text:
Licensing Your Original Music for TV: Part 2 - Careers in Music
Start Here:

What are you most interested in? arrow pointing down

Get Started

Want to hear your music on TV? Here's what you need to know.

In Part 1 of this two-part series, we talked to Production Music Writer Art Munson and Production Music Library CEO Erik Jacobsen about how Composers and musicians can build a potentially lucrative career in writing music for production libraries.

They shared their thoughts on the type of person who’s most likely to succeed in this field, why contributing their tunes to a production music library is a bad move for bands, and how to flourish by identifying your strengths and weaknesses as a writer/performer.

This time around we’ll be getting advice from Munson and Jacobsen on how aspiring Production Music Writers can educate themselves — whether you’re looking for college advice or want to skip this route and learn on your own. We’ll also discuss the mistakes which can help you improve in your career and the ones that can stall it.

Read on for our biggest takeaways on how you can break into the world of production music libraries.

What are you most afraid of that is holding you back?

You’ve got to know your stuff.

Although a college education with coursework in composition, performance and recording technology will give you the foundational skills to compose for a production music library, it’s equally important to be passionate about music and possess an understanding of musical genres.

In regards to training, Munson says, “It all helps but you will find there are Composers with and without formal music education and varying degrees of skill and experience. In my years as a musician, Studio Player, Producer, and Engineer, I’ve worked in many genres so that helps tremendously.

[My wife] Robin comes from a whole different background, so together we can cover many musical bases. I know a lot of folks suggest sticking with what you know but, personally, I like challenging myself with different genres. We have some Latin tracks that have done quite well for us, but I have never played in a Latin band.

There is another track that is sort old school hip-hop that gets used constantly on TV and sells consistently on royalty-free sites. We’ve done some very retro early ‘50s, big band, rock, country — you name it they all make money.”

Jacobsen adds, “Good, experienced, well-rounded musicians generally makes the best Writers/Producers, in my experience.

For example, there are a lot of guys who listen to a lot of rap and they know what it sounds like and know that genre; they’ve never been to school but they’re very good at doing what they do. Most of the time good musicians have played in bands and have spent countless hours practicing their instruments, copying their favorite artists, playing those artists’ solos. They know song form and musical technology, which is not necessary but it’s very helpful if I say I want a four-on-the-floor bass drum disco beat.”

Jacobsen says this demonstrable knowledge of music is integral to getting accepted into his library. “The number one thing I look for if I do anything else with a song, is does the song do what it’s supposed to do?

In other words, I can put out a request for a rock song that sounds like whatever artist. If I ask for a minimal new age song do they send me that and have a handle on that? Is the song really strong, strong enough to beat out other songs in its class? I’ll get a request for a soundalike so it needs to sound like say, Kanye.

They’ll have a Kanye song in the rough draft of the show and they want to replace it, so if I send this out there and you send me something that sounds like somebody else, no. It has to be able to stand on its own.

The next thing is does the production sound professional? Are the instruments in tune? Is it mixed properly? Are the cymbals too loud and sticking out, or are the vocals too loud in the mix?

The last thing is, does the Writer or Producer understand that genre? I’ll get calls for bossa nova. Do you have the bossa nova sound?”

“A mistake can sometimes lead you to something better.” — Art Munson “Do your homework on the library and see what shows they do so you’re not sending opera or stuff they can’t use.” — Erik Jacobsen

You’ll make mistakes.

Munson says, “A mistake can sometimes lead you to something better.” He cautions, “Generally, though, don’t sell yourself short or your music cheap!”

If you’re considering submitting your tracks to a production music library, be sure you’re not committing some of these cardinal sins of composing. Jacobsen says, “We delete more songs than we keep, so it really has to be on point.” Here’s his advice on what you can do to keep your tracks from getting dragged into the trash.

  • Submitting songs with long intros. You have to understand writing for television is a craft. It’s not like writing for your album — though it should sound [quality-wise] like an album. You have to listen and watch the show and be aware of what’s happening.
  • People will send score music, which is really more for the Supervisor on the show. People will send soundtrack-y music, which isn’t really what we do. Do your homework on the library and see what shows they do so you’re not sending opera or stuff they can’t use.
  • [Sending] sonically weak songs. Songs that were done on a keyboard and are just horrible. You have to understand you have guys who produce songs in multi-million dollar studios so you can’t step up with weak songs that won’t even compete. You can’t all of a sudden have a sonic drop in the middle of a song where you can’t hear it and it’s all fuzzy.
  • It’s a matter of taste, but boring songs are a big no no.
  • Out-of-tune instruments and Singers. I get that more than you can imagine. I don’t care how great the song is, no one is going to use it on a show if you’re out of tune anywhere on that song.
  • Endings that are cut off. Have an ending on your song. If I have an instrumental and it has a nice ending, I know they know what they’re doing. If it’s just a fade out or a cut off that’s not professional.
  • Out of date sounds or old beats, like if you ask for a modern song and you get a ‘90s beat. [Or a track that’s] not really a particular genre. It could start out being a minimal song, then it’s a rock song, then it’s a swing song. Not knowing what your song is keeps my delete button in business.
  • Not putting your name on every single file they have. If your song is called “I Love My Dog,” put your name on it like “Sarah_Smith_I_Love_My_Dog.” So her name is on that track now and no matter where it goes her name is on it. I’d go a step further and embed the name into the file and if there’s any kind of artwork, even just your name on a picture, embed that into the file so the name comes up and the picture comes up in iTunes or whatever. That says they know what they’re doing. I like seeing that.
  • Not being a member of a PRO [Performing Rights Organization] is also not good. If you send me a song and you’re not a member we don’t want to deal with it.
  • Having a zillion Writers on a track with all different percentages is a real pain, especially if they’re all with different PROs. Keep the Writers to a minimum of two maybe, three max. I mean, if I love the song, I will deal with it, but you know, I have songs with seven Writers and one guy has got a 5% writing credit. You want 5% of .0001 cents? That doesn’t make sense. What are you doing?”

Feeling inspired to start writing music for TV, film, and commercials? Once you’ve got your own library of tracks and are ready to submit to production libraries, you can use Art Munson’s Music Library Report site to glean further advice from working Production Music Writers and read reviews of the different libraries out there. As a courtesy to our readers, he’s offering 20% off a site subscription with the code CIM2016.

Site Search
We use cookies to understand how you use our site and to improve your experience. This includes personalizing content and advertising. By continuing to use our site, you accept our use of cookies, revised Privacy Policy and Terms of Use.


Content-Type: application/http; msgtype=response

WARC-Identified-Payload-Type: application/xhtml+xml

WARC-Type: response

text:
Distance from location (kms)

Exact 5 10 25 50 100

Posted since

All 2 Days 1 Week 2 Weeks 1 Month

Sort results by

Relevance Date

Apprentice Stonemason (1st Year)

Mas National - Lara, VIC

Trades & Services
Source: uWorkin

This family run business is looking for 2 x Stonemason apprentices to join their team. based out of Lara but all work is on site all around Geelong and the Melbourne region. They specialise in all aspects of Stonemasonry from entrance walls, fireplaces, feature walls, retaining walls, pillars, restorations, renovations and new builds.

To be successful you will need to have the following:

- drivers licence

- own car - genuine interest in Stonemasonry

- high level of attention to detail

- physically fit and capable

- reliable & hardworking

- be a confident communicator

This will be an excellent opportunity for the right person to join our hard working team, we look forward to your application.

To be eligible for an apprenticeship or traineeship you must be an Australian Citizen, Permanent Resident or have full working rights

warcinfo:
isPartOf: CC-MAIN-2021-21
publisher: Common Crawl
description: Wide crawl of the web for May 2021
operator: Common Crawl Admin (info@commoncrawl.org)
hostname: ip-10-67-67-81.ec2.internal
software: Apache Nutch 1.18 (modified, https://github.com/commoncrawl/nutch/)
robots: checked via crawler-commons 1.2-SNAPSHOT (https://github.com/crawler-commons/crawler-commons)
format: WARC File Format 1.1
conformsTo: https://iipc.github.io/warc-specifications/specifications/warc-format/warc-1.1/


WARC-Identified-Payload-Type: text/html

text:
Moving Insurance

Protecting the things that you love...
moving insurance made easy.

Household Goods Moving Insurance

Did you know that moving companies are only responsible for 60 cents per pound?

Moving can be a stressful endeavor.

How will all of my possessions arrive safely?

Where will everything go?

How will my family adjust?

What will the neighbors be like?

We may not be able to help with all of these questions but we do have an answer for the first to help get you started successfully.

Whether you're moving across the country or just around the corner, you need moving insurance. Why? Well did you know that moving companies are only liable for a fraction of the value of your property - just 60 cents per pound? In the event of a total loss that typically means a few hundred to a few thousand dollars. Can you replace all of your possessions with that? The only way to protect your property is to insure it reliably - not buying what a moving company offers. is the only instant online solution backed by multiple world class insurers - you choose your company and your coverage. We empower you to protect your possessions your way. You can purchase coverage online instantly and download your certificate of insurance in minutes. It only costs pennies on the dollar to insure your possessions - well worth it for the peace of mind you will enjoy.

How to successfully insure your move with

Answers to some of your most frequent questions:

1What are the Standard Valuations?

The standard valuation is $15,000 per bedroom excluding items worth over $250.00. That number is not the value of what is in one bedroom, rather it is the value that the national moving industry estimates an entire home (living room, kitchen, dining room, etc.) has in it when it is a one bedroom home.

A two bedroom home is $30,000 and a four bedroom home is $60,000. These are the base numbers prior to adding any high value items.

2What are the limits for high value items?
The standard limits for high value items are $3,500 for appliances, $1,500 for general items, and $1,500 for fragiles. These limits accommodate 95% of all shipments. However, If you need a higher limit for any particular item you can contact us to request a special limit increase.
3What is the maximum limit I can insure for my move?
The standard limit is $150,000 in total per move, which is inclusive of the baseline valuation and the high value items you declare. However, if you need a higher limit for any particular item we can accommodate up to $5,000,000 in house with some insurers and $1,000,000 with others.
4What Value should I give to my high value items?

We recommend that you insure your high value items at their actual current value. For example, if your refrigerator was new 2 years ago and cost you $2,000 then, perhaps it is worth $1,500 now.

Please use a reasonable value so you do not pay for more insurance than you need, but at the same time make sure you insure for a sufficient value. There is no universal rule other than to be reasonable and fair to the insurer. In case of a claim where your item is lost the insurer will pay you the actual value for your goods, if you use reasonable figures the claim adjuster will stick to them.

5Is there a deductible?
Yes, a deductible of 1% of the sum insured, minimum $500 applies to all shipments of household goods and personal effects. The deductible exists to prevent relatively minor losses from increasing premiums on everyone because of the costs involved with handling and processing claims.
6How long does it take to settle a claim?
We guarantee to do everything in our power to settle claims of $5,000 or less within 10 days and those above $5,000 within 30 days. In order for us to process your claim quickly, we need your cooperation. We regularly settle claims in just a few days when we have good client cooperation and that is always our goal!

household moving insurance

Coverage Types

We offer three different types of coverage, from all risks to broad risks to basic catastrophic. You can pick the coverage that fits your needs while at the same time having the tools at your fingertips to make the right decision confidently.

Lets get down to the details.

In order to make the process simple and straightforward, we have created a simple coverage comparison table that gives a basic comparison between coverage types. It clearly demonstrates the differences between coverage options and neatly organizes typical risks. Although it does not contain all the details of policy terms, it is the quickest way to decide which coverage type is right for you. Feel free to download the table and we encourage you to spend some time reviewing it before you buy. The more informed you are, the better it is and we want to empower your decision making. In addition, we have made available the full policy language and the commodity specifics in PDF formats. All three are available to you for download anytime.

Moving insurance is essential when you are moving to a new home or a new office whether it be locally, in a new state or even a new country. In the United States, other than divorce or the death of a loved one, moving is the most stressful event in life.

Cargocert is in the business of providing the best moving insurance, backed by multiple world class insurers.

Our services are considered important as moving companies are only liable for a fraction of the value of your property. To provide released-value restriction for damages at a minimum rate of $0.30 per pound per item for local or intrastate moves, and at $0.60 per pound per item for interstate moves. So if your baby grand piano is destroyed in a moving mishap, the moving company might be responsible for only about $100, which clearly is a paltry sum.

Another worry is that although most moving companies allow you to purchase additional movers insurance coverage, known as full-value protection. Under this plan, your moving company will, at their discretion, repair, replace or provide a cash settlement for any items damaged in transit. But this coverage is subject to a deductible, and the costs may differ from one moving company to another. Also, under full value protection, moving companies can curb their liability in the case of damages to more costly items, including anything with a value of at least $100 per pound such as electronics, jewelry, and collectibles. If you pack your own items, the moving company may not have to pay for any damages that take place during transit at all.

Given all this, movers insurance is a must. The peace of mind got by insuring through us is worth seeking. When you insure with us you choose your company and coverage – protecting your assets the way you want it. We are online, open round the clock. We empower you to purchase your coverage online instantly, your certificate of insurance is downloaded in minutes. Making it all smooth and easy for you, as we understand that relocation insurance shouldn’t be a worry while you are moving.


text:
Elantra is the flagship sedan from Hyundai. This luxury sedan features stunning looks and a host of creature comforts. Furthermore, Hyundai is also offering zero interest funding on this model, making it even more irresistible. The Elantra sedan was last revamped in 2017 and was refreshed in 2019 with new styling and other improvements. In 2020, the Elantra comes with a new intelligent continuous variable transmission (CVT). The turbo-laden trim levels Eco and Sport continue to use a double-clutch (DCT) transmission, but the standard manual gearbox is not present now.

Here in this article, we are going to have a comprehensive review of Hyundai Elantra car. We will cover all the important aspects related to this car like its exterior, interior and available engine options. The details related to safety features and pricing of this car will also be discussed.

Hyundai loves how their cars look. The revised design details certainly make the car more attractive and the 17-inch larger alloy wheels look particularly pleasant. The 14.4-feet Elantra trunk is not as wide as a mid-size car but close to it. Thus, we can conclude that the Hyundai Elantra is a compact car with attractive exterior. In fact the attractive look is a big plus point of this car.

Interior is also a plus on the list of Elantra’s strengths. It is equipped with plenty of silver contrast, including beautiful accents. The controls in the interior are laid out clearly marked and easy to use. In a soothing blue hue they glow at night. The inside of Elantra is largely panelled in plastic, and not everything looks good, as you should expect from a mid-size sedan.

Wrapped in leather, the front and rear seats of Elantra are very comfortable. The seat of the driver can be adjusted in 8 directions and the front passenger's seat offers a height adjustment. That's fantastic, as it makes getting into and out of the car easier.

The car has an 8" touchscreen display infotainment system and a navigation system, equipped with an optional Ultimate Package. The 7-inch display is used for other trim levels except for the base SE, which is equipped with a 5-inch display.

SEL trim, the Value Edition and Limited edition include a generous trial subscription of three years for the connected Blue Link services, Apple CarPlay, Android Auto and SiriusXM satellite radio. Limited trim also includes an Infinity Premium Sound System and a Wireless smartphone charging Pad.  The Elantra infotainment system is intuitive to use thanks to stereo buttons and a number of shortcut buttons on the system menus.

Engine Options

This car is not very powerful except the Elantra Sport. The 2.0-liter four-cylinder engine has a capacity of 148 hp and 132 lb-ft of torque.  Alternatives are a 1.4-liter 4-cylinder turbocharged Elantra Eco engine and a 1.6-liter 4-cylinder Elantra Sport turbocharged engine. Both of them are combined with an automated manual transmission (DCT). The Eco engine has less power than the standard four cylinder, but a larger revolution range with a greater torque.

The engine of the Sport trim is considerably stronger and offers 201 hp and 195 lb-ft of torque. The new CVT will impress you on the road. The new CVT aims to increase the fuel efficiency.

Safety Features

The Hyundai Elantra is an exceptionally safe car, according to the Insurance Institute for Highway Safety (IIHS). All the versions of the Elantra have given the top results in crash tests.

For 2020, Elantra is even safer, as all trim levels include front collision warning, automatic emergency braking, lane start alert and lane keeping assist. All variants include a blind spot warning and a warning against rear traffic. The ADAS (advanced driver assistance system) works well on the road and you can turn it off with a button on the dashboard if you want to drive without lane support.

Hyundai Elantra prices begin at Rs. 17.60 Lakh and goes up to Rs. 20.65 Lakh. Hyundai Elantra is available in five variants. Based on the price of this car, we can conclude that price of this car is quite high. People who are looking for a premium car with style, can go with Elantra.


text:
Entries for 'vintage'

10 Items to Thrift for Your Home

 Posted by Donna Rea on September 18, 2020 at 11:00 PM
Classic, vintage, charming, mid-century or antique. Whatever your preference, giving furniture a second life can add unique style to your space. Furniture brings your rooms together and helps you express your sense of style. There are many hidden gems with charm that could be the perfect addition to your room. See our tips to help guide your purchases. High-Quality Sofas and Couches Many shoppers consider thrifting a sofa a bit of a risk....


text:
Skip to main content Skip to site footer
Club News

FL: Whole game solution - we want YOUR opinion

27 May 2016

Fan opinion needed on Football League proposals

Below is the statement released by the Football League which looks at the 'Whole Game Solution' - a series of points to be discussed at the AGM in June looking at the future structure of the professional game.

We would like your thoughts on any or all of the points up for discussion to help us to form an opinion to be taken forward to the AGM on behalf of Carlisle United Football Club and its fans.

Please read the information below and send your thoughts by email to - we will then collate your comments and present them accordingly to the other member clubs.

Key points to consider when reading the information and when submitting your reply:

Do you agree with the five division (20 teams in each division) concept? If yes, why? If no, why?

Do you agree with the introduction of a knock-out stage for the League Trophy competition? If yes, why? If no, why?

Do you think the changes will bring an increase, a decrease or no change to the financial position of member clubs?

Would you prefer the emphasis to switch to Saturday fixtures, with almost no reliance at all on midweek fixtures?

Would you have concerns over the final makeup of the four Football League divisions (please consider regionalisation and the potential for Premier League B teams to be introduced in this response)?

Do you think any of these changes would be of long term benefit to the Football League and, more importantly, to Carlisle United Football Club?

These questions are simply a guide - if you have any other concerns or comments, please let us know.

Please submit your thoughts by 5pm on Sunday 5 June 2016. Many thanks for your help with this extremely important set of issues.

The Football League has distributed a discussion document to its member clubs ahead of its summer conference and AGM next month.

Clubs are being asked to consider the re-organisation of the domestic league system into five divisions of 20 teams from the 2019/20 season.
Under the proposal, The Football League would become a four division competition below the Premier League, including a new League Three, with 100 clubs competing across the professional game. In addition, the League Cup and League Trophy will be retained with the latter potentially having a revised format include a group structure of three games before becoming a knockout competition thereafter.
At this point, the Board of The Football League is offering no recommendation other than asking clubs to give the matter their full consideration, taking into account the following:
 - Football League Clubs should be in a financially no worse, or preferably better, position as a result of any changes;
 - Promotion to/relegation from the Premier League must be retained at three places;
 - There would be no relegation out of The Football League in season 2018/19;
 - Football League Clubs must support the final proposal.
The proposal stems from English football’s collective concerns about the fixture calendar and enjoys the 'in principle' support of executives from the Premier League and FA. The Premier League is due to take a report to their Clubs at their summer meeting, while the FA Executive needs to consult with its Board.
The congested fixture list remains one of the game’s biggest concerns with insufficient dates available in each season to sensibly accommodate both League and Cup fixtures without significant clashes. The League’s proposal seeks to achieve a new, innovative approach to the fixture calendar and will need ‘whole game’ support as this concern is not unique to The Football League and is shared for differing reasons by both the Premier League and FA.
If implemented , the proposal would The number of midweek matches reduce from next season’s nine in the Championship, seven in League One and six in League Two to just one in the Championship, League Two and the new League Three and none in League One in 2019/20.
In considering these matters, the football authorities have identified the following objectives:
Football League Objectives:
 - To maximise the number of weekend/Bank Holiday league fixtures;
 - To remove where practical fixture congestion and scheduling conflicts;
 - To protect/improve financial distributions/income generation for Football League clubs;
 - To maintain the Football League Play-Off Finals as the last event of the domestic season.
Premier League and FA Priorities:
Increasing the prospect of success for Clubs in European competitions;
Increasing the prospect of success for England Teams at all levels;
Retaining the value and status of the FA Cup Competition;
Avoiding a ‘problematic’ fixture clash with UEFA Competitions;
To achieve a fixture schedule where the FA Cup Final is played the week after the last round of Premier League fixtures.
The Football League believes there are any number of potential benefits for Football League clubs in reducing the number of fixtures, the importance of which will depend on a club’s individual circumstances.  In all circumstances clubs should not be disadvantaged by the proposed changes.  Benefits include but are not limited to:
 - The importance of each individual fixture will increase;
 - Reduced travel costs to four games which are often at a distance;
 - Midweek travel for fans vastly reduced.
 - Potential to reduce squad size;
 - Increased importance of reserve team football;
 - Enhanced recovery time/match preparation.
 - Increase in sale of season tickets due to reduction in midweek games;
 - Increased profile on League One, Two & Three at different stages of the season;
 - Statistically greater chance of promotion (and relegation);
 - At least six new Clubs (30%) to play each season.
 - No relegation out of the Football League in 2018/19;
 - Different formats for the Football League Trophy available;
 - Opportunity to standardise promotion/relegation.

Any final decisions on this proposal would not need to be made by Football League clubs until their AGM in June 2017 enabling full consultation with clubs and stakeholders, including fans.

Advertisement block


text:
How it works?

  1. Start by buying the part of the house that you can afford, a minimum of 5%

    Check if Casum can help you

    Initially, we’ll ask you to tell us which city/area you’re looking in to ensure that Casum covers that city/area.
    Meanwhile, we’ll ask for information to analyze your financial situation, advise you on what houses you can buy with Casum and develop a savings plan with you so you can actually buy the home.
    We have very flexible requirements, but unfortunately, we won’t be able to help you if you don’t have at least 5% of the money saved to pay for the house (a minimum of € 10.000), you can’t afford to pay for rent or if you have a history of defaults.
    To get better guidance, you can use our calculator.

    Tell us which house you like best

    Tell us which house you’d like to buy and we’ll analyze it in detail to check if it fits into the savings plan we have prepared for you.
    You can choose the house from a real estate website or from Casum’s search engine.
    In this phase, we’ll also review the home to ensure that it’s in good condition, that the price is appropriate for it and that its characteristics adapt to what our investors are looking for.

    Start owning it from the very beginning

    Start buying 5% (minimum payment of € 10.000), which is way lower than the 30% mortgages require.
    You’ll own the percentage of the house you pay for! And so it will be stated in the land register.

  2. An investor from our investors’ network will buy the rest of the house with you

    If you buy 5%, investors will add the remaining 95%.
    Casum will look for the investor that best suits you. Our investors are mainly funds and family offices, who seek to invest in long-term residential rentals, which is why their interests align with yours. The conditions will also be contractually regulated to give you peace of mind.

  3. Casum will deal with the house purchase’s paperwork

    The process of buying a home can be very stressful and tedious if you don’t know how it works, but don’t worry, because Casum will manage the entire process and will tell you which steps to take.
    In addition, Casum’s role doesn’t end with the house’s purchase, they’ll be by your side once you move and if a problem arises, such as a broken boiler, you can count on us to help you repair it.

  4. Move into your new home and start living in it

    Paint it and decorate it as you want, you can also make minor reforms without having to ask for prior approval.

  5. Pay monthly rent for the part that belongs to the investor

    The monthly rent you’ll have to pay to the investor is calculated based on the market rental price of the area where your house is located, as well as the part of the house that you own.
    To calculate it we rely on reports and independent agencies’ indices. We’ll tell you the rent you’ll have to pay monthly before you sign any agreement, so you can evaluate it.
    For example, if the market rent for your house is € 1.000 per month, and you bought 5% of the house and the investors own the remaining 95%, you’ll have to pay a monthly rent of € 950 (95% of 1.000 €), so you’ll save € 50 every month (€ 600 per year).
    Bear in mind that, just like traditional rentals, the monthly rent will rise every year based on the CIP increase.

  6. Increase the percentage you own of the house

    You can buy more of the house from the investor at any time. You decide when to buy more and how much more. Without any commitments or mandatory purchase plans. Every year you can buy up to 5% of the house without commissions.
    In Casum, we’ll advise you on the savings plan that best suits your situation, so you can buy the entire house, but you’ll always have the last word on your purchase plan.
    When requested, Casum will provide you with the house’s market price, so you can decide how much to buy. The market price is calculated based on reports and independent agencies’ indices.
    By increasing the part of the house that you own, you can reduce the monthly rent you need to pay the investor.

  7. Decide what you want to do with the house

    Buy the entire house

    When you reach a high enough percentage of the house to obtain a mortgage (or when you’ve obtained the money in any other way), you can buy the rest of the house.

    Leave the house

    With Casum, you’re not obliged to buy the house at the end of the contract, so if you decide not to buy it, you can sell your share at market price.
    You can also decide to leave the house before the term’s end, but to ensure that investors don’t lose on expenses and purchase taxes, a minimum period of stay is required or you will have to pay such expenses and taxes.

Buying a house is one of the most important decisions of our lives, so we need to be properly informed when making this decision. We’ve developed a special considerations section to help you complete the available information.


text:
Rita’s Bar & Kitchen is the Cat & Fiddle’s exclusive in-house restaurant.

Today the spirit of Rita’s Bar & Kitchen continues to be inspired by this concept of creativity, while the menu brings to life the magical flavours of the cities of the Mediterranean and the seas that surround them. It is food for the soul, made with love in the Rita’s kitchen.

The dining style is based on the concept of sharing food with family and friends, with a free-flowing menu that moves away from the standard format of entrée, main and dessert and instead allows you to choose and experience your preference from each section of the menu. Even children are encouraged to get involved with the sharing philosophy and try something new. (However, there is a selection of children’s meals if required.)

Reserve A Table

From long-lunches that linger into dinner.

From long-lunches that linger into dinner, to gatherings to celebrate the most special of occasions, at Rita’s the cooking does all the talking – always delivering meals that are fresh and flavorful, and certain to satisfy the most sophisticated of palates.

Call Us: 02 9973 6757

Come in and enjoy our food

Rita’s Bar & Kitchen – Lunch // Dinner

Wednesday – Thursday : // 5.30 pm – 9.00 pm
Friday – Saturday – Sunday : 12.00 pm – 3.00 pm // 5.30 pm – 9.30 pm


text:
Sloth Valentine, Valentines Day Card, Valentines Day Card for Boyfriend, I love you a Sloth, Funny Valentine, Valentine Card, Sloth Card

Sweet Party Wishes By Sweet Party Wishes

Product Info

This listing is for one "I love you a Sloth - Happy Valentine's Day" card.

The card measures 4" x 5.5" when folded. Choose your color of envelope from the drop-down menu. See photos for color chart. The metallic colors all have a shimmer to them.

The card is blank inside for you to write your own personal message.

Thanks for stopping by!


text:
(416) 733-8544

elevated RvBFd January 27, 1934 – May 1, 2020

elevated RvBFd Visitation

elevated RvBFd Holy Cross Catholic Funeral Home
211 Langstaff Road East, Thornhill, ON, L3T 3Z6

elevated RvBFd Funeral Service

elevated RvBFd Chapel of St. Joseph – Holy Cross Catholic Funeral Home

elevated RvBFd Entombment
Holy Cross Catholic Cemetery

elevated RvBFd Obituary

elevated RvBFd Passed away peacefully on May 1, 2020 at his home. He was born in Ripa Teatina, Chieti, Italy. He is now reunited in heaven with his parents Stefano Maccarone and Giovina Masci. He will be dearly missed by beloved wife Ida.  Adored father to Lori Napoli (Gus), Silvana, and Stefano Maccarone. Cherished grandfather of Melissa (Sam), Stefani (Harpreet), Sereena, Nicholas, and Matteo, and great-grandfather of Sebastian, Christian, Violet, Phoenix, Luca and Chloe.  He will always be remembered by his brother Nick, sister Emma, brother-in-law Antonio, sister-in-law Nicoletta and many nieces and nephews.

elevated RvBFd Due to the unprecedented complications caused by Covid-19, a private service and entombment will take place at Holy Cross Catholic Funeral Home and Cemetery on Tuesday, May 5, 2020.

elevated RvBFd The family would like to thank you for your continued love and support during this difficult time.

elevated RvBFd Click to View Service

elevated RvBFd

elevated RvBFd

elevated RvBFd

elevated RvBFd


WARC-Truncated: length

text:
Monday, April 12, 2021

Vatican Announces Theological Symposium on Vocations for February 17-19 2022 “Toward a Fundamental Theology of the Priesthood”

According to Vatican News, the Holy See hosted a press conference to announce a Symposium on the theology of priesthood, which will seek to explore the relationship between the ordained priesthood and the priesthood of all the baptized.

The Vatican will host a Theological Symposium on Vocations on 17-19 February 2022, entitled “Toward a Fundamental Theology of the Priesthood”.

The event was presented on April 12 at the Holy See Press Office by Cardinal Marc Ouellett, Professor Michelina Tenace, and Father Vincent Siret. They presented reports with the background and goals of next year’s Symposium, which will address the issue of clerical celibacy in the Latin rite and the priesthood of the baptized.

FULL TEXT from Cardinal Marc Ouellet: Press Conference for the presentation of the International Theological Symposium "For a Fundamental Theology of the Priesthood", organized by the Congregation for Bishops

The event was presented on Monday at the Holy See Press Office by Cardinal Marc Ouellett, Professor Michelina Tenace, and Father Vincent Siret.As Vocations Sunday approaches, and within the framework of the Church's research on synodality, I have the honor and the joy of presenting to the public the project of a Theological Symposium on Vocations.

 Pope Francis has often repeated what he said in 2015 about synodality: “The path of synodality is the path that God expects from the Church of the third millennium.” This expectation of God and of the Holy Father may seem abstract at first glance, but when we consider it from the point of view of vocations, it takes on a very concrete content. Synodality basically means the active participation of all the faithful in the mission of the Church, it describes the united march of the baptized towards the Kingdom which is being built on a daily basis in the realities of family, in the workplace, as well as in social and ecclesial life in all its forms. This requires a life of faith and close collaboration between lay people, priests and men and women religious, for the proclamation of the Gospel to the world through the attractive witness of Christian communities. This expected growth of a Synodal Church certainly corresponds to the orientations of the Second Vatican Ecumenical Council, which are still being implemented with a more profound theological and pastoral comprehension.

The Symposium that we are bringing to the attention of the public today is entitled: "Toward a Fundamental Theology of the Priesthood". It consists of an intense three-day session, open to all, but intended especially for bishops, and for all those, men and women, who are interested in theology, in order to deepen our understanding of vocations and the importance of communion between the different vocations in the Church. Saint Teresa of the Child Jesus, patron saint of the missions and doctor of the Church, reminded us that love is the driving force behind the mission of the Church. She bore witness to this love above all through prayer and penance as part of her life in the Carmel. But this love is poured out by the Holy Spirit in the hearts of all the baptized, to be given to the world through what Saint Paul calls the “ligaments and bonds” of the Body of Christ (Col 2, 19), that is to say, by the Church present and operating in the world at the service of suffering humanity today. This priesthood of Love, which is exercised by the entire ecclesial community, is animated and supported by a variety of vocations to love, whose distinct forms and colours complement each other. Between priests and lay people, between men and women religious of different charisms, the Holy Spirit communicates the grace which brings about communion among all, enabling obstacles to be overcome, and through this communion, mysteriously and at least virtually, reaching the whole of humanity. It is clear that such theological and pastoral research does not concern only Europe or America but the whole Church on all continents.

A theological symposium does not claim to offer practical solutions to all the pastoral and missionary problems of the Church, but it can help us deepen the foundation of the Church's mission. Insight from Divine Revelation on the priesthood of Christ and the participation of the Church in this priesthood is a crucial question for our time. This is not a new theme, but a central one, the originality of which will be to establish a fundamental relationship between the priesthood of the baptized, which the Second Vatican Council has enhanced, and the priesthood of ministers, bishops and priests, which the Catholic Church has always affirmed and specified. This rapport is not to be taken for granted in our time, because it entails pastoral readjustments, and it involves ecumenical questions not to be ignored, as well as the cultural movements that question the place of women in the Church. We are also all aware of the scarcity of vocations in many regions, as well as tensions on the ground due to divergent pastoral visions, challenges posed by multiculturalism and migrations, not to mention the ideologies that condition the witness of the baptized and the exercise of the priestly ministry in secularized societies. In this context, how can we live a missionary conversion of all the baptized without a new awareness of the gift of the Holy Spirit to the Church and to the world through the Risen Christ?

In this search for synodal conversion, there is room for a vast theological endeavour which should offer a renewed vision, a sense of the essential, a way of valuing all vocations while respecting what is specific to each. Such a vision of the communion of vocations is rooted in the communion of divine Persons and seeks to deploy a Trinitarian ecclesiology capable of energizing the synodal and missionary Church that Pope Francis dreams of. It is clear that this research interests the whole Church, especially bishops, but also theologians, consecrated life, married people, and those involved in formation at all levels. My colleagues will offer more on this in a moment.

I might add on my part that this initiative is a big undertaking which has been carefully prepared, but which carries a margin of risk in the current circumstances of the pandemic. It is, therefore, an act of faith that we would not have entered upon without some confirmation from above, plus the urgency of creating a vocational movement following the various synodal experiences of recent years. Indeed, during the synods on the family, on young people, and on the Church in Amazonia, questions regarding the priesthood and synodality were raised in all their magnitude, with an insistence on the reality of baptism, the basis of all vocations. The time has come to prolong the reflection and to promote a vocational movement facilitating the sharing of the various Church experiences all over the planet.

We therefore want to bring together national and diocesan delegations from all continents to the Paul VI audience hall for three days, from February 17 to 19, 2022, with an intense program of conferences, crowned by a message from Pope Francis. The conference program is available to journalists and to the public from today. A website, opened a few days ago, will provide further information to interested parties, facilitating registration for participants as well as to solicit financial contributions in support of the organization of this great event.

Given the scope of this symposium, we hope it will mark a stage in the research of the Church and encourage new initiatives and publications. I cannot extend this invitation as Prefect of the Congregation for Bishops without appealing for prayers from the people of God, and in particular, from contemplative communities. Since this is the question of the priesthood, whose baptismal and ministerial awareness we must reenergize, as well as the consciousness of the fruitfulness of consecrated life, this can only be obtained by a grace from above to be implored with insistence and perseverance. I therefore invite especially bishops to welcome this call and to re-launch this concern for vocations within the framework of their particular Church, in communion with Pope Francis and his collaborators of the Roman Curia. I thank the Communications Department of the Holy See for being available to collaborate today and in the months to come for this event. Thank you very much. [Original text: English]</p>

No comments:


text:
The Head House, Philadelphia Christmas Series | The Cat's Meow Village

The Head House, Philadelphia Christmas Series

Find Your Interest

Vintage The Head House from Philadelphia Christmas Series handcrafted from 3/4" thick wood by The Cat's Meow Village in the USA

4" x 6"

This ¾” thick The Head House is hand screen printed on the front and back. It is part of a four-piece series of buildings called Philadelphia Christmas Series, created by Cat’s Meow founder, Faline Jones, in her sixth year of business. This series was introduced in 1988 and retired December 31, 1988.

This stately building was built in 1804 and housed the equipment for Fellowship and Hope Volunteer Fire Companies. The Head House was designed with an archway leading to the market behind it and to hold "two fire engines with their apparatus".

Look for our trademark black cat, Casper, on every Cat’s Meow. Handcrafted in our Wooster, Ohio workshop.

There are a limited number of this piece available, which is reflected in the price. With your purchase of this building, Faline will donate 10% to Amani Ya Juu, a fair-trade sewing and training program for marginalized women throughout Africa. Visit their website: (no wholesale orders)


text:
New Study Launched To Understand How Climate Change Will Impact Streamflow In Columbia River Basin

University of Washington environmental engineers are launching a new study to try to understand how climate change will affect streamflow patterns in the Columbia River Basin.

Read the Full Article

Login to your account or Become a Member

More news from CBB:


text:
WDFW Survey Shows Spring Chinook Spawning Higher Up In White Salmon River Above Old Condit Dam Site

Spring chinook salmon are continuing to spawn in the newly-created habitat upstream of where Condit Dam once blocked their access on the White Salmon River, while mostly spring and fall chinook and steelhead are spawning in the 3.3 miles of river below the old dam site.

Read the Full Article

Login to your account or Become a Member

More news from CBB:


text:
Medicaid Work Requirements Can’t Be Fixed

Unintended Consequences Are Inevitable Result

Seven states have approval from the Trump Administration to take Medicaid coverage away from people who don’t meet work requirements, with additional proposals pending.[1] Differences among these policies, such as who must report work or work-related activities, how they report, who is exempt, the number of hours required to comply, and the penalty for not reporting, will affect how many and how quickly enrollees lose coverage. But all work requirements will have the unintended consequences of taking coverage away from people who are already working or who should be exempt from the requirement based on disability or chronic illness. Moreover, Medicaid work requirements will not increase employment or improve health outcomes, contrary to the Administration’s claims.

Some have asked whether work requirements can be “fixed” — in other words, whether such policies can be implemented without unintended consequences and with positive impacts on employment. The answer is no.

Taking coverage away from people who don’t meet a work requirement is at odds with Medicaid’s “central objective.”Taking coverage away from people who don’t meet a work requirement is at odds with Medicaid’s “central objective” of providing affordable health coverage to people who wouldn’t otherwise have it, which means it’s not an allowable use of Medicaid waiver authority under section 1115 of the Social Security Act. But in Arkansas, the only state so far to implement work requirements for Medicaid, it’s increasingly clear that the policy is also failing on its own terms. Far more Arkansans are losing Medicaid coverage than are in the presumed target group of people not working and ineligible for exemptions, which means people who should remain eligible are losing coverage. Moreover, the work requirement isn’t promoting employment. While many Arkansas Medicaid beneficiaries are working, only a tiny percentage of those subject to the requirements — 0.5 percent in the latest month’s report — have newly reported work hours in response to the work requirement. And even many of those beneficiaries might have found jobs without the new policy or might have already been working.[2]

Work requirement policies can’t be fixed for several reasons. First, any work requirement will have the unintended consequence of taking coverage away from people who are already working or should be exempt due to illness, disability, or other factors. That’s because rules for reporting and claiming exemptions increase paperwork and red tape, which cause eligible people to lose coverage and become uninsured. Efforts to inform beneficiaries of the complex compliance requirements and the processes for reporting and claiming exemptions are certain to fall short, leaving people without the information and help they need to comply. In addition, working Medicaid beneficiaries often have low-wage jobs with volatile hours and little flexibility, so they may not be able to work a set number of hours each month — meaning that even people strongly attached to the labor force will lose coverage.

Second, work requirements are ineffective in promoting employment because they don’t accurately identify those who can work but aren’t working (often for reasons beyond their control), nor do they assess their needs or provide them with supports. And they can undermine work when people can’t get the health care they need to work or look for a job. Experience from the Temporary Assistance for Needy Families (TANF) program shows work requirements don’t significantly increase long-term employment and don’t reduce poverty. That’s even more likely the case with Medicaid: while TANF programs generally provide for at least some (albeit inadequate) supportive services that many low-income adults need in order to work, such as child care, job training, and transportation assistance, states implementing Medicaid work requirements aren’t required to provide any of that help.

Moreover, Medicaid is itself a work support. It makes affordable health coverage available to low-wage workers whose jobs don’t offer it and makes it possible for people with diabetes and other chronic illnesses to work by helping them control these conditions. Recent news reports from Arkansas provide stark evidence of how Medicaid work requirements can undermine their purported goals,[3] including a profile of a working beneficiary who lost his coverage due to reporting difficulties, couldn’t get his medications, and ended up losing his job because he couldn’t afford to keep his chronic illness in check.

Even if work requirements could somehow avoid unintended consequences, they would still do harm: among Medicaid beneficiaries who aren’t working and don’t qualify for exemptions, many face major barriers to work and have serious health needs.[4] But the unintended consequences can’t be avoided.

Paperwork and Red Tape Cause Eligible People to Lose Coverage

If implemented nationwide, work requirements would cause disenrollment ranging from 1.4 million to 4 million people among the 23.5 million adult Medicaid enrollees who are under 65 and not receiving Supplemental Security Income based on disability, Kaiser Family Foundation researchers estimate. Most of those losing coverage would be people who are already working or should be exempt but would lose coverage because of the increased red tape and paperwork inherent in work requirements.[5] (See Figure 1.)

Figure 1

The researchers reach these conclusions based on evidence from past eligibility restrictions in Medicaid. For example, when Washington State increased documentation requirements and made other changes that made it harder to enroll and stay enrolled, enrollment dropped sharply; and it rebounded when the state reverted to its prior processes.[6] Similarly, states reported large declines in Medicaid enrollment, particularly among children, in the months after 2006 federal legislation required states to ask families to prove their citizenship and identity when applying for or renewing their Medicaid coverage.[7] There was no evidence that those losing coverage were ineligible. Instead, eligible people found it difficult to obtain the necessary documents.[8]

When people who are already working or unable to work have trouble reporting their work hours or proving they are exempt, they lose coverage even though they are not the target of work requirements. This appears to be the case in Arkansas, where the number of people losing coverage exceeds the number who are already working or exempt from the work requirement. Overall, since implementation of the work requirement in June 2018, nearly 17,000 Arkansans have lost their Medicaid coverage, amounting to nearly 22 percent of all beneficiaries subject to the new policy. The main reason even more Arkansans haven’t lost coverage seems to be that most beneficiaries didn’t have to report any new information to comply with the work requirement: state data already showed they were working or qualified for exemptions. But over half of beneficiaries who weren’t exempt from reporting have lost coverage.

Some have treated Arkansas’ experience with work requirements as an implementation failure. In particular they’ve blamed the state’s requirement that beneficiaries report using an online portal, which has made it hard for many to comply given the state’s low internet access rate. But making timely reports every month and documenting hours or exemptions will be challenging for beneficiaries in all states with a work requirement even if beneficiaries can report by phone (which Arkansas beneficiaries can now do as of late December) or in person.[9]

Likewise, people coping with serious mental illness or physical impairments may face difficulties obtaining physician testimony, medical records, or other documents required to qualify for exemptions. Mental illness often affects the cognitive functions needed to navigate complex bureaucratic systems, making it hard for someone to qualify and often leading them to give up and drop out of the process.[10]

Studies of state TANF and Supplemental Nutrition Assistance (formerly food stamp) programs have found that people with disabilities, serious illnesses, and substance use disorders may be disproportionately likely to lose benefits, even when they should be exempt. The Americans with Disabilities Act (ADA) requires states to provide “reasonable modifications” to ensure people with disabilities can participate in public programs, and work requirement waivers the Administration has approved require states to provide such modifications. Yet Arkansas has placed the burden on people with disabilities to know their rights under the ADA and to determine how to request accommodations. As a result, many people with disabilities are likely among those who have already lost coverage and are at risk of losing coverage in the future.[11] The same will likely occur in other states.

On top of these challenges, Medicaid beneficiaries must understand the complex rules on who must comply with the work requirement, who is exempt, how long exemptions last, and how to report work hours or potential exemptions. In Arkansas, good cause exceptions are available to those experiencing illness, family emergencies, or other reasons that can excuse compliance for one month, but again, beneficiaries need to be aware of these exceptions and how to apply for them. People experiencing homelessness often miss notices from the state because they lack a reliable address.[12] And those who lose coverage must know the rules on how to regain it, including when their penalty ends and how they can reapply for coverage.

Most Medicaid beneficiaries don’t directly interact with caseworkers when applying for or renewing coverage and will instead receive information about the work requirement through long, complex paper notices. Arkansas health plans and the state’s Medicaid agency have tried to inform beneficiaries of the new requirements through mailings, texts, emails, online videos, and phone calls, but there is still low awareness and understanding of the work requirement.[13] Most Arkansas beneficiaries participating in a focus group said they didn’t fully read the letter they received or understand the reporting requirements or the consequences of not complying.[14] Arkansas’ experience is consistent with the results of complex Medicaid incentive programs that try to promote healthy behaviors by decreasing enrollee cost-sharing, where extremely low program awareness among beneficiaries and confusion among those who were aware have rendered the programs ineffective, research has shown.[15]

What’s more, in some respects Arkansas implemented its policy in ways designed to reduce harm, compared to what other states are considering. First, Arkansas excluded some large groups from its work requirement policy altogether: people age 50 and older and parents of children under 18. Both these groups face special challenges complying with work requirements. But most other states with pending or approved work requirement waivers would apply the requirements to at least some older adults, and several would apply them to parents. These states could see even larger coverage losses among eligible people.

Second, Arkansas uses available state data to exempt a large share of beneficiaries from having to report or claim an exemption. In November, the state exempted 83 percent of people subject to the work requirement based on criteria such as prior medical exemptions or sufficient monthly earnings. Among those who had to report, 78 percent did not report 80 hours of work or work-related activities — suggesting that coverage losses in Arkansas would have been far greater without automated determinations of exemptions and compliance.[16] (As discussed above, if those exempt from reporting were instead required to report, it’s likely that many would fail to do so, even those who would meet the hours threshold or qualify for an exemption.) Other states with approved and pending waivers don’t plan to automate the determination of exemptions and compliance to nearly as great an extent. For example, Kentucky will only exempt a narrower group of workers from reporting. In addition, in Kentucky, failing to report 80 hours of work or work-related activities in any month will result in loss of coverage unless the beneficiary makes up the missed hours the following month (versus Arkansas’ policy, which takes coverage away from those who fail to report sufficient hours for three months).

Working People Will Lose Coverage Due to Rigid Work Requirements

Most non-elderly adult Medicaid beneficiaries already work, but in low-wage jobs that generally do not offer health insurance. The two industries that employ the most Medicaid enrollees potentially subject to work requirements are restaurant/food services and construction, with large numbers also working in grocery stores, department and discount stores, and the home health industry.[17] These industries are characterized by volatile hours and little flexibility, so beneficiaries may not be able to work the required number of hours every month. Illness, family emergencies, or a lack of child care or transportation can also lead to job loss or shortfalls in hours.

Most states planning or considering work requirements are proposing that beneficiaries work at least 80 hours each month. Our analysis shows the difficulties that low-wage work presents in meeting such a rigid work requirement. [18] We found that 46 percent of low-income working adults who could be subject to Medicaid work requirements would be at risk of losing coverage for one or more months because they wouldn’t meet the 80-hour requirement in every month. (See Figure 2.) Even among people working 1,000 hours over the course of the year — enough on average to meet the 80-hour monthly requirement — 1 in 4 would be at risk of losing coverage for one or more months because they would not meet the minimum in every month. This is in addition to those who would lose coverage because of the red tape and paperwork inherent in work requirement policies. (Notably, the Kaiser estimates cited above take into account coverage losses among low-wage workers due to reporting burdens, but not due to volatile hours.)

Figure 2

Other researchers reach similar conclusions about the volatility of low-wage work, finding that 80 percent of Medicaid beneficiaries aged 18 to 49 without a dependent child under 6 were in the labor force at some point over a two-year period from 2013 to 2014. [19] But while about half of these beneficiaries consistently worked 20 hours a week, the rest either fell below that threshold or were out of work at some point over the two-year period, which would put them at risk of losing coverage. The researchers also found that looking at work status for just one month understated the share of working beneficiaries relative to their findings from work activities examined over a two-year period. In other words, many people not working in a specific month do work over the course of a longer period, suggesting a share of non-workers in the monthly data are between jobs.

Taking coverage away from people who don’t work a set number of hours because they are between jobs, can’t make a rigid monthly hours target, or have temporary barriers such as illness or a lack of child care does nothing to encourage work; it just deprives working people of coverage and access to care.

Work Requirements Don’t Increase Long-Term Employment or Reduce Poverty

Among the justifications that the Centers for Medicare and Medicaid Services (CMS) gives for allowing Medicaid work requirements is that they will lead to gains in employment and “financial independence.” Leaving aside the fact that most beneficiaries are already working but in jobs that don’t offer affordable health coverage, a significant body of research on the impact of TANF work requirements shows that such requirements don’t significantly increase long-term employment and don’t reduce poverty.[20] There’s no reason to believe a Medicaid work requirement would have a better result, and since states need not provide any work supports such as training, transportation, or child care (as they do with TANF), the results could be worse.

CMS argues that penalizing beneficiaries by taking their coverage away is necessary “to create an effective incentive for beneficiaries to take measures that promote health and independence.”[21] In other words, CMS claims that the only way to increase work among Medicaid beneficiaries is to take their coverage away if they don’t work. But research on work requirements in federal cash assistance programs — TANF and its precursor, Aid to Families with Dependent Children — finds that employment increases for those subject to work requirements are generally modest, fade over time, and don’t move many families out of poverty.[22] For example, a synthesis of results from randomized trials of 13 programs imposing work requirements in cash assistance programs finds that employment rose by modest amounts in the first two years, but these gains generally faded by year 5 (to an average effect of about 1 percentage point).[23] Meanwhile, stable employment proved the exception, not the norm, and few enrollees transitioned out of poverty as a result of the work requirements.

For several reasons, work requirements in Medicaid will likely have equally or more disappointing results. Sixty percent of adult Medicaid enrollees potentially subject to work requirements already work, and more than 80 percent of the remainder are students or report that they are unable to work due to a disability, serious illness, or caregiving responsibilities. This suggests limited scope for work requirements to increase work participation.[24]

Meanwhile, cash assistance programs generally provide at least some (albeit inadequate) resources for the supportive services that many low-income adults need in order to work, such as child care, job training, and transportation assistance. The more successful experimental programs described above coupled work requirements with robust work supports. In contrast, Medicaid work requirements won’t help the small share of beneficiaries who aren’t working but who could work with supports such as child care, transportation, or job training, because these supports aren’t available to beneficiaries. Federal Medicaid funds can’t pay for these supports, which many Medicaid beneficiaries need to work a set number of hours each month. Other state workforce programs don’t have the resources to meet the needs of low-income Medicaid beneficiaries who often live in rural areas without public transportation, who lack job skills, and who are taking care of children and other family members.

Moreover, it makes no sense to target people who can work but are between jobs, because they will likely find work on their own and move out of the target group. States would be better off implementing a program like Montana’s Health and Economic Livelihood Partnership Link (HELP-Link), a work promotion program for Medicaid beneficiaries that targets state resources toward reducing barriers to work and helping people find jobs, rather than toward creating new bureaucracy to track employment and exemption paperwork for all enrollees.[25]

Medicaid Is a Work Support; Taking It Away Will Impede Work

The Trump Administration’s promotion of work requirements as a way of promoting financial independence ignores the fact that Medicaid coverage makes it possible for many low-income adults to work in the first place. As Kaiser Family Foundation researchers concluded from a comprehensive review of the available evidence, “access to affordable health insurance has a positive effect on people’s ability to obtain and maintain employment,” while lack of access to needed care, especially mental health care and substance use treatment, impedes employment.[26]

Figure 3

Low-income adult Medicaid enrollees have high rates of chronic conditions and mental illness; for example, 69 percent of adults enrolled through Michigan’s Medicaid expansion (under the Affordable Care Act) have at least one chronic physical or mental health condition.[27] Individuals with conditions like diabetes, heart disease, or depression may be able to hold a steady job if these conditions are treated and controlled, but work may become impossible if conditions go untreated. Beneficiaries themselves confirm the connection between coverage and work. Majorities of non-working adults gaining coverage through the Medicaid expansion in Ohio and Michigan said having health care made it easier to look for work, while majorities of working adults said coverage made it easier to work or made them better at their jobs.[28] (See Figure 3.)

Finally, most jobs that Medicaid beneficiaries already have or are likely to get are low wage, neither paying enough for them to shift into subsidized individual market coverage nor offering employer-based coverage, so they would still need Medicaid. Among workers with earnings in the bottom fourth of the wage distribution, only 37 percent are offered health coverage by their employer, according to Labor Department data. And less than a quarter of the overall wage group actually obtain coverage, presumably in large part because required employee premium contributions are often higher than low-wage workers can afford.[29] Similarly, only 37 percent of full-time workers with family incomes below the poverty line (and only 13 percent of such part-time workers) are offered coverage.[30] Consistent with these data, in states that expanded Medicaid under the ACA, 42 percent of workers with family incomes below 138 percent of the poverty line (the income limit for Medicaid in these states) obtain health insurance through Medicaid, more than twice the share that obtain insurance through an employer.[31]

Policymakers Should Heed Advisers’ Call to Pause Policy

Medicaid work requirements can’t be fixed: other states that implement work requirements will see the same unintended consequences as Arkansas is experiencing. After evaluating the initial data from Arkansas, the non-partisan Medicaid and CHIP Payment and Access Commission recommended that the Administration immediately pause on allowing any more people to lose coverage in Arkansas as well as on approving work requirements in other states.[32] Both the Trump Administration and state policymakers should heed that recommendation.

End Notes

[1] The states are Arkansas, Indiana, Kentucky, Maine, Michigan, New Hampshire, and Wisconsin. For an up-to-date list of approved and pending work requirements, see

[2] Jennifer Wagner, “Commentary: As Predicted, Arkansas’ Medicaid Waiver Is Taking Coverage Away From Eligible People,” Center on Budget and Policy Priorities, December 18, 2018,

[3] “With new work requirement, thousands lose Medicaid coverage in Arkansas,” PBS News Hour, November 19, 2018,; Benjamin Hardy, “Locked out of Medicaid — Arkansas’s work requirement strips insurance from thousands of working people,” Arkansas Times, November 19, 2018,; Rachana Pradhan, “Conservative health care experiment leads to thousands losing coverage,” Politico, December 30, 2018,

[4] Anuj Gangopadhyaya et al., “Medicaid Work Requirements in Arkansas: Who Could be Affected and What Do we Know about Them?” Urban Institute, May 2018,

[5] Rachel Garfield, Robin Rudowitz, and MaryBeth Musumeci, “Implications of a Medicaid Work Requirement: National Estimates of Potential Coverage Losses,” Kaiser Family Foundation, June 27, 2018,

[6] Kaiser Family Foundation, “Implications of Emerging Waivers on Streamlined Medicaid Enrollment and Renewal Processes,” February 28, 2018,

[7] Proof generally included a birth certificate or passport along with other proof of identity.

[8] Donna Cohen Ross, “New Medicaid Citizenship Documentation Requirement is Taking a Toll,” Center on Budget and Policy Priorities, March 13, 2007,

[9] Arkansas Department of Human Services, “DHS Expanding Phone Reporting, Outreach for Arkansas Works Enrollees,” December 12, 2018,

[10] Richard G. Frank, “Work Requirements and Medicaid: What Will Happen to Beneficiaries with Mental Illnesses or Substance Use Disorders?” Commonwealth Fund, May 2, 2018,

[11] Anna Bailey and Judith Solomon, “Medicaid Work Requirements Don’t Protect People with Disabilities,” Center on Budget and Policy Priorities, November 14, 2018,

[12] “Taking Away Medicaid for Not Meeting Work Requirements Harms People Experiencing Homelessness,” Center on Budget and Policy Priorities, updated December 14, 2018,

[13] MaryBeth Musumeci, Robin Rudowitz, and Cornelia Hall, “An Early Look at Implementation of Medicaid Work Requirements in Arkansas,” Kaiser Family Foundation, October 2018,

[14] MaryBeth Musumeci, Robin Rudowitz, and Barbara Lyons, “Medicaid Work Requirements in Arkansas: Experience and Perspectives of Enrollees,” Kaiser Family Foundation, December 2018,

[15] Hannah Katch and Judith Solomon, “Restrictions on Access to Care Don’t Improve Medicaid Beneficiaries’ Health,” Center on Budget and Policy Priorities, December 11, 2018,

[16] Arkansas Works Program, November 2018 Data Report,

[17] Rachel Garfield, Robin Rudowitz, and Anthony Damico, “Understanding the Intersection of Medicaid and Work,” Kaiser Family Foundation, January 5, 2018,

[18] Aviva Aron-Dine, Raheem Chaudry, and Matt Broaddus, “Many Working People Could lose Health Coverage Due to Medicaid Work Requirements,” Center on Budget and Policy Priorities, April 11, 2018,

[19] Lauren Bauer, Diane Whitmore Schanzenbach, and Jay Shambaugh, “Work Requirements and Safety Net Programs,” Hamilton Project, October 2018,

[20] LaDonna Pavetti, “Work Requirements Don’t Cut Poverty, Evidence Shows,” Center on Budget and Policy Priorities, updated June 7, 2016,

[21] CMS Letter approving Kentucky HEALTH, November 20, 2018,

[22] See LaDonna Pavetti, “Work Requirements Don’t Work,” Center on Budget and Policy Priorities, January 10, 2018; Pavetti, 2016; and Pavetti, “Evidence Doesn’t Support Claims of Success of TANF Work Requirements,” Center on Budget and Policy Priorities, April 3, 2018, See also Ed Dolan, “Do We Really Want Expanded Work Requirements in Non-Cash Welfare Programs?” Niskanen Center, July 23, 2018,

[23] Jeffrey Grogger and Lynn A. Karoly, Welfare Reform: Effects of a Decade of Change, Harvard University Press, 2005.

[24] Garfield, Rudowitz, and Damico.

[25] Hannah Katch, “Montana Program Supports Work Without Causing Harm,” Center on Budget and Policy Priorities, December 11, 2018,

[26] Larisa Antonisse and Rachel Garfield, “The Relationship Between Work and Health: Findings from a Literature Review,” Kaiser Family Foundation, August 2018,

[27] Renuka Tipirneni, Susan D. Goold, and John Z. Ayanian, “Employment Status and Health Characteristics of Adults with Expanded Medicaid Coverage in Michigan,” JAMA Internal Medicine, April 2018,

[28] Ohio Department of Medicaid, “Ohio Medicaid Group VIII Assessment: A Report to the Ohio General Assembly,” January 2017, See also Kara Gavin, “Medicaid Expansion Helped Enrollees Do Better at Work or in Job Searches,” University of Michigan Health Lab, June 27, 2017,

[29] Bureau of Labor Statistics, Healthcare benefits: Access, participation, and take-up rates,

[30] Michelle Long et al., “Trends in Employer-Sponsored Insurance Offer and Coverage Rates, 1999-2014,” Kaiser Family Foundation, March 21, 2016,

[31] Aviva Aron-Dine, “Eligibility Restrictions in Recent Medicaid Waivers Would Cause Many Thousands of People to Become Uninsured,” Center on Budget and Policy Priorities, August 9, 2018,

[32] Medicaid and CHIP Payment and Access Commission, Letter to Secretary Azar Regarding Implementation of Work and Community Engagement Requirements, November 2018,


text:
In 2017, the craft brewing industry contributed $76.2 billion to the U.S. economy. Of that amount, the total craft beer industry in Michigan contributed nearly $2.5 billion—ninth highest in the nation. By number of establishments, Michigan ranks fourth in the nation with 330 craft breweries statewide. From 2008-2016, Michigan added 1,600 jobs in breweries, accounting for sector employment growth of more than 760%.

Metro Detroit is home to more than 90 craft beer establishments, including brewpubs, microbreweries, regional, and contract breweries. Collectively, these breweries occupy 873,510 sq. ft. of space. Since 2010, total space occupied by craft breweries in Metro Detroit has nearly quadrupled, growing more than 680,000 square feet.


text:
Federal government executes inmate who blamed murder victim for using witchcraft on him

There have been five executions at the federal prison complex in Terre Haute, Indiana, so far in 2020. By Jennifer Henderson and Steve Almasy, CNN

(CNN) -- The federal government on Tuesday executed an inmate who raped and murdered a 30-year-old nurse in Georgia 19 years ago and blamed the victim for using witchcraft on him.

William Emmett LeCroy, 50, was found guilty in March 2004 of carjacking resulting in death by a jury in the US District Court for the Northern District of Georgia.

LeCroy's attorneys Tuesday appealed to the US Supreme Court for a stay of execution, but in the first order since Justice Ruth Bader Ginsburg's death, the court denied the request.

A pool reporter said he was pronounced dead at 9:06 p.m. ET.

According to the US Department of Justice, LeCroy killed Joann Lee Tiesler in 2001 while he was trying to flee the country.

Tiesler's father, Tom, said Tuesday in a written statement that "justice was finally served."

"I regret that it took nineteen years to get to this point but it has brought some needed closure to Joann's family and friends," he said.

When a prison official leaned over him Tuesday night, gently pulled off LeCroy's mask and asked whether he had any last words for assembled witnesses, LeCroy responded calmly and matter of factly: "Sister Battista is about to receive in the postal service my last statement," according to the pool reporter.

The pool reported that LeCroy kept his eyes open as the lethal injection was administered. His eyelids began to slowly close as his midsection quickly began to heave uncontrollably for a minute or two. After several more minutes, color drained from his limbs, his face turned ashen and his lips were tinted blue.

LeCroy told psychiatrist that victim had placed a spell on him

The Department of Justice said LeCroy broke into Tiesler's home while the nurse was away, and then "attacked her, bound her hands behind her back, strangled her with an electrical cord, and raped her. Then he slashed her throat with a knife and stabbed Tiesler, 30, in the back five times,".

According to an appellee's brief filed in 2013, LeCroy's attorneys hired a psychiatrist to evaluate LeCroy. During the exam, LeCroy told the psychiatrist, "he believed that Joann Tiesler was the babysitter who sexually abused him twenty years before and that he blamed the babysitter for many of the problems that he had had as an adult.

"Because of his beliefs in witchcraft, defendant (LeCroy) came to believe that the babysitter had placed a spell on him, and that he would have to force the babysitter (Ms. Tiesler) to reverse the spell."

LeCroy -- who was on supervised probation release after 10 years in state and federal prison for child molestation, statutory rape, burglary and aggravated assault -- stole Tiesler's vehicle and headed to the Canadian border where he was arrested, the release says.

"His conviction and sentence were affirmed on appeal, and his requests for collateral relief were rejected by every court that considered them," the release adds.

It was the sixth federal execution since the Justice Department ended a 17-year hiatus on the practice in July.

Attorney General William Barr said in 2019 executions would resume under the Trump administration.

"The Justice Department upholds the rule of law -- and we owe it to the victims and their families to carry forward the sentence imposed by our justice system," he said.

Under Barr's direction, the Federal Execution Protocol Addendum replaced a procedure using three drugs with one, pentobarbital, according to a news release.

The-CNN-Wire™ & © 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved.

Share this article: