Young down by boardwalk for benefit show

NEW YORK (AP) — Neil Young says he couldn't see performing in the area devastated by Superstorm Sandy without doing something to help people who were affected by it.

Young and his longtime backing band, Crazy Horse, will be in Atlantic City for a benefit concert Thursday. He said he hopes to raise several hundred thousand dollars for the American Red Cross' storm relief effort with the show at the Borgata Hotel Casino & Spa.

Young is on tour in the area, playing Monday in Brooklyn and Tuesday in Bridgeport, Conn.

He said in an interview Sunday that fans in the area had been supporting him for 40 years and he wanted to do what he could to help.

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Opinion: A Health Insurance Detective Story

I’VE had a long career as a business journalist, beginning at Forbes and including eight years as the editor of Money, a personal finance magazine. But I’ve never faced a more confounding reporting challenge than the one I’m engaged in now: What will I pay next year for the pill that controls my blood cancer?

After making more than 70 phone calls to 16 organizations over the past few weeks, I’m still not totally sure what I will owe for my Revlimid, a derivative of thalidomide that is keeping my multiple myeloma in check. The drug is extremely expensive — about $11,000 retail for a four-week supply, $132,000 a year, $524 a pill. Time Warner, my former employer, has covered me for years under its Supplementary Medicare Program, a plan for retirees that included a special Writers Guild benefit capping my out-of-pocket prescription costs at $1,000 a year. That out-of-pocket limit is scheduled to expire on Jan. 1. So what will my Revlimid cost me next year?

The answers I got ranged from $20 a month to $17,000 a year. One of the first people I phoned said that no matter what I heard, I wouldn’t know the cost until I filed a claim in January. Seventy phone calls later, that may still be the most reliable thing anyone has told me.

Like around 47 million other Medicare beneficiaries, I have until this Friday, Dec. 7, when open enrollment ends, to choose my 2013 Medicare coverage, either through traditional Medicare or a private insurer, as well as my drug coverage — or I will risk all sorts of complications and potential late penalties.

But if a seasoned personal-finance journalist can’t get a straight answer to a simple question, what chance do most people have of picking the right health insurance option?

A study published in the journal Health Affairs in October estimated that a mere 5.2 percent of Medicare Part D beneficiaries chose the cheapest coverage that met their needs. All in all, consumers appear to be wasting roughly $11 billion a year on their Part D coverage, partly, I think, because they don’t get reliable answers to straightforward questions.

Here’s a snapshot of my surreal experience:

NOV. 7 A packet from Time Warner informs me that the company’s new 2013 Retiree Health Care Plan has “no out-of-pocket limit on your expenses.” But Erin, the person who answers at the company’s Benefits Service Center, tells me that the new plan will have “no practical effect” on me. What about the $1,000-a-year cap on drug costs? Is that really being eliminated? “Yes,” she says, “there’s no limit on out-of-pocket expenses in 2013.” I tell her I think that could have a major effect on me.

Next I talk to David at CVS/Caremark, Time Warner’s new drug insurance provider. He thinks my out-of-pocket cost for Revlimid next year will be $6,900. He says, “I know I’m scaring you.”

I call back Erin at Time Warner. She mentions something about $10,000 and says she’ll get an estimate for me in two business days.

NOV. 8 I phone Medicare. Jay says that if I switch to Medicare’s Part D prescription coverage, with a new provider, Revlimid’s cost will drive me into Medicare’s “catastrophic coverage.” I’d pay $2,819 the first month, and 5 percent of the cost of the drug thereafter — $563 a month or maybe $561. Anyway, roughly $9,000 for the year. Jay says AARP’s Part D plan may be a good option.

NOV. 9 Erin at Time Warner tells me that the company’s policy bundles United Healthcare medical coverage with CVS/Caremark’s drug coverage. I can’t accept the medical plan and cherry-pick prescription coverage elsewhere. It’s take it or leave it. Then she puts CVS’s Michele on the line to get me a Revlimid quote. Michele says Time Warner hasn’t transferred my insurance information. She can’t give me a quote without it. Erin says she will not call me with an update. I’ll have to call her.

My oncologist’s assistant steers me to Celgene, Revlimid’s manufacturer. Jennifer in “patient support” says premium assistance grants can cut the cost of Revlimid to $20 or $30 a month. She says, “You’re going to be O.K.” If my income is low enough to qualify for assistance.

NOV. 12 I try CVS again. Christine says my insurance records still have not been transferred, but she thinks my Revlimid might cost $17,000 a year.

Adriana at Medicare warns me that AARP and other Part D providers will require “prior authorization” to cover my Revlimid, so it’s probably best to stick with Time Warner no matter what the cost.

But Brooke at AARP insists that I don’t need prior authorization for my Revlimid, and so does her supervisor Brian — until he spots a footnote. Then he assures me that it will be easy to get prior authorization. All I need is a doctor’s note. My out-of-pocket cost for 2013: roughly $7,000.

NOV. 13 Linda at CVS says her company still doesn’t have my file, but from what she can see about Time Warner’s insurance plans my cost will be $60 a month — $720 for the year.

CVS assigns my case to Rebecca. She says she’s “sure all will be fine.” Well, “pretty sure.” She’s excited. She’s been with the company only a few months. This will be her first quote.

NOV. 14 Giddens at Time Warner puts in an “emergency update request” to get my files transferred to CVS.

Frank Lalli is an editorial consultant on retirement issues and a former senior executive editor at Time Warner’s Time Inc.

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When home security salesman comes knocking, beware

Door-to-door sellers of home alarm systems are required by the state to have passed a criminal background check and have been licensed by the Bureau of Security and Investigative Services. (Robert F. Bukaty, Associated Press / December 2, 2012)

By Scott J. Wilson, Los Angeles Times

December 2, 2012

If someone comes to your door selling home security systems, be wary: They could be breaking the law and they could be trying to scam you, according to the state Department of Consumer Affairs. Key things to know:

• Anyone selling home alarm systems door-to-door in California is required to have passed a criminal background check and have been licensed by the Bureau of Security and Investigative Services. But in reality, warned the consumer agency, many sellers have done neither. Before listening to the pitch, ask to see the salesperson's state registration card.

• Beware of pressure to sign a contract immediately. Homeowners are sometimes pushed to sign overpriced alarm contracts that last for as long as five years, automatically roll over to a new term and give limited opportunity to cancel, the department said. Some contracts stipulate an early termination fee of several thousand dollars.

• In one scam, a salesperson finds a home with an alarm company sign or sticker and claims to be there to replace or upgrade the system. Or the salesperson may tell you that your company has gone out of business and he or she represents the new company. In both cases, state officials said, you will be told you must sign a new contract.

• Note that legitimate alarm companies also sometimes go door to door. "The challenge for the homeowner who answers the front door is to be certain the salesperson represents a reputable company and is not a scam artist," the department said. Call (800) 952-5210 to check whether a business or person is licensed and see whether any complaints have been filed.

• State law gives you a three-day window after signing to cancel a home security contract and get your money back. Deliver your cancellation letter in person or send it by certified mail. To lodge a complaint against an alarm company, visit http://www.bsis.ca.gov and click on "File a Complaint."

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Kansas City Chiefs player involved in shootings, police say

Police say Kansas City Chiefs linebacker Javon Belcher fatally shot his girlfriend early Saturday, then drove to Arrowhead Stadium and committed suicide in front of his coach and general manager.

Police spokesman Darin Snapp confirmed it was Belcher, a fourth-year player from West Babylon, N.Y., who played college ball at Maine. The woman's name has not yet been released.

Snapp said Belcher shot the woman at a Kansas City residence, then drove to the Chiefs facility. He thanked Chiefs general manager Scott Pioli and Romeo Crennel for all they had done for him, then shot himself.

Photos: Jovan Belcher

Authorities received a call Saturday morning from a woman who said her daughter had been shot multiple times at a residence about five miles away from the Arrowhead complex.

"When we arrived, a lady informed us that her daughter had been shot multiple times by her boyfriend, by the daughter's boyfriend," Snapp said. "She identified him as a Chiefs player."

Snapp said a call was then received from the Chiefs' facility.

"The description matched the suspect description from that other address. We kind of knew what we were dealing with," he said. The player was "holding a gun to his head" as he stood in front of the front doors of the practice facility.

"And there were Pioli and Crennel and another coach or employee was standing outside and appeared to be talking to him. It appeared they were talking to the suspect," Snapp said. "The suspect began to walk in the opposite direction of the coaches and the officers and that's when they heard the gunshot. It appears he took his own life."

The coaches told police they never felt in any danger, Snapp said.

"They said the player was actually thanking them for everything they'd done for him," he said. "They were just talking to him and he was thanking them and everything. That's when he walked away and shot himself."

Snapp described the girlfriend as in her early 20s and that she and the player had a child together. He said the woman's mother told police they had recently been arguing.

Arrowhead Stadium has been lockdown since about 8 a.m.

"We can confirm that there was an incident at Arrowhead earlier this morning," the Chiefs said in a statement. "We are cooperating with authorities in their investigation."

Kansas City is scheduled to host the Carolina Panthers on Sunday. The league has informed the Panthers to travel as scheduled because the game is going on as scheduled.

The season has been a massive disappointment for the Chiefs, who were expected to contend for the AFC West title.

They're just 1-10 and mired in an eight-game losing streak that has been marked by devastating injuries and fan upheaval, with constant calls the past few weeks for Pioli and Crennel to be fired. Things have been so bad this season that Crennel fired himself as defensive coordinator.

The Chiefs have been ravaged by injuries, led the league in turnovers, can't settle on a quarterback and are dealing with a full-fledged fan rebellion. The Twitter account for a fan group known as "Save Our Chiefs" recently surpassed 80,000 followers, about 17,000 more than the announced crowd at a recent game.

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JLo tones down concert in Indonesia

JAKARTA, Indonesia (AP) — Jennifer Lopez wowed thousands of fans in Indonesia, but they didn't see as much of her as concertgoers in other countries — the American pop star toned down both her sexy outfits and her dance moves during her show in the world's most populous Muslim country, promoters said Saturday.

Lopez's "Dance Again World Tour" was performed in the country's capital, Jakarta, on Friday in line with promises Lopez made to make her show more appropriate for the audience, said Chairi Ibrahim from Dyandra Entertainment, the concert promoter.

"JLo was very cooperative ... she respected our culture," Ibrahim said, adding that Lopez's managers also asked whether she could perform her usual sexy dance moves, but were told that "making love" moves were not appropriate for Indonesia.

"Yes, she dressed modestly ... she's still sexy, attractive and tantalizing, though," said Ira Wibowo, an Indonesian actress who was among more than 7,000 fans at the concert.

Another fan, Doddy Adityawarman, was a bit disappointed with the changes.

"She should appear just the way she is," he said, "Many local artists dress even much sexy, much worse."

Lopez changed several times during her 90-minute concert along with several dancers, who also dressed modestly without revealing their chests or cleavage.

Most Muslims in Indonesia, a secular country of 240 million people, are moderate. But a small extremist fringe has become more vocal in recent years.

They have pushed through controversial laws — including an anti-pornography bill — and have been known to attack anything perceived as blasphemous, from transvestites and bars to "deviant" religious sects.

Lady Gaga was forced to cancel her sold-out show in Indonesia in May following threats by Islamic hard-liners, who called her a "devil worshipper."

Lopez will also perform in Muslim-majority Malaysia on Sunday.

"Thank you Jakarta for an amazing night," the 43-year-old diva tweeted to her 13 million followers Saturday.

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Seeking a fix for California's gasoline market problems

California will always be at risk of gasoline price spikes caused by disruptions at refineries because it is a “fuel island,” stranded by time and distance from quick delivery of gasoline from outside the state. Without interstate pipelines, California relies primarily on maritime tankers for oil and gasoline imports, which cannot move fast enough to make up for a sudden drop in supply.

Spikes in California gasoline prices experienced in 2012 were in large part due to significant, unplanned outages at three major oil refineries. When the most recent outage occurred, in Torrance on October 1, the wholesale price for gasoline followed a pattern typical of such price spikes – rising, peaking and starting to decline within a week, fewer days than it would take a gasoline shipment to arrive at a California port.

Although the state’s clean-air requirements add to the price of gasoline, the health benefits are substantial, and studies show their value exceeds the additional cost at the pump. Furthermore, the requirements are not the primary driver of price spikes, nor do they prohibit importing gasoline from elsewhere.

In fact, refiners outside California can, and sometimes do, make gasoline that meets the state’s specifications. That said, in the wake of the recent price spike, the state eased summer-blend fuel requirements, which benefited motorists by allowing in-state refiners to immediately boost gasoline production by 3% to 5%.

But there is a larger lesson here: It’s time to think beyond the gas tank.

Instead of running on fossil fuels and driving toward empty, California needs to diversify its array of transportation fuels to include more electricity, biofuels, natural gas, propane and hydrogen.

The California Energy Commission is working to do just that as it helps the state meet ambitious climate change goals. The commission supports the development and use of new vehicle technology and alternative and renewable fuels through competitive awards of AB 118 funds — made available through legislation adopted in 2007 and funded by a small surcharge on vehicle and boat registrations and smog-check and license plate fees.

The commission has awarded more than $250 million to more than 120 clean transportation projects across the state. These awards have leveraged more than $500 million in private and public investment.

These investments support a wide range of projects, including the installation of about 6,000 electric vehicle charging stations and the rollout of hundreds of alternative fuel vehicles on the road. These investments also support the innovative development of biofuels made from algae and restaurant and agricultural waste.

The efforts are already paying off: They are reducing gasoline dependency, creating more than 5,000 long-term jobs, bolstering energy security and economic competitiveness, and reducing the risk of lung cancer and asthma for all Californians by cleaning up the air.

In the longer term, these crucial investments will lead to more options for consumers and smooth out the road to a clean transportation future for California.

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Tennis umpire Lois Goodman kisses attorney after murder case tossed

A Los Angeles County Superior Court judge Friday dismissed the murder case against professional tennis umpire Lois Goodman, who had been accused of killing her 80-year-old husband.

A prosecutor told Judge Jessica Silvers the Los Angeles County district attorney's office was "unable to proceed" at this time. The case was dismissed without prejudice, but no other details were provided.

After the hearing, Sandi Gibbons, spokeswoman for the D.A.'s office, said the case remains an ongoing police and district attorney's investigation and declined further comment that might compromise that work.

It is unclear if or when prosecutors might refile charges. Sources, who did not want to be named because the investigation is ongoing, said experts retained by authorities said the evidence in the case could show that Alan Goodman's death was an accident.

After the judge agreed to dismiss the case, Goodman turned and kissed one of her defense attorneys, Alison Triessl.

Another of her attorneys, Robert Sheahen, thanked prosecutors for fulfilling their "moral and legal" obligation.

Goodman, 70, had pleaded not guilty to attacking her husband. She said she found him dead on April 17 at their Woodland Hills home. She told authorities she came home and found a bloody trail up the stairs to their bedroom. She believed he had fallen, then made his way to bed.

Defense attorneys have been critical of the investigation -- or lack of one. No coroner's investigator or homicide detective visited the Woodland Hills home before the body was released to the mortuary.

It wasn't until three days later, on the eve of Alan Goodman's cremation, that a coroner's investigator, sent to the mortuary to sign the death certificate, noted "deep penetrating blunt force trauma" on his head and ears. Those observations launched the homicide investigation.

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Study: DVRs now in half of US pay-TV homes

NEW YORK (AP) — A new survey finds that digital video recorders are now in more than half of all U.S. homes that subscribe to cable or satellite TV services.

Leichtman Research Group‘s survey of 1,300 households found that 52 percent of the ones that have pay-TV service also have a DVR. That translates to about 45 percent of all households and is up from 13.5 percent of all households surveyed five years ago by another firm, Nielsen.

The first DVRs came out in 1999, from TiVo Inc. and ReplayTV. Later, they were built into cable set-top boxes. The latest trend is “whole-home” DVRs that can distribute recorded shows to several sets.

Even with the spread of DVRs, live TV rules. Nielsen found last year that DVRs accounted for 8 percent of TV watching.

Gadgets News Headlines – Yahoo! News

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MacFarlane surprises UCLA class, announces contest

LOS ANGELES (AP) — Oscar host Seth MacFarlane is inviting college students to join him on stage at the Academy Awards.

The "Family Guy" creator made a surprise appearance at UCLA to announce a contest sponsored by the Academy of Motion Picture Arts and Sciences and mtvU that will allow winning college students to appear on the Feb. 24 Oscar telecast.

The contest invites students to submit videos on the academy's Facebook page describing how they'll contribute to the future of film. At least six winners will serve as trophy carriers on the Oscar show, replacing the leggy models who usually perform the duties.

MacFarlane spent 40 minutes leading the undergraduate film and television class at UCLA's Westwood campus on Wednesday as part of mtvU's "Stand In" series, which brings celebrities to college classrooms as guest lecturers.

"In re-imagining what we want the Oscar show to be, we wanted everyone appearing on that stage to feel a deep commitment to film and its legacy, and most importantly, its future," said Oscar telecast producers Craig Zadan and Neil Meron in a statement. "That was the impetus in creating this special honor for young film students who will inspire a new generation to create the films that will be honored in the future."

The contest is also aimed at drawing younger viewers favored by advertisers to the Oscars' aging TV audience. Like UCLA student Abby Smith, who immediately pulled out her smartphone to share the moment on Facebook when MacFarlane appeared before her class.

"Seth MacFarlane is speaking to my film lecture for the next hour," Smith posted. "I'm having a panic attack."

The 39-year-old entertainer urged the aspiring filmmakers and show-runners in the class to make a "commercially viable student film" before leaving school, adding that "Family Guy" was based on his own student film.

And MacFarlane said "Family Guy" could once again become a film. He said he's already come up with a concept for a feature-length movie and promised "it will happen at some point."

MacFarlane cheekily described the Academy Awards as "a crazy little variety show" and said "all I can do is do what I think is funny and most entertaining."

"The Oscars is a tricky venue," he said. "The (hosts) who have not done well, I would classify them as a noble failure, an honorable failure, because at least they were trying something new... If I can do it without torpedoing my career and getting drummed out of the business... All I can do is my very best."

He paused a beat, and added, "Lame (expletive) answer."

___

AP Entertainment Writer Sandy Cohen is on Twitter: www.twitter.com/APSandy.

___

Online:

http://www.facebook.com/TheAcademy/app_436081253118204

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Stocks flat; consumer spending falls

Stocks are little changed in morning trading Friday as lawmakers seek to thrash out a budget agreement. The government also reported that consumer spending fell in October.

The Dow Jones industrial average rose six points to 13,028 as of 11:13 a.m. Eastern. The Standard and Poor's 500 was down 0.4 points to 1,415. The Nasdaq composite was down five points to 3,007.

Stocks are slightly higher for the week. The Dow is up 0.2 percent, the S&P 500 index 0.4 percent. The market has fluctuated between gains and losses in recent days as news and comments filtered out from the budget negotiations in Washington.

Investors have been closely following the talks between the White House and Congress over the “fiscal cliff,” which refers to sharp government spending cuts and tax increases scheduled to start Jan. 1 unless an agreement is reached to cut the budget deficit. Economists say that those measures, if implemented, could push the U.S. economy back into a recession.

“Right now the market is just going to be held hostage as to what happens in the next five hours, versus what's going to happen in the next five years,” said Dan Veru, chief investment officer at Palisade Capital Management, in Fort Lee, New Jersey.

Americans cut back on spending last month and saw no growth in their income, reflecting disruption from Superstorm Sandy that could hold back economic growth in the final months of the year.

The Commerce Department reported that consumer spending dropped 0.2 percent in October. That's down from an increase of 0.8 percent in September and the weakest showing since May.

Among stocks making big moves:

—Yum Brands, which owns KFC, Pizza Hut and Taco Bell, fell $6.90 to $67.58. The fast-food operator reported disappointing sales and earnings forecasts. An analyst recommended that investors sell the stock.

—Zynga, the maker of computer games including “Farmville” and “Cityville,” fell 17 cents to $2.45 after the company said late Thursday that it was loosening its relationship with Facebook.

—VerSign plunged $5.50 to $33.83 after the company announced the terms of its new contract to run the key directories that keep track of “.com” domain names. The company won't be allowed to raise prices on the registration of such names without government approval.

—Duke Energy rose $1.10 to $63.49 after the company said its CEO will step down as part of a settlement with the North Carolina utilities regulator that ends an investigation into the company's takeover of in-state rival Progress Energy.

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