Tag Archives: news

Obama for America


Early this morning, the Senate made history and health reform cleared its most important hurdle yet — garnering the 60 votes needed to move toward a final vote in that chamber later this week.

I’m grateful to Senator Harry Reid and every senator who’s been working around the clock to make this happen. And I’m grateful to you, and every member of the Organizing for America community, for all the work you have done to make this progress possible.

After a nearly century-long struggle, we are now on the cusp of making health insurance reform a reality in the United States of America.As with any legislation, compromise is part of the process. But I’m pleased that recently added provisions have made this landmark bill even stronger. Between the time when the bill passes and the time when the insurance exchanges get up and running, insurance companies that try to jack up their rates do so at their own peril. Those who hike their prices may be barred from selling plans on the exchanges.

And while insurance companies will be prevented from denying coverage on the basis of pre-existing conditions once the exchanges are open, in the meantime there will be a high-risk pool where people with pre-existing conditions can purchase affordable coverage.    

A recent amendment has made these protections even stronger. Insurance companies will now be prohibited from denying coverage to children immediately after this bill passes. There’s also explicit language in this bill that will protect a patient’s choice of doctor. And small businesses will get additional assistance as well.

These protections are in addition to the ones we’ve been talking about for some time. No longer will insurance companies be able to drop your coverage if you become sick and no longer will you have to pay unlimited amounts out of your own pocket for treatments that you need.

Under this bill families will save on their premiums; businesses that would see their costs rise if we don’t act will save money now and in the future. This bill will strengthen Medicare and extend the life of the program. Because it’s paid for and gets rid of waste and inefficiency in our health care system, this will be the largest deficit reduction plan in over a decade.

Finally, this reform will extend coverage to more than 30 million Americans who don’t have it.

These are not small changes. These are big changes. They’re fundamental reforms. They will save money. They will save lives.

And your passion, your work, your organizing helped make all of this possible. Now it’s time to finish the job.

Thank you,

President Barack Obama

drug benefit expands to 1million more Seniors…the program is called Extra Help


Electronic Publication …  www.socialsecurity.gov

“It’s extra help,” Checker said in an interview, “and this is what I’m all about.”   To help promote the new twist in the law, Astrue enlisted Chubby Checker, who danced and sang “The Twist” to the top of the pop charts in the early 1960s. Those too young to remember Checker probably don’t qualify for the 65-and-up .

Who can get Extra Help?

Anyone who has Medicare can get Medicare Part D prescription drug coverage. Some people with limited income and resources are eligible for Extra Help to pay for the costs–monthly premiums, annual deductibles, and prescription co-payments–related to a Medicare prescription drug plan. To qualify for Extra Help:

  • You must reside in one of the 50 states or the District of Columbia.
  • Your resources must be limited to $12,510 for an individual or $25,010 for a married couple living together. Resources include such things as bank accounts, stocks, and bonds. We do not count your house and car as resources; and
  • Your annual income must be limited to $16,245 for an individual or $21,855 for a married couple living together. Even if your annual income is higher, you still may be able to get some help. Some examples where your income may be higher are if you or your spouse:
    • Support other family members who live with you;
    • Have earnings from work; or
    • Live in Alaska or Hawaii.

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How does the new law change what is counted as income and resources?

Beginning January 1, 2010, when determining your eligibility for Extra Help:

  • We will no longer count as a resource any life insurance policy; and
  • We will no longer count as income the help you receive regularly from someone else to pay your household expenses—food, mortgage, rent, heating fuel or gas, electricity, water, and property taxes.
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What else should I know about the new law?

If you already receive Extra Help, you will not need to reapply in 2010. Social Security will see if you are entitled to any additional Extra Help because we no longer count your life insurance or help with household expenses.

Beginning January 1, 2010, when you file your application for Extra Help, you also can start your application process for the Medicare Savings Programs—state programs that provide help with other Medicare costs. Social Security will send information to your state unless you tell us not to on the Extra Help application. Your state will contact you to help you apply for a Medicare Savings Program. These Medicare Savings Programs help people with limited income and resources pay for their Medicare expenses. The Medicare Savings Programs help pay for your Medicare Part B (medical insurance) premiums. For some people, the Medicare Savings Programs also may pay for Medicare Part A (hospital insurance) premiums, if any, and Part A and B deductibles and co-payments.

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How do I apply for Extra Help?

It is easy to apply for Extra Help. Just complete Social Security’s Application for Extra Help with Medicare Prescription Drug Plan Costs (SSA-1020). Here’s how:

After you apply, Social Security will review your application and send you a letter to let you know if you qualify for the Extra Help. Once you qualify, you can choose a Medicare prescription drug plan. If you do not select a plan, the Centers for Medicare & Medicaid Services (CMS) will do it for you. The sooner you join a plan the sooner you begin receiving benefits.

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Why should I apply for Extra Help online?

Our online application is secure and offers several advantages. It takes you through the process, step by step, with a series of self-help screens. The screens will tell you what information you need to complete the application and will guide you in answering the questions fully. You can apply from any computer at your own pace. You can start and stop at any time during the process, so you can leave the application and go back later to update or complete any of the required information. We are careful to protect your personal information

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How can I get more information?

For more information about getting Extra Help with your Medicare prescription drug plan costs, visit www.socialsecurity.gov or call Social Security at 1-800-772-1213 (TTY 1-800-325-0778). Social Security representatives are available to help you complete your application.

If you need information about Medicare Savings Programs, Medicare prescription drug plans, how to enroll in a plan, or to request a copy of the Medicare & You handbook, please visit www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227; TTY, 1-877-486-2048). When you call, you also can request information about how to contact your State Health Insurance Assistance Program (SHIP). In addition, you can find your local SHIP contact information on the back of your Medicare handbook or obtain the information online at www.medicare.gov/contacts/staticpages/ships.aspx.

Fashion tips … Handbags


7 Tricks to Ensure Your Handbags Will Last for Years

By Allyson Payer

We’re more willing to splurge on a beautiful designer handbag than on any other wardrobe component, justifying our purchase by saying, “Well, this’ll last me for years,” which brings us to today’s subject: learning how to preserve and properly care for these investment items. Luckily, there are a few simple steps you can take to ensure that your precious satchels are kept in mint condition for years to come.

Scroll down to see our tips, and to shop gorgeous investment bags that you’ll want to protect!

1. Protect The Material:7 Tricks to Ensure Your Handbags Will Last for YearsThe Blonde Salad

Want to shield your new bag from spills and dirt before they happen? Scotchgard Fabric will do the trick for fabric panels, while Scotchgard Suede and Nubuck is a great water and oil repellant for suede. Both Collonil and Chamberlain’s make great leather-protecting products. Apply product with a clean white cotton cloth, followed by a dry cotton cloth to buff. Use products regularly on heavily used bags. With any products, test a small patch on the bag to make sure it doesn’t cause discoloration.

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Collonil Leather Gel

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Chamberlain’s Leather Milk

2. Store Them Properly:

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Le 21eme

Do your bags get tossed onto a haphazard heap at the bottom of your closet? They’ll last longer if stored the right way, ideally in an upright position in their dust bags or a cotton pillowcase. Never store them in plastic or vinyl, which traps moisture inside. Stuff your bags with scarves, sweaters, or acid-free tissue paper, or use a handbag insert made for this purpose. Cross the handles over each other to avoid wear on the bag and unclip any removable straps for long-term storage.

Related: The ONE Mistake Every Handbag Owner Makes

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The Container Store Quilted Handbag Shapers

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The Container Store Linen Handbag Storage Bin

3. Remove Stains the Right Way:

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Athens Streetstyle

The first step is to know what type of stain you’re dealing with, as that will dictate the removal method. See specific techniques below!

Food stains: Crush white chalk and let it sit on the stain overnight. Brush off with a clean cloth in the morning.

Oil stains: Put cornstarch on the stain immediately, rubbing it in to create heat from friction, which will help the oil absorb. Brush the powder off with a clean cloth after you’ve rubbed it in—don’t let it sit on the stain.

Ink stains: If the stain is fresh, use a white eraser to immediately erase the spot, without applying too much pressure so that the color doesn’t come off. If the ink is already set, you’ll need a professional (see tip #7). An eraser also works for dirt stains.

Water stains: Blot water stains, let them dry naturally, and bring your bag to a professional for removal.

Odor removal: Keep a plastic bag filled with baking soda inside your handbag. Zip the handbag or place it in a larger bag that seals if it doesn’t zip. Keep the baking soda in the bag for one or two days to absorb the odor. Another option? Place a couple of dryer sheets in the bag for a few days.

Related: Heavy Purse? 5 Smart Ways to Lighten Your Load

4. Protect the Lining: 

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A Love is Blind

Use pouches to store cosmetics and liquids, which will protect the handbag lining from spills and keep you organized to boot. Avoid click pens at all cost, opting for pens with caps instead. Better yet, put those in your pouch too, in case of dreaded ink leaks.

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Comme des Garçons Star Embossed Small Pouch

5. Keep Metal Hardware Shiny:

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A Love is Blind

Do your best to keep away jewelry and zippers that could scratch your bag’s metal hardware. A go-to household item, Mr. Clean’s Magic Erasers, do a great job of cleaning up tarnished and grimy hardware.

Related: 14 Items Every Woman Should Have In Her Purse

6. Practice Routine Maintenance: 

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Athens Streetstyle

Here are a few best practices when it comes to daily handbag maintenance:

1. Avoid handling your bag if your hands are dirty or have lotion or cream on them.
2. Keep your bag out of direct sunlight.
3. Rotate which handbag you carry regularly so that they don’t wear out too quickly.
4. Use a suede brush to clean and revive suede.
5. Regular use of a leather moisturizer will keep the leather supple and free of cracks.
6. Wipe your bag down on a weekly basis (when in use) with a soft cloth.

7. Take It to a Professional:

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A Love is Blind

For stains and wear and tear beyond your handbag maintenance skill set, take it to a handbag repair professional. Most shoe repair professionals also work on handbags. They’ll treat it for you, clean it, and restore color as needed. If your bag doesn’t have metal feet on the bottom, it’s wise to have those installed, as they’ll protect it from scratches and dirt.

Related: Your Ultimate Guide to Fall’s Must-Have It-Bags

Shop Investment Handbags:

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A.P.C. Edith Leather Shoulder Bag

A structured black bag will take you from day to night. Bonus points for sleek gold hardware.

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Chloe Large Drew Grained Leather Shoulder Bag

All the cool girls are wearing this It-bag with a cool yet classic vibe.

Related: Is THIS The New It-Bag for Fall?

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M2Malletier Memento Mori Bag

This slightly larger version of M2Malletier’s popular clutch style is perfect for everyday wear.

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Building Block Bucket Bag

Buttery forest green leather and oversized tassels join forces to create a perfectly quirky bucket bag for fall.

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Mark Cross Laura Leather Shoulder Bag

Boxy shapes are in for fall, so tap into the trend with this structured Mark Cross version.

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Rag & Bone Haircalf Bradbury Small Flap Hobo

This leopard calf-hair bag makes a subtle statement and gives a luxe feel to any outfit.

Can a Dietary Supplement Treat a Concussion? No!


FDA Logo

 

Some companies are marketing untested, unproven, and possibly dangerous products that claim to prevent, treat, or cure concussions and other traumatic brain injuries.

Learn why dietary supplements can’t treat concussions and why using them for this purpose can be dangerous. Read the Consumer Update to learn more.


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The President Addresses the GLACIER Conference 8/31