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Costly illnesses trigger about half of all personal bankruptcies, and health insurance offers no protection against ending up penniless, according to findings from a Harvard University study to be released Wednesday.Researchers from Harvard stanley water bottle s law and medical schools said the findings underscore the inadequacy of many private insurance plans that offer worst-case catastrophic coverage, but little financial security for less severe illnesses. Unless you re Bill Gates, you re just one serious illness away from bankruptcy, said Dr. David Himmelstein, the study s lead author and an associate professor of medicine. Most of the medically bankrupt were average Americans who happened to get sick. stanley cup The study, to be published online Wednesday by the journal Health Affairs, distributed questionnaires to 1,771 bankruptcy filers in 2001 in California, Illinois, Pennsylvania, Tennessee and Texas. That year, there were 1.46 million personal bankruptcies in the United States.More than 900 of those questioned stanley cup underwent more detailed interviews about their financial and medical circumstances for what the authors say is the first in-depth study of medical causes of personal bankruptcies, which have risen rapidly in recent years. Illness and medical bills were cited as the cause, at least in part, for 46.2 percent of the personal bankruptcies in the study. Himmelstein said the figure rose to 54.5 percent when three other factors were counted as medi Ldkt Tornadoes strike from Texas to Wisconsin
Home improvement season is underway.But if you re thinking of redoing a room or deck this year, you might want to know which improvements will give you the most return on your dollar -- and which will give you the least. New kitchen may not return as much as you hopeNew kitchen Five or 10 years ago, spending $25,000 on your kitchen usually meant you could get another $25,000 at selling adidas originals samba time, because upgrading to stainless steel appliances would help your home sell faster.But not anymore.Bloomberg News states kitchen projects now return less than they did a decade ago.Why Home buyers now expect stainless steel appliances in all but the cheapest homes. Granite counters are almost standard, so they no longer boost your home s resale price the way they did a decade ago.If your home has 1990s-era tile or laminate countertop and a white oven, that will pull down your home s value. Stainless steel has become the new standard in 2017. Biggest return on investmentDespite the figures above, kitchenremodeling still remains the best project for return on your dollar.Among the best projects right now:A kitchen redo: $24,000 on average, Bloomberg says, and you ll recoup 70 percent of the cost at resale. Remember: the first thing air max 1 buyers look at -- after the outside of the home -- is the kitchen.A full bathroom remodel: $10,000 on average, with a 62 percent return at resale.Main floor adidas campus homme half bath remodel: Only costs $3,000 but can really help sell a home.Adding a deck: This remains a

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Hurricane Ophelia edged toward North Carolina early Wednesday, but many in the storm s path shrugged at the threat of flooding rain and wind even as officials urged them to evacuate.The National Hurricane Ce stanley mug nter upgraded the storm s status from a tropical storm to a Category 1 hurricane Tuesday, saying maximum sustained winds had reached 75 mph, with higher gusts. Further strengthening was possi stanley flasche ble.Regular folks say bring it on, get it over with, but CBS News Correspondent Cynthia Bowers reports that officials can only pray their preparations were enough. No one anticipates high drama, but officials worry with such a slow-moving storm, appearances can be deceiving. Unlike Hurricane Katrina, which made a head-on charge at the Gulf Coast two weeks ago, Ophelia has meandered since forming off the Florida coast last week. That makes landfall predictions diffic stanley cup ult mdash; and makes it harder for some to take the storm seriously. We re just having a grand time, said Diane Komorowski, a tourist from Philadelphia, as she walked through the choppy surf on the Outer Banks with her husband. They keep saying, It s coming, mdash; yet every day, it s great here, she said.Some doubted that Ophelia could pack the same punch as Katrina. If it was that bad, we would leave, said Charlene Heroux, 46, a 30-year resident of Manteo.At 5 a.m. EDT, Ophelia was centered about 70 miles south of Wilmington and about 125 miles east-northeast of Charle Pkks Chemical banned in 70s from kids pajamas resurfaces in couches
TAMPA, Fla. 鈥?Tampa Police are investigating a fatal shoo adidas original campus ting.Tampa Police responded to the6500 block asics sneaker of N. 40th Street on Wednesday after reports of shots heard in the salomon xt area. The call for service came in at 4:41 p.m.When they arrived on the scene, theyfound an adult male deceased, the victim of a gunshotwound. That man was identified as 30-year-old Harvey Sanders.TPD says preliminary investigation leads them to believe this was an isolated incident and that no threat to the general public exists.

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Ytio Flooded animal shelter back open after Bradenton community came to their rescue
Authorities are expediting an investigation of a state trooper who zapped a motorist with a Taser after video of the incident was posted on YouTube, the Utah Highway Patrol said Wednesday. It definitely put a little bit of conflict out there. We definitely have received a lot of feedback on it, calls and e-mail, said Trooper Cameron Roden, a spokesman for the highway patrol.The video, taken from Trooper Joh stanley uk n Gardner s patrol car, shows him using his Taser after Jared Massey refused to sign a speeding ticket Sept. 14 and walked away from the officer on U.S. 40 in eastern Utah. Massey shrieked and fell after he was hit and then asked Gardner, Officer, I really don t know what you re doing. Face down! Face down! Put your hands behind your back, Gardner said. When a woman emerged from Massey s vehicle, the trooper ordered her to get back in - or you re going to jail, too. Moments later, when another officer arrived, one of t stanley cup usa hem said, Oh, he took a ride with the Taser. In an interview with CBS Early Show Co-Anchor Harry Smith, Massey described the sensation of being zapped by the instrument. Fear, panic - it s the scariest moment of my life, he said. I get tasered, and I hit the ground, and I stanley kubek really, to be honest with you, thought that my life was ending. It s the most horrific thing that s ever happened to me. Utah Highway Patrol Spokesman Sergeant Jeff Nigbur told Smith that he could not comment on whether the tr Lhix Roy Halladay s father speaks about their loss and his son s legacy
Pasco County polling volunteers are taking an oath. It says they will do what they can to make sure Pasco Countys voting process is done by the book.Theyve heard speculation about election day hacking. I just laughed about it. I dont see how it could happen, said volunteer Jerry Beer.But Supervisor of Elections Brian Corley said while hes confident no breach will happen in Florida, that doesnt mean someone wont try. Theres probably person or persons out there who have nefarious motives on their mind, and it certainly is a adidas campus 80s concern, he said.Homeland Security is just one agency thats raised concerns about hackers interfering with the presidential election, especially in the wake of the DNC email leak.Even Donald Trump has ref yeezy foam erred to a rigged election. I think this is a great reminder why internet voting is not ready for prime time. Not yet. One day it will be, but just not today, said Corley.Here in Florida, the State Association of Supervisors of Elections sent an op nike sb dunk en letter to voters detailing security measures.It said, in part, recent enhancements have dramatically reduced exposures to hacking elections. At the core of Floridas voting security measures is the paper ballot. Florida is still a paper ballot state, and when computers are used, they arent connected to the internet. The only time its connected is when we control on election night... The precincts are coming in with an encrypted password, said Corley.Corley said Floridas ballots are checked and double check

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Bank of America has agreed to pay $410 million to settle a federal lawsuit alleging the bank charged excessive overdraft fees.The suit is one of several filed against several stanley deutschland banks from plaintiffs in 14 states, which were consolidated in a federal court in Florida. Other banks named in related suits include Wells Fargo and Citibank.The nation s largest bank said in a court filing Friday that it has reached a memorandum of understanding to settle the claims in stanley polska the suit by paying $410 million. The settlement is subject to court approval. Consumers alleged the bank processed the payments in a way that caused more overdrafts.Customers pay overdraft fees when they spend more money than remains in their accounts. The fees can reach $35 apiece. Before federal law changed this summer, banks frequently charged overdraft fees on numerous transactions in a single day. Anne Pace, a spokeswoman for the Charlotte, N.C., bank, said Saturday that BofA is pleased to reach a fair resolution to the case. B stanley mug ofA has already has addressed many related customer concerns, she said.Wells Fargo is appealing a $203 million judgment in a separate California case. ponent--type-recirculation .item:nth-child 5 { display: none; } inline-recirc-item--id-9562a4ba-8c88-11e2-b06b-024c619f5c3d, right-rail-recirc-item--id-9562a4ba-8c88-11e2-b06b-024c619f5c3d { display: non Ugce Puppy shot to death in possible drive-by in Plant City
A pet goat is being heralded as a hero after it saved an Arkansas family from a devastating house fire.Last Thursday, Abigail Bruce of Weiner, adidas campus Arkansas received an unexpected 10th birthday present 鈥?a small white goat that she promptly name adidas campus femme d Speedy. Abigail s father Nick Bruce told reporters he originally didnt want anything to do with the goat, but his attitude quickly changed.Two nights later, Abigail was awoken when Speedy barrelled into her room, jumping on top of her and braying. adidas originals hamburg When Abigail finally woke up, she saw the smoke.The Bruces garage had caught fire while the family was sleeping, and the flames were quickly spreading to the rest of the house.KWWL - Eastern Iowa Breaking News, Weather, ClosingsAbigail quickly ran into her parents room and woke up her parents. The family jumped out the bedroom window and ran onto the front lawn.The Weiner, Arkansas fire department arrived soon after and put out the fire. However, the home suffered significant damage in the blaze.Despite losing their home, the Bruces are thankful for each other 鈥?especially the newest member of the family. Im glad we got Speedy before the fire happened or we wouldnt be here, Abigail told KARK-TV. ... I think he means a lot right now. Well not just right now, but forever. Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider.

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Oqas Minors spark massive 30-acre brush fire with fidget spinner and a match
Prosecutors opened a criminal investigation Tuesday into the blaze that killed two firefighters at a toxic ground zero skyscraper.Manhattan District Attorney Robert M. Morgenthau said attorneys in his office have been in touch with city fire marshals to determine whethe stanley cup r criminal violations occurred in Saturda stanley kubek y s fire at the former Deutsche Bank office building next to the World Trade Center site.Authorities said it was not unusual for prosecutors to join the investigation of a serious building fire or collapse. Their involvement would give fire marshals subpoena power, should they need it. The cause of the blaze, in which two firefighters died on the building s 14th floor, was still under investigation. The public deserves it, the fire department deserves to know the truth, Steve Cassidy of the Uniformed Firefighters Association told CBS News correspondent Kelly Wallace. City officials have said that the fire started on the 17th floor of a building that was being dismantled floor by floor. Workers were cleaning asbestos and other materials on that and several other floors on Saturday afternoon when the fire broke out.According to documents obtained by CBS News, the John Galt Corporation, the chief sub stanley thermoskannen contractor in charge of asbestos removal from the building, was slapped with nearly 20 serious citations for construction hazards as recently as June and July of 2007, reports Wallace.The New York Post quoted an unidentified law enf Tqpk 9/11 memorial wines draw fire in NY
It s one of the most universal recommendations in all of public health: Floss daily to prevent gum disease and cavities.Except there s little proof that flossing works.Still, the federal government, dental organizations and manufacturers of floss have pushed the practice for decades. Dentists provide samples to their patients; the American Dental Association insists on its website that, Flossing is an essential part of taking care adidas samba of your teeth and gums. The federal government has rec mizuno running ommended flossing since 1979, first in a surgeon general s report and later in the Dietary Guidelines for Americans issued every five years. The guidelines must be based on scientific evidence, under the law.Last year, the Associated Press asked the departments of Health and Human Services and Agriculture for their evidence, and followed up with written requests under the Freedom of Information Act.When the federal government issued its latest dietary guidelines this year, the flossing recommendation had been removed, without notice. In a letter to the AP, the government acknowledged the effectiveness of flossing had never been researched, as required.The AP looked at the most rigorous research conducted over the past decade, focusing on 25 studies that generally compared the use of a toothbrush wi hoka laufschuhe th the combination of toothbrushes and floss. The findings The evidence for flossing is weak, very unreliable, of very low quality, and carries a moderate to large potential for bias. The majori

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BOISE, Idaho An extension cord hooked to an electric grill on a porch shorted out and started a house fire that killed five people Saturday morning, a northern Idaho fire official says.Orofino Fire Chief Mike Lee said the house was fully engulfed in flames when firefighters arrived after a neighbor reported the fire at 1:38 a.m.He said smoke inhalation likely killed the two adults and three teens whose bodies were also badly burned in the blaze. He said the dead were a family of four plus a teenage friend who was sleeping over to help celebrate a birthday. He said he didn t know the genders of the teens who died. Lee said two of the teens attended the local school that houses 7th through 12th grade, and that one was home schooled. He declined to release names.Autopsies are planned Monday, but he said ther stanley cup e was no sign of foul play. It was an extension c stanley cup ord, the chief said. They had it plugged into an appliance and it wasn t heavy enough to pack the load of the appliance and the cord shorted out. He said the house, a rental, didn t have smoke alarms. He said three of the victims were found in bed.He said neighbors reported the family using the electric grill at about 10 p.m. Frid stanley quencher ay, and that the family appears to have gone to bed by the time the fire started. He said he wasn t sure if the electric grill was the type that had an off switch or heated up just by being plugged in. I would unplug it regardless, he said. O Fqjv 1692 Salem witch trial document sold at auction
ATLANTA AP 鈥?Delta Air Lines says its no longer allowing passengers to fly with pit bull type dogs as service or support animals, a policy thats being met with criticism by groups that train service dogs and the people who use them.The Atlanta-based airline describesits ban as an enhancement to its policy on animals in passenger areas. Delta will also limit travelers to a single emotional support animal per flight. The changes, announced this week, take effect July 10. Its a bit nuts because Delta is actually my preferred airline to fl adidas samba schuhe y with my service dog, said Fiona Gilbert of the San Francisco area, who said she flew about 300,000 miles with Delta i nike af n the past year with her pit bull-type dog, Koda.Gilbert has a degenerative neurological condition, and Koda can sense when she might have a seizure and then get help if needed, she said. Hes basically my alert system, she said. Hes my emergency response system. I trust him more than I trust myself when it comes to not feeling well. Hes been trained to get help if I need him to. Koda and I are a team - were inseparable. Now, Gilbert has 20 trips planned with Delta later this year and is scrambling to figure out what to adidas campus damen do.Delta said its ban on pit bull-type dogs responds to growing safety concerns after several employees were bitten, the airline said in a statement. We must err on the side of safety, Delta said in a statement Friday. Most recently, two Delta employees were bit by a pit bull traveling as a support an

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A federal judge ruled Thursday that parts of a lawsuit by 20 states seeking to void the Obama administration s health care overhaul can go to trial, saying he wants hear additional arguments from both sides over whether the law is unconstitutional.In a written ruling, U.S. District Judge Roger Vinson said it needs to be decided whether the plan violates the Constitution by requiring individuals to have health insurance or be penalized through taxes and by overburdening the states by expanding their Medicaid programs. Another federal judge in Michigan threw out a similar lawsuit last week.The lawsuits will likely wind up before the U.S. Supreme Court. stanley tumblers Special Report: Health Care ReformThe Obama administration says the federal government can require that citizens buy health insurance or face tax penalties under its constitutional power to regulate interstate commerce. The administration s attorneys had told Vinson last month that without the regulatory power to ensure young and healthy people buy health insurance, the health care plan will not survive. They also argued it s up to an individual taxpayer stanley cup 151; not the states 151; to challenge the section requiring health insurance when it takes effect in 2015.But David Rivkin, an attorney representing the states, argued the law will destroy the states constitutional sovereignty by burdening them with uncontrolled Medicaid costs. The federal government is overreaching its taxing stanley cup usa au Fyef Michigan will pay Flint s water bill in May
CINCINNATI 鈥?Through dogged reporting that exposes important truths and holds the powerful accountable, winners of the Scripps Howard Awards demonstrate how journalism can change the world.Today, the Scripps Howard Foundation announcedthe winners of its 65th Annual Awards in 15 categories. The Foundation will pr nike sb dunk esent more than $170,000 in prize money to the winning organizations and journalists at a live show in Cincinnati on Thursday, April 19, in adidas originals forum partnership with The E.W. Scripps Company, the Foundations corporate parent. The event will be streamed live on Facebook and YouTube. The power of journalism is evident in the impact that these winning entries have had on their communities and society as a whole, said Liz Carter, president and CEO of the Scripps Howard Foundation. We are honored to present these awards to the winners, and salute the work of all organizations who participated in the competition. The 2017 Scripps Howard Award Winners:Breaking News: San Francisco Chronicle for Wine Country Fires 鈥?Coverage of the worst wildfire disaster in state history in October 2017.Judges comments: The newsroom delivered rapid enterprise on questions surrounding the lack of advance warning provided to the public and more. The Chronicles effort is a textboo nike af k example of how to provide critical information on a fast-moving story. Finalists: Houston Chronicle 鈥? Hurricane Harvey: Houstons Reckoning ; The Press Democrat 鈥? Northern California Wildfires Broadcast, Local Coverage 鈥?

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Dumv 11 Dead In Fiery California
New York Times:The Federal Trade Commission has opened a formal antitrust investigation of Intel, the world s largest maker of computer micropro stanley mugs cessors, for anticompetitive conduct, government officials and lawyers involved in stanley thermoskannen the proceeding said Friday read the articlegt; ponent--type-recirculation .item:nth-child 5 display: none; inline-recirc-item--id-cf61d280-8c88-11e2-b06b-024c619f5c3d, right-rail-recirc-item--id-cf61d280-8c88-11e2-b06b-024c619f5c3d display: none; inline-recirc-item--id-cf61d280-8c88-11e2-b06b-024c619f5c3d ~ .item:nth-chi stanley cup ld 5 display: block; Eeny San Francisco Dogs Have Rights
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Ogmj Formal murder charges levied against ex-LAPD cop
HOUSTON Passengers aboard a cruise vessel stranded in the Gulf of Mexico after a weekend engine fire have limited access to bathrooms, food and hot coffee, but also a new destination: Mobile, Ala.Carnival Cruise Lines President and CEO Gerry Cahill said in a statement Monday that the Carnival Triumph had drifted so far north of its original position that it will be towed to the southern U.S. port, instead of the original plan to take it to Progreso, Mexico.Cahill said strong G stanley us ulf currents caused the Triumph to drift about 90 miles north of its original position off the Yucatan Peninsula. Cahill s statement said the ship should arrive in Mobile on Thursday and that the change will allow for less complicated re-entry for passenge stanley water bottle rs without passports.CBS News travel editor Peter Greenberg said on CBS This Morning that the waste management system was powered by electricity, and with electricity out on the ship, there is a danger of it turning into a floating biohazard before it reaches Alabama. The Carnival Triumph had been floating aimlessly about 150 miles off the Yucatan Peninsula since a fire erupted in the aft engine room early Sunday, knocking out the ship s propulsion system. No one was injured and the fire was extinguished. The ship has been operating on backup generator power since the incident, the statemen stanley deutschland t said.The ship, which left Galveston, Texas, on Thursday and was scheduled to return there Monday, will instead be Jknh Dirk Koetter named Bucs head coach
A Vero Beach, Floridafamily woke up to a man stomping on their roof, the Indian River Sheriffs Office says. When deputies arrived, they say Jacob Futch claimed he was having a meeting with a DEA agent on the roof.The family told deputies that they dont know Futch, and Futch admitted to not knowing who the agent is, according to an arrest report.A man living in the home told deputies he and this three young sons woke up toFutch yelling, howling and walking down the road around 6a.m. on Nov. 11.Two hours later, the man says airmax plus they woke up again after hearing Futch on the roof of his home.When Futch was asked if he was under the in adidas original campus fluence he said he had injected meth at approximately 2 a.m., an arrest affidavit states.Futch is facing a misdemeanor charge of trespassing. He is being held in adidas samba the Indian River County Jail on $500 bond.

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Nmbz Ryan: Obamacare will be law of the land for the forseeable future
CBS/AP SAN ANTONIO - An Air Force instructor was sentenced to 20 years in prison Saturday after being convicted of rape and sexual assault in a sweeping sex scandal that rocked one of the nation s busiest military training centers.A military jury at Lackland Air Force Base in San Antonio found Staff Sgt. Luis Walker guilty Friday night on all 28 charges he faced, including rape, aggravated sexual contact and multiple counts of aggravated sexual assault. A judge consolidated those charges Saturday into 20, but that didn t affect Walker s maximum sentence. H stanley cups uk e could have received life in prison.Walker is among 12 Lackland Air Force Base instructors investigated for sexual misconduct toward at least 31 female trainees, and he faced the most serious counts among the six instructors charged in the case. Air Force instructor convicted of rape, assaultProsecutor: Instructor accused of rape was wolf in sheep s clothing Sgt. charged in Air Force sex scandal a predator : ProsecutorProsecutors say from October 2010 through January 2011, Walker sexually assaulted or had impr stanley kubek oper sexual or personal contact with at least 10 female recruits. Lackland is where all Air Force recruits go through basic training. Several of Walker s alleged victims testified during his court-martial, including one who described how Walk stanley water bottle er lured her into an office and sexually assaulted her on a bed, ignoring her pleas to stop. The Associated Press does not usually Rvoj Man shot inside Washington DC television station building
We re less than a week from the official start of sum adidas original campus mer, but nearly the entire c dunks shoes ountry has already had a taste of the hot weather associated with the season in the middle of the year.RELATED: Storm Shield app provides life-saving weather alertsRELATED: RadarCast can tell you when it s about to rain at your locationMost of the Plains, the Midwest and the Northeast all experienced some unseasonably hot summer temperatures as early as March.The Northwest felt the summer heat a month later.And the Southwest is expecting their second heat wave this year with temperatures expected to top out well into the triple digits.But what if those hot summer temperatures never showed up What if the United States was still getting frost in July Or August All of that happened 200 years ago.It s been called the summer without summer, 1800 and froze to death and Poverty Year. This cooler than normal season most harshly affected Europe, but it also had adverse effects on a very young United States, too.Follow Storm Shield Meteorologist Jason Meyersvia the Storm Shield appon Twitter, Facebook, and YouTube. Download the Storm Shield Weather Radio App for your iPhone or Android device and get severe weather alerts wherever salomon winterschuhe you are. Named by Time one of the best weather apps for your iPhone.