text:
Each year, Medicare Advantage enrollees have the opportunity to change plans during an annual enrollment period. This opportunity is important because Medicare Advantage plans can make changes in their benefits, cost-sharing, provider networks, and premiums each year, and beneficiaries health needs may change from one year to the next. The open enrollment period allows enrollees to compare plans, stick with their current plan, switch to another plan, or shift to traditional Medicare. It is also the time when beneficiaries in traditional Medicare can switch to Medicare Advantage plans.
Little is known about the extent to which Medicare Advantage enrollees change plans during the annual open enrollment period. Prior research shows that roughly the same share of beneficiaries, 5 percent, shift between Medicare Advantage and traditional Medicare each year that most enrollees tend to stay in a Medicare Advantage plan once in Medicare Advantage and that switching rates from Medicare Advantage to traditional Medicare are higher among high-need, high-cost patients.
This analysis focuses on enrollees in Medicare Advantage plans with prescription drug coverage (MAPDs) who change plans when given the opportunity. It also analyzes the variation in the rate of plan switching by enrollee and plan characteristics and whether people who voluntarily switch plans tend to move to plans with lower premiums, lower out-of-pocket limits, or higher quality ratings. The analysis is based on a five percent sample of Medicare claims data merged with plan data from 2007 to 2014.
|Additional Updates:
Medicare Blog | Medicare News | Medicare Information
Tags: Humana, Cigna, Medicare Advantage, Medicare, UnitedHealthcare, aetna, AEP
Are you ready yet?
The start of Medicare's Annual Election Period (AEP) – Oct. 15-Dec. 7 – is just over a month away, meaning agent preparations are well underway to make sure they will hit the ground running and processes will run smoothly so as to not lose valuable time.
It's a stressful, pressure-packed time of year for agents in the senior market who can't afford mistakes that force them to take finite time away from selling to deal with issues, or not having a solid strategy in place to ensure their time is being spent efficiently.
This being the case, Insurance Forums asked top executives from some of the leading IMOs/FMOs in the senior market to share some of their insight and advice about key topics to be aware of and how agents be as prepared as possible in advance of AEP.
We want to give a special thanks to Craig Ritter of Ritter Insurance Marketing, Josh Vandenberg of Precision Senior Marketing, JoAnn Wray of Senior Marketing Specialists and Ryan Kimble of Agent Pipeline, Inc., for taking the time to provide their unique perspective (please see bios for all four execs at the end of this article). Here in Part I we share their responses about opportunities, potential obstacles and advice for dealing with the stress that goes along with AEP planning and execution. In Part II on Thursday, they'll cover the value of hired help, specific ways they are helping their agents prepare for the coming rush, and what would constitute a successful AEP when Dec. 8 rolls around.
Things to do prior to October 1st:
Please click the below link to read the full article.
|Additional Updates:
Tags: Humana, Cigna, Medicare Advantage, Medicare, UnitedHealthcare, aetna, AEP
Cigna and some financial analysts do not think the federal sanctions will hurt the company financially this year even though Cigna is prohibited from enrolling new Medicare Advantage members. Medicare's annual enrollment runs from Oct. 15 through Dec. 7. The muted financial effects likely stem from the CMS sparing Cigna from losing large sums of bonus payments.
However, Cigna has already spent $30 million trying to fix the issues. And as the Bloomfield, Conn.-based insurer has detailed in previous regulatory filings, if the sanctions persist deep into 2017, the impact to Cigna's Medicare customer base, revenue and cash flows "could be material."
The CMS levied sanctions on Cigna this past January, which banned the company from marketing and selling its Medicare Advantage policies to new beneficiaries. Cigna, which the CMS said has had a "longstanding history of noncompliance," had multiple problems that posed a "serious threat to the health and safety of Medicare beneficiaries," according to the letter outlining the problems. For example, Cigna inappropriately denied medical care and prescription drugs to its Medicare members and kept members in the dark about why services were not covered.
Several other health plans have faced sanctions for deficiencies in their Medicare Advantage business. SummaCare, an insurer owned by Summa Health System in Akron, Ohio, was one of the quickest plans to resolve its issues, getting its sanctions lifted within eight months. However, most Medicare plans slapped with the punishment usually need a year to fix everything.
Immediate financial repercussions pop up, even though Cigna downplayed them Tuesday. For example, SummaCare's membership declined by almost 17% while it was under federal sanctions from 2014 to 2015.
Previously, Medicare Advantage plans that were hit with sanctions also had their star ratings lowered. But the CMS surreptitiously rescinded that policy in March, to the immediate benefit of Cigna.
Medicare Advantage has been a booming business for health insurers as more seniors and disabled people choose the managed-care version of Medicare. Even though the Affordable Care Act cut payments to Medicare Advantage insurers, the program's enrollment has exploded, giving companies access to huge sums of taxpayer-funded revenue.
Cigna recorded $6.14 billion in revenue from its Medicare business in 2015. It had 533,000 Medicare Advantage members as of June 30, keeping Cigna among the six largest Medicare Advantage companies.
Because of Cigna's update, Chris Rigg, a health insurance analyst at Susquehanna Financial Group, lowered his 2017 revenue projections for Cigna by $362 million "in order to take a more conservative stance."
Cigna, which Anthem is attempting to acquire for roughly $53 billion even though the federal government is blocking the deal, did not make anyone available for this story. The company sent a statement that reiterated the information in its regulatory filing and said it "continues to address the matter in full partnership with CMS."
|Additional Updates:
Tags: Cigna, Medicare Advantage, Medicare
As we head into the AEP, it is always helpful to understand clients' challenges and the importance of an agent in the decision making process. While directed towards Medicare beneficiaries, this article provides invaluable insight for insurance agents as well.
Navigating the Medicare maze could cost you plenty… By Phillip Moeller – September 1, 2016
MEDICARE IS "complicated and often opaque and impenetrable," says MONEY contributor Philip Moeller, co-author of the bestseller Get What's Yours: The Secrets to Maxing Out Your Social Security. That's a shame, given the impact Medicare—the health insurance program covering more than 95% of Americans 65 and older—can have on your life. Medicare households spend 15% of their budget on health care, reports the Kaiser Family Foundation, compared with the U.S. average of 7%. The wrong coverage or a missed deadline can not only cost you thousands but also threaten your health.
To guide you through the morass, Moeller has written Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs, due out on Oct. 4. In the book, Moeller walks you through the system's many complexities; this Time article provides key pieces of advice drawn from Moeller's new book.
|Additional Updates:
Tags: Medicare Advantage, Medicare, Medicare Supplement, Part D
What do sales professionals want to accomplish on prospecting calls?
• To reach the prospect directly.
• To "qualify" that prospect (usually by asking a lot of questions).
• Assuming they get "good answers" to set up an appointment or some other appropriate next step.
What do prospects want to know when you call them?
• Who are you and what do you want?
You'll note that these two agendas are in direct opposition to each other. Unfortunately, many sales professionals are creating objections by following their own agenda rather than their prospect's agenda.
Because sales professionals are generally taught that they need to 'qualify the prospect' they often start conversations with a new prospect as follows:
"Hello (Prospect Name). My name is (Name) and I'm with (Company Name). May I take a moment of your time to ask you some questions to determine whether we might be able to help you (Fill in the Blank)?"
Many sales professionals tell me they believe they are being respectful of a prospect's time by asking, "May I take a moment of your time…" and that this question also serves to help in that all important qualification process.
The above script, however, does not answer the prospect's two top questions: 1.) "Who are you?" and 2.) "What do you want?" When a prospect doesn't have the answers to those two important questions, they frequently will not engage. Prospectors end up in a struggle before they've even really started.
So what's the solution?
When you follow your prospect's agenda rather than your own, you will be astonished to discover how easy it can be to engage with prospects.
Source: http://www.lifehealthpro.com/2016/08/16/what-does-your-prospect-really-want?
|Additional Updates:
Tags: Sales Tips, prospecting
SilverScript has released their 2017 CMS Approved Plan Designs.
Did you know that SilverScript® has more members in a Part D plan than any other Part D plan sponsor? CMS reports that SilverScript has more than 5.5 million members and more than four million of these members are actively enrolled in our SilverScript Choice PDP.
We are confident that SilverScript will be well received by Medicare beneficiaries and agents during the 2017 AEP, too. CMS just approved their 2017 PDP premiums, and plan designs are approved and finalized. We encourage you to have this product in your portfolio for the upcoming enrollment window.
Highlights Include:
Request details today and place your business with a proven leader.
2017 Certification Now Available:
The SilverScript Product and Process course is now available via the SilverScript Agent Portal's Training & Certification page. Now is a great time to complete all of your annual certification requirements.
Remember, you must complete the 2017 annual certification requirements before you can market SilverScript plans this AEP and you must complete the requirements prior to December 7, 2016 (the last day of AEP), in order to be eligible for 2017 renewal commission.
SilverScript now has a direct relationship with the AHIP training website. Agents who have completed 2017 initial training and/or annual re-training certifications through AHIP can have their results automatically submitted to SilverScript. Instructions are on the SilverScript Agent Portal's Training & Certification page.
|Additional Updates:
Tags: Part D, PDP, silverscript
More issuers of Medicare supplement insurance policies are selling the products directly to consumers, but independent agents are generating a higher percentage of the Medigap sales revenue.
Analysts at Gen Re have put data supporting that conclusion in a summary of results from Gen Re's 2015 Medigap issuer survey.
A Medigap insurance policy helps people who have the traditional Medicare Part A hospitalization insurance and the traditional Medicare Part B physician and outpatient services coverage fill in the many traditional Medicare coverage gaps. A Medigap plan can help the enrollee meet Medicare deductibles and pay Medicare co-payment and coinsurance bills.
Gen Re, a Stamford, Connecticut-based reinsurance arm of Warren Buffett's Berkshire Hathaway Company, received 51 completed questionnaires for its 2015 Medigap issuer survey. That was down from 54 in 2014, but it was up from 50 in 2013.
More Medigap issuers reported they are selling the products straight to consumers, without help from agents. The percentage of issuers saying they used the direct-to-consumer channel rose to 55 percent in 2015. That was up from 51 percent in 2014, and up from 41 percent in 2013.
But 87 percent of the active issuers said they sold Medigap coverage through independent agents last year.
The share of sales revenue coming from independent agents rose to 67 percent in 2015. Independent agents accounted for 65 percent of the issuers' sales in 2014, and 59 percent in 2013.
In 2015, 40 of the Medigap issuers that participated in the Gen Re survey were actively selling new Medigap policies.
Revenue from new sales rose 4.2 percent, to $2.2 billion. The number of people covered by the new policies sold rose 3.2 percent.
Revenue from all Medigap policies in force rose 5.7 percent, to $19 billion. The number of people covered by the policies rose 8.5 percent.
Congress created a standardized "letter plan" system for Medigap in 1992. Each new plan sold must offer the standard package of benefits associated with one of the letter plan categories, such as the popular Plan F category.
But the country relies mainly on state insurance regulators to oversee the Medigap market. The Centers for Medicare & Medicaid Services has much less direct involvement with overseeing Medigap plans than with overseeing Medicare Advantage plans or the Affordable Care Act public exchange plan system.
Because CMS gets less information about the Medigap program, it tends to publish less data on that program than on other big public health programs.
Source: http://www.lifehealthpro.com/2016/08/01/independent-agents-increase-share-of-medigap-reven
Related: Medigap enrollment rises 6.5%
|Additional Updates:
Tags: Medicare Supplement, Medigap
UnitedHealthcare has released their 2017 Medicare Advantage First Looks.
Known for their strength and stability, UnitedHealthcare is poised for a fantastic 2017 AEP. They have introduced some significant market expansions and have continued to focus on providing their members a world class experience second to none in the industry.
We are proud to represent UnitedHealthcare as one of our Medicare Advantage carriers and look forward to making sure our agents are educated on all the benefits they have to offer as an organization. With strong brand name, comprehensive plan designs and a focus on customer service, UnitedHealthcare is the carrier of choice for senior market agents. Their mantra of "Strength, Stability, and Hassle Free" continues to resonate with both members and agents alike in this ever-changing market.
Highlights Include:
Request details today and place your business with a proven leader.
|Additional Updates:
(Bloomberg) — U.S. antitrust enforcers roundly rejected a pair of proposed deals that would consolidate the nation's five biggest health insurers into just three.
The Justice Department filed an antitrust lawsuit to stop Indianapolis-based Anthem's merger with Bloomfield, Connecticut-based Cigna Corp. in federal court in Washington on Thursday and also moved to block Hartford-based Aetna's planned merger with Louisville, Kentucky-based Humana.
Eight states including Florida and Illinois, plus the District of Columbia, are joining the federal government's suit to block the Aetna-Humana deal.
Nine states and the District of Columbia joined the U.S. action against the Anthem-Cigna deal, including California, New York and Connecticut. "If permitted to proceed, Anthem's purchase of Cigna likely would lead to higher prices and reduced benefits," the Justice Department said in the complaint, which was filed in federal court in Washington Thursday.
Anthem, in a statement, said it was fully committed to challenging the DOJ action in court but would remain receptive to efforts to reach a settlement with the Justice Department.
The U.S. action is "an unfortunate and misguided step backwards for access to affordable healthcare for America," Anthem said. "The DOJ's action is based on a flawed analysis and misunderstanding of the dynamic, competitive and highly regulated healthcare landscape and is inconsistent with the way that the DOJ has reviewed past healthcare transactions. "
Cigna said it was "evaluating its options consistent with its obligations under the agreement" and said it doesn't expect the transaction will close in 2016. "The earliest it could close is 2017, if at all."
The actions are likely to set off a round of court battles as the insurers are obliged to fight the moves and could spark renewed pursuit of smaller players in the industry if the deals fail.
The cases are U.S. v. Anthem Inc., 16-cv-1493, U.S. District Court, District of Columbia (Washington) and U.S. v. Aetna Inc. 16-cv-1494, U.S. District Court, District of Columbia (Washington).
Source: http://www.lifehealthpro.com/2016/07/21/anthem-aetna-sued-by-us-seeking-to-block-insurer-m?t=medicare
|Additional Updates:
Tags: Humana, Cigna, Medicare Advantage, Medicare Supplement, aetna, Anthem, DOJ
If you've been keeping up with everything that has been happening in senior health care, then you have noticed all the changes within the Medicare program. However, Medicare is more than just insurance.
In many ways, Medicare is a capstone for the years and, in some cases, decades of planning and work that advisors have done to help their clients plan and save for a comfortable retirement.
Health care costs continue to be the No.1 cause of bankruptcies in the United States, and this is especially true among the elderly. A good, solid, compatible health care plan that works with Medicare can go a long way toward making sure your clients' retirement years work out the way they, and you, have planned.
The catch is that there are two solutions to these problems. Depending on where you live, both solutions are viable for some clients, but are not the right fit for others. A third option exists: employer or group coverage. I will skip discussing that third option in this article because employer/group coverage is not available to all your clients, and the benefits and costs associated with that coverage are vast. If a group option exists, take a look at it as a viable choice for your client, but do not assume it is better coverage than the private options. It always pays to do some due diligence comparisons with these plans.
So let's take a look at our two contenders.
Old Faithful: The Medicare Supplement
Medicare supplements have been mostly unchanged since 1990. Prescription drugs were removed from the plans in 2006. Over the years, a few plan letters were eliminated and a few more plan types were added. But for the most part, a Medicare supplement today is still the Medicare supplement of 20 years ago. That is important. Medicare supplements generally do not change their benefits much from year to year.
Medicare supplements have plan letters. They range from A through N, with some letters skipped. And the plan letters from 1990 offer pretty much the same things today as they did then. The best way to get a look at Medicare supplement benefits is to review an insurance company's summary of benefits or the government guide, "Choosing a Medigap Policy." For most plans, a benefit is covered at 100 percent or not covered at all. If you have a client who wants something fully covered — no copays, no fuss, no annual changes — this could be what they want. And to make things even more convenient, your client can use most supplements with any doctor, any hospital, anywhere in the United States as long as those doctors and hospitals accept Medicare. So there are neither network considerations nor travel restrictions on health care if your client opts for a Medicare supplement.
But the Medicare supplement has two downsides. The first is the premium. Although premiums generally vary by state, county and even ZIP code, they tend to be larger than premiums charged by other plans. Medicare supplement premiums also have a tendency to go up, probably on an annual basis.
The other downside to a Medicare supplement is underwriting. A supplement requires your client to answer health questions. Depending on your client's health, the opportunity might be closed to them at a later date. Federal laws require one opportunity to get a Medicare supplement on a guaranteed basis once in a person's lifetime. This is called an "open enrollment period." Some states extend or repeat that period beyond the federally mandated minimums, but if your client lives in a state where there is only one open enrollment period in a lifetime, the idea of a supplement and the consequences of its premium should not be overlooked.
This type of plan is a natural extension of financial planning and the other insurance products the advisor offers. The premium is easily projected coverage that's guaranteed renewable for life.
The Scrappy Contender: Medicare Advantage
OK, that's a bit of a misnomer. Medicare Advantage isn't exactly new. This year marks the 10th anniversary of Medicare Advantage in its current form, but Medicare Advantage has a history of more than 20 years in the market under different names.
Medicare Advantage plans are alternative ways to receive health care. A person in a Medicare Advantage plan is still in the Medicare program (they must continue to pay their Medicare Part B premium), but they choose to replace Medicare Parts A and B's cost-sharing with the insurance company's coinsurance and copays. The 20 percent coinsurance of Medicare Part B is still there, just broken down and transformed into more projectable costs. There is no Medicare supplement-style product that will cover leftover costs as thoroughly and completely as Medicare plus a Medicare supplement. But if you have clients with a preference for a reduced "pay-as-you-go" program, this is a way to give them what they want.
Medicare Advantage plans are the right choice for some clients. A Medicare Advantage plan typically has a monthly cost that is lower than a Medicare supplement. In some areas, there are options available at no additional cost beyond the payment of the Medicare Part B premium.
I've had financial advisors ask, "If these just change the structure of the Medicare Part B coinsurance, is there any reason to consider these plans over having nothing at all?" The answer is a definite yes. The copays on Medicare are typically a flat 20 percent with no cap on them.
Medicare Advantage gives you a schedule of costs your clients can plan for. Medicare Advantage plans also have a maximum out-of-pocket limit. This means that if the worst happens to your client's health, there is a fixed amount of cost they can prepare for. Also, many Medicare Advantage plans include prescription drug coverage, adding a level of convenience for some clients.
Medicare Advantage plans have some downsides, however. The two most critical are networks and the out-of-pocket maximum. Typically, that maximum is many times the annual premium of a Medicare supplement. If you are dealing with a client who is concerned about having many out-of-pocket costs, the Medicare Advantage plans might not be a good fit.
And a Medicare Advantage plan is networked. The two most prevalent types of plans around the country are HMO plans and PPO plans. This means that access to doctors might be a concern, depending on your client's needs and location.
Medicare Advantage plans have another consideration: change. Medicare Advantage plans alter their cost structure annually. This means that the premiums, copays, coverage, drug list and even counties where they provide service can increase, decrease or drop completely. Essentially, every Jan. 1, any client you have in a Medicare Advantage plan has a brand-new plan.
The Referee: You!
We tell our clients that we understand they really don't need us if they want to buy insurance. Just about every company will sell it to them online, over the telephone or by mail. The reason why you will get clients to buy from you is because you will do the analysis for them. A typical client does not know what they do not know about health care. And by showing the good and the bad about the choices available to them, you are doing as much to help them protect their assets as you would with any other line of product.
Source: http://www.insurancenewsnetmagazine.com/article/-med-supp-vs-ma-which-one-is-right-for-your-client-3062#.V4AWa9IrJhE
|Additional Updates:


text:
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Lily Marlene
Active within 2180 Days
Hi! My name is Lily Marlene
I am Domestic Mediumhair from Rochester, WA
Nicknames: Lilz
Age: 9 years old
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Coat: long haired
Education: She is the Princess of EVERYTHING
My favorite tricks and treats are: Be strikingly beautiful and Snuggly time with Daddy
Where I hang out: Daddy
My favorite grubs: Seafood flavored anything
My pet peeves: When Daddy doesnt let her sit on his lap
What I love about my owners: I love my Daddy in a possive way that borders on the unhealthy. I call it love, but Mommy and Daddy call me a stalker.
My cat hobbies: Sit on Daddy's lap for long stretches
Pet motto: Oh Daddy....I love you so much, why aren't you petting me right now????
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A co-worker couldn't keep her in her apartment, it was supposed to be temporary, but we fell in love with her and kept her.
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Come visit me, ~MEWS ROOM~Vote COTM for MOUSE #219407 in Sept~, COTM office & calendar, ♦ROYAL HALL OF FAME♦, Cat's Meow Resort & Event Center~TY4 COTD~ & Celebrations & Memorials Reporting desk~TY 4 COTD.
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subset: commoncrawl


text:
Top Definition
Another name for a tampon.
Hey, I'm on my period and I'm out of chach tubes. Can you run to the store and get some?
dari sweatermuffins Senin, 30 November 2009
Trending Now
Can you define these popular missing words?
Email dikirim dari email@example.com. Kita nggak bakalan nge-spam kamu kok :).×


text:
[All hats are 100% clean]
I've been considering selling my unusuals recently, so I thought I'd make a thread here and see what's what.
I'm open to all kinds of offers but cash will be preferred, so go wild, folks!
Burning Flames Brigade Helm. [Level 81]
[More screenshots can be found here]
C/O - $420 - gvk_r3p
Circling Hearts Noble Amassment of Hats [Level 34]
C/O - $100 - luckyguy18
I'd also like to mention, that I'd put priorities in some items I'd still like to wear in game, that include, but are not limited to;
-Vintage Bill's Hat [1x]
-Earbuds [1x]
-Max's Severed Head [1x]
-Dr. Whoa (As sweets) [1x]
-Genuine Noh Mercy (As sweets) [1x]
-Summer Hat [1x]
Also, some unusuals I'm interested in:
Circling Hearts Connoisseur's Cap
Circling Hearts Napper's Respite
Circling Hearts Troublemakers Tossle Cap
Circling Hearts Scotch Bonnet
Circling Hearts Reggaelator
Circling Hearts Stainless Pot
Circling Hearts Medic's Mountain Cap
Circling Hearts Surgeon's Stahlhelm
Circling Hearts Vintage Tyrolean
Scorching Flames Triboniophorus Tyrannus
Scorching Flames Napper's Respite


text:
Tuesday, September 27, 2016
31 Day Challenge: Day 23 - Psycho
Hello everyone! My next prompt in the 31 Day Challenge is "inspired by a movie" and I chose one of my favorites to take inspiration from! I love old movies, one of my favorite genres is the old thriller/mystery movies. When I was around 10 or 12, I discovered Alfred Hitchcock and made it my mission to see all of his movies so I spent a lot of time at video stores hunting down all the VHS tapes! (Yes, I'm that old.) I love everything he's done and his movies are among my favorites that I can watch over and over again. One of them is the classic, Psycho.
Posted by Ashley Haddock at 6:15 PM 2 comments :
Labels: 31 Day Challenge , 31 Day Challenge 2016 , freehand , freehand nail art , nail art , Psycho
Sunday, September 25, 2016
31 Day Challenge: Day 22 - One-Eyed, One-Horned Flying Purple People Eater
Hello everyone! I hope you all had a great weekend! I had a great Friday and Saturday with some amazing friends and gorgeous scenery (and temps!). Today wasn't so great, but I managed to do a little nail art tonight to continue on the 31 Day Challenge! Today is the "inspired by a song" prompt and I just had to do one of my favorite "Halloween" songs since I was a kid! (You can check out the mani I did based on my other favorite Halloween song in the 31 Day Challenge in 2014 here!)
Friday, September 23, 2016
31 Day Challenge: Day 21 - The Axe!
It's Friday!! And not only is it Friday, but I am getting ready to head up north to see a friend and enjoy some Autumn-like temps! I can't wait! I am also super excited to show you the mani I am wearing right now and tell you the story behind it!
Thursday, September 22, 2016
31 Day Challenge: Day 20 - Water Marble
Happy Thursday! I am back with another look for the 31 Day Challenge! This one sort of feels like a "cheat" because I did an accent nail rather than all of my nails - but this took me forever! I am not talented at water marbling so I am calling this accent nail a success! LOL!
Posted by Ashley Haddock at 3:11 PM No comments :
Labels: 31 Day Challenge , 31 Day Challenge 2016 , Cuccio , nail art , Pahlish , Pahlish Melody Malone , Water Marble
Wednesday, September 21, 2016
31 Day Challenge: Day 19 - Galaxy Nails
Hello again! I have a quick post for you tonight with some nails that I absolutely love! Today's prompt is galaxy and I like these better than any galaxy nails I have ever done!
NOTD: Firecracker Lacquer - I Plead the Fifth
Happy Hump Day! I have a quick nail of the day to show you! I used this beauty as my base in my metallic look in the 31 Day Challenge, and it was perfect!
Tuesday, September 20, 2016
31 Day Challenge: Day 18 - Half Moon Spider Webs
Hello! I have a late post tonight, but I love this look! I am not usually a fan of half moon manis on myself. I love them on other people but they always seem odd on my nails. I wanted to think outside the box for today's look and was feeling in a Halloween mood so I decided to make some half moon spider webs!
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text: The Greatest Innovation in Travel Lets You Drag Your Suitcase With No HandsAndrew Liszewski7/20/16 12:33pm785EditPromoteDismissUndismissHideGo to permalinkYou can never have enough free hands at the airport for juggling your boarding pass, your passport, your coffee, your snacks, and your carry-on bag. The solution to that problem came to amateur inventor Robert Lian while he was waiting for a flight one day. What about a plastic tail that let travelers tow their luggage


text:
Do Delaware CEOs Get Fired?
Murali Jagannathan
State University of New York (SUNY) at Binghamton
Adam C. Pritchard
University of Michigan Law School
January 20, 2016
U of Michigan Law & Economics, Olin Working Paper No. 08-024
Critics have charged that state competition in corporate law, which Delaware dominates, leads to a "race to the bottom" making management unaccountable. One metric of management accountability is forced CEO turnover, which we use to test the race-to-the-bottom hypothesis. We find that Delaware CEOs are more likely to be forced out relative to firms incorporated in other jurisdictions. After controlling for differences in firm characteristics, we find that firms incorporated in Delaware are still more likely to terminate CEOs, but that termination decision is less sensitive to poor performance.
Number of Pages in PDF File: 43
Keywords: Corporate governance, charter competition, CEO turnover
JEL Classification: G30, G34, K22
Date posted: December 11, 2008 ; Last revised: January 23, 2016
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text:
As the market moved steadily higher in the first four months of the year, traditionally defensive sectors, such as consumer staples, were leading the charge, while economically sensitive stocks were not doing well. Over the past few weeks, however, things have changed. Technology stocks and cyclical names have taken the lead, and even financials and energy are doing their share. Health care and other defensive sectors are trailing.
What was an arguable change in leadership before the May 3 jobs report is now a confirmed change. And change is good, especially in bull markets.
To be sure, many of the same technical conditions that supported the bear case are still in place, including rather happy sentiment and a bearish crowd that seems to have thrown in the towel. But other readings, such as the percent of stocks trading above their respective 50-day moving averages, have flipped from bearish to bullish.
LET'S DIG INTO the exchange-traded funds, starting with Technology Select Sector SPDR xlk -0.8766437069505323% Technology Select Sector SPDR ETF U.S.: NYSE Arca 47.49 -0.42 -0.8766437069505323% /Date(1474678800001-0500)/ Volume (Delayed 15m) : 11748346 AFTER HOURS 47.49 % Volume (Delayed 15m) : 238192 P/E Ratio N/A Market Cap N/A Dividend Yield 1.647268898715519% Rev. per Employee N/A More quote details and news » (ticker: XLK). The tech ETF had lagged behind the broad market since last summer, and in April it even broke a short-term trendline and its 200-day moving average to the downside (see Chart SPDR-Technology). It seemed that this sector was going to be one of the first to exit the rally.
But on April 19, much of the market found a footing, and the tech sector reversed course to the upside. Not only did it nullify its chart breakdown, but it also started to outperform the market. Not coincidently, the gorilla in the technology room, Apple aapl -1.666375850636887% Apple Inc. U.S.: Nasdaq USD112.71 -1.91 -1.666375850636887% /Date(1474664400168-0500)/ Volume (Delayed 15m) : 52080945 AFTER HOURS USD112.23 -0.48 -0.42587170614852277% Volume (Delayed 15m) : 400206 P/E Ratio 13.167056074766355 Market Cap 607331391067.71 Dividend Yield 2.0228906042054833% Rev. per Employee 1990500 More quote details and news » (AAPL), also turned its trend around. But if we look at other measures of technology, such as the NYSE Arca Tech 100 Index, we will see a similar, albeit more muted, change in relative performance for the better.
Tech may not be the top performer this month, but it is back in the hunt and that is good news for the bulls.
Energy stocks are also showing positive change in both relative and absolute terms. The Energy Select Sector SPDR xle -1.3274981765134939% Energy Select Sector SPDR ETF U.S.: NYSE Arca 67.64 -0.91 -1.3274981765134939% /Date(1474678800001-0500)/ Volume (Delayed 15m) : 22880692 AFTER HOURS 67.7 0.06 0.08870490833826139% Volume (Delayed 15m) : 194486 P/E Ratio N/A Market Cap N/A Dividend Yield 2.4276641040804257% Rev. per Employee N/A More quote details and news » (XLE) just moved above the top of its three-month range after surviving a breakdown attempt last month (see Chart SPDR Energy).
Upward Bound
Since late April, the technology, energy, and chemical sectors have been on the rise.
The sector contains international oil companies, domestic producers, and equipment makers. But one of my favorite charts right now is from the big Chinese integrated oil company CNOOC (CEO), which is breaking out to the upside from a bearish five-month trend. While this stock has only perked up marginally relative to the market, it has turned higher on an absolute basis. This includes bouncing off support that goes back to 2011 and 2012, as well as moving above its 50-day moving average for the first time since December.
The Materials Select Sector SPDR xlb -0.5047318611987381% Materials Select Sector SPDR ETF U.S.: NYSE Arca 47.31 -0.24 -0.5047318611987381% /Date(1474678800001-0500)/ Volume (Delayed 15m) : 4310204 AFTER HOURS 47.31 % Volume (Delayed 15m) : 3 P/E Ratio N/A Market Cap N/A Dividend Yield 2.047854576199535% Rev. per Employee N/A More quote details and news » (XLB) also saw a change for the better in its relative performance. This sector includes such industries as steel, mining, and packaging, and the recent thrashing in the gold market may be hiding the positive changes here.
One particularly strong group has been chemicals, and the chart of PPG Industries ppg 0.1260422726391313% PPG Industries Inc. U.S.: NYSE USD103.27 0.13 0.1260422726391313% /Date(1474664476089-0500)/ Volume (Delayed 15m) : 1622023 AFTER HOURS USD103.27 % Volume (Delayed 15m) : 26969 P/E Ratio 19.088724584103513 Market Cap 27498942582.3663 Dividend Yield 1.5493366902294956% Rev. per Employee 330386 More quote details and news » (PPG) provides a good proxy for the group. On May 2, the stock broke out to the upside from a four-month trading range (see Chart PPG Industries). What I like about the chart is that it spent several days pausing at the top of the range before making its move. This tells us that it was a surge in demand rather than continuing momentum that sparked the breakout.
Commodity-chemicals maker Air Products & Chemicals apd -0.46574417819777253% Air Products & Chemicals Inc. U.S.: NYSE USD147.46 -0.69 -0.46574417819777253% /Date(1474664461885-0500)/ Volume (Delayed 15m) : 857613 AFTER HOURS USD147.46 % Volume (Delayed 15m) : 7468 P/E Ratio 22.511602344894968 Market Cap 31932464903.9002 Dividend Yield 2.33283602332836% Rev. per Employee 482782 More quote details and news » (APD) seems to be on the verge of following suit.
These sector changes put some of the usual bull-market leaders back into the fore. Financial stocks, not included above because they weren't lagging behind the market in prior months, are also doing well.
Can the trend continue? Right now it does appear that the market is firing on all burners, albeit with short-term overbought conditions starting to form. The problem is that there hasn't been significant pullback of 5% on the Standard & Poor's 500 since this leg of the rally began in November.
As the old saw goes, no market goes up in a straight line.
A version of this article appeared May 8 at Barrons.com.
MICHAEL KAHN is a columnist for Barrons.com. He comments on technical analysis @mnkahn.
E-mail: email@example.com


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This gray wolf image was captured in 2007 by a remote sensor camera set up by state biologists in the LeClerc Creek drainage of Pend Oreille County two days after a cow elk triggered the camera shutter in the same spot. The photo helped document that wolves were moving into Washington. A breeding pack was documented in 2009. Photo courtesy of Washington Fish and Wildlife Department.
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Milan 2016: in our final movie from Nike's The Nature of Motion show, designer Bertjan Pot explains how he created a series of "resting pods" by weaving basket-like structures around inner tubes from different vehicles. More »
Tag: weaving
Bartlett students weave Plexe-e furniture from foam tubes
Masters students from the Bartlett School of Architecture have used cement-covered foam pipes to create Gothic-style arches, columns and furniture (+ movie). More »
Matali Crasset presents woven vessels
in collaboration with Zimbabwean weavers
A series of bulbous wicker forms by French designer Matali Crasset aim to promote traditional Zimbabwean weaving techniques. More »
Man Made Toronto by Stephen Burks
A series of lamps, tables and storage made by New York designer Stephen Burks in collaboration with basket weavers in a village outside of Dakar is on show at the Design Exchange in Toronto. More »
The Lacemaker by Tord Boontje
Dutch designer Tord Bootje presents a collection of work made with lace-making techniques from materials including grass and raffia at the Marsden Woo Gallery in London. More »
Sur les Rivages by Aïssa Logerot
and Amandine Chhor
Designers Amandine Chhor and Aïssa Logerot have created a range of furniture and lighting woven from water hyacinths in Cambodia. More »
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Google has hosted Google I/O developer conference to unveil serveral new innovations
Last update: Friday 27 June 2014 [3 news items]
Google I/O 2014: Samsung expands Gear portfolio with Android Wear
Jun 27, 15:50
Samsung Electronics has unveiled the Samsung Gear Live, powered by Android Wear. The new Android Wear device features Samsung's Super AMOLED display. It also offers customization...
Digitimes Research: Google to expand Chromebooks into consumer market
Jun 27, 15:19
Introduced in 2011, the Chromebook was initially developed mainly for the education sector and has achieved outstanding sales in the past two years. During Google I/O 2014, Google...
Google teams up with MediaTek to develop Android One, say sources
Jun 27, 11:57
Google has chosen Taiwan-based MediaTek as the strategic solution partner for the development of the Android One platform that will enable handset makers to build low-cost smartphones...
Prices for solar-grade monocrystalline, polycrystalline silicon wafers drop to US$0.68, US$0.50
Green energy | 11h 55min ago
Taiwan August manufacturing production index up on month, year, says MOEA
Bits + chips | Sep 27, 19:47
Nvidia CEO denies competing with partnering graphics vendors with Founder Edition
Before Going to Press | 12h 14min ago
Digitimes Research: IoT devices to reach cumulative volume of 38-50 billion units in 2020
Before Going to Press | 12h 18min ago
Taiwan August manufacturing production index up on month, year, says MOEA
Before Going to Press | 12h 20min ago
IC distributors look to brisk 4Q16 results
Before Going to Press | 12h 20min ago
PTI buys equipment for wafer-level packaging
Before Going to Press | 12h 22min ago
China polysilicon makers lower prices to below CNY90/kg
Before Going to Press | 12h 23min ago
Taiwan market: Asustek Computer to launch ZenBook 3 series
Before Going to Press | 12h 25min ago
Japan market: JDI may release shares to Sharp
Before Going to Press | 12h 47min ago
TSMC orders equipment for NT$2.32 billion
Before Going to Press | 12h 49min ago
Asustek , Gigabyte expected to ship around 17.5 million motherboards in 2016
Before Going to Press | Sep 27, 18:48
India market: Foxconn to produce smartphones for OnePlus in India in 4Q16
Before Going to Press | Sep 27, 18:46
- Potential of wireless charging technology: Q&A with WPC chairman Menno Treffers
- Lithium battery makers demand price rise due to shortages
- Micron CEO visits Taiwan to meet Formosa executives
- Rising notebook demand causing shortages in many components
- Digitimes Research: China starts tightening up control on third-party payment service companies
- Taiwan market: Xiaomi launches Redmi Note 4
- Worldwide security appliance market growth driven by strong UTM performance in 1H16, says IDC
- Apple still leads in smartwatch sales, but sector growth slow, says Kantar Worldpanel
- Chilisin signs NT$3.5 billion syndicated loan
- Foxconn could expand SiP business with Sharp chip unit
- Taiwan 2Q16 TFT-LCD production value up on quarter, down on year, says PIDA
- Digitimes Research: TD-LTE development faces disadvantages
- Foxconn permitted to repair iPhone at subsidiary in Shanxi, China, says paper
- China HLMC to build new 12-inch fab
- SES-imagotag to acquire Pervasive Displays
- China market: 32- to 50-inch LCD TV prices up, says Sigmaintell
- Taiwan market: Lite-On Technology to supply over 150,000 LED street lamps
- E Ink to end LCM production
- EverDisplay Optronics to set up 6G AMOLED factory, says paper
- Taiwan government aims to install 3 million low-voltage smart power meters in 2024
- Kenmec secures more than NT$3 billion worth of automation equipment orders, says report
- AMOLED to surpass a-Si LCD as leading technology for small- to medium-size displays in 2016, says IHS
- Delta becomes core member of CharIN
- Nvidia GTC 2016 shows artificial intelligence innovations
- Cadence, TSMC advance 7nm FinFET designs for mobile and HPC platforms
- Releases
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- JJPLUS leads the way in creating a new wireless charging ecosystem
- ABB to divest cable business to NKT Cables
- Smart mobile video systems for police patrol cars, a state-of-the-art technology
- OEM servers featuring Aptio V UEFI firmware support for Diablo technologies' Memory1 module shipping now
- Connected Cars and Big Data Set Creative Intelligent Transportation Wheels in Motion
- Unisys IT Implementation of Unisys Stealth Solution for Data Center Segmentation
- Getting the Most Out Of Your Next Generation Digital Security Surveillance System
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- Got The Message? Ensuring efficient and reliable delivery of content across a mission critical digital signage network
- Emb' Store On-Demand Software Service for Embedded Computing
- Perforce Software Wins Develop Industry Excellence Award for the Second Year in a Row
- Perforce Teams with Leading Git Client Developer fournova
- Perforce Introduces Helix GitSwarm: Flexible Git Ecosystem Mirrored to a Powerful Mainline Repository
- Perforce Helix Distributed Version Control System Brings Greater Flexibility While Maintaining Enterprise-class Security, Auditability and Control
- Perforce Powers Development of Legacy Quest for iOS and Android
27-Sep-2016 markets closed
|TSE electronic
|OTC electronic
- Lenovo lays off hundreds more from Moto phone division (Sep 26) - The Verge
- Restart of Galaxy Note 7 sales delayed in South Korea (Sep 26) - Andorid Authority
- Huawei begins making phones in India to tap local market boom (Sep 23) - Bloomberg
- TSMC roadmap update: Will be ready to take 7nm orders by April 2017, volume production scheduled to begin by 2018 (Sep 25) - WCCF Tech
- MediaTek wins Samsung orders for the first time (Sep 21) - Nikkei Electronics Asia
- Intel likely to adopt ARM architecture for future smartphone processors (Sep 22) - Motley Fool
- Apple investigating iPhone 7 bug causing 'no service' after turning off Airplane Mode (Sep 19) - Mac Rumors
- Google backs off on previously announced Allo privacy feature (Sep 21) - The Verge
- Digitimes Research: 4 million 9.7-inch iPad Pros to ship in 1H16
- Digitimes Research: Global all-in-one PC shipments to drop 3.9% on year in 2015
- Digitimes Research: iPad Pro shipments to be less than 3 million units in 4Q15
- Digitimes Research: Intel processor shipments rely on Windows tablets for growth
- Digitimes Research: Tablets with phone functionality from white-box players to suffer over 15% decline in 2Q15
Taiwan notebook Original Design Manufacturers (ODMs) account for more than 90% of global notebook production and Digitimes is there to provide daily...
Virtual reality has become the latest topic of the PC industry with players such as Samsung, HTC, Google and Sony, all aggressively pushing into.
HTC is banking on its VR device to revive its business
The early success Google's Android platform has achieved in the handset market has caused system makers, software developers and semiconductor players...
Potential of wireless charging technology: Q&A with WPC chairman Menno Treffers
To help foster the development of related wireless charging technology in Taiwan, the Wireless Power...
Business planning in the cloud: Q&A with Anaplan
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The gaming notebook competition: Q&A with Jone Chang from Gigabyte notebook department
Gaming notebooks have become the main focus of Gigabyte Technology's notebook department and despite...
Powering the cloud: Intel embraces new identity
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- Smartphone and tablet industry: The view from Taiwan - May 2012
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- Taiwan motherboard industry overview - May 2012
The year 2011 saw the motherboard industry reverse its trend of declining shipments year-on-year, to post a slight 0.2% growth. This upturn in fortunes was expected...
- Notebook market overview - Jun 2011
The notebook industry in 2010 experienced several major events that significantly changed the industry's ecosystem for the year and the industry is also believed...
- Taiwan motherboard industry overview - Jun 2011
The motherboard industry began 2010 with optimism and expected to see a reversal of the previous two years' declines in revenues and shipments as the impact of...
- Wireless broadband developments in Southeast Asia markets
As of 2013, the 10 ASEAN nations had a total of over 700 million mobile subscriptions, with the CAGR from 2003-2013 reaching 24%. This Digitimes Research Special Report analyzes the various mobile broadband markets in ASEAN and looks at the respective trends in 4G LTE development for those markets.
- 2015 global tablet demand forecast
This Digitimes Research Special Report provides a 2015 forecast for the global tablet market and analyzes the strategies of key market players such as Google, Apple, Intel, and Microsoft.
- 2015 China smartphone panel trend forecast
This Digitimes Research Special Report analyzes the strategies of key China-based major panel makers BOE, Tianma and IVO for attacking the different market segments through technology and pricing, and their relationship to local vendors Huawei, Lenovo, ZTE, Xiaomi and Coolpad.


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Natomas Racquet Club telephone number is (916) 649-0909.
Telefax: No fax number available
Website: No web address available
Biz owner? Moderate reviews or edit listing.
Search entire category for Tennis Courts
Tennis Courts, in Sacramento, are areas where the game of tennis is played. A court is usually a firm rectangular surface with a low net stretched across the center for players to play both singles and doubles.
Governor Cuomo Announces 900 Solar Projects Underway Through 26 Community Solarize Campaigns Across The State
"Solarize" campaigns are encouraging homes and businesses throughout the state to install solar – State will support another 31 "Solarize" campaigns set to begin this spring (Long Island, NY) Governor Andrew M. Cuomo today announced that 900 solar projects are underway through 26 community "Solarize" campaigns across New York State. A component of the NY-Sun program and the Governor's..


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Medical Marijuana
US NJ: Weed Like A Word With You
US CT: OPED: The Missing Scientific Case for Medical Marijuana
US CA: Extending Marijuana Ordinance Considered
US: Record Number Of Marijuana Initiatives On Ballots
US: Study: Marijuana Users Resembling Daily Tobacco Smokers
Canada: Sweetening The Pot
US OR: Best Pot Plants? Inaugural Fair to Weed Out Entries in
US NM: Column: Marijuana Prohibition Alive And Well
Canada: Foreign Workers Being Exploited To Grow Pot
US NY: Editorial: Stop Treating Marijuana Like Heroin
US: Federal, State Laws Clash On Marijuana
US: Government Won't Reclassify Marijuana, Allows Research
US OH: Board Says Attorneys Can't Help Marijuana Businesses
US OH: Medical Marijuana Options On The Table
US AR: OPED: The Missing Case
Chronicle AM: Clinton Renews Rescheduling Call, Kerry Gets MX Human Rights Letter, More... (8/12/16)
The DEA's refusal to reschedule marijuana yesterday elicits reactions from Hillary Clinton and DC activists, a California bill to tax medical marijuana farmers dies in committee, Secretary of State Kerry gets a letter from Congress urging him to prioritize human rights when it comes to financing Mexico's drug war, and more.
[image:1 align:left caption:true]Marijuana Policy
In Wake of DEA Decision, Hillary Clinton Reiterates Call for Rescheduling Marijuana. Democratic presidential candidate Hillary Clinton will move to reclassify marijuana as a Schedule II substance, her campaign said in a statement after the DEA rejected reclassification Thursday. "As president, Hillary will build on the important steps announced today by rescheduling marijuana from a Schedule I to a Schedule II substance. She will also ensure Colorado, and other states that have enacted marijuana laws, can continue to serve as laboratories of democracy," senior Clinton advisor Maya Harris said.
In Wake of DEA Decision, Emergency Demonstration at the White House Tonight. Washington, DC, DCMJ legalization activists are gathering in front of the White House tonight at 8:20 PM to protest the DEA's refusal to move marijuana from Schedule I, the same schedule as heroin. "Here we are, 43 years and millions of marijuana arrests later, and we being told that cannabis is still as dangerous as heroin. WHAT THE HELL?!?!" organizers wrote on Facebook. "The Obama Administration's DEA thinks Americans should go to jail for a non-toxic plant. WE THINK OTHERWISE!"
Medical Marijuana
California Medical Marijuana Tax Bill Dies in Committee. A bill that would have imposed a tax on commercial medical marijuana growers has been killed in the Senate Appropriations Committee. Assembly Bill 2243 would have imposed a tax of up to $9.25 per ounce of marijuana buds, $2.75 for pot leaves, and $1.25 for immature pot plants. The panel killed the bill after patient advocates said it would impose a burden on patients.
Canadian Medical Marijuana Patients Will Be Able to Grow Their Own. Health Canada said Thursday that medical marijuana patients will be able to grow limited amounts for themselves or have a caregiver do so. The move comes as the government attempts to comply with a federal court ruling that struck down the previous Conservative government's ban on patients growing their own. Patients would also still have the option of buying from one of 34 producers licensed by the federal government.
Congresspersons Sign Letter to Secretary of State Kerry Urging That US Prioritize Human Rights in Mexico. Some 68 members of Congress have signed onto a letter urging Kerry to make human rights a priority in US relations with Mexico. The letter expresses concern over the "27,000 unresolved cases of people who have disappeared in Mexico since 2007, and the slow pace of reforms in the military, law enforcement and justice sectors," as well as the persistent use of torture in criminal investigations. It calls for US support for the ongoing investigation and search for the 43 disappeared students from the Ayotzinapa rural teachers' college. And it reiterates the need for accountability and justice in the cases of grave abuses committed by Mexican security forces in Oaxaca and Tlatlaya. The letter comes as the State Department is reviewing the Mexican government's compliance with human rights conditions attached to US anti-drug funding.
(This article was prepared by StoptheDrugWar.org"s lobbying arm, the Drug Reform Coordination Network, which also pays the cost of maintaining this web site. DRCNet Foundation takes no positions on candidates for public office, in compliance with section 501(c)(3) of the Internal Revenue Code, and does not pay for reporting that could be interpreted or misinterpreted as doing so.)
DEA's Marijuana Rescheduling Rejection Is Disappointing, But Doesn't Have Much Impact [FEATURE]
This article was produced in collaboration with AlterNet and an earlier version appeared here.
The DEA's decision Thursday not to move marijuana from Schedule I of the Controlled Substances Act (CSA) ended months of speculation about whether the agency would finally act in accordance with an ever-increasing mountain of evidence of marijuana's medicinal utility and either schedule it less restrictively or deschedule it altogether.
[image:1 align:right]Supporters of more enlightened marijuana policies were disappointed, but not surprised. After all, the DEA has a long history of rejecting and impeding science when it comes to marijuana. But even had DEA acted (it did ease the University of Mississippi's monopoly on growing marijuana for research purposes), the most likely move would have been grudgingly incremental, shifting marijuana from a schedule where it is grouped with heroin down to Schedule II, where it would be grouped with cocaine and methamphetamines, and still not prescribable absent FDA approval.
Or the agency could have taken some other largely unpalatable stance, such as making cannibidiol a Schedule III substance (like synthetic Marinol) while leaving the whole plant Schedule I. In any case, any move short of descheduling it entirely and treating it like alcohol and tobacco, would have left marijuana medicalized, but not normalized.
The article below was written days before the DEA's decision, but we think the discussion remains germane for understanding the issues around rescheduling and why most reformers are disappointed, but not devastated by the agency's stubborn refusal to budge.
While the DEA may move to reschedule marijuana to a lesser schedule, keeping it within the purview of the Controlled Substances Act means that it would still be illegal, even for medical use in the absence of FDA approval. Even with FDA approval, a years-long process, it would still require a prescription to obtain, which would do nothing to address legal adult marijuana sales, production, or possession in the states. Removing it from the CSA, or descheduling, is what consumers and the industry are calling for, but that is the unlikeliest outcome, even though that's how we deal with the two most commonly used recreational drugs in the United States, alcohol and tobacco.
Schedule I is reserved for substances that have "no currently accepted medical use and a high potential for abuse," the DEA notes. "Schedule I drugs are the most dangerous drugs of all the drug schedules with potentially severe psychological or physical dependence." Those drugs include heroin, Ecstasy, LSD, peyote…and marijuana.
For more than 40 years, the DEA has blocked efforts to have marijuana placed in a more appropriate schedule, one that reflects the plant's medicinal uses as well as its relative harmlessness compared to other scheduled substances. But that stance has grown increasingly untenable in the face of state-level medical marijuana programs and in the face of an ever-larger mountain of research that fails to find significant serious health consequences from marijuana use.
Now, the DEA is considering a decision on the most recent rescheduling petition. Earlier this year, the agency told lawmakers it "hopes to release its determination in the first half of 2016," but that clearly didn't happen. Late in June, DEA spokesman Russ Baer said the agency is "in the final stages" of making its determination. And just last week, Baer said, "We're closer than we ever were. It's a very deliberative process."
If the DEA decides not to keep marijuana in Schedule I, the most obvious incremental move would be for it to bump it down one step to Schedule II, placing pot in the same category as morphine, cocaine, and methamphetamine. That could pave the way for eventually allowing doctors to prescribe it, and would remove some roadblocks to further research. It might open the way for broader changes in financial and business regulations, although a shift to Schedule III or greater would be needed to address the debilitating 280E tax provision, which prevents cannabusinesses from deducting ordinary expenses like rent or payroll.
[image:2 align:left caption:true]But Schedule II, or any of the lesser schedules, would require that marijuana be approved by Food and Drug Administration (FDA), a lengthy and expensive process that could bankrupt businesses attempting to overcome those regulatory hurdles. And until that happens, there is no approved marijuana for doctors to prescribe. It's also unclear whether the FDA would ever approve smoked marijuana.
Members of the marijuana industry, medical marijuana advocates, and marijuana consumer advocacy groups alike expressed skepticism about the DEA's willingness or ability to respond to the scientific evidence, uncertainty about what the agency was likely to do, and a demonstrated a pronounced -- if not unanimous -- preference not for rescheduling, but for descheduling.
Matthew Huron is a founder and former board member of the National Cannabis Industry Association and founder and current CEO of Good Chemistry Colorado, a vertically integrated cannabis company, as well as the co-founder of the Wellspring Collective, which caters to seniors with health challenges. Huron isn't exactly enthused by the prospect of Schedule II.
"Just to move it to Schedule II is more complicated than we're reading about," he said. "It might just be the molecule that gets rescheduled -- not cannabis. I don't think moving it to Schedule II would really have much effect on the states. It wouldn't hurt, but it wouldn't really help. Most of us in the industry would like to see it descheduled."
The medical marijuana advocacy group Americans for Safe Access (ASA) is pushing for Schedule II, but it's not relying on the DEA to make it happen.
"We don't have a crystal ball, and we don't know what the DEA will do, but based on past history, we don't have high hopes they will reschedule," said ASA spokesperson Melissa Wilcox. "It's possible they will de- or reschedule CBD and leave whole plant cannabis at Schedule I. Who knows? The DEA tends to ignore the science."
Schedule II "would remove barriers to scientists wishing to do research, so we know best how to use cannabis -- targeting, dosing, all the questions we haven't been able to study because it is such a pain to get research done now," said Wilcox.
But with little faith in the DEA, ASA is instead pushing for a legislative solution, the Compassionate Access, Research Expansion, and Respect States' Rights (CARERS) Act, also known as S. 683, which is currently bottled up in the Senate Judiciary Committee, chaired by octogenarian prohibitionist Sen. Chuck Grassley (R-IA).
The CARERS Act would move marijuana to Schedule II, as well as deschedule CBD, open up access to marijuana business banking, and end the NIDA monopoly on growing marijuana for research, among other provisions.
"We're pretty sure this could pass, but Grassley is the gatekeeper, and we're pushing hard to get him to schedule a vote," said Wilcox.
[image:3 align:right]"Moving marijuana to Schedule II is not a solution," said Mason Tvert, communications director for the Marijuana Policy Project, which has played -- and continues to play -- a major role in advancing both medical marijuana and legalization at the state level. "It would certainly remove barriers to research, but it would still treat marijuana as if it were as harmful as cocaine and other illegal substances, when it is objectively less harmful than alcohol. We fully support removing marijuana from the schedules and treating it like alcohol," Tvert emphasized.
"We think marijuana should be removed entirely from the Controlled Substances Act," said Dale Gieringer, long-time head of California NORML, representing consumers and small growers in the nation's most populous state. "As a fallback position, we've been litigating since 1972 to get it rescheduled to Schedule II. If they do that, that would be good -- they'd only be 45 years overdue," he noted.
"From the standpoint of states that have state-legal suppliers, Schedule II doesn't accomplish a whole lot," Gieringer said. "Those state-legal suppliers wouldn't become federally legal; they'd have to first obtain FDA approval. Until that happens, everybody is an illegal producer of a scheduled drug under federal law," he said.
"Schedule II would allow doctors to write prescriptions -- but nobody could fill them," Gieringer noted. "There are international prescriptions and international suppliers, though. But the main impact would be doctors would feel better and cops couldn't argue that marijuana isn't a medicine. If they're trying to create a niche for existing legal medical marijuana state, putting it in Schedule II is like creating a square hole for a round peg."
Marijuana patients, consumers, and the industry are all waiting for the DEA to act, but aren't really holding out much hope it will do the right thing. And even the half-steps it might take, such as moving it to Schedule II or separating out CBDs for lower scheduling, aren't going to substantially alter marijuana's legal status or resolve the conflicts between state-level legality and federal marijuana prohibition. When it comes to rescheduling marijuana, there's just not that much there there.


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SWEETMNTHING's Blogs
BLC23 Evaluation
Friday, December 13, 2013 10 comments
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text:
Baby has extra limbs removed after being born with four hands and four feet in Chinese hospital
- Child is in a stable condition at a hospital in China's Guangdong province
- The 13-day-old boy was born joined to a headless parasitic twin
- They weighed just over 3kg before surgery, doctors said
Doctors have successfully removed a baby's extra limbs after it was born with four hands and four feet.
The child is now in a stable condition at a hospital in China's southern Guangdong province four days after the surgery.
The 13-day-old boy, from Huizhou, was born joined to a headless parasitic twin joined at the torso on April 2. That has now been removed.
Doctors at a hospital in Huizhou city, in China's Guangdong province, released this picture of the baby with four hands and four feet before surgery
Yu Jiakang, chief surgeon at Guangzhou Women and Children's Medical Center said: 'They were supposed to be twins, but one had underdeveloped and became deformed.'
The conjoined twins weighed just over 3kg before surgery, with the removed parasitic foetus weighing 0.6kg.
According to the Global Times, the
baby was diagnosed with pneumonia and congenital heart
disease, which is common among children in China, before surgery.
His father, named only as Mr Chen, said he had taken his son to many hospitals near his home but none have been able to give him reasons for the deformity.
Before surgery: The conjoined twins weighed just over 3kg before surgery
Identical twins form when a single egg splits during fertilisation - as opposed to two eggs both being fertilised.
Conjoined twins form when a split egg fails to fully separate. A 'parasite' conjoined twin can survive but not when one absorbs the other.
In 2012 surgeons in Peru operated on a three year old boy to remove a 9in-long parasitic twin weighing a pound and a half.
In 2008 doctors had to remove a 2in embryo from the body of a nine-year-old girl in Greece.
The brain, lungs and heart are some of the last parts of the body to develop. Removing a parasitic twin is usually easier than attempting to separate conjoined twins.
Mr Chen said he blamed himself for not taking good care of his wife and son during pregnancy.
'I only cared about my work. I just thought of making money instead of taking her to hospital for a medical checkup.'
In August last year it was revealed an eight-month-old baby who grew a second 'head' had undergone surgery to have it removed.
Doctors in India said the second head was a 'parasitic twin', weighed almost a kilo and had brain tissue within it.
The child, known as Tofajjal, was suffering from a rare disease called encephalomeningocele, said to affect one in 40,000 to 45,000 babies.
A similar case happened with a baby in Pakistan two years ago.
A doctor at the National Institute of Child Health in Karachi said that the abnormal birth was the result of a genetic disease which affects only one in a million or so babies.
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CHI Health Clinic is currently seeking a BE/BC Physiatrist to serve in a key role and provide inpatient/outpatient care in a highly regarded Physical Medicine and Rehabilitation program in Omaha, Nebraska.
CHI Health Clinic in Omaha, NE is seeking a highly motivated physiatrist to join an existing spine and sports medicine group.
Progressive facility seeks outpatient only PM&R
easy access to two southern metro cities
Physical Medicine & Rehabilitation (Physiatry) - Partnership Opportunity - Denver, Colorado
Board-Certified/Board Eligible Internal Medicine/Family Medicine Physician, Physical Medicine and Rehabilitation Physician, Surgeon or Neurologist with SCI Fellowship to provide Services in the Spinal Cord Injury/Disorder Clinic.
As Banner Health's employed physician group with more than 1,300 physicians and advanced practitioners across more than 65 specialities, BMG, is transforming the delivery of care.
Cook Children's Medical Center and Cook Children's Physician Network (in Fort Worth, Texas) has initiated a national search to identify candidates for a newly created outpatient opportunity in our Orthopedics service.
PM&R Opportunity - Emphasis on Spine - Outpatient Only - Live in Minneapolis or St. Paul
We believe in collaborative care that values the perspective of patients and their families. Backed by the resources of a large, integrated health system, our physicians are able to provide quality care across the large and small communities we serve.
Excellent Physiatry Opportunity PMR Provider Needed for Busy East Texas Multispecialty Practice
Building Outpatient Practice, opportunity to take over Inpatient Medical Directorship after established.
Outpatient Physiatry in a Milwaukee Metro Area - Tort Reform State
Physiatrist Needed Just 40 Miles North of Chicago, IL
NorthShore University HealthSystem (NorthShore), the principal academic affiliate of the University of Chicago Pritzker School of Medicine, seeks an exceptional BC/BE Physical Medicine & Rehabilitation Specialist.
Franciscan Physician Network - Central Indiana Region is seeking a General Physiatrist to join group of 4 physiatrists and 2 anesthesiologists.
Physiatrist Needed to Join Largest Non-Profit Health System in Northeast Indiana
Lucrative PM&R opening near Baton Rouge LA
OCHSNER HEALTH SYSTEM IN NEW ORLEANS is searching for a BC/BE PHYSIATRIST to join our successful INPATIENT REHABILITATION PRACTICE.
Employed PM&R Practice
Access to the largest Metro in the South along with short drive to the coast
Physical Medicine and Rehabilition Opportunity with SCCH in Marion, Virginia