Thursday, January 31, 2013

Comments - The Brief Addiction Science Information Source (BASIS)

Introduction

Wait time is one of the most commonly cited barriers to substance abuse treatment (Claus, 2002; Festinger, 1995). To date, no national study has collected data about factors that might influence wait time. This week we review a study that identified program and client characteristics associated with longer wait time for entry in a substance abuse treatment program (Andrews, 2013).

Methods

  • The researchers used data from the National Treatment Improvement Evaluation Study (Gerstein, 1995), a national longitudinal study of outpatient substance abuse treatment programs serving underserved clients such as minorities, youth, and those in the criminal justice system. The sample was made up of 2,920 clients, racially and ethnically diverse, attending 57 substance abuse treatment programs.
  • The researchers gathered client data (e.g., gender, race, treatment payment source, referral source, severity of substance abuse, HIV status) through computer-assisted, personal interviews. For wait time, respondents answered the question ??How long ago was your name put in for treatment this time?? using 6 categorical response options (i.e., 1 day, 2-6 days, 1-4 weeks, 1-3 months, 4-12 months, more than one year). Researchers collected program characteristics (e.g., financial resources, organizational structure, types of treatment provided) through interviews conducted with program administrators and clinical directors.?
  • The researchers identified the proportion of clients who waited over one month to receive substance abuse treatment.
  • Using generalized linear modeling, they examined program characteristics and client characteristics associated with wait time of over one month before entering treatment.

Results

  • 28% of clients reported waiting over one month to enter treatment
  • Odds ratios differed significantly for selected client-specific factors:
    • Clients of African-American ethnicity were 1.40 times more likely, 95% Confidence Interval (CI) [1.04, 1.88], compared to clients of white ethnicity, to report waiting for over a month before entering treatment,?p?< .05 ? ??
    • Clients who were referred through a criminal justice path were 1.70 times, 95% CI [1.18, 2.43], more likely than clients referred through social services or self-referred clients to report waiting for over a month before entering treatment,?p?< .01
    • Clients with a diagnosis of HIV/AIDS were less likely than clients without a diagnosis of HIV/AIDS to report waiting over a month to enter treatment, (0.38%, 95% CI [ 0.19, 0.77]),?p?< .01.
    • Those with relatively high severity of substance use were less likely than those with low severity to wait more than one month (0.99%, 95% CI [0.98, 1.0]), p?< .01 ?
    • Methadone treatment programs were significantly more likely to admit clients to treatment within one month (3.90%, 95% CI [1.0, 15.17]),?p?< .05. No other program-specific factors were significantly associated with wait time.?

Table 1: Odds ratios (95% confidence intervals) for selected associations between client and program-specific factors and waiting more than one month before substance use treatment. Adapted from Andrews, 2013.

?

Variable

OR

CI lower

CI upper

Client characteristics

African-American versus White

1.40 *

1.04

1.88

Latino versus White

1.25

0.85

1.84

Referred through criminal justice versus self-referral or social services

1.70 **

1.18

2.43

?

Referred through social services versus self-referral or criminal justice

0.94

0.58

1.52

?

HIV/AIDS diagnosis versus no diagnosis

0.38 **

0.19

0.77

?

Physical health problems versus no physical health problems

1.25

0.98

1.60

?

High severity of substance use versus low severity

0.99 **

0.98

1.00

Program characteristics

Methadone program versus other type of program

3.90 *

1.00

15.17

?

High program revenue versus low program revenue

0.93

0.33

2.81


* p
** p

Limitations

  • The data were collected in 1992-1994 and therefore do not reflect and more recent national trends in drug use behavior and the availability of outpatient treatment. ?
  • As with any measure based on retrospective self-report, the wait time data could be inaccurate.
  • The response option for treatment wait times might be problematic, particularly the options ?1-4 weeks? and ?1-3 months?, which appear to overlap. This might further limit the reliability of wait time data.
  • The results of the study only pertain to a limited sample?people who eventually enter treatment despite a longer waiting time?so it is impossible to account for selective attrition.

Discussion

This study analyzed factors associated with long wait time before entering substance abuse treatment. The results indicate that some treatment-seekers involuntarily wait longer than others to enter treatment for substance abuse.

The researchers speculate that HIV positive status and high addiction severity might have given clients priority entry to treatment; it is also possible, however, that some people with these characteristics dropped off wait lists more quickly, so that the pool of those who stayed and entered treatment was made up of people who experienced shorter wait times. The researchers further speculate that people referred through criminal justice were more motivated to enter treatment despite longer wait times because they were under supervision. They note also, that prior research indicates that African-Americans are more likely than Whites to report long wait lists as barriers to alcohol and substance abuse treatment (Grant, 1997). ?Although the reasons for this are unclear, this corroborates previous findings that disparities exist. It is likely that longer wait times are more common for populations considered to be socially or financially disadvantaged, and that this exists in a constellation of factors such as ability to pay and location of outpatient treatment.

For future research looking at wait time and program admission, it would be helpful to examine a wider sample of people?this means finding means of gathering data from people who did not enter programs as well as those who persevered. In light of the changes to access to treatment resulting from the Affordable Care Act (ACA), these investigations will be more important than ever.

-Kat Belkin

What do you think? Please use the comment link below to provide feedback on this article.

References

?Andrews, C. M., Shin, H., Marsh, J.C., Cao, D. (2013). Client and program characteristics associated with wait time to substance abuse entry. American Journal of Drug and Alcohol Abuse, 39(1), 61-68.

Claus, R. E., Kindleberger, L.R. . (2002). Engaging substance abusers after centralized assessment: predictors of treatment entry and dropout. Journal of Psychoactive Drugs, 34(1), 25-31.

Festinger, D. S., Lamb, R.J., Kountz, M.R., Kirby, K.C., Marlowe, D. (1995). Pretreatment dropout as a function of treatment delay and client variables. Addictive Behaviors, 20(1), 111-115.

Gerstein, D. R., Atta, A.R., Ingels, J.S., Johnson, R.A., Rasinski, K.A., Schildlaus, S., Talley, K., Jordan, K., Phillips, D.B., Anderson, D.W., Condelli, W.G., Collins, J.S. (1995). NTIES: National Treatment Improvement Evaluation Study. Rockville, Maryland: Center for Substance Abuse Treatment.

Grant, B.F. (1997). Barriers to alcoholism treatment: reasons for not seeking treatment in a general population study. Journal of Studies on Alcohol and Drugs, 58, 365-371.

? The researchers operationalized severity of substance use as the number of days of use of one of the five most common drugs in the past month.?

?

Source: http://www.basisonline.org/2013/01/stash-92lag-time-barriers-to-treatment-in-a-national-sample-of-people-with-substance-disorders.html

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Call of Mini: Brawlers for Android lets you blast your way through zombies sideways

Crawl of Mini Brawlers
Can you imagine a world without zombie shooters? Neither can we. The zombie apocalypse is proving to be nothing more than a sci-fi nerd?s fantasy at this point, but that doesn?t mean that games based on it are not awesome. Especially the ones that fall under the category of side-scrollers, like the new game from Triniti Interactive called Call of Mini: Brawlers. In it, players seem to inhabit a zombie-infested world full of characters that appear to be made out of Lego. This applies to both the playable characters and the zombies.

Call of Mini: Brawlers features 3D graphics, 5 playable characters, and a load of kick-ass weapons that can be used to blast through hordes of zombies in an infinite number of stages. The game also lets users complete challenges and go through certain obstacles apart from simply killing tons of zombies. In short, if you?re a hard core fan of zombie shooters, you?re going to have countless hours of fun playing this one.

To give this game a whirl, just make your way to Google Play where it can currently be downloaded for free. In fact, why don?t you save yourself some time and simply click on the link to Google Play highlighted as a source down below.


David Gonzales

David is a mobile computer geek who firmly believes that in order to stay healthy, one needs to eat daily doses of gadgets for breakfast, lunch, and dinner. Join him as he indulges his passion for technology and recent fascination with all things Android.

Source: http://www.androidauthority.com/call-mini-brawlers-android-zombies-sideways-151977/

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Forget buying software: You can now rent Microsoft Office (cheap!)

5 hrs.

Considering that we can have music, movies, TV shows, Photoshop???even underwear???via some sort of monthly or yearly subscription, it's about time we can finally rent Microsoft Office 365, too.

In exchange for $100 per?year (or $10 per?month), you'll be able to install Office 2013 on up to five PCs, Macs or Windows tablets. You'll have?access to Word, Excel, PowerPoint, OneNote, Outlook, Publisher and Access. Additionally, you'll get an extra?20GB of cloud storage through SkyDrive (on top of the 7GB you already get for free) along with 60 minutes of Skype world calling per month.?

You can still buy Office 2013 the old-school way, though don't expect to see any physical media in the software box; you'll just buy a product code and be sent online to download the actual software. The Home & Student version of that is $140 and is limited to one device (and just Word, Excel, PowerPoint and OneNote); Home & Business is $220 (which includes Outlook as well), and Pro ? with all of the same?apps offered in the subscription ??is $400.

Besides being able to install on up to five devices, there are other benefits to the subscription plan:?Free upgrades to the latest versions of the Office software are included, so you can buy in at any time without worrying about missing the next version. Better still, since the subscription?license covers different types of devices, you don't have to buy a bunch of different versions.?(Besides Mac support, Microsoft has said in the past that this Office 365?license would even?provide you with not-yet-released editions, including a possible iPad version.)

If you have a family with lots going on, it is likely to be a money saver, even when you factor in the deals you get from home/student pricing.?

If you are simply?a power user with a lot of different devices, you'll be able to sync Office 365?documents between them with ease. (And you'll, of course, also be able to share documents quickly, thanks to SkyDrive.)?It doesn't stop with the documents though: Your settings and preferences sync as well. This means that no matter where you sign into Office 365, you'll have the same experience. This is, once again, a great benefit for those who split their time between one too many devices.

Pricing and cloud support aside, the latest Office itself isn't a radical redesign. Everything feels familiar, with some small tweaks. It appears that Microsoft is attempting to reduce the bloat we occasionally experience when it comes to its software suite. Does it succeed? Well, we'll have to use the software for a bit longer to make a solid judgment call in regards to that.

While?the?latest version of the software isn't?lacking anything?from?the?traditional?desktop?view???in fact, our initial impression is that it might be the best version of Office we've used so far???we're still waiting for a finger-friendly tablet version of the?legendary?suite.?Though?it?would?be?a?huge?success?given?the?popularity?of?iPads?and?other?tablets,?Microsoft?isn't?going?to?rush?that?out?in?haste,?because?the?company's?developers?say?they?want?to?get?it?right.

You can snag a free one-month trial of Office 365 through Office.com and we suggest taking advantage of this deal. Odds are that you'll find it feeling comfortable and familiar ? and a little lighter on the checkbook as well.

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

Source: http://www.nbcnews.com/technology/gadgetbox/forget-buying-software-you-can-now-rent-microsoft-office-cheap-1C8157930

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Google to Give $2.65 Million to Energy Foundation

Google.org is giving a $2.65M grant to the Energy Foundation to support policy reforms that will lead to more intelligent energy use. The effort will focus on three fundamental areas:

  • Smarter electricity rates that encourage consumers to be more efficient, shift their electricity use to times when it?s cheaper and produce their own on-site energy;
  • Access to electricity markets for consumers and other businesses so they can be compensated for cutting energy use at key times;
  • Open data policies that give customers access to their own energy data, which they can use or share with third parties they select, promoting better energy management tools and services.

"One of the best parts about working at Google is the chance to use the Internet and digital technology to help us all manage energy better. We?ve seen big changes in recent years to the way we watch TV, use phones, read and listen to music, yet how we use electricity hasn?t changed much in decades," said Michael Terrell, Senior Policy Counsel, Energy & Sustainability, on the company blog.

"What if instead of a monthly bill we had access to more real-time and actionable information about our electricity consumption? What if our appliances, air conditioners, and lights adjusted automatically to use energy more efficiently and save money? If we did this in every home it would help improve the reliability of the grid and save billions of dollars," Terrell wrote.

Terrell goes on to contend that technology like smart meters and programmable thermostats make it possible to do this today. "The challenge is that the rules governing electricity distribution were written for last century?s grid."

Source: http://tdworld.com/business/google-energy-foundation-grant-0113/index.html?imw=Y

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Wednesday, January 30, 2013

What?s next for Anthony Pettis? Waiting patiently for the lightweight title shot

With his performance against Donald Cerrone on Saturday night, Anthony Pettis made a believer out of many fight fans. One of those who now thinks Pettis belongs in the title shot conversation is UFC president Dana White.

While the next bout for UFC lightweight champion Benson Henderson is set with Strikeforce champion Gilbert Melendez in April, Pettis has set himself up as the obvious next man up.

"I think the Melendez fight is pretty set, but (Pettis is) next. I can't say enough things about the kid tonight. That was incredible," White said in the postfight press conference.

The last time Pettis had a title shot, he had a wrench thrown into the plans. Pettis won the WEC lightweight belt in the promotion's final fight. A title shot was promised to whoever had the belt when the WEC merged with the UFC.

But two weeks after Pettis won the belt, Frankie Edgar and Gray Maynard faced off for the belt. They fought to a draw and Edgar kept the belt, but Maynard was given an immediate rematch.

Instead of waiting for the title shot then, Pettis fought Clay Guida. He lost a decision, and the title shot was gone. This time, he's not going to let the title shot slip through his hands.

"If it's a guaranteed title shot, then I'm waiting. That was my goal this year, and I'm definitely going to wait and get better," Pettis said.

The way title shots have been going in the UFC, there's no way to know if Pettis is making the right call. However, what Pettis is doing is setting himself up as the go-to guy if the UFC needs him. Melendez has had to postpone fights because of injuries in the past, and you never know what could happen as fighters prepare for their bouts.

Source: http://sports.yahoo.com/blogs/mma-cagewriter/next-anthony-pettis-waiting-patiently-lightweight-title-shot-172409772--mma.html

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Texas Obamacare Bill Would Give Tax Breaks To Companies That Don't Cover Contraception

  • Healthcare In America Is Already 'The Best In The World'

    One of the more positive sounding admonitions from health care reform opponents was that the United States had "the best health care in the world," so why would you mess with it? Well, it's true that if you want the experience the pinnacle of medical care, you come to the United States. And if you want the pinnacle of haute cuisine, you go to Per Se. If you want the pinnacle of commercial air travel, you get a first class seat on British Airways. Now, naturally, you wouldn't let just anyone mess with someone's tasting menu or state-of-the-art air-beds. But like anything that's "the best," the best health care in the world isn't for everybody. The costs are prohibitively high, the access is prohibitively exclusive, and the resources are prohibitively scarce. What do the people in America who "fly coach" in the health care system get? Well, at the time of the health care reform debate, they were participating in a system that was, by all objective measurements, <a href="http://www.huffingtonpost.com/2010/06/24/us-health-care-expensive_n_624248.html">overpriced and underperforming</a> -- if you were lucky enough to be participating in it. As anyone who's fortunate enough to have employer based health care or unfortunate enough to have a pre-existing condition can tell you, health care for ordinary people already involved all of those things that we were told would be a feature of the Affordable Care Act -- long waits, limited choice, and rationing. When the <a href="http://www.commonwealthfund.org/Content/Publications/Fund-Reports/2010/Jun/Mirror-Mirror-Update.aspx">Commonwealth Fund rated health care systems by nation</a>, the top marks in the surveyed categories went to the United Kingdom, New Zealand and the Netherlands. Ezra Klein examined the study, and <a href="http://voices.washingtonpost.com/ezra-klein/2010/06/us_health-care_system_still_ba.html">observed</a>: "The issue isn't just that we don't have universal health care. Our delivery system underperforms, too. 'Even when access and equity measures are not considered, the U.S. ranks behind most of the other countries on most measures. With the inclusion of primary care physician survey data in the analysis, it is apparent that the U.S. is lagging in adoption of national policies that promote primary care, quality improvement, and information technology.'"

  • Death Panels

    The only thing that perhaps matched the vastness of the spread or the depth of the traction of the "death panel" lie was the predictability that such a lie would come to be told in the first place. After all, this was a Democratic president trying to sell a new health care reform plan with the intention of opening access and reducing cost to millions of Americans who had gone without for so long. What's the best way to counter it? Tell everyone that millions of Americans would have increased access ... <i>to Death!</i> The best account of how the "death panel" myth was born into this world and spread like garbage across the landscape has been penned by Brendan Nyhan, who in 2010 wrote "Why the "Death Panel" Myth Wouldn't Die: Misinformation in the Health Care Reform Debate." <a href="http://www.dartmouth.edu/~nyhan/health-care-misinformation.pdf">You should go read the whole thing</a>. But to summarize, the lie began where many lies about health care reform begin -- with serial liar Betsy McCaughey, who in 1994 <a href="http://www.huffingtonpost.com/2009/10/07/andrew-sullivans-mccaughe_n_313157.html">polluted the pages of the New Republic</a> with a staggering pile of deception in an effort to scuttle President Bill Clinton's health care reform. As Nyhan documents, she re-emerged in 2009 when "she invented the false claim that the health care legislation in Congress would result in seniors being directed to 'end their life sooner.'" Nyhan: "McCaughey's statement was a reference to a provision in the Democratic health care bill that would have provided funding for an advanced care planning for Medicare recipients once every five years or more frequently if they become seriously ill. As independent fact-checkers showed (PolitiFact.com 2009b; FactCheck.org 2009a), her statement that these consultations would be mandatory was simply false--they would be entirely voluntary. Similarly, there is no evidence that Medicare patients would be pressured during these consultations to "do what's in society's best interest...and cut your life short." But the match that lit the death panel flame was not McCaughey, it was Sarah Palin, who repeated McCaughey's claims in a Facebook posting and invented the term "death panel." As Nyhan reports, Palin's claims were met with condemnation from independent observers and factcheckers, but the virality of the term "death panel" far outstripped its own debunking. To this day, the shorthand for this outrageous falsehood remains more firmly planted in the discourse than the truth. One thing worth pointing out is that Palin, in creating the term "death panel," <i>intended</i> to deceive people with it. In an interview with the <em>National Review</em>, <a href="http://www.nationalreview.com/articles/228636/rogue-record/rich-lowry">Palin admitted</a>: "The term I used to describe the panel making these decisions should not be taken literally." Rather, it was "a lot like when President Reagan used to refer to the Soviet Union as the 'evil empire.' He got his point across." Of course, while Reagan was exaggerating for effect, he wasn't trying to prey on the goodwill of those who were listening to him.

  • The Affordable Care Act Is A "Jobs-Killer"

    Naturally, the GOP greeted anything that the Obama White House did -- from regulating pollution to flossing after meals -- as something that would "kill jobs." The Affordable Care Act was no different. As you might recall, Republicans' first attempt at repeal came in the form of an inartfully named law called the "Repealing the Job-Killing Health Care Law Act." But did the health reform plan threaten jobs? Not by any honest measure. <a href="http://www.mcclatchydc.com/2011/01/17/106950/is-health-care-law-really-a-job.html">Per McClatchy Newspapers</a>: <blockquote>"The claim has no justification," said Micah Weinberg, a senior research fellow at the centrist New America Foundation's Health Policy Program. Since the law contains dual mandates that most individuals must obtain health insurance coverage and most employers must offer it by 2014, "the effect on employment is probably zero or close to it," said Amitabh Chandra, a professor of public policy at Harvard University.</blockquote> As McClatchy reported, the "job-killing" claim creatively used the "lie of omission" -- relying on "out of date" data or omitting "offsetting information that would weaken the argument." The Congressional Budget Office, playing it straight, deemed it essentially too premature to measure what the effect the bill would have on the labor market. At the time, Speaker John Boehner dismissed the CBO, saying, "CBO is entitled to their opinion." Perhaps, but lately, job growth in the health care industry has <a href="https://www.advisory.com/Daily-Briefing/2012/03/07/Jobs-report-preview" target="_hplink">bucked the economic downturn and health care has remained a robust sector of employment</a>. And it stands to reason that enrolling another 30 million Americans into health insurance will increase the demand for health care services and products, which in turn should trigger the creation of more jobs. Is there a downside? Sure. More demand, and greater labor costs, could push health care prices upward even as other effects of health reform push them down. But it's more likely that repealing the bill will have a negative impact on jobs than retaining it.

  • The Affordable Care Act Would Add To The Deficit

    The only thing more important than painting the Affordable Care Act as a certain killer of jobs was to paint it as a certain murderer of America's fiscal future. Surely this big government program was going to push indebtedness to such a height that our servitude to our future Chinese overlords was a <i>fait accompli</i>. <a href="http://www.huffingtonpost.com/2010/03/18/cbo-score-on-health-care_n_502543.html">As Ryan Grim reported in May of 2010</a>, the CBO disagreed: <blockquote>Comprehensive health care reform will cost the federal government $940 billion over a ten-year period, but will increase revenue and cut other costs by a greater amount, leading to a reduction of $138 billion in the federal deficit over the same period, according to an analysis by the Congressional Budget Office, a Democratic source tells HuffPost. It will cut the deficit by $1.2 trillion over the second ten year period. The source said it also extends Medicare's solvency by at least nine years and reduces the rate of its growth by 1.4 percent, while closing the doughnut hole for seniors, meaning there will no longer be a gap in coverage of medication.</blockquote> Recently, the CBO updated its ten-year estimate by dropping off the first two years of the law (where there was little to no implementation) and adding two years at the back end (during which time there would be full implementation). As you might imagine, replacing two years of low numbers with two years of higher numbers increased the ten-year estimate. But opponents of the bill immediately freaked out and declared the costs to have skyrocketed. <a href="http://nymag.com/daily/intel/2012/03/obamacare-haters-angered-by-facts.html">As Jonathan Chait reported</a>: <blockquote>The outcry was so widespread that the CBO took the unusual step of releasing a second update to explain to outraged conservatives that they were completely misreading the whole thing: "Some of the commentary on those reports has suggested that CBO and JCT have changed their estimates of the effects of the ACA to a significant degree. That's not our perspective. ... Although the latest projections extend the original ones by three years (corresponding to the shift in the regular ten-year projection period since the ACA was first being developed), the projections for each given year have changed little, on net, since March 2010." That is CBO-speak for: "Go home. You people are all crazy."</blockquote> As Chait goes on to note, the CBO now projects that "the law would reduce the deficit by slightly more than it had originally forecast."

  • The Affordable Care Act $500 Billion Cut From Medicare

    Normally, if you tell Republicans that you're going to cut $500 billion from Medicare, they will respond by saying, "Hooray, but could we make it <i>$700 billion</i>?" But the moment they got it into their heads that the Affordable Care Act would make that cut from Medicare, suddenly everyone from the party of ending Medicare As We Know It, Forever got all hot with concern about what would happen to these longstanding recipients of government health care. In fairness, <a href="http://www.factcheck.org/2010/03/a-final-weekend-of-whoppers/">as Factcheck pointed out</a>, the GOP opponents of Obama's plan were simply picking up a cudgel that had recently been wielded by the president himself: <blockquote>Whether these are "cuts" or much-needed "savings" depends on the political expedience of the moment, it seems. When Republican Sen. John McCain, then a presidential candidate, proposed similar reductions to pay for his health care plan, it was the Obama camp that attacked the Republican for cutting benefits.</blockquote> <a href="http://www.factcheck.org/2010/03/a-final-weekend-of-whoppers/">Nevertheless</a>! <blockquote>Whatever you want to call them, it's a $500 billion reduction in the growth of future spending over 10 years, not a slashing of the current Medicare budget or benefits. It's true that those who get their coverage through Medicare Advantage's private plans (about 22 percent of Medicare enrollees) would see fewer add-on benefits; the bill aims to reduce the heftier payments made by the government to Medicare Advantage plans, compared with regular fee-for-service Medicare.</blockquote> The <i>New England Journal of Medicine</i> <a href="http://www.nejm.org/doi/pdf/10.1056/NEJMp1005588">concurred</a>: <blockquote>A phased elimination of the substantial overpayments to Medicare Advantage plans, which now enroll nearly 25% of Medicare beneficiaries, will produce an estimated $132 billion in savings over 10 years. [...] The ACA also produces nearly $200 billion in savings by assuming that providers can improve their productivity as firms in other industries have done. On the basis of this presumed improvement, the law reduces Medicare's annual "market basket" updates for most types of providers - a provision that has generated controversy.</blockquote> The law doesn't cut any customer benefits, just the amount that providers get paid. Hospitals and drug companies agreed to these cuts based on the calculation that more people with insurance meant more people consuming what they sell and, more importantly for the hospitals, fewer people getting treated and simply not paying for it.

  • The Affordable Care Act Provides Free Health Care For Undocumented Immigrants

    This lie was launched to prominence with the help of a false accuser, South Carolina Rep. Joe Wilson, who famously heckled President Barack Obama during an address to a Joint Session of Congress by yelling "You lie!" after the president had mentioned that undocumented immigrants would not be eligible for the credits for the bill's proposed health care exchanges. As Time's Michael Scherer pointed out, this was not much of a challenge for factcheckers: <blockquote>In the Senate Finance Committee's working framework for a health plan, which Obama's speech seemed most to mimic, there is the line, "No illegal immigrants will benefit from the health care tax credits." Similarly, the major health-care-reform bill to pass out of committee in the House, H.R. 3200, contains Section 246, which is called "NO FEDERAL PAYMENT FOR UNDOCUMENTED ALIENS."</blockquote> In fact, <a href="http://voices.washingtonpost.com/ezra-klein/2010/04/why_immigrants_get_short_shrif.html">as Ezra Klein pointed out</a>, the Affordable Care Act "goes out of its way to exclude" undocumented immigrants: <blockquote>As the AP points out...there are about 7 million unauthorized immigrants who will be prohibited from buying insurance on the newly created exchanges, even if they pay out of their own pocket. And the exclusion of this group from health reform -- along with other restrictions that affect fully legal immigrants as well -- could create a massive coverage gap that puts a strain on the rest of the health system as well.</blockquote> Klein goes on to add that "immigrants-rights advocates tried to prevent this scenario from happening," but they ended up losing to the politics of the day. The concession they won was a promise from the president that he would shepherd a comprehensive immigration reform package through the legislature. They lost that round, too.

  • Republicans, And Their Ideas, Were Left Out Of The Bill And The Process

    Were health care policies dear to Republicans left out of the health care reform bill? Totally! <a href="http://thinkprogress.org/health/2009/10/29/171026/top-10-reasons-why-republicans-should-support-the-house-health-bill/">Unless we're counting the following</a>: --Deficit-neutral bill --Longterm cost reduction --Interstate competition that allows consumers to purchase insurance across state lines --Medical malpractice reform --High-risk pools --An extension of the time young people were allowed to remain on their parents' policies --No public money for abortion --Small business exemptions/tax credits --Job wellness programs --Delivery system reform In fact, the Democrats were eager to get GOP input and enthusiastic about including many of their desired components in the bill. Oh, and did we mention that the Affordable Care Act was modeled on a reform designed and implemented by a former Republican governor and presidential candidate, whose innovation was widely celebrated by the GOP while said former governor was running for president? And did we mention that the individual mandate that was used in Romneycare to ensure "no free riders" was originally dreamed up by the Heritage Foundation? And did we add that additional DNA of the Affordable Care Act was borrowed from the Senate GOP alternative to the Clinton plan in the 1990s and the <a href="http://www.bipartisanpolicy.org/news/press-releases/2009/08/bipartisan-policy-center-releases-report-improving-health-care-quality-a" target="_hplink">2009 Bipartisan Policy Committee plan</a>, which was endorsed by Tom Daschle, Howard Baker, and Bob Dole? As for the process, you might recall that the White House very patiently waited for the bipartisan Gang Of Six to weigh in with its own solution, and openly courted one Republican gang member, Sen. Chuck Grassley, long after it was clear to every reporter inside the Beltway that Grassley was intentionally acting in bad faith. And perhaps you don't recall the bipartisan health care summit that was held in March of 2009? if so, don't feel bad about it -- RNC Chairman Michael Steele couldn't remember it either, <a href="http://politicalcorrection.org/blog/201002250005">when he yelled at the president for not having one</a>.

  • The Demonization Of 'Deem And Pass'

    So, here's a fun little story about obscure parliamentary procedures. In May of 2010, as the health care reform michegas was steaming toward its endgame, it looked like the measure might fall. The Senate had passed a bill, but the House was stuck in a bit of a jam. It had no other choice but to take a vote on the Senate's bill, because if the House bill ended up in a conference committee to be reconciled with the Senate's, the whole resulting she-bang was assured of a filibuster, as the Democrats had, in the intervening period, lost their Senate supermajority. But the House had a problem. <a href="http://www.huffingtonpost.com/2010/03/16/health-care-opponents-dem_n_501353.html">As I wrote at the time</a>: <blockquote>House members are averse to doing anything that looks like they approve of the various side-deals that were made in the Senate -- like the so-called "Cornhusker Kickback." The House intends to remove those unpopular features in budget reconciliation, but if they pursue budget reconciliation on a standard legislative timeline -- where they pass the Senate bill outright first and then go back to pass a reconciliation package of fixes -- they'd still appear to be endorsing the sketchy side deals, and then the GOP would jump up and down on their heads. Enter "deem and pass." Under this process, the House will simply skip to approving the reconciliation fixes, and "deem" the Senate bill to be passed. By doing it this way, the Democrats get the Senate bill passed while simultaneously coming out against the unpopular features of the same.</blockquote> "Deem and pass" is the aforementioned obscure parliamentary procedure. And here's the thing about obscure parliamentary procedures -- everyone <i>loves</i> them when their side is doing them, but when they're being <i>done to you</i>, then they are basically evil schemes from the blasted plains of Hell. So if you're guessing that the Republicans declared the Democrats' use of "deem and pass" -- which also carried the moniker "the Slaughter Rule," after Rep. Louise Slaughter, who proposed its use in this instance -- to be a monstrous and unprecedented abuse of power, then give yourself a prize! And give yourself a bonus if you guessed that in reality, the GOP had used "deem and pass" <i>lots of times</i>. <a href="http://www.huffingtonpost.com/2010/03/16/house-has-long-history-of_n_500623.html">As Ryan Grim reported</a>, "deeming resolutions" had been in use dating back to 1933, and in 2005 and 2006, Republicans employed them 36 times. Other Republicans complained that Slaughter was supporting a tactic that she once vigorously opposed. <a href="http://voices.washingtonpost.com/ezra-klein/2010/03/the_arms_race_of_rules.html">That's true</a>! She fought the "deem and pass" during the Bush administration and lost. Which is precisely when she learned how effective it could be!

  • The Affordable Care Act Would Create A Mad Army of IRS Agents

    Lots of people wouldn't mind having better access to more affordable health care. But what if it came with thousands of IRS agents, picking through your stool sample? That sounds pretty bad. It also sounds pretty implausible! But that was no impediment to multiple health care reform opponents making claims that the tax man was COMMINAGETCHA! In this case, the individual mandate -- which requires people to purchase insurance or incur a tax penalty -- provided the fertile soil for this deception to spread. A March 2010 floor speech from a panicked Sen. John Ensign was typical of the genre: <blockquote>My amendment goes to the heart of one of the problems with this bill. There is an individual mandate that puts fines on people that can also attach civil penalties. And 16,500 new IRS agents are going to be required to be hired because of the health care reform bill.</blockquote> March of 2010 was a pretty great time for this particular lie. In one five day period, Ensign was joined by Reps. Paul Ryan ("There is an individual mandate. It mandates individuals purchase government-approved health insurance or face a fine to be collected by the IRS which will need $10 billion additional and 16,500 new IRS agents to police and enforce this mandate."), Pete Sessions ("16,000 new IRS agents will be hired simply to make sure that this health care bill is enforced.") and Cliff Stearns ("There is $10 billion to hire about 16,000 new IRS agents to enforce the individual mandate on every American"). All wrong! <a href="http://factcheck.org/2010/03/irs-expansion/">Per Factcheck</a>: <blockquote>This wildly inaccurate claim started as an inflated, partisan assertion that 16,500 new IRS employees might be required to administer the new law. That devolved quickly into a claim, made by some Republican lawmakers, that 16,500 IRS "agents" would be required. Republican Rep. Ron Paul of Texas even claimed in a televised interview that all 16,500 would be carrying guns. None of those claims is true. The IRS' main job under the new law isn't to enforce penalties. Its first task is to inform many small-business owners of a new tax credit that the new law grants them -- starting this year -- which will pay up to 35 percent of the employer's contribution toward their workers' health insurance. And in 2014 the IRS will also be administering additional subsidies -- in the form of refundable tax credits -- to help millions of low- and middle-income individuals buy health insurance. The law does make individuals subject to a tax, starting in 2014, if they fail to obtain health insurance coverage. But IRS Commissioner Douglas Shulman testified before a hearing of the House Ways and Means Committee March 25 that the IRS won't be auditing individuals to certify that they have obtained health insurance.</blockquote> As Factcheck goes on to note, <a href="http://www.gpo.gov/fdsys/pkg/BILLS-111hr3590enr/pdf/BILLS-111hr3590enr.pdf">on page 131 of the bill that was passed</a>, the IRS is explicitly prohibited from "from using the liens and levies commonly used to collect money owed by delinquent taxpayers, and rules out any criminal penalties for individuals who refuse to pay the tax or those who don't obtain coverage."

  • Affordable Care Act Bill Is Way Too Long And Impossible To Read!

    Oh, Congresscritters, the poor dears! So many bills to read and so little time -- between raising campaign cash at lush fundraisers and receiving marching orders from powerful corporate interests -- to actually read them all. <a href="http://www.washingtonmonthly.com/archives/individual/2009_08/019629.php">And this Affordable Care Act was a real humdinger of a long bill</a>. And long bills are bad because length implies complication and complication requires study and study implies some form of "work." So the proper thing to do is to mulch the entire print run of the bill and use it to power the boiler that heats the "sex dungeon" in the Longworth Office Building, the end! Actually, reading the bill is not that hard, despite the complaints. As the folks at <a href="http://computationallegalstudies.com/2009/11/08/facts-about-the-length-of-h-r-3962/">Computational Legal Studies were able to divine</a>: <blockquote>Those versed in the typesetting practices of the United States Congress know that the printed version of a bill contains a significant amount of whitespace including non-trivial space between lines, large headers and margins, an embedded table of contents, and large font. For example, consider page 12 of the printed version of H.R. 3962. This page contains fewer than 150 substantive words. We believe a simple page count vastly overstates the actual length of bill. Rather than use page counts, we counted the number of words contained in the bill and compared these counts to the number of words in the existing United States Code. In addition, we consider the number of text blocks in the bill -- where a text block is a unit of text under a section, subsection, clause, or sub-clause.</blockquote> <a href="http://www.huffingtonpost.com/2009/11/09/house-health-care-bill-ac_n_350810.html">As HuffPost noted in March of 2010</a>, "the total number of words in the House Health Reform Bill are 363,086," and when you throw out the words in the titles and tables of contents and whatnot, leaving only words that "impact substantive law," the word count drops to 234,812. "Harry Potter And the Order Of The Phoenix," a popular book read by small children, is 257,000 words long. (Although in fairness to Congress, the Affordable Care Act contains very few exciting accounts of Quidditch matches.)

  • The 2012ers Join The Fun

    We couldn't have a list of Affordable Care Act distortions without noting the ways some of your 2012ers have added to the canon. Herman Cain said that if the ACA had been implemented, <a href="http://thehill.com/blogs/healthwatch/politics-elections/177511-video-cain-if-obamacare-had-been-implemented-already-id-be-dead-">he'd be dead</a>. Not likely! The new law expands coverage so that uninsured individuals who face what Cain faced (cancer) have a better chance of getting coverage, and it restricts insurers from tossing cancer patients off the rolls based on their "pre-existing condition." But more to the point, Cain would have always been the wealthy guy who could afford to choose his doctor and pick the care he wanted. The Affordable Care Act doesn't prohibit wealthy people from spending money. Rick Santorum says that his daughter, who is diagnosed with a genetic disorder called trisomy 18 and who required special needs care, <a href="http://blogs.desmoinesregister.com/dmr/index.php/2011/04/25/santorum-more-disabled-people-will-be-denied-care-under-obamacare/">would be "denied care" under the Affordable Care Act</a>. Nope! Again, the law restricts insurers from throwing people with pre-existing conditions off their rolls. And for individuals under 19, that went into effect in September of 2010. Michele Bachmann believes that the Affordable Care Act would open "sex clinics" in public schools. This is Michele Bachmann we're talking about. <a href="http://www.huffingtonpost.com/2009/10/01/bachmann-sex-clinics-will_n_306292.html">Do you even need to ask</a>? And finally, Mitt Romney has said, as recently as March 5, that he never intended his CommonwealthCare reform to serve as a "model for the nation." "Very early on," he insisted, "we were asked -- is what you've done in Massachusetts something you would have the entire government do, the federal government do? I said no, from the very beginning." Unless "very early on" and "from the very beginning" mean something different from the conventional definition of those phrases, <a href="http://thinkprogress.org/health/2012/03/05/438044/romney-mandate-model-video/">Romney should augment his daily pharmaceutical intake with some memory-enhancing gingko biloba</a>.

  • So Many More To Choose From!

    Obviously, we did what we could to include as many of these lies and distortions as possible, but there's no way to include them all. If you're a completist, however, be sure to check out the <a href="http://www.thefrisky.com/2012-03-14/fact-or-fiction-obamacare%E2%80%99s-1-dollar-abortions/">Impossible Tale Of The One-Dollar Abortion</a>, the <a href="http://www.washingtonpost.com/wp-dyn/content/article/2011/02/09/AR2011020905682.html">Story of the State-Based Inflexibility That Wasn't</a>, <a href="http://politicalcorrection.org/factcheck/201101210006">The Curious Case of the Politically Connected Waivers</a> and <a href="http://www.minnpost.com/dc-dispatches/2011/03/michele-bachmanns-health-care-cover-charges-hard-fathom">Nancy Drew And The Hidden $105 Billion Expenditure</a>.

  • Source: http://www.huffingtonpost.com/2013/01/28/obamacare-contraception_n_2568596.html

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    Yahoo's 4Q report shows more signs of progress

    FILE - In this Friday, Jan. 25, 2013, file photo, Marissa Mayer, CEO of Yahoo!, listens during the 43rd Annual Meeting of the World Economic Forum, in Davos, Switzerland. Yahoo showed more signs of progress during the fourth quarter of 2012m, as the Internet company took advantage of higher ad prices and rising earnings from its international investments to deliver numbers that exceeded analyst forecasts. The results announced Monday, Jan 28, 2013, covered Yahoo's first full quarter under Mayer. (AP Photo/Keystone, Laurent Gillieron)

    FILE - In this Friday, Jan. 25, 2013, file photo, Marissa Mayer, CEO of Yahoo!, listens during the 43rd Annual Meeting of the World Economic Forum, in Davos, Switzerland. Yahoo showed more signs of progress during the fourth quarter of 2012m, as the Internet company took advantage of higher ad prices and rising earnings from its international investments to deliver numbers that exceeded analyst forecasts. The results announced Monday, Jan 28, 2013, covered Yahoo's first full quarter under Mayer. (AP Photo/Keystone, Laurent Gillieron)

    (AP) ? Yahoo got a little healthier during the last three months of 2012 as the long-suffering Internet company took advantage of higher ad prices and more money coming in from overseas investments to deliver numbers that exceeded analyst forecasts.

    The results announced Monday covered Yahoo's first full quarter under CEO Marissa Mayer. Yahoo Inc. lured Mayer away from Google Inc. in mid-July in its latest attempt to snap out of a funk that had depressed its revenue and stock price.

    Although Yahoo still isn't keeping pace with the overall growth of the Internet ad market, the company fared well enough during the fourth quarter to produce its first full-year gain in revenue since 2008. It was a scant increase: just $2.4 million higher than 2011's total of nearly $5 billion.

    Yahoo is now being run by its fifth permanent or interim CEO since 2008.

    Mayer, 37, has raised hopes among investors and employees with her Google pedigree and her pledge to transform Yahoo's website into a mesmerizing destination that attracts Web surfers and advertisers. During her first six months on the job, she has primarily focused on boosting employee morale and building better mobile and social-networking services so Yahoo can make more money from two of technology's hottest trends.

    "The future of Yahoo will be about innovation, execution and continued progress on a multi-year march toward growth, delighting users and driving shareholder value," Mayer assured analysts in a Monday conference call.

    Investors seem convinced Mayer is headed in the right direction. Yahoo's stock added 50 cents, or nearly 2.5 percent, to $20.81 in extended trading. The shares are up by more than 30 percent since Mayer joined the Sunnyvale, Calif., company.

    Yahoo has been feeding the rally by using part of a $7.6 billion windfall that it received from selling half its stake in Chinese Internet company Alibaba Group. The company spent $1.5 billion buying back nearly 80 million of its shares at an average price of $18.24 in the fourth quarter. Buybacks help boost the stock price for remaining shareholders.

    Mayer highlighted some of the company's recent strides during the conference call. She said internal surveys show 95 percent of Yahoo's 11,500 employees are optimistic about the company's future. Mayer also touted the potential of a recent redesign of Yahoo's email, saying the number of daily users has increased by 10 percent since the changes were unveiled last month.

    Yet Mayer's efforts haven't made a huge difference in Yahoo's ad sales ? the company's main way of making money.

    For instance, during the final three months of last year, Yahoo's ad revenue was $1.07 billion, roughly the same as a year earlier. By contrast, fourth-quarter ad revenue at Google surged by 19 percent from the previous year. Another rival, Facebook Inc., is expected to post much stronger ad growth Wednesday when the Internet social-networking leader is scheduled to release its fourth-quarter report.

    Overall, Yahoo's fourth-quarter earnings dipped 8 percent to $272 million, or 23 cents per share, down from $296 million, or 24 cents per share. The earnings would have been higher than the previous year, if not for a charge to close its South Korea operations and other one-time accounting items.

    If not for those charges, Yahoo said it would have earned 32 cents per share. On that basis, Yahoo topped the average estimate of 27 cents per share among analysts surveyed by FactSet.

    Yahoo's fourth-quarter revenue increased 2 percent from the previous year to $1.35 billion.

    After subtracting advertising commissions, Yahoo's fourth-quarter revenue stood at $1.22 billion ? about $10 million above analyst forecasts.

    Yahoo apparently isn't expecting a big upturn this year. The company predicted its revenue, minus commissions, will range from $1.07 billion to $1.1 billion in the current quarter. That's slightly below analysts' average estimate of $1.12 billion.

    In an encouraging sign, Yahoo's average price for display advertising on its website during the fourth quarter rose 7 percent from the previous year. Meanwhile, the average price for Yahoo's search ads increased by 1 percent from the previous year. This marked the first time that Yahoo has detailed the changes in its ad rates from the previous year. The fourth-quarter improvement could be an indication that advertisers believe Mayer's changes are starting to pay off.

    Yahoo still needs to work on increasing the volume of display advertising, which declined by 10 percent from the previous year. The number of revenue-generating search ads, though, increased 11 percent from the previous year. That improvement provided proof that Yahoo is harvesting better returns from its Internet-search partnership with Microsoft Corp. The alliance has allowed Yahoo to lower its expenses by relying on Microsoft's technology for most of its search results, but the arrangement had been producing disappointing returns on the advertising front until recently.

    Yahoo is still benefiting from its remaining holdings in Alibaba, as well as a roughly 35 percent in Yahoo Japan. Yahoo's fourth-quarter income from its investments increased 17 percent from the previous year to nearly $149 million. Because of a lag in how Yahoo books income from international revenue, the company's results still don't fully reflect the reduced stake in Alibaba. That will occur this year, reducing Yahoo's overseas earnings.

    Associated Press

    Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-01-28-US-Earns-Yahoo/id-e305900f0a424befb106b0824deb8823

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    High-tech cargo airship being built in California

    The Aeroscraft airship, a high-tech prototype airship, is seen in a World War II-era hangar in Tustin, Calif., Thursday, Jan. 24, 2013. Work is almost done on a 230-foot rigid airship inside a blimp hangar at a former military base in Orange Co. The huge cargo-carrying airship is has shiny aluminum skin and a rigid, 230-foot aluminum and carbon fiber skeleton. (AP Photo/Jae C. Hong)

    The Aeroscraft airship, a high-tech prototype airship, is seen in a World War II-era hangar in Tustin, Calif., Thursday, Jan. 24, 2013. Work is almost done on a 230-foot rigid airship inside a blimp hangar at a former military base in Orange Co. The huge cargo-carrying airship is has shiny aluminum skin and a rigid, 230-foot aluminum and carbon fiber skeleton. (AP Photo/Jae C. Hong)

    Leonel Cruz pulls down the flab on the Aeroscraft airship, a high-tech prototype airship, in a World War II-era hangar in Tustin, Calif., Thursday, Jan. 24, 2013. Work is almost done on a 230-foot rigid airship inside a blimp hangar at a former military base in Orange Co. The huge cargo-carrying airship is has shiny aluminum skin and a rigid, 230-foot aluminum and carbon fiber skeleton. (AP Photo/Jae C. Hong)

    The Aeroscraft airship, a high-tech prototype airship, is seen in a World War II-era hangar in Tustin, Calif., Thursday, Jan. 24, 2013. Work is almost done on a 230-foot rigid airship inside a blimp hangar at a former military base in Orange Co. The huge cargo-carrying airship is has shiny aluminum skin and a rigid, 230-foot aluminum and carbon fiber skeleton. (AP Photo/Jae C. Hong)

    Bradley Hasemeyer, the host of AOL's Trasnlogic show, uses his smartphone to photograph the Aeroscraft airship, a high-tech prototype airship, outside a World War II-era hangar in Tustin, Calif., Thursday, Jan. 24, 2013. Work is almost done on a 230-foot rigid airship inside the blimp hangar at a former military base in Orange Co. The huge cargo-carrying airship is has shiny aluminum skin and a rigid, 230-foot aluminum and carbon fiber skeleton. (AP Photo/Jae C. Hong)

    The Aeroscraft airship, a high-tech prototype airship, is seen in a World War II-era hangar in Tustin, Calif., Thursday, Jan. 24, 2013. Work is almost done on a 230-foot rigid airship inside a blimp hangar at a former military base in Orange Co. The huge cargo-carrying airship is has shiny aluminum skin and a rigid, 230-foot aluminum and carbon fiber skeleton. (AP Photo/Jae C. Hong)

    (AP) ? The massive blimp-like aircraft flies but just barely, hovering only a dozen feet off a military hangar floor during flight testing south of Los Angeles.

    Still, the fact that the hulking Aeroscraft could fly for just a few minutes represents a step forward in aviation, according to the engineers who developed it. The Department of Defense and NASA have invested $35 million in the prototype because of its potential to one day carry more cargo than any other aircraft to disaster zones and forward military bases.

    "I realized that I put a little dot in the line of aviation history. A little dot for something that has never been demonstrated before, now it's feasible," said flight control engineer Munir Jojo-Verge.

    The airship is undergoing testing this month at Marine Corps Air Station in Tustin, and must go through several more rounds of flight testing before it could be used in a disaster zone or anywhere else. The first major flight test took place Jan. 3.

    The biggest challenge for engineers is making sure the airship will be able to withstand high winds and other extreme weather conditions, Jojo-Verge said.

    Worldwide Aeros, the company that developed the aircraft, said it also must secure more funding for the next round of flight testing, but is hopeful the Defense Department and others will step in again as investors.

    The company says the cargo airship's potential to carry more cargo more efficiently than ever before would provide the U.S. military with an advantage on the battlefield and greater capacity to save more lives during natural disasters.

    The lighter-than-air vehicle is not a blimp or a zeppelin because it has a rigid structure made out of ultra-light carbon fiber and aluminum underneath its high-tech Mylar skin. Inside, balloons hold the helium that give the vehicle lift.

    The airship functions like a submarine, releasing air to rise and taking in air to descend, said Aeros mechanical engineer Tim Kenny. It can take off vertically, like a helicopter, then change its buoyancy to become heavier than air for landing and unloading.

    "It allows the vehicle to set down on the ground. And then when we want to become lighter than air, we release that air and then the vehicle floats and we can allow it to take off," Kenny said.

    The project has set abuzz the old hangars at the Marine Corps Air Station in Tustin. The structures were built to hold blimps during World War II. Now workers zip around in cherry-pickers, and the airship's silvery surface shines against the warm tones of the aging wood of the walls.

    "You could take this vehicle and go to destinations that have been destroyed, where there's no ports, no runways, stuff like that. This vehicle could go in there, offload the cargo even if there's no infrastructure, no landing site for it to land on, this vehicle can unload its whole payload," said Kenny.

    Next, Aeros wants to build a full-size 450-foot-long vehicle that can carry 66 tons of payload.

    Associated Press

    Source: http://hosted2.ap.org/APDEFAULT/495d344a0d10421e9baa8ee77029cfbd/Article_2013-01-30-Military%20Airship/id-cd1400da92db4990a01953e758953b4f

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    Tuesday, January 29, 2013

    Brainerd council to tap business Execs for strategic planning ...

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    5 Money Smart Moves for the New Year ? By Scott Gamm | One For ...

    With the new year upon us, we tend to start tackling our resolutions in many areas, whether financial, academic or health-related. When it comes to managing money while in college, you?ll have a leg up if you consider these five money moves to make in 2013. From credit cards to savings to student loans, it?s time for a financial checkup.

    1.? Credit Cards ? Get Them to Work For YOU

    First on the list are credit cards. College students have too many. According to a 2009 Sallie Mae study, 50% of college students have over four credit cards.?Students only need one credit card. Period.

    Why? Because the more credit cards you have, the more temptation there is to spend money, which will put you more at risk for getting into debt.

    Credit cards should be viewed as a tool to build up a solid credit history and not as a way to finance a fancier lifestyle. This means using credit card for small purchases under $50 per month. This is a manageable monthly balance to pay off in full each month.

    2.? Get Serious About Retirement

    It sounds crazy to think about retirement while in college. But the earlier you start, the more you?ll end up with later on? thanks to compounding interest (which is simply interest on interest). Consider opening up a Roth IRA, for example, through an online discount brokerage firm or other financial institution. If you save $1,000 per year for the next forty or so years, just over $33 per month, you?ll have $250,000 in your Roth IRA at age 65 (given an average rate of return of 7%). That?s a lot better than spending that money each year on movie tickets!

    This is easier said than done. To take action when it comes to retirement, you want to set aside a certain amount of money each month that will be entirely devoted to your Roth IRA?and not clothes or frozen yogurt.

    3.? Pay Interest on Your Student Loans

    Unless you have subsidized direct loans where the government pays the interest while you?re in school, interest will accrue during your college years (as opposed to simply starting to accumulate once you graduate).

    If you have student loans, do everything you can to pay the interest on those loans?while you?re still in school. This will dramatically reduce the time it?ll take to become debt-free and you?ll save thousands in interest over the life of the loan.

    4.? Think About Repayment Plans

    If you are graduating in May, start thinking about how you?re going to repay those loans. With federal loans, you?ll be automatically enrolled into a 10-year repayment plan. If that monthly payment is too high, consider switching into the 25-year payment plan, which will result in a lower monthly payment.

    But there is a catch. With that lower monthly payment, you?re actually paying more in interest over the life of the loan, compared to the standard plan. So try and stick with the 10-year plan, as it?s the fastest and cheapest repayment option. You also may be eligible for several income-based repayment plans that limit your monthly payments based on your income. Contact your loan servicer to inquire about switching plans.

    With private student loans, there are fewer options and it will ultimately be up to the bank and the terms of the loan as to how your repayment plan will be structured.

    5.? Make it Automatic

    Streamline your finances by automating everything: your savings, bill payments and retirement savings. Have a certain amount of money (10% of your income) automatically transferred from your checking account to your savings account. this will force you to make do with less. Head over to your bank?s website to set this up. It takes a few minutes but is ultimately worth it in the long run.

    Scott Gamm is author of MORE MONEY, PLEASE and founder of HelpSaveMyDollars.com. Follow him on Facebook and Twitter. He studies finance at NYU Stern.

    Please note:

    This article has been posted for your edification.? The views expresses in this article are solely those of the author and do not necessarily represent the views of Higher One, Inc.?In addition, the posting of this article by no means represents an endorsement by Higher One, Inc. of any of the products or services that may be included therein.

    Source: http://www.higherone.com/oneforyourmoney/2013/01/28/5-money-smart-moves-for-the-new-year-by-scott-gamm/

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    New health insurance market opens in WA in October - seattlepi.com

    SEATTLE (AP) ? Another aspect of President Barack Obama's health care law will go from concept to reality this fall as Washington residents who don't have health insurance will become eligible for Medicaid or gain access to a new insurance exchange.

    Some questions and answers on where the health care law stands in Washington state:

    ?How many people are uninsured in Washington and how many of them are projected to get insurance under the Washington Health Benefit Exchange?

    About 1 million Washington residents are uninsured, or about one in seven people who live in the state. Officials do not know the total number who will benefit from an expansion in Medicaid coverage or will buy health insurance through the state's new exchange, which opens in October. State officials estimate that by 2017, insurance coverage obtained through Medicaid and the exchange is expected to reduce Washington's uninsured rate to less than 5 percent.

    ?How many people are served by Medicaid in Washington state and how many more will be served by a proposed expansion?

    About 1.2 million Washington residents are currently served by Medicaid. Another 75,000 are eligible for the free health insurance for low-income people but do not participate, said state Health Care Authority spokesman Jim Stevenson. About 250,000 will be newly eligible on Jan. 1, 2014, under new rules that set the bar at 138 percent of the federal poverty level. If everyone who is eligible signs up for Medicaid, state officials expect to add about 325,000 over the new few years.

    ?How is the exchange being set up in Washington?

    A new public-private partnership called the Washington Health Benefit Exchange is setting up an online marketplace called the health plan finder. It will allow people to compare plan and enroll as individuals, families or small businesses. It was created by the Legislature in 2011. Rules were refined by another bill in 2012. It is governed by a board of volunteers with experience in health care, economics or actuarial science.

    ?How is it being paid for?

    Federal dollars are paying for setting up the exchange. Washington has received grants totaling more than $150 million so far. About 50 people currently work at the exchange and that number is expected to reach 100. Nearly $10 million has been set aside for marketing and outreach, including paid advertising starting in late summer.

    Beginning in 2015, the exchange will be required to be self-sustaining, with estimated expenses totaling about $50 million in 2015. How that will happen will be a topic of discussion during this year's Legislature. A monthly fee of nearly $13.69 per participant per month, which would add up to the costs of running the exchange, is being discussed along with other approaches.

    ?How will people access the exchange?

    Although its main interface will be online, people will also be able to access the exchange by fax, mail, telephone and in person.

    The Affordable Care Act requires that the exchange build relationships with local groups to help them with outreach and to also assist people who need help signing up for insurance, said Michael Marchand, spokesman for Washington health plan finder. These groups, called navigators, will likely be local nonprofits that help people in a certain community. The Health Benefit Exchange will be asking groups to apply for navigator grants soon. They'll be trained and certified to help people navigate the exchange but they will be prohibited from giving advice about which plan to join. Insurance agents and brokers will also have access to the exchange and people who want more advice can turn to them, but they will also have to pay these private companies a fee for their advice.

    ?How will the online site work?

    People will be able to search by cost, of course, but the interface will be much more sophisticated and potentially more confusing for people who would prefer not to have so many choices. They will be able to narrow their search to see what plans their own doctor will accept. They could search by name brand or type of plan and by what services are covered such as mental health and physical therapy.

    Online they'll find links to places where they can get extra help, on the telephone or in person and eventually the site will include a live chat feature for immediate help. People who enter their information into the system may also get a few nice surprises, such as a determination that they are eligible for Medicaid or for help paying their premiums.

    ?Will the exchange be ready to start enrolling people by the Oct. 1 deadline?

    Absolutely, says Marchand. But the program will continue evolve in the future, as will its online presence.

    Source: http://www.seattlepi.com/news/article/New-health-insurance-market-opens-in-WA-in-October-4229288.php

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    Monday, January 28, 2013

    Riots over Egyptian death sentences kill at least 32

    PORT SAID, Egypt/CAIRO (Reuters) - At least 32 people were killed on Saturday when Egyptians rampaged in protest at the sentencing of 21 people to death over a soccer stadium disaster, violence that compounds a political crisis facing Islamist President Mohamed Mursi.

    Armoured vehicles and military police fanned through the streets of Port Said, where gunshots rang out and protesters burned tyres in anger that people from their city had been blamed for the deaths of 74 people at a match last year.

    The rioting in Port Said, one of the most deadly spasms of violence since Hosni Mubarak's ouster two years ago, followed a day of anti-Mursi demonstrations on Friday, when nine people were killed. The toll over the past two days stands at 41.

    The flare-ups make it even tougher for Mursi, who drew fire last year for expanding his powers and pushing through an Islamist-tinged constitution, to fix the creaking economy and cool tempers enough to ensure a smooth parliamentary election.

    That vote is expected in the next few months and is meant to cement a democratic transition that has been blighted from the outset by political rows and street clashes.

    The National Defence Council, which is led by Mursi and includes the defence minister who commands the army, called for "a broad national dialogue that would be attended by independent national characters" to discuss political differences and ensure a "fair and transparent" parliamentary poll.

    The National Salvation Front of liberal-minded groups and other Mursi opponents cautiously welcomed the call.

    THREATS OF VIOLENCE

    Clashes in Port Said erupted after a judge sentenced 21 men to die for involvement in the deaths at the soccer match on February 1, 2012. Many were fans of the visiting team, Cairo's Al Ahly.

    Al Ahly fans had threatened violence if the court had not meted out the death penalty. They cheered outside their Cairo club when the verdict was announced. But in Port Said, residents were furious that people from their city were held responsible.

    Protesters ran wildly through the streets of the Mediterranean port, lighting tyres in the street and storming two police stations, witnesses said. Gunshots were reported near the prison where most of the defendants were being held.

    A security source in Port Said said 32 people were killed there, many dying from gunshot wounds. He said 312 were wounded and the ministry of defence had allocated a military plane to transfer the injured to military hospitals.

    Inside the court in Cairo, families of victims danced, applauded and some broke down in tears of joy when they heard Judge Sobhy Abdel Maguid declare that the 21 men would be "referred to the Mufti", a phrase used to denote execution, as all death sentences must be reviewed by Egypt's top religious authority.

    There were 73 defendants on trial. Those not sentenced on Saturday would face a verdict on March 9, the judge said.

    At the Port Said soccer stadium a year ago, many spectators were crushed and witnesses saw some thrown off balconies after the match between Al Ahly and local team al-Masri. Al Ahly fans accused the police of being complicit in the deaths.

    Among those killed on Saturday were a former player for al-Masri and a soccer player in another Port Said team, the website of the state broadcaster reported.

    TEARGAS FIRED

    On Friday, protesters angry at Mursi's rule had taken to the streets for the second anniversary of the uprising that erupted on January 25, 2011 and brought Mubarak down 18 days later.

    Police fired teargas and protesters hurled stones and petrol bombs. Nine people were killed, mainly in the port city of Suez, and hundreds more were injured across the nation.

    Reflecting international concern at the two days of clashes, British Foreign Office Minister for the Middle East Alistair Burt said: "This cannot help the process of dialogue which we encourage as vital for Egypt today, and we must condemn the violence in the strongest terms."

    European Union foreign policy chief Catherine Ashton urged the Egyptian authorities to restore calm and order and called on all sides to show restraint, her spokesperson said.

    On Saturday, some protesters again clashed and scuffled with police in Cairo, Alexandria and other cities. In the capital, youths pelted police lines with rocks near Tahrir Square.

    In Suez, police fired teargas when protesters angry at Friday's deaths hurled petrol bombs and stormed a police post and other governmental buildings including the agriculture and social solidarity units.

    Around 18 prisoners in Suez police stations managed to escape during the violence, a security source there said, and some 30 police weapons were stolen.

    "We want to change the president and the government. We are tired of this regime. Nothing has changed," said Mahmoud Suleiman, 22, in Cairo's Tahrir Square, the cauldron of the 2011 anti-Mubarak revolt.

    Mursi's opponents say he has failed to deliver on economic pledges or to be a president representing the full political and communal diversity of Egyptians, as he promised.

    "Egypt will not regain its balance except by a political solution that is transparent and credible, by a government of national salvation to restore order and heal the economy and with a constitution for all Egyptians," prominent opposition politician Mohamed ElBaradei wrote on Twitter.

    The opposition National Salvation Front, responding to the Defence Council's call for dialogue, said there must be a clear agenda and guarantees that any deal would be implemented, spokesman Khaled Dawoud told Reuters.

    The Front earlier on Saturday threatened an election boycott and to call for more protests on Friday if demands were not met. Its demands included picking a national unity government to restore order and holding an early presidential poll.

    Mursi's supporters say the opposition does not respect the democracy that has given Egypt its first freely elected leader.

    The Muslim Brotherhood, which propelled Mursi to office, said in a statement that "corrupt people" and media who were biased against the president had stirred up fury on the streets.

    The frequent violence and political schism between Islamists and secular Egyptians have hurt Mursi's efforts to revive an economy in crisis as investors and tourists have stayed away, taking a heavy toll on Egypt's currency.

    Source: http://news.yahoo.com/riots-over-egyptian-death-sentences-kill-least-32-081720840.html

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    Iran: Monkey successfully sent into space

    TEHRAN, Iran (AP) ? Iranian state TV says the country has successfully sent a monkey into space in what's described as another step toward Tehran's goal of a manned space flight.

    Monday's report said the monkey was sent up in a Pishtam, or Explorer, rocket to a height of 120 kilometers (72 miles). It gave no other details on the timing or location of the launch, but said the monkey returned safely.

    Iran has said it seeks to send an astronaut into space as part of its ambitious aerospace program. In 2010, Iran said it launched a rocket into space carrying a mouse, turtle and worms.

    The U.S. and its allies worry that technology from the space program could also be used to develop long-range missiles that could potentially be armed with nuclear warheads.

    Source: http://news.yahoo.com/iran-monkey-successfully-sent-space-114959524.html

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    Azerbaijan police arrest youths at anti-government protest

    BAKU (Reuters) - Police arrested about 40 activists demonstrating in Azerbaijan's capital on Saturday against President Ilham Aliyev's government and in support of residents of a northern town where protests were crushed this week.

    More than 100 protesters gathered in central Baku, some chanting "Freedom!" and calling for the resignation of Aliyev, who succeeded his father in 2003 and has tolerated little dissent in the oil-producing former Soviet republic.

    Police swiftly stopped the protest, forcing demonstrators out of a park and then arresting some in the street.

    The protest was triggered by unrest in Ismailli, about 200 km (125 miles) northwest of Baku, where police used teargas and water cannon on Thursday to disperse hundreds of protesters demanding the resignation of a regional leader. Cars were torched and a hotel set ablaze in a night of rioting.

    Unrest in Ismailli reflected frustration at what some Azeris see as an overbearing government, corruption and a big divide between rich and poor in the mostly Muslim Caspian Sea nation of nine million where many lack jobs, money and prospects.

    Western governments and rights groups accuse Aliyev of rigging elections and clamping down harshly on dissent, and he is expected to win a new presidential term in October despite opposition from Azeris tired of his rule.

    "Our patience came to an end. People are very unhappy with this regime. We demand a change of power in our country," demonstrator Malakhat Nasibova said at the protest in Baku.

    The unrest in Ismailli began late on Wednesday as a brawl involving a local hotel owner who crashed his car, and rapidly spiraled into a riot involving up to 3,000 people.

    Rioters set the hotel and cars in the courtyard on fire, before moving to the home of the regional governor's son, where a car and two motorcycles were set alight.

    Mass protests are usually quashed quickly by police in Azerbaijan. Riot police dispersed a protest last March in the town of Quba, 170 km (100 miles) north of Baku, after hundreds of residents demanded the mayor resign.

    Squeezed between Iran and Russia, Azerbaijan is also a transit hub for U.S. troops based in Afghanistan - a role its critics say limits Western powers' willingness to sanction Baku over human rights abuses and concerns about democracy.

    Azerbaijan also supplies energy to Europe, and Western oil companies which bring oil through the Caucasus country would be concerned by any widespread violence and instability.

    (Reporting by Nailia Bagirova; Writing by Margarita Antidze; Editing by Louise Ireland and Steve Gutterman)

    Source: http://news.yahoo.com/azerbaijan-police-arrest-youths-anti-government-protest-174156227.html

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