New Study: Health Insurance Shoppers are Terrible at Choosing Cost-Effective Plans

Photo Credit: AP

Photo Credit: AP

Health insurance shoppers do a terrible job of picking the plan that will serve them best, according to a new study.

The study presented subjects with health insurance websites that mirror the exchanges set up by the Affordable Care Act and asked them to pick a plan. The results were not pretty: Left to their own devices, consumers who selected their own plans ended up only slightly better off than they would have had their plans been assigned randomly.

When given four options, the consumers chose the most cost-effective plan only 42 percent of the time. When given eight options, the success rate plummeted to 21 percent—a rate indistinguishable from random assignments.

The researchers then repeated the study, but this time with added “cost calculators” on the mock website aimed at helping consumers. Even then, shoppers picked the most cost-effective option only 47 percent of the time, typically choosing plans that would cost them an extra $364.

In a final iteration, researchers offered the shopping choices to M.B.A. students enrolled in a consumer finance class. In this pool—where more than half of the subjects came from consulting or financial-services related fields—consumers made the most cost-effective choice 73 percent of the time, and the average mistake dropped to $126.

Read more from this story HERE.

Even Mother Jones Blasts Obama Economy

Photo Credit: WND

Photo Credit: WND

That the U.S. is going through the worst economic downturn and longest unemployment crisis in generations is news to almost no one.

That a left-leaning longtime advocate for Barack Obama’s socialist policies would admit it is.

The blast at the Obama economy came this week from the far left Mother Jones, which said, “Not since the Great Depression has the United States experienced such massive and persistent long-term unemployment.”

The article, under a trio of bylines including Dave Gilson, Tasneem Raja and AJ Vicens, noted that while the Great Recession of 2007 “ended in Jun 2009,” the economy remains full of holes.

“In less than a week, emergency federal unemployment benefits for 1.3 million of these jobless Americans are set to run out. Proponents of ending the benefits argue that the economy is expanding and that the benefits prevent people from finding work,” the report explains.

Read more from this story HERE.

Appeals Court Orders Utah on Christmas Eve: Move Forward With Same-Sex Marriages

Photo Credit: AP Photo/The Deseret News, Tom Smart

Photo Credit: AP Photo/The Deseret News, Tom Smart

A federal appeals court has refused yet again to stop gay marriage in Utah, making it more likely that same-sex weddings in the home of the Mormon church are here to stay for the immediate future.

The 10th U.S. Circuit Court of Appeals’ rejection of Utah’s request for an emergency order to put gay marriage on hold marked yet another legal setback for the state. Utah lawyers have repeatedly struck out in their bid to block gay marriage, getting rejected on four occasions in recent days.

Utah’s last chance to temporarily stop the marriages would be a long-shot request before U.S. Supreme Court. That’s what the Utah attorney general’s office is prepared to do, spokesman Ryan Bruckman said. Gov. Gary Herbert’s office declined to comment on the decision.

“We’re disappointed in the ruling, but we just have to take it to the next level,” Bruckman said.

Carl Tobias, a constitutional law professor at Virginia’s University of Richmond who has tracked legal battles for gay marriage, said he expects the U.S. Supreme Court to make a decision by Friday. He thinks Utah faces long odds to get their stay granted, considering two courts have already rejected it and marriages have been going on for days now.

Read more from this story HERE.

Cleveland Settles, Pays Gun Owner for Weapon Seizure

Photo Credit: Reuters

Photo Credit: Reuters

Derrick Washington is a law-abiding gun owner with a valid concealed-carry permit.

Last February, Washington called local police to report a shooting near his home in Cleveland, Ohio. When police arrived on the scene, they began questioning Washington about the incident.

Although he didn’t tell them initially, probably because it wasn’t germane to the investigation, Washington later admitted that he was a licensed gun owner and that he had a firearm stored in his parked car. The firearm was not linked to the shooting in any way.

According to police reports, officers claim that Washington said he had two vodka drinks that night– a claim that Washington vehemently denies.

Since Washington had been allegedly drinking and because he waited to tell the officers that he was a law-abiding gun owner with a carry permit, the officers put him in cuffs, confiscated his .38-caliber Taurus from inside his vehicle and charged him with using weapons while intoxicated and illegally carrying a concealed weapon.

Read more from this story HERE.

Santa’s Workshop Was Not the Problem; It Was Delays at UPS and FedEx

Photo Credit: Fox News

Photo Credit: Fox News

By Fox News.

It wasn’t a problem at Santa’s workshop that held up Christmas presents for some this year, but rather, shipping problems at UPS and FedEx.

The delays were blamed on poor weather earlier this week in parts of the country as well as overloaded systems. The holiday shopping period this year was shorter than usual, more buying was done online and Americans’ tendency to wait until the last possible second to shop probably didn’t help either.

Neither company said how many packages were delayed but noted it was a small share of overall holiday shipments. While the bulk of consumers’ holiday spending remains at physical stores, shopping online is increasingly popular and outstripping spending growth in stores at the mall.

The problems appear to have affected many parts of the country. The Associated Press spoke to people in Alabama, California, Georgia, Kansas, Louisiana, Nevada, Ohio, Oklahoma, South Carolina, Texas and Virginia who didn’t receive presents in time for Christmas.

Many were left with little or no time to make alternative plans.

Read more from this story HERE.

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Shipping overload leaves many Christmas giftless

By Shelly Banjo.

Many shoppers are blaming online retailers for stealing Christmas.

Companies from Amazon.com Inc. to Kohl’s Corp. and Wal-Mart Stores Inc. promised to deliver items from headphones to television sets before Christmas, but shipping delays left gift-givers across the country without anything to put under the tree.

On Christmas Eve, Brandon Scott was still waiting for a 46-inch Samsung TV and Kate Spade watch he ordered from Amazon on Saturday.

“I’m frustrated because these items could have easily been purchased at various retailers in my area, something I would have gladly done had Amazon not guaranteed’ their arrival before Christmas,” said Mr. Scott of Ann Arbor, Mich.

An unexpected surge of online orders in the past few weeks appears to have strained the limits of delivery and fulfillment infrastructure at retailers and parcel carriers. While instances of bad weather, Web glitches and late deliveries from manufacturers also played a part, the sheer volume may have been the problem, according to retail analysts.

Read more from this story HERE.

US and Canada Scramble to Restore Power to Half a Million Homes Following Deadly Ice Storm

Photo Credit: Angelika Cox/Demotix/Corbis

Photo Credit: Angelika Cox/Demotix/Corbis

Utility crews from Maine to Michigan and into Canada worked on Wednesday to restore power to more than half a million homes that were left in the dark by last weekend’s ice storm, which has been linked to 27 deaths.

In the United States, the death toll from the storm reached at least 17 on Wednesday, from traffic accidents and carbon monoxide fatalities.

Ten people were reported dead in Canada, including five from apparent carbon monoxide poisoning.

Police said two people in Ontario died after using a gas generator to heat their blacked-out home north-east of Toronto. Police in Quebec said carbon monoxide poisoning was believed to be the cause of three deaths in a chalet on the province’s North Shore. Earlier, five people were killed in eastern Canada in highway crashes blamed on severe weather conditions.

The ice storm last weekend was one of the worst to hit during a Christmas week, and repair crews were working around the clock to restore service.

Read more from this story HERE.

President Ronald Reagan’s First Christmas Message (+video)

Screen shot 2013-12-24 at 11.37.27 AMAt Christmas time, every home takes on a special beauty, a special warmth, and that’s certainly true of the White House, where so many famous Americans have spent their Christmases over the years. This fine old home, the people’s house, has seen so much, been so much a part of all our lives and history. It’s been humbling and inspiring for Nancy and me to be spending our first Christmas in this place.

We’ve lived here as your tenants for almost a year now, and what a year it’s been. As a people we’ve been through quite a lot—moments of joy, of tragedy, and of real achievement—moments that I believe have brought us all closer together. G. K. Chesterton once said that the world would never starve for wonders, but only for the want of wonder.

At this special time of year, we all renew our sense of wonder in recalling the story of the first Christmas in Bethlehem, nearly 2,000 year ago.

Some celebrate Christmas as the birthday of a great and good philosopher and teacher. Others of us believe in the divinity of the child born in Bethlehem, that he was and is the promised Prince of Peace. Yes, we’ve questioned why he who could perform miracles chose to come among us as a helpless babe, but maybe that was his first miracle, his first great lesson that we should learn to care for one another.

Tonight, in millions of American homes, the glow of the Christmas tree is a reflection of the love Jesus taught us. Like the shepherds and wise men of that first Christmas, we Americans have always tried to follow a higher light, a star, if you will. At lonely campfire vigils along the frontier, in the darkest days of the Great Depression, through war and peace, the twin beacons of faith and freedom have brightened the American sky. At times our footsteps may have faltered, but trusting in God’s help, we’ve never lost our way.

Just across the way from the White House stand the two great emblems of the holiday season: a Menorah, symbolizing the Jewish festival of Hanukkah, and the National Christmas Tree, a beautiful towering blue spruce from Pennsylvania. Like the National Christmas Tree, our country is a living, growing thing planted in rich American soil. Only our devoted care can bring it to full flower. So, let this holiday season be for us a time of rededication.

Even as we rejoice, however, let us remember that for some Americans, this will not be as happy a Christmas as it should be. I know a little of what they feel. I remember one Christmas Eve during the Great Depression, my father opening what he thought was a Christmas greeting. It was a notice that he no longer had a job.

Over the past year, we’ve begun the long, hard work of economic recovery. Our goal is an America in which every citizen who needs and wants a job can get a job. Our program for recovery has only been in place for 12 weeks now, but it is beginning to work. With your help and prayers, it will succeed. We’re winning the battle against inflation, runaway government spending and taxation, and that victory will mean more economic growth, more jobs, and more opportunity for all Americans.

A few months before he took up residence in this house, one of my predecessors, John Kennedy, tried to sum up the temper of the times with a quote from an author closely tied to Christmas, Charles Dickens. We were living, he said, in the best of times and the worst of times. Well, in some ways that’s even more true today….

Let the light of millions of candles in American homes give notice that the light of freedom is not going to be extinguished. We are blessed with a freedom and abundance denied to so many. Let those candles remind us that these blessings bring with them a solid obligation, an obligation to the God who guides us, an obligation to the heritage of liberty and dignity handed down to us by our forefathers and an obligation to the children of the world, whose future will be shaped by the way we live our lives today.

Christmas means so much because of one special child. But Christmas also reminds us that all children are special, that they are gifts from God, gifts beyond price that mean more than any presents money can buy. In their love and laughter, in our hopes for their future lies the true meaning of Christmas.

So, in a spirit of gratitude for what we’ve been able to achieve together over the past year and looking forward to all that we hope to achieve together in the years ahead, Nancy and I want to wish you all the best of holiday seasons. As Charles Dickens, whom I quoted a few moments ago, said so well in “A Christmas Carol,” “God bless us, every one.”

Read more from this story HERE.

A&E Celebrates Christmas with ‘Duck Dynasty’ Super Marathon

Photo Credit: FOX

Photo Credit: FOX

A&E may have given “Duck Dynasty” star Phil Robertson the heave-ho when they suspended him from future episodes of the show last week, but the network is still welcoming him home for holidays.

The channel is celebrating Christmas with a staggering 25 consecutive episodes of their No. 1 show, beginning at 3:30 p.m. on Christmas Day and running until the wee hours of Dec. 26.

According to the schedule on A&E’s website, the Robertsons will take over the channel until 4 a.m., and then paid programming —meaning infomercials—will kick in.

And don’t think controversial papa Phil will be left out of the Christmas Day airings. He is a key character in plenty of the episodes scheduled to air, including “Quack-O-Lantern” and “Drag me to Glory.”

For Christmas, A&E is just giving the fans what they want, said Cate Meighan, senior writer for Celeb Dirty Laundry.

Read more from this story HERE.

A Soldier’s Christmas

Photo Credit: Marine Corps Archives & Special Collections

Photo Credit: Marine Corps Archives & Special Collections

T’was the night Before Christmas, he lived all alone,
In a one bedroom house made of plaster and stone,
I had come down the chimney with presents to give
And to see just who in this home did live,

I looked all about, a strange site did I see,
No tinsel, no presents, not even a tree,
No stockings by the mantle, Just boots filled with sand,
On the wall hung pictures of far distance lands.

With Medals and badges, Awards of all kinds,
A sober thought came through my mind.
For this house was different, it was dark and dreary,
I had found the home of a soldier once I could see clearly
I heard stories about them, I had to see more
So I walked down the hall and pushed open the door.

The solider lay sleeping, silent, alone,
Curled up in this, His one bedroom home.
The face was so gentle, the room in such disorder
Not how I pictured a United States Solider.

Was this the War Hero of whom I’d just read?
Curled up on a poncho, the floor for a bed?
His head was clean shaven, his weathered face tan,
I soon understood this was more than a man.
I realized the families that I saw this night
Owed they’re lives to these soldiers who were willing to fight.

Read more from this story HERE.

Child of Promise: A Prayer for Christmas Morning

Photo Credit: joyfulheart.com

Photo Credit: joyfulheart.com

Who are you little baby? Who are you little Christchild, lying so quietly in manger straw? Who are you that angels should herald your presence and stars announce your birth? That wisemen and shepherds — the high and the low — should bow before you? Who are you, child of Bethlehem, son of David? What is your future? What is your promise?

Seven centuries before your birth the ancient Scriptures speak of you.

For to us a child is born,
To us a son is given,
And the government will be on his shoulders,
And his name will be called
Wonderful Counselor,
Mighty God
Everlasting Father,
Prince of Peace.
Of the increase of his government and of peace
There will be no end.*

What is this government? What is this peace, O Christmas baby? Are you a warrior-to-be? Are you a king? What promise do you hold?

Read more from this story HERE.