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Types of private health plans for children
There are many different types of health insurance and health service plans. Most insurers work to contain costs by requiring that hospital admissions, tests, treatment, and specialized care be approved ahead of time. This might be called pre-approved, pre-authorized, or pre-certified. Insurers often limit benefits and pass along some of the costs to their enrollees. Families must be ready to deal with many phone calls, lots of paperwork, ongoing follow-up, and careful record keeping. This is a lot to add to your schedule. And it's even harder when you're worried about your sick child and all the other problems illness can cause.
Co-payments or co-pays are the amount you must pay at the time of service, usually a flat fee for office visits or other services. Sometimes co-pays are confused with co-insurance, but they're not the same.
Co-insurance is a percentage of the bill you must pay even after you've paid the yearly deductible amount.
The deductible is the amount that you must pay each year for health services before the insurance plan will pay anything.
Types of health insurance plans
Here are very brief descriptions of the most common types of health insurance plans:
Managed care plans
These plans typically coordinate or "manage" the health care of enrollees. There are different types of managed health care plans. Some plans – like health maintenance organizations or HMOs – have a more limited network of providers and hospitals while other models like Preferred Provider Organizations (PPOs) have a wider provider network.
Most managed care plans have lower premiums and co-payments (co-pays) than traditional fee-for-service insurance. Co-insurance may also be less.
Premiums, co-pays, and co-insurance amounts can differ between managed care companies and even between services within the same company. There's usually no need to file claim forms.
Some managed care plans require members to use a primary care provider who coordinates all of the patient's care and serves as a "gatekeeper" for care from specialists. The gatekeeper is usually a primary care doctor who's responsible for the overall medical care of the patient. This doctor organizes and approves medical treatments, tests, specialty referrals, and hospitalizations. For example, if your child needs to see an expert like a lung specialist, you would need a referral from the primary care doctor before the specialist sees the child. Otherwise your plan may not pay.
Under most managed care plans, members must use only the services of certain providers and institutions that have contracts with the plan. Some plans do not require prior approval (also called pre-authorization), but do require that members choose to get their care from a list or network of providers. When parents choose to go outside the network for their child's care, they generally have to pay more, or even pay for the full service with no help from their health insurance plan.
Many different types of institutions and agencies sponsor managed care plans, not just insurance companies. These include employers, hospitals, labor unions, consumer groups, the government, and others. It helps to know all the ins and outs of the plan and how it will affect your child's care.
These are the most common types of managed care plans:
- Health maintenance organizations (HMOs): An HMO will usually cover most expenses after a modest co-pay. HMOs often limit your choice of providers to those in their approved provider network. This means you have to check their listing to be sure the doctor you want your child to see is one of their doctors. If not, the bill may not be covered in full, and you may have to change to a different type of health plan to get that doctor's services covered. Or you might have to switch to one of the approved doctors on their list.
- Point of service plans: A point-of-service plan (POS) is a type of HMO. The primary care doctors in a POS plan usually refer you to other doctors in the plan or network. If your child's doctor refers you to a doctor who isn't in the plan (he or she is out of network), the plan will still pay all or most of the bill. But if you choose to take your child to a doctor outside the network, you'll have to pay co-insurance, even if the service is covered by the plan. Co-insurance is usually a certain percentage of the cost for each service. For example, the insurance company may pay 80% of the bill and you have to pay the other 20%.
- Preferred provider organizations: The preferred provider organization (PPO) is a hybrid of fee-for-service and an HMO. Like an HMO, there are only a certain number of doctors and hospitals your child can use to get the most coverage. When your child uses those doctors (sometimes called preferred or network providers), most of the medical bills are covered. When you don't use these providers, the PPO makes you pay more of the bill out of your own pocket. So you pay more to choose providers that aren't in the network.
Getting the most from your managed care plan: Sometimes you have to go out of network for your child's care. You may be able to reduce your costs if you discuss and negotiate costs up front with doctors, clinics, and hospitals when surgery, procedures, or other treatments are planned. You can start with the billing department to find out the usual costs of the treatment your child needs. You may want to contact your insurer to find out what the company will pay and how much you'll have to pay. You can use this information to find out if the medical facility or clinic will be willing to accept the amount paid by insurance as full payment. If not, ask if they're willing to discount the portion you have to pay.
Fee-for-service plans
Fee-for-service plans are the least restrictive plans that offer the most choice in medical providers. They are also called indemnity or traditional health plans. If you have this type of health insurance, you can choose any doctor who accepts your particular health insurance plan, change doctors any time, and go to any hospital anywhere in the United States.
You pay a monthly fee, called a premium. Each year, you also have to pay a certain dollar amount of the medical costs (known as the deductible) for each family member before your insurance will start to pay. After you have met your child's deductible, your insurance will pay a set percentage of the medical bills for the rest of the year.
You might have to pay your medical bills yourself and then fill out forms and send them to your insurer to get reimbursed (paid back) for what you've already paid. If your doctor "accepts" your insurance, their office will often bill the insurance company for you, and then send you a bill for the amount your insurance didn't cover. Keep receipts of your child's drugs and other medical costs, and any payments made by you and your insurance company. This paperwork can help you greatly if there's a dispute about payments or other problems in the future.
After your stated deductible is met, the insurance company pays a percentage (70% to 80% is common) of the covered costs submitted to them. The percentage they pay is based on what they consider to be "usual, customary, and reasonable" (UCR) charges. The insurance company decides what the UCR charge is. If your child's doctor charges more than the UCR, you may get a bill for the balance in addition to your usual co-pay percentage. This is called "balance billing."
Things to consider when shopping for health insurance
For children living with cancer it's especially important to choose the health insurance plan that best meets their needs. When comparing plans, consider a number of factors, including:
- What are the total benefits covered by the plan?
- What are all of the costs associated with the plan, including premiums, deductibles, co-pays, and co-insurance?
- Are your child's providers included in the network of doctors and hospitals covered by the plan?
- Does the plan cover the prescription drugs your child takes? For some ideas on how to check this, see the American Cancer Society Cancer Action Network (ACS CAN) document Tips for Choosing a Health Insurance Plan with the Best Prescription Drug Coverage for You.
For more on selecting an insurance plan, see the section called " Options for uninsured children."
Other things to know about finding health insurance for children
Fake health insurance and other deceptions
There have always been people who look to profit from the needs and hardships of others. Now they're exploiting the health care law in many different ways. They may advertise on hand-lettered signs, post ads on Internet sites, or go door to door. They may be completely "fly-by-night" or they may have a legitimate-sounding 800 number. But here are the basic approaches to watch for:
A common tactic is to offer a stripped-down insurance policy that doesn't meet the law's requirements for covering major illness. These policies are cheap because they make you pay for most of your child's care. By the time you find out your child has a serious illness it may be too late to get real coverage.
Another way is to offer a medical discount card that gives you minor discounts but leaves the big payments up to you. Sellers might call this "coverage" or "protection," but it's neither. Discount cards can be helpful, but they don't take the place of health insurance.
Some offer completely fake health insurance. The seller takes your money and gives you a worthless piece of paper. They may promise lower rates if you buy now. The seller might say that they're "required" to offer this great, low-cost coverage by the Affordable Care Act. Sometimes scammers say that it's government-sponsored insurance or that they work for the government. Or they'll use a well-known insurance company's name, even though they don't work for the company.
Some fraudsters have gone to great lengths to create websites that mimic official marketplace websites. These sites are designed to fool people into thinking they're on an official marketplace site. They may offer anything from fake health insurance to a policy that doesn't cover serious illnesses. Be sure you are on www.healthcare.gov, your state's official website, or a site they refer you to before entering any personal information.
Identity theft scams
A final way that scammers exploit you is by trying to get your personal and financial information for identity theft. Some might even call and pose as government workers looking to "update" your information, asking for your date of birth, Social Security number, or bank account numbers.
According to the Federal Trade Commission (FTC), federal government employees never call you to update your insurance data. Instead of responding to a call like this, contact your plan directly to see if they called. You can get your plan's toll-free phone number by going to www.healthcare.gov or calling 1-800-318-2596.
If you get such a call from a scammer, notify the FTC online at www.ftccomplaintassistant.gov or call 1-877-382-4357 (1-877-FTC-HELP).
How to spot scammers
The best way to avoid scammers is to shop for your insurance at www.healthcare.gov or by calling 1-800-318-2596. Scammers may still call, but your insurance choices can be safely made on the marketplace without regard to the scammers' efforts.
If you want to find out more about non-marketplace plans, watch out for aggressive sales people, very low premiums, and a push for you to sign up right away. Scammers may try to evade your questions, and often don't have the full policy details in writing. Some offer you coverage only if you join an association, union, or other group. You may not get an insurance card or policy for some time after you sign up, if ever. And when you file a claim, there's no response or a very slow response; when you call they explain it's a glitch or processing error – if they answer at all. Here are some tips to help you protect yourself.
- Do not give them money, but especially don't give them credit card information, birth dates, Social Security numbers, or bank account numbers unless you're sure of who they are and what you're getting.
- Ask for the Summary of Benefits and read it carefully (see "How to manage your health insurance" in this section). Read the full policy or have someone read it for you.
- Check out any association you have to join to get insurance – go online, be sure they have a street address, and find out if they have any legitimate activity besides selling insurance.
- Call your state insurance department to be sure the plan is licensed in your state; also ask if the plan has had complaints made against it. (See the " To learn more" section to find your state insurance department.)
- Finally, check with your child's doctor and pharmacist to be sure they accept the plan.
Catastrophic coverage
Treating and managing most cancers costs a lot of money. Some insurance plans offer supplemental coverage called catastrophic coverage with high deductibles and fairly low premiums.
Catastrophic illness insurance is sometimes called a hospital-only or short-term plan. These plans often won't cover doctor visits, medicines, or routine care, but kick in when your child is hospitalized and has very high expenses. Depending on the policy, expect to pay a few thousand dollars for the deductible alone, some percentage of co-insurance on the rest of the bill, plus the total cost for any items and services not covered by the plan.
Even though they can be called "hospital-only" the plans won't necessarily cover all or even most of your child's hospital bill. It's important to understand exactly what the plan will cover and not rely on a catastrophic plan for your child's primary coverage. These plans won't provide the coverage needed to treat a disease like cancer and don't meet the requirements of the health care law. If this is your child's only form of coverage, you will likely face a penalty at tax time unless the child is exempt from the requirement to have health insurance. (You can find out about exemptions at www.healthcare.gov/exemptions/.)
Catastrophic coverage plans may be offered in the state health care marketplaces for people with low incomes or those who are exempt from having to get standard health coverage. The marketplace plans have some advantages over catastrophic plans not sold in the marketplace, in that they cover some preventive care. But a person who requests an exemption from buying a regular health plan can't get help paying the premiums for catastrophic coverage. And when there's a serious illness, the out-of-pocket costs with catastrophic plans can run very high. This is not a good option for a child with cancer.
Health Savings Accounts
If you have enrolled or plan to enroll in an insurance plan with a high deductible, you may be able to set up a Health Savings Account (HSA). You don't have to pay federal income taxes on the contributions you make to the HSA as long as the money is used to pay for qualified medical expenses. If you use it for anything else, you'll be required to pay the tax and a penalty.
Note that an HSA is different from a Flexible Spending Account (FSA); for instance, you can have an FSA even if you don't have a high-deductible health plan. FSA funds are set up to be used for both medical and child care expenses. But the FSA money you don't use goes away at the end of each year, while the HSA money is yours until you take it out. For more information about setting up an HSA you can contact your employer, bank, or credit union.
Pre-existing condition exclusions
A pre-existing condition is a health problem that a person had before joining the health plan. Before the new health care law went into effect, health plans could impose a pre-existing condition exclusion period on a person. This means that a child with a pre-existing condition would have to wait a certain amount of time before the plan would pay any health care costs related to that medical problem. The wait could be as long as a year, and some plans refused to cover certain pre-existing conditions such as cancer at all.
The current health law forbids most health plans from refusing to cover pre-existing conditions. They also cannot refuse to cover people with pre-existing conditions. But some health plans, including some grandfathered plans that existed when the law was signed in March 2010, can still have exclusion periods for pre-existing conditions.
Grandfathered employer plans: Federal law has long prevented employers from applying exclusion periods for a pre-existing condition in certain situations, and this law still applies to grandfathered employer plans. You may be able to avoid the exclusion period in a grandfathered plan if your child was covered by health insurance from a previous employer and has not been without health insurance coverage for more than 63 days. Some states require employer plans to cover pre-existing conditions even for people who were without insurance for more than 63 days. You can call the US Department of Labor at 1-866-444-3272 to find out more about your specific situation. (See the section called " The Health Insurance Portability and Accountability Act of 1996" for more information.) Note that employers can sign up new employees for grandfathered plans if the employer has had the plan since 2010, so you may need to ask if your plan is grandfathered.
Grandfathered individual policies: Grandfathered policies in the individual market can still have exclusion periods for people with pre-existing conditions. If you have a grandfathered individual plan, the pre-existing condition exclusion period could last for many years or even be unlimited. Such plans can also continue to impose an elimination rider that keep that disease, body part, or body system from ever being covered by that policy. Grandfathered individual policies can't sign up new people, so this only applies if you had an older policy that you were able to keep.
Grandfathered plans will be going away: The health care law defines grandfathered plans as those that were being sold when the law began to go into effect in March 2010 and haven't made significant changes to the coverage they offer or the prices they charge. Because health plans often change their coverage and/or price from year to year, many lose their grandfathered status over time. The total number of grandfathered plans is shrinking, and over time there will be few, if any, grandfathered plans left. If you've had your individual insurance plan or your employer has had the same plan since at least 2010, it's important to find out if it's a grandfathered plan.
Hospital indemnity policies and other supplemental insurance
Hospital indemnity policies, sometimes called supplemental medical policies, pay a fixed amount for each day a person is in the hospital. Not all indemnity policies cover children, and some that do pay a lower rate for days that children are in the hospital than they do for adults. There may also be a limit on the total number of hospital inpatient days a policy will pay in a calendar year or a cap on the total number of days it will ever pay. The money received from such policies can be used however the insured needs or wishes. It's often used for medical costs not paid by the insurance company, or the other expenses that families face when one member is ill.
These supplemental plans don't provide comprehensive coverage to treat a disease like cancer, and they don't meet the health care law's requirement to have insurance. So, if this is your child's only form of coverage, you'll likely face a penalty at tax time. You could also have to pay huge out-of-pocket costs if your child has a serious illness. This is not a good option as the only coverage for a child with cancer.
National law prohibits discrimination based on genetic testing or test results
The Genetic Information Nondiscrimination Act (GINA) does not allow health insurers to turn down people or charge higher premiums for health insurance based on genetic information or the use of genetic services, such as genetic counseling.
You can learn more about GINA in our document called Genetic Testing: What You Need to Know.
Children Diagnosed With Cancer: Financial and Insurance Issues
- Covering the costs of cancer treatment
- Private health insurance options
- Types of private health plans for children
- How to manage your child's health insurance
- Getting answers to insurance-related questions
- Keeping records of your child's insurance and medical costs
- Handling a health insurance claim denial
- Keeping employer-sponsored health insurance coverage
- Government-funded health plans
- Who regulates insurance plans?
- Options for uninsured children
- What sources are available to help with treatment costs if my child doesn't have insurance and there's no public assistance available?
- Financial issues for families: Getting help with living expenses
- To learn more
- References
Last Medical Review: November 13, 2014 Last Revised: January 8, 2015
American Cancer Society medical information is copyrighted material. For reprint requests, please see our Content Usage Policy.


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VAUGHAN, ON, May 16, 2013 /CNW/ - Canada's Wonderland will light up the sky in celebration of Victoria Day weekend on Sunday May 19, 2013. A brilliant fireworks display featuring over 4000 colourful explosions will begin at approximately 10:00 p.m., weather permitting. The show, which is included with Park admission, is produced by FX Worx and is choreographed to an upbeat mix of music.
For more information on the 2013 season and hours of operation, log on to www.canadaswonderland.com.
Canada's Wonderland is owned and operated by Cedar Fair Entertainment Company, a publicly traded partnership that is listed for trading on The New York Stock Exchange under the symbol "FUN." In addition to Canada's Wonderland, Cedar Fair owns and operates ten other amusement parks, four water parks, one indoor water park, and five hotels. Cedar Fair also operates the Gilroy Gardens Family Theme Park in California under a management contract.
Image with caption: "Canada's Wonderland will light up the sky in celebration of Victoria Day weekend on Sunday May 19, 2013. (CNW Group/Canada's Wonderland Company)". Image available at: http://photos.newswire.ca/images/download/20130516_C7588_PHOTO_EN_26799.jpg
SOURCE: Canada's Wonderland Company
For further information:
EDS: To book a crew for Victoria Day Weekend Fireworks, please make arrangements in advance with:
Dineen Beaven
Manager, Public Relations and Special Events
Canada's Wonderland Company
Browse our custom packages or build your own to meet your unique communications needs.
Fill out a CNW membership form or contact us at 1 (877) 269-7890
Request more information about CNW products and services or call us at 1 (877) 269-7890

subset: commoncrawl


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Keri Herman places 2nd, off to Sochi
PARK CITY, Utah -- Keri Herman completed her quest for the Sochi Olympics on Saturday by finishing second in the ski slopestyle qualifier at the U.S. Grand Prix.
Herman's best run scored a 91.80 and clinched the third and final guaranteed spot for the games with an additional woman's spot potentially still available. Julia Krass came in first on the day for the women with a high score of 92.60 and Dara Howell of Canada placed third.
"It was great coming out here and skiing with the best girls around the world. I ended up in second and I'm stoked, I made it on the Olympic team officially," Herman said.
Gus Kenworthy -- winner of the 2011 and 2012 AFP overall titles -- took second for the men's slopestyle at the U.S. Grand Prix with a score of 95.00, punching his ticket to Sochi for the third and final guaranteed men's spot.
"I honestly think that qualifying for the Olympics for the US is tougher than it's going to be to win a medal when you get to Russia. There's so many guys here, when you get there, the field's not going to be as deep," Kenworthy said.
Park City local, Joss Christensen placed first for the men on Saturday with a top score of 96.20, but he did not have enough podium finishes in qualifying events to make the U.S. team.
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text: Although fashion designer Alexander McQueen passed away earlier this year, the company that bears his name continues on and, this week, has found itself in the middle of two debates. The first finds costume designer Jany Temime in some possibly embarrassing hot water for a dress she crafted for the upcoming latest installment of the Harry Potter films. The blog Lela London was the first to spot that the dress used in an apparent pivotal scene looks uncomfortably similar to one McQueen designed in 2008, from both its general pattern to its use of feathers. So far McQueen's company has yet to (at least publicly) act on requesting or receiving an acknowledgment, apology, or compensation, but when the two pieces are put right next to each other, it's easy to believe that one of those might be coming. Elsewhere, and less positive for the deceased designer's company, the Hells Angeles motorcycle group has taken McQueen's fashion house and retailer Saks to court over copyright infringement, claiming that a number of new items currently being sold that the two had their hands in designing look too similar to the "death-head mark" the Hell's Angeles have used as something of their official branding. The online retailer Zappos is also receiving a meeting with the group's attorneys, as they too have been selling the merchandise. The Globe and Mail has this great slideshow, comparing one agains the other, and like with the Harry Potter debacle, it's fairly easy to understand who carries the weight in the argument.


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Interview: Kim Boykin, Author of 'Palmetto Moon'
Published 10:00 pm, Wednesday, August 6, 2014
As a stay-at-home mom, Kim Boykin started writing stealing snip-its of time in the car rider line or on the bleachers at swim practice. After her kids left home, she started submitting her work, sold her first novel at 53, and has been writing ever since.
She is the author of The Wisdom of Hair, Steal Me, Cowboy and Sweet Home Carolina, and Palmetto Moon. While her heart is always in the Lowcountry of South Carolina, she lives in Charlotte and has a heart for hairstylist, librarians, and book junkies like herself.
Palmetto Moon is the story of Vada Hadley, a woman who goes to the south to escape her parents and the plans they have designed for her. In the boarding house, she meets an array of interesting people and ultimately finds herself.
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Welcome to Blogcritics, Kim! Congratulations on the release of your latest book, Palmetto Moon. Tell us, did you have any struggles or difficulties when you started writing?
In Palmetto Moon, there's a plot device to get the hero and the heroine from point A to point B, break them up and bring them back together. Initially, this device was a tiny black poodle puppy, and there was a deliciously evil breeder in Memphis. So much fun to write. I'd sent about 100 pages to my agent, who'd passed it along to my editor along with a synopsis. About a month later, I got a call from my agent saying my editor loved the writing, loved the story, hated the poodle. Who hates poodles?
I consoled myself with the knowledge that the poodle was indeed a plot device and changed the poodle to a servant girl who grew up in the house with the heroine, Vada. The evil breeder became and even more delicious brothel owner still in Memphis.
I was humming along about 50 pages from the end of the book, running around making last minute preparations for my release party of my debut novel when I got another call from my agent. The good news was my editor wanted to buy Palmetto Moon; the bad news, my editor thought it was too easy for the servant girl to grow up in the home with Vada. When I called my editor to discuss, I joked that I'd just say to hell with it and turn the servant into a bawdy Irish girl. My editor loved it, and when Darby O'Doul opened her mouth, boy, oh, boy.
Who is your target audience?
Women 35+. Women who read women's fiction and/or romance. My readers love Southern stories and enjoy authors like Karen White, Mary Alice Monroe, or Joshilyn Jackson.
Did your book require a lot of research?
I purposefully didn't set much of the story in Charleston because if you get it wrong, the history hounds there will nail you to the cross. With the book set in 1947, I sort of lucked out when I did do my research. I found there was big gap in the archives toward the end of WWII through 1949. So, I could pretty much make up whatever the story needed.
The heroine, Vada, grew up wearing couture and fabulous shoes. It was fun researching the clothing and accessories of what was known as the beginning of the Golden Age of fashion. When I saw the mockups for my cover, I was thrilled but my agent didn't think the dress the model is wearing looks like it came from 1947. But the dress is sort of symbolic of the times, after WWII when economies were booming again. Storied designers like Chanel, Anne Klein, Christian Dior, and a host of others took fashion from the drab fabrics and designs of a war torn world to a beautiful new era.
What was your publishing process like?
I finished my first novel, The Wisdom of Hair, and was lucky enough to get a big agent. I loved her, she was like an older me and had this wonderful Julia Childs voice. After the first round of submissions, she found out the chronic backache she'd had for two years was cancer. She died a few weeks after her diagnosis, but before she passed, we talked a lot. She assured me her partner would sell my work, not that I cared at that point. She was really special.
To say I was the proverbial redheaded stepchild with the new agent was an understatement, but I had representation, right? After two years of hoping this woman would sell my work, I called her assistant and asked if she thought that would ever happen. I appreciated her honest answer and divorced my agent that day.
I'm horrible at rejection and floundered submitting on and off for, I don't know, five years? Ten? They all kind of run together. Then I asked myself, "Who buys books?" The answer isn't agents. So I found the NY Pitch Conference and pitched directly to four editors and got three who wanted to read my manuscript. That was the first line of the 167 query letters I sent out. Within in the week, I had 40 who were reading part of the script, 20 reading the whole script. I ended up with 3 offers of representation, and then I got to do the choosing. And by the way, one of the editors who requested the script at the pitch conference bought the book.
The post Interview: Kim Boykin, Author of 'Palmetto Moon' appeared first on Blogcritics.


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That house is SO sweet, I hope it goes to someone who loves MCM as much as we all do! Unbelievable price too!!!
November 6, 2011Won't You Be My Neighbor? Benton Harbor, Michigan
By Sablemable aka Jan
Short and sweet is today's WYBMN as photos are sparse, but what you'll see will hopefully make you drool a bit.
Down the street from me at 409 W. Napier Avenue is this charming little brick ranch that was built in 1953. There are 3 bedrooms, 2 bathrooms and 1,202 square feet, along with a full basement. Only a one car attached garage and the house sits on a very busy main road, which means watch out kids and puppies! Now the best part of this house is the prices: a very nice $44,900.00. Yep! Coldwell Banker Advantage has the listing and Vikki Wade is the agent and may be contacted at (269) 429-3070.
Photos are courtesy of Keller Williams (www.kw.com). I edited the photos for better viewing.
Somebody changed the floor! Naughty, naughty!
If the economy wasn't in the toilet, I'd make an offer on this house. It has the door, pink bathroom, tiled countertop, brick fireplace and door chimes. And, just the right size for me!
8 Responses to Won't You Be My Neighbor? Benton Harbor, Michigan
$44,900!!!! Unbelievable! The same house where I live would be $144,900.
Where I live, it would probably be $244,900!
Wow Jan, that is a silly price! Cool house for someone, and such a deal. I have to say though, I've never seen a fireplace that close to the front entry, seems out of place. I like the original details, wish there were more photos. I hope it goes to someone who won't gut it.
My biggest problem would be living on Napier Ave. with small children. It is such a frigging busy road, I don't think I could be comfortable with that. I remember the house, and it is quite lovely….at least from the outside, LOL
I want to live in this house. : )
The same house where I live would be over $400k!! Wow.
Hi, all!
I know the price is ridiculous!
Lorie, nice to see you again, girl! Yeah, Napier Ave is a terror. Then you'd have to back the car in the garage for a straight shot out of the driveway, LOL!
Uncle Atom, I never realized about the fireplace until you mentioned it. But if I had that home, I probably wouldn't light a fire in it anyway.
Saraaaaaaaaaaaaaaaaa!!!!!! Don't you love the front door? Probably some jacka** will change it to one of those God awful new doors that have absolutely NO CHARACTER.
Wow, Kirk! That's an insane price! Too bad we don't have plentiful jobs here anymore, as I'd say, sell and move here!
Desirae, come to Benton Harbor, girl! The more the merrier!
Toni! The price you quoted is worse than the one Kirk quoted! OMG!


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Going gluten free can seem like a challenge at first, but a well-stocked pantry can make the transition a whole lot easier. By keeping a few staples on hand at all times, you can create a ton of delicious meals that satisfy your dietary needs and your taste buds.
Finding and keeping in your kitchen naturally gluten-free foods that you love is a super-important part of maintaining a gluten-free diet and lifestyle. It can be very tempting to eat something that's filled with gluten just because it's easy or more convenient, but having a stocked pantry will make eating gluten free just as easy.
Here are the nine gluten-free staples I always have in my house:
Photo Credit: Shutterstock.com
Raw cashews
A lot of soup and sauce recipes call for wheat flour as a thickening agent. Just substitute some cashews blended with water and you'll not only thicken the soup or sauce, but you'll also add a dose of protein and healthy fats.
Masa harina
Since flour tortillas are out, the next best thing is corn tortillas, which are made from masa harina. They're a perfect gluten-free staple because they're quick, easy to make and they last a decent amount of time when stored in the fridge. You can use them for anything from Mexican pizzas to breakfast tacos. Just be sure to buy organic masa so you're not ending up with GMO corn.
Although the name has wheat in it, buckwheat is actually a gluten-free grain that's packed with protein and the minerals iron, zinc and selenium. You can cook the groats and eat them like cereal, or you can grind them down into a flour and make buckwheat pancakes. I even toss some into my smoothies on occasion to add thickness and some protein.
Brown rice
Lately it's getting a not-so-great rap (due to the high content of arsenic), but brown rice is another great gluten-free staple. If you soak it overnight and then cook it like pasta, you can reduce any leftover arsenic by 40% to 50%. The reason brown rice is a staple in my pantry is because you can use it to make soaked-grain, gluten-free breads that taste amazing.
This is by far one of the best gluten-free "grains" to have on hand because it's so versatile (I say "grains" in quotes because millet is actually a seed). It has a rice-like texture when cooked, and can be used for cereal, as a base for stews or you can even make millet cakes. Yum!
This ancient "grain" is actually a seed that's a complete protein, making it a fantastic gluten-free food. It's also a source of calcium, which is a bonus for anyone who's gluten free and dairy free. Use quinoa in stir fry, eat it like oatmeal for breakfast or you can toss it into your smoothies too.
Brown rice pasta
Yes, sometimes you just have to eat pasta. But when you're gluten free, that's not always an easy task. Brown rice pasta is the perfect way to enjoy a pasta dish, and it tastes the closest to semolina pasta, in my opinion. My new favorite way to eat it is with avocado pesto and chopped cherry tomatoes.
Nori sheets
When you first go gluten-free, one thing you'll likely miss a lot is being able to grab a quick sandwich or wrap. Thankfully there are gluten-free options that are kind of like eating a wrap, like rice paper or nori sheets. With these two staples, you can make endless varieties of sushi and spring rolls. Get creative! I even recently discovered that you can deep fry rice-paper spring rolls to make them more like egg rolls.
All-purpose gluten-free flour
If you love to bake, like I do, you'll want to keep an all-purpose gluten-free flour mix around so you can whip up pancakes, muffins or whatever you're in the mood for. I also use my GF flour mix sometimes to bread chicken before pan-frying or baking it. You can buy this pre-mixed at the grocery store, or you can mix your own using the bulk bins at your local health store.


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What started 14 years ago with hours of relentless police interrogations and grew into years of grinding court hearings came to a close Tuesday when a San Diego judge concluded Michael Crowe was innocent of killing his 12-year-old sister Stephanie in the family's Escondido home.
Superior Court Judge Kenneth So made that determination at the end of a hearing that played out over several days this month in his downtown courtroom. The ruling covers Crowe and Joshua Treadway, his best friend at the time of the 1998 killing.
A third friend who was also charged, Aaron Houser, was not part of the hearing, but lawyers said later that the implication of the ruling means his name is cleared too because all three were charged together. All were teenagers at the time.
Winning a court-ordered finding of innocence is an "exceedingly rare" event in the criminal justice system, said Gary Schons, who represented the county District Attorney's Office in the hearing. It carries important consequences, too: All records of the arrest or prosecution are destroyed, making life easier for those who were accused when they apply for jobs or undergo background checks.
In this case, the lawyers for Crowe and Treadway said the finding will help dispel the lingering stigma and suspicion that they were responsible for Stephanie's death.
Crowe, who lives out of state, did not attend the hearing. He is married and recently became a father for the first time. His sister Shannon, who attended the hearing, called him immediately after So's ruling with the news.
"He's happy it's finally on record with the court," she said.
Under state law, to find someone factually innocent a judge has to be convinced that "no reasonable cause exists" to believe that someone committed the crime they were arrested for. The burden of proving that rests with the person seeking the finding.
Prosecutors usually fight a plea for an innocence finding, but the Crowe hearing was unusual because the District Attorney's Office and the state Attorney General's Office were on Crowe's side. The evidence So heard was not challenged by anyone.
Stephanie was found stabbed to death on Jan. 21, 1998, in her bedroom. Escondido police quickly suspected her brother, then 14, and embarked on a series of grueling interrogations of him and his two friends.
Eventually, murder charges were filed against the three based solely on statements that Crowe and Treadway made during the high-pressure questioning. No physical evidence ever connected the teens to the crime.
On the eve of the trial, small amounts of Stephanie's blood were found on a shirt that was worn that night by Richard Tuite, a mentally ill transient with a history of violence who was in the neighborhood. Charges against the three were dropped.
Tuite was found guilty in 2004 of manslaughter and sentenced to 17 years in prison, but a federal appeals court last year overturned that conviction. Prosecutors have asked the U.S. Supreme Court to review that ruling, but no decision has been made.
Last October, the Crowe family settled a federal civil-rights lawsuit against Escondido and others involved in the investigation for $7.25 million.
Judge So did not elaborate Tuesday on his reasons for granting the innocence finding, saying only that the evidence presented over the course of the hearing convinced him. Among that evidence was some 40 hours of taped interrogations of the three teenagers that formed the original case against them.
Mary Ellen Attridge, the lawyer for Treadway, said those statements were illegally coerced and could not be believed because they did not match up with physical evidence in the case. For example, the medical examiner concluded Stephanie was killed between 10 and 10:30 p.m., but in his statement an exhausted Treadway said that the three boys were inside the house between 11 p.m. and 11:30 p.m.
Tuite's defense lawyer, Brad Patton, said he was disappointed with So's ruling.
He submitted an 18-page brief outlining the case for Tuite's innocence. But that brief was not entered into evidence and Patton was not allowed to participate in the hearing because he did not have the legal standing to participate.
Tuite could still get a new trial if the U.S. Supreme Court lets the ruling overturning his conviction stand. Patton said the innocence finding for Crowe and Treadway could not be used or applied in any new trial.


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The federal Department of Immigration is searching for a more integrated, seamless approach to handling asylum seekers, including inculcating the realisation that they may eventually have to depart.
A pre-release notice says community consultations are starting this month, prior to a formal request for tender (RFT) by March 29, 2013. It is "seeking suitably qualified tenderers to provide support services to vulnerable clients along their immigration status resolution pathway".
"Through the RFT, the department aims to engage providers to deliver consistent, transparent, and integrated support services to vulnerable clients that encourage timely immigration outcomes."
Support is currently given to vulnerable clients through Community Assistance Support (CAS), the Community Detention (CD) program, the Asylum Seeker Assistance Scheme (ASAS) and services to unaccompanied minors in Alternative Places of Detention. This covers custodianship of unaccompanied minors, care, supervision and access to education.
Melbourne-based tenders specialist TenderSearch advises the current notice is to allow time for interested parties to assess how they might organise support services. It may not necessarily be exactly the same as the material in the final RFT next year.
"Service providers will be expected to proactively assist in departmental messaging that clients must engage in their status resolution process and that this may ultimately require them to leave Australia," Immigration says.
"The service delivery framework will draw together existing support programs for clients resolving their immigration status into a single platform, delivering needs and risk-based services.
"Support is provided to enable clients to engage effectively in the immigration status resolution process and is intended to enable the department to achieve its objectives."
Support is provided financially, for short and medium-term housing including rent assistance and finding people own sustainable accommodation, access to health services, medicare and mental health services, access to torture and trauma counselling, casework and orientation assistance.
The Australian Financial Review


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Review/Television; Case of the Missing Mason
By JOHN J. O'CONNOR
Published: May 10, 1994
On television's crime-drama circuit tonight, contrived fiction turns out to be more diverting than based-on-fact dithering. NBC's middling "Perry Mason: The Case of the Lethal Lifestyle," at 8, looks positively sophisticated next to CBS's "Getting Gotti," at 9.
Can the Perry Mason franchise be salvaged after the death of Raymond Burr? A 1973 revival of the Mason series without Mr. Burr in the title role (he was then starring in "Ironside") faded quickly. The producers of this evening's two-hour movie, Dean Hargrove and Fred Silverman, take a different tack. Their new hotshot defense lawyer is Bill McKenzie (Hal Holbrook), who gets a call at his Utah ranch from his old buddy Mason, unexpectedly summoned to Washington and needing someone to cover for him at a speaking engagement in a new California hotel. Wild Bill jumps off his horse and onto a Harley-Davidson. Malibu, here we come.
Say this for the script: it finds a way to bump off Robin Leach. The peripatetic television personality plays, quite convincingly, Adrian Lye, the shamelessly obnoxious host of a show called "Lives of the Wealthy and Well-Known." When McKenzie arrives at the swank hotel, Lye is having a nasty argument with a guest for his program, Daniel Kingman (James Stephens), a chess master and friend of McKenzie's. When Lye is found murdered, Kingman is the prime suspect. McKenzie will defend him, assisted by trusty Mason associates Della Street (Barbara Hale) and Ken Malansky (William R. Moses).
The Mason formula then takes over, right down to the court trial with crucial notes being delivered at the last minute. One major difference: Mr. Holbrook's McKenzie is far more active than the Mason of Mr. Burr, whose assorted ailments generally kept him either seated or leaning on a prop. Twice McKenzie rushes to the rescue of young Ken, who seems to have turned rather dimwitted about dangerous situations. The usual collection of suspects is neatly cast: Diahann Carroll as a drug-damaged actress; Robert Englund as an action-movie director; Dixie Carter (off-screen wife of Mr. Holbrook) as owner of an N.B.A. team, and Tristan Rogers as Eurotrash royalty.
Mr. Holbrook's McKenzie is wonderfully mean, cranky and charming. And yes, as usual, the prosecutor, still dazed from the defense's brilliance, ends up saying, "Your honor, the people move for a dismissal." Maybe there's a McKenzie franchise somewhere down the line. 'Getting Gotti' CBS, tonight at 9 (Channel 2 in New York) "Getting Gotti" doesn't quite deliver on its title. The movie is really about Diane F. Giacalone, the assistant United States Attorney who spent seven years compiling a case against the mob boss John Gotti. But at the 1986 trial, the mobster and his cohorts walked, thanks to a bribed juror. Ms. Giacalone left public service in 1990. Mr. Gotti was finally convicted in 1992.
Much is made in this film about Ms. Giacalone's being an Italian who grew up in Mr. Gotti's Ozone Park neighborhood in Queens, where many of her old neighbors cheer her on. ("They don't respect nothing," one says of the gangsters.) How did Ms. Giacalone reject the street doctrine that, as someone puts it, "working for a living is what suckers do"? For one thing, she's independent and tough. For another, "My mudda woulda kicked my head," she says of the woman (Ellen Burstyn) she is devoted to.
Trapped in a monotonous script, Ms. Giacalone is played by Lorraine Bracco ("Goodfellas") with one-note ferocity. Pudgy Gotti is given a sleek turn in the performance of Anthony John Denison ("Crime Story"), who is burdened with such lines as "an Italian broad is trying to burn me." Or, when really irritated, "C'mon, let's go get some clams." Halfway into "Getting Gotti," viewers may well take him up on the offer. A Perry Mason Mystery The Case of the Lethal Lifestyle NBC, tonight at 8 (Channel 4 in New York) Directed by Helaine Head; written by Bruce Franklin Singer; produced by Barry Steinberg for Dean Hargrove Productions and the Fred Silverman Company in association with Viacom Productions; Joel Steiger, co-executive producer; Fred Silverman and Dean Hargrove, executive producers. Bill McKenzie . . . Hal Holbrook Daniel Kingman . . . James Stephens Della Street . . . Barbara Hale Ken Malansky . . . William R. Moses Adrian Lye . . . Robin Leach Lydia Bishop . . . Diahann Carroll Louise Archer . . . Dixie Carter Peter Cartwright . . . Robert Englund Duke of Sommersfield . . . Tristan Rogers


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NetWellness is a global, community service providing quality, unbiased health information from our partner university faculty. NetWellness is commercial-free and does not accept advertising.
Tuesday, September 26, 2017
Urinary and Genital Disorders (Children)
My 13 yr old son has had pains in his right side for about a month. We have taken him to the doctor and to the hospital two times. Also to a GI specialist. They said that they could not find anything wrong, except on the ultrasound they saw a little mark on his kidney. The report says that his "ritht kidney is 10.3 cm with mild upper-pole caliectasis. This caliectasis persists postvoid" He still has pain. He is missing school and I am at my wits end as to what to do. What should my doctor be telling me to do. Is this serious and will medication for this problem help him?
This question is difficult to answer. If the pain is significant, then it would be worthwhile being evaluated by a pediatric urologist. Generally the ultrasound study is reviewed, and other tests might be necessary to determine the cause of the enlarged upper collecting system of the kidney. If he were not having pain, however, then no further evaluation would be necessary, in all likelihood.
Jack S Elder, MD, FACS, FAAP
Clinical Professor of Urology
School of Medicine
Case Western Reserve University


text:
Additional Resources
Part of the Teen Pregnancy Series
Series About:
This on-line booklet provides guidance for parents or adult friends of teenagers facing an unexpected pregnancy
How to Really Love Your Pregnant Teen
Other on-line resources from Focus on the Family:
Our teenage daughter is pregnant. How can we help her?
My daughter is pregnant and her boyfriend is pressuring her to get an abortion.


text:
Dassault unveiled its latest business jet–the Falcon 2000S–today in Geneva on the eve of the EBACE show. The new twinjet is very much aligned with the tough economic times, being a lower-cost derivative of the Falcon 2000 that replaces the slow-selling DX model, and it might even steal some sales from competitors' smaller super-midsize jets with its pricetag "under $25 million." It retains the Falcon 2000LX's cabin size, but its range has been curtailed to 3,350 nm (though still 100 nm more than the DX). However, the Falcon 2000S is not just a simplified DX. Inboard slats have been added to the wing, which reduce the approach speed by 10 knots, to 108 knots. Combined with the now-standard autobrake, takeoff distance decreases to 4,450 feet (at the 41,000-pound mtow), and landing distance drops to 2,600 feet (at typical landing weight). The 2000S keeps the winglets introduced on the LX for fuel efficiency. Its Pratt & Whitney Canada PW308C has a new Talon II combustor that cuts nitrous oxide emissions by 20 percent. The first 2000S achieved its maiden flight on February 17, and certification is pegged for the fourth quarter of next year. First delivery is scheduled for the first quarter of 2013.
Dassault Introduces Lower-cost Falcon 2000S
- May 16, 2011, 8:00 AM


text:
Definition of adulterously
adv. - In an adulterous manner. 2
The word "adulterously" uses 12 letters: A D E L L O R S T U U Y.
No direct anagrams for adulterously found in this word list.
Adding one letter to adulterously does not form any other word in this word list.Words within adulterously not shown as it has more than seven letters.
List all words starting with adulterously, words containing adulterously or words ending with adulterously
All words formed from adulterously by changing one letter
Other words with the same letter pairs: ad du ul lt te er ro ou us sl ly
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Previous word in list: adulterous
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Some random words: urge gharial ikat mid being craal osmatic
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text:
I collect the children from school. First day back after the winter holidays. They are subdued. It's cold and dull outside. So we put the Neville Brothers cd on, loud. They perk up. They dance!
There is a special beauty in watching a 6 year old dance. And hearing a 9 year old belt out at the top of his voice "Just give me music or give me death (doo be doo be doo), It's gotta have a beat, the kind that makes me sweat!"
The 11 year old classical violinist retreats to his room to shut out our blasphemy.


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It's no secret that I hate Tim "(well, my favorite insult to use is Bitch-Made)" Drake, but people are always askin' me why. So I've decided to tell everyone here exactly why.
But before I do, I just want you all to know that...I don't give a f*** what you all think about him...(probably because I can't remember where my f***s are, so I can't give 'em because I can't find 'em). These are all MY opinions, which only make them facts to ME. You on the other hand...deal with it.
Now, let's dive right into it. I hate Tim for a multitude of reasons.
1. He's the least experience fighter in the bat-family. He isn't a master of anything.
2. He tries to follow in Jason's foot steps too much. I guess in some weird way to feel better he STOLE Jason's Red Robin costume and persona. 'Cause there's no explanation for this. He just up and had it one day...without Jason permission.
3. He's ALWAYS bitchin'. He bitched to become Robin...He bitched when Jason came back to life...He bitched when he thought Jason killed Dula Dent...He bitched when Jason was Batman...He bitched when Jason wanted to kill the person who stole his Red Robin costume the first time...And he bitched EVERY time Jason kicked his ass.
4. Damian Wayne already beat him up. He may not had won the fight to others, but if a 10 year old does that much damage to ANYteenager in a fight...The 10 year old won.
5. Number 3, and 4 prove Tim's a bitch. Which is why I always call him Tim "Bitch-Made" Drake.
I hate that puss so much I made a character called Tom Drake with VERY similar looks, character and story. DarcStorm keeps callin' him Drake Timmons though. But DarcStorm's gonna kill him in a VERY OVER THE TOP brutal death.
I hate him...I hate him-I hate him- I HATE him.
Fans of Tim's make it even easier to hate him because of the stupidity they bring to arguments about him. Like what I said earlier about the Red Robin thing for instance. When Jason stole Grayson's Nightwing costume and persona, fans were livid about this. Reason...because Jason was damagin' Grayson's character. Jason was usin' Grayson's identity to kill criminals, and that's NOT what Grayson does...so jea, there's a reason to be mad here. But when you turn the other cheek when Tim does this to Jason, it proves how blindly bias you really are. No-one seems to care that Tim has Stolen Jason's Red Robin costume and persona, but he's still damagin' Jason's character. Tim uses Jason's identity to stop and arrest criminals, and that's NOT what Jason does. So why aren't people upset about that?
Lookin' the other way when one of your favorite characters does somethin' you ripped into another character for doin' doesn't help your favorite character.
Now, keepin' with the whole "Tim fans bring stupidity to arguments", Tim fans for some reason...(I call it retardation)...believe that Tim can tie, and even beat Jason in one-on-one fights...which is BEYOND incredible dumbassery. So, lets go over some facts here.
Jason is stronger than Tim...this is non-negotiable, as Jason has proven that he's the strongest bat-son in the family.
Jason is more agile than Tim...And this is also true because Jason's agility is always compared to bein' only second to Grayson's.
Jason is faster than Tim...Jason's fightin' is always said to focus on speed and brutality, and it would be stupid to focus on a flaw instead of a strength. I also believe that Jason might be the fastest Bat-family member in terms of just speed (not agility).
Jason is a better martial artist than Tim...As proven that Tim hasn't mastered a damn, while Jason has mastered several...(at the very least 6)...fightin' styles.
Jason is more strategical than Tim...As even Bruce and Grayson have fallen for Jason's plans and Traps.
Jason utilizes gadgets better than Tim...This has no need to be explained.
Tim is more Intelligent than Jason...Book smart wise,That's it. Although Jason is more streets smart than Tim.
Jason is more endurable than Tim...As proven in every fight that they've had.
So when comparin' mental and physical stats between Jason and Tim...7 out of 8 go to Jason by HUGE margins. So how could Tim EVER hope to even tie with...(never mind beat)...someone who literally overshadows him in every aspect?...(except book smarts).
I hate when every Tim fan wants to say that Jason cheated to win fights when 2 things are there to disprove that.
1...How is it cheatin' to know how to use your surroundings to help you in a fight?, How is Jason cheatin' just because Tim doesn't know how to use his surroundings?
2...Jason and Tim's fights always start off hand-to-hand, one-on-one...but then TIM always grabs a weapon on Jason. So how could Jason cheat to win if he's just evenin' things out by usin' a weapon when Tim's uses a weapon. The fight in Titans Tower, Tim fans say that Jason had to gas Tim to win...but didn't Tim pull his Bo-staff out first...and STILL got his ass kicked for it?...JEA!! Then Jason and Tim's fight in Battle for the Cowl. Jason was chokin' Tim, and Tim again' used a weapon first when he grabbed that crowbar and hit Jason with it repeatedly, and when Jason used a weapon what happened...he dropped Tim's weak-self. And everybody said Jason cheated 'cause he used a batarang.
So my question here is...How is it cheatin' to use a weapon on a person who's usin' a weapon on you?
You see how stupid Tim fans are, because with all this proof...they STILL think I'm wrong.
Let's revisit my #4 comment again. There are 4 sons in the Bat-family which means rivalries will happen. But people seem to have the rivals all wrong. The rivalries should go Grayson vs Jason and Tim vs Damian. As this is the only way they compare, because in order to have a rival, you need to rival them in something.
Jason and Grayson have stats over each other Strength...Jason, Agility...Grayson, Speed... debatable who's fastest, Martial artist...I think it's tied. Jason has mastered more fightin' styles than Grayson...(to my knowledge)...but Grayson has his own fightin' style that no-one knows. Strategist...Jason, Intelligence...Grayson, and Durability would probably be a tie as well.
So when it comes down to it...these 2 are about even, makin' them rivals because they have stats over each other.
Tim and Damian are more the same way as Grayson and Jason because Tim and Damian have stats over each other as well. I think Damian is more agile, and has better martial arts trainin' than Tim. So while Tim has 1 stat over Jason...that doesn't make them rivals, because Damian has more than 1 over Tim.
But do Tim fans understand this?...no. They just try to make up excuses to maneuver around that FACTS that are said. And when they do this just remember the facts...and point and laugh at their moronic wishful thinkin'.
'Cause it's funny. And it's also why I hate Tim.
Which reminds me... http://www.comicvine.com/myvine/darcstorm/cause-its-funny/87-70295/


text: WBW: On My Way Back to the Old Home Posted on April 4, 2012 6:50 am by David Delaney We now return to your regularly scheduled Whiskey Boys Wednesdays! For the next couple of weeks we'll be posting a new track each Whiskey Boys Wednesday from our performance at the Firebox last February. This one's "On My Way Back to the Old Home" a Bill Monroe classic! Share: Tweet


text:
All public logs
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Combined display of all available logs of FedoraProject. You can narrow down the view by selecting a log type, the username (case-sensitive), or the affected page (also case-sensitive).
- 15:50, 21 February 2012 Ianweller (Talk | contribs) marked revision 272373 of page Archive:FUDCon:Santiago 2010 patrolled


text: If you are looking for the Yamaha RX V500 Home Cinema System, then you've come to the right place. Compare prices and check out offers and deals on the latest home cinema systems from top online retailers. Transform your home into a mini theatre with the all new Yamaha RX V500 Home Cinema System. It gives you true-to-life viewing experience with


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- Restaurants - Typical Products - Services -
The origin of Sangineto seems to have origins antiques. There are many naturalistic resources of this charming center like the Cannitello Mount and the Castelluccia, the Sangineto Torrent the Sources Carriero and Petrosa, the Penna lake and panoramics zones like Cozzo the Limpa and Timpa di Civita. The Madonna della neve is the most important event of Sangineto. Gastronomy is an other characteristic of Sangineto;the highlight is the stew prepared with meat of pig cooked with haricot, cabbages and potatoes.
On the coast there is Sangineto Lido. Its 3 Km distant from the city center. Today Sangineto Lido is very important tourism goal.
Sangineto accommodation in Hotel Farm House Farm Holiday Bed&Breakfast Camping Holiday Home Rooms for rent Residence Tourist Village Camp site.
Sangineto holiday in Hotel
Hotels Calabria - Tirrenic Coast
Hotels Pollino National Park
Hotels Riviera dei Cedri


text:
Product Description
Eastpak Flask Superb Black
EastpakFlaskSuperb Black - A roomy shopper with urban appeal, the Flask is sturdy enough to handle busy city life. Featuring leather details, practical handles, and a pretty, easy-going style in a range of colors designed to complete your look.
EastpakFlaskSuperb Black Product details:
- Height: 34 cm
- Width: 33 cm
- Depth: 13 cm
- Volume: 18Liter
- Weight: 420g
- Warranty: 2 years
- Material: Polyester
EastpakFlaskSuperb Black Product features:
- Main compartiment with zippered closure
- Leather reinforced closure
- Leather details
Additional Information
Additional Information
|Delivery time - Working days
|4 – 7
|Worldwide DHL Premium Air Mail


text:
Syfy's Twilight Zone Marathon Schedule (With Links for Cordcutters)
It's that time of year again. Syfy's Independence Day Twilight Zone marathon is upon us. But if you got spoiled by Syfy's epic marathon of all 156 episodes over New Year's, I've got some bad news for you: They're only airing 57 episodes this weekend. We've still got the entire schedule below.


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Tel-A-Patient clients can call 1-888-321-8477 x717 for service
In the wake of Tel-A-Patient, Inc.'s abrupt closure, Telephone On Hold, an industry music and messaging on-hold leader and board member of the On Hold Messaging Association announced expanded efforts to welcome former Tel-A-Patient, Inc. clients with their ongoing music on-hold and marketing needs.
"We're excited to provide the thousands of former Tel-A-Patient clients the messaging on-hold service that they expect and need to successfully run and manage their respective practices," says Justin Ginsberg, President of Professional Audio Studios. "From equipment challenges to future marketing production updates, former Tel-A-Patient clients can feel comfortable that our growing company is a stable industry leader, with a staff ready to fulfill their on-hold needs."
In addition to a new client welcome package, Telephone On Hold has set up a telephone extension for former Tel-A-Patient clients to efficiently manage and accommodate these clients: 1-888-321-8477 x717. "We have worked hard to make these new clients feel welcome and at home with our company," says Ginsberg. Clients are serviced from Telephone On Hold's three studios and recently expanded offices in New York.
About TelephoneOnHold.com:
TelephoneOnHold.com provides thousands of businesses and medical practices a unique opportunity to communicate to callers while they are on-hold. Offices commonly utilize these marketing tactics to educate patients about treatment options and products, promotions, and upcoming office events. Each on-hold marketing production is customized with specific scripting, professional voiceovers, and background music in the company's NY-based office and in-house studios. The firm has been elected multiple times to the board of directors of the On Hold Messaging Association (www.ohma.org). For more information visit Telephone On Hold's Music On Hold Solutions and learn about our dental music on hold message solutions and download our entire dental presentation.
About On Hold Messaging Association:
The On Hold Messaging Association (OHMA) is an international organization composed of audio marketing agencies that have joined together to maintain the highest service standards, promote strict standards of ethical business conduct, and to share and develop new technologies. (www.ohma.org)


text:
Welcome to dickblick
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Part of the Caran d'Ache Graphite Line, this series of extra-fine graphite pencils contains 15 gradations, enabling artists to produce an infinite range of techniques and effects, uniform darkening of large surfaces, and regular and intense line drawing.
This selection of six Grafwood graphite pencils is balanced between soft and hard leads, enabling artists and creative professionals to explore all the shades of black. It includes one each of 9B, 7B, 5B, 3B, HB, and 2H, contained in a durable, hinged metal box. The box is light, easy to carry, and protects the pencils from damage — a practical set for all student and professional artists.
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Dick Blick Art Materials®, Blick®, Blick Studio®, and Artists Pick Blick® are registered trademarks of Dick Blick Holdings Inc.
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text: The song starts out quite militarily, but turns dreamy before the intro is finished. Then it seems to awaken with the lyrics about birth, then the journey of life. Then the revelation and the lost between the seasons of life. The guardian angel has found the man. Then the two-step almost a Capella part where the angel take a patronly stance towards the man, but reminds him that his is no disgrace, his life will be a good one. The part where the music travels from the right to the left channel is the struggles of man, who doesn't know he has a guardian angel. Conflict to resolve, conflict to resolve. Then a victorious "death-defying" re-intro. Same situation, re-examined with a sly smile. Silly human race, on a sailing ship, leaving anyplace... Return to conflict but this time with a happier feeling. The man is starting to know and trust his guardian angel. Then the sound of elevators, going up! Then the same military refrain. Spaceship sounds. Climax: Repetition of the intro, which is a summary of what the whole song is about. Repeat again, once again reconfirming that despite all the meanderings, the person who is the subject of this song will be saved, there will not be a disgraceful ending.


text:
Maryland has most boating fatalities since 1992
BALTIMORE (AP) - Maryland has had more boating fatalities this year than any year since 1992.
The Baltimore Sun reports 25 people died in boating accidents this year, ranging in age from 14 to 81. Only one, the youngest, was female.
Natural Resources Police spokesman Sgt. Art Windemuth says warm weather in May coaxed recreational boaters out early, and continued good weather increased the level of activity on the water.


text:
This course will show you how to master NI Massive, and do it all in under 3 Hours. Accelerate your ability and use NI Massive like a pro!
Module 1 – The Basics
A complete run through of the NI Massive Synth basics. This video tutorial walks you through all the features and functions you need to be familiar with to start working with Massive including the menus global settings the central tabs and an overview of each of the modules.
Module 2 – Routing
A must for all sound designers. This video tutorial guides you through Oscillators Filters ENV (ADSR) noise and the feedback module so that you understand how each of the modules in Massive are routed. You will also learn how the routing tab which pulls this section all together.
Module 3 – Sound Shaping
Where the magic happens! This video tutorial steps you through sound shaping with the application of filters and provides an in-depth look at the wavetables showing you how to fine tune and modulate the oscillators to produce professional quality sounds
Module 4 – Sequencing
Add character to your sounds. This video tutorial provides instruction on the sequencing tools available in Massive including Stepper Performer and the LFO's and explains how the use of sequencing can make your sounds more distinctive
Module 5 – Effects
Bring your synths to life. This video tutorial demonstrates Macros inserts and the Master FX features and explains how to use these various modules to shape your sounds using expert techniques
Module 6 – Rhythmic Sequence (Bonus)
Bring it all together! In this video you will pull everything you have learnt together to create rythmic sequences. You'll see how to make Kicks Hi hats bass and pads and how to use all you have learnt together and start making sounds like a pro!
Size: 437.83 MB


text: This is your day . . . on patents Posted on April 23, 2012 by Guest | 1 Comment We all have routines — a list of things we go through on a daily basis without even thinking twice. Most of us don't think about just how many of those "things" are patented. So, here's your basic daily schedule, patents and all.


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Fourth in a series previewing players the Browns might select during the NFL draft Thursday through Saturday. Tuesday: Auburn defensive tackle Nick Fairley.
If tough and fast are the most important traits a coach or general manager look for in a football player, Julio Jones is the man for the Browns.
You want tough? Jones was diagnosed with a stress fracture in his left foot two days before the NFL scouting combine in February, and he still ran a 4.39 40-yard dash.
You want tougher than that? The 6-foot-3, 220-pound wide receiver broke his left hand playing against South Carolina and didn't miss any games.
He underwent surgery to have a plate inserted in his hand and caught one pass for 8 yards against Mississippi the week after the South Carolina game.
He followed that up with 12 catches for 221 yards against Tennessee.
The Crimson Tide played LSU the week after the Tennessee game.
Jones caught 10 passes for 89 yards and a touchdown, working most of the time against cornerback Patrick Peterson.
"He's obviously a good player." Browns general manager Tom Heckert said.
"He's a big, fast kid. They told him about (the stress fracture) before he ran (at the combine) and he said, 'I'm going to run it anyway.' It shows how tough the kid is."
Some draft analysts have the Browns taking Jones with the sixth pick in the first round if wide receiver A.J. Green of Georgia is already off the board. Not much separates the two, Heckert said.
"If you talk to 32 teams, you'll probably get 16 answers to why one guy might do something better," Heckert said. "At that position, it's a little hard because they're both kind of the same size. Maybe one (Jones) runs a little faster, but they are very similar players. There's not much difference as an overall package."
Jones might be better in the West Coast offense the Browns will run because he runs well and hard after the catch. He isn't afraid to go across the middle for a pass and won't find a soft place to land, as some receivers without Jones' temperament do.
"I have a defensive mentality," Jones said at the scouting combine. "I'm not scared to hit. I'm a physical guy. I look for that. I like to hit defensive players because they're not used to getting hit. They're used to hitting offensive players and getting them out of their comfort zone."
Because of his feistiness, Jones has been compared to Hines Ward, the Steelers wide receiver all but Steelers fans love to hate.
Jones' numbers at Alabama are similar to Green's -- 179 career catches, compared to 166 for Green, and a 14.8-yard average, compared to 15.8 for Green. Jones had 15 touchdown catches to Green's 23.
Jones posted those numbers in Alabama's run-first offense. What separates Green and Jones in some scouting reports is Green has better hands. But Jones is also capable of acrobatic catches, and the way he fights for the ball makes him a threat in the red zone.
"I'm a playmaker, a guy who can step in right away," Jones said. "My hands were never an issue. I sometimes try to play too fast. I taught myself to play fast, but don't hurry.
"I'm a great blocker. I'm a physical receiver. A lot of guys are finesse type guys. You really can't compare their game to mine because they're different (types of receiver)
"I never take no (for an answer). I never want to be denied. I'll do anything to win. That's just how I approach the game. (If I catch a slant over the middle), I'm not going to fall down.
Only once since 1979 did the Browns take a player from Alabama in the first round of the draft. In 1994, the Browns drafted cornerback Antonio Langham from Alabama ninth overall. Langham was acquired by the new Browns franchise in 1999 in the expansion draft, then finished his career with the Patriots in 2000, marking the end of an unspectacular career.
The Browns hit the jackpot the time they chose an Alabama player before the Langham pick. In 1978, they used a first-round pick on tight end Ozzie Newsome, who played 13 years for the Browns in a Hall of Fame career.
It might be time to go back to the Alabama well again.


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A 401(k) plan is a specific type of retirement savings plan designed to offer participants a tax benefit for setting aside money for retirement. These plans are employer-sponsored, meaning that companies set them up and administer them on behalf of employees, although self-employed persons can establish personal, or "solo", 401(k) plans, too. Because the plans are designed for retirement savings, certain rules and restrictions apply to deposits and withdrawals. Participants may be penalized if they do not follow these rules.
Sign up for your company 401(k) plan. Plan participants must be at least 21 years of age to begin saving. In addition, some companies may require employees to work for a certain number of months or years prior to being eligible to participate.
Designate a specific amount of money you would like withheld from each paycheck. In most cases, you choose between a dollar value or a percentage of pay to be automatically deposited to your 401(k) account each pay period.
Select an investment array. Most employers allow employees to choose specific investments for their savings via an online website, toll-free number or paper form. These investments are often mutual funds, but may involve other options. Take time to review your investment options thoroughly – read prospectuses, annual and quarterly reports – before making your decisions.
Add to your savings automatically each pay period. Your employer may also add a matching contribution, based on your contribution. In a traditional 401(k), all of these contributions are subtracted from your taxable pay, so you pay less tax each year.
Perform an investment review each year. Make sure your investments are performing as you'd like, and make any adjustments to account for changes in your long term goals. While most plans allow participants to make changes whenever they'd like, some plans limit investment changes to certain periods of the year. Verify your company's policy with your plan administrator.
Begin taking regular withdrawals from your 401(k) account once you reach retirement age. This is any time after age 59 years and six months, and before age 70 years and six months. You have flexibility in how you take distributions for the first 10 years – take some as needed, or take regular monthly, quarterly or annual withdrawals. Once you reach age 70 years and six months, however, you must take a proscribed minimum amount each year. See IRS Publication 575 for specific calculation information. Your plan administrator provides the forms you use to request these withdrawals and set up a payment method.
Pay income tax on the amount you withdraw from your 401(k) account each year. Since you didn't pay income tax on this money when you received it, you need to pay it as you withdraw it in retirement. Assuming you do not take your money early, your 401(k) withdrawals are only subject to ordinary income tax. Find the specific tax information on the IRS Form 1099-R that you receive from your plan administrator. This form usually arrives in the mail in early February.