Friday, August 2, 2013

Exploring every East Bay Regional Park trail

Rockridge hiker exploring every East Bay Regional Park trail
By Marta Yamamoto Correspondent
POSTED:   07/29/2013 01:04:16 PM PDT
OAKLAND -- Wendy Wheeler has been hiking for most of her life. She likes to explore, loves nature and believes that hiking offers opportunities to learn what the world is really about.

Through early on she focused on local parks, this Rockridge resident has broadened her exploration field and set herself a formidable goal. With hiking partner Thomas Page, Wheeler is hiking every trail in every park of the East Bay Regional Park District. Those in the know are aware that there are 65 parks, 113,000 acres and 1,200 miles of trails within the park district. Wheeler's plan is to cover every mile of trail.

"Our goal is to finish but also to enjoy ourselves," she said.

Though Wheeler and Page have been hiking since 2001, it wasn't until 2008 when Page came up with the "every park, every trail" idea, and since then the two have hiked on weekends starting early in the morning and covering 10 to 20 miles. The project requires a lot of preparation, including planning for weather conditions and terrain.

"We take a map and start plotting out the most efficient way to finish the park without doubling back and hiking one trail twice," Wheeler said. "We use yellow highlighter to show the trails we've hiked and for us to finish a park, every trail on the map needs to be yellow."

The statistics are impressive. Wheeler boasts hiking in every park except for Brooks Island, some parks more than once. The pair has completed 48 parks, from Big Break and Briones in the north; to Point Pinole and Tilden in the west; to Coyote Hills and Ardenwood in the south; to Round Valley and Sunol in the east.

"We've hiked more than 2,000 miles because when you hike every trail in a park you travel more miles by hiking over the same trails to cover dead ends," Wheeler said. "In larger parks, the number of dead ends and same trails add up to many extra miles."

Wheeler's explorer instinct is a big motivator; she loves seeing new things and welcomes the opportunity to explore these amazing places.

"Sometimes people don't realize how much we have around us," she said. "If they fully grasped the beauty and vastness of this open space, they would be shocked."

To spread the word about the Bay Area's richness of natural resources, Wheeler and Page have a bimonthly lecture at the Lafayette Library in which they put on slideshows about local and Bay Area parks. Wheeler also serves as an ambassador for the East Bay Regional Park District, participating in park-sponsored events and often creating her own, and she works with local schools to encourage children to get outdoors. She helped start a hiking club at Chabot Elementary, organized parent nights to show the movie "Mother Nature's Child" and is now working on a lecture series for Merritt College to bring in speakers who focus on children in nature. Through her work with the Children in Nature Collaborative, she's set up a Facebook page for parents to see outdoor opportunities. Wheeler hopes this hiking project will serve as encouragement to others.

"Try to explore more and learn what's out there," she said. "There are different ways to explore the parks -- on your own or on a naturalist-led hike," Wheeler said. "We would love to see more people experiencing the parks in new ways."

As for when the project will be completed, a push might get them there in one year, but there's no pressure. The goal is to explore, enjoy and appreciate.

For more information
Anyone interested in having Wendy Wheeler talk to their group about hiking or show "Mother Nature's Child," contact her at environmentw@yahoo.com.
For pictures of Wheeler and Page's hikes, go  here >>>
For information on Children in Nature, go here >>>

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Tuesday, July 2, 2013

Canon's new 70D SLR keeps video in focus on the go

Jefferson Graham, USA TODAY 12:31 a.m. EDT July 2, 2013
LOS ANGELES — What if you could shoot a DSLR still camera like a camcorder, keeping the image in focus as you moved across the room and zoomed in and out?
That's something that many photographers have wished for, and a feature Canon plans to push heavily in the fall when it releases the new EOS 70D, ($1,349 with lens, $1,199 body only).
USA TODAY got a sneak peak at the 70D, which Canon just announced. It replaces the current 60D (on sale now online for around $599, body only). Some specs: 20-megapixel image sensor (up from 18 MP for the 60D) and the ability to shoot as many as 7 frames a second (up from 5.3).
But the big news is the continuous autofocus. As anyone with a DSLR knows, most models won't stay in autofocus once a recording has started. So if you pan a sports field to get video of your son playing baseball, you could start in focus on the home plate and end up with a fuzzy image when he gets to first base.
With the 70D, the idea is that you'd remain in focus all the way through.
Canon touts the 70D as keeping 80% of the focus area sharp. It pulled it off with what it calls a "revolutionary" new method of pixel management. Traditional image sensors only capture light with the pixels; the 70D uses a "dual pixel" sensor that both focuses and captures the images.
To get even more geeky, the camera has over 40,000 pixels on the sensor — up from 18,000 for the 60D.
What the extra pixels do is "speed up autofocus and make it more accurate," says Chuck Westfall, Canon's technical adviser. "It's now quicker and more reliable."
In our brief tests during our sneak peak, the 70D truly stayed in focus as we roamed the room, and it did everything Canon said it would — but we'll reserve final judgement until we get the opportunity to do a full review.
The potential is huge. The DSLR video revolution was started by Canon in 2009 with the release of the 5D Mark II, when photographers began taking advantage of the larger imaging chip in DSLRs — 20 times the size of those in video cameras — for brighter, crisper images and cinema-like quality.
You can't zoom as effectively or smoothly on a DSLR as you can on a video camera. And initially you couldn't run the camera as long as a camcorder — clips were just 12 minutes max — but now most newer cameras, including the 70D, allow up to 29.9 minutes.
But the images looked so much sharper that photographers were willing to put up with the focus issues. They use add-ons — like loupes and monitors — to help their eyes see better to focus.
Now, with the 70D, their camera bags could conceivably be a little lighter.
Canon's lineup of DSLRs starts with the entry-level Rebel cameras, ($649, body only) and is topped off with the 5D Mark III ($3,300). In between now will be the 70D, which has a larger body than the Rebel cameras, more manual controls and a new feature — built in Wi-Fi, in conjunction with an app for Apple and Android devices.
Follow Jefferson Graham on Twitter: @jeffersongraham.
More info here >>>

Sunday, June 30, 2013

Innovation: JPEGmini

Innovation: JPEGmini
Published July 1, 2013 by Businessweek
Innovators: Sharon Carmel and Dror Gill
Founder/CEO and CTO of Beamr, a Tel Aviv-based media technology company
Form and function
An image compression technology that radically reduces the file size of photographs (and soon videos) without sacrificing quality perceptible to the human eye.
“We take an image, make it five times smaller, but always guarantee that the JPEGmini image looks exactly like the original.” —Dror Gill


Read more here >>>

Microsoft's Cloud-Based Office Shifts to Perpetual Update

Microsoft's Cloud-Based Office Shifts to Perpetual Update
By Dina Bass, June 27, 2013

Since shortly after its introduction in 1989, Microsoft (MSFT) has updated its popular Office suite of software every three years or so. Those updates included revamped interfaces, new Word fonts and Excel formulas, and a raft of fixes for bugs, some noticeable and others gnat-size. Big and small, these updates were wrapped up together in a shiny, redesigned box with a new price tag. Typically they were sold to individuals and companies who had recently invested in new PCs. The formula worked for a long time, and it still does; in 2012 there were 1 billion Office users worldwide, and the suite of productivity software brought in more than half of the $24 billion in global revenue generated by Microsoft’s business division.
As it shifts its Office sales model away from programs installed on users’ hard drives and toward its cloud-based Office 365 subscription service, Microsoft is rethinking the way it releases software updates, and dramatically accelerating them. PC sales are dropping—global shipments may decline 7.8 percent this year, the worst annual drop on record, according to researcher IDC. That means new PCs can no longer be counted on to spur software sales. Office also has a lot more competition. Google Docs, now part of Google Drive, is an alternative to programs such as Word and Excel. Dropbox, Box, and Jive Software (JIVE)compete with Office’s SharePoint, its document management and collaboration software.
All of these newer entrants into productivity software live in the cloud. Since Google (GOOG) launched its Drive service in April 2012, it’s updated the program more than 100 times. Dropbox and Box say they update every day. More than 5 million businesses use Google Apps daily, company spokesman Tim Drinan says. Depending on need, Google may update the software a few times a month or a few times a week. Drinan says the company gives enterprise customers the option of receiving updates only at set times if they prefer not to be surprised. Box says it has more than 150,000 business users.
Companies that update automatically can be more responsive to customer complaints and shifting needs, and cloud-based software doesn’t require users to keep downloading and installing supplemental files, as Microsoft’s from-the-box customers must for occasional bug fixes and security patches. “Microsoft understands the competitive threat,” says Melissa Webster, an analyst at IDC. “Three years is a lifetime in tech these days.”
Microsoft launched cloud-based Office 365 two years ago, and in the past year has shifted its culture more toward that of an Internet company, Vice President Jeff Teper says. A year ago, 80 percent of the engineers in Office’s servers and services group were working on the big updates that took place every few years, and 20 percent were assigned to quicker fixes for Office’s cloud products; now it’s the reverse. Office 365 users receive monthly updates, and soon, Teper says, they’ll be weekly. The Office cloud-products team, which had just a handful of data analysts four years ago, now has dozens who track user satisfaction as updates go live.
Teper calls it “the Yammer way,” after the corporate social network used for collaboration within organizations, which Microsoft acquired in July 2012. Yammer updates twice a week, and its team helped recruit many of the new Office data analysts. Yammer co-founder Adam Pisoni is Office’s new general manager for engineering. The change “is a foundational shift that is permeating through the organization,” says Bobby Kishore, an 18-year Microsoft veteran who manages engineering and operations for Office 365.
The focus on Office 365, now a $1 billion-a-year business, risks alienating some corporate customers. While it’s convenient, users may find a stream of program changes disorienting. “With all the products where they are amping up the velocity of releases, there’s the same risk,” says Wes Miller, an analyst at the independent consultancy Directions on Microsoft. “A broad category of customers like to see that. There’s also a broad category of customers who are terrified by that.”
Microsoft’s own research confirms this. In a 2010 survey of its 150 top customers, only 1 in 5 said they were using Web-based software or planned to do so. Teper says the company decided to ignore those signals and push forward with the development of Office 365. “We don’t want to be caught behind the eight ball,” he says. “Even if it’s the customer saying, ‘Hey, go slower.’ ”
The Office unit says packaged releases will still be available to users who are resistant to Office 365 and its frequent updates, but most of the team’s energy will be focused online. “Microsoft has an established history and trust with customers,” says Pisoni. “So far those who are hesitant about going to the cloud, they’re willing to put their trust in Microsoft. No other competitor—Google, Box—has that established trust.” Raman Padmanabhan, chief information officer for Xerox’s (XRX) business services unit, has been briefed on Microsoft’s move to faster updates and says he supports the shift as long as the product is good. “It’s all about service and quality,” he says. “You have to have a certain quality or it just kills your business.”
The bottom line: As Microsoft Office shifts to the cloud, 4 out of 5 engineers in its services group now work on rapid Web updates.
Bass is a reporter for Bloomberg News in Seattle.

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Saturday, June 29, 2013

34 Social Security Secrets You Need to Know Now

Update: | Laurence Kotlikoff has agreed to answer your questions about Social Security and retirement. Read his first set of responses here and submit your queries in the comments below.
FOM$* (and sometime tennis sparring partner) Larry Kotlikoff of Boston University is a noted economist, prolific author and frequent contributor to Bloomberg and Forbes.com, among other venues. We've featured him on this page before and will again. Today, we post a recent essay of his: "34 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know."
Be forewarned that Larry is sometimes wrong but rarely in doubt. Know, however, that he has worked for many years to fine-tune retirement software -- ESPlanner -- that is widely considered the gold standard in the online world. We've long linked to the basic free version of ESPlanner from this page. Know also that Larry is my own personal social security advisor. His advice to apply for a dependent spousal benefit while my wife and I put off full retirement benefits until age 70 has been a boon, and so impressed the woman with whom I spoke at Social Security, that she thanked me for informing her of it and said she'd advise callers about this option henceforth. Note that many of Larry's "secrets" involve the dependent spouse benefit. Be advised that the folks at Social Security with whom I've dealt have been uniformly courteous, responsive and efficient.
Editor's Note | A version of this post originally ran July 3, 2012, on Forbes.com.
34 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know
By Laurence Kotlikoff
The Social Security Handbook has 2,728 separate rules governing its benefits. And it has thousands upon thousands of explanations of those rules in its Program Operating Manual System, called the POMS, which provides guidance on implementing the 2,728 rules. Talk about a user's nightmare!
As a young economist, I did a fair amount of academic research on saving and insurance adequacy. At the time, I thought I had a very good handle on the rules. Then I started a financial planning software company, which makes suggestions about what benefits to take from Social Security and when to take them to get the best overall deal. (See, in this regard, www.maximizemysocialsecurity.com and www.esplanner.com.)
At that point, I realized I needed to quadruple check my understanding of Social Security's provisions. To do this, I established contacts with experts at Social Security's Office of the Actuary. I also hired a specialist whose only job is to audit my company's Social Security, Medicare premium, and federal and state income tax code.
The problem with this strategy is you can only check on things you know about. Over the years, I discovered things I had never heard of. I would then check with the Social Security actuaries who would say, "Oh yes, that's covered in the POMS section GN 03101.073!"
Mind you, a large share of the rules in the Social Security Handbook are indecipherable to mortal men, and the POMS is often worse. But thanks to patience on the part of the actuaries, I've learned things that almost no current or prospective Social Security recipient knows, but which almost all should know.
The reason is that taking the right Social Security benefits at the right time can make a huge difference to a retiree's living standard.
Unfortunately, Social Security has some very nasty "gottcha" provisions, so if you take the wrong benefits at the wrong time, you can end up getting the wrong, as in smaller, benefits forever.
Also, the folks at the local Social Security offices routinely tell people things that aren't correct, including about what benefits they can and can't receive and when they can receive them. Taking Social Security benefits -- the right ones at the right time -- is one of the biggest financial decisions you'll ever make, so you need to get it right.
Getting it right on your own, however, is neigh impossible. One of my engineers and I calculated that for an age-62 couple there are over 100 million combinations of months for each of the two spouses to take retirement benefits, spousal benefits and decided whether or not to file and suspend one's retirement benefits. There are also start-stop-start strategies to consider. Each combination needs to be considered to figure out what choices will produce the highest benefits when valued in the present (measured in present value). For some couples who are very different in age, survivor benefits also come into play. In that case, the number of combinations can exceed 10 billion!
Fortunately, www.maximizemysocialsecurity.com can help you find the right answer generally within a matter of seconds. It does exhaustive searches of all combinations of months in which you can take actions, but thanks to modern computing power and careful programming, our Maximize My Social Security program can run through millions upon millions of combinations of decisions incredibly fast.
Whether or not you use our software, it's important to have as full a handle on Social Security's provisions as possible. Listed below are 34 things I've learned over the years that you may not fully know. (The list started at 25, but I've been learning some new secrets and recalling some others.)
  1. If you are already collecting your retirement benefit and are at or over full retirement age, you can tell Social Security you want to suspend further benefits and then ask them to restart your benefits at a later date, say age 70. Social Security will then apply its Delayed Retirement Credit to your existing benefit once you start collecting again. Hence, this is a means by which current Social Security recipients who aren't yet 70 can collect higher benefits, albeit at the cost of giving up their check for a while. But this trade off will, on net, often be very advantageous. For example, if you started collecting at 62 and are now at your full retirement age, i.e., 66, you can suspend benefits until 70 and then start collecting 32 percent higher benefits for the rest of your life. This benefit collection strategy can be called Start Stop Start. We are in the process of rolling out a new update of www.maximizemysocialsecurity.com, which incorporates Start Stop Start.
  2. If you aren't now collecting and wait until 70 to collect your retirement benefit, your retirement benefit starting at 70 can be as much as 76 percent higher than your age-62 retirement benefit, adjusted for inflation. The reason is that your benefit is not reduced due to Social Security's Early Retirement Reduction; moreover, it's increased due to Social Security's Delayed Retirement Credit. For many people, the increase in the retirement benefit can be even higher if they continue to earn money after age 62 thanks to Social Security's Re-computation of Benefits.
  3. But if you are married or divorced, waiting to collect your retirement benefit may be the wrong move. If you are the low-earning spouse, it may be better to take your retirement benefit starting at age 62 and then switch to the spousal benefit you can collect on your current or ex-spouse's account starting at your full retirement age. But beware of the Gottcha in item 5.
  4. If you're married, you or your spouse, but not both, can receive spousal benefits after reaching full retirement age while deferring taking your retirement benefits and, thereby, letting them grow. This may require having one spouse file for retirement benefits, but suspend their collection. This is called the File and Suspend strategy.
  5. Be careful! If you take your own retirement benefit early and are below full retirement age, you will be forced to take your spousal benefit early and at a permanently reduced level if your spouse collects his/her his/her retirement benefit before or in the month in which you apply to collect your retirement benefit. If your spouse is not collecting a retirement benefit when you apply for an early retirement benefit, you will not be deemed to be applying for your spousal benefit. Hence, you can start collecting your spousal benefit later. (See item 33)
  6. Start Stop Start may also make sense for married workers who aren't already collecting and whose age differences are such they they can't take advantage of File and Suspend. Take, for example, a 62 year-old high earner, named Sally, with a 66-year old low earner spouse, named Joe. By starting retirement benefits early, Sally permits Joe to start collecting a spousal benefit immediately. The reason is that spouses aren't eligible to collect spousal benefits unless the worker is either collecting a retirement benefit or has filed for a retirement benefit, but suspended its collection. If Sally starts her retirement benefit at 62, Joe can apply just for his spousal benefit at 66 and then wait until 70 to collect his own retirement benefit, which will be at its highest possible value thanks to Social Security's Delayed Retirement Credit. As for Sally, she can suspend her retirement benefit at 66, when she reaches full retirement, and then restart it at 70, at which point her benefits will be 32 percent higher than what she was collecting. Even singles workers may opt for Start Stop Start to help with their cash flow problems.
  7. If your primary insurance amount (your retirement benefit available if you wait until full retirement) is less than half that of your spouse and you take your own retirement benefit early, but are able to wait until full retirement age to collect your spousal benefit, your total check, for the rest of your life, will be less than one half of your spouse's primary insurance amount. Nonetheless, this may still be the best strategy. This reflects another Gotcha explained in 8.
  8. On its website, Social Security states, "your spouse can receive a benefit equal to one-half of your full retirement benefit amount if they start receiving benefits at their full retirement age." This is true only if your spouse isn't collecting his/her own retirement benefit. If your spouse is collecting her own retirement benefit, his/her spousal benefit is calculated differently. Rather than equaling one half of your full retirement benefit, it's calculated as half of your full retirement benefit less your spouse's full retirement benefit. This difference is called the excess spousal benefit. The total benefit your spouse will receive is her retirement benefit, inclusive of any reduction, due to taking benefits early, or increment, due to taking benefits late, plus the excess spousal benefit. The excess spousal benefit can't be negative; i.e., its smallest value is zero.

    Take Sue and Sam. Suppose they are both 62 and a) Sue opts to take her retirement benefit early and b) Sam opts to file and suspend at full retirement and take his retirement benefit at 70. Between ages 62 and 66 (their full retirement age), Sue collects a reduced retirement benefit, but is not forced to take her spousal benefit (which would be reduced) because Sam isn't collecting a retirement benefit during the years that Sue is 62 to 66. Now when Sue reaches age 66, she starts to collect an unreduced spousal benefit because Sam has qualified her to do so by filing and suspending for his retirement benefit. OK, but her unreduced spousal benefit is calculated as 1/2 x Sam's full retirement benefit less Sue's full retirement benefit. Sue ends up getting a total benefit equal to her own reduced retirement benefit plus her unreduced excess spousal benefit. This total is less than half of Sam's full retirement benefit. To see this note that the total equals half of Sam's full retirement benefit plus Sue's reduced retirement benefit minus Sue's full retirement benefit. The last two terms add to something negative.
  9. Are there are two different formulas for spousal benefits depending on whether the spouse is collecting his/her own retirement benefit? It sure seems that way because when the spouse is collecting a retirement benefit, the excess spousal benefit (potentially reduced for taking spousal benefits early) comes into play. And when the spouse isn't collecting a retirement benefit, the spousal benefit equals half of the worker's full retirement benefit. (Note, the spouse has to collect a retirement benefit before full retirement age if she applies for her spousal benefit.) The answer, in fact, is no. There is only one formula. The formula for the spousal benefit is always the excess benefit formula. But here's what happens to the application of that formula if the spouse is not collecting a retirement benefit. In that case, the spouse's full retirement benefit (also called the Primary Insurance Amount) is set to zero in calculating the excess spousal benefit. The reason, according to Social Security, is that a worker's Primary Insurance does not exist (i.e., equals zero) if the worker has not applied for a retirement benefit (and either suspended its collection or started to receive it). In other words, your Primary Insurance Amount is viewed as non-existant until you apply for a retirement benefit. This construct - the primary insurance amount doesn't exist until it's triggered by a retirement benefit application -- lets Social Security claim to have one formula for spousal benefits. But there are, in effect, two spousal benefit formulas and which one you -- the person who will collect a spousal benefit -- faces will depend on whether or not you take your retirement benefit early.
  10. If you are divorced, both you and your ex can collect spousal benefits (on each others work histories) after full retirement age while still postponing taking your own retirement benefits until, say, age 70, when they are as high as can be. This is an advantage for divorcees. But there's also a disadvantage. A divorcee who applies for spousal benefits before full retirement age will automatically be forced to apply for retirement benefits even if her/his ex isn't collecting retirement benefits.
  11. There is no advantage to waiting to start collecting spousal benefits after you reach your full retirement age.
  12. There is no advantage to waiting to start collecting survivor benefits after you reach your full retirement age.
  13. If you started collecting Social Security retirement benefits within the last year and decide it wasn't the right move, you can repay all the benefits received, including spousal and child benefits, and reapply for potentially higher benefits at a future date.
  14. If you wait to collect your retirement benefit after you reach your full retirement age, but before you hit age 70, you have to wait until the next January to see your full delayed retirement credit show up in your monthly check.
  15. Millions of Baby Boomers can significantly raise their retirement benefits by continuing to work in their sixties. This may also significantly raise the spousal, child, and mother and father benefits their relatives collect.
  16. If you take retirement, spousal, or widow/widower benefits early and lose some or all of them because of Social Security's earnings test, Social Security will actuarially increase your benefits (under the Adjustment of Reduction Factor) starting at your full retirement age based on the number of months of benefits you forfeited. This is true whether the loss in benefits due to the earnings test reflects benefits based on your own work record or based on your spouse's work record. Consequently, you should not be too concerned about working too much and losing your benefits if you elected to take them early.
  17. When it comes to possibly paying federal income taxes on your Social Security benefits, withdrawals from Roth IRAs aren't counted, but withdrawals from 401(k), 403(b), regular IRAs, and other tax-deferred accounts are. So there may be a significant advantage in a) withdrawing from your tax-deferred accounts after you retire, but before you start collecting Social Security, b) using up your tax-deferred accounts before you withdraw from your Roth accounts, and c) converting your tax-deferred accounts to Roth IRA holdings after or even before you retire, but before you start collecting Social Security.
  18. Social Security's online benefit calculators either don't handle or don't adequately handle spousal, divorcee, child, mother, father, widow or widower benefits, or file and suspend options.
  19. The default assumptions used in Social Security's online retirement benefit calculators is that the economy will experience no economy-wide real wage growth and no inflation going forward. This produces benefit estimates that can, for younger people, be significantly less than what they are most likely to receive.
  20. Some widows/widowers may do better taking their survivor benefits starting at 60 and their retirement benefits at or after full retirement. Others may do better taking their retirement benefits starting at 62 and taking their widow/widowers benefits starting at full retirement age.
  21. If you're below full retirement age and are collecting a spousal benefit and your spouse is below full retirement age and is collecting a retirement benefit, your spousal benefit can be reduced if your spouse earns beyond the Earnings Test's exempt amount. And it can also be reduced if you earn beyond the Earnings Test's exempt amount.
  22. The Windfall Elimination Provision affects how the amount of your retirement or disability benefit is calculated if you receive a pension from work where Social Security taxes were not taken out of your pay, such as a government agency or an employer in another country, and you also worked in other jobs long enough to qualify for a Social Security retirement or disability benefit. A modified formula is used to calculate your benefit amount, resulting in a lower Social Security benefit than you otherwise would receive.
  23. Based on the Government Pension Offset provision, if you receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes, your Social Security spouse's or widow's or widower's benefits may be reduced.
  24. If you have children, because you started having children late or adopted young children later in life, they can collect child benefits through and including age 17 (or age 19 if they are still in secondary school) if you or your spouse or you ex spouse are collecting retirement benefits.
  25. If you have children who are eligible to collect benefits because your spouse or ex spouse is collecting retirement benefits, you can collect mother or father benefits until your child reaches age 16.
  26. Your children can receive survivor benefits if your spouse or ex-spouse died and they are under age 18 (or age 19 if they are still in secondary school).
  27. You can collect mother or father benefits if you spouse or ex-spouse died and you have children of your spouse or your ex-spouse who are under age 16.
  28. There is a maximum family benefit that applies to the total benefits to you, your spouse, and your children that can be received on your earnings record.
  29. If you choose to file and suspend in order to enable your spouse to collect a spousal benefit on your earnings record while you delay taking your benefit in order to collect a higher one later, make sure you pay your Medicare Part B premiums out of your own pocket (i.e., you need to send Social Security a check each month). If you don't, Social Security will pay it for you and treat you as waving (i.e., not suspending) your benefit apart from the premium and, get this, you won't get the Delayed Retirement Credit applied to your benefit. In other words, if you don't pay the Part B premiums directly, your benefit when you ask for it in the future will be NO LARGER than when you suspended its receipt. This is a really nasty Gotcha, which I just learned, by accident, from one of Social Security's top actuaries.
  30. If you are collecting a disability benefit and your spouse tries to collect just his/her Social Security benefit early, she will be deemed to be filing for her spousal benefits as well. I.e., if your spouse takes his/her retirement benefit early, he/she won't be able to delay taking a spousal benefit early, which means both her retirement and spousal benefits will be permanently reduced thanks to the early retirement benefit and early spousal benefit reduction factors.
  31. When inflation is low, like it is now, there is a disadvantage to delaying until, say 70, collecting one's retirement benefit. The disadvantage arises with respect to Medicare Part B premiums. If you collecting benefits (actually were collecting them last year), the increase in the Medicare premium this year will be limited to the increase in your Social Security check. This is referred to as being "held harmless." Hence, when inflation is low, the increase in your check due to the cost of living adjustment will be small, meaning the increase in your Medicare Part B premium will be limited. But, if you aren't collecting a benefit because you are waiting to collect a higher benefit later, tough noogies. You're Medicare Part B premium increase won't be limited. And that increase will be locked into every future year's Medicare Part B premium that you have to pay. You can wait to join Medicare until, say, age 70, but if you aren't working for a large employer, the premiums you'll pay starting at 70 will be higher and stay higher forever. So much for helping the government limit its Medicare spending!
  32. Hold harmless -- the provision that your increase in Medicare Part B premium cannot exceed the increase in your Social Security check due to Social Security's Cost of Living Adjustment -- does not apply if you have high income and are paying income-related Medicare Part B premiums.
  33. The thresholds beyond which first 50 percent and then 85 percent of your Social Security benefits are subject to federal income taxation are explicitly NOT indexed for inflation. Hence, eventually all Social Security recipients will be tax on 85 percent of their Social Security benefits.
  34. If you take your retirement benefit early and your spouse takes his/her retirement benefit any time that is a month or more after you take your retirement benefit, you will NOT be deemed, at that point (when your spouse starts collecting his/her retirement benefit) to be applying for a spousal benefit. In other words, you can, in this situation, wait until your full retirement age to start collecting your unreduced excess spousal benefit. The retirement benefit collection status of your spouse in the month you file for early retirement benefits determines whether you are deemed to be also be applying for spousal benefits. This means that you should think twice about applying for retirement benefits in the same month as your spouse if one or both of you are applying early.
-* Friend of Making Sen$e.

This entry is cross-posted on the Rundown- NewsHour's blog of news and insight. 

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Monday, June 24, 2013

Motivation Matters More Than Ever

Motivation Matters More Than Ever
Ideas of the Year 2013
AMANDA RIPLEYJUN 19 2013, 10:05 PM ET

It used to be enough to go to college, pick up a few skills, and ease onto a career track. But now that information is updated hourly and is available to anyone, anywhere, everyone must keep learning. And one thing we know about learning is that you can’t do it if you aren’t motivated.

But if you are motivated, how the opportunities abound! You can learn JavaScript on Codeacademy .com for free. After that, you can bid on the 256 JavaScript projects posted on Freelancer.com. Once you’ve paid your rent, you can fund a short film on Kickstarter, which now distributes more money annually than the National Endowment for the Arts.

As the barriers to entry are getting lower, though, the bar for performance is ratcheting up. If you finish that JavaScript project late, future employers will read about it in your reviews. At a new public research university opening in Florida, professors won’t get tenure—they’ll get renewable contracts based on performance. Work is getting easier to audition for but harder to keep.

Motivation is a battery pack of skills, from passion to perseverance to self-control. Statistically speaking, boys and low-income kids have less of it. But a little-known fact about motivation is that it can be taught. It’s not harder to teach than reading, and it’s probably more important.

Stanford’s Carol Dweck has found that teaching kids that their brains are muscles and get stronger with use significantly boosts perseverance. Meanwhile, training children not only to set a goal, but to devise a plan for overcoming specific, inevitable obstacles to that goal, increases self-control, according to research by the University of Pennsylvania’s Angela Lee Duckworth. These lessons should be the new ABCs: taught from a very young age, repeated often, and made impossible to forget.
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Sunday, May 12, 2013

Maintaining better posture while sitting at your desk at work


Maintaining better posture while sitting at your desk at work
By AMY SCHOENFELD, the New York Times

MATT DRUDGE recently noted an anniversary of his aggregator news site with a Twitter post: “18 years of DRUDGE REPORT in February! And STILL sitting ;).”
Mr. Drudge, 46, hasn’t just been sitting for two decades. Like so many workers chained to their technology, he has been hunched over desktops, laptops, smartphones and tablets, and it’s all taken a toll on his body. He tries to limit the time he spends sitting to four or five hours a day, but sometimes he sits for up to 17 hours.
To ease his back, neck and shoulder pain, Mr. Drudge says he has learned how to adjust his posture. Whether he’s typing in the car, from the wooden folding chair in his Miami home office, or from a boardwalk bench at the beach on cloudy days, he makes sure to tilt the top of his pelvis forward, roll his shoulders back, elongate his spine and straighten his craned neck.
Mr. Drudge is one of thousands of people who have trained with Esther Gokhale, a posture guru in Silicon Valley. She believes that people suffer from pain and dysfunction because they have forgotten how to use their bodies. It’s not the act of sitting for long periods that causes us pain, she says, it’s the way we position ourselves.
Ms. Gokhale (pronounced go-CLAY) is not helping aching office workers with high-tech gadgets and medical therapies. Rather, she says she is reintroducing her clients to what she calls “primal posture” — a way of holding themselves that is shared by older babies and toddlers, and that she says was common among our ancestors before slouching became a way of life. It is also a posture that Ms. Gokhale observed during research she conducted in a dozen other countries, as well as in India, where she was raised.
For a method based not on technology but primarily on observations of people, it has beenembraced by an unlikely crowd: executives, board members and staff members at some of Silicon Valley’s biggest companies, including Google and Oracle; and heavy users of technology like Mr. Drudge.
“I need to do things that make sense and that I can see results from. Esther’s work is like that,” said Susan Wojcicki, 44, one of Google’s senior vice presidents, who has suffered from back and neck pain that she attributes to doing too much work at her desk.
Ms. Gokhale is not the first to suggest that changing posture is the key to a healthy spine. Practitioners of the Alexander Technique and the creators of the Aplomb Institute in Paris similarly help clients find more natural and comfortable ways to position themselves. Pilates and physical therapy can improve posture and bring awareness to it. A handful of companies, like Lumo BodyTech, now sell personal posture monitors, offering smartphone users constant feedback about the way they hold their bodies.
Ms. Gokhale’s methods have not been tested scientifically, though a doctor at the Palo Alto Medical Foundation is planning on conducting clinical trials by the end of the year.
But Ms. Gokhale, who was trained as a biochemist at Princeton University and studied at Stanford’s medical school, has some influence among medical professionals, particularly in Silicon Valley. Over 100 have referred patients to her, and a similar number have taken her course, she says.
FOR many office workers in the United States, sitting at a desk all day goes hand in hand with back, neck and shoulder discomfort. Stress and poor positioning can bring on aches or exacerbate injuries among workers faced with heavy computing, constant travel and long meetings. Regardless of occupation or lifestyle, backaches affect most Americans — about 8 in 10 deal with the pain at some point in their lifetimes, according to Dr. Richard Deyo, a professor of family medicine at Oregon Health and Science University.
The expenses are huge as well. By one estimate that appeared in The Journal of the American Medical Association, the national cost of treating people with back and neck pain was $86 billion in 2005. And with back pain one of the top reasons for worker disability, missed work because of these aches may cost employers close to $7 billion a year, according to one study.
For the majority of people with back pain, the aches are short-lived and relief comes with rest and time, according to Dr. Deyo. But methods to help those with chronic pain are diverse. Using a standing desk at work has become a popular way to ease discomfort. Exercise, yoga, acupuncture and chiropractic have also been shown to reduce pain. Medical treatments like surgery and steroids continue to be important options, doctors say, even amid concerns that these have been overused.
Dr. Haleh Agdassi, a rehabilitation doctor with the Palo Alto Medical Foundation in California, sees back and neck pain so frequently among heavy users of computers that she calls it the “Silicon Valley syndrome.” She encourages clients to try a mix of nonsurgical strategies, but finds it frustrating that treatments for such a common problem are only modestly effective.
“There’s no magic bullet out there for back pain,” she says. “That can be overwhelming for patients. It’s an anxious, vulnerable crowd — they’re looking for solutions.”
Ms. Gokhale, 52, can relate to the anxiety of searching for an answer. She previously dealt with pain in her lower back, first as a college student practicing yoga, then as a young mother with sciatica. She eventually had surgery for a herniated disk, but it failed, she said.
When doctors suggested she try a second time, Ms. Gokhale began a search for other answers. Many of her own clients come to her similarly exasperated, she said.
Mr. Drudge read Ms. Gokhale’s book, “8 Steps to a Pain-Free Back,” before training with her in person. “I needed her touch, her observations and her humanity,” he said.
Donna Dubinsky, co-founder and former chief executive of Palm, worked with Ms. Gokhale two years ago after trying chiropractic, cortisone shots and physical therapy to minimize the pain of herniated disks in her back.
“All of these other things were about symptom relief. The question for me became: what could I do to address the root cause?” said Ms. Dubinsky, 57, who now stands during many meetings to practice Ms. Gokhale’s posture lessons. “Not that it’s a miracle cure, but of all the things I’ve tried, what Esther taught me was the most effective,” she added.
IN Ms. Gokhale’s courses, offered in her Palo Alto, Calif., studio and in cities across the country, students relearn how to sit, stand, sleep and walk. While some clients take private classes, many enroll in group workshops with eight to 10 people who meet for six 90-minute sessions. While the students are often strangers, the classes are casual and intimate: most clients wear yoga clothes or sweat pants, and they giggle awkwardly as Ms. Gokhale adjusts their bodies.
Ms. Gokhale says that most Americans tend to be relaxed and slumped (think of a C-shaped spine), or arched up and tense (an S shape), the stand-up-straight style of posture that some parents demand of their children. She helps her students return their bodies to the stance that she says nature intended: upright and relaxed (a tall J spine).
With the care of a kindergarten teacher, Ms. Gokhale adjusts clients’ bodies from bottom to top. She helps clients relax the front of the pelvis downward, so the belt line slants forward and the butt angles back, so “your behind is behind you, not under you” (a contrast to the neutral pelvis recommended in Pilates and some physical therapy).
Ms. Gokhale guides students’ rib cages that sway too far back, so they are flush with the stomach. She takes their hunched shoulders, rolls them up and brings them gently back and down. And she helps students release tension in their necks by re-centering their heads over their spines and pulling upward slightly at the hairline on the neck. The result is an elongated and well-stacked spine that many students say they can maintain comfortably because their muscles are not strained.
Ray Bingham, 67, the presiding director of Oracle’s board, was referred to Ms. Gokhale last fall for his lower back pain. Mr. Bingham says he has found relief after using her methods and he diligently practices his newfound ways of sitting, walking and standing. “This is not an approach like physical therapy with a beginning and an end; this is a new way of being from now on,” Mr. Bingham said.

Ms. Gokhale encourages people to take the class with co-workers and family members, so that students can help remind each other to adjust their bodies. But even those who work alone find ways to remember their posture.
After doing a group workshop with Ms. Gokhale this year, Mr. Drudge says many things now remind him to make adjustments — seeing others with poor posture at Starbucks or the gym, passing by his reflection in a window, or sitting down in a chair to work.
“But I don’t beat myself up about it. When I’m aware of my posture, I fix it,” Mr. Drudge said. “And eventually, I think, it becomes who you are.”
A version of this article appeared in print on May 12, 2013, on page BU3 of the New York edition with the headline: The Posture Guru of Silicon Valley.

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