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Is PBM Spread Pricing Increasing The Cost of Your Self-Funded Employee Health Plan?
www.Medtipster.com Source: Terrance Killilea, Pharm.D. and Scott Haas, 12.08.11
Pharmacy benefit managers (PBMs) are contractors hired by health plans to administer health plan pharmacy benefits, and PBMs that practice spread pricing, charge plan sponsors (employers) more for prescription drugs than what's actually paid to the pharmacy.
Spread pricing is largely unknown to employers and those who pay health bills. The practice is occasionally understood by some participants in the health system (health plans, brokers), but often not acted upon due to relationships. Spread pricing has a significant impact on health plan costs. For example, when a PBM pays a pharmacy a minor amount (say $6) for a prescription, but charges the employer and patient a much higher price (say $30). This higher amount is reflected in both the co-pay and the billing to the employer.
Clearly, this has an impact on the cost of a self-funded program, but it also impacts the premiums of fully insured programs through experience. Health plans providing fully insured coverage, where spread pricing is occurring, either do not know about spread pricing or know about it and share in the revenue. This revenue sharing often amounts to a per prescription fee paid to the health plan by the PBM. This arrangement occurs in both self-funded and fully insured situations. Regardless of the setting, spread pricing increases the cost of prescription claims above the actual cost paid to the pharmacy.
Health plans often use terms such as "transparency" or "pass-through" to explain pricing, but this does not address the actual issue of spread pricing. Elimination of spread pricing lowers claim costs for patients and plan sponsors, increases the affordability of medications, and is likely to improve overall health outcomes.
Until recently, spread pricing did not affect members of a health benefit plan. When a PBM reported a claim cost of $45, paid the pharmacy $12, and charged the member a $10 co-pay, the member was not affected by the higher claim cost. The plan, however, experienced a charge of $33 more than what was actually paid to the pharmacy. In this type of copayment design, it's the plan sponsor (employer) who bears the increased cost of spread pricing.
Now, with increasing frequency, employers are establishing high deductible health plans (HDHP). An estimated 18 million Americans were covered under this type of plan in 2010*. A HDHP typically has an annual deductible of at least $1,200 for individual coverage and all expenses (except some preventive visits), including pharmacy costs, go toward the deductible. In the most common claim scenario, it's the prescription drug cost that accumulates to satisfy the member's deductible and out-of-pocket expenses. In some families, the prescription cost is the primary source of medical care cost, particularly in plans where maintenance check-ups and other wellness services have no co-pay or out-of-pocket exposure.
Spread pricing results in higher consumer costs. It is not unusual for generic prescription charges to be $30-$50 above the actual claim cost.** But more important, may be the affect on compliance and cost of care. While not being specifically studied, it's reasonable to believe that compliance diminishes as the cost of prescriptions increase by 400% or more. The impact of multiple members of a family, on multiple medications, can be dramatic. The effect of high patient prescription costs on decreased adherence to therapy was the subject of a 2010 Wall Street Journal article.*** Spread pricing was not mentioned as a factor.
If higher medication costs lead to lower compliance, it's likely to be more significant in patients with multiple or complex disease states. While the extent of lower compliance is variable, higher cost results in lower affordability and is likely to affect disease outcome. This is particularly true in situations where members are paying all of the drug cost, such as in a HDHP.
According to a recent Consumer Reports poll, 48% of adults have taken steps to save money due to the economy. Included among the actions taken were:
- Putting off a doctor's visit (21%)
- Delaying a medical procedure (17%)
- Taking risks to save on medications (28%), including;
- Not filling a prescription (16%)
- Taking an expired medication (13%)
- Sharing a prescription with someone else (4%).
When one considers that a complex patient with hypertension, hyperlipidemia, and type-2 diabetes can be effectively treated with generic drugs cumulatively costing less than $300 per year, substantial compliance and successful treatment is likely. The likelihood of compliance decreases, however, when spread pricing drives the cost of that same therapy up to $2,000.
Finally, prescription cost increases due to spread pricing, places members and their families above the deductible ceiling quicker. Thus, the cost of therapy impacts the plan sponsor sooner, and negates the fiscal value of a HDHP. While this may not have a direct impact on care, it certainly increases net costs to plan sponsors, in spite of the establishment of a HDHP.
While spread pricing has been a common practice in the PBM marketplace for years, the impact on member costs and member quality of care is now greater. It's advisable for all plan sponsors to assess the extent of spread pricing that is occurring in their pharmacy benefit and examine methods to eliminate it.
- *American Association of Preferred Provider Organizations. APPO 2010 study of consumer-directed health plans.
- **Based on competitive claim analysis where a transparent PBM has reported actual costs paid to pharmacies. There is no reason to believe that a larger PBM would be paying the pharmacy more than the smaller PBM for which the actual claim price is known.
- *** http://online.wsj.com/article/SB10001424052748703927504575540510224649150.html
About the Authors
Dr. Killilea and Mr. Haas both work in the Portland, OR office of Wells Fargo Insurance Services USA, Inc. Terrance Killilea, Pharm.D. is Vice President, Integrated Healthcare Metrics -Clinical and Fiscal Integration. Scott Haas is Vice President, Integrated Healthcare Metrics.


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by Tom Utescher
Springside Chestnut Hill Academy was able to close out the soccer season on a positive note on November 12, knocking off Inter-Ac League champion Malvern Prep, 2-1. With the victory, the Blue Devils ended up 14-9-1 overall and brought their final league record up close to the .500 mark at 4-5-1, while becoming the only team to defeat the Friars during the 2011 Inter-Ac campaign.
"Malvern was missing a couple of guys, who I think were playing with their club teams," said SCHA coach Joe DiSalvo, "but it was still a good way for us to end our season and leave our younger guys with a positive feeling going into next year."
Noting that the team finished 6-15-1 in his first season in 2009 and went 7-11-4 last fall, DiSalvo said, "I think we've turned the corner with the program, and I give a lot of the credit for that to the 11 seniors we had on the team this year. They bought into what I was trying to do over the last couple of years and helped us build up to this point. Some of those guys were starters, and some saw younger kids start ahead of them, but they all played important roles for us and all worked for the good of the team as a whole."
The final week of competition in the league began with a 1-1 tie against Germantown Academy on November 7. SCHA senior Alex deBerardinis opened the scoring, and later sophomore Matt Miller evened it up for the Patriots, who would go on to finish the season 3-5-2 in the Inter-Ac and 8-9-4 overall.
Out at Malvern in Saturday's season finale, the Devils were the early aggressors once again. Dan Trulear drew first blood with an assist from fellow senior Danny Hull, then junior Tim Ogle made it 2-0 by converting off of a pass by sophomore Anthony Liddy. Senior Drew Mulhern got the Friars on the board before halftime, and the 2-1 score stuck until the final whistle.
Despite missing a few games due to a foot injury, Hull emerged as the leading scorer for SCHA, with 17 goals and eight assists on the season. At the other end of the field another upperclassman, Sam Feirson, was a first-year starter in goal. Nevertheless, he came up big for the Devils, posting a goals-against average of just 0.98 throughout the 2011 campaign while recording nine shutouts. Just in front of him was his classmate, outside back Mike Duffey, lending his experience to an otherwise youthful defensive foursome for the Devils.
In addition to the players already mentioned, the senior class included Kyle Espenshade, Chris Rosenberg, Shawn Wilson, Matt Fink, Sam Sheppard, and Johnny Wyche.
While Penn Charter was a young squad this year and will have most of its talent back on the field next fall, most other league teams, including SCHA, will be coping with significant graduation losses going into the 2012 season.
Still, DiSalvo feels his younger Devils benefitted from being part of this year's successful franchise.
"One of the steps we'd like to take from here," DiSalvo said, "is to win more of the one-goal games that went against us. Out of our nine losses, only one was by more than one goal [an 0-2 setback at GA in the Inter-Ac opener], and we gave up some of those goals late in the second half or in overtime. When you think about it, we weren't very far away from having a really special season."

subset: commoncrawl


text:
Items where Author / Artist / Editor is "Cox, Anna L."
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Number of items: 1.
Makri, Stephann, Blandford, Ann, Cox, Anna L., Attfield, Simon and Warwick, Claire (2011) Evaluating the information behaviour methods: formative evaluations of two methods for assessing the functionality and usability of electronic information resources. International Journal of Human-Computer Studies, 69 (7-8) . pp. 455-482. ISSN 1071-5819 (doi:10.1016/j.ijhcs.2011.04.004)


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causevox necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 159 diseños de 22 diseñadores freelance.
We're rebranding an existing online platform that mobilizes people who care about non-profit organizations. We make these individuals advocates for the causes they are most passionate about by providing simple, yet effective, tools to give them a voice, generate awareness, and raise money.
We chose the name causevox so that we could give causes a voice in the world.
Cause - A principle, ideal, goal, or movement to which a person or group is dedicated
Vox - The word origin of voice.
Here are some words that describe us:
- contemporary
- game-changing
- strong/confident/bold
- alive/moving/active
- engaging
We've attached some examples of logos we like to this project brief.
We have three target audiences:
1. Non-profits // organizations with a mission to better the world in some way
2. Advocates // people who identify with and champion the causes they most believe in
3. Donors // people that the advocates recruit to donate money and spread the word about a cause
* Color: We're not tied any color palette, but the color should evoke a call to action.
* Visuals: We'd like an image to represent causevox, but don't need it to be too elaborate. We like flat images that have meaning and tie to our mission.
* Wording/Typography: Sans Serif fonts would follow the contemporary nature of our product. Variations of typography can include but is not limited to: causevox, CauseVox, CAUSEVOX, causeVOX.
* Overall: Logo must look good in color as well grayscale and be okay on black or white backgrounds
* Format in CMYK: .psd (layered), .ai, .jpg
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Minnesota transportation officials say volunteers pick up an estimated 26,000 tons of trash along state highways each year.
The Department of Transportation figures the volunteers save the state an estimated $6 million annually.
The Adopt a Highway program is currently staffed with more than 49,000 volunteers who clean up litter from 11,000 miles of Minnesota highways.
Adopt a Highway program administrator Ernest Lloyd says that because of the volunteers, state road crews can spend more time on highway improvement and safety projects.
The DOT says the Adopt a Highway program requires at least a 2-year commitment to pick up trash about two or three times a year.
Only state workers are responsible for picking up trash along the interstate.


text:
Maleezy necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 113 diseños de 32 diseñadores freelance.
Affinity For Music
We are a Mobile Disc Jockey Company specializing in weddings, private parties, school dances, and corporate events. We're not a club DJ. We plan on using this logo for our newly redesigned website, letterhead, and business cards.
Brides and high-end clientele looking for professional entertainment for their wedding or other event.
We think our existing logo is outdated, and we're looking for something that will match our redesigned website, which is yet to be published. Our existing logo can be seen on our website http://www.affinityformusic.com. The logo must include the name "Affinity For Music" and does not need to include "Mobile DJ Company" as it does now but we are open to both. We'd possibly like to have a graphic included that represents music, or love, or both, as our name suggests. The colors of our new website will be gold, burgundy, black, and gray. The logo should be be be professional and elegant. We don't want any graphics of a DJ spinning please.
We would like the winning entry to be uploaded in the following formats: .psd, .svg, & .jpeg. Thanks so much.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Staying active and socially engaged is critical for seniors' health and well-being. And as much as we love spending time with our loved ones, most of us can't be there as much as we'd like to provide that needed companionship.
Home Helpers of Greater Milwaukee offers companion care services in Shorewood, Wisconsin, that can extend well beyond the day-to-day medical and essential housekeeping tasks: we offer in-home care to help fill in the gaps for a richer, more fulfilling life for your loved one, including:
Companion care is important no matter where your loved one may be, so Home Helpers of Greater Milwaukee offers companion care in other locations throughout Shorewood as well:
If you need companion home care for a loved one in Shorewood, Wisconsin, please call us at (262) 365-1443 or click the button below to email us.
Our companion home care services are also available in Mequon, Milwaukee, Fox Point, Bayside, River Hills, Whitefish Bay, Cedarburg, Germantown, Grafton, Menomonee Falls, Brown Deer, Port Washington, Wauwatosa, West Bend, Hartford, Sussex, West Allis, Butler, Colgate, Fredonia, Greendale, Hales Corners, Saukville, Slinger, Richfield, Jackson, Thiensville, and Hubertus, Wisconsin.
Other Care Services for Shorewood, Wisconsin:
Shorewood Alzheimer's and Dementia Home Care
Shorewood 24 Hour Live-In Care
Shorewood Parkinson's Home Care
Shorewood Post-Operative Home Care


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Jdmarrs necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 380 diseños de 75 diseñadores freelance.
I am looking for a logo for a website / company / business that I am creating. I am very passionate about solar energy, and I want to create a website to inform the public about solar energy... how it works, how people can go solar, and what the hottest news, trends and deals are in the solar energy industry. I am an aspiring entrepreneur, so I want the perfect logo that will represent the Solify brand.
This will be a resource and online community for consumers, solar energy professionals, and people wanting to learn about solar. I may sell solar products through the website with e-commerce. I will be blogging about solar energy and providing discussion forums, and other sources of information for the consumer. Product solar energy product reviews will be available for curious consumers.
I have some ideas for the logo, but I welcome your professional opinion and creativity as a designer. My initial idea is the name "Solify" in stylized font. I was thinking of sky-blue font with the "o" in "Solify" being a sun or being yellow to represent a sun. Other possible colors could include green, orangish-yellow, black, etc. Maybe there could be a nicely-designed sun image next to the word Solify instead of as the O... use your imagination :-)
I want the logo to be modern and edgy, but not too busy... a somewhat conservative look, without being too boring. The logo will be for a modern, green, Web 2.0 site.
Ultimately, if you have ideas, I want you to test them out and show me. I do not strict requirements, just initial concepts.
Sources of inspiration (please don't copy... be somewhat original):
I have attached an image that gives a very basic initial idea for the logo, but feel free to come up with your own starting point for a design.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Next Time Put Up a Sign
Today I was itch'n for some batting practice.
Unfortunately the design of Peoria Sports Complex (in my experience) isn't exactly a Ballhawk's dream.
I know nothing of the ins and outs of the Peoria Sports Complex. All I can do is tell you about what happened on "this" particular day. It started out great, Mike and I showed up early and the Rockies were out on the field taking batting practice. For about 10 minutes it was only Mike and I watching and I kept thinking "How cool is this, it's just us". Seconds after that thought, Mike and I were approached by Security and were told that this was a "private" batting practice and we were in a restricted area.
I knew it was too good to be true. What sucks is it wasn't posted anywhere that we couldn't be there, no signs.
What Security didn't know is Mike and I each had snagged a ball before they showed up.
After a quick departure I kept exploring and stumbled across a row of what seemed to be deserted batting cages. They looked like they were accessible to the public as there were no signs stating otherwise. I spotted a few "easter eggs" on the ground so my happy ass wandered in there.
As I was bending over to pick up the "easter egg" I over heard some guy carrying a leaf blower say "Hey, are you supposed to be back here".
I replied "Am I not supposed to be back here?"
Leaf blower dude says "You can't just walk back here and pick up baseballs."
At this point I'm embarrassed and getting irked so I said "You can wander all of the spring train facilities and pick up loose baseballs, that's exactly what I'm doing until you just informed me I wasn't supposed to be here."
Leafblower dude agreed, backed off me and I continued to wander, just not by the batting cages. Had I not stopped and tried to pick up the baseball, Leaf blower dude probably would have ignored me and kept blowing…My eager bad.
Peoria…If you don't want me in there exploring…PUT UP A SIGN.
We continued our search for batting practice and all we found were locked gates.
Look at this spot. If the gate were unlocked you could snag baseballs from both fields.
Nope big lock on there. Same with the next one. What a beautiful spot, wasted.
At this point it's over an hour before game time and we're forced to stand and hope for foul balls.
Sorry Peoria but that's lame. We knew for a fact there would be no batting practice inside so the one ball I managed to snag from the Rockies "private" batting practice would be the only one of the day. I hate that 😦
On a very cool note, we ran into Huston Street and he autographed a ball and posed for a picture.
Time to head into the Stadium.
Here's Mike the Rox Addict proving he's a rebel.
Still bummed at the lack of batting practice Mike and I decided to take our chances at the pitching cages.
I call this set "Been caught stealing"
Still determined to take another baseball home from this place I gave this bad boy a shot.
It wouldn't budge and I couldn't find a crow bar.
Eventually I wandered over to the Rockies dugout. The first player out to warm-up was "The Duece"
Duece warmed up for a few minutes then exited without signing for anyone. That didn't faze me, what fazed me was a few minutes later Duece came out and signed for everyone in the front row including me, on the sweet spot.
Thanks Tulo!
Here's a few pictures of the Rockies pregame.
Here's Pacheco and EY Jr flashing the Ranter sign.
Again this game I didn't take any action shots in hopes of catching a game home run. In hindsight, I should have taken the pictures.
Check out the Rox Addict's blog if you'd like to see some of the action shots.
Rockies lose to the Padres 10-6.
So the day was a bust. Well not totally, look what I managed to snag. I looked but I didn't see a sign saying I couldn't take it.
We left it parked at the In n Out Burger.
Damn good burger.
I'm "D" The Ranter and maybe it's just me but Peoria seemed kinda stingy with their baseballs.


text:
Contribute to ReadWriteThink / RSS / FAQs / Site Demonstrations / Contact Us / About Us
Learn All Year Long
Kids and teens should read and write even when they are out of school. Why is this so important?
ReadWriteThink has a variety of resources for out-of-school use. Visit our Parent & Afterschool Resources section to learn more.
Home › Parent & Afterschool Resources › Activities & Projects
A Dragon's Fire: From A to Z
Activity Description
In the picture book Not Your Typical Dragon, little Crispin Blaze can't breathe fire like all the other dragons. With this activity, children can dig into the details of the book by listing each of the items that Crispin does exhale. Whipped cream, beach balls, bubbles and more! Using the interactive Alphabet Organizer tool helps kids take Crispin's list of silly items and classify them by first letter. Then children can continue practicing this skill by dreaming up additional items for Crispin to breathe and organizing those by first letter, too.
Why This Is Helpful
Children take a big step toward reading when they can identify the first letter of each word they see or hear. Creating ABC word lists helps children practice this important skill, which also benefits writing and spelling.


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To book music legend James Brown for a party, you'd have to shell out between $100,000 and $250,000. But for a fraction of the cost, you can get the next best thing: the Dancin' Shoutin' James Brown doll.
Sporting a black shirt and pants and a monogrammed brown plastic vest, the 19-inch, four-pound figure bears an uncanny resemblance to the real Godfather of Soul. At the push of a button, the doll gyrates its hips as it mouths the words to the 1965 classic "I Got You (I Feel Good)."
Created by Texas-based Gemmy Industries Corp., at the urging of James Brown's lawyer, Buddy Dallas, the battery-operated model uses "syncromotion," a patented animation technique that uses an IC chip, which programs the motors to move in conjunction with the music. The figure became so popular, it sold out in many markets.
"It's a very unusual phenomenon," says Jerry Jordan, chief operating officer of Gemmy Industries. "We actually pinpointed this item last year in a focus group and the focus group said this is going to be very popular. We heard stories of there being 50 people in a store on a waiting list, and the trouble we had was nobody really knew if it was a gift or a toy or a décor piece or a collectible. Men, or people buying gifts for men, want something that they think a man will think is funny, and this seems to appeal to a very wide demographic." Because of the overwhelming demand for the James Brown doll, Gemmy plans to expand its line of pop culture figures. Future bobble-headed dancing and singing models will include Bing Crosby and Hank Williams Jr., with a Frank Sinatra doll a possibility.
Retailing for $34.99, the dolls are available at Walgreens, Eckerd, Kay-Bee and Toys "R" Us stores nationwide.
For more information visit www.gemmy.com.


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A portion of the profits from xkcd: volume 0 will be donated to three literacy projects in Asia: building a School Room (pre-school); building a Reading Room (library); and funding a Local Language Publishing Program. The charity Room to Read is now polling the public to decide where in Asia these three projects should take place.
The School Room (pre-school) will be built in Sri Lanka, but the four regions to decide between are: Nuwara Eliya, Moneragala District, Mannar District, and Matale District.
The Reading Room will be built in either Laos, Cambodia, Sri Lanka, or Nepal.
The Local Language Publishing Program will in either Laos, Nepal, Bangladesh, India, Sri Lanka, Vietnam, or Cambodia.
How do you decide which locations to vote for? Are you connected to any of these regions?
The deadline is May 17th, 2010 at noon EST. Vote here: How Should We Donate $53,000 of xkcd Book Profits?


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For the month of July, we'd like to highlight this photo in our "Faces of CFCA" Facebook photo album!
Joanna O'Malley meets her sponsored children, Leidy and Hugo, on a mission awareness trip to Guatemala. She was surprised to find that the two children attend school in the same class!
To submit your photos to be included in our Facebook album, simply email a .jpg photo file (the higher the resolution, the better) to firstname.lastname@example.com.
Include your name and your preferred form of contact (phone, email, etc.) in case we have any questions about your submission.
Thanks for your support!


text: Seattle, WA: Branford Marsalis Quartet by Eric Revis | Feb 12, 2016 | Events | 0 comments Benaroya Hall http://www.seattlesymphony.org/benaroyahall Share this:TweetPrintShare on TumblrEmailLike this:Like Loading... Related Submit a Comment Cancel reply Your email address will not be published. Required fields are marked *Comment Name * Email * Website Notify me of follow-up comments by email. Notify me of new posts by email.


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...But while sitting in the waiting room of the hospital of Rybnik, I
could not avoid thinking that a marathon could begin much ahead, with
overcoming all the difficulties which can happen in the training, etc.
So I had the time to think that:
- 5 weeks before, I was in terrific shape and was easily crunching
miles and hard workouts. My dream of running a marathon in 2:35' was
getting close...
- then I woke up one day with inflammation to the sesamoidis which
afflicted me for weeks until I eventually cured it with a cortisone
- my hamstring went out of control, with the tragi-comic even of
getting cramps on a 10k race and even tripping on the finish line
because the leg could not bend anymore. Now I had done some physical
therapy session and deep tissue massage but basically I could not
perform any "faster" workout for weeks and I could not predict how it
could behave on 42km.
- my baby son got a cold and did not let us sleep in the past 4
nights, so I felt really tired
...And I was there, waiting for a doctor to perform a
Cortison+lydocain shot on my ankle which got inflamed 3 days before
(for no apparent reason)... It was a last resort measure.
So all together I thought that I already did have a long way to go
before even maybe able to take the start the day after.
Despite this, I said to myself that I would have anyway tried to run
on 2h35'-36' pace. I must give it anyway a try because of all the
effort done to be there.
So, the day after, I left the HR monitor in the closet , did the usual
pre-race preparation, enjoy the benefit of my "Elite" start bib, and
then go...
Maybe is too tedious to write all the race details (and I am also
typing from a smartphone..), so I just say that I hit half marathon in
1h18'30" and then kept 3'42"/k pace (my target) until 30k.
The ankle was like a stinging needle at every step but I could bear it.
Then..I felt tired, I felt I did not have those energy in the tank to
increase my internal effort and keep the target pace.
The ankle was by than bloody painful, with the medicine numbing effect
completely gone.
So, in short, I had to slow down.
I did not bonk, I did not hit any wall, but I was simply slowing down.
I was no more racing, but only running to the finish line
I was strangely still overtaking other runners who were bonking hard.
Eventually after 2h40'03" I reached the finish line in 23rd place, but
the finish time does not really mattered much.
I could not even walk properly anymore and I felt kind of somehow
disappointed but proud to do it anyway...a Marathon is always a
In the next days, once I have a proper PC, I elaborate more, but for
now that's all...


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You just completed 50% of a hassle free easy vehicle purchasing. As you can see our low prices near to wholesale cost drove you to our website. Our promise to you is to provide you with a clean title vehicle, lemon free, flood free, frame damage free, with a history report showing the condition of the vehicle. All our vehicles go through 120 points inspection checked by a third party then we do another 120 points inspection at our mechanic shop. We do double check and triple check that's our standard. It is our standard at Accent AUTO to provide you with a free power train warranty for 30 days unless stated otherwise. We are experts in buying the best vehicle for the best price available in the market. We wholesaled in 2007 to 2011 over 400 vehicles to major dealers in Austin and Dallas area .
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text:
Last refuge of privacy to be completely eviscerated
Paul Joseph Watson
December 10, 2013
Google engineering director Scott Huffman says that within five years people will have microphones attached to their ceilings and microchips embedded in their brains in order to perform quicker internet searches.
In an interview with the London Independent, Huffman said that Google was working towards a concept based around microphones hanging from the ceiling that would respond to verbal queries.
"Like a great personal assistant, it will interrupt you and say ' you've got to leave now'. It will bring you the information you want," said Huffman, adding that "five years from now….Google will answer you the same way a person would answer."
When challenged on the likelihood of such a system being vulnerable to NSA wiretapping, Huffman glibly responded that people should just trust Google (a company that allowed the NSA to mine data from its cloud network "at will") to safeguard their information.
Huffman touted the features of such a system, suggesting people could ask Google to screen football highlights on their television via the microphones, or arrange travel plans.
"I could ask my Google 'assistant' where we should have lunch, that serves French food and isn't too expensive? Google will go 'Ok, we'll go to that place' and when I get in my car it should already be navigating to that restaurant. We're really excited by the idea of multiple devices being able to talk to each other," said Huffman.
"Google believes it can ultimately fulfil people's data needs by sending results directly to microchips implanted into its user's brains," states the report, a concept which Huffman welcomes.
Although the idea of embedding a microchip inside the brain is a horror for some, there is a whole movement of people who call themselves transhumanists that will openly embrace such a scenario. Those who refuse to adopt the technology will eventually be seen as luddites and technophobes.
If Google's transhumanist utopia is to be achieved, the microchip inside the brain must eventually become as ubiquitous as the cellphone. This will all be promoted in the name of convenience and Google will assure us that strong safeguards are in place to protect privacy (while they are work hand in hand with the NSA to desecrate privacy).
As we have previously highlighted, Google's mission to become all pervasive to the point where it is listening to conversations in our own homes is part of the wider move towards the 'Internet of things' where every device is connected to the Internet and by extension becomes a de facto surveillance hub.
From so-called "smart" street lights that use microphones to record conversations, analyze voices and track people, to Xbox and cellphone devices that do likewise, our entire environment is being turned into what former CIA director David Petraeus hailed as a boon for "clandestine statecraft."
According to whistleblowers like William Binney , the NSA is already recording our conversations, via email, phone and VOIP, and analyzing them in real time. Once our homes and our streets are festooned with microphones, the last refuge of privacy will be completely eviscerated.
Facebook @ https://www.facebook.com/paul.j.watson.71
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Paul Joseph Watson is the editor and writer for Infowars.com and Prison Planet.com. He is the author of Order Out Of Chaos. Watson is also a host for Infowars Nightly News.
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Just one day after being released from World Wrestling Entertainment, Matt Hardy has released a statement regarding his departure from the Fed.
On his website's message board, Hardy expressed gratitude for the outpouring of support wrestling fans have given him.
"First and foremost, I want to thank everyone for the incredible support that you have shown me in this very hard and difficult time," Hardy wrote. "I have been kicked down before (although probably not this much, in such a short amount of time), but I always find a way to rebound and make my life a better place.
"Thanks for the outpouring of emotion and letting me know how much you care--I need that now. For all of you who believe in me, cheer for me, and care for me, I am not going away--I will rise above. Thanks and much love..."
Hardy's release was officially announced on WWE's website yesterday, along with fellow Raw superstar, Rhyno.
Hardy's WWE career began as am enhancement worker, along with his brother, Jeff, in the mid-1990s. Soon, the two would become a tag team, gaining the Tag Team Championships under the guidance of Michael Hayes. The brothers would go on to gain several Tag titles and become one of the most popular groups, forming Team Xtreme with Lita. Along the way, Matt held the WWE Hardcore Title as well.
After the brothers split in 2002, Matt would enjoy singles success with his Version One gimmick, which included a run as WWE Cruiserweight Champion. He would eventually end up on Raw, where he was last seen on WWE TV in a feud with Kane over Lita. Matt had been recouperating from a knee injury for several months prior to his release.
Jon Waldman has been with SLAM! since 2000. Stay tuned to SLAM! Wrestling for more on the situations involving Matt Hardy and Rhyno.


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Bananas Foster Pie
I love peanut butter with banana, so it only made sense to me to create a pie with that combination. I also used the flavors of banana's foster to create this delectable pie.—Emily Hobbs, Ozark, Missouri
Total TimePrep: 45 min. + chilling
Makes8 servings
- 1-1/2 cups crushed vanilla wafers (about 45 wafers)
- 1/4 cup butter, melted
- 2 tablespoons butter
- 1/3 cup all-purpose flour
- 2/3 cup packed brown sugar
- 3/4 teaspoon ground cinnamon
- 1/4 teaspoon salt
- 1/4 teaspoon ground nutmeg
- 2 cups 2% milk
- 4 large egg yolks
- 1/3 cup creamy peanut butter
- 1 tablespoon dark rum
- 1 teaspoon vanilla extract
- 3 medium bananas
- Whipped cream, caramel sundae syrup and chopped salted peanuts
- Combine the wafer crumbs and butter; press onto the bottom and up the sides of a greased 9-in. pie plate. Bake at 350° for 8-10 minutes or until crust is lightly browned. Cool on a wire rack.
- In a large saucepan, melt butter. Stir in the flour, brown sugar, cinnamon, salt and nutmeg until smooth. Gradually add milk. Bring to a boil; cook and stir for 2 minutes or until thickened. Remove from the heat.
- Stir a small amount of hot filling into egg yolks; return all to the pan, stirring constantly. Bring to a gentle boil; cook and stir 2 minutes longer. Remove from the heat. Stir in the peanut butter, rum and vanilla.
- Slice bananas into the crust; pour filling over top. Refrigerate for 3 hours or until set. Garnish as desired with whipped cream, caramel syrup and peanuts. Store leftovers in the refrigerator.


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A federal grand jury in Idaho has indicted the former president and three top executives of a failed Boise-area real estate company on charges that they misled investors and conspired to dupe them out of millions of dollars during the economic downturn.
Assistant U.S. Attorney Wendy Olson announced the indictment Wednesday against Douglas L. Swenson, who was the founder and president of DBSI Inc. and a group of other related companies.
Swenson, along with DBSI's general counsel and two other officers, are accused in the 83-count indictment of conspiracy to commit securities fraud, wire fraud, mail fraud and interstate transportation of stolen property. Swenson is the only one also indicted on conspiracy to commit money laundering.
The others indicted are Mark Ellison, 64, co-founder and general counsel for DBSI; and David D. Swenson, 35, and Jeremy S. Swenson, 40, both of whom served as assistant secretaries for the company.
Olson alleges the executives misled investors nationwide in 2007 and 2008 by suggesting DBSI was a profitable company with a net worth of $105 million. But while telling investors one story, the indictment alleges the men knew that the company's businesses were floundering and they were relying on money from new investors to pay returns to other DBSI investors.
"Investment fraud undermines markets, bilks investors of promised returns and creates unnecessary loss at a time when our economy is struggling to recover," Olson said Wednesday.
The indictment culminates a four-year investigation headed by the FBI and Internal Revenue Service, and it was unsealed one day after federal prosecutors reached a plea agreement with Gary Bringhurst, DBSI's former chief operating officer.
Bringhurst, 46, has agreed to plead guilty to one count of conspiracy to commit securities fraud for falsifying financial statements used to artificially bolster the company's financial standing and mislead investors about how their money would be used, according to court documents.
It wasn't clear whether Bringhurst will testify against his former colleagues.
DBSI was originally founded in 1979 and grew into a conglomeration of companies, including DBSI Housing, DBSI Securities and a separate company that invested in technology startups. Before filing for bankruptcy in 2008, the company managed more than 240 commercial properties across the country - many of them strip malls - and had more than 8,500 investors.
One of the business models DBSI used is a so-called tenant-in-common investment, in which properties are sold to several investors who then become owners of a fraction of a specific property.
The company's commercial properties and nonpublic offerings cited in the indictment cover six states: Virginia, Illinois, Georgia, Missouri, North Dakota and Texas. The company also owns a variety of mall properties in southwestern Idaho.
Douglas Swenson's Seattle attorney, Angelo Calfo, said the government's case is misguided and that the company's downfall was tied to the recession rather than criminal shenanigans. Calfo also countered that DBSI was open and transparent with potential investors about the risks of playing in the commercial real estate market.
"Nobody wanted to DBSI to succeed more than Doug Swenson," Calfo said. "The government's portrayal of DBSI reflects a fundamental misunderstanding of DBSI's business model and paints a false picture, as will be demonstrated at trial."
The indictment specifically alleges the defendants:
- Withheld accurate financial information and took steps to conceal the company's true financial position from investors, financial advisers, broker dealers and due diligence officers.
- Defrauded investors of $89 million from a 2008 notes offering and concealed more than $200 million in loans to technology startup companies, a step alleged to misrepresent company assets.
- Made false and fraudulent statements to secure loans for commercial real estate projects in Georgia and Illinois.
Besides criminal penalties, the government is seeking forfeiture of properties and company assets totaling $169 million.


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|14 May 2011
You're most welcome Abhinav, and welcome to Seven Forums. :)
|My System Specs
|20 Sep 2011
Windows XP
Compatibility Mode Unavailable?
Is there a function that will turn off the Compatibility View option? The icon is not showing up next to the address bar, and the Compatibility View and Compatibility View Settings options are not available under the Tools menu. Is it possible to turn those off in the IE Options or the registry somewhere?
Windows XP running IE 7.
(To clarify, I'm asking if there is a way to do that so I can undo it, I need to enter compatibility mode and can't figure out how.)
Thank you.
|My System Specs
|20 Sep 2011
Hello RPV11, and welcome to Seven Forums.
The Compatibility View setting in this tutorial was introduced in IE8, and is also available in IE9 and the future IE10 when released.
It is not available in your current IE7. I would recommend to install your Windows Updates to upgrade to the latest version of IE.
Hope this helps,
|My System Specs
|13 Feb 2013
Wndows 7 Home Premium 64-bit
Compatibility View Button Disappeared
Excellent tutorial on switching IE9 Compatibility View On/Off. However, I have a different problem, and I cannot find a way to solve it.
I think I clicked my Compatibility View button off. Now I cannot find a way to redisplay it next to the Refresh button.
Does anyone know what I have to do to turn it On again?
Kind regards,
|My System Specs
|13 Feb 2013
Hello Retired Engineer,
No worries. You didn't do anything that broke it.
The compatibility view button will only display if IE detects an issue on the webpage that compatibility view may help with.
Otherwise, you will still be able to manually add and remove a webpage to the compatibility view list using Option Two or Option Three.
Hope this helps, :)
|My System Specs
|03 Jan 2014
I was wondering if someone were to turn off the CV through the Developer Tools (F12) and change the browser mode, whether this would prevent websites on the Compatibility list from being shown in CV?
Or would the feature continue to operate as normal and override this change?
I am developing a site that needs the CV off in order for all components to work properly and am looking for the best way to instruct users to turn off CV whilst on the affected pages and how they can then continue to have the feature working after that.
Thanks in advance.
|My System Specs
|03 Jan 2014
Hello Anpotter, and welcome to Seven Forums. :)
By default IE CV is already turned off for websites unless the site is added to the CV list.
|My System Specs
|06 Jan 2014
Hi Shawn,
Thanks for your reply.
Does this mean that if I go onto a website which on the list (hence viewing it in CV), and then revert to view it normal IE view, proceeding on that browser window to another website which is on the list will mean it automatically goes back to CV [if that is clear]?
|My System Specs
|06 Jan 2014
That's correct. :)
Only the websites added to the IE CV list will automatically be viewed with CV turned on the next time you visit them.
If you turn off CV for a website using Option One or Option Two, it will also remove the website from the IE CV list.
|My System Specs
|08 Feb 2014
Windows 7 Home Premium x64
Google Plus seems to hate Compatability view.
Is there any way to disable the function altogether?
Turning it on and off does not seem to affect the fact that we get a red bar on Google Plus in some software that uses IE as the 'inbuilt' browser.
The Red Bar implies that 'You have enabled iIE Compatibility View. Google + works best when it's turned off.'
The fact is that I have never enabled it for any site. I need to disable it
Any relevant Registry Keys?
|My System Specs
|Thread Tools
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What does each internet explorer compatibility mode do? i.e quirks
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|Browsers & Mail
Internet Explorer Compatibility View Updates
How to Receive Internet Explorer Compatibility View Updates This will show you how to receive or not receive Internet Explorer Compatibility View updates through Windows Updates (typically, every 2 months) for a list of web sites that should be displayed in Compatibility View. These list...
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Tuesday, January 22, 2013
Room 2022 Thayer Building, 202 Thayer
This presentation offers a non-theological way to read the Qur'an from a literary and historical perspective. The main characteristics of this approach are 1) a chronological reading of the text in the order of its original delivery, rather than the current canonical order; 2) close attention to inter-textual connections to earlier religious writings; and 3) exploration of ring structure or symmetrical composition as a way of locating central passages. These techniques offer readers new ways to understand a text that often has proved to be baffling and forbidding.


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Pondering the high power LED daytime running light or HID conversion kit? Contemplating trying a new color of interior lights? If the answer is yes and the money is tight, here is your best chance. IJDMTOY is offering a 15% off deal for orders above $50 with additional discounts on selected items. The deal is valid both in store and online, and can be redeemed by using promotion code "HERO" at checkout.
More than 20 LED products are put on special sales. iJDMTOY' now offers its HID conversion kit at just 67.99 with slim digital HID ballasts, comparing to the original price of $129.99. The 5-SMD T10 LED bulbs for license plate and interior lights, originally priced at 15.99, now are just $9.99 with coupon code HERO. You will also find great savings on Audi-Style LED strips and error-free LED bulbs.
The site-wide happens only twice in each year. Check out the Memorial Day Sale at http://store.iJDMTOY.com for 15% to 50% discount.
Brought to you by www.iJDMTOY.com, the one and only one automotive accessories store for all your Car LED Lights. Follow us on Facebook for special discount and product upgrade information.


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protection, practice of regulating imports and exports with the purpose of shielding domestic industries from foreign competition. To accomplish that end, certain imports may be excluded entirely, import quotas may be established, or bounties paid on certain exports. One method is to impose duties on imports (see tariff), increasing the price of the imported article, and making it less attractive to the consumer than the cheaper, domestically produced article. In the 20th cent. Britain used a system of protection known first as imperial preference and later as Commonwealth preference, designed to promote close economic relations between Britain and former colonial dependencies. The United States, however, followed the policy of protecting
"infant industries"
from the beginning of its national history. Since bounties on exports are forbidden by the Constitution, the protective tariff was the chief instrument of such policy. A brief attempt was made in 1913 to lower duties, but after World War I tariff rates were raised to the highest point in U.S. history. Although American industries had grown to a position of great strength, it was still held that they needed protection from the cheaper labor and lower costs of production in many foreign countries.
To promote freer trade during the Great Depression, President Franklin Delano Roosevelt received authorization in 1934 to negotiate reciprocal trade agreements, reducing tariff rates on a far-reaching basis through the use of the most-favored-nation clause. After World War II, the United States played a leading role in the formation (1948) of the General Agreement on Tariffs and Trade (GATT) and in negotiating the several rounds of multilateral tariff reductions, most recently (1986) the Uruguay round, which led to the formation of the World Trade Organization. Other important steps in the movement toward freer trade and away from protection include the formation of the European Economic Community (or Common Market; now part of European Union) in 1957 and the European Free Trade Association in 1959. In 1992, the United States, Canada, and Mexico negotiated the North American Free Trade Agreement (NAFTA), which created the world's largest trading zone.
Although the United States is no longer a high-tariff nation, it still has a number of restrictive import quotas that provide a definite limit on the quantity of a given commodity that can be imported from another nation. Japan, one of the world's major industrial nations, also has many import quotas. Such quotas, in addition to being more certain methods of protection than tariffs, can also be used to favor certain nations over others.
See W. M. Corden, Protection, Growth and Trade (1985); J. N. Bhagwati, Protectionism (1988).


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Memphis TN's Lyricist D.D THE KID Shows Off His Versatile Skills [User Submitted]
D.D THE KID Sicktape Vol.2 Kid N Play Dec.26 DATPIFF.COM
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Then, there was Wilson's habit in practice of double-checking every play call with offensive coordinator Darrell Bevell before he ducked back into the huddle.
"He did it so regularly, it seemed to be like he wasn't really getting the flow of the call and it was taking a little bit extra time," Carroll said. "I said, 'Russ, do you realize that you're always asking for a clarification on the call. Do you really need that?' He goes, 'No.' I said, 'Well, it's kind of hindering the fluid process.' He said, 'OK.' And it never happened again.
"The next four or five days we watched him, just to see if he could do it. Didn't happen. So now if he steps out of the huddle for something, he does it because he might need a clarification, he might be correcting a coach, or whatever. The point is, he can fix whatever he needs to fix. That's an extraordinary characteristic for a young guy."


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The competition on The Four: Battle for Stardom is as intense as ever, especially as we are at the finale point. But when The Four aren't rehearsing, or on stage trying to defend their chairs, they're singing off stage. And this time with singer/songwriter/YouTuber Alex Goot.
Alex met up with the final Four: Zhavia, Candice Boyd, Evvie McKinney, and Vincint Cannady to create something really special: a cover of Selena Gomez & Marshmello's "Wolves."
Alex sat down with Zhavia, Evvie, Vincint, and Candice during a creative session to work towards incorporating all their amazing, unique voices into the cover.
In a behind-the-scenes video of how the cover came together, fans get a look at how the final Four interact with each other, and work together. Vincent said of working with Alex, "I've been a fan of his for a while. I've watched his YouTube channel blow up, and I've seen the collaborations he's done."
Alex has grown a tremendous following on YouTube, and he explains of his process, "Doing cover songs, I listen to the song about 300 times in a row, vibe out to it, see what kind of chords I could change up, [and] try to feel out what the lyrics are trying to say."
In addition to talking about the great talent of their competitors, each of The Four opened up about what music means to them. Zhavia said, "Music is my passion. It allows me to express myself," while Vincint explained, "It's the one thing that makes me feel safe." Evvie added, "No matter what is happening in life, if I have music, I'm gonna be alright."
Check out Alex Goot & the Four's Marshmello & Selena Gomez "Wolves" cover above!
For exclusive coverage of The Four: Battle for Stardom head HERE and keep up to date on who the next big superstar is.


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Victor Zue, the Delta Electronics Professor of Electrical Engineering and Computer Science at MIT and the director of International Relations for CSAIL, has been named the 2012 recipient of the Okawa Prize. Zue was honored for his "pioneering and outstanding contributions to speech science and conversational spoken-language systems."
In the early part of his career, Zue conducted research in acoustic phonetics and phonology, codifying the acoustic manifestation of speech sounds and the phonological rules governing the realization of pronunciation in American English. Subsequently, his research interests shifted toward the development of spoken language interfaces to make human-computer interactions more natural. Between 1989 and 2001, he led the Spoken Language Systems Group at the MIT Laboratory for Computer Science, which has pioneered the development of many systems that enable a user to interact with computers using spoken language.
Zue's current research interests are in the area of applying human language technologies to enable easy access of structured and unstructured information from the Web, especially in application areas such as education and health care.
Zue is a fellow of the Acoustical Society of America, and a fellow of the International Speech Communication Association. He is also a member of the U.S. National Academy of Engineering, and an Academician of the Academia Sinica.
Presented annually by the Okawa Foundation for Information and Telecommunications, the Okawa Prize is intended to pay tribute to individuals who have made outstanding contributions to the research, technological development and business in the information and telecommunications fields. Past winners of this award include Professor Tomaso Poggio.
The prize includes a certificate, a gold medal, and a 10 million yen cash award.
For more information on Zue's work, please visit: http://www.csail.mit.edu/user/1522.


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Get fast $ 1000 www WireMyPay.com North Hempstead New York low interest Get $700 tonight fast wire transfer. You can also apply quick $ 800 WireMyPay.com Approved Code Mesa Arizona within next business day .
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W.Va. diocese joins call for expanding Medicaid
CHARLESTON, W.Va. (AP) — The leader of West Virginia's Roman Catholic community has joined the chorus urging Gov. Earl Ray Tomblin to expand Medicaid to cover more low-income residents.
Bishop Michael J. Bransfield wrote the governor Friday, citing deep concerns about the health and wellbeing of West Virginians he's developed in his eight years with the Diocese of Wheeling-Charleston and its 83,000 or so Catholics.
"Catholic social teaching supports adequate and affordable health care for all," Bransfield's letter said. "Our national and state health care policy must protect human life and dignity, not threaten them, especially for the most voiceless and vulnerable."
The federal health care law calls on states to open their Medicaid programs starting next year to cover people earning up to 138 percent of the federal poverty level. That's around $32,500 for a family of four.
Nearly two-thirds of West Virginians without insurance would qualify, or around 166,000 people. Expansion supporters estimate at least 100,000 would enroll.
When it upheld the law, the U.S. Supreme Court also ruled that states could choose not to expand and still keep current federal Medicaid funding. At least 14 states have since done so. Tomblin is one of only two Democratic governors who have yet to decide whether to expand.
About 18 percent of West Virginians rely on Medicaid for health care, the 12th-largest program among the states when measured against population. But the state also has one of the strictest eligibility policies. Adults must have children and earn no more than 35 percent of the poverty line, or around $8,240 for a family of four. As a result, most West Virginians on Medicaid are blind or disabled, seniors or children.
The program's existing costs — Tomblin has budgeted $900 million for the state's share of its funding in his proposed 2013-2014 spending plan — has prompted the governor to await an analysis of the financial pros and cons of expanding. Spokeswoman Amy Shuler Goodwin said the administration continues to review available information "so we may make the best decision for the state."
"We are pleased to see so many organizations involved in this important discussion," Goodwin said Monday.
Federal dollars already cover nearly two-thirds of West Virginia's Medicaid costs. The federal law promises full funding of expansion for the first three years, with the state's share gradually increasing to 10 percent by 2020. Bransfield wrote that the estimated 3.2 percent increase in the state's spending is worth the resulting health care access.
"Such an effort underscores West Virginians' traditional concern for the dignity of all," his letter said of expansion. "It reflects the teachings of Our Savior who in his own life and work reached out to heal the sick and care for the poor."
Bransfield noted that other U.S. bishops have endorsed Medicaid expansion. Supporters of increasing access to West Virginia's program include the "Our Children, Our Future" coalition of child advocacy groups.
Follow Lawrence Messina at http://twitter.com/lmessina
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