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cmac
Posted on: Mar 14 2010, 10:48 PM





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Going to Costa Rica in a week for two weeks. Anyone have any tips?
  Forum: Off-Topic · Post Preview: #131721 · Replies: 102 · Views: 67,008

cmac
Posted on: Jan 8 2010, 11:59 AM





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Cue the "Congrats Tide, you lost to a freshman qb" comments.
  Forum: College Sports · Post Preview: #131687 · Replies: 1 · Views: 29,298

cmac
Posted on: Oct 19 2009, 12:15 PM





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you want your voicemails made public?
http://www.google.com/search?q=site%3Ahttp...lient=firefox-a

i gave all mine away, sorry...
  Forum: The Nerdery · Post Preview: #131600 · Replies: 4 · Views: 3,571

cmac
Posted on: Oct 8 2009, 12:22 PM





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even impala is gone sad.gif
  Forum: Off-Topic · Post Preview: #131532 · Replies: 33 · Views: 21,212

cmac
Posted on: Oct 7 2009, 10:44 AM





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word
  Forum: Off-Topic · Post Preview: #131524 · Replies: 33 · Views: 21,212

cmac
Posted on: Sep 8 2009, 08:48 AM





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rabbit ears is by steamboat right?
i've been through there on atvs and horseback quite a bit. nice area.
  Forum: Off-Topic · Post Preview: #131428 · Replies: 7 · Views: 1,791

cmac
Posted on: Sep 7 2009, 11:32 AM





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yeah a group of people. i've had lots of avalanche training so i'm pretty familiar with what to do and what not to do.
yeah, i'm in colorado. i'm not sure exactly of the laws in certain backcountry areas, but i do know that it goes on a lot, specifically vail and loveland pass and around st. mary's glacier.
cool, thanks for the info. gives me a place to start. i'll probably post some stuff on here once i find a few things. get your opinion.
  Forum: Off-Topic · Post Preview: #131422 · Replies: 7 · Views: 1,791

cmac
Posted on: Sep 6 2009, 11:28 AM





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Yo, I want to buy a used sled for this winter to get me into some untapped backcountry powder to board. I don't know anything about snowmobiles. What should I look for? What's the least bit of money I can get away with on craigslist or similar site? I'd like to try less than 4 grand.
  Forum: Off-Topic · Post Preview: #131418 · Replies: 7 · Views: 1,791

cmac
Posted on: Sep 4 2009, 09:35 AM





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QUOTE (Spectatrix @ Sep 4 2009, 08:29 AM) *
I read an interesting article the other day on San Francisco's public health care program that went into effect last year. I've been meaning to do some more research into it, but haven't gotten a chance to yet. Here's the article if anyone cares to take a read: http://www.nytimes.com/2009/08/22/opinion/22dow.html

cause registering at the nyt sucks.

QUOTE
TWO burning questions are at the center of America's health care debate. First, should employers be required to pay for their employees' health insurance? And second, should there be a "public option" that competes with private insurance? Answers might be found in San Francisco, where ambitious health care legislation went into effect early last year. San Francisco and Massachusetts now offer the only near-universal health care programs in the United States.

The early results are in. Today, almost all residents in the city have affordable access to a comprehensive health care delivery system through the Healthy San Francisco program. Covered services include the use of a so-called "medical home" that coordinates care at approved clinics and hospitals within San Francisco, with both public and private facilities. Although not formally insurance, the program is tantamount to a public option of comprehensive health insurance, with the caveat that services are covered only in the city of San Francisco. Enrollees with incomes under 300 percent of the federal poverty level have heavily subsidized access, and those with higher incomes may buy into the public program at rates substantially lower than what they would pay for an individual policy in the private-insurance market.

To pay for this, San Francisco put into effect an employer-health-spending requirement, akin to the "pay or play" employer insurance mandates being considered in Congress. Businesses with 100 or more employees must spend $1.85 an hour toward health care for each employee. Businesses with 20 to 99 employees pay $1.23 an hour, and businesses with 19 or fewer employees are exempt. These are much higher spending levels than mandated in Massachusetts, and more stringent than any of the plans currently under consideration in Congress. Businesses can meet the requirement by paying for private insurance, by paying into medical-reimbursement accounts or by paying into the city's Healthy San Francisco public option.

There has been great demand for this plan. Thus far, around 45,000 adults have enrolled, compared to an estimated 60,000 who were previously uninsured. Among covered businesses, roughly 20 percent have chosen to use the city's public option for at least some of their employees. But interestingly, in a recent survey of the city's businesses, very few (less than 5 percent) of the employers who chose the public option are thinking about dropping existing (private market) insurance coverage. The public option has been used largely to cover previously uninsured workers and to supplement private-coverage options.

Through our experience working on health-care-reform efforts in California and Washington (one of us worked for President George W. Bush's Council of Economic Advisers), we have seen how concern over employer costs can be a sticking point in the health care debate, even in the absence of persuasive evidence that increased costs would seriously harm businesses. San Francisco's example should put some of those fears to rest. Many businesses there had to raise their health spending substantially to meet the new requirements, but so far the plan has not hurt jobs.

As of December 2008, there was no indication that San Francisco's employment grew more slowly after the enactment of the employer-spending requirement than did employment in surrounding areas in San Mateo and Alameda counties. If anything, employment trends were slightly better in San Francisco. This is true whether you consider overall employment or employment in sectors most affected by the employer mandate, like retail businesses and restaurants.

So how have employers adjusted to the higher costs, if not by cutting jobs? More than 25 percent of restaurants, for example, have instituted a "surcharge" about 4 percent of the bill for most establishments to pay for the additional costs. Local service businesses can add this surcharge (or raise prices) without risking their competitive position, since their competitors will be required to take similar measures. Furthermore, some of the costs may be passed on to employees in the form of smaller pay raises, which could help ward off the possibility of job losses. Over the longer term, if more widespread coverage allows people to choose jobs based on their skills and not out of fear of losing health insurance from one specific employer, increased productivity will help pay for some of the costs of the mandate.

The San Francisco experiment has demonstrated that requiring a shared-responsibility model in which employers pay to help achieve universal coverage has not led to the kind of job losses many fear. The public option has also passed the market test, while not crowding out private options. The positive changes in San Francisco provide a glimpse of what the future might look like if Washington passes substantial health reform this year.

William H. Dow, who was a senior economist for President George W. Bush's Council of Economic Advisers, is a professor of health economics at the University of California, Berkeley, where Arindrajit Dube is an economist at the Institute for Research on Labor and Employment and Carrie Hoverman Colla is a doctoral student in health economics.
  Forum: News, Politics, & Religion · Post Preview: #131395 · Replies: 28 · Views: 8,907

cmac
Posted on: Sep 4 2009, 08:46 AM





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QUOTE (impala454 @ Sep 3 2009, 07:22 PM) *
$700 still sounds like a ton... how many injuries have you had?? I have had three surgeries in the past five years or so and I am paying like $190/month. pretty good coverage too... have gone to some of the best specialists around the houston area.

two rotator cuff surgeries and an acl repair in the last three years, and then several one offs, broken ribs, wrists, dislocated elbows, concussions, etc.
all the surgeries were virtually free out of pocket and done by the best joint doc in the country out of Vail. their pro athlete list is impressive. they did arods big offseason hip surgery, bode miller, ronaldo, elway, rod woodson, greg norman, priest holmes, mario lemieux, joe montana, marino. i've always had the opinion that if i want to play hard that i need to go to the best place to get my body put back together. yeah it's expensive, but i use it. no sense half-assing it i guess.

QUOTE (impala454 @ Sep 3 2009, 07:22 PM) *
remind you of any other large percentages that come out of your paycheck?? wink.gif

what are you getting at? high taxes?
  Forum: News, Politics, & Religion · Post Preview: #131389 · Replies: 28 · Views: 8,907

cmac
Posted on: Sep 3 2009, 06:38 PM





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i know i pay roughly $700 a month for health insurance through my employer. i get injured a lot. a whole lot, so i chose an awesome package.
it would be cool if a large percentage of my paycheck didn't disappear for something that i may or may not use. but because i get hurt a lot, this seems to be the best way for me, because paying a company, or the government on my own would cost more.
correct?
  Forum: News, Politics, & Religion · Post Preview: #131372 · Replies: 28 · Views: 8,907

cmac
Posted on: Sep 3 2009, 06:28 PM





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cool. thanks dude.
  Forum: News, Politics, & Religion · Post Preview: #131371 · Replies: 28 · Views: 8,907

cmac
Posted on: Sep 3 2009, 12:09 PM





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Can someone explain to me in retard terms what we have now, what is being proposed, and what the consequences and benefits of each side are? The news web sites no longer report actual news.
Thanks in advance.
  Forum: News, Politics, & Religion · Post Preview: #131364 · Replies: 28 · Views: 8,907

cmac
Posted on: Sep 2 2009, 09:16 AM





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this web site wastes internet space sad.gif
  Forum: Off-Topic · Post Preview: #131356 · Replies: 30 · Views: 5,971

cmac
Posted on: Aug 28 2009, 02:28 PM





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just didn't know what exactly that meant. never driven a hybrid.
  Forum: Off-Topic · Post Preview: #131335 · Replies: 27 · Views: 4,419

cmac
Posted on: Aug 28 2009, 10:48 AM





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what is "hybrid" style driving?
  Forum: Off-Topic · Post Preview: #131333 · Replies: 27 · Views: 4,419

cmac
Posted on: Aug 27 2009, 12:14 PM





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So iphone google maps pulled from city data?
  Forum: The Nerdery · Post Preview: #131326 · Replies: 6 · Views: 2,906

cmac
Posted on: Aug 27 2009, 08:16 AM





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going to play. retired. wasn't going to play. was going to play. wasn't going to play. is going to play.
  Forum: Pro Sports · Post Preview: #131324 · Replies: 1 · Views: 1,811

cmac
Posted on: Aug 26 2009, 10:27 PM





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this is new? it's been on the iPhone since the 2007 release. i'm confused.
  Forum: The Nerdery · Post Preview: #131318 · Replies: 6 · Views: 2,906

cmac
Posted on: Aug 24 2009, 11:40 PM





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QUOTE (Mommy @ Aug 24 2009, 05:09 PM) *
it's called Ron Jon's surf shop. Check it out. You'll like it. Lots of neat stuff. Plus, you'll look like a huge kook if you put one of their stickers on your truck. haha.


fixed. second the Vero Beach suggestion
  Forum: Off-Topic · Post Preview: #131300 · Replies: 7 · Views: 1,798

cmac
Posted on: Aug 21 2009, 02:51 PM





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go to a wakeboarding cable park. it's the capital in the u.s.
  Forum: Off-Topic · Post Preview: #131280 · Replies: 7 · Views: 1,798

cmac
Posted on: Aug 20 2009, 09:25 PM





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cool
  Forum: News, Politics, & Religion · Post Preview: #131270 · Replies: 9 · Views: 4,227

cmac
Posted on: Aug 20 2009, 09:44 AM





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k. so you do agree that exists then?
  Forum: News, Politics, & Religion · Post Preview: #131268 · Replies: 9 · Views: 4,227

cmac
Posted on: Aug 19 2009, 11:28 PM





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i can't figure out your stance on global warming. do you think that it doesn't exist, or just that man isn't causing it?
  Forum: News, Politics, & Religion · Post Preview: #131266 · Replies: 9 · Views: 4,227

cmac
Posted on: Aug 14 2009, 10:34 AM





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QUOTE (FORSAKENR320 @ Aug 13 2009, 08:45 PM) *
inferia frustrates me almost as much as cmac.
you frustrate me as well, but not quite as much as them.

i win!? yay!!!!!!!
  Forum: News, Politics, & Religion · Post Preview: #131166 · Replies: 15 · Views: 6,978

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