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Awards Archive
Here you'll find information about the geothermal technology research and development projects funded and grants that have been awarded prior to 2008 by the U.S. Department of Energy (DOE). The archives are listed below.
- Geothermal Resource Exploration and Definitions (GRED-III)
- Geothermal State Energy Program Awardees
- Enhanced Geothermal Systems Grant Recipients
- Geothermal Resource Exploration And Definition II Program
- Enhanced Geothermal Systems Project Development - Phase Three
- Enhanced Geothermal Systems Project Development - Phase Two
- State Energy Program Geothermal Awards
DOE also has Open Solicitations.
Geothermal Resource Exploration and Definitions (GRED-III)
The following companies will receive financial assistance from DOE under its Geothermal Resource Exploration and Definitions (GRED-III) program:
- ORMAT Nevada, Inc
- Earth Power Resources, Inc.
- Esmeralda Energy Company
- Noramex Corporation
- AMP Resources
- New Mexico Institute of Mining and Technology
- Fort Bidwell Indian Community
- Western Geothermal Partners
- NGP Power Corporation
- Arizona Public Service
- Chena Hot Springs Resort, LLC
The GRED III program will ultimately lead to more electrical generation and direct-use applications from geothermal resources.
DOE requested approximately $2 million in FY 2004 for this program.
Geothermal State Energy Program Awardees
A major problem that hinders geothermal development is that most state and local officials, utility managers, and others are unfamiliar with geothermal energy. They have little experience with geothermal development and have not considered the benefits in providing local jobs for resource development, construction and operation of facilities. To this end, communication and outreach grants awards have recently been announced to the following states:
- Alaska - Alaska Energy Authority
- Arizona
- California - California Energy Commission
- Colorado - Governor's Office of Energy Management & Conservation
- Hawaii
- Idaho
- Montana
- Nevada
- New Mexico - Energy Minerals and Natural Resources
- Oregon - Oregon Department of Energy
- Texas - Texas Comptroller of Public Accounts
- Utah
- Washington - Washington Department of Community, Trade & Economic Development
- Wyoming
Enhanced Geothermal Systems Grant Recipients
The EGS program just selected the following research projects for funding under Enhanced (Engineered) Geothermal Systems Research and Development Grant (solicitation No. DE-PS36-04GO94001):
Some of the following documents are available as Adobe Acrobat PDFs. Download Adobe Reader.
|Applicant Name
|Budget Information
|Click on the PDF Link to view project summaries.
|Cost Share
|Duke (Malin) (PDF 95 KB)
|Pennsylvania State University (Elsworth) (PDF 117 KB)
|SAIC (Pritchett) (PDF 115 KB)
|University of Utah (Hulen) (PDF 142 KB)
|University of North Carolina (Rial) (PDF 97 KB)
|University of Utah (Moore) (PDF 107 KB)
|University of Utah (Moore) (PDF 95 KB)
|University of California, San Diego (Möller-Weare) (PDF 117 KB)
|Pinnacle Technologies (Weijers) (PDF 106 KB)
|University of Utah (Wannamaker) (PDF 94 KB)
|University of Utah (Hulen) (PDF 122 KB)
|University of Utah (Rose) (PDF 95 KB)
Geothermal Resource Exploration And Definition II Program
The Department of Energy has selected seven additional geothermal exploration projects to find, test and define previously unutilized geothermal resources under the Geothermal Resource Exploration and Definition II (GRED II) program. This program is a follow-on to the successful initial GRED program that sponsored seven projects in four states (California, Nevada, New Mexico, and Utah), resulted in the drilling of seven test wells, and contributed to the addition of significant new resources. The seven new GRED II projects will directly contribute towards the goals and objectives of the DOE Geothermal Program by offering a wide geographic and geologic diversity that will promote the development of this resource in new areas and ultimately increase the amount of geothermal energy available for electric power generation. DOE is planning to provide $3.5 million over the first two years, with additional funding in later years, to GRED II projects in Arizona, California, Idaho, Nevada, and New Mexico.
The GRED II cooperative agreements consist of up to three phases that include (1) Phase I: Resource Evaluation to discover a resource and select a drilling site, (2) Phase II: Drilling and Characterization to access the resource by drilling a test well, and (3) Phase III: Testing and Assessment to evaluate the capacity of the reservoir to produce geothermal energy. Projects were allowed to enter at any phase if prior phase results were already available.
Advanced Thermal Systems, Inc. will perform geophysical testing to site a well and then drill and test the resource at Fly Ranch Hot Springs in Nevada. A seismic reflection survey will be used to define the subsurface stratigraphy of the thermal system in this part of the Hualapai Flat area and locate faults and fractures at depth. The resource potential will be confirmed by slim-hole drilling to a depth of 1500-2500 ft and subsequent testing of the target.
AmeriCulture Inc. will complete a test well at Lightning Dock in the Animas Valley of New Mexico. The location of this well was targeted under previous EGS funding, resulting in a well drilled to 910 ft to test a shallow resource. Under GRED II funding, this same well will be continuously cored to 1500-2100 ft to test a deeper resource in a fractured limestone hydrothermal reservoir. Drilling will be followed by well testing and reservoir assessment.
Calpine Corporation will site and drill a test well at Arnica Sink near Medicine Lake in California. Arnica Sink, which is just west of Glass Mountain, had been tested in 1984 with a deep well that was plugged back to 4,650 ft by a previous owner. In this project, the well will be re-entered, sidetracked, and drilled to a depth of 9,000 ft. Flow testing would follow to assess the reservoir.
Layman Energy Associates, Inc. will apply geophysical methods to optimize well siting and then drill and test the resource at Truckhaven in the Imperial Valley of California. This project, located on the western edge of the Salton trough, will use an extensive program of gravity, MT and EM geophysics to site well locations. Slim-hole drilling to a depth of approximately 3,000 ft will be used to confirm the resource.
Noramex Corporation will drill a second exploration and test well at its Blue Mountain site in Nevada. The first well was drilled under a GRED project in 2002 and tested a major fault from the valley side. Based on those results, it appears that the optimum target is on the Blue Mountain side of the fault along a second set of young faults at a depth of about 3,000 ft. A slim-hole, continuously cored well will confirm the resource.
Northern Arizona University will explore the San Francisco Volcanic field in Northern Arizona for prospective geothermal sites. They will use new geologic mapping, Argon age dating, and re-evaluation of existing geophysical data (seismic, gravity, magnetics) to define the potential for a significant geothermal resource in this region. These studies should lead to the identification of a high-priority drilling target.
U. S. Geothermal, Inc. will test and evaluate a geothermal resource at Raft River, Idaho, that has been drilled into, but has never achieved commercial production. The project consists of a series of well inspections and tests to confirm the production potential of the existing wells on the site. Based on these results, the generating potential of the site will be assessed, operational constraints will be identified, and the design of a power plant will be started if well conditions warrant.
Contacts: Norm Warpinski, Sandia National Laboratories (505) 844-3640, or Dan Sanchez, DOE Albuquerque Operations Office (505) 845-4417.
Enhanced Geothermal Systems Project Development - Phase Three
In Phase One of this solicitation, the U. S. Department of Energy (DOE) Idaho Operations Office (ID) sought applications for projects to verify the electrical power generating potential of enhanced geothermal systems (EGS). Concept definition studies occurred in Phase One. Phase Two is field-validation of the concepts. Five awardees of Phase One activities were selected for continuation of their projects. For Phase Three, the University of Utah's Energy and Geoscience Institute (EGI) and Caithness Energy, LLC, of New York, N.Y., have been selected to move forward with their project and develop and demonstrate an Enhanced Geothermal System (EGS) at the Coso geothermal field in California. DOE will provide $4.5 million over the next five years to support the $12 million effort.
The new system is expected to add about 15 megawatts of electrical capacity — enough to power 11,250 homes — to the 270 megawatts now being generated at the site. This cooperative agreement will develop and demonstrate new EGS techniques to engineer and improve the productivity of the Coso geothermal field, located about 25 miles north of Ridgecrest, Calif., on the China Lake Naval Air Weapons Station. UU-EGI and Caithness will pump water under high pressure into a portion of the Coso field to fracture subsurface rocks and create channels for hot water to move from the geothermal reservoir to existing geothermal wells. The process, called "hydrofracing," is commonly used in oil and gas production.
Enhanced Geothermal Systems Project Development - Phase Two
|Creation of an Enhanced Geothermal System through Hydraulic and Thermal Stimulation
|The Energy & Geoscience Institute, University of Utah
|EGI proposes to create and test an EGS, with both injection and production wells, on the perimeter of the Coso geothermal field. Investigators will collect and evaluate geochemical, geophysical, geomechanical, petrophysical and borehole-image data to first select and then hydraulically stimulate an injection well. Concurrently, models will be developed to predict the response of the selected well to the stimulation. These models will be revised during the project as information is generated on the well and its response to the stimulation and testing. A production well will be designed, drilled, and, if necessary, hydraulically stimulated. A circulation test will be conducted, which will incorporate tracer testing to characterize the flow processes between the coupled wells. Coso Operating Company, the field operator, will provide EGI the wells and infrastructure for field experiments, and will design the hydraulic stimulation tests. Other participants include Geomechanics International, the Navy's Geothermal Program Office, the USGS, Kansas State University, Halliburton, and Pinnacle Technologies.
|Creation of an Enhanced Geothermal System beneath The Geysers Steamfield, California
|DOSECC, Inc. at and Calpine Corporation
|This project proposes to develop the technology required to extract energy from the reduced permeability zones that underlie all the high temperature geothermal systems. This methodology will be implemented and tested at The Geysers geothermal field in California. It is proposed that existing wells at this location will be deepened and drilled into the High Temperature Zone. Water will be injected into fractures having poor connectivity to the overlying reservoir (from which steam is currently being produced). The injection of this cold water will cause propagation of the existing fractures due to the thermal contraction. These fractures will connect with the overlying Normal Temperature Reservoir, and injected fluid will increase steam flow from existing production wells, while mitigating problems related to high gas and chloride.
|Enhanced Geothermal Systems Development for the AmeriCulture Leasehold in the Animas Valley
|AmeriCulture Inc.
|The AmeriCulture project is directed towards the enhancement of both the flow rate and temperature of the hydrothermal fluids produced from the Lightning Dock KGRA in the Animas Valley of New Mexico. It is proposed that the deeper part of the reservoir be accessed and its productivity improved by the application of EGS technologies. The hotter fluid produced would then be used for both commercial electricity generation and heating for the planned expansion of existing aquaculture facilities. AmeriCulture proposes to drill and stimulate both injection and production wells. Acidization will be used to supplement the hydraulic fracturing. The project proposes to use a low- pressure, flash-steam plant.
|Horizontal wells to enhance production in the Bottle Rock Field - Phase II Proposal
|Maurer Engineering Inc. and ThermaSource Inc.
|The proposed EGS project is an integral part of ThermaSource's project whose goal is to bring 35 MW of new electrical generation on line by reopening the Bottle Rock Power facility located at The Geysers in Northern California. The proposed work will incorporate a horizontal drilling program intended to increase steam production from the existing resource by more effectively intersecting existing fractures in the reservoir. The three proposed horizontal wells (two sidetracks in an existing well, and one new well) will provide the additional steam to increase power production at the Bottle Rock power plant from 20 MW to 35 MW. The proposed work will utilize a new geothermal geared turbodrill to directional drill in the high-temperature formations. High-temperature measurement-while-drilling systems will be used with the turbodrill so that the direction of the well can be detected and controlled.
|Development of a Plan to Implement Enhanced Geothermal Systems (EGS) in the Animas Valley, New Mexico
|Lightning Dock Geothermal, Inc. and Ormat International, Inc.
|The proposed project will utilize both the EGS and hydrothermal reservoirs at the Lightning Dock Geothermal Resource in New Mexico to provide the geothermal fluid to operate a commercial binary power plant with an electrical generating capacity of 6 MW net. In this project the deeper EGS resource will be fractured and pressurized with fluids injected from the surface facilities. The fluid from the EGS production well will be used to supplement the fluid produced from the shallow hydrothermal resource for the generation of power.
Near-Term Geothermal Drilling Technology Development
Contracts were issued to Two-Phase Engineering and Research, Inc. and to APS Technology. Two-Phase Engineering and Research will modify the LEAMS unit to achieve noise reduction and to improve its performance in the areas of condensation, corrosion, and hydrogen sulfide abatement. APS Technology will build and test a turbine alternator, which will be suitable for use in geothermal drilling. Power from the alternator will run a thermoelectric cooling system to cool critical electrical components of a geothermal MWD system. Contact: Allan R Sattler, Sandia National Laboratories, 505-844-1019.
State Energy Program Geothermal Awards
Secretary of Energy Spencer Abraham recently announced cost-shared awards totaling $234,686 to Nevada, Utah, and Idaho for geothermal resource investigations under the Department of Energy's State Energy Program. The state energy offices will use the funds to identify potential areas for geothermal power development and direct use projects.
These competitive awards provide specialized funding in addition to annual "formula" grants to each state energy office. They are part of a large grant program covering renewable energy and energy efficiency projects in 48 states, three territories, and the District of Columbia. "These projects will help to conserve energy, provide jobs, increase our national energy security, and reduce the need for new electricity generating plants," said Secretary Abraham. "These projects emphasize the Administration's reliance on the important role states play in promoting energy efficiency and renewable energy strategies, and many of these projects help support the National Energy Policy."
Projects included in the three awards are as follows:
The Nevada State Energy Office, in partnership with the Nevada Bureau of Mines and Geology and the Nevada Division of Minerals, will receive a $99,686 grant to produce a fully relational, on-line database of Nevada geothermal resource information. The state's cost-share will be $92,671. The proposed database will provide detailed, state-wide information to prospective project developers to facilitate decision-making. Areas will be analyzed according to water chemistry and temperature, gradient drill hole data, production well data, cuttings and log availability, leasing and permitting information, geographic data, and geologic data. Areas will be ranked for possible development, and will be divided into two categories: high-temperature resources (primarily for power generation), and low- to moderate-temperature resources for direct use applications. Contact Dave McNeil at the Nevada State Energy Office at (775) 687-4909.
The Utah Geological Survey (UGS) will receive $60,000 to enhance its current effort to summarize geothermal information using geographic information system technology to replace the outdated map published in 1980. The state's cost-share will be $15,000, to be contributed by the Utah Geological Survey, the Office of Energy and Resource Planning, and the Division of Forestry, Fire, and State Lands. The effort will promote development of Utah's significant geothermal resources by including in its database a detailed resource review and economic analysis for specific geothermal areas. Enhancements will include reviews of existing published information plus unpublished data for the state's high- and moderate-temperature geothermal areas in the Sevier, Black Rock, and Escalante Deserts of southwestern Utah, in addition to other promising areas. The UGS will then build an economic evaluation model to assess the development potential of the higher-quality sites, modeling them with respect to capital and operating costs for various types of geothermal power plants, and then will rank them based on the quality of the resource and the economic likelihood of future development. Contact Robert Blackett at the Utah Geological Survey at (435) 865-8139.
The Idaho Department of Water Resources and the Idaho Water Resources Research Institute will receive a $75,000 grant, to be matched by $20,720 of state funds. The two agencies will collaborate to update Idaho's geothermal water resources inventory, evaluate areas in Idaho that have potential for geothermal power generation, and assess prospective district heating and other direct use developments.
Tasks to be performed under the grant include migrating the current geothermal water resources database into Microsoft Access and update the database, generating electronic plot files to be used for producing maps on demand, providing Internet access to Idaho's geothermal water resources, assessing the potential for power generation using geothermal resources, evaluating the potential for new district heating and other direct use projects, and ranking potential power generation and district heating projects. Contact Gerry D. Galinato at the Idaho Department of Water Resources at (208) 327-7963.
|Project Area
|Private-Sector Partners
|Project Location
|FY 2000 DOE Funding
|Total DOE Funding
|Private Funding
|Small-Scale Geothermal Electric
Power Plants
|Empire Energy LLC, Empire, NV
|Empire, NV
|$150,000 prior year money
4 years
|Energy, Inc, Hayward, CA
|Cotton City, NM
|$150,000 prior year money
4 years
|Nilgro Newcastle, Inc., Los Alamos, NM
|Newcastle, UT
|$150,000 prior year money
4 years
|ORMAT International, Inc., Sparks, NV
|Lordsburg, NM
|$150,000 prior year money
4 years
|Vulcan Power Company, Bend, OR
|Radium Springs, NM
|$150,000 prior year money
4 years
|Project Area
|Private-Sector Partners
|Project Location
|FY 2000 DOE Funding
|Total DOE Funding
|Private Funding
|Enhanced Geothermal Systems Technology
|Americulture, Inc., Los Alamos, NM
|Animas Valley, NM
|Funding being awarded through evaluation*
|Drilling, Observation and Sampling of Earth's Continental Crust, Inc., Salt Lake City, UT
|The Geysers, Santa Rosa, CA
|Funding being awarded through evaluation*
|Maurer Engineering, Inc., Houston, TX
|The Geysers, Santa Rosa, CA
|Funding being awarded through evaluation*
|Northern California Power Agency, Middleton, CA
|The Geysers, Santa Rosa, CA
|Funding being awarded through evaluation*
|ORMAT International, Inc., Sparks, NV
|Animas Valley, NM
|Funding being awarded through evaluation*
|Power Engineers, Inc. Hailey, ID
|Roosevelt Hot Springs, UT
|Funding being awarded through evaluation*
|Steamboat Envirosystems, LLC, West Palm Beach, FL
|Reno, NV
|Funding being awarded through evaluation*
|ThermaSource, Inc., and RES Company, Santa Rosa, CA
|The Geysers, Santa Rosa, CA
|Funding being awarded through evaluation*
|University of Utah, Salt Lake City, UT
|The Geysers, Santa Rosa, CA
|Funding being awarded through evaluation*
|*Nine contracts are being evaluated to develop conceptual design for Enhanced Geothermal Systems Technology power plants. Two of the projects will be selected for full final design and installation testing at a cost of approximately $10 million for each project.
|Project Area
|Private-Sector Partners
|Project Location
|FY 2000 DOE Funding
|Total DOE Funding
|Private Funding
|Geothermal Resource Exploration and Definition
|Calpine Siskiyou Geothermal Partners Limited Partnership, Middletown, CA
|Glass Mountain, CA
3 years
|Coso Operating Company of Caithness Resources, Inc., Ridgecreat, CA
|U-boat, NV
3 years
|Mount Wheeler Power Company, Ely, NV
|Rye Patch, NV
3 years
|Noramax Corporation, Carson City, NV
|Blue Mountain, NV
3 years
|ORMAT International, Inc., Sparks, NV, and Lightning Dock Geothermal, Inc., Las Cruces, NM
|Animas Valley, NM
3 years
|SB Geo, Inc.,
Reno, NV
|Steamboat Springs, NV
3 years
|Utah Municipal Power Agency, Spanish Forks, UT
|Cover Fort - Sulphurdale, UT
3 years


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Enjoy the game! Ca-caw!
The Big Red Doodle Book has 100 unfinished drawings of all your favorite characters that you can complete with crayons or markers. The Big Red Doodle Book has the Birds and the Pigs in settings from the game.
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OURAY – In the face of changing weather patterns and projected water scarcity, the City of Ouray has made a bold move, demanding that the Colorado Division of Water Resources retabulate the water rights within its Division 4 (which encompasses Ouray) to protect the municipality from future water calls by downstream agricultural users in Montrose and Delta counties.
If the effort is successful, the city will be immune to another water call from the Uncompahgre Valley Water Users Association and it's M&D Canal, such as the one that took place last summer, City Attorney Kathryn Sellars told the Ouray City Council last week.
The City of Ouray may be much further upstream than the M&D Canal's multiple agricultural users, but proximity to a watershed's headwaters does not factor into the complicated calculus of Colorado water law. What matters most, under the state's prior appropriation doctrine, is who filed and adjudicated their water rights first .
As the Colorado Division of Water Resources puts it: "The essence of a water right is its place in the priority system." And when it comes to priority water rights on the Upper Uncompahgre River, the M&D Canal is the biggest dog in the fight.
Sellars, on behalf of the City of Ouray, argues that back in the 1870s, 80s and 90s when city forefathers started taking (or appropriating) water from the Uncompahgre watershed for what would be considered municipal purposes in today's terminology, the state's water adjudication system was set up in a way that inherently favored agricultural users.
The city's water rights on its municipal source at Weehawken Spring, for example, have appropriation dates as early as 1881, but due to this flawed system, the city was not able to legally adjudicate these rights – or establish them in court – until 1904. The city's most historic water right, on the Radium Ditch and Pipeline, dates back even further – all the way to 1877 – but records show it was not adjudicated until 50 years later, in 1926.
The most senior rights on the M&D Canal, meanwhile, were filed from 1883-1885 and were adjudicated in 1897 – well ahead of Ouray.
Thus the City of Ouray has been forever saddled with junior water rights compared to thirsty downstream irrigators, who are more and more likely to place a call on the city's water supply as that water becomes ever scarcer in future years. This is the basic problem which the city seeks to resolve.
CDWR conducts tabulations of water rights throughout its various districts every two years. Water rights holders have one year from the time of the tabulation to object to a particular determination. The last tabulation of water rights affecting the City of Ouray took place in 2012, and the next one occurs in 2014.
The City of Ouray, through Sellars, intends to file an official objection to the CDWR's 2012 tabulation which enabled the M&D Canal to make a call on the city's water supply last year.
In a position paper sent to to Division 4 Water Engineer Bob Hurford on June 13 outlining this objection, Sellars related the complicated history of water adjudication in Colorado and exposed special circumstances which, she argued, underline several flaws in the system when applied to Ouray.
Central to her argument is the so-called "subordination clause" in the first general adjudication decree in Division 4 in 1888 which "subordinates" agricultural water uses to so-called domestic water use but has been interpreted narrowly so as not to equate "domestic" with modern-day municipal water use.
If CDWR agrees to retabulate Division 4 water to the City of Ouray's favor, the administration number for the municipality's most senior water rights will be tabulated higher than the M&D Canal, thus protecting the city from a future call.
City Administrator Patrick Rondinelli said on Tuesday this week that the city has not yet received an official response from the CDWR regarding the position paper. Next steps could take place within the water court system, he stated in a memo to council.
That may in fact be the city's best recourse, said Jason Ullman, Assistant Division Engineer for CDWR's Division 4.
"They can protest the tabulation. Statute allows them to do that," Ullman allowed. However, he countered, CDWR did not make any mistakes in its most recent tabulation; it was simply following the prior appropriation doctrine as spelled out in Colorado law, and according to the terms of that doctrine, the M&D Canal plainly has senior rights.
"We don't have the authority to tabulate a water right in the way the City of Ouray is asking," Ullman argued. "We have told them we would not oppose them if they filed with the water court to request that the seniority of water rights be clarified, and see what the water court judge says. They really need to take the matter to someone who has the authority to direct us to retabulate."
CDWR's research has not produced any other examples of other Colorado municipalities in the same situation as Ouray.
"It's just the way the priority system was developed in Colorado," Ullman said. "They couldn't foresee this problem back then. It's worked well for over 100 years, but there are some quirks in the system. The point is, we would not file an opposition to their request for retabulation, but the court needs to give its blessing to that. Because there is no other municipality in this situation."
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DhO News
DhO Hacked? Apologies for Precautionary Measures
General Dear All, It appears someone has figured out how to use the DhO as a spam server. Until we can repair or patch or upgrade the DhO to prevent this, certain services have been shut down, including new account creation, requesting password resets, and basically anything that involves the DhO sending emails. Hopefully, all will be well by the end of April. Until then, enjoy what features of the DhO you can access. We are deploying what resources we have to remedy this.
Welcome to the Dharma Overground
The Dharma Overground is a resource for the support of hardcore meditation practice. It is a place where everything related to the support of practice may flourish, including where to go on retreats, what techniques may lead to what, an in depth look at the maps of possible states and stages, discussions about how to determine what experience was what, and in general anything that has to do with actually practicing rather than what typically occurs in standard meditation circles. Here you will find a robust and variable community of people with a wide range of experience levels, perspectives and interests, though all loosely bound by the same basic principles of empowering, helpful, engaged dharma and exploration of the possibilities of the mind.
In general our basic principles and attitudes favor:
There are lots of ways up the mountain, and many interesting skills and insights to develop using many traditions and paths. Make yourself at home. Discover the possibilities of how straightforward, down-to-Earth, and practical the Dharma can be. May all find something here that is of value and contribute to the wisdom represented and conveyed here.
Note well: the culture of open disclosure of practice is rare and requires vigilence to maintain. You are welcome to participate here so long as you help maintain that space in which deep practice can be discussed. If you require a space to discuss deep topics that is more private, the Dharma Underground still exists for this purpose: ask an administrator to join.
Finding your way around this site
In the Discussion area you'll find a robust and active community of members discussing both the theory and practice of meditation with the most recent posts here. You need only sign up for a free account to participate there. If possible, use your real name as your name unless you really need to not be discovered posting on a place like this by someone for whatever reason. This makes things more real-world, which is what this place is about. For those who must remain cloaked behind a pseudonym, this is better than nothing and acceptable.
For information on the basics of how this new site works and many other things, click the FAQ's tab above.
In the Dharma Wiki section you'll find an exposition of the various foundational principles, concepts, teachings, techniques, & maps that are often referenced here on the Dharma Overground. You can read the most Most Recent Wiki Updates. This is an amazing resource for new and seasoned practitioners alike. Finally, if you still don't know what the Dharma Overground is about check out the Frequently Asked Questions.


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I thought I kicked off an inaugural thread but apparently I didn't.
I just finished week 1 of my Challenge - kicked off at I am figuring 24% BF 168#, this morning after my free meal last night weighed it at 162#.
I have physical limitation that keeps me from working out with any real weight or intensity, my days of heading down the road of any serious lifting are long gone but as my weight began to near 170# I was thinking it's time to put it all back together. About that time a friend asked for my help in keeping him accountable for his challenge and figured well let's do it together and then another person jumped in as well. So the pressure is on to practice what I have been preaching on these years and getting it done.
I'd like to make some new friends and be a part of the community again if that is ok with y'all. The positive pressure that comes with being involved is a great motivator for me.
My challenges for the upcoming week are I am on the road. I have picked a hotel with a decent fitness center, a fridge and a microwave so I can keep on track. I know I will be going to dinner with friends and lunch with customers. I don't feel any anxiety about not keeping on track. I know that I can control what I can control and beyond that it is up to God's good graces on the rest. We'll see what happens :)
Dear Jim,
You have many friends here on the Forum because of your good grace in helping us out. Even when I haven't interacted with you directly, I have learned much from reading what you have written to others. One of the things I try to do every day to keep motivated is read a number of Forum entries on different threads. Yours have been among the very best.
It must be frustrating not to be able to work the weights as you did formerly. Maybe that's a gift in disguise to get you to grow in other ways.
However you do it, WELCOME BACK TO FULL TIME BFL!!! You will knock it out of the ballpark!
Thanks Mary I appreciate the kind words. It does get frustrating and very depressing, this challenge is very important to me. My hope is by getting back to the basics like it was when I did my first challenge in 2004 that the basics is all I need to succeed. It worked then when I didn't know what to expect and I really don't know what expect again so I guess we'll find out together.
Jim, congrats on the commitment to yourself. I too had some great results only to slip back after an injury. I am finishing week 10 and plan on starting another challenge when this is complete. I post most of the time on the BFL Warriors thread. Most of us have been together for over 2 years. Feel free to post over there. They are a group of dedicated, motivated people who are not afraid to give you a kick in the tail when needed. Good luck In your challenge. Hope to follow along with you.
cheering for you Jim. You did it once, you can do it again. I am not sure what happened to cause the inability to lift anymore, but suspect it was an injury or surgery. I am very sorry either way. I know it must be very hard. But you will find the way. You can do ALL things through Christ who strenghtens you.
Been a rough week with the passing of a dear, dear friend on Monday morning. Being on the road away from family was tough - quite a struggle to get back home for the funeral from San Diego making for a lot of stress on top of it all. The week wasn't bad from a meal perspective, certainly work outs were way off track. Far from anxious or worried about that, I think if we learn to embrace when things don't go according to plan we become much stronger in our transformations as people who have made a choice to transform our lives and continue to move forward with purpose.
Thanks cuervo2669! Sounds like we in the same boat. Look forward to following you as well.
SorayaRosaria, no doubt about it. I had some discs in my cervical spine get into some nerves that was pretty severe loosing strength and the ability to grip with my right hand and pain like I never experienced before in my shoulders. I was looking at multiple surgeries and the results were going to be life altering. With God's good grace, meds and a genius of a physical therapist those discs are no longer into the nerves, I have been predominately pain free and to have the strength and use of my right arm/hand again just totally rocks no surgery needed at this point. The meds catabolized a lot of my muscle, all in all I lost about 20lbs of it over the couple of years. I don't think the surgeon could believe I bounced back like this.... I can always say, "but God..." thanks for the cheering :)
Can't imagine what you are going through right now, Jim. Losing a dear friend is so difficult, and especially when you are away from family and support. The added stress of trying to get back home must have amplified your grief. Yet you stayed on the eating program. That is AWESOME! Better that you didn't stress yourself out further trying to get the workouts in, and accepted this as a normal part of life. There's plenty of time later for working out, eh?
I can definitely relate to the unimaginable pain of a disk pressing on a nerve. When it happened to me, it was night time. No way to get treatment. I walked in circles through the house for 13 hours because I couldn't sit, kneel or lay down without intnsifying the pain. I was given 2 shots by a surgeon right into the nerve root a week or so apart, and haven't had a single problem since. Thankfully, as you mentioned, no need for surgery which often leads to more surgery. So glad you were able to find relief from meds and a therapist.
Congratulations on bouncing back from the nerve problem as well as you have. Slowly the pain of losing your friend will become more bearable too. Take good care of yourself.
Thanks Mary - my friend is off to a much better place where cancer no more exists, I have so much to be thankful for in knowing him :)
The nerve thing is such a pain lol - glad you got yours workout out. So far I am really happy with what I am able to accomplish and figure slow, smart and steady will win the race I am running.
© Abbott Laboratories,2013


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Office Of Public Affairs
The Office of Public Affairs is responsible for media relations and communications for University of Utah Health Care and University of Utah Health Sciences. Our media relations representatives arrange access for reporters to medical experts and research at the University.
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Gem workers, also known as precious stone workers, fulfill a pivotal role in the jewelry industry. The time-tested craftsmanship that precious stone workers laboriously produce can last for hundreds of years, placing gem workers among the most talented artists of all time. Other interchangeable job titles for gem workers include gemologist and diamond worker.
Gem workers are artists of the highest caliber who carefully create jewels of everlasting beauty through the use of time-honored techniques. But increasingly, modern technology is becoming an indispensable part of a precious stone worker's repertoire. Gem workers learn their craft through traditional apprenticeship programs that educate students about the same wisdom precious stone workers have deployed for millennia.
Similarly, gemology encompasses the science of precious stone formation and care. As such, gemologists closely resemble chemists who have a vast amount of knowledge of the chemical and physical properties of gemstones such as diamonds, rubies, and sapphires. This discipline differs from the field of geology, which encompasses the more general science of the history and formation of the planet.
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As touched upon previously, gem workers are specialized craftsmen who perform all of the duties necessary to create precious stones of everlasting beauty. The duties of gem workers depend on the work environment an individual chooses, but generally speaking, precious stone workers design, cast, cut, set, and polish gems.
The design portion of a precious stone worker's job description encompasses the most difficult aspect to teach. Precious stone workers must use their creativity on a daily basis in order to combine old-fashioned design techniques with the scientific techniques widely used today. This task is no easy feat, and the most successful and talented gemologists have discovered new and inventive ways to apply this creativity.
Cutting and setting stones consists of taking raw, recently mined precious stones and transforming these rocks into the sparkling, expensive items the general public recognizes. To a layman, an uncut gem is essentially unrecognizable when embedded in its rock medium. To gem workers, the same ordinary looking rock can be as exciting as the finished shiny product.
Polishing is another portion of a precious stone worker's duties. Depending upon the scope of an individual's work environment, polishing occurs in large manufacturing facilities or in small retail jewelry shops. In the past, polishing gemstones required mechanical devices, but today, computer-assisted design software gives precious stone workers another tool to use in order to refine gems infinitesimally, removing the most microscopic flaws.
Lastly, a gem worker's job duties may consist of old-fashioned salesmanship. Jewelry shops often employ gem workers to set and polish precious stones and to sell them to customers as well. Eventually, after years of study under a master gemologist, many precious stone workers open retail shops of their own, passing on their skills and knowledge to the next generation of gem workers.
Gem workers come from formal and informal backgrounds; so depending upon the level of technical expertise required to perform job duties, employers may require no formal education at all. The informal route follows the centuries-old apprenticeship model, but these career paths are no longer the norm. In a family-owned business the apprenticeship system allows gem workers to learn the fine details of the job from a master craftsman.
The formal education route follows a course very similar to other artistically focused vocational programs. The best gem schools in Canada and the United States offer both coursework and professional certification. The Gemological Institute of America, the American Gem Society, and the Montreal School of Gemology all offer vocational degrees in gemology.
Other qualities of a gem worker include the ability to work for long hours with very small objects. Patience is the hallmark quality of precious stone workers. Great eyesight is another good quality to possess in the field of gemology, but advances in technology have taken the stress out of locating the smallest gem flaws. Along with technical know-how, old-fashioned salesmanship is an often overlooked quality of the most successful gem workers.
A precious stone worker's work environment largely depends on the scope of a worker's job duties. For instance, precious stone workers who work in major manufacturing facilities may perform only one of the duties mentioned above. One worker may work exclusively on cutting stones from a rock medium, but the next worker may focus just on polishing.
According to the Gemological Institute of America, approximately one-third of all precious stone workers are self-employed. These experienced gem workers have a lifetime of knowledge at their disposal, and many precious stone workers opt to open their own businesses in order to share their talents with the world.
Entry-level gem workers can earn approximately $30,000 a year annually. These figures represent the average of all precious stone workers. Many self-employed gem workers actually earn more than workers employed at a manufacturing facility. The reasons for this disparity have to do with the entrepreneurial focus of the business of gemology as a whole. Once operating a business of their own, gem workers can earn upwards of $50,000 annually, and many lifelong precious stone workers earn much more.
Certificate or Associate's degree required
Shrinking by 9.8% over the next 8 years
$39K Average annual salary


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Packers Ticket Takeover
Who will represent Packers fans on more than 80,000 tickets to a 2014 game at Lambeau Field? It's up to you!
Family Gets the Ride of Their Life
The Fuzie family got the ride of their life on the Tower of Terror at Disneyland California Adventures.
Packers, Edvest Announce NFL Draft Promotion
The Green Bay Packers and Edvest today announced the "Big Apple Giveaway," a sweepstakes that will award a grand prize including a $10,529 Edvest college savings account, a trip for four to New York City to announce the Packers fourth round 2014 NFL Draft pick from the Packers team table on the floor of Radio City Music Hall, and four Green Bay Packers jerseys.
Packers St. Patrick's Day Recipes
Celebrate St. Patrick's Day with Irish-inspired foods like Green Bailey's Irish Cream.
A Great Day to Wear Green
Submit a photo of yourself and your friends, family, kids and pets rocking some green Packers gear, and we may feature it in our St. Patrick's Day "A Pot o' Green and Gold" photo album!
Packers News: Longtime Packers fans in quest for Olympic glory
Curler Erika Brown, short-track speedskater Aly Dudek are Wisconsin natives and football die-hards competing in Sochi. Read more:
The World's Team
From Antarctica to Zimbabwe, Packers fans have sent in photos showing their loyalty from 64 countries and territories. Check out this gallery of fans from every continent, you'll be amazed – we're the world's team and there's a reason we're Packers Everywhere.
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He hated it.
It was, in his words,"The single worst piece of legislation to come out of Congress."
Such was the tone of the 2010 election in Alabama and elsewhere. No Alabama Republican was going to be punished for saying something bad about Obamacare.
Of course, the campaign ended and the times called instead for smart policy from Gov. Bentley, the sort that puts aside ideology and personal biases in favor of doing what's best for his entire state.
Unfortunately, that hasn't happened. Bentley's overheated campaign rhetoric has been matched by anti-Obamacare policies.
Recently, he reiterating his opposition, telling al.com, "My long-term goal is to resist the implementation of the Affordable Care Act and I believe we are going to succeed in that," Bentley said.
That's some goal there, governor.
Had he not resisted Obamacare, Bentley could have helped 300,000 Alabamians gain health insurance by setting up a state-run health exchange and expanding Medicaid. Not only that, he could have paid for almost all of it with federal dollars.
Nope, says the governor, Medicaid is "broken" and thus shouldn't be expanded as Obamacare allows.
In other words, Bentley is willing to let his ideology stand in the way of a policy that was duly passed in Congress, signed by the president, vetted by the Supreme Court and, despite temper tantrums by congressional Republicans, is being rolled-out.
Love it, hate it or feel ambivalent about it, Obamacare is a fact of life.
Consider the words of another governor whose "state ranks among the worst, if not the worst, in almost every major health category, including smoking, cancer deaths, preventable hospitalizations, premature death, heart disease and diabetes."
He writes for The New York Times, "We need big solutions with the potential for transformational change.
"The Affordable Care Act is one of those solutions."
So wrote Gov. Steve Beshear, Kentucky's Democratic governor, of the 308,000 Kentucky residents gaining coverage thanks to Obamacare.
Let's imagine those 300,000 Alabamians Bentley is trying to keep from gaining Obamacare-based coverage. See them overspilling the governor's office. See them marching through the streets of Montgomery. These are hard-working men and women who are one medical hardship away from financial ruin.
We find it difficult to believe the governor, who is a physician and a man of deep religious faith, could look into the faces of the uninsured and deny them something as basic as health insurance.
Could he possibly tell them his "no" is because of a "long-term goal" of resisting "the implementation of the Affordable Care Act?" Is his ideology more important than their personal well-being?
Alabama's past is littered with governors who made it their "long-term goal" to resist one national policy or another, from equal voting rights to integrating public schools to worker rights and so on. We'll remind Bentley that besides ultimately failing to resist the progress of this nation, the legacies of each of these predecessors is weighed down by embarrassing shame.


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Feathery Owl Mask by Creatology™
Material List
- Creatology™ Felt – Black, Orange, Green, Purple or Colors of Choice
- Creatology™ Wiggle Eyes, 40mm
- Feathers
- Dowel Rod, Thin
- Glue Dots® (or Craft Glue)
- Circle Template (or a 2in Lid)
- Scissors
- Pencil
Project Instructions
Step 1 Use a circle template or a cup or lid to trace two 2" circles onto green felt. Cut out with scissors.
Step 2 Place green circles onto purple felt and draw a larger wavy circle around each. Cutout with scissors and glue green felt circles in the center.
Step 3 Glue eyes onto green felt circles.
Step 4 Cut a 1"x1½" triangle from the orange felt for a beak.
Step 5 Lay the eyes and beak onto black felt. Use a pencil to draw around the eyes and extending out at the sides to make the mask base.
Step 6 Choose feathers and glue onto the black felt base. Glue on the beak and eyes.
Step 7 Glue the top portion of a thin dowel rod to one side of the mask.


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The Museum Club meets on Tuesdays from 4:30 to 5:00 p.m. in the Museum's main lobby during the academic year. New members are always welcome!
We are a group of students who share a common interest in and appreciation for museums and art and aim to promote student awareness of the Johnson Museum's vast collections, exhibitions, and resources by organizing and hosting programs and special events that give students the opportunity to visit the Museum during informal and social settings.
We present events "For Students Only" every semester featuring live music, student performances, art activities, scavenger hunts, food, and, of course, art! Our evening events create a social environment in which students can explore the Museum at their own leisure after hours. We also collaborate with other student groups on campus to host events featuring music, poetry, and other performing arts.
The annual Student Arts Showcase welcomes the many artistic talents of Cornell students—visual and performing. Gallery space is devoted to student art of any medium during the spring semester, and a reception features student performers, as individuals and in groups, including singers, dancers, poets, comedians, and more.
To join the Museum Club or to get updates about student events, contact Kari O'Mara at 607-254-4657.


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ORANGE — The staff of St. Mary Catholic School in Orange is ready and eager to inspire the hearts and minds of its students as the new school year begins on Thursday.
Our Community
Inspiring the hearts and minds...
- Our Community
Ready, Set, Hunt....
The City of Orange held its annual Easter egg hunt on Friday morning...
Church invites public to Maundy Thursday service
A Maundy Thursday Service will be held at 7 p.m., Thursday, April 17 at Trinity Baptist Church of Orange.
City of Orange Easter Egg Hunt set for Friday
The Easter Bunny is making a return trip to Orange this Friday....
Clean up a success in West Orange
The City of West Orange held its annual Spring Clean Up this past Saturday and local residents brought thousands of pounds of items, such as appliances, furniture, electronics, debris, wood and more to be disposed of. City employee Ellis Floyd helps resident Estephano Cardenas carry an item to be discarded.
KOCB recognizes City of Orange's Street and Drainage Department as heroes
Deep in the heart of beautiful, downtown Historical Orange lives a magnificent and stately century old Live Oak tree.
BC Chamber announces 'Business of the Month'
The Bridge City Chamber of Commerce recognized Bridge City Lock and Key as its Business of the Month
Shangri La gets first electric car charging station in OC
The movement toward a green world continues at Shangri La.
- Small Business Award winners announced
Creative Upholstery selected as 'Business of the Quarter'
At its monthly Breakfast Connection, the Greater Orange Area Chamber of Commerce presented Creative Upholstery with the Business of the Quarter Award.
Mallorie Holguin receives SMU Multicultural Academic Achievement Award
Mallorie Holguin, of Orange, received the Award of Excellence at the 24th Annual SMU Multicultural Academic Achievement Ceremony.
- More Our Community Headlines
- Ready, Set, Hunt....


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Unedited news and product information from vendors.
ShowStoppers Gears Up Media Stages for Broadcasters, Blogs at Vegas Press Event
Dec 28, 2010 (09:12 AM EST)
CNN, ITN, Slashgear, Techcrunch, CBS Radio, others take 13 studio stages; 4-hours of product intros by 100 companies begin with IFA 2011 preview
AUSTIN, Texas, Dec. 28, 2010 /PRNewswire/ -- Top broadcasters and technology blogs are gearing up to cover the new technology products for work, home and play that industry leaders, innovators, startups and upstarts will introduce at ShowStoppers, the press-only showcase event scheduled for 6 Jan. 2011 in Las Vegas.
(Logo: http://photos.prnewswire.com/prnh/20100427/NY93455LOGO-a)
ShowStoppers @ CES 2011 reserves a record 13 studio stages for global TV news networks CNN and ITN; world-class tech blogs Butterscotch, Slashgear, Techcrunch and Techweb; radio and web newscasters CBS Radio with Larry Magid, Computer America with Craig Crossman, Into Tomorrow with Dave Graveline, AppMinute.com with Sam Levin, Computer Outlook Radio with John Iasulo, and Tech Talk with Craig Peterson; and web broadcaster BNETtv.com.
More than 1,000 journalists, analysts and bloggers are already registered to attend the four-hour, invitation-only event.
The 100 exhibiting companies include, among others, Boxee, Casio, Electronic Arts, General Motors, Hewlett Packard, Intel, Iomega, Lexmark, Logitech, Novatel Wireless, Polaroid, Qualcomm, Real Networks, Skype and Trend Micro.
Special newsbeat areas include gaming, startups, mobile apps, healthcare, audio/video, computers and tablets, digital cameras, printers, software, and iTech.
One hour before the doors to the press event open, ShowStoppers convenes the IFA 2011 preview press conference; ShowStoppers partners with Messe Berlin and gfu to produce the official press event at IFA, the global tradeshow for consumer electronics and home appliances that takes place each September in Berlin.
ShowStoppers @ CES 2011 kicks off a year-long series of press events that includes:
About ShowStoppers
Now in its 18th year, ShowStoppers, http://www.showstoppers.com, is the global leader in producing press and business events. Each event organizes product introductions, sneak previews and demonstrations for hundreds of selected journalists, bloggers, industry and financial analysts, venture capitalists and business executives. Industry leaders, innovators, startups and upstart companies exhibit during the year at ShowStoppers events to help generate news coverage and product reviews, make new connections, promote brand, and open new markets.
ShowStoppers is an independent media event that is produced by and is a registered trademark of ShowStoppers. CES is a trademark of CEA. Showstoppers is not affiliated with CEA.
SOURCE ShowStoppers


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You are already a registered user on SDB.Please enter SHIP ME promo if you have not already used it previously.
Classic Plus are longer than Classic earplugs to fit deeper into the ear canal and provide a higher level of protection. Slow-recovery foam helps ensure comfort and minimize pressure. Bright yellow color provides a quick visual compliance check. Dermatologically safe foam is non-irritating, nonflammable, and moisture-resistant. NRR 33dB. ANSI S3.19-1974; CSA Class AL.
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Hi, I just got a Toshiba Satellite M505 Laptop and I've done a bit of digging but haven't be able to find a comfirmed build of the Mac 10.5 or 10.6 OS on this pc.
I have seen a few tops about how Tohshiba has issues with audio and wireless drivers. However, as long as I can get the OS to install I dont care.
I'm curious if anyone out there would know the best build to use because I know there are a couple of different groups out there who make these. I just don't want to have to go and download each one to find out the third one works, kind of thing.
Also if you know booting options for that build as well to use for this setup that would be great.
Intel Centrino Core 2 Deuo 2.0
Video Adapter Type: Mobile Intel(R) 4 Series Express Chipset Family
4 GB Ram


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3320 NE 33rd St., Fort Lauderdale, FL | Directions 3330826.169002 -80.101507
Mon 6pm-2am, Tues-Thur 11am-2am, Fri & Sat 11am-3am, Sun 3pm-2am.
Neighborhoods: East
Great Music but hard to hear it – It's good to have a place to go almost any night of the week and hear quality jazz. Blue Jean Blues gives you that. There are quality artists and bands playing there almost nightly. Great looking and comfortable club. Good food, friendly and hardworking waitresses and bartenders. My only complaint comes with trying to hear music there when it's packed as it usually is on Fridays and Saturdays. I saw the Andrea Wood Quartet there last Sat. night and really couldn't hear the music very well at all because of the noise coming from the people around the bar. I felt sorry for the singer because the louder she sang, the louder the people talked and laughed to drown her out. Maybe the people sitting up front did not have that problem but there are only a handful of seats there and most were reserved somehow. One of the reviewers below says he has the right to talk while the show is going on and that I should go to a concert hall to hear the music without the extra noise. My reply to that would be that if he isn't interested in the music then why not go someplace with a DJ or no music at all instead of making it difficult for the artists and the people who want to hear them. Overall I still like the place, especially when it's not full. If you really want to listen to some good jazz though get there early and get a seat up front, or else the loudmouths at the bar will ruin it for you.
amazing jazz bar – had a great vibe. cool place,love the music. bar staff was awesome. cant wait to go back again!
Great Place for Music & Really Awesome Pizza – I am from Jersey & I was visiting Ft. Lauderdale and had never been to a Jazz / Blues Bar so I was excited when I saw Blue Jean Blues. I was with a few of my friends and we a woman bartender who was totally awesome and on top of it the Pizza was awesome. I would definitily recommend going to here for a good time!
We had a great time! – The staff is friendly and they have good music. This will for sure be our new local jazz bar. I like that there is no smoking inside. It's like your sitting in your own living room but the only difference is you getting waited on!
Just what we needed since Ohara's closed! – I was able to make it for there grand opening party. They did a great job. The food and music was flowing all night. I recommend the white pizza. uuummmm! It's a great place to listen to good jazz and they even have outside seating!
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Health Savings Account (HSA)
Prepare for the unexpected with tax-deductible contributions, tax-free earnings, and tax-free withdrawals for qualified medical expenses. Pair with a high-deductible health insurance plan to earn a competitive interest rate on your savings today while preparing for tomorrow.
To open your account, contact a State Farm® agent or call State Farm Bank® at 877-SF4-BANK (877-734-2265). Hearing and speech impaired customers, please dial 711.
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- Health Savings Visa® CheckCard available to make qualified purchases, cash withdrawals, or ATM deposits.
State Farm Bank delivers competitive interest rates on a host of checking and savings accounts, low APRs on credit cards, and affordable rates on home and vehicle loans. Enter your ZIP Code below to see the current rates for your area.
Need help planning? Visit our financial calculators.
1 State Farm Bank and its affiliates do not provide tax, investment, or legal advice. Federal and state tax laws are subject to change. If tax, investment, or legal advice is required, please seek the services of a licensed professional.
With our HSA, which works similarly to an interest-bearing checking account, you can pay for qualified medical expenses tax-free, deduct contributions from your income taxes, and accumulate unused funds for expenses in the future.1 With access to your health savings account online, you can even track your payments and contributions easily. This flexible account, combined with a high-deductible health plan (HDHP), is the perfect way to save and pay for medical expenses.
Features and Benefits
- Open your account today with as little as $100, and never worry about a minimum balance fee.
- Save and pay for qualified medical expenses tax-free. (See additional details below.)
- Contributions to your HSA are tax-deductible and may be made by you, your employer, or both.
- Interest earned is not taxed.
- Variable, tiered interest rate is applied and is compounded daily.
- Enjoy the flexibility to use funds for current qualified medical expenses or to save for future needs.
- Carry unused balances forward from year to year.
- This account is FDIC insured.
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- Health Savings Visa CheckCard available to make qualified purchases, cash withdrawals. or ATM deposits2
- Visit our HSA calculator.
Potential Savings with a Health Savings Account
Typical Health Plan
Family deductible: $1,000
Coinsurance: 80% / 20%
Health Plan with an HSA
Family deductible: $5,400
Coinsurance: 100%
|Premium paid:
|Your share of medical care expenses ($1,500 claim and $550 in expenses for dental and vision care):
|+ $1,650
|+ $2,050
|Expenses subtotal:
|= $9,850
|= $7,250
|Tax savings1 on HSA deposits (Assumes a 28% tax bracket on deposit of $5,400):
|+ $0
|+ $1,512
|Tax savings subtotal:
|= $0
|= $1,512
Net expenses
(out-of-pocket minus savings):
|Total net savings with HSA Plan:
|= $4,112
In the above example, the covered medical expenses total $1,500 and non-covered expenses total $550 for dental and vision care. Health insurance premiums vary substantially based on age, geographic location, and other variables. Federal income tax savings qualifications assume that contributions are deducted in calculating federal taxes. Withdrawals for non-qualified expenses prior to the age of Medicare eligibility are subject to a 20% federal tax penalty.
1 State Farm Bank and its affiliates do not provide tax, investment, or legal advice. Federal and state tax laws are subject to change. If tax, investment, or legal advice is required, please seek the services of a licensed professional.
2 Deposits to Health Savings Accounts made at an ATM will only count as current year contributions. With the Health Savings Visa® CheckCard, it is your responsibility to make sure that your withdrawals are for expenses that are qualified medical expenses in order to qualify for tax excludability. You must also maintain records of your medical expenses sufficient to show that the distributions have been made exclusively for qualified medical expenses and that such distributions are, therefore, excludable, from gross income.
Additional HSA Details
An HSA is a tax-exempt trust or a custodial account in which you can save money to pay for future qualified medical expenses. Expenses incurred before your HSA is established aren't considered qualified medical expenses. Qualified medical expenses are explained in IRS Publication 969 and IRS Publication 502. An HSA must be used in conjunction with a high-deductible health plan (HDHP), and any growth in the HSA is tax-deferred.
If you have plans to make a contribution to an HSA and currently have a hospital indemnity policy or plans to purchase one in the future, then you should consult with your tax advisor about the features offered in the hospital indemnity policy and the possible implications of combining such a policy with a HSA.
Qualifications and Contribution Limits
To get the benefits of an HSA, the law requires that the savings account be combined with high-deductible health insurance. High-deductible health insurance costs less than traditional $250- or $500-deductible coverage, because the insurance company doesn't have to process and pay claims for routine, low-dollar medical care.
An HSA can be established by an individual who is:
- Covered by a high-deductible health plan (HDHP);
- Not yet enrolled in Medicare Part A or Part B; and
- Not listed as a dependent on another person's income tax return.
Individuals cannot be covered by any other health plan that provides the same benefits as the high-deductible health plan.
|2013 HSA Limits
|HDHP Min Deductible
|Max out of pocket
|Max Annual Contribution
|Catch-up contributions (55yrs or older)
|2014 HSA Limits
|HDHP Min Deductible
|Max out of pocket
|Max Annual Contribution
|Catch-up contributions (55yrs or older)
Withdrawals for Non-Medical Expenses
Distributions for other than qualified medical expenses prior to age 65 are generally taxable and subject to an additional 20% penalty tax. At age 65, distributions can be withdrawn for non-medical reasons without tax penalty, but federal income tax must be paid on the distributions.
Annual Service Fee
The $25 service fee, which is debited on the first anniversary of the account activation and annually thereafter, will be considered as part of the annual compensation limit. For example, if the participant's maximum contribution is $2,900, he or she will be able to use $2,875 for distribution and $25 will be retained as the service fee. However, the entire $2,900 will still be deductible for federal income tax purposes.
Account Ownership
HSAs are sole owner accounts with the option to list payable on death (POD) beneficiaries and powers of attorney (POA).
Tax Considerations
An individual's contributions are deductible for federal income tax purposes, even if the account beneficiary doesn't itemize. Employees' contributions to an HSA are considered wages, and therefore are subject to FICA taxes. Self-employed individuals are not subject to FICA taxes, but pay self-employment tax instead. An HSA contribution doesn't reduce self-employment tax. Employer contributions are made on a pretax basis and are not subject to employment taxes (e.g., FICA). Investment earnings accumulate tax-deferred and, if used for qualified medical expenses, are received federal income tax-free.
Generally, health insurance premiums are not qualified medical expenses except for the following:
- COBRA insurance
- Qualified long-term care insurance (subject to the dollar limits in Publication 502)
- Health insurance premiums for individuals receiving unemployment compensation
- For individuals age 65 or older, Medicare and retiree health insurance premiums (except for Medicare supplement policy premiums)
Generally, a distribution to pay an HDHP is not a qualified medical expense.
HSA funds cannot be rolled over tax-free into an IRA.
Medical Savings Account (MSA) and Health Savings Account (HSA)
Customers can fund an MSA and HSA concurrently. The HSA contribution limit for the year is reduced by the amount of the MSA contributions made for that year. There is no requirement that one account type be funded before the other. An existing MSA can be rolled into an HSA. Balances in MSAs can be rolled into HSAs on a federal income tax-free basis, but it isn't necessary.
For additional details, consult your financial and/or tax advisor to discuss your specific situation.
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Customer Reviews are designed for our customers to rate their experiences with certain products and services offered by State Farm Bank. Product or service requirements, price, availability and features may vary based on our customer's individual circumstances as well as laws and the product or service contracts, and location. State Farm Bank does not guarantee the accuracy of customer posts. Views and opinions expressed by our customers are for information purposes only and should not be deemed as an endorsement by State Farm Bank.
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1. Morning Meeting. The Youth Advisory Council meets today at 8:45 a.m. The group will gather at Wayland Town Building and the agenda is available online.
2. Noontime Book Group. Been reading "The Funeral Party" by Lyudmila Ulitskaya? Today's the day to join your neighbors and discuss it. The noontime book group will gather at the Wayland Public Library from 12 p.m.-2 p.m.
3. Health Clinic. It's Friday and that means the Parmenter Community Health Center clinic will be offering free blood pressure and blood glucose screenings today.
4. Post on Patch. We're always interested in seeing your announcements and events on Wayland Patch, and it's quick and easy to add them to the site yourself. Talk about instant gratification. Just click "join" in the upper, right-hand corner; create a username and password; and then head to the Events of Announcements section to add your own info.
5. The Day the Grand Canyon was Born. OK, not really. Today is just the anniversary of the day in 1908 when Theodore Roosevelt named the Grand Canyon a national monument. Have you visited there? What did you think? National monument worthy?


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Felty's syndrome
Other Names for this Disease
- Familial Felty's syndrome
- Felty syndrome
- Rheumatoid arthritis, splenomegaly and neutropenia
See Disclaimer regarding information on this site. Some links on this page may take you to organizations outside of the National Institutes of Health.
On this page
Clinical Trials & Research for this Disease
- ClinicalTrials.gov lists trials that are studying or have studied Felty's syndrome. Click on the link to go to ClinicalTrials.gov to read descriptions of these studies.


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Get answers to all of your questions from fellow owners and travelers.
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I have been debating whether routinely to put out a bottle of wine or maybe pre-mixed mai tais, but have hesitated since alcohol seems to be one of those things that a minority might respond negatively to. While I expect anyone should be able to make their own decision whether to enjoy or ignore it, perhaps an alcoholic would find it an unwelcome distraction at best. I'd like to know other owners' thoughts.
Sage, I thought of that as well. Out of the 39 sets of people who stayed last year 4 couples did not believe in drinking. Yet in each case the bottle went missing....I guess with someone they knew or down the drain! Unfortunately I have a family member that is an alcoholic and visits the place a few times a year as well. We hid it the first time but was asked not to do it again as it wasn't real life to this person.
Thank goodness for the internet. I often leave wine as a welcome gift. As I was researching a new tenant, I found her on the internet. She is a recovered alchohlic who teaches yoga as a method to help with abstaining. Major blunder averted.
I used to leave candy, usually local taffy. With the obesity epidemic, I stopped that.
I try hard to learn something of interest about the tenant that I can use to buy an appropriate gift. When all else fails, I get a picture frame with Rehoboth Beach written on it.
It's amazing to me how appreciate my tenants are of the gifts I buy, all priced at $15. or less.
Yes, I've wondered myself whether leaving a bottle of wine could be problematic for some renters. As my property is in Maine, I leave a jar of Maine wild blueberry preserves made by a local company along with a personalized welcome note. I realize that not everyone may like or eat blueberry preserves, but it is not an expensive item and is iconic Maine. If the jar gets thrown out unopened, it's not a big deal. For repeat guests or to compensate a guest for some inconvenience, I give them a gift certificate to a local shop that sells wine, chocolates, and cheese. I decided that I would let them select their own gift!
We have a local store that sells wine, liquor, gourmet foods, etc. I provide our guests with a membership card, along with a note that explains they'll receive a discount ( up to 20%) if they use the card and pay cash. I've gotten many thank yous, AND they always leave the card for our next guests.
We're too far from our VR to provide fresh treats for each guest, but I do like the idea of the handmade soaps. I bet I can find a local artisan who'd provide some ( for a fee, of course) if I include their business card, etc.
When talking with my guests I always ask if there is a special occasion ( birthday, anniversary, etc.) If there is, I have a local florist - a long time pesonal friend- deliver a small floral gift a few hours before our guests arrive, with a note from me. It's waiting for them when they come into the entry hall. THAT"s been a huge hit!
Deb J
the majority of our guests arrive late at night. I always leave a box of macadamia nut chocolates for them (can be bought at Costco for about $2.50/box) that have gone over really well - even if people don't like chocolates, it's nice to have something edible around after a long trip...
I recently found a coffee grower on Molokai (part of Maui county) that sells their beans in small wedding favor sized packs. I just bought 30 of them, I think they're 2 oz packages. We have coffee grinders in our condos, so I have started leaving them also. A nice treat for the first morning coffee, or they can take it home for someone else to enjoy.
I have done the wine thing also (Maui's pineapple wine, anyone?), but do worry about tempting someone who shouldn't.
One guest once asked if I could arrange for a birthday cake on arrival (it was the husband's birthday - but he had a severe nut allergy). I ended up having a nice bouquet of orchids instead, I certainly didn't want to be responsible for an allergic reaction...
We are pet friendly and purchase dog beds for our renters (or at least for their dogs). Discount stores (like Big Lots) sell them for about $12 and they're pretty nice. We even leave a note on the dog bed with the names of the dogs! Doing this helps me too since I get to create an image in my head of the dirty sandy dogs laying on their new bed instead of on my couch!
Usually leave a bottle of wine, couple bottles of water, and couple of non alcoholic drinks in the fridge and maybe some candies on the table and box of cocoa packets next to the microwave. Sometimes they get used, but not always. As for the alcoholic, I hope that if a problem something is said and I'd remove the wine and if said prior to arrival try to have a suitable substitute like a container of local fruit juice. We just had a new neighbor move in that brought a professional coffee roaster with them. I'm hoping for some sort of arrangement using neighborhood coffee once they get settled.
In addition to supplying the essentials (water, coffee etc.) it can be a good idea to supply an item that is unique to your area, whether that is type of cake or sweet. Monitor what is used as you could be wasting budget on items that aren't appreciated (alcohol).
Your soaps are extremely attractive and fun! All the VRs in our area used to leave a bottle of local rum and a six-pack of Coke for guests - the parents could have a rum and coke and the kids could have a soda. However, with changing tastes and some of the issues named above, it was decided not to continue that. Now we have a gift of an inexpensive house-personalized grocery sack and a small soft cooler which holds 4 cans of soda for the beach. People seem to like and use these.
Thank you for your compliment on the soaps. They are really easy and fun to make. Something my wife and I can do together.
We offer cold bottled water, coffee, tea, hot chocolate and microwave popcorn. We always have a 6 pack of beer, usually Corona or Heinken, a quart of orange juice, 4 cans of V-8, along with two mason jars of raspberry zinger, and tangerine orange sun tea, and a small watermelon. The guests all mentioned this on their reviews, happy to see the treats we left for them. Many didn't touch some of the items yet thoughtfully included listing them in their reviews. I love the homemade soaps and leaving chocolate for our guests. I plan to switch things up and try different things. One thing we now do, after a guest leaves, we do take a peek to see if there was a certain wine or beer, drink of food they brought with them and note it on their account for the next time they might stay with us. This is our first season, renting our guest cottage and it has been fun and successful!
A very nice welcome amenity! It looks great and thoughtfully composed. They must love it.
This is so cool! Thank you for all the great ideas. We do supply coffee and I have found it funny that people seem to not realize that and buy their own instead. I think I might personalize it and leave it out with a note or something.
Really like the idea of getting travel size sunscreen. We are on the lake and our guests will spend most of their time outside, and I know how often I forget my sunscreen on trips!
This is our first full year so we haven't experienced holiday renting yet. I am planning to fix up a nice welcome gift for anyone renting during Thanksgiving or other holidays - most likely something gourmet like jams, cocoa, etc.
I also like the idea of leaving nuts - we personally love nuts - but you mentioned nut allergies..so possibly not. Since this is Texas - maybe some good ol' fashioned homemade salsa?
I just opened my lakefront apartment for short term renting this past summer. I print coffee mugs with the nautical chart of the lake with my logo for the guests to take home. That way, they have a little reminder of their vacation with an interesting graphic to look at. For returning guests, I'm considering coozies.
How much would these cost?
Check out Vistaprint. Their customer service can be really poor, but usually their products are good quality at the best price one is likely to find. Discounts are readily available on Vistaprint products, and it appears you may be able to get printed mugs for as little as $5 each if buying a lot of 100. Check the online coupons at http://www.retailmenot.com/view/vistaprint.com
VistaPrint.com is a good online site to order customized items with your name & logo.
Also...don't forget Cafe Press at www.CafePress.com for customization.
Love this mug! Where did you source it? A terrific idea!
Great idea, thank you. I just ordered a bunch of mugs on www.discountmugs.com. I bought 144 of them at $2 a piece so I hope that is a good price and I also hope more importantly that the quality is really good. I will follow up when I receive them with a report.
Looks great! Thanks for sharing...like the fact that you placed your property # on the mug. Thanks again for sharing!
Thanks for sharing, Doug. Please let us know what you think of the quality when you get them.
We have only one short season under our belt, but are going into our second full season and are just finishing up our second vacation home. Last year we left a bottle of wine, 2 bottles of water, 2 sodas, 2 Heineken, quart of orange juice, coffees, teas, biscotti and popcorn. We also have robes. I would like to give them something this year for them to take home reminding them of their stay. I like the cup idea.
Just ordered some small sand dollar soap molds on line ( our cottage's name is the Sand Dollar Cottage). They were very inexpensive, and I can either make magnets, using polymer, or make small soaps to give to our guests as "thank you" mementoes. Thanks for the great idea!!
We also leave a bottle of wine, but many of our guests have children, so the milk and OJ are probably the most appreciated, particularliy because most of our guests come straight from the airport, and somethings at odd hours and off long flights.
I read of many owners leaving wine. Is there a legal risk to be considered here? What if your renters are underdage, drink the wine, and get into an accident? Will you be sued?
We don't rent to underage. Children MUST be accompanied by responsible adult. We do hope that parents we rent to are responsible parents.
Sent from my iPad (3rd Gen) with Aloha
Please visit vacation.ninolehawaii.com
You are absolutely correct, there are legal ramifications.
BUT, how many people rent to underage young adults? Our minimum age to rent is 25 just like the car companies.
Interesting. How do you verify age? It would seem intrusive to ask guests
for proof of age.
We always ask for copy of drivers license. We use the address on the license to return the security deposit also.
SML, I paid $2 a piece for 144 cups done on both sides from discountmugs.com. I did have to pay a $50 set up fee and $100 shipping. I notice Zazzle prices would be $12.95 per cup comparing apples to apples. I do not know what Zazzle set up or shipping is so maybe that is where the difference catches up!?
They both look great, guys. I'll have to look into this myself.
Hi Doug....There is NO setup fee and shipping is free. The more you order the more the price per piece comes down. Comes down to about $8 a mug to your door. The quality is a lot better in terms of the actual cup and graphics than discountmugs which I used before on some other business stuff and there really is no comparison. But then again it is over double the cost so it should be.
Very nice!!!
we purchased cases of water and printed our own labels which we adhered to the water bottles. We left two bottles of water in each bedroom as well as 6 bottles in the fridge all with labels saying:
compliments of Hampton House Properties
with our logo, phone # and website address.
We send out personalized beach theme Christmas Ornaments.....This year is a resin sand dollar with "Myrtle Beach Memories 2012" embossed on it. They seem to love them and it also reminds them to call and book for the coming season!
That is a great idea. What is the cost associated with those?
I think they were about 2.25 each which I thought was awesome with the personalization. I got them through a wedding favor online store! People seem to appreciate you remembering them during the holidays and they really like getting a beachy item in the middle of winter!
They sound fantastic. Would you mind taking a pic and showing so we can get some ideas?
Thank you,
Would be glad too once they arrive! Should be later this week!
Thank you Sheila, cant wait to see them.
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Season 2013/14
On this day: 17 August
- Posted by Nicola McCarthy
Looking back through the history books for the events, signings and memorable matches that happened on this day in City's history.
Monday 17 August 1992
Sky TV's first live Monday night football game sees City take on QPR at Maine Road.
Fireworks and cheerleaders greet the players as they run out for a match that also sees the banning of the back pass to the goalkeeper.
Tony Coton appears to forget the rule and picks up a back pass early on in the game, though the referee allows play to continue. The game ends 1-1.


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Living Awards Benefit
One of Methodist Le Bonheur Healthcare's most important events, the Living Awards Benefit, was held this year on Thursday evening, August 15, 2013, at The Peabody Hotel. It was a special evening as we once again honored individuals and community organizations doing outstanding work in the realm of faith and health locally, nationally and even globally.
2013 recipients are (l-r): Salvation Army Major Ron Busroe, Salvation Army Area Commander Jon Rich, MIFA Executive Director Sally Heinz; Eddie Grigg, T. Carter Towne, M.D., Edwin Barnett, and Robert W. Riikola, M.D., F.A.A.P.
2013 Living Awards Honorees were:
Individual Inspiration in Faith & Health
Eddie Grigg
Edwin W. Barnett
Physician Inspiration in Faith & Health
T. Carter Towne, M.D.
Robert K. Riikola, M.D.
Community Inspiration in Faith & Health
MIFA – Metropolitan Inter-Faith Association
National/International Inspiration in Faith & Health
The Salvation Army
Individual tickets for the Living Awards are $100 and tables of ten are $1,000. To purchase tickets for next year's Living Awards, call the Methodist Healthcare Foundation at 516-0500.
For opportunities to sponsor the 2014 Living Awards Benefit, please contact Bob Plunk at 901.516.0502.


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Michael Essien has offered an insight into the talents of his compatriot Christian Atsu, who signed for the Blues from Porto shortly before the closure of the transfer window, and has since completed a season-long loan move to Vitesse Arnhem.
Essien, who returned to the international fold last weekend following a lengthy absence, believes Atsu has all the attributes required to become a top player, and praised the 21-year-old's attitude.
'I've known Christian for a little while now, and I saw him when we met up with the national team recently,' he tells the official Chelsea website. 'He's a level-headed boy, a very good player and hopefully he will do well for Chelsea in the future.
'He is a winger who plays mainly on the right-hand side although he is left-footed, so he likes to cut inside, and he is quite quick as well. He is only young but already you can see he has an eye for goal.
'For a young player he is already quite experienced because he played a few matches for Porto in last season's Champions League. The loan move should be good for him as hopefully it will allow him to play more regular first team football.'
On a personal note, Essien is yet to feature in a competitive match for the Blues since returning from his loan spell at Real Madrid last season, where he worked under the guidance of Jose Mourinho.
Having suffered in the past with injuries, however, the powerful midfielder is feeling the benefits of a full pre-season campaign, and is looking forward to assisting his team-mates when called upon by a manager he knows so well.
'I'm feeling very sharp and fit,' he says. 'I haven't missed a single training session since we came back for pre-season so I feel good.
'I'm just waiting for an opportunity, and as soon as the manager needs me I'm ready to help the team.'


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The Brother HL 8050N is a compact and affordable non-color laser printer for a office environment or workgroup. This printer can produce up to a notable 30 pages per minute with resolutions up to 1200 x 1200 dpi. It features an LCD Display, a USB drive, and fast Ethernet interfacing for simple set up and recognition from computers anywhere in the home or office. The toner cartridges for Brother will create crisp, clear black text with laser precision. And with its compact size this printer will be able to fit in anywhere in the office. The printer will be able to produce a phenomenal amount of printouts being able to handle approximately 150,000 sheets per month.
The Brother HL 8050N toner cartridges also contain Thermal monochrome pigment technology making printouts resistant to water and smudging allowing users to handle projects immediately after printed. The printer can also print directly onto envelopes and a variety of presentation paper to give projects a professional look. Additionally, the printer contains a significant sized paper tray, being able to hold up to 700 sheets. The Brother HL 8050N also allows multiple peripheral devices to be connected to the printer. And with a manual bypass paper feed, printing directly onto a variety of media becomes effortless.
To help lower operating costs, discount toner replacements are available in Compatible cartridges. For individual purchase you can get the Brother Compatible TN1700 Black toner cartridge. Also offered are the original manufactured cartridges in the Genuine Brother TN700 Black toner cartridge. Each Compatible cartridge will meet or exceed the original equipment manufactured cartridges, yielding up to 17,000 printouts.