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Hi There, and thank you for your interest in the Bandon Golf Villa. It is a truly beautiful and low cost vacation villa located along Southern Oregon’s majestic Pacific Coast. Whether you are planning to visit one of Bandon’s world renowned golf courses, tour one of the area’s top wineries or just hit the beach, Bandon Golf Villa is the place to stay for high end accommodations at affordable prices. Bandon Golf Villa was designed for groups of four to eight people. Bandon Golf Villa which is 3200 square feet resides on two secluded wooded acres. There are eight queen sized beds in the four master bedroom suites. Each bedroom has it’s own spa bath. Gather with you entire party in the huge dining and living spaces. There’s all kinds of room around the fireplace, or you can kick back and watch the giant plasma TV. For the game lovers, there’s a separate billiard room with a built-in-bar. Prepare your meals yourself in the gourmet kitchen, or hire our chef to do the cooking for you. Later on in the night, spend a little time stargazing on the patio, or keep the golf game going on our 800 square foot putting green! Private and comfortable, Bandon Golf Villa is truly the perfect spot to relax after a long day on the golf course, or the beach.

Let’s talk about a couple opportunities here: 1) Return to Bandon to play the new Old MacDonald Course set to open June 2010. Book your reservation before December 31, 2009 and receive a 30% discount off of our peak-season lodging rate. (0 per night versus 00 per night). 2) Lodging/Catered Dinner package aE” Book 3+ nights on or before December 31st, 2009 for any stay through December 31, 2010 and receive a $500 voucher to be applied toward a catered dinner from highly acclaimed Bandon Grill. I would encourage anyone that is interested in the ultimate luxury Bandon Dunes Golf vacation to visit our website at BandonGolfVilla.com or call Mike Carlson directly at 503-972-7840 We hope to see you there in either 2009 or 2010. Remember the new Old MacDonald course (#4 at the resort) is planned to open in June of 2010 aE” a ten hole early peak at the new course can be booked starting in April of 2010.

Article Source: sooperarticles.com/sports-articles/golf-articles/bandon-golf-bandon-dunes-golf-resort-bandon-dunes-golf-bandon-dunes-lodging-24697.html

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bandongolfvilla.comAuthor: Joe Herzog

Submitted by: Dennis Jarvis

When we first learned that the Federal Poverty Level or FPL would tie in directly to how much California health insurance would cost, we had only an inkling of what the numbers were. Many people have no idea what the Federal Poverty Levels are but that’s about to change with the advent of the Health Exchange in 2014. These rates will have a significant effect on the availability of health insurance subsidies and therefore cost. The difference in cost will be night and day. Let’s take a look at the numbers and how they figure into your expected costs.

What are the Federal Poverty Numbers

First of all, as is evident by the name, they are Federally designated which is interesting since there can be such divergence in cost and resulting incomes from say Los Angeles to Boise Idaho. The FPL is used to established eligibility for many federal and State programs including Medicaid (Medi-Cal in California), food stamps, and other social safety nets. The FPL figures heavily into the new Health Reform bill on two main fronts, both of which directly affect how much an individual of family will pay out of pocket for both health insurance premiums and actual out of pocket expenses. Before we get into the actual Poverty numbers, let’s look at how the two pieces will work.

Subsidies for premium based up to 400% of FPL

If you make under 400% of the FPL for a given year (there will actually be a look back period), you can expect to receive a immediate subsidy towards the monthly Individual or Family health insurance premium. This subsidy will come right off the top although you may need to reimburse the amount at tax time if you made over the 400%. Below 100%, a person will receive free or fully paid Medi-Cal so the real subsidy window is from 100% and 400% of the Federal Poverty Level. Keep in mind that these are California requirements and levels. This is how the subsidy will work…if you make under 400% of poverty, You will not be required to pay more than 9.5% of your income towards health premiums. If you make 401% above poverty, no subsidy. It’s a clean distinction. So that’s subsidy, what about medical bill out of pocket?

Federal Poverty Level effect on California health plan benefits

The State just released the final California essential benefit summaries and there’s an interesting twist. The Silver health plan has different levels of benefits based on FPL. For example, if you make between 100%-150% of the FPL, you’ll have much richer benefits than if you make between 150%-200% of the FPL. 200-250% of the FPL provides yet another plan benefit (less rich than the prior). If you make over 250% of the FPL, you will have the standard Silver health plan but with subsidies towards the premium. Below 250%, you receive both premium subsidies and richer benefits. Between 250% and 400%, you receive only premium subsidies. Above 400% of the Federal Poverty Level, you’ll receive a very high monthly premium. It will be interesting to see what the last group does as they make up a bulk of the current private individual and family health market. Keep in mind that the subsidies are for Individual and Family. Subsidies are not available for the group health insurance market in California (company sponsored health plans).

2013 Federal Poverty Guidelines available at http://www.calhealth.net/Federal_Poverty_Level_and_California_health_insurance.html

About the Author: Dennis Jarvis is a licensed agent for

Health insurance in California

with extensive knowledge of the Individual California health market. More info on the

Federal Poverty Level and California

health insurance.

Source:

isnare.com

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