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Thursday, January 31, 2008
New treatment might help Alzheimer's Patients
On Wednesday, Jan. 30, ABC "World News Tonight" (with Charles Gibson) presented a sensational medical story about how deep brain electrical stimulation surgery could bring back memories and is likely to improve the ability to learn. The treatment had been developed specifically for Parkinson's Disease, and was apparently being tried by the Cleveland Clinic and in Canada.
The hope is that the treatment could help restore short term memory or learning ability for patients with Alzheimer's Disease, especially in early stages. The name of the story is "Hope for Alzheimer's? Deep Brain Stimulation: Electrical Currents in the Brain May Help Patients Locate Lost Memories," link here.
Many times memory loss is related to circulation problems generating from heart problems, and not all dementia is caused by plaques as usually discussed with Alzheimer's Disease. It's unclear whether the effectiveness of this new treatment would depend on the clinical cause of the memory loss.
Posted by Bill Boushka at 5:29 AM No comments:
Wednesday, January 30, 2008
Adult children caregivers: how much help can they get with their own mobility?
Karma is a concept central to our moral thinking, something that takes the collective needs of families and communities and brings them down to figuring out the responsibilities of each individual person. An only child who does not have his own children may, given today's demographics, find himself increasingly exposed to responsibility for parents. A childless adult in a family with siblings may be singled out for more such responsibility (more or less a premise of the 1998 film "One True Thing"). States, given financial pressures today, may start enforcing filial responsibility laws on adult children (although the remarks on LTC insurance in the last posting are relevant).
One particularly troubling problem will concern balancing work and family. Family leave laws in the United States provide only for unpaid leave of finite length in certain circumstances. Even conventional families with children have issues with this. People may feel that someone in my position should not live in another city from an aging parent(s), because of the likelihood of disruption or neglect, unless the parent is placed in assisted living (at least), entailing large financial risk that could eventually fall upon the adult child in many states. I don't want to go into personal detail here, but I have looked again into a couple of measures to deal with this.
One is whether life alert systems really provide sufficient safety for elderly parents alone at home while adult children are away. I wrote about this on Nov. 15, 2007 on this blog. There are a number of companies offering varying levels of alert service, among which Life Alert is well known, somewhat expensive, and controversial. By the way, it's true that this kind of service has been around a long time. In 1985, in fact, a home security system that I bought in Dallas had a medical alert feature, but the resident had to get to the security box to use it. It's not hard to imagine technology that would make that part of a security system more portable. It's only logical to expect the potential for this sort of home monitoring to expand with wireless technology. Life Alert says that its customers can typically delay the need for assisted living for about six years. But even Life Alert (or C. Everett Koop) does not claim that moving into assisted living or a nursing home is never necessary, or can be prevented forever.
The other issue is the usefulness of home health companies, which offer caregivers. What is typical is that caregiving can be purchased (typically $15 to $20 an hour, depending on expertise and duties) for a minimum number of days and hours per week (two days and four hours per day is typical), up to live-in arrangements. Since 9/11, caregiving companies have become much more conscientious about illegal immigration, which admittedly was becoming an issue before 9/11. Still, the availability of workers (legally) in many metropolitan areas could become an issue as people live ever longer and are frail for longer periods of time. Some companies are run by larger area churches and are faith-based, so Republican (and Bush administration) claims that government should work with faith-based organizations may be well founded with this issue.
Caregivers may simply be "home companions" or they may have training for hands-on custodial care. In 2002, I remember there were programs in Minneapolis to hire "senior home companions" for a small stipend with the companions having a minimum age of 60.
The website giving extensive links in all geographical areas is this.
Most agencies will interview the person and the caregiver. They may insist on a more frequent schedule of visits. Some clients may have short term memory problems that would hinder self-administration of medication according to schedule if no one checks every day.
Adult children used to a large measure of independence and ability to pursue their own goals in their own retirement can find themselves challenged, even on moral grounds. They can be pressured to stay in a particular area and pursue hucksterish "careers" that may not work for their value systems, because of the needs of other family members. One way to deal with this, beside the LTC concept already discussed, could be, well before retirement, to buy larger homes than they need (which places additional financial risk and strain) in order to take control of any such family responsibilities and bring them to the geographical areas in which they want to live.
It now seems remarkable how the eldercare debate, when cast in terms of individual morality they way the debate over AIDS was in the 80s, can focus attention on individual responsibility, when families used to conceive themselves as living in cohesive and loyal units.
Update: Jan. 31, 2008
CNN has a major story, by Elizabeth Cohen, "Caring for Mom and Dad from afar" this evening. It mentions the particular problems for only children living afar. The link is here.
Posted by Bill Boushka at 4:23 PM No comments:
Labels: elder remote monitoring
Monday, January 28, 2008
LTC partnerships: could they help relieve filial responsibility?
Recently, a visitor to my blogs provided a link for Long Term Care Insurance information, and to begin this post I thought I would repeat the link. There is a tremendous volume of varied information about the long term care issue here, one important fact that only about a third of long term claims are actually to put people in nursing homes. A large amount has to do with help with custodial care at home.
The comment mentioned activity to form LTC partnerships in a number of states, besides the six I listed in my post.
One question comes to mind. Could long term care partnerships bear any relationship to filial responsibility laws? On the surface, they do not appear to yet, but there is obviously an opportunity for synergy. A state could set up a partnership, pass a mandatory long term care insurance law for younger workers, and then say something like this to the worker: "If you take care of yourself with respect to possible future long term care claims, and then your parents become indigent, we will relieve you of the financial responsibility for them and allow them to use Medicaid and welfare services." As public policy, that could make sense. Remember, long term care can happen to younger people, because of accidents or, rarely, congenital or genetic diseases. Karen Schiavo was relatively young and her tragic case probably started with accidental causes (check Wikipedia).
I covered the subject of filial responsibility laws or "poor laws" in some detail in July, 2007 and examined a number of states on this blog, with detailed links. (Check monthly archive links here.) I have received some email correspondence about it. So far, states have rarely enforced these except in the context of pre-Medicaid "giveaways." As budgetary pressures increase (even more so with the subprime crisis) that could change. LTC partnerships could be a very effective policy step for states, but they may only work with people young enough and healthy enough now to qualify, apparently. They won't work for everyone.
The major 2008 presidential candidates have remained asleep on eldercare and long term care issues. I'm surprised about this, unless they don't have any proposals, and feel that anything they say will drive away potential voters. Hillary, Barack, John (both of you), Rudy, Michael: where are you on this?
Posted by Bill Boushka at 6:13 AM No comments:
Labels: filial responsibility laws
Sunday, January 27, 2008
"No Country for Old People": Washington Post Outlook today
The Washington Post Outlook Section B1 ("Commentary") has a headline "No Country for Old People?" The subtitle reads "It's a tough time for seniors these days and getting tougher as the economy slumps. How can we enrich Americans' later years?" The headline obviously "exploits" the current hit "black comedy" film and Best Picture nominee, Joel and Ethan Coen's "No Country for Old Men," actually set a generation ago in the 1980s.
There are several provocative articles. On the right-hand column, Mark Freeman has "One More Time, With Meaning," here. This discusses the attitudes of the workplace toward aging. Corporations used to "expect" people to retire in the 50s and would push them out the door with buyout packages, and encourage them to start taking social security at 62. Gradually, companies, NGOs, agencies and individuals are trying to develop the right culture for "second careers" for boomers. This is difficult to pin down. There is a strong idea in many sectors that boomers should go out and "sell things," especially to other seniors, things like annuities, financial planning or Medicare Advantage (replacements or supplements). There is also an undercurrent in becoming involved in social work or social activism. One of the obvious opportunities for career switching would be into teaching. This works well for people with the right temperament. Retired military often do very well as teachers because they have developed the right "people skills" associated with the chain of command. IBM has been working on a teacher career switching program. People who have worked in technology largely as individual contributors and who were not parents themselves (or even some who were parents but in more culturally sheltering circumstances) may not have the empathy or psychological desire to act as authority figures in the lives of other people's children. This can be an issue for older GLBT people. On the other hand, if a separate market existing for AP math and science in high school, career switches might be able to move directly into these with much less certification education and without the need for "pseudo-parenting" skills.
Another article is "The New Alone," by Elizabeth Marquardt. The link is here. While starting with the issue of longer lifespans and lower birth rates (the latter may actually be reversing itself in the United States), the writer discusses the effect of unstable family structures on adult children of seniors, who themselves may have been through cycles of divorce and remarriage, creating complications (step-parents, half-siblings, etc.) and uncertainty as to who should be responsible for eldercare.
The most disturbing article may be "A Hidden Crime," by Marie-Therese Connolly, link here. The author will do a Q&A session for the Washington Post on Monday, Jan. 28, at 1 PM, link here.
The article deals with crimes against the elderly, sometimes by relatives or live-in boarders, as well as the extreme neglect in some nursing homes and retirement homes, which may have trouble hiring dependable help. She refers to Bette Davis 's quote "old age ain't for sissies" ("Whatever Happened to Baby Jane?") She makes the point that our society has focused on increasing longevity without a corresponding prolongation of vigor. The elderly live longer but become increasingly frail and dependent for a longer number of years. She calls this "the longevity paradox." This can have serious implications for adult children, especially in small families, and would lead to concerns about filial responsibility already discussed on this blog.
The January/February 2008 issue of Foreign Policy has, on p. 82, an argument by John B. Shoven: "New Age Thinking: The aging of the world's baby boomers won't be the crisis we fear: What we consider "old" has become old-fashioned," link here. Shoven argues that what really matters is morality at a particular age, and expected life span at any age increases relative to what it was in the past. The problem is, as Connolly's article (above) points out, the number of years of frailty and adaptive dependence may increase, and the number of years where one consumes and cannot produce or contribute in the competitive economic system seems to increase, raising moral issues about family responsibility.
Posted by Bill Boushka at 5:39 AM No comments:
Tuesday, January 22, 2008
Personal debriefing on long term care insurance
I did debrief a specialist in Long Term Health Care insurance today. Several interesting points came out. I want to keep them general, and some of them will need to be filled in with more details as time goes by.
First, long term care is itself a complicated and evolving concept. Therefore companies don't publish a lot of committal information about it, and like to set up in person interviews with potential customers. That makes it hard for the public to fully understand the problem, and for policymakers to deal with it. We have not seen the 2008 presidential candidates discuss it as much as we would expect, because the subject is mysterious and filled with potential political and social traps. Furthermore, the business of selling long term coverage requires professionals with strong and extremely patient "people skills" and social facility, beyond the analytic nature of the job, and it may not suit the temperament of many retirees who (like me) might have the technical knowledge for the job. The actual underwriting decisions are made in corporate offices, not by the agent making the presentations, although the agent can do some preliminary screening for customer eligibility.
One development is that a few states are exploring the concept of Medicaid "partnerships" with the long term care insurance industry. The states include Idaho, Florida, California, Utah, New York, and (as of fall 2007) Virginia. The programs may allow asset protection in conjunction with LTC insurance should the LTC be exhausted and the person go on Medicaid. Other states, like Massachusetts, seem to be looking into this, along with the possibility of mandatory LTC insurance for much younger workers, as is happening abroad (previous post).
Typically, companies offering LTC insurance have a maximum age, which may range from 79-83. Policies tend to offer a fixed pool of benefit money (in the hundreds of thousands) that may be indexed for inflation in some policies. There may be a deductible or a per-day copay, but the need for LTC care is viewed as a one-time event, and deductibles typically do not have to be repeated (as with normal medical insurance). Premiums do not continue to be paid once benefits start, unlike the case with medical insurance. Companies have very strict underwriting standards based on medical evaluation and medical records. Applicants might have to agree to some continuous monitoring. One question that remains is whether, in time, insurance companies will work out deals with LTC providers to offer care at discounted or preferred rates, which is generally the case with medical care contracts. The process can take some months.
It seems that someone in my situation (age 64) might be able to get a meaningful policy for $100 a month, but it would provide a very limited total potential amount of protection. State partnership rules (mentioned above) are strict about who can be considered to join them.
A number of large insurance companies offer LTC. AARP works with Genworth Financial, which has some distant connection to General Electric, which owns NBC.
A possible place to start looking for coverage in the DC area is Valltci.
Posted by Bill Boushka at 10:05 AM 3 comments:
Sunday, January 20, 2008
Overseas, some countries make LTC an entitlement or require insurance: Mass proposes mandatory LTC insurance
While politicians in both parties talk about making purchasing health insurance mandatory (and some states are doing this or are trying to do it), few politicians have seriously talked about making Long Term Care insurance mandatory.
One reason could be that insurance companies right now are so picky about who they take. But a (Republican, probably) case could be made for making people under a certain age (say 40) start paying for it with pre-tax dollars, and for not allowing companies to exclude anyone for pre-existing conditions, genetics, family history, etc. When started early in life, premiums would be easily affordable. Some diseases that cause the need for custodial care can occur much earlier, as can, of course, catastrophic civilian, non workplace injuries. Such a measure could be a major counterweight to the likelihood that many states will start enforcing their filial responsibility law on adult children.
On the international level, there is talk that long term care could become another entitlement. Japan implemented this in 2000. Naoki Ikegami has an article on AARP dated September 2005, "Design and Impact of Public Long-Term Care Insurance in Japan," here. The first subheading reads "Making long term care an entitlement." The article says "Neither the willingness and/or ability of family and friends to provide care, nor income is taken into consideration. The benefits are in the form of institutional or community-based services, not cash, with a 10 percent co-payment." Japan as a country, even though densely populated with a high standard of living, has had particularly severe demographic problems with an aging population and lower birth rates.
The AARP Global Aging Program home page is here.
Germany also has a mandatory LTC program, as described in BNET, "Germany's long term care insurance model: Lessons for the United States, from Journal of Public Health Policy, 2002 by Harrington, Charlene A, Geraedts, Max, Heller, Geoffrey V. (The link rates yellow on McAfee, so I didn't provide it.) A couple of quotes: "The German LTC program consists of a mandatory system in which employees and their employers make equal contributions to the LTC insurance program. Everyone with an income below the "income limit for mandatory health and LTC insurance" … Those with an income exceeding the income limit can opt either to belong to the social insurance system or to buy private insurance."
I was told about the program in Germany by a woman living there in a heated debate this afternoon in a chat room, in which there was considerable disagreement over the "moral question" of family responsibility, and whether adult children could be compelled to support parents (or even other family members) when they didn't ask to be born. It is not possible to resolve that, as it stirs heated emotions. (The language stayed civil enough.)
The practical point is that other countries are addressing the long term custodial care problem with structured programs ranging from entitlements to mandatory insurance, and that a mandatory program might work as part of the total solution to health insurance in the United States, with an emphasis on mandatory pre-tax premiums started early in one's working life, with supplements for low income persons. Certainly if adults take care of themselves, their adult children or siblings won't have to. (A quote in a CW "Supernatural" episode from Sam (Jared Padalecki) "I'm a big boy now. I can take care of myself.") Now, while filial responsibility may well come up in connection with assisted living or nursing home placement, it's possible to come up in general (if a senior is living alone but on welfare and Medicaid).
In fact, a site called PrepSmart discusses a proposal to require Long Term Care Insurance in Massachusetts (which does have a filial responsibility law: check my entry here: The article is called *Massachusetts – Long Term Care Insurance: A Must? No Way Jose., link here. The author suggests creating a trust fund similar to social security.
The Robert Wood Johnson Foundation reports "New York Program to Promote Long-Term Care Insurance for the Elderly Offers Full Asset Protection in Exchange for Mandatory Insurance, " url here.
In conversations, I find that many people are not very aware of the significance of the demographic changes (fewer children, longer lifespans) or of the potential legal issues with filial responsibility. The problem has developed very quickly, with unprecedented situations occurring for some people. The mainstream media does not present this problem fully, so people tend not to understand it "until it happens to them." It has the log term potential to turn our notions about responsibility v. parenthood upside down.
Visitors may enjoy this somewhat cutting poem by Phillip Larkin, mentioned in the chat room. No, you can't morally just "divorce" your parents unless you were abused or neglected. There is a legal process called "emancipation" which was dramatized with the character Nathan (James Lafferty) in the CW program "One Tree Hill."
Posted by Bill Boushka at 1:13 PM No comments:
Saturday, January 19, 2008
Social Security Trust Fund hits several breakpoints: beneficiaries need an actuary to explain them
Justin Fox has an important and educational column "The Curious Capitalist" titled "The Boomers Hit 62" on p. 57 of the Jan. 14, 2008 issue of Time Magazine. The subtitle reads "Yes, they'll drain Social Security by 2041. But the money problems will begin long before that." He has a blog about this on CNN here: and the original article is here.
There are a couple of breakpoints here. In 1983, he writes, Congress mandated some additional payroll taxes, put some federal employees in the system, pushed up full retirement age to 67 for younger people, and allowed certain social security benefits to be taxed in some cases. This helped social security run a surplus.
As he explains, the surplus was invested in United States bonds, and now these "IOU's" on future tax revenues come due. That all means that Social Security starts running a deficit in 2011 (I will be 68). It runs out of money in 2041 (I'll be 98 and hopefully able to learn the truth about life in other places in the universe). He notes that Baby Boomers are likely to put in more in FICA taxes than they pull out, and than people born before 1937 effectively have wealth redistributed to them. This all had started, remember, as an FDR welfare program; it became a "retirement" program only later. But, in the grandest sense, Social Security is like a out-of-home sales pyramid, because the first to get in get the most out of it relative to what they put in; hence the term "Ponzi scheme".
Over time, as people live longer, we expect them to work longer; employers have not always gone along with this, and seem to want the riskiest employees out the door in their 50s, unless then have unusual skills. One way to change that trend (as noted on my main "issues blog" Jan 17) is to stop depending on employers to provide health insurance (a practice started during and after WWII when they needed workers badly) and provide some portable way for people to save, tax-free, for health care (or buy premiums tax-free) over a lifetime, with insurance really for catastrophes.
Employers have created another controversy, but telling older employees that they should begin social security payments at 62, and by designing pension social security bridges and offsets around that idea; as recent media reports (particularly in USA Today) note, that is not necessarily a good idea and could lead to poverty in extreme old age for people who live long enough (especially women or surviving spouses).
Social security payments depend on lifelong work-eligible history (at least 40 quarters, which extend benefits to legal spouse and sometimes minor children), and poverty sometimes means that claimants have less work history to base claims on. This can lead to the indigent parent issue and the future prospect that some states could start enforcing filial responsibility laws on adult children as demographic and fiscal pressures increase.
Picture: Old Masonic Building near African-American Civil War Memorial, U St NW, Washington DC
Posted by Bill Boushka at 9:13 AM No comments:
Labels: social security
Friday, January 18, 2008
What about pensions and working for a competitor?
Sometimes a question comes up whether an former employee can lose his pension if he or she goes to work for a competitor. There seem to have been some cases like this with insurance agents. There was a case Bilec et al. v. Auburn & Associates, Inc. et al., 588 A. 2d 538 (Pa. Super. 1991) where an agent had agreed to a non-competition pension forfeiture clause. However, the former employer apparently terminated business, and an eventual appeals court rulingfound the non-competition clause violated "public policy" in Pennsylvania.
There have been a few news stories like this over the years, but relatively little shows up on the issue with search engines. It seems that there may be a bigger issue where the pension was based on some sort of matched contribution program than a flat pension. It seems that with most cases of straightforward employment, this does not become a problem.
When a person goes back to work for the same employer (or an employer who bought the company) it may be a different matter. The pension may be stopped, and in some cases the person going back to work should make sure that his compensation package, however it is structured, takes this into consideration. If the employer needs his skills because of their specificity, the employee might have the upper hand in negotiating.
If a visitor knows of some more specific cases, I would appreciate detailed comments.
Posted by Bill Boushka at 9:58 AM No comments:
Labels: pensions
Thursday, January 17, 2008
Early retirees struggle with health insurance; At 65 many employers limit coverage to Part D once Medicare eligibility starts
"Reactions to changes on changes to retiree health benefits rule" in USA Today Jan 11, by Stephanie Armour, story here, is an article that discusses the recent EEOC (Equal Employment Opportunity Commission, which often does what it wants) rules changes that allow employers to provide fewer health benefits to those over 65, once these employees become eligible for Medicare. Now this practice will not be viewed as illegal benefits discrimination based on age. Conservatives argue that this change allows employers to provide better bridge benefits to those under 65.
Many retiree health plans convert over to a "Prescription Drugs" only once the employee reaches 65, sometimes at prices higher than what the employee could find in the market. Prescription drugs are a big complicated topic with Medicare Part D, the topological "doughnut hole," etc. Some retirees will not find keeping this coverage economical. A common blood pressure medication, Atenolol, typically costs relatively little (generic) out of pocket and would not be worth a premium. Competition among drug companies for medications for widely treated conditions can lower costs.
Sandra Block has a big story today in USA Today, Jan. 16, "Early retirees try to fill the cap in health coverage," link here.
Posted by Bill Boushka at 5:37 PM No comments:
Wednesday, January 16, 2008
Long term care insurance: Forthcoming visit from the underwriter
Recently, a representative from AARP called me regarding a question I had asked about Long Term Care Insurance on their website. Or it may be in response to a mail-in form from October, which I wrote about in this blog in October, here.
The caller indicated that it is impossible to give quotes over the phone, and that over a certain age, persons wishing to apply for insurance must have a personal interview. I did schedule one. There will be questions about medical history, and the insurance company will review medical records, presumably to prevent anti-selection.
It's obvious, of course, that actuarially, the younger a person starts paying premiums, the lower they will be. As filial responsibility becomes a more pressing concern because of demographics, states will feel political pressure requiring younger workers to purchase long term care insurance for themselves (to prevent a burden on adult children or on Medicaid). Perhaps they will also feel pressure to prohibit insurers from requiring genetic tests or considering family history.
I wondered what kind of a job it would be to interview people and have to make underwriting decisions about insuring them – to protect "Medicaid" or protect their adult children. These are not decisions about people that I would want to have to make in order to make a living.
Posted by Bill Boushka at 11:33 AM No comments:
Tuesday, January 15, 2008
Conventional wisdom on retiring at 62 challenged; seniors feel need to accumulate more wealth before "retiring"
USA Today on Monday, Jan. 14 had an interesting story about the common advice to start social security at 62 (with a "protective application statement"). The story, by Sandra Block, is "Boomers' eagerness to retire could cost them: Filing for Social Security at 62 raises risk they'll outlive their money," link here. The USA Today website header banner above this page is "Turning 62: Day 1: The retirement book begins."
The article goes on to note that SSA believes the "break even" lifespan for age 62 retirement is 77. But lifespans are increasing more rapidly than has ever been expected, partly because anti-cholesterol and heartbeat regulating drugs are so effective (and have often become much less expensive in generic mode), and Medicare has extended lives extensively with lifesaving surgeries (such as coronary bypass grafts), especially for women, who still outlive men. SSA benefits are supposed to be determined actuarially according to expected lifespans and "present value" formulas. It isn't clear if they will be expanded, since there is so much concern about the eventual fiscal stability of the Social Security Trust Fund. Furthermore, many early retirees are in circumstances that, because of other income, they may pay taxes on up to 85% of their benefits. Retirees may want to consider staggering their incomes (age of beginning SSA collection, pension collection, and 401K payouts). Financial planners may have a lot of work to do in developing algorithms to maximize income. Corporations tend to plan on employees' starting Social Security at 62 by the way they design social security bridges and offsets in their pension programs (for those companies that still have them), and this really complicates the financial strategy for the retiree. This corporate policy needs to change, too. Life insurance companies may have to reconsider how they hire agents, focusing on analytical and mathematical skills rather than just the social skills of "getting leads."
A "Financial Futures" story on page F01 ("Business") in the Sunday Jan. 13, 2008 Washington Post by Martha M. Hamilton reads "It Might Take 10 or 12 Times Salary for Retirement," link here. That is, people should not retire until they have accumulated 10 times their annual income. That idea could generate the notion that more seniors go into sales activity, selling "lifestyle" (like retirement real estate or long term care insurance) to their peers. Many life insurance companies have separate subsidiaries for "high net worth individuals" because they find they can cross-sell more easily to these persons when set up this way.
Update: Jan 17, 2008
Kathy Chu in USA Today has a story "How Do You Make a Lump Sum of Your Life Savings Last?", story here.
The story mentions a proposal by Michael Huckabee to buy out current retirees with lump sums. At age 62, a typical lump sum could be around $300000. Some retirees say that they take the "protective coverage" at 62 out of a belief that they would be grandfathered if a political catastrophe cut them off. Some say that the social security tax wage base will have to be raised (over $102000) and some say that the portion of social security tax raised could raise over the 85%, and others fear that earnings limits rules on early retirement could get stricter. Another threat is that Medicare coverage could get much weaker as people live much longer and costs for heroic life-saving or life-extending treatments continue to increase.
Posted by Bill Boushka at 3:46 PM No comments:
Sunday, January 13, 2008
Many people get tripped up by SSA earnings limits that go with early retirement
Today, I got a question from someone who got tripped up by Social Security on earnings limits before full retirement age. Although I won't reproduce the person's details here, I'll write what I think is a general answer for this kind of problem. Here is how I answered it, with a little bit of generalization for a public blog.
Obviously, any claimant would need to talk to an SSA attorney oneself to take any action or to contest a SSA recoupment of a purported overpayment. Sometimes a recoupment is waived if it would "defeat the purpose" of the SSA retirement program. Here is a place to start hunting for an appropriate attorney.
The visitor had trouble getting a copy of SSA's exact rules. But the precise administrative regulations for paymnents are available online, here.
The main reference to the Social Security Manual is here. It is called the SSA Policy Information Manual System, or POMS. The specific reference for the Annual Earnings Test is here.
Social Security Administration representatives are supposed to follow the rules in the POMS manual "to the letter" in specific cases. They are supposed to use as little personal discretion as possible.
Generally, SSA rules are strict about earnings when you "work" for someone else. What doesn't count is income from pensions, investments, 401K withdrawals, etc. (Here is an important summary reference in "baby language", not from POMS). From the viewpoint of social policy and fairness, I don't think that the earnings limit makes any sense any more. The rules ought to be changed, but Congress would have to do that. SSA says it just has to follow the laws made by Congress. I would write my own congressman (woman) in your area and ask for his/her views on it. Most people in Congress respond to questions like this promptly and most of them have email links on their websites. The main House website is here.
Social Security has specific rules when you "retire from your own business" here.
Social Security may also question if you go to an employer (especially a previous employer) and take less money in order to receive social security before full retirement age. They will expect you to press your employer to pay you a "fair market wage" for your work, something like what you made before. This is like the "Wal-Mart Problem". They don't want companies to take advantage of social programs to pay workers less. This is a legitimate question of public policy.
Anyone who goes back to work "for someone else" after starting social security before reaching full retirement age should proceed carefully, and negotiate properly with the employer, and then notify SSA. One should be paid the full market value of one's work. It may be advantageous, even if working as a consultant for a former employer, to work for a staffing company that provides benefits and 401K matching. If it wise to consult with a union or guild (like SAG or WGA) if that is relevant to the job one is taking, to make sure one gets all compensation for which one is entitled from an employer. If the job is specific in nature and the employer needs the skills of the employee who had retired, the employer may be willing to pay more if pressed. Many jobs will pay enough that Social Security will be stopped entirely until reaching full retirement age or else retiring again, but when payments are resumed, they should be higher, to reflect actuarial factors as well as (often) a longer record of SSA FICA tax payments making the average for the best earnings years higher.
When one goes off on a new track and freelances (as a "starving artist") one generally has to report the income one actually earns, but it does not seem that SSA gets overly concerned whether one could earn more or "lowballs" because one has retired. The situation when drawing state unemployment insurance may be different, depending on the state. (I have not found any rule that would could unemployment compensation as "earnings.") People who earn commissions by sales jobs (either in "pyramids" or in more formal positions as insurance agents) -- activity that people sometimes start after "retiring" -- generally must report these as income when the work that earned the commissions (closure of sale) is completed, but it can be complicated. In life insurance both original and renewal commissions appear to "count". The most important POMS reference is here, but there are several other specialized rules there in the POMS index.
Picture: Bobbleheads for Washington Nationals 2008 season in new ballpark.
Posted by Bill Boushka at 12:58 PM No comments:
Labels: social security
Wednesday, January 02, 2008
Defined benefit pension plans -- an old topic, but still deserves an overview
This is just a reminder note about how most older defined benefit pension programs work. Of course, many companies have frozen these as of a particular year.
A retiree who is legally married will normally be offered "life with 60 months certain" (or 5 years certain) as a default option. If the retiree dies before sixty months and the legal spouse is still alive (and was still legally married at the time of death) he or she continues receiving benefits up to sixty months from the time the retiree started receiving benefits. However, for the retiree himself or herself, the benefits continue until death. In the case of a same-sex couple, in a state where same-sex marriage is legal (Massachusetts) and where the couple used this possibility, then the pension would be treated the same way. However federal law does not give certain tax benefits to same-sex couples even when the state recognizes it, as explained in this Massachusetts Mutual document SEC info document (look for "same-sex marriage").
Normally, a legally single person can name a beneficiary (like a domestic partner) and structure the benefit the same way. A typical example is American Airlines, here. Although maybe improbable, a few mean-spirited states could try to ban this for same-sex couples. I would expect the debate on this to continue, and further changes may happen in the law and in company plans.
A legally single person can also elect a Single Life Annuity with no period certain upon death. The liability of the company ceases upon the person's death. The payments are slightly higher, typically about 2%.
Changing the default for a married person usually requires the permission of a spouse. (To the extent that this is driven by federal law, it's unclear that it could be enforced in Massachusetts with a same-sex married couple, but hopefully that's a moot point in practice.) It's possible to lengthen the period certain (even as long as 240 months or 20 years), or it's possible to construct a Joint and Full Survivor Annuity or Joint and Two-Thirds Survivor Annuity.
Visitors may want to check out the Fulcrum Inquiry Retirement Savings Calendar, here.
Posted by Bill Boushka at 2:40 PM 1 comment:
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Break from the norm and boost your strength with these advanced approaches.
Thursday, April 2, 2015 - It may seem like the unshakeable foundation you have been seeking is now very close to materializing -- even if it's still just somewhere out on the horizon. You nostalgically yearn for a lost certainty to guide you through the complex choices ahead. But your potential growth depends upon temporarily letting go of your dreams of stability. Instead, be open to fulfillment in the present moment and not in some distant future. Be here now.
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When it comes to gym etiquette , we already know to avoid cellphone conversations, re-rack our weights, and curl anywhere outside the squat rack. But there are plenty of lesser-known blunders you could be making at the gym that upset and disrupt others. Worse, some of these mistakes could negatively affect your health.
Most trainers would agree that forearm training for development is usually most effective when the muscular endurance and time under tension is maximized. Exercises like farmers walks, fireman's carries, and other dynamic movements that involve isometric grip holds are key. Keep in mind that you can only lift as much as you can hold. The progression you see through these exercises will also be an indicator that your grip strength has improved. This has a huge carryover to your deadlift, weighted pull-ups, and rows. Don't be afraid to use a "pinch grip" in your loaded carries with lighter weight too. Simply hold the weights between the fingertips, and not within the palm of the hand.
Whenever my girlfriends list the qualities they desire in a man, confidence is always at the top. As a gym-going guy, you already know that improving your physique will help you feel better about yourself and project the kind of self-assuredness that attracts women, but not just any weight workout will get you there. As a woman and a trainer, I've got the insight to tell you how to build a body that will excite and please girls. Best of all, you'll see results after just a four-week investment.
Break through strength plateaus and open up a whole new world of weightlifting with these eight ways to overload your lifts.
Before you grab a kettlebell, make sure you're not risking serious injury.
Whether gluten messes with your gut or you're simply on a mission to mix things up in the morning, try these energy-boosting breakfasts from The Big Book of Gluten-Free Recipes, a collection of 500+ easy, wheat-free meals and snacks.
It's time to stop giving fat such a negative connotation -- eating it doesn't necessarily mean you'll pack on the pounds. To get fat, you have to eat the "bad fats," they're the fats that will make your cholesterol skyrocket along with other health consequences. Stray away from them and delve into the "good fats," the omegas and polyunsaturated fats. Surprisingly, these fats help build muscle by heightening testosterone levels. High testosterone levels burn fat and build muscle. So keep your fat macros at 25 percent of your daily caloric intake.
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So if you want to know how to potentially help your system–as well as what benefit you'll really receive from those juice cleanses–then it's time to sip on a drink called truth serum. In this case, the information is powered by Brad Pilon, author of Eat Stop Eat, research genius, and pioneer in intermittent fasting. Bottoms up.
Immerse yourself in the unique flavors—and health-boosting benefits—of tea.
Heavy weights and compound lifts should always be your cornerstones, but that doesn't mean Swiss balls are just for the ladies in the aerobics studio. These five moves can not only strengthen your core , but liven up your program and help you break through training plateaus .
There's an ingredient at the salad bar you should be piling on your plate. Hint: it's not a vegetable, but it can bolster their nutritional value, according to a study from the Federation of American Societies for Experimental Biology.
ANGT (America's Next Great Trainer) presents America's Hot Girls of the Gym. We hit gyms across America to catch some of the hottest, fitttest girls in action. In the first of a series, this gallery showcases those who have put their time in at the weightroom to build a rockin' physique. So check these hardbodies out and get inspired to build your own masterpiece in the gym.
Rather than standing around for minutes just to do a certain exercise, use substitutes that target the same muscle groups, have similar intensity (if not more), and require minimal equipment. You'll be able to get more work done at the gym, save time, keep your heart rate up, and get more results.
When you tweet with a location, Twitter stores that location.
You can switch location on/off before each Tweet and always have the option to delete your location history.
Learn more
Young individuals in the study either completed a moderate-intensity exercise or a high-intensity exercise before ingesting a fat-packed milkshake. The results: 25 minutes after completing moderate-intensity cycling, there was less of a decline in blood vessel function after consuming the shake. But in just eight minutes for the high-intensity cycling group, there was not only a preventitive fall in blood vessel function but also a significant improvement in overall blood vessel function that was greater than the moderate-intensity exericse group.
Who says girls aren't strong? Check out this clip of 15 year old Maryana Naumova breaking a bench press world record at the 2015 Arnold Classic in Columbus Ohio! Pretty impressive stuff from this MHP athlete.
1. How To Enter: Beginning at 12:01 a.m. (EST) on March 30, 2015, visit www.muscleandfitness.com/giveaways and follow the 'Win Javapro RTD' directions. Each entry must contain answers to the questions posed to qualify for the drawing. All entries must be received no later than 11:59 p.m. (EST) on April 12, 2015. Only one internet entry per person and per e-mail address will be accepted. Subsequent entries will be disqualified. Subsequent attempts made by the same individual to submit multiple internet entries by using multiple e-mail addresses or otherwise will be disqualified. In the event of a dispute over the identity of an online entrant, entry will be deemed submitted by the authorized account holder of the e-mail address associated with the entry. Authorized account holder is defined as the person assigned to an e-mail address by an Internet access provider, on-line service provider or other organization responsible for assigning e-mail addresses. All materials submitted become the property of Weider Publications, LLC ("Sponsor") and will not be returned.
Shredded in 6 Days: http://goo.gl/69EtE1 Need to look extra lean and hard in under a week? Here's your plan. pic.twitter.com/hugfXLqvgf
Standing Barbell Calf Raise with Deadlift Hold
Kevin DiGiorgio 800 lb box squat Elite FTS Safety squat bar Westside barbell training methods
Eating seven servings of fruits and vegetables a day (that's the latest recommendation , in case you hadn't heard)? Good for you. But, if you're eating conventional produce instead of the organic stuff, you may be doing more harm than good. Produce sprayed with pesticides may significantly decrease your sperm count, according to research published in the journal Human Reproduction .
Squat Every Day will challenge you, test your resolve & reveal your character. Are YOU ready? http://bbcom.me/1DnBOxY pic.twitter.com/PVRKxRYHaa
And become a Charter Subscriber today to Eat This, Not That! magazine and save HALF OFF the cover price, plus we'll rush you—absolutely free with our compliments—a FREE COOKBOOK.
"We all walk in the dark and each of us must learn to turn on his or her own light."
- Earl Nightingale pic.twitter.com/wUAxVj4w8Z
However, fish oil is now the third most widely used dietary supplement in the United States—about 10 percent of Americans take the pill believing the omega-3 fatty acids will bolster their heart health — according to the National Institutes of Health . So, should we just flush 'em down the drain? Of course not. Just because fish oil may not live up to the touted heart health benefits, doesn't mean there aren't other reasons to take them. You can also get the omega-3's in these foods if supplements aren't your thing. To prove it, here are five other ways you can benefit from fish oil.
The UFC 189 tour stop in New York was timid in comparison to the recent scene in Dublin. The whole tour was highlighted by a growing dislike between the two fighters that culminated in Dublin when McGregor snatched the belt from Aldo, which clearly infuriated the champion. Check out the footage below.
Twisting hanging leg raises is one of the best exercises for developing obliques. @Sergiconstance strongly agrees pic.twitter.com/7qnMdZY3uv
First there were cycling studios. Now, there are treadmill iterations that borrowed the format from it's predecessor and revamped it into group running classes. The Mile High Run Club (MHRC) is one of the pioneers offering interval runs (sometimes with a strength training component) to hoards of New Yorkers. But you don't have to live in NYC to get the benefits. We had MHRC founder and running coach give us eight of her favorite treadmill interval workouts that can do at home or at the gym. Work one of 'em into your running routine once or twice a week and we guarantee you'll see a dramatic increase in speed and endurance on the road.

subset: commoncrawl


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Northwest Cadence - Modern Marketing: The Intersection of IT and Marketing
Northwest Cadence helps companies design and execute Modern Marketing efforts to predict customer behavior and improve pipeline generation. Through a collection of interactive visualizations and machine learning tools, our customers have the ability to analyze marketing efforts and predict the effectiveness of marketing campaigns in real time.Contactar parceiro Assistir ao vídeo
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The Intersection of IT and Marketing
At Northwest Cadence, we feed various forms of data into predictive models to forecast customer behavior and improve pipeline generation. As part of our Modern Marketing solution we create interactive visualizations giving you deeper insights into your marketing efforts.
You are presented with an opportunity requiring a new marketing campaign. You want to use your company's data to analyze past marketing efforts in order to make the most of this new opportunity. The only problem is, like most organizations, your company struggles with an inefficient and unwieldy reporting solution. This makes it difficult to decipher the data; leaving you with unanswered questions, such as:
- Which regions are consistently under-performing or over-performing? Why?
- What is the estimated revenue a marketing campaign will bring in? What is the return on investment for that campaign?
- Which customers can we expect to gain from a marketing campaign? What is the projected value of the new customer?
- Who are my top salespeople and managers?
- What type of interaction should I have with my customers?
Northwest Cadence uses Power BI and sophisticated Machine Learning techniques to deliver amazing insights that enhance your internal CRM data. By pairing external data sources with the information you already capture, we create intuitive and actionable visualizations that allow you and your marketing teams to analyze and project the impact of future marketing efforts. Now, you can easily:
- Visually drill down and slice geographic data on an interactive dashboard.
- Identify customers and revenue that resulted from each marketing effort.
- Employ machine learning to estimate revenue and contrast the prediction with actual revenue.
- Analyze return on investment metrics for different types of marketing campaigns.
- Breakdown and analyze sales revenue by salesperson, manager, and location.
- Use data captured in your CRM tool to feed Machine Learning algorithms that will suggest the "Next Best Action" a salesperson should take to complete a sale.
The ability to evaluate and predict outcomes of marketing efforts allows your organization to compete in the modern marketplace. Northwest Cadence specializes in transforming data into actionable and automated insights with advanced analytics and interactive Power BI visualizations.
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The 46th Bundesliga season officially opens on 15 August with one of Germany's most enduring battles for supremacy, Bayern Munich against Hamburg, the club known to all and sundry as HSV. It promises to be a very special occasion for the northerners' new boss, as Martin Jol featured as a player for the Bavarians back in the late 70s.
The 52-year-old has now been tasked with rousing one of the league's sleeping giants from a period of relative torpor. FIFA.com spoke to the Dutchman, at the helm with Tottenham Hotspur in the Premier League until October 2007, about the forthcoming campaign.
What are your initial impressions after your first few weeks at Hamburg?
My first impressions are excellent. I sensed the locals' passion for HSV from my first day here. Working with the squad is unbelievably enjoyable, the conditions here are sensational. The training facilities have been extended even further over the summer, and I've never seen anything like it at club level. We're just back from our training camp in Austria, where we knuckled down to the job and got to know each other better.
Hamburg finished fourth last term. Can you improve on that this season, and what are you aiming for with HSV?
Obviously, we want to make sure we qualify for Europe. HSV have made it into Europe for the last five seasons, and our fans don't want to miss out on that in the future, so we should do what it takes to fulfil their wishes.
The club has brought in a number of new faces, but is it enough to make progress in the Bundesliga and the UEFA Cup, are is there another big name in the pipeline?
Right from the start, I said we'd only bring in new players if they genuinely make us stronger. The squad which finished fourth last season is fundamentally intact. You don't finish fourth in the Bundesliga without a good squad. We've brought in Pitroipa and Aogo, two of the best players in the second division last season, and they've already hinted at their potential since arriving here. They'll both continue to develop and hopefully make the breakthrough in the Bundesliga very quickly.
How good is the Bundesliga compared to the Premier League?
A poll of experts recently named the Bundesliga, the Premier League and La Liga as Europe's strongest leagues. Who am I to disagree with the experts?
The big guns like Barcelona, Chelsea and AC Milan have all invested heavily this summer. Who'll finish top of the pile in Europe?
The UEFA Champions League has been something like a private club from the quarter-finals onwards in recent seasons. Forcing your way in is unbelievable difficult. I'll be interested to see whether Bayern manage to be there or thereabouts when the trophies are handed out this term, but there's no way I can predict who'll actually finish out in front. The decisive factors are form on the day, stronger nerves or luck.
New Bayern coach Jurgen Klinsmann has been praised for his innovative training methods. Is the fuss over justified?
I really can't answer that question. I only know Jurgen Klinsmann off the TV, although that's set to change on 15 August.
The likes of Huub Stevens, Fred Rutten and Guus Hiddink are all the rage at the moment. Why are Dutch coaches so highly valued right now?
What do you mean by right now? My country has always produced outstanding coaches. We have two more Dutch coaches in the Bundesliga now with Fred Rutten and myself, and Monchengladbach's Jos Luhukay means we're three in total, so it was always going to become a topic for debate.
The last four at the 2006 FIFA World Cup Germany™ all came from Europe. Was that just a snapshot in time, or is European football stronger than South America, for example?
The likes of Brazil and Argentina have no reason to fear anyone, and are capable of beating any European nation on a good day. But European football is very evenly-matched at present. It was almost impossible to name a favourite for UEFA EURO 2008. Germany, Spain, France, Italy, Croatia and the Netherlands were all in the frame, and these are all nations capable of making the last four at the World Cup.
Do you see yourself coaching a national team one day?
I've only been in charge at HSV for a couple of weeks. I can't be thinking about anything else at the moment.
The Dutch won admirers for their refreshing attacking football at UEFA EURO 2008, but were eliminated in the quarter-finals. It's 20 years since the Netherlands won a trophy, despite boasting players such as Van Nistelrooy, Robben and Van der Vaart. What has to happen for the Dutch to succeed on the international stage?
So Mr Jol is supposed to speak up now and tell his fellow countrymen how to make it all work? You'll have to let me think about that one!


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There are several things you can do to increase your business. One of the ways to increase your business is to invest in a free phone number such as 0800 numbers. There are a number of advantages of investing in a free phone number. Research shows that more than 90% consumers first call a free phone number as compared to a paid number. In other words, investing in free phone number allows you to get much more sales enquiries as compared to a regular number.
It is important to mention here that it is a virtual phone number that allows you to be completely flexible. There is https://www.net-telco.net company that provides this virtual phone number and they also offer a variety of call management tools to allow you to get the most out of this free phone number. You can forward this free phone number to a mobile number or a landline of your choice. So, when a potential customer calls a free phone number, it is automatically redirected to the specified number through the control panel.
Several companies provide control panels with a variety of features such as call hunting feature. This particular feature allows you to first direct the phone to a particular number which is then forwarded automatically to another number if nobody picks up the first one.
Overall, it is a fantastic way to encourage sales enquiries. Also, these numbers do not cost a lot of money and there are several companies offering a variety of features with this free phone number. Once you invest in a free phone number, you can advertise the number everywhere including your local newspaper, online directories, Yellow Pages and review websites to get increased sales enquiries from potential customers.
Keep in mind that you will have to pay for receiving those calls. Consider it a cost of business but it has been observed that most businesses that invest in a free phone number end up retaining it as it is a highly effective sales tool when used in the proper manner.


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Eastern Sierra Fall Color Guide
Monday, March 09, 2015
Spring Wildflowers in Southern California - A Rare Sight Nowadays
California has entered its 4th year of drought. We don't get much rain anymore even though we are currently having an El Nino. But luckily, we still had some rain late in the winter; thus wildflowers start to bloom vibrantly on desert floors. We went to Anza-Borrego Desert State Park on Saturday and witnessed one of the most beautiful sight that I haven't seen for years. Every year, I always watch closely the wildflowers status around southern California. Within these few years, because of the drought, they were mostly turned out to be a disappointment. In the spring of 2008, I went here but it was not as good as this year.
Sand verbena, desert sunflowers, dune primrose are abundant and contrast each other really well creating a canvas of colors. This was taken just off the Henderson Canyon Road without any hiking. We just parked off the road and walked a short distance in. We have a hug heat-wave coming and there are caterpillars every where chewing on these fragile flowers; so I don't think it will last long. Go now! don't wait.
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Anza-Borrego Desert State Park, 200 Palm Canyon Drive, Borrego Springs, CA 92004, USA
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Viewers can be forgiven if they missed the geopolitics of the second debate between Hillary Clinton and Donald Trump on October 9th. The emotional tension in their encounter was certainly unprecedented in American political history. Dramatics notwithstanding, how the nominees perceive or think voters perceive international politics may be discerned from a content analysis of their geographic references.
Note that the geographic references in this debate were more narrowly focused than in the first debate on September 26th. Fewer individual countries were mentioned this time, with the former Secretary of State naming only six and the real estate developer/television personality naming only seven. Russia and Syria together comprised 85 (72%) of the 118 total references to individual countries. So focused on just these two countries were the exchanges that other words identifying leaders, governments and capitals were also required to name them. Clinton mentioned the Kremlin, but felt it necessary to explain that the term meant "Putin and the Russian government." The word was commonly deployed during the Cold War by journalists and politicians to designate the government of Russia. If we want to be persnickety, and we want to in this case, 'kremlin' actually designates any historic fortified palace and cathedral complex in a Russian city. The Moscow Kremlin is simply the best known.
Speaking of Cold War terminology, Moderator Martha Raddatz deployed the word 'regime' three times and Clinton twice to designate the government of Syria. A term that properly describes a set of formal political institutions when used in its neutral sense, 'regime' is deployed propagandistically by English language journalists to instruct news audiences that they must view particular a foreign government as illegitimate. Thus during the War in Vietnam the government of North Vietnam was often identified as the "regime in Hanoi." Although this bit of hackery has been abandoned by The New York Times with respect to Syria, it is still commonplace.
Raddatz really wanted to talk about Syria, almost to the exclusion of every other country. Twelve times she named the country or its head of state, Bashar al-Assad. Russia she named only once.
Judging by the 60 references to individual countries in the Middle East, 51% of the references to individual countries, Raddatz, Clinton and even Trump all appear to assume that the next occupant of the White House will continue the "policing" of the Middle East. How, rather than whether, this will be undertaken is all that seems on offer. Interestingly, Clinton and Trump named the three cities of Aleppo, Mosul and Raqqa. Raddatz named only Aleppo… because it is in Syria, and Raddatz really wanted to focus on Syria.
To describe the exchanges involving foreign policy in this debate as unedifying would be much too kind. Trump sought to blame the Forever War in the Middle East entirely on Barack Obama and Clinton. There was also a moment when the Republican nominee attempted to raise the issue of nuclear weapons modernization. Unfortunately it came out like this:
"…she talks tough against Russia. But our nuclear program has fallen way behind, and they've gone wild with their nuclear program. Not good. Our government shouldn't have allowed that to happen. Russia is new in terms of nuclear. We are old. We're tired. We're exhausted in terms of nuclear. A very bad thing."
Wait…what? "Russia is new in terms of nuclear?" Viewers can be forgiven for not understanding what he was talking about.
For her part, Clinton seemed intent on linking her opponent with the summary of all her fears: Russia, Vladimir Putin, Bashar al-Assad, Wikileaks and the hacking that revealed all those embarrassing emails to and from Deborah Wasserman Schultz.
To borrow a couple of Clinton's favored adjectives, this second presidential debate between the two major party nominees was deplorable and irredeemable.
John Hickman
John Hickman is Professor of Political Science in the Department of Government and International Studies at Berry College in Rome, Georgia, where he teaches courses on war crimes, comparative politics, and research methods. He holds both a PH.D. in political science from the University of Iowa and a J.D. from Washington University, St. Louis. Hickman is the author of the 2013 Florida University Press book Selling Guantanamo.


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We're proud of our differences… here's why!
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Each community development provides an array of thoughtfully designed floor plans and options that allow households to create the home of their dreams. Miramonte is one of the largest privately owned homebuilders in Arizona and has been named Builder of the Year multiple times by SAHBA. Today, the company continues its pursuit of exceeding homebuyer's expectations through supplying superior homes and outstanding customer service.
The advantages of building a new home with Miramonte!
The PWSC-administered Signature Warranty is a 10-year written and insured Builders Limited Warranty that delivers tiered coverage. This warranty is designed to provide the highest levels of quality and service. Unlike many warranties on the market, the Signature Warranty is backed by a superior-rated insurance company, not a risk retention group.
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As a result, it can contribute to improved building durability by helping to protect homes against damaging wind and rain that can penetrate the exterior cladding.
Tyvek® HomeWrap® can also reduce home energy bills by controlling air flow and water intrusion, which helps insulation work better, allowing the HVAC system to work more efficiently. It's a house wrap engineered to keep homes cool in the summer, warm in the winter, and dry all year round.Read More
Miramonte Homes partners with IBACOS Inc. enabling us to deliver the highest quality homes to our homebuyers. An IBACOS PERFORM Building Performance Specialist works with us to discover and implement better ways to design, build and deliver our homes. We have adopted the PERFORM building program from IBACOS; an extensive in-field Quality Construction Assessment performed at critical stages of construction: FOUNDATIONS, FRAMING, THERMAL ENCLOSURE, AIR BARRIERS, WALL CLADDING, ROOF AND DRAINAGE, HVAC, AND PLUMBING & ELECTRICAL.Read More


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Click here to find out which '80s pics are slated for an update
Studios have gone back to the future as they develop their upcoming slates, eyeing a slew of hits from the 1980s to remake, reboot or reimagine. The irony is that "Back to the Future" isn't one of them.
Everything else is essentially getting the "Clash of the Titans" treatment: retooled with flashier f/x and a new cast of recognizable names to reintroduce the material to a new generation of moviegoers.
At least 30 films from the '80s are being revamped, including the comedies "Police Academy," "Short Circuit" and "Private Benjamin," horror fare like "Fright Night" and "Poltergeist," actioners "Escape From New York," "RoboCop" and "Red Dawn," and everything in between from "Near Dark" to "Footloose" and "The Karate Kid." New sequels are in store for "Beverly Hills Cop" and "Ghostbusters."
The projects are the latest sign of Hollywood's continued retrenchment into a safe zone where it only greenlights films with built-in awareness — pics based on kids and young adult books, videogames, comicbooks and toys, for example.
Of course, Hollywood isn't just remaking movies from the '80s. Studios have dug into their vaults and are eyeing remakes of Alfred Hitchcock's "The Birds," comedy "The Graduate," sci-fi classics like "Fantastic Voyage" and oater "True Grit."
It makes sense that Hollywood is gravitating toward films that will be 30 years old by the time their new incarnations hit the bigscreen. Many of the higher-profile properties were produced at a time when studios were first embracing the concept of the summer tentpole after films like "Jaws" and "Star Wars" proved that high-concept pics could translate to big business at the box office. And the thinking is: If they worked then, why not now?
There are a slew of reasons why they should:
- Many of the projects being brushed up for redos, especially horror fare and actioners, target younger audiences — still the Holy Grail for studios and exhibitors, given how many movie tickets that demo buys each year. Thirty-year-old properties seem fresh to the demo, given that they weren't around to see the movies when they first bowed at the multiplex, or if they have seen them it was probably on cable.
- Remakes of retro pics from that era are cheaper to produce, with new versions of "Private Benjamin," "Nightmare on Elm Street," "Fright Night" and "The Thing" boasting easy-to-digest midrange budgets thanks to their up-and-coming teen or twentysomething casts. The same is true for some laffers, with the original "Police Academy" having starred a cast of then-unknowns. Producers behind the relaunch of the seven-pic franchise are similarly looking to newcomers to play the fresh batch of recruits.
Michael Bay's production shingle Platinum Dunes, especially, has gone after the youth market with reboots of "Friday the 13th," "A Nightmare on Elm Street," "The Hitcher," "The Texas Chainsaw Massacre," "The Amityville Horror," "The Birds" and "Monster Squad." It was working on a reboot of Kathryn Bigelow's vampire tale "Near Dark," but put the project on hold because of "Twilight."
- Remakes are fairly easy to develop, with much of the groundwork having already taken place, from the development of the central characters to the soundtrack's main theme.
- Films that relied heavily on innovative visual effects at the time — like "The Last Starfighter," "The Neverending Story" and "Escape From New York" — now look outdated and could benefit from the latest computer-generated imagery. Some are being eyed for 3D treatment.
- Financially, relaunching a franchise from scratch can also generate more revenue. Sequels generally earn 30% less than the first pic, so it makes more sense to start over and produce a series of films based on a reboot. The original "Clash" earned $41 million during its entire domestic run, not taking into account inflation; the new version earned $50 million in its first three days.
- Titles like "Ghostbusters," "Tron" and "He-Man and the Masters of the Universe" provide studios with opportunities to pump out merchandise and collect licensing revenue. That area of Hollywood's bottom line has grown in importance over the years as congloms demand more from their studio arms. And films that can be exploited through retail are especially attractive, considering that many of the top toy properties from Hasbro and Mattel have already been snatched up and set up at various studio lots around town.
Disney Consumer Products earned $27 billion in sales from licensed products last year alone, while Warner Bros. generated $6 billion, 20th Century Fox collected $2 billion and Sony brought in $1 billion.
- Many of the films feature strong characters — Conan, He-Man, RoboCop and "A Nightmare on Elm Street's" Freddy Krueger — that are bankable in their own right and bring auds to the megaplex while also giving something of a spotlight to the actors that portray them.
Six actors have played James Bond on the bigscreen over the years; four have similarly donned Batman's cape and cowl. Russell Crowe is the latest Robin Hood, and Robert Downey Jr. is now suiting up as both Iron Man and Sherlock Holmes.
These are iconic characters," says one Warner Bros.-based producer behind a number of redos. "It almost doesn't matter who plays them. The actor isn't the star; the characters are much bigger than they will ever be."
It's why Legendary Pictures (which produced "Clash") is looking to reintroduce Godzilla on the bigscreen, not as a remake of Sony's 1998 pic but as an update of the Japanese pics that first introduced the rampaging lizard in the 1950s.
That iconic status is why Universal keeps eyeing its classic monsters like Dracula, Frankenstein, the Bride of Frankenstein, the Wolfman, the Invisible Man and the Creature of the Black Lagoon as prime for bigscreen returns. U is moving forward with "Dracula Year Zero" as an origin story of how Prince Vlad the Impaler becomes the bloodsucking vamp, with Sam Worthington set to star. It also has a "Frankenstein" remake in the works with Guillermo del Toro set helm.
It's also why studios aren't eager to give up the rights to make superhero fare featuring characters from Marvel's pantheon of crimefighters.
Fox is planning to reboot "The Fantastic Four" and "Daredevil" as new franchises after the films struggled to live up to their potential as major moneymaking franchises. And Sony is also relaunching "Spider-Man" as a new series of movies with a younger cast and director, after sequels proved too costly to make.
But in the case of "Fantastic Four" and "Daredevil," it's also a chance for Fox to try again and make the movies they should have produced in the first place. "Daredevil's" $103 million take at the worldwide B.O. didn't spawn sequels, although "Elektra" was one spinoff. And while not a failure, the two "Fantastic Four" films should have earned more than the $619 million they did worldwide, given how popular the characters are.
The problem was the execution," says one producer close to the projects. "The studio wanted to rein in costs and hire actors with lower quotes and spend less on effects. A reboot allows you to try again and erase people's memory of the other movies."
But it's easier to reintroduce superheroes.
The comicbook biz essentially invented the reboot, retelling origin stories or creating adventures for the same characters time and time again with new writers and artists shepherding the tales.
The frenzy over the latest crop of remakes has also been fueled by a recent string of B.O. successes.
After 20 movies, the James Bond franchise was re-energized with "Casino Royale." "Batman Begins" brought fans back to Batman. And last year's "Star Trek" made Trekkies cool. To a point.
The reality, however, is that not all of these current remakes will work. The latest, "Death at a Funeral," from Screen Gems, has been panned by many critics, and the original Brit farce died at the B.O. in 2007.
Lionsgate stumbled twice with "The Punisher," with four years in between pics. MGM also tripped up with a reboot of "Fame" last year, which danced its way to just $24 million at the domestic B.O.; "Death Race" didn't cross the finish line with a big haul, either. Remakes of "Rollerball," "Get Carter" and "The Bad News Bears" also failed to win over auds.
Still, with "Clash of the Titans" conquering the box office, Legendary will now focus on unleashing "Godzilla" on a new crop of moviegoers. Producers at the shingle are looking to fix what didn't work in Roland Emmerich's pricey version, including the rampaging lizard's overall look. In the new "Clash," they similarly made tweaks, tossing Bubo the mechanical owl from the original to the side and making the Kraken more menacing.
Similarly, MGM changed "Red Dawn's" Russian baddies to invading Chinese communists to make the plot more relevant to the current state of the world. The new "Nightmare on Elm Street" now serves as an origin story of how Freddy becomes a serial killer. And Strike Entertainment and Universal's "The Thing" was developed as a prequel to John Carpenter's original scarefest, and focuses on the Norwegian crew that first discovered the shape-shifting alien in Antarctica.
You can make changes, update the plots and add more weight to the characters," says a producer.
The question now is, what happens if the new versions don't work? Or what if they do? Will Hollywood be remaking the remakes 30 years from now?


text:
(JTA) – An Orthodox Jewish group sued a town in New Jersey for ordering it to remove an eruv, or religious boundary, from utility poles in the town. The Bergen Rockland Eruv Association and two residents of Rockland County on Friday, August 11, filed a federal lawsuit against the town of Mahwah, New Jersey, saying the town is violating their constitutional and civil rights. Mahwah, which is located across the New York state border, had told the South Monsey Eruv Fund to remove the white plastic piping from utility poles that it uses for the symbolically enclosed area by August 4. An eruv allows observant Jews to carry objects and push strollers outside of their homes on Shabbat. The Orthodox community told The Associated Press last month that it had been given permission to hang the piping by the local utility company. But town officials said the piping is considered signage. Town officials told the Associated Press that the town will start issuing summonses by next week if the piping, called a lechi for the purpose of the eruv, is not removed. "The object, motivation and effect of the actions of the township is to suppress the religious practices of the plaintiffs and certain other Jews who reside in Airmont and other parts of Rockland County (in New York)," the lawsuit states, according to AP. "The eruv presents no aesthetic, safety, traffic, fiscal or other concern to Mahwah."
Town Mayor Bill Laforet has called on the council to hold off on issuing summonses and to instead negotiate with the eruv group because a legal fight over the eruv could be costly for the city.
More than 1,200 people signed an online petition that called for the eruv to be taken down. Many of the comments accompanying the petition, titled "Protect the Quality of our Community in Mahwah," refer to "these people" and express concerns about falling property values. Most of them are anonymous. "I don't want these rude, nasty, dirty people who think they can do what they want in our nice town," one of the comments reads. Another says: "I do not want the town of Mahwah to turn into an undesirable place to live. These people do not assimilate with other people outside their community. I do not want them controlling our school board and siphoning funds for their yeshivas. Also, they buy houses which they claim is [sic] for religious purposes and do not pay taxes. They should stay where they are and leave our town alone."
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