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Monday, November 23, 2015
Mass. Appellate Court Reinstates Legal Malpractice Verdict Following Flawed Medicaid-Planning Advice
In October 2015, the Massachusetts Court of Appeals addressed the question of whether there were damages flowing from a lawyer's Medicaid advice to an older couple. The lawyer had counseled that, for Medicaid planning reasons, the couple should not retain a life estate in a house purchased with their money but held in the name of their adult children. The court found the surviving mother suffered real damages, even if eviction from the house by her children was unlikely. Key allegations included:
Thirteen years later, in July of 2007, the Brissettes [the parents] and two of their four children, Paul Brissette and Cynthia Parenteau, met at [Attorney] Ryan's office to discuss the Brissettes' desires to sell the South Hadley home and to buy property located in Springfield. They discussed the prospect of putting the Springfield property in the names of Paul and Cynthia. Ryan told the Brissettes that if they reserved life estates in the Springfield property, they could be ineligible for Medicaid if they applied any time within five years of getting the life estates. He also told them that if they took life estates in the Springfield property, there could be a Medicaid lien against that property when they died. There was evidence that the Brissettes asked about "protection," but Ryan told them that he did not feel that the Brissettes needed protection because they could trust their children to do what they wanted them to do. In reliance on Ryan's advice, the Brissettes decided that the Springfield property would be bought with their money but put in Paul's and Cynthia's names, and that the Brissettes would not have life estates in the Springfield house.
After her husband's death. Mrs. Brissette concluded she wished to own "her" home in her own name, but the children declined to re-convey the property to her.
During the malpractice trial, Lawyer Ryan conceded his advice about the effect of a life estate on Medicaid and/or a Medicaid lien was wrong, and expert witnesses also testified that the incorrect Medicaid advice was "below the standard of care applicable to the average qualified attorney advising clients for Medicaid planning."
November 23, 2015 in Estates and Trusts, Ethical Issues, Health Care/Long Term Care, Medicaid, State Cases, State Statutes/Regulations | Permalink | Comments (0)
Wednesday, November 18, 2015
Health Affairs Publishes Report on New Models for Long-Term Services and Supports
Coinciding with the presentation yesterday at the National Press Club in Washington, D.C., the journal Health Affairs released a report by Melissa Favreault, Howard Gleckman, and Richard W. Johnson, titled "Financing Long-Term Services And Supports: Options Reflect Trade-Offs For Older Americans And Federal Spending." Noting the history of weak buy-in for existing long-term care insurance products, the authors' study, funded by the SCAN Foundation, AARP and LeadingAge, looks to future alternatives. From the abstract:
To show how policy changes could expand insurance's role in financing these needs, we modeled several new insurance options. Specifically, we looked at a front-end-only benefit that provides coverage relatively early in the period of disability but caps benefits, a back-end benefit with no lifetime limit, and a combined comprehensive benefit. We modeled mandatory and voluntary versions of each option, and subsidized and unsubsidized versions of each voluntary option. We identified important differences among the alternatives, highlighting relevant trade-offs that policy makers can consider in evaluating proposals. If the primary goal is to significantly increase insurance coverage, the mandatory options would be more successful than the voluntary versions. If the major aim is to reduce Medicaid costs, the comprehensive and back-end mandatory options would be most beneficial.
The full article is linked here. Several related pieces are also on the Health Affairs website. Much to read and evaluate here and helpful for those planning spring Elder Law courses.
November 18, 2015 in Consumer Information, Current Affairs, Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid, Medicare | Permalink | Comments (1)
Tuesday, November 10, 2015
New York Court Addresses "Medicaid Transfer" Issue in Context of Continuing Care Community (CCRC)
On November 6, 2015 the appellate division of New York's Supreme Court addressed an issue long brewing in some states, whether Continuing Care Retirement Communities (CCRCs) can insist on "private pay" for skilled nursing care despite a resident's "eligibility" for Medicaid under state and federal laws. In Good Shepherd Village at Endwell, Inc. v. Yezzi, the unanimous panel affirmed summary judgment in favor of the CCRC on the payment question.
The decision highlights Congressional DRA action in 2005/6 that amended federal Medicaid law to expressly permit CCRCs to offer contracts that require residents to "spend on their care resources declared for the purposes of admission before applying for medical assistance." The DRA amendment was a response to the industry's lobbying efforts, following a 2004 decision by a Maryland appellate court in Oak Crest Village, Inc. v. Murphy that held such a contractual provision violated the federal Nursing Home Residents' Bill of Rights, viewed as prohibiting nursing homes from conditioning admission on guarantees of private pay.
In the New York case history, the couple apparently signed two separate documents, beginning with a "contract" at the time of their entrance into the CCRC that required them to pay both an entrance fee ($143,850) and "basic monthly fees" of approximately $2,550 to cover the cost of independent living. Any need for skilled nursing care would be assessed "an additional charge." That contract provided that residents could "not transfer assets represented as available" for less than fair market value. When the wife needed skilled care, the couple signed a second document, referred to in the case as an "admission agreement," for treatment in the CCRC's skilled nursing unit. The "admission agreement" reportedly required the Yezzis to "pay for, or arrange to have paid for by Medicaid" all services provided by the CCRC.
November 10, 2015 in Consumer Information, Estates and Trusts, Federal Statutes/Regulations, Health Care/Long Term Care, Housing, Medicaid, State Statutes/Regulations | Permalink | Comments (0)
Friday, October 9, 2015
Filial Friday: Freakonomics Asks "Should Kids Pay Back Parents for Raising Them?"
In a convergence of my teaching, research and public outreach work, this week I've found myself in several overlapping conversations about whether adult children have obligations -- moral or legal -- to care for or financially support their parents.
This week, following my Elder Law Prof Blog post recommending Hendrik Hartog's fascinating book, Someday All This Will Be Yours, which I also recommended to my Trust & Estate students, I had a nice series of virtual conversations with Dirk about his book. What a thoughtful historian he is. We were talking about his research-based observation in the book about adult children and needy parents:
Adult children were not legally bound to remain and to work for their parents. Nor were they obligated to care for the old. Adult children were, paradigmatically and legally, free individuals, "emancipated," to use the technical term. . . . Furthermore, there was little -- perhaps nothing-- to keep an uncaring or careless adult child from allowing a parent to go over the hill to the poorhouse.
I asked, "what about filial support laws?" Turns out that was a timely question because Professor Hartog had just been interviewed for a Freakonomics Radio episode, "Should Kids Pay Back Their Parent for Raising Them?" The program became publically available, via podcast or written transcript, on October 8, 2015. In the interview Professor Hartog was asked to comment on filial support laws. He said in part:
Filial responsibility statutes are very weak efforts to ensure that the young will support the old if they are needy.... They rarely are enforced. Very, very, very, very rarely. So, you know, in a sense, every time they are enforced they become a New York Times article or they become an article in the local newspapers.
Professor Hartog was speaking in large measure from the perspective of his important historical research, including review of a body of case reports from New Jersey spanning some 100 years from the mid 1880s to the mid 1900s. And based on my own historical research, I would also say that in the U.S., filial support laws have been rarely enforced, although I would characterize the enforcement as often "episodic" in nature, especially after the growth of Social Security and Medicaid benefits. But...
I think the modern story is quite different in at least one state -- Pennsylvania. Part of this difference is tied to the fact that Pennsylvania's filial support law permits enforcement by commercial third-parties, including nursing homes, as I discussed in my 2013 article on Filial Support Laws in the Modern Era. Other U.S. jurisdictions with "modern" enforcement cases are South Dakota and Puerto Rico.
Indeed, I'm speaking on October 9, 2015 at the invitation of a Bench and Bar Conference in Gettysburg, PA about "The Festering Hot Topic" of Filial Support Laws in Pennsylvania. In the presentation, I report on controversies arising from recent, aggressive collection efforts by law firms representing nursing homes, as well the latest examples of successful enforcement suits by nursing homes and family members. I also analyze a disturbing additional claim, where Germany is seeking to enforce its filial support law to compel a U.S. resident to pay toward the costs of care for an ailing father in Germany.
Ultimately, I think that Professor Hartog and I agree more than we disagree about the lack of behavioral impact flowing from filial support laws. As demonstrated by Professor Hartog in his book, much care and support is provided by children, but flowing from complicated moral or personal inclinations, rather than statute-based lawsuits.
This seems a more realistic paradigm, although not without opportunities for misunderstanding and disappointment. But, as I often observe, the very last person I would want involved in my care would be someone who is doing it "only" because a statute -- much less a court -- is telling them they must care for me.
October 9, 2015 in Books, Current Affairs, Estates and Trusts, Ethical Issues, Health Care/Long Term Care, Housing, International, Medicaid, Social Security, State Cases, State Statutes/Regulations | Permalink | Comments (0)
Monday, October 5, 2015
Webinar on October 6: The "A to Zahner" on Medicaid Annuities
Sorry for the short notice, but on Tuesday, October 6, 2015 from noon to 1 p.m. (Eastern time), the Pennsylvania Bar Institute is hosting a very timely (and cleverly titled) webinar, focusing on the impact of the Third Circuit's recent decision in Zahner on Medicaid planning generally and specifically on the sue of annuities.
Here is a link to PBI's details on "The A to Zahner on Medicaid Annuities," including how to register.
October 5, 2015 in Current Affairs, Estates and Trusts, Ethical Issues, Federal Cases, Federal Statutes/Regulations, Medicaid, Property Management, Webinars | Permalink
Sunday, September 27, 2015
Keeping Track of Preventive Services
Trying to keep straight all of the preventive services available to individuals is daunting, but the Kaiser Family Foundation (KFF) has made it easy with their new tool, Preventive Services Tracker. There are separate trackers for each condition including cancer chronic conditions, immunizations, sexual health, health promotions and preganancy-based. Organized into easy-to-use charts,, each chart provides information on the required service, the target population, the recommendation, coverage clarifications and effective dates. The charts also provide links for each required service to explain more details.
You might also want to check out their article on Preventive Services Covered by Private Health Plans Under the Affordable Care Act and the accompanying fact sheet.
September 27, 2015 in Cognitive Impairment, Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid, Medicare | Permalink | Comments (0)
Thursday, September 24, 2015
Family Caregivers Show Support for Pennsylvania State Assistance at State Capitol
If you have worked in Elder Law long enough, you have probably received a panicked call from a family caregiver who is unprepared for a loved one to be discharged on short notice from hospital care.
On September 22, the Pennsylvania Capitol in Harrisburg was crowded with individuals wearing coordinated colors, showing their support for Pennsylvania Caregivers, including family members who are often struggling with financial and practical challenges in caring for frail elders. Here's a link to a CBS-21-TV news report, with eloquent remarks from Tamesha Keel (also pictured left), who has first-hand experience as a stay-at-home caregiver for her own aging mother. Tamesha recently joined our law school as Director of Career Services.
AARP helped to rally support for House Bill 1329, the Pennsylvania CARE Act. The acronym, coined as part of a national campaign by AARP to assist family caregivers, stands for Caregiver Advise, Record and Enable Act. HB 1329 passed the Pennsylvania House in July 2015 and is now pending in the Pennsylvania Senate.
We have written on this Blog before about pending CARE legislation in other states. A central AARP-supported goal is to achieve better coordination of aftercare, starting with identification of patient-chosen caregivers who should receive notice in advance of any discharge of the patient from the hospital. Pennsylvania's version of the CARE Act would require hospitals to give both notice and training, either in person or by video, to such caregivers about how to provide appropriate post-discharge care in the home.
I'd actually like to see a bit more in Pennsylvania. It is unfortunate that the Pennsylvania CARE Act, at least in its current iteration (Printer's Number 1883), does not go further by requiring written notice, delivered at least a minimum number of hours in advance of the actual discharge. AARP's own model act suggests a minimum of 4 hours, consistent with Medicare rules.
Under Federal Law, Medicare-participating hospitals must deliver advance written notice of a discharge plan, and such notice must explain the patient's rights to appeal an inadequate plan or premature discharge. A timely appeal puts a temporary hold on the discharge. See the Center for Medicare Advocacy's (CMA) summary of key provisions of Medicare law on hospital discharges, applicable even if a patient at the Medicare-certified hospital isn't a Medicare-patient. CMA's outline also suggests some weaknesses of the Medicare notice requirement.
AARP's original CARE Act proposals are important and evidence-based, seeking to improve the patient's prospects for post-hospitalization care through better advance planning. At the same time, there's some irony for me in reading the Pennsylvania legislature's required "fiscal impact" report on HR 1329, as it reports a "0" dollar impact. That may be true from the Pennsylvania government's cost perspective, but for the hospitals, to do it right, whether in person or by video, training is unlikely to be revenue neutral. I think we need to talk openly about the costs of providing effective education or training to home caregivers.
If passed by the Senate, Pennsylvania's CARE Act would be not become effective for another 12 months. The bill further provides for evaluation of the effectiveness of the rules on patient outcomes.
As is so often true, states are constantly juggling the need for reforms to solve identified problems, with the costs of such reforms. Perhaps the current version of the Pennsylvania bill reflects some compromises among stakeholders. According to this press statement, the Hospital and Health System Association of Pennsylvania supports the current version of AARP's Pennsylvania CARE Act.
September 24, 2015 in Consumer Information, Current Affairs, Dementia/Alzheimer's, Ethical Issues, Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid, Medicare, State Statutes/Regulations | Permalink | Comments (0)
Friday, September 18, 2015
Medicare Criminal Investigation? FBI Raids Home of CEO of Nursing Home Company
As we have frequently reported on this Blog (see e.g., here and here and here), the Obama Administration has been aggressive in pursuit of Medicare and Medicaid claims tied to unlawful reimbursement or kickback claims for companies involved in long-term care. But even given that history, often tied to whistleblowing by current or former employees, it is unusual to see criminal investigations. Thus recent media reports about the FBI raiding the CEO of American Senior Communities was eye-catching, including this report from the Indianapolis Star:
A cadre of federal agents raided the Carmel home of an executive of a chain of nursing homes Tuesday morning. But the most important question remains unanswered: Why?
The home is owned by James G. Burkhart, the CEO of American Senior Communities, according to Hamilton County property records. FBI investigators also were at the Southside headquarters of American Senior Communities, at 6900 Gray Road, according to reports.
American Senior Communities manages nearly 100 senior care facilities and is one of the largest nursing home management companies in Indiana. Among those are 60 sites, including skilled nursing facilities and assisted living facilities throughout the state, that the company manages under a contract with Marion County's public health agency.
According to media reports, American Senior Communities (ASC) issued the following press statement following the raid:
"American Senior Communities' most important priority is to continue to provide excellent care to our patients and residents. ASC has been contacted by the federal government in connection with an investigation into certain individuals or practices. ASC is fully cooperating with the government and is conducting its own review to ascertain the relevant facts. ASC is in compliance with all federal, state and local laws and regulations and will continue to conduct its business in accordance with the highest standards of integrity."
Stay tuned...(but don't hold your breath).
September 18, 2015 in Ethical Issues, Health Care/Long Term Care, Medicaid, Medicare | Permalink | Comments (0)
Monday, September 14, 2015
Commenting on Proposed Medicaid Regs? Comment Period Expanded to October 14
As we have reported earlier on this Blog, CMS is seeking comments on proposed Medicaid rules affecting nursing facilities, including proposals that could affect the use of pre-dispute "arbitration" agreements. Justice in Aging provided the helpful update that the comment period has been extended to October 14, 2015. In addition, Justice in Aging has provided a link to model or sample comments to use clarify consumer concerns.
Here is a link to the CMS extension notice. Here is a link to important information about commenting on key aspects of the proposals, prepared by The National Consumer Voice for Quality Long-Term Care.
September 14, 2015 in Consumer Information, Current Affairs, Ethical Issues, Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid | Permalink | Comments (0)
Tuesday, September 8, 2015
Deadline 9/14/2015: Comments Due to CMS re "Binding Arbitration" in Nursing Home Admission Agreements
Erica Wood, a director for the ABA Commission on Law and Aging, writing for the August 2015 issue of the ABA's Bifocal Journal, reminds us that the Centers for Medicare and Medicaid Services (CMS) is seeking comments on proposed changes to rules affecting Long-Term Care Facilities that participate in Medicare and Medicaid programs, including the issue of whether CMS should prohibit "binding" pre-dispute arbitration provisions in nursing home contracts. The deadline for public comments is 5 p.m., on Monday, September 14, 2015. Electronic comments, using the file code CMS-2360-P, can be submitted through this portal: http://www.regulations.gov.
How do you feel about pre-dispute "agreements" binding consumers, including consumers of long-term care, to arbitration? Your comments to CMS can make a difference!
I remember my first encounter with "binding" pre-dispute arbitration provisions in care facilities. In the early years of my law school's Elder Protection Clinic, a resident of a nursing home had purportedly "given away" possessions to an aide at nursing home, who promptly sold them on EBay. The resident was lonely and the "friendship" included the aide taking her out the front door of the facility, via a wheel chair, on little outings, including trips where the resident could visit her beloved house, still full of a life-time of antiques and jewelry. (The resident might have recovered enough to go home -- although eventually a second stroke intervened.)
September 8, 2015 in Cognitive Impairment, Consumer Information, Current Affairs, Estates and Trusts, Ethical Issues, Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid, Medicare, Property Management | Permalink | Comments (0)
Thursday, September 3, 2015
Third Circuit Rules Medicaid Applicants' Short-Term Annuities Are Not "Resources" Preventing Eligibility
In a long awaited decision on two consolidated cases analyzing coverage for nursing home care, the Third Circuit ruled that "short-term annuities" purchased by the applicants cannot be treated by the state as "available resources" that would delay or prevent Medicaid eligibility. The 2 to 1 decision by the court in Zahner v. Secretary Pennsylvania Department of Human Services was published September 2, 2015, reversing the decision (linked here) of the Western District of Pennsylvania in January 2014.
The opinion arises out of (1) an almost $85k annuity payable in equal monthly installments of $6,100 for 14 months, that would be used to pay Donna Claypoole's nursing home care "during the period of Medicaid ineligibility that resulted from her large gifts to family members"; and (2) a $53k annuity purchased by Connie Sanner, that would pay $4,499 per month for 12 months, again to cover an ineligibility period created by a large gift to her children.
The Pennsylvania Department of Human Services (DHS) argued that the transactions were "shams" intended "only to shield resources from the calculation of Medicaid eligibility." However, the majority of the Third Circuit analyzed the transactions under federal law's "four-part test for determining whether an annuity is included within the safe harbor and thus not counted as a resource," concluding:
Clearly, if Congress intended to limit the safe harbor to annuities lasing two or more years, it would have been the height of simplicity to say so. We will not judicially amend Transmittal 64 by adding that requirement to the requirements Congress established for safe harbor treatment. Therefore, Claypoole's and Sanner's 14-and 12-month contracts with ELCO are for a term of years as is required by Transmittal 64.
Further, on the issue of "actuarial soundness," the court ruled:
[W]e conclude that any attempt to fashion a rule that would create some minimum ratio between duration of annuity and life expectancy would constitute an improper judicial amendment of the applicable statutes and regulations. It would be an additional requirement to those that Congress has already prescribed and result in very practical difficulties that can best be addressed by policy choices made by elected representatives and their appointees.
The her short dissent, Judge Marjorie Rendell explained she would have affirmed the lower court's ruling in favor of DHS on the "grounds that the annuities ... were not purchased for an investment purpose, but, rather, were purchased in order to qualify for benefits." In addition, she accepted DHS' argument the annuities were not actuarially sound.
September 3, 2015 in Current Affairs, Estates and Trusts, Ethical Issues, Federal Cases, Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid, State Statutes/Regulations | Permalink | Comments (0)
Wednesday, September 2, 2015
Seniors Who Cannot Make Ends Meet -- UCLA Documents "The Hidden Poor"
UCLA's Center for Health Policy Research has issued its August 2015 report on "The Hidden Poor," using county-by-county data to demonstrate that "federal" definitions of poverty are not a sufficient measure of true poverty for seniors. What are the "hidden poor?" The UCLA report explains: "The Hidden Poor are defined as those who have incomes above 100 percent of the Federal Poverty Level (FPL), but who do not have enough income to make ends meet as calculated by the Elder Index."
A recent article in the Sacramento Bee highlights key components of the analysis:
More than 300,000 elderly Californians are officially poor, as measured by the federal government, but their numbers triple to more than 1 million when the "hidden poor" are counted, according to a new study from UCLA's Center for Health Policy Research.
National poverty guidelines say that for a single elderly adult living alone, the poverty line is $10,890 a year, but UCLA's "elder index" puts it at $23,364 in California.
Those "hidden poor" Californians over 65 tend to be Latino or black. Their greatest concentrations are found in rural counties with overall low income levels, topped by Imperial County, where more than 40 percent of the elderly are the hidden poor....
The study said population groups with especially large proportions of the hidden poor include grandparents raising grandchildren, elderly with adult children living at home, and single elders.
Accurate measurements of poverty are core to planning of resources for any age group, including seniors. How does your state account for needy seniors?
September 2, 2015 in Consumer Information, Current Affairs, Discrimination, Elder Abuse/Guardianship/Conservatorship, Ethical Issues, Housing, Medicaid, Statistics | Permalink | Comments (0)
Friday, August 28, 2015
Medicaid Eligibility: Ohio Supreme Court Addresses Effect of Post-Admission, Pre-Eligibility Transfer of Home
One year and six days after hearing oral argument in Estate of Atkinson v. Ohio Department of Job & Family Services, a divided Ohio Supreme Court ruled in favor of the State in a Medicaid eligibility case involving transfer of the community home. The majority, in a 4-3 vote, ruled that "federal and state Medicaid law do not permit unlimited transfers of assets from an institutional spouse to a community spouse after the CSRA (Community Spouse Resource Allowance) has been set." However, the court also remanded the case to the lower court for recalculation of the penalty period under narrow, specific provisions of state and federal law.
Attorneys representing families in "Medicaid planning" scenarios will be disappointed in the ruling, because it rejected "exempt asset" and "timing" arguments that would have permitted some greater sheltering of assets after the ill spouse's admission to the nursing home.
At the same time, the complex reasoning and specific facts (involving transfer of the family home out of the married couple's "revocable trust" to the community spouse), will likely create additional business for elder law specialists, especially as the majority distinguished the 2013 federal appellate court ruling in Hughes v. McCarthy, that permitted use of spousal transfers using "annuities."
The dissent was strongly worded:
It is clear that the law treats the marital home very carefully to prevent spousal impoverishment at the end of life. And that is the public policy we should be embracing. Based on the plain language of the federal statutes and the Ohio Administrative Code, as well as the holding of the United States Court of Appeals for the Sixth Circuit in Hughes v. McCarthy, 734 F.3d 473, I would hold that the transfer of the home between spouses prior to Medicaid eligibility being established is not an improper transfer and is not subject to the CSRA cap.
To view the oral argument of the case before the Ohio Supreme Court, see here.
August 28, 2015 in Ethical Issues, Federal Cases, Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid | Permalink | Comments (0)
Who "Owns" Funds in Joint Accounts -- and Why Might It Matter for Medicaid Purposes?
Sometimes "small" cases reveal larger problems. A recent appellate case in Pennsylvania is a reminder of how practical solutions, such as establishing a joint bank account to facilitate management of money or to permit sharing of resources during early stages of elder care, may have unforeseen legal implications later. In Toney v. Dept. of Human Services, decided August 25, 2015, the Commonwealth Court of Pennsylvania ruled that "half" of funds held in a joint savings account under the names of the father and his son, were available resources for the 93-year-old father. Thus the father, who moved into a nursing home in May 2014, was not immediately eligible for Medicaid funding.
The son argued, however, that most of the money in the account was the son's money, proceeds of the sale of his own home when he moved out of state almost ten years earlier:
"The son alleged that his father used the bulk of that money to maintain himself, with the understanding that any money remaining from that CD after his father's death would revert to him. The ALJ, however, rejected the son's testimony as self-serving and not credible...."
August 28, 2015 in Estates and Trusts, Health Care/Long Term Care, Medicaid, Property Management, State Cases, State Statutes/Regulations | Permalink | Comments (0)
Thursday, August 20, 2015
Reading the "Alphabet Soup of Medicare & Medicaid Contractors"
Attorneys Don Romano and Jennifer Colagiovanni have a useful article in the August issue of The Health Lawyer, published by the ABA. In The Alphabet Soup of Medicare and Medicaid Contractors, the authors spell out the many players involved in claims processing, payment and oversight for federal/state health care payments:
Healthcare providers, suppliers, and their staff, as well as attorneys representing healthcare entities are faced regularly with a barrage of private contractors tasked with a variety of responsibilities for administering the Medicare program, including claims processing, reimbursement, enrollment and auditing activities. Given the number of different contractors (and different acronyms, for that matter), it can be difficult to identify the role of the particular contractor one is dealing with, the focus of goal of the program the contractor is involved in , and the responsibilities it is tasked with managing, as well as the statutory and regulatory scope of its authority. This article seeks to identify the various Medicare and Medicaid contractors and outline their authority, focus and responsibilities.
If you ever had any question about why Medicare and Medicaid are expensive programs, this article suggests that payment for services is not the "only" significant cost factor.
August 20, 2015 in Federal Statutes/Regulations, Health Care/Long Term Care, Medicaid, Medicare | Permalink | Comments (0)
Sunday, August 16, 2015
2015 National Aging & Law Conference
The National Aging & Law Conference is scheduled for October 29-30, 2015 at the Hilton Arlington, Arlington, VA. A number of ABA commissions and divisions are sponsors of this conference including the Commission on Legal Problems of the Elderly, the Coordinating Committee on Veterans Benefits & Services, the Senior Lawyers Division and the Real Property, Trust & Estate Law Section. The website describes the conference
The 2015 National Aging and Law Conference (NALC) will bring together substantive law, policy, and legal service development and delivery practitioners from across the country. The program will include sessions on Medicare, Medicaid, guardianship, elder abuse, legal ethics, legal service program development and delivery, consumer law, income security, and other issues.
The 2015 National Aging and Law Conference marks the second year that this conference has been hosted by the American Bar Association. This year's agenda will include 24 workshops and 4 plenary sessions on key topics in health care, income security, elder abuse, alternatives to guardianship, consumer law, and legal service development and delivery. The focus of the agenda is on issues impacting law to moderate income Americans age 60 and over and the front line advocates that serve them.
The agenda is available here. To register, click here. Early bird registration ends August 28, 2015.
August 16, 2015 in Advance Directives/End-of-Life, Cognitive Impairment, Dementia/Alzheimer's, Discrimination, Elder Abuse/Guardianship/Conservatorship, Ethical Issues, Federal Statutes/Regulations, Health Care/Long Term Care, Housing, Medicaid, Medicare, Programs/CLEs, Social Security, Veterans | Permalink | Comments (0)
Monday, August 10, 2015
Will "Single Seniors" Change the Face of Long-Term Living and Supports?
The Public Policy Institute (PPI) of California recently profiled demographic changes likely to affect that state in coming decades, including the impact of a projected increase, to 20%, of the proportion of the population aged 65+. One especially interesting component is the impact of seniors who are likely to be "single," especially those without the assistance of children, spouses, or other close family members, a trend that seems likely to be true nationwide. From PPI's report (minus charts and footnotes):
Family structures in this age group will also change considerably—in particular, marital status will look quite different among seniors in 2030 than it does today.... The fastest projected rates of growth are among the divorced/separated and never married groups. Between 2012 and 2030, the number of married people over age 65 will increase by 75 percent—but the number who are divorced or separated will increase by 115 percent, and the number who are never married will increase by 210 percent....
Another significant change will be in the number of seniors who have children. Those who have never been married are much less likely to have children than those who have been married at some point. As a result, seniors in the future will be more likely to be childless than those today.... In 2012, just 12 percent of 75-year-old women had no children. We project that by 2030, nearly 20 percent will be childless. Since we know that adult children often provide care for their senior parents, these projections suggest that alternative non-family sources of care will become more common in the future.
Thus, just as we're making noise about supporting seniors' preference to "age at home," we may be over-assuming that family members will be available to provide key care without direct cost to the states. Hmmm. That's problematic, right?
More from the California PPI report, including some conclusions:
California's senior population will grow rapidly over the next two decades, increasing by an estimated 87 percent, or four million people. This population will be more diverse and less likely to be married or have children than senior are today. The policy implications of an aging population are wide-ranging. We estimate that about one million seniors will have some difficulties with self-care, and that more than 100,000 will require nursing home care. To ensure nursing home populations do not increase beyond this number, the state will need to pursue policies that provide resources to allow more people to age in their own homes....
The [California In-Home Service & Supports] IHSS program provides resources for seniors to hire workers, including family members, to provide support with personal care, household work, and errands. One benefit of hiring family members is that they may provide more culturally competent care. Medi-Cal is already the primary payer for nursing home residents, and the state could potentially save money by providing more home- and community-based services that support people as they age, helping to keep them out of institutions. Finally, the projected growth in nursing home residents and in seniors with self-care limitations will require a larger health care workforce. California's community college system will be a critical resource in training qualified workers focused on the senior population.
The San Diego Union-Tribune follows up on this theme in California Will Have More Seniors Living Alone, by Joshua Stewart.
August 10, 2015 in Consumer Information, Dementia/Alzheimer's, Ethical Issues, Federal Statutes/Regulations, Health Care/Long Term Care, Housing, Medicaid, Retirement, State Statutes/Regulations, Statistics | Permalink | Comments (0)
Thursday, July 16, 2015
Highlights from Upcoming Pennsylvania Elder Law Institute on July 23 & 24
Probably the best bang for your CLE buck in Pennsylvania comes from the two-day Elder Law Institute hosted each summer by the Pennsylvania Bar Institute. This year the 18th annual event is on July 23 & 24 in Harrisburg.
Highlights include:
- "The Year in Review" with attorneys Marielle Hazen and Robert Clofine sharing duties to report on key legislative, regulatory and judicial developments from the last 12 months;
- How to "maximize" eligibility for home and community based services (Steve Feldman and Pam Walz);
- Cross disciplinary discussions of end-of-life care with medical professionals and hospice providers;
- LTC "provider" perspectives (Kimber Latsha and Jacqueline Shafer);
- Latest on proposals to change Veterans' Pension Benefits (Dennis Pappas);
- Implementation of the Pa Supreme Court's Elder Law Task Force Recommendations (Judges Lois Murphy, Paula Ott, Sheila Woods-Skipper & Christin Hamel);
- A closing session opportunity, "Let's Ask the Department of Human Services Counsel" (with Addie Abelson, Mike Newell & Lesley Oakes)
There is still time to registration (you can attend one or both days; lunches are included and there is a reception the first evening).
I think this is the first year I have missed this key opportunity for networking and updates; but I'm sending my research assistant!
July 16, 2015 in Advance Directives/End-of-Life, Cognitive Impairment, Current Affairs, Elder Abuse/Guardianship/Conservatorship, Estates and Trusts, Ethical Issues, Federal Cases, Health Care/Long Term Care, Legal Practice/Practice Management, Medicaid, Medicare, Programs/CLEs, Property Management, Social Security, State Cases, State Statutes/Regulations, Veterans | Permalink | Comments (0)
Friday, July 10, 2015
Louisiana Governor Signs Amended "Lifetime Necessities" Law Obligating "Ascendants & Descendants"
Louisiana Governor Bobby Jindal, one of (now many) candidates for the Republican nomination for President, has been making a fair amount of press of late, for his positions on so-called medical marijuana, Common Core education standards, and how his state will handle same-sex marriage. Lower on the radar screen, however, was his signing of Act 260, an interesting package of legal changes affecting obligations between various family members.
One of these changes was to adopt a new provision affecting the obligations of "ascendants and descendants" to provide "basic necessities of life" for family members "in need." In other words, filial support.
Louisiana already had a provision, Section 229, providing that "children are bound to maintain their father and mother and other ascendants who are in need." The new provision continues this statutory obligation, but makes enforcement "personal" only. The substitute provision was signed into law on June 29 and becomes effective on January 1, 2016. New Article 237 of Act 260 provides:
Descendants are bound to provide the basic necessities of life to their ascendants who are in need, upon proof of inability to obtain these necessities by other means or from other sources, and ascendants are likewise bound to provide for their needy descendants, this obligation being reciprocal.
This obligation is strictly personal and is limited to the basic necessities of food, clothing, shelter, and health care.
This obligation is owed by descendants and ascendants in the order of their degree of relationship to the obligee and is joint and divisible among obligors. Nevertheless, if the obligee is married, the obligation of support owed by his descendants and ascendants is secondary to the obligation owed by his spouse.
Official comments explaining the revisions emphasize that the necessities obligation kicks in only when the needy family member is unable to obtain necessities "by other means" or from "other sources," thus signaling any filial support obligation is secondary to the individual's eligibility for public assistance or other welfare benefits. Further "for the first time" Louisiana law "provides a ranking of those descendants and ascendants who owe this reciprocal, lifetime obligation."
The commentary explains that the revision makes the obligation "strictly personal," and there it precludes enforcement by "a third person." Thus, it would appear that unlike in Pennsylvania (or Germany?) nursing homes and the state may not use these statutes in order to sue family members to collect necessities for indigent elders.
According to the comments, the obligation is also not "heritable." This appears to reflect a Louisiana Court of Appeals decision from 2010, In re Succession of Elie,denying a mother's claims for funds from a deceased son's estate brought under former Section 229.
July 10, 2015 in Current Affairs, Estates and Trusts, Ethical Issues, Health Care/Long Term Care, Housing, Medicaid, State Cases, State Statutes/Regulations | Permalink | Comments (0)
Friday, July 3, 2015
Pennsylvania AG Files Consumer Protection Suit Against Golden Living Nursing Homes
On July 1, 2015, Pennsylvania's Attorney General filed a complaint in the Commonwealth Court against Golden Gate National Senior Care LLC (GGNSC) which manages and operates Golden Living Centers nationally. The AG's suit focuses on 14 facilities in Pennsylvania. From the AG's press statement:
The legal action asserts Golden Living violated the Unfair Trade Practices and Consumer Protection Law by deceiving consumers through its marketing practices.
The company advertised it would keep its residents clean and comfortable while providing food and water at any time. But its facilities were understaffed, leaving residents thirsty, hungry, dirty, unkempt and sometimes unable to summon anyone to help meet their most basic needs, such as going to the bathroom, the legal action asserts.
According to the AG's office, evidence comes from residents' family members and former employees of Golden Living, including certified nursing assistants. The allegations focus on an alleged "widespread pattern of understaffing and omitted care."
Further, the AG makes the following specific allegations:
- Continent residents left in diapers because they were unable to obtain assistance going to the bathroom.
- Incontinent residents left in soiled diapers, in their own feces or urine, for extended periods of time.
- Residents at risk for bedsores from not being turned every two hours as required.
- Residents not receiving range of motion exercises.
- Residents not receiving showers or other hygiene services as required.
- Residents being woken at 5 a.m. or earlier to be washed and dressed for the day.
- Residents not being timely dressed in order to attend their meals.
- Residents not being escorted to the dining hall and sometimes missing meals entirely.
- Long waits for responses to call bells or no responses at all.
- Staff, under the direction of management or fear of management, falsifying records to indicate residents received services when in fact they did not.
- Improved staffing when state inspections occurred, leading to deceit about the true conditions at the facility.
- The investigation also included a review of staffing levels self-reported by Golden Living facilities and deficiencies cited in surveys conducted by the state Department of Health.
According to one news source, Golden Living responded to the suit with a statement expressing the company's confidence that the "claims made by the Attorney General are baseless and wholly without merit," and further alleging the suit is the "unfortunate result of Kathleen Kane's inappropriate and questionable relationship with a Washington D.C.-based plaintiff's firm that preys on legitimate businesses and is paid by contingency fees." (For those of you not privy to the local news on Pennsylvania politics generally and AG Kathleen Kane specifically, I think it is fair to say that the press frequently refers to her as the "embattled AG." She first took office in January 2013).
The Pennsylvania AG's suit comes on the heels of a broader report released in June by Community Legal Services of Philadelphia, asserting that from 2012 through 2014 the Pennsylvania Department of Health under former Governor Corbett's administration, failed significantly to conduct proper investigation of complaints about a large number of nursing homes (not limited to Golden Living) and failed to enforce existing regulations designed to protect residents.
For Golden Living, allegations are not limited to Pennsylvania. For example, in June 2015, claims about chronic understaffing of 12 Golden Living Center nursing homes in Arkansas were certified to be litigated as a class action.
Hat tip to Douglas Roeder, Esq., for bringing the latest Pennsylvania AG's suit to my attention. Last month I reported on the A.G.'s suit for unfair trade practices filed against a law firm that was alleged to be improperly using Pennsylvania's filial support law as a basis for collection demands against family members of the debtor.
July 3, 2015 in Cognitive Impairment, Consumer Information, Current Affairs, Elder Abuse/Guardianship/Conservatorship, Ethical Issues, Health Care/Long Term Care, Housing, Medicaid, Medicare, State Cases, State Statutes/Regulations | Permalink | Comments (0)


text:
Best of Technical Support
Slow Backups
I moved our Samba server (Red Hat 7.3, PII)
to a new PC (Red Hat 9, P4). I have a cron job
set up to create daily backups from shares using
smbtar. I have installed all the latest patches
using up2date. Problem: this backup script is running
much more slowly on the new configuration than on the old
one. Any ideas why this might be?
Zoltan Sutto
My first guess is Ethernet drivers. Make sure they are the latest
and greatest. I also have had issues with Ethernet auto-negotiating
speed. Make sure you are at 100BT/full duplex.
Christopher Wingert
If you really wanted to analyze the problem, you'd start by running the smbtar script with tracing turned on (the -x option to bash). That's because smbtar is a shell script. Then, you could eyeball it to see which commands were taking a long time. You also could (more invasively) edit a copy of the script, inserting calls to take timestamps (relative and absolute) between calls to external commands. These could be written to a profiling file or simply sent to the system logs using the logger command. You can use shell expressions like:
START_TIME="$(date +%s)"; REL_TIME="$START_TIME" REL_TIME="$(( $(date +%s) - $REL_TIME ))" ...
to get the current time (as a number of seconds since the epoch in 1970). Thus, the total elapsed time for your script would be the current time minus the $START_TIME that you set as the first line of the script.
Also consider that differences in your configuration might be introducing some odd network name services delays, for example, if your old /etc/hosts file had some entries that made reverse DNS queries work and the new installation has failed to preserve those, or if your old /etc/nsswitch.conf was only checking local files and your new one is somehow querying NIS, LDAP or winbind (MS Windows domain) sources. Because winbind is in newer Red Hat systems after 7.3, it could be the culprit.
Performance tuning is a process of taking measurements (profiling) to find bottlenecks (analysis) and eliminate those where possible (tuning). Usually the elimination of bottlenecks involves finding cases where the system is doing work unnecessary to your application, for example, querying network-based directory services rather than simply using local files.
Sometimes you should consider an entirely different approach to the
task at hand. In this case, I'd seriously consider not using smbtar to
back up these Samba shares. You simply can use rsync to synchronize
the selected (shared) directory trees to one large holding disk on the
system with the tape drive. Then, back that up
directly to tape.
Jim Dennis
It could be that your new system is not getting as much throughput to your hard disks as it should be. I'm assuming you have IDE disks. Default installs on some Linux distributions don't necessarily enable DMA by default; it has to be enabled explicitly after install. You can use hdparm to verify/test your drive (in my case, my system is on /dev/hda):
[root@hamtop ~]# hdparm /dev/hda /dev/hda: multcount = 16 (on) IO_support = 0 (default 16-bit) unmaskirq = 0 (off) using_dma = 1 (on) keepsettings = 0 (off) readonly = 0 (off) readahead = 8 (on) geometry = 3648/255/63, sectors = 58605120, start = 0
Check the using_dma entry. If yours is set to 0, that could explain it. Try setting it to hdparm -d1 /dev/hdX, where X is your drive letter. Then test it:
[root@hamtop ~]# hdparm -tT /dev/hda /dev/hda: Timing buffer-cache reads: 128 MB in 0.82 seconds = 156.10 MB/sec Timing buffered disk reads: 64 MB in 2.68 seconds = 23.88 MB/sec
You should see the buffered disk reads go up considerably compared to
what you get from running the same test without DMA enabled.
Thoroughly test the drive with DMA enabled before relying on it, as
in rare cases older drives don't behave well with this set.
If this does fix it, read up on how your
particular distribution can be made to enable this at boot. In the
case of Red Hat, it can be controlled through /etc/sysconfig/harddisks.
Timothy Hamlin
How to Recover a Kernel .config File?
I have reconfigured the Linux kernel on my computer to
version 2.4.22, but at the boot screen, I still have the option to
choose between version 2.4.20-8 and 2.4.22. My problem is I do not
have the .config file for the 2.4.20-8 kernel, and I'd like to
know whether there is a command to generate this file?
Jan Nicolas Myklebust
If this is the default Red Hat kernel, you can unpack
the kernel source package and grab the .config file
from the /usr/src/linux-2.4/configs directory.
Christopher Wingert
There isn't a command to generate a .config file from a kernel image
in 2.4.x and earlier. In the new 2.6 kernels, a compile-time
option supports this.
Jim Dennis
bash without History
The February 2004 BTS column had a question about
hiding mistakenly entered information from the bash
history. If you kill your own bash process with
kill -9 $$
instead of logging out, it doesn't write history
to disk.
Jack Coates
Can't Make a Partition on Free Disk Space
The current partitioning on my Red Hat 9 system is:
hda1 20GB Windows hda2 7GB Linux / hda3 12GB Linux /usr swap 1GB
I have resized hda1 down to 8GB using GNU parted, thus
getting 12GB of free space. Now I want to make a new
Linux partition on the unused 12GB. The problem is,
the parted mkpart command simply says can't make
partition and the fdisk n command says delete a
partition before you make new partition.
Hiroshi Iwatani
Sounds like you have four primary partitions already, and the maximum is
You need to delete a partition and add a logical partition, which can
encompass many more partitions. I would turn off swap,
delete the swap partition,
add a logical partition including all free space,
add a new swap partition,
run mkswap,
add and format your data partition and
then turn on swap.
You should also update /etc/fstab for the new swap and data partition.
Christopher Wingert
Quick Crossover Networking
How can I use a cross-link Ethernet cable to
transfer data from one computer to the other when
both are Debian sarge and when one is sarge and
the other is Microsoft Windows?
Akos Zelei
You simply can give each of the two machines any
arbitrary IP addresses from the same network (I'd recommend using
the RFC1918 address blocks reserved for these purposes:
call one 192.168.1.1 and the other 1922.214.171.124). If you choose the
addresses wisely (or follow my example) you can leave the
subnet and broadcast values at their defaults.
You then should be able to ping each from the other. At that point,
you also should be able to run any normal TCP/IP protocols over that
link. You can use the IP addresses or add entries for left and
right in the /etc/hosts files on each. At that point you'd use rsync,
scp or any protocol you liked across them.
As for the Windows system: you can create a static IP address
configuration manually and either use its native file sharing (configure Samba
on the Debian GNU/Linux system) or install the Cygwin for MS Windows
suite and use rsync over SSH and so on.
Jim Dennis
If you don't want to set up the Linux system
as a Samba server, put putty on the Windows box
(www.chiark.greenend.org.uk/~sgtatham/putty). Or,
if the Windows box is already set up to share files,
you can use smbclient from Linux.
Don Marti
Trending Topics
Practical Task Scheduling Deployment
On Demand
One of the best things about the UNIX environment (aside from being stable and efficient) is the vast array of software tools available to help you do your job. Traditionally, a UNIX tool does only one thing, but does that one thing very well. For example, grep is very easy to use and can search vast amounts of data quickly. The find tool can find a particular file or files based on all kinds of criteria. It's pretty easy to string these tools together to build even more powerful tools, such as a tool that finds all of the .log files in the /home directory and searches each one for a particular entry. This erector-set mentality allows UNIX system administrators to seem to always have the right tool for the job.
Cron traditionally has been considered another such a tool for job scheduling, but is it enough? This webinar considers that very question. The first part builds on a previous Geek Guide, Beyond Cron, and briefly describes how to know when it might be time to consider upgrading your job scheduling infrastructure. The second part presents an actual planning and implementation framework.
Join Linux Journal's Mike Diehl and Pat Cameron of Help Systems.
Free to Linux Journal readers.View Now!
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|Jul 29, 2016
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|Jul 28, 2016
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|Jul 21, 2016
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|Jul 18, 2016
- Stunnel Security for Oracle
- The Firebird Project's Firebird Relational Database
- Murat Yener and Onur Dundar's Expert Android Studio (Wrox)
- SUSE LLC's SUSE Manager
- Managing Linux Using Puppet
- My +1 Sword of Productivity
- Non-Linux FOSS: Caffeine!
- Google's SwiftShader Released
- SuperTuxKart 0.9.2 Released
- Doing for User Space What We Did for Kernel Space
Geek Guides
With all the industry talk about the benefits of Linux on Power and all the performance advantages offered by its open architecture, you may be considering a move in that direction. If you are thinking about analytics, big data and cloud computing, you would be right to evaluate Power. The idea of using commodity x86 hardware and replacing it every three years is an outdated cost model. It doesn't consider the total cost of ownership, and it doesn't consider the advantage of real processing power, high-availability and multithreading like a demon.
This ebook takes a look at some of the practical applications of the Linux on Power platform and ways you might bring all the performance power of this open architecture to bear for your organization. There are no smoke and mirrors here—just hard, cold, empirical evidence provided by independent sources. I also consider some innovative ways Linux on Power will be used in the future.Get the Guide

subset: commoncrawl


text:
Mental Health Center
Understanding Obsessive-Compulsive Disorder -- Symptoms
In this article
What Are the Symptoms of Obsessive-Compulsive Disorder?
A person with obsessive-compulsive disorder (OCD) may have obsessive thoughts, compulsive behavior, or both.
Symptoms of obsessions include:
Recommended Related to Mental Health
Got a Problem? Try Sleeping on It
When it comes to problem solving, getting enough sleep may truly be the secret to success. Take the case of Kate Miller, the owner of Charlie's Playhouse, a maker of science education toys. Miller had been wrestling with a problem for weeks. But one morning the answer popped into her mind as she woke up. She wanted to design a game that would teach kids about natural selection while letting them run around and have fun. "It was the sleep that brought it all together," says Miller, 42, of Providence,...
Read the Got a Problem? Try Sleeping on It article > >
- Having involuntary and persistent thoughts that appear to be senseless (such as an overwhelming fear of dirt or persistent worry about a past event) and cause anxiety or distress
- Knowing that these thoughts come from one's own imagination, not from outside factors (except in children) but still unable to control the thoughts
Symptoms of compulsions include:
- Repetitive acts such as hand washing, checking and rechecking locks or electrical appliances, cleaning and recleaning, preoccupation with symmetry or repeating words. These acts may be mental behaviors such as counting or praying.
- Recognition that the repetitive behavior is excessive or unreasonable (this may not be true for children).
- Depression and distress as attempts to deal with compulsions fail.
Symptoms of OCD in Children:
- Mute behavior with agitation
- Gradual decline in schoolwork, secondary to impaired concentration
- Withdrawal and social isolation accompanied by preoccupations with irrational concerns
- Mood swings from anxiety to despair
- Ritualistic or compulsive behaviors as noted above
See Your Doctor About OCD If:
You are experiencing some of the OCD symptoms listed above, seek help from a psychiatrist or clinical psychologist.
If your child is anxious or depressed or has excessive fears of aggression, sexual behavior, contamination, or disorderliness, seek help from your child's health care provider or a mental health professional.
WebMD Medical Reference


text:
Mets Look for Innings and Wisdom From Izzy
Once upon a time, Jason Isringhausen was a hot-shot, hard-throwing rookie with the New York Mets, compiling a 9-2 record with a 2.81 earned-run average.
But that was three elbow operations and 16 years ago, and as he dressed at his new locker at Citi Field on Monday afternoon, Isringhausen sounded like a man altogether familiar with the corrosive nature of his profession—and grateful for another opportunity, perhaps his last.
"I'm not looking to come here to do anything special," he said. "Some days it'll be good enough, some days it won't. Just go with that."
On Sunday, the Mets recalled Isringhausen from extended spring training in the wake of another poor performance from their bullpen. On Monday, he arrived in New York and made his way to Flushing, where he experienced Citi Field for the first time before the Mets were host to the Colorado Rockies in their series opener.
Isringhausen had outlasted Shea Stadium, the place where he once plied his trade, an accomplishment considering what he has been through: his arm problems, his rehabilitations, his minor-league deal with the Mets in February. There were no guarantees when he signed. Less than two weeks into the season, the Mets summoned him from Port St. Lucie—and another era.
"Not that I wished ill will on anybody, but I'm glad it happened sooner than later," Isringhausen said.
The hope now is that Isringhausen, at age 38, will provide some innings and some wisdom. Manager Terry Collins said Isringhausen's teammates would be remiss not to use him as a resource. Collins mentioned Bobby Parnell and Pedro Beato, two pitchers with promise, by name.
"For those guys to get to sit down next to Jason Isringhausen and pick his brain for seven or eight innings and talk about preparation and how he goes about things—if they don't do that, they're wasting their time," Collins said. "That's one of the reasons he's here, besides the fact that he's supposed to help us."
Heading into Monday's game, Mets relievers had allowed 19 earned runs and 45 hits while issuing 16 walks over 34 1/3 innings. Opponents were hitting .324 against them.
The latest disaster unfolded against the Washington Nationals on Sunday, when the Mets wasted seven sterling innings from starting pitcher Chris Young. Blaine Boyer yielded four runs in relief and the Mets lost in 11 innings. Boyer was promptly designated for assignment, clearing space for Isringhausen.
For the time being, Collins plans to carry eight relievers on his roster—a move designed, he said, to provide "protection" for his starting pitchers. But quantity is seldom a more valuable asset than quality, and calling on Isringhausen could be considered a mild act of desperation for a team in dire need of bullpen arms.
"I got what I got, and I'll go at it with everything I got," said Isringhausen, who impressed the coaching staff in spring training.
He last pitched for the Mets on July 31, 1999, when he allowed five earned runs in three innings in a lopsided loss to the Chicago Cubs—not that he recalls any of this. ("There have been a lot of games between then and now," he said.)
He only remembers meeting afterward with then-general manager Steve Phillips, who gave him the news: The Mets had traded him to the Oakland Athletics, who wanted to make him their closer. Isringhausen embraced the role, first with Oakland and later with the St. Louis Cardinals, collecting 293 saves and twice making All-Star teams.
His job is different now. He spent last season in the minors, and he has grown familiar with the latest phase of his career: Each inning is an audition, every pitch a test of an elbow pieced together by medical science. He can only hope that he lasts with the Mets, for his sake and theirs.
Write to Scott Cacciola at firstname.lastname@example.com


text:
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"This book is really nice and is relevant to military historians, architecture historians, diorama builders, artillery builders and some armor builders... The information is well presented and easy to read. I enjoyed reading this entire book. I would not hesitate to recommend this book." ―Scott Lodder, Armorama (February 2006)
About the Author
Steven J Zaloga was born in 1952, received his BA in history from Union College and his MA from Columbia University. He has published numerous books and articles dealing with modern military technology, especially armoured vehicle development. His main area of interest is the US Army in the European theater in World War II. He works as an analyst in the aerospace industry and lives in Maryland, USA.
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Zaloga begins the volume with a well-written summary of the design and development of the German army and navy coastal defenses in Normandy. He manages to include a number of interesting facts, including nice-to-know items like the cost of construction. The next section deals with the actual defenses in detail, including a table that lists all strongpoints on the five D-Day beaches and another table that lists all artillery units in range of the beaches. Zaloga also provides great detail on the garrison, including mentioning individual German commanders in various bunkers. The final section on the defenses on D-Day, which covers beach-by-beach, is superb. Throughout, the volume is enhanced with an excellent mix of B/W photos from 1944 and modern color photos. Zaloga also provides excellent detailed color maps for each beach sector, which depict all the key German defenses. The color plates are also very good, depicting various types of German coastal bunkers. Overall, this volume delivers a great deal of well-packaged information for its small size.
The only item that I would disagree with is his assessment that, "the German defenses quickly failed when assaulted by Allied forces on D-Day." It is currently in vogue among many military historians to deride fixed fortifications like the Atlantic Wall as a `white elephant,' but this ignores their intended purpose. Although Rommel hoped to defeat the invasion on the beaches, it was the reserve troops who were supposed to deliver the decisive blow; the coastal defenses were merely intended to delay and disrupt the invaders long enough for the German reserves to deploy. As Zaloga notes, thirty Germans in WN 62 on Omaha Beach were able to inflict hundreds of casualties on the US 1st Infantry Division and to hold out for over six hours. In the British sector, the Hillman bunker complex prevented the British from getting into Caen on D-Day. By and large, the German beach defenses did their job admirably, inflicting several thousand casualties on the Allies and preventing the Allies from reaching many of their D-Day objectives. It was the German C2 errors that prevented a rapid and decisive commitment of mobile reserves that led to failure, not the concept of fixed fortifications. Furthermore, critics of the German Atlantic Wall rarely make any effort to suggest plausible alternatives for a resource-strapped Germany in 1944. The German defenses in Normandy were a good example of `economy of force' and not only were they useful on D-Day, but they helped to slow the Allied drive to capture ports like Cherbourg weeks after the invasion.
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text:
My husband and I came from Tampa, FL for a VT game. We absolutely loved Rockwood Manor. The house is incredible. There is beauty, history, and charm everywhere! Frank made us feel right at home. There is also an adorable dog named Chardonnay and she was a gracious host! We stayed in the Porterfield room and loved it! Every room in the house is unique with character. The property is so pretty with fields, barns, a small vineyard, and wildlife to see! Frank made us a delicious breakfast and we chatted with another couple staying here as well who also had a wonderful stay. I would absolutely recommend this place to anyone I know! It was a perfect weekend!
side note: the the couple who wrote a bad review, if you don't like southern hospitality from kind, wonderful and friendly people, don't stay in a B&B.
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Telephone & Addresses
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Marcus Lund
58102 Fargo ND
Marcus Lund (Age: 24)
54727 Cadott WI
Marcus Lund (Age: 35)
85326 Buckeye AZ
Marcus Lund, Fargo, 11th St N
View Marcus's social profiles and photos on Facebook, MySpace, and +40 Networks.
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LinkedIn: Marcus Lund | LinkedIn
View Marcus Lund's professional profile on LinkedIn. LinkedIn is the world's largest business network, helping professionals like Marcus Lund discover inside
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Marcus Lund Pictures | Getty Images
View of Family With Dog On Beach Fall Autumn. Find premium, high-resolution photos at Getty Images.
Marcus Lund | Overview | ATP World Tour | Tennis
ATP World Tour Scores. Scores, Draws & Schedules; Results Archive; Live Score App; Stats. Stats Home
Marcus Lund Numerology -- Soul Urge (Heart's Desire) Number 7
Marcus Lund's Soul Urge number describes his deepest desires and dreams and the person he truly wants to be. It reveals his inner, private self, the underlying...
USTA Leagues
Discover what 330,000 USTA League players already know and join the country's largest recreational tennis league – USTA League!
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proff: Marcus Lund Frølich – 2 roller i norsk næringsliv - Proff
Proff.no gir deg rolleinformasjon om Marcus Lund Frølich. Se hans roller (2) og relasjoner (1) i næringslivet - og hvilke bransjer Marcus Lund Frølich er aktiv i.
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Marcus Lund | Everything you could ever want to know about Marcus Lund
Marcus Lund is a writer who currently resides in the San Francisco Bay Area. If you'd like to contact him, you can email him here. You can also follow him on...
a life's story | Marcus Lund
Marcus Lund is a writer of fiction and non-fiction. He lives in Oakland, California and holds an MFA from Mills College. He is happy to have had his work...
Elder Marcus Lund
We walked 20 minutes from the central park in order to get to Junior´s house. We met with his mom who had her wrist taped up from a knife cut from the night before.
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classmates: Marcus Lund
Admiral King High School, Lorain, OH, 1995-1999
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findagrave: Lund, Marcus C
03/20/1896 - 12/14/1968, Suttons Bay (Leelanau County, Michigan)
findagrave: Lund, Marcus O.
10/12/1862 - 12/21/1893, Nashua (Hillsborough County, New Hampshire)
findagrave: E. Marcus Lund (1921 - 1988) - Find A Grave Memorial
Birth: Apr. 20, 1921. Death: Feb. 29, 1988, USA. Family links: Spouse: E. Tootie Lund (1921 - 2002)* *Calculated relationship. Burial:
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Marcus Lund (1815 - d.) - Genealogy - Geni
Genealogy for Marcus Lund (1815 - d.) family tree on Geni, with over 150 million profiles of ancestors and living relatives.
Person Details for Marcus Lund, "Denmark Baptisms, 1618 ...
Attention: This site does not support the current version of your web browser. To get the best possible experience using our website we recommend that you ...
Marcus Lund, born 1895 - Ancestry
Research genealogy for Marcus Lund, as well as other members of the Lund family, on Ancestry.
Marcus Lund - Genealogy
View Marcus Lund's genealogy family tree on Geni, with over 150 million profiles of ancestors and living relatives.
untitled books : thane lund
Untitled (Max Hoaglund). Untitled (Olga Brindar). Untitled (Trevor Burks). Untitled (Marcus Lund). Untitled (Loren Johnson). Untitled (Amber Moyles)
Books & Literature
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Karel Marcus Lund Daryl B - AbeBooks
Principles of Food Science (Food Science Series/Pt. 2. Vol. 4): Physical Principles of Food Preservation by Karel, Marcus; Fennema, Owen R.; Lund, Daryl B.
Marcus Lund (Editor of Hold) - Goodreads
Marcus Lund is the author of Hold (4.67 avg rating, 3 ratings, 2 reviews, published 2015)
portlandbeer.org | Blog Author: Marcus Lund
Summer in Portland, Oregon means a different beer fest every weekend. Usually these festivals are laden with lines that last thirty minutes, tents crowded with
Annual Report of the Railroad Commissioners - Google Books
... board, J. G. BELLOWS, Clerk. To H. W. Folsom, Esq., Supt. Connecticut $• Passumpic Div. Boston 8f Maine Railroad, Lyn- donville, Vt. Death of Marcus Lund, ...
Karlstad CCC on the App Store
Read reviews, compare customer ratings, see screenshots, and learn more about Karlstad CCC. Download Karlstad CCC and enjoy it on your iPhone, iPad, and iPod...
Scientific Publications
European Journal of Echocardiography: 11 (4) | European Heart Journal...
Select this article. Marcus Lund Frølich,; Einar Skulstad Davidsen,; Mai Tone Lønnebakken,; and Eva Gerdts. An unusual location of a papillary fibroelastoma ...
to find out more - RBS
"It is great that the funding is now in place and I am able to kick start the development work on the building for our distillery." Marcus Lund,. Owner of Fanny's ...
Football: ENGLAND WOE AS WALES GET OF THE HOOK.. James haul helps...
England's woes were further dented by Worsley's injury. He was replaced by Sale's Marcus Lund. The red marauders crashed over again.
Video & Audio
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Marcus Lund - Trampoline Summer 2012 - YouTube
We have worked hard for this edit! Give it a like? Camera: Panasonic HX-DC1 Song: Matisyahu Sunshine Editing Program: Adobe After Effects CS5.5 & Windows Liv...
Marcus Lund - Dailymotion
Mackimack77 on Dailymotion
Marcus Lund - Hudl
Check out Marcus Lund's Football highlights on Hudl. Marcus Lund goes to Carmel High School in Carmel, CA. Marcus Lund plays for the team Boys Varsity Football.
Marcus Lund - YouTube
Bedste kanal ever
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Google News: Palma rallies past San Benito
09.05.2012 [Monterey County Herald] - Marcus Lund broke up a 2-2 tie in the fifth with a run-scoring double and Tyler Knightpitched a three-hitter with eight strikeouts in the MTAL champion Padres' win over Stevenson. Matt Rudolph had three hits while Zach Schneider drove in two runs for
Google News: Roundup: Carmel, P.G. set up showdown
28.04.2012 [The Salinas Californian] - But Carmel scored two runs in the bottom of the inning on a two-out double by Marcus Lund. Palma 10, North Salinas 0: At Palma, the Chieftains won their ninth in a row by blanking the Vikings and staying on the heels of first-place Hollister in the
Google News: TAKING CHARGE
28.04.2012 [Monterey County Herald] - Ryan was speaking about the second inning when two-out singles from Dominic Bifano and Trey Coppinger set up Marcus Lund's two run double. "It's deflating on the other side,'' Bispo said. "It's like taking oxygen from them while giving yourself oxygen.
Saltaire landlord wants to have goats with his ale on ...
Marcus Lund, owner of Fanny's Alehouse in Saltaire, is now planning to make goats cheese and brew beer. Bradford Telegraph and Argus: ...
Reports & Statements
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pinterest.com: Marcus Lund Tattoo | Interesting Tattoos | Pinterest | Tattoo
This Pin was discovered by Jeannette Dykstra-Bowes. Discover (and save!) your own Pins on Pinterest. | See more about Tattoo.
marcus lund | Tumblr
Marcus Lund, a tattoo artist is supposedly one of the best in the Tampa Bay area. What nobody mentions, is how he's a jerk. My mom made an appointment with ...
comments - Reddit
Finally got the color done and I was stunned at the final product. Marcus Lund at 7th Ave Tattoo in Ybor City, FL. (i.imgur.com). submitted 1 year ...
Marcus Lund (marcus_lund) on Instagram | iPhoneogram
Marcus Lund. @marcus_lund. Instagram Photos. × close. 75. By marcus_lund · Marcus Lund If you want to learn something you have to sacrifice the time.
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Fredrik Uno Marcus Lund Hämplingevägen 8 Löddeköpinge ...
Ratsit.se erbjuder gratis upplysning och anmärkningskontroll till privatpersoner. Här finns taxeringsuppgifter på Fredrik Uno Marcus Lund på Hämplingevägen 8 ...
Gallery For > Marcus Lund Tattoo Nebula
Marcus Lund Tattoo Nebula. ... 8+9= You must enter the number 17 in the box below. Tatuajes Acuarela Marcus Lund 7th Avenue Tattoo Tampa Florida ...
Marcus Lund - Inkspiration World
Marcus Lund. Imagen. Tattoo Artist from Florida, United States. Photorealism, watercolor. *All these images are property of the tattooists, look, Like, but don't ...
Marcus Lund Frølich | Volvat
Marcus Lund Frølich. Volvat Oslo - Majorstuen. Stillingstittel: Kardiolog. Spesialitet/arbeidsoppgaver: Vi har kort ventetid. Volvat hovedkontor. Besøksadresse: ...
Marcus Lund I Love Watercolor Tattoos - Indulgy
Marcus Lund I Love Watercolor Tattoos by alfreda on Indulgy.com.
Marcus Lund I love watercolor tattoos - TattooEsque
Marcus Lund I love watercolor tattoos. All tattoo Ideas, Watercolor Tattoos. Marcus Lund I love watercolor tattoos ...
Marcus Lund Net Worth - Celebrity Net Worth 2016
Marcus Lund was born on April 17, 1968 in Leeds, Yorkshire, England. He is an actor, known for Threads (1984), The Final Frame (1990) and ...
Marcus Lund Photography | Corbis Images
Here are the latest images from Marcus Lund. This page is updated automatically each time new images are added. To view more details for an image, click on ...
Marcus Lund | 1603 Tattoo Co.
Marcus Lund was born is Lisbon, Portugal back in 1976. From an early age has been painting and drawing. "My soul purpose in life has been my art.
Mr Spencer Marcus Lund - Company Check
MR SPENCER MARCUS LUND - A free Director Summary including all company appointments. Instant Director Report for Risk Scores, County Court ...
Ryan Marcus Lund - CriminalFaces.com
Ryan Marcus Lund was arrested on in Ramsey Minnesota. Real time arrest data provided by CriminalFaces.com.
Ryan Marcus Lund Arrest Record - Minnesota, Ramsey Find ...
Ryan Marcus Lund Arrest Record in Minnesota, Ramsey. Ryan Marcus Lund is presumed innocent, until proven guilty in a court of law. Ryan Marcus Lund.
Watercolor/trash polka style (huge Marcus Lund and | Tattoo ...
Watercolor/trash polka style (huge Marcus Lund and Amanda Wachob fan). Budget: Between $300 and $600. Timeframe: Not provided.
Marcus Lund - Kiwi
Marcus Lund. @MarcusKusse. 0. Posts · 42. Followers · 17. Following. Follow. Cancel Done. Hide My Name Ask. Ask a Question. 0 · 0 · 0. Likers ...
My GameBook | Marcus Lund | Golf GameBook
Profile. MackeL's picture. Marcus Lund. ( MackeL ). Basic Stats. HCP2.1, Rounds3. Avg.77.00, Friends9. Season Best79Gul/Röd at Sotenäs GK. All Time Best74 ...
BikePics - Marcus Lund Osdal's Member Page on BikePics ...
1998 Aprilia RS 125. Photos: 15. Purchased: Apr 2006. Sold: Aug 2007. Info: Power valve, Dellorto 34, Jolly Moto and PiperX filter. Cool little rocket.
Marcus Lund | ask.fm/Marcussslund
Hvad er det hårdeste ved at arbejde på maccen? At være tvunget til at tilbyde fede mennesker en stor menu, med ekstra bacon/ost i deres burgere... At skulle ...
Like - tattrx
Marcus Lund Tattoo - Blue Orchids tattrx.com/artists/marcus-lund.
Bank cash supports new gin distillery | Insider Media Ltd
A six-figure funding deal from Royal Bank of Scotland is helping local entrepreneur Marcus Lund to set up a new gin distillery in Keighley.
Best Tampa Tattoo Artists | Top Shops & Studios
7th Avenue Tattoo. 1514 E 7th Ave, Tampa, FL 33605 (813) 443-0877. Tattoo Artists: Marcus Lund, Veronica Dey, Jarrod Site · Facebook · Yelp · Google ...
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Grand Cayman Dolphin Swim Adventure
Book your Grand Cayman Dolphin Swim Adventure and don't miss out on the experience of a lifetime! This interactive dolphin program in the crystal-clear waters ... Read more
Location: George Town, Cayman Islands
Duration: 30 minutes
Grand Cayman Catamaran Cruise with Snorkeling at Stingray Sandbar and Reef
What better way to discover the amazing underwater world of Grand Cayman than aboard a luxury catamaran? Set sail and visit the exciting Stingray City ... Read more
Location: George Town, Grand Cayman
Duration: 3 hours 30 minutes
Glass-Bottom Boat Tour to Stingray City
Experience Grand Cayman's top family attraction, Stingray City, on a 1.5-hour tour by glass-bottom boat. Stingray City is a natural home to a fleet of ... Read more
Location: Grand Cayman, Cayman Islands
Duration: 90 minutes
Grand Cayman Scuba Diving Experience for Beginners
Learn to dive in one day! Discover Cayman's abundant marine life of stingrays, manta rays, tarpon and eels. All your instructions and equipment is ... Read more
Location: George Town, Grand Cayman
Duration: 4 hours
Grand Cayman Stingray City Dive
Visit famous Stingray City and pet and play with the friendly southern stingrays. This area is renowned all over the world its abundant wildlife and ... Read more
Location: George Town, Cayman Islands
Duration: 2 hours 30 minutes


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Restating the Obvious
Harry Eagar
I am the former business writer for The Maui News, but will report whatever comes down the pike if it's news. Still trying to figure out how to be a Mauian, but with a continuing hankerin' for the food and music of my home state of Tennessee.
email: email@example.com
Crooked lawyers? Say it ain't so!
January 12, 2015
Lessons unlearned
January 11, 2015
A polite society
January 11, 2015
Rightwing takedown
January 10, 2015
Keep whipping inflation, NOW!
January 7, 2015
Liberal press gives O another tongue bath
January 5, 2015
Ha, ha! rightwing suckas
January 1, 2015
Breaking up is easy to do
January 1, 2015
Go ahead, Wayne, blame the 2-year-old
December 30, 2014
Our racist Republicans
December 30, 2014
Recycled satire
December 28, 2014
Strange tales of outsiders looking in
December 22, 2014
What I DON'T want for Christmas
December 21, 2014
Cliff Slater was right
December 20, 2014
Mr President, tear down that pipeline!
December 19, 2014
'Legitimate rape' part deux
December 17, 2014
Safety v.risk
December 17, 2014
Soft power works
December 16, 2014
A very, very bad week for gun nuts
December 16, 2014
Malaria is still the king of diseases
December 13, 2014


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MILPITAS, Calif. -- ConSentry Networks, a leading provider of secure LAN solutions, today announced a multi-year worldwide Original Equipment Manufacturer (OEM) agreement with Alcatel-Lucent (Euronext Paris and NYSE: ALU) for its award-winning LANShield Switch and LANShield Controller platforms as well as its InSight Command Center. Under the terms of the agreement, Alcatel-Lucent will market the ConSentry products under the OmniAccess SafeGuard brand across the global Alcatel-Lucent enterprise market beginning in March 2007.
Supporting both pre-admission and post-admission controls, the ConSentry LANShield family provides enterprises with a proven and affordable solution for controlling access to resources and applications on the LAN. Since introducing its Controller platform in September 2005 and Switch platform in May 2006, ConSentry has deployed LANShield systems capable of controlling more than a half-million end users. With todays agreement, ConSentry adds the power and breadth of the Alcatel-Lucent sales, service, and support teams to capitalize on that strong momentum and extend its leadership position.
The ConSentry platform is unique in its ability to provide both comprehensive threat control and identity-based access control, including the ability to provide per-application enforcement. We believe the all-in-one platform provides strong differentiation for security managers looking to increase overall security and improve visibility in a simple, cost-effective way, said Tom Burns, head of Alcatel-Lucent enterprise solutions activities.
Alcatel-Lucent (NYSE: ALU)
The cybersecurity profession struggles to retain women (figures range from 10 to 20 percent). It's particularly worrisome for an industry with a rapidly growing number of vacant positions.
So why does the shortage of women continue to be worse in security than in other IT sectors? How can men in infosec be better allies for women; and how can women be better allies for one another? What is the industry doing to fix the problem -- what's working, and what isn't?
Is this really a problem at all? Are the low numbers simply an indication that women do not want to be in cybersecurity, and is it possible that more women will never want to be in cybersecurity? How many women would we need to see in the industry to declare success?
Join Dark Reading senior editor Sara Peters and guests Angela Knox of Cloudmark, Barrett Sellers of Arbor Networks, Regina Wallace-Jones of Facebook, Steve Christey Coley of MITRE, and Chris Roosenraad of M3AAWG on Wednesday, July 13 at 1 p.m. Eastern Time to discuss all this and more.


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Search: skaterSearch profiles »
The Skater or Poser Test
Sup...This is the Skater or Poser test. Think your a skater? Think you got skill? But you can't even stand on a borad...see if you got sick skater ski...
The Are You a True Skater Test
Hi! And welcome to my Are You a True Skater Test. So many idiots out there think they are really a skateboarder but most just do it because its popula...
The Are You A True Skater Test
Whats Up! This test will see if you are a real skater or if you are just a really good poser! What are you waiting for, take this test now biotches!...
The CAN YOU HANG with a SKATER BoyFriend Test
Cheaaa...glad u could make it! Ok, we all know girls dig skater guys but have you ever wondered why? Well I'll tell you why, the truth is because skat...
The "Which '90s Ladies Figure Skater Are You?" Quiz
Find out which '90s ladies figure skater you are.
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Football Card Sets
Browse our database of football card sets which features set checklists, product highlights, reviews and football card price comparisons.
- 1950-1959 Football Cards
- 1960-1969 Football Cards
- 1970-1979 Football Cards
- 1980-1989 Football Cards
- 1990-1999 Football Cards
- 2000-2007 Football Cards
- 2008 Football Cards
- 2009 Football Cards
- 2010 Football Cards
- 2011 Football Cards
- 2012 Football Cards
- 2013 Football Cards
2013 Topps Triple Threads Football Cards
2013 Topps Triple Threads Football undergoes a few cosmetic changes. While the cards themselves may look different, the brand's core focus — low-numbered high-end hits — remains the same.
2013 Upper Deck Ultimate Collection Football Cards
2013 Upper Deck Ultimate Collection Football marks the brands return to the gridiron. The high-end NCAA release includes a numbered autograph and memorabilia card in every four-card box.
2013 Select Football Cards
2013 Select Football marks the brand's return to the gridiron following an absence of nearly two decades. Every box comes with four autographs, four Prizm parallels and a handful of inserts.
2013 Leaf Ink Football Cards
2013 Leaf Ink Football offers five autographs in every box. Each is a repurchased card slabbed and authenticated by PSA or JSA. Leaf pledges a strong focus on Hall of Famers and current superstars.
2013 Panini Prizm Football Cards
2013 Panini Prizm Football returns with all the hallmarks of the young chromium brand. Each hobby box has a pair of autographs and three cards from a growing number of Prizm parallels.
2013 Topps Prime Football Cards
2013 Topps Prime Football is a rookie-focused release that has four hits per hobby box, including an autographed relic and an autograph. Between relic combinations and several parallels, the set has plenty of variety.
2013 Panini Monster Box Football Cards
2013 Panini Monster Box Football is a value-driven package that includes five packs of 2013 Score Football packs and two 2013 Panini Prizm Football hobby packs. Each Monster Box also has three exclusive Prizm inserts.
2013 Leaf Best of Football Cards
2013 Leaf Best of Football highlights high-end cards from the past that have been bought on the secondary market and repackaged. Boxes also have one original art card.
2013 Topps Platinum Football Cards
Every 2013 Topps Platinum Football hobby box promises a trio of rookie autographs including one signed patch cards. A rookie Black Refractor is also guaranteed.
1988 Topps Football Cards
With a decent veteran checklist and the rookie card for Bo Jackson, 1988 Topps Football is a solid product despite the overproduction. Additional highlights include Dan Marino, Joe Montana and Jerry Rice, as well as the rookie cards for Vinny Testaverde and Chris Doleman.
2013 Panini Limited Football Cards
2013 Panini Limited Football is back with some updates to key parts of the product. Collectors will find three hits per box, and at least one will be an autograph.
2013 Panini Certified Football Cards
2013 Panini Certified Football arrives with a fresh new look. Hobby boxes promise four total hits, including at least one autograph. Mirror parallels return as do Freshman Fabric Autographs of top 2013 rookies.
1987 Topps Football Cards
Although not terribly rare, 1987 Topps Football features a clean design and a solid checklist. Highlights include the first NFL cards of Jim Kelly and Doug Flutie.
2013 Topps Finest Football Cards
Offering some early-season flash, 2013 Topps Finest Football is a rookie-focused release. Every box includes both a rookie autograph patch and an autographed jumbo relic as well as a mix of other inserts.
2013 Panini Playbook Football Cards
2013 Panini Playbook Football features a lot of tweaks from previous years. All cards are hits with four-card boxes delivering two book cards, at least one of which is autographed.
2013 Topps Football Cards
2013 Topps Football is "Legendary." At least, that's the theme that runs throughout it. Boasting an expansive checklist, the release also has a wide variety of inserts, autographs and memorabilia cards.
2013 Topps Inception Football Cards
Rookies, autographs and intense photography — 2013 Topps Inception Football has them all. Every single-pack box has a pair of autographs and a jumbo relic card. All base rookies are signed on-card.
2013 Topps Football Complete Set Hobby Edition
Not everyone wants to rip packs and boxes to build their sets. Enter the 2013 Topps Football Complete Set Hobby Edition. It offers the full 2013 Topps Football set and a handful of exclusive parallels.
2013 Topps Mini Football Cards
Following a mini card trend from Topps, this product is basically a miniature version of flagship Topps Football. This online exclusive includes one autograph or relic card per box.
1972 Topps Football Cards
1972 Topps Football is the only time that a Topps football product was released in three series. Top cards include the Joe Namath Pro Action card, and rookie cards for Roger Staubach and John Riggins.


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Interdisciplinary. Community. Advocacy. Humor.
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Sentiment: Strong Buy
xom has AAA balance sheet, with $20 billion share buyback every quarter + sustainable dividends over next 20 yrs.
So yes WLL is great ( i owned it, but sold it around 50), also long XOM.
You can sleep well at night with exxon, since share price is not going anywhere, it is solid investment stock.
WLL might be in low 30s if oil tanks, XOM will go down few bucks
Analysts have raised concern about Exxon's falling production and the higher costs of extracting hard-to-reach oil and gas.
CEO Rex Tillerson said that 2012 production fell short of the company's expectations because of "operational performance issues" at some facilities, lower prices and lower spending in Iraq.


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Gifts of the autumn are really wonderful, there are variety of healthful and delicious fruits & veggies. Almost of girls haven't never missed sweet of apples & pears, they also offer rich of vitamins and antioxidants. And queen of fall in Halloween night, it's squash, pumpkin bright gourds offer healthy alpha- and beta-carotene, which promote good eyesight…And more, the cabbage, rutabaga, and cauliflower gang provide a compound known as glucosinolates that may also have cancer-fighting potential…
And there are top of fruits & veggies for fall season
#1 Apples
These apples are the most favoristes of fall, you could see them evrerywhere and you always need to eat them as the best way offering water and vitamins for you body. That is amazing with more than 7,500 different types of Apple, Remember that Fuji apples have the highest concentration of phenolics and flavonoids, while Cortland and Empire apples have the lowest.
#2 Pears
These sweet fruits fall into two major categories : European and Asian. In the U.S., the European varieties, Bosc and Bartlett, are most common, and grow on the west coast during fall. Pears are high in soluble fibers, which helps lower "bad" (LDL) cholesterol. To get that daily dose of fiber and to satisfy a sweet tooth, snack on the fruit whole or incorporate into recipes from filling breakfast to healthier coktails
#3 Beets
You could buy beets anytime of year but beets are at their best in the fall. Your childs will always be excited with colorful of beets like reddish-purple color, golden, white, and even multicolored beets. To choose the best, you should look for firm, smooth bulbs and (if attached) bright, crisp greens. Toss the greens in salads and roast the beets for their betaine—a compound that may help prevent heart and liver disease—and nitrate, which may increase blood flow to the brain and potentially reduce risk of dementia.
#4 Brussels Sprouts and Cabbage
Like a famous veggie of fall – winter and go around the world, cabbage is indispensable in your meals, they are packed with vitamins A and C, and bring high concentrations of cancer-fighting glucosinolates You should look around Brussels sprouts in the market and try it for a savory start to your day.
#5 Squash
At the beginning of Octorber, squash is looked like the poster food for autumn. Summer squash are still available locally until October in some parts of the country, and winter squash begin to crop up (pun intended) as summer squash heads out. The gourd family offers varieties including acorn, butternut, and delicata squash, as well as spaghetti squash and its pasta-like strands.