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Sizing Up the Big Question: How Much Money Do You Need To Retire?

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This is the year you figure out your number. Right? It’s not as difficult as it may seem. Yet by some estimates fewer than half of Americans have ever tried to divine how much money they will need in the bank in order to retire comfortably.

That’s crazy. The public and private pension systems are cracked, and in fiscal cliff negotiations even Democrats have seemed willing to curb future inflation-based increases to Social Security benefits. Your retirement is your business alone. You should try to understand what you will need.

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Now is a good time to work it out. Americans are beginning to feel more confident about the economy even though 4th quarter growth was disappointing after solid growth in the 3rd quarter.  In general, they have also gotten more realistic about future investment returns in this low-rate environment, and many are more committed than ever to tending to their financial future. A record 46% of adults made New Year financial resolutions, according to an annual Fidelity Investments survey. A record 62% say they stuck to their New Year financial resolutions last year.

In general, individuals say they want to save more, spend less, and pay off debt. All good. But while setting specific near-term goals in these areas, why not take a moment to consider the big prize that, consciously or not, each of these measures is designed to facilitate: hitting your number.

“It’s important to know your nut,” says Lule Demmissie, managing director of retirement at TD Ameritrade. Obsessing over a big number can be paralyzing, she concedes. “So just think of it as a starting point,” she adds. “What’s important is that you make progress toward it every year.”

Calculating a Comfortable Retirement

To help guide you to your number, financial firms have devised income and actuarial models that come up with a target multiple of your final year’s salary. Benefits consultant Aon Hewitt says that by age 65 an average full-career worker needs to have banked 11 times annual pay. That means a household earning $75,000 a year would need to have saved $825,000. Work to age 67 and the multiple drops to 9.4 ($705,000); retire at age 62 and the multiple rises to 13.5 ($1 million).

The fund company T. Rowe Price advises a multiple of 12 times final pay, while Fidelity calculates that a multiple of eight times pay will do the trick. All the firms use slightly different assumptions. But you can see that they are in the same ballpark and, more importantly, that it’s a big park.

Looking at it another way, BTN Research estimates that, assuming 5% average annual investment returns, for every $1,000 of monthly income you want over a 30-year retirement, you need $269,000 in the bank. Let’s consider that same household making $75,000 a year. To replace the commonly recommended 80% of income in retirement — or $60,000 in this case — the household would need $5,000 a month. In this calculation, this household’s number is $1.35 million, or 18 times final pay. A higher investment return would bring the numbers down.

Finally, there is the approach that Dallas Salisbury, president of the Employee Benefit Research Institute offers: You need 33 times what you expect to spend in your first year of retirement—after subtracting Social Security benefits. Let’s take that same household, which spends every penny of its $60,000 income in retirement. Say this household collects $20,000 a year in Social Security. That leaves it spending $40,000 from other sources. So this household still needs a nest egg of $1.32 million, or just shy of 18 times final pay.

Don’t be discouraged. These are just estimates. A household with two good traditional pensions plus Social Security, and zero savings, might be in fine shape while a household with $1 million in the bank and no guaranteed lifetime income ends up struggling. That’s why your spending–not your savings–may be the most important part of the equation.

Basing your number on final pay has another flaw. What if you are frugal and live on far less than you earn? The household that earns $75,000 a year but saves 20% and thus spends only $60,000 need not squirrel away as much as a household earning $60,000 a year but which through credit spends $75,000. The latter household, by the way, is headed for real trouble — and, sadly, this situation is not uncommon.

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What you spend determines your nest egg needs. “In retirement, the key is to make sure your burn is less than your earn,” says John Sweeney, executive vice president of planning and advisory services at Fidelity. Everyone’s situation is different, which is why you need to think through your own case.

An array of online calculators can help you sort this out. Some key considerations:

  • Life expectancy The Society of Actuaries estimates that for a married 65-year-old couple, there is a 45% chance of one person reaching 90 and a 20% chance one will reach 95. Plan for a long life.
  • Medical costs EBRI estimates that a 65-year-old couple in 2019 that does not have any employer-provided health benefits will need $450,000 to have a 50% chance of funding health care expenses not covered by Medicare. Even with employer benefits, there is a 50% chance that out-of-pocket expenses will reach $268,000. Plan for this big expense.
  • Inflation Over 30 years, expect inflation to cut your spending power in half. You would need nearly $12,000 today to match the spending power of $5,000 in 1982.
  • Investment style You may never reach your number if you hide from stocks. Bond yields and short-term interest rates are so low that, adjusted for inflation, you may get little or no growth for years.
  • Savings rate A good rule of thumb is saving 15% of income each year throughout your working life. That puts you on track to replace about 85% of your final year’s salary for 30 years of retirement without worrying about some gigantic number. If you have not been saving at that rate, you may need to adjust your savings plan or your retirement expectations.

Most planners will tell you that there is no magic number, and they are right. Life has a way of throwing curveballs when you least expect them and there are so many unknowables like how long you will live and what the markets will do that you need to reassess your plan often as you approach retirement—while you still have time to change your savings patterns and choose to work longer if you must.

So what can you do now?

Start with a list of all your monthly expenses. Go through it looking for areas that you can or will reduce in retirement. Now consider any new expenses like escalating health care costs and travel and hobbies. Identify which of these is a fixed cost and which is discretionary. You’ll need a big enough number to secure an income stream that covers all fixed costs. This is your base number, the lowest one that you should consider acceptable.

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You’ll need additional funds set aside for contingencies like a run of unusually poor investment results or unusually high inflation, and for emergencies like a new furnace or roof.  On top of that you’ll need a pool to support your discretionary expenses.

Social Security and a traditional pension may cover your base needs and possibly leave you prepared for contingencies, too. If so, you’re number will be based entirely on discretionary spending including what you plan to leave to heirs, an enviable financial situation. To cover fixed costs, you may need to purchase an immediate fixed annuity if other lifetime income sources are insufficient. Another option is to draw down your portfolio by no more than 4% a year, a strategy that should give you steady income for 30 years. Your number is your business. You might as well know what it is.


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Ryan Stewman – Break Free Academy Digital 2016
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Cox Matthew Attorney

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Cox Matthew Attorney can be found at Euclid Ave 925. The following is offered: Law Firms. The entry is present with us since Sep 8, 2010 and was last updated on Nov 14, 2013. In Cleveland there are 1015 other Law Firms. An overview can be found here.

Matthew Cox Attorney was founded in 2007, and is located at 925 Euclid Ave in Cleveland.

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Good-n-Tuff did an excellent job on my pavers. Would hire them again.

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I have never seen better work! I just moved into my new house, and our front and back yard was a mess. Good-n-Tuff Lawn & Landscaping made m...

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Sweet Factory

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Welcome to the Blog for Busy Moms!
This blog is the home of THE MAMALUTION! Calling all moms, grandmoms, sisters & aunts to tap into their instinctual & intuitive wisdom to save the day! It is time for our collective voice to be heard.

Monday, April 7, 2008

Simple Celebrations

My second oldest daughter, Malaika, turns twelve today. It’s amazing how our kids represent so many aspects of our selves. They serve as mirrors to the inside of our souls challenging us to step up and better ourselves and the world. They inspire, motivate and teach us how to live lives of integrity.

Children are born with instinct intact, yet from the moment of birth these precious beings are set up to stray away from that truth. How do we keep alive the spirit and natural intuition of our children? How do we keep sacred the intrinsic beauty of each child with their own distinct personalities?

How do we protect both their fragile and fierce natures – setting boundaries while encouraging them to fly? How do we maintain an open honest connection with our children as they grow older and try to find their way in the world?

Take the impact consumerism has on our children for example. The result of a century of manipulative marketing tactics has influenced every aspect of our lives from the way we give birth, to the food we eat, our health care system and the education of our children.

Big Business funds our schools in order to influence the minds of our children at younger and younger ages. Latest marketing schemes target younger audiences in order to secure consumers for life. Tween markets have been strategically designed to target the largest growing consumer niche – kids....a tactic intended to alienate parents from their children.

Corporate America has infiltrated and controls the very government agencies that have been formed to protect us to ensure their success. The FDA, EPA, CIA, IRS and FAA no longer serve to protect the people, rather they are used as a tool to advance their continued quarterly profits. As consumers we must realize that our dollars speak and use our vote wisely every time we buy something.

The only way to bring Corporate America to a halt is by changing the rate at which we consume. Americans make up about 4% of the world’s population yet produce 25% of the world’s carbon emissions, 6 times the global average. Our emissions come not only from the vehicles we drive but also indirect emissions from the products we buy. Virtually everything we consume impacts our climate.

It is time to begin thinking about the impact all of the stuff we consume has on the planet. We can begin making significant changes by buying local, supporting farmers markets, buying whole foods, bulk foods, organic non-gmo foods. We can prepare our own foods and eat dinner with our families at home. We can stop using plastic water bottles and plastic bags and use reusable ones instead. We can stop spraying pesticides on our lawns.

We can take back the rituals of humanity by having our babies at home and allowing our loved ones to die at home. We can buy clean renewable energy and buy appliances that are energy efficient. We can buy toxic-free cleaners or better yet make our own. We can buy organic sweat shop free clothing and recycled paper products.

We can find ways to be with our children that don't require that we buy something. We can bring a sense of balance back into our family by reclaiming the pieces that have been taken away by consumerism.

I spent the day with my daughter in our cafe kitchen; I making raw food and she baking the vegan cupcakes that we sell. She has positioned herself as an integral part of our operations in her drive to perfect baking and would have no one other than herself make her own birthday cake!

Happy Birth Day Malaika. May you always let your heart continue to lead your way in your quest for truth and justice. May you grow stronger and wiser as you blaze paths with your fiery spirit for others to follow. I love you with all my heart.

Paula said...

Happy Birthday Malaika! Happy birth giving day Imani!

Imani said...

Thanks Paula! We are going to Cirque Du Soleil tomorrow to celebrate! We are so excited!


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Port Charlotte Bank Owned Foreclosed Homes

Port Charlotte Bank Owned Foreclosed Homes – 2177 Como St

Property address
2177 Como St
Port Charlotte
FL 33948
Listing Detail
Asking Price$34,900.00
Listing Type REO / Bank Owned
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44.7% Savings
  Call For More Information (941) 249-2366
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Property Features
Bed Rooms3
Bath Rooms2
Squre Feet988
Year Built1981
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Sale Date12/01/1982
Tax Information
Taxable Value$74,528
Additional Notes
 this 3 bedroom 2 bathroom port charlotte home is in a great neighborhood! built in 1981, this property has 988 square feet of living area. this is a homepath renovation financing property and requires no appraisal and no mi mortgage insurance! more information has been left at the home for your benefit and see attached in mls. purchase this property for as little as 3 percent down! close by june 30, 2011 and request up to 3.5% of the final sales price for closing cost assistance! ask about additional details. eligibility restrictions apply.


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An Afternoon in Agaete and Puerto de las Nieves on Gran Canaria

Puerto de Las Nieves on Gran Canaria is a bit of a strange fish. The Fred Olsen ferry linking the island with neighbour, and rival, Tenerife docks at the small fishing village. But most passengers just keep on going, heading to a destination that isn’t Puerto de Las Nieves.

As a result, its restaurants are still frequented predominantly by Gran Canaria locals who know it as a good place to go for a seafood meal.

Puerto de Las Nieves and its big brother, Agaete (with which it is almost joined at the hip) are quite quirky little places that deserve more than a passing glance from the car window.

Dedo de Dios, Gran Canaria

Puerto de Las Nieves
The surreal alarm bells went off as we descended from on high, on the last leg of our walk across Gran Canaria, to emerge at La Palmita and a small park whose bright sculptures were nearly as big as the park itself.

Next up was a rather effeminate looking character in his underpants, dancing his way towards the coast. This one was a monument to a local dancer and choreographer.

Just to reinforce the suspicion that Puerto de Las Nieves was no run of the mill Canarian fishing village, our route to the end of the road at Playa de Las Nieves was temporarily blocked by a gleaming white stretch limousine. Not exactly the sort of vehicle you expect to find on streets that a SEAT 600 may struggle to negotiate.

Wedding on the Beach

The ‘out of place’ visuals were continued by the glitzy occupants of the limo who were on the beach, in full wedding gear, gazing lovingly into each other’s eyes with the famous Dedo de Dios (God’s Finger) as a backdrop for their special moment. At least it would have been the backdrop had the finger not been snapped off during Tropical Storm Delta a few years ago. It was a scene straight out of a cheesy South American soap opera.

We’d just completed a long walk and were ravenous to the point of derangement – a state that wasn’t helped by the distinctive aroma of freshly fried fish that wrapped us in a tantalising shroud. The South American wedding crew had commandeered the Dedo de Dios restaurant so, after a quick perusal of menus, we opted for Restaurant Las Nasas.

Restaurant Las Nasas (Calle Nuestra Señora de las Nieves, Tel +34 902 898 650)

Garlic Prawns at Restaurant Las Nasas, Puerto de Las Nieves, Gran Canaria
It’s a bit of a travel cliché to talk about restaurants being good because they’re filled with locals, but the small terrace overlooking the port at Las Nasas was packed with a mix of stylishly dressed locals and blokes who looked as though they just stepped off their fishing boats. The food clearly appealed to ‘locals’ from a variety of backgrounds rather than those just looking for cheap eats – even though in this case the prices were pretty good. A bowl of creamy smooth gofio escaldado (a fishy paste made from toasted cereal – gofio), a sizzling pan of gambas al ajillo (garlic prawns) and a leggy fried octopus drizzled with cilantro sauce set us back less than €20.

With a couple of glasses of chilled white wine it was the perfect lunch for setting us up for our walk back to our base at Las Longueras.

Dia de la Cruz, Agaete
Puerto de Las Nieves morphs into Agaete and before you know it you’ve left one village and have entered another. Agaete has an attractive little centre with the Iglesia de la Concepción lording it proudly over a pretty little square which also has one of those seriously authentic Canarian bars with multiple tall thin doors providing a choice of entrances – almost more doors than there are seats inside.

The centre of town was further prettified by being decorated by a posse of colourful crosses that had been constructed from everything from flowers to discarded paper to fishing nets. It was the Día de la Cruz (Day of the Cross which is celebrated across the Canary Islands on 3 May). Apart from us, there were only a handful of locals to view them… and they spent more time watching us with barely concealed amusement as we photographed the crosses from every angle.

Monument to Francusco Armas Merino, Agaete, Gran Canaria

Unfortunately we didn’t have time to check out the Huerto de las Flores (flower gardens). We left Agaete after pondering whether a Lincoln-esque statue of Francisco de Armas in the plaza of the same name was supposed to be headless or not (the answer is not), passing a  sign advertising local coffee – not something you’ll find anywhere else in Europe. Another curio.

And just as we thought we’d left all the little oddities behind, the Agaete Valley had one last whim to share with us.

Cactus Ashtray, Agaete, Gran Canaria

Jack is co-owner, writer and photographer for BuzzTrips and the Real Tenerife series of travel websites as well as a contributor to lots of other places. Follow Jack on Google+

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Tuesday, August 16, 2016

Grandmas and Eggs

I used an expression a few days ago, that something was like teaching one’s grandmother how to such eggs. The expression means that the advice being given is so basic, or that the subject is already so well known to the person being spoken to, that they must already know it quite well. There is also the meaning that someone young should not offer basic advice to someone who is older and more experienced.

It touched off a discussion with my wife and son as to whether grandmothers suck eggs, how the expression originated, and a request for a Bytes on the subject.

Some comments:

The Oxford English Dictionary suggest that it comes from a translation in 1707, by J. Stevens, of Francisco de Quevedo (Spanish author):
"You would have me teach my Grandame to suck Eggs."
Henry Fielding used the expression in his 1749 book “The History of Tom Jones, a Foundling”:
“I remember my old schoolmaster, who was a prodigious great scholar, used often to say, Polly Matete cry Town is my daskalon. The English of which, he told us, was, That a child may sometimes teach his grandmother to suck eggs”
Percy Bysshe Shelley, in a letter to Leigh Hunt, dated 15 August 1819, wrote:
“But what am I about? If my grandmother sucks eggs, was it I who taught her?”
As to why “suck eggs”, something grandmothers don'tr do any more, here is an explanation by a contributor to Wordwizard:
Perhaps its meaning is getting lost in time as few people nowadays literally suck eggs. Many years ago people would suck out the egg contents by piercing the egg at both ends and then sucking on one of the ends. You could reverse the procedure and blow out the contents also. It was such a commonplace procedure then that to "teach your grandmother to suck eggs" was like a child trying to teach as new something the grandmother well knew how to do. The saying still survives despite the fine art dying out in our "civilized" and salmonella fearing culture.

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Thursday, April 30, 2015

Quote for the day

Bonus item:

Milwaukee, where Happy Days was set, has an awful statue of Arthur “The Fonz” Fonzarelli displayed on its River Walk. Milwaukee is where the show was set. The statue is called the Bronze Fonz and was created with the aim of boosting tourism.

Actor Henry Winkler helps unveil the bronze statue of Fonzie in downtown Milwaukee in August 2008

Some other awful, and not so awful, celebrity statues . . .

Kurt Cobain statue in his home town of Aberdeen, Washington:

It has been called The Crying Jesus.

Remember that TV program Land of the Giants? Palm Springs has a Marilyn Monroe statue that could have come from that show. Have your photo tastefully taken between Marilyn’s legs, underneath her knickers. The candle burned out long before the legend ever did.

This will give an idea of scale.

Mary Tyler Moore as Mary Richards from The Mary Tyler Moore Show has a statue in Minneapolis . . .

 and Jackie Gleason as Ralph Kramden from The Honeymooners has one in front of Manhattan's midtown Port Authority Bus Terminal

Elvis in Nashville

Arnie at the unveiling of his statue.

Where’s Bruce Willis?

John Lennon in Liverpool

and another in Liverpool.

John lennon in Cuba

. . .and one of the absolute worst, Michael Jackson in Manchester:

Tuesday, April 28, 2015

Quote for the day

"You’ve got to exchange the populations of Holland and Ireland. Then the Dutch will turn Ireland into a beautiful garden and the Irish will forget to mend the dikes and will all be drowned."

- Prince Otto von Bismarck-Schoenhausen, 1815-1898
[Otto von Bismarck]
German Chancellor

* * * * * * * * * * *
The Irish Question was a phrase used mainly by members of the British ruling classes from the early 19th century until the 1920s. It was used to describe Irish nationalism and the calls for Irish independence.

Bismarck is said to have proposed the above solution as a means of dealing with the Irish Question. The idea was that with their industriousness, sobriety, and civic virtue, the Dutch would soon have Ireland thriving. The Irish, meanwhile, would be so busy drinking and fighting, they would neglect the dikes. The sea would rush in and they would all drown.

The following was sent to me by Peter B.

There is some good advice contained within it, no matter what age we are . . .

* * * * * * * *
Time has a way of moving quickly and catching you unaware of the passing years. It seems just yesterday when I was young, just married and embarking on a new life with my mate. Yet, in a way, it seems like eons ago, and I wonder where all the years went.
I know I lived them all. I have photos and glimpses of how it was back then and of all my hopes and dreams.
But here it is, the winter of my life -- and it catches me by surprise. My mate is gone. How did I get here so quickly? Where did the years go and where did my youth go?
I remember seeing older people through the years and thinking they were years from me. Winter was so far off, I could not fathom or imagine fully what it would be like.
But, here it is. My friends are retired and gray. They move more slowly. I see old people now. Some are in better and some are in worse shape than I, but I see the great change. They are not the people I remember as young and vibrant, but they are like I: Their age is beginning to show and we are now those old folks we used to see and never thought we'd be.
Now I find that just taking a shower is a real target for the day. And taking a nap is not a treat anymore -- it's mandatory because if I don't do it of my own free will, I just fall asleep where I sit!
And so, I'm in this final season of my life, unprepared for all of the aches and pains, the loss of strength and the ability to go and do things I wish I had done but never did. At least I know that though winter has come, and I'm not sure how long it will last, when it's over on this earth, it's over.
Yes, I have regrets. There are things I wish I hadn't done. Things I wish I had done. Yet, indeed, there are many things I'm happy to have done. It's all part of life.
So, if you're not in your winter yet, let me warn you, it will be here quicker than you think.
Whatever you would like to accomplish in your life, please do it soon. Don't put things off too long. Life goes by so quickly.
Do what you can today, because you can never be certain that you'll see winter. You have no promise that you will live all the seasons of your life.
So live for today and say all of the things you want your loved ones to remember and hope they appreciate it and love you for all the things you have done for them in the years past.
Life is a gift to you. The way you live your life is your gift to those who come after. Make it a fantastic one. Live it well! Enjoy today! Do something fun! Be happy! Have a great day every day!

Monday, April 27, 2015

Quote for the day

"The man who is denied the opportunity of taking decisions of importance begins to regard as important the decisions he is allowed to take."

- C Northcote Parkinson (1909 - 1993)

Everything I know of life I learned from . . .

. . . Beatles' lyrics (Part 1)

* * * * * * * * * *


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Developing apps for smartphones and tablets looks straightforward.  After all, if >1M apps on Android and iOS can appear in less than 4 years, even if mainly sourced from small developers, how can this be difficult?  Larger enterprises should not be deceived.  It is all too easy to underestimate the sophistication required, especially when all... (read more)

The first Mobile Enterprise Business Error (Unintended) involved Banco Santander in Spain  The second comes from an executive of a company asked to help prevent what was about to happen.  This it involved a bank which realized, just in time, that what it wished to do with its proposed iOS app would give Apple unintended... (read more)

There are over 1.5B people globally who do not have access to electricity.  A large proportion live in sub-Saharan Africa. Eight19 is a Cambridge, UK company which has creatively combined solar panel electricity generation with LED lights, USB charging and a mobile technology-based payments system to create a solution that can save a family 40%... (read more)

The increasing acceptance of BYOD (Buy or Bring Your Own Device) is forcing change on enterprises and on how they adapt to smart devices (including smartphones, tablets and laptops).  Constellation has already reported (Note 1) on how smart device responsibility may leave IT for better suited departments like HR or Finance. The EU is doing... (read more)


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Lauren Conrad ‘beyond thrilled’ over engagement

You can expect to see “lots more wedding content” on, according to the 27-year-old fashion designer, author and blogger: she’s engaged to her boyfriend of almost two years, William Tell.

Lauren's 33-year-old beau, a former musician and current USC law school student, proposed this past weekend with a 2 carat round-cut diamond. She broke the news via Instagram, flashing her new bauble in a photo captioned ‘Best surprise ever.’

The former Hills star told Allure magazine last year that she met her fiancé on a setup. “I did not go with high hopes, though." she said. "What was nice about us is we both went in with preconceptions, but they were quickly broken."

The best-selling author gushed that she is “beyond thrilled” and thanked fans, saying, "William and I are overwhelmed by all of your warm wishes. Thank you so much for sharing in this special moment :-)."

The wedding date is yet to be determined, but one thing is for sure: the event is going to be one of Hollywood’s most stylish.

HELLO! Canada magazine is available for your tablet and smartphone. Get HELLO! Canada, PEOPLE, Vanity Fair and over 100 more of the world’s best magazines for one low monthly price at Texture by Next Issue. CLICK HERE to sign up for a free trial.


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March 26, 2013 / 12:32 PM / 5 years ago

CANADA STOCKS-TSX may open higher, though concerns about Cyprus weigh

March 26 (Reuters) - Canadian stock index futures pointed to a higher open on Tuesday, supported by some investors taking advantage of a recent drop in prices, though concerns that the Cyprus rescue deal could be used as a template to restructure other euro zone banking problems could put a lid on gains.

* Banks in Cyprus will remain closed until Thursday, and even then subject to capital controls to prevent a run on deposits, after a European Union bailout that the country’s president assured his people was in their best interests.

* Richard Fisher, President of the Dallas Federal Reserve, repeated his call for the U.S. central bank to slightly reduce its bond purchasing program.

* Two of the most prominent U.S. investors could upset Michael Dell’s $24.4 billion buyout bid for Dell Inc, after billionaire Carl Icahn opened the door to an alliance with Blackstone Group LP to wrest control of the computer maker from its founder.

* SBM Offshore SBMO.AS and its partners have won a $3.5 billion contract from Brazilian oil company Petrobras (PBR) to build two oil platforms, the Dutch maritime services firm said.

* Japanese companies have sharply curtailed overseas acquisitions in the first three months of 2013 in a sign the recent slide in the yen could be taking some of the steam out of a record boom in outbound deals.

* Canada stock futures traded up 0.2 percent

* U.S. stock futures , , were up around 0.17 - 0.24 percent

* European shares, were down

* Thomson Reuters-Jefferies CRB Index : 296.2452; rose 0.35 percent

* Gold futures : $1,604.6; was unchanged 0 percent

* US crude : $95.3; rose 0.52 percent

* Brent crude : $108.01; fell 0.15 percent

* LME 3-month copper : $7,647; rose 0.35 percent

* Aurizon Mines Ltd : The company said on Monday that it had suspended underground operations at its Casa Berardi gold mine in Quebec after a contractor was killed in a vehicle accident in the mine.

* Suncor Energy Inc : The oil company is expected to shelve plans for a multibillion-dollar oil sands processing plant in northern Alberta when it announces the fate of the facility in the coming days, blaming a forecast for weakening returns.

Following is a summary of research actions on Canadian companies reported by Reuters.

* Fiera Capital Corp : NBF starts with outperform, says the management has the necessary transaction experience, a track record of not overpaying and the financial capacity to pursue further growth by acquisition.

* First Quantum Minerals Ltd : Nomura cuts target price to C$26 from C$28, believes the company’s offer for Inmet Mining Corp is not likely to be completed soon and it increases the risks for the company.

* SouthGobi Resources Ltd : CIBC cuts target to C$5 from C$6 following the company’s below the expectation results in the fourth quarter.

* No major Canadian economic data is scheduled to be released

* Major U.S. events and data includes durable goods, S&P Case Shiller, consumer confidence, new home sales, building permits, Richmond Fed manufacturing and Dallas Fed services activity

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Cloud Expo on Google News

2008 West
Data Direct
SOA, WOA and Cloud Computing: The New Frontier for Data Services
Red Hat
The Opening of Virtualization
User Environment Management – The Third Layer of the Desktop
Cloud Computing for Business Agility
CMIS: A Multi-Vendor Proposal for a Service-Based Content Management Interoperability Standard
Freedom OSS
Practical SOA” Max Yankelevich
Architecting an Enterprise Service Router (ESR) – A Cost-Effective Way to Scale SOA Across the Enterprise
Return on Assests: Bringing Visibility to your SOA Strategy
Managing Hybrid Endpoint Environments
Game-Changing Technology for Enterprise Clouds and Applications
Click For 2008 West
Event Webcasts

2008 West
Get ‘Rich’ Quick: Rapid Prototyping for RIA with ZERO Server Code
Keynote Systems
Designing for and Managing Performance in the New Frontier of Rich Internet Applications
How Can AJAX Improve Homeland Security?
Beyond Widgets: What a RIA Platform Should Offer
REAs: Rich Enterprise Applications
Click For 2008 Event Webcasts
Brand Focus-s.Oliver

LONDON, UNITED KINGDOM -- (Marketwire) -- 11/20/12 -- UK plus size clothing brand Curvissa is renowned for their stylish, chic and affordable clothing that promises to suit all shapes, for all seasons. s.Oliver is one brand in particular that boasts a stunning selection of dresses that would make the perfect attire for both casual and dressy occasions.

The collection includes dresses in an extensive variety of styles and materials and there's a strong focus on nautical patterns and tones, so it makes the perfect choice if you're jetting off for some winter sun and need to update your holiday wardrobe. You'll find gorgeous tiered maxi dresses and wrap dresses that will make the perfect transition from beach to babe in no time at all.

Holidays aside, Curvissa also stocks a great range of knitted s.Oliver dresses which are simply perfect for wrapping up warm and looking hot this season. From ditzy floral prints which encapsulate a delicate, floaty look to sky blue denim dresses that would look amazing teamed with tan leather boots and black leggings - there's something to suit everyone's tastes in the s.Oliver range!

As well as offering charming, long-lasting and fashionable dresses, s.Oliver boasts a stunning selection of knitwear perfect for the winter months, as well as a great collection of trousers including tapered chinos and jeans and an unrivalled footwear range.

So what are you waiting for? It's time your wardrobe was introduced to s.Oliver!

Press contacts:
Katie Franklin
+44 (0) 161 661 4329

About Marketwired .
Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

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text:
Cloud Expo on Google News

2008 West
Data Direct
SOA, WOA and Cloud Computing: The New Frontier for Data Services
Red Hat
The Opening of Virtualization
User Environment Management – The Third Layer of the Desktop
Cloud Computing for Business Agility
CMIS: A Multi-Vendor Proposal for a Service-Based Content Management Interoperability Standard
Freedom OSS
Practical SOA” Max Yankelevich
Architecting an Enterprise Service Router (ESR) – A Cost-Effective Way to Scale SOA Across the Enterprise
Return on Assests: Bringing Visibility to your SOA Strategy
Managing Hybrid Endpoint Environments
Game-Changing Technology for Enterprise Clouds and Applications
Click For 2008 West
Event Webcasts

2008 West
Get ‘Rich’ Quick: Rapid Prototyping for RIA with ZERO Server Code
Keynote Systems
Designing for and Managing Performance in the New Frontier of Rich Internet Applications
How Can AJAX Improve Homeland Security?
Beyond Widgets: What a RIA Platform Should Offer
REAs: Rich Enterprise Applications
Click For 2008 Event Webcasts
Diamond Hill Financial Trends Fund, Inc. Announces Dividend

COLUMBUS, Ohio, Dec. 11, 2012 /PRNewswire/ -- Diamond Hill Financial Trends Fund, Inc. (NASDAQ: DHFT) announced today that the fund will pay a capital gain distribution as follows:

Short-Term Capital Gain:

Long-Term Capital Gain:

Total Distribution:

Declaration Date:

December 11, 2012

Record Date:

December 21, 2012

Payable Date:

December 28, 2012

No income dividend distribution will be made at this time.

About the Fund:
Diamond Hill Financial Trends Fund, Inc. is a diversified, closed-end fund.  The Fund seeks long-term capital appreciation by investing between 80% and 115% of its assets long and sell short between 5% and 25% of its assets in stocks of U.S. financial services companies of any size.

About Diamond Hill:
Diamond Hill provides investment management services to institutions and financial intermediaries seeking to preserve and build capital. The firm currently manages mutual funds, separate accounts and private investment funds.  For more information on Diamond Hill, visit

SOURCE Diamond Hill Financial Trends Fund, Inc.

About PR Newswire
Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

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Wednesday, February 20, 2013

Midwinter Gathering Decompression Thoughts

Two days removed from the conference, there is much still on my mind. For starters, I've rarely been to gatherings more self-consciously friendly and inclusive. Many attenders have experienced deeply hurtful forms of rejection based on sexual orientation and gender presentation. Aware of that, extra effort was made to make sure no one sat alone during meals and that newcomers were greeted warmly.

The dynamics were especially different because, as is true for many liberal Quaker gatherings and Meetings, there were more women in attendance than men. I would estimate that the split was 60/40, female versus male. This is unusual. LGBT gatherings can be top heavy with queer men, but not here. I remember how the Gay/Straight Student alliance in my college days was predominately composed of gay men.

Warmth and inclusion aside, the gathering was not without its flaws.

Certain young mothers can be obnoxious at times, convinced that they are pursuing the most perfect manner of parenting imaginable. One of them tried to put the other parents on a guilt trip for not including their children along with the adult activities. This, I have found, works better in theory than in practice.

Childcare exists for a reason. Young children fidget and usually do not easily sit still. Within minutes, they wish to roam around and explore. I don't reject the basic premise of the experiment. We hope that children will find a place among adults and, upon their return, the rest of their home Meeting.

Only the very introverted, quiet, and shy children can easily embrace our silent Worship. I, for one, hope that when it comes time for middle school and high school, our children will have the willingness to participate fully. As is true for many faith groups, adolescent rebellion combined with forming identity means that Quaker Meeting is discarded for a time, often for years.

Branching out a little more, Midwinter was enjoyable, but utterly overwhelming. Being bisexual, I've always felt caught in between two very different societal constructs. At the gathering, I could speak a different language among other native speakers. That is a part of me that I usually suppress around straight people because they don't understand it. I honestly feel indebted to both heterosexuality and homosexuality but not necessarily a part of either, if that makes sense.

It felt liberating to recognize that I'm not as much of an oddball as I have thought in times past. As I've written about from time to time, I wear elements of women's clothing in addition to men's clothing. Because of this, I'm usually paranoid about being discovered. Little did I know that my bunkmate and three other men dressed in the same manner I did.

I talked extensively to an older man with a pronounced southern accent. He sounded like and acted like my Alabama grandfather. It was a reminder of home, especially now that I am most usually among people who are not from my native region. When it came time for bed, I noticed my fast Friend wore a negligee and made no apologies for it.

It was nice not having to be overly cautious and fearful. I found commonality in ways I'd never expected or even anticipated. Still, the parallel universe in which I was a part began to drain me by the end of each day. I was stretched in unimaginable ways. But I will take back quite a bit with me. I already have.

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Waking up to food waste

It looks like we are beginning to wake up to the issue of food waste. We are being told that if we are going to feed the world we will need to double food production with all the stress on planetary resources that that will bring (land use, soil depletion, energy inputs, water, etc) and yet we have too often been ignoring the fact that between 30% and 45% of the food produced never reaches us, it is “wasted”.

So it is great to read that supermarkets and other retailers are starting to tackle this issue, for example the Coop have just signed a deal with FairShare. This is great news but so much more could be done and what would be even better would be if we could change our whole attitude towards food production and retailing so that there was less “wastage” in the first place.

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Also finde Calibrated at

Short on Calibrated

Calibrated is a label under CC Music distributed by DME – Danish Music and Entertainment.

Jazz in all subgenres is released on this label. You will find a variety of contemporary, electronic, brass, swing and what not… as long as the music is outstanding, it’s good enough for Calibrated!

Contact Calibrated Music

Vesterbrogade 95H
1620 Copenhagen V

VAT.NO. DK34052190

Phone: +45 40 96 76 66
Email: info(a)

Mads Mathias

  • Mads Mathias

MADS MATHIAS – FREE FALLING – CALI125 - 5706725101255

The charismatic and talented singer and songwriter Mads Mathias is predicted to be the new star on the international jazz sky in the same league as Harry Connick Jr, Jamie Cullum and Michael Bublé with a twist of Don Draper!
“Mads Mathias is simply a superb singer,” writes one reviewer and recently he won the prestigious “Honorable Mention Award” at one of the world’s largest international songwriting competitions for the song “Fool For Love”.

Mads Mathias grew up partly in Tanzania and Denmark – in a home with 34 instruments that were explored since infancy. The main instrument is now the voice and saxophone, but also piano and trumpet can be heard on the debut album.
In recent years, Mads Mathias has worked on his first solo album “Free Falling” – a vocal album, that has received great expectations from several sides, and where the aim was to uncompromisingly create the dream record.

The material is written by Mads Mathias himself and besides that he both sings, plays saxophones, piano and trumpet, over 25 musicians contributes to this record, as there are both big band, strings, choir and various guest features.

The new star manages to convey atmosphere, love of the music and lots of humor, while the vocals sneak in on the listener and serves up personality and originality, but with deep respect for the immortal crooner tradition.

1. Fool for Love
2. Favourite Kind of Girl
3. Don’t Look at Me
4. What Is Time
5. Free Falling
6. Do Do
7. Sugar
8. Trust Me I’m Sure
9. Smoking Gun
10. Man in the Moon
11. Colorblind

Mads Mathias (voc, ts, p) + ork. (Christina VonBülow, Jan Harbeck, Jesper Løvdal, Peter Rosendal, Morten Lund, Dan Hemmer, Michael Blicher, Morten Ærø, Morten Ankerfeldt, ”Nulle”, Peter Marott m.fl.).

Quotes from various European media

“A contemporary crooner is found!”

“Mads Mathias sings simply outstanding!”

“Soft, delicious and with a little crisp crunch that puts the icing on the cake.”

“A new male jazz singer, who is guaranteed a future star – not just on the Danish jazz
scenes, but in the whole world.”

“Mads Mathias’ pleasant hoarse vocals manages to convey atmosphere, love of music and lots of humor … a wonderful and charming singer.”

“Mads Mathias vocals sneak in on the listener and serves up originality, but with deep respect for tradition.”

“The singer Mads Mathias voice attaches itself credibly to the fine crooner tradition.”

About Mads Mathias

As a 17 year old Mads Mathias suffered a car accident where he injured his hand and lost 3 fingers. He had at that time been playing saxophone for 6 years and had the prospect of a career in music. He dared not believe he came to play again. Since there were a few gigs already booked, he began to sing instead. After rehabilitation, he began playing again and is today both saxophonist, singer and pianist, a part of the Danish music scene, both as a touring musician with bands like Thomas Buttenschøn and Alphabeat and with his own band Six City Stompers.

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Phone: +45 40 96 76 66
Email: info(a)

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What to Wear to Prom 2016

The Prom and Leavers Ball season is up and coming so I have decided to share some of my favourite dresses that you could wear for your prom this year! Dresses range from short dresses to maxi dress, petite dresses to curve dresses and there are some dresses for you taller people in their too!

Please take a look below and if you like any of the dresses and want to know more about them, like their price or where they are from, then just click on it!

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Women's SCVAC: Match Four

Our fourth match was on what was then the hottest day of the year at Dartford. Fortunately the temperature was a little cooler by the time we competed and conditions were obviously good as there were 4 PBs!

2000m walk Rose from 13:24.09 to 12:37:7.

Javelin Emily Gelder from 19.43 to 19.88.

200m Rose from 41.5 to 39.3.

Shot Jenny Agyepong from  7.47  to 7.99.

Again we had to make some last minute changes, but we are used to that and everyone is always willing to do whatever they can to get those points. Cara Oliver ran very well despite feeling unwell, originally was just going to cover the 200m but true to having a strong team spirit she stayed the course and also did both the 1500m and the shot putt.

The first 2 track events were the same as at the Ashford meeting - 200m and 1500m. All the sprints were run by people who would probably consider themselves middle distance runners. In the W35 200m Emily was 3rd in the A string race and Cara 4th in the B. Our athlete in the W50 race was Rose Baker, who came 4th. Ros Tabor came 2nd in the W60. In the W35 1500m Cara was running as the B string runner, but despite feeling unwell ended up 2nd in the A string race, beating Emily who won the B string. Ros was 2nd in the W50 race. The final track race was the 2k walk. Rose is definitely picking up the technique – she came 2nd W35. Maria MacDonald was 4th in the W50s.

The field events this time were javelin, shot putt and pole vault. Chris Bond did javelin and pole vault at the same time, managing to remember which stick she chucked and which she held onto! She was 2nd in the W50 pole vault and 3rd in the W50 javelin. In the shot putt Cara was 5th in the W35 competition and Jenny, supported by her daughter Chloe, was 2nd in the W50s. In the javelin Emily was 2nd in the W35 competition.

Chris described the night correctly as ‘lovely’. We were 3rd in the match, and remain in 4th position overall, although we have more individual points than the team above us (Blackheath and Bromley).

The next match in on Friday 7 July at Erith.

Full results are on the SCVAC website.


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111 Wolcott St.
P.O. Box 37
Le Roy, NY 14482
Phone: (585) 768-6800
Fax: (585) 768-7072
Charon Szenas
Memorial Candle Tribute From
Cameron Funeral Homes, LLC
"We are pleased to provide this Book of Memories to the family."
View full message >>>

General Information

Full Name Charon E. "aka Sharon" Szenas (Richardson)
Date of Birth
Friday, December 1st, 1939
Date of Death
Sunday, May 14th, 2017
Place of Death
Rochester, NY

Service Information

Service Extra Info
No Service

Interment Information

Interment Extra Info
Private, Gulf of Mexico

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Canadian Cyclist

February 21/04 12:40 pm - Haut Var, Congratulations, Toronto Spin Class

Posted by Editor on 02/21/04

Tour du Haut Var - France

1 Marc Lotz (Ned) Rabobank
2 Dimitry Fofonov (Kaz) Cofidis, le credit par Telephone
3 Stijn Devolder (Bel) US Postal Service
4 Frederic Bessy (Fra) Cofidis, le credit par Telephone
5 Levi Leipheimer (USA) Rabobank
6 Davide Rebellin (Ita) Gerolsteiner
7 Mirko Celestino (Ita) Saeco
8 Bram Tankink (Ned) Quick.Step-Davitamon
9 Massimo Iannetti (Ita) Domina Vacanze
10 Pietro Caucchioli (Ita) Alessio-Bianchi

13 Paolo Bettini (Ita) Quick.Step-Davitamon
15 Oscar Camenzind (Sui) Phonak Hearing Systems

To Steve and Annick Bauer, who are expecting their first child (a boy) in June.

Correction to Spin Class

C3 Ryerson, the Toronto chapter of Barrie Shepley's Cross-Training Club, is planning a spin class this Sunday, Feb.22, from 9:30-12:30 (NOT 9-12) at RAC, the Ryerson Athletic Centre.

The Centre doesn't open until 9:30 so you can't get in before then. Good music, no dirt on your bike, no mittens required! It's also aÃ‚Â chance to talk with a certified coach about your training plans.

Cost is $15; each riderÃ‚Â provides their own bike & trainer. Parking downtown is free until 1 pm.

If you are interested, please email Tina Mayberry at kmaybc504@rogers.comÃ‚Â for further info.

Return to Canadian Cyclist homepage | Back to Top

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 © Copyright 1998-2017 Canadian Cyclist. All rights reserved.


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Don't Miss Out on the Latest News!

Ambrose misses the big picture in speech

TORONTO, August 19, 2014 - In her speech addressing the Canadian Medical Association General Council today, Federal Health Minister Rona Ambrose recounted a laundry list of initiatives. However, she failed to offer any meaningful commitment to coordinate with the provinces on the major issues facing Canadian health care including access to prescription drugs and seniors' care.

“While Minister Ambrose was able to provide benchmarks for her progress on projects like ending prescription drug abuse and improving food labeling, she could not provide similar measures for her work with the provinces and territories,” said Canadian Doctors for Medicare chair, Monika Dutt. “Minister Ambrose assured us this morning that she continues to work alongside provinces and territories to ensure that Canadians receive the highest level of care and yet we find ourselves without a Health Accord, or any other mechanism for ensuring equitable access to timely, quality health care across Canada.”

In her speech, Ambrose highlighted her recently launched innovation committee, suggesting that good governments listen to innovators and leaders in the field. Yet, the committee created by Minister Ambrose is noticeably lacking representation from the majority of Canadian provinces and territories. “The Provinces have already come together to form the Health Care Innovations Working Group, why create another table with uneven representation, rather then coming to the group that the provinces have already collaboratively established?” Dr. Dutt asked.

Whether it’s a national seniors’ strategy or a national pharmaceutical strategy, we need clear leadership from the Federal Government. It's time for Minister Ambrose to set some benchmarks for demonstrating her commitment to collaborating to improve Canadian health care.

Katie Raso

Communication and Outreach Officer

This email address is being protected from spambots. You need JavaScript enabled to view it.


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Relaxing on your deck or porch is a favorite pastime for many homeowners such as yourself. Without spending a dime, you can take in nature and indulge in people watching. However, over time, your deck could become a safety hazard due to the beating it takes from the weather. From the extremely hot temperatures during the summer to the freezing cold temperatures in the winter, the weather can cause your deck or porch to deteriorate. To ensure you and your guests are safe, keep an eye out for these four warning signs that your deck may need repairs.

Rotten Wood

Rainy weather can do significant damage to decks and porches. If the wood of your deck doesn’t dry properly, the moisture can linger. Unfortunately, where there is lingering moisture, there is a chance you will see bacteria growth since bacteria is blown from here to there in the wind. Bacteria causes wood to rot. Bacteria growth breaks down the fibers of your wood, which weakens your deck. Simply cleaning the rotten wood in your deck isn’t a good option because bacteria growth will resume once moisture is reintroduced to the damaged wood.

Loose Railings

Another problem many decks and porches experience are loose railings. The most common place for loose railings is on the steps of your deck. Since many people bear down on these posts as they are climbing the stairs of your deck, it’s easy for them to become a little shaky. If you find that you have loose railings, you must act quickly. Loose railings could lead to injuries, and you would be responsible for the damages.

Your Deck or Porch Feels Spongy

Your deck should be sturdy when you walk across it. If you notice that your deck feels bouncy or spongy as you walk or jump on it, then you may have a structural problem. The spongy feeling may be the result of a poorly built deck. Your deck is unstable because your beams may not be supported fully. An unstable deck could collapse at any time, so it’s imperative that you reinforce your deck as soon as possible.

Loose Connectors

Your deck’s connectors and fasteners work as a system to ensure that your deck is sturdy and durable. Most connectors and fasteners are made from galvanized steel to ensure that decks can withstand a lot of weight. Galvanized steel also provides your deck with protection from the elements. If you notice rust around your connectors, it’s possible that galvanized steel wasn’t used in its construction, and you may want to consider replacing the connectors. Rust is corrosion, and it can weaken your deck. If you notice rust, act immediately to get your deck repaired.

At C & T Siding, we are experts when it comes to building and repairing decks and porches. We can repair your deck or build a custom deck with ease. If some of the wood from your deck has rottened, or you notice rust around your connectors, don’t hesitate to give us a call. We will help you remedy the problem so that your deck is safe and you can once again enjoy relaxing on your deck.


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Friday, January 7, 2011

Thinking... is a BAD idea

Mia: I have a joke to tell you...

Me: Mia, do you have your hands in your pants?

Mia: Yes... but I have something to tell you.

Me: Well, get your hands out of your pants, it's gross.

Mia: But it helps me think, Mom.

Me: Well you can try to think with your hands in your back pockets instead.

Mia: Mom, it doesn't work. Look, (Hands in pockets) I'm not thinking.

Me: I'm sorry. I don't want you doing that anymore.

Mia: But how am I going to think?

Me: Well, you will just have to think of some other way to think.

Daddy for the other room: How about you stick your hands in your pants and think of another way to think.


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Thursday, July 26, 2012

HQ Transports for FoW MW Grenadierkompanie

Last post for today! This is a couple of wagons for lugging about the mortar section from the HQ of my Eastern Front MW German Grenadierkompanie for Flames of War.

They've been lurking in my odds and sods box until a reason came along to paint them up.
The horses are a bit oddly sculpted by comparison to other vendors but they look OK from a distance.

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The Medical Use of Cannabis in California

States Approve Medical Marijuana

The use of marijuana, medicinal or otherwise has been illegal under federal law since 1937. Only Dronabinol, a synthetic pharmaceutical preparation of THC (tetrahydrocannabinol), a major active ingredient in marijuana, is currently approved for use as a Schedule I drug in the United States. As the federal laws have not allowed the use of cannabis as a legal medicinal prescription, several of the states in the US have sought an alternative route to ensure that patients with a need for its properties have access to it without penalty. As of 2013, 20 states – Alaska, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Hawaii, Illinois, Maine, Massachusetts, Michigan, Montana, Nevada, New Jersey, New Mexico, Oregon, Rhode Island, Vermont and Washington – have approved of and regulate the medical use of marijuana. Each state has its own guidelines for use, including a specified list of medical conditions for which its use is approved, and the amount that can be grown, and possessed.

In November 1996, the voters of California passed Proposition 215, the “Compassionate Use Act of 1996.” The purposes of the act were “to ensure that seriously ill Californians have the right to obtain and use marijuana for medical purposes where the medical use is deemed appropriate and has been recommended by a physician who has determined that the person’s health would benefit from the use of marijuana….and to ensure that patients and their primary caregivers who obtain and use marijuana for medical purposes upon the recommendation of a physician are not subject to criminal prosecution or sanction.”

According to a survey on the recommendation of cannabis in California, cannabis is indicated for over 250 conditions. The 20th annual report of the California Research Advisory Panel (1990) recommended that personal use and cultivation of marijuana be legalized: “An objective consideration of marijuana shows that it is responsible for less damage to society and the individual than are alcohol and cigarettes.”

A new state law took effect on Jan. 1, 2004, SB420, which protects Prop 215 patients from arrest provided they cultivate no more than 6 mature or 12 immature plants and possess no more than 8 ounces of dried marijuana. Many counties and cities have established higher guidelines than this state minimum.

Physician Guidelines in Recommending Marijuana

There was no good precedent to aid the physician in review of a patient’s need for medical marijuana and to make this recommendation legally known. Since cannabis was still illegal to prescribe by federal law, the advent of the physician “Recommendation” became a solution. In this case the physician recognizes the patient’s need for marijuana, advises in favor of its use, but is not able to “order” it for the patient as one would for a drug from a pharmacy. Nevertheless, guidelines for the recommending of marijuana have followed many of the same guidelines as those for pharmaceuticals. Before a physician prescribes a pharmaceutical the physician must advise the patient of the drug’s risks and benefits, so that the patient can make an informed decision as to whether or not to take the substance. Therefore, as with any medicine, the physician makes up to one year “recommendations”, and has follow-up visits with the patient to review the efficacy of the substance and monitor its effect on the patient’s health.

In January 1997 the Medical Board of California published standards for physicians when recommending medical marijuana. According to the board’s new statement, consultation should include:

  • History and good faith examination of the patient
  • Development of a treatment plan with objectives
  • Provision of informed consent including discussion of side effects
  • Periodic review of the treatment’s efficacy
  • Consultation, as necessary
  • Proper record keeping that supports the decision to recommend the use of medical marijuana

In May 2004 the Medical Board adopted a statement clarifying the implementation of California’s Compassionate Use Act to insure that California’s physicians and consumers receive appropriate guidance under the law. This provided that the recommendation of medical marijuana by physicians in their medical practice will not have any effect against their physician’s license if they follow good medical practice.

What makes California Unique in Marijuana Recommendation.

The stipulations of the states’ medical marijuana acts give California the most leeway due to the following distinctions –

Covered conditions – cancer, anorexia, AIDS, chronic pain, spasticity, glaucoma arthritis, migraine, or any other illness for which marijuana provides benefit. Other states stipulate similar specified conditions, but require state approval for other illnesses, if such a clause exists at all. Consequently, the range of covered conditions for which marijuana is approved in California is the widest in the country. It is generally estimated that 40% of patients in CA have a diagnosis of chronic pain. Our work at MediCann Inc. supports this finding, with low back pain topping the list.

The state guidelines for most states restrict possession to the level of 1 to 3 ounces of marijuana. Two states, Oregon and Washington allow up to 24 ounces. The California state limit is 8 ounces, but, many counties have allowed greater than the state minimum, up to 3 pounds. The greatest population of patients having access to higher levels of product is, therefore, found in California.

Current estimates are 500,000 medical marijuana patients in California. The Drug Policy Alliance estimated a minimum of 115,000 registered patients in the US in 2005, of which 100,000 were in CA. Therefore approximately 80% of all registered medical marijuana patients were estimated to be in California! And this number is rapidly expanding. The concentration of medical marijuana patients varies between different regions of the state, being highest in Northern California, coincidentally where local county law is more favorable toward medical marijuana cultivation and possession.