#FLORIDA DEPARTMENT OF FINANCIAL REGULATION

[rjzimmerman]

Excerpt from this story from the New York Times:

At first glance, Dave Langston’s predicament seems similar to headaches facing homeowners in coastal states vulnerable to catastrophic hurricanes: As disasters have become more frequent and severe, his insurance company has been losing money. Then, it canceled his coverage and left the state.

But Mr. Langston lives in Iowa.

Relatively consistent weather once made Iowa a good bet for insurance companies. But now, as a warming planet makes events like hail and wind storms worse, insurers are fleeing.

Mr. Langston spent months trying to find another company to insure the townhouses, on a quiet cul-de-sac at the edge of Cedar Rapids, that belong to members of his homeowners association. Without coverage, “if we were to have damage that hit all 17 units, we’re looking at bankruptcy for all of us,” he said.

The insurance turmoil caused by climate change — which had been concentrated in Florida, California and Louisiana — is fast becoming a contagion, spreading to states like Iowa, Arkansas, Ohio, Utah and Washington. Even in the Northeast, where homeowners insurance was still generally profitable last year, the trends are worsening.

In 2023, insurers lost money on homeowners coverage in 18 states, more than a third of the country, according to a New York Times analysis of newly available financial data. That’s up from 12 states five years ago, and eight states in 2013. The result is that insurance companies are raising premiums by as much as 50 percent or more, cutting back on coverage or leaving entire states altogether. Nationally, over the last decade, insurers paid out more in claims than they received in premiums, according to the ratings firm Moody’s, and those losses are increasing.

The growing tumult is affecting people whose homes have never been damaged and who have dutifully paid their premiums, year after year. Cancellation notices have left them scrambling to find coverage to protect what is often their single biggest investment. As a last resort, many are ending up in high-risk insurance pools created by states that are backed by the public and offer less coverage than standard policies. By and large, state regulators lack strategies to restore stability to the market.

Insurers are still turning a profit from other lines of business, like commercial and life insurance policies. But many are dropping homeowners coverage because of losses.

Tracking the shifting insurance market is complicated by the fact it is not regulated by the federal government; attempts by the Treasury Department to simply gather data have been rebuffed by some state regulators. 

The turmoil in insurance markets is a flashing red light for an American economy that is built on real property. Without insurance, banks won’t issue a mortgage; without a mortgage, most people can’t buy a home. With fewer buyers, real estate values are likely to decline, along with property tax revenues, leaving communities with less money for schools, police and other basic services.

And without sufficient insurance, people struggle to rebuild after disasters. Last year, storms, wildfires and other disasters pushed 2.5 million American adults out of their homes, according to census data, including at least 830,000 people who were displaced for six months or longer.

[posttexasstressdisorder]

If you want to see what the GOP has in store for the rest of America, visit the Old South

Thom Hartmann

June 27, 2024 5:42AM ET

Photo by Miltiadis Fragkidis on Unsplash

Today is the first Biden-Trump debate and many Americans are wondering how each will articulate their ideas for the future of America.

Republicans have a very specific economic vision for the future of our country, although they rarely talk about it in plain language: they want to make the rest of America look and function just like Mississippi. Including the racism: that’s a feature, not a bug.

It’s called the “Southern Economic Development Model” (SEDM) and has been at the core of GOP economic strategy ever since the days of Ronald Reagan. While they don’t use those words to describe their plan, and neither did the authors of Project 2025, this model is foundational to conservative economic theory and has been since the days of slavery.

The SEDM explicitly works to:

— Maintain a permanent economic underclass of people living on the edge of poverty, — Rigidify racial and gender barriers to class mobility to lock in women and people of color, — Provide a low-cost labor force to employers,

— Prevent unions or any other advocates for workers’ rights to function, — Shift the tax burden to the working poor and what’s left of the middle class while keeping taxes on the morbidly rich extremely low, — Protect the privileges, power, and wealth of the (mostly white and male) economic overclass, — Ghettoize public education and raise the cost of college to make social and economic mobility difficult, — Empower and subsidize churches to take over public welfare functions like food, housing, and care for indigent people, — Allow corporations to increase profits by dumping their waste products into the air and water, — Subsidize those industries that financially support the political power structure, and, — Heavily use actual slave labor.

For hardcore policy wonks, the Economic Policy Institute(EPI) did a deep dive into the SEDM last month: here’s how it works in summary.

Republicans claim that by offering low-cost non-union labor and little to no regulatory oversight to massive corporations, they’re able to “attract business to the region.” This, they promise, will cause (paraphrasing President Kennedy out of context) “a rising tide that lifts all boats.”

Somehow, though, the only people who own boats that rise are those of the business owners and senior executives. The permanent economic underclass is key to maintaining this system with its roots in the old plantation system; that’s why Mississippi, Louisiana, Alabama, Tennessee, and South Carolina have no minimum wage, Georgia’s is $5.15/hour, and most other GOP states use the federal minimum wage of $7.25/hour and $2.13/hour for tipped workers.

It’s thus no coincidence that ten out of the 20 Republican-run states that only use the federal minimum wage are in the Old South.

Anti-union or “right to work for less” efforts and laws are another key to the SEDM; the failed unionization effort last month at the Alabama Mercedes factory was a key victory for the GOP. Unions, after all, balance the power relationship between management and workers; promote higher wages and benefits; support workplace and product safety regulations; advance racial and gender equality; boost social mobility; and have historically been the most effective force for creating a healthy middle class.

Unionization, however, is antithetical to creating and maintaining a permanent economic underclass, which is why, as EPI notes, “while union coverage rates stand at 11.2% nationally, rates in 2023 were as low as 3.0% in South Carolina, 3.3% in North Carolina, 5.2% in Louisiana, and 5.4% in Texas and Georgia.”

Unions also make wage theft more difficult, essentially forcing government to defend workers who’ve been ripped off by their employers. That’s why Florida doesn’t even have a Department of Labor (it was dismantled by Republican Governor Jeb Bush in 2002), and the DOLs in Alabama, Delaware, Georgia, Louisiana, Mississippi, and South Carolina no longer bother to enforce wage theft laws or recover stolen money for workers.

Another key to the SEDM is to end regulation of corporate “externalities,” a fancy word for the pollution that most governments in the developed world require corporations to pay to prevent or clean up. “Cancer Alley” is probably the most famous example of this at work: that stretch from west Texas to New Orleans has more than 200 refineries and chemical plants pouring poison into the air resulting in downwind communities having a 7 to 21 times greater exposure to these substances. And high rates of cancer: Southern corporate profits are boosted by sick people.

Between 2008 and 2018, EPI documents, funding for state environmental agencies was “cut [in Texas and Louisiana] by 35.2% and 34.8% respectively.… Funding was down by 33.7% in North Carolina, 32.8% in Delaware, 20.8% in Georgia, 20.3% in Tennessee, and 10% in Alabama.”

To keep income taxes low on the very wealthy, the SEDM calls for shifting as much of the taxpaying responsibility away from high-income individuals and dumping it instead on the working poor and middle class. This is done by either ending or gutting the income tax (Texas, Florida, and Tennessee have no income tax) and shifting to sales tax, property taxes, fees, and fines.

Nationally, for example, sales taxes provide 34.4% of state and local revenue, but in the SEDM states that burden is radically shifted to consumers: Tennessee, for example, gets 56.6% of their revenue from sales tax, Louisiana 53.3%, Florida 50.9%, Arkansas 49.6%, Alabama 48%, and Mississippi 45.5%. Fees for registering cars, obtaining drivers’ and professional licenses, tolls, traffic and other fines, and permits for home improvements all add to the load carried by average working people.

Republicans argue that keeping taxes low on “job creators” encourages them to “create more jobs,” but that old canard hasn’t really been taken seriously by anybody since Reagan first rolled it out in 1981. It does work to fill their money bins, though, and helps cover the cost of their (tax deductible) private jets, clubs, and yachts.

Another way the SEDM maintains a low-wage workforce is by preventing young people from getting the kind of good education that would enable them to move up and out of their economic and social class. Voucher systems to gut public education, villainization of unionized teachers and librarians, and increasing college tuition all work together to maintain high levels of functional illiteracy. Fifty-four percent of Americans have a literacy rate that doesn’t exceed sixth grade, with the nation’s worst illiteracy mostly in the Old South.

Imposing this limitation against economic mobility on women is also vital to the SEDM. Southern states are famous for their lack of female representation in state legislatures (West Virginia 13%, Tennessee 14%, Mississippi and South Carolina 15%, Alabama and Louisiana 18%), and the states that have most aggressively limited access to abortion and reproductive healthcare (designed to keep women out of the workplace and dependent on men) are entirely Republican-controlled.

Perhaps the most important part of the SEDM pushed by Republicans and Project 2025 is gutting the social safety net. Wealthy rightwingers have complained since FDR’s New Deal of the 1930s that transferring wealth from them to poor and middle-class people is socialism, the first step toward a complete communist tyranny in the United States. It’s an article of faith for today’s GOP.

Weekly unemployment benefits, for example, are lowest in “Mississippi ($235), Alabama ($275), Florida ($275), Louisiana ($275), Tennessee ($275), South Carolina ($326), and North Carolina ($350)” with Southern states setting the maximum number of weeks you can draw benefits at 12 in Florida, North Carolina, and Kentucky, 14 in Alabama and Georgia, and a mere 16 weeks in Oklahoma and Arkansas.

While only 3.3% of children in the Northeast lack health insurance, for the Southern states that number more than doubles to 7.7%. Ten states using the SEDM still refuse to expand Medicaid to cover all state residents living and working in poverty, including Mississippi, Alabama, Georgia, South Carolina, Florida, Tennessee, and Texas.

The main benefit to employers of this weak social safety net is that workers are increasingly desperate for wages — any sort of wages — and even the paltriest of benefits to keep their heads above water economically. As a result, they’re far more likely to tolerate exploitative workplace conditions, underpaid work, and wage theft.

Finally, the SEDM makes aggressive use of the 13th Amendment’s legalization of slavery. That’s not a metaphor: the Amendment says, “Neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States, or any place subject to their jurisdiction.” [emphasis added]

That “except as punishment for crime” is the key. While Iceland’s and Japan’s incarceration rates are 36 for every 100,000 people, Finland and Norway come in at 51, Ireland and Canada at 88, there are 664 people in prison in America for every 100,000 people. No other developed country even comes close, because no other developed country also allows legalized slavery under color of law.

Fully 800,000 (out of a total 1.2 million prisoners) Americans are currently held in conditions of slave labor in American jails and prisons, most working for private prison corporations that profitably insource work and unfairly compete against normal American companies. Particularly in the South, this workforce is largely Black and Hispanic.

As the ACLU documented for the EPI, “The vast majority of work done by prisoners in Alabama, Arkansas, Florida, Georgia, Mississippi, South Carolina, and Texas is unpaid.” Literal slave labor, in other words. It’s a international scandal, but it’s also an important part of this development model that was, after all, first grounded in chattel slavery.

The Christian white supremacist roots of the SEDM worldview are best summed up by the lobbyist and head of the Southern Committee to Uphold the Constitution, Vance Muse — the inventor of the modern “right to work for less” model and advocate for the Southern Economic Development Model — who famously proclaimed in 1944, just days after Arkansas and Florida became the first states to adopt his anti-union legislation, that it was all about keeping Blacks and Jews in their places to protect the power and privileges of wealthy white people.

So, if you want to see what Republicans have in mind for the rest of America if Trump or another Republican becomes president and they can hold onto Congress, just visit the Old South. Or, as today’s MAGA GOP would call it, “the New Model.”

[darkmaga-retard]

20 attorney-generals from Republican states have penned a letter addressed to US Treasury Department Secretary Janet Yellen, in protest of the Treasury’s apparent push to stigmatize anti-de-banking laws as “harmful to national security.”

We obtained a copy of the letter for you here.

The signatories, led by Florida AG Ashley Moody, cited the Treasury’s recent letter that went after those states that either have or are preparing to enact laws aimed at protecting clients from de-banking.

The Treasury’s letter (sent by Undersecretary Brian Nelson), they write, was critical of laws like Florida’s HB 989, designed to prevent banks from denying financial services “based on factors that are not grounded in measurable risks.”

Previously, the Treasury prohibited banks from doing this, except in cases when a client was documented as unable to meet quantitative, impartial risk-based standards.

“Importing political activism into financial regulation” is how the Republican AGs now describe this marked shift in policy.

[beardedmrbean]

The Supreme Court unanimously handed the National Rifle Association a win Thursday in the gun rights group's effort to revive a 2018 First Amendment lawsuit accusing a New York official of causing damage to the NRA's relationships with banks and insurers.

Justice Sonia Sotomayor wrote a unanimous opinion that found the NRA "plausibly alleged" that Maria Vullo, a former superintendent of New York's Department of Financial Services, illegally retaliated against the pro-Second Amendment group after the Parkland, Florida, high school mass shooting that left 17 people dead.

The question before the justices was whether Vullo used her regulatory power to force state financial institutions to cut off ties with the NRA in violation of constitutional First Amendment protections.

Vullo, who worked in former Democratic Gov. Andrew Cuomo's administration, said her regulations targeted an insurance product that is illegal in New York, which is dubbed by critics as "murder insurance." In essence, such insurances are third-party policies sold via the NRA that cover personal injury and criminal defense costs after the use of a firearm.

"Here, the NRA plausibly alleged that Vullo violated the First Amendment by coercing DFS-regulated entities into disassociating with the NRA in order to punish or suppress gun-promotion advocacy," Sotomayor, an appointee of former President Barack Obama, wrote in her decision.

Although the gun rights group is typically involved in litigation surrounding the Second Amendment, the case marked an unusual departure to a First Amendment claim that even had backing from the American Civil Liberties Union, which has historically targeted the gun rights group in other cases before the high court.

The result of the case means the NRA can continue its lawsuit against Vullo.

Justices Neil Gorsuch and Ketanji Brown Jackson penned separate concurrences.

[sheldricklawfirm]

Understanding Bad Faith Insurance Practices in Florida, New Jersey, and New York

What is Bad Faith Insurance?

Bad faith insurance practices involve an insurer's intentional refusal to honor its contractual obligations to the policyholder. This occurs when an insurance company fails to act in good faith and fair dealing, which it is legally required to do. Bad faith can be both first-party (directly against the policyholder) and third-party (against a party making a claim against the policyholder).

How Does Bad Faith Occur?

Bad faith can occur through various deliberate actions by the insurer, including:

Misrepresentation of Policy Terms: Insurers may intentionally misrepresent the terms of the policy to deny coverage.

Improper Investigation: Conducting a biased or incomplete investigation to justify denying a claim.

Unreasonable Denial or Delay: Denying or delaying payment without a reasonable basis.

Lowball Offers: Offering settlements far below the claim's actual value.

Florida Law

Under Florida Statutes §624.155, an insurer can be held liable for bad faith if it fails to settle claims when it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for their interests.

New Jersey Law

In New Jersey, the "fairly debatable" standard applies, meaning the insurer must demonstrate a reasonable basis for denying a claim. The case of Pickett v. Lloyd’s, 131 N.J. 457 (1993), is a pivotal ruling that requires insurers to justify their actions reasonably.

New York Law

In New York, proving bad faith requires showing that the insurer engaged in egregious conduct or a pattern of unfair practices, as established in Pavia v. State Farm Mutual Auto. Ins. Co., 82 N.Y.2d 445 (1993). This case demonstrates the high burden of proof required to establish bad faith.

What to Do If You Suspect Bad Faith

If you believe your insurance company is acting in bad faith, take the following steps:

Understand Your Policy: Review your insurance policy to understand your coverage and rights.

Document Everything: Keep detailed records of all communications with your insurer, including emails, letters, and phone calls.

File a Complaint: You can file a complaint with your state's insurance regulatory agency. In Florida, this is the Florida Office of Insurance Regulation; in New Jersey, it's the New Jersey Department of Banking and Insurance; and in New York, it's the New York State Department of Financial Services.

Seek Legal Advice: Consult with an experienced attorney who specializes in insurance bad faith claims. They can help you understand your rights and take appropriate legal action.

State-Specific Tips

Handling bad faith insurance claims varies significantly depending on the state.

Each jurisdiction has its own laws, procedures, and standards that affect how these cases are approached. Below, we provide specific tips for Florida, New Jersey, and New York to help you effectively address bad faith practices in your state. These tailored insights will help you take appropriate action and protect your rights based on your location.

Florida Tip

In Florida, policyholders have the right to file a Civil Remedy Notice (CRN) with the Department of Financial Services. This notice gives the insurer 60 days to resolve the issue before a lawsuit can be filed (Fla. Stat. §624.155).

New Jersey Tip

In New Jersey, keeping meticulous records of all interactions with the insurer is crucial for building a strong case under the "fairly debatable" standard. Refer to the case Pickett v. Lloyd’s, 131 N.J. 457 (1993), for guidance on how courts assess these claims.

New York Tip

In New York, due to the high burden of proof required to establish bad faith, it is essential to gather substantial evidence of the insurer's egregious conduct or pattern of unfair practices. Refer to Pavia v. State Farm Mutual Auto. Ins. Co., 82 N.Y.2d 445 (1993) for more details on the legal standards applied in these cases.

Continue reading our Bad Faith article by clicking here.

Have a question about a bad faith claim?

Call The Sheldrick Law Firm at (561) 440-7775 and ask to speak with attorney Kayla Sheldrick.

Proudly Serving Florida, New Jersey, & New York

[davidrian123]

Medical Waste Disposal in Orlando: Ensuring Safety and Compliance

In Orlando, a city renowned for its vibrant tourism and growing population, the healthcare sector plays a crucial role in maintaining public health. However, with the delivery of healthcare comes the inevitable generation of medical waste, which must be handled with the utmost care and responsibility. Medical waste disposal in Orlando is not just a routine task it is a critical process that safeguards both public health and the environment. Medical waste, a product of various healthcare activities, includes materials that can be hazardous if not properly managed. Each type of waste requires specialized disposal methods to mitigate potential risks. Infectious waste, for instance, contains materials contaminated with blood, bodily fluids, or other pathogens that could spread infections if not treated correctly.

Sharps, including needles and scalpels, pose a risk of injury and transmission of diseases such as HIV and hepatitis. Pharmaceutical waste, including expired or unused medications, must be disposed of in a way that prevents environmental contamination, while chemical waste from laboratories and healthcare facilities needs careful handling to avoid toxic spills or leaks. Understanding the nature of these wastes is crucial for healthcare providers, who must navigate the complexities of proper disposal to ensure the safety of their staff, patients, and the wider community.

The Importance of Effective Medical Waste Disposal in Orlando

The proper disposal of medical waste in Orlando is not just a regulatory requirement; it is an ethical and environmental imperative. In a city with a diverse and expanding healthcare landscape, the volume of medical waste generated daily is substantial. Without effective disposal practices, this waste could pose significant risks to public health and the environment.

The financial and legal repercussions of non-compliance with medical waste disposal regulations are also severe. Healthcare facilities in Orlando are required to adhere to a stringent set of local, state, and federal regulations governing the disposal of medical waste. Non-compliance can result in hefty fines, legal actions, and significant damage to a facility’s reputation. Therefore, effective medical waste disposal is not just about avoiding penalties; it is about fulfilling a commitment to public safety and environmental stewardship.

Regulatory Framework Governing Medical Waste Disposal in Orlando

Medical waste disposal in Orlando is governed by a robust regulatory framework that ensures the protection of public health and the environment. This framework is enforced by a combination of federal, state, and local agencies, each with specific guidelines and requirements for the management of medical waste.

State regulations, particularly those enforced by the Florida Department of Health, further define the standards for medical waste disposal in Orlando. These regulations are designed to complement federal guidelines, ensuring that waste management practices are tailored to the specific needs of Florida’s healthcare providers. The Florida Department of Health also oversees the licensing and inspection of medical waste facilities, ensuring that all operations meet the required safety and compliance standards.

Challenges in Medical Waste Disposal in Orlando

Despite the comprehensive regulatory framework, medical waste disposal in Orlando presents several challenges. The city’s diverse healthcare landscape, which includes everything from large hospitals to small private clinics, means that waste management needs vary significantly from one facility to another. Larger hospitals may generate substantial volumes of waste daily, requiring robust systems for collection, storage, and disposal. In contrast, smaller clinics or home healthcare services might produce less waste, but they still face the same regulatory requirements and risks.

Another significant challenge is staying up-to-date with evolving regulations. Both federal and state guidelines for medical waste disposal are frequently updated to reflect new safety standards, technological advancements, and environmental concerns. Healthcare providers in Orlando must remain vigilant to ensure that their waste management practices are always in line with the latest regulations. Failure to do so can lead to compliance issues, legal penalties, and increased risk of harm to staff, patients, and the community.

Additionally, there is the ongoing challenge of balancing cost-effectiveness with safety and compliance. Proper medical waste disposal can be expensive, especially for smaller facilities. However, cutting corners to save costs can lead to inadequate disposal practices, which may result in severe health, legal, and environmental consequences. Healthcare providers in Orlando must find ways to manage their waste efficiently without compromising on safety or compliance.

Innovative Approaches to Medical Waste Disposal

In response to these challenges, many healthcare facilities in Orlando are adopting innovative approaches to medical waste disposal. These approaches are designed not only to meet regulatory requirements but also to enhance safety, efficiency, and sustainability.

One such approach is the use of advanced waste treatment technologies that reduce the volume of waste and the environmental impact. For example, autoclaving, a method that uses steam under pressure to sterilize waste, is commonly used to treat infectious waste before disposal. Another innovation is the integration of waste-to-energy technologies. In Orlando, some medical waste facilities have adopted systems that convert waste into energy, significantly reducing the amount of waste sent to landfills. This not only minimizes environmental impact but also provides a sustainable source of energy.

Choosing the Right Medical Waste Disposal Partner in Orlando

Given the complexities of medical waste disposal, many healthcare providers in Orlando choose to partner with specialized waste management companies. These companies offer a range of services, from waste collection and transportation to treatment and disposal, ensuring that all regulatory requirements are met. When selecting a medical waste disposal partner, healthcare providers in Orlando should consider several factors. The first is the company’s knowledge of local, state, and federal regulations.

A good waste management partner will have a deep understanding of the regulatory landscape and will be able to provide guidance and support to ensure compliance. Another important factor is the company’s commitment to safety and environmental sustainability. Providers should look for a waste management partner that uses advanced treatment technologies, adheres to strict safety protocols, and has a track record of reducing environmental impact.

Finally, cost-effectiveness is a key consideration. While it’s important not to compromise on safety or compliance, healthcare providers should seek a waste management partner that offers competitive pricing and flexible services. This is particularly important for smaller facilities that may have limited budgets but still need to meet all regulatory requirements.

The Future of Medical Waste Disposal in Orlando

As Orlando’s healthcare sector continues to grow, the demand for effective medical waste disposal will only increase. The future of medical waste disposal in the city will likely be shaped by several key trends.

One such trend is the increasing focus on sustainability. As environmental concerns become more pressing, healthcare providers in Orlando will need to adopt greener waste management practices. This could include greater use of waste-to-energy technologies, increased recycling of medical materials, and a stronger emphasis on reducing the overall volume of waste generated.

Another trend is the continued evolution of regulations. As new healthcare practices and technologies emerge, regulatory bodies will update and refine guidelines for medical waste disposal. Healthcare providers in Orlando will need to stay informed of these changes and be prepared to adapt their waste management practices accordingly. Finally, advances in technology will continue to play a significant role in shaping the future of medical waste disposal. Innovations in waste treatment, data analytics, and transportation will enable healthcare providers to manage their waste more efficiently and safely.

Medical waste disposal in Orlando is a complex and critical process that requires a deep understanding of regulations, and a commitment to safety and sustainability. By staying informed, adopting innovative approaches, and partnering with experienced waste management companies, healthcare providers in Orlando can ensure that their waste is disposed of safely, efficiently, and in full compliance with all regulatory requirements. In doing so, they will protect public health, safeguard the environment, and contribute to the ongoing success of Orlando’s healthcare industry.

[alex-sweetoblivion]

Investing in Land for Sale in Florida: A Comprehensive Guide

Investing in land for sale in Florida offers promising opportunities due to the state’s robust real estate market and desirable locations. Start by researching market trends and identifying high-growth areas. Consider factors like proximity to amenities, zoning regulations, and future development plans. Conduct thorough due diligence, including land surveys and environmental assessments. Understanding legal requirements and securing proper financing are crucial steps. Engage with local real estate experts to gain insights and navigate the process smoothly. Whether for residential, commercial, or agricultural purposes, investing in Florida land can yield substantial returns and provide a valuable asset in a thriving market.

Why Invest in Land for Sale in Florida?

Investing in land for sale in Florida is a smart choice due to the state's booming real estate market, diverse landscapes, and robust economy. Florida offers numerous opportunities for investors, from residential developments to commercial properties and agricultural land. The state's growing population, tourism industry, and favorable climate make it an attractive destination for long-term investments. By understanding the market dynamics and potential growth areas, investors can capitalize on Florida's real estate opportunities.

Identifying Prime Locations for Land Investments in Florida

When considering land for sale in Florida, location is crucial. Prime areas include coastal regions, popular tourist destinations, and rapidly developing suburbs. Cities like Miami, Orlando, and Tampa offer excellent investment prospects due to their economic growth and high demand for real estate. Additionally, exploring emerging markets in smaller towns and rural areas can yield significant returns. Researching local infrastructure projects, zoning laws, and future development plans can help investors pinpoint the best locations for their land investments.

Understanding Zoning Laws and Regulations in Florida

Navigating Florida's zoning laws and regulations is essential for successful land investments. Different areas have specific rules regarding land use, building restrictions, and environmental protections. Understanding these regulations helps investors make informed decisions and avoid potential legal issues. Consulting with local planning departments and real estate attorneys can provide valuable insights into zoning requirements and ensure compliance with state and local laws. Thorough knowledge of zoning laws can enhance the value and usability of your land investment.

Evaluating the Potential Return on Investment (ROI)

Assessing the potential return on investment (ROI) is a key step when investing in land for sale in Florida. Factors influencing ROI include location, market demand, land development potential, and holding costs. Conducting a comprehensive market analysis and feasibility study can help estimate future property values and rental income. Additionally, considering the costs of land improvements, taxes, and maintenance is crucial for calculating accurate ROI. By evaluating these factors, investors can make strategic decisions to maximize their profits.

Financing Options for Purchasing Land in Florida

Securing financing for land investments in Florida involves exploring various options, including traditional bank loans, private lenders, and owner financing. Each option has its advantages and considerations. Traditional bank loans typically offer lower interest rates but may require higher credit scores and down payments. Private lenders and owner financing can provide more flexible terms but often come with higher interest rates. Understanding the pros and cons of each financing method can help investors choose the best option for their financial situation and investment goals.

The Role of Due Diligence in Land Investments

Due diligence is a critical process when purchasing land for sale in Florida. This involves researching the property's history, conducting environmental assessments, and verifying legal ownership and title status. Due diligence helps identify any potential issues, such as environmental hazards, legal disputes, or encumbrances that could affect the land's value or usability. Working with experienced real estate professionals, such as land surveyors, environmental consultants, and attorneys, can ensure thorough due diligence and protect your investment.

Developing a Long-Term Investment Strategy for Florida Land

Creating a long-term investment strategy is essential for maximizing the benefits of purchasing land for sale in Florida. This strategy should include setting clear investment goals, identifying target markets, and planning for future development or resale. Diversifying your land portfolio across different regions and property types can mitigate risks and enhance returns. Additionally, staying informed about market trends, economic indicators, and local development plans can help investors make proactive decisions. A well-defined investment strategy ensures sustained growth and profitability in Florida's dynamic real estate market.

Conclusion

Investing in land for sale in Florida offers immense opportunities due to the state's vibrant real estate market, diverse landscapes, and robust economy. By carefully selecting prime locations, understanding zoning laws, evaluating ROI, exploring various financing options, and conducting thorough due diligence, investors can maximize their potential returns. Developing a long-term investment strategy is essential for sustained growth and profitability. With the right knowledge and strategic planning, investing in Florida land can be a highly rewarding endeavor, providing both financial gains and valuable assets for future development or resale.

[head-post]

Iran sanctions US officials over human rights violations by suppressing pro-Palestinian protests

The Foreign Ministry of the Islamic Republic of Iran has announced the imposition of sanctions against some US authorities involved in gross human rights violations by suppressing a pro-Palestinian student protest movement, Iranian media reported.

The Foreign Ministry announced on Wednesday that the new sanctions are imposed in accordance with Iran’s 2017 law on “Countering Human Rights Violations and Adventurist and Terrorist Activities of the United States in the Region.”

According to Article 5 of the law, the following US individuals are sanctioned for “their involvement in human rights violations by suppressing peaceful protests by students and professors of US universities who supported the oppressed Palestinian people against the Israeli crimes in Gaza.”

“List of rights violators”

The following individuals were embargoed:

William Billy Hitchens, Commissioner of the Georgia Department of Public Safety,

Eddie Guerrier, commander of Georgia Field Operations,

Linda J. Stump-Kurnick, Chief of the University of Florida Police Department,

Pamela A. Smith, chief of the District of Columbia Metropolitan Police Department,

Jeffery Carroll, executive assistant chief of the Metropolitan Police Department,

Carl Jacobson, Chief of the New Haven Police Department,

Shane Streepy, assistant chief of the University of Texas Police Department (UTPD),

Michael Cox, Commissioner of the Boston Police Department,

Scott Dunning, Chief of the Central Division of the Indiana University Police Department,

Michael Thompson, Chief of Police, Arizona State University,

John Brockie, Chief of Police of the California State Police Department in Long Beach.

Pursuant to articles 6, 7 and 8 of the sixth section of the Act, the aforementioned individuals will be subject to the sanctions provided for in the Act, which include blocking accounts and transactions in the Iranian financial and banking systems, blocking assets within Iran’s jurisdiction, and prohibiting the issuance of visas and entry into the territory of the Islamic Republic.

All relevant national organisations and institutions of the Islamic Republic of Iran, in accordance with the regulations adopted by the relevant authorities, will take the necessary measures for the effective implementation of the said sanctions.

Read more HERE

[cnacertificationprogram]

Your Ultimate Guide to Renewing Your CNA License in Florida

**Title: Your Ultimate Guide ⁤to Renewing Your CNA License in Florida**

**Introduction**

If ‌you are a Certified Nursing Assistant (CNA) ⁣in Florida, it is essential ‌to renew ‍your license to continue⁤ practicing. Renewing your CNA license ensures‌ that you are up-to-date with the ⁤latest standards and practices in the healthcare industry. In this comprehensive ⁣guide, we will walk you through ⁣the ⁣steps to renew your CNA license in Florida, along with some practical tips to make the process smoother and more efficient.

**Renewing Your CNA ​License in Florida**

Renewing your CNA⁤ license in Florida is a straightforward ‍process, but it is crucial to understand the requirements and deadlines to avoid any complications. Here is a step-by-step guide to help you renew‌ your CNA license:

1. **Check the Renewal​ Deadline**: ‍The renewal deadline for CNA licenses in Florida is every ​two years ⁢on the ⁣licensee’s ‌birth month.‌ It is ⁤essential to keep track of your renewal deadline to avoid any late fees or penalties.

2. **Complete Continuing ‌Education Units (CEUs)**: To renew your CNA license⁢ in Florida, you must ⁣complete a certain​ number of⁤ Continuing Education Units (CEUs). The Florida Board of Nursing‌ requires CNAs to complete 24 hours of in-service‌ training within the two-year renewal period.

3. **Submit​ Renewal Application**: You can renew your CNA ‌license online through the Florida Department of Health’s online renewal‍ system. Make sure to‍ fill out the renewal application accurately‍ and submit any ‌required documentation, ‌such as proof of CEU completion.

4. **Pay Renewal Fee**: Along with your renewal application,‌ you will need to pay a renewal⁣ fee. The fee for renewing your CNA license in Florida⁣ is $55. Make sure to pay the fee ⁣on time ‍to avoid any delays in processing your renewal application.

5. ‌**Pass Background Check**:‍ CNAs in Florida are required to pass a background check ⁣as part of⁢ the renewal process. Make sure to provide any necessary information or documentation for‍ the background check to be completed successfully.

6. **Receive Renewed License**: Once your renewal application is processed and ‌approved, you will receive⁢ your renewed CNA license in‌ the mail. Keep your updated license in⁤ a safe place and make ⁢sure to display it prominently in your workplace.

**Benefits of‍ Renewing Your CNA License**

Renewing your CNA license in ⁢Florida is not just a requirement – it‌ also comes with several benefits:

– Ensures you ‌are current with the latest healthcare practices⁢ and regulations. – Maintains your professional credibility and integrity. – Allows‌ you to continue working ‍as a CNA in Florida ‌legally. – Opens⁢ up opportunities for career advancement and specialization in the healthcare industry.

**Practical Tips for Renewing Your CNA License**

Here ⁤are some ‍practical tips to help you smoothly‌ renew ‍your CNA license in Florida:

– Keep track of your renewal deadline and​ start the ‍renewal process early. – Stay organized with your CEU documentation‌ and make sure to‍ complete the‍ required hours on time. – Double-check your renewal application for ⁢any errors or missing information before submitting. – Set aside funds for the renewal fee ‌to avoid any financial stress. – Stay informed about any changes to the renewal process or requirements by regularly checking the Florida Department of Health’s website.

**Conclusion**

Renewing ⁢your CNA license in Florida is a crucial step to continue ‌practicing as a Certified Nursing Assistant. By following the steps outlined⁣ in this guide ⁤and staying proactive in the renewal process, you can ensure that ‍your license is up-to-date and ⁢compliant⁣ with the state regulations. Remember to prioritize your professional development ⁤and maintain your commitment to providing quality care ⁣to patients as a CNA in Florida.

https://cnacertificationprogram.net/your-ultimate-guide-to-renewing-your-cna-license-in-florida/

[thxnews]

New DOD Breast Milk Reimbursement Policy

The Defense Department has introduced a new policy that covers costs associated with shipping breast milk during permanent change of station (PCS) moves. This policy aims to support breastfeeding military parents by reimbursing up to $1,000 in expenses.  

Air Force Staff Sgt. Brent Rochette inspects the condition of shipped items at Robins Air Force Base, Ga. Photo by the DOD.  

Introduction

Military families often face unique challenges during relocations. The new Defense Department policy offers financial relief by covering breast milk shipping costs during PCS moves. This initiative aims to ease the burden on breastfeeding service members and their families, ensuring that they receive the support they need.  

Policy Details

The Defense Department’s new policy, published in the Joint Travel Regulations, reimburses up to $1,000 for breast milk shipping expenses. This reimbursement covers costs such as: - Dry ice - Commercial shipping fees - Excess baggage charges Federal law prohibits reimbursement for packaging and container expenses.   Impact on Military Families Christopher Woods, policy branch chief for the Defense Travel Management Office, emphasized the importance of this policy. "This allowance allows the breastfeeding service member to ship that milk back to the previous, permanent duty station where the dependents still are," Woods stated. This policy aims to support military families who often have to travel separately during PCS moves. Military families frequently incur significant costs to store and transport breast milk during moves. Whether it’s purchasing ice, dry ice, or special containers to keep the milk cold during long trips, these expenses can add up quickly. This policy change provides much-needed financial relief, ensuring that breastfeeding service members can maintain their routines without added stress.  

A woman filling in a claim form. Photo by Digits. Wikimedia.  

How to Claim Reimbursement

Service members seeking reimbursement must follow these steps: - Authorization: Obtain authorization included on PCS orders prior to incurring any expenses. - Claim Submission: Submit all receipts associated with the claimed expenses with the PCS voucher once the move is complete.   Reimbursement Process Step Description Authorization Include on PCS orders before incurring expenses Expense Tracking Keep all receipts for associated expenses Claim Submission Submit receipts with PCS voucher after move This process ensures transparency and proper use of funds, making it straightforward for service members to claim their reimbursements.  

Navy Lt. Cmdr. Christine Higgins and husband Jermaine Higgins use the lactation pod at Naval Hospital Jacksonville, Florida. Photo by Deidre Smith, Navy. DOD.   Broader Implications The new policy aligns with Secretary of Defense Lloyd J. Austin III's "Taking Care of Our Service Members and Families" campaign. This initiative focuses on enhancing support for military personnel and their families through various measures, including: - Improving access to quality and affordable childcare - Easing the burdens of relocation According to Military OneSource, more than 400,000 service members change duty stations each year. This policy is part of a broader effort to address the unique challenges faced by military families during these frequent moves. Woods highlighted the department's ongoing commitment to improving the experiences of service members. "We're adapting to challenges and different circumstances in order to better support our workforce," Woods said. This includes recent policy changes to cover travel expenses for transporting pets during PCS moves.   Final Thoughts The Defense Department's new policy on breast milk shipping reimbursements is a significant step towards supporting military families. By alleviating the financial burden associated with shipping breast milk, the DOD is reinforcing its commitment to the well-being of its personnel. This policy not only supports breastfeeding service members but also aligns with broader efforts to improve the quality of life for all military families.   Sources: THX News & US Department of Defense. Read the full article

[rjzimmerman]

As climate change produces more extreme weather, insurers are losing money, even in states with low hurricane and wildfire danger. Across the country, insurers are facing more bad years than good years. If this trend continues, it could destabilize the broader economy.

Excerpt from this story from the New York Times:

The insurance turmoil caused by climate change — which had been concentrated in Florida, California and Louisiana — is fast becoming a contagion, spreading to states like Iowa, Arkansas, Ohio, Utah and Washington. Even in the Northeast, where homeowners insurance was still generally profitable last year, the trends are worsening.

In 2023, insurers lost money on homeowners coverage in 18 states, more than a third of the country, according to a New York Times analysis of newly available financial data. That’s up from 12 states five years ago, and eight states in 2013. The result is that insurance companies are raising premiums by as much as 50 percent or more, cutting back on coverage or leaving entire states altogether. Nationally, over the last decade, insurers paid out more in claims than they received in premiums, according to the ratings firm Moody’s, and those losses are increasing.

The growing tumult is affecting people whose homes have never been damaged and who have dutifully paid their premiums, year after year. Cancellation notices have left them scrambling to find coverage to protect what is often their single biggest investment. As a last resort, many are ending up in high-risk insurance pools created by states that are backed by the public and offer less coverage than standard policies. By and large, state regulators lack strategies to restore stability to the market.

Insurers are still turning a profit from other lines of business, like commercial and life insurance policies. But many are dropping homeowners coverage because of losses.

Tracking the shifting insurance market is complicated by the fact it is not regulated by the federal government; attempts by the Treasury Department to simply gather data have been rebuffed by some state regulators. To understand what’s happening in the insurance industry, The New York Times interviewed more than 40 insurance executives, brokers, officials and homeowners in a dozen states, and also reviewed financial records from insurers in all 50 states going back more than a decade.

[battytaft0033]

The Role of the Port Orange,FL City Council and Local Government

Navigating Governance: The Role of the Port Orange, FL City Council and Local GovernmentIntroduction:In the intricate tapestry of civic life, local government serves as the linchpin connecting communities with essential services, infrastructure, and decision-making processes. For More Information

Port Orange, Florida, nestled along the Sunshine State's eastern coast, exemplifies the significance of effective municipal governance. At its helm lies the Port Orange City Council, steering the city towards progress, prosperity, and sustainable development.

Representation and Decision Making:The Port Orange City Council stands as the epitome of local democracy, comprising elected representatives entrusted with safeguarding the interests of the city's residents. This governing body operates within a framework designed to ensure accountability, transparency, and responsiveness to the needs of the community.

Through regular meetings, public hearings, and engagement initiatives, the council facilitates an open dialogue between citizens and policymakers, fostering a culture of participatory governance.

Policy Formulation and Implementation:At the core of its responsibilities, the Port Orange City Council plays a pivotal role in shaping the city's policies and ordinances. Drawing upon the expertise of city staff, advisory boards, and community input, council members deliberate on matters ranging from zoning regulations to budget allocations.

By leveraging their collective wisdom and strategic vision, they craft solutions tailored to address the evolving needs and aspirations of Port Orange residents. Once approved, these policies are meticulously implemented, ensuring their effective execution and enforcement.

Fiscal Stewardship and Budgetary Oversight:Sound financial management lies at the heart of municipal governance, and the Port Orange City Council assumes a central role in overseeing the city's fiscal affairs. Through the annual budgetary process, council members allocate resources judiciously, balancing the competing demands of various departments and programs.

By prioritizing investments in infrastructure, public safety, and quality of life initiatives, they strive to enhance the city's economic resilience and long-term sustainability. Moreover, the council exercises prudent oversight to safeguard taxpayer dollars, promoting transparency and accountability in all financial transactions.

Community Engagement and Outreach:Beyond its legislative and administrative functions, the Port Orange City Council fosters a culture of civic engagement and community empowerment.

Through town hall meetings, neighborhood forums, and online platforms, council members solicit feedback, address concerns, and cultivate partnerships with local stakeholders. By actively involving residents in the decision-making process, they harness the collective wisdom and diverse perspectives needed to tackle complex challenges and foster inclusive growth.

Collaboration and Regional Cooperation:Recognizing the interconnectedness of regional issues, the Port Orange City Council advocates for collaboration and cooperation with neighboring municipalities, county governments, and regional entities. By participating in intergovernmental forums, task forces, and joint initiatives, council members seek to address shared challenges, leverage resources, and maximize the collective impact of regional policies and programs.

Through strategic partnerships and alliances, they strive to advance common goals and promote the overall well-being of the greater Port Orange community.Conclusion:In the tapestry of local governance, the Port Orange City Council emerges as a beacon of leadership, stewardship, and community service.

Through its unwavering commitment to public service, the council embodies the principles of democracy, accountability, and civic engagement. By collaborating with residents, businesses, and stakeholders, it charts a course towards a vibrant, resilient, and inclusive future for Port Orange, Florida, ensuring that the city remains a beacon of opportunity and prosperity for generations to come.

[rauthschild]

As always, it is a matter of discerning which "law" applies to Autochthonous Americans or doesn't apply to you.  People are alarmed by new regulations being imposed by the "Corporate Transparency Act" (CTA) as of next Monday, January 1, 2023. 

This Act, like all legislative Acts, pertains only to federal business entities, corporate officials, and corporate employees. 

Are you a "federal" corporate business entity, corporate official, or corporate employee?  

Let's look at the actual list of who is liable for these new business reporting requirements: 

The CTA impacts federal reporting entities, corporations, limited liability companies, limited business partnerships, business trusts, and similar entities that are created or registered by filing documentation with a State of State [> Title 5, U.S.C.S. § 1501(2)] Secretary of State or Indian Tribal Office.  (Indian Tribal Offices are also under the British-connected Federal Municipal System.) 

CTA does not include unincorporated, unregistered, unlicensed, and exempted businesses that have not sought public bankruptcy protection or similar limited liability benefits, and therefore are not public entities. 

It does include non-profits and non-governmental organizations (NGOs) that have filed paperwork with any State of State Secretary of State or registered their organizations as franchise corporations with any State of State Division of Banking and Commerce, etc. 

Bottom line, if you have been unwise enough to incorporate your business enterprises and sought "benefits" for your business from the Public, and then used layers of interlocking trusts and other mechanisms to hide your business relationships, launder money, collude in illegal asset protection schemes, and dodge taxes --- you are in a heap of trouble, boy.  

As of January 1, 2024, you have to report on your business relationships, ownership interests, etc., to FinCen, the Financial Crimes Enforcement Network, of the U.S. Department of Treasury (note, this is not the same as the U.S. Department of the Treasury, LOL). 

As of this past week, you were in a heap of trouble, anyway, as your corporations are basically dissolved if they were in any way attached to the British Empire --and most of the corporations in America were, because since the Civil War when the Corporation Craze started in America, the State of State organizations have all been British Territorial Government operations. 

Read that -- unknown to you, your post-Civil War Corporations created in America have all been registered or otherwise documented and created by a British Territorial Secretary of State's Office, not an American Secretary of State's Office. 

This goes back to the great Substitution Fraud that occurred right after the Civil War, when the British Territorial Government (which was one of our three Federal Subcontractors) declared a "state of emergency" and shoe-horned -- under force and color of law -- the people of each State to create new "State of State Constitutions" providing a service contract for British Territorial State of State organizations to come in and substitute for the American State of State organizations that existed prior to the Civil War.   

Prior to the Civil War, our State services were provided by American purveyors operated as, for example, [T]he State of Florida, Florida State.  After the above described maneuver, the same services were provided by British Territorial purveyors operated as, for example, [t]he State of Florida.  

The only difference that a person on the street could observe would be a change from "The" to "the", new signage, and some new personnel.  

All these organizations and all the organizations created by or registered by these and similar British-connected corporations (this probably means you, if you are an American corporation, limited liability company, yada-yada formed in this country after 1860) have been dissolved and their assets entered into receivership as of last week. 

So while reporting under the requirements of the CTA may have posed yet another reporting expense ---and if you were colluding, evading, or entangling in improper ways --- possible fines and other regulatory unpleasantness, there are bigger fish to fry. 

Don't worry about CTA or even the U.S. Department of Treasury. Worry about hauling your asses and assets out of the flaming dogpile. 

The only way you can do this is by lawfully converting your corporate business operations -- that is, voluntarily "nationalizing" your corporations to stand under the Law of the Land and the auspices of your Autochthonous American Government still standing on the land and soil of your country. 

Otherwise, your companies are unincorporated chattel assets, unprotected and liable for all the "public debts" run up against private assets for the past three centuries. 

This is because, ever since Queen Anne, the Brits have been operating their Monarchy as a shell game.  The Throne of England has stood vacant for three centuries, and that is a real problem, because in order to charter or register corporations -- a government must hold its sovereignty on the Land and Soil. 

And yes, the 💩 rolls downhill.  Because their Majesties haven't been operating in the proper Office and capacity and under the correct form of Law, they haven't had the power to create or register corporations this entire time.  

As a result, all the corporations formed under the auspices of Great Britain and the UK and most American Corporations, too, (because of the Substitution Scheme described above) stand dissolved and their assets are claimed by our unincorporated Federation of Nation-States, as the Preferential Creditor still standing. 

Under such a circumstance, former British Corporations, like their unwitting "American affiliates", may choose to lawfully convert their operations as American Corporations standing on the land jurisdiction of The United States of North America.  

Intent to function lawfully from now on may be established by a vote of the Board of Directors, Board of Governors, or other duly seated corporation officers. So long as they honor this expressed intent they will be given a reasonable amount of time to restructure and lawfully convert their operations. 

Respectfully yours,

The United States of North America

In the Family of Nations, Law of Nations

[ovpwebnetwork]

FOR IMMEDIATE RELEASE:

October 17, 2023

Media Contact:

Danny Wimmer

Michigan Joins Settlements to Resolve Data Security Errors with ACI Worldwide and Inmediata

LANSING – Michigan Attorney General Dana Nessel announced two settlements today involving financial and healthcare technology companies ACI Worldwide and Inmediata. ACI Worldwide is a large-scale payment processing company, Inmediata a healthcare clearinghouse that facilitates financial and clinical transactions between healthcare providers and insurers.

“We must rely on organizations such as these to secure our financial and personal data to a reasonable and robust standard,” said Nessel. “I am happy to join my colleagues in protecting consumers and holding corporations accountable when they violate that trust.”

ACI Worldwide Settlement

Michigan joined a coalition of 48 states, the District of Columbia, and Puerto Rico in announcing a $10 million settlement with payment processor ACI Worldwide over a 2021 testing error that led to the attempted unauthorized withdrawal of $2.3 billion from the accounts of mortgage holders. Michigan will receive $246,258.97 from the settlement. A private class action settlement is providing restitution to persons affected by the testing error. Affected Michigan residents who may wish to submit claim forms must do so by November 13th, and more information on the class action settlement is available here.

ACI Worldwide is a payment processor for Nationstar Mortgage, known publicly as Mr. Cooper. On April 23, 2021, ACI was testing its Speedpay platform. Due to significant defects in ACI’s privacy and data security procedures and its technical infrastructure related to the Speedpay platform, live Mr. Cooper consumer data was entered into the system. This resulted in ACI erroneously attempting to withdraw mortgage payments from hundreds of thousands of Mr. Cooper customers on a day that was not authorized or expected. The error impacted 477,000 customers, some of whom were forced to incur overdraft or insufficient funds fees.

State regulators, including Michigan’s Department of Insurance and Financial Services, have entered into a separate agreement with ACI for an additional $10 million. The regulators’ settlement also orders ACI to take steps to avoid any future incidents, including requiring the company to use artificially created data rather than real consumer data when testing systems or software and to segregate testing or development work from its consumer payment systems.

Along with Michigan, the settlement was joined by the attorneys general of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Wyoming, the District of Columbia, and Puerto Rico.

Inmediata Settlement

AG Nessel also announced that Michigan, along with 32 other state attorneys general, has reached a settlement with Inmediata, a healthcare clearinghouse that facilitates transactions between healthcare providers and insurers across the U.S. The settlement is in response to a coding issue that exposed patient information of approximately 1.5 million consumers for almost three years.

On January 15, 2019, the U.S. Department of Health & Human Services Office of Civil Rights alerted Inmediata that personal information maintained by Inmediata was available online and had been indexed by search engines, potentially allowing sensitive patient information to be viewed and downloaded by anyone with an internet connection.

Although Inmediata was alerted to the breach on January 15, 2019, the company delayed notification to impacted consumers for over three months and then sent misaddressed and unclear notices.

The settlement resolves allegations of the attorneys general that Inmediata violated state consumer protection laws, breach notification laws, and HIPAA by failing to implement reasonable data security.

Under the settlement, Inmediata has agreed to make a $1.4 million payment to the states. Michigan will receive $217,049 from the settlement. Inmediata has also agreed to overhaul its data security and breach notification practices going forward, including:

implementation of a comprehensive information security program with specific security requirements, including code review and crawling controls;

development of an incident response plan with specific policies and procedures regarding consumer notification letters; and

annual third-party security assessments for five years.

Indiana led the multistate Inmediata investigation, assisted by the Executive Committee consisting of Connecticut, Michigan, and Tennessee, and joined by Alabama, Arizona, Arkansas, Colorado, Delaware, Georgia, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, Montana, Nebraska, New Hampshire, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Utah, Washington, West Virginia, and Wisconsin.

##

[davidrian123]

Ensuring Proper Biohazardous Medical Disposal in Tampa: A Guide for Healthcare Facilities

Biohazardous Medical waste encompasses any waste that includes infectious materials or probably dangerous materials, posing a significant risk to public health and the environment. This sort of waste consists of items infected with blood, physical fluids, or different infectious retailers, inclusive of used needles, surgical contraptions, and laboratory specimens. When not treated and disposed of well, biohazardous clinical waste can result in extreme environmental infection and the unfolding of illnesses, endangering both human and ecological health.

The growing range of healthcare facilities in Tampa means that the quantity of biohazardous waste is constantly growing. As a result, the need for a powerful waste control solution has never been more critical. With expertise in the types and assets of biohazardous medical waste disposal, Tampa’s institutions can better plan and put in force disposal techniques that defend public health and the environment. This guide gives an in-depth examination of biohazardous Medical disposal in Tampa, outlining best practices and key concerns for healthcare facilities.

The Importance of Proper Disposal

Proper disposal of biohazardous clinical waste offers several important advantages that make it substantial beyond regulatory compliance. First and major, it extensively reduces the danger of infection and disease transmission, protecting healthcare employees, patients, and the network from capability publicity to dangerous pathogens. By adhering to stringent disposal practices, facilities assist save you from environmental contamination, that may in any other case result in pollution of soil and water, adversely affecting wildlife and ecosystems.

Additionally, right disposal minimizes the ability for prison and financial repercussions related to regulatory non-compliance, safeguarding the facility from fines and legal movement. Overall, powerful waste control enhances public health safety, promotes environmental stewardship, and guarantees operational efficiency and compliance in the healthcare sector.

In Tampa, the control of biohazardous scientific waste is governed by both state and federal rules. The Florida Department of Health oversees the management of clinical waste, making sure that centers follow country-specific requirements. The Environmental Protection Agency (EPA) offers suggestions for dangerous waste control, which includes scientific waste. The Occupational Safety and Health Administration (OSHA) sets standards for workplace protection, which include dealing with biohazardous substances. Healthcare facilities must continue to be knowledgeable about those regulations and ensure that their waste disposal practices meet all felony necessities.

Best Practices for Biohazardous Medical Disposal in Tampa

Effective biohazardous clinical disposal entails several first-rate practices that healthcare facilities in Tampa need to enforce:

1. Segregation and Classification

Proper segregation of waste is important. Biohazardous Medical Disposal materials should be separated from ordinary trash and recyclables. Use surely categorized packing containers for extraordinary varieties of waste, along with sharps containers for needles and blades, pink baggage for regulated scientific waste, and designated boxes for chemotherapy waste. Accurate class guarantees that each waste circulated is dealt with and disposed of in step with its specific necessities.

2. Secure Handling and Storage

Safe handling and steady storage are important components of waste control. Staff needs to gain knowledge of in right coping strategies to limit publicity and save an infection. This includes the use of an appropriate non-public shielding system (PPE) and following popular running methods. Waste should be stored in stable, leak-proof packing containers, and storage areas ought to be in reality categorized with constrained access for legal employees only.

3. Timely Disposal

Scheduling regular waste pickups is essential to prevent the accumulation of waste, which reduces the danger of exposure and infection. Additionally, having contingency plans in location for dealing with spills or injuries is essential. Staff ought to learn emergency reaction techniques and have to get entry to spill kits and other important equipment.

4. Documentation and Record-Keeping

Maintaining distinct records of waste generation, storage, and disposal is critical for compliance and powerful control. This consists of monitoring the kinds and portions of waste and disposal dates. Facilities ought to additionally put together and put up required reviews to regulatory organizations and keep all compliance documentation available for auditing purposes.

5. Employee Training and Education

Ongoing schooling for staff is crucial to keep them knowledgeable approximately contemporary guidelines and excellent practices in biohazardous waste control. Awareness applications can in addition teach personnel the significance of proper waste disposal and their role in maintaining protection and compliance.

Choosing a Biohazardous Medical Waste Disposal Service

Partnering with a reputable biohazardous medical waste disposal service is critical for powerful waste management. In Tampa, healthcare facilities ought to pick out a provider that is certified and compliant with local, national, and federal policies. Consider a provider’s experience and reputation to ensure a reliable and wonderful provider. It is likewise vital to verify that the carrier issuer uses safe and environmentally accountable disposal techniques, adhering to all applicable environmental policies.

Healthcare facilities often face several demanding situations in handling biohazardous waste. Cost management is a common problem, as balancing waste disposal costs with other operational expenses may be challenging. However, investing in the right waste control practices can save you luxurious results related to incorrect disposal. Facilities may additionally battle with keeping compliance with evolving rules, highlighting the want to live informed and adapt practices as important.

Proper biohazardous clinical disposal is an essential component of healthcare facility operations in Tampa. By knowing the varieties of biohazardous waste, adhering to guidelines, and enforcing best practices, healthcare facilities can efficiently manage their waste, ensuring protection and compliance. Partnering with dependable disposal services and addressing common demanding situations will in addition beautify waste control efforts. Through those measures, healthcare centers can shield public health, contribute to environmental sustainability, and maintain regulatory compliance.

As you continue to refine your waste control techniques, knowing the nuances of safe managing practices is equally critical. For similar insights into the specific necessities and practices related to biohazardous wastes in Tampa, be sure to discover our upcoming article, Biohazardous Wastes in Tampa: What You Need to Know for Safe Handling. This subsequent installment will offer in-depth facts on the secure handling protocols and not unusual demanding situations to decorate your facility’s waste management practices. Stay tuned to make certain that your facility remains at the leading edge of safety and compliance in dealing with biohazardous wastes.

[mattywritess]

The Importance of Hiring a Drink and Drive Accident Attorney

Drinking and driving is a serious offense that can result in severe consequences, including accidents, injuries, and even death. According to the National Highway Traffic Safety Administration (NHTSA), alcohol-impaired driving fatalities accounted for approximately 3,530 of all traffic-related deaths in Florida in 2022. These statistics highlight the grave danger of driving under the influence of alcohol. If you or a loved one has been involved in a drinking and driving accident, it is crucial to seek legal representation from a qualified attorney. Ralph Sanchez, a reputable attorney in Orlando, FL, specializes in handling drink-and-drive accident cases. In this blog post, we will discuss the importance of hiring a drink and drive accident attorney and how Ralphael Sanchez can help you with your case.

The Consequences of Drink and Drive Accident Cases

Driving under the influence of alcohol is not only dangerous but also illegal. In Florida, the legal limit for blood alcohol concentration (BAC) is 0.08%. If a driver is found to have a BAC above this limit, they can face severe consequences, including fines, license suspension, and even jail time. However, the consequences of a drinking and driving accident go beyond legal penalties. These accidents often result in serious injuries, property damage, and emotional trauma. Victims of such accidents may require extensive medical treatment and rehabilitation, leading to significant financial burden.

Statistics on Drink and Drive Accidents

To understand the severity of drinking and driving accidents, let's look at some statistics:

In 2019, there were 10,142 deaths in alcohol-impaired driving crashes, accounting for 28% of all traffic-related fatalities in the US. (NHTSA)

In Florida, there were 3,530 alcohol-related crashes in 2022. (Florida Department of Highway Safety and Motor Vehicles)

The average cost of a DUI conviction is $10,000, including fines, legal fees, and increased insurance premiums. (National Highway Traffic Safety Administration)

Drivers with a BAC of 0.08% or higher are seven times more likely to be involved in a fatal crash than drivers with no alcohol in their system. (NHTSA)

These statistics highlight the seriousness of drinking and driving and the need for legal representation in such cases.

The Importance of Hiring an Accident Attorney

If you have been involved in an accident while intoxicated, it is crucial to hire a qualified attorney to handle your case. Here are some reasons why:

1. Understanding of the Legal System

An attorney has a thorough understanding of the legal system, including the laws and regulations surrounding DUI cases. They can guide you through the legal process and ensure that your rights are protected.

2. Experience in Handling Similar Cases

Attorneys who specialize in accidents while drinking and driving have experience in handling similar cases. They know the ins and outs of the legal process and can use their knowledge and expertise to build a strong case on your behalf.

3. Negotiation Skills

In many cases, an accident attorney can negotiate with the other party's insurance company to reach a fair settlement. They have the skills and experience to negotiate for the maximum compensation you deserve.

4. Gathering Evidence

Attorneys can help gather evidence to support your case, including police reports, witness statements, and medical records. They can also work with accident reconstruction experts to determine the cause of the accident and establish liability.

5. Representing You in Court

If your case goes to trial, an attorney can represent you in court. They have the necessary skills and experience to present your case effectively and fight for your rights.

How Ralph Sanchez Can Help

Ralph Sanchez is a highly experienced drink-and-drive accident attorney in Orlando, FL. He and his team have successfully represented numerous clients in such accident cases. If you have been involved in an accident, their team can help you in the following ways:

Provide a free consultation to evaluate your case and discuss your legal options.

Gather evidence to support your case, including police reports, witness statements, and medical records.

Negotiate with insurance companies to reach a fair settlement.

Represent you in court if your case goes to trial.

Fight for your rights and help you get the compensation you deserve.

Contact Ralph Sanchez

Driving under the influence of alcohol is a serious offense that can have severe consequences. If you or a loved one has been involved in an accident while drinking and driving, it is crucial to seek legal representation from a qualified attorney. Ralph Sanchez, a reputable attorney in Orlando, FL, can help you navigate the legal process and fight for your rights. Contact Ralph Sanchez at (786) 481-4059 for a free consultation. Don't let an accident while intoxicated ruin your life. Let Raphael Sanchez help you get the justice you deserve.