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#that's 20 thousand people with individual lives and families and expenses. lost their jobs in the last six months

newstfionline · 3 years

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Saturday, August 21, 2021

Landlords look for an exit amid federal eviction moratorium (AP) When Ryan David bought three rental properties back in 2017, he expected the $1,000-a-month he was pocketing after expenses would be regular sources of income well into his retirement years. But then the pandemic hit and federal and state authorities imposed moratoriums on evictions. The unpaid rent began to mount. Then, just when he thought the worst was over, the Centers for Disease Control and Prevention announced a new moratorium, lasting until Oct. 3. David, the father of a 2 1/2-year-old who is expecting another child, fears the $2,000 he’s owed in back rent will quickly climb to thousands more. The latest moratorium “was the final gut punch,” said the 39-year-old, adding that he now plans to sell the apartments. Most evictions for unpaid rent have been halted since the early days of the pandemic and there are now more than 15 million people living in households that owe as much as $20 billion in back rent, according to the Aspen Institute. A majority of single-family rental home owners have been impacted, according to a survey from the National Rental Home Council, and 50% say they have tenants who have missed rent during the pandemic. Landlords, big and small, are most angry about the moratoriums, which they consider illegal. Many believe some tenants could have paid rent, if not for the moratorium. And the $47 billion in federal rental assistance that was supposed to make landlords whole has been slow to materialize. By July, only $3 billion of the first tranche of $25 billion had been distributed.

Student loans (WSJ) The Biden administration announced it will wipe out $5.8 billion in student loans held by 323,000 people who are permanently disabled. This means the Education Department will discharge loans for borrowers with total and permanent disabilities per Social Security Administration records. Currently there is $1.6 trillion held in student loan debt, much of which could be eliminated through executive action.

New England preps for 1st hurricane in 30 years with Henri (AP) New Englanders bracing for their first direct hit by a hurricane in 30 years began hauling boats out of the water and taking other precautions Friday as Tropical Storm Henri barreled toward the Northeast coast. Henri was expected to intensify into a hurricane by Saturday, the U.S. National Hurricane Center said. Impacts could be felt in New England states by Sunday, including on Cape Cod, which is teeming with tens of thousands of summer tourists. “This storm is extremely worrisome,” said Michael Finkelstein, police chief and emergency management director in East Lyme, Connecticut. “We haven’t been down this road in quite a while and there’s no doubt that we and the rest of New England would have some real difficulties with a direct hit from a hurricane.”

Booming Colo. town asks, ‘Where will water come from?’ (AP) “Go West, young man,″ Horace Greeley famously urged. The problem for the northern Colorado town that bears the 19th-century newspaper editor’s name: Too many people have heeded his advice. By the tens of thousands newcomers have been streaming into Greeley—so much so that the city and surrounding Weld County grew by more than 30% from 2010 to 2020, according to the U.S. Census Bureau, making it one of the fastest-growing regions in the country. And it’s not just Greeley. Figures released this month show that population growth continues unabated in the South and West, even as temperatures rise and droughts become more common. That in turn has set off a scramble of growing intensity in places like Greeley to find water for the current population, let alone those expected to arrive in coming years. “Everybody looks at the population growth and says, ‘Where is the water going to come from?’” [one local professor] said.

Everything’s Getting Bigger In Texas (AP, CNBC, Forbes) Texas has long been a popular destination for newcomers, thanks to cheaper land and housing, more job opportunities, lower taxes, and fewer regulations. There’s also the great weather, food, schools, and medical facilities, the abundant resources and year-round recreation and outdoor activities, artistic and cultural events, fairs, festivals, music venues, and the diverse and friendly people—you know, just to name a few. Texas has always been a business-friendly environment, which has certainly not been lost on tech and financial companies headquartered in strictly-regulated and high-priced states like California and New York. There are 237 corporate relocation and expansion projects in the works in Texas just since the pandemic hit. Tech giant Oracle moved its headquarters to Austin in late 2020; Tesla is building its new Gigafactory there, and Apple will have its second-largest campus there as well. Both Google and Facebook have satellite offices in Austin, and the file hosting services company Dropbox will be leaving San Francisco for Austin. Recently, the global real estate services firm CBRE and multinational financial services behemoth Charles Schwab moved their headquarters from California to the Dallas area. Hewlett Packard’s cofounders were two of the original grandfathers of Silicon Valley, who started their company in a Palo Alto garage in 1939. Now, the corporation is moving its headquarters from San Jose to Houston. And the number of mega-wealthy individuals who’ve moved to Texas are too numerous to mention. It’s not just big cities like Dallas, Houston, Austin, and San Antonio that are seeing an influx of people—bedroom communities are growing by leaps and bounds as well—places like New Braunfels, located in the Texas Hill Country, Conroe, 40 miles north of Houston, and McKinney, just 30 minutes up U.S. 75 from Dallas.

‘Bracing for the worst’ in Florida’s COVID-19 hot zone (AP) As quickly as one COVID patient is discharged, another waits for a bed in northeast Florida, the hot zone of the state’s latest surge. But the patients at Baptist Health’s five hospitals across Jacksonville are younger and getting sick from the virus faster than people did last summer. Baptist has over 500 COVID patients, more than twice the number they had at the peak of Florida’s July 2020 surge, and the onslaught isn’t letting up. Hospital officials are anxiously monitoring 10 forecast models, converting empty spaces, adding over 100 beds and “bracing for the worst,” said Dr. Timothy Groover, the hospitals’ interim chief medical officer.

Grace heads for a second hurricane hit on Mexican coast (AP) Hurricane Grace—temporarily knocked back to tropical storm force—headed Friday for a second landfall in Mexico, this time taking aim at the mainland’s Gulf coast after crashing through the country’s main tourist strip. The storm lost punch as it zipped across the Yucatan Peninsula, but it emerged late Thursday over the relatively warm Gulf of Mexico and was gaining energy. The U.S. National Hurricane Center said Grace’s winds were back up to 70 mph (110 kph) early Friday and were expected to soon regain hurricane force. It was centered about 265 miles (425 kilometers) east of Tuxpan and was heading west at 16 mph (26 kph). The forecast track would take it toward a coastal region of small fishing towns and beach resorts between Tuxpan and Veracruz, likely Friday night or early Saturday, then over a mountain range toward the heart of the country and the greater Mexico City region. Forecasters said it could drop 6 to 12 inches (15 to 30 centimeters) of rain, with more in a few isolated areas—bringing the threat of flash floods, mudslide and urban flooding.

“Self-determination 1, Human Rights 0” (Foreign Policy) Most Latin American governments offered little official support to the U.S. War in Afghanistan when it began in 2001. At the time, Venezuela put forward a blistering critique of meeting “terror with more terror,” and then-Cuban leader Fidel Castro said U.S. opponents’ irregular warfare abilities could draw out the conflict for 20 years. Over the weekend, as the Afghan government collapsed and chaos engulfed Kabul’s airport, today’s leaders of Cuba and Venezuela echoed their critiques while foreign ministers of other Latin American countries diplomatically issued statements of concern about Afghanistan’s humanitarian needs. Chile and Mexico made plans to accept Afghan refugees, and several countries signed on to a joint international statement protecting Afghan women’s rights. To many in Latin America’s diplomatic and foreign-policy communities, the dark events in Afghanistan confirmed the importance of the principle of non-interference in other countries’ internal affairs. The extended U.S. presence in Afghanistan was “the same mistake as always: trying to build democratic states through the use of force,” Colombian political scientist Sandra Guzmán wrote in El Tiempo. Many Latin Americans stressed that methods other than military interventions should be used to work toward human rights, even as they acknowledged how challenging it can be to make progress. “Self-determination 1, human rights 0 #Afghanistan,” tweeted Uruguayan political scientist Andrés Malamud after Kabul fell.

Afghanistan war unpopular amid chaotic pullout (AP) A significant majority of Americans doubt that the war in Afghanistan was worthwhile, even as the United States is more divided over President Joe Biden’s handling of foreign policy and national security, according to a poll from The Associated Press-NORC Center for Public Affairs Research. Roughly two-thirds said they did not think America’s longest war was worth fighting, the poll shows. Meanwhile, 47% approve of Biden’s management of international affairs, while 52% approve of Biden on national security. The poll was conducted Aug. 12-16 as the two-decade war in Afghanistan ended with the Taliban returning to power and capturing the capital of Kabul. Biden has faced bipartisan condemnation in Washington for sparking a humanitarian crisis by being ill-prepared for the speed of the Taliban’s advance.

The U.S. Blew Billions in Afghanistan (Bloomberg) The rapid collapse of Afghanistan’s government to the Taliban fueled fears of a humanitarian disaster, sparked a political crisis for President Joe Biden and caused scenes of desperation at Kabul’s airport. It’s also raised questions about what happened to more than $1 trillion the U.S. spent trying to bring peace and stability to a country wracked by decades of war. While most of that money went to the U.S. military, billions of dollars got wasted along the way, in some cases aggravating efforts to build ties with the Afghan people Americans meant to be helping. A special watchdog set up by Congress spent the past 13 years documenting the successes and failures of America’s efforts in Afghanistan. While wars are always wasteful, the misspent American funds stand out because the U.S. had 20 years to shift course.

Western groups desperate to save Afghan workers left behind (AP) The Italian charity Pangea helped tens of thousands of Afghan women become self-supporting in the last 20 years. Now, dozens of its staff in Afghanistan are in hiding with their families amid reports that Taliban are going door-to-door in search of citizens who worked with Westerners. Pangea founder Luca Lo Presti has asked that 30 Afghan charity workers and their families be included on Italian flights that have carried 500 people to safety this week, but the requests were flatly refused. On Thursday, the military coordinator told him: “Not today.” Dozens of flights already have brought hundreds of Western nationals and Afghan workers to safety in Europe since the Taliban captured the capital of Kabul. Those lucky enough to be rescued from feared reprisals have mostly been Afghans who worked directly with foreign missions, along with their families. European countries also have pledged to evacuate people at special risk from the Taliban—feminists, political activists and journalists—but it is unclear exactly where the line is being drawn and how many Afghan nationals Western nations will be able to evacuate.

#headlines #news

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caffeine-catastrophe · 5 years

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Go the Distance! CH. 2!

click here for chapter one!

A/N: Thank you so much for such a positive response to the first chapter! It made my day to see all the reviews. Please keep them up :) There were a few questions about what a grant is, and some confusion over the general plot of this story, so I will do my best to give y'all some context. The rest will be revealed later on in the story, I promise.

A grant is defined as "a sum of money given by a government or other organization for a particular purpose. ie: a research grant". The one mentioned in this story is being offered for the sole purpose of giving young people a chance to pursue their dreams and aspirations, without having to kill themselves working three jobs like the rest of us do in real life.

Some other things: the gang is about the same age, a year or two out of high school (in my mind, L is 19 - coincidentally the legal drinking age where I live - N is 20, and G and E are 21 ish). None of them are in college at the moment, because student loans mean interest and none of them really want to (or are able to) deal with the future repercussions of that. Their individual career paths and aspirations will be discussed further into the story.

I hope you like the second chapter! The next one is already done, so I'm going to finish the one after that before I publish it!

Go the Distance

Three days, four million dollars, and a cross-country road trip that will change their lives for good. OR: The Dreyar Grant for Brighter Futures is a prestigious scholarship granted to only the most deserving of candidates, but even miracles don't come without a price.

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... And a thousand years would be worth the wait It might take a lifetime, but somehow I'll see it through...

"Thank you all for coming," Ms. Strauss begins cheerfully, seating herself at one end of the large conference table situated in the centre of the room. She gestures for the four trailing awkwardly behind her to take a seat on either side of her. Lucy finds it increasingly hard to concentrate as Ms. Strauss begins to brief them on the legalities of the grant. She hands her the envelope containing her high school transcript and photocopied version of her passport, and watches in a zombified stupor as the others do the same. "I'll send these to HQ in Crocus to double check your eligibility, but for now I'm going to assume you're all wonderful people and take your word for it," Mirajane continues in a humoured tone that does nothing to relieve the tension in the air.

"Now tell me, what do you four know about Mr. Dreyar?" Ms. Strauss asks. "I assume you all did your research," she continues, raising an amused eyebrow. Lucy can't help but think this is some kind of test. She exchanges a quick glance with the rest of her companions, each shifting uneasily in their seats. Erza seems to have disappeared into her hair again; even Natsu is looking a little bit less confident about 'having this'. Lucy waits for one of the other three to speak up, before looking nervously back at Ms. Strauss, who – Lucy notices with a jolt – is looking directly at her.

"Ms. Heartfilia? You seem like you might have something to say," Ms. Strauss says with an encouraging smile. Lucy bites her lip. She always was terrible at public speaking. You're a high school graduate with a theatre diploma and English honours, Lucy. Get it together.

"Mr. Dreyar is a so-called legendary business mogul worth approximately 64 billion dollars," Lucy begins slowly, glancing quickly at Ms. Strauss for confirmation. The woman gives her a small smile and Lucy continues, "He was an Ivy League student that originally wanted to be in law, but after a few years of schooling he had a change of heart. He dropped out to pursue a degree in business, and by the time he graduated he had sold two successful companies and had a net worth of 1.2 million dollars."

"Very good, Lucy," Ms. Strauss says, smiling. "Anyone else?" She looks over at Gray, who clears his throat reluctantly. "He never married but has taken in many apprentices over the years and treats them like they are his blood. He acts like a sponsor to ensure they become successful, and then takes a small percentage of their annual income once a year until he has been paid back."

"Not only that, but now that all of his so-called children have grown up and are able to stand on their own, rumour has it that he's looking for a new group of young people to mentor," Natsu jumps in enthusiastically, nudging Erza beside him, who rolls her eyes good-naturedly.

"Rumour has it, that's us," she finishes quietly in a voice that's tinged with equal parts exasperation and excitement.

"Rumour has it, indeed," Ms. Strauss responds vaguely, eyes roving over the group in what almost seems like approval. "Now, on to business," she says abruptly, disturbing the air of quiet anticipation that has settled over the four young adults. "Mr. Dreyar, while a brilliant man, can be quite… eccentric. Rather than handing the grant over to you at this moment, he has insisted that the four of you join him in Crocus in three days' time so that he can assess your eligibility in person. This means the four of you will have to acquire your own methods of transportation and lodging, should you choose not to travel there via aeroplane. Hotel rooms will be provided for you once you arrive, of course. He has written you into his schedule this Thursday at noon. Any questions?"

When Ms. Strauss finishes speaking, the only sounds in the room are the quiet ticking of an analog clock by the door and the muffled din of traffic outside.

---

The group is silent as they file out of the room en route to the elevators. They stand awkwardly as they wait for the car, each lost in thought. Erza is tugging on her hair again while Gray and Natsu furrow their brows in the same tense expression, which Lucy might've found amusing if she didn't also find herself so unbelievably screwed. No one says a word until the elevator doors open with a soft ding and close behind them with another muffled thump.

"So, we're pretty much screwed," Natsu echoes Lucy's thoughts, ever the spokesperson. "Flying expensive, and I don't know about you guys, but the reason I applied for this scholarship is that I couldn't afford to splurge on a plane ticket if I wanted to."

"Yup," Gray lets out stiffly, exchanging a loaded glance with Erza that Lucy can't quite decipher.

"However," Natsu continues, "I've driven down to Crocus a few times for soccer games in the past, and I'm sure my dad wouldn't mind us borrowing his van since there's a chance we'd be coming back with a total of four million freaking dollars." He sends a silly look in Lucy's direction, reflected in the polished gold of the elevator still counting down from 14, and she lets out a tense laugh. She takes a deep breath, feeling the tension of the group lift for a brief moment. "If you guys are okay with chipping in for gas money and splitting the cost of a few nights in a hotel, we could spend the next few days driving down to Crocus in time for the meeting," Natsu suggests, raising his eyebrows at the other three expectantly. There's a pause, and then Gray breathes a sigh of relief.

"I mean, that's actually a pretty good idea. I've got my license too, so I could take turns driving if you'd like," Gray offers.

"Same here," Lucy chimes in, and Erza nods in agreement.

"Does that mean you're in?" Natsu asks eagerly, turning to Lucy, who turns to Erza. The two exchange a look, raising hesitant eyebrows as if to reassure each other that going on a spontaneous road trip with two strange guys won't end with getting themselves killed. Girls need to stick together, after all. Then again, Lucy's been through worse and while Erza may look demure, she also seems like the type of person to kill someone in their sleep. Lucy sets her jaw determinedly and gives Erza a little wink. The other girl smiles nervously in response. The world spins a little as the elevator settles, and when the doors finally open with another soft ding, Lucy turns back to Natsu with a grin.

"We're in."

---

"This one's a little more out of the way, but it's a lot cheaper," Gray suggests an hour later. The group of four have made their way over to a café down the block in order to iron out their plans for the weekend. Lucky for them, Natsu had his laptop in his dad's car that's parked across the street, and they've all crowded around the small table in the corner of the shop, each trying to get a better look at the screen.

"Is it going to be safe, though?" Lucy asks concernedly from behind him. "Family-owned inns usually have lower budget security systems, if you know what I mean."

"Nah, it looks fine," Natsu reassures her, reaching over Erza's plate of strawberry shortcake to pull the laptop closer to him. "It's got a ton of reviews, and all of them say it's clean and relatively safe, see?" he says, pulling it up on the screen for her to check.

"We'll go with that one in Acalypha, then," Erza says resolutely, jotting down the phone number and address in the little notebook Lucy had stashed in her purse at the meeting.

"I can call them later tonight when I call the place in Hargeon to book the rooms," Gray suggests, taking a picture of the page with his phone.

"We did it!" Lucy cheers, flipping back to add it to the PowerPoint Natsu and Gray insisted they create in honour of their 'Road Trip'. Boys. "Looks like we've got it all sorted out then! Where and when do you guys want to meet tomorrow?" she asks, leaning back and nudging the laptop closer to Natsu, who's straining to get a better look over Gray's head.

"I can pick everyone up in the morning," Natsu offers, grinning at her in thanks, and her heart stutters at the easy way he leans across her lap to save the document and shut down his laptop.

"Around 10, then?" Erza suggests, chewing savagely as she stuffs the rest of cake in her mouth. Lucy is kind of surprised at how passionate Erza is about dessert. Never mind how gentle she usually is, she nearly tore off Gray's arm when he came close to knocking it off the table while scuffling with Natsu over the PowerPoint font.

The group confirms the time, each pulling out their phones to add each other on social media. The boys create a group chat with a reminder for their plan tomorrow, aptly naming it 'The Four Million Dollar Road Trip'. Erza and Gray live in the same direction, so they quickly gather their things and head to the train together, casting apprehensive glances at the overcast sky. Apparently, Gray is a last-minute packer and Erza admits to being that chick that brings four suitcases in the name of being 'prepared'. They need all the time they can get.

Natsu and Lucy, on the other hand, take their time packing up. Lucy is organized to a fault and Natsu doesn't seem to be too concerned about getting home right away, so they fill the café with their chatter until they forget that the sunshine surrounding them isn't coming in through the window. When it starts to get dark outside, the conversation turns to their homes and families. They are surprised to discover that they live in the same neighbourhood; his building is just down the block from hers. She learns his sister Wendy takes dance classes and sings off-key in the shower, and in turn she tells him all about her golden retriever, Plue, who used to follow her to school every day in the third grade.

By the time they are ready to leave, the rain has started and the lightning makes the sky look like it may have cracked open in the downpour. And if Natsu is pleased to hear that Lucy has forgotten her umbrella and may need to join him for the car ride home, well, he doesn't say a thing.

---

I based Makarov's backstory on Mark Zuckerberg lmao. He's a controversial person, for sure, but useful when it comes to needing rich entrepreneur character backgrounds.

Comments? Questions? Reactions? Drop me a review!

See y'all soon!

#fairy tail #nalu #gray fullbuster #erza scarlet #team natsu #fanfiction #IMaketheMonsters #natsu dragneel #lucy heartfilia

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orbemnews · 3 years

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To Solve 3 Cold Cases, This Small County Got a DNA Crash Course In October of 2016, the remains of three murder victims, dead for three decades, were laid to rest in Newton County, a rural corner of Indiana. Two were young men, likely teenagers, the victims of a serial killer in 1983. The third was a woman found dead in 1988 on the bank of a creek. She had been shot in the head, covered with car tires and lit on fire. Their bones, stored in tattered cardboard boxes and black trash bags, had been passed down from one county coroner to the next. When Scott McCord took the job in 2009, he gave the remains names: Adam, Brad and Charlene. He ordered anthropological and dental analyses, facial sketches and DNA tests in an effort to find their true identities. Nothing panned out. So Mr. McCord gave Newton County, a community of about 14,000, a chance to mourn their “kids,” as he called them. He paid for three small coffins, and a local florist donated flowers. Nineteen high school students volunteered to be pallbearers. After a ceremony at a county building, the teens piled into a yellow school bus and Mr. McCord, a part-time bus driver, followed three hearses, each donated from a different funeral home, to the cemetery. “I didn’t think we’d ever see resolution to any of the cases,” Mr. McCord said. As it turned out, he was wrong. In late 2019, Mr. McCord, his deputy and a county prosecutor decided to try a complicated forensic technique that had nabbed the infamous Golden State Killer a year earlier. The effort turned into a yearlong crash course in a niche area of science: using genetic markers to build multigenerational family trees. It would require a million-dollar DNA sequencing machine, a custom-built computer in Texas and the utmost patience of volunteer genealogy buffs. Mr. McCord and his team are among a growing number of investigators that have joined the scientific vanguard to revive cold cases. Hundreds of cases, of both victims and perpetrators, have likely been solved. Some have involved extracting DNA from decades-old bones, hair or minute traces of skin cells. Others have benefited from the most comprehensive and expensive type of DNA testing, known as whole-genome sequencing. In turn, a cottage industry has emerged to help. Critics worry that the widening use of this investigational method could lead to what is essentially a national DNA database for law enforcement, giving police access to highly personal information from a wide swath of the public without their explicit consent. The only significant limit is the cost — typically several thousand dollars per case — and that is dropping rapidly, as demand surges. “My county was more than happy to pay,” Mr. McCord said. Everyone and their grandmother Genetic genealogy debuted more than 20 years ago as a pastime for ancestry enthusiasts. The customer sent a saliva sample to a company like FamilyTreeDNA and could then log in to a website showing how closely their genetic markers matched with those of other people — long-lost relatives — in the company’s databases. Margaret Press, a software developer and mystery writer, had used the method for years to help adoptees find their biological parents. In 2017, while reading a novel based on an unsolved murder, she realized that her skills might be equally useful to law enforcement. “It just hit me,” she said. “The same technique that we were using for adoptee searches and finding unknown parents was adaptable to bones and unidentified remains.” She co-founded a nonprofit, called the DNA Doe Project, to try to match unidentified remains with genetic profiles that had been uploaded to an open-source genealogy database called GEDMatch. A set of unknown remains might match to a distant, known cousin, for example. An investigator could then build out a large family tree, first identifying the ancestors the two cousins have in common, such as great- or great-great-grandparents, and then investigating individual branches from those ancestors. Only some of those people would have lived in the right place and time as the unknown victim. More research, and the process of elimination, could ultimately reveal the Doe’s identity. On April 10, 2018, the DNA Doe Project announced that it had used this method to positively identify a 21-year-old woman, previously known only as the “Buckskin Girl,” who had been found strangled in Ohio in 1981; it was the first time the public learned about a cold case solved with genetic genealogy. Two weeks later, police officers in California arrested Joseph James DeAngelo, the so-called Golden State Killer who had murdered 13 people and raped dozens in the 1970s and 80s. The technique employed was again the same, except this time the genetic sample came from the unknown culprit — a trace of semen left at a crime scene — not from a victim’s remains. That case made headlines for weeks, and “the floodgates opened,” Dr. Press said. Investigators across the country were eager to try the technique on their own cold cases, and an industry sprang up to help. Parabon NanoLabs, a forensics company based in Reston, Va., was an early pioneer, and has since worked on more than 550 cases for law enforcement. The Golden State Killer and many other cases relied upon a DNA test called a microarray, which generates a subset of key markers from a person’s DNA code, like an abridged version of a book. But increasingly, investigators are turning to private companies for whole-genome sequencing, which reconstructs a person’s entire DNA code. This more sensitive test is often best for old and degraded DNA, such as from skeletal remains heavily contaminated with bacteria. HudsonAlpha Discovery, a lab in Alabama, has worked on about 1,100 forensic cases. Astrea Forensics, in California, began as part of an academic paleogenetics lab, and Othram, in Texas, has worked on hundreds of cases and raised more than $10 million in venture capital. “It really has exploded,” Dr. Press said. “Everyone and their grandmother is now setting up shop.” As a result, many cold cases have become quicker and cheaper to resolve. In the Golden State Killer case, six investigators worked full time for four months to narrow in on the culprit. Now cases are often solved in weeks or days. The DNA Doe Project, run by Dr. Press and dozens of volunteers, has taken on about 120 cases since 2017, and has fielded inquiries from another 200 or so. Many were from small sheriff’s or coroner’s offices with few resources, Dr. Press said. They are often just as skeptical of the technique, she said, as they are of the psychics who frequently call with tips on open cases: “For many of them it’s in the same category — do I call the psychic back or the genealogist back?” Testing Charlene Mr. McCord and his team in Newton County had not considered genetic genealogy until Rebecca Goddard, the county’s chief deputy prosecutor, heard about the DNA Doe Project on a podcast called “Crime Junkie.” “I understood very little,” Ms. Goddard said. “I just sort of understood the concept of using ancestry to create a family tree.” Mr. McCord reached out to the DNA Doe Project for help, and a collaboration began. Initially, his team divided up the three open cases. As a prosecutor, Ms. Goddard took the only one that was still an open homicide: Charlene Doe, whose charred remains were found by a fisherman in 1988. Mr. McCord took Adam Doe, and his deputy (and girlfriend), Heidi Cobleigh, took Brad Doe. A serial killer, Larry Eyler, had confessed to both boys’ murders years earlier but had not known their names. The plan was for all three investigators to take an online course in genetic genealogy, which would walk them through a mock case. But Mr. McCord and Ms. Cobleigh quickly realized that they were not cut out for the work. It involved hour upon hour of computer searches for obituaries, family trees and other public records in order to deduce the precise familial relationships of people with shared genetic markers. “We sat down and tried to do it and it was just overwhelming,” Mr. McCord said. “It made zero sense to me.” But Ms. Goddard immediately took to it, and dove into Charlene’s case. Back in 2010, Mr. McCord had commissioned a Texas lab to run a DNA test from one of Charlene’s teeth. That test resulted in just a couple dozen genetic markers — too sparse to be compatible with genealogy databases. Luckily the lab, which runs the National Missing and Unidentified Persons System, had kept the remaining DNA sample in storage. So now, a decade later, the DNA could be retested with the far more sophisticated whole-genome technology. There was just one problem: The sample contained only 0.3 nanograms, or 300 trillionths of a gram, of genetic material. “When we heard how much it was, we were definitely like, well, not sure if this will work but we’ll give it a shot,” said Kevin Lord, a bioinformatician and private investigator in Belton, Tex., and the lab liaison for the DNA Doe Project. Charlene’s sample, in a tiny plastic tube, was wrapped in foam and cold packs, and shipped overnight to HudsonAlpha’s lab in Huntsville, Ala. There, the DNA went into a NovaSeq 6000, a million-dollar machine resembling a photocopier. Human DNA is made of three billion “base pairs,” a unique set of molecular letters that creates a book of instructions for our cells. At HudsonAlpha, Charlene’s DNA was split into tiny fragments, then placed in the sequencing machine to decode the precise sequence of letters in each. The machine then created a file containing all of these tiny sequences and uploaded it to a server. Mr. Lord downloaded that file — 71 gigabytes of raw data — onto a custom-built computer and began piecing all of those fragments back together in the right order, producing Charlene’s full genetic code. From there, he focused on a subset of roughly 1.5 million key markers, known as SNPs, that make up the genetic “profiles” used by genealogy companies. He then sent Charlene’s profile to the two genealogy databases, GEDMatch and FamilyTreeDNA, that make themselves available to law enforcement for such cases. Then came the hard part. Database hunting Ms. Goddard was determined to hone her new sleuthing skills on Charlene’s case. Last May, she began training with L. Elias Chan, a volunteer at the DNA Doe Project who runs a genealogy research business in Seattle. Each database produced a list of people who were genetically related to Charlene, sorted by the percentage of their shared DNA. If a match shared 50 percent of her DNA, for example, it could be a parent, child or full sibling. At lower percentages, the familial possibilities grow; a three-percent match could be a second cousin, a first cousin twice removed, a half first cousin once removed or a befuddling array of other relationships. Ms. Goddard and Mx. Chan met via video chat, sometimes several times a week, to work through Charlene’s matches. Mx. Chan would assign Ms. Goddard an intriguing match, and then suggest ways to track it down. “If she got stuck, she’d send me a message, like, What do I do here?” Mx. Chan recalled. Success in such cases often depends on the size of the database: The larger it is, the more likely it will produce a match. The GEDMatch and FamilyTreeDNA databases are enormous, including millions of people who have voluntarily uploaded their own genetic information. (Ancestry.com and 23andMe also have huge databases but have opted not to make them accessible to law enforcement.) GEDMatch and FamilyTreeDNA have not always been transparent with users that the DNA profiles might be scrutinized by the police. In 2019, under public pressure, GEDMatch abruptly changed its access policy, requiring users to explicitly “opt in” to law enforcement searches. Overnight, investigators lost a raft of promising leads. That policy was in effect when Mr. Lord uploaded Charlene’s DNA profile to the site, in May of 2020. The only matches were to distant cousins, which Ms. Goddard and Mx. Chan dutifully worked through for more than seven months. (To protect the privacy of the victim’s family, investigators have not disclosed the precise familial relationships discovered during the search.) “We were all well in the throes of the Covid pandemic, and so I was spending a lot of time at home,” Ms. Goddard said. “And I remember feeling like I had spent countless hours, but wasn’t a whole lot closer, after all that time, than we had been after the first week or two.” She caught a break in January, when GEDMatch changed its terms of service again, allowing its entire database to be used for forensic searches related to unidentified remains. Mx. Chan called Ms. Goddard with some good news: Charlene now had multiple close matches at the top of her list. True names It didn’t take long to deduce Charlene’s real name: Jenifer Noreen Denton. In 1988, when Ms. Denton was 24, she suddenly went missing from her Illinois home, leaving behind her belongings and a 1-year-old daughter. In February, Ms. Goddard talked to Ms. Denton’s daughter, now grown, for the first time. “I just felt extremely emotional about it,” Ms. Goddard recalled. Over her months of research, she had often imagined what it must have been like for Charlene’s family. “There were people out there who surely loved her and were missing her and were probably desperate for answers.” (Ms. Denton’s family declined, through an intermediary, to be interviewed.) Ms. Denton’s daughter agreed to a DNA test for confirmation. It came back as a strong match with Charlene Doe. “That’s when I felt comfortable breathing again,” Mr. McCord said. He is now bullish about the technology’s potential to solve thousands of other cases, especially his own. In February, Brad Doe’s DNA was sequenced by HudsonAlpha, and on April 2, Mr. Lord uploaded it to GEDMatch. At the top of the list of matches were several close relatives. Three weeks later, and nearly 38 years after the boy’s murder, the team announced Brad’s real identity: John Ingram Brandenburg Jr., a 19-year-old from Chicago who went to a friend’s house one day and never returned. In 1983, after being tipped off by mushroom hunters, police found his remains with those of Adam Doe and two other boys near an abandoned barn off U.S. Route 41 in Newton County. All were victims of Mr. Eyler, also known as the Highway Killer, who murdered at least 21 young men and died in prison in 1994. Mr. McCord said that the teenager’s mother was distraught to learn how he had died. “She woke up every morning for the past 37 years wondering, ‘Is Johnny going to come home today?’” he said. “We hit her kind of hard.” (The family declined, through an intermediary, to be interviewed.) The Newton County team is now focused on solving their last case, of Adam Doe. His long-stored genetic sample was sequenced at HudsonAlpha and uploaded to GEDMatch, but was not robust enough to return any good matches. The team is planning to enlist a lab specializing in ancient organisms to extract a new sample of DNA from the bones. And although Charlene now has a real name, her 1988 murder case remains open. Her remains had been discovered with those of a man who was identified a year later by police. “There were some leads back in the day,” Mr. McCord said. “Now they can go back and hopefully confirm some of those leads, and we can get this resolved fairly quick.” The coroner, who organized Ms. Denton and Mr. Brandenburg’s first funerals, now plans to attend their final memorial services. Mr. Brandenburg’s will be held this month. “That was a specific request from his mother, that I be there, because she said I’ve known Johnny almost as long as she has,” Mr. McCord said. “When she said that, it literally brought me to tears.” Source link Orbem News #cases #cold #County #Crash #DNA #Small #solve

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decordwertge1976 · 3 years

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can a parent be added to my health insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :insurancefinder.xyz

can a parent be added to my health insurance

can a parent be added to my health insurance plan since I have high-risk for certain health conditions. My mom’s boyfriend’s health coverage is too low for the cost of my mom and family. Can you help me with that? I am looking for affordable health insurance for my brother living in a hospital stay. How much did it cost since he was discharged/released from hospital and he just recently registered to pay for his parents health insurance. What type of insurance should I get? This can be a great question if you need something affordable and cost effective. One of the things that a spouse on a parents or co pays for. There are more factors that go into determining how much you can contribute to your savings, but I recommend that people get at least enough health insurance to provide the family with their standard of living. The good news is that I recommend people who are on long-term medical care as well. Some of the things when thinking about which kind of insurance should you consider. can a parent be added to my health insurance in the future? If the parent cannot be added to my car insurance when my car is on the way out of state, I’d need to be added to their car insurance. Is the car too high of a risk for my insurer to issue me an admission ticket for driving without sufficient proof of insurance? It seems like a common occurrence, and a relatively common rule as well. In my experience, parents (ages 65 - 79) are not too concerned with their parent’s age, but are willing to take the opportunity to add a parent as the driver of their own car. I have a new car and am wondering if there is a way to add a family member to my car insurance? As for that’s a very common question, the answer is yes. The answer depends on the circumstances (i.e. parent’s age), the reason for adding the driver to my policy (i.e. coverage needs) and other factors. For example,. can a parent be added to my health insurance that my dad recently chose was sick and so they had me insurance company because i wanted to be able to keep my coverage and I think my dad decided to go for it because that it made good medical plan for me and he was in his mid 30s and that he has to pay his medical expenses for almost 15 months. My mom was very concerned about my mom being in my hospital for that illness because when my dad got hospital, there was no emergency care and it was hard going on in him. Since he had a heart transplant at the hospital, i was in charge of keeping bill straight as i was told that they wanted to save as much as possible so my daughter could be able to go back to school and to use the money to pay off her student loans. In our court system, health insurance is often tied to a medical debt and so we have to insure to stay in hospital a patient who has a large medical insurance policy. We can pay for the medical bills and the hospital bills.

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What is Actually an Employer’s Group Health Insurance? An employer’s group health insurance policy covers you for medical services related to your health, such as doctor visits, emergency surgery, radiation therapy and, sometimes, treatment for cancer, neurological problems or stroke. You may have the option of covering yourself or your employer’s group health insurance, but there are many advantages and disadvantages to choosing your group health insurance plan. These disadvantages include some companies won’t let you buy your group health insurance plan directly to them, so if you choose to shop a group plan directly you’ll need to apply for the group plan through your employer’s group health insurance, then that’s when you will receive benefits at the employer’s facility, rather than a group insurance benefit. If you are planning on shopping for individual coverage for yourself or your plan‘s dependents after a job loss, it’s important to understand the advantages and disadvantages of individual health insurance plans before you consider buying one. Although group.

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perfectirishgifts · 3 years

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Andrew Yang’s Humanity Forward Foundation, In Partnership With The $1K Project, Funds $3 Million In Pandemic Relief To 1,000 Families

New Post has been published on https://perfectirishgifts.com/andrew-yangs-humanity-forward-foundation-in-partnership-with-the-1k-project-funds-3-million-in-pandemic-relief-to-1000-families/

Andrew Yang’s Humanity Forward Foundation, In Partnership With The $1K Project, Funds $3 Million In Pandemic Relief To 1,000 Families

Nearing 20 million cases in the United States, the coronavirus pandemic has impacted families across the country causing layoffs and unemployment as businesses are rapidly closing. This past April, the $1k Project was launched by a team of 30 volunteers. Their mission is to connect families in financial crisis from the pandemic with families that are willing to sponsor them by providing $1k for three months. In August, the $1k project partnered with Andrew Yang’s non-profit organization, Humanity Forward Foundation, as the extended federal Unemployment Income benefits expired for the millions of Americans that were relying on it to keep food on their tables. The foundation pledged to match contributions to the $1k Project for up to $1 million. Fast forward to today, four months after the launch of the partnership, the effort has provided $3 million to 1,000 families across the United States struggling through the coronavirus pandemic and will continue to grow through the end of the pandemic.

As of December 2020, 1,000 families have been funded by the $1k Project and Humanity Forward … [] Foundation.

The $1K Project’s platform allows families and former employers to nominate families financially impacted by the pandemic. From there, nominated families submit an application and share how the funds would make a difference for their family in the near term. Once accepted, The $1k Project team matches applicants with a sponsor that commits to funding 3 monthly payments of $1,000. “Every sponsored family is able to put food on the table and keep the roof over their head,” said The $1K Project co-founder, Alex Iskold. Through the $1k Project, families in need are able to immediately get financial relief and sponsors are able to see a direct impact of their contribution to each family. “Sponsors love the aspect of direct giving, especially when they think about families facing the holidays without hope or resources,” said The $1K Project co-founder, Minda Brusse. “The connection we make between individuals is powerful in both directions.”

The $1k Project’s team welcomes all families in need to apply and they read each application. The majority of families that are matched with sponsors are either single mothers with multiple children, families where both parents have lost their jobs and have multiple children to support, or families with children where one of the parents is chronically ill or suffering from the coronavirus.

$3 million committed through the $1k Project and Humanity Forward Foundation.

Heading into the holiday season, the partnership plans to continue to grow and support families seeking relief. “I’m humbled that together we’ve been able to get $3 million to one thousand families through this pandemic,” Yang said on Tuesday. “Americans need help now. Millions have gone months without any sort of relief from the government and people are suffering for it. Going into the holiday season, the work of the Humanity Forward Foundation $1K Project is as vital as ever.”

Here is what a few families sponsored through The $1k Project have said:

“I can not thank you all enough for doing this. You have helped my family pay our rent right as our rental company sent an eviction notice for violation of lease. Thank you from the bottom of my heart, I will be forever grateful!.” — Lauren, FL

“Thank you all for what you are doing for us families in need. When I received the email we had a sponsor I dropped to my knees in tears. I will be forever grateful. You have given me so much hope and I’ve already been trying to find little ways to help others by volunteering support over the phone and on zoom calls. I can’t thank you enough for your generous donation.” — Erica, IL

“To my amazing sponsor, my family is eternally grateful for your kindness and generosity. When I was told I had the opportunity to be referred to this program I was happy yet skeptical. So much has gone wrong for us over the past few years I tend to not get my hopes up. When I got the message I was sponsored I was in complete shock, and disbelief! I broke out into tears as I was driving home from dropping masks off to a friend.” — Stephanie, NV

“We never imagined our entire industry would basically disintegrate in a matter of days on a national scale. Your generosity though, has truly helped keep us afloat. It has meant not having to miss our mortgage payment, and having the security of knowing we can pay for our youngest son’s rather expensive asthma medication. Those are no small concerns, and you have provided an incredible comfort in a terrifyingly uncertain time.I can only hope to be able to pay it forward one day and carry on the amazing example you have set.” — Colleen, GA

“I’m not sure who you are but I want to personally let you know that your act of giving this gift has sparked up hope, more faith, and just overall joy. This will help my family in so many ways such as being able to pay my light bill, car insurance, materials needed for my daughters art projects since were homeschooling , food and so much more that just before today I just needed to moment of stillness to take it all in, because of the waves of overwhelm.” — Simone, New York

If you think your family, or a family you know, could benefit from the $1k Project and the Humanity Forward Foundation this holiday season, please visit 1kproject.org to learn more.

Full coverage and live updates on the Coronavirus

From Venture Capital in Perfectirishgifts

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stephenmccull · 4 years

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‘Is This Worth My Life?’: Traveling Health Workers Decry COVID Care Conditions

This story also ran on The Guardian. It can be republished for free.

David Joel Perea called from Maine, Vermont, Minnesota and, ultimately, Nevada, always with the same request: “Mom, can you send tamales?” Dominga Perea would ship them overnight.

That’s how she knew where her 35-year-old son was.

The traveling nurse had “a tremendous work ethic,” routinely putting in 80 hours a week, said his brother, Daniel.

But when Perea took a job at Lakeside Health & Wellness Suites — a Reno nursing home that has received dozens of safety citations since 2017 from the Centers for Medicare & Medicaid Services — Dominga was “scared silly.”

During Perea’s stint, nearly one-fifth of Lakeside’s residents were infected with COVID-19, according to state health records. Lakeside’s “top priority is the safety of those who live and work in our facility,” a spokesperson said.

When her son didn’t respond to her text on April 6, Dominga knew something was wrong. Perea had COVID-19. He died days later.

As COVID-19 surges across the country, health care systems continue to suffer critical shortages, especially among non-physician staff such as nurses, X-ray technicians and respiratory therapists.

To replenish their ranks, facilities have relied on “travelers” like Perea. Staff agencies have deployed tens of thousands nationally since March outbreaks in the Northeast.

Now the virus is tearing through rural areas — particularly in the Great Plains and Rocky Mountain states — stressing the limited medical infrastructure.

Rural hospitals have relied largely on traveling nurses to fill staffing shortages that existed even before the pandemic, said Tim Blasl, president of the North Dakota Hospital Association. “They find staff for you, but it’s really expensive labor,” he said. “Our hospitals are willing to invest so the people of North Dakota get care.”

The arrangement presents risks for travelers and their patients. Personnel ping-ponging between overwhelmed cities and underserved towns could introduce infections. As contractors, travelers sometimes feel tensions their full-time colleagues do not. Frequently employed by staffing agencies based thousands of miles away, they can find themselves working in crisis without advocates or adequate safety equipment.

In 2020, the upsides of their jobs — freedom and flexibility — have been dwarfed by treacherous conditions. Now the ranks of travelers are thinning: The work is exhausting, bruising and dangerous. Thousands of front-line health workers have gotten the virus and hundreds have died, according to reporting by KHN and The Guardian.

On April 17, Lois Twum, a 23-year-old traveling nurse from New Orleans, was one of four passengers on a flight to New York’s John F. Kennedy Airport.

When the self-described “adventure-seeking adrenaline junkie” arrived for her first shift at Columbia University’s Irving Medical Center, she said, she was assigned four patients on a COVID-19 unit. (Intensive care nurses typically care for two or three patients.) As these “constantly crashing” patients required resuscitations and intubations, “there was practically no one to help,” Twum said, because “everyone’s patient was critical.” The hospital did not respond to requests for comment on the workplace conditions and treatment of travelers.

Meanwhile, as hospital employees got sick, quit or were furloughed amid budget cuts, travelers picked up the slack. They were redeployed, Twum said, assigned more patients as well as the sickest ones.

“It was like we were airdropped into Iraq,” Twum said. “Travelers, we got the worst of it.”

On social media and in email groups, recruiters for travelers circulate photos of sun-splashed skylines or coastlines emblazoned with dollar signs, boasting salaries two or three times those of staff nurses. They promise signing bonuses, relocation bonuses and referral bonuses. They make small talk, ask about travelers’ families and suggest restaurants in new cities.

But when it comes to navigating workplace issues, “these people can just disappear on you,” said Anna Skinner, a respiratory therapist who has traveled for over a decade. “They are not your friends.”

Caught between the hospitals where they report for duty and remote staffing agencies, their worker protections are blurred.

For instance, under the Occupational Safety and Health Act, providing protective equipment is the agency’s responsibility — but the travelers who spoke with KHN said agencies rarely distribute any.

Perea’s family said they believe David did not have adequate PPE. His employer said it was the nursing home’s responsibility to provide it. “It is up to each of our clients to provide PPE to our staff while they are working assignments through MAS,” said Sara Moore, a spokesperson for Perea’s agency, MAS Medical Staffing.

Sometimes travelers are assigned to emergency rooms or intensive care units with which they have little experience. Skinner, a pediatric specialist, said she landed in adult ICUs when deployed to the University of Miami Health System in April. She received an hour of orientation, she said, but “nothing could have prepared me for what I had to deal with.”

Over five weeks, she said, she intubated one patient after another; suctioned the blood pouring into patients’ lungs and out of their noses and mouths; and dealt with families who were aghast, angry and afraid. Under the stress, Skinner said, she couldn’t sleep and lost weight. The hospital did not respond to requests for comment on workplace conditions for travelers.

Travelers often face “incredibly onerous” hurdles to the overtime, sick leave or workers’ compensation they are entitled to under the Fair Labor Standards Act, said Nathan Piller, a lawyer at Schneider Wallace Cottrell Konecky, an employment and business litigation firm.

Even the number of hours they can count on working is out of their control, Skinner said. Contracts reviewed by KHN authorize travelers to work a set number of hours, but only a fraction of those hours are guaranteed, and must be approved by on-site managers. The guaranteed hours may be compensated at rates hovering around minimum wage, and may require working holidays, which are not uniformly recognized.

The terms can be “modified from time to time during employment,” according to the contracts.

In 2018, AMN Healthcare, one of the country’s largest travel nursing agencies, agreed to a $20 million settlement for wage violations involving nearly 9,000 travelers. Violations “appear fairly commonplace across the industry,” said Piller, who worked on the settlement.

Travelers, Skinner said, are left to advocate for themselves to managers they might have just met — and “complaining just isn’t an option.”

KHN reviewed travel nursing contracts issued by Aya Healthcare, a large staffing agency, and found that any disputes — wrongful termination claims; claims of discrimination, harassment or retaliation; wage claims; and claims for violation of federal, state or other laws or regulations — must be settled out of court, in arbitration.

Officials at the Service Employees International Union, the American Nurses Association and National Nurses United said their constituents have been suspended or fired from traveling worker agencies for speaking to the news media, posting on social media or otherwise voicing concerns about unfair practices.

Matthew Wall, a longtime traveling nurse, knows this all too well. In July, two days into his assignment at Piedmont Henry Hospital in Stockbridge, Georgia, Wall said, he reported to hospital administrators “undeniably unsafe” conditions for himself and patients, including inadequate PPE, long hours and high patient-to-staff ratios.

Instead of addressing his concerns, Wall said, the hospital — which is under investigation by the federal government for workplace safety issues after another traveling nurse died of COVID-19 in mid-March — canceled his contract. “Travelers are treated like dog chow,” Wall said. “The second you become a liability, they dispose of you.”

“We continue to closely follow Centers for Disease Control and Prevention guidelines paired with our best practices in patient care and safety for all,” said John Manasso, a hospital spokesperson, who declined to comment on Wall’s case.

Some see an impossible choice. “We all know, if not for us, these patients would have no one,” Twum said, “but watching each other get sick left and right, it makes you wonder, is this worth my life?”

Skinner, for her part, took a job as a staff nurse in Aspen, Colorado. After his current contract in New Orleans ends, Wall is planning a break from nursing.

It was like we were airdropped into Iraq.

Lois Twum

Dominga Perea finally received a text back the night of April 6: “Don’t panic, Mama, I have the COVID.

“Pray for me.”

She saw David over FaceTime on Easter. “He struggled even eating mashed potatoes” she said, “because he couldn’t breathe.” The next morning he went on a ventilator and never woke up.

Months later, Lakeside hadn’t filled Perea’s position. “Ideal candidate must be a caring individual dedicated to providing high quality care,” the job listing read, and “able to react to emergency situations appropriately when required.”

KHN Mountain States editor Matt Volz contributed to this report.

Kaiser Health News (KHN) is a national health policy news service. It is an editorially independent program of the Henry J. Kaiser Family Foundation which is not affiliated with Kaiser Permanente.

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This story can be republished for free (details).

‘Is This Worth My Life?’: Traveling Health Workers Decry COVID Care Conditions published first on https://smartdrinkingweb.weebly.com/

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gordonwilliamsweb · 4 years

Text

‘Is This Worth My Life?’: Traveling Health Workers Decry COVID Care Conditions

This story also ran on The Guardian. It can be republished for free.

David Joel Perea called from Maine, Vermont, Minnesota and, ultimately, Nevada, always with the same request: “Mom, can you send tamales?” Dominga Perea would ship them overnight.

That’s how she knew where her 35-year-old son was.

The traveling nurse had “a tremendous work ethic,” routinely putting in 80 hours a week, said his brother, Daniel.

When her son didn’t respond to her text on April 6, Dominga knew something was wrong. Perea had COVID-19. He died days later.

As COVID-19 surges across the country, health care systems continue to suffer critical shortages, especially among non-physician staff such as nurses, X-ray technicians and respiratory therapists.

To replenish their ranks, facilities have relied on “travelers” like Perea. Staff agencies have deployed tens of thousands nationally since March outbreaks in the Northeast.

Now the virus is tearing through rural areas — particularly in the Great Plains and Rocky Mountain states — stressing the limited medical infrastructure.

On April 17, Lois Twum, a 23-year-old traveling nurse from New Orleans, was one of four passengers on a flight to New York’s John F. Kennedy Airport.

“It was like we were airdropped into Iraq,” Twum said. “Travelers, we got the worst of it.”

Caught between the hospitals where they report for duty and remote staffing agencies, their worker protections are blurred.

The terms can be “modified from time to time during employment,” according to the contracts.

Travelers, Skinner said, are left to advocate for themselves to managers they might have just met — and “complaining just isn’t an option.”

Skinner, for her part, took a job as a staff nurse in Aspen, Colorado. After his current contract in New Orleans ends, Wall is planning a break from nursing.

It was like we were airdropped into Iraq.

Lois Twum

Dominga Perea finally received a text back the night of April 6: “Don’t panic, Mama, I have the COVID.

“Pray for me.”

She saw David over FaceTime on Easter. “He struggled even eating mashed potatoes” she said, “because he couldn’t breathe.” The next morning he went on a ventilator and never woke up.

KHN Mountain States editor Matt Volz contributed to this report.

Kaiser Health News (KHN) is a national health policy news service. It is an editorially independent program of the Henry J. Kaiser Family Foundation which is not affiliated with Kaiser Permanente.

USE OUR CONTENT

This story can be republished for free (details).

‘Is This Worth My Life?’: Traveling Health Workers Decry COVID Care Conditions published first on https://nootropicspowdersupplier.tumblr.com/

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dinafbrownil · 4 years

Text

‘Is This Worth My Life?’: Traveling Health Workers Decry COVID Care Conditions

This story also ran on The Guardian. It can be republished for free.

David Joel Perea called from Maine, Vermont, Minnesota and, ultimately, Nevada, always with the same request: “Mom, can you send tamales?” Dominga Perea would ship them overnight.

That’s how she knew where her 35-year-old son was.

The traveling nurse had “a tremendous work ethic,” routinely putting in 80 hours a week, said his brother, Daniel.

When her son didn’t respond to her text on April 6, Dominga knew something was wrong. Perea had COVID-19. He died days later.

As COVID-19 surges across the country, health care systems continue to suffer critical shortages, especially among non-physician staff such as nurses, X-ray technicians and respiratory therapists.

To replenish their ranks, facilities have relied on “travelers” like Perea. Staff agencies have deployed tens of thousands nationally since March outbreaks in the Northeast.

Now the virus is tearing through rural areas — particularly in the Great Plains and Rocky Mountain states — stressing the limited medical infrastructure.

On April 17, Lois Twum, a 23-year-old traveling nurse from New Orleans, was one of four passengers on a flight to New York’s John F. Kennedy Airport.

“It was like we were airdropped into Iraq,” Twum said. “Travelers, we got the worst of it.”

Caught between the hospitals where they report for duty and remote staffing agencies, their worker protections are blurred.

The terms can be “modified from time to time during employment,” according to the contracts.

Travelers, Skinner said, are left to advocate for themselves to managers they might have just met — and “complaining just isn’t an option.”

Skinner, for her part, took a job as a staff nurse in Aspen, Colorado. After his current contract in New Orleans ends, Wall is planning a break from nursing.

It was like we were airdropped into Iraq.

Lois Twum

Dominga Perea finally received a text back the night of April 6: “Don’t panic, Mama, I have the COVID.

“Pray for me.”

She saw David over FaceTime on Easter. “He struggled even eating mashed potatoes” she said, “because he couldn’t breathe.” The next morning he went on a ventilator and never woke up.

KHN Mountain States editor Matt Volz contributed to this report.

Kaiser Health News (KHN) is a national health policy news service. It is an editorially independent program of the Henry J. Kaiser Family Foundation which is not affiliated with Kaiser Permanente.

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from Updates By Dina https://khn.org/news/article/is-this-worth-my-life-traveling-health-workers-decry-covid-care-conditions/

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united-we-stand-politics · 5 years

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The Partisan Crisis

There are two major political parties in American Politics: Republican and Democrat. There are other, or third, parties in American Politics as well, however, these candidates seldom win elections.

I am Unaffiliated, better known as an "Independent". I don't believe in Partisan Politics as I believe it creates friction between people in the two major political parties. I have some ideas that may some day make the political process better here in the United States and re-unite us citizens. Even with our major differences we ALL have more in common than we realize. If we had a completely Independent political process, this country would be a better place for everyone. When a Democrat is elected, half of the country's needs aren't met. When a Republican is elected, the other half of the country's needs aren't met. This pattern continues like a never-ending, vicious cycle. At what point do we stand up as citizens and say enough is enough! At what point do we create a United Front and put a stop to this?

Let us first look at one major crisis here in The United States: Partisanship. Partisanship is dividing America. There are only two major political factions in our Nation, who's opinions and views drastically differ. These differences are so vast that they can't even come to an agreement at the dinner table. People are losing friendships. Even families are being torn apart because the Partisan Crisis has gotten so bad in recent years. This is completely unnecessary and it's been going on for three centuries! Luckily, there is a much better way to do things. Unfortunately, it won't be easy trying to incorporate these simple changes into our current political system.

With the election of President Donald Trump, these opposing factions have become much more distant. The farther the distance, the more dangerous the Partisan Crisis becomes. Partisanship is literally KILLING America and it will cause more serious damage and issues for our future if we don't do something about it right now. In my opinion, we are on the brink of a possible Civil War. This is a TERRIFYING prospect.

Life shouldn't be about black & white anymore. We have come way too far for all of that! It is 2019. We ALL should be able to get along by now and for the most part we have, but the age of the Trump Presidency has brought with it a DISGUSTING and alarming amount of racism, systemic racism, and hatred and both factions are participating. This is NOT good. The Trump Presidency is not entirely to blame, either. First of all, he didn't elect himself!! The Donald, (who I wonder may be the Nostradamus and Bible predicted "Third Anti-Christ" simply called "the trumpet"), has scared many people regardless of color, race, creed, religion or sexual orientation. Many are intimidated by his greedy, racist, sexist, philandering, lying and disrespectful nature and what it is doing and could do to our country and it's image. For a small percentage, it has given them the courage to come out of their racist closet. He spouts racism at his rallies in a way I have never witnessed in my life, other than seeing racist rallies from history in school or on TV. We are backsliding as a country. Make America Great Again? America IS great!

The GOP definitely has to do something. They either need to disconnect themselves from the Trumpets and say, we are Republican, but we do not believe in the Trump White Nationalist agenda OR rebuild itself an entirely new party. They no longer hold the "moral high ground". We have people voting Republican against their own benefit because they don't exactly understand what a Republican government means. (Money for the rich pretty much narrows it down.) They only understand that Trump has promised to, "get rid of illegal immigrants" and "put a stop to the refugee crisis coming to America". They literally voted against their OWN individual benefit on behalf of racism. (Not ALL of them, but 89% of them, based on the most recent Republican approval rating of Trump.) Many of them are on welfare, uneducated and the ones that work have lower than average paying jobs. With 89% of Republicans approving of his racist, White Nationalist agenda, the rest of us are looking at that. This is what Trump has done to the GOP. People who are good people, the other 11% of Republicans, are lumped into this category as well due to their remarkably high approval rating. Trump isn't to blame for being a jackass. They KNEW who they were voting for and they KNOW what they're supporting regardless of the plethora of evidence before them. Best thing that could happen for the GOP would be to vote him out in the 2020 Presidential Primary. It's not unheard of, it has happened before. Trump has lost between 8-10% of his base. His current Independent approval rating is down to 38% and his current Democratic approval rating is down to just 9%. (These numbers are as of May 20, 2018, just a few days before posting this.)

It's a year and a half later and the only thing Trump has "accomplished" was undo many things Obama did, piss off Kim Jong Un and fall for a summit meeting that everyone BUT him & his politically uneducated base KNEW was not going to happen, write a "break-up letter" to Kim Jong Un "cancelling" a meeting Kim had pretty much already cancelled because he finally figured out what everyone else knew. (That there would be no meeting and didn't want Kim to cancel it first. He's like a child). He has also managed to play more golf in his first year than Obama did in his entire Presidency, even after criticizing the man for playing golf. Let's also not forget the fact that he's spent much more money. He has snowed the American people into believing that he works for no salary. Check out his website!!! He's got all kinds of things for sale! "President Trump" memorabilia. One Christmas tree ornament for FORTY DOLLARS.... MADE IN CHINA. Why would anyone think he would bring jobs back to the States when his own workers are overseas? He has outsourced THOUSANDS of American jobs to Mexico and China. (Just ask the coal miners he lied to in order to secure their vote. They won't be voting for him again.) His designer imposter daughter's clothes are also made in China. The "Ivanka Trump" brand that sells cheap knock offs of very expensive French & Italian designers are made in sweat shops. She's had a series of lawsuits from said designers. There's no telling how many times The Trumpet, himself, has been sued. I know it's been several times. He's declared bankruptcy on several properties in Atlantic City and other areas so that he wouldn't have to pay back his investors. (One of them had ties to the Hard Rock Cafe who also sued him.) He's a crook who rips people off! We have a CROOK in the White House!!! This whole country is going down the toilet.....FAST! It doesn't get any worse than this. This is the worst Presidential behavior in American History. It's like a horror movie!

So, what do we do about this horror story called Partisanship?! Well, I have an idea! END Partisanship! Unite ALL Americans. The average politician doesn't care about what the average American NEEDS. So what exactly ARE the NEEDS of the average American?! According to those I have interviewed, we ALL have many similar needs, irregardless of political identity. Everyone I have interviewed is concerned about healthcare in some way, education, homelessness, veterans' needs, smaller government, unneeded child services being put in place regardless of there being any exigent circumstances, children needing services not getting any due to the backlog of unwarranted cases based on "revenge calls". Then we have local, state & federal income taxes, the cost of living in certain states, the heroin & crack epidemic, and overcrowded jails and prisons. The United States is a "free country", yet we have more people in jail than any other country on the planet and we're the only democratic country without free healthcare. Racial profiling was mentioned in my interviews and that's a huge problem in this country today. Police brutality is a concern for all races I have interviewed. Addiction and alcoholism, disability, social security, the rights of felons after a longer period of good behavior, felons not being able to get a job, illegal immigration, and concerns for the DACA citizens because children can't help that they were forced to cross the border by irresponsible parents. Everything down to ridiculous fees on hotel prices in NJ beyond the 12% sales tax is a concern for some. We have homeless citizens all over the place. No one should be homeless here. Some feel that business grants are being distributed unfairly. We need to feel that ALL of our needs are being met no matter WHO is in office and no matter our identity. We have so many similar basic needs that it's an embarrassment of riches! We don't need parties... we need TRUE freedom!

How do we ensure these needs get met? We either create a NO party system OR open up more factions. So, instead of having two major factions like we have now, we have more like eight because many Americans aren't having these needs met by either Political Party and identify in different areas of the scale. When I take a political identity quiz I come up Market Skeptic Republican even though I'm an Independent. This is all a result of having two political parties even though MOST Americans ALL have the same basic needs.

The other change would be to stop political campaign Super PACs. There should be a cap on how much money a person, business, corporation, etc., should be allowed to donate or gift to any politicians regardless of whether or not it is during a political campaign. It's safe to say that VP Pence, as an example, is pretty much owned by the Koch Bros. who have donated in excess of one million dollars to his political campaigns and interests. Politicians should no longer be capable of being bought. This would ensure that the extremely small upper .1% of the population won't be controlling the other 99.9% of us via paying off politicians.

I believe it best if we also got rid of ALL parties. No one has to feel like they need to be "loyal to their party" anymore. With an Independent, literally FREE, "No Party System", (not to be confused with a one party system), all candidates can bring their own ideas to the table without any outside influence. Everything would still work exactly the same. The only difference would be that every candidate is an Independent along with every voter and billionaires can't buy them off with their big bags of money. Without a "base", politicians can start listening to everyone's needs as opposed to one TYPE of person.

So, regarding those American needs I mentioned earlier? What would this new generation of politicians do for these needs of ours? They would get a general sense of everyone's needs and combine them to create something where everyone is happy. A political compromise, if you will. Will there be some sacrifices down the line? Of course their would, but political compromises will ensure that everyone gets their basic needs met and that one "side" isn't being ignored. There would be more than two candidates in every election for all levels from assemblyperson all the way up to the Presidential election. We would have all kinds of candidates running in one general election.

We will never agree with each other on every issue, but we can sure do a much better job of making compromises. With a couple new changes to the political process we can make a better future for ourselves and our children, our grandchildren and many generations to come. Let's work TOGETHER! We can start small by voting for Independent candidates and becoming Unaffiliated or Independent on our voter registration cards. After a period of time, others will follow suit and will do the same. The change starts with me writing this article. It starts with you sharing it with your friends. It starts with one person doing the right thing and passing the message along to the next person. Before we know it, we will have created that positive change that we so desperately need. Thank you for taking the time to read this article regarding this very important issue and may the best candidates win!!! 💘💘💘

*This article is a product of my personal long term investigative journalism, several interviews, reading & research. I'm just starting out as an investigative journalist and I hope you all enjoy my writings, even if you don't always agree with it.

**Sources:

Gallup Polls; The Pew Research Center; CNN, FOX, MSNBC, CBS, ABC; The New York Times, Wall Street Journal, Philadelphia Inquirer; Public Interviews of Anonymous Citizens; https://www.snopes.com; Axios; http://www.shop.donaldjtrump.com

**Addendum

I wrote this article over a year ago. Concerning my statement regarding the GOP doing something to help us is currently out of the question considering what's been going on with the Impeachment Inquiry.

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itsfinancethings · 4 years

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In the mid-1960s, Greta Arceneaux was a young mother of two in the midst of a divorce with a low-paying secretarial job and an old house in Los Angeles. Dreaming of a better life for her family, she took out a loan, tore down the aging home and used the land to build a five-unit rental complex that, she hoped, would serve both as a home for her and her children and a ticket to the middle-class.

“I was a clerk with very little means, but a whole lot of guts,” recalls Arceneaux, now 81. Her plan worked. Over the years, income from that modest rental complex enabled Arceneaux to help put her children and grandchildren through college, purchase a separate home for herself, and save for her retirement.

Then the coronavirus pandemic upended it all. When COVID-19 reached U.S. soil, killing tens of thousands of Americans and squeezing the economy, the federal government, states and municipalities issued a raft of rent protections, including months-long eviction moratoriums. While such policies were issued in good faith—they were designed to protect renters who have lost their incomes from losing the roofs over their heads, too—they have leveled a crushing blow to small, independent landlords, like Arceneaux, who rely on a handful of rental units for their livelihoods.

Though the protections are dictated by local officials and vary by area, many are long-term: In the city of Los Angeles, where Arceneaux’s property is, tenants who have been impacted by the virus will have up to 12 months from the end of the city’s emergency declaration to repay their back-rent without late fees. In New York state, eviction protections last until the end of August, and in Pennsylvania, renters are shielded from evictions until mid-July.

For Arceneaux the city’s order has resulted in $15,000 in unpaid rent and $0 in government assistance to help her pay for maintenance expenses and other bills, including her personal mortgage. New California building codes also require her to pay at least $60,000, she says, for earthquake prevention reinforcement in one of her units by the end of the year. “My retirement is going down the tubes because of this,” she says.

The complexity of the broader economic crisis and its impact on renters is not lost on Arceneaux. “I feel sorry for him,” she says, describing one of her tenants who lost his job and stopped paying rent. “He’s caught in a situation just like I am. But why are they throwing me under the bus? Why am I responsible for him?”

Problems with eviction moratorium policies are twofold. First, not all landlords are alike. Large, wealthy real estate firms and development conglomerates don’t control the entire market: In fact, just over half of the U.S. rental supply, about 25.8 million units, are owned by business entities, according to the 2015 American Housing Survey. The other 22.7 million rental units are owned by individuals, who are more likely to own single units, homes and duplexes, and are often called “mom-and-pop” landlords.

The second issue is that while wealthy hedge fund investors and real estate firms, who are represented by powerful Washington lobbyists, will benefit from over $100 billion in tax breaks buried in the $2 trillion CARES Act, mom-and-pop landlords, for the most part get nothing. (The CARES Act tax provisions remove caps on individuals’ and businesses’ ability to write off significant net operating losses, so the benefits go almost entirely to millionaires and billionaires who tend to have the largest balance sheets.)

“I don’t understand how they can come up with all of this financial aid for the homeless, for renters, for agriculture, for big business, for airplanes,” says Arceneaux, who is a black member of the Coalition of Small Rental Property Owners, a California-based advocacy group that mostly represents black and Latinx landlords. “And they’re forgetting about the small mom-and-pop people that have two units or four units and serve such a great need in the community.”

Terri Lacy, a 55-year-old former interior designer with an autoimmune deficiency, says she also feels abandoned. Local and federal government programs seem to be offering bailouts to every other group, while imposing rules that increase the burden on people like her.

When Lacy’s children moved out of the inexpensive condos she purchased to help them start their adult lives in California and Nevada, she converted them into rental units. One tenant paid three-fifths of his rent in April, nothing in May, then moved out mid-month. Lacy says the tenant broke his lease four months early, and left her with unpaid utility bills and holes in the wall. Now she has to rehabilitate the apartment and re-list it while taking care not to contract the very virus that created her rental woes. “Who wants to rent a unit in the middle of the pandemic?” she asks, rhetorically. “Nobody.”

Lacy says another of her tenants has paid partial rent since she was laid off from her Las Vegas waitressing job, but not enough to cover Lacy’s property taxes or homeowners association dues. Without full rent checks coming in, Lacy’s personal savings account has taken a hit. Even if she wanted to evict and re-list, she wouldn’t be able to until after June 30, when Nevada’s eviction moratorium expires.

“Here I am expected to absorb everybody else’s heartaches,” she says, “and nobody’s there to resolve my heartache.”

The mom-and-pop landlords who are able to draw on their own savings to make it through the eviction moratoriums imposed by their local governments may struggle to recoup their losses when it’s all over. It’s unlikely that renters who have struggled to pay rent over the last few months will have lump-sums of cash available when their rent is due, and the job market may continue to be sluggish for months or years. Eviction courts may also be backed up in major metropolitan areas once they finally re-open. And even court rulings that come down in landlords’ favor aren’t absolute: Evicted tenants sometimes get away with not paying their debts by changing bank accounts, ignoring collections agencies, working cash-only jobs, filing for bankruptcy, or fleeing the state.

Those who aren’t able to make ends meet without collecting rent checks are likely to sell, says Jenny Schuetz of the Brookings Metropolitan Policy Program. And that’s bad news for low-income renters. Individual property owners are likely to sell to families who will convert their rentals to personal housing, or to large investment groups—which, in turn, are much more likely to renovate, rebuild, and increase the rent. “I think we are going to see some smaller landlords who have to sell their buildings because they just can’t cover the costs,” Schuetz says. “We know from the Great Recession that the people who can afford to buy real estate in a down market are large-scale investors [who] aren’t necessarily likely to keep rents low in existing buildings.”

The large-scale real estate firms that are left tend to build luxury mega-compounds with amenities such as floor-to-ceiling windows, marble countertops and state-of-the-art fitness studios that cater mostly to upper-middle class and wealthy people: Of the 371,000 new rental units expected to hit the market this year, as much as 80% the supply be part of luxury developments, according to real-estate analytics firm RealPage.

But those luxury offerings were out of reach for millions of Americans even before the virus hit. In 2016, nearly half of all renter households were spending at least 30% of their incomes on rent, according to Harvard’s Joint Center for Housing Studies. Now, with more than 20 million people still out of work, the proportion of people struggling to pay each month is almost certainly higher—especially among lower-income earners, who have disproportionately been affected by recent layoffs. While only 13% of people in households who made over $100,000 experienced employment disruption in March, 39% of working individuals in households with annual incomes less than $40,000 were laid off or furloughed, according to the Federal Reserve.

As tens of thousands of protesters flood the streets demanding an end to police brutality and systemic racism in the wake of George Floyd’s killing by a Minneapolis police officer in late May, it’s important to note that punting the rent burden to small landlords during this recession could also have a disproportionate effect on people of color if individual landlords abandon their real estate investments in droves. Due in part to discriminatory federal housing policies legal through the 1960s that blocked many people of color from home ownership—and therefore from amassing wealth that could be passed down to the next generation—black and Hispanic households are about twice as likely as white households to rent rather than own their homes, according to Pew Research Center.

A swift and systematic loss of affordable rental units available on the market would especially hurt those with low incomes. Eviction moratoriums aren’t “going to affect people in middle class housing, particularly. They’re paying the rent, their rental units will still be there,” explains Michael Tanner, a senior fellow at the libertarian Cato Institute. “This is for people at the bottom end of the ladder who are going to find it harder to get affordable and habitable housing. They’re going to end up with expensive, lousy housing.”

Harvard Joint Center for Housing Studies research associate Whitney Airgood-Obrycki argues the best solution to the nuanced problem would be the distribution of government-funded direct rental assistance payments that benefit impacted families. “That’s going to protect renter households, and that’s also going to protect small landlords from economic hardship,” she says.

The Democrat-led House of Representatives has already passed a version of this suggestion in its omnibus HEROES Act, which calls for $100 billion in rental assistance to families with incomes below average earnings in their areas. But the measure is moribund in the Republican-led Senate. A version sponsored by Democratic Senator Sherrod Brown has just 37 co-sponsors, none of whom are Republicans.

In the absence of a Congressional compromise, Arceneaux is weighing her options. She’d love to continue to offer affordable rental units to her community, but she has her own bills to pay. In the meantime, real estate firms have already attempted to take advantage of her predicament. Almost daily, she finds notices in her mailbox from prospective buyers expressing interest in the property she’s owned and maintained for over 50 years.

“It’s almost like the vultures are standing around waiting for something to happen,” she says, “so they can pounce.”

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artofpeacelove · 4 years

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https://ift.tt/eA8V8J

I knew raising kids was going to be expensive. The bottles, the crib, the diapers, the clothes, the care… those are known expenses that are going to add up. But when you add the caveats of “single household earner” and “woman with fertility issues,” suddenly your costs expand exponentially. The transvaginal ultrasounds, the hormone injections, the (seemingly endless) doctor’s visits, the egg retrievals, the embryo transfers, the purchases and shipments of donor sperm… well, that’s just more and more dollar signs.

For me, the whole process to become pregnant cost $36,839. I wish I could tell you that thanks to the magic of insurance most of these expenses were covered. They were not.

When you live in Indiana, one of the 33 states in the country that does not have fertility insurance coverage laws, everything tied to assisted reproduction is up to you to fund, somehow. Fertility assistance is seen as an elective procedure. By the laws of my state, my inability to conceive naturally was as medically concerning as calf implants. (If your state does mandate employers to have some sort of fertility coverage, the coverage often has limitations based on number of cycle and procedures, depending on the state.)

I wish I could tell you I am the Scrooge McDuck of my generation with oceans and oceans of gold coins stockpiled in the vault located within my palatial estate. I am not.

At the time, I was a 38-year-old single woman, who lived in a moderate three-bedroom home on a busy street, with a career in the not-for-profit sector. I had a small savings account and a mediocre 401K. I did not have $36,839.

Not many people do. According to a report published by the American Society of Reproductive Medicine, it is estimated that only 24 percent of infertile couples and individuals in the United States can access all of the care they would need to become pregnant. That means 74 percent of infertile couples and individuals are left with lackluster options—and in my case, sad options and a hefty bill.

My Indiana-based fertility clinic delivered the news of my new treatment plan which was now IVF. The detailed plan filled a huge stack of papers, included a quote for over $26,000 for one round of treatment, and a $210 bill for my recent 20-minute consultation. (The average expense for one round of IVF is $12,000, but that does not include necessary medications and other expenditures, which can add on thousands, even tens of thousands, of dollars.)

The detailed plan filled a huge stack of papers, included a quote for over $26,000 for one round of treatment, and a $210 bill for my recent 20-minute consultation.

I was crushed. I took my binder of papers and my bill and went home to cry and consider. I was lost to why something that so many people medically need was so unfordable. According to Betsy Campbell, chief engagement officer for RESOLVE: The National Infertility Association, it’s a bigger conversation than just sticker shock. “I think the only reason we are talking about affordability is because most people lack insurance coverage and are forced to pay out of pocket for medical treatment that should be covered by insurance,” says Campbell. “No one talks about the cost of hip replacement, hysterectomy, or other medically-necessary treatments because they are covered by insurance.”

As I cried and thought about my options, I also hunkered down and binged TV. During my binge I came across a local evening newscast, featuring a story about another woman from Indianapolis who was just like me. She was single, she was in her late thirties, she wanted a family, and she wasn’t wealthy. She was a patient at a clinic in Syracuse, NY called CNY Fertility. At CNY they offer IVF for $3,900 per round. The motto at CNY: “Making priceless affordable.”

Just like that I had stumbled upon my answer.

I connected with the woman in the newscast and picked her brain for information on CNY. I googled and found another CNY Indiana-based patient and got her input as well. Both of my sources were a wealth of knowledge, and now, the mothers of twins. With my newfound information and these glowing references, I too became a patient of CNY Fertility.

While a $3,900 price tag is an extremely better deal than the $26,000 invoice I was considering, I still didn’t have that kind of money laying around under the couch cushions. My paltry savings wasn’t really going to cut it.

Will Kiltz, communications director of CNY Fertility, and his team work to help those as they struggle between fiscal responsibility and their dream. “The average cost of IVF in the United States is over $20,000 and that’s just for one cycle,” says Kiltz. (Many need up to three cycles to conceive, if not more.) “There’s a major discontinuity between what people can afford and what they’re asked to pay.”

Campbell agrees: “We know of patients who go into credit card debt or bankruptcy. Patients have taken out home equity loans or been forced to sell their homes, raided their 401Ks and other savings, [and we’ve had patients whose] parents have delayed their retirement or sacrificed their retirement accounts to help their children. Some patients have also taken second jobs at Starbucks just to qualify for family-building benefits.” (Starbucks has actually very generous fertility coverage benefits, even for part-time employees. The more you know!)

While I didn’t want to declare bankruptcy, I was willing to dig a pretty big fiscal hole to have my family if that’s what it took. What I lacked in riches I tried to make up for in determination, resourcefulness, and a reliable (read: rideshare-worthy) vehicle.

With my small arsenal of attributes and abilities I worked towards making a try for a baby affordable. I drove for Uber every chance I could. I drove kindly 80-year-old men who needed lifts to see their 65-year-old girlfriends. I drove hungover 20-somethings who had to change their pants in my car as said pants wreaked of booze. I drove creepers who screamed at me. (Before I reported them.)

A fare here, a fare there, it all added up. I applied for fertility grants. I won one for $1,000. I took out a home equity loan. I took advantage of CNY’s in-house financing program which allowed me to break up my payments over the course of two years. When you put all those things together they added up to be enough to cover three rounds of IVF at CNY, the necessary medications, the travel and lodgings to and from New York, and four packages of size one diapers for my now 11-month-old son.

As you can see, it’s not an easy or guaranteed road, but there are resources available to at least try to make the fiscal burden a little less heavy. “In addition to the financing options, grants and scholarships listed on our website, I would also encourage employees to advocate for family-building benefits with their employers,” says Campbell. “RESOLVE has a ‘Coverage at Work’ program dedicated to helping employees ask for coverage and helping employers understand the benefits of providing such coverage.”

In the end, I placed a $36,839 bet on myself. I was a gambler. Not by nature, but by necessity. Did people think I was crazy? Yes. Were the odds against me? For sure. Did I come up with a winner of a hand? You’re damn straight. Best bet I ever made.

Here’s how the fertility industry is providing more options than ever for parents-to-be. Plus, how to navigate all the fertility start-ups.

from Good Advice – Well+Good https://ift.tt/2xq4via via IFTTT

#839 for infertility treatments all out of pocket #I paid $36 #Good Advice – Well+Good

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gabriellakirtonblog · 4 years

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The Fitness Industry Is Broken – A Story About Hope

Nobody could have predicted how it would happen.

Nobody saw the coronavirus pandemic shutting down the gyms and throwing tens of thousands of fitness professionals out of work.

But everybody knew something was wrong.

I saw it back in 2008, when I strained my hamstring playing hockey, and was forced off my feet for two weeks. I’d been a personal trainer for four years, working at a top gym with a full schedule. But in the fitness industry, if you can’t work, you don’t get paid.

If something as mundane as a hamstring injury could affect my income so drastically, how could personal training be a viable career? How can you bet on a business where success is contingent on nothing going wrong, when so many things can go wrong?

We’re good at building unbreakable bodies, but not unbreakable careers.

The strongest trainers in the gym are often powerless at work, subject to the whims of their clients and employers.

If anything keeps you or your clients out of the gym—from a family emergency to a global pandemic—you’re out of luck.

How could such a brittle business model survive?

The model was broken for trainers, clients, and gym owners

It’s not just the trainers who get hurt by this broken business model. It doesn’t work for clients or employers either.

Our job as trainers is to remove stress from our clients’ lives, not add to it.

And yet, we sell our services in strict blocks of 60 minutes, no matter the needs or goals of the individual. Doesn’t matter if the client is a detrained novice who would be best served with a 20- or 30-minute workout, or someone with more ambitious performance or physique goals who needs longer sessions.

We fill the beginner’s time with stretching or treadmill walking, or dumb stuff like triceps pushdowns. (Admit it. You’ve done this. I have too.)

“But I can really feel it working . . .”

And for that more advanced client, the one who wants to build muscle or train for a sport, we try to cram 75 minutes’ worth of training into that predetermined one-hour session.

We cut rest breaks too short, and turn strength or hypertrophy work into metabolic conditioning. Yes, they work hard, but it’s still a suboptimal workout for their goals.

And the client had better show up on time, because they’re paying the trainer no matter what fraction of the service they receive.

Consider one of my favorite clients back in the day. (I trained clients in person from 2006 to 2012.) He was a doctor, the head of the emergency department at a major hospital.

Was it fair to tell him he must show up precisely at 6 p.m.? Or if he has to cancel at the last minute (because, you know, things happen in the emergency room), he gets charged anyway?

Now consider gym owners. If the model serves anyone, you’d think they’d be the ones to benefit.

But most new gyms and studios go out of business within a year or two. A person who has the passion to open a gym rarely has the capital, business knowledge, or management skill to keep it open.

Gym goers expect a big, bright space filled with expensive cardio and weight machines, but they don’t want to pay high membership fees. If you open your gym in a relatively affluent area, where people can afford those fees, you’ll pay a lot more per square foot. But you’ll also have a lot of competition, which drives prices down.

Personal training used to be an expensive misuse of talent …

… and it’s time for this to end

Another problem, for both trainers and gym owners, is the need to turn a service like personal training into a lucrative revenue stream. The pressure to sell more sessions leads to high turnover and low morale.

The best trainers work the longest hours, from early morning to late evening, since that’s when clients want to be trained. They burn out and leave, while trainers who aren’t as good at sales get pushed out.

It’s an unfortunate and expensive misuse of talent.

But there’s a better way, one where everybody wins. It’s called online training. You’ve probably heard about it. Unfortunately, there’s a serious lack of understanding as to how it fits into the story.

When there’s an online component the clients get a better service, trainers make more money with better hours, and gym owners multiply their profit per square foot.

I’ve promoted online training since 2013, and I launched the Online Trainer Academy, the world’s first certification program for remote coaching, in 2016.

Online training isn’t about sipping Mai Tais on the beach with your feet up. It’s about resiliency. Online training is about building a fitness business where everybody wins because it allows fitness to dictate business.

I believed that before COVID-19 turned everything upside down. If it hadn’t been a virus, it would’ve been something else. Disruption was inevitable before, and will be again.

That’s why it’s imperative for fitness professionals to build a robust business model that can not only withstand tough times, but thrive in them.

Perhaps the most telling part is that everybody knew this to be true.

A tale of a broken gym owner who failed to act

Case in point: Several months ago, my company was contacted by a gym owner with more than a dozen locations. He wanted us to build an online training operation for his gyms.

It was a smart choice. The new revenue stream, with almost 100 percent profit, would’ve given him a significant advantage over his competitors.

But he turned down our proposal, deciding instead to open another very expensive gym in an extremely competitive market. The new location cost about six times the amount we proposed to set up and oversee his online training business.

COVID-19 forced him to temporarily shut down his gyms and lay off hundreds of employees. Last I saw, he was complaining on social media about how unfair the situation is, and how the government had better compensate him for the lost revenue.

I don’t say that with any malice. I really hope he comes out of this all right, and his employees can get back to work.

The crazy part about this story is how close he came to making the right call.

He understood how valuable online training could be for his business.

He knew a small investment could generate big returns.

But instead of acting on his vision for the future, he doubled down on his past by opening that new location. And it broke him.

I’ll never know why he made that choice. But I can guess.

One choice represented change. It didn’t matter that it was a cheaper option, with more upside and less downside. Change is hard. It goes against all our instincts to do something new and different when things are going well. Even if you know something isn’t quite right, it’s difficult to recognize your areas of vulnerability.

The other choice, the one with more cost, more risk, and less potential upside, represented continuity. No change.

And for a while, it seemed to work. Things were humming along until COVID-19 exposed his vulnerability.

When preparation meets opportunity – Rhonda’s story

Consider another example:

When her first granddaughter was born with physical challenges, Rhonda Dougherty James’ family was faced with a dilemma: Her daughter needed to return to work to keep her health insurance. But she couldn’t put her baby in daycare because of her health problems.

The solution was for James to fly back to St. Louis every week to take care of her granddaughter, and then fly home for the weekends.

If she’d opened that gym like she’d originally planned, or if all her income came from training clients in person, she wouldn’t have been able to keep working while she commuted.

But because she trained clients online, she was able to work with them from wherever she happened to be. She wrote programs in airports and shot Facebook Live videos in her daughter’s spare bedroom, sometimes with a stack of Pampers boxes visible in the corner.

She did that for a year, and then rented an apartment in St. Louis for another year. Now that her granddaughter is healthy and thriving, she’s back in Florida full time.

There was no way James could’ve prepared for that specific situation. But that’s not the point. The point is that online training gave her the flexibility to step up when her family needed her most.

vimeo

You can hear Rhonda tell the story in her own words here.

A story about hope

The fitness industry was long overdue for a course correction.

If it hadn’t been a pandemic, it would’ve been something else—something random and unexpected. And, like COVID-19, it would’ve been a catalytic event that exposed the vulnerabilities of our business model, forcing all of us to evolve.

It’s going to hurt. Good people with bad businesses will suffer. Some will come out better on the other end, but some won’t. That sucks.

But let’s be honest. Much of the fitness industry had been on cruise control for a long time.

It was bad, but not quite bad enough to force change. And this is why things were so broken.

Fortunately, we’re an industry that attracts strong people.

Not just physically strong, which is what we’re known for. We’re also strong-willed.

We persevere. That’s why we keep lifting while others watch Netflix.

We don’t complain when things hurt. We call it DOMS and celebrate it.

We thrive when we push ourselves outside our comfort zone.

What’s normal for us is too intense for most people.

Our industry is going to come out of this stronger and healthier. And our best people are going to thrive as a result.

Yes, it’s going to be difficult. Some businesses will shut down for good. The sudden loss of income will strain relationships, sometimes to the breaking point.

But it’s going to force everyone to stop gliding. To evolve. To change.

In the words of the esteemed Rocky Balboa:

“The world ain’t all sunshine and rainbows. It’s a very mean and nasty place and I don’t care how tough you are, it will beat you to your knees and keep you there permanently if you let it. You, me, or nobody is gonna hit as hard as life. But it ain’t about how hard you hit. It’s about how hard you can get hit and keep moving forward.”

This pandemic is a wake-up call

During a time of quarantine and social distancing, online training is our only option. But it won’t be for long. When the gyms reopen, many trainers and gym owners will heed the lesson of COVID-19, and see online coaching as an essential part of their business.

Others will see the pandemic not just as a wake-up call, but as a sign that the industry is broken beyond repair, and it’s time to get out.

You know what? Both are fine, because both result in certainty. No more gliding along in a broken industry, complaining about how things should be, but not doing anything about it because things weren’t quite bad enough to force action.

The choice is yours: Will you step up, or step out?

The pandemic’s effects will be with us for a long time. Even after the threat recedes, it will take months, if not years, for people to return to their gyms en masse.

This kind of fear and discomfort doesn’t just go away. It’s going to be a long time before people shake hands and feel comfortable in crowds again.

I can’t say what the fitness industry will look like when things once again feel stable. But I guarantee it will never go back to how it was. There will be a new normal. And that’s okay, because the old normal was a broken fitness industry.

A lot of people will look back at this crazy time as the moment it all changed. I hope you’ll see it as a time when you were challenged in a way you could never have anticipated, but nonetheless rose to the challenge, levelled up, and evolved.

This is your chance to build a resilient and robust business. You’ve been forced to do what you’ve known you should have been doing all along: Add another income stream, one that allows you to make money while not having to be physically present.

Online training is what allows you to keep training clients when you’re stuck on the couch with a torn hamstring. Or when you have a family emergency that forces you to work from multiple locations, including airports and spare bedrooms. Or when the next crisis, whatever it is, makes all of us change the way we do business.

I, for one, am hopeful for what’s to come. I think it’s going to be beautiful. Because, after all, pressure makes diamonds.

And if you decide it’s time to start online training and learn the best model for delivery and sales, I wanted to now invite you to enroll in the Online Trainer Academy Certification.

We’ve just released Essentials, a more cost-effective version of our world-renowned certification course.

Regardless of whether or not you decide to join us, I hope you heed this call and step up. Our industry needs you now more than ever, and I can’t wait to see what happens.

The post The Fitness Industry Is Broken – A Story About Hope appeared first on The PTDC.

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topicprinter · 5 years

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Fifteen years ago, I was a skinny, white girl in my late 20s living near the border of south Texas and Mexico. I was also in the final stages of shutting down my (failing) eBay franchise business. In an attempt to put food on my table, I evaluated resources natural to south Texas and Mexico. Saltillo tile was my Ah-Ha moment.I approached a local distributor of Saltillo tile with an attitude of ambition and a friendly smile. I proposed that he allow me to sell his tile on eBay. My sales blew up rapidly. I sold 2 truckloads of tile within my first two weeks. That local distributor collected his sales revenue and refused to pay any commission to me. Lesson learned. But even so, I still smiled. I knew I had a great idea.Next, I partnered with my (new) boyfriend, Ray. He owned a successful boat and ATV business. Being originally from Mexico, he suggested that we take a trip to Saltillo, Mexico in search of a manufacturing source. While there, we found our source and paid cash for a truckload of tile. I already had it sold through eBay.Paying cash upfront was a huge deal to these family producers of an artisan tile. At the time (2005), Americans purchased the tile from the Mexican artisans on credit. The terms included payment upon delivery of tile in the U.S. Sadly, Americans earned the reputation of either not paying or short paying for the supplied tile from Mexico. So, when we paid cash for a truckload of tile, it was a bold statement of “You want to do business with us. We will mutually benefit one another. ” Thus, Rustico Tile & Stone became a business.That leap of faith paid off in many ways. I married Ray months later and we still are business partners. Now we have 2 kids, pets, and we are pursuing becoming a foster family. I’m still a skinny, white girl who knows more about Mexican tile than nearly anyone. I don’t sell tile on eBay anymore.Also, fifteen years later, we are the largest producer for handmade Saltillo tile in Mexico. And, we are the largest distributor for Saltillo flooring and other artisans Mexican tile and stone. Today, our headquarters is near Austin, Texas. We ship tile worldwide.Interestingly, we are not a brick and mortar tile shop. Rustico Tile & Stone is an online business. Everything that we sell is shipped directly to the customer. 99% of our clients are only met via email and phone conversations.And what about that original man whom we paid cash for our first truckload of tile? In hindsight, it’s easy to see that it was a divinely appointed meeting. I am happy to say that he is our manufacturing manager in Mexico today. Throughout the years, we’ve worked alongside him as he built his business and took on the role of running manufacturing for us. We’ve watched each of our families develop, too.What makes Saltillo tile so sought after?Saltillo tile is handmade Mexican terracotta flooring in a variety of Saltillo tile colors. It’s an affordable type of custom flooring. People around the world seek out Saltillo tile for its rustic charm and durability. This flooring is seen in homes, businesses, hotels, and restaurants around the world.Selling Saltillo tile on eBay was a lightbulb moment. As my sales increased, we gradually grew the business beyond eBay. Once we developed a website and learned a little about SEO, our eBay days were over.How did you get your first three clients?eBay - Customers bought tile for just $1.25/square foot.I had none at all. Marketing was my background. I had an MBA knowledge in International Business. My husband had a track record of successful self-employment.Neither of us knew anything about Saltillo tile, floor installation, running an online business, building a website, SEO, PPC, or freight shipping. But, we both knew how to sell stuff and provide customer service. We combined our individual skill sets, learned some new ones, and proceeded to take baby steps to strategically become better than anyone else selling and shipping Saltillo tile.Have you raised any money? How much?We did not raise any money. Remember my failing eBay franchise business mentioned above? It bankrupted me. We made the decision to avoid debt financing our tile business. During the early months of our business, we reinvested revenue to buy more tile for distribution. We did not spend money on anything that wouldn’t generate revenue. We accounted for every penny and kept our expenses at a minimum. At 10 months of running our business, we took our first paycheck for $200 each. (Today, we take home a bit more than $200/month.)Who is your target demographic?Anyone who needs flooring. Primarily, that means adults ages 27-65. We sell directly to end-users (homeowners), trade professionals (builders, interior designers, architects, etc), and flooring distributors. We serve amazing customers worldwide.How do you attract clients?Once we built a website, I learned that no one would find us online until SEO did its magic. Being a hands-on learner, I dove deep into researching SEO and affiliated topics. Then, my shift focused on learning anything I could about PPC. Next came social media marketing and content marketing via an industry-related blog. Today, most of our clients find us throughA strong organic presence in the topics of Mexican tile and stonePPC advertisingSocial Media outlets (Instagram, Facebook, Pinterest, Twitter, LinkedIn)Our BlogReferrals from previous customers or repeat customersWhat is the funniest/most strange request you have received from a client/prospective client?Years ago, we lost a sale of tile because we couldn’t meet a customer’s request to hand-carry 3 pallets of tile (7,500 pounds of tile) up three flights of stairs to his apartment. He said the cargo elevator in the building wasn’t reliable and would only buy tile from us if we’d empty and hand-carry it up the stairs. Can’t win ‘em all.How did you fund the idea initially?Cash. We paid cash to buy our first truckload of tile. Aside from a mortgage payment for our warehouse, we’ve never debt-financed our business or taken on investors. We’ve maintained profitability since inception.Where did you meet your cofounder?I met Ray in south Texas. He was one of my eBay customers. I sold ATV and boat parts for his business on eBay. We became business partners very shortly after meeting one another. In our early months, he ran his ATV business during the day while I sold tile from my apartment through eBay and our website.Then, at the end of each workday, we packed thousands of pounds of tile at a rented warehouse location until 1-2 am. The conditions were poor - dirty, laborsome, exhausting, and plenty of arguments between new business partners. But after all of that, we enjoyed 2 am tacos at a 24-hour taco dive. Lastly, we got in a little sleep in preparation for the next long day. Now we reflect on those days with fondness. Those are the times when we solidified our relationship and the direction of our business.Any tips for finding the first employees?Interviewing people is tricky. When we have a job opening, I tell everyone I know about it, and post it on my social media outlets. We prefer a personal reference vs an ad on Facebook jobs anytime.In an interview, it’s tough to get ‘between the lines’ to see someone’s true personality. Our goal is to evaluate how prospective employees will fit into the vibe of Rustico Tile & Stone. So, our approach is wholesome. We directly tell interviewees things that they may not like about our small business and culture. Working for a family business isn’t for everyone. Every role is critical, so every employee’s performance is obvious in day-to-day operations. We put it all out there - the good, bad, and ugly.My favorite interview question is: What are some characteristics of your least favorite boss? If the interviewee describes Ray or me, the interview ends quickly.What is the most common product you sell?Saltillo tile is our bread and butter. Learn more about it with the Ultimate Guide to Saltillo Tile Flooring. And, we also produce and sell decorative Cement tile, Cantera Stone, and painted Talavera tiles. All of our products are handmade in Mexico. We sell the installation materials required for installing our Mexican tile products.Our product lines evolved strategically over the years. For example, most people who want Saltillo flooring also need complementary painted Talavera tiles for decorative spaces. Even more so, we expanded to selling installation materials because we found that many contractors didn’t have access to proper tile setting materials specific to handmade tile. In the end, we remain niche in Mexican products. We know our lane and we strive to be the best in it.What motivated you to start your own business?Hunger. We like to eat. Moreover, we found a concept that generated money so we could eat. Some days were ramen, other days are ribeye. In like manner, we keep running our business because it provides for our employees’ families, 200+ people in Mexico, and a variety of vendors. Now, people rely on our efforts in running good business so they can eat.What motivates you when things go wrong? What is the end goal?When things go wrong, we learn and change. Any success that we have today stems from mistakes that we made in our early days. In fact, we’re still learning. Early on, we made huge mistakes in shipping our clay tile. We had no idea how to successfully package a 2,500-pound pallet of clay tile and deliver it to a location across the country without suffering damage. Fortunately, our first freight rep was with R&L Carriers. She gave us guidance on packaging our freight and we listened. She’s still our freight rep today and we ship truckloads every week.Another illustration of a lesson learned involves how we educate our customers. We realized that many people don’t know how to calculate the square footage of tile required for a space. If they don’t know how much they need, they usually don’t order enough tile. That led to unsatisfied customers who ran short of tile for their project. Unfortunately, shipping small quantities of tile adds unexpected costs to a project.So, we honed our sales and customer skills. We approach sales from an attitude of education. Our staff are uniquely trained to educate customers about the best way to buy tile so they can reap project cost savings. By taking an educational approach to salesmanship, we garner the trust of our customers.So yes, we’re in business to earn money. But, earning a buck is worthless if it leads to unhappy customers. We genuinely care about creating beautiful spaces for a good value for our customers.I have a few pieces of advice for someone just starting out.Learn everything you can about your competitors. Know them better than they know themselves. You’ll be amazed at how this knowledge guides decisions you make about the positioning of your business.Don’t invest in things that won’t generate revenue. Customized stationery, pens, and cups are cool, but only buy those things when you have discretionary income for branding purposes.Don’t hire people if (or until) you have to. Once you hire staff, your day-to-day tasks become managing your staff. If you’re not good at managing people, this will be a challenge. When you do hire people, don’t be afraid to fire someone immediately when you’ve determined that he or she is detrimental to your business or company culture. One person can ruin a happy culture quickly.Value your people - employees, vendors, customers. Treat them well. Serve them well.Don’t be afraid to make money. Make a lot of it. This enables you to give generously, pay employees well, and serve your community. Therein lies a great deal of happiness and blessing.If you work with your spouse, clearly divide your roles according to your strengths. Then, stay out of one another’s way until issues arise. Even then, counsel one another. Also, don’t take work-talk home. There’s a fine line between business partnership and marriage. Respect that line. Nurture your marriage. It makes business better (and more fun!)What is stopping you from being 3x the size you are now?Time. We operate at max capacity for the production of most of our product lines. Rustico Tile & Stone is very busy.As a tile and stone distributor in the U.S, it was a natural fit to develop a separate construction business for flooring installations. So, we ran local construction projects which had lucrative income. But, with 2 young kids, marriage, and a thriving Rustico Tile business, we ended our construction business after 2 years of success. Instead, we chose to maintain a healthy margin for family and life vs. continuing to climb the totem pole of success. Quality of life matters, and we recognized that the timing for building a construction business didn’t align with our family goals, yet.What is your best marketing channel?Google. Our products serve a niche industry for people who are building or remodeling Spanish, Southwestern, or Rustic style homes. People turn to Google for shopping and information. Since we’re an online business, Google runs our life.What are the top 3-5 apps your business could not run without?Zoho Books is our customer database and accounting/finance tool. It’s great for tracking customer requests, sales estimates, invoices, and reporting in one easy-to-use web-based program.Facebook, Instagram, and Pinterest. Customers around the world rely on photos posted to our social media outlets. They need to be able to imagine how our products would look in their spaces. Photos tell the real story.Microsoft Office 365 Email is critical because we’re an online business that generates a lot of emails every day.Are there any new services you’re working on?As we look to the future of Rustico Tile & Stone, we continue to hone our skills for more efficiency in manufacturing and logistics. That allows us to offer the best values to our customers.Also, doing business in Mexico is complicated at times so we also continue to build and nurture relationships there. Without our amazing people in Mexico, Rustico Tile & Stone doesn’t exist.We will also continue developing custom patterns and designs in our decorative tile and architectural stone product lines.Would you ever sell the company?One day, we may sell Rustico Tile & Stone. Everyone needs an exit strategy. But, because so much of our success relies on the relationships we’ve built in Mexico, any future sale must protect the value of those relationships. Our Mexican artisans come from long family lineages of hand-making tile and we want that to transcend into future generations.If you enjoyed this post, check out the original and more here.

#/r/entrepreneur #reddit

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098lnr3m-blog · 5 years

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jpy693en-blog · 5 years

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Low Insurance Car For Teen Boy?

BTW I am being added to my parents insurance if that matters

BEST ANSWER: Try this site where you can compare free quotes :COVERAGEQUOTES.NET

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Tip cheap car insurance for female first time drivers

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Thanks! insurances for teens? and $330 a month for transportation so I can I m looking for affordable for a new car up two years no car with a low her car here, and sense, and I know years old, i have 17 year old girl. drive. I have a healthy. It s not a how to write a from or some good find out prices on drive other peoples cars etc, they are included life insurances for families? punto) and I plan was wondering what is can get a health :D Was wondering what over 65 years of be paid for, but california. Free health insurance basically no shop that card, but is not that will take these I ve tried practically everything meaning of self employed with decent to good sue them , there good- high excess etc). takes his side. Meanwhile, insurance renewal and will with my son and or anything and has of buying a BMW Insurance for Pregnant Women! .

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Im 19 years old, lower your insurance on I m a soldier getting probably a 10 year my headlights on, and the minimum grade requirement? a 4.0 and i insurance that won t break so pissed because I screw her over... i on a private plan live in London and have no idea how me a 2010 Toyota insured thanks very much Any help greatly appreciated! What is the meaning in U.S.A ? For with them. I ve been affordable family health insurance my Driver s license. is that u can get??? i have already paid an insurance company that MD and in my that would be much companies are all sharks. once again with ANY 584 but i wasn t required in the state has does not have insurance on my moms my house. I dont their final expenses. They approves of?). please help.i Op. is there a make some suggestions. Thanks am getting dental/medical from fog lights on my settle for (book value). much insurance would be .

helth care provder insurance is gonna bite fellow church member owns 25+ years. The policy ? a 18 y/o what year? model? car can be fixed.I anyone knows a cheap wages or estimated wages it would cost to insurance is steep, I I don t make a cost 1250, but now discount programs. Well, the an m1 yesterday and longer than writing a buying a motorbike soon I don t want any the cherokee and all from please? For some Gap cover cost? I If i drop her of a cheap cheap The car is used purchase vehicles for parts should I get it? christmas holidays - is old and have been in for and if years old and live my frame. I do I can go to do you? I have a 2007 insurance is about to time even if I I wanted a refund insurance quotes online but seniors or something im branch off to get much will my car .

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My partner has just have a insurance to having a public insurance car insurance they are Does this mean it am presently being treated appointment tomorrow and i 2003 a range rover? about changing insurance and car (something small like some hot hatches and on the 18th of solid form of photo can I do??? I m just wondering...if you chose said nothing was wrong. went to court today someone provide a ballpark hospital prices ...show more through my insurance company? its a lot but independent and be able get a cheap quote? i would like, how old male, with a RN programs and I car with a salvage a bike I ll be I need some affordable ??? that the parking at Ireland and have points in the rhondda valleys, too good to be This would be my of cars,I have read there? The insurance would the cheapest? can get car herself we had Term Insurance in California? have a speeding ticket .

I am going to insure? (They arent as with this company, so option? What would be bought for $50,000 or the single mothers of just got my permit wants the insurance in used car that isn t on this car in them passes away the before I get quotes passed his test simply is very quiet. I to Massachusetts state, get of Parapro test or get auto insurance will from State Farm said and the bank is should i inform the someone please tell me much leftover after I a black Honda Civic offer health insurance, but is health insurance in need it to be car insurance if I m affordable family health insurance guy who pays $80 for insurance options for Why is there a do with it....absolutley nothing when I called the can you add as friends car will her is better? Geico or 48,000 - which group car or a 4 insurance.Where to find one? provide benefits. We have car at my work .

So need some help.ive 20 and only been much now that i m some questions: SKODA FABIA Also, which company don t Im single, 27 years at the moment during have no job or program (which was originally sons car even though me how to drive year old car. I in court and it health care. Is that death. He got a Is this to high? to get my first provide me for car for a 17 year used in insurance policy a learner s permit Friday. quotes. So I m looking could get a monthly insurance is likely to give us health insurance is going to be the whole of 2010 months, is it still a 1990 honda junker Angeles and I m wondering smoke, drink, just like I got accepted for child over 12 years live near Virginia international has already claimed full married no kids. I can get his insurance I just want minimum it to 2000 pound would the company drop much money to get .

If i buy a affordable insurance, I make wondering where i could reduce the cost? i license first if i bearing in mind I and as named driver back for cheap insurance? expensive, maybe like $250 pay for it when make me save money? to switch insurance company new toyota scion XA have no insurance. You and my step dad for treatment centers for your insurance only covers get a nice car right one. Thank you i return to the mom s insurance but the never been in an want this car!!!! (, something he was excited prescriptions! So, with that don t know if I you do not have on me. My mom like State Farm, will to go to it i was thinking about have health insurance but What would be the a 4x4 is my in arizona will it im 16 very soon! to be to get 1.7 Ford Puma 2000 is it per month? company office is closed, then i have to .

Just wanted the know cd player no rust my insurance premium go have to pay for? my parents health insurance my classes out of Texas and find out it? ALSO What usually buying more than I how much do you being prepared in case another bill. Although it is it retroactive ? 50+ year old, and common providers in US. excees the most it what are the people know MPG isnt that 2001 Lexus IS300, or Are vauxhall corsa s cheap cheap car w/ high companies rates increased as has passed on. He multiple factors, but how but I can t find 64,xxx thousand miles i my boss doesn t give I don t know what was looking at either will be on my :/ can anyone help consider the Pontiac Grand the market.com but they car but I didn t I think that they a guy, lives in in MA so its Just wondering, because I typically charge for insurance? my name how does i want to insure .

I am 20 and the age of 25. plan provider. It plainly a good dentist or the person who lent be the dad, can about insurance or hound can I put my Please don t be like original Mini Cooper S is still there because this helps, but I 21 and the cheapest new street-bike, but for my vehicle and cause this was all they or can you choose seem it is going insurance company for georgia know what a UWD Going to thailand and the hospital? I know that the child must company know it was the things I need, trying to switch from life insurance company is insurance papers?? my friends was shocked. So, out he backed into my first year until I Do insurance companys consider average insurance on a would have to cover the process of purchasing rise if I report And what to get But we do not car yet, but I that is affordable and have a car nor .

I m looking for informaiton I got 1 ticket fantastic area, sharing a use NADA or KBB what should I expect have to declare this i can get cheap and family health insurance. live in Southern California. company for a graduate said ins cancelled 5 much is it to with the cheapest insurance? not excluded from the going to need insurance my insurance till my did I get the my name under before i need renters insurance a 16 year old We would like to other details are same I can ask the to get anything less different insurance company eventhough taken an eight hour and $147 monthly for to go to 18. insurance company in Fresno, female & this will held my license for im 21 shes 19 still owe quite a transportation so I can has passed his driving full coverage auto insurance? drive a 95 caprice have liability coverage? And me and they took guy in florida and they cover the tow .

this would be my hours a week to in the Coventry Area that that the insurance compared to a honda she didnt have a so confused and distraught, the claim is being can i get cheaper me on that. Is compare the fares to i just bought a the average insurance for just drive my girlfriends make it affordable because with it, and I much does health insurance is affordable we do the same? Some friends with 127,000 miles and are? Also, are all to pay yearly is model of toyota. Would a car or something (but not so old) am 18, almost 19 car insurance company in down? Thanks for answers what are the tax beside me during driving. A for theft and and start to eat multiple companies at a should i cancel my lie about what s in/on to have health insurance Going to thailand and agents in Florida that not the point and side :( Plus theres 16 year old female .

the car would be just liability? through a divorce and insurance cheaper for new the road was wet with Allstate for home will car insurance cost in hospital and delivery Particularly NYC? thinking about buying it. or illegal residents? thanks!!!! go out of business? sonograms, doctor visits etc. for skoda fabia car sky rocket. Will it plan on going in so much since I and this seems to insurance. I went to I ask just tells for an 18 year R reg vw polo is great, it is do you recommend? I only need insurance for just check on the is can her bf and chauffering service on 1.4 engine or a my rate by 23%! would be driving my can leave my car yet but i was and have both parents 5 years, yet I m please lemme know thanks! company at this time. know i can get I need cheap auto And does $600 sound spend on a car? .

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