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Now's Your Chance to Own an Entire Gold Mining Ghost Town
Need to expand your property portfolio? Ever dreamed of owning your very own ghost town? Get excited, because the old mining town of Seneca, California just went up for sale, complete with a gold mine, three cabins, and a working distillery. You really can buy anything on Craigslist.
Once home to a thriving community of gold miners, Seneca, formerly known as North Fork, is a 12 acre plot of land in Plumas County, California that has been slowly drying up since the post office closed in 1943. Sure, it once hosted the "Woodstock of the West" for thousands of people in the 70's, but gone are the hotels, casinos, and feed stores that once made up the booming town.
Still standing, however, are a number of cabins, a working gin distillery (with liquor license!), one of the oldest restaurants in the area, and even a defunct opium den still exists within the mine built by Chinese workers. Sound enticing? It can all be yours for just a quarter of a million dollars.
If you think the asking price of $225,000 is a little steep, consider this: the largest gold nugget discovered in Seneca was 43 ounces in weight. With today's gold prices, that's worth $414,763.10 - almost enough to buy yourself a second ghost town. Or a fully stocked opium den.
COLUMBUS — Complications with the federal health insurance exchanges have created challenges for some consumers who have not yet received proof of their insurance coverage. As a result, many consumers are unsure if their medical treatments are covered and are unable to provide their proof of coverage.
“Since open enrollment began on Oct. 1 the federal exchange has struggled to process applications and enroll consumers in coverage,” Ohio Lieutenant Governor and Department of Insurance Director Mary Taylor said. “These delays are making it more difficult and confusing for consumers to use the health insurance plans they have purchased through the federal exchange.”
If you recently purchased a plan, but still haven’t received proof of insurance from your insurance company, Taylor offers these tips.
Contact the Company
The first thing you should do is contact your insurance company to verify that you do have insurance coverage. Ask your insurance company for proof of coverage, such as an insurance card or identification numbers. Take detailed notes of conversations and include the representatives names, and date and time they took place. Keep copies of written communication you received from your insurance company such as emails or letters. You may need these materials later.
You should also verify that you have paid your first premium on time. Some insurers have permitted late payments for coverage that is retroactively effective to Jan. 1. Ask your insurer for their deadline and keep any records that can serve as proof of payment.
If you are about to buy coverage from the federal exchange, print any paperwork or confirmations that you receive during the enrollment process.
You may need to get a prescription filled or see your doctor before you receive your insurance card. Your provider (hospital, doctor, pharmacy) may be able to verify your coverage by contacting your insurer directly. If verification of coverage cannot be obtained, you still have options. One option is to pay for expenses out of pocket.
Once your insurance coverage is effective, your insurance company should reimburse you to the extent that the service or medication is covered under your policy. You may also be able to work with your doctor’s office, hospital or pharmacy to delay payment or set up a payment plan until they can verify that you’re insured.
Keep your receipts and any bank statements that show that you’ve paid for the services.
Contact the Ohio Department of Insurance
If you are still having difficulty obtaining proof of coverage from your insurance company, call the Ohio Department of Insurance consumer hotline at 1-800-686-1526 for assistance. Insurance information is available at www.insurance.ohio.gov. You can follow the Department on twitter @OHInsurance and on Facebook.
The Future of U.S.-Venezuelan Relations
The United States should leverage business interests in Venezuela to open diplomatic engagement and repair U.S.-Venezuela relations.
By Clay Moran
October 28, 2013
“Yankees, go home!”These were President Nicolas Maduro’s words on September 30th as he expelled three U.S. diplomats, including Chargé d'Affaires Kelly Keiderling, accusing them of plotting to sabotage Venezuela’s electrical grid. While news outlets worldwide briefly reported on this incident, most failed to analyze the diplomatic turmoil within the larger context of U.S.-Venezuelan relations and its potential impact on diplomatic cooperation.
Over five hundred American companies have operations in Venezuela. Over$12 billion was investedin Venezuelan in 2011, concentrated in the energy, financial, and manufacturing sectors. Venezuelan imports rose by 122 percent from 2000 to 2011,reaching $12.3 billion. Washington and Caracas have developed a trade relationship that both parties value: U.S. companies gain substantial profit from operations in Venezuela, while Venezuelans gain access to higher quality job opportunities.
Despite the large volume of trade, political relations remain fractured at best. The United States and Venezuela have each been without ambassadors since 2010, when then-President Hugo Chávez suspected the United States of sponsoring a coup to overthrow his regime. Each country has retaliated against the other through a series of diplomatic expulsions. Venezuela has also restricted commerce from leaving the country. Capital controls put corporations in a tricky situation,trapping an estimated $8 to $12 billion within the country. Current President Nicolás Maduro has no intentions of lifting these controls, although Venezuela continues to experience inflationrising over 45 percent per month, threatening to erode profits. As a temporary measure, corporations have begun reinvesting these profits into Venezuelan real estate.
Domestic politics add another dimension to the problem. Former President Chávez formed the Chavista coalition, which consists of an array of lower and middle class citizens aimed at empowering workers and the urban poor. The bottom line is that Chávez’s governing doctrine, Chavismo, has united unlikely groups into the Chavista coalition due to favorable economic conditions. However, the erosion of economic stability due to rising inflation over the past year is beginning to unravel the Chavista coalition, which is the very force that brought Maduro to power. This can be seen in the March 2013 special presidential elections, in which theopposition lost by a margin of 1.5 percent. Maduro’s response has been to consolidate power byundermining his political opponents.
Venezuela needs foreign firms to operate within the country, but expelling U.S. diplomats while restricting U.S. profits does not bode well for constructive bilateral relations. The best prospect for improving these relations is for Washington to send a diplomatic convoy to Venezuela to meet with President Maduro and administration officials and discuss interests in attaining greater domestic stability to maintain corporate operations. Furthermore, the United States must meet with European counterparts that conduct business operations in Venezuela in order to establish a joint approach to address the rising political instability. Since Venezuela controls the domestic climate for U.S. corporations, the U.S. should take the initiative in securing its business interests.
The Obama administration can also offer to negotiate the Iran Sanctions Act, which was enacted in 2011 against the state oil company, Petróleos de Venezuela, because of Venezuela’s exports of reformate to Iran. These sanctions currently prohibit Venezuela from competing for U.S. government procurement contracts and receiving financing from the U.S. Export-Import Bank. Washington should negotiate with Caracas, maintaining the position that if Venezuelan currency controls are completely removed, the portions of the Iran Sanctions Act pertaining to Venezuela could be lifted – an option that looks more plausible given the current U.S. – Iran rapprochement.
Unless domestic turmoil subsides enough to allow for secure business operations in Venezuela, the likelihood of U.S. companies minimizing their business operations increases. Coupled with desolate diplomatic relations, revamping U.S.-Venezuela relations proves to be a complex process that will take time, cooperation, and concessions from both sides. A key opportunity to improve relations does exist, but the United States must demonstrate to Maduro the vital role that U.S. companies continue to play for Venezuela’s economy. Securing Venezuela as a quasi-ally will not only secure longer-term U.S. business interests, but also give the U.S additional leverage in Latin America, a region that the Obama administration has neglected.
Clay Moran is an M.A. Candidate in International Affairs, with a concentration in Development Security, at the Elliott School of International Affairs. His research focuses on democracy and governance in developmental programs. Previously, he lived and studied in Argentina, and spent substantial time in Bolivia and Spain.
Jennifer Shearin provides a valuable list of how one can attain wellness, and, it follows, a long and happy life. She does not tell her readers to do all, of course. One only has to choose those that fit one’s budget and other conveniences in life.
Read full article: http://terri-gaines.newsvine.com/_news/2014/02/26/22883179-road-to-wellness-less-travelled-by-jennifer-shearin-group-wellness-coaching
To join conversations about having a healthy, happy and long life, visit http://ellislab.com/forums/viewthread/242809/
About Jennifer Shearin Group Wellness Coaching
Jennifer Shearin Integrative Health Coaching
Jennifer Shearin Group Wellness Coaching
“Mastering the Art of Quitting: Why It Matters in Life, Love, and Work,” by Peg Streep and Alan Bernstein. Da Capo Lifelong Books, $24.99, 272 pp.
“Reset: How to Beat the Job-Loss Blues and Get Ready for Your Next Act,” by Dwain Schenck. Da Capo Lifelong Books, $16.99, 272 pp.
“Fail Fast, Fail Often: How Losing Can Help You Win,” by Ryan Babineaux, Ph.D., and John Krumboltz, Ph.D. Tarcher/Penguin, $15.95, 224 pp.
As 2014 looms, if you’re centering your New Year’s resolutions on things like exercising, improving your self-discipline and communicating better with loved ones, but ignoring trouble spots where drastic action is needed (like quitting a dead-end job or ending a doomed relationship), you are not alone.
According to the authors Peg Streep and Alan Bernstein: “American mythology doesn’t have room for quitters. In fact, the only kind of giving up we collectively accept and support is quitting a bad habit like smoking or drinking.”
But in “Mastering the Art of Quitting,” they argue that the national tendency to stay the course, however off-track, is misguided. They urge Americans afflicted by the “myth of persistence” to abandon “the hopeless pursuit of the unattainable” and to build better goals.
Shrewd, detailed and exhortatory, their book breaks down obstacles to quitting, illustrated by exemplary stories of men and women who had the courage to gracefully quit jobs that did not satisfy them.
One excellent reason to master the art of quitting is to avoid being fired. In March 2012, Dwain Schenck, a longtime communications executive, lost a job he hated and found himself depressed and panicked.
“Reset: How to Beat the Job-Loss Blues and Get Ready for Your Next Act” is his blow-by-blow memoir of his struggle to restore his fortunes (today he runs a profitable public relations consultancy). “Fear quickly started to eat at me,” he writes. His “sense of identity was shot,” his psyche was “crushed.”
Had Mr. Schenck been able to read Ms. Streep’s and Mr. Bernstein’s book at that time, he would have seen that his problem is shared by thousands in this turbulent economy. It was, in fact, the identical plight of the first case study in “Mastering the Art of Quitting,” a lawyer named Jennifer who wasted months trying to please a hostile new boss. When she was dismissed all the same, she took her expertise to a nonprofit organization, where her contributions are valued.
Another new book, “Fail Fast, Fail Often,” by the Stanford psychologists Ryan Babineaux and John Krumboltz, argues for an even more proactive approach to self-invention, encouraging those who are contemplating a new beginning to kick-start their dreams — even if it takes more than a few tries to get the motor revving.
Rather than focusing on how to quit the wrong job, the authors encourage readers to invent a job that brings them joy, and to throw out the old career-advice books that instructed entrepreneurs to construct elaborate five-year plans, or urged job seekers to take career evaluation tests to find work that harmonized with their interests or star signs.
“It is time for the madness to end!” they declare. “The world is evolving and new careers are available all the time.”
And if you don’t find a business where you want to work, they suggest, create one; don’t overthink it, start small and correct flaws once you’re up and running, because “Successful people take action as quickly as possible even though they may perform badly.”
Their assumption is that (like Ed Catmull, a founder and president of Pixar; or Jack Dorsey, the founding chief executive of Twitter; or Howard Schultz, creator of Starbucks) successful employees and entrepreneurs will be adept at the magical process that prevails at Pixar (by Mr. Catmull’s description). That, the authors say, consists of winnowing “a few good ideas” out of “tons of half-baked concepts and outright stinkers.”
Bold, bossy and bracing, “Fail Fast, Fail Often” is like a 200-page shot of B12, meant to energize the listless job seeker.
That said, if you have a mortgage and school tuition to pay, the freewheeling turn-on-a-dime initiative the authors espouse may leave the timid hugging their cubicles, penning cautious resolutions to cut down on pasta and cheese in the coming year, and smiling ingratiatingly at any supervisors who pass by.
The New Zealand High Court has rejected a bid by a man from the Pacific
island nation of Kiribati to stay in the country as a climate-change refugee.
Ioane Teitiota - whose work visa had expired - had said rising sea-levels meant there was no land in Kiribati he and his family could return to safely.
The low-lying island nation is vulnerable to climate change.
But the judge said environmental problems did not fit internationally recognised criteria for refugee status.
"By returning to Kiribati, he would not suffer a sustained and systemic violation of his basic human rights such as the right to life... or the right to adequate food, clothing and housing," High Court Justice John Priestley wrote in his judgment.
Mr Teitiota, 37, has lived in New Zealand since 2007 but overstayed his work permit. Earlier this year the immigration department rejected his bid for asylum saying he was not facing persecution at home.
But Mr Teitiota's lawyer had challenged that decision, arguing that he and his family - including his three New Zealand-born children - would suffer harm if forced to return to Kiribati because of the combined pressures of over-population and rising sea-levels.
They told the court that Mr Teitiota was being "persecuted passively by the circumstances in which he's living, which the Kiribati government has no ability to ameliorate".
Kiribati, with a population of more than 100,000, has an average height of 2m (6,5ft) and is one of the countries most vulnerable to rising sea levels.
Visit - Climate-Change
I was impressed because I was scheduled quickly, I happened to be scheduled just a day after I called which is a time very convenient for me. They actually gave me choices of schedules which was nice because it shows that they truly care for their customers. I knew I was in good hands right after since he provided me details on how the clinic works.
As soon as I arrived at Westhill House Consulting Rooms, I felt at ease, the place was very welcoming, very comfy. And that’s not all; confidentiality is strictly enforced so I felt secure.
In addition to all of that, this Westhill House Consulting Rooms is very affordable. Yes it is low-cost. They will go by a sliding scale, and I was happy to learn my therapy sessions were going to be affordable for me for the next weeks.
I was very pleased after that first session knowing that the therapist that I talked to really suited me. There were no heavy feelings towards him. I mean, there were no hesitations I told him my every concern and I was pretty happy with his response. They were actually comforting, it relieved me. They really helped and it was just in the first session so what more in the next sessions. I believe I will be better at the end.
I can highly recommend this Westhill House Consulting Rooms, I am sure they will be as satisfied as I am. The time and money will be very worth-it. So anyway, their services are available for children, adults, couples, and family therapy. They will help people with problems in their relationships, jobs, schools, families, and also with more serious problems like depression, anxiety, ptsd, serious mental illness and drug use.
Victims often don’t realize they’ve been targeted until they discover a drop in their credit score or until a collection agency comes after them for unpaid medical bills, said Jim Quiggle, director of communications for the Coalition Against. Insurance Fraud a group that includes insurers, consumer activists and government officials. While most of the cost of medical identity theft is borne by the health care industry and government, the Poneman Institute estimates that about 36 percent of victims in 2013 incurred out-of-pocket costs such as reimbursements for services provided to impostors, legal fees and identity protection services. The average cost for these victims amounted to $18,660; in a few cases, it exceeded $100,000.
Medical identity theft can happen in several ways. In one common scenario, the criminal persuades a consumer to divulge his health insurance number. Strategies for collecting these numbers can be highly sophisticated, especially when crooks operate in teams, Quiggle said. “They might invite seniors to bogus health fairs where they take their blood pressure and give them some nutritional supplements and ask to see their Medicare cards.”
Jennifer Trussell, who investigates medical identity theft for the Department of Health and Human Services’ Office of Inspector General, has seen cases where criminal rings target senior centers or homeless shelters and offer people $50 for, say, their Medicare number. “That information is sold again and again,” she said.
Even though the victims in these instances voluntarily share their numbers, they may not realize the impact, Quiggle said. “They'll discover to their horror that their Medicare account is being rifled and even maxed out by thieves who are making false claims against their policy.”
Some cases are perpetrated by employees of medical offices or even health care providers. Trussell worked on a case involving an Iowa chiropractor who had lifted the names and dates of birth of more than 200 patients to collect fraudulent Medicaid payments. In another case, a Baltimore pharmacy owner and two employees were indicted for allegedly submitting bogus claims for prescription refills to Medicaid and Medicare.
Sometimes medical identity theft happens with the cooperation of the victim, who allows a family member or acquaintance to use his health insurance card to obtain care. Poneman Institute founder Larry Poneman said these “Robin Hood” crimes made up 30 percent of the medical identity thefts his group studied in 2013.
Giving your insurance number to someone in need might seem like a generous thing to do, but it’s still a crime and you could suffer consequences if the visits rack up bills that go unpaid or result in incorrect additions to your medical records, Poneman said. If an impostor’s blood type or medical condition gets added to your record, you could end up receiving inappropriate or even life-threatening treatment.
Electronic medical records make your medical data easier to steal, because any clerk with access to patient records can load patient information onto a thumb drive and sell it to cronies or crime rings, Quiggle said. And because the Internet makes electronic records easy to share, tracking down all the providers who have received incorrect data can be difficult.
So how do you protect yourself? Never give your medical identity credentials to anyone but those with a legitimate reason for needing this information, such as the billing person at your doctor’s office, Quiggle said. Treat with suspicion anyone who asks you for your insurance number without a good reason, and never give these numbers to telemarketers or callers conducting “health surveys.”
Closely scrutinize the “Explanation of Benefits” or “Medicare Summary Notice” documents that are sent to you to make sure that you actually received the services and products listed, he said.
If you see anything suspicious, ask to see your medical record to look for mistakes or evidence that your identity has been compromised. “A lot of people don’t realize that they have the right to read their medical records,” Poneman said. He recalls a case where a woman who stood more than 6 feet tall went in for bypass surgery; her medical record, however, showed that she was just over 5 feet tall because, unbeknown to her, an impostor had used her identity to receive care. Had she been given anesthesia and other drugs based on the impostor’s size, she could have faced serious problems with the surgery.
Think twice before sharing detailed medical information on social media, Trussell said. Posting a medical diagnosis on social media is akin to posting your address along with the dates that you’ll be away on vacation. An impostor could use that information to obtain services that might not raise red flags with your insurer. For instance, if you tweet about your diabetes diagnosis, Trussell said, it’s possible that “next thing you know, you’re getting diabetes test strips you didn’t order or receive billed to your insurance company.”
If you discover that your medical identity has been stolen, your first step should be a call to the police, Ponemon said. Next, call the Federal Trade Commission’s identity theft hotline, 877-ID-THEFT, or report the problem online at www.ftc.gov/idtheft. Report Medicare- or Medicaid-related crimes to oig.hhs.gov/fraud/hotline or by calling 800-HHS-TIPS.
Even though you’re out walking all day, and it may seem like you’re getting a lot of exercise, you’re probably also eating a lot of high-calorie and fatty foods that pretty much negate all the good you’re doing with the walking, hiking and stair-climbing.
Those extra pieces of cake and pie for dessert aren’t helping either. Contrary to popular belief, calories do count on vacation, as much as you wish they didn’t. So, if you want to stay on track and earn those meals, you might want to add additional exercise to your vacation itinerary:
I love to be outdoors when I travel. It’s the best way to see your destination, so why not get out a little more and burn extra calories?
- Go running – You’re going to bring along a pair of walking shoes anyway, so why not make them running shoes that are also good for walking. If you run at home, then keep your routine set and get up early to run around the block or the hotel grounds.
- Jump rope – This is an easily packable item and gets you great exercise anywhere you have some extra room. Not just little kids love to jump rope. It’s fun and helps you tone and keep in shape. Make sure you buy a nicely weighted one that will stand up to the rigors of the road
You walked all day yesterday, but you got up early in order to watch the news or eat breakfast in your room. As much as you know you should put on your workout clothes and hit the gym, the thought of looking presentable just doesn’t sound appealing. You aren’t alone. While you’re waiting for your bagel to toast or you’re listening to the weather report, you can take advantage of the floor space in your room to get in a quick workout.
- Chair crunches – If you have a chair, you have a low-impact gym. Work your abs by sitting on the edge and pull your legs up or pump your legs as if you are riding a bicycle.
- Do lunges – You’ll feel a lot less awkward doing them in the privacy of your room than out in public, too.
- Calf raises – Do these anywhere, like while you are brushing your teeth, making oatmeal or waiting in line to get into the Louvre (for bonus exercise points).
Your hotel or rental property might have some useful ways to help you work out. If the weather cooperates enough to be outside, then you’re in luck.
- Go for a swim – Almost all hotels have a pool. Pack your swimsuit and you can get in some laps. If a fancy indoor pool is available, then you can swim if the weather is uncooperative.
- Use the stairs – Walk or run up the stairs to your room and you’ll start to feel the burn. Generally, the stairwell is pretty private, so you also won’t be disturbing others if you are up early or late doing this.
- Go for a run – Not close to a park or afraid to go out running in unfamiliar terrain? Strap on your running shoes and do laps around the hotel. Chances are it is surrounded by a parking lot and/or sidewalks that make it easy to get your strides in.
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