Saturday, March 14, 2020

About the Supplemental Security Income Program - SSI

About the Supplemental Security Income Program - SSI Supplemental Security Income (SSI) is a federal government benefit program providing cash to meet basic needs for food, clothing, and shelter to persons who are blind or otherwise disabled and have little or no other income. Monthly SSI benefits are paid to persons with limited income and resources who are disabled, blind, or age 65 or older. Blind or disabled children, as well as adults, can qualify to get SSI benefits. How SSI is Different From Retirement Benefits While the SSI program is administered by the Social Security Administration, the way in which SSI benefits are administered is very different from how Social Security retirement benefits are paid. SSI benefits do not require and are not based on the recipients prior work or a family members prior work. In other words, no current or prior employment is required to qualify for SSI benefits. Unlike Social Security benefits, SSI benefits are funded by general funds from the U.S. Treasury generated by income taxes paid be individuals and corporations. Social Security taxes withheld from workers paychecks under the Federal Insurance Contributions Act (FICA) do not help fund the SSI program. Total SSI funding, along with maximum monthly amounts to be paid to SSI recipients, are set annually by Congress as part of the federal budget process. SSI recipients in most states can also have their benefits supplemented by Medicaid to help pay for doctor bills, prescriptions and other health care costs. SSI beneficiaries may also be eligible for food stamps in every state except California. In some states, an application for SSI benefits also serves as an application for food stamps. Who is Eligible for SSI Benefits Anyone who is: aged (age 65 or older);blind or disabled. And, who: has limited income; andhas limited resources; andis a U.S. citizen or national, or in one of certain categories of aliens; andis not absent from the country for a full calendar month or for 30 consecutive days or more; andis not confined to an institution (such as a hospital or prison) at the governments expense; andapplies for any other cash benefits or payments for which he or she may be eligible, (for example, pensions, Social Security benefits); andgives SSA permission to contact any financial institution and request any financial records about you; andfiles an application; andmeets certain other requirements. What Does  Ã¢â‚¬ËœLimited Income’ Include? For purposes of determining SSI eligibility, Social Security counts the following as income: money you earn from work;money you receive from other sources, such as Social Security benefits, workers compensation, unemployment benefits, the Department of Veterans Affairs, friends or relatives; andfree food or shelter. What  Are ‘Limited Resources’? For purposes of determining SSI eligibility, Social Security counts the following as limited resources: cash;bank accounts, stocks, U.S. savings bonds;land and real estate;vehicles;personal property;life insurance; andanything else you own that could be converted to cash and used for food or shelter. NOTE: For complete details on the SSI program, including qualifications and how to apply for benefits, see the  Understanding Supplemental Security Income home page on the SSA website.   SSI Payment Details Amounts of SSI benefit payments are set annually by Congress and are typically adjusted every January to reflect the current cost of living.  Maximum (SSI) payment amounts increase with the cost-of-living increases (COLA) that apply to Social Security retirement benefits. Some states provide supplemental SSI benefits. SSI benefit payments are not taxable. Possible Benefit Reductions Exact benefit amounts paid to individual SSI recipients may be less than the maximum depending on non-SSI income, like wages and other Social Security benefits. Persons living in their own home, in the home of another person, or in a Medicaid-approved nursing home may also have their SSI payments reduced accordingly. The monthly amount is reduced by subtracting monthly countable income. In the case of an eligible individual with an eligible spouse, the amount payable is further divided equally between the two spouses.   Updated current maximum and average SSI payment amounts can be found on the SSI Statistics web site. SSI Work Incentive Programs Helping people with disabilities achieve independence by taking advantage of employment opportunities is one of the Social Security Administration’s highest priorities. SSI’s work incentive programs help disabled and blind SSI recipients to continue to work while minimizing the risk of losing their SSI or Medicaid benefits. Certain work incentive programs allow SSI recipients to exempt some of their work income from their list of resources. Others allow SSI recipients to continue to receive Medicaid coverage even though they are not receiving monthly SSI cash benefits. SSI recipients may be eligible to take advantage of more than one work incentive program. As with Social Security retirement benefits, working can reduce the amount of the recipient’s SSI benefit payments. Complete information on SSI work incentive opportunities can be found in the SSA’s â€Å"The Red Book - A Guide to Work Incentives.†

Wednesday, February 26, 2020

Study 4 - GuideStar Coursework Example | Topics and Well Written Essays - 500 words

Study 4 - GuideStar - Coursework Example Its mission statement was cited as: â€Å"provides scholarships to exceptional Asian and Pacific Islander Americans (APIAs) with financial need. Our vision is that all APIAs who wish to pursue higher education have that opportunity, regardless of their ethnicity, national origin or financial means† (GuideStar, 2012, p. 1). The site would be useful to individuals, organizations and foundations in terms of the provision of accurate information needed to learn more on the organization. As indicated, the official website of the APIASF is http://www.apiasf.org/#1 which could be easily accessed. The information for the fundraising process could be accessed from the organization’s ‘Support Us’ link where there are options to donate through online or by mail. Likewise, donation at work could also be done by federal and state employees, as well as those from the private sector. Concurrently, corporations and foundations were noted for possibilities to be donors through â€Å"general operating support, direct program support and in-kind contributions of products or services† (APIASF, 2009). As such, the provisions of this information make fundraising process easy with the options given and the ways by which organizations and foundations could participate. The discussion of ethical standards and principles from this organization was contained in their alliance with FedEx, to wit: â€Å"Consistently ranked among the worlds most admired and trusted employers, FedEx inspires its more than 290,000 team members to remain "absolutely, positively" focused on safety, the highest ethical and professional standards and the needs of their customers and communities† (APIASF, 2011). In terms of disclosure of financial highlights, APIASF have included options in their official website to view the Annual Reports in pdf form. As of current time, the 2010 and 2009 annual reports are accessible. Total revenues of

Monday, February 10, 2020

Fair Trade Degree Essay Example | Topics and Well Written Essays - 1000 words

Fair Trade Degree - Essay Example While the banks do not accept that the unfairness rules of the Unfair Terms in Consumer Contract Regulations apply, the OFT argue that such rules apply. A swift determination of this issue will assist expeditiously resolve the fairness issue of these charges.2 The 1999 Regulations, implementing the Directive, revoked and replaced the Unfair Terms in Consumer Contract Regulations 1994. The 1999 Regulations apply in relation to terms in contracts concluded between a seller or a supplier and a consumer (Regulation 4(1)). Regulation 5(1) provides: "A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer." Regulation 5(5) provides that Schedule 2 to the 1999 Regulations contains an indicative and non-exhaustive list of the terms which may be regarded as unfair. Regulation 8(1) provides that an unfair term in a contract concluded with a consumer by a seller or supplier shall not be binding on the consumer. Regulation 8(2) provides that the contract shall continue to bind the parties if it is capable of continuing in existence without the unfair term. The only material exception to the applicability of the test of fairness set out in 1999 Regulations is contained in Regulation 6(2) relating to what are called, for short, "core terms": "In so far as it is in plain intelligible language, the assessment of fairness of a term shall not relate- (a) to the definition of the main subject matter of the contract, or (b) to the adequacy of the price or remuneration, as against the goods or services supplied in exchange". Banks enter into personal current account agreements with their customers who are consumers, containing the terms and conditions relating to the operation of those current accounts by such customers. In so far as any of these terms and charges are contained in documents which are described as notices to, guides to, or communications with, customers, they are nevertheless to be considered as terms of a contract between the Bank and its customers for the purposes of the 1999 Regulations, whether or not they are described as terms or as "policies of the bank" or as anything else. The Banks' current account agreements typically provide or provided for three types of payments to be demanded from customers in connection with unauthorised overdrafts: A fee charged by Banks: (a) when a customer seeks to operate his current account in a way that will result in the account being debited despite there being insufficient available funds to support the debit but the Bank nevertheless agrees to ef fect payment, causing the account to go into overdraft or further overdraft, or to exceed, or further exceed, an already agreed overdraft limit; when a customer moves into or is in an unauthorised overdrawn position within a specified period. A returned item fee, e.g. as in the previous case, a cheque is presented but in this case the Bank declines to authorise payment because there are insufficient funds, and the cheque has to be returned to the payee marked "R/D" or "RDPR" or "Effects uncleared". An increased rate of interest charged on unauthorised overdrafts granted in the circumstances set out above. The provisions in the

Thursday, January 30, 2020

Mongol Movie Essay Example for Free

Mongol Movie Essay Genghis Khan who was a slave before going on to conquer half the world including Russia in 1206. Mongol begins as Tem?Jin (Genghis) is a young boy, searching for his future bride with his father, a khan. Throughout the film, the audience is shown all of the trials and tribulations that Tem?Jin had to go through in order to rise from slavery into the position of khan. As the film begins, the audience is shown the rough face of a prisoner being mocked in his cell in the Chinese kingdom Tangut. This prisoner is Tem?Jin. From this point onward, the movie is somewhat told in flashback by years. Leaving on an expedition as a young boy, Tem?Jin travels along with his father Yes?gei to select a girl as his future wife. Tem?Jin meets and chooses BÂ ¶rte although his father wishes him to choose a mate from the Merkit tribe. Tem?Jin convinces his father to allow him to choose BÂ ¶rte. He promises to return after five years to marry her. After leaving, Yes?gei is poisoned by a rival tribe and dies. Upon returning to their camp, Tem?Jin and his mother find one of his fathers warriors looting their possessions. The warrior tries to kill Tem?Jin, as he is a threat to his path to khan, but is reminded that it is against Mongol law to kill a child. He promises to return in the winter and kill the boy as a teen. Tem?Jin is shown throughout his teen years running from the warrior and his men in order to survive. Throughout the movie, Tem?Jin is seen praying to the Mongol god of the sky during hard times. One day he is found in the snow by a boy his age named Jamukha. They certify their friendship by becoming blood brothers. Tem?Jin is then captured by the warrior twice, and is able to escape both times, the second time finding BÂ ¶rte and returning to his mother with her. The warrior manages to find and pursue the reunited couple. While an injured Tem?Jin is able to escape by BÂ ¶rte surrendering herself to the khan and his men, she is captured and taken to their tribe. Tem?Jin locates his blood brother, who is now a khan, and asks him to help him find his wife and get her back. After a successful attle and recovering a pregnant BÂ ¶rte, the couple and a few warriors head out, including 2 of Jamukhas. He warns Tem?Jin that this action will cost him. This is proven when Jamukhas birth brother is killed by one of Tem?Jin soldiers. Jamukha and Tem?Jin go to war. Outnumbered, Tem?Jins army is quickly defeated. Jamukha declares victory and decides to make Tem?Jin a slave rather than execute him. Tem?Jin is sold into slavery in the Tangut kingdom and is put on display as The Mongol who threatened to take down the Tangut kingdom which can be considered ajor foreshadowing. Tem?Jin promises to a monk to spare mercy upon a monastery in the kingdom after he takes over as khan, as long as the monk finds Tem?Jins wife and son. While the monk dies on the Journey

Wednesday, January 22, 2020

Importance of Settings in Charlotte Brontes Jane Eyre Essay -- Jane E

Importance of Settings in Jane Eyre Throughout Jane Eyre, as Jane herself moves from one physical location to another, the settings in which she finds herself vary considerably. Bronte makes the most of this necessity by carefully arranging those settings to match the differing circumstances Jane finds herself in at each. As Jane grows older and her hopes and dreams change, the settings she finds herself in are perfectly attuned to her state of mind, but her circumstances are always defined by the walls, real and figurative, around her. As a young girl, she is essentially trapped in Gateshead. This sprawling house is almost her whole world. Jane has been here for most of her ten years. Her life as a child is sharply defined by the walls of the house. She is not made to feel wanted within them and continues throughout the novel to associate Gateshead with the emotional trauma of growing up under its "hostile roof with a desperate and embittered heart." Gateshead, the first setting is a very nice house, though not much of a home. As she is constantly reminded by John Reed, Jane is merely a dependent here. When she finally leaves for Lowood, as she remembers later, it is with a "sense of outlawry and almost of reprobation." Lowood is after all an institution where the orphan inmates or students go to learn. Whereas at Gateshead her physical needs were more than adequately met, while her emotional needs were ignored. Here Jane finds people who will love her and treat her with respect. Miss Temple and Helen Burns are quite probably the first people to make Jane feel important since Mr. Reed died. Except for Sunday services, the girls of Lowood never leave the confines of those walls. At Low... ... temperament than any she has had before and the walls that she finds herself within are attractive. At Moor House, Jane is exposed to a way of living she had never quite seen before and, having seen the reality of the world she had previously only imagined. She then takes a job as a teacher -- the only skill she truly has. She finds another home, and again it suits her prospects. The cottage is â€Å"a little room with white-washed walls and a sanded floor" and a bed to sleep in. Here at Moor house is where Jane learns what it is to be an independent woman. Of course the twenty thousand pounds from John Eyre's inheritance doesn’t hurt. In the final setting of the book at Ferndean, this is the place at where Jane will settle down. At the ends she concludes at Ferndean where she has now been cast into the role of a mother and from here so concludes the book.

Tuesday, January 14, 2020

Promoting autonomy of oneself and others Essay

Introduction                     Autonomy is the ability to have the capacity for self-governance or have self- determination. This is a concept which comes out through various arenas. For example, the moral autonomy is usually governed by the moral laws ( Deci, 2010). Therefore, personal autonomy can be said to be the capacity of a person to pursue actions based on moral content. This paper will compare the philosophical work by Nietzsche and MacIntyre and determine who offers the best tool of promoting autonomy. Over the past centuries, the teachings of Friedrich Nietzsche have transformed and penetrated every realm of social culture in the Western world. In his essays, he examines the significance of people’s ability to make promises. He states that to hold to the promises made requires both confidence about the future and very powerful memory that will ensure that certain issues are not forgotten. According to Nietzsche confidence requires one to be predictable or calculable and, therefore, he or she must share common sets of customs and laws that govern his or her behaviour (Risse, 2001). The society and morality play an important part of making a person predictable, therefore, giving the person ability to make promises. This process according to Nietzsche is complicated as it ends up in the ‘sovereign person’ who can make decisions, not only because the person in question is bounded by social mores but because he or she is the master of his or her own free will. The sovereign of an individual is characterised by tremendous responsibilities of one being free to make claims in regard to his or her future. This sense of responsibility according to Nietzsche is called conscience (Risse, 2001). Nietzsche defines the concept of ‘bad conscience and guiltiness using German words for ‘debt’ and ‘guilt.’ He suggested that, originally, there were no relationship between guilt and accountability or immorality. Punishments were meted on the basis of reprisal and not on the basis of guilt. If a person failed to honour promises, then they were considered to be in debt the person they failed. The debt could then be balanced by punishing or torturing the person. This happened to a person say the creditor who had no interest of getting his money back from the debtor. Thus, the memory of making promises during this time was burdened and the punishments and cruelty ensured that the debtor does not forget his promises next time (Risse, 2001). Macintyre’s in his book, ‘After Virtue (1981)’ explains his long ethical project. The book diagnoses the rising issues in the society such as ‘culture of emotivism’ where the moral language pragmatically manipulates decisions, attitude and decision. According to the book, those moral cultures are said to be a theatre of illusion where the objectives of moral rhetoric masks the decisions. The books examine the part of the community in making the judgments about the truth or falsity. The work by MacIntyre also examines the reasons why human beings need virtues through investigating the social debts and needs of human agents and the part which they were playing in the formation of an independent practical person who can reason (Borden, 2007). The philosophy by Maclntyre’s is very important especially to the fields of communitarian politics and the virtues of ethics. He points out the insignificance of conventional business ethic as an application of the modern moral concepts in decision making. His work in philosophy has lead tremendous renewal of values over the last decades. For example, in his works his discusses the moral condemnation of Stalinism. His presentation of this concept draws two important conclusions related to morality, one is the fact of the people’s solidarity in discovering what people want in their moral life (Borden, 2007).. According to MacIntyre morality organises life of the community. As he concludes his book, he says that the concepts of morality are neither historical nor timeless and, therefore, the understanding the developments of historical, ethical concepts can liberate people from any falsity claims (Borden, 2007). MacIntyre’s Aristotelian offers the best tool of promoting autonomy of one self and others compared to Nietzsche because he examines the habits that humans should develop in order to make judgement and act efficiently in the pursuit of the true choices which have a worthy end. His examination has a very rich account on the deliberate activities by human that encompass moral formation and society life. He also accounts why humans have practical wisdom to do what is right based on the freedom of morality. References Borden, S. L. (2007). Journalism as practice: MacIntyre, virtue ethics and the press. Ashgate Publishing, Ltd.. Deci, E. L., & Ryan, R. M. (2010). The support of autonomy and the control of behavior. Journal of personality and social psychology, 53(6), 1024.Risse, M. (2001). The Second Treatise in In the Genealogy of Morality: Nietzsche on the Origin of the Bad Conscience. European Journal of Philosophy, 9(1), 55-81. Source document

Monday, January 6, 2020

The Secret Life of Bees by Sue Monk Kidd Book Review

The Secret Life of Bees by Sue Monk Kidd centers on Lilys search for a connection to her mother who died in a tragic accident when she was a toddler. Taking place in South Carolina in the 1960s, The Secret Life of Bees explores race, love and the idea of home in turbulent times. It is a lovingly written drama that keeps the pages turning. We highly recommend The Secret Life of Bees, especially to women and womens book clubs. Pros Loveable, well-written charactersA sweet, Southern voiceA compelling story full of mystery, longing, and loveEasy to read and not too long Cons Not entirely realistic (which isnt necessarily a con for everyone) Description A motherless child searching for the truth about her mother and herselfA black woman and white girl united in the South in the 1960sBlack Madonna Honey: the women who make it, the bees that produce it, and the spiritual figure The Secret Life of Bees Reviewed The Secret Life of Bees by Sue Monk Kidd is the story of Lily, a teenager on a peach farm in South Carolina whose mother died when she was young and whose father is abusive. In practice, Lily is raised by the black housekeeper, Rosaleen. When Rosaleen gets in a fight with some white men while she is going into town to register to vote, Lily and Rosaleen decide to take off together. They end up in a unique community that is the perfect place for Lily to look for her mother and learn to love herself. The descriptions, characters, and plot mix together to make The Secret Life of Bees a honey-sweet reading treat. Southern summer nights come alive in this novel, and you can almost taste the Coke with peanuts floating in it. The characters are well developed and interesting. There is enough suspense to keep The Secret Life of Bees from becoming too introspective as well. Race issues run through the novel. Lilys relationships with black women and men and the towns willingness to ignore them are not entirely realistic; however, The Secret Life of Bees does a good job of conveying the underlying tension and inequalities that existed in the South in the 1960s. The Secret Life of Bees also explores feminine spirituality. While this was not the strongest thread in the book, it worked well enough with the characters and events not to be a serious weakness. We recommend The Secret Life of Bees. It is a wonderful debut novel that makes a quick and thoughtful weekend read.