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Warhammer Gaslamp: Imperial Society
(For the Introduction, see here)
The State
In many ways, the Empire of Man in 2725 IC is scarcely recognizable compared to the rickety feudal monarchy of the 2500s. While the Grand Provinces still exist on paper, the vectors of power have transformed radically. In exchange for generous subsidies from the central government, seats in the Imperial Parliament's House of Nobles, and other privileges, the Elector Counts and the provincial nobility have ceded much of their de facto independence - such that it is now provincial law that must be approved by the Emperor's Prime Estates in Altdorf for harmony with Parliamentary law and Imperial regulation, not the other way around.
While the electoral franchise has been gradually extended to all adult men with an income of 12 marks (one for each of Sigmar's tribes), as well as veterans of all income levels, the Imperial Parliament's power of legislation and the purse is balanced by the immense state capacity of the Imperial Bureaucracy. A massive civil service of some 2 million public sector workers who answer to the Emperor and his Chancellor (who also serves as the Chairman of the Council of Ministries) the Imperial Bureaucracy is fanatically meritocratic and even though the sons of the elite are disproportionally represented (especially in the top ranks), mere birth and privilege are not enough to succeed in government. Even the bluest of bloods must still pass the draconian Entrance Exams and follow those up with a strong record of Yearly Performance Assessments in order to survive the political knifefighting and rise through the ranks.
In addition to the General Staff of the Imperial Armed Forces, the Treasury Ministry, and the Ministry of Industry and Public Works, one of the most influential of the Ministries is the Health Ministry. Emerging out of a longstanding compromise between the Farmer-Artisan Party and the Patriotic Party, the Health Ministry is in charge of the Sozialversicherung Gemeinschaft, which provides modest old age, widows and orphans, disability, and kurzarbeit pensions to all citizens of the Empire...as long as they give yearly blood samples to the Imperial Plasmic Survey. The Survey tests tens of millions of samples for signs of epidemic, industrial, environmental diseases, and malnuitrition, which it uses to triage people into Imperial Hospitals and District Health Centers.
Secretly, the Imperial Plasmic Survey also tests citizens for were-Beastmanism and other forms of mutancy, and signs of vampirism and vampiric transfusion (and increasingly less commonly, unlicensed witchcraft). The Health Ministry then passes on the information of anyone who fails their tests to the Schwarzmänner - the secret police descended from the Ancient Initiatic and Holy Order of the Templars of Sigmar - who will hunt you down like the dog you are.
The only way for one of the "Untervolk" to escape the hunt is to flee into the sewers, subway tunnels, and ancient sub-sub-sub basement communities known as the Undercities, where they fight a desperate war for survival (and food) against the Skaven.
The Church(es)
In the last two hundred years, most of the Imperial Cults have fallen under the benevolent paternalism of the Church of Sigmar; while Morr, Verena, Shallya, Myrmidia, Taal, Rhya, Mananna, and the like are honored by those who have need of their services, their clergy are largely dependent on the Church of Sigmar for their financial livelihood.
As I have already mentioned, the Church of Sigmar is increasingly polarized between the Orthodox Volkmarites and Radical Hussites. Socially conservative and stronger in the north and west of the Empire, especially among the bourgeoisie, nobility, and larger farmers, the Orthodox Volkmarites believe strongly in obedience to authority. In their doctrine, Sigmar's Plan has predetermined for every person in the Empire their proper place on the Great Chain of Being, and Sigmar does not make mistakes.
By contrast, the Radical Hussites are stronger among workers, agricultural laborers, and small farmers in the south and east of the Empire. The Hussites believe that "the Strength of Sigmar is in the People," and that all believers stand equal in the ranks of His Army. Moreover, Hussites believe in "Strength Through Progress," that in order to be strong, the Empire must constantly reform itself to meet the crisis of the day. Proof of the righteousness of their beliefs is to be found in the Avatars of Sigmar, who are continually born into the world to serve as the Messiahs of the People, and show them the new path – Valten the Martyr being the most famous of these Avatars. Hussites await the coming of a New Avatar of Sigmar in the coming Time of the Comet.
While most of the conflict between Volkmarite and Hussite are carried out in pulpits and Church councils, both factions also recruit and sponsor Hammermen, the modern descendants of the Warrior Priests of old, who still carry two-handed warhammers as symbols of their faith, although they have long since traded red robes for long Army-surplus greatcoats. Among the common people, the Hammermen are seen as incorruptible tribunes who will see that justice is done in all those cases that the Reichspoletzei don't consider worth their time, but they are equally likely to turn their warhammers on their rivals.
In recent decades, the religious status quo has been violently disrupted by the Neo-Ulricanism of Nietzsche Zarathustein. Growing ever stronger in the North, especially around New Middenheim-Ulricberg, Neo-Ulricanism emphasizes the need for the individual to move beyond conventional social authority and become independent moral agents in the world by continually testing their strength against the darkness. As Zarathustein writes in Man unt Wulf-Man, “he who wars against the abyss shall never fall into the abyss.”
Institutions of Learning
In addition to the Imperial War Academy and the various State Universities, the Imperial University of Neüscience and Techno-Sorcery bears particular mention, as it is the institution whose Technomancers have given the Empire the upper hand in economic development and mechanized warfare. When the winds of the Aethyr shifted westward starting in 2594, gradually bypassing the Old World and drawn across the Great Sea to the "gulf stream" effect of the Vortex of Ulthuan, magic began to weaken on the Continent, even as a new breed of super-engineers began to produce inventions and discoveries once only possible through sorcery.
While initially denounced by the Colleges of Magic and rigorously investigated by the Schwarzmänner, the Technomancers were vindicated by the fact that repeated tests done by the Imperial Plasmic Survey demonstrated not even latent aptitudes for witchcraft. Under pressure from the Emperor and the General Staff, and with the strong patronage of the Monopolhauses, the Imperial Colleges of Magic, the University of Altdorf, the Nuln College of Engineering, the Imperial Gunnery School, and the University of Nuln were merged into the Imperial University of Neüscience and Techno-Sorcery (known better as the “Exploding University”), with rival campuses in Altdorf (specializing in theoretical neüscience) and Nuln (specializing in applied neüscience).
The common people of Altdorf and Nuln would be more outraged by the dangerously weird and weirdly dangerous experimental research perpetrated by the faculty and student body alike, if the University wasn't such a boon to the local construction, manufacturing, and sanitation industries. As it is, they only storm the campuses with torches and bricks when the University forgets to pay its parking tickets, or when the wrong team wins the University Blood Bowl Cup.
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Golden age of streaming could cost viewers up to £2,500 or more a year
New Post has been published on https://thedailyrugby.com/golden-age-of-streaming-could-cost-viewers-up-to-2500-or-more-a-year/
The Daily Rugby
https://thedailyrugby.com/golden-age-of-streaming-could-cost-viewers-up-to-2500-or-more-a-year/
Golden age of streaming could cost viewers up to £2,500 or more a year
As the cost of living crisis deepens, you may be assessing your regular monthly outgoings and looking for things you can cut back on. If you are lucky enough to be a homeowner, your biggest monthly expense is likely to be your mortgage.
But will your lender allow you to reduce your payments if you explain that you are struggling? And how will that affect your credit record? Similarly, if you have life insurance or a pension, can you take a break from your payments, and what will the consequences be?
Taking a break from your mortgage
According to UK Finance, the trade association for banks, mortgage lenders should offer “forbearance” to any customer who is in financial difficulty or unable to make their mortgage payments.
This could take the form of an authorised payment holiday, where your lender gives you permission not to pay your mortgage for a short period, usually up to three months. Alternatively, with your lender’s permission, you may be allowed to reduce your monthly repayments.
It can be tempting to cut pension contributions when money gets tight but you are losing more than just your own contribution
These arrangements come at a cost. Any payment holiday will be noted on your credit record, which could have implications the next time you want to borrow money – you may, for example, be charged a higher interest rate. You will also be expected to pay back everything you have missed paying once you are no longer in financial difficulty. Your mortgage is likely to cost you significantly more in the long run.
Cancelling life insurance premiums
LV= allows this – but you can only benefit if your policy (for income protection, critical illness or life insurance) has been in force for a year or more, you have a good history of paying and are less than three months behind with monthly premiums. You must declare that you have suffered a significant drop in your income or that your usual earnings have stopped. The payment break will only be offered for a month at a time, for up to three months.
If you do find yourself in a position where you have to cut or stop your contributions, try to resume them as soon as you can.
For example, it says a 33-year-old with £250,000 of life cover, paying £21.86 a month, could reduce their payments to £4.17 a month for six months. However, the maximum that could be claimed during this six-month period would be only £10,000.
Cutting your pension contributions
You may also be considering reducing or stopping your pension contributions for a while. This may ease your financial pressures a little in the short-term but it will reduce your income in retirement.
Cutting £693 a year from your pension will mean £1,284 less goes into your fund. If that money manages to grow by 5% a year until you retire, the long-term cost is even greater. Hargreaves Lansdown, an investment platform, estimates that a 40-year-old basic-rate taxpayer who cuts back on their pension payments in this way – reducing their contributions by only £57.75 a month for only one year – would end up £4,569 worse off, before fees, by the age of 67.
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Vidhwa Pension Yojana Amount Double : विधवा पेंशन की राशि बढ़ी
Vidhwa Pension Yojana Amount Double : विधवा पेंशन की राशि बढ़ी
Vidhwa Pension Yojana Amount Double विधवा पेंशन योजना नई राशि: विधवा पेंशन योजना राज्य सरकार द्वारा विधवा महिलाओं को लाभान्वित करने के उद्देश्य से शुरू की गई है, इस विधवा पेंशन योजना के तहत राज्य सरकार अपने स्तर पर राज्य की निराश्रित विधवा महिलाओं को पेंशन देकर वित्तीय सहायता प्रदान करती है। इस पेंशन योजना का लाभ उठाकर ये ��हिलाएं अपनी आजीविका कमाने के साथ-साथ अच्छे से जीवन यापन भी कर सकती…
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The more we restore detail to the German reparations project the less applicable it becomes to the American debate. The Luxembourg Agreement of 1952 – reached between Adenauer’s government and the state of Israel, along with representatives of the Jewish Claims Conference – and the legislation that followed it, the Additional Federal Compensation Act of 1953, didn’t apply to Jews in general, or to their descendants, or to the tens of millions of other victims of the Nazi regime. Under the agreement Germany paid Israel compensation for resettling half a million Jewish refugees. The use of the money was severely restricted: most of it could be used only to purchase goods produced in Germany – telephone systems, electrical generators, railway sleepers, chemicals. There is no question that this was good for the new Jewish state as well as for German business, and it improved the standing of the Bundesrepublik with its Allied occupiers. But it has little relevance for those in the US who want to think about how reparations for slavery could be arranged.
A revised Federal Compensation Act in 1956 also offered reparations to a narrowly delineated subset of German Jews who had suffered specific sorts of ill-treatment and to their surviving dependants. Claims had to be filed by the end of 1969. Over the next fifty years other groups became eligible for reparations, each with a different compensation schedule. The last large-scale payments were agreed late in 1999 after a series of lawsuits were brought in the US on behalf of people who had worked as forced and slave labourers during the war, as well as claimants against various German insurance companies and banks. Hundreds of lawyers and functionaries representing clients with divergent interests came up with a schedule of payments with which no one was happy. By the time the fund was established in 2000, 10 per cent of those who might have benefited were dead.
The Foundation for Remembrance, Responsibility and the Future paid out €4.45 billion, and was jointly financed by the German government and 6500 Germany companies. Smaller amounts are still being distributed: in 2018 the Claims Conference and the German government announced that there would be a one-off payment of €2500 to each of the few remaining survivors of the Kindertransport. But many of those who had suffered most were beyond reparations, including the rabbis who were murdered with their congregations in the forests of Ukraine or the death camps of Poland. The German rabbis who managed to escape to safety were given back pay or pensions as the civil servants they had been, or reparations for lost personal property if they could document chair by chair and fork by fork what had been taken from them. The chasm between suffering and recompense was vast.
I need to declare an interest here: a coming to terms with my own past. As a child of the German Jewish diaspora I lived in some intimacy with the Wiedergutmachung, the German reparations. There was a lot of talk in my family and among our friends about finding documents that would establish eligibility and prove damages; there was a lot of talk about who got how much and what for. There was general agreement that the single biggest determinant of success in obtaining reparations was the effectiveness of your lawyer. I don’t remember there being any of the moral fervour that informs the debate about reparations to African Americans for slavery. But an elegiac sadness was attached to the country they had lost: every household in my parents’ circles in the US and England and Israel had copies of Goethe and Schiller. For them, an inner Germany remained: ‘Die Schweine’ – the swine – had captured their Germany, the real Germany, but it remained the home of the soul even if return was impossible, just as the South has remained home to some of the African Americans who left it.
My cousin Gunther emigrated to Holland with his mother, my father’s oldest sister, after Hitler came to power. In the summer of 1943, when he was 22 and she was 44, they were caught up in one of a series of raids on Amsterdam’s Jewish areas. Gunther, wearing a leather bomber jacket of the sort the SS favoured, started shouting abuse at his fellow Jews, was presumably mistaken for a German, and allowed to walk away. At least, that’s how he tells the story. He never saw his mother again. He lived underground for nearly two years until Amsterdam was liberated in early May 1945. His mother was murdered at Sobibor on 9 July 1943. Gunther fell between the stools of eligibility for reparations: too young for a profession, he couldn’t get reparations for his career being interrupted; being between high school and university when the war began, he couldn’t argue that his studies had been interrupted.
My grandmother never quite believed that her daughter had been murdered: she was somewhere in ‘the East’, she claimed. I’m not sure she was ever told what had become of her own older sister: the Yad Vashem database says only that she was ‘murdered in the Shoah’; according to Red Cross records, she received a care package in Terezín. Maybe she died there. My grandmother escaped to Turkey in December 1939 with all her possessions in a couple of suitcases. She had no documentation for her Bechstein grand piano, which had kept her in Germany until it was almost too late, or for the other possessions she’d left behind, and so had no chance of proving a claim for material losses. The law held that German citizens whose relatives could be shown to ‘have been killed or driven to death within eight months of persecution’ were eligible to apply for reparations, but only if the person killed had been the family’s primary breadwinner. My grandmother got a share of the pension due to her husband as director of the health insurance system in Hamburg.
On the scale of Holocaust suffering my family’s was modest. But those who had suffered far more got proportionally much less. My colleague Paula Fass, the child of camp survivors, has written about discovering her ghost family, the families her mother and father lost before they met in a displaced persons’ camp in Germany and started anew. These were the families of which they would not speak. Her mother sent off her nine-year-old son with a bit of bread in a sack she had sewn when he was taken from the children’s ghetto in Lodz to be murdered on 4 September 1942; her then husband was murdered later. Paula’s father, his first wife and four children – aged between ten and fifteen – were transported to Auschwitz when the Lodz ghetto was liquidated in August 1944. Only he survived, and there is no record of when the rest of his family was killed: ‘presumed murdered’ is all the Yad Vashem database says. By that point, in 1944, the Germans were murdering and burning Jews at the rate of ten thousand a day and their record-keeping had slipped. I asked Paula whether her parents received any reparations. They had: for impairment to their health. He was judged 40 per cent disabled; she 30 per cent, the lowest level for which compensation was available. Their eligibility had to be recertified every year by a German doctor.
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Equity Release - A Quick Guide to the Different Schemes
Collateral Release is the term used to describe a financial solution that is available in the UK for those who are 55 or over. The term again covers the financial sector, with Equity Release Schemes, Lifetime Mortgages and Home Reversion Plans being that products that are available. The first thing to note is that equity release schemes, equity release mortgages and lifetime mortgage are generally one in the same thing, with the terms being used interchangeably. Each of these products refers to a financial product that releases profit for homeowners aged 55 or over. The money is released from the equity in their property, with the amount being good property value and the age of the youngest applicant. The amount that can be released starts at around 21% for those previous 55, and increases at approximately 1% per annum up to a maximum of 56% at age 90. The maximum amount readily available drawdown will change between providers. Essentially all equity release schemes operate by releasing a lump sum that could be spent however you wish. Now this may be for home improvements, to supplement ongoing pension income and state positive aspects, for the holiday of a lifetime, or simply to assist your loved ones such as children or grandchildren. The options available when releasing collateral are either as a maximum lump sum as per the previous percentages, or as a minimum lump sum around £10, 000 with the balance being made available as an equity release drawdown facility. Equity release drawdown is usually set for a minimum release of between £2000 and £2500. After you have released funds, interest is rolled up against the asking for, generally at a fixed rate of interest for life. This means that you know from outset exactly how the debt will increase over time. For example a group sum of £10, 000 at a fixed rate of 7% will grow to £19672 after 10 years, and £38697 after 20 years once the rolled up interest is added to the original borrowing. Compare this to a lump sum of claim £30, 000 which would grow to £59, 000 over 10 years at a fixed rate of 7%, and the selling point of equity release drawdown option is clear to see. It is worth noting that different providers offer the option to protect a percentage of the property for those wishing to protect an amount for inheritance, i. e. protecting 50% of the property value. The following certainly provides peace of mind, but will reduce the maximum amount that can be released from the property as the aforementioned percentages may be based on the reduced amount of the unprotected portion of the property. Equity Release Lifetime Mortgages really can provide a solution for those which were asset rich but cash poor, and can make the difference between just getting by, or actually experiencing and enjoying retirement and old age. They're not for everyone though, and obtaining advice from one of the many equity relieve advisers in the market is to be recommended. This will help provide you with an appreciation of both the pros and cons associated with Equity Release. For instance: - Pros You can remain living in your property for the rest of your life There are no monthly payments to be made The debt is usually repaid only when the last surviving applicant passes away, the property is sold, or a move into long term care. No negative equity ensures ensure you can never owe more than the property is worth Cons Releasing equity can affect entitlements to means tested benefits. Since interest rolls up over time, the reduction in equity could make it difficult to move home, or downsize. As the attraction rolls up the amount that can be left to your beneficiaries reduces. Home Reversion Plans Unlike Lifetime Mortgages where people retain complete ownership of the property, Home Reversion Schemes work on the basis that you can sell anything from 20% to help 100% of your property to the Home Reversion Company, with any amount not sold, being held in rely on. Home Reversion is only a small part of the Equity Release market, as many people view them as being poor value. Using other equity release schemes you benefit from any capital growth in the property as you retain ownership, whereas after getting sold a percentage of your home to a reversion company, any increase in the value of that portion belongs to them alone. Much like all financial products there is rarely a perfect solution, and so taking time to review all the information available to you is likely to be time well wasted.
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Maybe pensioners should print this off, send it to a Rishi SUNAK and demand payment.
PLEASE PASS THIS AROUND, UNTIL EVERY ONE HAS HAD THE OPPORTUNITY TO READ IT... THIS IS SURELY SOMETHING WE ALL NEED TO THINK ABOUT!!!! THE ONLY THING WRONG WITH THE GOVERNMENT'S CALCULATION OF AVAILABLE PENSION IS THAT THEY FORGOT TO FIGURE IN ALL THE PEOPLE WHO DIED BEFORE THEY EVER COLLECTED OLD AGE PENSION. WHERE DID ALL THAT MONEY GO? Remember, not only did you and I contribute to our Pension, our employer did, too. It totalled 15% of your income before taxes. If you averaged only £15 000 over your working life, that's close to £220,500. Read that again. Did you see anywhere that the Government paid in one single penny? We are talking about the money you and your employer put in a Government bank to ensure that you and I would have a retirement pension from the money we put in, it was not money that the Government had any right to spend elsewhere. Now they've started to call the money we paid in a BENEFIT when we reach the age to take it back. If you calculate the future invested value of £2500 per year (yours & your employer's contribution) at a simple 5% interest (that's less than what the govt. pays on the money that it borrows from overseas), after 49 years of working you'd have £892,919.98. If you took out only 3% per year, you'd receive £26,787.60 per year and it would last better than 30 years (that means until you're 95 if you retire at age 65) and that's with no interest paid on that final amount on deposit! If you bought an annuity with the money and it paid 4% per year, you'd have a lifetime income of £1976.40 per month. THE CROOKS IN GOVERNMENT HAVE PULLED OFF A BIGGER ROBBERY THAN THE GREAT TRAIN ROBBERS EVER DID. Benifits My foot !! IT'S MY MONEY!! I paid IN cash for my pension. Just because they borrowed the money to spend on other things, that doesn't make my pension some kind of charity or handout!! Remember MP's benefits? --- free healthcare, outrageous retirement packages, 67 days paid holidays, three weeks paid holidays, unlimited paid sick days. Now that really should be called entitlements yet they have the nerve to call my O A P retirement payments “Benefit” We're "broke" and the government can't help our own OAPs, our ex-service personnel, our orphans or our homeless! Yet in the past few years we have provided aid to Haiti, Chile, Turkey, India, Pakistan, etc., etc., etc. Literally, BILLIONS of Pounds !!! But they can't help our own citizens! Our retired seniors living on a 'fixed old age pension have to beg social services to receive additional aid, while our government and religious organizations pour hundreds of billions of £££ tons of food to foreign countries! They call the old age pension a benefit even though most of us have been paying for it all our working lives, and now, when it's time for us to collect, the government is running out of money. Why did the government borrow from it in the first place? It was supposed to be in a securely locked box, not to be used as part of the Government's general funds. Sad, isn't it, that some people won't have the guts to forward this. I'm in the category with guts enough to do it - - - and I just did. I hope some of you will do the same.
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Neal Adams Also Changed The Course of Superman History
https://ift.tt/3a9QmRN
There’s no immediately obvious answer when you ask someone what the first Neal Adams work is that jumps to mind. Is it “The Joker’s Five Way Revenge?” Green Lantern/Green Arrow: Hard Traveling Heroes? The batshit, hairy-chested insanity of Batman: Odyssey? Late Silver Age X-Men? We could spend a thousand words listing the comics he drew for 50 years and still only barely scrape the surface of the man’s contributions to comic art.
And none of that comes close to his impact behind the scenes. Adams, who died last week at the age of 80, was a titan on the page, but he was also one of the first big name creators to pick a fight with Marvel and Warner Brothers and win. And when he beat Warner, it was one of the biggest fights ever. And the prize was no less than Superman.
Jerry Siegel and Joe Shuster were two regular guys from modest Cleveland backgrounds who met in high school and went on to create the most important superhero in comics history: Superman. And when they did in the 1930s, even with radio shows and movie serials being a going concern, nobody had the slightest inkling what Superman or superheroes would become. So when they sold the rights to DC Comics, the company publishing his stories at the time, for $130 (about $2500 in today’s dollars), it was a reasonable business deal.
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And then the next 40 years happened. Siegel and Shuster earned money writing Superman comics, but DC allegedly used an old Superboy pitch as the basis for a published story and got sketchy about royalties from the radio show, so the pair sued DC for their copyright back and lost.
The duo never again had the same success they did in Metropolis, despite chasing it for as long as they could make comics. They sued again in the late ‘60s and Siegel was effectively blacklisted because of it, losing all DC work ahead of the lawsuit and never regaining it (Shuster was more or less blind at this point, and completely out of the comics game). The two suffered from financial problems for most of the later period of their lives.
Adams was an established, capital letters Big Deal by the mid 1970s, having already revolutionized Green Lantern and brought Batman into the future. Ahead of production on the first Superman movie, Adams got a letter from Siegel outlining their plight, and he was outraged. Together with Joker creator Jerry Robinson, they brought Siegel and Shuster to New York, put them up in a hotel, and brought the Superman creators around for a bit of a press tour designed to shame Warner into supporting the nearly destitute Superman creators.
It worked. Warner agreed to pay Siegel and Shuster a $20,000 a year pension. Adams and Robinson successfully shamed Warner Brothers into paying Superman’s creators something. It wasn’t commensurate with the company’s profits from Superman, but it was a win in an industry where those don’t come often for creators, especially at the time.
Case in point: original artwork. Standard practice in the comics industry now is to return original artwork to the artists, with pages being split between pencilers and inkers, giving those artists some extra money on the secondary collector’s market (if there’s originals to return and the artist isn’t working all digital, but that’s a creator’s rights article for another time). But it wasn’t always that way. The practice of returning original art to the people who made it wasn’t industry standard until the mid-1970s. This meant DECADES of original art was filed away in DC and Marvel offices (or on a stool near an elevator in Marvel offices, or destroyed entirely in many cases) and had to be returned to creators. DC was apparently pretty diligent about it, but Marvel took their time, and following a change in copyright law in the late ‘70s, they started including a release form that granted Marvel the rights to their creations.
But the form they offered to Jack Kirby was flat out ridiculous. It assigned all the rights to everything Kirby created at Marvel to the company, but it also forbade him from selling or even displaying any of his original art. Marvel apparently wanted to still own his original pages, but was graciously willing to let him store it in his Long Island home until they wanted to use it for something.
Adams, already not a fan of the release forms, was incensed by Marvel’s treatment of Kirby. He joined with a chorus of big name comics creators like Frank Miller and Gary Trudeau to again try and shame a big comic company into treating an artist with some shred of dignity. It wasn’t as effective as the campaign for Siegel and Shuster had been, but it did still end with success: after years of scrambling denials and failed attempts at face saving, Marvel gave Kirby an amended release to sign that gave Jack much of what he was looking for, and returned 1900 pages of original art. It only worked out to about a quarter of his total Marvel output, but it was still a significant sum at the time.
Adams was enormously important to the look of the comics we read today. But he is even more important to the creators making them, and he should be honored forever for his work to make the industry better for his peers.
The post Neal Adams Also Changed The Course of Superman History appeared first on Den of Geek.
from Comics – Den of Geek https://ift.tt/uig7reP
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On Disappointment
I guess it was brewing in the air for a few months - my burning a thou or so on a console and a few accessories served as a catalyst of sorts; the spark that finally got the fire going.
Continued below the cut.
I'd been on an off-again, on-again relationship with jobhunting sites and recruiters alike, and I guess I missed a few alarm signals my parents sent me: their own growing awareness of their own mortality, and their need to see me cover more of our joint households' needs. They're aging, their pensions are shrinking, and Dad is starting to feel financially pinched by the duplex's needs. They see my still working off of twenty bucks an hour as sitting on my laurels - and I'm not getting any younger. I'm 38 and still occupying the sort of post you'd find guys a decade younger than me in.
As ever, it started innocently; with Dad not-so-subtly asking me about the PS5's concrete perks. The questions were obvious enough: what can't your editing PC do that the PS5 can? Why are console exclusives a thing? Can't you effectively stop leveraging more powerful hardware?
The subtext was obvious: "Why'd you buy a 800$ piece of tech, son? I know you put 2K$ in your fund not two weeks ago, but it could've been 2500, if not 3000$. My priorities are not yours, and that baffles me."
So I pulled out my phone and put my banking and investment apps in tandem, over minced chicken in cream sauce and sliced raisins we'd cooked together. I showed him just what it was I'd done.
"Your mother and I both understand that you're trying, son, but you have to understand - this all feels terribly childish - and selfish - from an external perspective."
I put two and two together. They'd talked about my purchases with Dad's brothers and sisters. I felt my stomach go cold.
I work. I contribute to a retirement fund and a disability savings fund. I pay my bills and my taxes. I vote. Granted, I'm not the most accomplished of cooks and I've never been a great handyman, but that's what contractors and electricians are for.
"So, if I understand you guys correctly," I said; "there's a metric for Adulthood. You've got this idea, this set of expectations - and I'm falling short."
Mom tries to save face. "We just want you to think about other people, for a change-"
I seethe. "I help at a food bank. I review resumés for bucks apiece on Fiverr - not for the cash, but for the feeling of doing something worthwhile with my skills. I train people at work and listen to new hires anguish over the work and help old ones adapt. I have a rent and I pay it. I cook my own food, clean my own spaces - and you're giving me grief because I felt like playing a few exclusives?!"
Dad turns clumsy. "You're just not living up to our expectations, that's all!"
I drop my fork. "Then you won't mind if I don't take over dinner duties for next Sunday and if I don't stay one second longer - I'm clearly unsatisfactory. You'll have to excuse me if I don't pick up the phone for the rest of the night."
I got up, slipped back into my shoes, ignored their protests, picked up my things and crossed our small common porch to my side of the duplex - which I normally never lock except if I'm leaving.
I've locked it, for once. Mom braved her degrading left hip and tried to tough it out in front of my door, knocking on it or ringing my doorbell on occasion. She moved back inside and tried to text me. Predictably, she failed. Dad tried to ping me on Messenger, twenty minutes ago. I ignored him.
Mom left a voicemail. "You're our son and we love you; but we really need you to start analyzing yourself, to figure out if you do enough for yourself."
It's the time of year. It's in Mom's chronic pain, in the dwindling daylight hours. They've got doubts, and need answers I can't give them. They know full well I can't be an Adjunct Minister at any point in the government structure, like Uncle Fred; or a world-reknowned ecologist like Aunt Sophie. I left the Postgrad circuit because it was killing me. They're still projecting the Me as a Professor or Me as a Celebrated and Published Author, even if there's only one of those I can see myself working towards - and not both. I'll turn 39 in June and I'm still at the one place that pulled me out of a five-year depressive slump. I'm not where their idea of fortysomethings ought to be.
That's the crux of it - and it's insulting.
We share a wall, as is the case with duplexes. Mom's raised her voice; she's accusing Dad of lacking timing. She's trying to keep herself from shouting, knowing I can hear her. I can't make out Dad's rebuttal, but I don't need to. The older he's gotten, the more rigid he's become. By the time he was 39, he was working on a committee for disabled children. He had me, a mortgage, a house, a wife. He had a yard, an above-ground pool, an alley where we used to play pétanque.
I'm 38 and I've got hand-me-downs for furniture, a rent to cover. No wife, no outstanding boyfriend. No children. I've got friends, but no outward need to sacrifice for anyone other than myself. I'm guilty, like a lot of people in my generation, of having expensive tastes. I know what I want in a PC, and I still want at least one updated console per generation. I don't see myself raising a kid - I'd be afraid of injuring them, or myself. In the absence of a loved one, all I can do is try to improve my lot at my own pace, or occasionally afford myself a few indulgences.
They don't see anything concrete in what I've mentioned; anything they could recognize. So they panic.
"It's like you don't worry about what some other people might think!" Dad told me a few weeks back, when he first came close to really opening that can of worms.
So, to Mom and Dad, if you ever read this: what I owe you can be summed up as follows:
I owe you my life. I owe you safety, support and understanding - at least, in my younger years. I owe you my education, my first few opportunities, those first few gates I needed help with, before crossing thresholds of my own. I owe you love which I sense even in your most uncharitable of moments - as clumsy shit like this is nothing if not love coming out in all the wrong ways. I try and pay it back as best I can, however I can - not to be square, because I'm not a fucking sociopath - but because you raised me to be a good person.
I do not, however, owe you anything else. Never will I ever. I do not owe you a life that lives up to your expectations, as these are nothing except failings YOU should learn to address. You're the ones who never learned to let go. You're the ones in need of self-reflection.
I love you, I always have and I always will - but seriously? Back the fuck off. Now.
If only they knew.
I'm as disappointed by them as they are by me.
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Franklin D. Roosevelt won the election of 1932 by a landslide. This map shows the gap that existed between him and republican Herbert C. Hoover. Roosevelt won an astounding 472 electoral votes and 22,809,638 popular votes, compared to Hoover’s 59 electoral and 15,758,901 popular votes. Despite his overwhelming popularity, many people did not agree with Roosevelt's actions in regards to combating the Great Depression. While some believed he went too far, and his policies too closely resembled socialism, others felt that he didn’t go far enough.
Two men who wanted to see greater social reforms were a doctor from California named Francis Townsend, and a lawyer and governor of Louisiana named Huey Long. Townsend called for an “old age revolving pension”. That is, Americans over the age of 60 should retire to free up jobs for the unemployed, in exchange for a check of $200 per month. Long demanded a 100% tax on fortunes over a million dollars to provide pensions for the elderly and to guarantee an annual income of no less than $2500 for every American.
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Scumbag Aunt ripped off my Grandma for years, I put my nose in her business and had the IRS financially ruin her.
This is going to be long, so TL; DR; Aunt screwed over my Grandma for years, I put my nose in her business, got parents wise on the fraud and eventually reported her to the IRS. The long dick of the IRS bankrupted her and her husband and now they are destitute and too old to work.
This happened about 5 years ago. My Grandma was getting old, late 80s/early 90s. She had one wish, to not die in a senior home. Easily done as my Grandpa sold some assets way back when, then invested the money and let it ride for 30+ years; he never touched it and collected a pension.
Way back when my Grandpa died, (about 10 years before this), my Grandma appointed my dad, this shitty aunt and my uncle as the Trustees of the trust. Basically the trusted advisors for her and her care for the foreseeable future. All was well in the beginning, then my dad (Willy) moved further away and couldn't take care of the day to day upkeep as the Trustee and to see that my grandma was ok. My aunt (Rebecca) told her that she and my uncle (Fred, who lived in Arizona) could take over and all would be fine. It was fine for a while.
A few times my dad went back to visit and noticed my Grandma didn’t always have overnight care or that her mail wasn’t picked up and the driveway wasn’t plowed. She also lost her cable TV and newspaper subscription. My dad figured it just lapsed so he had the services put back on. My dad also noticed my grandma was eating moldy food at times because her truck was sold and she had no transportation (she drove up to 90 years old). She basically just chilled at the house alone and did crossword puzzles. The craziest part of this is that my aunt only lived 2 miles from my Grandma, but my Grandma told my dad she saw aunt Rebecca once a week on Saturday for about 1 hour.
As with the elderly and age, my grandma passed away. She did get her wish and was able to die in her own home. Upon her death things started to get real interesting. Once the probate lawyer got her children (my dad, aunt, uncle and another estranged aunt (Becky)) around the table some shady business started to come out. My aunt Rebecca asked that everyone just forgo any audit or paperwork and they just sell the house (for around $400K), and divide up the remaining back account balance of roughly $400K. So just signing on the line, each sibling was to get a check for $200K, not too bad of an inheritance. My dad thought that was somewhat a little rushed. He said at the time that he wanted to wait because my Grandma’s house was easily in the $600K range based on size and location. My aunt exploded in his face, cursing at him and calling him all kinds of names because he was unwilling to sign the assets then and there. She basically wanted a quick close while everyone looked the other way.
My dad ended up leaving the room after the screaming and the deal wasn’t signed that day. It took nearly 6 months before another appointment and they were all back at the table. The thing is though, when you are a trustee and the person dies, the funds and access to financial accounts are all under heavy scrutiny until all beneficiaries are made aware and sign the final papers. At the next meeting, my dad went in there with no intention to sign the deal. He got his brother (my uncle Fred) to agree that they audit the entire account(s) going back 5-years. When they demanded this again at the meeting with the lawyer, my Aunt ended up arguing that a forensic audit would cost $5K and it’s a waste, like what difference does it make? Two beneficiaries requested it, so it was what was going to happen. The audit report showed up about 3 months later.
Here is where it gets good.
My dad began looking over the audit report saw it was full of holes, like excessive monthly food costs for a 90 year old lady. Payments made for car services for a car my grandma no longer had. Many different things in there they just didn’t add up. My dad asked me to give the audit a second look, so I spent a Saturday night going over it, and here is some crazy stuff I found (and alerted my dad about):
Costco monthly food costs of $1100-$2000 for the last 4 years.
Telephone bills for 6 cell phones (grandma has a home phone only)
Gasoline for a truck my grandma didn’t have for like 4 years, and easily $400/month
House repairs paid to my aunt’s husband who owned a construction business, some of the house repairs were like $16K for a new roof, new garage doors, home security system which she didn’t have, etc, all inflated prices.
Grandma paid for my Aunt to go to Europe twice on vacation.
My grandma was paying my estranged aunt Becky a stipend of $2K a month for the last 5 years, as well as her deadbeat son for $2500. Every month they were paid.
All grandkids were to be paid a lump sum of $10K upon their 30th birthday as that is when the $50 check from Grandma stopped for all grandkids. Guess who was paid out, her kids and my estranged aunts kids, but not me or my siblings.
My grandma gave loans to my aunt Rebecca for her husbands construction business in return for equity in the company, which amounted to nothing. These loans totaled about $200K over 3 years, right around when the housing bust happened.
They also sold her assets like jewelry and what not for cash, because some big ticket items simply vanished from her house Armed with all this, the next probate meeting was interesting. In the time between my Grandma’s death and the 3rd probate meeting, my aunt’s construction business filed for bankruptcy so that $200K in equity grandma had, simply vanished. The probate lawyer was also somewhat concerned and makes it obvious that this was fraud and breach of fiduciary duty, where my aunt could actually get real prison time. After this, the negotiations were much more favorable. My aunt got nothing, literally zero, my other aunt only received $25K after all the stipend payments. My father and uncle shared the rest, after all grandkids received the $10K payout. The house sold to the first offer for $520K.
That was the regular revenge for any treacherous bitch that ripped off grandma and had her eating moldy food. Here is the pro.
My aunt probably felt pretty bad that she couldn’t supplement her lifestyle with Grandmas money anymore, but that was the least of her worries. Since she tried to personally rip me off for $10K, I took it personally. I don’t care how tough you are, the IRS is the scariest thing that can happen to a person, nobody wants to have their money forcibly removed. I did a little research and found the 3949-A I also had the audit and legal office could/would provide the full trust in requested (demanded by the IRS), I don’t know if it ever was. So I photo copied my documents, had then notarized and send off the info to the IRS. I felt like it went nowhere, then maybe 18 months later I was notified and asked to come to the IRS building for an appointment in my city.
The agent went over all the details, what they found in their research and then they asked for a sworn statement. It turns out my aunt didn’t declare something like $1.2M in additional income over 5 years, and as such she owed the IRS around $420K plus penalties. There was no way she was going to pay that on a teachers’ pension and after her husband’s bankrupt his business. Her house was sold, her vehicles sold, and they left the state. Now aunt and uncle live in a depressing desert town in the southwest.
The IRS paid me around $60K about 3 months after the appointment. She should have paid that $10K.
(source) (story by deleted)
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As the cost of living crisis deepens, you may be assessing your regular monthly outgoings and looking for things you can cut back on. If you are lucky enough to be a homeowner, your biggest monthly expense is likely to be your mortgage.
But will your lender allow you to reduce your payments if you explain that you are struggling? And how will that affect your credit record? Similarly, if you have life insurance or a pension, can you take a break from your payments, and what will the consequences be?
Taking a break from your mortgage
According to UK Finance, the trade association for banks, mortgage lenders should offer “forbearance” to any customer who is in financial difficulty or unable to make their mortgage payments.
This could take the form of an authorised payment holiday, where your lender gives you permission not to pay your mortgage for a short period, usually up to three months. Alternatively, with your lender’s permission, you may be allowed to reduce your monthly repayments.
It can be tempting to cut pension contributions when money gets tight but you are losing more than just your own contribution
These arrangements come at a cost. Any payment holiday will be noted on your credit record, which could have implications the next time you want to borrow money – you may, for example, be charged a higher interest rate. You will also be expected to pay back everything you have missed paying once you are no longer in financial difficulty. Your mortgage is likely to cost you significantly more in the long run.
Cancelling life insurance premiums
LV= allows this – but you can only benefit if your policy (for income protection, critical illness or life insurance) has been in force for a year or more, you have a good history of paying and are less than three months behind with monthly premiums. You must declare that you have suffered a significant drop in your income or that your usual earnings have stopped. The payment break will only be offered for a month at a time, for up to three months.
If you do find yourself in a position where you have to cut or stop your contributions, try to resume them as soon as you can.
For example, it says a 33-year-old with £250,000 of life cover, paying £21.86 a month, could reduce their payments to £4.17 a month for six months. However, the maximum that could be claimed during this six-month period would be only £10,000.
Cutting your pension contributions
You may also be considering reducing or stopping your pension contributions for a while. This may ease your financial pressures a little in the short-term but it will reduce your income in retirement.
Cutting £693 a year from your pension will mean £1,284 less goes into your fund. If that money manages to grow by 5% a year until you retire, the long-term cost is even greater. Hargreaves Lansdown, an investment platform, estimates that a 40-year-old basic-rate taxpayer who cuts back on their pension payments in this way – reducing their contributions by only £57.75 a month for only one year – would end up £4,569 worse off, before fees, by the age of 67.
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Transcript of President John F. Kennedy’s address at Medical Care for the Aged rally, New York, 20 May 1962
Thank you.
Ladies and gentlemen.. My old colleague in the House of Representatives and friend, Aime Forand, this community, ladies and gentlemen, and fellow Americans, I am very proud to be here today at one of over 33 meetings which are being held across the United States, and it is a source of regret to me that the head of the most significant organization here today, Mr. Hale, aged 77, working on this meeting, had a heart attack and was taken to the hospital. I think we should pass this legislation as soon as possible!
I come to New York because I believe the epic in which we're engaged is worth the time and effort of all of us. I come from Boston, Massachusetts, near Faneuil Hall, where for a whole period of years, meetings were held by interested citizens in order to lay the groundwork for American independence. And while there may be some who say that the business of government is so important that it should be confined to those who govern, in this free society of ours the consent--and may I say the support--of the citizens of this country is essential if this or any other piece of progressive legislation is going to be passed--make no mistake about it. Make no mistake about it!
Now why are we here? What is the issue which divides and arouses so much concern? I will take a case which may be typical, a family which may be found in any part of the United States. The husband has worked hard for his life, and he is retired. He might've been a clerk, or a salesman, or on the road, or worked in a factory, stores, whatever. He's always wanted to pay his own way, and he does not ask anyone to care for him. He wants to care for himself. He has raised his own family. He has educated them. His children are now on their own. He and his wife are drawing Social Security. It may run $75, $100, $125 in the higher brackets. Let's say it's a hundred. And he has a pension, from where he worked--the results of years of effort. Now, therefore, his basic needs are taken care of: he owns his house, he has $2500 or $3000 in the bank. And then his wife gets sick--and we're all going to be in the hospital at some point, nine out of ten of us, before we finally... pass away. And particularly when we're over 65. Now she is sick--not just for a week, but for a long time. First goes the $2500--that's gone. Next he mortgages his house, even though he may have some difficulty making the payments out of his Social Security. Then he goes to his children, who themselves are heavily burdened because they're paying for their house, and they're paying for their sicknesses, and they want to educate their children, and their savings begin to go.
This is not a rare case--I talked to a member of the Congress, from my own state a week ago, who told me he was going to send his daughter away to school, but because his father had been sick for two years, he could not do it--and Congressmen are paid $22,500 a year--and that's more than most people get.
So, therefore now, what is he going to do? His savings are gone, his children's savings, they're contributing though they have responsibilities of their own--and he finally goes in and signs a petition saying he's broke and needs assistance. Now, what do we say? We say that during his working years, he will contribute to Social Security as he has to his retirement--$12 or $13 a month. When he becomes ill, or she becomes ill, over a long period of time, he first pays $90, so that people will not abuse it. But then let's say he has a bill of $1500. This bill that we're talking about, Mr. Anderson's bill and Mr. King's bill, does not solve everything--but let's say it's $1500, of which a thousand dollars are hospital bills. This bill will pay that thousand dollars in hospital bills. And then, I believe, that he and his family can meet his other responsibilities.
Now, that does not seem such an extraordinary piece of legislation, 25 years after Franklin Roosevelt passed the Social Security Act!
Well, let's hear what some people say. First, we read that the AMA is against it. And they're entitled to be against it. Though I do question how many of those who speak so violently about it have read it. But they are against it, and they're entitled to be against it if they wish. In the first place, there isn't one person here who isn't indebted to the doctors of this country. Children are not born in an eight-hour day. All of us have been the beneficiaries of their help. This is not a campaign against doctors, because doctors have joined with us--this is a campaign to help people meet their responsibilities.
There are doctors in New Jersey who say they will not treat any patient who receives it--of course they will! They are engaged in an effort to stop the bill. It is if--as if I took out somebody's appendix. Look, the point of the matter is, that the AMA is doing very well in its efforts to stop this bill. And the doctors of New Jersey and every other state may be opposed to it, but I know that not a single doctor, if this bill is passed, is going to refuse to treat any patient. No one would become a doctor--just as a business enterprise, it's a long, laborious discipline--we need more of them, we want their help, and gradually, we're getting it. The problem, however, is more complicated, because they do not comprehend what we're trying to do. We do not cover doctor's bills here. We do not affect the freedom of choice--you can go to any doctor you want, you work out your arrangements with him--what we're talking about here is hospital bills--and that's an entirely different matter. And I hope that, one by one, the doctors of the United States will take the extraordinary step of not merely reading the journals and the publications of the AMA--because I do not recognize the bill when I hear those descriptions--but, instead,... instead to write to Secretary Renikoff in Washington, or to me--and you know where I live--or to Senator Anderson, or to Congressman King if you are a doctor or opposed to this bill and get a concise explanation and the bill, and read it. All these arguments were made against Social Security at the time of Franklin Roosevelt--they're made today--the mail pours in. And at least half the mail which I receive in the White House on this issue and others is wholly misinformed. Last week, I got 1500 letters on a revenue measure; 1494 opposed, and six for. And at least half of those letters were completely misinformed about the details of what they wrote. And why is that so? Because there are so many busy men in Washington who write--some organizations have six, seven, and eight hundred people, spreading mail across the country, asking doctors and others to write in and tell your Congressmen you're opposed to it. The mail pours in to the White House, in to the Congress and Senators' offices. Congressmen and Senators feel people are opposed to it. Then they read a Gallup poll which says 75% of the people are in favor of it--and they say, 'What has happened to my mail?' The point of the matter is, that this meeting and the others indicate that the people of the United States recognize, one by one, thousand by thousand, million by million, that this is a problem... which is... solution is long overdue. And this year, I believe--or certainly as inevitably as the tide comes in, next year--this bill is going to pass.
And then other people say, 'Why doesn't the government mind its own business?' What is the government's business is the question. After Harry Truman said that 14 million Americans has enough resources so that they could hire people in Washington to protect their interests--and the rest of them depended upon the President of the United States and others.
This bill serves the public interest. It involves the government because it involves the public welfare. The Constitution of the United States did not make the President or the Congress powerless. It gave them definite responsibilities--to advance the general welfare. And that is what we're attempting to do. And then I read that this bill will sap the individual self-reliance of Americans. I can't imagine anything worse--or anything better to sap someone's self-reliance than to be sick, alone, broke, or to have saved for a lifetime and put it out in a week, two weeks, a month, two months... I've visited twice today--yesterday, and once today, a hospital, with doctors [unintelligible] for a long time--to visit my father. It isn't easy. It isn't easy. He can pay his bills! But, otherwise, I would be--and I'm not as well off as he is. But, uh... what happens to him and to others when they put their life savings in in a short time? So I must say that I believe we stand about in good company today, in halls such as this, where your predecessors, where Dave Devinsky himself actually stood, where another former President stood and fought this issue out of Social Security against the same charges.
This argument that the government should stay out, that is saps our pioneer stock--I used to hear that argument when we were talking about raising the minimum wage to a dollar and a quarter. I remember one day being asked to step out into the hall, and up the corridor came four distinguished looking men with straw hats on and canes. They told me they had just flown in from a state in their private plane, and they wanted me to know that if we passed a bill for time and a half for service station attendants--who were then working about 55 or 60 hours of straight time--it would sap their self-reliance. The fact of the matter is, what saps anyone's self-reliance is working 60 hours of straight time, or working at 85 or 95 or a dollar an hour!
All depending upon filling out a pauper's oath and going, uh, and then getting it free. Nobody in this hall is asking for it for nothing. They are willing to contribute during their productive years. That is the important principle which has been lost sight of! I understand that there's going to be a program against this bill in which an English physician is going to come and talk about how bad their plans are. May be! But he oughta talk about it in England! Because his plan--his plan and what they do in England is entirely different. In England the entire cost of medicine for people of all ages, all of it--doctors, choice of doctors, hospitals, from the time you're born till the time you die--are included in a government program. But what we're talking about is entirely different. And I hope that while he's here, he and Dr. Spock and others who have joined us will come to see what we're trying to do. The fact of the matter is, what we are now talking about doing, most of the countries of Europe did years ago--the British did it 30 years ago. We are behind every country nearly in Europe in this matter of medical care for our citizens. And then those who say that this should be left to private effort. In those hospitals in New Jersey where the doctors said they wouldn't treat anyone who paid their hospital bills through Social Security--those hospitals and every other new hospital, the American people, all of us, contribute one half, or two thirds for every new hospital, the national government. We pay 55% of all new research done. We help young men become doctors. We are concerned with the progress of this country, and those who say that what we are now talking about spoils our great pioneer heritage should remember that the West was settled with two great actions by the national government: one, in President Lincoln's administration, when he gave a homestead to everyone who went West, and in 1862 he set aside government property to build our land grant colleges. This cooperation--between and alert and progressive citizenry and a progressive government, is what has made this country great--and we shall continue as long as we have the opportunity to do so.
This matter should not be left to a mail campaign where Senators are inundated, or Congressmen, 25 and 30,000 letters; the instructions go out, 'Write it in your own hand, don't use the same words,' the letters pour in in two or three weeks, half of them misinformed... This meeting today, on a hot, good day, when everyone could be doing something else, and the 32 other meetings--this indicates that the American people are determined to put to an end to meeting a challenge with [unintelligible] when they're least able to meet it.
And then, finally, I had a letter last week that said you're going to take care of all the millionaires and they don't need it. I do not know how many millionaires we are talking about, but they won't mind contributing $12 a month to Social Security, and they may be among those who will apply for it when they go to the hospital, but what I will say is that the national government, through the tax laws, already takes care of them, because over 65 they can deduct all their medical expenses. What are are concerned about is the person not who has not got a cent, but those who have saved and worked and then get hit. And then there are those who say, well, what if you die before you're 65? Well, then you really don't care--we have no guarantees. But what we are talking about is, our people are living a long time, their housing in inadequate, in many cases their rehabilitation is inadequate. We've got great unfinished business in this country. And while this bill does not solve our problems in this area, I do not believe it is a valid argument to say, 'This bill isn't going to do the job.' It will not--but--it will do part of it. Our housing bill last year for the elderly--that won't do the job, but it will begin. When we retain workers, that won't take care of unemployment chronically in some areas--but it's a start. We aren't able overnight to solve all the problems this country faces--but is that any reason to say, let's not even try? That's what we're going to do today--we are trying. We are trying.
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Adam Casper 1827-1880 Adam Casper (great grandfather of my maternal grandmother, Mary Elizabeth Anderson) was born in February of 1827 in North Carolina to Peter Casper and Catherine Frick. Adam was the second of Peter and Catherine's children and the first boy. Following the birth of Adam, the family quickly grew having five boys by 1837, before having twins in 1839 followed by three more children (with the last one born in 1844). As of 1850 the family is recorded in Rowan, North Carolina; however according to a post on ancestry.com by rickernest in 2011, Adam purchased 80 acres of land (described as the N1/2 NW1/4 SEC13 TWP 13S R1W. This land was along and generally west of Route 51, some 2 miles north of Dongola) on September 1 of 1853. He purchased it from Wiley Dillow (Susannah's brother?) This same post goes on to advise that sometime before his death Adam added 40 more acres, the NW1/4 NE1/4 SEC13 TWP 13S R1W, and had a 3/5 interest in 80 acres, N1/2 NE1/2 SEC14. In 1855 Adam's father Peter passed away in Wetaug, Pulaski County at the age of 58. In 1856 Adam married Susannah Dillow in Union County, Illinois and they began their family. In 1860, Adam and Susannah lived in Union County with the first two of their children (Jane C (1857–1883) and Minerva Lutetia (1860–1908)). Their real estate was valued at $1600 and their personal estate at $200. Adam and Suzannah's third child, Amanda E (1861–1894) was born in September of 1861. On Aug. 14, 1862, Adam enlisted at Camp Anna for service into the U.S. Civil War. He enrolled into Co. I, 109th IL. Infantry, and was transferred in Nov of 1863 to 140th Co., First Battalion, Invalid Corps, and finally to the 64th Regt. of the Veterans Reserves, upon discharge at Rock Island, IL. Adam had considerable health problems while in the service. He was ill at Milliken's Bend, LA. on Apr 23 1863. His transfers came about chiefly because of what doctors called "feebleness of constitution." Adam was home on furlough from Feb to May of 1864, because of poor health. Again, he was sick at Cairo on Feb 28, 1865. Still, after the war, Adam never applied for a pension. (this paragraph from a post by Michael Olund on wikitree.com) Following his service in the Civil War, Adam was made guardian of Thomas J. Dillow, Calvin Jenkins Dillow, Warren A. Dillow and Cicero Augustus Dillow, sons of Susannah's brother, John Dillow Jr. who died on Mar 13 1865 as a result of service in the Civil War. Adam himself had lost two brothers in the Siege of Vicksburg. ((*Possibly two more who died in August of that same year - Article in the Union newspaper)) In 1870, the Caspers remained in Union County. Adam farmed and Susannah kept house. Their property value is listed in the census as $2500 and their personal estate as $5000. In addition to their own children living in the household in 1870, Thomm Dillow, age 14 resided there. Daniel Holley, a 30 year old farmer born in Alabama also lived with the family. By 1880 the Caspers live with only their children in Union County. Daniel Holley no longer lives with the Caspers, nor does Thomm Dillow whom I assume to have been a nephew of Susannah. He would now be 24 and moved on to start a life of his own. The Caspers were recorded in the 1880 census in June of 1880 and in November of 1880, Adam would pass away of pneumonia at his residence near Dongola at the age of 53. from the Jonesboro Gazette 13 Nov 1880: Adam Casper, born in North Carolina, aged about 54 years, died of pneumonia at residence three miles north of Dongola 6 Nov 1880. Adam Casper - FindaGrave.com June 26, 2020 at 06:43AM
http://nucleusofmynoggin.blogspot.com/2020/06/genealogy-adam-casper-1827-1880-my-3rd.html
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The Reasons Why French People Live Longer
The Reasons Why French People Live Longer
In 1965, French host Andre Raffray gambled and lost statistics. He bought a 90-year-old woman’s apartment in Jeanne Calment’s apartment and agreed to pay her a lifetime pension of 2500 francs per month. It seems reasonable to think that Calment will die before him. After all, he is only 47 years old.
As the decades flew past, Raffray went into a tragic decline. On Christmas , 1995, aged 77, he…
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Mrs. Betty Smith is now 70 years old. She retired in 2012 at the age of 67. She applied for age pension on 15 August 2012. Mrs. Smith lives around the corner from her local Centrelink branch and walked into this local branch to fill in the appropriate application form for age pension.
Mrs. Betty Smith is now 70 years old. She retired in 2012 at the age of 67. She applied for age pension on 15 August 2012. Mrs. Smith lives around the corner from her local Centrelink branch and walked into this local branch to fill in the appropriate application form for age pension.
Mrs. Betty Smith is now 70 years old. She retired in 2012 at the age of 67. She applied for age pension on 15 August 2012. Mrs. Smith lives around the corner from her local Centrelink branch and walked into this local branch to fill in the appropriate application form for age pension.
Administrative Appeals Tribunal (AAT) Written Submission
Order Description
Administrative Law Assignment (2500-w…
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rhode island insurance broker license
"rhode island insurance broker license
rhode island insurance broker license
BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr
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hey i am a 17 male. i was just wondering would insurance for a jeep be cheaper then insurance on a car since you would be less likely to rally around a jeep, and other dangerous driving etc.. i am also wondering if a 2L jeep would be dear to insure for a 17 male, since it is a jeep. thanks :)""
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My husband gets a government pension. His health insurance premiums are deducted from the annuity payments each month. (I don't know yet if the premiums are paid with pre-tax or post-tax dollars, looking into it.) Are those premiums deductible in the medical expenses area of our federal income taxes?""
""Im getting quotes for well over 4,000 for car insurance is this right?""
Im getting quotes for well over 4,000 for car insurance is this right? My grandson is 17 and has passed his Advanced driving test. He has a VW Polo. Would he be able to be put on my insurance as I have 5 years no claims. Would this lower his by much? He has also been driving cars/tractors around a farm since he was about 13 would this make a difference? Thanks""
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rhode island insurance broker license
rhode island insurance broker license
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rhode island insurance broker license
rhode island insurance broker license
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If this credit becomes reality, doesn't it seem logical that a major healthcare provider would put together an affordable health insurance package for the credit amount and market the ...show more""
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Wht car insurance is better for full coverage and cheaper..... ?
car insurance help....
My car was taken to the compound on friday in the uk when the driver was found to have no insurance.....?
However i have got insurance and so when i go to the station to have the form stamped so i can go to the compound and collect my car back, The police tell me i have to produce my licence as well...problem is i cant find it.. so i go to dvla internet site and order form to get a new licence....But this can take 3 weeks to come back and unfortunately the car gets crushed in 2 weeks, But the law says i can continue driving even tho i havent got my licence card ...because i do have a licence but its been lost and im waiting on my new one coming.A Please dont answer if you are only speculating on what you think you know i havent got time to read brain dead answers from all you dick eds on here. Nor do i want your personal opinion on the situation as it is a Question.. put on a Question Board wanting an answer...Not a message board asking for your opinion so use the board as it should be used and stick to the rules...answer the question ...if you cant ...then dont waste my time and yours""
Can I have car insurance from California in Maryland?
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How much would the insurance on this car be?
It's a 2007 Toyota solara silver with 63000 miles on it...how would full converge be per month? Just an estimate.
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I have two vehicles I want full coverage insurance where can i get cheapest insurance?
Affordable maternity insurance?
Affordable maternity insurance?
Insuring A Range Rover For An 18 Year Old?
Ive been driving for a year now, and i have 1 year no claims bonus. (aged 18 and male). I am going to university for three years, and for the first of those three years, im NOT on the insurance. How much do you think a Rangerover sport (second hand costing about 9,000) would be costing me in UK insurance third-party? my current car was fitted with this mileage thing, which also lessens the amount i pay (NOT A BALCK BOX).. but roughly do you know? thanks.""
Will my parents' insurance rates go up?
I recently got 2 traffic tickets (1 for speeding and 1 for disobeying a traffic control device). However, the car I am driving is registered under my parents' policy and I am not the primary driver for it. Will my parent's insurance rates go up because of this, or will this only affect my driving record?""
I Need Car Insurance Help?
I am about to buy a new car and will be 17 maybe 18 when i get it. Its a 350Z so it has to be 6 cylinder which means its a sports car. How much will it raise my insurance.
Can I rent a car without insurance in Texas?
I haven't had a car for awhile but manage to get around easily. However my main ride source goes out of town for a month on Tuesday. I booked a rental through Enterprise online for use until main ride returns. Having not owned a car for awhile, I have no insurance, so my question is: will enterprise still allow me the rental without having personal insurance? I know they have insurance to purchase at time of rental, but I need to know if I will be denied rental without my own insurance. Please know what your talking about and be sure of your answer! It's very frustrating when people who don't know the answer respond with inaccurate information.""
What are the best private health insurance plans in Ca. & Florida?....And which state is more affordable?
What are the best private health insurance plans in Ca. & Florida?....And which state is more affordable?
rhode island insurance broker license
rhode island insurance broker license
""Does anyone know of an auto insurance provider that does not require a credit check in Vancouver, WA?
I switched from Progressive to Allstate online about a month ago. I started the policy and paid the premium. Now I get a letter from Allstate saying they are unable to carry a policy for me due to my poor credit. I'm angry and totally disagree with my credit score having anything to do with my driving ability. I refuse to do business with any company that uses a credit score to determine auto insurance rates or availability.
Can I own a car and have someone else insure it?
Ok I'm 19 and currently own my own car and the pink slip is under my name but I know if I get insurance right now it will be high so I was wondering if my dad can insure it while I drive it under my name. I live in California and my dad has State Farm. Thank you.
What company offers the cheapest motorcycle insurance in Toronto?
I Want to buy a motorcycle around $ 5000 and wondering how much would be the insurance for the following motorcycles 2006-2009 Honda CBR RR 600 2006-2009 Honda CBR 125 How can I be able to get discount on my premium. I have a full M licence with no accidents for like 2 years. I live on Dufferin st close to bloor and I am 25 years old male Serious replies only please because having a car is too expensive for me.
How much is it to insure a lancer evo IX MR?
Im 18 your old young man trying to figure out how much it is for insurance generally for the car for a guy my age. Also is the fq400 an import?
How can I prevent this girl from completely taking advantage of my insurance company?
A few nights ago I accidentally brushed the side of my neighbor's car with my front bumper (cause she was parked like an idiot as usual). I'm taking full responsibility of it cause it's my fault and I have no problem with that. Initially I was going to pay for the scrape to be compounded out and whatever else was wrong as a result of me hitting it. However, when I spoke to her, she started pointing out a ridiculous amount of things: there's a scratch in addition to the scrape (ok, sure), she says I cracked her light (maybe I did, it's possible) but she's also saying that I caused her tire to pop out and that there's tread missing from it (which makes absolutely no sense because I didn't hit the tire or rim or wheel well at all). Basically, she expects a whole new paint job and a set of tires which is ridiculous for the small amount of damage that was done. I want to make sure she isn't trying to take advantage of my insurance company and cause my rates to skyrocket as a result. The car is a complete piece of sh*t and she doesn't take care of it at all - the paint's dull, the rims are rusted - and I think she's trying to fix these things by making it like they were a result of me hitting her. I have no problem at all taking responsibility for the damage I did, but I do have a problem with her making things up and trying to fix other issues through my insurance company. The last claims representative I spoke with told me that I would not be contacted by the adjuster at all since there is no damage to my car. Since she's going to be talking with the adjuster and I won't, I'm afraid she's going to exaggerate the amount of damage. Should I call my insurance company and tell them this? Will they care? What can I do?""
What is the insurance of Maybach car?
I live in the UK. I don't want sites referred to me, but just want an estimate of how much insurance would be""
Subsidized health insurance for age 55+ in California?
Is there a subsidized health insurance program for people age 55+ in California? I used to live in Massachusetts where my father-in-law has MassHealth insurance coverage. Any program similar to that in California? Thanks!
How to get cheap car insurance?
i want to know that how to get cheap first car insurance in u.k?
How much would insurance cost?
How much would insurance be if I bought a Mustang GT or GT Premium coupe with a 4.6L V8 and 260hp? I'm 15 and in driver's ed, one of the best in class, I make all A's in school, if that matters, and I'd prefer an estimate for liability and full coverage. By the way, I'm a good driver, I'm more concerned with driving smooth than driving fast. I want a Mustang GT because my friend has one and I love it. It would be a 2000-2004 model and I live in Alabama""
17 Year Old Insurance Question..?
What would be the average cost to insure any type of vehicle to a 17 year old foreign male (has no SSN, on a special permit VISA to live in the states)? I have around 12k to spend on the car, so i was looking at a few cars and the 2002 Audi TT (225hp, 6 speed M/T, 2-door sports coupe) seems to be the best car i can get with that money. Now ofcourse, i don't know what the fees are going to be like and it doesn't help that im a foreign student living here because my dad moved here, don't have a SSN/greencard etc (i have a special permit VISA for residence). will this impact my insurance a lot since im not a citizen of the U.S.? and so..how much would it really cost to insure an Audi TT as a 17 year old, honor role student who will complete the driver safety course, have same insurance as family policy, most likely be accident free (for state farm insurance) and have completed the steer clear driver's discount program? and some other general questions, what would be the difference in insurance premiums if instead i chose a 4-door sedan like a Honda Civic (2005)? I tried getting quotes from State Farm (said i was 18 instead), they got me at hte basic plan for $350/month for 2002 Audi TT and $375/month for a Civic 2005. Anyways to reduce that (those prices were with most discounts except the family plan)?""
Does it cost more to insure a car with no airbags?
I was thinking of buying a 1986 mustang gt, which has no airbags, would that affect the cost? I was going to put aftermarket Sparco front seats with 4 point safety harnesses in for safety, also would that decrease the insurance rate since I'd be making it safer? Or is it just dependent on car, age, etc.""
Questions about health insurance.?
I'm trying to get health insurance for myself since I have been to my doctor last week and he looked at my swollen cheek and said that it might be cancer tumor, but they're not sure about it and running a biopsy and will know by end of the week. Now, the health insurance companies are denying me coverage because I told them about the doctor's appointment and now considering the tumor as preexisting condition. I was wondering if I didn't tell them about the tumor and got the insurance and got admitted to a hospital, and the insurance company sues me later on; would that a valid sue or could I actually fight it? I only need the insurance till January since the Affordable Care Act comes out in January in which any preexisting cause goes out the window. Thank You!""
Estimate on how much my car insurance will be?
I'm financing a new (or relatively new) car pretty soon, it's probably going to be a Nissan Altima which is a very safe car and is probably going to be either brand new or no more than 1 - 3 years old. I'm just worried about how much I'm going to be paying for full coverage insurance because I haven't had a car in a couple years thus I haven't had car insurance in a while and when I did, it was only no-fault insurance. Also, I'm young (22) so that will make my insurance high. However, I have a spotless driving record so that should help. I also live in a safe county if that matters. Anyone have a ball-park figure on how much I can expect to be paying, monthly? Thanks.""
Liability car insurance?
I need to know some good places to get liability car insurance for a good price
Does my insurance change when I change my license from one state to another? totally confused!?
I want to change from a Delaware license to a Maryland drivers License. I am on my moms insurance and I pay her every year for keeping me on. This is very confusing. After changing from DE to MD license do I notify the insurance company? Can my rates change? Can I still drive the car registered under her name? Please, any info you can provide is helpful! ! I am doing this to get in state tuition for college""
""Pizza delivery driver insurance in own car, where can I get insurance uk?
I have been offered a job as a pizza delIvery driver but I need to insure my car with business insurance I have tried everywhere but know one does it please Help x
Do car insurance and registration have to be under the same name?
let's say Sally buys a car and it's under her name but gets car insurance under her sister's name. is that okay? or both have to be under Sally's name?
Can you tell me which car insurance is cheap in uk.?
Karamjit singh
I need some help with insurance please?
Hey. I'm getting my 'Learners Licence' in the year of 2014. I own a 1984 Datsun/Nissan 300zx turbo. 2 seat, rwd. I live in abbotsford British Colombia and I just wanted to know how much insurance would cost per year with drivers ed. How much it will cost with my L, N and full licence. Thanks.""
Is there a significant difference in auto insurance rates when males turn 25 years old?
I had a friend who worked in auto insurance for a few months, he said that it is all a myth, which is hard to believe. I live in California, and I wanted to get a nicer car when I'm older but insuance is going to be a killer.""
Cheap insurance for Mustang GT?
I am 21 years old, and its hard to find an affordable insurance rate. Does anyone know of an insurer in Ontario that has very good insurance rates for a Mustang GT and young male drivers?""
Cheapest for motorcycle insurance?
Got a 2000 zx6r ninja today and need insurance what company seems to be the cheapest. I dont need full coverage bought bike cash.
What is a good insurance policy for a motorcyclist?
I'm 17 and I have good grades and a job. Im driving to school and to work. Im geting a ninja 250 cc. I litterally own the motorcycle, I paid in cash from a dealer. Do I need liablity insurance? How about comprehensive? collision? medical? Please, I want to pay an addordable insurance policy. Please give me some good policy rates for a 18 year old. ty""
Cheap auto insurance in miami?
Does anyone know of a cheap auto insurance company in miami? i am 20 years old and i have gotten quotes from Esurance, geico, and progressive. the cheapest was Geico and it was $278 a month for the Basic coverage. I own my car and it is a 2003 Hyundai Tiburon""
Free car insurance quotes?
are these qoutes accurate or could the price they give you actually be lower then what the free quote says?
rhode island insurance broker license
rhode island insurance broker license
https://www.linkedin.com/pulse/antique-car-insurance-quotes-dennis-medina/"
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