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Monday, April 23, 2012
Sunday, April 15, 2012
Open Office Hours With TechCrunch Europe
Doing meetups and attending conferences is great for uncovering new startups and entrepreneurs, but sometimes you just want to sit down over coffee for a few minutes and explain what you're doing. So I'm starting a new series of one-to-one sessions which will hopefully be fairly regular (schedule allowing). I'll be doing "Open Office Hours" sessions at various locations associated with startups, and as I'm based in London that's where I'll mainly be doing them. The idea is you apply for a slot and wait for confirmation. This isn't about long meetings, it's more about getting a quick heads-up and then following up later. Next week I'll be at startup space White Bear Yard, home to Passion Capital and a number of their startups. You can sign up for a slot here. The next session after that will be at Innovation Warehouse, slots here. To follow other sessions, here's my OHours profile or follow me on Twitter, Facebook or Google+.st louis weather guinea bissau google stock google stock gawker hayden panettiere san jose sharks
Wednesday, February 8, 2012
NFCC Financial Education Blog ? Can't Afford Health Insurance ...
If you?re one of the 50 million Americans without health insurance you may think your only healthcare option is the emergency room. Not true. If you?re going without insurance, or know someone who is, this post is just what the doctor ordered.
Chuck, a good friend of mine, has now been without a ?real? job for more than three years. He does odd jobs to stay alive, and because he?s skilled in both carpentry and mechanics, he gets by. But health insurance? Forget about it. So a few months back when he got too sick to function he utilized what he considered his only option: the emergency room. Chuck?s not alone. According to the latest Census data there are now 49.9 million Americans without health insurance. It?s a safe bet that many skip the doctor and use super-expensive emergency services. But if you?re one of the uninsured like Chuck, here?s something you need to know: You have other options. In fact, you can go to a doctor?s office and be treated just like everyone else. And when the bill comes, you?ll be asked to pay what you can afford ? which includes zero if you?re earning zero.
Let?s take a closer look at options for those without insurance.
Federally qualified health centers
Care Resource, the health care center where I researched this story, is a Federally Qualified Health Center, one of hundreds nationwide. According to the Health Resources and Services Administration?s website here?s what they can do:
- Checkups when you?re well
- Treatment when you?re sick
- Complete care when you?re pregnant
- Immunizations and checkups for your children
- Dental care and prescription drugs for your family
- Mental health and substance abuse care if you need it
These places price their services based on your ability to pay. To find one near you go to the HRSA search page and type in your address. And if you?re imagining these places look like some squalid clinic resembling the DMV, think again. While I obviously can?t speak for all, the one I went to for this story looked no better or worse than my doctor?s office. Remember, these aren?t government clinics: They?re private clinics that receive part of their funding from the government.
Medicaid
Another option for the low-income uninsured is Medicaid, state-run programs providing health coverage for families. As with Medicare, those who qualify receive all kinds of health services. While programs differ by state, most cover services ranging from eye doctor visits to hospice services.
To learn more about Medicaid, visit the Department of Health and Human Services site. If you don?t qualify for Medicaid, your kids may still qualify for a state-run Children?s Health Insurance Program. In some states, this program is combined with Medicaid. The eligibility cutoff varies, but ?children up to age 19 in families with incomes up to $45,000 per year (for a family of four) are likely to be eligible,? says the US Department of Health and Human Services?(HHS).
Pre-existing conditions
You might also qualify for insurance through state run high-risk insurance pools designed for people who could normally afford insurance, but have pre-existing conditions ranging from cancer to asthma that led to insurance denials. That practice will be fully banned in 2014 because of the Affordable Care Act. Until then, HealthInsurance.org can tell you more about each state?s high-risk pool program. If you?ve looked at this option before, look again: HHS made it easier and cheaper to acquire coverage last July.
Affordable prescriptions
Those with low incomes can often get prescription drug assistance, including free drugs. There are dozens of private and public programs available. In addition, some states have discount programs. Also keep in mind that some pharmacies and grocery stores, including Walmart, Kroeger, Target, Publix, and others now offer some antibiotics and common medications free or at rates as low as $4 for a month?s supply.
Free help finding help
There are organizations charging little or nothing to help people find insurance and health care they can afford.
1.?Patient Advocate Foundation is a national nonprofit that offers advice, case management assistance, a program that helps those who already have insurance,?certain diseases get lower co-pays, and a database of financial resources sorted by state.
2.?Healthcare.gov was originally designed to explain the changes made through the health care reform law enacted last year, and?is also a great resource for those seeking care. It offers an insurance plan finder, tools for comparing the quality of care across providers, advice on enrolling in free or low-cost programs, and plenty of other information.
3.?The Access Project helps people enroll in many programs, find a doctor, or get cheaper care. They specialize in helping HIV and hepatitis patients, but offer many other resources for everyone.
Other solutions
1. Catastrophic coverage: If you find that typical insurance is too expensive, do what I did: Get a high-deductible policy. These policies are much less expensive because you pay the first $2,000 ? $10,000 of expenses yourself ? hence the name ?catastrophic coverage.? While you?ll be out-of-pocket for things like doctor visits, at least if the worst happens, you?ll be able to avoid going bankrupt. Plus, just being associated with an insurance company will often result in significant discounts.
2. Part-time work: Benefits packages usually come only with full-time employment, but not always. A number of companies, including Starbucks and Lowe?s, offer insurance for part-time employees.
Stacy Johnson is a personal finance author, speaker, and television news personality. His Money Talks News series has aired for more than 20 years on dozens of network affiliates nationwide.
Views expressed are the personal views of the author, and do not represent the views of the National Foundation for Credit Counseling, its employees, its members, or its clients.
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Saturday, January 7, 2012
Steve Jobs Action Figure: Apple Threatens Chinese Toy Maker With Lawsuit
Apple has allegedly threatened to sue Chinese company In Icons over its eerily realistic 12-inch action figure of Steve Jobs, the company's late founder. The 1:6 scale model, which was said to be distributed by DiD Corp. in late February, comes with the clothes and accessories popularized by Jobs, such as the black faux turtleneck, blue jeans and sneakers.?The figurine, which is packaged in a box that looks like Walter Isaacson's "Steve Jobs" biography cover, also comes with a chair, a "One More Thing..." backdrop, as well as two red apples, including one with a bite in it. To make it extra creepy, the doll's realistic head sculpt features Jobs' famous unblinking stare.
Apple reportedly wrote In Icons, telling the Chinese manufacturer that any toy that resembles Apple's logo or products, or Job's name or appearance, is a "criminal offense."
In Icons looks to sell the figure for $99 online in February, and the company has made it a point to not easily concede to Apple.
"Apple can do anything they like. I will not stop, we already started production," said Tandy Cheung, the entrepreneur behind In Icons. "I love [Jobs] very much and I think there are a lot of people like me who want to have his action figure."
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Cheung reportedly spoke with several lawyers from Hong Kong, who told him that he wasn't in violation unless he decided to brand any of his designs with Apple products or logos.
"Steve Jobs is not an actor, he's just a celebrity," Cheung said. "There is no copyright protection for a normal person. Steve Jobs is not a product... so I don't think Apple has the copyright of him."
Jobs took many appearances over the years, starting his career as a hairy and barefooted young CEO and transforming later into a slender and bespeckled grandfather figure. Cheung said he chose Job's signature style from his 2007 keynote at MacWorld, where he introduced the iPhone and officially changed the name from Apple Computer, Inc. to Apple, Inc.
"Everybody can only recognize Steve Jobs in that style," Cheung said.
Cheung's In Icon doll was originally shown performing all kinds of motions, opening and closing his hand around an Apple, posing on a stool, and even holding up a mini-iPhone and iPad. Those items won't come with the doll, however, because that would violate Apple's copyright.
Before Jobs died on Oct. 5, 2011, Apple had quashed several other attempts to create a Steve Jobs doll. In November 2010, Apple demanded M.I.C. Gadget Store, a Hong Kong-based company, to stop building and selling a Steve Jobs action figure. After Apple gave the same explanation of copyright and trademark protection, M.I.C. re-released the figurine in January 2011, redressing the Apple founder as a ninja, complete with a black belt, mask and ninja stars. The company called the doll, "Pineapple CEO."
Not easily fooled, Apple responded with a curt letter:
"Mr. Jobs has not consented to the use of his name and/or image in the Product," the company wrote. "The figure and its stand are replications of Mr. Jobs's image and Apple's trademark. The thin attempt to 'disguise' the figure in its current iteration does not impact the fact that you are plainly trading on Mr. Jobs's image..."
Cheung said he began work on the Steve Jobs action figure long before he knew he was sick with a rare form of pancreatic cancer.
"I love Steve Jobs for many years," he said. "I didn't know when he would die, but we did have it prepared."
While Apple's copyright infringement claims are questionable, attorneys believe a Steve Jobs action figure released after his death violates the "right of publicity," which is a state law that protects one's image, voice, photograph, identity or signature from being used commercially without consent. Furthermore, California's Celebrity Rights Act in 1985 protects a celebrity's personality rights up to 70 years after their death.
"[Jobs's estate] has every right to enforce this," said Lawrence Townsend, an attorney with IP firm Owen, Wickersham and Erickson, based in San Francisco. "I expect there will be a lawsuit to follow."
Currently, there is no successor-in-interest claim for Steve Jobs in California's special filing registry. However, a claim for "Steve Jobs" or "Steven Paul Jobs" can be filed and registered at any time by Jobs's estate.
"I think the best way to remember [Jobs] is to make an action figure of him," Cheung said.
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Source: http://www.ibtimes.com/articles/277294/20120105/steve-jobs-action-figure-apple-threatens-lawsuit.htm
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kentjlewis: RT @AnvilMedia Google Announces ?Megasitelinks,? Image Search Improvements & Better Byline Dates http://t.co/GypOkXJb
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Video: First Read Minute
NBC?s Mark Murray and Domenico Montanaro talk about the December jobs report, developments in the GOP presidential race, and look forward to two debates this weekend.
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Source: http://video.msnbc.msn.com/nightly-news/45900646/
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Friday, January 6, 2012
Nuclear-Resort Pictures: Come for the Reactor, Stay for the Beach
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