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#like they told me i have to pass 9 credits to get financial aid next semester but the distrust i have in the system scares me to not drop
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orbemnews · 3 years
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JPMorgan Shakes Up the Race to Succeed Jamie Dimon In a position to succeed? JPMorgan Chase announced a major management shuffle yesterday, renewing chatter about a hotly debated topic on Wall Street: Who will succeed Jamie Dimon as C.E.O.? The changes may also pave the way for a woman to lead the United States’ largest bank. Here’s the rundown: Marianne Lake, the bank’s head of consumer lending, and Jennifer Piepszak, its chief financial officer, will become joint heads of the consumer and community bank, effective immediately. Gordon Smith, who has run the bank’s consumer operation since 2012 and served as co-chief operating officer and co-president since 2018, said he would retire at the end of the year. Daniel Pinto will become JPMorgan’s sole president and C.O.O. (and remains the head of the corporate and investment bank), and Jeremy Barnum will succeed Lake as C.F.O. The moves solidify Lake and Piepszak as contenders for C.E.O. The executives, both 51, are now in charge of a business that takes in more than $50 billion per year in revenue. In a memo to staff, Dimon praised Lake and Piepszak as “superb executives who are both examples of our extremely talented and deep management bench.” Dimon, 65, took his role as the bank’s C.E.O. in late 2005, making him the longest-tenured big bank chief. “The board has said it would like Jamie to remain in his role for a significant number of years,” Joe Evangelisti, a JPMorgan spokesman, said in a statement. The new setup creates an unusual situation in which two executives competing for the top job share a leadership role. That may be tricky to navigate, management experts say, and whether it’s a good test of leadership skills is debatable. Co-management can be hard to pull off. In a 2012 paper, Ryan Krause of the Neeley School of Business at Texas Christian University examined how sharing power impacted the performance of public companies. Estimating the relative power of co-C.E.O.s using proxies such as tenure and stock ownership, he and his co-authors concluded that executives who had more equal levels of power performed worse than those with disproportionate power. “We interpret this as being evidence that, basically, having co-C.E.O.s really only works if they’re not really co-C.E.O.s,” Krause told DealBook. Co-leaders of a division, he said, may be more successful because they can more easily divide responsibilities instead of sharing authority. Such setups are not uncommon at JPMorgan. It could highlight the ability to work collaboratively, said Steve Odland, the head of the Conference Board and the former C.E.O. of Office Depot and AutoZone. “Whenever you’re in a C.E.O. successor position, it’s difficult because there are a lot of things that have to go right and you’re under the microscope,” Odland said. “But to do so with your competitor, and have to compete with your co-head, at the same time you’re making it work is especially stressful. Which is why it’s an interesting test, because the person who succeeds at this should be amply able to succeed in the C.E.O. role.” Is it a good idea? Dan Ciampa, an adviser to C.E.O.s and directors during leadership transitions, said that he wouldn’t recommend such a test (speaking generally, and not about JPMorgan specifically). “It may make sense to have co-division leaders or co-unit leaders and maybe even co-C.E.O.s,” he said. “But to use that as a way to determine who the next person should be to run the entire organization, to me it says that the board and the sitting C.E.O. and the head of H.R. have probably not done their homework.” Flashback: One sign of Dimon’s long tenure at JPMorgan is measured by a famous cover of Fortune magazine from Sept. 2008, featuring him and seven of his top lieutenants, headlined “The Survivors.” When Smith retires, Dimon will be the only person on the cover left at the bank. HERE’S WHAT’S HAPPENING AT&T investors sour on the WarnerMedia-Discovery deal. Shares in AT&T fell nearly 6 percent yesterday (and are down again premarket today), as shareholders reckoned with the possibility that the spinout of its media arm would expose issues at its core wireless business — and lead to a smaller dividend. Bank of America will raise its minimum wage to $25 an hour by 2025. The announcement cements the lender’s status as a leader on pay in the banking industry: In 2019, it was one of the first to guarantee a $20 hourly wage, a goal it achieved a year ahead of schedule. Amazon indefinitely bans the police from using its facial-recognition software. The company extended a moratorium imposed last year amid the nationwide protests over racial injustice and biased policing. Though critics have said that the technology leads to unfair treatment of African-Americans, Amazon has defended the product’s accuracy. More signs of life in retail. Target reported a 23 percent jump in sales for the first quarter from a year ago, as shoppers returned to stores. It joined Macy’s and Walmart in surpassing analysts’ estimates. Also, a reminder: Most pandemic restrictions in New York City end today. Today in Business Updated  May 18, 2021, 9:07 p.m. ET The criminal investigation into the Trump Organization widens. The office of New York’s attorney general, which has been running a civil inquiry into the Trump family company, joined the Manhattan attorney general’s criminal investigation into potential financial crimes, including tax and bank fraud. Bitcoin’s wild ride The largest cryptocurrency’s price is down sharply again today, leaving it 40 percent lower than its mid-April high. (Other cryptocurrencies — even Dogecoin! — are similarly suffering.) As usual, there are a few potential culprits: Chinese regulators issued a stern warning to financial institutions (again) not to accept cryptocurrency as payment. Elon Musk’s U-turn on Bitcoin is continuing to roil investors’ appetite for the currency. Some industry executives said such pullbacks were “normal” in crypto. That said … Bitcoin is still up more than 30 percent for the year, Ethereum nearly 300 percent and Dogecoin more than 8,000 percent. A lot of investors are feeling plenty flush, for now; more on that below. “There’s been such an erosion of trust, distrust for government, distrust for the virus, distrust for this party or that party. So when you tell the public what to do, there are people who say, ‘How can I trust the guy without the mask?’” — Dr. Howard Markel, a medical historian at the University of Michigan, on how the new mask guidelines from the C.D.C. have created a complicated vaccination honor code. The business case for better care policies JPMorgan Chase, McDonald’s, Spotify, Uber and almost 200 other businesses announced today that they have formed a coalition focused on “reimagining” the United States’ “caregiving infrastructure.” The coalition, called the Care Economy Business Council, is a strong signal that fixing the crumbling care systems for children and older people is essential to the economic recovery. The new group will pressure Congress to pass policies that enable workers — particularly women — to get back to work. Led by Time’s Up, the advocacy group formed by powerful women in Hollywood, the council is demanding federally funded family and medical leave, affordable child care and care for older relatives, and higher wages for caregiving workers. “What I’m seeing now that I have not seen in the many years I’ve been working on this constellation of issues is a realization by employers that they have a stake in this,” said Tina Tchen, the chief executive of Time’s Up. The pandemic laid bare the caregiving sector’s limits, particularly in child care. Many providers either shuttered or cut back on hours, leaving parents without a reliable and safe space for their children while they worked. That was a major reason that hundreds of thousands of women left the work force in the past year, bringing the female labor participation rate to the lowest level since the 1980s. For many executives, the crisis made clear that the entire system needed an overhaul, as companies scrambled to cobble together solutions such as flexible work hours and additional child care stipends. The issue is “bigger than something we can solve on our own,” said Christy Pambianchi, the chief human resources officer at Verizon, a member of the council. President Biden’s two-part infrastructure plan proposes pumping $425 billion into the child care industry and an additional $400 billion to expand in-home care for older adults and those with disabilities. The plan also offers businesses a tax credit for building child care centers in their workplaces. Philanthropies bank crypto windfalls Charities have an inherent interest in cryptocurrencies because, increasingly, their fates are intertwined. Nonprofits benefit from financial windfalls and recently people have been getting rich with crypto. “There’s no question” that the price of cryptocurrency is linked to the volume of giving, said Joe Huston, the managing director of Give Directly, a global aid group. Crypto is volatile, especially lately, but philanthropies have seen consistent growth in digital asset donations over time. Fidelity Charitable reported that crypto giving went from $13 million in 2018 to $28 million in 2020. Give Directly has seen a “big uptick,” Huston told DealBook. The Twitter founder Jack Dorsey gave the group $12.8 million, the co-founder of the Ethereum platform Vitalik Buterin donated $4.8 million and Elon Musk of Tesla gave “some.” The cryptocurrency exchange FTX donates one percent of its fees and encourages traders to channel returns to charity. But newfound riches donated in novel ways raise questions. Buterin recently gave $1.2 billion dollars to fund Covid relief efforts in India. The gift was in SHIB, a crypto token named after a Shiba Inu dog that’s a derivative of the onetime joke crypto Dogecoin. These tokens were sent unbidden to Buterin to bolster their value. His approach in giving them away was “impressively lightweight and fast,” Huston said, showing how frictionless crypto-based philanthropy can be. Previously, it was unimaginable to transfer such an enormous sum without an institutional intermediary. “There are a lot of young people with stupid amounts of money,” said Austin Detwiler, a consultant at American Philanthropic, a consulting firm. Fund-raisers should facilitate giving from this new generation, mindful that “it’s easy to start accepting crypto, but it’s volatile, so have a policy,” he said. THE SPEED READ Deals Robinhood plans to publicly disclose its I.P.O. filings as soon as next week. (Bloomberg) A firm founded by the son of China’s vice premier has reportedly become one of the country’s most aggressive investors in tech companies. (FT) Politics and policy How electric pickups — like the Ford F-150 that President Biden tested yesterday — are a key part of the White House’s infrastructure plans. (NYT) The Senate is considering a bill that would pour $120 billion into research in semiconductors and other technologies to counter China’s supply chain dominance. (NYT) Tech The e-commerce lender Klarna, one of Europe’s most valuable tech start-ups, said its decision on a London I.P.O. depends on Britain’s rolling out relaxed fintech rules. (Bloomberg) The Financial Conduct Authority, a British regulator, warned 300 fintech start-ups to stop misleading customers by comparing themselves to fully fledged banks. (FT) Best of the rest Demand for WeWork office space has now surpassed prepandemic levels, according to its chairman. (Bloomberg) Bill Gates has disclosed over $3 billion in stock transfers to Melinda French Gates since they announced their divorce. (WSJ) “Hertz, the Original Meme Stock, Rewards Its True Believers” (WSJ) We’d like your feedback! Please email thoughts and suggestions to [email protected]. Source link Orbem News #Dimon #Jamie #JPMorgan #Race #Shakes #succeed
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Farewell my President
The first time I voted I didn’t do my research because I allowed someone to encourage me to believe that the Democratic party had no business running office. I was young and naive and easily persuaded. Trust me I learned my lesson, can’t and won’t let anyone think for me.
2007 came around and it was time to find our next president of the beautiful U.S.A and I was excited and pumped. I literally felt the adrenaline pumping through my veins, because I was going to do my own research, I was going to make my own mind about who I thought was fit to run our country and I was going to help. So my research began and I stumbled upon this Senator from Chicago. He was smart, eloquent, funny, kind that was looking for change and wanted to bring hope. Bonus points he looked like me. By me I mean minority. Finally a step in the right direction, a person who back in his time understood what it was like to feel confused on where you stood in the world. He wasn’t some rich privileged silver spoon man. Seriously I finally found my president. Every single Sunday from 9am to 3pm I went to door to door making sure my community was looking for hope as well. I liked it so much I signed up to campaign once again rain or shine.
There are a ton of you out there that were always so skeptical of President Obama from the beginning and have forgotten or didn’t pay attention to everything that Mr. President accomplished. Just in case you forgot:
1. Passed Health Care Reform: After five presidents over a century failed to create universal health insurance, signed the Affordable Care Act (2010). It will cover 32 million uninsured Americans beginning in 2014 and mandates a suite of experimental measures to cut health care cost growth, the number one cause of America’s long-term fiscal problems(FYI I have benefited from this, before I couldn’t afford any health care and hadn’t gone to a doctor for over tens before this Act was passed).
2. Passed the Stimulus: Signed $787 billion American Recovery and Reinvestment Act in 2009 to spur economic growth amid greatest recession since the Great Depression. Weeks after stimulus went into effect, unemployment claims began to subside. Twelve months later, the private sector began producing more jobs than it was losing, and it has continued to do so for twenty-three straight months, creating a total of nearly 3.7 million new private-sector jobs.
3. Passed Wall Street Reform: Signed the Dodd-Frank Wall Street Reform and Consumer Protection Act (2010) to re-regulate the financial sector after its practices caused the Great Recession. The new law tightens capital requirements on large banks and other financial institutions, requires derivatives to be sold on clearinghouses and exchanges, mandates that large banks provide “living wills” to avoid chaotic bankruptcies, limits their ability to trade with customers’ money for their own profit, and creates the Consumer Financial Protection Bureau (now headed by Richard Cordray) to crack down on abusive lending products and companies.
4. Ended the War in Iraq: Ordered all U.S. military forces out of the country. Last troops left on December 18, 2011.
5. Began Drawdown of War in Afghanistan: From a peak of 101,000 troops in June 2011, U.S. forces are now down to 91,000, with 23,000 slated to leave by the end of summer 2012. According to Secretary of Defense Leon Panetta, the combat mission there will be over by next year.
6. Eliminated Osama bin laden: In 2011, ordered special forces raid of secret compound in Abbottabad, Pakistan, in which the terrorist leader was killed and a trove of al-Qaeda documents was discovered.
7. Turned Around U.S. Auto Industry: In 2009, injected $62 billion in federal money (on top of $13.4 billion in loans from the Bush administration) into ailing GM and Chrysler in return for equity stakes and agreements for massive restructuring. Since bottoming out in 2009, the auto industry has added more than 100,000 jobs. In 2011, the Big Three automakers all gained market share for the first time in two decades. The government expects to lose $16 billion of its investment, less if the price of the GM stock it still owns increases.
8. Recapitalized Banks: In the midst of financial crisis, approved controversial Treasury Department plan to lure private capital into the country’s largest banks via “stress tests” of their balance sheets and a public-private fund to buy their “toxic” assets. Got banks back on their feet at essentially zero cost to the government.
9. Repealed “Don’t Ask, Don’t Tell”: Ended 1990s-era restriction and formalized new policy allowing gays and lesbians to serve openly in the military for the first time.
10. Toppled Moammar Gaddafi: In March 2011, joined a coalition of European and Arab governments in military action, including air power and naval blockade, against Gaddafi regime to defend Libyan civilians and support rebel troops. Gaddafi’s forty-two-year rule ended when the dictator was overthrown and killed by rebels on October 20, 2011. No American lives were lost.
11. Told Mubarak to Go: On February 1, 2011, publicly called on Egyptian President Hosni Mubarak to accept reform or step down, thus weakening the dictator’s position and putting America on the right side of the Arab Spring. Mubarak ended thirty-year rule when overthrown on February 11.
12. Reversed Bush Torture Policies: Two days after taking office, nullified Bush-era rulings that had allowed detainees in U.S. custody to undergo certain “enhanced” interrogation techniques considered inhumane under the Geneva Conventions. Also released the secret Bush legal rulings supporting the use of these techniques.
13. Improved America’s Image Abroad: With new policies, diplomacy, and rhetoric, reversed a sharp decline in world opinion toward the U.S. (and the corresponding loss of “soft power”) during the Bush years. From 2008 to 2011, favorable opinion toward the United States rose in ten of fifteen countries surveyed by the Pew Global Attitudes Project, with an average increase of 26 percent.
14. Kicked Banks Out of Federal Student Loan Program, Expanded Pell Grant Spending: As part of the 2010 health care reform bill, signed measure ending the wasteful decades-old practice of subsidizing banks to provide college loans. Starting July 2010 all students began getting their federal student loans directly from the federal government. Treasury will save $67 billion over ten years, $36 billion of which will go to expanding Pell Grants to lower-income students.
15. Created Race to the Top: With funds from stimulus, started $4.35 billion program of competitive grants to encourage and reward states for education reform.
16. Boosted Fuel Efficiency Standards: Released new fuel efficiency standards in 2011 that will nearly double the fuel economy for cars and trucks by 2025.
17. Coordinated International Response to Financial Crisis: To keep world economy out of recession in 2009 and 2010, helped secure from G-20 nations more than $500 billion for the IMF to provide lines of credit and other support to emerging market countries, which kept them liquid and avoided crises with their currencies.
18. Passed Mini Stimuli: To help families hurt by the recession and spur the economy as stimulus spending declined, signed series of measures (July 22, 2010; December 17, 2010; December 23, 2011) to extend unemployment insurance and cut payroll taxes.
19. Began Asia “Pivot”: In 2011, reoriented American military and diplomatic priorities and focus from the Middle East and Europe to the Asian-Pacific region. Executed multipronged strategy of positively engaging China while reasserting U.S. leadership in the region by increasing American military presence and crafting new commercial, diplomatic, and military alliances with neighboring countries made uncomfortable by recent Chinese behavior.
20. Increased Support for Veterans: With so many soldiers coming home from Iraq and Iran with serious physical and mental health problems, yet facing long waits for services, increased 2010 Department of Veterans Affairs budget by 16 percent and 2011 budget by 10 percent. Also signed new GI bill offering $78 billion in tuition assistance over a decade, and provided multiple tax credits to encourage businesses to hire veterans.
21. Tightened Sanctions on Iran: In effort to deter Iran’s nuclear program, signed Comprehensive Iran Sanctions, Accountability, and Divestment Act (2010) to punish firms and individuals who aid Iran’s petroleum sector. In late 2011 and early 2012, coordinated with other major Western powers to impose sanctions aimed at Iran’s banks and with Japan, South Korea, and China to shift their oil purchases away from Iran.
22. Created Conditions to Begin Closing Dirtiest Power Plants: New EPA restrictions on mercury and toxic pollution, issued in December 2011, likely to lead to the closing of between sixty-eight and 231 of the nation’s oldest and dirtiest coal-fired power plants. Estimated cost to utilities: at least $11 billion by 2016. Estimated health benefits: $59 billion to $140 billion. Will also significantly reduce carbon emissions and, with other regulations, comprises what’s been called Obama’s “stealth climate policy.”
23. Passed Credit Card Reforms: Signed the Credit Card Accountability, Responsibility, and Disclosure Act (2009), which prohibits credit card companies from raising rates without advance notification, mandates a grace period on interest rate increases, and strictly limits overdraft and other fees.
24. Eliminated Catch-22 in Pay Equality Laws: Signed Lilly Ledbetter Fair Pay Act in 2009, giving women who are paid less than men for the same work the right to sue their employers after they find out about the discrimination, even if that discrimination happened years ago. Under previous law, as interpreted by the Supreme Court in Ledbetter v. Goodyear Tire & Rubber Co., the statute of limitations on such suits ran out 180 days after the alleged discrimination occurred, even if the victims never knew about it.
25. Protected Two Liberal Seats on the U.S. Supreme Court: Nominated and obtained confirmation for Sonia Sotomayor, the first Hispanic and third woman to serve, in 2009; and Elena Kagan, the fourth woman to serve, in 2010. They replaced David Souter and John Paul Stevens, respectively(this one made me so happy to see more diversity on these seats, almost like the feeling that can be me).
26. Improved Food Safety System: In 2011, signed FDA Food Safety Modernization Act, which boosts the Food and Drug Administration’s budget by $1.4 billion and expands its regulatory responsibilities to include increasing number of food inspections, issuing direct food recalls, and reviewing the current food safety practices of countries importing products into America.
27. Achieved New START Treaty: Signed with Russia (2010) and won ratification in Congress (2011) of treaty that limits each country to 1,550 strategic warheads (down from 2,200) and 700 launchers (down from more than 1,400), and reestablished and strengthened a monitoring and transparency program that had lapsed in 2009, through which each country can monitor the other.
28. Expanded National Service: Signed Serve America Act in 2009, which authorized a tripling of the size of AmeriCorps. Program grew 13 percent to 85,000 members across the country by 2012, when new House GOP majority refused to appropriate more funds for further expansion.
29. Expanded Wilderness and Watershed Protection: Signed Omnibus Public Lands Management Act (2009), which designated more than 2 million acres as wilderness, created thousands of miles of recreational and historic trails, and protected more than 1,000 miles of rivers.
30. Gave the FDA Power to Regulate Tobacco: Signed the Family Smoking Prevention and Tobacco Control Act (2009). Nine years in the making and long resisted by the tobacco industry, the law mandates that tobacco manufacturers disclose all ingredients, obtain FDA approval for new tobacco products, and expand the size and prominence of cigarette warning labels, and bans the sale of misleadingly labeled “light” cigarette brands and tobacco sponsorship of entertainment events.
31. Pushed Federal Agencies to Be Green Leaders: Issued executive order in 2009 requiring all federal agencies to make plans to soften their environmental impacts by 2020. Goals include 30 percent reduction in fleet gasoline use, 26 percent boost in water efficiency, and sustainability requirements for 95 percent of all federal contracts. Because federal government is the country’s single biggest purchaser of goods and services, likely to have ripple effects throughout the economy for years to come.
32. Passed Fair Sentencing Act: Signed 2010 legislation that reduces sentencing disparity between crack versus powder cocaine possessionfrom100 to1 to 18 to1.
33. Trimmed and Reoriented Missile Defense: Cut the Reagan-era “Star Wars” missile defense budget, saving $1.4 billion in 2010, and canceled plans to station antiballistic missile systems in Poland and the Czech Republic in favor of sea-based defense plan focused on Iran and North Korea.
34. Began Post-Post-9/11 Military Builddown: After winning agreement from congressional Republicans and Democrats in summer 2011 budget deal to reduce projected defense spending by $450 billion, proposed new DoD budget this year with cuts of that size and a new national defense strategy that would shrink ground forces from 570,000 to 490,000 over the next ten years while increasing programs in intelligence gathering and cyberwarfare.
35. Let Space Shuttle Die and Killed Planned Moon Mission: Allowed the expensive ($1 billion per launch), badly designed, dangerous shuttle program to make its final launch on July 8, 2011. Cut off funding for even more bloated and problem-plagued Bush-era Constellation program to build moon base in favor of support for private-sector low-earth orbit ventures, research on new rocket technologies for long-distance manned flight missions, and unmanned space exploration, including the largest interplanetary rover ever launched, which will investigate Mars’s potential to support life.
36. Invested Heavily in Renewable Technology: As part of the 2009 stimulus, invested $90 billion, more than any previous administration, in research on smart grids, energy efficiency, electric cars, renewable electricity generation, cleaner coal, and biofuels.
37. Crafting Next-Generation School Tests: Devoted $330 million in stimulus money to pay two consortia of states and universities to create competing versions of new K-12 student performance tests based on latest psychometric research. New tests could transform the learning environment in vast majority of public school classrooms beginning in 2014.
38. Cracked Down on Bad For-Profit Colleges: In effort to fight predatory practices of some for-profit colleges, Department of Education issued “gainful employment” regulations in 2011 cutting off commercially focused schools from federal student aid funding if more than 35 percent of former students aren’t paying off their loans and/or if the average former student spends more than 12 percent of his or her total earnings servicing student loans.
39. Improved School Nutrition: In coordination with Michelle Obama, signed Healthy Hunger-Free Kids Act in 2010 mandating $4.5 billion spending boost and higher nutritional and health standards for school lunches. New rules based on the law, released in January, double the amount of fruits and vegetables and require only whole grains in food served to students.
40. Expanded Hate Crimes Protections: Signed Hate Crimes Prevention Act (2009), which expands existing hate crime protections to include crimes based on a victim’s sexual orientation, gender, or disability, in addition to race, color, religion, or national origin.
41. Avoided Scandal: As of November 2011, served longer than any president in decades without a scandal, as measured by the appearance of the word “scandal” (or lack thereof) on the front page of the Washington Post.
42. Brokered Agreement for Speedy Compensation to Victims of Gulf Oil Spill: Though lacking statutory power to compel British Petroleum to act, used moral authority of his office to convince oil company to agree in 2010 to a $20 billion fund to compensate victims of the Deepwater Horizon oil spill in the Gulf of Mexico; $6.5 billion already paid out without lawsuits. By comparison, it took nearly two decades for plaintiffs in the Exxon Valdez Alaska oil spill case to receive $1.3 billion.
43. Created Recovery.gov: Web site run by independent board of inspectors general looking for fraud and abuse in stimulus spending, provides public with detailed information on every contract funded by $787 billion American Recovery and Reinvestment Act. Thanks partly to this transparency, board has uncovered very little fraud, and Web site has become national model: “The stimulus has done more to promote transparency at almost all levels of government than any piece of legislation in recent memory,” reports Governing magazine.
44. Pushed Broadband Coverage: Proposed and obtained in 2011 Federal Communications Commission approval for a shift of $8 billion in subsidies away from landlines and toward broadband Internet for lower-income rural families.
45. Expanded Health Coverage for Children: Signed 2009 Children’s Health Insurance Authorization Act, which allows the Children’s Health Insurance Program (CHIP) to cover health care for 4 million more children, paid for by a tax increase on tobacco products.
46. Recognized the Dangers of Carbon Dioxide: In 2009, EPA declared carbon dioxide a pollutant, allowing the agency to regulate its production.
47. Expanded Stem Cell Research: In 2009, eliminated the Bush-era restrictions on embryonic stem cell research, which shows promise in treating spinal injuries, among many other areas.
48. Provided Payment to Wronged Minority Farmers: In 2009, signed Claims Resolution Act, which provided $4.6 billion in funding for a legal settlement with black and Native American farmers who the government cheated out of loans and natural resource royalties in years past.
49. Helped South Sudan Declare Independence: Helped South Sudan Declare Independence: Appointed two envoys to Sudan and personally attended a special UN meeting on the area. Through U.S. ambassador to the United Nations Ambassador Susan Rice, helped negotiate a peaceful split in 2011.
50. Killed the F-22: In 2009, ended further purchases of Lockheed Martin single-seat, twin-engine, fighter aircraft, which cost $358 million apiece. Though the military had 187 built, the plane has never flown a single combat mission. Eliminating it saved $4 billion… Just to name a few..
Come present day, time has come and my president, correction I mean our president after eight glorious years we must say goodbye. Watching his farewell speech last week was super hard, yes I cried like a baby, just like I cried when he was first elected and he addressed us our nation for the first time as our president. I have learned a lot from Mr. President, I learned kindness, I learned to be hopeful and patient. I also learned from our First Lady that I should never let anyone get in my way from becoming something. I can actually go for days on how great Mrs. Obama is, but I don’t think I have all night to right this.
I am going to miss the First Family, the kindness, love, compassion, pose, grace and spirit they shared with our nation. One thing I will take from the Obamas is never losing HOPE, to always voice my concerns and make something happen.
Farewell my president and Thank You for a wonderful eight years and being one of the greatest presidents in history.
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uncle-ak · 4 years
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What Do You Do When...?
They say; April showers bring May flowers. It is still showering/raining in May. I pray these are showers of blessings because, with the condition of the world at this time, we need to hold on to the slightest glimpse of hope.
May is Mental Health Awareness Month; I used to think it was October. World Mental Health Day is on October 10th. Raising awareness about mental health involves fighting stigma, providing support, educating the public, and advocating for policies that support individuals with mental health challenges and their families.
A sequel from my previous blog post… Have you been or are you on a journey to something non-traditional in your culture, society, community, home? It doesn’t have to be work-related. 
Reflecting on some challenges I have experienced, not directly mental health-related but affected my mental wellness. Background story; a journey to a non-traditional profession in the African community. The first month of grad school was so challenging that it was the first time I thought of giving-up/dropping out. Prior to my grad school experience, I used to make the statement that the only reason I would ever try the Insanity Workout by Shaun T was if something in life drove me insane. Well, guess what, life in grad school was getting me there barely weeks into it. 
It was September 2012, I had just left the financial aid office the third time that week where I was told that my financial aid/school loan application which I completed in July 2012 was not processed. So my tuition and housing weren’t paid for, I couldn’t buy textbooks which cost an arm and a leg and I was pursuing a degree that wasn’t/isn’t “typical” in the African community so who do I call to ask for financial assistance while waiting for financial aid to kick in before I am kicked out of the program? I did have a letter that stated the application was processed but the financial aid office was yet to receive it; something wasn’t adding up. So what do you do when…?
I had about $2000 in checking, about $1000 in savings, a $700 unused credit card, and a reasonably functioning 2004 used car which I drove about 7hours with from Maryland to Massachusetts and the car insurance of $600 due by December for the next six months. I was in a new territory away from family and friends, with no known relatives in the area. I had done some job searching from retail/cashier, to a home aide, to a residential assistant for individuals with a disability but looking at my class schedule, most of the jobs I found were not flexible enough to accommodate that and the locations were all over the place.
It was probably the second week into September 2012 when I left the financial aid office the third time, I found myself at the center of the campus when my binder suddenly dropped from my hand and the binder rings popped open. I didn’t have the energy to pick them up so I just sat on the pavement and watched the wind blow the papers away. I’m not sure how long I sat there but as the papers were flying, I noticed a yellow paper that caught my attention. I somehow dragged myself up, went to the paper, and realized it had the list of resources available on campus one of which was counseling services and fitness classes. One of the exercise classes for that day was… you guess right! The Insanity Workout by Shaun T.
Prior to this moment, I had never considered seeking counseling. I took a course in counseling psychology in undergrad so I had a vague idea of what it was like but I battled with the notion that going to therapy meant I had a mental health condition. Even with that thought process, I felt the need to talk to a “stranger” who would listen from a different perspective. So I found the strength to pick-up my binder and walked to the counseling center. I signed up to receive counseling once a week which continued for the duration of the grad school program while school was in session. After my first intake session, I decided to go try out the Insanity Workout. I always kept workout clothes in the trunk of my car; so I grabbed them and went to the class. I must say it was a good way to take out my frustrations, I kept going two to three times per week for the duration of the semester.
I must say seeking counseling was the best decision I ever made. It didn’t eliminate life challenges, it helped me realize how my thought process amplified situations or how I was self-limiting or how I was unconsciously holding on to the past or holding onto something in the present that wasn’t there or expecting others to act/respond a certain way, or feeling entitled or blaming others for things I had no control over or trying to control things that I couldn’t. 
So the theory part of the grad school was drawing to an end in December 2014, the thought that the counseling sessions were ending gave me anxiety. My counselor gave me a gift with a heartwarming message.
Back in Maryland, from January 2015 to June 2015 I did fieldwork (aka clinical/non-paid internship) Mondays to Fridays in addition to working 8hours overnight on Fridays and 16hours on Saturdays and Sundays. I barely had a social life. Funny how the mini extrovert side of me was trying to override the major introvert side of me during those years in grad school. I was granted a break from fieldwork to go attend the commencement ceremony back in Massachusetts which took place in May. Initially, I didn’t think I was going to attend it because of the workload but my supervisor made it happen. The graduation party took place in June. By August, my classmates were posting on Facebook about passing their board exam and I had not even registered, so what do you do when…?
So I deactivated my Facebook account (I haven’t reactivated it since then) that same month and registered to take the exam by the end of October. In September my youngest brother became seriously ill and in early October I experienced the most heartbreaking betrayal EVER relationship related. It was my first experience of how emotional pain can be mind-numbing. You know how you can take medications for a headache or any physical pain or put heat/ice on a hurting joint and it somewhat feels better? Besides going for long walks and driving in silence to sometimes unknown destinations and using the GPS to return, nothing else helped. 
During this time, I did contemplate seeking counseling services but I didn’t follow through because I felt like I did not want to depend on counseling. Besides I was out of school so I would have to pay for it. I had Medicaid insurance at the time so I assumed the copay was no joke. With that and my brother’s health on my mind, I couldn’t study so I postponed the board exam to November before thanksgiving week because it was the holiday season; thanksgiving, Christmas then New Year. It would have been too much distraction to study including working. I was charged for postponing the exam, money that I didn’t budget for; so add financial burden to emotional pain. The good thing is I wasn’t paying any rent at the time. My only bills were car insurance, phone bill, and taking care of my basic necessities.
Three days before the November exam date, I fell sick and was diagnosed with an upper respiratory tract infection; I started treatment right away. I didn’t want to postpone the exam again. It was more expensive to postpone this time because it was close to the scheduled date. I had not told anyone about taking the exam. Uber wasn’t a thing back then, getting a taxi/cab wasn’t within the budget given the distance and I’m not into inconveniencing people to render me a favor especially since it was last minute and I didn’t want to explain to anyone why I was going to that location. So what do you do when…?
So I drove myself there. I just wanted to get the exam over with. I said to myself, if I don’t pass, then I’ll retake it hopefully with less emotional stress/pain the second time around. I just didn’t want the year to end without at least trying. I don’t recall answering all the questions before the timer went off and the testing screen closed out. I went to my car, took a nap then drove home. It felt like a weight had been lifted off my shoulder.
The results were out a week later. I was at work, I had worked 8hours overnight. I logged into my account and the first thing I saw was PASSED. I took a picture then refreshed the screen to see if it will change but it didn’t. I logged out and logged back in and it still said PASSED. I went to my car. I took a nap, drove home. I logged in on my laptop and the results didn’t change. I logged into the home desktop and got the same results. Do I need to say I was in disbelief that I passed? I checked my results for the next three days and then I shared with family and friends. I would say I didn’t feel comfortable sharing nor asking for anything relating to my journey in the undergrad or grad school because I was pursuing a degree that wasn’t understood and still isn’t understood by a good number of people around me. So I had to do a lot of figuring out on my own.
I later received my certificate via mail with the numerical results. I had 450/600, the minimum required score for passing. My heart stopped for a few seconds. Recounting this got me teary-eyed. My journey from 2009 in undergrad, to my unpleasant experience in grad school (details for another day) to the very trying year of 2015, was about to be over… I can’t put the feelings into words. I had some emotional healing to do, so I decided I won’t start the job searching until after the New Year but it dragged through till the end of January. During this time I reflected on what I had learned during counseling in grad school and did a lot of reading on emotions and the mind for self-healing. 
The first week in February 2016, I posted my resume around 9 AM, by 11 AM I had two interviews scheduled for that week. By mid-February, I had two job offers but they didn’t sit well with me. By the end of February, I reconnected with a friend whom we went to community college together. He was the first African (Nigerian) I knew to study in the field, had recently graduated and was working. He had shared some suggestions/resources on how to study for the board exam. It turns out he was in contact with the regional manager of a location where I did the first portion of my fieldwork/clinical/rotation. That regional manager was looking to fill an open position. Per the regional manager’s words during our communication via text; “based on your work ethic during your time with us, you are hired.” I was in disbelief, he asked for my email and by the next day, I received an offer letter. The rest they say is history…
So what do you do when life throws you curveballs or there’s a sudden stop sign, red light, yield sign, crossroad, speed bump, extremely curvy ramp, exit? I think it all depends on the options available; stop and take a moment to reflect on your why. Why am I thinking/feeling this way, why do I want this to be this or that way? Counseling services can be expensive and sometimes the waiting time to see a counselor could be weeks. Last year I took a class to become a Mental Health First Aider; it’s like CPR for Mental Health. I learned a lot about a number of resources, some of which provide options for those with low income. Link
As I type this, I am reminded of a Stuck in The Middle interview which discusses mental health in the African/African-American community; a topic that is shunned in our community and needs to be addressed more. Link
I am generally on the quiet side depending on the topic of discussion so I have come to realize that my silence may give off the impression that my life has been smooth and dandy. I would say it has taken me a while to write in the first person (I) and share this much depth about me. In my earlier writings, I typically wrote in the third person because it is easier and it deflects attention. Sitting here, recounting/writing this which has taken me years to share this experience in this much depth, I have come to appreciate who I am and who I am becoming more now than before. And with that said, may I share that I am working on bringing to life the book I’ve been writing in my head since 2017. Inspired by Achu Ebong Mba (aka Riflex) the newest published Author in town; No Such Thing As Halfway. Grab a copy if you haven’t yet and joint to the conversation.
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jeep grand cherokee insurance quote
jeep grand cherokee insurance quote
jeep grand cherokee insurance quote
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jeep grand cherokee insurance quote
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Questions About Tax Brackets, Compound Interest, Warehouse Clubs, Stamps, and More!
Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Losing faith 2. Thoughts on simple investment strategy 3. Tax bracket question 4. Compound interest question 5. Costco versus Sams Club 6. Question about forever stamps 7. Investing for near term 8. VA disability and property taxes 9. KitchenAid 10. Where should I retire? 11. Credit cards for specific purposes 12. Saving old journals On the wall in my office are three framed pictures that my children drew for me when they were younger using finger paints. In the corner of each, my wife typed out a brief description of what the painting was supposed to be, transcribing what the children told her about them. They are among my favorite possessions. I look at them at least a few times a day and they provide a constant reminder to me about what Im doing, what Ive done right, and what I might do better. Theyre older now. My daughter is a fantastic artist at this point, drawing still life far better than I ever dreamed of being able to do. My oldest son is developing into a skilled problem solver and is likely headed for some sort of engineering career. My youngest has a superb wit and the most insatiably curious mind Ive ever come across. Those pictures captured them at a moment in their lives thats already past, yet when I look at the pictures, I dont think of my children as they were, but as they are. Its pretty impressive what three pieces of paper and a few cents worth of finger paint can do. Q1: Losing faith I have worked for the DoE for 18 years and been through a few shutdowns, but this is the first time Ive simply not received my paycheck. Part of the reason I have chosen to work for the government rather than an energy company is due to the stability of the job and now that feels like it is eroding. I dont know when Im getting paid next which is the very type of thing I wanted to avoid in private industry and took a somewhat lower paying job. I am losing faith in the government as reliable. Not sure what to do. Dan After last weeks mailbag focused so heavily on the shutdown, I wanted to dial it back a little this week, so this is the only shutdown-related question. Again, Im not interested in the politics of the situation, just how it affects the daily life of those affected by it. In your shoes, Dan, I would probably start polishing up the resume. I get the impression that your finances are generally pretty stable and you can handle a short period without pay. I would also use this as inspiration to remind yourself that the best kind of financial reliability is when youre relying solely on your own savings, not the reliability of an employer. When things do return to normal, kick up your retirement savings a bit and get yourself into a place of financial independence just a little faster. Q2: Thoughts on simple investment strategy I wanted to get your thoughts on the investment strategy my great uncle told me about. Hes in his mid 60s and has been basically retired for about a decade. He ran a bakery but sold it to the manager about a decade ago and sometimes consults with them but thats about it. He said that what he did was starting in the early 1980s when he was just starting out, he put a minimum of $100 a month into a savings account and then put in any windfalls he got. The minimum grew as his income did. Whenever the stock market dropped 10% from its peak, he would take half of his savings and put it in the stock market and then not watch again for another six months. He said he blew away the market doing this and its why he retired so early. I am skeptical because he sometimes tells tall tales and I think he is mostly retired on bakery money. Your thoughts? Alex So, lets break this down. He puts $100 a month into savings and then puts half of his savings into stocks every time the stock market is 10% or more lower than its peak, but he only does this every six months at most. I tried my best to match this strategy in a spreadsheet to figure out whether this would actually beat the market. As best as I can figure, over the period of January 1, 1982 to January 1, 2019, this strategy would beat the market but not overwhelmingly, and it didnt beat the market for long stretches in there. I assumed a 3% return over that entire period on money in the savings account, and I only checked the stock market on the 1st of every month. I used the S&P 500 as the number for the stock market and assumed he was investing in the Vanguard 500, which basically matches the S&P 500. Now, having said that, its worth noting that sitting on stocks over that period is simply a great investment. On January 1, 1982, the S&P 500 was at 117.30. On January 1, 2019, its at 2,584.62. That money he invested back in the early eighties utterly exploded in value. Heck, even as late as January 1, 2009, it was at 865.58 it has basically tripled since then. If your great uncle sold his bakery ten years ago and put a lot of that money into stocks, and hed been doing this investment strategy as you described all along, he probably is sitting on a pretty penny right now. As for whether you should do it, I dont think its strictly better or worse than just investing that $100 directly every month. It really depends on how the market fluctuates, as all of these strategies do. Your great uncle got rich because he made a 40 year investment in stocks, not because he had a great timing strategy. Anyone with just about any strategy starting in the early 1980s would be doing very good today if they just left the money in the market. In other words, I think youd be in great shape if you used your uncles strategy. I also think youd be in great shape if you just put $100 or $200 a month into a broad based index fund and sat on it for the next 40 years. The thing those two strategies have in common is that theyre both riding the long term stock market growth, and thats where the real money is over the long term. Q3: Tax bracket question You wrote: Lets say youre a single taxpayer who earns $35,000 per year. The first $9,275 of your income is taxed at 10%, and the remaining $25,725 is taxed at 15%. What? While $35,000 falls into the 15% tax bracket, your effective tax rate is actually 13.7%. The higher your income, the more tax brackets you pass through to arrive at your effective tax rate. There is no listed 15% tax bracket for single taxpayers.. That sentence is thoroughly confusing! Please explain where you came up with that! Tammy The article in question was written by Simple Dollar contributor Frank Addessi, not by me. Ill do my best to explain this specific point more clearly. First of all, Frank seems to have been using the 2017 tax brackets rather than the 2018 ones to explain the principle. His numbers perfectly line up with the 2017 tax brackets, which did include a 15% rate. The current 2018 tax brackets for single filers look like this: 10% Up to $9,525 12% $9,526 to $38,700 22% $38,701 to $82,500 24% $82,501 to $157,500 32% $157,501 to $200,000 35% $200,001 to $500,000 37% over $500,000 The easiest way to think of tax brackets is to imagine a big water fountain, one that has a bunch of progressively larger pools. When the little pool at the top overflows, the overflow runs down into the next pool which is a little bigger, and when that one overflows, that overflow runs down into the next pool, and so on. Heres a picture if you want a visual aid. So, in Franks example, hes looking at someone who made $35,000 in taxable income this year. You start dumping that income into the 10% bracket until it fills up at $9,525. At that point, you still have $25,475 to put into the fountain, so we move down to the next bracket. It can hold all remaining income up to $38,700, and so it holds the remainder. So, that first $9,525 is taxed at 10%, which means $952.50 in taxes, and the remaining $25,475 is taxed at 12%, which means $3,057 in taxes. Your total tax bill is $4,009.50, which is 11.5% of your income. This person is in the 12% tax bracket and their effective tax rate is 11.5%. Remember, because some of your income always ends up in those smaller bowls with a lower rate, your overall effective tax rate is always lower than your tax bracket. Hopefully this clears things up! Q4: Compound interest question I recently read a blog post about compound interest, which Ive primarily associated with bank accounts. But the article also seems to associate compound interest with retirement accounts and I was wondering if you could provide some clarity. One example early on says Lets say you have $5,000 in a retirement account, earning 7% interest each year. The first year you earn $350 in interest, which brings your total to $5,350. The following year, interest is calculated based on that $5,350 total Even if you never deposit anything but the original $5,000, youll have $38,061.28 in 30 years. I know the average stock market return is 7%, but is it accurate to call that interest? If not, is there some other type of retirement account that genuinely offers 7% interest on your principle every year (as this article seems to suggest)? Another example: toward the end it says If youre saving for retirement, invest in low-fee index funds. Fees of 1% or more will drag down your profit and cut into your compound interest. Index funds will follow the markets course and provide a solid rate of return. Avoid picking individual stocks, as their volatility can be problematic. Im on board with the ideas of low-fee index funds, but not for fear of high fees cut[ting] into your compound interest. Index funds are liable to lose value some years too, arent they? I wouldnt be giving this as much thought if it came from a smaller blog but this is Mint. It makes me wonder if I fully understand how my retirement accounts are working, or if Im missing an opportunity elsewhere. Is the article conflating two topics that dont really connect to one another? Or is there a way to leverage compound interest to this big of a degree for retirement? Max Mint is using the terms investment returns and interest interchangeably here in order to reduce the number of different terms being thrown at the reader. I do this myself its a way of making similar concepts seem familiar and not overwhelm people with new terms, especially when theyre asking an introductory question. They are distinct ideas, but they both have the same effect if you let them sit for a long time, the growth they provide is powerful. Your retirement account, assuming its invested mostly in stocks, doesnt return interest. Rather, what happens is that you usually own shares in a mutual fund. Each time you put money into your retirement account, its used to buy more shares. Over time, those shares grow in value maybe not each and every year, but most years. They also regularly produce dividends, which are small cash payments for each of those shares, issued to you. Almost always, dividends are just used to buy more shares of that same investment. So, shares grow in value over time and youre also rolling dividends in to buy even more shares. The end effect of that is much like compound interest in a savings account it builds and builds. Although theyre not the same thing, the exponential growth curve of interest in a savings account and investments in a retirement account are similar. The growth curve of the savings account isnt as steep, but its very steady and always upwards. The growth curve of the stock market investment is really bumpy, but overall trends upward much more strongly than the growth curve of the savings account. Q5: Costco versus Sams Club I dont know anything about sams club because we joined it when it first came to town years ago and hated it. When Costco came to town, we heard such positive things we decided to give it a chance and have liked it much better. Reasons are several, including those you wrote about esp. the gas prices as we pass the store every day. Further, they treat their employees really well. most importantly, they guarantee that if the credit card rewards (on their visa card) do not equal the membership fee, they will refund the membership fee. We have only one visa card and its theirs as we get a great deal of rewards based on gas alone. Jaden My experience has been that different chain stores have different degrees of quality in different areas of the country. Where I live, the two closest warehouse clubs to my door are both Sams Club and theyre both clean and well stocked and well staffed, and both feature gas prices that are consistently about $0.07 per gallon cheaper than any of the stations near them. There is a Costco in Des Moines (the closest Costco to me) and I found the experience there to be very similar when Ive visited with friends with Costco memberships. However, having said that, I didnt see anything that made it worth the substantial additional drive for me. My experience is that theyre both fine, at least at the locations Ive visited, and you should check out both in your area if theyre both available (along with BJs, another warehouse club chain popular in some regions of the United States). Q6: Question about forever stamps As you likely know, the largest increase in the cost of a stamp will occur on Sunday, January 27, 2019, as the price of a first class Forever Stamp goes from $0.50 to $0.55 (a 10% increase). While the best way to save money on stamps is to call/TXT/email rather than mail a letter, sometimes mailing a letter presents a very good value (sending someone a note of appreciation, etc.). Due to how significant this increase is, I would recommended that anyone with no high interest debt who already has an emergency fund try to purchase 2-4 years worth of stamps, while anyone else try to acquire at least a 1-year supply of stamps (as long as they can do so without paying interest on the purchase). Im curious how much of a supply of stamps you would recommend people acquire prior to this price increase? Stephen Personally, we estimated how many stamps well likely use over the course of 2019 (mostly personal letters and holiday cards) and bought them all already. This added up to 200 stamps, so the cost was $100, as compared to the $110 we would have spent had we bought those stamps at the end of January or later. With a longer timeframe than that, the cost benefit of buying those stamps really starts to shrink. Your annual return starts to sag and you have the stamps for longer, which means theres a greater risk of some sort of damage to the stamps (the longer you have them, the more likely they are to be lost, burnt, misused, and so on). This is basically what weve done each time theres been a bump in the cost of forever stamps. Weve bought an entire years worth just before the bump in price. Its not a big savings, but it saves us $5-$10 over the course of a year. Q7: Investing for near term You recommend fully investing in the Roth/529 even though they are less than 10 years out from likely needing the capital? I was thinking of them putting 10 or 20% aside for long term, although they are a bit depressed by the .1% interest our local bank returns to them. Any back of the envelope math as to what $2,000, invested at age 16, is worth at age 70? Annie Yes, I recommend putting money into tax-advantaged education and retirement accounts, even if youre less than ten years from your expected use. The difference is that when youre looking at that short of a timeframe, you choose investments that are intended for short and medium term investments, like safe bonds or money markets. They have a smaller average annual return than stocks, but they certainly beat savings accounts and have very little risk of losing money and youre still able to pull out the gains tax free. As for your other question, if you put in $2,000 into, say, a Roth IRA at age 16, put it aggressively into stocks, and let it ride until age 70, you should see an average annual return of 7% on that money. So, 54 years of a 7% average annual return on $2,000 gives you are you ready for this $77,224.30. Now, its worth noting that $77K wont go as far in 54 years as it goes now, but itll still be a very healthy chunk of money. If you withdraw 3% of it annually (which is a safe bet), thats $2,317 a year. Yep, if he puts that $2,000 away now and starts withdrawing it every year at age 70, hell be able to pull out more than $2,000 a year basically forever and still hand down a big chunk of it to his kids/grandkids. Q8: VA disability and property taxes Can a veteran who is on total VA disability with no other income receive a tax refund on his home owners taxes? Jim Property taxes are a deduction from ones income tax bill. Since, as a person on total disability from the VA, youre already paying no income taxes, you have nothing from which to deduct. I dont know the specifics of your financial state, but if you were to earn a small income, its likely that the deduction from the property taxes would take care of the income taxes on that small income. However, if your income is solely from the VA due to total disability, property tax payments wont help your income tax bill since you dont have an income tax bill. Q9: KitchenAid it is my understanding that [KitchenAid] was bought out by a foreign company some time ago surely since 50 years ago and that the new company has been making them with some parts being plastic that were metal originally. I have seen reviewers saying that the old ones really do last forever if one takes good care of them, whereas some of the newer models plastic parts tend to wear out. I dont remember seeing any mention of whether those plastic parts can be replaced. I think I found this information on consumer information web sites. Annie Whirlpool purchased KitchenAid in 1986. At some point in the late 1990s, it seems that KitchenAid replaced the gearbox in some of their stand mixers with one made of nylon rather than the original one made of metal. The issue isnt that the nylon ones wear out under normal use, but that people tend to stress them. For example, the instructions for the manual state to only use the dough hook attachment on speed setting 1 or 2, but people often turn it to 3 or higher. This causes the gearbox to get overworked and cause breakdown issues. Today, KitchenAid makes two lines of stand mixers the Artisan and the Pro line. The Artisan has a nylon gear box where the Pro line seems to have the old-style metal gear box but the Pro line is substantially more expensive. One note: the reason many people believe that old things are more reliable is due to selective bias. People remember the things that worked well in the past and forget the things that do not, and then they compare those things that worked well to everything now, where some things work well and some things do not. Thats always been true. Q10: Where should I retire? My husband I are targeting early retirement within 10 years but well be figuring out a location in 3-5 years. We want to spend the next few years visiting a variety of possible locations, narrow it down to a shorter list and then try out a few, staying 6 months to a year. Where would you start? What criteria would you consider? What resources are available, particularly those geared towards retirees (we dont really care about the quality of local schools these days). Thanks for any suggestions. Margaret If I were you, Id start by figuring out what you want to do in retirement. What do you want your typical day to look like? Does it involve regular time with family? With friends? Does it involve a lot of time outside in warm weather? Do you guys like cold weather? How do you want to spend your time? Questions like that should narrow down your target locations pretty quickly. Once youve addressed those kinds of quality of life issues, I would focus on cost of living and aim for areas that have a low cost of living while still meeting your other quality of life goals. I like using this cost of living calculator. Since youre retiring early, I wouldnt prioritize access to services too much at this point. Instead, focus on what will give you the aspects of life you want with a low cost of living. Q11: Credit cards for specific purposes I have not used credit cards until a few years ago and wondering if the following expenses qualify as recurring payment for which the card gives a cash-back: 1. Monthly rent paid to the apartment landlord (not sure if the landlord would accept credit card though but rent is the single largest toll on my modest purse); 2. Life insurance premiums. These do accept credit card payments and I am about to apply for two. Sasha I think that using credit cards for very tight specific purposes like this is a good choice, as it raises your credit score and likely provides some sort of reward bonus or cash back bonus for the card. The key, of course, is paying off the balance in full each month. Youll have to check with the credit card in terms of whether or not such payments qualify for the cash back reward. It depends on the specific offer and probably on how you go about the payment. If I were you, the next step Id take is talking to my landlord about credit card payments. My guess is that a small business might not accept credit cards, but a large one will. You may want to consider other strict uses for it as well, such as gas purchases or other regular bills. Q12: Saving old journals I loved to learn that you also use the three morning pages idea! I have been doing this for years and years, since 2000 at least. Question: what do you do with the old journals? I have a box of them in the garage. I realize I dont really look at them but it feels wrong to just burn them or throw them away but I also dont really want my kids to read them because theyre really personal and I sometimes work through hard feelings about motherhood. Jenny Personally, I digitize all of my old journal entries and then destroy the originals. (The exception is journals that Im hand-writing for each of my kids to give to them when theyre adults that contains a summary of the life advice I have for them along with things like family histories and recollections.) My process is that when I finish a journal, I put it aside for a while until I realize Im no longer looking back on it (usually six months or so), then I cut all of the pages out of the binding and scan them all (I use Scanner Pro). Then, I burn the original pages. That way, I can easily browse through them when I want, search through them using text searching, and theyll basically go away when I die (I suppose one of my kids might find them if they trawl through lots of my digital detritus, but most likely theyll just toss out old computer equipment without a second thought). Most of the stuff Ive written is simply me working through personal problems, and I really have no interest in rereading that stuff. The valuable stuff, for me, is when Im working through an intellectual idea, because I often want to revisit the earlier thoughts. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-tax-brackets-compound-interest-warehouse-clubs-stamps-and-more/
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The first time I voted I didn’t do my research because I allowed someone to encourage me to believe that the Democratic party had no business running office. I was young and naive and easily persuaded. Trust me I learned my lesson, can’t and won’t let anyone think for me.
2007 came around and it was time to find our next president of the beautiful U.S.A and I was excited and pumped. I literally felt the adrenaline pumping through my veins, because I was going to do my own research, I was going to make my own mind about who I thought was fit to run our country and I was going to help. So my research began and I stumbled upon this Senator from Chicago. He was smart, eloquent, funny, kind that was looking for change and wanted to bring hope. Bonus points he looked like me. By me I mean minority. Finally a step in the right direction, a person who back in his time understood what it was like to feel confused on where you stood in the world. He wasn’t some rich privileged silver spoon man. Seriously I finally found my president. Every single Sunday from 9am to 3pm I went to door to door making sure my community was looking for hope as well. I liked it so much I signed up to campaign once again rain or shine. 
There are a ton of you out there that were always so skeptical of President Obama from the beginning and have forgotten or didn’t pay attention to everything that Mr. President accomplished. Just in case you forgot:
1. Passed Health Care Reform: After five presidents over a century failed to create universal health insurance, signed the Affordable Care Act (2010). It will cover 32 million uninsured Americans beginning in 2014 and mandates a suite of experimental measures to cut health care cost growth, the number one cause of America’s long-term fiscal problems(FYI I have benefited from this, before I couldn’t afford any health care and hadn’t gone to a doctor for over tens before this Act was passed). 
2. Passed the Stimulus: Signed $787 billion American Recovery and Reinvestment Act in 2009 to spur economic growth amid greatest recession since the Great Depression. Weeks after stimulus went into effect, unemployment claims began to subside. Twelve months later, the private sector began producing more jobs than it was losing, and it has continued to do so for twenty-three straight months, creating a total of nearly 3.7 million new private-sector jobs.
3. Passed Wall Street Reform: Signed the Dodd-Frank Wall Street Reform and Consumer Protection Act (2010) to re-regulate the financial sector after its practices caused the Great Recession. The new law tightens capital requirements on large banks and other financial institutions, requires derivatives to be sold on clearinghouses and exchanges, mandates that large banks provide “living wills” to avoid chaotic bankruptcies, limits their ability to trade with customers’ money for their own profit, and creates the Consumer Financial Protection Bureau (now headed by Richard Cordray) to crack down on abusive lending products and companies.
4. Ended the War in Iraq: Ordered all U.S. military forces out of the country. Last troops left on December 18, 2011.
5. Began Drawdown of War in Afghanistan: From a peak of 101,000 troops in June 2011, U.S. forces are now down to 91,000, with 23,000 slated to leave by the end of summer 2012. According to Secretary of Defense Leon Panetta, the combat mission there will be over by next year.
6. Eliminated Osama bin laden: In 2011, ordered special forces raid of secret compound in Abbottabad, Pakistan, in which the terrorist leader was killed and a trove of al-Qaeda documents was discovered.
7. Turned Around U.S. Auto Industry: In 2009, injected $62 billion in federal money (on top of $13.4 billion in loans from the Bush administration) into ailing GM and Chrysler in return for equity stakes and agreements for massive restructuring. Since bottoming out in 2009, the auto industry has added more than 100,000 jobs. In 2011, the Big Three automakers all gained market share for the first time in two decades. The government expects to lose $16 billion of its investment, less if the price of the GM stock it still owns increases.
8. Recapitalized Banks: In the midst of financial crisis, approved controversial Treasury Department plan to lure private capital into the country’s largest banks via “stress tests” of their balance sheets and a public-private fund to buy their “toxic” assets. Got banks back on their feet at essentially zero cost to the government.
9. Repealed “Don’t Ask, Don’t Tell”: Ended 1990s-era restriction and formalized new policy allowing gays and lesbians to serve openly in the military for the first time.
10. Toppled Moammar Gaddafi: In March 2011, joined a coalition of European and Arab governments in military action, including air power and naval blockade, against Gaddafi regime to defend Libyan civilians and support rebel troops. Gaddafi’s forty-two-year rule ended when the dictator was overthrown and killed by rebels on October 20, 2011. No American lives were lost.
11. Told Mubarak to Go: On February 1, 2011, publicly called on Egyptian President Hosni Mubarak to accept reform or step down, thus weakening the dictator’s position and putting America on the right side of the Arab Spring. Mubarak ended thirty-year rule when overthrown on February 11.
12. Reversed Bush Torture Policies: Two days after taking office, nullified Bush-era rulings that had allowed detainees in U.S. custody to undergo certain “enhanced” interrogation techniques considered inhumane under the Geneva Conventions. Also released the secret Bush legal rulings supporting the use of these techniques.
13. Improved America’s Image Abroad: With new policies, diplomacy, and rhetoric, reversed a sharp decline in world opinion toward the U.S. (and the corresponding loss of “soft power”) during the Bush years. From 2008 to 2011, favorable opinion toward the United States rose in ten of fifteen countries surveyed by the Pew Global Attitudes Project, with an average increase of 26 percent.
14. Kicked Banks Out of Federal Student Loan Program, Expanded Pell Grant Spending: As part of the 2010 health care reform bill, signed measure ending the wasteful decades-old practice of subsidizing banks to provide college loans. Starting July 2010 all students began getting their federal student loans directly from the federal government. Treasury will save $67 billion over ten years, $36 billion of which will go to expanding Pell Grants to lower-income students.
15. Created Race to the Top: With funds from stimulus, started $4.35 billion program of competitive grants to encourage and reward states for education reform.
16. Boosted Fuel Efficiency Standards: Released new fuel efficiency standards in 2011 that will nearly double the fuel economy for cars and trucks by 2025.
17. Coordinated International Response to Financial Crisis: To keep world economy out of recession in 2009 and 2010, helped secure from G-20 nations more than $500 billion for the IMF to provide lines of credit and other support to emerging market countries, which kept them liquid and avoided crises with their currencies.
18. Passed Mini Stimuli: To help families hurt by the recession and spur the economy as stimulus spending declined, signed series of measures (July 22, 2010; December 17, 2010; December 23, 2011) to extend unemployment insurance and cut payroll taxes.
19. Began Asia “Pivot”: In 2011, reoriented American military and diplomatic priorities and focus from the Middle East and Europe to the Asian-Pacific region. Executed multipronged strategy of positively engaging China while reasserting U.S. leadership in the region by increasing American military presence and crafting new commercial, diplomatic, and military alliances with neighboring countries made uncomfortable by recent Chinese behavior.
20. Increased Support for Veterans: With so many soldiers coming home from Iraq and Iran with serious physical and mental health problems, yet facing long waits for services, increased 2010 Department of Veterans Affairs budget by 16 percent and 2011 budget by 10 percent. Also signed new GI bill offering $78 billion in tuition assistance over a decade, and provided multiple tax credits to encourage businesses to hire veterans.
21. Tightened Sanctions on Iran: In effort to deter Iran’s nuclear program, signed Comprehensive Iran Sanctions, Accountability, and Divestment Act (2010) to punish firms and individuals who aid Iran’s petroleum sector. In late 2011 and early 2012, coordinated with other major Western powers to impose sanctions aimed at Iran’s banks and with Japan, South Korea, and China to shift their oil purchases away from Iran.
22. Created Conditions to Begin Closing Dirtiest Power Plants: New EPA restrictions on mercury and toxic pollution, issued in December 2011, likely to lead to the closing of between sixty-eight and 231 of the nation’s oldest and dirtiest coal-fired power plants. Estimated cost to utilities: at least $11 billion by 2016. Estimated health benefits: $59 billion to $140 billion. Will also significantly reduce carbon emissions and, with other regulations, comprises what’s been called Obama’s “stealth climate policy.”
23. Passed Credit Card Reforms: Signed the Credit Card Accountability, Responsibility, and Disclosure Act (2009), which prohibits credit card companies from raising rates without advance notification, mandates a grace period on interest rate increases, and strictly limits overdraft and other fees.
24. Eliminated Catch-22 in Pay Equality Laws: Signed Lilly Ledbetter Fair Pay Act in 2009, giving women who are paid less than men for the same work the right to sue their employers after they find out about the discrimination, even if that discrimination happened years ago. Under previous law, as interpreted by the Supreme Court in Ledbetter v. Goodyear Tire & Rubber Co., the statute of limitations on such suits ran out 180 days after the alleged discrimination occurred, even if the victims never knew about it.
25. Protected Two Liberal Seats on the U.S. Supreme Court: Nominated and obtained confirmation for Sonia Sotomayor, the first Hispanic and third woman to serve, in 2009; and Elena Kagan, the fourth woman to serve, in 2010. They replaced David Souter and John Paul Stevens, respectively(this one made me so happy to see more diversity on these seats, almost like the feeling that can be me). 
26. Improved Food Safety System: In 2011, signed FDA Food Safety Modernization Act, which boosts the Food and Drug Administration’s budget by $1.4 billion and expands its regulatory responsibilities to include increasing number of food inspections, issuing direct food recalls, and reviewing the current food safety practices of countries importing products into America.
27. Achieved New START Treaty: Signed with Russia (2010) and won ratification in Congress (2011) of treaty that limits each country to 1,550 strategic warheads (down from 2,200) and 700 launchers (down from more than 1,400), and reestablished and strengthened a monitoring and transparency program that had lapsed in 2009, through which each country can monitor the other.
28. Expanded National Service: Signed Serve America Act in 2009, which authorized a tripling of the size of AmeriCorps. Program grew 13 percent to 85,000 members across the country by 2012, when new House GOP majority refused to appropriate more funds for further expansion.
29. Expanded Wilderness and Watershed Protection: Signed Omnibus Public Lands Management Act (2009), which designated more than 2 million acres as wilderness, created thousands of miles of recreational and historic trails, and protected more than 1,000 miles of rivers.
30. Gave the FDA Power to Regulate Tobacco: Signed the Family Smoking Prevention and Tobacco Control Act (2009). Nine years in the making and long resisted by the tobacco industry, the law mandates that tobacco manufacturers disclose all ingredients, obtain FDA approval for new tobacco products, and expand the size and prominence of cigarette warning labels, and bans the sale of misleadingly labeled “light” cigarette brands and tobacco sponsorship of entertainment events.
31. Pushed Federal Agencies to Be Green Leaders: Issued executive order in 2009 requiring all federal agencies to make plans to soften their environmental impacts by 2020. Goals include 30 percent reduction in fleet gasoline use, 26 percent boost in water efficiency, and sustainability requirements for 95 percent of all federal contracts. Because federal government is the country’s single biggest purchaser of goods and services, likely to have ripple effects throughout the economy for years to come.
32. Passed Fair Sentencing Act: Signed 2010 legislation that reduces sentencing disparity between crack versus powder cocaine possessionfrom100 to1 to 18 to1.
33. Trimmed and Reoriented Missile Defense: Cut the Reagan-era “Star Wars” missile defense budget, saving $1.4 billion in 2010, and canceled plans to station antiballistic missile systems in Poland and the Czech Republic in favor of sea-based defense plan focused on Iran and North Korea.
34. Began Post-Post-9/11 Military Builddown: After winning agreement from congressional Republicans and Democrats in summer 2011 budget deal to reduce projected defense spending by $450 billion, proposed new DoD budget this year with cuts of that size and a new national defense strategy that would shrink ground forces from 570,000 to 490,000 over the next ten years while increasing programs in intelligence gathering and cyberwarfare.
35. Let Space Shuttle Die and Killed Planned Moon Mission: Allowed the expensive ($1 billion per launch), badly designed, dangerous shuttle program to make its final launch on July 8, 2011. Cut off funding for even more bloated and problem-plagued Bush-era Constellation program to build moon base in favor of support for private-sector low-earth orbit ventures, research on new rocket technologies for long-distance manned flight missions, and unmanned space exploration, including the largest interplanetary rover ever launched, which will investigate Mars’s potential to support life.
36. Invested Heavily in Renewable Technology: As part of the 2009 stimulus, invested $90 billion, more than any previous administration, in research on smart grids, energy efficiency, electric cars, renewable electricity generation, cleaner coal, and biofuels.
37. Crafting Next-Generation School Tests: Devoted $330 million in stimulus money to pay two consortia of states and universities to create competing versions of new K-12 student performance tests based on latest psychometric research. New tests could transform the learning environment in vast majority of public school classrooms beginning in 2014.
38. Cracked Down on Bad For-Profit Colleges: In effort to fight predatory practices of some for-profit colleges, Department of Education issued “gainful employment” regulations in 2011 cutting off commercially focused schools from federal student aid funding if more than 35 percent of former students aren’t paying off their loans and/or if the average former student spends more than 12 percent of his or her total earnings servicing student loans.
39. Improved School Nutrition: In coordination with Michelle Obama, signed Healthy Hunger-Free Kids Act in 2010 mandating $4.5 billion spending boost and higher nutritional and health standards for school lunches. New rules based on the law, released in January, double the amount of fruits and vegetables and require only whole grains in food served to students.
40. Expanded Hate Crimes Protections: Signed Hate Crimes Prevention Act (2009), which expands existing hate crime protections to include crimes based on a victim’s sexual orientation, gender, or disability, in addition to race, color, religion, or national origin.
41. Avoided Scandal: As of November 2011, served longer than any president in decades without a scandal, as measured by the appearance of the word “scandal” (or lack thereof) on the front page of the Washington Post.
42. Brokered Agreement for Speedy Compensation to Victims of Gulf Oil Spill: Though lacking statutory power to compel British Petroleum to act, used moral authority of his office to convince oil company to agree in 2010 to a $20 billion fund to compensate victims of the Deepwater Horizon oil spill in the Gulf of Mexico; $6.5 billion already paid out without lawsuits. By comparison, it took nearly two decades for plaintiffs in the Exxon Valdez Alaska oil spill case to receive $1.3 billion.
43. Created Recovery.gov: Web site run by independent board of inspectors general looking for fraud and abuse in stimulus spending, provides public with detailed information on every contract funded by $787 billion American Recovery and Reinvestment Act. Thanks partly to this transparency, board has uncovered very little fraud, and Web site has become national model: “The stimulus has done more to promote transparency at almost all levels of government than any piece of legislation in recent memory,” reports Governing magazine.
44. Pushed Broadband Coverage: Proposed and obtained in 2011 Federal Communications Commission approval for a shift of $8 billion in subsidies away from landlines and toward broadband Internet for lower-income rural families.
45. Expanded Health Coverage for Children: Signed 2009 Children’s Health Insurance Authorization Act, which allows the Children’s Health Insurance Program (CHIP) to cover health care for 4 million more children, paid for by a tax increase on tobacco products.
46. Recognized the Dangers of Carbon Dioxide: In 2009, EPA declared carbon dioxide a pollutant, allowing the agency to regulate its production.
47. Expanded Stem Cell Research: In 2009, eliminated the Bush-era restrictions on embryonic stem cell research, which shows promise in treating spinal injuries, among many other areas.
48. Provided Payment to Wronged Minority Farmers: In 2009, signed Claims Resolution Act, which provided $4.6 billion in funding for a legal settlement with black and Native American farmers who the government cheated out of loans and natural resource royalties in years past.
49. Helped South Sudan Declare Independence: Helped South Sudan Declare Independence: Appointed two envoys to Sudan and personally attended a special UN meeting on the area. Through U.S. ambassador to the United Nations Ambassador Susan Rice, helped negotiate a peaceful split in 2011.
50. Killed the F-22: In 2009, ended further purchases of Lockheed Martin single-seat, twin-engine, fighter aircraft, which cost $358 million apiece. Though the military had 187 built, the plane has never flown a single combat mission. Eliminating it saved $4 billion... Just to name a few.. 
Come present day, time has come and my president, correction I mean our president after eight glorious years we must say goodbye. Watching his farewell speech last week was super hard, yes I cried like a baby, just like I cried when he was first elected and he addressed us our nation for the first time as our president. I have learned a lot from Mr. President, I learned kindness, I learned to be hopeful and patient. I also learned from our First Lady that I should never let anyone get in my way from becoming something. I can actually go for days on how great Mrs. Obama is, but I don’t think I have all night to right this. 
I am going to miss the First Family, the kindness, love, compassion, pose, grace and spirit they shared with our nation. One thing I will take from the Obamas is never losing HOPE, to always voice my concerns and make something happen. 
Farewell my president and Thank You for a wonderful eight years and being one of the greatest presidents in history. 
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