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November 28, 2014
Health Spending: Temporary Downturn or New Normal?
Jeffrey C. Bauer, for HFMA
"Purchasers (governments and employers) and their third-party payers have hit the limits of what they are willing and able to spend on health care.... [M]ost patients are not able to pay the substantial increases (50 to 100 percent) in their out-of-pocket costs under the [ACA's] mandated insurance plans.... Traditional providers no longer control the medical marketplace.... The new clinical paradigms -- precision medicine and disease management -- are already reducing the demand for inpatient-focused acute care."
Who Are the 10-Percent Savers?
Putnam Investments
"[T]he average age of participants in an employer-sponsored defined contribution plan deferring 10% or more was 41.6 years.... The majority of 10% savers -- 58% -- had a household income of less than $100,000. In fact, 38% earned between $50,000 and $100,000. Many of those earning less than $50,000 were also able to set aside 10% -- about 20% of the group in this survey. At the high-income level of the spectrum, 30% of the 10%+ savers had a household income ranging from $100,000 to $175,000, and only 12% had an income higher than $175,000."
New ACA Guidance Permits Employer-Initiated Measurement Period Changes
Ogletree Deakins
[Guidance Overview]
IRS Notice 2014-49
introduces a proposed method for applying the look-back measurement period in two scenarios. The first one involves a transfer of employment within the same applicable large employer (ALE) between two positions with different look-back measurement periods. In the second scenario, the employer changes the applicable look-back measurement period for an entire employee classification group. The final regulations previously released ... did not clarify how to apply the look-back measurement period methodology in either of these two cases."
IRS Publication 1-EP: Understanding the Employee Plans Examination Process, Revised November 2014 (PDF)
Internal Revenue Service [IRS]
3 pages. "The goal of Employee Plans Examinations is to promote voluntary compliance by reviewing the operation of retirement plans for consistency with plan terms and pension law.... There are several ways a retirement plan is selected for examination ... A specially-trained examiner will notify you by phone or letter that your plan has been selected for audit ... The audit may include a complete review of plan operations or it may focus on specific issue ... The most common areas of review include [followed by a list] ... Most plan failures can be corrected using EPCRS."
Use 401(k) Match Structure to Improve Retirement Readiness
Pension Consultants Inc.
"[O]nce the level of available resources is known, [the authors] recommend focusing on the behavioral outcome desired from the participant. For example, let's say a company decides 3% of employee's income is an acceptable expense for their matching benefits program. How might that match be offered to have the greatest impact on participant behavior, keeping in mind that most employees save only the amount needed to receive the match?"
A Tale of Four Cities: Pension Reform in and Out of Bankruptcy
Public Sector Inc.
"Creating a workable cash-out option is an important pension reform worth considering because it has the potential to dramatically reduce the cycle-time required before a defined benefit plan can be permanently closed out. As the Vallejo experience illustrates, ignoring the unfunded pension liabilities is not a viable option."
Insurers' Listings of In-Network Doctors Often Out of Date
The Wall Street Journal; subscription may be required
"Many insurers are offering smaller networks of doctors in their Medicare Advantage and commercial health plans this year. But those networks may be even narrower than they seem, physicians and regulators say, because the lists often include names and addresses that are erroneous or out-of-date. In some cases, the doctors shown as participating in plans have moved, retired or died, surveys show. Others are listed under the wrong specialty, work in hospitals full-time and don't see outpatients, or don't accept the plan being offered."
U.S. Public Pensions on Solid Footing?
Pension Pulse
"[F]ar too many U.S. public pension funds are still holding on to the pension rate-of-return fantasy, believing fairy tales when it comes to discounting their future liabilities using rosy investment assumptions.... [T]here is a huge dispersion when it comes to the health of U.S. public pension plans.... Third, and most critically, the governance at U.S. public pension plans needs to be drastically improved."
FASB Drops Extraordinary Item Reporting: Section 162(m) Impact
Thompson Hine
[Guidance Overview]
"Some performance-based compensation awards that are exempt from the Section 162(m) $1 million deduction limitation are calculated by excluding items of gain, loss or expense that are within the FASB definition of 'extraordinary events.' ... In October, FASB agreed to drop the segregation, separate reporting and strict definition of extraordinary items. Accordingly, except as provided through the effective date provision, companies will no longer need to segregate on the income statement those items that are currently defined as extraordinary."
NAIC Releases Draft Model Law Addressing Managed Care, Provider Network Adequacy
Epstein Becker Green
"The draft model law ... includes several new criteria to be examined in determining the sufficiency of a provider network, including geographic population dispersion and new health care delivery system options such as telehealth and telemedicine. Provider directories are also addressed ... with a new requirement that online provider directories be available and updated at least monthly. Print copies of provider directories must be available upon request, as well as accessible versions of the directories for individuals with disabilities or limited English language proficiency."
CDHPs Enroll Nearly a Quarter of Covered Employees
Society for Human Resource Management [SHRM]
"Enrollment in consumer-directed health plans (CDHPs) spiked from 18 percent to 23 percent of all covered employees in plan year 2014 ... Meanwhile, enrollment in health maintenance organizations (HMOs) fell to just 16 percent, the lowest level of enrollment seen since ... 1993. Enrollment in traditional plans -- including preferred-provider organizations (PPOs), point of service (POS) plans, and indemnity plans, combined -- fell from 64 percent to 61 percent."
Don't Try to Take a Lump-Sum Distribution from a Qualified Plan After Thanksgiving
Slott Report
"Lump-sum distributions from a qualified retirement plan may be eligible for special tax breaks. The special tax breaks include net unrealized appreciation on company stock that's highly appreciated in value over the years it's been in your plan.... To qualify as a lump-sum distribution, the distribution must occur in one tax year and your account balance must be zero by the end of that year."
Proposed ACA Changes Could Offer Navigators Unfair Advantage Over Brokers
Insurance Broadcasting
"Key among the controversial proposals is the requirement that all exchanges, qualified health plan insurers, and Web-based brokers and agents provide telephonic interpreter services in at least 150 languages. That requirement does not extend to navigators and assisters, although HHS is asking for public comment on whether it should.... The proposed rule also clarifies that all non-navigator assisters are required to maintain a physical presence in their service areas, but can provide assistance by telephone, Internet, or by other remote means."
Employers May Be Deferring Adoption of New Mortality Tables (PDF)
Altman & Cronin, LLP
"Of nearly 20 participants with fiscal year ends before 12/31/14, roughly 40% said they would be adopting new mortality tables for their upcoming reporting, while 60% said they would be deferring adoption of the new tables. Interestingly, for the 55 participants with calendar fiscal years, the majority also indicated they would not be adopting the new tables as of December 31, 2014. Even for the 45 participants with fiscal years ending after December 31, more than half indicated that they would not adopt the new tables in their current fiscal year."
Compliance and Communication Needed In Compensation Disclosure
Bloomberg BNA
"[In] 2015 29 percent of companies surveyed plan to add a description of their engagement actions, over 35 percent of companies surveyed plan to do a better job of explaining how they arrived at their pay decisions by including some kind of alternative to the summary compensation table and 38 percent of companies surveyed plan to add graphical descriptions to enhance the understanding of their disclosures."
Standards for Health Insurance Provider Networks: Examples from the States
Families USA
"This brief profiles laws, regulations, and guidance in place in states around the country. Rather than offering a 50-state survey of standards, the brief instead highlights good examples of network adequacy protections. These protections can serve as models for other states or for the federal government as they take steps to ensure that all health plan provider networks deliver meaningful access to care."
Administration Warns Employers: Don't Dump Sick Workers From Plans
Kaiser Health News
"As employers try to minimize expenses under the health law, the Obama administration has warned them against paying high-cost workers to leave the company medical plan and buy coverage elsewhere.... Because most large employers are self-insured, moving even one high-cost worker out of the company plan could save a company hundreds of thousands of dollars a year. That's far more than the $10,000 or so it might give an employee to pay for an exchange plan's premiums."
Health Insurance Coverage and Health Care Access and Affordability in Massachusetts: Holding Steady in 2013
Urban Institute
"The 2013 [Massachusetts Health Reform Survey] provides a new baseline for assessing the impacts of the state's efforts to improve the affordability of care and reduce health care spending because it coincides with the first full year under the provisions of Chapter 224 of 2012 and precedes the roll-out of major changes under the [ACA] that began in January 2014. Findings show that while Massachusetts has maintained high levels of health insurance coverage and health care use, the cost of care continues to remain a significant burden, especially for low- and middle-income individuals and families."
New Jersey Pension System Funding Plummets Under New Rule
"Under new pension accounting standards, issued by [GASB], the New Jersey system's overall funded level stands at 44 percent for fiscal 2014, compared to the 63 percent previously determined by standard actuarial methods. Eighty percent or more is generally considered healthy."
GOP Leaders Urge SEC to Ditch Pay-Ratio Rule
"[In a letter to SEC Chair Mary Jo White], House Financial Services Committee Chairman Jeb Hensarling, Texas Republican, joined by fellow Republicans Reps. Scott Garrett and Bill Huizenga, disputed that the 'absence of a median pay ratio disclosure was a proximate cause of the financial crisis' and warned that the proposed rule would be unduly costly and detract from more important SEC priorities."
Health Plans Excluding More Drugs as Costs Rise
"Express Scripts will exclude 66 brand-name drugs from its main formulary, or list of drugs that it covers, in 2015. This marks an increase from 48 in 2014. Likewise, CVS will exclude 95 drugs, up from about 70 in 2014. Benefits firms push back against high-priced drugs when less expensive clinical equivalents are available ... [In 2014, Express Scripts] decided to stop covering Advair, which can cost more than $370 per month, after determining that less expensive competing drugs treat asthma just as well. Advair maker GlaxoSmithKline offered a lower price, though, and now the drug is back on Express Scripts' main formulary in 2015."
Broker-Dealers Sound Off as AIG Leads Off with First Annuity for 401(k)s
"Though AIG's American Pathway DIA has been around since last year, the carrier built an endorsement that would permit the contract to fit into the framework of QLACs. In that context, clients up to 83 can buy the contract and defer receipt of their income for anywhere between 12 months to 40 years.... But there are plenty of questions. For instance, can money that starts out in a qualified account and is then used to buy a QLAC be converted to a Roth IRA just before the income stream starts?"
Proposed Approach to Changes in Measurement Methods (PDF)
Buck Consultants at Xerox
[Guidance Overview]
"The proposed approach explained in this [article] could also be used in mergers and acquisitions involving employers using different measurement methods. Until further guidance is issued (or at least until the end of 2016), employers may use the proposed approach to determine the status of employees as full time or not full-time following a corporate transaction"
California Guarantees Paid Sick Leave to Employees
Ballard Spahr LLP
[Guidance Overview]
"An employer must provide an employee with written notice that sets forth the amount of paid sick leave available for use, either on the employee's itemized wage statement or in a separate writing provided on the designated pay date with the employee's payment of wages.... [If] an employee separates from an employer and is rehired within one year, previously accrued and unused paid sick days must be reinstated, and the employee is permitted to use those reinstated days upon rehire."
PBGC Removes Five-Year Phase-In Period, Guarantee Limits for Rollovers to DB Plans
Bloomberg BNA
[Guidance Overview]
"The PBGC will treat the rollover amounts as an accrued benefit deriving from mandatory employee contributions -- which have a higher claim on plan assets than nearly all other benefits under the plan -- and determine the accrued benefit using the rules of tax code Section 411(c)(2)(B)."
New IRS Revenue Ruling Clarifies Taxation of Transit Benefits Provided via Electronic Media
Bloomberg BNA
[Guidance Overview]
"Drawing [the] bright-line distinction [between TID- and MCC-debit cards], while understandable in 2006, ultimately proved to back the IRS into a corner.... [T]echnological developments rendered obsolete the rationale for categorically distinguishing the tax treatment of the two cards.... IRS regulations allows employers to provide employees with vouchers or similar items before the employee has in fact incurred the transit costs. The IRS highlighted this requirement in the new ruling."
Preparing for HIPAA Compliance Audits
Privacy & Security Law Blog, from Davis Wright Tremaine LLP
"The next phase of OCR HIPAA audits is expected to begin in 2015.... [It] is expected that OCR will conduct limited scope offsite or 'desk' audits of both covered entities and business associates in 2015. The return of comprehensive onsite audits appears likely ... Once a covered entity is selected for an OCR HIPAA audit, it can expect to receive a data request that will include a request to identify all of its business associates. OCR has stated that it will only give audited entities two weeks to respond to the data request. It is therefore critical that covered entities prepare for HIPAA audits before they are selected for an audit."
Unbundled Target Date Funds: Improving Participant Outcomes Through a Customized Approach
Towers Watson
"[C]ustomizing TDFs creates great potential for maximizing participant retirement outcomes. Plan-specific characteristics to incorporate include plan objectives, participant demographics and behaviors, and other corporate benefits such as a legacy defined benefit (DB) plan. Creating a customized TDF solution allows plan sponsors to unbundle the key decision points of a TDF series, and tailor the design of the glide path, portfolio construction and implementation to plan specifications.... The move toward unbundled recordkeeping relationships (achieving fee transparency, and separating administrative and investment services and fees) in favor of transparency and open architecture is the most prevalent practice today."
Managing Health Care Costs During Retirement: What Pre-Retirees Can Do Now
Morningstar Advisor
"Pre-retirees should investigate long-term care insurance and HSAs as ways to hedge against health-care cost inflation and longevity risk in retirement, says Fidelity's John Sweeney."
Minimum Essential Coverage, Other Health Care Reform Guidance Issued
Journal of Accountancy
[Guidance Overview]
"[T]he final regulations provide that, for purposes of determining the affordability of coverage, the required contribution is reduced by any contributions made by an employer under a Sec. 125 cafeteria plan that [1] may not be taken as a taxable benefit; [2] may be used to pay for minimum essential coverage; and [3] may be used only to pay for medical care as defined in Sec. 213 ... The final regulations clarify that, in general, HRA contributions count toward affordability of health care coverage, and not minimum value, if an employee may use the HRA contributions to pay premiums for the primary plan only or to pay cost-sharing or benefits not covered by the primary plan in addition to premiums."
Government Workers Get First Crack at Phased Retirement
"The nation's largest employer, the federal government, on Nov. 6 began accepting applications for phased retirement. While the rules apply only to federal workers, they could serve as a pilot project for the private sector.... During phased retirement, employees will be paid for part-time work, supplemented by a partial annuity, and will continue to accrue additional service credits toward their final annuity. The employees also will spend 20% of their time mentoring younger workers."
IRS Publication 1020: Appeal Procedures for Employee Plans Examinations, Revised November 2014 (PDF)
Internal Revenue Service [IRS]
[Official Guidance]
"This publication explains: What to do if you agree to the proposed plan disqualification [and] steps to take to appeal to the IRS Office of Appeals if you don't agree with the examination findings. These instructions apply to proposed actions in a revocation letter, nonqualification letter or discrepancy adjustment report for: [1] Form 5500-series annual return of employee benefit plans information examinations relating to: Revocations ... [and] Nonqualifications ... [2] Form 1040/1120 Income tax discrepancy adjustments resulting from these revocations or nonqualifications ... [3] Form 5330, Return of Excise Taxes Related to Employee Benefit Plans, for minimum funding deficiencies, prohibited transactions and other employee plans excise taxes ... and [4] Form 990-T, Exempt Organization Business Income Tax Return, reporting the unrelated business income tax liability of the employee plan's trust."
Massachusetts Attorney General Advises on Domestic Violence Leave Act
Proskauer's Law and the Workplace
[Guidance Overview]
"[T]he Advisory clarifies that the Act only applies to employers with 50 or more employees in Massachusetts.... The Advisory clarifies that there is no mandatory form of notice and lists several possible methods.... It remains unclear whether an employer is required to provide intermittent leave. The Act establishes that an employee may take up to 15 days of leave in any 12-month period. However, it is unclear whether the 12-month period is a rolling 12 months, or a fixed 12-month period."
ERIC Comment Letter to PBGC on Proposed Collection of Information by PBGC Concerning Payment of Premiums (PDF)
The ERISA Industry Committee [ERIC]
"[1] Plan sponsors can increase the strength and duration of their defined benefit plans through a variety of de-risking methods. The PBGC should support the efforts of companies that continue to sponsor and/or administer defined benefit plans. [2] The Information Collection Request is somewhat vague and open-ended with respect to the type of information that the PBGC plans to collect. The PBGC should provide additional clarification with respect to the data that needs to be reported."
Obama Officials Seek to Clarify Abortion Coverage Rules
Kaiser Health News
"The [
proposed regulations issued Nov. 21
] specify ways in which insurers can assess and collect separate payments for abortion coverage, which must total at least $1 per month. But anti-abortion groups are complaining that the guidance in the new rules does little to address the bigger problem: It is still extremely difficult for the average consumer to tell which plans include elective abortion coverage and which do not."
PBGC Guarantees 401(k) Rollovers to DB Pensions
"If a private-sector pension plan goes bankrupt, the PBGC guarantees payments, up to $60,165 a year. Under the new rules, you'll be able to add your 401(k) assets to your pension, which would increase the amount of your pension paycheck. The amount you add to your pension from your 401(k) wouldn't be subject to the $60,165 limit."
Feds Say It Again: Don't Pay or Reimburse Employees' Individual Insurance Premiums (PDF)
[Guidance Overview]
"[T]he agencies stressed that employers who pay or reimburse premiums for individual health insurance coverage will violate health reform law requirements, even if the amounts are treated as taxable compensation. The agencies then explained that an employer violates various laws by paying individuals with high claims to waive coverage under the employer's health plan. Finally, the agencies explained that schemes for reimbursing individual health insurance premiums are group health plans that must comply with health reform law mandates even if the employer has no involvement in choosing the health coverage."
SHOP Marketplace Premiums Flat in 2015
The White House Blog
"Businesses seeking coverage on the SHOP Marketplace in 2015 will find that, on average across the 32 States where the Federal government operated the SHOP Marketplace in both 2014 and 2015, the premium for the lowest-cost bronze, silver, and gold policies has remained steady or declined slightly relative to 2014. The premium for the median policy within each metal tier also saw very slow growth on average, rising just 2.1 percent for bronze plans, 0.7 percent for silver plans, and 1.6 percent for gold plans. On average across the States where the Federal government is operating the SHOP Marketplace in 2015, businesses can choose from 25 different plans."
A Road Less Travelled: Including Alternative Investments in a 401(k) Plan (PDF)
Marcia Wagner, via 401k Advisor
"As with any investment, the plan sponsor needs to understand and analyze the alternative investment to ensure that it is prudent and made solely in th interest of plan participants and beneficiaries ... However, the analysis becomes more complicated, because fiduciaries also must resolve the question of whether the investment itself is deemed to be holding plan assets. If so, additional fiduciary considerations come into play[.]"
Text of CMS Draft 2016 Actuarial Value Calculator Methodology (PDF)
Centers for Medicare & Medicaid Services [CMS], U.S. Department of Health and Human Services [HHS]
[Official Guidance]
"The AV Calculator represents an empirical estimate of the AV calculated in a manner that provides a close approximation to the actual average spending by a wide range of consumers in a standard population. This draft document is meant to detail the specific methodologies used in the AV calculation. The revised version of this draft document incorporates updates to account for the draft 2016 AV Calculator." [Also available:
2016 AV Calculator
(Excel spreadsheet)]
City of Oakland Joins Two Other California Cities in Mandating Paid Sick Leave
Ford & Harrison LLP
[Guidance Overview]
"Under the new measure, which goes into effect March 2, 2015, employers are required to provide up to 72 hours of paid sick leave rather than the minimum 24 hours provided by state law. The new ordinance also allows employees to carry over more unused paid sick leave than permitted under state law. Further, unlike the state's law, Oakland's measure permits employees to designate certain non-family members for whom they can use their paid sick leave. Similar to state law, the new ordinance does not require an employer to pay an employee for unused leave at the time of the employee's separation from employment.... A comparison table showing some key differences in each jurisdiction's paid sick leave laws is [provided]."
Judge to the State's Defense of the Illinois Pension Reform Law: No Dice
Seyfarth Shaw LLP
"The Court struck down the State's affirmative defense claims that it could diminish benefits despite Article XIII of the [Illinois] Constitution based upon an exercise of the State's 'reserved sovereign powers or police powers.' There was 'no such legally valid defense' according to the Court, because the pension protection clause of the Constitution does not provide for any such exception or limitation. In light of this conclusion, the Court did not even need to address the merits of the State's defense.... [T]he Governor and Attorney General have stated that they will move for an immediate appeal ... to the [Illinois] Supreme Court." [
In re Pension Litigation
, No. 2014 MR 1 (7th Ill. Nov. 21, 2014)]
Lower Subsidies Could Lead to Exchange Sticker Shock for Enrollees
HealthLeaders InterStudy
"The news that some exchange carriers will offer lower premiums in 2015 was a surprise in many markets. But the biggest surprise could await exchange customers who stick with their existing exchange plan without shopping around. An unintended consequence of lower premiums is lower subsidies, which raises the percentage of premium that enrollees pay for their plan."
How to Transition an Employee to Your Standard Ongoing 12-Month Measurement Period After the Initial ACA Measurement Period
Benefit Revolution
[Guidance Overview]
"Once a new variable hour, seasonal employee or part-time employee has been employed for an entire standard measurement period, the employee must be tested for full-time status, beginning with that standard measurement period, at the same time and under the same conditions as other ongoing employees.... [Here] is a simple visual sample of what your standard measurement periods might look like if you had a 1/1 renewal and selected 12-months. The vast majority of employers are electing to use 12-months to gain the longest period over which to average hours and to avoid having to repeat the ongoing calculation more than once a year."
Tips on Making the Most of Your First 401(k)
"While many employers do a good job of educating their employees about how to use their plans, others do not -- or perhaps employees simply aren't listening. About 52 million Americans participated in 401(k) plans in 2012, yet many still are not saving enough for retirement or have developed bad habits, such as taking out loans that inhibit the growth of their accounts.... [Here are] tips on everything from saving enough to picking the right investments to simply taking the long view about the whole process."
Flowchart of Employer Responsibility Under the ACA
Henry J. Kaiser Family Foundation
[Guidance Overview]
"The Affordable Care Act does not require businesses to provide health benefits to their workers, but larger employers face penalties if they don't make affordable coverage available. The Obama Administration announced 'transition relief' under which the penalties will go into effect in 2015 for employers with 100 or more employees and in 2016 for employers with 50 or more workers. This simple flowchart illustrates how those employer responsibilities work."
New IRS Guidance for Transportation-Related Benefits Restricts Use of Cash Reimbursements
Practical Law Company
[Guidance Overview]
IRS Rev. Rul. 2014-32
] addresses several examples involving payment methods for certain employer-provided transportation benefits, and whether the benefits must be included in employees' gross income.... IRS takes the position that the rule permitting employers to use cash reimbursements if the only available voucher (or similar item) is a terminal-restricted debit card is 'no longer warranted'."
Changes Issued for Tax Notices Required to Be Provided to Persons Entitled to Receive a Retirement Plan Distribution
Winstead PC
[Guidance Overview]
"The changes not only reflect the change in the rollover rules but also discuss the In-Plan Roth Rollover tax treatment. The changes include a clarification that refunds of automatic enrollment contributions are not eligible to be rolled over, if your plan has implemented automatic enrollment in salary reduction or deferral contributions of persons when they are first eligible. There is one notice for a plan without a Roth account and a separate notice for a plan with a Roth Account."
San Diego County Pension Fund Searching for New Investment Chief
The Wall Street Journal; subscription may be required
"A large California pension fund is searching for a new chief investment officer amid concerns about a complicated investment strategy that uses derivatives to boost performance. The board of San Diego County Employees Retirement System authorized the move [on Nov. 21] in an 8-1 vote that requires the $10 billion fund to install an internal investment chief instead of relying on an outside firm for that role.... The switch to a new governance structure ... represents the latest clash between outside consultants and the pension funds that rely on them for advice, as public retirement systems wrestle with how to fulfill mounting obligations to retirees."
Text of IRS Notice 2014-74: Safe Harbor Explanations -- Eligible Rollover Distribution (PDF)
Internal Revenue Service [IRS]
[Official Guidance]
23 pages. "This notice amends the two safe harbor explanations in
Notice 2009-68
... that can be used to satisfy the requirement under Section 402(f) of the Internal Revenue Code that certain information be provided to recipients of eligible rollover distributions. Amendments to the safe harbor explanations reflected in this notice relate to the allocation of pre-tax and after-tax amounts, distributions in the form of in-plan Roth rollovers, and certain other clarifications to the two safe harbor explanations. The amendments to the safe harbor explanations (and attached model notices) may be used for plans that apply the guidance in section III of
Notice 2014-54
... with respect to the allocation of pretax and after-tax amounts"
Minimum Essential Coverage and the Multi-State Plan
Health Affairs
[Guidance Overview]
"Under the final [IRS regulation], the required contribution is reduced by employer contributions to a 125 cafeteria plan if [1] the employee does not have the option to take the contribution as a taxable benefit (such as cash), [2] the contribution may be used to pay for [minimum essential coverage], and [3] the contribution may only be used to pay for medical care.... Employer contributions to an HRA can only count toward an employee's required contribution if they are required under the terms of the plan or can otherwise be determined within a reasonable time before the employee must decide whether to enroll in the group health plan.... [A] determination of affordability is based on the employer contribution that would be charged to an employee who does not participate in [an employer's] wellness program, unless the program relates to tobacco use[.]"
Federal District Court: Participant in Possession of Accurate SPD Cannot Rely on Oral Misrepresentation (PDF)
U.S. District Court for the District of Massachusetts
"Here, Forristall argues that Fedex's liability stems from Strong's mistaken impression that Mary remained eligible for coverage under Forristall's [group health] insurance plan after the divorce and his failure to correct the relevant data entries in Fedex's computer system. This argument, however, directly touches on Fedex's recordkeeping and disclosure duties as an ERISA plan administrator, which include providing participants with an accurate written description of the plan.... To permit plan participants to bring state law claims premised on oral explanations that deviate from the statutorily required written plan description would undo Congress's intent of insuring the integrity and consistency of ERISA plan administration." [Forristall v. Federal Express Corp., No. 1:13-cv-11454-RGS (D. Mass. Nov. 21, 2014)]
Adoption Benefits Can Boost Recruitment Efforts for Employers
Bloomberg BNA
"Typically, adoption benefits employers offer include financial reimbursement for adoptive parents' legal fees, travel costs and home studies -- total costs to families can range into the tens of thousands of dollars -- as well as paid or unpaid leave of from one to 18 weeks, like that offered parents of newborn biological children[.]"
HHS Wastes No Time Issuing Proposed Rules Modifying Minimum Value Rules
Mintz Levin
[Guidance Overview]
"HHS has proposed to amend its final MV regulations to require that, in order to provide minimum value, an employer-sponsored plan not only must meet the quantitative standard of the actuarial value of benefits, but also must provide a benefit package that meets a minimum standard of benefits. Moreover, in order to satisfy MV, an employer plan must provide substantial coverage of both inpatient hospital services and physician services.... HHS proposes that the changes to its MV final regulations will apply to employer-sponsored plans, including plans that are in the middle of a plan year, immediately on the effective date of the final regulations."
CalPERS Retirees Will Outnumber Active Workers Soon
"The growing number of retirees, partly due to aging baby boomers, is one reason a staff report last week argues that CalPERS has too much 'risk' and should consider a number of options during a board workshop early next year. Among the options listed are a more conservative investment allocation, a lower earnings forecast, an employer choice of asset allocations with different risk and expected returns, and workers sharing the risk through contributions, benefit design or cost sharing."
IRS Clarifies Key Rollover Question
Ed Slott, in Financial Planning
[Guidance Overview]
"One of the most hotly debated issues in the retirement planning community has been whether a client with pretax and after-tax employer-plan money can roll it over in two parts -- moving that after-tax cash to a Roth IRA tax-free, that is, while also directly moving the pretax money into a traditional IRA.... [A] new IRS notice provides an emphatic answer: Yes, they can.... Although the notice says it will generally apply to distributions taken in 2015 or later, it also says taxpayers can apply a reasonable interpretation of the existing rules. Practically speaking, the guidance is effective immediately."
Proposed Enhancements for a Modest IRS Pilot-Compliance Program Limited to Owner-Employee Plans and Foreign Deferred Compensation Plans
Albert Feuer, via SSRN
"The article ... offers three suggestions about reporting improvements, many of which were previously implemented, but are no longer in use. First, sponsors of foreign plans maintained primarily for non-resident aliens and of domestic plans limited to owner-employees should provide more information on their respective annual U.S. income-tax returns about their plan contributions and distributions. Second, the Service should issue separate 5500 forms for the different kinds of non-ERISA plans required to make such filings.... Third, the Service's reporting regulations should be revised to be consistent with its practices, whether it be to require annual Form 5500 reports from Code Section 403(b)(1) plans or from unfunded plans."
Obama, Gruber: Two Peas in a Pod
Leroy Goldman, in Blue Ridge News
"In an analogous but different way, MIT economics professor Jonathan Gruber turns out to be President Barack Obama's Alexander Butterfield. Don't misunderstand -- I am not suggesting that President Obama is guilty of obstruction of justice or contempt of Congress as Richard Nixon was. But I am suggesting that Gruber's taped revelations will turn out to be terribly and irreversibly damaging to President Obama and Obamacare. Gruber's tapes document how the Obama administration deliberately misled Congress and the American people in order to get Obamacare enacted and implemented. They make it impossible to deny what really happened."
Text of PBGC Final Regs: Title IV Treatment of Rollovers from Defined Contribution Plans to Defined Benefit Plans
Pension Benefit Guaranty Corporation [PBGC]
[Official Guidance]
"In April 2014, PBGC proposed to amend its regulations to clarify the treatment of benefits resulting from a rollover distribution from a defined contribution plan to a defined benefit plan, if the defined benefit plan was terminated and trusteed by PBGC. Under the proposal, a benefit resulting from rollover amounts generally would not be subject to PBGC's maximum guaranteeable benefit or phase-in limitations and would be in the second highest priority category of benefits in the allocation of assets. PBGC is now finalizing that proposal. Except for making minor clarifications suggested by commenters, the final regulation is the same as the proposed regulation. This rulemaking is part of PBGC's efforts to enhance retirement security by promoting lifetime income options."
IRS Employee Plans News 2014-19, November 24, 2014 (PDF)
Internal Revenue Service [IRS]
[Guidance Overview]
Topics in this issue: [1] Modified 403(b) plan Listing of Required Modifications coming soon; [2] Plans may file for determination letters -- Cycle D ends January 31, 2015, for individually designed plan sponsors whose EIN ends in 4 or 9 and multiemployer plans; and [3] Rollover chart.
2016 Benefit and Payment Parameters Proposed Rule: Reinsurance, Risk Adjustment, and Risk Corridor Programs; Health Insurance Rate Review; and the Individual and SHOP Exchanges
Health Affairs
[Guidance Overview]
"Several methods are available to contributing entities for counting enrollees two of which -- the snapshot count and snapshot factor methods -- are explained in greater depth in the proposed rule ... The proposed rule also explains how contributing entities can prorate contributions if they cover enrollees for only part of the year.... The proposed rule extends to 2015 a safe harbor for non-compliance with the risk adjustment and reinsurance data requirements, recognizing the complexity of the requirements.... [The] rule proposes a number of changes in the ACA rate review program.... The proposed rule makes a number of changes in the rules governing exchanges (which are once again referred to as exchanges rather than marketplaces).... [HHS] is considering changing the default rule so that enrollees who do not affirmatively change plans would be auto-reenrolled into a low-cost plan (perhaps randomly) in the same metal level if the cost of the enrollee's plan increased, or increased more than a threshold amount (5 or 10 percent).... Proposed amendments to the SHOP rule would allow exchanges to assist an employer in administering continuation coverage by collecting premiums for such coverage directly from former employees."
IRS Issues Final and Proposed Rules for Hybrid Pension Plans (PDF)
[Guidance Overview]
"The final rule provides greater flexibility than the 2010 regulations on the market rate of return, the statutory metric used to credit interest ... on participants' hypothetical account balances. Commenters on the 2010 rule pointed out that the proscribed permissible rates of return and some of the permissible indices were neither broad enough nor representative of true market rates of return. The IRS now specifies that the hybrid plan's interest-crediting rate cannot be greater than the set of rates or indices established in the new final rule[.]"
DOL Regulatory Agenda, Fall 2014
U.S. Department of Labor
[Guidance Overview]
A list of the upcoming regulatory projects of the DOL, including the Employee Benefits Security Administration [EBSA]. Also available:
Fall 2014 Statement of Regulatory Priorities
2016 Benefit and Payment Parameters Proposed Rule, Consumer Provisions; Hardship Exemptions
Health Affairs
[Guidance Overview]
"CMS and the IRS have decided to grant an automatic hardship exemption to individuals who live in states that have failed to expand Medicaid, who have household incomes below 138 percent of the federal poverty level, who are under age 65, and do not qualify for traditional Medicaid or Medicare.... The benefit provisions ... contain a number of proposals for actual changes in current qualified health plan (QHP) benefits rules, but also propose a number of potential changes or approaches to changes for comment without actually adopting them as proposals. It is a very dense document, full of new ideas."
Retirement Distributions: Choose the Right Mix for Your Situation
Charles Schwab
"Cover essentials with predictable income sources ... Fund discretionary expenses with fluctuating income ... Generate cash flow when you rebalance your portfolio ... When it comes to selling assets, it's usually better to part with investments held in taxable accounts before taking money from tax-deferred accounts.... A possible exception is if your IRA balance is very large."
State of Oklahoma Asks Supreme Court for Faster ACA Appeal
"The state of Oklahoma, arguing that the Supreme Court should consider the views of a state government when it rules on the legality of federal tax subsidies to be paid to insurance-buying consumers under the [ACA], has
urged the Court
to review that state's case when it considers the already granted case of
King v. Burwell
. Following a request by the Obama administration, Oklahoma's case is on hold now at the U.S. Court of Appeals for the Tenth Circuit, while the Justices review the King case." [
Oklahoma ex rel. Pruitt v. Burwell
, No. CIV-11-30-RAW (E.D. Okla. Sept. 30, 2014)]
Judge Rejects Overhaul of Illinois's Beleaguered State Pension System
The New York Times; subscription may be required
"Illinois ... argued that the constitutional clause was not airtight. All states have a fundamental authority known as their 'police power,' which gives them the duty and the legal tools to protect the safety and well-being of their citizens.... [Judge John W. Belz of the Sangamon County Circuit Court in Springfield] did not explain why he found those arguments unpersuasive. But in a court hearing on [Nov. 20], he pointed out that no court had used the 'police powers' argument to authorize changes in public pensions."
Illinois State Circuit Court Rules State Pension Reform Bill Unconstitutional
Illinois Policy Institute
"[As] long as SB 1 is tangled up in the courts, Illinois' massive pension debt will continue to balloon. The unfunded pension liability is so large today that it would take three years of a complete government shutdown, during which the entire general fund went toward pensions, just to break even.... Illinois' unfunded pension liability grew to more than $111 billion this year, according to official estimates. That's a $48 billion increase just since 2009."
IRS Releases 2015 Versions of Forms for Trustee Reporting of HSA Contributions and Distributions
Thomson Reuters / EBIA
[Guidance Overview]
"The instructions in Form 5498-SA no longer indicate that complete identification numbers are reported to state and local governments, and they now mention employer identification numbers as a type of personal identification number that may be truncated.... These 2015 forms should not be used until 2016, when reporting for the 2015 tax year is due. Those preparing forms with truncated identification numbers should be careful to truncate only the identification number of the 'participant' (on Form 5498-SA) and the 'recipient' (on Form 1099-SA)."
DOL's New Audit Focus: Health Plan Claims and Appeals, and Hard-to-Value Retirement Plan Assets
Proskauer's ERISA Practice Center
"DOL representatives have expressed concern that the complexity of health and welfare benefits adjudication creates an inherent risk of error (or, worse, fraud). The DOL is also concerned that benefits are being systematically denied at the initial claim level, because, more often than not, participants do not appeal the initial claims determinations. Further, the DOL is questioning whether plans are providing sufficient and understandable information regarding the reasons for denial of a claim, such that participants can adequately avail themselves of the appeals process."
Retirees with Health Coverage Say They Are Financially Comfortable But Still Worry About Health Costs
Towers Watson
"This survey examines the attitudes of U.S. retirees who receive retiree health benefits from their employer via a private exchange. A majority of these retirees reported higher than anticipated health costs and 84% were concerned about future increases. Retirees were more satisfied than older employees with their finances and less likely to have reduced spending and delayed major expenditures."
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Student-teacher engagement is superlative. Most professors either ensure small class sizes, or structure the class in a way to create more interaction and get a chance to know their students.
I guess it boils down to cliques. You definitely get some jocks sleeping through class, some goofs going through an ostentatious period of "experimentation," and other groups for better and worse....
the exit
the Administration & Faculty
Don't waste your time and money on this school...This "for profit" academy teaches 3 basic(outdated, ancient) haircuts in a 1 week period. Well, actually, there is only 1 day of cutting hair. After...
Very laid back community--made some great friends who were at the same place in life. Good for anyone who has to commute to school and isn't looking for an intense college culture.
Could use more course offerings.
Sim lab is fantastic. Staff when I was there was nice - especially Prof Pennington
NOT accredited. Price has consistently gone up from $30 k when I graduated to over $42 K. Average BSN salary in Florida is only $20/hour to start, and cost of living is higher. Was not straight...
The college is known for wild parties, bing drinking, more drugs than any us college campus, sex than for a good education. Just take a drive thru their campus on game nights as I did to confirm...
Grace is decreasing its tuition in the fall of 2015 by 9%! On top of that, every student will receive FREE textbook rentals!
1. You can tailor your own course! No majors and minors. Sounds intimidating? It is not. 2. Field work term. 3. The college is so damn beautiful. 4. Student organizations are awesome and if you...
The college is not so sportsy...by this I do not mean that sports amenities are lacking, there are plenty, but what I mean is there are not much sportsy people.
The short amount of time you have to be there....
Writing these reviews
The pride!!!!
UNobody at this school does their job. Unless you plan to party or play sports, I suggest you go somewhere else!!!!
Your decision
Fines have been added to myself and husbands account, they have done nothing to fix it. We didn't use their services for these fines. And the staff twice, first me then six months later my husband....
The best part about the school for me is the campus and how beautiful it really is.
They are super career focused and help prepare you for your future job. Yay internships!
Required meal plan kind of sucks with it's current limited meal swipes but rumor is they are changing that.
The fun and exciting atmosphere
Diversity, sustainable, resources, scholarships
Tuition, Mandatory health insurance and other school fees, some proffessors
Search for a college or university by name
See how some of the biggest college rivalries stack up against one another.

subset: commoncrawl


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Type: Posts; User: VR6 T
bump. make a reasonable offer
Have had some interest, but no one has come to actually look at it....surely someone wants this S4!
lowered price
bump, make offer
Lots of views, but no interest??
Sorry, not open to any trades.
price drop
2001.5 Audi S4
Six speed manual
165K miles
4300 obo
Car is located near Richmond, Virginia.
This grill is in good shape, only selling because I could use the cash.
Tabs are in good shape and not broken.
The top right corner of the s4 emblem is cracked. The grill was painted black by...
I have this exact cable in perfect working condition. http://store.ross-tech.com/shop/VCKII.html
Only selling because I got it in a trade and I already have one.
$175 shipped obo
bump, make an offer.
These are currently on my B5 S4, only reason I am selling is because I could use the cash.
A couple wheels have some small curb marks, and they are starting to fade in between the spokes(this is...
I will be there, with a few others. Usually it is a good sized group.
dmvDANYO usually heads it up, but he hasn't been on here in a few weeks. :confused:
WHEN: Friday September 26th @ 11:30...
These are for NON s-line bumpers. They are brand new and have never been installed.
This is a picture of a set on my wife's car. They fit very well, but I had to use some 3m double sided...
Lowered price!
Did you still want the coilpack?


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Dr. Fleming Crim, NSF Assistant Director for Math and Physical Sciences, shares his thoughts on emerging ideas, frontier research areas, and national needs.
Read the latest perspective on NSF, the Nobel Prize in Chemistry, and optics and photonics
Recent Reports of the MPS Advisory Committee
NSF Budget Request FY 2015
FY 2015 MPS Budget Request Presentation by Fleming Crim
Mathematical & Physical Science Budget Request FY 2015
MPS Rotator and Reviewer Opportunities
I/UCRCs in Areas Relevant to the Forensic Sciences NSF 14-066
Dear Colleague Letter: Forensic Science - Opportunity for Breakthroughs in Fundamental and Basic Research and Education NSF 13-120
MPS Alliances for Graduate Education and the Professoriate - Graduate Research Supplements (AGEP-GRS) Dear Colleague Letter (NSF 13-071)
Science Behind The News is a relatively new, fast-paced video series supported by NSF that explores the science, technology, engineering and mathematics behind current events. Each video features at least one interview with an NSF-funded scientist or researcher.
The five new videos highlight work funded by NSF's Directorate for Mathematical and Physical Sciences. The scope of scientific and educational activity supported in the directorate is enormous, ranging from phenomena at cosmological distances, to environmental science on the human scale, through quantum mechanical processes in atomic and subatomic physics, to phenomena of the unimaginably small.
The five episodes are:
Computational and Data-Enabled Science and Engineering (CDS&E) is a new program. The program will be collaborative with relevant disciplinary programs in other NSF directorates and offices. CDS&E is now clearly recognizable as a distinct intellectual and technological discipline lying at the intersection of applied mathematics, statistics, computer science, core science and engineering disciplines. It is dedicated to the development and use of computational methods and data mining and management systems to enable scientific discovery and engineering innovation. For more information on the CDS&E Program Click Here.
Cyber-Innovation for Sustainability Science and Engineering
Posted November 25, 2014
Materials Innovation Platforms
Posted November 24, 2014
National Nanotechnology Coordinated Infrastructure
Posted November 18, 2014
EPSCoR Research Infrastructure Improvement Program: Track-2
Posted November 17, 2014
CISE-MPS Interdisciplinary Faculty Program in Quantum Information Science
Posted October 31, 2014
Management and Operation of the Gemini Observatory
Letter of Intent:
November 28, 2014
Computational and Data-Enabled Science and Engineering
Full Proposal:
December 1, 2014, All proposals to the Division of Physics
Interdisciplinary Research in Hazards and Disasters
Full Proposal:
December 3, 2014
Mathematical Sciences Infrastructure Program
Full Proposal:
December 3, 2014, For proposals that deal with training as described in the Synopsis
Division of Physics: Investigator-Initiated Research Projects
Full Proposal:
December 4, 2014, Theoretical Elementary Particle Physics; Theoretical Astrophysics and Cosmology; Physics at the Information Frontier (Computational Physics, Quantum Information Science)
Overall FY 2014 MPS funding rate: 24%
December 8, 2014
NSF Day in Baltimore, MD
January 28, 2015
Astronomy and Astrophysics Advisory Committee (AAAC)
Advisory Committee Meeting
January 29, 2015
Astronomy and Astrophysics Advisory Committee (AAAC)
Advisory Committee Meeting
February 27, 2015
Astronomy and Astrophysics Advisory Committee (AAAC)
Advisory Committee Meeting


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Select () or exclude () categories to narrow your recipe search.
As you select categories, the number of matching recipes will update.
Find exactly what you're looking for with the web's most powerful recipe filtering tool.
1/1 Photo of Corn Muffins With Cheese and Nuts
Prep Time:
Cook Time:
10 mins
10 mins
These are very easy to make and great when eaten warm with melting butter.
Units: US | Metric
Serving Size: 1 (938 g)
Servings Per Recipe: 1
Make this season merry, bright and manageable with our easy ideas.


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Local Area EventsListing Calendar
For a current schedule of local events
Visit www.lexingtonvirginia.com for a schedule of upcoming events. Click on Events in the green tool bar at the top of the page.
Clark's Ol Time Music Center
Live music and dancing 7:30 pm - 10 pm. $8/per person: $15/per couple. Old -time mountain music, bluegrass music and dancing (two-step, flatfoot, waltz) Family atmosphere. Wheelchair accessible, groups welcome.
Renegade Art Glass
Come make your own kiln formed art glass object. Contact us to reserve your spot. "Play Dates" are informal classes in fused glass.
Saturday 10:30 am - 12:00 pm and afternoon play date 1:30 pm - 3:00 pm.
Check out the event schedule on the website for more information and play dates.
Renegade Art Glass
Come make your own kiln formed art glass object. Contact us to reserve your spot. "Play Dates" are informal classes in fused glass.
Afternoon play dates: 4:00 pm - 6:00 pm Evening Play dates: 6:30 pm - 8:00 pm
For more information check out the website.
Lexington Farmers Market
8 am- 12:30 pm, McCrums Parking Lot downtown Lexington. Featuring locally sourced meats, produce, baked goods, and more!
Annual Gobble Wobble 5K & Fun Run
Start a new Thanksgiving tradition with the Lexington Gobble Wobble. With the 5K and Fun Run the whole family can participate in a fun, healthy activity to start their Thanksgiving Day!
Registration 7:30 am, Brewbaker Field; 1 mile run: 8:30 am, Brewbaker Filed; 5K Run:9 am, downtown Lexington. Registration: $40/person; $15 (optional fun run long-sleeve T-Shirt)
Night of Miracles Living Nativity Village
Experience the journey to Bethlehem and the miracle of Christmas with an interactive living nativity complete with an entire village full of people and animals built by Professor Mark Cline of the Haunted Monster Museum. Free! Behind Food Lion in Buena Vista.


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(SoapOperaNetwork.com) — "One Life to Live" DVR Alerts for the Week of September 19, 2011.
- Monday: Todd needs Téa's help. Brody pops the question to Natalie. Cutter realizes the gun is missing.
- Tuesday: Todd has an encounter with Irene. Shane tries to get under Jack's skin. Baz works to convince Starr to give Rick a chance to produce their single.
- Wednesday: Someone discovers the identity of Kim's friend in the Kentucky hospital room. Echo still doubts Rex's innocence. Dani pays Todd a visit.
- Thursday: Roxy questions John about his feelings for Natalie. The Ford brothers talk about their love lives. Blair gives Starr some bad news.
- Friday: Blair thinks she knows how to get Jack to tell the truth. John confides in Bo. Natalie has something she needs to tell John.
WHAT DO YOU THINK? Comment Below...
- http://pulse.yahoo.com/_2ENRP4UQ7TJEDOYXUVGFYSJKDQ
- http://www.facebook.com/profile.php?id=100000217792276
- http://pulse.yahoo.com/_RIVVGAKLAUTTNYEAWD3ZJPTPCI


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Modi's DEVELOPMENT based on Globalisation which was started by Rajiv Gandhi Liberalisation policies placed under World Global Policy under SAP.
1. Modi is also following the same theory of Export of Human Resources thru skill Development to meet the Global need.
2. Industries under SEZ are from Global Gujarat Enterprenuers.
3. Milk from Gujarat was Kuriean (Amul) which was before Modi..
4. Service sector, i.e. hospitality is increasing due to Global visitors..
Where India got benefited from MODI while Indian Economy got concentrated in Gujarat, and India's Development Mode
Answers (1)


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Food World News provides information on food market, food trading, global imports, export and resources to assist readers to understand the food industry in depth.
If you have any questions, comments, or inquiries, feel free to contact us.
Starbucks Introduces Wireless Chargers In 200 Stores
Starbucks Wireless Chargers – Starbucks announced that from Tuesday, there would be 200 stores in the San Francisco Bay Area which count with wireless charging spots.
Reasons Why Bone Broth Is Better Than Any Other Vitamins
The latest food fad? Bone broth! If you are searching for nutritious yet cheap soup that you can have in any part of the day, bone broth is the answer. Go to the nearest grocery and pack yourself some animal bones, green vegetables and herbs.
Arsenic Rice: Should We Worry About It?
Arsenic rice is the next scary thing that we have known. The news came out in 2012 and it becomes one of the most bothering things to deal with.
Grape Growers Might Use Drones For Planting
Grape growers might be using drones in order to explore any potential that technology might bring in order to do agricultural chores such as crop spraying, irrigation and monitoring.
Cocoa Shortage In 2020? Biggest Chocolate Company Warns That Things Could Get Tough For Chocolatiers
Chocolate is one of the most universally loved things in the entire world, between its own flavor and all the delicious things its sweet taste can be involved in - but, according to experts, there could be a cocoa shortage in 2020 that could almost disappear chocolate off shelves and raise its prices.
Food Means Medicine, Lee Memorial Health System Improves Cafeteria
The Lee Memorial Health System has announced that they believe food is very important in the recovery of patients in their hospital so they are really working on making their cafeteria be different and defy the generalization of people that hospital food is not really appetizing.


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SAB TV to make weekend more fun filled as three new shows will be launched.
Gutthi aka Sunil Grover who is entertaining the masses with his female ...
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|By PR Newswire
Article Rating:
|November 7, 2012 11:34 AM EST
LONDON, November 7, 2012 /PRNewswire/ --
Abdirashid Duale, CEO of Dahabshiil - one of Africa's largest remittance businesses - today discussed the economic future of the Somali territories at an event at London's prestigious School of Oriental and African Studies, University of London.
Mr Duale joined senior lecturer and expert on the Somali regions Dr Laura Hammond in discussing the preliminary findings of new research into the diaspora's role in promoting economic development through remittance finance. The research specifically sought to determine differences in levels of remittance dependency between urban and rural communities.
As part of a series of talks organised by the SOAS Centre for Migration and Diaspora Studies, Mr Duale outlined the essential role remittances continue to play within the Somali territories. The Somali diaspora sends around $1.6 billion back home each year, a stable capital flow that far exceeds what the region receives in aid. This vital income has helped to sustain households and businesses, and has protected them during crises such as the acute food and water shortage which continues to affect some areas.
With approximately half of urban families receiving remittances from abroad, the commonly held belief is that these communities enjoy most of the benefits at the expense of poorer, rural groups. The research, conducted by the Food and Agricultural Organisation's Food Security and Nutrition Assessment Unit (FSNAU) for Somalia and co-led by Dr Hammond and Dr Zoltan Tiba of FSNAU, challenges this notion and shows that many rural economies are also closely tied to remittance inflows - either directly or via family connections with those living in the cities. The research did however confirm that approximately forty per cent of all Somali households receive remittance income.
Addressing the question of distribution between urban and rural areas, Mr Duale said:
"In my experience, remittances have been instrumental in alleviating poverty and nurturing local economies in some of the Somali territories' most remote locations. Particularly through its work with IFAD, Dahabshiil has invested heavily in expanding its network of money transfer agents in order to reach those communities.
"Remittances are primarily based on peer-to-peer personal relationships. The rapid spread of new telecommunications technology has been essential to stabilising and increasing remittance flows by allowing people to keep in closer contact with their families in the diaspora."
Dahabshiil Group entered Somalia's booming telecoms industry in 2008 with the acquisition of Somtel, a fast-growing firm specialising in mobile and high speed broadband.
This expansion is indicative of the synergies between the region's telecommunications and remittance industries. Diaspora money has poured into telecoms as young, dynamic firms have competed vigorously for market share. As technology has advanced, communications between transfer agents has been greatly facilitated.
Mr Duale said: "In the early 1990s, high frequency radio was the primary means of communication and money transfer. Two decades later the Somali territories offer some of the most advanced and competitively priced telecoms services in the world. Dahabshiil has rapidly assimilated this new technology as it has become available."
With seventy per cent of Somali families now owning at least one mobile phone, the increasing connection between migrants and their families has fanned demand for remittances. Transfers to Hargeisa, as Mr Duale explained, tripled during the mid-90s as telecoms services first became widely available. After twenty years of upheaval, both industries have become central to maintaining important familial and social connections, often across long distances.
Diaspora investment has also been a critical factor in the growth of the energy, import/export, manufacturing and construction industries. As the security situation in Mogadishu has improved, Mr Duale indicated that new houses are springing up as families look to return home.
"The construction sector in particular is benefitting hugely from remittance inflows. A rising property market will create wealth and jobs, and will be an important part of the capital area's economic recovery," he said.
As well as fuelling economic development, remittances have played an important part in reconciliation across the region. By funding conferences and mediation efforts, the diaspora has made a significant contribution to the peace process and has stayed close to the political life of the territories.
Discussing the potential value of her new research into remittance flows, Dr Hammond said: "This research will help significantly in improving our understanding of what is one of the main drivers of the Somali economy.
"Interaction between diaspora and local communities is imperative to the continued rehabilitation of the Somali region. A greater appreciation of remittance penetration will undoubtedly help to shape policy development."
Notes to Editors:
Dahabshiil Group is one of Somalia's largest private sector employers and spans money transfer, banking, telecoms and import/export. As well as providing a lifeline for individuals, families and businesses, Dahabshiil serves over 95% of international organisations operating in the region, and provides strong support to Somali communities at home and abroad through ongoing CSR projects. It serves migrant communities all over the world, and is fully compliant with international regulations.
Dr Laura Hammond is a Senior Lecturer in Development Studies at SOAS and an expert on food security, agrarian development, migration and diaspora investment in the Horn of Africa. Recent academic papers include Cash and Compassion: The Role of the Somali Diaspora in Relief, Development and Peace-building, commissioned by UNDP Somalia and published in January 2011.
SYS-CON Events announced today that Windstream, a leading provider of advanced network and cloud communications, has been named "Silver Sponsor" of SYS-CON's 16th International Cloud Expo®, which will take place on June 9–11, 2015, at the Javits Center in New York, NY. Windstream (Nasdaq: WIN), a FORTUNE 500 and S&P 500 company, is a leading provider of advanced network communications, including cloud computing and managed services, to businesses nationwide. The company also offers broadband, phone and digital TV services to consumers primarily in rural areas.
Nov. 23, 2014 06:30 PM EST Reads: 1,594
"There is a natural synchronization between the business models, the IoT is there to support ," explained Brendan O'Brien, Co-founder and Chief Architect of Aria Systems, in this SYS-CON.tv interview at the 15th International Cloud Expo®, held Nov 4–6, 2014, at the Santa Clara Convention Center in Santa Clara, CA.
Nov. 23, 2014 12:00 PM EST Reads: 1,573
The major cloud platforms defy a simple, side-by-side analysis. Each of the major IaaS public-cloud platforms offers their own unique strengths and functionality. Options for on-site private cloud are diverse as well, and must be designed and deployed while taking existing legacy architecture and infrastructure into account. Then the reality is that most enterprises are embarking on a hybrid cloud strategy and programs. In this Power Panel at 15th Cloud Expo (http://www.CloudComputingExpo.com), moderated by Ashar Baig, Research Director, Cloud, at Gigaom Research, Nate Gordon, Director of T...
Nov. 23, 2014 07:45 AM EST Reads: 1,423
The definition of IoT is not new, in fact it's been around for over a decade. What has changed is the public's awareness that the technology we use on a daily basis has caught up on the vision of an always on, always connected world. If you look into the details of what comprises the IoT, you'll see that it includes everything from cloud computing, Big Data analytics, "Things," Web communication, applications, network, storage, etc. It is essentially including everything connected online from hardware to software, or as we like to say, it's an Internet of many different things. The difference ...
Nov. 22, 2014 10:00 PM EST Reads: 1,269
ARMONK, N.Y., Nov. 20, 2014 /PRNewswire/ -- IBM (NYSE: IBM) today announced that it is bringing a greater level of control, security and flexibility to cloud-based application development and delivery with a single-tenant version of Bluemix, IBM's platform-as-a-service. The new platform enables developers to build ap...
Nov. 22, 2014 05:30 PM EST Reads: 1,429
Cloud Expo 2014 TV commercials will feature @ThingsExpo, which was launched in June, 2014 at New York City's Javits Center as the largest 'Internet of Things' event in the world.
Nov. 22, 2014 05:30 PM EST Reads: 1,394
An entirely new security model is needed for the Internet of Things, or is it? Can we save some old and tested controls for this new and different environment? In his session at @ThingsExpo, New York's at the Javits Center, Davi Ottenheimer, EMC Senior Director of Trust, reviewed hands-on lessons with IoT devices and reveal a new risk balance you might not expect. Davi Ottenheimer, EMC Senior Director of Trust, has more than nineteen years' experience managing global security operations and assessments, including a decade of leading incident response and digital forensics. He is co-author of t...
Nov. 22, 2014 05:30 PM EST Reads: 1,230
Explosive growth in connected devices. Enormous amounts of data for collection and analysis. Critical use of data for split-second decision making and actionable information. All three are factors in making the Internet of Things a reality. Yet, any one factor would have an IT organization pondering its infrastructure strategy. How should your organization enhance its IT framework to enable an Internet of Things implementation? In his session at Internet of @ThingsExpo, James Kirkland, Chief Architect for the Internet of Things and Intelligent Systems at Red Hat, described how to revolutioniz...
Nov. 21, 2014 09:15 PM EST Reads: 1,319
Technology is enabling a new approach to collecting and using data. This approach, commonly referred to as the "Internet of Things" (IoT), enables businesses to use real-time data from all sorts of things including machines, devices and sensors to make better decisions, improve customer service, and lower the risk in the creation of new revenue opportunities. In his General Session at Internet of @ThingsExpo, Dave Wagstaff, Vice President and Chief Architect at BSQUARE Corporation, discuss the real benefits to focus on, how to understand the requirements of a successful solution, the flow of ...
Nov. 21, 2014 08:00 PM EST Reads: 1,396
The security devil is always in the details of the attack: the ones you've endured, the ones you prepare yourself to fend off, and the ones that, you fear, will catch you completely unaware and defenseless. The Internet of Things (IoT) is nothing if not an endless proliferation of details. It's the vision of a world in which continuous Internet connectivity and addressability is embedded into a growing range of human artifacts, into the natural world, and even into our smartphones, appliances, and physical persons. In the IoT vision, every new "thing" - sensor, actuator, data source, data con...
Nov. 21, 2014 08:00 PM EST Reads: 1,336
"BSQUARE is in the business of selling software solutions for smart connected devices. It's obvious that IoT has moved from being a technology to being a fundamental part of business, and in the last 18 months people have said let's figure out how to do it and let's put some focus on it, " explained Dave Wagstaff, VP & Chief Architect, at BSQUARE Corporation, in this SYS-CON.tv interview at @ThingsExpo, held Nov 4-6, 2014, at the Santa Clara Convention Center in Santa Clara, CA.
Nov. 21, 2014 07:00 PM EST Reads: 1,254
Focused on this fast-growing market's needs, Vitesse Semiconductor Corporation (Nasdaq: VTSS), a leading provider of IC solutions to advance "Ethernet Everywhere" in Carrier, Enterprise and Internet of Things (IoT) networks, introduced its IStaX™ software (VSC6815SDK), a robust protocol stack to simplify deployment and management of Industrial-IoT network applications such as Industrial Ethernet switching, surveillance, video distribution, LCD signage, intelligent sensors, and metering equipment. Leveraging technologies proven in the Carrier and Enterprise markets, IStaX is designed to work ac...
Nov. 20, 2014 09:15 PM EST Reads: 1,351
C-Labs LLC, a leading provider of remote and mobile access for the Internet of Things (IoT), announced the appointment of John Traynor to the position of chief operating officer. Previously a strategic advisor to the firm, Mr. Traynor will now oversee sales, marketing, finance, and operations. Mr. Traynor is based out of the C-Labs office in Redmond, Washington. He reports to Chris Muench, Chief Executive Officer. Mr. Traynor brings valuable business leadership and technology industry expertise to C-Labs. With over 30 years' experience in the high-tech sector, John Traynor has held numerous...
Nov. 20, 2014 06:00 PM EST Reads: 1,301
Bit6 today issued a challenge to the technology community implementing Web Real Time Communication (WebRTC). To leap beyond WebRTC's significant limitations and fully leverage its underlying value to accelerate innovation, application developers need to consider the entire communications ecosystem.
Nov. 20, 2014 04:45 PM EST Reads: 1,088
The 3rd International @ThingsExpo, co-located with the 16th International Cloud Expo - to be held June 9-11, 2015, at the Javits Center in New York City, NY - announces that it is now accepting Keynote Proposals. The Internet of Things (IoT) is the most profound change in personal and enterprise IT since the creation of the Worldwide Web more than 20 years ago. All major researchers estimate there will be tens of billions devices - computers, smartphones, tablets, and sensors - connected to the Internet by 2020. This number will continue to grow at a rapid pace for the next several decades.
Nov. 20, 2014 01:00 PM EST Reads: 1,548
The Internet of Things is not new. Historically, smart businesses have used its basic concept of leveraging data to drive better decision making and have capitalized on those insights to realize additional revenue opportunities. So, what has changed to make the Internet of Things one of the hottest topics in tech? In his session at @ThingsExpo, Chris Gray, Director, Embedded and Internet of Things, discussed the underlying factors that are driving the economics of intelligent systems. Discover how hardware commoditization, the ubiquitous nature of connectivity, and the emergence of Big Data a...
Nov. 20, 2014 12:30 PM EST Reads: 1,775
Almost everyone sees the potential of Internet of Things but how can businesses truly unlock that potential. The key will be in the ability to discover business insight in the midst of an ocean of Big Data generated from billions of embedded devices via Systems of Discover. Businesses will also need to ensure that they can sustain that insight by leveraging the cloud for global reach, scale and elasticity.
Nov. 18, 2014 09:00 PM EST Reads: 2,004
SYS-CON Events announced today that IDenticard will exhibit at SYS-CON's 16th International Cloud Expo®, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY. IDenticard™ is the security division of Brady Corp (NYSE: BRC), a $1.5 billion manufacturer of identification products. We have small-company values with the strength and stability of a major corporation. IDenticard offers local sales, support and service to our customers across the United States and Canada. Our partner network encompasses some 300 of the world's leading systems integrators and security s...
Nov. 18, 2014 08:15 PM EST Reads: 1,540
IoT is still a vague buzzword for many people. In his session at @ThingsExpo, Mike Kavis, Vice President & Principal Cloud Architect at Cloud Technology Partners, discussed the business value of IoT that goes far beyond the general public's perception that IoT is all about wearables and home consumer services. He also discussed how IoT is perceived by investors and how venture capitalist access this space. Other topics discussed were barriers to success, what is new, what is old, and what the future may hold. Mike Kavis is Vice President & Principal Cloud Architect at Cloud Technology Pa...
Nov. 18, 2014 01:30 PM EST Reads: 1,998
Cloud Expo 2014 TV commercials will feature @ThingsExpo, which was launched in June, 2014 at New York City's Javits Center as the largest 'Internet of Things' event in the world. The next @ThingsExpo will take place November 4-6, 2014, at the Santa Clara Convention Center, in Santa Clara, California. Since its launch in 2008, Cloud Expo TV commercials have been aired and CNBC, Fox News Network, and Bloomberg TV. Please enjoy our 2014 commercial.
Nov. 13, 2014 05:00 AM EST Reads: 3,538


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The Note's Must-Reads are a round-up of today's political headlines and stories from ABC News and the top U.S. newspapers. Posted Monday through Friday right here at www.abcnews.com
Compiled by ABC News Digital News Associates and Desk Assistants Jayce Henderson, Claudia Morales, Jacqueline Fernandez and Carrie Halperin
ABC News' John R. Parkinson: "House Panel to Hold Two-Day Hearing on Egypt & Lebanon Next Week" House Committee on Foreign Affairs Chairwoman Ileana Ros-Lehtinen announced Wednesday night that next week the panel will hold a two-day hearing on the continuing crisis in Egypt and also the lesser publicized trouble in Lebanon after Prime Minister Saad Hariri's government was replaced by a new Hezbollah-controlled coalition. LINK
The Washington Post's Karen DeYoung: "As crisis deepens in Egypt, U.S. 'can't dictate events'" The Obama administration faced a rapidly deteriorating situation in Egypt on Wednesday, with few good options to influence the course of events. LINK
The Los Angeles Times' Timothy M. Phelps, Ned Parker and Amro Hassan: "Death toll grows in Egypt protests" Anti-government protesters kept a grim grip on the square at the center of efforts to oust Egypt's president at dawn Thursday, after a day of battles marked by horse- and camelback charges, rhythmic banging of makeshift shields and the glow of firebombs hurled in the dark. LINK
The New York Times' Anthony Shadid: "Arab World Faces Its Uncertain Future" The future of the Arab world, perched between revolt and the contempt of a crumbling order, was fought for in the streets of downtown Cairo on Wednesday. LINK
The New York Times' David D. Kirkpatrick and Kareem Fahim: "Mubarak's Allies and Foes Clash in Egypt" President Hosni Mubarak struck back at his opponents on Wednesday, unleashing waves of his supporters armed with clubs, rocks, knives and firebombs in a concerted assault on thousands of antigovernment protesters in Tahrir Square calling for an end to his authoritarian rule. LINK
The Boston Globe's Farah Stockman: "Critics question billions in aid routed back to US contractors" United States taxpayers have funneled more than $60 billion of aid into Egypt since President Hosni Mubarak came to power in 1981, but more than half of the money has been spent supplying weapons to the country's military, an arrangement that critics say has benefited American military contractors more than ordinary Egyptians. LINK
USA Today's Catalina Camia: "Senate fails to repeal health care law" The U.S. Senate failed to repeal the nation's health care law but gave Republicans a chance to go on record with their objections to the sweeping measure that requires all Americans to have insurance. LINK
The Hill's Julian Pecquet: "Senate rejects healthcare repeal" The Senate on Wednesday voted down a repeal of President Obama's healthcare law in a 47-51 party-line vote. The vote came two weeks to the day the Republican House voted 245-189 to repeal the law, and just days after a federal judge ruled Obama's signature legislative achievement is unconstitutional. LINK
Bloomberg's Laura Litvan: "Senate Democrats Defeat Republican Bid to Repeal Health Law" Senate Democrats defeated a Republican push to repeal the U.S. health-care overhaul in a test of their continuing support for the law amid court challenges and signs public support for it is eroding. The Democratic-controlled Senate voted 51-47 yesterday against the repeal effort in a party-line tally. LINK
ABC News' Devin Dwyer: "Republican Presidential Hopefuls Critique Obama on Egypt" Several top likely contenders for the 2012 GOP presidential nomination have emerged as leading critics of President Obama's handling of the Egyptian crisis, breaking with party leaders who have largely been supportive of the administration's approach. LINK
The Washington Time's Seth McLaughlin: "Congress to rewrite rules on emissions" Republicans and Democrats on Capitol Hill announced separate plans this week to try to block the Obama administration from unilaterally imposing limits on greenhouse gas emissions, ratcheting up pressure on Senate Majority Leader Harry Reid to hold a vote. LINK
The New York Times' John M. Broder "E.P.A. Plans New Limits on Toxic Chemicals in Drinking Water" The Obama administration said Wednesday that it would impose limits on permissible levels of a new set of toxic chemicals in drinking water, including the first standards for perchlorate, a dangerous compound found in rocket fuel and fireworks that has contaminated water supplies in 26 states. LINK
The Wall Street Journal's Arian Campo-Flores: "Florida Governor Hits Road to Sell His Budget Overhaul" Gov. Rick Scott is crisscrossing Florida this week, offering glimpses of what he says will be one of the nation's most fiscally conservative budget proposals this year. LINK
"Michael Steele and Puppet Appear on 'Daily Show'" LINK
"Barbara Mikulski on GOP: 'They Have No Ideas'" LINK
"Egypt Looms Over DC Diplomat Huddle" LINK
The Note: LINK
The Must-Reads Online: LINK
Top Line Webcast (12noon EST M-F): LINK
ABC News Politics: LINK
The Political Punch (Jake Tapper): LINK
George's Bottom Line (George Stephanopoulos): LINK
Follow ABC News on Twitter: LINK
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ABC News app on your iPhone/iPod Touch/iPad: LINK


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OK here's the deal. The
OK here's the deal. The definition of an automatic weapon is one that fires more than one round per squeeze of a trigger, I.E. both burst and fully-automatic. It doesn't matter if it's two rounds or infinite rounds. (Ever wonder why you never see burst-fire weapons in a retail store? They're Class 3 and defined as machine guns, hence the 1986 crap and NFA registration, etc.)
A machine gun is defined as any weapon which falls into the 'automatic' category, whether it is burst or fully-auto. If it fires more than one round per trigger pull, it is considered a machine gun.
These weapons are better defined by the ATF than I'm doing here. If it's more than semi-automatic, it's considered to be a machine gun. Period. That being said, the ATF does not differentiate in registration whether it is burst fire, fully automatic, or semi, burst, and full in your paperwork. All that matters is that it is A MACHINE GUN, and it is registered as such. The government has automatic and semi-automatic pretty well defined, I'll give them that.
Also, the A3 was not ever fully adopted, but used by certain units for certain missions. It is actually two different versions of the M16 that in both editions is fully-automatic. The only difference is the rail system. I'm not sure why somebody said the A4 is not automatic. It is burst fire. I carried one for a few years before I got an M4. Trust me, I know. If it has an auto sear, it's considered automatic.
The M4 IS CONSIDERED TO BE FULLY AUTOMATIC. The only difference between full auto and three round burst is the array of disconnectors in the trigger that engage the stop on the hammer. If you left the same auto sear in the same place and put in a slightly different trigger and one disconnector instead of 3, you would have a fully automatic weapon. Again, 3 round burst is considered to be fully automatic. The reason civilian ARs are not considered this way is because it takes quite a bit of work to convert a semiautomatic one to fully automatic. You have to get a different safety, trigger, disconnector, hammer, and drill out the back of the receiver so it will accept an auto sear. (Or you can get drop-ins, which are actually considered to be the machine guns and are registered as such, or lightning links, etc.)
Plus, you have to get a full-auto bolt instead of the cut-out standard semi-autos that come in almost all civilian ARs.
That being said, I wish the site would have provided a visual reference to pre v. post ban weapons to show the difference, or the lack thereof. Most people are extremely stupid and won't read anything. They need pictures to keep their attention.
You just realized that 4/6 faces on federal reserve notes all opposed a central bank.
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Tuesday, Nov 25, 2014 5:00 AM
Hip pain not only signal, that hip needs replacement
The groin is the most common location for pain from hip osteoarthritis, but other locations can be coming from the hip. … Read more »
HT Health
Tuesday, Nov 25, 2014 5:00 AM
The groin is the most common location for pain from hip osteoarthritis, but other locations can be coming from the hip. … Read more »
Monday, Nov 24, 2014 5:00 AM
Plant-based diets may have less risk than animal-based diets for proteinuria, which may lead to forms of chronic kidney disease…. Read more »
Friday, Nov 21, 2014 5:00 AM
A dedicated professional who can help make adjustments to the hearing aids certainly can help the process. … Read more »
Thursday, Nov 20, 2014 5:00 AM
The benefit of omega 3 fatty acids in preventing disease has been suggested but not proven for coronary artery disease. … Read more »
Wednesday, Nov 19, 2014 5:00 AM
Drug companies get into big trouble when they try to hide the risks of their medications…. Read more »
Tuesday, Nov 18, 2014 5:00 AM
Dysthymia is not common, but it certainly is not rare, with about 3 percent of people being diagnosed in their lifetime…. Read more »
Monday, Nov 17, 2014 5:00 AM
The toxicity of vitamin D is due to high calcium levels, which can cause confusion, nausea and vomiting, and muscle weakness…. Read more »
Friday, Nov 14, 2014 5:00 AM
The more often you self-catheterize, the more effective the technique is; however, there is no clear answer to how often you need to do it. … Read more »
Thursday, Nov 13, 2014 5:00 AM
When you see multiple opinions on a topic in medicine, it usually means there is conflicting evidence, and that certainly is the case with aspirin…. Read more »
Wednesday, Nov 12, 2014 5:00 AM
I am glad to tell you that you don't have osteoporosis. What you do have is low bone mass, or osteopenia…. Read more »
Tuesday, Nov 11, 2014 5:00 AM
Treatments for MG include medications, immunotherapies and surgical removal of the thymus in some people…. Read more »
Monday, Nov 10, 2014 5:00 AM
Physicians and nutritionists are continuing to realize how important nutrition is in chronic illness. … Read more »
Friday, Nov 7, 2014 5:00 AM
You are, and you should feel like, the most important person in the world to your physician when you are in his or her office…. Read more »
Thursday, Nov 6, 2014 5:00 AM
About 1/4 of cases of peripheral neuropathy fall into the idiopathic, or unexplained, category…. Read more »
Home Wednesday, Nov 5, 2014 5:00 AM
The diagnosis can be made by CT, MRI or a special echocardiogram done through the esophagus. … Read more »
Tuesday, Nov 4, 2014 5:00 AM
Excess cortisone can cause elevated blood sugar, but replacement doses of hydrocortisone typically do not…. Read more »
Monday, Nov 3, 2014 5:00 AM
Chelation treatment of heavy metals is appropriate only if there are symptoms and a history of exposure…. Read more »
Friday, Oct 31, 2014 5:00 AM
If the skin otherwise looks completely normal, it is very unlikely to be a cancer or infection…. Read more »
Thursday, Oct 30, 2014 5:00 AM
Lichen sclerosis is a progressive skin condition that can happen to both men and women. … Read more »
Wednesday, Oct 29, 2014 5:00 AM
The course of trigeminal neuralgia is extremely variable…. Read more »


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Houhai Holiday Hotel
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TripAdvisor Reviews Houhai Holiday Hotel Lin'an
Travel Blogs from Lin'an
Yangshou to Hangzhou
... to come out and for the first time ever were nearly together. Outside we were met by our new guide, Jack, a diminutive Chinese guy with jam-jar glasses but very good english and a cheeky sense of humour to match. Looking no more than 18, he is in fact 27, married and with a baby on the way. The car, another Buick which seem to be everywhere here, was newer than the others and we were told later that the driver has a very rich wife. The drive to the hotel took about an ...
Hanging out in Hangzhou
... took a boat ride and the guy paddled the boat really fast. I have a picture to show.
We walk a lot and take the subway. There are many people in China and a lot of buildings.
We are going to Beijing to see the Great Wall of China tomorrow.
Super Sam and Matthew
Hanging Out in Hangzhou
... 5 to 10 times the legitimate amount for cab fare. Luckily we read ahead and knew to expect them. Incidently, the cab fare from station to hostel was 11rmb (about 2 dollars). We experienced something similiar in shanghai. Wanting to treat Sam to a little stuffed panda bear we found them in old-town Shanghai. One vendor wanted 10rmb and another vendor (no more than a block away) wanted 100rmb. Great lesson I suppose.
Although ...
Mid-Autumn Festival.
... After some hesitation Becky convinced a couple of us to take a lift with this guy in his ****** old car. Standard. It didn't have any seatbelts and the man was a terrible driver. At one point he took a corner so fast the door of the front passenger seat where Becky was sitting, flung open! I kind of found it funny but Becky was terrified! And the cheeky guy driving accused Becky of opening the door on purpose! Crazy! After that ...
Xiaoshan, Hangzhou
... was more of a dessert than a drink, nevertheless it was delicious, coffee blended with chocolate ice-cream, and nuts with whipped cream on top. Delicious! After we went to hang out with some of Becky's friends at their apartment in Rainbow City. It was fun, just chilling with a few drinks. Unfortunatly the police were called so we ended the evening ...


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If you have ever thought about taking an online class, we've got great news for you! Starting in the summer 2013 semester, Marian's Adult Programs (MAP) will be offering more online classes. Currently MAP offers online science, psychology, statistics, and theology classes in an eight-week format.
Starting in Term 8, MAP adds ENG 239 Professional Writing, and in Term 9, ART 139 Art Appreciation will be available online in a five-week format. The five-week online classes will be taught using Canvas, a learning management system, and are ideal for adult students with busy schedules.
Registration is now open for all summer classes, online and classroom-based. Contact your advisor to enroll today.
Library Closed: Thanksgiving Recess
Nov 29
All Residences Halls Open at Noon
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MAP Term 2/Session 1 Tuition Due
May 2015 graduation candidates, last day to file application
Dec 01
PEP Talk: Christian Perspectives in Medical Ethics
Dec 02


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WOHP's Alone Time w/ Kids
Find a Conversation
|Tue, 04-27-2010 - 9:55am
The board is slow, so I'm going to throw something out.
|Tue, 04-27-2010 - 1:20pm
I'm a planner as well....not to mention that my kids tend to plan things as well on days off of school with their friends.
|Tue, 04-27-2010 - 1:25pm
|Tue, 04-27-2010 - 1:39pm
"If you remove the sports/activities from the wohp time, the parent at home with the holidays/vacations/sick days and so forth....when then would the wohp find time?"
Why would they have to find time? They would have the same time off work that they would if they were doing sports events with their children. If the childrens sports/activities are done while they are at work then they can do other things with them when they are not at work.
|Tue, 04-27-2010 - 2:05pm
|Tue, 04-27-2010 - 2:07pm
First, let me state that I don't think "alone time" is some panacea or ultimate goal.
|Tue, 04-27-2010 - 2:48pm
|Tue, 04-27-2010 - 3:09pm
Is this supposed to be related to the parent not knowing when their spouse is going to work and when they're planning to hang out at home?