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The law of CAUSE AND EFFECT dictate that nothing can exist without having been caused. Therefore, the matter of our physical universe was caused - created - by something that existed before matter existed.
Physicists concede that INFINITE ENERGY pre-existed matter and caused a big bang that in turn - created matter. The Bible teaches that God is ETERNAL INFINITE ENERGY and that He Created the matter of our universe - the HEAVENS AND THE EARTH - from a VOID. ...and it must have been a very big bang.
If after reading this book, you do not believe in God, then we will cheerfully return your purchase price.
Physicists concede that INFINITE ENERGY pre-existed matter and caused a big bang that in turn - created matter. The Bible teaches that God is ETERNAL INFINITE ENERGY and that He Created the matter of our universe - the HEAVENS AND THE EARTH - from a VOID. ...and it must have been a very big bang.
If after reading this book, you do not believe in God, then we will cheerfully return your purchase price.
- Have you, as a Christian, ever doubted the Biblical accounts of Creation? Has evolution ever gotten to you – just a little? Have you ever thought that perhaps science is right, that dinosaurs really did roam the earth and that perhaps the earth – and mankind – is more than 6000 years old? Pg.12.
- …when the two do not agree, this book will discuss where science has gone wrong. Pg.12.
- Jesus warned that literal interpretations of our Bible serve only to blind the eyes of weak believers (Luke 18:34, 19:42, Eph.3:9, Col.1:26). Scripture is intended by the Holy Spirit to enhance faith. When literal interpretations of Scripture hinder faith, something is wrong with interpretation. When interpretations of Biblical metaphors are condemning so many to hell, we should revisit interpretation. Pg.12
- ...for the for school children sitting in the public classrooms of America, the strong delusion of evolution is very damming. Pg.13.
- Until recently man could not have "recognized" evolution in the Bible because man had no knowledge of evolution. Today, we do know what evolution is, so let's find evolution in the Bible. Pg.15.
- His continuous evaluation of their progress (explained shortly) confirms that plants and animals naturally reproduced - gradually filling the earth with their kind (Gen.1:22-24). Pg.18.
- Following the great flood, to refill the Earth with animals, God commanded Noah to breed them abundantly (Gen.8:17) - the old fashioned way? Wasn't God the same during Creation as He was after the great flood? Pg.49.
- It is important to note that God did not judge the creation of man and woman (Gen.1:27) - He blessed them. This fact tells me that the man God created in Genesis (Gen.1:26-28) - did not evolve. Science can find no evidence that Modern Man evolved. Pg.19.
- There is no logical scientific explanation for such a humongous gap in intelligence between "kin folk". How can rationally thinking beings, especially scientists who are expected to follow the stringent guidelines of the scientific process, abandon those guidelines to irresponsibly propose that man's intellectual explosion is just the luck of the draw - for an entire species? Silly scientists! Pg.25.
- Why man? Is man different from all of the other animals? What supernatural fact exempted man's intellectual explosion from the painfully slow process of evolution? Pg.31.
- The term day is a universal metaphor which has been accepted throughout history as a "catchall" description of undetermined periods of time. The days of Biblical Creation are epochs of Earth's evolution. Pg.49.
- God did not divide His work into six sessions because He was limited as to how much He could do in one session. There was another reason. Pg.48.
- Does anyone really believe that lactic acid built up in His big muscles and that He had to physically "recoup"? Did God "poop-out" after six (6) 24 hour sessions - and had to rest before planting His Garden? Pg.54.
- The fact that our Spiritual God does not physically tire and therefore needs no physical rest proves that the word day, as used in Creation, is not a measure of God's activities per 24 hours - or His durability. Pg.48.
- The newly freed Israelites were accustomed to a "ten-day" Egyptian week - with no day of rest. Pg.50.
- To demonstrate the structure of His "seven-day" Sabbatical week, God exampled His own activities - the acts of Creation into six intervals that were followed by an interval of rest. Pg.50.
- If God's exampled seven-day Sabbatical week is not the important factor then why didn't God complete Creation in a single day? Why did it take him six days? Pg.56.
- This book will meticulously align the days of Creation to the scientifically identified epochs of Earth's evolution. The similarities are mind-boggling. Pg.55.
- We should not limit our Spiritual God with carnal concepts of time and duration. Pg.54.
- Because time is the only conflicting factor between the scientific positions of creation and the Biblical accountings of creation, we will address the issue of time before we discuss Creation. Pg.57.
- If infinite energy created the big bang, then infinite energy existed in the absence of time. And if infinite energy existed in the absence of time, then infinite energy is eternal. If three-dimensional space did not exist before the big bang, then infinite energy is also non-dimensional. If infinite energy caused the big bang, then infinite energy is all powerful. Are you getting the picture, Mr. Hawking? Pg.60.
- The law of cause and effect simply dictates that nothing can happen without being caused; matter is, therefore, matter was caused to become existent – matter was created. By scientific law, if matter was created, then whatever created matter had to exist before matter existed. Pg.61.
- Time - the measurement of duration - is manmade and does not exist outside of man's three-dimensional existence. ...finite flesh cannot grasp eternal spiritual existence. Pg.63.
- Science denies that man has a spirit so quite naturally scientists cannot commune with God who is Spirit. Occasionally they attempt to carnally commune with Him, but God does not respond to carnal flesh. Because they get no carnally detectable response - like good scientists - they conclude that God does not exist. Silly scientists; God is spirit. He does not strive with flesh. He will respond only to your spirit. Pg.66.
- Oh foolish, foolish learned man to turn away from such a priceless gift - so freely given. Pg.73.
- The Bible version of Creation supports the concept that matter - in its very beginning - did not exist and had to be created from a void. Albert Einstein's formula, E=MC2, posits that in the beginning the matter of our universe did not exist; it was a singularity of "nothingness". Pg.78.
- Most physicists…posit that infinite energy did not "create" matter; it merely exploded pre-existing matter that had been compacted into an ultimate black hole of almost nothingness - matter without form. Pg.79.
- Can it be that the Bible is acknowledging the creation of matter from void, and the compaction of matter to the point that it becomes without form? Pg.77.
- ...the Loop Quantum Gravity (LQG) theory. …Bounce Theory... …generally posits that the matter of our universe repeatedly contracts to a volume - without form - and then expands explosively with a big bang. Our present universe might be the second expansion of compacted matter - or it might be the zillionth. Pg.81.
- ...so many theories...Is there any consistency among physicists? Is everyone - guessing? Pg.81.
- The weird and absurd conjectures of physicists concerning the origin of our universe, and thusly of matter, have created embarrassing bickering within their own community. I am appalled that our school systems so avidly teach their conjectures as absolute facts. Pg.82.
- Black holes are purported, by compaction theorists, to accrete until the entirety of all matter in the universe is compacted into an ultimate black hole - without form. Ultimately compacted black holes – sporting ultimate gravitation – have no detectable volume. Pg.84.
- Thousands of years ago the Bible taught that the heavens and the earth were void and without form. ...the great minds of science thought the Bible was for fools. Pg.84.
- The reusable, durable matter of our present universe will have then been recycled to create new suns and new planets. The old will have been made new. The matter of this universe, the heavens and Earth, will have passed away (Re.21:1). There will be a new heaven and a new earth. Pg.86.
- It is with gravity - the fourth interaction of force - that this book will center its attention. Pg.87.
- Gravity is not an "at random" thing that can come and go by chance. The gravity of our universe is being controlled by an intelligent entity. Pg.94.
- I personally think of gravity as being the right arm of God. Pg.87.
- They are unknowingly confirming that the big bang was "allowed" by energy that is more powerful than infinitely compacted gravity: something, or someone, controls gravity -- in a very big way. Pg.90.
- Something or someone determines which suns are radiating good sunlight, and which suns should be -- recycled. Pg.93.
- Silly scientists! Because you find the basic ingredients of life in meteors and/or comets, or because Mars rocks may contain amino acids, that doesn't mean that life as we know it was not purposely placed on Earth. Pg.96.
- Octopi, spiders, earthworms, and muscles are among the animals that are "alien" to Earth (discussed later in more detail). Pg.96.
- The ultimate of irony is that the very same people that oppose "Creation" of life, are today trying to create life in their own labs. Pg.96.
- The Cambrian Explosion is defined by science as a day (era) in time (about a half billion years ago), when thousands upon thousands of complex life-forms, suddenly and inexplicably, popped up in a world consisting previously of only simple life-forms. Science can find no link (connection) between the earlier simple life-forms and the spontaneous materialization of the complex life-forms of the Cambrian era. Pg.97.
- The spontaneous appearance of so many complex life forms in such a brief span of the evolutionary clock is shredding to bits the very fabric of "bug" evolutionists: science is refuting science. Darwinism seems to have a leak in its bucket. Pg.183.
- But, the irony of it all is that what our school systems teach, and what scientists truly believe are not always the same. Pg.100.
- The original six protoplanets of Sol are today known as the planets; Mercury, Venus, Jupiter, Saturn, Uranus, and Neptune. Earth and Mars were not members of Sol's original family of planets. Pg.108.
- Earth's level of carbon dioxide is less than one-half of one percent (.005) of the level of that on Venus. This means that Venus has about 20,000 times more carbon dioxide than does Earth. How can two planets of similar size, simultaneously traveling in relatively the same areas of space, collect such astronomically different amounts and varieties of gas? You are right - they cannot! This clearly proves that Venus was present at the time of solar ignition and that Earth was not. Pg.112.
- Scientific evidence of Europa's recent arrival is that her icy surface has not yet been distorted by Jupiter's enormously powerful magnetosphere. This fact, and the fact of Europa's near circular orbit (an eccentricity of only .009), should tell science in no uncertain terms that Europa had to be purposely placed in its orbit of Jupiter. Pg.117.
- In the beginning God carefully selected Earth from among the (millions?) of ice covered rogue planets endlessly orbiting the black hole of our galaxy and gravitationally maneuvered it into an orbit of our sun between Venus and Mars. And, there was light (Gen.1:3) upon comet-like Earth for the very first time. Around village campfires early storytellers would have simply said: And God said, Let there be light and there was light. They would not have discussed planetary positioning, axial tilt, or rotation. And they would not have discussed strength of luminosity; they would have simply said ...and God saw (judged) the light (upon Earth) that it was good (Gen.2:4). Pg.120.
- But, the other side of early Earth also needed solar exposure. Please note that after placement of Earth in the good light of Sol, God immediately (the very first thing) began Earth's rotation: He divided the light from the darkness (Gen.1:4). How could the early writers of Genesis have known to put "rotation" in the same verse as good light? Pg.137.
- Biblical teachings that Earth had one great light (v.3) long before it had a second great light (v.16-18) preceded scientific discoveries of that fact by about 4500 years. Pg.142.
- Please note that the second great light did not help initiate rotation, it aided the rule of pre-existing rotation. Pg.144.
- Thousands of years ago our Bible taught that it took two great lights working collectively to rule day and night. Until our time of increased knowledge, science considered such teachings to be absurd: science did not yet understand how the moon could help the sun rule day and night. Pg.172.
- And darkness was upon the face of the deep (the waters were lifeless) because the life-giving Spirit (the Holy Spirit - I Cor.15:45) had not yet moved upon the face of the waters. Pg.138.
- Is our God a one planet God, or might we be seeing in the remnants of Mars - an earlier garden? Did He plant gardens on Mars, harvest their wheat and burn their chaff before turning His attention to an evolving youthful Earth? Pg.125.
- Have you noticed that science is working feverously on a defense against meteors and comets? If God is not real, how could John the Revelator have known 2000 years ago of the destructive powers of meteors and comets? ...science is proving our Bible. Pg.127.
- ...the unfounded assumption that Earth was born of Sol's original cloud of dust and gases does not account for Earth's water. Pg.134
- …concerning the origin of Moon…theorists have purported a bevy of varied and heavily disputed hypotheses. No theory, not even one, has gained uniform acceptance within the scientific community. Pg.147.
- ...the volume of that cloud would have covered more than a trillion cubic miles. Within the confines of basic logic, how may theorists postulate that accretion may have taken as little as one lunar orbit? WOW! Is anybody home? Pg.155.
- For planets to develop a differentiated interior, it takes billions of years. The differentiated interior of Moon did not occur from the "immediate" accretion of collision debris - or even 100 years of accretion. The differentiation of Moon's interior probably took several billion years. Pg.162.
- The sun acting alone (no moon at that time) actually pulled the giant watery bulge into a westward oceanic current that directly opposed the eastward rotation created by God for Earth. Pg.170.
- Great and mighty Earthquakes ...before men were upon Earth? Does the Bible really say ...before men were upon Earth (Re.16:18, Job 20:4)? Pg.170.
- And God said, Let the earth bring forth grass (Gen.1:11): the plant life that had begun in the oceans then began to take root on the dry land. The term grass is metaphoric of basic plant life that initiated the use of roots to extract water from the ground. Pg.180.
- The Bible has been teaching earth-bound (non-flight) fowl for thousands of years, but the words were sealed: the words could not have been understood until recent scientific discoveries verified that dinosaurs (at least most of them) were fowl. Pg.188.
- If blanket extermination was caused by an ice age, should not the fittest have survived at least as well as the weakest? Selective extermination of the biggest and the most-ferocious species is not an evolutionary norm. ...an intelligent entity was involved in making this planet ready for Modern Man. Page. 192.
- Fish, fowl, whales and other aquatic animals were brought forth by the waters during the fifth day (era) of Creation; the fifth day was the scientifically identified epochs of Jurassic and Cretaceous. Pg.199.
- The sixth day was the era of giant land animals - both mammalian and reptilian. These animals as brought forth by the earth (Gen.1:24) are the animals that evolved on dry land in the scientifically identified epoch of Pleistocene. Pg.199.
- After correcting huge and ferocious land animals (v.25), God said, Now, let us make (a new) man... (v.26-28) and have him replenish the earth with humanoids and take dominion over the (now docile) animals of Earth. God then made Modern Man (replenishment man) to replace vacated Cave Man. Pg.204.
- Scince confirms this Bible teaching in that science can find no "link" between Cave Man and Anatomically Modern Humans. Pg.204.
- Can there be any doubt that a Creator is involved when a new species pops up - fully developed. The missing link that science so proudly flaunts in the face of Christians confirms Bible teachings that a totally new man - Modern Man - was created as a replacement for Cave Man. Pg.207.
- In a world where radical mutation is the norm, non-mutation of the same features - for all species - is a "zillion" to one. Pg.214.
- Perhaps if they were not so prejudicially blind, genealogists could learn from the Biblically recorded importance God placed on the DNA of Adam. The next few topics of this book will expound on the Biblically stressed, previously sealed, genetic connection of the original living soul to the life-giving spirit of Jesus (I Cor.15:45). Pg.228.
- No man can enter the Kingdom of God unless he is be born again (John 3:3) of the Life-giving Spirit. The life-giving spirit of Jesus has the ability to give life to the dead. Pg.229.
- ...and that he had died childless. The law Cain quoted to God does not make provisions for "unmarried" brothers - ABEL WAS MARRIED. Pg.257.
- The fact that the sons and daughters of men knew and respected God's mark is in the forefront of definitive Biblical proofs that they feared and worshipped God: Pg.260.
- The Bible teaches that the great commercial city of Enoch was destroyed by the great flood. Sumerian historians teach that the great commercial city of Eridu was destroyed by what they identify as, The Deluge. Pg.265.
- If you really want to see, God will open the seals concerning the great flood so that you might understand. Pg.272.
- ...the purpose of the great flood...to physically remove Cain's genes from the face of the Earth...… Pg.275.
- ...if the entirety of mankind was destroyed by the great flood, if the sons of Noah were the only seeds left on the planet, why would God feel the need to establish a covenant with Noah and his seeds? Pg.275.
- ...scientific confirmation. Climatologists tell us that a climatic warming trend resulting in extreme global flooding began about 7000 B.C. and maxed out about 3000 B.C. Pg.277.
- To see the "after flood" effects of the genes of Cain upon the Sea one needs but to consider the sexual perversions of Sodom and Gomorrah (Gen.Ch.18). Pg.280.
- The "unsealed" message of Eve's creation (Gen.2:21-22) was meant for only our generation. No previous generation of mankind could have understood what the Holy Spirit is saying concerning the creation of Eve. Pg.284.
- Can you imagine the pain as the big rusty nails crushed through His bones and flesh? Can you imagine the pain as the pole was slid into the hole and the weight of His body ripped and tore the flesh of His hands and feet? Pg.295.
- Christians, our God is not without feelings: the Bible tells us that He takes pleasure - and that He gets angry. Satan must have known that. Can you imagine the pain the Father must have felt for His Son? Can you imagine the ire that must have kindled in His Great Spirit? Can you imagine the anguish of the Holy Spirit as He wrote thru the prophet Isaiah: It pleased the Lord to bruise Him (Is.53:20). Pg.295.
- The details of three (3) resurrections are offered as meat to those that have been weaned off milk (Is.28:9). Pg.298.
- ...clean white robes are symbolic of the fact that they will not come under condemnation (John 5:24) at the Great White Throne. Pg.301.
- ...the greatest contributing factors to the Muslim downfall will be the cessation of American oil dollars to Muslim nations. America's indebted and failing economy will soon demand that America drill for its own oil on its own lands. When you see this happen – perhaps under the next presidency – you will know that the end is near, even at the doors. Pg.321.
- To confirm the existence of God's spiritual world, Jesus first appeared to Mary as a Spirit that she could not touch. Pg.321.
- Our concern about dying a second time (Re.20:6) is Biblical proof that our Millennial bodies will be made of flesh. Pg.322.
- There will be no carnality, but we will recognize our loved ones. We will see them as we most cherished them. I will see my children as children, and/or I will see them as the adults they have become. I will see my mother as a young vibrant woman: I will not see her aged frail body taking her last breath. Pg.324.
- Is there an actual place called Heaven? Yes, and within it there is a beautiful, blissful city that the "believing" Hebrew children will call their "New Jerusalem". It will be wider than Texas - and taller than Texas is wide (Re.21:16). Pg.325.
Our thanks are extended to NASA: for the beautiful space pictures taken from the Hubble telescope.


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Fans invited to welcome home Cards after Sugar Bowl win
Updated On: Jan 03 2013 01:51:34 PM EST
Fans are celebrating the University of Louisville's Sugar Bowl victory from Louisville to New Orleans and will have a chance to welcome some of the team back home Thursday afternoon.
Some members of the football team are scheduled to return at 3:30 p.m.
Fans are encouraged to welcome them back by meeting at Papa John's Cardinal Stadium, but should be warned that not all of the team and staff will arrive back on Thursday.
University officials said there is no planned program for the arrival and no formal celebration planned at this time.
It's been a huge week in UofL sports.
The Cards beat the Cats in basketball this weekend and now Cards football won the Sugar Bowl.
Thousands upon thousands of fans made the trek down to New Orleans to watch their Cards cruise to victory -- 33 to 23 against the Florida Gators.
"We all pretty much jumped up and down screaming like little girls. It was a big upset. We were happy," said UofL freshman Cody Collins.
"It helps us carry momentum into the next season and it also helps out the ACC conference having a Sugar Bowl championship join them in a couple years, said UofL grad student Blake Whelan.
Coach Charlie Strong faced his previous team where he was the assistant coach, previously making Sugar Bowl appearances in 1992, 1994, 1995 and 2010.
This was Strong's first Sugar Bowl appearance as head coach.
His victory comes just a one month after fans were worried he would leave the Cards for Tennessee.
Strong, however, stayed with a new contract, saying his job at UofL was just getting started.
Strong kept that promise with this victory.
Fans can park near gates 1 and 2 and gather between the Howard Schnellenberger football complex and the Trager indoor practice center on the north end of the stadium.
Mother, children remain hospitalized after being hit outside KFC Yum! Center
Pregnant woman, 2 children struck by SUV near KFC Yum Center
Obama thanks Congress for aid to rebels
Woman commits suicide by jumping into crocodile pit
Flooding misses Tucson.... check out what people are saying on Twitter


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lisaonthecape's Profile
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Anyone been to the new Mac's in PTown?
I stopped by briefly while taking a drive with a guest--really just drinks and a light meal. Oysters were delicious, and I loved the chowder. The chowder is more brothy than thick, but very flavorful. I sadly must confess that I haven't been to the original Mac's yet (I live in the mid-Cape area, and all of the boys, including my husband, hate seafood).
By the way, enjoy your posts from western Mass. I went to college out your way and, now that my son is there, hope to be spending more time in that part of the state.
Forgot to mention your search for challah: if you're not already down Cape, Whole Foods in Hyannis generally carries it. Theirs is better than you would find at the other local supermarket chains.
Sep 16, 2014lisaonthecape in Southern New England
Which fountain? Rome has hundreds.
Sep 11, 2014lisaonthecape in Italy
Bologna: Need help picking 1 lunch/dinner
I had dinner at Serghei and lunch at Teresina last summer. Serghei is about as traditional as they come. Teresina might give you more non-meat options and has a lovely terrace. Of the two, that would be my choice. I haven't tried the others on your list.
Sep 11, 2014lisaonthecape in Italy
Florence-- your thoughts on our list...
For gelato: I would probably skip Vivoli--past its prime, although I do love their riso. Substitute Carapena and Carabe (for the latter, especially the nut flavors).
I might suggest Casalinga for lunch if you're visiting the Brancacci Chapel--very close and convenient. Love the lunch choices, although also like Da Sergio, which is just behind San Lorenzo.
Definitely keep Da Ruggero on your list. Haven't tried Del Fagioli or Il Santo Bevitore, so can't comment.
Sep 09, 2014lisaonthecape in Italy
It's hard to know exactly what "great restaurants" mean to an individual--an authentic mom-and-pop place? fine dining? However, I was in Ravenna several days last summer and have a few suggestions. One place I liked was Trattoria al Cerchio, Via Cerchio 13. This is most definitely a trattoria and not fine dining, but the food was fresh, simple and nicely prepared. Service was friendly; price was reasonable, and the location was a bit off the typical tourist's path. You might also want to check out Ristorante Osteria del Tempo Perso, Via Gamba 12, www.osteriadeltempoperso.it. I wanted to try this place, but did not, as my husband doesn't like seafood. I hope this gets you started, as there's not much on this board for Ravenna.
Sep 06, 2014lisaonthecape in Italy
Siena / San Gimignano day trip---what order for best food?
I absolutely agree with Jen about the order of the visits--Siena first, as there is so much more to do and see. I don't think Siena has the most exciting restaurant scene, although I had a fine lunch a couple of years ago at Antica Osteria da Divo. San Gimignano, unfortunately, is completely mobbed with day trippers and tour buses during the day, so dinner after the crowds leave would be much more pleasant, IF the timing works with the buses. We've mostly done picnics/cold drinks/gelato there, so I don't have any restaurant recs. If you really want to see both Siena and San Gimignano in a day, you might want to consider renting a car for the day.
Aug 26, 2014lisaonthecape in Italy
Fine Dining in Cape Cod for Foodies
I'm sure that most on this board would agree that your best choice for fine dining would be 28 Atlantic at the Wequasset Resort. Depending on where you are staying in Barnstable, that may slightly exceed your 30-minute driving limit (I know it would for me, but I am at the very eastern edge of West Barnstable, almost into Sandwich).
Correction: I am at the very WESTERN edge of W.Barnstable.
Aug 24, 2014lisaonthecape in Southern New England
Anniversary dinner in Rome late August
We had a lovely meal at Al Ceppo in early July to celebrate my husband's 50th birthday. We picked it specifically because Matt hates "foams, fusion and hype," and it was perfect for us.
Aug 21, 2014lisaonthecape in Italy
Accidental Tourist in Florence?
I can't help you with Accidental Tourist, but I would suggest checking out www.homefood.it and booking a meal with one of the local Cesarine. We recently tried this for the first time in Ravenna and really enjoyed the experience.
Aug 20, 2014lisaonthecape in Italy
Cape Cod Chowder Review August 2014
Just tried the chowder for the first time at Macs in Provincetown. Milky, not thick, but very good.
Aug 20, 2014lisaonthecape in Southern New England
Hyannis and Sandwich Restaurants
I grew up in Sandwich, too, and the restaurant scene doesn't thrill me, either. You might want to try the Belfry, although I haven't been in a very long time. I like Pain D'Avignon in Hyannis, although it can be incredibly crowded on weekends.
For the OP:yes, Naked Oyster is still open in Hyannis, although again, I haven't been in awhile.
In Chatham, you might want to try Vers.
Aug 20, 2014lisaonthecape in Southern New England
Rome/Umbria/Florence Food Itinerary. Minchilli, Parla, Kalb, Fant: How Did I Do?
Trionfale Market, perhaps? and then take a cab to Borghese gardens (Trust me; it's worth it. I've travelled in Italy with my kids since they were toddlers.)
A couple of other notes: in Florence, we always found Casalinga and DaSergio to be very kid-friendly. You can't beat DaSergio's location, although note that it is lunch only--and I haven't checked August closings. If you go to Casalinga, I would be sure to visit the nearby Brancacci Chapel--it's time-limited, so it wouldn't be like dragging a small child through the Uffizzi.
In Rome, Armando was kid-friendly and the location next to the Pantheon is great (again, haven't checked August closings).
We were recently in Umbria (without kids) and visited Bevagna, Spello and Montefalco, although our only meal out was at L'Alchimista in Montefalco, so I can't really offer any other dining recs. You can easily do two in a day. Of these, I think Spello is the prettiest, but as others have mentioned, it is steep. Montefalco is slightly less so, and Bevagna is nice and flat.
Aug 19, 2014lisaonthecape in Italy
Rome/Umbria/Florence Food Itinerary. Minchilli, Parla, Kalb, Fant: How Did I Do?
I wouldn't recommend lunch at Pizzarium with a 4-year-old, as there isn't really anywhere to sit. There are some spaces to stand (too high for your child) and one small bench. Rome can be brutally hot at that time of year. I would purchase supplies for a picnic in a shady park instead. The Borghese gardens aren't that close but offer plenty of space and shade.
Aug 19, 2014lisaonthecape in Italy
Sicily Trip Report 2013 - Palermo, Siracusa, Taormina, etc. (way too long as usual)
Lovely report, as always--and never too long! Although just back from Italy ourselves, we are already thinking about the next trip. Sicily is definitely on our list, as we haven't been there yet. How do you think someone who dislikes seafood (my husband) would fare in Sicily?
Aug 06, 2014lisaonthecape in Italy
A new post to this thread just popped up in my email notification, and your comments on HomeFood caught my attention. We are recently back from Italy and had our first experience with HomeFood just outside of Ravenna. It was one of our favorite experiences of the trip, for many of the reasons you noted. It's something we would highly recommend and plan to include on future trips.
Aug 06, 2014lisaonthecape in Italy
Avocado on Sandwiches: Mash or Slice?
I'm a slicer. Sounds almost like my favorite sandwich, except that I add bacon and use cheddar instead of provolone. Very, very light mayo, and the bread is good quality white sandwich bread (or sourdough), lightly toasted.
Aug 01, 2014lisaonthecape in Home Cooking
I love cherries simmered in red wine (add sugar and a cinnamon stick) alongside a slice of pound cake. A dollop of lightly sweetened mascarpone over the top is nice.
Aug 01, 2014lisaonthecape in Home Cooking
Musings on the relatively low activity on Southern New England Board
I stand guilty for not posting much on this board of late. Two reasons: first, I was recently in Italy and have been more focused on that board pre- and post-trip. It's a pretty lively board and often helpful. Second, when I am home on the Cape, I mostly do my own cooking. For the most part (and with a few notable exceptions) I prefer my own cooking to what I find dining out on Cape Cod, so I don't feel that I have much to contribute.
I don't think that the geography is too broad, provided people properly title their posts to indicate the specific town or area.
Aug 01, 2014lisaonthecape in Southern New England
Your question got me curious, so I checked a couple of menus (Metamorfosi and Glass in Rome) and, on their Italian menus, "foie gras" simply appears as "foie gras."
Jul 25, 2014lisaonthecape in Italy
Wine Shop in the Midcape Area With Good Inventory After Labor Day
If you don't mind driving a bit out of your specified mid-Cape area, I would recommend Orleans Wine & Spirits.
Jul 25, 2014lisaonthecape in Southern New England
Trip report (long): Bologna, Ravenna, Umbria, Rome
The class was about 3 hours, plus lunch afterwards. The sauces were very simple--a basic ragu (simpler than the recipe I usually make at home), a simple tomato sauce for the gnocchi, and butter and sage for the tortelloni. Most of the focus was on the pasta making. I wrote a more detailed review on Trip Advisor, if you're interested. I cook quite a bit at home, so I would say that the class is for entry- to mid-level cooks and not for sophisticated cooks. What was most useful for me was getting a feel for the consistency of the pasta and the experience of hand-rolled, rather than machine-made, pasta.
Jul 23, 2014lisaonthecape in Italy
Trip report (long): Bologna, Ravenna, Umbria, Rome
I promised a few folks a trip report, which I nearly completed a few days ago and lost the entire report just before posting. So this time, I'll take the wiser option of writing in Word first. This was perhaps our 15th trip to Italy. We spent two-and-a-half weeks, dividing our time among hotels, rented apartments, and an agriturismo, so we cooked at "home" part of the time and dined out other days. This was a belated 50th birthday present for my husband—just the two of us while our teenaged sons were home with Grandma on Cape Cod, working their summer jobs.
Jul 22, 2014lisaonthecape in Italy
First timer to Rome & Greve - Family of 4 (boys ages 8 & 13)
Just ate at both Pizzarium and Sorpasso a couple of weeks ago in Rome and liked both. My only reservation about Pizzarium for lunch is that you might prefer someplace with indoor seating (and preferably air conditioning) during the mid-day August heat. Perhaps you could reverse and have lunch at Sorpasso? Both are very good choices to escape the Vatican crowds. A nice option for a quick and casual lunch might be Supplizio--you have to cross back over the Tiber, but it's not too far. Same owner as L'Arcangelo and delicious suppli.
Jul 22, 2014lisaonthecape in Italy
My vote is with the Belfry.
Jul 19, 2014lisaonthecape in Southern New England
Hi; I was just finishing a long trip report and it suddenly disappeared before I finished and posted it. Is it lost for good?? or can it be recovered? I was posting on the Italy board as lisaonthecape tonight (7/17), and the report was titled: Trip Report: Bologna, Ravenna, Umbria and Rome. I would be most grateful if the report could be salvaged so I can finish it.
Jul 17, 2014lisaonthecape in Site Talk
I'm hoping to write the report this evening. Regrettably, we didn't get to Litro, but there's always the next trip....
Jul 15, 2014lisaonthecape in Italy
We're just back from Rome, which included dinner at Cesare al Casaletto. My husband and I loved the food, and it's really not that far. The tram is right across from the restaurant. My only caveat is that I think it's perhaps best with a group, so you can share tastes of more items. My husband and I shared a plate of gnocchi fritti and each had a pasta and were stuffed to the proverbial gills.
Jul 14, 2014lisaonthecape in Italy
Urbino: Lunch Recommendations?
We stopped in Urbino just a couple of weeks ago to break up the drive from Ravenna to an agriturismo just outside of Assisi. While we were there, we had lunch at L'Angolo Divino, which is on a side street about halfway up the hill to the town center. Nice service and outdoor seating. I wouldn't call it "great," but we shared carpaccio, then each had a plate of pasta.
Jul 14, 2014lisaonthecape in Italy
Amalfi Coast, between Amalfi and Positano.
Jul 12, 2014lisaonthecape in Italy
My favorites (in this order) are: Carapina, Carabe, and Il Re del Gelato. Also, although I think Vivoli is past its prime, I still love their riso flavor.
Jul 12, 2014lisaonthecape in Italy


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Where's the monster?
Jeff Smith 4 p.m., Sept. 23
Reka Parker & her trio will perform, with guests tenor saxophonist Joe Marillo and trumpeter Derek Cannon.
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Q221: What can priests do as representatives of Jesus?
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One People, One Government
From the Canadas to the Gulf of Mexico, From the Atlantic to the Pacific. A really nice pro-Union letter paper illustration.
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text: My husband and I were planning on going to lunch at a different place but we came here instead and we were very happy with the service and the food! The service was very friendly and the food was delicious! And like others have said in their reviews its a pretty inexpensive lunch in a expensive tourist town. There was... More


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The democratization of VC
|| Print |
|Linda Baker
|Thursday, May 24, 2012
A lively panel of investors demystified venture and angel funding for an audience of early stage entrepreneurs during a recent event sponsored by Fundingpost.com, an online exchange and national events organization. Held yesterday in the Pearl District offices of Perkins Coie, the Portland investor and venture capital event featured local and national experts and touched on some familiar themes: the need for an exit strategy, which these days means an acquisition, not an IPO, the importance of focusing on customers and revenue, and that perennial Rose City question, whether local startups "think big" enough.
But perhaps one of the biggest takeaways was this: In the second decade of the 21st century, the VC world, like many once monolithic social, economic, and political systems, is beginning to break apart, bringing new opportunities and challenges for today's entrepreneurial masses.
Setting the tone was Matt Miller, the punchy managing director of San Francisco based Walden Venture Capital: "We're all just a bunch of idiots with money," said Miller, a former Director of Marketing at Oracle. "We're living in unusual times. For the first time in history, it's easier to raise angel money than venture money." Between 2008 and 2011, the amount of venture capital money declined by 50 percent, from about $30 billion to $14 billion. At the same time, there's been a surge in seed money—the relatively small amount of money first invested in a startup. "There are 19,000 seed projects in the Bay Area because there are 19,000 angel investors in the Bay Area," Miller said. "I've never seen that before."
Miller's message to the audience, which included Oregon startups including Gliph, which is developing a personal privacy app, and Mobilligy, a mobile bill paying system? "There is a play now that is open to you that was never open to you before."
Angel investor Peter Weiss echoed that assessment. Thirteen years ago, big venture firms didn't get involved in seed funding rounds, said Weis,. Now venture firms are "suddenly doing $4 million—you didn't see that a few years ago." Weiss also suggested that the distinction between seed, angel and venture capital is blurring. "These terms are more pliable malleable, they're moving around."
Other equalizing forces are bearing down on the world of entrepreneurial finance—for better and for worse. "The big trend is the cost of entrepreneurship is coming down. The barriers to entry are low," said Angela Jackson, one of the directors of the Portland Seed Fund. As a result, there are "a lot of crappy companies pitching."
Panelists were mixed on the impact of the Crowdfunding bill, which passed as part of the JOBS Act and will allow the public to use social media to invest in and profit from startup companies.
"People now have another place like Las Vegas to lose their money," said Rick Gibson, a Tucson-based Angel Investor. It's a total crapshoot. Everyone has the right to lose money."
Scott Sandler, fund manager for the Oregon Angel Fund, was more upbeat. "Yes, a lot of bad stuff is going to happen. The other side is there is going to be a couple of success stories. The power of crowdsourcing is too great. It's not going to be held back."
Is the democratization of start up capital inevitable? As the panelists made clear, traditional obstacles to access still abound. "I can only invest in you if I believe I can make 5-10 times my money in a few years," said Miller. "So if you don't know who is going to buy you, then don't raise venture money." But with that disclaimer, after listening to yesterday's panel, I 'm thinking we're on the cusp of a new trend, especially in Oregon, where lack of venture capital is often cited as a barrier to growing and sustaining local startups.
As many cultural commentators have noted, the entrepreneurial ethos is becoming a hallmark of our era. "Generation Y," proclaimed Fast Company in a recent article, "is born to startup." Perhaps we're bearing witness to the next phase: Generation Y is not only born to start up—it's also born to seed.
Linda Baker is managing editor of Oregon Business.
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Special Song for the Chapman Family, and parents who have lost a precious child - Today's Christian Videos
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Posted By godslove7 2010-10-01T22:39:23
This is a special song for Steven and Mary Curtis and their whole family, relatives and friends. We all feel for you and the loss of your loved daughter Maria Sue Chapman,
This is a special song for Steven and Mary Curtis and their whole family, relatives and friends. We all feel for you and the loss of your loved daughter Maria Sue Chapman,
Also for all parents who have lost a preciouschild.. We pray for all of you and for God's Blessing and comfort for you .
This is a song of Hope, Faith and Love.
That although you will never see your loving precious children again in this life you will see them again with their beautiful smiles in Heaven. Praise God for His Son Jesus who gave His life to quarantee you that re-union, with your child forever. You only have to believe and accept Jesus as your Lord and Savior.
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Farmers harvest grain in Chernihiv Oblast, north of Kyiv, in 2009. Agriculture will be one of the most promising investment sectors for decades to come.
Azarov suggests raising energy efficiency, holding audit in this sector
EU to issue EUR 2.8 million loan to develop Energy Efficiency Agency
Lawmakers may soon crack down on use of unregistered cell phones
How and where to invest in Ukraine – if you can stand the risk
Edward Chow: Ukraine's energy system 'optimized for corruption'
Yanukovych: Ukraine to implement program to diversify energy supplies
Expert: Ukraine behind deadlines of meeting commitments to Energy Community
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Ulyukayev: Moscow deems EU-declared moratorium on free trade with Ukraine 'legally sufficient'
Not all EU countries can supply gas to Ukraine due to their contractual obligations - EC
Reuters: Merkel says may be necessary to rethink energy partnership with Russia
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Ukraine from Jan. 1, 2015 will get over 100 million euros for investment programs
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Carpenter pitches Cards past Nats 8-0 for 2-1 lead
Associated Press
Published 12:07 am, Thursday, October 11, 2012
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WASHINGTON -- Set aside the high-pressure task of postseason pitching that Chris Carpenter routinely masters for the Cardinals and think about this:
Even the take-it-for-granted act of breathing feels odd on occasion now that he's missing a rib and two neck muscles.
Taking the mound for only the fourth time in 2012 after complicated surgery to cure numbness on his right side, Carpenter, 37, spoiled the return of postseason baseball to Washington by throwing scoreless ball into the sixth inning, and the defending champion Cardinals beat the Nationals 8-0 Wednesday to take a 2-1 lead in their NL Division Series.
"To go from not being able to compete, and not only compete but help your team, to be able to be in this situation," Carpenter said, "it's pretty cool."
Rookie Pete Kozma delivered a three-run homer, and a trio of relievers finished the shutout for the Cardinals, who can end the best-of-five series in Thursday's Game 4 at Washington. Kyle Lohse will start for St. Louis. Ross Detwiler pitches for Washington, which is sticking to its long-stated plan of keeping Stephen Strasburg on the sideline the rest of the way.
"We're not out of this, by a long shot," Nationals manager Davey Johnson said. "Shoot, I've had my back to worse walls than this."
With the exception of Ian Desmond - 3-for-4 on Wednesday, 7-for-12 in the series - the Nationals' hitters are struggling mightily. They've scored a total of seven runs in the playoffs and went 0-for-8 with runners in scoring position and left 11 men on base in Game 3.
Rookie phenom Bryce Harper's woes, in particular, stand out: He went 0-for-5, dropping to 1-for-15.
He went to the plate with an ash bat and no gloves in the first inning, tried wearing anti-glare tinted contact lenses on a sun-splashed afternoon - nothing helped.
"Nothing I can do," Harper said. "I just missed a couple."
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Stream, River in Monmouth County, New Jersey, USA.
Latitude: 40.10806 : Longitude: -74.54056
Blogs and Websites Near Lahaway Creek, New Jersey - GeoURL
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This page contains Grand Theft Auto 4 Hints for Xbox 360 called "Lots of ammo and shooting fun" and has been posted or updated on Jul 8, 2008 by coltar01. Let us know what you think of this Hint by thumbs voting.
- Developer: Rockstar North
- Publisher: Rockstar Games
- Genre: Action Adventure Modern
- Release Date: Apr 29, 2008
- ESRB: Mature
Lots of ammo and shooting fun
Go into somewhere like MCnuggets and go into the womans bathroom. Make sure before this you have a wanted level of at least three and a gun, so go in the bathroom and funnel off the cops and S.W.A.T. team while blowing them away, when they stop coming for a second run and grab all the ammo and repeat.
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Until recently, disability insurance market was mainly targeted toward affluent households, those with annual earnings of more than $100,000 and those with specialized or highly skilled occupations like physicians, dentists, and attorneys. Throughout the years, products and benefits, pricing and affordability, and the marketing and sales approach have been geared to suit the affluent market.
However, now that disability insurance sales have plateaued, carriers are looking to new markets to show growth. Enter the middle-market. According to the US 2012 Census, 48 million households are considered middle income; households with annual earnings of $35,000 - $100,000. The middle-market segment is more than twice the size of the affluent market.
And guess what? Very few producers are talking to them about disability insurance or better said, "income protection." Entering this market is relatively easy. In fact, you probably have a considerable number of middle-market clients in your practice.
Let's look closely at the facts that impact the middle-market.
While the premium for the typical disability insurance policy would be prohibitive to your middle-market clients, carriers are now adjusting the pricing and coverages of disability insurance products to make them more affordable. Benefits that are essential in the affluent market may be just not that important in the middle-market. For example, carriers can make the coverage more affordable by limiting coverage conditions that drive higher premiums. The "Own-Occ" coverage definition is important for those in specialized occupations. Middle-market earners are more than likely well-served with the simpler "Modified Own-Occ" or "Any-Occ" definitions. That's because someone who works in an office setting might be able to transition to a job that accommodates duty limitations with little to no impact on earnings. Not so, for a physician or an attorney. Download the Own-Occ Oversell Quick Tip for more on this issue.
Which of your clients should you talk to about disability income?
Most of your working clients need help, but let's narrow the field initially.
How should you start the conversation?
Many middle-market consumers are unaware of the risk associated with being off work due to disability. Start the conversation with a "Did You Know" question to pique their interest. DisabilityCanHappen.org has a short downloadable quiz you can use to raise disability awareness with your clients. You can also show them this insightful infographic as part of your presentation.
Targeting the middle-market for income protection isn't so farfetched:
And most importantly, DIS is in your back pocket, with the products and support you need to target the middle-market with suitable disability insurance products. Request a disability insurance quote today, and let us know how we can help you be successful.
(Click infographic to enlarge as pdf)
What tool is the MOST IMPORTANT to your success as an insurance producer?
It's not a sales script or a brochure. It's not a call center or a follow up strategy. It's not even a good system for insurance lead generation. While all of these tools are important, they quickly fall flat without a person behind them.
When it comes to selling insurance, people make the difference. They establish rapport, build need, share compelling testimonials, overcome objections and explain all the pesky product details. And when you think about it, insurance sales professionals achieve all of these important objectives through the power of speech.
In fact, your ability to speak may be your most important sales tool as an insurance producer. So, imagine for a moment how scary it would be to lose your ability to speak for a year or more! That's exactly what happened to insurance producer, Bob D.
Bob's Story
A few years ago, Bob was nearly killed by an unexpected stroke. Fortunately, he survived. However, his doctors delivered some disturbing news: They believed he would regain use of all functions – EXCEPT SPEECH.
Have you ever stopped to think about how you might do your job as an insurance professional if you were unable to talk? That's exactly the dilemma that Bob had to mull over. As an insurance agent, he could more easily work without the ability to walk, then he could without the ability to talk!
Fortunately, Bob believed in disability insurance and he had taken the time to invest in paycheck protection for himself years earlier.
Instead of losing everything he owned during this potential financial crisis, his disability insurance coverage bought him the valuable time needed to retrain his brain to communicate. Over time, he regained his ability to speak and to tell everyone his personal disability insurance success story.
If Bob ever had any doubts about the value of disability insurance, those doubts are now erased forever. Share this story with everyone you know, and if you haven't already done so, get paycheck protection for yourself!
Want more great DI sales advice? Download our all new resource, "Three Secret Questions That Can Unlock Your Sales Destiny."
Are you conducting annual reviews with at least some of your clients? The annual review, used successfully by many professionals, is not only a forum for reviewing product portfolios, protection levels and investment performance; it's also an ideal time to educate clients.
Investing in your clients' knowledge achieves three valuable objectives. It:
1. Establishes your expertise
2. Preempts your competitors
3. Empowers clients to make better financial decisions
The educational topic will vary by client depending on several factors including age, life stage and financial position. The topic doesn't always have to be tied to a product. The annual review is a long-term play that leads to a well-integrated practice where your clients have more than one line of business with you and are more likely to be loyal over the long-term.
Speaking of long-term, long-term care can be a great education topic to discuss with some clients. So many people, even those who are well-informed, have little knowledge of long-term care costs, long-term care insurance, and what, if any, long-term care is covered by Medicare and Medicaid.
Here are a few facts (found in two studies by Genworth, Beyond Dollars 2013 and Cost of Care 2014) that can better inform your client about the cost of long-term care.
Highlighting long-term care facts is a great way to pique your client's interest. Many clients believe the cost of a long-term care insurance policy is expensive. And it can be. Address the silent objection directly. Acknowledge that some long-term care insurance policies can be expensive. Then, take the opportunity to highlight your expertise and continue the education process with the following five steps.
1. Share the facts about long-term care claims. For instance according to an November 2013 article in Broker World Magazine:
2. Tell your clients that your knowledge about long-term care insurance claims helps you design a policy for them that maximizes the policy benefits and minimizes the policy premiums.
3. Ask your clients if, based on the claim statistics, they feel sufficiently protected with a policy that provides a three year benefit period. It keeps the premium affordable yet provides a reasonable period of coverage.
4. Now that you have an idea of the benefit period, introduce the daily benefit amount. Refer back to the cost of care numbers you shared earlier. The conversation may go something like this:
"We know that 84% of long-term care is provided in the home. And we also saw that the national median average for home care was $19/hour for homemaker services and $20/hour for home health aide services. Arriving at how many hours per day care are needed will help us decide the benefit amount."
5. From there you can talk through the possibilities with your clients. What amount of coverage is enough for them feel comfortable and still have an affordable policy?
The cost of care can be immobilizing for some clients and that's the last thing you want. By introducing important facts about the cost and the frequency of long-term care, you can educate clients about the risk and present an affordable solution. Need more assistance? Contact me anytime and download our long-term care insurance broker kit today.
As summer comes to a close and the leaves begin to take on new colors, the biggest change to my daily routine is that I now order a pumpkin spice latte instead of my usual Americano. For me, fall no longer brings back the burden of a new school year or the anxiety of trying to finalize a schedule that kept my Fridays open. And—fingers crossed—it'll be years before I have kids of my own to drop off for their first days of school. But despite the fact that I don't have to head back to school this fall, there are some back-to-school basics that I (try to) never forget.
1. School supplies – When we were younger, our biggest decision was probably deciding between a box of 16 or 64 crayons (though I always envied the kids with the 120-count boxes). Now, you probably don't need a new box of crayons, but you should still consider investing in new tools to help you jump out of your summer slump. Whether it's updated business cards, a current smartphone (so you can access the handy-dandy DIS mobile quote engine app, of course), or even a few new outfits (dress for the job you want, yadda, yadda, yadda), you'll feel more refreshed and prepared to push through the fall, all the way to the holidays.
2. Sit where you can see – While I was quick to steal any back row seat in high school, I quickly learned in college that the front row is where I did my best learning. I'm not sure if it was the sudden realization that I was paying to be there, or the fact that I chose a major that genuinely interested me, but regardless, when I went to class, I wanted to learn as much as I could. When you log in to a seminar or attend a conference, do you sit back and play with your phone, just waiting for the lecture to be over? Or do you take notes, ask questions and make an effort to use your time wisely and learn? Even if you're just trying to get through your CE credits, remember, this is your career. You WANT to be the best at your job, right?
3. New textbooks – Remember when you used to shell out hundreds of dollars for textbooks, only for your professors to test you solely of their lectures? Well, good news—online content is free! Take some time to browse insurance news sites and industry-related blogs for up-to-date information on carriers, products, regulations, etc. Just because you don't have to take tests or write papers doesn't mean you shouldn't continually educate yourself.
4. Make new friends – Every year when my mother dropped me off for school, she'd smile, wave and say, "Make new friends!" To me, she was a weirdo, because I already had friends. Why did I need new ones? Well, there are several reasons. For one, meeting new people helps you work on your communication skills. We live in a digital world where most communication happens through email, texts and social media, making it a rare occasion when we have to converse face-to-face. By stepping out of your comfort zone and engaging with strangers, you'll open yourself up to new experiences, new contacts and, if you're lucky, new clients.
5. Give new subjects a chance – From the moment I entered my freshman year of college, I knew I wanted to be a journalist. By the beginning of my junior year I had finished all my upper division English courses, and I spent my remaining semesters taking my general educations courses (very backwards, I know). But because I had been so set on studying English, I didn't give myself the opportunity to explore other majors and professions. By the time I took economics, I was too close to graduation to consider moving in a new direction, despite my newfound love for business. Most insurance agents tend to specialize in one or two key areas. Don't be afraid to learn about other types of coverage and expand your knowledge on new products. You might think your passion lies with life and health, but what if your talent is selling LTCI or critical illness insurance? We're fortunate to be in an industry that allows us to be masters of several products, so don't be quick to pigeonhole yourself too soon.
Back to school season is the perfect time to get back to business. Need a refresher? Start with D.I. Dan's Crash Course.
You would have to live under a rock to have missed the remarkable phenomenon of the ALS "Ice Bucket Challenge." It will soon exceed $100 million raised to further ALS awareness and research. Who would have guessed that watching people getting doused with buckets of ice water could be so much fun?
Beverly, Mass., resident Pete Frates, along with his family, helped to make the "Ice Bucket Challenge" go viral on the social sites Facebook and Twitter. Frates, 29, has lived with ALS since 2012, and has worked with The ALS Association's Massachusetts Chapter. A former Division 1 college athlete with Boston College baseball, Frates tirelessly spreads awareness of ALS or Lou Gehrig's Disease according to the ALS website.
And speaking of Lou Gehrig, this year is the 75th anniversary of Gehrig's retirement from baseball. His premature retirement at age 36 was forced by the symptoms of this devastating disease. Many of us have forgotten the amazing details of Gehrig's baseball career including:
Lou Gehrig was dubbed The Iron Horse by the press based on his streak of playing 2,130 consecutive games, which ended when he asked his manager to take him out the lineup due to his fading abilities (and imminent disability diagnosis). Gehrig's record stood for 62 years until it was broken by Cal Ripken Jr. in 1995.
Iron Horse has morphed over the years to become Iron Man, an athlete of unusual physical endurance. And yet, this Iron Horse - Lou Gehrig, experienced a career ending diagnosis, disability and eventual death in his mid-thirties. Still feeling invincible?
Even highly-skilled athletes in the prime of life become disabled. And no, those disabilities are not necessarily caused by the physical demands of their sport or an accident. Have you taken time to protect your most valuable asset, your ability to earn an income? Request a disability insurance quote and learn more here.
Many of the insurance producers and financial advisors DIS works with also handle their own personal insurance. Unfortunately, we have found that while most agents and advisors recommend individual DI for their clients, they often don't purchase coverage on themselves!
Many producers who do apply for coverage run into the following problems:
Don't physicians sometimes ask for a second opinion from a specialist? Would you, as the DI client, appreciate a second opinion from someone fully engaged as a DI specialist? Isn't it time to look carefully at your own DI protection? We'll do the analysis!
How does DIS make it easier?
Are you sure you still want to sort all this out yourself? And don't your clients deserve that same expertise? The best way to sell more disability insurance is to own the coverage yourself! Move beyond a one size fits all single carrier DI solution and work with professionals offering a broad portfolio and significant expertise.
We look forward to working with you!
A few years ago, the U.S. Census Bureau published a report called "The Next Four Decades," showing how elder demographics are expected to change between 2010 and 2050. In short? They're expected to grow. (A lot.)
Today, for every 100 people of traditional working age, there are 22 seniors: this is called the dependency ratio. By 2030, that number is projected to hit 35, at which point elders will represent 19% of the total population.
This explosion of non-working elders brings with it certain obligations. Who will care for those who cannot care for themselves? Usually, the answer falls along family lines.
What is filial responsibility?
Filial responsibility is the obligation that adult children have to care for their aging parents.
In the U.S., some thirty States have laws about filial responsibility on the books, stipulating that if parents can't pay their medical bills, the debt will transfer to the children. In about two-thirds of these States, says Life Health Pro, providers of long-term care have the right to sue family members to recover their costs.
This type of law is not a new phenomenon. There were filial responsibility laws in England up to 400 years ago; closer to home, in the U.S. they've been part of the system for decades. Their purpose is to lighten the load on the State, lifting costs off the welfare system by placing them back on the family.
When does it become an issue?
Most of the time, these laws are not enforced. When they are, often they take the child's ability to pay into account. And there are federal laws that prohibit care providers from going after children (source).
That doesn't mean, however, that your clients are universally off the hook. According to Life Health Pro:
"A Pennsylvania state appeals court has ruled that the adult son of a nursing home resident is responsible for her unpaid $93,000 bill. And the decision has some elder care lawyers wondering if this is just the beginning of a trend."
What about Medicare?
Filial responsibility laws apply only to patients who don't qualify for Medicare. Elders in the Medicare system are covered by Medicare.
So, that means their long-term care needs are taken care of, right?
Wrong. Remember that Medicare doesn't cover long-term care. These expenses are the patient's responsibility. If the patient can't pay, they fall under the umbrella of filial responsibility.
Educate your customers
We encourage you to talk to your customers about filial responsibility. Educate them on their parents' need for long-term care insurance, and brainstorm ways to resolve any concerns they may have about broaching the subject with their parents.
Make sure they understand their risks, too. Nolo says that adult children are most likely to be held accountable for their parents' long-term care expenses if the following criteria apply to them:
Remember to add to this list:
To help your customers find answers or create a long-term care plan, you may also want to direct them to ElderLawAnswers.com.
Most of all, make sure they understand what long-term care is, and what this type of insurance covers. Here's an overview. Also, our LTCI Fact Sheet #1 is an invaluable tool to share with clients.
It's come to my attention that there are still some agents out there who aren't selling disability insurance. I can only assume it's because they're a little frightened by the process. Maybe they're worried their clients will ask questions about riders they're unfamiliar with, or maybe they don't know where to place clients with pre-existing medical conditions. Maybe they don't even know how to approach the subject with their clients. Well, fear not dear agents, for DIS is here to help you overcome these obstacles! Trust me, selling disability insurance isn't scary. In fact, it's the least scary thing I can think of. That's why I decided to make a list of all the things that are far scarier than selling disability insurance, just to prove my point. Enjoy!
51 things scarier than selling disability insurance
Now that you're ready to conquer your fear, get started by downloading our Broker Opportunity Kit today.
Whether we're buying a new car, planning a vacation getaway, or choosing a cellular plan, we Americans love having plenty of choices. And when it comes to financing long-term care costs, your clients have choices too.
As an insurance broker, you've probably been stressing the need for and singing the praises of long-term care insurance to your clients for a long time. You've cited the statistics – how 70% of Americans who reach age 65 will need long-term care at some point in their lives. You've told them how they can spare their families the financial burden and stress of having to pay for a loved one's long-term care out of pocket.
But have you told them they can finance their long-term care insurance premiums with their Health Savings Account (HSA)?
Health savings accounts are becoming one of the most popular savings vehicles. And it's easy to see why – they're completely tax free, funded with pre-tax dollars and not subject to taxes at withdrawal, so they can be an excellent way to save for future medical costs. HSA funds can be used to pay for COBRA coverage, healthcare coverage while unemployed, Medicare, or other health coverage at age 65 or older.
HSAs are also a great way to help pay for long-term care costs.
With a "tax-qualified" long-term care insurance policy, anyone can use money from their HSA to pay a portion of the premiums, all tax-free. A long-term care insurance policy is considered tax-qualified if it pays benefits when the insured is unable to perform at least two activities of daily living (such as dressing and bathing) or when the insured has a severe cognitive impairment. Most LTCI policies qualify.
The amount an insured can withdraw tax-free to help pay for long-term care insurance premiums depends on their age. Here's the breakdown on how much can be used from an HSA for 2014:
These amounts are adjusted annually for inflation.
Help your clients develop their long-term care insurance funding strategy
With the need for long-term care on the rise, the need for Long-Term Care Insurance will continue to grow too. And your clients want choices. Since HSAs are still relatively new, many people aren't aware of their potential for financial planning. That spells opportunity for you to educate them.
When you're ready to present a long-term care insurance quote, count on DIS to support you throughout the sales process. Ready to get started? Download our LTCi Broker Kit here or contact me for more information.
© 2014 Disability Insurance Services. All rights reserved. Privacy Policy


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Italian Recipes (Most Popular)30163 results - showing 26471 to 26480
Italian Tuna Salad with Olives and Garlic
What a flavor explosion! I think my Grandmother would say, "Va Bene."Submitted by JENRANDALL
Pita Pocket Pizza
Tasty Low Fat, Low Cal Pizza AlternativeSubmitted by BECKIESUEDALTON
Tri-Color Pasta Salad
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Italian Chees and Sausage Frittata
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Ceresa Family Meatballs (1 serving = 1 meatball)
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Italian Plum Cake
Modified from Williams-Sonoma cookbookSubmitted by JCMANUEL
Basic Marinara
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Pasta with Pesto and Shrimp
This was delicious. I found it in a Bride and Groom cookbook my husband bought me. You can use low carb whole wheat pasta if you wantSubmitted by WESLEYSBRIDE
Stuffed Chicken Parmesan
Submitted by WESLEYSBRIDE


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Monday 5 April 2010, 11:00
Imagine if you will a swan. Now think of the legs pumping away under the surface. Welcome back stage to BBC Radio's Election Night Special.
We know the nation has never been less in love with those who represent us, so the looming General Election promises to be both brutal and dramatic.
And what you see...
Behind the scenes at Radio 4 and Radio 4 Extra from producers, presenters and programme makers.
Stay updated with the latest posts from the blog.
Subscribe using:
Follow BBC Radio 4 & BBC Radio 4 Extra on Twitter for programme highlights and interesting retweets.
Identifying the top ten game changers operating in the UK today.
Find out about this year's panel and theme


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- Apple turns on iCloud two-step verification after nude selfie scandal
- Hackers accessed Goodwill hosting provider for 18 months before card breach
- Cybercriminals target online retail businesses
- Citadel financial malware used in attacking petrochemical companies
- NSA reform bill stalled with Congress headed toward fall recess
Pathways Business Brochure 2013
Tailored learning and development program for organisations looking to build business acumen within their Key ICT executive. The course curriculum is designed in conjunction with the specific requirements the enrolling organisation.
Please supply your email address to access the content.
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Video profile
Neurosurgical Consultants
7515 Greenville Ave
Ste 400
Dallas, TX 75231
Phone Number
Locations and availability (4)
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Richard Hinton:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
- Currently 3.5 of 4 stars
The overall average patient rating of Dr. Richard Hinton is Excellent.
Specialties & Research
Dr. Richard Hinton, MD is board certified in Neurology.
Education & Awards
Dr. Hinton graduated from Baylor College of Medicine, Houston. He has 2 awards.
Dr. Hinton has 11 hospital affiliations:
- Texas Health Harris Methodist Hospital Southwest Fort Worth
- Harris Methodist H E B
Accepted Insurance Plans
Dr. Hinton accepts these health insurances in at least one office:
- United Healthcare - 14 plans
- Great-West Healthcare - 2 plans
- Unicare - 2 plans
- Blue Cross Blue Shield of Texas - 3 plans
- Superior Health Plan - 2 plans
- Scott and White Health Plan - 2 plans
- WellCare - 1 plan
- Humana - 14 plans
- Cigna - 7 plans
- USA H & W Network - 1 plan
- Aetna - 3 plans
- Spanish
- Vietnamese
Similar doctors nearby
Dr. Wooten Maureen
Dr. Samir Shah
Dr. Elizabeth Peckham
Dr. Anne Lipton
Dr. Duc Tran
Dr. Stuart Black
- Additional Information
- Where does Dr. Richard C. Hinton practice?
Dr. Richard Hinton practices Neurology near Dallas, TX.
Additional practice locations include: Plano, TX and Irving, TX.
See Dallas Neurologists.