septet governable: July 2012

Friday, July 27, 2012

WellPoint cuts outlook as 2Q profit falls 8.3 pct

INDIANAPOLIS (AP) ? WellPoint Inc., the nation's second-largest health insurer, surprised Wall Street on Wednesday by cutting its 2012 forecast and reporting second-quarter earnings that both fell and missed expectations.

Investors then sent the Indianapolis company's stock price on its biggest one-day plunge in more than three years.

The insurer said it lowered earnings expectations after enduring a rough month of May and seeing enrollment slip. That fall was largely due to job cuts, which reduce the number of people covered by employer-sponsored health insurance.

"We're not seeing the economy improve, and it continues to be sluggish," Chief Financial Officer Wayne DeVeydt said.

Medical costs came in about $50 million higher than WellPoint expected in May, as more people visited the doctor and then were referred to additional outpatient care, DeVeydt said. Growth in medical costs returned to expected levels in June, but WellPoint decided it was prudent to lower its forecast in case costs spike again later this year.

WellPoint now expects 2012 adjusted earnings, which exclude one-time items, to range between $7.30 and $7.40 per share. That's down from a previous forecast of $7.57 per share. It's also well below the $7.76 per share, on average, analysts surveyed by FactSet expected.

Citi analyst Carl McDonald said in a research note that UnitedHealth Group Inc., a WellPoint competitor, also had higher medical costs. But it still managed to raise its 2012 earnings forecast when it reported second-quarter results earlier this month.

"Time may be running out for WellPoint's management team," McDonald wrote. "Several large (share) holders were already frustrated by WellPoint, and this earnings report won't do much to improve the relationship."

In the second quarter, WellPoint earned $643.6 million, or $1.94 per share. That's down more than 8 percent from $701.6 million, or $1.89 per share, a year ago when the company had more shares outstanding. That marked the fifth-straight quarter in which WellPoint reported a drop in earnings compared to the previous year's quarter. Adjusted earnings were $2.04 per share.

Operating revenue, which excludes investment income and gains, climbed 2 percent to $15.17 billion. Conversely, membership fell 2 percent to 33.5 million people compared with last year's quarter.

The performance missed Wall Street expectations. Analysts had forecast, on average, earnings of $2.08 per share on $15.31 billion in revenue.

WellPoint shares dropped 12.1 percent, or $7.41, to close at $54.01 Wednesday, the stock's deepest one-day decline since January 2009, according to FactSet.

Shares of other major insurers like UnitedHealth and Aetna Inc. also sank more than 4 percent while broader trading indexes were mixed. WellPoint shares have now dropped more than 18 percent so far this year.

Chairwoman and CEO Angela Braly told analysts during a Wednesday conference call that WellPoint was disappointed that it had to lower its guidance. But she said the insurer's decision to invest in growth despite tough market conditions will pay off with a better future performance.

Earlier this month, WellPoint said it will spend about $4.46 billion to buy Amerigroup Corp., which runs Medicaid coverage in 13 states. Medicaid is the state-federal program that provides coverage for the needy and disabled. Insurers see lucrative growth opportunities in working with people who qualify for both Medicaid and the federally-funded Medicare program.

Last month, the insurer also completed its purchase of contact lens retailer 1-800 Contacts Inc., and it continues to expand a Medicare Advantage plan provider it acquired last year

DeVeydt, the CFO, said in an interview that the insurer could have cut down on its investments in order to meet its earnings forecast.

"But Angela made the difficult call of saying the future is more important," he said, referring to the CEO.

WellPoint trails only UnitedHealth in size. It runs Blue Cross Blue Shield plans in 14 states, including California, New York and Ohio.

Source: http://news.yahoo.com/wellpoint-cuts-outlook-2q-profit-falls-8-3-113753358--finance.html

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102: Communication Noise: Parental Communication ? MarlenLife's ...

Within looking at specific examples of how I would turn a moment of interaction/ communication with others, I can see how the positive and negative experiences that I have held toward people have been based upon whether the communication was suiting a particular preference/ ideal of a ?good time? or not.

The communication that goes on with our parents ?or the lack thereof ? defines one big chunk of our lives in relation to how we then perceive communication to be either a positive or a negative experience, which involves a set of factors that have to be clarified in order to see how much of our expression is actually tainted and conditioned by factors that go beyond a sheer compatibility aspect ? but involve familial, economic, social and cultural standards that are shaped according to ?how reality works? within this world system.

A point I?ll be walking is a particular way of communicating with my father with whom I spent less time with throughout my life in terms of engaging in conversations and having only specific moments/ events as patterns that repeated throughout our interaction when I was living with them at home.

Thus, within exposing the factors behind our communication the point is to see how the way we define a person in our reality is based on the bonds that are formed with them according to, in this case, familial bonds wherein the financial aspect of support is/ was dependent on.

Self Forgiveness

I forgive myself that I have accepted and allowed myself to associate the communication with my father in the car as usual/ routinely and filled with complains, wherein I know that he will agree with me because of him being similar to myself which is how I have defined communication according to a format-like questionnaire based on survival-questions that lead to short answers that ensure we simply communicate ?what?s necessary? and avoid talking anything out of the usual: money, weather, traffic, work and school.

I forgive myself that I have accepted and allowed myself to feel obliged to react positively to his question about me getting enough money to live throughout the week, which is how and why I would keep the communication in ?good stand? as this will ensure that I can continue getting his support as in being a ?good daughter? that is able to have a cordial relationship with their parents.

I forgive myself that I have accepted and allowed myself to react negatively toward him ?always asking the same questions? wherein I am only wanting to have things ?go my way? in communication, while being annoyed because of having to explain myself and answering the same questions over and over again, apparently, which wasn?t really so as I was really only making a big deal out of it in my mind as unnecessary friction and conflict by sticking to the same pattern I would complain about, without realizing that I am in fact able and capable of stepping out of the usual script and establish a real point of communication with another, regardless of ?who they are? in my world.

I forgive myself that I have accepted and allowed myself to initiate communication with my father based on experiencing a sense of tension and discomfort within myself, which is how I have compromised my communication toward others wherein I place them as certain characters that I depend on to survive and as such, I act according to how I have judged the characters as a ?necessity? in my reality ? which is how I created my own barriers to ever communicate with my father/ parents based on an equal and one relationship, as I always saw them as the ?authority? that I had to respect and keep a ?good standard? toward, just like a credit account relationship: you keep your account in ?good standing? in order to be able to get more credit/ be trust worthy in order to continue surviving in our world and reality.

I forgive myself that I have accepted and allowed myself to create this point of compromise within myself which adds up to all the relationships in our world that are based on self-interest and in sustaining the same world-system wherein because of money and the relationships that are required in order to survive- in this case family-structure ? we compromise each other to deceive and manipulate in order to continue being supported and ?secured? in a world wherein that which is required to live is not given unconditionally.

I forgive myself that I have accepted and allowed myself to get uncomfortable within remaining silent when being with another being in a car, which I have associated this with previous experiences wherein I would fear ending up in silence due to experiencing the same discomfort about it.

I forgive myself that I have accepted and allowed myself to believe that because we remained in silence I had to keep up a conversation out of fear of having ?nothing to say? and that I would be judged for having ?nothing to say,? which was only a belief and perception as I in fact am able to establish a point of communication openly once that I start seeing ?my parent?s as human beings that are able to communicate out of the format-like bounds of father/ mother characterization.

I forgive myself that I have accepted and allowed myself to go into self judgment because of wishing I could have done something out of the routine to tell to another in means of creating a point of conversation, which is essentially a point of compromise out of fear of being seemingly ?detached? from the family/ not caring about them and as such, losing my father?s support to live.

I forgive myself that I have accepted and allowed myself to use music as a positive solution in ?tense situations? wherein my decision to enjoy it or not would be based on whether I was feeling compromised in the moment or not in a moment of communication that I perceive being staged and ?format like? from the get go.

I forgive myself that I have accepted and allowed myself to base an entire moment in my reality based on whether I was liking a particular type of music in order to define ?who I will be? within the communication according to whether I wanted to be complacent/ talkative or not ? within this I realize how I would place conditions as to ?who I am? according to my own interests and suiting the moment to benefit me at all times.

I forgive myself that I have accepted and allowed myself to associate ?formal communication? as politeness that I was ?forced to? instead of it being my actual decision to interact with visitors at home, wherein I would immediately react with discomfort when being called out to interact with others, without realizing that in fact it was fear of being later on scolded if I didn?t comply to my mother?s desires.

I forgive myself that I accepted and allowed myself to create a grudge toward my mother for ?having forced me to do things,? without realizing that the moment that I accepted fear as a motivation to do so, I complied to her will and as such became a victim in my mind based on how I feared making my mother angry = losing my mother?s support at home.

I forgive myself that I have accepted and allowed myself to judge the interaction with visitors as a negative experience based on my starting point for such interaction in the first place, wherein I went into a defense-mode just because of believing and perceiving that I was being ?dragged? into the communication without me in fact wanting and/ or being fully willing myself to interact with others unconditionally, but did it based on feeling obliged to, which is why and how I would create and project thoughts about others? experience toward the point of communication with myself.

I forgive myself that I have accepted and allowed myself to create a negative experience toward my mother whenever visitors would come home because of remembering how I was always forced to go downstairs and interact ?against my will,? without realizing that I simply complied to participate every time out of fear, out of not wanting to be scolded and/ or exposed in front of the visitors as this ?ranch person? that does not like communicating with others.

I forgive myself that I have accepted and allowed myself to then judge silence as a positive experience with my partners in the past based on the memory of how irritated and angry I would get when having to interact in ?forced communication? with others, without realizing that such enjoyment was a polarity experience to the past ? hence it wasn?t never really a positive experience, but only a counter part to a negative experience I?ve had in the past with my family members.

I forgive myself that I accepted and allowed myself for having chosen partners that were deliberately the type of opposite ?stereotypes? from the people that I knew my mother wanted me to end up with in a relationship, which became a spiteful pattern that had to be played out in secret, just because of how my mother would disapprove from the partners I had, which was both a negative experience for having to be hiding ? a positive experience based on how I would feel like I was finally ?rebelling? to the obliged experiences I went through with my mother, without realizing that I was then only acting and making decisions in spitefulness toward my mother and never in fact making an informed decision based on what is best for me to be and do within the consideration with whom it is best for me to establish a relationship with, without holding on the anti-stereotype of ideal partner in order to annoy my mother as I have realized how within wanting to spite my mother = I only ended up spiting myself.

I forgive myself that I accepted and allowed myself to deliberately play ?the silent one? when being out with my mother just because of knowing how she would always push me to communicate with people and enjoys talking, generally, which was who I was within the ?rebellious character? that held a huge grudge toward her because of not having ?approved? of the relationships I created in my life. Thus I became the ?rebel? just to prove her that I could do things ?my way? without requiring her permission, only later on realizing that because my starting point of such relationships was based on spitefulness = I ended up spiting myself.

I forgive myself that I have accepted and allowed myself to create a point of ?positive experience? whenever I was able to establish communication with my father in a silent manner, which means for example: being able to ride in the car listening to music that we both liked, which would ensure a positive silent experience without realizing that in such moment, I was only keeping things ?okay? in order for us to not go into further points of communication that could turn out more insidious in terms of actually getting to know each other and as such, lose the ground of the format like communication between father and daughter

I forgive myself that I have accepted and allowed myself to deliberately control a particular moment of interaction with another based on ?who they are? within my world as the character they represent in my reality, wherein I will then adjust, manipulate, shape and mold my expression in a way to ensure that my survival is not threatened, as I knew that if I presented myself as detached or even sharing myself too openly, I would have to take responsibility for my words and the consequences thereof.

Self Corrective Statements:

When and as I see myself deciding ?who I will be? in a point of communication according to who I perceive the other being to be as a particular character within my life/environment ? I stop and I breathe ? I realize that I am able to practically establish a point of communication to any other being based on common sense: the realization that we are human beings that live in the same world, facing the same consequences of our creation and as such, I see that communication in common sense as self support is the key to establish a point of awareness within myself and another of an actual way to interact and share that which is usually suppressed under shallow talk.

I commit myself to be and become the example of how communication can be established without holding any ?character? in place, but instead, establish a platform of self support for myself and another being regardless of ?who the being is? as I realize that the moment that I assess ?who? they are, limitations, barriers and obstacles are created in the mind according to what I have deemed as appropriate/ inappropriate to share with others. I establish myself as the point of unconditional expression in order to support myself and others to do the same and as such, practically change the way we interact with one another.

When and as I see myself manipulating my communication in order to get a positive experience and/ or remain in a ?good stand? toward the other person, I stop and I breathe ? I realize that I am able to in fact step out of the point of compromise through allowing myself to share and communicate openly, without fearing losing any form of support, as I realize that only a threat toward another could cause any form of conflict ? thus I realize that any fear that I had used in the past in order to not communicate with people in my family was only based on the ?fear? of ?who I am? toward them, which was manipulating, shaping and molding myself in order to not step out of character completely.

When and as I see myself deciding ?who I am? in a point of interaction with another based on wanting to be agreeable or distant in the moment to demonstrate my standing toward another being in that moment, I stop and I breathe ? I realize that the times that I remain quiet as self-suppression means that I am in fact not genuinely having ?nothing to say,? but that I am deliberately suppressing myself because of fear of exposing myself, fear of establishing communication with another ?out of the usual script,? which is how I had bound myself to remain as a locked-door at all times, simply because of believing that my very life would be ?at risk? if I would enable me to be open and sharing in an equal manner toward other beings.

When and as I see myself experiencing tension when remaining silent during a conversation, I stop and I breathe ? I realize that this is not real silence then, but self-suppressive silence that I can open up for myself in order to see how and why I have manipulated myself and within that realize that the point of correction is not to remain silent out of fear or deliberate self-suppression, but is instead direct myself to speak in the moment according to that which emerges in common sense from within me that I find it cool to share in/as self support.

When and as I see myself deliberately hiding to not face people in my environment in order to avoid communication, I stop and I breathe ? I realize that I have created such a resistance based on the idea, belief and perception that ?I must interact with them,? which is stemming from the memory of my mother asking me to do this when I was a child.

When and as I see myself feeling compelled to speak, I stop and I breathe ? I realize that this is a usual mechanism of self-manipulation wherein I am in fact not being self directive as in making the decision to live, but I am in fact only wanting to restrict myself to a certain type of communication with another from the starting point of reaction.

When and as I see myself being forced/ dragged along to communicate ? I stop and I breathe ? I realize that this is a mechanism wherein I am only manipulating myself to interact with others based on the belief that ?others made me do it,? as if I had not the voice and ability to decide who I am going to be communicating with and clearing the starting point of it at all times.

When and as I see myself categorizing silence as a form of communication based on having suppressed an actual point of expression in fear of ?getting out of character,? I stop and I breath, I realize that the point of enjoyment of such silence stems from us actually playing out the same ?silent character? wherein we only talk the necessary and prefer to ?be silent in our minds? instead of sharing our self-experience, our day today living circumstances, as I realize that communication is the key to get to know ourselves and others in order to become effective within all that we do.

When and as I see myself imprinting a particular character to my communication, such as being the ?daughter,? or being the ?rebellious? one, I stop and I breathe ? I realize that who we are as human beings are able to care for one another without having to play a character in someone?s mind in order to exist.

This is to realize how instead of having allowed myself to communicate myself unconditionally, I simply became pliable and manipulated myself in order to ensure that my survival ? in this case financial support by my father ? was not able to be disturbed/ damaged if I would establish a point of communication in equality, because of an underlying fear and limitation wherein I believed that I could not possibly communicate in equality with my father, because of having placed him as ?my authority? and as such, I had to tip toe around our communication, keeping it ?safe? in order to not create any ?unnecessary? friction or conflict, without realizing that in this I simply refrained myself from being able to establish a point of equality with my father which is in fact a possibility to establish once that I have directed myself to talk to both of them as equals, outside of the father/ mother relationship I had caged them into.

I realize how communication is limited and restricted by oneself whenever there are other interests and familial aspects existing as a character limitation that is defined according to how we have built our societal hierarchies between parents and children, wherein we bind ourselves to only see another person as a character in our own life-schemes instead of considering them as one and equal.

I see, realize and understand that we will be able to in fact communicate as equals when and as we realize that the family system only exists as another form of compromise and enslavement to keep a system of hierarchy in place ? therefore within establishing beings in an equal and one stance toward one another, we see that we are in fact able to become much more than just characters surviving each other in the old-familiar ways and instead, get to know ourselves as who we really are, as beings that are able to instead practically establish solutions for our accepted and allowed ?differences? and as such, become part of the new way of living on Earth.

Desteni Forum

Read our blogs at Journey to Life?

Equal Money System so that our relationships and communication won?t ever be tainted by a relationship of survival any longer.

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Source: http://marlenvargasdelrazo.wordpress.com/2012/07/25/102-communication-noise-parental-communication/

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Thursday, July 26, 2012

Open English Lands $43M From Insight, Redpoint To Bring Online Language Ed To Latin America

Open English, as its name might suggest, is an online learning platform that helps non-English speakers learn the language and speak fluently. After developing the foundation for Open English in his home country of Venezuela in 2006, Andres Moreno took his idea north to Florida, where he launched the program commercially in 2008. Since then, Open English has flourished. Today, the startup employs 1,000 people (40 of whom are in Miami), has offices across Central and South America, and serves 80,000 students in over 20 countries. Just as many American investors have started to turn their attention to Brazil, so too has Open English. Moreno sees big opportunity in Brazil, which is quickly becoming a global marketplace and is seeing demand for English-speaking talent rise dramatically. To expand its footprint in emerging markets in Brazil and South America, Open English today announced that it has taking on an impressive $43 million in venture funding.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/cKoMuUvgub8/

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Changing The Image Of AIDS

Photographer David Binder began documenting stories about AIDS in the late 1980s and became well known for humanizing the epidemic for various publications, including Life magazine and The Philadelphia Inquirer.

Over the course of 25 years, Binder has approached the subject from different angles: By spending time at Camp Sunburst, a program for families coping with AIDS; and with a former drug user turned activist, who started an underground needle-exchange program; and with a Playboy model struggling to live with the disease.

Binder's long-term documentation of Gail Farrow and her family deftly shattered reader's perception of the epidemic. Farrow, an African-American mother of four, contracted AIDS through a blood transfusion, defying the stereotype that only prostitutes, homosexuals and drug users were vulnerable to infection.

Calling My Children, Binder's documentary about Gail and her family, will be screened Wednesday night at the U.S. Capitol in conjunction with the International AIDS Conference. Watch the video to hear Binder's own words about this invaluable body of work.

Source: http://www.npr.org/blogs/pictureshow/2012/07/25/157368112/changing-the-image-of-aids?ft=1&f=1007

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Business activity in Mission Viejo

By mvlife on July 25, 2012

The following represents just a sampling of business news in the community.

Celebrating new Mission Viejo businesses
Five Guys Burgers and Fries is set to open Monday in the Alicia Towne Plaza at 24391 Alicia Parkway. This former bank building was transformed into a new 2,710-square-foot restaurant with an outdoor dining area. The menu offers made-to-order hamburgers, hot dogs and fries. For more information, visit? www.fiveguys.com.

Mission Viejo?s second new LA Fitness will open for business at 27741 Crown Valley in the Kaleidoscope Entertainment Center on Friday, August 3. The new 46,000-square-foot health club will feature group and personal fitness classes, state-of-the-art equipment, basketball courts, a spin room, lap pool, spa, sauna and Kids Klub. For membership information, visit the on-site sales office or www.lafitness.com.

The newly constructed 4,600-square-foot Chase Bank branch will open at 9:30 a.m. Aug. 7 at 25112 Marguerite Parkway with a ribbon cutting ceremony. This new business will create 11 new jobs, including a small business specialist. For more information, visit www.Chase.com.

Jos. A. Bank will open a 7,000-square-foot retail store on Friday, August 10 at 28331 Marguerite Parkway in the Mission Viejo Town Center.? This national men?s clothing retailer offers tailored and casual clothing, footwear and accessories.? Jos. A. Bank has grown to over 550 locations in the U.S. since the first store opened 107 years ago.? Call the store?s new number at 949-364-2673 for more information.

News from The Shops at Mission Viejo
The newest Sleep Number Store will open Friday, August 3 on the lower level of the Shops at Mission Viejo. The store specializes in individualized sleep comfort with adjustable mattresses. There are over 400 Sleep Number Stores nationwide. For more information, call 949-347-0705.

Children?s clothing store Hanna Andersson is now open on the lower level of The Shops at Mission Viejo, between Brighton Collectibles and True Religion. Hanna Andersson opened in 1983 and has grown to 40 stores nationwide. Through the Hanna Helps Program, a portion of every purchase is donated to support children in need. The program awards yearly grants to hundreds of schools and nonprofit groups serving children across the nation.

City wins Rose Award from OC Taxpayers Association
The City of Mission Viejo recently received a Rose Award from the OC Taxpayers Association. Rose Awards are given to individuals or organizations that have been friends to taxpayers in the previous year. Mission Viejo?s ?Improve Don?t Move? Program incentivized homeowners and businesses to build within the City by waiving and reducing building permit fees. The pilot program saved Mission Viejo residents and businesses over $500,000 during the last six months and it generated more than $23 million in economic activity. The pilot program included building permit fee waivers of 100% for residential projects, a 25% reduction in commercial permit fees and a waiver of the Certificate of Occupancy fee for business owners applying for a certificate with no tenant improvements. This program also offered amnesty for any residential or commercial renovation, which had been completed without permits, by waiving any accrued penalties during the past six months. This program was funded with a portion of the $1.8 million budget surplus from 2011.

Chamber of Commerce Officers
The Mission Viejo Chamber of Commerce Board of Directors recently selected officers for the next year. They include President Frank Priore of Jaguar Land Rover; President Elect Charlie Woodward of Aflac; Treasurer Wendi Coley of Coley Accountancy; and Secretary Scot Shier of Quintessential Financial. Congratulations and thank you to these local business leaders for their service. For more information, visit www.missionviejochamber.com or call 949-470-8409.

Posted in Business, Food, Health, News | Tagged chase, city of mission viejo, fitness, five guys, food, Hanna Andersson, health, jos. A. Bank, LA Fitness, Mission Viejo, mission viejo chamber of commerce, mission viejo information, mission viejo life, mission viejo news, mission viejo official blog, OC Taxpayers Association, sleep number |

Source: http://missionviejolife.org/2012/07/25/business-activity-in-mission-viejo/

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Wednesday, July 25, 2012

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Pets Teach Us So Much Radio & Podcast 57-Dog Friendly Wineries ...

Romp and play?and the peeps can taste wine!

What?s better than sipping some yummy wine? ?Making it dog-friendly! ?Liz Ozaist will be here from Vetstreet.com to tell us about her favorite dog-friendly wineries and how to find a dog-friendly winery near you!

Plus we have Pam Foster and C.S. Wurzberger, Authors of the book,?Wildly Profitable Marketing for the Pet Industry. ?They will be giving us insider secrets from their book regarding becoming a marketing sensation!

Oh yeah, mayhem, fun, laughter and lots of great news and info too!

Join us Thursday, July 26 at 6:30 PM EST to jump into live, http://www.blogtalkradio.com/tppctv, ?download anytime or listen to Pets Teach Us So Much via iTunes!

About Pam and C.S. Wurzburger from the book?s website:

About the authors:
Pam Foster and C S Wurzberger

Pam Foster

Pam Foster, owner of PetCopywriter.com and ContentClear.com, is a Certified SEO Copywriter, web marketing content consultant and teacher who specializes in helping pet-industry businesses get more traffic and sales online through smart content marketing strategies.

As a lifelong pet parent, Pam focuses on making a difference to all pet professionals. She works as a virtual team member with web professionals to launch websites, optimize existing sites, and help test email and landing page campaigns. Pam also has extensive print and direct response copywriting experience.

Pam is the co-founder of Pawzoola Publishing, a co-founder of PetIndustryTV.com, a columnist for Veterinary Advantage magazine, and a frequent presenter of marketing webinars and live workshops.

- ? - ? - ? - ? - ? - ? - -

CS Wurzberger

C S Wurzberger is an accomplished Internet and Ecological marketing strategist and conservationist with over 25 years of experience. Her businesses include ATripToTheZoo.com, ZooMarketingTools.com, ItsOurEarthToo.com, TheGreenUpGirl.com and others.

With a specialized focus on pet companies, zoos, aquariums, nature centers and wildlife conservations centers ? and their suppliers ? C S helps clients assess their current sustainability and marketing issues and map out strategies for success. She?s also the founder of The Greening Up Initiative? an action plan to reduce waste streams and costs while improving brand reputation and profits.

C S is an in-demand web educator for business organizations, national gift shows and educational institutions. She?s the co-founder of Pawzoola Publishing and is a co-founder of PetIndustryTV.com.

Short URL: http://www.tppc.tv/?p=6348

Source: http://www.tppc.tv/?p=6348

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FACT CHECK: Disability claims still growing at VA

President Barack Obama addresses the 113th National Convention of the Veterans of Foreign Wars in Reno, Nev. Monday, July 23, 2012.(AP Photo/Rich Pedroncelli)

President Barack Obama shakse hands with member of the Veterans of Foreign Wars after his speech before VFW's 113th National Convention in Reno, Nev., Monday, July 23, 2012.(AP Photo/Rich Pedroncelli)

WASHINGTON (AP) ? President Barack Obama paints an encouraging picture of the additional resources his administration has poured into helping veterans get disability benefits and mental health treatment. But he glosses over just how much those problems have grown during his time in office.

Obama spoke Monday to the Veterans of Foreign Wars. His Republican rival for the White House, former Massachusetts Gov. Mitt Romney, is set to address the same group Tuesday. A look at Obama's assertions about the Veterans Affairs Department's efforts and how they compare with the facts:

___

OBAMA: "We've hired thousands of claims processors. We're investing in paperless systems. To their credit, the dedicated folks at the VA are now completing 1 million claims a year, but there's been a tidal wave of new claims."

THE FACTS: Veterans can be eligible for help with conditions caused or aggravated by their military service. The government, however, has long struggled to keep up with the claims, and the backlog has grown worse during the president's term in office as soldiers return from Iraq and Afghanistan.

In May 2009, about 135,000 claims for disability benefits had been pending for more than 125 days, representing about one-third of all pending claims. Today, that number has more than quadrupled, to 558,000 claims ? about two-thirds of all those pending.

As Obama emphasized, the Veterans Affairs Department has processed more claims than ever in the past two years. In 2010, the VA completed a million claims but received about 1.2 million new ones. In 2011, the department again processed more than 1 million claims, but about 1.3 million new claims came in.

The department's independent inspector general has said the VA made the problem worse by not assigning enough staff to process appeals and not following its own guidelines in processing older claims.

For example, when investigators reviewed the claims processed at three offices in California, they found that division managers did not conduct monthly reviews of those claims pending for more than a year ? a violation of policy that led to unnecessary delays.

In recent congressional hearings, lawmakers from both parties have voiced frustration with the VA's inability to cut into the backlog despite the additional resources allotted to the task. Obama noted that the VA has redeployed 1,200 claims experts to target and tackle the most complex claims in the backlog. It's also moving to a paperless system.

___

OBAMA: "We've also focused on the urgent needs of our veterans with PTSD. We've poured tremendous resources into this fight."

THE FACTS: Obama correctly noted that the administration has increased its investment in helping veterans deal with the mental wounds of war, particularly post-traumatic stress disorder. Staffing for counselors, psychologists and mental health workers is up 45 percent since 2005, with the department recently announcing that about 1,900 more mental health workers were being added to the fold.

But there too investigators found that the VA routinely did not follow its own guidelines in treating patients seeking mental health treatment. The department had claimed that 95 percent of new patients seeking mental health treatment got a full evaluation within the department's goal of 14 days. But the independent investigators found performance was far worse; nearly half of the veterans seeking mental health care for the first time waited about 50 days before getting a full evaluation.

Investigators explained the conflicting numbers by stating that the VA did not have a reliable and accurate method of determining whether patients were getting timely access to mental health care. They said the VA's measure "had no real value."

Obama called it an outrage when he hears about service members and veterans who died waiting for help. "We've got to do better," he said. "This has to be all hands on deck."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-07-24-Veterans-Fact%20Check/id-82dceb8b074b4493af6d6eca059bb2b1

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#Suspicious: Romney sees sudden unexplained spike in Twitter followers

[ [ [['Connery is an experienced stuntman', 2]], 'http://yhoo.it/KeQd0p', '[Slideshow: See photos taken on the way down]', ' ', '630', ' ', ' ', ], [ [['Connery is an experienced stuntman', 7]], ' http://yhoo.it/KpUoHO', '[Slideshow: Death-defying daredevils]', ' ', '630', ' ', ' ', ], [ [['know that we have confidence in', 3]], 'http://yhoo.it/LqYjAX ', '[Related: The Secret Service guide to Cartagena]', ' ', '630', ' ', ' ', ], [ [['We picked up this other dog and', 5]], 'http://yhoo.it/JUSxvi', '[Related: 8 common dog fears, how to calm them]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 5]], 'http://bit.ly/JnoJYN', '[Related: Did WH share raid details with filmmakers?]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 3]], 'http://bit.ly/KoKiqJ', '[Factbox: AQAP, al-Qaeda in Yemen]', ' ', '630', ' ', ' ', ], [ [['have my contacts on or glasses', 3]], 'http://abcn.ws/KTE5AZ', '[Related: Should the murder charge be dropped?]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 5]], 'http://yhoo.it/JD7nlD', '[Related: Bristol Palin reality show debuts June 19]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 1]], 'http://bit.ly/JRPFRO', '[Related: McCain adviser who vetted Palin weighs in on VP race]', ' ', '630', ' ', ' ', ], [ [['A JetBlue flight from New York to Las Vegas', 3]], 'http://yhoo.it/GV9zpj', '[Related: View photos of the JetBlue plane in Amarillo]', ' ', '630', ' ', ' ', ], [ [['the 28-year-old neighborhood watchman who shot and killed', 15]], 'http://news.yahoo.com/photos/white-house-stays-out-of-teen-s-killing-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120411/martinzimmermen.jpg', '630', ' ', 'AP', ], [ [['He was in shock and still strapped to his seat', 6]], 'http://news.yahoo.com/photos/navy-jet-crashes-in-virginia-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120406/jet_ap.jpg', '630', ' ', 'AP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

[ [ [['did not go as far his colleague', 8]], '29438204', '0' ], [ [[' the 28-year-old neighborhood watchman who shot and killed', 4]], '28924649', '0' ], [ [['because I know God protects me', 14], ['Brian Snow was at a nearby credit union', 5]], '28811216', '0' ], [ [['The state news agency RIA-Novosti quoted Rosaviatsiya', 6]], '28805461', '0' ], [ [['measure all but certain to fail in the face of bipartisan', 4]], '28771014', '0' ], [ [['matter what you do in this case', 5]], '28759848', '0' ], [ [['presume laws are constitutional', 7]], '28747556', '0' ], [ [['has destroyed 15 to 25 houses', 7]], '28744868', '0' ], [ [['short answer is yes', 7]], '28746030', '0' ], [ [['opportunity to tell the real story', 7]], '28731764', '0' ], [ [['entirely respectable way to put off the searing constitutional controversy', 7]], '28723797', '0' ], [ [['point of my campaign is that big ideas matter', 9]], '28712293', '0' ], [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]

Source: http://news.yahoo.com/mitt-romney-sees-sudden-unexplained-spike-twitter-followers-231505099.html

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Tuesday, July 24, 2012

Adaptivity Pro Announces New Directory Website | DSL Buddy

Adaptivity Pro Launches VoipPhoneNow.com for those searching for VoIP providers.

Salt Lake City, UT (PRWEB) July 23, 2012

Adaptivity Pro is proud to announce the launch of its new website, VoIP Directory. This site specializes in indexing companies that focus on Voice over Internet Protocol (VoIP) services. The site is intended to be beneficial to companies large and small in assisting them in locating VoIP service providers that offer the communication services the company is in need of.

Now instead of companies endlessly searching the web for all the information they need forVoice over Internet Protocol (VoIP) providers, VoIP Directory is designed to be a single source directory. VoIP Directory has compiled a thorough and detailed list of companies by state allowing consumers to make an informed decision about who to choose as their communications provider. This will save businesses time and money by letting them view each company and learn about the services it offers.

Many of the sites listed in the VoIP Directory offer detailed information about things like how long the VoIP provider has been in business, what types of services they offer and the cost benefits of switching to VoIP services.

This VoIP Directory also highlights a variety of VoIP providers individually by state, with a featured, ?Top Rated VoIP Services? page. Searchers can use a number of easy reference tools to locate the VoIP provider their company needs. The site highlights those VoIP companies that specialize in offering residential VoIP services, as opposed to business VoIP providers and gives a list of the services each company offers, as well as whether they specialize in a particular industry.

Eric Morgan, Owner of Adaptivity Pro had this to say, ?We?re excited about the new website and directory and we believe it will offer value to business owners all over America. The VoIP Directory will now make it easy for any business to find just the right VoIP service provider.?

Jive Communications is one of the highest rated business VOIP provider. They provide Enterprise and small business communication systems to companies across the U.S. Hosted VoIP services have proven to give business owners many exceptional calling services like call routing, call forwarding, unified messaging, call recording, virtual extensions, and music on hold at much lower prices. Even those smaller businesses can afford advanced features that make their company look and feel like it?s much larger.

###

About Adaptivity Pro

Adaptivity Pro offers professional Utah SEO services that help businesses rank higher with search engines. They also build high end web sites and offer a number of internet marketing services. As a number one UT web design firm, Adaptivity Pro lets you choose the level of service that best suits your business needs.

For more information, visit: http://www.adaptivitypro.com/

Kenzie Comstock
Adaptivity Pro
801-512-2006
Email Information

Article source: http://news.yahoo.com/adaptivity-pro-announces-directory-website-070350499.html

Source: http://www.dslbuddy.net/adaptivity-pro-announces-new-directory-website/

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Monday, July 23, 2012

Better Homes & Gardens: Summer Home Improvement Sweepstakes

Enter the Summer Home Improvement Sweepstakes from Better Homes & Gardens for your chance to win one of six $500 Do It Yourself Home Improvement Gift Cards!

Eligibility :

This Sweepstakes is open to legal residents of the 50 United States and the District of Columbia, 21 years of age or older.

Sweepstakes Promotion Period :

The Summer Home Improvement Sweepstakes ("Sweepstakes") begins 12:01 a.m. Central Time ("CT") on 07/11/12 and ends at 11:59 p.m. CT on 8/22/12 ("Sweepstakes Period").

Limit :

One (1) entry per person and per email address, per day throughout the Sweepstakes Period.

Prize(s) :

PRIZES (6): A $500 Do It Yourself Home Improvement Gift Card that may be used at participating home improvement retailers. For a full list of participating retailers, visit https://www.homeimprovementgiftcard.com/retailers.html. Total ARV of all prizes: $3,000.

Summer Home Improvement Sweepstakes Entry Form

Summer Home Improvement Sweepstakes Official Rules

Source: http://sweepstakeshunter.blogspot.com/2012/07/better-homes-gardens-summer-home.html

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Germany: Confident in Spain's economic recovery

BERLIN (AP) ? German Finance Minister Wolfgang Schaeuble says he doesn't fear Spain's path will follow that of Greece following an agreement to provide Madrid with up to ?100 billion in eurozone loans.

Schaeuble was quoted in Bild newspaper Monday as saying the Spanish situation is totally different than that of Greece, which has so far been unable to fulfill the conditions set for receiving two bailouts totaling ?240 billion.

Schaeuble says "the causes of the crises in the two countries are totally different."

"Spain's economy is much more powerful and has a different structure ? the country will be back on track soon."

He wouldn't say if he thought Greece may abandon the euro currency if so-called "troika" of international debt inspectors came up with a negative report this week.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-07-23-Germany-Financial%20Crisis/id-63103dc704014ad3a3d4c7b7582b9e99

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Video: President Obama visits Colorado hospital

Dateline NBC

'Dateline NBC,' the signature broadcast for NBC News in primetime, premiered in 1992. Since then, it has been pioneering a new approach to primetime news programming. The multi-night franchise, supplemented by frequent specials, allows NBC to consistently and comprehensively present the highest-quality reporting, investigative features, breaking news coverage and newsmaker profiles.

Source: http://www.msnbc.msn.com/id/3032600/vp/48280371#48280371

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Rena Ware International - Empower Network

By Alex On July 21, 2012 Under MLM companies

Rena Ware International Review | Internet Marketing Secrets Finally Exposed

Plan C: Your Recession-Proof Path To Financial Freedom
$14.97

This Special Edition highlights Mannatech, Inc with forewords by both it?s founder Sam Caster and Executive Vice-President Al Bala. Traditional jobs are in jeopardy. Do you have a Plan C? Plan A may be the job you had that is now gone or the job you still have that doesn?t offer the security or satisfaction you deserve. Plan B is the job you hope to find in a different company in the same or s?

No related posts.

Source: http://alexzubarev.com/rena-ware-international-2/?utm_source=rss&utm_medium=rss&utm_campaign=rena-ware-international-2

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Friday, July 20, 2012

The Sims 3 Pets PS3/Xbox 360: Dog Breeds Limited Edition Content

breeds of dog Exclusive limited edition content breeds for PS3/Xbox 360

Bone Mastiff, Bones, Data Pointer, Data Pup, Iron Terrier, Mabari War Hound, Mabari War Terrier, Panda Chow, Panda Pom, Robo Dane, Tiger Chi, Tiger Huskey

4:03 ? Click for exclusive cat breeds

http://forum.thesims3.com/jforum/posts/list/394068.page

Q: I?ve heard about 10 extra breeds of pets; do those only come with the Limited Edition as well?
A: The ten extra breeds are featured in the console version of The Sims 3 Pets; they are not available in the PC expansion pack.

Duration : 0:4:33

Technorati Tags: 10, 360, all, arts, BREEDS, cat, code, console, content, create, dlc, Dog, downloadable, ea, edition, electronic, exclusive, game, gameplay, life, limited, list, menu, panda, pet, pets, play, playstation3, ps3, redeem, series, sim, sims, simulation, skunk, the, tiger, version, xbox

Source: http://www.rant-central.com/breeds-of-dog/the-sims-3-pets-ps3xbox-360-dog-breeds-limited-edition-content

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A crisis veiled in public spectacle

Over the course of three odd decades, billions of dollars were lent to people who shouldn?t have been allowed to borrow lunch money. And now, there are losses in the trillions. The real question is, will the market finally be allowed to correct itself?

By Bill Bonner,?Guest blogger / July 18, 2012

Paul Thurston, chief executive of Retail Banking and Wealth Management HSBC Holdings plc, reviews documents while testifying before the permanent Subcommittee on Investigations hearing, "US Vulnerabilities to Money Laundering, Drugs, and Terrorist Financing: HSBC Case History," Tuesday, July 17, 2012, on Capitol Hill in Washington.

Haraz N. Ghanbari/AP

Enlarge

You can?t help but feel sorry for the bankers. Yesterday, one of them was so upset and humiliated he tended his resignation ? at a Senate hearing.

Skip to next paragraph Bill Bonner

Bill has written two New York Times best-selling books, Financial Reckoning Day and Empire of Debt. With political journalist Lila Rajiva, he wrote his third New York Times best-selling book, Mobs, Messiahs and Markets, which offers concrete advice on how to avoid the public spectacle of modern finance. Since 1999, Bill has been a daily contributor and the driving force behind The Daily Reckoning (dailyreckoning.com).

Wednesday, July 18, 2012

Self-Improvement Affirmations with Self-Hypnosis Audios Deal

www.wealthvibes.com Just click the link to get the special offer on this set of 6 one-hour in length self-improvement hypnosis audios. Topics include build your self-confidence, release your stress, lose weight, stop smoking, develop laser focus, and improve your learning skills. This is a great discount price on this self development hypnosis audio set. They come in mp4 format so you can burn them to cd, listen to them on your computer, or download them to your portable device. This self-improvement affirmation video comes with a nice ambient sound track background music to help you relax and better absorb the powerful positive affirmations. You?ll enjoy it if you enjoy positive sayings, new age music, relaxing, soothing metaphysical music, and self-help material.
Video Rating: 0 / 5

Source: http://howcanyouloseweighttoday.com/2012/07/15/self-improvement-affirmations-with-self-hypnosis-audios-deal/

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Source: http://lydian-kampuchea.blogspot.com/2012/07/self-improvement-affirmations-with-self.html

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How To Be Happy In Life - The Self Improvement Blog

By Aline Heller -

What is happiness? A lot of people want to be happy but when you ask them about the meaning of the word happiness, the answers always different. In some cases, people cannot even tell what it really means for them. However, we all know that each and one of us wants to have a happy and fulfilled life. It does not only make life a lot more exciting but it also makes people look vibrant and young. We should also remember that happiness is not always about having material things. How can we achieve it? Here are some keys on how to stay young and happy.

Optimism ? A person with a positive outlook on life will always find a way to be happy. Life is all about how you view it and this means that happiness is a choice. You either feel sad and negative about the things that are happening to you or you accept things and looking at the brighter side. One you develop optimism, you will realize that life is not at all bad. Therefore, when challenges come and you have to face them, always think positively.

Future ? The future is always exciting if that is how you view it. You need to look forward to it. Having something ? an event, a person, a date ? to look forward to will make you feel happy. It will energize your mornings and it will make you feel excited about starting the day. Starting the day with the right mindset and feelings will always make it end well. From time to time, set up dates with your friends or family. Have a feasible goal that you want to achieve in a certain time frame. This way, you will always have an inspiration to make every day worthwhile.

Instinct ? You should always follow your instincts or your gut feelings. It is not because they are always true but because that is the only way you can feel less guilty if things do not work out well. Decision making is always a difficult task. The longer you think about it, the harder and more frustrating it gets. Therefore, the next time you have to choose among several options, trust your instinct and follow it right away. If it turns out not fine, do not regret so much. Sometimes, wrong decisions can be right at some point.

Money ? Money is not the source of happiness but it can be a way for people to be happy. People who claim that they do not need money to be happy are just plain hypocrites. You need money because you need food and shelter. What you do not need is too much money. No matter how much you have in excess, it does not matter. It will all depend on how positively you view things around you and how you react to life?s challenges.

Loved Ones ? You need others to be happy. What is the point of achieving happiness if you do not have someone to share it with? Treasure your family, your relatives and your friends. You should also treasure new people in your life.

Learn how you can be happier in life with the Power Pause. Be happy and achieve your goals with the Goals on Track.

Article Source: http://EzineArticles.com/?expert=Aline_Heller
http://EzineArticles.com/?How-To-Be-Happy-In-Life?Keys-To-Staying-Young-And-Happy&id=7176290

Source: http://theselfimprovementblog.com/self-improvement/self-improvement-tips/how-to-be-happy-in-life-keys-to-staying-young-and-happy/

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Tuesday, July 17, 2012

FCC Is Warned About America's 'News Deserts'

Source: http://news.yahoo.com/fcc-warned-americas-news-deserts-101127342.html

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