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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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i comparable this essay by edward hudgins of the chart club allowed producers vs. expropriators: america's future civil war? delight go and recite it.

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extra broadly, the straightforward conflict is connecting loner self-managers and brutal socialist dictators, by a large amount wealth producers on the loner self-managers elevation, but countless are too on the brutal socialist dictators elevation. the producers on the socialist and value-imposing elevation are occasionally in attendance due to guilt, occasionally to in basic terms living being victim to teaching,cheap college health insurance student and occasionally for the reason that they see with the intention of as the way to defend the wealth next to the socialists with the intention of they worked challenging to erect up. nonetheless, they boast connected the opponent and we hardship to become conscious with the intention of a number of of our allies are not inevitably nation who are very well productive of wealth and returns. they are in basic terms self-managing individualists.

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Losses to American farmers from frosts average in the billions of dollars annually. Peaches, plums, citrus and other crops are regularly threatened by frost in the Southeast. California is also susceptible: A January 2007 freeze there cost farmers more than billion in losses of citrus, avocados and strawberries,cheap college health insurance student and a 1990 freeze that caused about 0 million in damage to agriculture resulted in the layoff of 12,000 citrus industry workers, including pickers, packers, harvesters and salespeople. In 2002,cheap college health insurance student lettuce prices around the country went through the roof after an unseasonable frost struck the Arizona and California deserts.

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Lifted directly from an email (BTW I took that photo,cheap college health insurance student in the booth. That's my actual vote):

Let's review the story, before we nitpick OSBP out of office.cheap college health insurance student We
need a reminder from time to time exactly how much has been accomplished
in the face of such intransient obstructionism by the troglodytes in
Congress, the media, and in those pockets in the country,cheap college health insurance student where white
folks turnout for the Palin book tour looking for the return of an
America that used to be, and we were all happy to throw in the trash
heap of history.
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While we may or may not agree with the actions of some things on the
list, there are significant deeds here which we may not be aware of and
may need to weigh before making a personal assessment.
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The author is Professor Robert Watson of Lynn University who was once a
writer for the New York Times.

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Professor Watson writes:

Hi friends,

I am always being asked to grade Obama's presidency.cheap college health insurance student In place of
offering him a grade, I put together a list of his accomplishments thus
far. I think you would agree that it is very impressive. His first six
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months have been even more active than FDRs or LBJs the two standards
for such assessments. Yet, there is little media attention given to much
of what he has done. Of late,cheap college health insurance student the media is focusing almost exclusively
on Obama's critics, without holding them responsible for the uncivil,
unconstructive tone of their disagreements or without holding the
previous administration responsible for getting us in such a deep hole.cheap college health insurance student
The misinformation and venom that now passes for political reporting and
civic debate is beyond description.
As such, there is a need to set the record straight.cheap college health insurance student What most
impresses me is the fact that Obama has accomplished so much not from a
heavy-handed or top-down approach but from a style that has
institutionalized efforts to reach across the aisle, encourage vigorous
debate,cheap college health insurance student and utilize town halls and panels of experts in the
policy-making process. Beyond the accomplishments, the process is good
for democracy and our democratic processes have been battered and
bruised in recent years.cheap college health insurance student
Let me know if I missed anything in the list (surely I did).
Robert

1.cheap college health insurance student Ordered all federal agencies to undertake a study and make
recommendations for ways to cut spending
2. Ordered a review of all federal operations to identify and cut
wasteful spending and practices
3.cheap college health insurance student Instituted enforcements for equal pay for women
4. Beginning the withdrawal of US troops from Iraq
5. Families of fallen soldiers have expenses covered to be on hand when
the body arrives at Dover A.cheap college health insurance student F.B.
6. Ended media blackout on war casualties; reporting full information
7.cheap college health insurance student Ended media blackout on covering the return of fallen soldiers to
Dover A.F.B.; the media is now permitted to do so pending adherence to
respectful rules and approval of fallen soldier's family
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8. The White House and federal government are respecting the Freedom of
Information Act
9. Instructed all federal agencies to promote openness and transparency
as much as possible
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10. Limits on lobbyist's access to the White House
11. Limits on White House aides working for lobbyists after their
tenure in the administration
12.cheap college health insurance student Ended the previous stop-loss policy that kept soldiers in
Iraq/Afghanistan longer than their enlistment date
13. Phasing out the expensive F-22 war plane and other outdated weapons
systems, which weren't even used or needed in Iraq/Afghanistan
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14. Removed restrictions on embryonic stem-cell research
15. Federal support for stem-cell and new biomedical research
16. New federal funding for science and research labs
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17. States are permitted to enact federal fuel efficiency standards
above federal standards
18. Increased infrastructure spending (roads, bridges,cheap college health insurance student power plants)
after years of neglect
19. Funds for high-speed, broadband Internet access to K-12 schools
20.cheap college health insurance student New funds for school construction
21. The prison at Guantanamo Bay is being phased out
22. US Auto industry rescue plan
23.cheap college health insurance student Housing rescue plan
24. 9 billion economic stimulus plan
25. The publ
ic can meet with federal housing insurers to refinance (the
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new plan can be completed in one day) a mortgage if they are having
trouble paying
26. US financial and banking rescue plan
27. The secret detention facilities in Eastern Europe and elsewhere are
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being closed
28. Ended the previous policy; the US now has a no torture policy and
is in compliance with the Geneva Convention standards
29. Better body armor is now being provided to our troops
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30.The missile defense program is being cut by .4 billion in 2010
31. Restarted the nuclear non-proliferation talks and building back up
the nuclear inspection infrastructure/protocols
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32. Re-engaged in the treaties/agreements to protect the Antarctic
33. Re-engaged in the agreements/talks on global warming and greenhouse
gas emissions
34.cheap college health insurance student Visited more countries and met with more world leaders than any
president in his first six months in office
35. Successful release of US captain held by Somali pirates; authorized
the SEALS to do their job
36.cheap college health insurance student US Navy increasing patrols off Somali coast
37. Attractive tax write-offs for those who buy hybrid automobiles
38. Cash for clunkers program offers vouchers to trade in fuel
inefficient,cheap college health insurance student polluting old cars for new cars; stimulated auto sales
39. Announced plans to purchase fuel efficient American-made fleet for
the federal government
40. Expanded the SCHIP program to cover health care for 4 million more
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children
41. Signed national service legislation; expanded national youth
service program
42. Instituted a new policy on Cuba ,cheap college health insurance student allowing Cuban families to return
home to visit loved ones
43. Ended the previous policy of not regulating and labeling carbon
dioxide emissions
44.cheap college health insurance student Expanding vaccination programs
45. Immediate and efficient response to the floods in North Dakota and
other natural disasters
46. Closed offshore tax safe havens
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47. Negotiated deal with Swiss banks to permit US government to gain
access to records of tax evaders and criminals
48. Ended the previous policy of offering tax benefits to corporations
who outsource American jobs; the new policy is to promote in-sourcing to
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bring jobs back
49. Ended the previous practice of protecting credit card companies; in
place of it are new consumer protections from credit card industry's
predatory practices
50.cheap college health insurance student Energy producing plants must begin preparing to produce 15% of
their energy from renewable sources
51. Lower drug costs for seniors
52. Ended the previous practice of forbidding Medicare from negotiating
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with drug manufacturers for cheaper drugs; the federal government is now
realizing hundreds of millions in savings
53. Increasing pay and benefits for military personnel
54. Improved housing for military personnel
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55. Initiating a new policy to promote federal hiring of military
spouses
56. Improved conditions at Walter Reed Military Hospital and other
military hospitals
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57. Increasing student loans
58. Increasing opportunities in AmeriCorps program
59. Sent envoys to Middle East and other parts of the world that had
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been neglected for years; re-engaging in multilateral and bilateral
talks and diplomacy
60. Established a new cyber security office
61. Beginning the process of reforming and restructuring the military
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20 years after the Cold War to a more modern fighting force; this
includes new procurement policies, increasing size of military, new
technology and cyber units and operations, etc.cheap college health insurance student
62. Ended previous policy of awarding no-bid defense contracts
63. Ordered a review of hurricane and natural disaster preparedness
64.cheap college health insurance student Established a National Performance Officer charged with saving the
federal government money and making federal operations more efficient
65. Students struggling to make college loan payments can have their
loans refinanced
66.cheap college health insurance student Improving benefits for veterans
67. Many more press conferences and town halls and much more media
access than previous administration
68. Instituted a new focus on mortgage fraud
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69. The FDA is now regulating tobacco
70. Ended previous policy of cutt
ing the FDA and circumventing FDA
rules
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71. Ended previous practice of having White House aides rewrite
scientific and environmental rules, regulations, and reports
72.cheap college health insurance student Authorized discussions with North Korea and private mission by
Pres. Bill Clinton to secure the release of two Americans held in
prisons
73. Authorized discussions with Myanmar and mission by Sen.cheap college health insurance student Jim Web to
secure the release of an American held captive
74. Making more loans available to small businesses
75. Established independent commission to make recommendations on
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slowing the costs of Medicare
76. Appointment of first Latina to the Supreme Court
77. Authorized construction/opening of additional health centers to
care for veterans
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78. Limited salaries of senior White House aides; cut to 0,000
79. Renewed loan guarantees for Israel
80.cheap college health insurance student Changed the failing/status quo military command in Afghanistan
81. Deployed additional troops to Afghanistan
82. New Afghan War policy that limits aerial bombing and prioritizes
aid,cheap college health insurance student development of infrastructure, diplomacy, and good government
practices by Afghans
83. Announced the long-term development of a national energy grid with
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renewable sources and cleaner, efficient energy production
84. Returned money authorized for refurbishment of White House offices
and private living quarters
85.cheap college health insurance student Paid for redecoration of White House living quarters out of his own
pocket
86. Held first Seder in White House
87. Attempting to reform the nation's healthcare system which is the
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most expensive in the world yet leaves almost 50 million without health
insurance and millions more under insured
88. Has put the ball in play for comprehensive immigration reform
89. Has announced his intention to push for energy reform
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90. Has announced his intention to push for education reform
Oh, and he built a swing set for the girls outside the Oval Office!

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by
Robert P. Watson, Ph.D.cheap college health insurance student Coordinator of American Studies
Lynn University.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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The petition for a new charter school in Oakland's San Antonio District (possibly located at 12th St. and 8th Ave.) has been submitted to OUSD. It will go for final approval before the board on January 27th. The petition for the COMMUNITY SCHOOL FOR CREATIVE EDUCATION (CSCE) can be viewed here.
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This K-8 school will be based on a Waldorf model and is projected to enroll 256 neighborhood children by 2014, 206 elementary with an additional 50 middle school students. The middle school enrollment will continue to expand for several years. The lead petitioner is a strong figure in the Waldorf community, and many additional Waldorf leaders are on the school��s board, as well as a rep from OCO,cheap college health insurance student a person from the Contra Costa County Office of Education, a lawyer/start-up businessman, a digital communications businessman, the director of UCB's Warren Institute on Race, Ethnicity, and Diversity,cheap college health insurance student the pastor co-founder of another charter middle school (W.O. Community, closed in 2006). CSCE has received two grants from the Walton Family Foundation to plan and start-up the school. If the petition is approved they expect to get more grants from the WFF,cheap college health insurance student the Rogers Family Foundation, the San Francisco Foundation, and more.
CSCE's organizers have been enlisting the assistance of Lotus Bloom Child and Family Resource Center to interest parents in their school: ��In the past six months Lotus Bloom has worked closely with the leadership team at the CSCE to provide workshops along with an open house to inform community members about the teaching methods of CSCE.�� (Pg.cheap college health insurance student 230) My guess is this is where most of the parent signatures on the petition were acquired.
The school targets students who would normally go to Garfield, Lazear, and Franklin Elementary schools and Roosevelt Middle (it seems like La Escuelita might be affected, too).cheap college health insurance student Page after page of the petition report emphasizes the low-range test scores at those schools, but the fact that each of those schools has made progress with their APIs is not mentioned. For instance:
- Garfield has risen from 620 (in 02-03) to 693 (in 08-09)
- Lazear has risen from 626 (in 02-03) to 709 (in 08-09)
- Franklin has risen from 670 (in 02-03) to 814 (in 08-09)
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- Roosevelt has risen from 597 (in 02-03) to 642 (in 08-09)
The petition report also criticizes those schools for being too large. All of them have experienced declining enrollment in recent years. Here is their enrollment:
- Garfield has shrunk from 870 (in 02-03) to 687 (in 08-09)
- Lazear has shrunk from 459 (in 02-03) to 320 (in 08-09)
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- Franklin has shrunk from 784 (in 02-03) to 708 (in 08-09)
- Roosevelt has shrunk from 933 (in 02-03) to 695 (in 08-09)
The model of education in Waldorf schools was developed by Rudolf Steiner in Germany following World War I. It stresses stress art, music, nature,cheap college health insurance student creativity, etc. The philosophy is derived from a spiritual movement Steiner founded called ��Anthroposophy.�� The current Wikepedia entry states "Steiner characterized specific races, nations, and ethnicities in ways that have been termed racist by critics including characterizations of various races and ethnic groups as flowering,cheap college health insurance student others as backward or destined to disappear." Because of these types of issues, Waldorf schools being made into public schools has sometimes been extremely controversial.
Several years ago, an organization called "People for Legal and Nonsectarian Schools (PLANS) filed suit against two California school districts alleging that the districts were running religious programs in public schools.cheap college health insurance student The legal battle cost the district more than 0,000 in legal fees."
Read here and here and also here for an Ed Week article about the early phase of that controversy.
Waldorf supporters claim that PLANS ".cheap college health insurance student ..works against the community welfare by slandering the work of dedicated teachers wanting to see true education reform." They present their arguments here. I just hope I don't have to watch OUSD get entwined in another messy controversy.
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I value creativity and exploration and think kids should get more exposure to some of the activities offered by the Waldorf model, but I personally have difficulty grasping how a Waldorf education will mesh with the dominant accountability/more rigor/testing/standards model that is currently being forced on students �� they seem to be two different animals.Most Waldorf schools have been private schools all along, and of course, private schools don��t have to deal with the things urban public schools are subjected to for the sake of accountability via standardized testing drill and kill.
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One of CSCE's supporters even stated in their letter which was included in the petition, ��A school that inspires the whole child intellectually, emotionally, and spiritually-would be a welcome contrast to the open court system that teaches to tests.�� Here, hear! But I say if we're going to take that approach,cheap college health insurance student then let us take the chains off ALL of the teachers and let them go through that door!
Nonetheless, CSCE is anticipating that it will produce the following spectacular results as School-wide Performance Goals (% students school-wide Proficient/Advanced on CST )
Subject 2010-11 2011-12 2012-13 2013-14 2014-15
ELA 40% 50% 60% 74% 88%
Math 33% 44% 56% 66% 76%
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...but I won't be holding my breath.
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And I wonder what Franklin, Garfield, Lazear, and Roosevelt teachers can share with us about the creative opportunities offered at their schools. I believe Roosevelt has a good music program, but don't know much about the other schools.cheap college health insurance student.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Registration and the deduction of expenses Hope and Lifetime Learning Credit Student Loan Interest deduction
Tuition and fees deduction, the school can be a tax deduction for tuition and fees, do not take the cost of books, supplies,software, room and board, insurance, student health fees, transportation fees and charges residence or other miscellaneous expenses for the school.
Qualifying expenditures are reported to you and the IRS> Form 1098-T. Limitations: The maximum amount you can deduct the membership has steadily risen with inflation, demand and can be found in line 35 (IRS Publication 970) Report of the tax deduction on the application form 1040 This line is usually on report of domestic production activities deduction. Write a "T" on the dotted line and enter the amount of your deduction in the box.
If you say, both the domestic production activities deduction (oneDeduct business for the United States), and the registration fee, deduction, you write a B on the dotted line, and enter the sum of the two reductions in the box. Attach a statement that breaks the amounts claimed for each deduction.
Claims of hope and learning: you can be eligible to claim the Hope or Lifetime tax credits for the costs of college learning, will be more favorable in general, that the use of student fees and deductions. You can not ask for morecoverage as a tax benefit for them.
Deductions comparison: While the tuition fees and deduction reduces taxable income, the Hope credit and Lifetime Learning credit is a tax credit based on a percentage of qualified college expenses. In general, with a tax credit will give a greater benefit of a deduction. Education tax credit are calculated on IRS Form 8863 (PDF).
HopeCredit: The Hope Credit is a tax credit for college students in the first two years of college. It offers a tax credit of up to $ 1650 for the first $ 2200 of tuition fees. You can request the Hope Credit on your tax return if you, your spouse or employee, in the first year or second year students enrolled at least half-time at a recognized educational institution, and pay the expenses of college.
Lifetime Learning Credits:The duration of learning credit is a tax credit for each person, the classes of the college has begun. It offers a tax credit of up to $ 2,000 for the first $ 10,000 of tuition fees. You can claim the Lifetime Learning Credit on your tax return if you, your partner or your employees are enrolled in a recognized educational institution, and pay the expenses of college. Unlike the Hope Credit, even if he took only one class, you may require learning to lifeCredit.
Eligible educational institutions: schools and accredited universities, schools and other secondary schools. If the entity is entitled to participate in federal programs to support students from the U.S. Department of Education, registration and fees paid to the school, credits may be obtained from the Hope or Lifetime Learning. Cost to be listed above, the deduction student fees in Information.
You must reduce your qualifiedThe costs, find out if your tax credit in the amount of financial support from grants, scholarships or reimbursements received by the employer.
Who can claim the education credits? Who are legally required as an employee, in qualifying school, can be applied to your tax return. Which is not legally as an employee of Education must submit all loans made to their tax claims.
Restrictions on the education of the Income TaxAdvantages see (IRS Publication 970)
No tax relief for education of any kind applies only to taxpayers who are married but separated to allow registration.
Student Loan Interest Deduction (IRS Tax Topic is 456) the creditor a form 1098-E. The amount of interest paid on student loans for 1098 will be reported on Form E-Field 1 The maximum amount of student loans application issues, according to income (IRS listedPublication 970)
Additional conditions:
It supports the interest paid on a qualified student loan in the tax return. A qualified student loan is a loan that has got to pay for qualified higher education. The status of your registration is not married to login separately, you and your spouse, if the presentation jointly tried, not as dependent on someone else's back See also tax breaks for Education (IRS Publication 970)
Other forms, where you can reportTheir question
Tell me about your student loan interest paid on Form 1040 Line 33 18. O Line on Form 1040A If you file a Form 2555, Form 2555EZ or Form 4563, use Publication 970 instead of the worksheet in the Form 1040 instructions.
For more detailed information (see IRS Publication 970), tax breaks for education, Chapter 6.

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Health insurance is not always the first financial contribution for young adults. After all, if you're young, feel healthy and do not believe that you have the need.Actually, the health of one of the most important financial protection to you if you are still young.
Many young people are often unaware that they are usually the parents by the health insurance coverage be deleted if it is either 18 or terminate aFull-time students of 23 years or so. But many young adults also feel they do not really need either. But a single accident or serious illness can cost thousands of dollars at the end.
Financial advisors recommend that young adults receive some kind of health insurance. But how do you always go affordable health insurance?
First, check with your employer to see if they are to offer health insurance benefits.If so, and you are entitled, this is probably the best choice as far as the types of coverages you get a low cost.
If your employer offers no health insurance or you're not eligible, you can shop around for individual health insurance. There are measures available to provide coverage for catastrophic need affordable premiums. In general, these restrictions in terms of coverage have and are characterized by high deductibles. However, they are even betteras if uninsured.
Remember, health insurance costs can be quite a bit from company to company vary, and some companies offer policies especially for the people in your situation. Plan coverages also vary from company to company. You spend a little time for shopping in quotation marks compared to make sure and ask lots of questions so that you understand fully your coverages and responsibilities.
If you are a full-time student, you may be able to get student insurance throughYour college or buy shop online.
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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Gov. Bill Ritter today joined the Colorado Coalition for the Homeless and dozens of community members to break ground on a 98-unit apartment building for the chronically homeless and low-income. Future tenants who are currently homeless will help construct the building in Denver��s Capitol Hill neighborhood.
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Gov. Ritter used the groundbreaking to also announce several jobs, anti-hunger and healthcare initiatives his administration is undertaking to mend and strengthen the state��s tattered safety net.

��The Colorado I know is compassionate.cheap college health insurance student The Colorado I know cares about people. The Colorado I know appreciates that a helping hand is simply the right thing to do,�� Gov. Ritter said. ��Housing is a key part of the safety net, and I��m pleased that my administration is helping to make the Uptown Lofts housing development a reality.cheap college health insurance student I��m also pleased to announce several other initiatives on healthcare, hunger and jobs.��

The Governor congratulated the Coalition for the Homeless for its new jobs program,cheap college health insurance student Renaissance Works, which will provide homeless people with construction jobs building the new apartment project. ��When the Uptown Lofts project is done, those workers may be among the building��s new tenants,�� Gov. Ritter said.cheap college health insurance student ��And with that recent employment experience under their belts, this will make it easier for them to find employment in the future. This is about constructing a building, but more importantly, it's about constructing hope.��
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Gov. Ritter said Renaissance Works will complement new state efforts to provide housing and jobs and combat hunger:

-The state is using .cheap college health insurance student 4 million from the Recovery Act and .7 million in Temporary Assistance to Needy Families (TANF) funds for homelessness prevention. More than 40 local agencies will provide services to needy families in all 64 Colorado counties, helping with utility bills, back rent and financial counseling. This funding collaboration between the state��s Division of Housing and Department of Human Services will transform service delivery and avoid duplication of paperwork and services.cheap college health insurance student More than 2,000 Colorado families will not become homeless over the next three years thanks to the program, and more than 1,400 families will get housing. The TANF funds will serve an additional 1,440 families facing homelessness by June 30,cheap college health insurance student 2010.

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-Hire Colorado will use .25 million in Recovery Act funds to provide an employment subsidy to companies that hire TANF-eligible temporary workers. The program will help credit-strapped businesses hire 1,700 people over the next six months to meet local market demands in areas such as healthcare, healthcare IT and hospitality.
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-The Campaign to End Childhood Hunger �� a partnership with Gov. Ritter��s Office,the national Share our Strength organization and the Colorado Coalition to End Hunger �C will strive to eliminate childhood hunger in Colorado by 2015. First-year efforts will strive to increase the number of eligible children in school breakfast and summer food programs.
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-The state is working to contain skyrocketing healthcare costs for employers and private insurance consumers by providing coverage to uninsured Coloradans:

-The Colorado Healthcare Affordability Act, signed into law by Gov. Ritter earlier this year,cheap college health insurance student will provide Medicaid coverage to 100,000 uninsured Coloradans.

-The state was awarded a .5 million federal grant to support and expand competitive employment opportunities for Coloradans with disabilities through a Medicaid buy-in program.cheap college health insurance student

-The state is streamlining application procedures and requirements to help qualifying individuals and families enroll in Medicaid and Child Health Plan Plus.
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Earlier this week, Gov. Ritter announced that two new companies are expanding to Colorado,cheap college health insurance student bringing nearly 240 jobs. His aggressive economic development strategy is putting people back to work by attracting industry to expand or move to Colorado. Gov. Ritter also recently announced job-training legislation to get Coloradans re-trained for new employment.

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��There��s no denying these are painful times �� times that demand compassion, thoughtfulness and strong leadership,�� Gov. Ritter said.cheap college health insurance student ��While we can��t print money, we can use state money smartly. We can leverage state resources with federal and private dollars, and we can maximize what our money produces. We can be both compassionate and fiscally responsible.
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��And most importantly, we can work together so that in the years ahead we can all look back and say with confidence that we rose to the challenge.��.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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THE FUNDAMENTAL TRANSFORMATION OF AMERICA

PLEASE READ, THINK AND UNDERSTAND!

WE ARE BEING DESTROYED BY OUR ENEMY WITHIN!
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IN A BIG HURRY TO FINISH BEFORE WE WAKE UP AND STOP THEM !

Alan Note: Unable to put any of the statements below to the lie and label them as untrue, even admitting them to be the truth,cheap college health insurance student Obambots have resorted to calling us crazy and trying to tell us that their Messiah is right to take us in this moronic "new" Marxist direction as it is best for the country!

That opinion is their right but also underlines their inexperience with world affairs and history which has repeatedly shown that Socialism (to call what is being done in a most gentle of terms) has not succeeded anywhere and is not a "new" path. And fails, even when like in Cuba or China, enforced with imprisonment and execution.cheap college health insurance student

Or in the second channel of Oba-Hussein's Marxist-Islamist philosophy the way Islam imposes its beliefs on any disbeliever. Do as we say or die!

If we are "crazy" (rather than seeing the cliff off which we are being thrown) it is with the grief of seeing our culture and our freedoms being washed down the drain and sullied by an administration that has no apparent love for our nation and prefers cultist,cheap college health insurance student dictatorial methods to govern us as our bosses NOT as our servers as the Constitution provides.

Imposing their oligarchic will on "us the people" with Chicago type thuggery (like the so-called "nuclear" rule-breaking option to pass the Healthcare bill with 51-votes instead of a filibuster proof 60, against the will of the people which we can expect from Harry Reid) instead of following the rules of the Senate and of the Constitution.
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Dismissing the truths below out of hand as "crazy", in no way changes the truth, just shows denial of truth as it actually exists �C not as you would wish it to appear.

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The only "CRAZY " here is what is being done destructively to us by self-avowed radicals! (Luckily Americans are finally waking up to the danger).

===========================
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When Obama wrote a book and said he was mentored as a youth by Frank
(Frank Marshall Davis, an avowed Communist), people said it didn't matter.cheap college health insurance student

When it was discovered that his grandparents, were strong socialists, sent
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young Obama, people said it didn't matter.

When people found out that he was enrolled as a Muslim child in school and
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his father and step-father were both Muslims, people said it didn't
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When he wrote in another book he authored ��I will stand with them
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said it didn't matter.

When he admittedly,cheap college health insurance student in his book, said he chose Marxist friends and
professors in college, people said it didn't matter.

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When he traveled to Pakistan, after college on an unknown national
passport, people said it didn't matter.

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When he sought the endorsement of the Marxist party in 1996 as he ran for
the Illinois Senate, people said it doesn't matter.

When he sat in a Chicago Church for twenty years and listened to a
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people said it didn't matter.

When an independent Washington organization that tracks senate voting
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records, gave him the distinctive title as the "most liberal senator",
people said it didn't matter.

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When the Palestinians in Gaza set up a fund raising telethon to raise
money for his election campaign, people said it didn't matter.

When his voting record supported gun control,cheap college health insurance student people said it didn't
matter.

When he refused to disclose who donated money to his election campaign, as
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other candidates had done, people said it didn't matter.

When he received endorsements from people like Louis Farrakhan and Mummar
Kadaffi and Hugo Chavez,cheap college health insurance student people said it didn't matter.

When it was pointed out that he was a total newcomer and had absolutely no experience at anything except community organizing, people said it didn't matter.
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When he chose friends and acquaintances such as Bill Ayers and Bernadine
Dohrn who were revolutionary radicals, people said it didn't matter.

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When his voting record in the Illinois senate and in the U.S. Senate came
into question, people said it didn't matter.
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When he refused to wear a flag, lapel pin and did so only after a public
outcry, people said it didn't matter.
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When people started treating him as a Messiah and children in schools were
taught to sing his praises, people said it didn't matter.

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When he stood with his hands over his groin area for the playing of the
National Anthem and Pledge of Allegiance, people said it didn't matter.

When he surrounded himself in the White House with advisors who were
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radical communists, pro gun control, pro abortion, pro homosexual marriage
and wanting to curtail freedom of speech to silence the opposition, people
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When he aired his views on abortion, homosexuality and a host of other
issues,cheap college health insurance student people said it didn't matter.

When he said he favors sex education in Kindergarten, including homosexual
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When his background was either scrubbed or hidden and nothing could be
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When the place of his birth was called into question, and he refused to
produce a birth certificate, people said it didn't matter.cheap college health insurance student

When he had an association in Chicago with Tony Rezco, a man of
questionable character who is now in prison and had helped Obama to a
sweet deal on the purchase of his home,cheap college health insurance student people said it didn't matter.

When it became known that George Soros, a multi-billionaire Marxist, spent
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a ton of money to get him elected, people said it didn't matter.

When he started appointing czars that were radicals, revolutionaries,cheap college health insurance student and
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When he stood before the nation and told us that his intentions were to
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didn't matter.

When it became known that he had trained ACORN workers in Chicago and
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When he appointed cabinet members and several advisors who were tax cheats
and socialist,cheap college health insurance student people said it didn't matter.

When he appointed a science czar, John Holdren, who believes in forced
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abortions, mass sterilizations and seizing babies from teen mothers,
people said it didn't matter.

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When he appointed Cass Sunstein as regulatory czar and he believes in
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When he appointed Kevin Jennings, a homosexual, and organizer of a group
called gay,cheap college health insurance student lesbian, straight Education network as safe school czar and it
became known that he had a history of bad advice to teenagers, people said
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When he appointed Mark Lloyd as diversity czar who believed in curtailing
free speech, taking from one and giving to another to spread the wealth
and admires Hugo Chavez, people said it didn't matter.cheap college health insurance student

When Valerie Jarrett was selected as Obama's senior White House advisor
and she is an avowed Socialist (born in Iran), people said it didn't matter.
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When Anita Dunn, White House Communications director said Mao Tse Tung was her favorite philosopher and the person she turned to most for
inspiration, people said it didn't matter.
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When he appointed Carol Browner as global warming czar, and she is a well
known socialist working on Cap and Trade as the nations largest tax,
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When he appointed Van Jones, an ex-con and avowed Communist as green
energy czar, who since had to resign when this was made known,cheap college health insurance student people said
it didn't matter.

When Tom Daschle, Obama's pick for health and human services secretary,cheap college health insurance student
could not be confirmed because he was a tax cheat, people said it didn't
matter.

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When as president of the United States, he bowed to the King of Saudi
Arabia and the Emperor of Japan, people said it didn't matter.

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When he traveled around the world criticizing America and never once
talked of her greatness, people said it didn't matter.

When his actions concerning the middle-east seemed to support the
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Palestinians over Israel, our long time friend, people said it doesn't
matter.

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When he took American tax dollars to resettle thousands of Palestinians
from Gaza to the United States, people said it doesn't matter.

When he upset the Europeans by removing plans for a missile defense system
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When he played politics in Afghanistan by not sending troops the Field
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When he started spending us into a debt that was so big we could not pay
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When he took a huge spending bill under the guise of stimulus and used it
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When he designed plans to take over the health care system and put it
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When he set into motion a plan to take over the control of all energy in
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When he finally completed his transformation of America into a Socialist
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Any one of these things, in and of themselves, does not really matter.
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But�� when you add them up one by one you get a phenomenal score that
points to the fact that our Obama is determined to make America over into
a Marxist/Socialist society.

All of the items in the preceding paragraphs have been put into place.cheap college health insurance student All can be documented very easily.

Before you disavow this, do an internet search. The last paragraph alone
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is not yet cast in stone. You and I will write that paragraph. Will it
read as above or will it be a more happy ending for most of America?
Personally, I like happy endings.cheap college health insurance student

If you are an Obama Supporter, please do not be angry with me because I
think the President of your choice is a socialist, but there are too many
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facts supporting this. If you seek the truth you will be richer for it.
Don't just belittle the opposition. Search for the truth. I did.cheap college health insurance student

Democrats, Republicans, Independents, Constitutionalist,cheap college health insurance student Libertarians and
what have you, we all need to pull together. We all must pull together or
watch the demise of a society that we all love and cherish. If you are a
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Never before in the history of America have we been confronted with
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Don't rely on most television news and what you read in the newspapers for
the truth. Search the internet. Yes,cheap college health insurance student there is a lot of bad information,
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Newspapers are a dying breed. They are currently seeking a bailout from
the government. Do you really think they are about to print the truth?
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Obama praises all the television news networks except Fox aainst whom he has waged war. There must be a reason. He does not call them down on any
specifics, just a general battle against them.cheap college health insurance student If they lie, he should
call them out on it but he doesn't.

Please,cheap college health insurance student find the truth, it will set you free.

Our biggest enemy is not China, Russia,cheap college health insurance student Iran; no, our biggest enemy is a
contingent of politicians in Washington DC (under Oba-Hussein Khomeini's domination).

AND they are out to destroy America with the Health Care bill which has the following IMMEDIATE tax increases with any benefits starting in four (Congress version) or five years (Senate version)
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Impressive �C list of new ��ObamaCare�� taxes. Thanks �C Repeal The 17th

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Individual Mandate Tax (Page 324/Sec. 1501/ bil)

Employer Mandate Tax (Page 348/Sec. 1513/ bil)

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Excise Tax on Comprehensive Health Insurance Plans (Page 1979/Sec. 9001/9.1 bil)

Employer Reporting of Insurance on W-2 (Page 1996/Sec. 9002/Min$)
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Medicine Cabinet Tax (Page 1997/Sec. 9003/ bil)

HSA Withdrawal Tax Hike (Page 1998/Sec. 9004/.cheap college health insurance student 3 bil)

FSA Cap (Page 1999/Sec. 9005/.6 bil)

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Corporate 1099-MISC Information Reporting (Page 1999/Sec. 9006/.1 bil)

Excise Tax on Charitable Hospitals (page 2001/Sec. 9007/Min$)
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Tax on Innovator Drug Companies (Page 2010/Sec. 9008/ .2 bil)

Tax of Medical Device Manufacturers (Page 2020/Sec.cheap college health insurance student 9009/.3 bil)

Tax on Health Insurers (Page 2026/Sec. 9010/.4 bil)
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Eliminate tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D (Page 2034/Sec. 9012/.4 bil)

Raise ��Haircut�� for Medical Itemized Deduction from 7.cheap college health insurance student 5% to 10% of AGI (Page 2034/Sec. 9013/.2 bil)

0,000 Annual Executive Compensation Limit for Health Insurance Executives (Page 2035/Sec.cheap college health insurance student 9014/##content##.6 bil)

Hike in Medicare Payroll Tax (Page 2040/Sec. 9015/.8 bil)
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Blue Cross/Blue Shield Tax Hike (Page 2044/Sec. 9016/##content##.4 bil)

Tax on Cosmetic Medical Procedures (Page 2045/Sec.cheap college health insurance student 9017/.8 bil)

THE OBA-HUSSEIN APOCALYPSE NOW CLEARLY DESCENDING ON US

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hat tip and thanks for some of this to: thenewsman@ij.net.

david reid lowells inspired channelings from spirit president cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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or Mr. in my opinion,
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Why care about a man and his daughter; when you have a campaign to focus on that could potentially block your legacy of Health Care reform President Obama. and why,jpg" border="0" />
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"If we could do it,

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Gengel's daughter, his relief was shattered. Thank Secretary of State,. if we could fly down there �� I own a construction company,. Faculty members Patrick Hartwick and Richard Bruno also remain unaccounted for.jpg" border="0" />
(Jan. the day before a 7. By the way the local law-enforcement pays out of our local taxes for his extra security while he is here, was safe�� North Korea and Iran. Then, he, Our Mr.cheap college health insurance student

Still no call from a White House Staffer,blogspot. Obama needs that seat to remain democratic so he PUSH health-care reform down out collective throats.bp.cheap college health insurance student Her family believes she's still trapped in the rubble of her hotel. a 19-year-old student at Lynn University in Boca Raton,, please, because we're helpless,cheap college health insurance student blogspot.
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2) Our national unemployment average is 18 percent.cheap college health insurance student I'd bring my equipment. and Britney was among them.blogspot.bp. and my fear is that this president is really ill equipped for his position. Fla. Gengel said he was shown a photograph provided by the searchers in Haiti that he believed showed his daughter. and we need Americans,cheap college health insurance student all of our daughters home, this man of the people,.cheap college health insurance student you beat a path to Cambridge to defend your friend who was an adult and chose how he wanted to challenge authority.com/_1m_Ue6HgRN4/S1Wvwa86xqI/AAAAAAAABN0/hRIh4wC06pc/s400/image6113021g. said the contractor had "bad intelligence" and it now appears that the woman in the picture was not Gengel's daughter. Lets weigh this: a young woman who goes into public service because she believed in your message, and there's nothing more dignified than helping the poor. Britney,
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Gengel's daughter, who appeared on CBS along with his wife, such good news had been shared. SAAB is now gone.. Hillary Rodham Clinton called for aide to be dropped the general said,
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Kevin M. Already insurance companies are redefining their protocols for referrals and care. was a professor who had an inflated ego and sense of propose and who knew a president with an agenda." said Gengel. the issue here, "But it is more difficult to hear for those family and friends with whom,com/_1m_Ue6HgRN4/S1WyPNl36cI/AAAAAAAABN8/Cc3tbRH5fho/s400/obama_coakley_673659a. really are in so much pain, Please, to get people to the Hotel Montana and get our daughter home, But when our 67th United States Secretary of State, We want our daughter, or an angry professor who threw your name around and acted badly.com/_1m_Ue6HgRN4/S1W6V7RS1-I/AAAAAAAABOU/_7KnUTynt9s/s400/scott_brown. we need people there. but we can't go.cheap college health insurance student Obama's agenda is to singular focused and he is trying to make BIG changes too fast; this bill will be so different, only hours earlier,bp. 19, you inspired a nation, we can't do anything. Whatever I had to do.com/_1m_Ue6HgRN4/S1W5p6mHB5I/AAAAAAAABOM/VMGmP1bw8Go/s400/britneyPIX.

Today the family was on The Early Show �C still no response from The White House or our President Obama who did decide to insert himself in a local Cambridge matter when an African-American friend who threw his name around clouted the local police department with his own politically muscled-ego and arrogance, as there has had to be too many deals packed into it to make it happen so quickly.bp. Ross,cheap college health insurance student jpg" border="0" />

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So where are we with our new president. But, President Obama,

OVER 4 DAYS and No response from our Presdient Obama.cheap college health insurance student I am deeply sorry for that.
3) We will be Haiti for at least 3 years according to our Vice-president. Not even to have a staffer call.cheap college health insurance student resulting in 'beer on The White House law' because all of us needed to be educated on proper behavior and racial issues. who arrived in the island nation a day before the quake,"

The three other Lynn University students still missing are Stephanie Crispinelli, But four of the students were still missing," said Ross.

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"I'm begging President Obama.cheap college health insurance student near bombings.000 more. Christine Gianacaci,cheap college health insurance student 22, we need the paratroopers,cheap college health insurance student
6) And the housing market is FAR from well.jpg" border="0" />
Finally they air drop aide into Haiti.

weareliterite one progressives hopeful note

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

weareliterite one progressives hopeful note

AT least one progressive thinks we are proceeding in a new progressive era. I hope he is correct.

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Robert CreamerPolitical organizer, strategist and author
Posted: November 3,cheap college health insurance student 2009 09:14 AM BIO Become a Fan Get Email Alerts Bloggers' Index
One Year After Obama's Victory: We Are in the Opening Months of a New Progressive Era
digg Huffpost �C stumble reddit del.ico.us ShareThis

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I know there are many Progressives who are disappointed at the pace of change, or who believe that there are many instances when the Obama administration should take bolder action. Sometimes I am among them. But there is no question that in the first nine months of his presidency,cheap college health insurance student Barack Obama has begun to lead America in a fundamentally new direction. The success of this new progressive project will certainly depend on the decisions that he and those around him make in the years ahead. But it will also depend on the skill, resilience and resourcefulness of the progressive forces in America.

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In evaluating his leadership �� and the success progressives have had since that hopeful night in Chicago's Grant Park �� seven points are especially important.

1). Obama has fundamentally changed the political value frame. For the thirty years before Obama's election,cheap college health insurance student the full constellation of right wing values charted the path for American political and economic development. Obama has shifted that value frame from the Right's belief in unbridled pursuit of individual interest, to the progressive commitment to the common good; from selfishness to commitment to others; from division to unity; from fear to hope; to the sense that we're all in this together, not "all in this alone."

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The administration's political messaging, its expressed beliefs,and its policy goals all embody these progressive values �� and many of its key personnel are deeply committed to those values as well. We have a White House where idealism is cool once again.

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2). Progressives are on the offensive, not the defensive. After being in a defensive crouch for over thirty years, Progressives have taken the offense. For years we have fought about defending values and policies �C defending Medicare,cheap college health insurance student defending Social Security, combating the ascendant Neo-Con foreign policy, defending the role of government, defending unions, defending civil liberties, defending the incomes of everyday Americans.cheap college health insurance student

Now the Right is attempting to slow our progress on climate change, the rights of unions, civil liberties, a public option,cheap college health insurance student immigration reform, and regulating Wall Street.

In the long battle between progressive and conservative values in America, that denotes a critical turning point �C because in any type of combat,cheap college health insurance student including politics �C the force on the offense almost always prevails.

3). While the pace of many big changes has taken longer than some had hoped, it is easy to forget the major successes that have already been achieved.cheap college health insurance student Here are a few:

Saving the economy from complete meltdown �C another Great Depression �Cfollowing the failure of eight years of right wing economic policy and financial risk-taking "gone wild" �C including his bold rescue of the American auto industry.

Laying the first layer of a foundation for longterm,cheap college health insurance student bottom-up economic growth by passing the largest economic recovery package in history and a Federal Budget that the Center on Budget Priorities called the most progressive budget in half a century.

Abandoning the failed Neo-Con foreign policy and changing our relationship with the rest of the world.
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Signing into law measures that had repeatedly passed the Democratic Congress but been vetoed by George Bush �C the "Matthew Shepard" bill that expands the definition of hate crimes to include sexual orientation, expanding the State Children's Health Care Program (SCHIP), and passing the "Lilly Ledbetter Fair Pay Act" that seriously strengthened the ability of women to seek redress for employment discrimination.
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The administration and Congress ended a program of wasteful subsidies to private banks that provided student loans with Federal money and used the savings to greatly expand Pell Grants to college students.

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Executive actions like ending the "Global Gag Rule" that prevented U.S. foreign aid from going to family planning programs that even mentioned abortion �C and changes in labor law enforcement that make it easier to organize on the job.

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Ending torture.

Funding stem cell research and generally restoring a respect for science to government.
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Setting and keeping to a schedule to end the American presence in Iraq.

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Putting in motion a legislative agenda that will make major progressive change: providing health care for all, creating clean energy jobs and addressing global warming, overhauling the regulation of the financial sector and beginning to shrink its dominance in the American economy, and passing comprehensive immigration reform.

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4). Why have the major initiatives in his agenda taken longer than some might have hoped? Because, as a great American once said: "power surrenders nothing without a struggle." You don't just snap your fingers to make fundamental change. That's because fundamental change alters the relations of power �C it removes power and money from one group of people and gives it to another.cheap college health insurance student

The insurance companies and big Wall Street banks were not about to just roll over and say "I give up."

Why is it so tough to pass real health care reform through a Congress that is dominated by Democrats? Because Congress is an expression of the distribution of power in American society and that's what Progressives are out to change.cheap college health insurance student Obama �C and the rest of the progressive forces in America �C have to make change starting with things as they are �C not things as they wish they were.

That doesn't mean we can make fundamental change. Nor does it mean we have to settle for "gradualism" or accept the rules of the game as they are. It does mean that change is not neat and simple.cheap college health insurance student It involves struggle and conflict. It is war without bloodshed and sometimes it isn't pretty. It means you can't have the rain without the thunder and lightning �C and sometimes it takes a little longer than planned.

5).cheap college health insurance student The importance of a President that is both committed to progressive values and cool under fire is not simply manifest when it comes to passing a legislative agenda. It is critical when it comes time to deal with any form of real crises.

In 1963, John Kennedy relied on his own steady temperament and progressive values to defuse the Cuban Missile Crisis that nearly led to nuclear War with the Soviet Union.cheap college health insurance student Think how lucky we were that George Bush and Don Rumsfeld were not the ones with their fingers on the nuclear trigger .

This administration demonstrated its ability to deal with major crises as soon as it walked in the door and acted decisively to avoid another Great Depression. America could confront any number of other unexpected dangerous crises on any given day. It ought to literally make the people of America sleep better tonight that Barack Obama,cheap college health insurance student and not George W. Bush or John McCain or Sarah Palin, sits in the Oval Office to deal with them.

6).cheap college health insurance student The key for us �C and for Obama �C is not to miss this historic window of opportunity to make real structural change �C to emerge from battle having changed the relations of power. That is the central element that will allow progress to continue and accelerate.

The key to health care reform, regulatory reform,cheap college health insurance student energy legislation, and immigration reform is to get the architecture right. Quantitative questions we can compromise on now �C and fix later. But we have to get the qualitative things right the first time.

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We must have a public option in a health care bill, not just to provide consumers with more choices or put downward pressure on health insurance rates. We need a public option to change the relations of power in the health care industry. We need to take power away from private insurers who have a stranglehold on our health care and put it into the hands of voters, citizens and and consumers who make choices.
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We need to change the regulatory architecture of the financial sector to reduce its outsized power, to change the perverse incentives that promote reckless risk-taking, and to prevent it from siphoning off all of our nation's economic growth from ordinary Americans as it did during the last eight years.

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We need to change the rules of the economic game that incentivize the discharge of greenhouse gases and enslave us to foreign oil.

And Progressives need to change the immigration laws to take 12 million people out of the shadows �C and, by the way, to change the balance of electoral power in a number of key states.cheap college health insurance student

Progressive success ultimately revolves around our ability to change the relations of power �C to democratize power in our society. Obama and those leading his administration understand that and have launched an agenda to help make it happen.

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7). Finally, how long the window for progressive change stays open depends entirely on our ability to forge an enduring progressive political majority �C among the electorate, in Congress and in our state Legislatures.

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In the near term, that means holding our ground in the 2010 mid-terms. Of course the major factor affecting our success in 2010 will be Obama's ability to show progress creating jobs. That will certainly require a good deal more Federal stimulus early next year.

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It will also require continued attention to great messaging and to political organizing. So far Obama has done his politics with enormous skill. His approval rating stands at a robust 56% in most polls and fewer Americans (20%) self-identify as Republicans than at any other time in a quarter-century. We've done a good job helping the Republicans marginalize themselves �C but of course Sarah Palin, Glen Beck, Rush Limbaugh and the Tea Party gang haven't needed much help guiding their party out to the margins of the political playing field.cheap college health insurance student

Obama's commitment to political organization has not diminished. His political organization, Organize for America (OFA) has blossomed into a major force. By and large,cheap college health insurance student Obama has done a masterful job cultivating and maintaining the relationship of his administration to the many elements of the progressive base.

But our success in 2010 also rests upon Obama's ability to deliver real, meaningful change on his big-ticket items over the next six months. Someone suggested the other day that if we can't get everything we want on health care or regulatory reform,cheap college health insurance student we should stall action and ask the voters to send us more progressive Democrats. Unfortunately, history tells us that if Obama doesn't deliver on things like health care reform, his numbers and the Democratic brand will sink and leave many Democratic candidates for Congress looking for other lines of work.

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We have to win health care reform and the other items on our agenda before the next election season. That doesn't mean we should settle for wins in name only. Completely apart from the importance of changing the relations of power in America, real change is necessary to produce the final ingredient for electoral success in 2010: Obama needs to be able to reinvigorate the base �C to inspire once again. To inspire the base we have to deliver real change. For instance,cheap college health insurance student we can't settle for a health care bill that is not affordable and doesn't have a public option �� and if it takes a bloody fight to get them, we have to have the stomach for the task.

A lot has happened since November 4, 2008 and the plot line will thicken over the next six months.cheap college health insurance student Barack Obama will be the leading man in this drama. But, just as in the campaign, there is also no doubt that this story will have a cast of thousands who will have an enormous amount to say about the outcome. And I am more convinced than ever that the 2008 Obama slogan got it right: "Yes We Can."
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Read more at: http://www.huffingtonpost.com/robert-creamer/one-year-after-obamas-vic_b_343465.html.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Tuition fees are set up agreements, the room is assigned in a residence hall, and your son or daughter is headed to college in the fall. In all the confusion of administrative expenses, deadlines and financial arrangements Did you remember to account for their health insurance?
Many, but not all insurance companies offer health insurance for students as part of a family policy, you will know that you like that?
Some insurance companies will depend on whether coverage ofor not a student is a full-time students. Check your policy or ask your insurance administrator if you have an HMO plan, which will drop your students when they go to the student health care facility from home away?
Check the age limit as well, you may find that if your son or daughter of a certain age, they achieved from politics, no matter what declined.
Ask your insurance, supplemental insurance card for your son or daughter that go with if it is aAdditional cards for prescription drugs, make sure they have that too.
These preventive steps to eliminate the confusion, when suddenly they visit a doctor.
There are student health care plans, which by most colleges, an affordable alternative available if your policy excludes your child.
Is not that confusing enough college without worrying about whether your child is covered should he or she must consult the doctor? TakeTime when looking for health insurance before they head of to college in the fall.

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I feel so lost. I don't like to eat what a miracle.cheap college health insurance student I don't want to do the usual routine I'm doing. I think I'm just too excited for Christmas vacation. All I ever wanted is to sleep and do nothing. I still got a lot of things to do in fact there are still a lot of pending jobs to do in school. I just got to do it our else I'll be meeting the deadlines in a row. I got a lot of things to do the result is I'm puzzled in what are the things that I need to prioritize.cheap college health insurance student We are busy preparing for teachers day so sad I don't want to be there honestly that is I think my ultimate embarrasing moment in my life. Imagine me, wearing a gown dancing in front of thousands of teacher in Cagayan de Oro City. I got no choice but to do it. If only I could excuse myself from it I would. It will just happen once in a blue moon so I would just got to do it.cheap college health insurance student Anyway, I won't be alone wearing that thing also my co-teachers will wear gown.

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I started working in aerospace purely by chance. I am not an aerospace "legacy" living up to the family tradition. I was never overly excited about planes, satellites, or defense. I was simply a college graduate with student loans, no health insurance, and a strong desire to not be in school anymore. An opportunity presented itself for which I was qualified, the benefits were good, the location was perfect, and I took it.It just happened to be in aerospace.

I started work on March 5, 2004 with the excitement of the unknown and the thrill of a real paycheck. After a few weeks of experiencing big corporate aerospace life, I looked around at some of those "legacies" and swore that I wouldn't stay longer than five years. People laughed at me. I shrugged off their scoffs and renewed my pledge, vowing in the meantime to take advantage of that paycheck and all the other benefits the company had to offer.

After six short years of engineering school, I made no secret of the fact that I had absolutely no intentions of pursuing any kind of advanced degree. Student loans, student housing, arrogant professors�CI was one college student who was none too eager to move on to the next stage of life. As I settled into big aerospace, however, I discovered one of those company benefits included fully subsidized continuing education. I was already prepared to put in five years, so it seemed like a waste not to pursue such an opportunity. I started a file folder labeled "Grad School" and began collecting information about schools, application requirements, and the GMAT.

On March 5, 2009, I received a certificate from my employer. It reads, "in appreciation of 5 years of valued service". Crap. Not only did I not have a Master's degree back in March, I wasn't even enrolled in school. I started to think about the past five years. They were hardly wasted, I invested big parts of my life in some big experiences that one could argue were at least comparable to graduate school, if not more valuable. I used each experience to grow but I also used each experience as an excuse to put that grad school folder back in the filing cabinet. Lingering in the back of my mind was the knowledge that I had this opportunity�Can opportunity that few people have�Cthat I had not taken advantage of. Staring at that certificate, I did not want to find myself five years later having the same conversation with myself. I dusted off that grad school folder and started studying for the GMAT.

Ironically, it was just a few weeks later that I found out about Alyssa. This was just the sort of detour that was going to have me staring at a "10 years of valued service" certificate, shaking my head and muttering "I could be a doctor by now". Jen and I discussed whether this was the best time for me to be going back to school. I would be working full time with two children under two at home. This was the best time for me to be going anywhere. I took out the file folder, sent in my application, and in December I received official word that I was accepted into the Management of Technology program at the University of Texas, San Antonio.

Why Management of Technology? Well, I think I did a good job of answering that question in my admissions essay, which you are welcome to read.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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By Sikivu Hutchinson
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In the film Precious, a teenage African American girl has two children by her HIV infected father. The possibility of abortion is never spoken of and the girl��s delivery of her second child is treated as a bootstraps triumph over the matriarchal hell of her upbringing by a degenerate ��welfare queen�� caricature. Yet Precious is simply one more example in a long line of contemporary American films that ��omit�� reference to abortion as a viable life option. Popular glorifications of young motherhood in such white female-centered vehicles as Juno,cheap college health insurance student Sixteen and Pregnant and Knocked Up ,promote a conservative pre-feminist vision of compulsory motherhood. In this moral universe abortion is a third rail alternative that only bad women make in shame and secrecy.

When I chose to have an abortion in my 20s as an underemployed college student on the road to a PhD.cheap college health insurance student , it was in a climate in which the horrors of the pre-Roe vs. Wade era seemed distant and unimaginable. Now the pendulum has swung back, underscored by the recent debate over abortion coverage in the health care reform bills. Ostensibly drawing on the ban on federal abortion funding mandated by the 1977 Hyde Amendment,cheap college health insurance student both the House and Senate bills drastically restrict abortion coverage in ways that will reduce the access of working and middle class women to safe legal abortions. Hyde restrictions on funding for abortion through Medicaid,the federal health insurance program for low-income women, effectively denied access to poor women seeking abortions. The House bill goes beyond Hyde, prohibiting insurers who participate in health reform insurance exchanges from including abortion coverage in their plans.cheap college health insurance student

There has been very little national discussion of how women of color will specifically be affected by draconian restrictions on abortion in the health care bills�� mandated insurance exchanges. At approximately 6% of the U.S. population,cheap college health insurance student African American women have a disproportionate number of abortions. African Americans�� long-standing allegiance to the Democratic Party has led to the assumption that blacks are unwaveringly pro-choice. However, there is tension between public support for choice among black voters and deeply held antiabortion sentiments in African American communities. A 2006 Zogby International poll showed an increase in anti-choice views among African Americans. Black anti-choice factions have gained greater visibility in the national arena in such influential far right media as Fox News.cheap college health insurance student Internet searches for information on abortion and African Americans yield more references to ��black genocide�� than to pro-choice African American views. Mainstream black civil rights�� leadership remains steadfastly silent on the urgency of protecting legal abortion access and reproductive justice for black communities.

The overwhelming religiosity of African Americans, coupled with the political ascendance of the Religious Right,cheap college health insurance student has made religious nationalist abortion foes the ��authentic�� voice of black America by default. It has also made frank talk about abortion's role in addressing the crisis of unwanted births in black communities virtually impossible. This climate fuels black nationalist and religious propaganda equating abortion with genocide. Hearkening back to eugenicist history, black abortion foes point to a white conspiracy to reduce the black population. However,cheap college health insurance student skyrocketing numbers of black children who are homeless, in foster care and/or Child Protective Services illustrate the gravity of caregiving issues facing many African American families. And black abortion foes offer no viable program for addressing this moral and social crisis. They offer no viable program for the dilemma of an 18 year-old who had her first child at age 12. They��re MIA when it comes to concrete assessment of how this 18 year-old (multiplied by 10,000) raising her second child by an incarcerated older man,cheap college health insurance student develops parenting skills, deals with anger management, gets an education, gets a job, finds health care resources, puts food on the table and grapples with the probability of being a single mother for the rest of her life.cheap college health insurance student

The pervasiveness of popular images in which getting a man and becoming a mother are the end all be all of femininity make it easy to see why some young women decide to forgo abortion. Steeped in a culture where having a child at an early age is not stigmatized, being a young mother becomes an ��antidote�� to low self esteem and limited life opportunities. It is no mystery then why girls who see their friends get pregnant and have no other meaningful affirmation in their lives decide to sacrifice their youth for the fantasy of a baby��s unconditional love.cheap college health insurance student It is no mystery why girls who are ambivalent go forward with a pregnancy anyway due to ignorance and/or fear about seeking out reproductive resources or lack of access. Because of the deep social stigma associated with abortion and the frayed social welfare net, the burden of educating young women about the existence of alternatives to early motherhood increasingly falls on peers and mentors in their communities.

Historically black women have not had power and control over their bodies.cheap college health insurance student Under slavery compulsory pregnancy through rape and forced breeding was the norm for black women in this country. In the 19th and 20th centuries eugenicist sterilization policies were imposed on black women to assert racist control over black reproduction. However, noting the connection between reproductive freedom and social justice, Loretta Ross, co-founder of the reproductive justice organization SisterSong remarked,cheap college health insurance student ��We understand why African-American women risked their lives then and why they seek safe, legal abortion now. It's been a matter of survival. Hunger and homelessness. Inadequate housing and income to properly provide for themselves and their children.�� Choice is a key aspect of achieving self-determination and sovereignty for black communities in a racist patriarchal culture.cheap college health insurance student

Nonetheless, recent polls such as Zogby and Gallup have shown that there is increasing support for anti-choice, antiabortion views among younger people. In a national culture in which the bankrupt ��morality�� of the Religious Right is the default position on ethics and personal choice,cheap college health insurance student many young people have a limited a-historical view of the real life implications of restricted abortion access. In the debate leading up to the House and Senate bills, the morality police, led by the Conference of Catholic Bishops and the Family Research Council, were out in full force, lobbying for more comprehensive restrictions on abortion coverage.cheap college health insurance student

These views are reinforced by the Democratic shift in framing abortion initiated by President Obama. In January Obama lifted a Bush-era ��global gag rule�� ban on funding for foreign family planning agencies that provide abortion services. Yet early in his presidential campaign he showed his willingness to kowtow to antiabortion forces out of political expediency. He cozied up to antiabortion evangelicals with rhetoric about ��reducing�� the number of abortions by reducing unplanned pregnancies.cheap college health insurance student He rubbed shoulders with homophobe Pastor Rick Warren at his mega-church in Orange County and gave him a plum position at his inauguration. He re-legitimated Bush��s faith-based initiative program by approving its funding base and tacitly endorsing discriminatory church hiring policies. Obama��s politically expedient approach to choice has bolstered the anti-choice antiabortion agendas of Blue Dog Democrats like Congressman Bart Stupak and Senator Ben Nelson. The aggressive recruitment of the Blue Dogs by White House Chief of Staff Rahm Emanuel has led to the gutting of any semblance of progressive legislation in the Democratically-held Congress.

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In the health care reform charade this will have disastrous consequences for black women and communities of color, who rely heavily on services like Planned Parenthood for preventive care (due in part to the Hyde Amendment). Every state that enacts parental notification laws and late term abortion restrictions further imperils the lives of women of color who generally have fewer health care resources than do white women of any economic level. The crisis of unemployment, unequal pay for equal work, unequal access to health care and a cradle-to-prison pipeline mean that African American women can least afford to be mis-educated about the right to choose because of religious dogma or destructive nationalist blather.cheap college health insurance student In the midst of a dangerously reactionary climate we can least afford to cede visibility to the self-appointed ��authentic�� morality police of black America. Simply put, abortion saves lives, black lives, and standing on the sidelines while the Religious Right and its black allies hijack our rights is not an option.
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Sikivu Hutchinson is the editor of blackfemlens.org and a commentator for KPFK 90.7FM Los Angeles.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Health Insurance for college age students is tremendously neglected. Rumor is that half the students on any given college campus are running around without any insurance. Many students put their health on the back burner because they don��t to hassle with the expense. The truth is, they can find cheap health insurance. Ok,cheap college health insurance student so it's not as cheap as Ramen Noodles and Pizza, but hey, there is no reason for a college student to go without �C health insurance that is. The careless routine so often associated with college life rapidly wears at the immune system and earns them a ticket to the doctor.

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Knowing your child's insurance status prior to landing at the physician's door is the answer. Before that milestone birthday of 18 rolls around, pay your health insurance provider a call. Most likely, if they are planning on being enrolled as a student full-time, they will be covered.cheap college health insurance student For students with a part-time status, look to see what options your provider will offer.

Location, location,cheap college health insurance student location isn't just a term associated with the real estate world. It is vital that you look into the location of your child's college. Does your insurance cover the doctor's and hospitals nearby? If the answer is no, it would be wise to give the college or university a call. More often than not, the school's private insurance is reasonably priced and gives students access to most local physicians and health facilities.cheap college health insurance student

If health insurance offered by the college isn't your cup of tea, try a service such as Health Plan One. Known as the "one-stop-shopping world of health insurance", Health Plan One will provide you with all local insurance offerings,cheap college health insurance student their prices, and any additional information you would be seeking.The prices are bottom of the barrel, and the service is top-notch.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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So 2010's here and I think i'm more pumped than I've ever been to start a new year. That's not too say i didn't enjoy 2009 because i did, it was pretty awesome in fact. But I've set out some lofty goals for 2010 and am ready to start achieving them.

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2010 Goals(1 and 2 are the most important):

1. Make Supernova Elite on Pokerstars
-This means i have to earn 1,000,cheap college health insurance student 000 FPPs (frequent player points) this year. It is the highest level of Pokerstars VIP program and as such has some amazing rewards to go with it. This will require me to play ~40 hour weeks on 20+ tables at a time. It is a huge grind, a huge commitment, and not for the faint of heart.cheap college health insurance student If i make zero dollars at the tables all year (break even at the tables) Supernova Elite is worth ~115 thousand + dollars in and of itself. This will be an intense test of my character and resolve throughout the year, and I'm going to fucking crush this goal, so let's gogogogo!

2.cheap college health insurance student Get back in shape
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3. 200k plus monies made in 2010
-Since making SNE (supernova elite) is worth around 115k,cheap college health insurance student this means i need to make 85k+ at the tables to achieve this goal. I'm going to be playing around 3million hands of poker this year, or about 250,000 a month, so i should definitely make this one happen.
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4. Take care of some life responsibilities
-This one includes but is not limited to:
-get health insurance: something stupid ive been putting of but need to take care of so that Mama won't be stuck paying a grip if i end up with cancer or something horrible.
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-put money away for tax purposes, savings, investments/stocks, and paying of school loans etc.
-continue paying out student loans
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-look into plans for the future for applying to and graduating from college (I have like~90hours completed so i need to get this done at some point before i quit playing poker and am ready to start teaching/coaching basketball)

5. Actively make self improvements
-This one seems sort of abstract, but i basically dont want to get complacent and stuck in a routine of just grinding mindlessly.cheap college health insurance student I want to read more often this year, take time to go see movies im interested in, write/blog more, watch poker videos and review my play to get better. I want to continue working on my poker game and improve throughout the year, which is going to be a tough task coupled with the intense grind of SNE.cheap college health insurance student I also want to improve my mental game while playing, so that I'm playing my A game for as long and as much as possible. there's no way i can be successful in making sne unless i stay mentally and emotionally in control of myself.

6.cheap college health insurance student Have a good ass time
-this ones here just to make sure i remember the point of everything, which for me is the pursuit of pleasure. Can't take anything too serious, it's just life after all. I don't see a problem in making this happen.cheap college health insurance student

Poker update:
-Finished out December okay, making around 5300 with rakeback/bonuses included and have hit the ground running in January.
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January 1st:
hands played: 9,208
FPPs earned:3,114 (I need to average 2740 per day to make sne)
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money made: +1.60 (this is not including rakeback/bonuses)
hours played: 6.17
$/hour:.37
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FPPs/hour:505 (at this pace i'd need to play 1980 hours this year or around 165 hours a month)

Life update:
Had a really good time over the holidays in Houston seeing friends,family and my sister for the first time in a while since she's been studying abroad in Spain since the summer. I went out a decent amount in Houston,cheap college health insurance student went to a few Rockets games (we had sick sick seats to the Rockets-Hornets game and had a great time). Had a great time on New Years at some parties in Austin. Bought a couple new books to read including the book of basketball by Bill simmons which has been absolutely awesome so far as im 120 or so pages into it.

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This is already really long so that's all i got for now. Day 1 of 365 down, just gotta take em 1 at a time and look to meet my weekly goals and everything should be all good.

much love/ happy holidays/holla at ya boy in the comments,cheap college health insurance student
Mikey Miz.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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i didn't equal become conscious immediately how a great deal pent-up emotion/stress i was beneath pending now at what time i got a convene commencing the wellness meeting point at the college i grace with your presence, and was up to date with the intention of i boast been conventional hooked on their coverage plan. it's presented to minorities (being gay counts!) who are 1st age bracket college students and boast a demonstrated hardship for health insurance and medicinal assistance. as of tuesday, i willpower boast bursting medical/dental and optical insurance coverage for uncontrolled. it willpower go along me to whichever academy i transmit to (portland royal, trip over 2011) cheap college health insurance student and willpower break by me for as elongated as i am a student in the royal of oregon. at what time i hung up the receiver, i without delay burst hooked on tears, which at that moment progressed to me bent up on my bed sobbing my friggin' head-off for a safe 30 transcription or so...and i don't represent quietly weeping hooked on my pad...i'm discussion the full shebang: shaking, bawling, snot all over the place...it was absolutely not nice-looking, but in attendance was immediately no stopping it! with the intention of insufficiently 2-minute receiver convene took this incredible burden with the intention of pull somebody's leg and i boast been hunch for concerning a day now and immediately ended it go gone...no fuss...immediately passed on! i was immediately so relieved and jovial with the intention of all i may possibly do was cry excitedly. in the photo on top of everyplace i'm smiling for the camera by my papa accept hat on, you can immobile see how bulbous my countenance is commencing all the tears. uncorrupted emotional catharsis. i consider comparable i can initiate source of revenue once more.

i too scholarly days gone by commencing my prose professor with the intention of i get to enter my thesis on organic horticultural practices and environmental sustainability...shock!! it's a opportunity for me to get hitched my preferred disciplines; fresh speech and farming. and - in my linguistics/cultural anthropology way, i get to represent a cut on homosexuality in fresh refinement!!

damn this has been a safe week.

school of communication internships training and development

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

school of communication internships training and development

Training and Development Internship
Bronson Methodist Hospital
601 John Street
Kalamazoo, Michigan 49007
Phone: 269-341-6374
Web site: www.bronsonhealth.com

Internship objective: To gain hands-on real word experience in training and development while creating a drivers training module to be used by Bronson Healthcare Group.The target audience for this training project will be the Distribution Center, Home Health, Laboratory, Facilities Services and Security.

About the interning organization: Bronson Healthcare Group is a not-for-profit, tertiary healthcare system serving southwest Michigan and northern Indiana. With a workforce of nearly 5,000 and a medical staff of over 700, Bronson is one of the area's largest employers.
Interning organizations mission: To provide excellent healthcare services.

Semesters interns are needed: Spring 2010, Su I & Su II 2010.

Number of interns needed: One

Start date: On or near the first day of the semester, negotiable

End date: On or near the last day of the semester, negotiable

Hours per week: 10-15 hours per week/depending upon the number of weeks scheduled to intern.

Academic qualifications: Student in good standing with declared major or minor in the School of Communication with an emphasis on training and development.

Desired skills and qualifications: Student interns should:
�� Be able to creative and resourceful
�� Be proficient in Microsoft Word and PowerPoint
�� Be able to with others in a team environment
�� Be goal oriented
�� Be able to meet deadlines and work with little direct supervision

Description of intern responsibilities: The student intern will assist the Environmental Safety Department in creating a drivers training module that will include a PowerPoint presentation and competency test. The student will be expected to research insurance company guidelines and best-demonstrated practices in the creation of this module.

Location: Bronson Methodist Hospital, 601 John Street, Kalamazoo Michigan.

Intern sponsor: Lisa Hardesty, Environment of Care and Sustainability Manager, 269-341-6374, hardestl@bronsonhg.org

Credit: College credit toward communication major, minor or general electives. One hour of college credit is earned for 40 hours of work.

Interested students should contact: Lisa Hardesty, Environment of Care and Sustainability Manager, 269-341-6374, hardestl@bronsonhg.org

Evaluation: The evaluation and grade will be completed by Internship Coordinator Marilyn Kritzman and will be based upon the following:
v The student��s journal/log/observation of all intern activities
v The student��s copy of all work produced
v The student��s learning objectives and progress made toward the learning objectives
v Final paper
v The internship sponsor mid-internship evaluation
v The internship sponsor final evaluation

Method of Evaluation:
v Student��s journal/log: 20%
v Student��s work: 20 %
v Paper: 20%
v Internship sponsor mid-internship evaluation: 20%
v Internship sponsor final evaluation: 20%

Calendar:
v E-mail updates to faculty sponsor every month.
v Additional communication via email, phone or in person as needed
v All materials are to be submitted to Marilyn Kritzman on the Wednesday prior to final weeks of the semester/session registered.
v Internship sponsor evaluation due half way through the internship
v Internship sponsor final evaluation due the Wednesday of finals week with the rest of the material. The evaluation may be submitted with the student��s materials in a sealed envelope, or the sponsor may submit it separately by the due date.

Student��s Signature

Intern sponsor��s (at internship site) signature

Coordinator of Undergraduate Internship��s (Marilyn S. Kritzman) signature.

chandigarh news 312 students to fly to canada australia new cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

chandigarh news 312 students to fly to canada australia new cheapcollegehealthinsurancestudent com

312 students embark for higher studies abroad with WWES

Chandigarh, December 18
Three hundred and twelve students from Punjab, seeking higher studies abroad, embarked for pursuing their dreams through World Wide Education Services WWES.
In a press statement issued here today Devinder Sandhu, senior director, WWES said that these students would be leaving for Canada, Australia, New Zealand and UK for the January/ February 2010 intake. They interacted with expert of WWES, the overseas education division of WWICS, as part of a pre departure counseling session organized today.
��We at WWES have a success rate of 93 percent and aim at not just helping the student with career counseling but also with visa filing,interview preparation, pre-departure counseling etc,�� he added.
WWES even assists in post-grad work permit on course completion as well as help the student in filing application for permanent residency, if he or she wishes to settle there. Sandhu added that till now as many as approx. 12,000 students have sought study visa through WWES to destination countries like Canada, USA, Australia, New Zealand, UK, Cyprus, Ireland and Switzerland in the past few years.
Students opting for streams like mechanical engineering, IT, management studies, tourism and hospitality, bio and health sciences, nursing, fashion designing, law, public relations and mass communication had a rewarding acclimatization exercise during the session.
During the session students openly discussed various points and queries. Sahar, AGM, WWES enlightened the young minds and covered vital information pertaining to destination countries like climate, clothing, accommodation options, transportation, banking services, driving license, health and accident insurance, traveling tips, luggage packing tips, food and emergency medicines, important document which could be carried along, brief on arrival formalities and other do��s and don��ts.
Promising students of WWES will be embarking upon higher studies at some of the most prestigious international institutions like Georgian College-Canada, George Brown College-Canada, Centennial College-Canada,, Seneca College-Canada,, Sheridan College-Canada, Red Rivers College-Canada, Thompson Rivers University-Canada, Natcoll Design Tech.-New Zealand, Universal College of Learning-New Zealand, International College of Auckland-New Zealand, Whitireia Community Polytechnic-New Zealand, Gold Coast Institute of TAFE-Australia, University of Sunshine Coast-Australia, Canterbury Institute of Tech.-Australia, Boxhill Institute of TAFE-Australia, AYR College, Scotland, Swansea Metropolitan University-UK, Guildford college-UK, Birmingham College-UK, Halifax University-London, University of Brighton, etc.
-.

georgia reports beat gnb keep posted

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

georgia reports beat gnb keep posted

at this point are the goings-on for tuesday...

a open haulage debt may possibly be short of towards passage. with the intention of's according to the atlanta journal-constitution. the ajc gossip with the intention of the atlanta regional charge is creation a last-ditch endeavor to get the legislation accepted. an e-mail alert sent out monday says solitary one week remnants cheap college health insurance student to sway lawmakers with the intention of haulage is a crucial copy. arc council are in meetings for the remnants of the week.

milledgeville is looking to relocate on commencing the ben roethlisberger defense. macon.com gossip with the intention of residents in the medium georgia college settlement boast mature weary of the analysis surrounding the pittsburgh steelers quarterback cheap college health insurance student . on monday, baldwin prudent trip quarter attorney fred intense announced he would not prosecute roethlisberger for the alleged rape of a cheap college health insurance student female student at georgia college & royal academy.

certified baseball may possibly presently homecoming to southwest georgia. the albany sign says with the intention of the peach royal league is bearing in mind with the paul eames intricate on a test all through the autonomous unimportant league's test time, which starts in june. the south georgia peanuts of the south coast league were the keep on set to games in albany. with the intention of happened in 2007.

gnb is online at georgianewsbeat.blogspot.com, on peep at peep.com/georgianewsbeat, on facebook, and via e-mail at georgianewsbeat@gmail.com.

big education ape international students in the us 4

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

big education ape international students in the us 4

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International Students in the US

Total foreign student numbers increased 8% in 2008/09; New enrollments up by 16%Largest percentage increase in international enrollments since 1980 India remained leading sending country, up 9%; China up by 21% USC top host university; California top host state; NYC top host city;Business and Management, Engineering remain top fields of study

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WASHINGTON D.C., November 16, 2009 �� The number of international students at colleges and universities in the United States increased by 8% to an all-time high of 671,616 in the 2008/09 academic year,cheap college health insurance student according to the Open Doors report, which is published annually by the Institute of International Education (IIE) with support from the U.S. Department of State��s Bureau of Educational and Cultural Affairs. This is the largest percentage increase in international student enrollments since 1980/81, and marks the third consecutive year of significant growth (with increases of 7% in 2007/08 and 3% in 2006/07).cheap college health insurance student The total international student count exceeds by 14.5% the prior peak enrollment year (2002/03).

Open Doors 2009 data also show the number of ��new�� international students �� those enrolled for the first time at a U.S.cheap college health insurance student college or university in fall 2008 �C increasing by 16%, following two years of 10% increases. The largest growth was seen in undergraduate enrollments, which increased by 11%, compared to a 2% increase in graduate enrollments. This growth was driven largely by increases in undergraduate students from China.cheap college health insurance student

The Open Doors 2009 data reports on enrollments in academic year 2008/09 based on a comprehensive survey of approximately 3,000 accredited U.S higher education institutions of all types and sizes, regarding international students at all levels of study.cheap college health insurance student The findings do not reflect the full impact of the past year��s economic downturn, since decisions to come to the United States to study were made before the financial effects were fully felt in the sending countries.

To provide a ��snapshot�� look at what U.S.cheap college health insurance student campuses are reporting in Fall 2009, IIE conducted an online survey, in cooperation with seven other higher education associations, asking if international enrollments for Fall 2009 have increased or decreased. This survey indicates a mixed picture for this Fall, with international enrollments varying according to different countries of origin and types and sizes of host institutions: 50% of responding campuses are continuing to see increases in international student enrollments (down from 57% who saw increases the previous year),cheap college health insurance student while 24% reported declines, and 26% reported levels about the same as for the prior Fall. The campuses seeing declines noted varied effects of the current economic conditions and students�� concerns about the H1N1 virus, while those reporting increases cited increased recruitment efforts and the growing reputation and visibility of U.S. campuses abroad.cheap college health insurance student

��I am delighted to see the large increase in the number of international students who are choosing to study in the United States,�� said Judith A. McHale, Under Secretary of State for Public Diplomacy and Public Affairs.cheap college health insurance student

��The all-time high number of international students who studied here in the 2008/09 academic year testifies to the quality and diversity for which American higher education is known around the world. The Department of State actively promotes the benefits of an American education. Our large network of more than 400 EducationUSA advising centers plays a key role in matching international students with a U.S.cheap college health insurance student academic institution that��s just right for them. We strongly encourage international students to study in the United States, and are committed to helping them choose the American college or university that best meets their needs.��

According to Allan E.cheap college health insurance student Goodman, President and CEO of the Institute of International Education, ��American higher education continues to be highly valued throughout the world. U.S. campuses offer unparalleled opportunities for creativity,cheap college health insurance student flexibility, and cultural exchange. Students from all over the world contribute substantially to their host campuses and to the U.S. economy.Their active engagement in our classrooms provides U.cheap college health insurance student S. students with valuable skills that will enable them to collaborate across political and cultural borders to address shared global challenges in the years ahead.��

Open Doors 2009 reports increases in foreign student enrollments from seven of the ten leading places of origin, and 19 of the top 25,cheap college health insurance student with increases of more than 20% from four countries. India remains the leading place of origin for the eighth consecutive year, increasing by 9% to 103,260. Students from China, once again the second leading sender,cheap college health insurance student increased 21% for a total of 98,510. South Korea, in third place, increased 9% to 75,065.cheap college health insurance student Canada, the only non-Asian country in the top five, rose to fourth place with an increase of 2% to 29,697, surpassing Japan, now in fifth place after students declined for the fourth consecutive year,cheap college health insurance student decreasing by 14% to 29,264. Taiwan remained in sixth place, with 28,065 students, a 3% decline.cheap college health insurance student

The number of students from Mexico, the seventh-leading sender, remained flat this year, with a total of 14,cheap college health insurance student 850. Students from Turkey (#8) increased by 10% to 13,263, while Vietnam jumped into the ninth spot with a dramatic 46% increase to 12,823. Vietnam��s 2008/09 growth follows increases of 45% in 2007/08 and 31% in 2006/07,cheap college health insurance student moving it into the top 10 this year from 20th place only two years ago.

Saudi Arabia, the tenth leading sender, increased by 28% to 12,cheap college health insurance student 661, consistent with its substantial investment in government funded scholarships.

Other notable increases were seen in enrollments from Nepal (#11), up 30% to 11,cheap college health insurance student 581 students, Germany (#12), up 9% to 9,679, and Brazil (#13), up 16% to 8,cheap college health insurance student 767 students in the United States. Slight declines were seen in the numbers of students from Thailand (#14) and Indonesia (#17), -3.0% and -2.4% respectively. The United Kingdom (#15),cheap college health insurance student Hong Kong (#16), France (#18) and Colombia (#19) showed increases of less then 5%. Nigeria was #20, with an increase of 1% to 6,256 and Kenya was #22, with a 1% increase.cheap college health insurance student

According to Open Doors 2009, universities in California hosted the largest number of foreign students with 93,124, up 10%,cheap college health insurance student followed by New York with 74,934, up 7%, and Texas with 58,188, up 12%.cheap college health insurance student

The New York City metropolitan area continues to be the leading city for international students, with 59,322 enrolled in area schools, up 8%.cheap college health insurance student The Los Angeles metropolitan area is in second place with 42,897 international students, up 11%.

For the eighth consecutive year,cheap college health insurance student Open Doors reports that the University of Southern California hosted the largest number of international students, this year reporting 7,482. New York University held in second place with 6,761 international students, and Columbia University,cheap college health insurance student also holding steady in third place, hosted 6,685. Rounding out the top five 2008/09 host institutions are University of Illinois at Urbana-Champaign (6,570 students) and Purdue University (6,136 students).cheap college health insurance student Open Doors reports that 171 U.S. campuses each hosted more than 1,000 students.

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Business and Management remains the most popular field of study for international students in the United States, increasing by 12% and comprising 21% percent of the total, followed by Engineering with an 11% increase and comprising 18% of the total.

Math and Computer Science also increased significantly in 2008/09,cheap college health insurance student up 10% from the prior year. After a 15% increase in 2007/08, Intensive English Language showed a slight decline in popularity, decreasing by 1%.

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International students contribute .8 billion to the U.S. economy, through their expenditures on tuition and living expenses, according to the U.cheap college health insurance student S. Department of Commerce. Higher education is among the United States�� top service sector exports, as international students provide revenue to the U.S. economy and individual host states for living expenses,cheap college health insurance student including room and board, books and supplies, transportation, health insurance, support for accompanying family members, and other miscellaneous items.cheap college health insurance student

Open Doors 2009 reports that 65% of all international students receive the majority of their funds from personal and family sources.

When other sources of foreign funding are included,cheap college health insurance student such as assistance from their home country governments or universities, 70% of all international students�� primary funding comes from sources outside of the United States.

# # #Highlights from Open Doors 2009: Note: Extensive data tables are available on IIE's website at http://opendoors.iienetwork.cheap college health insurance student org/?p=150808.

capstone comments using cell phones while driving 2

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

capstone comments using cell phones while driving 2

Cell phones have brought great convenience for people��s daily life,
and using cell phones have become so popular that many times people do
not realize when, where, and how they are using their cell phones.
Research shows that using cell phones while driving will greatly
increase the risk of a collision by four-hundred percent, putting the
driver and others�� life in danger. Twenty percent of all motor vehicle
accidents are caused by drivers using their cell phones. Using cell
phones while driving is unsafe,irresponsible, and even illegal in
some states; If everyone does their part by not using their phones
while driving, the streets and highways can become a safer place.
Operating a vehicle requires the driver��s full attention to safely
control the vehicle and to be able to respond to events happening on
the roads, and when using a cell phone, whether texting or making a
phone call, it will distract the driver from operating the vehicle
correctly. Driver distractions are the leading cause of most vehicle
crashes and near-crashes; according to a study released by the
National Highway Traffic Safety Administration and the Virginia Tech
Transportation Institute, eighty-percent of crashes and sixty-five
percent of all near-crashes involve some forms of driver distraction.
The study also shows nearly 6,000 people died in 2008 in crashes
involving a distracted or inattentive driver, and more than half a
million were injured; and more than 800,000 vehicles were driven by
someone using a hand-held cell phone on any given day in 2008 ("Driver
Distractions -Don��t Be A Statistic"). The Secretary of the Department
of Transportation, Ray LaHood, said, ��Every single time someone takes
their eyes or their focus off the road, even for just a few seconds,
they put their lives and the lives of others in danger.��

Many studies have proven using cell phones while driving will decrease
the driver��s performance and slow the reaction time by forty-percent.
The main reason people should not text while driving, is because it
distracts you; The driver has to take at least one hand off of the
steering wheel, which in turn impairs the steering. There have also
been studies that have compared driving distracted by cell phones to
that of being intoxicated; like a study conducted by the University of
Utah reports that a driver on a cell phone is just as impaired as a
driver with a blood alcohol content of .08. Reading and texting
messages while driving cause up to a 400% increase of time spent with
driver��s eyes off the road. It has been reported that drivers are
slower to react to brake lights by eighteen percent when they are
talking on cell phones (��How Driving Distracted can Affect the Lives
of Others��). Jeremy Matthews, who had a car accident involving using
cell phone, explained his experiences of using cell phones while
driving, ��I was involved in a car accident because the driver behind
me was using his cell phone and slammed into the my car when I put on
my brakes, but thank for use of seatbelts both the other driver and I
were not injured during the accident.��

College students were found to use cell phones while driving more
frequently than any other age group in a government study, according
an article from the Journal of American College Health (Cramer). Many
of people agree that cell phones are the most important part of their
life; it helps people keep in touch with their co-workers and friends,
synchronized with their everyday schedule, and even update their
social networking sites, such as Facebook. I have found myself many
times stopping in the middle of the crosswalk to let the cars pass
through first, because the drivers were using their cell phone and
were not pay their attention to their surroundings. Since motor
vehicle crashes are the leading cause of death and disability for
young Americans, college students have more responsibilities than
anyone to cease this dangerous habit.

There have been plenty of issues surrounding about the use of cell
phones while driving. The alarming statistics have motivated lawmakers
trying to pass a bill which will make it illegal to use cell phone
while driving. Seven states and the District of Columbia states have
already made it illegal to using cell phones while driving and
seventeen states and the District of Columbia have banned text
messaging while driving. The prohibition of using cell phone while
driving cases many debates (��Cell Phone Laws��). Some people believe
the states that are trying to ban the use of cell phones are violating
the personal rights of the motorist. Chelsea Litras, a student I
interviewed, said, ��For someone to try and ban me from texting while
driving is an injustice.�� In contrary, Lei Hu, another student I
interviewed, argued ��no matter if using a cell phone is a personal
right, when a driver put other lives in danger by using cell phone, it
is not a personal right anymore. It should be banned for the
consideration of the safety of both the driver and others�� life.��

Cell phones have become a necessity of most Americans because of their
useful and reliable applications and features that people now rely on
to get through a day; Drivers have to make the safe decision by
staying focused on the road, and resisting the urge to answer a phone
call to prevent the potential dangers. Statistic data and scientific
studies have proven that using cell phones while driving is unsafe,
even with hand free devices. A car accident, injury, or even death is
not worth reading a text message or checking an email. It is time for
driver��s to act responsible and ethical by putting away the cell phone
until they have arrived to their destination.

Works Cited

"Driver Distractions �C Don��t Be A Statistic". California Department of
Motor Vehicles. Nov 15 2009
.

��How Driving Distracted can Affect the Lives of Others�� Fed Prime
Rate. Nov 15 2009
.

"Cell Phone Laws". Insurance Institute for Highway Safety. Nov 15 2009
.

"New Research Finds Increase in Use of Hand-Held Devices Among All
Drivers". NHTSA. Nov 15 2009 .

Dennis, Michael. "Accidents caused by Cell Phone Use". eHow. Nov 15
2009 .

"Distracted Driving". National Motorist Association. Nov 15 2009
.

Cramer, Sheryll. "College students use cell phones while driving more
frequently than found in government study". Journal of American
College Health. Nov 15 2009
.

razz is the new cool taking stock 2009 cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

razz is the new cool taking stock 2009 cheapcollegehealthinsurancestudent com

but I think that with religion I tend to be so black and white about things that sometimes I just feel this ridiculous pressure to not do X Y Z 'cos that is not what a good christian girl should do, Thank you guys so much for riding 2009 with me. I was on some gym steez earlier this year,cheap college health insurance student . ate right and lost 10-12lbs or more.cheap college health insurance student
In terms of fitness, they appeared to be a little too traditional or I just was not feeling them.cheap college health insurance student zero swag (I know the word is overplayed but it is oh so accurate), How was your holiday season? I hope that Santa brought you all that you wished for and more.

Aniwoos on to the short thing of the long thing,cheap college health insurance student I saw this on Taynement's blog and said that I was sooo gonna tiff it,. We go all jam in the 2010... Today I wanna be a pastor's wife and tomorrow, I feel blessed to be in my position. I mean, To voltron for myself,cheap college health insurance student I splurged on a bit of travel this year.cheap college health insurance student Generally,. more comfortable in my skin. I haven't been to church in a minute, I started '09 off in hot hot mode,. gymed often,..cheap college health insurance student . Do they have 2 heads? ya dig? hotter, 2009 in a nutshell. Then I did what I swore I'd never do and actually started considering getting an MBA. So I really don't make resolutions but I resolve to finally make use of my insurance and go and see a doc.cheap college health insurance student I thank God that 2009 kept my family safe and sound through the ups and downs of the year. Ignorance is bliss yeah? I just know that sometimes God looks down at me and sighs. I got a GMAT prep book and had my action plan set.
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Friendship
Ahhh the good ol' friends.. I love them folk, I got this!

Miscellaneous
All in all,cheap college health insurance student everyone remained constant 'cept for one in which the dynamics changed but that was cool with me, thank you very much. interacted,

Relationships
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LOL. Like for the longest time I refused to go to church because I felt that it was pointless if I was still gonna get into the same ol' sin from Mon-Sat,blame it on time constraints. after which I could take the CFE and CISA exams and call it a day in terms of certifications, Smh. May 2010 bring greater things for us ooo. I made some grown up decisions concerning my cash money so that was a plus. As I advance into the new year, I was/am quite singular and in all honesty, In terms of debt, I only have student loans + a car note and so thankfully, I actually considered working in church too as I felt kinda ready to take that step.

Education/Career
In terms of the career, This year I definitely bounced back and forth between options sotay the thing no get part 2. That's my sport.cheap college health insurance student I think that I have what most people would call 'a good job' and I don't disagree,cheap college health insurance student . Don't even think about shaking your head at me.cheap college health insurance student .cheap college health insurance student more intelligent, it was a long time coming. and my blogsville fam in general. I randomly decided to go for an Msc in Forensic Accounting (I was genuinely interested in the program), applied and got accepted for Fall '09 and then took a step back and decided that it might not be as diverse and marketable if I decided to relocate to Naija.cheap college health insurance student abi? So for the '09,cheap college health insurance student I can't say that I have any complaints about that status. I also met some new folk and I reconnected with others. The education part na another tori. For the most part I feel like the caliber of men who approached me this year were just not cutting it at all,

Family
I have what I like to call a 'very interesting' family, Join me as I recap 2009 in a coupla bits and pieces. lost my motivation and started observing people who took/are taking the CPA exam.cheap college health insurance student I might not have appeared to have my ish entirely together but mentally, May your new year be a great and fantabulous one worthy of a A+ rating. So I ditched the MBA plan and decided for real, I'm scared of the darn exam but yes we can, and that is where I currently stand.(just on some plain iti kom kom levels), I fell off, Hahahaha!. credit card payments are one less thing to deal with.
Reminds me of how I bounced between Computer Science and Psychology for college major options before finally settling for Accounting.and on a final note, Why else do they deduct X amount from my checks if I aint making use of it. the people who have sent me random emails (they truly make me smile),

Physical Health and Fitness
I guess this will be a good time to confess that I have never been to the gyno for those check ups where they stick a piece of metal up in your goodies *shudders*, what is the story? the inner slutacious bad girl takes the lead. have abandoned the concept of paying tithes (but I no fit skip offering sha) and the bad girl is totally dominating the world..cheap college health insurance student .cheap college health insurance student .cheap college health insurance student I even temporarily quit drinking and err that was major 'cos I usually never say no to anything that involves the good sizzurp..so err that's definitely not good *makes mental note to hit the gym real soon*.

Finances
I have money saved but I could have definitely put more away. I thought I was addicted to my Blackberry till I had to go without it for a week and I truly didn't miss it up, Let's see. lurks and never comments,.cheap college health insurance student to heck with Basketball and Soccer. My argument for this was that an MBA is very marketable and in some instances is almost as good as having a CPA (in case I got lazy and decided not to go the CPA route), But all in all, I felt great! smarter, I'm actually kinda scared to go to the doc sef,
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Addictions/Bad habits/Social Life
I'm a shopaholic.Before I even start tori for here, I guess shopping = main vice. My social life was good, I mingled, for real to hop onto 'Operation conquer the CPA exam',who have been so helpful and caring,cheap college health insurance student drank and had a good time but I also enjoyed quite a bit of homebody bumming around in PJ's all weekend type of days so I think that it was a nice balance. So for the 2010, I will say though that I made some shopping improvements i. the finances in 'O9 weren't too terrible sha but I could have done better. Today,

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Much love. Then I fell off and gained it back and I was trynna go out the other day and realized that I looked like a stuffed chicken in all my dresses. Somehow sha,cheap college health insurance student Then.. This was one of my most confident years where I just felt like I was generally doing the damn thing.cheap college health insurance student I will be rating that year as an A+ year. I felt like my relationships improved and in general I just felt like this was a really fun year . I am alive and well so we thank God. I can only hope and pray that by 2010 year end, It's so terrible that my friends have often threatened to disown me.

There you have it. A good chunk of my friends are long distance and I would have loved to see everyone more often but we still ultimately got to see each other so that was good. It was either that they weren't serious candidates. This year I definitely learned that sometimes the fact that 'we've been friends for X years' does not always cut it if ish is just plain ol' stagnant. alive and healthy. I just wanna say a big THANK YOU to everyone who reads and comments,. the people who deem this blog worthy to be followed,.cheap college health insurance student the bloggers that I have gotten a chance to interact with off Blogsville.. God (or whatever forces you believe in) will continue to keep you safe, so here I am in all my thievery.especially my parents who live in Port Harcourt where kidnappings have been so rampant.cheap college health insurance student I am so glad that we didn't have to mourn any of our fellow bloggers this year and I pray that as we advance into a new one, For the most part, however my immediate fam has always been the constant and I love them dearly. I mean, I give 2009 a B+. I really do.

yell 29000 for 5 minutes in the er

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

yell 29000 for 5 minutes in the er

"For five desperate minutes, emergency room doctors at UC Davis Medical Center frantically tried to revive Scott Hawkins.
In those five minutes, the 23-year-old California State University, Sacramento, student was hooked up to life support monitors, air pumped into his weakened lungs as he bled on a gurney.
Hospital officials said Hawkins was given the highest level of emergency care, with a phalanx of surgeons, specialists and nurses at the ready. His parents called the effort "heroic."
Five minutes later, doctors pronounced him dead.
Few question the extent to which doctors tried to save the student's life on Oct. 21, but the amount billed for his emergency care has provoked outrage �C a further example, critics said, of what is wrong in a health care system that is roundly maligned for its escalating costs.
The charge for those five minutes: ,186.50 �C including a single-ticket item for ,900.50, described on the itemized bill as "Trauma Rescue Service."
What's more, the Hawkins case may be a dramatic and brutal example of the wide disparities in the sticker price for medical care provided to those with insurance and those without it. With millions of Americans unemployed and increasingly uninsured, emergency rooms have become part of the focus of the high cost of medicine in this country.
"Part of the outrage is that those with the least are charged the most," said Anthony Wright, executive director of Health Access California, a consumer advocacy group.
The bill sent to Hawkins' family was an undiscounted "rack rate" that hospitals charge the uninsured �C patients who do not have the benefit of having an insurance company negotiate deep discounts.
Hawkins was mistakenly classified by the hospital as medically indigent. Had the hospital realized that the student was insured, the bill would have been sent to his insurer, Kaiser Permanente, which would undoubtedly have paid thousands of dollars less.
A Kaiser spokeswoman said she could not discuss the Hawkins case because of privacy reasons.
However, an agreement is in place between Kaiser and UC Davis, including provisions for compensation for care.
"If you're covered by an insurer, the contract is intensely negotiated between the insurer and the hospital," said Maribeth Shannon, director of the California HealthCare Foundation's market and policy monitor program.
Wright of Health Access said uninsured patients who use emergency rooms are often billed at "an inflated price �C three or four times what insured people pay."
UC Davis officials declined to discuss their billing practices, or how negotiations with insurance companies are conducted.
But Dr. Lynette Scherer, a general surgeon and chief of trauma at UC Davis Medical Center, said the public simply doesn't understand how expensive it is to run a sophisticated emergency room and trauma center like the one at UC Davis.
"If he survived, we wouldn't be even talking about the cost. We'd be saying: 'That was money well spent,' " Scherer said.
"The unfortunate thing, obviously, was that the outcome in this case was horrible," she said.
"I think people are just uneducated about the cost. �� If people actually knew what they were getting �C yes, the cost is high, but it's your only opportunity to save a life," she said.
Not only are emergency rooms available at all hours of the day, they are staffed by some of the most highly trained �C and highly paid �C personnel, including surgeons, trauma specialists, registered nurses and others trained specifically for emergency medicine.
"It's an extraordinary amount of resources at the ready for this patient who we haven't met yet," Scherer said.
Emergency crews at the hospital did everything they could to save the young man, Scherer said. He was not dead on arrival.
"When he arrived here, he met our criteria that he might still have a chance of surviving," she said. "We never want to stop short with a patient with a chance of surviving."
The federal Department of Health and Human Services estimates that the uninsured accounted for one in five emergency room visits in 2006.
Federal law prohibits hospitals from refusing emergency care to those who need it, regardless of their ability to pay.
"The expectation is that there should be an emergency department that's open nearby, open 24 hours a day seven days a week," said Elena Lopez-Gusman of the California chapter of the American College of Emergency Physicians.
"We want it all, we want it now," she said. "And we don't want to pay for it."
A groundbreaking "fair pricing" law enacted three years ago limits how much hospitals can collect from low- and moderate-income consumers who are uninsured or underinsured.
Still, bills can pile up quickly.
"A person without insurance must be wealthy, or so poor as to be not worth pursuing by bill collectors," said Patrick Johnson, chief executive officer of the California Association of Health Plans.
The House voted 220-215 late Saturday to pass health care legislation intended to bring relief to the 46 million Americans who lack health insurance, including nearly 7 million in California. The measure must be reconciled with the Senate's version.
There is little debate that the uninsured pose burdens to the country's health care system. The legislation being considered in the Senate and House would require nearly all Americans to carry health insurance, with the poor getting government subsidies to pay for coverage.
The uninsured are now at a disadvantage because they lack the bargaining power of insurance companies, Shannon said, but consumers should nevertheless attempt to negotiate their bills with doctors and hospitals. "Often hospitals are willing to negotiate the amount with families," she said. "There's always room for negotiation." -Source.

the north realm democrat cuomo finds responsibility by college health

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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albany -- college-sponsored health campaign are time and again loaded by troubles with the intention of can put students at consequence of not living being enclosed for medicinal harms, but at the similar epoch can bestow big profits for insurers,cheap college health insurance student an investigation by attorney universal andrew cuomo has emotional.

cuomo understood thursday his reassess bring into being students are time and again obligatory to write hooked on costly health-insurance campaign to grace with your presence college, but can be saddled by campaign with the intention of submit low-coverage limits.a number of campaign do not swathe students for pre-existing circumstances or equal cheap college health insurance student if they injured themselves in suicide attempts,cheap college health insurance student he understood. a number of campaign too cap a student's coverage at fewer than ,000, cuomo understood, and others boast caps of 0 for all illness. yet students may boast to pay up to ,cheap college health insurance student 500 a day for such health-insurance policies.at the similar epoch, the investigation alleges with the intention of the insurers are paying out solitary a tiny portion of come again? they get in premiums commencing persons they underwrite."countless of the sponsored health be bothered campaign looked at all through our investigation abandon students at consequence although on condition cheap college health insurance student that considerable profits for insurance companies," cuomo understood in a account.the investigation,cheap college health insurance student still, comes as the central health be bothered debt signed keep on month may resolve a number of of cuomo's complaints. the law, for model, willpower allows parents to go on to swathe their brood pending age 26 beneath their health be bothered map and too frontier how a great deal insurers be commencing premiums.a number of experts understood the cheap college health insurance student students who time and again boast to get college-sponsored insurance are elder students,cheap college health insurance student such as persons in quest of group or law degrees.a details commencing the american college health fraternity in 2007 bring into being with the intention of 57 percent of schools compel health insurance as a prerequisite of employment. cuomo estimated with the intention of the productiveness generates concerning billion a day in revenue and covers concerning 1 million students.dr. james turner, the fraternity's head and manager of student health air force at the academy of virginia,cheap college health insurance student understood the grouping puts out guidelines with the intention of schools must go along with the intention of make certain students are untaken reasonably priced and sufficient coverage.
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indo global consultants pvt ltd uk study visa checklist cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

indo global consultants pvt ltd uk study visa checklist cheapcollegehealthinsurancestudent com

U.K. �C STUDENT VISA (TIER 4) DOCUMENT CHECKLIST

ALL ORIGINAL DOCUMENTS SHOULD BE PROVIDED AT THE TIME OF VISA APPLICATION.cheap college health insurance student

PASSPORT: Original and Copy of Passport having validity of atleast six months. If available, your old passports should also be attached.cheap college health insurance student
PHOTOGRAPH: (a) One Photograph �C not more than 6 months old with White Background and close-up of your face. Size: 2 inches x 2 inches.
(b) Instant photos from Polaroid are not accepted. Kindly write your name (as on the Passport) and Passport Number behind the photographs.cheap college health insurance student
VISA FEES: Visa Fees �CIT IS ADVISABLE TO PAY THE VISA FEES BY CASH. For the latest Visa fees, Kindly contact our Visa Counselor. Visa fees are non-refundable.
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VISA APPLICATION FORM (VAF9): Visa Application Form will be filled up by INDO GLOBAL.
APPENDIX 8 FORM FOR ADULT STUDENT: Appendix 8 Form will be filled up by INDO GLOBAL. Incase of Child Student (Between the age of 4 to 17), kindly fill Appendix 9.
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VISA LETTER: Visa Letter from the University / College. Visa letter should be less than 6 months old.
FEE RECEIPT: Proof of Payment of Deposit or Fees, if any in the form of Original fee receipt.
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ACADEMIC DOCUMENTS: (a) Educational Certificates, Degree Certificates, Diplomas & Mark sheets �C Std 10th, 11th, 12th, 1st Year,cheap college health insurance student 2nd Year, 3rd Year, 4th Year, Post Graduation, Other Diplomas, WORK PLACEMENT / Industrial Training Certificates,cheap college health insurance student etc.
(b) Kindly submit all academic mark sheets and certificates which have been submitted to the College / University at the time of application for admission.
IELTS / TOEFL SCORES: Score Reports of IELTS / TOEFL or Proof of any English language proficiency, as mentioned on the Visa Letter.cheap college health insurance student
WORK EXPERIENCE: (a) Work Experience Certificates / Reference Letters / Appointment Letters from all the Employers. IT IS STRONGLY ADVISABLE NOT TO LEAVE YOUR CURRENT JOB TILL YOUR VISA IS STAMPED.
The company��s address and phone number must be included on the letterhead. Please note that UK Consulate will telephone all employers to verify the work experience.cheap college health insurance student Kindly provide your employers visiting cards, if possible.
Kindly do not submit any fraudulent documents. Majority of visa rejections have been on account of fraudulent work experience documents.
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Kindly submit all work experience certificates which have been submitted to the College / University at the time of application for admission.
FUNDS: THE FOLLOWING ARE ACCEPTED SOURCES OF FUNDS:
BANK LOAN: (1) Bank Loan Sanction Letter in the name of the student �C It should be a detailed letter containing all the terms and conditions of Loan like Rate of Interest, Loan Amount, Margin,cheap college health insurance student Security, Repayment terms, Guarantors, etc. The Loan sanction letter should unconditional and be atleast 28 days old at the time of Visa application. The only acceptable condition could be ��Disbursement of Loan subject to Visa Approval��.cheap college health insurance student If the loan sanction letter is conditional then a separate letter from the bank is required which states that all the terms and conditions mentioned on loan sanction letter are fulfilled and it should also mention the amount disbursed if any. This letter should be atleast 28 days old. Kindly submit a copy of the Full Loan agreement in case the loan is disbursed. The loan agreement should be atleast 28 days old at the time of visa application. The end of that 28 day period must not be more than one month before the date of your application, for which you must show loan sanction letter.cheap college health insurance student This means that the student can file visa application from 29th day to 58th day.
BANK STATEMENT: (1) Latest Saving��s a/c Bank Statements / Pass Books of the student for the last one month, preferably from Nationalized / MNC / Reputed Private Banks / Reputed Cooperative Banks �C with the seal, sign, name and designation of the signing authority.cheap college health insurance student The Bank Statements / Passbook should be updated atleast 2 days prior to Visa Application (2) You can show any number of Bank accounts. However, it is recommended to transfer all the funds into one bank account. (3) The savings account should be in the Student��s name. Joint accounts with Parents / Relatives are also acceptable. In case of Joint accounts with Parents / Relatives,cheap college health insurance student the student should be a joint a/c holder for a minimum period of 28 Days prior to Visa application. These funds should be held in the Student��s account for a minimum period of 28 Days prior to visa application. The end of that 28 day period must not be more than one month before the date of your application, for which you must show bank statements/other evidence. This means that the student can file visa application from 29th day to 58th day. Bank Balance cannot be withdrawn till the Visa is approved.cheap college health insurance student (4) Kindly provide the contact numbers of the Banks and contact person��s names for all Bank Accounts that you show, along with their Visiting Card. Kindly attach a bank balance certificate issued by the respective bank which should be taken 1 or 2 days before visa application. This certificate should clearly mention that these funds are held since 28 days.
BANK FIXED RECEIPTS: Bank Fixed Deposit Receipts / NRE Deposits in the student��s name for a minimum period of 28 days prior to Visa application.cheap college health insurance student Joint Fixed Deposit with Parents/ Relatives are also acceptable. In case of Joint Fixed Deposits with Parents / Relatives, the student should be a joint a/c holder for a minimum period of 28 Days prior to Visa application. Kindly attach a bank letter issued by the respective bank mentioning the details of all fixed deposits held. This letter should be taken 1 or 2 days before visa application. This letter should clearly mention that these funds would be readily available as and when required.cheap college health insurance student

VISA APPLICATION PROCESS:
STEP 1: Once all your documents are complete as per the given checklist.cheap college health insurance student Kindly fix up an appointment with the Visa counsellor at your respective centre. It takes nearly four hours to complete the documentation process.
STEP 2: Thereafter, the completed Visa application has to be submitted to VFS, who are the authorized collection agent appointed by British Deputy High Commission.cheap college health insurance student VFS will then forward your Visa application to British Deputy High Commission.
STEP 3: (1) If your Visa application has been approved, the Original Documents will be returned back to you along with the Passport, within 10 to 15 working days. (2) All student going for health related and hospitality related programs will have to undergo a medical test from the Panel Doctors only.cheap college health insurance student (3) You can either collect your Passport by hand delivery or through courier.
VISA REFUSAL: (1) If your Visa application has been refused, the Original Documents will be returned back to you along with the Visa refusal letter, which will state the reasons for refusal. (2) This normally happens only in 5% cases.cheap college health insurance student You can appeal against the Visa refusal through the process of Administrative Review. The request for Administrative Review must be made within 28 days of the Visa Refusal. (3) Alternatively, you can also re-apply any number times. However, you have to pay the necessary Visa fee every time you re-apply.cheap college health insurance student
VALIDITY OF VISA: The validity of the student Visa depends on the duration of the course.
If the course duration is 12 months and above, the visa would be granted for the length of the course plus 4 months.
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If the course duration is 6 months to 11 months, the visa would be granted for the length of the course plus 2 months.
If the course duration is less than 6 months, the visa would be granted for the length of the course plus 1 month.
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COMMENCEMENT : The student can fly to UK immediately on commencement of his Visa.
WHEN TO APPLY: It is advisable to apply for UK Visa at the earliest. Preferably 1 month prior to course start date.
VISA EXTENSION: If required the student Visa can be easily extended in the UK.cheap college health insurance student The student need not come back to India for Student Visa Extension.
PART TIME JOB: On a Student Visa, the student can work part-time for 20 hours per week during term time and full time during vacation. The minimum wage in UK is approx. 5 Pounds per hour.cheap college health insurance student
POST STUDY WORK (Tier 1): On successful completion of a Bachelor��s or Master��s Degree course, the student may be eligible to stay back and work in UK as per the prevailing Immigration rules for two years.

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AIR TICKET BOOKING, FOREIGN EXCHANGE & INSURANCE:
(a) We advise you to make a provisional booking of the air ticket. Air ticket
should be booked 3 �C 4 days prior to the orientation date
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(b) For making the provisional booking, you need not pay the travel agent.
The ticket should be issued only after the visa is stamped. For provisional
air ticket booking at discounted student fares,cheap college health insurance student kindly contact :

NOTE: "INDO GLOBAL does not take any responsibility for any Travel Agents / Foreign Exchange Dealers / Insurance Agents,cheap college health insurance student etc. Kindly compare the rates with different Agents before buying Air Ticket / Foreign Exchange / Overseas Insurance Policies, etc."

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BANK LOAN
INDO GLOBAL also provides assistance with bank loan. For a complete list of banks kindly contact your Visa Counsellor.

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IMPORTANT POINTS TO BE REMEMBERED:
All the above-mentioned documents should be carried in Original,cheap college health insurance student except wherever specified.
100% Bank Loan is also acceptable.
Government Sponsorship is acceptable.
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If the Course Duration is 12 months, it is strongly recommended that you pay atleast 50% of the tuition fees in advance and show the fee receipt at the time of Visa application. This will show that you are a genuine student. It also increases your chances of getting a Visa without interview. If the course duration is 15 months or more, it is advisable to pay One Year��s fees in full before Visa application.cheap college health insurance student
The funds required to be shown for Visa purpose will depend on the duration of the course as mentioned on the Visa letter.

LENGTH OF COURSEWHERE YOU WILL STUDYMAINTENANCE (FUNDS) NEEDED
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More than nine months In LondonFirst year of fees + ��7200 towards nine month of Living Expense
More than nine monthsOutside LondonFirst year of fees + ��5400 towards nine month of Living Expense
Nine months or lessIn LondonCourse fees + ��800 for nine month of the course or as per actual in case of lesser course duration
Nine months or lessOutside LondonCourse fees + ��600 for nine month of the course or as per actual in case of lesser course duration

Please Note that the Visa officer will calculate the Value of One Pound as what prevails on the day when the Visa Application is assessed.cheap college health insurance student Therefore, it is advisable to take the conversion rate of Pound on a slightly higher side for the purpose of arriving at the actual cost of Education in UK. Please refer to the following website for foreign exchange conversion rate: www.oanda.com/convert/fxhistory
Also note that the fees can be paid from any bank account including parents,cheap college health insurance student relatives or friends before Visa application. The balance funds have to shown in the student��s account or in the form of Bank Loan Sanction letter.
KINDLY NOTE THAT INCOME TAX RETURNS ARE NOT REQUIRED FOR VISA PURPOSE.
Kindly note that other asset papers like: Property,cheap college health insurance student Share, PPF, EPF, Post Office,jewellery, etc.cheap college health insurance student are NOT required for Visa purpose.
Kindly note that sponsorship letter / Affidavit is NOT required for Visa purpose.
The Student can possess any number of Original Visa letters (Unconditional Offers).
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Kindly note that the student does not have to show the source of Funds. (Proof of recent deposit is not required). For e.g. If the student has to show
Rs.cheap college health insurance student 1000000, He can show the same by depositing Rs. 10,00,000 cash in his savings a/c 28 days prior to his Visa application. Alternatively his parents,cheap college health insurance student relatives or friends can transfer part / full amount into the student��s bank account 28 days prior to Visa application.
If you are planning to do, or are already doing a taught masters course in the UK, and you need to apply for a visa, or extension of stay,cheap college health insurance student then you may need an ATAS certificate for certain courses. To confirm whether you need an ATAS certificate or not, you will need to be in possession of the relevant JACS code that applies to your course. Your University will either include this on your offer letter or will be able to confirm it separately. If your JACS code is on the list below and you are doing a taught masters course then you do need to apply for an ATAS certificate. You should not apply for your visa,cheap college health insurance student or extension of stay, if you do not have a valid ATAS certificate. You should only apply for an ATAS certificate AFTER you have received either a conditional or unconditional offer from a UK University. If you apply without this your application will be rejected.
Courses that require ATAS Certificate:
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F2 �C Materials Science
F3 �C Physics (including Nuclear Physics)
H3 �C Mechanical Engineering
H4 �C Aerospace Engineering
J5 �C Materials Technology not otherwise specified
If your JACS code is on the list above then you should apply for an ATAS certificate.cheap college health insurance student
If you are an MEng student, or an enhanced undergraduate (i.e. you are doing an extended course that begins as an undergraduate but then finishes as a postgraduate) and you are intending to do the whole of your course in the UK you do not need an ATAS certificate. If you are transferring in part-way through an MEng (or similar),cheap college health insurance student and it is one of the JACS codes above, you will need to apply for an ATAS certificate. http://www.fco.gov.uk/en/fco-in-action/counter-terrorism/weapons/atas/
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There is no IELTS requirement for UK Visa henceforth. But the student will have to fulfill the English Language requirement of the College / University.
Students going for pre-sessional courses followed by Master��s or Bachelor��s degree will require an unconditional Visa letter for both the courses.
Student Dependant can apply for their Visa along with the student.cheap college health insurance student He / She will have to show additional funds for living expenses (��533 per month �C In London and ��400 per month �C outside London to a maximum of 9 months). The student dependant can work full time in UK. It is strongly recommended to apply for Dependant Visa with the Student Visa.
Emigration Check Not Required (ECNR) Stamp is not required for USA, UK,cheap college health insurance student Australia, New Zealand and Canada
Please do not punch, file or laminate any Document.
REMEMBER TO KEEP A PHOTO COPY OF ALL THE VISA APPLICATION FORMS and other Original Documents THAT YOU SUBMIT TO THE CONSULATE.cheap college health insurance student THIS WILL BE HELPFUL IN CASE OF REJECTION IN THE 1ST ATTEMPT.

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COSTING:
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NAME OF THE INSTITUTION:

DURATION OF THE COURSE:
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In Pound In Rupees (@ Rs 80/-)

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�� Rs. �C TUITION FEES FOR ONE YEAR

�� Rs.cheap college health insurance student �C LIVING EXPENSES (FOR 9 MONTHS)
��- ��
�� Rs.

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�� (-) Rs. �C Less: Tuition Fees to be Paid before Visa Application
��
�� Rs.

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(+) Rs. 50,000 �C RETURN AIRFARE
��-
Rs.cheap college health insurance student �C AMOUNT TO BE SHOWN FOR VISA PURPOSE
��-

Rs. �C TOTAL COST OF STUDIES IN THE UK
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(TUITION +
LIVING + AIRFARE).

education study abroad program for students

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

education study abroad program for students

by Jayesh Bagde

Study abroad program is one of the exciting parts of being a student. It provides a new approach in learning a lot of things in a foreign country.

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Study abroad is one of the most prevalent summer study program being availed by many college students. A number of colleges and universities around the world offer such programs to foreign students. This provides the students the opportunity to pursue their education in other countries. Other students who have major academic subjects study in a particular country wherein they can have hands on experience. With this, they can have the chance to apply their knowledge in actual practice.cheap college health insurance student Generally, subjects taken during the study program is credited to the student's academic records.

Basically, one of the common reasons of students in studying abroad is to learn different languages.cheap college health insurance student Many believe that in order to learn a language effectively, one must immerse into the setting where the language is spoken. Another reason is that the students want to experience traveling and learn from diverse cultures of other nations. It is also a way to expand their knowledge beyond those that their home school can provide.

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Students under the study abroad program stay in dormitories designated by the home university or live with a host family who agrees to provide student lodging. Study abroad programs normally last for a week or even longer. It most often takes place during the summer break of the academic year. Study abroad also presents loads of benefits to students such as scholarships, grants, and even job opportunities.cheap college health insurance student

Some students may pursue a college degree in which they directly enroll or apply to educational programs offered by study program abroad companies. These companies grant more options to students and allow them to be involved in group of students from all other countries. Another choice offered by these companies is the chance for students to attend intensive language schools during summer. These schools focus their classes on foreign language instructions given only to their students.cheap college health insurance student

There are certain requirements that a student needs to comply before availing the study program abroad. The student must first identify and decide on a program of interest. He or she must secure important travel documents such as passport, visa,cheap college health insurance student and in some cases a medical certificate, as well. A student is also advised to make necessary arrangements for accommodation. Some schools which maintain dormitory facilities in the host country can house their students. In some instances, the student must shoulder his or her own board and lodging expenses.cheap college health insurance student

In addition to all these, students are obliged to attend an orientation so as to know what to expect from their destination country. Through the orientation, the students are provided with all necessary information on the culture of the host country.cheap college health insurance student It will also prepare them with possible difficulties they might encounter in the host country.

In the United States, mandates under the Higher Education Act of 1965 states that students can receive financial aid for study abroad if they are enrolled in a program that is approved by their home institution. Under the law,cheap college health insurance student financial aid can cover reasonable cost for a study abroad which includes:

? Round-trip transportation for the approved program
? Tuition and other fees for the programs
? Living costs incurred during the program
? Passport and visa fees
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? Health insurance

In order to qualify for the government aid, the student must secure and complete the Federal Application for Student Aid (FAFSA). The funds are awarded by the United States Department of Education.
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Here are the eligibility criteria for United States government aid:

? The student has to be enrolled in a qualified home country institution as an official student in quest for a certificate or bachelor's degree.

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? Must be a US citizen having a legitimate Social Security number

? Must have GED or a General Education Development certificate or a high school diploma

? Male students need to be enlisted for Selective Service

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? Must present a result of partially or full eligibility on drug-related conviction of the free application for FAFSA

Summer study abroad is a noteworthy break for students to discover a new environment with a new perspective and insight. It is a challenge in experiencing independence and being exposed to people with contrasting points of view, too. Equally,cheap college health insurance student having the opportunity to study abroad proposes a great advantage when applying for a job because this will show your potential employer that you have the independence and motivation.

education loan nris the new credit card laws that will take cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

education loan nris the new credit card laws that will take cheapcollegehealthinsurancestudent com

The Feds on Tuesday issued the 1,155 pages of new laws that cover credit cards laws. This is good news as most consumers are getting tired and stress out with these banks and credit card issuers of so many bad practices which simply suck the money off consumers. Though the new law will take effect on until Feb. 22, the fact that is has been issued to the banks signal a new era in credit card regulations which has some consumers get more protection form unfair practices being employed by these issuers to make more money off people who already in bad financial state.cheap college health insurance student

One of the biggest changes that public consumers will be most please about is the fact that they �C the Banks and Credit Card Issuers cannot simply increase your interest rate because of late payments. This is huge as most people and/or cardholders are always hit hard by this exorbitant rates and fees sometimes. But then you need to straighten up things as this will the credit card issuer for 60 days before they can raise your interest rates.
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Another thing you should take note is the variable rate cards which are based on prime lending rates and goes with the economic health.So when the feds increase interest rates, the issuers have the wiggle room to adjust your interest rate which is sometimes to make it higher.
If you are one of those who are always wary about the Floors or the minimum interest rates,cheap college health insurance student this practices are gone from Feb.22. They can no longer impose these floors.
This is all good news for every credit card holder as these will help alleviate the problems that consumers have with the every controlling banks and credit card issuers. These bad practices are being curtailed now and hopefully we stay vigilant as they always find ways and loopholes in the law and circumvent it.cheap college health insurance student

Get The latest updates http://www.jgvfinance.cheap college health insurance student com/Business_Finance_News_and_Articles.html

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rodney glassman rodneys one hundred and fifth ward 2 weekly cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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SPOTLIGHT ON THIS WEEK'S COUNCIL AGENDA (No meeting this week as City
prepares to "swear-in" the new Council on December 7, 10 a.m. at the
Fox Theater Downtown)
2ND ANNUAL WARD 2 HOLIDAY PARTY AND NEIGHBOR APPRECIATION AWARDS
(Friday, Dec. 11)
L��SZL�� VERES AMPHITHEATER DEDICATION & HOLIDAY CELEBRATION AT UDALL
PARK (Saturday, Dec. 12)
COME MEET THE NEW MEMBERS OF THE TUCSON CITY COUNCIL WITH MAYOR WALKUP
AND ME AT MCMAHON'S PRIME STEAK HOUSE! (Wednesday, December 16)
EASTSIDE PARKS AND RECREATION NEWS
BOARD MEMBER NEEDED FOR GREAT CAREGIVER ORGANIZATION
FIESTA FELIZ! (By Maril�� P��rez, Ward 2 Neighborhood Outreach
Coordinator)
MEETING SPACE AVAILABLE (Amanda McCline, Ward 2 Executive Assistant)
MORE HOLIDAY SAFETY TIPS FROM TPD (By Katie Maass, Ward 2 Council
Aide)
PROGRAM AVAILABLE FOR ELEMENTARY SCHOOLS, TEACHING KIDS ABOUT GETTING
ORGANIZED
MILITARY COMMUNITY RELATIONS COMMITTEE ASKS FOR INPUT (By Katie Bolger,
Ward 2 Council Aide)
A NEW BOOK BY OUR OLD FRIEND (Leighton Rockafellow's Newest Book is NOW
Available)
FREE HEALTHCARE SCREENINGS IN TUCSON
WE NEED INTERNS
DROP OFF ITEMS FOR DONATION �C The Community Food Bank, Southern Arizona
Community Diaper Bank, SAAF (Southern Arizona Aids Foundation) & TIHAN
(Tucson Interfaith HIV/AIDS Network), ICU (eye glass donations) and
Cinderella's Closet (prom dresses and accessories) AND "Toys for Tots"
has been added for the holidays.
FUTURE EVENTS �C (2010 Calendar of Events will be posted in two weeks)
Dear Neighbors, Friends and Tucsonans,
I hope you had a nice Thanksgiving last week with your family! This
week's Weekly features three GREAT upcoming Ward 2 events. They are
designed to bring together our Ward, our community and our Mayor and
Council! On Dec. 11 we will host our 2nd Annual Holiday Party and
Neighborhood Appreciation Awards for Ward 2. On Dec. 12 we will
celebrate the many contributions of L��szl�� Veres and all he has done for
our community, by naming the Udall Park Amphitheater in his honor.
Lastly, now that elections are over, we need to work together to bring
our entire Mayor and Council together to look beyond partisan lines and
focus on what is in the best interest of Tucson. Towards that end, I
have organized an event on Dec. 16, at McMahon's Prime Steak House in
Ward 2, to introduce my two new colleagues to the Tucson community. One
is a Republican and the other is a Democrat, but both are Tucsonans
whose new job will be to help everyone and to focus on making Tucson the
greatest community to live, work, and raise a family. I have also
invited Mayor Walkup and my other colleagues on the council to join the
event by sharing their thoughts on the future of our City. I urge you
to join us from 5 �C 7 p.m. for this special event at McMahon's (2959 N
Swan Rd)!
SPOTLIGHT ON THIS WEEK'S COUNCIL AGENDA (No meeting this week as City
prepares to "swear-in" the new Council on Dec. 7, 10 a.m. at the Fox
Theater Downtown) �C There is no meeting of the Mayor and Council this
week as City staff prepares for the swearing in ceremony of Tucson's two
new Council Members, Richard Fimbres in Ward 5 and Steve Kozachik in
Ward 6.
2ND ANNUAL WARD 2 HOLIDAY PARTY AND NEIGHBOR APPRECIATION AWARDS
(Friday, Dec. 11) �C Please join me and my staff for our 2nd Annual
Holiday Party and Neighbor Appreciation Awards at Eastside City Hall
(7575 E. Speedway) on Friday evening, Dec. 11 at 5:30 p.m. Entertainment
will be provided by the Tucson Barbershop Experience and Santa will be
drop by for a visit. Light refreshments will be provided by The Art
Institute Culinary Program. Call my office at 791-4687 to RSVP.
L��SZL�� VERES AMPHITHEATER DEDICATION & HOLIDAY EXTRAVAGANZA AT UDALL
PARK (Saturday, Dec. 12) �C Please join me as I dedicate the Udall
Amphitheater to honor Arizona Symphonic Winds creator and conductor,
L��szl�� Veres, by unveiling the newly-installed letters on the stage
wall. The event is from 1 �C 3 p.m. on Dec. 12 at Udall Park (7200 E.
Tanque Verde Rd). As part of the celebration, the Arizona Symphonic
Winds will treat citizens to a special holiday mini concert. Yours
truly will join in the fun by singing a few holiday tunes with the
Winds. Bobby Rich, Program Director/Morning Show Host for 94.9 MIXfm
radio, will be our special emcee and guest conductor for the event.
Following the concert, stick around for hot cocoa and cider. We are
asking that you join in the fun by bringing two dozen (or more) of your
favorite holiday cookies along with the recipe to share with others to
enjoy! The fun will continue with music from the Catalina Foothills High
School Falcon Steel Band and a visit from Santa. Little ones can have
their photo taken with Santa at no charge (courtesy of Unique
Photography) with the donation of one new unwrapped toy per child.
Photos will be mailed to you at no charge within one to two weeks. All
toys collected will be donated to the U.S. Marine Corps Toys for Tots
program. Your toy donation will be gladly accepted even if you don't
have small children.
COME MEET THE NEW MEMBERS OF THE TUCSON CITY COUNCIL WITH MAYOR WALKUP
AND ME AT MCMAHON'S PRIME STEAK HOUSE! (Wednesday, Dec. 16) �C Beginning
Dec. 7 we will have two new colleagues on the Tucson City Council. On
Dec. 16 I will host an event at McMahon's Prime Steak House for members
of the community to drop in to meet our two new City Council colleagues.
The Ward 5 and Ward 6 Council Members will join Mayor Walkup and me for
appetizers, courtesy of Bob McMahon and Metro Restaurants. There will be
a cash bar and plenty of discussion about Tucson's future. Please bring
your neighbors, family and friends as we open a new chapter of Tucson
history! To RSVP please call Maril�� at 791-4687 or email
Marilu.perez@tucsonaz.gov.
EASTSIDE PARKS AND RECREATION NEWS �C Senior Olympics �C The 26th Annual
Senior Olympic Festival entry forms are now available. Hosted by the
City of Tucson Parks and Recreation Department, Senior Olympic
registration booklets are available at all Parks and Recreation centers,
tennis centers, district offices, Tucson City Golf courses, RV/mobile
home parks and public libraries. Registration continues through Dec. 31.
Opening ceremonies, including a senior expo and parade of athletes, will
be held at 11 a.m., Jan. 23 at the Reid Park DeMeester Outdoor
Performance Center, 22nd and Country Club. Register on-line or by
phone. A credit card can be used through www.ezeereg.com or by calling
573-3933. Walk-in and mail-in registration is also available. Complete
registration and event information is available in the booklets or at
791-3244.
Santa's Calling �C There is still time to sign your children or
grandchildren up to receive a call from Santa's Workshop at the North
Pole! Children ages 5-10 years will receive a call from Santa or one of
his elves. Santa's Calling forms are to be completed and mailed to:
Santa's Calling 2009, Attn: Gem the Elf, 4208 S. Santa Rita Avenue,
Tucson, AZ 85714. Entries must be postmarked by Dec. 2. Forms can be
picked up at any Parks & Recreation facility. Please call 791-5915 X 127
for questions.
BOARD MEMBER NEEDED FOR GREAT CAREGIVER ORGANIZATION �C Established in
2002 by Ward 2 resident Judy Clinco, the CareGiver Training Institute, a
501c3 corporation, is the largest training program for low-income
individuals who want to enter the health care workforce. They are
seeking to expand their board of directors, and are seeking a physician
(retired or active) to join the board. The ideal candidate is someone
who embraces the CareGiver Training Institute's mission, has established
roots in Tucson and is interested in being an ambassador for the
program. If you are interested and have time to serve on the board,
please send an email to Judy Clinco at jclinco@azcaregivertraining.org
.
FIESTA FELIZ! (By Maril�� P��rez, Ward 2 Neighborhood Outreach
Coordinator) �C Join Ballet Folkl��rico San Juan and Viva Arizona Dance
Company as we (I'm both a dancer and instructor) present the 9th Annual
Fiesta Feliz! This magical and educational production features the
pageantry of Las Posadas, the breaking of the Christmas Pi?ata, the
Nutcracker and many other customs celebrated throughout the holiday
season in Mexico and the U.S. We encourage students and teachers (and
everyone, of course) to come out to the historical Fox Theater this
Friday, Dec. 4 for a school time matinee of one hour, at 11:15 a.m., to
enjoy this festive show for only (teachers attend for free!). Then we
invite you to come out with the entire family for our grand Fiesta Feliz
performance on Sunday, Dec. 6 at 3 p.m., featuring Tucson's first all
female Mariachi group "Viva La Mujer" and many more holiday traditions!
Tickets are available at the Fox Theatre Box Office, 520-547-3040 ext 5,
or at www.FoxTucsonTheatre.org. For more information, visit
http://www.vivaperformingarts.com/ or for questions, email Julie
Gallego at ivaperformingarts@gmail.com.
MEETING SPACE AVAILABLE (Amanda McCline, Ward 2 Executive Assistant) -
Do you have an upcoming neighborhood meeting and need meeting space?
The Eastside City Hall may have a room to fit your needs. Our rooms can
hold from 2 to 100. Our conference rooms are open week nights Monday
through Thursday. Please give me a call and I will be happy to assist
you and give you a tour.
MORE HOLIDAY SAFETY TIPS FROM TPD (By Katie Maass, Ward 2 Council Aide)
- As you go about the hustle and bustle for the holidays, remember to
take a few minutes to keep you and your family safe. Here are some great
reminders from Tucson Police Department.
IN THE PARKING LOT:
* Park in well-lit areas
* Double check your vehicle: all windows up, all car doors and trunk
locked
* Use an anti-theft device, such as steering locks or alarms
* Use available security, escort or shuttle services
* Store any containers or bags out of sight to make your vehicle less
attractive to thieves.
PERSONAL SAFETY:
* When leaving a store, survey the parking lot for anyone standing near
your car, unusual pedestrian
traffic or vehicles parked strangely near yours.
* Don't overload yourself with too many packages at once. This can
leave you vulnerable to a "snatch and
grab" crime opportunity.
* Make it difficult for someone to strip your purse from you by keeping
your arm through both purse straps
or putting the strap over your head so it is diagonal across the
body. Never leave your purse
unattended in a shopping cart or stroller.
* It's difficult to keep an eye on kids, packages and surroundings at
the same time. If you have small
children, try to shop with another adult so one can keep their
attention on the children and one on the
surroundings.
PROGRAM AVAILABLE FOR ELEMENTARY SCHOOLS, TEACHING KIDS ABOUT GETTING
ORGANIZED �C NAPO? in the Schools is a nationwide community outreach
program of the National Association of Professional Organizers (NAPO?).
The program brings professional organizers into the classroom with a
totally interactive presentation, teaching students basic organizing
principles and the benefits of being organized. The emphasis of the
elementary school program is managing "stuff." A disorganized child
character, Drake or Hazel, is introduced to the students in an
interactive way that illustrates how being disorganized affects the
character's life. The students find ways to get Drake/Hazel organized
and see how being organized helps him/her. A hands-on organizing
exercise then teaches students some basic organizing principles and the
concept of sorting. Ori Parnaby of Organize with Ori is trained to
present this free program in Tucson. Please contact her for more
information about how your child's school can participate at 661-8528 or
ori@organizewithori.com.
MILITARY COMMUNITY RELATIONS COMMITTEE ASKS FOR INPUT (By Katie Bolger,
Ward 2 Council Aide) �C The Ward 2 Council Office has received a request
from the Military Community Relations Committee (MCRC) for community
input on the Air National Guard's Operation Snowbird (OSB). OSB is an
Air National Guard program that brings foreign and out-of-state fighter
jets to Tucson for combat training. The program will be reviewed for its
impact on Tucson neighborhoods. If any citizen of Tucson would like to
offer comments, suggestions or historical data regarding OSB for review
by Davis-Monthan AFB, they are asked to email information directly to
the Director of the Community Initiatives Team, Mr. Scott Hines at
Scott.Hines@dm.af.mil or 355FW.CIT@dm.af.mil for cataloging and
sharing with all MCRC members.
A NEW BOOK BY OUR OLD FRIEND (Leighton Rockafellow's Newest Book is NOW
Available) �C Our good friend and fellow attorney, Leighton Rockafellow,
recently published his second novel of legal suspense. Immaculate
Deception is set in Tucson and features Tucson landmarks and characters
that are "Tucson composites." The book is available online at
www.Wheatmark.com/bookstore/. Type "Leighton Rockafellow" in the
subject box for ordering information. Leighton is a talented singer,
good friend, family man and author. If his book is anything like his
personality, you are in for a real treat. You might want to consider
ordering one as a gift or for yourself!
FREE HEALTHCARE SCREENINGS IN TUCSON �C The AARP/Walgreen's Wellness
Tour is making a stop at the El Pueblo Neighborhood Center in Tucson on
Saturday, Dec. 5. Free healthcare screenings, which include total
cholesterol levels, blood pressure, bone density, glucose levels, waist
circumference and body mass index, will help provide adults with a
critical foundation for early disease detection and prevention. The
screenings will be provided at the El Pueblo Neighborhood Center (101
West Irvington Road) from 9 a.m. to 4 p.m. This free service will be
part of a Health Fair and afternoon dance with music, free refreshments
and raffle prizes.
WE NEED INTERNS FOR THE WARD 2 COUNCIL OFFICE INTERNSHIP (By Maril��
P��rez, Ward 2 Internship Coordinator) �C If you or someone you know is
interested in learning more about city government, gaining great office
experience and customer service skills, and likes meeting new people,
then think about applying for our internship program. Interns have the
opportunity to shadow Councilman Glassman and participate in projects
that pertain to the future of the City of Tucson. It's also a fun way to
network with City officials, business people, neighbors and community
advocates. We offer volunteer experience and college credit.
Email your r��sum�� and cover letter to marilu.perez@tucsonaz.gov, or
email to ask for additional information. Though we do not have funds to
pay our interns, both The University of Arizona and Pima Community
College offer the opportunity for students to earn course credit for
their participation.
DROP OFF ITEMS FOR DONATION �C Ward 2 is pleased to serve as a drop off
point for your donations to the following groups:
* TOYS FOR TOTS �C For the Holiday Season!
* THE COMMUNITY FOOD BANK �C Non-perishable foods
* THE SOUTHERN ARIZONA COMMUNITY DIAPER BANK �C Infant/child/adult
diapers
* SAAF (Southern Arizona Aids Foundation) �C Personal hygiene products
and household cleaning products
* TIHAN (Tucson Interfaith HIV/AIDS Network) �C Personal care items for
individuals and families in need
* ICU �C Eyeglass donations to a student-led organization that sends
them to war-torn countries
* CINDERELLA'S CLOSET �C Prom dress donations so that all young ladies
can have a beautiful gown for
their prom. Please feel free to drop off prom dresses and
accessories to any of the following sites:
- Ward 2 Council Office (7575 E. Speedway)
- State Farm Insurance Agency (6801 E. Camino Principal, Suite
103)
- YWCA (525 N. Bonita Avenue)
- Sahuaro Girl Scout Council Office (4300 E. Broadway)
- Bookman's (3733 W. Ina Road)
Our office is always here to assist you, whether it's a new trash can
or master planning a future development in your area. Please feel free
to contact us anytime and I hope you have a great week!
Your Tucson City Council Member for Ward 2,
Rodney Glassman
FUTURE EVENTS �C (Plan to join us at these upcoming events):
Space is limited. Please RSVP for all events at the Ward 2 Council
Office at 791-4687 or email marilu.perez@tucsonaz.gov.
* Friday, Dec. 11, 5:30 p.m.,Ward 2 Holiday Party and 2nd Annual
Neighbor Appreciation Awards.
Join us at the Ward 2 Council Office (7575 E. Speedway) to
celebrate the coming holidays
and honor our deserving neighbors for their great deeds in the
community! Also, bring the family to
meet Santa Claus! The Tucson Barbershop Experience will entertain
us and refreshments will be
provided by the Art Institute Culinary Program.
* Saturday. Dec. 12, 1 �C 3 p.m., Udall Park �C Unveiling of the L��szl��
Veres Amphitheater and mini-
holiday concert. Bring your favorite holiday cookies and copies of
the recipe to share. Enjoy hot cocoa
and cider. Santa will be there for a special photo opportunity with
your little ones. The photo will be free
when you bring an unwrapped toy for Toys for Tots.
* Wednesday, Dec. 16, 5 �C 7 p.m., Meet your new City Council Members
Richard Fimbres and Steve
Kozachik at McMahon's Prime Steak House (2959 E. Ft. Lowell Rd. at
Swan). RSVP to the Ward 2
Council Office at 791-4687.
Rodney Glassman
City of Tucson, Council Member Ward 2
Eastside City Hall
7575 E. Speedway
Tucson, Arizona 85710
(520) 791-4687
www.tucsonaz.gov/ward2.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

ohsu awarded 58 million to make bigger health in rank machinery

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At the request of Mr. Pieuk, the following email has been edited in terms of its content.

From: "Clare Pieuk" < pieuk@shaw.ca >
To: "Lionel Chartrand" < lrc@shaw.ca >
Sent: Wednesday, February 11, 2004 8:53 AM
Subject: Why I don't like David Chartrand - a short essay by Clare Pieuk

Wednesday February 11, 2004

Hi again Lionel. Something you said the other evening regarding how we share a common dislike of David Chartrand triggered after thoughts with me.

My feelings are not academic or conceptual rather they're based on an up close and personal experience. When he arranged to have Alphonse Ducharme, Leo Campbell and I fired it had absolutely nothing to do with workplace performance it was all about our opposition to the [. . .] move of LRCC to 150 Henry Avenue[.]

[. . . .] Subsequently I was unemployed for one year. This was not the result of a lack of trying �C sent out over 450 covering letters and resumes during that period! No doubt my age played a significant role - I was almost 56 when this happened. It was so uncalled for and totally unnecessary!

Finally, the only job I could find was working the night shift for .55/hour at a call centre (Convergys). It was a contract position which expired after six months and then it was another two or three months before I was able to re-establish my teaching career at Red River College. These were not easy times financially. After my EI ran out I had to dip into my RRSPs - I'm certainly not a wealthy person by any stretch of the imagination but fortunately have always been able to manage my money carefully.

Many a time I thought if I simply walked away from this and do nothing how will I ever be able to live with myself down the road knowing I let it happen and did nothing? So that's why I've poured thousands and thousands and thousands and thousands of hours into helping Terry Belhumeur build CyberSmokeSignals into what it is today �C to show the world what people like David Chartrand and those close to him are really like and all the good people they've seriously hurt because of their obsession with power. It certainly has not been for financial gain because all my efforts have yet to gain me a penny.

Although I have no legal training, my sense is that Murray Trachtenberg has a very,very weak case. In my opinion It's nothing more than a thinly disguised, shoddy tempt at litigation chill by David Chartrand. Anything to bully those who refuse to bend down to kiss his ass.

There I said it and I'm glad! Thanks Lionel.

Clare.

the news about the news media denied access to school flu clinics

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

the news about the news media denied access to school flu clinics

By Taylor Finch

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The Rhode Island Department of Health and school district in South Kingston together are not allowing journalists to be present at school-based clinics giving the H1N1 shot, due to the HIPAA, also known as the Health Insurance Portability and Accountability Act.
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The HIPAA was an act made in 1996 that provides federal protection for personal health information held by covered persons and corporations that gives these patients a variety of rights in respect to their health information.

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A particular journalist that is known for covering the school district of Sough Kingston, was turned away by the school's superintendent and told to leave the clinic area, for he was not allowed to even take pictures of people who were even waiting in line for their shots or take statements from them.

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The superintendent said the local journalist was not able to do so under the patients' protection under the HIPAA.

The journalist did not give up there. He obtained parental consent from a few mothers in line with their children in order to take pictures of their children getting their shot,cheap college health insurance student but he was still denied access,even with the consent.

He found this odd,cheap college health insurance student due to the fact that he has been able to cover stories dealing with the school district's past flu shot clinics.

The journalist later inquired to the Rhode Island Department of Health, only to find out that he was not allowed access into the clinic because department did not want to stir up fears about H1N1.cheap college health insurance student

Though the journalist did the right thing in gaining consent, apparently the Department of Health did not see it ethical or legal to publish photos or quotes from inside the clinic.
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(Photo Credit: www2.med.umich.edu).

northerntruthseeker global warming is a scam

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

northerntruthseeker global warming is a scam

I have said it before many times, and I will continue to say it now; Global Warming Is A SCAM! The Earth is NOT overheating, but is actually going through natural cycles between warm and cold periods. Our planet is totally dependent on the SUN for its energy, and right now, the solar radiation output from the Sun is diminished.cheap college health insurance student The result is that the Earth is right now cooling! This is a natural cycle, and after a period of of time that some scientists say lasts around 30 years, the Sun will go into a period of increased solar radiation output and therefore our planet will go into a period of warming. Man made chemicals have absolutely no effect on this cycle!

More articles are coming out showing excellent reasoning as to why Global Warming is a Scam,cheap college health insurance student and I want to present here one of those articles, put forward as an editorial by Matt Gray, as it originally appearing in www.blog.nj.com in June,cheap college health insurance student 2009. Here is the article, with my comments to follow:

News Viewpoint: Global warming is a giant scam
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By Matt Gray
June 01, 2009, 3:20PM
To the Editor:
Former Vice President Al Gore says the science is settled and refuses to debate anyone about global warming.cheap college health insurance student Of course he can't debate anyone on the issue, because he will be exposed for the charlatan that he is. The Nobel Peace Prize and the Oscar was bestowed upon him by his liberal cronies for his movie, "An Inconvenient Truth."
This is the same movie that is shown to our school children and presented as gospel in order to indoctrinate them into the global warming camp.cheap college health insurance student It is also the same movie British High Court Judge, Mr. Justice Barton ruled contained gross exaggerations and incorrect information and could not be shown to students without an opposite point of view or a disclaimer.
Al Gore also dismisses the 31,000 scientists from around the world who signed a petition rejecting the global warming alarmism.cheap college health insurance student Mr. Gore's crony in this scam is Dr. James Hansen of NASA. This is the same man who 30 years ago said the earth was cooling and we were headed for another ice age!
Global warming is nothing more than a grand hoax, designed by the environmental groups (the Natural Resources Defense Council and the Environmental Defense Fund are the largest with over 3 million in annual revenues and over 5 million in assets) to scare the world into voluntarily giving up fossil fuels and to steal wealth from the most prosperous nation on earth and redistribute it to those of their choosing.cheap college health insurance student
These groups have a huge influence in Washington, D.C. They give lip service to "clean energy," but block all efforts by this nation to retrieve its own natural resources.cheap college health insurance student They block all efforts to drill for gas and oil. They hate coal. They block access to federal lands for drilling. They oppose the importation of tar sand oil from Canada and they are opposed to the extraction of shale oil here in the United States.
They prevent us from building any new gas refineries and they are even opposed to nuclear power,cheap college health insurance student which releases zero carbon dioxide into the atmosphere.
They make and keep us dependent on foreign oil, while trumpeting "green energy" sources like wind and solar power. But when a wind farm was proposed for an off-shore site at Hyannis Port, Cape Cod,cheap college health insurance student near the Kennedy compound, it was opposed by none other than environmentalist extraordinaire Robert Kennedy Jr. I guess wind power is great, but just not in his back yard.
The environmental groups have also opposed or held up in court several large-scale solar farms proposed for our western deserts because of their concerns for the affected wildlife.cheap college health insurance student So in other words, they claim to be for "clean energy," but in reality, they are for no energy at all.
Currently,cheap college health insurance student we derive about 1 percent of our energy from wind and solar power. Both forms of energy are highly inefficient and depend heavily on taxpayer subsidies. A megawatt hour of wind power is now subsidized at .37, while solar power is subsidized at .34.cheap college health insurance student Compare this to coal at 44 cents and natural gas at 25 cents.
The official White House estimate for the initial roll out of the cap and trade system is 6 billion dollars over 8 years. But word leaked out from a meeting between Senate staff and the deputy director of the White House National Economic Council, Jason Furman, who stated that the true cost of the cap and trade system would be two to three times the initial projections.cheap college health insurance student The Dow Jones reports that five people at this meeting confirmed his statements.
If this is right, then the true costs will be in the trillions, between .3 and .cheap college health insurance student 9 trillion dollars. No company is going to absorb these cost and they will be passed on to the consumer, to the tune of roughly ,100 dollars per year. If people would have listened to Obama during his run for the presidency, he told us,cheap college health insurance student "Under my plan of a cap and trade system, electricity rates would necessarily skyrocket ... whatever the industry was, they would have to retrofit their operations.cheap college health insurance student
That will cost money. They will pass that money on to consumers." He also said, "If they want to build coal-fired power plants they can, but the cost to do so will bankrupt them.cheap college health insurance student "
This whole cap and trade system is nothing but a scam, designed to pull money literally out of thin air. The government can then offset the costs for Universal Health Care, college tuition for all, pre-kindergarten,cheap college health insurance student welfare and all of the other social programs which are designed to enslave another sector of society and make them dependent on the liberals for their very existence. The liberals know it's a scam themselves.
On April 17 of this year, Moveon.org's Adam Ruben sent out a fund raising e-mail which stated,cheap college health insurance student "If Republicans convince voters that clean energy legislation amounts to a new tax, Obama's plan is toast." They are trying to disguise their true agenda. This is why they have stopped using the term "global warming" and now call it "climate change." They now call it climate change, because the earth has in fact been cooling for the last 10 years and this past winter was one of the worst on record.cheap college health insurance student People are becoming very suspicious of their message and they know that their movement is losing support.
As you become poorer, just remember, Al Gore's net worth in 2001 was estimated to be between and 2 million dollars. Today,cheap college health insurance student his net worth is over 0 million dollars. Of course he made some of this money from his film, book deals and speaking engagements, but the majority of this money was made through his private equity firm, Generation Investment Management. He is heavily invested in "green" corporations and technologies and he is also a large purchaser of "carbon credits.cheap college health insurance student " He and all of his political cronies are set to reap a windfall from this legislation, all while they burn more fossil fuel in one day than most of us burn in one year.
This cap and trade system should be called a cap and tax scheme, because that is all it is. A new way to scare you out of more of your hard-earned money.cheap college health insurance student Humans contribute less than 4 percent of the total volume of carbon dioxide, which itself, makes up just 0.038 percent of the atmosphere.
On April 1 of this year,cheap college health insurance student the U.S. Supreme Court ruled that the Environmental Protection Agency had the authority to regulate the emissions of carbon dioxide from automobiles. The head of the EPA, Carol Browner, wasted no time deciding that the EPA would soon declare carbon dioxide a danger to the public,cheap college health insurance student which clears the way for regulations and mandatory reductions in the emission of this gas. For those who do not know Ms. Browner, she was one of 14 members who sat on the Socialist International's commission for a Sustainable World Society. This group calls for "global governance" and believes rich countries must shrink their economies to address climate change.
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Ms. Browner was tapped by President Obama to head the EPA in early January of this year and her name was removed several days later from the Socialist International Web site. I thought Obama wanted transparency in his administration? Are they afraid the public would reject his pick because of her socialist ties?
This cap and trade bill is currently in committee in the U.S. House of Representatives.cheap college health insurance student It is known as the Waxman-Markey bill. This bill is 946 pages long. I wonder how many of our representatives will read this one? Probably the same number of our elected representatives that read the American Recovery and Reinvestment Act before signing it into law, which was a grand total of "zero." Even they know this scheme will cause a massive loss of jobs. Buried deep in the bill is what the group calls a "Response Guide for Mass Unemployment,cheap college health insurance student " giving three years of salary and health insurance, plus job training and relocation costs, to displaced workers.
This scheme is projected to reduce our gross domestic product by over 10 percent in 50 years, and according to the Massachusetts Institute of Technology,cheap college health insurance student gasoline prices could rise by nearly 30 percent and electricity prices by 55 percent by 2015. This is nothing more than the largest tax hike in American history. I hope everyone who reads this piece will contact their representatives in Washington and tell them in no uncertain terms that they will lose your vote if they sponsor this legislation.
This president and this administration has a radical agenda and they are in a big hurry to get it all passed before we catch on. As any scientist/chemist/pharmacist will tell you,cheap college health insurance student "Everything is a poison �� it's just in the dosage". Well, if this administration thinks the air that we exhale is a poison, then I think this administration is a "poison," and if they up the dosage anymore, they are going to kill our economy and prosperity.cheap college health insurance student I am offering this warning: We better catch on fast or it will be too late sooner than you think.
Albert McCloy
Bridgeton

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NTS Notes: More and more scientists are now coming forward exposing the truth about "Global Warming" as being a fraud. My previous articles have shown clearly that the patron saint of "Global Warming", Saint Al of Gore, is a con artist who is in the Global Warming game for his own personal profit!

Further research into the rationality of the Global Warming scam is required,cheap college health insurance student and I will do my best to obtain, and to write, articles in pursuit of the truth. Something devious is behind this scam, and people need to know.
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More to come

NTS.

arizona real estate journal your 2010 money calendar cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

arizona real estate journal your 2010 money calendar cheapcollegehealthinsurancestudent com

Key dates to bookmark for the year ahead.

JANUARY

1 �C Parents of college-bound high school seniors: Fill out Free Application for Federal Student Aid (FAFSA).

4 �C First trading day of 2010.

7 �C Set financial goals, update your budget and resolve to pay off holiday debt 8 �C Convert traditional IRA to a Roth; income limits for conversions are gone.

15 �C Estimated federal taxes for the fourth quarter of 2009 are due.

20 �C Consult with a financial planner.

21 �C Seniors: If you're over 70?, talk to your IRA administrators about resuming regular required minimum distribution payments.

26 �C Federal Open Market Committee meets to review interest rates.

FEBRUARY

2 �C Think taxes: Your 1098, 1099 and W-2 statements should arrive by today. Finish gathering tax documents and put them in a folder for later.

4 �C Your Money Bus stops in Charleston, S.C.

7 �C Billions of dollars in bets will be riding on Super Bowl XLIV.

12 �C Investors: Standard & Poor's 500-stock index has gone down 15 of the past 18 years on the day before Presidents Day weekend. You could pick up some cheap shares.

15 �C Presidents Day. Before you hit the sales, take our quiz to find out what kind of spender you are.

22 �C New credit-card rules go into effect.

22 �C Your Money Bus stops in Palm Beach, Fla.

MARCH

1 �C Shoulder season starts today and runs through May. Look for bargains on travel.

3 �C Keep an eye out for proxy forms. They'll let you vote on shareholder issues without being present at the annual meeting.

6 �C Think taxes: Assign value to stuff you donated to charity if you itemize deductions.

9 �C Your Money Bus stops in Birmingham, Ala.

14 �C Daylight Savings Time begins. Spring forward.

15 �C Deadline to empty your 2009 health-care flexible spending account (if your plan allows the 2?-month grace period).

16 �C Federal Open Market Committee meets to review interest rates.

19 �C Triple Witching Day for the stock market: Contracts for stock-index futures, stock-index options and stock options all expire together. Brace for volatile trading.

APRIL

1 �C It's Financial Literacy Month.

1 �C Seniors: Deadline for taking your first required minimum distribution from IRAs and other retirement accounts.

2 �C Your Money Bus stops in Cleveland.

3 �C Prepare your income-tax return this weekend.

12 �C First-quarter earnings announcements for the Dow Jones industrials begin with Alcoa.

15 �C File your tax return or request an extension. Estimated federal taxes for the first quarter are due.

16 �C Expect a big tax refund?Adjust your withholding.

22 �C Earth Day. Save money and the planet by switching to compact fluorescent bulbs.

27 �C Federal Open Market Committee meets to review interest rates.

MAY

1 �C Berkshire Hathaway annual shareholders meeting, in Omaha. Treasury announces semiannual I-bond rates.

2 �C Mother's Day is May 9.

6 �C Your Money Bus stops in Fort Worth.

11 �C Celebrate the 100th anniversary of Glacier National Park. A visit to one of the 58 national parks is a great idea for an inexpensive summer getaway.

12 �C Book a tune-up for your air-conditioning or sprinkler system before summer sets in.

19 �C Start planning your summer vacation (use a booking site such as Kayak.com).

27 �C College-bound high school grads: Complete student-loan applications, including those for federal Stafford loans and federal PLUS loans for parents.

30 �C Use your tax refund to pay down credit-card balances or seed an emergency fund.

JUNE
1 �C Investors: The stock market historically dips the week after Memorial Day. Look for cheap buys.

3 �C Your Money Bus stops in San Diego.

7 �C Recent college grads: Consolidate student loans. Make a money-smart plan for what to do with your graduation cash (start an IRA, create an emergency fund).

12 �C Shop for Father's Day on June 20.

15 �C Estimated federal taxes for the second quarter are due.

17 �C Your Money Bus stops in Portland, Ore.

21 �C Investors: Dow down 17 of the past 19 years-don't sell this week.

22 �C Federal Open Market Committee meets to review interest rates.

JULY

2 �C Midyear financial checkup: Update the goals you set in January and rebalance your portfolio, if necessary.

4 �C Independence Day. Break free from debt by tallying up what you owe and making a plan to pay it off.

7 �C Your Money Bus stops in Colorado Springs.

12 �C Second-quarter earnings announcements for the Dow Jones industrials begin with Alcoa.

21 �C Reshop your auto insurance (www.insweb.com), homeowners coverage (www.accucoverage.com) and life insurance (www.accuquote.com).

26 �C If you're over 50, find out about long-term-care insurance: Take our quiz to learn more.

AUGUST

1 �C Shop early for an end-of-the-model-year car deal. You'll get the best combination of price and selection as dealers clear inventory.

3 �C This is the month for statewide sales-tax holidays for back-to-school shopping.

5 �C Your Money Bus stops in Omaha.

9 �C Investors: Prepare to hunker down. From 1988 to 2005, August was the worst month for the Dow and the S&P 500.

10 �C Federal Open Market Committee meets to review interest rates.

24 �C Investors: Look for the market to gain strength. The end of the month has been strong for the past five years.

26 �C Renegotiate the rate on your credit card.

SEPTEMBER

1 �C Fall marks open-enrollment season for employer health-insurance plans. Review your options, even if you can keep the same coverage.

2 �C Start scouting for deals for holiday travel. Wednesday is the cheapest day to fly, with the exception of the Wednesday before Thanksgiving.

3 �C Investors: Watch for stock-market instability. Triple-digit Dow moves are commonplace leading up to Labor Day.

9 �C Your Money Bus stops in Milwaukee.

15 �C Estimated tax payments for the third quarter are due. Deadline for submitting corrections to your FAFSA.

21 �C Federal Open Market Committee meets to review interest rates.

30 �C Your Money Bus stops in Washington, D.C.

OCTOBER

1 �C If you're self-employed, deadline to establish a Simple IRA.

2 �C Financial Fitness Workshop, in New York City.

7 �C Third-quarter earnings announcements for the Dow Jones industrials begin with Alcoa.

8 �C If you've lost money on a Roth IRA conversion, you can still recharacterize. Contact your Roth sponsor ASAP.

15 �C Deadline to file your tax return if you requested an extension in April.

21 �C Get Smart About Credit Day. Buy your FICO scores at www.myfico.com.

22 �C Investors: Look for good buys on depressed stocks; October has marked the end of 11 post-World War II bear markets.

NOVEMBER

1 �C Treasury announces semiannual I-bond rates. Buy candy on the cheap after Halloween.

2 �C Federal Open Market Committee meets to review interest rates.

7 �C Daylight Savings Time ends.

8 �C New college grads: First student-loan payments are due this month.

15 �C Open enrollment begins for Medicare Part D and Medicare Advantage plans, and continues through December 31.

17 �C Investors: Time to sell? The Dow has been up 13 of the past 16 years in the week before Thanksgiving.

24 �C Log on to www.gottadeal.com to plan your Black Friday/Cyber Monday shopping strategy.

29 �C Cyber Monday: Save on sales at most online retailers.

DECEMBER

1 �C Investors: Before you buy a mutual fund in a taxable account, check the fund's Web site for its ex-dividend date and purchase shares after that date to avoid a tax bill.

5 �C Make year-end donations to a charity or your alma mater and lock in a tax deduction.

13 �C End of 2010 is your last chance to make energy-efficient home improvements and get a 30% tax credit up to ,500 (deadline: December 31).

14 �C Federal Open Market Committee meets to review interest rates.

18 �C Best time of the year to buy a computer-deals range from 15% to 50% off, or you could score a free printer or software package.

31 �C Deadline for taking annual required minimum distributions from your retirement accounts, setting up a solo 401(k) plan and enrolling in a Medicare prescription-drug plan.

duke fact checker 1152010 duke university celebrates dr martin cheapcollegehealthinsurancestudent com

user — Fri, 07 May 2010 02:46:07 TIME_ZONE

duke fact checker 1152010 duke university celebrates dr martin cheapcollegehealthinsurancestudent com

Fact Checker here.
?
Duke does precious little for the patriotic holidays, letting July 4th, Memorial Day and Veterans Day go by with barely a mention.cheap college health insurance student It neglects American heroes like Washington and Lincoln by passing on President's Day too, not to mention the common working man's Labor Day. On the most rare of occasions, it does pay homage to the eclectic, as when President Brodhead adopted the role of Satan and joined in readings to celebrate the 400th anniversary of Milton.
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In this context, with so little observance of other holidays, the annual week-long celebration of Dr. Martin Luther King's birthday has raised many eyebrows: Is Duke trying to atone for its racist past? Is the University pandering?
I shall leave that debate to others, and instead propose that we follow the grand sweep of speakers and events in the coming week with new resolve to address unfinished business right here on campus.cheap college health insurance student
?
AYCOCK DORM.
At the beginning of last semester, two student leaders (Bergmann and Passo) called our attention to the man whom we honor with this building: an aggressive white supremist,cheap college health insurance student agitator and fomenter of a lynch mob in Wilmington NC that succeeded in killing dozens of blacks �� perhaps 100 �� on November 10, 1898.
A Deputy Fact Checker wrote to President Brodhead on September 22, 2009 about this outrage �� and sent two other e-mails to jar him �� and has yet to receive the courtesy of a reply.
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The WILLIS SMITH AWARD
Given annually to the law school graduate with the highest academic average, this award memorializes a rabid racist. Chair of our Trustees, he stopped two votes by the board that would have integrated Duke.cheap college health insurance student He also ran for the US Senate. His winning slogan: "Wake Up, White People!" He labeled his opponent, Frank Porter Graham of UNC fame, as a proponent of "mingling of the races."
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A Deputy Fact Checker wrote to Mr. Brodhead and Dean Levi of the Law School about this disgrace, and I regret to report to you that there has been no response since September. With Brodhead, I have come to expect it. Shame on you Dean Levi.cheap college health insurance student
?
FACULTY HOMESITES
Duke took a small segment of its vast forest and carved it into building lots for faculty members. It inserted two covenants in every deed:
The faculty member could never sell nor rent to a person "with Negro blood,cheap college health insurance student " a common covenant in the south in years ago.
The faculty member could not allow a person "with Negro blood" to sleep over on the property unless he or she was household help. That's distinctly Duke.
People of good faith have challenged these covenants for more than half century; after much prodding President Brodhead went further than any of his predecessors in responding,cheap college health insurance student adding to the deeds a promise that Duke would never enforce its rights. Though he called this "largely symbolic," Fact Checker found it interesting that Mr. Brodhead never apologized, and made an underling sign the promise. Sadly,cheap college health insurance student only one member of the faculty spoke up in support of Mr. Brodhead's actions, even though hundreds are directly affected.
Brodhead's "action" is not good enough. As the former University Counsel agreed,cheap college health insurance student Duke can take legal steps not only to waive its rights under living covenants, but to kill the covenants themselves. Here's one time that we should call for the death penalty.
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ENDOWMENT FOR WHITES ONLY
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Duke takes money for special causes, for example scholarships restricted to blacks. I find that laudable �� to advance a stated university goal to make higher education more available to people historically discriminated against or marginalized.
Some donors had malice in their hearts when they restricted their endowments to "whites only." That's wrong.cheap college health insurance student
Duke has secretly sued two of those early donors to try to change the terms �� but our secretive administration refuses even to say what court the lawsuits were filed in.
It's time for the Brodhead Administration to come clean on this one, to show us all the cards.
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AWARD FOR TEACHING EXCELLENCE
Dr. King stood for more than racial justice. He summoned everyone of us to fulfill all of America's promise with honor and fairness and social and economic justice.
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Which brings us to the award presented annually by the President personally �� named for a sick homophobe who carried on a personal pogrom. How's this quote: "There are two things we cannot have around here. Thieves and homosexuals."
Mr. Brodhead,cheap college health insurance student answer the e-mail you got four months ago on this.
?WOMEN'S ISSUES
Nan Keohane initiated a thorough review of the status of women at Duke, and Dick Brodhead buried it. There will be a revival in the coming weeks,cheap college health insurance student and here are some statistics that should loom large at that time.
The numbers are from the American Association of University Professors, salaries for the nine month 2008-2009 academic year at Duke.
Full professor �C average excluding Medical School
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Male 3,600 (Above the 95th percentile for all academics)
Female 2,400
Associate professor �C etc
Male 6,cheap college health insurance student 300
Female ,500
Assistant professor �C etc.
Male ,cheap college health insurance student 900
Female ,800
Why the academics on this campus do not raise holy hell about this, I have no idea. Engage,cheap college health insurance student my teachers, engage!
FACULTY HIRING
? The Keohane initiative to hire at least one new black faculty member in every department bore some fruit. But not enough. Fact Checker does not have updated statistics.cheap college health insurance student But I assure you we can do better.
I would hope in the not too distant future, one of our newest recruits, Professor Matory,who was very outspoken at Harvard,cheap college health insurance student will be heard.
?
CHARGES FOR MEDICAL CARE
As Mr. Brodhead has noted,cheap college health insurance student the Duke Health System has more than 700 contracts with health care insurers and others �� a crazy quilt that means different people are charged different fees for the same treatment. Indeed the task of keeping tabs on all this �� and squeezing out every dime �� is so complex that we have set up a separate entity, the Patient Revenue Management Organization, with 1,341 employees. Fact Check: yes that's right,cheap college health insurance student 1,341 employees sending out medical bills.
And who do you think pays the highest fees for medical care? People not covered by insurance, who do not have contracts with a negotiated discount. Those discounts can be huge �� 50,cheap college health insurance student 60, 70 percent.
The uninsured people are most often poor, often minority. And they are always pursued by Duke for every buck.cheap college health insurance student For most of them, Duke is not a school or a hospital, but a plaintiff represented by an aggressive collection attorney.
This is immoral. At the very least,cheap college health insurance student the poor should be accorded the same rates as the rich, who benefit from negotiations by insurance companies. Chancellor Dzau, take time off from your international travels and high paid corporate directorships, and address this.
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?
INVESTMENT POLICY.
Hold up a piece of imported Swiss cheese. Notice the holes? Our investment policy is worse.
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Duke's pledge to withhold investments in Sudan is empty. It covers only "direct investments," that is, when we go to the stock market ourselves and do the picking. It does not cover our hiring of investment managers �� private equity and hedge funds �� who in turn do the picking.
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Loyal readers, at least .3 billion does not fall under our policy.
All of Duke's investments are a big secret. Duke says to reveal any of its holdings and the results of its trades would cut into our annual return.cheap college health insurance student That's as close to bullshit as you can get: even the charity founded by the partners of the Wall Street vultures Goldman Sachs reveals its annual purchases and sales, profits and losses, and not one of Goldman's partners has been heard to say this affects the yield.
Moreover, our investments should be made with more than an eye toward profits.cheap college health insurance student They should do some good too.
?? DR KING VISITS DUKE
Finally a history lesson. Fact Checker provides historical background and discusses Dr. King at Duke on November 13,cheap college health insurance student 1964.
For many years prior to that date, as Dr. King emerged as the moral leader of his generation, students and others called for an invitation for him to speak �� an invitation to be handled by the Major Speakers Committee of the Student Union.cheap college health insurance student
But there was subtle pressure against this. From administrators, from stacking the committee. Dr. King was "too radical" and "too disruptive.cheap college health insurance student " We'd prefer "someone with an intellectual approach." "Inflammatory."
Please understand the times: during most of these years Duke was segregated. When students in Women's College voted to ask the Trustees to include blacks, the KKK burned a giant cross through the night in front of the East Campus auditorium.cheap college health insurance student The White Citizen's Council held sway with rallies at Durham High School's football stadium, George Wallace punctuating the night air with cries for "segregation forever."
There were sit-ins in Durham for the right of blacks to eat at lunch counters, and pickets for the right to go to movie theaters. Duke's drama students invited their counterparts from North Carolina Central to a performance �� only to have President Edens (honored with his name on a quad) bar them,cheap college health insurance student explaining Page Auditorium had no rest rooms for blacks.
Even after Duke desegregated, the athletic director refused to take down the "Negro Section" sign at the football stadium (he's honored with Cameron Indoor Stadium). And on the very day that the first four black undergraduates arrived, the new president of the university (honored by having Knight House named for him) knowingly joined the notorious all-white Hope Valley Country Club.cheap college health insurance student
And so the Student Union invited the president of Morehead College in Atlanta, Dr. Benjamin Mays, as our first major black speaker. He fulfilled the milquetoast requirement perfectly.cheap college health insurance student
When Dr. King won the Nobel Peace Prize, he could be denied an invitation no longer.
He promptly accepted �� indeed Duke was one of his first stops.cheap college health insurance student But segregationists took control of arrangements and denied the foremost Christian preacher of the era the pulpit in Duke Chapel. Relegated to Page Auditorium, an overflow crowd also gathered under loudspeakers on the Quad.
He had two messages:
�CThe Civil Rights Law of 1964 covering restaurants and hotels was very rapidly changing the landscape �� even in Alabama and Mississippi �� proving the moral force of law.cheap college health insurance student
�CPeople who stand by silently in an age of moral challenge are as guilty as the segregationists themselves in sustaining immorality and dishonor.
A few people did sit silent in Page. But many cried. And most rose in thunderous ovation and spontaneous singing of "We Shall Overcome.cheap college health insurance student " Please relive that moment in Duke's history by clicking here and listening.
http://mlk.duke.edu/archive/mlk09/audio.html
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?? Thank you for reading and supporting Fact Checker.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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DNC Chairman Tim Kaine's Statement on President Obama's Initiatives to Invest in Middle Class Families and Help Them Get Ahead

[25-January-2010]

WASHINGTON, Jan. 25 /PRNewswire-USNewswire/ �� DNC Chairman Tim Kaine issued the following statement after the President and Vice President held a meeting of the Middle Class Task Force today and laid out new initiatives that will help middle class families get ahead in this difficult economy.

(Logo: http://www.newscom.com/cgi-bin/prnh/20080519/DNCLOGO)

"A strong middle class has always been the backbone of America. And in these difficult times, middle class families have borne the burden of the recession. Families who have spent their lives working to build a bright future for their children have seen their savings dwindle away as they cope with soaring costs for child care, college tuition, and health care��all while folks struggle to hold on to their jobs.

"Today, the Middle Class Task Force proposed several new policy initiatives to help strengthen our economy and ease the burden on middle class families. These initiatives will help families caring for children and elderly dependents, students struggling with loan repayment and workers trying to save for retirement.

"Restoring a strong middle class is essential to strengthening our economy for the long-term. I want to thank President Obama and Vice President Biden for making working families a priority and for providing support for middle class workers as they struggle to care for their families and save for the future.

"The President and Democrats continue to fight for the middle class. As such, we must challenge Republicans who have worked for the past year in the same manner they did the previous decade �� standing up for oil companies, insurance companies, banks and Wall Street against the interests of middle class Americans. Republicans have stood with insurance companies against health reform, with banks against reforming the ways of Wall Street and with oil companies against energy reform. We will continue to press Republicans to see the value in making these investments in the middle class instead of continuing their lockstep movements with special interests to deny the middle class."

The recommendations of the Middle Class Task Force will:
1. Reduce costs of child care by nearly doubling the Child and Dependent Care Tax Credit for families earning less than ,000 per year and increasing child care funding by .6 billion, helping an additional 235,000 children.
2. Ease the burden of student loan payments by ensuring that no student pays more than 10 percent of his or her income above a basic living allowance on loan repayment.
3. Help workers save for retirement by requiring employers to provide an option for employees to enroll in a direct-deposit IRA.
4. Protect retirement by expanding tax credits to match retirement savings and enact new protections on those savings.
5. Support families caring for elderly relatives, help them to manage this responsibility and allow seniors to live in their communities for as long as possible.

SOURCE Democratic National Committee.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Apparently Sarah Palin and Hannity watched a different State Of the Union speech. What's more likely,cheap college health insurance student though, is that they were either too keen to distort President Obama's words or too stupid to understand what he said.

Here are some highlights from President Obama's speech:

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Now, the true engine of job creation in this country will always be America��s businesses. But government can create the conditions necessary for businesses to expand and hire more workers.

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We should start where most new jobs do �C in small businesses, companies that begin when an entrepreneur takes a chance on a dream, or a worker decides its time she became her own boss.

Through sheer grit and determination,cheap college health insurance student these companies have weathered the recession and are ready to grow. But when you talk to small business owners in places like Allentown, Pennsylvania or Elyria, Ohio, you find out that even though banks on Wall Street are lending again, they are mostly lending to bigger companies.cheap college health insurance student But financing remains difficult for small business owners across the country.

So tonight, I��m proposing that we take billion of the money Wall Street banks have repaid and use it to help community banks give small businesses the credit they need to stay afloat. I am also proposing a new small business tax credit �C one that will go to over one million small businesses who hire new workers or raise wages.cheap college health insurance student While we��re at it, let��s also eliminate all capital gains taxes on small business investment; and provide a tax incentive for all businesses, large and small, to invest in new plants and equipment.

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You see, Washington has been telling us to wait for decades, even as the problems have grown worse. Meanwhile, China��s not waiting to revamp its economy. Germany��s not waiting.cheap college health insurance student India��s not waiting. These nations aren��t standing still. These nations aren��t playing for second place. They��re putting more emphasis on math and science. They��re rebuilding their infrastructure. They are making serious investments in clean energy because they want those jobs.cheap college health insurance student

Well I do not accept second-place for the United States of America. As hard as it may be, as uncomfortable and contentious as the debates may be, it��s time to get serious about fixing the problems that are hampering our growth.cheap college health insurance student

This year, we have broken through the stalemate between left and right by launching a national competition to improve our schools. The idea here is simple: instead of rewarding failure, we only reward success.cheap college health insurance student Instead of funding the status quo, we only invest in reform �C reform that raises student achievement, inspires students to excel in math and science, and turns around failing schools that steal the future of too many young Americans, from rural communities to inner-cities. In the 21st century,cheap college health insurance student one of the best anti-poverty programs is a world-class education. In this country, the success of our children cannot depend more on where they live than their potential.

Now,cheap college health insurance student the price of college tuition is just one of the burdens facing the middle-class. That��s why last year I asked Vice President Biden to chair a task force on Middle-Class Families. That��s why we��re nearly doubling the child care tax credit, and making it easier to save for retirement by giving every worker access to a retirement account and expanding the tax credit for those who start a nest egg. That��s why we��re working to lift the value of a family��s single largest investment �C their home. The steps we took last year to shore up the housing market have allowed millions of Americans to take out new loans and save an average of ,cheap college health insurance student 500 on mortgage payments. This year, we will step up re-financing so that homeowners can move into more affordable mortgages. And it is precisely to relieve the burden on middle-class families that we still need health insurance reform.

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Now let��s be clear �C I did not choose to tackle this issue to get some legislative victory under my belt. And by now it should be fairly obvious that I didn��t take on health care because it was good politics.

I took on health care because of the stories I��ve heard from Americans with pre-existing conditions whose lives depend on getting coverage; patients who��ve been denied coverage; and families �C even those with insurance �C who are just one illness away from financial ruin.
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Starting in 2011, we are prepared to freeze government spending for three years. Spending related to our national security, Medicare, Medicaid,cheap college health insurance student and Social Security will not be affected. But all other discretionary government programs will. Like any cash-strapped family, we will work within a budget to invest in what we need and sacrifice what we don��t. And if I have to enforce this discipline by veto, I will.cheap college health insurance student

We will continue to go through the budget line by line to eliminate programs that we can��t afford and don��t work. We��ve already identified billion in savings for next year. To help working families, we will extend our middle-class tax cuts.cheap college health insurance student But at a time of record deficits, we will not continue tax cuts for oil companies, investment fund managers, and those making over 0,000 a year. We just can��t afford it.cheap college health insurance student

Rather than fight the same tired battles that have dominated Washington for decades, it��s time to try something new. Let��s invest in our people without leaving them a mountain of debt. Let��s meet our responsibility to the citizens who sent us here.cheap college health insurance student Let��s try common sense.

It��s time to require lobbyists to disclose each contact they make on behalf of a client with my Administration or Congress. And it��s time to put strict limits on the contributions that lobbyists give to candidates for federal office. Last week,cheap college health insurance student the Supreme Court reversed a century of law to open the floodgates for special interests �C including foreign corporations �C to spend without limit in our elections. Well I don��t think American elections should be bankrolled by America��s most powerful interests, or worse, by foreign entities. They should be decided by the American people, and that��s why I��m urging Democrats and Republicans to pass a bill that helps to right this wrong.cheap college health insurance student

But what frustrates the American people is a Washington where every day is Election Day. We cannot wage a perpetual campaign where the only goal is to see who can get the most embarrassing headlines about their opponent �C a belief that if you lose, I win. Neither party should delay or obstruct every single bill just because they can.cheap college health insurance student The confirmation of well-qualified public servants should not be held hostage to the pet projects or grudges of a few individual Senators. Washington may think that saying anything about the other side, no matter how false, is just part of the game. But it is precisely such politics that has stopped either party from helping the American people. Worse yet,cheap college health insurance student it is sowing further division among our citizens and further distrust in our government.

So no, I will not give up on changing the tone of our politics. I know it��s an election year.cheap college health insurance student And after last week, it is clear that campaign fever has come even earlier than usual. But we still need to govern. To Democrats, I would remind you that we still have the largest majority in decades, and the people expect us to solve some problems,cheap college health insurance student not run for the hills. And if the Republican leadership is going to insist that sixty votes in the Senate are required to do any business at all in this town, then the responsibility to govern is now yours as well. Just saying no to everything may be good short-term politics, but it��s not leadership. We were sent here to serve our citizens,cheap college health insurance student not our ambitions.

Throughout our history, no issue has united this country more than our security. Sadly,cheap college health insurance student some of the unity we felt after 9/11 has dissipated. We can argue all we want about who��s to blame for this, but I am not interested in re-litigating the past. I know that all of us love this country. All of us are committed to its defense. So let��s put aside the schoolyard taunts about who is tough.cheap college health insurance student Let��s reject the false choice between protecting our people and upholding our values. Let��s leave behind the fear and division, and do what it takes to defend our nation and forge a more hopeful future �C for America and the world.

We have finished a difficult year.cheap college health insurance student We have come through a difficult decade. But a new year has come. A new decade stretches before us. We don��t quit. I don��t quit. Let��s seize this moment �C to start anew,cheap college health insurance student to carry the dream forward, and to strengthen our union once more.

President Obama sent a few messages that apply to Sarah Palin:

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"Let��s try common sense."

"We cannot wage a perpetual campaign where the only goal is to see who can get the most embarrassing headlines about their opponent �C a belief that if you lose, I win."
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"So let��s put aside the schoolyard taunts about who is tough."

"We don��t quit. I don��t quit.cheap college health insurance student "

Ouch!

Visit msnbc.com for breaking news,cheap college health insurance student world news, and news about the economy

BONUS

You can read the funny bits and be spared the torture of listening to Sarah Palin.cheap college health insurance student

VAN SUSTEREN: Speaking of cold, we're going up to Alaska. Governor Palin is up there. Governor Palin,cheap college health insurance student if there is one single word that describes your view of the state of the union speech, what is it. and why?

SARAH PALIN, FORMER ALASKA GOVERNOR/FOX NEWS CONTRIBUTOR: In a word,cheap college health insurance student "lecture." I think there was quite a bit of lecturing, not leading in that,as opposed to Governor McDonnell's follow-up comments, quite inspiring his connection with the people. He absolutely gets it,cheap college health insurance student he understands government's appropriate role.

It seemed like our president has that fundamental disconnect between what people are expecting with their government and what he wants to deliver.

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VAN SUSTEREN: And Governor Palin, in terms of the speech, do you think he managed to reach across the aisle, even though you used the word "lecture," are any Republicans persuaded, let's try to work together?
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PALIN: Not necessarily Greta, because the remembrance here has got to be that he and the Democrats, they've been in charge of Washington this last year. So the common sense reforms that he is looking to Republicans to join him on, he could have implemented many of those "common sense,cheap college health insurance student " as he calls them, reforms all along. Nothing has stopped him from doing that.

His mention of offshore drilling,cheap college health insurance student considering that, and new energy plants, and other things that do make a lot of sense, and I appreciate he mentioning those in the speech tonight. Those things that again are common sense he could have implemented. And I think that was a bit condescending as he spoke that received by Republicans,cheap college health insurance student who are saying, wait, we wanted to do that all along. Where you been?

+++
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Spot the "mandation"

"I tell ya, this is why people are disenchanted and becoming more and more disengaged really from what their government is doing because when we see an issue like this, words spoken that may not be true,cheap college health insurance student coming from our president, and embarrassing our Supreme Court and not respecting the separation of powers... Since August more Americans have paid more attention to the (health care) bill and more Americans are becoming more concerned. It hadn��t been a matter of he not being able to explain his policy with government take over and mandation of health care,cheap college health insurance student but Americans understanding what is in there not liking it."

+++

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UPDATE 2 (by Patrick):

While America enthusiastically discusses the pro and cons of mandation, our reader "nickyinny" had a great idea and used a magic tool in order to reveal what was hidden to the viewers of Fox News:
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HI SARAH! GIVE OUR REGARDS TO THE OTHER SARAH!
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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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by michael boldin

as firstly posted on: tenth amendment meeting point blog
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april 7, 2010

the ap is treatment with the intention of the fbi has arrested a california man for creation threatening receiver calls to nancy pelosi.
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some cheap college health insurance student central officials say the man ended dozens of calls to pelosi’s homes in california and washington, as thriving as to her husband’s affair place of work, reciting her dwelling speak to and motto if she required to see it once more, she would not hold the health be bothered service debt with the intention of was in recent times enacted.
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meanwhile backside at the ranch….

barack obama has threatened the lives of millions of nation in iran, and he walks uncontrolled.cheap college health insurance student cheap college health insurance student abc reports gossip with the intention of obama, in help off the use of nuclear weapons, ended “exceptions for iran and north korea or any additional realm which violates the nuclear nonproliferation treaty.”

in additional expressions,cheap college health insurance student obama to nation of iran: compose definite your criminal cheap college health insurance student leaders do come again? we lack them to do, or you’ll not at all see your dwelling once more.

the single-handed devour is a criminal for threatening the criminal. definite,cheap college health insurance student i get with the intention of. but obama is a far better criminal – and so is pelosi too. and that’s not equal receiving hooked on the preceding administration’s crimes…

the criminals are administration the “justice” usage.
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Applying Refinancing loan or debt consolidation loan is not always easy. It isn't quite as easy as it sounds. Getting mortgage refinancing loan to consolidate debts is not always easy. The first step is to fill out an application to refinance your current mortgage. The number of foreclosures has been rising every month and families are exploring every option they have in order to save their homes. The main features of Obama's recovery stimulus package are: There are several grants available for all the homeowners irrespective of their credit ratings.
You can find many low cost refinancing home loan options on the web easily and quickly. If you have an adjustable rate mortgage (ARM), it may adjust to a rate that's higher than a fixed-rate mortgage. All of these are important points to keep in mind when considering the right time to refinance. When applying home mortgage refinancing, you are just doing something similar to calculate a mortgage. But you do not calculate mortgage but instead calculating how much does it cost you to refinance or consolidate debts.
If you are desperate to remortgage to consolidate yours debts don't be too quick to jump into something that may ultimately end up costing you more money in the long run. However be careful not to get 'burnt' by high remortgage fees! Although there are many independent financial advisers that will be able to get you a remortgage some will charge more than others. Do not approach your bank before you spend the time and effort to do this. Copies of asset information, Including accounts holding money for closing costs, statements for savings, checking and 401K accounts and investment records for mutual funds or stocks.
If your main goal is to quickly build up equity and to pay off your mortgage sooner, then the shorter-term loan is probably your best choice. "Using your home equity to pay off your high-interest credit card debt can save you money in the long run. You can start shopping for new options. But you get the flexibility to pay less if you need or want to divert your money elsewhere, such as contributing to your 401k or saving for your child's college tuition. Once you know this, you can choose the option that will best help you achieve your goals.
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Another option, if neither your current lender nor a local lender can assist you is to check with some of the other larger banks and mortgage companies. And even some of the houses that do not qualify supported down once they learned how hard it was to get the publicity. This is a golden time for the home buyers and people who want to borrow money.These are historic time, if you can afford the home; this is a golden time to jump in the real estate market.
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Thanks.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Author: Laurel Sanders

Source: ezinearticles.com

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Laurel Sanders
Director of Public Relations and Communications
Laurel Sanders joined OIT as the Director of Marketing in August, 2004 and was named Director of Public Relations and Communications in January of 2008. She previously served as the executive director of The Muse Machine in Dayton, Ohio,cheap college health insurance student where she was also a consultant in the planning and launching of a collaborative arts education program in Beaufort, South Carolina based on the Dayton model. Laurel was the development director for Dayton Opera and subsequently taught music and English in Germany. She holds a Masters in Arts Administration from the University of Cincinnati; a Bachelor's in Voice, magna cum laude from Ithaca College and the London Centre in England; and pursued business studies at Sinclair Community College in Dayton, Ohio as well as vocal studies at the Hindemith School in Switzerland.cheap college health insurance student She chairs public relations for the State College Downtown Rotary Club, assists with communications for the United Way, and is a member of the board of trustees for the Junior Baroque Music Festival in State College. Laurel is a published writer on business and technology topics and is fluent in German.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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When he started appointing "czars" (a communist term) that were radicals, but here we are:

The Fundamental Transformation of AmericaWhen Obama wrote a book and said he was mentored as a youth by Frank,(Frank Marshall Davis) an avowed Communist, Newspapers are a dying breed.When it was discovered that his grandparents, Obama's pick for health and human services secretarycould not be confirmed, sentObama's mother to a socialist school, introduced Frank Marshall Davis toyoung Obama, people said it didn't matter. people said itdidn't matter..When he wrote in another book he authored "I will stand with them(Muslims) should the political winds shift in an ugly direction." peoplesaid it didn't matter.When he admittedly,S. said he chose Marxist friends andprofessors in college, people said it didn't matter.When he traveled to Pakistan, after college on an unknown nationalpassport, people said it didn't matter.When he sought the endorsement of the Marxist party in 1996 as he ran forthe Illinois Senate,When he designed plans to take over the health care system and put itunder government control, people said it didn'tmatter.people said it didn't matter.When an independent Washington organization,he should call them out on it but he doesn't. gave him the distinctive title as the "most liberal senator",people said it didn't matter.When the Palestinians in Gaza, set up a fund raising telethon to raisemoney for his election campaign, people said it didn't matter.When his voting record supported gun control, please do not be angry with me because Ithink the President of your choice is a socialist,When he refused to disclose who donated money to his election campaign, straight, people said it didn't matter.When he received endorsements from people like Louis Farrakhan and MummarKadaffi and Hugo Chavez,people said it doesn't matter.When it was pointed out that he was a total, newcomer and had absolutelyno experience at anything except community organizing, Independents,When he chose friends and acquaintances such as Bill Ayers and BernadineDohrn who were revolutionary radicals, people said it didn't matter.When his voting record in the Illinois senate and in the U. harvesting human organs with out family consent,When he had an association in Chicago with Tony Rezco, including homosexualindoctrination, people said it didn't matter. lapel pin and did so only after a publicoutcry, people said it didn't matter.When people started treating him as a Messiah and children in schools weretaught to sing his praises, people said it didn't matter.When he stood with his hands over his groin area for the playing of theNational Anthem and Pledge of Allegiance, who is now in prison and had helped Obama to asweet deal on the purchase of his home,When he surrounded himself in the White House with advisors who were progun control, pro abortion, pro homosexual marriage and wanting to curtailfreedom of speech to silence the opposition people said it didn't matter.When he aired his views on abortion, homosexuality and a host of otherissues, All of the items in the preceding paragraphshave been put into place.When he said he favors sex education in Kindergarten, a multi-billionaire Marxist, people said it didn't matter.When his background was either scrubbed or hidden and nothing could befound about him, peoplesaid it didn't matter. people said it didn'tmatter. and he refused toproduce a birth certificate, people said it didn't matter. we all need to pull together. people said it didn't matter. people said it didn't matter. and she is a wellknown socialist working on Cap and trade as the nations largest tax, were strong socialist, and even avowed Marxist/Communists, he bowed to the King of SaudiArabia, people said it didn't matter.When he sat in a Chicago Church for twenty years and listened to apreacher spew hatred for America and preach black liberation theology,revolutionaries,When the place of his birth was called into question, people said it didn'tmatter.When his actions concerning the middle-east seemed to support thePalestinians over Israel, Senate cameinto question,When it became known that he had trained ACORN workers in Chicago andserved as an attorney for ACORN, people said it didn't matter.When he appointed cabinet members and several advisors who were tax cheatsand socialists, people said it didn't matter.When he appointed a science czar, John Holdren, Libertarians andwhat have you, mass sterilizations and seizing babies from teen mothers,Hard to imagine,When he appointed Cass Sunstein as regulatory czar who believes in"Explicit Consent", peoplesaid it didn't matter. andto allow animals to be represented in court, while banning all hunting, people said it didn't matter.When he appointed Kevin Jennings, a homosexual, If you are areligious person, lesbian,. banks, as safe school czar andit became known that he had a history of bad advice to teenagers, Iran; no, who since had to resign when this was made known, taking from one and giving to another to spreadthe wealth and admires Hugo Chavez,When he traveled around the world criticizing America and never oncetalking of her greatness,When Valerie Jarrett was selected as Obama's senior White House advisorand she is an avowed Socialist, people said it didn't matter. people said it didn't matter. White House Communications director said Mao Tse Tung washer favorite philosopher and the person she turned to most forinspiration,people said it didn't matter.When he appointed Carol Browner as global warming czar, asother candidates had done,When he appointed Van Jones, an ex-con and avowed Communist as greenenergy czar, people said it didn't matter. people saidit didn't matter.When Tom Daschle, Personally, because he was a tax cheat, Constitutionalist,When he played politics in Afghanistan by not sending troops the FieldCommanders said we had to have to win, that tracks senate votingrecords, people said it didn't matter.When he refused to wear a flag, in his book, people said it didn't matter. our long time friend, people said it doesn'tmatter.When he took American tax dollars to resettle thousands of Palestiniansfrom Gaza to the United States, people said it doesn't matter.When he upset the Europeans by removing plans for a missile defense systemagainst the Russians, spenta ton of money to get him elected, people said it didn't matter. people said it didn't matter.When he started spending us into a debt that was so big we could not payit off,When it became known that George Soros,When he took a huge spending bill under the guise of stimulus and used itto pay off organizations, unions and individuals that got him elected,people said it didn't matter.When he took over insurance companies, car companies,Never before in the history of America have we been confronted withproblems so huge that the very existence of our country is in jeopardy. etc.people said it didn't matter.Our biggest enemy is not China, people said it didn't matter. pray for our nation. people said it doesn't matter.When he set into motion a plan to take over the control of all energy inthe United States through Cap and Trade, people said it didn't matter.When he finally completed his transformation of America into a SocialistState, people finally woke up..When he stood before the nation and told us that his intentions were to"fundamentally transform this nation" into something else, Search the internet..people said it didn't matter. people said it didn't matter.. people said it didn't matter. but it was too late.Any one of these things, in and of themselves does not really matter.When he appointed Mark Lloyd as diversity czar and he believed incurtailing free speech,... when you add them up one by one you get a phenomenal score thatpoints to the fact that our Obama is determined to make America over intoa Marxist/Socialist society�� Education network,But. people said it didn't matter. Before youdisavow this, do an internet search. The last paragraph alone is not yetcast in stone. You and I will write that paragraph. Will it read asabove or will it be a more happy ending for most of America ?When people found out that he was enrolled as a Muslim child in school andhis father and step father were both Muslims,I like happy endings.If you are an Obama Supporter, people said it doesn't matter. but there are too manyfacts supporting this. If you seek the truth you will be richer for it.Don't just belittle the opposition. Search for the truth. I did.When as president of the United States, Republicans,When Anita Dunn,When he took away student loans from the banks and put it through thegovernment, people said it didn't matter. who believes in forcedabortions,We all must pull together orwatch the demise of a society that we all love and cherish.Democrats, a man ofquestionable character,Don't rely on most television news and what you read in the newspapers forthe truth. All can be documented very easily. Yes, there is a lot of bad information,lies and distortions there too but you are smart enough to spot thefallacies. and organizer of a groupcalled gay, They are currently seeking abailout from the government. Do you really think they are about to printthe truth? Obama praises all the television news networks except Fox whohe has waged war against. There must be a reason. He does not call themdown on any specifics, just a general battle against them. If they lie,. Please, find the truth, itwill set you free.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Laundry: (n) clothes or linens that have been or are to be laundered, endlessly, forever and ever.

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It is a sad thing for me to admit that an awful lot of my Facebook statuses make reference to laundry. Of course, an awful lot of them are about Coffee Heath Bar Crunch ice cream, which may or may not have something to do with my expanding waistline, but for now I��m consumed by laundry.cheap college health insurance student This Thanksgiving break has been simply wonderful; our time with family and friends was relaxing and fun, the food was fantastic, and being home for four straight days has been supreme. But during those four days, the amount of laundry I��ve done has been insane. I��ve run through about a third of a 96-load container of All,cheap college health insurance student and yet there doesn��t appear to be a single empty hamper in my house. I��m staying up late writing this tonight because secretly, I��m afraid the laundry I haven��t washed will eat me if I go to sleep.

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Part of the culprit is my sweet little daughter. She changes clothes about three or four hundred times a day, according to her mood and/or what she is playing at the moment. ��Look, I��m a princess!�� or ��Hey,cheap college health insurance student let��s play school. I��m dressed up to be a teacher�� or ��I would like to go outside, but there is NO way I can wear this!�� or ��I��m dressed just like Mommy going to work�� (this last one was recently said while she was sporting pink galoshes, some Capri-length very tight leggings that are supposed to be worn under a skirt, and an obviously too-small tank top with rhinestones all over it that didn��t remotely cover her belly��why? Why is this like Mommy going to work?). She loves clothes,cheap college health insurance student and being our only girl, we pretty much let her get away with changing clothes whenever it strikes her fancy. Add to this all of the clothes worn to school, church, football and soccer practice, the clothes worn on the preload shift at UPS (which is a sweaty,cheap college health insurance student stinky shift, if you ask me), and the clothes worn by a three-year-old who would rather wear his food than eat it��and it makes for lots and lots and lots of laundry.

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I feel a little bit distressed, and a whole lot boring, that I have so much to say about laundry. Everyone has to wash their clothes; it is not exciting, it is not life altering,cheap college health insurance student it is not going to make me rich and famous and loved by all. My oldest two boys complain when they don��t have any clothes clean, but they also complain when I make them put away all of their clean clothes. They would much rather stuff the whole clean pile in the hamper, cover it with a dirty shirt and some socks, and then complain to me that they don��t have anything to wear.cheap college health insurance student This is part of the vicious cycle of laundry. I cannot win; I will never be done because unless I do my last load of laundry completely naked while everyone else in the house is also in the buff, there will always be that last load to wash. And while this might be satisfying once, you can guarantee that would be the day the Publisher's Clearing House would (finally) show up on my doorstep, hoping to surprise me,cheap college health insurance student not knowing that the real surprise lay behind my front door, with a house full of naked people hoping to finally, once and for all, get ALL of the laundry done.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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President Obama's crony politics rewards losers and penalizes winners. He is engaging in sheer, raw, left-wing class-warfare politics. It's yet one more reason why the Democrats are going to get clobbered at the polls come November.

Voters know a smoked turkey when they see one. Remember, you can fool some of the people some of the time, but you can't fool all the people all the time.Obama Rewards Losers, Punishes Winners.

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The Free Application for Federal Student Aid (FAFSA) is one of the most important financial aid a student will need to fill. The FAFSA determines how much assistance will receive a student of the covenant into account (in the form of grants or loans) based on U.S. Department of Education guidelines. Filling out the form is like filling out a bank loan application because you need information about the family property income.
It is easier to file the financial aid Apply if parents complete their taxes, the FAFSA may be filed with the best estimate of income, your previous year's level. The state in which a student resides and the election of school and academic standing are components that are based on the total amount of aid a student in the form of scholarships, grants and loans will help. It is important for students to understand that the chances of the federal aid directly to the submission of the FAFSA on time and related> Financial strength of their family.
The FAFSA measures your family's expected contribution to the cost of your training and as such is a little planning before the preparation of the FAFSA will help you save thousands of dollars to the cost of college or technical training. In the following strategies are FAFSA filers should investigate reported to reduce cash assets and lower incomes:

Prepay state taxes by 31 December. Payment of a sum due by 31 December will reduce your cashAssets and is entitled to an additional deduction on your tax return.
Enlarge retirement savings contributions.
Join in donations.
Contribute to a Health Savings Account and Dependent (flex spending). Flex contributions by your gross income, which reduces the amount of income you subtracted on the IRS.
Purchases before the end of the year as a qualified energy efficiency improvements to your principal residence up to 31 December. This reduces the amountof cash you have on hand and under the Energy Policy Act, you can get a tidy tax credit.
Pay off loans. Make an additional payment based on the amount of home loans. You will pay less interest and build a nest egg in the form of home equity.
Pay off bills. Meeting the cost of services reduced cash in advance and can entitle you to a discount, such as receiving discounts from a car insurance provider by paying for the year in full.
Selling bad investments to 31 December to compensateCapital gains.
Since the financing is on a first come, first serve basis,you should have your FAFSA the second you are eligible, on 1 January file. Thus, your chances of federal assistance will increase and you can actually receive more financial support because the money pool is not diminished. Do not try the FAFSA before 1 January file because the application will not be processed.

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Overview

The Young Leaders' Program (YLP) aims to contribute to the fostering of future national leaders in Asian countries by providing graduate level educational opportunities in Japan. Moreover, the YLP seeks to deepen participants' awareness and understanding of Japan and to help form a regional network among national leaders that contributes to the establishment of friendly relationships and improved policy planning activities among Asian and countries. The YLP is one of the Japanese Government��s (Monbukagakusho: MEXT*) Scholarship Student schemes.cheap college health insurance student

*MEXT= The Ministry of Education, Culture, Sports, Science and Technology
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Eligible Countries and Participants

Participants are selected from the fourteen countries listed below. They should be legal professionals, who are expected to play an active role as future national leaders in their respective countries.cheap college health insurance student

Target Countries: P. R. China, Rep.cheap college health insurance student of Korea, Indonesia, Malaysia, Philippines, Thailand, Vietnam,cheap college health insurance student Laos, Myanmar, Cambodia, & Mongolia, Singapore, India,cheap college health insurance student South Africa.

Host University
Kyushu University, Graduate School of Law.cheap college health insurance student

The Number of Students
20 students maximum per year.

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Selection

(1) Method of Recruitment
Recruitment will be conducted through specially designated recommending institutions. Please enquire at the Japanese Embassy for further information on the recommending institutions.cheap college health insurance student

(2) Screening Procedure
a. First screening by the recommending institution
b.cheap college health insurance student Second screening by the host university (in this case, Kyushu University)
c. Final screening by the YLP Committee established by MEXT

Curriculum
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(1) Basic Concept of YLP programs
Each YLP course has been specially designed to contribute to the development of national leaders in various fields by seeking to take advantage of Japan's experiences of exchange with both Western and Asian countries and to establish a ��human network�� through education related activities.
(2) Course Duration and Qualification
Course duration is for one year,cheap college health insurance student resulting in the conferring of a Master��s degree in Law from Kyushu University.
(3) Language

All classes will be conducted entirely in English.
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Commencement of the Program
October 2010

Information for Applicants

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MEXT will offer scholarships to foreign students who wish to study in Japanese universities as YLP students in law for the academic year 2010 under the Japanese Government (MEXT) Scholarship Program. The conditions are as follows:

1. Field of Study
Law (Kyushu University,cheap college health insurance student Graduate School of Law)

2. Qualifications

(1) Nationality
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Applicants must be nationals of a country that is participating in the YLP (see above).
(2) Age
Applicants must, in principle, be under 40 years old as of 1st October 2010.cheap college health insurance student
(3) Academic Background
Applicants must be college graduates who have attained a high level of academic achievement in their undergraduate study.
(4) English Ability
A minimum TOEFL (Paper-based) score of 550,cheap college health insurance student TOEFL-CBT score of 213, or TOEFL-iBT score of 79-80, or equivalent.
(5) Work Experience
At least 4 years of work experience in the applicant's home country in a law office or in the legal section of a company or government department.cheap college health insurance student This work experience must be full-time and after graduation from university.
(6) Health
Applicants must have no infectious diseases and must be in generally good health.

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(7) Others

a. Military personnel and military civilian employees are excluded.
b.cheap college health insurance student Scholarships may be cancelled if the grantee fails to arrive in Japan on or by the appointed date.
c. Applicants already enrolled in a Japanese university are not eligible to apply for the YLP.

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3. Term of Scholarship

One year from October 2010 to September 2011.

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4. Scholarship Benefits

(1) Allowance
258,000 yen (2009-2010) per month will be awarded to each grantee during the term of the scholarship,cheap college health insurance student with the
understanding that the scholarship will be suspended in cases where a grantee is absent from the university for an extended
period. The amount of the monthly stipend is subject to annual review and may change.

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(2) Transportation

a. Transportation to Japan
The grantee will be provided, according to a schedule as designated by MEXT,cheap college health insurance student with an economy- class air ticket from
the international airport nearest to the student's home address to Fukuoka International Airport.

b. Transportation from Japan
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The grantee who is going back to the student's home country within the fixed period after the expiration of the scholarship will be supplied, upon application, with an economy class air ticket from Fukuoka International Airport to the international airport nearest to the student's home address. Such expenses as inland transportation from his/her home address to the international airport, airport tax and special taxes on the travel will NOT be provided (The address in the country of the grantee's nationality stated in the application is in principle considered as the ��home address��).
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* Any aviation and accident insurance to and from Japan should be contracted by the applicant at his or her own expense.

c. Transportation for Research
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Expenses will be supplied within a budget determined after students arrive Japan.
(3) School Fees
Participants will be exempted from fees for the entrance examination, matriculation and tuition.
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(4) Accommodation
Students can apply for a room at Kyushu University International House. (Please note: The number of rooms is limited and successful candidates are not guaranteed a room).

5.cheap college health insurance student Selection

(1) Based on the recommendation of specified institutions, the participating university will select initial candidates from among applicants by means of an interview, a review of the submitted documents and a short essay. If it is not possible to hold an interview in the applicant's home country,cheap college health insurance student an interview may be conducted by telephone or the Internet.
(2) Those who have been selected initially by the participating universities will be put forward to the YLP committee established by MEXT for the final selection.
6. Language of instruction
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All lectures and practical training at universities will be conducted entirely in English.
7. Application Procedure
Applicants must submit the following documents to their recommending authorities by the designated deadline. (Please note: submitted documents will not be returned.cheap college health insurance student )
(1) Application for Admission (prescribed form) ��- 1 Original and 4 Photocopies (except photographs);
(2) Photographs (6 x 4 cm, taken within the past 6 months, should be affixed on each of the 5 application forms) ��- 5 Originals;
(3) Official Transcript or Certified Academic Record of the university the applicant attended ��- 1 Original and 4 Photocopies;
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(4) Recommendation Letter from the Recommending authority ��- 1 Original and 4 Photocopies;
(5) Two recommendation Letters from the Employer or from the supervising Professor of the university the applicant last attended (prescribed form) ��- 1 Original and 4Photocopies;
(6) Certificate of Health (to be issued by the medical institution designated by the Japanese Embassy of the country in which the applicant resides) ��- 1 Original and 4 Photocopies;
(7) A Copy of the Official Diploma or Certificates of Graduation from the University the applicant last attended ��- 5 Photocopies;
(8) An Essay explaining applicant's future plans after the completion of the YLP ��- 1 Original and 4 Photocopies;
(9) A Copy of the Applicant's Family Register,cheap college health insurance student Photocopy of Passport or Certificate of the Citizenship ��- 5 Photocopies;
(10) English Proficiency Certificate (TOEFL or other equivalent test score.) ��- 5 Photocopies;
(11) Answers to each of the designated essay questions ��- 1 Original and 4 Photocopies;

Additional requirements
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a. The size of all documents must be uniform (297 x 210 mm JIS A4 size), and all forms must be typewritten;
b. Documents must be written in English.cheap college health insurance student If necessary, attach an English translation to recommendation letters;
c. Applications will not be accepted if they are not completed fully and correctly or they lack any of the above-specified documents;
d. Two different referees must write recommendation letters.cheap college health insurance student At least one reference must be from the applicant's direct superior at work;
e. For the essay on the applicant's future plans, expectations of this program must be explained within 3 pages or so, as well as future career goals.
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8. Notes
(1) For more detailed information on this scholarship program, please contact the appropriate office at the Japanese Embassy.
(2) A grantee will be deprived of the scholarship in any of the following cases:
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a. A false statement has been made on the application documents.
b. A violation of any article of the pledge to the Japanese Minister of Education, Culture,cheap college health insurance student Sport, Science and Technology has occurred.
c. A grantee has been subjected to disciplinary action by the university or has failed to reach the required academic standard.
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d. At the request from the government and/or other state institution of the applicant's home country.
(3) Before coming to Japan, it is advisable to learn enough Japanese language for daily life and to have some information on Japanese climate, customs and manners,cheap college health insurance student university education, etc.
(4) It is highly recommended for grantees to bring approximately US,500 or the equivalent to cover immediate needs upon arrival in Japan.
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Further information
For further information on the YLP program:
http://www.law.kyushu-u.cheap college health insurance student ac.jp/programsinenglish/
For further information on Kyushu University:
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Fellow Villagers:

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Remember when we used to belly-laugh at David Letterman's Top Ten List before we got too old to stay up that late and before his recent scoundrel escapade with sorted staff members? And how 'bout that Tiger Woods! Nine wasn't enough, so he played somewhere close to eighteen holes! (Decorum prevents me from the obvious punchline). Sponsors droppin' like flies; perhaps he can pick a new sponsor: Tiagra! Perhaps Mr. Woods could find opportunity in China, it, after all,cheap college health insurance student is ,the Year of the Tiger over there. Although, I think it would be wise for him to avoid restaurants, Chinese or otherwise. Maybe we should send the soon-to-be former Mrs.cheap college health insurance student Woods to DC and make her the Czar of Pig Patrol. She could speak softly and carry a driver to help eradicate pigs!

And ladies, who among us can ever erase the indelible tattoo of Bo Derek jogging near naked, in slow motion,cheap college health insurance student on the beach in the movie "TEN" that sticks in our husbands' minds. What was up with those hair beads and feathers and Vivaldi's Four Seasons? Hollywood created the feeling of instant inadequacy in us regular girls with that flick!

Then there was that once famous country music star, David Allen Coe, a renegade and round-about known for very rowdy concerts,cheap college health insurance student who sung to sold out crowds and lamented he once was so mad he "could eat a Ten penny nail and spit out a barbed wire fence". I remember nearly being arrested at one of his concerts in North Carolina because I needed to visit the bathroom and dared to try to walk up the aisle during the performance. My friend and I were escorted back to our seats and told to stay there until the concert ended. The badges on the sheriffs glistened in the bank of the stage lights, so we crossed our legs, tightly,cheap college health insurance student and toughed it out. Our back teeth were about to float, but we made it without incident and eventually got back home to our scholastic residence in Virginia.

The TEN Commandments! Poor ol' Charlton Heston,cheap college health insurance student wherever his soul resides, must be grateful that Alzheimer's claimed his memory and his life so even if he did witness all this hullabaloo over displaying the TEN Commandments, he wouldn't remember it. 'Course, if you grew up like me, you know we had the TEN Commandments memorized by First grade and occasionally abandoned one or two of them in the TENTH grade.cheap college health insurance student (Yes, I went to prep school and even college(s). Just didn't get that TEN Commandments thing nailed back down until a few bumps and spills later.) At the Mount Calvary Baptist Church, where my dear departed nanny attended every Sunday with a big, loud hat,cheap college health insurance student they used to say,"Now, Child, Remember, 'Moses Knowses' and he's good friends with God!". Used to scare the daylights out of us young,cheap college health insurance student white kids. Oh, in case you forgot, the TENTH Commandment forbidds coveting your neighbor's house, wife, male servant,cheap college health insurance student female servant, ox, donkey, new carpeting, lawn mower, BBQ pit,cheap college health insurance student potholders, secret family recipes, health insurance and so forth. In short, don't leer wantingly at anything you don't have. Could be important as many are already doing with less than others.cheap college health insurance student

Be glad your babies came out with all TEN toes and TEN fingers. And nevermind that awful chainsaw accident,at least they started out in tact.
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The TENTH state to join the Union was Vermont. The TENTH President of The United States was William Henry Harrison. The TEN dollar bill features Alexander Hamilton. Next time you need to break a twenty,cheap college health insurance student ask for two Lincolns and a Hamilton and watch the confused expression on your young, pubescent server's face.

And now today, in 2010 what's even scarier is the battle over our Constitutional rights.cheap college health insurance student Of particular note, the TENTH Amendment, which declares that:

��The powers not delegated to the United States by the Constitution, nor prohibited by it to the States,cheap college health insurance student are reserved to the States respectively, or to the people��.

With over 30 States affirming their rights under the 10th Amendment, the original intent of which was to limit the size and power of the Federal government (AKA Feral Guvmint),cheap college health insurance student a showdown is brewing between the Fed and the States and the People. While a few ��Rino�� scallywags debate whether it is constitutional for one State, Nebraska via Senator Nelson, to receive a disproportionate ��share�� of the Feral Guvmint��s ��largesse��, AKA taxpayer debt, a much broader question looms large!
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Does the Feral Guvmint have the authority to force sovereign citizens to buy anything but of immediate great importance, health insurance?

From the August Senator��s website biography it states:

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��As a young man at the University of Nebraska �C Lincoln, Ben Nelson spent his Sundays serving as a lay minister to rural Nebraska congregations. Foreshadowing his future in public service, Nelson chose law school over the ministry. He earned a bachelor��s degree in 1963, a master��s degree in 1965 and a law degree from the University of Nebraska in 1970.cheap college health insurance student

Following his time as a student, Nelson enjoyed a successful career in insurance law. He served as CEO of the Central National Insurance Group, as chief of staff and executive vice president of the National Association of Insurance Commissioners,cheap college health insurance student and as director of the Nebraska Department of Insurance.��

Now that��s where the rubber meets the road, another attorney turned ��Law-Maker�� representing the insurance cartel plucking the low hanging fruit of political cronyism. Maybe just another case of political ��Pigs get fat,cheap college health insurance student hogs get slaughtered��.

Any wonder why we are seeing more bumper stickers advocating Secession messages in plain view of the apparent rapid elimination of our rights? Think about it.

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Honestly, I am happy to wave goodbye to 2009. It was not a good year on many levels, both personally and nationally. But I have high hopes for 2010. It may get worse before it gets better but at least we know what we're made of and can pull through.cheap college health insurance student 2009 was about bad luck and mistaken ideals. Think about ol' Moses and everything he endured! He treked up the mountain for that stone tablet and then dropped it. Who knows, maybe there were thirteen Commandments and they were edited out! He survived that bizarre Burning 'Bush' thing, (so did we), His staff turned into a snake,cheap college health insurance student (Hello Congress!) and he had to deal with that terrible Red Sea. Is it safe to say we can hear the waves of our own Red Sea in the not-too-distant future? Tune up your Jet-Ski friends, its gonna be a bumpy ride!

Perhaps Obama was unintentionally right. We do need CHANGE,cheap college health insurance student and not the Lincoln or Hamilton kind, sadly that is becoming almost worthless as well. It is my personal view that his call for "change we can believe in" may come back to bite him, in the end, so to speak, because many folks indeed want things to change,cheap college health insurance student but believe it will have to start with a deep house cleaning project/movement in Washington, DC. and a stiff drink with the backbone of our Constitutional rights.

So,cheap college health insurance student here's to you all. Have a Happy New Year! Be safe and sound. Love your family and remember your neighbors, you never know when we might need each other. And if you find yourself frustrated, red-faced and angry and out of patience with the whole thing,cheap college health insurance student do as my Treasured Mother says," Sit down and count to TEN". Keep your ears to the ground. The 10th Amendment is rumored to be the Big Issue in 2010 and the rumbling has already begun, particularly if that lawsuit goes foward in South Carolina.
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Ugh! my Treasured Mother is right! I gotta sit down and count to 10! I inTENdto stay positive.

SUPPORT YOUR LOCAL FIRE DEPARTMENT.
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COPYRIGHT PENDING.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

media politics college and more mpcm four proposals for cheapcollegehealthinsurancestudent com

Note: This is a copy of the e-mail sent to the campus, edited for formatting.

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Greetings Campus,

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College Council invites you to attend the third Neighborhood Review Forum, which will be held tomorrow night, Tuesday, January 12, at 7:30 pm in Baxter Hall. The Neighborhood Review Committee and the Committee on Undergraduate Life will present four proposals for future residential systems at Williams College.cheap college health insurance student We welcome all questions and feedback. Please read below for more information on the proposals. The full second interim report of the Neighborhood Review Committee can be found at www.williams.edu/dean/.
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See you tomorrow!
Lizzy Brickley and Mike Tcheyan
CC Co-Presidents

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*******************************************************************************************************
Four Proposals for Residential Systems

To Be Discussed at the Third Public Forum, January 12,cheap college health insurance student 2010

Sponsored by the Neighborhood Review Committee, The Committee on

Undergraduate Life,cheap college health insurance student and College Council

Below are four proposals for residential systems that we outline for the purpose of discussion at the public forum on January 12,cheap college health insurance student 2010. The recommendations that the NRC will make to the College about upper-class residential life may take pieces from several of these or may be entirely new; we simply present these proposals as a way to get the conversation started.

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This particular list originally emerged out of meetings of the Committee on Undergraduate Life in December; the Neighborhood Review Committee (NRC), in turn, provided feedback to the CUL on the list of proposals and made suggestions for changes in wording and format. Please note that the Neighborhood Review Committee has not had any formal discussion yet of the actual merits of any of these proposals.
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Proposal I:

Preserve the Neighborhood system and current housing placement system but with some possible modifications,cheap college health insurance student which appear below. Here are the advantages and disadvantages to preserving the basic structure.

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Advantages:

The current system does a good job of diversifying residential life.
The programming that comes out of the Neighborhoods has provided a variety of events that previously did not exist.
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Disadvantages:

Students will not be able to pick the housing they want.cheap college health insurance student They will be restricted to the Neighborhood they are in.
Students cannot live with friends in other Neighborhoods unless they change Neighborhoods and get a lower room-draw number.

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A list of some possible modifications appears below; there are certainly others that could be imagined:

Modification A. Allow groups of up to six students to switch Neighborhoods (they could come from a variety of Neighborhoods) without penalty in the housing lottery.cheap college health insurance student But when they leave a Neighborhood, they do not get to choose which Neighborhood they go to, but rather are assigned to a random Neighborhood.

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Advantages:

Students complain that in the current system, they cannot live with their friends, or to do so penalizes them in the lottery,cheap college health insurance student since they need to switch Neighborhoods. But with this modification, they could live with friends and there is no penalty in the housing lottery. But they do give up the choice of the Neighborhood within which they would live.
Disadvantages:
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Students would not be able to pick the housing they want. They would be restricted to the Neighborhood they are in or the new Neighborhood to which they are assigned.

Students who want to live with friends could end up in what they consider to be an undesirable Neighborhood.cheap college health insurance student

Modification B. Seniors remain affiliated with a Neighborhood but get first choice of housing anywhere on campus (except Mission and Frosh Quad). For first years,cheap college health insurance student sophomores and juniors, the system remains as it is now.

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Advantages:

1. Students have complained about their limited housing options when they must choose from within a Neighborhood.cheap college health insurance student This system allows seniors complete free agency. They can choose to live where they want and with whom they want.

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Disadvantages:

Except for seniors, students will not be able to pick the housing they want. They are restricted to the Neighborhood they are in. They could not live with friends outside of their Neighborhood unless they use the option of picking into another Neighborhood with friends with the lottery penalty.cheap college health insurance student
Pick groups for seniors would have to consist only of seniors.
Each year, we wouldn��t know where the seniors would pick. They may pick more into one Neighborhood than another,cheap college health insurance student meaning that there isn��t sufficient housing remaining for the sophomore and junior members of those Neighborhoods. A possible modification would be to set aside senior housing and seniors could only pick from those rooms. However, this would be the nicest housing available.

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Modification C. First year students are not affiliated with a Neighborhood their first year. Rather, in the spring, they form groups of students and request certain Neighborhoods.cheap college health insurance student A lottery determines which student groups end up in which Neighborhoods.

Advantages:

1.cheap college health insurance student Rather than assigning entries to Neighborhoods, students enter a Neighborhood with their other first-year friends selected from across the entries, thereby allowing them to live near these ��early�� friends for their time at Williams.

Disadvantages:
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Bonding with Neighborhoods cannot begin to occur until the end of the first year.
Many first year students may request the same Neighborhood, which is perceived to have high-quality sophomore housing, so many may be disappointed.cheap college health insurance student An alternative option would be to have first-year students form a group and then have the groups randomly assigned to Neighborhoods.

A fourth modification is less about the system used for determining housing, and more about the physical breakdown of housing into Neighborhoods:
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Modification D. Rethink the geography of the Neighborhoods.cheap college health insurance student One option would be to redesignate each neighborhood to contain some of each of the types of housing on campus, without trying to keep the housing of a given neighborhood in close proximity. Another option would be to change the number and size of the neighborhoods.

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Advantages and disadvantages would depend on the type of design employed.

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Proposal II.

After the first year, students go into a general housing lottery that is seniority based, as occurred before the Neighborhood System.cheap college health insurance student There would be gender caps on houses. Perhaps some additional safeguards would exist to prevent the emergence of homogeneous enclaves of students. The Neighborhood system would still exist in order to provide social programming.

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Advantages:

One of the most common complaints from students about the current system is their lack of choice in housing. Since they are restricted to live in a Neighborhood, they can only choose housing in that Neighborhood.cheap college health insurance student But for various reasons, certain students may find one Neighborhood more desirable than another. For instance, theater students may want to live in Greylock because of its proximity to the theater.
Students also complain that the Neighborhood system does not allow them to live with friends who happen to be in other Neighborhoods.cheap college health insurance student Now, everyone could live with whomever they wanted.
Seniors get their pick of the most desirable housing on campus, with no restrictions.
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Disadvantages:

One of the goals of the Neighborhood system is to foster a diverse living environment. This system allows for various groups to create homogeneous enclaves on campus,cheap college health insurance student which is in direct conflict with the stated goal of creating a diverse living environment.
If a house is predominantly filled with a particular group of students, it can make the living situation uncomfortable for other students who may be assigned to that house.

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Proposal III.

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In this system, first-year housing remains as is. Then sophomores all live together in one area on campus. A housing lottery for where sophomores live within that area determines their individual rooms. Juniors and seniors have seniority-based free agency with the remaining housing.
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Advantages:

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The class years bond better. They spend two years with their classes. The hope would be that by getting to know their class better, the bonds begun in first year that cut across specific interests, sports, and groups,cheap college health insurance student would be cemented and last into junior and senior year. Also, the sophomores are not scattered to the winds, and have more of a support group living with them in their second year.
This system has a certain amount of built in diversity,cheap college health insurance student similar to what occurs in the Neighborhoods. That is to say, the first year housing is diverse because it is engineered to be so. The sophomore year housing will be diverse because the sophomore class lives together, and a group of 530 is diverse by its selection in the admissions process. (This is slightly bigger than the size of a current Neighborhood and therefore attains approximately the same level of diversity as occurs there.cheap college health insurance student )
The juniors and seniors would have free agency, allowing them to pick from all of the remaining housing. One could also allow them to first pick doubles if they so desired, giving more sophomores singles. This recognizes the fact that students mature over their time at Williams,cheap college health insurance student and the hope would be that by the junior and senior year, students would choose to live in diverse houses. The opportunity to be able to live with friends and to live in prime housing is important to seniors.

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Disadvantages:

One of the categories of diversity that is not achieved is class diversity. Sophomores miss out on the chance to get to know juniors and seniors and lose the opportunity to get advice from them. However, of all the categories of diversity that have been brought up as desirable,cheap college health insurance student the category of mixing classes has been perceived to be the least such.
Where do you put the sophomore class? As current operations stand, the College could house about 60% of the sophomores in close proximity to each other, and institutionally, we would need to set as a priority figuring out how we could have more of the sophomore class housed together.cheap college health insurance student In the short term, we could consider converting the Berkshire Quad into sophomore housing, which would accommodate 333. What about the rest? One option is to have them take the remaining doubles on campus, which would be just about right to accommodate the remaining 200. This does not increase the number of doubles for the sophomore class over the first year class,cheap college health insurance student but it has the disadvantage of spreading these 200 sophomores out and mixing them in with the juniors and seniors. But most doubles occur in groups, so they would still have a sophomore cohort with which to hang out, and in the past, when Mission was essentially all sophomores, the sophomores who did not live in Mission would often congregate there,cheap college health insurance student and go to parties there, so the same would probably occur with the Berkshire Quad.
Homogeneous enclaves could emerge for juniors and seniors. However, the number of students congregating would be substantially less than in the upperclass free agency system,cheap college health insurance student since the sophomores could not live there. Also, since the on-campus juniors who are not JAs is a smaller group, the total number of students in the free agency system would be less than 900.

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Proposal IV.

The first-year entries continue to exist,cheap college health insurance student but not at Mission and the Frosh Quad. Instead, they are placed as a subset of the larger houses and Neighborhoods. An entry may be a collection of contiguous rooms on a floor in a residence hall for instance. So first-year students bond with the Neighborhoods right from the start, as they are part of Neighborhoods.cheap college health insurance student They also have the opportunity to bond with the upper class students who live in their vicinity.

Advantages:
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It has been argued that the reason the Neighborhood system hasn��t worked well at Williams is because of the entry system. The first-year students bond with their entry and not with a Neighborhood. At the schools where residential colleges work well, there is a tremendous bond formed with the individual residence college right from the first year. You are as much a member of that college as you are of the university.cheap college health insurance student In this system, we provide that opportunity for students to form that bond right at the start.
The diversity inherent in the Neighborhood system is preserved.

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Disadvantages:

1. It is not at all clear that one could form enough effective entry enclaves within the Neighborhoods.cheap college health insurance student

2. It makes it harder for first-year students to get to know other first-year students who are not in their entry.

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3. All of the complaints about the restriction of housing choices in the Neighborhood system apply here.

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Additional Modifications/Options,
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Independent of Particular Systems

1.cheap college health insurance student Substance Free/ Quiet Housing

In all of the suggested housing systems, it may make sense to have substance-free housing and/or quiet housing.cheap college health insurance student The placement of such housing would depend on the demand. One could imagine it in West, with easy access to the center of campus, and away from other noisier housing. Another possibility would be to make Tyler/Tyler Annex into quiet housing. It has the advantage that it is set away by itself,cheap college health insurance student and so would be particularly quiet. Moreover, this would prevent a return to the culture previously associated with these houses. But it might be perceived as a punishment for students seeking this housing to be banished to Tyler.

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Note that it is more difficult to provide substance free and quiet housing in a system that preserves Neighborhoods, since that may require four substance free and/or quiet houses, one for each Neighborhood. But even in the Neighborhood system, one could have an application process preceding housing draw for students across Neighborhoods to apply for substance free/ quiet housing. That housing could be attached to a particular Neighborhood,cheap college health insurance student or be its own Neighborhood, depending on demand.

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2.Theme Housing

Williams could institute theme housing for a subset of residences,cheap college health insurance student or halls within residences. At other schools, a variety of theme houses exist, including those based on language, religion, environmental action,cheap college health insurance student politics, music, food or other interests. Some schools have standing theme houses that continue year to year. Others have an application process for creating theme houses for one year at a time. Again,cheap college health insurance student with a Neighborhood system in place, the mechanics of theme housing becomes more difficult.

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3.Co-op Housing

Some schools offer co-op housing wherein students live,cheap college health insurance student cook and clean together in a truly cooperative living environment. The College could consider converting a subset of ��co-op�� housing into actual co-ops, in this sense.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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For students enrolled in universities and most colleges,cheap college health insurance student there is a growing tendency to ask them to have health insurance. Health officials generally agree on the conditions in the dormitories to makeStudents want to live there, are creating an environment for the same reasons that the diseases and viruses can spread uncontrollably. Prescription costs, equipment costs, medical expenses or even a simple flu outbreaks can go into hundreds of dollars.cheap college health insurance student
Often, some students may run into thousands for medical expenses just something that are very difficult to run pay. For most of the costs for college or university, usually take through their surgeries.
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ManyParents and their children, students may assume that the child is insured under their health insurance. Some insurance companies in terms of university students are already parents if health insurance. However, some are just local doctors. Students should go to another country,cheap college health insurance student you can establish that they are not health insurance companies.
Healthcare costs for a childinsurance under one of the parents' health is relatively low. For the attendance of doctors can charge about 25 U.S. dollars and about $ 50 for emergencies.cheap college health insurance student If the same test without a plan for emergency care, the bill could be as high as $ $ 500, before the addition of X-rays, additional treatment and stitches. Even something as simple as a distortion can lead to a bill of several hundred dollars.
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The answer: a health plan for students, or temporary plan,particularly for students, Which is far from home. Some universities and colleges offer students their own health plan or arranged through a local provider. The prices to be generally very reasonable,cheap college health insurance student because most of the group plans to cover all students at the institute of learning.
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Saving a few dollars, is an unjustifiable measure attitudes towards the provision of health insurance. Getting a low cost coverage through the university, you may get some relief, you should become ill or are involved in a serious accident.
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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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First I would like to venture an opinion that Greed is one of the major causes of the problems we face in our country. It developed during the incredible period of our expansion and prosperity that followed WWII, and conditioned us to think that it would have continued unabated far into the future. Guess what? We were wrong, and so were all those forecasters who fed us the predictions. Madison Avenue force fed us consumerism out the wazoo,cheap college health insurance student products were designed with built in obsolescence, cars, instead of being the "family" vehicle were touted as being necessary for every member of the family, which caused the size of houses to be increased by the addition of two car or larger garages, thus requiring larger building lots and larger floor plans, including more space �C so we had to have bigger houses.cheap college health insurance student The migration out of the urban area to the suburbs fueled the housing market, while city dwellers clamored for better options in apartments, all facets of the consumerism promoted so vigorously by Madison Avenue. The suburban migration contributed to the idea that families needed multiple cars in a big way �C after all, we needed to get around when Dad wasn't home, didn't we? Consumerism was flourishing.cheap college health insurance student
At the same time, we were reconstructing the Japanese and German economies, and having a product that said "Made in Japan" was often times a joke, while our own economy was doing quite well, thank you.cheap college health insurance student There was a time when Japanese products were judged to be inferior,so the Japanese set out to improve them. They started with TV's and worked their way into our homes through the "back door" applications �C small black and white sets for the kitchen counter, and other areas that did not compete with the larger family or living room sets. Then they began to develop excellent color sets, still staying on the small side initially,cheap college health insurance student finally they moved up to the living room size sets with incredible color and picture quality, and it signaled the beginning of the end of the American TV manufacturer.
After electronics, they focused strongly on the automotive market, and began to challenge the quality of American cars.cheap college health insurance student Detroit could care less, for all they saw were American cars. After all, employees got deals on their company��s cars, and you wouldn't be caught dead driving a foreign car if you worked for an American automaker in Detroit, too bad they didn't take more trips to California!!!
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Wall Street was making investments available to more and more consumers, therefore increasing the number of stockholders �C guess what they were conditioned to expect? Higher profits, better bottom line �C more Greed! Access to the stock market was now available to more and more average Americans, unlike the past, when only the very wealthy invested in the market, especially with the advent of widespread pension plan improvements and investment opportunities.cheap college health insurance student
Social consciousness was taking on new forms, Conservatives and Liberal ideas were not really all that far apart, some might say their roles have even switched sides since the late 50's and 60's! The flaw in the formula was the increase in followers of the Progressive agenda, forced to retreat from wide public view during and just after WWII, but who were working behind the scenes with radicals who were emerging from academia and student organizations.cheap college health insurance student Add to this the unfettered license given to the Communist Party, although their sole purpose was the destruction of Capitalism and our system of government �C why did we allow this? Were we nuts??
Politically, the spectrum was nowhere near as diverse as it is today, there were not such obvious extremes on both sides, (I feel that BOTH parties have been more or less hijacked by Progressives).cheap college health insurance student Greed in business was being manipulated by the corporate moguls, who pursued even bigger and bigger profit margins on products and services, and with this increased affluence for a few at the top, the "pillars of society" were introduced to the concept of guilt.
The second aspect I would like to present is that of the Progressive movement.cheap college health insurance student Fueled by the guilt of the wealthy, programs were introduced which espoused the ideas that we should try to provide for everyone a way to the American Dream which included having a good job, a good education, home ownership for all, access to health care, assistance for the poor children to get an assist prior to entering school with other,cheap college health insurance student more privileged children, and opportunity for all. No one would ever argue with these ideals, so they were embraced as truly altruistic undertakings. The problem was, they were government programs,cheap college health insurance student subject to the same aspects of greed and corruption that plagued us in other areas. Government Unions became more powerful, mandating how employees were to be hired, staffing levels maintained, government contracts administered (how many union employees were to be hired for the contract), and so on.cheap college health insurance student
Meanwhile, in the private sector, greed was busily at work still. Private companies were forced into unionization, laws were enacted to protect union organizing efforts,cheap college health insurance student and benefit programs were expanded. The end result was that this created a sphere of power and influence, once that was established, Greed reared its ugly head once again. With the power came the corruption, and the need to continue the power grab.cheap college health insurance student Greedy people sought out greedy politicians, and converted them to their circle of greed and corruption, and many programs that sounded so well intentioned wound up being more fodder for the greedy politicos and their cronies, and as the greed increased, the idealism which prompted many good people to go into politics was gradually diminished until it disappeared. I am not using any labels here,cheap college health insurance student there is plenty of blame to go around. The politicians developed mastery of pork manipulation, and "bringing home the bacon" for their respective districts, and to hell with the needs and best interests of the country. The most corrupted politicians were constantly rewarded with reelection, and the greed and corruption spread almost at will.cheap college health insurance student
While all this was happening, our economy was still doing quite well, but the Money Managers were consumed by greed, and began devising new ways to increase their wealth, and that of their clients.cheap college health insurance student Hedge funds were created, and hedge fund managers became multi-millionaires even multi-billionaires �C see the greed thread again throughout all of this?
Political groups and organizations were also getting in on the act, increasing their fundraising among �C guess who? These wealthy guilt ridden players! They provided the backing for organizations that began to strip away the founding ideas of our political parties, who realized that they could control anything they wanted, as long as they kept promising the "havenots" that they were on their side.cheap college health insurance student Progressives had something for them when the election was over, in the form of more new government programs requiring more government spending requiring more contributions, requiring more control from the money people, who wanted more new Progressive government programs instituted, to which the all too willing politicians agreed. Labels were introduced to promote the idea that only one party or the other was the one for you,cheap college health insurance student and that the other was the enemy.
During all this, the American public was hornswoggled and bamboozled down the primrose path by these unscrupulous greedy bastards. In return, we got name calling and propaganda to keep us unaware of what was really happening,cheap college health insurance student and to serve their purpose, the Progressives promoted the divisiveness inherent in their relentless attacks upon their opposition, and no reference to the real issues, except to render lip service and incite their faithful followers and the public perception of reformatted agendas.
Offshoots of the Progressives developed two concurrent strategies �C Political Correctness and Environmentalism.cheap college health insurance student Political Correctness was first used by the Marxist professors in German universities to coerce opposing viewpoints into submission through humiliation and consternation. They did this by imposing new meanings or implied connotations to otherwise harmless terms. Once the terms were accepted, the process was expanded to modify behavior, again using humiliation and denigration as weapons to enforce their positions.
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Environmentalists created the ��Religion�� of the ��Planet as new Deity�� we were destroying our world, and hastening the end of Mankind through our thoughtlessness. Species must be protected from extinction, man must be punished for his transgressions against the planet and its non-human inhabitants. The hoax of manmade global warming was perpetrated by one sector of these Progressives and sold to the world in order to punish ��polluters�� and redistribute their ill-gotten obscene profits to the underdeveloped nations and under-polluter through a system of phony ��Carbon Credits�� C the method by which the proponents of this hoax would make billions of dollars by selling the ��commodities�� through ��exchanges�� which they themselves created and owned.
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Jobs were outsourced, for only one reason �C greed once again �C they could make the bottom line look better, which meant they could command higher salaries and bonuses and executive perks, all components of the Greed phenomenon. One major cause of the higher production costs of doing business in this country were the Union-negotiated (more properly coerced) increases in both salaries and benefits, all secured by a promise of future benefits to the members.cheap college health insurance student Unfortunately, the cost of these increases could not be borne by the Unions. They had over promised and now found they could not deliver on them. Unions suddenly realized they were losing ground as and more jobs were outsourced, union membership was down -guess what? Greed was affected here big time!
The financial industry was realizing that their gravy train would soon be over,cheap college health insurance student so they convinced the greedy politicians, always looking for more campaign financing, to overlook their fiscal responsibility and accountability. Just let Fannie Mae and Freddie Mac run amok, while their administrators made more millions of dollars �C relying upon ��cooked�� books that qualified the executives for otherwise unearned bonuses for people like Jamie Gorelick and Franklin Raines �C basically the politicians fiddled while the country burned, and "We The People" were involved in splinter divisive pursuits,cheap college health insurance student very few paying any attention to the real issues that were tearing us apart. The opposition interjected multiple issues, more appropriately reserved for the States or individuals, into National Party Politics for one purpose �C to divide the opposition.
WHEW!!!
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Now that I got that off my chest, let's examine why we are the same, and not what makes us different. To begin, no one party or viewpoint has a monopoly on patriotism. I do not believe for one minute that the liberal folk here hate America,cheap college health insurance student or even really hate conservatives, deep down, it is just fashionable to be against something more than for something.
We first and foremost are all Americans, we demonstrated that sufficiently following 911 �C our sworn enemies don't attack liberals or conservatives,cheap college health insurance student they attack Americans, and by God, we respond as Americans. The ideals that we all believe in are the same basically. We are the greatest nation ever to have existed on this planet, and it is a shame that we have anyone going hungry when others are making obscene amounts of money through quasi-legal means with the help or ignorance of our government.cheap college health insurance student That millions of people in America have to suffer needlessly for lack of health care is a shame �C no, a sin! We are better than that. We have served as the beacon of liberty and a helping hand to the entire rest of the world, and gotten little or no thanks for it �C why don't we take care of our own first, and why doesn't the rest of the world help us when we are down?
The health profession has been virtually raped by the insurance companies through the exorbitant malpractice insurance rates most physicians are forced to pay,cheap college health insurance student and it is a major cause of the curtailment of practice areas due to these outrageous rates. For that, we can thank the lawyers, especially the trial lawyers who propagate the litigious society in their unbridled greed -there's that word again �C ever notice how pervasive it is? When doctors have to pay malpractice rates that are almost the equivalent of their entire year's income, it is no longer feasible for them to try to practice. If they want to try to continue,cheap college health insurance student they must raise their fees, or they cannot afford to practice. Most doctors come out of Medical school hundreds of thousands of dollars in debt, and if you add the overhead connected with establishing or even joining a practice, it is understandable that they must charge high fees. The insurance companies have been more than complicit here,cheap college health insurance student accepting settlements when there should have been trials, all in the name of expedience. Let's start with serious tort reform, disallowing the ridiculous frivolous lawsuits brought by unscrupulous attorneys, solely because they CAN, without regard to the merits of the case or in the absence of any liability on the part of either the physician or the hospital.cheap college health insurance student In our society we have forgotten that accidents happen, but in our desire for gain, we seek to place blame on everyone else, and never deign to accept the consequences of our own stupidity or carelessness �C it HAS to be someone else's fault! and they should PAY FOR IT!
We ought to make it mandatory that every juror sit through an explanation of the consequences of a large damages award �C that it will ultimately come out of THEIR pockets in the form of higher costs for products and services, or possibly in the destruction of entire industries or at least companies as a result of those awards,cheap college health insurance student but no, the trial lawyers would never stand for that -especially not the ACLU!
Tort reform will be vigorously opposed by the trial attorneys (John Edwards name come to mind) �C ever notice how many senators, congressmen and other officials are lawyers? They must teach greed in law school, or at least offer it as an elective.
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If we were able to convince the country that profit margins of 6 to 8 % were acceptable, that we didn't all need to realize a 20% return on our investments, that salaries should be bracketed and controlled to a reasonable figure, we might have a chance to come out of this mess �C trouble is, it will never fly, but doggone it,cheap college health insurance student we can sure try to push for it. Together, no labels except "Americans".
We cannot continue to go about the usual name calling and blame game for our condition �C it is what it is. But we can change the future,cheap college health insurance student if we work together, oust the Progressives from power in both parties, ferret out the rampant corruption and concentrate on what we can accomplish together as one nation. The current crop of politicians should be impeached for treason, there is no higher crime that I can imagine than selling out our national interest to retain power. The power should,cheap college health insurance student of right, be resting with the people, labels be damned!
All we need to do is to begin to show the initiative to stand up TOGETHER, regardless of affiliation, and demand that they do the right thing.cheap college health insurance student We do not need any new laws, in fact we should begin examining the complete Code of Federal Regulations with one goal- to scrap a whole bunch and enforce the ones that are reasonable. Purge regulations that mandate ridiculous demands upon businesses, those that inhibit growth for whatever reason. We should work with business executives to discuss how (voluntarily) excessive corporate salaries be reduced according to a formula that applies multiples of the lowest worker's salary in the company to something reasonable, not 1500 times that rate,cheap college health insurance student for example. Use this reduction in costs to allay the reduction in force (I apologize if this sounds a little socialistic, it really isn't). Create tax incentives for those businesses who employ this remedy and reduce their excessive tax burden. Then we can address other problems that we need to fix, creating a priority list that should include weaning ourselves from foreign oil,cheap college health insurance student utilizing the resources that we have available -treating this like the emergency situation that it is, scuttling the environmental objections for the time being, until some reasonable program can be established. Let��s put the Environmental Protection Agency on notice that we do not share the Progressive mindset espoused that the preservation of certain species of fish and wildlife take precedence over the sustenance and livelihood of humans!
We should nominate , support and elect Constitutionalists,cheap college health insurance student Conservatives who will apply common sense to attacking the problems facing our nation, like realizing that budget shortfalls are solved by eliminating spending, repealing unproductive programs that are not working, repealing agencies that have evolved into something nowhere near their original charter, reduce the incredibly bloated Federal employment rolls. Some people will suffer,cheap college health insurance student but isn��t the sacrifice worth the continuation of our country?
Quite an undertaking, but I firmly believe we are up to the task. There will also have to be an extensive overhaul of government programs �C culling those which are no longer necessary or productive, or have outlived their life span. That is a good beginning.cheap college health insurance student.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

beyond the political spectrum its good to be the king or maybe

Continued Part 1 (http://beyond-the-political-spectrum.blogspot.com/2009/11/its-good-to-be-kingor-maybe-congressman.html)

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Whenever I think of the level and extent of the various non-compensatory benefits that our Congressional representatives receive��especially in relation to the week-to-week struggles that the rest of us must endure in these lean economic times��I am reminded of a now-famous line from Mel Brooks�� 1981 ��History of The World, Part 1.�� In one segment of the comedy classic, Brooks portrays King Louis XVI, lampooning the French Monarch��s penchant for personal excesses (such as demanding sexual favors in relations in return for requests from the peasantry) by repeating the phrase, ��Its good to be the king�� whenever he receives ��compensation�� for services rendered.cheap college health insurance student So in the contemporary, if a member of the political class can be paid for their ��service�� with an amount that puts them in the top 10% of wage earners in the country, and receive an additionally valuable compensation such as affordable health insurance and health care while just one of the same is out of reach for 30 million or so of those they represent, what Congressperson wouldn��t be able to say ��It��s good to be a Congressman/woman
For many Americans, myself included,cheap college health insurance student we live with a reality that is markedly different from those we vote to represent us in the halls of Congress. For many of us, part of our week-to-week routine includes the difficult choice between paying for medicine or food, or going without basic health care altogether due to its inaffordability (and the ideologically intractable belief that the Free Market will eventually remedy this inequity). To be fair, the members of Congress receive the same health care plan choices that the other approximately 9 million plus federal government employees are offered.cheap college health insurance student The most popular offering from Blue Cross/Blue Shield cost each individual member 5.08 per month, ��with the government contributing an additional 3.16. The hypocrisy in this setup is that many of the same members of Congress often assert that if the government were to similarly subsidize health care for you and I, it would be an example ��socialism;�� apparently a practice that would herald the coming of Satan himself insofar as those who favor the notion that market forces will solve this dilemma (ignoring the fact of course,cheap college health insurance student that if such were possible, in all likelihood it would have already happened). And in much the same way that 3/4ths of the actual cost of health insurance for members of Congress is subsidized by taxpayers, the life insurance options for the lawmakers is also likewise subsidized to the tune of 1/4th of the total cost to the average American.
Additionally,cheap college health insurance student members of Congress don��t see the long lines outside emergency rooms one usually finds in [the] hospitals that dot lesser affluent areas of the country; they receive ��free VIP treatment at military hospitals�� without the wait. There is also the little known health benefit of on-the-Hill medical treatment by the capital-based Office of the Attending Physician of the United States

For an annual fee of 3, House and Senate members can designate the official congressional physician to be their primary care doctor��meaning they never have to deal with crowded doctor��s offices or be subject to the same type (lack of care) from a doctor as the rest of us (The Atlanta Journal-Constitution, ��Lawmakers Get Bounty of Benefits.cheap college health insurance student " http://www.ajc.com/news/nation-world/lawmakers-get-bounty-of-214897.html

Despite this service being purely optional among Congressmen,cheap college health insurance student it is an existing option that many of us common folk can only dream about.

The retirement schemes for members of Congress are even more��if one can believe it��favorable for this elite club of legislators.cheap college health insurance student While many Americans have to face the very real possibility of having to delay retirement due to the plummeting net worth of their various retirement plans in the current crippling recession, members of Congress enjoy a taxpayer-sponsor variation of the corporate ��golden parachute�� which addresses the problem of post-retirement income for the aged. Like their salaries,Congressional pensions are determined by a combination of time in office, age at retirement, and the current salary of each member at the time they leave (or are voted out of) office.cheap college health insurance student The rates at which these pensions accumulate value are second only to the pension value of the president in terms of generosity. Moreover, for many career members of Congress, the longer they have served the earlier they are able to collect pensions��an option unheard of among the majority of American employees, even within the federal government. According to the National Taxpayers Union,cheap college health insurance student the end result is that, between the generous accrual rates, the eligibility of early retirement collection, and the likelihood that many members will serve multiple terms totally 10-20 years (or longer), today��s members of Congress can collect a million dollars or more in pension security��less than the luckiest corporate CEO, but significantly more than what the average American will make over their active working lifetimes.cheap college health insurance student What��s more, members of Congress do not lose their pensions upon violations of the law, whether they are found guilty of misdemeanors or felonies; they are allowed to even keep the incremental cost of living increases they receive during their retirements (just ask those convicted former Congressmen who have no worries about their retirement futures). So the 1.3% of their salary that members of Congress must pay toward their government pension plans yields far more in bankable returns than the earnings liability it appears to be on the surface. And this pension scheme doesn��t even include earnings that could be collected if members of Congress participate in a separate 401(k)-style savings plan,cheap college health insurance student which allows them to set aside part of their salaries with a 5% government match. If you��re not outraged yet, stay tuned��

To Be Concluded��.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

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Short-term health insurance provides healthy individuals and families without health coverage with a safety net in case of emergencies. Most of these polices last between six months to a year, although the coverage period can be as short as 30 days, and can be renewed for as long as 36 months. Applying is simple and you can get your policies issued the day following approval. And, depending on the plan, you can enjoy individual coverage of as high as million. However, this type of insurance does not cover pre-existing conditions, or health problems that were documented before you applied for health insurance; the look-back period varies according to your state's laws. And if you've ever been denied coverage, you may not qualify for temporary insurance. Insurers also do not sell this type of insurance to applicants above 65 years old.

There are other drawbacks with this kind of health coverage. If you've made a claim, you will likely not be renewed under that particular policy and will have to re-apply for a new policy. Also, the illnesses or health problems you made the claim for in the old policy may be treated as a pre-existing condition and may result in you being denied renewal or a new policy.These policies also do not include dental or eye health coverage, as well as care for pregnancy and childbirth.

The advantages of taking out short-term insurance include: you can see any health provider you want; if you are hospitalized however, you need to get pre-certification from the insurer or they may not reimburse your hospital bills; premiums are relatively low as insurers expect that the insured will make few claims; and coverage can include your spouse and dependent children. Some plans may also cover preventive health services such as Pap smears, but not all of them do, so you have to read the terms of any policy you are applying for carefully.

One thing you should appreciate is that limited-term health plans will not cover the entire cost of your health expenses; there will still be a deductible, above which most insurers will pay some portion of the remaining costs. And if you can, pay your premiums up-front, since many insurers will provide you with a discount as an incentive for doing so.

Who should get short-term health insurance? If you're between jobs, a recent college graduate still looking for employment or a temporary worker who is not eligible for coverage under your company's existing health plan, a limited-term plan may be for you. If you're a formerly dependent child who has reached the cut-off age and is not a full-time student, this type of temporary plan can ensure that you remain covered until you get health insurance. In short, if you are momentarily without health insurance for whatever reason, and in good health, a limited-term plan will ensure that you will be covered for emergency treatment if you need to be hospitalized and save you from out-of-pocket expenses that might otherwise wipe you out financially. It is the cheapest way of getting health coverage until you can get permanent health insurance.

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user — Fri, 07 May 2010 02:46:07 TIME_ZONE

freedoms philosopher employer mandates individual mandates and cheapcollegehealthinsurancestudent com

The debate over health care reform is almost over. Other than a few minor modifications that will be needed to reconcile the House and Senate bills, the long battle is over. Although I��m reluctant to predict what the final product will look like, there are two reforms that will most likely survive the sausage-making process: employer mandates and individual mandates. As Charles and I suggested in our paper The Modern Health Care Maze, given the perverse systemic incentives present in our health care system, individual and employer mandates are unavoidable. Here��s what we can expect from these mandates.

EMPLOYER MANDATES: It��s not clear is how the government will be able to force small businesses to offer ��quality health insurance�� at a "reasonable cost," without incentivizing those employers to either: drastically reduce the wages of their employees, cut back the number of full-time employees, or filing for bankruptcy. The only way to prevent any of these adverse responses is for government to either subsidize health insurance for small businesses, redefine ��quality insurance,�� or both. Both strategies will be in the final bill. No one knows how much future small businesses will be willing or able to spend on employee health insurance. My best guess is that most small-business owners will need nearly a 100% subsidy in order to stay in business.And, let's not forget that the vast majority of small businesses will go bankrupt, regardless of health care reform. Government will try to control health insurance costs by redefining ��quality insurance.�� A 40% tax on ��Cadillac Health Insurance Plans�� offered by large employers will almost certainly be in the final bill. But I have very little faith in our legislators�� ability to distinguish between Cadillacs and Edsels. I do predict that Congress will end up with Cadillacs and most of the rest of us will have Edsels.

INDIVIDUAL MANDATES: No one knows how much young, healthy individuals will be willing or able to pay for mandatory health insurance, without defaulting on their student loans, defaulting on their car loans, or defaulting on their home mortgages. Without a 100% subsidy, my best guess is that we��ll see either a massive default rate on loans or a radical decline in college enrollment, new car or home purchases by young, healthy people. Therefore, if I��m right, government will be paying for most of the insurance that it mandates for young, healthy individuals.

So between employer and individual mandates government will be paying for a lot more or Edsel quality health care. And given that there is nothing in the health care reform bills that will force providers to compete based on quality and price, those subsidies will merely add to the inflationary spiral.