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02.06.2015
THIS iS A DIGEST OF THE BENEFITS OF THE AFFORDABLE CARE ACT THAT MOST DIRECTLY AFFECT INDIVIDUALS.
We suggest that you initially scan through the headlines of each paragraph to gain an overview of the act. 8 On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act (ACA). 8 ACA REDUCES THE BUDGET DEFICIT: ACA is the largest deficit reduction bill in a generation, Landmark 59-60. 10 CHECK FOR THE TRUTH: ACA REQUIRES BOTH IMPLEMENTATION BY THE STATES AND THE VOTERS ONGOING SUPPORT. 14 2010 MEDICAID: States may opt out of the following program, but must adhere to its criteria if they opt in. 12 2009 RECOVERY ACT REIMBURSEMENT FOR COSTS TO STATE MEDICAID PROGRAMS has saved Minnesota (in a€™09 -a€™10), $1,673,476,158 thru Sept 30, 2010.
14 2010 FOR THOSE THAT CANNOT AFFORD INSURANCE; See link to a€?Find your Health Care Optionsa€? above, or click here. 2011 IF ENACTED INTO LAW, PROPOSALS TO REDUCE FEDERAL FUNDING FOR MEDICAID ARE EXPECTED TO SUBSTANTIALLY REDUCE FUNDING TO STATE MEDICAID PROGRAMS AND ARE EXPECTED TO LEAVE 44 MILLION WITHOUT FUNDING FOR HEALTH CARE. 18 2014 EXCHANGE BUYING: To lower insurance premiums from what they would become under past practices, insurers are required to include everyone in a single risk pool, S.
18 2014 PENALTIES are monthly for the non-exempt individual who fails to insure themselves and their dependents.
18 2014 WITH THE HELP OF CONSUMER ASSISTANCE OFFICES, INSURANCE EXCHANGES WILL CREATE TRANSPARENCY AND COMPETITION AND THEREFORE LOWER RATES. 18 2011 AS PART OF TRANSPARENCY, INSURANCE COMPANIES MUST ADOPT UNIFORM EXPLANATIONS OF COVERAGE AND STANDARD DEFINITIONS prior to March 24, 2011. 20 2014 SUBSIDIES FOR THOSE UNDER 400% OF THE FPL limit premiums to between 2% to 9.5% of income, S 1401 and out of pocket costs to 30% of contract costs, S 1402. 21 2014 PRICE DISCRIMINATION OF ANY KIND except age and smoking is prohibited, S 2701 (A) (1). 22 2011, UNDER A PROVISION DRAFTED BY SENATOR FRANKEN (D MN), individual and small group plans (including grandfathered plans) must spend 80% of premium dollars, 85% in large group markets, on medical services, not administration, advertising, or profits, S 1001, sub 2718 amended by S 10101 sub 2718. 22 2014 ACA PROVIDES COST CONTROLS: By Jan 1, 2014, under Ss 1302(c) and S 1201 sub 2707(b) there will be annual out of pocket cost controls, and four cost levels of a€?essentiala€? benefits. 23 2010 SMALL BUSINESS WILL RECEIVE 35% TAX CREDITS NOW AND 50% IN 2014: employers with 25 or less full-time equivalent (FTE) employees with an average compensation of $50,000 or less can receive a tax credit beginning in 2010, S 1421, modified by S 10105. 27 2010 ACA CREATED A FEDERAL HIGH RISK INSURANCE PROGRAM FOR THOSE WITH PREEXISTING CONDITIONS and without insurance for six months.
29 2010 ENDS RESCISSIONS except for fraud or intentional misrepresent the law bans self funded and insured plans from dropping people from coverage when they get sick, S 1001, subs. 29 2010 BANS DUMPING which is the practice of raising premiums on the individual and small group market to discourage insureds from continuing the policy in question.
29 2010 ENSURES QUALITY OF CARE by requiring health care systems to report benefits and reimbursements that improve outcomes, follow up, prevent readmissions, improve patient safety, reduce medical errors and implement wellness and prevention activities. 29 2010 MUST PROVIDE AN INDEPENDENT APPEALS PROCESS: new individual and group plans must provide an internal and external appeals process,50 S 1001, sub 2719, that includes ongoing benefits during the appeal, S 1001, sub.
23 2010 SMALL BUSINESS WILL RECEIVE 35% TAX CREDITS NOW AND 50% IN 2014: employers with 25 or less full-time equivalent (FTE) employees with an average compensation of $50,000 or lessA  can receive a tax credit beginning in 2010, S 1421, modified by S 10105. Universal Church of Freedom Acceptance and Love - Ken's ReverendismsIn the interest of trying to do things better I want to start a blog page.
Currently in Beta, the project was in stealth mode for almost a year until its reveal at the recent staging of KingstonBeta.
WE BELIEVE THAT IT WILL PROVIDE THE BASIC INFORMATION AND GATEWAYS TO RESOURCES YOU NEED TO UTILIZE THE BENEFITS OF THE AFFORDABLE CARE ACT. These are the numbers of the pdf slides in the slide show section of this web site that relate to the paragraph. If it doesna€™t, look at the end of the digest for the number of the associated Note and either click on the associated URL or enter it into the address bar of your internet search engine. PRESIDENT OBAMA, 280 DEMOCRAT REPRESENTATIVES AND SENATORS IN THE 111th CONGRESS PASSED ACA USING HELP FROM PRESIDENTS TRUMAN, EISENHOWER, KENNEDY, JOHNSON, NIXON, REAGAN, CLINTON, and G.
The Congressional Budget Office (CBO) projects ACA to reduce the deficit by $1.5 trillion over the first 20 years8. IF IMPLEMENTED BY US, OUR GOVERNMENTS AND THE HEALTH CARE INDUSTRY AS IT WAS WRITTEN, 12 in the next four years most people will notice that it will be easier to read, understand, compare and shop for insurance. In this digest, each provisiona€™s effective year date is shown at the beginning of each entry. To start $30,000,000 was allocated in 2010 to jump start state consumer assistance offices. Until ACA came up for passage in 2009 this was endorsed by conservatives, Democrats and GOP leaders 60. That is because seventy-five percent of health care cost is spent on chronic illnesses arising from modifiable behavior.
Authorizes Medicare coverage of personalized prevention plan services, including an annual comprehensive health risk assessment, Section 4103, as modified by S 10402; Ss 4104-4105. 1312 (c); insurance will be sold through state operated exchanges accessible by both individuals, and small businesses, Ss 1311-1324. Without it costs will be uncontrollable.20 By 2014 individuals and employers with more than 50 employees must provide health care insurance, Ss. These are payable with the tax return with maximums of $2,085 per family or 2.5 percent of household income (whichever is higher). The Federal government does not have the authority to limit premiums, but the subsidies mention immediately above limit premium cost.
Medical services will be defined by the HHS in consultation with the state insurance commissioners, S 1001, sub 2715, 2718.
Coverage denial for pre-existing conditions is banned if less than age 19, and for everyone on Jan 1, 2014,44 , S. Denial is common in the commercial market.61 This program will operate until the insurance exchange takes effect in 2014 when everyone must be accepted. The provision, which is in S 1001, sub 2717 is effective immediately and is to be implemented within two years. They can also be typed in to the address line of an internet explorer, perhaps at the library. PRESIDENT OBAMA, 280 DEMOCRAT REPRESENTATIVES AND SENATORS IN THE 111th CONGRESS PASSED ACA USING HELP FROM PRESIDENTS TRUMAN, EISENHOWER,A  KENNEDY,A  JOHNSON, NIXON, REAGAN, CLINTON, and G. 1312 (c); insurance will be sold through state operated exchanges accessible by bothA  individuals,A  and small businesses, Ss 1311-1324. Without itA  costs will be uncontrollable.20 By 2014 individuals and employers with more than 50 employees must provide health care insurance, Ss.
The Federal government does not have the authority to limit premiums, but the subsidies mention immediately above limit premium cost.A  Also, an employer must offer a free choice, tax deductible, and non-taxable voucher in the amount of the employer contribution for purchase of insurance on an exchange if the employee earns less than 400% of the federal poverty income level.
So instead of adding more to this page where no one can respond to my opinions click on the link and read my blog. There it was well received by members of the regional start up community at the Jampro Auditorium in Kingston, Jamaica. Then read the text, verify it, if you wish, by referencing the sections of the act that are cited and expand the information by clicking on the web site links provided. According to the politically neutral Congressional Budget Office (CBO), repealing ACA would increase the deficit by $230b over the next ten years67 and by one-half of one percent of the GDP hereafter.
They will no longer have to worry about losing coverage for any reason and their insurance costs will become more affordable than they would be without ACA. The provision becomes effective for plan years beginning on or after the day date given in the entry. By 2014, these offices will be points of entry for all programs, simplified insurance applications and appeals.
They are authorized to credit us up to 20% of total premiums to encourage healthy behavior. Increased physical activity, healthy nutrition, cessation of tobacco use, and moderate use of alcohol bring major reductions in suffering, early death and cost. Jan 1, 2011 the ACA started a 50% discount off the Pharmaceutical company retail prices of brand name drugs and biologics in the donut hole and other discounts on generic drugs.
By opting into the ACA Medicaid program, the ACA gives states with very low MEDICAID qualifying income levels the option to EXPAND MEDICAID COVERAGE by increasing qualifying income levels to 1.33 times the Federal Poverty Level or less. This is part of the right to keep what you have, but much can depend upon whether your plan is a€?newa€? or a€?grandfathereda€?. There will also be a low cost catastrophe coverage policy for those under age 30 (S 1302 (e)) and a special program for those under age 21, (S. The HHS Secretary has directed the states to have the legislation and regulations needed to approve or disapprove rates and has granted $51 million to 45 states to assist this process. 28 ACA reimburses employers for 80 percent of claims between $15,000 and $90,000 solely to lower costs for employer based plans for retirees between the ages of 55-64. Insurers may offer a low cost catastrophic plan for those under 30 and four plans varying coverage at 60%, 70%, 80% and 90% of the cost of benefits.
113-127, 133, and Index a€?Medicarea€? for comprehensive digests of the issues and provisions or call-1-800-MEDICARE.
According to the Bureau of Labor Statistics this is more than any other industry 7.A  The Recovery Act and ACA together provide $2 billion to help this happen. Government Accountability Office put out a report on Nov 15, 2010 that shows the national debt is in an increasingly dire crisis.
Jan 1, 2011 the ACA started a 50% discount off the Pharmaceutical company retailA  prices of brand name drugs and biologics in the donut hole and other discounts on generic drugs. States may later add large groups, S 1312(f)(2)(B).A  Policies must be easy to understand and compare,41 S1001 sub 2715,A  QUESTIONS ABOUT THE MINNESOTA HEALTH CARE EXCHANGE ARE ANSWERED HERE. As the graphic below shows, like eight presidents before him, President Obama was driven to make health care reform one of his highest priorities by the simple fact that the cost of health care is pushing the country and its people rapidly toward bankruptcy.
BUSH WHO ALL SPONSORED REFORM PROGRAMS THAT ARE PART OF ACA.11 These ideas were also included in the Massachusetts Health Care reform law passed under Governor Romney.
Click here to see a CDC report of Minnesota, or here to find your state.66 Reducing this is something most of us can do. Depending upon this, CBO and CMS estimate that this law extends the life 13 of the Medicare until 2029, if we prevent Congress from using the savings inherent in this law for other purposes. All left uninsured may use one of the 8,500 Community Health Clinic offices (see below) or they may use emergency Rooms. Employees must purchase qualified job based insurance or lose the employer tax free contribution, if it meets minimum standards and is not excessively expensive, Ss 1511-1515. The States shall establish an annual review of unreasonable increases in premiums, inform HHS about trends in increases and make recommendations for exclusion from the exchanges Ss.1003, 2794.
The program expires when the money runs out or on Jan 1, 2014 because the insurance exchanges open, S 1102.
Individuals can apply for insurance from the back up federal high-risk pool38 Application requires only a letter from physician verifying pre-existing condition55 and no insurance for six months. This is the Affordable (Health) Care Act reform law and is referred to here as ACA.A  For instance, to find the law sections cited click on the underlined citation above. The report shows that the ACA enacted in March 2010 has the potential to reduce the growth of the debt by two thirds. Above incomes of 400% of FPL the insured is responsible within the out of pocket limits mentioned above. BlogOn the Photos page you will see the pictures I took at this years Fantasy Fest in Key West. The President knew that health care reform would be a major step toward improving the economy, creating jobs, balancing the budget and making other necessary programs possible. The ACA Act preserves private insurance and the right of individuals, employers and the states to freely continue existing health care plans and to make choices going forward so long as they meet minimum standards of benefits and coverage as outlined below, S 1312(d). Section 9007 of the ACA now required that private not for profit hospitals develop written financial assistance policies,63 limit what they charge for services, observe fair billing and debt collection practices, and conduct regular community needs assessments.
Employers must offer vouchers to employees earning less than 400% of the poverty level income if the employera€™s plan would cost the employee between 8 and 9.8% of income, S 10108. Contact your statea€™s health department18 and ask if they have applied.A  In all cases state benefits and insurance requirements may exceed ACA.


No one who offers health insurance is required to participate in any federal health insurance program created under ACA, S 1555. Low income persons who believe that they will be dependent upon this service should seek out the private not for profit hospitals in their area and ask to see the hospitals published material.
The truth can be found at independent research sites like Snopes14, Politico15, or Fact Check16. Exchanges may limit business access to those with 50 employees or less until 2016 and in 2017 may open the exchanges to employers of more than 100.
Medicare premium dollars can presently be used to purchase a commercial, non governmental policy in place of Medicare. In May 2011, HHS announced availability of more than $100 million in first year funding for Community Task Groups (CTGs), aimed at improving health and lowering health costs and ask your congress person what happened in 2012. The federal contribution to expansion states under the optional program will be 100% in 2014 and to all states 90% after 2019, Ss. Today, 68% of medically underserved communities across the nation are in rural areas, and these communities often have trouble attracting and retaining medical professionals. In May 2011, HHS announced availability of more than $100 million in first year funding for Community Task Groups (CTGs), aimed at improving health and lowering health costsA  and ask your congress person what happened in 2012. Tim Johnson, Hyperion Press (2010), or LANDMARK, the Inside Story of Americaa€™s New Health Care Law and What It Means for Us All, The Staff of The Washington Post, ISBN 978-1-58648-934-2, pp. The law provides increased payment to rural health care providers to help them continue to serve their communities. Qualified private plans, Tricare, VA and all government programs satisfy the mandate, S 1501(f)(1).
I could not believe the courage that she had on display.After I took her picture I told her how my father was currently battling cancer and as she saw the tears well up in my eyes she offered me a hug and some words of encouragement. Members of Congress and staff are required to purchase their health care plans on the state exchanges, S 1312. There are many inter section referrals within the statute so click on a€?Find next in current PDFa€? repeatedly until it takes you to the text of the section.
I was so moved I had to walk away to collect myself.I have no idea who this lady is or anything about herexcept that she is unbelievably brave. When the pdf of the statute opens, the a€?finda€? window may be at the top center of the web site that appears. The difference according to the Congressional Budget Office depends on whether or not the bill is implemented as written, is starved, is repealed or drained of its tax savings by extravagant spending elsewhere.17 History indicates that it will be implemented. There were thousands of women in Key West and most of them were fully clothed because of their fear of exposing themselves. I have put her on my list of life's heroes.They say that beauty is in the eye of the beholder.
From now on when the greatest college football players of all time are being discussed his name will be brought up.
In my opinion people that make a big deal out of their religion are trying to convince themselves andreally don't believe. Tebow was ill but went ahead and played anyway, some people would say this proves how tough he is. Tebow been thinking about the team and what was best for the team it never would have happened. Tebow should not have been in the game but he was becuaseheis trying topad his stats so he can win another Hiesman Trophy and the Gators can win another national championship.If something is good enough to be the best no one has to make it look better than it is. Leaving your best players in a football game so the team can gain more yards and score more touchdowns might get more voters to notice you but it is short sighted.
There is a reason some teamsalways stay on top and it is because they tkae the first team out during blow outs and give the second and third teams playing time.
Tebow played when he was sick and stayed in the game after it was out of hand because he wanted personal recognition and his coach wants team recognition.If selfishness and greed are part of christianity is it really good enoughfor anyone to follow?This past week there has been a lot of attention brought to the civility of Americans.
West's interuption of Ms Swift's acceptance speech and of course Representative Wilson's "You Lie" moment during Pres. Obama's speech.Or the three of these I would give a pass to Ms Williams as she was on a field of competiton and let her emotions get the better of her.
By her own admition she made a mistake and seems to be honestly remorseful.It is unclear if what Mr.
If it was a stunt, well It was still in bad taste and if it was not a stunt then it was just plane rude.Certainly this man is entitled to his opinion and he should be allowed to voice that opinion. Wilson, I understand that politics are a nasty business but they do have rules of decorem that are to be strictly adhered to. We all have to interact with one another and I think our world would be a better place if we all tried to remember the Golden Rule. Let us all do unto others as we would have them do unto us.As so many people have had tough times recently I have been in a bit of a funk.
One thing that keeps me going is remembering what someone told me years ago and that is that all things will pass.
As we go through good times we should remember that this too shall pass and as we go through the tough times we must remember that good times are on the other side of these problems.I think that the good times are getting closer for me personally and for the country in general.
His cancer treatments were making him very ill so the Doctors stopped the Chemo but conitued the full Radation regimen. I think they areoptimisticabout the coming surgery to remove all of the cancer.I do not understand these people that think our current healthcare system is just fine and does not need overhauled. Perhaps they can make it a little less broke.The cost of my parent's healthcare is a signifcant percentage of their retirement income and a few years back when I had to have my gall bladder removed my bills forced me into bankruptcy.
Our current system does nothing but benefit big healthcare companies at the expense of the American population.
I don't know what the answers are as a matter of fact I probably don't even know what the questions are. I do know that we are the wealthiest nation the world has ever seen and for any member of our society to suffer because of the greed of others is simply unacceptable. If a chain is only as strong as its weekest link isn't also a society only as healthy as its sickest citizen?The indivdual health of each Americanaffects us all.
The healthier each indivdual is the healthier our society is, isn't it?I have heard of cancer clusters before but I never thought I would be the cause of one.My father is just finishingfour weeks of chemo and radiationand getting ready for surgery to remove the rest of his tumor and thishas been very trying for him and the rest of us in the family as well. In about two weeks I havetostart a job for anothercouple and he has cancer.I cannot remember the last time I knew someone that was undergoing cancer treatments, now I know four. Obviously, I understand it is so much more difficult for them but it wears on me night and day.I like to help people and I like to make people feel good.
I get to the end of the job and all of the sudden he has a problem, I'm insulted.This was a job that I sub-contracted from someone else andI guess there was a communication breakdown which caused the problem, so I guess I learned another lesson. I am finished sub-contracting work from another painter.So last Friday I was on my way home from work and it was pouring down rain. I felt as though I was driving a little too fast so I slowed down to about 45 MPHbut it was not enough I hit a flooded out piece of road and started to hydroplane. The vehicle went off the road and into the wet grass, the saturated ground sucked me in and I lost control of the wheel and then my truck flipped over.My first thought was, "this is gonna hurt". My second thought, as I hung there by my seatbelt,was, " how in the hell am I gonna get outta here".Someone knocked on my window to let me know that they called 911 and I told him I was OK and I never saw him again. I eventually figured out how to get out and as I emerged from my truck I saw the Sherriff's Deputy walk up to me.I was able to find my wallet and cell phone and as I sat in the back of the police cruiser I called my Dad. I felt like such an ass putting this extra pressure on my Dad right now, he just doesn't need this.
After being picked up and being taken back to my parent's house my Dad gave me some dry clothes and I went into the bathroom to put them on and it hit me for the first time, I could have died and I broke down in tears. It is a chance for him to make alittle money but more importantly it is a great opportunity for me to teach him to stay in school. As hesets out on his vision quest his passions and prejudices will shape a life for him that only he can know if it is right. I only hope he doesnot disappoint himself.I went to a small little get together last night and I met some very nice people. Several things happened that made me think.One of the first things I noticed was the racial make-up and dispersement of the people.
I did not make a count but there was about equal numbers of black and white people present and as usual the party split with two groups.
One group was predominantly white and the other black.I had only met one person that was there so I cannot attest to the racial beliefs of the party goers but everyone seemed very polite and I sensed no racism of any sort. As a matter of fact everyone seemed to be very cordial to the people of opposite race.I do believe that most people simply feel more comfortable around people like themselves. We all grew up learning certain behaviors that are common to our race and different from others. When we have a choice most of us will go with the people with similiar cultural concepts.One thing I heard that I never thought of before, and now wonder why I did not was, "I do not judge people based on the color of their skin".
This past week it came to my attention that getting de-baptized has become popular in America. If an adult decides to join a religion and wants to get baptized well more power to them, however, when baptism is forced upon infants or immature children I do not see the purpose. What does the child receiving the sacrament get but more importantly what do the adults get out of forcing their beliefs on someone that cannot make a conscious decision to join them.?The Universal Church of Freedom, Acceptance and Love will definitely be setting up a sacrament of de-baptizing for those that felt as though they were originally baptized against their will. I was in grade school when my parents decided to become members of The Lutheran Church I was baptized soon after.
I was to young to understand it and looking back I started questioning the christian religion even then. I also remember not repeating everything that I was supposed to.On the other end of this is the thought that perhaps we should have a sacrament for those that now want to consciously join our religion.
I have come to accept death as a condition of life and I understand that my father will die some day, hopefully not yet,so that is not the difficult part.My father is one of the toughest men I have ever known and I have never seen anything beat him. Am I man enough to do what needs to be done and help the other members of my family get through this? There are many things that I need my father to tell me so that we as a family will be prepared for life without him but how can I ask him now?
I do not want to be even the least bit negative in my thinking but our business and my mother's future depends upon me knowing these answers.
I do not know the percentages or the doctors prognosis for survival so my hopes are of only the best outcome. Quite honestly I do not handle death very well so it would be best for me if I was the next member of my family to pass away, not that I have any plans for this.
My parents have given me so much and it has never been in doubt that I would be there for them but now that this time is coming can I step up and carry the load that my father has been carrying since his father died almost thirty years ago? If two consenting adults chose to have sex after exchanging money it does not affect anyone but those two people.People that are againstprostitution probably need to get laid. If you have been paying attention to the news and recent events it should be clearthat our lawmakers are not even moral by their own standards.
The party of family values, the GOP, has been headlining the news with sex scandals on a regular basis.
It might not be money, it might be dinner and a movie or it might be agreeing to do something around the house or it might be having to share emotions. Besides you are not actually paying for the sex, you are actually paying for her to leave when the sex is over.Sex is sex it does not matter who does it our what agreements are made before doing it, it is sex. Sex is fun and sex is not damaging to anyone if it is done between two or more consenting adults. If more people did it less people would be so uptight about it.I hope the everyone had a great 4th of July. I am not usually the type to make a big deal about holidays but July 4th is all about FREEDOM. Our founding fathers came together and and decided that they did not need to take it anymore. If they were alive today they would probably be in prison.I am not suggesting that thesegreat men of yesterday should be held to the standards of today but if they could not change those attitudes they would be in big trouble. I cannot imagine what George Washington would say about being told to wear a seatbelt to protect himself or Thomas Jefferson being told he couldsexually harrasss his employees.We have some pretty good evidence that the founding fathers were pretty much drunk most of the time and probably smoked hemp as well.
Yourmight not think that your vote will count but if you are not registered then you do not even have a voice.


You haveoptions other than Democrat and Republican, personally I am an Independent and I vote. I e-mail myrepresentatives eventhough I am sure they do not actually read the e-mail, I send, I know someone does and if I write enough and I am eloquent enough my voice will be heard and my feelings will be passed up the chain, yours will also.Ain't none of us getting out of this world alive.
I never wish death upon anyone and would never rejoice at the death of another but I shall not lose a moments sleep ever this man's death.
I do not know if he molested a child but I do know he did things that he should not have done. He did things that harmed children.I do not now nor will I ever understand fans that act as though they just lost a family member when acelebrity dies. Iremember being shocked when Elvis died and saddened when John Wayne died and when Dale Earnhardt died I was stunned but come on. How can the death of a person that I never knew be equated to this?One person that I mourned deeply that was not a family memeber was one of my college professors, a great man named Dr.
I played football in college so we were there before school started and in the first couple of days all of the freshman sort of made fun of Dr. The upper classmen soon set us straight and made it known to us that this was a man to be honored. I was surprised when he wished me good morning and called me by my name, we had never been introduced.
As I learned later this man memorized the names and photo's of every incoming freshman and that is how he knew my name. This act touched my sole in a way that I never thought could happen and when I learned of Dr.
Kenney's death I knew that this world would never be the same without him.As I write this I have tears streaming down my face as I remeber a man that so few people knew but he impacted this world more than all of the celebrities put together ever will. Being as I am a painter I work outside in all kinds of weather and I just cannot understand how others act in uncomfortable weather conditions.Yes it is hot and yes it is uncomfortable but some people act as though it is actually painful. A couple of weeks ago when I went to my son's graduation I was one of the few men dressed appropriately in a sport jacket and tie. I saw people dressed in shorts and t-shirts that were sweating just as much as I was and looked just as uncomfortable as I was so what exactly was their point?In this record setting heat I have no air conditioner. It is only a $15.00 part and should only take a couple minutes to change, I just don't care enough about it to do it. I think most Americans are really becoming pussies.I don't like the cold weather but heat I get used to. I grew up in Ohio and I have shoveled snow in bitter cold with wind chills well below zero.
Sure you can put on more layers of clothing but you can only put on so many pairs of socks and only one pair of gloves and your face is usually unprotected. My family and friends tell me that these women are destroying my life and I need to leave them but it is not them, it is me.They do not destroy my life, I do.
I will admit that my selection of women is not all that good but I cannot ever seem to make a relationship work.
I work too hard and flirt too much and I am too strong willed,my relationships suffer.I have become happy with who I am eventhough I cannot seem to find a person that wants to share my life for very long. From time to time I do get lonely but I do not mind being alone.This past week a small kitten showed up at my house. It does not want to be picked up but it is getting to be more comfortable with me, I can pet it when I feed it. My new cat is starting to trust me and this gives me hope.Some day I will get another chance. Somewhere there is a person that be will becomfortable with me and learn to trust me eventhough I am who I am.Last week my niece graduated from high school and this week my son will as well.
I can recall that i had so much potential to make something of my life and make a difference in the world.I do not know if I will ever reach the potential I once had but I believe I am happy with my life. As far as making a difference, with the number of people that visit this site and read my thoughts, I must be touching someone. As I have said so many times I am not trying to make anyone believe the things I believe, I just want people to honestly think about what they believe.For all of the young people graduating from high school and college around the country my best wishes go out to you all. He has been terrorized for years because he is one of few doctors in America that performs late term abortions.
The radical right finally got rid of him.Why do anti abortionists call themselves "pro life"? A person is not"pro life" when they are in favor of murder and killing as ways to solve problems. Only a person of very limited intelligence is unable to find another way of solving problems other than resorting to violence.It is a dream of mine that no woman ever need to abort her fetus, but I understandthat some times it is needed and all women should be able to have that option.
I do understand that a society does need these options that are"anti life" but we need to do our best to limit the usage of these methods.I went to Hulover Beach for Memorial Day and a little something happened that reminded me why I started this website. I was lying on the beach doing my crossword puzzle and minding my own business when all of a sudden some lady started yelling at me.Haulover's clothing optional section is clearly marked so if she was surprised that I was naked it was her own fault. She did have some small children with her so I can understand that she would not want these children to be playing close to naked people but all she had to do was move down the beach and the problem would have been solved. She insisted upon being belligerent and making a scene and calling us sick and perverts.I can handle being called a pervert by ignorant people but this kind of an attitude upsets me. Had she not said anything and just moved down the beach tthe children would have thought nothing of it. I guess there are a lot of people that think we should be ashamed of our bodies but these people have issues that they need to deal with.I am not as young as I once was and my once athletic figure is not as nice as it used to be but I am not ashamed of my body and neither should anyone else.
Today too many drivers are under the immpression that they are the only ones that matter or the only ones on the road.
I will never understand why people drive in the left hand lane of the freeway when they will not even come within 10 mph of the speed limit. They just continue straight ahead like a moving pylon oblivious to the hazards they cause.Cell phones are one thing that can cause some really bad driving and I don't know why.
I have a cell phone and I talk on it while I drive but I make sure that the driving is the most important part of my life at that momment. If a person can drive and talk to passengers in the vehicle than we should be able to talk to someone on the phone.I cannot understand why anyone would ever try to text while driving and yet I see this quite often. She had a bumper sticker that reminded people to not drink amd drive and she proceeded to drive off the side of the road and almost wrecked in front of me trying to get straightened out. She turned down the same street I was turning on and she continued driving like a fool so I blew my horn at her.
She used one finger to wave at me and then I noticed she also had a license plate that had "In God We Trust" on it. If you do not love your mother, I hope the two of you can resolve your differences.I am not a big fan of doing something nice for someone just because it is a holiday. If the people in your life do not know that you love them based upon the things you do all year long, one or two days a year won't make a difference. I never make a big deal out of mothers day or birthdays or any other particular day, I try to show that I care every day.I have known people that make a big deal out of showing how much they love their families on special occassions.
I am pretty damned sure the people close to me know that I love them but that won't stop me from doing those little things that prove it.
Was this minister more interested in his parishoners salvation or the amount of money collected in that plate?A few years later I was living in Alabama and I would go to church occasionally with my girlfriend and her mother.
One dayI overheard a discussion about how the minister wanted my girlfriends mother to contribute more money to the church. This old widow lady lived on a very small social security income and I got more than just a little upset.I told her that she has given enough to the church through the years and now it is her turn to receive. She made a comment about god providing and I brought up the fact that Ken provided her groceries the week before.
Within a few weeks I moved back to Ohio.Recently I was at my parents house and I noticed an envelope on the counter. It had the name of my parents church on it and it had a place to fill in an amount and a place for their name. If people want to give to a church that is fine but I believe it should be doneanonymously.What right does a church have to shame and intimidate people into donating money? People will give what they can afford and what they feel is appropriate and anyone that needs to use strong arm tactics to force people to give more are no better than an extortionist.A few years back I was supposed to paint a house for a couple but about one week from the date they called me and told me that due to family problems they would have to cancel. When I first met the Smiths Mrs.Smith was an attractive woman with a very friendly personallity. I soon realized that though this vibrant lady was going through a battle for her life she lost her hair but not her friendly personallity.From time to time as I face troubles in my own life I call on my memories of the Smiths and how they dealt with problems far worse than anything I might have been going through.
I was searching online for some information on a radio personality that I listen to and as Iread about this person I learned some things about another person on the same radio program.I have never metthis other person but on air she is a very bubbly person. Her on air persona is that of an "airhead" but from exchanging e-mails with her I came to find out sheis much smarter than she acts on air. As a matter of fact the other members of the show often discuss how she is always happy and upbeat.Some people in this world get dealt badcards and decide to fold their hand, some people play the hand they are dealt and winthe game.
I have found a new source of inspirationand another reason to keep playing the game of life.Last week I heard sports storyabout NBA great Isiah Thomas taking a job at a Florida University and donating his salary back to the school. Thomas is a very wealthy man and he is still being paid by the New York Knicks so it is not a monetary sacrifice butwith the amount of work requiredto be a college coach it is a lot of work to do for free.I heard Mr. Thomas make a statement that this is something he feels he needs to do because when he was young he took advantage of youthprogramsthat required charitable donations from others. Thomas has gotten a lot of bad press the last couple of years but thislittle bit of good sure helps make up for a whole lot of bad.
It makes me wonder why more wealthy people cannot give more than just money as a form of charity. Thomas has a chance to touch lives and make a difference and he is asking nothing in return.Often times I have found myself in situations where I stop to help someone.
I am not a mechanic but I can help people with flat tires, dead batteries and simple things.
Most of the time when I am done helping out the person offers me payment and I always say thesame thing, "One day awhile back someone gave me a favor and today I am giving that favor to you. The only thing Iask in return is that some day you give this favor to someone else that needs it."Wouldn't the World be a better place if people stopped thinking money is the most important thing? Wouldn't it be nice if people just helped out because it was the right thing to do and not because there was something in it for them?
I don't do nice things for people fopr money and I don't do nice things because I am trying to buy my way into Heaven.
Greed is much like pornography in that it is hard to define but we all know it when we see it.
Of course we all have different visions, don't we?It seems to me our greed is destroying us, The cause of the world's financial meltdown is none other than greed. Greed of Wall Street, Greed of Banks, Greed of Speculators, Greed from our Politiciansand the list goes on. People at the helm once told the rest of us no, you cannot afford this but lately due to their own greed they started showing us how we could get it eventhough we cold not afford it.The collapse of the housing market was in a large part due to the Greed of Realators and Home Builders. For generations the industry stayed clear of Speculators because they knoew it would cause long term problems eventhough they would make short term profits. Our Banking system has collapsed due toour elected officials taking money from banks toremove regulation from the finacial industry. Thelarge banks were the largest owners of oil in America and then when the banks went broke what happened to the price of oil? There is no way possible one man did this.This scam was so large there had to be many, many people involved.
If investors had not been so driven by their desire to make money with no effort they would have asked questions and they would have seen the red flags.Desire to make money and have nice things is notGreed. Taking advantage of situations and people to achieve results that benefit a few while harming the masses is just wrong.



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