#can only speak 2 the higher ed system in the u.s. but | Explore Tumblr Posts and Blogs

kotoole21ahsgov · 4 years

Text

California Proposition Assessment

1. “English Proficiency. Multilingual Education. Initiative Statute” or proposition 58 from 2016

2. Prop 58 aimed to “[preserve the] requirement that public schools ensure students become proficient in English”. Because prop 58 passed, students with limited English proficiency have the ability to learn English through their school district which is beneficial for their future and all in the community.

3. There is no notable fiscal effect on school districts nor state government.

4. The election results of Prop 58, of 2016, did surprise me as 73.52% of persons voted yes on prop 58

Proposition 58 Sponsors:

-Sen. Ricardo Lara (D-33)

-Sen. Loni Hancock (D-9)

-Sen. Bill Monning (D-17)

-Sen. Martin Block (D-39)

-Asm. Nancy Skinner (D-15)

-Asm. Lorena Gonzalez (D-80)

-Gov. Jerry Brown (D)[6]

-Lt. Gov. Gavin Newsom (D)

-State Superintendent Tom Torlakson

-Secretary of State Alex Padilla (D)

-State Controller Betty Yee (D)

-Insurance Commissioner Dave Jones (D)

-U.S. Rep. Judy Chu (D-27)

U.S. Rep. Ted Lieu (D-39)

U.S. Rep. Alan Lowenthal (D-47)

U.S. Rep. Adam Schiff (D-28)

Sen. Kevin de Leon (D-24)

Sen. Ben Allen (D-26)

Sen. Jim Beall (D-15)

Sen. Hannah-Beth Jackson (D-19)

Sen. Isadore Hall (D-35)

Sen. Ed Hernandez (D-22)

Sen. Jerry Hill (D-13)

Sen. Mark Leno (D-11)

Sen. Connie Leyva (D-20)

Sen. Carol Liu (D-25)

Sen. Mike McGuire (D-2)

Sen. Tony Mendoza (D-32)

Sen. Holly Mitchell (D-30)

Sen. Richard Pan (D-6)

Sen. Fran Pavley (D-27)

Sen. Richard Roth (D-31)

Sen. Bob Wieckowski (D-10)

Sen. Lois Wolk (D-3)

Asm. Anthony Rendon (D-63)

Asm. Luis Alejo (D-30)

Asm. Rob Bonta (D-18)

Asm. Ian Calderon (D-57)

Asm. Nora Campos (D-27)

Asm. David Chiu (D-17)

Asm. Kansen Chu (D-25)

Asm. Cristina Garcia (D-58)

Asm. Eduardo Garcia (D-56)

Asm. Jimmy Gomez (D-51)

Asm. Reginald Jones-Sawyer (D-59)

Asm. Kevin McCarty (D-7)

Asm. Miguel Santiago (D-53)

Asm. Susan Talamantes Eggman (D-13)

Asm. Tony Thurmond (D-15)

Asm. Das Williams (D-37)

Mayor Ed Lee, San Francisco

Mayor Bao Nguyen, Garden Grove

Mayor Robert Garcia, Long Beach

[Parties]

-California Democratic Party[7]

-Green Party of California[8]

-California Peace and Freedom Party[9]

-Harvey Milk LGBT Democratic Club[10]

-Santa Monica Democratic Club[11]

Interest group endorsements:

N/A

-Financial Backers:

-California Teachers Association PAC~$1,722,048.00

-SEIU Local 2015 Issues PAC~$104,833.18

-California Federation of Teachers COPE Prop/ Ballot Committee~$100,000.00

-Association of California School Administrators Issues PAC~$100,000.00

-SEIU California State Council~$100,000.00

I was unfortunately unable to find/locate the endorsements although the financial backets are quite understandable as they consist of teachers' organizations/committees or are mostly education related. By understanding the financial backers it is clear what this props aimed demographic is.

Arguments for Prop 58

“PROPOSITION 58 ENSURES ALL STUDENTS CAN ACHIEVE ENGLISH PROFICIENCY AS SOON AS POSSIBLE.”

“Too many California students are being left behind and not given the opportunity to learn English with the most effective teaching methods possible. This is because of an outdated nearly 20-year-old law, Proposition 227, which restricts the instructional methods school districts can use to teach English.Proposition 58 revises Proposition 227 to remove these restrictions so schools are able to use the most up-to-date teaching methods possible to help our students learn.”

Requires local school districts to identify in their annual K-12 Local Control and Accountability Plans the instructional methods they will offer to help ensure all students become proficient in English as rapidly as possible.

Requires schools to offer a structured English immersion program to English learners. But schools also can adopt other language instruction methods based on research and stakeholder input.

School districts must seek input from educators, parents and the community.

“PROPOSITION 58 ALSO EXPANDS OPPORTUNITIES FOR ENGLISH SPEAKERS TO LEARN A SECOND LANGUAGE.”

Proposition 58 removes barriers hurting students by discouraging schools from expanding multilingual education. Proposition 58 encourages school districts to provide instruction programs so native English speakers can become proficient in a second language:

School districts must include in their annual K-12 Local Control and Accountability Plans programs giving English-speaking students the opportunity to achieve proficiency in a second language.

District choices of non-English languages must reflect input from parents, the community and the linguistic and financial resources of schools.

Research shows that students participating in programs taught in more than one language attain higher levels of academic achievement.

PROPOSITION 58 RESTORES LOCAL CONTROL TO OUR SCHOOLS.

Proposition 58 allows local school districts to choose the most up-to-date language instruction methods to improve student outcomes free from legal restrictions imposed on them by a decades-old law.

PROPOSITION 58 PROVIDES A BETTER FUTURE FOR OUR CHILDREN AND OUR STATE.

The world economy is changing rapidly. Today, technology allows even the smallest businesses to have a global reach. Students proficient in English and a second language will be more employable, start out earning higher wages, and make California's workforce better prepared to compete for jobs in the global economy.

PROPOSITION 58 HAS BROAD-BASED SUPPORT FROM LOCAL SCHOOL DISTRICTS, EDUCATORS, PARENTS AND EMPLOYERS.

Giving local schools the tools they need to improve outcomes for students is not a partisan or political issue. Proposition 58 was placed on the ballot by a bipartisan vote of the legislature. Support for Proposition 58's common sense reforms to improve language instruction in our schools is broad-based and includes: Local school boards (the California School Boards Association), Teachers (the California Language Teachers' Association, the California Teachers Association, the California Federation of Teachers), Parents (California State PTA), and Employers (including the San Jose I Silicon Valley and Los Angeles Chambers of Commerce).

Proposition 58's reforms allow schools to adopt the most up-to-date methods of language instruction to improve student outcomes and make better use of taxpayer dollars

Arguments against Prop 58

“THIS BALLOT MEASURE IS A DISHONEST TRICK BY THE SACRAMENTO POLITICIANS”

The official title of Proposition 58 is "English Language Education," But it actually REPEALS the requirement the children be taught English in California public schools. It's all a trick by the Sacramento politicians to fool the voters, who overwhelmingly passed Proposition 227, the "English for the Children" initiative in 1998.

The worst part of Proposition 58 is hidden away in Section 8, which REPEALS all restrictions on the California Legislature to make future changes. This would allow the Legislature to reestablish SPANISH-ALMOST-ONLY instruction in the public schools by a simple majority vote, once again forcing Latino children into those classes against their parents' wishes.

Teaching English in our public schools is overwhelmingly supported by California parents, whether immigrants or non-immigrants, Latinos or Anglos, Asians or Blacks. That's why the politicians are trying to TRICK the voters by using a DECEPTIVE TITLE.

“VOTE NO AND KEEP "ENGLISH FOR THE CHILDREN"---IT WORKS!”

For decades, millions of Latino children were FORCED INTO SPANISH-ALMOST-ONLY CLASSES dishonestly called "bilingual education." It was an educational disaster and never worked. Many Latinos never learned how to read, write, or even speak English properly.

But in 1998, California voters overwhelmingly passed Prop. 227—the "English for the Children" initiative---providing sheltered English immersion to immigrant students and requiring that they be taught English as soon as they started school.

Jaime Escalante of Stand and Deliver fame, one of America's most successful teachers led the Prop. 227 campaign as Honorary Chairman, rescuing California Latinos from the Spanish-only educational ghetto.

It worked! Within four years the test scores of over a million immigrant students in California increased by 30%, 50%, or even 100%.

All the major newspapers, even the national New York Times, declared the new English immersion system a huge educational success.

The founding president of the California Association of Bilingual Educators announced that he'd been wrong about bilingual education for thirty years and became a leading national advocate for English immersion.

Since "English for the Children" passed, there has been a huge increase in the number of Latinos scoring high enough to gain admission to the prestigious University of California system.

Prop. 227 worked so well in California schools that the whole issue was forgotten by almost everyone except the bilingual education activists. Now they're trying to trick the voters into allowing the RESTORATION OF MANDATORY SPANISH-ALMOST-ONLY CLASSES.

7. I would’ve voted YES on prop 58 as I believe a foundational understanding of English is important and necessary young Americans.

8. I found it interesting that the Libertarian Party of California were opponents of Prop 58.

3 notes · View notes

orbemnews · 3 years

Link

Fact, or Corporate Fiction? Facts and foolishness Announcing phony news on April Fools’ Day is one of corporate America’s favorite occasions for shameless publicity stunts. But when stonks, Dogecoin and $69 million JPG files are real things that warrant serious business coverage, the risk of jokes being taken seriously could hardly be higher. Some say that’s a good reason to skip them, not to mention the gravity that a pandemic has cast over things. With that in mind, can you spot the prank among these recent announcements? (Scroll to the bottom for the answer.) A: To celebrate National Burrito Day today, Chipotle is giving away $100,000 worth of Bitcoin. B: Volkwagen’s U.S. operation is changing its name to “Voltswagen” to emphasize the company’s push into electric vehicles. C: Robinhood is nixing a confetti animation when app users make a stock trade to reduce “distraction.” D: Krispy Kreme is giving anyone who shows proof of Covid-19 vaccination one free doughnut per day for the rest of the year. E: Managers at Goldman Sachs are giving junior bankers gift baskets with fruit and snacks in response to complaints about burnout. HERE’S WHAT’S HAPPENING Business groups challenge President Biden’s proposed corporate tax increases. The Business Roundtable and U.S. Chamber of Commerce were among those that praised Mr. Biden’s plan to spend trillions on infrastructure. But they rejected his idea to pay for it by raising taxes, saying that doing so would endanger the economic recovery. The latest setbacks in quelling the pandemic. Johnson & Johnson said it would delay future shipments of its vaccine after a mix-up at a manufacturing plant. A top E.U. official said the bloc would allow “zero” shipments of AstraZeneca’s vaccine to Britain until the drugmaker fulfilled its commitments to Brussels. And France announced a third nationwide lockdown as its cases mount and inoculation efforts lag. A tough day for initial public offerings. As Deliveroo had “the worst I.P.O. in London’s history,” other offerings also struggled. In the U.S., the SoftBank-backed real estate brokerage Compass priced at the bottom of a reduced range, while the low-cost airline Frontier sold at the low end of expectations. And in Canada, the space tech company MDA priced below its range. Microsoft wins a huge contract to make augmented-reality headsets for the U.S. Army. The tech giant will receive up to $22 billion for equipping soldiers with sensors based on its HoloLens technology. It’s another big defense contract for Microsoft, which beat out Amazon to provide a $10 billion cloud computing system for the Pentagon. Executives get a ‘sense of urgency’ in Georgia A day after 72 Black executives signed a letter calling on companies to fight restrictive voting bills more forcefully, executives have begun speaking out more directly about laws that limit ballot access. But their statements came too late to affect a sweeping law passed last week in Georgia that added new requirements for absentee voting, limits on drop boxes and other restrictions that have an outsize impact on Black voters. Today in Business Updated April 2, 2021, 3:58 p.m. ET Delta and Coca-Cola reversed course. Ed Bastian, Delta’s C.E.O., told employees, “I need to make it crystal clear that the final bill is unacceptable and does not match Delta’s values.” James Quincey, Coca-Cola’s C.E.O., said he wanted to be “crystal clear” that “the Coca-Cola Company does not support this legislation, as it makes it harder for people to vote, not easier.” The statements by the Atlanta-based companies angered local politicians, including Gov. Brian Kemp. In the past, corporate stands on controversial issues have led to political retribution: In 2018, Lt. Gov. Casey Cagle stripped a tax break proposal from a bill that would benefit Delta after the airline ended a promotional discount for N.R.A. members. The State House passed a similar measure yesterday, but the Senate didn’t take it up before the chambers adjourned for the year. Retaliation also goes the other way: In an interview with ESPN, President Biden said he would “strongly support” moving Major League Baseball’s All-Star Game from Atlanta, scheduled for July. “It is regrettable that the sense of urgency came after the legislation was passed and signed into law,” said Darren Walker, the Ford Foundation president, who is a board member at Pepsi, Ralph Lauren and Square. Others companies based in Georgia remained circumspect. A UPS spokesperson said the company stood “ready to continue to help in ensuring every Georgia voter has the ability to vote.” A spokesperson for Home Depot reiterated the company’s stance that it believes “all elections should be accessible, fair and secure.” A spokesperson for Inspire Brands, the owner of Dunkin’ Donuts and Arby’s, said that it “values inclusivity” and believes that “every American should have equal access to their right to vote.” “The argument is they are recruited, they’re used up and then they’re cast aside without even a college degree. So they say, how can this be defended in the name of amateurism?” — Justice Samuel Alito, assessing the “stark picture” painted by college athletes in an antitrust case against the N.C.A.A. that the Supreme Court heard yesterday. The Red Sox sold a stake to private equity. Now what? RedBird Capital Partners confirmed its deal to buy a stake in Red Sox parent Fenway Sports Group, a transaction that values the company at $7.35 billion. DealBook spoke with RedBird’s founder, Gerry Cardinale, and Fenway’s chair, Tom Werner, about what happens next. Buy and build. RedBird plans to acquire more teams: Mr. Cardinale noted that his company doesn’t own teams in the N.B.A., N.H.L. or M.L.S. For its part, Fenway plans to tap new opportunities in ticketing, sponsorship and media. (As part of the RedBird deal, the N.B.A. star LeBron James bought a stake in Fenway.) In media, Fenway controls NESN, and RedBird owns a stake in the YES network. “You should expect that we’re going to continue to look for ways to innovate in that area,” said Mr. Cardinale, who helped create the YES network. Deepening ties with online gambling is also on the table. “We do have an excellent relationship with DraftKings,” Mr. Werner said, “and we’ve already had some conversations with them about partnerships.” The deal was a better fit for the private market instead of a SPAC, the executives said, after talks to take Fenway public via a blank-check firm fell through. “In the middle of Covid, with the mandate to re-underwrite the next wave of growth for Fenway Sports Group, we probably would be better off doing that privately and then give ourselves the option down the road,” Mr. Cardinale said of going public. He also called the current SPAC market “very frothy.” What worked at WeWork WeWork was founded in 2008, rose spectacularly, reached a $47 billion valuation and famously crashed before a planned I.P.O. in 2019. (It announced a deal last week to go public by merging with a blank-check firm that valued it at roughly $8 billion.) A new documentary, “WeWork: Or the Making and Breaking of a $47 Billion Unicorn,” tries to find lessons among the ups and downs. It streams on Hulu, starting tomorrow. Jed Rothstein, the director, told DealBook that he believes what’s most compelling about WeWork isn’t what went wrong, but how it initially succeeded by turning strangers into a kind of tribe. “We still need that,” he said. “The core idea of WeWork met a real need for community,” Mr. Rothstein said. “The voids people were trying to fill have only become more real.” After a year of social distancing, he likes the notion of curated communal spaces, which is what WeWork offered. Talking to early WeWorkers who bought the vision and later felt betrayed, he was surprised to find how much the company gave its devotees, notably a feeling that they were part of something bigger. That is worth acknowledging in a world where people will increasingly work remotely and for many different companies in their careers, Mr. Rothstein said. WeWork’s co-founders, Adam Neumann and Miguel McKelvey, both had communal childhood experiences. Mr. Rothstein said he thought they sincerely wanted to replicate the good in group life and inspired people who hadn’t seen that before. But Mr. Neumann also focused on what he didn’t like — sharing equally — and emphasized an “eat what you kill” mentality. Ultimately, his hunger turned the community dream into a nightmare for many. After the director talked to people who followed the initial vision, his perspective changed. “People in the film experienced real growth and fulfillment mixed with their anger,” he said. “I realized the story is much more nuanced.” THE SPEED READ Deals The media conglomerate Endeavor filed to go public for a second time, while raising $1.8 billion to buy full control of the Ultimate Fighting Championship. It also added Elon Musk to its board. (WSJ, CNBC) Vice Media is reportedly in talks to go public by merging with a SPAC. And the S.E.C. issued two notices for companies looking to go public via SPAC. (The Information, S.E.C.) Junior bankers aren’t the only ones feeling burned out. Young lawyers are, too. (Business Insider) Politics and policy New York became the 15th state to legalize recreational marijuana. (NYT) Efforts by aides to Gov. Andrew Cuomo to hide New York State’s Covid-19 death toll coincided with his efforts to win a multimillion-dollar book deal. (NYT) An accidental disclosure by the I.R.S. revealed a $1 billion tax dispute with Bristol Myers Squibb. (NYT) Tech Best of the rest The ad agency Deutsch is doubling referral bonuses for Black job candidates. (Insider) Amazon wants its employees mostly back in its offices, while the Carlyle Group and IBM favor hybrid working models. (Insider, Bloomberg) Paul Simon is the latest musician to sell his entire back catalog: Sony Music Publishing will buy the collection, including classics like “Bridge Over Troubled Water,” for an undisclosed amount. (NYT) Feeling burned-out? As more workers consider a return to the office, our colleague Sarah Lyall is writing about late-pandemic anxiety and exhaustion. Tell her about how you’re coping. April Fools’ Day quiz answer: B. If you were fooled by Volkswagen’s prank, you’re in good company. Volkswagen reportedly told journalists that a draft of the announcement was not a stunt. It later called the stunt just “a bit of fun.” Source link Orbem News #corporate #fact #Fiction

1 note · View note

automaticpostinfluencer · 5 years

Text

New Jersey shuts down nonessential businesses

This is CNBC’s 24-hour blog covering all the latest news on the coronavirus outbreak. All times below are in Eastern time. This live blog will be updated throughout the day as the news breaks.

Global cases: More than 287,00

Global deaths: At least 11,921

U.S. cases: At least 19,931

U.S. deaths: At least 275

The data above is from Johns Hopkins University.

1:50 pm: Amazon will ‘double hourly’ overtime pay for warehouse workers

Amazon said its doubling hourly wages for its associates working overtime in its U.S. warehouses as demand continues to grow due to the coronavirus.

“All hourly associates working in the U.S. Ops network will receive double their regular hourly rate for every overtime hour worked in a workweek,” Amazon said in a statement to CNBC. “This temporary increased overtime pay is effective March 15, 2020, and will continue through May 9, 2020.”

Reuters was first to report the news. Amazon said hourly workers will qualify to receive double pay after 40 hours. The announcement following similar one on Monday, when the e-commerce giant hiked the hourly rate for associates from $15 to $17. —Jade Scipioni

1:36 pm: NJ Governor orders nonessential retail businesses to close, issues stay-at-home order for nearly all residents

New Jersey Gov. Phil Murphy

Scott Mlyn | CNBC

New Jersey Gov. Phil Murphy signed an executive order mandating that “nearly all” state residents stay at home, NBC New York reported.

“All gatherings are canceled,” Murphy tweeted. “ALL non-essential retail businesses must indefinitely close their physical stores to the public effective 9:00 p.m. [Saturday night].

In New Jersey, 1,327 people have tested positive for COVID-19, Murphy said Saturday, 442 more cases than the previous day. To date, 16 people have died from the virus, Murphy said. —Terri Cullen

1:25 pm: Italy’s number of cases, deaths continue to soar

Italy’s grim tally of coronavirus cases and deaths continues to soar, with officials on Saturday announcing new day-to-day highs: 793 dead and 6,557 cases.

The country, at the heart of western Europe’s rampaging outbreak, now counts 53,578 known cases.

More than 60 percent of the latest deaths occurred in the northern region of Lombardy, whose hospitals have been reeling under a staggering caseload that has left intensive care beds hard to find and respirators in dire supply. The new increases come nearly two weeks into a national lockdown in a desperate bid to contain the contagion. —Associated Press

1:23 pm: UAE shuts beaches, parks, pools, cinemas, and gyms

The United Arab Emirates is shutting beaches, parks, pools, cinemas and gyms from Sunday for two weeks over coronavirus concerns, the state news agency WAM said on Saturday.

Restaurants and cafes will be allowed to operate for the same period at 20% of capacity, and as long as customers are at least two metres apart, and for delivery services, subject to review. —Reuters

1:02 pm: Kudlow says coronavirus relief package worth more than $2 trillion

Larry Kudlow, director of the U.S. National Economic Council, speaks during a television interview at the White House in Washington, D.C., U.S. on Thursday, Jan. 30, 2020.

Alex Edelman | Bloomberg | Getty Images

The stimulus package under negotiation in the Senate to combat the economic damage from the coronavirus pandemic will likely total more than $2 trillion, White House Economic Advisor Larry Kudlow said on Saturday. The package is equal to about 10% of U.S. economic output, Kudlow told reporters as he went to a meeting with Republican senators on Capitol Hill. “We’re just trying to cover the right bases,” Kudlow said. —Emma Newburger

12:55 pm: Coronavirus relief must include expanded Social Security payments, Sens. Warren and Wyden say

The next coronavirus economic relief package must include increased payments for Social Security recipients, U.S. Sens. Elizabeth Warren, D-Mass., and Ron Wyden, D-Oregon, wrote Saturday in a CNBC op-ed. “These Americans are scared about their heightened risk for severe illness — and scared about the future as they watch their retirement savings disappear as the pandemic shocks the U.S. economy,” they wrote.

The senators are calling for $200 increase in the monthly benefit payments through the end of 2021. In addition to Social Security recipients, Warren and Wyden wanted monthly payment increases for Veterans and Supplemental Security Income (SSI) beneficiaries. —Kevin Stankiewicz

12:06 pm: USA Track joins swimming in pushing for Olympic postponement

U.S. Olympic leaders face a growing rebellion after the USA Track and Field chief added to the call for a postponement of the Tokyo Games because of the mushrooming coronavirus crisis.

CEO Max Siegel sent a two-page note to his counterpart at the U.S. Olympic and Paralympic Committee, Sarah Hirshland, asking the federation to advocate for a delay. It came late Friday, only a few hours after USA Swimming’s CEO sent a similar letter.

The national committees in Norway and Brazil also have each went public with requests to postpone. —The Associated Press

11:44 am: Stitch Fix temporarily closes two distribution centers due to coronavirus

Katrina Lake, CEO of Stitch Fix

Adam Jeffery | CNBC

Stitch Fix announced Friday that it will temporarily close two of its distribution centers, one in California and the other in Pennsylvania, due to the coronavirus.

“As a result, please bear with us if your Fix arrives a little later or your return is processed later than planned while we manage through these changes. We will be doing our best to communicate with you individually in these cases, please know our team is working hard to make sure your experience is still the best it can possibly be,” Stitch Fix CEO Katrina Lake said in a statement.

The online personal styling service has four other facilities in the U.S. The company also said it plans to pay its employees impacted by the closures in the near term and “will continue to evaluate doing so if the closures are extended.” Founded in 2011, Stitch Fix went public in 2017. —Amanda Lasky, Jade Scipioni

10:50 am: Facebook’s response to coronavirus could improve its reputation

10:17 am: Google launches coronavirus information site to help find testing

Google dropped its much-anticipated website for coronavirus testing on Friday night. The platform allows users to fill out a questionnaire and learn how to obtain a test for the virus. It also provides resources for safety and prevention and a donation option to the UN Foundation’s COVID-19 Solidarity Response Fund for the World Health Organization. —Emma Newburger

10:05 am: Congress is working on a $1 trillion rescue package, but it might not be enough for US businesses

Congress is scrambling to put together a third coronavirus relief package − and lobbyists are flooding the phones.

Lawmakers this weekend are pushing to meet the White House’s Monday deadline of coming to an agreement on a rescue package likely to top $1 trillion. Executives have zeroed in on language in Senate Republicans’ initial proposal allocating a portion of those funds to Big Business.

The proposed bill funnels $50 billion to airlines, $8 billion to cargo air carriers, and $150 billion for other “distressed businesses” — a category it leaves notably undefined. But companies have no interest in leaving the definition of “severely distressed business” up to Treasury. —Lauren Hirsch

10:04 am: S&P 500 could post record highs early next year, JPM says

The S&P 500 could return to record highs by early next year if U.S. efforts to contain the coronavirus outbreak work and the government can quickly move forward with fiscal stimulus to cushion the impending economic blow, JPMorgan‘s chief U.S. equity strategist said Friday. Dubravko Lakos-Bujas wrote in a note to clients he expects the S&P 500 to reach 3,400 in early 2021. That would top an all-time high of 3,386 set on Feb. 19. —Fred Imbert

9:19 am: German cases rise by more than 2,000

The number of confirmed coronavirus cases in Germany has risen by 2,705 within a day to reach 16,662, the Robert Koch Institute for infectious diseases said on Saturday.

It said a total of 47 people had died after testing positive, an increase of 16 from a tally of 31 published on Friday. —Reuters

8:30 am: WHO offers tips for living under quarantine

Don’t smoke, limit drinking, exercise and try not to watch too much news.

These are some of the recommendations from the World Health Organization to stay physically and mentally healthy while living under quarantine. The new coronavirus that originated in Wuhan, China less than three months ago has spread to more than 300,000 people in nearly every country across the world.

More than 100 million people across the world are living under some form of social confinement as public officials struggle to contain the COVID-19 outbreak that’s already claimed more than 12,000 lives. —Dawn Kopecki

8:15 am: Hospitals seek emergency credit and $100 billion in US aid

Medical workers and other officials gather outside of the Brooklyn Hospital Center where testing for the coronavirus has started on March 19, 2020 in the Brooklyn borough of New York City.

Spencer Platt | Getty Images

U.S. hospitals are setting up coronavirus wards and tents, seeking emergency credit lines and lobbying Washington for a $100 billion stabilization fund to help meet an expected onslaught of patients as the pandemic sweeps the nation.

“We believe hospitals and health systems should be top priority number one for the Congress, at this moment,” said Robyn Bash, vice president for government relations at the American Hospital Association.

The AHA estimates that some hospital systems are losing up to $1 million a day, and the costs are mounting. In many states hospitals have been forced to cancel all elective surgeries, along with non-emergency procedures which generate higher revenues for their facilities. At the same time, they are ramping up staffing to handle the expected influx of acute care patients and spending on as much acute care equipment as they can find. —Bertha Coombs

7:43 am: Confirmed cases in Spain nears 25,000 as more than 1,300 people die

The Spanish health ministry said Saturday that 1,326 people had now died from the coronavirus in the country, a rise of 324 on the day before. The total number of confirmed cases now stands at 24,926.

It comes after Isabel Diaz Ayuso, the president of the region of Madrid, said Friday that the majority of people in Spain’s capital city will get the coronavirus. Speaking to state radio Thursday, she said eight out of 10 people in the city would contract COVID-19.

Spain is second only to Italy for coronavirus-related cases and deaths in Europe, which has become the epicenter of the outbreak. The WHO has advised all countries to adopt a mix of interventions based on an analysis of the local situation and context, with containment as a major pillar. —Katrina Bishop and Sam Meredith

6:21 am: Iran’s death toll tops 1,500 as confirmed cases in the country continue to rise

The number of people who have died from the coronavirus in Iran has reached 1,556 — a rise of more than 100, a health ministry spokesman said on Saturday, Reuters reported.

Speaking on state TV, Kianoush Jahanpour said the total number of confirmed cases was now at 20,610.

Iran has the fifth-highest number of cases of the virus in the world, according to data compiled by Johns Hopkins University. It comes behind China, Italy, Spain, and Germany.

Iran’s President Hassan Rouhani said Saturday that the country had to “do everything necessary to return economic production to normal,” Reuters reported. Rouhani said that social distancing measures would likely be lifted in two-to-three weeks. —Katrina Bishop

2:40 am: Starbucks to shut most cafes in US and Canada

Starbucks said it will close most company-operated cafes across North America for two weeks, and service will be limited to drive-throughs, in helping to slow the spread of the virus, according to a Reuters report.

Cafes in or near hospitals and health care centers will be exempted from closing, it said. —Weizhen Tan

Source link

from WordPress http://justtoosilly.com/2020/03/21/new-jersey-shuts-down-nonessential-businesses/

#Business

0 notes

brassring2020 · 6 years

Text

AYA Analytica financial health memo December 2017

As of December 2017, this regular podcast is available on our Andy Yeh Alpha fintech network platform.

Business titans often step away from their urgent work, slow down, and invest in self-enrichment. Despite having way more responsibility than anyone else, top business titans such as Warren Buffett, Charlie Munger, and Oprah Winfrey often step away from their urgent work, slow down, and invest in free activities such as reading non-fiction books with long-term payoffs in greater knowledge, creativity, and energy. As a result, these top performers achieve less in a day at first, but drastically more over the course of their lives. Like compound interest, this wise investment is *compound time* because a small investment yields surprisingly large returns over time. This idea echoes Ben Franklin and Paul Tudor Jones. An investment in knowledge pays the best interest; and intellectual capital will always trump financial capital. These world-famous investors and billionaires share 5 key hacks for leading a productive and efficient lifestyle with frugal habits and norms. Hack #1: Keep a journal of key daily accomplishments. Hack #2: Take a nap to enhance memory and creativity. Hack #3: Walk 15 minutes per day for better relaxation. Hack #4: Read non-fiction books to sharpen the saw. Hack #5: Interact with conversation partners.

Tony Robbins summarizes several personal finance and investment lessons for the typical layperson. Tony Robbins summarizes several personal finance and investment lessons for the typical layperson: We cannot beat the stock market very often, so it would be better to invest in passive buy-and-hold index funds. We need to diversify investment portfolios across asset classes, financial markets, and international currencies to reap better reward-to-risk ratios. We should focus more on quantitative fundamental long-term alpha signals rather than myopic technical trends. The primary fundamental alpha signals are size, value, momentum, market risk, asset investment growth, and operating profitability. The typical investor should envision a multi-year investment period to earn dividend yields and capital gains over a sufficiently long time horizon. Most of the typical U.S. retiree's terminal wealth depends on how he or she accumulates passive income in contrast to his or her salaries and bonuses.

This infographic visualization summarizes the key habits and investment styles of highly successful entrepreneurs. From Oprah Winfrey to Bill Gates, this infographic visualization summarizes the key habits and investment styles of highly successful entrepreneurs: Bill Gates (Founder of Microsoft), Warren, Buffett (CEO and Chairman of Berkshire Hathaway), and Oprah Winfrey (CEO and Chairwoman of Oprah Winfrey Network) read a lot. Gates reads a book per week on average. Mark Zuckerberg (Facebook Founder) minimizes day-to-day choices with a strict daily routine in order to think the most important ideas. Also, Elon Musk (CEO of Tesla and SpaceX) thinks and schedules his day in 5-minute blocks. Richard Branson (Founder of Virgin Group) wakes up at 5am to play some sport every day. Tyra Banks (Former Model) recommends working out to entertainment that inspires one to make exercise a habit. Moreover, Mark Cuban (Owner of Dallas Mavericks) plays basketball and/or takes aerobic classes on a daily basis. Sheryl Sandberg (Facebook COO) teaches women to empower themselves by leaning in professionally to take leadership positions. Peter Thiel (Paypal Founder) challenges everyone to accomplish his or her 10-year plan in the next 6 months. Thomas Edison and Steve Jobs exhibit the valuable quality of tenacity and perseverance to never give up.

Warren Buffett points out that it is important to invest in oneself with better interpersonal communication. Warren Buffett points out that it is important to invest in oneself. Learning about oneself empowers him or her to lead a meaningful life. This valuable investment should focus on better communication that leads to exponential returns. Buffett mentions Dale Carnegie's timeless bestseller, "How to win friends and influence people", which emphasizes the importance of speaking confidently to express one's own thoughts and ideas in public. This skill enables Buffett to sell stocks more easily when he has to do so later in his financial career. Another important life lesson from Carnegie suggests that one should never engage in a hot debate with others. A hot debate not only alienates both sides but also reinforces each other's strong views and opinions. It is more important to learn to be cooperative and collegial with others. Close collaboration and teamwork can accomplish much more than personal warfare, retaliation, and conflict entrenchment. We should learn these wise life lessons to be open and positive in a broader team context where every team player wins. Trust trumps disagreement in most positive interpersonal interactions.

Disney acquires 21st Century Fox in a $52 billion landmark deal. Disney acquires 21st Century Fox in a $52 billion landmark deal. This deal has a total value of about $66 billion while Disney assumes $14 billion of Fox's net debt. Bob Iger will remain Disney's CEO and key chairman to oversee this mega media integration until December 2021. In fact, the resultant Disney-Fox M&A deal will give Disney more media content when Disney launches its own video streaming service on demand. The Economist suggests that as the Mouse acquires the Fox, this mega media deal will accelerate Hollywood's modern transformation from a film capital to a video streaming service town. Disney's ambitious acquisition of Fox and its own affiliates remains subject to approval by their shareholders and regulators, and this acquisition combines Disney and Fox as powerful film studios. Franchises such as Avatar and X-Men will join Disney's formidable library of Marvel titles, Pixar animation hits, and Star Wars films. In addition, Disney gains dozens of cable networks to add to its own collection, as well as Fox's equity stake in Sky, a European satellite broadcaster. CNBC and CNN both report that if U.S. antitrust laws approve this mega media deal, it means stiffer competition for video streaming service providers such as Netflix, Amazon, and YouTube. As a consequence, film viewers and consumers benefit much from better content distribution and scale in this broad horizontal consolidation across the media industry landscape.

Fed Chair Janet Yellen confirms with her successor Jerome Powell the final interest rate hike in December 2017. Federal Reserve raises the interest rate by 25 basis points to the target range of 1.25% to 1.5% as FOMC members revise up their GDP estimate from 2% to 2.5%. These relevant monetary policy events unravel in response to the Yellen legacy and the Trump administration's accommodative fiscal stimulus. Although U.S. inflation gets a modest boost from 1.6% to 1.7%, this current forecast for 2018 remains below the 2% neutral target. Furthermore, FOMC members note that the labor market continues to improve near full employment. This upgrade suggests that most state-specific job conditions will further strengthen in 2018. As Fed Chair Janet Yellen confirms with her successor Jerome Powell the final interest rate hike in December 2017, she has left a key monetary policy legacy in U.S. history. She has successfully steered the U.S. economy out of the global financial crisis of 2008-2009, and has applied her dovish acumen to normalize U.S. monetary policy post-QE to attain full employment, low inflation, and sound financial stability. Powell should thank Yellen for this benign inheritance at the Federal Reserve.

Fed Chair Janet Yellen says the current high stock market valuation does not mean overvaluation. Fed Chair Janet Yellen says the current high stock market valuation does not mean overvaluation. A stock market quick fire sale would pose minimal risk to the economy and the macroprudential system. During her final Federal Reserve press conference, Yellen says the prime metrics such as the forward aggregate stock market P/E and P/B ratios are on the high end of historical ranges when the Fed warns that asset prices appear to be high. In fact, the low-interest-rate economic environment is supportive of higher stock prices and home prices. In this context, there is a reasonable balance of financial risks that manifest in the form of less worrisome levels of both bank leverage and private credit growth. A recent Project Syndicate op-ed article sketches the key reasons for U.S. stock market rational exuberance such as better economic growth with low inflation, monetary and fiscal stimulus, full employment, and higher net income in both the household and corporate sectors. As the world economy skyrockets on all cylinders in America, Europe, and China with robust economic growth since the global financial crisis of 2008-2009, U.S. inflation remains below the 2% target, unemployment is less than 5%, and monetary policy normalization continues at a moderate pace. Federal Reserve shrinks its balance sheet post-QE, finishes the full course of 3 interest rate hikes in 2017, and then expects another around of 3 to 4 rate increases in 2018. The current 7-year uptick in U.S. corporate net income typically precedes the European and Asian counterparts in subsequent episodes. All of these reasons help justify the current Trump stock market rally as rational exuberance and optimism.

The Federal Communications Commission (FCC) considers its majority vote to dismantle net neutrality rules. The Federal Communications Commission (FCC) has decided its majority vote to dismantle rules and regulations of most Internet service providers (ISPs) that connect consumers to the Internet. Deregulation grants broadband firms power to potentially reshape Americans' online experiences. FCC has scrapped the "net neutrality rules" that previously prohibited ISPs from blocking websites or charging for higher-quality service or specific content. This net neutrality idea means that ISPs treat all web traffic the same. By dismantling these rules to view ISPs as "information service providers", the government will no longer regulate Internet delivery as if it were a public utility such as telephone. The FCC action reverses the FCC's 2015 decision, which was made during the Obama administration, to impose stronger oversight over broadband providers as U.S. residents have migrated to the Internet for most online communication. Removing net neutrality rules reflects the view of the Trump administration and the new FCC chairman that this deregulation will eventually help promote better telecom innovation and infrastructure for ISPs to cover more suburban and rural areas. Now broadband firms such as Verizon, Comcast, AT&T, and Charter will be able to price various online activities that use bandwidth at difference rates. Since video takes up more bandwidth than text and imagery, ISPs may charge more. Dismantling these rules may harm tech giants such as Facebook, Google, Amazon, Netflix, and Spotify etc. These large tech firms may be worse off while consumers may or may not receive fair and open online access to all websites.

Michael Bloomberg criticizes that the Trump administration's tax reform is a trillion dollar blunder. Michael Bloomberg, former NYC mayor and media entrepreneur, criticizes that the Trump administration's tax reform is a trillion dollar blunder because it adds another $1.5 trillion federal budget deficit to government debt over the next few years. The corporate tax cuts may restrict the U.S. government's ability to invest in education and infrastructure, may render health insurance more expensive, and may have no impact on real wage growth. Harvard public finance professor Martin Feldstein, however, says this tax overhaul is worth its costs because U.S. corporations will use their tax cuts to boost real wages and capex investments, and these firms will repatriate $2.5 trillion offshore cash to invest in job creation, manufacturing automation, and R&D innovation. In line with some economists' op-ed articles and blog posts on the probable effect of the Trump corporate tax cuts on real wage growth, a firm invests up to the point that the after-tax return on its labor and capital investments equates the return that investors require to allow the firm to expand its factor inputs. As the firm receives income tax breaks, it finances the purchase of new machines, plants, and computers. These capital expenditures make the typical worker more productive. Then the firm wants to hire more workers to run the new machines and computers etc. As a result, the typical firm raises real wages until the economy restores its steady state. Hence, tax cuts can effectively boost real wage growth ceteris paribus.

Tech titans from Apple and Amazon to Microsoft and Google can benefit from the G.O.P. tax reform. Large multinational tech firms such as Facebook, Apple, Microsoft, Google, and Amazon can benefit much from the G.O.P. tax reform. A recent stock research report assumes the effective U.S. corporate income tax rate declines from 35% to 21%-22% in January 2018 with no subsequent changes in international taxes and all other aspects of the U.S. tax legislation. Specifically, Google will receive tax benefits of more than $2 billion in 2018, Facebook expects to attain tax cost reductions of $1.5 billion, and Amazon will enjoy about $1 billion in tax credits. Also, these tech firms plan to expand their capital expenditures with preferential tax provisions in the Trump administration's current tax reform. Overall, these tech firms can expect to achieve hefty tax benefits in the range of $4.5 billion to $5 billion in the 5-year period from 2018 to 2022. Harvard macrofinance professor Greg Mankiw entertains a key policy question: how much would the average real wage rise for each $1 decrease in the typical firm tax outlay ceteris paribus? The answer is likely to be $1.5 to $2 in real wage terms for each $1 tax cut, or equivalently $4,000 to $ 9,000 per capita per year. Several eminent economists such as Brad DeLong, Larry Summers, and John Cochrane suggest that if we take into account positive externalities and positive returns to the scale of capital usage, the resultant real wage increase can turn out to be higher. An open controversy clouds the fundamental view of whether these massive tax cuts may exacerbate fiscal inequality in America.

Andy Yeh Alpha (AYA) AYA Analytica financial health memo (FHM)

AYA Analytica is our online regular podcast and newsletter about key financial news, market insights, economic issues, and stock investment strategies on our Andy Yeh Alpha (AYA) fintech network platform. With both American focus and international reach, our primary and ultimate corporate mission aims to help enhance financial literacy, inclusion, and freedom of the open and diverse global general public. We apply our unique dynamic conditional alpha investment model as the first aid for every investor with profitable asset investment signals and portfolio strategies. In fact, our AYA freemium fintech network platform curates, orchestrates, and provides proprietary software technology and algorithmic cloud service to most members who can interact with one another on our AYA fintech network platform. Multiple blogs, posts, ebooks, analytical reports, stock alpha signals, and asset omega estimates offer proprietary solutions and substantive benefits to empower each financial market investor through technology, education, and social integration. Please feel free to sign up or login to enjoy our new and unique cloud software services on AYA fintech network platform now!!

Please feel free to follow our AYA Analytica financial health memo (FHM) podcast channel on YouTube: https://www.youtube.com/channel/UCvntmnacYyCmVyQ-c_qjyyQ

Please feel free to follow our Brass Ring Facebook to learn more about the latest financial news and stock investment ideas: https://www.facebook.com/brassring2013

Free signup for stock signals: https://ayafintech.network

Mission on profitable signals: https://ayafintech.network/mission.php

Model technical descriptions: https://ayafintech.network/model.php

Blog on stock alpha signals: https://ayafintech.network/blog.php

Freemium base pricing plans: https://ayafintech.network/freemium.php

Signup for periodic updates: https://ayafintech.network/signup.php

We create each free finbuzz (or free financial buzz) as a blog post on the latest financial news and asset investment ideas. Our finbuzz collection demonstrates our unique American focus with global reach. Each free finbuzz provides deep insights into numerous topical issues in global finance, stock market investment, portfolio optimization, and dynamic asset management. We strive to help enrich the economic lives of most investors who would otherwise engage in financial data analysis with inordinate time commitment.

Please feel free to forward our finbuzz to family and friends, peers, colleagues, classmates, and others who might be keen and abuzz to learn more about asset investment strategies and modern policy reforms with macroeconomic insights.

Do you find it difficult to beat the long-term average 11% stock market return?

It took us 20+ years to design a new profitable algorithmic asset investment model and its attendant proprietary software technology with fintech patent protection in 2+ years. AYA fintech network platform serves as everyone’s first aid for his or her personal stock investment portfolio. Our proprietary software technology allows each investor to leverage fintech intelligence and information without exorbitant time commitment. Our dynamic conditional alpha analysis boosts the typical win rate from 70% to 90%+.

Our new alpha model empowers members to be a wiser stock market investor with profitable alpha signals!! This proprietary quantitative analysis applies the collective wisdom of Warren Buffett, George Soros, Carl Icahn, Mark Cuban, Tony Robbins, and Nobel Laureates in finance such as Robert Engle, Eugene Fama, Lars Hansen, Robert Lucas, Robert Merton, Edward Prescott, Thomas Sargent, William Sharpe, Robert Shiller, and Christopher Sims.

Andy Yeh Alpha (AYA) fintech network platform serves as each investor's social toolkit for profitable investment management. AYA fintech network platform helps promote better financial literacy, inclusion, and freedom of the global general public. We empower investors through technology, education, and social integration.

Andy Yeh AYA fintech network platform founder Brass Ring International Density Enterprise (BRIDE)

We should not conform to this world, but we should allow the renewal of our minds to transform us, so that we can prove what is the good, acceptable, and perfect will of God. Romans 12: 2

#stock market

0 notes

zipgrowth · 6 years

Text

As the Higher Ed Opportunity Act Turns 10, Here’s How the Landscape Has Changed

Ten years ago, on August 14, 2008, President George W. Bush signed into law the 2008 Higher Education Opportunity Act (HEOA), the last comprehensive reauthorization of the Higher Education Act (HEA). This took place during the buildup to a financial crisis that ultimately cost 8.7 million American jobs.

Now, with mounting college costs and loan defaults raising questions about financial security and employability in a fast-moving economy, the students of 2018 expect a return on their investment in exchange for the cost of going to college. In 2008, we worried about losing savings, and major banks and automakers going out of business. Today, we worry about the effects of automation and disruption, and whether workers will have adequate skills for the jobs of tomorrow.

While the same law is on the books, much has changed in the country and in the higher education sector, and HEA is long overdue for another reauthorization. In no particular order, here’s a look back at ten key trends that have impacted the world of higher education since the last HEA reauthorization in 2008.

1. Performance Focus

A decade ago, the major debates in higher education while reauthorizing HEA centered on affordability, accessibility and transparency around the net price of college. Even illegal internet file-sharing on college campuses received major attention. (Spotify wouldn’t be introduced in the U.S. until 2011!)

But higher education’s more recent, concerted push toward a focus on student outcomes and completion was really just beginning. Since 2008, key associations, foundations, states and institutions nationwide have embraced a shift in increasing access and ensuring success. States have moved to strengthen performance-based funding models and reward institutions for the student outcomes they produce, instead of simply enrollment. Outcomes-based policy will be a fixture of the upcoming debate over the future of federal higher education accountability.

2. Data Destiny

The 2008 reauthorization of the Higher Education Act took a historically consequential step by banning the linkage of student-level data with federal earnings data. Though some advocates believe this would lead to better consumer information and transparency about the return on investment for college, the linkage was banned because of differences over student data privacy and how big a role the federal government should play in higher education.

Between mounting college costs and a renewed focus on accountability and outcomes, policymakers and advocates are taking a close look at how colleges and universities could put more skin in the game.

While the ban on a federal student-level data network still stands, data is at the forefront of the work that institutions, states and researchers are doing to improve student outcomes. A growing chorus of higher education organizations are now backing legislation to overturn the ban so students and families can have better information about which higher education institution and program is the best fit for them, while still ensuring that student privacy is protected.

3. Alternative Providers: Hype or Hope?

In the decade since HEOA passed, the world of technology and learning has been in a state of constant change. New pathways, providers and delivery models have emerged with the potential to serve a wider range of students in ways that may be less costly and more directly tied to in-demand skills. Supporters of innovation have championed approaches like digital badges, alternative credentials, competency-based education (CBE), and work-based learning for the convenience, flexibility, and efficiency they have to offer. Now, the debate is centered on whether short-term, skills-based programs can offer a rigorous, high-quality enough education to live up to their full potential.

4. Bootcamps on the Ground?

Speaking of alternative providers, short-term skills training and bootcamps have been a topic of conversation in higher ed for the condensed educational courses they offer focused on skills connected to in-demand jobs. The most widely-recognized bootcamps are “coding bootcamps” that teach STEM-focused skills that are needed to diversify and fulfill current technology jobs. The industry has also courted some controversy, too, with some bootcamps sued for not living up to lofty “job guarantees” or going out of business. Still, accelerated learning and skills training, along with other new models, promise to be an important part of the policy conversation.

5. Free College: Showing ‘Promise’?

With tuition cost increases far outpacing the cost of inflation, and federal student loan debt topping $1.5 trillion, the cost and value of college has become a top consumer issue for higher education. Calls for tuition-free college and enhanced student loan forgiveness have become a growing part of the national discourse around higher education policy, with members of Congress and recent presidential candidates endorsing the idea and several states even moving forward to make public colleges and universities tuition-free for in-state students. For example, the Tennessee Promise program provides two years of tuition-free attendance at a community or technical college for high school graduates.

While it’s unclear whether or not, and how, “College Promise” proposals could work at the federal level and what the cost to taxpayers would be, the proposals have made their mark on the debate.

6. Pell for All Seasons

While the traditional academic calendar begins in August and ends in May, today’s students are increasingly adults, parents and full-time workers who learn year-round. While passed as part of the 2008 reauthorization, year-round or “summer” Pell was first implemented in the 2009-2010 academic year. The original intent was to provide grants to students who had already used up their Pell Grants for the school year, but wanted to take additional courses.

Outcomes-based policy will be a fixture of the upcoming debate over the future of federal higher education accountability.

Congress eliminated year-round Pell in 2011 due to rising costs, but later restored year-round Pell benefits in 2017—a significant acknowledgement that today’s students need greater flexibility and financial support to complete their degrees. Today, there are even proposals to create “workforce Pell” grants that would enable working adults and other students to use federal student aid for short-term credentials and certificates.

7. Apprenticeships: An Oldie but a Goodie?

Their origins may date back to the Middle Ages, but apprenticeships are getting a fresh look in national policy conversations with interest from Trump administration officials, support from bipartisan members of Congress, and proposals to expand them in Democratic and Republican reauthorization bills. With students, employers and policymakers clamoring for more direct pathways between education and employment, there has been a 20 percent increase in apprentices since 2008. Advocates are optimistic that in today’s workforce, apprenticeships can provide stronger guarantees of relevant, on-the-job training and help close skills gaps.

8. Gainful Employment Rules

Using existing requirements under HEA, Department of Education officials first established “gainful employment” regulations as a mechanism to hold for-profit institutions and some technical colleges accountable for the employment and earnings of their graduates in 2010. However, in 2017, the Trump administration delayed enforcement of the rule and recently proposed repealing it completely, leaving the fate of this important accountability measure in serious doubt.

9. ‘Skin in the Game’

With today’s high borrowing and default levels, students and families sooner or later feel the bite of the high cost of college. Between mounting college costs and a renewed focus on accountability and outcomes, policymakers and advocates are taking a close look at how colleges and universities could put more skin in the game.

Under the current system, students and taxpayers are on the hook when it comes to poor return on investment for student loans, while colleges and universities only feel the effects if large numbers of students default over several years. Finding a balance between individual responsibility and institutional accountability figures to be a key part of the national debate around higher education finance moving forward.

10. Income-driven Headaches

The idea of income-driven repayment—or allowing students with lower earning power to repay loans at a slower pace without penalty—is not new. Income-driven repayment program first became available to borrowers in 1994 as “income-contingent repayment” (ICR) and has since been expanded several times. In 2009, the “original income-based repayment” (IBR) became available for borrowers, and 2014 brought “new IBR”. Now there are currently four plans on the books, each with different requirements and repayment rules.

But income-driven repayment has become an issue as borrowers have found the process for applying to be cumbersome. Each year they must re-enroll and recertify their income to meet the program’s eligibility requirements. Congress may take up proposals to simplify to a standard repayment plan that automatically places all borrowers in the program.

As the Higher Ed Opportunity Act Turns 10, Here’s How the Landscape Has Changed published first on https://medium.com/@GetNewDLBusiness

0 notes

democratsunited-blog · 6 years

Text

NYT Pens Laziest Possible Takedown of Democratic Socialism - July 9, 2018

https://uniteddemocrats.net/?p=5614

NYT Pens Laziest Possible Takedown of Democratic Socialism - July 9, 2018

Two weeks after Alexandria Ocasio-Cortez‘s surprise victory over a low-profile yet powerful 10-term incumbent, she’s become a symbol of the bottom-up, post-Bernie transformation of the Democratic Party. It feels premature, but it’s not. Having beaten the reasonably progressive machine pol Joe Crowley in the June primary, she’s now running in an overwhelmingly Democratic district that encompasses parts of Queens and the Bronx — it backed Clinton over Trump by 77-20 — she’s virtually assured of victory over token Republican opposition in the November general.

In four months, Ocasio-Cortez will become the youngest woman ever elected to Congress, and she will have done so on a platform of democratic socialism, calling for a carbon-neutral energy system in less than 20 years, the abolition of ICE, free college tuition, and a $15 living wage.

Naturally, this has brought out the laziest, more condescending possible regurgitations of conventional wisdom, about how she only won because she promised “free stuff” or how the only thing that propelled her victory was tribalism (i.e., she’s of Puerto Rican descent, and her majority-Latino district finally voted against its entrenched white-male incumbent for that reason alone). None of that is true. In fact, the areas of Ocasio-Cortez’s future district that voted for her most strongly are ones with diverse populations. And if anyone’s doling out free stuff, it’s the Republican Party, whose giant vortex of red ink masquerading as some sort of tax reform will punch us all in the nose sometime in the next few years.

But over the weekend, The New York Times‘ Bret Stephens penned what might be the ultimate in wrote-it-with-one-eye-open-while-brushing-his-teeth concern trolling. In “Democratic Socialism Is Dem Doom,” Stephens launches an intellectually indefensible broadside against Ocasio-Cortez that goes out of its way to mischaracterize her as a neophyte who has no idea what she’s saying or doing. Yes, she’s 28 and until recently tended bar in the Bronx, but she’s also a runner-up in the Intel Science Fair who interned with Sen. Ted Kennedy, founded a publishing firm, and holds a degree in economics from Boston University. Stephens, a climate-change skeptic and neocon whom the NYT hired away from the Wall Street Journal‘s conservative op-ed page in a bizarre effort to diversify itself post-Trump, mentions none of this.

Calling her program “hemlock for the Democratic Party,” and arguing that ” ‘Democratic socialism’ is awful as a slogan and catastrophic as a policy” Stephens says that it always leads to disaster. Which disasters? He ticks off three obscurities: Israel in the 1980s, India in 1991, and Sweden in 1992. In other words, Stephens can’t furnish an example of a financial crisis from the last 25 years that can be attributed to democratic socialism, although two very large ones come to mind. The Great Recession of 2007-08 started as a housing crisis and grew into a massive banking catastrophe that nearly took down the world economy because financial institutions were essentially writing their own regulations, and the European debt crisis that grew out of it worsened after German Chancellor Angela Merkel insisted on dosing those profligate Greeks and Spaniards with some heavy-handed austerity.

After two colossal failures of neoliberal capitalism in a decade, is it any wonder that young people clamor for change or that people respond to it with enthusiasm?

It’s almost as if… my platform advances policies… that are already proven to work! 🤔

– Social Security (lift the cap) – Medicare (for all) – Tuition-Free K-12 schools (& higher ed) – Federally mandated minimum wage ($15)

They aren’t all my ideas. But they ARE good ideas! pic.twitter.com/2tOLgCkj34

— Alexandria Ocasio-Cortez (@Ocasio2018) July 8, 2018

Stephens then trots out the boogeyman du jour, Venezuela, ostensibly because a decent wage for working Americans is the road to Carácas. Never mind that Venezuela is an authoritarian petrostate with endemic corruption whose former strongman, Hugo Chavez, initially won election as a reaction by desperate people against a cosseted upper class. (Never mind also that he survived a U.S.-backed coup and that his successor is an erratic kook with no respect for rule by law, and who thinks he communes with Chavez in the form of a little songbird.) What’s happening in Venezuela is tragic, but if conservative columnists worry about American decline, they should probably theorize about different avenues of corruption-fueled collapse right about now.

The temptation is to do a line-by-line run-down of Stephens’ fatuous comparisons and overall foolishness. “Fisking,” they used to call it, back in the circa-2004 golden age of blogging. That’s annoying and heavy-handed and I’m not going to do it. But apart from howlers like Stephens calling the U.S. welfare state “robust” — seriously? — the fundamental problem with this column is its insincerity. Why should anyone take a conservative seriously when they proclaim that this or that is good or bad for the Democratic Party? Why should we believe what they say? Desperate to delegitimize a fresh new adversary as a trendy frivolity unaware of the danger of her ideas, Stephens ignores two ways in which Ocasio-Cortez threatens the money-choked power structure: her refusal to accept corporate funding, and her eagerness to rebuild a decimated Democratic Party.

If you think the GOP is terrified of my politics now, just wait until they find out about public libraries.

— Alexandria Ocasio-Cortez (@Ocasio2018) July 5, 2018

Try to read these two sentences without shuddering at the smugness and borderline-incomprehensibility: “If Trump is the new Nixon, the right way to oppose him isn’t to summon the ghost of George McGovern. Try some version of Bill Clinton (minus the grossness) for a change: working-class affect, middle-class politics, upper-class aspirations.”

What exactly does that last phrase even mean, and how does it not apply to Alexandria Ocasio-Cortez? Didn’t we literally just try another middle-of-the-road, aspirational Clinton like 20 months ago and end up in a fascist dystopia? The New York Times paints itself into this corner a lot, because its house brand of “conservative” tends to be a glib, contrarian Never-Trumper-lite who occupies the outermost boundary of acceptability to its liberal readership. They’re never going to hire an Eric Erickson or a Milo Yiannopoulis — which is good, because people that malevolent don’t deserve any more media oxygen. But, however regrettably, such figures are much closer to the soul of contemporary conservatism, in all its fact-free xenophobia and noxiousness. So in its endless pursuit of ideological balance, the Times defaults to predictable socialist-bashing. The same centrists and guardians of savvy who demand Trump be given a chance or the benefit of the doubt are on the attack like never before. Why? Because the idea that the rules may be rewritten to favor the less powerful, the young, the non-white is gaining strength.

70 years ago: Jobs Guarantee, Universal Healthcare & Housing as a Right were all championed by the President of the United States.

In fact, our campaign incorporates the legacy of 2 US Presidents.

FDR‘s Economic Bill of Rights includes Right to Education, Fair Income & more. https://t.co/OTMaXmiENA

— Alexandria Ocasio-Cortez (@Ocasio2018) July 7, 2018

The Times‘ failure to notice Ocasio-Cortez until after she won the primary was so egregious that deposed former editor-in-chief Jill Abramson scolded the paper in no uncertain terms. And now it’s coming for her. But poorly argued socialist-bashing that consists entirely of alarmism tinged with I-can’t-believe-I-even-have-to-explain-this impatience reveals only one thing: fear. It’s the inverse of the fear that seizes progressives when we see Nazis marching with torches and children in cages. So welcome to the club, Bret Stephens! We invite you to show us a way out of this mess that doesn’t involve restoring power and prestige to the very people and institutions that have caused such intractable poverty and mass disillusionment.

Meanwhile, and tentatively speaking, the politics of the youthful Ocasio-Cortez, who was born four days before the 1989 Loma Prieta earthquake, represent a viable, alternative path. Without causing her shoulders to buckle under the weight of all our hopes and our expectations before she even takes office, every single person with reservations about Trumpism should cheer her on — if only to see how the experiment turns out. The Bret Stephenses of the world can tut-tut about the naivete of optimism and change all they want. But just because you’re convinced a better world than this is not even possible doesn’t mean you’re the only adult in the room.

Read full story here

#Democrats

0 notes

shamelessmilkshakepanda-blog · 6 years

Text

How much is the insurancwe difference on a v6 and gt 04 mustang?

"How much is the insurancwe difference on a v6 and gt 04 mustang?

im probably not gonna insure it to thwe hill just the necessity car damage and personal injury

BEST ANSWER: Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr

RELATED QUESTIONS:

Which car insurance is the cheapest and the best of all?

I know there are alot of car insurance out there and I want to know which one is cheap and reliable. I heard Geico is good, can someone confirm it, are there any other good one besides Geico?""

""Would insurance be more expensive for a Nissan Sentra, or a Ford Fiesta?""

I live in Pa, either car I get will be financed. I got an offer for the Sentra for 72 Months for $275 a month, and the lowest car insurance for that would be $180 so far for that. I did not yet go out to look for a Ford Fiesta, but from what I hear they are less expensive on car insurance. I aparently have til Monday to give the Dealers my decision before the deal drops which I highly doubt , I think they were just telling me that to pressure me into making a quicker decision/mistake. Please give me your advise. Can they really only give me a certain amout of time for the offer? They claimed it had to do with other customers possibly taking any of the money toward loans from the banks... I am new at this stuff and what is more expensive to have insurance on?""

How can I see a doctor without insurance?

I really can't afford to go lately and don't see any foreseeable future in which I could afford it. My job doesn't offer insurance. and I really think I ought to speak with a Dr. about dual diagnosis issues

""Just a stab in the dark, anyone care to share what their insurance cost is on a Honda S2000?""

I'm looking at 2002 S2000. I m 36, good clean driving record.""

Will full coverage car insurance cover a blown head gasket?

It still has enough oil in it (between E and F on the dip stick), I can just tell this is what it is because Oil is leaking down the driver side gasket and I'm noticing my coolant level beginning to drop. I just want to do something about it now before I keep driving it and completely blow the engine.""

Cheap car insurance for a 17 year old male?

I passed my driving test last month and did my pass plus last saturday. I'm now stunned to find that the lowest i've seemed to get my car insurance is 5000, I'm a full time 6th form student so how am I meant to pay that? Is there ANYWHERE where I can get cheap insurance for my car? (except gps box insurance with restrictions such as fines for going out past 11pm) any previous experiences? or recommendations? I understand that 17 year old males are higher risk to road users than others, especially newly qualified, but there must be some loopholes in the system which will enable me to get a cheap quote? Many thanks.""

Where to get cheap insurance for a young driver?

I'm 17 getting insured on my mums yaris 1.0, don't mind if it's got one of them box things that measures speed etc. Just wondering If anyone can recommend anyone they have used and have got a good quote from thanks Ed""

Do I need to buy car insurance if I am a tourist borrowing my friend's car which is insured?

I'm a tourist in the U.S, and I want to use my friend's car occasionally, her car is insured but my name is not on her insurance policy, do I need to be on it to be covered?, Also, in case an officer asks me to pull over, do I need to be on the car insurance or just show him the car is insured?""

Approx how much for car insurance for 18 year old to drive parents car?

I do not have my own car, but I have had my license since September, I have not driven since because I have no car nor insurance. I really want to drive again, it's hard for me to have just gotten my license and not being able to use it. However, I am not stupid, and would never even think about it without insurance. My mom says that I can drive my dads car when it is available if the insurance isn't too much. She emailed the woman who takes care of the insurance and she told my mom she wouldnt ask because they would automatically make them pay whether I would drive the cars or not. (We have 2) ANYWAY, I live in CT, and I cannot find anywhere that says how much it would cost approx a month in insurance for me to drive my Dads car (2010 Toyota Camry) Would really appreciate a response to this. :)""

Car insurance question?

I have been driving my boyfriend car to get to work and school and what not. His car is insured, but my name is not on the insurance. What would happen if i got pulled over and the cop saw my name was not on the insurance?""

Can 16 year old get public liability insurance?

Im 16 and hoping to get some public liability insurance as I'm planning to be working in beauty (waxing,nails,ect) with my cousin.""

A better way acquire an affordable health insurance to cover my family?

if I work for, say Pizza Hut as a part-time while I earn $65K/yr full-time job? I dont want to spend too much monthly payments on health insurance?""

Where the best place to get a good deal on cheap insurance?

I have a 98' cadillac sedan deville that I just paid off but i still want full coverge for it, if something would of happen to it.""

The course of insurance and risk management deals with what?

Works as who?

Estimate for car insurance for 18 year old?

I live in Houston tx, like the top said I am a 18 year old male, I have a 2012 ford mustang v6. It is paid off, and I want to sign over the car from my parents name to mine cause they live in a diffrent city but that means I would have to start paying for insurance. Which is fine but do any of y'all know about how much I would be paying. I will only want liability, or if I can afford it full coverage. I don't want to get quotes from the insurance companies themselves because after that they constantly email call and mail you stuff and its annoying. Anyways thanks for the help""

How much is a Car for a 17yo?

How much is a car, insurance, lessons, test, tax etc.... Everything! For a 17 year old Guy. Just for a cheap second hand car ie. Peugeot 106 (second hand) But how much will it all come to? Thanks""

Life insurance for police officers?

Can police officers get extended life insurance to cover death on the job? If so, how much - 5 million?""

Car insurance - UK

My provisonal license will be valid in 2 months when im 17 and once i take my driving test and pass it, i plan on getting a car. The thing is that insurance will be quite high as i would have just passed my test and im only 17. My question is: If i get the car and register it under my mums (or dads) name and put the insurance under their names would it be cheaper? Bear in mind that my parents have about 16 years of no claims bonusus too, thanx xxx""

Renault clio? first time insurance how to get it cheap?

looking at a clio 1999-2003 model any hints on how to get cheaper? got a quote for 4000 today!

Where do I but non car owner insurance?

I need to get my licence and here in NC they require you to have insurance to get your licence wher do I go to buy non car owners insurance at the best price?

How much is the Private Health Insurance?

$2 a month? $50 a month? Affordable rate? I can get braces, crown, root canal, bunion repair, fungal surgically remove from my toe nails, hair replacement for my future baldheaded husband, and all?""

Insurance Question/Quote?

My name is Jake and my grandpa wants to sell me is 2004 V6 nissan 350z for like next to nothing but i am curious as to how much my insurance payment would be?

IS THERE A LISTING OF CAR INSURANCE COMPNANIES?

Can I get an auto insurance policy for rental cars only?

I often rent cars and end up paying insurance. My credit card covers collision damage waiver (CDW) but not liability, which is required by law in states like California. Is there a policy I can get from an auto insurance company that will give me liability for a good price? I'm tired of paying $10/day for something I never end up using.""

Car Insurance in Georgia?

I just bought a new car, and I was wondering what does the state of Georgia consider to be full coverage auto insurance?""

San Jose California Cheap car insurance quotes zip 95122

HELP : ( I need dental coverage but I am a temp.Can anyone recommend insurance?!?

I'm having a really hard time finding an insurance company that are available to temps. Unfortunately I make too much to be eligible for medicaid, which is ironic because I don't make a lot of money! lol So any suggestions!? I really need to go to the dentist asap, I'm in a lot of pain :'(""

Car Insurance Question?

I'm going home for the holidays in December and want to borrow my dad's truck for the 3 weeks I'm there. Does my insurance policy (currently drive a Prius) cover me for driving my father's vehicle? Does his policy cover me driving his vehicle?

Will this affect my car insurance?

My car insurance took the money out of my account today and I completely forgot there wasnt enough money in there. But when I checked today I realized they did take the money out even though it put me in the negative. This is the first time ive ever done this. Will they cancel my insurance?

Car Insurance for 18 year old female?

Hiya! I am due to pass my driving test by my 18th birthday. Ive been doing some research and got quotes of minimum 6K and even one which was 12K. I don't understand how the insurance companies reckon people like me can afford that kind of money. Do you kbow any good insurers that will help me out? A maximum of 2,000 will be ideal! I have the car ready and sorted. Its a Toyota Yaris 2001 with a 1.1L engine. It is worth less than one grand. Sooooo.....""

Is it unsafe to get a home loan with no deposit?

I would really like to take advantage of the first home buyers grant but will not have a deposit in time. I have looked at no deposit home loans but have heard they can be dangerous. Is that true?

What is the best/cheapest car insurance for me?

im 16, and unfortunately my parents wont let me go under their insurance for the car ( i know that complicates things) but im hopeing that if i get my own car, and pay for my own insurance it wont be too expensive :( does anyone know what insurance company would give me the approx. lowest cost?""

""Where can l find low cost Dental care in Orange County,CA?""

I would like to find low cost dental care in O.C,but the one l find on the net is called Medical Discounts International,Inc, l don't believe it's a government program and l have my reservations. Is government programs better than private ones? Any agencies that are reliable and good? Thanks.""

Car Insurance Down Payment?

I just purchased a car insurance plan and there was a down payment necessary which was about double the plans monthly cost, it totaled about 270 total and the plan is 130 a month. I was wondering if the down payment I paid would go toward next months payment as well so I wouldn't have to pay for that month or would i eventually get my down payment back? Thanks in advance.""

Will Insurance goes up when I change my car motor?

i am trying to buy a car. but some cars are cheap when they changed out their motors. how much will the insurance go up if the motor is changed. and how much will the insurance go up if the car is modified?

Motorcycle insurance in ontario?

How much would Motorcycle insurance be for 16 year old male liveing in Ontario? I was thinking of getting an older ninja between the years of 1987 - 96. Just wondering how much it would be around . I tried an insurance quote online, but it didnt really turn out right. Thanks""

Car Insurance Advice - Florida Needed?

I have been going over my policy and lowered my PIP. I have a 9 yr old SUV so no comp and collision, I would like someone with insurance or legal experience to look over my coverage and tell me if sufficient. I am a home owner with no equity. I have no other assets other than an ROTH IRA and bank accounts with about $1000. or detailed coverage descriptions, hover over the associated below 2003 MITSUBISHI MNTROSPXLS Total Vehicle Premium: $466.00 Protects you and your passengers Bodily Injury Liability [Edit] Current Limit: $20,000/$20,000 $167.00 Property Damage Liability [Edit] Current Limit: $50,000 $136.80 Personal Injury Protection-Insured [Edit] Current Deductible: $1,000 Ded. $162.20 Personal Injury Protection-Insured & Relative [Add] Current: Not Carried Not Carried Personal Injury Protection -Insured with Excluded Work Loss [Add] Current: Not Carried Not Carried Personal Injury Protection -Insured and Relative with Excluded Work Loss [Add] Current: Not Carried Not Carried Additional Personal Injury Protection Insured [Add] Current: Not Carried Not Carried Additional Personal Injury Protection Insured and Relative [Add] Current: Not Carried Not Carried Medical Payments [Add] Current: Not Carried Not Carried Uninsured Motorist - Nonstacked [Add] Current: Not Carried Not Carried Uninsured Motorist - Stacked [Edit] Current Limit: I Reject this Coverage $0.00 Protects your vehicles 2003 MITSUBISHI MNTROSPXLS Comprehensive [Add] Deductible Not Carried Collision [Add] Deductible Not Carried Emergency Road Service [Add] Not Carried Rental Reimbursement [Add] Not Carried""

Can you cancel your car insurance for a month and the get it back?

I'm going out of state for like 3-4 weeks and I was wondering if there's anyway to stop your car insurance for just that month and then Get it back when I come back without having to pay for it since that's kind of a waste. I have allstate

What company has the very cheapest car insurance for Tennessee?

I just need the bare minimum insurance. Which is the cheapest?

Whos the cheapest car insurance companys for first time drivers?

Best health insurance for a young married couple?

My fiancee and I are doing some research on health insurance. What is the best kind to by? What should we be looking for? I take lexapro and birth control everyday. We are nonsmokers, full-time college students and fairly young. I'm about to turn 19 and he will be 20. How much should we expect to pay for health insurance? Can we still be on our parents health insurance after we get married? Anything would be great! We would love to have a plan that has good coverage. We aren't looking for the cheapest, just something to cover us. Thanks!""

Which auto insurance is cheapest in new orleans?

How much would the insurance cost on a 50 cc moped for an 18 year old?

I know that insurance can vary dramatically.....but it would be good if someone had a rough estimate...and are there and insurance compare sites that don't require the number plate of the bike and the liscence number and stuff ?

Insurance cancellation question?

I cancelled my old insurance with Access about 2-3 weeks ago and I was told I'd be receiveing and reimburstment check back from them since the policy had only been active for about 2 months. What's to average wait time on one?

Insurance for second car?

hello i ma a taxi driver with psv insurance my son has recently bought a car and wants me to put me down as the main driver to keep the premium as low as possible. what i want to know is can i have two policies one private and one psv???

How much would car insurance be for a first time driver ?

I'm getting my first car next month and i'm curious on how much car insurance will cost me ?

Is it possible to cancel car insurance mid policy?

In the UK. I am about to buy a new car and want to cancel insurance on my old car and get insurance from a different (cheaper) company for my new car. Is this possible?

Keep until expires or cancel car insurance?

My car has broken down for the last time. It is very old (1998) and very high mileage. I am deciding to sell it for parts and what I can get rather than sink any more money into it. Point of negative returns. I will be going carless for some time, taking the bus and using a car share program. That is just background though. Hoping to save the money, pay off other things and raise credit score to possibly qualify for a brand new one in the future. My question is about the auto insurance. I just renewed at the beginning of the year. So I have about 4 months left before the policy is done. I am making monthly payments. If I cancel now, will I still owe them for the entire policy amount - (can they come after me for it?) Or does it look better (when I go to get insurance in the future) that I keep paying on the policy until it expires in a few month (just not renew at that time). I don't want to spend money needlessly. However, I also want the best (least expensive) insurance rates when I need it in the future, and a good track record. Can anyone (especially if you are in the insurance industry) give me the straight scoop? Thanks and much appreciated.""

How much would motorcycle insurance cost for a 17 year old with a Kawasaki Ninja 250 in Texas?

Auto insurance question?

I'm 20 yrs old and I'm thinking of signing up with state farm auto insurance. I'm buying a car and i have none. So can someone tell me what I need, where I have to go, and what i have to do to get this done?""

What is grandfathered health insurance coverage?

I am trying to define the Health Care Reform Act of 2009 in plain English, and I keep coming across the phrase above. What does it mean?""

San Jose California Cheap car insurance quotes zip 95122

Home Owners Insurance?

My wife and I are planning on buying our first home and are currently shopping for mortgages. As a first time home buyer I am a little bit confused about a few things and I thought I just ask here :) One of the mortgages we looked at (online, from our CU) listed a Hazard Insurance Monthly in the Prepaids & Reserves section (which is part of the closing cost). - I am aware of the need of Homeowners Insurance, but does that include or exclude Hazard Insurance? - The monthly rate for Hazard Insurance was listed as $1,900. That seemed extremely high to me, so my question is: What is an average amount for Hazard Insurance (or Homeowners Insurance in general)? FYI: The home we are looking at is located in the SF Bay Area and will have a value of approx. $700,000. Any comment will be appreciated...""

Can I let somone drive my car who doesn't have insurance? [Ontario]?

So the law says you can let somone drive your car if they have a license. If they get into an accident the charges are on my insurance. Make sure that if you are loaning your car to someone else that you first verify their license or you may be without a car for 7 days while it is in impound. Ref: http://find-a-driving-school.ca/10-ontar But law also states that if you are driving you must have insurance ... right? So for example... can I let my bro drive my car even though he has his G2 and is not insured. What are the consequences? Thanks!

Temporary car insurance?

i am trying to get my boyfriend insured on my car for 1 week. there are many companies that do tempoary car insurance but i have been told that you can not have 2 policies on one car? i have Fully comprehensive car insurance but my insurers will not insure both of us on my car as we are under 25 so if i went with another insurance company who specialises in short term cover would this cover my boyfriend on my car?

Starting an insurance company in illinois?

So how would you do this and about how much would it cost? People were saying that it costs millions and millions of dollars. But if it costs that much then how would anybody ever be able to start one? Is it a good idea to start an insurance company or do you think that it probably would not be a success? Also, what is the difference between an insurance comany and an agency. do make a lot of money if you start an insurance agency?""

Health insurance for visitor from india?

Where can I get health insurance for a parent who is undergoing dialysis in India and wants to Visit the USA for a short term. Of course they will need to continue there treatments here while visiting. But we need some kind of assistance while they are here.

""I am self employed and shopping for an affordable health/dental insurance, any ideas?""

I need coverage without spending a fortune every month, no pre-existing conditions.""

What is some good cheap car insurance ?

I live in california! I'm 18 & my first car is going to be a used one.help n advice plzzz:)

How to get car insurance?

So I'm 16 and i just got my permit back in early March, and i need car insurance by March of next year in order to move up to a level 2 license ...... only thing is, my parents don't have licenses (they never did) what should i do?""

What would be the average pay for car insurance per month?

i am 18 years old and my parents dont want me on there car insurance because they dont want to be liable .what would be the average pay for car insurance per month if i went on my own for the first time?

How long will i be considered a high risk driver from an insurance policy lapse?

I was laid off due to my factory closing so I sold my car and was forced to use public transportation for a while. Will I be considered a high risk driver when I buy another vehicle and insure it and how long will I be considered high risk?

Where can I find a comparative listing for auto insurance rates?

Where can I get some good cheap SR-22 insurance?

I'm in the Chicago area. I need SR-22 insurance as it's required by the state. My license was suspended and it expired soon afterward. I trying to get my license back. So I need SR-22 insurance for someone who was an expired suspended license. I don't own any vehicles either.

Cheapest car insurance for young male drivers What would you like to ask?

My 17 yr old son has passed his test we want to add him to our insurance anyone aware of any good deals at the moment, prepared to pay 2000. but would like the best deal for my money. our car is a Renault megane 54 plate 1600 cc.""

Can you be insured under the car's insurance if you don't have insurance for yourself?

What i mean is... If the car (like say your parents, or friends) you are driving has full coverage insurance on it, but you do not have auto insurance in your name whatsoever. What would happen if you hit someone. Would it file under car owner's insurance? No matter what, im assuming both the car (obviously) and the driver (ALL drivers) need auto insurance in their name? Or can you drive w/o insurance if the car has full coverage? Thanks! Just want proof before i prove someone wrong :P""

Cheap Car insurance...............?

im 19 living in england just held my license for a week now. im being quoted 4 and half grand insurance on a 1.4 civic. that is bullshit. does anybody know a cheap insurance legit one? i need to start driving ASAP.

Help with car insurance?

ok.. i just got a 1997 honda accord lx.. im 18 and a new driver.. but the car is in mine and my moms name every place we called it is over a hundred dollars just for state required ?? where is the cheapest place in shelbyville indiana.. i need car insurance and this is outrageous could anybody help me please

Does anyone know where a couple in their early 60's might find affordable insurance.?

We had really great insurance but, it went up from a little less than $600.00 to over $1000.00. We cannot afford that.""

Who has the best & affordable dental and medical insurance?

I need a lot of work on my teeth and I will know it will be expensive. I'm trying to find a good and affordable insurance for dental and medical. I would like my copay to be no more than 20% and my deductible to be no more than $3,000 & doctor visits no more than $30. Can anyone help me out? I'm also looking for not only me but my child as well.""

""I cheated my husband he knows but still wants to keep me and the marriage,but dont love him anymore,what i do?""

i'm still staying with him he change to make me happy i gave him a chance i have 2 kids for their sake i stayed but still i'n not happy i rather have to divorce him i know i will have a peace of mine i want to do something that makes me happy he's a boring guy i just did'nt ralized that b4 coz i'm bc taking care of my 2 kids but now they're teenagers i suddenly realized how boring my life is,i'm 44 yrs old and i knoe i still can find better life ahead of me with the right person with me so i need help outthere if i really have to sacrifice ny happiness for the sake of my marriage and for the my kids? my husband is not really a good provider we both have financial problem he had his money i have my own,i dont have a name on his bank account either his on mine he paid all the bills,i paid the daycare and the clothes for me and the kids,the sch. lunch for 1 kid him the other kid,i paid the car insurance which it's not my name but since i'm the one using it.so pls. help what shall i do?""

Life Insurance form help for school?

Does anyone know where I can view a blank life insurance policy format? I have a report for school and need to make a fake life insurance policy.....help!

""Male vasectomy requirements in california,and does cigna cover it?""

i want to get a vasectomy,made up my mind 100%,main reason is cuz i don't want to end up a financial slave to any women,and would relieve alot of stress from my life.i am 24,from california,never had any kids,can i just go up to the doctor and tell him that,or do i have to stretch the truth and make up a story like i have 2 kids somewhere in mexico or something like that?i make about $24,000 a year.i know they also charge for vasectomies based on your income.also does cigna insurance cover it?""

Should I contact my auto insurance company (accident was not my fault)?

Okay, my wife's car got stuck in the snow last week close to the subdivision. So I went out to get the car because she's not really good at driving in the snow, but I have ...show more""

Will my children from a previous relationship get my husbands insurance?

basically myself and my 2 children were on food and medical assistance and i am now off it, i will be starting to get new insurance through my husbands work and so will our child in common...but i have 2 children from a previous relationship. im not sure if they will need to have my insurance or if they will still qualify for the government medicaid since there father pays child support.""

What will happen if I retire at age 60 in terms of health insurance?

Since the affordable care act was affirmed I guess by the Supreme Court, if I retire at age 60 and get my own health insurance, can I get my own insurance at a discounted rate? I'll have no income when I retire. I will have about 2 million dollars saved and will take some out to live of course. If what I take out is less than $43,320, can I still get insurance at a discounted rate? Also I guess my rate will be same whether I have a pre-existing condition right?""

I will be 16 soon and I was looking at getting an 01-03 BMW M3. Any ideas on how much insurance would cost?

I live in Florida and I'm a new driver, also this will be my first car (if that helps with info about the insurance)""

San Jose California Cheap car insurance quotes zip 95122

Which insurance company has the quickest claim?

Okay so I want to know which insurance company would give me the quickest claim without any problems between: state farm, farmers, hardford, and all state?""

Whats the estimated cost of car insurance for an 18 year old?

Florida Health Insurance Question?

A friend of mine has Blue Cross Blue Shield through his employer in Florida. His premium is a whopping $600.00 a month. He wanted to lower his premium and his employer says he can't change his insurance plan. He wanted to cancel his insurance and his boss says he can't, unless he fires him. I told him it sounded as though his boss is ripping him off. He contacted Blue Cross Blue Shield and they told him his boss has the right to charge ANY amount he wishes. They would give him no information about his premiums and referred him back to his employer. My friend doesn't even remember if he ever got his paper policy. All the links to write the insurance commissioner has not worked. Can anyone tell me out there if it isn't true that it is anyone's civil right to cancel an insurance policy and what my friend might do next?""

Do you need to have car insurance of your own to rent a car?

I don't have a car right now so I don't have insurance, will I need to get insurance to rent a car? In Canada""

My car insurance was canceled due to roommate has a DUI?

I live in Michigan and I have been advised by Hartford that my car insurance will be canceled in Feb. due to the fact that another person in this household has a DUI. They feel that this person could drive my car with or without my permission. They advised one of us needs to move in order to have the policy reinstated. Is this justified? What can I do?

Will hail damage raise my car insurance rate?

My town was hit with severe hail while I was at work and my car was parked at my jobs parking lot. My car has hail damage all over the body, little dents. My car also has full coverage. If I report it to my insurance company so I can get it fixed, will my rates go up? And and since I have full coverage, *stupid question* they should pay for all of it right??""

""Pregnant, unemployment compensation, and health insurance?""

I live in Ky. Recently both husband and I are unemployed, taking in the maximum of $415/wk/each, got a 1 yr baby, got $55k in savings, got a house, got Roth IRA, and got former company's 401k. I also got accidentally pregnant after being unemployed with no health insurance. Can I get affordable health insurance for myself & unborn child, and also my 1yr old? If so where and how? No, COBRA sucks-- not affordable. We do NOT want to dip into our savings too much because we do not know when we will need it. And my husband is talking about abortion because time is too tough right now.""

I'm pregnant. Can I use my boyfriends insurance?

I am only 6 weeks pregnant and we aren't married yet. I was wondering if there was a way I can use my boyfriends insurance (Kaiser) for doctor visits and child birth. I have heard that we may have to add me on his as a domestic partner, is this right? And does Kaiser add domestic partners on a members plan? Any advice would help.""

Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)""

What is insurance?Explain?

I mean what is malpractice insurance, car insurance ,health insurance, etc. Please explain is simple, clear and easy words.""

Temporary car insurance for under 21s?

I want to take out temporary car insurance in the UK, who will do this for someone who is under 21? Thanks""

Help with car insurance?

If my friend financed the car I wanted for me would he have to be the policy holder of the insurance and list me as the main driver. If so, would the monthly payment be based off of me only and not my friend right? Or would he have to also pay for insurance ?""

What homeowners insurance do you use/recommend?

I am looking for homeowners insurance for a home in California. We have 2 dogs, one which is a German Shepherd. What insurance carrier works well with dog owners?""

Cheap car to insure for 17 year old boy?

Please just say a few car names and not your not geting any for cheap

Health insurance For Football?

I'm going to play football in highschool soon. And i was wondering if i needed health insurance to play or its not required?

Car accident with someone who will not respond back to the insurance for verification?

Someone with insurance rear ended me. I took his insurance information and called his insurance the following day to report the accident. The person who rear ended me did not call the insurance and he is not responding to his own insurance who are trying to get ahold of him to confirm the accident. It's been three weeks. His insurance called me yesterday and said that I need to use my own insurance for get my car fixed. I have a note written by the person who rear ended me admitting that he did cause the accident. What legal actions can I take against the person who rear ended me?

Car insurance for a rental car?

Hello, I was looking to rent a car for about 1 month, but finding the rental companies insurance costly than the car itself. I called up few insurance companies and they are ready to provide me some cheap basic insurance for like about $75.00/month which covers liability, other car damages; but not the physical damage of my car (they said my credit card company should cover it). I discussed this with one of my friend and he said that the rental car company would not allowed you to rent a car on the renter's insurance. Is it true? If yes, then what could be the best way I can get a cheap and covered car insurance for my rental car for 1 month. Please suggest.""

Insurance price?

does anyone have an idea of how much insurance would be for me to purchase a new wrx sti? age 24, pittsburgh PA, clean record...any rough estimates?""

What are some good health insurance plans?

We're trying to find one with low Coinsurance, I can't afford to pay 50% on a surgery -_- Anything good and affordable you guys recommend for families?""

Abortion insurance?

I'm doing an essay on abortion and had a quick question about insurance. Does Obamacare cover abortion at planned parenthood in Seattle, Wa?""

Is this a good health insurance for my mom?

My mom is 58 years old and lives in California. I needed a plan where if there's any hospital bills or chemotherapy that needs to be done and it exceeds $100,000......I want the insurance company to pay for everything. https://www.healthinsurance.com/hi/web/health/ind/PlanDetails.aspx Also, can an insurance company suddenly cut someone if they are really sick and in the process of recovery? Does anyone know of a better health plan I should get for her? Thanks so much in advance.""

Should we switch from Geico to Farmers Insurance?

We moved cross country and a local Farmers insurance agent is perstering us to get our business... she is actually a nice person. The deal we would get here would be cheaper than with Geico, but I had a bad experience with Farmers a long time ago (They were great until I had an accident, then they slapped me with a huge increase in premium. It wasn't even entirely my fault. anybody had good experiences with Farmers Insurance or should I just stay away from them?""

Would you switch car insurance companies after 10 years to save money?

Since 1997 I've been with the same car insurance company. Have had FANTASTIC service and support with claims and general questions. I use the same company for car insurance, home owner's insurance, life insurance, and to manage my IRA. When pricing out alternatives I realize that I could save about $50 a month by switching my car insurance to esurance. I attempted to get my current insurance to match their price without success. I'm very leery about possibly loosing my excellent service and support from my current company. Would you switch to a new company, and possibly a worse company, to save money?? I can easily afford my current company, but I'd obviously love having an extra $50 a month to plan with.""

Does insurance cost less for drivers that are 18 than for 16 year olds?

Cheap car insurance for 21 yr old?

I have a 2003 Grand Am. I've had it for a year. Until recently I had it in my mothers insurance policy. But hers has expired now and I would like to have it put under my own policy. I've had my license since I was 19. I've never had any violations, not even a speeding ticket. What are some cheap car insurance for my situation. I live in Kentucky.""

San Jose California Cheap car insurance quotes zip 95122

https://www.linkedin.com/pulse/how-much-car-insurance-16-year-old-living-southern-cali-keller/"

0 notes

nyklifsondiviiportfolio-blog · 7 years

Text

Write a Letter to your Representative about a Current Event

November 24, 2015

The Honorable Governor Steven L. Beshear,

I am writing to you as a concerned citizen of this commonwealth begging you to take action against the destructive repercussions from coal mining on our waterways. Throughout your administration as Governor of the Commonwealth of Kentucky, you have been quoted speaking out against Environmental Protection Agency (EPA) Regulations which is worrisome (Bruggers 2014). While many different stakeholder have been voicing the threat that burning coal adds to our airways, king coal is also a threat to biodiversity and the beautiful waterways in this state. The negative impacts of all types of mining have been obvious when looking at both human health costs in appalachia and the detrimental impacts on biodiversity. Currently, the state of different parts of Eastern Kentucky, are both in violation of The Clean Water Act and The Endangered Species Act. The Guidelines for Stream and Wetlands Protection in Kentucky have gone ignored along with the welfare of the land we live on and the water that flows through these mountains and hills - thriving with culture and history (Grubbs 1997). This way of life, including a multi-million dollar fishing industry are all in jeopardy. The Commonwealth needs an advocate to protect its’ people and unique aquatic habitats, enforce Clean Water Act laws, and fine or imprison those who consistently are in violation. You are needed to fulfill your duty, governor. Kentucky needs you.

I was recently reading an article in the Courier Journal, in which you were challenging proposed guidelines on lowering ozone limits. Once again, you are defending the coal industry over the health of our citizens and our fish and wildlife. You are relying on the same false arguments when in 2011 you publicly challenged the EPA’s efforts to curb toxic runoff into Kentucky waterways from coal mines. Then this summer you reiterated this stance when the EPA issued its final rule on lowering carbon emissions by stating that what was being proposed was ‘disastrous’ for Kentucky’s economy (Bruggers 2014).

There are many different ecological damage that coal companies are creating with no repercussions and leaving for our in-debt state to clean up. Some forms of obliteration that we face today are acid mine drainage, coal slurry, mountaintop removal, general mining pollution, and coal ash. I will further explain and give specific examples within this letter with specific examples from home harming both marine and human populations (Moore 2015). First I will explain what each of these does to our environment. Such as, what is acid mine drainage? Acid mine drainage is when different metal sulfides and metalloids, such as pyrite, are oxidized by being exposed in large quantities from practices--such as strip mining--which react and form acidic discharge which becomes polluting runoff. This runoff is filled with heavy metal inorganic pollutants such as selenium (Special Waste Branch 1994). These compounds are persistent contaminants that are hydrophobic. There are chronic effects on biota from these toxins as well as horrendous health hazards for humans when drinking water is polluted or fish people eat are full of coal waste. Streams are turning orange from acid drainage damage, being filled with ash, or are being ruined by runoff from strip mining and mountaintop removal. This is happening every day. Food webs are collapsing as populations become scarcer.

Some of the problems that can and are arising from these wasteful operations being conducted by coal corporations statewide include acidification, nutrient loading, increased amounts of sediment in waterways which causes hypoxia, reproduction problems, habitat degradation, eutrophication, and ultimately death in marine ecosystems. Two species that are missing in mining fallout areas are salamanders and mayflies (Curry 2015). Coal companies under new policies from the Clean Water Act are able to shirk their duties of mitigating the unavoidable waste that any form of mining for resources creates. Both air and stream are affected (Grubbs 1997). Because 90% of Kentucky’s energy comes from burning coal, the health effects on wildlife and our citizens is felt in every county (Bruggers 2014). In addition we have over 104 coal slurry impoundments which the state refuses to regulate - oversight generally is up to the local citizens. This is disturbing due to the huge spill in Martin County in 2000 when over 100 miles of waterway was contaminated. The black goo polluted the water supply of over a dozen communities and killed aquatic life before reaching the Ohio River; creating massive dead zones that still have not fully recovered today (Smith 2013).

Appalachia is home to an incredible collection of species living in a temperate deciduous forest region, many are native only to this area. The headwater systems used to team with different freshwater trout and crayfish, but today studies done on behalf of the Society for Freshwater Science showed waterways polluted by mountaintop mining runoff had less than half as many fish species and about a third as many fish as non-impacted streams. There has already been a significant loss of suitable habitat such as freshwater streams and wetlands for spawning(Moore 2015). The amount of selenium and other metals that flush our rivers such as Big Sandy often are over total maximum daily load levels. The water electricty is well over the EPA regulated amount which increases conductivity and developmental abnormalities in full ecosystems. The biomagnification of different pollutants are killing off prey and reducing fish fertility. In addition many species are becoming endangered such as the Big Sandy crayfish which has lost more than half of its range in Kentucky (Curry 2015). While there is not a large commercial market for most species of fish, waterways provide game fishing and tourism and currently this industry provides more employment opportunities for Kentucky’s citizens than the dwindling coal industry. The U.S. Army Corps of Engineers and the Kentucky Division of Mine Permits have authorized thousands of miles of streams to be removed or buried for surface coal mining projects. The public is promised restoration elsewhere sometimes, over 60 miles away. Wetlands and stream mitigation is controversial as to whether the practice is able to balance out demolition of riparian zones and wetlands which are key in filtering water and home to many native birds such as the Kentucky Warbler.

It is unjust to label half of our state as a energy sacrifice zone. We are allowing corporations, many based outside of Kentucky, to lay to waste our land, waterways, and people for economic gain that most of the state never touches. The economy of Kentucky may once have been cemented in coal, but the inhabitants of Eastern Kentucky rely on our waterways for life. Coal has killed more people than kept them floating in our economic structure. The overwhelming research concludes there are higher chronic cancer rates, birth defects, and mortality rates in coal country. Plus, these are dangerous jobs. There are other sources of energy in which we do not have to blow up and scrape away our land (Moore 2015).

Further, mining waste including metals such as arsenic, cadmium, copper, silver, and zinc is dumped into valleys and streams nearby the mines, which cause high silt, sulfur, and iron compounds to clog our waterways (Special Waste Branch 1994). Industry and human lives depend on the health and quality of our water. Waste can make supporting life impossible for biodiversity and communities. The harm coal is causing to this state is nearly irreparable, but we must take action if we are to preserve a future for Kentucky lives and the organisms living within our state’s borders.

All of this information is overwhelming and may seem like there is no hope, but you can bring about change. How can we save future streams and wetlands? Forcing coal companies to pay for conservation efforts to repair the havoc they have unleashed. Enforce regulations on the books and prosecute those who break the laws. We can start making the transition from coal to solar powered energy, which will create jobs and makes more sense economically in the long-run. The EPA has tested options to reverse acid drainage such as lime treatment and settling, with unclear results (Special Waste Branch 1994). We could increase recycling of coal ash so it is not sitting around ready to leak into groundwater systems and destroy huge amounts of ecosystems by being stored in landfills created specifically for this malign byproduct around the state (Moore 2015). The coal seams are less important than the fragmentation of habitat and communities.

sincerely from a perturbed voter who has attended 2 ILoveMountains days,

-Nyk Lifson

Literature Cited

Bruggers, James. 2014. Gov. Beshear opposes new smog limits (November): The Courier-Journal. electronic.

Curry, Tierra 2015. Two Crayfishes Threatened by Mountaintop-removal Mining in West Virginia, Kentucky, Virginia Proposed for Endangered Species Act Protection. The Center for Biological Diversity Tucson, Arizona.

Grubbs, Jeff, Sampson, Bill, Caroll, Ed, and Dovak, John. 1997. Guidelines for Stream and Wetland Protection in Kentucky. Natural Resources and Environmental Protection Cabinet Section, 401 Clean Water Act. Water Quality Certification.

Moore, Molly. 2015. Clean water laws wrestle with coal. The Appalachian Voice. Appalachian Voices.

Smith, Vicki. 2013. Coal Slurry Pond Dangers May Increase As Companies Ignore Construction Standards, Expert Claims (February): The Huffington Post. electronic.

Special Waste Branch. 1994. Acid Mine Drainage Prediction. U.S. Environmental Protection Agency, Technical Document 530-R-94-036. Office of Solid Waste.

0 notes

cnrgcommons · 7 years

Text

Education & Outreach Coordinator - AmeriCorps Position

What’s the perfect mix of fish & wildlife, kids & education, and serving your community? The National Wildlife Federation & The Association of Northwest Steelheaders are looking for the next Education and Outreach Coordinator AmeriCorps member through Confluence Environmental Center!

POSITION TITLE Education and Outreach Coordinator (September 2017 - July 2018)

POSITION LOCATION

POSITION SUMMARY In Partnership with the Confluence Environmental Center, National Wildlife Federation and the Association for Northwest Steelheaders are looking for an AmeriCorps Member to promote environmental justice by engaging communities, schools, and partners in opportunities that help develop access to outdoor experiences, supports sustainable environmental education, and restores/protects wildlife habitat in neighborhoods with disparities in Clackamas, Multnomah, and Washington counties (80%). This position will build on the successes of previous AmeriCorps Members. The Member will participate in Confluence led professional development activities: Professional Development Series, completing a Change Agent Project, monthly team meetings, National Service events and other self-directed development opportunities (20%).

ESSENTIAL FUNCTIONS (to include, but not limited to):

Assist in completing Outreach and Recruitment Goals for education programming.

Recruitment and establishment of new partners by networking with local groups/organizations for potential opportunities for expanded outreach including watershed stewardship/water quality projects and NWF’s Certified Wildlife Habitats partnership with ANWS through the Garden for Wildlife program.

Understanding of how to collaborate and engage with youth and adults from varying demographics.

Support teachers working on Eco-Schools USA and Schoolyard Habitats programming.

Offer programmatic and innovative ideas to existing procedures that increase the efficiency and accessibility of the education programs and local resource offerings including Oregon Department of Fish and Wildlife’s Fish Eggs to Fry program alignment with Eco-Schools USA and the 4-H STEM Club for Latino Families with OSU Extension Service in Clackamas County.

Compile new information into database for future use and track metrics.

Engage community members to recreate outdoors through angler education materials and classes.

Support veterans and family fishing adventures with recruitment, event planning, and logistics.

Assist in recruitment and training volunteers that share our mission to promote environmental conservation and stewardship as well as offering mentoring guidance.

Provide outreach presentations/workshops to possible new participants/volunteers at large community venues, workshops, and conferences - targeting communities with disparities.

Outreach at community events: tabling, sharing program resources, recruiting volunteers.

Complete and submit all necessary Confluence/AmeriCorps paperwork and reports in a timely manner.

Abide by Confluence and AmeriCorps program policies.

Attend and complete all Confluence/AmeriCorps training and service requirements including orientation, training’s, team meetings and national service days.

Wear Confluence uniform and/or appropriate identifiers and required safety gear while performing service or attending official events.

POSITION REQUIREMENTS

Personal vehicle with insurance is required.

Ability to thrive in a multiple task environment and serve evenings and weekends if needed.

Ability to establish and cultivate relationships with potential participants and partners.

Can relate easily and openly with diverse audiences.

Strong organizational and communication skills with attention to detail.

Proficiency with Microsoft Word processing, databases and PowerPoint software.

Relevant work or volunteer experience in outreach, providing training, or volunteer management.

Willingness/openness to learn about and discuss racial equity and social justice issues.

A cooperative manner and the ability to serve as part of a diverse team.

18 years of age or older, at beginning of service term.

U.S. citizen, national or lawful permanent resident.

Possession of a high school diploma or equivalent, or commit to earning one prior to receiving award.

Ability to commit to the full term of service for which they are applying.

Must successfully pass a fingerprint criminal history background check provided through the Individuals State of Residence, State of Service, and FBI criminal identification systems. Also, must obtain a satisfactory report from the National Sex Offender Public Website (NSOPW) prior to the start of the position.

Regular and reliable attendance and dependability.

AmeriCorps Members can enroll in multiple terms of service that add up to the value of two full-time education awards. In other words, you can blend summer, part-time and full-time service positions and receive awards as long as the combined service terms don’t exceed two full terms. You can also serve additional terms and elect not to receive an award. Please see http://www.nationalservice.gov/resources/ed-award/multiple-terms for full information.

PREFERRED QUALIFICATIONS

College classes in Environmental Education, Fish & Wildlife, or Natural Resources preferred.

Work/volunteer experience within Environmental Education, Fish & Wildlife, Gardening, or Natural Resources preferred.

Strong interest and enthusiasm in working with teachers, students, and volunteers is highly desired.

Ability to speak Spanish (or another language).

Ability to develop graphics in Publisher or using other software.

MEMBER BENEFITS INCLUDE

A taxable, monthly living allowance ($12,630 paid over the term of service).

Upon successful completion of a term of service, eligible Members receive an education award of $5,815. The education award can be used to repay qualified student loans or for further education in an accredited institution of higher learning, vocational or trade schools. The education award is taxed in the year that it is used.

Loan forbearance (after successful completion of a term of service, AmeriCorps will pay the accrued interest on qualified loans, which is taxable).

Basic medical insurance (covers Members only, not dependents).

Child care allowance for those who qualify.

May be eligible for Supplemental Nutrition Assistance Program (SNAP).

Professional development, trainings and networking opportunities.

$100 training fund available.

PROJECT LOCATION Association of Northwest Steelheaders and National Wildlife Federation Office: 6641 Southeast Lake Road, Milwaukie, OR 97222 (Clackamas County)

TRANSPORTATION INFORMATION

Personal vehicle with insurance is required for school visits, partner meetings, field trips, and events with outreach materials to be transported.

Mileage will be reimbursed for personal car use to service related activities.

Activities may take place in either Multnomah, Clackamas, or Washington counties though many partners are located in Clackamas County where the office is located.

EQUITY & INCLUSION Confluence does not discriminate against any person or group on the basis of age, color, disability, gender, pregnancy, national origin, race, religion, sexual orientation, veteran status or genetic information. We are committed to a diverse workplace, and to supporting our Members and staff with ongoing career development opportunities. Confluence is an AA/EEO employer. Confluence provides reasonable accommodations to applicants and employees. Applicants with disabilities may request a reasonable accommodation at any point in the employment process.

HOW TO APPLY

Project Supervisors will conduct all initial interviews and recommend top candidates to Confluence by July 21, 2017. Confluence will conduct final interviews and offer positions throughout August 2017.

STEP 1: Apply to Project Supervisor: - Email the following items to: Morgan Parks, [email protected], 503-616-3613 or 541-760-9238

résumé

cover letter (1 page)

contact information for three references

STEP 2: AmeriCorps Application: Applications are completed online at the AmeriCorps website and include:

AmeriCorps Application – Filled out and submitted to a Confluence position

Two On-Line References – Included in the online application.

Online Certification Form –This form is included in the online application or it can be found on the Confluence website. It can be mailed, faxed or emailed to the Confluence Office.

STEP 3: Confluence Interview & Placement: Final interviews cannot be conducted until Step 1 & 2 are complete.

#jobs #internships #submission

0 notes

tragicbooks · 8 years

Text

Betsy DeVos is our education secretary. Here's what to do next.

<br>

On Feb. 7, 2017, Betsy DeVos was confirmed as America's next education secretary.

Resistance to her nomination was of historic proportions. Last week, two Republican senators — Susan Collins of Maine and Lisa Murkowski of Alaska — broke ranks and announced they would oppose DeVos, leaving the GOP-controlled Senate at a 50-50 stalemate (all 48 Democrats opposed her nomination). Vice President Mike Pence cast the tiebreaking vote.

Photo by Drew Angerer/Getty Images.

If you attended or have kids in public schools, DeVos' nomination may be a tough pill to swallow. DeVos, a Michigan billionaire born into wealth, has never attended or worked in a public school — although her family has given the Republican Party about $200 million over the years. She's also been a big proponent of school choice — a controversial free-market education method that allows public funds to be siphoned off to private, parochial, and even for-profit schools. It's a strategy many education advocates have criticized, claiming it uses already scarce public school funds to benefit mostly upper-middle class and wealthy families, leaving the most vulnerable students and schools in even worse shape.

Admittedly, it was not a good day for many public school advocates. But now more than ever, American kids and schools need our help.

Here are 20 ways you can turn your anxiety over the future of public education into real action:

1. First and foremost, don't feel hopeless.

Let your frustrations fuel your advocacy. Among President Trump's controversial cabinet appointments, DeVos' agenda may be the least popular among Americans. The resistance to her plans is alive and well.

2. Help fund a project that will make a difference on Donors Choose.

The platform gives teachers a place to crowd-fund classroom projects, allowing individuals (that's you!) to help students, whether it be giving art supplies to students in California or providing iPads to kids in Brooklyn to boost their linguistic and social skills.

Photo via iStock.

3. If you can, get involved in the National Education Association.

The focus of NEA — the largest professional employee organization in the country — is to make public education high-quality and accessible to every student. There are many ways for prospective, current, and former public education professionals to join the cause.

4. Come midterm elections, don't forget which senators voted for DeVos — many of whom received campaign donations from her family:

Steve Daines (Montana), John Thune (South Dakota), Ron Johnson (Wisconsin), Richard Burr (North Carolina), Jeff Sessions (Alabama), Roger Wicker (Mississippi), Roy Blunt (Missouri), Bob Corker (Tennessee), Michael Enzi (Wyoming), John Barrasso (Wyoming), Dean Heller (Nevada), Rob Portman (Ohio), Bill Cassidy (Louisiana), John McCain (Arizona), Richard Shelby (Alabama), Mike Lee (Utah), Ted Cruz (Texas), Dan Sullivan (Alaska), Cory Gardner (Colorado), Rand Paul (Kentucky), Deb Fischer (Nebraska), Lindsey Graham (South Carolina), James Inhofe (Oklahoma), Jim Risch (Idaho), James Lankford (Oklahoma), Jerry Moran (Kansas), Patrick Toomey (Pennsylvania), Joni Ernst (Iowa), Tom Cotton (Arkansas), Michael Rounds (South Dakota), Thad Cochran (Mississippi), Mitch McConnell (Kentucky), Michael Crapo (Idaho), John Hoeven (North Dakota), Pat Roberts (Kansas), Shelley Moore Capito (West Virginia), Orrin Hatch (Utah), John Kennedy (Louisiana), Thom Tillis (North Carolina), Todd Young (Indiana), Jeff Flake (Arizona), Tim Scott (South Carolina), Ben Sasse (Nebraska), Marco Rubio (Florida), David Perdue (Georgia), Johnny Isakson (Georgia), Charles Grassley (Iowa), John Cornyn (Texas), John Boozman (Arkansas), and Lamar Alexander (Tennessee).

5. Think local.

You know your own community best. What local or regional organizations do the crucial work unique to the problems facing the public schools in your city? Reach out and ask them how you can get involved.

Start volunteering with organizations that work in or with public schools now. Ask them what they need.

— Mara Wilson (@MaraWilson) February 7, 2017

6. Donate to No Kid Hungry.

The nonprofit helps feed American schoolchildren so they can stay full and focused in the classroom. One $10 gift can provide up to 100 meals to a kid who could use it.

7. Support after-school arts programs.

There's probably at least one group in your area helping teach art to kids outside the classroom — an opportunity that could help them in many ways for years to come. In Pittsburgh, for instance, free after-school art classes at Manchester Craftsmen’s Guild Youth & Arts teach any kids in the Pittsburgh public school system skills in ceramics, design, photography, and more.

8. Share this video of Sen. Al Franken questioning DeVos' support of anti-LGBTQ causes — and hold her accountable to do better.

Let the record show: Dollars from the DeVos family have gone toward horribly anti-LGBTQ initiatives, including gay (to straight) conversation therapy — a practice that's been deemed harmful by experts and is essentially a form of child abuse.

Despite her record, DeVos said during her Senate hearing that she never believed in gay conversation therapy and that she "fully embraces equality" for all students. Let's hold her accountable to that.

Earlier this evening, I questioned Betsy DeVos, President-elect Trump's nominee for Secretary of Education, and was deeply troubled by the fact that she seemed unfamiliar with some of the most basic issues in education today. Ms. DeVos repeatedly refused to answer questions, let alone offer specifics. That was not what the American people needed to hear. They deserved to see her demonstrate that she understands and can successfully address the profoundly difficult challenges ordinary families face every day when it comes to education: things like making sure their kids are prepared for the 21st century economy, addressing student loan debt, and ensuring kids feel safe in school.

Posted by U.S. Senator Al Franken on Tuesday, January 17, 2017

9. Support your local libraries.

Libraries are great resources for our kids to learn outside the classroom (and they have so much more to offer than books). Get your library card, visit frequently, volunteer, and spread the word.

Speaking of libraries...

10. Create a Little Free Library in your own neighborhood.

Build a little library in your yard, stock it with some books, and let your neighbors enjoy. Ideally, it'll turn into a take-a-book, give-a-book situation.

Learn more about how to pull it off.

Canoe Libraries are becoming a thing. And it's amazing. #LittleFreeLibrary http://pic.twitter.com/u6lHAApe1N

— Little Free Library® (@LtlFreeLibrary) January 30, 2017

11. Fight for more affordable and free higher education at the ballot box.

Despite what you may think of DeVos' appointment, Americans increasingly support using public funds to ensure college is free or affordable to more students. Stanford University, for example, was cheered for guaranteeing students whose parents have a combined income of less than $125,000 would have free tuition. And San Francisco has also made waves for making City College free for residents.

Many state and local governments are also trying to make higher ed more accessible to more students. New York state may make its public colleges and universities free to attend for the vast majority of students. Stay plugged in to similar state and local initiatives in your own area.

12. Support the "nonpublic" schools in your area.

Nonpublic schools are, in fact, public schools for kids with moderate to severe disabilities that prevent them from attending a more traditional public school. The Individuals With Disabilities Education Act ensures schools like them exist for any family that needs it.

Considering DeVos' nomination has disability advocates worried, the nonpublic schools in your community could probably use your support. Many host regular fundraisers and even need classroom volunteers.

13. Support the Kids in Need Foundation.

The nonprofit provides thousands of backpacks filled with school supplies to students in need every year, giving them the tools they need to succeed in class. (There are lots of groups doing similar work, by the way — if you do some digging, you may find a more local option.)

Photo via iStock.

14. Don't forget that Open eBooks is a thing, and it's spectacular.

Former President Obama's ConnectED initiative helped get more than $250 million worth of fantastic children's e-books online, available to any young person who wants to dive into a good read.

Because not every kid gets that chance.

15. Donate to First Book.

This nonprofit provides new books and other learning materials to kids and families in need. Since it was founded in 1992, the group has given away 160 million books and education resources.

16. Help tackle crime, nutrition, and education ... with veggies.

The nonprofit Gardopia Gardens operates community gardens at schools in Texas, helping make nutritional foods more accessible to kids. It not only teaches them about nutrition and gardening, it lowers crime rates in the neighborhoods where it operates. Similar programs are offered at schools around the country — if your local school doesn't already have one, why not look into what it would take to start one yourself?

17. Help make lunchtime a little more stress-free.

A cool thing you can do today is try to find out which of your local schools have kids with overdue lunch accounts and pay them off.

— Ashley C. Ford (@iSmashFizzle) December 6, 2016

18. Support Publicolor.

Kids in New York City who work in the after-school program Publicolor paint beautiful works of art in schools in order to bring a splash of color to the spaces they share, build relationships, and learn valuable skills like commercial painting and positive work habits.

19. Stand up for immigrant students by supporting United We Dream.

The group had already been rallying educators to stand up to Trump's agenda. Now, with DeVos' nomination, its Educators Toolkit may be even more necessary.

20. Take matters into your own hands and run for a position on your local school board.

Now more than ever: RUN FOR YOUR SCHOOL BOARD https://t.co/8CBCKDpl3E

— Shannon Hale (@haleshannon) February 7, 2017

All politics are local, right? Run for school board in your community and make a difference.

Let's not sugarcoat it: DeVos' nomination is a major setback for our public schools. But we can't get complacent.

In ways big and small, our resistance to her agenda can make a better tomorrow for kids everywhere.

Photo via iStock.

<br>

0 notes

socialviralnews · 8 years

Text

Betsy DeVos is our education secretary. Here's what to do next.

<br>

On Feb. 7, 2017, Betsy DeVos was confirmed as America's next education secretary.

Photo by Drew Angerer/Getty Images.

Admittedly, it was not a good day for many public school advocates. But now more than ever, American kids and schools need our help.

Here are 20 ways you can turn your anxiety over the future of public education into real action:

1. First and foremost, don't feel hopeless.

2. Help fund a project that will make a difference on Donors Choose.

Photo via iStock.

3. If you can, get involved in the National Education Association.

4. Come midterm elections, don't forget which senators voted for DeVos — many of whom received campaign donations from her family:

5. Think local.

Start volunteering with organizations that work in or with public schools now. Ask them what they need.

— Mara Wilson (@MaraWilson) February 7, 2017

6. Donate to No Kid Hungry.

The nonprofit helps feed American schoolchildren so they can stay full and focused in the classroom. One $10 gift can provide up to 100 meals to a kid who could use it.

7. Support after-school arts programs.

8. Share this video of Sen. Al Franken questioning DeVos' support of anti-LGBTQ causes — and hold her accountable to do better.

Posted by U.S. Senator Al Franken on Tuesday, January 17, 2017

9. Support your local libraries.

Libraries are great resources for our kids to learn outside the classroom (and they have so much more to offer than books). Get your library card, visit frequently, volunteer, and spread the word.

Speaking of libraries...

10. Create a Little Free Library in your own neighborhood.

Build a little library in your yard, stock it with some books, and let your neighbors enjoy. Ideally, it'll turn into a take-a-book, give-a-book situation.

Learn more about how to pull it off.

Canoe Libraries are becoming a thing. And it's amazing. #LittleFreeLibrary http://pic.twitter.com/u6lHAApe1N

— Little Free Library® (@LtlFreeLibrary) January 30, 2017

11. Fight for more affordable and free higher education at the ballot box.

12. Support the "nonpublic" schools in your area.

13. Support the Kids in Need Foundation.

Photo via iStock.

14. Don't forget that Open eBooks is a thing, and it's spectacular.

Former President Obama's ConnectED initiative helped get more than $250 million worth of fantastic children's e-books online, available to any young person who wants to dive into a good read.

Because not every kid gets that chance.

15. Donate to First Book.

This nonprofit provides new books and other learning materials to kids and families in need. Since it was founded in 1992, the group has given away 160 million books and education resources.

16. Help tackle crime, nutrition, and education ... with veggies.

17. Help make lunchtime a little more stress-free.

A cool thing you can do today is try to find out which of your local schools have kids with overdue lunch accounts and pay them off.

— Ashley C. Ford (@iSmashFizzle) December 6, 2016

18. Support Publicolor.

19. Stand up for immigrant students by supporting United We Dream.

The group had already been rallying educators to stand up to Trump's agenda. Now, with DeVos' nomination, its Educators Toolkit may be even more necessary.

20. Take matters into your own hands and run for a position on your local school board.

Now more than ever: RUN FOR YOUR SCHOOL BOARD https://t.co/8CBCKDpl3E

— Shannon Hale (@haleshannon) February 7, 2017

All politics are local, right? Run for school board in your community and make a difference.

Let's not sugarcoat it: DeVos' nomination is a major setback for our public schools. But we can't get complacent.

In ways big and small, our resistance to her agenda can make a better tomorrow for kids everywhere.

Photo via iStock.

<br> from Upworthy http://ift.tt/2kQsNcC via cheap web hosting

#Upworthy

0 notes