Tag: 苏州桑拿

Want to serve on a Bar committee?

first_img November 15, 2002 Regular News Want to serve on a Bar committee? The annual committee preference form for Bar members seeking appointments for the presidential term of President-elect Miles McGrane will only be available on The Florida Bar’s Web site this year. The forms will be posted at www.FLABAR.org beginning December 1 and will not be inserted in the News. This year, members will have the ability to fill out the committee preference form and submit it online, eliminating the need to mail or fax in the completed form. It will be presented in the same format as usual and should only take a minute or two to complete and submit. The move to an electronic committee preference form is expected to save the Bar approximately $10,000.There are roughly 500 appointments to be made, and typically 5,000 Bar members apply.“As I have traveled across the state, a number of lawyers have expressed a desire to become involved in the work of the Bar,” McGrane said. “If you are interested in Florida Bar committee service, I urge you to fill out and submit the electronic committee form.”McGrane said he also will work to appoint people who have not previously had an opportunity to serve on Bar committees and in making appointments will consider several factors, including previous history of service to the Bar and service to local voluntary bar organizations.“Likewise for current appointees, records of participation and substantive contribution together with evaluation of committee chairs will be carefully considered,” McGrane said.McGrane said service on a Florida Bar committee is a time-consuming, demanding, and important responsibility.“As a mandatory Bar, we are charged with the obligation of maintaining and improving our justice system,” he said. “Our Supreme Court relies heavily upon us and our expertise in the exercise of the court’s rule-making authority. Additionally, through our substantive law committees, we constantly strive to improve those areas of law.”Committee members whose terms expire in 2003 must submit forms this year if they wish to be reappointed. Term limited members are encouraged to request appointment to a different committee. A list of committee members at the end of their terms can be found in the September Bar Journal directory issue on pages 614-629.“I encourage you to apply and assure that you will reap the rewards of your efforts,” McGrane said. “I will do my best to accommodate as many applicants as possible, and I apologize in advance to those I am not able to appoint.”Forms must be returned by January 10 and must include your attorney number.center_img Want to serve on a Bar committee?last_img read more

Chelsea v Southampton line-ups: Terry back, Pedro benched, one change for Saints

first_imgChelsea have restored captain John Terry to the starting line-up for the game with Southampton.He replaces Kurt Zouma, who drops to the bench, in one of four changes from the side which drew at Newcastle in the last Premier League match.Ramires replaces Nemanja Matic, Willian comes in for Pedro and Radamel Falcao gets the nod up front ahead of Loic Remy.Southampton name former Blues Ryan Bertrand and Oriol Romeu in their starting line-up, with on-loan Fulham keeper Maarten Stekelenburg in goal.Romeu replaces James Ward-Prowse in the Saints’ only change from the side which beat Swansea last weekend.Chelsea: Begovic; Ivanovic, Cahill, Terry, Azpilicueta; Ramires, Fabregas; Willian, Oscar, Hazard; Falcao. Subs from: Blackman, Zouma, Baba, Matic, Loftus-Cheek, Pedro, Remy.Southampton: Stekelenburg; Cedric, Fonte, Van Dijk, Bertrand; Wanyama, Romeu; Mane, Davis, Tadic; Pelle. Subs from: Davis, Martina, Yoshida, Ward-Prowse, Juanmi, Long, Rodriguez.Follow West London Sport on TwitterFind us on Facebooklast_img read more

Oracle Park sees other side to ‘Giants Torture,’ compelling moments lacking for Giants

first_imgSAN FRANCISCO — Fewer than 24 hours after making their fans’ hearts skip beats and their manager’s hair fall out in a too-close-for-comfort, one-run win, the Giants looked ready to “torture” the home crowd in a different way.For the first seven innings of Wednesday’s matinee against the Oakland A’s, the Giants were sleepwalking. Their pitches found barrels, their bats whiffed in the strike zone and they appeared destined to suffer a big, embarrassing blowout loss.Then came a furious, five-run …last_img read more

Alejandro lauds teammates’ fighting spirit despite loss to Ateneo

first_imgUnfortunately for the Bulldogs, the Blue Eagles converted 11 of their three-point attempts.Still, Alejandro doesn’t care much for the numbers and instead would look at the intangibles.“For me as long as I see them fighting, not giving up that is fine with me,” said Alejandro.And even with NU staying at the sixth seed with a 3-6 record, Alejandro said there’s no panic in the team and that they can still turn their fortunes around in their remaining five games.“There’s no panic, and we have to work about it,” said Alejandro who finished with 22 points, seven rebounds, and five assists. “As long as we play this kind of game we have a chance.”ADVERTISEMENT Fire hits houses in Mandaluyong City Don’t miss out on the latest news and information. Nonong Araneta re-elected as PFF president For the complete collegiate sports coverage including scores, schedules and stories, visit Inquirer Varsity. LATEST STORIES FILE Photo by Tristan Tamayo/ INQUIRER.netJ-Jay Alejandro on Wednesday walked out of Mall of Asia Arena a different man compared to when he left Smart Araneta Coliseum on Saturday.National University’s veteran wingman was frustrated, to say the least, at his teammates after their 90-77 loss to University of the East last Saturday in UAAP Season 80 men’s basketball tournament.ADVERTISEMENT Hugnatan steps up big in De Ocampo’s absence View comments BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight Frontrow holds fun run to raise funds for young cancer patients  Brace for potentially devastating typhoon approaching PH – NDRRMC Trending Articles PLAY LIST 00:50Trending Articles00:59Sports venues to be ready in time for SEA Games02:46Senators rally support for Robredo; laud her for accepting anti-drug post01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Kammuri turning to super typhoon less likely but possible — Pagasa And although the Bulldogs lost again, this time to league leader Ateneo 85-72, Alejandro was spritely and couldn’t help but applaud his teammates’ efforts.“I’m still okay, and we fought earlier,” said Alejandro. “It just so happens that we lost by the breaks of the game, those went to Ateneo. But I’m still proud of my teammates because I saw that they really fought hard.”FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutThe Bulldogs were in the game until the fourth quarter, when they trailed the Blue Eagles 67-65, when Ateneo managed to outscore them 18-7 in the final period.And although there was a huge disparity between the two teams in the fourth, NU was able to prevent Ateneo’s inside scoring. Kin of Misamis Oriental hero cop to get death benefits, award — PNP Read Next MOST READ Typhoon Kammuri accelerates, gains strength en route to PHlast_img read more

TravelManagers prove HomeBased no barrier to achieving top sales

first_imgPersonal travel manager Kerrin Poupos (second from left on tram running board) with her mega-famil buddies enjoying an iconic tram ride in San FranciscoTravelManagers prove Home-Based no barrier to achieving top salesBeing awarded one of Qantas Holidays’ top 60 sales consultants during the incentive period 01 September and 15 December 2015, earned personal travel manager Kerrin Poupos representative for Warragul, a place on the prestigious mega famil to Northern California.“We are thrilled to have Kerrin win a place on the Qantas Holidays’ mega famil. With places awarded to top sales consultants it really shows the strength of TravelManagers’ sales volumes and the value home-based agencies have within the industry,” says TravelManagers’ Executive General Manager, Michael Gazal.Participants on the recently held eight-night mega-famil, had the opportunity to fly on Qantas’ reinstated direct service from Sydney to San Francisco. The group was split into four, each enjoying a multi-itinerary famil experience. Poupos visited the iconic and historical sites in Sacramento and the wine region of Napa Valley, with all groups coming together, concluding with a Gala dinner in San Francisco on the final night.“This was my first time to Sacramento and previous to my visit I had never thought of it as a destination to recommend to clients. The itinerary was organised so well by Qantas Holidays we got a great feel for this Californian’ capital city – the people, culture, sounds, smells and sights. The painting class was hilarious at the Painted Cork, I’m just so glad I had a glass of wine – it really helped with my creativity! As a result I can now provide my first hand tips and experience for places to eat, where to shop and must do activities. It’s these personal recommendations that makes all the difference,” says Poupos.For Poupos, the Napa Valley located less than an hour from San Francisco, lived up to its reputation for being America’s premier food and wine destination.“Experiencing wine tasting aboard a cable car is truly unique and was a fantastic way to explore and enjoy the wines of the region. A visit to the legendary Oxbow Public Market is also a must. Showcasing all things culinary Oxbow is foodie central – I highly recommend you visit on an empty stomach!”San Francisco is synonymous for its Golden Gate Bridge and for Poupos it was the bike ride over this iconic landmark, which proved to be her most memorable famil experience.“The bicycle ride over the Golden Gate Bridge to Sausalito was truly spectacular. Taking time to enjoy the views and do it at your own pace made it really enjoyable – you certainly don’t need to be an experienced cyclist, anyone can do it and I highly recommend this as a must do for anyone visiting San Francisco.”TravelManagers offer personal travel managers a dedicated educational programme in conjunction with preferred trade suppliers. This is backed up by strong state and national support, including a national partnership office and licensed state office with local business partnership managers.“Personal travel managers have access to the broadest and most in-depth support nationwide including virtual office technology, training, marketing, fares and ticketing as well as 24/7 access to all mid and back-office processes. This type of behind the scenes central and local state-based support is crucial,” says Gazal.For more information or to speak to someone confidentially about TravelManagers please contact Suzanne Laister on 1800 019 599.About TravelManagersTravelManagers operates in all Australian States and is a wholly owned subsidiary of House of Travel, Australasia’s largest independent travel company which has a forecast turnover of $1.5 billion for 2015. TravelManagers is a sister company to Hoot Holidays, also owned by House of Travel, and has more than 490 personal travel managers throughout Australia with a dedicated support team at the company’s national partnership office in Sydney. TravelManagers places all customer money in a dedicated and audited Client Trust Account which is separate from the general business accounts, ensuring client funds are only used for client purchases. Personal Travel Managerclick here to become a PTM Source = TravelManagers Australialast_img read more

Rep Howrylaks Advancing Michigans Future plan would help state taxpayers in wake

first_img Categories: Howrylak News,News 13Apr Rep. Howrylak’s ‘Advancing Michigan’s Future’ plan would help state taxpayers in wake of federal changes State Rep. Martin Howrylak this week introduced a plan to offset new limitations on deducting state and local taxes from individual taxpayers’ federal tax bills.Howrylak’s proposal is sparked by changes to the federal tax code made late last year.The new federal code caps the amount of state and local taxes that can be deducted from federal taxable income at $10,000 annually. Howrylak’s plan would allow individual taxpayers in Michigan to donate money to the state, then claim up to the same amount as a state-level income tax credit.“This plan does not hurt state tax revenue in any way,” said Howrylak, of Troy. “It simply provides a way to help Michigan taxpayers structure their payments without harming the funding critical to our important public services.”Howrylak’s legislation would create the “Advancing Michigan’s Future” fund. Taxpayers could donate to the fund, with the money going to support public safety, roads and other services financed through Michigan’s main budget account.Taxpayers who donate to the fund could claim a tax credit of up to an equal amount on their state income taxes. Taxpayers could donate more to the state if they wish, or if a taxpayer does not claim the full credit in one tax year, the remaining credit amount could be carried over for up to five years.The legislation – House Bill 5804 – was referred to the House Tax Policy Committee.###last_img read more

This is important Ive been warning about an out

first_imgThis is important. I’ve been warning about an outside attack on Bitcoin for some time, but the biggest threat may come from inside: from people who profess to love Bitcoin. The people I’m talking about don’t love Bitcoin itself, and they don’t love the freedom it brings, no matter what they say. Instead they love the money they hope to make by becoming the new techno-riche: successors to Zuckerberg, Gates and the rest. (Yes, that’s an unfair thing for me to say, but I’d also be willing to bet large on it.) The people I refer to are a neo-plutocracy – insiders who wish to institutionalise Bitcoin, making billions for themselves while turning it into just another version of PayPal. The Attack on Bitcoin begins… One long-time bitcoiner has been warning for some time that this group controls the Bitcoin Foundation. He describes them as “regulatory statists.” He has analyzed their backtalks since their beginning and has been telling anyone who would listen that they wished to politically co-opt the Bitcoin market. At last weekend’s Bitcoin conference, he was proved correct. Robert Wenzel of economicpolicyjournal.com reported this, directly from the conference: The most important vibe I am picking up at the event is that there are many money players who want to get Bitcoin up and running and are willing to play by government rules, that is, register all accounts they open and take down the name, DOB and social security number of Bitcoin buyers and sellers… Many of these players argue that it is impossible to battle the government, [one developer] told me that “It is a period to build the baby and not send it to war.” No sooner than that passed my screen, I got an article entitled Winklevoss twins on Bitcoin: Time to work with the Feds. The article quotes Cameron Winklevoss (one of the Facebook twins) saying this at the conference: I don’t think anyone wants a fight – I think everyone here wants to build Bitcoin, to work with regulators, cooperation is really the way forward. Let’s be clear about this: Bitcoin is a new thing. If it is forced into the old mold of politics, regulation and control, it will become just another tool of an oligarchy. And the prospective Bitcoin oligarchy are precisely those people who wish to shove Bitcoin, against its nature, into the same old statist, plutocratic mold. The result would be a few dozen insiders getting very rich and leaving the rest of us back where we started. Regardless of the new plutocracy’s creative justifications and their fear-based scenarios, Bitcoin will be neutered and co-opted by governments and bankers if they get their way. This is the largest single threat facing Bitcoin at the present time. Fear and greed work, and corruption follows with them. I am not alone in this, by the way. Bitcoin expert Mike Gogulski has come to the same conclusion, writing “the Bitcoin Foundation is TOXIC and must dissolve.” An unnamed “old radical” warned about precisely this in 2012. The inside threat to Bitcoin and therefore an insider attack on Bitcoin is real, and was on open display over this past weekend. What do to If bitcoiners are serious about human liberty – as opposed to the same old crap in a new wrapper – they must turn hard against this neo-Plutocracy and their promises of an easy way out. Nothing great comes easy, and important things are more often killed by their supposed friends than by their enemies. I will close with a comment Martin Luther once made to a young assistant who was asking God to save them from their enemies. Please take it to heart: We can handle our enemies. God save us from our friends. Paul Rosenberg FreemansPerspective.comlast_img read more

Justins note Todays essay will help you make su

first_imgJustin’s note: Today’s essay will help you make superior gains in a shorter time period. And you don’t need to spend countless hours tracking the market’s every move to do it…As Palm Beach Daily analyst Nick Rokke shows, you can start investing like the “Big Boys” by simply following his two strategies below… By Nick Rokke, analyst, The Palm Beach DailyPeter Lynch is famous for coining the term “10-bagger.”A 10-bagger is a stock that rises 10 times in value after you buy it.Lynch even wrote a book about finding these elusive types of stocks called One Up on Wall Street.It’s one of my favorite books on investing… If you’re a serious investor and haven’t read it, go online and buy it right now.Peter Lynch should be near the top of anyone’s list of greatest investors ever.He ran the Fidelity Magellan Fund for 13 years. From 1977 to 1990, his average annual return was 29%. He crushed the S&P 500, which averaged 16% annual returns over the same span.But here’s the thing…Lynch rarely snagged any 10-baggers.In fact, Lynch held on to the average stock for only four months. That’s usually not long enough to collect 10 times your money on a single position. The truth is, if you want to generate higher returns in a shorter amount of time—like the pros—you’ll need to be a much more active trader.These are guys who make multiple trades daily, weekly, or monthly. Most people think that you need lots of patience to achieve 100%-plus gains. And usually, you do.There’s no problem with a buy-and-hold strategy. After all, investing in quality, safe, and income-generating stocks for the long haul is one of our bedrock principles.But we also like to play the market… and try to make gains in a few weeks or months that takes passive investors a whole year to achieve. To actively generate profits trading like Lynch did requires a major commitment of time and effort, though.Today, we’ll show you two ways to trade like the Big Boys with a few mouse clicks.Two Means… Same EndBoth active and passive traders try to make big returns. They’re basically different means to the same end.However, active traders can accumulate gains much quicker than passive investors.Some active traders trade in and out of positions every day. We can’t follow their strategies. But other active traders hold their positions for weeks or months.Those are the traders we want to follow. Announcing The $250,000 Challenge. Do you have the courage to accept it?Here’s the Challenge: This simple stock selection system – to be revealed on June 14th – produced a track record that will show you how to make $250,000 in profits. It’s straightforward, simple, and audacious. Here’s how to accept The $250,000 Challenge right now… On the other hand, passive investors generally buy stocks (either individually or through index funds) and hold them for years.Instead of catching a quick rally, passive traders buy and hold. They believe the market will rise over time and lift their investments. They don’t worry about whether the market is going up or down in the short term.Look, you can make a lot of money either way… (We use both strategies at Palm Beach Research Group.)A buy-and-hold approach could earn you 10% per year… We’ll take that any day. But if you want to make superior gains like Lynch, the active route is the way to go.For example, if you put $100,000 into Lynch’s portfolio, you’d have made $3.4 million over the 13 years that he ran the fund.If you put that same amount into an index fund that tracked the S&P 500, you’d have only made $700,000 over the same span.Lynch’s strategy would have made you almost five times your money. And it’s not that hard to adopt it…Two Simple Ways to Trade Like a ProTo make huge returns like Lynch did from active trading doesn’t mean you need to sit in front of a computer screen all day watching stock prices.One simple way to follow the Big Boys is to read their 13F filings.All funds that have more than $100 million under management need to file a quarterly report with the U.S. Securities and Exchange Commission (SEC).These reports are public record. So you can look at them yourself and see what funds are buying and selling, and follow suit.If you want to read through the 13F filings yourself, check out WhaleWisdom or GuruFocus.That way, you can follow the trades made by some of the world’s best investors, like Peter Lynch, Warren Buffett, and David Tepper. They do all the research for you.If you don’t want to track 13F filings, another simple strategy is to follow our Elite 25 portfolio.Each month, we update this portfolio. And all it takes is about 30 minutes per month to make the trades.Over the past 20 years, the Elite 25 has returned 21% per year. That’s compared to just 7% per year for the S&P 500.You can check out the Elite 25 portfolio right here.These two strategies will help you become a more active investor… and make you more money in the markets.Regards,Nick Rokke, CFA Analyst, The Palm Beach DailyP.S. There’s also a third way to actively trade the stock market without all the time and effort involved—finding an expert to do it for you.That’s what PBRG guru Teeka Tiwari has done… He’s uncovered a Wall Street insider we call the “Billionaire Broker.” This master trader worked for one of the world’s top investment banks, where he discovered a secret about the billionaire “whale” traders.In his historical trial—that was independently verified by a $1.1 billion third-party financial services company—his top 150 trades averaged an astonishing 2,418%.We will reveal his identity during our special Confessions of a “Billionaire Broker” presentation at 8 p.m. ET on Thursday. You can register for your free seat right here…Reader MailbagToday, readers respond to Strategic Investor editor E.B. Tucker’s recent essay, “Visit This Place While You Still Can”…E.B. Tucker, congratulations! The tale of your frozen assets, your trip to Cuba, the everyday details of your stay, what to do, what NOT to do in Havana, made me laugh so much! You got into the spirit of South America (I am Argentine) and the Caribbean way of life! That is a great asset! In a similar way, but in the reverse, I love going to the States: everything is so orderly and neat and predictable and opulent. It’s a wonderful contrast to our daily chaos.—Janick Recommended Link Recommended Linkcenter_img — — U.S./China Trade War Opens 1,127% Profit WindowDonald Trump’s $60 billion tariff on China will trigger a Chinese “kill switch” on the U.S. military… a virtually unknown “weapon” that president Xi Jinping could initiate with the snap of a finger. Based on our research, only one tiny company will have the means to save the military and embark on a 10-fold price surge. But this window of opportunity will not remain open for too long. I suggest you get in before this “kill switch” is initiated. Everything you need to know about this opportunity and America’s next patriotic move is detailed here. Get in now. I am one of your subscribers who will seem perhaps a little off-the-wall for what I am about to say. Mr. Tucker reports that he was able to “stop for a cigar”—an event that he relates with what seems to be a declaration of his being macho—or perhaps it was to express his relief? Whatever, Mr. Tucker, know that there are still some among us who see cigars for what they are: a filthy indulgence that makes everything around them smell like a stack of burning goat-sh*t, no matter that one pretends otherwise.It is not cool to smoke cigars, Mr. Tucker, although Casey himself has often mentioned that he does so as a point of pride. People who are as intelligent as those in the Casey gang seem to be should rid themselves of their proclivity for cigars—or at least sneak around the corner when they need to suck on one and afterwards don’t tell anyone about it. —GeorgeAs always, let us know your thoughts, including any suggestions you may have for the Dispatch, right here.In Case You Missed It…This is urgent. Evidence shows Amazon may be on the verge of issuing its own crypto coin…Silicon Valley crypto expert Jeff Brown says he has two “backdoor” ways to profit from this extraordinary event. And it doesn’t involve buying a single cryptocurrency…last_img read more

Disabled people have been failed by the government

first_imgDisabled people have been failed by the government’s inability to manage the assessments for disability benefits that are carried out by outsourcing giants Atos Maximus and Capita, according to the chair of an influential committee of MPs.Labour MP Meg Hillier, who chairs the Commons public accounts committee, spoke out after a damning report by the public spending watchdog, which found spending on assessments was set to double in just two years while the three companies were failing to meet the required standards.The assessments help determine eligibility for employment and support allowance (ESA) and personal independence payment (PIP), and also aim to support people on sick leave back into work as part of the new Fit for Work service.But the National Audit Office (NAO) said the Department for Work and Pensions (DWP) had failed to achieve value for money from the health and disability assessments it had contracted out to Atos, Maximus and Capita.In 2014-15, DWP spent about £275 million on assessment contracts, but this is expected to more than double to £579 million by 2016-17.Between April 2015 and March 2018, DWP expects the three companies to carry out about seven million assessments, at an estimated cost of £1.6 billion.It also expects the contractors will increase the number of healthcare professionals they employ by more than 80 per cent, from 2,200 in May 2015 to 4,050 in November 2016.NAO said the cost of the assessments was rising and Atos, Capita and Maximus were “still struggling to meet expected performance standards”.It points in the report to DWP’s contract with Maximus, which took over the provision of ESA assessments from Atos in March 2015.Under the contract, the government expects to pay Maximus £595 million over three years for 3.4 million assessments, at a cost of about £190 per assessment, compared with £115 per assessment under the previous contract with Atos – an increase of 65 per cent.DWP has told NAO that the increase in cost is partly due to Maximus carrying out a higher proportion of face-to-face assessments than Atos, and paying higher salaries for healthcare professionals.The estimated cost of hiring and training a London-based nurse to carry out ESA assessments has increased from an average £26,000 in spring 2014 under the Atos contract to £44,000 for a London-based nurse in 2015-16 under Maximus.The report also says that despite Atos and Capita now taking an average of four weeks to process a PIP assessment, compared to 29 weeks in mid-2014, and Maximus taking 23 weeks for an ESA assessment (compared to 29 weeks previously), by last August there was still a backlog of at least 280,000 ESA assessments.NAO also warned that Maximus was “not on track to complete the expected number of assessments” for 2015-16 – DWP set a target of nearly one million ESA assessments – and “has missed assessment report quality targets since the start of the contract”.It said that both Atos and Capita have failed to meet PIP assessment report quality targets since October 2013.NAO said DWP had expanded its performance management team and managed the transition between ESA providers “smoothly”, after Atos requested an early exit from its contract.Amyas Morse, NAOs, said DWP had “addressed some of its immediate operational issues” in managing the assessments but “now needs to take action to break a perpetuating cycle of optimistic targets, contractual underperformance and costly recovery”.He added: “The department is paying more for assessments, but providers are still not meeting expected performance levels. “The department needs providers to complete the planned number of assessments so that it can achieve the significant benefit savings it expects to make over the next few years.”NAO called on DWP to “develop an overall commercial strategy for assessments, set challenging realistic targets for providers and engage with providers to learn from previous experience”.Hillier said: “The department’s approach has been unclear, its targets untested and consistently missed and future delivery is under threat.“With the annual cost of assessments now expected to rise to a staggering £579 million in 2016-17, taxpayers have been left to foot the bill.”She added: “Contracting out the delivery of public services does not absolve the department from its responsibilities to ensure that taxpayers’ money is well-spent.“The department needs to do more to ensure private providers deliver a better deal for sick and disabled people, as assessments have a huge impact on their ability to access vital cash to live with dignity.”last_img read more