Sunday, September 30, 2012

Adoption & Foster Care: My Personal Experiences: In It For The Money

Most of the stories in the media about foster care seem to take the most horrendous cases into account, portraying foster children as extremely disturbed or dangerous delinquents and painting foster parents in an equally unflattering light.?

One such unflattering assumption about foster parents which makes me laugh is that ?Foster parents just take in kids for the money.?? Clearly, anybody who believes this has never done foster care.??

Michael and Sarah Gerstenzang were an upper middle class couple who were living in New York City with two young children when they took their first foster placement because, among other reasons they wanted to ?give back to society and help a child.?? Michael was an attorney and as a social worker Sarah always had an interest in child welfare.? When reflecting on her personal experiences, Sarah shared her feelings about the low reimbursement rate foster parents receive:

[My husband ] ?and I were asked numerous times by our friends and acquaintances if we thought that many foster parents were ?doing it for the money.?? (I think middle class people sleep better when we assume that adults are being paid to care for children whom we as a society are responsible for.)? We would first explain that there wasn?t much money in foster care for foster parents, to which some people replied, ?Yeah, but if they take in like ten kids??? And then we would patiently explain that taking in ten kids wasn?t permitted.? But for argument?s sake, if one could take in ten kids, economize, and have a little left over, would it be worth it to have to live with ten kids??

Thank goodness for reforms which limit the number of children in a foster home and thoroughly screen families before giving them a license to make sure they?re fostering for the right reasons.? In our state, one of the requirements for fostering is that the family must be financially independent enough that they don?t have to rely on foster care as a source of income (as verified by income tax returns and paycheck stubs) which hopefully helps to weed out the people who are just doing it for the money versus those who are truly interested in making a difference in the life of a child.

Realistically, it?s not accurate to say that you get PAID for doing foster care- you get reimbursed with a stipend because children not only require much of your time and attention, but cost money to raise.? I love what continued to explain about stipends, drawing on her background of studying social policy as a graduate student:

??The practice of reimbursing foster parents for some of the costs of caring for a child dates back more than one hundred years.? Stipends were initially paid to discourage families from putting children to work to earn their keep.? They were intentionally set at levels slightly lower than the cost of covering the child?s expenses.? The basic argument for the low level of reimbursement applies today:? Foster parents have to want to foster for humanitarian reasons, not for profit. So the people who make the most significant difference in quality of life for the foster children, the foster parents, are the only ones not getting paid; who does get paid are lawyers, judges, social workers, and administrators.? Because they are not employees, foster parents also forgo health insurance and Social Security benefits.? Since the foster system depends on career foster parents and children benefit from their experience, it is a shame that the system doesn?t support and encourage these parents.? And if children can?t be cared for in foster homes (due to either a lack of homes or the child?s difficult behavior) the next step for them is often a group home, which can cost two hundred dollars per day or more, depending on the level of care.?

On a related note, because of a legislative audit last year, my state?s Division of Child and Family Services is shifting its focus on how to spend funds for children in foster care, including less reliance on group homes as well as investing more money on in?home services in an attempt to reduce the number (and cost) of children being placed in out-of-home placements. A newspaper article explaining the changes the recent audit prompted stated, ?While in-home placement provides better outcomes for children, it is unsafe for some children to remain in their own homes.??

Hence the need for foster families!? Herein lies the problem, which the article continues to state:

?The low basic financial reimbursement rate may discourage some people from the 24-hour, seven days a week commitment that foster care requires, national advocates say.?

Props to Utah DCFS Director Brent Platt who was quoted in the article as saying "The reality is, people don?t do it for money.? These are people who want to help children, to give back to their communities."

Source: http://mamamem.blogspot.com/2012/09/in-it-for-money.html

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Tuesday, September 25, 2012

Rhincrew Luke and Galtee Max in conflict for the Grade A2 500 ...

Rhincrew Luke and Galtee Max in conflict for the Grade A2 500 metres flat race ?

The Grade A2 500 metres flat has pulled together quite a few entries who have the potential to bag the ?102 prize money of the event. The 500 metres race will be hosted by Sheffield on Monday, 24th September. One of the most commendable and prosperous hounds up for the challenge tonight is the two-year-old brindle dog, Rhincrew Luke.

The lightly raced hound has progressed from the Grade T races to the Grade A2 and A3. He has won two out of the five career outings and has improved drastically through the last five races.

The N. Melbourne trained won the Grade A3 500 metres flat race on 11th September, 2012 at Sheffield. Breaking out of the second trap and then ruling over half the distance had him on the other end of the wire in 29.36 seconds. His lead of three lengths shoved Tamara into the second slot.

Striking a back-to-back, Archaton Pine?s son took charge of the track from the second spot, and landed the race in 29.78 seconds.

With the final ? of a length in his favour, the two-year-old had Outlier Rudi settling in the second position.

The 5 to 2 entry will once again race in the blue vest after having drawn the second trap.

A candidate to look out for is the two-year-old, Galtee Max. The E. Parker trained has a good fan following at Sheffield, and has won at the venue at several occasions. Ever since 12th May, 2012, he has raced over 500 metres only.

Crash?s son has won twice out of the last four outings.

He captured the Grade A2 500 metres flat on 20th August, 2012 at Sheffield. Picking up pace just when it was required, and then dealing with the cluster tactfully, had him charging on from the first spot, and reaching the wire in 29.67 seconds.

Next he nailed the Grade A2 500 metres flat race on 30th August, 2012 at Sheffield. Shifting from first to second stall did not break the winning composure due to the winning technique that got him beyond the wire in 29.57 seconds.

Galtee Max has drawn the box right next to Rhincrew Luke, the first trap.

The views expressed in this article are the writer's own and in no way represent bettor.com?s official editorial policy.

?

Source: http://blogs.bettor.com/Rhincrew-Luke-and-Galtee-Max-in-conflict-for-the-Grade-A2-500-metres-flat-race-a189794

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Ezine Publishing For Profit | Find New Articles at Just Articles Article ...

Article by Steve Duval

More and more businesses are expanding into specialized areas, this is creating a greater need for information in the form of ezine publishing. Pretty much any area of endeavor, whether it is a hobby, business or educational pursuit, requires good information. It is the lifeblood for success.

Ezine publishing fills this need and also supplies internet marketers with avenues for making profit. Writing and producing a newsletter can lead to high earning potential. With as few as a thousand subscribers, the profits can be impressive.

There are no set rules for ezine publishing or creating a newsletter but with a little investigation into this market and a bit of caution in your approach, your income can increase every month.

It is not necessary to be a business consultant or stock market insider in order to create a newsletter about that topic. Ezine publishing can cater to many types of activities; sports, hobby crafting, health, home improvement and ways of making money.

Probably the biggest key to success in ezine publishing is to do plenty of research into the people who make up the market of your likely subscribers. Think about the hobbies and interests that you are involved in that could translate into an income producing newsletter. Interview friends, relatives and associates who are skilled in a particular area and use their expertise to build good content.

A successful newsletter will be written about a single subject, it will be timely and contain content of high quality. Add a resource box to the end of each newsletter and make sure the report has value to the readers in your chosen market. Keep the resource box humble, overt selling will not gain as many customers as a softer approach.

Each report should contain a concise statement from someone who is an expert or at least completely familiar with the specialized field. No overt advertising should be included, only content-rich, high quality material. The information should be current and unique, readers should not be able to find this material anywhere else. Readers need to feel they are getting inside information, a hot tip, news scoop or a story that is fresh and new.

Ezine publishing should not be aimed for mass market appeal, instead it should be laser targeted toward the select group of people most likely to be interested in any particular field.

Market saturation should not be a concern even with all the media available. There is plenty of general information on most any subject, good ezine publishing will present a more specialized viewpoint.

Focusing a newsletter on success and motivation with plenty of enthusiasm for the subject is the key to staying ahead of the competition. Loyal subscribers expect superior knowledge, and will be more likely to purchase a recommended product or service.

Internet marketers depend on their subscribers for income, ezine publishing that provides outstanding value will not only create a solid customer base, but happy customers will always tell a friend and this generates more website traffic.

About the Author

Steve Duval is an internet entrepreneur who is showing others the many ways of making money online today. He teaches simple techniques that anyone can use to earn money online http://www.expressincomes.com

Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author?s information and copyright must be included.

Steve Duval is an internet entrepreneur who is showing others the many ways of making money online today. He teaches simple techniques that anyone can use to earn money online http://www.expressincomes.com












Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author?s information and copyright must be included.

Source: http://justarticles.net/09/ezine-publishing-for-profit/

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Source: http://averylawerence.typepad.com/blog/2012/09/ezine-publishing-for-profit-find-new-articles-at-just-articles-article.html

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Friday, September 21, 2012

Great Mobile Apps Are Remote Controls For Real Life

remoteEditor's note: Matt Cohler is?a General Partner at?Benchmark Capital. He?s responsible for identifying investment opportunities in Internet-related companies, in addition to working closely with companies across the firm?s portfolio. You can follow him on Twitter here.? I wrote a Quora post the other day saying that mobile is just now becoming the most important platform and that winners and patterns are just starting to emerge. As I mentioned recently in an interview with Michael Arrington at TechCrunch Disrupt, one of the patterns that's emerging in mobile is this: Great mobile apps act like push-button remote controls for real life.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/ddY3pukcMhE/

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Wednesday, September 12, 2012

A perfect storm of propaganda on health insurance reform ...

A phony report from a phony consumer group, a misleading OpEd by a left-wing legislator and a dose of extreme demagoguery from a BDN columnist have created a well-orchestrated perfect storm of propaganda. But no one should be buying it.

This onslaught of misinformation is meant to discredit the recent health insurance reform passed by the Republican-led 125th Legislature. Although rate hikes under the new Public Law 90 for most Mainers are the smallest in years (many are even seeing reductions), this trio and their comrades are hellbent on sending a different message.

Their goal is to go back to the days of Dirigo Health, extreme health care and health insurance regulations and more Mainers on medical welfare.

The tempest-in-a-teapot started with a ?report? from the well-funded, pro-government-health-care lobbying group, ?Consumers for Affordable Healthcare.? Their ?report? ? although few could seriously call it that ? cherry-picked numbers, ignored positive new trends and is basically spin.

It failed to take into account the recent rate increases by Anthem and Harvard-Pilgrim that are the lowest ever, and this, according to the Bureau of Insurance, is because of PL 90, the law so maligned by ?Consumers? for Affordable Health Care.

The report described higher taxes but didn?t mention that they are only half of the infamous Dirigo Tax, which is now being phased out.

The report cites ?worsened product choices,? but the fact is that there are many new products available. Anthem has announced a new product that covers maternity care, combines out-of-pocket costs and is compatible with tax-advantaged health savings accounts. This product is a direct result of PL 90.

The report also failed to look at past rate increases. According to the Maine Bureau of Insurance, Maine?s average yearly rate of increase in the small-group market over the past 10 years has been around 19 percent. In the individual market, the average increase has been 13 percent.

This is a result of decades of Hail Mary liberal experiments, all of which were cheered on by Consumers for Affordable Health Care. Their brainstorms included community rating, which prevented insurance companies from charging young people less than old people. They instituted mandates that forced expensive policies for coverage many people simply didn?t want to pay for. They championed Dirigo Health, which failed to come close to any of its goals, ate up hundreds of millions in tax dollars and delayed real health insurance reform. Maine?s gigantic medical welfare program, MaineCare, has also had an adverse effect on health insurance rates.

There were more experiments, too numerous to mention, that ultimately forced prices up. We never saw a ?report? from ?Consumers? for Affordable Health Care when all of them failed, when our premiums suffered hyper-increases, when all insurance companies but two left Maine because of our onerous regulatory environment, and when our medical welfare population, percentagewise, became the largest in the country.

Rep. Adam Goode?s misleading and inaccurate OpEd (Sept. 4) is more of the same. While cherry-picking a few rate increases, it completely ignores the facts about the reforms of PL 90 and the positive results. This kind of hyperbole sells well to the Maine People?s Alliance crowd, but working Mainers see through this nonsense.

Columnist David Farmer?s piece (Sept. 5) is an over-the-top, partisan hit job. Its purpose is not to enlighten readers with facts but to destroy with demagoguery. The basis of his piece is the phony report. He exaggerates the results, denigrates Republicans and insinuates malevolence that is unfounded, unfair and insulting. It is meant to frighten. It?s all he has. His side has failed and failed again.

PL 90 is slowly providing relief to Maine?s petri-dish insurance market. The reforms in the new law, which are in complete compliance with ObamaCare, have been well-tested across the country and will bring Maine?s insurance market closer to normalcy.

Among other things, it changes community rating rules, allowing young people to benefit from their low risk. It provides a reinsurance pool so the least healthy can get coverage at reasonable rates. Moreover, it permits more businesses to band together and self-insure. It likewise allows out-of-state purchase of insurance for individuals in 2014.

Maine people have suffered for years as guinea pigs for all of the latest left-wing health care experiments. Correcting this injustice won?t happen overnight. While PL 90 has only been in effect for a few months and has not been fully implemented, good news is coming in already. You?d never know it, however, if you were in the path of this perfect storm of propaganda.

State Rep. Jonathan McKane, R-Newcastle, serves on the Insurance and Financial Services Committee. He is in his fourth term in the Legislature.

Source: http://bangordailynews.com/2012/09/10/opinion/a-perfect-storm-of-propaganda-on-health-insurance-reform/

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Saturday, September 8, 2012

Should I Seek Relationship Advice For Saving My Wedding? | Get ...

Should I Seek Relationship Advice For Saving My Wedding?

Article by Andrew Wilson

Should I Seek Relationship Advice For Saving My Wedding? ? Relationships ? Marriage

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Yes, that is one thing you must do! Relationships are something you cannot live without. And when it comes to something as important as a wedding relationship, you must do all it takes to save it. If relationship advice is something that you think can help you saving your precious relationship, then go ahead and have it.

But there are few points (which are mentioned below) that you must keep in mind while you approach anyone for relationship advice:

You must ensure that the person from whom you are seeking relationship advice have nothing to do with your life. With this I mean, you must not approach anyone who is anyhow connected to you or your relationship anyhow concerns that person. This is being suggested because, that person may be biased while advising you.

You must have heard of online relationship advice. That?s indeed a smart idea, as in that case you don?t need to be worried of biased suggestions. But there is one thing you must keep in mind while you select one such online portrayal. Never approach any of the online portrayal that asks for subscription or fee in return of their advice. Those are nothing but bogus websites that will lead you to nowhere. Try to look for website that sincerely wants to advice, without any commercial intentions.

Pick a website that gives sensible and practical suggestions, rather than asking you to do nonsense activities. Remember it?s your life and each thing you will do, will make your situation even worse.

When you are seeking relationship advice for saving your marriage, look for suggestions that could guide you to win your man/woman back, rather than replacing them. I am saying this, because I?ve seen a few websites that ask you to appear in some short quiz and on the basis of your answer they suggest you to leave your existing partner and look for a new one. That doesn?t make even an ounce of sense! So, beware of such websites.

These were few points that you must keep in mind while you seek relationship advice for saving your marriage. Without knowing in which situation you currently are, it is nearly impossible to suggest you anything. But there is one thing I would sincerely suggest you, no matter what situation you are- Don?t let him/her go! It may sound like a piece a cake to find a new partner, but it takes a lifetime to love again! So make sure you put in your most sincere efforts to save your relationship and never give up hope!

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We offer healthy relationship advice that would make your life painless.

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whereby the original author?s information and copyright must be included.

Andrew Wilson


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Tags: Advice, Relationship, Saving, Seek, Should, Wedding

Source: http://getmygirlfriendbackquickly.com/ethical-ways-to-get-your-girlfriend-back/should-i-seek-relationship-advice-for-saving-my-wedding/

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Friday, September 7, 2012

5 Adorable Babies Playing With Stuffed Animals (Videos!) | YourTango

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CROCADILLY! Oh, and there's a baby in this photo too.

Once we saw Snooki and Jionni's baby with a stuffed crocodile, we got the baby/stuffed animal fever!

This morning, we saw the most ADORABLE photo in People magazine. Unfortunately it's not online yet, but get this: Snooki and Jionni LaValle's new baby, "little meatball"?Lorenzo Dominic LaValle, lounging in his crib with a huge stuffed crocodile MORE THAN TWICE HIS SIZE. And not just any stuffed crocodile, but Crocadilly, the stuffed animal who accompanied Snooks during all her Jersey Shore partying, and whom Vinny famously hung off the balcony much to her horror.

Anyway, can someone say: Ovaries. In. Overdrive.

Because that's just how our lovely minds work, we decided to collect our favorite videos from around the web of babies playing with stuffed animals?? in many cases, where the stuffed animals are bigger than the babies! Here we go:

1. OH NO. This one-year-old fell off her Rudolph the Red-nosed Reindeer! It's also much bigger than her. Sooooo cute!

READ ON FOR MORE BABIES.

More juicy content from YourTango:

Source: http://www.yourtango.com/2012160469/5-adorable-babies-playing-stuffed-animals-videos

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