American Family Home Insurance Knowledge Base

Has anyone used American Family Insurance for their home insurance and how are they? I am in the process of buying a home and need to get home insurance and I came across the cheapest I have found so I need to know if anyone knows how their standards of practice are. Please let me know as soon as possible so that I can either stop or keep looking.
People who have had or have American Family Insurance? I've been with American Family Insurance for well...14 years. I have all my insurance through them Auto,Life,Home -Anyways- I was recently told that I am paying to much by many people. I am going to check out other companys and get some Quotes. My question to you is... have you regretted switching from them? and Why? What should I watch out for? I have been happy with them But, I dont want to be paying more than I have to. Thanks.
What does the average American family pay in insurance annually? All around. Lets say mom, dad, and two and half kids, at least one kid driving. Let's also say they're home owners and all with health and life insurance.
Can politicians balance mid class family budget? I am curious. If we set Bush, Obama and McCain down (without advisors) with a gross annual income of $60,000 for an average family with two children, would they be able to pay all the bills? They would have to include mortgage (or rent), utilities, food, healthcare taken out of the paychecks, parents' college loans, children's college savings, car loans, car and home insurance and parents' retirement funds. I am asking because I really don't think that these millionaires have the slightest idea of what it takes an average american family to survive. If they did, they would help us.
Insurance or a Mortgage??? Recently I have been given an oppertunity become an Insurance agent for American Family Insurance...The pay seems pretty decent, and the position would be around our family (my wife and I's that is). I just don't know what would be better, because I live a few states away from my family now as a mortgage broker. Things have slowed down due to the holidays and interest rates increasing. There is definately a higher potential in mortgage as an income, like anywhere from 5k a month to 35k a month. Its just potential though, you don't always make that much. Especially nowadays things keep getting slower and slower. I just don't know what its like being an insurance agent, like I said the job is back home around our family so I know just about everyone back there (which is I'm sure a good thing for networking purposes). what do you think?
Which major insurance carrier would you recommend for home & auto? Specifically, which major carrier (Geico, State Farm, American Family, etc.) do you feel has the best rates for quality coverage and good customer service. This would be for two autos and new home coverage. I live in the Midwest, so answers from those in this part of the US are preferred. Any supporting info you can provide would be greatly appreciated. Thanks!
If the American dollar plummets far enough will illegal aliens head home ? Would they be leaving this country in financial disarray? When you read about the amounts of money being sent out of the United States and lost to our economy you must realize that the money you are reading about is money that is not being earned by Americans or by lawful immigrants. This is because the Americans and those aliens who are lawfully entitled to work in the United States have been displaced by illegal aliens who are willing to work for substandard wages.Presidential elections are eager to provide amnesty and thus more incentives for still more illegal aliens to run our nation's borders and drain still more money out of our economy. They will do this through remittances and other means of sending money back home. They will do this when they show up in the emergency rooms of hospitals across our nation demanding medical treatment without medical insurance. The criminal element of this massive influx of illegal aliens will injure and kill more victims in our country destroying lives and the lives of family members of the victims of those crimes. Some of the crimes will also result in property losses and in fraud (identity theft is the fastest growing white collar crime in America today and is often motivated by organized rings that sell these stolen identities to illegal aliens seeking illegal employment. Interestingly with all of the interviews that were conducted in the Yahoo article, not a single interview was conducted with an American family to find out what the impact of the decline of the dollar has had on the average American family. Also worth noting that in their article about illegal aliens their immigration status is never even raised and the term alien is never used. http://news.yahoo.com/s/csm/20080129/ts_csm/aremittance
Any advice on this letter as an initial contact letter? Please critique if you would as I would love the advice...I will be startin as an agent soon: August 1, 2005 Dear Mr./Ms. ________________ I recently retired from Honda after 25 years in the business. I wanted to thank you for your support over the years. I appreciate those of you who referred others to come and see me. Because of that, I had a very successful career. I will now be assisting my son-in-law, (name), to get his new business off the ground as an American Family Insurance Agent. After considering several insurance agencies, (name) felt that American Family was the company in which he would be most proud to represent. Working at (car dealer) for over 16 years as a sales manager, he has always shared the same work ethic as I have, which has always been to work hard and treat clients with the utmost respect. If you are in need of insurance (Life, Health, Auto, Home), please consider talking with (name). You may reach him at (phone number).
Family income? What percentage of your family income goes for (car, health, home, medical and life) insurance? Would you say yours is the average american family situation?
Can politicians balance a "normal" families budget? I am curious. If we set Bush, Obama and McCain down with a gross annual income of $60,000 for an average family with two children, would they be able to pay all the bills? They would have to include mortgage (or rent), utilities, food, healthcare taken out of the paychecks, parents' college loans, children's college savings, car loans, car and home insurance and parents' retirement funds. I am asking because I really don't think that these millionaires have the slightest idea of what it takes an average american family to survive. If they did, they would get CEO heads out of their butts and help us.
Mortgage loan HELP/advice!!!!? I need advice or your thoughts. My wife and I are going through the underwriting process for our mortgage right now. When the agent was getting the paperwork ready she wanted to us to have companies fax over 1 year of documented paperwork, and suggested Electricity bills and American family insurance bills. so that's done, we are still waiting to hear, but upon googling the underwriting process, I read that the person doing the underwriting may come back and first give us a "conditions to close" meaning requirements for further documentation to support your file. Then if that looks good then we would get a "CLEAR to Close". During the Conditions to close I am afraid of them asking for my bank statement, because I've had few overdrafts in the past two months. is this something I should be worried about?????? This whole home hunting/paperwork filling process has been so stressfull. Any thought would be greatly appreciated. Thanks
Is Obama the only candidate with a flaud Universal Heatcare idea? John McCain believes that insurance reforms should increase the variety and affordability of insurance coverage available to American families by fostering competition and innovation. * Reform the tax code to eliminate the bias toward employer-sponsored health insurance, and provide all individuals with a $2,500 tax credit ($5,000 for families) to increase incentives for insurance coverage. Individuals owning innovative multi-year policies that cost less than the full credit can deposit remainder in expanded health savings accounts. * Families should be able to purchase health insurance nationwide, across state lines, to maximize their choices, and heighten competition for their business that will eliminate excess overhead, administrative, and excessive compensation costs from the system. * Insurance should be innovative, moving from job to home, job to job, and providing multi-year coverage. * Require any state receiving Medicaid to develop a financial "risk adjustment" bonus to high-cost and low-income families to supplement tax credits and Medicaid funds. * Allow individuals to get insurance through any organization or association that they choose: employers, individual purchases, churches, professional association, and so forth. These policies will be available to small businesses and the self-employed, will be portable across all jobs, and will automatically bridge the time between retirement and Medicare eligibility. These plans would have to meet rigorous standards and certification. Hillary Clintons: * Affordable: Unlike the current health system where insurance premiums send people into bankruptcy, the plan provides tax credits for working families to help them cover their costs. The tax credits will ensure that working families never have to pay more than a limited percentage of their income for health care. * Available: No discrimination. The insurance companies can't deny you coverage if you have a pre-existing condition. * Reliable: It's portable. If you change or lose your job, you keep your health care. # Obama's Plan to Cover Uninsured Americans: Obama will make available a new national health plan to all Americans, including the self-employed and small businesses, to buy affordable health coverage that is similar to the plan available to members of Congress. The Obama plan will have the following features: 1. Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions. 2. Comprehensive benefits. The benefit package will be similar to that offered through Federal Employees Health Benefits Program (FEHBP), the plan members of Congress have. The plan will cover all essential medical services, including preventive, maternity and mental health care. 3. Affordable premiums, co-pays and deductibles. 4. Subsidies. Individuals and families who do not qualify for Medicaid or SCHIP but still need financial assistance will receive an income-related federal subsidy to buy into the new public plan or purchase a privat # ate health care plan. # Simplified paperwork and reined in health costs. # Easy enrollment. The new public plan will be simple to enroll in and provide ready access to coverage. # Portability and choice. Participants in the new public plan and the National Health Insurance Exchange (see below) will be able to move from job to job without changing or jeopardizing their health care coverage. # Quality and efficiency. Participating insurance companies in the new public program will be required to report data to ensure that standards for quality, health information technology and administration are being met. WHICH IDEA DO YOU PREFER??? Sorry "flawed' and it is still clear that most if not all of you did not read all three passages. China seems pretty happy.
Car Insurance Question? I had an accident a few months ago while in the process of moving to my new home. I got rear ended while pulling my own trailer that I built about five years ago. My role around garage toolbox was destroyed, my ban saw annihilated, and the back end of my trailer busted up. On top of that the impact ended up punching two holes into the bed of my truck each about 8 inches long. I had full coverage on the truck, and the kid that hit me has liability insurance. His insurance company only sent me a check for half of the worth of the saw and toolbox and did not compensate for the holes and trailer. They said they only owed half the value on the saw and toolbox because they where used and I couldn't prove their worth. What can I do to get the other half for the saw and toolbox, and what about the holes in the bed of my truck and my smashed trailer. The kid is insured with American Family out of Wisconsin.
Did you know Mexicans living abroad sent $11 billion home in the first half of 2006? Which is an increase of 23 percent over the same period last year, the government news agency Notimex reported Friday. Remittances have become an increasingly important source of income for the country in recent years, surpassing tourism. They represent Mexico's second-largest source of foreign income after oil. They topped $20 billion for the first time in 2005, a 17 percent increase from the previous year. Where is the unemployment insurance for Mexican workers? Instead of doing the hard work to benefit Mexican citizens, Fox is relying on America's natural sympathy for the underdog. He hopes that gullible American politicians will ignore the bottom 25 percent of families that have been hurt by low wages in the U.S., just as he has ignored them in Mexico. Remittances have become an increasingly important source of income for the country in recent years, surpassing tourism. They represent Mexico's second-largest source of foreign income after oil.They topped $20 billion for the first time in 2005, a 17 percent increase from the previous year.
Why do some conservatives say "my ancestors" and get emotional about voting republican? I have a 100% democrat voting record and my ancestors were here when there were only 13 states. I still live here in New Hampshire as all my ancestors have and do not see how voting republican would make me patriotic. With looming economic disaster, a pointless war for the rich and more Americans losing their homes; family members in Iraq and living without health insurance every day, I'd imagine the patriotic individual would be the one who wants his fellow Americans to have a fair piece of the pie. It seems like "America" to republicans is the top 2% income bracket who would gladly profit over anyone below them. ya_staff_sux: I know people that are most likely much more educated and hard working than you who would say otherwise. Me, for one. Suzyq - you should use a source alternative to Fox News. And no, I wrote that all myself. Amazing, isn't it?
Hillary vs. Rudy on health care, is Hillary crazy? Hillary vs. Rudy on health care, is Hillary crazy Today’s health-care debate previews the fall 2008 election, if today’s presidential frontrunners win their respective party nominations. Senator Hillary Clinton (D., N.Y.) and former mayor Rudolph W. Giuliani (R., N.Y.) are promoting reforms that contrast like midnight and high noon. As Clinton cheers, Congress moves to reauthorize the State Child Health Insurance Program. Launched modestly in 1997, SCHIP was targeted at kids whose families were too prosperous for Medicaid, but too poor for private coverage. Like nearly every federal scheme, SCHIP is metastasizing. Clinton, her Democratic comrades, and some weak-kneed Republican appeasers are widening SCHIP into a self-contradictory contraption, complete with a tax hike and a fiscal blunderbuss. “It is one of our most important national priorities to cover all Americans, and that should start now with all of our children,” Clinton said July 16. Of course, it depends on what the meaning of the word “children” is. Washington already lets 14 states cover 670,000 “boys” and “girls,” up to age 25, some of whom have been drinking legally for four years and voting for seven. Ninety-two percent of Minnesota’s SCHIP budget insures adults. Clinton’s proposal, like the House Democrats’ bill, would cover children in families up to 400 percent of the Federal Poverty Line (FPL), double today’s target. Thus, a family of four making $82,600 could receive federal-government medicine. Meanwhile — the Heritage Foundation’s Rea Hederman estimates — 70,000 “American families are both poor and high-income — simultaneously.” They qualify for SCHIP and the Alternative Minimum Tax. Madder still, 77 percent of children between double and triple FPL and 89 percent between 300 and 400 percent of FPL already have private health insurance, notes Cato Institute scholar Michael Cannon. Nonetheless, the Democratic House Wednesday night approved $47 billion for SCHIP through 2012, 88 percent above its current $25 billion, five-year budget. Senate Democrats would fund this extravaganza via a 156 percent cigarette-tax hike — from 39 cents to $1 per pack. Heritage forecasts that 22 million new smokers would have to light up by 2017 to keep SCHIP afloat. So, SCHIP promises to improve children’s health while exploiting adult tobacco addiction. And if those smokers never materialize, future Congresses simply will invoice smoke-free taxpayers. “The Left is pretty blatant about this being their vehicle to move to universal coverage,” one health-policy expert told me. “Make kids think you get health insurance from the government, and in less than a generation, you’re there.” While Democrats and some lily-livered Republicans ceaselessly invoke “the children” to impose government medicine, Giuliani does the reverse. His just-unveiled health plan rejects public entitlements and tax hikes and embraces private property and tax incentives to extend health coverage overall — beyond just kids. “America’s health-care system is being dragged down by decades of government-imposed mandates and wasteful, unaccountable bureaucracy,” Giuliani told New Hampshire voters Tuesday. “To reform, we must empower all Americans by increasing health-care choices and affordability, while bringing accountability to the system.” Giuliani specifically would grant uninsured families $15,000 tax exemptions, and singles $7,500, to help them buy private coverage that they, not their bosses, would own, control, and transport throughout their careers — much like car, home, and life insurance. Funds remaining after insurance purchases could be deposited tax-free into Health Savings Accounts for routine medical expenses. He also would let Americans acquire health plans across state lines, as they now do with non-medical insurance. For instance, unmarried New Yorkers, who now must buy such unneeded mandatory benefits as in-vitro fertilization, would be free to secure no-frills plans from insurers in, say, mandate-light Ohio. Giuliani also would curb malpractice costs by capping lawsuit damages and requiring frivolous plaintiffs to cover victorious doctors’ legal bills. “If a person gets injured, he should be compensated, but he shouldn’t get the brass ring or win the lottery,” Giuliani explained. Unlike President Bush, whose happy talk fuels Leftist disdain, Giuliani describes Democrats’ ideas with bracing candor. He calls their health proposals “heavily influenced by Marxism.” “We’ve got to solve our health-care problems with American principles, not the principles of socialism,” Giuliani says. “I know Democrats will say this is unfair, I know they’ll squeal…But I am a realist. I face reality, which is: If you take more people and have government cover them, it’s called socialized medicine.”
(US Citizens only) What is your opinion on the Illegal Immigrant problem? How do you plan to help solve it? Do you fully understand all the workings of the problem itself, how it affects health care, taxes, social security, car/home insurance, our school systems, our 'national security'(somewhat of a joke but important anyway) our neighborhoods and the labor industry, to name a few? Bush is bending over backwards to appease the immigrants and their families, because it means cheap labor for businesses and big bucks for him and his friends, at the cost of the American people's pocketbooks and education. They may cost us more than that in the long run, however. WHAT do you YOURSELF plan on doing to solve the problem? I'd like to hear your ideas on that, too. or are you guys to apathetic to help, thinking it's someone else's problem ? :) your answers have been great so far, I love to see you guys thinking hehe
If the World was so Safe before Bush took Office,How do you Explain this List??????? American Victims of Mideast Terrorist Attacks -------------------------------------------------------------------------------- The following is a listing of incidents in which Americans are known to have been killed by Middle East-based terrorists. The list will be updated as more information becomes available. The exact number of American casualties is difficult to calculate because of incomplete news reports regarding numbers and nationalities of those injured. The toll from the September 11, 2001, attack on the World Trade Center is also uncertain, but current figures place the number of dead above 3,000. The number of dead at the Pentagon and on the hijacked airliners numbered approximately 385. Since Yasser Arafat "renounced" violence in the Oslo Peace Accords on September 13, 1993, at least 53 Americans have been murdered and at least another 83 Americans have been injured by Palestinian terrorism. Excluding the September 11 attacks, approximately 700 Americans have been killed and 1,600 wounded in terrorist attacks since 1970. This list also includes injured Americans since Oslo 1993. -------------------------------------------------------------------------------- February 23, 1970, Halhoul, West Bank. Palestinian Liberation Organization terrorists open fire on a busload of pilgrims killing Barbara Ertle of Michigan and wounding two other Americans. March 28-29, 1970, Beirut, Lebanon. The Popular Front for the Liberation of Palestine (PFLP) fired seven rockets at the U.S. Embassy, the American Insurance Company, Bank of America and the John F. Kennedy library. September 14, 1970, En route to Amman, Jordan. The PFLP hijacked a TWA flight from Zurich, Switzerland and forced it to land in Amman. Four American citizens were injured. May 30, 1972, Ben Gurion Airport, Israel. Three members of the Japanese Red Army, acting on the PFLP's bbehalf, carried out a machine-gun and grenade attack at Israel's main airport, killing 26 and wounding 78 people. Many of the casualties were American citizens, mostly from Puerto Rico. September 5, 1972, Munich, Germany. During the Olympic Games in Munich, Black September, a front for Fatah, took hostage 11 members of the Israeli Olympic team. Nine athletes were killed including weightlifter David Berger, an American-Israeli from Cleveland, Ohio. March 2, 1973, Khartoum, Sudan. Cleo A. Noel, Jr., U.S. ambassador to Sudan, and George C. Moore, also a U.S. diplomat, were held hostage and then killed by terrorists at the U.S. Embassy in Khartoum. It seems likely that Fatah was responsible for the attack. September 8, 1974, Athens, Greece. TWA Flight 841, flying from Tel Aviv to New York, made a scheduled stop in Athens. Shortly after takeoff, it crashed into the Ionian Sea and all 88 passengers were killed, including 32-year-old Steven R. Lowe, husband Jeremiah Michel and wife, Kathrine Hadley Michel of Poughkeepsie, NY, Frederick and Margaret Hare of Bernardsville, NJ, Ralph H. Bosh of Madison, CT, Seldon and Etan Bard of Tuckahoe, NY, Dr. and Mrs. Frederick Stohlman of Newton, MA, Don H. Holiday of Mahwah, NJ, and Jon L. Chesire of Old Lyme, Ct; all of which were Almerican citizens. An investigation of the crash conclusively established that it was caused by explosives set in the rear cargo department of the plane. June 29, 1975, Beirut, Lebanon. The PFLP kidnapped the U.S. military attaché to Lebanon, Ernest Morgan, and demanded food, clothing and building materials for indigent residents living near Beirut harbor. The American diplomat was released after an anonymous benefactor provided food to the neighborhood. November 14, 1975, Jerusalem, Israel. Lola Nunberg, 53, of New York, was injured during a bombing attack in downtown Jerusalem. Fatah claimed responsibility for the bombing, which killed six people and wounded 38. November 21, 1975, Ramat Hamagshimim, Israel. Michael Nadler, an American-Israeli from Miami Beach, Florida, was killed when axe-wielding terrorists from the Democrat Front for the Liberation of Palestine, a PLO faction, attacked students in the Golan Heights. August 11, 1976, Istanbul, Turkey. The PFLP launched an attack on the terminal of Israel's major airline, El Al, at the Istanbul airport. Four civilians, including Harold Rosenthal of Philadelphia, Pennsylvania, were killed and 20 injured. January 1, 1977, Beirut, Lebanon. Frances E. Meloy, U.S. ambassador to Lebanon, and Robert O.Waring, the U.S. economic counselor, were kidnapped by PFLP members as they crossed a militia checkpoint separating the Christian from the Muslim parts of Beirut. They were later shot to death. March 11, 1978, Tel Aviv, Israel. Gail Rubin, niece of U.S. Senator Abraham Ribicoff, was among 38 people shot to death by PLO terrorists on an Israeli beach. June 2, 1978, Jerusalem, Israel. Richard Fishman, a medical student from Maryland, was among six killed in a PLO bus bombing in Jerusalem. Chava Sprecher, another American citizen from Seattle, Washington, was injured. May 4, 1979, Tiberias, Israel. Haim Mark and his wife, Haya, of New Haven, Connecticut were injured in a PLO bombing attack in northern Israel. November 4, 1979, Teheran, Iran. After President Carter agreed to admit the Shah of Iran into the U.S., Iranian radicals seized the U.S. Embassy in Tehran and took 66 American diplomats hostage. Thirteen hostages were soon freed, but the remaining 53 were held until their release on January 20, 1981. May 2, 1980, Hebron, West Bank. Eli Haze'ev, an American-Israeli from Alexandria, Virginia, was killed in a PLO attack on Jewish worshippers walking home from a synagogue in Hebron. July 19, 1982, Beirut, Lebanon. Hizballah members kidnapped David Dodge, acting president of the American University in Beirut. After a year in captivity, Dodge was released. Rifat Assad, head of Syrian Intelligence, helped in the negotiation with the terrorists. August 19, 1982, Paris, France. Two American citizens, Anne Van Zanten and Grace Cutler, were killed when the PLO bombed a Jewish restaurant in Paris. March 16, 1983, Beirut, Lebanon. Five American Marines were wounded in a hand grenade attack while on patrol north of Beirut International Airport. The Islamic Jihad and Al-Amal, a Shi'ite militia, claimed responsibility for the attack. April 18, 1983, Beirut, Lebanon. A truck-bomb detonated by a remote control exploded in front of the U.S. Embassy in Beirut, killing 63 employees, including the CIA's Middle East director, and wounding 120. Hizballah, with financial backing from Iran, was responsible for the attack. July 1, 1983, Hebron, Israel. Aharon Gross, 19, an American-Israeli from New York, was stabbed to death by PLO terrorists in the Hebron marketplace. September 29, 1983, Beirut, Lebanon. Two American marines were kidnapped by Amal members. They were released after intervention by a Lebanese army officer. October 23, 1983, Beirut, Lebanon. A truck loaded with a bomb crashed into the lobby of the U.S. Marines headquarters in Beirut, killing 241 soldiers and wounding 81. The attack was carried out by Hizballah with the help of Syrian intelligence and financed by Iran. December 19, 1983, Jerusalem, Israel. Serena Sussman, a 60-year-old tourist from Anderson, South Carolina, died from injuries from the PLO bombing of a bus in Jerusalem 13 days earlier. January 18, 1984, Beirut, Lebanon. Malcolm Kerr, a Lebanese born American who was president of the American University of Beirut, was killed by two gunmen outside his office. Hizballah said the assassination was part of the organization's plan to "drive all Americans out from Lebanon." March 7, 1984, Beirut, Lebanon. Hizballah members kidnapped Jeremy Levin, Beirut bureau chief of Cable News Network (CNN). Levin managed to escape and reach Syrian army barracks. He was later transferred to American hands. March 8, 1984, Beirut, Lebanon. Three Hizballah members kidnapped Reverend Benjamin T. Weir, while he was walking with his wife in Beirut's Manara neighborhood. Weir was released after 16 months of captivity with Syrian and Iranian assistance. March 16, 1984, Beirut, Lebanon. Hizballah kidnapped William Buckley, a political officer at the U.S. Embassy in Beirut. Buckley was supposed to be exchanged for prisoners. However when the transaction failed to take place, he was reportedly transported to Iran. Although his body was never found, the U.S. administration declared the American diplomat dead. April 12, 1984, Torrejon, Spain. Hizballah bombed a restaurant near an U.S. Air Force base in Torrejon, Spain, wounding 83 people. September 20, 1984, Beirut, Lebanon. A suicide bomb attack on the U.S. Embassy in East Beirut killed 23 people and injured 21. The American and British ambassadors were slightly injured in the attack, attributed to the Iranian backed Hizballah group. September 20, 1984, Aukar, Lebanon. Islamic Jihad detonate a van full of explosives 30 feet in front of the U.S. Embassy annex severely damaging the building, killing two U.S. servicemen and seven Lebanese employees, as well as 5 to 15 non-employees. Twenty Americans were injured, including U.S. Ambassador Reginald Bartholomew and visiting British Ambassador David Miers. An estimated 40 to 50 Lebanese were hurt. The attack came in response to the U.S. veto September 6 of a U.N. Security Council resolution. December 4, 1984, Tehran, Iran. Hizballah terrorists hijacked a Kuwait Airlines plane en route from Dubai, United Emirates, to Karachi, Pakistan. They demanded the release from Kuwaiti jails of members of Da'Wa, a group of Shiite extremists serving sentences for attacks on French and American targets on Kuwaiti territory. The terrorists forced the pilot to fly to Tehran where the terrorists murdered two passengers--American Agency for International Development employees, Charles Hegna and William Stanford. Although an Iranian special unit ended the incident by storming the plane and arresting the terrorists, the Iranian government might also have been involved in the hijacking. June 14, 1985, Between Athens and Rome. Two Hizballah members hijacked a TWA flight en route to Rome from Athens and forced the pilot to fly to Beirut. The terrorists, believed to belong to Hizballah, asked for the release of members of the group Kuwait 17 and 700 Shi'ite prisoners held in Israeli and South Lebanese prisons. The eight crewmembers and 145 passengers were held for 17 days during which one of the hostages, Robert Stethem, a U.S. Navy diver, was murdered. After being flown twice to Algiers, the aircraft returned to Beirut and the hostages were released. Later on, four Hizballah members were secretly indicted. One of them, the Hizballah senior officer Imad Mughniyah, was indicted in absentia. October 7, 1985, Between Alexandria, Egypt and Haifa, Israel. A four-member PFLP squad took over the Italian cruise ship Achille Lauro, as it was sailing from Alexandria, Egypt, to Israel. The squad murdered a disabled U.S. citizen, Leon Klinghoffer, by throwing him in the ocean. The rest of the passengers were held hostage for two days and later released after the terrorists turned themselves in to Egyptian authorities in return for safe passage. But U.S. Navy fighters intercepted the Egyptian aircraft flying the terrorists to Tunis and forced it to land at the NATO airbase in Italy, where the terrorists were arrested. Two of the terrorists were tried in Italy and sentenced to prison. The Italian authorities however let the two others escape on diplomatic passports. Abu Abbas, who masterminded the hijacking, was later convicted to life imprisonment in absentia. December 27, 1985, Rome, Italy. Four terrorists from Abu Nidal's organization attacked El Al offices at the Leonardo di Vinci Airport in Rome. Thirteen people, including five Americans, were killed and 74 wounded, among them two Americans. The terrorists had come from Damascus and were supported by the Syrian regime. March 30, 1986, Athens, Greece. A bomb exploded on a TWA flight from Rome as it approached Athens airport. The attack killed four U.S. citizens who were sucked through a hole made by the blast, although the plane safely landed. The bombing was attributed to the Fatah Special Operations Group's intelligence and security apparatus, headed by Abdullah Abd al-Hamid Labib, alias Colonel Hawari. April 5, 1986, West Berlin, Germany. An explosion at the "La Belle" nightclub in Berlin, frequented by American soldiers, killed three--2 U.S. soldiers and a Turkish woman-and wounded 191 including 41 U.S. soldiers. Given evidence of Libyan involvement, the U.S. Air Force made a retaliatory attack against Libyan targets on April 17. Libya refused to hand over to Germany five suspects believed to be there. Others, however, were tried including Yassir Shraidi and Musbah Eter, arrested in Rome in August 1997 and extradited; and also Ali Chanaa, his wife, Verena Chanaa, and her sister, Andrea Haeusler. Shraidi, accused of masterminding the attack, was sentenced to 14 years in jail. The Libyan diplomat Musbah Eter and Ali Chanaa were both sentenced to 12 years in jail. Verena Chanaa was sentenced to 14 years in prison. Andrea Haeusler was acquitted. September 5, 1986, Karachi, Pakistan. Abu Nidal members hijacked a Pan Am flight leaving Karachi, Pakistan bound for Frankfurt, Germany and New York with 379 passengers, including 89 Americans. The terrorists forced the plane to land in Larnaca, Cyprus, where they demanded the release of two Palestinians and a Briton jailed for the murder of three Israelis there in 1985. The terrorists killed 22 of the passengers, including two American citizens and wounded many others. They were caught and indicted by a Washington grand jury in 1991. September 9, 1986, Beirut, Lebanon. Continuing its anti-American attacks, Hizballah kidnapped Frank Reed, director of the American University in Beirut, whom they accused of being "a CIA agent." He was released 44 months later. September 12, 1986, Beirut, Lebanon. Hizballah kidnapped Joseph Cicippio, the acting comptroller at the American University in Beirut. Cicippio was released five years later on December 1991. October 15, 1986, Jerusalem, Israel. Gali Klein, an American citizen, was killed in a grenade attack by Fatah at the Western Wall in Jerusalem. October 21, 1986, Beirut, Lebanon. Hizballah kidnapped Edward A. Tracy, an American citizen in Beirut. He was released five years later, on August 1991. February 17, 1988, Ras-Al-Ein Tyre, Lebanon. Col. William Higgins, the American chief of the United Nations Truce Supervisory Organization, was abducted by Hizballah while driving from Tyre to Nakura. The hostages demanded the withdrawal of Israeli forces from Lebanon and the release of all Palestinian and Lebanese held prisoners in Israel. The U.S. government refused to answer the request. Hizballah later claimed they killed Higgins. December 21, 1988, Lockerbie, Scotland. Pan Am Flight 103 departing from Frankfurt to New York was blown up in midair, killing all 259 passengers and another 11 people on the ground in Scotland. Two Libyan agents were found responsible for planting a sophisticated suitcase bomb onboard the plane. On 14 November 1991, arrest warrants were issued for Al-Amin Khalifa Fahima and Abdel Baset Ali Mohamed al-Megrahi. After Libya refused to extradite the suspects to stand trial, the United Nations leveled sanctions against the country in April 1992, including the freezing of Libyan assets abroad. In 1999, Libyan leader Muammar Gadhafi agreed to hand over the two suspects, but only if their trial was held in a neutral country and presided over by a Scottish judge. With the help of Saudi Arabia's King Fahd and Crown Prince Abdullah, Al-Megrahi and Fahima were finally extradited and tried in Camp Zeist in the Netherlands. Megrahi was found guilty and jailed for life, while Fahima was acquitted due to a "lack of evidence" of his involvement. After the extradition, UN sanctions against Libya were automatically lifted. January 27, 1989, Istanbul and Ankara, Turkey. Three simultaneous bombings were carried out against U.S. business targets--the Turkish American Businessmen Association and the Economic Development Foundation in Istanbul, and the Metal Employees Union in Ankara. The Dev Sol (Revolutionary Left) was held responsible for the attacks. March 6, 1989, Cairo, Egypt. Two explosive devices were safely removed from the grounds of the American and British Cultural centers in Cairo. Three organizations were believed to be responsible for the attack: The January 15 organization, which had sent a letter bomb to the Israeli ambassador to London in January; the Egyptian Revolutionary Organization that from out 1984-1986 carried out attacks against U.S. and Israeli targets; and the Nasserite Organization, which had attacked British and American targets in 1988. June 12, 1989, Bosphorus Straits, Turkey. A bomb exploded aboard an unoccupied boat used by U.S. consular staff. The explosion caused extensive damage but no casualties. An organization previously unknown, the Warriors of the June 16th Movement, claimed responsibility for the attack. October 11, 1989, Izmir, Turkey. An explosive charge went off outside a U.S. military PX. Dev Sol was held responsible for the attack. February 7, 1991, Incirlik Air Base, Turkey. Dev Sol members shot and killed a U.S. civilian contractor as he was getting into his car at the Incirlik Air Base in Adana, Turkey. February 28, 1991, Izmir, Turkey. Two Dev Sol gunmen shot and wounded a U.S. Air Force officer as he entered his residence in Izmir. March 28, 1991, Jubial, Saudi Arabia. Three U.S. marines were shot at and injured by an unknown terrorist while driving near Camp Three, Jubial. No organization claimed responsibility for the attack. October 28, 1991, Ankara, Turkey. Victor Marwick, an American soldier serving at the Turkish-American base, Tuslog, was killed and his wife wounded in a car bomb attack. The Turkish Islamic Jihad claimed responsibility for the attack. October 28, 1991, Istanbul, Turkey. Two car bombings killed a U.S. Air Force sergeant and severely wounded an Egyptian diplomat in Istanbul. Turkish Islamic Jihad claimed responsibility. November 8, 1991, Beirut, Lebanon. A 100-kg car bomb destroyed the administration building of the American University in Beirut, killing one person and wounding at least a dozen. October 12, 1992, Umm Qasr, Iraq. A U.S. soldier serving with the United Nations was stabbed and wounded near the port of Umm Qasr. No organization claimed responsibility for the attack. January 25, 1993, Virginia, United States. A Pakistani gunman opened fire on Central Intelligence Agency (CIA) employees standing outside of the building. Two agents, Frank Darling and Bennett Lansing, were killed and three others wounded. The assailant was never caught and reportedly fled to Pakistan. February 26, 1993, Cairo, Egypt. A bomb exploded inside a café in downtown Cairo killing three. Among the 18 wounded were two U.S. citizens. No one claimed responsibility for the attack. February 26, 1993, New York, United States. A massive van bomb exploded in an underground parking garage below the World Trade Center in New York City, killing six and wounding 1,042. Four Islamist activists were responsible for the attack. Ramzi Ahmed Yousef, the operation's alleged mastermind, escaped but was later arrested in Pakistan and extradited to the United States. Abd al-Hakim Murad, another suspected conspirator, was arrested by local authorities in the Philippines and handed over to the United States. The two, along with two other terrorists, were tried in the U.S. and sentenced to 240 years. April 14, 1993, Kuwait. The Iraqi intelligence service attempted to assassinate former U.S. President George Bush during a visit to Kuwait. In retaliation, the U.S. launched a cruise missile attack two months later on the Iraqi capital, Baghdad. July 5, 1993, Southeast Turkey. In eight separate incidents, the Kurdistan Workers' Party (PKK) kidnapped a total of 19 Western tourists traveling in southeastern Turkey. The hostages, including U.S. citizen Colin Patrick Starger, were released unharmed after spending several weeks in captivity. December 1, 1993, north of Jerusalem, West Bank. Yitzhak Weinstock, 19, whose family came from Los Angeles, CA, was killed in a drive-by shooting. Hamas took responsibility for the attack Sometime in 1994: near Atzmona, Gaza. U.S. citizen Mrs. Sheila Deutsch of Brooklyn, NY injured in a shooting attack. October 9, 1994. Nachshon Wachsman, 19, whose family came from New York, was kidnapped and then murdered by Hamas. October 9, 1994: Jerusalem, Israel. Shooting attack on cafe-goers in Jerusalem. U.S. citizens Scot Doberstein and Eric Goldberg were injured. March 8, 1995, Karachi, Pakistan. Two unidentified gunmen armed with AK-47 assault rifles opened fire on a U.S. Consulate van in Karachi, killing two U.S. diplomats, Jacqueline Keys Van Landingham and Gary C. Durell, and wounding a third, Mark McCloy. April 9, 1995, Kfar Darom and Netzarim, Gaza Strip. Two suicide attacks were carried out within a few hours of each other in Jewish settlements in the Gaza Strip. In the first attack a suicide bomber crashed an explosive-rigged van into an Israeli bus in Netzarim, killing eight including U.S. citizen Alisa Flatow, 20, of West Orange, NJ. More than 30 others were injured. In the second attack, a suicide bomber detonated a car bomb in the midst of a convoy of cars in Kfar Darom, injuring 12. The Palestine Islamic Jihad (PIJ) Shaqaqi Faction claimed responsibility for the attacks. U.S. citizens Chava Levine and Seth Klein were injured. June 15, 1995: Jerusalem, Israel. U.S. citizen Howard Tavens of Cleveland, OH was injured in a stabbing attack. July 4, 1995, Kashmir, India. In Kashmir, a previously unknown militant group, Al-Faran, with suspected links to a Kashmiri separatist group in Pakistan, took hostage six tourists, including two U.S. citizens. They demanded the release of Muslim militants held in Indian prisons. One of the U.S. citizens escaped on July 8, while on August 13 the decapitated body of the Norwegian hostage was found along with a note stating that the other hostages also would be killed if the group's demands were not met. The Indian Government refused. Both Indian and American authorities believe the rest of the hostages were most likely killed in 1996 by their jailers. August 1995, Istanbul, Turkey. A bombing of Istanbul's popular Taksim Square injured two U.S. citizens. This attack was part of a three-year-old attempt by the PKK to drive foreign tourists away from Turkey by striking at tourist sites. August 21, 1995, Jerusalem, Israel. A bus bombing in Jerusalem by the Islamic Resistance Movement (Hamas) killed four, including American Joan Davenny of New Haven, CT, and wounded more than 100. U.S. citizens injured: Chanoch Bleier, Judith Shulewitz, Bernard Batta. September 9, 1995. Ma'ale Michmash. American killed: Unborn child of Mrs. Mara Frey of Chicago. Mara Frey was injured. November 9, 1995, Algiers, Algeria. Islamic extremists set fire to a warehouse belonging to the U.S. Embassy, threatened the Algerian security guard because he was working for the United States, and demanded to know whether any U.S. citizens were present. The Armed Islamic Group (GIA) probably carried out the attacks. The group had threatened to strike other foreign targets and especially U.S. objectives in Algeria, and the attack's style was similar to past GIA operations against foreign facilities. November 13, 1995, Riyadh, Saudi Arabia. A car bomb exploded in the parking lot outside of the Riyadh headquarters of the Office of the Program Manager/Saudi Arabian National Guard, killing seven persons, five of them U.S. citizens, and wounding 42. The blast severely damaged the three-story building, which houses a U.S. military advisory group, and several neighboring office buildings. Three groups -- the Islamic Movement for Change, the Tigers of the Gulf, and the Combatant Partisans of God -- claimed responsibility for the attack. February 25, 1996, Jerusalem, Israel. A suicide bomber blew up a commuter bus in Jerusalem, killing 26, including three U.S. citizens, and injuring 80 others, among them three other U.S. citizens. Hamas claimed responsibility for the bombing. U. S. citizens killed: Sara Duker, of Teaneck, NJ, Matthew Eisenfeld of West Hartford, CT, Ira Weinstein of Bronx, NY. U.S. citizens injured: Beatrice Kramer, Steven Lapides, and Leah Stein Mousa. March 4, 1996, Tel Aviv, Israel. A suicide bomber detonated an explosive device outside the Dizengoff Center, Tel Aviv's largest shopping mall, killing 20 persons and injuring 75 others, including two U.S. citizens. Both Hamas and the Islamic Jihad claimed responsibility for the bombing. U.S. citizens injured included Julie K. Negrin of Seattle, WA. May 13, 1996, Beit-El, West Bank. Arab gunmen opened fire on a hitchhiking stand near Beit El, wounding three Israelis and killing David Boim, 17, an American-Israeli from New York. No one claimed responsibility for the attack, although either the Islamic Jihad or Hamas are suspected. U.S. citizens injured: Moshe Greenbaum, 17. June 9, 1996, outside Zekharya. Yaron Ungar, an American-Israeli, and his Israeli wife were killed in a drive-by shooting near their West Bank home. The PFLP is suspected. June 25, 1996, Dhahran, Saudi Arabia. A fuel truck carrying a bomb exploded outside the U.S. military's Khobar Towers housing facility in Dhahran, killing 19 U.S. military personnel and wounding 515 persons, including 240 U.S. personnel. Several groups claimed responsibility for the attack. In June 2001, a U.S. District Court in Alexandria, Virginia, identified Saudi Hizballah as the party responsible for the attack. The court indicated that the members of the organization, banned from Saudi Arabia, "frequently met and were trained in Lebanon, Syria, or Iran" with Libyan help. August 17, 1996, Mapourdit, Sudan. Sudan People's Liberation Army (SPLA) rebels kidnapped six missionaries in Mapourdit, including a U.S citizen. The SPLA released the hostages on August 28. November 1, 1996, Sudan. A breakaway group of the Sudanese People's Liberation Army (SPLA) kidnapped three workers of the International Committee of the Red Cross (ICRC), including one U.S citizen. The rebels released the hostages on December 9 in exchange for ICRC supplies and a health survey of their camp. December 3, 1996, Paris, France. A bomb exploded aboard a Paris subway train, killing four and injuring 86 persons, including a U.S. citizen. No one claimed responsibility for the attack, but Algerian extremists are suspected. January 2, 1997, Major cities worldwide, United States. A series of letter bombs with Alexandria, Egypt postmarks were discovered at Al-Hayat newspaper bureaus in Washington, DC, New York, London, and Riyadh. Three similar devices, also postmarked in Egypt, were found at a prison facility in Leavenworth, Kansas. Bomb disposal experts defused all the devices, but one detonated at the Al-Hayat newspaper office in London, injuring two security guards and causing minor damage. February 23, 1997, New York, United States. A Palestinian gunman opened fire on tourists at an observation deck atop the Empire State building in New York, killing a Danish national and wounding visitors from the United States, Argentina, Switzerland and France before turning the gun on himself. A handwritten note carried by the gunman claimed this was a punishment attack against the "enemies of Palestine." July 30, 1997, Jerusalem, Israel. Two bombs detonated in Jerusalem's Mahane Yehuda market, killing 15 persons, including a U.S. citizen and wounding 168 others, among them two U.S. citizens. The Izz-el-Din al-Qassam Brigades, Hamas' military wing, claimed responsibility for the attack. U.S. citizens killed: Mrs. Leah Stern of Passaic, NJ. U.S. citizens injured: Dov Dalin. September 4, 1997: Jerusalem, Israel. Bombing on Ben-Yehuda Street, Jerusalem. U.S. citizens killed: Yael Botwin, 14, of Los Angeles and Jerusalem. U.S. citizens injured: Diana Campuzano of New York, Abraham Mendelson of Los Angeles, CA, Greg Salzman of New Jersey, Stuart E. Hersh of Kiryat Arba, Israel, Michael Alzer, Abraham Elias, David Keinan, Daniel Miller of Boca Raton, FL, Noam Rozenman of Jerusalem, Jenny (Yocheved) Rubin of Los Angeles, CA. Hamas claimed responsibility for the attack. October 30, 1997, Sanaa, Yemen. Al-Sha'if tribesmen kidnapped a U.S. businessman near Sanaa. The tribesmen sought the release of two fellow tribesmen who were arrested on smuggling charges and several public works projects they claim the government promised them. The hostage was released on November 27. November 12, 1997, Karachi, Pakistan. Two unidentified gunmen shot to death four U.S. auditors from Union Texas Petroleum and their Pakistani driver as they drove away from the Sheraton Hotel in Karachi. Two groups claimed responsibility -- the Islamic Inqilabi Council, or Islamic Revolutionary Council and the Aimal Secret Committee, also known as the Aimal Khufia Action Committee. November 25, 1997, Aden, Yemen. Yemenite tribesmen kidnapped a U.S citizen, two Italians, and two unspecified Westerners near Aden to protest the eviction of a tribe member from his home. The kidnappers released the five hostages on November 27. February 6, 1998, Jerusalem, Israel. Stabbing in Jerusalem. U.S. Citizen Yosef Lepon, 17 injured. April 19, 1998, Maon, Israel. Dov Driben, a 28-year-old American-Israeli farmer was killed by terrorists near the West Bank town of Maon. One of his assailants, Issa Debavseh, a member of Fatah Tanzim, was killed on November 7, 2001, by the IDF after being on their wanted list for the murder. June 21, 1998, Beirut, Lebanon. Two hand-grenades were thrown at the U.S. Embassy in Beirut. No casualties were reported. June 21, 1998, Beirut, Lebanon. Three rocket-propelled grenades attached to a crude detonator exploded near the U.S. Embassy compound in Beirut, causing no casualties and little damage. August 7, 1998, Nairobi, Kenya. A car bomb exploded at the rear entrance of the U.S. Embassy in Nairobi. The attack killed a total of 292, including 12 U.S. citizens, and injured over 5,000, among them six Americans. The perpetrators belonged to al-Qaida, Usama bin Ladin's network. August 7, 1998, Dar es Sala'am, Tanzania. A car bomb exploded outside the U.S. Embassy in Dar es Sala'am, killing 11 and injuring 86. Osama bin Laden's organization al-Qaida claimed responsibility for the attack. Two suspects were arrested. November 21, 1998, Teheran, Iran. Members of Fedayeen Islam, shouting anti-American slogans and wielding stones and iron rods, attacked a group of American tourists in Tehran. Some of the tourists suffered minor injuries from flying glass. December 28, 1998, Mawdiyah, Yemen. Sixteen tourists--12 Britons, two Americans and two Australians--were taken hostage in the largest kidnapping in Yemen's recent history. The tourists were seized in the Abyan province (some 175 miles south of Sanaa the capital). One Briton and a Yemeni guide escaped, while the rest were taken to city of Mawdiyah. Four hostages were killed when troops closed in and two were wounded, including an American woman. The kidnappers, members of the Islamic Army of Aden-Abyan, an offshoot of Al-Jihad, had demanded the release from jail of their leader, Saleh Haidara al-Atwi. October 31, 1999, Nantucket, Massachusetts, United States. EgyptAir Flight 990 crashed off the U.S. coast killing all 217 people on board, including 100 Americans. Although it is not precisely clear what happened, evidence indicated that an Egyptian pilot crashed the plane for personal or political reasons. November 4, 1999, Athens, Greece. A group protesting President Clinton's visit to Greece hid a gas bomb at an American car dealership in Athens. Two cars were destroyed and several others damaged. Anti-State Action claimed responsibility for the attack, but the November 17 group was also suspected. November 12, 1999, Islamabad, Pakistan. Six rockets were fired at the U.S. Information Services cultural center and United Nations offices in Islamabad, injuring a Pakistani guard. September 29, 2000. near Jerusalem Israel. Attack on motorists. U.S. citizens injured: Avi Herman of Teaneck, NJ, Naomi Herman of Teaneck, NJ. September 29, 2000, Jerusalem, Israel. Attack on taxi passengers. U.S. citizens injured: Tuvia Grossman of Chicago, Todd Pollack of Norfolk, VA, Andrew Feibusch of New York. October 4, 2000, near Bethlehem, West Bank. U.S. citizens injured: An unidentified American tourist. October 5, 2000: near Jerusalem, Israel. Attack on a motorist. U.S. citizens injured: Rabbi Chaim Brovender of Brooklyn. October 8, 2000, Nablus, West Bank. The bullet-ridden body of Rabbi Hillel Lieberman, a U.S. citizen from Brooklyn living in the Jewish settlement of Elon Moreh, was found at the entrance to the West Bank town of Nablus. Lieberman had headed there after hearing that Palestinians had desecrated the religious site, Joseph's Tomb. No organization claimed responsibility for the murder. October 12, 2000, Aden Harbor, Yemen. A suicide squad rammed the warship the U.S.S. Cole with an explosives-laden boat killing 13 American sailors and injuring 33. The attack was likely by Osama bin Ladin's al-Qaida organization. October 30, 2000, Jerusalem, Israel. Gunmen killed Eish Kodesh Gilmor, a 25-year-old American-Israeli on duty as a security guard at the National Insurance Institute in Jerusalem. The "Martyrs of the Al-Aqsa Intifada," a group linked to Fatah, claimed responsibility for the attack. Gilmor's family filed a suit in the U.S. District Court in Washington against the Palestinian Authority, the PLO, Chairman Yasser Arafat and members of Force 17, as being responsible for the attack. December 31, 2000, Ofra, Israel. Rabbi Binyamin Kahane, 34, and his wife, Talia Hertzlich Kahane, both formerly of Brooklyn, NY were killed in a drive-by shooting. Their children, Yehudit Leah Kahane, Bitya Kahane, Tzivya Kahane, Rivka Kahane, and Shlomtsion Kahane, were injured in the attack. March 28, 2001, Neve Yamin. Bombing at bus stop. U.S. citizens injured: Netanel Herskovitz, 15, formerly of Hempstead, NY. May 9, 2001, Tekoa, West Bank. Kobi Mandell, 13, of Silver Spring, MD, an American-Israeli, was found stoned to death along with a friend in a cave near the Jewish settlement of Tekoa. Two organizations, the Islamic Jihad and Hizballah-Palestine, claimed responsibility for the attack. May 29, 2001, Gush Etzion, West Bank. The Fatah Tanzim claimed responsibility for a drive-by shooting of six in the West Bank that killed two American-Israeli citizens, Samuel Berg, and his mother, Sarah Blaustein. U.S. citizens injured: Norman Blaustein of Lawrence, NY. July 19, 2001, Hebron, West Bank. Shooting attack. U.S. citizens injured: An unidentified woman from Brooklyn, NY. August 9, 2001, Jerusalem, Israel. A suicide bombing at Sbarro's, a pizzeria situated in one of the busiest areas of downtown Jerusalem, killed 15 people and wounded more than 90. Hamas claimed responsibility for the attack. U.S. citizens killed: Judith L. Greenbaum, 31, of New Jersey and California, Malka Roth, 15, whose family was from New York. U.S. citizens injured: David Danzig, 21, of Wynnewood, PA, Matthew P. Gordon, 25, of New York, Joanne (Chana) Nachenberg, 31, Sara Shifra Nachenberg, 2. August 18, 2001, Jerusalem, Israel. Shooting at a bus. U.S. citizen injured: Andrew Feibusch of New York. August 27, 2001, near Roglit, Israel. Shooting attack. U.S. citizen injured: Ben Dansker. September 11, 2001, New York, Washington D.C., and Pennsylvania, United States. During a carefully coordinated attack, 19 Islamist extremists hijacked four U.S. jetliners and forced them to crash into the World Trade Center and the Pentagon. In all, 266 people perished in the four planes, and more than 3,000 people were killed on the ground. U.S. investigators determined on the basis of extensive evidence that Usama bin Ladin's al-Qaida group was responsible for the attack. The first plane, American Airlines Flight 11 en route from Boston to Los Angeles, crashed into the World Trade Center's north tower at 8:48 a.m. Eighteen minutes later, United Airlines Flight 175, also headed from Boston to Los Angeles, smashed into the World Trade Center's south tower. At 9:40 a.m. a third airplane, an American Airlines Boeing 757 that left Washington's Dulles International Airport for Los Angeles, crashed into the western part of the Pentagon where 24,000 people worked. The fourth plane, a United Airlines Flight 93 flying from Newark to San Francisco, crashed near Pittsburgh, Pennsylvania, most likely before it could hit its target. Hundreds of firefighters, police officers and other rescue workers who arrived in the site after the first plane crash were killed or injured. November 4, 2001, Jerusalem, Israel. Shoshana Ben-Yishai, 16, of Queens, NY was killed in a shooting at a bus station. U.S. citizen injured: Shlomo Kaye. December 2, 2001, Jerusalem, Israel. Bombing on Ben-Yehuda Street, Jerusalem. U.S. citizens injured: Ziv Brill, 17, of West Hempstead, Long Island, NY, Temima Spetner, 19, of St. Louis, MI, Jason Kirshenbaum of New Rochelle, NY, Israel Hirschfield, 18, Joseph Leifer, 29, of Borough Park (Brooklyn), NY. December 18, 2001, shooting on the Jerusalem-Shilo road. U.S. citizens injured: David Rubin, 44, of Brooklyn, NY, Asher "Ruby" Rubin, 3. January 15, 2002, Bethlehem, West Bank. Avraham Boaz, 71, of New York, a dual Israeli-American citizen, was kidnapped at a PA security checkpoint in Beit Jala and murdered. January 18, 2002: Shooting in Hadera. U.S. citizen killed: Aaron Elis, 32, son of Chicago family. January 22, 2002: Shooting in Jerusalem, Israel. U.S. citizen injured: Shayna Gould, 19, of Chicago, IL January 27, 2002, Jerusalem, Israel. A Palestinian woman triggered a massive explosion in downtown Jerusalem killing one elderly Israeli and injuring more than 150, including American Mark Sokolow, his wife, and 16 and 12-year-old daughters. Sokolow had earlier survived the September 11 attack on the World Trade Center, escaping from his law office on the 38th floor of the South Tower before it collapsed. February 8, 2002, Jerusalem, Israel. Stabbing in Abu Tor Peace Forest Jerusalem. U.S. citizen killed: Moranne Amit, 25 February 15, 2002, near Ramallah, West Bank. Lee Akunis was shot to death. February 16, 2002: Bombing in Karnei Shomron. U.S. citizens killed: Keren Shatsky, 14, of Brooklyn, NY and Maine, Rachel Thaler, 16, of Baltimore, MD. U.S. citizens injured: Lior Thaler, 14, of Baltimore, MD, Hillel Trattner of Chicago, IL, Ronit Yucht Trattner of Chicago, IL, Chani Friedman of New York. February 19, 2002: Shooting near Neve Dekalim. U.S. citizens injured: Moshe Saperstein of New York. February 25, 2002, Jerusalem, Israel. Moran Amit, 25, was stabbed to death in Abu Tor Peace Forest in Jerusalem. March 7, 2002, Eshel Hashomron Hotel, Ariel, Israel. A Christian tourist from Arkansas lost her right eye in an attack by a suicide bomber. March 21, 2002, Jerusalem, Israel. Bombing on a Jerusalem street. U.S. citizens injured: Alan Joseph Bauer, 37, of Chicago, Yonathon Bauer, 7 (dual U.S.-Israeli citizenship). March 24, 2002, Ofra, Israel. Shooting near Ofra. U.S. citizens killed: Esther Kleinman, 23, formerly of Chicago, IL. March 27, 2002, Netanya, Israel. U.S. citizen Hannah Rogen, 90, was killed in a suicide attack at a Passover Seder. March 31, 2002, Efrat, Israel. Bombing in Efrat. U.S. citizens injured: An unidentified American citizen. June 18, 2002, Jerusalem, Israel. Moshe Gottlieb, 70, of Los Angeles, CA was killed in a bus bombing in Jerusalem. June 19, 2002, Jerusalem, Israel. Gila Sara Kessler, 19, whose family came from New York, was killed in a bombing at a bus stop. July 31, 2002, Hebrew University, Jerusalem, Israel. Nine people were killed when a bomb exploded in the main cafeteria at the Hebrew University's Mount Scopus campus in Jerusalem. Five were U.S. citizens: Janis Ruth Coulter, 36, of MA; Marla Bennet, 24, of San Diego, CA; David Gritz (also a French citizen), 24, of Peru, MA; Benjamin Blutstein, 25, of Susquehanna Township, PA; and Dina Carter, 37, of NC. Israelis David Ladovsky, 29, and Levina Shapira, 53 also died in the bombing. U.S. citizens injured: Spencer Dew, 26, of Owensboro, Kentucky; Zeev Spencer; Harris Gershon; Jamie Harris. Hamas claimed responsibility for the attack. March 5, 2003: Bus bombing in Haifa. U.S. citizens killed: Abigail Leitel, 14, who was born in Lebanon, New Hampshire. March 7, 2003: Shooting in the victims’ home. U.S. citizens killed: Rabbi Eli Horowitz, 52, who grew up in Chicago; Dina Horowitz, 50, who grew up in Florida April 30, 2003: Bombing at a Tel Aviv pub. U.S. citizens injured: Jack Baxter, 50, of New York City. June 11, 2003: Bus bombing in Jerusalem. U.S. citizens killed: Alan Beer, 47, who grew up in Cleveland. U.S. citizens injured: Sarri Singer, 27, daughter of New Jersey State Senator Robert Singer. June 20, 2003: Shooting attack on a car driving through the West Bank. U.S. citizens killed: Tzvi Goldstein, 47, who grew up in New York; U.S. citizens injured: Eugene Goldstein, Tzvi’s father, of Long Island, New York; Lorraine Goldstein, Tzvi’s mother, of Long Island, New York; Michal Goldstein, Tzvi’s wife, who grew up in New York. August 19, 2003: Homicide bombing on a bus in Jerusalem. U.S. citizens killed: Goldie Taubenfeld, 43, of New Square, New York; Shmuel Taubenfeld, 3 months, of New Square, New York; Mordechai Reinitz, 49; Yitzhak Reinitz, 9. Tehilla Nathanson, 3, of Monsey, New York; U.S. citizens injured: Mendel Reinitz, 11. September 9, 2003: Homicide bombing at a cafe in Jerusalem. David Applebaum, 51, and his daughter Nava, 20, originally of Cleveland were killed. October 15, 2003: Bombing of American convoy in the Gaza Strip: John Branchizio, 37, Mark Parson, 31, and John Martin Linde, 30, were on contract to the U.S. embassy in Tel Aviv through the defense contracting company Dyncorp.U.S. citizens injured: One as-yet-unnamed U.S. citizen (reportedly a diplomat). September 24, 2004: Mortar strike on a housing community: Tiferet Tratner, 24, (dual U.S.-Israeli citizenship). April 17, 2006: Homicide bombing at the Rosh Ha'ir restaurant in Tel Aviv: Daniel Wultz, 16, of Weston, Florida, died one month after receiving his wounds in this bombing. Compiled by Caroline Taillandier, a research assistant at the GLORIA center and student at Tel Aviv University, Dr. Mitchell Bard, and Alden Oreck, Avi Hein, and Elihai Braun, research assistants at the American-Israeli Cooperative Enterprise, and Paul Teller, Deputy Director, House Republican Study Committee. -------------------------------------------------------------------------------- Sources: Chronology on Terrorist Incidents 1961-2001, State Department; "Patterns of Terrorism" reports 1995-2000; State Department Institute for Counter-Terrorism Database; Interdisciplinary Center, Herzliya; Peacewatch, The Washington Institute for New East Policy; AIPAC; Ha'aretz, Republican Study Committee
How is the best way to help these less fortunate? Invite them into your home and feed, cloth them, pay for their medical needs? All the while they disrespect you and your family? We already help these unfortunates by sending money to their Country. and buying their products. Why is this even our problem? Shouldn’t their own Government be helping them out? Shouldn’t they be helping theirselves and their own Countrymen out in their own Country? God also demands respect and love for each other. Do unto others. Where is the love they have shown us? Breaking our immigration laws, driving without a license, insurance, or driving drunk killing American citizens? God also demands that you turn the other cheek. But does not say what to do when you run out of cheeks. God also says in Proverbs 25:17 Withdraw thy foot from thy neighbour's house; lest he be weary of thee, and so hate thee. Every American is not an immigrant. "
would not the real show of patriotism be to raise taxes in a time of war? So the money could be used to help military families who are struggling financially, to provide better veteran health care facilities, to provide increased life insurance policies for the families of the deceased, and to provide for the armor plating of vehicles in combat as well as the vest our troops wear? Should not the American public be asked to sacrifice at the same time that our brave men and women are being asked to(not quite the same type of sacrifice I know.)? Both my father and I fought in two different wars. One demanded total sacrilfice for the cause, the other did not. We won the first and lost the second one. Can we expect to win if we at home our not willing to give up our tax decrease windfalls? Is that new boat more important than the lives of American sons and daughters? This administration seems to think so. too many ours. One should be are.
Would anyone like to lend me some money??? I am trying to achieve every american's family dream and purchase our first home. I started my family a little young with next to nothing to fall back on. it is hard in these days to save money when business dont pay much, you have to have health insurance and auto insurance as well as everyday expenses and the price of things are not going down, if I dont do something now then i will probably rent for the rest of my life!!!!!!!!!!!1
coragryph the lawyer said no one is above the law coragryph explain how Quarter Ton of Marijuana Equals Free? coragryph explain how when you said no one is above the law yet your claim has some problems.Please explain why those laws can be broken without worry of punishment,fines,jail time. Just when you thought our government couldn’t sink any lower in the dereliction of their duty to protect this nation and uphold our laws, you get an e-mail from a reader with a link to this… If you’re caught with two pounds of pot that you plan to sell, plan on going to jail for up to seven years. With 500 pounds, you can kiss your completely freedom goodbye. But head down to Southern Arizona, near the border, do the exact same thing, and in many cases you get off scott-free. No prosecution, no penalty, no prison…in fact - not even a slap on the hand. County prosecutors say it’s enormously frustrating and for the drug cartels, enormously profitable. But this sweet deal only applies if you’re illegal and smuggling 500-pounds or less. And therein lies one of our country’s dirty little secrets: Mexican drug runners getting a free pass back to Mexico if they’re caught with less than a quarter-ton of pot. Cochise County attorney Ed Rheinheimer spells it out. “If a seizure is made of an amount less than 500 pounds, the case doesn’t get prosecuted.” You read that right. Drug runners doing business without punishment. But don’t blame the county attorneys. Remember: These are federal cases and should be federally prosecuted. But guess what? They don’t get prosecuted by the feds and now, they don’t get prosecuted by guys like Ed Rheinheimer, either. “Since 2003 we stopped prosecuting federal referrals because of a lack of resources.” [snip] And while these “weight limits” are unfamiliar to most Americans - drug cartels know them well and plan accordingly. Sergeant Terry Parish warehouses the seizures. We walked through store rooms holding marijuana from floor to ceiling. Lisa Fletcher: “How many of these guys do you think are aware of this sort of unspoken rule that if you’ve got less than 500 pounds, you’re probably not going to get prosecuted?” “I think probably more of them are aware of it than individual officers are. Their intelligence is very good, it’s what they do for a living.” And they do it every night…all along Arizona’s border. War on drugs? Don’t make me laugh. This a full frontal assault on the American citizen and our society. Think I’m wrong? Well, consider this, it seems George Orwell’s famous quote, “All animals are equal, but some animals are more equal than others” has never been more accurate than it is in America today. Is it any wonder Americans are outraged over the current illegal immigration situation? While our government winks and nods at Mexico, we’ve watched as illegal immigrants are afforded more and more rights in our society than American citizens - American citizens who happen to get stuck with the bill to pay for all of this generosity and are hauled off to prison if we dare to think of breaking any of the laws that illegal aliens receive a free pass for breaking. Our rewards for being Americans and legal American citizens are higher taxes, higher crime rates, lower wages, higher insurance premiums and on and on while illegal aliens are rewarded for their crimes against our borders and our society with: Free health care - U.S. taxpayers pay the medical bills for illegal aliens yet the cost of most American’s monthly health insurance premium for even a small family has now exceeded their monthly mortgage payment and if we fail to pay for our insurance and need medical care, our home will have to be sold to cover the costs. The right to be above the law - Illegal aliens can hide in ’sanctuary cities’ that say, “we care more about the rights of criminal aliens than the rights of our own citizens” yet American criminals are not afforded a place to hide, in fact, they are hunted down. In-state tuition - Senators Hillary Clinton, Dick Durbin, and other members of our Congress are proud sponsors of the illegal dream yet American children have to pay more for their college tuition than their illegal counterparts as some states have already implemented in-state tuition for illegal aliens in direct violation of our federal law. Day laborer centers - American taxpayers fund illegal day laborer centers yet there are no ‘gathering places’ being built for unemployed American workers. No ID necessary - “The stigma and humiliation of constantly proving lawful status is unacceptable”, says the ACLU yet Americans are expected to show 2 forms of verifiable ID to obtain a driver’s license. Fair share of Katrina disaster aid - Hillary Clinton - defender of the illegal alien, made sure that illegal aliens got their ‘fair share’ of the Katrina disaster aid paid for courtesy the American taxpayer. Using our courts to see that crime pays - 2 illegal immigrants won an Arizona ranch in court. Do you think an American trespasser could get that lucky in court? Turning our sense of right and wrong on its head - The Minuteman Project and other anti-illegal immigration groups are targeted as bands of racists and even called ‘vigilantes’ by our President and ‘bigots’ by a member of the U.S. Senate. Americans who are trying to help the border patrol, because of our government’s total disregard for the citizens of this nation, are rewarded by being vilified by the very officials failing to live up to the office they occupy. In this topsy-turvy world, criminals are now accepted as the victim and law-abiding citizens are handed the bill and openly accused of racism if they disagree. Or arrested if they dare to protest. Our Border Patrol agents languish in prisons while known drug smugglers are given immunity. And now, American citizens can expect to face prison time for small amounts of marijuana while illegal aliens can possess a quarter of a ton - and bring it across an international border - with absolutely no ramifications? Orwell was right, “Some animals (and people) ARE more equal than others”. coragryph, tell me why are these people above the law when you clearly said nobody was or is above the law. How do you explain this?Looks like they are above the law, even though you said this does not happen, you know cause you are a lawyer. How do you explain these guys being above the law?
Has the American Dream turned into the American Nightmare? Growing up, we all feel like we want to own our own house one day, and we are almost always taught that you are a sub-par citizen if you haven't. That you haven't flexed "your American muscle" if you haven't decided to purchase. My wife and I rent. And i've heard the talking after we were married. "Oh, they are just renting" "Maybe they are having financial difficulties". Some family members even have tried to even give me job leads even though I make over 40 grand per year by myself. I feel like some sheep that went wayward from the flock, or a voice crying out in the wilderness. I choose not to pay property taxes, mortgage insurance, repairs, and subdivision fees. Could I have been right all along? Could the dream of owning a home, been reversed into a nightmare?
Are you aware of these proposed tax changes? Suzi- I read the WHOLE thing- it affects me. You would be wise to read the whole thing as well.
Would you like more informaton on hosting and international exchange student? FORTE INTERNATIONAL EXCHANGE ASSOCIATION A Non-Profit Educational Program ARE YOU INTERESTED IN HOSTING A HIGH SCHOOL EXCHANGE STUUDNET? Forte International Exchange Association is looking for good homes for students from many different countries. Students will be arriving this August to spend five to ten months living with families in your community. There is no such thing as a typical host family! Single-parent families, retired couples, families with young children, as well as those with teenagers or who are empty-nesters have all had successful hosting experiences. The most important criteria for a FIEA host family are a genuine interest to share the American culture with a foreign teenager and a genuine interest in the well-being of the student. Each applicant is screened and prepared for the exchange by experienced international staff representatives. Participants are chosen based on their academic achievements, extracurricular activities, adaptability and responsibility. All applicants have completed several years of English instruction prior to their acceptance into FIEA’s program. FIEA provides each student with medical and liability insurance, and every host family is assigned a local program representative to assist them during the exchange experience. It is only through the kindness and generosity of families in communities like yours that these young ambassadors will be able to fulfill their dreams! Students will bring their own spending money to cover such expenses as clothing, school supplies and entertainment. They can share a room. Host families are asked to provide meals and a home environment. While no compensation is paid directly by FIEA to volunteer families, the IRS has authorized families who host for government-designated, non-profit educational exchange programs – such as FIEA – to claim a $50.00 per month charitable contribution deduction on their itemized tax returns. BRING THE WORLD TO YOUR DOORSTEP! CALL F.I.E.A. TODAY National Director: Carolyn Simmons 1-888-866-9159 Area Director: Nina Vargo 1-888-866-9113 Or check out our web site: www.forteexchange.org
Should Americans who can afford to do so be required to have health insurance? Just wondering what everyone's opinion on this is. Like I said, if they can afford it whether it be because they are wealthy or if by some miracle of God insurance did become reasonable enough for people to be able to afford a policy for their family. Should they be made to get it? After all, we are required to have insurance on our autos, is there a difference? On your home, you are not required to have insurance, but if it burns you're simply SOL. Sometimes not so with healthcare. If you don't have health insurance and are in a terrible accident, the government bails out some people by giving them back-dated medicaid. Should this be done if the person could've afforded insurance, but just chose not to? Jas G: It happens many, many times every single day, a person who wasn't at fault is seriously injured by an uninsured motorist. Even though we are required to have auto insurance, not everyone does, do they? So who pays for it then? Ah, that must be that little fee they tack onto our bills for "uninsured motorists". Those people who did get injured by an uninsured motorist most certainly do get screwed. And being in the healthcare field and seeing it all the time, I hope you aren't naive enough to think only financially qualified people get back-dated medicaid. If only our system were so competent! Sometimes all it takes is a little switch-er-rooney of assets into someone elses name to qualify. There are some very smart people who know how easy it is to work our flawed system. Ningis n: Yep, that stinks when those unexpected surprises come up like cars breaking down, air conditioners going out, water pipes busting, etc. We all hate those and wish they never happened, but as far as I can tell, that's life! What if health insurance was one of those necessary evils like groceries, utility bills, car payments, and clothing? When your car breaks down and you have to pay that $1000 to get it fixed, do you still have to pay for your groceries that month? You have totally neglected the part of my question that said "if it was affordable" I'm not going to debate with you who decides that, I'm asking in theory, if it was. You answered by today's standard of it not being affordable. And although you quoted a nice statement by Obama that people don't have it not because they don't want it, there are in fact, many of those people out there. They can have it, but choose not to. Thats certainly not the majority, but they are definitely out there.
My Swedish gf needs health insurance in America...can she get it? Hi, Well, here is the deal: My girlfriend is from Sweden. She suffered a terrible brain injury a year ago, while studying abroad in the California. This is when we met met. Anyways, we had to fly her back home to Sweden to get the best medical care possible for her. Now she is much better. As I am an American and most of my family and friends are there...we want to go back to the U.S. The only problem is she may still need to take medications. Does anyone know if she could qualify for some sort of state medical welfare? I mean, there are lots of people in the U.S...from different parts of the world---mexico!!...who have some sort of rights in our country. What can she get? If you're going to be a jerk about this question...don't bother replying...cause I really don't care what you have to say. You'll just be waisting your time. Thank you.
Does most illegals WANT to be a citizen ? I don't think they do . They work send money back home to build up there family home there and return several yaers later more prosperous . Meantime we get money in Social Security fund for Americans goods stay low priced . Mabbe we should let em work but get insurance like health and vehicle so Americans is protected that way . Let there kids go to public schools we pay for it anyways . Just don't offer extra classes for English . Sure would put a chokehold on the coyote business and lighten up the load for Border patrol . Border agents could focus on them drug and gun banditos then eh ? I know I know what about them that come legally well think , we still allow people to come legally with all this illegal immigration now . They 're the ones wantin to gain citizenship at some point . Do alittle extra for those folks treat em like family . Like if a illegal gets a speeding ticket make the fine double coz their illegal if they kill someone on purpose double the prison time . Might work
Some of you wanted to know how illegals affect us? personally???? Here is ONE example!!!!!!!!!!!!! Catastrophe in Care Hospitals are being crippled by the costs of treating migrants--and that could be just the start of an immigrant-related health crisis By LEO W. BANKS Leo W. Banks One of the many signs on the Naco Highway. Leo W. Banks "It's not unusual to have one UDA (undocumented alien) cost $5,000, and we know we're not going to get that back," says Josie Mincher, emergency room manager at Copper Queen Hospital. Leo W. Banks "Until we have comprehensive immigration reform, we need to bear the health-care costs for undocumented workers, whatever those costs are," says Rev. Tom Buechele. If you drive along Southern Arizona's border with Mexico long enough, you might see a lone illegal wandering the desert. Or maybe he's hunched at the roadside sipping water from his milk jug. What's he doing there, and where are his compatriots, the people he broke into the country with? The uninformed might ask those questions, but those who live with the daily invasion across our open borders can make a pretty good guess what's happening. The fellow got bounced from his group by the coyote-guide. Two transgressions will get an illegal cut loose with certainty: Either he can't pay, or he shows signs of tuberculosis. You think these coyotes are fools? They don't want some hollow-eyed lunger hacking and coughing blood on them. So it's adios, pal, and now you're America's problem. But they know that already. Every illegal realizes that if he makes it to an emergency room in Southern Arizona, or anywhere around the country for that matter, he can get treatment, free of charge. It's federal law, and has been for 20 years. In its evolution, the policy has become a kind of federal health insurance program for illegals, and its rising costs are eating up resources that could otherwise go to poor and uninsured American citizens. It has created a financial nightmare for border hospitals and contributed to cutbacks in services at Tucson hospitals. Is this an outrage? A scandal? Some think it's both. But going back to our active TB sufferer, here's something even worse: The guy can't get treatment anywhere, goes underground and takes a job at a restaurant in Tucson or L.A., and coughs his way to infecting scores of others. Talk about a Hobson's choice. But as with everything in the ongoing crisis of illegal immigration, the hard choices would largely evaporate if the federal government fulfilled its constitutional duty and took control of our border. The threat illegal immigration poses to American public health plays out every day at Arizona's hospitals. Until recently, the issue remained only marginally public, a problem medical people batted around among themselves, not with the media. Even today, several hospitals contacted for this story declined comment. The Copper Queen Hospital in Bisbee, one of the hardest hit, helped break that barrier when CEO Jim Dickson began returning reporters' calls, even though the subject, as he puts it, has become "like the third rail. You don't want to touch it." But his problem had grown severe. Dickson's uncompensated costs for treating illegals rose from $35,000 in 1999 to $450,000 in 2004. His total shortfall now sits at about $1.4 million, a hefty deficit for a 14-bed hospital. To make ends meet, he had to close, in June 2000, the Copper Queen's long-term care facility, and cut back on staff and hours, forcing some employees to take second jobs to survive. The hospital has seen a ray of light, however. In the first months of 2005, the Copper Queen has gone back into surplus, in part because more illegals are in Border Patrol custody when brought in to the hospital. That means the Border Patrol must reimburse the Queen for the cost. In the past, agents would drop injured illegals not in their custody at the ER and take off, sticking the hospital with bills that never got paid. Another reason for the decrease, says Dickson: the Minuteman Project. "It's been terrific for us in April," he says, cutting down on the number of people coming across and therefore the number requiring ER treatment. Dickson says the hospital wrote off about $6,000 in losses in April this year, compared to about $35,000 in April 2004. The central issue, though, remains in place--the hospital has had to scale back health services to American citizens to treat illegals. Bisbee isn't alone. The most comprehensive study on the subject found that 24 counties in four states bordering Mexico wracked up $190 million in unpaid emergency medical bills caring for illegals in the year 2000. The study, commissioned by the U.S.-Mexico Border Counties Coalition, found that California spent $79 million of that; Texas, $74 million; Arizona, $31 million; and New Mexico, $6 million. Bear in mind that these numbers, the best available, are from 2000. We can assume, with increasing rates of crossings since then, the costs are considerably higher today. Nor do the above figures take into account non-border counties. Treating illegals in Maricopa County costs as much as $50 million a year, according to an estimate used by Republican Sen. Jon Kyl. Nationally, American hospitals lose $1.45 billion a year. The Medicare reform bill passed in 2003 allocated $1 billion to reimburse states for federally mandated ER care given to illegals--about $45 million a year of that to come to Arizona over four years. But even that, some hospital staffers say, is little more than a Band-Aid on a huge problem. Ruth Kish, director of patient care services at Copper Queen, expects that under the repayment formula, her hospital will receive only 10 cents of every dollar they spend on illegals. "But every bit helps," says Kish. Another factor: The counties in the above-mentioned study spent an additional $13 million in 2000 on emergency transportation, such as helicopters and ambulances, to pick up illegals injured after sneaking across the line. The Bisbee Fire Department's ambulance responds to about one of these calls a day during the summer, says Chief Jack Earnest. Asked how many of these patients pay up, Earnest wasn't sure, and recommended contacting the billing office in Sierra Vista. The billing office knew exactly how often illegals pay their ambulance bills--never. But there's another category--Mexicans injured in Mexico who call American ambulances for help. By federal law, they have to respond, which makes Bisbee's Copper Queen the trauma center of choice for Sonora's northern frontier. The calls come from Naco, Sonora, the town across the line just south of Bisbee, where, in spite of widespread poverty, cell phones are popular, and everybody knows the Americans are bound by law to treat them. "When we get a call we go, and we don't ask where the person's from," says Earnest. Naco residents needing care go to the port of entry and declare an emergency to American officials. When they're waved through, they're transported to the Copper Queen's ER in Bisbee's ambulance, or they drive themselves in private cars. The policy is called Compassionate Entry, and it applies to hospitals up and down the line. The Copper Queen averages about five such cases a month. Some abuse the privilege, says ER Manager Josie Mincher. She's seen Compassionate Entries with bad sore throats and others who aren't sick at all. One pregnant girl landed in the ER recently complaining of morning sickness. Most are seriously sick, though, and the staff rushes to help, "because that's what we do," says Mincher. But it doesn't take much to blow the budget. "Just walking in the door is $400," says Mincher. "It's not unusual to have one UDA (undocumented alien) cost $5,000, and we know we're not going to get that back. We're playing with monopoly money here." Here's an example of how one patient can wrack up a huge bill: A young Mexican man had a bad auto accident across the line and was taken to Douglas' Southeast Arizona Medical Center with severe neurological problems. After being stabilized there, he was transferred to Barrow's Neurological Center in Phoenix. He spent a costly month there, courtesy of the Center, and was transferred--with a tracheotomy tube in his throat and supplies to clean it, also provided gratis by Barrow's--to a hospital in Hermosillo. That facility kept him less than a day before releasing him to his home in Naco. But for reasons no one can explain, the Hermosillo hospital kept his trach kit and cleaning supplies. As a result, he became septic--a bad infection--and came through the Naco port under Compassionate Entry to the Copper Queen. He spent three days there, then the staff sent him off, with more free supplies, to a clinic in Agua Prieta for continued care. How much did this fellow cost the American health care system? A figure of a quarter-million dollars would surprise no one. Cost to the Copper Queen? Almost $6,000, and they got none of it back. Northern Cochise Community Hospital is in Willcox, far enough from the border that it doesn't get patients crossing the line for health care. But that doesn't mean it escapes the invasion. CEO Chris Cronberg loses about $100,000 a year caring for illegals, mostly those injured in traffic accidents when their loaded vehicle flips while speeding north. "It's not make or break for us," says Cronberg. "But as a small hospital, we depend on cash, and those are dollars that aren't coming in, so it has an impact." The same is true at Sierra Vista Regional Health Center, according to Vice President Marie Wurth. She expects the hospital to lose $250,000 this year treating those who jump the line, get hurt doing it and don't pay their bills. The big squeeze is on in Tucson, too. Tucson Medical Center loses an estimated $4 million every year treating illegals. The corresponding figure at UMC, which includes some foreign nationals, was $3.5 million for fiscal 2004, a $2 million increase from the previous year. Part of that is attributable to UMC, in July 2003, becoming Tucson's only Level One trauma center, meaning it saw the most serious cases. Chief Financial Officer Kevin Burns says the hospital's re-payment rate for treating illegals is about 5 cents on the dollar. "It's very expensive for us and continues to grow," says Burns, who says many illegals, as well as uninsured Americans, use his ER like a primary care physician. "We hear anecdotally that people come here from across the border because they know they can get cared for, and if they present at the ER, they can get that care at no cost." The federal law that put the hospitals on the hook for the medical bills of illegals goes by the acronym EMTALA--Emergency Medical Treatment and Active Labor Act. It says that anybody who shows up in an ER must get screened, treated and stabilized, regardless of citizenship or ability to pay. But since its passage in 1985, the definition of emergency has evolved to include just about anything, and because Congress didn't fund the requirement, hospitals have had to eat the costs as word has spread that the federal goodie wagon is parked at the ER door. In cities with huge illegal populations, such as Los Angeles, the effects have been disastrous. In its spring 2005 issue, the Journal of American Physicians and Surgeons reported that between 1993 and 2003, 60 California hospitals closed because, for several reasons including EMTALA, half of their services became unpaid. Another 24 are near closing, says author Madeleine Pelner Cosman. She also writes that in 1983, before EMTALA, L.A. County put together a trauma network that was "one of America's finest emergency med response organizations." A mere 22 years later--again, in part because of EMTALA--Cosman says the system is coming apart, with most trauma hospitals having left the network, along with physicians, surgeons and others. The law has caused a similar situation in Tucson, on a smaller scale. "With EMTALA, the government created an unfunded national health insurance program, and it has caused real problems in this community," says Dr. Herb McReynolds, who works for a company that manages the ER department for St. Mary's Hospital, which treats a large number of illegals. Lawmakers wrote the legislation to prevent patient dumping--in which one hospital refuses to accept, say, an uninsured woman in labor, telling ambulance personnel to take her to the county hospital instead. It stopped that practice. But it has caused a big increase in the amount of un-reimbursed care that hospitals provide, and in McReynolds' words, "made physicians rethink their careers and lifestyles." "The price of it has come over time, because after so much uncompensated care, it forces physicians off our call list," says McReynolds. "Physicians have a practice to go to the next day and a family, and ask themselves, do I really want to be up at 2 a.m. providing care when I won't get comp, and I can still get sued?" Some docs have removed themselves from on-call lists by going to work at outpatient surgical centers not affiliated with a hospital. Others stay on call, but limit the amount of time they're available. A neurosurgeon might take call one day a week, and that satisfies the law. EMTALA says that you must provide a reasonable amount of coverage, without being strict or specific about how much that is. McReynolds says that EMTALA--in tandem with the malpractice crisis--has caused the loss of medical coverage at many hospitals around the country and in Tucson, including St. Mary's. "Several years ago we had five neurosurgeons on staff here, and now we have two," he says. "We had hand surgery coverage every day, and now we have it one week a month. We used to have full ob-gyn coverage, and now they've left and gone to TMC. We have no ob-gyn and one gynecologist on staff covering emergencies one day a week." With docs all over Tucson running for cover, trying to stay off call and away from ERs, the variety of emergency health care available to Tucsonans has seriously diminished. And here's the most maddening irony of all: The feds now reimburse American hospitals for treating non-paying illegals, but not for treating American citizens. Exception: Those eligible for care under Federal Emergency Services, a fairly restrictive program. For a year and a half now, UMC has approached non-paying illegals in a novel way--it actually reports them to immigration officials. "Some people find that cold, but we have a responsibility to protect this charitable asset (hospital)," says CFO Burns, adding that UMC's status as a public entity requires a different approach. "Our belief is that to the extent people have ability to pay, we expect them to." After triaging and stabilizing an ER patient, the hospital sets out to learn who that patient is, and how he or she plans to pay. To those who are uninsured and underinsured, the hospital offers the option of applying for its innovative Charity Care program. Under it, the hospital charges the patient the same rate it would receive for that service from Medicare, a possible reduction of up to 70 percent. Patients unable to pay at that discounted rate are eligible for further discounts that can tear up the bill entirely. To apply for Charity Care, the patient need only return to the hospital with a W-2 or other documents. Those who cooperate and return with the required documents don't get reported to the feds. But the hospital does report those who take the medical care and run. How many illegals cooperate with this generous offer? Ten percent. Burns says UMC began reporting the 90 percent who don't pay in November of 2003. So far, they've reported 565 persons. Why start reporting? "Maybe a bit of it was born of frustration because people use our resources and make no effort to work with us and pay," he says. "Even if part of the population doesn't pay, I still have to hire new people and buy and upgrade equipment, which costs $15-$20 million a year. When you have these strains on resources, from foreign citizens and as well as Medicaid patients, you have to manage cash flow very carefully." As with most issues related to the illegal invasion, those who live along the Mexican border, the scene of the crime, have the best view. Where health issues are concerned, it's not a pretty sight. Residents say they've come across ground dotted with discarded pills, syringes containing nobody knows what, and used needles. Some report riding horses along creek beds, popular pull-up areas for groups heading north, and finding 70 or 80 piles of human feces, some of it blackened and running with blood. It's as disgraceful as it is disgusting--and it raises a question: What happens when rain washes all this into the water supply? Is it a threat to spread diseases such as hepatitis? Some believe it might be. What happens when cows drink from these contaminated creeks? And what happens when this constant flow of Third World humanity goes north, fanning out all across Arizona and the country? What kind of diseases do they bring with them? ER workers like Mincher live with that question every day. "We protect ourselves best we can," she says, "but if somebody comes in with a contagious disease, I might as well buy the farm, because I don't know what it is. A lot of times, they don't know what they have either. If they came off a ranch in southern Mexico, they've had no immunizations, no health care, nothing." Most of what she sees at Copper Queen--around 75 percent--is orthopedic, falls suffered while jumping fences, for instance. Dehydration, too. Some of these are pregnant women nine months along, who, in Mincher's words, "are so desperate to have their babies born in the U.S., they'll do whatever it takes." She sees cardiac-related cases among illegals who've been given crack, methamphetamine or speed by their coyote so they can keep walking. But she's also treated illegals with active chicken pox, tuberculosis, all varieties of hepatitis and AIDS. The Web and print media are full of stories about the diseases illegals carry, and their effect on American health. But some writers make alarming claims with sketchy evidence at best. In the cases of two diseases, however--Chagas and tuberculosis--the evidence is clearer that they're indeed coming across our border. Chagas, a potentially fatal illness spread by contact with the feces of the reduviid bug, called the "kissing bug," is prevalent in South and Central America. Fifteen million people in that region are infected with the parasite, and 50,000 die of it every year, according to the World Health Organization. A person can be infected for 10 or 20 years or more before showing symptoms, making it particularly insidious. At its most severe, the disease can cause the heart to fail, and literally explode. In the United States? Louis Kirchhoff, of the University of Iowa Medical School, estimates that between 80,000 and 120,000 Latin Americans with Chagas live here. Matching prevalence studies and immigration numbers, Kirchhoff figures about 10 Chagas-infected persons entered every day from Mexico alone in the 1990s. The disease can be transmitted four ways, but for Americans, the most worrisome is the blood supply. In the United States overall, the chance of contracting Chagas from a blood transfusion is small, one in 25,000, according to David Leiby, a research scientist at the American Red Cross in Washington. But in cities with high populations from Latin America, the numbers fall to much riskier levels. In Miami, for example, the chance is one on 9,000. In L.A., 1 in 5,400. Researchers have confirmed seven cases of people contracting Chagas through blood transfusions--five in the U.S., two in Canada--and they say the number of unknown cases is probably much higher. "A rate of one in 5,400 is something we're concerned about," says Leiby, adding that the FDA is still a few years away from a useable blood-screening test. "Chagas is overlooked by the health care system in the United States. Our physicians aren't aware of it and wouldn't recognize it in most cases." Tuberculosis, which also shows up in high rates in Mexico, is migrating north as well. Many assume a place like Cochise County, right on the border and overrun by illegals, would have a high incidence of TB. But it doesn't, says Edith Sampson, of the Cochise County Health Department. "The immigrants only pass through here on the way to Atlanta, or whatever city they're going to," she says. Exactly the problem--which is a big reason why 53 percent of the TB in the United States in 2003 was among foreign-born persons, up from 29 percent in 1993, according to the Centers for Disease Control. In L.A., again because of its huge illegal population, the figure is closer to 80 percent. Only 15,000 Americans suffer from active TB, the only dangerous kind because it can be passed to someone else, usually by coughing and expelling the bacteria from the throat or lungs. That's a small number, but the New York Academy of Sciences estimates that each victim will "infect 10 or 20 or more people--in whom the disease will likely remain latent, creating the potential time-bomb effect." The State Health Department says that Arizona had 295 reported cases of active TB in 2003, a jump from the previous year. Why the increase? More of the disease was found among kids under 5 years old and prisoners. The latter were mostly Immigration and Customs Enforcement detainees--in other words, illegals. Sixty-eight percent of Arizona's foreign-born TB cases are from Mexico, says state health. Will TB return to the United States in a big way? It hasn't yet, says Lee Reichman, executive director of the New Jersey Medical School's National Tuberculosis Center. But he adds that with globalization--the ability to get around the world in 20 hours--and because "we can't stop people from getting in to this country, no matter how hard we try," the potential exists for a new epidemic. His particular concern is with multi-drug-resistant TB, fatal in 60 percent of cases. This strain requires a long regimen of costly drugs that illegals are unlikely to take, or have access to. Arizona has a small number of MDR-TB cases, and all of them in the past five years have been among foreign-born persons. "The reason you haven't heard about TB here is that good public health is working," says Reichman. "People who are symptomatic go to physicians, and the physicians don't ask questions. As soon as you have to ID yourself, or say we're going to send you back to Mexico, these people go into hiding and spread more TB. Any physician who cares about being a physician isn't going to ask those questions, because he took an oath to treat sick people." The Copper Queen's Rush Kish says that under Medicare reimbursement guides, her hospital cannot ask patients if they are in the country illegally. But how do you bill the feds to get money back for treating illegals if you can't ask if someone is illegal? Well, you play a little Orwellian word game, probing around the issue with a list of government-approved questions, then make educated assumptions. But the illegal holds the trump card, because he can refuse to answer every question. "We don't know yet what evidence Medicare will accept when we apply for reimbursement," says Kish. "But at least we can begin documenting the enormity of this problem." The question isn't whether those with genuine emergencies should get treatment. Of course they should. In Naco, residents have no access to ER care and many would die if they didn't get to the Copper Queen. The real question is: Who pays? Rev. Tom Buechele, pastor at St. John's Episcopal Church in Bisbee, thinks it's appropriate for the federal government to keep ponying up, as long as American companies "maintain their illegal trafficking in human labor." "Until we have comprehensive immigration reform, we need to bear the health-care costs for undocumented workers, whatever those costs are," says Buechele, who, for almost a year now, has been running a free monthly clinic in Naco, Arizona, catering to the poor and uninsured on both sides of the line. Although they talk a different language, politicians, even Republicans, promote policies that further Buechele's liberal vision. They boast to constituents that they've saved border hospitals by pushing through the Medicare reimbursement plan, which provides a relatively small amount of money over four years. But that's another Hobson's choice, which is to say no choice at all. What do you do, let hospitals go under? Kyl, who pushed to get the reimbursement money, says an emphatic no. "If we want those ERs to be there for us, then we'd better keep them in business," says the Arizona senator. "If our hospitals are required by federal law to treat anybody who comes into the ER, and the federal government has failed to control the border, then it's appropriate for the government to reimburse these hospitals." But some argue that the system as it stands now, with EMTALA firmly in place, is rigged to produce two results: The federal treasury will remain wide open to illegals, and that all but guarantees that more and more of them will bust the line to get here. After all, this is the end of the rainbow for them, where jobs await, education is free, health care is free. Who wouldn't come? And the more they come, the more American health suffers--from such diseases as Chagas and TB, further cutbacks in hospital services to American citizens, and even possible closures. Where's the compassion in that? Copper Queen ER nurse Josie Mincher, herself Hispanic, puts her health, and possibly her life, on the line to treat illegals. Listen to the emotion in her voice as she describes what that's like: "I go to work every day feeling like I'm on a torture wrack. My heartstrings get pulled in one direction by these sick people I want to help. Because I'm Hispanic, I know how they live. And I'm pulled in the other direction, too, thinking that if our hospitals aren't around, where do I take my own kids? "But we have to treat them because of EMTALA. It says that anybody who comes within 250 yards of an ER gets treatment. What would happen to Safeway if the law said anyone who comes within 250 yards of the store gets free food? They'd go out of business. Well, we're a business, too." Mincher's solution? "Send the bills to Mexico. If it affected them financially, they might do something about all these people coming across. My grandparents came here legally, and it took a long time and a lot of money. They respected the law. These people just walk across now. They weren't brought up the same way." Burns at UMC says he wants the U.S. and Mexican governments to work together to find a solution. But, as Kyl cautions, don't expect any breakthrough soon. Mexico benefits far too much from our illegal immigration nightmare--in jobs for its citizens and cash sent home--to step up with money to care for its own people. Until the border brought under control and the invasion stopped, we'll continue to pay the bills of people who illegally tiptoed across the line in the dead of night. This is an article from the Arizona Repuiblic newspaper, NOT something i "made up"!!!! If you don't believe me, LOOK IT UP FOR YOURSELF!!! It's on-line, if you look under Copper Queen hospital!!! And for those of you that can not take the time to READ this article, i can SEE why you are so UNINFORMED on this issue!!!!!!!!!!!!!1
Which canidate do you like? Canidate A 1)is a strong supporter of home schooling, school choice and vouchers. As president he would create a national test voucher program. His legislative record hasn’t been well received by the National Education Association. 2)He’s called unions’ monopolies and says workers shouldn’t be compelled to join them. To help stimulate the economy McCain would cut taxes on the middle class and small businesses. 3)would improve health care by making health care more affordable and to give every American family a $5,000 refundable tax credit to be used anyplace in America to buy health insurance. 4)admits he didn’t read the national intelligence reports that said it was possible Iraq didn’t have weapons of mass destruction. Or Canidate B (see additional details) 1)introduced in the United States Senate was to raise the maximum a student could receive via a Pell Grant. For younger children **** **** says, “No Child Left Behind is woefully under funded. If elected he said he would create incentives that would assist in hiring one million teachers over the next ten years. 2)Senator **** **** has supported a number of pro-union and minimum wage increase initiatives. He believes balancing the United State’s budget, repealing tax increases that favored high-income earners and corporations would be the best way to put the countries financial house back into order. 3)has the least amount of legislative accomplishment in health care and health care reform. Diggty dam f-word. I'm sorry second poster.
Obama or Clinton? Read these carefully and give your vote for the best person who can lead us.? ON ABORTION OBAMA Opposes any constitutional amendment to overturn the Supreme Court's decision in Roe v Wade. Disagreed with Supreme Court ruling to uphold the "Partial Birth Abortion Ban Act." Did not cast a vote on Prohibiting Funds for Groups that Perform Abortions amendment in 2007. CLINTON Will sign into law the Freedom of Choice Act, which would codify Roe v. Wade into federal law. Would overturn the "global gag rule," which prohibits Non-Governmental Organizations (NGOs) from talking about abortion in the event of an unplanned pregnancy. Voted against the Prohibit Partial Birth Abortion bill in 2003. Did not cast a vote on Prohibiting Funds for Groups that Perform Abortions amendment in 2007. Disagreed with Supreme Court ruling to uphold the "Partial Birth Abortion Ban Act." -ON ECONOMIC STIMULUS OBAMA Would pump $75 billion into the economy via tax cuts and direct spending targeted to working families, seniors, homeowners and the unemployed. The plan also includes $45 billion in reserves that can be injected into the economy quickly in the future if the economy continues to deteriorate. Would provide an immediate $250 tax cut for workers and their families and an immediate, temporary $250 bonus to seniors in their Social Security checks. Would provide an additional $250 tax cut to workers and an additional $250 to seniors if the economy continues to worsen. Would extend and expand unemployment insurance CLINTON Would establish a $30 billion emergency housing fund to assist states and cities mitigate the effects of mounting foreclosures. Would also include a 90-day moratorium on subprime foreclosures and an automatic rate freeze on subprime mortgages of at least five years. Would provide $25 billion in emergency energy assistance for families facing skyrocketing heating bills. Would invest $10 billion in extending and broadening unemployment insurance for those who are struggling to find work. Would accelerate $5 billion in energy efficiency and alternative energy investments to jump-start green-collar job growth. -EDUCATION OBAMA Would reform No Child Left Behind, ensuring access to high-quality early childhood education programs and child care opportunities, recruit well-qualified and reward expert, accomplished teachers. Make science and math education a national priority. Reduce the high school dropout rate and empower parents to raise healthy and successful children by taking a greater role in their child's education at home and at school. CLINTON Would end No Child Left Behind. Promote early childhood education, including nurse home visitation programs for new parents, quality child care and Head Start and pre-kindergarten for all 4-year-olds. Improve K-12 system by meeting funding promises of IDEA. Recruit outstanding teachers and principals, especially in urban and rural areas. Cut minority dropout rate in half. Expand early-intervention mentoring programs. Identify at-risk youth early and provide $1 billion in intensive interventions. Create a new $3,500 college tax credit and increase the maximum Pell Grant. -ON HEALTH CARE OBAMA Would create a national health insurance program for individuals who do not have employer-provided health care and who do not qualify for other existing federal programs. Allows individuals to choose between the new public insurance program or from among private insurance plans that meet certain coverage standards. Requires employers who do not provide health coverage for employees to pay into the national health insurance program. Does not mandate individual coverage for all Americans, but requires coverage for all children. Allows individuals below age 25 to be covered through their parents' plans. Cost estimated between $50 billion and $65 billion, to be paid for by eliminating Bush tax cuts for those earning over $250,000. CLINTON Mandates individual health insurance coverage for all Americans. Offers federal subsidies for those who cannot afford it. Allows individuals to choose from among several private plans also offered to members of Congress, as well as a new public insurance plan modeled after Medicare. Requires insurance companies to offer coverage to anyone who applies, and bars insurance companies from charging higher premiums to those with pre-existing conditions. Requires large businesses to provide or help pay for employee coverage. Expands Medicaid and federal children's health care programs. Offers tax credits to limit health care premiums to a certain percentage a family's income. Cost estimated at $110 billion annually, to be paid for by eliminating the Bush tax cuts for those earning over $250,000, as well as by reducing waste and inefficiencies in the current system. Also limits the amount employers can exclude from taxes for health care benefits for those making over $250,000 -ON IMMIGRATION OBAMA Supported Bush-backed immigration reform legislation, which would have increased funding and improved border security technology, improved enforcement of existing laws, and provided a legal path to citizenship for some illegal immigrants. Voted to authorize construction of a 700-mile fence along the U.S.-Mexican border CLINTON Supported Bush-backed immigration reform legislation, which would have increased funding and improved border security technology, improved enforcement of existing laws, and provided a legal path to citizenship for some illegal immigrants. Voted to authorize construction of a 700-mile fence along the U.S.-Mexican border. -ON IRAQ OBAMA Opposed use of military force in Iraq. Voted for war spending bill that would have withdrawn most U.S. troops by March 2008. Supports phased redeployment of U.S. troops. Opposed Bush's plan to send additional troops to Iraq. Had once called for troop withdrawal to begin by the end of 2006 CLINTON Voted for use of military force in Iraq, but now says she would have voted differently "if we knew then what we know now." Supports de-authorizing the war. Voted for war spending bill that would have withdrawn most U.S. troops by March 2008. Opposed Bush plan to increase the number of American troops in Iraq. Supports a phased redeployment -ON SOCIAL SECURITY OBAMA Strongly opposed to privatizing Social Security. Believes that the first place to look for ways to strengthen Social Security is the payroll tax system. Currently, the Social Security payroll tax applies to only the first $97,500 a worker earns; Obama supports increasing the maximum amount of earnings covered by Social Security. Would work with Congress to choose a payroll tax reform package that will keep Social Security solvent for at least the next half century. CLINTON Opposes all efforts to privatize Social Security. Has stated her plan for Social Security is fiscal responsibility first, and then deal with any long-term challenges. Would support the creation of a bipartisan commission. i hope this helps you a lot. Good day! 1 minute ago - Edit - Delete
Why do I have to pay two deductibles? My car was parked in the street just short of our driveway. My wife came home and as she was pulling into our driveway she turned to sharp and hit the front left of my car and scrapped the entire passenger side of her car. Now both cars are damaged, so we filed a claim. American Family Ins. is telling me I have to pay deductibles for