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Budget Crisis Drives Medicaid Reform Effort
Cover Story – May 2011
Tex Med. 2011;107(5):18-26.
By Ken OrtolonSenior Editor
Medicaid costs are crushing the state budget to the point where officials are willing to try just about anything to ease the burden. Over the past several sessions, lawmakers turned over much of the health care program for low-income Texans to managed care companies, established a preferred drug list, and sought waivers from federal rules to cut spending or bring more federal matching dollars into a program that chews up roughly one quarter of the state's budget every two years.
A lingering recession that swelled Medicaid enrollment, a state budget shortfall that could top $27 billion, and the fact that health system reform will require significant expansion of Medicaid in Texas and across the country if it holds up in court combined to create urgency about improving Medicaid's efficiency and effectiveness in this year's legislative session. But some health policy experts have concluded that the Texas Medicaid program simply is unsustainable in its current form.
Texas Medical Association President Susan Rudd Bailey, MD, says TMA has sought to "work collaboratively with lawmakers to find practical and thoughtful solutions to Medicaid funding that won't harm patient care."
Toward that end, TMA has submitted recommendations to legislative budget writers for measures that would save enough money to prevent lawmakers from having to slash payment rates for physicians and other providers. Among those recommendations are strategies to reduce unplanned pregnancies and the rate of low-birth-weight and pre-term babies, increase medical homes for Medicaid patients, and reduce inappropriate use of hospital emergency rooms for nonemergency care.
Former state Rep. Arlene Wohlgemuth, executive director of the conservative Texas Public Policy Foundation (TPPF), says TPPF estimates Medicaid could consume nearly half the state budget in 2014 and 2015 unless there is major reform.
"When you take a look at the Medicaid program, two things jump out at you," said Ms. Wohlgemuth, who also is director of TPPF's Center for Health Care Policy. "One is the unsustainability of the cost."
She says TPPF research indicates Texas needs an additional $14 billion in new general revenue for Medicaid in 2014-15, thanks to historic caseload growth and the Affordable Care Act (ACA) expansions, pushing Medicaid costs to nearly half the state budget. ACA is the health system reform bill Congress passed last year.
"And the second thing that jumps out at you is the inflexibility of the state to deal with the program. You can't get the kinds of savings that are needed and deliver the kind of care that is needed within this current structure."
Anne Dunkelberg, associate director of the progressive Center for Public Policy Priorities, agrees that Medicaid could be more efficient. But once officials "get past the buzz phrase of flexibility," they have to start thinking about what they want to change, she says. Because Texas provides very few optional benefits in its Medicaid program, there is little that could be cut without doing real harm to eligibility or benefits, she adds.
Already, a number of fairly radical ideas to rein in Medicaid costs have been floated. Late last year, Gov. Rick Perry suggested that Texas look into dropping out of Medicaid, which is a voluntary program for the states. That idea was met with little enthusiasm, given the massive loss of federal funding that would ensue.
The governor also proposed seeking a waiver to receive federal Medicaid funds as a block grant, giving the state more say over how the funds would be spent.
Also, Senate leaders filed legislation that would fundamentally alter how care is delivered and paid for in the Medicaid program. And, TPPF has laid out a plan that would shift Medicaid from a "defined benefit" program to a "defined contribution" program -- essentially providing state subsidies to enable Medicaid beneficiaries to go out and shop for their own private insurance.
While all sides in the Medicaid debate seem to agree the state could use more flexibility to redesign its Medicaid program, there is little agreement that any of the proposed solutions is the right fix to a massive budget problem.
The Big Driver
TMA officials say the deficit is really driving the calls for radical changes to the Medicaid program.
"The states see the program as being unsustainable because it's such a large part of a budget, and most of the states are having trouble balancing their budgets as a result of continuing economic malaise," said San Antonio pulmonologist John R. Holcomb, MD, chair of TMA's Select Committee on Medicaid, CHIP, and the Uninsured.
Medicaid caseload growth fuels most of the increased costs, as people seek coverage after a family member loses his or her job. Faced with a shortfall of about $4 billion for the current biennium, state leaders have already directed the Texas Health and Human Services Commission (HHSC), which administers the Medicaid program, to cut fees for physicians, hospitals, nursing homes, and other providers by 2 percent.
At press time, Governor Perry and House leaders had agreed on a plan to use $3.2 billion from the state's Rainy Day Fund to help fill in the hole in the 2010-11 budget.
The baseline budget bills for 2012-13 proposed by House and Senate budget writers in January further cut physician and provider rates by 10 percent across the board. Their proposals included eliminating the physician education loan repayment programs designed to encourage young doctors to take Medicaid patients and to practice in underserved areas, expanding Medicaid managed care to the Lower Rio Grande Valley, and cutting optional Medicaid benefits, such as hearing aids and eyeglasses for seniors.
Helen Kent Davis, director of TMA's Office of Governmental Affairs, says those bills did not replace federal stimulus dollars used to plug a Medicaid funding gap in the current budget, nor do they account for expected Medicaid caseload growth. That means budget writers are about $7.5 billion short of the funds they need to cover expected caseload.
"They're trying to squeeze more savings from Medicaid by restructuring how hospitals and Medicaid HMOs are paid and improving the quality of care provided to moms and babies," Ms. Davis said. "They're not going to find $7.5 billion, but there are potentially some efficiencies they can implement that will generate close to another $1 billion in general revenue savings."
A subcommittee of the Senate Finance Committee solicited cost-saving ideas from a wide range of advocacy groups, including TMA. Among recommendations TMA submitted were proposals to:
In addition to the statewide rollout of Medicaid managed care, that panel considered establishing copayments for nonurgent emergency department visits, limiting drug benefits for adult Medicaid beneficiaries, cutting podiatry services for everyone except patients with diabetes, and more.
But some observers say those kinds of cuts amount to little more than tinkering around the edges of a system that they see as fatally flawed.
"You can't continue to nibble around the edges of this," Ms. Wohlgemuth said. "It's got to be a wholesale reform if we're actually going to be able to make a difference."
Where's the Flexibility?
Dr. Holcomb and others say states must find a way to adapt their Medicaid programs to changing needs. He says states are "bound by the strictures" set out by the federal government as far back as the mid-1960s.
"For a state to change its Medicaid plan it's got to submit a waiver request, and those waiver requests – if they're ever acted on – take years to get approved," Dr. Holcomb said. "So flexibility is a problem."
For example, TMA supports requiring a copayment from Medicaid enrollees who go to hospital emergency departments for care they should have received in a physician's office. Experts believe that would discourage inappropriate use of emergency departments, where care generally is six to seven times more expensive than an office visit. Studies show that patients on Medicaid are far more likely to use the emergency department for nonemergency care.
"What that does is sort of obvious," Dr. Holcomb said. "It makes patients stop and think about whether their situation is really an emergency or whether they can wait until they can see their own doctor. If carefully structured, there's no reason to assume that wouldn't work with the Medicaid population, but we're not allowed to do it. We don't have the flexibility within the structure of the Medicaid program as handed down by the feds to allow us to go to that kind of copay."
Exploring the Options
Are any of the proposals to make radical changes in the Texas Medicaid program realistic options? Even before Governor Perry suggested dropping out of Medicaid, that notion was being debunked.
In 2009, the legislature passed House Bill 497 by state Rep. John Zerwas, MD (R-Richmond), which directed HHSC and the Texas Department of Insurance (TDI) to study the potential impact on Texas if Medicaid was eliminated. Their report, issued in December 2010, found that Texas stood to lose $15 billion in federal Medicaid matching funds, while Texas taxpayers would continue to pay federal taxes to support other states' Medicaid programs.
The report also said that 2.6 million Texas could become uninsured and that federal law would still require hospitals to treat medical emergencies of uninsured former Medicaid and CHIP clients, potentially adding billions to uncompensated care in the state.
Finally, the agencies concluded the legislature could preserve benefits for some current Medicaid and CHIP clients by using the state's share of program funds, but that likely would shift significant costs onto county governments and public hospitals.
Ms. Dunkelberg says opting out of Medicaid is not realistic.
"States, obviously, can get out of Medicaid," she added. "It's an optional program. But the Health and Human Services Commission report does a fairly thorough job of laying out a lot of reasons why it would be fairly disastrous for us to try to do that in Texas," she continued. "It's about 15 percent of our health care budget in the state. It's paying for more than half of our deliveries, more than 70 percent of our nursing home residents, virtually all of our developmentally disabled and intellectually disabled population's health care, and almost anyone with a serious chronic illness or disability, not to mention 2.5 million children. And, we would also lose our CHIP block grant if we got out of Medicaid. That's 3 million Texas children who are getting coverage."
The Medicaid block grant idea also is problematic, even though the HHSC-TDI report concluded that could be a part of ensuring a sustainable future for Medicaid in Texas. The report concluded that federal Medicaid policy must change so that states can assume greater responsibility over program costs.
Specifically, HHSC and TDI say the federal government should:
While the block grants seem to have some support in the legislature and among some interest groups, TMA and others say there are definite problems.
"How do you adequately account for rapid caseload growth and medical inflation?" Dr. Holcomb asked. Unless some sort of adjuster was included to account for such cost growth, particularly in a state growing as rapidly as Texas, the state might "just have to eat" the additional funds needed to cover all eligible residents, he says. Then what? Would Texas make up the difference by drastically cutting physician and provider rates, coverage, or services?
"Without a lot of serious consideration, we're not optimistic that a block grant is going to be the way that's going to lead us out of the Medicaid wilderness," Dr. Holcomb added.
Besides, Ms. Dunkelberg says, there is no provision in Medicaid for true block grants. That, she says, would require major statutory change by Congress.
Defining the Contribution
Perhaps the idea farthest outside the current Medicaid box is the one TPPF put forward in February. It called for shifting Medicaid from a defined benefit to a defined contribution program to provide subsidies so that Medicaid beneficiaries can purchase their own private health coverage.
"We feel the state's role should be in determining the amount of subsidy that we need to provide to help people purchase their own insurance rather than decide for them what kind of insurance they need for their particular circumstance," Ms. Wohlgemuth said.
She says the TPPF plan would provide some subsidies for all Texans living below 175 percent of poverty. The subsidies for the poorest Texans would be 100 percent, declining to just 10 percent for those at 175 percent of poverty, she says.
The advantages to the TPPF plan, Ms. Wohlgemuth says, is that it would stop the "churning" of people constantly going on and off the Medicaid program as their income levels change. It also would solve the access problem created by the fact that only about 32 percent of the state's physicians currently accept Medicaid patients. She says virtually 100 percent of Texas doctors would be willing to see Medicaid patients because their coverage would be indistinguishable from other privately insured patients.
TMA officials say physicians would be ecstatic if Medicaid paid the same as privately insured patients, but add that if TPPF is concerned about rates, it should urge the legislature to increase rates under the current program. Ms. Davis says it has never done that.
The sticking point with the TPPF plan is how to create such a system without having to get a waiver from the U.S. Centers for Medicare & Medicaid Services (CMS). The first option would be to create an interstate compact with another state.
"Interstate compacts have been around since the Articles of Confederation," Ms. Wohlgemuth said. "That's how we worked prior to our constitution."
Under the TPPF idea, Texas and another state could adopt an interstate compact for Medicaid to allow them to retain their federal tax dollars that previously went to Medicaid, and then design their own Medicaid programs. Such a compact would go directly to Congress for approval rather than having to be authorized by CMS, Ms. Wohlgemuth says.
A compact could be between only two states or all of the states, she adds.
"That would free every state to design its own program. If Vermont wants to do a single-payer system, maybe it would work for their tiny population," she said. "It would not work in Texas, and we believe that the free market offers more choices and would put the decision making back with consumers for determining their own health care needs."
While interstate compacts are common on issues not typically regulated by Congress, TMA officials question whether such a compact for Medicaid and CHIP would be legal since federal law mandates federal oversight of both programs.
At press time, Rep. Lois Kolkhorst (R-Brenham) and Sen. Jane Nelson (R-Flower Mound) had filed bills to create the interstate compact, and Ms. Wohlgemuth says Representative Kolkhorst is looking at filing other elements of the TPPF plan.
Representative Kolkhorst chairs the House Public Health Committee, while Senator Nelson chairs the Senate Health and Human Services Committee.
"An issue as personal and sensitive as health care should be decided as close to home as possible," Representative Kolkhorst said. "Our nation is over $14 trillion in debt, so maybe it's time to give Texas a chance to take the lead on how to manage our public health programs. Medicaid is a state-federal partnership with the cost shifting more to the states, while at the same time the Medicare program is spiraling out of control. Texas needs to be in a better position to take care of the citizens who rely on these programs and provide certainty that we can afford them in the future."
Thirty-three states have proposed similar interstate compacts, and Ms. Wohlgemuth says such bills have already passed the Montana and Arizona senates.
Smart Insurance Shoppers?
While the interstate compact idea seems to be gaining some traction, critics say it's unrealistic to expect Medicaid recipients to go out and shop for their own health coverage.
"Given the incredible diversity of the folks in Texas Medicaid – everything from families with a long-standing connection to the workforce, working families that are living at very low incomes, to people with profound disabilities – the notion that you could dump all of those folks out into a private insurance market to purchase as individual consumers and do better is really questionable," Ms. Dunkelberg said.
Dr. Holcomb says he's also "not impressed" that pushing the Medicaid population into the private marketplace would work.
"This is an extremely diverse set of populations that fit into the Medicaid scheme," he said. "More than 85 percent of Medicaid patients earn less than poverty, and many have complex health care needs. How are they supposed to value shop for insurance coverage when I have to hire a broker and a couple of financial people to figure out how to get insurance for my own employees? The level of sophistication that's required to choose an insurance product is well beyond my capability and probably beyond that of most Medicaid recipients who are struggling in $8-an-hour jobs to get through the week."
If Congress failed to approve the interstate compact, a more radical idea put forth by TPPF would push Medicaid enrollees into the state health insurance exchange required by ACA. Ms. Wohlgemuth says a loophole in that law potentially could require the federal government to pick up 100 percent of the cost of coverage for those enrollees, although other experts say it is not clear that ACA obligates the federal government to cover the cost of coverage of those below 133 percent of poverty who go into the exchange.
And even Ms. Wohlgemuth acknowledges that likely would prompt a federal lawsuit.
Quality-Based Payments
While not as radical a departure from traditional Medicaid as the TPPF plan, legislation filed by Senator Nelson and backed by Lt. Gov. David Dewhurst would revamp how care is delivered and paid for in Medicaid.
Senate Bill 7 would move from a fee-for-service-based payment system toward quality-based payments in Medicaid. Senate Bill 8, which would apply to both Medicaid and the private insurance market, would allow creation of health care collaborative, similar to accountable care organizations, to take on risk for providing care for certain populations of patients.
Under SB 7, a new quality-based payment advisory committee would establish outcomes and performance measures that physicians, hospitals, and Medicaid and CHIP plans would have to meet. At least some part of provider and health plan payments would be tied to meeting those measures.
"There are substantial cost savings to be achieved by reducing hospital infections, unnecessary tests and procedures, and preventable adverse events," Senator Nelson said. "By some estimates, one-third of all health care costs result from waste such as administrative inefficiency, unnecessary treatment, and medical errors. These savings will add up over time as quality and efficiency improves."
A spokesperson for Senator Nelson says that estimate came from Robert Kelley, vice president for health care analytics at Thomson Reuters, a business information company.
She also says SB 8 would give providers flexibility to work together to improve quality and reduce costs. "It does so by removing regulatory barriers so physicians and other providers can collaborate to achieve the best outcomes for their patients."
While not necessarily opposed to all of the concepts contained in SB 7 and SB 8, TMA has raised a number of concerns about them, including how the proposed quality-based payments might mesh with the proposed expansion of Medicaid managed care statewide, as well as language that would jeopardize the current ban against hospitals and other nonphysician organizations directly employing doctors.
Political observers, however, say both measures are likely to undergo substantial change through the legislative process.
The Bigger Picture
Whether any serious reform of Medicaid can pass this session is still unclear. And some political observers say it's much more likely that lawmakers will simply cut Medicaid spending and tinker with efficiencies that might allow them to solve the budget crisis.
But Ms. Dunkelberg and others say lawmakers should look at the bigger picture – that Medicaid spending is just part of a larger crisis in total health care spending in Texas and the nation. The cost of Medicaid is undoubtedly rising, but not any faster than Medicare or private insurance costs. In fact, the real rate of Medicaid growth has been slower than other payers, she says.
"If all you have to pay for is part of the Medicaid program, it's natural that the legislature would have that focus," Ms. Dunkelberg said. "But the bulk of the opinion among serious health care economists and serious federal budget experts is that we have to get all of our health care spending under control so that it comes down as a percentage of GDP [gross domestic product], so it's not growing at 2.5 times the rate of general inflation. And Medicaid is not driving that. The entire system is."
Ken Ortolon can be reached by telephone at (800) 880-1300, ext. 1392, or (512) 370-1392; by fax at (512) 370-1629; or by e-mail.
Senate Committee Backs Restoring Medicaid Fees
The Texas Senate Finance Committee in April voted to eliminate the proposed 10-percent cut in physicians' Medicaid and Children's Health Insurance Program (CHIP) payments, to maintain the current level of community mental health services, and to fund tobacco cessation programs.
At press time, the proposed budget the Senate was working on made fewer drastic cuts in the budget than the one the House of Representatives approved on April 3. The house finalized a proposed 2012-13 budget with deep cuts in education, health, and human services programs.
"The House of Representatives must take steps to ensure Texas can maintain its ability to care for our most vulnerable patients – children, seniors, and people with disabilities and mental illnesses," TMA President Susan Rudd Bailey, MD, said in a press statement before the budget debate began. "If lawmakers choose to shut the door on these patients' ability to obtain cost-effective care, local taxpayers will be stuck picking up the cost but at a much higher price."
Earlier, in March, Sen. Jane Nelson (R-Lewisville), chair of the Senate Finance Subcommittee for Medicaid, asked Tom Suehs, executive commissioner of the Health and Human Services Commission, to develop a list of top funding priorities. Leading Commissioner Suehs' recommendations was a proposal to restore 7 percent of the proposed 10-percent cut in physician payments for both Medicaid and CHIP.
Senator Nelson's subcommittee designated that recommendation as a top-level priority, along with proposals to:
Updates on the budget deliberations and how they affect physicians and patients will be published in the May 1 and 15 issues of Action, TMA's newsletter, and on the TMA website. The August issue of Texas Medicine will have a complete wrap-up of the legislature's actions on health issues.
Texas Medicaid: Perception vs. Reality
Texas Medicaid gets a bad rap. Medicaid critics perpetuate false information about the program. Most people don't know who is covered by Medicaid or how state dollars are spent. Many Texans believe that Medicaid covers only pregnant women, shiftless men, and illegal immigrants; that welfare moms and their kids siphon off dollars from the system; or that most adult Medicaid enrollees are healthy, able-bodied Texans who can afford to pay for private health insurance.
Texas Medicaid is misunderstood. TMA wants to set the record straight.
What does Medicaid pay for?
Perception: Welfare moms and their kids siphon off money from the system. That's where all the Medicaid dollars go.
Reality: False. Low-income elderly patients and Texans with disabilities account for most Medicaid spending. Medicaid pays for 70 percent of all nursing home care in Texas. Medicaid also pays for services that help seniors and patients with disabilities stay in their homes. For low-income seniors, Medicaid fills in gaps in Medicare coverage, such as vision care, and pays Medicare copayments and deductibles. While the elderly and patients with disabilities cost the most, they account for only 23 percent of the Medicaid population. However, as baby boomers come of age, this population is going to increase dramatically as will the cost of their care.
Perception: Undocumented immigrants are a huge drain on Medicaid.
Reality: False. Undocumented immigrants cannot enroll in Medicaid. To apply, patients must present proof of citizenship. Medicaid does provide emergency services for legal and undocumented immigrants. In 2009, Texas Medicaid spent approximately $309 million (state and federal funds) on health care for noncitizens, or about 2 percent of Medicaid's costs. Children's Health Insurance Program (CHIP) perinatal coverage provides some basic prenatal care to noncitizens to ensure healthy babies are delivered. In 2009, the CHIP perinatal program spent $188 million on immigrants (state and federal funds).
Perception: The state offers Medicaid patients too many benefits.
Reality: False. Medicaid benefits reflect the diversity of patients covered by the program. Texas Medicaid covers everyone from newborns to elderly patients living in nursing homes with complex medical conditions. Many Medicaid patients are uninsurable in the private sector because of their medical conditions or illnesses. Federal law requires states to cover these services:
Optional services: While these services are not required in Medicaid, they all are critical to maintaining good health. When the state covers these services, it also helps direct patients to the most cost-effective setting to receive care, their medical home:
Who is eligible for Texas Medicaid?
Perception: Adult Medicaid patients are predominantly "welfare queens" or homeless men.
Reality: False. Simply being poor does not qualify a Texan for Medicaid. Only about 6 percent of working-age adults qualify for the program. Two percent of adults on Medicaid receive welfare, known in Texas as the Temporary Assistance for Needy Families program. Of the children on Medicaid, the majority have at least one parent who works.
Perception: Pregnant women dominate Medicaid enrollment.
Reality: False. Pregnant women make up about 4 percent (105,991) of Medicaid enrollment. Two months after giving birth, women lose regular Medicaid unless they live in extreme poverty, earning less than about $3,700 a year. Medicaid pays for about 56 percent of all births.
Who pays for Medicaid?
Perception: Most Medicaid patients could purchase their own insurance.
Reality: False. The majority of Medicaid enrollees live in families earning at or below the federal poverty level, or $22,350 for a family of four. Only about 14 percent of Texans at this income level have access to employer-based coverage. Of those who do, data from the Texas Department of Insurance indicate the average amount employees must contribute is $4,000, excluding copays and deductibles. For poor and low-income families, employer-based coverage is simply cost prohibitive.
Perception: Texans are stuck with the entire price tag for Medicaid and CHIP.
Reality: False. Texas Medicaid receives a generous federal match, bringing Texans' hard-earned tax dollars back home. The current federal match for Medicaid is about 60 percent (extra federal funds for the past two years increased it to 68 percent). The federal matching rate for CHIP is even more generous. The federal government pays 72 percent. Texas pays the balance. Cutting Medicaid means Texas' taxpayers pick up the entire expense, instead of only 40 percent for Medicaid and 28 percent for CHIP. According to the Legislative Budget Board, Medicaid is the largest source of federal funding in the state. In 2009, Medicaid brought $28.7 billion in federal dollars back to Texas.
Sources: Medicaid Point-in-Time Enrollment (Health and Human Services Commission), January 2011. Impact on Texas if Medicaid Is Eliminated (Health and Human Services Commission and Texas Department of Insurance), December 2010.
May 2011 Texas Medicine ContentsTexas Medicine Main Page


text: My Toast 11 Titanium will no longer convert my .tivo files transferred to my Mac with TiVo Transfer. Get an error "Could not complete because (ID=-50)." Has been working fine up till now. TiVo TV show file sizes are about 5GB. Anyone know of another app to convert .tivo files for Apple TV?

subset: commoncrawl


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If you are seeking a world-class educational experience within a vibrant, Christ-centered learning community, Cedarville is the place for you. Step up to the challenge of our arts, sciences, professional and graduate programs, and achieve more than you ever imagined. Be challenged and transformed by professors who are experts in their fields and invest their lives at Cedarville to mentor and guide students like you.
Cedarville University presents "The Star Spangled Girl" beginning March 29.
by Public Relations
February 6, 2012
A conservative all-American girl is caught in a love triangle with her two very liberal neighbors in this political comedy set in the 1960's.
Cedarville University's Department of Art, Design and Theatre will be presenting Neil Simon's "The Star Spangled Girl." The uproarious comedy tells the story of Sophie, an Olympic swimmer and conservative southern girl who moves in next door to Andy and Norman, protest writers. Norman instantly falls in love with her, and his obsession drives her crazy. Meanwhile, Andy is preoccupied with fending off creditors and charming the landlady to avoid being evicted for not paying the rent.
"The Star Spangled Girl" opens March 29 at 8 p.m. The event is open to the public. Tickets will be available for online purchase March 12. For more information, call 937-766-4491 or visit the Cedarville University "The Star Spangled Girl" webpage.
Cedarville University attracts 3,300 undergraduate, graduate and online students to more than 100 areas of study. Cedarville is a Christ-centered learning community recognized nationally for rigorous academic programs, strong graduation and retention rates, accredited professional and health science offerings and leading student satisfaction ratings. Visit the University online at www.cedarville.edu.
Date: March 29 - 31 and April 12, 14 and 15, 2012
Time: Evening shows begin at 8 p.m. (March 29 - 31, April 12, 14 and 15); matinees at 2 p.m. (March 30, 31 and April 14)
Location: Cedarville University, DeVries Theatre in the Stevens Student Center
Address: 251 N. Main St., Cedarville, Ohio (Campus Map)
Cost: Adults $12; students and children $10
Learn More and Register: call 937-766-4491 or visit Ticket Information
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Date of Stay: March, 2011
We have no complaints about this park. It was a very nice stay. Every spot is big. The pool is closed due to money shortage. The trails are nice, but a lot of roots so be careful on a bike. The showers are old, but work good. If your out pass 10pm you can get back in with a gate code (it took me forever to get a answer to that question). There is Truman parkway right down the road that starts here and ends in downtown Savannah. Takes 15 min. Kroger is up the road. Its not for a over night stay from I-95 to far, about 30 min. It was also sold out when we were here.
Date of Stay: November, 2010
It was nice and would stay here again. No pets allowed due to all the caged birds they have. The park is nice and close to the beach. Bring you're bikes. My only complaint was that they closed the bathroom down in our area due to not enough campers.


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VIX - Market Sentiment
Thursday it appeared the bulls were somewhat on their heels as the S&P traded down right out of the gate. The market again moved as downward pressure continued to push the averages lower. However, again after a short breather the bulls once again stepped in trying to keep the accelerated uptrend in tact.
This move again was perfectly telegraphed from the CBOE Volatility Index (VIX). Popping hard into the open the spot VIX moved down hard showing yet again little fear in the market. Again traders who were long volatility ETFs (NYSEARCA:VXX) and 2x volatility (NASDAQ:TVIX) were crushed but the VXX puts I noted in Tuesday's sonar report had huge gains today. The futures which these instruments are priced off of are below.
March VIX futures 21.95
April VIX futures 24.63
May VIX futures 25.68
March VIX futures 20.45
April VIX futures 23.25
May VIX futures 24.70
In direct contrast to the last 8-10 trading sessions the S&P ETF (NYSEARCA:SPY) and Nasdaq (NASDAQ:QQQ) put buying fell off dramatically today. These puts were being bought at the ask more than 50% of the time. In comparison today puts were bought only 43% of the time going into the noon hour and calls 46%. Again overall market paper looks bullish which is why the spot VIX and VIX futures are fading so hard. The truth is we are at a very interesting point here. All the paper in the VIX options is either going to have those who are short volatility with a very big pay day over the next 3-4 weeks or we will have some type of market correction. VIX future volatility is trading at an amazing 200% over current market volatility meaning if we do not get any type of correction to the downside those who are long VIX puts and short VIX calls could be in for some very good dinners in the future.
Options Paper
Overall option paper was modest today. However, one which has me intrigued was a large May 4/5 risk reversal in Frontier Communications (NYSE:FTR). This was a speculative play Friday stock I had listed in the sonar report back on the dip below 4.00 and option holders of the four calls were paid when the stock rallied to the 4.80 level. Last week I exited the trade and now it appears one trader is stepping in calling a floor under FTR. The four puts were clearly sold but the five calls were interesting. The five calls half the block went off for .15 and the other half went off for .10 so on my system it reads half bought and sold at the same time. Nonetheless option paper is more than 12x average daily volume and is building. I'll keep my eye on this as we move forward as OI could be key as to sentiment.
Popular ETFs and equity names with bullish/bearish paper in terms of call/put ratios:
Calls outnumbering puts:
Spectra Energy (NYSE:SE) 27:1
DR Horton (NYSE:DHI) 21:1
Firstenergy (NYSE:FE) 19:1
Anheuser-Busch (NYSE:BUD) 18:1
Edwards Life (NYSE:EW) 14:1
Omnicare (NYSE:OCR) 14:1
RenRen (NYSE:RENN) 14:1
Expedia (NASDAQ:EXPE) 23:1
Puts outnumbering calls:
Termo Fisher (NYSE:TMO) 12:1 (Odd price action)
Activision (NASDAQ:ATVI) 4:1
Jaguar Mining (NYSE:JAG) 4:1
Walt Disney (NYSE:DIS) 5:1
Host Hotels (NYSE:HST) 6:1
Citrix Systems (NASDAQ:CTXS) 7:1
Textron (NYSE:TXT) 14:1
SLM Corp (NYSE:SLM) 16:1
Volatility Explosion
Clearwire (CLWR) saw implied volatility increase more than 16% today on little to no option volume. CLWR has traded down since earnings but today it appears some bulls are trying to nibble again as 41% of calls were bought on the ask. The Mar 1.5 and April 2.5 calls were bought and Jan 13 3 calls were sold. Overall the options were average today with calls outnumbering puts more than 7:1. I would not make too much of this as open interest on the calls continues to fall.
Salesforce.com (NYSE:CRM) had very heavy option activity today mostly pointing bullish. The majority of puts appear to be sold and calls bought. I decided to play this using a call backspread where I sold the 130 March call and bought 2x of the 135 Mach calls and sold a weekly 145 against it. Net net this basically gets me long for 0.57. I then sold the volatility of the weekly puts for .55 so I am now risking just .02. Options were more than 10x average daily volume going into earnings.
Volatility Implosion
Safeway (NYSE:SWY) I noted had a large buyer of puts into the close and sure enough crazy price action today trading down more than 10% at one point. Puts were flying off the shelves today as investors ran for cover after weak earnings and guidance. Puts bought on the ask more than 49% of the time and was trading more than 14x average daily volume.
VIVUS (NASDAQ:VVUS) today saw very interesting volatility moves. Although overall implied volatility came in big time today moving down from 239 to 105 on good news from a new diet drug. However interesting today calls were sold overall and puts bought more than 41% of the time as long shareholders reach for some cheap protection here. The January 15 puts and Jan 25 appear to be a collar where the calls were sold and puts bought. Calls were sold where puts appear bought both for 3.40 protecting almost 5M shares for 0.00. Option volume was more than 10x average daily volume.
As always happy trading and stay hedged.
Remember equity insurance always looks expensive until you need it.
I am long SDS, APC, TBT
I am short: PBI, FXE, DB, EEM, AAPL, FSLR, LYV,
Disclaimer: The opinions in this document are for informational and educational purposes only and should not be construed as a recommendation to buy or sell the stocks mentioned or to solicit transactions or clients. Past performance of the companies discussed may not continue and the companies may not achieve the earnings growth as predicted. The information in this document is believed to be accurate, but under no circumstances should a person act upon the information contained within. I do not recommend that anyone act upon any investment information without first consulting an investment professional as to the suitability of such investments for his or her specific situation.


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Stepping into e-waste? Applied Machinery can provide you with the right tools to turn waste electronics into value.
New South Wales is initiating a three-stage consultation process to introduce reforms in its Environmental Impact Assessment (EIA) process.
New findings from Roy Morgan Research for Recycling Week suggests that Australians do not necessarily identify as environmentalists, despite being keen recyclers.
Long term environmental protection requires more than just resource recovery, it also requires cultural change.
One of Australia's most innovative AWTs, the DiCOM plant designed by AnaeCO in Perth, is in voluntary administration.
Five of Australia's waste management and recycling heavyweights have joined forces to establish a new organisation to champion the industry.
As transfer station operators work to improve safety and recovery, Liebherr machines are ready to serve.
The waste-to-energy (WtE) market continues its strong global growth, with Asian leading the charge.


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Having survived a close shave in its season opener, North Carolina will play its home opener today in a landmark game at the Smith Center. Iona will be the opponent at 6 p.m. in North Carolina's 300th game in the Smith Center since it opened for basketball on Jan. 18, 1986. North Carolina has a record of 251-48 in the Smith Center, a winning rate of 84 percent. (Winston-Salem Journal)
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Justin Jackson, NBA Draft Lottery CrasherMonday May 22, 2017


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Respect's the key. There's no magic in matrimony, and no guarantees. Marriage is basically the invention of church and state, designed around the inevitable mating and procreation ritual and evolved into an institution dedicated to defining responsibilities that existed anyway. It was for the regulation of property and affiliations. Sanctifying monogamy discourages fecklessness. It came to demand that two people must ask formal permission and God's blessing to live together, and insisted that without that blessing the relationship was doomed. We still half believe it.
Conveniently, the creation of marriage also created a whole new range of sins, punishable by hellfire, social disgrace and, finally, the law. Marriage and the legalisation of the nuclear family is a blessing and a curse. At worst, it is an artificial, legally enhanced, sacred cow, which presupposes that without it we would all be irresponsible savages who failed to honour our children or one another. Above all, it is a means of making two people responsible and publicly accountable for their private lives.
It is the intervention of law into this arrangement that irritates most. Is it any business of lawyers and legislators? Yes, when the law decides that a married woman can own property in her own right instead of giving it away on the day of the wedding. Yes, when it dictates that the unpaid wife of 30 years cannot be abandoned without recompense. Yes, when it goes some way to restore the birthright of the bastards it created, and no, when it imposes a plethora of obligations that are none of its damn business.
It fancies itself, does the law, but its role is not to ensure morality, but to preserve the status quo. As far as marriage is concerned, law is largely irrelevant, persuasive rather than forceful. The awesome legal and financial responsibilities of marriage mean very little to most who embark on it. No one who wants to get out of a relationship is ever stopped by their marriage vows.
If you're going to go, you go, and to hell with the consequences. And if you're going to stay the course, you do because of love and respect, not because of some promise. As most people love their children and want their nuclear families, they stay and take care of one another, just as they would have done if marriage were never invented.
More couples choose not to marry than ever before, even though they don't receive the financial "securities" of marriage. It's a way of saying, mind your own bloody business and we'll mind ours. But why the sheer pull of it, the ungovernable urge to marry, the utter sense of disgrace when it fails, the loss that goes greater than simply the loss of a relationship? Why the feeling that you are responsible for that other person forever?
No law or sacrament creates permanence in a free society. Only mutual respect, mutual will and mutual need does that. The trouble is, we can't trust ourselves. In the absence of God and avenging families, we need ballast, and at certain hopeful times we desperately need ceremony to mark the flow of honest intention and endorse our dreams.
It's the act of going public that gives marriage its weight. It's standing up and being counted in front of a gathering of clans, a celebration of optimism; the day you grew up. That's more than enough to justify a wedding, but not the panoply of marriage. Always best to consult the lawyer before, rather than after.
· Frances Fyfield, a lawyer and author, was once married for a year. Her latest book is The Art of Drowning


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"How To" SVT & Zetec Power Steering Pump & Line Replacement
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Focus Rookie
Join Date: Jan 2013
Fan#: 108977
Location: CHINO VALLEY, AZ
What I Drive: 2002 SVT FOCUS , SONIC BLUE
Posts: 3
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I found two options. First, you can order from the Ford dealer. They want $6.00 for one and $10.00 for the other. I was shocked that I would end up paying almost $20.00 with tax for two tiny orings. I know its not alot of money but its the principal of it. Thats just absurd!! The second option was to take off the two orings, and bring them to Napa auto parts. They had two large containers of orings .One was sae the other metric. I found two that were very close in size, ever so slightly larger than the stock ones. I did not record the sizes unfortunately. Removal is a pain but doable. I removed the dogbone mount for clearance. after puling the single bolt out of the mounting plate the lines pull right out. I made a small hook out of a large needle so i could remove the stock orings without tearing them. that way i could try to match them up better. Install is easier and just the reverse of removal. Leak fixed :) hope that helps.
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The Ventev Dual USB Universal Car Charger 2.1A offers efficient universal power for users or families who need to charge more than one device at a time.
Universal charging through both USB ports means any device, with any compatible cable (not included). The 1A outputs have ample power for phones and other devices. The easy-grip design looks great and is comfortable to grip and use.
Hidden LEDs illuminate the USB ports with a subtle glow, so they are a cinch to find in the dark, but won't distract drivers. Efficient, effortless charging on-the-go.
Please Note: Product images, including color, may differ from actual product appearance.
Shop with Confidence
Expert advice available weekdays 8am-5.30pm ET at (866) 757-7752
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Marlborough: Faithlift Auction
September 20, 2013$10
Event Navigation
The Trustees of the First United Methodist Church of Marlborough will host the 7th annual Faithlift Auction Sept. 20, 6 – 9 p.m. at the Moose Family Center, 67 Fitchburg St., Marlborough. Auction proceeds will go toward upgrading FUMC's fire detection system. Festivities include dinner, dessert, cash bar, silent auction, and a live auction with a trivia twist. Tickets are $10, payable at the door. For further information, contact Alyson Cox at 508-303-5014.


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Stylophora pistillata, a reef coral in the Northern Red Sea, thrived in simulated global-warming conditions.
The Rise of Heads
May 11, 2015|
A 500 million-year-old brain fossil yields clues to the evolution of heads.
May 11, 2015|
A 500 million-year-old brain fossil yields clues to the evolution of heads.
May 6, 2015|
Fossils of a new species discovered in China suggest birds developed 6 million years earlier than previously thought.
May 4, 2015|
Researchers use chemicals to manipulate the behavior of mice.
May 3, 2015|
Species die-offs are expected to accelerate as greenhouse gases accumulate, according to a meta-analysis.
May 1, 2015|
Researchers describe a small species that may have soared through Jurassic skies on membranous wings like those of bats and flying squirrels.
May 1, 2015|
The Genealogy of a Gene, On the Move, The Chimp and the River, and Domesticated
April 30, 2015|
A study shows that the hippocampus selects which information to send, and where, during different behaviors.
April 29, 2015|
Physics drove the convergent evolution of swimming in 22 unrelated marine species, a study suggests.
April 26, 2015|
Researchers probe the neural roots of the ear-ringing condition in a man undergoing brain surgery.
April 24, 2015|
One study shows the insects prefer food laced with pesticides, while another adds to the evidence that the chemicals are harmful to some pollinators.


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Marc Jacobs's spring / summer 2010 collection has been previewed and Fashionising.com has each of the key looks for you.
You can see all of the Marc Jacobs spring / summer 2010 collection by clicking on a thumbnail on the left. From there you can browse through each of the pictures from the collection.


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from Jesse's Café Américain:
I can think of a number of reasons why a connection between these unnatural deaths, and especially the mysterious disappearance of the reporter, are not related. The most significant is that they involve diverse companies and markets.
And yet all are touched by serious investigations for corruption of the markets.
Even if they are not related, are mere coincidences, it is telling perhaps that the financial industry is so generally foul that even random deaths and disappearances are all in proximity of market-fixing, price rigging, and white collar investigations for corruption.
And this is our financial system, which touches every part of our lives, every product, every day, man, woman, and child.
Read More @ Jessescrossroadscafe.blogspot.ca
Categories: Propaganda, Fraud, and Outright Lies


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Virginia Beach, VA, USA < change city >
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|Reception Sites
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Erica and Jason's Wedding
"The convention center was great, they have spaces for any size guest list. They are very prompt with getting back to you about requests or changes. My catering person left 3 months before my wedding but the girl that took over didn't miss a beat. And you can rent a shuttle through them to take guests back to hotels so no one drives drunk."
Virginia Beach Wedding In October
"We had a blast at our reception at the Virginia Beach Convention Center. The food was delicious and the venue can hold a wedding of any size. Darcy and Ericka were especially great with planning and knowledge of receptions and other vendors in the area."
Virginia Beach Wedding In October
"Great location, friendly staff and close to all the Oceanfront hotels."
Magdalena and Brian 's Wedding
David and Denise's Wedding
Virginia Beach Convention Center
1000 19th St
Virginia Beach, VA 23451


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SAN JOSE, CALIF. -- JetBlue Airways plans to start testing Tuesday free e-mail and IM service on one of its airplanes. In the coming months, American Airlines, Virgin America and Alaska Airlines will offer Internet access for a fee -- probably $10 per flight.
Airlines have finally gotten the message that we passengers are fed up with being denied Internet access while aloft.
In all cases, airlines will keep Internet access off on the ground, and during ascent and descent phases of flight, and turn it on while at cruising altitude, according to an article that will appear in tomorrow's New York Times.
Virgin plans to enable passengers to use the airline's seatback entertainment systems for sending e-mail.
Other airlines, including American, plan to essentially turn on Wi-Fi, so anyone with a Wi-Fi enabled laptop or device (like an iPhone) can use the connection if they pay the fee.
Airlines haven't publicly announced whether they will allow passengers to make VoIP calls over the connection.
See Also:
IT Blogwatch: Airlines try in-flight Wi-Fi again (and Microsoft Linux???)


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Mabbett, Deborah and Schelkle, Waltraud (2010) Beyond the crisis: the Greek conundrum and EMU reform. Intereconomics, 45 (2). pp. 81-85. ISSN 0020-5346
|Item Type:
|Additional Information:
|© 2010 The Authors. This article was included in the forum titled 'Challenges facing European Monetary Union'
|Library of Congress subject classification:
|D History General and Old World > DF Greece
H Social Sciences > HC Economic History and Conditions
J Political Science > JN Political institutions (Europe)
|Departments > European Institute
Collections > Economists Online
|Date Deposited:
|05 Jan 2011 15:33
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|Fact Sheets
|pdf version
Campylomma (Mullein Plant Bug)
[Campylomma verbasci (Meyer-Dür)]
Diane G. Alston, Entomologist • Michael E. Reding, Entomologist
Published by Utah State University Extension and Utah Plant Pest Diagnostic Laboratory
|December 2011
Do You Know?
The campylomma bug (or mullein plant bug) causes some damage in Utah apple orchards. Damage is inflicted by nymphs, which feed on developing fruit causing dimpling and fruit distortion. As apple fruits mature they become less susceptible to campylomma injury. Injury appears shortly after petal fall as small corky areas alone or small corky areas surrounded by a depression. Golden Delicious is typically more susceptible to damage than Red Delicious. Pear fruit rarely suffer damage, even at high campylomma populations. Campylomma overwinter as eggs laid in the young twigs of apple, pear and other rosaceous plants. These eggs begin hatching in the spring at about pink stage of apple bud development. This insect has three to four generations per year. A portion of first generation adults migrate from orchard trees to herbaceous weeds particularly common mullein. However, campylomma can be found in apple and pear orchards throughout the growing season. Late nymphal stages and adults are beneficial predators of aphids, mites and pear psylla. In late summer through fall, adults on herbaceous weeds will migrate into orchards to lay overwintering eggs.
(Top Left) Young nymphs cause fruit injury on apples when they feed on blossom calyxes and developing fruit.
(Top Right) The adult is a beneficial predator of aphids, mites, and pear psylla.
(Left) Early season feeding on apple fruits by nymphs, results in corky bumps and occasionally in fruit distortion (E. Beers, Washington State University).
- apple
- common mullein
- pear
- oak
Campylomma Life History
The arrow indicates the time of year when monitoring of nymphs should occur on apples (PK = pink, PF = petal fall).
Egg—Overwintering Stage
- Size and shape: 1/28 inch long and sac shaped
- Where: inserted into the bark or under budscales with only the lid exposed, making the egg almost impossible to see
- When: overwintering eggs hatch in the spring beginning as early as tight cluster and continuing through petal fall
- Hatching peaks during bloom
Nymph—Damaging and Monitoring Stage
- Color and shape: translucent white and oval shaped just after hatching
- When: nymphs are present in orchards from April through mid-September. However, apples are susceptible to injury only from bloom until fruit are about ½ inch in diameter.
- Passes through five instars in about 4 weeks depending on temperature
- Gradually turns from translucent white to pale green
- Older nymphs have black spines on their legs
- In early stages, campylomma nymphs may be confused with young white apple leafhopper nymphs, but the campylomma nymph has longer, moveable, segmented antennae.
- First instar nymphs may be confused with early instar aphids, but the aphid is spherical in shape, darker green, and much less active
- First generation nymphs damage developing fruit
Adult—Monitoring Stage
- Size, color, and shape: 1/10 inch long, greenish brown to grayish brown, and shaped like an elongated oval
- Distinguishing feature: dark spot on the first segment of the antennae and black spines on the legs
- When: first appears in mid- to late May
- There are three to four generations a year and a percentage of first generation adults migrate to herbaceous hosts outside the orchard
- Late summer generations return to orchards from herbaceous hosts in late summer through fall to mate and lay eggs that will hatch the following spring
- Females live about 17 days and lay about 38 eggs each
- Adult is a predator that feeds on mites, aphids and pear psylla and can be beneficial
Life history timing is from research conducted in central Washington and may be different in Utah
Common mullein is an attractive herbaceous summer host for campylomma (E. Beers, Washington State University).
- Damage is caused by the nymphs, which feed on blossom calyxes and developing fruit, causing dimpling and fruit deformity.
- The injury appears shortly after petal fall as small corky areas alone or small corky areas surrounded by a depression. Severe injury can cause cat-facing.
- Golden Delicious appear to be more sensitive to injury from Campylomma feeding than darker-skinned cultivars, such as Red Delicious.
Sample apple trees starting at pink stage of apple bud development, because research in Washington indicates that prebloom and bloom chemical treatments are more effective than postbloom treatments. Campylomma nymphs are sampled by hitting a limb three times with a padded stick and jarring nymphs on to a cloth tray. The tray can be square or round and measure 18 inches x 18 inches (square) or 20 inches diameter (round). Sample one limb on each of at least 10 trees in blocks of 5 acres or less and on 20 trees in blocks larger than 5 acres. Research from Washington state indicates, that if there is less than 0.1 insect per tray on The arrow indicates the time of year when monitoring of nymphs should occur on apples (PK = pink, PF = petal fall). Golden Delicious and less than 1.0 per tray on Red Delicious at bloom, there will be less than one percent fruit damage at harvest on those varieties. Fruit appears to lose sensitivity to damage as it matures and fruit larger than ½ inch in diameter is fairly insensitive to campylomma injury. See "Campylomma Beating Tray Method" for a sampling form and more instructions.
At the present time, there are no effective cultural control tactics for campylomma. In addition, no effective natural enemies have been discovered. Therefore, control efforts currently rely on properly timed application of chemicals.
There is a narrow opportunity for control between when the eggs hatch and when fruit damage by the nymphs occurs. Fruit is susceptible to injury from bloom until fruit reaches about ½ inch in diameter. However, the bloom through petal fall stage is the most susceptible to injury. Therefore chemical controls applied by late bloom are the most effective. If there has been a history of campylomma problems in an orchard, Lorsban can be used in the delayed dormant application to provide some suppression of spring nymph densities.
Recommended chemicals:
- acetamiprid (Assail)H
- formetanate hydrochloride (Carzol)- toxic to bees and predatory mites; during bloom, apply at night; do not use after petal fall
HHomeowner products available.
All brands are registered trademarks. Examples of brands may not be all-inclusive, but are meant to provide examples of products registered in Utah. The availability of pesticides may change. Always read the label for registered uses, application and safety information, and protection and pre-harvest intervals.
Remember that the adult is a beneficial predator. Do not control unless necessary.
Precautionary Statement: All pesticides have benefits and risks, however following the label will maximize the benefits and reduce risks. Pay attention to the directions for use and follow precautionary statements. Pesticide labels are considered legal documents containing instructions and limitations. Inconsistent use of the product or disregarding the label is a violation of both federal and state laws. The pesticide applicator is legally responsible for proper use. This publication is issued in furtherance of Cooperative Extension work. Acts of May 8 and June 30, 1914, in cooperation with the U.S. Department of Agriculture, Vice President for Extension and Agriculture, Utah State University.


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News By Tag
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Industry News
Resolution 2012: The Habit Factor® App and Bestselling Book – Your Productivity Dynamic Duo
Top Productivity Goals and Habits App (iTunes and Android) – and now Amazon Bestseller – revolutionizes goal achievement for thousands worldwide.
In The Habit Factor book, Grunburg explains how his fortunes changed when he finally nailed a big goal: paddling from Catalina to Manhattan Beach in the Catalina Classic, a 32-mile open-ocean paddling event. "Although I had no paddleboard or paddling experience, I ultimately completed the event with only six months to train. The event had always been a 'bucket list' item for me. This success made me reflect a great deal about the process I used; it occurred to me that my focus was exclusively on developing core, supportive behaviors (HABITS) that drove the realization of my goal. I realized my success did not come from working from a to-do list for the event. Instead, my process was to plan and track just 5 habits I hoped to develop – habits I believed would lead to the goal's attainment."
Grunburg then worked with a handful of executives and coached them to achieve their goals using The Habit Factor methodology, which he turned into a mobile app, and the rest, as they say, is history. Today, The Habit Factor is a top productivity app that has been downloaded over 50,000 times (Free and Paid versions) and exists on both Android and iPhone platforms. Grunburg says one of the greatest things about the mobile application platform is the near-immediate feedback from users. Reading users' reviews and emails about their successes is extremely rewarding and humbling, he says.
Grunburg's app utilizes what he calls Habit Alignment Technology™. "It's just a simple way to associate/align core, related habits to your desired goal. We have found it is the easiest and fastest way to gain the much needed traction and momentum required to achieve a goal. The process is first to plan and then track your habits. It's simple, quick and highly effective."
Why a Book?
The more Grunburg studied habit, the more fascinating habit as a sole subject matter became. "I felt it was critically important not to provide yet another self-help book based solely upon a list of values or principles, rehashing much of the same content already out there." And, given the effectiveness of the app and methodology, he kept wondering why nobody had written a book exclusively on the subject of HABIT as it related to goal achievement – which, he explains, is the most powerful force behind ALL goal achievement. "There is a lot of confusion and misunderstanding about habit," he says. "Consider that the large majority of people first associate habit with a negative connotation."
Perhaps even more interesting, Grunburg states that the numerous habit and goals apps in the marketplace make no distinction between habits and goals, and often confuse the two. "Unfortunately, the link between goal achievement and habit hasn't been broached – not on any significant scale and not with any step-by-step process. The book is really a very deep study of habit from multiple dimensions: philosophy, spirituality and even scientific to help enlighten the reader about the profound impact habit has on all facets of our life."
With the book now in digital form (Kindle and iBook), it provides those who enjoy the app a much deeper understanding of the subject of habit as well as a quick way to access the book. "I share what I believe to be some interesting theories about habit as well as supportive philosophy and, of course, some of the latest neuroscience and what is now understood about our brains and habit development."
Looking Ahead: The Habit Factor® 2.0
"THF 2.0 will be awesome! We're taking all the lessons learned and user feedback, and even incorporating input from interactive workgroups – we've discovered a very powerful effect that a group dynamic can have on the acceleration of goal achievement in the right environment. Think rules and games!" Grunburg won't give too much away at this point, but has assured app users that the next level of The Habit Factor will also be cloud based and allow users to ultimately sync their habit-tracking data to the cloud and vice versa.
Additionally, Grunburg shares that in 2012 The Habit Factor plans to unveil its new, certified-professionals program. This program will formalize the relationships sought by many personal development coaches, trainers and PhD's who already utilize The Habit Factor methodology with their clients. Certified professionals will gain additional materials and an enhanced toolset to use with their clients. "Formalizing these relationships helps to increase education and awareness about the significance of habit, which is our ultimate mission."
For more information about The Habit Factor® book, app or certified professional program visit: www.equilibrium-
# # #
Personal development apps and books. Equilibrium Enterprises delivers applications and publications designed to add a tech twist to age-old precepts for achieving success. For more information, visit www.equilibrium-
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Longhorns Longview: Texas Business School Rallies for Investments in Ethical Entrepreneurship
The spring stampedes (yes, stampedes plural) in Austin have begun: Students fleeing for spring break and visitors invading for South by Southwest. Local businesses and groups have already inaugurated the annual confab, opening today, with pre-festival pub crawls as well as single-location, non-crawling parties. McCombs School of Business at the University of Texas (Hook 'em horns!) also plans to celebrate all weekend long, promoting its innovative, entrepreneurial culture for fun, for press coverage, for hometown fans...and for some much-wanted donations.
McCombs ranks academically in the top-tier of business schools, alongside Darden (University of Virginia) and Marshall (Southern California), among others, but it's not keeping up when it comes to alumni donations. A couple years ago McCombs dean Tom Gilligan launched the Our Turn campaign to boost such giving, and the school is using Rally.org to continue its fundraising. (Before Rally was even a twinkle in the eye of founder and McCombs alumnus Tom Serres, he spent part of his undergrad years creating and building an earlier crowdfunding site.)
Whether from Longhorns or the people who love them, their financial gifts encourage training for and eye-opening research into business approaches that are creative, responsible, powerful, and forward-thinking. The McCombs campaign also supports resources available to anyone with an Internet connection. There's the alumni magazine (featuring, by coincidence, a timely story about why students have a hard time paying for a McCombs education). There's also the savvy video series Ethics Unwrapped, which explores the question "Why do good people do bad things?" using straightforward explanations (no jargon!) from students and charming animated drawings, plus downloadable classroom notes and discussion questions. Think biz-school and behavioral economics snapshots on Vimeo.
We at Rally love the cleverness of Ethics Unwrapped and how the series offers streamlined conversations about the collision of psychological biases and organizational and economic pressures. At the heart of these videos is the reality, as one student observes, that "we live in a social world...We can't just make decisions based on what benefits us the most," in part because this social world keeps nudging us toward choices that will ultimately harm, or help, an ever growing number of people.


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Zoecg.com is a 1 year old domain, situated in United States. The domain is linked to the IP address 184.108.40.206 which is provided by the hosting company Nobis Technology Group, LLC.
It was registered by lirong shi , who can be reached at . The site is owned by lirong shi. Registration details show that it was registered on 07 Jan 2016 through bizcn.com, inc. and will expire on 07 Jan 2017.
The site returns a status code of 200. The site is being served through Microsoft-IIS/6.0.


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Event Supply offers all the products necessary to run a trade show.
Everywhere Chair LLC offers all sorts of chairs at great low prices everyday.


text:
I have arrived, albeit annoyed
Trip Start Jul 21, 2009
36Trip End Aug 22, 2009
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Where I stayed
Admiral Hotel
Oh well, that's all just silly complaining now that I'm here and checked in in Copenhagen. Thanks to Skype, did a cheap call to Verizon and got my mobile working (they had activated an old Sim Card in my previous blackberry that was replaced due to failure). So now I'm set. When I'm on land, I've got my blackberry with all my usual features square.
Having said that, I need to find some food. There's supposedly some little party tonight too, but with only 3 hours of sleep "last night" (although it's currently 4:30pm here, 7;30am back home) I doubt I'll go for long.
- Cam


text:
Emotional finale for Maestro Ling
Garrett Harris 2 p.m., May 29
4690 Convoy Street
Homicide on June 14, 2002l arrest on March 11, 2008.
An arrest gas been made in the cold case homicide of Don Dak Su, a business owner of Han Kuk Billiards.
On June 14, 2002, Don Suk Su and two other male victims were shot by unknown suspects during a drive-by shooting, around 11 p.m., outside the billiards. Su later died at the hospital.
Members of the SDPD Homicide Unit, the Violent Crimes Task Force/Gang Group, the FBI, the SDPD Street Gang Unit, and the District Attorney's Gang Prosecution Unit conducted an extensive investigation over the last several years, according to Lt. Terry McManus, and the teams identified 26-year-old Down Yang as a suspect in Su's murder.
On March 11, at 11:45 a.m., detectives charged Yang with one count of murder.
Finding Yang was easy; he is currently in prison for an unrelated conviction.
The investigation is still on-going, as there were more than one gang members involved in the shooting. Apparently, Su was not the intended target and was simply in the wrong place at the wrong time.


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The first Film Photography Podcast (FPP) meet-up was held in New York City on Saturday, April 16, 2011. Grey skies and wind didn't stop avid FPPers and FPP founder and host Michael Raso (That's me!) from coming out to meet and get to know each other.
Meet-Up organizer Dan Domme along with Michael Calleia and Mat Marrash mapped a walking route from 23rd Steet to Canal that included stops at Lomography Store, Leica Gallery and The Impossible Project. The day ended at Impossible where the enthusiastic group posed for an 8x10 portrait shot on Mat Marrash's Eastman Commercial B camera.
For those of reading who do not know, Polaroid stopped making instant film in 2008, ending their 50+ year reign as the one and only instant photography kings. Fujifilm in Japan picked up the ball by producing "some" instant film for older Polaroid "pack cameras," but a huge void was left as no company was producing film for the millions of Polaroid SX-70 and 600 cameras in the world.
Pat Sansone will be signing his book "100 Polaroids" this Friday, 11/19/2010 in Chicago, IL. Pat is one half of the band The Autumn Defense and a member of the band Wilco.
When Polaroid announced in 2008 that it would cease production on all of its instant films, no one would have dreamed that in two short years a group of entrepreneurs called The Impossible Project would be able to once again produce instant analog films for Polaroid cameras.
As producer and host of The Film Photography Podcast, I'm thrilled to announce that Impossible Project's Dr. Florian Kaps and Dave Bias will be my special guests on the upcoming November 12, 2010 (Episode 20) Internet radio show.
I received an e-mail from Film Photography Podcast associate Rob Nunn the other day asking me about the various Polaroid film formats. The e-mail prompted me to produce this little video about the fantastic Polaroid Colorpack II camera.
Michael Raso welcomes guests Pat Sansone, Dave Bias and Anne Bowerman - celebrating Pat's new book "100 Polaroids" at the Impossible Project NYC. Plus listener letters, the Kodak Pony II camera, three big giveaways and more! This episode I'm joined by enthusiastic film photographer Joe Kolbek.
The Film Photography Podcast (Internet Radio Show) celebrated Instant Photography by giving away a copy of Patrick Sansone's new book "100 Polaroids."
©2009 - 2017 Film Photography Project, LLC. All rights reserved.
All images on this site and their copyrights owned by the photographers.
Images are not to be reprinted or reused without the express permission of the photographer who took them.
Design: Calleia.com


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Product Reviews
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Posted By: BethM
verified customer
Perfect complement to crystals in TristrandDecember 8, 2011
I enjoyed using these beads that inspired me to make the necklace set in the attached photos. I was very please to see these beads that actually looked even better when I opened them up than in the picture. I love faceted beads!
3 people found this review helpful
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Posted By: ArtbeadsCynthia
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Organic Fire-Polished BeadsSeptember 6, 2010
Click here to review this product
(Reviews are subject to approval)


text:
Designer Aamir Khan Latest Summer Kurta Collection 2012
Aamir Khan spring/summer collection 2012 has recently designed and launched their products for men .Aamir Khan is an emerging fashion designer of pakistan which started its work in year 2012. Aamir Khan objectives is to be provide high quality and trendy clothing and accessories for men. Aamir Khan latest spring collection 2012 is consists of simple but decent men's kurtas which has colorations with little bit embroidery on neckline and most of them are looking very mutual and simple . Latest summer collection 2012-2013 by Aamir Khan has come up with very beautiful and shining colors which are perfect for the season of summer and these colors are very common in trends for menswear.You can wear these type of kurtas with shalwar, churidar pajamas and jeans. Now let's have a look..
Now available in our flagship store in Karachi and at "The Dark Room" Lahore.
Label: Aamir Khan
Models: Faheem Abbas, Arsalan, Salman
Makeup: Sikander
Photographer: QHA
For more details & Prices contact:
contact # +92 333-3648221
Email: email@example.com


text: I have searched all over so please dont kill me if this has been talked about. I need to replace the two led light housings on the trunk lid. I have successfully removed the middle piece(which holds the trunk button) but it seems the the two side lights have fasteners under the plastic bottom piece of the trunk (the piece where the license plate screws to) How do i remove that plastic garnish piece. Ive tried to pull on it but it doesnt seem to "snap" in place. I also didnt see any screws on the backside under the plastics. I know i need a service guide but i have to have this done by this weekend for a photoshoot so i dont have time to order one. Any help would be appreciated.


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German Shepherd Dog Forums (http://www.germanshepherds.com/forum/)
- Puppy Behavior (http://www.germanshepherds.com/forum/puppy-behavior/)
- - Bathroom rugs! (http://www.germanshepherds.com/forum/puppy-behavior/195331-bathroom-rugs.html)
Bathroom rugs!
Does anyone else have a problem keeping their bathroom rug straightened? Or even in the right place for that matter? Stark HAS to zoom into the bathroom or bring his ball in there or just go in to check out the tub or accompany me and he ALWAYS messes up my bathroom rugs. I straighten them out and one minute later they are strewn about again. Im actually not really complaining, I just noticed tonight more because I cleaned the bathroom really well and it looks cleaner when everything is in its place. And, he just zooms around the house sliding around the bathroom on the rugs. :crazy: lol. Just wondering if anyone else has this problem with rugs on slippery surfaces with their dogs? I think I'm just going to have to give up thinking I can ever keep my rugs where they belong. Oh well :rolleyes:
YES YES YES YES...it is crazy. Mine isn't the bathroom, its in the dining area. I got the area rug so that the dog wouldn't slip on the hardwood floors, but now she moves the carpet:( They have a sticky underlayment you can get at home depot to keep the rug in place, I just don't know if it will hurt the hardwood floors or leave discoloration. But you might be able to use it in the bathroom.
Yes! The bathroom rugs, our welcome mat, and the small rug in front of the kitchen sink were all over the place until! I bought some corking from Home Depot and made lines on the back of them let it dry now they have some grip and they don't move as much could try that?
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Oh I would also make sure it's completely dry and test a small area first before leaving them in place permantly
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lol yes! Porter loves that bathroom rug... we are working on remember to keep it closed and we are getting better but its like he has "bathroom door open" radar and darts straight for that rug if the door is open and then he runs behind the couch with it so we cant get it back.
My kitchen rubber backed mats migrate throughout the room. I put a no slip padding under them but Foxy manages to move them all over the place. I tried the strips of caulking but they stuck to the flooring and it took some work to get the goo off without damaging the floor. Good luck:)
Oh your rugs do that too? I thought mine were the only "roaming rugs" on the face to the planet. LOL
My pet loves playing on the rug. He feels very much comfortable as the rugs are soft and smooth. We too had same problem and we then placed the rug pad within the jute rugs and now snowy cannot move the rug from its place.
Well, I found a bathroom rug OUT IN THE BACK YARD once -- a certain mischief-maker took it through the dog door. I think he might have been building himself a nice, comfie bed to lie on to sun himself outside. :crazy:
For the sliding, there are rolls of rubberized rug padding that they sell at Home Depot or Lowes that help--cut it into strips, then put the rug on top of it, and the sliding will stop. I don't think it's meant to be used it on high-gloss hardwoods though (the rubber might leave a mark).
lol our welcome mat was in his crate when I came home from work yesterday! We have anti slide things under them so he doesn't slide on them at all (but ours are on tile not hardwood so I dunno if it would damage it, I doubt it tho) The only issue is if he does move the rug, those sticky rubber things are HISTORY!!
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|Topic Review (Newest First)
Re: where to buy replacement quadrant bracket?
I would go to Edson directly, they have a large inventory. That looks bad, hope you were not trying to dock, run an inlet or anything in close quarters.
Lancer 36
where to buy replacement quadrant bracket?
I need help identifying the manufacturer or a source of a replacement part. This is the quadrant bracket from our 1964 Glander Tavana 33.
The rudder stem is bronze and circular cross section as it comes through the stuffing box; from there it is machined to a square cross section. This portrayed part is square steel tubing welded to a bracket which has two holes that mate to the two holes on the quadrant. It is a loose fit on the stem with bolts through the square section that are adjusted to pinch the stem allowing for final adjustment of the quadrant alignment. Here the two screws have rusted out and subsequently, the quadrant simply rotates around the stem - no steering control at all.
I believe I can have the part fabricated but I would like to find a replacement part. Any help would be greatly appreciated.
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text:
So, you want to attend a UK based RT fan meetup, but couldn't get tickets to RTX London? Or maybe you are going to RTX London, and want a chance to meet other community members? Maybe you just want to attend a community run event in general? If the answer to any of these questions, or the many others that I couldn't think of, is YES, then do we have some news for you!
RTUK, the annual event run by members of the Rooster Teeth UK community, is returning to Leicester once again this August! We'll have a number of different activities spread throughout the weekend that'll be sure to help you get to know your community, and better yet, have an amazingly entertaining time.
August 4th - 6th
- Friday from 5pm we meet at Rack 'n' Roll (LE1 3XL) (no ticket required) Then those who pre-book will head to Megazone (LE1 3LH) (18+ only) for Laser Tag from 9pm-11pm.
- Saturday from 11am we meet at Queen's Building, DMU (LE2 7DR). Activities TBC (ticket required).
- Sunday is a casual day, featuring brunch, cosplay, photo shoots and other activities TBC. (no ticket required).
Be sure to follow @RoosterTeethUK on Twitter for more details as they're announced!


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by Katherine Martinelli and Francoise Villeneuve with Antoinette Bruno
Sustainability is deeply engrained in the culinary culture of New Zealand. From eco-conscious and antibiotic-free New Zealand King Salmon farms to ethically raised deer (not to mention the pristine produce), New Zealand chefs understand that sustainable products just taste better. And this is evident in their elegant, ingredient-driven cuisine.
As one of the world's most vibrant New World wine regions, a visit to New Zealand wouldn't be complete without visits to some of the area's great wineries. Many of the wineries in New Zealand conveniently also have excellent restaurants, and the chefs, winemakers, and sommeliers all have a deep-rooted understanding of terroir and dedication to creating memorable food and wine pairings.
Azur Lodge
23 MacKinnon Terrace
Queenstown, New Zealand
+64 3 409-0588
Rooms start at $642 US
Private lodges of beechwood and stone overlook the mountains as the sun rises at this Queenstown retreat, making for a serene and restful stay at this spa-like resort. Relax by the fire in your modern room, or explore the local wild-life with a hike or horseback ride. A helicopter tour of the area can even be arranged by Azur upon request.
Hotel De Brett
2 High Street
Auckland, New Zealand
+64 9 925-9000
Rooms start at $207 US
With under 30 rooms, Hotel De Brett offers a more boutique feel than some of Auckland's larger hotels. It has the advantage of being centrally located near the city's Ferry Building and Sky Tower, and a library/drawing room is available for you to unwind and read at the end of the day. Kitchen is particularly well-appointed for a hotel restaurant, should you find yourself not in the mood to venture outside this urban retreat.
Millenium Resort
243 Lake Terrace
Taupo, New Zealand
+64 7 376-1692
Rooms start at $200 US
On the edge of Lake Taupo, you will find Millenium Resort, with a stunning view of the Central Plateau Mountains. With facilities like a tennis court, gymnasium, heated swimming pool, and sauna, it makes a comfortable choice for both active visitors and families.
Monaco Resort
6 Point Road
Nelson, New Zealand
+64 3 547-0797
Rooms start at $85 US
This idyllic and laid back Nelson resort located on the Monaco peninsula appears from a distance to float on the surface of the water. The rooms inside each brick cottage have a homey English countryside feel, with their rose paintings, wooden beams and rustic furniture and the whole complex mimics a village, complete with stream and village green. The Kiwi-French restaurant The Orangerie makes for a comfortable spot for afternoon tea, should you feel the need to stay within the Brit theme during your stay.
Museum Hotel
90 Cable Street
Wellington, New Zealand
+64 4 802-8900
Rooms start at $141 US
Museum Hotel in central Wellington flanks the city's harbor and New Zealand's national museum, Te Papa. Rooms are comfortably modern, with rich chocolate browns and bronze color schemes. Some are available with an attached kitchenette so you can prepare yourself a morning cup of coffee or tea without leaving your room. In-room washer-dryers, a 42-inch TV screen, and high-speed internet access are among the other touches that makes the hotel a user-friendly option. The recently rennovated Hippopotamus restaurant serves very competent French-Kiwi cuisine under the direction of Executive Chef Laurent Loudeac.
AJ Hackett Bungy New Zealand
Kawarau Bungy Centre
State Highway 6, Gibbston Valley
Queenstown, New Zealand
+64 3 442 4007
Prices start at $86
With six AJ Hackett sites in Queenstown, you can admire some of the best available views of the city before slicing through the air for the ultimate adrenaline rush.
Anatoki Salmon
McCallums Road, Anatoki Valley
Golden Bay, New Zealand
+64 3 525-7251
Free entrance, pay per fish caught
If you are planning on visiting New Zealand with your brood, Anatoki Salmon is a small freshwater salmon farm that doubles as a family fishing experience on the banks of the Anatoki River. Once you secure your catch, free cleaning and hot-smoking are available.
Firstlight Deer Farm
PO Box 2093 Stortford Lodge
Hastings, New Zealand
+64 6 878 2712
Firstlight is a venison and wagyu beef producer whose collection of 35 farms may be open to visitors upon request. Our visit to Firstlight's Hastings farm from the back of a pick-up truck was an eye-opener.
The Sea Kayak Company
506 High Street
Motueka, New Zealand
+64 3 528 7251
Prices start at $130 US per person
Abel Tasman National Park, the smallest of the country's national parks, is a scenic option for your first kayaking trip, or you may choose to rent kayaking equipment and venture out on your own if you are a more seasoned sportsman.
Tramping Tour at Wai-O-Tapu
201 Waiotapu Loop Road, RD 3
Rotorua, New Zealand
+64 7 366 6333
Prices start at $150 per person
Learn about Rotorua's natural geothermal features, as well as the local flora and fauna guided by a local naturalist.


text:
Well, since Blenderartists is down, I'll just post this here, and there when its back up
Finished it a few moments ago, just for fun, spent the afternoon on it.
The Yellow Assassin
__________________________________________________ ___________________
All In Blender, made with 2.44. Nothing too complex, but Im really happy with it, all critiques and opinions welcome, I may make some changes before the Blenderartists debut.
No points for guessing the yellow assassin.....


text:
This morning's Scripture
by, 06-02-2012 at 10:21 AM (729 Views)
Put on then, as God's chosen ones, holy and beloved, compassionate hearts, kindness, humility, meekness, and patience,
Colossians 3:12
Yesterday I took my Husband in to have 4 teeth pulled, 2 wisdom teeth with 3 very long curved roots on them.
3 years ago I had surgery to remove all 20 of my teeth and so I can empathize with him very much.
I'm over compassionate for the poor guy, I remember the pain, uncomfortablness and frustration all too well.
When I was so sick from my teeth for so many years I was constantly in the hospital with problems from them, so finding compassion for others in many situations is not out of my reach!
We also need to try to remember to be compassionate for others when we do not know or understand the pain their going through, whether physical, emotional or mental or even possibly all of the above!
Their are all too many times (even in my own life)we are short tempered or less than understanding & kind to others we encounter.Just the other day I was in quite a bit of pain and snapped at one of the school secretaries, I called her back a few moments later and apologized for my actions.
I try each and every moment of each and every day to think before I open my mouth or act, "what could this person be going through, would I like if they spoke or treated me in a bad way". Sometimes that so hard, as humans we just instantly "react" and a lot of the time it's not how the Lord would like us to "represent" Him!
Since my surgery I've been sick only once, and what a HUGE relief on my body and mind (not to mention our wallet!).
But that does not allow me to forget the pain others go through or may be going through, no matter what pain it is.
If we are to "mimic" our savior, compassion is something we NEED to have 24/7.
When the day comes for me to meet my Master, I want to see a smile on His face, I want to see His open arms, I want to see pride in His eyes for my job here on earth, for my behavior and treatment of His other children!
Today-We've all already been "less than perfect"...Let's start changing that shall we!
Have a wonderful day in the Lord my friends!
Candy :0)


text:
Statutory fraud or not?
Dixon, William M. (2002) Statutory fraud or not? The Queensland Lawyer, 23(2), pp. 35-36.
Accepted Version
(PDF 11kB)
The possibility of fraud lurks easily in the context of a mortgage transaction (as recently exemplified by the decision of the Queensland Court of Appeal in Young v Hoger [2001] QCA 461). A relatively novel issue, involving an allegation of fraudulent behaviour, arose for consideration by Justice Wilson in Unic v Quartermain Holdings Pty Ltd [2001] QSC 403
Impact and interest:
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|ID Code:
|Item Type:
|Journal Article
|Property Law, mortgage transaction, fraudulent behaviour
|Australian and New Zealand Standard Research Classification > LAW AND LEGAL STUDIES (180000) > LAW (180100) > Property Law (excl. Intellectual Property Law) (180124)
|Current > QUT Faculties and Divisions > Faculty of Law
|Copyright Owner:
|Copyright 2002 Lawbook Company/Thomson Legal & Regulatory
|Deposited On:
|06 Jul 2011 22:18
|Last Modified:
|10 Jul 2011 02:57
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text:
In the course of its growth Agung Podomoro Group has also taken over several real estate development companies in Sunter area which were having financial problems. Altogether, Agung Podomoro Group has developed over 500 hectares of land into residentials, warehouses, and industrial estates.
Starting in the early 1990's the Group expanded to other locations around Jakarta & surroundings, i.e. Sudirman, Tanah Abang, Kebayoran Baru, Marunda (industrial estate), Bojong gede, Tambun, Kebon Jeruk & Bandung.
We are Looking For High Quality Person to Join with Us :
Marketing Manager (MM)
* D3/S1 any background, age : 35-45
* Experience minimal 5 years in selling Kios at Trade Center / Mall
* Leadership skill, analytical skill
Marketing Supervisor (MS)
* D3/S1 any background, Age : 30-40
* Experience minimal 3 years in selling Kios at Trade Center / Mall
Marketing Executive (ME)
* SMU/D3/S1 any background, age : 25-35
* Experience minimal 1 year in selling Kios at Trade Center / Mall
General Qualifications:
* Excellent appearance & communication skill, hard worker
* Having good networking, able to work under pressure
* Active & able to open market to sell Kios, creative
If you have commitment to grow with Agung Podomoro Group, please send your CV with recent photograph to:
HR Department - PT Melawai Jaya Realty
Blok M Square Building 6th Floor
Jl Melawai V, Melawai, Kebayoran Baru, Jakarta Selatan 12160
Author : Lowongan Kerja | Updated at : 11:36 PM | Category : agung podomoro group, d3, industri properti, jakarta, marketing executive, marketing manager, property developer company, s1, sma