New Maine Pot Law Clouds Rules On Drug Use | laws and issues

If one of your employees failed a drug screen, what would you do?If you’re like most employers, you have clear procedures on how to respond, particularly if you fall under federal guidelines.Now, what would you do if that same employee suddenly flashes a registry identification card issued to him under Maine’s new medical marijuana law? Do you follow the same procedures?Maine’s new law is about to change all the rules on drugs in the workplace. Many of the personnel procedures that businesses have in place just went up in smoke with the new law.Now an employee who is a “qualifying patient” and who has been issued a registry identification card is protected against disciplinary action for the use of medical marijuana.In addition, employers cannot refuse to hire and cannot penalize someone just because they are registered as a qualifying patient.So what are employers supposed to do? Is it now acceptable to come to work stoned?Well, there is a lot more that we don’t know about the new law than we do, but the short answer is, the law does not permit a person to perform any task while under the influence, and that includes operating a motor vehicle.So let’s look at what we know about the law.To begin, the law does not require an employer to allow the use of a drug at work or permit an employee to work under the influence. While it may be difficult for a manager to prove that an employee is impaired, employers can still demand that employees are fully able to work before they report to work.When faced with an employee you believe is impaired and under the influence, document your findings, focus on observable behavior and unless you’re a medical doctor, don’t diagnose. In fact, even if you are a doctor, you might want to refrain in this case, too.Treat the use of medical marijuana in the same manner that you would deal with other prescribed medications that would impair an employee’s ability to safely do the job — particularly when operating dangerous equipment. Consistency is the key.While Maine law allows the use of medical marijuana, it is still illegal under federal law. As a result, employers will have to deal with employee situations differently, particularly when faced with federal government mandates.As an example, employers who fall under federal guidelines, such as the federal Department of Transportation rules, must still follow their rules including the testing mandates. As a result, any worker who tests positive for drugs, including marijuana, cannot report to duty, remain on duty or perform safety-sensitive functions.In addition, the employer may not permit the worker to perform any safety-sensitive functions until the worker has a substance test indicating a negative result.However, it is not clear what employers can do next.Sending an employee to rehabilitation would be the next logical step, but how do you rehabilitate someone who has been medically prescribed the drug? Termination may also be out. So what should employers do?Since federal guidelines do not allow an employee to resume driving, for example, with a positive drug screen and since marijuana stays in the body’s system for weeks, employers may be forced to place an employee on medical leave until he gets a negative test result.Employers will need guidance from the Legislature or the courts on this and should consult with a lawyer in the interim.Employers may find themselves in a difficult spot — caught between a new law legalizing, in limited situations, what is illegal under federal and in most state laws. And what complicates it more, guidance from the state is slow in coming. Without it, employers may have to wait for the courts — and no one wants to be the test case.In the interim, employers still must run their businesses and should put procedures in place for dealing with employees who are allowed medical marijuana. In addition, employers should continue to follow federal requirements including the mandated testing.However, do not terminate employees who test positive without consulting legal counsel first. Consider putting these employees on medical leave. And if you currently have a state-approved drug testing policy, consider excluding the testing of medical marijuana.Educate your managers and supervisors on the changes in the law so they can properly handle these employee situations. And finally, consult with your attorney before taking any adverse actions with an impaired employee or those who test positive on a drug screen.There is a lot we still don’t know about Maine’s new medical marijuana law.We are in uncharted territory, and it is safe to say that it is only a matter of time before many employers will be faced with an employee who is legally using marijuana.Take what steps you can to prepare now, including updating your policies and procedures and training your managers and supervisors. In the short term, dealing with this new law is going to complicate managing your work force.

How to Invest Like a Professional Investor | investing

Investing is a scary subject for many. Most amateur investors think investing is risky and are scared of losing money. Investing is not risky if you know what you are doing. The secret to controlling risk when it comes to investing is by investing first in your financial education before investing with your money. You have to invest like a professional investor.This may sound like a common sense advice, but in reality most people feel investing is rocket science or feel they do not have the time to study to become a professional investor. Consequently. most people hand over their hard earned money to strangers they hope are experts, or invest based on advise they cannot validate because of their own lack of financial education.When it comes to driving, we attend a driving school and obtain a driver’s license before we hit the road. A doctor goes to medical school, does internship etc before he practices. In virtually field of endeavor, we prepare first before we dive in. But when it comes to investing, most people dive in first without taking time to understand what they are doing. Investing without knowing what you are doing is very risky.How do you invest like a professional investor?By first of all investing in your financial education to enable you:Analyze investments
Understand markets and trends
Tell between a bad advice and good advice
Tell between a good adviser and bad adviser
Tell between a good investment and bad investment
Tell if an investment fits your investment plans and financial goalsA professional investor takes his own decisions and does not swallow every financial or investment advice hook, line and sinker.A professional investor can tell between a sales pitch and an investment advice. Without financial education, you are at the mercy of your financial adviser. Most financial advisers are employees working for fees or commissions. To earn their fees, they have to tailor their advice towards their products to earn their commissions.A stock broker will advise you invest in stocks and mutual funds
A banker will advise you invest in a money market instrument
An insurance broker will advise you invest in an insurance product
A commodities trader will advise you invest in commodities
A real estate broker will advise you invest in real estateAdvisers look out for themselves while dispensing financial advice, hence the advice you get is based on who you talk to. Without financial education, you will not have your own answers, and will have to run with whatever limited advice you are given.The most common question on the lips of an amateur investor is what to invest in, while a professional investor does his due diligence to determine an investment that will yield his required returns. The professional investor invests for both cash flow and capital gain while the amateur pins all his hopes on capital gain which is outside his control. Hence a professional investor has control over the investment while the amateur has no control and only hopes for the market to go up. The professional wins in up and down markets while the amateur only wins in a market boom and is scared to death of a market crash.To invest like a professional, your first and most important step is to invest in your financial education and become your own expert. Rather than hand over your money to strangers and hope they know what they are doing, take control of your financial future by making decisions in your best interest. Nobody cares about your money more than you do. Become an investor before you invest. Invest in becoming a professional investor.


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