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Better Care Reconciliation Act of 2017: CBO Report Facts
Written by ObamaCareFacts.com in ObamaCare News Archive
Published - June 27, 2017
Last Updated - February 27, 2019
The Essentials From the CBO report on the Better Care Reconciliation Act of 2017
Get the facts on the CBO report on the Better Care Reconciliation Act of 2017 (the Senate's ObamaCare repeal and replace plan AKA TrumpCare).[1][2]
UPDATE 2019: This plan never passed, and thus some specifics here are of historical interest only.
A Quick Overview of the CBO Report on the Better Care Reconciliation Act in Its Different Iterations
The Better Care Reconciliation Act Reconciliation Act has went through a number of changes in the Senate. On this page we compare the CBO's scoring for the first version and the July 13th version with the Ted Cruz Amendment added in.
Thus we will be comparing the CBO's May 24, 2017 report to the CBO's July 20, 2017 report. The graphic above shows this comparison as well.
"Compared with the June 26 cost estimate for a previous version of the legislation, this cost estimate shows savings over the next 10 years that are larger—as well as estimated effects on health insurance coverage and on premiums for health insurance that are similar."
READ the First Version: The Better Care Reconciliation Act of 2017 (AKA TrumpCare AKA the Senate ObamaCare bill).
READ the BCRA as it stood July, 13th 2017 (the latest version): the full text of the Revised Senate Health Care Bill 7/13/17. See also "the Ted Cruz Amendment" (this is now part of the BCRA).
CBO Report of the First Version: H.R. 1628, Better Care Reconciliation Act of 2017.
CBO Report of the Latest Version: H.R. 1628, Obamacare Repeal Reconciliation Act of 2017.
Overview: See our page on the Better Care Reconciliation Act of 2017.
The Essential Facts From the CBO Report on the Senate HealthCare Bill – July 20, 2017
Below are essential facts about the Better Care Reconciliation Act of 2017 from the latest CBO report (the July 20th, 2017 CBO report) with some commentary.
CBO's July 20, 2017 report: CBO and JCT estimate that enacting the Better Care Reconciliation Act of 2017 would reduce federal deficits by $420 billion over the coming decade and increase the number of people who are uninsured by 22 million in 2026 relative to current law (for a total of 49 million uninsured; about what it was before the ACA's coverage provisions took effect).
According to CBO and JCT's estimates, in 2018, 15 million more people would be uninsured under this legislation than under current law. The increase in the number of uninsured people relative to the number under current law would reach 19 million in 2020 and 22 million in 2026. In 2026, an estimated 82 percent of all U.S. residents under age 65 would be insured, compared with 90 percent under current law.
The above reduction to the deficit by 2026 is the net result of a $903 billion decrease in direct spending partly offset by a $483 billion decrease in revenues.
The agencies estimate that the provisions dealing with health insurance coverage would reduce deficits, on net, by $784 billion (i.e. cuts to cost assistance, small business tax credits, Medicaid, and the elimination of the mandates). The noncoverage provisions would increase deficits by $364 billion, mostly by reducing revenues (i.e. elimination on taxes on industries like tanning solons and drug makers).
The largest savings would come from Medicaid cuts. By 2026, spending for that program would be reduced by 26 percent.
The largest increases in deficits would come from repealing or modifying tax provisions in the ACA that are not directly related to health insurance coverage, although this is notably less true now that provisions repealing a surtax on net investment income and repealing annual fees imposed on health insurers have been removed.
CBO and JCT anticipate that, under this legislation, nongroup insurance markets would continue to be stable in most parts of the country. This legislation would, by CBO and JCT's estimates, increase average premiums in the nongroup market before 2020 and lower them thereafter, relative to projections under current law.
In general what happens with premiums is the most complex part, to summarize the next paragraph premiums go up and then they go down… but in part due to lower benefit plans being sold. Under this legislation, in 2018, average premiums for benchmark plans for single policyholders would be about 20 percent higher than under current law, mainly because the penalty for not having insurance would be eliminated, inducing fewer comparatively healthy people to sign up. In 2019, those premiums would be about 10 percent higher than under current law—less than in the year before in part because funding provided by this legislation to reduce premiums would have a greater effect and because changes in the limits on how premiums can vary by age would result in a larger share of younger enrollees paying lower premiums. In 2020, average premiums for benchmark plans for single policyholders would be about 30 percent lower than under current law—a decrease brought about by several factors. Most important, this legislation specifies that benchmark plans would have an actuarial value of 58 percent (and, therefore, would pay for a smaller share of the total cost of covered benefits than the benchmark plans in 2018 and 2019). The effects on premiums would vary in different areas of the country. Also, even though average premiums for benchmark plans would decline, some people enrolled in nongroup insurance would experience substantial increases in the net premiums that they paid for insurance. For example, under this legislation, 64-year-olds could be charged five times as much as 21-year-olds, CBO and JCT expect, compared with three times as much under current law—resulting in higher premiums for most older people.
For older people not eligible for premium tax credits, net premiums (after taking into account the tax savings from paying premiums from a health savings account) could be more than five times larger than those for younger people in many states, rather than only three times larger under current law. Because of such differences, CBO and JCT estimate that, under this legislation, a larger share of enrollees in the nongroup market would be younger people and a smaller share would be older people than would be the case under current law.
To summarize the section on high deductible health plans, they will still be a hurdle under this plan. See page 9.
Generally, as it was with the last version of the bill, the young, healthy, and higher earners fair well, those who are older, sick, or low-income could face struggles.
In all, the current version of the legislation would result in greater deficit reduction mostly because it would retain certain taxes that the previous version of the legislation would have eliminated. However, the total uninsured remains the same.
Is the 22 Million Number Right?
There has been an assertion that the CBO is wrong and the 22 million number is wrong. With that in mind, the CBO has rarely been wildly off base with its projections. Despite that, to make sure you have all sides of the story, here are some caveats to consider:
The CBO says, "compared with the previous version, this legislation would have similar effects on the number of uninsured people. Estimates differ by no more than half a million people in any year over the next decade."
Tom Price's HHS predicted the Ted Cruz Amendment would lead to millions more covered than the CBO projected and lower premiums (mainly for healthy people who would benefit from low-benefit plans with annual limits). Assuming that is true, the basic concept here is the same: the BCRA saves money, deregulates health insurance (thus lowering plans for some), cuts taxes, cuts assistance, and results in millions more uninsured.
It is important to note that some of the uninsured (but not all; see the graphic below) will be those who choose not to get coverage now that there is no mandate. Some in this group may, instead of not getting covered, choose a low-benefit, low-cost, Cruz plan (thus proving the CBO estimate high).
When the CBO predicts its uninsured or cost reductions they do so with the best data available to them. They look at each change, and then estimate the effects (which in this case are a reduction to deficit, reduction to revenue, reduction to spending, and an increase of the uninsured).
As you can see in the table below, when the CBO estimates the uninsured under the BCRA they look at the effects of each coverage provision. Given this, there is little doubt that the CBO estimates of the uninsured are accurate.
Even if every person on private coverage and employer coverage who loses their plan (or chooses not to have their plan) were to get a Cruz plan, 15 million would still lack Medicaid coverage by 2026.
The CBO estimates for uninsured under the BCRA.
The Essential Facts From the CBO Report on the Senate HealthCare Bill – May 24, 2017
Above we covered the latest CBO report.
Below are essential facts about the Better Care Reconciliation Act of 2017 from the CBO report with some commentary. This will help you to understand what has changed and will offer some additional and relevant insight (because even though some things changed, the general concept of what is happening didn't).
CBO and JCT estimate that enacting the Better Care Reconciliation Act of 2017 would reduce federal deficits by $321 billion over the coming decade and increase the number of people who are uninsured by 22 million in 2026 relative to current law (for a total of 49 million uninsured).
To get this $321 billon surplus over a ten year period: $772 billion is cut in Medicaid spending and $408 billion is cut in assistance, meanwhile this spending cut over a ten year period is offset by decreased revenue over ten years which comes from $541 billion in tax breaks, $107 billion in spending to reduce premiums to insurers, and $210 billion less in mandate penalty payments.
Of those 22 million who lose coverage (for a total of 49 million), it is 15 million less from reducing Medicaid funding and 7 million less from reducing cost assistance and getting rid of the individual and employer mandates (keep in mind 75% of families on Medicaid are working poor).
The largest savings would come from Medicaid cuts.
The largest increases in deficits would come from repealing or modifying tax provisions in the ACA that are not directly related to health insurance coverage, including repealing a surtax on net investment income and repealing annual fees imposed on health insurers.
CBO and JCT estimate that, in 2018, 15 million more people would be uninsured under this legislation than under current law—primarily because the penalty for not having insurance would be eliminated.
The increase in the number of uninsured people relative to the number projected under current law would reach 19 million in 2020 and 22 million in 2026.
By 2026, among people under age 65, enrollment in Medicaid would fall by about 16 percent and an estimated 49 million people would be uninsured, compared with 28 million who would lack insurance that year under current law.
Both the ACA and BCRA are projected to lead to stable markets (with some instability in specific regions). The CBO confirms the idea of a "death spiral" is a myth. It explains that "stability in most areas would occur even though the premium tax credits would be smaller in most cases than under current law and subsidies to reduce cost sharing—the amount that consumers are required to pay out of pocket when they use health care services—would be eliminated starting in 2020."
The legislation would increase average premiums in the non-group market before 2020 and lower average premiums after that, relative to projections under current law. In other words, premiums will go up at first, but average premiums will be lower down the road. This is mostly due to states being able to sell plans with fewer benefits under the BCRA. This shouldn't' be confused with the idea that customers will pay less or receive equal quality care. They won't. Cost assistance would be reduced for premium assistance and eliminated for out-of-pocket assistance starting in 2020. Obviously, the 22 million excluded from the market will also not get "lower premiums" as they won't have any insurance at all.
Despite being eligible for premium tax credits, few low-income people would purchase any plan due to reduced assistance and their inability to pay for premiums in the first place. So while tax credits offered to 0% – 100% FPL sound nice, they aren't expected to be utilized by many Americans.
The Better Care Reconciliation Act of 2017 (AKA TrumpCare AKA the Senate ObamaCare bill). The actual bill.
H.R. 1628, Better Care Reconciliation Act of 2017. The CBO Report.
« The Difference Between the ACA, BCRA, the AHCA – Explained
Fact-Check: Trump Says CBO Was Wrong About ObamaCare »

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Portrait of Charles of Austria (1771-1847), Archduke; Duke of Teschen (1822), Governor of the Austrian Netherlands (1793-1794), Reichsgeneralfeldmarschall (1796), Field Marshal of Austria (1801), President of the Imperial War Council (Präsident des Hofkriegsrats) from 1801 to 1809, 1810
Archduke Charles of Austria, Duke of Teschen (German: Erzherzog Carl Ludwig Johann Joseph Laurentius von Österreich, Herzog von Teschen; 5 September 1771 - 30 April 1847) was an Austrian field-marshal, the third son of Emperor Leopold II and his wife, Maria Luisa of Spain. He was also the younger brother of Francis II, Holy Roman Emperor. Despite being epileptic, Charles achieved respect both as a commander and as a reformer of the Austrian army. He was considered one of Napoleon's most formidable opponents. He started his career fighting the revolutionary armies of France. Early in the wars of the First Coalition, he saw victory at Neuerwinden in 1793, before being defeated at Wattignies 1793 and Fleurus 1794. In 1796, as chief of all Austrian forces on the Rhine, Charles defeated Jean-Baptiste Jourdan at Amberg and Würzburg and then won a victory at Emmendingen that forced Jean Victor Marie Moreau to withdraw across the Rhine. He also defeated opponents at Zürich, Ostrach, Stockach, and Messkirch in 1799. He reformed Austria's armies to adopt the nation-at-arms principle. In 1809, he entered the War of the Fifth Coalition and inflicted Napoleon's first major setback at Aspern-Essling, before suffering a defeat at the bloody Battle of Wagram. After Wagram, Charles saw no more significant action in the Napoleonic Wars.


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CJP Impact: WB gov't confirms Gangadhar Pramanik's Indian citizenship CJP had helped secure his release from an Assam detention centre
22, Sep 2021 | CJP Team
In some heart-warming news, the West Bengal government has confirmed the Indian citizenship of Gangadhar Pramanik, a man who had left Bankura a decade ago to look for a job in Assam, but instead found himself behind bars at the Goalpara Detention Centre. CJP had helped secure his release on conditional bail and our team had accompanied him all the way home.
The Telegraph reports that a team of Bengal government officials, led by Anup Kumar Dutta, sub-divisional officer (Bishnupur, Bankura) visited Pramanik's home in Radhanagar village on Friday, September 17, and confirmed his Indian citizenship.
"I appreciate the way CJP took on the challenging task to bring me back to home, and how they persevered and even complete all the complicated formalities with all relevant authorities. I'm grateful to CJP. I am also grateful to local authorities and Bengal government for their help. I'm happy now," says Gangadhar.
Every day of each week, a formidable team of community volunteers, district volunteer motivators and lawyers—CJP's Team Assam – is providing ready at hand paralegal guidance, counselling and actual legal aid to hundreds of individuals and families paralysed by the citizenship-driven humanitarian crisis in the state. Our boots on the ground approach has ensured that 12,00,000 persons filled their forms to enlist in the NRC (2017-2019) and over the past one year alone we have helped release 41 persons from Assam's dreaded detention camps. Our intrepid team provides paralegal assistance to, on an average of 72-96 families each month. Our district-level, legal team works on 25 Foreigner Tribunal cases month on month. This ground level data ensures informed interventions by CJP in our Constitutional Courts, the Guwahati High Court and the Supreme Court. Such work is possible because of you, individuals all over India, who believe in this work. Our maxim, Equal Rights for All. #HelpCJPHelpAssam. Donate NOW!
"Gangadhar Pramanik has suffered an irreparable loss, of not just almost four years of his life spent behind bars, but also the death of his father. At CJP, we hope that this prompt, humane and Constitutional act of the Gov't of West Bengal offers some form of compensation and relief to a family that has suffered so much," said CJP secretary Teesta Setalvad.
"Hundreds of thousands of genuine Indian citizens hailing from different states, castes and communities are wilting under this burden of a civil death – manipulative denial of citizenship despite all proof – thrust upon them by an apathetic State. We hope that this action becomes a catalyst for this serial harassment to stop," she adds.
Bankura District Magistrate K Radhika Aiyar told The Telegraph, "We have checked the land documents and details of his parents and their voter identity cards. Our officials also found his name in the register of the local primary school, where he studied till Class IV. This information makes it clear that he belongs to Bankura. We will now start the process to generate required documents and give him a job under the 100-day programme."
Brief background of the case
33-year-old Gangadhar, had left his home in search of work all those years ago. Gangadhar's father Mantu used to work in local shops while Gangadhar who had received an education till 5th standard, supplemented the family's income by working in a saloon.
The young man, who had until then been a resident of Radhanagar village, that falls under the jurisdiction of the Bishnupur police station of Bankura district in West Bengal, boarded a train from Bishnupur to Howrah and then another train and eventually found himself in Guwahati!
Lost and penniless, he started working at a restaurant and later in a chocolate factory. But he had to quit after a drunk coworker assaulted him and left him with a head injury! Gangadhar quit and went back to his old job, where his former employer agreed to pay him his full wages when he went home. But it was not to be. "One day the police came and took me away. At the police station, they asked me my name and address," he recalled his fresh bout of misfortune. "They kept me there overnight and then took me to another jail. I found out that they thought I was Bangladeshi," a perplexed Gangadhar told us.
After Gangadhar went incommunicado on account of being arrested by the Border Police and being incarcerated in the detention centre, his father Mantu passed away, and his mother suffered from a bout of paralysis. Her mental health also deteriorated from the anxiety, and she moved in with Champa.
CJP overcomes unprecedented challenges
We had previously told you how CJP had found out about Pramanik from Dipak Deb and Fazar Ali, two other detainees we had helped get released on conditional bail. The men had been so demoralised, that they had contemplated everything from prison-break to suicide!
But we faced an unprecedented challenge in helping him get bail as he did not have an address or family in Assam. "When we found his address in West Bengal, we discovered that nobody lived there anymore. Moreover, there was no way to contact them as they had left behind no forwarding address or phone numbers," says CJP Assam state team in-charge Nanda Ghosh. But we did not give up, and based on information provided by their former neighbours, we traced his mother Bharati to his sister Champa's house. That was also when we learnt that Gangadhar's father Mantu had passed away. But what was perhaps most heartbreaking was that Gangadhar found out about his father's passing from the CJP team, as he had not been able to establish contact with anyone from his family until then.
After some difficulty we found a bailor, and even negotiated a complex set of conditions for his bail. "When we contacted the Border Police to start release formalities, we were told one of the conditions was that the released detainee should remain in Assam. But this is not possible for Pramanik," explains Ghosh. Since Pramanik did not have an address in Assam, Ghosh and Advocate Abhijeet Chaudhury from CJP's legal team had to give written undertakings that they would take him home to West Bengal and take responsibility for him. They were also made to submit copies of their own documents such as voter IDs and passports. Additionally, the CJP team helped establish contact between police officials from both states via telephone, so that the entire process could be completed smoothly.
We were coordinating between the office of the Deputy Commissioner of Police (Border), the Additional Superintendent of Police (Bankura), and police officials from the Bishnupur police station under whose jurisdiction Pramanik's village falls. "Now Pramanik will have to go and sign his attendance at the Radhanagar outpost of the Bishnupur Police Station every week. The officials from West Bengal Police will then send a copy of this via email to the Assam Border Police," says Ghosh explaining the complex arrangement.
On September 14, Nanda Ghosh and Abhijeet Chaudhury boarded the Saraighat Express to Bardhaman with Gangadhar Pramanik. We reached Radhanagar on September 15, and there his entire village came out to greet the son they thought they had lost. Gangadhar's mother, his cousin, and even the owner of the saloon where he once worked and many people in the area came. And then, a victory celebration broke out. The people brought sweets, puri etc.
Friends and family gathered around him, and his mother Bharati remained in shock for a while, her eyes wide in wonder at the sight of her son. "This is my son… My Ganga is back," she kept saying as she hugged and held him. "I didn't know what had happened to you," she said, asking, "Couldn't you have called me? Did they not let you call me?" She finally got to feed her son a home-cooked meal. She turned to the CJP team and said, "Baba (term of endearment), stay well. God bless you!" Then she looked at her son and said, "This is my son, this is my son, this is my Ganga."
Other examples of Indians declared "foreigner" in India
Over the last few months, we have brought to you instances of people from other Indian states being declared foreigners in Assam and sent to detention camps. These include Lalit Thakur – a barber from Bihar, Dipak Deb – who hails from Tripura, and Mrinal Mandal – who originally hails from West Bengal, but moved to Assam after marrying an Assamese woman. CJP remains committed to helping all our fellow Indians live with dignity.
"This is my son… My Ganga is back!"
CJP helps yet another man from West Bengal declared "foreigner" in Assam
CJP helps secure release of Bihari man dubbed Bangladeshi in Assam!
CJP helps Tripura man reunite with ailing mother
CJP comes to the rescue of West Bengal man dubbed "foreigner" in Assam!
#assam-detention-camp #citizenship #cjp #cjp-assam-master #cjp-dc #cjpinaction #detention-camp #gangadhar-pramanik #goalpara #nrc #west-bengal
The Zakia Jafri case, which deals with the accountability of
सीजेपी ने की असम पुलिस से थानों में सीसीटीवी कैमरे लगाने की जोरदार मांग
पुलिस द्वारा चलाई जानेवाली गतिविधियों और अभियानों में और भी


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The Physical Therapist Assistant (Associate of Occupational Science) program prepares students to implement physical therapy treatment care plans, train patients, conduct treatment interventions, use equipment and observe and record patient progress. Physical Therapist Assistants work under the supervision of a physical therapist in a variety of settings including, but not limited to, ambulatory health care services, hospitals, school settings, federal and county health settings, occupational health settings, and residential care facilities for the elderly.
In the Physical Therapist Assistant (PTA) program, students learn applied anatomy and physiology, applied kinesiology, principles and procedures of physical therapy, basic pediatric, developmental, and geriatric physical therapy principles, neurology and orthopedics, documentation skills, interprofessional communication, psychosocial aspects of healthcare, wound and integumentary care, modalities and electrotherapy, rehabilitation principles in orthotic and prosthetic management, personal and professional ethics, cultural competence and application in healthcare, and healthcare business and management principles and application. Correlated clinical experiences take place in the last two terms of the program.
The training program is divided into eight 10- week terms. General education courses and the PTA core courses are integrated throughout the program. The clinical practicum experience begins in term seven. Successful completion of clinical experiences in varied clinical settings under the supervision of a licensed physical therapist is required.
In the state of California, all applicants for PTA licensure must qualify for and pass the National Physical Therapy Examination (NPTE) (Physical Therapist Assistant Examination) and the California Law Examination (CLE), which relates to the practice of physical therapy in California.
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The Crow 107th Cultural Committee visit to the site of Fort Parker in 2012.
The members of The Extreme History Project are currently working on three projects related to Fort Parker, a book documenting the history of the place, an oral history project with Crow descendants from Fort Parker, and a documentary that showcases the history of Fort Parker and the legacy it has left with Crow tribal members today.
Currently, and in the future, the site of Fort Parker will be utilized to educate the public about the reservation time period.
Thanks for your interest in the book. It is not available yet but we are working on it! 🙂 We did just publish an article in "Montana: Magazine of Western History" which is on newsstands now.


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Last month, Swimming World provided information for parents on how to pick the best age group program for their children. This month, we offer a parent's guide to changing age group programs.
Meet Michael Andrew: NAG record holder extraordinaire, home-school scholar, professional swimmer…and he only just turned 15 years old!
National age group standards in the United States are falling at a faster pace than ever before.
Coaches, scientists and swimmers weigh in on Ultra Short Race-Pace Training, also known as USRPT.
Causes and solutions are discussed for IAQ and breathing issues in natatoriums.
Beginning in its April issue and continuing monthly through January 2015, Swimming World Magazine is counting down the top 10 triumphs and tragedies in the history of swimming. This month: #8 The Carliles-A Love Affair.
The breakout after a turn is a very important element of every race. Whether you're swimming 50 or 1500 meters, the breakout determines the speed you carry into the first strokes and sets the tone for that particular length.
The misconception that butterfly and breastroke are considered "short-axis" strokes is based on classifying strokes as "short" or "long" axis according to the direction of the most prominent body rotation.
There are other ways besides stretching to alleviate post-workout soreness. Foam rolling is a very effective method of self-massage that can also aid in faster recovery after workouts.
There are five "zones" in swimming-the preparation, power, practice, performance and post-pool zones-and each one of them plays an important role in your swimming success story.


text:
import { Token, TokenType } from "@entity-space/lexer";
import { and } from "../criterion/and/and.fn";
import { Criterion } from "../criterion/criterion";
import { or } from "../criterion/or/or.fn";
import { CriterionTokenParser } from "./criterion-token-parser.type";
import { criterionTokenParser } from "./criterion.token-parser";

export function* criteriaTokenParser(requireBrackets = true, endWith?: Token): CriterionTokenParser {
    if (requireBrackets) {
        let token = yield;

        if (!(token.type === TokenType.Special && token.value === "(")) {
            return false;
        }
    }

    let items: Criterion[] = [];
    let combinator: "|" | "&" | undefined;
    let andCount = 0;

    const packAndedItems = () => {
        if (andCount == 0) {
            return;
        }

        const andedItems = items.slice(-(andCount + 1));
        items = [...items.slice(0, -(andCount + 1)), and(andedItems)];
        andCount = 0;
    };

    const createCriterion = () => {
        packAndedItems();

        if (items.length === 1) {
            return items[0];
        } else {
            return or(items);
        }
    };

    while (true) {
        let valueResult = yield* criterionTokenParser();

        if (valueResult === false) {
            return false;
        } else {
            items.push(valueResult());
        }

        let token = yield requireBrackets ? void 0 : createCriterion;

        if (requireBrackets && token.type === TokenType.Special && token.value === ")") {
            return createCriterion;
        } else if (token.type === TokenType.Combinator) {
            if (token.value === "|") {
                if (combinator === "&") {
                    packAndedItems();
                }

                combinator = token.value;
            } else if (token.value === "&") {
                andCount++;
                combinator = token.value;
            } else {
                return false;
            }
        } else if (!requireBrackets) {
            return createCriterion;
        } else if (endWith && token.type === endWith.type && token.value === endWith.value) {
            return createCriterion;
        } else {
            return false;
        }
    }
}

redpajama_set_name: RedPajamaGithub


text:
Man arrested on suspicion of stealing Clinton National Airport shuttle van
Doing Good: Single parent scholarship fund more than just monetary support
Posted: Jun 18, 2019 / 12:20 AM CDT / Updated: Jun 18, 2019 / 01:41 PM CDT
FAYETTEVILLE, Ark. (KFTA) — For 35 years, the Single Parent Scholarship Fund of Northwest Arkansas has been helping families become financially stable and independent.
The success of the non-profit is really the success of the entire community.
"We didn't have a place to live. I had a newborn baby, and my son who was 10. I didn't have any money to feed my kids," says Bernadette Holt, a scholarship recipient.
When Holt moved her family to Arkansas, she found herself at a low point.
"The very first day I went in for welfare, which I thought was going to be a quick in and out — was me leaving that office with a number to the community college, and a brochure for Single Parent Scholarship Fund. I applied for it that same day."
Little did she know, her life would change after being granted an opportunity from the Single Parent Scholarship Fund of Northwest Arkansas.
"They really do care, and they didn't look at me and pity me. They looked at me and saw an equal, and that's still how I feel now. It's brought me to a place to where I don't remember that person so many years ago," Holt said.
The non-profit is paving the way for hope for thousands of single parents across our area, but it isn't just monetary support.
"Depending on their needs, of course we provide the scholarship dollars to provide for their education, the actual financial support. Also the support they need with their kids, family, activities, back to school supplies," says Tyler B. Clark, Executive Director.
It also provides mental and emotional help, career readiness, interview skills, and resume building. These are key skills needed to compliment an education.
"It's a sense of relief. It gives them hope, and they inspire hope back into us as well, because our youngest recipient is 19 .Our oldest recipient is 62," Clark said.
Hope for a better future is exactly what Holt is a shining example of.
Not only is she a graduate of Northwest Arkansas Community College,"That's where I expected to stop, but I got a full ride scholarship from the University of Arkansas through my experience with the college. Now, I'm at the university and I'm majoring in accounting," Holt said.
Her possibilities are now endless.
"I don't know what's going to come after my bachelors degree, I'm just so excited. It's going to be good!"
Scholarship recipients and supporters of the Single Parent Scholarship Fund of Northwest Arkansas will be honored at the 17th Annual Spark of Hope.
Good day NWA's Jaclyn House will be hosting the event on Thursday, June 20 at the Fayetteville Town Center.
For tickets, and to find out how you can get involved, click HERE.
More FOX24 Stories
FAYETTEVILLE, Ark. (KFTA) — KNWA and FOX24 will host the 5th annual Give Kids a Miracle Telethon on Wednesday, February 5 and Thursday, February 6 from 5–10:30 p.m.
SEARCY, Ark. (AP) — Police in Searcy are working to identify a man who was found dead near a creek over the weekend.
The Arkansas State Crime Laboratory determined that the man died from a medical condition, but Searcy police said in a press release that investigators still don't know his identity.
MCDONALD COUNTY, Mo. (KODE) — The McDonald County Sheriff's Office is asking for the public's assistance in an investigation concerning the killing of two sheep in the area.
On Tuesday, January 14, 2020, at an address on Route E North of Powell, unknown suspect(s) shot, killed, and beheaded a young pregnant sheep. The suspect(s) took the sheep's head with them and left the body
FOX24 Video
School Choice Week (Fox)
You Ask, We Investigate: Polystyrene Trays in Schools
KNWA News Today
Bentonville sees return on tourism investment
Win Allen's Food Market New Year shopping spree
Don't Miss / 1 month ago


Submitted by David22 on Fri, 07/04/2014 - 13:19.
Even though William LePar's spiritual source, The Council, comes from a level of spirituality where they no longer have names or professions. However, they have great compassion for those of us who still occupy physical bodies. In this posting The Council gives insight into how they left the physical world on a permanent basis.
Questioner: Thank you, Council. The members of The Council, the twelve souls that you are, when you walked the earth plane, such as we do today, what path did you take to achieve the necessary spiritual awareness so that you no longer needed to reincarnate? And were you doctors, lawyers, and so on?
The Council: We are the same soul quality, the same creation that each of you are. As we said, we once had physical bodies, we once had lives. We did all the things that we should not do, and eventually we learned to do all the things that we should do. Were we doctors, were we lawyers, were we this or that? We were all things at one time or another. Did we just come into the material form once and then achieve some great illumination and pass on into the God-Made Heavenly Realms? No. We learned by the trials of the fire, just as you are learning. What path did we take? Well, we all tried many paths. We tried the easiest paths possible or at least we thought they were the easiest paths, until one day, one episode, one life, each of us as individuals stumbled upon the secret: You can only receive what you have given. At that point we realized that if we wanted the love that we needed for our own recognition of our godhead, we had to give it. And so that was our point of turning. That was the cleansing fire, that was the transmutation, and you might say that was the spiritual resurrection of ourselves. Does that answer the question?
Questioner: Well, just one more. Thank you, Council. Do you all stay the same or do you go on and change or does someone go on and then another soul come in? Does The Council constantly stay the same?
The Council: No, The Council constantly evolves. The Council is a forum for those of us who have reached this level of awareness, of godliness, to be able to give one demonstration, one final demonstration, to man in his darkest hour of need. During one communication all twelve can be renewed or changed. In one communication it is possible that only one would be replaced. In a communication, those twelve that originally started may stay till the very end. It is the need of the individual. It is the desire to reach the final state of existence, and that is the total mergence with the Godhead, still maintaining your own unique identity, still with your own knowing, your own awareness, nothing lost only glorified and magnified a million times over.
Next posting: Healing Part 1 - What Actually Takes Place.


Kiplinger's bases its rankings on a combination of academics and affordability, including test scores, admission and retention rates, student-faculty ratios, graduation rates, and cost and financial aid.
The MUP Center's annual report offers analysis and data useful for understanding American research university performance. The report covers institutions that have federal research expenditures of at least $40 million and that fall within the top 25 on at least one of nine institutional measures.
total federal obligations (funding) for science and engineering, and total R&D expenditures.
From the Center for World-Class Universities at Shanghai Jiao Tong University. ARWU indicators include the number of Nobel Prizes and Fields Medals, the number of Highly Cited Researchers, the number of articles published in Nature and Science, the number of articles indexed in Science Citation Index – Expanded and Social Sciences Citation Index, and per capita performance.
A ranking based on academic research performance and global and regional reputation.
A measure of the performance of scientific papers from the world's top research universities in the areas of research productivity, impact and excellence.
192nd (tied) overall international ranking, 72nd U.S.
Plant & Animal Science: 20th world, 10th U.S.
Agriculture: 32nd world, 17th U.S.
Agricultural Sciences: 23rd world, 10th U.S.
Mathematics: 60th world, 27th U.S.
Engineering: 68th (tied) world, 21st U.S.
Civil Engineering: 66th world, 12th U.S.
Electrical Engineering: 118th world, 41st U.S.
Materials Science: 66th world, 19th U.S.
Mechanical Engineering: 56th world, 19th U.S.
Environment/ Ecology: 87th (tied) world, 36th (tied) U.S.
Chemistry: 97th world, 30th U.S.
Geoscience: 166th (tied) world, 53rd U.S.
Physics: 186th (tied) world, 58th (tied) U.S.
Life Sciences: 209th world, 80th (tied) U.S.
The Ranking Web, or Webometrics, is the largest academic ranking of Higher Education Institutions, performed by the Cybermetrics Lab (Spanish National Research Council, CSIC) to provide reliable, multidimensional, updated and useful information about the performance of more than 24,000 universities from all over the world based on their web presence and impact.
Listed among "Academic Programs to Look For: Writing in the Disciplines".
Population: Schools in the National Universities category offer a full range of undergraduate majors, plus master's and doctoral programs. These colleges also are committed to producing groundbreaking research.
Population: Regionally accredited colleges or universities with a total enrollment of at least 200 students. Does not include institutions where the undergraduate student population consists almost entirely of nontraditional students, or institutions that offer most or all of their degrees in fine arts, performing arts, business, or engineering.
Methodology: The overall Best Global Universities rankings encompass the top 500 institutions spread out across 49 countries. The first step in producing these rankings, which are powered by Thomson Reuters InCitesTM research analytics solutions, involved creating a pool of 750 universities that was used to rank the top 500 schools. To be included in the 750, an institution had to first be among the top 200 universities in the results of Thomson Reuters' global reputation survey. Next, an institution had to be among those that had published the most number of articles during the most recent five years, de-duplicated with the top 200 from the reputation survey.
Population: The Ranking system employs bibliometric methods to analyze and rank the scientific paper performances of the world's top 500 universities. Of more than 4,000 research institutions listed in Essential Science Indicators (ESI), this ranking system first selected top 700 institutions based on the number of published journal articles and number of citations, later removing the non-university institutions.
Population: The Ranking Web correlates highly with other Rankings, especially those based on research results. It has fairly large coverage as it ranks more than 20,000 universities worldwide and also the university missions.
Population: Sixteen thousand higher-education institutions worldwide. Web presence measures activity and visibility of the institutions on the Internet and is a good indicator of impact and prestige of universities. Rank summarizes the global performance of the university, provides information for candidate students and scholars, and reflects commitment to the dissemination of scientific knowledge.
Population: Best Value Colleges for 2013 were selected based upon institutional data and student opinion surveys collected from Fall 2011 through Fall 2012.
First compiled in 2004, the QS World University Rankings currently considers over 2,000 institutions and ranks over 800. The top 400 are ranked individually.
Methodology: The Times Higher Education World University Rankings 2012-2013 are the only global university performance tables to judge research-led universities across all their core missions – teaching, research, knowledge transfer and international outlook. See: http://www.timeshighereducation.co.uk/world-university-rankings/2012-13/world-ranking/methodology.
Population: Institutions with more than $20 million in federal research expenditures. Medical schools are defined as institutions accredited by the American Medical Association.
Population: Accredited U.S. Universities offering programs in science and engineering.


Published by Michele Lerner on March 04, 2013 in New Home Loan .
Even FHA lenders, though, have raised their standards for borrowers. According to Ellie Mae, the average credit score for an approved FHA purchase loan in 2012 was 700 with a debt-to-income ratio of 41 percent.
The average credit score for a denied FHA loan application for a home purchase was 667, with a debt-to-income ratio of 47 percent.
Credit score. As you can see, even FHA lenders prefer borrowers with a higher credit score than the minimum of 620 or 640. A lender can give you tips on how to improve your credit so that you can eventually qualify for a loan. In addition, if you have paid off debt and have a low debt-to-income ratio or extra cash for a bigger down payment, a lender may approve you now.
Debt-to-income ratio. The maximum debt-to-income ratio for most lenders is 41 to 43 percent. The lower your monthly debt obligations in comparison to your gross income, the better, so try to reduce your debt problems and boost your income before applying for a mortgage.
Cash. You'll need cash for a down payment of 3.5 percent with an FHA loan and cash for closing costs as well as reserves. The more you have in savings, the better risk you appear to mortgage lenders.
Fill out the form on this page to reach mortgage lenders who can advise you on your individual quest for a home loan.
0 Responses to "3 things that affect your home-loan approval"


There are specifications regarding the filling of passport forms , both the main and the supplementary form. Since passport forms are machine readable (by ICR scanners), forms which are not filled properly will not be read properly and can be rejected. Information to be included in your passport will be derived from the form. Therefore, it is important to provide clear and accurate details. It is also a criminal offence to deliberately provide incorrect/incomplete details or withhold information required.
How To Fill Passport Form Offline ?
Writing: Fill all details in the form in CAPITALs, with one letter to each box, in a simple clear writing. Ensure the details are within the box and not on our outside the borders. Leave a space to separate each word.
Name: Ensure you write your name clearly with one letter to each box as per the instruction i.e. given name or surname or other names. Leave a space to separate each name.
Pen: Use ball-point pen in blue or black only and not ink pen. The ball pen nib should be thin to ensure maximum legibility.
Options: When you have to choose from different options e.g. gender, use an to mark the appropriate box. Don't use tick marks or other symbols.
Fill only relevant columns: Fill in only those details that are required of you and leave the remaining blank. Don't strike out or mark as not applicable or NA' if a field doesn't apply to you.
Do not paste a photograph if the form is to be submitted at a PSK or a mini - PSK. If the form is to be submitted at other centers viz. DPCs, SPCs or CSCs (click here to know more about applying through these centers) you will have to paste a photograph of the following dimensions and particulars.
Sign under the passport in the box provided. In case of minor applicants, the signature/thumb impression will have to be of the minor only. Parents/guardians should not sign, under the photo, on behalf of the minor. Ensure your signature/thumb impression is well within the box to be accurately scanned.
Column 1.2 Here you specify if you're applying to reissue a passport or if you're applying for another passport in lieu of a current passport. If so, put an an in the box against the option Re-Issue of Passport'. This column will have to be filled in along with Column 7.1 (find below) which pertains to particulars about your current passport. You will also have to specify the reason choosing from the following options.
You want another passport to supplement your existing one because you've exhausted or used up all the pages in your current passport.
Change in appearance, signature, given names, surname, birth date, spouse's name, address, Deletion of ECR, Other changes to be specified in the boxes mentioned below.
Column 1.4 This specifies the Type of Passport Application ' you're making. Choose the appropriate option by marking an in the box.
Column 1.5 This is where you specify the number of pages you want in your passport by marking an in the appropriate box.
Column 1.6 This is where you specify a minor's passport validity required by marking an in the appropriate box.
Between 15 and 18 years old: Choose between 10 year validity or years until the minor turns 18 years of age.
Note For minors up to 15 years old leave this section blank since the validity is, by default, set to 5 years or up to 18 years of age, whichever is earlier.
Column 2.1 Here, you will have to fill in your full name as you would like it to appear on your passport. Initials are not allowed.
This includes your given or first name and your surname or last name.
Given names include first and middle names. 45 boxes (for 45 letters) are provided for these names.
Surname is your last name/family name. 45 boxes (for 45 letters) are provided for this name. Leave the surname boxes blank if you don't have a surname. Alternatively, your surname may consist of two or more names, in which case, fill them all.
Don't use initials, titles, honorifics etc.
A space i.e. one blank box, should separate each name.
Column 2.2 This is where you specify whether you have an alias (names other than your given names) by marking an in the appropriate box.
Colum 2.3 This is where you specify if you have changed your name in the past by marking in the box against the appropriate option.
Yes If you have made prior changes to your name. This will include both minor and major changes. It also pertains to those who change their names post marriage viz. married women. Details pertaining to this will have to be filled in the Supplementary Form in Column 2.
No If you have never made prior changes to your name.
Name of the State or Union Territory, in India, where you were born.
Name of the Country if you were born outside India. Note - If you were born outside India before August 15th 1947, in what is now called Pakistan or Bangladesh, then fill the boxes with Undivided India'.
Column 2.6 Specify your gender here by marking an in the box against the appropriate option. There are 3 gender options provided in the passport form viz.
Column 2.7 Specify your marital status here by marking an in the box against the appropriate option. There are 5 options provided viz.
Column 2.8 Specify how you obtained Indian citizenship by marking an in the box against the appropriate option. There are 3 choices viz.
Column 2.9 Provide you PAN here by filling in each box with each character of the number. If you don't have a PAN number, leave this section blank.
Column 2.10 Provide your Voter ID number here by filling in each box with each character of the ID. If you don't have a voter ID, leave this section blank.
Column 2.11 This is where you specify the type or nature of your employment or your occupation by marking an in the box against the appropriate option. There are 12 options provided viz.
Public Sector Undertaking (PSU) employee, Government employee, Employee of a Statutory Body, Private Sector employee, Retired government employee, Retired private sector employee, Self-Employed person, Partners, Owners, Directors, of companies which are members of the CII or FICCI or ASSOCHAM, Person not-employed, Homemaker, Students, Others (to be specified in the boxes provided below).
If you choose any of the first 3 options, you will have to fill Column 2.12 as well.
Column 2.12 Provide the name of the PSU, Government organization or Statutory Body that you're employed with by filling in the boxes below. Leave a space to separate names. 36 boxes are provided for this.
Column 2.13 This is where minor applicants specify if their parent(s) are government employees and where major applicants specify if their spouse (if any) is a government employee by marking in an against options Yes' or No'.
Column 2.14 This part is deals with the applicant's educational background. Mark an against your highest qualification from among the options provided viz. 5th standard or lower, 6th to 9th standard, 10th pass or Graduate or above graduate.
Column 2.16 In the boxes provided in this section, you will have to mention any type of physical, bodily marks that are apparent on your person e.g. a large birthmark or scars etc.
Column 3.1 Enter your father's full name here, starting with his given name i.e. first and middle names followed by his surname.
Column 3.2 - Enter your mother's full name here, starting with her given name i.e. first and middle names followed by her surname.
Column 3.3 In case of minors, enter the legal guardian's full name here, starting with his/her given name i.e. first and middle names followed by her surname.
Column 3.4 Enter your spouse's name here (if any), starting with his/her given name i.e. first and middle names followed by her surname.
Column 3.5 This section applies to minor applicants. The minor's parents' or legal guardians' passport file numbers will have to be entered here. If the minor's parents or legal guardians have also applied for passports which haven't been issued yet, the file numbers can be filled in. Fill in one character in each box. Also, if the minor's parent(s) or legal guardian (s) are of a nationality other than Indian, this has to be specified in the boxes provided. If the parents/guardians don't have a passport file number, minor passport will be issued post PV only.
Column 4.1 - Here, you will have to enter the year and month since which you have been residing at your current address. The Supplementary Form will have to be filled in case your duration of residence at the current address is less than one year - Column 3 and Column 5 if you are a temporary visitors to India.
Column 4.2 Provide details of your current address viz. your House and Street Number / Name, Village/Town/City, District, Police Station (click here to know your police station), State/Union Territory, Pin Code. You will also have to provide your Mobile/Telephone (landline) number and email id. Fill in one character per box.
Column 4.3 If your permanent address is the same as the current address mentioned above, mark an in the box against the option Yes'. If it differs, choose the option No' and fill in supporting information in the Supplementary Form Column 4.
Enter details of a person you deem to be your contact in case of an emergency i.e. when you can't be reached. Fill in the boxes provided with your emergency contact's name. If the contact's address differs from your current address, as mentioned above in column 4.2, fill in the address as well. Also provide the contact's phone numbers and email id.
Column 6.1 - Name your first reference along with his/her address and phone numbers.
Column 6.2 Name your second reference along with his/her address and phone numbers.
Column 7.1 This is where you enter your current passport details viz. the passport number, issue and expiry date, and place of issue. If your passport expired and you don't have a current one, enter details of the old passport. Similarly in case of lost or damaged passports which haven't been replaced.
Column 7.2 If you don't have a passport or haven't held on earlier but applied for one that wasn't issued, mark an in the box against the option Yes' and provide the passport file number along with the date and month you applied for it and the name of the passport office as well. If you haven't applied for a passport choose the option No' and leave the remaining boxes blank.
Column 8.2 If you have, in the 5 years prior to this application, been convicted and imprisoned for 2 or more years, criminally, mark an in the box against the option Yes' and provide supporting details in the Supplementary Form Column 7.2. If not, choose No'.
Column 8.3 If prior passport applications have been denied/rejected, mark an in the box against the option Yes' and provide reasons for the same in the Supplementary Form Column 7.3. If not, choose No'.
Column 8.4 If you've ever had your passport revoked or impounded prior to this application, mark an in the box against the option Yes' and provide reasons for the same in the Supplementary Form Column 7.4. If not, choose No'.
Column 8.5 If you've ever been given/applied for political asylum by/to a country other than India, mark an in the box against the option Yes' and details in the Supplementary Form Column 7.5. If not, choose No'.
Column 8.6 If you were ever deported or repatriated to India from another country, or have had to return to India using an Emergency Certificate, mark an in the box against the option Yes' and details in the Supplementary Form Column 7.6. If not, choose No'.
(To know about Emergency Certificate, click here).
Column 9.2 If passport fee was paid via Demand Draft (DD), enter in the boxes provided, the DD details viz. number, issue and expiry date, bank and branch name.
List out correctly, all supporting documents enclosed for submission with the application. (Find out what documents you have to submit along with your application here).
This is a declaration printed at the end of the application form. It states your allegiance to India and that you have not chosen another country's citizenship or passport/travel papers. It also states all information you've provided in the application is true and accurate and that you are aware it is a criminal offence to do otherwise.
Once you read this, fill in the box marked place e.g. Bangalore, Chennai, Lucknow etc. and enter the date i.e. the date when the form is filled.
Clearly sign the form in the box provided. (Left thumb impression for illiterates).
In case of minor applicants, either parent can sign on behalf of the minor.
As with the main form, this form should be filled clearly in Capitals only using a ball-point pen. Use only black/blue ink.
Column 1.1 - Fill in the first alias / other name that you are known by (i.e. other than your official names). Do not fill in initials.
Column 1.2 - If you go by more than one alias, fill in the second alias/other name. Do not fill in initials. Leave the column blank if you have only one name to provide.
Column 2.1 and Column 2.2 - You can give up to the latest two most recent names prior to name change/modification in your passport. Provide your past given names and surname. Leave the second column blank if you have only one name to provide.
Column 3.1 and Column 3.2 - Fill in up to 2 addresses that you have resided in prior to the current one. Provides the dates indicating the duration of your stay at each of the addresses. Also provide a reference with name, phone numbers and email id for each of the addresses. Leave the second column blank if you have only one address and reference to provide.
Fill in address details of your permanent including the house and street number/name, village/town/city, district, Police Station (find the relevant Police Station here), State/Union Territory, Country, Pin Code and phone numbers.
Fill in address details of the place you are currently staying at while on visit to India; including the house and street number/name, village/town/city, district, Police Station (find the relevant Police Station here), State/Union Territory, Country, Pin Code, phone numbers and email id.
Fill in the passport number, its issue and expiry date and the place where it was issued.
Column 7.4 - Fill in the reason for your passport having been impounded or revoked in the past. You will also have to provide the number of the passport that was impounded/revoked.
Column 7.5 - Enter here, the name of the foreign country that by/to which you were given/you applied for political asylum.
Column 7.6 - Enter the following details of the Emergency Certificate you used to travel with - The EC number, its issue and expiry date, the name of the authority that issued it, the name of the country you were deported/repatriated from and the reason for your deportation/repatriation.
Sign or put your left thumb impression in the box provided. In case of applicants who are minors, either parents can sign on his/her behalf.
The Rajya Sabha said that the idea to issue a separate orange passport to an unskilled worker and to an applicant who requires immigration clearance has been dropped after constant demands to reconsider the decision.
V K Singh, the Minister of the MEA said that the decision was made after accepting the proposal from a committee comprising of three executives of the MEA (Ministry of External Affairs) and MWCD (Ministry of Women and Child Development).
V K Singh, however, said that the ministry received various collective and individual representations requesting for a reconsideration of the decisions.
After detailed discussions with several shareholders, the ministry decided to continue with the current practice.
The Regional Passport Office (RPO) in Hyderabad has processed and issued the second highest amount of Passports in the country during the year ending 2015 - 2016. The RPO in Hyderabad issued 6.7 lakh passports during 2015. The RPO in Lucknow saw the highest amount of Passports being processed and issued during 2015, with the total number of Passports being issued standing at 9.48 lakhs. Warangal, the second largest city in Telangana after Hyderabad is considering a Passport Seva Kendra (PSK) and has requested the RPO in Hyderabad to examine the feasibility of such a project.
The Ministry of External Affairs(MEA) had taken the decision to start the attestation facility for job seekers at the Regional Passport Office(RPO). It was effective from October 13 onwards in Mumbai. According to Swati Kulkarni(Regional Passport Officer), this decision was taken after MEA decided to decentralise the whole process. She also said that the residents of Maharashtra, Dadra Nagar Haveli and Daman and Diu can now apply at the attestation application centres. Decentralisation has made the process much easier for the applicants as earlier they had to visit the MEA office in New Delhi for this purpose. Currently, attestation and apostille facilities are already available at the Regional Passport Offices in Guwahati, Chennai and Hyderabad. The Ministry has plans to spread it out to other places also such as Goa, Chandigarh etc soon.


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Home › Carcass "Despicable" 10"
Carcass "Despicable" 10"
Limited Electric Blue vinyl!
True metal originators, Carcass influenced extreme metal all over the globe with early records like "Symphonies of Sickness" (1989) and "Heartwork" (1993). After a seventeen year album sabbatical, critics and fans alike lauded 2013's "Surgical Steel", the band's first record since "Swansong" (1996), and the bands return to form. Bigger than ever Carcass toured the world for years supporting the album. In the lead up to a new 2021 full length Carcass will be offering the ep "Despicable" on Oct 30.


Issue : Current law unfairly makes military survivors forfeit part or all of their military Survivor Benefit Plan (SBP) annuity when military service causes the member's death.
Background: SBP allows uniformed services retirees to elect to provide continuing financial support for an eligible survivor. SBP provides the survivor 55% of the servicemember's military retired pay. Enrollment is elected at the time of retirement, and the retired member pays 6.5% of retired pay as a premium. Automatic coverage is extended to survivors of servicemembers who die on duty.
Dependency and Indemnity Compensation is a VA program providing a modest annuity for survivors of veterans whose death is determined to have been caused by military service.
Under current law, survivors who are eligible for both SBP and DIC must forfeit a dollar of their SBP annuity for every dollar of DIC received from the VA. Often, the offset wipes out the SBP annuity the military retiree paid for. In such cases, the survivor receives a proportional refund of SBP premiums - with no interest on what often has been many years of premium payments.
The October 2007 report of the Veterans Disability Benefits Commission urged elimination of the offset for all SBP-DIC widows, asserting that when military service causes the member's death, the indemnity compensation from the VA should be paidin addition to SBP coverage, not subtracted from it.
In multiple Congresses, a majority of House and Senate members acknowledged the inequity and cosponsored corrective legislation to recognize SBP and DIC are paid for different reasons. SBP is a servicemember-purchased annuity, whereas DIC is an indemnity payment when military service caused the member's death. Further, service-disabled retirees have limited opportunities to purchase additional life insurance, and policies that are available impose exorbitant premiums.
In 2008, Congress acknowledged the inequity in law, authorizing a modest Special Survivor Indemnity Allowance (SSIA) for SBP-DIC widows to begin phasing out the offset. In June 2009, Congress took the next step, increasing SSIA monthly payments to $150 beginning in FY2014 and rising to $310 in FY2017.
The accompanying House Armed Services Committee press release said,"This legislation (SSIA) is latest step in our continuing effort to eliminate the so-called 'widow's tax', which has long denied surviving family members the full payment of their Survivor Benefit Plan benefits… this bill does not completely end the offset … the House Committee …will continue to explore every opportunity to pursue legislation that brings us closer to eliminating the 'widow's tax'."
In the ultimate irony, a separate law, validated by the courts, terminates the offset for SBP-DIC-eligibles who remarry at age 57 or later. So current law punishes survivors who remarry before age 55 by ending their SBP and DIC eligibility - and punishes survivors age 57 or older who don't remarry by imposing the SBP-DIC offset.
No other federal surviving spouse is required to forfeit his or her federal annuity because military service caused their sponsor's death. Further, the offset does not apply to surviving military children - only to the spouse. And no other federal survivor is required to remarry to avoid a reduction in his or her survivor annuity eligibility.
The FY2018 NDAA permanently extended SSIA payments at $310, and will adjust that payment according to COLA each year going forward.
Click on blue hyperlink below to complete an email.
SENCLAND Chapter maintains a non-partisan policy just as the National and NC Council of Chapters. We are dedicated to maintaining a strong national defense and ensuring our nation keeps its commitment to all serving and all who have served our country.
Please click on blue hyperlink below.


Posted on April 9th, 2006 by Dave Johnson.
Not to be confused with another Dave Johnson like the one of Blog Roller fame, I am a software developer / tech writer / blogger / scientist living and working in Vancouver where there is lots of great mountain biking and skiing. Back in the wild west of Web 1.0 circa 1998 Andre, James and I started a little web development shop while still in high school. Today Nitobi and has grown organically based entirely on our hard work and a generally mythical thing called revenue. At the same time I have received a few degrees from the University of British Columbia (BASc in Electrical Engineering) and Imperial College London (PhD in Experimental Solid State Physics - just about got a world record single junction efficiency).
I shared emails with you last year about geospatial apps on mobile phones. I develop mostly in Flash/Flex. I'm wondering where we stand now on running flash/flex mapping apps on mobiles? Last time we spoke I think flash lite was a possible option. I'm eagerly anticipating building Flash/Flex apps on mobiles, maybe even with GIS capabilities.


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'Wage theft' inquiry headed into dangerous ground
The Queensland Parliament's inquiry into what it terms "wage theft" risks turning mathematical errors into criminal offences, Australian Industry Group Queensland Head Shane Rodgers said today.
The Parliamentary inquiry, which begins public hearings this week, defines wage theft as "when an employer fails to provide their employees with the full wage or salary to which they are entitled".
"The characterisation of such behaviour in terms of 'theft' is misleading, inappropriate and has the potential to unfairly brand every failure to correctly calculate an employee's pay as criminal," Mr Rodgers said.
"This is taking us to very dangerous ground. The vast majority of employers devote considerable resources to navigating the often-complex remuneration maze to ensure their people are paid correctly.
"The idea that someone misinterpreting a requirement or making a mathematical miscalculation could be criminally culpable is a sobering proposition for Queensland companies, particularly small businesses with limited payroll resources.
"The notion of holding an inquiry into a loaded buzz-term like 'wage theft' is also the wrong approach to a complex issue and a highly inappropriate starting point for a balanced community discussion on wage compliance," Mr Rodgers said.
Ai Group's submission to the inquiry makes the following points:
Ai Group encourages lawful workplace practices by all parties, and does not support any deliberate underpayment of wages or other entitlements.
Ai Group spends considerable time helping to ensure that members can work out the appropriate pay rate for their people.
Many instances of incorrect payments are the result of misunderstanding or error by companies. Employers should not be labelled "thieves" for such mistakes. Exposure to criminal penalties, including imprisonment, for underpayments would discourage investment and employment in Queensland.
There are already considerable disincentives for employers to underpay employees under the Fair Work Act. If there is a systematic pattern of deliberate misconduct, individuals can be fined $126,000 and corporations $630,000.
Any move by Queensland to go it alone on new wage compliance laws would undermine the good work done creating a consistent national IR system under the Fair Work Act. The then Industrial Relations Minister Cameron Dick was highly supportive of this national approach at the time.
Workers have access to a number of options if they think they have been underpaid. The Fair Work Ombudsman's (FWO) 2016-17 annual report said requests for assistance were resolved in an average of 15 days and most disputes were resolved in seven days.
The FWO's audit of companies previously found to be in breach of workplace laws found the majority had subsequently become compliant.
For further comment:
Shane Rodgers – 0423 021 268


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<< Back to Passportable
Coming Soon: Planes with Skylights?
In the never-ending quest to figure out new enticements to squeeze cash out of passengers, airline operators in a corner: There's not much space to add more stuff.
According to The Telegraph, an aviation inventor has come up with a new twist. It's a bubble-shaped skylight that passengers can pop their heads into, giving them a 360-degree view of the sky as they fly through it.
As envisioned, the bubble would be positioned near the rear of the jet, where wind drag would be close to negligible, and treated to prevent both condensation and UV rays.
Naturally, airlines would charge people to get near them. But just imagine the future: Airports full of planes with heads popping out of them, like meerkats with black credit cards, so everyone will know who's the richest person on board.
The developer put together this video to show an extreme, Jetsons-style application of how the seating might work. Watch it and tell us you wouldn't want to sit here during a 10-hour flight. Not that any airlines are currently installing them—no takers so far—but it's now on the menu for the future.


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Around the world at 80 years
DELRAN, N.J. - August 16, 2009 At 80-years-old he rode his bike cross country from Oregon to New Hampshire.
The bike tour was 3,685 miles, but it was a challenge he had to take.
"I wanted to see if I had the strength and stamina to do it," Damiano said.
John didn't start riding until he was 40-years-old. He had high blood pressure, problems with his gall bladder, when something his father said made him change his lifestyle.
"My father he said, 'my boy remember, you have to close the casket on me, not me on you,'" Damiano said.
So John picked up his bike, became a vegetarian and watched his health turn around. He credits his healthy diet for keeping him fit and looking way younger than his real age.
It took about six months of preparation for John to be ready for the cross country ride. He road around the streets of Delran and over in Bucks County so he could be ready for the grueling schedule.
"It was 50 days, some days we'd get up at 4:30, then get on the bike, go 120 miles, we did 100 miles five days in a row," Damiano said.
Whether his trip qualifies him for the Guinness Book of World Records, he's still waiting to hear. For now, John is already talking about his next adventure, which will be riding his bike from St. Petersburg, Russia to Istanbul, Turkey.
"I want to see all the developments. I want as many years as I can," Damiano said.
And he shows no sign of slowing down.
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Marvin J. Wolf
Biography and Nonfiction >
Abandoned in Hell
Beating The Odds
Bhudda's Child
The Japanese Conspiracy
They Were Soldiers
Where White Men Fear to Tread
True Crime >
Family Blood
Rabbi Ben Mysteries >
For Whom The Shofar Blows
A Tale of Two Rabbis
A Scribe Dies in Brooklyn
Bride of Finkelstein
Chelmin and Spaulding CID Mysteries >
M-9, A Chelmin and Spaulding CID Mystery
The Zombie Deception
Photography Books & Art
Photo Backstories
Freedom, Of A Sort
Shivering in the slush by the Kedzie streetcar stop, I wished that I had used the toilet again before leaving. My head ached and I was a little dizzy, but I understood when Mom explained why my errand was so important. I was not to dawdle; I was to go straight to the Loop, deliver cash to an office in a big building, get a receipt, come directly home. She pinned the envelope inside my coat with a giant safety pin, the kind used by laundries, then wrote out directions for the streetcar and bus.
Mom gave me two nickels for carfare. I put them in my pocket, but she took them out, felt around inside.
"When I'm feeling better I'll mend that hole," she said. "Keep the money in your mittens."
I was a little scared. At nine I had traveled by trolley, but always with Mom or Dad. Not even Freyda, who was 12, was allowed alone on a bus or streetcar.
"Why can't Freyda go?" I complained while buckling my galoshes.
"She has the flu."
We all had the flu. Even Dad was sick, but since he couldn't afford to lose a day's pay, he went to work. Mom was the sickest, and she also had to take care of Ted, who was in kindergarten, and Ila, the baby.
"Anyway, it isn't safe to send a young girl by herself," she continued. "Nobody will bother a boy."
"But you never let me go on the bus or streetcar by myself," I whined. "Who do I give the nickel to?"
"You've seen me do it," she said. "Drop the nickel into the box by the driver. Be sure to ask for a transfer. Both ways. You'll need one transfer to get there, and another one to get home."
I paused at the door. "Mom, can I have another nickel?" I asked.
"In case I get lost, then I could call home."
"Don't get lost," she said.
When the streetcar stopped, I climbed the high steps, nearly losing my balance as it started with a clang before I was all the way up. I clung to the rail, then dropped my first coin in the box.
"Transfer?" said the driver, and I said yes, please.
"I have to get off at Jackson Boulevard," I said.
"Don't call stops," said the driver, looking me over. "Ask somebody or watch the street signs."
Down the aisle I went, pushing past people clutching dangling straps. The car lurched as we braked, and I had to grab at the handle in the corner of a seat to keep from falling. An older woman smiled at me, and I smiled back.
"Would you please tell me when we get to Jackson Boulevard?" I asked.
"Oh, honey, I get off before that," she said. As we rolled south down Kedzie the sun vanished and the morning sky grew dark. A brisk lake wind shook the streetcar and pelted the windows on the driver's side with big flakes. I worried that I would miss Jackson, but agonized more about the fiery pain wrenching at my gut: I was afraid that I might soil my pants. Trying to ignore the throbbing, I peered out the windows at a billowing white curtain.
When the woman who had spoken to me got up, she said, "It's about six or eight more blocks to your stop, I guess." She pulled the cord that ran above the windows, and stepped into the blowing snow.
I counted the stops, thinking about what to do if I got off too early. I knew the car usually stopped every two blocks, so I would just walk the rest of the way, I decided. As what I hoped was Jackson approached, I asked a man to pull the cord; jumping down from the step, I slipped and fell. In my fear I lost control, and the thing that had worried me more than getting lost happened.
The sign at the corner didn't say Jackson. At the next block, I crossed to a service station. In the rest room I peeled off my galoshes and tennis shoes and finally the long johns, my teeth chattering. There was no toilet paper, only a dirty towel jammed in a wall roller. I used my shorts and tap water to clean myself, dried my hands on my shirt, left the ruined shorts in the wastebasket. I sat on the filthy floor to pull on my overshoes.
It was three more blocks to Jackson. Waiting for the bus there, I pulled down my cap earflaps and sought shelter in a doorway. I had no watch, but after what seemed like a very long time, I realized that almost nothing was moving on the streets. Cold and thirsty, stamping my feet to restore circulation, I weighed my options. I must deliver the envelope before five, when the office closed, or the finance company -- Dad called them "loan sharks" -- would take our furniture. I was closer to the Loop than to our apartment on Irving Park Road. Maybe the snow would stop soon, I thought.
When it didn't, I left the doorway and began walking east through the snow. Flakes stung my cheeks and forehead, gusts pushed me backward. Drifts blocked my way or sucked at my galoshes. I bowed my head and kept moving, glancing over my shoulder every few minutes for the bus. I thought about turning back -- but back to what? I went on, concentrating on a cadence in my pace: Breathe in, step step step, exhale, step step step, inhale, step step step. On and on I tramped, the air searing my lungs, the breeze knifing through my coat and underclothing. My eyes watered from the wind, and freezing tears threatened to glue my lashes shut; I rubbed them with a mitten again and again. My feet grew sore and my legs ached with effort. Every fourth block I took a short break, catching my breath, huddling out of the wind against the wall of a corner building. I lost all track of time.
After an eternity the wind slackened and the snow stopped. I went on, keeping the rhythm of my pace for a long time, until skyscrapers loomed out of low white clouds. The Loop streets were mounded with snow, but with street signs I had no trouble following Mom's directions. I found the office on the lobby directory board, drank heartily from the water fountain, took a creaky service elevator to an upper floor, knocked fearfully on the closed door. After a few minutes, I knocked again.
After a time I heard footsteps. The door opened a crack. "We're closed," said a balding man in a brown suit. A clock was visible over his shoulder.
"It's not even four, you're open until five o'clock," I said, outraged.
"What do you want?"
"My mom sent a payment," I said.
"In this weather? Your mother sent you out in a blizzard?" said the man, opening the door.
"It wasn't snowing when I left," I said. "It was morning."
"How did you get here?" he asked, hanging his coat on a rack.
"Took the streetcar," I said.
"You found a streetcar running?"
When I explained that I had been forced to walk after leaving the streetcar, the man stared at me. "You walked from Kedzie?" he said.
"I kept hoping the bus would come, but it didn't," I replied, and asked if I could use the bathroom.
"Down the hall. You have a payment?"
Numbed fingers struggled with buttons. It felt hot in the office, and I was flushed and lightheaded. The safety pin was too big for me; finally, I handed him my coat. He counted the cash twice, and I buttoned the receipt into my pocket.
When I came out of the toilet, the man was waiting near the elevator.
"It's snowing again," he said. "How will you get home?"
"I have directions for the bus and streetcar."
"I'll drive you," he said. "Irving Park Road is only a little out my way."
I awoke when he touched my shoulder. "You're home," he said, parking near the corner. "Tell me, why didn't your mother mail the payment?"
"Maybe she was afraid it wouldn't get there on time."
"There's a ten-day grace period," said the man. "It's in our standard contract. She could have sent a money order, it would have been okay."
Who knew the ways of grownups? "My mother must have had a good reason," I said, meaning it but wondering all the same.
I gave Mom the receipt, and she fed me soup and put me to bed. I blamed my blistered feet on the combination of sneakers and galoshes, told no one how far I had walked, or that I had accepted a ride from a stranger.
And from that day forward it was understood that I had earned the right to roam Chicago alone by bus, streetcar or on the El, a privilege enjoyed by no friend or classmate. Armed with new self confidence, I went around the city as I pleased, discovering parks and big buildings and exploring distant neighborhoods that seemed like so many new universes. It wasn't yet manhood, but it was freedom of the sort that opened my mind to the fruits of inquisitiveness, a lifelong gift.
Copyright © 2001 Marvin J. Wolf
Jim Graham
Another gem. I could feel the cold as you walked, and I remember the fear of riding a bus and not knowing when or where to get off. I think you could have made the "loan shark" a bit more terrifying.
Donna weinberg
I was feeling every emotion. The cold snow and the freezing wind. I too remember the buses and having to watch for your street. Seems like forever ago
jim caccavo link
Sent me back to my early childhood winters on the east coast. Cold! Cold!
FROM Marvin J. Wolf
On this page are true stories, magazine articles, excerpts from books and unpublished works, short fiction, and photographs, each offering a glimpse of my life, work and times. Your comments welcome. © Marvin J. Wolf. All rights reserved.
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