The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

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Seizure”, a journal produced by the British Epilepsy Association ,indicates that one of the active ingredients in marijuana, cannabidiol, significantly reduces seizure risk in epileptics.

There is increasing evidence that among the many diseases helped by medicinal marijuana is epilepsy. Historically, epilepsy has been very difficult to treat. Part of the problem is that sixty percent of suffers don’t know the cause. Unless there was some obvious head trauma, the cause of epilepsy goes undiagnosed. Currently treatment options are limited. There are a handful of drugs that help prevent the seizures associated with epilepsy. These include: Tegretol, Dilantin, Klonopin, Mysoline and Zarontin. Unfortunately, all of these drugs come with horrible side effects. Potential for conditions such as anemia, headaches, hair loss, depression, psychosis, and impotence cause many suffers to reject pharmaceutical treatment for their illness. Many users of these drugs report a negative lifestyle change compared to untreated epilepsy. Some of them even had to use drug detoxes to save themselves from drug poisoning The most common non-pharmaceutical treatment is known as the Ketogenic Diet. The Ketogenic Diet is a treatment that was popular throughout the early twentieth century, and is making a come back. The diet is similar to Atkins in that it is high fat, low carbohydrates. This causes the body to go into starvation mode which seems to reduce the amount of seizures. For obvious reasons starving epileptic children is not ideal but is experiencing resurgence due to the side effects of epileptic drugs. That is why new evidence that marijuana can be as effective as pharmaceuticals, without the side effects is so exciting. The two main compounds that researchers have identified are Cannabidiol and GWP42006. These two compounds that are found in marijuana have been proven to help epilepsy in animals. Unfortunately, human testing of this treatment could take as much as three years to receive government approval. A recent study has shown that 21% of epilepsy suffers have taken it upon themselves to treat their symptoms with marijuana. Almost all will attest to its beneficial properties. The government and the drug war turn sick people looking for treatment into criminals. It is unconscionable and inhuman. Dr. Ben Whelley lead the research team studying marijuana’s effects on epileptic animals. He believes that the reason for government denial of medical marijuana is caused by -a stigma associated with cannabis that comes our from the 60s and 70s associated with recreational use, so people have tended not to look at its medical benefits.-

December 29, 2022

At first glance, higher education today might seem like a woman’s world.

Government officials have warned that men will face a struggle for good jobs in future as teenage boys shun university.

In 2006, 22,500 more young women than men went on to higher education. Ministers are increasingly concerned at the widening gender gap in higher education. Employers increasingly look to hire staff with degrees.

Consequently, men might find themselves marginalised in the jobs market.

Girls have been outperforming boys at GCSE, A-level and in university for years. But now girls are doing better at work too, earning more than boys in the first eight years of their careers.

In 2005, 80% of girls passed national curriculum tests in English, compared with 67% of boys.

At A level, girls passed 23.9% of exams at grade A, compared with 21.5% of boys. According to Higher Education Funding Council for England Figures last year showed 47% of 17-30 year-old women had gone into higher education in 2004, compared to 37% of young men.

Hefce chief executive Professor David Eastwood said: We need to understand better why this is happening and start taking some action sooner rather than later.

Higher Education Minister Bill Rammell said The government has introduced a number of strategies to address the gap in gender achievement and to raise the performance of all pupil.

The Raising Boys’ Achievement Project which looked at exciting and innovative ways of raising achievement across a range of primary, secondary, and special schools to identify and evaluate strategies which are particularly helping motivating boys.

Schools will be better able to address underachievement in the performance of boys and girls if they know when and where they emerge. A careful analysis of data, mapping the development of male and female pupils, particularly the value-added data, including a breakdown of data by key pupil sub-groups, will enable schools to plan when and how to intervene. Schools should monitor pupils progress regularly by gender.

December 29, 2022

Most students know someone who’s gone oversees to study abroad but most have never considered the option for themselves. There are many advantages to spending a semester in another country, but is this right for you or your child? First and foremost, what is study abroad? The basic premise is to travel to another country and continue normal studies while also learning about the country’s culture, history and language. Students who study abroad must normally have a certain amount of school credit hours to qualify for the opportunity; must be willing to be gone for either a semester, summer or year; and must typically pay their own way unless they’re on scholarship. Before deciding to take this journey, both students and parents are interested in hearing the advantages of this option. So what are they?

One major benefit in most people’s minds is the opportunity to experience a different culture for a short period of time. The student will have the chance to become accustomed to new foods, arts, music, history, political systems and holidays. Another plus is if you decide to travel to a country whose national language you’ve studied, you’ll be able to gain first-hand experience putting that language to use. The best way to become fluent in a language is to put it into practice; what better way to do that than to rehearse it in its natural environment? Having this kind of practice with a foreign language can look very good to a perspective college, grad school and even to future jobs.

The ultimate way to ensure you’re choosing the right plan is to be absolutely comfortable with the overall idea. If you don’t like leaving home for a couple of days, odds are high that adjusting to studying abroad would take some time. It’s critical to weigh your options. Obviously it’s natural to fear becoming homesick, but most students who’ve chosen to study abroad find that they’re so busy participating in amazing new opportunities that the time flies by and home is a faraway thought.

If you’ve weighed your options and decided the journey will benefit you, be sure to check out your options as far as programs go. Most high schools and colleges offer their own programs, but if you choose to go another route or if you’re home schooled then you’ll want to do plenty of Internet research. Terra Education is one option for those wishing to participate in a high school study abroad program. Regardless of which choice you go with, remember that you’re experiencing a once-in-a-lifetime opportunity and you should take full advantage of it. Put yourself out there and gain as much as you can from from the experience. Safe travels!

December 29, 2022

An auto parts salvaging yard is utilized to store and scrap cars that are either old, unused or in poor condition. These business entities will store these unused automobiles in systematically organized rows to promote better efficiency. Machines are normally a part of the process. They are used to flatten these vehicles and make them more compact for easier storage. Whenever there are functioning parts present within the vehicle being scrapped or stored they will usually be taken out and sold. Nowadays, cars that are stored are inventoried using special codes that are entered in a computer database to improve the searching for and organization of these vehicles.

The parts that are removed include the more peripheral parts like the headlights, mirrors, tail lights, blinkers etc. If these are in in relatively good condition then they may be sold to prospective customers. The more vital parts like the transmission and engine are often purchased by car manufacturers who may recondition these parts and sell them with a special warranty. Some older cars are maintained to the liking of classical car enthusiasts. Because these older car parts are probably no longer manufactured, salvage yards may gain a good profit from the sale of these seldom seen parts.

Kentucky does not deviate from most other states where salvage yards are concerned. It boasts a viable auto parts salvaging industry. Most junk yards or wreck yards will normally integrate a useful salvaging practice into their regular operations. However for any salvaging yard to operate within Kentucky or any other state appropriate licensing by the associated state authorities is a must. If you are interested in accessing parts from a salvaging yard and live in Kentucky, then you may simply search online which has a great listing of multiple salvage yards that operate in the state. It is important that once you have an interest in acquiring parts from a salvage yard that you comparison shop to get the best parts and prices.

Many small businesses often ignore the minor glitches which cause major problems in their small businesses. There are people or situations which we often get used to and ignore, without realizing that they may be the main cause of a crisis situation. You could be strangling your small business growth without even realizing it.

Organizational growth demands updated strategies every quarter. It does not matter whether you are self-employed, running a home-based business or an employer. Leaders have to implement organizational updates every now and then in order to enhance growth strategies and speed up the entire growth process. Some hire help, while others acquire business cash advance in order to progress and expand.

We have created a list of how you can upgrade your growth strategies and take your small business to the next level. Firstly, you should

Remove the outlived
There might be services being offered and products being produced which may not be of any value to your business. You need to make a list of such services which no longer add value to your small business growth and have outlived the market demand.

Re-organize and strategize companys strategic goals
Reevaluate whether your mission statement matches your goals or not. You will know how much work being done is irrelevant to your small business needs and market demand. Redefine your objectives in pragmatic measureable terms.

Distractions and competitions among your employees is another point which should be considered. Other issues may have distracted them from your small business goals. There may be continuous concerns hampering growth among the employees and creating problems in their professional relationship and everyday work.

Create different ways to leverage employee talents
Work efficiency can only be improved by leveraging employee talent in different areas. Set meetings with them; ask them what they want to do and how they can add value to your companys goals. Help them review their skills in order to sharpen them. There might be unproductive or negative employees, but firing them may not be the solution. Hence, move them to positions and projects where their skills can be utilized effectively.

Check the Budget Lists
In many cases you subscribe, acquire business loans, purchase and hire help which may not be required by the company anymore. And all these might be charging you a lot of cash without you even realizing it. To save your working capital, these budgetary leaks should be evaluated and diminished. Conducting a quarterly review is extremely useful, knowing where your money is going will help you fight the unnecessary charges involved and will help you improve your credit score. Check your taxes and be ready for the upcoming TAX season.

Water is an incredibly important aspect in our day to day lives. It helps in purification of the body, along with supplying us the much needed hydration that is good for our bones, skin and so much more. Water can be drunk from the tap, steams, or even appliances via a filter. To get the most out of your daily water habit, you might want to look into a water ionizer. AN ionizer introduced you to the same water you’ve been drinking for years, with additional nutrients that your body needs to function properly and in a healthy way.

A water ionizer works in a variety of different ways, but most importantly, it breaks down water so it can be easily absorbed into your body. The breakdown is done chemically through a variety of alkalies. When the water is broken down, you can absorb it into your system easier, thus be more hydrated and feel great. Regular water from the tap has some impurities and water from a purifier isn’t broken down for proper absorption. An ionizer gives you the best of both worlds as you have fresh, clean water that will properly be absorbed into your system. This will aid in any dehydration your body will face.

When choosing water ionizers, you will want to take careful consideration and do your research. You will want an ionizer that is reputable, affordable, and will last over numerous uses. It is a great investment to have, so putting more money into a better model may be a great investment. Water is necessary for our everyday lives, so it will be worth it to spend a little extra. How an ionizer works is that water is fed through the ionizer through filters that will remove impurities and other non-essentials. Water will then go through what is called electrolysis. This is the combination of positive and negative electrodes that will give a very low voltage of electricity. The water is then separated into acid and alkali components. The alkaline water will be what you drink to hydrate yourself.

When deciding between an appliance with a built in water filtration system, or getting a separate ionizer for your water, you may want to carefully consider the benefits and differences. A water ionizer is better for your overall health. It can also be much easier to maintain, and will be more cost efficient in the long run. A majority of our bodies are comprised of water and we are required to drink 8 glasses of water a day. Many of us, unfortunately, do not get that much water in our systems. Do yourself a favor and give your body the best kind of water when you do drink.

Many small factors determine the actual cost in involved with auto insurance. Paying attention to such details will markedly minimize the expense of insuring your vehicle.

The law in most places requires of the vehicle driver to carry an auto insurance policy and many people approach it something as something that must be done but preferably avoided. Often then, they go to the same place every year possibly not aware of important savings that are available to them.

One of the simplest things to do is just to have a look around. It is not that difficult to get a few quotes from a few insurance companies around in order to notice which one provides the best features for the dollar. These days with the wide spread of the Internet such task is made very easy and insurance quotes can be received in few minutes right on ones own personal computer.

One of the things insurance companies often do in determining the client’s cost of the insurance premium is looking up his or her credit history. So having it improved can obviously save money. Credit management is a whole other topic but briefly here – anyone is entitled to free credit score report on oneself up to once every 12 months. Each of the credit reporting agencies being Equifax, Experian, and TransUnion are obligated by law to comply with such request.

How knowing the score can be to advantage? Well, each of the positive and negative remarks in the report have expiration date therefore applying for insurance after a negative one expires can by itself lower the insurance premium. Otherwise, obviously, paying the bills on time is the main factor in keeping the score on the high side.

Also you don’t need to pay for fancy or frequent credit reports basic one is all that is needed. And once we are on that topic – there are some companies around that say they offer a ‘free’ credit report while it is not free at all – the fine print states that an annual ‘membership fee’ needs to be paid in order to obtain that ‘free credit report’. So that is something to certainly be careful about.

And last but not the least idea for saving on auto insurance premiums has to do with the fact that not all the car models are considered equal by the insurance companies. For instance vehicles that statistically show to be stolen the most will also carry higher insurance cost. And if the particular car parts tend to be more expensive so then will be the insurance.

The budgetary allocation for india education, should be revised every five years, Right now, the money allocated for education is far too inadequate. We need to set apart at least 10 per cent of the GDP to meet the educational requirements of india. Inviting private players will turn the education sector into an educational bazaar. They are interested only in making money and lure students with false promises.

People who impart education should be able to identify with the students and display an active interest in their future. If the corporate houses are really interested in making a contribution to the india education sector, they should provide money to the government or institute scholarships or fellowships for the students. The point is if the government really has the will, then it can find the money.

The salaries of professors in colleges should be fixed at reasonable levels. The government will actually be saving money by rationalising salary structures and this money can then be spent on providing quality education to students. The government is also not filling up existing vacancies in universities and colleges. The money thus saved can be diverted for educational purposes as well. The disparities in salary levels become more glaring among guest lecturers. Even after the recommendation of the University Grants Commissions pay review committee that guest lecturers be paid a salary of Rs 25,000 per month or Rs 1,000 per lecture, they are at present offered just Rs 200 to 300 for every lecture. Even the various teachers associations are not talking about the poor salaries doled out to the guest teachers.

Another important point is that india education should percolate down to the grass-roots if it has to have the desired effect. The government, instead of helping the poor to get educated, is withdrawing financial support for the education of the downtrodden. Nearly 30 years ago even people living in rural areas could access good education because the fees were very low. The government also displayed a relatively more positive attitude towards imparting education..

Today, people are going to big cities to pursue higher education after paying exorbitant fees. Even then, very few enroll for higher education in india. Schools and institutions of higher education in india should be allotted sufficient amount of money to take care of the requirements of the student community in rural areas. Education must not remain in urban areas alone, It has to reach the village level.

There are plenty of websites on the internet for children who want to play kids pc games. However, many of the games kids can play are not age-appropriate and have little or no benefit to the childs development. Some can even be violent and harmful to children, teaching them wrong and misguided messages. The best kids games on the internet manage to include educational benefits and this is particularly important in games for young children. Preschool games especially can easily incorporate education and psychological benefits while providing a fun experience. It is easy for a learning game to be a fun game!

Flash technology has aided this process greatly and many kids flash games are bright and fun. The best kids flash games help with language, numeracy and motor-neurone skills amongst many other benefits. Adventure games for kids can often take them to far and distant worlds, while providing excellent benefits, and not just for their imagination!

A good learning game will be primarily entertaining and actively engage the child. Some internet games for kids and learning games for kids miss out this important aspect, feeling more like homework. The best kids games wont seem like that at all, they will just be enjoyable and fun. Kids flash games are a great way to do this, they are easy to build and can easily be made appealing.

Many childs games include aspects which help to teach them the consequences of their actions, which is a very valuable lesson at any age. They can also teach some of the fundamental principles of life and many of the best kids games involve scenarios applicable to real life. For example a game where the child has to dial 999 to call an ambulance not only helps their mouse control and number recognition, but also teaches them what to do in a an emergency. Adventure games for kids often include many of these aspects, taking children on a learning adventure, as well as a fun one.

A truly engaging learning game can be a great tool, and parents should definitely consider kids pc games when entertaining their children.

Online Preschool games have often been harder to find than games for young children of school age, with many sites targeting the four-plus market. However, preschool games are becoming more and more popular. So if you want to keep your children amused while at the same time knowing they are benefiting in a positive way, educational internet games for kids can combine both learning and fun.