Podcasts about Federal Register

Join Sarah for a rundown of this week's updates for insurance agents, featuring her deep dive into the CMS 2025 ACA Marketplace Integrity and Affordability Final Rule.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Connect With Us On Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Resources: 5 Things About the Insurance License Exam, 1 Year Later: https://lnk.to/asgf20250620 Are You Self-Sabotaging Your Insurance Sales Success? https://ritterim.com/blog/are-you-self-sabotaging-your-insurance-sales-success/ Four Reasons Why Ritter Should Be Your FMO Insurance Agency: https://ritterim.com/blog/four-reasons-why-ritter-should-be-your-fmo-insurance-agency/ How to Build Intentional Value ft. Neil Reich: https://lnk.to/reich2025 Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Seven Figures or Bust Episode 79 - What Is CMS Doing? w/ Special Guest Sarah Rueppel! https://lnk.to/qzTwIw Summer 2025 Survival Guide: https://lnk.to/asgf20250606   References: “2025 Marketplace Integrity and Affordability Final Rule.” CMS.Gov, CMS, 20 June 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-final-rule. “2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare and Medicaid Services, 10 Mar. 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule. “CMS Finalizes Major Rule to Lower Individual Health Insurance Premiums for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 20 June 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans. Minemyer, Paige. “CMS Finalizes Rule Aimed at ‘improper' Sign-Ups on the ACA Exchanges.” Fiercehealthcare.Com, Fierce Healthcare, 20 June 2025, www.fiercehealthcare.com/regulatory/cms-finalizes-rule-aimed-improper-sign-ups-aca-exchanges. Minemyer, Paige. “Democrats Introduce Bill to Establish a Medicare ‘part E' Public Option.” Fiercehealthcare.Com, Fierce Healthcare, 16 June 2025, www.fiercehealthcare.com/regulatory/democrats-introduce-bill-establish-medicare-part-e-public-option. Mercado, Darla. “Fed Decision Recap: Central Bank Signals Stagflation Fears, Powell Says Fed ‘Well Positioned to Wait' on Rates.” CNBC.Com, CNBC, 18 June 2025, www.cnbc.com/2025/06/18/fed-meeting-live-updates-feds-interest-rate-projections-loom.html. “HHS Secretary Kennedy, CMS Administrator Oz Secure Industry Pledge to Fix Broken Prior Authorization System.” HHS.Gov, Department of Health & Human Services, 23 June 2025, www.hhs.gov/press-room/kennedy-oz-cms-secure-healthcare-industry-pledge-to-fix-prior-authorization-system.html. Minemyer, Paige. “Mehmet Oz: Insurers' Prior Auth Pledge ‘an Opportunity for the Industry to Show Itself.'” Fiercehealthcare.Com, Fierce Healthcare, 23 June 2025, www.fiercehealthcare.com/regulatory/oz-insurers-prior-auth-pledge-opportunity-industry-show-itself. “Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability. Accessed 25 June 2025. Schneider, Howard. “Powell Repeats Rate Cuts Can Wait as Fed Studies Tariff Impacts.” Reuters.Com, Reuters, 24 June 2025, www.reuters.com/business/powell-repeats-rate-cuts-can-wait-fed-studies-tariff-impacts-2025-06-24/. Simmons-Duffin, Selena. “RFK Jr. and Dr. Oz Say Health Insurers Will Cut Red Tape on ‘Prior Authorizations.'” NPR.Org, NPR, 24 June 2025, www.npr.org/sections/shots-health-news/2025/06/24/nx-s1-5442713/rfk-jr-dr-oz-health-insurance-prior-authorization.   Not affiliated with or endorsed by Medicare or any government agency.

The Consumer Financial Protection Bureau is set to withdraw a Biden-era rule aimed at cracking down on data brokers and their selling of Americans' personal and financial information. In a notice in the Federal Register, the CFPB said legislative rulemaking on the data broker industry “is not necessary or appropriate at this time,” and the agency does not plan to “take any further action” on the proposal. The notice was issued by Russell Vought, acting director of the agency, head of the Office of Management and Budget and a Project 2025 architect. The withdrawal of the rule, which was first reported by Wired, comes after President Donald Trump's initial nominee to lead the CFPB signaled to Congress in February an openness to continuing Biden administration data-broker rules. Jonathan McKernan, a former Treasury Department and Federal Housing Finance Agency staffer, told the Senate Banking Committee that Rohit Chopra — President Joe Biden's CFPB director — “was onto something” with his policies targeting data brokers and data aggregators. The CFPB's withdrawal notice took particular issue with the rule's focus on the Fair Credit Reporting Act, saying that the proposal was “not aligned with the Bureau's current interpretation of the FCRA, which it is in the process of revising.” The Senate on Wednesday voted 54-43 to confirm businessman Emil Michael as undersecretary of defense for research and engineering and the Pentagon's chief technology officer. In that position, Michael will serve as the primary advisor to the secretary of defense and other Defense Department leaders on tech development and transition, prototyping, experimentation, and management of testing ranges and activities. He'll also be in charge of synchronizing science and technology efforts across the DOD. Michael comes to the job from the private sector, where he's been a business executive, advisor and investor. He told members of the Senate Armed Services Committee that he's been involved with more than 50 different tech companies during his career. Perhaps most notable, from 2013 to 2017, he was chief business officer at Uber. In government, he previously served as special assistant to the secretary of defense when Robert Gates was Pentagon chief. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Issue(s): Whether a final action by the Environmental Protection Agency taken pursuant to its Clean Air Act authority with respect to a single state or region may be challenged only in the U.S. Court of Appeals for the District of Columbia Circuit because the agency published the action in the same Federal Register notice as actions affecting other states or regions and claimed to use a consistent analysis for all states.  ★ Support this podcast on Patreon ★

In this episode of 1st Talk Compliance, Kevin Chmura is joined by Rachel Rose, JD, MBA, to discuss the HIPAA Privacy Rule to Support Reproductive Healthcare Privacy, passed in 2024. With the reproductive healthcare landscape being very dynamic, this new rule has already passed one compliance date, with a second important date coming in February 2026. Tune in to learn about this new rule, and what it means in terms of reproductive health, patient privacy, and the legality between different states. In addition, learn some best practices for implementing the requirements of this rule into your practice. Kevin Chmura Rachel, thank you for joining us. Appreciate you joining us and looking forward to a timely discussion.   Rachel V. Rose Thank you, Kevin, for having me, as well as to Panacea and First Healthcare Compliance, it's always my pleasure to coordinate and converse with you on our favorite healthcare compliance topics.   Kevin Chmura And it's always great having you helping us with this and your expertise is invaluable. And you helped us and were the contributor, really writer, of an e-book on this particular subject that will be released very soon. Really this podcast is somewhat of a companion piece to that. And so what we're talking about today is the HIPAA privacy rule to support reproductive health care privacy, passed in 2024. Reproductive health is a prominent and evolving topic within the healthcare policy landscape. It really, major changes have come down in recent years, and so there's just a ton. So we thought it would be great to publish a book to get everybody up to speed and, but moreover, this podcast is an opportunity for people to hear directly from the person who helped us develop that. And that is Rachel. So, Rachel, I wonder, can you just start off by giving us a synopsis of the 2024 Final Rule, maybe some key terms we should be thinking about?   Rachel V. Rose Sure. As you mentioned, Kevin, the reproductive healthcare landscape is very dynamic and the rule itself was issued on April 22nd of 2024 with an effective date of June 25th of 2024. And basically what an effective date does is to start the clock running as to when certain requirements need to be implemented. In this particular rule, which I will refer to as the HIPAA Reproductive Rule, has two prongs of compliance dates. The first already passed and that had to be done by December 23rd, 2024. And for your clients who were with First Healthcare Compliance or Panacea at the time, they were able to access FAQs. And the first prong of the requirements really addressed every applicable item that I'll run through, with the exception of the notice of privacy practices. Now, for anyone who's been in the healthcare sector for a long time, and for anyone who goes to the doctor, a dentist or even a pharmacy to pick something up, we all know we have to sign the HIPAA authorization form, and then covered entities are required to post their notice of privacy practices. So the updated privacy practices, which need to include some of the reproductive health requirements among other items, does not need to be done until February 16 of 2026. So this is similar to the staggering of the compliance dates which we saw with the Final OmnibusRrule, which was published in the Federal Register, it's hard to believe, but going on over 12 years ago and that was January 25th of 2013. Now specifically, the HIPAA reproductive rule really prohibits the disclosure of protected health information related to in these terms I need you to focus on: lawful reproductive health care in certain circumstances. And the reason it's important is because legal means that whatever service or good is being sought, it has to be legal within the jurisdiction where the individual is receiving that care or that good, so to speak. And so if we want to take certain types of surgeries or certain types of procedures that in a viable fetus's lif...

Erik Wetterling, Founder and Editor of The Hedgeless Horseman website, joins us to discuss three junior gold exploration companies that have put out recent newsflow to the market; where he is attracted to their current value proposition.   Altamira Gold Corp. (TSXV: ALTA) (OTC Pink: EQTRF) announced May 5th the results of an independently assessed, maiden mineral resource estimate for the Maria Bonita porphyry gold deposit within the Cajueiro Project. Maria Bonita is a separate discovery, located 7km to the west of, and additional to, the Cajueiro Central Mineral Resource (previously reported under NI 43-101). The maiden open-pit resource consists of total Indicated Resources of 24.19Mt @ 0.46g/t gold (for a total of 357,800oz) and Total Inferred Resources of 25.64Mt @ 0.44g/t gold (for a total of 362,400oz). These resources include near-surface saprolite Indicated Resources of 2,02Mt @ 0.59g/t gold (for a total of 38,000oz) and Inferred Resources of 0.68t @ 0.40g/t gold (for a total of 8,700oz).   Goliath Resources Limited (TSX-V: GOT) (OTCQB: GOTRF) announced May 5th that the world renowned JDS Energy & Mining Inc. has been engaged to assess the viability, permitting and development of an underground exploration adit at Surebet, at its 100% controlled Golddigger property, Golden Triangle, British Columbia. The Company has tasked JDS with an exploration adit to access a broad expanse of the gently-dipping, high-grade gold lode called the Bonanza Zone that sits approximately 200 meters above the valley floor. This adit will enable underground drilling of extensive parts of the overall Surebet lode system thus lowering drill meters required for advanced resource work, and potentially enable a longer drill season at the project.   K2 Gold Corporation (TSXV: KTO) (OTCQB: KTGDF) announced May 5th that the United States Bureau of Land Management (BLM) has released the Draft Environmental Impact Statement (DEIS) for K2's Mojave Exploration Drilling Project in Inyo County, CA. The BLM has also published a Notice of Availability in the Federal Register, opening the final 45-day comment period on the project. This is a key milestone for the company as they approach the end of the permitting process to commence drilling, and comes on the back of years of diligent environmental studies, community engagement, and collaboration with regulatory agencies.   * In full disclosure, the companies mentioned by Erik in this interview, are positions held in his personal portfolio, and also may be site sponsors of The Hedgeless Horseman website at the time of this recording.  Additionally, Shad is also a shareholder of Goliath Resources at the time of this recording.   Click here to visit Erik's site – The Hedgeless Horseman

Join Sarah as she dives back into CMS regulations! This week, she highlights 5 regulations from the 2026 Medicare Advantage and Part D Final Rule.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411 CMS 2025 Marketplace Integrity & Affordability Proposed Rule: https://lnk.to/asgf20250314 CMS Updates to MA and Part D for CY 2026: https://lnk.to/asgf20250425 Expanded Medicare Telehealth Benefits Extended Through September 2025: https://ritterim.com/blog/expanded-medicare-telehealth-benefits-extended-through-september-2025/  Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/   References: “CMS Finalizes 2026 Payment Policy Updates for Medicare Advantage and Part D Programs.” CMS.Gov, Centers for Medicare and Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-2026-payment-policy-updates-medicare-advantage-and-part-d-programs. “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” Federalregister.Gov, Federal Register, 15 Apr. 2025, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare.     Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

  The Friday Five for April 25, 2025: Dr. Oz shares MAHA vision as CMS admin CY 2026 Part D Coverage Cost Breakdown CY 2026 Selected Drug Subsidy Cost Breakdown Provisions Not Finalized in 2026 MA and Part D Final Rule Impact of Non-Finalized Provisions on Agents   Dr. Oz shares MAHA vision as CMS admin: Simmons-Duffin, Selena. “5 Things to Know as Dr. Oz Prepares to Lead Medicare and Medicaid.” NPR.Org, NPR, 3 Apr. 2025, www.npr.org/sections/shots-health-news/2025/03/25/g-s1-55766/dr-mehmet-oz-medicare-medicaid-cms-trump. “Dr. Mehmet Oz Shares Vision for CMS.” CMS.Gov, Centers for Medicare & Medicaid Services, 25 Apr. 2025, www.cms.gov/newsroom/press-releases/dr-mehmet-oz-shares-vision-cms. Olsen, Emily. “Dr. Oz Sworn in as CMS Administrator.” Healthcaredive.Com, Healthcare Dive, 21 Apr. 2025, www.healthcaredive.com/news/dr-mehmet-oz-sworn-in-cms-administrator/745880/.   CY 2026 Part D Coverage Cost Breakdown: “Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions. Accessed 23 Apr. 2025. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” Federalregister.Gov, Federal Register, 15 Apr. 2025, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare.   CY 2026 Selected Drug Subsidy Cost Breakdown: John, Stephnie A., and Abdie Santiago. “The IRA in 2025: The Future of Medicare Part D.” Mintz.Com, Mintz, 13 Feb. 2025, www.mintz.com/insights-center/viewpoints/2146/2025-02-13-ira-2025-future-medicare-part-d. “Medicare Prescription Drug Benefit Manual – Chapter 5.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/chapter-5-benefits-and-beneficiary-protection-v92011.pdf. Accessed 23 Apr. 2025. “Factsheet: Medicare Drug Price Negotiation Program.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-selected-drug-negotiation-list-ipay-2026.pdf. Accessed 23 Apr. 2025.   Provisions Not Finalized in 2026 MA and Part D Final Rule: “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 24 Apr. 2025. Tong, Noah. “Medicare Advantage Final Rule Excludes Anti-Obesity Drug Coverage under Medicare, Medicaid.” Fiercehealthcare.Com, Fierce Healthcare, 4 Apr. 2025, www.fiercehealthcare.com/payers/medicare-advantage-final-rule-excludes-anti-obesity-drug-coverage-under-medicare-medicaid. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 24 Apr. 2025. “Medicare Coverage of Anti-Obesity Medications.” Aspe.Hhs.Gov, Assistant Secretary for Planning and Evaluation, 26 Nov. 2024, aspe.hhs.gov/sites/default/files/documents/127bd5b3347b34be31ac5c6b5ed30e6a/medicare-coverage-anti-obesity-meds.pdf.   Resources: 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/ 3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656 4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655 5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411 CMS Updates, Content Library, & More! https://lnk.to/asgf20250328 Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/ Subscribe to the Ritter Blog: https://ritterim.com/blog/ The Best Appointment Schedulers for Insurance Agents: https://lnk.to/asg657   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureThe founding fathers knew that tariffs would be weapon against the [CB]. Trump is using the tariffs as a weapon. China is getting hit with port fees and they will increase each year. Trump is dismantling the monetary order. The entire transition is controlled demolition. Trump and the patriots are showing the people are the truth. They must see the [DS] criminal system. Trump will use this to fight against the [DS] in the end. The [DS] will mostly try to push an insurgency against Trump. Timing is everything. In the end Trump and team will use Writ of Habeas Corpus.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy https://twitter.com/KobeissiLetter/status/1913328314678219247   people work part-time jobs in the US, the third-highest on record. Millions of Americans are working multiple jobs to afford basic necessities. https://twitter.com/yo/status/1913299922444771752 US Plans Port Fees For Chinese Ships To Revitalize American Maritime Industrial Base The Trump administration announced plans on Thursday to impose new port fees on Chinese commercial vessels—part of a broader effort to revive America's dwindling shipbuilding industry, which officials now view as a national security risk amid the urgent need to bolster hemispheric defense across the Americas in an increasingly fractured, bipolar world. "Ships and shipping are vital to American economic security and the free flow of commerce," U.S. Trade Representative Jamieson Greer wrote in a statement, adding, "The Trump administration's actions will begin to reverse Chinese dominance, address threats to the U.S. supply chain, and send a demand signal for U.S.-built ships." The Federal Register notice titled "Notice of Action and Proposed Action in Section 301 Investigation of China's Targeting the Maritime, Logistics, and Shipbuilding Sectors for Dominance, Request for Comments," published Thursday by the U.S. Trade Representative (USTR), states that new fees will be imposed on all Chinese-built and Chinese-owned ships docking at ports across America. These fees will be based on net tonnage or the volume of goods carried per voyage and will only be charged once per voyage and not per port arrival. "The fee will be set at $0 for the first 180 days, will then be set at $50/NT, and will increase incrementally over the next three years," the USTR notice read. Service Fee on Chinese Vessel Operators and Vessel Owners of China (courtesy of CNBC): Effective as of April 17, 2025, a fee in the amount of $0 per net ton for the arriving vessel. Effective as of October 14, 2025, a fee in the amount of $50 per net ton for the arriving vessel. Effective as of April 17, 2026, a fee in the amount of $80 per net ton for the arriving vessel. Effective as of April 17, 2027, a fee in the amount of $110 per net ton for the arriving vessel. Effective as of April 17, 2028, a fee in the amount of $140 per net ton for the arriving vessel. The USTR notice explained that "any such fee would be charged per rotation or string of U.S. port calls, and no more than five times a year on an individual vessel." Service fees for vessel operators of Chinese-built vessels are lower. Effective as of April 17, 2025, a fee in the amount of $0 for each container discharged. Effective as of October 14, 2025, a fee in the amount of $18 per net ton ($120 per container) Effective as of April 17, 2026, a fee in the amount of $23 per net ton ($153 per container) Effective as of April 17, 2027, a fee in the amount of $28 per net ton ($195 per container)

The FAA is proposing the removal of all Remote Communications Outlets in the lower 48. These RCOs are the only way to establish search and rescue in flight when you don't have a cellular signal. This would be a HUGE mistake. Please leave a public comment at the Federal Register using this link: https://www.federalregister.gov/documents/2025/03/27/2025-05167/notice-of-intent-to-decommission-flight-service-remote-communications-outlets-rcos

Wall Street rose on Tuesday, boosted by the possibility of tariff relief for the auto sector and gains in financial stocks after Citigroup and Bank of America's results. President Donald Trump on Monday hinted at potential exemptions for the 25% tariffs imposed on imports of autos and auto parts. Meanwhile, the administration is proceeding with probes into imports of pharmaceuticals and semiconductors as part of a bid to impose tariffs on both sectors on grounds that extensive reliance on foreign production of medicine and chips is a national security threat, Federal Register filings on Monday showed.Former President Joe Biden is expected to make an early evening speech to the national conference of Advocates, Counselors and Representatives for the Disabled in Chicago. The 82-year-old Democrat has largely avoided speaking publicly since leaving the White House in January, which is typically the tradition for immediate past presidents.If you haven't completed your 2024 tax return, today is April 15, also known as “Tax Day,” the deadline for filing your federal income tax return with the IRS. While most U.S. taxpayers have already done so with their tax preparers, about 101 million have yet to do so.

In this episode of The Daily Windup, we dives into the complex world of government regulations and enforcement of domestic preferences. We discuss the process of monitoring and understanding federal regulations through the Federal Register, the insider tips on how to leverage the preview section of the register to stay ahead of upcoming regulations and gain an edge in blogging or reporting. We also talk about enforcing domestic preferences, specifically addressing a case involving misrepresentation by a company selling cutlery as being made in the USA. Utilizing channels such as filing an IG complaint or reaching out to the ordering agency as potential avenues for enforcement. Tune in to this informative episode of The Daily Windup for a concise breakdown of navigating government regulations and enforcing domestic preferences.

A case in which the Court will decide whether the U.S. Court of Appeals for the D.C. Circuit has exclusive jurisdiction to review an Environmental Protection Agency action that affects only one state or region, simply because the EPA published that action alongside actions affecting other states in a single Federal Register notice.

Each month, a panel of constitutional experts convenes to discuss the Court’s upcoming docket sitting by sitting. The cases covered in this preview are listed below.Louisiana v. Callais (March 24) - Election law, Civil Rights; Issue(s): (1) Whether the majority of the three-judge district court in this case erred in finding that race predominated in the Louisiana legislature’s enactment of S.B. 8; (2) whether the majority erred in finding that S.B. 8 fails strict scrutiny; (3) whether the majority erred in subjecting S.B. 8 to the preconditions specified in Thornburg v. Gingles; and (4) whether this action is non-justiciable.Riley v. Bondi (March 24) - Immigration; Issue(s): (1) Whether 8 U.S.C. § 1252(b)(1)'s 30-day deadline is jurisdictional, or merely a mandatory claims-processing rule that can be waived or forfeited; and (2) whether a person can obtain review of the Board of Immigration Appeals' decision in a withholding-only proceeding by filing a petition within 30 days of that decision.Environmental Protection Agency v. Calumet Shreveport Refining (March 25) - Jurisdiction, Federalism & Separation of Powers; Issue(s): Whether venue for challenges by small oil refineries seeking exemptions from the requirements of the Clean Air Act’s Renewable Fuel Standard program lies exclusively in the U.S. Court of Appeals for the District of Columbia Circuit because the agency’s denial actions are “nationally applicable” or, alternatively, are “based on a determination of nationwide scope or effect.”Oklahoma v. Environmental Protection Agency (March 25) - Jurisdiction, Federalism & Separation of Powers; Issue(s): Whether a final action by the Environmental Protection Agency taken pursuant to its Clean Air Act authority with respect to a single state or region may be challenged only in the U.S. Court of Appeals for the District of Columbia Circuit because the agency published the action in the same Federal Register notice as actions affecting other states or regions and claimed to use a consistent analysis for all states.Federal Communications Commission v. Consumers’ Research (March 26) - Federalism & Separation of Powers; Issue(s): (1) Whether Congress violated the nondelegation doctrine by authorizing the Federal Communications Commission to determine, within the limits set forth in 47 U.S.C. § 254, the amount that providers must contribute to the Universal Service Fund; (2) whether the FCC violated the nondelegation doctrine by using the financial projections of the private company appointed as the fund's administrator in computing universal service contribution rates; (3) whether the combination of Congress’s conferral of authority on the FCC and the FCC’s delegation of administrative responsibilities to the administrator violates the nondelegation doctrine; and (4) whether this case is moot in light of the challengers' failure to seek preliminary relief before the 5th Circuit.Catholic Charities Bureau v. Wisconsin Labor & Industry Review Commission (March 31) - First Amendment, Religion; Issue(s): Whether a state violates the First Amendment’s religion clauses by denying a religious organization an otherwise-available tax exemption because the organization does not meet the state’s criteria for religious behavior.Rivers v. Guerrero (March 31) - Criminal Law & Procedure; Issue(s): Whether 28 U.S.C. § 2244(b)(2) applies only to habeas filings made after a prisoner has exhausted appellate review of his first petition, to all second-in-time habeas filings after final judgment, or to some second-in-time filings — depending on a prisoner’s success on appeal or ability to satisfy a seven-factor test.Fuld v. Palestine Liberation Organization (April 1) - Due Process, Fifth Amendment; Issue(s): Whether the Promoting Security and Justice for Victims of Terrorism Act violates the due process clause of the Fifth Amendment.Kerr v. Planned Parenthood South Atlantic (April 2) - Medicare; Issue(s): Whether the Medicaid Act’s any-qualified-provider provision unambiguously confers a private right upon a Medicaid beneficiary to choose a specific provider. Featuring:Allison Daniel, Attorney, Pacific Legal FoundationErielle Davidson, Associate, Holtzman VogelJennifer B. Dickey, Deputy Chief Counsel, U.S. Chamber Litigation Center, U.S. Chamber of CommerceElizabeth A. Kiernan, Associate Attorney, Gibson, Dunn & CrutcherMorgan Ratner, Partner, Sullivan & Cromwell LLP(Moderator) Sarah Welch, Issues & Appeals Associate, Jones Day

At a tense court hearing, a federal judge raised concerns about the Trump Administration's use of an 18th century wartime act to deport Venezuelan migrants accused of being criminals, saying the President's expanded use of the Alien Enemies Act could have “frightening” implications. Then, this evening, the President told reporters he didn't even sign the proclamation himself, even though his signature is at the bottom of the document from the Federal Register. Plus, John King returns to battleground Wisconsin, where once again Democrats are worried about the black voter turnout. This time, in a race just days away. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Join Jeff Tigger Erhardt, Rebecca Wanner AKA BEC and my crew as we answer listener questions about electronic id tags.  Plus updates on the tariff war, news, sale recaps, cattle sale info and market commentary that you will only get on this all new episode of The Ranch It Up Radio Show. Be sure to subscribe on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. Season 5, EPISODE 228 Electronic ID Tags Q & A & News And Tariff Updates What Are The Pro's & Con's Of Electronic Animal I.D. Electronic Identification Tags From Merck As the leading provider of EID tags and readers through the Allflex® brand, Merck Animal Health wants to support cattle producers in their decision-making with the expertise and solutions they need. Key Distinctions With Official ID Rules The new policy only applies to interstate movement. Other exemptions include direct-to-slaughter cattle and sexually intact cattle (and bison) under 18 months of age. Animals that will need electronically and visually readable tags when they enter interstate movement include: Sexually intact cattle and bison 18 months or older All dairy cattle, including beef-on-dairy crossbred animals Cattle and bison of any age used for rodeo, recreation events, shows or exhibitions Another important detail: Visual ear tags applied before Nov. 5, 2024, will be recognized as official IDs for the life of the animal. They'll be grandfathered in and will not need an EID. Easing The Financial Burden Producers and the livestock industry have raised concerns about the potential cost burden of the new tagging policies. Congress recently directed USDA-APHIS to allocate no less than $15 million for the cost of tags and related infrastructure to help offset those costs.2 Producers may be able to access EID tags for free via their state veterinarian. They can apply those tags at approved tagging sites. Producers can also buy EIDs directly from a distributor, online vendor or local dealer and apply the tags themselves. In addition, producers are not required to invest in tag-reading hardware or software, unless they choose to do so for herd management and record keeping. The EID tags can be used the same way as visual tags. Addressing Data Privacy Concerns EID tags are encoded with a number that identifies the animal, but no owner-specific information. The data associated with the tags will be stored in various federal and state databases. Access to that data will also be restricted to the state and federal officials responsible for managing high-impact diseases of the cattle industry. USDA agnostic on EID tags USDA isn't mandating or recommending any one brand of ear tag. Tags must be approved by the department and will be imprinted with the Official Eartag Shield. The Allflex radio frequency ID (RFID) tags offered by Merck Animal Health meet these standards. They use a short-read range that doesn't interfere with radio frequencies commonly found in livestock operations. Allflex tags do not include any global positioning system (GPS) capabilities. Producers also use these RFID tags to track health protocols, performance, reproduction and genetics. The new tagging requirements are intended to bolster the industry's tracing capabilities in the event of a disease outbreak. Contact your Merck Animal Health representative or tag supplier to find out how Allflex tags can help you comply with these rules while managing your beef or dairy operation more efficiently. References National Archives. Federal Register. Rules and Regulations. Use of Electronic Identification Ear Tags as Official Identification in Cattle and Bison. Animal and Plant Health Inspection Service, USDA. May 9, 2024. 89(91):39540-39566. APHIS-2021-0020. 2024-09717.pdf (govinfo.gov). Retrieved May 21, 2024. Rachael Oatman. Congress approves $15 million for EID tagging of cattle. Tri-State Livestock News. March 22, 2024. https://www.tsln.com/news/congress-approves-15-million-for-eid-tagging-of-cattle/. Retrieved May 21, 2024. Tariffs: Retaliatory China Tariffs On U.S. Meat Products Take Effect Tariff wars and constant updates.  Here are the latest moves.  On Monday, the Chinese government implemented new tariffs on a variety of U.S. agricultural products, including meat products. China's tariff on U.S. pork will increase from 37% to 47%, while its tariff on U.S. beef will rise from 12% to 22%. Additionally, U.S. poultry products now face a 15% tariff. According to USDA analysis, China and Hong Kong account for 5% of U.S. poultry exports, 15% of pork exports, and 14% of beef exports. Announced last week, the tariffs are a retaliation against a new 20% U.S. tariff on Chinese goods, and also cover wheat, corn, cotton, sorghum, soybeans, fruits and vegetables, dairy and fish. China also blocked 15 U.S. companies from buying Chinese products, and another 10 companies from doing business in China; those companies, though, are not in agriculture. In a March 8 press release from the Chinese government, the Foreign Minister told the United States to rethink what it has achieved from the tariff and trade wars these years — whether its trade deficit has widened or narrowed, whether its manufacturing has become more or less competitive, whether its inflation has gone up or down, and whether the lives of its people have become better or worse. Tariffs: Canada Keeps Poultry Tariffs, Postpones Beef & Pork Canada's 25% tariffs on imports of U.S. chicken will remain in place, while the looming start of an identical levy against beef and pork has been postponed until April 2. The Canadian Finance Minister announced the decisions, after the U.S. President Donald Trump signed orders postponing or easing 25% tariffs on large amounts of Canadian and Mexican goods. Trump placed  tariffs on goods from Canada and Mexico, demanding more action against drug trafficking and illegal border crossing, while claiming that trade deficits constituted “subsidies” to the United States' neighbors. In the Oval Office, a White House aide said that the latest executive order excludes goods certified for entry under the U.S.-Mexico-Canada Agreement (USMCA) from 25% tariffs until April 2, when Trump is threatening to impose “reciprocal” global tariffs. Cars and car parts will be temporarily spared, while Canadian potash — an important fertilizer — will only be taxed at 10% “in order to help our farmers at this crucial time of year. The aide went on to say, quote, “So this is a modification to our tariff regime to protect American car manufacturers and American farmers.” The fast-moving trade wrangling between the North American governments follows concerns voiced by Democrats and some Farm Belt Republicans in Congress about disrupted trade with two of the biggest customers for  U.S. agricultural goods, especially meat. Canada and Mexico combined buy 31% of U.S. poultry exports, 45% of pork exports and 26% of beef exports. The Mexican President had promised a reciprocal action including tariffs, with U.S. meat products a likely target. RanchChannel.Com Now Has The Futures Markets & New Listings Futures Markets RanchChannel.com now has futures markets at your fingertips!  Feeder Cattle, Live Cattle, Corn, Wheat, Soybeans, Soybean Oil, Milk Class IV, and Ethanol.  Information is provided by DTN and market information may be delayed by as much as 10 minutes.  Click Here for more information!   UPCOMING SALES & EVENTS U2 Quality Seedstock:  March 18, 2025   Vollmer Angus Ranch:  April 1, 2025 CK Bar Ranch: April 4, 2025 Jorgensen Land & Cattle:  April 21, 2025 World Famous Miles City Bucking Horse Sale: May 15 18, 2025 BULL SALE REPORT & RESULTS Click HERE for the latest Bull Sale Results https://ranchchannel.com/category/past-bull-production-sales-archive/ FEATURING David McElhaney Merck Animal Health https://www.merck-animal-health-usa.com/species/cattle Mark Vanzee Livestock Market, Equine Market, Auction Time https://www.auctiontime.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ @LivestockMkt @EquineMkt @AuctionTime Kirk Donsbach: Stone X Financial https://www.stonex.com/   @StoneXGroupInc    Shaye Koester Casual Cattle Conversation https://www.casualcattleconversations.com/ @cattleconvos Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast is available on ALL podcasting apps. https://ranchitup.podbean.com/ Rural America is center-stage on this outfit. AND how is that? Tigger & BEC Live This Western American Lifestyle. Tigger & BEC represent the Working Ranch world and cattle industry by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/ #RanchItUp #StayRanchy #TiggerApproved #tiggerandbec #rodeo #ranching #farming References https://www.stonex.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ https://www.auctiontime.com/ https://gelbvieh.org/ https://www.imogeneingredients.com/ https://alliedgeneticresources.com/ https://westwayfeed.com/ https://medoraboot.com/ https://www.tsln.com/ https://transova.com/ https://axiota.com/ https://axiota.com/multimin-90-product-label/ https://jorgensenfarms.com/ https://ranchchannel.com/ https://www.wrangler.com/ https://www.ruralradio147.com/ https://www.rfdtv.com/ https://www.ckbarranch.com/#/?ranchchannel=view https://www.meatingplace.com/Industry/News/Details/118243 https://www.meatingplace.com/Industry/News/Details/118220 https://www.merck-animal-health-usa.com/species/cattle/cattle-insights/beef/tagging-practices

  The Friday Five for March 7, 2025: Starbucks and Dunkin' Spring 2025 Menus Amazon Announces Alexa+ Changes to MA and Part D Disaster/Emergency SEP Effects of ACA Subsidy Expiration by Demographic Clarification on HHS Proposed Rule Comment Periods   Starbucks and Dunkin' Spring 2025 Menus: Beams, Sophia. “Dunkin' Brings Back Two Fan-Favorite Drinks Just in Time for Spring.” Bhg.Com, Better Homes & Gardens, 5 Mar. 2025, www.bhg.com/dunkin-spring-menu-2025-11690288. Tyko, Kelly. “Dunkin' Spring Menu Launches, Nondairy Surcharge Removed.” Axios.Com, Axios, 5 Mar. 2025, www.axios.com/2025/03/05/dunkin-spring-menu-2025-dunkalatte-pistachio-coffee. “New Iced Cherry Chai Joins Lavender Drinks on Starbucks Spring Menu.” About.Starbucks.Com, Starbucks, 3 Mar. 2025, about.starbucks.com/stories/2025/new-iced-cherry-chai-joins-lavender-drinks-on-starbucks-spring-menu/. Palan, Michael. “We Tried Starbucks' New Spring Menu Items, and These 2 Drinks Stole the Show.” Tastingtable.Com, Tasting Table, 3 Mar. 2025, www.tastingtable.com/1801587/starbucks-reserve-new-spring-menu-2025-drinks-food/.   Amazon Announces Alexa+: “50 Things to Try with Alexa+.” Aboutamazon.Comt, Amazon, 26 Feb. 2025, www.aboutamazon.com/news/devices/new-alexa-top-features. Haselton, Todd, et al. “Amazon Alexa Event Live Blog: All the News from the Keynote.” Theverge.Com, The Verge, 26 Feb. 2025, www.theverge.com/news/618261/amazon-alexa-event-live-blog-2025. Panay, Panos. “Introducing Alexa+, the next Generation of Alexa.” Aboutamazon.Com, Amazon, 26 Feb. 2025, www.aboutamazon.com/news/devices/new-alexa-generative-artificial-intelligence. Diaz, Maria. “Not All Echo Devices Will Get Alexa+ Initially - See If Yours Made the List.” Zdnet.Com, ZDNET, 28 Feb. 2025, www.zdnet.com/article/alexa-plus-will-run-on-select-echo-devices-see-if-yours-is-on-the-list/. Ellis, Cat. “Want to Try Alexa+? Here Are the Echo Devices It'll Work On.” Techradar.Com, TechRadar, 27 Feb. 2025, www.techradar.com/home/smart-speakers/want-to-try-alexa-plus-here-are-the-echo-devices-itll-work-on. Aten, Jason. “With Its AI-Powered Alexa+, Amazon Just Put Apple on Notice.” Inc.Com, Inc, 26 Feb. 2025, www.inc.com/jason-aten/with-its-ai-powered-alexa-plus-amazon-just-put-apple-on-notice/91153371. Stanley, Alyse. “You Can Get Alexa+ Early — Here's How to Sign up.” Tomsguide.Com, Tom's Guide, 1 Mar. 2025, www.tomsguide.com/ai/you-can-get-alexa-early-heres-how-to-sign-up.   Changes to MA and Part D Disaster/Emergency SEP: Crowe, Edward. “New Medicare FEMA SEP Rules.” Pfsinsurance.Com, Pinnacle Financial Services, 29 Jan. 2025, pfsinsurance.com/blog/new-medicare-fema-sep-rules-crowe-associates. “Change to Beneficiary Use of the SEP for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency.” Cms.Gov, Centers for Medicare & Medicaid Services, 3 Dec. 2024, 20178637.fs1.hubspotusercontent-na1.net/hubfs/20178637/42%20ea%20-%20Product%20Profile.pdf.   Effects of ACA Subsidy Expiration by Demographic: Lambrew, Jeanne. “Enhanced ACA Marketplace Tax Credits Worked—And Shouldn't Be Eliminated.” Tcf.Org, The Century Foundation, 7 Aug. 2024, tcf.org/content/commentary/enhanced-aca-marketplace-tax-credits-worked-and-shouldnt-be-eliminated/. Richards, Carson, and Sara  R. Collins. “Enhanced Premium Tax Credits for ACA Health Plans: Who They Help, and Who Gets Hurt If They're Not Extended.” Commonwealthfund.Org, Commonwealth Fund, 18 Feb. 2025, www.commonwealthfund.org/publications/explainer/2025/feb/enhanced-premium-tax-credits-aca-health-plans. Sullivan, Jennifer. “Enhanced Tax Credits Keep ACA Marketplace Coverage Affordable for 2025.” Cbpp.Org, Center on Budget and Policy Priorities, 18 Nov. 2024, www.cbpp.org/blog/enhanced-tax-credits-keep-aca-marketplace-coverage-affordable-for-2025. “How Much More Would People Pay in Premiums If the ACA's Enhanced Subsidies Expired?” Kff.Org, KFF, 18 Dec. 2024, https://www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/ Ortaliza, Jared, et al. “Inflation Reduction Act Health Insurance Subsidies: What Is Their Impact and What Would Happen If They Expire?” Kff.Org, KFF, 26 July 2024, www.kff.org/affordable-care-act/issue-brief/inflation-reduction-act-health-insurance-subsidies-what-is-their-impact-and-what-would-happen-if-they-expire/. Banthin, Jessica, et al. “Who Benefits from Enhanced Premium Tax Credits in the Marketplace?” Urban.Org, Urban Institute, June 2024, www.urban.org/sites/default/files/2024-06/Who_Benefits_from_Enhanced_Premium_Tax_Credits_in_the_Marketplace.pdf. Lo, Justin, and Cynthia Cox. “Who Might Lose Eligibility for Affordable Care Act Marketplace Subsidies If Enhanced Tax Credits Are Not Extended?” Kff.Com, KFF, 28 Feb. 2025, www.kff.org/policy-watch/who-might-lose-eligibility-for-affordable-care-act-marketplace-subsidies-if-enhanced-tax-credits-are-not-extended/.   Clarification on HHS Proposed Rule Comment Periods: “Compilation of the Social Security Laws.” Ssa.Gov, Social Security Administration, www.ssa.gov/OP_Home/ssact/title18/1871.htm. Accessed 5 Mar. 2025. “HHS Rescinds Policy Regarding Notice-and-Comment Rulemaking – Implications for Health Care Industry.” Www.Hoganlovells.Com, Hogan Lovells, 3 Mar. 2025, www.hoganlovells.com/en/publications/hhs-rescinds-policy-regarding-noticeandcomment-rulemaking-implications-for-health-care-industry. “Policy on Adhering to the Text of the Administrative Procedure Act.” Federalregister.Gov, Federal Register, 3 Mar. 2025, www.federalregister.gov/documents/2025/03/03/2025-03300/policy-on-adhering-to-the-text-of-the-administrative-procedure-act. Goldman, Maya. “RFK Jr. Move to Kill Public Comment Roils Providers.” Axios.Com, Axios, 3 Mar. 2025, www.axios.com/2025/03/03/rfk-transparency-rule-elimination-fallout. Cueto, Isabella. “RFK Jr. Moves to Eliminate Public Comment on HHS Decisions.” Statnews.Com, STAT, 28 Feb. 2025, www.statnews.com/2025/02/28/rfk-jr-eliminating-public-comment-hhs-decisions-richardson-waiver/. Muoio, Dave. “RFK Jr. Orders HHS to End ‘extra-Statutory' Notice, Public Comment Process in Rulemaking.” Fiercehealthcare.Com, Fierce Healthcare, 3 Mar. 2025, www.fiercehealthcare.com/regulatory/rfk-jr-orders-hhs-end-notice-public-comment-process-rulemaking. Howe, Amy. “Supreme Court Strikes down Chevron, Curtailing Power of Federal Agencies.” Scotusblog.Com, SCOTUSblog, 26 July 2024, www.scotusblog.com/2024/06/supreme-court-strikes-down-chevron-curtailing-power-of-federal-agencies/.   Resources: Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651 FAQs About Registering with Ritter Insurance Marketing: https://ritterim.com/blog/faqs-about-registering-with-ritter-insurance-marketing/   How To Better Market Yourself: https://ritterim.com/blog/how-to-better-market-yourself/   Medicare Advantage Open Enrollment Do's and Don'ts: https://lnk.to/oRft1p SNP Summit Registration is Live: https://lnk.to/asgf20250228   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Two weeks after being sworn in, last Friday HHS Secretary Robert Kennedy announced, “effectively immediately, the [1971] Richardson Waiver is rescinded and is no longer policy of the Department.” He explained his decision by stating “the extra-statutory obligations of the Richardson Waiver impose costs on the Department and the public, are contrary to the efficient operation of the Department, and impede the Department's flexibility to adapt quickly to legal and policy mandates. “ The waiver, issued by President Nixon's HEW Secretary, Elliot Richardson, effectively meant HHS would use the 1946 Administrative Procedure Act's “notice of proposed rule making” (NPRM) process broadly and its “good cause” exception sparingly. (The APA essentially governs the process by which federal agencies develop and issue regulatory rules.) Secretary Kennedy rescinded the waiver citing APA language that exempts rule making, effectively public input, from matters “relating to agency management or personnel or to public policy, loans, grants, benefits or contracts” and permits departments to forgo public comment for “good cause” or when the procedure is “impracticable, unnecessary or contrary to the public interest.” Though Secretary Kennedy's decision will almost certainly be challenged in court, in the near term HHS can make significant, and now unquestioned, regulatory changes to, for example, the Medicare and Medicaid programs. Sec. Kennedy's one page, March 3 Federal Register notice is at: https://www.govinfo.gov/content/pkg/FR-2025-03-03/pdf/2025-03300.pdf. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.thehealthcarepolicypodcast.com

U.S. executive orders (EOs) are directives of the executive branch of government and signed by the president that carry the force of law and cannot be ignored. According to the Federal Register, U.S. President Trump has signed approximately 65 EOs since Inauguration Day on 20 January 2025, and there will likely be more to come.1,2 The scope, scale and velocity of the EOs signed thus far require organizations, including global organizations doing business in the U.S., to prepare by assessing their impact and proactively planning.In this episode of the TechWave Podcast, host Frances Karamouzis is joined by Gartner Senior Director Analyst, Lydia Clougherty Jones, to discuss the impact of the U.S. EOs, with a specific focus on how they affect businesses and global enterprises. Frances and Lydia's conversation not only explores the broad range of topics the EOs cover, but also how organizations can ensure they are:Identifying their action plan and choosing their time wisely to execute.Enabling a fast cycle time to respond at a manageable cost.Implementing effective communications.Facilitating the ability and agility to take opportunities to accelerate value creation.Staying ahead of the curve with trend spotting.The EOs from the new U.S. administration need to be well understood by several layers in your organization. This necessitates that your analysis is aligned with your company's business strategy and operating model, which will require:A “barometer” — A way to take in all available data and information, parse it quickly and provide human-driven teams ways to view and assess it. This entails machine-driven tools and technologies specific to C-suite demands, which the Gartner team has coined as “code in the C-suite.”A “thermostat” — A metadata approach that is continually analyzing and making certain operational adjustments that are driven by both humans and machines.An “execution engine” — An underlying approach to develop action plans using signals and data-driven evidence, including the use of bots within boards of directors (i.e., agentic AI in the form of devices or agents given authority to act on a user's behalf).Disclaimer: Gartner does not provide legal advice or services, and its research should not be construed or used as such. While this podcast involves a discussion on a topic that has many legal issues, Gartner does not provide or apply any legal rules or terms to its clients' or prospects' specific business.Host Frances Karamouzis is joined by expert analyst Lydia Clougherty Jones. Lydia is a senior research director in Gartner's Data and Analytics (D&A) group. She is part of the Analytics & AI team, where she covers D&A and AI strategy, AI value to risk analysis and  among many other topics. Importantly, Jones practiced law for two decades — with a focus on emerging technologies and business transformation — before joining Gartner.1 2025 Donald J. Trump Executive Orders, FederalRegister.gov.2 Presidential Actions, WhiteHouse.gov.

  Learn about the value of Dual Eligible Special Needs Plans (D-SNPs) and how to get started selling!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Myths about Dual Eligible Special Needs Plans (D-SNPs): https://ritterim.com/blog/4-myths-about-dual-eligible-special-needs-plan-d-snp-sales/ Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/ Do's and Don'ts of Medicare Compliance: https://ritterim.com/blog/dos-and-donts-of-medicare-compliance/ How to Check Medicare Extra Help Eligibility for Your Client: https://lnk.to/asg630b How Selling Insurance Helps Give Back: https://ritterim.com/blog/how-selling-insurance-helps-give-back/ Keys to Client Retention: Digital Communication: https://lnk.to/fEvo5r Rules for Hosting a Compliant Medicare Educational Event: https://ritterim.com/blog/rules-for-hosting-a-compliant-medicare-educational-event/ Should You Sell D-SNPs? https://ritterim.com/blog/should-you-sell-d-snps/ SNPs: the Secret to Surviving Lock-In: https://ritterim.com/blog/snps-the-secret-to-surviving-lock-in/ Stay Busy Outside of AEP With Special Enrollment Periods: https://ritterim.com/blog/stay-busy-outside-of-aep-with-special-enrollment-periods/ What Not to Say During Medicare Educational Sales Events: https://ritterim.com/blog/what-not-to-say-during-medicare-educational-and-sales-events/ Why Client Retention Should be Your Top Priority: https://lnk.to/NMDqSn   References: “CY 2021 Cost Plan Enrollment and Disenrollment Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/Medicare/Eligibility-and-Enrollment/MedicareMangCareEligEnrol/Downloads/CY_2019_MA_Enrollment_and_Disenrollment_Guidance.pdf. Accessed 27 Jan. 2025. “Medicare Managed Care Eligibility and Enrollment.” CMS.Gov, Centers of Medicare & Medicaid Services, www.cms.gov/medicare/enrollment-renewal/managed-care-eligibility-enrollment. Accessed 27 Jan. 2025. “New Special Enrollment Periods (Seps) for Dually Eligible ...” Centers of Medicare & Medicaid, https://www.cms.gov/files/document/cy2025cdenrollmentanddisenrollmentguidancepdf.pdf. Accessed 23 Jan. 2025. “The Federal Register.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 23 Jan. 2025. “The Federal Register.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 23 Jan. 2025. “Special Enrollment Periods.” Medicare, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods. Accessed 23 Jan. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.  

  Stay compliant while sharing beneficiary data with other TPMOs. We explain the CMS rules for agents obtaining prior express written consent.   Read the text version   Resources: 2025 Medicare Market Disruption Means Opportunity for Agents: https://ritterim.com/follow-medicare-changes/  Contact the Ritter Insurance Marketing Compliance Team by emailing complianceofficer@ritterim.com Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://lnk.to/IO4lRf Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ TCPA Regulations: https://docs.ritterim.com/compliance/sales-communication-practices/#tcpa What Are Agents Responsible for Under HIPAA? https://ritterim.com/blog/what-are-agents-responsible-for-under-hipaa/ What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/ Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/   References: “.Com Disclosures: How to Make Effective Disclosures in Digital Advertising.” Ftc.Gov, Federal Trade Commission, www.ftc.gov/sites/default/files/attachments/press-releases/ftc-staff-revises-online-advertising-disclosure-guidelines/130312dotcomdisclosures.pdf. Accessed 27 Jan. 2025. “Clear and Conspicuous Definition.” Ecfr.Gov, The Federal Register, www.ecfr.gov/current/title-16/chapter-I/subchapter-B/part-255#p-255.0(f). Accessed 27 Jan. 2025. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Integrity Compliance Guidelines Third Party Marketing Organization (‘TPMO') Sharing of Personal Beneficiary Data with Other TPMOs.” Ritter Insurance Marketing, Integrity, ritterim.com/documents/personal-beneficiary-data-sharing-tpmo-guidelines.pdf. Accessed 27 Jan. 2025. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

House Republicans on Wednesday temporarily blocked Democratic efforts to subpoena Elon Musk, turning back an attempt to bring the tech billionaire before Congress to answer questions about what his Department of Government Efficiency delegates are doing in federal agency computer systems. During a House Oversight and Government Reform Committee hearing on the size of the federal government, ranking member Gerry Connolly, D-Va., moved to subpoena Musk to face the committee as a witness at the “earliest possible moment.” Connolly's Democratic colleagues supported the motion, but lost out to Republicans, tabling the motion. Democratic calls to hear from Musk follow the ongoing DOGE-led shutdown of USAID, the alleged sidestepping of federal law at the Office of Personnel Management via an email server, and the granting of systems access at the Treasury Department to DOGE workers. The Trump administration has requested input from the public as it seeks to develop its own path forward on artificial intelligence policy. A Federal Register post for public inspection Wednesday requests feedback on the AI “action plan” that President Donald Trump directed under his Jan. 23 executive order on the technology. That order directed agencies to review AI actions taken under Joe Biden's executive order on AI, which Trump rescinded on his first day in office, and said the country's policy on the technology is “to sustain and enhance America's global AI dominance in order to promote human flourishing, economic competitiveness, and national security.” It also set a 180-day timeline for a new action plan that's in line with that policy to be delivered to the president. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

In 2016, Brad Miller, CEO of the Pinellas Suncoast Transit Authority (PTSA), had an idea. What if subsidized rides with Transportation Networking Companies (TNCs) like Uber and Lyft could help people in his community get where they needed to go. What if you could get a subsidized Uber ride at the end of your overnight shift when regular transit isn't running and be able to get home safely? This revolution in public transit and was seen as a model for transit innovation and quickly spread across the country. The next logical question was then: could we do the same for paratransit and offer better service to those riders and even at a lower cost?The answer was yes. And now across the U.S., paratransit riders can book a ride at the last minute—just like non-disabled people can—to get where they need to go. But all that could come crashing to a halt if proposed changes to the Federal Transit Administration (FTA) rules about using TNCs in public transit come into effect. This episode features Brad and other experts talking about how TNCs have helped the disabled community and what the impact on people's lives will be if transit agencies have to stop using Uber and Lyft for paratransit and other on-demand rides.Featured Guests:• Brad Miller: CEO of the Pinellas Suncoast Transit Authority (PSTA) in Florida. Brad shares his pioneering work in integrating TNCs into paratransit services, highlighting the significant benefits and cost savings achieved. He also discusses the looming threat posed by new Federal regulations that could disrupt these services.• Dr. Judy Shanley: National Director of Transportation, Mobility, and Youth at the National Office of Easterseals. Judy brings her extensive experience in advocating for individuals with disabilities and emphasizes the importance of innovative paratransit solutions. She voices concerns about how the proposed regulations could limit transportation options for people with disabilities.• Alex Elegudin: CEO of Wheeling Forward and former Accessibility Chief at the New York City MTA. Alex provides a legal and advocacy perspective, detailing his efforts to improve accessibility in transportation. He discusses his recent Newsweek article that highlights the challenges and potential setbacks of the proposed regulatory changes.• Jen Shepherd: Head of Uber's Global Transit Business. Jen explains Uber's role in supporting transit agencies and the potential consequences of the new regulations on Uber's ability to provide paratransit services. She underscores the safety measures Uber has in place and the broader implications for mobility if these services are curtailed.Link to the proposed rule changes on the U.S. Federal Register: https://www.regulations.gov/docket/FTA-2024-0020Coming up next week, we have the fourth of five episodes Paul recorded while visiting Australia. This week we feature just a few of the amazing women leading public transit in Australia and joining Paul, special co-host Kelly Chapman. 00:00 Introduction and Background01:25 Meet the Panelists03:11 Brad Miller's Innovative Approach06:08 Challenges and Threats to Paratransit Services07:07 Judy Shanley on Easterseals' Role09:29 Alex Elegudin's Perspective20:12 Jen Shepherd on Uber's Involvement30:52 Conclusion and Call to Action32:12 Coming up next week on Transit UnpluggedTransit Unplugged is brought to you by Modaxo https://www.modaxo.comHost: Paul ComfortProducer: Paul ComfortEditor and Writer: Tris HusseyExecutive Producer: Julie GatesSpecial thanks to:Brand design: Tina OlagundoyeSocial Media: Tatyana MechkarovaMarketing content, Transit Unplugged Newsletter, & transit puns: Tris HusseyIf you have a...

Every president (with the exception of William Henry Harrison)  has issued executive orders. Most recently, Donald Trump issued several on his first day in office. Some have been published in the Federal Register, others are facing legal challenges.So what IS an executive order? How do they differ from other executive actions, like proclamations or memoranda? Who writes them? Who reviews them? All that and more with our guest Andy Rudalevidge,  professor of Government at Bowdoin and author of By Executive Order: Bureaucratic Management and the Limits of Presidential Power.Click here for our episode on the Federal Register.Here is a link to every single proclamation issued by a president.  Want our new "Civics is my cup of tea" mug? CLICK HERE TO DONATE AND GET YOURS!CLICK HERE: Visit our website to see all of our episodes, donate to the podcast, sign up for our newsletter, get free educational materials, and more! To see Civics 101 in book form, check out A User's Guide to Democracy: How America Works by Hannah McCarthy and Nick Capodice, featuring illustrations by Tom Toro.Check out our other weekly NHPR podcast, Outside/In - we think you'll love it!

In our second installment of our new “Quick Look” series, we review the Administrative Procedure Act—or APA—a vital statute that is key to navigating and influencing the regulatory world.   Show Notes: Administrative Procedure Act, Pub L. No. 79-404, 324 Stat. 237 (1946) ACUS Sourcebook Judicial Review Under the Administrative Procedure Act (APA) by Congressional Research Service Administrative Law and Regulatory Policy: Problems, Text, and Cases by Stephen G. Breyer, et al. George B. Shepherd, The Administrative Procedure Act Emerges from New Deal Politics, 90 Nw. L. Rev. 1557 (1996). The Federal Register

    January 10, 2025: Sarah's 2025 Goals Highlights from CES 2025 First HIPAA Update Since 2013 ACA DACA Enrollment Eligibility Update 2025 ACA Enrollment Snapshot #2   Sarah's 2025 Goals: Cement City: https://www.cementcity.org/   Highlights from CES 2025: Carlson, Jeff. “CES 2025: We're Obsessed With These 28 New Products So Far.” CNET.Com, CNET, 9 Jan. 2025, www.cnet.com/pictures/ces-2025-were-obsessed-with-these-28-new-products-so-far/. Kastrenakes, Jacob. “CES 2025: All the News, Gadgets, and Surprises.” Theverge.Com, The Verge, 4 Jan. 2025, www.theverge.com/2025/1/4/24307731/ces-2025-tvs-gaming-smart-home-wearables-news. Halliday AI Glasses: https://hallidayglobal.com/products/reservation  Ortiz, Sabrina. “Halliday Just Unveiled the AI Glasses That Meta, Google and Apple Have Been Trying to Build.” ZDNET.Com, ZDNET, 8 Jan. 2025, www.zdnet.com/article/halliday-just-unveiled-the-ai-glasses-that-meta-google-and-apple-have-been-trying-to-build/. Mirumi: https://mirumi.ux-xu.com/ Segway Navimov X3 Series: https://navimow.segway.com/uk/product/navimow-x.html Stolyar, Brenda. “The 31 Best Gadgets From CES 2025 You Can Buy Right Now.” Wired.Com, Conde Nast, 9 Jan. 2025, www.wired.com/story/the-gadgets-from-ces-2025-you-can-buy-right-now/. Weatherbed, Jess. “These Smart Glasses Have a Tiny Little Screen Hidden in the Frame.” Theverge.Com, The Verge, 6 Jan. 2025, www.theverge.com/2025/1/5/24334030/halliday-smart-glasses-ai-tiny-display-frame-availability-price-ces.   First HIPAA Update Since 2013: Olsen, Emily. “HHS Proposes HIPAA Update to Boost Healthcare Cybersecurity.” Healthcaredive.Com, Healthcare Dive, 3 Jan. 2025, www.healthcaredive.com/news/hhs-hipaa-security-rule-update-cybersecurity/736451/. Beavins, Emma. “HHS Proposes New Cybersecurity Requirements as First Major HIPAA Update in 10 Years.” Fiercehealthcare.Com, Fierce Healthcare, 7 Jan. 2025, www.fiercehealthcare.com/regulatory/hhs-proposes-cybersecurity-updates-healthcare-organizations. “HIPAA Security Rule To Strengthen the Cybersecurity of Electronic Protected Health Information.” Federalregister.Gov, Federal Register, 6 Jan. 2025, www.federalregister.gov/documents/2025/01/06/2024-30983/hipaa-security-rule-to-strengthen-the-cybersecurity-of-electronic-protected-health-information.   ACA DACA Enrollment Eligibility Update: “DACA Eligibility Update.” Khbe.Ky.Gov, Kynect Health Coverage, khbe.ky.gov/Agents-kynectors/Documents/kynector-FAQ.pdf. Accessed 9 Jan. 2025. “HHS Final Rule Clarifying the Eligibility of Deferred Action for Childhood Arrivals (DACA) Recipients and Certain Other Noncitizens.” CMS.Gov, Centers for Medicare & Medicaid Services, 3 May 2024, www.cms.gov/newsroom/fact-sheets/hhs-final-rule-clarifying-eligibility-deferred-action-childhood-arrivals-daca-recipients-and-certain. “Immigration Status to Qualify for the Marketplace.” HealthCare.Gov, Centers for Medicare & Medicaid Services, www.healthcare.gov/immigrants/immigration-status/. Accessed 9 Jan. 2025. “Kansas et al. v. United States of America et Al..” Litigationtracker.Law.Georgetown.Edu, Georgetown University, 2 Jan. 2025, litigationtracker.law.georgetown.edu/litigation/kansas-et-al-v-united-states-of-america-et-al/. Pillair, Drishti, and Samantha Artiga. “Overview and Implications of the ACA Marketplace Expansion to DACA Recipients.” KFF.Org, KFF, 6 Jan. 2025, www.kff.org/racial-equity-and-health-policy/issue-brief/overview-and-implications-of-the-aca-marketplace-expansion-to-daca-recipients/. “Recent Court Decisions Impacting the Marketplace.” HealthCare.Gov, Centers for Medicare & Medicaid Services, www.healthcare.gov/court-decisions/. Accessed 9 Jan. 2025. “State-Based Marketplaces: 2025 Open Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Oct. 2024, www.cms.gov/files/document/state-exchange-oe-chart-py-2025.pdf. “State Health Insurance Marketplace Types, 2025.” KFF.Org, KFF, 26 Oct. 2024, www.kff.org/affordable-care-act/state-indicator/state-health-insurance-marketplace-types/. “State of Kansas, et al. Appellees v. United States of America and Centers for Medicare & Medicaid Services Appellants.” Litigationtracker.Law.Georgetown.Edu, Georgetown University, litigationtracker.law.georgetown.edu/wp-content/uploads/2024/12/Kansas_2024.12.16_ORDER.pdf. Accessed 9 Jan. 2025.   2025 ACA Enrollment Snapshot #2: “Marketplace 2024 Open Enrollment Period Report: Final National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 24 Jan. 2024, www.cms.gov/newsroom/fact-sheets/marketplace-2024-open-enrollment-period-report-final-national-snapshot. “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Jan. 2025, www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-1. “Nearly 24 Million Consumers Have Selected Affordable Health Coverage in ACA Marketplace, With Time Left to Enroll.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Jan. 2025, www.cms.gov/newsroom/press-releases/nearly-24-million-consumers-have-selected-affordable-health-coverage-aca-marketplace-time-left.   Resources: 5 Tips for Finding Supplemental Coverage for ACA Plans: https://lnk.to/xDtALf Lessons Learned in 2024: https://lnk.to/asg637 Marketing Trends for 2025: https://lnk.to/asg639 Setting SMART Goals in 2025: https://lnk.to/asgf20250103 Why Gen Z is a Good Fit for Selling Insurance: https://lnk.to/asg640   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

In this episode, we sit down with Kyle Beyer, a seasoned pharmacist and owner of two thriving independent pharmacies. Tune in as he divulges best practices on streamlining vaccine operations, optimizing workflow, and leveraging community relationships to boost vaccination rates. Then we're joined by McKesson Health Mart pharmacist, Januari Lewis to dig into specific Health Mart resources for those of you that are Health Mart pharmacies looking to expand your vaccine services or implement a new vaccine solution in your pharmacy. Whether you're looking to start offering vaccines or enhance your current process, this episode is packed with actionable strategies to elevate your pharmacy's services.Please note that since the recording of this episode, the U.S. Health and Human Services extended the PREP Act amendments, allowing pharmacists, pharmacy interns, and pharmacy technicians to independently administer vaccines and provide test-to-treat services for COVID-19 until December 31, 2029. You can read more about this extension in the December 11th, 2024, Federal Register here: Federal Register :: 12th Amendment to Declaration Under the Public Readiness and Emergency Preparedness Act for Medical Countermeasures Against COVID-19.  HostSuzanne Feeney, PharmDVP, Pharmacy Retail OperationsMcKesson / Health MartGuestsKyle Beyer, PharmD Owner / Pharmacy ManagerNorth Shore Pharmacy & Compounding CenterJanuari Lewis, PharmDSr Manager, Strategy & ImplementationMcKesson / Health MartHealth Mart franchise members can access the following resources:Immunization Resource Kit (https://my.healthmart.com/immunizationsBusiness.htm)Immunization Practice Starter (https://my.healthmart.com/immunizationsPharmacy.htm)Technician Specialist: Vaccine Coordinator Training (https://healthmartuniversity.ceimpact.com/library/course/6197)The views and opinions expressed in this podcast are those of the guest and do not necessarily represent the views or positions of Health Mart, McKesson or its affiliates or subsidiaries ("McKesson”). The information provided herein is for informational purposes only and does not constitute the rendering of clinical, legal or other professional advice by McKesson.

Last Thursday, the Consumer Financial Protection Bureau (CFPB) announced a Final Rule authorizing the agency to supervise and conduct examinations of certain non-bank providers of digital wallets and payment apps for consumers' general use. The Final Rule, which takes effect 30 days after publication in the Federal Register, largely mirrors the agency's earlier proposed rule, which we blogged about last year. Assuming it takes effect and is not overturned or cut back, the Final Rule will enable the CFPB to supervise companies in key areas such as privacy and information sharing, alleged banking errors and fraudulent and disputed transactions, and debanking or consumer loss of access to payment technologies or accounts. https://www.kelleydrye.com/viewpoints/blogs/ad-law-access/cfpb-finalizes-rule-to-supervise-digital-wallets-and-mobile-payment-apps-ahead-of-transition-to-trump-administration Donnelly McDowell dmcdowell@kelleydrye.com (202) 342-8645 www.kelleydrye.com/people/donnelly-l-mcdowell Alex Schneider aschneider@kelleydrye.com (202) 342-8634 www.kelleydrye.com/people/alexander-i-schneider Salim Rashid srashid@kelleydrye.com (202) 342-8473 https://www.kelleydrye.com/people/salim-rashid Hosted by Simone Roach Subscribe to the Ad Law Access blog - www.kelleydrye.com/subscribe Subscribe to the Ad Law News Newsletter - www.kelleydrye.com/subscribe View the Advertising and Privacy Law Resource Center - www.kelleydrye.com/advertising-and-privacy-law Find all of our links here linktr.ee/KelleyDryeAdLaw

After a long hiatus, we are back with regular podcasts that feature questions from the new USCIS N-400 Application for Naturalization.  In honor of the Bill of Rights Day, December 15, we are pairing the first ten amendments with some questions from the new N-400 Part 9 and some Civics questions.  Here is a pdf of the A Quick Review of the Bill of Rights and the N-400 (2024) Part 9 plus Civics Questions.   Image: Bill of Rights depicted in cartoon format from 1971 Young Citizen teacher's guide transparency. Courtesy: Syracuse University. CLICK IMAGE TO ENLARGE and for teacher printable version. Before we begin, there are four news items: 1)     On September 20, USCIS released their new “One Nation, One People: Civics Test Textbook” for adults preparing to naturalize.  In support of their commitment 2gen civic literacy, USCIS also released “Color Me Civics: U.S. Landmarks and Symbols Coloring Book” in English and Spanish.  You can download these free resources from USCIS. 2) Two new N-400 (2024) Part 9 resources: ·        Pearson ELT USA Team just release a free pdf of the UPDATED Naturalization Speaking Test from Voices of Freedom by Bill Bliss.  Download the test practice.  ·        New Readers Press has just posted a new “Tricky Vocabulary” handout (for explaining vocabulary in the new N-400 part 9):  .  This resource complements Citizenship: Passing the Test Ready for the Interview Student Book 4th Edition by Lynn Weintraub 3)     On December 13, LINCS.ed.gov The 2024 Naturalization Fee Reduction Webinar with Shawn Chakrabarti, a former Education Specialist with the office of Citizenship, USCIS.  Mr. Chakrabarti explained the USCIS naturalization fee structure, highlighting that 9.2 million people are eligible for citizenship, with 4 million likely having limited English proficiency. He detailed the new fee waiver and reduction rules, noting that 80% of LPRs may qualify for fee reductions. Mr. Chakrabarti emphasized the importance of detailed student intakes, partnering with legal service providers, and leveraging digital literacy to navigate the new fee rules. He also encouraged commenting on Federal Register notices to influence future policies.  Although this webinar was not recorded, detailed notes and resources are available on LINCS.ed.gov Civics Education and Citizenship Group under the “FOLLOW UP: 12/13 The 2024 Naturalization Fee Reduction Webinar.” 4)     Finally, a petition titled, Call to Codify Improvements to U.S. Naturalization Test, hosted on the TESOL Advocacy Action Center.  The petition asks USCIS to codify two items in the Federal Register: ·        Intermediate low level of English is the fair and appropriate level for the civics and speaking test. ·        The speaking test which is based on eligibility interview with an USCIS officer should be limited to basic questions. For complex questions, applicants may use interpreters. With just one click, you can virtually sign the petition, which is immediately sent to your US representative and both senators.  Please sign this petition immediately to protect the fairness of the Naturalization interview. Thank you!  I know that you will be a GREAT American Citizen! This podcast is copy righted by Jennifer Gagliardi and US Citizenship Podcast and may not be remixed or re-used.

If you work for a bank or other consumer financial services provider, you will want to listen closely to how consumer advocates are reacting to Trump's election insofar as the CFPB and FTC are concerned. In today's podcast episode, we're joined by Erin Witte and Adam Rust (the “CFA Reps”) from CFA. We focus first on CFPB and FTC regulations that might be finalized during the lame duck session of Congress. The CFA Reps express hope that the FTC would finalize its so-called “junk fee reg” which, as proposed, called for “all-in” pricing (I.e., disclosure of a dollar amount for goods and services that includes all fees that will be charged in connection with the transaction.) They also express hope that the CFPB will finalize its checking account overdraft fees reg, the larger participant rule pertaining to non-bank payment providers and the medical debt rule which, if finalized, would result in unpaid medical debt no longer appearing on credit bureau reports. Of course, there is a risk, with respect to each of these rules as well as any other CFPB and FTC rules finalized roughly after August 1 of this year, which they may be overruled by Congress under the Congressional Review Act. We then discuss final regs promulgated by the FTC and CFPB which have been challenged in the Circuit Courts of Appeal. For the FTC, this includes the so-called CARS Rule (which imposes restrictions on car dealers' sales and financing of motor vehicles) and the recent “Click-to-Cancel” Rule which, among other things, requires sellers of goods and services on a subscription basis to be able to cancel subscriptions as easily as signing up for subscriptions. The latter rule has been challenged in four circuit courts of appeal.  We also discuss the status of many CFPB final regs and what a new CFPB's strategy may be with respect to them. They include: the $8 credit card late fee rule which is currently enjoined by a Federal District Court in Texas; the data collection reg pertaining to small business loans promulgated under Section 1071 of Dodd-Frank, which is currently on appeal before the Fifth Circuit Court of Appeals after a Federal District Court denied a motion by the bank trade associations to grant a preliminary injunction pertaining to the reg; the open-banking reg under Section 1033 of Dodd-Frank (which pertains to consumers having the ability to share information in certain bank accounts with third parties which has been challenged in court; the Buy-Now, Pay-Later interpretive rule which has been challenged in court; and the Earned Wage Access interpretive rule. There is great uncertainty as to whether the new CFPB's Director will seek to repeal or amend any of these regs or whether he or she will elect to change the CFPB's position in the litigation to side with the plaintiffs. In order to repeal or change any of the regs (other than the two interpretive rules), the CFPB will need to jump through all the hoops required by the Administrative Procedure Act before effecting a repeal or change and the repeal or change might be challenged in court as being arbitrary or capricious. It would seem that it might be much easier to repeal or change the interpretive rules which would not require publishing them in the Federal Register for notice and comment. The CFS Reps also express hope that the CFPB issues its final report with respect to the voluminous information it received from auto finance companies in response to market monitoring orders it issued to them. An initial report recently issued by the CFPB and dealt with the incidence of financing negative equity in cars being traded in. While the final report is unlikely to result in new proposed CFPB regulations during the next four years, the report might instigate enforcement actions by state AGs. As was the case during the first Trump presidency, the CFA Reps believe that whatever consumer protection void is created at the CFPB will largely be filled by state AGs, state departments of banking and consumer protection agencies. They also expect there to be an increase in private civil litigation, including class actions. Alan Kaplinsky, Senior Counsel and former chair for 25 years of the Consumer Financial Services Group, hosts the discussion.

  This week, join Sarah as she takes a closer look at 5 provisions from the CMS 2026 MA and Part D Proposed Rule.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Best Mobile Group Games! https://pod.fo/e/28b5ed Instagram Basics for Insurance Agents: https://pod.fo/e/28803f The Power of Listening & Laughter: https://pod.fo/e/2870fa   References: “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-P).” CMS.Gov, Centers for Medicare & Medicaid Services, 26 Nov. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription. “Medicare and Medicaid Programs: Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” FederalRegister.Gov, Federal Register, www.federalregister.gov/public-inspection/2024-27939/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 4 Dec. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Last Friday, the FTC's final Negative Option Rule was published in the Federal Register, starting the clock on the effective dates for the agency's expansive overhaul of requirements related to goods or services sold through any negative option or automatic renewal plan, including free trials, subscriptions, and repeat delivery offers. https://www.kelleydrye.com/viewpoints/blogs/ad-law-access/with-uncertainty-surrounding-the-ftcs-negative-option-rule-new-california-requirements-wait-in-the-wings Donnelly McDowell dmcdowell@kelleydrye.com (202) 342-8645 www.kelleydrye.com/people/donnelly-l-mcdowell Gonzalo Mon gmon@kelleydrye.com (202) 342-8576 www.kelleydrye.com/people/gonzalo-e-mon Kate White kwhite@kelleydrye.com (202) 342-8855 www.kelleydrye.com/people/katherine-white Beth Chun bchun@kelleydrye.com (202) 342-8671 www.kelleydrye.com/Our-People/Beth-Bolen-Chun Subscribe to the Ad Law Access blog - www.kelleydrye.com/subscribe Subscribe to the Ad Law News Newsletter - www.kelleydrye.com/subscribe View the Advertising and Privacy Law Resource Center - www.kelleydrye.com/advertising-and-privacy-law Find all of our links here linktr.ee/KelleyDryeAdLaw Hosted by Simone Roach

Today's podcast episode is a re-purposing of a webinar we recorded on November 12, 2024. Our special guests for that webinar were Colin Carr, Vice-President of Congressional affairs at the Consumer Bankers Association and Ian Katz, Managing Director at Capital Alpha Partners. John Culhane, a partner in the Consumer Financial Services Group at our firm. The webinar begins with Colin giving us an overview of President-Elect Trump's victory and the Senate and House elections which resulted in the Republicans achieving close majorities in both chambers. As a result, the Republicans may not have too much difficulty in confirming Trump nominees for various positions and may also be able to override final rules published in the Federal Register by the CFPB and other agencies after August 1 of this year under the Congressional Review Act. (This includes the so-called “open banking” rule pertaining to consumer control of their records at banks under Section 133 of Dodd-Frank. Ian then addresses certain leadership changes at the CFPB, FDIC, OCC, FRB and FTC and the possibility of Trump using recess appointments to nominate the leaders of those agencies. John Culhane then takes a deep dive into the current status and expected outcome of agency regulations (both legislative and interpretive), proposed regulations and other written but less formal guidance and circulars. This includes the CFPB's $8. credit card late fee rule, the small business data collection rule under Section 1071 of Dodd-Frank, the Buy-Now, Pay-Later interpretive rule, “open banking “ rule, and the changes to the UDAAP Exam Manual which described any form of discrimination as being an unfair trade practice, all of which are the subject of pending litigation. We also discuss the FTC's “CARS” rule and the “Click to Cancel” rule, which are also subject to pending litigation. Finally, we discussed the FDIC's “brokered deposits” rule. We explain how final legislative rules can only be overturned or modified through Congressional Review Act override (if they were adopted after August 1, 2024) or by proposing a repeal or modification under the Administrative Procedure Act (which is the same lengthy procedure utilized to promulgate the regulation) or by a final judgment of a court invalidating the rule. We also discuss whether the new CFPB Director may concede that the CFPB has been unlawfully funded under Dodd-Frank since the FRB may only fund the CFPB out of “combined earnings of the Federal Reserve Banks” and because there have been no such combined earnings since September, 2022. Alan Kaplinsky, Senior Counsel and former practice group leader for 25 years of the Consumer Financial Services Group at Ballard Spahr hosts the episode.  

We dive in the rules and regulations of USDA's Electronic ID Tag Rule.  We hear how to get some of the top Simmental and SimAngus Genetics.  Plus market recaps, horses for sale and lots more on this all new episode of the Ranch It Up Radio Show. Be sure to subscribe on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. EPISODE 212 DETAILS USDA ELECTRONIC ID TAGS EXPLAINED & TOP SIMMENTAL GENETICS USDA Electronic ID Tag Rules Explained USDA EID Tag Rule Sparks Questions Producers are still confused about how to use the new USDA EID Tags, where to get them, and wondering if there are enough in circulation. Justin Tupper, President of the U.S. Cattlemen's Association and owner/manager of St. Onge Livestock in St. Onge, South Dakota helps explain the rules and shares his experience and thoughts on the program. As the leading provider of EID tags and readers through the Allflex® brand, Merck Animal Health wants to support cattle producers in their decision-making with the expertise and solutions they need. Key Distinctions With Official ID Rules The new policy only applies to interstate movement. Other exemptions include direct-to-slaughter cattle and sexually intact cattle (and bison) under 18 months of age. Animals that will need electronically and visually readable tags when they enter interstate movement include: Sexually intact cattle and bison 18 months or older All dairy cattle, including beef-on-dairy crossbred animals Cattle and bison of any age used for rodeo, recreation events, shows or exhibitions Another important detail: Visual ear tags applied before Nov. 5, 2024, will be recognized as official IDs for the life of the animal. They'll be grandfathered in and will not need an EID. Easing The Financial Burden Producers and the livestock industry have raised concerns about the potential cost burden of the new tagging policies. Congress recently directed USDA-APHIS to allocate no less than $15 million for the cost of tags and related infrastructure to help offset those costs.2 Producers may be able to access EID tags for free via their state veterinarian. They can apply those tags at approved tagging sites. Producers can also buy EIDs directly from a distributor, online vendor or local dealer and apply the tags themselves. In addition, producers are not required to invest in tag-reading hardware or software, unless they choose to do so for herd management and record keeping. The EID tags can be used the same way as visual tags. Addressing Data Privacy Concerns EID tags are encoded with a number that identifies the animal, but no owner-specific information. The data associated with the tags will be stored in various federal and state databases. Access to that data will also be restricted to the state and federal officials responsible for managing high-impact diseases of the cattle industry. USDA agnostic on EID tags USDA isn't mandating or recommending any one brand of ear tag. Tags must be approved by the department and will be imprinted with the Official Eartag Shield. The Allflex radio frequency ID (RFID) tags offered by Merck Animal Health meet these standards. They use a short-read range that doesn't interfere with radio frequencies commonly found in livestock operations. Allflex tags do not include any global positioning system (GPS) capabilities. Producers also use these RFID tags to track health protocols, performance, reproduction and genetics. The new tagging requirements are intended to bolster the industry's tracing capabilities in the event of a disease outbreak. Contact your Merck Animal Health representative or tag supplier to find out how Allflex tags can help you comply with these rules while managing your beef or dairy operation more efficiently. References National Archives. Federal Register. Rules and Regulations. Use of Electronic Identification Ear Tags as Official Identification in Cattle and Bison. Animal and Plant Health Inspection Service, USDA. May 9, 2024. 89(91):39540-39566. APHIS-2021-0020. 2024-09717.pdf (govinfo.gov). Retrieved May 21, 2024. Rachael Oatman. Congress approves $15 million for EID tagging of cattle. Tri-State Livestock News. March 22, 2024. https://www.tsln.com/news/congress-approves-15-million-for-eid-tagging-of-cattle/. Retrieved May 21, 2024.   Simmental & SimAngus Genetics From Clear Springs Cattle Company Clear Springs Cattle Company presents the Mature Cow & Red Heifer Dispersal Sale, Saturday, November 30, 2024, at the ranch in Starbuck, Minnesota.  To view the catalog and see videos, click HERE. RanchChannel.Com Now Has The Futures Markets Futures Markets RanchChannel.com now has futures markets at your fingertips!  Feeder Cattle, Live Cattle, Corn, Wheat, Soybeans, Soybean Oil, Milk Class IV, and Ethanol.  Information is provided by DTN and market information may be delayed by as much as 10 minutes.  Click Here for more information! UPCOMING SALES & EVENTS Clear Springs Cattle Company: November, 20, 2024, Starbuck, MN World Famous Miles City Bucking Horse Sale: May 15 18, 2025   BULL SALE REPORT & RESULTS Churchill Cattle Company Van Newkirk Herefords Gardiner Angus Ranch Cow Camp Ranch Jungels Shorthorn Farms Ellingson Angus Edgar Brothers Angus Schaff Angus Valley Prairie Hills Gelbvieh Clear Springs Cattle Company CK Cattle Mrnak Hereford Ranch Frey Angus Ranch Hoffmann Angus Farms Topp Herefords River Creek Farms Upstream Ranch Gustin's Diamond D Gelbvieh Schiefelbein Farms Wasem Red Angus Raven Angus Krebs Ranch Yon Family Farms Chestnut Angus Eichacker Simmentals & JK Angus Windy Creek Cattle Company Pedersen Broken Heart Ranch Mar Mac Farms Warner Beef Genetics Arda Farms & Freeway Angus Leland Red Angus & Koester Red Angus Fast Dohrmann Strommen RBM Livestock Weber Land & Cattle Sundsbak Farms Hidden Angus Wheatland Cattle Company Miller Angus Farms L 83 Ranch U2 Ranch Vollmer Angus Ranch A & B Cattle Carter Angus Farms Roller Ranch Montgomery Ranch Jorgensen Farms DLCC Ranch Four Hill Farm North Country Angus Alliance Spruce Hill Ranch Wilson Angus Jorgensen Land & Cattle Motherlode Sale ISA Beefmasters JYJ Red Angus Jorgensen Land & Cattle, Legends Of The Fall Bull Sale   FEATURING Justin Tupper President, US Cattlemen's Association https://uscattlemen.org/ @uscattlemens Travis Wulf Clear Springs Cattle Company https://www.bredforbalance.com/ @wulf09 Kirk Donsbach: Stone X Financial https://www.stonex.com/   @StoneXGroupInc    Mark Vanzee Livestock Market, Equine Market, Auction Time https://www.auctiontime.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ @LivestockMkt @EquineMkt @AuctionTime Shaye Koester Casual Cattle Conversation https://www.casualcattleconversations.com/ @cattleconvos   Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast is available on ALL podcasting apps. https://ranchitup.podbean.com/   Rural America is center-stage on this outfit. AND how is that? Tigger & BEC Live This Western American Lifestyle. Tigger & BEC represent the Working Ranch world and cattle industry by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/ #RanchItUp #StayRanchy #TiggerApproved #tiggerandbec #rodeo #ranching #farming References https://www.stonex.com/ https://www.livestockmarket.com/ https://www.equinemarket.com/ https://www.auctiontime.com/ https://gelbvieh.org/ https://www.imogeneingredients.com/ https://alliedgeneticresources.com/ https://westwayfeed.com/ https://medoraboot.com/ http://www.gostockmens.com/ https://www.imiglobal.com/beef https://www.tsln.com/ https://transova.com/ https://axiota.com/ https://axiota.com/multimin-90-product-label/ https://jorgensenfarms.com/ https://www.bredforbalance.com/ https://ranchchannel.com/ https://www.wrangler.com/ https://www.ruralradio147.com/ https://www.rfdtv.com/ https://thehappytoymaker.com/ https://www.merck-animal-health-usa.com/species/cattle/cattle-insights/beef/new-cattle-eid-tag-requirements-2024 https://www.allflex.global/na/product_cat/electronic-identification/  

  We're at the midway mark for AEP! It's time to stop, listen to this episode, and assess if your sales strategy could use some improvements.    Read the text version     Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Pillars of Integrity ft. Jason Meyers: https://link.chtbl.com/ASGM20230925 7 Powerful Practices for Selling Prescription Drug Plans: https://ritterim.com/blog/7-powerful-practices-for-selling-prescription-drug-plans/ Ask Integrity: https://www.askintegrity.com/ Events with Ritter Insurance Marketing: https://ritterim.com/events/ Facebook Basics for Insurance Agents: https://link.chtbl.com/ASG607 FAQs About Third-Party Marketing Organizations (TPMOS) Disclaimers: https://link.chtbl.com/ASG6225 Free eBook & Guides: https://ritterim.com/guides/ Get Your Medicare Advantages Sales Contracts Here – Recommendations for 2025: https://ritterim.com/blog/get-your-medicare-advantage-sales-contracts-here-recommendations-for-2025/ Get Your Portfolio Reviewed: https://ritterim.com/portfolio/ Get Your PlanEnroll Site: https://ritterim.com/planenroll/ How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255 How Client Retention Boosts Insurance Sales: https://link.chtbl.com/ASG580 How to Survive AEP: Wellness Tips for Insurance Agents: https://link.chtbl.com/ASG553 Insurance Agents as TPMOS: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622 Keys to Client Retention: Face-to-Face Communication: https://link.chtbl.com/ASG578 Knight School Online Training: https://ritterim.com/knight-school/ Learn About Integrity's Tools: https://ritterim.com/integrity-tools/ Learn more about PlanEnroll: https://ritterim.com/planenroll/ MedicareCENTER: https://integrity.com/medicarecenter/ Meet Your Ritter Sales Team: https://ritterim.com/meet-your-sales-team/ PlanEnroll Lead Program Training Registration: https://trainings.planenroll.com/ Should You Hire an Assistant for Your Insurance Business: https://ritterim.com/blog/should-you-hire-an-assistant-for-your-insurance-business/ Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 Surviving AEP Resource List: https://ritterim.com/aep/ The Beginner's Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/ The Hidden Value of Selling Medicare Supplements During AEP: https://ritterim.com/blog/the-hidden-value-of-selling-medicare-supplements-during-aep/ The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024 TikTok Basics for Insurance Agents: https://link.chtbl.com/ASG603 When Do Med Supp Plans K, L, M, & N Make Sense: https://ritterim.com/blog/when-do-med-supp-plans-k-l-m-and-n-make-sense/ X (fka Twitter) Basics for Insurance Agents: https://link.chtbl.com/ASG609 What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104   References: Diamond, Dan. “10,000 People Are Now Enrolling in Medicare - Every Day.” Forbes, Forbes Magazine, 11 June 2024, www.forbes.com/sites/dandiamond/2015/07/13/aging-in-america-10000-people-enroll-in-medicare-every-day/#1ebb581f3657. “Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs; Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency; Additional Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency.” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 31 Oct. 2024. Fichtner, Jason J. “The Peak 65® Zone Is Here Creating a New Framework for America's Retirement Security.” Protected Income, Protected Lifetime Income Alliance for Lifetime Income, www.protectedincome.org/wp-content/uploads/2024/01/Whitepaper_Fichtner.pdf. Accessed 31 Oct. 2024. Neil Kokemuller. “Why Do People Buy Brand Names?” Small Business - Chron.Com, Chron.com, 29 Jan. 2019, www.smallbusiness.chron.com/people-buy-brand-names-69654.html.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

  Prepare for potential CMS secret shoppers! We outline best practices to help agents stay compliant during calls, whether you're talking to a client, lead, or potential secret shopper.    Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Common Questions From Secret Shoppers PDF: https://ritterim.com/documents/infographics/common-questions-for-secret-shoppers.pdf FAQs About the Medicare Call Recording Requirements: https://ritterim.com/blog/faqs-about-the-medicare-call-recording-requirements/ Get Your PlanEnroll Site: https://ritterim.com/planenroll/ How to Keep Clients Safe from Insurance Fraud: https://link.chtbl.com/ASG619 Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622 Join the Integrity Family: https://identity.integrity.com/register Learn More About Integrity Tools: https://ritterim.com/integrity-tools/ What Agents Can't Say During Medicare Sales Appointments: https://link.chtbl.com/ASG6245 What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/ Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/   References: “2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 5 Apr. 2023, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs; Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency; Additional Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency.” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 23 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Login.gov, the single sign-on platform provided by the General Services Administration, will begin offering a new identity verification option to its partners. GSA's new option will verify identity with facial recognition technology through the independently certified NIST 800-63 Identity Assurance Level 2 (IAL2), a standard that introduces the need for either remote or physically present identity proofing, according to a Wednesday press release. A final rule announced by the White House on Thursday will further codify and clarify responsibilities for U.S. agencies when it comes to accurate and trusted federal statistics. Specifically, the regulation will outline how federal statistical agencies should carry out responsibilities to produce information that's relevant and timely, credible and accurate, objective, and protects the trust of respondents and those providing the information by ensuring confidentiality of responses. That final rule, also known as the “Trust Regulation,” was posted for public inspection Thursday and will officially be published in the Federal Register on Friday.

If you missed FedTalks last month, you missed a fantastic panel on how federal agencies are preparing for the age of quantum. Fresh off of NIST's release of new post-quantum cryptography standards, Nick Polk, Branch Director for Federal Cybersecurity, Executive Office of the President; Ann Dunkin, CIO of the Department of Energy; and Michael Hayduk, Deputy Director, Information Directorate, Quantum, Air Force Research Laboratory discussed what's ahead as they look to secure federal systems and information from attacks powered by quantum computers. The National Institute of Standards and Technology's Artificial Intelligence Safety Institute is seeking information on the development of chemical and biology-focused artificial intelligence models. In a Federal Register posting, the AISI said it is specifically interested in potential benchmarks and evaluation tools for understanding these models, as well as guidance on mitigating the kind of security risks they might raise. As the Department of Defense experiments with biometric devices to better track the health and wellness of personnel, it issued a $96 million award last week to Finnish health technology company Oura to put its smart rings and services in the hands of service members. While the department didn't specify in the award announcement how many rings would be purchased under the firm-fixed-price contract — the rings retail for $299-$349 — it explains that the contract will also provide a suite of data analytics services the Pentagon's health arm can use to take action on the biometric information generated by the devices. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast on on Apple Podcasts, Soundcloud, Spotify and YouTube.

  Under CMS regulations, agents are considered Third-Party Marketing Organizations. We've got the FAQs to keep you informed!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: CMS' New Definition of Marketing & How It Affects Agents Selling Medicare Plans: https://link.chtbl.com/ASGN20230515B Do's and Don'ts of Medicare Compliance: https://link.chtbl.com/ASG542 How to Host a Successful Medicare Sales Event FREE eBook Direct Download: https://ritterim.com/documents/how-to-host-a-successful-medicare-sales-event.pdf How to Host a Successful Medicare Educational Event FREE eBook Direct Download: https://ritterim.com/documents/the-complete-guide-on-how-to-host-an-educational-event.pdf Rules for Hosting a Compliant Medicare Educational Event: https://link.chtbl.com/ASG540 Rules for Hosting a Compliant Medicare Sales Event: https://link.chtbl.com/ASG541 What Not to Say During Medicare Educational and Sales Events: https://link.chtbl.com/ASG476 The Ritter Compliance Program – Ritter Docs: https://docs.ritterim.com/compliance/compliance-at-ritter/   References: “CMS Issues New Rule Limiting Third-Parties Who Conduct Medicare Advantage Marketing: Perspectives: Reed Smith LLP.” Reed Smith, 6 June 2022, www.reedsmith.com/en/perspectives/2022/06/cms-issues-new-rule-limiting-thirdparties. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Medicare Communications and Marketing Guidelines...” Center of Medicare and Medicaid, 9 Feb. 2022, www.cms.gov/files/document/medicare-communications-and-marketing-guidelines-3-16-2022.pdf. “Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs...” Federal Register, http://www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 5 Sept. 2024 “Title 42 Chapter IV Subchapter B Part 422 Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 5 Sept. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Agents and agencies are considered Third-Party Marketing Organizations (TPMOs) by CMS. Listen to learn about marketing guidelines and how to stay compliant!    Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: CMS' New Definition of Marketing & How It Affects Agents Selling Medicare Plans: https://link.chtbl.com/ASGN20230515B Do's and Don'ts of Medicare Compliance: https://link.chtbl.com/ASG542 How to Host a Successful Medicare Sales Event FREE eBook Direct Download: https://ritterim.com/documents/how-to-host-a-successful-medicare-sales-event.pdf How to Host a Successful Medicare Educational Event FREE eBook Direct Download: https://ritterim.com/documents/the-complete-guide-on-how-to-host-an-educational-event.pdf Rules for Hosting a Compliant Medicare Educational Event: https://link.chtbl.com/ASG540 Rules for Hosting a Compliant Medicare Sales Event: https://link.chtbl.com/ASG541 What Not to Say During Medicare Educational and Sales Events: https://link.chtbl.com/ASG476 The Ritter Compliance Program – Ritter Docs: https://docs.ritterim.com/compliance/compliance-at-ritter/   References: “CMS Issues New Rule Limiting Third-Parties Who Conduct Medicare Advantage Marketing: Perspectives: Reed Smith LLP.” Reed Smith, 6 June 2022, www.reedsmith.com/en/perspectives/2022/06/cms-issues-new-rule-limiting-thirdparties. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Medicare Communications and Marketing Guidelines...” Center of Medicare and Medicaid, 9 Feb. 2022, www.cms.gov/files/document/medicare-communications-and-marketing-guidelines-3-16-2022.pdf. “Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs...” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 5 Sept. 2024. “Title 42 Chapter IV Subchapter B Part 422 Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 5 Sept. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/  

You need to get paid properly for surgical procedures on the Centers for Medicare & Medicaid Services (CMS) Inpatient-Only (IPO) List, according to Mary Beth Pace, vice president of care management at Trinity Health, and also the special guest during the next live edition of Monitor Mondays.Pace, in making the statement, was referring to rules and regulations set forth in the Federal Register for Medicare in 2024. She also alleges that some Medicare Advantage (MA) plans are not abiding by some of those rules and regulations. Pace says all MA plans need to abide by the IPO and reimburse correctly.But does your facility have the processes in place to ensure that you are being paid correctly for surgical procedures on the IPO? Be sure to listen in order to find out.Other segments during the weekly Internet broadcast will include these instantly recognizable features:• Monday Rounds: Ronald Hirsch, MD, vice president of R1 RCM, will be making his Monday Rounds.• The RAC Report: Healthcare attorney Knicole Emanuel, partner at the law firm of Nelson Mullins, will report the latest news about auditors.• Legislative Update: Matthew Albright, chief legislative affairs analyst for Zelis, will report on current healthcare legislation.• Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.

The Equal Rights Amendment, an amendment to the Constitution, protects people from discrimination on the basis of sex. Kate Kelly, Senior Director of the Women's Initiative at the Center for American Progress, sits down to talk with us all about the Equal Rights Amendment—its history, its importance for abortion access preservation, and what's necessary for certification.  The ERA, passed in 1923, is not a law but a constitutional amendment. Once put in, it cannot be removed. The ERA's introduction and popularity became a target for the conservative right, and its ratification has faced barriers ever since, including during the Trump administration. The current Federal Register archivist has said in her confirmation hearings that she will not certify anything she isn't instructed to, which leaves the U.S. at its current standing. Many organizations and Congresspeople, though, are pushing for the ERA's introduction into the Constitution as the 28th amendment. Support the showFollow Us on Social: Twitter: @rePROsFightBack Instagram: @reprosfbFacebook: rePROs Fight Back Email us: jennie@reprosfightback.comRate and Review on Apple PodcastThanks for listening & keep fighting back!

To address the increasingly hot temperatures nationwide, OSHA has moved closer to a final rule for workplace heat injury and illness prevention by issuing its Notice of Rulemaking in the Federal Register.  Chapters 00:00 Introduction and Background 01:49 Status of the Proposed Rule 03:09 State Plan Standards 04:32 OSHA's National Emphasis Program 08:19 Triggers and Requirements 10:14 Training and Written Program 16:36 Impact on Different Industries 18:01 Preparing for OSHA Inspections and Complaints

On August 7, 2024, the Federal Communications Commission (FCC) adopted a Notice of Proposed Rulemaking and Notice of Inquiry related to the use of artificial intelligence in outbound calls and texts. Among the proposed rules are a definition of an ​“AI-generated call” and disclosure requirements for placing such calls. This item is the latest in a series of actions taken by the FCC this year under its authority to implement the Telephone Consumer Protection Act (TCPA) and demonstrates the agency's continued focus on what it says is the ​“top category of consumer complaints that [it] receive[s].” Initial comments on the proposed rules will be due 30 days after the item is published in the Federal Register, and reply comments will be due 15 days thereafter. https://www.kelleydrye.com/viewpoints/blogs/ad-law-access/fcc-proposes-new-tcpa-rules-for-ai-calls-and-texts Alysa Hutnik ahutnik@kelleydrye.com (202) 342-8603 www.kelleydrye.com/people/alysa-z-hutnik Jennifer Rodden Wainwright jwainwright@kelleydrye.com (202) 342-8649 www.kelleydrye.com/people/jennifer…dden-wainwright Subscribe to the Ad Law Access blog - www.kelleydrye.com/subscribe Subscribe to the Ad Law News Newsletter - www.kelleydrye.com/subscribe View the Advertising and Privacy Law Resource Center - www.kelleydrye.com/advertising-and-privacy-law Find all of our links here linktr.ee/KelleyDryeAdLaw Hosted by Simone Roach

This Day in Legal History: “Starve or Sell”On August 15, 1876, the U.S. Congress passed a "starve or sell" bill, a genocidal piece of legislation aimed at coercing the Sioux Nation into surrendering their sacred Black Hills. The bill was passed just two months after the Battle of Little Bighorn, where Sioux and Cheyenne warriors achieved a significant victory against General George Custer's forces. The Black Hills had become a target for American expansion after Custer's 1874 expedition discovered gold there, sparking a rush of settlers. Rather than respecting existing treaties, which guaranteed the Black Hills to the Sioux, Congress chose to use starvation as a tool of negotiation. The bill stipulated that no further appropriations for the Sioux's subsistence would be made unless they relinquished the Black Hills, leaving the Sioux with little choice but to sign away their land. This event is a dark chapter in American history, reflecting the broader pattern of exploitation and broken promises that characterized the United States' treatment of Native American tribes. The "starve or sell" bill stands as a stark reminder of the lengths to which the government would go to seize indigenous lands.The FTC has issued its Final Rule on fake reviews, following a Notice of Proposed Rulemaking in July 2023. The Rule targets unfair or deceptive practices in consumer reviews, such as fake reviews, undisclosed company insiders writing reviews, and the sale of fake social media influence. Key provisions include prohibiting businesses from buying reviews that express a particular sentiment and requiring clear and conspicuous disclosures in reviews. The Rule also addresses review suppression, ensuring that businesses cannot hide negative reviews through intimidation or selective publication. Notably, the Final Rule excludes a proposed prohibition on "review hijacking," where existing reviews are repurposed for different products. Violations of the Rule could result in significant civil penalties, underscoring the importance of compliance for businesses that rely on customer reviews. The Rule will go into effect 60 days after its publication in the Federal Register. The complex and fact-specific nature of the Rule means businesses must carefully assess their practices to avoid potential penalties.End of “Fake Reviews”? — FTC Issues the Final RuleThe Biden administration announced that the U.S. government's first drug price negotiations under the Inflation Reduction Act will save Americans $7.5 billion in 2026. These savings will benefit senior citizens, who will see $1.5 billion less in out-of-pocket costs for ten key medications, and the government, which will reduce its Medicare spending by $6 billion. The policy, long sought by Democrats, allows Medicare to use its purchasing power to negotiate lower drug prices, a move that could cut the federal deficit by $237 billion over a decade. The newly negotiated prices are expected to be made public by September 1, and the policy will initially affect ten drugs, including treatments for diabetes and heart conditions. While the pharmaceutical industry has opposed the policy, claiming it effectively lets the government set prices, the administration views it as a historic step toward lowering healthcare costs.US Drug Price Negotiations Cut Costs $7.5 Billion in First YearThe Delaware Supreme Court upheld a $267 million fee award for attorneys who secured a $1 billion settlement with Dell Technologies Inc., reinforcing Delaware's precedent of substantial payouts in high-risk corporate litigation. Chief Justice Collins J. Seitz Jr., writing for the court, affirmed that the Chancery Court acted within its discretion, emphasizing that the case was complex and contentious, involving nearly 100 defense lawyers. This decision, which aligns with Delaware's long-standing multi-factor approach to fee awards, rejects Pentwater Capital Management LP's challenge for a lower fee based on federal court standards. The ruling underscores Delaware's reluctance to adopt rigid rules for fee awards, maintaining the court's discretion to consider case-specific factors like complexity, attorney experience, and the risk of non-payment. The decision comes as Tesla faces similar large fee requests in ongoing litigation, raising concerns about public perception of such massive legal fees. The court acknowledged that while these fees are intended to motivate attorneys to take on challenging cases, there is a risk they could be seen as excessive.​​Big Lawyer Paydays in Risky Cases Affirmed by Delaware Court (2)A U.S. judge signaled plans to issue an order requiring Google to give Android users more options for downloading apps, following a jury's finding that Google monopolized app distribution on its platform. Judge James Donato expressed frustration with Google's resistance to implementing reforms proposed by Epic Games, which sued Google for stifling competition. Donato indicated that his ruling will prioritize user and developer flexibility outside the Google Play store, aiming to open up the market after years of Google's dominance. He also mentioned setting up a compliance committee to oversee the changes. Despite Google's concerns about the impact on competition and security, Donato emphasized that Google must pay the price for its monopolistic behavior. This case adds to Google's legal challenges, as it also faces a separate government lawsuit over its search engine practices.US judge says 'monopolist' Google can't avoid app store reforms | ReutersChevron Corp has agreed to pay $550 million to the city of Richmond, California, over a decade as part of a settlement that led the city to drop a proposed tax on Chevron's local refinery. The settlement, approved by the Richmond City Council, will be paid in annual installments from July 2025 to June 2035. Richmond had planned to seek voter approval for a tax on the refinery, arguing that Chevron should contribute more to the community where it has operated for over a century. The settlement avoids the need for a ballot measure and resolves the dispute.Chevron to pay $550 million settlement to Richmond, California | ReutersCipher ChallengeIn the world of finance and taxation, certain phrases hold the key to understanding foundational concepts that impact us all. The following encoded message is one such phrase, essential to grasping the full scope of what individuals and entities must consider when assessing their financial obligations. Decipher this phrase, and you'll uncover a principle that is central to determining what falls within the broad spectrum of economic gain. The answer lies at the heart of how we define the starting point for many financial calculations. Can you crack the code? Send me a message with your best guess. doo lqfrph iurp zkdwhyhu vrxufh ghulyhg This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

  UPDATE! Because of current pending litigation, CMS adjusted 2025 maximum broker commissions for Medicare Advantage and Medicare Part D plans. Get the details on the changes to commission amounts for agents writing MA and PDP business for CY 2025.   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Reach out to your sales specialist at Ritter Insurance Marketing: https://ritterim.com/meet-your-sales-team/   References: “CMS Reverses Changes to Agent and Broker Compensation Rules.” DLA Piper, DLA Piper, www.dlapiper.com/en/insights/publications/2024/07/cms-reverses-changes-to-agent-broker-compensation-rules. Accessed 5 Aug. 2024. “Fact Sheets 2025 Medicare Advantage and Part D Rate Announcement.” CMS.Gov, Centers for Medicare & Medicaid Services, 1 Apr. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-advantage-and-part-d-rate-announcement. “The Federal Register.” Ecfr.Gov, Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2274. Accessed 5 Aug. 2024.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

Marijuana use has been surging across America as more states have ushered in legalization. The result-- There are now more than 12,000 dispensaries across the nation with only 11 states showing none.--On May 22nd of this year, U.S. News and World Report carried a story indicating that more Americans today use marijuana each day than alcohol. In spite of this, the Biden administration's Department of Justice has submitted their Notice of Proposed Rulemaking to the office of the Federal Register to reclassify marijuana as a less serious drug.--Appearing on Crosstalk to address this issue was Dr. Eric Hussar. Dr. Hussar is a board-certified family medicine physician practicing in Marietta, Pennsylvania. He graduated from Temple University Lewis Katz School of Medicine in 2002 and completed a residency at Lancaster General Hospital. He has enjoyed caring for patients ranging from pre-birth to 100 years for more than two decades. He is the Pennsylvania State Director of the American Academy of Medical Ethics.--This program is literally packed with important information. Beginning with explaining the differences between marijuana, hemp, cannabis, etc., Dr. Hussar also looks at marijuana's addictive nature, its effect on depression, the marijuana-pain argument, gummies and kids, the use by expectant mothers, CBD oils, the social costs and more. Pro-con input from listeners wrapped up the broadcast. - -You deserve to know the truth on this issue and you'll find it on this edition of Crosstalk.

Marijuana use has been surging across America as more states have ushered in legalization. The result-- There are now more than 12,000 dispensaries across the nation with only 11 states showing none.--On May 22nd of this year, U.S. News and World Report carried a story indicating that more Americans today use marijuana each day than alcohol. In spite of this, the Biden administration's Department of Justice has submitted their Notice of Proposed Rulemaking to the office of the Federal Register to reclassify marijuana as a less serious drug.--Appearing on Crosstalk to address this issue was Dr. Eric Hussar. Dr. Hussar is a board-certified family medicine physician practicing in Marietta, Pennsylvania. He graduated from Temple University Lewis Katz School of Medicine in 2002 and completed a residency at Lancaster General Hospital. He has enjoyed caring for patients ranging from pre-birth to 100 years for more than two decades. He is the Pennsylvania State Director of the American Academy of Medical Ethics.--This program is literally packed with important information. Beginning with explaining the differences between marijuana, hemp, cannabis, etc., Dr. Hussar also looks at marijuana's addictive nature, its effect on depression, the marijuana-pain argument, gummies and kids, the use by expectant mothers, CBD oils, the social costs and more. Pro-con input from listeners wrapped up the broadcast. - -You deserve to know the truth on this issue and you'll find it on this edition of Crosstalk.

Marijuana use has been surging across America as more states have ushered in legalization. The result? There are now more than 12,000 dispensaries across the nation with only 11 states showing none.On May 22nd of this year, U.S. News and World Report carried a story indicating that more Americans today use marijuana each day than alcohol. In spite of this, the Biden administration's Department of Justice has submitted their Notice of Proposed Rulemaking to the office of the Federal Register to reclassify marijuana as a less serious drug.Appearing on Crosstalk to address this issue was Dr. Eric Hussar. Dr. Hussar is a board-certified family medicine physician practicing in Marietta, Pennsylvania. He graduated from Temple University Lewis Katz School of Medicine in 2002 and completed a residency at Lancaster General Hospital. He has enjoyed caring for patients ranging from pre-birth to 100 years for more than two decades. He is the Pennsylvania State Director of the American Academy of Medical Ethics.This program is literally packed with important information. Beginning with explaining the differences between marijuana, hemp, cannabis, etc., Dr. Hussar also looks at marijuana's addictive nature, its effect on depression, the marijuana/pain argument, gummies and kids, the use by expectant mothers, CBD oils, the social costs and more. Pro/con input from listeners wrapped up the broadcast. You deserve to know the truth on this issue and you'll find it on this edition of Crosstalk.

One of the most beneficial income-driven repayment (IDR) plans will be discontinued on July 1, 2024. Why haven't you heard about Pay As You Earn (PAYE) going away? Because it's not mentioned on StudentAid.gov (as of the date of this podcast), and borrowers have told us they're getting mixed messages from their servicers. PAYE's discontinuation was buried in the Federal Register, a massive legal document, and it's a huge change for some borrowers. Angie Pack, CSLP®, and Ben Lacomis, CSLP®, unpack what this change means for you. In today's episode: 05:35 Deciding if PAYE is right for you 16:11 When the new Saving on a Valuable Education (SAVE) plan wins 22:12 PAYE tips for dentists and physicians 44:41 Enrollment deadline is uncertain for PAYE 49:39 How your income shapes the best repayment plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning   Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureThe standard of living around the world is falling, and the people are now seeing it. Biden has been caught rigging EV carbon credits. Because of the [DS] agenda many cities will be ghost cities. Trump announces that the [CBDC] will not be implemented when he is President. Right on schedule. We are in the middle of a war, this is an information war that the [DS] wants to bring into a physical war, which would be WWIII. Trump is letting the people know that we must set the tone to let the [DS] know we're coming for justice. The direction is clear, the people must rise up and vote the tyrannical fake government out of DC. The storm is coming.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy https://twitter.com/WallStreetSilv/status/1747906684750893420?s=20 Biden Caught In Huge Rigging Of EV Carbon Credits At Taxpayer Expense  Carbon Tax Credits The Biden administration and the Department of Energy colluded to rig estimated gas mileage from EVs. For example, a Tesla that gets the equivalent of 65 MPG, receives tax credits as if the Tesla gets 430 MPG. Electric-Vehicle Cheating Scandal The Wall Street Journal comments on The Electric-Vehicle Cheating Scandal It's hard to think of a worse environmental scandal in recent years than Volkswagen's 2015 diesel-emissions cheating. The German automaker was rightly pursued by regulators, enforcement agencies and class-action lawyers. The scandal ended up costing Volkswagen an estimated $33 billion in fines and financial settlements—and revealed that diesel-emissions cheating was endemic. When it comes to electric cars, the government has a cheating scandal of its own. Under an Energy Department rule, carmakers can arbitrarily multiply the efficiency of electric cars by 6.67. This means that although a 2022 Tesla Model Y tests at the equivalent of about 65 miles per gallon in a laboratory (roughly the same as a hybrid), it is counted as having an absurdly high compliance value of 430 mpg. That number has no basis in reality or law. Until recently, this subsidy was a Washington secret. Carmakers and regulators liked it that way. Regulators could announce what sounded like stringent targets, and carmakers would nod along, knowing they could comply by making electric cars with arbitrarily boosted compliance values. Consumers would unknowingly foot the bill. The secret is out. After environmental groups pointed out the illegality of this charade, the Energy Department proposed eliminating the 6.67 multiplier for electric cars, recognizing that the number “lacks legal support” and has “no basis.” [Let's not mince words, how about … illegal subsidy] Carmakers have panicked and asked the Biden administration to delay any return to legal or engineering reality. That is understandable. Without the multiplier, the Transportation Department's proposed rules are completely unattainable. But workable rules don't require government-created cheat codes. Carmakers should confront that problem head on. Illegal Credits   this scandal is buried deep in the Federal Register—on page 36,987 of volume 65. Since the tax credits “lack legal support” and have “no basis”, all the beneficiaries should have to return their illegal gains.   Source: zerohedge.com Study Predicts Thousands of U.S. Cities Will be ‘Ghost Towns' by the Year 2100 A new study is predicting that thousands of American cities will become ‘ghost towns' by the year 2100, due to a mix of various social and economic factors. We already see massive decay in some American cities...