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信息来源于四川新闻网 / Cited from .newssc.org/一有假期，迷你倉很多自行车爱好者就会蜂拥而出，骑向大自然，饱览风景名胜的同时，又锻炼了自己的身体。在这个国庆大假，来一次骑游，又怎么能少得了呢？在这里，我们就为大家收集整理了一些从入门到中级，甚至是高级的，适合国庆长假期间骑游的路线及简单指南，快来看看吧。爱骑游让你身心一同获益据成都乐哈氏单车俱乐部负责人介绍，自行车骑游在带给大家健康的同时，还能够带给大家快乐。人们在骑行时，不仅需要腿部运动，还能让身体的其他部位也运动起来，因此，能很好地锻炼心肺功能，提高人体的协调性和平衡能力。对于肥胖的人，自行车骑行是很好的“燃烧脂肪运动”，减肥效果十分明显。自行车是一项户外运动，人们能够很好地接触大自然，人骑在自行车上，穿行在大自然中，身心可以彻底放松；人与机械相互配合，实现“人车一体”，还会产生“贴地飞行”的感觉，让人感到无尽的愉悦，“骑行过程中，人们从来都是快快乐乐的，就算摔车了，也都摔得开开心心的。”骑友圈让你广交各路朋友“自行车骑游还是很好的交际工具。”成都老车迷俱乐部的骑游专家告诉成都商报记者，人们喜欢各种各样的“圈子”，广大骑友虽然来自各行各业，但都属于“骑友圈”。在这个圈子里，人们能够相互帮助、互相沟通，结交朋友，“大家通过骑游相互认识而做朋友，甚至于合作做生意的案例也有很多。”初级骑友老陈前段时间骑行了一趟雅安。“我沿途拜访了很多朋友，让我最开心的就是能在沿途受到他们的款待。”老陈说，平时开车出游，路过朋友家时，常常一脚油就过去了，而骑上自行车，自由度就大了很多，去拜访拜访朋友的想法也自然而生，“沿路还碰到了很多事情，结交了不少新朋友，出游一趟，收获相当大。不过，以后要是能找两三个骑友一起出游，那就更巴适了。”骑游菜鸟篇行程安排：1日游往返距离：100公里左右难度：★★★时间安排：早上出发，上午抵达，下午游玩返回行李：无需携带，带饮水、充饥零食即可，可带导航向东线路1：成都—走成洛大道，经十陵、西河—洛带路面状况：全程平整的柏油路面单程：约25公里游：洛带古镇、金龙长城食：洛带豆腐干、白露鸡、布袋鸭、全香菇、尹府面线路2：成都—走成龙大道或驿都大道—龙泉驿，经老成渝路—石经寺（龙泉湖）路面状况：平路+长上坡+儲存下坡单程：约35公里游：龙泉山、石经寺、龙泉湖食：龙泉湖鲶鱼注意：翻越龙泉山有近10公里的长上坡，对新手有难度向南线路1：成都—走天府大道—华阳—公兴—永安—黄龙溪路面状况：全程平路单程：约40公里游：黄龙溪古镇食：一根面、珍珠豆花、猫猫鱼、黄辣丁、焦皮肘子向西线路1：成都—走光华大道—温江，走成青快速通道—崇州街子古镇路面状况：全程平路单程：约60公里游：街子古镇、凤栖山食：汤麻饼、天主堂鸡片、猕猴桃注意：距离较远，宜次日返回线路2：成都—走成灌路，经郫县—都江堰（青城山）路面状况：全程平路单程：约50公里游：古城区、离堆公园、二王庙、青城山食：手掌鸡、三烘菜、河鲜、鸡肉注意：距离较远，游玩项目多，宜次日返回向北线路1：成都—走国道108线—新都—广汉—三星堆路面状况：全程平路单程：约45公里游：三星堆遗址食：连山回锅肉、玻璃烧麦骑游进阶篇行程安排：2、3日（多日）游往返距离：500公里以内难度：★★★★时间安排：早上出发，当日抵达，次日或第三日返回行李：需携带换洗衣物，带饮水、充饥零食、骑行灯、手机充电器、导航等注意事项：长途骑行须注意骑行强度，忌赶路，否则易造成肌肉、关节损伤。出发前，应做好车辆检查，更换磨损的刹车片、车胎等。向西线路1：成都—都江堰—汶川水磨镇—三江镇路面状况：成都至都江堰为平路，之后有坡路单程：约95公里游：水乡藏寨食：人参果饭、血肠、酸菜面块宿：当地农家乐线路2：成都—都江堰—汶川—雁门乡萝卜羌寨路面状况：成都至都江堰为平路，之后有坡路单程：约130公里游：原生态羌寨食：羌族美食宿：当地农家乐向东线路1：成都—金堂—绵阳三台县郪江古镇路面状况：成都至金堂为平路，之后有坡路单程：约100公里游：古镇、郪江汉墓、云台观、九龙桥食：当地小吃宿：当地旅店向南线路1：成都—彭山—眉山—夹江—乐山（峨眉山）路面状况：到眉山思蒙前为平路，后有坡路单程:约160公里游：乐山大佛、峨眉山食：牛华豆腐脑、西坝豆腐、翘脚牛肉、甜皮鸭、雪魔芋宿：当地宾馆线路2：成都—峨眉山—沙湾—峨边—金口河大峡谷路面状况：到眉山思蒙前为平路，后有坡路单程:约250公里游：金口河大峡谷食：沿途美食宿：当地宾馆注意：难度较大，一般会耗费三四天，甚至更长。成都商报记者 陈松成都乐哈氏单车俱乐部供图迷你倉

【本报讯】智能手机大行其道，迷你倉最平手提游戏机饱受冲击，Sony PS Vita月初减价四成救亡，美国电脑晶片公司NVIDIA推出全球首部采取Tegra4四核心的Andriod多媒体游戏机NVIDIA Shield，图杀出血路。Shield可在Google play下载游戏打机，上网、睇片，对应个人电脑，甚至连线大电视打机。Shield昨在港作亚洲首卖，吸引不少人围观。澳洲游客Michea迷你倉昨前来购买，喜欢其跨平台功能，「其他手提游戏机没有这样功能。」NVIDIA销售经理陈德辉指出，Shield采取Andriod平台可任意下载游戏，「可以玩啲好复杂嘅个人电脑游戏。」售价2,599元的NVIDIA，外貌如微软Xbox360游戏手掣，配备5吋高清屏幕。不过根据用家网上品评，机身重量达579克，是iPhone5C的四倍、几近SONY PlayStation Vita的两倍。 儲存

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文件倉 　　美国迪士尼乐园为杜绝游客假扮伤残人士直接「打尖」，下月9日起修例，令他们只可获类似「快证」的指定使用游乐设施时间票据。但有癫痫及自闭症儿童家长组织批评，子女根本无法长时间排队。　　有传媒早前披露，有健全人士假扮伤残打尖，亦有伤残人士收钱，带领其他健全人士以亲友身份特快使用设施。存倉

六年前，儲存苹果公司推出第一部iPhone，没有键盘的设计成为话题。当时黑莓创办人Mike Lazaridis公开取笑iPhone的设计，「你要在触控萤幕打个字都有困难，你根本看不清自己打了甚么。」Lazaridis在一年后依然唔信邪，力撑QWERTY键盘乃当今最潮的手机款式。三年前，iPad面世，Lazaridis再笑苹果的平板电脑定位不清晰。当日豪情壮语，已成为回顾黑莓极速陨落的见证。黑莓前天宣布觅得现有股东，初步同意以47亿美元（约364亿港元），即每股9美元作价将公司私有化。投资界估计，作价接近一半是公司的现金价值，余下的是软件业务的估值，智能手机业务价值接近零。有分析预言，黑莓手机已玩完，日后黑莓可能只剩下Blackberry Messenger这个即时通讯软件。黑莓由高峯步向黯然退市，只是五年时间。过去有不少分析，谈到黑莓如何错过反扑的时机。赚钱频回购衰亡前奏《纽约时报》财经版主编Floyd Norris最近撰文，提出一项有趣的观察，他发现黑莓在最赚钱时候，公司频频回购自己股份。这个惯于被视为管理层表露信心的举动，居然是衰亡黑莓的前奏。Norris指出，多年来黑莓动用了35亿美元去回购股份。35亿不是小数目，足足是今次黑莓私有化作价的四分之三，大部份回购更是2008年至2009年黑莓股价高企时「摸顶」出手，回购平均价是36.1美元，足足是现有股价4倍有多。公司在市场回购部份股份注销，多数是管理层认为股价在不合理水平，于是公司回购，增加每股价值，借此回报股东。二来，黑莓可以利用回购部份股份，向公司管迷你倉层发行认股权，原意是令公司锁定日后认购权被行使时的成本。先回购股份再发行认股权，也不会摊薄股权。问题是，管理层能否掌握到股价的合理水平？管理层即使掌握内部资讯，对自己公司股价未来的表现，容易受主观感觉影响，更会错判形势。Norris计过条数，一来一回，公司「大嗱嗱」用了35亿美元回购，但透过管理层行使认股证，仅集资3.65亿美元。管理层认股权行使的均价只是4.28美元，只及黑莓现有股价的一半，相信有不少斩获。对于长远股东，黑莓将钱用作派息，起码能袋钱。然而，管理层回购股份的动作，是典型的高买低卖，回购平均价达36.1美元，白白用公司资金买贵货，是value destruction。反映管理层缺危机感管理层的众多职务之中，最重要一项是如何分配资金，聘请员工、收购、科研、增加资本性投资、派息或是回购，统统由管理层作决定。我一向对回购有保留，股神毕菲特曾经在致股东的信提到，现时上市公司管理层，回购价作价过高，只为表达对公司信心，或者是人有我有的心态。对于苹果这间手握近1,500亿美元现金及股票的公司，回购影响自然较小。但整体而言，回购是高难度动作，尤其在一个斗到你死我活的行业竞争。我不信，像黑莓如此巨额回购是信心的表现，反而认为某程度显示管理层缺乏危机感，没有完全想清楚资金运用，是一个令人担心的兆头。管理层的工作毕竟不是买卖股票，当下次再发现巨额回购的出现，要小心睇清楚，可能这又是另一个 value destruction的警号。丘亦生金融中心fan page:.facebook.com/hkfincentre mini storage

被专业地产杂志誉为亚洲三大名宅之一的上海“滨江凯旋门”,自2012年3月上市以来,在逾一年的时间内，迷你倉以惊人的销量和几乎完美的口碑，创造了内地名宅的奇迹。辉煌来自发展商新鸿基地产长达40年的睿智眼光与诚恳建造。在高端住宅领域，新鸿基地产可谓一枝独秀，不仅拥有业内超高的建安成本和卓越的建筑品质，在物业服务上更是屡创先河。新鸿基地产深悉，唯有尽善尽美的服务才能缔造极致写意生活，此次由集团旗下专属豪宅管家“启胜物业”为“滨江凯旋门”量身定制全套服务体系，将为住户带来无与伦比的尊尚体验。一线临江华宅滨江凯旋门坐落在矜贵的浦江湾道上，占据着整个陆家嘴区域最优的江景资源。项目由国际一流设计团队倾力打造，并辅以鼎级的用料，最终将它演绎为实现极致人居理想的鼎级住宅社区。13栋高层与23栋临江大宅构成的主体建筑，以扇形徐徐展开，面向黄浦江湾道，视野开阔，江景入户，几乎所有的单位都能够拥有浦江。在项目独有的顶层天际屋特色单位，住户可私享天际泳池，直面浦江美景，感受前所未有的震撼体验。此外，滨江凯旋门的临江私人会所“凯旋汇”面积逾六千平方米，由纽约四季酒店设计师Chandu Chhada主理，将呈现无与伦比的高尚品位和精致格调，向住户提供媲美五星级酒店的惬意生活。凯旋双语礼宾如果说鼎级的设计、用料和建筑品质是“滨江凯旋门”贵为典范的重“硬实力”，那么作为“软实力”的物业服务，更将为内地地产界树立标杆。新鸿基地产旗下的“启胜物业”有着几十年的物业管理经验，管理过倚峦、礼顿山等香港名宅项目及香港环球贸易广场ICC等城市地标，是有口皆碑的名宅专门管家，此次组建豪华阵容，以专门设计的“凯旋双语礼宾”服务为滨江凯旋门的住户提供贴心服务。对于鼎级华文件倉滨江凯旋门来说，媲美星级酒店，只是物业服务的最低标准而已。滨江凯旋门设有24小时凯旋双语礼宾为业主提供全天候贴身服务。每户“滨江凯旋门”的单位将由指定的专属礼宾负责该单位的一切事物，并提供“双语精准服务体系”帮助客户营造舒适的居家生活。该体系涵盖了居家客房服务所需的一切:全天候家居维修及木制品养护服务、电脑维护与空调保养、酒店级客房清洁服务等，确保将一个始终整洁如新的居家环境，予以来自世界各地的每一位尊贵买家。同时，项目提供的“生活协助体系”将为滨江凯旋门住户营造充满惊喜的多彩居住体验。项目联合经验丰富的活动庆典策划专家，让每一场家庭仪式都成为难忘的回忆;整合最稀有资源的旅行资讯，为住户量身定制在全球任意一个角落的完美旅程;而尽心服务的生活专员，则负责票务及礼品代订以及生活费用代缴工作，让住户生活的每个瞬间都尽享无忧。另外，滨江凯旋门拥有全面而完善的“交通支持体系”，将为住户打造便捷的生活体验。项目提供私家班车服务，直接连通城市核心繁华;而出租车预订及豪车租赁服务，将大大简化日常出行流程，让生活回归轻松悦享的本质。作为鼎级名宅的滨江凯旋门自然也不会落下“现代化”的步伐，项目特别设有“现代化物业管理体系”，将科技引入每一位住户的生活中。管家微信平台，将及时为住户提供点对点的私人物业支持，尊贵住户需要的任何服务信息，都可以在这里找到答案。而iPad物业管理中心，以完善的立体化服务机制将物业管理服务汇于掌间，把生活重塑为理想境界。86-21-58826888上海浦明路688弄.shanghaiarch.com浦东新区房管(2012)预字0000053号本广告仅供参考，广告中具体确定的内容可作为购房合同附件，以上均为建面。存倉

掌管地方政府及研发事务的雪州高级行政议员拿督邓章钦指出，迷你倉当局将在未来5年内探讨及改善地方政府官员薪资、安全及服务形象，包括让执法人员采执法时携带电击棒等配备。他说，公务员有效的服务和执法才能提高地方府服务形象，其中官员执法时是否安全，是否有足够法律知识培训而不受挑战等，都是探讨的部分。拆违章建筑遭追砍他举例，近期有安邦再也市议会执法官员拆除违例建筑结构时，遭人持刀追砍，若官员使用枪械配备，相信无法被社会人士接受，而当局希望官员执法时至少能使用不会对任何人造成生命威胁的配备防卫。他说，之前已取得地方官员使用电击棒配备的报价，这些价格介于20迷你倉至3000 令吉之间，差别很大。配备交思灵验证当局已把配备交思灵验证，以比较个别电击棒报价及安全。他今早主持雪州财政预算2014研讨会的“加强雪州地方政府服务，提高地方政府执法人员安全及形象”分组研讨会后，这样说。分组研讨会是由莎阿南玛拉工艺大学人资发展中心主管嘉玛伦拉尼博士主讲。他说，一旦思灵提呈验证报告，委员会就会定夺是否采购电击棒配备，或进行接来的招标工作等，该委员会有100万令吉拨款。“如果思灵报告于近期出炉，我们可能动用委员会拨款采购配备，而且也让官员试用，如采购首10个电击棒，由主管级率先使用，或三位执法官员中只有一人持配备。”儲存倉

Source: The Atlanta Journal-ConstitutionSept.迷你倉 24--About this series: The 20-somethingsYoung adults are key to the Affordable Care Act. They tend to be a good risk for insurers because they have fewer medical problems than older people and therefore cost less to cover. Insurance companies now have no choice but to cover anyone who signs up, including people who are chronically ill and, therefore, more expensive to cover. So the law needs those younger people to balance out the sicker folks who will enroll. The problem: People in their 20s historically have avoided insurance because they think they don't need it or believe it's too expensive. The Affordable Care Act requires that they obtain insurance, but will they pay the cost or continue to go without?Related PhotoRobert Kushner, 27, is the general manager of a bar, The Ivy Buckhead. Kushner goes without health insurance even though he can afford it.Robert KushnerAge: 27City: AtlantaRelated PhotoJaNea Buckingham is the founder and owner of a magazine for women's fashion shoes. She has no insurance because of the cost of being a young entrepreneur.Situation: Although he could have afforded insurance, Kushner has gone without it since he went off his mother's policy several years ago. He acknowledges that this decision has cost him physically. Kushner's employer offers insurance but he has so far declined to take it.Impact of ACA:As of Jan. 1, Kushner will be required by law to have health insurance or face a penalty. The penalty, which will be assessed by the IRS, amounts to just $95 or 1 percent of income, whichever's higher, the first year. It increases to $695 or 2.5 percent of income in 2016. But Kushner's employer provides insurance at no cost to him, so he won't have to worry about penalties.Related PhotoCassie Pirkle, who turns 26 in November is currently covered under her parents polity. Cassie recently found an job with a medical plan.Kushner's view:Four or five years ago I tore my anterior cruciate ligament and meniscus while playing flag football. I stepped in a divot and it popped. I didn't get it repaired because I didn't have insurance and couldn't afford to pay for it out of pocket. Now it limits my physical activity and I'm told I'm pre-arthritic in my right knee. I guess there's a lot of scar tissue in there.The cost of health insurance was never an issue for me. It was just the hassle of getting quotes and feeling like I was being swindled. I'd get a quote and the price was good, and then they'd come back and it was a lot higher. It got to the point where I didn't want to give them my money.Related PhotoElle Kane is a nanny who buys her own insurance.I work as the general manager at the Ivy Buckhead. I've been there for two years. The Ivy has always offered insurance for managers. I started (working) at the door, so I didn't always have it, but I've been eligible for insurance since becoming a manager.Now that I am in a position where health coverage is offered to me, I plan on accepting it graciously, although I have been dragging my feet in submitting the paperwork.Had I been in the position where I needed to shop for insurance at the exchange, I don't think I would have been inclined to do so, regardless of the imposed fine.Related Links-- Georgians dislike health law but favor key provisions-- Voices on Health Care: The uninsured-- Georgians oppose health care law-- Taking Georgia's pulse on ObamacareJaNea BuckinghamAge: 27Related Links-- Taking Georgia's pulse on Obamacare-- What's next for the Affordable Care Act-- An Obamacare glossary-- The Affordable Care Act in GeorgiaCity: DecaturSituation: Buckingham worked for five years as a financial sales rep for MetLife after graduating from Clark Atlanta. The company provided insurance. But she left that job to pursue an entrepreneurial dream -- publishing a consumer women's shoe magazine, Shoed-In. Now she has no health care coverage.Impact of ACA: As of Jan. 1, Buckingham will be required to buy health insurance or face a penalty. She could get a low-cost catastrophic health plan on the exchange for about $150 a month, or she could buy better coverage for between $200 and $250 monthly. Her income varies, but it's likely to be too high for her to qualify for a tax credit to help cover premiums.Buckingham's view: I have friends who might be unhappy with their job but they stay because they have kids and can't afford to quit and give up the benefits. They can't take the risk. I knew if I left I would have a hard time getting insurance. Health care was a big part of a tough decision. But I felt I'd rather take the chance now at a young age rather than when I was older.I could have kept health insurance through COBRA when I quit my job, but I couldn't afford the payments. I'd be picking between health and food. I'm a little bit nervous about not having insurance. Not by any stretch of the imagination do I think of myself as bulletproof. But I decided to put it in God's hands. It's actually caused me to become more educated about home cures. And I've gotten more creative with things like buying glasses. I go online and only pay for the cost of the exam, and I get the glasses free.It's a real fear of mine having a big medical problem. I know some hospitals with programs where they treat you on an income-based scale. That would pretty much be my plan.I'm going to look at the exchange and see what the price is for insurance for me. If it doesn't work out for me this first year to buy it, the $95 (penalty) is not a lot. I do plan to get it in 儲存倉he next few years, though. The price is just going to go up. I do hope the Affordable Care Act makes good on the "affordable care" part.Cassie PirkleAge: 25City: MariettaSituation: Like a lot of young adults, Pirkle has benefited from the provision of the law that enables her to stay on her parents' policy until age 26. She turns 26 in November and now has a job that offers benefits.Impact of ACA: Pirkle will be required to have insurance or pay a fine beginning next year. If it turns out that her employer's plan costs her more than 9.5 percent of her income, she will be able to shop on the exchange for a better deal and perhaps receive a federal tax credit, depending on her income.Pirkle's view: I was worried because I had been working as my grandmother's caregiver the last two years and I didn't have benefits through a job. And I know anything can happen at any minute.I wanted to end up working in education in some way, but a lot of jobs in day care centers and in pre-schools don't necessarily offer benefits. That was one of my hoped-for job requirements.Then I got an interview for a job as a pre-school teacher. I said that I had no minimum pay requirement, and that I would work retail on the weekends if I needed to. I just mainly needed benefits. I was worried about my birthday coming in November.I got the job.I started working full time at the day care center in July and I will be eligible for their health care plan at the end of October, just in time for my 26th birthday.I was so relieved.Problem solved!I would have gotten insurance anyway. My parents would have pushed it so hard. Besides, I catch colds so often and get sinus infections. Those things can get ugly. I just don't like dealing with sickness. And I like to know what's coming up. I'm a planner.Elle KaneAge: 27City: AtlantaSituation: Kane is a self-employed nanny in good health. That hasn't kept her from buying her own insurance -- since she was 19 -- which she believes is the responsible choice. She pays $147 a month for a policty with Blue Cross and Blue Shield of Georgia and notes that she has changed insurers every few years to get a better deal.Impact of ACA: Like many 20-somethings, Kane is likely to face higher premiums under the Affordable Care Act. A plan similar to the one she has now is likely to cost about $250 a month. Because she could buy a middle-of-the-road "silver" plan for less than 9.5 percent of her income, she's not likely to qualify for a tax credit to help pay for her coverage next year. She could, however, keep her premiums about the same if she is willing to opt for a "catastrophic" plan with a deductible of $6,350. A catastrophic plan is what it sounds like: insurance that covers you in the event of a catastrophe that runs up massive bills.Kane's view: When I decided to not go back for sophomore year of college, I had to start paying my portion of what my parents were paying for our insurance. Then I had to find my own plan the next year. My parents didn't give me a choice. They said you never know what will happen. You have to be covered, no ifs, ands or buts.I'm not worried about the little things. But I'm like, what if I get cancer?I had Humana briefly and I am shopping plans with Kaiser. I have to shop plans because I have to change every few years to get the best deal.I wonder why am I getting charged so much when I'm not using it. And I don't drink or smoke, I don't do recreational drugs and I'm not a partier. I never get sick and I only go to the doctor for yearly physicals and gynecological appointments, which are covered. But it still costs a lot for me. I get penalized because people in my group don't make health choices.My copay is $35 and my deductible is $3,500. Anything lower and I couldn't the monthly premium. I got a letter from my provider saying my plan wasn't going to go away because of the Affordable Care Act. I don't want to be assigned a plan. I will drop it if I have to pay a ridiculous amount every month.I don't know anything about the exchanges. I honestly don't want anything to do with government programs when it comes to my medical care.I don't think you should get fined if you don't take care of yourself. But it's the adult thing to do. It's being responsible.I don't buy a bunch of new outfits every month, either; lots of women my age spend their extra income on fashion, and that is something that I deem not as important as health insurance.It's about making choices and not throwing away money on frivolous things.Read the complete story...The story you're reading is premium content from The Atlanta Journal-Constitution. Subscribers get total access to all our in-depth news, digital editions and exclusive premium content. You can now also buy a 24-hour digital pass or 7-day digital pass.Read MyAJC.com now -- 24-hour digital pass99? for 24-hoursRead MyAJC.com all week -- 7-day digital pass$3.99 for 7-daysSubscribe to AJC for as little as 33? per dayView OffersAJC Print subscriber -- I need to register my account for digital access.Access DigitalAJC Print subscriber -- I've already registered my account.Sign In------? ASK US: Got an Obamacare question? Tweet yours to #ajcObamacare or email us at ajchealthcare@ajc.com and our reporters will answer live Tuesday 1-2pm on myajc.com? SPECIAL COVERAGE: The Affordable Care Act in Georgia -- Interactive calculatorCopyright: ___ (c)2013 The Atlanta Journal-Constitution (Atlanta, Ga.) Visit The Atlanta Journal-Constitution (Atlanta, Ga.) at .ajc.com Distributed by MCT Information Services迷你倉

Source: Dayton Daily News, OhioSept.迷你倉 24--Running a business can be expensive, leading many self-employed Ohioans to forgo health insurance or maintain limited coverage to keep expenses down.Beginning next year, that will not be an option.Under the Patient Protection and Affordable Care Act, most Americans who don't have health insurance will be required to obtain coverage that meets minimum government standards or pay a fine.New health insurance marketplaces opening in January are expected to provide subsidized coverage to help make health insurance more affordable for millions of Americans.But many successful self-employed business operators will not qualify for tax credits to offset the cost of insurance because they bring in too much money.The subsidies will be available only through the marketplaces to people earning under 400 percent of the federal poverty level: $45,960 for singles; $92,200 for a family of four.With average annual income exceeding $62,000, most of the nearly 900,000 self-employed business owners and micro-businesses in Ohio will have to pay for insurance out of their own pockets, said Katie Vlietstra, a spokeswoman for the National Association for the Self-Employed."We have a lot of successful entrepreneurs in Ohio," Vlietstra said. "Most of them will be faced with higher insurance costs next year, and most will not get a break from the government."Health care costs are typically the second-biggest expense for the self-employed outside of operating costs, she said, noting that health insurance is particularly expensive for the self-employed because they don't benefit from the group rates offered to workers at most companies.'It's just way too expensive'Lisa Scott, who owns the Beaute Box day spa in downtown Dayton, said she would rather take her chances than fork the hundreds of dollars a year in premiums that she was quoted to buy health insurance in the individual market before the federal marketplaces were established."If I have to go to the doctor, I just pay out of pocket," Scott said. "I've looked into insurance on my own, and it's just way too expensive."Now she's faced with a business decision she had not anticipated, whether to buy health insurance or face tax penalties ranging from $95 next year up to $695 by 2016."I'll probably end up enrolling in a plan, because it would be more cost-effective for me to be proactive rather than pay a huge fine at the end of the year," Scott said. "But that $80 or $100 a month I'd spend for insurance in the marketplace is still going to have a impact on my business. It's going to affect the improvements I can make, the advertising I can do...I'll just have to be even more creative and more frugal with the things I can do to grow my business."Not all small business owners go without insurance. In fact, more than 80 percent of the self-employed in Ohio are also self-insured, according to Vlietstra, who said some buy insurance for themselves and others have coverage through their spouses.Some self-employed people may be able to keep their health plans if they have grandfathered status, which means costs have not changed significantly since the health care law was passed in March 2010, and the plans meet all the coverage requirements under the health care law, including maternity care and mental health and substance abuse services.But only a limited number of health plans are expected to maintain grandfathered status next year. And moving into richer, more comprehensive plans will undoubtedly drive costs up for those who own their own businesses, Vlietstra自存倉said."The issue becomes the type of insurance the self-employed had and are now going to be required to have," Vlietstra said. "It might be a greater, more robust health care product...but they (self-employed) are still going to spend more on health insurance."Will new law stifle businesses?Kindy Ghussin, who opened Heartland Pharmacy in Kettering about a year ago, has a high-deductible, low-premium health plan for him and his family that he describes as a "just in case policy" that fits his needs because he, his wife and three children do not have many health problems.Ghussin, 39, said he expects he will have to upgrade his coverage as a result of the health care law, and because of his income is unlikely to qualify for subsidized coverage in the marketplace. He said the health care law will simply cost him more money for benefits he probably won't use."It's like saying, 'I'm thirsty,' but instead of being able to buy a single bottle of water for $1, now I have to buy 50 bottles of water for $3," Ghussin said. "One bottle will quench your thirst."The Congressional Budget Office estimates that by 2016, the least expensive options in the health insurance marketplaces will cost about $4,500-$5,000 per person, and $12,000-$12,500 per family, per year. There are high-deductible, low-premium catastrophic plans available in the marketplaces, but they are limited to individuals who are under age 30 and are not eligible for premium tax credits."You're talking about costs that you cannot easily pass on to your customers," Ghussin said. "This is a cost you're going to have to absorb and take directly off your bottom line."Critics say the health insurance mandate is likely to stifle entrepreneurship, but some elements of the law could actually stimulate growth, according to a recent report from the Urban Institute, a non partisan Washington D.C.-based think-tank.Ohio could add as many as 67,000 new entrepreneurs as a result of a provision of the law prohibits insurers from denying coverage to anyone because of pre-existing health conditions."Many individuals who may be working for firms today who would like to start their own business are locked in to where they are employed now as a consequence of needing health insurance," said Linda Blumberg, senior fellow and lead researcher at the Urban Institute. "The ACA levels the playing field so they don't have to worry about whether they can afford to give up their health insurance."--THE SERIES-- Sunday, how the new health insurance marketplaces work-- Monday, how will the marketplace impacts the uninsured in Ohio-- Today, how it impacts the self-employed-- Wednesday, how the health-care industry is preparing for the expanded coverage-- Thursday, the impact on businesses-- Sunday, a look at who is selling insurance on the marketplace exchange--Oct. 6, Your Guide: The Affordable Care Act is a special section with everything you need to know about the changes and how they will affect you.Ohio small business by the numbers:$130 millionAnnual revenue for Ohio self-employed in 2011$13 millionAnnual revenue for Ohio micro-businesses in 2010742,500Self-employed in Ohio in 2011139,472Micro businesses in Ohio (businesses with fewer than 10 employees) in 201050,039Self-employed in Dayton metro area in 201180Percentage of the self-employed Ohioans who are also self-insuredSource: National Association for the Self-EmployedCopyright: ___ (c)2013 the Dayton Daily News (Dayton, Ohio) Visit the Dayton Daily News (Dayton, Ohio) at .daytondailynews.com Distributed by MCT Information Services迷你倉

Source: Milwaukee Journal SentinelSept.迷你倉 24--MENOMONEE FALLS -- Anja Sieger puts words into other people's mouths.Can't think of a way to dump your boyfriend? Sieger can. Want to tell your wife how much you love her but can't seem to find the right words? Sieger can. Tired of having nothing interesting to write about in your family's annual Christmas letter? Sieger can take care of that, too.The 26-year-old Franklin woman describes herself as a performing typist selling other people's thoughts. Thoughts that range from what does my cat really think of me, how can I ask someone I like on a date and a big single-digit salute to the yahoo who just cut me off in traffic.While the customer watches, she types what she calls prosettes, which she explains are poetry/letter hybrids, on a Smith-Corona Classic 12 typewriter she borrowed from her mother. Or folks can order letters from her website that are then mailed to them.Among the missives coming from her fingertips: love letters, insult letters and short stories, as well as letters from pets, unborn children or departed friends and family. She'll write Christmas letters for the holiday season and valentines next February."I provide a service of putting into words what people are at a loss to say," said Sieger, sitting at a table at a recent art fair in Menomonee Falls.Customers find her at art fairs, farmers markets, boutiques such as the Sparrow Collective in Bay View and through her website. She sets her typewriter on a table next to a sign -- "Poetry for Sale: Love Letters, Insult Letters, Letters of Recommendation, Flash Fiction. Choose Your Subject. Name Your Price!" Younger folks tend to pay $5, middle-aged customers average $10 while baby boomers usually hand her a $20 bill. Doodles on letters cost an extra 50 cents.Annette Kirchen hired Sieger at the Menomonee Falls art fair to write a birthday note to her niece for her 21st birthday. Couldn't Kirchen write her niece a note?"Not with the same flair," Kirchen said. "I'd love to write her a note, but it wouldn't be as interesting as what Anja can do. Plus, she's doing a doodle."The most common requests are love letters and notes from creatures who can't talk, such as pets, unborn children and deceased relatives, she said. Customers fill out a form explaining what they want and whom they want to send a letter to or get a letter from. Then Sieger types out the letter. She said she never suffers from writer's block and has no trouble knocking out a spontaneous message on the spot.A letter for a pregnant customer: To the mystery inside me you will soon be released and become personality enjoyed by all and by me, your createtress. Oh baby you are enjoyed now by your ambiguity and promise.And a letter a customer wanted for the inconsiderate stranger who yelled at her over a parking space: To the mean parking lot lady who called me a b***--and made my baby cry, what sort of unempowered starch-flake values their vehicle's skin more than real skin?"It's a lot about listening," Sieger said. "While I haven't lost a parent or had a child, I listen to them and hear what they say and I magnify what they tell me into metaphor, analogy and words."Letters from pets are popular. That might sound odd, but apparently pet owners love t自存倉em."I think it's because pets don't formalize their appreciation and vocalize their thoughts, and people really long for that conversation," Sieger said.She's the literary programming coordinator for the Milwaukee Artist Resource Network and has a solo show of her abstract paper cuts at Gallery 2622 in Wauwatosa on Oct. 4. Sieger's next appearances with her typewriter are from 5 to 9 p.m. Friday at Bay View Urban Artisans, 2543 S. Howell Ave., as part of Bay View Gallery Night, and the Jefferson Art Walk in Jefferson from 10 a.m. to 4 p.m. Oct. 12.Sieger, a 2005 Pius XI High School graduate, earned a degree in printmaking and creative writing at the Kansas City Art Institute. She worked for a puppet theater in Kansas City but left after a year. Unemployed and down to her last $10, she set up a small table with pens and paper on a street in Kansas City one very hot day and yelled like a street busker: "I can help you express the feelings you normally repress. Poetry for sale. Five dollars."To her amazement, she got a couple of customers and earned $10, which she spent on rocky road ice cream and sardines. That was in 2010. She moved back to Franklin that October and began setting up her stand complete with typewriter, rhyming dictionary, thesaurus, paper, envelopes, pens, stamp pad and stamps that say "Personal."Abby Goelzer met Sieger at an art fair at the Fondy Farmer's Market in June, one day after she ran into a mean motorist in the Bayshore Town Center parking lot. Goelzer was putting her daughter Pippa into her car seat when another car pulled into the next parking spot, Goelzer's door lightly tapped the other vehicle and the driver began screaming at her.Still upset about the incident the next day, she saw Sieger and her typewriter at the art fair and thought, why not?"She wrote the most fantastic letter, which made me laugh about the whole thing. I have it framed in my office now to remind me how silly people can be," said Goelzer, who lives in Milwaukee. "I had never seen anything like that at an art fair. It's such a simple idea."Goelzer has since ordered three more letters, including a birthday gift for a friend and a love letter from her daughter to her favorite stuffed animal, a red fox named simply Red Fox.Pippa was allowed to bring Red Fox with her when doctors performed open-skull reconstruction surgery in May. Nurses pulled Red Fox's tail, which makes music, during the surgery so Pippa could sense her favorite toy. Without knowing that and working off the basic information provided by Goelzer, Sieger wrote in the letter from Pippa to Red Fox: P.S. Thank you for having a tail that sings."It's sort of a form of connecting with other people and strangers that we don't have now, because we email everything or you get mad at someone and vent and never do anything about it," Goelzer said. "She uses language in such a beautiful meaningful way to describe the connections we have with each other, which I think is lost now with Facebook and texting and instant messages."On the webFor more information on Anja Sieger and her writings, go to .laprosette.comCopyright: ___ (c)2013 the Milwaukee Journal Sentinel Visit the Milwaukee Journal Sentinel at .jsonline.com Distributed by MCT Information Services迷你倉

Source: Portland Press Herald, MaineSept.存倉 24--SOUTH BERWICK -- Nicholson Baker is trying to be a good person in a mixed-up world.The novelist and critic, who makes his home in an 18th-century house in South Berwick, has a new novel out this month, a meandering tale about a recurring character named Paul Chowder, who lives in a similarly mixed-up world and is simply trying to be good.The book, "Traveling Sprinkler," is not an autobiography, but Baker makes no effort to hide its autobiographical nature. He began by writing a memoir, and found he had more latitude creating a novel.The key elements in the book are things Baker has been consumed with these last few years: predator drones, songwriting, the decadent joy of cigars, and sitting quietly in Quaker Friends meetings on Sunday mornings, just waiting for someone to say something, anything.With a new novel and a series of public appearances, one of Maine's quietest and most thoughtful writers is back in the spotlight. He showed up at Monument Square in Portland a few weeks ago to protest President Obama's intended strikes against Syria.Last week, despite a bellyful of nerves, he mustered the courage to go on national TV with talk-show host and comedian Stephen Colbert."I have no idea why he would want me on the show," Baker said on the eve of his TV appearance, professing ignorance and befuddlement as to why Colbert's people extended the invitation. "There is nothing for him to gain -- it helps him not one bit to have a writer like me on the show," he said with a laugh.Baker might have rethought his decision to go on the show when Colbert began by asking him about his Santa-white hair, facial and otherwise. Baker, whose face is naturally red, turned crimson as Colbert pushed this line of questioning, teasing the writer for the various euphemisms that Baker has employed in his writing to describe the male sex organ.On Thursday, he'll read and talk at Longfellow Books in Portland as part of a national tour to promote "Traveling Sprinkler."Baker, who is 56 and has lived in Maine for 15 years, may be best known for his 1992 novel, "Vox," in which the leading characters engage in vivid phone sex. It was a New York Times best seller and drew attention for its role in a real-life presidential sex scandal. Monica Lewinsky is said to have given the book to Bill Clinton as a gift.In 2001, Baker received a National Book Critics Circle Award for his nonfiction tirade "DoubleFold: Libraries and the Assault on Paper," which was part of his long-standing attack on libraries for reducing their paper media.He established a nonprofit organization, American Newspaper Repository, to rescue old newspapers from destruction. So committed is he to paper that a portion of the centuries-old barn on his property in South Berwick collapsed a few years ago under the weight of his accumulated papers and books.He wants to write only novels about happy people with upbeat endings. But as he drifts happily into middle age, he finds that harder and harder to do."I'm a cheerful writer," Baker said, seated on a sunny a riverside bench at Counting House Park, a few blocks from his home. "I like not dwelling on things that are miserable. Why would you ask someone to read a book that makes them feel horrible?"But there are terrible things in the world, and there are people, inspiring stories of people who have resisted those things or even had to suffer for their beliefs or maybe even died for their beliefs. It's worth paying attention to those people," he said. "Somewhere along the way, I started to think I should allow that part into my life, too."That's why he lit candles at Monument Square to protest a potential U.S. attack on Syria. He had done nothing for too long, he said, and decided it was time to stand up and make his voice heard. An avowed pacifist, he did not show up at the rally as a speaker, but as a protester, one among many, for the sake of being counted as one who found the possibility of U.S. military action against Syria unacceptable.He is not happy with President Obama, and has found him to be "a horrendous disappointment. I looked at the poster, it said 'Hope.' I certainly felt hope. But I have not seen anything."You are never going to get anywhere by blowing more things up," Baker said. "All these countries, we do the same thing. We pick a side, give lots of weapons to a so-called good person, who is a rebel, and allow that person to unseat what we think of as the bad guy. And then lo and behold, the person we armed and corrupted, in a sense, becomes a terrible person himself. This pattern has gone on for generations," he said."If you think of two angry gangs and you come out of a building with crates of guns and give them to one side, well obviously, the gang warfare is going to get worse," he said.Those are some of the issues, at least philosophically, that his book's character, Paul Chowder, deals with in "Traveling Sprinkler."The book takes its name from a lawn-watering contraption that Baker's father bought at Sears decades ago. Equipped with tractor-like wheels, the sprinkler travels along a course determined by the arrangement of a hose and dispenses water through a twirling device.When Baker's barn floor collapsed, among the things he found in the rubble was his father's traveling sprinkler. Not only did it survive the fall, the sprinkler presented itself as the name for a novel and an effective literary device because it gave Baker the freedom as a writer to go wherever the hose determined he should go. Which is to say, all over the place.Baker wrote a book about a middle-age writer with ideas about politics, music, poetry, religion and smoking.Life is not neat, he said. It's full of many turns, some that make sense and are predictable, and others that are less so. More often, life resembles a garden hose -- with twists and tangles."The human lives I see do not have most of the events that are included in movies and books, so I leave them out," he said. Instead, he writes books about everyday people doing everyday things."Traveling Sprinkler" tells the story of Paul Chowder and his frustrations as a lover and a poet. He is overtaken by a desire to return to his musical past, and turns to songwriting in an attempt to win his girlfriend back, with song titles like "Long Live the Weeds" and "Put Away that Gun."Baker was bor迷你倉 in New York and graduated from the Eastman School of Music in Rochester, N.Y., with the intent of becoming a classical composer and musician.He played the bassoon, and envisioned his life as a bassoonist in a midlevel orchestra in a midsize city. He joined the musicians' union and bought a tuxedo. Music would support his forays into creative writing.Failed auditions derailed that plan, and Baker turned to creative writing sooner than he expected. He published his first novel when he was 30, in 1988, and has mostly supported himself and his family as a writer ever since.But he has not given up on music.For this book, in addition to having his character explore songwriting, Baker wrote and recorded a dozen songs. Those who buy the enhanced e-book version of "Traveling Sprinkler" will also get Baker's recordings. To some degree, they satisfy one of Baker's long-held artistic desires, though he harbors no hope of a career change."I am very much an amateur musician," he said. "I make the usual apologies for my own presumption."His character's fascination with cigars also crosses over into Baker's real life. Baker began smoking a few years ago because, as he tells the story, he was struggling to write a profile of David Remnick for a British fashion magazine.He knew that Mark Twain smoked 20 cigars a day, and he views Twain "as probably the greatest writer in American history. It took him 20 cigars a day to get there, but he got there. I could probably smoke a few. But it does stink you up."Baker lit a cigar, and his fingers flew across the keyboard. He lit another, and the profile nearly wrote itself.He had a new favorite drug. He kept the writing device going for this novel, and took it a step further. He wrote nearly the entire book while sitting in the driver's seat of his car."My Kia has the most comfortable seats. I can sit in the driver's seat all day long and write," he said. "I love the driver's seat of my car because it's comfortable and it's quiet. But when I was smoking cigars, the ashtray was overflowing. I was a mess."He still smokes, and expressed no remorse for his habit other than his tobacco odor, which he admits can be offensive. But he still figures it's better than cigarettes.The other element that ties the book back to Baker's life is a Quaker outlook. A few years ago, Baker and his family began attending the Dover Friends Meeting, just across the border in New Hampshire. His mother was a Quaker, and Baker attended a Quaker college, Haverford College in Pennsylvania. But he never really thought about being a Quaker.That is, until he attended a meeting in Dover. He is an avowed pacifist and has written publicly about that aspect of his life. But the Quaker thing was unexpected and profound.He calls himself a non-theist Quaker. He does not believe in a personal god, but believes in the inherent goodness of Quaker meetings, which sometimes are marked by still silence. So much so that the sound of a ticking clock can feel dramatic.At other times, people stand and speak."My wife and my daughter went to a Dover Friends Meeting, and they came back and said, 'People said such beautiful things.' I thought, 'Wow, people just stand up and say things.' That's the kind of liturgy I like. I understand that."So I went, and it had the same effect on me," he said. "You are forced to be quiet, but forced to be quiet with a group of other people who are also consenting to be quiet. There is something amazingly powerful about that. It's not meditation. It's something else. They call it expectant waiting. The great thing is, the uncertainty is, the suspense is -- is anyone going to say anything at all? The pure meetings are ones when no one says anything, but I'm always terribly disappointed. I need at least one person to say something, anything. So I tried to put that in the book."Friends and fans anticipate Baker's new book with great hope.Richard Lethem, a painter from Berwick, has read Baker's books and magazine essays, and attends Quaker services with him on Sundays. He enjoys the thoughtful banter that Baker brings to the community and appreciates his willingness to speak publicly about pacifist issues."He's intelligent and smart, and he's a hell of a good writer," said Lethem, whose son, Jonathan, is also an award-winning writer. "He's got a lot to say, and I enjoy his company at our meetings on Sundays."Liberty Hardy, events coordinator at the RiverRun Bookstore in Portsmouth, N.H., brought Baker in last week for his first stop on the book tour. The store was full to capacity, which is typical when Baker shows up for a reading."He's not just a staff favorite here, but he's very well respected nationally. Whenever I tweet about him, so many people respond, 'Oh, my God, I love him.' 'Please tell him hello.' I think it's really cool that he lives in the area," she said.Baker is revered in the literary community for his wit and insight, Hardy said. "His attention to detail is unmatched."Baker and his wife moved their family to Maine because they liked the idea of living a quiet life in a nice place with good schools. Their kids, now 26 and 19, are living on their own.Maine has been very good to him and his family, he said, and he cannot imagine living anywhere else. "It's the first place since I was a kid that really feels like home. It is the way life should be. It's a state slogan that's actually true," he said.They bought a house that was built in 1730. There isn't a single right angle in the place, which is impossible to keep warm in the winter. But Baker loves it. He enjoys living in a house that is older than the country. He thinks of the number of shoes that have crossed the threshold over the years, and it makes him feel part of something much larger and more important than his solitary life.At last week's reading in Portsmouth, someone in the audience asked Baker about his sense of humor. With perfect timing, Baker laughed gently and paused to consider his answer."I have never been able to tell a joke, and I don't even understand what jokes are. ... The key to writing is telling the truth," he said."Sometimes it strikes me as mildly funny, and that's the end of the chapter."Copyright: ___ (c)2013 Portland Press Herald (Portland, Maine) Visit the Portland Press Herald (Portland, Maine) at .pressherald.com Distributed by MCT Information Services自存倉