In addition to paying a monthly premium for insurance coverage, millions of individuals must also meet expensive deductibles and co-pays before their plan will start kicking in. Once the deductible is met, co-insurance kicks in till you reach the max out of pocket. At that point you will have nearly 100% coverage. Most plans will still have some co-pay for doctors visits and prescriptions. Take the example of a 50 year-old man who earns about $32,000 per year. This man purchases a health insurance plan through the private marketplace and ends up spending about 28% of his monthly income if he reaches max out of pocket for the year. This includes premiums, deductibles, co-payments and prescriptions (and other forms of cost-sharing.) He must continue to make these payments until he reaches his plan’s out-of-pocket maximum, something that relatively few people who have health insurance ever do.
Keeping this story in mind, you may be wondering whether it is worth it at all to even have health insurance. After all, the tax penalty can be less than paying all of those premiums and out-of-pocket costs. The tax penalty for 2015 is $325 per adult or 2% of income. While it may seem like forgoing an insurance plan is the right decision if you are looking to save money, it will probably end up costing you money in the long run. And more significantly, shorten your life span. While some health insurance plans have high deductibles and require you to pay a copayment when you receive treatment, plan deductibles and out-of-pocket maximums will be significantly lower than the total cost of certain treatments if you were to get them while uninsured.
Think about this – if you have a chronic illness for which you receive weekly or monthly treatment, your healthcare costs will add up very quickly. CDC, centers for disease control, “as of 2012, about half of all adults – 117 million people – had one or more chronic conditions. One out of four adults had two or more chronic health conditions. Seven of the top 10 causes of death in 2010 were chronic diseases.
Well, do you feel lucky? If you are young, you are probably still feeling invincible. Client Mike contracted Lymphoblastic Leukemia and had 1.6 million in claims in 2014.
If you do not suffer from a serious illness yourself, you probably know someone who has. Do you know anyone who has cancer? Or diabetes? Or cystic fibrosis? People with serious diseases like this often pay exorbitant costs for medical care, if they don’t have insurance. According to NerdWallet.com, one in five Americans struggle to pay for medical bills each year. In fact, 1.7 million Americans declare bankruptcy each year due to their inability to pay medical bills – this figure outnumbers bankruptcies from credit card bills and unpaid mortgages. If you have health insurance your maximum yearly cost is between $6,250 and $6600 each year. This by itself will not force bankruptcies for most people.
Although health insurance has become more readily available with the passing of the Affordable Care Act, there are still millions of Americans who struggle to pay their medical bills. According to a survey conducted by the U.S. Government, out-of-pocket healthcare expenses reached an average of $3,301 per year per household, a sum that is up from $2,500 in 2009. What many consumers do not realize is that they have some control over their out-of-pocket expenses. While the plan may require you to pay a certain copayment and to meet a deductible before they start offering coverage, there are several things you can do to reduce your out-of-pocket costs after that point.
• The best thing you can do to reduce your out-of-pocket costs is to take control of your health insurance plan:
• Understand your plan benefits to make sure that you get the treatment you need without paying extra for it. Make sure that the doctor you see is within the network.
• Take advantage of Free Preventive Care
• Get referrals for specialist visits, if your plan requires them. Even if you are required to stay within a particular network, you still have some freedom to choose a provider.
• If you know that you need a particular treatment or service, do some research to find out the details of what is involved in that treatment and find a provider that will offer you the lowest price.
• Even after you choose a provider, you still have some options to lower your out-of-pocket costs even more. Speak to your provider (or the billing office) about negotiating the price of your bill. Medical providers offer deep discounts for health insurance companies, so they may do the same for you? See if you can negotiate a discount for paying upfront or for paying in cash. If you can’t cover the total cost of services out-of-pocket at once, ask about setting up a payment plan. Most providers are happy to offer their patients a payment plan if it means they will make regular payments.
• Consumerism. Get the best value. Compare doctor grade with specific cost. Tools like the FH Consumer Cost Lookup and Healthcare Bluebook allow you to look up the average price in your area for certain procedures so you can shop around for the lowest price.
• Shop around for the best prescription prices – do not just assume that your local pharmacy has the lowest rate. Go for generics when possible and ask your pharmacist what the cash price would be for prescriptions and compare it to the rate you get with your insurance. Consider Walmart, Target, Walgreens, Sam’s and other discount outlets. Consider Rx by mail.
• Look at telemedicine. Some carriers have this option within their plans. Stand alone options are increasing in supply to fill current needs. Over 70% of ER, Urgent Care, and Doctors visits can be handled safely and effectively over the phone.
• Take control of your health. Ask yourself – am I in shape? Could I be in better shape? Do I follow a healthy diet? What can I do to become healthier? Think about it – the healthier you are, the less medical care you will need and the lower your medical bills will be. If you stay healthy, you also spend less time away from work, which is lost money.
• Consider and compare the purchase of HSA qualified health plan with current plan. HSA plans are eligible for tax free contributions. Interest earnings are tax free. Employers and owners of account are eligible to contribute to the account.
• Healthcare-specific line of credit. You may be able to get a payment length up to 18 months with no interest or a term up to 60 months with interest.
• Go to dentist and get your teeth cleaned. Oral health is a window to your overall health.
• Work with your health insurance agent to confirm carrier bills are correct. Ask them to review for accuracy. Yes, providers make mistakes. Insurance carriers make mistakes.
Taking control of your health insurance plan is the best way to reduce your out-of-pocket costs and it starts with choosing the right plan. There are many different health plans available to choose from. Select the one that provides the coverage you need at a price you can afford. Before you buy a plan, make sure to think about what kind of treatments you expect to receive throughout the year so you can make sure that you will be covered. The more you know about your plan before you select it, and the better you understand how to use it, the less you will have to worry about out-of-pocket costs.
Distributed by NetJumps International
Company Name: The Lynn Company
Contact Person: Terry Denesha
Country: United States


Supercars champion Scott McLaughlin has produced another impressive display behind the wheel in IndyCar testing, finishing third fastest.
The DJR Team Penske ace was one of 27 drivers to take part in Wednesday's test run, local time, at the Circuit of the Americas in Texas.
The session was topped by experienced Australian Will Power with a one minute and 46.7603 second fastest lap but McLaughlin's best was just half a second off his Penske teammate's mark.
This year's Supercars championship is looking increasingly like it will be McLaughlin's last in Australia before a move to America.
While the 26-year-old will return to Australia to begin his title defence at the season opening Adelaide 500 next week, the Texas practice run was important ahead of his IndyCar series debut at the Indianapolis Grand Prix in May.
"It's hard on your neck and body," McLaughlin said of the open-wheel racer.
"I've been training really hard to get ready for it. I'm really happy with the car so far.
"I felt really comfortable and my seat position is really good. That's ideal because I'm not going to have many times in the car before the Indianapolis Grand Prix."


About Morehouse Healthcare
Our mission is to provide excellent quality, multidisciplinary healthcare to the community.
You can depend on Morehouse Healthcare to be your main source of wellness, healthy living, and preventive health education.
Morehouse Healthcare physicians are world-renowned for their clinical expertise and compassion in serving diverse populations. This site is designed to help you access their care as conveniently as possible. Whether you are looking for a specific physician or clinical service, or need an appointment, you can experience healthcare at its highest level right here.
A Passion for Caring... A Commitment to Community
Since its founding in 1975, Morehouse School of Medicine has looked to provide quality medical care to diverse populations throughout Georgia. In 1985 that dream came true with the establishment of Morehouse Medical Associates, Inc.
Today, Morehouse Medical Associates has re-emerged as Morehouse Healthcare and is comprised of more than 100 practicing physicians. All of our physicians are full-time clinical faculty at Morehouse School of Medicine with residents and medical students as an extension of our practice. The integration of our practice with Morehouse School of Medicine residents and students maximizes the healthcare we provide and grants an academic advantage exclusive to the next generation of physicians.
The physicians at Morehouse Healthcare provide medical support to nearly every major hospital and clinic in Atlanta, GA.
Morehouse Healthcare is one of the largest physician groups in Georgia and one of the state’s premier primary care and multi-specialty medical practices. Morehouse Healthcare's focus continues to be providing quality medical care to Atlanta's multi-cultural community.
Recognized for Patient-Centered Medical Home Care
In 2018, the National Committee for Quality Assurance (NCQA) announced that Morehouse Healthcare received NCQA Patient-Centered Medical Home (PCMH) Recognition for using evidence-based, patient-centered processes that focus on highly coordinated care and long‐term participative relationships.


All-Weather Floor Mats | Tesla Model 3
- CUSTOM-MADE FOR YOUR TESLA - Created especially for Tesla Model 3 2017 2018 2019 2020, our all-weather floor mats are designed to keep your interiors clean and pristine. Keep your prized car looking good as new!
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Enta Township deals with expensive month
ETNA – Despite an expensive month of July when bills outpaced income by nearly 4-to-1, Etna Township Fiscal Officer Walter Rogers said the township remains on good financial footing.
Rogers told the trustees that July income stood at $21,694 but expenses totaled $89,292. Despite the amount of cashing flowing out of the township’s checking account, the township closed the books on the month with a balance of $1,826,000.
“We were hit with some repair bills,” Rogers said about the cash flow. An aging hydraulic backhoe cost between $2,000 and $2,500 in unexpected repairs, he said. Rogers advised the Township Board that the trustees should prepare to spend money “on aging equipment at the township garage before the year ends.”
Rogers said summertime is when the township road crew embarks on major highway work such as tile re-placement and patching asphalt. The township also purchases a lot of gravel to deal with road repairs in the warm months, he said.
Rogers said even without unanticipated repair bills, the township typically endures a stagnant period in mid-summer in terms of income. Very little comes to the township in terms of tax collections in July, which will pick up later in the summer when the next collection of real estate taxes is dispersed by the Licking County auditor’s office, he said.
The township’s $1.8-million balance will be cut in half when the township must pay its share of the Taylor/Palmer Road Improvement Project. That cost is expected to be around $900,000. The township has known about that expenditure for several years and has made contingencies in the general fund to deal with it. The project is currently in the pre-construction phase of right-of-way purchases and engineering. Construction is expected to begin next spring.


A great deal to the dismay of numerous video game gamers everywhere, Sony has nonetheless to reveal how the new Playstation 5 console will look. However, to present a tease for what is to appear, they did just release the photographs and specs for the controller of their up coming-gen console. And it was properly worthy of the hold out. This marks Sony’s departure from its common controller structure principle in its more than 25-yr background of PlayStation consoles.
Read Also: 50 %-Lifetime: Alyx Devs Confronted with ‘Bugs’ That Turned Out to Be Just Tall Check Gamers Game Applied to Have Crowbars
Introducing the PlayStation 5 DualSense
In accordance to Sony’s modern web site submit, the gaming organization has started out to ship their new controllers in its final style and design, and they needed everybody in the PlayStation neighborhood to have a to start with search at the DualSense wireless controller.
They also needed every person to have an understanding of their vision for the new controller that, according to them, will captivate additional of the players’ senses as they interact with digital worlds by many PS5 games that will get there quickly.
“When PS4 released in 2013, the DualShock 4 wireless controller garnered a good deal of optimistic suggestions from avid gamers and developers for remaining the ideal PlayStation controller yet, and for introducing ahead-on the lookout options like the Share button,” Sony wrote in their web site submit. ‘This brought us to the upcoming concern – how do we build on that achievements?”
They also decided to keep facets of the DualShock 4 that players loved. At the exact time, they extra new features while also refining the layout of the controller. They added haptic feedback which permits the players to come to feel impressive sensations when they play.
They have also integrated adaptive triggers into the L2 and R2 buttons so you can truly feel the stress in each individual action you choose, like when you push a motor vehicle by mud or attract a bow to shoot an arrow.
The DualSense will also have an built-in microphone — a very first for Sony’s controllers with a USB-C port. When it comes to the share button, it has been renamed to the “develop button,” which will make it possible for gamers to share their outstanding gameplay information with everybody.
New hues for PS5 controllers for the initially time at any time
Sony’s controllers have traditionally been a one color. This time, they have long gone in a unique course and made the decision to redesign it with a two-toned color, in addition to a gentle bar now sits as each individual side of the contact pad which adds a sleek appear to the consol.
In accordance to Sony, “we went as a result of several ideas and hundreds of mockups more than the previous handful of years ahead of we settled on this last style. DualSense has been examined by a vast range of players with a wide variety of hand measurements, in get for us to achieve the convenience level we needed, with wonderful ergonomics. Our purpose with DualSense is to give avid gamers the emotion of becoming transported into the game globe as shortly as they open up the box.”
The aim is to make all gamers to sense as if the controller is an extension of their system each time they play.
Read Also: Could Following-Gen Games be Ported on Nintendo Change? Developer Thinks So Furthermore Nintendo Lite Change Bundle Deals with Animal Crossing is Listed here


Poptropica: Forgotten Islands
- App Store Info
Description-Please be aware of the supported devices. Poptropica is not configured to run on iPhone 3GS and some problems may occur.
-Contains bug fixes and optimizations for reported crashes.
**NOTE TO PARENTS: This app includes the entire game content for Poptropica: Forgotten Islands. Does not contain in-app purchases.**
Poptropica, the #1 virtual world for kids, debuts on iPhone and iPad with a brand new adventure!
Climb aboard your almighty blimp and explore the vast, uncharted island chains of Poptropica. Steer clear of hazards and discover exotic islands beneath the clouds.
Take to the islands and embark on quests, discovering the secrets of Poptropica’s past one artifact at a time. It’s up to you to uncover the truth and prevent a shadowy force from destroying this precious history forever!
• A never-before-seen Poptropica experience built from the ground up for iPhone and iPad
• Up to 10 hours of kid-friendly adventure gameplay
• Over 80 characters to interact with
• Customize your character with over 100 unlockable costumes and accessories
• Unlock blimp parts to reach new areas (no in-app purchases required)
• New lore revealing the unexplained origins of Poptropica.
• All new touchscreen mini-events: dig for secrets, combine items, and mix potions with taps and swipes
NOTICE: Poptropica: Forgotten Islands, is not supported on the iPhone 3GS, iPod 3 or iPad 1st Gen
If you have any feedback, please email us at [email protected]
What's New in Version 1.5.0After all the recent holiday updates, we bring you back to the much loved original icon! We've also thrown in a new costume and a few new items for you to go adventuring with!
Dress-up your character however you wish and continue your adventures!


Here it is. My last 10 on 10. I’m thankful for doing this project and being included in the circle of so many wonderful photographers. Thank you for the inspiration! So here we go: my last 10 on 10 is the first day of summer vacation. It was a little chilly, but the sun was shining and we decided to visit our favorite park. We began with a picnic.
Grab another cup of coffee and check out the amazingly talented Jessica Lewis of Jess Lewis Photography!
Please click through to see the lovely Catherine Giroux and her 10 on 10 for April!
This month’s 10 on 10 caught me off guard. The hours and days and weeks have been flying by lately and I could have sworn I had another day or two before the 10th. Not so. I remembered (got the FB reminder from our group) while sitting at the animal clinic with our sad pup.
Our Saturday took an unexpected turn when our dog tried to dig his way through a rotted tree trunk to catch a chipmunk. Chipmunks might be his undoing. He loves them so…or at least he loves the chase. He’s doing very well…although he’s none to happy with the bandage. Taken with my iPhone.
See? 48 hours ago this was spotless. The pile is growing. It morphs into a life of its own at an exponential rate. Within the pile: matchbox cars, Skipbo, a Dr. Seuss hat, finger painting, art work from school, mail, tissue paper with stickers, orange felt used for a mushroom costume, a homemade placemat, and a lightbulb. And a dog leash. My children are convinced that all of these items are essential. There’s a big part of me that agrees with them. I just wish I could contain it better.
One of my favorite ladies is up next! Head on over to see Jessica Lewis and her 10 on 10!
Like most everyone else I know, we’ve had a bad go of it with the flu germs this season. Still sniffling here. Today was glorious, though. We decided to get outside and make the most of it! Also, we got a dog a few weeks ago and we’re absolutely smitten.
We arrived home to find an invitation to The Sticker Club (insert ooooh and aaaah) from his cousin. The delight of a 5 & 7 yr old….the prospect of 36stickers arriving in our mailbox over the next month! He read the entire letter with such enthusiasm!
Have you ever had one of those days where you feel like you shot all day long and you’re CERTAIN you captured tons and tons of good moments….only to arrive home and discover….nada? That’s my 10 on 10 this month. I thought I had a good mix, but when I began processing, I realized I captured lots o’photos of the same thing.
Made our way to the Butler basketball game later that day. These two have been going to BU games together since they were toddlers. I’m fairly certain this is the first year they sat still and watched the game. Lots of popcorn was consumed….
Head over to the ever amazing Catherine Giroux and her 10 on 10….
I love coming down our staircase to this every morning during the holidays.
This ornament was made from my grandmother’s pillowcase. And in the evening, a return to my city…my home….and the whimsy of the season on every corner.And now continue the 10 on 10 cheer with Jessica!
Congratulations Dylan & Kim! And now head on over to check out the fabulous Tiffani!
I shot this month’s 10 on 10 whilst traveling to Toronto to visit a few awesome ladies.
arriving in Toronto
Now head on over to check out the ever talented Catherine Giroux and her October 10 on 10….
September’s 10 on 10 was captured on Kodak Portra 400 35mm film sooc.
The morning began with domestic obligation.
We recently purchased a globe and it’s prompted all sorts of conversation. Additionally, it looks lovely in the morning sunlight on the kid’s table.
File this under: Things I’m Going to Miss When the Kids Get Older (Hot Wheels cars EVERYWHERE)…also, ignore how dirty those windows are. I’ve shamed my mother terribly. What can I say? We’ve been doing more important things…
Family puzzles….also known as How We Spend Our Sunday Mornings
What Remains: Glitter Love
As seen on the street whilst running errands…
Garden Center Bliss…I came home with three new plants and am absolutely delighted!!
Foodie: A farm stand will stop me in my tracks every. single. time.
I came home to this: My son using the mower for the first time and proclaiming, “THIS IS AWESOME!!!!” (yes our lawn was really THAT long…don’t judge)
And there you have it…a day in the life! Up next…the one and only….Tiffani!
This 10 on 10 is all film (sooc). We were all over the city on this day with meetings and much promised side trips for the kids. A good blend of work and play!
The day began in the backyard.
Savored the sprinkles at the local donut shop (I made a promise days ago).
Showed a little love to the new independent bookstore in our city.
Bought tickets for the Soldiers & Sailors Monument on the circle and played with the Diana F+ red scale film 120mm. The monument takes you WAAAY up high to lookout over the city. The kids were enthralled…aaaand we discovered my son may have a fear of heights.
On the street.
Pre-meeting. The kids are incredibly patient with sitting through my work meetings. Dry erase boards and the iPad are key.
Homeward bound. Reflections. She caught my eye.
This was our day. Work and play and life all blending into one. I’m thankful my kids have been able to tag along as much as possible this summer. There can be a lot of chaos involved, but a lot of good shared experiences as well. And I always love the street…always, always. [Nikon F4 Kodak Portra 400, IlFord 400] [Diana F+ Red Scale 120mm]
And you know what else I love? This lady! Go check her out!!


The Bombay High Court has admitted for final hearing an appeal filed by the Pakistani singer Adnan Sami against the family court's order which asked him to hand over five flats in the suburban Andheri to his former wife Sabah Galadari and to pay her a sum of Rs 6.40 crore.
Adnan Sami. File Pic
Galadari has filed a matrimonial suit in the family court, claiming a compensation from Sami. She has also sought possession of the flats, saying that Sami had gifted them to her in 2008. Sami filed the appeal last month, following which the High Court had stayed the family court's order till June 10.
As the High Court admitted Sami's appeal -- it would come up for final hearing now -- yesterday, the division bench of Justices Vijaya Tahilramani and Ajay Gadkari also extended the stay for ten weeks, while asking Galadari to file a reply.
The family court on April 5 had ordered Sami to pay Galadari Rs 5.3 crore towards repayment of the money she had given him between 2007-08, Rs 1 crore as a domestic violence compensation, Rs 10 lakh as belated `mehr' and Rs 1 lakh for litigation costs. The court had also asked the singer to hand over his five flats in Lokhandwala area of suburban Andheri to Galadari.
Sami's lawyer, advocate Ranbir Singh, argued that the family court did not appreciate the legal effect of the order of the Enforcement Directorate against him, holding that Sami had no legal title and hence no legal authority to gift the suit property (the flats).
ED had objected to Sami's purchase of property in India without RBI's permission, he being a foreign national. Sami and Galadari married in 2001 and got divorced in 2004. They re-married in 2007, and again got divorced in 2012.


Many of you know my music, but did you also know I moonlight as a girl detective?
Yes, as a feminist, I have a little trouble with the term “girl detective” too—but it has a ring to it that “empowered woman investigator” just doesn’t. The award-winning lyricist in me can’t object to that.
Kitty Curran and Larissa Zageris (who head up the lady co-Watson division of my squad) need your help! They have chronicled one of my favorite detective adventures in their first graphic novella, Taylor Swift: Girl Detective and The Secrets of The Starbucks Lovers.
This gorgeously illustrated tale depicts the hilarious (and high fashion) hijinks that ensue when my colleague in crushing it, Lorde, and I take on the case of a struggling actress receiving threatening messages on her skinny mochas. Set against the glamorous backdrop of New York City (and even Brooklyn) there is no shortage of intrigue, love interests, sisterhood, and Starbucks jokes in this slim, attractive volume.
Which is why Kitty and Larissa need you to help them fund its publication by contributing to this clue.
Did I say clue?
I meant Kickstarter.
Sorry, I just came back from solving The Case of the Jellybean Ruby and writing a single about it for my next album with Lorde. I'm torn between calling it "Meddling Kids" or simply "Lorde and Taylor."
While I decide, you follow your heart... right on over to the pledge button. And, since donating is worthy of a catchy hit pop song and an accompanying Vevo-record-shattering music video, check out the different rewards you can receive for backing at different levels, too.
Now I'm off to Cape Cod to solve a mystery in a "haunted" beach mansion. I bet you all my "Bad Blood" money the only thing haunting that place is a broke heiress's even broker half-brother. You know how these things go.
Thank you for your support! We're nothing without our fans and our fans are nothing without YOU.
Your favorite Pop Star/Girl Detective
P.S. Follow my further adventures on the Taylor Swift: Girl Detective tumblr!
P.P.S. Kitty and Larissa would like to make clear that this has not been endorsed by either Taylor Swift or Starbucks in any way. You know chroniclers, they're the nervous types. It's why I never take them on adventures.
Here's the sneakiest of sneak peeks of Taylor Swift: Girl Detective and The Secrets of The Starbucks Lovers—straight from my case files:
Because when someone helps you crack a case, it is important to make it worth their while. Investigate what you could get by pledging...
By pledging the respectable sum of $5, you will receive a charmingly high-tech PDF of the book. PDFs are truly the modern-day equivalent of scooby snacks for the discerning Spunky Pet of a Meddling Kid.
Meddling Kids who pledge $15 will receive a PDF of the book as well as a physical copy of the book. Real books are excellent for reading while wearing something stylish in public, as well as for storing folded-up pages of handwritten lyrics, polaroid photographs, and clearly forged wills.
UPDATE: The Meddling Kid level is now available in a 2 and 3 book version! Now you can receive multiple copies of the book—perfect for giving to a suspect to distract them while you rifle through their handbag.
Junior Detectives pledging $20 will not only receive a PDF and physical copy of the book, but a set of 5 of postcards illustrated with scenes from The Secrets of the Starbucks Lovers as well.
These postcards are most ideal for covertly taking down license plate numbers, or dropping a line to your gentleman friend who is always off at college when you are having adventures.
UPDATE: The Junior Detective level is now available in a 2 and 3 book reward version! Receive the postcards, plus multiple copies of the book to send to your gentleman friend so he doesn't get too lonely while you are off solving mysteries.
Backers at the Gumshoe level will enjoy a PDF and physical copy of the book, set of postcards, and three limited-edition stickers featuring intrigue, pop stardom, and the stiffest of skinny caramel lattes.
These vinyl stickers are tough enough to take on anything life throws at them—just like you.
UPDATE: The Gumshoe level is now available in a 2 and 3 book reward version! Receive the postcards, stickers, plus multiple copies of the book. Feel free to leave a copy on the desk of the local grizzled police chief, with a wry note about how they could do with some pointers now you've cracked the case.
Top Sleuths need something attractive to pin to their evidence boards to offset all their hard-won clues and hunches. Backers at this level will find just the ticket: a full-color art print of The Secrets of the Starbucks Lovers cover.
Easy, Top Sleuth! You’ll also receive your PDF, physical copy of the book, sticker set, and postcards. You have a hard time keeping your passion in line, maverick—but that passion is just what this job needs.
UPDATE: The Top Sleuth level is now available in a 2 and 3 book reward version! Receive the postcards, stickers, print, plus multiple copies of the book. Keep a copy for yourself, and then give one to your estranged sister as a conciliatory gift. You know it's been a long time, and you parted on bad terms... but they are the only one you can trust.
You’re not a cop.
You’re an Ace Detective.
Throw your PDF, physical copy of the book, postcards, stickers, and art print in your limited-edition Taylor Swift: Girl Detective crest tote.
Great for hauling around evidence and clues, it also accessorizes perfectly with your haunted, world-weary air.*
*Sexual tension with brooding, chip-on-his-shoulder partner not included.
UPDATE: The Ace Detective level is now available in a 2 and 3 book reward version! Receive the postcards, stickers, print, and tote bag, plus multiple copies of the book. You can use them to start a book club at the precinct to distract yourselves from all the grizzly cases you are investigating.
Into each generation, a slayer is born.
You are not that slayer.
You are a Girl Detective—which, let’s face it, is better. You make your own hours, you wear better clothes, and the potential for your love interests is only eclipsed by the potential for your #squadgoals. Backers at this level will receive the full run of goodies, plus an exclusive piece of original digital art made just for you by the illustrator of all my capers, Kitty Curran.
Choose any art style, and any subject, with a maximum of two figures in the image. Artwork will be made to your dimensions of choice and emailed to you with a small file for sharing on social media and a large high quality file should you wish to print.
Risks and challenges
Taylor Swift: Girl Detective is fully written and illustrated, and just needs funding to print and ship! We have based our goal on the print quote that gave the speediest timeline combined with the quality we want in order to minimize the wait time for our backers.
So, provided there is no nefarious second-cousin who is in line to inherit and would stop at nothing to get his hands on our funds, we are confident that we will get your rewards to you as quickly as possible.Learn about accountability on Kickstarter
- (30 days)


- Guaranteed by the Department of Veterans Affairs
- Borrower must be a current or former member of the military
- Receive a Certificate of Eligibility
- Loan amount determined by the Entitlement found on Certificate
VA Funding Fee
- Similar to FHA UFMIP
- 2.15% for initial loan, active duty
- 2.4% for initial loan, reserve
- 3.3% for refinancing, active duty and reserves
- No monthly MI; 100% of the value
Download VA forms
Request for Certificate of Eligibility
Nearest Living Relative Statement
- FHA Loans are Loans made by typical lenders, but INSURED by the federal government through FHA. FHA loans are only allowed on owner occupied, primary residences and carry two types of mortgage insurance.
- UFMIP – Up Front Mortgage Insurance Premium is 2.25% of the base loan amount.
- Monthly mortgage insurance – .5% of the loan amount annually for LTV’s of 95% or less and .55% for other LTV’s on loan terms greater than 15 years.
- For mortgages with terms greater than 15 years, mortgage insurance is mandatory regardless of the LTV.
- Borrower must carry mortgage insurance for at least 5 years. Once 5 years have lapsed, and the LTV reaches 78%, MI will be dropped.
- Debt to income ratios for FHA loans are:
- 31% Front end debt ratio
- 43% Back end debt ratio
- Maximum LTV for FHA loans is 96.5%


The L.A. Times posted an article on the their site earlier this month that details the misconceptions of sun exposure. The article cited a survey conducted by the American Academy of Dermatology, showcasing what we believe to be true and/or false about the sun’s rays.
As the summer approaches and we seek the "healthy glow" only a day at the beach can provided, we might think twice about what we are thought to believe is attractive and healthy. Tainted by the stigma of a growing number of skin cancer sufferers, what we think to be true about what is good and bad for our skin may need to be reexamined entirely. The cited survey “found that 72 percent of respondents find tanned skin more attractive than pale skin, while 66 percent said a tan provides a healthy glow. In addition, 60 percent were under the mistaken impression that sun exposure is good for one’s health.”
Other misconceptions about tanning include:
• 37 percent mistakenly believe that indoor tanning beds are safer than outdoor sun exposure
• 40 percent aren’t aware that burns and tans during childhood are linked to skin cancer in adults
• 52 percent think a base tan protects the skin from further sun exposure, even though it doesn’t
• 65 percent don’t realize that all UV rays are harmful for skin
The survey presents a growing ignorance to the harmful effects of the sun on our skin, not only in adulthood but irreparable damage from childhood. A ranking published on the America Academy of Dermatology’s website detailed the smartest cities in the U.S. based on their knowledge or "sun smarts." Hartford, Conn. found its way to the number one spot followed by cities like Salt Lake City, Denver, and Tampa. Phoenix, Ariz. was number six on the list. The survey was based on questions testing each city’s “attitudes and behaviors toward preventing and detecting skin cancer.”
Skin cancer is the most prevalent form of cancer in the United States, so chances are it has or will affect someone we know. Educate yourself and the people around you on how to protect your skin.


Carlos Carvalhal said the Owls executed their game plan to perfection as they beat Huddersfield 1-0 at the John Smith’s Stadium.
The game was fairly even until midway in the second half, when mounting pressure from Wednesday ended with Terriers midfielder Rajiv Van La Parra handballing in his own area from a Tom Lees shot.
Fernando Forestieri stepped up and calmly struck the ball past goalkeeper Danny Ward into the top corner to give the away side the lead.
Wednesday saw the game out to get three crucial points in what was Huddersfield’s first home defeat of the season.
Carvalhal said: “Today we played against a very strong team.
“They have a good dynamic and they cause a lot of problems to all the teams they play.
“However, we had plenty of time to prepare the game and learn how to play against Huddersfield.
“We worked very hard and everybody defended, including the strikers, and we blocked their dynamic.
“We put in a lot of work in the training so that we didn’t come up against any surprises today.
“Today was a victory of quality.
“People ask me a lot about the partnerships in our team, but I don’t agree with this, because there’s only one partnership that matters, and that is Sheffield Wednesday as a whole.”


Well, on another forum I frequent, a comrade posted the following trip report. I feel it is interesting enough to start a new thread, rather than necro post.
I ordered in an ounce of d. spinosa foliage and three grams of 10x extract about two weeks ago, curious about a plant with reputedly salvia-like effects and such little information available.
Initially, I just tried smoking it, to reasonably good effect (strong stoning feeling, after a good bit, even a dissociative-like effect at higher amounts reminiscent of glaucine), but said dissociative effects were very short lived so elected to try a tea.
I brewed the remaining 3/4 or so of the ounce of foliage I had left for about twenty minutes, then strained off the plant matter and boiled the liquid down to a black, pungent decoction and drank about half of it. Effects didn't begin to manifest for about twenty minutes, and at first I experienced only a mild stoning effect even less pronounced than smoking. Over the course of the next hour, the effects gradually increased, but as they did I began to notice uncomfortable flushing, involuntary muscle spasms, nystagmus, and nausea, which all increased slowly to unbearable levels and were soon accompanied by diarrhea and tachycardia that makes an overdose of IV meth seem tame. I laid on the couch for five hours praying for it stop and considering calling an ambulance in between spells of hypnagogic weirdness, which seemed to reflect the comic books I had been reading that day (kept exploring slightly different realities, in each of which I was some sort of bizarro-Iron Man and there was some child and his family in a lab on a space station that I had something to do with and he was some sort of Messiah... pretty inane stuff, tbh, although it at least would have been amusing save for the feeling that I was being punished for the collective sins of humanity). I have no interest in trying again, ever. Perhaps smoked, as the unpleasant side effects never seemed to manifest with this route (perhaps the heat destroys the cytotoxic spinosides present in the plant?).
Anyway, goes to show why jumping blindly into an herb with unknown pharmcalogical action and practically no information or trip reports at all is never a good idea. If you're interested in trying, I definitely recommend sticking to smoking. It's nearly twenty four hours after I dosed and I still feel like toasted shit.
Ooooooooooo.... Later he said:
It didn't seem anticholinergic in the least, though. I blame the toxic effects on the spinosides, but from whence the dreamlike qualities stem I've no idea.
Any thoughts? Did anything come of the linked thread?


The latest entry into the Pantheon on crazy good Craigslist ads comes from Dallas, and it's for a 1987 Mercedes-Benz SEL 560.
So why should you spend $2,750 on a 27-year-old car with more than 220,000 miles on the odometer?
Here are some choice quotes from the ad, edited for profanity:
Yes, it was awesome. . . and this one still is. Why? Because it is a 27-year old vintage road-treasure that has seen four presidents, the invention of Al Gore's Internet and the rise, fall and death of Kurt Cobain. It's old enough to vote, get an MBA and Botox, travel around Europe and move out of its parents' garage. It also has about 237,000 original miles. I say 'about' since the speedometer stopped working at 222,060 miles -- but why should you care? Because that's the mother-f---ing distance to the MOON! Yes. This car has basically been driven to and PAST the freaking moon -- THE ONE IN SPACE.
On drive quality:
I have personally driven this car from San Diego to Dallas on an almost non-stop road trip. The steering wheel is big, fluid and offers just enough resistance and connection to the road to give you the impression that you are not only in charge of the car, but also of your entire life's destiny.Driving it for any distance is empowering and can make you feel you can go anywhere. In fact, this car has plowed effortlessly through Death Valley, dodged falling rocks in Arizona, stared into the depth's of the Grand Canyon and climbed mountainous icy hills in Colorado.
One of the most outstanding features of this car is that it starts -- anytime, anywhere. Whether it's 105* or -5*, F the car's engine turns over and roars to life with one simple twist of the key. There's no fumbling, cranking, pumping the pedal, stalling or waiting for the zombies to come and kill you. Fact: This car would NEVER be featured as a get-away-car in a zombie horror film because it would get you away from whatever is trying to eat, dissolve, melt, vaporize, mate, shoot or kill you.
On air conditioning:
On this particular model, the AC works as long as you fill it with Freon each and every freaking summer. Alternatively, I'd suggest dressing cool and opening up the huge sunroof to let God's air cool you down.Seersucker is a very cool fabric and a dripping of timeless style AND it looks smashing with this car. During the winter, prepare to warm the flesh off your buns with the seat warmers, which are tucked underneath the blue, aged leather seats.
Here's the car in question:
Read the full listing on Craigslist.


This week we caught up with Brighton fanatic Will Miles, he’s been chatting all things Brighton and having his say on how he reckons the Seagulls will fair this season. Will is not only an Albion supporter but is also a semi-professional footballer himself. During his youth playing-career he has represented various squads throughout Sussex and Brighton which has led him to now represent the Burgess Hill first-team as Vice-Captain.
How did you come to be a Seagulls supporter and how long have you supported the Albion?
I’ve supported Brighton ever since I can remember to be honest, I’ve always lived right next to the Withdean (their old ground) so have been brought up watching the Seagulls.
What do you do to keep yourself busy aside from watching the Albion?
At the minute I’m playing for Burgess Hill which is great but means I miss a lot of the Albion’s matches as I play on Saturdays too. That’s been the only shame about playing at this level is that the two do tend to clash. I do try to get to as many games as possible where I can, I’ve still managed a lot of midweek games and always make sure I catch at least the highlights on tv when I get back in from playing myself on a Saturday.
So what are your hopes for your season with Burgess Hill?
I think after last season the aim first and foremost has got to be be staying in the league. However, I do think we’ve got the ability to push on and achieve a top half finish.
What do you make of the Albion’s start?
Yeah it’s been great. After the disappointing end to last season it was important we put that disappointment behind us, which to be fair it looks like they have! It’s now important we kick on and establish ourselves as promotion candidates.
Do you think they can sustain a promotion challenge?
I’m confident yes. You only have to look at the quality of the players we have in depth to give you hope! Injuries are inevitable for all clubs, but, I do think Brighton are one of few teams who have cover in most positions. The depth in the squad should see the Albion sustain their promotion challenge.
Which game are you most looking forward to this season and why?
It was Newcastle away and to be honest I was slightly disappointed. I think games like Saturday have been a reoccurring problem with the Albion. When it comes to the big games we don’t tend to have enough which I think is down to a mental weakness. When we have the ambition to reach the Premier League it’s imperative to do more than just compete, it’s in these games you really need to put down a marker of your promotion credentials.
Which away day would you recommend to other Seagulls fans?
There’s plenty of great stadiums in the league and the fans are brilliant everywhere you go. Again Newcastle would of been a good one to tick off the list. Villa was brilliant when we went there a few years ago and would recommend to any supporter to go there.
Who are Albion’s key men gonna be this year?
Gaining promotion is all about a huge group effort. This year every individual is going to have to play a part and that’s all down to Hughton who has done brilliantly in getting places in the squad and in the team so competitive.
If you had to call it now where will the Seagulls finish?
My heart is telling me automatic is doable but realistically I think the play-offs beckon once more. Anything outside of that I think everyone will be disappointed.
Who else do you fancy to do well in the Championship?
Spending 45m Newcastle are strong contenders, especially if they keep performing like they did on Saturday. Out the rest of the bunch Villa are also going to be strong. It’s going to be an interesting season because as we all know in the Championship every game is a tough one and anyone can beat anyone.
With just a day until the transfer window shuts what’s Chris Hughton’s biggest priority?
Personally I won’t be disappointed if he doesn’t bring anyone in. I think the squad is strong enough to be very competitive and I’m quite happy with it at the minute.
We would like to thank Will for his time and to wish him and all at both Burgess Hill and the Albion the best of luck for the season ahead!
If just watching the Seagulls isn’t enough for you why not pop down to Leylands Park home of Burgess Hill Football Club to see Will and the lads in action. Tickets are available on the door for all games and are usually £10 or less, if you really wanna get involved with the club you can also purchase a supporters membership or take advantage of their very reasonably priced season tickets which are available for only £139.99 for the season for adults.
The Hillians kick off their FA Cup Qualifying campaign this Saturday at home to Ashford United in a 3pm KO. It only takes 15 mins from Brighton station via train to get to Burgess Hill so why not take full advantage of the Seagulls week off by going to see the other club on your doorstep. Up the Hillians!
The Albion are next in action on Saturday 10 September at home to Brentwood in a 3pm KO. Do you agree with Will over his thoughts on the Albion’s season ahead?


Allen West: Obama's Delay of Keystone XL Pipeline is "Pathetic"
|Rep. Allen West|
According to the State Department, a more thorough analysis of some of the issues regarding the pipeline -- chiefly the environmental issues of running it through the Sand Hills in Nebraska -- would put the project back up for consideration in 2013.
In West's opinion, that's "pathetic."
"Campaigner-in-Chief is at it again, this time denying America a positive step towards achieving energy independence," West says. "The President's decision to delay further study of the Keystone XL oil sands project is an indicator that American jobs, restoring our economy, and our national security is not as important as his personal self-interest and that of radical environmentalists.....pathetic."
Nebraska Gov. Dave Heineman, a Republican, reportedly called the Legislature into a special session over the projected path through the state's Sand Hills and asked the Obama administration to deny the permit for the project.
Here's how the State Department explained the problem with running the pipeline through the area:
The comments were consistent with the information in the final Environmental Impact Statement (EIS) about the unique combination of characteristics in the Sand Hills (which includes a high concentration of wetlands of special concern, a sensitive ecosystem, and extensive areas of very shallow groundwater) and provided additional context and information about those characteristics. The concern about the proposed route's impact on the Sand Hills of Nebraska has increased significantly over time, and has resulted in the Nebraska legislature convening a special session to consider the issue.
A statement from the White House says President Obama supported the decision and added that the "final decision should be guided by an open, transparent process that is informed by the best available science and the voices of the American people."
It doesn't appear as if West and his supporters approve of the "pathetic" decision.
After West posted his comments on his Facebook page, one supporter asked, "And WHEN are the ones we PAY in washington going to STOP the terrorist in the oval office???"
Follow The Pulp on Facebook and on Twitter: @ThePulpBPB. Follow Matthew Hendley on Facebook and on Twitter: @MatthewHendley.


We had the best tour club adventure to date! The group met and had a tour of Hoffer’s Tropic Life Pets. I wasn’t sure what to expect, but I figured fish. Few pet stores seem to have anything but birds and fish these days. I was wrong – very wrong! This pet store had alligators, chinchillas, rats, mice, hamsters, fish, sting rays, snakes, hedgehogs, etc. The best part is they even let the kids hold and touch a ton of animals – chinchilla, hedgehog, snake, rats, bearded dragon, and a turtle. Alex loved it (and I just quietly stepped back “to take a picture” when the snake came out)!
Wade said no more painting in the shower a while ago (and he cleans the bathroom so he makes the rules). Today was nice enough that Alex could paint outside. Of course, then he immediately abandoned the paper and painted his foot. (The water hose came out next – see here.)


FLINT — On Oct. 3, beginning at 6 p.m., at the iconic Capitol Theatre, 140 E 2nd St, a local filmmaker will be debuting three films featuring several community members, all with stories of trials and redemption. The event is complementary and open to the public.
“As a filmmaker, it is a privilege to convey real life stories of compassion, strength, pain, perseverance and love, the same characteristics that resound throughout our community. There are so many stories among us that embrace the goodness in our society and the support from the people of Genesee County, “ said Nicole Bowers Wallace, director/writer/ producer, NBW Films.
The three documentaries are as follows:
Miracle Makeover Documentary
The mission of a community of volunteers to renovate a historic Clio home for a family that has persevered through the diagnosis and treatment of two children with cancer.
Legacy of Love Documentary
Three Grand Blanc mothers share their heartfelt journey after the unexpected loss of their children and the community support in celebrating their memories.
Ring of Silence Extended Trailer
A community stands together to fund and support a feature film to educate parents and teens about the dangers of Sex Trafficking in suburb America.
Additionally, photographer Dan White will be closing his portrait exhibition entitled, Folks of Flint . . . A Tribute. The exhibition portrays the people beyond the national headlines, the heroic faces of men, women and children who have shaped Flint’s past and reflect its future.
“I wanted to do something that would help the community where I grew up,” said White, a Flint-born-and-raised photographer, now living and working from his studio in Kansas City, Missouri.
“When I came home to Flint, so much of the focus was on the dirty water, that I shifted my lens to the people,” said White.
The evening is sponsored by ELGA Credit Union. Complementary tickets are available at The Whiting Box Office while the supply last.
“ELGA Credit Union is delighted to sponsor this amazing evening, demonstrating the miracles that can happen when you trust in God and call on your community for support,” said Karen Church, CEO of ELGA Credit Union.
Complementary Tickets: Whiting Box Office. Box office hours: Monday- Friday 9 a.m.-5 p.m. 1241 E. Kearsley St., Flint. Details: Call 810-237-7337. — G.G.


Mayor de Blasio said he plans to be on the subway "non-stop" to hammer home the MTA's responsibility to fix the beleaguered system, as he balks at a push for the city to pick up half the tab.
"The MTA has to take responsibility for its own actions. The state of New York has to take responsibility for the fact that it took almost half a billion dollars from the MTA," de Blasio said in an appearance on Hot 97 Wednesday morning. "It's very simple. Put that money back. Give it to the MTA where it was supposed to go all along. And that takes care of (MTA Chairman Joe) Lhota's immediate needs."
Since 2011, the state has moved $456 million from the MTA to other accounts.
Lhota rolled out on Tuesday a $836 million plan to stabilize the delay-plagued subways, which includes fixing signals, dispatching teams to accelerate track repairs, and ramping up inspections of subway cars. He said the state, which runs the MTA, and the city should evenly split the cost, more than half of which is for day to day operating expenses, and called de Blasio's comments "silly."
"The Governor has stepped up and agreed to be partner in addressing the problem, and it's time for the mayor be a part of the solution as well," Lhota said.
The mayor, who once dismissed riding the subway as "cheap symbolism," has more recently changed his tune.
"I think this plan has a lot of the right stuff in it," he said Wednesday of Lhota's blueprint. "I'm going to be out there non-stop in the subways reminding the MTA that they have to fulfill their obligations to fix the problem."
Cuomo and Lhota last week dusted off old statutes that say the city is by law solely responsible for the MTA's capital needs, even though the MTA is state controlled and has been a key source of funding for the agency's long-term repairs and megaprojects — a theory disputed by most experts.
But Lhota stepped back from that strategy Tuesday, saying he wanted to work with the mayor and was willing to listen to his concerns about inefficiencies at the agency.
Despite the mayor's penny pinching on transit, Lhota said Wednesday at his first MTA board meeting as the new chairman that he's still confident the city, state and MTA need to help New Yorkers who rely on the subway.
"I still think there's a need for partnership between the city and state to come to the aid of the riders, the people of the city of the New York, the constituents that they have," Lhota said. "I'm optimistic that something can happen from that."
The Transport Workers Union Local 100 joined the funding fray Wednesday with a six-figure TV and print ad blitz to cajole the mayor into putting up the money for Lhota's subway turnaround plan.
The print ad tells de Blasio — sitting on a mound of money and MetroCards — to "get off your cash" and give the MTA money from a $4 billion budget surplus.
"Gov. Cuomo stepped up, committing to fund 50% of this plan. But where is Mayor de Blasio? Playing politics with our commute," the TV ad's narrator says.
De Blasio spokesman Austin Finan said the ad ignores an "important fact that city riders aren't going to look past — the state has siphoned from the MTA the exact dollar amount the MTA is seeking in additional operating costs. "It's imperative the state return those funds to riders," he said.
Meanwhile, during the mayor's radio interview with Hot 97, host Ebro Darden offered a theory to explain the "doodoo flying around" and blame shifting by the state about the subway crisis: "They're doing this specifically to you because you and Cuomo have issues," he said. "You're running for re-election, and they're trying to make this blow up in your face."
De Blasio didn't go quite that far, but suggested Cuomo did want to duck blame for a thorny problem.
"It's real simple when you're responsible for something to try and distract from your responsibility," he said. "It's much more about the inconvenience politically of actually owning up to responsibility. That's what we've seen in these last weeks, people trying to evade their responsibilities."
De Blasio disputed the contention that it would be good for the city to step up and chip in money even if it's not required to.
"I don't think it is good to give city money away," he said at a Long Island City press conference. "It's about what's fair for New York City and our taxpayers. So the plan is a good start, the money is there. I'm not going to see almost half a billion in money that was meant for the MTA diverted away from it and stay silent about it. That's not fair to NYC subway riders, it's not fair to NYC taxpayers."


Today at Chapel Dr. West talked about friends/friendship. It got me thinking Josiah. Josiah is my best friend in the guy form. haha. It made me think about how we met and who would have thought almost 4 years later I would still be friends with him. First off let me explain how we met.
Most of you know what happened to me those years so I am shortening the story.
High School not my favorite 4 years spent on this Earth. Well 9th grade wasn't bad. However by the end of 10th and into the 11th grade. School was not where I wanted to be 8 hours of the day. I had it all in 9th grade. Great friends, great self esteem, the works. It all came crashing down with a boy. My best friend at the time decided to believe her boyfriend at the time about a certain subject who she only known four months to me her best friend of 6th grade. Then the lies and rumors happened. People chose to believe them and I was devastated. I was on the verge of committing suicide at one point because I did not have anyone it felt like. My self esteem went out the window. I even almost transferred schools senior year because I was so fed up. I finally decided it only one more year I can do this. That decision changed my life.
I was in band in high school. I had a love/hate relationship with it. I was in all guy section being one of two girls with 15-20 guys. You kind of have to stick up for yourself and have tough skin. Well one day there this guy who was watching us do sets and I was like who is that? It did not look like veteran or someone I knew. So after that I introduced myself I was like "Hi I'm Kaitlyn and you are?" He said back "I'm Josiah and I'm new here." It made me laugh the way he said it I don't know why but it did. I hadn't laughed in awhile so I was so happy. The more we talked we realized we had a lot of things in common. Every day we talked and talked. We even got lockers next to each other even though he never used it. We got parking spots next to each other which he did use. He then became my best guy friend. School came and went the summer came.
That summer was great. There was not a day besides when I was in Costa Rica that we did not talk or text. It was so hard leaving him when I went off to college. I almost thought I would never see him or talk to him again because most of my guy friends had used me to get girls I was friends with. I knew he was not that way at all.
Here we are almost 4 years later and still best friends. We text all most every day at least or every other day. There are a few things I want to say to you Josiah because I know you read these blogs. hehe.
I am so proud of you!!! Well you already know that. Going to school and full time job I commend/proud of you!! I am also proud of you telling your testimoney in May!! Thank you so much for being here with me through thick and thin. I don't know where I would be without you these past 4 years. From you encouraging me, making me laugh, being the brother I never had, looking out for me, keeping me on the straight and narrow path, plus more. To what you will be doing in the future stalking my first boyfriends/husband (once I get him of course), coming to graduation (which I am holding you to buddy, you promised), etc. You have come so far since I met you. Your relationship with Christ is one I pray my future husband has. I can't wait to see the future has for our friendship. You will be Uncle Josiah when I have kids. There's so much I can say to you. I love your hugs they make everything better. Even though we don't see each a lot it feels like we pick up where we left off. You are one amazing man Josiah and whoever is lucky to have you as her husband is a very lucky girl. I pray for her every day. Well that's all for now.


Posted by Reedy Fork Organic Farm on 11/16/2011 to News
"We really had such a wonderful time at the Sustainable Agriculture Conference. We met so many wonderful, interesting people - those really interested in growing and eating healthier food. Meeting so many likeminded people was a pleasure - and an encouragement, too. Several times we were asked, ""What does 'grass fed' mean?"" and ""What does organic mean?"" We never get tired of talking about that subject - so we were glad to share! We also were asked a lot about what makes our feed different from others. It was great to have Jeff Mattocks from Fertrell with us to help field some of those queries. He has such a wealth of knowledge - and is just an all around nice guy. There were an awful lot of farmers at the conference, too. They mainly wanted to know about our prices and ingredients. They also wanted to know if we grow our own grain. (We'll answer questions in an upcoming blog post - so stay tuned.) To make the conference more fun, we held two drawings. Stacey C won a 50 pound bag of chicken feed from Reedy Fork Farm, and Jennifer C won a $20 gift certificate from Fertrell minerals! One of the people we 'met' at the conference was an old acquaintance. It was Clay Smith, who runs Red Bud Organic Produce farm in Burlington. Turns out he used to live right across the street from Cherry - and his niece babysat Taylor when he was a little guy! We're thrilled to find another organic produce farm nearby. They definitely have another customer! We welcome all of those who are our news Facebook 'fans' and all of those who joined our newsletter. It was great to meet you - and we look forward to working with you to make sure your animals get the very best feed. If you have any questions, contact us! PS By the way, during the conference, our newsletter got a new name: ""The Reedy Fork Farm 'Feed'"". If you've not signed up for our newsletter, you can do so here. "


The DCM Institute is proud to present two days of inspiration, unique learnings in community leadership, focused technical and soft skill development, professional development and networking.
The VILLAGE SUMMIT will deliver:
- A high intensity two-day forum focused on Village Managers and HO support
- Extension on existing learnings and skills
- Leadership skills and personal development
- Leadership experts showcasing the soft skills of leading people and communities
- A comprehensive review of ‘regulations’ – how they are changing the business of retirement villages and the skills required
- Mastering the 8 Point Plan, the Code of Conduct and Accreditation
- Technology and retirement villages: efficiencies, care support, compliance
- Property and assets management
- Sales and marketing skills and the bottom line impact
- A deep briefing on the retirement village sector and its exciting growth future
- Insight into the current and future expectations of residents
- A foundation for ongoing professional development and career advancement
- Networking opportunities with peers and leaders at every level of the sector
With 25 leading speakers to inspire and learn from, this is an opportunity not to be missed.


Minimally Disruptive Research: A Respectful Approach to Conducting Clinical Studies
2017 SOCRA Annual Conference
Sara Dick, MS, CCRP, Research Protocol Specialist, Mayo Clinic
The design and conduct of clinical studies must achieve the research goals while minimizing the work allocated to participants (clinicians and patients). Research must impose the smallest positive footprint on clinical care activities. We have come to call this, Minimally Disruptive Research. Our adherence to this new standard requires participants (both patients and clinicians) as research partners to engage with investigators at every step of the research process to ensure that all procedures result in CAREFUL and KIND Research.


In Part 1, we examined the initial part of the process that Lending Club goes through when we have the occasion of a loan that does not pay on time. We looked at the Grace Period and the Early Late period and some corresponding tips on how to manage our loan portfolios at these stages.
Late Period Days 31-120
While the generic 'Late Period' encompasses all lates from 31 to 120 days past due, there are some severe differences for our portfolio. Here is how the periods break out and what we need to pay attention to at these periods.
In this period, there is escalating action where one of the 6 collection agencies gets involved and a demand letter is sent requesting payment to bring the loan back up to Current. Advanced Skip Tracing and Asset search techniques are also used to see that our borrower hasn't just skipped town. Most importantly, in the 6 months between April and October 2012, 21% of loans at this stage move from 31-60 days past due back to a more favorable status of either 0-30 days past due, Current or Paid Off. However, 74.4% of these loans move further behind to 61-90 days past due. At this stage only 0.1% Default and only 4.4% are Charged Off, which is still a pretty low number.
Tip #1: Watch your loan portfolio diligently to see if your loan moves in the 31-60 day late stage. This is the last stage where there is still a strong (better than 50%) likelihood that your loan will pay off.
In this period the escalation continues and we hit a very important place. This is the magic number. At this stage, we have the first chance where we are unlikely to get repaid on our loan. At 61-90 days past due, we now have a greater than 50% chance of not getting repaid. 44.7% of loans that reach this stage Default and 13.2% of loans in this stage are Charged Off. Together, this means over half, 57.9% of loans to be exact, will either Default or become Charged Off if we reach this stage.
Tip #2: Even if you don't actually write the loan off at this point, in your mind you should. The likelihood of payback is too low to think they will catch up.
Tip#3: Since the likelihood of payoff is low, this may be a good point to sell your note and get what you can for it and write off the difference (loss) in principal from the sale. It pays to understand the secondary market for loans and how it works.
Days 91-120 and 120+
What's important to know in these ranges is that the likelihood of these loans paying off drops significantly. It does happen but its under 2% for all loans in these 2 stages. This makes sense as those able and/or likely to pay will be doing so and will have made the loan Current by now.
Chargeoff is the post 120 days past due. At chargeoff, LC considers the loan to be uncollectible and sells it to a collection agency to try to collect the money. Per LC, a chargeoff is not required if it's expected that the defaulted loan (either through legal action or payment plans or through other means) will result in the recovery of the loan balance or restore the loan to Current status within the next 90 days.
Bankruptcies will be charged off at 60 days from the date of notification from the BK Courts or 120 days late delinquent, whichever comes first.
Tip #4: When people ask you if peer to peer loans are safe even though they are unsecured loans, here is a stat you can give them.
24% of Total Chargeoffs are related to personal bankruptcy filings. This is good for us. It means that people who are willing and able to pay, usually do so.
Lastly, a borrower showing the willingness to pay but a temporary inability to do so can get put on a Temporary Payment Plan. This is something to look out for as it is an indication that our borrower wants to pay off and may be able to get back Current.
So to sum up the collections process at Lending Club, we have LC doing the servicing but advice and work from professionals in collections once the loans move to 30 days late. We have a magic number at 61 days where our loan turns from likely to be paid off to unlikely to be paid off and we have reporting to all the major credit bureaus, a big advantage since most people with good credit understand the value of maintaining that good credit.


This afternoon, around 1:40 P.M. a man entered the Jelly Belly store at the Folsom Premium Outlets, and pointed a pepper spray canister at the clerk. The man told the clerk if she didn’t want to be sprayed; she should give him the money from the register.
The clerk complied and the man casually strolled out of the store with an undisclosed amount of cash.
The suspect is described as a white male, 6 feet tall, around 270 pounds with a “large belly”, in his late 40s’ to early 50s’, with wavy/curly balding dark hair. He was wearing a brown collared shirt and brown pants.
Folsom Police Department investigators are seeking the public’s help in identifying the man.
If you have any information regarding this robbery, please contact Detective Andrew Bates at (916) 355-7230.


Cranes as far as the eye can see, gigantic holes in the ground, row upon row of streets, towering pillars across the landscape to carry the country’s first elevated railway. And at the center of it all, the Burj Dubai – the Dubai Tower – is destined to be the tallest man-made structure in the world. In this city, growth is seen primarily in residential and industrial developments.
There are, however, other sides to Dubai: lofty chimneys, for example, and steaming, hissing assembly lines, powerful gas and steam turbines, and desalination plants – the basic elements of aluminum manufacturing and processing at Dubai Aluminium, Dubal for short.
“Wherever you look, there are clear signs of growth in the emirate,” confirms Ahmad Al Mulla, CIO at Dubal. The government, he says, is trying to boost all sectors of the economy and encourage diversification to reduce Dubai’s dependence on oil. The aim is to strengthen Dubai’s position in the global market – something Dubal also intends to do: “We want to be one of the top five producers of primary aluminum in the world by 2015,” Al Mulla reveals.
The company is investing around the world – in neighboring Saudi Arabia, in Nigeria, Republic of Guinea, and India. “We’re expanding production areas and building new plants. We’re growing in terms of revenue, capacity, and personnel. And this is a major challenge for IT.” Working with SAP and consultants from Deloitte, Al Mulla and his team have successfully mastered this transition.
The Shamal project
“We used to work with Oracle Financials for accounting and purchasing. For everything else, we used our in-house solutions,” explains Mohammad Al Hashimi, project manager. When the legacy systems could no longer keep up with the company’s demands, Dubal started to look for a new software solution. The shortlist included the SAP ERP application and Oracle software. “The functionality was more important to us than the technology. We also wanted to know who offered the most comprehensive process standards,” recalls Al Hashimi. To answer this question, Dubal sought the opinions of the departments involved. SAP ERP 6.0 was the clear winner: “The decisive factor was its functionality.”
“As IT specialists, we help the company constantly improve,” stresses Al Mulla. “We are a business enabler, not just a service provider.” Their role as enablers began in earnest when the core applications went live in June 2007. The success of the go-live was due not only to the hard work of the project team, however. “Comprehensive change management and support at board level were critical to the project’s success,” Al Mulla explains. Named after the shamal – a northwesterly wind that brings a change in weather – the project was intensively promoted in all departments.
Managers and employees from various departments were involved at an early stage to compare the old processes with those offered by the new system. The transition to monthly financial accounting involved a substantial amount of work: Dubal had previously reported 13 – not 12 – times a year. This is just one of many examples of how the company changed to accommodate international conventions. “We wanted to avoid in-house developments and changes to the SAP code,” says Al Mulla. “Keeping to the system’s model processes proved to be the right decision.”
Shamal’s winds of change have not only affected IT at Dubal. The project has had an impact on the whole company, with over 3,000 employees receiving training and 1,800 working with the new system. Real-time data enables managers to act quickly and competently. The departments are connected with each other and work with the same information base. “Employees trust the data,” says Al Mulla. “The system is completely reliable.”
Dubal’s CIO, however, is already thinking about the future. The next goal is to connect the production processes to the system. Al Mulla intends to choose a business intelligence solution once it is clear how the integration of Business Objects at SAP is proceeding. Nevertheless, he feels the company is already optimally equipped for the future: “SAP is like a well. The deeper you dig, the more water you get.” And in a desert state such as Dubai, this is ultimately the key to survival.
Dubai Aluminium (Dubal), founded in 1979, is one of Dubai’s most important manufacturing plants. It is the largest single-site smelter in the western world. The company is a major supplier of foundry alloys to the automotive industry in East Asia. It also produces extrusion billets for construction profiles and highpurity primary aluminum for the electronics and aerospace industries. With more than 3,800 employees, Dubal has the capacity to produce over 950,000 metric tons of primary aluminum a year.


This is a course blog for the classes on digital government and social media in the public sector" class taught by Professor Ines Mergel at the Maxwell School of Citizenship and Public Affairs, Syracuse University. The blog posts include comments and ideas from MPA, MAIR and EMPA students studying the use of new technologies in the public sector.
Wednesday, March 19, 2014
Mobile Technology Creates a Win-Win
Technology Creates a Win-Win
A special report on Enterprise Mobility in the Public CIO journal
highlighted some of the benefits local and state governments can gain by leveraging
technology. Along with this, the article
hints at a resource that few governments are taking advantage of that possesses
a win-win for all parties involved.
Virtually all governments across
America are facing similar situations with shrinking budgets, but also the same
ability to leverage technology, yet few governments have sought new ways to
capture the power that most devices offer. An area where mobile technology is being exploited
for its benefits is the area of emergency preparedness. Unlike most, the county of Pierce, Washington
uses mobile devices to conduct damage assessments of buildings and
infrastructures after natural disasters.
In the past, damage assessments were collected via paper, which led to
input errors as due to human mistake.
Now, field operators can immediately upload the data to the emergency
Pierce County also partners with the University
of Washington to increase its efficiency while lowering its costs had they
contracted out this service. Working
together, these two institutions developed a program where university students collaborate
with Pierce county IT professionals to develop applications during their
internship. The students are exposed to
real life experience along with coaching and other mentorship opportunities. Additionally the students report that this
opportunity sets them apart from others who have never received this
experience. This partnership gives the
city the reach back capability of the students along with free labor. Similar to the Beth Israel Deaconess Medical
Center case we recently discussed in class, the University also serves as a
pool or bench for future employment.
The city of Anaheim California is taking a different approach
of the advantages that mobile technology. They have developed an app that allows
residents to report graffiti or non-emergency suspicious activity using their
phones camera and GPS tagging capabilities.
Though these two example are completely different, it shows
that governments can indeed use mobile devices for various uses. Cities can take advantage of the academic institutions
where mobile technology is studied in order to govern more effectively.
There are countless other ways that governments can take
advantage of this field. Does anyone have
any other examples?


When I started my IT career with the then biggest Software firm in India in 1997, my salary was about US$ 1500/annum in India - yes there is no zero missing. It was Fifteen Hundred dollars per annum. It was a meager amount even by Indian (and in general 3rd world) standards. I had to scrape around for money for gasoline for my motorbike.
I worked with other firms, eventually got promoted to being overpaid when I decided to start a firm based purely on Free software (later branched to cover FOSS software). I started with US$ 300, a borrowed laptop and dial-up Internet access. Actually I could not look at starting a firm with proprietary technologies as the license costs were too steep - remember that we are in India.
I really believe in FOSS and think it is great for unlocking the productivity of 3rd world countries. I am convinced enough to bet my life (not to mention my savings, career and marital bliss) on starting a FOSS consultancy. We are doing pretty well and have also contributed back to the community. In spite of that, I am not convinced with the argument of abolishing patents altogether. The purpose of patents (and copyright) was to benefit the society and reward the inventor. The fact that the current patent law is being abused by large firms is a reason for modifying the law - not for abolishing it altogether. We have to ensure that the laws are changed to serve the original intent of fostering innovation to benefit society and rewarding the inventor.
Abolishing patent protection for software altogether will just enable established large organisations to further enhance their monopolies. The small firms where quite a bit of innovation happens will be left with no protection from large organisations which can absorb the innovation (for free) and then use their marketing/marketshare muscle to simply put the small firms out of business. Apart from people who write software for the love of it (and are good at it), small firms and individual inventors will not have much of a incentive to innovate.
Take the case of firms like mine with less than 20 people. If we had hit upon a innovative idea and decided to implement it as FOSS without patenting it, any large corporation can just re-implement it in their products and we will be left with no differentiating factor.
In fact, no matter how hard we try and provide value to our customers, the large corporations can just let us make all the mistakes and simply adopt all our successes. There will be no reason for a customer to choose our product/services over the established players. After all, the bigger players can demonstrate more stability and bigger support infrastructure. To top it all, the large players need not open their source code as they are not using my code - just my idea/concept which they have implemented in their proprietary product.
There is also no reason for the large players to 'play nice' with small firms.
In this scenario, our only hope for survival is if we can get some kind of legal protection. If indeed we are awarded a patent, the larger established players will be comp to license it from us and thus small firms like mine will be compensated.
If the large cos. are abusing this system to create barriers, then we have to look at preventing the abuse rather than abolish the system itself. Just because somebody is into credit card fraud does not mean we abolish credit cards altogether.
In India, there was a 10 year tax holiday for software firms (which ends in about a yr.). There were other firms like realty, manufacturing etc which registered themselves as software firms to benefit from this. The Government should look at tax fraud instead of abolishing the policy altogether - That would be a knee jerk reaction and simplistic.
The government is expected to provide a level playing field for all players. If the small firms do not have patent protection, it will be difficult indeed for small firms to be founded much less succeed unless as a result gross incompetence on behalf of the large firms.
I would recommend a more democratic solution to the software patent issue:
1. Let patents be granted only to individuals and small firms(Criteria - can be discussed).
2. Even in large firms, patents will be granted to individuals/small teams. The large firms should not be allowed to restrict independent licensing of these patents. They can at the most ask that they get exclusive access to these patents for 6 months from date of filing or to recover the cost of the patent.
3. Free patent organisation, Apache foundation, GNU can also patent stuff which can be leveraged to open up more source code.
4. GPLed (GPL v3, Affero GPL) software can be made exempt from patent prosecution if the software for the complete(and not just partial) product/service is GPLv3 or under Affero GPL. This exemption will serve the primary purpose of benefiting society (with patents being a vehicle to promote this).
This way, the society is benefited from innovation without the inventor being shortchanged.


Intriguing. Juicy, even. Big name, prominent team, a potentially blockbuster trade. Alas, it's just another rumor.
I spoke Saturday with an executive-level source who has knowledge of both teams' activities, and he reported that the Cavs and Nets have not discussed a Carter swap in any form. In fact, the Nets and Cavs haven't discussed any type of trade in a month and a half.
Numerous teams around the league will be calling Cleveland between now and the Feb. 19 trade deadline, so be prepared for more rumors -- both substantiated and unsubstantiated -- to fly. The reason is the Cavs have two players they need to make decisions on -- Wally Szczerbiak, whose $13 million expiring contract is a valuable chip, and Anderson Varejao, who has a player option for 2009-10.


So without further ado, the first book to be offered on Cinerati is The Annotated Lovecraft. I have two copies of this book and one of them needs to go.
The Annotated Lovecraft is a collection of some of H.P. Lovecraft's most famous tales edited by Lovecraft scholar S.T. Joshi. The book contains useful and enlightening annotations and benefits from Joshi's love of the material. Joshi's hard work in promoting scholarly research and weird writing is something that I deepley appreciate, but his disdain for the "Cthulhu Mythos" phenomenon is one that I take issue with. To quote:
Nor need we rehash the sorry story of the "Cthulhu Mythos," which (thanks largely to Derleth's rabid enthusiasm) took on a life of its own...
Joshi's own atheism, he has written books on the subject, seems to have made him overlook certain influences into Lovecraft's mythology. This is not to say that atheism isn't the best lens to look at Lovecraft, it is, rather that Joshi's particular atheism has made him overlook certain aspects in the fiction. Chief is the influence that Lucretius and the Epicurians had upon Lovecraft's mythos. As Bertrand Russell points out in his "Has Religion Made Useful Contributions to Civilization?," Lucretian Epicurianism is no friend to religion, but Epicurianism does have a kind of representation of the gods.
Epicurian "gods" are described as living inter mundia (in the spaces between universes) and Lovecraft and his friends often describe the "Mythos" characters as living "in the spaces between the stars." Not to mention the underlying elemental nature of Epicurian "theology" as witnessed in Lucretius' "De Rerum Natura." Derleth got his concept of the elemental nature of the "gods" from somewhere, but Derleth (like Joshi ignores the elemental connection) ignored the lesson from "Mountains of Madness" that the gods aren't really gods.
All of this is neither hear nor there for the collection, which is wonderful, or for Joshi's contribution, which is significant.
This volume includes the following stories:
Rats in the Walls -- Lovecraft's most Poe-esque piece (other than "The Stranger")
The Colour out of Space
The Dunwich Horror
At the Mountains of Madness
and his essay on Weird Fiction.
If you want it, just leave a comment and email me where to ship it. If you want to reimburse me shipping that's fine, but not necessary. I might, just might, request that you post about the book.


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Former Leeds United forward Noel Whelan has sent a warning to his old club about the lack of Premier League experience in their squad,
The Whites kicked-off their Premier League campaign with a narrow 4-3 defeat to champions Liverpool in a pulsating contest at Anfield on Saturday evening.
Marcelo Bielsa's side equalised three times but were unable to come away with a share of the spoils, partly due to Mo Salah's hat-trick.
The Argentine has added international experience to his squad this summer with the signings of defender Robin Koch and striker Rodrigo.
But despite the activity, Whelan admits he is worried about the lack of Premier League experience currently in the Leeds squad.
“Yes, but we knew that last season when we got promoted from the Championship, we weren’t going to go out there and buy a full squad of players that have Premier League experience,” he told Football Insider when asked about if the Whites have a lack of top-flight experience in their squad.
“We’ve got to give the opportunity to the lads that have got us there, same as Sheffield United. There’s a lot of players there who didn’t have Premier League experience but look how well they’ve adapted.
“It’s about hard work when you get there. It’s about having the discipline, it’s about being organised, it’s about playing to your strengths while being hard to beat like Sheffield United have been.
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“If we can get that kind of blueprint in our squad, we’re not shy of hard work, we press teams and we know it’s a 90 minute game.
“We need to take what we did last year into the Premier League but we know it’s going to be very, very difficult.
“We can’t be going in there scared, we’ve got to realise we’ve got very, very good players in our squad too and they’ve got to stand up and relish the opportunity in front of them.”


“A bubbling, rib-tickling comedy.” – said The New York Times when Barefoot in the Park appeared on Broadway. It was made into a 1967 movie with Robert Redford, who also was in the stage production, and Jane Fonda in the lead roles. The 1963 Tony-nominated comedy play by Neil Simon is about a young couple and their odd neighbors in their small apartment building in Greenwich Village, New York. It explores the troubles that newlyweds face. The Broadway production lasted nearly four years, with over 1500 performances.
Performances in Byrdstown’s Good Neighbors Theatre on Highway 111 are May 8, 9, and 10 at 7:00 p.m. under the direction of Melva Nunnery.
Leading roles are played by Amanda and Donovan Hatfield. Debbie Cross and Janet Keisling share supporting actress and Paul Petrick plays opposite them in the supporting male role. Danny Thomas and Jeff Neeley round out the cast of this clever romantic comedy.
Ticket price is $12 for adults and $10 for children 3-12. Infants through age two are free if they are on a lap. Tickets are available at the Byrdstown/Pickett County Chamber of Commerce and can be placed on Will Call by calling (931) 864-7195. Tickets may also be purchased in advance in person at the Chamber Office on Highway 111. All tickets are non-refundable.
Good Neighbors Theatre has an open seating policy. Persons needing special assistance for wheelchairs/walkers should make that know when purchasing their tickets.
Unpaid tickets on Will Call not claimed 10 minutes prior to curtain are subject to resale if the audience in attendance and including the held tickets is at sold out capacity and people are waiting to buy tickets.
Clinton County’s Donavan and Amanda Hatfield play the leading roles in the Good Neighbors Theater production of Barefoot in the Park in neighboring Byrdstown, Tennessee.


Firefighters have learned of a Denver house full of urine.
They say protesters are storing urine to throw at police during the DNC Convention.
The Drunkablog and KJCT8 reported:A new kind of warning has come up about protesters gearing up for the Democratic National Convention.Members of a coalition of activists planning protests around the DNC said the ordinances restrict free speech including Re-create 68 spokesman Glenn Spagnuolo.
Denver firefighters have learned of a house full of urine being stored to throw at police. An internal memo is warning first responders that disgusting acts are a significant concern.
Protesters in other cities have used urine and feces filled balloons to throw at police and there are concerns that could happen during the Democratic National Convention in Denver.
Denver City Councilman Doug Linkhart has proposed an ordinance to keep protesters from carrying the so called urine bombs or other liquids in the protest areas.
Now do the people who own/rent this home vote for.
The Hope and Change of one Obi wan Obama?
I think I'm going with the libertarian Bob Barr.


So I've heard several different responses to the recent announcement. Many of the e-mails that I have received have been positive, which I appreciate greatly. There had been many people wondering in the past why this didn't happen a long time ago. So I felt emboldened by that. But some people seem to have the wrong idea about what is going on. I am not selling MacJournal to Mariner software. I will still do all the same things that I do now, but at the same time they will be out there telling people about it and raising its visibility. This isn't about the money at all. If time is money then I am in the red so far that it is not even worth considering. But that's not why I had been doing MacJournal and not why I will continue. Products have to evolve to survive and this is the next step in the evolution. Some people trust a product more if it is guaranteed to be around in a few years. While a few others seem to trust anything less if it costs money. So I guess the only conclusion there is that you can't please all of the people all of the time. I'm just going to keep trying to make the best application I can.
MacJournal has been free for a long time but it also wasn't very good for a while at the start. There was a point a while back when I was ready to stop developing it. I actually took about nine months off. But I got excited about working on it again and now this guarantees that I will be working on it for years to come. You don't want to put all of your data in a place where it's just going to get stuck and now it will keep evolving and improving for years.
I hope this clears up a little of the confusion. I know not everyone will agree with me and my reasoning. Some people will always think that I sold out because any time something costs money it must be inherently bad. All software should be free, perhaps because it is intangible. But I thank everyone out there for their support in this transition.