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gatekeeper-watchman · 3 months ago

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Our National Healthcare

I have discussed this subject before; but, especially in light of current events, I would like to discuss it again today–perhaps, even more candidly. I’ll be honest with you. If I were a member of Congress when the Patient Protection and Affordable Care Act (PPACA), aka Obama Care, was passed, I would be angry with rejectionists like the illustrious Kentucky Colonel, Mitch McConnell. That I would have voted for that bill without hesitation. Even though, however, I was, in all honesty, really not in favor of it. I say to you, as I have said to others, the law is an exercise in masturbation. I told my friends then; and, I also, wrote President Obama, telling him that, too (He, eventually, thanked me for my letter but didn’t mention the subject of healthcare). Today, four years later, I feel even more negative toward it. This law has good intentions, but it fails the people of this country. I see a train wreck coming. It is coming, and it’s going to hit hard. When it does, the American people are going to be mad as a swarm of bees. Mark my words. Don’t forget I said it, Mister Politician.

It is anything but affordable for the masses of the people; it is confusing, bordering on being unintelligible to most; and it is so complicated and expensive, that it could drive all of us, people, and government into bankruptcy. In tackling our problem of healthcare, President Obama made the same mistake as President Clinton; in his effort to be conciliatory and bipartisan with the Republican Party, he invited the major stakeholders in the medical-industrial complex to the negotiating table, assuming that consensus there would bring reform. Who are those stakeholders? They are the pharmaceutical, hospital, physician, and insurance industries–the primary focus of all of them being profits, with the interests of the people being last on their list. They not only fought the administration on this, they fought within against themselves. I ask you. Who ever heard of the customer or client coming in first on the list of any insurance company? Really!

I submit to you that healthcare is not a commodity like oil, sugar, pork bellies, credit default swaps, housing, automobiles, and so on. Healthcare is not adaptable to or compatible with the free market (a myth at best) in any way, shape, or form. Who besides the most skilled can intelligently evaluate an insurance policy; who but the most skilled physicians can evaluate the abilities of a doctor; when you need to go to the hospital, how often is it you who has the decisive choice as to where to go; and, lastly, who of you is able and has the expertise to knowledgeably determine the proper drugs you should take when you are ill? I am certainly not qualified and neither are almost all of us.

Healthcare is a need of all of us–a need we share in common. Accordingly, it should be governed in common. Healthcare is our RIGHT. How do I justify that? It is stated as such in our Declaration of Independence. We all have the right to life, liberty, and the pursuit of happiness. We should be allowed to have and enjoy that right. We need a system that will work, one we can afford, and one for which we can pay (Surely no one thinks it can be free). We need a single-payer, national healthcare system modeled after Medicare with, like the VA, the ability to negotiate prices.

Immediately! I hear someone cry socialism. In this individual instance, why should you care if it works? As one person once said, “It doesn’t matter if the cat is white or the cat is black. The cat we want is the one that catches Mice” (or something like that). A single-payer healthcare system will catch mice. If we were talking about the whole country going socialist, we would need, I would think, to sit down and have a long talk about the matter–a very long talk. In this instance, however, no one is even thinking about that. We already know socialism has failed as a whole, so this isn’t even the subject of the matter. We need a system that works for us.

Let me tell you about that word, socialism. The word socialism is inflammatory; used, primarily, to arouse and anger people to influence their minds in one direction or another. To most people, it is something bad, from which one will turn away with rejection. We hear it every day from those who don’t believe in government, usually some form of anarchists. It usually comes from those who want to control your mind and lead you in the direction they want you to go. Do you need that kind of person?

I want to call your attention to a fact of the matter. When Medicare was made into law in the 1960s, it was up and running in a year. The Patient Protection and Affordable Care Act (PPACA) was passed four years ago and still is not working, some provisions of which are being moved back even now, as we speak. Medicare, on the other hand, has been in effect for over forty years and working just fine even now. How about that? Our illustrious politicians haven’t been willing to even so much as give single-payer national healthcare a national hearing for consideration. Is that Democracy?

How should we pay for such a plan? I have given a lot of thought to the matter and changed my mind from when I first wrote about “single payer”. Please allow me to bring another issue into the picture, Social Security. This safety net, also, is moving forward to the day when our government allows it to become a national crisis. Social Security, to the best of my knowledge, is one of the most efficient, well-run programs, with the lowest costs of administration of any other government program. A big reason for this success is that the fund is “stand-alone”, “self-funding”, and not included in our general budget. In this way, it is highly controlled and does not affect our national deficit. Our biggest problem with financing this program is, in my mind, five-fold, the recession in our economy, the retirement of our “baby boom” generation, and our massive unemployment (Whereas, in the past we had more people paying than those receiving benefits, we now have less paying in–I am told only three paying in now for twelve receiving.), the aging of our people, and increasing disabled coming onto the rolls. Payments into this fund have to be increased, and cutting benefits and cost of living adjustments is unacceptable. Having said that, raising payroll taxes on employers and employees (the money is going to have to come from somewhere) will create additional hardship and political tensions no one needs or can stand just now.

Let’s now get back to the question (or issue) of single-payer healthcare. It, too, must be financed. Again, it’s not free. It will be expensive, but it will be a lot less expensive than Obamacare–a lot less. I might, also, call your attention to the fact we are not feeling the full pain of even our current healthcare expenses, as exaggerated as they are. We are paying for a lot of them “on the cuff”–it’s in our deficit. But I digress. We should administer single-payer healthcare in the same manner as we do Social Security, with a stand-alone fund into which go all receipts and out of which go all disbursements. In no way should the accounting for healthcare be mingled with the accounting for government. In no way should healthcare funding be allowed to affect our deficit. Tax rates for payments into both the healthcare and the Social Security funds should be automatically adjusted annually for any expense overruns or surpluses. So I am not confused, in no way should our stand-alone healthcare fund be co-mingled with our Social Security fund. The accounting for both must be kept completely separate and open to the public.

Now, let’s get to the question for which you have been so patiently waiting (if we have come this far and you are still with me, you must be patient). How should we pay for this? I believe we should create two separate and apart national Federal Sales Taxes, a separate sales tax for each fund. For states that presently have sales taxes, we should take advantage of their systems to prevent duplication in costs, using them for collection. For states without sales taxes, currently, they should set up a system and be reimbursed by the government for collection. These taxes should be itemized separately on every sales receipt, separate from those of the state.

In conclusion, what will we accomplish by all this?

We will have a national single-payer cradle-to-the-grave healthcare system, the cost of which will be much more acceptable to the taxpayer.

We should save trillions of dollars by eliminating insurance profits and reducing healthcare costs by allowing the government to negotiate prices (this suggestion presumes that healthcare remains private and the government is the single-payer). Additional savings should, also, be realized by increased efficiencies.

Employer and employee payroll taxes will be eliminated, a boon to both and a stimulus to the economy.

Healthcare will no longer be a “monkey” on the back of business.

The pressure for reduced work weeks will be eliminated.

Uncertainty of the future will be reduced and businesses will be better able to plan.

The adjustments and uncertainty surrounding both healthcare and Social Security will be resolved, and the tax rates will be adjusted annually.

The immense and horrendous worry by our people will be significantly reduced.

And last, but not least, hopefully our people will be more at ease and stable.

Let’s quit fighting. Let’s quit arguing and bickering and quit the politicking and put our country first. We must pull together and get the job done. Let us implement single-payer healthcare and protect our Social Security. This is just one more step in taking back our country from the “power elite”, our Shadow Government. Get with your representatives today. Unlike those of whom we spoke, above, we can’t pay them off, but we can let them know where we stand and how we vote. Respectfully, From: Steven P. Miller @ParkermillerQ, gatekeeperwatchman.org Founder of Gatekeeper-Watchman International Groups Thursday, November 2, 2023, Jacksonville, Florida., USA. X ... @ParkermillerQ Facebook: https://www.facebook.com/groups/Sparkermiller.JAX.FL.USA, Instagram: steven_parker_miller_1956, #GWIG, #GWIN, #GWINGO, #Ephraim1, #IAM, #Sparkermiller, #Eldermiller1981

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correspondencearchive · 4 years ago

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2. Natalia Nakazawa & Nazanin Noroozi

Natalia Nakazawa and Nazanin Noroozi discuss their use of archives and photographs, creating hybrid narratives, cultural transmission, and the formation of personal and cultural memories.

Natalia Nakazawa, Obtrait I, Jacquard woven textile, 71 x 53 inches, 2015, Photo credit: Jeanette May

Natalia Nakazawa: First off, Naz, how are you doing? There has been so much going on - it is far too easy to forget we have bodies. We have families, we have things we need to do, and we need to take care of ourselves. As they say, put the oxygen mask on first, and then help others. Can you maybe start by just telling us what your day looks like? What are you doing to take care of yourself?

Nazanin Noroozi: I’m doing ok. I have to balance my day job and my studio time. My day job is working in high-end interior design firms in which our clients spend millions and millions of $$$ on luxury goods. It is very interesting to look at the wage gap especially considering the pandemic. When someone can spend 40k on a coffee table for their vacation house, and you hear all the issues with the stimulus checks etc, it makes you wonder about our value system and how our society functions.

As for self-care, I guess just like any other artist, I buy tons of art supplies that I may or may not need! I just bought a heavy-duty industrial paper cutter that can cut a really thick stack of paper! I needed it! I really don't have room for it, but I bought it! So that is my method of self-care! Treat myself to things that I like but may be problematic in the future. ;)

Natalia: I recently re-watched Stephanie Syjuco’s Art21 feature online where she talks about having to actively decide to become a citizen of the US, despite having come to this country at the age of 3. One of the poignant points she brings up is how we are all reckoning right now with what it means to be “American”. She also brings up the iconic photo taken by Dorothea Lange of a large sign reading “I am an American” put up by a Japanese American in Oakland right after the declaration of internment - thinking about how citizenship can be given or taken away. This all feels very relevant right now. What do you think about these questions? How do you use archives and photos of our past to engage in these issues of belonging, citizenship, and the precarity of it all?

Nazanin: What I try to do with archives is to question them as modes of cultural transmission and historical memory. I think many artists deal with archives in a more clinical and objective manner, whereas I like to add my own agency to these found photographs. When one looks at a family album or found footage, one is already looking at fragmented narratives. You never know a whole story when you look at your friend’s old family albums. I truly embrace this fragmented, broken narrative and try to make it my own. I also constantly move back and forth between still and moving images, printmaking and painting, experimental films and artist books. So there is this hybridity in the nature of found footage itself that I try to activate in my work. In these works handmade cinema is used as a medium to re-create an already broken narrative told by others, sometimes complete strangers to tell stories about trauma and displacement. That is what fascinates me about archives. The fact that you can recreate your story and make a new fictional alt-reality.

Nazanin Noroozi, Self Portrait

Natalia: But who is to say these if fictional alt-realities are less important or less serious than purely “art historical” narratives? One of the things that I am exploring in my work is giving space for slippages in memory, rearranging of timelines to accommodate a lived experience. What happens when we look at collections - even museum collections - with the same warmth, tenderness, and care that we would an old friend? What possibilities are dislodged there? What benefit is there to towing the status quo - which is built on white supremacy, stolen artifacts, and other types of lying, exclusion and dubious authoritative storytelling? Also, there are so many family histories that often become reified - being told and retold with certainty over and over again. How do we claim agency from that oppressive knowledge? The things we tell ourselves about our families may not be “true” so what do we risk by revisiting our archives and re-telling those histories through our current eyes? When we re-examine the history - we may discover new ways of seeing and being with ourselves.

Nazanin: I like to think of photographs as sites of refuge. When you look at a photograph of a kid’s birthday from many years ago, you know for fact that this joyous moment is long gone. These mundane moments that bring you “happiness” and security won't last. It’s like “all that is solid melts into air”. In a larger picture, isn't everything in life fragile and fleeting and there is absolutely no certainty in life? For example, look at how Covid has changed our “normal everyday” life. A simple birthday party for your kid was unimaginable for months. In “Purl” and “Elite 1984” I mix these mundane moments with images of flood, natural disasters and other forces of nature to talk about fragile states of being and ideas of home. I digitally and manually manipulate footages of a stormy Caspain Sea, Mount Damavand or a glacier melt to ask my questions about failure or resistance, you know? I let the images tell me the new narrative, both visually and thematically.

Something I find really interesting in your work is how you re-create these alt-realities by actively and physically engaging your audience into participating in your work, like your textile maps - called Our Stories of Migration? Do you have any fear that they may tell a story you don't like? Or take your work to a place that you didn't anticipate? How do you deal with an open-ended artwork that is finished but it needs an audience to be complete?

Natalia Nakazawa, Our Stories of Migration, Jaquard woven textiles, hand embroidery, shisha mirrors, beetle wings, beads, yarn, 36 x 16 feet, 2020, Photo credit: Vanessa Albury

Natalia: I am always stunned by the generosity of the people I meet - those who dive in and share their own histories - and I think it points to a universal need of ours to share and connect. There is always potential to create intimacy - even within the walls of large institutions, such as schools or museums - when our own lives are placed at the center with care and concern. I’ve never heard a story that didn’t make me pause and grant me more space for contemplating the complexity of being a human on this planet. We have all kinds of mechanisms for memory - archives, written diaries, photos, paintings, objects - but at the end of the day they are nothing without our active participation. Quite literally they are meaningless unless they are being interacted with. That has been the entry point for me, as an artist and educator. How do we take all of these things that exist in the material world and make sense out of them? What does the process of “making sense” do to the way we live TODAY? Or, perhaps, how we envision the future? It is almost like a yoga practice, a stretching of the mind, a flexibility to think backwards and forwards - that lends us more space to consider the present.

Nazanin: Yeah! I think you really are on point here! I think we really can't understand our existence without retelling the history and recreating new realities.

Nazanin Noroozi, The Rip Tide

Natalia: Thank you, Nazanin! Anything coming up for you that you want to mention?

Nazanin: Yes, I am actually doing a really amazing residency at Westbeth for a year. This is an incredible opportunity as I get to live in the Village for one year and have a live-work space in such an amazing place. Westbeth is home to many wonderful artists!

Natalia Nakazawa, History has failed us...but no matter, Jacquard textiles, laser cut Arches watercolor paper, vinyl, jewels, concentrated watercolor and acrylic on wood panel, 40 x 90 inches, 2019, Photo credit: Jeanette May

Natalia Nakazawa is a Queens-based interdisciplinary artist working across the mediums of painting, textiles, and social practice. Utilizing strategies drawn from a range of experiences in the fields of education, arts administration, and community activism, Natalia negotiates spaces between institutions and individuals, often inviting participation and collective imagining. Natalia received her MFA in studio practice from California College of the Arts, a MSEd from Queens College, and a BFA in painting from the Rhode Island School of Design. She has recently presented work at the Arlington Arts Center (Washington, DC), Transmitter Gallery (Brooklyn, NY), Wassaic Project (Wassaic, NY), Museum of Arts and Design (New York, NY), and The Metropolitan Museum of Art (New York, NY). Natalia was an artist in residence at MASS MoCA, SPACE on Ryder Farm, The Children’s Museum of Manhattan, Wassaic Project, and Triangle Arts.

www.natalianakazawa.com @nakazawastudio

Nazanin Noroozi is a multimedia artist incorporating moving images, printmaking and alternative photography processes to reflect on notions of collective memory, displacement and fragility. Noroozi’s work has been widely exhibited in both Iran and the United States, including the Immigrant Artist Biennial, Noyes Museum of Art, NY Live Arts, Prizm Art Fair, and Columbia University. She is the recipient of awards and fellowships from the Artistic Freedom Initiative, Elizabeth Foundation for the Arts, NYFA IAP 2018, Mass MoCA Residency, North Adams, MA and Saltonstall Foundation for the Arts Residency, NY. She is an editor at large of Kaarnamaa, a Journal of Art History and Criticism. Noroozi completed her MFA in painting and drawing from Pratt Institute. Her works have been featured in various publications and media including BBC News Persian, Elephant Magazine, Financial Times, and Brooklyn Rail.

www.nazaninnoroozi.net @nazaninnoroozi

#natalianakazawanazaninnoroozi #natalianakazawa #nazaninnoroozi

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kevinbingham · 5 years ago

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“Not every liberal is the same, though the majority of liberals I know think along roughly these same lines”

https://www.facebook.com/thethinker42/posts/10155931022478700

Lori Gallagher Witt

January 7, 2018

An open letter to friends and family who are/were shocked to discover I'm a liberal...

This is going to be VERY long, so: TL;DR: I'm a liberal, I've always been a liberal, but that doesn't mean what a lot of you apparently think it does.

Some of you suspected. Some of you were shocked. Many of you have known me for years, even the majority of my life. We either steadfastly avoided political topics, or I carefully steered conversations away from the more incendiary subjects in the name of keeping the peace. "I'm a liberal" isn't really something you broadcast in social circles where "the liberals" can't be said without wrinkling one's nose.

But then the 2016 election happened, and staying quiet wasn't an option anymore. Since then, I've received no shortage of emails and comments from people who were shocked, horrified, disappointed, disgusted, or otherwise displeased to realize I am *wrinkles nose* a liberal. Yep. I'm one of those bleeding heart commies who hates anyone who's white, straight, or conservative, and who wants the government to dictate everything you do while taking your money and giving it to people who don't work.

Or am I?

Let's break it down, shall we? Because quite frankly, I'm getting a little tired of being told what I believe and what I stand for. Spoiler alert: Not every liberal is the same, though the majority of liberals I know think along roughly these same lines.

1. I believe a country should take care of its weakest members. A country cannot call itself civilized when its children, disabled, sick, and elderly are neglected. Period.

2. I believe healthcare is a right, not a privilege. Somehow that's interpreted as "I believe Obamacare is the end-all, be-all." This is not the case. I'm fully aware that the ACA has problems, that a national healthcare system would require everyone to chip in, and that it's impossible to create one that is devoid of flaws, but I have yet to hear an argument against it that makes "let people die because they can't afford healthcare" a better alternative. I believe healthcare should be far cheaper than it is, and that everyone should have access to it. And no, I'm not opposed to paying higher taxes in the name of making that happen.

3. I believe education should be affordable and accessible to everyone. It doesn't necessarily have to be free (though it works in other countries so I'm mystified as to why it can't work in the US), but at the end of the day, there is no excuse for students graduating college saddled with five- or six-figure debt.

4. I don't believe your money should be taken from you and given to people who don't want to work. I have literally never encountered anyone who believes this. Ever. I just have a massive moral problem with a society where a handful of people can possess the majority of the wealth while there are people literally starving to death, freezing to death, or dying because they can't afford to go to the doctor. Fair wages, lower housing costs, universal healthcare, affordable education, and the wealthy actually paying their share would go a long way toward alleviating this. Somehow believing that makes me a communist.

5. I don't throw around "I'm willing to pay higher taxes" lightly. I'm self-employed, so I already pay a shitload of taxes. If I'm suggesting something that involves paying more, that means increasing my already eye-watering tax bill. I'm fine with paying my share as long as it's actually going to something besides lining corporate pockets or bombing other countries while Americans die without healthcare.

6. I believe companies should be required to pay their employees a decent, livable wage. Somehow this is always interpreted as me wanting burger flippers to be able to afford a penthouse apartment and a Mercedes. What it actually means is that no one should have to work three full-time jobs just to keep their head above water. Restaurant servers should not have to rely on tips, multibillion dollar companies should not have employees on food stamps, workers shouldn't have to work themselves into the ground just to barely make ends meet, and minimum wage should be enough for someone to work 40 hours and live.

7. I am not anti-Christian. I have no desire to stop Christians from being Christians, to close churches, to ban the Bible, to forbid prayer in school, etc. (BTW, prayer in school is NOT illegal; *compulsory* prayer in school is - and should be - illegal) All I ask is that Christians recognize *my* right to live according to *my* beliefs. When I get pissed off that a politician is trying to legislate Scripture into law, I'm not "offended by Christianity" -- I'm offended that you're trying to force me to live by your religion's rules. You know how you get really upset at the thought of Muslims imposing Sharia on you? That's how I feel about Christians trying to impose biblical law on me. Be a Christian. Do your thing. Just don't force it on me or mine.

8. I don't believe LGBT people should have more rights than you. I just believe we should have the *same* rights as you.

9. I don't believe illegal immigrants should come to America and have the world at their feet, especially since THIS ISN'T WHAT THEY DO (spoiler: undocumented immigrants are ineligible for all those programs they're supposed to be abusing, and if they're "stealing" your job it's because your employer is hiring illegally.). I'm not opposed to deporting people who are here illegally, but I believe there are far more humane ways to handle undocumented immigration than our current practices (i.e., detaining children, splitting up families, ending DACA, etc).

10. I believe we should take in refugees, or at the very least not turn them away without due consideration. Turning thousands of people away because a terrorist might slip through is inhumane, especially when we consider what has happened historically to refugees who were turned away (see: MS St. Louis). If we're so opposed to taking in refugees, maybe we should consider not causing them to become refugees in the first place. Because we're fooling ourselves if we think that somewhere in the chain of events leading to these people becoming refugees, there isn't a line describing something the US did.

11. I don't believe the government should regulate everything, but since greed is such a driving force in our country, we NEED regulations to prevent cut corners, environmental destruction, tainted food/water, unsafe materials in consumable goods or medical equipment, etc. It's not that I want the government's hands in everything -- I just don't trust people trying to make money to ensure that their products/practices/etc are actually SAFE. Is the government devoid of shadiness? Of course not. But with those regulations in place, consumers have recourse if they're harmed and companies are liable for medical bills, environmental cleanup, etc. Just kind of seems like common sense when the alternative to government regulation is letting companies bring their bottom line into the equation.

12. I believe our current administration is fascist. Not because I dislike them or because I'm butthurt over an election, but because I've spent too many years reading and learning about the Third Reich to miss the similarities. Not because any administration I dislike must be Nazis, but because things are actually mirroring authoritarian and fascist regimes of the past.

13. I believe the systemic racism and misogyny in our society is much worse than many people think, and desperately needs to be addressed. Which means those with privilege -- white, straight, male, economic, etc -- need to start listening, even if you don't like what you're hearing, so we can start dismantling everything that's causing people to be marginalized.

14. I believe in so-called political correctness. Not because everyone is a delicate snowflake, but because as Maya Angelou put it, when we know better, we do better. When someone tells you that a term or phrase is more accurate/less hurtful than the one you're using, you now know better. So why not do better? How does it hurt you to NOT hurt another person? Your refusal to adjust your vocabulary in the name of not being an asshole kind of makes YOU the snowflake.

15. I believe in funding sustainable energy, including offering education to people currently working in coal or oil so they can change jobs. There are too many sustainable options available for us to continue with coal and oil. Sorry, billionaires. Maybe try investing in something else.

I think that about covers it. Bottom line is that I'm a liberal because I think we should take care of each other. That doesn't mean you should work 80 hours a week so your lazy neighbor can get all your money. It just means I don't believe there is any scenario in which preventable suffering is an acceptable outcome as long as money is saved.

So, I'm a liberal.

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plantaardigegezichtsverzorg-blog · 4 years ago

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Working with a Home Health Care Employee

Plantaardige gezichtsverzorging

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Working with a Home Health Care Employee

Supplying the primary care for an older loved one can be difficult. When you are unable to deliver all the elder treatment yourself and support via friends, family, and neighborhood organizations is not enough, it could be useful to hire a home medical care worker. He or she can offer proper care from a few hours a week for you to 24 hours a day, and can provide a great many other helpful services. Types of in-home health care services include:

Overall health Management like administration associated with medication or other topical treatments Personal care such as showering, oral hygiene, dressing, and also shaving Nutrition help just like preparing meals, assisting ingesting, and grocery shopping Homemaking expert services including laundry, dishwashing, and lightweight housework Companionship for example looking at to the senior or getting them on walks

Prospecting and Interviewing Applicants

There are numerous avenues for hiring a house health care employee. Generally, residence health care workers can be chosen directly or through an firm. Home health care agencies frequently have a staff that includes social personnel and nurses that will control your care. However choosing an independent home health care member of staff is generally more cost effective, it will also offer you more control over the form of care you receive.

Senior property care workers should be cautiously screened for proper exercising, qualifications, and temperament. Totally discuss the needs of the parent care recipient during job interview with a prospective home healthcare employee. There should be a composed copy the job description as well as the type of experience you are looking for.

Sources

Have applicants fill out a jobs form that includes the following data:

Full name Address Phone number Time of birth Social Security number Informative background Work history

Just before hiring, you should ask to choose the senior home care worker's licenses and certificates, when applicable, and personal identification which includes their social security credit card, driver's license, or photo IDENTITY.

References should be checked out carefully. Prospective employees should give the employer with names, schedules of employment, and cell phone numbers of previous employers as well as how to contact them. It is best to discuss directly to previous employers, instead of9124 to accept letters of advice. Also ask the consumer to provide or sign down on conducting a court records check

Special Points to Consider

Ensure the person you are considering hiring can really carry out the tasks the folk care recipient requires, for instance transferring the senior to help and from a wheelchair or maybe bed. Training may be obtainable, but make sure the staff completes the training successfully just before hiring him or her.

No one really should be hired on a seven-day-a-week schedule. Even the most dedicated staff will soon burn out. All personnel need some time to take care of their private needs. No worker ought to be on call 24-hours a day. In the event the elder care recipient desires frequent supervision or attention during the night, a family member or next home health care worker must be able to help out or fill in.

Live-in assistance may seem to be far more convenient and economic than by the hour or per-day employees yet there can be drawbacks. Food and accommodations costs must be calculated to the total cost of care, and it also could be difficult to dismiss an individual without immediate housing choices. If you decide to utilize a live-in agreement, the employee should have his own lifestyle quarters, free time, and enough sleep.

Job Expectations along with Considerations

Before hiring a senior citizen home health care worker, you ought to go over the tasks you expect them how to perform and other issues, including promptness, benefits, pay scale, getaways, vacations, absences, and warning announcement time needed for either boss or employee before career is terminated. If you job and are heavily dependent on your house health care worker, emphasize the significance of being informed as soon as possible if they is going to be late or lacking so that you can make alternative preparations. Be clear about notification necessary for time off, or what to do in case the home health care worker activities a personal emergency that requires these phones abruptly leave work. You should have a backup list of close friends, family, other home health care workers, or a home medical agency you can call on.

Be apparent, be plain, be manifest about issues concerning earnings, payment schedule, and repayment or petty cash cash for out of pocket expenditures.

You should spend the day with all the home health care worker in the first day to make sure you happen to be both in agreement over the way to carry out daily tasks. It could also be helpful to supply the household health care worker with a set of information on the elder treatment recipient such as: special diet plans, likes, dislikes, mobility difficulties, health issues, danger signs to be able to, possible behavior problems in addition to accompanying coping strategies, treatment schedule, therapeutic exercises, eye-glasses, dentures, and any prosthetics.

You should also provide the following facts to your home health care worker: your current contact information, emergency contacts, safety precautions and access to tips, clothing, and locations regarding washing/cleaning supplies, medical products, light bulbs, flashlights, fuse field, and other important household things.

Transportation

Another big thing to consider in hiring a senior house care worker is just how he or she is going to get to do the job. If they do not have a reliable auto or access to public transportation, then you might want to consider using the services of someone to drive him or her, that will be more economical than using taxis. Inform your insurance company in the event the home health care worker will probably drive your car when looking after the senior. Your insurance firm will perform the necessary generating background checks. If the home health-related worker is using his or her car or truck to drive the elder proper care recipient, then discuss use of his / her car, and conduct a new driving background check.

Insurance as well as Payroll

Check with an insurer about the proper coverage for the worker in your home.

Make sure each of the proper taxes are being sucked from the employee's check simply by contacting the Internal Revenue Services, state treasury department, public security, and the labor section. If you do not want to deal with typically the complexities of the payroll withholdings yourself, than you can work with a payroll company for just a fee.

Even if your home medical care worker is working as being a contractor, you are still compelled to report the earnings into the IRS. Talk to your accountant as well as financial adviser about making certain you are following IRS principles.

Ensuring Security

You should guard your private papers and also valuables in a locked record cabinet, safe deposit pack, or safe. If you are struggling to pick up your mail on a regular basis, have someone you rely on do it, or have it provided for a post box. You must check the phone bill with regard to unusual items or not authorized calls. You should put the block on your phone regarding 900 numbers, collect telephone calls, and long-distance calls.

Retain checkbooks and credit cards closed up. Review credit card along with bank statements on a monthly basis, in addition to periodically request credit reports by credit reporting agencies. Lock up beneficial possessions or keep a listing of items accessible to people employed in the house.

You can help to stop elder abuse to your family by:

Make sure the home healthcare worker thoroughly understands their responsibilities, the elder attention recipient's medical problems as well as limitations, and how to cope with nerve-racking situations. Do not overburden the house health care worker. Encourage visibility over potential problems.

Listed below are possible signs of elder mistreatment or neglect:

Personality adjustments Crying, whimpering, or neglecting to talk Sloppy appearance Inadequate personal hygiene Disorganized or even dirty living conditions Signs of incorrect sedation, such as confusion, or perhaps excessive sleeping Mysterious craters, pressure sores, fractures, or maybe burns Weight loss

If you suppose abuse, act immediately. Tend not to wait until the situation turns sad. Investigate the situation by talking towards the elder care recipient inside a safe situation, or put in monitoring equipment. Examples of violent behavior include yelling, harmful, or over controlling behavior that may involve isolating the elderly from others. If the circumstance is serious, you should affect the home health care worker as soon as possible. If you fear the anticipatory care recipient is in threat, he or she should be separated from your household health care worker as soon as possible. Position the elder care recipient which has a trusted relative or in a respite care facility. Make sure your mate is safe before confronting the property health care worker, especially if there exists concern about retaliation.

Review the situation to Adult Shielding Services after ensuring the security of the elder care person. The police should be contacted regarding serious neglect, such as lovemaking abuse, physical injury, as well as misuse of funds.

Supervisory a Home Health Care Worker

What is important to remember after hiring a residence health care worker is to keep your lines of communication wide open. You should explain the job obligations clearly, and your responsibilities for the home health care worker. Remember that the home health care worker will there be for the elder care individual and not the rest of the family. Regarding live-in arrangements, the maximum amount involving privacy should be set up for that home health care worker's dwelling quarters. Meetings should be create on a regular basis to assure that danger is nipped in the bud. When conflicts cannot be resolved following repeated attempts, than it's terminate the employee. In such a case, you could have to either place the older care recipient in a breastfeeding home temporarily or get a home health care worker by using an agency. Reserve funds must be kept on hand in the case connected with such an emergency.

General Qualification Requirements for Home Proper care Benefits

Hiring a home medical worker directly is usually cheaper than hiring through a property health care agency; but if the parent care recipient is suitable and you wish to use the assistance of Medicare, you must hire anyone through a certified home health-related agency. For the senior affected person to be eligible, three or maybe more services must be ordered by the physician. Other factors or qualification are the required need for competent nursing assistance, or one of many following therapies: physical, presentation or occupational. The folk care recipient's medical requirements will determine asset and also income requirements.

Hiring Property Health Care Workers through Household Health Care Agencies versus Separately

Different health professionals can determine the elder care recipient's requires. A nurse or societal worker can help with design and style and coordination of a household care plan. Your health care manager, doctor, or relieve planner can help with solutions being covered by Medicare. They often help make the arrangements along with a home care agency.

It is best to ask the home health care business how they supervise their staff members, and what kind of training their particular employees receive. Find out often the procedures for when a worker does not show up. Also enquire about the fee schedule and exactly it covers, there may be any sliding fee schedule. Moreover, find out if they have a policy intended for minimum or maximum several hours. Ask the agency when there are any limitations around the types of tasks performed.

Particularly if you have to pay for the care providers yourself, find out if there are virtually any hidden costs such as vehicles. If all the costs to get hiring a care worker via an agency become too much, you might like to consider hiring directly.

Selecting independent home health care individuals is not only more economical than having an agency, but it also allows a lot more direct control over the anticipatory care.

References Health care https://en.wikipedia.org/wiki/Health_care

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tweetybird-101 · 6 years ago

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1. I believe a country should take care of its weakest members. A country cannot call itself civilized when its children, disabled, sick, and elderly are neglected. Period.

5. I don't throw around "I'm willing to pay higher taxes" lightly. If I'm suggesting something that involves paying more, well, it's because I'm fine with paying my share as long as it's actually going to something besides lining corporate pockets or bombing other countries while Americans die without healthcare.

6. I believe companies should be required to pay their employees a decent, livable wage. Somehow this is always interpreted as me wanting burger flippers to be able to afford a penthouse apartment and a Mercedes. What it actually means is that no one should have to work three full-time jobs just to keep their head above water. Restaurant servers should not have to rely on tips, multibillion-dollar companies should not have employees on food stamps, workers shouldn't have to work themselves into the ground just to barely make ends meet, and minimum wage should be enough for someone to work 40 hours and live.

7. I am not anti-Christian. I have no desire to stop Christians from being Christians, to close churches, to ban the Bible, to forbid prayer in school, etc. (BTW, prayer in school is NOT illegal; *compulsory* prayer in school is - and should be - illegal). All I ask is that Christians recognize *my* right to live according to *my* beliefs. When I get pissed off that a politician is trying to legislate Scripture into law, I'm not "offended by Christianity" -- I'm offended that you're trying to force me to live by your religion's rules. You know how you get really upset at the thought of Muslims imposing Sharia law on you? That's how I feel about Christians trying to impose biblical law on me. Be a Christian. Do your thing. Just don't force it on me or mine.

8. I don't believe LGBT people should have more rights than you. I just believe they should have the *same* rights as you.

9. I don't believe illegal immigrants should come to America and have the world at their feet, especially since THIS ISN'T WHAT THEY DO (spoiler: undocumented immigrants are ineligible for all those programs they're supposed to be abusing, and if they're "stealing" your job it's because your employer is hiring illegally). I'm not opposed to deporting people who are here illegally, but I believe there are far more humane ways to handle undocumented immigration than our current practices (i.e., detaining children, splitting up families, ending DACA, etc).

10. I don't believe the government should regulate everything, but since greed is such a driving force in our country, we NEED regulations to prevent cut corners, environmental destruction, tainted food/water, unsafe materials in consumable goods or medical equipment, etc. It's not that I want the government's hands in everything -- I just don't trust people trying to make money to ensure that their products/practices/etc. are actually SAFE. Is the government devoid of shadiness? Of course not. But with those regulations in place, consumers have recourse if they're harmed and companies are liable for medical bills, environmental cleanup, etc. Just kind of seems like common sense when the alternative to government regulation is letting companies bring their bottom line into the equation.

11. I believe our current administration is fascist. Not because I dislike them or because I can’t get over an election, but because I've spent too many years reading and learning about the Third Reich to miss the similarities. Not because any administration I dislike must be Nazis, but because things are actually mirroring authoritarian and fascist regimes of the past.

12. I believe the systemic racism and misogyny in our society is much worse than many people think, and desperately needs to be addressed. Which means those with privilege -- white, straight, male, economic, etc. -- need to start listening, even if you don't like what you're hearing, so we can start dismantling everything that's causing people to be marginalized.

13. I am not interested in coming after your blessed guns, nor is anyone serving in government. What I am interested in is sensible policies, including background checks, that just MIGHT save one person’s, perhaps a toddler’s, life by the hand of someone who should not have a gun. (Got another opinion? Put it on your page, not mine).

14. I believe in so-called political correctness. I prefer to think it’s social politeness. If I call you Chuck and you say you prefer to be called Charles I’ll call you Charles. It’s the polite thing to do. Not because everyone is a delicate snowflake, but because as Maya Angelou put it, when we know better, we do better. When someone tells you that a term or phrase is more accurate/less hurtful than the one you're using, you now know better. So why not do better? How does it hurt you to NOT hurt another person?

16. I believe that women should not be treated as a separate class of human. They should be able to make choices regarding their own bodies without interference by the government or their employers. They should be paid the same as men who do the same work, should have the same rights as men and should be free from abuse. Why on earth shouldn’t they be?

“So, I'm a liberal.”"

(This was copied and pasted. I think it is so well said.)(This was copied from Facebook so if anyone knows who the original poster is please tell me. So they can get credit.)

#liberal #democrats #politics #sorry for the political post #this is important

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gatekeeper-watchman · 1 year ago

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Our National Healthcare

I have discussed this subject before; but, especially in light of current events, I would like to discuss it again today–perhaps, even more candidly. I’ll be honest with you. If I were a member of Congress when the Patient Protection and Affordable Care Act (PPACA), aka Obama Care, was passed, I would be angry with rejectionists like the illustrious Kentucky Colonel, Mitch McConnell. That I would have voted for that bill without hesitation. Even though, however, I was, in all honesty, really not in favor of it. I say to you, as I have said to others, the law is an exercise in self-gratification. I told my friends then; and, I also, wrote President Obama, telling him that, too (He, eventually, thanked me for my letter but didn’t mention the subject of healthcare). Today, four years later, I feel even more negative toward it. This law has good intentions, but it fails the people of this country. I see a train wreck coming. It is coming, and it’s going to hit hard. When it does, the American people are going to be mad as a swarm of bees. Mark my words. Don’t forget I said it, Mister Politician.

Healthcare is a need of all of us–a need we share in common. Accordingly, it should be governed in common. Healthcare is our RIGHT. How do I justify that? It is stated as such in our Declaration of Independence. We all have the right to life, liberty, and the pursuit of happiness. We should be allowed to have and enjoy that right. Furthermore, we require a system that will work, one we can afford, and one for which we can pay (Surely no one thinks it can be free). We also require a single-payer, national healthcare system modeled after Medicare with, like the VA, the ability to negotiate prices.

Let me tell you about that word, socialism. The word socialism is inflammatory; used, primarily, to arouse and anger people to influence their minds in one direction or another. To most people, it is something bad, from which one will turn away with rejection. We hear it every day from those who don’t believe in government, usually some form of anarchists. It often comes from those who want to control your mind and lead you in the direction they want you to go. Do you need that kind of person?

How should we pay for such a plan? I have given a lot of thought to the matter and changed my mind from when I first wrote about “single payer”. Please allow me to bring another issue into the picture, Social Security. This safety net, also, is moving forward to the day when our government allows it to become a national crisis. Social Security, to the best of my knowledge, is one of the most efficient, well-run programs, with the lowest costs of administration of any other government program. A big reason for this success is that the fund is “stand-alone”, “self-funding”, and not included in our general budget. In this way, it is highly controlled and does not affect our national deficit. Our biggest problem with financing this program is, in my mind, five-fold. The recession in our economy, the retirement of our baby boom generation, and our massive unemployment. Whereas, in the past we had more people paying than those receiving benefits, we now have less paying in-I am told only three paying in now for twelve receiving. The aging of our people, and increasing disabled coming onto the rolls. Payments into this fund have to be increased, and cutting benefits and cost of living adjustments is unacceptable. Having said that, raising payroll taxes on employers and employees (the money is going to have to come from somewhere) will create additional hardship and political tensions no one needs or can stand just now.

Let’s now get back to the question (or issue) of single-payer healthcare. It, too, must be financed. Again, it’s not free. It will be expensive, but it will be a lot less expensive than Obamacare–a lot less. I might, also, call your attention to the fact we are not feeling the full pain of even our current healthcare expenses, as exaggerated as they are. We are paying for a lot of them “on the cuff”–it’s in our deficit. But I digress. We should administer single-payer healthcare in the same manner as we do Social Security, with a stand-alone fund into which go all receipts and out of which go all disbursements. In no way should the accounting for healthcare be mingled with the accounting for government. In no way should healthcare funding be allowed to affect our deficit. Tax rates for payments into both the healthcare and the Social Security funds should be automatically adjusted annually for any expense overruns or surpluses. So, I am not confused, in no way should our stand-alone healthcare fund be co-mingled with our Social Security fund. The accounting for both must be kept completely separate and open to the public.

Now, let’s get to the question for which you have been so patiently waiting (if we have come this far, and you are still with me, you must be patient). How should we pay for this? I believe we should create two separate and apart national Federal Sales Taxes, a separate sales tax for each fund. For states that presently have sales taxes, we should take advantage of their systems to prevent duplication in costs, using them for collection. For states without sales taxes, currently, they should set up a system and be reimbursed by the government for collection. These taxes should be itemized separately on every sales receipt, separate from those of the state.

In conclusion, what will we accomplish by all this?

We will have a national single-payer cradle-to-the-grave healthcare system, the cost of which will be much more acceptable to the taxpayer.

We should save trillions of dollars by eliminating insurance profits and reducing healthcare costs by allowing the government to negotiate prices (this suggestion presumes that healthcare remains private, and the government is the single-payer). Additional savings should, also, be realized by increased efficiencies.

Employer and employee payroll taxes will be eliminated, a boon to both and a stimulus to the economy.

Healthcare will no longer be a “monkey” on the back of business.

The pressure for reduced work weeks will be eliminated.

Uncertainty of the future will be reduced and businesses will be better able to plan.

The adjustments and uncertainty surrounding both healthcare and Social Security will be resolved, and the tax rates will be adjusted annually.

The immense and horrendous worry by our people will be significantly reduced.

And last, but not least, hopefully our people will be more at ease and stable.

Let’s quit fighting. Let’s quit arguing, bickering and quit the politicking and put our country first. We must, pull together and get the job done and stop acting like children. Let us implement single-payer healthcare and protect our Social Security. This is just one more step in taking back our country from the “power elite”, our Shadow Government. Get with your representatives today. Unlike those of whom we spoke, above, we can’t pay them off, but we can let them know where we stand and how we vote. Respectfully, From: Steven P. Miller @ParkermillerQ, gatekeeperwatchman.org Founder of Gatekeeper-Watchman International Groups Thursday, November 2, 2023, Jacksonville, Florida., USA. X ... @ParkermillerQ Facebook: https://www.facebook.com/groups/Sparkermiller.JAX.FL.USA, Instagram: steven_parker_miller_1956, #GWIG, #GWIN, #GWINGO, #Ephraim1, #IAM, #Sparkermiller, #Eldermiller1981

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tessatechaitea · 7 years ago

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DC House of Horror #1, Part Two (AKA A Review of Netflix’s The Mist)

It looks like Batman is fucking Flash while Flash fucks Green Lantern while Green Lantern, covered in semen, jerks off a candle.

Here, a woman smells her fingers for some mysterious and sexy reason.

I'm sorry for that previous caption! The only reason I said it was probably sexy was because she is a woman and I'm objectifying her. I smell my fingers for decidedly non-sexy reasons all the time! If anybody is interested in my life away from my blog, you can visit me intellectually debating the guys at the weird science comic book review blog on their review of Deadman #1. I'd forgotten that they were supposed to be my nemeses! But I remembered! Oh how I remembered! The woman smelling her fingers has been possessed by Wonder Woman because she took part in a Milton Bradly sponsored seance.

See?! You probably thought I was being facetious about the chewing testicles part! It's a known fact!

It's too bad I just scanned two images so closely together because the next page contains a nipple and a bare butt! The nipple is in shadow but you can still see the shape of it! I don't know why I'm using an exclamation point for that revelation. Back in the pre-Internet days, it would have been a glorious find for a young kid. But now, it's as tame as if the panel depicted a basket of kittens. The girl possessed by Wonder Woman kills all of her friends and everybody she meets before getting home and killing her abusive father. She also says a bunch of stuff in Greek. I bet she's saying things like, "I'm here to kick ass and chew testicles! Mmm! So good!" Nope. I was wrong. The first thing Wonder Woman says after possessing the girl is "Where am I, witches?" Then she kills the witches. Later after her killing the girl's dad, she says, "The world of man is Hell. It is going to be a glorious war." Man's World Rating: Are these stories horrific? I guess so. Imagine if Superman were a confused toddler scared out of his wits when he arrived on Earth? He probably would kill everybody by accident in his fits of terror. And Wonder Woman suddenly coming to man's world without any context except what she's been told about why the Amazons can't leave the island? She'd be ready for some serious clean up! And she only killed the women at the beginning because they were obviously witches. Some women, you just can't trust. So you get what we had here in this story. I don't like it any more than you women.

#The Mist #Netflix #DC Comics #House of Horror

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bronzerandlouboutins-blog · 6 years ago

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5 Ways to Find Jobs Online Without Using a Job Board - The Muse

From the foregoing, it is evident that using the conventional techniques in your job search will not land you the desired job. It is only when combined with the unconventional techniques that you get the desired result. This is because while the traditional job search techniques focus on the visible job market, theses tactics penetrate the hidden job market or those jobs that are either not yet available or virtually unknown. You should therefore stop making the same mistakes most job hunters are making by making use of these unconventional tactics. Job Search Tip #2: Say nothing. Never talk about being out of work or underemployed. The surest way to never get a job, is to never ask for one. The second surest way to fail a job search is to never mention to people you know that you'd like a job. If you really want to mess up your life, stay in your house and pull the curtains on the world. A job search website cannot, of course, guarantee you a job--not even a paid subscription service like TheLadders, but they may help you get your foot into the door. Think of them as your back-up plan, and spend the majority of energy on the important building blocks of the career search process: career assessment, career research, and mapping out an effective job search.

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What therefore are those actions a potential employee needs to take to make a success of his or her job search? What are the necessary steps to be taken to make job seeking result oriented rather than mere action? My experience as an HR expert has shown that the following are the steps you should take to take you from a mere job seeker to a potential employee. Spread The Word About 5 Ways to Find Jobs Online Without Using a Job Board - The Muse. It is important also to make a follow up on your job search after you might have attended the interview. You need to thank everyone that might have made your invitation possible and endeavor to convince them that you are interested in the job and will be perfect for it if selected. In order to get the attention of an employer who is not advertising a job opening, don't simply send a meek inquiry to HR requesting consideration for a job that doesn't exist. That approach almost always fails.

Currently Interviewing for:

Database Administrator

It Systems Administrator

Systems Software Engineer

It Manager

Real Estate Appraiser

Credit Manager

Indeed.com and SimplyHired.com don't offer their own content. Instead they pull listings from all the major job search websites, company websites and newspapers, and display them in a page of search results. This can be very helpful. In seconds you can get a good idea of your options and what's available. Just don't expect a site like this to offer any kind of personalized service. It's not what they do. Too many job seekers find themselves weeks or months past the time when they expect to be hired and started at a solid, career-level, employment position. If that description sounds anything like your circumstances, then pay attention to the following tactics that often jump-start and move ahead a job search onto the employment superhighway. Jean works with individual leaders to maximize transitional situations and with organizations to build expandable, results oriented HR and management practices. Currently, Jean's business finds her traveling to VA to work with Military personnel in transition. The focus is to enhance their understanding of what today's employers expect candidates to know and to do in all aspects of the employment cycle. Workshops that provide the tools and techniques to accomplish this are held at the Marine Corps base at Quantico, Virginia.

Related Searches:

'How to Effectively Use a Facebook Job Online Search | TopResume'

'Search for Jobs Online – Upwork Help Center'

'State of Oregon: Job Online Seekers - Find a Job - Oregon.gov'

'How To Find Cruise Ship Jobs Online: The Ultimate Guide - Goats On The Road'

'How to find a job Online in Australia? - Respall Migration Australia'

'How To Find A Job Online In 2019 - 5 Easy Ways - Novoresume'

By writing down all the jobs you applied for, you are aware. Keep in mind the date. If a company post a job for an office manager on Monday, but a new listing appears on Friday (same exact listing), they may be doing this to bump the job listing so it appears higher in the search results. If it is still the same position, don't apply again. It is recommended that you search as many career sites as possible. This is due to the fact that not all companies use Monster.com or CareerBuilder.com. By only searching one job website, you limit yourself. Whatever you do, don't be intrusive with any inquiries you may make via these channels, this is not corporate espionage, just a job search, so remain professional at all times, maybe make comments in-reply to others' postings, re-tweet with comments, etc. - or, maybe -- wait till you have a good idea of whom you may want to contact or reply to first and exactly what you want to say and ask, all the while capturing names, job titles, email addresses, fax and phone numbers and desk-extension numbers, and user names from business groups, social networks and forums you haunt. Those details often lead to obvious decision-makers and other employees within the companies you pursue; and sometimes it leads to companies unfamiliar to you, who later become employer-prospects, too.

Do you know you can dramatically shorten your job search, take advantage of as many unconventional job search tactics as possible and consequently fast track your employment? To boost the quality and quantity of your interviews and increase the number of your job offers get more unconventional job search tactics here: visionoppservices.com/allaboutjobs [http://www.visionoppservices.com/allaboutjobs] It's important to learn how to use the good sites and avoid the bad ones. Here's a quick guide to get you started. The good sites generally reflect a sizable investment of time, creative energy and money. The people who have put them together are obviously serious about what they're doing, and while they are just as eager to make a buck as anyone else, they offer value for the money they receive. Often, results are easy to deliver. When examples arrive into your search-results, click through, read the various entries that best match your job search intentions. And check the history of job posts for each employer-prospect. Go back as far as possible for hiring trends and related job requirements and oft-quoted company benefits, etc.

#Interviews #Job Interviews #Resume Writing Service #job searchemploymentresumescvinterviewwriting service

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nikki-reuclife · 6 years ago

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Division of Energy Employees Occupational Illness Compensation

It notes that there are division of energy employees occupational illness compensation additionally exceptions in the Social Security Act for sure federal workers, ministers, and others. Regulatory capture happens when a state agency designed to act in the public curiosity as a substitute acts to advance the interests of an important stakeholder group. Requires the President, within a 12 months and a minimum of every four years thereafter, to enter right into a joint settlement with the Nationwide Academy of Public Administration and NAS to conduct a coverage evaluation of climate change mitigation and adaptation choices. To ensure that a declare to be accepted underneath dose reconstruction, NIOSH should discover that there's not less than a fifty p.c probability that the claimant’s most cancers was brought on by occupational radiation exposure. An additional 151 cases had been denied after dose reconstruction, as a result of NIOSH establishedthat the likelihood that the claimant’s most cancers was related to their work with radioactive supplies at less than fifty percent. It permits eligible claimants to be compensated without the completion of a NIOSH radiation dose reconstruction or willpower of the chance of causation. Dose reconstruction is used to determine whether or not to compensate veterans for other diseases. Nationwide, almost two-thirds of the cases involving dose reconstruction have been rejected by the Labor Department.

The availability of claimant knowledge and the need to rework some cases in view of new claimant info or changes to scientific methodologies involved in figuring out exposures may have an effect on processing times. The directive requires every intelligence neighborhood agency to determine insurance policies and procedures that prohibit retaliation and to create a process via which the agency's Inspector General can review personnel or security clearance decisions alleged to be retaliatory. September 2013 and in December 2013. CNG expects to use the remainder of the web proceeds for capital expenditures and basic company purposes. Because of the top of the CTA cost, the CTA regulatory liabilities are categorised as current regulatory liabilities as of December 31, 2013 and the regulatory property not associated to the CTA are reclassified as lengthy-time period regulatory property. These rights have been subsequently eliminated by means of the 2013 NDAA (handed previous to Edward Snowden's disclosures) and no longer apply. I have been asked to testify due to my prior experience with implementing similar programs previously.

All other Local Distribution Adjustment gadgets don't have any affect on Berkshire’s outcomes of operations since they are a go-by way of. Changes in those assumptions could have a material influence on pension and different postretirement bills. Modifications to earnings and expense objects related to distribution have a direct influence on internet revenue and earnings per share. UIL Holdings’ annual income tax expense and related effective tax rate is impacted by differences between the timing of deferred tax non permanent difference activity and deferred tax recovery. No, you don't want an legal professional. The U.S. Advantage Systems Safety Board (MSPB) makes use of company attorneys within the place of "administrative regulation judges" to determine federal workers' whistleblower appeals. Supervisor pay may be suspended in conditions where there was a whistleblower reprisal or different crime. If a chimney technician companies your private home and he falls off your roof and has a significant injury, guess who's required to pay for his medical payments and misplaced work? Principal Accounting Charges and Services.

In spring 2017, we performed a web-based survey of 2000 Albertans who had engaged in paid employment within the province during the previous 12 months. Requires coated entities to provide financial assurance to EPA to exhibit that they've the resources to be in compliance when the term offset expires. UI’s credit rating would have to decline two scores at Standard & Poor’s and three scores at Moody’s to fall below funding grade. Every staff compensation program is an funding. Countermeasures harm compensation program. Virginia Workers’ Compensation Fee workers carry employees' compensation. The Kentucky determination founds unconstitutionality on a distinction between the overwhelming majority of staff and a really small minority, teachers. In case you were injured while working on the Oak Ridge Division of Power facility or different power-related group, contact the EEOICPA attorneys of the Legislation Offices of Tony Farmer & John Dreiser. Causes for not refusing unsafe work are related: not desirous to be a troublemaker, feeling nobody would take it significantly anyway, pressure to maintain working and never knowing about the precise to refuse. The PC1-IC and PC2-IC applications are for energy companies within gas distribution, vitality transportation, vitality construction, renewable power, agricultural cooperative, and utilities segments. Do You Know How To Protect Your Body From Radiation Poisoning?

If you have Graves' Disease, or some other way of hyperthyroidism, and so are considering radioactive iodine to deal with your trouble, you may want to first look into other sorts of treatment methods. Many people don't understand the possibility consequences of receiving treatment with radioactive iodine. As a healthcare professional and somebody that was diagnosed with Graves' Disease, I can tell you that avoiding radioactive iodine was among the best choices I ever produced.

Most industries require tremendous amount of your energy to operate as well as a large part of the arises from non-renewable fuels. These fuels are created by fossils of energy employees occupational illness compensation program plants and animals over thousands of years. Fossil fuels are non-renewable sources of one's in addition to their extraction generates a lot of radioactive wastes. w_800/17ttpxdvgf70cjpg.jpg" width="336" /> It is important to realize that radioactivity, while often a buzzword for danger, is actually not harmful in small doses. It is found completely naturally in the world, as well as a body system can deal quite well with it. In addition, radioactive materials decrease so following a specific amount of your time. This is measured by something termed as a half-life, which is the amount of your energy that it requires a radioactive source to get rid of half of its activity. Activity, in this instance, refers to the variety of atoms from the radioactive source which are decaying every second. q_80 As with many non-profits, the board of directors must give its seal approval on any projects and also the compensation program was no different. In February 2011, I met with the pre determined Compensation Committee to discuss the direction from the compensation project and to gain support to the initiatives that you will find the outcome. This gang of 7 professionals is composed of business leaders from different industries during the entire area with varying degrees of HR and compensation knowledge. In this meeting I spent much of my time hearing their ideas and the thing it exactly what the pay plan required to accomplish along with their expectations of the final product while sharing a number of my insights that might help increase the risk for project an extra success. This meeting provided me a having a valuable development possiblity to behave as an "expert" while integrating my knowledge with customers I did not know. The relationships and politics of your group similar to this can be hard to navigate to someone not really acquainted with its logistics. The more experience I get presenting to your board of directors, the higher I become advertising online. Cobalt 60 is often a radioactive isotope of cobalt and is often a hard, lustrous gray metal found in fabrication work, wielding steel and radio therapy. Exposure to its radiation might cause thinning hair, patches onto the skin, loss in fingernails and cancer. The irradiator that housed the pencils was bought through the Chemistry Department of Delhi University made use of in 1968. It was never used after 1985. After two-and-a-half decades some one a brilliant thought of disposing it well being a scrap. DU authorities kept quiet for a good a couple weeks if the origin in the radio active pencils was being discussed widely. The university acknowledged the cause looking at the Chemistry department but only after painstaking efforts of police along with other investigating agencies finally pointed a finger at them. Then, without losing any time, they apologized and declared a complete investigation has been ordered and the like.

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professorblind · 8 years ago

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Hate is a very strong emotion, but if I hate anyone, I really really hate Ronald Reagan.

- 8 reasons why Ronald Reagan was the worst president of our lifetime

“If you ever happen to come across a Republican on television these days, chances are that you will hear the name Ronald Reagan. Recent Republican debates are the perfect example of the love fest that the current Republican party has for Reagan as each candidate name drops the former president at every turn. If you only listened to conservatives you would think that Jesus Christ was the only person above Reagan on the totem pole of conservative love. They talk about his love of low taxes, less government and conservative family values. The problem is that when you step out of the conservative dream and come back to reality, you find that not only was Ronald Reagan a bad president, but he was one of the worst presidents we've seen in modern times. Reagan's policies have destroyed the United States for three decades, and for the eight years he was in office”

- Was Reagan a bad president? Why?

“Frankly, the Reagan Era is likely only 'fondly remembered' by those who did well economically during his Presidency or by those who have only read positive accounts of his terms in the White House.”

- Why do some say Ronald Reagan was a bad president?

“Reagan pursued policies as President that were short-sighted, reckless and, for many, hurtful. His economic legacy is one of deplorable disregard for the consequences of his actions, and the ramifications of Reagan's decisions remain with us to this day.”

- Ronald Reagan was the worst president in our History

“Yes, he was worse than all the rest because his legacy of deficit spending and amassing of national debt to this day is crushing our ability to deal with the short-term and long-term world crisis. Bush I and Clinton both tried to get Reagan's deficit down, Clinton with with some success only to have Bush II add even more shit to the pile. Even today, much of our national budget goes to servicing Reagan's debt and reassuring our debtors. For the past 25 years we have continued to pay perhaps hundreds of billions just in interest because Reagan decided the wealthy shouldn't have to pay so much in taxes. Those tax cuts for the wealthy were simply passed on to all the rest of us with the crippling debt they created and may take decades or even a century for you and I to pay off. When it's all said and done Reagan's debt and all the interest we have had to pay on that debt could add up into the tens of trillions. It's not much different than a poor person running up their credit card to $10,000 and then only paying $10 a month to pay it off because that is all he has left to pay on the card. By the end of the poor person's life he may end up paying the credit card company $100,000 or more for a $10,000 loan. Think of Reagan and Bush II's debt as being on your current credit card statement even though it doesn't show up, because the fact is we will be paying for it out of our own pockets probably for the rest of our lives. “Keep in mind the so-called Reagan boom was in fact a rather middling episode of economic growth. The economy grew much more slowly in the 1980s than during the 1960s, more slowly than the postwar average of 3.6% annual growth, and no faster than in the 1970s or the 1990s. This is absolutely terrible when you think of all the debt he saddled upon us. We got no bang for one hell of a lot of bucks that we are still fucking paying for! Clearly the tax cuts had very little impact on stimulating the economy. Most of the other economic numbers from the 80's were below par compared to other decades. In a nut shell, if you did a cost benefit analysis of Reagan's economic policies he would get not just an F but a ZERO because he did much more damage than good.”

- The Irony and the Ecstasy

“Things were pretty dire when Reagan took office back in 1981, as Ryan remembers it. But Reagan ‘was not defeated or deterred. Instead, he proposed a plan to get America back on track.'

“Well, yes, in his speech to a joint session of Congress shortly after becoming president, Reagan presented his 'plan'—a reasonably detailed discussion of proposed tax cuts and spending cuts, pursuant to his vision of smaller government. The thing is, almost none of these changes ever happened. The tax cuts went through in 1981 but were partially repealed in 1982. In his 'plan,' Reagan promised to cut two Cabinet departments (Energy and Education). Instead he added one (Veterans Affairs, now the government’s second-largest). Ryan chooses to remember the Reagan of 1981, when anything was possible. This allows him to take Reagan’s promises as some kind of reality. Thirty-four years down the road, it’s too late for that.

...

“Reagan inherited a federal budget of $599 billion in revenue, $678 billion in spending, and a deficit of $79 billion. He left office with a federal budget of $909 billion in revenue, a little less than $1.1 trillion in spending, and a deficit of $155 billion.”

- 6 Ways You Didn't Realize Ronald Reagan Ruined The Country

“If we're talking pure numbers, there really isn't anything to argue about when it comes to which administration oversaw this country in the shadiest manner. Reagan wins that hands down. During his time in office, an astounding 138 members of his team were investigated, indicted, or convicted for their roles in various scandals. You could argue that merely being investigated shouldn't count, but that would be a stupid argument. Of course being investigated counts. Plenty of people live their entire lives without being the subject of an investigation of any sort, you know?

“Even if you did take that part out of the equation, the number of Reagan administration officials who were convicted of wrongdoing of some sort is astonishing, especially when compared with the statistics of famously "corrupt" presidents like Nixon or Clinton. This list on DailyKos.com just references those who were convicted of crimes that related to the jobs they performed as part of the administration. There are 21 names on the list. A similar list about the Nixon presidency would only produce eight names. Clinton's would have just one.”

- 5 Terrible Things Ronald Reagan Did As President

“After his tax cuts devastated the federal treasury, ushering in the era of giant deficits we’re still mired in today, Reagan raised Social Security taxes, ostensibly to protect Social Security for future generations. Instead, he dumped that money into the general treasury fund to reduce the deficits he had created.”

- 5 More Terrible Things Ronald Reagan Did as President

“Deinstitutionalization of mentally ill patients began before Reagan was president, and in fact it was already recognized as a policy failure by 1981. But that didn’t stop the president from cutting funds for treating and preventing mental illnesses. The result was a big jump in the homeless population, a large percentage of whom suffered from serious mental illness. It’s a legacy that remains to this day.”

- 21 Reasons Why Ronald Reagan Was a Terrible President

“After several Americans were taken hostage by terrorists in Lebanon, Reagan provided weapons to Iran in exchange for their release. Despite this concession, ultimately more hostages were taken.

“After Reagan sent Marines to Beirut for a peacekeeping mission, a terrorist’s truck bomb killed 241 U.S. Marines. Reagan responded by immediately doing exactly what the terrorists wanted, pulling all the troops out of Beirut.

“After the bombing of the US Marine Corps barracks in Beirut, Reagan promised to track down and punish the terrorists who committed that horrible act. He never followed up on that promise.”

- 8 Reasons Ronald Reagan Was One of the Worst Presidents Ever

“Before being elected President, Reagan said that being a member of a union was a ‘basic right’ all workers deserved. But oh how Washington corrupts. The air traffic controllers went on strike when salary negotiations failed. If they didn’t return to work, Reagan said they would be fired. Of those workers striking 11,345 were officially fired and banned from working for the federal government for life. His arrogance not only hurt families it also caused airline problems for several years to find and train new air traffic controllers. According to Michael Nolan’s book Fundamentals of Air Traffic Control, the FAA assured Washington the problems would be solved in just two years, but it took nearly ten years for staffing of air traffic control to return to normal. In 1993 President Bill Clinton lifted the federal service ban.“

- Ronald Reagan cared more about UFOs than AIDS

“Reagan talked about this alien threat all the time, to the apparent consternation of his staff. When his 1987 U.N. assembly speech didn’t include the alien story, he wrote, 'and toward the end perhaps I still would like my `fantasy’ — how quickly our differences world wide would vanish if creatures from another planet should threaten this world.'

“If Ronald Reagan was a genuine UFO nutter or simply in thrall to a simplistic sci-fi plot makes no difference to me. But the fact remains that he spent a lot of time talking about spacemen. Spacemen killed, according to my estimates, no Americans, at all, during Reagan’s presidency.

“Reagan never mentioned AIDS until he was directly questioned about it in his second term, and he never gave a public statement on the epidemic until 1987, when 20,000-30,000 people had already died from it. When it came up in press briefings, it was, at first, a subject of humorous cajoling. Later, the president was advised not to say that children couldn’t catch AIDS from casual contact. Members of the Reagan inner circle attacked Surgeon General C. Everett Koop for encouraging sex education and condom use. The Centers for Disease Control was underfunded and there was never a comprehensive plan for dealing with the epidemic.

“The president mentions in a 1985 diary entry, in passing, that Rock Hudson was rumored to have AIDS — and the topic doesn’t come up again for two years. (And for some reason, late in his term, he begins consistently misspelling it, as 'Aides.') There isn’t much evidence that he devoted much time at all to even thinking about AIDS, which was killing a frankly staggering number of Americans throughout his entire presidency. Edmund Morris recalls him wondering if 'the Lord brought down this plague [because] illicit sex is against the Ten Commandments,' which does not sound like the statement of a man who’s given the disease much thought.

“Whether he himself was an anti-gay bigot who thought that the disease was a punishment from an angry god or simply a callous old man (surrounded by Christian right ideologues) who didn’t concern himself with what was killing so many homosexuals hardly matters. People died either way, because the government didn’t make fighting the epidemic a priority.”

[...and this should be horrifyingly familiar to anyone awake this past month]

- Behind the Ronald Reagan myth: “No one had ever entered the White House so grossly ill informed”

“At presidential news conferences, especially in his first year, Ronald Reagan embarrassed himself. On one occasion, asked why he advocated putting missiles in vulnerable places, he responded, his face registering bewilderment, 'I don’t know but what maybe you haven’t gotten into the area that I’m going to turn over to the secretary of defense.' Frequently, he knew nothing about events that had been headlined in the morning newspaper. In 1984, when asked a question he should have fielded easily, Reagan looked befuddled, and his wife had to step in to rescue him. 'Doing everything we can,' she whispered. 'Doing everything we can,' the president echoed. To be sure, his detractors sometimes exaggerated his ignorance. The publication of his radio addresses of the 1950s revealed a considerable command of facts, though in a narrow range. But nothing suggested profundity. 'You could walk through Ronald Reagan’s deepest thoughts,' a California legislator said, 'and not get your ankles wet.'

“In all fields of public affairs—from diplomacy to the economy—the president stunned Washington policymakers by how little basic information he commanded. His mind, said the well-disposed Peggy Noonan, was 'barren terrain.' Speaking of one far-ranging discussion on the MX missile, the Indiana congressman Lee Hamilton, an authority on national defense, reported, 'Reagan’s only contribution throughout the entire hour and a half was to interrupt somewhere at midpoint to tell us he’d watched a movie the night before, and he gave us the plot from War Games.' The president 'cut ribbons and made speeches. He did these things beautifully,' Congressman Jim Wright of Texas acknowledged. 'But he never knew frijoles from pralines about the substantive facts of issues.' Some thought him to be not only ignorant but, in the word of a former CIA director, 'stupid.' Clark Clifford called the president an 'amiable dunce,' and the usually restrained columnist David Broder wrote, 'The task of watering the arid desert between Reagan’s ears is a challenging one for his aides.'

“No Democratic adversary would ever constitute as great a peril to the president’s political future, his advisers concluded, as Reagan did himself. Therefore, they protected him by severely restricting situations where he might blurt out a fantasy. His staff, one study reported, wrapped him 'in excelsior,' while 'keeping the press at shouting distance or beyond.' In his first year as president, he held only six news conferences—fewest ever in the modern era. Aides also prepared scores of cue cards, so that he would know how to greet visitors and respond to interviewers. His secretary of the treasury and later chief of staff said of the president: 'Every moment of every public appearance was scheduled, every word scripted, every place where Reagan was expected to stand was chalked with toe marks.' Those manipulations, he added, seemed customary to Reagan, for 'he had been learning his lines, composing his facial expressions, hitting his toe marks for half a century.' Each night, before turning in, he took comfort in a shooting schedule for the next day’s television-focused events that was laid out for him at his bedside, just as it had been in Hollywood.

“His White House staff found it difficult, often impossible, to get him to stir himself to follow even this rudimentary routine. When he was expected to read briefing papers, he lazed on a couch watching old movies. On the day before a summit meeting with world leaders about the future of the economy, he was given a briefing book. The next morning, his chief of staff asked him why he had not even opened it. 'Well, Jim,' the president explained, 'The Sound of Music was on last night.'”

Editorial: Nearly every problem of the 1990s, 2000s, and even into the 2010s can be traced back, not to the 70s of Nixon, Ford, and Carter, but to the 1980s. Yes, even 9/11 [Reagan’s CIA armed & trained Bin Laden].

The Cult of Reagan and the myths about the efficacy of his policies haunt us to this day. Every time a GOP congresscritter makes noises about how spending and deficits are some kind of exclusively ‘Democrat’ failing I have to wonder about their willful blindness to the true Reagan legacy.

Basically, every good thing to come out of the Depression era and WWII - all the economic and social advances of the mid 20th Century, were either slowed, halted, or rolled back starting with Reagan and gleefully perpetuated by his acolytes.

The challenges we currently face all started in the 80s: automation of manufacturing, global trade facilitated by massive changes in shipping logistics, the transition from paper-shuffling to computerized records, and the move from full-service to self-serve - not just at the gas pump, but also things like ATMs, self-check out at the register, voice menus instead of operators & receptionists, and even internet retail. Technology has changed the nature of employment, white- and blue-collar both (and also changed the education needs of future workers) but we’re stuck with “tax cuts will solve everything” fantasies and nostalgia-mode economic policies that look back to the 50s, or 20s (or 1880s) for solutions.

I also have to wonder where our planet might be if the initiatives for solar and green energy that barely got started under Carter had been encouraged and expanded, rather than immediately rolled back - would we have started the transition to renewables 30 years earlier?

I guess we’ll never know.

#Reagan was a terrible president

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johnmauldin · 8 years ago

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10 Potential Black Swans and Opportunities for the US Economy in 2017

We’ve reached that wonderful time of year when financial pundits pull out their forecaster hats and take a crack at the future. This time the exercise is particularly interesting because we’re at several turning points. Any one of them could remake the entire year overnight.

I should probably say up front that I am actually somewhat optimistic about 2017—optimistic, meaning I think we will Muddle Through—but that’s a lot better outcome than I was expecting five months ago. However, midcourse corrections may be warranted.

Instead of trying to answer questions about the future, I’ll try to list those we should be asking as 2017 opens.

We can’t afford for any of the major components of the global economy to break down; so, it’s smart to ask, “Where are the weak points?” That’s what we’ll do today. We’ll poke at the economic mechanism as it grinds along.

Trumping DC

The biggest change will happen in Washington DC when Donald Trump takes office. Aside from the changes he can make on his own authority, he’ll be in position to approve the many Republican initiatives that President Obama blocked. Here are some items I’m watching.

Tax reform: Our monstrosity of a tax system needs major reconstruction: a reduction and simplification of corporate taxes, a significant reduction of the individual income tax, and replacement of the Social Security tax with a VAT-like consumption tax. What will come out of the House is still unknown.

My sources are telling me House members want to pass an initial tax cut quickly and defer the more complicated changes for later in the year. The easy initial tax cut is to remove the Obamacare tax when they repeal Obamacare (the Affordable Care Act), which it appears they will do early in the session.

Final thoughts on taxes: Some industries will suffer massive impacts if you slap tariffs on incoming goods. Further, putting a high tariff on products that are sold at Walmart and Costco and on Amazon is massively inflationary to those shoppers (and that’s most of us).

These policies can be tricky, and the consequences can have a big impact on consumer confidence.

Energy: The Obama administration’s heavy-handed environmental regulations are a major impediment to US energy independence. Trump can change many of them quickly because they came in the form of executive orders and rulemaking that doesn’t require congressional approval.

Trump can also approve some of the Arctic and offshore drilling projects that Obama would not consider. I am told that there are some $50 billion worth of oil-production projects that are ready to go, which would be a massive source of high-paying jobs.

If he wants to play hardball with OPEC, Trump could even impose a tariff on imported petroleum products that we can produce here (as opposed to the raw crude, especially heavy crudes, that we currently don’t produce). That would give domestic producers and refiners a further boost. It would also aggravate the rest of the world’s oil glut.

Economic stimulus: We have plenty of shovel-ready projects, or could create them in short order, that would create jobs and simplify trade and travel. Some will not be very profitable in the short run, so they may not happen under a tax-credit scheme.

Trade: Import-dependent businesses are on pins and needles right now, hoping the Trump administration doesn’t turn toward the kind of protectionism some of the new appointees have advocated in the past. We’ll see. The president has considerable latitude in this area, so almost anything is possible.

Banking: One reason the stock market has gone bananas since the election is the prospect of banking deregulation. Wall Street has been chafing under the Dodd-Frank Act’s requirements and restrictions. The Volcker Rule on proprietary trading has clearly worsened bond market liquidity and taken a major revenue center away from the banks.

The Dodd-Frank Act as presently constructed could actually aggravate matters if we find ourselves in another financial crisis. Dodd-Frank prevents the Federal Reserve from stepping in with liquidity and instead says that the FDIC should “resolve” any failing banks.

I see the point, but the main reason we have a central bank is to be a lender of last resort to the banking system. The FDIC simply can’t act fast enough, nor does it have the ability or the cash to act effectively in a crisis. Congress needs to fix this soon.

Finally, Dodd-Frank puts our regional and small community banks at a massive disadvantage. They get all of the costs and are restricted from their normal activities. Overhauling Dodd-Frank will be a big boon to entrepreneurs and small businesses and will create jobs.

Federal Reserve: We should also see at least two nominees to the Fed’s Board of Governors soon after Trump takes office. He may get a third one if Daniel Tarullo leaves, as some observers expect. He will get to nominate both the chair and vice chair next year, and it is likely that the remaining members will think about leaving as well when Yellen departs. But the early nominees will tell us a lot about Trump’s priorities and long-term plans—hopefully for the better.

Meanwhile, the Fed is in the middle of a long-overdue policy turn. There’s still a risk that they will find they started tightening just in time for a recession, which is also long overdue.

Surprises and Black Swans

Black swans aren’t a risk limited to the world of finance; they happen in politics too. Such an event could push aside all the best-laid plans and change everything.

Canadian bubble: Our neighbors to the north are at their own turning point. The Canadian economy was riding high in the commodity boom but has run into problems after two years of sharply lower oil prices. Since then Canada has avoided recession but has not enjoyed much growth.

Canada also has a housing bubble that looks increasingly ready to pop. House prices have little to do with oil and everything to do with Chinese buying property.

What happens in Canada will tell us something important about China and vice versa. Anything that keeps Chinese money from leaving China will raise the odds of Canada’s bubble popping.

US energy policy matters to Canada too. The country’s huge oil sands deposits would help its export balance, but in some cases the best access requires pipelines through the US, like the Keystone that Obama has held up. Trump can help Canada by letting that project go forward.

Crowded exits in Europe: I thought there was a good chance the Italian bank crisis would come to a head in 2016. The Italians seem to have yet again delayed the inevitable. Reality hasn’t fundamentally changed, though. Troubled institutions are not going to get better on their own, nor is the new government going to miraculously gain public confidence.

Saving Italian banks will take multiple hundreds of billions of euros, which Italy does not have, nor do they technically even have the legal right to unilaterally bail these banks out. They would have to utilize an ECB facility that does not now exist to get that much money, and such a measure would require German approval.

I keep telling you that Italy is the most dangerous economic issue on the world front. Attention must be paid.

That said, Europe is quite capable of staving off disaster. They are professionals at that. They can do it again this time if nothing else goes wrong. That’s a big if.

NATO: The defense alliance partially overlaps with the EU but also includes Turkey. Trump wants the other member states to increase their defense spending. He says, correctly, that they aren’t paying their fair share and has openly questioned whether the US would come to their aid in an attack.

The Baltic countries and Poland are very concerned, as they are the most exposed to potential Russian aggression.

Does Putin intend to attack and try to occupy one of those countries? I really rather doubt he will, but he can cause all kinds of problems without attacking. Fear alone is sufficiently troublesome.

As with Italy, though, fear has consequences. Leaders can juggle only so much. When too many things happen at once, the risk rises that someone will drop a ball.

Asian angst: Relationships within Asia are in flux, to say the least. Trump’s phone call with the Taiwanese president and subsequent comments show he’s willing to roll back prior commitments in order to get better ones. We could see some major changes in 2017.

China has other problems too. They are holding the domestic economy together with astonishing amounts of debt. New liquidity can’t leave the country due to capital controls, but it has to go somewhere. The result is rolling asset bubbles that make even Vancouver housing prices look flat.

The transition from an economy driven by exports to one led by domestic demand is probably going as well as it can, but that’s not saying much. The process may accelerate if Trump has his way.

Over in Japan, something interesting is happening. The job market is unbelievably tight. I saw in a Wall Street Journal report last week that each available worker has two job offers on average. The unemployment rate is historically low.

In a normal market, you would expect employers to compete for workers by raising wages, right? But it isn’t happening. Wages are flat or even falling. Deflation has changed the psychology for two generations of workers and managers. Employees are afraid to demand more, and companies are afraid to pay more.

It’s also a potentially ominous sign for the US. The Fed and many others are watching labor markets closely for signs of wage inflation. Rising wages are one of the factors that would justify tighter interest-rate policies. Yet, Japan shows that unemployment can stay low for years without necessarily causing wage inflation.

Japan is another potential target of Trump’s trade policy. Unlike China, Japan really is devaluing its currency. The policy is working too, in terms of promoting exports. But those exports don’t all go to the United States. Japan sells China much of its industrial equipment and technology, demand for which will presumably drop if Trump succeeds in reducing Chinese exports.

Final Thoughts

We enter 2017 with more question marks than I can count. Even if all the policymakers are competent and have good intentions, stuff happens.

Now, more than ever, economic risk around the world emanates from our governments and central banks.

Trump has the traditional 100 days to deliver something to keep the optimism going. Hopefully, a Congress that is nominally Republican controlled can agree on important measures and move more quickly than we have seen it move in quite a while.

There have been only a few times when I was not optimistic about the coming year, but thankfully this is again one of the optimistic times. I’m actually as pumped as I have been in a long time.

2016 has been a year of major surprises. Frankly, I think 2017 has the potential to offer even more challenges than 2016 did.

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#trump2016 #trump #vat #tax #taxes #opec #obamacare #economy #economics #investing #investments #markets #global economy #us economy #money #finance

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gatekeeper-watchman · 27 days ago

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National Healthcare

I have discussed this subject before; but, especially in light of current events, I would like to discuss it again today–perhaps, even more candidly. I’ll be honest with you. If I were a member of Congress when the Patient Protection and Affordable Care Act (PPACA), aka Obama Care, was passed, I was so angry with rejectionists like the illustrious Kentucky Colonel, Mitch McConnell, I would have voted for that bill without hesitation, even though, however, I was, in all honesty, really not in favor of it. I say to you as I have said to others, the law is an exercise in masturbation as so many others. I have said this all along; and, also, I wrote President Obama, telling him that, too (He, eventually, thanked me for my letter but didn’t mention the subject of healthcare). Today, years later, I feel even more negative toward it. This law has good intentions, but it fails the people of this country. I see a train wreck coming. It is coming, and it’s going to hit hard. When it does, the American people are going to be mad as a swarm of bees. Mark my word. Don’t forget I said it, Mister Politician.

It is anything but affordable for the masses of the people; it is confusing, bordering on being unintelligible to most; and it is so complicated and expensive, it could drive all of us, people and government into bankruptcy. In tackling our problem of healthcare, President Obama made the same mistake as President Clinton; by, in his effort to be conciliatory and bipartisan with the Republican Party, invited the major stakeholders in the medical industrial complex to the negotiating table, assuming that consensus there would bring reform. Who are those stakeholders? They are the pharmaceutical, hospital, physician, and insurance industries–the primary focus of all of them being profits, with the interests of the people being last on their list. They not only fought the administration on this, they fought within against themselves. I ask you. Who ever heard of the customer or client coming in first on the list of any insurance company? Really!

I submit to you that healthcare is not a commodity like oil, sugar, pork bellies, credit default swaps, housing, automobiles, and so on. Healthcare is not adaptable to or compatible with the free market (a myth at best) in any way, shape, or form. Who beside the most skilled can intelligently evaluate an insurance policy; who but the most skilled physicians can evaluate the abilities of a doctor; when you need to go to the hospital, how often is it you who has the decisive choice as to where to go; and, lastly, who of you is able and has the expertise to knowledgeably determine the proper drugs you should take when you are ill? I am certainly not qualified and neither are almost all of us.

Healthcare is a need of all of us–a need we share in common. Accordingly, it should be governed in common. Healthcare is our RIGHT. How do I justify that? It is stated as such in our Declaration of Independence. We all have the right to life, liberty, and pursuit of happiness. We should be allowed to have and enjoy that right. We need a system that will work, one we can afford, and one for which we have the ability to pay (Surely no one thinks it can be free). We need a single payer, national healthcare system modeled after Medicare with, like the VA, the ability to negotiate prices.

Immediately! I hear someone cry socialism. In this individual instance, why should you care if it works? As one person once said, “It doesn’t matter if the cat is white or the cat is black. The cat we want is the one that catches Mice” (or something like that). A single payer healthcare system will catch mice. If we were talking about the whole country going socialists, we would need, I would think, to sit down and have a long talk about the matter–a very long talk. In this instance, however, no one is even thinking about that. We already know socialism has failed as a whole, so this isn’t even the subject of the matter. We need a system that works for us.

Let me tell you about that word, socialism. The word socialism is inflammatory; used, primarily, to arouse and anger people in order to influence their minds in one direction or another. To most people, it is something bad, from which one will turn away with rejection. We hear it every day from those who don’t believe in government, usually some form of anarchists. It usually comes from those who want to control your mind and lead you in the direction they want you to go. Do you really need that kind of people?

I want to call your attention to a fact of the matter. When Medicare was made into law in the 1960’s, it was up and running in a year. The Patient Protection and Affordable Care Act (PPACA) was passed four years ago and still is not working, some provisions of which are being moved back even now, as we speak. Medicare, on the other hand has been in effect for over forty years and working just fine even now. How about that? Our illustrious politicians haven’t been willing to even so much as give single payer national healthcare a national hearing for consideration. Is that Democracy?

How should we pay for such a plan? I have given a lot of thought to the matter and changed my mind from when I first wrote about “single payer”. Please allow me to bring another issue into the picture, Social Security. This safety net, also, is moving forward to the day when our government allows it to become a national crisis. Social Security, to the best of my knowledge, is one of the most efficient, well run programs, with the lowest costs of administration of any other program in government. A big reason for this success is that the fund is “stand-alone”, “self-funding”, and not included in our general budget. In this way it is highly controlled and does not affect our national deficit. Our biggest problem with financing this program is, in my mind, five-fold, the recession in our economy, the retirement of our “baby boom” generation, our massive unemployment (Whereas, in the past we had more people paying in than those receiving benefits, we now have less paying in–I am told only three paying in now for twelve receiving.), the aging of our people, and increasing disabled coming onto the rolls. Obviously, payments into this fund have to be increased, and cutting benefits and cost of living adjustments is absolutely unacceptable. Having said that, raising payroll taxes on employers and employees (the money is going to have to come from somewhere) will create additional hardship and political tensions no one needs or can stand just now.

Let’s now get back to the question (or issue) of single payer healthcare. It, too, must be financed. Again, it’s not free. It will be expensive, but it will be a lot less expensive than Obamacare–a lot less. I might, also, call your attention to the fact we are not feeling the full pain of even our current healthcare expenses, as exaggerated as they are. We are paying for a lot of them “on the cuff”–it’s in our deficit. But I digress. We should administer single payer healthcare in the same manner as we do Social Security, with a stand-alone fund into which go all receipts and out of which go all disbursements. In no way should the accounting for healthcare be mingled with the accounting for government. In no way should healthcare funding be allowed to affect our deficit. Tax rates for payments into both the healthcare and the Social Security funds should be automatically adjusted annually for any expense overruns or surpluses. So, I don’t cause confusion, in no way should our stand-alone healthcare fund be co-mingled with our Social Security fund. The accounting for both must be kept completely separate and open to the public.

Now, let’s get to the question for which you have been so patiently waiting (if we have come this far and you are still with me, you must be patient). How should we pay for this? I believe we should create two separate and apart national Federal Sales Taxes, a separate sales tax for each fund. For states which presently have sales taxes, we should take advantage of their systems in order to prevent duplication in costs, using them for collection. For states without sales taxes, currently, they should set up a system and be reimbursed by the government for collection. These taxes should be itemized separately on every sales receipt, separate from those of the state.

In conclusion, what will we accomplish by all this?

We will have a national single payer cradle to the grave healthcare system, the cost of which will be much more acceptable to the taxpayer.

We should save trillions of dollars by eliminating insurance profits and reducing healthcare costs through allowing government to negotiate prices (this suggestion presumes that healthcare remains private and government is the single payer). Additional savings should, also, be realized by increased efficiencies.

Employer and employee payroll taxes will be eliminated, a boon to both and a stimulus to the economy.

Healthcare will no longer be a “monkey” on the back of business.

The pressure for reduced work weeks will be eliminated.

Uncertainty of the future will be reduced and business will be better able to plan.

The adjustments and uncertainty surrounding both healthcare and Social Security will be resolved, the tax rates being adjusted annually.

The immense and horrendous worry by our people will be significantly reduced.

And last, but not least, hopefully our people will be more at ease and stable.

Let’s quit fighting. Let’s quit arguing and bickering. Let’s quit the politicking and put our country first. Let’s pull together and get the job done. Let us implement single payer healthcare and protect our Social Security. This is just one more step in taking back our country from the “power elite”, our Shadow Government. Get with your representatives today. Unlike those of whom we spoke, above, we can’t pay them off, but we can let them know where we stand and how we vote.

Good morning, USA and the World

From: Steven P. Miller, @ParkermillerQ, gatekeeperwatchman.org, TM,

‎Founder and Administrator of Gatekeeper-Watchman International Groups.

#GWIG, #GWIN, #GWINGO, #SPARKERMILLER

Saturday, December 14, 2024, Jacksonville, Florida USA

5:23:46 AM

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dinafbrownil · 5 years ago

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Drumbeat Builds For A Peace Corps Of Caregivers

Imagine a government program that would mobilize volunteers to help older adults across the nation age in place. One is on the way.

Navigating Aging

Navigating Aging focuses on medical issues and advice associated with aging and end-of-life care, helping America’s 45 million seniors and their families navigate the health care system.

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The Administration for Community Living, part of the Department of Health and Human Services, is taking steps to establish a National Volunteer Care Corps.

If it’s successful, healthy retirees and young adults would take seniors to doctor appointments, shop for groceries, shovel snowy sidewalks, make a bed or mop the floor, or simply visit a few times a week.

Older adults would not only get a hand with household tasks, but also companionship and relief from social isolation. And family caregivers could get a break.

Younger volunteers might get class credit at a community college or small stipends. Older volunteers could enjoy a satisfying sense of purpose.

There’s no question the need is enormous, as the ranks of the oldest Americans ― those age 85 and up, who tend to have multiple chronic illnesses and difficulty performing daily tasks ― are set to swell to 14.6 million in 2040, up from more than 6 million now.

Who will care for these seniors? More than 34 million unpaid family caregivers currently shoulder that responsibility, along with 3.3 million paid personal care and home health aides. (Medicare does not pay for long-term care services or non-medical services in the home.)

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According to the Bureau of Labor Statistics, more than 1.2 million new paid jobs of this kind will be needed by 2028. But filling them will be hard, given low pay, difficult work conditions, limited opportunities for professional advancement and high turnover.

This notion of a domestic Peace Corps for caregiving, if you will, has been circulating since 2013, when it surfaced in a Twitter chat on elder care. In 2017 and 2018, bills introduced in Congress proposed a demonstration project, unsuccessfully.

Now, four organizations will spearhead the Care Corps project: the Oasis Institute, which runs the nation’s largest volunteer intergenerational tutoring program; the Caregiver Action Network; the National Association of Area Agencies on Aging; and the Altarum Institute, which works to improve care for vulnerable older adults.

The initial grant to the group is $3.8 million; total funding for the five-year project is expected to be $19 million, according to Greg Link, director of the ACL’s office of supportive and caregiver services.

This fall, project leaders will invite organizations across the country to submit proposals to serve “non-medical” needs of older adults and younger adults with disabilities. Next spring, up to 30 organizations will get 18-month grants of $30,000 to $250,000, according to Juliet Simone, director of national health at the Oasis Institute.

The goal is to discover innovative, effective programs that offer services to diverse communities (geographic, racial and ethnic) and that can be replicated in multiple locations.

“We want the organizations that apply to be very flexible and creative,” said Anne Montgomery, deputy director of Altarum’s Program to Improve Eldercare. “And we’re aiming to create a volunteer infrastructure that can last and be sustainable.”

All volunteers will undergo background checks and training, and there will be an emphasis on evaluating program results.

“We want to be able to say, ‘Here are the services that people really need, and these are the types of things that work well for specific populations,’” said John Schall, CEO of the Caregiver Action Network. Services could include preparing meals, taking seniors to church or home-based tech support for computer users, among many other possibilities.

Care Corps faces several challenges. A big one: The grant is tiny, compared with the trillions of dollars spent on health care. It could take a long time to build it into a national effort that attracts more investment.

Project leaders are optimistic. To nonprofit organizations working in the aging field, “it’s a lot of money ― they can do quite a lot with these grants,” said Sandy Markwood, CEO of the National Association of Area Agencies on Aging. Programs may find ways to license successful models, and local and national foundations may step in with additional support, Simone said.

Recruiting volunteers could be another challenge. At the Center for Volunteer Caregiving in Cary, N.C., which has been providing “friendly visiting,” transportation and caregiver respite services for 27 years, “it’s the biggest issue we face,” said executive director Elaine Whitford.

Because her organization focuses on building relationships with seniors, it asks volunteers to commit to at least a year. “We get a lot of interest,” Whitford said, “then people realize that this just isn’t going to fit into their schedule.”

Helen Anderson, 86, has sickle cell disease, lupus and chronic pain. She lives alone in a Cary apartment. Without help from the center’s volunteers, three women and a man who’ve taken her shopping, cleaned her apartment and done her laundry since 2008, she said, “I could not live independently.”

Scores of volunteer programs serving seniors and people with disabilities already exist, but most are small and many older adults and their families don’t know about them. How they’ll interact with the Care Corps is not yet clear.

One of the largest is Seniors Corps, run by the Corporation for National and Community Service. Through its Senior Companion program, volunteers age 55 and older visit needy older adults and help them with tasks such as shopping or paying bills. About 10,500 volunteers spend 15 to 20 hours a week, on average, serving 33,000 seniors through this program.

Recent research from Senior Corps demonstrates that volunteers receive benefits while giving to others ― a finding confirmed by a large body of research. After two years of service, 88% of Senior Corps volunteers reported feeling less isolated, while 78% said they felt less depressed.

To learn if Service Corps’ companion program is available near you, use this new tool on its website. The group also offers less intensive services to 300,000 older adults and people with disabilities through its Retired Senior Volunteer Program.

To learn about other volunteer programs in your community, contact a local senior center, a nearby Area Agency on Aging or your county’s department of aging, experts suggest. ACL’s Eldercare Locator can help you identify these organizations.

Another source is the National Volunteer Caregiving Network, which lists about 700 programs, most of them church-based, on its website.

“Volunteer caregiving can make the difference between someone having quality of life and not having any at all,” said Inez Russell, board chair of the organization. She’s also the founder of Friends for Life, a Texas program that offers volunteer aid to seniors trying to live independently and that reaches out to seniors who don’t have family members on birthdays and holidays, among other services. Altogether, the two programs reach about 4,000 people a year.

In Montpelier, Vt., Joan Black, who’s 88 and lives alone in a one-bedroom apartment, has been a member of Onion River Exchange ― a time bank ― for 10 years. Onion River members contribute goods and services (a ride to the airport, a homemade casserole, a newly knit baby sweater) to the time bank and receive goods and services in exchange. For years, Black gave out information about the exchange at farmers markets and other community events ― her way of banking credits.

“It’s a form of volunteerism that “creates a sense of community for many people,” said Edisa Muller, chairwoman of the Onion River board.

For Black, who lives on a small fixed income and can’t vacuum, scrub her tub, dust her wooden furniture or shovel the driveway that leads to her apartment, participating in the time bank has become a way to meet new people and remain integrated with the community.

“I like a tidy house: When things are out of order, I’m out or order,” she said. “I don’t believe I’d be able to do everything I do or live the way I do without their help.”

from Updates By Dina https://khn.org/news/drumbeat-builds-for-a-peace-corps-of-caregivers/

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durfeehtbelloraco98insuranc-blog · 5 years ago

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Will I Lose My Furniture In Chapter 7?

In Chapter 7 bankruptcy, the bankruptcy trustee drops many (or all) of your obligations. In the meantime, the trustee may likewise sell (exchange) a portion of your property to reimburse your banks. Chapter 7 bankruptcy, additionally called “straight” or “liquidation” bankruptcy, is so named on the grounds that the law is contained in Chapter 7 of the government Bankruptcy Code. Here’s a framework of Chapter 7 bankruptcy – who can document, the structures you’ll require, how the procedure works, and what befalls your property and obligations. The entire Chapter 7 bankruptcy procedure takes around four to a half year, costs $335 in documenting and regulatory charges, and normally requires just one outing to the town hall. You should likewise finish acknowledge advising for an organization endorsed by the United States Trustee. You won’t most likely use Chapter 7 bankruptcy in the event that you effectively got a bankruptcy release in the last six to eight years (depending which kind of bankruptcy you recorded) or if, in view of your salary, costs, and obligation load, you could practically finish a Chapter 13 reimbursement arrangement. To petition for Chapter 7 bankruptcy, you round out a request and various different structures and document them with the bankruptcy court in your general vicinity. Fundamentally, the structures request that you portray:

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your property

your present pay and month to month everyday costs

your obligations

property you guarantee the law enables you to keep through the Chapter 7 bankruptcy procedure (called “excluded property”) – most states let you keep some value in your home, attire, family unit goods, Social Security installments you haven’t spent, and different necessities, for example, a vehicle and the devices of your exchange

property you possessed and cash you spent during the past two years, and

property you sold or gave away during the past two years.

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Petitioning for Chapter 7 bankruptcy puts into impact something many refer to as the “programmed remain.” The programmed stay promptly prevents most loan bosses from attempting to gather what you owe them. In this way, in any event incidentally, loan bosses can’t legitimately snatch (“embellish”) your wages, void your financial balance, pursue your vehicle, house, or other property, or remove your utility administration.)

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By petitioning for Chapter 7 bankruptcy, you are in fact putting the property you possess and the obligations you owe in the hands of the bankruptcy court. You can’t sell or give away any of the property you claim when you document or pay off your pre-recording obligations, without the court’s assent. Nonetheless, with a couple of special cases, you can do what you wish with property you obtain and pay you procure after you petition for financial protection. The court practices its control through a court-delegated individual called a “bankruptcy trustee.” The trustee’s essential obligation is to see that your lenders are paid however much as could reasonably be expected of what you owe them. Also, the more resources the trustee recoups for loan bosses, the more the trustee is paid. The trustee (or the trustee’s staff) will inspect your papers to ensure they are finished and to search for nonexempt property to sell to support banks. The trustee will likewise take a gander at your budgetary exchanges during the earlier year to check whether any can be fixed to free up advantages for disseminate to your loan bosses. In most Chapter 7 bankruptcy cases, the trustee discovers nothing of significant worth to sell. Up to 14 days after you record, you (and every one of the loan bosses you list in your bankruptcy papers) will get a notice that a “leasers meeting” has been planned. The bankruptcy trustee runs the gathering and, subsequent to swearing you in, may ask you inquiries about your bankruptcy and the papers you recorded. In most by far of Chapter 7 liquidations, this is the indebted person’s just visit to the town hall. On the off chance that, after the loan bosses meeting, the trustee establishes that you have some nonexempt property, you might be required to either give up that property or furnish the trustee with its comparable incentive in real money. On the off chance that the property isn’t worth definitely or would be bulky for the trustee to sell, the trustee may “desert” the property – which implies that you get the chance to keep it, despite the fact that it is nonexempt. (For data on which kinds of property are commonly excluded, see When Chapter 7 Bankruptcy Isn’t the Right Choice.) However, which property is absolved changes by state. You can discover your state’s exceptions in Bankruptcy Exemptions by State.

Most property possessed by Chapter 7 indebted individuals is either excluded or is basically useless for motivations behind fund-raising for the leasers. Thus, couple of account holders end up giving up any property, except if it is guarantee for a verified obligation (see underneath). To show signs of improvement comprehension of what may befall your property in bankruptcy. In the event that you’ve promised property as guarantee for an advance, the credit is known as a verified obligation. The most widely recognized instances of guarantee are houses and cars. In case you’re behind on your installments, the lender can request to have the programmed stay lifted so as to repossess or dispossess the property. In any case, in the event that you are present on your installments, you can keep the property and continue making installments as in the past – except if you have enough value in the property to legitimize its deal by the trustee. In the event that a loan boss has recorded a lien against your property in light of an obligation you haven’t paid (for instance, in light of the fact that the lender acquired a court judgment against you), that obligation is likewise verified. You might most likely crash the lien in Chapter 7 bankruptcy.

On the off chance that you document for Chapter 7 bankruptcy in Utah, the Utah bankruptcy exceptions can enable you to keep a few or the majority of your property. In the event that you record for Chapter 13 bankruptcy, the Utah bankruptcy exceptions may decrease the aggregate sum you should pay your unbound loan bosses. Regardless of whether Chapter 7 bankruptcy bodes well when you possess a home relies upon your objectives—would you like to spare your home, defer abandonment, or simply leave with less obligation? Most Chapter 7 bankruptcy filers can keep a home in the event that they’re present on their home loan installments and they don’t have much value. In any case, all things considered, an indebted person will lose the home in a Chapter 7 bankruptcy if there’s noteworthy value that the trustee can use to pay leasers. For those wanting to leave, recording can defer dispossession for a brief period. You can keep your home in Chapter 7 bankruptcy on the off chance that you don’t have any home value or you’re ready to excluded (secure) your value utilizing the estate exclusion (talked about underneath). The bankruptcy trustee named to direct your issue won’t sell it on the grounds that, without accessible value, there wouldn’t be any cash to appropriate to your unbound lenders. In any case, that doesn’t mean you’ll have the option to keep the home. You should be present on your regularly scheduled installments when you seek financial protection (or soon after that) and must most likely remain current going ahead. Else, you’ll hazard losing your home through dispossession (more underneath). Additionally, it’s imperative to understand that as the land market recoups, home estimations can go up rapidly. So despite the fact that it was uncommon after the 2008 retreat for a Chapter 7 bankruptcy account holder to have enough nonexempt value in a home to trigger a deal, it’s not really the situation in a solid market. Indeed, numerous indebted individuals may find that in a hot land advertise, home value rises so rapidly that it could surpass permitted exclusion sums in merely months.

The greater part of your things are not things that would be removed – under law, huge numbers of your assets including apparel and furniture is all yours, or is commonly low enough in worth that your trustee wouldn’t considerably waste time with attempting to attempt to offer it to satisfy your obligation. The bigger ticket things, in any case, might be taken. These incorporate your vehicle and home on the off chance that it has a specific measure of value. Under current Utah bankruptcy law, if your vehicle has under $3,000 of value it can’t be taken from you. One simple approach to make sense of your vehicle’s value is to look into the exchange estimation of your vehicle on http://www.kbb.com and subtract the sum despite everything you have left to pay on it. In the event that it’s under $3,000 the vehicle is all yours, even with a bankruptcy recording. The equivalent goes for your home, then again, actually the figures go up to $30,000 per individual, $60,000 for a couple. When you take the absolute estimation of the home and deduct what despite everything you owe, $30,000 really ends up being a great deal of cash, and is more value than the vast majority nowadays have in their homes. Only 10 years prior numerous individuals had in any event that much value – so make certain you accurately realize your home’s estimation before recording Chapter 7 or you could lose it. Most of your things are not things that would be removed – under law, huge numbers of your assets including attire and furniture is all yours, or is commonly low enough in worth that your trustee wouldn’t considerably mess with attempting to attempt to offer it to satisfy your obligation. The bigger ticket things, be that as it may, might be taken. These incorporate your vehicle and home in the event that it has a specific measure of value. Under current Utah bankruptcy law, if your vehicle has under $3,000 of value it can’t be taken from you. One simple approach to make sense of your vehicle’s value is to look into the exchange estimation of your vehicle on http://www.kbb.com and subtract the sum despite everything you have left to pay on it. On the off chance that it’s under $3,000 the vehicle is all yours, even with a bankruptcy documenting. The equivalent goes for your home, then again, actually the figures go up to $30,000 per individual, $60,000 for a couple. When you take the all out estimation of the home and deduct what regardless you owe, $30,000 really ends up being a great deal of cash, and is more value than the vast majority nowadays have in their homes. Only 10 years prior numerous individuals had at any rate that much value – so make sure you accurately realize your home’s estimation before documenting Chapter 7 or you could lose it. In most of buyer Chapter 7 bankruptcy cases, most resources claimed by the Debtor are absolved from being sold under relevant state and government laws. Along these lines, as a rule, an indebted person can record Chapter 7 and hold ownership and responsibility for or her property. It is feasible for at least one advantages for be incompletely absolved. This can happen in light of the fact that Utah’s bankruptcy exceptions are set at specific sums, so if the worth or value in your vehicle or house is over the exclusion sum, the trustee could sell the property, pay you back the exclusion sum, and utilize the rest to pay loan bosses. Significant Exemptions are as follows:

Up to $2,500 of value (esteem less obligation) in a vehicle ($5,000 for joint filers).

Up to $20,000 of value in your home ($40,000 for joint filers).

Boundless measure of value in washer, dryer, microwave, stove, cooler, cooler, sewing machine, covers being used, beds and bedding, family garments, and a year of arrangements.

$500 for couches and related decorations ($1,000 for joint filers).

Your 401(k) plan, IRA, KEOUGH or other ERISA qualified arrangement.

There are different exclusions (insurances) that you can guarantee. Visit with a bankruptcy legal advisor to talk about your particular circumstance. Remember that the estimation of your advantages isn’t what you initially paid for them, however what they could be sold for at closeout. Along these lines, your hardware, which are regularly non-excluded, deteriorate a ton with the progression of time. Excepting any inconveniences or extortion, you will get your release in a Chapter 7 case around 3-4 months in the wake of recording. A release implies that your unbound dischargeable obligations are dispensed with. It is significant, nonetheless, to recollect that a portion of your obligations are verified obligations, implying that those specific loan bosses have a verified enthusiasm for your property, similar to your home or your vehicle or your furniture from RC Willey. These obligations can be disposed of, however on the off chance that you decide not to proceed with installments to these lenders, they reserve the privilege to repossess, appropriate, or abandon. Toward the finish of your Chapter 7, leasers with non-dischargeable obligations (like divorce settlement, youngster support, understudy credits, and certain assessments) can resume requiring installments on those obligations.

Bankruptcy Lawyer Free Consultation

When you need to file for bankruptcy or have chapter 7 questions, please call Ascent Law at (801) 676-5506 for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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