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An Alliance for Health Reform Toolkit -
This toolkit will help you understand who the Medicaid program covers, how it is financed, how it differs from Medicare, how states can alter Medicaid through federal waivers, and what the future holds for the program. This resource also offers story ideas, selected experts with contact information, selected websites and a glossary.
This toolkit was compiled and written by Dinesh Kumar.
Key Facts
Selected ResourcesPlease email firstname.lastname@example.com if you find that any of the links mentioned in this toolkit no longer work.
Basics: Statistics, Eligibility, Costs
Federal and State Medicaid Financing
Medicaid Waivers
Reforms and Barriers to Enrollment - Federal Level
Reforms and Barriers to Enrollment - State Level
Medicaid & Children's Health
Medicare/Medicaid Dual Eligibility
Medicaid & Managed Care
Medicaid & Long-Term Care
Medicaid & Disparities in Care
Story Ideas
Selected Experts
Drawn from the Alliance for Health Reform's Find-an-Expert Service for reporters. Descriptions in quotes are written by the experts themselves. Credentialed reporters can see full profiles for these and other experts, including after-hours contact numbers, by going to www.allhealth.org/reporter_enroll.asp
Selected Websites
Glossary on the Uninsured
ADVANCEABLE TAX CREDIT - A subsidy to help pay for health insurance that is available when the insurance premium is due, without having to wait until a year-end tax return is filed. Also see "tax credit."
ACTIVITIES OF DAILY LIVING (ADL) - An index or scale which measures a patient's degree of independence in bathing, dressing, using the toilet, eating and transferring (moving from a bed to a chair, for example). Used to determine need for long-term care and eligibility for payments for care by insurers.
ACUTE CARE - Medical services provided to treat an illness or injury, usually for a short time. Contrast with "chronic care."
BLOCK GRANT - A lump sum of money given to a state or local government to be spent for certain purposes. Normally, it is based on a formula, the objectives are broadly defined and the grant's source places relatively few limits on the money's use.
CAPITATION - Method of payment for health services in which a health care provider is paid a fixed amount for each person on the provider's patient roster, regardless of the actual number or nature of services provided to each person.
CARVE-OUTS - A payer strategy in which an HMO or insurance company isolates ("carves out") a benefit and hires another organization to provide this service. Common carve-outs include behavioral health and prescription drugs. The technique is intended to allow the insurer to better control its costs.
CASE MANAGEMENT - A process where a health plan identifies covered persons with specific health care needs, then devises and carries out for them a plan to achieve the best patient outcome in the most cost-effective manner.
CASH AND COUNSELING - A Medicaid long-term care waiver demonstration program that allows certain Medicaid beneficiaries to purchase their own personal care and related services. Medicaid provides a monthly allowance, the amount of which is determined after assessing the beneficiary's need for community-based long-term care services. Starting in 2007, states may implement similar capped programs covering costs of self-directed personal care services without a waiver.
CATEGORICAL ELIGIBILITY - Medicaid's eligibility pathway for individuals who can be covered. The program's 25+ categories can be organized into five broad groups - children, pregnant women, adults in families with dependent children, individuals with disabilities and the elderly. Certain individuals, notably single adults without children, cannot qualify for Medicaid, even if their incomes are low enough to meet financial eligibility standards.
CHRONIC CARE - Medical services provided to those a chronic condition, one that is not expected to improve, that lasts a year or longer or recurs, and may result in long-term care needs. Chronic illnesses include Alzheimer's disease, arthritis, diabetes, epilepsy and some mental illnesses. Contrast with "acute care."
CHURNING - The cycle involving a person's enrollment in a health insurance program (such as Medicaid or employer-sponsored coverage), then losing eligibility, the regaining it and re-enrolling.
COINSURANCE - A portion of the bill for a medical service, that is not covered by the patient's health insurance policy and therefore must be paid out of pocket by the patient. Coinsurance refers to a percentage, e.g., 10 percent of the total charge up to a specified maximum. Contrast with "copayment."
COMMUNITY HEALTH CENTER (CHC) - Organization providing comprehensive primary care to medically underserved populations, regardless of their ability to pay. These public and non-profit entities receive federal funding under Section 330 of the Public Health Service Act, as amended.
COPAYMENT - A flat dollar amount that a patient must pay out of pocket for a medical service, e.g. $5 per office visit.
COST SHIFTING - The practice by which a seller of a health service, such as a hospital, increases charges for some payers to offset losses due to uncompensated or indigent care or lower payments from other payers.
CROSS-SUBSIDY - The concept of certain purchasers paying more for medical services than they otherwise would so that others can pay less (or nothing at all), or another activity can be funded. In the U.S. health system, this mechanism has been used to pay for medical services for the poor and uninsured, medical education and research.
CROWD-OUT - A phenomenon whereby expansions of public programs designed to extend coverage to the uninsured encourage some employers to drop coverage, or cause some employees to enroll themselves and/or family members in public coverage programs rather than employer-sponsored coverage.
DEDUCTIBLE - A fixed amount, usually expressed in dollars in the form of an annual fee, that the beneficiary of a health insurance plan must pay directly to the health care provider before a health insurance plan begins to pay for any costs associated with the insured medical service.
DEFICIT REDUCTION ACT OF 2005 (DRA) - The DRA made significant changes to the Medicaid program - for example, allowing states to increase premiums and cost-sharing for families and to base benefits on private plans. The law also tightened long-term care asset transfers and capped the amount of home equity that can be disregarded in measuring eligibility at $500,000. A DRA provision in effect since July 1, 2006 requires Medicaid beneficiaries to show proof of citizenship upon applying for or renewing their benefits. For more information, see www.kff.org/medicaid/7465.cfm.
DEFINED BENEFIT - A health insurance model used by an employer or government program where specified health services covered under the plan are standardized and guaranteed. The cost of providing the standard benefits may fluctuate. One example of a defined benefit plan is Medicare. Contrast with "defined contribution."
DEFINED CONTRIBUTION - A health benefit model used by employers or government programs where health services covered may fluctuate based on choice of plan, but the employer or government contributes a set amount (percentage or dollar amount) towards the purchase of the selected health plan. A defined contribution plan limits the financial liability of employers or the government, because the contribution is defined, or fixed. An example of a defined contribution plan is the State Children's Health Insurance Program. Contrast with "defined benefit."
DISPROPORTIONATE SHARE HOSPITAL (DSH) ADJUSTMENT - An increased payment under Medicare's prospective payment system or under Medicaid for hospitals that serve a relatively large number of low-income uninsured patients.
DUAL ELIGIBLE - A Medicare beneficiary who also receives either a full range of Medicaid benefits offered in his or her state, or help through Medicaid with Medicare out-of-pocket expenses. For more information, see www.cms.hhs.gov/DualEligible. Also see "qualified Medicare beneficiary" and "specified low-income Medicare beneficiary."
FEDERAL MEDICAL ASSISTANCE PERCENTAGE (FMAP) - Percentage used to determine the amount of federal matching funds for state Medicaid expenditures. By law, FMAP cannot be less than 50 percent or exceed 80 percent. Slightly higher Enhanced Federal Medical Assistance Percentages are used to determine matching payments for the State Children's Health Insurance Program (SCHIP). These payments cannot exceed 85 percent of the state's total SCHIP expenditures. For more information, see http://aspe.hhs.gov/health/fmap07.htm.
FEDERAL POVERTY GUIDELINES - Income amounts set each February by the U.S. Department of Health and Human Services used to determine an individual's or family's eligibility for various public programs, including Medicaid and the State Children's Health Insurance Program. Sometimes called Federal Poverty Level/Line (FPL). (The poverty guidelines are different from the U.S. Census Bureau's "poverty thresholds," which are used for Census statistical purposes.) For the 2007 poverty guidelines, see http://aspe.hhs.gov/poverty/07poverty.shtml
HEALTH INSURANCE FLEXIBILITY AND ACCOUNTABILITY (HIFA) DEMONSTRATION INITIATIVE - A Bush Administration initiative to encourage states to apply for certain Medicaid Section 1115 and SCHIP waivers. HIFA waivers make it possible for states to offer private health insurance coverage or employer-sponsored coverage, with subsidies, as an alternative to enrolling beneficiaries in traditional Medicaid or SCHIP. For more information, see www.cms.hhs.gov/HIFA
HEALTH OPPORTUNITY ACCOUNT (HOA) - A type of health savings account for Medicaid beneficiaries created by the Deficit Reduction Act of 2005 . States may deposit annual sums of up to $2,500 per adult and $1,000 per child into the account, to be used to pay for medical expenses not covered by the high deductible health plan with which the account is coupled. Beginning January 1, 2007, as many as 10 states could initiate HOA demonstration projects. Compare to "Health Savings Account" and "Health Reimbursement Arrangement."
HEALTH REIMBURSEMENT ARRANGEMENT (HRA) - A type of health insurance plan also known as "health reimbursement account" or "personal care account," HRAs are tax-preferred accounts with funds established by employers to reimburse employees for qualified medical expenses; often HRAs are paired with a high-deductible health plan. An HRA may be used by an employee to pay for medical coverage until funds are exhausted. Once the deductible is reached, normal coverage begins. Any unused funds are rolled over at the end of the year, but do not follow the employee once he or she changes jobs. Compare to "health savings account."
HEALTH SAVINGS ACCOUNT (HSA) - A type of health insurance plan similar to a Health Reimbursement Account, but which is owned by workers. An HSA is a tax-preferred savings account and is paired with a high-deductible health plan. Any employer can offer an HSA (or a self-employed individual can set one up on his or her own), and both employers and employees can contribute to it. The worker must pay for all services until the amount of the deductible is reached (in 2007, a minimum of $1,100 for an individual and $2,200 for family coverage). The worker can withdraw money from the HSA to pay for medical services under the deductible. Once the deductible is reached, normal coverage begins. Any unused funds are rolled over at the end of the year. Unlike HRAs, HSAs follow an employee when he or she changes jobs. Also see "health reimbursement arrangement."
HOME AND COMMUNITY-BASED SERVICES (HCBS) - State-designed HCBS encompass case management, adult day care, home health aide assistance, personal care, assisted living services and respite care. Section 1915(c) of the Social Security Act permits the HHS Secretary to approve Medicaid waivers that allow for long-term care services to be delivered in community instead of institutional settings. The Deficit Reduction Act also created a new capped HCBS option that allows states to offer these services without having to obtain administrative waiver approval. See "Medicaid Section 1915 Waiver."
HOME HEALTH CARE - Health services rendered in the home, including skilled nursing care, speech therapy, physical therapy, occupational therapy, rehabilitation therapy and social services. Medicare covers some home health care services if the beneficiary is homebound but does not require more than 35 hours of services per week. Medicaid pays for home health care services in 12 states.
HOME HEALTH AGENCY (HHA) - Health care provider organization that renders skilled nursing and health care services in the home. See "home health care."
INSTRUMENTAL ACTIVITIES OF DAILY LIVING (IADLs) - Activities relating to independent living, which include preparing meals, keeping a budget, purchasing groceries, performing housework and using a telephone. IADLs refer to skills beyond basic self care, or "activities of daily living."
INTERGOVERNMENTAL TRANSFER (IGT) - Transfer of funds among or between different levels of government, including state-owned or operated facilities and local governments. The term is most often used in Medicaid, where transfers of non-federal public funds to the state Medicaid agency are used to draw down federal matching funds. States also use IGTs to draw down federal "disproportionate share hospital adjustment" and "upper payment limit" funds.
LONG-TERM CARE (LTC) - Ongoing health and social services provided for individuals who need continuing assistance with activities of daily living and/or instrumental activities of daily living. Services can be provided in an institution, the home or the community, and include informal services provided by family and friends as well as formal services provided by professionals or agencies. Medicaid is the primary payer of LTC services in nursing homes.
MANAGED CARE - Care provided by a health care organization, such as a health maintenance organization (HMO) or preferred provider organization (PPO), that contracts to provide medical services to a group of enrollees in exchange for capitated monthly premiums. Payments to physicians and other practitioners in HMOs are often lower than fee-for-service payments.
MEANS-TESTING - Determining eligibility for government benefits based on an individual's lack of means, as measured by income and/or assets. Under Medicaid, means-testing differs for different eligibility groups (see "categorical eligibility").
MEDICAID - Public health insurance program that provides coverage for an estimated 60 million low-income persons for acute and long-term care. It is financed jointly by state and federal funds (the federal government pays at least 50 percent of the total cost in each state), and is administered by states within broad federal guidelines. Contrast with "Medicare."
MEDICAID SECTION 1115 WAIVER - Under Section 1115(a) of the Social Security Act, the secretary of Health and Human Services may waive most provisions of Medicaid law for demonstrations "likely to assist in promoting the objectives" of the program. Under long-standing policy, these waivers must be cost-neutral. Demonstration waivers may be granted for research purposes, to test a program improvement, or investigate a new way of delivering services.
MEDICAID 1915 (b) AND (c) WAIVER - Under Section 1915(b) of the Social Security Act, the secretary of Health and Human Services may waive any provision of Medicaid law that prevent states from limiting beneficiaries' ability to choose providers. Section 1915(b) waivers are often sought by states that hope to control costs through managed care. Under Section 1915(c), the Secretary can allow states to obtain matching funds for long-term care services provided to Medicaid beneficiaries in home and community-based settings. Waivers are effective for two years.
MEDICALLY NEEDY - A Medicaid category for income eligibility in which states can choose to cover individuals and families who quality for coverage because of high medical expenses, usually for hospital or nursing home care. To qualify, individuals must be categorically eligible and their monthly incomes minus accumulated medical bills must be below state income limits for the Medicaid program. This allows Medicaid coverage for people who have extensive health care needs but too much income to be eligible for Medicaid. Also see "spend-down."
MEDICARE - Federal health insurance program for virtually all persons age 65 and older, and permanently disabled persons under age 65, who qualify by receiving Social Security Disability Insurance. Contrast with "Medicaid."
MEDICARE SAVINGS PROGRAM - A series of Medicaid-financed provisions enacted by Congress beginning in 1988 to assist Medicare beneficiaries who do not qualify for a full Medicare benefits package. People enrolled in MSPs are often referred to as "dual eligibles" because they are usually eligible for both Medicare and Medicaid.
PREMIUM ASSISTANCE - The use of federal funds available through public health coverage programs -- especially Medicaid and the State Children's Health Insurance Program -- to purchase or help purchase private insurance.
PRIMARY CARE CASE MANAGEMENT, INITIATIVE, OR CLINICIAN - (PCCM/PCI/PCC) - A Medicaid managed care program in which an eligible individual may use services only with authorization from his or her assigned primary care provider. That provider is responsible for locating, coordinating, and monitoring all primary and other medical services for enrollees. Those services are usually paid on a fee-for-service basis.
QUALIFIED MEDICARE BENEFICIARY (QMB) - A person who is eligible for Medicare, has an income below 100 percent of the federal poverty level and has limited assets, is eligible to receive cost-sharing assistance if enrolled in the Qualified Medicare Beneficiary program. Under the QMB program, state Medicaid agencies are required to pay the cost of Medicare Part A and B premiums, deductibles, and coinsurance. For more information, see www.cms.hhs.gov/DualEligible. Compare to "specified low-income Medicare beneficiary."
SAFETY NET PROVIDERS - Providers that have a primary focus of servicing low-income and uninsured people. They include community and migrant health centers and public hospitals.
SECTION 1115 WAIVER - See "Medicaid Section 1115 Waiver"
SECTION 1915 (a) AND (b) WAIVER - See "Medicaid 1915 (a) and (b) Waiver"
SPECIFIED LOW-INCOME MEDICARE BENEFICIARY (SLMB) - A person who is eligible for Medicare, has an income of between 100 to 120 percent of the federal poverty level and has limited assets, is eligible to receive cost-sharing assistance if enrolled in the Specified Low-Income Medicare Beneficiary program. Under the SLMB program, state Medicaid agencies are required to pay the beneficiary's Part B premiums, but not deductibles or copayments. Also see "qualified Medicare beneficiary." For more information, see www.cms.hhs.gov/DualEligible.
SPEND-DOWN - Process by which individuals in many states can qualify for Medicaid because high medical expenses, usually hospital or nursing home care, reduce their monthly income to below state income limits for the Medicaid program. The amount that each individual must "spend down" is determined at the time eligibility is determined. Also see "medically needy."
STATE CHILDREN'S HEALTH INSURANCE PROGRAM (SCHIP) - A program enacted by Congress in 1997 that provides federal matching funds for states to spend on health coverage for uninsured kids. The program is designed to reach uninsured children whose families earn too much money to qualify for Medicaid but not enough to afford private coverage.
SUPPLEMENTAL SECURITY INCOME (SSI) - A federal income support program for low-income disabled, aged and blind individuals. Eligibility for SSI monthly cash payments does not depend on previous employment or contributions to a trust fund. Eligibility for SSI usually confers eligibility for Medicaid.
TEMPORARY ASSISTANCE FOR NEEDY FAMILIES (TANF) - The block grant program that, in 1996, replaced categorical welfare assistance such as Aid to Families with Dependent Children. Under TANF, time limits are set for cash benefits, and recipients are expected to accept work or be enrolled in training programs. TANF was reauthorized in 2005 as part of the Deficit Reduction Act with $16.4 billion in annual funding through FY 2010. For more information, see www.acf.hhs.gov/programs/ofa/.
TRANSITIONAL MEDICAL ASSISTANCE (TMA) - Medicaid coverage for up to one year for families leaving welfare to become self-supporting through work. During this transition period, states are required to continue Medicaid benefits even if earnings increase. For more information, see http://opencrs.cdt.org/document/RL31698/.
UPPER PAYMENT LIMIT (UPL) - Federal regulatory payment limit governing what states can pay eligible public facilities for Medicaid services. The UPL is usually the rate Medicare would pay for the same service. In some cases, states request federal matching funds in amounts that exceed the state's standard Medicaid reimbursement rate, and use the new revenues generated for other goods or services. Also see "Intergovernmental Transfer."
1 Congressional Budget Office, "Statement of Donald B. Marron, Acting Director: Medicaid Spending Growth and Options for Controlling Costs," Testimony before the Special Committee on Aging, U.S. Senate, July 13, 2006. http://www.cbo.gov/ftpdocs/73xx/doc7387/07-13-Medicaid.pdf
2 Centers for Medicare and Medicaid Services, "2006 Medicaid Managed Care Enrollment Report," June 30, 2006. http://www.cms.hhs.gov/MedicaidDataSourcesGenInfo/Downloads/mmcer06.pdf
3 Kaiser Commission on Medicaid and the Uninsured, "New Survey Indicates Medicaid Enrollment Declines for the First Time in Nearly a Decade," Oct. 10, 2007. http://www.kff.org/medicaid/kcmu101007nr.cfm
4 Kaiser Commission on Medicaid and the Uninsured, "The Medicaid Program At a Glance," March 2007. http://www.kff.org/medicaid/upload/7235-02.pdf
5 Kaiser Family Foundation State Health Facts, "Total Medicaid Spending FY 2006," http://www.statehealthfacts.org/comparetable.jsp?cat=4&ind=177. This page also included individual spending for each state in 2006.
6 National Association of State Budget Officers, "The Fiscal Survey of States," June 2007. www.nasbo.org/Publications/PDFs/Fiscal%20Survey%20of%20the%20States%20June%202007.pdf
7 National Conference of State Legislatures (2007). "State Budget Actions FY 2006 and FY 2007." http://www.ncsl.org/programs/fiscal/sba06sum.htm
8 Kaiser Commission on Medicaid and the Uninsured, "Medicaid: A Primer," March 2007. http://www.kff.org/medicaid/upload/7334%20Medicaid%20Primer_Final%20for%20posting-3.pdf
9 Rowland, Diane (2005) "Medicaid - Implications for the Health Safety Net," New England Journal of Medicine 353(14): 1439-1441. http://content.nejm.org/cgi/content/short/353/14/1439
10 Kaiser Commission of Medicaid and the Uninsured, "The Medicaid Program at a Glance." March 2007. (www.kff.org/medicaid/7334-02.cfm)
11 AARP, "The Medicaid Matching Formula: Responding to States in Times of Need," March 2007. http://assets.aarp.org/rgcenter/health/fs134_medicaid.pdf
12 Kaiser Commission on Medicaid and the Uninsured, "State Fiscal Conditions and Medicaid," October 2006, p. 2. http://www.kff.org/medicaid/upload/7580.pdf
13 Robert Pear, "Planned Medicaid Cuts Cause Rift with States," New York Times, Aug. 13, 2006.
14 David M. Cutler and Jonathan Gruber, "Does Public Insurance Crowd Out Private Insurance" National Bureau of Economic Research Working Paper No. 5082, April 1995, http://www.nber.org/papers/w5082.v5.pdf, cited in Andrew M. Grossman and Greg D'Angelo, "SCHIP and 'Crowd-Out': How Public Program Expansion Reduces Private Coverage." Heritage Foundation, June 21, 2007. http://www.heritage.org/Research/HealthCare/wm1518.cfm
15 Kaiser Commission on Medicaid and the Uninsured, "Vermont's Global Commitment Waiver: Implications for the Medicaid Program." May 2, 2006. http://www.kff.org/medicaid/7493.cfm
16 Centers for Medicare and Medicaid Services, "Medicaid State Waiver Program Demonstration Projects - General Information," http://www.cms.hhs.gov/MedicaidStWaivProgDemoPGI/


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Next week we're bringing you the chance to glimpse back in time to the very beginning of the universe with the critically acclaimed documentary Particle Fever screening Thursday, October 9 in the Wortham Giant Screen Theatre at 6:00 p.m.
"Wait a second," you might say, "how can this documentary show us the beginning of the universe? I'm pretty sure cameras came along much later."
Well what if I told you that scientists have built a machine capable of re-creating the conditions of that very, very, very, very hot, small, energetic place that would eventually come to be the universe as we know it.
Along the way these scientists also invented a handy little thing called the internet (sorry, Al Gore). You might've heard of it… No? Google it.
These are the scientists at CERN in Switzerland and over the past several decades they've designed and built the Large Hardron Collider, which is the biggest machine ever made.
"The large whaaaaaa?"
It's basically a 5 story tall, 27 kilometer long tunnel, lined with computers, 100 meters underground capable of making particles collide with one another at extremely fast speeds so they break up into their fundamental pieces. This can give us a better idea of why the universe looks and behaves the way it does.
In this exciting, fast-paced documentary we get a front-row seat to the frontier of scientific discovery. We watch as scientists' entire careers hang in the balance, waiting to see what will come out of these experiments. Told through interviews and stunning animation, in a very "approachable-and-interesting-even-if-you-failed-high-school-physics" way, this film will inspire you, much like the scientists it features, to seek out every answer you can about the "everything there is" — the universe.
Particle Fever, showing October 9 in the Wortham Giant Screen Theatre at 6:00 p.m.
Watch the video below for a fantastic intro to the experiments at CERN:
This video delves a little further into just why these scientists are so bent on discovering new particles:
Film Screening
Particle Fever Film Screening
Thursday, October 9, 6 p.m.
Join Hadron Collider researcher Dr. Paul Padley of Rice University for this one-night-only screening of the film Particle Fever at HMNS. Click here for tickets.

subset: commoncrawl


text: Longitude (deg): -2.4. Latitude (deg): 50.5. Longitude (deg/min): 2° 20' W. Latitude (deg/min): 50° 30' N. Vice county name: Dorset. Vice county no.: 9. Country: England. Stage: Worm. Identified by: Malcolm Storey. Comment: under rocks at edge of tidal pool. Category: macro-photograph. Image scaling: highly enlarged. Real world width(mm): 0. Photographic equipment used: Canon EOS400D digital SLR and MPE 65mm x1 to x5 macro lens.


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The inauguration of Barack Obama now looks like the world's best chance to break free of the climate trap.Laboratory has helped pioneer research on energy efficiency, solar energy, and cellulosic "second generation" biofuels. Last year he announced a $500 million deal with BP to fund a new Energy Biosciences Institute at Berkeley. "We are seeking industry partnerships," he said then. "We seek solutions. We don't seek, dare I say, science papers anymore."
If green tech is good enough for Americans, then everyone will want not just to make it but to use it as well.America usually ends up driving the world. If Obama goes for a smart super-grid, you can almost guarantee that Merkel and her fellow Europeans will suddenly get more enthusiastic about a super-grid scheme quietly being promoted there to hook up to solar energy from the Sahara desert. A grander version would also tap geothermal energy from Iceland, hydropower from Scandinavia, and wind power from the North Sea.


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Number of Required Coins
: 43
Current Finest Possible Set Rating
: 62.384
View Set Composition
( Shop )
The money used in the American colonies included a diverse assortment of coins and tokens. Some were made on American soil (with or without legal authority), others were made in foreign lands expressly for circulation in the Colonies, and others were never meant to circulate here, but did.
This Basic Design Set includes one example of each readily attainable major type of early coins and tokens used by the colonists. The toughest items to locate are the Higley Copper, New York Excelsior and Myddleton Token. Most of the remaining items are available, and with patience and a bit of searching the Basic Design Set can be completed.
This set that is rich in history, intrigue, and the romantic vision of beginning life in a new world. Learning about American history is a great side-benefit of collecting early American coins and tokens.
Notes: This set has bonuses. Please see the Set Composition for a listing.


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Deadline April 15 for Cape May County Residents to Apply for Full Scholarships
April 7, 2009
Cape May County residents have until April 15 to apply for a full-tuition, two-year Marjorie Ward Leaders Scholarship at Atlantic Cape Community College.
The ACCC Foundation established the scholarships in honor of the late Cape May County resident, Marjorie Ward, who bequeathed $500,000 to ACCC. Under terms of her will, ACCC created an endowment to fund scholarships for Cape May County students.
ACCC selects Cape May County residents annually as "Marjorie Ward Scholars" to receive full tuition to the college for two years, leadership skills training and support from the college's Office of Student Services.
Scholarship criteria include demonstration of leadership potential through school, community, civic or athletic activities; a grade point average of 2.5 or above; and financial need. Applicants must graduate from high school within the year in which they apply for the scholarship. Recipients will be selected in mid-May.
Ward was a retired educator who passed away in 2005 at the age of 105. She taught for many years in the Montclair school system and retired in 1958 to Cape May.
For more information and a copy of the scholarship application, contact ACCC's Financial Aid Office at (609) 343-4935, or visit www.atlantic.edu/finaid/scholarships.htm.


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Winter Break on a Budget!February 18, 2012
I have been trying to come up with some ideas to keep my kids busy during winter break. We have made plans to have a couple play-dates with friends but I've recently been on the hunt for some more activities to fill up the week! Since our winter is mild this year, there's a good chance they won't be playing in the snow. I would love to keep the cost of activities to a minimum so I've come up with a few ideas that won't break the bank! Here are a few ideas I had in mind:
1. Park
I plan on taking them to the park a couple of times to let them burn off some steam. I'm hoping to bring lunch or snacks so we won't have to leave when they get hungry.
2. Museum
I'm hoping to make it over to a local children's museum that's pretty inexpensive. I think the kids will have a good time. What I love about museums is there's usually something for everyone.
3. Library
What's great about the library is they often have free story times and crafts with the kids after. Not only that, the kids love picking out books with their very own library card. Funny how the little things make them so happy!
4. Sledding
My kids have been praying for snow all winter. We are hoping that their wish comes true, however we are also debating on taking them up north for the day so they can go sledding or maybe even try skiing.
5. Arts and crafts
I love doing projects with my kids. My oldest son is a huge fan, which is great because it keeps him entertained. My four-year old usually lasts 15 minutes and the baby, well he's just into coloring right now! I'm hoping I can find something for all of them to enjoy. My search continues and I will let you know what I find!
6. Movie night
My kids love when we do the occasional movie night. I usually set up three sleeping bags on the floor and they each get their own bowl of popcorn. I may just let them stay up later than usual a couple of nights as a special treat too.
7. Start planting seeds
I'm going to have my kids start planting some seeds. What's great about this project is that it's really inexpensive and enjoyable. Once the warmer weather comes, you can put them in the ground, which is a lot of fun for them. I'm hoping this will help them eat their vegetables too!
8. Local pet shop/farm
Sometimes I take my kids to the local pet store to look at all the animals. They love seeing the puppies. My youngest is a big fan of the fish. It's a great way to keep them entertained even if just a half an hour!
9. Take a mystery walk
There's nothing more exciting to kids then a last minute adventure. I am going to take them for a walk next week. Before I go, I'm going to write down everything they need to find. I'll give them a job to check off their items on their list. I may have to draw a picture of the objects for my daughter. I am also going to try this at the grocery store too!
10. Use their imagination!
I think it's so important to let kids be kids and not entertain them every minute of the day. While I hope to have a little something planned throughout the week, I'm really hoping they use their imagination and do a lot of pretend play.
What are your kids doing for winter break? How do you keep them entertained on a budget?
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Adebayor still working hard - AVB
Andre Villas-Boas has launched a staunch defence of Emmanuel Adebayor and backs the misfiring striker to rediscover his best form to help get Tottenham into the Champions League.
- Related Content
Despite his history with Arsenal, Adebayor won the affection of Spurs fans last year, topping the club's scoring charts with a return of 18 goals in 37 matches while on loan from Manchester City.
Since the 28-year-old signed a permanent deal at White Hart Lane last summer, he has been unable to find the net as regularly, however.
Adebayor has scored three goals in 24 games so far this term, and his performances have lacked the energy and passion he showed last season, leading some supporters to question the striker's commitment to the cause.
Spurs boss Villas-Boas shirked at that claim tonight, and tipped the former Real Madrid hitman to find his scoring boots soon - starting with Thursday night's Europa League last-32 second leg at Lyon.
"He can still be the player we saw last season," said the Portuguese, who has to start Adebayor tomorrow as Jermain Defoe is out with an ankle injury.
"We're trying to unlock the best out of the player. Last year shows as an example for what we're trying to get out of him.
"Strikers live off goals and we're doing everything we can to try and unlock his full potential."
Supporters of Arsenal and Manchester City have accused Adebayor in the past of giving up shortly after strong starts at their respective clubs.
With four points separating Spurs and Arsenal in the hunt for Champions League qualification, and a place in the last 16 of the Europa League up for grabs tomorrow evening, Villas-Boas needs his striker back in form quick and he thinks the player will not be affected by the criticism that has come his way in recent weeks.
"I'm not sure if it bothers him," the 35-year-old said.
"Players build their own motivations. Perceptions and media opinions can influence the public in general, but I think the player strives on his own motivation in the end.
"I think (he's working as hard).
"The injuries he had and the African Nations Cup took him out for lots of games and Defoe's form this year had been magnificent."
Tottenham's impressive recent form - they have not lost in the Barclays Premier League since December 9 - comes in complete contrast to the form of their bitter north London rivals.
Arsenal's long wait for a trophy now looks set to stretch to eight years following their 3-1 defeat to Bayern Munich last night.
The Portuguese had a warning for any Spurs fans revelling in their rivals' disappointment, however.
"It doesn't help (Spurs) because Arsenal will put even more focus on their Premier League run and getting results right," the former Porto boss said.
"In an ideal world to have Arsenal continue in that competition and getting tired playing in the Champions League would be better for us in terms of reaching our objective."
That objective is to get Spurs back in to the Champions League, of course.
That does not mean the north London club will shy away in their attempts to win the Europa League, however. Villas-Boas lifted the trophy in 2011 with Porto before embarking on an ill-fated stint at Chelsea which lasted 256 days.
He now wants to win the trophy again to help ease the pain of his short-lived reign at Stamford Bridge.
"After the disappointments I went through last year it would be great to grab the chance of a European trophy," he said.
"We won the Europa League with Porto. Both are top clubs."
Gareth Bale's two stunning free-kicks in last week's 2-1 win against Ligue 1's second-placed side mean a 0-0 draw tomorrow at the Stade de Gerland will see Spurs through to the last 16, where they are likely to meet Inter Milan.
The Spurs boss confirmed today that, as was the case in the first leg, Brad Friedel will start in goal ahead of former Lyon captain Hugo Lloris.
"We've decided to keep this rotation policy," Villas-Boas said.
Click here for completely free £10 bet with Sky Bet & £5 free every week


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Maintenance of Ruby 2.0.0 ended on February 24, 2016. Read more
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Mortadella and Fig Focaccianini
- Fig Spread:
- 2 cups dried figs, stems removed and halved
- 3/4 cups balsamic vinegar
- 1 teaspoon sugar
- Sandwich Build:
- 4 squares focaccia bread
- 8 ounces Italian sharp cheese, such as Fontinella, or asiago, sliced
- 1 pound mortadella, thinly sliced
- Olive oil, for brushing
DirectionsWatch how to make this recipe.
For the fig spread: Bring the figs, 1 cup water, balsamic and sugar to a simmer in a small pot. Simmer until the figs rehydrate and the liquid reduces and thickens, about 15 minutes. Let cool. Once cool, place in a food processor and puree until smooth, 20 to 30 seconds.
For the sandwich build: Preheat a griddle over medium-low heat or heat a panini press. Slice 1 focaccia square in half. Place a thin layer of the fig spread on the inside of both halves. Place a couple slices of cheese on the bottom, and then place 4 ounces mortadella on top. Close and lightly brush the bread with olive oil. Griddle the sandwich until golden and warm, about 4 minutes a side. Repeat with the remaining ingredients.
Grab daintily with one hand and bite like a maniac.
Recipe courtesy of Jeff Mauro
Cooking Tips
More Recipes and Ideas
Glazed Figs
Recipe courtesy of Food Network Kitchen
Brown Butter Fig Tartlets
Recipe courtesy of Food Network Kitchen
Sicilian Fig Cookies
Recipe courtesy of Food Network Kitchen


text: The Southern Alps : Where Ski Resorts Boast Sun & Snow ! With no less than 65 stations enjoying a unique location between the sea and the mountains, the Southern Alps are the ideal destination for your winter holidays. Here, snow and sun are certainly waiting for you! There's something to satisfy everyone, experienced skiers and beginners alike. By Justine Fiordelli Tweet Very popular with inhabitants of the French Riviera as well as with tourists, the ski resorts of the Southern Alps are very appealing, offering miles of trails fully equipped with ski lifts and high-altitude restaurants. Open from late November to mid-April, when the season is at its height, they are located only half an hour from Nice and three and a half from Marseille. Between family-style, villagey ski resorts and more trendy ones with sea views, the choice is vast. Among the best known are Auron, Isola 2000 and Valberg, located in the Mercantour Valley and considered international ski resorts with over 135km of skiable terrain, but also Pra-Loup and La Foux D'Allos, located in the Alps of Haute-Provence. Next come the smaller stations near villages such as La Colmiane, located in the Mercantour Valley, or Gréolières Les Neiges, located in the Grasse hinterland near Opio. If skiing remains the favorite, the ski resorts of the Southern Alps overflow with many other activities: ice skating, snowshoeing, hiking, tobogganing, visiting the famous park of Mercantour, spas or aquatic centers... There's something for everyone ! Nature Valberg, ski resort located in the Mercantour Valley Snow-covered houses DR Ski resort of the Southern Alps Snow and sun DR


text:
Dear Foresters!
Great news, great news! We're going to have a Volunteer Room during August, where the Screenprinting Room used to be. This is going to be the space for Forest volunteers to take a break, rest for a while and take a deep breath before heading back to the Forest augustfunmadness.
But to make this happen, we could use some help for a couple of points:
a) we're thinking of taking the sofas from the hall and bring them to the Vollie Room. Anyone fancy giving us a hand doing this? Also, anyone thinks this is not a good idea?
b) our flat is going to give away the blue sofa for this volunteer-rest cause. We definitely could use some help moving this one to the Forest... Anyone available to help us with this? Tea and cake can be provided on location as a thank you.
c) we need matresses. Two. Do you have a spare one? Or two? Please let us know. And, then again, if we do get the matresses we're going to need help moving these.... more cake, more tea can be provided on location


text:
You limited your search to:
Partner: UNT Libraries
Department: Economics
Decade: 1930-1939
Collection: UNT Theses and Dissertations
The Conflicts in the American Labor Movement During the 1929 to 1939 Depression Period
Date: August 1939
Creator: Freeman, William H.
Description: This thesis is an examination of organized labor in the United States during the 1930s. Activities of the American Federation of Labor, Industrial Workers of the World, and Congress of Industrial Workers during the decade are compared and contrasted throughout.
Contributing Partner: UNT Libraries
Legal Status of Labor in Great Britain and the United States
Date: June 1939
Creator: Richardson, Addran Dee
Description: An investigation of the legal status of labor in Great Britain and the United States. The basis of labor legislation is considered, and the development of labor legislation traced in both countries. A comparison of the legal status of labor at the present time in both countries is made. - Abstract
Contributing Partner: UNT Libraries
An Analysis of the Factors Affecting Consumer Co-operation in the United States
Date: May 1939
Creator: Davidson, Curtis D.
Description: A study of consumer cooperation in the United States relating to education, labor, business, religion, and government.
Contributing Partner: UNT Libraries
A Study of Soil Erosion and its Control in the United States with Special Reference to Texas
Date: June 1939
Creator: Merrell, Jesse Byron
Description: A study of soil erosion in the United States, especially in Texas, which brings attention to the causes of soil erosion under the existing system of farm management. The material gathered and compiled and arranged under certail main heading. Two chapters deal with present and immediate causes of erosions and their results. One full chapter takes up the history of the conservation movement and attempts to show how slow Texans have been in comparison with some of the other states of the United States. The study calls for further research, teaching of better land-use, raising awareness of soil erosion causes and conditions.
Contributing Partner: UNT Libraries


text:
Trustees' Meeting
February 25, 2003
Use this list to access a particular exhibit. The exhibits were either too voluminous or fashioned in a program not compatible to include in the actual minutes.
Item #5 – Power Allocations under the Power for Jobs Program
Exhibit 5-A
Item #7 – PSC – Refrigerator Contract – Public Housing Energy Efficiency Program - Award
Exhibit 7-A


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Skip to comments.Credit Repair Services (Help please)
Posted on 11/08/2012 6:27:43 PM PST by VastRWCon
Hello Freepers, asking for help from the smartest people I know of. My daughter got into a lot of credit problems, and well dear old dad is trying to help her out. I was wondering if anyone knows of a good reliable credit repair company. I am not so interested as cleaning up her credit as I am in getting all the different bills that she owes into a single monthly payment so that they can all be paid in full. Yes there are a lot.
Don't pay them,what is the worst that could happen?
I think she would be best off contacting the following folks
debt counselors of America has been used by a couple of folks I know. It does more than just charge you money to give you stupid ways to repair your 'credit'. Your daughter needs help in learning how to handle money not in repairing her credit.
This is a non profit and they do good work
Lexington Law Firm
I've heard a number of times that most of the "credit repair" services are rip-offs.
I seem to recall is something like "Consumer Credit Counseling." But I'm fairly certain this isn't a "credit repair service."
I would strongly advise checking out the web sites of Dave Ramsey and Clark Howard. They may have good information that could help.
Or check out Dave what's his name. Someone posts his advice on FR.
If they have defaulted and gone to credit collectors, there's no sense in paying anyone. Her credit score will be bad for 7 years no matter how much you pay anyone.
Those credit repair services are crooked and generally strike a deal that benefits them financially, not your daughter. Have her call the creditors and try to make her own deal. Bottom line would be "I'll pay regularly what I can or I'll pay you nothing."
After seven years, non-Federal debt disappears from her credit report. One strategy is to let the existing debt expire. If she turns over a new leaf, the credit bureau computers should recognize her new financial trend and over time bump up her credit rating.
First check with your state government or hers if she is out of state. You need to know which ones they approve. Ohio has some such "laws."
Second find an attorney. You say there is a lot...well an attorney will help you and her decide if consolidation or bankruptcy is the better choice.
Keep in mind bankruptcy comes in several forms one is payback and the other is write-off. An attorney will help you sift through the options and may be able to stall the debt collectors while you and her are in the process of sorting things out.
I was in the same hole years ago right after graduation from jr college. Then I had to go to university. Credit counseling services are legit, especially for mine but my company was located in canada. They consolidate EVERY bill I owed, and all creditors literally backed off as they had to face this one company. Basically those creditors stopped harassing me as the company sent them cease&desist letters.
Now your main problem is down to this one company, instead of multiple creditors who want to, which is a good thing. This was how I learned to live "off the grid" to avoid being found out by those creditors—to avoid say, more letters or repo guys. Paying cash for apartment with a fake name, making sure the internet,phone bill was attached to the landlord, buying a disposable phone etc. I learned how to live like a spy..Heck, I should write a book about living undetected.
Your first step is to burn the credit cards and make sure she doesn't combine all of them into one payment and then start building debt again.
You have to quit it Cold Turkey.
I remembver a story of a guy who put all of thebills in a hate and drew as many out each month as he could pay. If he got any crap from a creditor he didn't put their name in the hat next month.
That would be Dave Ramsey.
He has a course (I think it costs a couple of hundred bucks) that teaches about money and financial responsibility etc etc.
I believe you're thinking of Dave Ramsey
be wary of credit counseling agencies; many of them are ripoffs, and using one - so i'm told - has the same impact on your credit report as declaring bankruptcy
get the numbers together, and make arrangements with each creditor individually if possible
most reputable firms are happy to help you work out a plan you can stick to, but note: if you say the magic words "bankruptcy lawyer", they will not talk to you at all
Renegotiation of the payment terms is essentially chapter 7. She is better off consulting a bankruptcy attorney for advice.
Most of the credit repair services are rip offs. The only way to repair your credit is to pay your bills consistently over time.
Many many stories of people who use those services who only end up with more debt and several years of pain.
I went through this with my daughter several years ago. I used it as an opportunity to teach some lessons that I had apparently neglected in her formative years. I told her that I would deal with any and all collection agencies and collectors but that she would need to get two jobs and turn over her paychecks to me. I then gave her an allotment that was reasonable to live on and used the rest to pay her bills. Each time I recieved a bill from a collection agent I called them explained the situation and offered them a settlement. Each and every one settled for approx. half what she owed. She had to be present and on speakerphone while I negotiated with her creditors(my rule) and she learned quite a lot about how to deal with people. When one agent swore at me I politely informed him that he was in violation of the fair credit laws and that I would call him again next month and that all future communication with him would be recorded(necessary in the state of NY). Dave Ramsey recommends a similar approach. Be sure to get agreement in writing prior to making payment. At the end of the process she was proud of herself for paying everyone off with her own money. She has had no further debt issues. Good luck.
Wow, great advice from you Freepers, keep it coming and thanks! I will have her read this thread.
I listen to Dave Ramsey sometimes, completly forgot about him, thanks!
Contacting the creditors and working out a deal, sounds like really good advice too!
I have your answer!
I found a place on the web called creditboardsdotcom about 6 years ago when my husband and I got into trouble. If you and your daughter will take the time and read the newbie section and then ask questions, you will be able to rebuild. It will not happen overnight, but if you are committed to credit repair, you will succeed. Do not pay someone to do what you can do for yourself. A credit repair will do the same thing and take just as much time. You will feel a great sense of accomplishment and your daughter will learn to be more responsible with her money and credit.
BTW....after I cleaned mine and my husbands credit, we both have scores in the low 700's and many credit cards and low car payments, and we bought a new house in 2011!
Good Luck, you CAN do it!
Its generally easy to get a loan after bankruptcy. They know they have at least 7 years to get their money out of you because you can't do it again.
The only people you can pay to improve your credit is the creditors.
It's happened to a lot of people. The credit bureaus, each one, have a wealth of knowledge on the subject on their individual websites. Also, the website of consumer advocate, Clark Howard, www.clarkhoward.com, has a lot of advice and you can ask questions of a professional. if you're looking to consolidate everything, you have to find someone who can loan you the money. With bad credit, it's not wise to do that. You end up working with loan sharks. Unfortunately, the only other solution is to do it through an attorney....a form of bankruptcy. If your daughter chooses not to pay anything, they'll drive her nuts with collections for the next twenty years. The main thing is to get a plan, stick to it, and be patient. I would check out Clark Howard. Sometimes the creditor will entertain an offer just to be able to close the account.
Stop. She needs to pay them, not come up with a gimmick
Note: I am going to help her pay them all off(a month or two if possible), its not the money I am worried about, its getting them all known, balances, and who to pay so that the credit agencies are reported that they are paid in full. Her credit will have to repair the natural way over time.
Again, thank you Freepers sooo much for the replies!!! Please keep them coming as she will be reading this thread.
no such thing. If she can't handle debt responsibly there are 2 tracks. bankruptcy or negotiating a no interest repay. both will impact her credit score, but calling and working out a long term payout will in the long term prove she is a good debt.
collection agencies buy bad debt for pennies.
Most of the credit repair businesses are NOT reputable and will only make her life even worse.
I would suggest that she consider filing chapter 13 bankruptcy. With chapter 13, her payments are rolled into a single payment and chapter 13 is structured so that she will not only be debt-free in 5 years, but her credit report will not reflect that she declared bankruptcy. This way she gets a fresh start with a clean credit record.
HOWEVER . . . . her credit report will likely still reflect that she had several accounts that were late and sent to collection. I don't think that the aftermath of chapter 13 will remove that from her credit report until a full seven years have passed. Nonetheless, IMO, this is her best chance to clean up her debts and start fresh.
it's called filing for chapter 13 bankruptcy, one simple monthly payment
Please consider bankruptcy, consult an atty who does a lot of that work, as it has gotten very complicated.
get her credit report off freecreditreport.com to find out all her creditors
"its called filing for chapter 13 bankruptcy, one simple monthly payment"
Best way. Then let time take care of everything else.
Don't do anything without going to the Dave Ramsey site.
IMO, first thing is to call an attorney. If some of the debt is already in the hands of collection services, she might be advised to discontinue payment of all non-secured bills. I believe in Chapter 7 bills must be 90 days delinquent before the attorney can actually file with the court. Don't bother paying for anything that she wants to make "good" on. All bills except for a few (student loans and taxes) will be part of the bankruptcy. Once you've hired an attorney, give collection callers the attorney name & ph#. Good Luck. Hope she learns that cash is king.
Yes. The current collection company that owns or is assigned the debt for collection is allowed on her report with the original creditor of the debt.
So, if she defaulted on a loan with ABC Auto loans and they sold or assigned the debt to XYZ Collections then both can be on her credit report.
I suggest you go to www.creditinfocenter.com and www.creditboards.com for info on cleaning up the reports. Much of it she can do her self. I am not sure paying someone to fix it for you is going to help. Most of the consolidation companies are owned by the very creditors she has.
no, stop. being a white knight is never good. I get the desire to help her. The question is how to help her. The issue is enabling. If this is a one off then ok. Sit down and make sure the entire problem is known. It's time to be father not bank, law not rug.
Credit repair services are gimmicks and generally not worth the hassle of dealing with them. For the most part, they are owned by junk debt buyers and profit handsomely from providing a minimal amount, if any, real assistance to deal with the problem.
If you are serious about helping her consolidate the debt into a single payment, your only real choice is to go take out a loan and pay off the debts and have her make the loan payment to you each month to ensure that you don't risk your credit for the sake of hers. Depending on how much damage has been done to her credit, you may be able to co-sign for a loan to consolidate the debts, but in the end, you're still on the hook for the loan amount. If you take this road, I would gather her bills, call each of the creditors and negotiate a payoff amount - doing so in conjunction with a request for a 'pay for removal' may help salvage her credit (offer to pay the balance within 48 hours if they report the debt as paid on time and paid in full).
If you insist upon a firm to assist, I would recommend Lexington. They operate differently from other 'repair services' and can find a solution, but it will not be inexpensive nor a cure all.
Good Luck!
Dave Ramsey, he has a website and radio show. Love listening to him.
Cut her loose. It'll take awhile but it can be resolved if you just let her face the music
Although I've never needed one everything I've read strongly suggests that those outfits are,at best,useless...or worse.If things are that bad bankruptcy may be the answer.And then hope she learns a valuable lesson.
BTW, I'm learning tough love on my kids..It's hard but, some times they need to do this on their own.
Give it at least two years and then go to reputable car dealers, not the ones who sent you the offer and got your name off the public filing. By this time, her credit score will be in the 680-720 range and you will actually get decent rates, maybe 3.5% or 4% from reputable dealers if you make a decent down payment.
Better yet, if she doesn't need a car, give it well more than two years. Her credit score goes up automatically every few months as she pays off debt.
He's asking for a trustworthy way to help his daughter. He isn't footing the bill.
Your advice sucks
"no, stop. being a white knight is never good. I get the desire to help her. The question is how to help her. The issue is enabling. If this is a one off then ok. Sit down and make sure the entire problem is known. Its time to be father not bank, law not rug."
You have no idea how much I agree with you. I have two sisters that got into similar trouble when they were young adults, and my parents rescued them. Long story short, nothing has changed and they are in their 40's and 50's. They still expect someone else is going to rescue them, and they try to make everyone in the family feel guilty for not doing so. "what's going to happen to my kids?", etc.
This needs to be nipped in the bud. You have to make her go through the pain and pay it off herself, so she can learn from it, or it is going to happen over and over, and you'll end up having to pick up the pieces your entire life.
"Hes asking for a trustworthy way to help his daughter. He isnt footing the bill.
Your advice sucks"
Yes, he is trying to help his daughter, but he has also stated that he is going to pay off the bills for her. Please read reply #22:
I did miss that. Big mistake
Credit repair companies are like unions.
They represent themselves .
Don't ignore calls. Pay anything you can afford. No company is going to go broke if you string the payment along , especially large companies and doctors offices.
I have a $3000 doctor bill I'm paying $30 a month. It's gonna take a while.
Have many other doctor bills paying monthly also.
It's not revenge for the high bill. Just paying what I can budget.
Most companies are sympathetic to some extent as long as your making effort to pay your debt.
You can also loan your daughter money and only charge interest you lost.
Or no interest knowing you will get paid back sometime. Even deduct for Errons she helps family with.
Every time you make a payment the 7yr clock starts over.
I do appreciate the fact that your paying your debt. It took me 6 years to pay off old debt from the mid 90's but I did and felt much better about it.
My credit score went from 630 to 770 after steady progress. I plan to keep it there.
A very close friend of mine is currently using Christian Debit out of Florida (for what it's worth). He is satisfied with the work they have done, and continue to do.
OOPS, meant Christian Debt.
You cannot repair the credit. You will suffer the same as if you go bankrupt. At least if you go bankrupt, you wipe out the debt.
Peter Frances Geraci says so.
I'll repeat for you dummy. You want to help the kid? Cut her loose and tell her to grow up
To VastRWCon,I believe this was directed to you from Morris70:
Credit repair companies are like unions.
They represent themselves .
Dont ignore calls. Pay anything you can afford. No company is going to go broke if you string the payment along , especially large companies and doctors offices.
I have a $3000 doctor bill Im paying $30 a month. Its gonna take a while.
Have many other doctor bills paying monthly also.
Its not revenge for the high bill. Just paying what I can budget.
Most companies are sympathetic to some extent as long as your making effort to pay your debt.
You can also loan your daughter money and only charge interest you lost.
Or no interest knowing you will get paid back sometime. Even deduct for Errons she helps family with.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
AS A SENIOR IN 2013ACWPC Division II All-American ... WWPA All-Academic ... ACWPC All-Academic ... All-WWPA Second Team ... WWPA All-Tournament First Team ... UCSDtritons.com Athlete of the Week (9/9) ... Led UCSD with 48 goals ... Also tallied five assists and 19 steals ... Scored four goals and grabbed two steals against No. 4 Cal (9/7) ... Recorded a hat-trick against Concordia (9/21) ... Scored a career-high five goals against Pomona-Pitzer (10/13) ... Found the back of the cage three times and grabbed three steals versus Loyola Marymount (10/13) ... Scored three goals and drew three ejections against UC Irvine (11/9) ... Tallied three goals and two steals in the WWPA semifinal against Santa Clara (11/23) ... Scored twice and grabbed one steal in the NCAA Championship play-in game against St. Francis (12/5).
AS A JUNIOR IN 2012ACWPC All-Academic ... WWPA All-Academic Team ... Tallied nine goals, six assists, 21 steals and 18 ejections drawn ... Scored his first goal in Triton colors against UC Irvine at the NorCal Tournament (9/15) ... Had a season-high two goals against Claremont-Mudd-Scripps (10/26).
AT USCScored his first career goal as a freshman in 2009 vs. Whittier (11/6) ... Redshirted the 2010 season.
HIGH SCHOOLA 2009 graduate of nearby Carlsbad High School ... Helped the Lancers win a sixth straight CIF title as a senior ... Named 2008 CIF San Diego Section Player of the Year and league, county and Union-Tribune Player of the Year as a senior ... A two-time All-CIF First Team pick ... Also a two-time All-League and All-County First Teamer ... Second-team All-American in 2008 and fifth-team in 2007... Team won the CIF San Diego Section Division I championship all four years (2006-09) ... Member of the USA Junior National Team in 2009 ... Played club for San Diego Shores ... An honor student, was named to Union-Tribune All-Academic teams and a USA Water Polo Academic All-American in 2008 and 2009.
PERSONALBorn July 11, 1991 in La Jolla ... Parents are Glenn and Marcellina Friedrich ... Has one older brother, Jimmy, who played water polo at USC (2008-10) and UC Irvine (2011) ... Pursuing a Master of pacific international affairs (MPIA) at the School of International Relations and Pacific Studies (IR/PS) with a minor in international management ... Favorite sports team is the Los Angeles Lakers and favorite athlete is Marshawn Lynch.


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- Part of Collection:
- Subjects:Research Skills, Teacher Tips and Strategies
One Look Back, Two Steps Forward: Reflecting and Setting New Goals at the End of the School Year
- Grades: 3–5, 6–8, 9–12
Where did the year go? It seems as though I was staring at a sea of unfamiliar faces just yesterday. In a few weeks, I'll be sending them on to 7th grade. Before sending them off, I take a few moments to have them reflect on the year. What was their favorite unit? What was the most important thing they learned? How could I make their learning experiences better?
Where did the year go? It seems as though I was staring at a sea of unfamiliar faces just yesterday. In a few weeks, I'll be sending them on to 7th grade. Before sending them off, I take a few moments to have them reflect on the year. What was their favorite unit? What was the most important thing they learned? How could I make their learning experiences better? Then I collaborate with colleagues for about an hour, comparing notes, celebrating our successes, and discussing areas to target.
As hectic as these last few weeks are, it is important to take time to reflect on the year and create personal and professional goals while everything is fresh in your mind.
Photo credit: iStockphoto/Tommydickson.
It is hectic at the end of the school year. We have a never ending list of responsibilities: state testing, field trips, report cards, award ceremonies, concerts, and the many end-of-year reports and tasks. Still, it is important take a few minutes to reflect on the year and make goals. Did you accomplish what you expected? What did you do well? Which units felt successful? Which units should you revise or enrich? What are your strengths? Weaknesses? Were your discipline policies effective? Why or why not? Could you have connected to the students better? Parents? Did you make time to collaborate with colleagues?
Setting Personal Goals
In my travels, educators often ask me, "Where do you find the time?" I confess: I am addicted to teaching. Before I complete one endeavor, I am already taking on another. It doesn't matter what it is. If it is related to education, it has my attention. Sometimes I question my sanity and ask, "Why did I commit to this?" But, when the next opportunity comes along, I just can't let the ship sail without me. However, it is important to balance work and play in order to maintain mental and physical health. It is the life experiences that enrich your classroom experiences.
I suggest adding one goal at a time. Otherwise you risk becoming overwhelmed and giving up. For instance, this spring, I started walking with a friend for 45 minutes before school. It is a positive start to the day. I have not yet selected my personal goal for next year. There is so much to choose from: family activities, friendships, volunteering, travel, hobbies, or writing a book. Phillip Martin, a social studies teacher, professor, artist, and writer, travels the world and shares his experiences with the class and the world on his Web pages. So, if you are like me and struggle with separating your personal time and school time, travel to places that feed your teacher's soul. The world is your playground.
Photo Credit: iStockphoto/mattgeacock.
Setting Professional Goals
The curriculum alignment process (CAP) is an evolutionary process. Each summer I work on my curriculum, selecting one educational goal based on my end-of-year reflections and data. Make sure when you set a goal that it is achievable. I try to limit myself to one or two goals. This year I worked on differentiating instruction by focusing on Gardner's Multiple Intelligences and offering more choices in the classroom.
Race to the Top (RTTT) and the Common Core State Standards (CCSS) are prioritizing my choices this year. In the April 28, 2011, Webinar sponsored by the New York State Education Department, David Coleman, coauthor of the CCSS, suggested setting a goal to integrate the CCSS into at least one unit per grading period or semester. Fortunately, I had taken the online course Understanding by Design, and had revised my thematic units over the summer. It was well worth the effort because now I have converted four units, one for each semester. The thematic units are closely aligned to the CCSS because I integrate fiction, nonfiction, and poetry.
At the beginning of the year, I wrote a blog post on thematic units, "Bridging the Gaps With Multigenre Thematic Units," which discusses the theory and template for designing a unit. My "Children of the Holocaust" and "Hitting a Home Run With Civil Rights" posts provide materials for designing thematic units. For more information on the CCSS see my May 10, 2011, post, "Common Core State Standards."
I will also be analyzing my local and state assessment data from my current and incoming students to identify gaps in my curriculum and student strengths and weaknesses. In the past, I would informally evaluate my students' background knowledge before a unit. However, I am pondering designing pretests and post-tests for each unit to provide evidence of student growth, which contributes to local data that is required for the new APPR evaluations.
Student Feedback
Don't overlook student feedback when planning for next year. Your toughest audience is your students, but they are the ones in the classroom with you every day. They will be brutally honest, which is what you want if you are seeking growth. Last year, I learned that I need to integrate more music into the classroom. That was an easy fix, and, and as you can tell from my post on motivating middle school students, it did improve my classroom environment. They love to give feedback on classroom management, procedures, and homework policies. Students often have extremely creative solutions to problems. Sometimes they provide this feedback by writing a reflection during a class period. Other times they write feedback on the last page of their final exam.
Teacher Collaboration
There is an old saying that there is strength in numbers. When I started at Lowville Academy, I was blessed with a fabulous mentor, who turned out to be a great friend and resource. We meet on a daily basis to share strategies, goals, and setbacks. We are on the same grade level team and share the same planning period, so it is easy to meet with her. I have a few other very close colleagues that are inspirational. We share resources, ideas, and moral support. We meet before or after school, share through emails, and go out to lunch whenever possible. Working as a team is motivational and inspirational.
It is much more fun to collaborate with colleagues in an informal setting. Last summer, I hosted my English colleagues at my house. I made a light lunch and we discussed our goal to vertically align our curriculum. When teachers at higher grade levels mention areas of weakness, I try to support them by scaffolding skills at my grade level. Working as a team means we all take responsibility for the level of success on state assessments. Before leaving for the summer, we set a date to collaborate and go out to enjoy a summer luncheon.
Keeping a Journal
Next year, I am going to keep a daily reflection journal. The reflection is therapeutic. It helps to keep perspective and serves as a reference to monitor my progress toward my goals. I am starting with personal and professional goals, professional contacts, wish lists, and daily reflections. Linda Shalaway's great article "Keep a Teaching Journal" discusses the benefits of and offers suggestions for an educational journal. Jim Burke designed The Teacher's Daybook, available at Heinemann. A simple notebook or daily journal is perfectly fine, if you want to customize your own.
Please feel free to share your ideas and goals below.
Comments (8)
Dear chummel99,
Thank you for posting. I am glad you found practical and useful tips. Enjoy your summer. ~Mary
We journal all year and print it every 6 weeks but i have never required my students to reflect and maybe write a summary of the events of their ____ (grade) year what a great idea.
Dear ATL Teacher,
I am thrilled that you found my blog worthy of sharing with your blogger friends. Enjoy your summer! ~ Mary
I just featured your post on my blog that shows teachers' reflections from the school year. You can view it here: http://forcuriousteachers.blogspot.com/2011/06/so-how-was-your-school-year.html
- @ATLTeacher on Twitter
Hi, Michael!
End-of-year feedback in generalized compared to end-of-unit feedback. For example, one of my former students suggested more music throughout the year. Sometimes they comment on units that they liked or disliked.
I do not have a formal form that they fill out. I offer 5 bonus points on the final exam. It is open; however, they do have to make 3 comments.Students write about what they learned or identify areas where they needed more help. I encourage them to make suggestions for improving my class as this information is highly beneficial. Kids have the best ideas, so I appreciate their suggestions.
If you are looking for a formal survey, Melissa Kelly offers a few questions to guide you: http://712educators.about.com/od/teachertips/qt/tip_1213x.htm
I am a pre-service teacher, and I enjoyed reading this post. Especially thought-provoking was the section about seeking student feedback. Do you usually do this in a formal way at the end of the school year or over the course of it? What suggestions have you received that you think would be most beneficial for new teachers to know?
Thank you.
Thank you for sharing. Pushing student is not always easy; however, my favorite part about teaching is pushing the student, watching them succeed, and witnessing the pride they feel when they do succeed. Have a nice summer. ~Mary
This is correct! I absolutely agree. A teacher must push his students to a certain point where they are motivated. They should be able to know what they want, and these things are very helpful. Thanks for sharing!


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High On Fire -- Vancouver, British Columbia -- July 8th, 2010
Ahhh, this was such a great show. High On Fire, Russian Circles, Skeletonwitch, three great bands together for one awesome night. This was the last show I attended in Vancouver before moving back to Saskatoon. This is a review I wrote shortly after the show, enjoy...
This was my 5th time seeing High on Fire (3rd time in 9 months), second time seeing Skeletonwitch, and first time seeing Russian Circles. I was looking forward to this show, as I knew how good HOF and Skeletonwitch are live, and had heard nothing but good things about Russian Circles. Despite that, it totally exceeded my expectations.
I had seen them in October with The Black Dahlia Murder. At the time I wasn't familiar with their stuff but they ended up being my favorite band of the show, and I became a fan. This time around I knew a fair amount of their stuff (just off of Beyond the Permafrost and a couple others, but that made up a fair portion of their setlist).
Once again they absolutely destroyed as a live band. Surprisingly there wasn't much crowd movement at all (though people seemed to enjoy them), the "pit" consisted of the same four people running around slamming into each other. The band themselves were super tight and pounded through song after song of their short set. I thoroughly enjoyed them and hope to see them again soon.
Upon Wings of Black
Sacrifice for the Slaughtergod
Stand Fight and Die
Crushed Beyond Dust
Beyond the Permafrost
Repulsive Salvation
Within My Blood
And a few others that I wasn't familiar with
Russian Circles
They were supposed to go on at 8:45 but soundcheck took a little longer for them and they didn't start until about 8:55. I had liked the stuff I'd briefly listened to on their myspace and had heard lots of good things about their live show, but nothing prepared me for just how awesome they were. The music itself was incredible, but the individual members were all super skilled too.
Their guitarist in particular had a ton of effects pedals, and had a crazy "repeat" effect where he would play a riff and then it would keep looping and he would play another riff on top of that, basically making him two guitarists in one. He also had lots of sweet tapping riffs that he did.
There's really not much I can describe about this band, you have to see them live to really "get" them. They were absolutely mind blowing, and easily one of the best live bands I've ever seen, I could've gotten kicked out after their set and the show still would've been worth my time and money. I highly recommend checking them out if you haven't, though again, you have to see them live to truly appreciate them.
They also won over a lot of people, I think. At the start of their set there was just a small, minimal amount of clapping and cheering (the same type of response you'd expect for some local opener nobody's really there to see), but when they finished their set the crowd was literally chanting "one more song". Musically, they weren't as fast or brutal as the other two bands, but by the time they finished playing I don't think there was a single person in the room that could say they didn't belong on this tour.
A whole bunch of awesome songs that I wasn't familiar with at the time of the show... sorry, wish I had a full setlist for them
High on Fire
Russian Circles had finished around 9:35, so things were slightly behind schedule. High on Fire started around 10:00 rather than 9:45. One of the tech guys had put the setlist within view on the stage before they started. I didn't have my glasses so I couldn't tell what any of it was, but a few of the guys next to me were discussing it so I knew a few of the songs and when they would be played.
Right around 10:00 they finally started. They had a cool intro with some flanging guitar and then some prerecorded stuff played - I think it was from the intro to Bastard Samurai, which made me think that would be their opening song. But they came out and burst into Frost Hammer.
I started off in second row but shortly enough (in the first song or two) ended up getting into the front row, pretty much right in front of Matt Pike once again (as has been the case 4 of the 5 times I've seen HOF). As awesome as it is, the only downside is that Matt Pike's stack of amps tend to drown out everything else when you're right in front of them, so all I could really hear was the loud droning guitar, everything else was extremely faint. And those amps are LOUD, despite wearing damn good earplugs I had slightly, but noticeably ringing ears the rest of the night after the show.
After Frost Hammer, they burst into one of my favorites, Devilution, which they hadn't played the last two times I saw them (I had heard the guys next to me saying it was the 2nd song though, so I knew it was coming). Throughout their set they played through some more new stuff, but also threw in some older stuff too. They played Hung, Drawn, and Quartered which was awesome to hear, the first time I'd heard anything from Surrounded by Thieves other than Eyes & Teeth.
Overall I was actually really pleased with the setlist, much more variety than I had expected. Last couple times I saw them (particularly last time they were headlining) I was disappointed by the setlist being the same as always and kind of predictable, but this time they finally switched it up a fair amount. They played more new stuff including Fire Flood and Plague, and did a fair mix of songs from their other albums.
Finally Matt Pike said this was gonna be their last song, and they burst into Fury Whip. Again, I'd heard that it was gonna be the last song, so I knew it was coming. After it was done they put their stuff away and left, but everybody was chanting for more and they came back and finished with Bastard Samurai. I don't know if that was planned or not, because I've never seen them do an encore before, and it wasn't on the setlist, and they looked like they were genuinely done after Fury Whip, but either way it was sweet.
Frost Hammer
Hung, Drawn, and Quartered
How Dark We Pray
Rumors of War
Blood From Zion
Fire Flood and Plague
Cometh Down Hessian
Snakes for the Divine
Fury Whip
Bastard Samurai
Overall an incredible show, easily the best show of the year so far for me, the best show I've seen in Vancouver, and I think one of the best shows I've seen in general. Truly awesome, every band was stellar and worth the price of admission alone. I got a sweet new HOF shirt and bought a Russian Circles double LP. My only regret is not meeting/talking to Matt Pike, but hopefully I'll manage to do that at some point in the future.
Tour with that lineup, dammit! All perfect bands! Weird that there wasn't a lot of moshing for Skeletonwitch; they usually have great pits. Nice review!
Last edited by jd091; 08-01-2011 at 04:59 AM.
I coulda gone to this show in Van but I had already seen High On Fire 3 times and the last time was a 2$ Haiti benefit show and I was front row center at the railing infront of Pike. So it wasnt gonna get much better.
Great review man. Killer HOF setlist.
...Fuck. Everything. I wanted to go to this show so badly, but didn't know anyone else able/willing to go. I had no idea Skeletonwitch played this show as well. I would have gone alone if I had known that. I've seen High on Fire twice as support and they've been incredible both times. Definitely not missing the chance to catch them headlining again.
Speaking of Vancouver, bigguytoo9, I've gotta run into you at some point at a show. I'll definitely be at Enslaved. And most likely at Boris the next night as well.
|high on fire, russian circles, skeletonwitch
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Retailers readying for Black Friday
November 23, 2011
CNJ staff photo: Benna Sayyed Chickie Enger, owner of Cool Stuff on Main Street, left, discusses Black Friday sales plans with her husband, Geary Enger, right on Monday. The Engers believe their 20 percent off sale could attract more shoppers.
Benna Sayyed and Alisa Boswell
Retailers are adding a variety of fresh marketing tactics to existing strategies to better serve shoppers this Black Friday.
Jared Zatorski, assistant store manager at Office Max, said in addition to a big push in television, newspaper and online advertising, his store is being specially merchandised to cater to Black Friday traffic.
He said the store will present its sale products to customers in a hands-on way to help customers make purchasing decisions faster.
"We're going to be dividing the labor, having our employees specialize in certain departments to make sure that we can always keep someone attending customers with specific answers for specific lines of products," Zatorski said.
Office Max will open its doors at 6 a.m. Friday.
JCPenney at North Plains Mall will open its doors at 4 a.m. to offer customers a chance to take advantage of its door buster sales, which will end at 1 p.m. Door busters offers shoppers merchandise at prices lower than all other Black Friday discounts.
"We're in the gift-giving season. It's all about saving money and we're all about helping our customers save money," said Jennifer L. Libbers, store manager.
Chickie Enger, owner of Cool Stuff on Main Street, opened her store five months ago after moving to Clovis from Flagstaff, Ariz.
"Those big stores have other things. I don't sell 32-inch TVs. I sell eclectic, whimsical things that you wouldn't find everywhere, something you might want to buy someone special," Enger said.
All store items except jewelry will be 20 percent off. Enger makes most of the store's items but she also sells art treasures she has collected.
"I'm trying to make the store really attractive for Black Friday. I think I heard somewhere that in two seconds when someone looks in your window, they decide if they want to come in or not," Enger said.
Bealls in Portales is also gearing up for Black Friday with new and improved sales this year.
"We're getting double if not triple merchandise than what we've had in previous years," store manager Melissa Bonem said. "And we are carrying unique stuff we haven't ever carried before, like luggage, a helicopter toy and a digital picture frame."
Bonem said this year, the store also held a buy one, get one for $1 on store merchandise Wednesday as a prelude to Black Friday and will be opening at 6 a.m. Friday instead of 7 a.m.
Portales local John Wall is putting a new twist on Black Friday shopping with a new, unique business, the Doll House.
Wall will be selling dolls for $1 to $10 on Friday in an empty lot next to Bealls on 18th Street. The dolls will include porcelain, Barbie, Cabbage Patch, baby dolls and much more, ranging from the 1950s to present.


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Senate OKs census fix
A plan to ensure that Rockwell City isn't cheated out of road money because of a mistake in the 2010 census was approved by the state Senate Monday evening.
The proposal was written by state Sen. Daryl Beall, D-Fort Dodge.
"This correction has been a long time in coming and I appreciate your patience and assistance in rectifying the mistake," Beall wrote in a Monday evening email to Rockwell City officials. "I am pleased to be able to right this wrong."
The measure states that whenever the population of any city is referenced in state law, the number to be used must be whichever is larger: the census or the annual estimate of resident population for incorporated places as of April 1, 2010. It also enables local officials to apply to the state for road money Rockwell City should have received dating back to 2010.
Beall's plan was included in a package commonly called the standings bill which is acted on near the end of every legislative session. It now goes to the House of Representatives, where state Rep. Tom Shaw, R-Laurens, has pledged to push for the provision affecting Rockwell City.
Rockwell City has been shortchanged about $48,000 worth of Road Use Tax money every year since 2010 because the U.S. Census Bureau failed to count the inmates of the North Central Correctional Facility, a minimum security prison on the community's east side.
The 2010 census results showed the population of the city dropping by 24.5 percent, or 555 people, since the 2000 census. The drop in population is nearly equal to the number of prison inmates.
The 2010 census counted 1,709 people in Rockwell City.
The 2000 version counted 2,264.
City officials filed an appeal with the Census Bureau in 2011.
Earlier this month, census officials acknowledged that the count for Rockwell City was incomplete. But instead of correcting the actual census count, those officials added 507 people to a different data set called the annual estimate of resident population for incorporated places.
That move gives Rockwell City a population of 2,216.


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Wednesday, April 3, 2013
RAF Pilot Receives DFC for Using Chinook to Shield Troops
At the end of March, Flight Lt. Christopher Gordon, a Royal Air Force (RAF) Chinook pilot, received the Distinguished Flying Cross for rescuing British and Afghan troops during a major contact with the Taliban in Helmand Province, Afghanistan. Flying one of two Chinooks, escorted by a Boeing Apache attack helicopter, his mission had required the insertion of the troops into a known insurgent "safe haven." However, due to heavy fire, the subsequent extraction of the ground troops initially had to be abandoned.
Flight Lt. Chris Gordon. Photo courtesy RAF
Intelligence reports indicated that the Taliban were preparing for a major assault on the friendly ground forces once the Apache was forced to break contact to refuel and rearm. Gordon persuaded his crews to make a final rescue attempt before this happened, resulting in him placing the Chinook in a position to protect the troops from Taliban fire while they boarded the aircraft.
His citation reads: "With little thought for his own safety and leading very much by example, Gordon displayed exemplary flying skills and considerable courage, placing his aircraft very close to the troops in order to minimize their exposure to enemy fire. With remarkable tactical awareness and impressive steadfastness under fire, Gordon held the aircraft on the ground to allow the troops time to board but it was struck by enemy fire, resulting in the loss of one of his two engines and an injured soldier."
With only one engine running, "Gordon re-calculated his aircraft's performance electing to conduct a highly advanced low level transition away from the pick up point. Gordon calmly flew his aircraft back to the hospital at Bastion while his crewman performed immediate first aid on his injured co-pilot."
Related: Attack Helicopter News


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You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
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