Roy Thung, Chief Executive Officer, commented, "Our operating income was adversely impacted by unexpectedly large health claims and unusually large legal and other expenses in connection with employment matters and the closing of a branch office. As a result of recessionary pressures and tighter underwriting guidelines, our premiums have decreased 6.0% for the first six months of 2009 compared to the first six months of 2008. In response to the decrease in premiums, we have initiated significant cost reductions in the fully insured division, which will be largely realized beginning in 2010." Mr. Thung continued, "Even in the escort in shanghai current challenging economy, our financial condition remains strong. Our insurance companies' statutory surplus at June 30, 2009 is at an all-time high. The Company recorded an increase in book value per share to $12.70 at June 30, 2009 from $10.56 at December 31, 2008, primarily as a result of a reduction in unrealized losses due to mark-to-market accounting on our available-for-sale securities. The adjusted book value per share(2) was $14.49 at June 30, 2009. Independence Holding Company (NYSE:IHC) today reported 2009 second-quarter and six months results. This press release contains both GAAP and non-GAAP financial information for which reconciliations can be found at the end of this release.

Financial Results zdqrypj0825 Net income (loss) per share from continuing operations attributable to IHC increased to $.13 per share, diluted, or $1,976,000, for the three months ended June 30, 2009 compared to $(.43) per share, diluted, or $(6,693,000), for the three months ended June 30, 2008. Included in the prior year's net loss is a realized loss for other than temporary impairments in preferred stocks of $(11,145,000) or $(.72) per share, diluted, net of tax, which (net of gains) yielded a net realized loss of $(9,764,000) or $(.63) per share, diluted, net of tax. Net income (loss) per share from continuing operations attributable to IHC increased to $.35 per share, diluted, or $5,332,000, for the six months ended June 30, 2009 compared to $(.24) per share, diluted, or $(3,621,000), for the six months ended June 30, 2008. Included in the prior year's net loss for the six months is a realized loss for other than temporary impairments in preferred stocks of $(11,197,000) or $(.73) per share, diluted, net of tax, which (net of gains) yielded a net realized loss of $(9,785,000) or $(.64) per share, diluted, net of tax.

IHC reported operating income(1) per share of $.08 per share, escort in shanghai diluted, or $1,162,000, for the three months ended June 30, 2009, compared to $.20 per share, diluted, or $3,071,000, for the three months ended June 30, 2008. IHC reported operating income per share of $.23 per share, diluted, or $3,565,000, for the six months ended June 30, 2009, compared to $.40 per share, diluted, or $6,164,000, for the six months ended June 30, 2008. Revenues increased 13% to $100,599,000 for the three months ended June 30, 2009, compared to revenues for the three months ended June 30, 2008 of $89,318,000. Revenues increased 3% to $199,970,000 for the six months ended June 30, 2009, compared to revenues for the six months ended June 30, 2008 of $193,736,000. Chief Executive Officer's Comments

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We would have loved to stay in the program, no question," he said. "The return of contribution benefit was certainly one we enjoyed and helped us in the process of raising money for athletics annually." Lois Wishmeyer and her husband, Dean, of Cedar Falls, participated in the program for more than 10 years. "We thought that was a great benefit along with escort in shanghai helping to provide scholarship money for athletes," Lois Wishmeyer said. "It wasn't the only reason we gave, but was a great selling point, and I know it attracted a lot of people into giving." Atkinson, a retired Swiss Valley Farms sales manager, asked the university for a refund in April, but school officials rejected the request. The University of Northern Iowa has ended a program that allowed athletic scholarship donors to get escort insurance equal to their donation. The Des Moines Sunday Register reported that nearly 1,700 contributors lost an estimated $6.8 million in benefits.

Donors to the Panther Scholarship Club received a matching amount credited as an insurance death benefit under a contract with Fidelity escort escort Insurance. One donor, Stanley Atkinson, accumulated more than $14,000 in benefits. zdqrypj0825 When a donor died, survivors would be paid the accumulated amount and Fidelity would pay 10 percent of the amount as a final contribution in the donor's name. Atkinson and his wife, Jean, believe the money they accumulated in the program has been stolen. "The UNI Foundation hasn't taken money away from Jean and I, but they have taken it away from my children and grandchildren and I am not happy about it," he said. The program, which ran from 1982 until December 2008, was ended after it was discovered it violated federal tax laws. The donors and the university could end up owing the federal government back taxes. It's unknown how much each individual donor may have to pay, but documents show the university could be responsible for up to $170,000 in back taxes. The tax laws changed in 1999, leaving some to wonder why the university didn't know about the new rules sooner. Associate Athletics Director Steve Gearhart said he doesn't have an answer to that question. "I am not a tax attorney or a tax expert," he said. "We were made escort in shanghai aware of it when we began a thorough review with outside sources to look at this program, and that is what was brought to our attention." Gearhart said he has advised donors to consult with their tax advisers about whether they owe any taxes on the money. He also said the university is consulting with outside advisers about the amount it might owe. Tom Schellhardt, a vice president of administration at Northern Iowa, said the university is responsible for the mistake but that "it is also a situation that you had a long-standing program that no one ever questioned or thought had problems." Gearhart said the university wishes the program could continue.

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It took a while for the reactionaries' waterboy from Wisconsin and his terror tactics to be shamed, but even when McCarthy was held modestly accountable, the Senate vote to censure him was opposed by 22 -- TWENTY-TWO -- Senators, Republicans each and all. It is now abundantly well documented how this first "Joe" is the spiritual wet escort to a certain confused plumber who shares the name, and a snarly host of others including the sycophant Joe who shills for America's second-favorite stimulant on weekday mornings (along with our most-favored drug: adrenalin.) Not coincidentally, numbers for all of them grow along with profits for the entire anti-health industry that continues to buy political favors, indifferent to party labels. Heavily funded escort shanghai "astroturf" groups add to the noise, confusion, disinformation and distortions.

The Bigger the Lie the better. These propagandists care not a whit that the vast majority of the rest of us are suffering the results of what Robert Kuttner aptly described as Everything For Sale and more recently Thomas Frank diligently outed in his reportage of the net result of their minions in The Wrecking Crew. My horror grows ever greater as I follow the dark places that current, extraordinarily well-funded business interests are merrily plumbing, intent on again having their way with us. While rape, pillage and plunder -- the effects of the current industrial-model, profit-based health administration not-system -- are far from new, they do not improve with age. What we are witnessing is what they have done for decades

zdqrypj0824 As a matter of well-documented fact, the United States has a long and dishonorable history of facile and masterful exploitation of our most vulnerable individuals. The susceptible get stirred up, then cuddle up to their worst fears, grow and cherish their fullblown paranoia. Yes, the rampant mania we're all witnessing under the cover of August "dog-days" does appear to me to be a misanthropic Hobbesian Leviathan on steroids and the farthest side of sanity. But that is hardly the beginning or the end of it. Be ready.

We do well to remember that America has had more than our fair share of lunacy hovering around the endeavors of our better angels. If you can find a history textbook not distorted, tainted and/or sanitized by the Texas Board of Education and other hard-rightists, you'll find the stories of legions of the disaffected and heavy-hearted arriving here from our first moments on. Dissidents, malcontents, criminals (remember I live in Georgia,) religious zealots, latter-born sons powerless in the face of primogenitor and just plain folks desperate enough to try to start all over. European diseases had emptied much of the continent of earlier escort shanghai peoples; slavery dulled the entire culture to exploitation; we became expert at xenophobia; flourished by taking what we wanted from those who could not defend themselves -- most workers, all women, too many children -- until the Labor and Progressive movements, one mighty persuasive Depression and a long climb out of its depths and into world war effected changes that opened the way for a genuine middle class. Alas, reactionaries know how potent demonizing The Other is so they created one. Senator Joseph McCarthy and the Dulles brothers delivered on the fear by the bucket-full and an exhausted, distracted post-war America bought it. Whatever your opinion of the Cold War, one thing is indisputable -- it was astronomically profitable to those Eisenhower clearly warned us about.

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, I'm nice. I called back to tell him he'd reached the wrong number. (OK, the devil made me do what came next.) When he answered, I asked for him by name, dropping the "Dr." part. He shot back 'DR. Somebody!' Then he continued, "Who are you? Who are you with?? And what took you so long to return my call???" As politely as I could manage, I repeated, "I believe you have called the wrong number, sir ... who are YOU and who are YOU with?" Now he shouted at me, "I AM DR. SOMEBODY and I am CEO escort in shanghai of SOMEBODY, INC!" I graciously matched him rank-for-rank. I said, again, that I was extending to him a courtesy in returning his erroneous call, and even managed to laugh at the absurdity of it all as he hurtled the best insult he could manage -- he was taking me off his list! -- and slammed down his phone. I did not "win." But I did feel I'd made my mark for civility. 'Sides. He WAS a "doctor."

This is not how people in a civil -- as in "civilized" and "civilization" -- society govern themselves. It's also not how decent human beings should talk to each other. This IS how the schoolyard bully gets away with abuse. This is how the Aetnas and erroneous collection agencies and the Rush -- Gingrichs prevail. They corrode the private square as surely as they are doing in the public one, advancing the predation of their masters. This dark, stark and,yes, sinister 300 years of baggage rebounds every time those of us vested by our Founders with sovereignty let down our guard. We woke up long enough to get Obama to the White House, but that was the beginning, not the end. In spite of the painful current reality foisted on us by out-of-control pseudo-free-marketeers, we're still in the deadly grip of profit-über alles. Shame on us. It's hardly news that a well-oiled machine is intensely focused on derailing long overdue reforms to our deeply flawed delivery system, a bloated monstrosity that administers over-priced, under-performing services. OF COURSE the "town halls" we are seeing covered by media outlets as if they were genuine news events are fake, the false-fears shouted manufactured.

zdqrypj0824 However, the deluded individuals who've swallowed whole the lies are real enough. The same arrogance and abuse that is now loosed into the public policy sphere is now countenanced in even the most ordinary day-to-day exchanges. The Republicans' decades-long and shocking destruction of a civil and civic society leaves us with challenges at every turn. Democrats' complicity is one of those challenges. Challenges, yes. Intractable, no. Hard? You bet. Worth the effort? Absolutely. To paraphrase the exemplary Bo Lozoff, if escort in shanghai we're going to make the drastic changes that decency and democracy require, it will take practice. So in addition to being a "regular" in my Senators' and Representative's in-boxes, voice-mail and offices, I'm taking my own advice to heart in even the little stuff. Example one: Yesterday afternoon, I returned to my office to a curt, booming and unfamiliar voice, a message from "Dr. Somebody Something". He demanded that I call back. Immediately. Now we gets lots of calls for companies with names similar to ours, so the mistake was no surprise, but his tone was.

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heat nor the overcrowding," she recounted. shanghai escort girls "It is not for the infections that come along with the work - I have had scabies twice, malaria once, giardia countless times, and ciguatera poisoning..." Upon further reflection, Kyra said, "I think what keeps me going back is the mere fact that I've seen the misery of these people... the struggle they must fight to merely stay alive, the practical problems of existence and the hardships they go through each and every day without exception. I see their pain. I feel their pain. I am compelled to react," she said, personally summarizing her call to nursing.

"I've seen four newborn babies die from neonatal tetanus because their umbilical cords were cut with dirty tools and because their mothers had no access to the tetanus vaccine. I have seen babies whose ears, noses or toes have been nibbled off by rats. I have cared for severely burned children who scream in agony as their dressings are changed without the luxury of any pain medication whatsoever," she recalled. ypjzdqr0811 Pediatric burn injuries are prevalent on the island - with a lack of electricity, dangerous open fires and hot cauldrons for food preparation, as well as kerosene lanterns and candles inside the small homes are the norm. Canadian Kyra Abbott, BScN, RN, grew up in the small town of Perth, Ontario, and now makes her home in the city of Ottawa. And while this Magna CumLaude graduate of the University of Ottawa could have opted for any number of relatively comfortable nursing opportunities, she chose to spend more than 4 years living and working in Haiti. Kyra Abbott, BSN, RN, with coworkers at Saint Damien Pediatric Hospital, Port-au-Prince, Haiti.

That's where her nursing education - the non-degreed, eye-opening variety - expanded into that realm of compassion that cannot be taught in textbooks. Why would an RN go to an under-resourced shanghai escort girls country like Haiti to practice a profession already rife with physical and mental challenges? "Well, it certainly wasn't for the cold showers and lack of escort water in general," explained Kyra speaking before a church congregation. "It wasn't for the large cockroaches or spiders in my bedroom and sometimes in my bed... or for the enormous rats that come out at night. It wasn't for the staple diet of rice and beans or for the stench and filthiness of the streets. It was not for the toxic air pollution from old diesel vehicles, nor for the lack of electricity or the insecurity and corruption. 


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