the 17th and 18th centuries, the earliest from 1613, pages from the first edition, and other rare English language Bibles which were forerunners of the King James version.
July 2014 - December 2014
The Protestant Reformation, a movement to the Scriptures as the primary rule of life and practice - Sola Scriptura, was a reaction against the teachings, corruption, and abuses of the Roman Catholic church in the 14th to 17th centuries. While the movement initially was an attempt to reform the Catholic Church, the failure of those attempts led to a departure from that church and the founding of what today has become a number of protestant denominations. This exhibit highlights the works and ministry of some of the early key figures in the Reformation movement across Europe, displaying some of their original Bible translation and theological works. Theologians represented are John Wycliffe, Erasmus Desiderius, Martin Luther, Philipp Melancthon, William Tyndale, and a special emphasis on John Calvin.
January 2014 - June 2014
For centuries, those who composed music for the church were arguably the major influencers on the development of music in the western world. At other times, the culture of music in vogue was adopted by the church and integrated into worship elements. Church music has generally been based on singing, written for individuals and choirs to express the words of Scripture and the experience of faith as encouraged by the words of Bible, "Speaking to yourselves in psalms and hymns and spiritual songs, singing and making melody in your heart to the Lord." (Ephesians 5:19)
From the early, simple monophonic chants sung by the clergy and monks alone, to the complex polyphony of the Renaissance sung by choirs, to the vibrant congregational singing inspired by the Reformation and the revivals, to the simple singing of the Psalms without instruments in the settlements of the New World, music has continued to lead God's people in personal and corporate worship experiences. This exhibit provides selected examples of church music starting with the plainsong of the Middle Ages on through the development of Gospel hymns in the 19th century. In addition to the main exhibit, a supplemental exhibit is available on sacred music shape-note singing.
July 2013 - December 2013
True to the motto of the United States, One Nation Under God, this exhibit highlights our country's biblical heritage. The exhibit begins with the first Bible brought to America by the Puritans and Pilgrims, moves on to the first Bible printed in America and those that followed in the Colonies, and then to the rapid expansion in the 19th century of the printing and distribution of the Bible driven by the desire of many individuals, churches, and societies to provide and share the principles and message of God's Word.


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JASON KEYSER, Associated Press
JOLIET, IL (AP) - An Amtrak passenger train has reached a speed of 110 mph for the first time in Illinois.
The train reached the speed Friday morning in a modest milestone for President Barack Obama's high-speed rail vision. The five-car, two-locomotive train zipped through the central Illinois countryside, hitting its high speed between the towns of Dwight and Pontiac.
Gov. Pat Quinn and Transportation Secretary Ray LaHood were among the officials aboard who watched the speed increase on a special video monitor. The governor pumped his fist in the air and gave a thumbs-up when it reached 110 mph. Other officials cheered and clapped.
The 30-mph increase from the route's current top speed is a morale booster for advocates of high-speed rail. But some rail experts question whether the route will become profitable.
(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)
Associated Press


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Let Them Eat Cake: As Hostess Workers Get Hurt, Bakery Union Bosses (& Their Kids) Do Well
Eighteen thousand Americans are now without jobs to put bread on their tables (pun intended). Yet, Frank Hurt will not be hurt in the least by the strike he led his members into taking, or the resulting unemployment of both his members, as well as other Hostess employees. Read More »


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Cowboys and Aliens (2011)
Cowboys and Aliens Synopsis
Blockbuster filmmaker Jon Favreau directs Daniel Craig and Harrison Ford in an event film for summer 2011 that crosses the classic Western with the alien-invasion movie in a blazingly original way: Cowboys & Aliens. Joined by an arsenal of top moviemakers--Steven Spielberg, Ron Howard, Brian Grazer, Alex Kurtzman and Roberto Orci--he brings an all-new action thriller that will take audiences into the Old West, where a lone cowboy leads an uprising against a terror from beyond our world.
1873. Arizona Territory. A stranger (Craig) with no memory of his past stumbles into the hard desert town of Absolution. The only hint to his history is a mysterious shackle that encircles one wrist. What he discovers is that the people of Absolution don't welcome strangers, and nobody makes a move on its streets unless ordered to do so by the iron--fisted Colonel Dolarhyde (Ford). It's a town that lives in fear.
But Absolution is about to experience fear it can scarcely comprehend as the desolate city is attacked by marauders from the sky. Screaming down with breathtaking velocity and blinding lights to abduct the helpless one by one, these monsters challenge everything the residents have ever known.
Now, the stranger they rejected is their only hope for salvation. As this gunslinger slowly starts to remember who he is and where he's been, he realizes he holds a secret that could give the town a fighting chance against the alien force. With the help of the elusive traveler Ella (Olivia Wilde), he pulls together a posse comprised of former opponents--townsfolk, Dolarhyde and his boys, outlaws and Apache warriors--all in danger of annihilation. United against a common enemy, they will prepare for an epic showdown for survival.
Cowboys and Aliens Release Date
In Theaters July 29, 2011
Cowboys and Aliens Credits
Starring: Daniel Craig, Harrison Ford, Olivia Wilde, Sam Rockwell, Wes Studi, Clancy Brown, Paul Dano, Noah Ringer, Keith Carradine
Written by: Alex Kurtzman & Roberto Orci, Damon Lindelof
Directed by: Jon Favreau
Produced by: Brian Grazer, Ron Howard, Alex Kurtzman, Roberto Orci, Scott Mitchell Rosenberg
Distributor: DreamWorks SKG, Universal Pictures
External Info: Cowboys and Aliens Official Website
Subscribe To Cowboys and Aliens Updates
if you're excited for Cowboys and Aliens


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NJ lawmakers get firsthand look at storm damage
SEASIDE HEIGHTS, N.J. (AP) — New Jersey lawmakers got a firsthand look Thursday at storm-wrecked coastal towns from Seaside Heights to Mantoloking that remain uninhabitable a month after Superstorm Sandy, as they heard from local officials about what it will take for the most severely damaged towns to recover.
The Assembly lawmakers asked to see the damage up close as they set to work on rebuilding and storm protection issues.
Gov. Chris Christie has requested $36.8 billion in federal storm aid for New Jersey. But mayors said they will face other, sometimes daunting costs.
They'll be left to shoulder whatever portion of cleanup costs that the Federal Emergency Management Agency doesn't reimburse. As of now, one said overtime costs are running 10 times above normal. They'll also have to make up for lost property tax revenue from homes that have been destroyed or damaged and businesses that won't reopen, perhaps by raising taxes for those who remain. And, if next summer's tourism season is abbreviated or slowed, they'll also lose the revenue that comes from vacationers. The state's budget will also be impacted by the lost revenue.
"We face significant fiscal challenges," said Assemblywoman Caroline Casagrande, who represents parts of Monmouth County. For example, she said, the state will now be asked to assist shore towns that had been revenue producers for New Jersey.
"I don't know where the money's going to come from," Point Pleasant Beach Mayor Vincent Barnella told the lawmakers. He said it will cost $4 million to replace the boardwalk decking and supports taken out by the storm, a job he'd like to see completed by Memorial Day. "But that's a big price tag for 5,000 people."
He said the municipal building sustained $9.3 million in damage, three-quarters of his town's total yearly operating budget.
What the Assembly members saw shocked some — houses ripped off their foundations and knocked sideways, or into one another, boats strewn on lawns and a temporary sand road where Route 35 used to be. Speaker Sheila Oliver was brought to tears by the decimated amusement pier on the Seaside Heights boardwalk.
The lawmakers, who spent the day touring the shore by bus, heard a chorus of local officials say their municipal budgets have been shot by the storm.
Lavallette Mayor Walter La Cicero said his town needs more time to repay $4 million it's been forced to borrow for emergency road repairs and to replace police headquarters, which was destroyed.
The mayor told Assembly Budget Chairman Vincent Prieto that five years isn't enough time to pay back the money; he's hoping for legislation to extend the repayment period to 20 years.
For Seaside Heights, the property tax hit to surviving residences could be significant. Mayor Bill Akers said three-quarters of the town's budget comes from tourism. The damage estimate for the boardwalk's amusement pier is $45 million; some missing boards have already been replaced.
In heavily damaged Ortley Beach, where streets are piled high with discarded mattresses, furniture, appliances, insulation and debris, roads have been swept of sand and sink holes filled in.
"It's one month later and let me tell you it looks a million times better," said Toms River police Chief Michael Mastronardy, as he stood outside the demolished Surf Club.
Some officials came to the lawmakers with ideas for helping raise money for their towns.
One suggested a 2 percent fee added to all alcoholic beverages sold in the town.
"No one orders a Dewers and soda and asks, 'How much is it?' first," he said. "No one notices."
Another suggested a tax on parking.
A third asked that the state certify mold inspectors just like it certifies termite inspectors, so homeowners who remediate for mold would have some protection.
Oliver said the state's response would depend in part on how much money the federal government commits to the recovery. But she said the Legislature may consider tax credits to homeowners facing certain repairs, like hooking up to newly installed gas lines.
The Assembly plans to hold hearings next week on insurance claims, following complaints that some insurers have been slow to respond to storm claims.


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Last edited by Chimchar15; 23rd September 2010 at 12:27 PM.
Araragi will let Ash keep Miju knowing that it has grown attached to Ash. As for Jessie's new poke'mon to beat Mampeto, there could be a reasonable explanation that it just battled Pikachu and was tired, and besides Ah hasn't even started training it.
Everything is falling down to it's place with my theories except that I didn't see Miju stalking Ash at all but it's really cool.
Well I admit TR is getting cool, but I don't like they reset Ash as well along with Pikachu(failing to catch a wild poke'mon like that).You have to admit that's a step up from like the last 11 or so years. The last time they felt this cool was back when they were introduced 12 years ago.
1. Ash randomly throws a pokeball at a pokemon without properly thinking
2. Ash gets scolded for such a newb action
3. Ash catches a pokemon
4. Team Rocket attacks and Ash sends out a pokemon who has just battled
5. Ash loses until a last ditch effort
The only difference is that Caterpie was already Ash's, and that Mijumaru is going to be..
I really like the attacks used by Mamepato, it looked like some version of X-scissor. I completely missed Koromori's fight since Keyhole froze..
Answer to all the bad things in the world: Give up on trying to make everything better. Hence, accepting it for what it is. YOLO! <- Click the link and daw.. -.-
Well what else does Iris do in this episode? And does it feature Shooti too, considering it is a continuation of the last episode.
I can't find any connection between the new clothes, and TR's old poke'mon.
Iris was drawn to the area were Ash was due to Zekrom's activity. Her being a Dragon type gymleader in the games probably has something to do with this.. Ash and Iris had a little talk in the middle until he was sparked by a Shikijika that he wanted to catch.
Shooti wasn't really in it, but he was in the recap.
Answer to all the bad things in the world: Give up on trying to make everything better. Hence, accepting it for what it is. YOLO! <- Click the link and daw.. -.-
Haha, Kibago was in the hair so the thing actually scanned Kibago instead of the hair atleast thats what i got from it.
Youtube Channel: https://www.youtube.com/channel/UCIV...iwVdSiQ/videos
will serebii be doing episode pics for this?
So it really is up to the trainer to figure out what the Pokedex is talking about.
Youtube Channel: https://www.youtube.com/channel/UCIV...iwVdSiQ/videos
That's what Ash though: Hmmm.. The pokedex says it's a pokemon.. Here I go!! Darn it's not a pokemon.. Oh wait.. there's the pokemon..
Surprised he wasn't totally shocked when something showed its head from out of somebodies hair. Yeah, Ash said: 'Oowww Kibago!', but if a living thing popped out of the hair of somebody I was talking to I would jump two feet back! xD
Answer to all the bad things in the world: Give up on trying to make everything better. Hence, accepting it for what it is. YOLO! <- Click the link and daw.. -.-
Okay, I just saw the episode, and I have to say I absolutely loved it, I mean more than I loved 80% of DP. Best Wishes is off to an amazing start, and I can't see anything wrong with it at all so far. The music is amazing and goes with whats going on really well. I find Iris as likable as Dawn was and Mijumaru is absolutely adorable.
10/10 Best wishes. 10/10.
*~Openly Gay and Proud~*
@Gregurru would you mind if you leave me a message on where you watched it?
The video quality was horrible, couldn't really tell what was happening(Strange enough the other episode was perfect and was done by the same user...).
What I can make of this episode is that Ash gets Mamepato, and Mijumaru is following Ash soon to be caught.
Jessie has Koromori.
Ash meets Iris and Kibago.
It looks like a good episode, hopefully better quality comes out soon so I can watch it fully.
3DS Friend Code: 3153-4608-8374
Friend Safari: Steel(Ferroseed, Forretress, and Bronzong)
I think Ash sort of had the "Well, it doesn't look like Kibago, but it's worth a shot" mentality when he threw the ball at Iris...
No, I'm not giving anyone credit for my team pose because I made it myself.
this may be a reboot of the series but you have to admit that the writers are borrowing ideas from past sagas. Pikachu's electric problem and having to be tested in a lab is AG material. Ash's noob catch of the deer is Pidgeotto material. The Mamepato flock attacking Ash and Pikachu after a member in its group is attacked is Spearow material. Team Rocket actually made to look like cool villians is easily compared to their first three appearances in the original saga.
But this show is made to please little kiddies so I don't really mind.
On Nov 21, 2010, I'm going on vacation. I'm going to a country to visit two friends and a grumpy oldtimer who are awaiting my return.


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Click, Click, Click. And Repeat.
26/09/2010 08:13 by Amsterdamize
Nearly nothing beats going around town running errands & meeting up with people at a relaxed pace, with all the time on your hand to stop, observe and click away.
Click, click, click, click. And repeat
Overtaking can be torturous.
Couples stick together.
Families on the move.
A little help.
Maarten took some action shots of me taking bike action shots, for a feature (interview) in the Cyclists Union magazine
'Vogelvrije Vrije Fietser
' with little ol' me, which will appear in the Oct/Nov issue.
Take your time.
Residential cycling & parking.
Beach cruiser a la Hollandaise.
Some think it's quite warm...
While others basically think winter has arrived.
Gotta have a hobby.
It's green.
The abundance of the sun.
'This tram is powered by green electricity'.
The Palace.
Cross talk.
Alert: man with hat & wind beneath your hair.
Rembrandt Corner.
Green Miles.
Mr Cool & Mrs Doubt.
I think he's happy with his new bike.
Mr. Hipster.
She's my personal favorite Flower Lady
& even locals appreciate her bike when she parks it.
Ride along with dad.
Eye contact & a 'hi' soon after.
Second opinion & chit/chat.
Nice light.
The Headshop & Reach Out.
A Dutch circus act & sunny sms.
Nice fella, that was meant for me.
Amsterdammers DO hand signals & autumn chic colors.
And back in the Red Light District, this fella's bike nicely matches the backdrop. Which is silly to say, as they all do in Amsterdam.
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Amsterdamize offers a range of consultancy services which help you develop effective urban mobility strategies and execute inspiring promotional campaigns.
website by mr mister
Office: +31 20 845 18 94
Cell: +31 6 431 00 747
With love, from the certified
Bicycle Capital of the World


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See the top 20 most helpful scuba gear reviews
Average Customer Review: based on 7 reviews.Rating: Great Buy
how can I decide between the blunt tip and the sharp tip? most of my diving happens in the Monterey California area or out in the tropics like Hawaii, Dominican republic or mexico areas.
This dive knife is made from 420 series stainless steel and is available in either a sharp drop point or a blunt tip style. The knife features a 5 inch blade with an overall length of 9 ½-Inch. The one piece blade and tang makes complete disassembly and cleaning particularly easy. The metal top cap functions as a ''tank banger'', while the serrated top edge and built-in line cutter make the knife very versatile. A lanyard hole is built-in to the comfortable handle and the knife includes rubber leg straps.


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May 09 2012
"Aging in Place" and How to Do It in Your Home
One of today's growing and popular living trends for seniors, retirees and baby boomers is aging in place or preparing to age in place. This senior living trend allows people to grow old in a comfortable and safe environment they are familiar with instead of moving in with family members or heading to a nursing home. There are many ways to assess your current living environment and prepare for a time when you might need a little assistance or services to allow you to live independently in your home. When assessing your current living environment, it is necessary to examine all the major areas of your home including bedrooms, bathrooms, entries and even the yard. It is also pertinent that you take a look at the surrounding community and see what facilities, services and thoughtful extras it may offer that will allow you to live on your own for as long as possible. Below are some tips from The House Plan Shop to help you create a plan for aging in place.
· Install good lighting. Proper lighting is necessary in all living spaces and surrounding outdoor areas including bedrooms, bathrooms, closets, gathering spaces, kitchen, laundry room, hallways, stairways, porches, garage, sidewalks, and the driveway. Proper lighting is necessary if you wish to avoid accidents such as tripping and falling.
· Consider adding a garage lift. A garage lift helps those who use wheelchairs gain access to the home from inside the garage where one or more steps are necessary to enter the home.
· Assess porches. Make sure all porches (front, back and any side porches) have a safe, non-slippery surface. Add rails and/or ramps where necessary for easy and safe access.
· Inspect and upgrade your entry. The entry to your home is your doorway to the rest of the world. It should be convenient and safe to use no matter the time of day, what the weather may be, or what your physical ability or condition may be. A barrier-free entry makes it easy to gain access to the home whether walking through the door unassisted, using a wheelchair, crutches, or the like. No step entries have no steps from the driveway to the walkway to the front door, and they have very little slope, if any, easily accommodating someone using a wheelchair or who has trouble climbing steps. If your home has steps, consider replacing them with a ramp.
· Check your thresholds. Remove thresholds from entries and rooms that are divided by a threshold to eliminate tripping hazards.
· Modify your kitchen. Ensure there is ample space to maneuver. This may mean removing a few cabinets, a snack bar, or even an island sometime in the future. Consider varying heights of countertops. Lower countertops work well for rolling right up to the counter in a wheelchair, but require leg space underneath. (This can also be done with cooking surfaces and the sink. Allow knee clearance for the sink.) Taller countertops, such as bar height, allow you to stand at the counter and chop veggies, etc., without bending forward the slightest bit, ideal for those with back problems. Mount a microwave or wall oven at a reachable height instead of high over the counter top or stove. Add a raised dishwasher that allows you to load and unload dishes without stooping over.
· Make adjustments in the bedroom. Be sure there is ample maneuvering space. This may require a different furniture arrangement, but more space to move eliminates tripping and other accidents. Also, build a walk-in closet or remodel the one you have. Be sure to add storage at different heights making things easy to access no matter what your condition or ability.
· Survey the great room. Make sure the furniture arrangement allows for maximum maneuverability. Remove area rugs that create varied heights on the walking surface eliminating tripping hazards. Also, be sure lamp cords are tucked away so you don't trip on them. If you store magazines in a basket on the floor, consider putting it in a place that does not hinder traffic such as under an end table.
· Modify the bathroom. Hire a professional to remodel your bathroom. Make sure there is plenty of room to maneuver. Install a roll-in/walk-in shower with multiple showerheads at adjustable heights. Install and elevated toilet. Add grab bars by each bathroom facility (sink, shower, toilet). Lower the bathroom sink and allow knee space below so you can add a bench to sit on if necessary or roll up to the sink with a wheelchair.
· Consider your gardening hobby. If you enjoy maintaining a vegetable or flower garden, you might consider raising your beds. Raised garden beds reduce stress and fatigue of bending over for long periods of time allowing you to enjoy your gardening hobby without physical stress for years to come.
· Learn about community services. Find out if your local community offers a transportation service such as a van or small bus to take residents to the bank, grocery store, doctor appointments, social activities, etc., in the event you are no longer able to drive.
· Drive around the neighborhood and pay attention to sidewalks and street crossings. Are they safe for wheel chairs or scooters? One day you may find you need to rely on one of these to get around the neighborhood, and safe sidewalks and street crossings will be necessary.
· Assess your finances. If you are set financially, make arrangements or set aside some money for home health services, cleaning and/or laundry services, should you find you need them one day.


text: I have been using Zimbra FOSS for several years and always found it to be a nice looking interface. Testing 8.0.1 and this very drab, plain, grey color is very disappointing. The themes do not really address this as they typically just recolor some of the borders and headings. The actual icons down the side of the windows are still drab grey. I think this style of minimalist look will put people off this product, there is a fine line between gaudy and dreary, which Zimbra trod very well in the past. Now it is just corporate bland and very unappealing.


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I am brand new to zimbra. I am currently running Scalix for about 5 users and am evaluating zimbra as an alternative solution to migrate to.
I tried setting up the vmware appliance but keep getting the following error every time I try to go to the Zimbra Administration page.
Problem accessing /service/preauth. Reason:
account is in maintenance mode
Powered by Jetty://
I searched the forums and tried zmprov in the CL set all accounts to active but it returned command not found. All services are started according to the status page. Again, this is a brand new setup. I set up the hostname, IP information and admin e-mail but I have not been able to get to the Zimbra Administration page at all to set anything else up. Any assistance would be appreciated.
Thank you.


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i couldnt find anything on there website looked in the news section too maybe they'll post it up
Does anyone know if it was also posted on the McMillan website, and it so can you share the link.
Last edited by Umpqua Hunter; 04-21-2012 at 12:28 PM.
i couldnt find anything on there website looked in the news section too maybe they'll post it up
The wife and I, and her boss and his company, also dumped b of a about 2 years ago. I dont support illegals, their lifestyle, and anybody that supports them, therefore we dumped them. I tell everybody about my stances on these issues. Dump B of A, Levi Strauss, and whoever else pizzes on our constitution!
Wow I'm surprised it's not on the National news. I'm with a credit union but have been considering moving my business account to BoA. Not going to happen now.
I use a credit union but my dad uses B of A. I will be informing him of this in the morning. I will make sure he lets B of A know why he closes his accounts. What a bunch of scum bags.
A bad day in the woods is better than a good day at work.
Shoot the best, Shoot PSE!
Many, many years ago I was with B of A and got ticked at them over their policies. Dumped them and never looked back!
Colorado Cowboy
Cowboy Action Shooter; Endowment Life Member-NRA
The Original Rocket Scientist-Retired
"My Father always considered a walk in the mountains as the equivalent of church going."
Aldous Huxley
I'm not surprised they are anti hunting. A little shocked because they are vultures that suck the life out of you.
Bone Trail Posse
Personally I think that Bank of America shouldn' really be all that invested in what its clients do, unless it is illegal, but 2nd amendment right or not, they have the right to choose with whom they do business.


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Volleyball Men Earn CVC Academic Honors
Four men from the EMU men's volleyball team have been named to the 2013 CVC Academic All-Conference. A total of 28 student-athletes from six of the Continental Volleyball Conference's teams earned recognition. The Royals had three players named to the team in 2012. In order to attain Academic All-Conference a student-athlete must maintain a cumulative grade-point average of 3 ...More


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'Holes in our national trust'
Campaign 2010 | As disappointment with government grows, once-safe Democratic seats turn precarious in the campaign's final days
"'Holes in our national trust'" Continued...
LEWISTON, Idaho; OLYMPIA, Wash.; SEATTLE and SOUTH DAKOTA-When people plan coast-to-coast trips, it's usually to visit the nation's sights. But my recent trek from Washington, D.C., to Washington state for WORLD was more about seeing our nation's people.
I met a diverse America during my zigzagging, 4,225 mile, 10-day drive: doctors and engineers; Rotary club presidents and pastors; bankers and accountants; educators and real estate agents; owners of sheet metal plants, funeral homes, and restaurants. Still I could not resist one sightseeing detour: Mount Rushmore.
I was not alone in being drawn to this South Dakota landmark. Thousands of bikers, decked out in every manner of patriotic garb from red, white, and blue bandanas to American flag tattoos, had come to pay their respects on their way to one of the nation's biggest motorcycle rallies.
Mount Rushmore's granite-sculptured rendering of four of the nation's most recognizable faces offers an irresistible place for reflection. And the roar of hundreds of revved-up Harley-Davidsons didn't quiet the riders: They were eager to unleash their frustrations over the country's political present. "Those are our fathers, and we've lost it," said David Simmons, 60, of Vancouver, Wash., pointing at the faces of Washington, Jefferson, Teddy Roosevelt, and Lincoln. "It almost makes you sad, to tell you the truth. You think about our forefathers and what they did to get us here. We are now going the other way."
This disappointment echoed comments I heard thousands of miles earlier in Dover, Ohio. There Charles Deeds, 76, told me that the government has "created some holes in our national trust." Politicians and citizens no longer "understand what makes America different. Maybe it is a result of too much success."
They also foreshadowed what I would hear at my next stop in Montana. Charles McMurrey, who works for a nonprofit community development project in Billings, bemoaned the loss of the American dream that says hard work pays off: "It's what sets America apart. If we are looking at government for the answers, it is just an expensive band-aid. It is taking us down a path we can't recover from."
Those opinions came from a Democrat, a Republican, and an independent. They may reflect a diversity of political ideology, but they show a unity of belief that the nation is going in the wrong direction.
Throughout my trek across the United States, I heard the same thing-concerns about spending and living beyond our means, too much government, and not enough common sense. This is the voter mindset confronting current and aspiring politicians everywhere during their final campaign lap. In a few short weeks all the volatile ingredients of this election season-tea parties, Obamacare, federal bailouts, chronic joblessness, federal debt-will come together at the voting booth. The final two stops of my American journey show why this season, perhaps like any other midterm election in memory, is engaging new kinds of candidates, and old voters in new ways.
The last time Bobby Fuller got involved in politics he was running for president of the ninth grade.
Fuller, 39, has spent the past decade as a parole officer in the juvenile justice system. Reforming wayward youth didn't leave Fuller with enough energy to follow the latest legislative debate. "I'd rather watch shark week than CNN," he admitted.
But last March, Fuller, yearning for the freedom of being his own boss, poured $200,000 of his retirement savings into buying and remodeling the Cedars Inn in downtown Lewiston, Idaho. Fulfilling this dream has forced Fuller to look at how the decisions being made at a Congress located more than 2,500 miles away could affect his 62-room hotel.
He is already learning how federal regulations can be as difficult to understand as a teenager in detention. Fuller hired a staff of six and has plans to hire more workers and buy another hotel. But Fuller is having trouble securing a bank loan. Reluctant banks navigating their own tighter regulations are stonewalling small businesses like his.
"To be honest, the people it's hurting the most are those looking for jobs," Fuller said. "At least two times a day I have someone coming in looking for work. It is not like I want the money to build a pool in my backyard."
Fuller's lesson in government's reach has led him to join the local Chamber of Commerce. One suspects his political education is just beginning: "There is so much stuff going on. It is overwhelming. I don't know what to keep track of, what to listen to, what's true, what's false, what to get involved with. You don't know who these people are making these decisions."
Fuller has picked a great city for a hotel: Lewiston, located beside the 1,000-mile long Snake River, is a hunter and fisher's paradise. Outdoor Life magazine last year ranked Lewiston as the nation's top town for anglers.
The city of more than 31,000 residents is, like the rest of the state, a conservative stronghold that prefers a hands-off government. Across town from Fuller's inn, School Superintendent Joy Rapp is worried about another form of government intervention. As head of the city's Independent School District No. 1, Rapp oversees 4,900 students in 11 schools. She knows that the new Congress will have to reexamine the No Child Left Behind education act.
"I think it has been intrusive," Rapp told me. "They have us doing things that make no sense and consume a large amount of resources."
Rapp said the law has very little flexibility for rural states like Idaho. Instead it tries to impose a one-size-fits-all model that tends to favor big city districts. "What creates passion in your job is not doing what other people tell you to do," Rapp said.
With these kinds of government views in Lewiston, one would expect that the area's congressional district is safely in Republican hands. After all, John McCain won the state handily over Barack Obama in 2008. The state's 1st Congressional District would seem to be a shoo-in to become one of the 39 seats Republicans need to win control of the House.
But not only is the district's incumbent a Democrat, he has enjoyed a comfortable lead for much of this campaign season. Rep. Walt Minnick's likely survival serves as a warning against the current election narrative that the GOP takeover of Congress is a foregone conclusion.
By less than 5,000 votes, Minnick in 2008 became the first Democrat to win an Idaho congressional election in 16 years. During a difficult season for both incumbents and his party, Minnick, 68, has maintained a steady double-digit poll lead.
How? By acting like a Republican.
Minnick, who once worked for Republican President Richard Nixon's administration, has voted against his party more than any other Democrat.
The fiscal conservative opposed the $787 billion stimulus package and the climate-change bill. He voted against the healthcare overhaul-twice. He introduced legislation to ban all earmarks and is a key backer of a constitutional amendment to balance the budget.
Minnick even became the first and only Democrat to receive a Tea Party Express endorsement last spring.
This voting record leaves Republican challenger Raul Labrador with few soft spots to hammer. His task becomes even more difficult when considering that Minnick has enjoyed a 16 to 1 fundraising advantage.
But Labrador, whose ads call him a "real Republican," is used to the underdog status: He came from behind to win the GOP nomination over a candidate who had the backing of both the state Republican party and Sarah Palin. This time he is trying for an upset by targeting someone other than Minnick: House Speaker Nancy Pelosi.
"Barack Obama and Nancy Pelosi have done so much damage to our country the last two years," Labrador said at an Oct. 9 rally, standing in front of a bus that had "Fire Pelosi" painted on its side. "The ugly truth, and he doesn't want you to know this, is that they have done it with the help of Walt Minnick."
Minnick has refused to say whether he would vote to retain Pelosi as House speaker. "When a party loses seats, that leads to leadership changes," he wavered to CNN in late September. But Minnick seems poised to defy the odds and become just the third Democrat to win a second term here since 1964.
If that is the case, House Republicans already are looking at Plan B: They hope to entice Minnick into a party switch if he returns to Washington.
Having spent 37 years as a judge, including nine as chief justice of the state Supreme Court, Gerry Alexander enjoys a lofty vantage point when it comes to Washington state's political landscape.
At 74, Alexander is nearing mandatory retirement. Maybe that is why he loosened up to me regarding the current political climate.
"People think it could be the ruination of the country if we don't get [federal spending] under control," Alexander said in his office at the Temple of Justice building, not far from the Olympia neighborhood where he grew up.
It is the last day of my cross-country trip, after 15 states, and I didn't really need a judge to return this verdict: Anxious Americans are angry at Congress. But Alexander confirmed that this is true even in a left-leaning state such as Washington where six of its nine House members are Democrats.
"If you ask them if a divided government is a good thing, most people here would say yes," Alexander said. "They would really like to see another party control Congress that is different from the White House."
The party's D.C. leadership has spent the last two years pulling Pacific Northwest Democrats further than many wanted to go. After the ambitious policies of the last two years, Washington voters seem less enamored with Barack Obama the president than they were with Barack Obama the candidate, said Alexander.
That could be bad news for the job security of incumbent Democratic Sen. Patty Murray. She used a "mom in tennis shoes" campaign shtick to get elected to the Senate in 1994 and has since cruised through two reelections. But Republicans "saw blood in the water," said Alexander. In challenger Dino Rossi, the GOP offered up a conservative who might have the tools to win.
Rossi, a former state senator, lost the closest gubernatorial race in U.S. history in 2004. Certified as governor-elect after the election, Rossi lost in a mandated recount by a mere 133 votes. But the drama surrounding the defeat boosted Rossi's name recognition.
"In a lot of people's minds he was robbed of the governor's race," said Laura Worf with Olympia's homebuilder's association. "People feel like he is owed one. He is the nightmare opponent for Murray."
Sensing this, Murray came out with an aggressive barrage of negative ads after Labor Day. Rossi has withstood the attacks. After a slight dip in earlier polls, an Oct. 8 poll by Rasmussen showed Rossi with a 49 percent to 46 percent lead.
Trying to end the race early, Murray burned her money advantage with her September offensive. At the same time Rossi's own fundraising haul of $4.4 million in the last quarter is being supplemented by $4 million additional dollars from outside Republican groups.
This enabled Rossi to counterattack with his own commercials highlighting Murray's insider status. Lobbyists have given more money to Murray this election cycle than any senator except embattled Senate Majority Leader Harry Reid. Beyond this $665,000 cash infusion, Murray's tennis shoe mom moniker has taken additional hits with the report that at least 17 of her former staffers now work as lobbyists. Murray sent nearly $20 million in earmarks their way in 2011 spending bills.
A state where 58 percent of voters backed Obama in 2008 now has a Democratic incumbent in trouble. If this seat goes Rossi's way, it will be a huge step toward a Republican takeover of the Senate.
For the final stop of my cross-country trip I headed to the Seattle area. This is the state's Democratic core. Murray needs a big turnout here to hold onto her seat.
Not far outside the city, in a suburb of mini-mansions, I met John Jensen, 49. Jensen fixes roofs. He also organizes well-attended candidate forums for the county. He agreed to meet with me, but he couldn't leave his current job-replacing tile on a multimillion-dollar home. So I put aside my fear of heights and joined Jensen at his worksite overlooking two of Seattle's lakes.
"I'm concerned that there is a lack of understanding by many in power of the real impact that taxes and regulations have on businesses," said Jensen, who recently had more than 150 people come to one of his forums to meet the candidates. "I don't understand how smart people can continue to do these things."
Still, voters put such people in positions of power, and Jensen thinks citizens need to look in the mirror for the source of their anxiety and anger over the state of the country.
"I blame bad contractors for bad houses," he said, "and I blame voters for bad politicians."


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CEVA launches new organization for global supply chain management
May 10, 2011
CEVA Logistics has announced the creation of a new organization, Supply Chain Solutions, and launched its latest SMART Solution, SMART End to End.
CEVA's Supply Chain Solutions organization has been created in response to the changing and evolving needs of large, global customers, said spokesmen.
As its clients have shifted to sourcing, manufacturing and distributing products on a global basis, the complexity of managing their supply chains have increased, said CEVA. Still, high performance and total optimal cost remain key criteria. The Supply Chain Solutions team, of around 185 employees, will use the human resources that already exist within CEVA to consolidate different structures, and organizations and to further strengthen its global team and upgrade its End to End Solutions, spokesmen added.
To support this, CEVA has also launched a new SMART Solution: End to End. This "solution" is a standardized, consistent and configurable process for management of global supply chains. This includes finished goods and production and spare parts.
With the new software, CEVA will manage everything from components and inbound logistics, through to moving the finished product and can average significant year-on-year savings of 5 – 15 percent through productivity improvement programs, spokesmen added.
In an earlier interview with LM, Rubin McDougall, CEVA's CFO said that the company's recent growth rate "is off, but the base level business is good."
Meanwhile, several of CEVA's leading customers in a variety of sectors are already using this new solution to their benefit, including General Motors (GM), said CEVA. The company said SMART End to End is being used to manage their global inbound and outbound flows of materials across multiple different locations across the world and is delivering "significant, continual improvements in the efficiency" of their supply chain.
The Supply Chain Solutions team is focused on the complete integration of its customers' supply chains to drive flexibility and cost efficiency, said Jan Martin Witbreuk, CEVA's, EVP Supply Chain Solutions.
In a statement, he added that SMART End to End is designed to manage global sourcing strategies, inventory supply and demand, total logistics spend, complete supply chain visibility and supplier performance management.
"CEVA's integrated global network will form the foundations of the solution, exploiting the already established Control Tower network in key, strategic locations across the world," said Witbreuk.
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Big 12 pre-spring power rankings - Big 12 Blog - ESPN
Likes us not our schedule.
Hopfully we will end up having the best Big 12 recieving/running back combo over what they are predicting Oklahoma will have. As long as we dont get another senior plateau I think we should be in the running.
Pretty nice. I was thinking the same thing. We might have a better team this year but our record might not show it. We need to get those non-conference wins this year and hope for one maybe two upsets. 6-6 this year would be great.
"Don't look back. Something might be gaining on you."
-Satchel Paige
I don't know about Kansas being ahead of us. They lost a lot of key players from last season. I would think we should be able to beat them in Ames this year.
KU ahead of us is a crock of ****.
Other than that...I thought it was spot on.
Yeah, KU seems too high at #7. This is a team that went 1-7 in the league last year only winning a tight game against us at home. And they are coming off of a lot of off season issues and breaking in a new coach.
Also great to see that we dropped the 6, 9, and 12 teams from the south in exchange for 1, 3, and 5. Top that off with our non-conference schedule and this team could take several big steps forward this year and end up 5-7. That said, if we get back to a bowl this year my man crush on CPR will become a full blown love fest.
A&M is going to be dang good. I would rather play Tech than A&M this year for sure. I would not want to play Baylor with RGIII back either.
Unfortunately, OU and UT come back around almost guaranteeing two losses.
I like that we have the two toughest North teams, Mizzou and Nebbie, at home.
The schedule has me really excited for the season. We may not win as many games as I would like, but it will be fun to see us play Utah. Also, this is a good year to play TT, OU and Texas. Not that there is really ever a good year to play OU and Texas. Also, we can get KU. Turner Gill will have growing pains.
Man suffers only because he takes seriously what the gods made for fun.
― Alan Wilson Watts
With the KU thing, was it a ranking of team strength or a projected finish? KU has an easier schedule, which means projected finish would make more sense.
i will not be happy if kansas beats us in ames this season. no way that happens... reising is a huge loss, huge. if they can run the ball 35 times a game for around 250 yards then maybe, but that is not going to happen in year one.
i agree with being excited about schedule.. i cannnot wait for the utah game!
Originally Posted by MNCyGuy
With the KU thing, was it a ranking of team strength or a projected finish? KU has an easier schedule, which means projected finish would make more sense.
It's a power ranking so I would think it would go more by team strength, not projected record. If it is by projected record then I guess it makes sense, but I do think we're the stronger team.
Originally Posted by WalkingCY
KU ahead of us is a crock of ****.
Other than that...I thought it was spot on.
Correct. We should be 7th. If KU beats us in ames i will be flippin shocked
With the schedule of: NDSU, GT, S Miss, NM State, Baylor, Kansas State, A&M, ISU, Colorado, NE, OKST, MIZZ.
is why Kansas is picked to be better than us.
If i remember right didnt they have a pretty good recruit class 2 years ago also? that would help them also. The learning curve of Gill's new system might be the only thing holding them back from a good year in 2010
I think both the Kansas school games, Northern Illinois, and UNI should be wins. We just need to pick up 2 more somewhere in Utah, Iowa, Mizzou, Tech, or @CU. Surely that's doable.
Yep, the KU thing is crap...Also, I don't think Tech is going to be very successful this year. Way overrated on that IMO.
Don't know what kind of offense they plan on running, but they will have a tough transition period...also, if they plan on playing a 3-4 against us, we will have a HUGE day running the ball, and the game is in Ames.
Mark it down - We Win This Game.
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May 31, 2016
The Elvis Presley Birthplace and Museum in
Tupelo is headed toward an August completion of a $4.3 million expansion.
The Northeast Mississippi Daily Journal reports that by August fans will be able to watch films and live performances in a 120-seat theater. The museum is also adding an outdoor amphitheater with seating for 75.
Rock seats have been installed and will be planted with sod to accommodate people with their own chairs.
The theater and other additions are part of phase one of the expansion, which also includes last fall's tripling of on-site parking capacity.
The projects are funded partially by a $2.8 tourism bond bill approved by the Mississippi Legislature. Local match came from city of Tupelo, the Tupelo Convention and Visitors Bureau and the Elvis Presley Memorial Foundation.
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