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Iran news: Trump vows to stand up for…
Trump declares opioids a U.S. public health emergency
by news October 27, 2017 03
WASHINGTON (Reuters) – U.S. President Donald Trump declared the opioid crisis a public health emergency on Thursday, stopping short of a national emergency declaration he promised months ago that would have freed up more federal money.
Responding to a growing problem, particularly in rural areas, Trump's declaration will redirect federal resources and loosen regulations to combat opioid abuse, senior administration officials said.
But it does not result in more money to combat the crisis. Some critics, including Democratic lawmakers, said the declaration was meaningless without additional funding.
Republican lawmakers called the president's declaration an important step in combating the crisis.
"This epidemic is a national health emergency," Trump, a Republican, said at the White House. "As Americans, we cannot allow this to continue."
Trump, who also called the epidemic a "national shame" and "human tragedy," was introduced by his wife, Melania, who said she had made fighting the epidemic one of her top priorities as first lady. "This can happen to any of us," she said.
The president also made a personal reference to addiction in his family by citing his deceased brother Fred, an alcoholic whose advice not to imbibe made an impression on Trump, who does not drink alcohol.
The announcement disappointed some advocates and experts in the addiction fight, who said it was inadequate to fight a scourge that played a role in more than 33,000 deaths in 2015, according to the U.S. Centers for Disease Control and Prevention. The death rate has kept rising, estimates show.
Opioids, primarily prescription painkillers, heroin and fentanyl, are fueling the drug overdoses. More than 100 Americans die daily from related overdoses, according to the CDC.
A White House commission on the drug crisis had urged Trump to declare a national emergency. On Wednesday, the president told Fox Business Network he would do so.
U.S. President Donald Trump displays a presidential public health emergency declaration on the nation's opioid crisis in the East Room of the White House in Washington. REUTERS/Carlos Barria
Officials told reporters on the conference call that Federal Emergency Management Agency funds that would have been released under a national emergency are already exhausted from recent storms that struck Puerto Rico, Texas and Florida.
The administration would have to work with Congress to help provide additional funding to address drug abuse, they added. They said they determined that a public health emergency declaration was most appropriate after an expansive review.
Under Thursday's declaration, treatment would be made more accessible for abusers of prescription painkillers, heroin and fentanyl, while ensuring fewer delays in staffing the Department of Health and Human Services to help states grapple with the crisis.
'BAD ACTORS'
Trump said he would discuss stopping the flow of fentanyl, a drug 50 to 100 times more powerful than morphine, with Chinese President Xi Jinping during his visit to Asia next month.
In his remarks, Trump said the U.S. Postal Service and Department of Homeland Security were "strengthening the inspection of packages coming into our country to hold back the flood of cheap and deadly fentanyl, a synthetic opioid manufactured in China."
He added he would consider bringing lawsuits against "bad actors" in the epidemic. Several states have sued opioid manufacturers for deceptive marketing. Congress is investigating the business practices of manufacturers.
The president also said the government should focus on teaching young people not to take drugs. "There is nothing desirable about drugs. They're bad," he said.
Thursday's declaration allows the Department of Labor to issue grants to help dislocated workers affected by the crisis. HIV/AIDS health funding would also be prioritized for those who need substance abuse treatment, officials said.
As a candidate, Trump promised to address the crisis, including by building a wall on the U.S.-Mexico border to stop the flow of illicit drugs, which he touched on in his speech.
Additional actions under the move would be announced in coming weeks by various agencies, officials said.
Additional reporting by James Oliphant, Susan Heavey and Jason Lange; Editing by Kevin Drawbaugh, Peter Cooney and Cynthia Osterman
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Need to stop spending? Try giving money to your parents instead of taking it from them
By Yasmin Jeffery
Photo: As a millennial harbouring a strained relationship with money, Yasmin struggled to save. (Supplied: Yasmin Jeffery)
Related Story: Nine ways for millennials to boost their chances of owning a home and retiring comfortably
Related Story: 'It puts a strain on my relationship': The young adults financially supporting their parents
You've probably clicked on articles like this before.
The headline might read: "How this millennial managed to save $1 million in a year".
And you can almost picture the exclamation marks, can't you? "Follow these steps exactly and you'll be saying goodbye to your 9-5 in no time!"
"Swap your avocado toast for a diet consisting solely of beans and noodles, or something similarly tasteless for the next five years. Do it!"
External Link: How it feels when you get to the bottom of articles about "miraculous" millennial savings
Now, FYI, that last headline isn't real. But don't you feel like you've somehow read it before? In a moment of peak disillusionment, perhaps?
That's because you probably have, in some form or another. The interweb is full of them.
Saving money is no piece of cake. And research suggests that for younger Australians, it's even more difficult.
This is why, at the end of articles about how a *millennial* (of all people) was able to save, the answer always seems to come back to the bank of mum and dad.
But what about the rest of us?
What about those whose parents struggle to make rent pretty much every month, and who might not have the healthiest relationship with money?
Those of us who were entitled to Centrelink before university, when it wasn't all that socially acceptable?
Or those who actually never got into smashed avo toast, because of the price and all?
Photo: Some of us can't actually afford avocado toast. Not that smashed avo is the problem. (ABC News: Yasmin Jeffery)
Of course, there are caveats to this article
Every savings strategy mentioned in this piece works only on the assumption you have a stable, decent-paying job that enables you to put money away; that living out of home before a certain age or while single is culturally acceptable for you; that you are free from the myriad of constraints that hinder saving.
But there aren't any obfuscations of truth.
This is why no attempts have been made to suggest ways to rack up millions in a questionable time frame.
For the majority of people, that isn't even the dream. The dream is often simply having enough to make sure there is a cushion waiting for you, in case it's ever needed.
Here's my story
Growing up, I mainly lived with my mum. Most of the time, we didn't have much money.
I remember worrying about how we would pay for bills far earlier than is probably healthy for a child; wondering when the landlord would finally have enough and kick us out over a late payment.
This has bled into my relationship with money now.
Since things always seemed to work out for my mum and even though we were on Centrelink for most of my childhood, I often struggle to say no to myself when I want something that would have been out of reach when I was younger.
Things aren't as bad as they were then, so I can have it now, right? This is the logic I'm talking about.
For example, I'm somewhat addicted to buying houseplants.
If you come from a similarly disadvantaged background, your relationship with money may have manifested in the same way, even if you have a stable job as I now do. Or it may be an entirely different beast.
I've been aware of my tendency to overspend for about as long as I can remember. But I'm here to (tentatively) say that those days appear to be over. And no, it's not because I developed willpower overnight.
Photo: A handful of my many houseplants — the dead and dying not included. (ABC News: Yasmin Jeffery)
How I'm managing to (slowly) put money away
It all started with a seemingly innocuous conversation with one of my colleagues when I asked for help updating my bank details at work.
"Oh, and did you know you can ask for some of your salary to be put into one account and some in another if you're saving for something?" they said, in words to that effect.
At the time, I dismissed the idea.
I'd tried stashing my money in different accounts before, and it hadn't worked. I always wound up finding some way to justify the purchase of something — anything — and ended up with far less in savings than I would have liked.
And then it twigged.
Why not send part of my salary to an account in my dad's name, for safekeeping?
Don't get me wrong. I totally get the irony in setting up an account with my dad so I don't end up penniless.
It's still a privilege, even though he's not giving me cold hard cash. But I was desperate.
My dad is one of the most stable people in my life, one of the people I can always count on to be real with me about the paltry state of my finances and — most importantly — I would trust him with anything.
After sleeping on it, I did up an actual budget and was brutal about how much I could really afford to put away, before working out how much I'd be happy with putting away.
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This was important as I wanted to make sure I wouldn't feel deprived at any moment in time, and that I would still be putting enough away each fortnight so that the whole endeavour would feel worthwhile.
Then came the conversation with my dad.
To my surprise, he was thrilled I was taking such a serious savings step, and open to setting up an arrangement on my terms.
From there, we discussed when I would be able to make withdrawals and why, and what my main goals were.
Then came the nitty gritty: interest rates, monthly fees, minimum monthly deposits and all the other things your eyes glaze over upon reading.
After we'd agreed on each of these things, I sent the necessary emails to request my salary be split automatically every payday, with a portion sent to my dad and the money I need to exist sent to me, in addition to having a $1,000 buffer always there in my account just in case.
And now, I actually have savings.
What does my dad have to say about all of this?
"I thought the arrangement was a pretty good move, but to me it's just a step of you being in control of your money yourself," my dad said when I asked him what he first thought of the idea.
"I don't really mind [keeping hold of your money] until the day I die, but I'd like to think that you would grow out of it in a couple of years or so."
He tells me he didn't have any reservations going into the arrangement — but is quick to make sure I don't gloss over the teething problems we experienced in the beginning.
Photo: Dad says he hopes I'll "grow out" of the arrangement in a few years. (ABC News: Yasmin Jeffery)
"You've been a bit bad with asking me to withdraw money from it," he said.
But while he disagrees with me occasionally withdrawing money from the account — and isn't into the tedium of bank transfers — he never says no.
"There's a lesson in that," he starts, before trailing off for me to fill in the blanks in what is a very dad move.
"If I keep withdrawing from it I'll have nothing — is that it?" I ask, and his silence is my answer.
What does the expert think?
Guy Freeman, director and managing principal at My Wealth Solutions, says the main thing to take into account with this sort of arrangement is the strain that money can have on family dynamics.
"I would urge any of my clients thinking about attempting something like this to consider what would happen if they had a falling out with their family or if there was ever some dispute over the funds when they went to withdraw them," Mr Freeman said.
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"When family is involved, you might be faced with both emotional and financial stress in the worst situation."
That seems like a fair call to me.
He suggested a way to both enhance this style of saving and remove the negative aspects of it.
With the help of a financial adviser, he says I could "funnel the assets designated for a savings account into a growth-producing asset, such as shares or index funds".
I have no idea how long my dad and I will keep this arrangement going — or whether I'll take on Mr Freeman's advice (baby steps) — but for now it's working for both of us.
'The more you give to charity, the more you get back'
At 22, Tyler Mudge is definitely a millennial. Despite this, he more than manages to put money away — and without the bank of mum and dad at that.
He and his husband are planning on moving house at the end of the year, and then after that they're going for the elusive millennial goal: the home deposit.
While the 22-year-old says he has a pretty healthy relationship with money, having been raised by a single mum who worked three jobs, he does admit to regularly spending more than he probably should at cafes.
He's still confident he'll reach his home ownership goal though, saying "little and often" was how he was taught to save growing up.
Photo: Tyler Mudge donates to charity and claims it back at tax time. (ABC News: Yasmin Jeffery)
But that's not all — to give his savings a boost, the social worker says he regularly donates to charity and has joined a worker's union.
Why? He claims it back come tax time, which gives him a little cash injection that he then puts into his savings.
"So, it's kind of like a really feel-good savings account, where it's like, 'oh, I'm actually being selfless and giving something to the environment', but then you have the ability to get some of that money back," he said.
Mr Freeman says the major pro of this strategy is that Tyler's helping support a charity and a union, "which may help [him] in future and is just generally the right thing to do".
But it also has a major con.
He explains: "[Tyler] will end up paying the marginal tax rate when he claims it back, [so] he'll actually end up with less money than he would have by designating that money towards a savings account or investment asset.
"However ... there are obvious emotional benefits to it, [so] it might be better to think of it as less of a financial strategy and more of a way to support the charities and unions you'd like to support, regardless of your personal financial benefits."
'Be honest with yourself'
New mum Keisha Singleton, 29, says she has a complicated relationship with money because of her upbringing.
She's been working on this relationship at her own pace — and dreams of owning her own home one day — without the support of her parents, who wouldn't be able to help her out.
Photo: Keisha Singleton has managed to use her status as a freelancer to her advantage. (ABC News: Yasmin Jeffery)
On top of caring for her six-week-old baby Felix and two-year-old toddler Willow, Keisha works freelance as a copy editor and content writer.
But despite freelancing's reputation, she's managed to use the fragmented payment system to her advantage.
"With freelance, I have one longstanding job that I basically write off every month and just put straight into savings," she said.
"It's only a small amount, but it makes a difference over a year, and sometimes that's a good aim to have."
At first, she tried to put that money — along with extra cash from other freelance gigs — into a separate account.
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But it ended up being too much for her to handle and she had to withdraw from it anyway.
Her advice?
"Be honest with yourself about what you can afford to spare. Because otherwise you'll keep going through a cycle of withdrawing money and telling yourself you'll pay it back."
Mr Freeman says he'd advise someone in this situation to instead live off a portion of their longstanding freelance gigs, putting the remainder into savings.
From there, he suggests treating any additional cash that comes along from "volatile" and/new gigs, into a savings account as a sort of bonus.
Why is this useful?
"Due to the nature of freelance work, [you might find yourself] dipping into your savings account otherwise," he says.
"This would impact how likely you are to achieve your savings goals and how long it may take to do that."
So that's my story. Even without the bank of mum and dad, I think I actually can save.
You might not end up with a million bucks in a year, and saving still definitely isn't as fun as spending. But I can confirm it sucks less than not doing it at all.
I believe in you.
This article contains general information only. It should not be relied on as finance advice.
You should obtain specific, independent professional advice from a registered financial planner in relation to your particular circumstances and issues.
Are you a woman who needs help to manage your money?
We know you have unique challenges as, overall, research has shown that women:
Earn less than men
Have less superannuation
Are more likely to have career breaks
Have lower levels of financial literacy
It's time to change things. We want to help you to become more confident about money and have the skills and information you need to shore up your financial future.
So let's do it together.
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Topics: business-economics-and-finance, family-and-children, community-and-society, consumer-finance, australia
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UAB - Collat School of Business - Why is AACSB Accreditation Important?
Accreditation by the Association to Advance Collegiate Schools of Business (AACSB) is the international seal of approval for business and accounting programs that insures students receive the most enriching education in business-related programs through high quality, continuous improvement and excellence in education.
UAB is dedicated to meeting the educational needs of students through high quality, rigorous standards of faculty and academic programs, and prepares students to be competitive in the business community and graduate school.
"We have good programs, highest-quality faculty — in terms of their currency and their research— and we have good outcomes," says Wells Fargo Endowed Chair and Dean of the Collat School of Business Dr. Eric P. Jack.
Only approximately 600 business schools world-wide have achieved this seal of excellence and out of that number only 170 schools, including UAB, have achieved accreditation for both business and accounting programs. UAB was among the first 17 accounting programs to receive accreditation by AACSB the very first year the association began evaluating accounting programs in 1982.


The Rickenbacker 320 was introduced in 1958. It was one of the short-scale 300 series electrics (model numbers 310 to 325) with a 20.75" scale length, dot fretboard inlays, and small (12.75" wide) bodies. The body is unbound, semi-hollow (but without any sound holes). These short-scale 300 series models were designed as student models, but became popular when John Lennon played a Rickenbacker 325 during the early years of The Beatles. The 320 is the non-tremolo version of the 325 that Lennon played. The 320 was discontinued as a production model in 1994.
A limited number of 12 string 320s were made - the 320/12 model. Rickenbacker introduced a full scale length version of the 320 in 1985 called the 350 model.
Take the RICKENBACKER 320 price survey.
Buy RICKENBACKER 320 electric guitars.