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Employer Retiree Benefits
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Whenever purchasing many types of Medicare plans, you actually cancel the old policy before instating the new policy. That is not the case where Medicare A and B are concerned. The reason, recall, is that affordable Medicare Supplemental insurance coverage is meant to fill the gaps of conventional original Medicare policies.
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Otherwise, you will spend time having to contact the Florida insurance department or commissioner to file official complaints to get the claims paid within the acceptable two-month window. All of the Plan C Medigap coverage will be the same as that same plan from another insurer. Look at service quality and price. Look at comparing insurance company offerings to locate a cheap medicare supplement insurance plan in Panama City Beach, FL .
You will also need to look for separate prescription drug coverage, which is designated by Medicare Part D. This will add in an additional premium in addition to other costs. The key is that the majority of people who qualify for cheap medicare supplemental insurance are 65 and older, and look for their Medigap during open enrollment.
In addition , the other requirements stipulate Medicare Part B and Part A participants are eligible. Once you choose a discount Medicare Supplement insurance it is as if it is written in stone and can not be altered.
To be eligible for cheap Medicare Supplemental insurance plans in Panama City Beach, FL apply for coverage offered by insurers within your state. All policies are available in each state, though most states will have one single policy available for Medicaid plan holders.
Everyone at age 65 and older and who is also enrolled in the Medicare Parts A and B is eligible to purchase a supplemental plan. It is advisable to decide on a plan during the 6 months of open enrollment to pay the most favorable policy premiums. When comparing costs during the open enrollment, it means pre-existing conditions are not factored into the pricing for the premiums. It is the hands-down best way to save money on a Medigap Supplemental plan in Panama City Beach, FL .
Always find out the Florida laws prior to shopping. They can vary a bit, though it is important to recall that the policies are uniform across states. Use online free quotes searches to find all of the options available to you. Narrow it down based upon credit worthiness of each of the insurers, along with their quality of care and their speed of paying out claims.
More Florida Cities We Cover:
More Tips About Panama City Beach, FL Medicare Supplemental Insurance
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Morris Technologies
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Picking a martial arts school can be hard
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Self defence for kids - recognising danger
Teaching our children (and ourselves) to recognise what is "normal" in our homes, schools, and local community can make it a lot easier to spot incongruities that may signal a potential danger or dangerous situation. This article outlines some potential danger signs that your child could be more aware of.Read more
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Report-Out: Joint Committee on Arts
Joint Committee on Arts: The Creative Economy as a Jobs Engine
Over 100 people joined the Honorable CA State Senator Curren D. Price at Culver City's Museum of Design, Art and Architecture on the morning for February 26th for an Informational Hearing of the Joint Legislative Committee on Arts. The subject: The Creative Economy as a Jobs Engine in California. CA State Senator Roy Ashburn (18th District) noted it was fitting that a gathering on arts & culture was "standing room only."
Senator Curren D. Price, Chair of the Joint Legislative Committee on Arts, welcomed the crowd, citing Americans for the Arts data that estimates 44,000 jobs in the creative sector within Senator Price's district alone. "The arts are not just entertainment," he said, noting that the gathering was especially fitting at a time when so many legislators are focused on jobs, as "many of them are arts jobs. Arts creates jobs-- and we know how important those jobs are, especially right now."
Leaders from throughout California took the podium to speak on that topic, underlining the arts' role as an economic engine.
Overarching themes:
Arts = Jobs. The Creative Sector is comprised of hundreds of thousands of Californians, from toy designers to actors to independent filmmakers, all of whom generate additional business in their communities through purchasing materials, encouraging tourism and being an active part of the business community.
A strong creative sector requires k-12 arts education. Even as California's creative sector continues to grow, school districts are cutting arts education. Malissa Feruzzi Shriver, Chair of the California Arts Council, said: "People with arts in schools are productive citizens. And we don't want to have to import our entire creative workforce from other states." She also noted that the California State University system requires a year of arts education for admission.
Brad Erickson, President of California Arts Advocates and Executive Director, Theater Bay Area, quoted a National Endowment for the Arts study that found that after participating in just one play during their high school years, students were found to be demonstrably more tolerant than their peers.
Otis College President Samuel Hoi, after speaking about the many jobs in the Communications Arts and Toys/Fashion sectors, said "We need to look at our k-12 arts education to prepare people for these jobs."
The Creative Economy is broader than museums, visual arts, music, dance and theatre. It includes filmmakers, designers (toy, clothing, video game, graphic), digital media, recording artists and many separate jobs within each of those industries.
In addition to Hoi, representatives from the Performing Arts & Art Galleries, Motion Picture & TV Entertainment, Digital Media and Music industries spoke about the thousands of jobs in the sector, the economic impact of the industries and the additional tax, tourism and related industry revenue they generate.
Selected Statistics:
- Data from the Pennsylvania Cultural Data Project suggests that for every $1 spent on arts and culture, $8 enters the local economy (cited by Erickson).
- Los Angeles has surpassed New York City as the fashion manufacturing center of the United States and has become a $71 billion local industry. Direct & indirect jobs in the Los Angeles area for fashion and toy design top 232,000, with design jobs projected to increase. According to Hoi, these skilled design jobs cannot be outsourced easily, as they require specialized training.
- 40 states offer incentives for television and film production in an effort to draw production away from California. According to Susan Cleary, General Counsel, Independent Film & TV Alliance, California's new tax incentive can help bring production back to California; she praised California legislators for supporting the incentive.
- However, as Robb Bohannon, State Issues Director of the Entertainment Software Association pointed out, "California is not competitive with incentives" for high-tech talent and digital media. There is a lower cost of doing business in other states, who are aggressively luring visual media companies away from California. Currently, 40% of the industry is still in the state, and 40 colleges or trade schools offer specialized training programs.
- Days of shooting for television or a motion picture can inject $50,000 into an area. One day of shooting costs between $100,000 and $200,000, so production moving out of California has a negative impact on local revenues. Amy Lemisch, Executive Director of the California Film Commission, said the film and television industry is the third highest in terms of jobs in Los Angeles County. Incentives can help this production remain in the area.
The Arts License Plate can help bring much-needed funding to the California Arts Council. Shriver, Erickson and several of the public comment speakers urged all arts advocates to purchase the Arts License Plate. Sales revenue goes directly the grants program of the CAC, which now receives only $1 million from the state government (down from a high of $30 million in 2001). Despite its strong ties to the creative industries, California ranks dead last in per capita arts funding. The CAC's current campaign for one million new Arts License Plates would generate $40 million in state grants funding.
Shriver spoke about the possibility of installing arts plates on company fleets for production studios and other large creative industry companies. The CAC is still exploring this option.
To purchase an Arts License Plate, please click here.
Research & Tools Cited: Speakers & legislators referenced several excellent studies on the Creative Economy. Arts for LA has compiled some of them below.
Photos by Dawid Jaworski.


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Did I Miscarry-pg110109576074
Ive had cramps with bleeding like a normal period except now i am wonmdering if i had a miscarraige because there was blood clots its not unusual is it just shedding of the uterus or is it miscarraige. I took a pregnancy test it was neg. But i feel pregnant .please help
hello im not sure but iv had that hapen to me. when i first became s_xually active.
one question i got is a few months ago i had s_x and then i was 3 weeks late but after the first week i got a new bf. i somehow have the ability to control the length of my period if i will it strong enough i donnt know how but i can, ive always been able to. and as i was worried i kinda willed that if i was preg and it was my first bf's that i misscarry if it was the 2nd bf could i keep it. then i got my period so did i miscarry or was it just my period? any one know... the bleeding was reallllllly heavy hevier than ive ever had before or since, and it was all lumpy
I sometimes get blood clots during a heavier period. If you're still worried about it, contact a doctor so they can run a more sensitive test and see if you were pg.
Hey. I have the same question. I bleed like a period but had this huge, well it seemed huge to me, egg like thing. It was clear yellowish. It really freaked me out. Can anyone explain???
micarriages can be painful physically and mentally. i have had three, i pa__sed a blood clot about the size of a tangerine, there was no yellow it was all blood. you need to go to the doctor because you can still be pregnant, i had a period with one of my pregnancies.
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When I was a young Christian in the early 90's, I was also a very insecure teenager. I loved Jesus, and prayed everyday; but I also loved the world and wanted very much to be accepted by my peers as well as fit in. Needless to say, I did not do either one very well.
While I talked about God often with close friends, I noticed that God was not something openly discussed in everyday conversation with others in school. Although I was never ashamed of believing in Christ, I did not offer up this fact with others. Honestly, I just assumed most people would be able to tell that I believed in God since Christianity was more predominate during that time frame.
Even if most of my peers were lukewarm in their practice, they never denied a belief in God. Most of them would just talk about worldly topics before talking about something so "personal." Funny, these same kids seemed to have no issue talking about sex; but talking about God; well, that was too "personal."
While being Christian wasn't necessarily frowned upon, being "too" Christian was a bit much for my age-group. Evangelical carried a certain stigma with it. Although it was not seen as a right-wing, hate-group while I grew up, it was viewed as being somewhat ignorant of the world. Evangelicals were cast as naïve, sheltered, overly-emotional zealots who put too much emphasis on God and not enough on the world around them. Not all of them were outcasts, but they certainly weren't considered mainstream.
Sadly, I partly held this belief at the time too. I somewhat pitied these poor souls because they did not know how to relate to their fellow classmates. While I admired that they wanted to be close to God, I also felt sorry for them that they might not ever quite fit in. Deep down, I also thought that these same Evangelicals would not be prepared for the real world once they left the confines of their church and high school. I often wondered if their sheltered lives would cause them to rebel when in college, or that they would get married too soon and regret it later by wondering what they missed out on. Worst of all, I was worried that if they "beat their Bibles" over the heads of those they witnessed to that it would turn the unbelievers off of God and put up a permanent resistance in the unbelievers' hearts.
As I've matured and grown in the Word of God, I no longer hold that same belief as I did when I was a teenager. From my point of view now, there is no such thing as being too "Christian." Yes, our brethren can go overboard and become like the Church of Ephesus by overanalyzing the Word and forgetting their first love (Revelation 2:1-5); however, no one can have too much love for Christ or his fellow mankind by wanting them to be saved.
Growing as a Christian changes your whole being in ways I can't describe. While I used to view fitting-in as being important, I no longer worry about who is going to like or dislike me. I no longer put emphasis on whether someone will think "I've checked my brains at the door" or feel like they can't be themselves around me. I refuse not to be myself around them; and that means the part of Christ I want people to see, and the human side that still needs improvement.
My desire to see those around me come to Christ continues to grow; especially as the prophetic clock ticks closer to His return. While I do not consider myself imposing, I do find myself talking about our King much more openly than ever before. It does not mean that all situations are the right time to talk about Him; but God keeps giving us more and more opportunities with the headlines in the news lately. I find that more people are seeking answers to the chaos than ever before because of the birth pangs growing more intense.
As God continues to provide more opportunities to witness to His greatness, I just say a quick prayer before I discuss it and ask that God allows me to say what He wants me to say and that His Holy Spirit will work through me as He sees fit. I always say some prayers afterwards so that the seeds that are planted will grow, whether He uses me as the rain, sunshine, or just the soil that got it all started.
About Rebecca Droeger
Last week: Rocking Your World


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Decatur - Easter Seals in Decatur is gearing up for its annual Celebration Day fundraiser. It's next Friday, April 25th, on the Water Street Plaza in downtown Decatur.
Krispy Kreme donuts will be sold from 6am to 10am for $7 a box. A pulled pork lunch will be available from 11am until 1:30pm for $7. Proceeds go to benefit Easter Seals programs and services.
"It's our big fund raiser for the year," Easter Seals President Lori Brown told WAND News. "We want to raise funds, of course, for Easter Seals. But we also want to raise awareness of what we do here in our community."


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Something about the Census makes Republicans crazy. For the better part of two years, they battled the scientific community and the Clinton administration to prevent the use of statistical sampling techniques to correct for the undercount of people -- mainly low-income, minority, immigrant, transient and homeless -- that marred the 1990 Census. Republicans took the issue to court and had to be satisfied with a Supreme Court ruling that barred the use of sampling for apportionment of seats in the House of Representatives but approved it for everything else.
Then last week, just as the publicity effort to persuade people to return their Census forms was reaching its peak, several prominent Republicans said that Uncle Sam was getting too personal.
Rep. J.C. Watts of Oklahoma, chairman of the House Republican Conference, blamed the bureaucracy for including questions that "have raised an unprecedented level of concern," and other Republicans said they would introduce legislation to make responding to the Census voluntary, rather than requiring it by law.
All of this is basically nonsense -- the kind of politicians' talk that gives hypocrisy a bad name, even as it has serious policy consequences. Every single question on the Census 2000 form was vetted with Congress two years ago, and every one has its origin and justification in a requirement included in a law passed by Congress.
I have a March 1998, report (that's two years ago, folks) titled "Questions Planned for Census 2000." That same report went to every member of Congress. In the back is a table showing the first Census in which each category of questions was asked.
One of the questions on Census 2000 to which some Republicans have objected asks for the family income. That has been asked in every Census since 1940.
Another, the subject of much ridicule, asks, "Do you have complete plumbing facilities in this house, apartment or mobile home; that is, hot and cold piped water, a flush toilet, and a bathtub or shower?" That question, too, has been on the long form since 1940.


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