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Saturday, December 7, 2013

Secret Santa Does It Again.

WHILE COUNTING DONATIONS FROM A HOLIDAY KETTLE, SALVATION ARMY OFFICIALS DISCOVER ‘SORT OF THING THAT YOU ALWAYS HOPE FOR’

It was  your typical Salvation Army holiday setup: A pair of bell ringers outside a Walmart in Joplin, Mo., standing alongside your garden-variety kettle in which passers-by drop donations.
But what was later found among the usual mixture of donations was anything but ordinary.
Anonymous $50,000 Donation Left Inside Salvation Army Kettle in Joplin, Mo.
Image source: AP Photo/Nikki Fox
Salvation Army officials discovered tucked inside dollar bills five checks for $10,000 each as they tabbed their totals last Friday, noted ABC News.
Lt. Jamie Curry called the $50,000 donation “really exciting” and “a surprise sort of thing that you always hope for but can never count on.”
While unexpected, the anonymous act isn’t without precedent. The same large sum was donated last year, and similar donations have made their way into Salvation Army kettles over the last decade, totaling about $500,000 from what the charity calls its “Secret Santa,” ABC News added.
It’s unknown if the giving is from the same person, different individuals, or the result of a secret group effort. But whatever the source, the Salvation Army is understandably appreciative.
“It’s never the same person and our bell ringers can’t ever tell you who it was who put the money in because it’s usually wrapped in bills,” Curry told ABC News. “It’s always wrapped in a way that we would know it was from ‘Secret Santa.’”
“You can imagine how many people we’ve been able to help with all that,” she added.
The money supports clothing and housing programs, as well as meals for 200 to 400 people daily, Curry told ABC News.
“We have some members and longtime staff who have always tried to figure out who it is and who have their theories on who it could be,” she added. “For others, it’s kind of fun to just have the mystery. We like the idea of the anonymity and giving them the opportunity to be anonymous.”

Total Consumer Costs Higher Under ObamaCrapCare--Premium Is Only A Small Part Of The Problem

Obamacare Out-of-Pocket Costs Much Higher Than Expected

Image: Obamacare Out-of-Pocket Costs Much Higher Than Expected
Monday, 21 Oct 2013 11:40 AM
By Sandy Fitzgerald
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Even with the federal tax breaks and subsidies promised through Obamacare, many consumers will likely find their out-of-pocket costs will be much higher than expected,according to an analysis of the healthcare law's problems.

Consumers can benefit from two different subsidies, writes Forbes contributor and physician Scott Gottlieb, who also serves as a Republican appointee on a federal health policy committee. Premium tax credits, based on family income, are designed to offset the overall costs of health insurance plans, while cost-sharing subsidies help pay for out-of-pocket expenses and to help lower costs when catastrophic limits kick in.

But so far, technical glitches on the website have caused miscalculations of cost estimates for uninsured individuals and families trying to sign up, leading to confusion and fears that the costs may end up not being as affordable as promised, Gottlieb noted.

Part of the problem, Gottlieb wrote, stems from the fact that the Healthcare.gov website cannot communicate correctly with other federal and state agencies to share the data needed to help calculate costs. Data sharing with other agencies has proven too much for the website to handle, leading to errors in cost calculations on enrollment applications that have gone through. In many cases, the system simply crashed on some applicants as they tried to calculate costs.

Gottlieb also notes that the subsidy to cover out-of-pocket costs are exempt from sequester cuts and could reduce the amount of money available to help offset co-pays or other medical costs not covered. For many, that could mean that a subsidy they were hoping to use to pay a medical bill may not be there when the time comes.

The Obama administration calculates that subsidies over the next 10 years could cost about $149 billion. But if the subsidies are cut, under the law insurance plans could be forced to absorb the shortfalls.

Not a good idea, said Gottlieb, given the fact that many insurance companies have already been burned by the bungled rollout of the federal healthcare program.

"Given the failed launch of Obamacare, many insurers will be looking at far lower enrollment numbers, and losses on their new exchange health plans," said Gottlieb. "Want proof? Expect Wall Street analysts to cut their earnings projections on the major health plans in the coming weeks."

If that happens, he added, many health plans will likely be pulled from the marketplace, and Obamacare could fail fast unless the administration lobbies Congress to stop sequester cuts from hitting cost-sharing subsidies.

"For all of these reasons, the Obama administration should approach its failed rollout with much more humility and candor," Gottlieb said. "These website woes aren’t merely 'glitches.'"


Read Latest Breaking News from Newsmax.com http://www.newsmax.com/Newsfront/obamacare-costs-higher-than/2013/10/21/id/532175#ixzz2moz9Mlan
Urgent: Should Obamacare Be Repealed? Vote Here Now!

American Vet Released From North Korea.

GREAT NEWS: VETERAN DETAINED IN NORTH KOREA WILL BE HOME FOR CHRISTMAS

SEOUL, South Korea (AP) — North Korea on Saturday deported an elderly U.S. tourist, apparently ending the saga of Merrill Newman’s return to the North six decades after he advised South Korean guerrillas still loathed by Pyongyang.
North Korea made the decision because the 85-year-old Newman, who was detained since late October, apologized for his alleged crimes during the Korean War and because of his age and medical condition, according to the North’s official Korean Central News Agency.
“I am very glad to be on my way home,” a smiling Newman told reporters after arriving at the airport in Beijing from Pyongyang. “And I appreciate the tolerance the (North Korean) government has given me to be on my way.”
Veteran Merrill Newman Detained in North Korea Deported, on Way Home
This 2005 photo provided by the Palo Alto Weekly shows Merrill Newman, a retired finance executive and Red Cross volunteer, in Palo Alto, Calif. An 85-year-old American veteran of the Korean War has been detained in North Korea since last month. The son of Merrill Newman told the San Jose Mercury News on Wednesday his father was taken off a plane set to leave North Korea on Oct. 26. Jeffrey Newman said no reason was given. (AP Photo/Palo Alto Weekly, Nicholas Wright)
“I feel good,” Newman said, adding with a laugh that the first thing he planned to do was “go home and see my wife.”
U.S. Vice President Joe Biden, who is traveling in Seoul, welcomed the release and said he talked by phone with Newman in Beijing, offering him a ride home on Air Force Two. Biden said Newman declined because of a direct flight to his home state of California later Saturday.
Last month, Newman read from an awkwardly worded alleged confession that apologized for, among other things, killing North Koreans during the war. They were his first words since being taken off a plane Oct. 26 by North Korean authorities while preparing to leave the country after a 10-day tour. Analysts questioned whether the statement was coerced, and former South Korean guerrillas who had worked with Newman and fought behind enemy lines during the 1950-53 Korean War disputed some of the details.
State Department spokeswoman Marie Harf urged Pyongyang to pardon “as a humanitarian gesture” another American, Kenneth Bae, who has been held in the North for more than a year.
Members of the former South Korean guerrilla group said in an interview last week with The Associated Press that Newman was their adviser. Some have expressed surprise that Newman would take the risk of visiting North Korea given his association with their group, which is still remembered with keen hatred in the North. Others, however, were amazed Pyongyang still considered Newman a threat.
“Why did North Korea make such a big fuss?” Park Chan-wu, a former guerrilla who worked with Newman during the war, said Saturday. “It’s been 60 years since he worked as our adviser.”
The televised statement read last month by Newman said he was attempting to meet surviving guerrilla fighters he had training during the conflict and reconnect them with their wartime colleagues living in South Korea, and that he had criticized the North during his recent trip.
Newman’s comments haven’t been independently confirmed. North Korea has a history of allegedly coercing statements from detainees.
Veteran Merrill Newman Detained in North Korea Deported, on Way Home
U.S. tourist Merrill Newman arrives at Beijing airport Saturday, Dec. 7, 2013 after being released by North Korea. North Korea deported Newman who was detained for more than a month, apparently ending the saga of his return to the North six decades after he advised South Korean guerrillas still loathed by Pyongyang. North Korea made the decision because the 85-year-old Newman had apologized for his alleged crimes during the Korean War and because of his age and medical condition, according to the North’s official Korean Central News Agency. (AP Photo/Kyodo News) JAPAN OUT
Newman’s political value had “expired” for North Korea, said Chang Yong Seok, a senior researcher at Seoul National University’s Institute for Peace and Unification Studies. Newman’s written apology and the TV broadcast were enough for Pyongyang to show outsiders that it has maintained its dignity — something the proud country views as paramount, said Chang.
Chang said that detaining Newman also hurt impoverished Pyongyang’s efforts to encourage tourism. “Keeping a tourist who entered the country after state approval doesn’t look good for a country that is trying to boost its tourism industry,” Chang said.
Some of those former guerrillas of the Kuwol unit in Seoul remember Newman as a handsome, thin American lieutenant who got them rice, clothes and weapons during the later stages of the war but largely left the fighting to them.
Newman oversaw guerrilla actions and gave the fighters advice, but he wasn’t involved in day-to-day operations, according to the former rank-and-file members and analysts. Newman was scheduled to visit South Korea to meet former Kuwol fighters following his North Korea trip.
After he was detained, Newman was visited at a Pyongyang hotel by the Swedish ambassador, his family said in a statement, and he appeared to be in good health, receiving his heart medicine and being checked by medical personnel. Sweden handles American citizens’ interests in Pyongyang as the North and the United States have no formal diplomatic ties.
Jeffrey Newman has previously said that his father, an avid traveler and retired finance executive from California, had always wanted to return to the country where he fought during the Korean War.
Tension remains on the Korean Peninsula, though Pyongyang’s rhetoric against the U.S. and South Korea has toned down in recent weeks compared with its torrent of springtime threats to launch nuclear wars.
Before Newman, North Korea detained at least six Americans since 2009; five of them have been either released or deported after prominent Americans like former Presidents Bill Clinton and Jimmy Carter travelled to Pyongyang.
The country has held for more than a year Bae, the sixth detainee. He is a Korean-American missionary and tour operator who the North accuses of subversion.
“The release is vintage North Korea,” Ralph Cossa, president of the Pacific Forum CSIS think tank in Hawaii, said of the timing of Newman’s release. “They always try to capture the attention away from something that might make the (South) Korea look good and get the spotlight on them instead. Normally they do this by doing something negative. At least in this instance, it was a positive gesture.”

ObamaCrapCare Costs Hitting Reid More. It Won't Bankrupt Him, However, It Is An Example Of Costs Going Up Rather Than Down

Harry Reid: I Pay $4,500 More for Health Insurance Because of Obamacare

4:59 PM, DEC 6, 2013 • BY JOHN MCCORMACK
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Senate majority leader Harry Reid tells the Reno Gazette Journal that the Affordable Care Act has made his health insurance a lot les affordable: 
"[U]nder Obamacare, my insurance costs me about $4,500 more that it did before. Yes, because it is age-related and it wasn’t like that before.”
"If you already have health insurance, the only thing that will change for you under this plan is the amount of money you will spend on premiums," Barack Obama said during his 2007 speech unveiling his health care plan. "That will be less."
In 2012, House minority leader Nancy Pelosi said on Meet the Press that "everybody will have lower rates" under Obamacare. When asked by THE WEEKLY STANDARD this summer about reports of large rate hikes for some Americans, Pelosi said, "I don't remember saying that everybody in the country would have a lower premium."
According to the Kaiser Foundation, about half of the people currently on the individual market won't qualify for any subsidies under Obamacare. Another study published in the magazine of the American Academy of Actuaries found that, even after accounting for subsidies, 80 percent of Americans under the age of 30 will pay more under Obamacare than they currently do on the individual market.

Friday, December 6, 2013

When Rates Go UP, Mortgage Applications Go DOWN. Seems Reasonable To Us!

US Mortgage Applications Decrease As Mortgage Rates Rise

Katrina Gutierrez
updated 

Problems Abound With ObamaCrapCare. Don't Worry We All Will Be Covered By Medicare January 1, 2015!

State exchanges hitting data snags, too

Obamacare papers are pictured. | Reuters
Even in states where enrollment is booming, insurance companies run into glitches. | Reuters
Even in states where Obamacare enrollment is booming, insurance companies are running into significant behind-the-scenes technical glitches that could threaten Jan. 1 health coverage.
Many of these 14 states and the District of Columbia have been eager to tout the success of their own exchanges compared with the bungled federal portal, but they now appear to be worrying about back-end problems similar to those afflicting HealthCare.gov.

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It’s a new twist in the unfolding saga of so-called 834 forms — industry jargon for the application files that insurers receive when someone signs up for coverage through an exchange.
Insurers in Kentucky and New York, for example, say they’ve received flawed 834 enrollment forms from their local exchanges, though the extent of the errors is unclear. Washington state has already had to correct thousands of 834s with faulty information about federal tax credits.
Several state exchanges waited until late last month to even start sending application data to insurers, meaning potential errors haven’t had much time to surface.
At the least, these issues run counter to the popular storyline: that states’ enrollment systems have vastly outperformed the Obama administration’s effort. At the worst, they could endanger coverage for thousands of people who think they’re already enrolled for the start of 2014.
“While there is significant variation from state to state, health plans in many state-based exchanges are seeing similar problems with enrollment files,” Robert Zirkelbach, spokesman for America’s Health Insurance Plans, said Thursday.
It’s uncertain how deep the problems go, in part, because the states themselves aren’t sure — and are reluctant to divulge much about their technical challenges.
“We don’t have a clear picture of how things are out in the states,” said Caroline Pearson of Avalere Health.
Until now, concerns about state-run exchanges focused mostly on the places with very public breakdowns in just getting people into their system. Oregon, for one, only recently claimed its first enrollees, while Colorado has faced major bottlenecks in its system. Hawaii recently replaced its exchange director following a series of tech woes, and Vermont is reportedly withholding funds from its lead contractor, CGI, which also built the biggest chunk of HealthCare.gov.
As for California, its program has yet to process as many as 35,000 applications that were submitted by fax, Fox Business Network revealed Thursday afternoon.
Yet problems with the back end of these 15 exchanges have received little attention. Not even the programs considered to be the nation’s best — including Kentucky’s Kynect and New York State of Health — seem immune.
“In general, the situation is the same for the state-run exchanges as it is for the federally facilitated exchanges,” said Tony Felts, a spokesman for Anthem Blue Cross and Blue Shield, one of Kentucky’s major insurers. “As far as the quality of the data that’s coming in, I can’t say that everything has been completely accurate. Nor has everything been completely inaccurate.” It’s too early, he added, to know if the problems have been solved.
The office of Senate Minority Leader Mitch McConnell, an ardent Obamacare opponent, has been asking insurers if they’re getting the information they need to enroll people. “We have been told that although a Kentuckian may believe they’ve enrolled in a plan on the exchange, this information is not necessarily being reported to the insurer in a way that guarantees coverage,” said McConnell spokesman Donald Stewart.
Although a Kynect spokeswoman said the exchange has dealt with only “minor issues” since it started sending enrollment files to insurers a month ago, she didn’t indicate whether those issues had resulted in flawed forms or if they’d been resolved.
The concerns cut to the heart of an otherwise sterling narrative in the Bluegrass State. Democratic Gov. Steve Beshear talked up his state’s effort during a visit to Capitol Hill on Thursday and challenged critics of the health law to visit Kentucky’s exchange operation. “I want to publicly invite our entire federal delegation to come back to Kentucky … and come over to our center, our nerve center where we’re running this program, and see for yourself what is going on,” Beshear said. “When you see that, I think you’ll quit saying, ‘This will not work,’ and ‘Kentuckians don’t want it.’”
As with HealthCare.gov, the problems stem from an obscure insurance industry process known as an 834 transmission. When a person signs up for insurance online through either a state- or federal-run exchange, the system is supposed to generate an 834 form and submit it to the selected insurer, which then processes the form and places the individual in coverage.


Read more: http://www.politico.com/story/2013/12/obamacare-state-exchanges-technical-glitches-100757.html#ixzz2miBUHYca