January 2008 Archives
A story published on BusinessWeek.com, about Scott Shane's forthcoming book The Illusions of Entrepreneurship, gives us a short description and an interview with the author.
Entrepreneurs don't earn as much as they would if they worked for someone else. That's the message.
Most of the comments that accompany the story (so far) argue against Shane's conclusions, for a variety of reasons.
The interview does point out some things anyone considering starting their own business should know, and do. Nothing you won't find in many primers on startups, but it's good advice. It's the conclusion that seems to be causing a stir.
We wish we could give you a hotlink to the story, but BusinessWeek.com forbids the use of "deep links" on their site. We aren't sure exactly why they don't want traffic from sites that find their content interesting, but whatever the reason, we don't want to violate their terms of use. Can't even link to their terms of use (we suppose) so if you are interested, you'll have to find your way there from their home page. (others have also mentioned this here and here)
What do you think of Scott Shane's conclusion? Entepreneurship is a component of many "retirement" plans these days. (See Susan Reid's post of 1/23) Should we have second thoughts?
Send us a comment, and go to BusinessWeek and leave one there.
FYI - You may "deep link" to any page on ThinkRetirement. Be our guest!
Wow, you go away for a minute and look what happens. Four players have left the field.
Edwards, Giuliani, Kucinich and Hunter are gone. We have a two person race to the finish on the Democratic side and what looks to be a battle between McCain and Romney, with Huckabee and Paul trying to be heard.
Time to catch up. We have fewer plans to evaluate for their positions on retirement issues, hopefully it will be easier to see the differences between their positions.
The Candidate Poll has been revised. If you voted for any of the candidates that have withdrawn, please vote again.
More later...
Seems this warning can't be said often enough.
Hardly any reputable agency or business will ever ask for your Social Security Number online via email or on an unsecured Web site. Those that do still require some caution, but you should know if you have logged into a secure account on a site where you conduct business that requires that kind of identification.
If you aren't sure, don't do it.
Here's a recent article posted on the Seattle Times site. Take a look. The people out there trying to succeed at identity theft are coming up with new tricks all of the time.
http://seattletimes.nwsource.com/html/businesstechnology/2004146199_ptinbo26.html
Hardly any reputable agency or business will ever ask for your Social Security Number online via email or on an unsecured Web site. Those that do still require some caution, but you should know if you have logged into a secure account on a site where you conduct business that requires that kind of identification.
If you aren't sure, don't do it.
Here's a recent article posted on the Seattle Times site. Take a look. The people out there trying to succeed at identity theft are coming up with new tricks all of the time.
http://seattletimes.nwsource.com/html/businesstechnology/2004146199_ptinbo26.html
This is a guest post from Dr. Susan L. Reid. What does "retirement" mean to a person who has successfully woven a passion into their life as an occupation. Comments were not functioning properly on 1/24. If you would like to comment, please try again.
My grandfather worked as an electrician up until the day he died, he was 98. My father worked as an expert psychological witness up until three months before his passing. What about me? What will I do? I expect I will do the same. Why? Because I am an entrepreneur, as were my father and grandfather before me. They enjoyed their work, found meaning and value in what they did, and were passionate about making a difference in the world. Me, too.
The Changing Face of Retirement
Retirement, and how we view retirement, has changed dramatically since the beginning of the 20th century. Particularly since WWII when pension plans became standard offerings to U.S. workers. Prior to that, most workers continued working until their death, relying on personal savings and family support to sustain them.
While 65 is considered the normal retirement age in the U.S., many midlife entrepreneurs eschew that age, preferring instead to remain actively involved in their businesses, well into their 80s. And entrepreneurship among seniors is growing! Nearly half the country's self-employed workers — 7.4 million — are Baby Boomers, reports the U.S. Department of Labor.
People turning 50 today have about half their lives ahead of them, and each year more than four million men and women join their ranks. So, what is retirement, then? Is it the time when you stop work completely or is it the time when you retire from one job and begin another? Does it begin at a certain age or depend on the number of years you have served in a specific capacity? Is it based on your physical condition or your personal choice?
Today retirement is what you make it. The Baby Boomer generation is redefining retirement, shunning the conventional traditions of stopping, ceasing, and leaving in favor of staying involved, continuing to contribute, and following their passion. That’s why it makes sense to be a midlife entrepreneur.
10 Reasons for Being a Midlife Entrepreneur
If you are in your 40s or 50s, you’ve already begun to think about retirement. But what is retirement? Is it a stopping point or a place to start? An ending or a beginning?
What are your thoughts on retirement? Does it make sense to you to be a midlife entrepreneur?
Dr. Susan L. Reid is a Small Business Start Up Coach, Consultant, Online Accidental Prenher™ and author of Discovering Your Inner Samurai: The Entrepreneurial Woman's Journey to Business Success
My grandfather worked as an electrician up until the day he died, he was 98. My father worked as an expert psychological witness up until three months before his passing. What about me? What will I do? I expect I will do the same. Why? Because I am an entrepreneur, as were my father and grandfather before me. They enjoyed their work, found meaning and value in what they did, and were passionate about making a difference in the world. Me, too.
The Changing Face of Retirement
Retirement, and how we view retirement, has changed dramatically since the beginning of the 20th century. Particularly since WWII when pension plans became standard offerings to U.S. workers. Prior to that, most workers continued working until their death, relying on personal savings and family support to sustain them.
While 65 is considered the normal retirement age in the U.S., many midlife entrepreneurs eschew that age, preferring instead to remain actively involved in their businesses, well into their 80s. And entrepreneurship among seniors is growing! Nearly half the country's self-employed workers — 7.4 million — are Baby Boomers, reports the U.S. Department of Labor.
People turning 50 today have about half their lives ahead of them, and each year more than four million men and women join their ranks. So, what is retirement, then? Is it the time when you stop work completely or is it the time when you retire from one job and begin another? Does it begin at a certain age or depend on the number of years you have served in a specific capacity? Is it based on your physical condition or your personal choice?
Today retirement is what you make it. The Baby Boomer generation is redefining retirement, shunning the conventional traditions of stopping, ceasing, and leaving in favor of staying involved, continuing to contribute, and following their passion. That’s why it makes sense to be a midlife entrepreneur.
10 Reasons for Being a Midlife Entrepreneur
- You’re healthier and living longer.
- You want to stay involved and engaged.
- You enjoy generating extra income.
- You get to build a business around something you enjoy and are passionate about.
- You have a full rolodex and 20-30 years of experience to back you.
- You want the independence and flexibility that comes from working for yourself.
- You have confidence and experience, and know what you’re good at.
- You may already have a pool of money saved to help finance your business.
- You can do business from home, using the Internet as your storefront.
- You aren’t discriminated against because of your age.
If you are in your 40s or 50s, you’ve already begun to think about retirement. But what is retirement? Is it a stopping point or a place to start? An ending or a beginning?
What are your thoughts on retirement? Does it make sense to you to be a midlife entrepreneur?
Dr. Susan L. Reid is a Small Business Start Up Coach, Consultant, Online Accidental Prenher™ and author of Discovering Your Inner Samurai: The Entrepreneurial Woman's Journey to Business Success
ThinkRetirement is but one stop on Susan's Virtual Book Tour. Visit WME Books to see the tour itinerary and see where she's been and where she's going!
Susan's main site is Alkamae.com. Check out her blog.
You can buy Discovering Your Inner Samurai: The Entrepreneurial Woman's Journey to Business Success directly from WME Books.
Or, through Amazon.com.
Susan's main site is Alkamae.com. Check out her blog.
You can buy Discovering Your Inner Samurai: The Entrepreneurial Woman's Journey to Business Success directly from WME Books.
Or, through Amazon.com.With all the news media buzzing about Recession, predictions of a crumbling real estate market, and questions about who is going to fix it all and how soon, we got to wondering if there would be a corresponding uptick in opportunites to buy retirement housing at lower prices? Moving to a retirement community in Florida is the goal of many, so we looked on the Internet for someone who might know and came up with the following entry on Topretirements.com. It would appear that the prices have not begun to fall significantly across the board, but there are some sellers and realtors who want to move their property and are lowering their prices accordingly.
Two recent driving trips through Florida, from Jacksonville to Key West (and back) support the article's suggestion that there is plenty of real estate to be had. Our own observations are that properties that have been on the market for over two years are often still listed at the same price as the initial listing, or only slightly less.
The real opportunities may still be out there.
(If you can sell the home you have, and move... another topic for another time)
Retirement community news blog - Topretirements
http://www.topretirements.com/blog/MediaMatters.org draws attention to a report on The Situation Room, where the storyline is based on the assumption that Social Security will run out in 2041, contrary to government reports that refute that claim. The story goes on with reporting on how various Presidential Candidates will address the issue.
Is it spin, or just bad reporting on CNN's part? It's one thing for a television "news" show with a particular point of view to spin a story the way they want, using unsubstantiated fears as a pivot to leverage opinion. Hopefully,most of us can see those shows and "news reports" for what they really are, but what is this?
We seriously doubt whether "Everybody knows" and "Voter's know" would never qualify as substantiation for a story in any journalism course.
It doesn't help the dialogue and certainly doesn't serve the public interest for our news outlets to crank out stories that aren't supported by facts they can cite. It's called "fact checking" and it used to be a requisite part of reporting.
Take a look at the video linked on the mediamatters.org page.
It's not like there aren't some real issues that need to be addressed in terms of the viability of Social Security and it's funding, but the scare tactic that it's going to run out of funds and that everyone knows that to be true is simply unprofessional for someone who thinks of themselves as a journalist.
Media Matters - CNN's Chernoff falsely claimed Social Security
will "be out of money in 2041"
http://mediamatters.org/items/200801230001?f=h_latestwill "be out of money in 2041"
Check here tomorrow. Dr. Susan Reid, author of "Discovering Your Inner Samurai: The Entrepreneurial Woman's Journey to Business Success," will be our guest blogger as part of her Virtual Book Tour.
We are excited to have Dr. Reid as our guest and look forward to her insights into "retirement."
A post on the DMI blog about Monday's Democratic Debate in South Carolina, points out that the term "universal" when applied to the candidate's health care plans is not to be construed to mean that everyone will be covered. Universal does not equate to everyone, and does not mean that everyone has a "right" to health care. The post points out that only Dennis Kucinich proposes that health care be a right. The other plans attempt to make it "more available," if you can pay for it, or find someone else (employer) to pay for it. Estimates are that 15 million people in the US will remain uninsured.
From a retirement perspective, health care costs can rapidly deplete retirement savings, and access to good health care coverage becomes more difficult as one ages. Medicare is there, but many retired persons augment Medicare with additional coverage obtained from private insurers.
The next administration will face big challenges in the health care arena. How effective they will be in changing the status-quo will depend on where they are coming from.
http://www.dmiblog.com/archives/2008/01/presidential_candidates_are_no.html
Presidential Candidates Are Not Serious About Protecting
Our Health | DMI Blog
Our Health | DMI Blog
AP is reporting Fred Thompson's withdrawal from the 2008 Presidential race. No Endorsement at this time.
Note: The Fred Thompson votes in our informal poll on the candidates will be removed from the results. If you voted for Fred Thompson, you may cast your vote for one of the remaining candidates.
The Democratic Candidate debate in South Carolina pushed the subject of health care reform to the point where the differences in the three major candidates proposals become more evident. It's easy to think they are all basically the same in sound bites, but there are differences, and the opportunity for the candidates to explain that to the public, even if the discussion becomes combative, is welcomed.
Much is being made of the confrontation that took place between Clinton and Obama in the debate last night, and perhaps we saw something of the character and tenacity of all three of the participants. Beyond that, the real education was in the subject of the discussions and the health care plans were part of it.
Here's a brief article from Rolling Stone on the subject, as we find more detailed arcticles on the debate and the issues, they will be posted.
Here's an older article from the Washington Post Blog on the differences between the Clinton and Obama plans.
Kentucky Senator Johnny Ray Turner has filed a Senate Resolution to amend Title II of the Social Security Act, to repeal provisions that limit or reduce benefits for public sector employees that receive pension or social security benefits that come from employment outside of their government employment. Teachers, in particular, are affected by this.
Should Government worker benefits be reduced because they worked additional jobs to augment their income?
From - WKYT - WYMT News 57 Mountain News Homepage
"The National Education Association estimates that 300,000 individuals are losing an average of $3,600 a year due to the Government Pension
Offset provision.
Turner said the Windfall Elimination provision impacts the teaching profession because people are less likely to leave other careers in which they earn Social Security benefits to become educators.
The Government Pension Offset and Windfall Elimination provisions have the severest effect on widowed lower-income women who have worked hard for years and can least afford reduced benefits."
A good article on the changing definition of the word "retirement." Bruce Johnson writes for the Leader Post on the Canada.com network. The subject is Sherry Cooper's new book, The New Retirement: How It Will Change Our Future.
Cooper's book explores the history of "retirement," and how lifestyles of the boomer demographic are revising the definition of what it means to be "retired."
Bruce Johnson:
"Our traditional view of retirement as that twilight period when we quit working and spend our remaining days shuffling around the garden, cottage or old folks' home is an obsolete concept that should be, well, retired."
Quote from Sherry Cooper:
"The notion of withdrawing and winding down when you retire, like not being able to move or function or participate, that's just so outmoded''
(yes, there are "boomers" in Canada, too!)
We've put a new Google search box on the sidebar that lets you search the individual candidate sites for your keywords or phrases. Find out what their positions are, or what they've said about the issues that concern you.
This search will include every page on the candidate's site, including issues pages, press releases, blog entries and news articles.
Just enter your word or phrase in the search box, click the radio button preceding the name of the candidate's web site and then click "Search." You can also search the whole Web (the default), so don't forget to pick a candidate's site if that's what you're after.
We hope you find it useful.
From IndustryWeek
IndustryWeek.com is reporting that a survey done by Robert Half International found that boomer retirement ranked higher that other issues. At the core of the question are issues of loss of expertise and the desire of potential retirees for flexible plans that can accommodate continued employment, reduced hours on the job, and the ability to pursue outside interests.
Are any of you finding that your employers are offering such plans?
If you used information on a 1099-SSA form, and have already filed your return, you should file an amended return when you receive an updated 1099-SSA. The revised forms are in the mail.
From SmartPros.com
"The incorrect data was contained on some 1099-SSA forms sent out earlier this month, said Mark Lassiter, spokesman for the agency in Baltimore.
The 1099s are sent to all persons who receive Social Security benefits, reporting how much they received during the year. That information is needed to fill out income tax returns. The Internal Revenue Servicereceives copies of the 1099s, which are matched to returns by computer.
Corrected forms will be sent to all affected Social Security recipients and to the IRS by the end of the month, Lassiter said. Because corrected information is on the way, he said the Social Security Administration decided not to tell the public about the mistake until asked about it by a reporter."
USA Today is running a week-long series of articles of interest to new retirees. Today's article is a Q&A on several topics regarding decisions on when to take retirement benefits, including questions about spousal and dependent benefits.
It's hard to find anyone that says the system will remain as it is now with no changes. The question is what changes are being advocated, who is behind the proposals, what segment of the population is going to be compromised and why.
The article on whether the benefits of boomers are at risk is an interesting read in itself, but so are the comments.
In an article on NationalReview.com, James Capretta says all of the Democratic candidates health care plans would eventually lead to government controlled health care, regardless of the differences in their individual proposals, citing a Robert Reich article from the Wall Street Journal.
It does appear that the health care issue aspect of the campaign is split on partisan lines, with the Democrats advocating universal coverage plans that involve government and private insurance, and the Republicans advocating private insurance for those that can afford it. Easily lost in the discussion are questions of affordability, the cost and consequences to our society of those that are uninsured, and the impact of either solution on the practice of medicine, healing and raising our standard of living.
Take a look at the article. Though Capretta is writing from a particular point of view, it does point out that much of what we will hear during the campaign, from candidates of both parties, when we hear the words "health care" is really about politics and political expediency in terms of satisfying constituents, and not so much about our health and well being.
Medical News Today reports that a study done by the American Institutes for Research indicates that policy changes are required to bolster the security of programs which aid lower income seniors. Policy changes that don't rely on reduction of benefits or reliance on privatization are recommended. The article points out that even seniors with the benefit of 401k plans can be at risk of decline should market conditions reduce the value of their securities and that a health crisis can overwhelm the finances of those with modest means.
The arguments for and against privatization as a solution to both Social Security and Health Care issues has many facets, and one of the most serious questions is whether individuals have the means to take advantage of plans that propose to provide incentives for private solutions. For many, and especially those who do not have employer provided health insurance, the cost of private plans is greater than their income will allow, even with incentives and subsidies. When they can afford them, the deductibles and limited coverage leaves them with bills they can ill afford if even the most minor of health issues arise. And remember, the lowest cost policies provide only the most basic coverage. Many services and fees are not covered.
Many studies cite health care issues as the primary cause of financial breakdown. The costs of modern health care can be staggering. Any plan, government or private, must take into account the ability of those covered to stay covered, or it's not adequate, and not really a plan at all.
All of the links to issue pages that appeared in the previous "What does ------ (candidate) Say?" posts are now on one page here.
A press release from The Aspen Institute announces Christine Todd Whitman, Julie Gerberding and Joseph Hogan will join Mark Ganz to Lead Aspen Institute Health Stewardship Project.
One facet of the project is to formulate questions for the candidates and publish the questions and responses.
"We are calling on the candidates and the public at large to prioritize stewardship of our shared health resources in the same sense that we prioritize stewardship of the environment," Gov. Whitman said.
From prnewswire via earthtimes.org
http://www.earthtimes.org/articles/show/christine-todd-whitman-julie-gerberding-and-joseph-hogan-join-mark,255665.shtml
Another article on the same project referred to the current system as "broken" and suggested the candidates were going to get an "earful."
http://www.snowmassvillagesun.com/home.php?content=article&article=3402 - Snowmass Village Sun
Hope they do!
According to a story on NPR, four of the seven Republican candidates declined to respond to the question of how they are covered for health insurance.
When the question was initially asked, only one of the candidates of either party responded, but eventually all but the four provided a response. Admittedly, this is personal information that some people would consider private. However, Health Care (including care for retiring Boomers) is a major issue in the campaign and the ability of the general population to acquire and afford health insurance is central to the candidates positions, and in many cases is a differentiating factor.
Should the candidates solutions to their own health insurance issues be known by the voting public? Is transparency on this subject warranted? Is this any different than other disclosures that candidates are expected to make? What is the downside of disclosure?
Read the article to see how what seemed like a simple question turned out to be something else.
NPR : Health Care's a Big Issue. Who Covers Candidates?
http://www.npr.org/templates/story/story.php?storyId=18033917From The Mike Gravel for President Website
"On Friday January 18, at 2 p.m. EST, Senator Gravel will participate in an informal discussion of Health Care issues with Dr. William Brody, President of Johns Hopkins University. The Senator’s interview will be one in the five part series Health Care ’08 – Search for Solutions. This series is presented by Retirement Living TV, Johns Hopkins University and the National Coalition on Health Care. The series will give Senator Gravel and others an opportunity to address the health care crisis facing Boomers and Seniors.
2008 Presidential Candidates and other Public Leaders Address Changes in the American Healthcare System Impacting Boomers and Seniors
Washington, DC – January 11, 2008 – Retirement Living TV (RLTV), in association with Johns Hopkins University and the National Coalition on Health Care (NCHC), announced today that they are producing a multi- part series, Healthcare ’08: Search for Solutions. The series begins airing January 14 at 2 p.m. EST on RLTV. AARP, Johns Hopkins University, NCHC and RLTV will also make the series available on their websites.. Healthcare ’08: Search for Solutions will give the presidential candidates and other public leaders an informal forum to discuss their views on the possible solutions to the healthcare crisis facing Boomers and seniors in America."
You learn something every day. We had no idea how the Social Security Disability Claim process worked, but if this is what we have to look forward to when dealing with a claim, we're unhappy to find out.
We picked up this story on Denial at the Hearing Level
from Propeller.com
Do you have a story about Social Security Disability?
Another entry in a series that links to material posted on the web sites of the candidates.
What Does Mike Gravel Say?
The Gravel2008 site has a page that addresses a wide range of issues, including Health Care and Social Security.
http://www.gravel2008.us/issues
These links may change over time, and the candidates may provide more information. We'll post current links when we find them.
Another entry in a series that links to material posted on the web sites of the candidates.
What Does Duncan Hunter Say?
The GoHunter08 site has a single issues page that includes Health Care. At the time of this post, there is no mention of Social Security on that page.
http://www.gohunter08.com/inner.asp?z=4
These links may change over time, and the candidates may provide more information. We'll post current links when we find them.
Another entry in a series that links to material posted on the web sites of the candidates.
What Does Alan Keyes Say?
Health Care: http://www.alankeyes.com/issues_list.php#health_care
Social Security: http://www.alankeyes.com/issues_list.php#social_security
These links may change over time, and the candidates may provide more information. We'll post current links when we find them.
The Detroit Free Press has published a summary of the candidates positions on Health Care and takes a position.
"OUR VIEW: The editorial board's position
The best, most efficient solution to rising health care costs and the swelling ranks of the uninsured is a government-sponsored, single payer system. But that is a long way off, at best, and it ultimately may represent too large a step away from Americans’ marketdriven instincts. In the breach, we have embraced VEBAs that remove health costs from employers’ bottom lines and may achieve further cost savings; programs such as SCHIP, which expands Medicaid eligibility for poor children; and experiments with universal health care programs in states such as Massachusetts and California."
http://www.freep.com/apps/pbcs.dll/article?AID=/20080113/NEWS15/80113011/1068/OPINION
Very few of the doctors we've seen over the past 20 years handle insurance claims. Most of them require payment directly, and leave the insurance paperwork and payment negotiation to their patients. It's not difficult to see why they have chosen this stance when one sees the insurance company challenge treatments, deny or reduce payments and delay payment through formalities or misplaced paperwork.
Two reasons we hear from physicians for not dealing with patient insurance are:
- Health Care insurance company policies inhibit their ability to practice medicine by limiting their choices of treatment.
- The cost of handling insurance company paperwork is unprofitable and bad for their business.
Suzie, MD gives us an example of how health care insurance company policies and practices affect her profession in both ways.
"I thought it was all about controlling cost but it's not. Out attempt to do so has created a very inefficient and bureaucratic system that thrives on paper work and authorizations. It seems to me the more we pay for health insurance the more limited our options and the more out of pocket expenses. I don’t hear any of the politicians addressing those points."
Is the system really working when the business of medicine becomes the business of profitability, and that profitability is measured primarily by dollars and not units of "care?"
Do your doctors process your insurance claims?
Another entry in a series that links to material posted on the web sites of the candidates.
What Does Ron Paul Say?
Health Care:
http://www.ronpaul2008.com/issues/health-care/
http://www.ronpaul2008.com/issues/health-freedom/
Social Security;
http://www.ronpaul2008.com/issues/social-security/
These links may change over time, and the candidates may provide more information. We'll post current links when we find them.
Another entry in a series that links to material posted on the web sites of the candidates.
What Does Fred Thompson Say?
Health Care: http://www.fred08.com/Principles/PrinciplesSummary.aspx?View=OnTheIssues
Social Security: http://www.fred08.com/virtual/socialsecurity.aspx
These links may change over time, and the candidates may provide more information. We'll post current links when we find them.
Another entry in a series that links to material posted on the web sites of the candidates.
What Does Dennis Kucinich Say?
Health Care: http://www.dennis4president.com/go/issues/a-healthy-nation/
Social Security:
http://www.kucinichonline.com/pdfs/Kucinich_Social_Security.pdf
http://www.kucinichonline.com/pdfs/Kucinich_Seniors.pdf
http://www.kucinichonline.com/pdfs/Kucinich_Universal_Health_Care.pdf
These links may change over time, and the candidates may provide more information. We'll post current links when we find them.
Forbes is reporting that Thomson Financial is reporting that Moody's is cautioning that in the very long-term, if reforms are not carried out, Social Security and Medicare could threaten the US government "AAA" rating.
The Newshoggers cites data that suggests this is an unfair portrayal of the impact social security will have on the equation, but points out that the health care issues are matters of concern.
Is Moody's over-correcting as a result of the fallout of the sub-prime collapse?
(The announcment is a wonderful example of financial reporting, too. "If this and if that, unless the other and maybe." Classic!)
From the Today Show: Authors Jeri Sedlar and Rick Miners talk about why baby boomers should rewire not retire and use their free time to explore their curiosities.
Rethink your retirement plans
Rethink your retirement plans
Note: The video is hosted on MSN. If you have a Mac and use the Safari web browser, it won't play. It will play on your Mac if you use the current or a recent version of FireFox. Thanks, MSN... and Apple... (Get Firefox here)
Another entry in a series that links to material posted on the web sites of the candidates.
What Does John Edwards Say?
Health Care: http://www.johnedwards.com/issues/health-care/
Social Security: http://www.johnedwards.com/issues/seniors/
These links may change over time, and the candidates may provide more information. We'll post current links when we find them.