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What do current students like most about the School of Health Studies?
SHS researchers are helping promote health and wellness around the world.
Health Studies graduates are making an impact around the world and close to home.
Community partners gathered to launch the Centre for Research on Health Equity and Social Inclusion (CRHESI), a new organization focused on studying the effects of inequality and discrimination to improve health policy and services in London and surrounding area.


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Kumquats, Two 1-lb bags (appx. 70 fruits)
These little "gold oranges" of China are delightfully spicy and sweet, rich in refreshing taste as well as Vitamins A and C. Our Kumquats owe their exceptional flavor to the good soil and organic practices of the California orchard in which they are grown. The grower takes pride in producing high quality, specialty fruit, and ships them out the same day they're picked. These little gems are also sweet to look at, so don't hesitate to display them in a bowl on your holiday table so guests can enjoy them too. We will send your gift card in time for the holidays and ship the box holding two 1-lb bags of fruits (total of appx.70 fruits) in early February. Available February through June.
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Israel Aerospace Industries is expanding into cyberdefense, and already has customers in Israel and abroad, according to the Jerusalem Post.
The company's Elta subsidiary launched a cyber section last August, said Esti Pershin, director of the section and a former senior member of the Israel Defense Forces's Unit 8200 cyberwarfare unit. The cyber section, which identifies weaknesses and build defenses, has 25 employees.
We have a national responsibility to be independent in this area," Pershin said. "Israeli defense industries have to take the lead role. We have the infrastructure and platforms to take the lead."
She added that for cyberdefense, "the idea is to not just defend the perimeter of the network with firewalls, but to expand defenses through intelligence." Pershin also warned that deterring cyberattacks requires working with Internet service providers to track down hackers. These are the building blocks that are needed for retribution, she told the Jerusalem Post.
Eltas domestic market consists of military clients, but its cyber solutions are also being built for financial institutions as well as foreign governments who want to secure critical national infrastructure, according to the newspaper.


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ME Winter Seminar - 3/5/14
You are cordially invited to the Mechanical Department Seminar Series
Speaker: Eduardo Chan
Date: Wednesday, March 5, 2014
Location: Bannan Hall 142 (Law Building)
P-Version Finite Element Method in Creo Simulate
Majority of commercial finite element analysis packages are based on h-version finite element methods. The alternative p-version finite element methods provide several advantages to the traditional h-approach. This presentation will provide an overview of the specific implementation of the p-method in the Simulate module within Creo (formerly known as Pro/ENGINEER & Pro/MECHANICA). A few recent advances in its analysis capabilities will also be covered.
About the speaker:
Dr. Eduardo Chan is primarily interested in finite element methods in structural and thermal problems. For over 16 years, he was a member of the analysis technology group that covers all simulation capabilities of Creo (formerly known as Pro/ENGINEER) and was the technical manager of the group for the last 8 years. Recently, Dr. Chan joined Solar Junction, a solar cell startup in San Jose, as their development manager in charge of all simulation and software needs. Dr. Chan graduated from Caltech with a Ph.D. in Civil Engineering in 1997.
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News Archive for 07/11/21
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AAPL Stock: 117.81 ( -0.22 )
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IK Multimedia today announced the Advanced Room Correction system for DAW-based studios, a kit designed to reduce distortion caused from environmental acoustics. The kit consists of a professionally calibrated microphone, measuring software, and a plugin that functions with any DAW-based software. Co-designed by Audyssy, IK Multimedia advertises that the ARC system will drastically improve the sound of any kind of monitor in any sort of room, regardless of quality level or mixing environment. The ARC system is currently available through IK Multimedia's network of distributors, selling for $700, or $500 for a crossgrade for registered IK users.
Que Publishing recently introduced two new books for Leopard users - "Easy Mac OS X Leopard" and "Mac OS X Leopard On Demand" - while Sams Publishing unveiled the "Mac OS X Leopard Phrasebook". "Easy Mac OS X Leopard" is written by Kate Binder, featuring fully illustrated steps with bolded and highlighted areas signifying what a user is to do to follow along with the book. "Mac OS X Leopard On Demand", by Steve Johnson, uses real world examples to provide context for the instructions it gives. The books take users through the Finder, iApps and several other programs, in addition to networking and maintenance. Both books are currently available, with "On Demand" selling for $40, and "Easy Leopard" for $30.
IOSPIRIT today released Remote Buddy 1.8, a new version of its wireless remote control software, adding compatibility for the EyeTV remote controls. Users can control many different applications from Remote Buddy, such as iTunes, DVD player, iPhoto, VLC, and presentation software, but can also browse the hard drive, surf the web, or change system settings - the software contains support for over 100 applications and system parameters. Using the latest version, EyeTV owners can fully configure the key layout of the remote, providing access to the entire computer. Remote Buddy is available from the IOSPIRIT website for 20 Euros (~$30 US).
Tunewear today unveiled three new additions to its Icewear line of iPod cases, introducing models for the iPod touch, Classic and Nano. The Icewear is made of high density ribbed silicone which provides a sticky tactile feel, and is designed to absorb shocks and bumps from accidental drops. The case offers complete access to the iPod's controls and ports, and features the company's clear Tunefilm to protect the screen and scrollwheel. Tuneware says that the Icewear for the iPod touch and Nano are currently available from the company's web site, with the Icewear for the iPod classic shipping during the first week of December. Prices for the Icewear range from $20 to $30, depending on which model is purchased.
Unofficial reports have indicated what French iPhone customers can expect from the wireless plans that Orange will be offering in conjunction with the impending release. MacGeneration reports (1 | 2) that the data will be virtually unlimited - for services such as visual voicemail, emails and internet - but Orange says that it reserves the right to limit the data plan to 500MB per month. The company supposedly has upwards of 20,000 handsets available for the launch, which it will have the most stock through its stores on the Champs d'Elys�es, in Lyon Cordeliers, and the Marseille Orange Center, with the number of handsets being between 500 and 1000 per shop, while the vast majority of its other stores having between four and 30. Pricing for plans will range between 50 and 120 Euros.
Apple is offering a wide variety of reconditioned Macs alongside $5 gift wrap for iPods, iPhones, Apple software, and select accessories. Signature gift wrapping features a white gift box with a bright red ribbon and a personalized greeting card. The Cupertino-based company's online store currently lists numerous refurbished MacBook Pro (from $1,699-$2,399) and MacBook models ($899-$1,249) alongside a slew of Mac Pro workstations (from $2,199-$3,399) in various configurations. As always every refurbished item is guaranteed good-as-new, comes with a one-year warranty, and ships for free.
Cowon today announced that it will bring an almost entirely intact version of its Mac- and Windows-compatible Q5W media player to US shores after previously limiting the device to southeast Asia. Adding the W to reflect its wireless abilities, the handheld will strip out Korea-only DMB digital TV tuning support but will have both 802.11g Wi-Fi and Bluetooth 2.0 to browse the web (including with Flash animations), access other online content, and gain stereo audio support respectively.
Having previously made master tracks available on his website, Trent Reznor is offering a bonus DVD with Nine Inch Nails' newest album release, Y34RZ3R0R3MIX3D (Year Zero Remixed), that includes every track from the original Year Zero in multitrack sessions. The files are all pre-formated for both Garageband and Ableton Live, and are generic WAVE files sampled at 16 bit/44KHz. Y34RZ3R0R3MIX3D's bonus DVD also comes with a demo version of Ableton Live so that fans can immediately start mixing if they don't have access to Garageband. The new album is also being offered as a digital download, and as a five-sided vinyl set, neither of which come with the master tracks. Y34RZ3R0R3MIX3D is available now for $20.
Qualcomm has won a temporary victory in its legal battles with Nokia, Reuters reports. The United States' International Trade Commission has thrown out one lawsuit brought by Nokia, which would have seen Qualcomm's chips barred from being sold in the States on the basis that they violate several of the former company's patents. The judge presiding over the case was first presented with a dismissal motion on October 18th, but Nokia fought for a review, which has only just been concluded.
Creative may be the first mainstream portable media player producer to offer a flash-based jukebox with 32GB of memory, based on an unintentional slip-up on the company's website for its home country of Singapore. An entry for the Creative ZEN shows a 32GB version of the handheld alongside the usual 4GB, 8GB, and 16GB versions. This would potentially supply as many as 8,000 standard-quality songs despite the device's small size using Creative's estimates.
Apple's release of Mac OS X 10.5 Leopard appears to have brought with it battery drain and intermittent keyboard freezing issues, which are plaguing some MacBook and MacBook Pro owners. Numerous posts in Apple's support forums for both notebooks detail an issue that essentially shuts down the keyboard at random intervals, and affected owners report having to restart or wake their systems if the problem doesn't resolve itself in good time. Trackpads and external keyboards still function normally, however, as noted by AppleInsider.
The cause of the Sidekick Slide's seemingly random reboots has been confirmed and will let the Danger/Motorola produced messaging phone return to shops, T-Mobile has announced today. The failures, which prompted a halt to sales, are now known to be triggered by poor battery contacts; sliding the screen out to type on the keyboard sometimes loosens the contact and forces the device to shut off momentarily. The problem can be fixed both on new production runs as well as through an unnamed solution for existing customers that keeps the contact in place, T-Mobile claims.
Reacting to observations on his comments that the HD war is in a "stalemate," Sony CEO Howard Stinger now insists that Blu-Ray will ultimately win. The format has the "the momentum and the scale" needed, Stringer says, particularly because it has the exclusive support of movie studios such as Disney, Fox, MGM and Lionsgate. Warner Brothers releases in both Blu-Ray and HD DVD, while only Universal and Paramount have stuck to HD DVD.
The electronics retail chain Fry's sold its current-generation 20-inch iMac for less than $800 ahead of Thanksgiving and "Black Friday", according to an ad that has appeared in an issue of San Jose's Mercury News. The image claims to have a new, factory stock 20-inch 2.4GHz model for $794, or just over half the $1,499 asking price for the standard system. This price will be in effect for just the one day, Fry's claims. [corrected: the sale was a one-day sale only on Wednesday, November 20th, according to Fry's]
Apple may have already sold between 24-25 million iPods during its December quarter, according to Piper Jaffray senior analyst Gene Munster. Citing new NPD data to back the estimate, Munster is predicting 23.5 million iPod sales for Apple's December quarter, which falls above Wall Street consensus of around 23 million shipments. "We see this as a positive data point, and we note that we have conservatively factored in an avg monthly contribution for October of 15 percent vs. the 3 year average of 12 percent due to the innovative new iPods released in September," the analyst said. Piper Jaffray reiterated its "Buy" rating on Apple shares with a $250 price target. [corrected]
AT&T will join many electronics stores the day after Thanksgiving and sell several of its best-known phones with a large 50 percent discount, a leaked flyer reveals. The carrier will draw attention primarily to smartphones with the GPS-equipped BlackBerry Curve 8310 selling for $100, while the Pantech Duo reaches the same price. A handful of 3G conventional phones such as the Moto RAZR2 V9, Samsung A737 slider, and the Sony-Ericsson W580i will also see a temporary price drop. These simpler phones will sell for $150, $25, and $25 again respectively, the flyer notes.
The insistence by major music labels on digital rights management (DRM) for online stores is having a damaging ripple effect on retail music shops as well, says the head of Britain's Entertainment Retailers Association, Kim Bayley. The executive notes that while physical stores still see high profile releases and seasonal increases, the hesitation by buyers leery of either restricted direct downloads or higher-priced CDs is neutering the effect. The holiday rush is coming later this year while even a record-setting album this month has failed to offset an 11 percent drop in CD sales this year, official UK charts say.
KeynotePro today released Sonoma '08, its newest set of themes for Apple's Keynote presentation software. Sonoma '08 aims to blend classic print-inspired styling with a color-neutral framework. The themes are designed to propel imagery, color and type forward while maintaining a consistent, structured feel. "The result is a theme that not only allows you to make your quick-change customizations via a palette change or placing a photo: the design actually encourages you to take that approach to another level, mixing shape-based solid color blocks or contrasting photographic palettes into a diverse array of color and texture," the company said. Sonoma '08 for Keynote is priced at $20, and is available in a bundle with two other Standard Edition themes for $50.
California's Vizio remains the dominant maker of LCD TVs in North America, despite heavy advances by its main rival, according to a report from the research firm iSuppli. Vizio sets accounted for 13 percent of all LCDs sold during the third quarter, a mere 0.2 percent better than South Korea's Samsung. The latter has managed to dramatically boost its share, jumping from 10.8 percent in the second quarter to its current 12.8; this pales next to Vizio's recent climbs however, since the company only lept to prominence in the second quarter, beating out established heavyweights such as Samsung, Sharp and Sony. The latter two are currently third- and fourth-placed in iSuppli's rankings.
In brief: MacNN has reviewed Apple's Logic Express & Logic Studio professional software, LaCie has increased the duration of its product warranties, and Apple ranked as the 12th top Web property for the month of October. Two days remain for Pomoto's 'Turkey Special' promotion, and Created Equal has released TeachMac/TeachIt 5 with support for iPhone as well as Apple TV via a $10 subscription. MacNN has reviewed Logic Express & Logic Studio, Apple's pro audio applications that emphasize ease of use with a single screen and templates.
The next generation of Research in Motion's BlackBerry phones may more resemble the iPhone than any of its current products, one analyst claims. Expounding on earlier rumors, Carmi Levy of AR Communications argues that future 9000-series phones will detach completely from RIM's business roots, which are represented by the signature SureType keyboard on every current BlackBerry. This allows the phones' users to type much faster than they do on many competing devices. But, says Levi, "The 9000 is supposed to be a touchscreen device, very similar in form factor to the iPhone. Which means that it is not an enterprise-friendly device."
Alltel today became the latest US carrier to pick up the BlackBerry Pearl 8130, the first version of the slim smartphone for CDMA networks. While coming in black similar to the Sprint version, Alltel's model and takes advantage of the phone's central GPS feature for any number of navigation services rather than the carrier's; users can plot driving routes with phone designer Research in Motion's own BlackBerry Maps or pay for a subscription service such as TeleNav, the provider emphasizes.
Casual Mac game development and publishing firm Feeverse has re-launched its Macfun.com website and is offering visitors a free copy of the 3D Hearts Deluxe card game. Macfun.com originally launched as a home for Mac gamers hoping to find the best games for their systems, and the re-design aims to ease the process of finding a specific game. The company has also begun shipping three new game titles which include Chocolatier, Dream Chronicles, and Diner Dash: Hometown Heroes. New games are scheduled for release every week on Friday, and Freeverse promises to always offer at least one free game at any given time.
Cable Internet modems that meet the extra-quick DOCSIS 3 (Data over Cable Service Information Specification) standard and the hubs needed to power them are already being certified, report anonymous sources aware of the process. Major cable modem producers Arris, Motorola, and Scientific Atlanta have all submitted devices based on a Texas Instruments chip that will allow real download speeds of 100 megabits per second or more -- rivaling Ethernet connections and 802.11n Wi-Fi in terms of speed. Most of these devices will meet the "bronze" standard and will have a reduced upload speed but should still outperform DOCSIS 2 modems, which are increasingly common for most cable Internet providers.
A flaw has surfaced in Apple's Leopard quarantine system that allows unsuspecting Mac users to open specially crafted files that run with nearly any application. The quarantine system included in the latest revision of Mac OS X is designed to alert users when they attempt to open applications or disk images that arrive via Mail, Safari, or iChat. However the safety measure fails to issue a proper warning when Mail attachments posing as pictures arrive containing a resource fork which instructs the Mac to open the file using a specific application.
Quark has released v7.31 of QuarkXPress, its widespread publishing program. Although technically an incremental update, the new version is notable for adding Leopard support, specifically by means of testing and optimizations. Other improvements are also included however, mainly changes to spell-checking; users can now find and correct duplicate words or spacing after punctuation, as well as ignore file and Internet addresses, or words with numbers attached.
Verizon on Wednesday rounded out its line of holiday phones with the Samsung FlipShot. Known under its final name as early as October, the device also known as the Ultra U900 centers primarily on photography with a 3-megapixel camera and a swiveling design that serves up a better grip and LCD view similar to a pocket camcorder. Accordingly, it can record not only video but create panoramic shots and adds PictBridge support for printing photos directly from a photo printer. Its Bluetooth is useful not just for hands-free calling and stereo music but wireless photo printing as well, Verizon says.
NVIDIA has inadvertently confirmed two new mobile graphics chipsets that should be available in the near future, say enthusiasts from nVision. A discovery made in the device list for NVIDIA's ForceWare 169.09 drivers reveals both a GeForce 9300M G and a GeForce 9500M GS present despite the lack of an official announcement. Few details are explicitly revealed by the leak, though it makes clear that both chipsets share the same core architecture as the GeForce 8M series. The naming scheme also reflects a similar strategy to today's mobile graphics with a basic x300 model providing low-end graphics and an x500 model addressing performance for mid-range notebooks.
(Updated with offer for current customers)
Reacting to a legal ruling, Germany's T-Mobile has announced that it will soon begin selling the iPhone without any required contract. A court yesterday granted Vodafone a preliminary injunction against T-Mobile, which since November 9th has been selling the iPhone for �399 with a two-year contract, much like the one enforced for AT&T's iPhone in the United States. Although T-Mobile had said it would ignore the injunction on at least a temporary basis, it has already devised a price for a contract-free product: �999, or $1,477. By contrast, the total cost of the iPhone with contract would be �1,575 ($2,329).
Nokia has developed a unique technology that may signal its entry into the world of smartphones with lateral slide-out keyboards, according to a freshly discovered patent filing. Called a "turn and slide concept," the patent would include a rotating point that would lift and tilt the phone's screen away from the main body, revealing a keyboard while locking the display to a comfortable angle with a built-in hinge. Such design would make it easy to access the keyboard without having a keyboard that covers the entire bottom of the device.
Mozilla has released Firefox 3 beta 1, targeted for web developers and the testing community. Based on the Gecko 1.9 engine - which has been under development for 27 months, consisting of nearly two million lines of code - the beta is designed to showcase Firefox's increased performance, stability, and security, while maintaining an easy to use, customizable interface. Firefox 3 beta 1 brings malware and web page forgery protection, as well as a button that displays security information for the current site. The new version automatically checks plugin versions and can disable older, insecure versions, as well as preventing automatic plugin updates if the connection method is insecure. Antivirus integration will inform any active antiviral software when it is downloading a file, and the new SSL error pages provide clearer definitions and deal with problematic content in a stricter manner.
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The Stories of Moving Averages' Demise Are Greatly Exaggerated (Again)
Readers know I'm not one to preach trend-following (at least relative to other more active, more effective strategies), but I have to stand up and defend the honor of this granddaddy of quantitative strategies from some recent negative press, such as the latest from Mark Hulbert.
Hulbert makes his case that the 200-day moving average (the most commonly quoted trend-following indicator) has become a poor predictor of future stock market returns because it's done a poor job generating return in recent decades.
Regardless of whether that's true, it completely misses the point of what trend-following indicators are and have always been useful for: reducing drawdowns and volatility (NOT generating above average returns).
I did a long numbers-centric post on the subject a couple of years back that I would suggest interested readers digest. It was about 50/200-day crossovers (aka "the Golden Cross"), but the conclusion was the same.
Long-term moving averages have never been useful for generating above average returns timing the stock market for any length of time. But they have consistently done a good job at capturing most of the stock market's returns, while reducing volatility and sidestepping the worst of its drawdowns.
That's been as true for the last decade as at any point since my test began in 1930.
. . . . .
Pulling an example from Hulbert's post, Hulbert states that since 1990, a trader would have only returned 3.8% annualized by trading the DJIA when it was above its 200-day moving average, versus 7.3% for buy & hold.
Below I've run my own test (trend-following in red, buy & hold in grey). Note that I've used the S&P 500 in place of the DJIA, and I've adjusted returns for dividends, but the point is the same:
[logarithmically-scaled, growth of $1]
Yes, trend-following has underperformed in terms of return, especially over the last couple of years, but that shouldn't come as too big a surprise. Again, read my previous numbers-centric post. It's par for the course.
More importantly, look at what it's done to reduce loss/volatility: max drawdown was halved at -27% versus -55%, Sharpe Ratio increased by 20%, UPI increased by 30%, etc. That's also par for the course.
. . . . .
I don't use trend-following indicators in my own trading today, so I don't have any skin in this game, but I recognize that the type of short-term strategies we're trading are just too active for a lot of investors.
And for those folks I think trend-following, applied to the stock market as part of a diversified portfolio, is a huge improvement over buy & hold.
Happy Trading,
. . . . .
To stay up to date with what's happening at the MarketSci Blog, we recommend subscribing to our RSS Feed or Email Feed.
Filed under: Trading Strategies, Trend-Following | 14 Comments
14 Responses to "The Stories of Moving Averages' Demise Are Greatly Exaggerated (Again)"
We've established that the returns are equal but lower drawdowns.
What if we invested long only when the mkt was one or two std dev below the 200ma?
That might get some increased returns to go with the vol.
Further, one can park money in short term treasuries when the market is below its 200dma to enhance returns.
Way not combine trend following (reduced volatility and drawdowns) with a SP500 leveraged ETF (to get 2 to 3 Times the yield ?
I looked at your 2010 post and it's funny because the golden cross performance has turned negative since then as I recall from an article I have read in another blog: http://bit.ly/YuRcBO
What happens if you go short when below the 200-day? Does it increase returns or just make a mess?


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Pilobolus Dance Theatre takes over the Annenberg Center tonight through Sunday.
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Celebrating its 41st year, Pilobolus Dance Theatre makes a stop at the Annenberg Center for the Arts tonight through Sunday.
The modern dance company, founded in 1971, curates and convenes groups of diverse artists - including the MIT Distributed Robotics Laboratory, Art Spiegelman, OK Go, Radiolab, and many others - to make inventive, athletic, witty, collaborative performance works on stage and screen using the human body as a medium for expression.
This is the out-of-the-box troupe that has performed at both the Olympics and the Oscars.
Performances are 8 p.m. tonight and Saturday, and 2 p.m. Saturday and Sunday. Tickets run $35 to $70. The Annenberg Center for the Performing Arts is at 3680 Walnut St., Philadelphia. For information, visit annenbergcenter.org, or call (215) 898-3900.


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This image obtained from the National Oceanic and Atmospheric Administration (NOAA) on shows a major snowstorm over the northeastern section of the United States on February 8, 2013, with heavy snow, blizzard conditions and freezing temperatures forecast from New York through Maine as well as densely populated inland areas.
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The Asbury Park Press is the complete source of information for Shore residents dealing with the latest storm to hit the region. Visit our Snow in February page for full coverage, including photo galleries, videos and polls.
To quickly find key information you need for following and coping with the storm, use the links below.LOCAL CLOSINGS
View our lists of local school closings and cancellations and other closings and cancellations .WEATHER ...


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1¾Green Day: "Only of You" By Gene Rosenthal (firstname.lastname@example.com)
This tab is in standard tuning. You don't need to tune down a half step or anything.....Have fun!!
-Intro: F - G - D - B (4 times) -after intro play the following: A - B - D - E (2 times)
verse: A B D I wish I could tell you E A But the words would come out wrong B D Oh if you only knew E A The way I felt for so long B D I know that were worlds apart E A But I just don't seem to care B D These feelings in my heart E Only with you I want to share
-Chorus: F - G - D - B The first time I caught F - G - D - B a glimse of you F - G - D - B Then all my thoughts F - G - D - B were only of you
A B D E Ah...........ah..........ah..........ah
Repeat the A-B-D-E riff once here!!!
-verse 2 A B D


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Admission Requirements
- Graduate Admissions Application
- Application Fee
- Official transcript from the baccalaureate degree granting institution. Admission preference is given to applicants with a GPA of 3.0 or higher.
- Official GRE scores.
- Two letters of recommendation that address the applicant's qualification for graduate study.
Please submit all materials to the Office of Graduate Admissions.
NOTE: Applicants selected after the initial screening will be invited for an online interview.
Online Learning Fee
Please see the SHSU Distance Learning Fees page for additional information. These fees are subject to change by the Board of Regents of the Texas State University System.


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Your browser does not support iframes.
The Southern California Association of Governments, in collaboration with Caltrans, will be hosting a Highway Performance Monitoring System (HPMS) workshop on April 2, 2014.
The Highway Performance Monitoring System program plays an important role in providing the FHWA with consistent state-specific data used to analyze the state of the nation's highway system and to create federal-aid apportionment formulas.
The workshop is free but registration is required. Please RSVP by email to: firstname.lastname@example.com.
For more information contact: Michael Gainor Tel. (213) 236-1822
For HPMS 2014 data upload, request Data Upload Form


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The City of Somerville has been working hard in its efforts to have a cap removed from its ability to grant liquor licenses to local businesses. In its latest bid, the city received word that the state legislature refused to grant such powers, but that a Home Rule Petition – allowing some 12 additional licenses to be made available – would be considered.
Last week, City Solicitor Frank Wright reported to the Board of Aldermen that the state legislature was disinclined to grant Somerville full control over licenses. In detailing the situation as it stands, Wright explained, "Previously, what the city has had is the quota system, but 10 of those licenses have been dedicated to Assembly Square. What will now be the case is that all forms of alcohol licenses will be citywide, and the legislature will provide, through this Home Rule Petition, 12 additional licenses dedicated to Assembly Square. So essentially, 10 additional licenses will be available throughout the city."
Wright further explained that, "The quota is established by population. We are at quota right now. The city is entitled to 82 licenses, ten of which are designated for Assembly Square, which have not been issued, but the other 72 have been issued. So those 10 that are now designated for Assembly Square will be freed up to be issued throughout the city."
Alderman Tony Lafuente felt that the state legislature does not appreciate the destination Somerville has become. "I will tell you that in the last three weeks I have been trying to recruit restaurateurs to come into Winter Hill, and the one thing I get is 'What about liquor licenses?'" Lafuente lamented. "We have a world renowned chef who happens to live in Ward 4 that is going to be opening up a restaurant in the next year, and he called me just to get my ideas as a business person about how to set up a new business, and so on. I'm trying to encourage him to stay in Somerville and he says it's a problem because of the liquor license." Lafuente suggested that a delegation should be encouraged to undertake discussions with the State House to try and alleviate some of the issues at hand.
In addressing the Board on the matter, Mayor Curtatone said, "It makes no sense, the quota system. I can tell you, this was a long fought negotiation and we'll take what we can get now and move forward, but who here will doubt that these [licenses] will be exhausted immediately?" The mayor further noted that restaurant owners were reluctant to do business in the city due to the uncertainty in the licensing process, as well as the costs associated with such licensing. "We have a model here that we have established with the Board of Aldermen and our Commission that's being looked upon as a best practice. We made a conscious effort to break this false marketplace that if you're a person that wants to invest in a small business, a restaurant, you have shell out what could be over $100,000 for a liquor license. At least now you have a nominal fee under the new system that, even though the licenses come back, you don't have to pay that much, so you can hit the ground running. If those small independently owned restaurants had to put up that kind of cash we wouldn't have that really eclectic mix and dynamic that we have in Somerville right now."
"It's a regulatory issue going back to the days of Prohibition," Curtatone added. "To protect ourselves, so we wouldn't drink ourselves under the table."
Additionally, the mayor also pointed out that there are neighboring cities that are uncapped. "It's a competition issue also."
The Board voted unanimously to approve the Home Rule Petition, sending it on to the state legislature for further action.
37 Responses to "Unlimited liquor licenses nixed"
I am glad that MA made that decision. Less alcohol around = fewer alcoholics and obnoxious drunks on the streets. Pretty basic math.
I'm not glad. Each city should be able to make this decision on its own. There is no reason for the state to be involved in such local issues.
I agree with Ron.
@Ray: I understand your concern about alcoholics but I don't think the number of restaurants that serve alcohol directly reflect the number of alcoholics. The simple math that we as a city need to be concerned about is that fewer liqor licenses mean fewer businesses setting up Somerville. Many restaurants have a hard time turning a profit without alcohol sales. I wish it weren't true (I don't drink), but it is.
@ Ray. Sorry I missed the part where there is now less alcohol available. Someone that wanted a drink before will not be able to find a place to get it with this law?
I'm not glad. Each individual should be able to make this decision on its own. There is no reason for the state to be involved in such personal issues.
"Many restaurants have a hard time turning a profit without alcohol sales."
Then they can make better food and charge more for it. Easy solution there. I applaud MA for the decision! Less alcohol = better Somerville!
Its all about greed. The liquor industry, bars, restaurants, do not want to be accountable when a drunk driver kills someone but they all want to reap the profits. A cheese pizza costs less than two dollars to make and a customer will pay 8, 10, 14, dollars for that pizza. That is not a bad profit for the bar/restaurant.
@Ray: From what I have heard, even the high end places that charge a lot for food make most of their money on alcohol. Better food often means more highly trained (and expensive) staff.
I agree with Meme. Many drugs are illegal, and I still see many drug addicts in Somerville.
I am glad the state stopped this administration from continuing to promote high-end restaurants/bars while we are lacking other types of establishments. Yes, they do make most of their money on alcohol, but the number of patrons are finite. You simply cannot have a glut of restaurants/bars without eventually losing money because you don't have enough patrons. Some day maybe he'll make plans to bring office/industrial uses to the city to help offset property taxes.
All these arguments that bars and restaurants NEED liquor to stay afloat are pure and unsubstantiated garbage. It was the same stupid argument used when there was the smoking ban, really. Yes, the bad ones may need that. I would say that those who need liquor to stay in business are the ones we do not need around. The creative ones know how to attract customers and make a decent profit without needing stinking liquors: create a nice atmosphere where many people want to go, create appealing menus, make the place interesting in other ways, and so on.
Yes "Ray" the "arguments that bars and restaurants NEED liquor to stay afloat are pure and unsubstantiated garbage".. you are correct. I would like to see REAL important facts…like how many people in the past 10 years were arrested (whether walking or driving) for being drunk. How many police response trouble calls were made to drinking establishments in the same period, etc. The numbers would probably show a reason to decrease liquor licenses.
I knew one person who had an excellent reputation and could not get a license at that time…reason, he was told a bar in the area had the connections at city hall and did not want competition. He did eventually get the liquor license as the bar with "connections" got shut down for not paying taxes.
So in this city of 4 miles, it roughly = 20 liquor establishments per mile which comes to one liquor license every 264 feet.
Whether or not restaurants need liquor to make a profit, the city should be able to decide.
@tod: I agree that there are a finite number, but let the market decide what that needed number of restaurants are…. not some government policy.
"but let the market decide"
Bulls**t. The market only functions when there is total transparency. There is no transparency, currently, as Connelly pointed out. The process is driven by short-term gains at the expense of public safety. MA did the right thing because the city is unable to.
Personally I do not drink but I think a lot of people would like to have something with their meals. I think they should all be able to serve whatever goes with the meal. I am not talking bar restaurant place. Just the same as if someone had say a coke with their meal. I think the thing is way over government controlled anyway. But certainly someone wanting some red wine with their pasta should not be a big deal unless they let them consume gallons of it at the table. Somebody wants a beer with their pizza they go to the place that has beer. Probably never happen anyway. Maybe some kind of meal license?
Eliminating all state control over liquor licenses, and letting each city and town democratically decide its own policy, would go a long way towards 'total transparency'. Why does the state need to regulate this at all? Abolish the state ABCC entirely and leave this to each municipality to regulate if they want to.
Mr. Newman, since when does local corruption count as "transparency"? Obviously, you are the kind of person who needs plenty of booze around for some reason (dunno, drunk chicks don't see how ugly you are and are easier to approach? You tell us…).
No "Ron" ..past history…there'd be no "tranparency" as this is the "All America City" The Envelope puh…le.e.e.e.z.
@Ray: yes, if you get rid of government in the process, you would get more transparency. I don't understand the rest of your argument. If you make it harder to get a liquor license, you incentivize the kind of activity that you are alluding to. It becomes so hard to get a license, that people need to do shady backroom deals or have lots of money to get a license. I don't know if that happens now, but I can see that more restrictions put those in power in a position to abuse their power. If reduce the restrictions, those in power have less leverage and cannot use corrupt tactics to personally benefit from the process.
Also, the market comment was in response to the finite amount of demand.
@Connelly: I agree that there's not enough transparancy in the city, but is there at the state level?? The more levels of government you have to jump through, the less transparent the whole process becomes.
I do not drink AT ALL and I don't like drunks, but I don't think these laws helps to address the problems people are concerned with but it does choke economic activity in the city that we desparately need.
It only chokes economic activity we do NOT need, actually. And that is good. If the Mayor was more than a jock with a tie, he would be able to think creatively about this all business and find ways to attract business which are actually good for the city (besides paying some taxes).
Restaurants are good for the city!
Only if they are good.
Im with you Ray, don't feel alone. Apparently none of these people were in the Ville before the 90's, when the city fought to limit liquor licenses. But of course those rules were meant for a different class of people, not the nice pretty folk we have today who can handle their liquor better … Not.
Assebley Square is slated for ten liquor licenses. TEN?!?! Where are they going to fit all these bars and restaurants? Like someone else said, they we couldn't sustain that much competition. And you know whatever resturants go in there will be chains that don't need liquor to stay afloat. Why don't we give five licenses to Assembly and use the other five elsewhere? everyone is happy and you're within the quota.
Capone: There you go. You are making my argument. I agree why do we have ten for assembly? Why not distribute it better? Well, what's better? I say let demand dictacte. If there is only enough demand for 5 licenses in assembly, then fine. If there is demand for 15, then why are we limiting businesses? Likewise, why have more than needed in one area when another is in need of more? You can make the same arguments at city-by-city level. Cambridge has plenty, whereas Somerville wants more.
Yes, you are right. I wasn't here before the 90s. I don't know what happened then. I don't understand why you want the government to control the liquor licenses. Natural demand will control that. After all, why not go back to prohibition era if you are so against alcohol? The complete ban really did a great job at eliminating alcoholics, no? It was also great for increasing transparancy and reducing crime!
@Ray: There are plenty of bad restaurants everywhere. I don't care. If there are enough customers to keep them in business, I'm fine with that. I'm actually more than fine with that. In my opinion, the problem is not the restaurants but the customers: they are the ones with the bad taste. If the customers had better taste, those restaurants would improve or go out of business.
Market man, the way the city was before the 90's is the reason I don't want unlimited liquor licenses. It's also the reason Somerville and the theatre district in Boston, formerly known as the Combat Zone, limited the number of porno shops and strip clubs. There is a limit to these things because there IS a demand. If there was no limit, everything in this city would be a bar, and fastly become an undesirable place to live. And it wouldn't matter how we feel about it because Medford and Arlington don't allow alcohol at all, as is their right. Supply and demand is important, but it doesn't take precedent over the desires of a community. Of course, if you can prove a majority of the city wants this, feel free to change it, and we can go through the same cycle over the next 20 years.
Arlington is not dry anymore, and hasn't been for some years now. Changing this law resulted in many new restaurants opening there.
Medford doesn't allow alcohol? Since when?
Capone: thanks for my nickname. I like that!
You are right that it is the right of the towns to ban alcohol. But in the same way, the town should have the right to control how many alcohol licenses. Somerville doesn't have that control.
Ron is right. Arlington is not dry anymore and that change is one of the reasons they are doing so well economically. Also, I think Arlington's "desirability" has increased since the time when it was dry. I don't think it was causal, but alcohol doesn't seem to make it less desirable.
Belmont, which is considered to be "desirable place" to live by many, is actually concerned by their finances and are looking to Arlington as one example of a town that turned things around. And Arlington's lifting of the alcohol ban is one item that is getting attention. Of course there are many in Belmont with the same concern as you: more alcohol availability will make the town less desirable. I don't think so. Maybe it's the type of establishments. Perhaps if it's just an increase in bars, it will be undesirable by some. But an increase in restaurants? I can't see how.
"I don't think so." Wow, that is the kind of evidence-based arguments we need. Thank you, MarketMan!
A. The desirability {Arlington/Belmont} is by the "gentrification $$$ people" not the middle class average working joe.
B. The large [Arlington] development at the old Symmes Hospital site took the town for a "ride" and may be adding a hefty tax hike down the line.
C. Look at the "history" of police calls for "alcohol problems" and it mandates why there should be less licenses in Somerville.
D. The "alcohol establishment" that the city just had in the newspapers for recent problem just had a fight out front on a weekday afternoon last week.
Like I said in a recent post, Somerville, 4 square miles with the present liquor licenses, has one liquor establishment every 264 feet…thats more than enough now.
Alcoholism/drugs will only be controlled when they implement a 3 strike program for offenders and lock them up long time as historically these 30-90 day rehab programs don't work.
Just check the police log for all the "fraudulent frequent flyers*" EMS (repeat calls same problem/person) drugs/alcohol. One guy did it several times on the same day…meanwhile a legitimate heart attack victim is waiting for an ambulance to come from a further distance/city.
The city did have a police chief who went after these " *fff " and locked them up for being a public nuisance.
@Ray: When I said "I don't think so"… that was not meant to be a supportive argument. That was meant to state an opinion of what *I* think.
@connelly: To your points…
A. I put desirability in quotes, because that means different things to different people. Are you telling me that the average working Joe wouldn't find Belmont or Arlington desirable? I bet many would.
C. Are you saying that the people of Somerville need government controls?? Then you are saying something about the people not policy or process.
FYI: Locking up addicts doesn't work either. There are drugs in prison. I don't have a solution to the drug problem, but I do agree with you that controlling the demand should be the focus. That's part of my argument.
A. Yes they would but most could not afford it. I did not hear of anyone from Somerville running to buy Romney's Belmont house when it was up for sale.
C. No. the abundance of existing licenses and "history" of problems is a justifiable reason enough not to add on anymore licenses.
I've worked at locations with these drug/alcohol programs, the vendor/owners drove in with their Mercedes/Lexus, every month or so to look around. Then left…..
Meanwhile the staff kept the records of the clients discharged close by as within the next 30-45 days they knew the client would return…It is just a big revolving door.
There are some who commit crimes and then get themselves into these programs to hide from the law as Federal guidelines do not allow any info from the programs to be given out. Yet ironic that there is no problem using taxpayer dollars to run these same programs.
Prisons! The Governor & Atty General need to go after those who work in the system and are not doing their job to keep the drugs out.
Thus in addition to repairing roads there is a lot of other things in serious need of repair too.
Love to hear the rationale for why Cambridge gets unlimited licenses and Somerville doesn't. I'd like to see the city challenge this one in the courts.
I'm also curious which members of the Somerville delegation fought for or against this petition.
A. Cambridge is much larger than Somerville.
B. Cambridge get their Universities to give $8 million ea /per year in lieu of taxes. Somerville does not.
C. In "These Tight Fiscal Times" the city cannot afford these type of lawsuits…let the places that want it pay the legal fees, a lot of the owners do not even reside in the city and you want to foot the bill???
Cambridge isn't that much bigger that Somerville, especially if you subtract out large unpopulated open spaces like Fresh Pond Reservoir, Cambridge Cemetery, and Danehy Park that really don't have any equivalents in Somerville.
State should keep out of it.
Also, most drunks I know don't sit around in bars and restaurants – it gets expensive – they just hang around their kitchen table or living room getting sauced. So, I don't see adding more liquor licenses as increasing the number of booze hounds by all that much.
Bring on more gin joints if only to somehow increase "revenue" to cut our property taxes as the nitwits running things have no chance of reducing expenses. The corruption machine (unions/old-boy-network/etc) needs to be fed. Constantly and ever increasingly.
Well Harry evidently you know the who's…who, upper echelon of those who heavily imbibe.
See Harry they are "SOME" bars that only kick them out when the "imbibers" start making noise…then there are the "SOME" bars that let them run a "TAB" and when they are sloshed, wasted, imbibed, etc. Drinks for others are on their tab too….
Then when the "imbiber" gets fired from their job for procuring funds to pay off "SOME" those "TABS" that the "imbibers" patronize. Thus the "TAB" funding dries out and those 'salt of the earth' owners then ban the "imbibers" as those bars have no assistance program for those former patrons whose prior funding helped the owner pay for that vacation home. See Harry, over the years I have heard the stories, only the names have changed.
One guy stayed in a live in alcohol rehab program for over 20 years…a newbie arrived and talked him into "escaping" from the program….2 weeks later both were found dead in a park from alcohol poisoning.
Whether it be drugs or alcohol….there is NO QUICK FIX.


text:
How Low Will Health Care Enrollments Be? Here's What to Watch For
Just a fraction of the 500,000 people expected to enroll in Obamacare via the new health exchanges have done so, according to media reports anticipating the official numbers. But there's more to the story.
68 comments
Curious about "age mix." I imagine information on the ages of those who enroll should be available. But "young" does not mean "young and healthy" which is what the plans need to succeed. Just as the plans on the exchanges may be particularly attractive to older people with health issues, they will also be particularly attractive to younger people with health issues. The ACA is structured as an attempt at some social engineering through a hodgepodge of penalties and incentives but insurance plans on the exchanges remain most appealing to those with health issues. Given the low numbers expected to sign up, there is a likelihood that the people enrolling are significantly less healthy than the general population. I don't know if information on pre-existing conditions is collected during the enrollment phase but I would think that "health mix" is more important than "age mix."
The Health Care System, or as I like to call it now, the Health Care Extortion system, is in a state of rapid collapse for a host of reasons, most traceable to predatory financial activities by the big players, who consistently make more and more money of the carcass of what was a fairly respectable system when I graduated med school in '79. I keep asking how it is better to have more access to a system that is crashing. People just stare at me when I say that. No answers.
During the 1st month of Romney's Masshealth, only 123 persons signed up. Now, nearly the whole state is signed up—at least those needing their own insurance.
Gee, Herb, maybe they just stare at you because they recognize a strawman argument when they see one.
Kentucky's success - and whether or not Rand Paul and Mitch McConnell will be threatened with defunding by the GOP - might better be measured by how many Kentuckians who need the ACA but who don't have/cannot afford computers and internet (or even telephone) access have been helped "manually".
Something else I'd like to know…how many times have multiple partial sign-up attempts originated from entities like local/national GOP and "Young Republicans" offices.
Maybe I'm just a cynic.
Why is the administration and its cheerleaders mentioning the Medicaid numbers in Obamacare coverage? Medicaid increases are additional evidence of a bad economy - not the strength of a health care program. Medicaid is NOT Medicare - the senior's health program - it's a straight-out welfare system. I am not pounding the idea that poor people ought have coverage, only asking why the numbers are mentioned in an article about Obamacare.
Consider the Connection to: Environmental Conservation CTC2 [PEOPLE]
People are ignorant but NOT invincible!
Jerry Lee Mayeux on Facebook
The new insurance system relies on young, healthy consumers to help share the risk with older, sicker ones.
Different question: How long is a program like this sustainable when it depends on (a) people with the crappiest incomes in the country (due to inexperience) overpaying to cover people they generally don't care about and (b) an increasing birth-rate in a world where important people hawk their Malthusian theories and young adults are putting off starting families?
I mean, in the latter case especially, isn't the lack of young people paying taxes exactly the reason we're told that we need to put off retirement and survive on less as we age…?
Seems like the law would be so much better without the insurance aspects. When you're sick, if you don't already have insurance, you pay a tax penalty and the government insures you. Set the penalty to the average cost of care for the year. Ta-da!
So nearly 20% of the total enrolled in healthcare insurance come from one of the least populated states in the Union. When you back that out it leaves just 33,000 for the other 49 states. That is only 675 on average per state. The numbers are already beginning to NOT add up.
Given that the government lies about virtually everything it is difficult to believe at this point that the new "initiative" is anything but a bust.
Looked at from a different perspective the "plans" offer little in real coverage to the consumer. The very best "Gold" plan is in effect a high deductible 80/20 plan. It has lengthy exemptions and restrictions. So despite being called insurance it really isn't. One stay in the hospital of say 15 days and 90% of the families enrolled face bankruptcy. And god forbid both you and your spouse are involved in a crash together. Now before you say but it limits out of pocket expenses! Well hold the phone those "limits" have already been delayed until at least 2015. And most likely they will never be implemented.
In short if you are facing bankruptcy with the first major hospital stay. The premiums are stretching your budget to the max before the co-pays and deductibles. And the paperwork gives you migraines, while all your private data is sold and resold many people who need insurance figure they might actually be better off without any. At the very least they know where they stand.
Our government has spent over 4 TRILLION dollars fighting wars in the middle east and they still can't provide affordable real health insurance or feed all its poverty stricken children. Talk is cheap and actions speak louder than words. Our leaders value war over the welfare of their own people.
The Obama Care plot to have the young and healthy pay for the sick and/or old has suffered a small set back. The larger scale plot of selling lots US Treasury Bonds and State Bonds continues to transfer the out of control social welfare entitlement costs to the young and healthy. So the intergenerational screwing of the young goes on lead by Obama the con man they voted for; but he talks so nice.
Obama Catcher Bush Pitcher——
CBO evidence continues to show the Great Recession, Bush huge Tax Cuts,
two wars explain most of the deficits on Obama five years. The Obama efforts to stabilize thew economy increased budget deficits only briefly and will have no effect on long range deficits.
Deficits in 2010-2012 topped one trillion. If current policies remain in place, deficits my range
between $600 billion and $900 billion reaching a low point in 2015. Reining in long range deficits
would be easier were it not for policies set during the Bush years. The tax cuts plus costs of two wars and American Taxpayer Relief Act will account for half the debt we will owe under current policies by 2019.
The Great Recession hit the budget, driving down tax revenues and swelling outlays for employment insurance, food stamps and other safety net programs.
It is estimated that the downturn has pushed up deficits by $2500 billion over the 2009-2018 period.
Seems to me like grandiosity, ideology and dishonesty doomed this program. Was it really necessary to throw out an entire system in need of reform for this? An untested grand scheme based upon partisan assertions was the best our government could do? Was the real goal a step towards single payer and, if so, what objective facts justify such a "fundamental transformation" of what was already in place? Hard to believe that none of the opposition's ideas such as tort reform and competitive interstate markets for insurance to name a couple were worthwhile. We have an obligation to help those who cannot help themselves but why didn't we figure out a way to do that instead of creating this mess? Our government seems out of control.
Maybe if "the right" didn't manage to convey the impression that their goal in attempting to delay the ACA isn't to ensure the general welfare of the American people but lies instead in boosting the profits of the insurance and medical sectors - and their own stock dividends - by shoving five or ten thousand uninsured Americans into the cold, cold ground for every month delayed…
There are lots of ACA success stories out there. I'm one of them. Why doesn't anyone report those?
I live in New York and have a policy through a professional organization that is being cancelled as of 12/31, not because it doesn't meet ACA standards, but because it is a sole proprietor policy (the other category that was supposed to be cancelled with the advent of the ACA).
Through the NYS exchange my new silver level plan through United Healthcare will cost me $639 a month, compared to the $1000 a month I currently pay also for a United plan. My deductible will decrease from $500 to $250, all my doctors are in network as they are now, my drug co-pay remains $10 for generics, my doctor visit copays go from $40 to $30 for a specialist and all the way down to $20 for my primary care doc. I will no longer have out of network benefits under my new plan, but I don't see a big downside to that right now.
TK, maybe there are ACA success stories in your income bracket, but not in mine.
My payment, as a single mother with one child at home, would be $60 per month after subsidies, which I cannot reasonably afford. My family deductible is $7,000, which I cannot reasonably afford. The co-pay is 0% for in-network doctors, but all hospital stays must be pre-approved.
How is that health insurance? It's not.
I understand that the $60 premium is a hardship, but I'm not sure I understand the rest of it. Yes 7K is a high deductible, but if you have a 0 copay for doctor visits you'll be able to go to the doctor without worrying about having to meet it.
well, the problem is not just the $60 premium. it's the need for pre-approval of MRIs and CT scans, it's the staying within the health network, it's the need for pre-approval for ALL hospital stays, AND it's the $7,000 deductible, which means i don't really have a 0% co-pay until i've paid $7,000. isn't that how deductibles work?
@betty: Your description? It sounds just like the shock expressed by everybody in America when their company stuck 'em into HMOs in order to increase "shareholder value" (and fatten the CEO's paycheck).
steve, i agree. but i think that what makes this worse is the fact that supposedly washington was so "concerned" about those of us who could not afford insurance and so they invented the ACA.
the fact is, we still can't afford insurance. and if we decide to play by the rules and obey the law, some of us will be throwing an extra $720 per year down the toilet for absolutely nothing.
example: 5 years ago i passed a kidney stone. hospital bill: $6000. paid it off in installments. under the ACA the same incident would cost me $6720 and i'd have to get pre-approval for the CT scans and xrays they performed while i was in the emergency room.
a scam, if you ask me.
Yes. A scam, but one of such magnificent proportions that it qualifies as a "big lie" as well. People have been told what to think, not use critical judgement, and obligingly enough people do so as to allow the continued success of a culture that is basically all scam, all the time. The apocryphal quote about being able to fool some of the people all the time fails to address the issue of what proportion of fools and useful idiots is necessary for Corporate Tyranny to survive in its sea of marks.
Happy hollidays,
Herb Ruhs, MD
I don't know what kind of insurance you have now, but pre-approval for hospital stays, MRI, and major procedures is more the rule than the exception and has been for some time.
As far as the 7K deductible is concerned, you need to look carefully at the policy to see what is and what is not subject to the deductible, not everything is.
Which state do you live in? Policies vary in price widely from state to state and some states are better than others and in some cases much better than others.
You also should check out under what circumstances you need pre-approval for something. Unfortunately looking at one's premium and deductible rarely tells the whole story. Blame the insurance industry for that and President Obama and the whole damn Congress for being in bed with them.
You also need to look to see what your "out of pocket maximum (max)" is.
Which is defined as
Total dollar amount an insured will be required to pay for covered medical services during a specified period, such as one year. The out-of-pocket maximum may also be called the stop-loss limit or catastrophic expense limit.
I note some from the medical community being upset…I wonder if they were upset when Reagan trampled on the rights of the air traffic controllers union…or when the neoliberals and the Republicans inflicted inequitable free trade upon America, destroying jobs which included decent health insurance…
Was the medical community upset when Congress changed tax laws to favor investing/"high finance" over building/creating jobs…giving Wall Street control of both the greed and the ethics of hospital and medical supplies corporations and health insurance corporations…and then added deregulation to make separating the American people from their savings easier?
Were doctors upset when Reagan and Bush, Jr. used "voodoo economics" to incentivize those who could - particularly those who provide life-and-death services or inescapable necessities like energy - to permit their greed to run rampant?
Anybody who was alive in the 1970s knows that "the health care crisis" didn't exist then…and they should have already asked themselves "What changed?".
And they should ask themselves other questions, like who convinced Congress and Clinton to reduce the reimbursements for residency slots in hospitals paid by Medicare in the 1990s, thus intentionally and artificially reducing the supply of doctors today? Or rather, what extremely limited pool of Americans benefited from that act - at the cost of the American people and our nation as a whole?
Who was it, exactly, that put their own greed ahead of the American people and the United States of America? Why is this (Mercatus) chart reality???
If you want a bigger chart that shows how bad health care costs in America are when compared to even more countries, try this:
(It will take longer to get through moderation, so I put it in a separate comment.)
America is being…raped.
"(It will take longer to get through moderation, so I put it in a separate comment.)
America is being…raped."
Thanks for the warning. There is no excuse for my cluelessness and gullibility. Somehow I believed that this was not moderated—hello moderators, love you guys and gals, have a lovely set of holidays—, more delusional thinking. Got to watch that wishful sort especially.
OK, bye everyone.
steve, i have no health insurance. in my example about the kidney stone, i stated that i paid off the hospital bill in installments.
the premium of $60 per month and deductible of $7,000 come from the research i've done on healthsherpa.com (wouldn't go to the government exchanges if you paid me….)
there are other policies available, yes, some even free after subsidies. but those also have a huge family deductible, and most tests, hospital stays—actually most EVERYTHING—requires pre-approval.
thank you for attempting to explain insurance terminology to me. i am definitely not familiar with the lingo, having never had insurance. while i am not sure whether simple doctor visits under my hypothetical policy would be free or not, i can tell you that i have never spent $720 a year on doctor visits.
there are plenty of sliding-scale clinics in my community, where the fee usually falls around $30 per visit. in addition, there are two "good samaritan" clinics where doctors volunteer their time and talent, as well as a few good-hearted doctors in private practice who manage to keep their fees affordable. i am a very healthy, middle-aged woman, and have never really had much use for doctor visits.
i am over the limit for food stamps, medicaid, HUD, etc. i survive on my small income quite nicely by being very adept at keeping a budget. i resent the fact that my budget might be upset by being forced to buy health insurance. i highly doubt i will comply with the ACA mandate, nor will i pay the penalty.
i am self-employed, so i never get a tax refund.
of course it would be nice to have some sort of catastrophic policy in place, but i guess that is out of the question now.
whenever God calls me, i'm ready.
herb, rock on. loved what you said about lies.
steve, richard nixon is probably responsible for the start of the health care crisis. i was only 12 in 1973 —technically, "alive in the 1970s" —therefore i had no interest in health care crises, nor the HMO act, so i am not sure if nixon is to blame or not. :-)
come to think of it, i'm not interested in health care crises now, either, aside from the fact that the ACA is unconstitutional, anti-catholic, and a big lie, like herb says.
good night, and good news.
-ted baxter
excuse me, TK, i meant to address your comment about what type of health insurance i have, and instead i addressed steve. i apologize.
and thank you, too, for explaining deductibles and pre-approvals. totally agree with obama et al being in bed with insurance. they're in bed with a lot of other people, too.
Thank you Ted.
And Betty, thank you for your comment. You represent the every person of our time, here in this place. Fingertips clinging to survival, seeking solace in acceptance. I had planned to work as you describe. Free even. Even had a good job lined up with San Francisco Public Health, for which I am well qualified, but the Feds in their maniacal wisdom sent them a letter saying that if they hired me, FOR ANYTHING, they would lose Federal Funding. Talk about crashing and burning at the last interview!
Health issues keep me pretty house bound now so there is little I can do anymore, but during my active career I always sought to serve the underserved.
So here I am now, stuck in a unremunerative occupation, that, by the way disqualifies me for much of anything else too, with an expensive license to maintain and no opportunity to use it. I think some of my angels may have a twisted sense of humor.
@betty, who said: the premium of $60 per month and deductible of $7,000 come from the research i've done on healthsherpa.com (wouldn't go to the government exchanges if you paid me….)
lolll…hardly fair to criticize something that you have not and don't intend to verify.
Misleading, if not intentionally dishonest.
herb, you're a poet.
very sorry to hear about your health issues, but take comfort in the fact that suffering is redemptive. offer it up for the soul of obama. no, wait… obama doesn't have a soul. ok, offer it up for the state of disgrace our country is in.
and remember, "it is better to light one candle than to curse the darkness." and you've certainly been a light in this discussion. thank you.
hang in there, herb. i'll say a prayer for you.
peace out.
oh no, wait a minute!! can't sign off without correcting you, steve.
healthsherpa.com actually FUNCTIONS. the government website does NOT. the information is the same. you go to healthsherpa, you find out what policies are available, then you go to the particular insurance company's website and you download a PDF of the exact details of the policy. this is the proper way to research things, steve.
do think the policy would somehow be more "real" if i actually purchased it? the numbers would change? the limits of the policy would change? what an odd claim, steve.
do you research anything before buying it? a car? a college education? a house? do you buy it without knowing EXACTLY how much it will cost you and all the terms involved?
no deceit involved here, steve. and i resent the implication.
steve, you pissed me off. so i read the entire policy in question. nothing is covered until the deductible is met, like i said before. only preventive services are free. if you want to know what they are, they are listed on healthcare.gov.
i would never use any of these preventive services. not even mammogram. nope. and that is my choice.
healthcare.gov recommends using the kaiser subsidy calculator to estimate the cost of coverage (which i had already done while doing my earlier research.)
so i entered my info again, only this time using my adjusted gross income instead of gross income. yes, i admit my mistake, steve. you win one point on that one. subsidies are based on AGI. here are my results based on last year's taxes.
* * * * * * * * * * * * * * * *
Household income in 2014: 111% of poverty level
Maximum % of income you have to pay for the premium, if eligible for a subsidy: 2%
Health Insurance premium in 2014 (for a silver plan, before tax credit): $3,532 per year
You could receive a government tax credit subsidy of up to: $3,189 per year (which covers 90% of the overall premium)
Amount you pay for the premium: $343 per year (which equals 2% of your household income and covers 10% of the overall premium)
Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $4,500. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered. You must choose a Silver plan to get the savings.
* * * * * * * * * * * * * * * *
so the premium cost went down by half, good. but the out of pocket is still too high to be affordable to me.
reading the complete details of the policy i chose didn't change my perception of it; everything which i previously stated has to be pre-approved actually has to be pre-approved, including being admitted to the hospital after an emergency room visit. and it all has to be considered "medically necessary."
so thanks for the thought, obamacare. but even with subsidies the policy is not do-able for me.
and thanks to you, steve, for pissing me off enough to do some extra research. hope the results meet your criteria for transparency.
p.s. abortions are not covered on this policy, unless necessary to protect the life of the mother or when pregnancy is caused by rape or incest.
well, that's halfway good, at least. don't say a word, steve.
So I'm guessing you don't live in a state that has expanded Medicaid. The new Medicaid income threshold is 138% of the poverty level.
@betty, who said healthsherpa.com actually FUNCTIONS. the government website does NOT.
Did you bother to ask yourself why that is?
healthsherpa.com is attempting to make money for itself…that is, it is motivated to achieve the most functionality at the least cost…to make the most profit by spending the least possible.
CGI Federal - the company that the Bush Administration started outsourcing to and was charged with the health care website - is motivated to make money for itself. That means not achieving the most functionality at the least cost because the government/taxpayer picks up the cost…because building a system that functioned to specification on time would end their ability to milk the government/the taxpayer of yet more money.
In other words, "Business-with-a-capital-B" is screwing America and the American people, but those who don't like the poor…who don't like the idea of the poor inconveniencing them…are taking this opportunity to attack anybody and everybody who defends the poor and the American people (any of whom can become poor literally instantly). To include Obama.
And private insurance companies are likewise motivated to make the most money they can with the least expense…that is why they had the only existing legal "death panels" in America…that is why they denied health care coverage to those with "preexisting conditions"...that is why they cut people off who actually used their health care "too much"...like, at all.
I don't understand why the media gives the business that is screwing America a free pass…although I suppose the fact that the media itself has become a business has something to do with it.
But if you think government is bad, turn government's functions over to business…then you'll see "death panels" in all aspects of American life. "Replace the guide rail on that road? That would cut into profits…and we don't drive that road, anyway."
What too many Americans refuse to recognize - sadly, too often because of their greed - is the difference between our "government", which is charged with
We the people of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defense, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity, do ordain and establish this Constitution for the United States of America.
and business, with is charged (thanks to Wall Street and Jack Welch) only with increasing "shareholder value".
That means that our government will kill the citizens of other nations - either directly or through denying us access to that which we need to live - in order to achieve the goals of the Preamble to our Constitution.
That means that business - either directly or through denying us access to that which we need to live - will kill the citizens of other countries and any and all Americans if that will increase "profit"...if that will increase "shareholder value".
If you think I exaggerate, consider again the fact that insurance corporations deny medical care to those with preexisting conditions…or look up the environmental records of GE or Koch Industries.
"The right" doesn't really want to eliminate "government"; they want to eliminate things like the SEC, FDA, EPA, OSHA, and the other entities that prevent business from preying on the American people…the entities that inhibit "profit" and reduce "shareholder value".
But do you hear them demanding that the organs which serve to police and control the American people be eliminated? Do you hear them demanding an end of "the war on drugs"? Do you hear them demanding the abolishing of their ability to pursue debts? Do you hear them demanding an end of the laws that prevent Americans from acting against them with guns?
The base of the right…the people who shriek their hatred of anything designed to help those less fortunate than themselves…their worldview is too small…it is confined to the interior of their wallets.
Way to bo Betty!!! The only nit I feel compelled to pick is that what we get from the media is a carefully choreographed Corporate hagiography of monsters eating the population alive. The Media is the Message and the message is "Go f__k yoursleves, ass—-es." In virtually every case that I can find in world history where plutocracies rule this is the rule. Screw the weak to fatten their wallets (the exception I know about is Kerala, India). It is an essential feature of plutocracies to rob the poor. Modern scientific propaganda methods (focus groups, etc.) have added mass insanity to the mix by working tirelessly to mislead and confuse the population. Not that this sort of mass abuse is new. For example deliberately causing famine has been a strategy for retaining control by plutocratic elite rule forever. Watch now as basic food prices soar and death from starvation soars along with it.
The Universe is a kind as possible. If we fail to learn from a situation the Universe amps up the stakes and sends us the problem back again.
My bumber sticker version of this is "Suffering is the only possible cure for stupidity."
Sigh…a most unfortunate error…a consequence of passion, I'm afraid.
Where I said
That means that our government will kill the citizens of other nations - either directly or through denying us access to that which we need to live</i?
<i>That means that our government will kill the citizens of other nations - either directly or through denying them access to that which they need to live
Freudian…I worry that the Republicans will indeed attain their utopia; sometimes that fear leaks into what I write.
My bum[p]er sticker version of this is "Suffering is the only possible cure for stupidity."
From your mouth to God's ears…
TK, correct, my state will not expand medicaid.
however, my son is probably eligible for medicaid as it currently stands—(he'll be 18 next summer; will have to investigate how long he's eligible).
if i enrolled him in medicaid, however, my subsidy for ACA would be reduced, thus increasing my deductible. but it's a moot point, because unless i develop a major illness or suffer a catastrophe, i don't have a need for a health insurance policy, and i just don't feel good about the ACA in general.
thanks for your suggestions, TK, and i'm very glad you were able to find something to fit your needs.
steve, healthsherpa.com is not a profit-making venture. as far as i know it's basically just a search engine for insurance policies. i highly doubt the three 20-somethings who created the site are getting kickbacks from the insurance companies. you can't buy a policy from healthsherpa; the site merely links to insurance provider websites, where you peruse plan details.
your rants are very interesting, steve. are you… anti-obama? anti-republican? libertarian? hard to tell.
herb, very interesting also. and thanks for the compliment. my theory is that along with or instead of food prices soaring, many nutritionally-void or toxic foods will be made readily available to the poor of the world, so that they will die of disease even while thanking their sinister benefactors for their daily bread. codex alimentarius, herb. codex alimentarius. it's happening all over the world even now, especially in america.
as always in parting, we wish you peace, love, and soul.
- don cornelius :-)
Betty said," many nutritionally-void or toxic foods will be made readily available to the poor"
History is replete with this ploy. My favorite were the ergotamine poisoning during the middle ages. Much more interesting than the effects of trans-fats and hydrolyzed sugars. The genetic engineering mass experiment underway offers another example of deliberate poisoning of the mass of the population. No point in getting upset though. Certainly does not help the digestion. Personally, I have cultivated an appreciation of black humor to get through the day.
@betty, who made an unintended, I suspect, point with
unless i develop a major illness or suffer a catastrophe, i don't have a need for a health insurance policy
@ibsteve2u Indeed.
We have become so befuddled by marketing messaging that it is difficult to see things for what they are beyond the superficialities. The whole idea of "health insurance" is just an elaborate con based on rebranding gambling in the name of health. After all what is the transaction? You give a sum of money to a third party that bets that you won't get sick while you are betting that you will. But unlike regulated gambling (where it still exists) the house gets to right the rules of the wager and change them at any time by cancelling your so called insurance. A bookie wouldn't last long who settled losing bets that way. The economists at Missouri would say that the health insurance market is an artificial one that depends on government granted monopolies.
There is another economy richly available. Almost anything said these days by mass media "economist" is total bull and can be safely ignored, though it is hard to get the fallacious assumptions out of ones mind. I have lent out Debt: The First 5,000 Years by David Graeber to a few people who report having the scales lifted from their eyes as they view economics from an anthropological point of view. Most of the assumptions we make these days about money and debt, profit and loss, are in error. Deliberately in error due to the work of professional liars in robes.
steve, steve, steve… sigh.
i don't live my life, like herb said, "betting i will get sick." i do the necessary daily things which keep me healthy, i trust in God, and if something happens i deal with it.
i should not be forced to buy something i feel i don't need; especially at a price which upsets my budget.
if there was an option to buy catastrophic insurance under the ACA, i would seriously consider it, steve. but as the ACA is written, that is only an option for those under 30.
because of the forced participation issue and multiple other issues which offend my sensibilities, i have concluded that i will not partake in the ACA.
thank you very much.
herb, you da man!!
thank you, oh thank you, thank you, THANK YOU for writing "The genetic engineering mass experiment underway offers another example of deliberate poisoning of the mass of the population." YES!
my new goal is to only buy my food at the farmer's market and stay out of grocery stores as much as possible. it's so empowering and comforting to speak to farmers who are committed to growing non-GMO crops and raising humanely treated, naturally-fed animals. i hope they all have started their own personal seed banks…
i do believe in spooks, i do believe in spooks, i do, i do, i DO believe in spooks!
-the cowardly lion
and herb, i just have to say, i absolutely LOVE this line: "Deliberately in error due to the work of professional liars in robes."
yes indeedy!!
You liked that? I thought it was obscure. I was aiming at the academic and judicial robes. Feel free to pass on anything you like. My family sometimes put things I say on Twitter. Now it is in hiatus, but for the last couple of years we have been in a CSA from a farm we can easily walk to. Shopping has become cloak and dagger sort of thing. I stand there looking at the goods thinking, "Is there any packaged stuff I trust?"
another scary consequence of trusting in the Almighty American Health Care System—nothing new, but it's particularly clear in this case:
"Court: Ohio hospital can force chemo on Amish girl"—i cannot provide the link here due to moderation protocol, but it is an online usatoday article dated oct 7, 2013.
so let me get this straight: the supreme court (a.k.a. "professional liars in robes") (thanks, herb) says it's ok for a parent to do whatever it wants with a child while it's still in utero. but once the child comes out into the world, only doctors and courts know what is best for the child. hmm.
and since when is chemotherapy a guaranteed success? i know plenty of people who have had chemo and died anyway. no medical treatment is ever guaranteed. the poor child even BEGGED her parents to stop the treatments because they were so debilitating to her. what if she died from the side effects of chemo? what would the court say then?
this case is a perfect representation of how disgustingly mis-guided and hypocritical our country is. people playing God by taking away life from some and forcing dubious "life saving" therapies on others.
only God decides who lives and who dies. we humans think of death as something to be avoided at all costs because we simply don't understand it. death is not suffering. it is the END of suffering. it is life eternal with the Father.
only those who have no faith fear death. and this little girl, her parents, and the entire community they live in trust in God and have given their lives over to Him.
this is another unconstitutional, anti-religious decision. horrible.
@betty, who spake - after having said
unless i develop a major illness or suffer a catastrophe, i don't have a need for a health insurance policy
spake thusly
i don't live my life, like herb said, "betting i will get sick."
lolll….I bet you take a lot of back roads when you drive…given that state troopers who find people driving with your attitude of "I don't need insurance!" tend to react rather…predictably.
The Rollout of the Affordable Care Act has been marred by glitches and political opposition.
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text:
|Premature rupture of membranes, placenta increta, and hysterectomy in a pregnancy following endometrial ablation.
MedLine Citation:
|PMID: 16435009 Owner: NLM Status: MEDLINE
|Endometrial ablation has become a popular method of managing menorrhagia. Pregnancy after endometrial ablation has a high rate of complications. We present the case of a parous woman with a history of endometrial ablation with preterm premature rupture of membranes. Despite the absence of established sonographic markers for abnormal placentation, placenta accreta was noted at the time of cesarean delivery. In women with history of endometrial ablation, the endometrium is not normal and may allow for more aggressive placental invasion or adherence. Consequently, the sonographic indices described for evaluating placenta accreta may not be present. We believe that placentation in women with prior endometrial ablations should be considered extremely high risk for placenta accreta or increta and managed accordingly when preparing for delivery.
|B D Hamar; E F Wolff; P H Kodaman; I Marcovici
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Publication Detail:
|Type: Case Reports; Journal Article
Journal Detail:
|Title: Journal of perinatology : official journal of the California Perinatal Association Volume: 26 ISSN: 0743-8346 ISO Abbreviation: J Perinatol Publication Date: 2006 Feb
Date Detail:
|Created Date: 2006-01-25 Completed Date: 2006-05-02 Revised Date: -
Medline Journal Info:
|Nlm Unique ID: 8501884 Medline TA: J Perinatol Country: United States
Other Details:
|Languages: eng Pagination: 135-7 Citation Subset: IM
|Maternal-Fetal Medicine, Yale University School of Medicine, New Haven, CT 06511, USA. email@example.com
Export Citation:
|APA/MLA Format Download EndNote Download BibTex
|MeSH Terms
Catheter Ablation / methods*
Cesarean Section
Combined Modality Therapy
Endometrium / pathology, surgery*
Fetal Membranes, Premature Rupture / surgery*, ultrasonography
Follow-Up Studies
Hysterectomy / methods*
Placenta Accreta / surgery*, ultrasonography
Pregnancy Outcome*
Pregnancy Trimester, Third
Risk Assessment
Ultrasonography, Prenatal / methods
From MEDLINE®/PubMed®, a database of the U.S. National Library of Medicine
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