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Health insurance squeeze
The rising cost of coverage puts everyone in peril
By Joan Trossman Bien 05/17/2012
It is a truth universally acknowledged that a patient in need of a physician must be in want of an insurance policy. In other words, my apologies to Jane Austen aside, if you need to see a doctor, you had better have health insurance. With premiums and all those other niggling costs, such as out-of-pocket fees, out-of-network fees, deductibles, co-pays and percentages of total cost — all predictably rising — many Californians have been forced to forego insurance. They do this at their own peril, since we are all just one illness or one accident away from physical and financial devastation. Insurance is the only way most people can possibly afford to pay their medical bills, even for relatively minor issues. Medical costs are so high that even the insured often face insurmountable bills for a major event, and unpaid medical bills are the most common reason for people to go into bankruptcy.
Self-employed and uninsured
Chris Jensen is 55 years old and freelances as a photographer and graphic designer. Jensen had been buying his own health insurance for a long time. But now, he is uninsured.
"I have a pre-existing condition — glaucoma," he said. "I was with Blue Cross until their rates kept going up. So I was with AARP for about two years, when they decided to drop my ophthalmologist from my network. They decided to drop the only doctor that I was using."
Jensen said he had always kept an insurance policy in case something catastrophic happened. "If I'm going to pay for a policy, I want it to cover at least what I need," he said. "It is really hard to slap down $500 to start a policy that basically doesn't cover much."
Jensen has successfully tried Chinese herbal medicine and natural remedies and said he believes that if he were to be diagnosed with a very serious illness like cancer, he would look for alternative therapies before going the traditional medical route. He is also concerned about the cost of insurance as he struggles to maintain a profitable business. He believes the entire system is failing right now.
"I think it's all just dreadful," Jensen said. "I think it's America at its worst. I think that the pharmaceutical companies and the insurance companies are robbing us blind. I don't think insurance should be for profit; I'm all for socialized medicine. All these people who are against Obamacare, probably most of them are just against Obama."
The numbers tell a scary story
There are two groups of Californians who pay for their health insurance, those who get insurance through their employers and those who pay for individual policies.
Californians who pay for health insurance, one way or another, know that the premiums continue to rise at a rapid pace. A recent survey by California Healthcare Foundation found that health insurance premiums have increased 153 percent in the past decade — more than five times the 29 percent rise in the rate of inflation during the same period.
Employers who subsidize health insurance for their workers have been slapped with huge premium increases. So much so that the same study also reported the percentage of companies purchasing health insurance has dropped by 10 percent in the past two years. More than one-third of employers said they planned to pass the increased costs along to their employees.
As premiums continue to increase, consumers may be curious as to where their money is going. Some of it has gone straight into the pockets of the CEOs of major insurance companies. For instance, the CEO of Blue Shield was paid $4.6 million in 2010. At Kaiser Permanente, the CEO earned a combined $7.7 million in benefits and compensation.
Carmen Balber, of the consumer advocacy group Consumer Watchdog, said that some nonprofit insurance companies are holding massive amounts of cash in reserve.
"Kaiser has reserves that are 1,200 percent of the state minimum," she said. "Blue Shield's reserves are 1,400 percent of the state minimum."
Meanwhile, premium increases continue. Blue Cross has proposed raising its premiums another 9.6 percent up to nearly 20 percent, affecting about 700,000 individual policy holders. That is down from the initial plan to increase some premiums by nearly 30 percent. Those rate hikes would only increase the burden on Californians who now carry debt. According to a recent UCLA study, about 2.6 million residents age 64 or younger now shoulder some kind of medical debt. In 2007, 400,000 fewer people were in that position.
When asked by the Sacramento Bee why insurance premiums and health care costs continue to increase, a spokesman for the California Association of Health Plans replied that current health care costs in California are now at $280 billion. The group projected the cost could soar to $552 billion by 2020. Based on these future projections, the group has justified rate hikes. The group also blames the lifestyles of their customers for obesity, smoking and a sedentary lifestyle, which have contributed to increases in chronic illness. Also cited were rising prescription prices and hospital seismic retrofitting, some 18 years after the Northridge quake.
And then there is the large number of people who have dropped all coverage. The industry claims that many young, healthy people have stopped buying health insurance altogether, leaving the insurance companies with the costlier, sicker and older customers. As premiums rose, fewer Californians could afford the coverage, which raises the question: How did this vicious cycle begin?
Failure to regulate
There are 35 states that have the authority to regulate health insurance, but California is not among them. There have been six attempts to pass laws in California to create a limited, universal single-payer option. All have failed.
How did insurance companies become so powerful with so little regulation? Historically, the story begins in 1735 with the adoption of fire insurance in South Carolina. Later, in 1752, Benjamin Franklin formed a mutual insurance company for coverage against fire. Even then, any risk seemed to be more than the insurance company would accept, with Franklin's company refusing to insure all houses made of wood.
It was in 1944 that federal regulation of the insurance industry was declared constitutional by the US Supreme Court, finding that the Commerce Clause allowed such regulation. But that did not sit well with Congress, and so legislators immediately passed the McCarran-Ferguson Act in 1945. It says that although states can and should regulate insurance companies, the federal government is barred from passing a law that would invalidate or supersede any state law regulating insurance.
Even when the Federal Trade Commission tried to intervene in 1979 and the early 1980s, when so many insurance companies were going bankrupt, the Senate Commerce Committee voted unanimously to stop the FTC in its tracks.
The Patient Protection and Affordable Care Act of 2010, the major health care reforms passed under the Obama administration, will not be fully implemented until 2014. Arguments for and against the reforms were heard by the US Supreme Court in March, and a ruling is expected by June.
The state Department of Insurance and the state Department of Managed Health Care (DMHC) both have the ability to scrutinize health insurance rates and raises and can comment publicly on whether those raises are considered to be justified. They can also try to persuade, or even embarrass, insurance companies into rolling back proposed rate hikes. But they ultimately have no power to force the industry to obey. In fact, out of 300 cases, rate increases in only 17 percent were reduced or dropped.
One particularly devastating ploy by some insurance companies, the practice of rescission, has been controlled by the state. Under the Knox-Keene Act, the DMHC has the authority to levy fines and overturn insurance company decisions not to pay claims. Using this, it has clamped down on the odious practice of cutting off all medical payments for a major illness or injury, either on a technicality or for a nonexistent reason that the insurance company placed in the file. This practice sometimes occurred even after some of the bills had been paid, leaving sick patients, who thought they were fully insured, without coverage and burdened with tens of thousands of dollars in new medical bills. A state settlement with the five largest companies mostly ended that practice.
A new initiative
Consumer Watchdog gathered petition signatures for a new proposition to appear on the November ballot. It needed to collect 505,000 verified signatures by May 7. This initiative would give the state insurance commissioner the authority to deny premium or other rate increases as well as require fiscal transparency by insurance companies.
Consumer advocate Balber said there is an urgent need for this law. "We saw last year that Anthem proposed a rate hike. The Department of Managed Care found that it was unreasonable, and Anthem went ahead with the hike anyway."
The initiative is supported by US Sen. Dianne Feinstein, D-San Francisco, who was the first person to sign the petition. In a letter to constituents, Feinstein wrote, "The five largest health insurance companies made a combined profit of $11.7 billion in 2010. That was a 17 percent increase over the 2009 profit of $9.9 billion and a 51 percent increase over the $7.8 billion made in 2008.
"Consumer Watchdog's ballot measure," Feinstein continued, "would require health insurance companies to publicly justify their rates before rate hikes take effect."
The state's third-largest health insurance company, Aetna, raised rates between 8 percent and 21 percent on April 1, affecting 77,000 workers. State Insurance Commissioner Dave Jones publicly declared that those increases were excessive and reiterated his support for the initiative.
There is plenty of opposition to the initiative, however. In a press release, a new coalition of the insurance industry and medical community called Californians Against Higher Health Care Costs claims that the initiative will "add layers of regulation to health care, create a costly new bureaucracy, and give ONE politician nearly total control over health care coverage and prices, ultimately leading to higher rates and less access to care for consumers."
Balber said the health care industry has been throwing a lot of money around in Sacramento, through its lobbyists, in opposition of tighter regulations.
"Last year, they spent $35 million to pay lobbyists," she said. "Kaiser, the state's largest HMO, was at the top of that pack, having spent $3.5 million last year, and that money pays off. They have been able to successfully block any regulation of the prices that they charge customers."
Balber said this new initiative would cover 5.3 million Californians. "They (insurance companies) focus on California for one very good reason: California has the largest insurance market in the country."
The release also called Consumer Watchdog "a trial lawyer-funded special interest group," which is trying to "open up health insurance to the same scheme that has allowed Consumer Watchdog and trial lawyers to make millions of dollars off of auto and homeowners insurance."
A war of words has erupted between Consumer Watchdog and the president-elect of the California Medical Association, Dr. Paul Phinney. In an exchange of letters, Consumer Watchdog accused Phinney of not representing doctors but instead representing the interests of his former employer, Kaiser Permanente, where he worked for the past 34 years.
In response, Phinney elaborated on the reasons why he is against the initiative. "Your measure is nothing more than a poorly disguised attempt to siphon health care dollars away from patient care into the hands of consumer attorneys, leaving even less money available to provide care while doing absolutely nothing to address the underlying drivers of health care costs."
The letter continued. "Do you honestly believe that arbitrarily imposing regulation on insurance rates will solve the problems our health care system is inundated with today? Your flawed initiative does nothing but take advantage of consumer angst in order to redirect dollars away from needed health care into intervener fees."
And: "I find your efforts with this initiative to be opportunistic, misleading and mean-spirited. … In a word, nefarious."
Even as the US Supreme Court considers the constitutionality of the Affordable Care Act, Gov. Jerry Brown and state Insurance Commissioner Dave Jones want to have a similar system in California, in case the federal health reforms do not stand.
In 2010, California was the first state in the nation to take steps to implement the Affordable Care Act. As for the controversial mandate requiring everyone to purchase health insurance, Jones told the Los Angeles Times, "We require everyone to have auto insurance in California, and the world hasn't stopped spinning on its axis. All this political tumult generated by the right is really ignoring the reality in California and elsewhere."
Whatever changes are in store for the Affordable Care Act or for California, you still need to provide health care for yourself and your family right now. Staying informed on the changing rules of health insurance will only help you make better decisions in the future.
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350VT group plans event at State House on ThursdayJuly 29,2014
350VT event set for Thursday
MONTPELIER Activists from 350VT and citizens supporting the campaign will gather on Thursday at the State House from noon to 1 p.m. in support of divesting the State Pension Fund from fossil fuel companies.
The action, titled Deliver on Divestment, is a campaign message aimed at state lesislators, the Vermont Pension Investment Committee, and State Treasurer Beth Pearce, and will see the group deliver more than 2,000 signatures in support of the request to the treasurers office.
The rally will feature several speakers, including beneficiaries of the states retirement funds and Dean Corren, a Progressive candidate running for lieutenant governor, according to a news release. A group of supporters of the 350VT will arrive by bicycle.
The action will culminate with a short walk over to the Pavillion Building, where activists will meet with Pearce in the Office of the Treasurer.
Divestment is the opposite of investment, getting rid of investments that are unethical or morally questionable, noted the groups news release. Fossil fuel divestment is a growing political and social movement to reject the influence of fossil fuel companies, in favor of policy and action to mitigate climate change.
The State Pension Fund is Vermonts largest publicly traded fund.MORE IN This Just InMONTPELIER A new report from a commission that studied the cost, availability and quality of... Full StoryVermont fish hatchery changes focus, looks inland
BETHEL, Vt. Full StoryHONOLULU (AP) A group of Hawaii musicians and a Hawaiian Airlines flight attendant provided... Full Story
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subset: commoncrawl


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Out of Stock
Dressy bootcut spares the details to deliver the versatility you need. Grosgrain piping trims front pockets and the button tab detail on flap pockets in back. One black crystal rivet on each front pocket. 99% Cotton, 1% Spandex. Machine wash. Imported.
- Blanc. Our universal fit. Eased through the hip and thigh, sits just below the waist.
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- Black enamel buttons with silvertone rim.
- "Feel Beautiful" printed inside the waistband.
- Inseams: regular 33.5", short 31", long 35.5".
Read more… Read less…


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Plans are being completed by officials at Guadalupe-Blanco River Authority's Coleto Creek Park and the Texas Parks and Wildlife Department to celebrate National Fishing and Boating Week on June 1-9. Academy Sports & Outdoors, GDF Suez-Coleto Creek Power, the Buddy Hartl Memorial Fund, TPWD Game Warden Association, Coleto Bassmasters and the Family of Megan Nicole Daughtrey have all signed on again as sponsors to help insure that all kids go home winners.
The event is open to all youth between the ages of 2 and 16. There will be no registration fee, but all children must officially register to compete in the Tournament by 9 a.m. on June 1 to be eligible for prizes, which will be awarded for the heaviest stringer in each of four age groups, (2-6, 7-9, 10-12 and 13-16 years).
For information, call 361-575-6366, check www.coletocreekpark.com or visit the Coleto Creek Park office.


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|Woah WOAH WOAH hang on there a minute... there's a CAMPAIGN? Screenie from joystiq.com
I am rather concerned at what I'm seeing on the PTR.
Forget for the moment the Legendary
I'm sorry, at what point did this escalate into a legitimate conflict?
The Alliance were sent to Pandaria to rescue the King's son. Forget for a moment he didn't want to be rescued and has now established himself as the de facto Alliance ambassador to the Pandarians. Forget the fact that we lost pretty much everyone that we were sent with to undertake this task. I'd also pretend not to think about the absolutely appalling way we've ingratiated ourselves with large sections of the indigenous population... frankly this is too big a land to want to conquer, surely? Have no lessons been learnt from the war in Northrend at all? Apparently not, because I'm being told now I'm expected to 'valiantly defend an outpost' I think is both badly considered and frankly unacceptable on a continent with such a rich cultural diversity. We should learn about this new land first before we trample it underfoot with a sea of tanks and soldiers. Seriously, who ON AZEROTH is advising the King these days...?
Ah yes. Jaina. This one's also clearly for Theramore... :(
I have not for many years considered wanting to leave the Alliance, but yesterday after seeing the 'video' that accompanies the push into Karasang, it crossed my mind. The thing is, of course, I'd not want to switch factions either. I want no part of Garrosh's plans, his agenda even more shaky than Varian's. I want to be without a banner to call my own. I'd live to go native and lose myself in the beauty of this new land: undertake expeditions for the Explorer's league, learn more with the Lorewalkers. The beautiful southern coasts of this land that I now consider my home for the next couple of years is about to be destroyed by warmongering fools who clearly didn't read ANY of the intel I am gathering regarding the way this place works. I am going to be forced into a version of 'Modern Warfare' and frankly, I'm not happy.
Of course, this move represents a masterful piece of storytelling. I KNOW there are spoilers out there that explain a lot of what is going on, but I frankly refuse to see them until its time. Knowing how Blizzard now have adopted the 'you quest here first BEFORE it becomes an instance' mentality I'm unreasonably excited at what other parts of the game may be dragged into this particular conflict. Nothing is currently off the table, all of a sudden it is genuinely exciting wondering just what the heck is going on. The fact remains however, I know full well why no-one else has proceeded past the 'arrive at the Carrier' part of the Alliance quest line thus far, and it has nothing to do with my obsession with leeks. This is because I don't like killing the Horde this time around, and the more I consider the options the more I'd really like to have the opportunity to set myself as neutral.
This is a war I don't want, but I'm an inescapable part of. The next few months will be very interesting indeed... ^^


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text: I think my 9 week old just started a growth spurt (she is always earlier than average age for these). She has been fussy the last couple of days and suddenly started drinking more EBM at daycare yesterday. Last night and this morning she was nursing like crazy. I know she does this to help increase my milk supply. However, what happens when I go to work? I am already pumping 3 times during the day. I am worried that without being near her to nurse constantly and increase my supply that I will not have enough for her. Please help!


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Fort Collins to host public meeting on proposed changes to mall finance agreement
- published_in
- Today's News
Additionally, the developer would decrease the total square footage occupied by tenants new to Fort Collins from the previously agreed-upon 120,000 square feet to 90,000.
The Q and A will be held in the community room at 215 N. Mason St.
The agreement between the city and Alberta can be terminated if the bonds are not issued by June 30. The bonds are projected to include an interest rate of around 7 percent, Birks said, but the precise interest rate will not be known until the bonds are issued.
The newly proposed agreement also states that if the requested alterations are made, only $23 million of the $53 million in bond proceeds would be released to the project. The remaining $30 million would be released in segments to the project as additional leases are executed by the developer.
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By Nancy Oliveira, Pure Matters
Debbie Dorsey sat with her family on Christmas morning in 1997 opening presents. She was watching her children and mindlessly touching her hair when seven dark strands clung to her fingers. She continued pulling at her hair so that by the time all the gifts were unwrapped, Dorsey had constructed a hill of hair on the coffee table. She might have felt shocked, except this was the exact day her doctor predicted her hair would start to fall out.
"It actually felt great, because my scalp was sore. I wanted to pull out all that hair, even though it also terrified me," says Dorsey.
A 'Hairy' Situation
Dorsey experienced a condition called alopecia, or loss of hair. Although there are many reasons for hair loss, it is a common side effect in people receiving radiation and chemotherapy. The amount of hair loss varies with the type of treatment.
Joan Gallagher, an oncology clinical nurse specialist at Massachusetts General Hospital, explains hair loss with chemotherapy, "Certain chemotherapy treatments cause alopecia more than others. Some drugs don't cause it at all. But despite the extent of damage, chemotherapy-related hair loss is temporary."
Chemotherapy destroys quick-growing tumor cells. At the same time, it can damage other fast-growing cells, such as those in hair and nails. The hair follicle cells absorb the drug, which thins the hair shaft or completely blocks hair cells from dividing and growing. When the hair root at the scalp becomes fragile, it breaks easily or falls out. The patient not only loses hair on the head, but also may lose hair in other areas such as the legs, arms, pubic area, eyebrows, and eyelashes.
"Radiation, on the other hand, can cause permanent hair loss. High amounts of radiation beams passing through a specific treatment area including the hair can destroy the hair root entirely. But it is only the target area where the radiation hits that you may see a bald spot," says Gallagher.
What to Expect
With chemotherapy, hair loss usually begins within two to three weeks after the start of treatment, and may continue over the next month. In some cases, total hair loss occurs in 24 hours. There are factors that affect how quickly hair loss occurs, such as the type and amount of the drug given.
Gallagher adds, "Consider the weight of the hair--long hair is heavy and tugs on the roots. Taking a shower and wetting the hair will add even more weight and increase the chances of hair falling out. Trimming long hair may help lengthen the time it takes for complete hair loss." If hair loss is expected, Gallagher also recommends avoiding harsh chemicals found in permanents, hair dyes, and some hair sprays.
Many people may feel scalp tenderness right before the hair loss, as described by Dorsey. "The sensation has been compared to the feeling of when you wear your hair part one way for a long time and then switch it the other way," says Gallagher.
Hair regrows in about three to five months, although the exact time will vary. The hair root recovers and begins a new cycle of growth, often visible before chemotherapy treatment ends. Complete regrowth can take up to one year. Hair may reappear in a different color or texture. Dorsey recalls her surprise when her hair grew back in big, thick curls--opposite from the ironed-straight hair she was born with.
Regaining Control Over Your Image
Hair loss can cause anxiety or depression. This reaction may be related to a loss of control over the image that the person desires the public to see.
"To some degree, hair defines who you are because it's one of the first things people notice," says Dorsey. "For women, hair symbolizes femininity. We spend so much time styling, coloring, and caring for it. When I lost all my hair, I'd walk by beauty salons and wish they could do something--anything--for me. I couldn't even get a manicure because the chemotherapy had weakened my nails."
David Nicholas, a Boston-based make-up artist and licensed esthetician, believes that the right beauty salon can do wonders for people with hair loss. Nicholas, a pioneer in reconstructive and corrective make-up, helps many women and men with hair loss gain back some control of their appearance. He counsels people to make plans early on.
"Being prepared creates a sense of control, which helps one deal better with the change," says Nicholas.
When Nicholas sees people who are anticipating hair loss, he first refers them to a reputable wig organization before the hair loss occurs. "The wig specialist needs to see the existing hair if the client wants a close match," he explains. Gallagher shares that her patients who bought wigs unlike their own color and style were often ultimately unhappy with them. Wigs can be made of synthetic material, human hair, or a combination of the two. Prices range from a few hundred dollars for a synthetic wig to a few thousand for human hair. He recommends clients to wear the wig before actually losing their hair, so they feel comfortable with it when they have to wear it. Nicholas then teaches make-up techniques for lost eyebrows and eyelashes or to correct the sallow skin color that often occurs with chemotherapy treatments.
Nicholas warns that not every wig store or beauty salon is trained to work with clients with hair loss. He suggests getting referrals from other cancer clients, hospitals, or a local chapter of the American Cancer Society. "Ask the store or salon if they work with people who have cancer. A good establishment also deeply respects the confidentiality of their clients," says Nicholas.
Gallagher agrees that privacy is a top priority. "People with cancer can choose whom to tell about their diagnosis, but hair loss makes that information very public. Look for a wig shop that accepts private consultations or has concealed areas where clients will not feel they are on display," she says.
Finding Support
Dorsey admits that her doctors didn't give much attention to her hair loss. "It's just not a big deal to them; it's the mouth sores, dry mouth, and horrible gas pains they worry about." Dorsey turned to support groups, wig shops, cancer books, and chat rooms on the Internet for information.
According to Gallagher, getting a wig that works is an important step for many people with hair loss, but some need much more guidance. "Nurses can provide support and guidance about the sensations and experiences of hair loss," she says.
"Patients can usually predict how they will react to hair loss. Some view it as a minor annoyance; others see it as the worst part of the chemotherapy treatment. After listening to those concerns, a nurse can help create a plan of action with the patient." Gallagher reports that patients also appreciate hearing direct advice from their nurse or doctor--knowing when the hair is expected to fall out, how much, and practical tips on how to deal with it. "One of my patients reported that when she started losing hair, it would fall into her food or onto her pillow at night, leaving hair in her mouth. We found that wearing a turban to catch the hair during those times helped prevent feelings of resentment that surfaced. Nurses can offer small but real details like these."


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You don't have to be a viking to love Brothers Drake mead (though, that'd be pretty sweet). Brothers Drake beat out last year's champ (and worthy adversary) OYO Honey Vanilla Bean Vodka by a razor-thin margin of 27 votes. Looks like this battle won't be over 'til the fat lady in the horned-hat sings.
Runners-up: OYO Honey Vanilla Bean Vodka, OYO Bourbon Whiskey, Michelone Reserve


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On this day (Oct. 14) in 1644, Quaker founder of Pennsylvania William Penn was born in London into the politically well-connected family of Admiral Sir William Penn and Margaret Jasper.
Tragically, at age 3, Penn came down with smallpox, which prompted his parents to move out of smoke-ridden London to the Essex countryside. There, Penn was educated at the renowned Chigwell grammar school, where he was subjected to "strict, humorless and somber" teachers, who taught the impressionable young Penn the Puritan traits of hard work and serious demeanor.
Although Penn later opposed Anglicanism on religious grounds, he had absorbed at Chigwell School many of the Anglican/Puritan concepts and ideals, which partly explains why as an adult he was known for his seriousness and lack of humor. Later, while living on his father's Irish estate, the studious Penn was educated by private tutors who taught him the traditional, classical curriculum needed to get into one of the two English universities.
Also during his four years in Ireland, Penn first became acquainted with the nonconformist Quaker sect, which had been founded by George Fox. In 1660, the 16-year-old Penn entered Christ Church College, Oxford, where he quickly ran afoul of the strict Anglican formalism of the university. In 1662, he was fined and expelled for refusing to attend chapel.
Determined to thwart his son's growing pro-Quaker "religiosity," Penn's father sent his 18-year-old son on a two-year (1662-1664) "grand tour" of Europe. While in Europe, he became a spokesman for the Society of Friends, publishing numerous pamphlets that extolled the virtues of Quaker theology.
Summoned by his father back to England, Penn studied law for a year at Lincoln's Inn. In 1665, Penn formally joined the Society of Friends and quickly became a leading Quaker missionary and author.
Penn wrote 42 books, the most famous being "No Cross, No Crown" (1669) in which he explained the Quaker philosophy of humility, pacifism and the "Inner Light." Imprisoned four times for preaching "illegal" non-Anglican theology and for the advocacy of "heretical" democratic political beliefs, Penn, in 1667, convinced that he could not change the religious and political climate in England, turned westward to America, where he hoped to be able to establish a Quaker religiously and politically tolerant "Holy Experiment."
As a close friend of English King Charles II, Penn, in 1681, persuaded the monarch to grant him a charter to an enormous grant of land (more than 45,000 square miles) north of the colony of Maryland, which became Pennsylvania ("Penn's Woods"). Although Penn only spent four years in America (1682-1684 and 1699-1701), he was able to establish his "Holy Experiment," granting it in 1682 a Frame of Government, which along with his 1701 Charter of Liberties made Pennsylvania the most religiously and politically tolerant colony in America.
Almost alone among colonial proprietors and governors, Penn established friendly relations with the Native Americans of his new world domain by preaching that Indians, like all people, had the "Inner Light" ("spark of the divine") and, therefore, should be respected and tolerated.
Penn's private life was one of privilege and luxury. He first married Gulielma Maria Springett (1644-1694), with whom he had eight children. Two years after her death, he married (at age 52) Hannah Margaret Callowhill (1671-1726), with whom he had eight more children.
In 1712, Penn suffered a severe stroke that rendered him unable to speak or take care of himself. Six years later (1718), Penn died penniless.
Although the Penn family retained ownership of the colony of Pennsylvania until the American Revolution, Penn's sons, Thomas and John, renounced their father's faith and restricted religious freedom, especially for Catholics and Quakers in the "Holy Experiment."
• Crystal Lake resident Joseph C. Morton is professor emeritus at Northeastern Illinois University. Email him at email@example.com.


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Product Information:
Keep your toes protected during even the most strenuous activities with the Toe Caps Toe Protectors from Pro-Tec. Made with custom grade silicone, this Pro-Tec product fits comfortably with every use. The toe caps work to protect your toes from blisters, rubbing, irritation and toenail loss while also absorbing stress and protecting your toes every time they are worn.
- Protects toes from blisters, rubbing, irritation and toenail loss
- Toe Caps cushion and separate toe from touching inside of the shoe
- Absorbs stress in the toe region
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Rated 1 out of 5�by Big5501 your kidding me right! I just bought 20 of these silicon toe protectors for $1,00 a piece! Who sets these prices? June 15, 2015
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Rated 5 out of 5�by Smitty Works awesome Got these to protect my big toe while I lost and grew back a toe nail- work great protecting the nail from pull on my socks as well as providing extra cushion against my sneakers. June 24, 2014
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1-4 of 4


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Family Link
Learning to live with diabetes doesn't happen overnight—and you don't have to do it alone.
The American Diabetes Association is here for your family when you need us most—every day.
Family Link
Advocates for the rights of children and adults with diabetes.
- Your Link to Schools — Children spend most of their time at school. The Association provides parents with resources and training modules to help you work with your child's school to create a medically safe learning environment for your child. The Association can assist you when you need help working with your school.
Works with scientists and medical professionals to improve care for your child and search for a cure.
- Your Link to Experts — If you're looking for expert information, the American Diabetes Association has it. All the information you receive through the Association's website, books, Family Link enewsletters and other educational tools come from the Association's world renowned diabetes experts.
Offers Information and Resources to help your family learn to live well with diabetes.
- Everyday Wisdom Kit — This free kit offers information and tips for the whole family after a child is diagnosed with type 1 diabetes. Information targeting the child with diabetes, parents, teens and siblings offer families tips on how to prepare for everyday moments with type 1 diabetes. The kit also includes an interactive game, a diabetes dictionary, an emergency contact magnet and juggling balls.
Connects you with other families of kids with diabetes.
- Diabetes Camps — Kids with diabetes often feel like they're the only ones living with diabetes—but not at Diabetes Camp! At Diabetes Camps, kids have a great time making new friends and participating in fun outdoor activities like hiking, swimming and canoeing. Trained staff, who often have diabetes themselves, help campers manage blood glucose while helping them build confidence in managing their diabetes.
- Family Link Events — Attend a fun and social diabetes education event in your local community. In over 50 local communities, the American Diabetes Association offers families an opportunity to learn more about diabetes while meeting other families of children with diabetes.
- Family Link Parent Mentors — If your child was recently diagnosed with diabetes, it's often helpful to talk to others who've been there. Connect to a Parent Mentor who understands how you're feeling. Family Link Parent Mentors is supported by an educational grant from Lilly USA, LLC.
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Hope and Healing Stitchers - Knitting and Crocheting Club
Join fellow community knitters and/or crocheters on an ongoing basis. Share and learn new skills, while working on community projects that will benefit Kennedy Cancer Center patients and their families. Please bring your own supplies and materials.
NOTE: These sessions are non-instructional.
When: Sessions held every Friday
Time: 10 AM - Noon
Facilitator: Abigale Hassel, MSW, LCSW - Social Worker
For more information, please call 856-218-5591.
September 26th, 2014 10:00 AM through 12:00 PM
Kennedy Cancer Center
900 Medical Center Drive
Hope & Healing Room, Suite 207
Sewell, NJ 08080
United States
- Home
- Patients & Visitors
- Programs & Services
- Find a Doctor
- Classes & Events
- Careers
- Volunteer
- About Us
- Donate


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live streaming schedule & on demand videos
There are no live webcasts scheduled at this time.
Please click on the "On Demand" tab to view a list of videos available in this category.
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|NET Sports Hometown Huskers: Jordan Wilberger, 2010 Videos
|This NET Sports presentation takes us to Scottsbluff, Nebraska, the home of Husker Volleyball...
|Big Red Wrap-Up: NU vs Missouri
|This week's Big Red Wrap-Up recaps the Nebraska vs Missouri game. Damon Benning breaks down the...
|Nebraska Stories: Loren Eiseley's Reflections of the Depression
|In the 1930s the world turned dark with depression. Men without jobs became drifters. Loren Eiseley...
|Hometown Husker: Brooke Delano - an NET Sports Feature
|NET Sports profiles UNL Husker Volleyball player Brooke Delano, from Bellevue. Delano talks about...
|Hometown Husker: Hayley Thramer
|NET Sports profiles UNL Husker Volleyball player Hayley Thramer, from the tiny town of Ewing, NE....
|Big Red Wrap-Up: NU vs Oklahoma State
|This October 26, 2010 Video On Demand Version of Big Red Wrap up reviews the Nebraska vs Oklahoma...
|NET Sports Hometown Huskers: Lauren Cook, 2010 Videos
|This segment of "Hometown Huskers" features UNL Volleyball player, Lauren Cook of Lincoln
|Mid-American Money: October 2010, Economic Politics
|Ernie Goss and Anthony Hendrickson are joined by Congressman Lee Terry. Tom White, the Democratic...
|NET Sports Volleyball: Brooke Delano, 2010 Videos
|NET Sports profiles UNL Husker Volleyball player Brooke Delano, from Bellevue. Delano talks about...
|NET Sports: Nebraska vs Texas Tech Highlights
|Highlights from the October 20, 2011 volleyball match between Nebraska and Texas Tech.


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Results 6 to 10 of 37
Thread: Needing positive inspiration!
April 20th, 2013 11:20 PM #6
I can't really add anything because I've never been through what you're experiencing, but I'd just like to let you know I'm thinking of you and wishing you all the best!~ Mother of Violet Elizabeth Rose ~
April 21st, 2013 05:27 AM #8
Much of the same, I've never experienced a miscarriage so I don't quite know what you're going through. I can only imagine how scary it is. I just wanted to say you have another person rooting for you, and praying for you to have a healthy pregnancy, and that at the end of it you'll have a beautiful baby to nuzzle and nuture. I wish you the best.Not so done having children after all. We're not ready for TTC quite yet but when we do get pregnant,the husband handed sole naming rights over to his name obsessed wife!
Bouncing Baby Boy: Tristan Ambrose * Ambrose Galahad* Gabriel Beauregard
Little Lady: Genevieve Claire * Josephine Adele * Fleur Josephine * Morgana
April 21st, 2013 10:09 AM #10
Thank you all very much!
April 22nd, 2013 05:08 PM #12Senior Member
- Join Date
- Feb 2012
- Posts
- 968
cvdutch31- How are you feeling today? I've been thinking about you. I hope you are doing well!Wife to Jordan.
Mommy to Everett Callan, born 2010 and Callie Sage Eilonwy, born 2013
and 2 fur babies: a male standard poodle named Shasta, and a female Australian shepherd named Scout.
If you have any questions about PCOS, infertility, ectopic pregnancy, or Cystic Fibrosis testing, please feel free to message me
April 22nd, 2013 08:42 PM #14
Hi Whit32, thank you for checking in! I'm about the same still. Still spotting and cramping a bit, still resting as much as I can. Very frustrating. Not supposed to go back to the doctor until next Monday so unless something else changes, the rest of this week will be more of the same. I keep hoping and hoping the spotting stops but no luck. Hope you are doing well too!


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My Mother passed away 11/1/2013 @ 6.07pm in Doncaster Royal Infirmary, I would like to thank all the staff for giving her excellent care during her short period in the hospital. R.I.P. Mum xxx
Wearing her granddaughters British Title Belt.
quite a lady by the look of it.
This must be a terribly sad time for you and your family: my condolences to you and them


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24 Effortless Recipes with Cake Mix eCookbook
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"My pot roast comes out ok. I like it, but my family thinks it is boring and bland. I have not tried it with the Beefy Mushroom soup or the beef consomme. Maybe that would make a difference. During the last 30 minutes of cooking can you add some flour or cornstarch to thicken the juice up a little?"
"I will have to give this a try. I have never tried sweet potato casserole with pineapple before. The pineapple doesn't make it too sweet? I usually make this with fresh sweet potatoes or yams. How many would I need for this recipe? I also like to add some pecans to mine."
"Oh, these sound amazing! Im going to whip up some of these to add to hostess gifts that Ill be bringing to all the holiday parties Im invited to this year. I wonder how many batches Ill need to make in order to have enough for the gift baskets as Im sure Ill be testing a lot of them!"
Caledonian Cream (scottish)
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- 1 pint curds, crowdie or cottage cheese
- 2 large tbsps Dundee marmalade
- 2 tablespoons sugar
- 2 tablespoons brandy or
- 2 tablespoons single malt Highland whisky
- 1 tablespoon lemon juice
Mix all ingredients well. Beat with a whisk. Put in a dish and freeze. NOTES : This is a dessert which like many Scottish dishes it tastes a great deal better than the ingredients might suggest. The Scots craving for sweet things is a matter of dental record and this dish follows in the steps of an old tradition. You can use your imagination to add additional ingredients, like ground-up gingersnaps, honey, yoghurt, chopped nuts...
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Onorato and Airport Authority Officials Join Gov. Rendell to Announce Republic Airlines Deal at Pittsburgh International Airport
PITTSBURGH - Allegheny County Chief Executive Dan Onorato and Allegheny County Airport Authority Board Chairman Glenn Mahone joined Governor Ed Rendell today to announce an agreement with Republic Airlines to establish a new maintenance facility and flight crew base at Pittsburgh International Airport, creating as many as 140 new jobs by the end of this year.
``Our region`s qualified workforce and Pittsburgh International Airport`s excellent facilities are the major reasons we are announcing a new aircraft maintenance operation with Republic Airlines today,`` said Onorato. ``Job growth and economic development in the Airport corridor have been top priorities of my administration, and this is yet another example of Allegheny County and the Airport Authority working to overcome the uncertainty after US Airways` restructuring.``
Republic Airlines entered into a contract with the Airport Authority to lease Hangar #2, which totals more than 52,000 square feet. The company is also leasing 957 square feet of Airside Terminal space on the Mezzanine level for pilots and flights attendants who will be based here. Republic is already hiring personnel for both its maintenance and flight operations, and it estimated between 60-70 mechanics and 60-70 pilots and flight attendants will be employed at Pittsburgh International.
``The Airport Authority has worked aggressively and diligently to make this agreement a reality. Our business administration and properties team worked closely with Republic officials to make sure the company`s needs were met,`` said Mahone. ``It not only takes a great facility and an available workforce to make a deal, it takes business acumen, excellent negotiations and professional drive to see all aspects of the proposal advance. The Airport Authority brought these qualities to the forefront.``
Republic will perform round-the-clock maintenance on its growing fleet of ``Embraer 170`` regional jets, a 70-seat aircraft it operates for US Airways. Republic also provides service to Delta, American and United airlines. It is likely Republic will be performing maintenance for those airlines as well since all of them operate out of Pittsburgh International.
Pennsylvania is investing a total of $530,000 in the project. With help from the Allegheny County Department of Economic Development, Allegheny County Airport Authority, Pennsylvania Department of Community and Economic Development, and Governor`s Action Team, Republic Airways will receive a financial package that includes a $150,000 Opportunity Grant, $100,000 in customized job training funds and $280,000 in job creation tax credits.
# # #
Republic Airlines is a subsidiary of Republic Airways Holdings, which also operates Chautauqua Airlines and Shuttle America. Republic Airways Holdings offers scheduled passenger service on approximately 800 flights daily to 79 cities in 34 states, Canada and the Bahamas. The airline currently employs approximately 3,100 aviation professionals and operates 143 regional jets including 48 Embraer 170 aircraft. To learn more about Republic Airlines, visit www.rjet.com.
Republic operates flights from Pittsburgh International Airport to Boston-Logan, Indianapolis, Providence and Reagan National.


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Ivan Rana
Representing: ESP
Gender: Male
Athlete Year of Birth: 1979
Athlete Place of Birth: Ordes, Spain
Athlete Weight: 135 lbs
Athlete Height: 5'8"
WTS Ranking: No Ranking
ITU Points List:: 387 135.44pts
Athlete Biography
Rana placed fifth at the 2000 Sydney Olympic Games Triathlon. Ivan Rana's first World Championship title was in Cancun in 2002. The Spaniard has also placed second for the last two years running at the world Championships in both Queenstown and Madeira. Ivan often rises to the occasion for the big events but has yet to have a consistent season on the World Cup circuit. For now, Rana has stayed to true to his goal of remaining on the podium at ITU World Championships.
Athlete Language: Spanish, English
Athlete Other Sports: swimming


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[Pages 273-290]
List of Martyrs in Alphabetical Order
Translated by Carol Monosson Edan
|Shmuel Aulhovski
Son of Simcha & Chana
|Avraham & Masia Beinishis
Died in Transnistria and are buried in a mass grave
|Sonia Baznasi
|David Baznasi
Born 1889 Died Kiryat Israel
|Family of Zeev Barb Shmuel
Zeev died while still in Brichany
Grieving bitterly Avraham Forman & Family
|Menusa Grossman
Daughter of Yacov & Chana Drokier, born 1919 - died on the way to Mohilov 1941
|Dr. Zeev (Vonie) Grophenmacher
Died in Kopaygorod [Kopaihorod, Ukraine] at 40, a people's doctor, gave free help to the people of his community during the deportation to Transnistria.
|Meshulam Zusia Weissberg
Died at 22
Grieving father
|Sarah Weissberg
Daughter of B. Joseph Leib Shiller - died in TA
|David & Eidel Hasalioe
|Paulia Trachenbaum
Wife of Issac (son of Naphtali-Zvi & Reizer) and their daughter Golda
|Moshe (Moshka) Trachtenbaum & wife Rachel
(daughter of Alter & Reizer Chochman) from Lipkani - died in Tashkent (Russia)
|Gitel, wife of Yechiel Tasharcas
A loyal companion, went in his way and assisted him in his work, community and Zionist. She drank the glass of poison during the deportation from Brichany. Her ability to see what was coming, and her proud independent spirit, allowed her to foil the plans of her attackers to tamper with her fate and spirit. With a clear mind she dove into the river's waters saving herself unbearable suffering to her body and soul.
Her sons Michael, Salom, Sarah and families
|David & Chaya Lerner and their son Moshe
David Lerner 65, his wife Chaya 61 - died in the Scoriani forest on their way to Transnistria 1941. Their son also died - burial place unknown.
|Noniya Livman
Born 1919 in Brichany, died at childbirth in Kibbutz Shamir
|Shmuel Leibman (Kreinis)
Died 1929
|Mania Milamn & Joseph Shtilvaser
Yiddish - Died of hunger and disease 1941
|Meikler Family
In memory of members of my family that died in Bershad, Transnistria.
|Nissan Sapir
Son of Moshe and Dvora
|Dr Menashe Kolker
Worked as a doctor in Brichany 1927-1938
|Shlomo & Ania Kaufman
Shloma (Shlomka) died in Bucharest in 1947 after returning from Transnistra at 76.
|Itzhak & Chava Castleman
Yiddish died at 67
|Aaron, Feige, Hershel, Shifra Steinhaus
Aaron 52
|Klienarman Family
|Misha & Gitale Farfar
|Meir & Sheindel Shvarzterman
|Moshe - David Snieder
Was shot on the way to Transnistria at 48
|Sarah Roitman
Daughter of Zeev - born 1916 died in 1946 in Bucharest, on her way to Eretz Israel
|Family of Yishayhu (Shia) Shiller
Son of Joseph Leib, born 1891, murdered in Transnistria,
JewishGen, Inc. makes no representations regarding the accuracy of
the translation. The reader may wish to refer to the original material
for verification.
JewishGen is not responsible for inaccuracies or omissions in the original work and cannot rewrite or edit the text to correct inaccuracies and/or omissions.
Our mission is to produce a translation of the original work and we cannot verify the accuracy of statements or alter facts cited.
Briceni, Moldova Yizkor Book Project JewishGen Home Page
Copyright © 1999-2016 by JewishGen, Inc.
Updated 10 Dec 2015 by JH


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Green Lacewings: Eat, Prey, Love Biocontrol
We've added a new insect delicacy to the menu for the dwellers in our Spider Pavilion. That's right, usually the ladies (and few gents), that call the spider pavilion home, get fed butterflies, crickets, and flies, but as of this week we've added green lacewings!
Whitebanded Crab Spider, Misumenoides formosipes, getting ready to eat a Green Lacewing, Chrysoperla rufilabris.
Green lacewings, belong to the insect order Neuroptera, also known as nerve-wings. Not only does this mean that most people have never heard of them, it also means they have complex designs, or "nerves" in their wings. Some might think that this translates into flying well, but alas, this group of insects...


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Drone double standard
An unsigned and undated Justice Department white paper, obtained by NBC News, reports The New York Times, "…is the most detailed analysis yet to come into public view regarding the Obama legal team's views about the lawfulness of killing, without a trial, an American citizen who executive branch officials decide is an operational leader of Al Qaeda or one of its allies."
The proviso is they must pose "an imminent threat of violent attack against the United States." If "an informed, high-level official" of the government decides they are a threat, the paper says, and if capture is not feasible, they may be killed.
There hasn't been a huge outcry from those on the left who attacked President Bush for his doctrine of pre-emptive strikes against terrorists. Recall, too, the vitriol directed at Vice President Dick Cheney for defending "enhanced interrogation" techniques on suspected terrorists in order to obtain information that might prevent new attacks against Americans.
The unclassified paper comes from the Justice Department's Office of Legal Counsel, which according to the Times, provided justification for killing the radical Muslim cleric Anwar al-Awlaki. Awlaki, born in New Mexico, was killed in an American drone strike in September 2011.
The white paper cites a national right to self-defense in wartime, but goes a step further. As summarized by The New York Times: "(It) emphasizes that the decision to kill a citizen in certain circumstances is not one in which courts should play any role, asserting that judges should not restrain the executive branch in making tactical judgments about when to use force against a senior al Qaeda leader."
Weren't some conservatives who made the same argument during the Bush administration criticized in certain newspaper editorials, and by liberal commentators and the Hollywood elite?
The white paper says that if a target poses an imminent threat to the U.S., and cannot be captured, the strike "would be conducted in a manner consistent with applicable law of war principles." It goes on to read, "A lawful killing in self-defense is not an assassination. In the Department's view, a lethal operation conducted against a U.S. citizen whose conduct poses an imminent threat … would be a legitimate act of national self-defense that would not violate the assassination ban."
The American Civil Liberties Union has been consistent with both the Bush and Obama administrations. It strongly — and wrongly in my view — criticized President Bush for his anti-terrorism policies. Reacting to the publication of the white paper, Hina Shamsi, director of the ACLU's National Security Project, called it "a profoundly disturbing document." "It's hard to believe," she added, "that it was produced in a democracy built on a system of checks and balances." She characterized it as "…a stunning overreach of executive authority."
She may have a point. One that should be debated in Congress. Appropriate committees should invite or, if necessary, subpoena the person, or persons, who wrote the document. U.S. citizens should know what kind of action constitutes "imminent threat." At present, the government's definition is a little cryptic.
Given the way some criminal lawyers have "gamed" the U.S. court system to free hardened criminals, the president might be justified in this approach, but the larger question of how much authority he should be allowed to have in these circumstances and whether U.S. citizenship alone should be enough to guarantee due process when there is substantial evidence someone is involved in plots to kill other Americans, is a subject worthy of congressional consideration.
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Putting A Pastor To Death For Being Christian?
Every decent person should speak out against this kind of behavior. An Iranian pastor who has refused to renounce his


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"Your radio show changed my life. As a result of listening, I converted to Catholicism at 53 years old. I was a very active Protestant my whole life before becoming a Catholic. Keep up the terrific work!"
"Those who belong to God and Jesus Christ ally themselves with the bishop."


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UW-L Alum receives Purple Heart from father during halftime
UW-La Crosse's Veterans Memorial Stadium lived up to its name Saturday.
Before the school's football game Saturday and during halftime, more than 3,000 people paid tribute to our nation's veterans.
It started with a special recognition of Marine Cpl. Gauge Griffin.
The 2009 graduate of G.E.T High School was severely injured last year while serving in Afghanistan.
His recognition was followed by a 21-gun salute, "Taps" and a moment of silence before the teams entered the field.
The Eagle Battalion ROTC then presented the colors before the national anthem.
The lead-up to the start of the game was an emotional one for Gauge's family.
"Every time you talk about it, you know, it opens that wound again," said Don and Kim Ziegler, Griffin's parents. "[You] kind of relive the experience. It's a celebration. It's happy tears that he's home."
A planned flyover before the game had to be cancelled because of bad weather conditions in Minneapolis.
Another special event took place during halftime when a UW-L graduate and service member was awarded the Purple Heart.
"I couldn't imagine what I was going to feel like," said Army 2nd Lt. Jason Church.
Heading out to the football field at half time Church said it's a familiar but different experience.
"It was my favorite sport I loved playing it," said Church, the former Eagle's football player. "I loved the game and to play it in college, and I look at the university and how it's embraced me as not only a student athlete, but also as an alumni and a veteran."
He joined the army in May and soon headed to serve in Afghanistan.
Months later, while on patrol, an IED exploded taking both of his legs below the knee.
It was something that changed his life forever.
"Just physically looking at the loss of my legs, I learned right there what I valued most, and you think about your family and you think about those that are close to you," said Church.
He's undergone 18 surgeries and months of rehabilitation.
Church wanted to come back to his Alma Mater to receive his purple heart in front of friends and family who cared for him most.
That includes his father, Col. David Church of the U.S. Army reserves who presented him with the honor.
"As parents, and certainly as an officer in the army, it was something I never wanted to do was to present my own son with a Purple Heart because he was injured in war, and I guess it just kind of catches up with you a little bit, and you appreciate the sacrifices he's made plus the sacrifices all the other veterans have made," said Col. David Church.
The emotions both father and son felt on the field were nothing they could have expected.
"I'm usually pretty decent at public speaking, but this has been pretty hard for me so I would again just like to say thank you," Church said to the audience.
"I just kind of lost it there," Church said later. "It was kind of tough there on the P.A. system."
While the road to recovery is still a long one, Church said he's thankful for such a strong support system cheering him on.
"I'm just glad that the community that embraced me as a student athlete and a football player, could embrace me again as a veteran, and that they could show their appreciation in a setting like this and that's something that I'm obviously always going to remember," said Church.
Church is heading back to Walter Reed Army Medical Center in the Washington, D.C., area where he'll continue intense rehabilitation.
Doctors said he should be up and walking with the use of a cane by the end of December and walking on his own with just prosthetics in a few months.
There will be a free Veteran's Breakfast Sunday.
Doors open at UW-L's Mitchell Hall at 8 a.m. with a special ceremony at 9 a.m. and breakfast at 10.
Copyright 2012 by WKBT News8000. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Universal Fit
Fanmusic MS-E1011
" Fanmusic is a distributor and a brand of Chinese audio-equipment which also has an eBay store. I was contacted by Tony, their manager a while ago and he informed me that they were working on an IEM (under their brand as far as I know), with a dual-dynamic setup in a metal housing with a user replaceable cable, simply named "MS-E1011". Tony offered to send me a..." --ItsMeHere
TDK EB750 Headphones
" These IEMs have an MRSP of $40. For that price they are not worth it. However, in many discount places, especially in Canada, you may find these @ $15 or less. If you find them for this price, grab them. I personally paid $10. Sound is great for the price. They look very rugged and feel solid, I believe they are made from aluminum. The cord is also tangle free and feels very nice...." --thug behram


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A new innovative tool that allows MCE customers to pay for energy efficiency investments through their PG&E bills is now widely available across Marin and Richmond. First Community Bank, based in Santa Rosa with a branch in Corte Madera, will provide financing to single-family homeowners. River City Bank, based in Sacramento, will provide financing to eligible multi-family and small commercial property owners wishing to participate in the program.
Qualifying multi-family and small commercial properties may apply for Green Biz Loans between $10,000 and $265,000 through River City Bank at a 5.0% interest rate for 5-10 year terms*. Qualifying single-family properties can apply for Green Home Loans between $2,500 and $30,000 through First Community Bank at 6.5% interest for 5-10 year terms. These loans can then be repaid over time on the customer's standard electric bill.
Financing is a critical step towards accomplishing energy efficiency upgrades, which ultimately save customers money on their utility bills. The initial costs associated with implementing an energy efficiency project can serve as a barrier for property owners who may be interested in making such improvements. The Green Loan program will help to alleviate this barrier.
MCE's Green Loans create a strong link between the anticipated energy savings resulting from the project upgrades and the cost of financing the project by tying the loan to the utility bill. In many cases, energy savings are sufficient to cover the monthly payments for the financing so that the total monthly charge on utility bills is less than or equal to the pre-investment amount. There is also evidence to suggest that customers tend to prioritize the payment of utility bills, which contributes to low default rates.
If MCE's program is successful in demonstrating lower default rates than anticipated, banks may become more likely to lend for energy efficiency improvements in the future and the cost of capital for these projects could drop over time. "Our Green Loan program will leverage our relationship with MCE customers improving access to funding for energy efficiency investment, especially for historically underserved markets such as middle income households, multifamily buildings, and small businesses," said Dawn Weisz, Marin Energy Authority Executive Officer. "The financing tool is another part of our community-oriented energy efficiency program designed to help our customers save money and reduce the amount of energy they use – that's good for their wallets and the environment."
*Introductory rates are subject to change without notice; other conditions apply.
For more information about MCE's energy efficiency program visit the MCE website or contact: Jamie Tuckey, Communications Director at 415.464.6024 or email@example.com.
About MCE: MCE is a public, not-for-profit electricity provider that gives customers the choice of having 50% to 100% of their electricity supplied from clean, renewable sources such as solar, wind, bioenergy, geothermal, and small hydroelectric at competitive rates. By choosing MCE, customers help support new in-state and local renewable energy generation. For more information about MCE, visit www.mceCleanEnergy.com or call 1 (888) 632-3674.
About Mill Valley and MEA: Visit the City of Mill Valley MEA page.
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- Worldwide Rank #118,192,860
- Follower/Following Ratio 0.11
- Daily New Followers 0
Victor López Twitter Stats
@0109victor - Tracking Victor López Twitter profile since January 30, 2015
Victor López Tweets
@0109victor has posted 1 tweets in the last 2 days, which translates to an average of 0.5 tweets per day.
Victor López Twitter Followers
@0109victor has 6 followers on Twitter.
This account is #118,192,860 in the worldwide rank of the most popular Twitter users.
Victor López Following on Twitter
@0109victor is following 56 Twitter accounts.
Last month this account followed 6 users.
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@0109victor will hit 6 followers in the next 3 months, and 6 in one year.
You are on Victor López's Twitter stats page
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June 7, 2013
ISAT and IAA 2013 scores on the Student Information System (SIS)
The 2013 preliminary results for ISAT and IAA are now available for district review in SIS. With the change in the ISAT cut scores this year, ISBE staff required additional time to review the results prior to posting for school district review and correction activities. ISBE is extending the correction window until Friday, June 21th at 4 PM.


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Vegetable Pita Pizzas-Gundersen Lutheran 500 Club
Vegetable Pita Pizzas
Makes 4 servings
Getting started Equipment you will need: baking sheet, small skillet, cutting board/knife, spoon, spatula Preheat oven to 400° Do right away when you get home: Action step 1
2 large whole wheat pita bread rounds
Cooking spray
1/2 cup assorted fresh vegetables (such as small broccoli or cauliflower florets, red pepper strips, sliced mushrooms, or chopped carrots)
1/4 cup pizza sauce
1/4 cup shredded mozzarella cheese
1. Place pita rounds on baking sheet. Bake for 5 minutes.
2. Meanwhile, coat skillet with spray and preheat over medium heat. Add vegetables. Cook and stir until crisp-tender.
3. Spread pizza sauce on pita rounds. Sprinkle with cooked vegetables and cheese. Bake for 8 to 10 minutes until lightly browned. Cut rounds in half.
Suggested Side Items: cottage cheese and apple slices
Tips: This recipe is great if you have leftover vegetables in your refrigerator. Use what you have on hand! Add other toppings such as pineapple or Canadian bacon, if desired. (This would change the nutrient analysis.) Shopping list: Large whole wheat pita bread rounds (2) Pizza sauce Assorted fresh vegetables of your choice Shredded mozzarella cheese
Check for: Cooking spray
Copyright 2013 by WKBT News8000. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Pink V-Neck Flower Pin Sweater
Style: 570116825
Out of Stock
Simply elegant v-neck pullover in pretty pink hue is sublimely soft with a cashmere feel. Optional flower pin blooming from the right shoulder can be removed and styled any which way you please.
- Contoured stretch fit.
- V-neckline and back.
- 3/4 sleeves.
- Wide banded hemline.
- Detachable flower pin.
- 36% nylon, 35% viscose, 24% polyester, 5% cashmere. Machine wash, cold. Imported.
- Approximately 23" in length from shoulder.
Read more… Read less…


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Wordsmith Talk
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#209030 - 01/15/13 12:16 AM Trying yet again
Carpal Tunnel
Registered: 03/15/00
Posts: 11613
Loc: Louisville, Kentucky
#209034 - 01/15/13 04:46 AM Re: Trying yet again [Re: Jackie]
old hand
Registered: 05/10/10
Posts: 954
Loc: Alaska
Jackie, I can read you post if I click "Quick Quote."Originally Posted By: JackieI was able to make one new post in Q & A and W & F but was unable to Reply or Edit, so I thought I'd try another new one here,
Here's what I tried to post:
According to the Detroit Free Press, Wayne State University "unveiled its annual list of the top 10 most useful--and underused--words in the English language":
Buncombe: Rubbish; nonsense; empty or misleading talk.
Cerulean: The blue of the sky.
Chelonian: Like a turtle.
Dragoon: To compel by coercion; to force someone to do something they'd rather not.
Fantods: Extreme anxiety, distress, nervousness or irritability.
Mawkish: Excessively sentimental; sappy; hopelessly trite.
Natter: To talk aimlessly, often at great length; rarely, it means simply to converse.
Persiflage: Banter; frivolous talk.
Troglodyte: Literally, a cave-dweller. More frequently a backward, mentally sluggish person.
Winkle: To pry out or extract something; from the process of removing the snail from an edible periwinkle.
#209035 - 01/15/13 04:48 AM Re: Trying yet again [Re: Tromboniator]
old hand
Registered: 05/10/10
Posts: 954
Loc: Alaska
But I can't edit my reply. This software has serious problems.
#209037 - 01/15/13 06:55 AM Re: Trying yet again [Re: Tromboniator]
old hand
Registered: 11/13/11
Posts: 1075
Loc: Lancaster, UK
I CAN'T read jackie's post by using "quote" - it was the first thing I tried because it has worked in the past.
but I have been able to edit this one!
Curioser and curioser. (said Alice, wonderingly)
Edited by Rhubarb Commando (01/15/13 06:56 AM)_________________________
I'm immortal until proven otherwise
#209041 - 01/15/13 11:44 AM Re: Trying yet again [Re: Jackie]
Carpal Tunnel
Registered: 06/24/02
Posts: 7210
Loc: Vermont
We should remember that Jackie has powers here that the rest of us don't; she's a Moderator. There may be some issue which only affects her, or perhaps, as Tromb suggests, there might be a problem with the forum software._________________________
formerly known as etaoin...
#209051 - 01/15/13 12:26 PM Re: Trying yet again [Re: Jackie]
Carpal Tunnel
Registered: 03/15/00
Posts: 11613
Loc: Louisville, Kentucky
Buffle, you may be right; I dunno. Not that I'm glad anyone else is having problems, but I'm glad I'm not the only one. Thanks, Peter.
#209052 - 01/15/13 12:27 PM Re: Trying yet again [Re: Jackie]
Carpal Tunnel
Registered: 03/15/00
Posts: 11613
Loc: Louisville, Kentucky
Wow, it's an odd feeling--that you're yelling at the top of your lungs but the crowd doesn't hear you.
#209055 - 01/15/13 12:30 PM Re: Trying yet again [Re: Jackie]
Carpal Tunnel
Registered: 06/24/02
Posts: 7210
Loc: Vermont
Yay!! Back from Mutedom!!
and here I thought perhaps you were staging a Mutiny....
;¬ )_________________________
formerly known as etaoin...
#209056 - 01/15/13 12:34 PM Re: Trying yet again [Re: Buffalo Shrdlu]
Carpal Tunnel
Registered: 06/23/08
Posts: 8541
Loc: Land of the Flat Water
I received your last two posts above, back from "mutedom".
As to the words.
I love "cerulean", and use the word whenever it fits.
Edited by LukeJavan8 (01/15/13 12:36 PM)_________________________
----please, draw me a sheep----
#209057 - 01/15/13 12:38 PM Re: Trying yet again [Re: Jackie]
Carpal Tunnel
Registered: 06/24/02
Posts: 7210
Loc: Vermont
> Buncombe
I've always seen this as Bunkum. Buncombe looks so English..._________________________
formerly known as etaoin...
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text:
Global Entrepreneurship Week features competition, champion ballroom dancing duo
The Ohio Northern University James F. Dicke College of Business Administration Entrepreneur Center is holding a Global Entrepreneurship Week from Nov. 13-16. The week will include pitch competitions for ONU students and a four-day visit from the champion ballroom dancing duo of Tim and Barbara Haller.
The week begins with the ONU Polar Innovation Exchange competition will commence at 5:30 p.m. ONU students are asked to prepare a brief oral presentation of no more than two minutes. This should be a concise and well-thought-out presentation of a new business or product idea. Props are allowed and encouraged. There will be two levels of competition. Level one involves all teams or individuals competing in front of a panel of judges. For level two, each team of judges will select a team or individual to move on to the second level of competition to determine the final winners.
The categories for the competition are ideas that improve society, high-tech commercialized products, as seen-on-TV products and new businesses that create jobs. First-level competition winners will receive $50, and second-level competitions will receive $750 for first place, $550 for second place and $350 for third place.
In addition to the competitions, the dancing duo of Tim and Barbara Haller will speak to classes throughout the week and hold a lecture on "Working With Your Spouse" on Thursday, Nov. 15. The week will conclude with a campus ballroom dance party on Friday, Nov. 16, at 6 p.m.
The Hallers are four-time United States Professional Theatrical Arts Ballroom Champions. By winning the National Championship Ballroom Dancing Title for the fourth time in 1999, the Hallers made ballroom competition history by becoming only the second theatrical arts dance team to win the title four times since the inception of the United States Ballroom Championships in 1971.


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Our preoccupation with the relative standing of universities and national education systems—illustrated by the growing popularity and obsession with university rankings—reflects the consensus that higher education is essential for economic growth, global competitiveness and a civil society. Universities and nations are being measured according to indicators of global capacity and potential in which comparative and competitive advantages come into play. The more globalization drives a single market in education, as it does in most goods and services, the more higher education is a beacon for investment and talent—the more this kind of barometer is inevitable.
Common factors influencing higher education
While each country and university faces particular and often unique challenges, there are common factors that affect most countries around the world today—issues that have become more acute since the global financial crisis in 2008. Let me focus on the three big challenges of the moment:
- Ensuring sustainable higher education systems at the same time that public funding is decreasing and competitiveness is increasing
- Improving the quality of the total student experience even as the demand for participation is growing
- Strengthening knowledge and innovation as drivers of growth while ensuring that multi- and cross-disciplinary critical inquiry is maintained.
"The more globalization drives a single market in education, the more higher education is a beacon for investment and talent."
Ensuring sustainable education systems
The application of knowledge is now widely acknowledged as being the source of social, economic and political power. Studies repeatedly show the strong correlation between educational attainment and social and economic advantages for individuals and society. Over the last decades, access to higher education has expanded from being a privilege of birth or talent or both (elite phase), to a right for those with certain qualifications (mass phase), to being an obligation for the vast majority of society and occupations (universal). However, the financial crisis has exposed fundamental weaknesses in the funding model that underpins higher education.
The impact of the financial troubles in California on its public university system is symptomatic of problems around the world. Whether funded from public or private sources, escalating costs and tuition fees have prompted The Economist to suggest that higher education could be the next bubble (Schumpeter, 13 April 2011). At the same time, higher education faces increasing competition from China and India. What is the best way to sustain mass higher education at a time of decreasing public funding and escalating global competitiveness? Can tuition fees continue to rise—and what are the implications for widening access to a more diverse student cohort? Are there new business models or financial instruments more appropriate to the new environment? What regulatory and governance frameworks would work best?
Improving the quality of student experience
The quality of higher education is coming under increasing scrutiny. If higher education is the engine of the economy, governments are looking for verifiable and measurable evidence of benefit and impact. Students, as consumers, are questioning the value-for-money of their study program relative to the tuition fee that they pay, or to the institution's status and reputation. Evidence of quality and the pursuit of excellence have become the key mantra dominating higher education, inside and outside the academy. Rankings have emerged as a simple shorthand for students and the public to gauge quality—but do rankings really measure what's meaningful? What level of accountability is required? As participation widens beyond the traditional student cohort, how should pedagogical methods and modes of learning adapt? To enhance the quality of the total student experience, what barriers should be eliminated?
Strengthening knowledge and innovation
The rising prominence and obsession with global rankings have highlighted the investment attractiveness of nations based upon the capacity of their universities to produce new knowledge and lead innovation. In response, many countries have spearheaded a review of their higher education systems. The world-class research university has become the panacea for ensuring success in the global economy and world science. Kansas and Texas want to improve the performance of their universities because they are a magnet for investment; Sri Lanka has announced a strategy to upgrade six universities. Malaysia has a similar aim, and so do Nigeria, Denmark, France and Germany, to name just a few. However, many of these developments are leading to the prioritization of scientific and technological research over investment in the arts, humanities and social sciences. Our societies face serious problems; unemployment is a major issue. But, at the time when scientific and social challenges require collaborative interventions from a multidisciplinary perspective, there is growing evidence that simplistic economic indicators are being used to measure research quality. These changes are impacting on and changing universities, often in perverse ways. As the emphasis shifts to translating knowledge more quickly into new products and services, how can we ensure that the breadth of intellectual inquiry required to underpin civil society is preserved?
Local change reflects global shifts
We often look upon changes within our universities as peculiar to them, a phantom of the management or the culture. But the changes being experienced are worldwide. It is no cliché to say that higher education and policymakers are facing major challenges.
This article by Dr. Hazelkorn is one of several essays featured in the OCLC membership report, Libraries at Webscale, a discussion document for the library community about the impact of the Web on our rapidly changing information landscape, with opinions and ideas from industry analysts, thought leaders and educators.
ISSUE 19 contents
- Index
- President's Report
- Act global, Act local
- The power of cooperation
- Connecting with the Community
- Regional Councils build community, shape path
- Supporting social metadata
- 3 key challenges facing higher education and policymakers
- It's an 'e' world ...
About the Author
Ellen Hazelkorn
Vice President of Research and Enterprise, and Dean of the Graduate Research School, Dublin Institute of Technology


text:
The mission of the Boy Scouts of America is to
prepare young people to make ethical and moral choices over their
lifetimes by instilling in them the values of the Scout Oath and Law.
The Boy Scouts of America is the nation's foremost youth program of
character development and values-based leadership training.
It comes as a surprise to many that Scouting is a solid, paid
profession. Today's professional scouters are a diverse group of men
and women sharing a dynamic career offering independence, achievement,
and stability. This is work that makes a difference... work that calls
one to continual learning and challenge... work that offers solid
compensation, benefits and advancement. We invite you to look at our
surprising profession through the stories of real professional
Scouters, one of whom might be a lot like you.
There are many opportunities for employment with the Boy Scouts
of America, from seasonal jobs at summer camps to a lifelong career.


text:
A new French study claims bras don't work and may be doing breasts more harm than good.
The 15-year study published this week found wearing a bra does little to ease back pain and could actually cause increased sagging.
"Medically, physiologically, anatomically, breasts gain no benefit from being denied gravity," the study's author, University of Besançon Prof. Jean-Denis Rouillon, told The Local. "On the contrary, they get saggier with a bra."
Rouillon, a sports science expert, spent years measuring changes in the orientation of breasts in 130 women ages 18 to 35 for the study.
One woman who participated told France Info she hasn't worn a bra in two years and can "breathe more easily. I carry myself better and I have less back pain."


text:
German fashion designer Karl Lagerfeld has used the finale of his Chanel haute couture show in Paris to signal his support for gay marriage.
At the end of his spring 2013 show in Paris's vast Grand Palais on Tuesday, two models in long white gowns with trains swept in accompanied by a small boy.
Speaking backstage after the show, Lagerfeld confirmed that it was intended as a show of support for gay marriage although he added that he was "less supportive'' of what he called gay couples "ordering babies''.
"I am not so crazy about that,'' he told reporters.
Asked about news the disgraced British designer John Galliano had been thrown a lifeline by fellow designer Oscar de la Renta, Lagerfeld said he hoped "something positive comes out of it for him''.
Galliano was sacked by Christian Dior and convicted last year in France of anti-Semitism after a video emerged of him hurling insults at people in a Paris bar.
"He made a mistake, but you cannot pay forever,'' Lagerfeld said.