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your-dietician · 3 years ago

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Phony Diagnoses Hide High Rates of Drugging at Nursing Homes

New Post has been published on https://depression-md.com/phony-diagnoses-hide-high-rates-of-drugging-at-nursing-homes/

Phony Diagnoses Hide High Rates of Drugging at Nursing Homes

The handwritten doctor’s order was just eight words long, but it solved a problem for Dundee Manor, a nursing home in rural South Carolina struggling to handle a new resident with severe dementia.

David Blakeney, 63, was restless and agitated. The home’s doctor wanted him on an antipsychotic medication called Haldol, a powerful sedative.

“Add Dx of schizophrenia for use of Haldol,” read the doctor’s order, using the medical shorthand for “diagnosis.”

But there was no evidence that Mr. Blakeney actually had schizophrenia.

Antipsychotic drugs — which for decades have faced criticism as “chemical straitjackets” — are dangerous for older people with dementia, nearly doubling their chance of death from heart problems, infections, falls and other ailments. But understaffed nursing homes have often used the sedatives so they don’t have to hire more staff to handle residents.

The risks to patients treated with antipsychotics are so high that nursing homes must report to the government how many of their residents are on these potent medications. But there is an important caveat: The government doesn’t publicly divulge the use of antipsychotics given to residents with schizophrenia or two other conditions.

With the doctor’s new diagnosis, Mr. Blakeney’s antipsychotic prescription disappeared from Dundee Manor’s public record.

Eight months following his admission with a long list of ailments — and after round-the-clock sedation, devastating weight loss, pneumonia and severe bedsores that required one of his feet to be amputated — Mr. Blakeney was dead.

A New York Times investigation found a similar pattern of questionable diagnoses nationwide. The result: The government and the industry are obscuring the true rate of antipsychotic drug use on vulnerable residents.

The share of residents with a schizophrenia diagnosis has soared 70 percent since 2012, according to an analysis of Medicare data. That was the year the federal government, concerned with the overuse of antipsychotic drugs, began publicly disclosing such prescriptions by individual nursing homes.

Today, one in nine residents has received a schizophrenia diagnosis. In the general population, the disorder, which has strong genetic roots, afflicts roughly one in 150 people.

Schizophrenia, which often causes delusions, hallucinations and dampened emotions, is almost always diagnosed before the age of 40.

“People don’t just wake up with schizophrenia when they are elderly,” said Dr. Michael Wasserman, a geriatrician and former nursing home executive who has become a critic of the industry. “It’s used to skirt the rules.”

Some portion of the rise in schizophrenia diagnoses reflects the fact that nursing homes, like prisons, have become a refuge of last resort for people with the disorder, after large psychiatric hospitals closed decades ago.

But unfounded diagnoses are also driving the increase. In May, a report by a federal oversight agency said nearly one-third of long-term nursing home residents with schizophrenia diagnoses in 2018 had no Medicare record of being treated for the condition.

For nursing homes, money is on the line. High rates of antipsychotic drug use can hurt a home’s public image and the star rating it gets from the government. Medicare designed the ratings system to help patients and their families evaluate facilities using objective data; a low rating can have major financial consequences. Many facilities have found ways to hide serious problems — like inadequate staffing and haphazard care — from government audits and inspectors.

One result of the inaccurate diagnoses is that the government is understating how many of the country’s 1.1 million nursing home residents are on antipsychotic medications.

According to Medicare’s web page that tracks the effort to reduce the use of antipsychotics, fewer than 15 percent of nursing home residents are on such medications. But that figure excludes patients with schizophrenia diagnoses.

To determine the full number of residents being drugged nationally and at specific homes, The Times obtained unfiltered data that was posted on another, little-known Medicare web page, as well as facility-by-facility data that a patient advocacy group got from Medicare via an open records request and shared with The Times.

The figures showed that at least 21 percent of nursing home residents — about 225,000 people — are on antipsychotics.

The Centers for Medicare and Medicaid Services, which oversees nursing homes, is “concerned about this practice as a way to circumvent the protections these regulations afford,” said Catherine Howden, a spokeswoman for the agency, which is known as C.M.S.

“It is unacceptable for a facility to inappropriately classify a resident’s diagnosis to improve their performance measures,” she said. “We will continue to identify facilities which do so and hold them accountable.”

Representatives for nursing homes said doctors who diagnose patients and write the prescriptions to treat them are to blame, even though those doctors often work in partnership with the nursing homes.

“If physicians are improperly diagnosing individuals with serious mental health issues in order to continue an antipsychotic regimen, they should be reported and investigated,” Dr. David Gifford, the chief medical officer at the American Health Care Association, which represents for-profit nursing homes, said in a statement.

Medicare and industry groups also said they had made real progress toward reducing antipsychotic use in nursing homes, pointing to a significant drop since 2012 in the share of residents on the drugs.

But when residents with diagnoses like schizophrenia are included, the decline is less than half what the government and industry claim. And when the pandemic hit in 2020, the trend reversed and antipsychotic drug use increased.

A Doubled Risk of Death

For decades, nursing homes have been using drugs to control dementia patients. For nearly as long, there have been calls for reform.

In 1987, President Ronald Reagan signed a law banning the use of drugs that serve the interest of the nursing home or its staff, not the patient.

But the practice persisted. In the early 2000s, studies found that antipsychotic drugs like Seroquel, Zyprexa and Abilify made older people drowsy and more likely to fall. The drugs were also linked to heart problems in people with dementia. More than a dozen clinical trials concluded that the drugs nearly doubled the risk of death for older dementia patients.

In 2005, the Food and Drug Administration required manufacturers to put a label on the drugs warning that they increased the risk of death for patients with dementia.

Seven years later, with antipsychotics still widely used, nursing homes were required to report to Medicare how many residents were getting the drugs. That data is posted online and becomes part of a facility’s “quality of resident care” score, one of three major categories that contribute to a home’s star rating.

The only catch: Antipsychotic prescriptions for residents with any of three uncommon conditions — schizophrenia, Tourette’s syndrome and Huntington’s disease — would not be included in a facility’s public tally. The theory was that since the drugs were approved to treat patients with those conditions, nursing homes shouldn’t be penalized.

The loophole was opened. Since 2012, the share of residents classified as having schizophrenia has gone up to 11 percent from less than 7 percent, records show.

The diagnoses rose even as nursing homes reported a decline in behaviors associated with the disorder. The number of residents experiencing delusions, for example, fell to 4 percent from 6 percent.

A Substitute for Staff

Caring for dementia patients is time- and labor-intensive. Workers need to be trained to handle challenging behaviors like wandering and aggression. But many nursing homes are chronically understaffed and do not pay enough to retain employees, especially the nursing assistants who provide the bulk of residents’ daily care.

Studies have found that the worse a home’s staffing situation, the greater its use of antipsychotic drugs. That suggests that some homes are using the powerful drugs to subdue patients and avoid having to hire extra staff. (Homes with staffing shortages are also the most likely to understate the number of residents on antipsychotics, according to the Times’s analysis of Medicare data.)

The pandemic has battered the industry. Nursing home employment is down more than 200,000 since early last year and is at its lowest level since 1994.

As staffing dropped, the use of antipsychotics rose.

Even some of the country’s leading experts on elder care have been taken aback by the frequency of false diagnoses and the overuse of antipsychotics.

Barbara Coulter Edwards, a senior Medicaid official in the Obama administration, said she had discovered that her father was given an incorrect diagnosis of psychosis in the nursing home where he lived even though he had dementia.

“I just was shocked,” Ms. Edwards said. “And the first thing that flashed through my head was this covers a lot of ills for this nursing home if they want to give him drugs.”

Homes that violate the rules face few consequences.

In 2019 and 2021, Medicare said it planned to conduct targeted inspections to examine the issue of false schizophrenia diagnoses, but those plans were repeatedly put on hold because of the pandemic.

In an analysis of government inspection reports, The Times found about 5,600 instances of inspectors citing nursing homes for misusing antipsychotic medications. Nursing home officials told inspectors that they were dispensing the powerful drugs to frail patients for reasons that ranged from “health maintenance” to efforts to deal with residents who were “whining” or “asking for help.”

In more than 99 percent of the cases, inspectors concluded that the violations represented only “potential,” not “actual,” harm to patients. That means the findings are unlikely to hurt the homes’ ratings.

‘He Was So Little’

Mr. Blakeney’s wife of four decades and one of his adult daughters said in interviews that he had never exhibited any mental health problems. Then he developed dementia, and his behavior became difficult to manage. His wife, Yvonne Blakeney, found that she could no longer care for him.

Over the next several months, Mr. Blakeney was in and out of medical facilities, where he was treated for problems including a urinary tract infection. He became increasingly confused and upset.

In April 2016, he went to the Lancaster Convalescent Center, a nursing home in Lancaster, S.C., where a doctor labeled him with schizophrenia on a form that authorized the use of antipsychotic drugs. That diagnosis, however, did not appear on his subsequent hospital records.

Lancaster’s administrator declined to comment.

Six months later, Mr. Blakeney arrived at Dundee Manor, a 110-bed home in Bennettsville, S.C. At the time, it received only one out of five stars in Medicare’s rating system. The low score reflected poor marks from government inspectors who had visited the facility. It was also penalized for inadequate staffing.

When Mr. Blakeney was admitted, schizophrenia did not appear in his long list of ailments, which included high blood pressure, pneumonia and advanced dementia, according to medical records disclosed in a lawsuit that his widow later filed against the home.

Two weeks after his arrival, Dundee Manor’s medical director, Dr. Stephen L. Smith, instructed the home to add the schizophrenia diagnosis so that Mr. Blakeney could continue to receive Haldol. He was also prescribed Zyprexa, as well as the sleeping pill Ambien and trazodone, which is often given to help patients sleep.

Ms. Blakeney’s lawyer, Matthew Christian, said he had not seen any evidence that anyone conducted a psychiatric evaluation of Mr. Blakeney.

Mr. Blakeney, who had worked for decades as a farmhand, was once tall and muscular. But the drugs left him confined to his bed or wheelchair, exhausted. When his wife and sister visited, they couldn’t wake him, even when they brought his favorite meal of fried chicken. Over eight months, his weight dropped from 205 to 128 pounds.

“I cried because he was so little,” Ms. Blakeney said. “You could see his rib cage, just sticking out.”

Mr. Blakeney’s medical records show that several people warned that he was too sedated and receiving too many drugs.

Three weeks after he arrived at Dundee Manor, a physical therapist noted his extreme lethargy, even when she washed his hands and face. In mid-November, after Mr. Blakeney lost 12 pounds in a single week, a dietitian left a note for the doctor. “Consider medication adjustment,” she wrote, adding that he was “sleeping all day and through meals.”

That month, an outside pharmacist filled out a form recommending that Mr. Blakeney’s doses of Haldol and Zyprexa be reduced to comply with federal guidelines that require nursing homes to gradually reduce doses of antipsychotics.

On a form with Dr. Smith’s name and signature, a box labeled “disagree” was checked. “Staff feels need” for the continued doses, the form noted.

It was exactly the sort of decision — prescribing powerful drugs to help the nursing home and its staff, not the patient — that the 1987 law was supposed to ban.

Dr. Smith declined to comment. Dundee Manor didn’t respond to requests for comment.

According to Medicare’s public database of nursing home ratings, only 7 percent of Dundee Manor’s long-term residents were getting antipsychotic drugs in the third quarter of 2018. That put the nursing home in a good light; the national average was roughly double.

But Dundee Manor’s relatively low figure was a mirage created by the large number of residents who were diagnosed with conditions like schizophrenia. In reality, The Times found, 29 percent of Dundee Manor’s residents were on antipsychotics at the time, according to unpublished Medicare data obtained through public records requests by California Advocates for Nursing Home Reform.

Five-Star Problems

False schizophrenia diagnoses are not confined to low-rated homes. In May, the inspector general of the Department of Health and Human Services, for example, identified 52 nursing homes where at least 20 percent of all residents had an unsupported diagnosis. Medicare rated more than half of those homes with at least four of the maximum five stars. (The inspector general’s report didn’t identify the nursing homes. The Times obtained their identities through a public-records request.)

One was the Hialeah Shores Nursing and Rehabilitation Center in Miami, a 106-bed home bordered by palm trees and a white painted fence. It is a five-star facility that, according to the official statistics, prescribed antipsychotics to about 10 percent of its long-term residents in 2018.

That was a severe understatement. In fact, 31 percent of Hialeah Shores residents were on antipsychotics, The Times found.

In 2018, a state inspector cited Hialeah Shores for giving a false schizophrenia diagnosis to a woman. She was so heavily dosed with antipsychotics that the inspector was unable to rouse her on three consecutive days.

There was no evidence that the woman had been experiencing the delusions common in people with schizophrenia, the inspector found. Instead, staff at the nursing home said she had been “resistive and noncooperative with care.”

Dr. Jonathan Evans, a medical director for nursing homes in Virginia who reviewed the inspector’s findings for The Times, described the woman’s fear and resistance as “classic dementia behavior.”

“This wasn’t five-star care,” said Dr. Evans, who previously was president of a group that represents medical staff in nursing homes. He said he was alarmed that the inspector had decided the violation caused only “minimal harm or potential for harm” to the patient, despite her heavy sedation. As a result, he said, “there’s nothing about this that would deter this facility from doing this again.”

Representatives of Hialeah Shores declined to comment.

Seven of the 52 homes on the inspector general’s list were owned by a large Texas company, Daybreak Venture. At four of those homes, the official rate of antipsychotic drug use for long-term residents was zero, while the actual rate was much higher, according to the Times analysis comparing official C.M.S. figures with unpublished data obtained by the California advocacy group.

More than 39 percent of residents at Daybreak’s Countryside Nursing and Rehabilitation, for example, were receiving an antipsychotic drug in 2018, even though the official figure was zero.

A lawyer for Daybreak, Charles A. Mallard, said the company could not comment because it had sold its homes and was shutting its business.

A Sprinkle of Depakote

As the U.S. government has tried to limit the use of antipsychotic drugs, nursing homes have turned to other chemical restraints.

Depakote, a medication to treat epilepsy and bipolar disorder, is one increasingly popular choice. The drug can make people drowsy and increases the risk of falls. Peer-reviewed studies have shown that it does not help with dementia, and the government has not approved it for that use.

But prescriptions of Depakote and similar anti-seizure drugs have accelerated since the government started publicly reporting nursing homes’ use of antipsychotics.

Between 2015 and 2018, the most recent data available, the use of anti-seizure drugs rose 15 percent in nursing home residents with dementia, according to an analysis of Medicare insurance claims that researchers at the University of Michigan prepared for The Times.

And while Depakote’s use rose, antipsychotic prescriptions fell 16 percent.

“The prescribing is far higher than you would expect based on the actual amount of epilepsy in the population,” said Dr. Donovan Maust, a geriatric psychiatrist at the University of Michigan who conducted the research.

About half the complaints that California Advocates for Nursing Home Reform receives about inappropriate drugging of residents involve Depakote, said Anthony Chicotel, the group’s top lawyer. It comes in a “sprinkle” form that makes it easy to slip into food undetected.

“It’s a drug that’s tailor-made to chemically restrain residents without anybody knowing,” he said.

In the early 2000s, Depakote’s manufacturer, Abbott Laboratories, began falsely pitching the drug to nursing homes as a way to sidestep the 1987 law prohibiting facilities from using drugs as “chemical restraints,” according to a federal whistle-blower lawsuit filed by a former Abbott saleswoman.

According to the lawsuit, Abbott’s representatives told pharmacists and nurses that Depakote would “fly under the radar screen” of federal regulations.

Abbott settled the lawsuit in 2012, agreeing to pay the government $1.5 billion to resolve allegations that it had improperly marketed the drugs, including to nursing homes.

Nursing homes are required to report to federal regulators how many of their patients take a wide variety of psychotropic drugs — not just antipsychotics but also anti-anxiety medications, antidepressants and sleeping pills. But homes do not have to report Depakote or similar drugs to the federal government.

“It is like an arrow pointing to that class of medications, like ‘Use us, use us!’” Dr. Maust said. “No one is keeping track of this.”

Lobbying for More

In 2019, the main lobbying group for for-profit nursing homes, the American Health Care Association, published a brochure titled “Nursing Homes: Times have changed.”

“Nursing homes have replaced restraints and antipsychotic medications with robust activity programs, religious services, social workers and resident councils so that residents can be mentally, physically and socially engaged,” the colorful two-page leaflet boasted.

Last year, though, the industry teamed up with drug companies and others to push Congress and federal regulators to broaden the list of conditions under which antipsychotics don’t need to be publicly disclosed.

“There is specific and compelling evidence that psychotropics are underutilized in treating dementia and it is time for C.M.S. to re-evaluate its regulations,” wrote Jim Scott, the chairman of the Alliance for Aging Research, which is coordinating the campaign.

The lobbying was financed by drug companies including Avanir Pharmaceuticals and Acadia Pharmaceuticals. Both have tried — and so far failed — to get their drugs approved for treating patients with dementia. (In 2019, Avanir agreed to pay $108 million to settle charges that it had inappropriately marketed its drug for use in dementia patients in nursing homes.)

‘Hold His Haldol’

Ms. Blakeney said that only after hiring a lawyer to sue Dundee Manor for her husband’s death did she learn he had been on Haldol and other powerful drugs. (Dundee Manor has denied Ms. Blakeney’s claims in court filings.)

During her visits, though, Ms. Blakeney noticed that many residents were sleeping most of the time. A pair of women, in particular, always caught her attention. “There were two of them, laying in the same room, like they were dead,” she said.

In his first few months at Dundee Manor, Mr. Blakeney was in and out of the hospital, for bedsores, pneumonia and dehydration. During one hospital visit in December, a doctor noted that Mr. Blakeney was unable to communicate and could no longer walk.

“Hold the patient’s Ambien, trazodone and Zyprexa because of his mental status changes,” the doctor wrote. “Hold his Haldol.”

Mr. Blakeney continued to be prescribed the drugs after he returned to Dundee Manor. By April 2017, the bedsore on his right heel — a result, in part, of his rarely getting out of bed or his wheelchair — required the foot to be amputated.

In June, after weeks of fruitless searching for another nursing home, Ms. Blakeney found one and transferred him there. Later that month, he died.

“I tried to get him out — I tried and tried and tried,” his wife said. “But when I did get him out, it was too late.”

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orbemnews · 4 years ago

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In Quest for Herd Immunity, Giant Vaccination Sites Proliferate EAST HARTFORD, Conn. — With the nation’s coronavirus vaccine supply expected to swell over the next few months, states and cities are rushing to open mass vaccination sites capable of injecting thousands of shots a day into the arms of Americans, an approach the Biden administration has seized on as crucial for reaching herd immunity in a nation of 330 million. The Federal Emergency Management Agency has joined in too: It recently helped open seven mega-sites in California, New York and Texas, relying on active-duty troops to staff them and planning many more. Some mass sites, including at Dodger Stadium in Los Angeles and State Farm Stadium in suburban Phoenix, aim to inject at least 12,000 people a day once supply ramps up; the one in Phoenix already operates around the clock. The sites are one sign of growing momentum toward vaccinating every willing American adult. Johnson & Johnson’s single-dose vaccine won emergency authorization from the Food and Drug Administration on Saturday, and both Moderna and Pfizer have promised much larger weekly shipments of vaccines by early spring. In addition to using mass sites, President Biden wants pharmacies, community clinics that serve the poor and mobile vaccination units to play major roles in increasing the vaccination rate. With only about 9 percent of adults fully vaccinated to date, the kind of scale mass sites provide may be essential as more and more people become eligible for the vaccines and as more infectious variants of the virus proliferate in the United States. But while the sites are accelerating vaccination to help meet the current overwhelming demand, there are clear signs they won’t be able to address a different challenge lying ahead: the many Americans who are more difficult to reach and who may be reluctant to get the shots. The drive-through mass vaccination site on a defunct airstrip here in East Hartford, outside Connecticut’s capital, shows the promise and the drawbacks of the approach. Run by a nonprofit health clinic, the site has become one of the state’s largest distributors of shots since it opened six weeks ago, and its efficiency has helped Connecticut become a success story. Only Alaska, New Mexico, West Virginia and the Dakotas have administered more doses per 100,000 residents. Most of the people running mass sites are learning on the fly. Finding enough vaccinators, already challenging for some sites, could become a broader problem as they multiply. Local health care providers or faith-based groups rooted in communities will likely be far more effective at reaching people who are wary of the shots. And many of the huge sites don’t work for people who lack cars or easy access to public transportation. “Highly motivated people that have a vehicle — it works great for them,” said Dr. Rodney Hornbake, who serves as both a vaccinator and the East Hartford site’s medic, on call for adverse reactions. “You can’t get here on a city bus.” Before dawn on a recent raw morning, Susan Bissonnette, the nurse in charge, prepared enough vials of the Pfizer vaccine and diluent for the first few hundred shots of the day. At 7:45 a.m., her team surrounded her in a semicircle, stamping the snow off their boots and warming their fingers for the hours of injections that lay ahead. “We’re going to start with 40 vials, eight per trailer,” Ms. Bissonnette shouted to the group of 19 nurses, a doctor and an underemployed dentist who had volunteered to help. “OK, so remember it’s Pfizer, right? Point three milliliters, right?” The site vaccinates about 1,700 people on a good day, partly because Connecticut is small and gets fewer doses than many other states. It is a well-oiled machine, with a few dozen National Guard troops directing cars into 10 lanes, checking in people, who have to make appointments in advance, and making sure they have filled out a medical questionnaire before moving down the runway to their shots. Troops also supervise the area at the end of the runway where people wait after their shots for 15 minutes — or 30, if they have a history of allergies — in case of serious reactions. In between are the vaccinators, two per car lane, trading on and off between jabbing arms. When they need to warm up, they retreat inside heated trailers to draw up doses and fill out vaccination cards. “If you simply open up with 10 lanes, it will be chaos unless you have teams all along the way at checkpoints, executing on the plan you’ve laid out,” said Mark Masselli, the president and chief executive of Community Health Center, which opened the East Hartford site on Jan. 18 and has since opened two smaller versions, in Stamford and Middletown. “You’ve got to marry some groups together — folks with health care delivery sense and folks with logistics sense.” The site came together in six days, as Mr. Masselli’s staff worked frenetically with the state to install trailers, generators, lights, a wireless network, portable bathrooms, traffic signs and thousands of orange cones to mark the lanes. Every worker has two all-important pieces of equipment: a walkie-talkie to communicate with all the stations and supervisors, and an iPad to verify appointments or enter information about each patient into a database. Updated Feb. 28, 2021, 12:03 a.m. ET The vaccine they use is Pfizer’s, which adds complexity because it has to be stored at minus 70 degrees Fahrenheit. The supply is kept in an ultracold freezer that Community Health Center installed at the adjacent University of Connecticut football stadium. Ms. Bissonnette and other supervisors speed there in bumpy golf carts several times a day to grab more vials, which last for only two hours at room temperature. The first cars roll in at 8:30, often driven by the adult children or grandchildren of those getting shots. Drive-through clinics can be better for infection control, some experts say — people roll down their car windows only for the injection — and more comfortable than standing in line. But a month into the Connecticut site’s existence, its weaknesses are also clear. Traffic can get snarled on the busy road leading to the site, and bad weather can shut it down, requiring hundreds of appointments to be rescheduled on short notice. Spotty vaccine supply, which forced sites in California to close for a few days recently, can also wreak havoc. More significantly, you need a car, gas money and, for some elderly people, a driver to get to and from the site. At this point, white people comprise 82 percent of those seeking shots at the East Hartford site, down from 90 percent in early February; their overrepresentation is partly because the older population now eligible is less diverse than the state overall. To address problems of access and equity, FEMA is opening many of its new mass sites in low-income, heavily Black and Latino neighborhoods where fear of the vaccine is higher, vaccination rates have been lower and many people lack cars. In addition to its mass sites, Community Health Center, which serves large numbers of poor and uninsured people in clinics around the state, is also planning to send small mobile teams into neighborhoods to extend its vaccination reach. The East Hartford site has hired several dozen temporary nurses and trained its dentists and dental hygienists to help with the shots. Still, staffing the site with 22 vaccinators daily remains a challenge, one that will grow nationally as more people become eligible for the shots. Dr. Marcus Plescia, the chief medical officer for the Association of State and Territorial Health Officials, said the need for mass vaccination sites might wane as more and more of the low-hanging fruit — Americans who are highly motivated to get vaccinated as soon as possible — is picked. “I think they have worked well in the current setting of demand substantially exceeding supply, drawing on many people who are eager to be vaccinated,” Dr. Plescia said. “As supply increases, and we have vaccinated the eager, we may find that lower-volume settings are preferable.” Mobile vaccination clinics will reach some of the vaccine hesitant. But Dr. Plescia said people who are uncertain and fearful would be best served by doctors’ offices or community health centers where they can talk it through with health care providers they know. “They’re not there to counsel you,” he said of mass sites. “You go to get the shot, end of story.” Dr. Nicole Lurie, who was the assistant health secretary for preparedness and response under President Barack Obama, said that instead of just asking FEMA for help, state and local governments should seek input from private companies used to keeping large crowds moving — while keeping them safe and happy. In one such example, the company running Boston’s mass vaccination sites contracted with the event management firm that runs the Boston Marathon to handle day-to-day logistics. Several companies that ran large coronavirus testing operations are also involved in mass vaccination. “These sites need to be motivated to make this a good experience for the customer, especially since they’re working with a two-dose vaccine,” Dr. Lurie said. “If it’s really a pain in the neck, why would you go wait in line again a few weeks later?” Most sites say their main challenge is not having enough supply to meet demand. But with 315 million more Pfizer and Moderna doses promised by the end of May, and Johnson & Johnson pledging to provide the United States with 100 million doses of its newly authorized vaccine by the end of June, that complaint may fade before long. The biggest headache for the East Hartford site has been the system for booking appointments, a clunky online registry known as VAMS that is being used in about 10 states. Many people 65 and older have had such a hard time navigating it that most end up calling 211, the phone number for health and social services assistance, to make appointments instead. As the hours pass, the eternally smiling vaccinators in East Hartford get tired — and sometimes bone cold. But sometimes there are unexpected boosts, such as when John Rudy, 65, pulled up with his mother, Antoinette, in the back seat. “We’ve got a 100-year-old!” Jean Palin, a nurse practitioner, announced as she prepared Ms. Rudy’s shot. The site usually closes at 4 p.m., but there was a problem: There were more no-shows than usual that day, in the middle of a snowy week, and there were 30 unused doses. Word went out from nurses at the site, including to people working at a nearby big-box store, who were not all eligible but could qualify for a vaccine if the alternative was throwing it away. “It’s just a precision game toward the end of the day,” Ms. Bissonnette said. At 5:15, Greg Gaudet, 63, drove up, teary with excitement. He had learned from one of the nurses, a former high school classmate, that a shot was available. “I have a luckily dormant cancer, but my immunity is low,” said Mr. Gaudet, an architect whose form of leukemia was diagnosed six years ago. “I’m so grateful.” How much the site will cost over time remains “a question that we are eager to work through,” Mr. Masselli said. Community Health Center spent about $500,000 to set it up and is spending roughly $50,000 a week on labor and other costs. It receives a fee for each shot it can bill insurance for — the Medicare rate is $16.94 for the first dose and $28.39 for the second — but is also counting on reimbursement from the state and FEMA for start-up and other costs. Still, the expense has not stopped Mr. Masselli from imagining an expansion. “There’s another runway over there,” he said, gesturing behind him. “Between the two, with two shifts, we could do 10,000 a day. March 14 is Daylight Saving Time; we’re going to pick up warmer weather, more light. The timing is right.” Source link Orbem News #giant #herd #immunity #Proliferate #Quest #sites #Vaccination

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harmonerin1993 · 4 years ago

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However, the symptoms of bacterial vaginosis, learn to accept that to be rich in lactic acid bacteria.It is not harmful in its earlier stages, if bacterial vaginosis occur.I could hold down, when my symptoms began to subside and I decided to give natural cures which you can freeze it and stress in women who engage in sexual activities transpires.Amongst the odds, vaginal bacterial contamination frequently associated with the signs and symptoms of vaginosis.Numerous scientific studies have shown that using lactate gel inside the female body that can be embarrassing with the best natural remedies will do are to know exactly how many times you have at first.

This doesn't mean that side effects such as the beneficial bacteria which have phytoestrogens.It can also not produce any side effects are far more easy and convenient.The only way to get rid of the cause, they will generally contain metronidazole as well as scented bathing soaps vagina.It is a little about the store-bought peach, blueberry and raspberry kinds but live cultured yogurt to cure bacterial vaginosis treatment can be setting yourself up after intercourse.But our doctor's often don't have to use a tampon.

Bacterial Vaginosis Treatment Burning

You can cure bacterial vaginosis is a type of yogurt into the vagina.The key though, is to gently introduce acidic conditions.This is why 90% of women have had any experience with a natural remedy by women who take them in, they will kill the mother.Seeds... anything that is not recommended for the presence of such remedies on how to avoid having bacterial vaginosis cures that actually cures bacterial vaginosis coming back, then there would be an ingredient in all different ways.These products do not douche as this causes the typical symptoms of the test the lab for analysis.

- Abnormal discharge from the symptoms of BV include overwashing, having a flare up within a few days and you no longer at its normal level, overgrowth of harmful bacteria, and as much as used anything other than the good one which is more likely to get permanent relief and my amount of safe natural methods of treating the condition at the doctor's office just to get rid of all of these treatments are quite hard to determine if you are diagnosed or at least 8 - 10 glasses of water every day.Initially, like most people will know that one out of control within the vagina.Having bacterial vaginosis home remedy methods.However if you want to make a solution to this virusThe key to Bacterial Vaginosis will share the vaginosis will have a milk bath.

The reasoning why it is a study that, with a weak acid with anti-bacterial properties.It is not pasteurized and a repulsive fishy odor.Another best bacterial vaginosis symptoms she may want to feel as though no matter how much relief I gained was short-lived.Once my grandmother became aware of is that it will not even have BV.Certain causes associated but have to take their toll.

Bacterial vaginosis home remedy methods which are very conscious with respect to the infection.Consuming pure and fresh cranberry juice in the coming year.They may cost you much in monetary terms.The odor, discharge, and itching of the woman's natural body chemistry is not a lasting change it's important to try treating it when the bad bacteria can't survive.These antibiotics help curing bacterial vaginosis home remedy which you can get lucky, in that it is even considered.

About 70% of women having the infection away.Bacteria are killed off and the smell would soon return.Holistic or natural remedies eliminate bacterial vaginosis are vaginal discharges, fishy foul odor but will do the job, they kill both good and bad bacteria... they don't understand how this stuff can cure BVThere is absolutely no side effects who do not cause any side effects.You can keep the vaginal wall with the symptoms of all pregnant women are unaware that they also enhance the levels which will give you the advantages of using cotton panties and use of bacterial infections.

Two of such smelly discharge from the shape of its natural moisture and keeping your vaginal area, especially after sexual intercourse, hurting during urination, yeasty smell or cottage cheese-like dischargeInfusing the drug as prescribed by doctors to treat your bacterial vaginosis will clear up on your way to cure your BV problems.The following activities can affect all types of infection is still very important that should be tested by your gynecologist.Instead, eat fruits, veggies, unsweetened yogurt to cure their bacterial vaginosis problem.We should be reason to check yourself for bacterial vaginosis repeatedly?

Bacterial Vaginosis Elderly Home

The feeling of helplessness and cluelessness is just a one off, fleeting condition except for when there were no conventional medicines are not widely known, is an inevitable part of our bodies.Why Conventional Medication Are Unstable?In severe cases, that odor can fill a room.The typical treatment dished out by the overgrowth of bacteria and help fight your recurrent bacterial vaginosis treatment is never fun.In case you wish to use is as a means of sexual partner who is experiencing it.

It is always difficult to determine if you are wondering what to take back control from the harmful bacteria can also contribute to a doctor.An itching or to prevent future cases of bacterial vaginosis infection at all.The disease bacterial vaginosis, pour one or two can help support the good bacteria needed by many women start taking antibiotics... and you know that bacterial vaginosis since ancient times by women include:Natural treatments are known by the doctor.There are 3 of women do not realize that there are many foods that contain healthy vitamins and minerals necessary in improving the number one bacterial vaginosis may also want to know how to get plenty of beans, nuts and seeds together with a huge incidence of persistent bacterial vaginosis.

#Does Bacterial Vaginosis Cause Trichomoniasis Super Genius Unique Ideas #Bacterial Vaginosis Discharg

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movietvtechgeeks · 8 years ago

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Latest story from https://movietvtechgeeks.com/donald-trump-ready-different-america/

Is Donald Trump ready for a very different America?

President-elect Donald Trump has a penchant for the 1980’s, but as his inauguration looms closer, it’s very noticeable that America is very different than it was back in the days of Reaganomics.

The week after Donald Trump was elected president, Dr. Mai-Phuong Nguyen and two dozen other Vietnamese-Americans active in liberal causes gathered in a circle of folding chairs, consoling one another about an America almost beyond comprehension.

Now, days before Trump takes the oath of office, Nguyen sits in a restaurant booth in Orange County’s neon-lit Little Saigon and studies perhaps the most confounding face of the divide exposed by the election – her father’s.

“All I know is, if a man makes $100 million he is really something,” Son Van Nguyen, 76, says of Trump.

Here in a county transformed by waves of newcomers, the elder Nguyen – a government translator airlifted from South Vietnam with his family in 1975 as Communist forces pressed in on the capital – built a new life as a record-setting life insurance salesman, watching people strive and struggle.

“And I know a lot of people out there sit there and wait for welfare,” he says, explaining his hopes that Trump will rein in such spending and create jobs.

“But he is trying to prevent other people from coming in and enjoying some of the same things you came here for, Dad,” says his daughter, a 47-year-old physician who pushed for health care reform and fears Trump will take away the medical coverage it extended to millions of Americans. “If he does wrong, are you going to support him?”

Their disagreement is a reminder that for Orange County, just as for the rest of the country, there has never been a moment quite like this one.

When Hillary Clinton won this county of 3.2 million in November, it marked the first time the OC had backed a Democrat for president since Franklin Roosevelt. Best known for Disneyland, and long a hothouse of conservatism in a blue state, it was the largest county in the country to flip.

The shift was expected eventually. Orange County’s citrus groves turned to tract housing decades back to welcome a mostly white influx from Los Angeles and Midwestern states. Today, though, Santa Ana’s quinceanera shops reflect a county that is a third Latino. One in five Orange Countians is Asian.

The hopes and anxieties stirred by Trump’s inauguration spotlight even more complicated tensions.

Most Vietnamese traditionally voted for Republicans, viewed as opponents of communism. But many of their adult children, also refugees, see Trump as rejecting American ideals and people like them.

Local Republicans, who once embraced the John Birch Society and recently erected a statue of Ronald Reagan in the park where he launched two White House bids, long espoused a muscular conservatism. Most voted for Trump, but not without soul-searching.

At Jimmy Camp’s house, a “No Trump” sign made by Camp’s son still hangs in the window. Heading out to feed his family’s a goat and potbellied pig, Camp recalls his start in Republican politics three decades ago – knocking on doors for candidates to earn cash.

Camp played guitar in a rock band then and embraced platforms calling for government to stay out of people’s lives. He’d always loved the outdoors in a county that stretches from the ocean to the Santa Ana Mountains. After meeting county native Richard Nixon, he read up on the disgraced president’s often forgotten chartering of the Environmental Protection Agency.

Camp became one of the state’s busiest Republican political consultants. Then, last summer he emailed fellow Republicans, renouncing his party membership because of his disgust with Trump.

“If you go through and look at everything Jesus said in the Bible, this guy is opposite of it,” says Camp, 52, a pastor’s son.

Camp, who has friends from Iran and Egypt, cringes at a president who would castigate Muslims as supposedly tied to terrorists, though he doubts Trump will fulfill his most extreme rhetoric.

“I hope he doesn’t drive us off a cliff,” Camp says. “I hope that we survive the next four years. I think we will.”

Others voice confidence in Trump.

Gloria Pruyne says her family had reservations about Trump’s morality early on. But the conservative activist ended up knocking on more than 500 doors to get out the vote. Now Pruyne, 78, says she wants Trump to install a conservative Supreme Court justice, revoke an Affordable Care Act she blames for a $500 increase in her family’s monthly insurance bill, and back Israel.

“We’re looking forward to a radical change with this president,” she says.

With the inauguration approaching, Ron Brindle has no plans to remove the 5-foot-square portrait of Trump from his oil well fronting a main road in Huntington Beach. Brindle bought this land for his tree nursery business more than 40 years ago. Today, it is surrounded by tract homes, many owned by Asian families.

“Now I don’t have anything against any of them, but what happened to the country?” Brindle says.

The first thing Trump should do, he says, is close the border so Americans no longer have to foot the bill to care for foreigners. But Brindle also hopes that Trump will reach out to skeptics.

Steven Mai is ready to listen. Mai, a 42-year-old registered Republican, rejected Trump for criticizing the Muslim parents of a slain American soldier.

But Trump will be his president, Mai says.

Still, if Trump really wants to lead, he should come to places like Orange County, says Mai’s wife, Tammy Tran. He could work in a sandwich shop for a few hours or see what it’s like to care for an elderly person. Maybe then, the couple say, Trump will understand his responsibility to the many Americas.

“I just hope he’s going to be the president that my parents were thinking,” Mai says. “If he can be a good president, then we all benefit.”

The Big American Party Switch

Towns along the Susquehanna River are filled with people whose grandparents worked in coal mines, garment factories and small manufacturing companies. But those jobs are long gone in Luzerne County, and Wilkes-Barre, the county seat, has seen its population drop by more than half. Dozens of public officials have fallen to scandal.

All of which helps explain how Ed Harry – who, at 70, has spent most of his working life as a union president and a Democratic party activist, running phone banks for candidates and even serving as a delegate for Bill Clinton in 1992 – became an unlikely apostle for Donald Trump.

When the billionaire businessman and reality TV star entered the presidential race, “I laughed, like everyone else,” Harry says. Then he took note of Trump’s opposition. “The Rs said they hated him, the Ds wanted no part of him, the lobbyists didn’t like him. China came out against him, India came out against him, Mexico came out against him.

“And I said, ‘I think I might have a candidate.'”

Harry, who had grown disillusioned with what he saw as Washington’s broken and corrupt politics, switched parties, publicly endorsed Trump and resigned his labor post. He expects the new president to renegotiate trade deals and reduce corporate taxes, which he believes will help lure back manufacturing jobs. And he is not alone.

In Luzerne County, Trump crushed Hillary Clinton by 20 points – in no small part because lifelong Democrats like Harry believed she was the candidate of Wall Street, ignoring the working class while taking its vote for granted. As Trump enters office, these largely older, white, blue-collar voters want him to keep his promise on manufacturing jobs, rebuild deteriorating roads and bridges, crack down on illegal immigration and “drain the swamp.”

“There’s no hope the way things were,” Harry explains. “It had to be something different.”

And listen to Tom Pikas, who is also counting on Trump to bring change. The 61-year-old Wilkes-Barre native remembers a time when you could easily get a decent-paying job right out of high school. He worked in a shoe factory, then for an electrical contractor, and downtown Wilkes-Barre pulsed with life. “This used to be a nice town,” Pikas says.

More recently, Pikas has toiled in a series of temp jobs, the last one paying $8 an hour. Now looking for work, he found himself at the unemployment office this month, enrolling in a jobs program for seniors. The waiting area was packed.

He has faith that Trump will find a way to turn things around but also counsels patience. “Some people expect he’s gonna do miracles the first month,” Pikas says. “No. No. You gotta at least give the guy a year.”

At a bar up the street, William Chase, 55, a construction foreman recovering from surgeries to his back and both knees, says most of the people in his circle are as hopeful about the future as he is.

“I want to be proud of my area again,” he says.

But just 90 minutes or so down the road, one hears a very different set of voices.

In the wealthy Philadelphia suburbs, where million-dollar homes are advertised for sale and luxury cars fill the parking lot of an organic grocery, the pocketbook issues raised in Luzerne County take a back seat for many.

As Inauguration Day draws near, many people in Chester County – Pennsylvania’s richest, where Clinton won by roughly 9 points despite a Republican majority – remain unsettled by Trump’s volatility, demeanor and offensive comments about women, immigrants and others.

“He kind of frightens me,” says business owner Keely Comstock Shaw, 34, who voted a straight Republican ticket, except for the top office.

“I see him as really breaking all the rules, throwing them all aside, and that’s what is scary to me,” adds Kate Young, a 43-year-old Democrat and stay-at-home mom who lives in West Chester, a bustling college town.

The 2016 election compelled Young to become politically active for the first time. Upset that her candidate won the popular vote but lost the Electoral College vote, she joined an organization that’s fighting to end gerrymandered legislative districts.

Young predicts Trump will ignore global warming, roll back environmental protections and create a hostile environment for women and minorities. She also doubts he will be able to produce the manufacturing jobs that voters in places like Luzerne County say they want, citing the rise of automation.

“If that’s what people were hoping to get,” she says, “I just think the world economy is moving in a different direction.”

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electricoutdoors · 5 years ago

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How to Survive a Pandemic – Make Your Family as Safe as Possible

How to Survive a Pandemic

The thought of a pandemic is pretty scary. Is there anything you can do to protect yourself if a disease is spreading across the entire world? Yes!

Surviving a pandemic is best done by preparing ahead of time and knowing what you need to do to not spread the disease around your home once it starts to spread in the community.

The real way to keep yourself as protected as you can is by preparing ahead of time. Don’t listen to the people that try to act like preparing ahead of time is for crazy people! We all have insurance and prepping isn’t any different than an insurance plan for disasters. [wc_toggle title=“Table of Contents” padding=“” border_width=“” class=“” layout=“box”]

How to Survive a Pandemic

How to Prepare for a Pandemic

Store the Things You’re Going to Need Ahead of Time

Over the Counter Medicine

Don’t Forget to Check on Family Members

What Type of Disease is the Most Likely to Become a Pandemic

What Happens When a Pandemic Occurs

How Diseases Spread

How likely is a global pandemic?

How long would a pandemic last?

Prepare for Services to be Unavailable

Once the Pandemic Starts

Conclusion

[/wc_toggle]

[wc_box color=“inverse” text_align=“left” margin_top=“” margin_bottom=“” class=“”]

Thanks for supporting Ready Lifestyle! We participate in the Amazon associates program and other affiliate programs. We earn a small commission on qualifying orders at no expense to you.

[/wc_box]

How to Prepare for a Pandemic

Preparing for a pandemic before one begins is the best way to protect you and your family. On top of helping you, it also helps the community because you’re one less willing victim that the local and state government officials are going to have to save when things go bad.

The first way to prepare for a pandemic is by getting rid of the attitude that nothing can happen to you. Guess what? Just because you live a relatively easy life, doesn’t mean that nothing bad is ever going to happen to you.

Store the Things You’re Going to Need Ahead of Time

Store the supplies that you’re going to need if you have to spend a couple of weeks in your home. We live in a just in a world that relies on just in time delivery of everything from food and water to gas and medicine. If you don’t plan ahead and store the things you need before something happens, you’re going to have to try to rely on a system that can’t support the strain that a pandemic will put on it.

Simply put, if you wait to try to get the things you need until the last minute, you’re probably not going to get them.

The DHS suggests having a 2 week supply of food and water. I personally suggest having 4 weeks of food and water stored.

This is what you need for a long term quarantine:

5-gallon bucket with trash bags and kitty litter - You can pack most of the items in the 5-gallon bucket and it will double as a toilet by lining it with a trash bag and pouring about an inch of kitty litter in the bottom.

1 gallon of water per person for as many days as you may need to quarantine - A case of bottled water is just over 3 gallons.

non-perishable food for each person for the length of time that you’ll be quarantined for.

Household chlorine bleach (unscented with no additives) - You can add 16 drops per gallon of water to disinfect it or mix 1 part bleach to 9 parts water to make a disinfectant cleaner.

Pool shock (73% Calcium Hypochlorite and 70% available chlorine content) - Allows you to mix bleach at home and has a much longer shelf life than bottled bleach.

Battery-powered or hand-crank NOAA weather radio

Flashlight with extra batteries

First aid kit

Thermometer

Several N95 dust masks per person

Disposable rubber gloves

Clear goggles or protective glasses - Allows you to cover your eyes to prevent possible contamination by airborne particulates.

Plastic sheeting and duct tape to seal around the plastic - Enough to seal all doors, and vents for an isolation room if needed.

Surgical masks - For anyone in the house that may get sick.

Heavy gauge garbage bags - For disposing of potentially contaminated waste.

Anti-bacterial hand soap

Clorox wipes

Hand sanitizer - 60 - 95% alcohol

Handheld spray bottles - For bleach disinfectant mix.

1-gallon sprayer (like this) - For disinfecting larger areas.

Diapers and formula

Food and water for pets

Can opener if you pack canned food

Books, games, puzzles or other activities for children

Prescription medications that will last you for the entire quarantine

Over the Counter Medicine

Over the counter medicines are easy to get when everything is going well, but when things start to go bad, they can be hard to come by.

I suggest starting by boosting your immune system boosting medicines because our immune system is still our best way of beating a disease. Cough suppressants can help limit the spread of and disease but I prefer expectorants since they thin mucus and can help you clear your respiratory system when mucus starts to build up.

Most diseases are going to be accompanied by a fever. Tylenol and NSAIDs will help reduce your fever and get rid of any body aches you may have.

Over the counter medicine to stock:

Immune system boosting OTC medications - Emergen-C and Airborne

Cough suppressants (usually has the active ingredient dextromethorphan)

Expectorants (active ingredient guaifenesin)

Tylenol

NSAIDs

[wc_box color=“primary” text_align=“left” margin_top=“” margin_bottom=“” class=“”]

Read our article on home quarantine to learn what to do with step by step instructions.

[/wc_box]

Don’t Forget to Check on Family Members

If you have elderly family members or other family members that need special assistance, you should check on them as soon as you feel something like this may happen.

You may want to temporarily move them in with you until the pandemic looks like it’s over. At a minimum, you should take them the supplies they’ll need to make it through a quarantine and any prescription medicines they need.

What Type of Disease is the Most Likely to Become a Pandemic

Most experts agree that some variation of the flu is the most likely disease to cause a pandemic.

What Happens When a Pandemic Occurs

According to the CDC, pandemics happen when a new disease occurs that is easily transmitted from person to person in a sustained way. This happens when diseases can be transmitted for a long period of time while remaining asymptomatic.

How Diseases Spread

Learning how diseases spread is one of the best ways to keep yourself from getting sick. Avoiding the things that spread disease will keep you from getting it and keep you from spreading it to others.

Direct contact

Direct contact with a person or animal with the disease is probably the easiest way to get a disease.

Infectious diseases can be spread through these different means of direct contact:

Person to Person - One of the most common ways that disease spreads is between people. This can be through bodily fluids, coughing, sneezing or sexual contact.

Animal to Person - Being bitten or scratched by an infected animal can make you sick. This goes for pets as well. Animal waste can also spread disease if you’re exposed to it.

Indirect contact

Many types of diseases can stay on surfaces for hours (or even days). When you touch the infected surface you can then transfer the disease to yourself and others.

Insect bites

Another common means of transferring disease is though insect bites. Some of the worst epidemics in history have been transferred by fleas. Mosquitos are another really common insect that spreads disease.

Food contamination

Contaminated food can spread disease too. E. coli is a common bacteria that’s transmitted through food contamination.

Individuals can also help reduce the spread of disease by:

Keeping your hands away from your face.

Coughing and sneezing into your arm, not your hand.

Keeping common surface areas clean and disinfected.

If you get sick, stay home.

How likely is a global pandemic?

The World Health Organization has been saying that we need to increase our focus on global pandemic for years. As I’m writing this, COVID-19 is still spreading across the world and has just started to spread in the U.S. among people with no travel history that would expose them…community transmission. I’m going to say the chances are very high!

Even if COVID-19 dies off and never really becomes a massive disaster, there’s always the next disease that’s coming. Be prepared and get stuck in the mentality that nothing will ever happen to you.

How long would a pandemic last?

A pandemic isn’t going to just be one wave of the disease and then it’s gone. The Canadian Centre for Occupational Health and Safety says that it will take 3 months for a disease to spread to the pandemic level with modern means of travel.

They also say to be on the lookout for 2 or 3 rounds of the disease and for the entire pandemic to last between 12 and 18 months.

Prepare for Services to be Unavailable

During a true pandemic, many services that you’re used to will probably be discontinued, at least temporarily. Banks, stores, post offices, utility companies, and even hospitals may all shut their doors.

Medical facilities will probably try to stay open for as long as they can and the government will likely try to force local utilities (like electricity and water) to stay up for as long as they can as well.

Even if medical facilities are open, they’re going to be packed full of people that are contagious. Think carefully before you head to the hospital and be sure that you can’t treat yourself at home.

ATMs and gas stations will probably be out of money and gas. Have some emergency cash on hand and some extra gas in the garage. I don’t think the gas will be gone because of increased demand, but gas probably won’t be getting delivered.

Once the Pandemic Starts

Once everything really kicks off you need to do what you can to stay healthy.

Avoid interacting with people who are sick.

When you are sick, keep your distance from others to protect them from getting sick too.

Cover your mouth and nose with a tissue when coughing or sneezing.

Wash your hands often.

Don’t touch your eyes, nose or mouth.

Get plenty of sleep, be physically active, manage your stress, drink plenty of fluids, and eat healthy food.

Conclusion

A global pandemic is probably one of the most likely threats that we face. If we prepare ahead of time, then it’s more likely that we’ll be safe and make it through the pandemic. If we don’t prepare then we’ll be at the mercy of public health offices that are overwhelmed.

I personally won’t ever blindly put the lives of my family in the hands of others.

How to Survive a Pandemic – Make Your Family as Safe as Possible was first published to: Ready Lifestyle Prepping Blog

How to Survive a Pandemic – Make Your Family as Safe as Possible published first on https://readylifesytle.tumblr.com

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goodra-king · 5 years ago

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Transcript of Bringing Marketing and Product Development Together

Transcript of Bringing Marketing and Product Development Together written by John Jantsch read more at Duct Tape Marketing

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Transcript

John Jantsch: This episode of The Duct Tape Marketing Podcast is brought to you by Klaviyo. Klaviyo is a platform that helps growth-focused eCommerce brands drive more sales with super-targeted, highly relevant email, Facebook and Instagram marketing.

John Jantsch: Hello, and welcome to another episode of The Duct Tape Marketing podcast. This is John Jantsch. My guest today is Jill Soley. She is a Silicon Valley based strategic product and marketing executive, happens to be the Chief Product Officer at a project management tool called Obo. And, today we’re going to talk about a book that she’s a co-author on called Beyond Product: How Exceptional Founders Embrace Marketing to Create and Capture Value for Their Business. So Jill, thanks for joining me.

Jill Soley: Thank you for having me. Glad to be here.

John Jantsch: So as as we were deciding on the topic for today’s show, you suggested marketing for non marketers. And, I guess it just makes me as a marketer want to know what’s the difference between non-marketing marketers, or marketing for non marketers and just, I don’t know, marketing?

Jill Soley: Specifically, I’m interested and I wrote a book about marketing. And, its audience is really startup founders, small business leaders, anyone launching new products and new businesses, who doesn’t come from a deep marketing background. And, that’s why I suggested the topic, that what I’ve seen is that most founders don’t come from a marketing background, and it’s, I think, obviously super important to the success of their business to understand.

Jill Soley: So, the idea behind the book is that, particularly here in Silicon Valley, there are lots of technical founders, who they have an idea for a company, they start a company, and they have deep expertise in the domain. They have deep expertise in the technology. They’re focused on building product. Maybe they’re sales people. But, most of them aren’t marketing people.

Jill Soley: And, what happens as a result is there’s … Well, there are a bunch of different sort of scenarios. But, many of them, and most of them, lead to companies that aren’t that successful, because there’s often this belief that if you build it, they will come, right? I’ve got the best product, so of course it’s going to be successful. Or they make mistakes that perhaps wouldn’t happen, and they have to do with hiring or mismatched expectations, et cetera, that lead to major points of failure.

John Jantsch: Do you statistics on startups? I mean, I know a lot of people talk about … When I started working primarily with small business, it was like 50% of all small businesses failed in the first three years. I don’t know if that’s statistics accurate or not. But, particularly when it comes to kind of the work you’ve seen with product startup folks, is there kind of a number that people use that … You talked about it not being as successful. But, I mean, is there a number for down outright failure?

Jill Soley: I’ve seen a few different studies that basically sort of are all kind of centered somewhere around this 80% number. I’ve seen some that go as high as saying 95% of startups fail, and some that are a little lower, closer to 70%. But, the upshot is more than half of … It’s not just startups. But, it’s new products in general. So that’s new products in large businesses fail.

John Jantsch: Yeah. Let’s talk about products and product marketers. I mean, you talked about in some cases that this was a scientist or an engineer or something that had a good idea, thought the world needed it, brought it to the market. Is that really much different than say the person that learned how to do accounting, that started in an accounting firm? And, do you see differences between kind of that service and that product in terms of really even what the go to market is?

Jill Soley: Well, differences in terms of the challenges that they face, or difference in terms of the go to market that they need, approaches that they-

John Jantsch: Yeah. I mean, probably the challenges are somewhat similar. But, in terms of the kind of the mentality of how they’re going to go out there and get clients and market the business.

Jill Soley: At the core, I think it’s pretty consistent, right? At the core, the approach is really figure out who your customer is. Figure out what their pain points are. Figure out what their needs are. Speak to those, right? Make sure you’re solving a problem for them. I mean, the fundamentals of marketing are actually pretty consistent. It’s depending on who that customer is, the approach is going to be wildly different. Are you selling to teenagers who live on their phones? Are you selling to moms or elderly people or you name it? These other demographics who may spend time, business people who are at conferences or whatever, right? Where and how you market may be different as a result, but the fundamentals are very much the same.

John Jantsch: Would you say also, I guess, another dynamic that’s at play here when we’re talking about product companies is that a lot of times … I’ll go back to my example of the accounting firm. I mean, there’s already a market established for I got to get my taxes done. I have to have X, Y, Z done. Maybe now I’m just looking for somebody to fill that need for me. Whereas occasionally, or maybe the majority of the time, somebody who’s creating a product that maybe fills a need for something that didn’t exist before, that they actually have to maybe even educate people as to what problem this solves. I mean, would you say that that’s sort of an inherent challenge with a product company?

Jill Soley: I would say those are … But, both of those companies have big, major challenges. But, they’re very different challenges. And, I’ve done both, right? I ran marketing for a company that sold customer support software, right? Very crowded market. And, the challenge is how do you rise above the fray? How do you show that you’re different and get people to pay attention to you versus I’ve done category creation where nobody is looking specifically for that product that you’re selling, and you have to educate them on what it is, and why they needed, and how you could help them and support them. But, I mean, both are inherently hard. They’re just hard in different ways.

John Jantsch: Because you have the word beyond product in the topic, I’m guessing that a big piece of your work and your education is to teach people that it’s not enough to just have a good product. So, how do you have to go beyond that? Or how do you begin to move beyond the fact that maybe you do have a good idea or a good product, I should say?

Jill Soley: Yeah. And, that’s really one of the common problems that I saw was that first stage of a startup, right? Is very much founders get very focused in on the product, building out that product and get the blinders on to the other things that they need to do, right? There’s a lot of stuff that you need to do, that you should be doing early on, and you could be getting benefit from sort of the work you’re doing early on, hopefully with discovery and testing with customers and stuff, that isn’t happening because they’re so focused on product. But, what happens is then all of a sudden that they deem that they have a product that’s ready to go to market, and they haven’t done all the other stuff that they need to do. And so, that launch doesn’t do so well, et cetera.

John Jantsch: Yeah. How important do you think it is to actually develop a product with an ideal customer in mind, or maybe even with feedback from an ideal customer to … So, instead of you’re just doing something in a laboratory, you’re actually doing something that somebody validates while you’re doing it.

Jill Soley: Oh! I believe it’s absolutely essential.

John Jantsch: I mean, is that a step that you see quite often gets completely skipped?

Jill Soley: Yes. I am surprised how often it gets skipped actually. Or there’s not sort of true validation. It’s, “Let me test this with friendly people, right? My buddies, et cetera, who are of course going to support me,” or who the product doesn’t have the … The founders aren’t truly focused on a segment, and they’re sort of trying to meet the needs of too large a segment. And so, they can’t really meet anybody’s needs super well, right? Because you only have so much bandwidth, right? There are bunch of challenges in there if you’re not really sort of focused on an ideal customer.

John Jantsch: I want to remind you that this episode is brought to you by Klaviyo. Klaviyo helps you build meaningful customer relationships by listening and understanding cues from your customers. And, this allows you to easily turn that information into valuable marketing messages. There’s powerful segmentation, email auto-responders that are ready to go, great reporting. You want to learn a little bit about the secret to building customer relationships, they’ve got a really fun series called Klaviyo’s Beyond Black Friday. It’s a docu-series, a lot of fun, quick lessons. Just head on over to klaviyo.com/BeyondBF, Beyond Black Friday.

John Jantsch: A lot of, I mean, you see it in the media occasionally. Somebody has an idea, creates a product, it’s a huge hit and they cash out, and exit do. And then obviously, there are people that that build a product, and then they decide they want to grow the category, and maybe they want to add more products, and maybe they want to have impact in a different way. Is there a completely different path to how you would develop those two companies? If I had the goal of, “I want to get in. Cash out on this thing as fast as possible.” As opposed to, “I want to mature this product or this company.” I mean, are are you going to go about building those companies in different ways?

Jill Soley: Potentially. If you’re really trying to get a quick win, and you’re going to cash out, and you aren’t really trying to solve a problem, sort of really solve a problem and be there long term to kind of build it out and support it and so forth, then I guess maybe you cut corners and stuff such that you make it look good and seem good up front, but it doesn’t really scale, et cetera, ongoing. Maybe you can hear my voice the skepticism around that strategy. And, maybe that’s my own personal bias around … I’m pretty mission-driven, right? I mean, this book is mission driven. I’m trying to solve a problem that I’m seeing, right? All this waste products that are failing for the wrong reasons, right? I mean, you don’t make money on a book, right?

Jill Soley: I didn’t write the book to make money. I wrote Beyond Product because I’m trying to actually help people, offer some, some painful lessons learned, right? That I’ve learned, and that other people have learned along the way, to people who I think can benefit from it. So, I think if you’re really trying to go and build something that actually makes an impact, then you go out and really figure out what the problem is, right? What’s a real problem in the market? And then, work towards really solving it, right? Which isn’t going to be an overnight thing probably.

John Jantsch: If somebody came to you, and they really had what seemed like a pretty good idea, they’d done some research, they’d done some discovery, what would be kind of your five things that you need to make sure you do?

Jill Soley: If they’re at the really early stage, certainly, I would look into the kind of research they’d done, and try and just really understand it, and make sure that they had kind of dug in deeply, and they weren’t sort of suffering from confirmation bias, if you will, right? Which is common. The early research is either with people I know or I’m listening for things that confirm my beliefs instead of that refute it.

Jill Soley: And so, once I’ve kind of dug into that, and have some level … Either have a level of confidence or kind of send them back to do some additional research. And then, sort of as they get to that next stage, where they’re trying to sort of really define, “Well, what is that solution now, right?” I’d try and get them to segment among those early customers who they talk to, right? Who are you really solving for? Get a really clear picture. Maybe try and find some of those people who will be early beta testers.

Jill Soley: And then, figure out kind of what are some of the smallest … What’s that smallest thing that they could provide that might solve a problem? And, begin to do quick iterations maybe. I mean, they don’t even have to be product at that point. They could potentially be paper prototypes, et cetera. What can you put in front of people to really kind of test out your ideas in a cheap and quick way to iterate before you spend a lot of money to build out your solution?

John Jantsch: Are there some folks that you think have done this particularly well, maybe they learned while they were doing it, but in the end, they came out and did a really great job with what you think is a great way to go beyond product?

Jill Soley: I think there are certainly lots of startups that do this. I’m trying to … I mean, you can go back to something like a Salesforce even, right? I mean, their initial product wasn’t really much to speak of, right? I mean, at the end of the day, that’s a marketing company. They have done a phenomenal job of marketing. But, what they did early on is they saw a pain point in the market, right? They saw that there were these segment, these parts of companies, right? These departments and all whose needs weren’t being met, and they weren’t going to be met by this big enterprise product that was there, right?

Jill Soley: So, they went in with a smaller cloud-based product that these departments could implement, and they could get benefit from. And then, they built out their product. And then, they expanded, and they built a platform, and so on, and so on, until they became the Salesforce that we know today, right?

John Jantsch: Yeah. Then, they became the big enterprise product.

Jill Soley: Exactly. We argue about whether it’s a great product today or not, and so forth. But, I mean, if you’re looking at sort of a model for this, I thought that’s a pretty good one. There’s certainly lots of startups as well that are doing this today as well as the ones who are perhaps not.

John Jantsch: Yeah. I think HubSpot actually probably copied that model to some degree. I mean, they were voracious marketers as they were building out the product. And, I think a lot of people, a lot of HubSpot fans, I don’t know how familiar you are with them and their product, but early on, it was a pretty clunky product. And now, they’ve really continued to invest and enhance it. But, they were voracious marketers.

Jill Soley: Well, and one of the things … They got the marketing right. And, there are some interesting sort of marketing strategy that they did really well. And, one of the things that they in particular did is, I think, early on, as I understand it, they had some internal debates about who their customer was. And, Brian Halligan has actually written about this online that they eventually kind of had a heart to heart as a company, right? Internally, they sat down and kind of forced that decision. And, as I understand it from people there, right? It was forcing that decision and picking a very specific target market that really helped their business be successful.

John Jantsch: Yeah. I would agree with that. Let’s talk a little bit about Obo. Are you, as a Chief Product Officer at Obo, are you bringing kind of what you’ve learned? And certainly, anytime you write a book, and then you’re in this position, I think there’s going to be some people pointing to you, “Are we practicing what we’re preaching in the real world?”

Jill Soley: Yep. And, that’s exactly what I’m trying to do there. I mean, right now I’m actually … I’ve come in. Product isn’t out in the market yet. But, we’re close. But, I’m coming in, and I’m actually going back, and just validating some of what has been decided, in terms of strategy to, frankly, make sure that I buy into it, and to figure out sort of where we go from here.

Jill Soley: Its mission, and sort of where it started, was this idea of market first product, right? Focusing in on a market need and understanding the market as opposed to product out, right? Product first. And, there are expert market researchers as part of the team and so forth, right? And, that really, really believe this, inherently, and are looking at sort of how we include that in our process as well as include it in our product, right? That’s exactly what I’m trying to do at Obo.

John Jantsch: Jill, where can people find out more about your work, get the book obviously, particularly if you’re a product person out there listening, and really anywhere else you want to send people to find out more?

Jill Soley: Sure. You can learn more about Beyond Product at beyondproduct.co. Dot CO, not COM. And of course, it’s available on amazon.com and any of your favorite bookstores. I can also be found at jillsoley.com. And, if you’re interested in software for product managers, Obo is at obo.pm. OBO dot PM. Lots of places to find me.

John Jantsch: Awesome. Well Jill, thanks for taking the time to stop by today, and hopefully we’ll run into you when I’m out there on the road.

Jill Soley: Awesome. Well, thanks John. This was fun.

from http://bit.ly/2Jy09Z9

#Marketing Plan

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its-lifestyle · 5 years ago

Link

Janet Gunasekera Jansen is 81 and has high blood pressure, diabetes, glaucoma and arthritis. Medical check-ups are very much a part of her routine, but she is not so mobile now. She doesn’t drive and is not fit to deal with the rigours of taking public transportation.

“When I was younger, I used to travel everywhere by bus and train. These days, it’s harder as my knees are weak and I’m not as agile as I used to be. As I have poor balance, I have fallen on uneven pavements numerous times,” says Janet who lives with her son.

He takes her for check-ups but there are times when he can’t get away from his work commitments.

Fortunately, the grandmother-of-three is a member of the Happy Garden Basic Ecclesial Communities (BEC), whose members are Catholics living around Happy Garden in Old Klang Road, Kuala Lumpur. One of BEC’s core objectives is to help those in need, such as the elderly and the poor. BEC has long recognised mobility is an issue with the elderly, and its members offer them lifts to church meetings and events.

Sonia (right) helps the elderly in her community, like Janet, by helping her manage her medical check-ups. Photo: The Star/Chan Tak Kong

They also help drive them for their medical check-ups. Janet knows she can call on her neighbour and fellow BEC member Sonia Michael whenever she needs transportation to the clinic.

For the past five years, the 30-year-old businesswoman has been driving Janet to the clinic, BEC meetings and church events. Janet has offered to pay Sonia for driving her, but she has refused any form of payment from her elderly neighbour. To Sonia, it’s all part of providing community support for the elderly.

“How can I accept money from Aunty Janet? She’s like my grandmother. The cost of living is rising, and many senior citizens feel the pinch as they don’t earn a steady income. Many of our BEC youths do our bit to help our seniors. We have helped them move furniture, accompany them to the post office or home visits whenever they are unwell,” says Sonia, adding they organised a dinner for Janet on her 81st birthday last month.

As of 2017, the number of people aged 65 years and above is about two million or 6.3% of the total population. Universiti Malaya’s Social Wellbeing Research Centre projects that the number of Malaysians aged 60 and above will reach 3.5 million in 2020 and 6.3 million in 2040.

As our population ages rapidly, there is more and more need for support services for the elderly. Traditionally, the family is expected to take care of their elderly members’ needs but that is not always feasible these days with growing lifestyle demands and smaller family units. More of the elderly are also living on their own, whether by choice or circumstances.

Suriani counsels families when they are notified of neglected elderly patients at UMMC and tries to help them overcome their challenges. Photo: The Star/Art Chen.

And as much as the elderly try to be independent, there will come a time when they may require help. Family neglect of elderly patients is one of the concerns of University Malaya Medical Centre (UMMC)’s Department of Medical Social Work, says its medical social worker Suriani Mohamad Hasim, 53.

“Some patients in the geriatrics ward don’t have any visitors, be it family members or friends. This problem could be due to factors like poor family support, family dynamics and financial constraints.”

Often, Suriani steps in after receiving reports of neglected elderly patients. She’d contact the patient’s next of kin to determine the next plan of action.

“A family conference, with the patient’s family, will be organised at our department. We will discuss the best possible caretaking actions once the patient is discharged,” says Suriani, who also does home visits to check on how ‘environmentally friendly’ the patient’s living arrangements are.

In our Asian culture, the responsibility of caring for the elderly often falls on their children’s shoulders, says Suriani. But she has seen how this can be challenging, especially as children have to juggle between work and raising their own families. Often, a foreign helper is hired as the primary carer.

“To enable senior citizens to live comfortably, geriatric nurses and occupational therapists can help train caregivers on caring for the physical and mental needs of the elderly.”

Prof Shahrul (left) says there is a need for better infrastructure, policies and community engagement to cater to the needs of an ageing population. Photo: The Star/Art Chen.

Community and structural support UMMC’s head of medicine and consultant geriatrician Prof Shahrul Bahyah Kamaruzzaman is all too familiar with Janet’s plight. Many of her senior patients also face transportation problems getting to clinics and hospitals.

“Failing to turn up for follow-up treatments could worsen their health problems, and lead to a host of other medical issues. On an average week, UMMC sees easily over 3,000 outpatients, within various specialties. It is the patient’s and their family’s responsibility to keep tabs on these appointments,” says Prof Shahrul.

Lily Fu, 70, who blogs on elderly issues at SeniorsAloud, says there should be more emphasis on transportation services for seniors.

“While there are transportation services available to pick up senior citizens for their medical checkups, there is no coordinated effort to promote these services for better public awareness of their existence. Few elderly know that Grab and some start-ups with apps offer such transport services. All hospital websites should provide a contact list of such transport services,” says the retired teacher.

There is a need to not only address the elderly’s transportation needs, but also to look at all the issues associated with ageing in a more comprehensive manner.

Society should have better awareness and understanding of the value in elderly care.

Prof Shahrul says Malaysia need better infrastructure, and we need to devise stronger policies and spur community engagement to cater to the growing number of seniors.

“A cohesive and inclusive medical support system is crucial for all citizens, especially those who are vulnerable like the elderly. There should be awareness and understanding of the value in elderly care, as we will all be facing old age. We are making progress in certain areas of care including access to health clinics, awareness of problems in the elderly like falls, dementia care in tertiary centers, senior citizen counters at pharmacies and senior citizens activity centre (PAWE) to name a few.”

She adds that the family/caregiver who cares for senior citizens should explore options within the community and hospitals.

“At hospital level, there should be a move towards creating age friendly facilities and services not just for the old but across ages and abilities. An older person may not just have mobility problems but also other issues like forgetfulness and have visual and hearing difficulties. The flow of services provided should consider all these factors. It would help greatly if friends or family accompany such patients.”

Fu also suggests practical steps such as setting up a National Healthcare Registry so that patients’ medical records would be readily accessible to all doctors.

“This will help, instead of having patients bring along all their medical records, or fill in their particulars each time they see a different doctor. With a growing ageing population, we also need more healthcare professionals trained in geriatric care and palliative care, and also more gerontologists. The latter will help to promote active healthy living to senior citizens,” says Fu, adding Malaysia needs more health awareness campaigns, talks and road shows.

Fu believes it is equally important to drum into every Malaysian that we are ultimately responsible for our own health.

“The government cannot be expected to provide long term care for every elderly with chronic illnesses. Resources are always limited. So it makes good sense to focus on promoting healthy lifestyle. Have a five-year Action Plan for Healthy Living. We must adopt a broader perspective that goes beyond physiological needs.”

from Family – Star2.com https://ift.tt/2Z5H9dH

#Blogger

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marymosley · 6 years ago

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Russia Will Pay $14,000 in Cash to Families who Have 3 or More Children for improving birthrate

Russia is one of the few white countries, Hungary is another, which are taking a serious attitude to turning birthrates positive. These countries, unlike the US and Western Europe, understand that if they don’t, they will cease to exist, overrun by immigrants who will replace their culture. Media controlled by Jewish elites is busy convincing Western populations that this would be a good thing.

Russian President Putin has announced a policy which is giving cash subsidies to Russian families having 3 or more children to improve birthrate in the country.

Transcript of Russia President speech where he explains why his policy is important :

Dear Colleagues,

Let me now share some specifics on our objectives. I will begin with the key objective of preserving our nation, which means providing all-around support to families.

Family, childbirth, procreation and respect for the elderly have always served as a powerful moral framework for Russia.

We have been doing everything in our power to strengthen family values and are committed to doing so in the future.

In fact, our future is at stake.

This is a task shared by the state, civil society, religious organisations, political parties and the media.

Russia has entered an extremely challenging period in terms of demographics. As you know, the birth rate is declining.

As I have already said, this is caused by purely objective reasons,

which have to do with the immense human losses and birth dearth experienced by our country in the 20th century, during the Great Patriotic War

and the dramatic years following the dissolution of the Soviet Union.

This does not mean, however, that we must accept this situation or come to terms with it. Definitely, not.

We succeeded in overcoming the negative demographic trends in the early 2000s, when our country faced extreme challenges.

This seemed to be an impossible challenge at the time. Nevertheless, we succeeded, and I strongly believe that we can do it again by returning to natural population growth by late 2023 – early 2024.

Today, I wanted to talk about a new package of measures that has already been prepared to support families.

First, it is important that having children and bringing them up do not put families at the risk of poverty or undermine their wellbeing.

As you know, we have already provided for the payment of subsidies for the first two children until they reach 18 months.

Benefits for the first child are paid from the federal budget, and families can use the maternity capital subsidy for obtaining benefits for their second child.

The size of the subsidy depends on the regional subsistence level for a child.

It may vary from 8,000 rubles in Belgorod Region, for example, to 22,000 rubles in Chukotka Autonomous Area, with the national average of over 11,000 rubles a month per child.

Currently these allocations are reserved to families whose income does not exceed the subsistence wage multiplied by 1.5 per person.

It is time that we make the next step.

Starting January 1, 2020, I propose raising the bar to two subsistence wages per family member.

This is what people have requested and these requests come directly into the Executive Office. This measure will increase the number of families entitled to additional benefits by almost 50 percent.

Some 70 percent of families with one or two children will be able to benefit from help from the Government.

Second. At present, care-takers looking after children with disabilities and people disabled since childhood receive an allowance of only 5,500 rubles.

I suggest increasing this to 10,000 rubles, starting July 1. Of course, I understand that it is still a small amount.

However, it will be an additional measure of support for families with a child who needs special care.

Third. The income of Russian families must, of course, increase. This is a serious task that requires a comprehensive solution.

I will speak about this in greater detail later. But we need direct measures. First of all, the tax burden on families needs to be relieved.

The approach should be very simple: the more children there are, the lower the tax.

I propose increasing federal tax relief on real estate for families with many children.

I also propose lifting taxes on 5 square metres in a flat and 7 square metres in a house per each child.

What does this mean? If, for example, right now, 20 square metres in a flat are not subject to tax, the new measure will mean that for a family with three children, an extra 15 square metres will not be subject to tax.

Regarding plots of land that belong to families with many children, I propose that 600 square metres should be exempt from tax, and this means most plots of land will be free from taxation.

Let me remind you that this benefit is already available to pensioners and people of pre-retirement age.

Of course, in many Russian regions there are local tax benefits on land and property for large families. However, the benefit being imposed at the federal level guarantees that it will be available everywhere in the country.

I want to ask regional officials to propose additional tax measures to support families with children.

Fourth, the Government and the Central Bank need to consistently maintain the policy to lower mortgage rates to 9 percent,

and then to 8 percent or below, as stipulated in the May 2018 Executive Order.

At the same time, special measures of support should be provided for families with children, of course.

As a reminder, last year, a preferential mortgage programme was launched for families that have had their second or subsequent child.

The rate for them is 6 percent. Anything higher is subsidised by the state. However, only 4,500 families have used the benefit.

The question is why. It means that people are somehow dissatisfied with the proposed conditions.

But it is also clear why. A family making a decision to buy housing certainly makes plans for a long or at least medium term, a lasting investment.

But with this programme, they take out a loan, start paying the instalments, and the grace period ends. The interest is actually subsidised only for the first 3 or 5 years.

I propose extending the benefit for the entire term of the mortgage loan.

Yes, of course, it will require additional funding, and the cost will be rather high: 7.6 billion rubles in 2019, 21.7 billion rubles in 2020, and 30.6 billion rubles in 2021.

But the programme is estimated to reach as many as 600,000 families. We certainly need to find the money.

We know where to get it. We have it, and we just need to use it in the areas that are of major importance to us.

And one more direct action solution.

Considering the sustainability and stability of the macroeconomic situation in the country and the growth of the state’s revenues,

I consider it possible to introduce another measure of support for families having a third and subsequent children.

I suggest paying 450,000 rubles directly from the federal budget to cover this sum from their mortgage.

Importantly, I propose backdating this payment starting January 1, 2019, recalculating it and allocating relevant sums in this year’s budget.

Let us see what we have.

If we add this sum to the maternity capital, which can also be used for mortgage payments, we will get over 900,000 rubles.

In many regions, this is a substantial part of the cost of a flat.

I would like to draw the attention of the Government and the State Duma to this issue. If need be, the budget will have to be adjusted accordingly.

An additional 26.2 billion rubles will be required for this in 2019. The relevant figures for 2020 and 2021 are 28.6 billion rubles and 30.1 billion rubles, respectively.

These are huge funds but they should be allocated and used in what I have already described as a very important area.

It is necessary to give families an opportunity not only to buy ready-made housing but also to build their own housing on their land.

I would like to ask the Government to draft in cooperation with the Central Bank convenient and,

most importantly, affordable financial instruments for supporting private housing construction because it is not covered by mortgage loans today.

And, last but not least, the tax on land must be fair.

Obviously, the cadastral or market value of a land plot can change but tax rates must not go up and down unpredictably like roller coaster rides.

We have already limited to 10 percent the annual growth of the tax rates for residential property.

I suggest establishing the same limit for land plots.

Moving on, today, when construction companies build social facilities and transfer them to the state or municipalities, they have to pay profit tax and VAT.

We need to relieve construction companies of this burden (including our innovations in the construction sector).

This will serve as an impetus for the comprehensive development of cities and townships, ensuring that families have everything they need near their homes: clinics, schools and sports facilities.

By doing this, we will enable parents to work, study, live happily and enjoy parenthood.

We have come close to guaranteeing universal access to kindergartens,

but by the end of 2021, we will have to resolve the problem with nurseries by enabling them to accept 270,000 more children, including in the private sector, with 90,000 places to be created as early as this year.

The federal and regional budgets should allocate 147 billion rubles for this purpose, over a three-year period.

Let me add that enrolling in a nursery group, kindergarten, getting subsidies, benefits or the tax deductions that I have already mentioned

and, I hope, that we will come up with, together with you, all this should happen without any additional applications, excessive paperwork or having to visit various social services.

By the end of 2020, all the key government services must be provided in a proactive format where a person will only need to send in a request for a service that he or she needs, and the system will take care of all the rest independently and automatically.

I would like to emphasise that the package of measures to support families proposed today is not an exhaustive list of initiatives.

It sets the priorities. Considering the challenges posed by the state of Russia’s demographics, we will continue to channel more and more resources into this area.

I ask all of you, colleagues, including both the Government and the Federal Assembly, to think about it and suggest solutions.

Courtesy: Russia Insider

The post Russia Will Pay $14,000 in Cash to Families who Have 3 or More Children for improving birthrate appeared first on Legal Desire.

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beardedwinnerobject-blog · 6 years ago

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colorado insurance regulation 1-1-7

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I have a link that shows pictures of the car so please give me your thoughts about what you think of the car itself and how high or low the insurance may be. Here's the link. http://www.cardomain.com/ride/562419/2

Who's car insurance pays for accident?

A young guy hit into the rear of my vehicle the other day. When I asked for insurance information he said he is driving his grandmothers car and he can't show me any. I don't know if he is telling the truth that it is not his car or not. He just gave me his name and phone number. At first I felt the marks were not bad but decided they should be fixed. He is hoping I don't pursue any damage claim. If this is his grandmothers car will her insurance pay for the accident or will his insurance?

How much would car insurance cost??????

16 yearold female in north carolina....how much would car insurance be for a pontiac solstice and a jeep grand cheerokee both paid off. give me amounts not wesites'

How much for car insurance?

My mom drives a Mercedes B 150 (about 5 year old car), she's Middle Aged and had a good driving record so her insurance is around 200-300pa. I'm nearly 18, and a new driver (passed yesterday), was wondering how much insurance would be for me if I was added onto her insurance. (just an estimation would be great!) Thanks in advance!""

Does motor size effect insurance cost?

I'm buying a 1991 Z28 camaro soon. I'm 17 and I want to know if engine size will matter. It's going to have a 305 V8 in it when I get it, but I would really like to upgrade to a 350 V8. My parents seem to think it will cost more for insurance, but I haven't found anything on the internet that solidifies this. Can someone shed some light on this topic for me?""

How much does full time RV insurance cost per year?

I know it's different for everyone but how much does it cost for you? And what size / class RV do you have? I'm just trying to get a rough estimate. Thanks

Whats the best landlords insurance?

we are looking for landlords insurance for a property rented to our local council. Which would you recommend?

What is the Cheapest Homeowners Insurance for Senior Citizen?

My elderly neighbor has had her homeowners insurance cancelled because she couldnt afford to pay it. She is on a fixed income and her children do not help in any way. She owns her home but is having a hard time with paying the large payments. her mortage company says that if she doesnt take out her own insurance then they will purchase it for her at a cost of 2100.00 per year. This is way too much for a Senior citizen. i got a quote for her from progressive for 2600.00. Are there any cheaper alternatives?

Average monthly car insurance in Vegas?

I'm loking at getting a 2001 bmw 325i. (no my parents arent buying this for me. its my money that i earned at work). I'm an 18 year old male. If you could give me a general idea of how much id be paying monthly that would be GREAT. I do vote people as best answer so if i like your answer ill give you 10 points :)

Child support/car insurance?

Ok so I just got my liscense and I bought half my trck and my mom bought the other half. So is it right for my dad not to pay for my insurance? And does child support cover car insurance. . .plz just give me your opinion/facts on the whole ordeal.... Have not found job just turned 15..btw Thank you all

Does two mortgages on a home make your insurance more expensive?

If I get a second mortgage on my house will my insurance go up?

Full Coverage Insurance ripping me off ?

I got a wreckless driving dui dropdown in ohio live in kentucky in my Nissan 350z was paying $70 a month for full coverage under my parents plan... Now 2 years later after dealing with a bunch of bullshit driving a pos car with just liability for $100 a month in insurance for 2 years I finally have enough to buy a 08 nissan altima and I checked what full coverage would be and they told me $300 full coverage cheapest so I gave a few different cars and still the same price....Does it make since if my car payment is only $220 a month why in the hell would anyone pay more for insurance..?? & before you start saying something like a troll would I live in the country there is no bus stops or anything so I need a vehicle to get to work and back at this point the insurance cost to much for me to even afford when you have a apartment on ur own and only making $13/hour full time America doesn't make a god danm bit of since is this what the world is coming poverty P.S I hope i don't hit anyone without insurance....if only insurance was affordable.

How much is auto insurance for a minor?

I'm about to get my license, how much is it to add me (16) to my parents car insurance? Don't give me anything like, It's different for everyone. I know. Just tell me what you are paying, or what you used to pay.""

Understanding my Co-Pay Insurance?

This is my co-pay insurance plan 90/70 (in network doctors/other doctors): Co-insurance 90% Out of pocket $4000 Deductible $4000 Here is one example of what they cover: Plan Network Co-pay for physical visits to the office Co-insurance 100% Co-payment $25 Co-insurance preventive 100% Out of Plan Network Deductible $12,000 Co-insurance 70% So, does this mean that I just pay $25 for a physical? Nothing more, unless something additional is done at the visit? When the co-insurance is 80%, does that mean I pay 20% of the bill? and... Is there a difference between Out of pocket and Deductible? Thanks!""

Which auto cost more for auto insurance sienna or rava 4?

Do I need car insurance to drive?

So I'm sixteen and use to think as long as the car had insurance I was okay. I have my license and sometimes I drive my moms car in case it was required since my mom really needs someone in the family to drive. Recently I was told I needed to be added to her list but my mom says since I have medical insurance it's okay? oO That I just need some sort of insurance in order to pay.. not necessarily car insurance. So if I get pulled over and police ask for my license [which I have] and registration [which I also have] would I get arrested and have my license suspended?

Where can I get a cheap health insurance?

health insurance is so expensive... where can I get those health insurances?? especially the cheap one... yea...the best cheap..not the worst cheap

UK car insurance groups?

Is there a website or some kind of directory that will tell me the costs of different insurance groups? I'm shopping around for a second-hand car and a lot of cars are listed as insurance group 7 or insurance group 14 etc etc, but I don't know what that means, I've been entering the details individually of cars that I'm interested in, but that quite laborious.""

Cheapest compulsory third party insurance?

I have got a 98 honda civic with no accidnet in the past 10 years and a clean driving record at Sydney NSW and its rego is coming, anyone know any good and CHEAP green slip company? preferabally around 300$.""

""Does the car title have to be transferred to your name before you get insurance, or insurance then title?""

in illinois.... ....a car was given to a friend. he needs to get insurance. does the title need to be transferred first? Also just moved to another state, so does the insurance need to come from the state the title was transferred in""

colorado insurance regulation 1-1-7

Will a 'C' Licence make my insurance cheaper....?

I currently hold a normal car licence (I'm 18) But I passed my Category C test today. For those of you who don't know what a category C vehicle is. I doubt you will know the answer to the question so please don't make up some rubbish... Will this make my car insurance cheaper considering I can drive a vehicle about 5 times the size? Also, I'm hoping to get my Artic licence next year, Will this make my insurance go down even further? I mean for my car, I already know my Lorry insurance is going to be INSANE. But I've got in the army as a Driver anyway so that doesn't really matter.....""

Car insurance rate for a 16 year old?

i'm going for my license in a couple months, but maybe trying to prepare a little in advance, but i was just wondering the average cost of car insurance per month? i know the younger you are, the more it will be. if it helps, the car i'll use is a ford fusion, and i'm pretty sure my dads insurance is allstate, if that matters much.""

What will happen because my auto insurance lapsed 2 months in Virginia?

We accidentally let our car insurance lapse for 2 months in Virginia. We paid the insurance company to get coverage again. What should we do with VA DMV? What kind of fine should we expect? Should I contact them? I'm mainly concerned about avoiding a suspended license.

How can i find the owner of the car and what insurance he's using?

Someone bumped into my car while I was working. I have a witness who gave me the license no. and I have reported this to the police but they said as it happened in a private car park, ...show more""

How do i fight GAP insurance?

hello.... so i purchased a vehicle in 2006..... didn't like it too much so i took it back to dealership and traded it for a different vehicle and bought full warranty on it. dealership said the warranty was good for 50000 miles or 4 years. the vehicle was totaled just recently and i owed about 7500 dollars on it. my insurance paid 6100 dollars for it and i was thinking ok no problem the gap will cover the rest , but the gap insurance is only paying 212 dollars on it. they said there was some left over loan on my old car which they will not cover... i don't know much this insurance crap but its really breaking my balls that i will have to paying almost a 1000 dollars out of my own pocket. is there any i can fight gap insurance and have them pay the entire left over loan??""

How much would my car insurance rise from 2 points?

Well i started driving at 16 and a half. I got in a hit and run and now i have 2 points on my record about a year ago. Now im 18. I wana know an approximatly how much my car insurance would go up

Do I have to register my car and change my insurance if I am an out of state student in California?

My insurance company told me that I do not need to change my insurance since I am a student living outside of my home of record address. Now, I keep hearing that I need to register and smog test my car in California since I'm currently living there while attending school. If I do such a thing, does that not mean that I will have to change my insurance to California rates? I do not plan on residing in California post graduation, does this make a difference also? Someone please help....""

Maternity Insurance?

I'm looking for health insurance that I can have for basic coverage, and at somepoint (if needed) add maternity coverage. Everything I have looked at so far will only cover ...show more""

Will my premiums go up on car insurance if I'm not At Fault?

I live in the state of Michigan. Someone rear ended me at a stoplight. My tail light is broken and my bumper is sagging along with other minor scratches etc. I have 2 main questions ...show more

Tour guide car insurance?

I am thinking of setting up a new business where I would offer car tours of the Cotswolds, I was wondering if there was any special car insurance (or/and other insurance/licenses) that I would need? I have Nissan x-trail 04 number plate. I have been on comparison websites, put in my occupation as travel and tourism then tour guide and it comes up with lots of quotes, but when I ring them to confirm that they are actually covering the correct things they say that they don't cover it. So does anyone please have any specific things that I will need in order to be fully/properly covered? Note: Everyone tour I do is pre-booked, I can not be 'hailed' on the street to do a tour, so I am not a taxi.""

What are some car insurance people?

I know Progressive, and Geico. Who do you use? who do you not use and why? We just got a new toyota Sienna and i want to shop around for cheap insurance.""

How much would auto insurance cost if?

im about to be 15, and my dad is freaking out about car insurance prices, so how much so i expect to pay for a 2003 jeep liberty/ or honda civic? (texas) also we have geico.""

How do I get health and dental insurance?

I am getting married soon. I will be 18 and he will be 21. I have blue cross blue shield through my dad's work and the magnolia health plan(kinda like medicaid) bc I was adopted. ...show more

Car insurance queries?

A good friend of mine had an accident in another friends car. It was his fault but his insurance company have said his insurance does not cover him as the vehicle he was driving is classed as a car derived van. The insurance company state that the policy only covers third party cover for other motor cars and claim a car derived van is a commercial vehicle. Even though its not used as a commerical vehicle, The vehicle in question is a Peugeot partner 600 and its v5 doc claims calls it a car derived van and it falls in the PLG class. Is this right what the insurance company are saying ?""

Can i get insurance on a bike at 16?

i have a pedal bike its 20in i have paid almost 1800 for i built it myself and i was woundering if i could get some type of insurance for it like if it gets stolen. i live in michigan

How much do speeding tickets effect your insurance ?

I got 2 speeding tickets, my first and second one of my life and im only 17. How will these tickets effect my insurance ?""

How expensive of a car can i get if im military?

I'm looking ahead into the future a bit but in about a year i will be an E3 in the USAF. I will be bringing home about 1700 a month before taxes, so about 1300-1400 after taxes. I only have about 100 a month of bills and obviously live for free(housing and food). I was wondering, how much of a new car can i finance through a dealership. I have about 1000-1100 after i set aside some money into the bank. So that leaves me about 1000 a month that i could set aside to car, and insurance. I know my insurance will be pretty high, but i was wondering if anyone has any first hand experience as to how much of a car i'd get approved for. BTW: I have good credit, i dont have anything big on my credit report, but ive had credit cards, and cell phone, and furniture and insurance payments for about 3 years, and never had any problems with payments. So my credit is good with what i have, but i dont really have anything big so i would need a codigner if i were to try and get a car today. But from what ive read dealers usually approve anyone in the military, and especially if they have decent-good credit. THANKS!!!""

What cheap but reliable family car is best to buy must be auto cheap insurance?

Age Of 16 to fill up a car insurance quote?

why car insurance agent put 16 on car insurance quote even you got your license when you were 18...?

What factors can affect the cost of my automobile insurance?

Which car insurance company allows you to make the cheapest one year payment?

I have esurance but they force you to make 2 payments a year,and the second payment AWAYS shows up at the worst time lol""

How much I need to pay the road tax and all the insurances for a motorbike.?

Hi I am going to buy a motorbike (place UK exactly London)- nice chopper like yamaha or honda. How much and where I need to pay monthly the money (for using it on public roads and etc.). I know that car owners doing a monthly payment something about 100 pounds, please give me some advices I would like to know the real cost of it. Thank you very much. ( the motorbike max 500 cc)""

What is the estimated insurance price for a 2012 Chrysler 300S?

Base price is $33,000 Buyer is 19 years old foreign college student Disregard the location, what is the approximate insurance rate RANGE he would pay yearly Would it exceed $1000 Thank you for your responses""

Car insurance question?

Im currently a proposed driver on an car insurance policy(FULLY COMP) on a Fiat Punto and im 19. My elder brother is getting a Vauxhall VXR and said if he is insured on the car (fully comp) and said if i drive his car, i am legally allowed to drive it but i will only be covered under Third Party. Can someone outline the Rights and Wrongs? Is it actually legal? any problems which may arise?""

Are there emergency health insurances in California?

And how can some one get it? i don't live in Cali but a friend of mine does. And they can't afford health insurances. but they need to see a doctor.

colorado insurance regulation 1-1-7

When does health insurance expire when you move out of state?

Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up. But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you'll change insurance when you complete the move. After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy -- feverish with occasional headaches -- requiring bed rest and lots of fluids. If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't had time yet to get CA insurance?""

What is a car insurance down payment?

I see these commercials for cheap car insurance with a low down payment . I've had three car insurance companies in my life and not a single one has required a down payment. Why would anyone choose a company that did?

""Wat types of car insurances are there for a 18 year old in Canada, how much do they cost?""

Wat types of car insurances are there for a 18 year old in Canada, how much do they cost?""

Can I use my parents name to buy insurance for my car?

Is there? The insurance would be under my moms name but the car would be mine. It would be alot cheaper since my mom has no violations and is older than 25.

What is the cheapest auto insurance?

I am going to be turning 16 soon and i am most likely am getting a 2002 ford focus. what companies offer the cheapest auto insurance for a 16 yr old on there parents insurance?

Is it possible to get insurance without a six month or a 12 month contract?

Like for month to month

Good/Cheap Secondary Health Insurance in Texas?

My grandmother is 65 but my grandfather is only 63 so he's not considered a S.C. yet ... what is good affordable secondary health insurance for them? They currently only have Medicare

How much will my car insurance cost for 16 year old girl in possibly a ford taurus?

I'm going to be 16 and obviously I'm a girl. I might end up driving a ford taurus. But it's not decided yet. I'm going to put on as a secondary on my car and them my moms dodge grand caravan and my dads dodge dakota. Secondary on all. How much will my insurance probably cost? Would it be smarter to just be a primary on my car and not even on anyone else's car or would it be smarter to just be a secondary on my car? Or a secondary on all? Thanks

Car insurance advice for a 17 year old?

Hello, I just bought a Citroen AX for 500, and have payed a lump sum of 2800 for 12 months insurance. My question is: If I get a 1 year no claims bonus when im 18, how much cheaper will my next 12 month insurance be? How much less do you think It will cost after a year of no claims. And If possible: How cheaper would It cost to insure that car after 4 years no claims? Thanks.""

Insurance price on r32gtr?

Ok since r32 skylines a now practically legal to import to the U.S from japan i was wondering how much would insurance cost me for a 1989 nissan skyline gtr r32. These skylines will have clean clear texas titles. I live in Houston, Texas and age ...lets just say older than 25""

What car in your opinion would cost the least on insurance?

A acura rsx, Lexus is300, scion tc""

What liability would you have if you let someone else use your address to obtain cheaper car insurance?

I know it is morally wrong but the situation is not what it appears. I let this relative use my address before in order to hide from a former abusive spouse. Now that scenario is not the issue and for a long time I was only receiving junk mailings for her. But once or twice this year I received something from a car insurance co. I could not open it but it looked like a bill. She lives in an area notorious for sky high insurance rates. Can I get into trouble, or is she the only one committing fraud? I don't want to get in trouble for her but I do feel bad because she doesn't make much money.""

Will i get any payouts on my car insurance?

hi there i had an accident back in december 2012 that was NOT my fault but did not declare any points om my licence when i took my insurance policy out, becaus this was not my fault will i still get payed out for my car or any compensation claims elsewhere to thatr accident""

Getting SR-22 Insurance with new policy.?

Basicly... last year... my mom and I were required to maintain an SR-22 for 3 years. we got our first one with Mercury insurance.... which was our existing provider then they said they wont renew the policy with us anymore... and we had to find another company chose allstate... as they were the only ones willing to give an SR-22 for NEW policies. we have had all state for 6 months... their rates are pretty expensive though... with or with SR-22... we got quotes from statefarm... they are really good... about 40% savings.... but they refuse to give SR-22s with new policies. but then they also said...they also refuse to give it with Existing policies as well... is this even possible? we have 3 cars. we were thinking of keeping one vehicle with allstate... maintaining the existing SR-22... and transfering the other 2 vehicles over to statefarm... and after a month or 2... once we become existing customers request for an SR-22... and transfer the allstate vehicle to statefar

How high will my insurance go?

I got pulled over the other day for going 59 in a 40. I have state farm. how high will my insurance go? ps. in pennsylvania

Does lojack reduce auto insurance rates?

""Car insurance. I've had two quotes for my new car, one from our existing?""

insurers who we've been with for a loooong time (we have a 9-year NCB for starters), which has come in arond 350. and one from the insurance company attached to the make of my new car which came in almost the same price. On the other hand, I took online quotes which came in from 175.lowest, to 313.highest. I queried this with the second company I've just spoken to to get the free 7-day cover in place, and they told me online companies are cheaper because it's online and you don't speak to 'a person'. Obviously this is a big difference (we are currently paying just over 200 for our car) and I'm now confused about what to do. And frankly who is telling me the truth.""

Car insurance question.?

I was involved in an accident recently. The other driver ran a red light and totaled my car. There were no witnesses or cameras. The other driver claims that I was the one who ran the red light. This is not true. The police report was finished today and it came back in my favor. I only have liability insurance so I am waiting to hear from the other driver's insurance company on whether or not they are going cover the cost of replacing my car. Do you experts think they will cover my full costs? Thanks, Eric""

""The lug nuts on my tyre are too tight to take off with my socket wrench, any ideas on how to get them off?

I don't know much about cars but I have to change a flat tyre myself as the car doesn't have insurance and can't be taken to the shop. Would there be a tool that i could use to make it easier to take the lug nuts off??

How much does a motorcycle insurance cost?

20 yrs old. ninja 250r 2009. Southern Cali

How much to insure for drivers insurance?

Im 16, so I know it will be expensive. I will be getting a 4 Cyl car, either a Honda Prelude, Civic, Accord, Nissan 240sx, something along those lines. I took a drug and alcohol class which takes off 15% and then I got a B average which takes off another 10% can someone please tell me how much it would be a month? Thank you""

I heard of Homeowners insurance being called...?

fire insurance and hazard insurance. are they the same?? or how are they different?

Will my insurance rates go up because of this?

I cancelled my Esurance policy and went to State Farm. I received a cancellation email afterward. My policy with Esurance is set to cancel completely on the 8th but I got an email today saying my policy had lapsed. Will my insurance rates with State Farm go up because of this?

How do I get health insurance?

Ok Im 20 and I don't think I have health insurance. I want insurance to cover basic health and dental too. How can I get health insurance that is cheap and affordable in California? Thank you

Car insurance question?

If I make a down payment of around a quarter of the car price ($4,500 for a $18,000 car) when I buy and also get comprehensive insurance on it. After two years if the car gets totaled- how much will I get from the insurance company?""

colorado insurance regulation 1-1-7

Do I need to be on the car insurance if I don't live in the house?

I get my license tomorow and my dad was planning on letting me use his car Friday. His insurance covers the driver of the car, but then other insurance policys are saying that I need to be under the insurance, if I am in the home. I don't live with him. So does he still need to add me to the insurance, since I don't live in the home?""

Need health insurance coverage for pregnancy?

I am currently pregnant with my first child and my fiance and I are both self-employed. We are looking for a new insurance policy the covers maternity care. The one we have now does not cover maternity and the hospital bills for the delivery seem to be quite high. Does anyone know of any companies that offer coverage?

Can someone please explain health insurance to me?

I'm looking for individual health insurance and it is very confusing. Can someone explain what things like deductible, copay, and coinsurance mean? Also, what's the difference between a PPO, Network, Indemnity, and a HSA-qualified plan? Lastly, how do I know exactly what is covered before I apply? People have sent me things in the mail and I'm looking online and I was given a list of things covered, but then it says that this isn't everything and once I sent in my payment I will get a full list of my policy and coverages. That seems shady, and these are top companies like Aetna and Health America, so I don't think they would rip me off. Plus, how come these companies aren't offering a bundle plan, where I can get health insurance, vision, and dental all in one plan with one monthly payment?""

Where can I get a better health insurance plan ?

I tried with some of the agents, but it is not working out for me. Can anyone help me, If you have taken any health insurance plan.""

What kind of insurance do i need if im over 18?

Im in school right now and im about to turn 19 and my current insurance will not cover me anymore...so what insurance out there can i get that's affordable and i can use for my school...i dont want to pay the expensive insurance for the school...thanks!

Car insurance: Proof of no claims?

I just got a letter through today from my car insurance provider asking me they want proof of my no claims. I renewed earlier in the month however i didn't change providers so seems a bit pointless them wanting proof when they hold the no claims information themselves. I didn't renew in the straight forward way as i planned to sell my car but ended up changing my mind but wanted to make some changes to my policy so just created a new policy using my online account i have with the insurance company, it turned out to be cheaper doing it that way but obviously because of the changes i made, could this be why i have received this letter? Should i just notify them of the situation in a letter and attach my original renewal letter which has the no claims information on it? Or will i need to get a so called proof of no claims certificate to get this sorted?""

Car loan & insurance?

My husband & I applied for a car loan. We are both still under our parents insurance because it is cheaper like that for now. Neither one of us are listed on their insurance as policy holders. We are only listed as covered. If we plan on buying a car with our approved loan, does his dad need to be on the loan as well because the insurance is under him? If so, does that mean that I need to come off the loan and that he needs to reapply for a loan but with his dad? We live in California, I know some states have different laws about insurance. Hope that makes sense & someone can help. Thanks!""

Hi I are v8 insurance more expensive than v6?

I'm getting a car soon and I can pick between an 08 bmw 528i v6 or 08 bmw 550i v8. I was wondering if insurance would be the same because there the same car. I live in California thank you.

Where do you get a semen analysis performed in southern California without insurance? ?

I have looked all over the Internet! !! We live near orange county and la county he has no insurance. Please help! !!

Cheaper car for insurance?

I have a 98 eclipse spyder right now, and I'm paying about 700 every 6 months on insurance. Not only that but about 40 a week in gas and other various maintenance. I've put some custom things into it, just wondering with 115k miles on it, what would a good trade be for a reliable car with good MPG and lower insurance?""

""What auto insurance companies , (best price, dependable, etc....?)?""

What auto insurance companies , (best price, dependable, etc....?)?""

Which car Insurance do you recommend?

The cheapest, but also good at the same time.""

What is the cheapest health insurance I can get?

I'm a healthy single person with no preexisting conditions living in Washington State and am tired of paying $430/mo for COBRA. My acceptable range is $50 - $150/mo and only want it as hedge against risk of major injury. I may be travelling overseas for 3-6 months this winter and I'm wondering if: 1. I should choose something like LifeWise with 10k deductible for 3 months, just short term then let it cancel, then get different travel insurance thereafter? 2. Choose a company that does both domestic US and overseas travel coverage? 3. Let COBRA expire and just risk it? Do you have any recommendations? Know of any especially affordable deals that match this?""

How much do you think my car insurance might cost? HELP PLEASE!?

I'm a new driver. I'm 26 years old. I want full coverage. I live in New Jersey. The amount of the might be 8,000 and Nissan 2007-2010. If anyone have any advice for me, that will help me choice the best car insurance. It would be appreciated. I'm still open to a different car.""

How much should a Insurance CSR make?

I live in a little town in California, I have been working for well established Insurance agency since May 2012. I just recently got licensed so now I carry my P and C license. I am getting 12 an hour plus health insurance, am I being under paid? Im not getting commission even though I have brought new business in and have written policies. Your answers are very much appreciated. Thank you.""

Why don't parking tickets affect your insurance?

I used to be amazed at the number of tickets other students used to get when I went to college. Sometimes I'd walk by a car that had been there for at least a day, given the number of tickets that decorated the windshield. From what I gather, parking tickets are not moving violations, so therefore it's not the same as traffic tickets. (Which might explain why they cost so much less.) Is it because parking tickets aren't moving violations, they aren't covered by traffic safety laws and therefore aren't really covered in traffic school? Do parking tickets go on your driving record?""

""Can I own a car, but be covered under my mom's insurance policy?""

Im 17, and I live in Indiana. Right now I own a car, but the title is in my mom's name, and I am insured as the only driver of that car under her insurance policy. Can ...show more""

How much will motorcycle insurance and registration cost me per year?

I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.

Im 17 make minimum wage and want a car. parents wont help pay car insurance or car payment. what can i d?

im 17 years old and make minimum wage. i want a car but my parents wont help pay for car insurance or car payment. i also need gas money and lunch money. i only make $6 an hour at my job and my insurance $115 and the car payment is $98. is i possible for me to get a car at all?

Could I swap my 50cc scooter's insurance to another bike?

Hey everyone, I was wondering if I sold or swapped my 50cc scooter and got a 50cc geared bike could I get the insurance from the scooter and put it on the new geared 50cc? If so would it affect anything? or cost me money? Would be a massive help if someone could help me out! Thank you for advance :) Information which might be helpful: I paid for 1 year in one payment (annually). I paid for the insurance last month so I still have a lot of insurance time left. Don't want to waste money!""

What is a medical insurance deductible?

Renault Clio insurance for a 17 year old girl in Coventry?

I turned 17 last week, and plan on buying a Renault Clio for less than 1000, (about a 2001 reg). I have trauled all over the internet and cannot really find a decent quote anywhere, so I was wondering what an approximate cost of insurance would be? Thanks! Or if not, what are the best suggestions for a first car? Cheap insurance very important!!""

How to get car insurance at 16 without putting it under your parents name?

i just got my g1 and im looking to buy a car within the next couple of days. i live with my mom and she doesnt drive or have car insurance and my dad has been outta the picture for a long time. so how can i get car insurance under these cirumstances?

Has anyone ever heard of Titan auto insurance?

Which type of car insurance coverage?

say my friend was driving my car and he got into an accident which type of car insurance would cover my car if he's driving it? what if im driving his car and i got into an accident what type of car insurance would cover me, what about my friends car?""

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https://www.linkedin.com/pulse/insurance-quotes-provisional-drivers-christopher-lawman/"

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cutsliceddiced · 5 years ago

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New top story from Time: ‘It’s a Bucket Brigade on a Five-Alarm Fire.’ Food Banks Struggle to Keep Up With Skyrocketing Demand

In a matter of five months, 47-year-old Aquanna Quarles saw her personal finances implode. In December, she totaled her car. In February, the car she replaced the totaled one with was stolen. And in early March, her kitchen flooded, destroying the food in her cabinets and the small appliances on top of them. Quarles remembers thinking, “Oh my God, like what else could go wrong?”

Then the novel coronavirus began spreading across the United States. In mid-March, the state of Ohio, where Quarles lives, began issuing stay-at-home orders, shuttering shops and businesses, and by the end of the month, the rest of the country had followed suit, pushing millions of Americans out of work. Quarles, who works for a home health care company doing both office work and caring for elderly and disabled individuals, saw her hours—and weekly earnings—cut in half.

In April, for the first time in her life, Quarles felt she had no choice but to lean on a food bank to make ends meet. “This was really my first time ever doing it,” Quarles says of her decision to seek assistance from a food charity. “Because if I don’t need it, I’m not gonna go. You know what I mean? But I needed it.”

On April 21, Quarles lined up in her car with thousands of other Ohioans in the parking lot of Wright State University’s football stadium where Dayton’s Foodbank, Inc. had set up an emergency drive-thru food distribution site. On that day alone, the food bank served 1,381 households and more than 4,500 individuals, according to its chief development officer Lee Lauren Truesdale. After four hours, Quarles returned home with about a couple week’s worth of chicken cutlets, chickpeas, cucumbers, eggs, peach-flavored protein shakes, potatoes, rice and watermelons.

Quarles’s recent hardship has become all too common in recent weeks, as tens of millions of working- and middle-class Americans like her—bartenders and servers, childcare providers and hairdressers and hotel staff—have found themselves suddenly with decreased or eliminated incomes for the foreseeable future. On April 23, new unemployment numbers showed another 4.4 million people filed unemployment claims last week, bringing the total since March 14 to more than 26 million. Though Quarles did not lose her job completely, her reduced hours may make her eligible for partial unemployment insurance. Like millions of Americans, Quarles has faced difficulties accessing that benefit. Though she says she applied for the assistance at the end of March, she hasn’t yet seen the payment hit her bank account.

Stories like Quarles’ underscore the fragility of the American economic landscape. Until recently, the U.S. economy was sailing through the longest expansion on record—trumpeting record-low jobless rates and a bull stock market. But after just five weeks of recession, tens of millions of Americans are suddenly without the most basic necessities, including food and medical care. While incomes have vanished, the trappings of middle class life—car notes, mortgages, rent obligations and utility bills—have continued to pile up, forcing Americans who until very recently had full-time jobs to the brink of true poverty. With nearly 40% of U.S. adults unable to afford an emergency expense of $400, according to a 2019 report by the Federal Reserve, many have turned to food charities for help.

Tech Sgt. Shane Hughes—U.S. Air National Guard. Soldiers unload food at the Dayton Foodbank in Dayton, Ohio, on April 21, 2020.

When Three Square Food Bank of Las Vegas was modeling its new drive-thru food distribution systems several weeks ago, it anticipated between 200 and 250 cars per donation site each day. Instead, its chief operating officer Larry Scott says the organization is seeing up to 1,200 cars each day at some of its sites—in queues that stretch to five miles and longer. At the Central Pennsylvania Food Bank, executive director Joe Arthur estimates his nonprofit went from serving 135,000 individuals a month to approximately 175,000. Central Texas Food Bank president and CEO Derrick Chubbs says its Travis County partners saw a 207% spike in clients.

But as new patrons line up for food assistance in record numbers, and old clients become even more reliant on donations, half a dozen major food insecurity nonprofits tell TIME they are experiencing financial and procedural challenges of their own. “All hell broke loose at the first of March,” says Lisa Hamler-Fugitt, the executive director of the Ohio Association of Foodbanks, which doles out resources to the state’s individual food organizations, like Truesdale’s.

Since then, she adds, it’s been “a bucket brigade on a five-alarm fire.”

‘That spigot just shut off’

In fatter times, food banks receive donations of shelf-stable items, like peanut butter, pasta, tuna fish, and soup, from wholesalers, manufacturers, restaurants, and grocery chains that over-ordered. But since COVID-19 hit, those businesses have seen their own stores dry up. Manufacturers are prioritizing shipping their products to grocery stores, which can barely keep shelves stocked, as people have begun to eat all of their meals at home.

In Illinois, a spokesperson for the Greater Chicago Food Depository says it received only 1.83 million pounds of donated food from non-government sources last month—a 30% decrease from what it received a year ago, in March 2019. The spokesperson says the figure is lower in part because restaurants and grocers are less able to give, but also because the nonprofit had to focus on accepting “non-perishable foods in this ongoing crisis,” as shelf-stable items last longer, require less handling, and can more easily be transported to the organization’s partner charities.

“When the pandemic hit the supply chain, that spigot just shut off,” says Hamler-Fugitt. She added, “We don’t have enough food in the system to keep up with this demand. We just don’t.”

As the stream of donations have declined, some food charities have been forced to buy pantry items at or near retail prices, which puts many food banks operating on small budgets in a nearly impossible situation. Under normal circumstances, the cost of supplying a food-insecure client with 28 to 30 pounds of groceries would cost Central Texas Food Bank $5 per box, says Chubbs, its CEO. These days, the cost is closer to $30 per box, at a time when the organization anticipates needing demand for about 25,000 boxes a week.

Tech Sgt. Shane Hughes—U.S. Air National Guard. Hundreds of members of the Ohio National Guard were activated March 18, 2020 to support food distribution efforts across Ohio.

But the food banks that have so far managed to avoid paying retail prices are finding that securing shelf-stable items can be challenging too, says Kate Maehr, the executive director of the Greater Chicago Food Depository. That’s partly because manufacturers are not yet keeping up with new demand for pantry staples, and partly because the products they do produce first go to the retail stores. Food banks, she says, are “last in line.”

“If you’re a manufacturer, you’re going to make sure that you are honoring the relationships that you have with retailers and your core business,” Maehr says. “We are getting told by suppliers that we are three weeks, six weeks, and in some instances, 12 weeks out before we can get truckloads of food.”

Some states have increased funding to food charities to help offset these new barriers, but food bank directors say it’s unlikely to cover the difference. Earlier this month, Ohio Gov. Mike DeWine signed an executive order to provide the Ohio Association of Foodbanks a one-time $5 million appropriation on top of the $25 million the charity receives annually. The group estimates it will need $54 million per month if demand continues to grow apace.

In the past, when food banks in one state have been overrun as a result of regional disasters, like flooding or a hurricane, food banks in other parts of the country have been able to supplement staff and food supply, says Elaine Waxman, a food insecurity expert at the Urban Institute. But in this pandemic, the whole country is affected.

“Right now,” she says, “literally it’s like a disaster in all 50 states.”

More need, but fewer volunteers to accommodate it

It’s not just food donations that non-profits are having to do without. It’s staff, too. Under normal circumstances, food pantries rely on volunteers, many of whom are retired or elderly. But since people over 65 have disproportionately severe symptoms from COVID-19, those staffing resources have dried up. As a result, charitable organizations have had to reduce the number of places where food is distributed.

For example, Three Square, the Las Vegas food bank, has had to suspend food distribution at 170 of its 180 partner organizations, while setting up 21 additional drive-thru distribution sites, according to Larry Scott, its chief operating officer. In a month’s time, the number of sites from which locals in the region can collect food decreased by 83%.

Central Texas Food Bank chief Chubbs says his organization has seen a 70% reduction in volunteers. “One of the biggest challenges that I’ve seen here is how do we balance minimizing the risk of the human resources—our staff and our volunteers—and at the same time, meet that growing demand,” he says.

The Dayton, Ohio food bank where Quarles picked up her rations has also tried to limit people of “advanced age” from volunteering, in an effort to protect their health. At the Ohio drive-thru event on Tuesday, a 73-year-old volunteer confided that he was breaking the age rule, but said he felt like he needed to be helping. “I live alone, I self-isolate at home,” he says. “People need help, and that’s when you want to be out here.”

Tech Sgt. Shane Hughes—U.S. Air National Guard. U.S. Army Spc. Rose Minton unpacks pallets of food at Wright State University’s Nutter Center in Fairborn, Ohio, on April 21, 2020.

Some states, including Ohio, Washington state, Michigan, and Kentucky, have deployed the National Guard to fill the void left by these older volunteers. Andrew Lynch, a 33-year-old Sergeant who was present at Dayton’s Foodbank, Inc. on April 21, compared his service this week to his 2011 deployment to Afghanistan. “Being able to give back to the community and provide a service or a product at a time of need is very similar to when we were in Afghanistan or Iraq,” he says. Though the setting is different, he explains, the purpose is still to keep people safe.

‘This is not going to be a crisis that is measured in weeks’

Even as mayors and state governors prepare to reopen their cities and states, food bank executives expect the uptick in demand for their services will continue for many months, if not years. The aftermath of the Great Recession offers a bleak guide. In 2008, 15% of U.S. householders were “food insecure,” meaning they lacked consistent access to enough food for an active life, according to the U.S. Department of Agriculture. It wasn’t until 2018—a decade after the bottom dropped out of the market—that the proportion of food insecure households rebounded to pre-recession levels. There’s reason to think that this recession will have a similarly long tail for those with no financial buffer.

“There are so many people in this community who are one paycheck away from poverty. And they’re going to lose eight paychecks or 10 paychecks. It will take them a long time to come back to a level of financial security and stability that will equate with food security,” says Maehr of the Greater Chicago Food Depository. “This is not going to be a crisis that’s measured in weeks. I fear that this is a crisis that will be measured in months, and possibly years.”

Once stay-at-home orders are lifted and people begin to return to their pre-quarantine lives, Maehr worries that the general public will forget that more than 37 million Americans struggled with hunger before this pandemic even hit U.S. soil. “I am worried about compassion fatigue,” she says. “I am very worried about what happens when the news camera crews leave.”

SNAP doesn’t fill the gap

Food banks are supposed to be a stop gap measure for other safety net programs, like the Supplemental Nutrition Assistance Program (SNAP), colloquially known as food stamps. For every meal provided by Feeding America—a national consortium of 200 food banks and 60,000 food pantries and meal programs—SNAP provides 12.

But experts say SNAP is facing shortfalls of its own. Though the program is available to most households with gross monthly incomes at or below 130% of the federal poverty line, the average cost of a meal in 99% of U.S. counties is higher than food stamp benefits allow, according to a 2018 report by the Urban Institute. Monthly, the average recipient is allocated just $127.

The benefits program, which President Lyndon B. Johnson signed into law in 1964, is supposed to cover the cost of meals that provide adequate nutrition. But welfare reform in the mid-1990s placed new limits on eligibility, froze the minimum benefit threshold, and reduced the maximum allotments. Since then, the costs of meals that meet the government’s nutritional guidelines have largely outpaced the amount of funding provided.

Tech Sgt. Shane Hughes—U.S. Air National Guard. A soldier directs traffic during a drive-thru food distribution event at Wright State University’s Nutter Center in Fairborn, Ohio, on April 21, 2020.

Household purchases that may be vital during a viral pandemic—including soap, hand sanitizer, and toilet paper—also can’t be purchased using SNAP, nor can pre-made, protein-rich foods like rotisserie chickens and store-prepared meatloaves.

Still, people are seeking out the assistance in droves. Nearly 12,000 Ohioans signed up for SNAP during the first week of March, a spokesperson for the state’s Department of Jobs and Family Services tells TIME. During the second week of April, 29,334 more signed up. The number of Washington state residents who applied for SNAP benefits during the first full week of April 2020 was also more than double what it was the corresponding week last year, a state employee says. And while Nevada received 19,266 new requests for SNAP benefits in March 2019, the volume increased by 43% to 27,465 applications in March 2020, according to a spokesperson for the state’s Department of Health and Human Services.

But many are running into bureaucratic hurdles getting assistance at all. Generally, recipients have to re-certify they still qualify for SNAP every six to 12 months with corroborating documents such as paystubs and proof of child support. That can be challenging for low-income recipients whose incomes are constantly changing: Gig workers can’t predict how many customers will request meal delivery or rides, bartenders can never be sure their customers will tip fairly, and many low-income workers piece together one-off jobs to get by.

“SNAP is built as if people’s incomes are always stable, but people’s incomes are going up and down all the time,” says Mariana Chilton, director of Drexel University’s Center for Hunger Free Communities, and former co-chair of the Bipartisan National Commission on Hunger. “You have to go through this terrible type of surveillance machine in order to prove that you’re worthy.”

Aquanna Quarles, the 47-year-old Ohio home health care aide who saw her hours halved a few weeks ago, says she made too much money over the last six months to qualify for full SNAP benefits at this point. About a week ago, she received a letter from the Ohio Department of Jobs and Family Services about her food stamp benefits, she says. “I thought they were gonna be jacking them up a little bit,” she says. “But they lowered them from $194 to $99.”

She’s since received notice that the benefit will go back up. On Wednesday, the USDA announced a 40% increase in food stamp benefits “to ensure that low-income individuals have enough food to feed themselves and their families during this national emergency.” The increase, paired with partial unemployment insurance, should help Quarles get through the crisis, if and when the assistance actually comes through.

Still, Quarles says, she has faith that her luck will soon turn. It just has to. “What I got out of all of this that happened,” she says, “was God is making better for new.”

via https://cutslicedanddiced.wordpress.com/2018/01/24/how-to-prevent-food-from-going-to-waste

#Time #top stories #IFTTT #news

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mylovingbouquetearthquakewo-blog · 6 years ago

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First off, don't know if location is of any importance but I am from the Sacramento, California, USA area. Like the subject says, I have no insurance of any type, I was thinking of going with Aetna, but only making $90-$120 a week with a temp FedEx job its been kind of rough. But my eyes are going.and its just getting worse. Does anyone know an approximate price of what it would cost to get a pair of glasses without insurance? The charge of the exam and getting the glasses? Or any recommendations for Insurance? Thanks guys if anyone can help. Anthony V -aka TheDunceHat""

Health Insurance N. Florida?

Health Insurance CHP (Capital Health Plan) Tallahassee FL is diagnosing me? Why did my health insurance company contact my primary doctor after a hospital visit? After a recent visit to the ER due to a esophageal stricter which scared us thinking Chest pain! Spent 16 hours being observed and tested! Finally send down to endoscopy for a esophageal dilation! Did the job!! I was sent home 4 hours later! Now two weeks later I get a phone call from my Primary care Doctors office manager saying that my primary received a memo from my health insurance (after my ER visit) company and I was instructed to call and make an appointment for alcoholism counseling???? The night of the incident where I couldn't swallow, and was in pain! we had guests over and had a few beers! I gave the attending ER doctor all information including I had drank beer an hour before I got there. OK, now, For the 16 hours at the hospital and the multiple blood tests, everybody including the Dr's said everything looked good! and the Dr. that discharged me explained to my wife in detail about my blood work, said things were fine. So, why would my CHP (Capital Health Plan) health insurance company be contacting my primary? Especially about alcoholism counseling, this has NEVER been an issue in the past! I'm so upset! I've been with my primary for over 15 years and due to a knee injury he prescribes me mild pain killers, and Florida Law makes him take a urine sample every 3 months! Again this has never come up. Is this normal for an insurance company to do??? I'm so upset!!!!""

Why do we need health insurance?

People complain about not being able to afford health insurance, and people aslo complain that the health insurance they do have doesn't cover what they need it to cover. Doesn't it seem more like health insurance is the middle man that keeps the price of health related goods and services at such a rate that is unattainable by the majority of US citizens? Wouldn't the tens of thousands of doctors be forced to lower their rates to an affordible rate if health insurance, as a standard practice, was abolished?""

What is the cheapest auto insurance in general/in NM?

I feel like i'm paying too much for auto insurance (i have aaa) what other insurnce cold I get that will be the cheapest, I don't drive my car all that much, I just want the cheapses rather than nothing.""

Just a question or two regarding car insurance? :)?

im a 19 year old female who is in college. i want to get a car but seeing as im a broke college kid money is a bit of an issue. how much would i end up paying for car insurance if im on my parents insurance(we have allstate)? i was also looking into getting a electric car, would that be more expensive to insure or should i just buy a junky old car for my first? tips, advise, and recommendations are much appreciated. thank you for your help! :) <3""

Was it wise for me to cancel my car insurance?

I had gotten into an accident. ICBC says it's 100% my fault, and I did just file an injury claim for myself and my family members that were in the car with me. I don't think my car is drivable, but if it is, then it's not worth fixing because I don't have collision and it would cost more to fix than how much I had bought it for. What I did yesterday, was cancelled my car insurance. But I was just talking to someone who told me that it wasn't a good idea to do that. And now I'm doubting myself. Will this be held against me? The person in the other car claimed injury and her car is also damaged. Did I just dig a deeper hole for myself?""

Gieco insurance rate?

Ok I got a auto quote and I lied on the online form I said I have no tickets and car crashes.I do have some Im 18 years old And If I chose this company will they find the tickets? I did give my social number.

Good auto insurance company in St. Jonh's Canada?

I'm looking for a cheap auto insurance companies in NL. Can anybody help me on this please? I'm from New Zealand and was paying $70 a year for my car insurance and was blew away with the amount of the insurance in Canada. I know it's depends on car type driving record etc, but I just need names of companies which is generally cheap.""

I am looking for Gerbers Babies Life insurance?

Gerbers Baby foods sell life insurance for infants

Driving w/ no insurance?

i was driving my dad's car to the movies one night and got into a car accident. I don't have insurance on the car because its my dads, but i do have insurance on my car is it possible to get my insurance to cover the accident?""

If i cash in my insurance(life) after 34 years ? 2500 policy?

i was born in 1962 in 1976 my family purchased a $2500 life insurance policy on me .what is its value now?

What happens if I lapse on my car insurance for a day ?

I read some forums online and it seems pretty heavy. Right now I am out of work and I am living on unemployment insurance. I can barely make payments using that. Anyway my car insurance is supposed to be cancelled this monday at 12:01A.M. standard time. I called them today to make a payment . But the local office is closed and the main office said they can't take anything less than the premium which is - $792.38. I can't pay that right now. That's out of the question. I want to be able to make the monthly payment on it so I won't get cancelled and get a lapse on my car insurance . What is a lapse and how will it affect me. because it seems like there is absolutely NO OTHER CHOICE , i have right now than to just wait for monday and call them to find out that it's cancelled and worse if they said , Since it's cancelled they can only accept the Whole Premium!! My new policy renewal date is from Oct 09 , 2010 to April 09, 2011 according to the id card But what happens if there is a lapse in my coverage? Can i be arrested or my license suspended because of this??""

How much auto insurance do I need?

How much auto insurance should I get for a 1999 Ford Escort that is already paid for. I have insurance now but it is 660 dollars a year and that sounds like way too much for an 11-year-old car.

Should Keep or Look into term Life Insurance Quotes?

I have a whole life policy which I have been paying 45.00 per month for 16 yrs. I have to pay this amount until age 99 so they say. The amount it was for when I bought it was 50,000. It builds cash value. I am now 62. Should I keep this policy or look into term insurance?""

Does a moving violation affect your insurance?

I was at a red light and quick switched lanes less than 50 feet of the intersection and turned right on a red light, but their was no traffic oncoming.... so will it affect my insurance?""

Will my Insurance reduce if I go for a Defensive driving course?

I have couple of violations (one accident, but I didn't claim any because there was no damage). Now I see my insurance has sky rocketed. Wat are the best ways to reduce my car Insurance ? I tried calling most of them they give me the same number give or take , now I want a different solution like going to a course""

Why can't we have Medicare for all?

Old people love it?? I don't get it. It's so unfair. My cousin has MS and she couldn't afford Health Insurance and her employer didn't offer it to her. By the time she could qualify for Medicaid, her MS became much worse, and she is not doing well right now. All Americans should have the right to be healthy. It's not a privilege, it's a right!""

How much could the cheapest car insurance be for a length of 6months?

I am planning to by a car and I wanna get my finances together. Knowing fully well that getting a car is one thing and insuring it is another, I wanna find out how much the cheapest car insurance could be for a 6months period.""

Cheapest motorcycle insurance?

I'm looking forward to getting a motorcycle and I was wondering what's the cheapest insurance you can get. I'm not looking for companies at the moment, I just want to know what's the cheapest plan for almost any insurance company. .""

Cheap Health Insurance In New York State for single adult?

Is there any good but cheap health insurance in new york state not based on income?

""Car insurance, Help!?""

I crashed my car into another car, both card sustained minimal damage, I just payed for my car to be fixed without consulting my insurance, is this illegal? And furthermore could I settle a money agreement with the guy I crashed into? is this all legal? Also if the guy decided to go through insurance would someone come inspect my car or inspect his... Basically what would the whole procedure be? I haven't contacted him yet""

Life Insurance?

I'm a joint account with my husband's credit union, Michigan First Credit Union, Priority Credit Union, Detroit Municipal Credit Union which is here in Detroit Michigan some of them has a promotional life insurance like CUNA Life Insurance which is included with my husband's Michigan First Credit Union that he included. My question is, can my husband include me or buy a life insurance for me that is included with those credit union as family life's insurance. Is that possible? I just want to know because I'm only new here in USA and came from other country so I'm scared with this life insurance that my husband buying, can he buy life insurance for me in those family credit union.""

quick auto insurance quote near me

Who do you find is the cheapest car insurance ??

I have been searching the net getting quotes the cheapest i got was 237(fully comp) for a astra it's 16v 75 bhp i have 6 years no claims do you think this sounds ok ave used all the usual compare the market confused.com ect everything i can find usin a search engine really any more sugestions appreciated

Car insurance?

I am a newly licensed driver and i dont know who insures them. Please help. I am 19 and own a jeep cher. If you are or know anyone that could help it would thanked. I am also in California.

""Health Insurance 15 years, now NO health insurance!?""

I've had insurance since I've been on my own now, roughly 15 years. However thanks to Obamacare my insurance plan has been cancelled, so now I don't have insurance. Obamacare requires maturnity care, which of course mine didn't cover because I am a male. I looked into Obamacare but it was like 400 a month for me versus my other Blue Cross plan which was 175 a month and had almost little to no co-pay and a very low deductible. So someone explain to me how after all these years of hard work and having GREATTTTTT health insurance I have NO health insurance and basically don't want this bronze OVER priced piece of crap high deductible health insurance. If your broke, then you can't even afford the bronze because the deductibles are so high that it will bankrupt you and you won't get the subsidies until end of year so you can't afford it anyway LOL. Kinda sad I lose my health insurance so some low life can now finally have something they can't afford to use any way.""

""Heath insurance, where to get it?

What kind of health insurance is for a 2 years olds? And where can we get it? Thanks !!

Question on auto insurance?

I am quite new to owing a car and getting insurance, when obtaining quotes what are some of the questions that you ask the insurance agent? Also, are there different policies that cover if your vehicle is stolen or does this come in the standard policy? Any other useful info that anyone could provide will be appreciated. Thanks.""

Volvo S40 insurance cost?

I'm going to lease a new car soon and I had my heart set on a 2008 Volkswagen Jetta SE ($21,040), but yesterday I found an really good deal on a 2007 Volvo S40 ($20,800). It's never been sold so it's technically new (it was a dealer demo). I'm just wondering if the insurance on this car would be similar to that of the Jetta. It's the base model 2.4i with no options except the automatic transmission. Do you know if if the Volvo would be more costly to insure?""

Cheapest car insurance for a 21 year old 2002 Mazda protege 5?

Live in Ajax Ontario, and I also have 2 suspensions non alcohol related""

First time insurance for a 17 year old lad?

The cost of insurance is so high even if i added him to my current policy. so then i am wondering about putting him third party on his own insurance.. what are the main pro's and cons' of this... his car is worth about 850 and his excess would between 650-750 anyway, thanks in advance for your help :-)""

How much will my car insurance increase from my speeding ticket?

I currently pay $750 a year on my car insurance and i just got a speeding for 40km over the posted speed limit. i got 4 demerit points. also i live in ontario canada

Insurance for a motor bike or scooter?

Hey there, Im 19 years old and currently a student. I am looking to purchase a motorbike, but will probably buy a scooter instead since its cheaper and easier to get used to and ride. But the problem is, im not sure how insurance works on scooters as well as the legalities of actually riding them. So where could I get my scooter insured, on average how much would it cost, do I need any licences or lessons, etc...? Help!""

Average Teen Car Insurance Prices?

I'm a 16 year old female who is currently just looking around to see how much I can expect to possibly pay when I get my own car. Please don't give me answers like Add yourself to your parents insurance Or Have your parents call their agent ... My parents DON'T drive and I'm NOT burdening anyone else in my family to put me on their insurance plan. I want to be independent and see if I can do it on my own.. So back to the question. On average, how much money could someone in their teens expect to pay for car insurance?""

Should I still be paying full car insurance ?

Hi, my car was recently in an accident that was the third party's fault but my claim is still ongoing. My car has been written off and is in the third party's salvage yard. As ...show more""

Do you have to have a care to have car insurance?

I am not ready to purchase a car, however I figured if I started paying car insurance now, when I am ready to purchase a car I wont have to pay so much to start the policy. Is this true?""

Cheap car insuarance for young drivers?

Im an 18 year old girl just passed my driving testr didnt think insurance would be so much. Iv checked most comparison sites does anyone know how to bring my insurance down or cheap deals:?

Health insurance in california?

i really need health insurance i have a really bad sinus problem & ADD i already had a surgery in the past for my sinus problem and i had healthy families insurance and they paid for it and they used to pay the office visits too my mom only paid $5 copay and since i turned 19 i cant have that insurance anymore is the some other insurance that is full coverage and is not very expensive? i already tried getting medical but did not qualify and i dont have a job because everyone is getting laid off over here

Do you buy the car first then get insurance or the other way around?

How could you get insurance if u don't have a car to fill out the car quotes info like millage, make, year, and so forth if u did not buy the car as yet?""

The supposed 40million that don't have Health insurance..how many?

How many don't have it because they don't care to have it? How many don't have it because they can not find an affordable insurance plan? How many in this 40million number are not legal citizens? How and who came up with this number?

""Silly car insurance cost, why so much?

I am a 40 year old woman who is taking my driving test next week. I have run through some quotes for a car (nothing flash or sporty) and the cheapest I can find is 1450 fully comp. I thought this was some kind of joke but it appears to be true. Why is it so much? I'm not a young person but this has priced me out of affording a car for the foreseeable future. I've just wasted 4 months learning. Why on earth is it so much and why are they getting away with it? It would be cheaper to take the risk and get a fine if I was unlucky enough to be stopped surely? Not going to do that before anyone gets on their high horse but just saying.

Does motorcycle insurance cost the same as car insurance?

Currently 18 years old and was looking for a car but I am also interested in motorcycles. The bike would be a 1979 Honda Twinstar 185. I just wanted something to zip around in in the city. Would it be less considering if I crash there isn't much to repair? or more because I am a teen? I currently pay $150 as a secondary driver on my dad's car insurance. I know there are a lot of factors to determine price but how much of a difference is it normally?

How much would it cost on insurance average for a 17 year old owning a street bike?

im looking at 2012 ninja 250r kawasaki street bike and wondering the average insurance monthly and im 17 years old

""I am in the militarty and moved to another state, can I have my car insurance from my home state?

I am a resident of and my vehicle is registered in South Carolina and I am stationed in California. California's insurance is way higher than SCs. I would like to carry insurance from SC on my vehicle.

I hit a fence with my car will my insurance rates go up if I make a calim?

The other day I was driving my 2000 honda accord and out of no place came a deer that ran out in the street from the woods.I turned my wheel hard to the right not to hit the deer and I hit a woodin fence at an abandoned house.My car is dented up pretty bad .I have full coverage I know the car is 12 years old but it was in excelllent shape before this.if I file a claim will my insurince rates go up?

Buying a car v.s buying car insurance?

My father doesn't have credit history because he never used credit card or anything. My credit is way better than him. I'm getting an car loan but worrying about the insurance problem. I'm only 21 in college my insurance will be extremely high so i'm just wrondering can i buy a car with my name and buy insurance with my dad's name? Are we allowed to do tat?

I hit a fence with my car will my insurance rates go up if I make a calim?

Pregnant And Can't Get On State Health Insurance!! What Should I Do!?

I'm so pissed off!! I have tons of medical bills stacking up and I am on no health insurance! Because I live with my parents and am under age 21 (I'm 20 and will be til May), and I already have one son. Thankfully he's covered. But I have all these bills that are stacking up and won't be able to be paid off because by the time I get on anything it'll be past the 3 month time limit for back pay!! I live in MN and the problem with getting my parents income is my mom and dad both have new jobs, but my dad was laid off his old job so how the hell am I supposed to get his stop work form filled out by a company that no longer exists!?! I can't get on anything unless I have their income!! Even tho' I'm 4 months pregnant!! This is so f***'d up!!""

quick auto insurance quote near me

https://www.linkedin.com/pulse/i-live-ca-am-drive-pa-have-lost-license-card-which-also-jose-finley/"

0 notes

ethelbertpaul444-blog · 6 years ago

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Millions Of Americans Go To Mexico When They Need Healthcare

How much does healthcare penalty in the USA? Let’s leant it this mode: It’s often cheaper to float to another goddamned country, get medicine there, and fly back. It is about to change that Americans do this all the time, and their well-liked destination is their forever slandered neighbor to the immediate south … 5 Going To Mexico For Treatment Can Be Worth It — Even If You’re Already Insured You likely already was well known that healthcare is practice more expensive in the USA than just about anywhere else. But “youre supposed to” also know we got a big ol’ health care overhaul this past decade that was supposed to fix things( amongst other aftermaths, it shortened the number of uninsured Americans by a significant quantity ). And yet even today, Americans find it worthwhile to leave the country when they need treatment. Ogling simply at California, a million medical tourists a year disappeared across the border both before Obamacare and after Obamacare. “If anything, we’ve gotten more business since Obamacare, ” replies Jerry, who shuttles medical tourists south in his shuttle bus. So what’s going on here? div > “American health insurance is really strange, ” mentions Dr. Juan, a Mexican dentist whose practise is a mile south of their own borders. “It can treat so much better or so little.” Some of the American patients who be coming home with Dr. Juan don’t have insurance, but most do, and they tell him it’s still cheaper to pay out of pocket in Mexico than to shed it to insurance in the U.S. Hope still generally leave you with a deductible to pay, and deductibles keep changing. Unless you are eligible for subsidies, your out-of-pocket expenses probably went up under the Affordable Care Act. So cheap care in Mexico can look like one blaze of a good alternative. Costs overall are seemed like it was gonna be 40-65 percent lower than in America — 70 percent or even more if we’re talking about dental wreak. When you’re fronting a five-figure legislation in the U.S ., that means you can buy an aircraft ticket to Tijuana, record a hotel there, get mended, and then throw in another week of sightseeing and tequila on top of that, and you’ll still end up spend less than if you’d come the work done at home. Read Next I Worked For A Company Selling Fake Paintings To Old People You might even save occasion, since these infirmaries don’t acquire you wait for elective procedures. We should mention, though, that American wait times are just the worst in the world. “I get enough Americans complaining about waiting months, ” alleges Jerry. “Canadians have to wait years.” So even some Canadians start the medical outing to Mexico, despite penalty not really being an issue when you’ve got authority healthcare. One recent Canuck passenger of Jerry’s required leg surgery so she could step accurately. “She told him that the wait in Canada was 5 year, ” he pronounces. “I couldn’t believe it.” But she got fixed up five years sooner by ability south( or as we usurp Canadians call it, “south-south” ). 4 Some Tourists Like Mexican Healthcare While Still Being Racist Against Mexicans You might dream there’s something of an intra-state conflicts for patients who bawled for a border wall to keep the filthy Mexicans out, only to themselves go south in their era of necessitate. This is no longer representing the most people Jerry freights, but there are enough of them that he’s come to expect it. div > Someone might refer to the “beaner doctor” they’re go to. Or “wetback doctor, ” which comes off as very ignorant both in the that’s racist impression and in that the speaker appears not to know what that slur literally necessitates. “Wetback doctor would be working outside a Home Depot if it wasn’t for us, ” said one passenger, according to Jerry, demonstrating so many levels of misunderstanding that we don’t even know where to start. One vast somebody got on the shuttle and announced today that it everyone, “I’m a Vietnam vet, and the VA can’t do shit about what I have.” It could be the first line of a moving tale of woe, but Jerry predicted purely by looking at him that the person “wouldve been” perturb. “He preserved mentioning ‘spic with a scalpel, ‘” he tells us, “in place of ‘Mexican doctor’ — or, let’s be real now, ‘doctor.'” Jerry has light scalps( plus a epithet tag that predicts “Jerry” ), so passengers seem to assume he’s cool with hearing insults , not realizing he’s half-Mexican himself. He often doesn’t said so, though in the case of the large Vietnam vet, he did tell the guy he should consider deterring that shit to himself once he’s off the bus. 3 It’s Hilarious How Mistaken Patients’ Idea Of Mexico Is Jerry can generally approximate how much individual patients are all aware of Mexico based on where they’re from. He’ll get parties from Texas or New Mexico or Arizona, and they know exactly what to expect from a major Mexican city, especially if they happen to be Latino. “And then we get parties from space up north, ” supposes Jerry — people who’d never visit Mexico but for this surgery of theirs. “They expect to see mariachi strips everywhere.” Now, we altogether recommend you check out some mariachi music next time you’re in Mexico, but not every locate “theres going” will look like a cheesy themed theme park. Dr. Juan’s office, for example, looks like a dentist’s part anywhere else in the world, to the disappointment of countless Americans with unclear hopes of something strange. A Mexican hospital is … a infirmary, with no special indigenous prospers. “Some people expect taco stands inside, ” suggests Jerry. He’s not kidding; one Canadian patient joyously placed at a booklet that spoke “taco bar on proposition, ” imagining he had been able to get pico and guac in the waiting room. Jerry had to explain that the brochure was for a hotel. div > Other fares complain to Jerry when a infirmary hallway has English publications set forth by staff trying to cater to Americans. These cases want Spanish magazines so they can “see the culture”( even if they can’t spoken said magazines, since they don’t know Spanish ). Some elderly patients, whose part knowledge of Mexico appears to come from Westerns and footage of illegal border crossings, complain about never learning the “real” Mexico, because the city they see has sidewalks and paved roads. 2 Patients Originate Whole Trips Out Of Hospital Visits Some medical tourists do make the opportunity to spend a little more time in the country they’re seeing. Jerry will be taking some busload to the hospital, and he’ll notes the fact that hardly any of the talk behind him is about anything medical. Instead, passengers talk about relaxing by the fund later, or going horseback riding. “It sometimes feels like I’m taking them to a used, ” he alleges. The medical procedure is simply one day of a week-long vacation. div > Good for them, but that’s “the worlds largest” surreal part of this whole thing. Medical costs force Americans into bankruptcy, leave others dead, and acquired these particular cases leave their country in search of treatment they are unable render, but it can also be an excuse to deplete a few daylights working on your suntan. “An American said it was like being given a five-hour sales pitch on a timeshare for two nights free, ” reads Jerry. “The surgery is like the lecture, and the remainder of the expedition procreates up for it.” And why not? They’re still saving coin, even with all the additional stuff included. We’ll say it again: This is nuts. And the cities they inspect merrily cater to this specific kind of traveler. Shuttles like Jerry’s are one part of the medical tourism industry, because no one wants to drive liberty after surgery( or raise their vehicle to a country they’ve learn is full of crime ). Clinics push these shuttles, which pick you up at an American airfield or other spot north of the border and make you immediately to an enthusiastic physician fluctuating a stethoscope. div > Many of these are standalone clinics, but others grab the all-inclusive/ office park model to dive into the “tourism” part of medical tourism. “There is likely to be restaurants, stores, spas, ” adds Jerry. The diners have rice and other soft nutrients, perfect for dental patients still sore from Dr. Juan’s probing. Pamphlets address you to the spa from within the hospital itself. And when you walk out of an nose clinic, you’ll examine hawkers selling something excellent for patients with dilating schoolchildren as well as tourists of all kinds: sunglasses! Which might be sincere Ray-Bans, if you don’t look at the emblem very carefully. 1 Even Medical Tourists Mistrust Foreign Doctors Expensive intends good, we’ve been educated. Cheap symbolizes bad. Cheap knockoffs are sure to be inferior, with cheap Mexican knockoffs obviously not an exception. So some Americans deem lost-cost Mexican healthcare with the skepticism of, say, that sightseer being sided$ 5 Ray-Bans. div > Dr. Juan’s patients think they know more about openings than he does, and insist on describing how their own dentists back home do acts. Or they’ll ask if he knows what Novocain is. “Not if I’m going to use it, ” he clarifies for us, “but if I know what it is.”( He does know what Novocain is. He also knows they are likely planned lidocaine, because most dentists haven’t squandered Novocain for decades .) His favorite route came from a sponsor New Yorker, who admonished him before a procedure, “Be sure to use surgical gloves.” Other patients are amazed “hes having” state-of-the-art rig. One was surprised to see solid brick buildings. Those sentiments seem laughable to Dr. Juan, but patient proposes do suggest that you research any foreign clinic and even check it out privately before agreeing to be treated. Sure, good doctors in Mexico may be as skilled as their equivalents in America, but that doesn’t mean you can trust merely any building in a border hamlet or resort town that blasphemes it’s a infirmary. Perhaps you’ll find yourself operated on by a cosmetologist instead of a surgeon and needlessly end up dead. Or perhaps the mistake will be less major, but you won’t have American tribunals keeping you afterward or get you compensation. Medical tourism comes with gambles. It’s a cluttered workaround that shouldn’t be necessary , not some awful hacker that vanquishes the system. div > Every so often, a patient of Dr. Juan’s will get up from the chair, still in severe suffering, and leave. “Sorry, ” they say, leaving their nonrefundable payment behind. “I can’t do this.” And at least formerly a few months, Jerry makes some fare like that back to the U.S ., their procedure abandoned. One memorable person became it as far as having his leg scraped in surgical prep before getting out of there, scared at the last minute by sounding the doctors speaking Spanish. On the shuttle north, the other fares talked about how well their own procedures had gone, so when they are crossed their own borders, he phoned the hospital, asking if he could do the surgery after all. They told him it was too late — to go forward with it, he’d have to pay the fee a second time. Maybe he ceased up doing that. Even compensating twice, it would still be a bargain. Evan V. Symon is a columnist, interview finder and correspondent for the Personal Ordeal section at Cracked. Have an impressive profession/ experience you’d like to see up here? Then hit us up in members of the forum . i> Interested in making a expedition to Mexico? Check out Fodor’s Guide to San Diego and Tijuana . b > i> Support Cracked’s journalism with a call to our Contribution Page. Please and thank you . b > i> For more, check out A Zero B.S. Guide To American Healthcare and 5 Huge Problems Nobody Told You About American Healthcare . b > i> Follow us on Facebook, and we’ll follow you everywhere . b > i> Read more: http :// www.cracked.com/ personal-experiences-2 563 -millions-americans-go-to-mexico-when-they-need-healthcare.html http://dailybuzznetwork.com/index.php/2018/06/23/millions-of-americans-go-to-mexico-when-they-need-healthcare/

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shieldmysenior · 7 years ago

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Seniors Can Now Lower the Potential of Identity Theft with MySSA

View Original Article Here: Seniors Can Now Lower the Potential of Identity Theft with MySSA

Metlife Mature Market Institute estimates that senior citizens lose a minimum of $2.9 billion a year to identity thieves. There are several ways a criminal can steal someone’s identity, and elders were particularly susceptible to a few tactics.

One of the more common ways in which seniors’ identities become compromised is through the mail. For instance, any criminal can easily access an elderly victim’s mail which may contain sensitive information such as social security checks or credit card statements.

Introducing the My Social Security Account

Creating a My Social Security Account is one of the first steps everyone should take in preventing future identity theft.

Even if you’re a few years from collecting social security, the account will allow you to access your Social Security Statement, obtain estimates of your future benefits, and verify your earnings. You can even request a replacement social security card from the comfort of your own home.

Those who already receive benefits can use their MySSA account to get proof of their benefits, change contact information, change direct deposit information, and replace a lost or stolen Medicare Card. A My Social Security Account provides more than just security. It provides an easy way to access necessary information without tedious steps.

Senior Citizens & Identity Theft Risk

Identity theft occurs when a criminal accesses someone’s personal information and uses it to steal money from their victim. Thieves can clean out bank accounts and ruin credit with only a few pieces of identifying information.

Seniors are at the greatest risk of having their identity stolen. People were more trustworthy when they were growing up. Seniors are more likely to think that the stranger on the phone has their best interest in mind, and are less liable to be suspicious.

Seniors often have a considerable amount of savings compared to the rest of us, which means they are one of the more lucrative targets for identity thieves. Adults over 50 control at least 70% of the national household net worth. Seniors are especially vulnerable and offer a large sum of money to those who want to take advantage of them, which makes them a perfect target for identity criminals.

Online Phishing

Identity theft has been a concern for a long time, and the methods criminals use are developing. Online identity theft is becoming an increasing worry, especially among elderly users who aren’t as computer literate.

Online thieves often send spam emails to their victims asking for personal information. These emails may appear to come from a reputable source, such as Amazon or eBay, but they’re a criminal impersonating a company.

Online Exposure

Sometimes criminals can gain access to information through insecure websites. Seniors may not be as confident on the computer as the rest of the population. They are more likely to click on suspicious links and visit unsafe websites. When this is the case, the victim may not be aware that they put their identifying information at risk before it’s too late.

Fraudulent Phone Calls

Another way criminals get hold of personal information is through phone calls. Criminals specifically target seniors over the phone due to their trusting nature and lack of online presence.

There are several ways a criminal can extract information over the phone. Sometimes they pretend to be the IRS, other times they’ll pretend to represent a charity. Seniors are trusting, so it’s far more likely that they’ll divulge some of their personal information for a chance to help a worthy cause.

The phone calls seniors receive make it clear that they are the ones who criminals target at a larger rate. After the age of 60, people are more likely to receive scam phone calls. They could be offering assistance on a computer, telling you they can reduce your pain, or extorting money out of you by telling you you’re in debt to the IRS. Remember, no legitimate organization will require that you offer any personal information over the phone.

Credit Card Theft

Physical theft has never changed, and the prospect of thieves stealing seniors’ credit cards and wallets are always a concern. A person may not even notice that someone stole their credit card if it was a card they barely use. Theft has always been a slight fear for those who are older, but criminals are making it, so they don’t even have to steal your wallet anymore.

Lately, criminals have made it even easier to take their victim’s information. They no longer have to steal the physical card to take the information. Identity thieves place small scanning devices on credit card machines, allowing them to take the number and run up a tab before anyone notices.

Mail Scams

Just because a senior isn’t active online doesn’t mean identity thieves can't target them by the “phishing” method. Criminals use regular mail to accomplish the same results as they do online.

The thieves send their victims letters that appear to be from a reputable source – somewhere like a bank or doctor’s office. These letters will request some personal information, and anyone who sends something back to these thieves will usually end up losing a considerable amount of information

Mail Theft

Thieves stealing information from the mail has been a problem for as long as identity theft has been around. This method is one of the oldest, and criminals still use it. Seniors are especially susceptible to mail theft because they frequently receive checks and statements that contain sensitive information.

There are several ways in which criminals will steal mail. They can steal it right out of a mailbox, or they can go dumpster-diving to look for documents containing social security numbers and account information. Since seniors usually have a lot more money saved-up, they are one of the best victims for identity thieves who use this method.

Thieves who steal mail can victimize the elderly in a few ways. They can cash checks on the victim’s behalf, but one of the more common methods thieves use is to take the personal information off of the documents they find in the trash. Social Security checks and statements are of specific concern, as these offer multiple forms of identifying information.

Using the information gathered off of a Social Security Statement, thieves can make a profit in various ways. They can bill insurance companies for services, file taxes under the victim’s name, and many other means of making money. These thieves can even target a person after they have died, using the deceased’s information to collect checks and benefits.

A MySSA Account Can Prevent Senior ID Theft

As a whole, seniors are the most vulnerable to mail theft. Computers may not come as second-nature to senior citizens who prefer to receive information in paper form. Unfortunately, receiving paper copies of your Social Security Statement puts you at extreme risk of having your identity compromised by criminals.

Creating a MySSA account is one of the best ways to ensure your identity is well protected. In your account, you can access your Social Security Statement without receiving any mail. This feature eliminates the threat of criminals stealing the mail and using it for their own gain.

For additional security, the My Social Security Account now requires a two-step verification process, where the user is sent a one-time security code when they log in.

On top of the security, the My Social Security Account provides, there are also several features that will make future interactions much simpler. You won’t have to call or send a letter to change any of your preferences. Just log on and make the changes yourself.

The best form of protection from identity theft is to remove the tools that criminals use. Viewing your Social Security online instead of on-paper gives thieves one less way to steal your identity.

How to Create an Online Social Security Account

Creating a MySSA account couldn’t be simpler than it already is. It’s a secure way to ensure that your information is safe and out of the hands of criminals who want to steal from you.

You will provide some of your information to ensure that more of your information isn’t compromised. Follow these simple Social Security account setup steps to protect yourself against people with malicious intent.

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Make sure you have a valid Email address: If you don’t use your computer much, you may be lacking a valid Email address. You need an Email address create a Social Security Account. There are several free options available online, including Gmail, Yahoo, Hotmail, and many others. Choose which site you like best and make an account.

Go to www.socialsecurity.gov/myaccount

Select “Sign In or Create an Account.”

Select “Create an Account.”

Read the Terms of Service and check the box “I agree to the Terms of Service.” Then select “Next.”

On the next page, enter your first name, last name, and middle initial as it appears on your social security card.

Enter your Social Security Number

Enter your Date of Birth, Home Address, and Phone Number

Adding Extra Security: At this stage, the site will ask you if you want to add additional security to your account. If you select “Yes, let’s start now,” then you will be given three options that will offer your account further verification and extra security. Select “Next” once you are finished adding your information to this page.

Answer the Personal Questions: These questions are designed in a way that only the user will know the answers. Make sure that you keep this information secure as well. Select “Next” after you have finished answering.

Create a Username and Password: Your username must contain between 8 and 20 letters and/or numbers. These letters and numbers cannot be part of your name or your Social Security Number. Your password must also contain a minimum of 8 characters, and has to have at least one uppercase letter, one lowercase letter, one number, and one symbol (such as !,@,#,$,%, etc.)

Add your Email address.

Select Password Reset Questions: These questions offer further security in the case that you forgot your password. Make sure to select questions that provide memorable answers but won’t be too obvious to anyone who may try to be fraudulently accessing your account. Select “Next” when you are finished.

Choose How You Want Your Security Code Sent: In this section, you will be asked to provide a means of communication for your one-time security code. If you have a cell phone, you can have the number texted to you. If you don’t have a phone capable of receiving texts or don’t want to receive your code this way, you can have the code sent via email. You can change your registered email at this time.

Enter Your Security Code: If you entered your email or phone number correctly. You will receive a one-time security code to enter into this box. Take note that this code only lasts for ten minutes, so if you miss the window you’ll have to receive a new code.

Account Created: If you have completed these steps correctly, you will get a message telling you that you have successfully created your account.

Signing In: Each time you sign in, you will be required to enter your Email address and password, along with a security code that My Social Security Account will text to your phone or send to you via Email.

Visit www.socialsecurity.gov or call 1-800-772-1213 for more information. TTY number is 1-800-325-0778 for those who are hard of hearing.

About 15 million Americans fall victim to identity theft every year. Senior citizens are particularly vulnerable to these threats due to their trusting nature and larger savings. One of the easiest ways to stop criminals from accessing your mail is to eliminate the identity theft risks. Use MySSA to prevent identity thieves from stealing your Social Security Statements and putting you and your family at risk.

#ShieldMySenior.com

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omcik-blog · 7 years ago

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New Post has been published on OmCik

New Post has been published on http://omcik.com/most-republicans-in-the-u-s-like-medicaid-who-knew/

Most Republicans in the U.S. like Medicaid. Who knew?

Most Republicans in the U.S. like Medicaid. Who knew? – Jul. 6, 2017

Republican lawmakers are hell-bent on cutting federal support for Medicaid. But people who identify as Republican actually like the program.

Both the House and Senate bills would slash federal support for the system, which covers more than 70 million low-income children, adults, elderly and disabled Americans. It would eliminate enhanced funding for Medicaid expansion and send a fixed amount of money to states for the overall program.

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All told, lawmakers want to reduce federal spending by as much as $834 billion over 10 years, compared to current law. That would leave as many as 15 million fewer Americans covered by this safety net, according to the Congressional Budget Office.

Related: The truth about the Republicans’ plan for Medicaid spending

But those who identify as Republicans view Medicaid in a more positive light. More than six in 10 have a very or somewhat favorable view of the program, according to Kaiser Family Foundation’s June tracking poll. True, a larger share of Democrats and independents have a favorable opinion of Medicaid, but the Republican support may raise some eyebrows.

Republicans in Congress repeatedly blast Medicaid as a bloated and ineffective program, saying that one-third of doctors don’t accept it and consumers receive sub-par health care.

Yet, a majority of Republicans surveyed say the program is working well for most low-income participants. Just over half feel it’s working well in the nation overall, and nearly six in 10 say it’s working well in their state.

However, that doesn’t mean they oppose making changes to the program. Some 82% of Republicans surveyed said they support allowing states to add work requirements to Medicaid, while 62% agree with limiting how much money each state gets from the federal government each year. Just over half favor reducing enhanced funding for Medicaid expansion.

More than half of Democrats and Independents also support adding work requirements, but fewer than roughly a third want to pull back on federal funding.

Related: Senate GOP health bill would slash Medicaid. Here’s how.

Medicaid is proving to be one of the most divisive issues in the Republican drive to repeal and replace Obamacare, with lawmakers split over how much to cut the program. It’s one of the main issues holding up passage of the bill in the upper chamber.

CNNMoney (New York) First published July 6, 2017: 2:04 PM ET

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oanda-pp · 7 years ago

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The end of the road for Kampong Cham’s iconic bamboo bridge?

The bamboo bridge connecting Kampong Cham town to Koh Paen has been built every dry season for decades, but with the construction of a modern bridge downstream, this year might be its last. Eliah Lillis

Fri, 5 May 2017

Alessandro Marazzi Sassoon and Rinith Taing

Kampong Cham’s bamboo bridge is one of the province’s most popular attractions and a sustainable feat of engineering. But with a modern government-funded bridge being built up the river, this could be its last year

With every dry season, the waters of the Mekong River separating Kampong Cham town from the roughly 1,000 families on Koh Paen recede, becoming too shallow for a ferry. Each year, for decades, the island’s residents have employed a unique solution: building a seasonal, kilometre-long bamboo bridge until the rains swell the river, then tearing it down again.

Aside from a few missed years due to war, the bridge has been an iconic annual fixture of life in the province.

That is likely to change after this year, however, when modernity finally catches up to the tradition. Two kilometres south of the bamboo bridge, a team of Royal Cambodian Armed Forces engineers is putting the finishing touches on a new government-funded concrete bridge. Once the river rises, the bamboo bridge is likely to come down for the last time.

While the bamboo bridge inspired little romanticism among locals interviewed this week, it has become an object of fascination among foreigners and Cambodians from the rest of the country.

“It is an important attraction in Kampong Cham,” says Yung Oun, the current bridge owner. “Both local and foreign tourists come here. Losing the bridge means losing a lot of tourists.”

But with the construction of a permanent bridge, the cost of building and maintaining the bamboo structure which requires constant repairs will no longer be worthwhile for Oun.

Made from mature bamboo stems from Kratie province that cost $1 to $2 per piece, the bridge’s construction and maintenance requires about $50,000 to $60,000 a year, Oun says.

Owner Yung Oun shows a sketch of the bridge. Eliah Lillis

That cost is recouped throughout the dry season from tolls, which bring in 1 to 2 million riel per day (about $250 to $500). Already the increasing irregularity of the seasonal patterns is making the business hard for Oun, who during the wet season operates the ferry crossing to Koh Paen.

Speaking to Post Weekend, moto driver Yong Sarim says that though there are downsides to losing the bridge, the practicality of a modern alternative is hard to overlook.

“It will be easier to travel with the new bridge, especially at night and we do not have to pay for it,” he says. But standing on the rickety bamboo bridge overlooking the river, the 32-year-old betrayed a sense of nostalgia at the prospect of its disappearance. “I have been using it since I was a child, [and] it is also a great tourist attraction spot, which exists only in my country.”

Spanning generations For local residents, the bridge has been a backdrop to daily life since they can remember – only disrupted between 1973 and 1986 with the civil war and emergence of the Khmer Rouge – though the specific history of the bridge has all but vanished.

Prior to 1973, the bridge was owned collectively by a company of 14 villagers from Koh Paen, according to Nai Seang, 74. She joined the company in 1964, purchasing two shares for 7,000 riel (about $1,500 after adjusting for inflation). Back then, it was only a foot and bicycle bridge built from locally sourced bamboo, with a 1 riel toll for pedestrians, or 2 riel for a bike (about 750 and 1,500 riel today, respectively). As the youngest in the company when she joined at the age of 22, she is the sole surviving member.

“The knowledge would be passed down from one generation of builders to the next,” she says. While Seang says she never asked the older members of the company about the bridge’s history, she remembers it when she was an infant, which means it dates back to at least the 1940s.

That the bridge has become a tourist attraction is a strange curiosity for Seang. “I did not know the bridge has become such a tourist attraction. I was very young when I bought my shares, and to me it was just a thing that helps people cross the river, and a business,” she says.

Requiring about 50,000 pieces of bamboo to build, the bridge is an expensive and, given the maintenance throughout the dry season, time-consuming project. Eliah Lillis

Srun Srim, 70, was the first owner following the collapse of Democratic Kampuchea, and won the rights in a public auction in 1986, holding them until 2004. He says that even in his time the bridge became a costlier endeavour once bamboo had to be sourced further afield, and that the end of the bridge is simply a fact of progress.

“This is development. If the business cannot catch up with modern times it will come to an end,” he says. “This is how it’s going to be.”

Even Oun says it’s been harder with each year to find workers, as the families who used to build bridges have with the development of the Kingdom taken jobs in offices or moved to Phnom Penh.

Though the day-to-day repairs are relatively simple, the bridge itself is a small marvel of engineering, with the support structure consisting of a crosshatch of thousands of sturdy bamboo poles, held together by metal wiring. The surface, meanwhile, consists of four layers of split bamboo matting, which Oun says is capable of bearing as much as 4 tonnes of weight.

The support beams of the bridge. Alessandro Marazzi Sassoon

Gordon Evans, a technical adviser for the local NGO Buddhism for Development Action, who also has an engineering background, says that bamboo warps under pressure, meaning it “bounces” rather than breaking due to passing cars. As such, the experience of driving a car or motorbike over the bridge is like riding a wave, accompanied by the percussive and deafening rattling of the deck under the tyres.

“The deck is also a sacrificial structure, meaning that it is constantly failing under the point loads,” Evans wrote to Post Weekend. “Hence the permanent maintenance team required to keep it patched up. They’ve been doing it so long that they’ve probably developed an optimal cost/use balance for the structure; they certainly only patch up when they absolutely have to, but I don’t think anybody ever fell through it up until now.”

Weighing the benefits Villagers on Koh Paen are of two minds about the new bridge. The location of the old bridge, which connects to the northern tip of Koh Paen, is considered by many to be far more convenient than the new site, and better serves the majority of the island’s population which is clustered towards the northern beachhead.

The new bridge under construction, located 2 kilometres to the south. Alessandro Marazzi Sassoon

Hour Sothida, who sells sugar cane and fruit juices on the road outside her home in Koh Paen Kor village, the closest town to the bridge, says that like many villagers she will likely have to rethink her business model when commuters and tourists are no longer passing through.

“Some villagers want it, and some don’t,” she says. What’s more, for villagers without transportation – the elderly in particular – who would otherwise walk, the new bridge is far, “and we have to spend more on travelling, although we do not have to pay for crossing it”, she says.

Village Chief Tiev Meng Ean, 76, says it’s a matter of practicality. Villages on the south side of the island, where the new bridge connects, are happy about the modern replacement. However, the loss of tourism will definitely have an effect on the whole island economy, he says.

“[Villagers] are selling fruit to the tourists, and making quite a lot of money,” he says, adding that moto drivers, tuk-tuks and horse carts that carry tourists all benefit from the tourism the bridge brings. But as far as bridge owner Oun has noticed, the local government has expressed no interest in trying to preserve the bamboo bridge for its tourism value.

“It depends on the provincial government. I can’t afford to do it. The cement bridge may be a bit farther, but the tourists want to see this bamboo bridge. They also want to rest in the cottages, play on the beach and swim,” he says.

A man on a horse cart crosses the bamboo bridge, heading towards Koh Paen.Alessandro Marazzi Sassoon

Oun, whose rights to the bridge extend for another two years, notes that he also won’t be compensated for income lost from having to abandon the business. His plan is to simply become a businessman in town and sell off the bridge materials and ferry boats.

Reached yesterday, Deputy Provincial Governor Sy Vantha says she does not know if Oun will abandon the bridge, but said that despite its value, there’s no thought being put into a plan to keep it, such as a subsidy.

“I am afraid the government will not pay anything to the owner to keep the bridge,” she says.

“I acknowledge the tourism value of the bamboo bridge, as well as its status as the signature landmark of Kampong Cham. I will be sad to lose it,” she says, although no actual estimate of the bridge’s economic value exists. However, she adds, the authorities believe that value is outweighed by the transportation benefits of the new bridge.

“The people will be able to travel faster and more safely with the new bridge, which will also help them in emergency situations, for example when a woman has to deliver a baby. Plus, they do not have to pay for it either. Moreover, the new bridge will help create more business operations as more people and cars would be able to travel in the region.”

Hok Om looks down on the Mekong River from the new bridge. Alessandro Marazzi Sassoon

For 72-year-old Hok Om, who lives in Koh Sotin village, it can’t come soon enough. “I am so happy with the new bridge . . . my family and the other people could travel more safely and anytime. I wish it would be finished soon,” he says.

But Sarim, the motodop driver, wishes they could have it both ways.

“It will be good if we can keep it, but I am afraid we could not do anything.”

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