Agoraphobia and Social Security
Agoraphobia is a condition where the sufferer becomes anxious in environments that are unfamiliar or where he or she perceives that they have little control. Triggers for this anxiety may include wide open spaces, crowds, or traveling (even short distances). This anxiety is often compounded by a fear of social embarrassment, as the agoraphobic fears the onset of a panic attack and appearing distraught in public. This video contains some great tops on how to get on Social Security with this condition.
I wanted to make a video for people who had agoraphobia and wanted to get Social Security or SSI. I know some people in whom agoraphobia develops overnight, just like it did for myself, and in some people it takes years to get to that point where they are full-blown agoraphobic. So maybe they’ll have a little bit of doctor records and stuff under their belt. For people like me who never got treated for anxiety or depression or anything like that, prior to developing agoraphobia, now we’re stuck in a situation where if we’re going to leave our home, we know we need a doctor. But what are people like us to do who develop agoraphobia overnight and can’t find a doctor or anybody who wants to support us, but yet we need money to support our family?
Well, I’ll share some of the things that I did. If you go to my website, there is a link on there called “Social Security and Me” that talks about my little journey with Social Security and what happened to me in 2007. Basically, I signed up for Social Security in November of 2007, I got my doctor in November 2007, she was a psychologist. Basically she came to my house, and the first mistake that I made … and make sure that if you get a doctor that she will support your claim … because I came to find out that she wouldn’t give Social Security my medical records once I asked her to. And basically she was anti-Social Security and I couldn’t get her to give up my records. So that is a major problem to say the least because the thing about it is when you tell people you got a problem they say, “Well, sign up for Social Security or SSI”. And what a lot of people don’t think about, apparently, is that you need proof; just like in a court of law you need proof to make your claim. That’s the same thing for Social Security or SSI; you need proof. I would say at least 6 months to a year.
If good solid proof of going to a psychologist, psychiatrist – whatever it is under your belt – before you should even file a claim. And make sure that this psychologist or psychiatrist or general practitioner or whoever you are going to, will give up your records. Make sure you have that conversation before you even call Social Security or go to the Social Security office.
Yes, you can call Social Security and sign up over the phone. You can do your interview over the phone where they ask you what is wrong with you and all that good stuff. Another thing that you might be worried about is: “What if I don’t have enough medical records and they want to send me to a doctor?” And the common misconception even with Social Security themselves is … because when I had my interview on December 3rd of 2007, I told the lady that did the interview “Look, I won’t be able to go to a doctor even if they send me” because she said, “You don’t have many medical record to they’re going to most likely send you to a doctor. Will that be a problem?” I said, “Yeah, it will be because I have agoraphobia”. And she said, “Well, you’re pretty much screwed”. I said, “I bet you I’m not” and come to find out in the end I was right. They sent a psychologist to my house to do my evaluation. It can be done. Don’t let anybody tell you any different. One way to make sure this happens is to call your DDS examiner. Your DDS examiner is the person who handles your claims. Social Security doesn’t handle your claims. They let somebody who’s called a DDS examiner handle your claims; that’s the “Disability Determination Service”. Those are the ones that determine whether you’re disabled or not for Social Security. So make sure that when you get the letters in the mail that says, “This person is your examiner or case worker”, you call him every now and then and ask him, “What’s going on with your case, do you need anything?”. And if you send him paperwork ask him, “Was that good enough, do you need more?” Because the only thing this will do is speed up your claim and it keeps you in contact with your DDS examiner.
99% of people apparently don’t even do this; they just sign up for Social Security and they wait for Social Security to send them a letter in the mail saying “We need this” and then they send it back. They don’t even know if Social Security got the letter or not. So, keep in contact, keep in contact, keep in contact with your DDS examiner. Call them. I cannot stress that enough.
One time, when I signed up Social Security that day and I had that lady telling me, “You will not be able to get Social Security because you won’t be able to go to a doctor for evaluation”. I called a lawyer; I got a lawyer even before I got denied for Social Security, because the lawyer knew over the phone they would deny me. So basically what happened was everything that got sent to me had to go through my lawyer to Social Security. So basically what happened was one day they needed a letter from my doctor. My doctor did an evaluation of me and I called her to give it to me telling her I need it for a medical card, when actually I was going to send it to Social Security and try to get a medical card. So she gave me this big evaluation saying, “He cannot work right now. He’s got Generalized Anxiety Disorder, GAD” and all that different stuff. Which was the truth; she didn’t lie. She gave me two copies; I sent one to my lawyer. About a week later I called my DDS examiner – which a lot of people don’t do – and I asked, “Did you get that?” and she said “No”. I called my lawyer, they said they haven’t received it. And then the lawyer said “We haven’t even received it”. So from that point on I skipped the lawyer. I sent the DDS people the paperwork myself. In the end, the lawyer might not have paper work that the DDS examiner might have that they don’t have, but they can always get it themselves. Right now I’m worried about myself. That lawyer wants just $2,500 whenever it goes to court.
But right now I’m just worried about myself. So make sure you call. That’s an example; she wouldn’t even have got that, and that was a really important part of my case, and I handled it myself. So anyway, I got turned down and the reason why I got turned down was I didn’t have any evidence, I didn’t have anything to backup my claim. And people tell you, when you get denied, even if you have evidence, file it. Yes, that’s true. File it. l file it. If you have a doctor, file it if you have somebody who will back you up and say, “He is messed up in the head, he cannot work for at least a year”. You need your doctor to be able to say “For at least a year”, not 6 months or 8 months. That is one of the conditions that in order to get Social Security disability you have to be disabled for at least a year. The doctor has to put on that letter, “I think for the next year he will be unable to work.” And so those are a few tips.
If you have any more questions be sure to write to me, check out my website www.anxiety-agraphobia.com. The link on there is called “Social Security and Me“. It tells a little bit more about documents that Social Security sent me that I have on my website. Even what the denial letter said. So if you’re curious about any of that, why not check it out. If you have anxiety or some kind of other anxiety disorder, or if you got agoraphobia in particular, be sure to check that out.
Seniors Need a $250 COLA in 2010
The National Committee To Preserve Social Security and Medicare delivered 120,000 petitions to Congress saying “Seniors Need A COLA”.
Senator Bernie Sanders: On October 15th, it is expected that social security administration will announce for the first time in 35 years that seniors will not receive a COLA. Based on the formula, that by law they are obliged to use, they came to the conclusion that there is no inflation this year for seniors, and in fact their understanding is that prices for seniors have declined.
In my view, that is a wrong formulation. And I believe that it simply does not accurately reflect the purchasing habits of seniors. Seniors right now – I know this will come as a great shock – are not rushing out to discount stores to buy laptops, computers or iPods. What seniors now are purchasing, what they need, is health care prescription drugs. And the evidence is overwhelming that seniors spend a disproportionate percentage of their limited incomes on health care and prescription drug needs. And those costs, sadly, are not declining. They are, in fact, going up.
Rep. Peter DeFazio: As Senator Sanders noted earlier, a much more accurate measurement of the poverty level for seniors would show that it’s twice what we measure it at. We don’t have a good measure of what the inflation rate is for seniors. But we do know that pharmaceutical costs continue to escalate, medical care costs continue to escalate. Their rents or mortgages haven’t gone down. Their utilities have likely gone up. You know, nothing else that they have to consume has gone down in price over the last year. So, this modest $250 one-time payment to seniors would be basically equivalent to a 2% cost of living adjustment. It would help them meet some of those bare necessity costs.
Barbara B. Kennelly: And I am here today to deliver a 120,000 petitions saying “Hey, guess what? We need a COLA! Guess what, we’ve got some problems! We are the seniors of the United States. We are the seniors that built this county to be the country it is.” And I’m so delighted that these gentlemen are right behind that.
Let me give you the facts – 43% increase in Part A since 2000, 50% increase in Part B since 2000. Part D – now listen to this – Part D has a 130% increase. Those are prescription drugs.
Senator Sheldon Whitehouse: In Rhode Island, our seniors have a bigger proportion of their income come from social security than almost any other state. And we have seen, with real impact, what the other speakers have described. Which is – seniors seeing electric utility rates go up, seniors seeing pharmaceutical costs go up, seniors seeing all the real costs of their living go up. And with no real help in sight.
Senator Bob Casey: The least that we should do in the midst of the terrible recession, for older citizens and for families all across the country, is to make sure that we can provide some measure of relief that this legislation provides. That’s why we support it, no matter when it would come up, but especially in the midst of this economic darkness that so many families, so many older citizens have had to endure.
Rep. Maurice Hinchey: A failure to provide a Social Security COLA in 2010 for seniors would be a very critical mistake and have a very negative impact on them. And also, given the economic circumstances our country has faced over the course of this past year – actually, over the course of past two years – this economic downturn has pushed a decline in the standard of living of many seniors. Many have seen their home values drop, their pension funds severely decline, and their savings, in many instances, undermined and disappearing.
Estelle Lenet: My name is Esther Lenette and I am a resident of Montgomery county, Maryland. I’m 91 years old, and blessed to still be living independently. My only source of income is Social Security and I want to say that without Social Security, I don’t know where I’d be today. I really don’t. Getting a COLA next year doesn’t mean I’m going to be able to live extravagantly, but it means that I can keep up with my financial responsibilities and pay for the basics, especially the medical care that helps me stay independent. My thanks to the members of Congress for working to pass a COLA for seniors. Thank you!
Geithner Reacts to Social Security and Medicare Crisis
Timothy Geithner: “The Social Security and Medicare Boards of Trustees met this afternoon to complete their annual financial review of the programs and to transmit their Reports to Congress. I welcome my fellow Trustees. I also want to acknowledge the hard work and dedication of the chief actuaries, Stephen Goss and Richard Foster.
For generations, tens and tens of millions of Americans have been able to count on Social Security and Medicare as guarantees that they will be able to live out their senior years in economic dignity and with health security.
This year’s Trustees Reports once again reminds us that the longer we wait to address the long-term solvency of Medicare and Social Security the sooner those challenges will be upon us and the harder the options will be. The earlier we as a nation commit to working together to make the difficult but achievable changes needed to strengthen the solvency of Medicare and Social Security, the more we give the American people time to plan and adjust and the sooner we will be able to ensure that these vital programs will be as important for generations to come as they are now.
That is why even as this President has focused on pulling our nation out of economic recession, he has made clear his commitment to working in a bipartisan way to address the long-term health of Medicare and Social Security. The President deeply understands that re-establishing fiscal responsibility as well as the strength of these two vital programs is essential to the economic and health security in our nation and to our generational responsibility to invest in our children and not simply pass on our debts.
The Medicare Trustees Report makes clear today there is no more important long-term fiscal policy measure than gaining control of the growth of Medicare costs by delivering health care services more efficiently. These savings can only be achieved in the context of a larger effort to control health care costs and improve quality more generally. The most effective entitlement reform measure will be a major health reform that helps bring down the growth rate of national health care spending. The Administration is committed to working with Congress to find ways to control runaway growth in both public and private health care expenditures while helping to ensure that all Americans receive the high quality, affordable health care they deserve. The recent commitment of major health stakeholders to help lower the annual growth rate in costs by 1.5% represents a crucial step in that direction.
The Trustees Reports come to the following conclusions.
- The Medicare program’s financial challenges are larger and more imminent than those of Social Security. Medicare faces demographic challenges, rapidly growing health care costs and the short-term outlook has been hurt by the recession. Medicare’s annual costs were 3.2 percent of GDP in 2008, or nearly three-quarters of Social Security’s, but are projected to surpass Social Security expenditures in 2028 and to reach 11.4 percent of GDP in 2083, compared with 5.9 percent for Social Security.
- Medicare’s Hospital Insurance Trust Fund is projected to become insolvent in 2017, two years earlier than projected in last year’s Report.
- The cost of Medicare’s Supplementary Medical Insurance (SMI) to the federal government is projected to increase rapidly. General revenue financing for SMI is expected to increase from about 1.3 percent of GDP in 2008 to over 4.7 percent in 2083, with continued increases beyond 75 years.
- This year’s Social Security Report projects that the Trust Fund will be exhausted in 2037, four years earlier than the Trustees projected last year. This change is primarily due to the economic recession, recent data that prompted a small downward adjustment to the projected level of real GDP after the economy recovers and the fact that our citizens are on average projected to live longer lives. Nevertheless, Social Security can continue to pay full benefits for nearly 30 years, and cover approximately 75 percent of scheduled benefits thereafter.
Despite projections that Social Security can continue to pay full benefits for nearly 30 years, the sooner action is taken the more options for reform will be available and the fairer reforms will be to our children and grandchildren.
To ensure that these critical programs are there for future generations, the President and his Administration are taking the following steps.
First, we are intently focused on bringing the current economic and financial crisis to an end and getting on with recovery. The return of robust growth will help solve some–but by no means all–of the financial problems of Social Security and Medicare.
Second, we are reforming the health care system to get costs under control and improve quality, which will strengthen the Medicare program and improve the long-term fiscal position of the U.S. government. Just yesterday, the President worked with major health care providers to secure a commitment to reduce costs of care by more than $2 trillion dollars. These voluntary efforts will complement the President’s efforts to enact comprehensive reform to assure quality and affordable health care for every American. The Administration is committed to working with Congress to find ways to control runaway growth in both public and private health care expenditures while ensuring that all Americans receive the high quality, affordable health care they deserve.
Finally, after we have passed health care reform that puts our nation on a path to lower growth in health care costs and expanded affordable coverage, this President will work to build a bipartisan consensus to ensure the long-term solvency of Social Security. The President explicitly rejects the notion that Social Security is an untouchable politically and instead believes there is opportunity for a new consensus on Social Security reform.
The steps that the Administration is taking towards comprehensive health care reform, toward economy recovery and toward deficit reduction will all help preserve Social Security and Medicare for future generations. And they will help produce a more balanced and sustainable growth that improves the lives of all Americans, both working and retired.”
Will this extra money affect my SSI benefits?
Senior Citizen: I get Supplemental Security Income. My brother recently died and left me the money and he had a savings account. Will this extra money affect my SSI benefits? Will my SSI payments stop?
Social Security Representative: I was thinking a little bit about this while I was planning to give the answer. What I really wanted to add to this is that our clients need to actually ask these questions of us. You know, they’re great to talk about on our TV show, but if this is going to happen with a client, when do you think the client should come in and ask the question. You know, ten months after they got the money, or you know, when they find out that their NV will or in the state. Contact us, ask us the question, and we can help the individual to prepare better to have this money actually do have some good. You know, if you’re going to inherit $5,000 and you have to use the money for the funeral expenses, then we’re going to find a way that we don’t count this money if it’s all spent on the funeral bill.
But if you’re going to get that money and you’re going to be able to say pay off your car bill or car loan, then come in and talk to us and we’re going to advise you that the month you get the money that month you’ve got to go in there and actually pay it on this bill, so that you only lose your SSI for the one month.
But try not to ask these questions after the fact. When you’re on a benefit program like SSI, it’s best that the individual contact us. Go right into our website. We’ve got answer to some of these questions right there. You can search it out and ask, you know, income or inheritance affect benefits and the answer would be given to you right on our website, or give us a call and one of our telephone operators would be able to send you a pamphlet on Supplemental Security Income and that might explain the information a little bit better.
Should I retire at age 62 or 63?
Senior Citizen: If I start my retirement benefits at age 63, is the amount I would get the same as age 62?
Social Security Representative: I like to use this question here because the answer is something that most people should just kind of understand, but sometimes people get pension systems mixed up. Social Security does not have a fixed amount for an individual when they get to be 62.
In fact, with my sister, up in Canada, they have a fixed amount that an individual gets because of being a worker in Canada and then you get something above and beyond that. Well, for workers in the United States, we look at how much you’ve earned and paid into the system to figure out how much you’re going to get.
We send out a benefit statement every year. That’s what people need to do. Pull out their benefit statement, you look to see what your benefit is at age 62, what your benefit would be at age 66, if that’s your full retirement age. Well, for that four years, if your difference is $480 and there are 48 months there, well, then you know that your benefit is going to increase $10 per every month that you wait and hold off retirement from age 62.
So do the math, do look at that benefit statement because that’s the first place that you need to start looking when you start doing some retirement planning and you don’t have to wait until, you know, a date of birth. You don’t have to work until January. Sometimes retirement plans are, you know, personal.
Senior Citizen: Right.
Social Security Representative: You know, maybe October is the right time to go out on retirement for you and you can find all that information on our website to help make those decisions.
Senior Citizen: It’s awfully hard to get along anymore without the access to the Internet, isn’t it?
Social Security Representative: Well, and that’s the thing is that if you’re paying for Internet access and you have it at home, use it.
Senior Citizen: Right.
Social Security Representative: Also, we’ve talked to a lot of individuals where the libraries have got Internet access. We have some tribal council organizations that make Internet access available to their members and so use the access where you have availability, but be, you know, safe. Be sure to come right into our website, socialsecurity.gov.
Senior Citizen: Okay, thank you, Mark.
Social Security Retirement Planning
“I’m just curious. How many people think we should delay Social Security as long as possible? A few folks. You’ve seen my talk before? How many think to take it as early as possible. A few folks. Okay.
And actually, the answer… there is not a single answer here. It is a personal decision like we heard earlier from Nick. But I just want to give you some insights into this. First of all, this is a chart which just shows the monthly benefits and this is just an example. We are looking at someone who is earning $75,000 in 2009 and had always been making this amount. This is for a single person and if you’re married, if both of you work, each of you will get a benefit that comes from these kinds of charts and then your household income is just the sum of the two.
If one of you didn’t work or works sporadically then there is a special spouse’s benefit, which I will get to in a second. But just look at this chart. Say you are born in 1950, if you retire at 62, the monthly benefit is $1,470. If you retire at 65 its $1,850. And this person their full retirement as Nick was talking earlier is 66 and so their monthly benefit would be $1,980. And finally if you wait till age 70 the monthly benefit is $2,660. So you can see that there is a pretty dramatic increase in the amount of your monthly benefit if you delay your retirement benefits.
This is the same chart but for a married worker where the spouse didn’t work, and this is just a sum of the workers benefit and the special spouses benefit. But it’s the same pattern, you know, if you delay your benefits then your benefits go up. And so I like this chart. You know, when you put up charts that show percent increases it’s hard to relate to a percent, but here monthly income we can relate to a dollar amount of monthly income. It makes it easier for us to decide what’s the right thing to do. Read more
President Obama on Social Security, Medicare and Medicaid
President Barack Obama addressed Social Security, Medicare and Medicaid in Tuesday’s speech on the economy at Georgetown University.
President Obama: The problem with our deficit and debt is not new. It has been building dramatically over the past eight years, largely because big tax cuts combined with increased spending on two wars and the increased costs of government health care programs. This structural gap in our budget, between the amount of money coming in and the amount going out, will only get worse as Baby Boomers age, and will in fact lead us down an unsustainable path. But let’s not kid ourselves and suggest that we can do it by trimming a few earmarks or cutting the budget for the National Endowment for the Arts. Along with defense and interest on the national debt, the biggest costs in our budget are entitlement programs like Medicare, Medicaid, and Social Security that get more and more expensive every year. So if we want to get serious about fiscal discipline – and I do – then we are going to not only have to trim waste out of our discretionary budget, a process we have already begun – but we will also have to get serious about entitlement reform.
Nothing will be more important to this goal than passing health care reform that brings down costs across the system, including in Medicare and Medicaid. Make no mistake: health care reform is entitlement reform. That’s not just my opinion – that was the conclusion of a wide range of participants at the Fiscal Responsibility Summit we held at the White House in February, and that’s one of the reasons why I firmly believe we need to get health care reform done this year.
Once we tackle rising health care costs, we must also work to put Social Security on firmer footing. It is time for both parties to come together and find a way to keep the promise of a sound retirement for future generations. And we should restore a sense of fairness and balance to our tax code by shutting down corporate loopholes and ensuring that everyone pays what they owe.
All of these efforts will require tough choices and compromises. But the difficulties can’t serve as an excuse for inaction. Not anymore.
How does Social Security know how much a person has earned?
Tom Hess: This one, we leave up to the clients and IRS. The company of the client sends in the W2s every year. The client, if they are self employed, they fill out a tax return, and they submit that to the IRS. So whether it comes in by W2 by a self-employment tax return, that information goes right to the IRS first.
Then, the IRS sends that information or makes that information available to us. So, we take that information and use it in calculating and verifying that a person is eligible for benefits. The IRS is the collection agency. They make sure that it’s there, they make sure that you get credit for it, and so you always have to go back to the IRS if your tax return got lost or whatever, you have to re-file it with them.
If you ever find out that you don’t have credit… well, we send a statement every year to show you how much credit you have got over your lifetime. If you find that there is a gap where your employer didn’t pay in your Social Security contribution for you and it’s not recorded, you can come to us, and we’ll help you get credit for that. But everything goes to the IRS, then it comes to us, and we use that information calculating.
Now, I would like to give the people a little caution as far as when they get that statement from us every year, if it doesn’t show their earnings are on there for last year, that’s not too worrisome, because it takes a while for the IRS to get all the W2s posted, and then that information will come to us. So, we’ll have earnings recorded, but not for the current year and one year into the past. Everything else should be on the record.
Social Security Administration First to Go Live With CONNECT Solution for Nationwide Health Information Network
The Social Security Administration is realizing significant reductions in the time required to obtain medical records to support the processing of disability claims through the use of the Nationwide Health Information Network (NHIN) CONNECT solution developed by Harris Corporation. CONNECT is an implementation of the NHIN specification that enables federal agencies and healthcare providers to quickly and securely exchange patient information electronically over the network. The announcement was made during the HIMSS’09 Healthcare IT Conference and Exhibition being held April 4-8 at McCormick Place in Chicago.
In February, the Social Security Administration (SSA) was the first federal agency to go into limited production on NHIN using CONNECT, in partnership with MedVirginia – one of the most electronically integrated communities of healthcare providers in the country. During 2009, the number of federal agencies participating in CONNECT will be expanded from 6 to as many as 14. In addition to the SSA, limited production pilots are planned by other federal agencies.
“The Social Security Administration is a federal leader leveraging healthcare information technology to accomplish their nationally important mission,” said Jim Traficant, vice president of Harris Healthcare Solutions. “CONNECT delivers secure and seamless health information exchange between federal agencies and with providers in the private sector while assuring patient privacy. CONNECT has the capacity to transform care and benefits delivery for people in need, including our wounded warriors, veterans and their families.”
CONNECT consists of 10 core NHIN gateway services and a software development kit that enables providers to customize their interface. The software was released for general availability by the U.S. Department of Health and Human Services in February. As a result, federal agencies and healthcare providers can create adapters to connect their edge systems to the NHIN and thereby maximize usefulness and productivity within their specific enterprise.
Harris – teamed with partners Agilex Technologies, Inc., Sun Microsystems, Inc., and Scenpro, Inc. – was awarded the original development and integration contract for CONNECT in March of 2008 by the Federal Health Architecture. Harris is also demonstrating CONNECT at its booth during HIMSS’09.
Harris Healthcare Solutions provides enterprise intelligence solutions and services for commercial and government customers, including systems integration, intelligent infrastructure, advanced visualization and display, enterprise digital content management, and IT services solutions. Harris products, systems, and services improve health outcomes by assuring that critical medical information is delivered with security and privacy to the right person, on the right device, at the point of care.
About Harris Corporation
Harris is an international communications and information technology company serving government and commercial markets in more than 150 countries. Headquartered in Melbourne, Florida, the company has annual revenue of $5.4 billion and 16,000 employees — including nearly 7,000 engineers and scientists. Harris is dedicated to developing best-in-class assured communications(R) products, systems, and services. Additional information about Harris Corporation is available at www.harris.com.
Social Security Trust Fund Owns More US Treasury Securities Than China, Japan, Russia and Brazil Combined
The G20 conference in London has drawn our attention to the large amounts of U.S. Treasury securities owned by foreign countries. An intriguing fact which arose from those reports are the proportions of the Social Security Trust Fund’s U.S. Treasury holdings: $2.419 trillion, which is more than three times as much as that of the largest non-U.S. country, and more than China ($739.6 billion), Japan (634.8 billion), Russia (119.6 billion) and Brazil (133.5 billion) combined.
There is a reasonable explanation for this surprising fact, and it lies in the Trust Fund’s obligation to purchase US government paper. This has both advantages and disadvantages. On one hand, it props up the U.S. government, allowing it to spend the money elsewhere while getting itself deeper into debt. On the other hand, the Trust Fund is taking quite substantial risks with no diversification nor any visible recovery option in the immediate future, other than the “full faith and credit of the U.S. government”, which is based on the rapidly eroding belief that the U.S. government can print new money and raise taxes endlessly without losing its credibility.
It’s interesting to note that the Social Security Trust Fund is very open about its financial operations, publishing a complete log of its investment holdings and investment transactions on its website, organized in very accessible databases. A good dip into the depths of that information may certainly lift a few eyebrows. Several peculiarities caught the attention of Bruce Krasting, commentator at the Seeking Alpha blog, who reported on his findings here.
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