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HUFFPOST HILL - GOP Benghazingly Benghazis Benghazist Benghazi

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Democrats and Republicans squabbled over whether they would debate an issue in front of the press -- a squabble that is now being argued in front of the press. Republicans can't believe liberals are making jokes about the Benghazi tragedy and if you could donate $50 to their reelection, that'd be FANTASTIC. And Rand Paul rejected the White House's offer to share a memo on drones with the Senate but keep it classified. We're not sure if Paul will be fully satisfied until he learns that a UAV has been invited to join the the Bilderberg Group and asked to lead a panel on metadata harvesting. This is HUFFPOST HILL for Tuesday, May 6th, 2014:

*YOU'RE TEARING ME AP-A-A-A-HT: POLITICOS FIGHT OVER ROOM* - An event highlighting unemployment insurance was overshadowed on Tuesday by partisan sniping between House Democrats and their Republican colleagues over the use of a hearing room. Democrats accused Republicans of barring them from using a committee hearing room for the purpose of talking about legislation to extend unemployment insurance. The move prompted Democrats to address the press from the front steps of the Capitol, flanked by several out-of-work Americans who shared their stories. "Last week, when we sent out the notice for this meeting today, it was thought that we would be there to listen to the voices of those who have lost their jobs through no fault of their own," House Minority Leader Nancy Pelosi (D-Calif.) told reporters. *According to Pelosi, Republicans informed Democrats on Tuesday morning that they would no longer have access to the room to discuss lapsed unemployment benefits. "Perhaps they thought we would cancel the meeting. Instead, we have taken to the steps of the Capitol," Pelosi said.* ... Alexandra Haynes Sollberger, a spokeswoman for House workforce committee Republicans, said it's Democrats who pulled a fast one. *Sollberger said committee Republicans agreed to a Democratic request to use the hearing room for an event that would not include the press -- but then Democrats changed their minds and wanted press included.* "At the last minute, the Democrats changed significantly the format of their event that no longer complies with the terms to which they originally agreed," Sollberger said. "At no time did we deny their request to hold an event. *In fact, we have communicated to Democrat staff that we are more than willing to accommodate the event they now wish to hold -- all they have to do is ask*." Well, were they not asking? [w/ HuffPost's Sabrina Siddiqui]

About those unemployment benefits… They're probably not coming back.

*REID DEFENDS EARMARKS, KNOCKS OBAMA* - Prompting the entire Democratic caucus to scurry up to its room, slam the door and crank up the volume on its Metallica records for the duration of mom and dad's fight. Mike McAuliff: "Senate Majority Harry Reid (D-Nev.) emphatically broke with President Barack Obama and other reform-minded Democrats Tuesday, saying the president is 'wrong' in opposing earmarks...some leading lawmakers, including Reid's highest ranking lieutenant, Sen. Dick Durbin (D-Ill.), have been pushing to bring them back. Reid added his robust support at his weekly news conference with reporters on Capitol Hill on Tuesday. *'I have been a fan of earmarks since I got here the first day,' Reid said. 'I disagree -- underline, underscored, big exclamation mark -- with Obama. He's wrong.'* One of the biggest problems with earmarks was that it was all but impossible to tell who was responsible for many of them, and equally difficult to tell if they were crafted to benefit specific donors or constituents improperly. Reid suggested that issue could be addressed, while giving the power back to local lawmakers. 'If there needs to be more transparency than what we had, then fine, do it,' Reid said. 'But it is wrong to have bureaucrats downtown ... make decisions in Nevada that I can make better than they can,' Reid said. 'This is something that has been going on for centuries in our country, and it has worked quite well.'" [HuffPost]

*RAND PAUL REJECTS WHITE HOUSE DRONE MEMO* - Matt Sledge: "*Kentucky Sen. Rand Paul (R) on Tuesday rejected a White House offer to let senators read a federal court nominee's memo authorizing a drone strike on a U.S. citizen, calling anything short of a full public release 'inadequate.'* Paul is threatening to block the federal appeals court nomination of David Barron, who wrote a Justice Department memo justifying a drone strike against alleged al Qaeda commander Anwar al-Awlaki, until that memo is released. Last month the 2nd U.S. Circuit Court of Appeals ordered the government to release the document. 'A federal court has ordered the public release of a redacted legal memo authored by Barron and I believe that anything short of that is inadequate,' Paul said in a statement released Tuesday. 'I will continue to oppose this nomination until the document is released.' Barron's nomination has been approved by the Senate Judiciary Committee. It's not clear whether Paul will be able to stop Senate Majority Leader Harry Reid (D-Nev.) from bringing Barron's nomination to a full Senate floor vote. President Barack Obama's administration had offered earlier Tuesday to let senators read the memo before they vote on Barron's nomination. But that offer has mollified neither Paul nor the American Civil Liberties Union, which wants senators to be able to review any and all of the memos Barron may have written justifying the targeted killing program -- not just the memo the 2nd Circuit publicly ordered to be released. " [HuffPost]

*DAILY DELANEY DOWNER* - Richard Rubin and Margaret Collins really bring the sad: "Premature withdrawals from retirement accounts have become America’s new piggy bank, cracked open in record amounts during lean times by people like Cindy Cromie, who needed the money to rent a U-Haul and start a new life. Her employer, the University of Pittsburgh Medical Center, had outsourced Cromie’s medical transcription work. Cromie said the move cut her income by as much as 60 percent, at times leaving her with minimum-wage pay. So, last year, at age 56, she moved about 90 miles from her home in Edinboro, Pennsylvania, into her mother’s basement. *To make ends meet as she moved and then quit the job, Cromie pulled out $2,767 from her retirement savings*." The story goes on to note that basically all Americans are raiding their savings accounts to pay for necessities. Tomorrow on Bloomberg, local counties are offering free bus rides to the poor farm. [Bloomberg]

Does somebody keep forwarding you this newsletter? Get your own copy. It's free! Sign up here. Send tips/stories/photos/events/fundraisers/job movement/juicy miscellanea to huffposthill@huffingtonpost.com. Follow us on Twitter - @HuffPostHill

*GOV'T RELEASES LANDMARK REPORT ON IMPACT OF GLOBAL WARMING* - We're doomed. Kate Sheppard: "*Climate change is no longer a distant threat, but a real and present danger in the United States, according to a government report issued Tuesday*. The report is the latest update from the U.S. Global Change Research Program, and details ways that climate change -- caused predominantly by the emission of heat-trapping greenhouse gases -- is already being felt across the country. 'Climate change, once considered an issue for a distant future, has moved firmly into the present,' the report says in its introduction. The full report, at more than 800 pages, is the most comprehensive look at the effects of climate change in the U.S. to date, according to its authors. (Even the 'highlights' document provided to reporters the day before the release weighed in at 137 pages). The report includes regional and sectoral breakdowns of current and anticipated impacts, which have implications for infrastructure, agriculture, human health, and access to water. Those impacts include increased severity of heat waves and heavier downpours. On the coasts, sea level rise is already contributing to increased flooding during high tides and storms, the report notes. And in the West, conditions are getting hotter and drier, and the snowpack is melting earlier in the year, extending wildfire season." [HuffPost]

*FEDERAL PROSECUTORS PROBING NEW YORK ANTI-CORRUPTION COMMISSION* - From the people who brought you, "Spy Vs Spy," comes the riveting new domestic law enforcement sequel, "Yellow Windbreaker Vs Yellow Windbreaker." Times: "*Federal prosecutors in Manhattan have issued a grand jury subpoena seeking emails, text messages and other records from all the members of the anticorruption commission that Gov. Andrew M. Cuomo abruptly shut down in March*, three people briefed on the matter said on Monday. The action by prosecutors from the office of Preet Bharara, the United States attorney for the Southern District of New York, comes just weeks after he took the unusual step of publicly criticizing the governor’s shutdown of the panel and took possession of its investigative files. The subpoena, which was served on the commission’s former counsel, Kelly Donovan, seeks documents pertaining to the formation of the panel, known as a Moreland Commission, based on the 1907 Moreland Act. It also sought documents about how the panel was run, overseen and closed, according to the people briefed on the matter, who spoke on the condition of anonymity because they were not authorized to discuss the investigation publicly. The issuance of the subpoena, and new details about recent meetings of several Moreland Commission employees and prosecutors in Mr. Bharara’s office, provided the strongest suggestion to date that the criminal investigation may be examining allegations of interference with the commission. It was unclear what potential crimes were being investigated and whose conduct was being examined. A spokesman for Mr. Bharara’s office, James M. Margolin, would confirm neither that a subpoena had been issued nor that a criminal investigation was underway." [NYT]

RJ Eskow, a longtime HuffPost blogger, launched his radio show, "The Zero Hour," over the weekend. It was the top podcast on iTunes by Sunday. Yay!

*PELOSI WANTS DEMOCRATS ON BENGHAZI PANEL* - Though Trey Gowdy will have undoubtedly studied Darrell Issa's mic-cutting skills, so they might get much air time. Jen Bendery: "*House Minority Leader Nancy Pelosi (D-Calif.) said Tuesday that if a new select committee on Benghazi is to be fair, it must have even numbers of lawmakers from both parties*. 'The panel should be equally divided between Democrats and Republicans as is done on the House Ethics Committee,' Pelosi said in a statement. 'It should require that witnesses are called and interviewed, subpoenas are issued, and information is shared on a bipartisan basis. Only then could it be fair.' Asked to clarify whether Pelosi is saying Democrats won't participate in the committee unless they make up 50 percent of its membership, a Democratic leadership aide said, 'She’s setting a standard. We’ll see what their proposal calls for.' Brendan Buck, a spokesman for House Speaker John Boehner (R-Ohio), said Pelosi hasn't always thought select committees needed even numbers of members from both parties to be fair. He emailed reporters a 2007 press release from then-Speaker Pelosi, when she formed a select committee on climate change. That committee had a 9-to-6 ratio, in favor of Democrats." [HuffPost]

*For $20 you can HELP FIND THE TRUTH*: "As House Republicans begin the process of staffing and defining the scope of a select committee to investigate the 2012 attack on the U.S. diplomatic mission in Benghazi, party leaders are trying their best to avoid the appearance of partisanship. *So it doesn't necessarily help the GOP's effort that just days after the committee's formation a Republican candidate for the U.S. House is trying to raise funds on it*. In an email sent Tuesday to supporters (and obtained by The Huffington Post), Andy Tobin, the speaker of the Arizona House of Representatives, solicited funds for his challenge to Rep. Ann Kirkpatrick (D-Ariz.) by playing up the investigation and his potential role in it. 'Americans were not fooled then and, despite the Obama Administration's best efforts, we are still not fooled. Rep. Trey Gowdy being named to lead the House Select Committee on Benghazi is a very encouraging development,' the email reads. 'Arizona's 1st Congressional District needs a battle-tested representative in Congress who will faithfully represent your voice, who will fight for your conservative values and who will always seek to uncover the truth.'" [HuffPost]

@DaviSusan: House Benghazi panel unlikely to have equal partisan split. "I think that'd be a good guess," says @GOPWhip

*NEXT FRONTIER IN THE WAR ON SCIENCE* - And it's not just budget cuts leading to e equaling m root c. Sam Stein: "The Obama administration and the scientific community at large are expressing serious alarm at *a House Republican bill that they argue would dramatically undermine way research is conducted in America*. Titled the 'Frontiers in Innovation, Research, Science, and Technology (FIRST) Act of 2014,' the bill would put a variety of new restrictions on how funds are doled out by the National Science Foundation. The goal, per its Republican supporters on the House Science, Space and Technology Committee, would be to weed out projects whose cost can't be justified or whose sociological purpose is not apparent. For Democrats and advocates, however, the FIRST Act represents a dangerous injection of politics into science and a direct assault on the much-cherished peer-review process by which grants are awarded... In recent weeks, the Obama administration and science agencies have -- in less-than-subtle terms -- offered up similar criticisms of the FIRST Act. At an American Association for the Advancement of Science forum on Thursday, presidential science adviser John Holdren said he was 'concerned with a number of aspects' of the bill." [HuffPost]

*You know who else mischaracterized Nazi analogies?* "The Tennessee lawmaker who likened Democrats who bragged about how many Americans have signed up for health insurance under the Affordable Care Act to Nazis deporting Jews to concentration camps on Monday thinks everyone is just missing the point. The comparison was merely intended to be a clarion call to freedom-loving Americans. 'I regret that some people miss the point of my post,' state Sen. Stacey Campfield (R) wrote in a blog post titled 'Here you go.' 'It was not to offend. It was to warn. To draw attention to Obamacare and the slippery slope that I see occurring in the lives of myself, my constituents, and the rest of the country with the continued taking of freedom by the federal government.'" [HuffPost's Igor Bobic]

Welcome aboard, Igor!

@virigniafoxx: The Buddha once said there are three things that cannot be hidden long: the sun, the moon, and the truth. #Benghazi https://t.co/RSqKR6zv1T

*BECAUSE YOU'VE READ THIS FAR* - Here are dogs playing bluegrass.

*COMFORT FOOD*

- Animated presentation of Gene Wilder discussion of family, acting and truth. [http://bit.ly/1sgVk69]

- A parody of every advertisement featuring a celebrity spokesperson. [http://bit.ly/1jxycxh]

- How today's websites would report the Monica Lewinsky scandal. [http://t.co/i77uBFWJgU]

- Twenty-one drunk purchases that hold up. [http://huff.to/1mxYG5n]

- Centuries before Pantone catalogued colors, one industrious artist described over 800 ones. [cultr.me/1fMJsXj]

- The most uncomfortable Mother's Day advertisement we've ever seen. [http://bit.ly/1udrpxs]

- These animals chasing laser pointers are metaphors for something, we're just not sure. [http://huff.to/1sh2Nlt]

*TWITTERAMA*

@moody: Harry Reid begins press conference: "Brad Pitt came to see me a number of years ago. He's so nice."

@ElaheIzadi: Whoa if not true RT @igorbobic: RT @toddzwillich: Breaking, Sen Reid won't convene a special Senate committee on #benghazi

@BenjySarlin:
What if Tim Scott was one of us
Just a slob like one of us
Just a stranger on the bus
Trying to make his way home

*Got something to add? Send tips/quotes/stories/photos/events/fundraisers/job movement/juicy miscellanea to Eliot Nelson (eliot@huffingtonpost.com), Ryan Grim (ryan@huffingtonpost.com) or Arthur Delaney (arthur@huffingtonpost.com). Follow us on Twitter @HuffPostHill (twitter.com/HuffPostHill). Sign up here: http://huff.to/an2k2e* Reported by Huffington Post 3 hours ago.

Hawaii Insurance Division opts to extend 2013 'grandmother' plans into 2016

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Hawaii employers and residents will have the option to stay with their 2013 “grandmother” health insurance plans through 2016, PBN has learned. The State Insurance Division has been considering whether to allow the extension after the Obama Administration gave states the option to do so in March. The 2013 plans, which do not comply with the federal Affordable Care Act, were initially supposed to be extended for just one year into 2014. Hawaii Insurance Commissioner Gordon Ito told PBN in an… Reported by bizjournals 3 hours ago.

Affordable Car Insurance Prices Now Delivered to Drivers at Automotive Portal Online

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Affordable car insurance prices are now displayed to motorists who use the Insurance Pros USA website this year. New agencies for protection plans are quoting prices at http://insuranceprosusa.com/car-insurance.html.

Prescott, AZ (PRWEB) May 06, 2014

Drivers in the U.S. reviewing different insurance prices on the Internet this year can now use the Insurance Pros USA website to discover prices. Affordable car insurance prices are now displayed for instant review at http://insuranceprosusa.com/car-insurance.html.

The agencies that have agreed to create price quotes and distribute this information through the new company portal are some of the most successful in the U.S. market. Consumers who are seeking less expensive coverage options can use the tool to locate any provider in all 50 states.

"Our system is now national to support consumers with ways to explore, compare and rate companies in the auto insurance industry online," said an Insurance Pros USA rep.

Because companies are changed out and new ones are included weekly, new price data can be reviewed easily through daily use of the system.

"Price wars are common in the industry and our tool now performs a better job of locating car insurance costs throughout the country to display to the public," said the rep.

The Insurance Pros USA company is in the process of configuring its system to provide a more broad search criteria for drivers this year. Apart from only distributing auto industry rates, prices for life and health insurance are now displayed at http://insuranceprosusa.com/health-insurance.html.

About InsuranceProsUSA.com

The InsuranceProsUSA.com company is positioned to continue supplying quotations for insurance products that are underwritten by USA agencies this year. The development of the company search system online has increased consumer data reviews. The InsuranceProsUSA.com company is one of the agencies offering independent price information that can be evaluated or compared with different North American companies to help consumers locate the best pricing for coverage plans available this year. Reported by PRWeb 2 hours ago.

Why Many Unemployed Workers Will Never Get Jobs

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Despite steady but slow economic improvement, unemployed workers aren't finding jobs. With each passing day, more and more workers with out-of-date skills will find themselves on the outside looking in.

While dissension between political parties about fixing the economy is fierce and turf battles muddy up regional and local solutions, nearly everyone agrees that job training and re-training programs are critical.

That's true. I have no qualms about training employed and unemployed workers new skills. It's a must. It's a necessity. It's an indisputable truth.

But we have a huge problem on our hands that runs much deeper than the unemployment figures reveal. Despite billions of dollars invested in job skill training, it's not helping to reduce the unemployment rate, get more people back to work, and raising the standard of living. Why?

The problem with traditional job skill training in many cases is that you can walk a horse to water but you can't make it drink. Far too many workers -- employed and unemployed -- don't seem interested in finding water on their own. They want and expect someone else to find the water, make sure the journey isn't too arduous, and get someone to pay for it.

Thanks to years of economic prosperity, government entitlements, union contracts and most recently a generation of helicopter parents, many workers from aging Baby Boomers to the young adults known as Millennials don't have the motivational skills to achieve their own success, to keep themselves safe, to avoid a personal crisis, and to get themselves out of a jam.

When I refer to motivational skills, I mean basic life skills. The skills we used to learn as children that carried us through the trials and tribulations of adulthood. Children learned to entertain themselves. When we fell, we were told to get up, dust ourselves off, and try again. We learned there was a difference between winning and losing. Just playing the game was an opportunity, not a guarantee.

We know live in a world where self-help isn't about helping oneself improve our lot in life but finding a a scapegoat for our failures and a surrogate to do whatever you want done for you. We expect employers or government to pay for health insurance while we eat too much, under-exercise, and engage in extreme activities. We don't save enough but expect the government and our employers to stash enough money away for a long retirement. Kids aren't allowed to ride their bike to Johnny's, grab a stick and ball, use a corrugate box for bases, and play baseball. At the end of a day, some of us won and others lost.

Today parents drive their children to sports registration, pay a fee, purchase equipment, and organize the game. Our children -- our next generation of workers -- are carted around for practice and weekend tournaments to play soccer, baseball and you name it. For the past 30 years or more, our children weren't taught the skills we need as adults to live and work. They grew up believing every child is a winner, regardless of the effort they put into it. And the parents began to believe it too.

But the latest recession and consequent loss of jobs and high unemployment has burst the bubble that just showing up is good enough to acquire and retain a good paying job.

Many of the unemployed workers have simply lost the ability and motivation to make a better life for them and take responsibility for problems they create -- if they ever learned to do it in the first place. Picking yourself up by your bootstraps is a lost skill. When you fall, it's not your fault. It's expected that someone else come to your rescue, offer you the bootstrap, hoist you up, and nurse you back to health.

I recently mentioned to someone that "God helps those who help themselves." Their response was to tell me God never said that. That is true by the way -- it's not actually in the Bible. But they missed my point. For many generations we believed that. It was a philosophy our grandparents, our great-grandparents, and those before us lived by. People didn't look for handouts, sue someone when things didn't go right, and wallow in their own pity waiting to be rescued.

And that is why our joblessness won't get fixed with job skill training. That's why we have so many unemployed workers who can't find jobs despite millions of job vacancies.

Up until the last decade or so, it didn't take much to get a job. If you had a pulse and could fog a mirror, you had the qualifications for many low-paying, low-skill jobs. If you sought a better lifestyle, you acquired trade skills or a college degree. Once you had a job, you were pretty well set for life. At that point in your career, school was behind you and employees looked to the company for training, benefits, and even retirement. If you were unfortunate enough to be laid off, the company paid you a severance or you collected unemployment from the government. Companies as well as government and community services even provided another bootstrap -- outplacement services and job coaching to help you get back on your feet.

Employees stopped learning how to go out and find success for themselves. They were taught to look toward third parties to help get them a job and bail them out. For almost 50 years people learned how to get rescued, not escape on their free will and ability.

Unions ensured that once you got a job, you kept it. Pay for performance went out the window. Employees did not have to prove themselves anymore. If you showed up for work, almost regardless of skill, you were guaranteed a lifetime of work, a middle class lifestyle, and a relaxing retirement. The union, not the worker, negotiated wages and guarantees jobs.

Over the last few decades, we have stopped treating our workers as adults so they became ageless children. The worker became a permanent child with the union acting as a lifelong parent. The problem our society faces today is that we stopped teaching people how to create their own success and to nurture and maintain the careers they have. It's not a lack of job skills that is hurting our country, our society, and our citizens. It's the lack of motivational skills.

For many people, college was a given. Even students who barely studied could get into a college. If you had enough money or scholarships, you could spend years in school with minimal effort and still leave with a degree. And that was supposed to enough to guarantee a lifelong middle income lifestyle and career. Learning ended the day students graduated.

Starting your own business was also a lot simpler just a few decades ago. If you had a technical or physical skill and stamina, you had a lifelong career. A high school dropout could become the CEO of a company on blood, sweat, and tears alone. Bookkeeping was simple -- all needed was a pocket to place cash and a checkbook to pay bills. If you had more cash than bills at the end of the month you were a success.

But then the world got a little complicated. Hard work alone is no longer enough. Long hours and physical stamina worked in an industrial age when brawn was the most valuable asset. Now that brains are critical, it's not about working harder, but smarter. Employment laws, environmental regulations, compliance and safety... the "handyman" now needs to use his head plus his brawn to start and build a company.

As a new world evolves with increased competition, a persistent dose of uncertainty, and complexity running rampant, the easy road to success has collapsed. Many people are finding themselves overwhelmed and under-skilled to deal with the uncertainty, complexity, and ambiguity of today's business environment. Technical job skill training won't fix our broken employment system if all workers -- employed and unemployed -- don't learn some basic motivational and life skills.

Until individuals assume personal responsibility for achieving their own success, government and community outreach might be the best moral and civil approach to helping get unemployed and under-employed workers back on their feet. But it will do little to help these workers acquire the skills needed to survive and thrive in this new dynamic, ever-changing world in which we live. Reported by Huffington Post 10 hours ago.

Face of the campaign mired in health law snags

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Celeste Castillo, a Guatemalan immigrant, was invited to a news conference with Illinois Gov. Pat Quinn and Health and Human Services Secretary Kathleen Sebelius early last year to help promote enrollment in the countrys new health insurance marketplaces. Reported by MyNorthwest.com 10 hours ago.

The Dangers Of The "Versus Expectations" Fallacy

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Submitted by Omid Malekan via Visual Stories blog,

Friday, the 2nd day of May, brought two important pieces of government reported information: The April unemployment report came in much better than expected, or “blows pasts forecasts“ as USA Today reported, and initial Obamacare enrollment included more of the previously uninsured than expected, something that Mother Jones says is “far far higher than previous estimates.” Both pieces of information are a good way of looking at an *analysis pitfall common in the world of Wall Street and now being increasingly ported over to the rest of the news cycle: the fallacy of mistaking how something does vs expectations with whether its good or bad.*

Imagine for a moment a hypothetical public company that is in the midst of a long business decline to oblivion. Every quarter the company has lower income and lower revenue until eventually it goes out of business. But at the same time every quarter the company makes such dire forecasts for the future that it gets the Wall Street analyst community to make very low forecasts for the immediate future. * It’s possible that on its way to bankruptcy this company manages to report earnings (or losses) that are not as bad as predicted. *Given the industry’s obsession with making future forecasts, and the media’s obsession with reporting how events turned out “versus expectations,” its possible and even likely that such a company generates positive news headlines right up to the day it files for bankruptcy. Such is the danger of comparing data versus meaningless expectations.

*It would be one thing if “the experts” were good at making forecasts, as then a number coming in much higher or lower than expectations would reveal something significant. But history has shown most people are not good at forecasting anything.* Forecasting complicated events with significant short term variation is hard. A company’s earnings, an economy’s jobs creation or a radical healthcare overhaul’s signups are based on a myriad of complicated factors, many of which are hard to measure after the fact, never mind forecast in the future. For evidence, look no further than the Labor Department’s own revisions of numbers it already reported months ago. These revisions can be so drastic that even if some expert accurately predicts a specific month’s jobs figures when they are released, he will still be proven off in the future once those numbers are revised.

Furthermore if someone was good at forecasting any of these numbers, they probably wouldn’t be wasting their time making public forecasts for ours and the media’s consumption. Instead they would either be running their own Hedge Fund making a trillion dollars predicting the future, or being paid handsomely running the actuarial department of a health insurance company. The absence of trillionaires in our midst is evidence of how hard it is to forecast anything on a regular basis.

*So why do so many people report and discuss how something did versus expectations?* For some, its a way of scoring political brownie points while distracting from a larger success or failure. The roll-out of the Affordable Care Act has been fraught with so many missteps, from crashing websites to people losing preferred coverage, that today’s news can be seized upon as a much needed success story. It should be noted that the whole point of the ACA, and its primary sales pitch, was to bring coverage to people who didn’t have any. In other words, if we compare the recent reports to the original promises made by the law’s architects, an honest headline today would read “Obamacare is happening.” But by comparing the results to predictions made either a few years ago or a few months ago, both opponents and supporters can claim they were right.

As for the media, comparisons to expectations is an easy way of creating fake context, saving them the trouble of doing the harder work of creating real context. To the average reader job creation of 288,000 in a month is not obviously good or bad, and could mean everything from employment is on fire to not keeping up with population growth. Going into great detail about the trajectory of the numbers, how they compare with historical averages or a qualitative breakdown of the kinds of jobs created makes for better journalism than “blows pasts forecasts,” but it doesn’t make for a better headline.

*When you hear that a report came out much better or worse versus expectations, all you are learning is that the expectations were inaccurate. To understand whether the report itself was actually good or bad, you’ll have to dig deeper.* Reported by Zero Hedge 10 hours ago.

'Face of the campaign' mired in health law snags

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CHICAGO (AP) — Celeste Castillo, a Guatemalan immigrant, was invited to a news conference with Illinois Gov. Pat Quinn and Health and Human Services Secretary Kathleen Sebelius early last year to help promote enrollment in the country's new health insurance marketplaces. From the podium, the U.S. citizen excitedly spoke of soon being able to get insurance for the first time under President Barack Obama's health care law. [...] it's also ironic that she ran into such difficulties because Latinos were among the groups the Obama administration most coveted for enrollment and fell short in signing up, according to federal figures released last week. Castillo, who moved to the United States 38 years ago and speaks English well, was no ordinary consumer; she's a board member at a community health clinic where she has received care on a sliding fee scale because she couldn't afford private insurance and didn't qualify for Medicaid before the health law's expansion. With an estimated annual income of $19,183 for a two-person household — herself and her 22-year-old daughter, a full-time student — Castillo qualified for expanded Medicaid. In a reassessment of her case, under rules for the Medicaid expansion established in the Affordable Care Act, the money was determined to be a gift from her husband to help pay for his daughter's college education. The new Medicaid rules allow Illinois officials to consider the husband's contribution a gift because Castillo, while married, files income taxes separately from her husband. Reported by SeattlePI.com 10 hours ago.

Kemper Announces Quarterly Dividend

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Kemper Announces Quarterly Dividend CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that its Board of Directors has declared a quarterly dividend of $0.24 per share. The dividend is payable on June 3, 2014 to its shareholders of record as of May 19, 2014. About Kemper Kemper is a diversified insurance holding company with subsidiaries that provide an array of products to the individual and small business markets: Auto insurance Homeowners insurance Renters insurance Life insurance Health insurance Kemper Reported by Business Wire 8 hours ago.

Acknowledging the Barriers to Mental Health Care in Latino Communities

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By Patricia Foxen, PhD, Deputy Director of Research, NCLR

Years ago, a young colleague of mine -- let's call her Rosa -- experienced a break with reality. A shy, disciplined, hardworking woman in her early twenties, she started to exhibit erratic, self-destructive behavior and nonsensical speech. Rosa's friends brought her to a hospital, where she was assessed and dismissed. Her co-workers contacted her parents, who had migrated to the Bronx from El Salvador in the 1980s, to plead with them to seek psychological help for Rosa. The couple seemed overwhelmed, denied that she needed such help, and stopped communicating with nonfamily members altogether. Eventually, after Rosa's behavior escalated into a frightening episode, she was admitted to a psychiatric hospital, where she was heavily sedated for over a month, then discharged without a diagnosis. Years later, having finally found culturally appropriate mental health care, Rosa was diagnosed with bipolar disorder, treated, and able to resume a more stable life and career.

While Rosa's story may seem more extreme than most, it illustrates an important issue within the Hispanic community: Cultural and structural barriers to adequate mental health services too often impede young Latinos from getting the care they need. One such barrier is the fear of being stigmatized for having mental health problems, which leads some Latino families, particularly within immigrant communities, to avoid seeking psychological help for problems stemming from depression, conduct disorders, or organic mental illnesses such as Rosa's. Many rely on support from the family, folk and community healers, and churches, especially when existing mental health services are perceived to be closed or lacking an adequate cultural understanding.

Indeed, a second barrier to mental health services is the lack of cultural and linguistic sensitivity within mainstream psychiatry and psychology, as well as the relative dearth of Latino mental health care providers. Even when culturally centered services do exist, potential patients or others who are in a position to help them are not always informed about where to find these services. And because mainstream mental health providers often interpret youth behaviors differently based on race and ethnicity, young Latinos like Rosa often end up being misdiagnosed or remain undiagnosed.

Structural barriers to accessing mental health care for Latino youth may also include a lack of health insurance, the high cost of mental health services, and low wages among Hispanic parents. A full 16 percent of young Latinos under age 18 lack health insurance, a proportion that has decreased through the years but is still three times higher than the uninsured rate of White youth. Another impediment to accessing mental health services, moreover, is the fear that immigrant parents have in approaching health service providers due to their legal status.

As a growing body of research shows, the combination of all of these factors means that psychologically vulnerable Latino youth are a largely under-treated group, despite the fact that they are at higher risk of mental health issues such as depression, anxiety, and substance abuse. This lack of adequate treatment may in turn contribute to low educational achievement, low self-esteem, and dropping out of school, and it may help explain disproportionate minority contact with the juvenile justice system.

Despite federal commitments to address mental health issues among minority youth, much remains to be done to reduce these barriers and ensure access to quality mental health services for young Latinos. We need increased outreach and education in Hispanic communities regarding mental health problems, their symptoms, and the value of psychological treatment. Such outreach must be coupled with a firm commitment to enhancing culture-centered, community-based mental health services that can help youth such as Rosa access adequate treatment and return to a stable and productive life.

This was first posted to the NCLR Blog. Reported by Huffington Post 8 hours ago.

Health insurers: Payment rates above 80 percent

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Health insurers: Payment rates above 80 percent Health insurance companies are telling Congress that more than 80 percent of people who've signed up under the new health care law have gone on to pay their premiums. Reported by WTHR 6 hours ago.

Health Insurers: Obamacare Payment Rates Above 80 Percent

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Top health insurance companies told members of Congress Wednesday that more than 80 percent of people who've signed up under the president's new health care law have gone on to pay their premiums — a necessary step for the enrollment figures touted by the Obama administration to hold up. Reported by msnbc.com 6 hours ago.

NYT: Obamacare 8 Million Number Contains 'Many Duplicate Enrollments'

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NYT: Obamacare 8 Million Number Contains 'Many Duplicate Enrollments' President Barack Obama's much-touted eight million Obamacare "enrollment" figure contains "many duplicate enrollments," according to the health insurance industry's leading trade group. 

"Insurers have many duplicate enrollments in their system for which they never received any payment," Senior Vice President of America's Health Insurance Plans Mark Pratt told the New York Times.

Pratt says it will be "months" before insurers know the true number of paying Obamacare customers. 

First premium payment rates also continue to disappoint. WellPoint Exchange Strategist Dennis Matheis said that just 70 percent of its enrollees who had signed up by April 15th have paid their premiums. Chief Marketing Officer of the Health Care Service Corporation said only 66 percent of its Obamacare applicants have paid their premiums. 

A new Pew Research/USA Today poll shows Obamacare remains deeply unpopular with a record-high 55 percent disapproval rating. Reported by Breitbart 5 hours ago.

For Many, Farming Is A Labor Of Love, Not A Living

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There are more than two million farmers in this country, but most of them have other jobs that bring in the money, retirement benefits and health insurance that they need. Reported by NPR 6 hours ago.

I'm graduating. Can I buy health insurance outside of open enrollment?

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*I'm graduating. Can I buy health insurance outside of open enrollment?*

*Q.* I’m graduating from college in a couple of weeks and my student health coverage will terminate at the end of August. Can I sign up for a new health plan then or do I have to wait until the next open enrollment?

*A.* You don’t have to wait. There are plenty of legitimate reasons why someone might lose or become newly eligible for health coverage in between open enrollment, which is why the new health care law sets up Special Enrollment Periods for people in these circumstances.

The most common circumstance is losing other health coverage. Examples of how this can happen:

· You graduate and your student health insurance runs out.
· Your COBRA coverage comes to an end.
· You leave a job (laid off, quit, or retired, doesn’t matter) and lose your group plan.
· Your old individual insurance policy, purchased before 2014, runs out.
· You turn 26 and get kicked off your parent’s plan.
· You move away from your health plan’s service area.
· Your income goes up and you are no longer eligible for Medicaid or CHIP.
· You lose access to your spouse's employer group plan through divorce or death.Special Enrollment Periods are also available if you or someone in your family becomes newly eligible for coverage. How this can happen:

· You have a baby.
· You become a “lawfully present” resident of the U.S.
· You get married.
· You get out of jail.
· You return permanently to the U.S. after living abroad.To activate a Special Enrollment Period, log into your marketplace account, or create a new one, and start an application.  Here are Healthcare.gov’s instructions on how to complete the process.

So does this mean if you don’t like the coverage you have now, you can cancel it and get a Special Enrollment Period to get something else? No, it doesn’t.

Also, as we’ve noted many times before, getting sick or injured and suddenly needing costly medical care does not entitle you to a Special Enrollment Period.

In both of these situations, you’ll have to wait until the next open enrollment period to switch or pick up coverage. It runs from Nov. 15, 2014, through Feb. 15, 2015. The earliest coverage can start is Jan. 1, 2015.

Got a question for our health insurance expert? Ask it here; be sure to include the state you live in. And if you can't get enough health insurance news here, follow me on Twitter @NancyMetcalf.

—Nancy Metcalf

*To get health insurance advice tailored to your situation, use our Health Law Helper, below.*

*Consumer Reports has no relationship with any advertisers or sponsors on this website. Copyright © 2006-2014 Consumers Union of U.S.*

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Update your feed preferences Reported by Consumer Reports 5 hours ago.

After Market: A Good Day All Around (Except for Tech Stocks)

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Filed under: Earnings, Market News, Investing

Many sectors rebounded on Wednesday, but those once high-flying tech stocks continued to slide.
The level of tension over a Russian military conflict with Ukraine was dialed back a bit after Russian President Putin indicated a willingness to hold talks, and claimed he had pulled troops back from the border.

The Dow Jones industrial average (^DJI) rose 117 points and the Standard & Poor's 500 index (^GPSC) added 10, but the Nasdaq composite (^IXIC) fell another 13 points.

Let's start with those Internet and social media "momentum stocks," where all of the momentum right now is on the downside.

Facebook (FB) and Amazon (AMZN) both lost about 2 percent. Google (GOOG) fell 1 percent and Twitter (TWTR) lost 3½ percent.

Yahoo (YHOO) dropped 6½ percent despite news that it's about to get a cash windfall when Alibaba goes public. Yahoo owns a huge stake in the Chinese e-commerce giant.

The other story of the day was earnings. On the upside:

o. The health insurance provider Humana (HUM) rose 8½ percent as net easily beat expectations. Humana shares have jumped more than 50 percent over the past year.

o. A pair of leading videogame makers rallied on strong results. Electronic Arts (EA) jumped 21 percent and Activision (ATVI) rose 9 percent. Over the past year, shares of EA have soared 84 percent.

o. Mondelez (MDLZ) rose 8 percent. In addition to strong results, the company is combining its coffee business with D.E. Master Blenders (DEMBF).

o. And shares of Walt Disney (DIS) slipped nearly 1 percent despite strong results, led by the movie blockbuster "Frozen."

There was also a long list of earnings disappointments.

o. Whole Foods (WFM) tumbled 19 percent after lowering its outlook for a third time.

o. AOL (AOL) dropped 21 percent. The company is the parent of Daily Finance, which publishes this report.

o. Groupon (GRPN) slid 20 percent on a wider loss and a weak forecast.

o. King Digital (KING) fell 13 percent. The maker of "Candy Crush" went public in March at $22.50 a share. It closed today at $16.27.

The online retailer Zulily (ZU) got the starch kicked out of it, dropping 30 percent.

FireEye (FEYE), a computer security firm, tumbled 23 percent.

And Aegerion Pharmaceuticals (AEGR) dropped 21 percent on a big earnings miss.

Other biotechs were also weak. Myriad Genetics (MYGN) fell 10 percent.

*What to Watch Thursday:*

· Federal Reserve Chair Janet Yellen appears before the Senate Budget Committee in Washington.
· Selected chain retailers release April sales.
· The Labor Department releases weekly jobless claims at 8:30 a.m. Eastern time.
· Freddie Mac releases weekly mortgage rates at 10 a.m.

These notable companies are scheduled to release quarterly financial statements:

· AMC Networks (AMCX)
· BioScrip (BIOS)
· Cablevision Systems (CVC)
· CBS (CBS)
· Dean Foods (DF)
· Dish Network (DISH)
· Liberty Media (LMCA)
· Monster Beverage (MNST)
· News Corp. (NWS)
· Priceline Group (PCLN)
· SkyWest (SKYW)
· Symantec (SYMC)
· Toyota Motor (TM)
· Valeant Pharmaceuticals International (VRX)
· Visteon (VC)
· Wendy's (WEN)
· Whitewave Foods (WWAV)

-Produced by Drew Trachtenberg.
 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 5 hours ago.

CDPHP Among the Top 25 Employers in NY

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The Albany-based health plan is one of only four Capital Region companies on the list.

Albany, NY (PRWEB) May 07, 2014

CDPHP® is once again among the top 25 large employers in New York state. The Albany-based health plan has been ranked 23rd on the Best Companies to Work For in New York list. The rankings were revealed at an awards dinner on May 6 in Albany.

This is the sixth consecutive year that CDPHP has been chosen by the Best Companies Group, in conjunction with New York State Society for Human Resource Management, as one of the state’s top large employers. The award is based on the company’s workplace policies, systems, and practices, as well as a survey, which was open to all employees, that measures employee engagement and satisfaction.

CDPHP employees enjoy comprehensive and flexible benefits, including tuition reimbursement, leadership development, a full-service cafeteria, and the ability to pursue community service activities.

CDPHP offers a worksite wellness program, which includes an on-site gym with a full-time fitness specialist offering free daily exercise classes. Employees are also welcome to participate in a variety of health and wellness workshops and health screenings.

In addition to the Best Companies award, CDPHP has earned a number of honors and recognitions in the past year, including the Capital District Women’s Employment and Resource Center Advancement of Women in the WERCplace Award and The Principal® 10 Best Companies for Employee Financial Security – 2013.

For a list of current opportunities at CDPHP, visit the Career Center. Three other Capital Region companies – two small/medium and one large – also made the list of 60 best companies statewide. For more information on the Best Companies to Work for in New York awards program, visit http://www.bestcompaniesny.com.

About CDPHP®
Established in 1984, CDPHP is a physician-founded, member-focused and community-based not-for-profit health plan that offers high-quality affordable health insurance plans to members in 24 counties throughout New York. CDPHP is also on Facebook, Twitter, LinkedIn and Pinterest. Reported by PRWeb 4 hours ago.

California Policy Center: 20 Counties' Public Pensions Only 60% Funded

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California Policy Center: 20 Counties' Public Pensions Only 60% Funded Bill Monnet, Ken Churchill, and Ed Ring of the California Policy Center published a study on May 6, 2014 titled “Evaluating Total Unfunded Public Employee Retirement Liabilities in 20 California Counties” that determined the official published statements for unfunded employee retirement liabilities in 20 California county pension plans are drastically understated.

Although the counties admit $37.2 billion or 26% unfunded pension liabilities in their financial statements, the actual total – which, the authors note, includes pension obligations bonds and unfunded healthcare liabilities – is $72.3 billion or 40%.

According to the authors, the study is “The first of its kind to compile for these counties not only reported pension fund assets and liabilities, but also retirement health care assets, if any, and their corresponding liabilities, as well as the outstanding balances for any pension obligation bonds.” 

The study argues that the concept of “total compensation” should be recognized as the only accurate way to assess whether or not public employee compensation is either affordable or equitable. Instead of just reporting base pay, total compensation calculations should look at all types of direct pay including “credential pay,” “specialty pay,” “bilingual pay,” “advanced degree pay,” “tuition reimbursement,” etc., along with overtime pay, and along with the costs for all employer paid benefits including current health insurance coverage. 

The CPC believes that “total compensation” calculations should also include current year contributions made by an employer towards an employee’s retirement benefits – namely, health insurance and pensions. Under the expanded definition, total compensation often exceeds “base pay” by 100% to 200% in the public sector.

According to the study, the "total compensation" model for calculating pay should be applied similarly to calculations of retirement benefits – hence the study's findings.

The top twenty California counties that operate pension plans have a population of 29.3 million, constituting 77% of all Californians. Their total unfunded pension liability in the most recent published financials statements is $37.2 billion. When the other direct retirement obligations calculated by the study are added, the unfunded status almost doubles to $72.3 billion.

The study’s initial results are somewhat “county-friendly” because they do not question the extraordinarily high assumption that counties will earn an average of 7.5% without any losses over the next 30 years. If, for example, the counties only make a 5.5% compounded return, the unfunded percentage spikes to 51% and the $72.3 billion liability would almost double again.

The results of the study demonstrate that households in the twenty counties studied owe $7,369 to fund public pensions, compared to the $3,932 reported in their county financial statements.

The author welcomes feedback and will respond to comments by readers. Reported by Breitbart 3 hours ago.

Called by Republicans, Health Insurers Deliver Unexpected Testimony

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Health insurance executives summoned to a House hearing Wednesday refused to go along with any envisioned G.O.P criticism of the health care law, undercutting some arguments against it. Reported by NYTimes.com 1 hour ago.

Health insurers say customers' payment rates above 80%

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WASHINGTON -- Top health insurance companies told members of Congress Wednesday that more than 80 percent of people who have signed up under the president's new health care law have gone on to pay their premiums -- a necessary step for the enrollment figures touted by the Obama administration to hold up. Reported by TwinCities.com 33 minutes ago.

Health insurers: Payment rates above 80 percent

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Top health insurance companies told members of Congress Wednesday that more than 80 percent of people who've signed up under the president's new health care law have gone on to pay their premiums - a necessary step for the enrollment figures touted by the Obama administration to hold up. Reported by Journal Gazette 19 hours ago.
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