Congress should push for mandatory gun insurance - Analysis ...

By Robert Cyran and Reynolds Holding

The authors are Reuters Breakingviews columnists. The opinions expressed are their own.

Congress should push for mandatory gun insurance. Firearm ownership is a U.S. constitutional right. But as last week?s massacre again demonstrated, it comes at a cost. Requiring liability coverage could be one way to keep the most dangerous weapons from unstable hands without infringing the law.

The biggest legal obstacle to gun regulation is the U.S. Constitution?s Second Amendment. The right to bear arms has generally trumped strict limits on ownership, especially since the Supreme Court?s 2008 decision extended the right to individuals. Imposing a hefty insurance policy could make owning a firearm prohibitively expensive for some and create constitutional problems.

But tying the price of coverage to the cost of gun incidents could work. And there?s a strong argument that damage caused by firearms gives the government a ?compelling interest? to require insurance, the test for infringing a constitutional right. There?s already a precedent: the National Rifle Association offers liability insurance to members.

Moreover, the market should be efficient at weighing the risks. Insurers specialize in figuring out the odds of something going wrong and charging the appropriate amount. Car insurance premiums are based on both the driver and the vehicle. A 19-year-old man with a Porsche and a history of moving violations pays far more than a 40-year-old minivan driver with a clean record.

So a shotgun owner who has hunted for years without incident could be charged far less than a first-time owner purchasing a semi-automatic. In other words, people would be financially discouraged from purchasing the most risky firearms and encouraged to attend gun safety classes and use trigger locks. And the insurance could provide some restitution for those hurt by guns.

There are drawbacks, of course. Insurance would probably only cover the owner, not the gun, so could be useless in incidents where the gun has been stolen. And those looking to get guns off the streets fast would be disappointed: it would take some time for the discouraging effects of high insurance premiums to trickle down.

Tying insurance to ammunition sales as well could make such a policy more effective more quickly. Either way, liability coverage could be one way to bring the two sides of the gun control debate together.

Source: http://blogs.reuters.com/breakingviews/2012/12/17/congress-should-push-for-mandatory-gun-insurance/

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Marty Kaplan: Sandy Hook, Sandy and the Politics of Learned Helplessness

"We have got to get Michelle to make this her priority."

It was my friend Judith, a wise woman, a mother and grandmother, on the phone from across the country, the evening of the day of the Newtown massacre, trying to figure out how to enlist the first lady in a campaign against gun violence.

From the email Judith wrote her: "Unless from the top with unyielding outrage we rein in and destroy the gun lobby -- unless we stigmatize the NRA as we stigmatized the Ku Klux Klan -- we will be robbed of any claim we have to our children's and grandchildren's respect."

She was calling to get my help to get Michelle Obama's attention. I was appalled by how effortlessly cynical was the response that came out of my mouth.

This one is different, I said. That's what everyone is saying, and it's true. Mowing down first-graders with a Bushmaster ("for us, building rifles and carbines is more than a job -- it's a passion") turns a new page in hell.

But even if Michelle Obama does take this on; even if her husband, freed from the calculus of re-election, summons us in a soaring second inaugural to curb the culture of gun violence; even if in his State of the Union address to Congress he demands a ban on assault weapons, on high-count magazines and on armor-piercing bullets, and he calls for an end to firearms sales at gun shows, and requests funds for mental health screening and violence prevention -- no matter what the first lady or the president or millions of mothers marching on Washington or the rest of us may say or do, neither the House nor the Senate will pass such a law. The NRA is simply too powerful. There are too many cowards in Congress, on both sides of the aisle, who will protect their seats before they protect their fellow citizens.

By the end of the weekend, I realized that "cynical" isn't the right word to describe my reaction to Judith's idea to recruit Michelle Obama. Nor is Realpolitik. Here's what it is: learned helplessness -- a 21st century disease of the American soul, born of the dysfunction of our political system. It's the sinking admission that we are powerless to be the change we've been waiting for. It's the painful evidence that the Washington deck is stacked against the kind of gun regulation that even cops and most of the NRA's own members favor. It's the gut-punching recognition that no horror, however unspeakable, will turn that around. This wail is a civic sickness, and I got it bad, and that ain't good.

And it's not just about guns.

The devastation caused by Hurricane Sandy was widely characterized as a wake-up call on climate change. It dragged the global environmental crisis into the U.S. presidential campaign at the eleventh hour, after its disgraceful absence from national debate. It was hailed as a shot of courage for timid lawmakers to consider a carbon tax, and to abjure the myth of "clean coal," and to confront the real risks of exploiting oil shale and tar sands. It was an opportunity to alert the public to the fraudulent claim that scientists differ on climate change, a hoax financed by the fossil fuel industry and modeled on the phony controversy over cigarettes causing cancer that was manufactured by Big Tobacco. At the end of August, in Tampa, Mitt Romney got laughs for saying, "President Obama promised to slow the rise of the oceans and to heal the planet"; only two months later, when Sandy brought misery and death to the eastern seabord, it became clear that the joke was on us.

Public opinion polls bear that up. The same day as the Sandy Hook slayings, an Associated Press-Gfk poll was released; it found that 4 out of 5 Americans say global warming will be a serious U.S. problem unless action is taken to reduce it. "Belief and worry about climate change," said the AP,

"are inching up among Americans in general, but concern is growing faster among people who don't often trust scientists on the environment. In follow-up interviews, some of those doubters said they believe their own eyes as they've watched thermometers rise, New York City subway tunnels flood, polar ice melt and Midwestern farm fields dry up."

Reporting this poll, The Hill, a Capitol Hill newspaper, told its congressional readers that "57 percent of adults believe the U.S. government should do a 'great deal' about global warming." Will it? I can imagine inspiring words about climate change from the president in January. I can believe that grass-roots efforts like Bill McKibben's 350.org will continue to gain traction on college campuses. I have no doubt that the more stories about climate change that Americans hear and see, the more they will demand action from their representatives.

But as things stand, it is virtually inconceivable to me that our lawmakers will rise to the challenge. The petroleum industry swings as big a bat in Washington as the gun lobby. Even if the president has the second-term courage to propose it, our corrupt campaign finance system won't make an enlightened exception for a cap-and-trade bill. The fear of losing a race exceeds the fear of losing a planet.

Are special interests invincible? No, and each counter-example is a ray of hope, something we could all use this season. Last August, in the heat of the campaign, President Obama courageously doubled fuel efficiency standards by 2025, which will cut greenhouse gas emissions from cars and light trucks in half. When the assault weapons ban that expired in 2004 was passed in 1994, it was called "a blow to the credibility and power of the nation's gun lobby," proof that the "NRA is no longer bullet proof." Still, I can't help noting that the CAFE standards were raised by executive action, and didn't require the assent of the Tea Party Congress. Or that the 1994 assault weapons ban was able to pass the House (by a razor-thin margin of 216 votes) because the NRA suffered 38 Republican defections, led by GOP leader Bob Michel of Illinois, who arguably was able to reverse his previous opposition to the ban because he -- like several NRA-friendly Democrats who also voted for it -- was about to retire from Congress. That fall, when Newt Gingrich and the Republicans took over the House, the narrative was born, and persists to this day, that bucking the NRA is political suicide.

This time around, I'd love my pessimism to be proven wrong. I'd be thrilled if Michelle Obama were the answer. I'd be grateful to rekindle my confidence in democracy. Learned helplessness is the status quo's most pernicious enabler, and I welcome any ladder out of this pit. But whether it's guns or climate change, poverty or plutocracy, war or water: whatever problem most troubles any of us, I'm convinced that the way forward requires a transformational solution to the power of money and fear to determine our national fate.

This is my column from The Jewish Journal of Greater Los Angeles. You can read more of my columns here, and email me there if you'd like.

?

Follow Marty Kaplan on Twitter: www.twitter.com/martykaplan

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Source: http://www.huffingtonpost.com/marty-kaplan/obama-sandy-hook_b_2311817.html

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Debt Consolidation Loan ? The Right Agency For Your Needs ...

Sorry, Readability was unable to parse this page for content.

Source: http://www.sturly.com/debt-consolidation-loan-the-right-agency-for-your-needs/

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Treasure Map December 21 2012 the best places in the World for ...

Astrocartography is the map of the Sun moon planets and Nodes as they ascend and descend over the earth for any particular place and time. It is an astrology program that maps out ?the best and worst energies coalescing for an individual to live, work or to soak up those specific combinations of energies and powers. Jupiter is luck expansion, Neptune is spirituality and creativity. Venus is love, money and creativity.

December 21 2012 ?is nothing to be afraid of. IT IS ?NOT THE END OF THE WORLD!!!

My cousin Carol Karasik, a writer and tour guide of ?Mayan sites lives at Palenque where the Mayan calendar is and has studied with indigenous Mayans and Archeo-astronomers for over 30 years. She keeps humorously chastising me for writing about Dec 21 2012, it is all hype. The real Maya people ask ?what is all this we hear about the end of the world?? in bewilderment. There a lot of money making scammers out there, fear mongers and New Age delusional false guru?s of the ego.

I am on the side of positive intention, Mercury, Magic in the Tarot. I am not ?all in the Light New Age stuff at all, which my husband refers to as newage, like sewage. I am more inclined to ?Stuart Wilde, its all run by the Fat Controllers, NWO, secret war of the media, David Ike, Alex Jones and the like, Astrologer Eric Francis is doing a good sleuthing story on all this as well.

So if enough people believe in a positive New Feminine World being born ? then that is what they will create. They will have to do the work of embodying it too.

So check out the Dec 21 2012 Winter Solstice ingress which is important anyways, on the Map of the planets in the World,

I will point out the best spots which will hold this power all through 2013 and beyond

world map Dec 21 2012 Astrocartography

The map shows the Glyphs of the Sun Moon the planets, the North Node, Chiron, and the Ascendant Midheaven, Descendant, IC positions on a normal astrology chart.

1st house is AS ascendant -the self

MC = Midheaven the 10th house or high noon position of world applause-career

the IC is the Midnight position, the roots, foundation, womb, private place-home

the DC is the Descendant and has to do with all marriage relationships and all others-marriage

NORTH AMERICA

for great Healing and to connect with our Highest Spiritual goals the pot to be is Los Angeles!?the NORTH NODE and CHIRON cross very near to L.A. this could also mean earthquakes to wake people up too wounded healer Chiron,I am sure there are lots of 2012 ceremonies going on in L.A.

?

FOR EMOTIONAL WAKE UPS got to Southern Florida as the Moon and Uranus the great awakener cross right there?You can blast your old emotional body awake here, also close to CUBA

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Saturn and Neptune cross very far north in North West Canada at?121w03?, 63n42? ?means either get your dreams tested for reality or make your dreams come true on this spot.

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Go to the Cape Verde Islands at?26w47?, 16n25? off the west coast of Africa to HAVE IT ALL! ?there is a convergence of planets ?Jupiter Venus Chiron Neptune very ?romantic, expansive, creative, spiritual and healing!

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GO TO PANAMA!?81w47?, 7n26? where?Pluto Ascends and the Moon is on the IC which is like having it at home where it belongs?Very deep, emotional power, transformation, intensity!!!! Moon PLuto is rebirth rebirth rebirth literally

GUATEMALA?

the Sun rises at the Winter Solstice off the west coast of Guatemala an ancient Mayan stronghold with Uranus planet of higher consciousness the great awakener like Prometheus, lightning bolts like Zeus,Liberation, revolution, COSMIC consciousness. ??Be in the LIGHT here

FRANCE

Uranus and the Moon ascend together crossing over France at?0w32?, 47n08?. ?Go here if you?want to break out of your old dull emotional robot emotions> then go directly to this spot tout suite

NIGERIA AFRICA

MAKe BIG DECISIVE POWERFUL EMOTIONAL CHANGES here in NIGERIAPluto on the MC with Moon Ascending?6e33?, 14n39 ?perhaps the corruptions will be mirrored back at them

feel the SACRED MARRIAGE of the Sun and the Moon in LIVERPOOL!!!!

where the Sun is on the MC at its right full position at NOON and the Moon Ascends at?3w30?, 53n00?.

wow I am blown away! It makes me totally realise ?just what I felt , that the Universe is always handing us clues. This is truly the marriage?of the Sun and the Moon spot, the alchemical marriage in Liverpool home to you know who!

Sacred Marriage Alchemy
twin souls

As archetypal beings, the Beatles ?personally manifested the energies of the Gods and the powers of the Uranus Pluto conjunction opposite Saturn which seeded the 60?s revolution. YES All You need is LOVE, sang John Lennon, and the world was at their feet.

Now I??am having my?mind blown to discover that the energy of their birth place now perfectly holds those powers again.?

The present squares of ?Uranus Pluto now are ushering in the real revolution now. I am awed by the Magic of the Universe. How can there not be a Divine Intelligence?

?

NEWFOUNDLAND/LABRADOR CANADA

Sun and Pluto Ascend with Saturn the karmic Cop on the MC at?56w41?, 52n10? is SOLAR power, the?Sun King ?inducing and connecting to all past lives may be released here on the northern tip of Newfoundland and Labrador in Canada. Get some Labradorite to connect with this energy.

NORWAY?

Want to be a leader of mass events and connecting with large communities then go to?6e46?, 63n11??Pluto is on the MC on the World?s stage and north Node is descending in NORWAY. THis is?Saturn also descends near to this point as well, serious stuff, reality. reminds me of the shootings of all the kids at camp there by a WHITE SUPREMACIST there, could be some fascist, ego power trips to burn off in this place as well.?

LIKE A BOMB- GO to BEnghazi Libya

One of the heaviest crossings is Mars on the MC ?with Saturn Descending on Benghazi Libya?so some serious heavy karmic warfare is issuing from this place.PErhaps burning off the energy of old dictators at this place

the NORTH NODE Descends right through ISRAEL

indicating that the highest spiritual goals may rise or fail due to what happens here or the highest spiritual goals set on Jerusalem. This is also very symbolic literally and allegorically . the New Jerusalem is part of the Book of Revelations, hmmm. Barbara Hand Clow said Israel was just a Holographic projection of ET controlling people through using the guise of religion to manipulate the innocent and create fear and blood shed.

RUSSIA?

Get Sexy Rich and influential as Jupiter Ascends,Venus Descends and Mars is at the MC where they all cross at?24e49?, 58n17? in RUSSIA?can also indicate big power plays,war, angry mobs, lmuch money and armaments could be deployed from here

Sun Descends, Neptune on the MC at?58e49?, 46n40? in Russia ?indicates the waning Masculine and Spirituality and the Arts flourishing on this power line

?RIO De JANERO is the place where the North Node sits on the MC

Rio will be one of the most future oriented and spiritual spots in the world ?along with GREENLAND?

CHINA

Moon on MC, ?Mars descending at?99e00?, 34n44? in CHINA

Feminine Kwan Yin sheds her bountiful compassion as she ?ascends here and the masculine warrior foot binders fall

AUSTRALIA?

Saturn on IC, Mars on DC in Australia at?123e39?, 20s22?.?this would be a very heavy difficult challenging place to be. The energy here represents the most malefic karma. Been bad to Aborigines? Guess what they are very highly developed spiritual peoples who have been dreaming for 35,000 years. It is their turn to take the lead again.

VANUATU Islands ? Most excellent place to be

Chiron and Neptune Descend Jupiter on MC Venus on IC allconverge here at?153e46?, 17s19?. mucho?Healing spirituality Bliss success expansion Love on deep inner planes-garden of EDEN?I am feeling that the energies that cross here will be in effect for all of 2013

JAPAN

Neptune Descends and the North Node on the IC?138e15?, 42n25? ?the roots of illusions, dreams, spirituality, forgiveness, compassion are intrinsic to this area, old dreams die hard. this one makes me nervous as NEptune is also denial, delusion, fantasy about what one?s real intentions are. Neptune rules the Oceans and after Fukushima I am still concerned about Japan causing a huge nuclear meltdown of the oceans and her own people. Power struggles over who owns what.

OMAN

Mercury Descends Neptune on MC at?58e35?, 24n35?close to Muskat OMAN ?which is?good for clarifying your dreams and spiritual direction, great for artists needing new inspiration

CHICAGO TEXAS MID WEST America

Neptune rules OIL so the Mercury line goes through Chicago Texas, Mid west and Mexico indicating a strong connection between the sources of OIL and illusions and delusional mass media comunications about the truth between the two spots. who controls what and who?

Mercury Ascends Uranus on the ?IC in CHICAGO ?at?89w06?, 41n45?.

good for scientific research thinking outside the box, great place for a think tank on how to create this revolutionary new mode;

WINNIPEG CANADA?

Venus ASCENDING Jupiter Descending and URANUS in the IC at?89w47?, 49n34?near WINNIPEG CANADA. Gee who would a thunk it. Expect the unexpected turn your love life around and invent new ways to make money energy and Hi technology here.

so if you cant be there in person it is so easy to remote view yourself there/ Thinking is the best way to travel.

I have used these astrocartography maps in past ceremonies to link myself to the energies of that pace it is very powerful.

Need help with your personal or business treasure map?

get an ?intuitive?astro cartography reading for yourself or as a gift?http://taratarot.com/id78.html

?

?

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Source: http://infinitynow.wordpress.com/2012/12/17/treasure-map-december-21-2012-the-best-places-in-the-world-for-rebirth-astrology-of-2013/

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Kidney failure under the microscope

Dec. 16, 2012 ? Better targeted treatments for 20 per cent of renal failure patients are on the horizon following a key discovery about the role of white blood cells in kidney inflammation.

In a study published December 16 in Nature Medicine, researchers from Monash University tracked the movements of white blood cells, or leukocytes, leading to a new understanding of their behaviour in both healthy and diseased kidneys.

Leukocytes play important protective roles in the body's immune system, but in some cases they cause damaging inflammation. Glomerulonephritis is an inflammatory disease of the kidney that can lead to the need for transplantation or regular dialysis. More than 20 per cent of end-stage renal failure cases result from glomerulonephritis.

Lead researcher, Associate Professor Michael Hickey of the University's Centre for Inflammatory Diseases in the Department of Medicine said the team used advanced microscopy techniques to visualise the movements of leukocytes through the kidney.

"In order to manipulate a system, you must understand it. Now, we have a really clear understanding of the disease process and the molecules involved in the key steps," Associate Professor Hickey said.

"Contrary to conventional medical and scientific opinion, we found that leukocytes are constantly circulating through and patrolling the blood vessels within healthy kidneys. It was previously believed that they only arrived in the kidney during the development of disease. That's not the case. However, during disease they linger in the kidney during the course of their normal journey, become agitated and cause inflammation and kidney damage."

End-stage renal failure leads to significant health and personal impacts, including ongoing visits to a dialysis unit several times a week, or a significant wait for a donor.

Renal Physician and co-investigator Professor Richard Kitching said therapies to effectively target glomerulonephritis were needed before end-stage was reached.

"The treatments we have can be fairly effective, but they are non-specific and they often have unacceptable side effects," Professor Kitching said.

"Currently, we have to suppress the immune system to combat the inflammation and this immunosuppression leaves the body more prone to infections. Additionally, some of the drugs have metabolic side effects, such as weight gain and bone thinning.

"Now we have a better understanding of how the disease develops, we can identify targets for more specific drugs, with fewer side-effects."

The Australia and New Zealand Dialysis and Transplant Registry reported that 19,000 Australians had end-stage kidney failure at the end of 2010.

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Story Source:

The above story is reprinted from materials provided by Monash University.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Sapna Devi, Anqi Li, Clare L V Westhorpe, Camden Y Lo, Latasha D Abeynaike, Sarah L Snelgrove, Pam Hall, Joshua D Ooi, Christopher G Sobey, A Richard Kitching, Michael J Hickey. Multiphoton imaging reveals a new leukocyte recruitment paradigm in the glomerulus. Nature Medicine, 2012; DOI: 10.1038/nm.3024

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/rop-I385gIo/121216132459.htm

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What Does Pay Yourself First Mean? - Budgeting and Personal ...

One of the most-repeated pieces of personal finance advice is to "pay yourself first." But what on earth does this mean?

In my latest article, I describe why the phrase "pay yourself first" applies to all people, not just the self-employed. I also address the concerns and objections voiced by people who think that paying themselves first is not possible.

Enjoy!

Source: http://budgeting.about.com/b/2012/12/16/what-does-pay-yourself-first-mean.htm

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The Mystical Ones

In this quiet little society, everyone seems to be completely normal. But who is "everybody"?

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