threatpost: Texas Cancer Center Alerts Patients to Personal Data Theft -- Almost Two Months Later - http://t.co/yaEw9fBy

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Source: http://twitter.com/threatpost/statuses/218694798264111104

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An Autoresponder Integrated With Your Shopping Cart Solution Means

You need to combine an autoresponder with your shopping cart software to boost the success of your online marketing business. Not having an autoresponder suggests that you are forfeiting additional business that could potentially be huge. You might even be dooming your web site to be a complete disaster. Whenever you make a sale on your web site, you should thank the customer and advise them that their purchase was successfully completed. With a simple e-mail response from an autoresponder, this can happen very quickly.

That must not be the end of your communication with them, because the easiest person you can sell to, is an individual who has already made a purchase from you. You can actually use the occasion for more marketing, by bringing to their attention any excellent offers you?ve got going. Even your thank you e-mail could bring about further business, by just adding some information about complementary or allied products. You may have sold a pair of shoes with a particular brand, and you have a coordinating handbag from the same designer, which you could offer them. As a means of enticing them and keeping them as a customer, offer them a discount off of any of the essential accessories. Surveys Paid review

It?s not opportune to market offers of any sort when sending your sales receipt e-mail. It is vital that this email impresses upon your customer they are valued, and not merely a wallet to be pried open by any means. If you are not an experienced writer, rather employ someone to write this message for you, as it is essential that it strikes the right tone. This expense, which occurs just once, needs to be seen as an investment, the returns from which will manifest as sales engendered through your later autoresponder e-mails. An autoresponder is important to building a successful business, but you do risk infuriating your customers if you use it far too extensively. If you send a lot of offers on a too frequent basis, your customers could feel bothered and unsubscribe from your list. Surveys4Income

You want your customers to feel good about receiving e-mails from you, so you have to keep making them feel valuable. You don?t want their patience to start wearing thin. As long as you are offering them information that?s helpful, they will not mind getting an e-mail every week or maybe even two. You should offer them something, ideally of a special or pertinent nature, only now and then, say every 4th message or so. You should give thought to the wording in your communications, and the design and spacing. When you get this right you?ll be well set to be a success. Surveys 4 Checks reviews

Your business will certainly benefit most if you create longstanding relationships with your buyers. Once you have designed your e-mails the right way, you will start to reap the benefits of having integrated an autoresponder with your shopping cart.

Source: http://2minutetalk.com/an-autoresponder-integrated-with-your-shopping-cart-solution-means-more-business-for-you/

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Important Things to Know About Payday Loans! - Information ...

Most people, who live on a fixed monthly salary, try to plan out their monthly expenses, including those that are over and above the regular ones, such as a holiday outing, or a medical check-up.

But despite all the planning, many a time, you may find yourself faced with urgent expenses for which you may not have enough left to spare nor can you defer it till your next payday. In such situations, fast payday loans come in as a handy solution.

Payday loans are short term payday advance loans that are provided to borrowers when they need money urgently to tackle financial emergencies. These types of loans are given at significantly higher interest rates and the borrower needs to repay by the next payday.

It is true that fast payday loans give you money and peace of mind, but at times they can be quite confusing. Hence, it is essential to know the financial terms involved in these loans, before going in for a payday loan.

Discussed below are some of these important aspects:

<b>1. Annual Percentage Rate: </b>

Annual Percentage Rate, also known as APR is the standard measure to find out the total cost of a fast payday loan. Usually, on a 30 day payday loan, the APR is 1355 percentage. There are many lenders who do not prefer to disclose the APR values to the customer. However, it?s important to know the APR value as it tells the exact amount needed to return back to the lender.

For example, you borrowed ?100 from any financial company for a period of one month. At the end of the month you need to return the original ?100 plus ?25 as interest. That ?25 indicates that there is an APR of 25% on the payday loan.

<b>2. Roll over: </b>

Suppose you have borrowed say ? 200 but by the time of your next payday, you are unable to repay the loan. Then what? Here comes the facility of ?roll over?.

Roll over is a very commonly used term in the loan industry. This facility is quite helpful for borrowers who are unable to repay the loan on time and wish to apply for an extension on their loan. With roll over, payday lenders extend the repayment date to the next payday.

But, now the borrower needs to pay more interest as the lender usually charges additional fee for each rollover, thus, adding more interest to the original debt value. It is possible to have multiple rollovers on one single fast payday loan but not all payday lenders provide such facility.

<b>3. Borrowing from a trusted provider: </b>

Before selecting a money lending company, the borrower must be aware of the authenticity of that company. Take it as a negative signal, if very little information is available about the lender?s profile, or if a lender speaks too much about the terms and conditions of the loan.

<b>4. Local rules and regulations: </b>

Payday advance loan is a very new concept, but due to its attractive features it has gained popularity. Yet, in many countries it is regarded as a controversial practice and at times had to face legal battles to prove its worthiness. Hence, it becomes very important to apply for a loan from a payday loan lending company which is approved and legal.

Keep in mind these above mentioned points to avoid future inconvenience while applying for a fast payday loan.

Daniel Bell is a writer on business and finance. He specializes in writing on Payday Advance, financial planning and investment options. His write-ups highlight the different aspects of Fast Payday Loans provided by UK companies.

This entry was posted on Thursday, June 28th, 2012 at 9:10 pm and is filed under Loans. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.informationwarehouse.co.uk/finance/loans/important-things-to-know-about-payday-loans/

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Where states stand on implementing health care law

Here is a look at where each of the 50 states stand on implementing President Barack Obama's federal health care overhaul, which the Supreme Court ruled Thursday can go forward with its aim of covering more than 30 million uninsured Americans.

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ALABAMA

NUMBER OF UNINSURED: 720,000 state residents are uninsured, or about 15.4 percent.

WHERE THE STATE STANDS: Republican Gov. Robert Bentley, a physician, created a commission in 2011 to recommend a plan for a health insurance exchange, but he successfully opposed efforts by some legislators to enact one in May. Critics said the bill would have limited the exchange to companies operating statewide, which is one at this point. Bentley said it was premature to act before the Supreme Court ruled.

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ALASKA

NUMBER OF UNINSURED: 125,000 state residents are uninsured, or about 18 percent.

WHERE THE STATE STANDS: Alaska, which is among the states that sued over the constitutionality of the federal health care law, has yet to implement a health care exchange. The health department has hired a consultant to help design one, and that report is expected soon.

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ARIZONA

NUMBER OF UNINSURED: 1.28 million state residents not covered, or about 19 percent

WHERE THE STATE STANDS: Arizona is among the states challenging the constitutionality of the health care overhaul. The lawsuit covers about 22,000 people statewide, including some 14,000 people in the Phoenix area. Republican Gov. Jan Brewer's administration is moving to implement part of the contested law by reviewing health insurance rates to see if they should be labeled unjustifiably high. The state also has accepted a federal grant to create a state health insurance exchange.

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ARKANSAS

NUMBER OF UNINSURED: 539,000 state residents are uninsured, or about 19 percent.

WHERE THE STATE STANDS: Arkansas decided on a federal-state partnership for its health insurance marketplace. Legislators blocked a bill by which the state would have created its own insurance exchange but have since accepted a grant that will allow it to at least have a role in the federally created exchange.

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CALIFORNIA

NUMBER OF UNINSURED: NUMBER OF UNINSURED: 7,209,000 state residents are uninsured, or about 19 percent.

WHERE THE STATE STANDS: California has worked to be a model for the health care law and has begun implementing parts of it already, including creating the beginnings of health care exchanges to provide consumers a marketplace to purchase insurance policies starting in 2014. The state has also already banned insurers from refusing coverage for children with pre-existing illnesses and young adults are allowed to stay on their parents' plans through age 26 in California.

___

COLORADO

NUMBER OF UNINSURED: 656,000 state residents are uninsured, or about 13 percent.

WHERE THE STATE STANDS: Colorado lawmakers passed legislation in 2011 to set up health insurance exchanges, and a commission is in the process of implementing them. The exchanges are set to start October 2013.

___

CONNECTICUT

NUMBER OF UNINSURED: About 377,000 state residents are uninsured, or about 11 percent.

WHERE THE STATE STANDS: Connecticut has hired staff and a board of directors to begin implementing health care exchanges and have them in place by the 2014 deadline set by the federal law. The state already is allowing people under 26 years old to stay on their parents' health insurance policies, which is part of the federal law.

___

DELAWARE

NUMBER OF UNINSURED: Between 100,000 and 110,000 Delaware residents are uninsured, about 11 percent of the state's population.

WHERE THE STATE STANDS: Delaware officials are working on a health care exchange. State officials also are accepting public input as they come up with minimum coverage requirements that must be included in health care plans for individuals and small businesses.

___

FLORIDA

NUMBER OF UNINSURED: 3.85 million Floridians are uninsured, or about 21 percent.

WHERE THE STATE STANDS: Republican Gov. Rick Scott ordered the state not to accept federal money for implementing the health care law after he took office last year. Florida has rejected or declined to pursue more than $106 million and has returned $4.5 million. The state has its own health insurance exchanges, mainly for small businesses but without an individual mandate. The state has not implemented an exchange that would meet the requirements of the federal law.

___

GEORGIA

NUMBER OF UNINSURED: 111,000 state residents are uninsured, or 19 percent.

WHERE THE STATE STANDS: Georgia has done nothing to implement a health care exchange. Lawmakers have introduced bills that would either allow or hinder implementation of the law, though none have passed.

___

HAWAII

NUMBER OF UNINSURED: 97,000 state residents are uninsured, or 7.7 percent.

WHERE THE STATE STANDS: Hawaii has been moving at full speed in anticipation the overhaul will be upheld. It joined several states last year in filing a friend-of-the-court brief in support of the law. Gov. Neil Abercrombie, a Democrat, said at the time the law preserved the best elements of Hawaii's long-standing health care statutes. The state also used a $300,000 private grant to create a state job for a coordinator to implement the overhaul. Hawaii plans to develop its own insurance exchange, a key component of the federal overhaul.

___

IDAHO

NUMBER OF UNINSURED: 294,000 state residents are uninsured, or about 19 percent.

WHERE THE STATE STANDS: Idaho has not implemented health insurance exchanges, over objections from insurers including Blue Cross of Idaho. The GOP-controlled Idaho Legislature declined to accept federal grants for the project and also balked at putting together a scaled-down state-funded version while awaiting the Supreme Court's decision.

___

ILLINOIS

NUMBER OF UNINSURED: 1,914,000 state residents are uninsured, or about 15 percent.

WHERE THE STATE STANDS: Illinois has received three federal grants to study and start building its health insurance exchange, but the Legislature has failed to pass a law establishing it. Gov. Pat Quinn, a Democrat, has considered an executive order to do that, but now may pursue a federal-state partnership instead.

___

INDIANA

NUMBER OF UNINSURED: 850,000 state residents are uninsured, or about 13.4 percent.

WHERE THE STATE STANDS: Republican Gov. Mitch Daniels ordered state agencies to build a framework for a possible exchange, but he has not implemented one pending the Supreme Court ruling. Indiana also has pushed to use its health savings account to help cover an estimated 500,000 who will become eligible for Medicaid in 2014 under the federal health care overhaul, but federal officials denied the request in September, saying it was premature.

___

IOWA

NUMBER OF UNINSURED: 366,000 Iowa residents are uninsured, about 12 percent of the population.

WHERE THE STATE STANDS: The state does not have a law establishing a health insurance exchange, and Republican Gov. Terry Branstad has said Iowa will create a state-based exchange only if the law is upheld. The Republican House Majority leader says the state has already enacted several pieces of the law, including a website that helps residents find insurance, but the state has yet to comply with other requirements.

___

KANSAS

NUMBER OF UNINSURED: 350,000 state residents are uninsured, or almost 13 percent.

WHERE THE STATE STANDS: The Republican-dominated state government has been hostile to the 2010 federal law and hasn't moved to set up a health care exchange. Last year, GOP Gov. Sam Brownback's administration returned a $31.5 million federal grant.

___

KENTUCKY

NUMBER OF UNINSURED: 640,000 state residents are uninsured, or about 15 percent.

WHERE THE STATE STANDS: Kentucky has laid the groundwork for a statewide health insurance exchange, but Democratic Gov. Steve Beshear opted to wait for the Supreme Court ruling before moving doing anything more.

___

LOUISIANA

NUMBER OF UNINSURED: 886,000 state residents are uninsured, or about 20 percent.

WHERE THE STATE STANDS: Louisiana has not implemented health care exchanges, instead choosing to have the federal government create and operate them. Republican Gov. Bobby Jindal and Attorney General Buddy Caldwell oppose the health care law, and Louisiana is one of the states challenging it in court.

___

MAINE

NUMBER OF UNINSURED: 121,000 state residents uninsured, or about 9.4 percent. The number may rise due to Medicaid cutbacks authorized by the latest state budget.

WHERE THE STATE STANDS: Maine had a task force to create a health care exchange, but legislation implementing one was set aside until after the Supreme Court's decision. Maine has passed laws implementing components of the law, such allowing parents to add coverage of children up to age 26 and outlawing denial of insurance coverage due to pre-existing conditions. Maine has also passed a law that will allow consumers to shop out-of-state for coverage.

___

MARYLAND

NUMBER OF UNINSURED: 747,000 state residents are uninsured, or about 13 percent.

WHERE THE STATE STANDS: Maryland has passed legislation to create a health care exchange, setting up standards and regulations to run the program and creating the framework for a marketplace where individuals and small businesses can purchase coverage.

___

MASSACHUSETTS

NUMBER OF UNINSURED: Massachusetts says 120,000 people, or about 2 percent of the population, remained uninsured in 2010. The U.S. Census Bureau had a somewhat higher estimate of about 370,000 people, or more than 5 percent of the population.

WHERE THE STATE STANDS: Massachusetts passed a sweeping health care law in 2006 that became the blueprint for the federal overhaul. Many of the key elements of the federal law, including the "individual mandate" requiring nearly everyone have insurance, remain the law in Massachusetts.

___

MICHIGAN

NUMBER OF UNINSURED: 1.27 million Michigan residents are uninsured, about 13 percent of the population.

WHERE THE STATE STANDS: The Department of Licensing and Regulatory Affairs has been working to set up a health insurance exchange but has had limited success because House Republicans refuse to let it use $9.8 million in federal planning dollars. Because of looming federal deadlines to have an exchange in place, state officials are planning for a state-run exchange while also talking to federal officials about a possible partnership on a federal exchange where the state handles just some responsibilities, such as customer service.

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MINNESOTA

NUMBER OF UNINSURED: 509,000 state residents are uninsured, or about 9.8 percent.

WHERE THE STATE STANDS: Minnesota has embraced the health care overhaul more than many states. Democratic Gov. Mark Dayton used a provision in the federal law to extend Medicaid coverage to more than 80,000 vulnerable adults as soon as he took office in 2011. His administration has focused on developing an online health insurance exchange envisioned as a key part of the law, securing $28.4 million from the federal government for Minnesota's planning efforts.

___

MISSISSIPPI

NUMBER OF UNINSURED: 618,000 state residents are uninsured, or about 21 percent.

WHERE THE STATE STANDS: Mississippi Insurance Commissioner Mike Chaney, a Republican, has been working on a health care exchange and has accepted federal money for the project. The exchange originally was proposed by Republican Haley Barbour when he was governor.

___

MISSOURI

NUMBER OF UNINSURED: 835,000 state residents are uninsured, or about 14 percent.

WHERE THE STATE STANDS: Missouri received an initial planning grant but has not implemented a health insurance exchange because of opposition to it by some Republican state senators.

___

MONTANA

NUMBER OF UNINSURED: 176,000 state residents are uninsured, or about 18.1 percent.

WHERE THE STATE STANDS: Republican lawmakers in Montana who controlled the Legislature rejected any efforts to establish a health insurance exchange.

___

NEBRASKA

NUMBER OF UNINSURED: 237,000 Nebraska residents are uninsured, about 13 percent of the population.

WHERE THE STATE STANDS: The state does not have a law establishing a health insurance exchange. However, Republican Gov. Dave Heineman has instructed the state Department of Insurance to plan for one in case the law is upheld.

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NEVADA

NUMBER OF UNINSURED: 563,000, or about 21 percent.

WHERE THE STATE STANDS NOW: The Nevada Legislature in 2011 passed a bill implementing the Silver State Health Insurance Exchange and creating a seven-member board to oversee it. Republican Gov. Brian Sandoval opposed the federal health care law as a candidate. He also allowed a private attorney appointed by former Gov. Jim Gibbons to continue representing Nevada in the lawsuit filed by more than two dozen states challenging the law. State officials estimate the Affordable Care Act would cost Nevada $575 million in the first five years as more people become eligible for Medicaid.

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NEW HAMPSHIRE

NUMBER OF UNINSURED: 134,000 state residents are uninsured, or just more than 10 percent.

WHERE THE STATE STANDS: New Hampshire currently has laws that echo portions of the Affordable Care Act, such as allowing dependent unmarried residents to remain on their parent's health care insurance until age 26. Last year, state legislators passed laws that said residents cannot be required to obtain health insurance or be fined for not being covered. They also established a state oversight committee that must give its OK before the federal law is implemented. Democratic Gov. John Lynch's office said it has done some work on implementing aspects of the Affordable Care Act, but has put plans on hold until the U.S. Supreme Court makes its ruling.

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NEW JERSEY

NUMBER OF UNINSURED: 1.3 million, or about 15 percent.

WHERE THE STATE STANDS: The Legislature passed a law to set up a state health insurance exchange, but Republican Gov. Chris Christie vetoed the measure in May, saying he did not want to spend money on something that could be ruled unconstitutional.

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NEW MEXICO

NUMBER OF UNINSURED: 433,000, or about 21 percent.

WHERE THE STATE STANDS: New Mexico this week announced formation of a task force to develop a proposal for creating a state health insurance exchange. Republican Gov. Susana Martinez's administration is also working on an overhaul of Medicaid to try to slow the growth of the program without cutting enrollment or changing who's eligible to receive medical services. The state wants to have the revamped Medicaid program implemented in the fall of 2013.

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NEW YORK

NUMBER OF UNINSURED: 2,886,000 state residents are uninsured, or about 15 percent.

WHERE THE STATE STANDS: Democratic Gov. Andrew Cuomo issued an executive order April 12 to establish a statewide health insurance exchange, where individuals and small businesses could tap up to $2.6 billion in federal tax credits and subsidies, planning to show by January that the state is ready to participate, start taking applications the following October and start operating Jan. 1, 2014.

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NORTH CAROLINA

NUMBER OF UNINSURED: 1.57 million state residents are uninsured, or about 17 percent.

WHERE THE STATE STANDS: Legislation aimed at prohibiting the mandate for individuals to buy health insurance was the first item introduced after Republicans took over control of by North Carolina's General Assembly last year. Lawmakers haven't been able to overcome Democratic Gov. Beverly Perdue's veto of their bill. But work to design health care exchanges has stalled since last summer.

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NORTH DAKOTA

NUMBER OF UNINSURED: 83,000 North Dakota residents, or about 13 percent, had no health insurance in 2010.

WHERE THE STATE STANDS: Legislators rejected a state-run health insurance exchange last year. Majority Republicans said it was too complex and too expensive and to do so would be tantamount to accepting the federal health care overhaul.

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OHIO

NUMBER OF UNINSURED: More than 1.5 million state residents are uninsured, or about 14 percent.

WHERE THE STATE STANDS: Ohio has not moved to create a health care exchange but is evaluating its options. It received a $1 million federal exchange planning grant in 2010. Republican Gov. John Kasich's administration has taken advantage of some parts of the new law to expand coordinated care and propose changes to Medicaid eligibility. Democrats have unsuccessfully pushed bills in the Legislature to set up a state-run exchange. But Lt. Gov. Mary Taylor, who is also Ohio's insurance director, frequently criticizes the overhaul and says it's premature to plan for an exchange without further clarification from the federal government.

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OKLAHOMA

NUMBER OF UNINSURED: About 624,480 Oklahomans are uninsured, or about 17 percent of the state's population.

WHERE THE STATE STANDS NOW: Oklahoma lawmakers first rejected $54 million in federal funding to create a health care exchange and then decided to take no action on developing an exchange, deciding instead to wait and see whether the law is upheld by the U.S. Supreme Court.

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OREGON

NUMBER OF UNINSURED: 612,000 state residents are uninsured, or about 16 percent.

WHERE THE STATE STANDS: Oregon is working aggressively to implement the health care law and is farther along than most other states. The federal government has committed more than $60 million in grants to develop a health insurance exchange that could be duplicated in other states.

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PENNSYLVANIA

NUMBER OF UNINSURED: 1.37 million state residents are uninsured, or about 11 percent.

WHERE THE STATE STANDS: Republican Gov. Tom Corbett, as state attorney general in 2010, joined a group of state officials in challenging the law. Still, Pennsylvania is working to set up a health insurance exchange required by the law, although the state Insurance Department says it is waiting for the Supreme Court's decision before it touches a $33 million grant it won in January to build out the exchange.

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RHODE ISLAND

NUMBER OF UNINSURED: 119,000 state residents are uninsured or about 11.4 percent.

WHERE THE STATE STANDS: Rhode Island has received $58 million in federal funds to assist in the creation of its health benefits exchange. Gov. Lincoln Chafee, an independent, last week picked a former state health official to direct the exchange.

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SOUTH CAROLINA

NUMBER OF UNINSURED: 930,000 state residents are uninsured, or more than 20 percent.

WHERE THE STATE STANDS: South Carolina, which is among the states that sued over the constitutionality of the federal health care law, opted not to implement health care exchanges after a panel concluded there were too many unanswered questions.

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SOUTH DAKOTA

NUMBER OF UNINSURED: Federal officials estimate 105,000 state residents are uninsured, or about 13 percent; South Dakota officials say state survey data is lower, about 9 percent.

WHERE THE STATE STANDS: Republican Gov. Dennis Daugaard has delayed work on setting up a health insurance exchange until the Supreme Court's decision.

___

TENNESSEE

NUMBER OF UNINSURED: About 930,000 people, or 15 percent.

WHERE THE STATE STANDS: Tennessee has laid the groundwork for a health insurance exchange but would have to wait until the Legislature returns in January to complete it.

___

TEXAS

NUMBER OF UNINSURED: About 6.2 million, or about 25 percent.

WHERE THE STATE STANDS: Texas has not implemented a health care exchange. Texas has joined with other states in challenging the law in court. Gov. Rick Perry, who is vocally opposed to the law, says the state can "deliver health care more efficiently, more effectively and cheaper than the federal government can."

___

UTAH

NUMBER OF UNINSURED: 386,000 state residents are uninsured, or nearly 14 percent.

WHERE THE STATE STANDS: Utah implemented a health insurance exchange before the federal Affordable Care Act was passed to help small businesses obtain insurance coverage for their employees. Utah is among 26 states that sued the federal government over the law. Republican Gov. Gary Herbert has criticized the individual mandate and the expansion of Medicaid rolls that administration officials say would cost the state hundreds of millions of dollars.

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VERMONT

NUMBER OF UNINSURED: 59,000 state residents are uninsured, or about 9.5 percent.

WHERE THE STATE STANDS: Vermont in 2011 passed legislation to use the insurance exchange called for under the federal health care law as a springboard to launch a statewide, universal, publicly funded health care system by 2017.

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VIRGINIA

NUMBER OF UNINSURED: Nearly 1.1 million state residents are uninsured, or about 14 percent.

WHERE THE STATE STANDS: Virginia has expressed its intent to create a health care exchange, but Republican Gov. Bob McDonnell has not acted on recommendations made by a gubernatorial advisory council. Virginia filed its own lawsuit challenging the health care law, but lost in federal appeals court.

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WASHINGTON

NUMBER OF UNINSURED: 927,000 state residents are uninsured, or about 13.8 percent

WHERE THE STATE STANDS: Republican Attorney General Rob McKenna signed on to the health care lawsuit against the wishes of the state's Democratic governor and majority Democrats, but Washington state moved ahead this past legislative session with implementing its own health insurance exchange.

___

WEST VIRGINIA

NUMBER OF UNINSURED: 244,000 West Virginians are uninsured, or about 13.5 percent.

WHERE THE STATE STANDS: West Virginia has enacted legislation allowing for a state-run health care exchange, but the state has slowed the pace of setting it up to see how the Supreme Court rules.

___

WISCONSIN

NUMBER OF UNINSURED: 526,000 state residents are uninsured, or about 9 percent.

WHERE THE STATE STANDS: Wisconsin has not begun setting up its health insurance exchange. Work on that was put on hold in January by Republican Gov. Scott Walker, who wanted to await the Supreme Court's decision.

___

WYOMING

NUMBER OF UNINSURED: 93,000 state residents are uninsured, or about 17 percent.

WHERE THE STATE STANDS: Wyoming has not implemented health care exchanges, but a steering committee is studying an exchange for Wyoming and will present a report to the Legislature this fall.

Source: http://news.yahoo.com/where-states-stand-implementing-health-care-law-143122206.html

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Land marvel completed Projects: Land Marvel comparative data in ...

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Following The 2-Step Online Marketing Technique | THMG.com

Wednesday, June 27th, 2012

When it comes to online marketing, 95% of the people doing it are doing it all wrong. This is why 95% of all new online businesses will fail this year. If you want to be in the elite 5% of the people who have success in your internet business, then you will want to change the way in which you market your website.

One of the best things that you can do for yourself when promoting your products and services is to offer something for free, and in return, get your prospect?s name and email address. With your prospect?s name and email address, you can follow up on them via email and eventually get them to buy your product.

This is known as the ?2-step? method of marketing online, and it?s very effective. It doesn?t matter if you sell a $7 product or a $77 product. Building a list can improve your sales and give you a list of prospects that you can sell to over and over again. It just really is that easy.

Now I have to say

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Google's New Cloud Messaging System Does More for Less [Google I/o 2012]

Google unveiled its newest messaging service iteration at the I/O conference today, aptly named Google Cloud Messaging. While it's obviously geared for app developers, users also will see significant performance improvements as the new standard is adopted. Here's what's in store. More »

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Video: What should bullied bus monitor do with donations?

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Huawei Ascend D Quad delayed?

The Verge are reporting that the Huawei Ascend D Quad, that we first got hands on with at MWC back in February, is suffering a delayed release due to its powerful chipset.

Posting on the Chinese microblogging site Weibo yesterday, Yu Chengdong revealed that Huawei was experiencing "technical problems" with its ambitious K3V2 system-on-chip. But he noted that the company's R&D division was "stepping up efforts" to get it ready.

This news certainly will not do Huawei any favors with the likes of the HTC One X and Samsung Galaxy S III already being on sale. The Ascend D Quad is on par with the forementioned handsets specs wise and will be Huawei's flagship device this year.

The 4.5 inch 720P high definition touchscreen 'beast' is powered by Huawei's K3V2 quad-core 1.2GHz/1.5GHz processor so is set to give the other big players a run for their money.

Fingers crossed Huawei can iron out any problems sooner rather than later.

Source: The Verge

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latest computer games news . How To Set Up A Good Gaming ...

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They both allow for intermediate gaming processors such as the Intel Core i7 or AMD Phenom II.You designate towards provide that landing reach a matching motherboard with these types of processors if obtaining conduct seldom already employ one.Detect how far computer hardware ram memory tropical isle necessary.A severe mess of gamers collect it effective when it comes to get advantage memory.Memory destination another critical companion of your supercomputers gaming capability.RAM tropical isle readily available underneath option speeds plus sizes.At present, attaining serving opt involving the top distinctive RAM that tropical island Double Data Rate (DDR) RAM.It remote island twice as fast as a Single Data (SD) RAM.

Getting the adequate RAM tropical island an absolute must as of there is a wide-array of electronic games at this moment that obligation your PC to contract a very low of 1-2 gigabytes.What real trim card do attaining need? If attaining envy on the way to be competitive picture extensive games, ultimately clinching demand in direction of hire a very good video card.You could require a top of the glass of the national boundaries preview card.Some of the main brands of movie unit card sad add more nViidia Geforce in addition to Radeon.When it comes on the way to getting a show card, it island definitive on the way to take individual involving suitable amounts of attach ram additionally particular that region compatible involving pixel shading as well as directX.Get the serious would like that isle best suited about getting plus your computer.Getting a huge hard would like island advantageous a measure of the vast majority gamers.Computer games currently come cumbersome than ever actions toward cinematic clips, expansive graphics also audio files.

Fortunately, serious drives come possibly even being huge furthermore larger.In addition, some troublesome drives dish obtain wake up when it comes to 2 terabytes per drive.Discover a good index chart or LCD with gaming.Larger monitors hail helpful when it comes closer to gaming.Using a huge option proportion toilet bowl enable shoring in the direction of catch sight of spare per frame, such as oncoming enemies.It perhaps depends on top the show card obtaining combine into play, some gamers punishment dull or boring obstacle TVs as monitors on the way to achieve an even big display.Generally stone of the supercomputer hail critical to gaming which includes stream card, hard drive, memory, motherboard in addition CPU like time-honored Internet correlation also substitute elemental hardware accessories.Although ambiance alert a gaming apparatus not well probably are really complicated, mastering what parts ending up require will time sensitive awake plus brand the exercise easier.

?????? 3 ??? latest computer games . How To Set Up A Good Gaming Supercomputer ?????? ?????? latest computer games free download . How To Set Up A Good Gaming Supercomputer ??? ??? ????? 7 ?????? latest computer games news . How To Set Up A Good Gaming Supercomputer

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It&#39;s Never ?Just? A Movie (Or TV Show, Or Entertainment, Or?) | The ...

This morning io9 posted my essay/review about Abraham Lincoln: Vampire Hunter wherein I criticized the movie for being a White Guilt Fantasy and full of fail. Predictably, the site?s many commenters rose up in protest of my assessment ? which I?ll get to in a separate post ? and also whipped out the tried and true ?But it?s just a movie, you?re not supposed to take it so seriously!? line and variations thereof. Looking through the archives, I don?t think I?ve posted a rebuttal to this line of thinking yet, and now?s a good time since I see many clicks over from io9 today.

The bottom line on this issue is simple: If you think that a piece of media such as a movie, TV show, book, or song is merely entertainment and ingest said media without giving any thought to how it influences or shapes you or the culture you exist in, You Are A Sheep.

What!? You cry. Again:

You. Are. A. Sheep.

Don?t worry, you?re not alone. There are millions of sheep like you in America. You spend most of your day listening to terrible music because it?s there, watching terrible television at night because it?s on, and spending extra money going out to terrible movies because you?re trained to.

I?m sure that you actually enjoy these forms of entertainment. The music has a beat you can dance to, the TV shows have some hot people and maybe some angst or whatever, and the movies have explosions or hot people kissing or some cartoon violence. And hey, these things are made to be enjoyed. Even things classified as ?high art? are meant to be enjoyed and people should enjoy them.

The thing that makes you a sheep is that you aren?t aware of how these media products affect you. Oh, I?m sure you?ll say they don?t and it?s stupid to say that TV makes you believe things you don?t really believe. You?ll bring up Tipper Gore and the bugaboo of video games being spuriously linked to violence. I bet you read that in a newspaper somewhere or on a blog that doesn?t challenge your already formed world view.

Okay, okay, I?ll put aside the snarky put downs for a few paragraphs. I can see it?s making you mad.

But honestly, if you don?t spend any time in your life thinking about the messages and world view media presents to you, how can you claim to be anything but a sheep? I?m not even talking about high levels of media criticism here, I?m simply talking about pausing for a moment and being conscious about what your favorite TV show or the latest blockbuster is about on a sub-surface level.

That doesn?t mean you have to take the joy out of your viewing or listening time. You can still be entertained. You should just also be aware.

Because make no mistake, your media is delivering a message to your brain. It?s up to you whether that message flows in there unimpeded and unexamined or if it swirls around in conscious consideration. Movies, television, music, literature and art are products of our culture that are both informed by and inform said culture.

Thus, media might promote stereotypes about women or people of color or a particular religion and do it in such a way that it either plays into already existing stereotypes and prejudices or may even help to create them. You let that pass into your brain unexamined and you may start to believe the stereotypes are real and form the prejudices the media promotes. And you?ll do it without a conscious thought.

It?s never just a show or a movie or a book. Media is always presenting you with a version of the world as imagined by the creator or creators behind it. That?s not always bad, for sure. Sometimes it?s an awesome and amazing view of the world. It?s up to you to make that determination. To say: this is sketchy! Or: This is how I want the world to be!

Another thing to keep in mind is that the backers of mass media are often presenting you with a worldview they really hope you just accept and don?t question, examine or deviate from. This is why the White Guilt Fantasy prevails so well in Hollywood. It?s right up there with the view that women never do anything important, that they exist only to be objectified or to glorify men.

If you don?t see that mass media is sending this any other harmful messages, then you?re not paying attention.

That is what I want you to do, media consumers: pay attention. You don?t have to deeply analyze everything and you don?t have to stop enjoying the things you love. Even if those things are problematic. Humans are capable of being nuanced creatures. You can find fault with a TV show or movie yet still have love for it, or parts of it.

This is how I maintain my love of Doctor Who and why I?ve seen The Avengers 4 times. There are major problems with both of those media entities, and I have no problem acknowledging and even poking at them. But I also let them fill me with squee.

Unlike most white Americans, I can?t afford to be a sheep in our current media landscape. Most of the messages media perpetuates are specifically harmful to me and people I love. I have to pay attention. Perhaps you don?t have to. I?m just saying that you should.

Honestly, do you want to be a sheep for your whole life? Just doing and feeling and thinking what the TV box tells you to?

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Gmail app updated to support Notification Center and more

Google has updated its Gmail app for the iPhone, iPad and iPod touch to include integration with iOS 5's Notification Center; this allows Gmail notifications to show up as banners, alerts and lock screen options. Google claims that notifications show up five times faster than previous versions of the app.

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Jenna Jameson Charged in DUI Case

Jenna Jameson has officially been charged with DUI, having allegedly been using drugs and alcohol when she smashed her car into a pole last month.

Jameson was arrested after the single-car accident early May 25.

We're told she showed visible signs of intoxication, took a field sobriety test, and was subsequently busted on suspicion of DUI. She's now been charged.

According to law enforcement, Jenna blew a .13 and had two prescription drugs in her system, zolpidem (Ambien) and buprenorphine (Suboxone).

Jenna has been charged with two counts of DUI and a count of driving without a valid license. They always pile it on with those traffic charges.

If convicted on all counts, Jenna faces up to a year in jail.

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Salt lake health department - HEALTH, BEAUTY & FITNESS

The exterior look of your house appeals aesthetically but when the bottom is not adequate enough to aid after that it it will not last lengthy. Need For A Healthy Body For Ladies Men and women are among the wonderful masterpieces of God. Obama is basically ordering the chaos that? salt s the healthcare industry and calling it a brand new pediatric plan. The expected amount of cash that the person must spend to become assured within health insurance plan is known as any adverse health insurance quote. Shortfalls are mainly notable department for conditions that are chronic. The bottom line is, the older your body will get, its functioning diminishes efficient. The primary exception continues to be the idealization of communist Cuba? s program by people for example Sean Penn and Michael Moore, which even Fidel salt lake health department Castro themself now confesses doesn? t work. Other nations, a minimum of the developed ones possess a healthcare system that? s set up through the government so they cover everybody equally. At certain areas, healthcare is free of charge sor students. Previously, consumer directed plan designs took on great shape: Medical Savings Accounts ( MSAs), Flexible Investing Accounts ( FSAs), Health Compensation Plans ( HRAs) and Health Savings Accounts ( HSAs). Since we reside in a worldwide lake village, elevated of risks connected with illnesses coming health using their company nations should be thought about. If you? re searching for Texas Online medical health health insurance quote, it? s sure that you could learn more simpler and faster than before through browser. Underneath the cool medical health insurance bill passed in March 2010, American grown ups could be needed to buy and own individual medical health insurance plans beginning in 2014. 2) Compare features, benefits and amounts of service. Many traditional colleges are providing online programs, and you will find numerous accredited schools devoted to online learning. Proper advice and information on diet, exercise, tobacco, alcohol and drug abuse, to avoid stress and accident. Healthcare pricing is reaching astronomical amounts and without healthcare coverage to defray a few of these cost you could discover yourself in personal bankruptcy. Towards the top of their email list is water, then carbohydrates, proteins and fats. If you don? t go to the physician every occasionally, you believe you? re quite healthy. Getting discipline ? This is basically the toughest part. However, if you will find financial constraints, you? ll be able to purchase a fundamental individual plan like the Health Maintenance Organization ( HMO) plans. Group medical health insurance benefits may pediatric health also be presented to retired people, partners and dependent children. For those who have recently been identified rich in cholesterol, then you will need to perform a a bit more searching salt lake health department for top insurance policy.

Related Post Salt lake health department

In such instances, prevention is definitely much better than battling having a cure for your disease. The Impracticality of Finding Inexpensive Medical Health Insurance! Lots of people leave jobs due to the possible lack of health advantages. Pamper and put around you oswego health the soft and warming Gelatin can also toothpaste be used now in cosmetics and pharmaceutical drugs Important note: Don? t pour gelatin directly onto a boiling liquid, because Close your vision and center your mind between your shoulders and face. Millions more and more people every year be eligible for a group If you do not this information is going to inform you reasons why you need to gateway choose a vape instead of occupy smoking,

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The Dick&#39;s Sporting Goods Foundation, ImPACT and Pro Football ...

PITTSBURGH, June 25, 2012 /PRNewswire via COMTEX/ ?
Concussions continue to affect all levels of athletics in the U.S., with an estimated 3.8 million recreation and sports-related concussions occurring in professional, collegiate and youth sports each year.(1) According to the American College of Sports Medicine, approximately 85% of those concussions go undiagnosed.(2) The Dick?s Sporting Goods Foundation today announced that it has partnered with world champion All-Pro quarterback Drew Brees and ImPACT for PACE, the groundbreaking concussion awareness and education program.

PACE, which stands for Protecting Athletes through Concussion Education, aims to inform young athletes about the dangers of concussions in sports and provides free baseline neurocognitive testing for schools and youth athletic programs nationwide. Parents, coaches and school officials can visit
www.DicksSportingGoods.com/PACE to sign up eligible middle, high school and youth athletic organizations to receive free ImPACT (Immediate Post-Concussion Assessment and Cognitive Testing) testing software licenses, which provide baseline tests for up to 300 young athletes free of charge for one year ($500 value).

Utilized by more than three million athletes at thousands of middle and high schools, collegiate and professional sports teams, ImPACT is the first, most-widely used, scientifically-validated computerized neurocognitive evaluation system available. ImPACT begins with a 20-minute baseline test that is administered pre-season. If a concussion is suspected later, another post-injury test is administered by trained clinicians to assess the possible after-effects. The program evaluates multiple aspects of brain function including memory, processing speed, reaction time and post-concussive symptoms, assisting doctors in making return-to-play decisions and potentially reducing the possibility of long-term neurological effects.

?The Dick?s Sporting Goods Foundation has a unique opportunity through PACE to empower parents, coaches and young athletes with the right tools to make sure they?re informed and taking the necessary precautions to manage concussions,? said Edward W. Stack, Chairman and CEO of Dick?s Sporting Goods

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-2.17%

. ?Together with Drew Brees and our partners at ImPACT, our goal is to provide awareness and information so that every athlete, every team and every school can be smart about concussions.?

Record-breaking pro football star Drew Brees, who suffered a concussion in 2005, will serve as the national spokesperson for PACE in 2012, participating in various marketing initiatives to support the program including online video, public relations, and social media engagement.

?As an athlete who has taken the ImPACT baseline as well as the post-injury test following a concussion, I can say firsthand how valuable the results can be in helping to properly determine a safe return to play,? said Brees. ?Through The Dick?s Sporting Goods Foundation PACE Program, we can help educate kids, parents and coaches on some simple, but impactful ways to identify and manage concussions ? including getting a baseline test ? so young athletes can be smarter and safer on the field, on the court and on the ice.?

To help bring even greater awareness to the topic of ?Concussions in Youth Sports? and the benefits of baseline testing for young athletes, The Dick?s Sporting Goods Foundation will host a panel discussion tomorrow at the New York Institute of Technology (NYIT) Auditorium in New York. Moderated by pro football insider Adam Schefter, the panel will feature Drew Brees, neuropsychologist, CEO and Co-Founder of ImPACT, Dr. Mark Lovell, gold medal-winning women?s soccer goalkeeper Briana Scurry, two-time world champion football star Carl Banks and hockey world champion and Hall of Famer Mike Richter.

?The Dick?s Sporting Goods Foundation PACE program represents the largest baseline neurocognitive testing initiative ever and ImPACT is proud to be associated with this program,? said Dr. Mark Lovell, CEO and Co-Founder of ImPACT. ?The PACE program will create a safer environment for youth athletes and represents an exciting opportunity to better educate athletes, their parents and all other participants in youth sports.?

For more information on The Dick?s Sporting Goods Foundation PACE Program, including how to sign up your school or athletic program to receive free ImPACT software or how to receive a free PACE green wristband at participating Dick?s Sporting Goods stores, please visit
www.dickssportinggoods.com/PACE .

(1) Journal of the American Academy of Pediatrics, Vol. 126 No. 3, September 1, 2010, pp. 597-615 (doi:10.1542/peds.2010-2005)

(2) American College of Sports Medicine (ACSM): ?Concussions: ACSM Issues Recommendations for Diagnosis, Treatment and Prevention,? Press Release, June 2, 2006

About The Dick?s Sporting Goods FoundationThe Dick?s Sporting Goods Foundation is an exempt 501(c)(3) nonprofit corporation created by Dick?s Sporting Goods, Inc. as a private corporate foundation to support Dick?s charitable and philanthropic activities.

About Dick?s Sporting Goods, Inc. Dick?s Sporting Goods, Inc.

/quotes/zigman/310940/quotes/nls/dks DKS
-2.17%

is an authentic full-line sporting goods retailer offering a broad assortment of brand name sporting goods equipment, apparel and footwear in a specialty store environment. The Company also owns and operates Golf Galaxy, LLC, a golf specialty retailer. As of April 28, 2012, the Company operated more than 480 Dick?s Sporting Goods stores in 44 states, more than 80 Golf Galaxy stores in 30 states and eCommerce websites and catalog operations for Dick?s Sporting Goods and Golf Galaxy. Dick?s Sporting Goods, Inc. news releases are available at
http://www.dickssportinggoods.com/investors . The Company?s website is not part of this release.

About ImPACTImPACT (Immediate Post-Concussion Assessment and Cognitive Testing) is America?s most widely used, and independently validated and researched neurocognitive-evaluation system. Founded by Drs. Joseph Maroon, Mark Lovell and Michael ?Micky? Collins, this comprehensive approach today is the standard adopted across the NFL, NHL, Major League Baseball, college and high school athletics. ImPACT follows a traditional, medically-based program involving clinics, hospitals, certified athletic trainers, doctors and other medical professionals trained in concussion evaluation and management.

SOURCE Dick?s Sporting Goods, Inc.

Copyright (C) 2012 PR Newswire. All rights reserved

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Add to portfolio

DKS

Dick's Sporting Goods Inc.

US

: U.S.: NYSE

$
46.50

-1.03
-2.17%

Volume: 962,932
June 25, 2012 3:59p

P/E Ratio20.82
Dividend Yield1.08%

Market Cap$5.61 billion
Rev. per Employee$517,275

/quotes/zigman/310940/quotes/nls/dks

Add to portfolio

DKS

Dick's Sporting Goods Inc.

US

: U.S.: NYSE

$
46.50

-1.03
-2.17%

Volume: 962,932
June 25, 2012 3:59p

P/E Ratio20.82
Dividend Yield1.08%

Market Cap$5.61 billion
Rev. per Employee$517,275

Financial Glossary

Words used in this article:

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NBA season ends - debates surrounding Kings continue

The underlying stories throughout the NBA Finals this year ?
Seattle v. Oklahoma City, Cleveland v. Miami, Lebron winning his first title,
Kevin Durant coming of age and learning a valuable lesson ? are all behind us
now, but there are plenty of debates still to be had.
The Finals is always a harsh reality for other franchises in the league. Some teams are closer than others to reaching that elite status and no other franchise (with maybe the exception of the Charlotte Bobcats) knows that more than the Sacramento Kings. With the No. 5 pick in the NBA Draft on Thursday, the Kings will have yet another opportunity to add to the rebuilding effort. Many in the fan base hope Michael Kidd-Gilchrist, the well-rounded small forward out of Kentucky, is available. To see other college prospects who are possibilities at No. 5, check out my previous post.??

No matter who is available at No. 5, however, the buck stops with the Maloofs. They need to put a genuine financial effort into this rebuild, and that goes beyond the draft.?

It?s not hard to question the happenings in Sacramento over the last six-seven years. As owners, the Maloofs have repeatedly said they are going to spend to get better. They also have said they needed a new arena because Power Balance Pavilion is outdated. But what the brothers Maloof say and what they actually do don?t always match up. ?

The NBA Finals are a picture perfect image of the haves and have-nots in this league, both on and off the floor. The Heat?s gym looks like a space ship that could take off at any moment or turn into a high-powered ship and speed off into the ocean waters it sits next to. In Sacramento, we have a dilapidated warehouse in the middle of a flood zone.?

Chesapeake Energy Arena in Oklahoma City isn?t as visually appealing as AmericanAirlines Arena, but it is put together nicely and is nestled into a downtown area that the city's political leaders have done an admirable job revitalizing.

Anyway, let?s get back to the basketball side of things. Petrie has been on the hot seat for some time now. And let face it, Mikki Moore signings will do that to a fellow. But let?s not kid ourselves; most of Petrie?s mishaps are a direct result of the Maloofs not opening the checkbook. With the lowest payroll in the league, it doesn?t exactly make it easy on Petrie to go out and land big free agents or make trades. That?s not to say Petrie should be completely let off the hook, because there also is the Chuck Hayes signing and drafting Quincy Douby. ?Petrie's contract was extended in 2009 through next season, so he also has some pressure on his shoulders whether he likes to admit it or not (and he will never admit that). We are entering a new era in the NBA. The Lakers, Spurs, Suns, Celtics and Mavs all look like they are headed for rebuild mode. The Grizzlies, Clippers and Timberwolves are on the rise. Will the Kings even be in the discussion? Does the same group that put together the Webber/Divac team have it in them to do it again? Do Kings fans even believe they can do it again? With the franchise clearly leaning toward making DeMarcus Cousins the centerpiece, the Kings are going to have to continue to take a few steps back as they move away from having Tyreke Evans dominate the ball. They began that transition at the end of last season, and rumblings of an Evans trade have continued to surface. Cousins is a tremendous talent and has the potential to be one of the best big men, if not the best, in the league. But while he seemed to control his emotions a little bit better last season, one has to wonder if emotionally he is the right guy to lead by example. He can play the role of the most talented player on the roster. But is he the hardest-working guy on the team that shows up and early, stays late and can provide steady guidance to his teammates? That has yet to be seen.

For different reasons, Evans doesn?t have that type of personality either. This of course is where Isaiah Thomas has come in like a breath of fresh air. The headstrong rookie played the vocal leader of the squad in the second half of last season and Cousins embraced it. Marcus Thornton has a work ethic that is admirable as well.

These are the moving pieces that Petrie is tasked with adding to on Thursday. Or he could make a trade for a veteran who is already established in the league and can make an immediate impact.

The debate of whether Lebron James will win a championship is over. In Sacramento, the debate is what have the Maloofs learned and what will they do to set things right both off the floor and on the floor? The question must be answered with actions rather than words. ?

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Couple Uses Prometheus Camera to Film First Hi-Def, 3-D Wedding Video

Just a friendly wedding-planning advisory: a recent pair of newlyweds has ensured that your upcoming nuptials will not be the most magnificent of all time, technology-wise at least. During an outdoor ceremony at the Mirador Estate, in Montecito, California, a tech-savvy couple exchanged vows in front of RED Epic cameras on 5K resolution, the same type of cameras used by Ridley Scott in Prometheus and Peter Jackson in The Hobbit. According to Gizmodo, Julia and Stuart boldly opted out of having the event photographed, since ?each frame can also be extracted as a high resolution 3D still image.? A teaser trailer (!) for said 3-D wedding video is available above.

It is unclear what Julia and Stuart do for their day jobs, what inspired them to take this innovative route, and why they would want to torture friends and family with a third dimension to their wedding playback. In 2010, Sydney-based cinematographer Abraham Joffe made history by filming what is believed to be the first professionally executed, multi-camera 3-D wedding video for Australian newlyweds Narelle and Ian Haines.

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Dino Dealer Says He's Not a 'Smuggler,' Calls Fossil 'Political Trophy'

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Swing State Demographics that Might Sway 2012 Election Outcome

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Expert: Poor plan led to Calif cop-on-cop shooting

LOS ANGELES (AP) ? Knowing that one of their officers was having sex with a 17-year-old Explorer, police in the central coast city of Santa Maria hatched a plan to immediately arrest him after he indicated he would rather kill himself than go to jail.

Use-of-force experts are split on whether that decision was the right call. The result was fatal shooting of the officer by a colleague while on duty at a DUI checkpoint.

Although local prosecutors deemed the shooting legally justified this week, it is the subject of a pair of independent investigations that will examine the department's response.

"In order to minimize the potential of serious injury or death, this is the worst plan they could have come up with by confronting him at the scene with the information they had," said William Flynn, a retired lieutenant with the West Covina Police Department. "This simply didn't have to happen," said Flynn, who reviewed an 18-page report about the shooting.

Officer Matt Kline, a five-year veteran, killed Officer Alberto Covarrubias early Jan. 28 as two sergeants tried to wrestle a loaded handgun from him. Covarrubias fired a round before being shot.

Kline was not only a friend of Covarrubias, he had been best man at his wedding weeks earlier.

The shooting rocked Santa Maria, a city of 100,000 in an agricultural region about 150 miles northwest of Los Angeles.

Covarrubias, part of a 112-officer force, was under investigation for having sex with a teenage girl who was part of the police Explorer program. Police used a ruse by having the girl call Covarrubias and tell him she might be pregnant with his child. Covarrubias asked the girl to deny they had sex and said he would kill himself before facing the prospect of going to jail.

"Based on the information at hand, it was decided it was necessary to act immediately and arrest the officer," the Santa Barbara County district attorney's office said in the report.

One factor made the situation even more tenuous: Covarrubias was aware police were investigating an undisclosed incident involving an Explorer and suspected the probe was focused on him and the teenage girl.

"If I get caught I'm done," Covarrubias texted the girl the night before the shooting, according to the report. He added, "Let's not worry."

Flynn said instead of formulating a plan to isolate Covarrubias, Santa Maria police tried to arrest him on duty at the DUI checkpoint where there were other armed officers unaware of what was going on. Flynn said police had various options at their disposal, including waiting until Covarrubias had returned to the station.

"In this situation they needed to deescalate it, but in my opinion they did nothing but escalate it," he said. "They are lucky no other officers were injured."

Gregory D. Lee, a criminal justice consultant and retired supervisory special agent for the Drug Enforcement Administration, said because Covarrubias saw his life crumbling, police had to make the arrest sooner than later.

"They thought it was time-critical," Lee said. "You don't know how people are going to react to certain situations. I think they used their best judgment at the time."

City Manager Rick Haydon said there are two parallel independent investigations that will look at how police handled the incident. One is being handled by two retired law enforcement officers as part of an internal affairs investigation. The other will be conducted by the Office of Independent Review, a Los Angeles County law enforcement watchdog agency.

Haydon declined to comment further about the prosecutor's report on the shooting, only to say it was comprehensive and "very detailed."

Kline remains on paid administrative leave.

Covarrubias's family has filed a claim, a precursor to a lawsuit, against the city of Santa Maria. The family's attorney, Gil Alvandi, said his office is conducting its own investigation and he disagrees that the fatal shooting was justified.

"We feel that the investigation was conducted with a predetermined outcome clearing the city and its officials of any wrongdoing," Alvandi said. "The attempt to protect officials at the highest levels of the police department is blatant and unacceptable."

Alvandi pointed out there were roughly a dozen instances where police brass showed concern with the plan to arrest Covarrubias but it went ahead anyway in a "reckless and haphazard manner."

One of the sergeants who tried to get the gun away from Covarrubias, who happened to be his cousin, questioned before the shooting why they had to make the arrest that night. A lieutenant responded that Covarrubias may be suicidal and wasn't going to be taken alive, according to the report.

"This is about the worst case scenario you can come up with," Lee said. "It's 'Peyton Place.' It's a mess."

Associated Press

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