Tuesday, March 30, 2010
Karma - like a Bible verse
The Golden Rule states, "Do to others as you would have them do to you." - Luke 6: 31
Tuesday, March 23, 2010
no opinions, just the facts
These are the facts that I researched on the new health care thing. The bill is being written more and changed everyday, but this is what passed on Sunday.
The Huffington Post has compiled a list of the Top 18 Immediate effects of the Health Care Bill as well as some that will take effect in the first year of implementation.
1. An End to Pre-Existing Conditions. Health Insurers cannot deny children health insurance because of pre-existing conditions. A ban on the discrimination of adults will take effect in 2014.
2. Small Business Tax Credits. Businesses with fewer than 50 employees will get tax credits covering up to 50% of employee premiums.
3. Seniors Get "Donut-Hole" Rebate. Seniors will get a rebate to fill the so-called "donut hole" in Medicare during coverage, which severely limits prescription medication coverage expenditures over $2,700. As of next year, 50% of the doughnut hole will be filled.
4. More Young Adults Covered on Parents' Plans. The cut-off date for young adults to be covered by their parents' health insurance rises to the age 27.
5. No Lifetime Caps. Lifetime caps on the amount of insurance an individual can have will be banned. Annual caps will be limited and banned in 2014.
6. Adults with Pre-Existing Conditions Covered. A temporary high-risk pool will be set-up to cover adults with pre-existing conditions. Health Care exchanges will eliminate the program in 2014.
7. New Insurance Plans Must Include Preventative Care. New plans must cover check-ups and other preventative care without co-pays. All plans will be affected by 2018.
8. The End of Recissions. Insurance companies can no longer cut someone when he/she gets sick.
9. Transparency in Insurance Companies. Insurers must now reveal how much money is spent on overhead.
10. Customer Appeals Process. Any new plan must now implement an appeals process for coverage determinations and claims.
11. Indoor Tanning Services Tax. This tax will impose a 10% tax on indoor tanning services. This tax, which replaced the proposed tax on cosmetic surgery would be effective for services on or after July 1, 2010.
12. Enhanced Fraud Abuse Checks. New screening procedures will be implemented to help eliminate health insurance fraud and waste.
13. Medicare Expansion to Rural Areas. Medicare payment protections will be extended to small rural hospitals and other health care facilities that have a small number of Medicare patients.
14. Deductions for Blue Cross Blue Shield. Non-profit Blue Cross organizations will be required to maintain a medical loss ratio - money spent on procedures over money incoming - of 85% or higher to take advantage of the IRS tax benefits.
15. Nutrient Content Disclosure. Chain restaurants will be required to provide a "nutrient content disclosure statement" alongside their items. Expect to see calories listed both in-store and drive-thru menus of fast food restaurants some time soon.
16. Better Coverage for Early Retirees. The Bill establishes a temporary program for companies that provide early retiree health benefits of those ages 55-64 in order to help reduce the often expensive cost of that coverage.
17. Better Consumer Information on the Web. The Secretary of Human and Health Services will set up a new website to make it easy for Americans in any state to seek out affordable health insurance options. The site will also include helpful information for small businesses.
18. Encouraging Investment in New Therapies. A two-year temporary credit (up to maximum $1 billion) is in the Bill to encourage investment in new therapies for the prevention and treatment of diseases.
The Huffington Post has compiled a list of the Top 18 Immediate effects of the Health Care Bill as well as some that will take effect in the first year of implementation.
1. An End to Pre-Existing Conditions. Health Insurers cannot deny children health insurance because of pre-existing conditions. A ban on the discrimination of adults will take effect in 2014.
2. Small Business Tax Credits. Businesses with fewer than 50 employees will get tax credits covering up to 50% of employee premiums.
3. Seniors Get "Donut-Hole" Rebate. Seniors will get a rebate to fill the so-called "donut hole" in Medicare during coverage, which severely limits prescription medication coverage expenditures over $2,700. As of next year, 50% of the doughnut hole will be filled.
4. More Young Adults Covered on Parents' Plans. The cut-off date for young adults to be covered by their parents' health insurance rises to the age 27.
5. No Lifetime Caps. Lifetime caps on the amount of insurance an individual can have will be banned. Annual caps will be limited and banned in 2014.
6. Adults with Pre-Existing Conditions Covered. A temporary high-risk pool will be set-up to cover adults with pre-existing conditions. Health Care exchanges will eliminate the program in 2014.
7. New Insurance Plans Must Include Preventative Care. New plans must cover check-ups and other preventative care without co-pays. All plans will be affected by 2018.
8. The End of Recissions. Insurance companies can no longer cut someone when he/she gets sick.
9. Transparency in Insurance Companies. Insurers must now reveal how much money is spent on overhead.
10. Customer Appeals Process. Any new plan must now implement an appeals process for coverage determinations and claims.
11. Indoor Tanning Services Tax. This tax will impose a 10% tax on indoor tanning services. This tax, which replaced the proposed tax on cosmetic surgery would be effective for services on or after July 1, 2010.
12. Enhanced Fraud Abuse Checks. New screening procedures will be implemented to help eliminate health insurance fraud and waste.
13. Medicare Expansion to Rural Areas. Medicare payment protections will be extended to small rural hospitals and other health care facilities that have a small number of Medicare patients.
14. Deductions for Blue Cross Blue Shield. Non-profit Blue Cross organizations will be required to maintain a medical loss ratio - money spent on procedures over money incoming - of 85% or higher to take advantage of the IRS tax benefits.
15. Nutrient Content Disclosure. Chain restaurants will be required to provide a "nutrient content disclosure statement" alongside their items. Expect to see calories listed both in-store and drive-thru menus of fast food restaurants some time soon.
16. Better Coverage for Early Retirees. The Bill establishes a temporary program for companies that provide early retiree health benefits of those ages 55-64 in order to help reduce the often expensive cost of that coverage.
17. Better Consumer Information on the Web. The Secretary of Human and Health Services will set up a new website to make it easy for Americans in any state to seek out affordable health insurance options. The site will also include helpful information for small businesses.
18. Encouraging Investment in New Therapies. A two-year temporary credit (up to maximum $1 billion) is in the Bill to encourage investment in new therapies for the prevention and treatment of diseases.
Thursday, March 18, 2010
Accurate 2010 Horoscopes
This is late, I realize, but I really like Astrology, and instead of forwarding to however many people by way of email, I decided to post to my blog. This way I can reference at any time.
ARIES - The Aggressive
Outgoing. Lovable. Spontaneous. Not one to mess with. Funny.. Excellent kisser EXTREMELY adorable. Loves relationships, and family is very important to an Aries. Aries are known for being generous and giving. Addictive. Loud. Always has the need to be 'Right'. Aries will argue to prove their point for hours and hours. Aries are some of the most wonderful people in the world.. 16 years of bad luck if you do not forward.
TAURUS - The Tramp
Aggressive. Loves being in long relationships. Likes to give a good fight. Fight for what they want. Can be annoying at times, but for the love of attention. Extremely outgoing. Loves to help people in times of need. Good kisser. Good personality. Stubborn. A caring person. They can be self centered and if they want something they will do anything to get it. They love to sleep and can be lazy. One of a kind. Not one to mess with. Are the most attractive people on earth! 15 years of bad luck if you do not forward.
GEMINI - The Twin
Nice. Love is one of a kind. Great listeners. Very Good at confusing people... Lover not a fighter, but will still knock you out. Gemini's will not take any crap from anyone. Gemini's like to tell people what they should do and get offended easily. They are great at losing things and are forgetful. Gemini's can be very sarcastic and childish at times and are very nosey. Trustworthy. Always happy. VERY Loud. Talkative. Outgoing. VERY FORGIVING. Loves to make out. Has a beautiful smile. Generous. Strong. THE MOST IRRESISTIBLE. 9 years of bad luck if you do not forward.
CANCER - The Beauty
MOST AMAZING KISSER. Very high appeal. A Cancer's Love is one of a kind.. Very romantic.. Most caring person you will ever meet in your life. Entirely creative Person, most are artists and insane, respectfully speaking. They perfected sex and do it often. Extremely random. An Ultimate Freak. Extremely funny and is usually the life of the party. Most Cancers will take you under their wing and into their hearts where you will remain forever. Cancers make love with a passion beyond compare. Spontaneous. Not a Fighter, But will kick your ass good if it comes down to it. Someone you should hold on to! 12 years of bad luck if you do not forward.
LEO - The Lion
Great talker. Attractive and passionate. Laid back. Usually happy but when unhappy tend to be grouchy and childish. A Leo 's problem becomes everyone's problem. Most Leos are very predictable and tend to be monotonous. Knows how to have fun.. Is really good at almost anything. Great kisser. Very predictable. Outgoing. Down to earth. Addictive. Attractive. Loud. Loves being in long relationships. Talkative. Not one to mess with. Rare to find. Good when found. 7 years of bad luck if you do not forward.
VIRGO - The One that Waits
Dominant in relationships. Someone loves them right now. Always wants the last word. Caring. Smart. Loud. Loyal. Easy to talk to. Everything you ever wanted. Easy to please. A pushover. Loves to gamble and take chances. Needs to have the last say in everything.. They think they know everything and usually do. Respectful to others but you will quickly lose their respect if you do something untrustworthy towards them and never regain respect. They do not forgive and never forget. The one and only. 7 years of bad luck if you do not forward.
LIBRA - The Lame One
Nice to everyone they meet. Their love is one of a kind. Silly, funny and sweet. Have own unique appeal. Most caring person you will ever meet! However, not the kind of person you want to mess with...you might end up crying. Libras can cause as much havoc as they can prevent. Faithful friends to the end. Can hold a grudge for years. Libras are someone you want on your side. Usually great at sports and are extreme sports fanatics. Very creative. A hopeless romantic. 9 years of bad luck if you do not forward.
SCORPIO - The Addict
EXTREMELY adorable. Loves to joke. Very Good sense of humor. Will try almost anything once. Loves to be pampered. Energetic. Predictable. GREAT kisser. Always get what they want.. Attractive. Loves being in long relationships. Talkative. Loves to party but at times to the extreme. Loves the smell and feel of money and is good at making it but just as good at spending it! Very protective over loved ones. HARD workers. Can be a good friend but if is disrespected by a friend, the friendship will end. Romantic. Caring.. 4 years of bad luck if you do not forward.
SAGITTARIUS - The Promiscuous One
Spontaneous. High appeal. Rare to find. Great when found.. Loves being in long relationships. So much love to give. A loner most of the time. Loses patience easily and will not take crap. If in a bad mood stay FAR away. Gets offended easily and remembers the offense forever. Loves deeply but at times will not show it, feels it is a sign of weakness. Has many fears but will not show it. VERY private person. Defends loved ones with all their abilities. Can be childish often. Not one to mess with. Very pretty. Very romantic. Nice to everyone they meet. Their Love is one of a kind.. Silly, fun and sweet. Have own unique appeal. Most caring person you will ever meet! Amazing in bed..!!! Not the kind of person you want to mess with- you might end up crying. 4 years of bad luck if you do not forward.
CAPRICORN - The Passionate Lover
Love to bust. Nice. Sassy. Intelligent. Sexy. Grouchy at times and annoying to some. Lazy and love to take it easy. But when they find a job or something they like to do they put their all into it. Proud, understanding and sweet.
Irresistible. Loves being in long relationships. Great talker. Always gets what he or she wants. Cool. Loves to win against other signs especially Gemini's in sports. Likes to cook but would rather go out to eat at good restaurants.
Extremely fun. Loves to joke. Smart. 24 years of bad luck if you do not forward.
AQUARIUS - Does It In The Water
Trustworthy. Attractive. Great kisser. One of a kind, loves being in long-term relationships. Can be clumsy at times but tries hard. Will take on any project. Proud of themselves in whatever they do.. Messy and unorganized. Procrastinators. Great lovers, when they're not sleeping. Extreme thinkers. Loves their pets usually more than their family. Can be VERY irritating to others when they try to explain or tell a story. Unpredictable. Will exceed your expectations. Not a Fighter but will Knock your lights out.. 2 years of bad luck if you do not forward
PISCES - The Partner for Life
Caring and kind. Smart. Likes to be the center of attention. Very organized. High appeal to opposite sex. Likes to have the last word. Good to find, but hard to keep. Passionate, wonderful lovers. Fun to be around. Too trusting at times and gets hurt easily. VERY caring. They always try to do the right thing and sometimes gets the short end of the stick. They sometimes get used by others and get hurt because of their trusting. Extremely weird but in a good way. Good sense of humor!!! Thoughtful. Loves to joke. Very popular. Silly, fun and sweet. Good friend to other but needs to be choosy on who they allow their friends to be. 5 years of bad luck if you do not forward.
ARIES - The Aggressive
Outgoing. Lovable. Spontaneous. Not one to mess with. Funny.. Excellent kisser EXTREMELY adorable. Loves relationships, and family is very important to an Aries. Aries are known for being generous and giving. Addictive. Loud. Always has the need to be 'Right'. Aries will argue to prove their point for hours and hours. Aries are some of the most wonderful people in the world.. 16 years of bad luck if you do not forward.
TAURUS - The Tramp
Aggressive. Loves being in long relationships. Likes to give a good fight. Fight for what they want. Can be annoying at times, but for the love of attention. Extremely outgoing. Loves to help people in times of need. Good kisser. Good personality. Stubborn. A caring person. They can be self centered and if they want something they will do anything to get it. They love to sleep and can be lazy. One of a kind. Not one to mess with. Are the most attractive people on earth! 15 years of bad luck if you do not forward.
GEMINI - The Twin
Nice. Love is one of a kind. Great listeners. Very Good at confusing people... Lover not a fighter, but will still knock you out. Gemini's will not take any crap from anyone. Gemini's like to tell people what they should do and get offended easily. They are great at losing things and are forgetful. Gemini's can be very sarcastic and childish at times and are very nosey. Trustworthy. Always happy. VERY Loud. Talkative. Outgoing. VERY FORGIVING. Loves to make out. Has a beautiful smile. Generous. Strong. THE MOST IRRESISTIBLE. 9 years of bad luck if you do not forward.
CANCER - The Beauty
MOST AMAZING KISSER. Very high appeal. A Cancer's Love is one of a kind.. Very romantic.. Most caring person you will ever meet in your life. Entirely creative Person, most are artists and insane, respectfully speaking. They perfected sex and do it often. Extremely random. An Ultimate Freak. Extremely funny and is usually the life of the party. Most Cancers will take you under their wing and into their hearts where you will remain forever. Cancers make love with a passion beyond compare. Spontaneous. Not a Fighter, But will kick your ass good if it comes down to it. Someone you should hold on to! 12 years of bad luck if you do not forward.
LEO - The Lion
Great talker. Attractive and passionate. Laid back. Usually happy but when unhappy tend to be grouchy and childish. A Leo 's problem becomes everyone's problem. Most Leos are very predictable and tend to be monotonous. Knows how to have fun.. Is really good at almost anything. Great kisser. Very predictable. Outgoing. Down to earth. Addictive. Attractive. Loud. Loves being in long relationships. Talkative. Not one to mess with. Rare to find. Good when found. 7 years of bad luck if you do not forward.
VIRGO - The One that Waits
Dominant in relationships. Someone loves them right now. Always wants the last word. Caring. Smart. Loud. Loyal. Easy to talk to. Everything you ever wanted. Easy to please. A pushover. Loves to gamble and take chances. Needs to have the last say in everything.. They think they know everything and usually do. Respectful to others but you will quickly lose their respect if you do something untrustworthy towards them and never regain respect. They do not forgive and never forget. The one and only. 7 years of bad luck if you do not forward.
LIBRA - The Lame One
Nice to everyone they meet. Their love is one of a kind. Silly, funny and sweet. Have own unique appeal. Most caring person you will ever meet! However, not the kind of person you want to mess with...you might end up crying. Libras can cause as much havoc as they can prevent. Faithful friends to the end. Can hold a grudge for years. Libras are someone you want on your side. Usually great at sports and are extreme sports fanatics. Very creative. A hopeless romantic. 9 years of bad luck if you do not forward.
SCORPIO - The Addict
EXTREMELY adorable. Loves to joke. Very Good sense of humor. Will try almost anything once. Loves to be pampered. Energetic. Predictable. GREAT kisser. Always get what they want.. Attractive. Loves being in long relationships. Talkative. Loves to party but at times to the extreme. Loves the smell and feel of money and is good at making it but just as good at spending it! Very protective over loved ones. HARD workers. Can be a good friend but if is disrespected by a friend, the friendship will end. Romantic. Caring.. 4 years of bad luck if you do not forward.
SAGITTARIUS - The Promiscuous One
Spontaneous. High appeal. Rare to find. Great when found.. Loves being in long relationships. So much love to give. A loner most of the time. Loses patience easily and will not take crap. If in a bad mood stay FAR away. Gets offended easily and remembers the offense forever. Loves deeply but at times will not show it, feels it is a sign of weakness. Has many fears but will not show it. VERY private person. Defends loved ones with all their abilities. Can be childish often. Not one to mess with. Very pretty. Very romantic. Nice to everyone they meet. Their Love is one of a kind.. Silly, fun and sweet. Have own unique appeal. Most caring person you will ever meet! Amazing in bed..!!! Not the kind of person you want to mess with- you might end up crying. 4 years of bad luck if you do not forward.
CAPRICORN - The Passionate Lover
Love to bust. Nice. Sassy. Intelligent. Sexy. Grouchy at times and annoying to some. Lazy and love to take it easy. But when they find a job or something they like to do they put their all into it. Proud, understanding and sweet.
Irresistible. Loves being in long relationships. Great talker. Always gets what he or she wants. Cool. Loves to win against other signs especially Gemini's in sports. Likes to cook but would rather go out to eat at good restaurants.
Extremely fun. Loves to joke. Smart. 24 years of bad luck if you do not forward.
AQUARIUS - Does It In The Water
Trustworthy. Attractive. Great kisser. One of a kind, loves being in long-term relationships. Can be clumsy at times but tries hard. Will take on any project. Proud of themselves in whatever they do.. Messy and unorganized. Procrastinators. Great lovers, when they're not sleeping. Extreme thinkers. Loves their pets usually more than their family. Can be VERY irritating to others when they try to explain or tell a story. Unpredictable. Will exceed your expectations. Not a Fighter but will Knock your lights out.. 2 years of bad luck if you do not forward
PISCES - The Partner for Life
Caring and kind. Smart. Likes to be the center of attention. Very organized. High appeal to opposite sex. Likes to have the last word. Good to find, but hard to keep. Passionate, wonderful lovers. Fun to be around. Too trusting at times and gets hurt easily. VERY caring. They always try to do the right thing and sometimes gets the short end of the stick. They sometimes get used by others and get hurt because of their trusting. Extremely weird but in a good way. Good sense of humor!!! Thoughtful. Loves to joke. Very popular. Silly, fun and sweet. Good friend to other but needs to be choosy on who they allow their friends to be. 5 years of bad luck if you do not forward.
Tuesday, March 9, 2010
hobbies
Hobbies are nice and I love this one that started about a year ago. Sewing calms me, and the finished product is good, because I get to see it on my kids. Here are their Easter dresses for this year. I will be sure to share pictures of them wearing these dresses while hunting for Easter eggs.
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