House Republicans passed legislation seeking to shore up the finances of the National Flood Insurance Program.
Titled the 21st Century Flood Reform Act, the bill, which passed the chamber by a vote of 237-189 with bipartisan support, attempt to stabilize the flood program by raising prices on homeowners whose homes have flooded and altering homeowners towards the insurance companies.
Attention will now shift to the Senate where legislation is in the works.
"Today's vote on the #FloodInsurance bill provides important reforms for certainty and taxpayers for policy holders," House Majority Whip Steve Scalise, R-Louis., composed on Twitter.
The passage of the bill follows a lengthy discussion over the past six months, as Republicans and Democrats alike battled over a program that those living along rivers and seas rely on greatly to subsidize their flood insurance premiums but has conducted massive deficits over the last ten years.
Laura Lightbody, project director of The Pew Charitable Trusts' flood-prepared communities initiative, wrote in a blog post the legislation "addresses the growing and costly drain of repeatedly flooded properties on the NFIP."
"Historically representing only about 1 percent of policyholders but approximately 25 to 30 percent of the program's claims, the amount of these properties has been rising and will continue to grow as lower-risk property owners opt for personal flood insurance," she wrote.
Tuesday's vote represents a success for Rep. Jeb Hensarling, chairman of the House Financial Services Committee, who has pushed for flood insurance policy reform for years and has stated he will retire at the conclusion of his term at early 2019.
But getting passage wasn't simple. This month Hensarling announced a deal with Scalise that gave homeowners - just their future claims not asserts that were past, could be counted.
For congressmen representing coastal areas, such as Rep. Pete Olson, R-Sugar Land, keeping premiums from rising too far was a requirement after earlier efforts to reform the program brought angry responses from constituents.
"This bill includes common-sense reforms that make sure Americans living in high flooding areas can still buy affordable flood insurance," he explained. "I am pleased that my associates and I were able to discover a solution that puts NFIP on a sustainable financial path and will provide needed relief through future flooding events. I urge the Senate to act quickly as well."
Texas Republicans voted unanimously for the bill, while Texas Democrats voted against, except Rep. Lloyd Doggett, D-Austin.
A quick overview of the National Flood Insurance Program. Traditional insurance does not cover flooding ~ make sure you are protected!
Hospice employees may witness death and terminal sickness almost every day, but it does not mean they have recorded their own wishes and will, a new report finds.
A poll of nearly 900 healthcare workers at a Florida hospice discovered that over half -- just 44 percent -- had completed advance directives. Of the remainder, 52 percent said they hadn't filled out the forms that define choices. Almost 4 percent said that they were not sure when they had or not.
That surprised Dr George Luck, a palliative medicine specialist at the Charles E. Schmidt College of Medicine at Florida Atlantic University, who led the research.
Luck expected more from people who utilize the even though the proportion is greater than the approximately one-third of Americans that have advance directives in place.
"I expected people who are employed in a hospice setting, who see what happens when someone does not have an advance directive, the way that may be a battle for the household, a larger burden," to be better prepared, stated Luck. The study was written in the American Journal of Medicine.
Equally surprising was that about 10 percent of hospice workers without directives stated they did not know where to acquire the types -- which are widely available on the internet. Another nearly 6 percent said cost was a barrier, even though the documents can be completed without the help of an attorney, at no cost.
"I don't require everybody to have an advance death will, but at least understand the fundamentals," Luck said. "Basically, you can write it on a napkin in the event that you wanted to."
Approximately 7 percent of employees said fear of the topic kept them '' he explained.
Luck and his colleagues sent surveys annually to nearly 2,100 employees at Trustbridge, a hospice in Boca Raton, Fla., which serves about 2,000 patients. The 890 people who responded included physicians, nurses, clergy, office employees, volunteers and others.
Whether they had completed advance directives varied by age and ethnicity. Almost 60 percent of workers had filled the records out, compared with about 30 percent of Hispanics, 22 percent of African-Americans and 14 percent of Asians, the study revealed.
Volunteers and physicians were most inclined to have advance directives, with 60 percent saying they'd records in place, compared to about 20 percent of licensed nursing assistants.
That was probably linked to age, Luck said. Doctors and volunteers tended to be older than the CNAs. The forms had been filled out by nearly 80 percent of employees older than 65, compared with about 25 percent of those 40 and younger.
It didn't appear to matter whether employees cared for patients that are dying. Approximately 46 percent of those who spent over 75 percent of the time had directives, about the same as those with no interaction.
It's getting better, although the proportion of Americans overall who place their wishes in writing is low. In 1990, directives had been completed by only 16 percent of individuals who reacted to a Pew Research Center study. By 2013, that number rose to 35%.
Still, the new study shows the reluctance of many individuals to address their mortality, '' said Jon Radulovic, a spokesman for the National Hospice and Palliative Care Organization (NHPCO).
"It's a reminder that hospice professionals, despite the fact that they deal with death and dying among the families and patients that they care for, are still people who do not think their deaths might be impending," Radulovic stated in an email.
Everyone can fill out an advance directive, stated Luck. Once completed, the forms could be shared with caregivers and kept with documents. An NHPCO program called CaringInfo.org offers free, state-specific advance directive forms, and a manual for having end-of-life conversations.
Better education is the key, Luck said. And it's possible that hospice workers may only need a nudge. 43 percent of those without documents said they planned to fill the forms out following the Florida team members took his poll.
Houston earned a top place to raise a family, according to online real estate portal site Homeday. It had been one only nine U.S. cities, and also the only one in Texas, to make the record of top 100 cities.
Berlin-based Homeday analyzed 15 variables as contributing to what makes a city great identified by parents. They comprised enjoyment degrees laws, healthcare quality, infrastructure, activities for children, and specialist perception. Homeday rated the towns.
Denmark, Copenhagen, earned the top spot.
Thirteen from the top 20 best cities for families are in Europe, together with towns in Australia, Canada and New Zealand also bringing spots.
Houston, No. 35 to the total record, ranks second greatest for affordability, behind No. 1 Riyadh, Saudi Arabia, and before No. 3 Hanover, Germany.
"Our real estate agents agree that the supreme importance for many young families looking for real estate is a location that's good because of their family development," Homeday managing director Steffen Wicker stated in a statement.
"For those families trying to determine where to set down roots, they need data-led explore more than ever to help them make an informed decision."
Houston was one of nine U.S. cities to make the position, with a mean rating of 7.0 out of 10. It placed behind Seattle (No. 31; score 7.21), and ahead of seven other cities such as Boston, San Francisco and New York. The cities obtained the lowest score over the nation's maternity/paternity laws. This factor was scored low on by the cities of Sydney, Melbourne and Brisbane.
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Bill Gates' charity foundation is giving up $10 million to back ideas directed at enhancing education, abolishing poverty, and preventing climate change, amongst other causes.
With all the MiSK Foundation, a philanthropic organization established by Saudi Crown Prince Mohammad bin Salman, Bill and Melinda Gates Foundation announced a partnership on Tuesday.
The MiSK Grand Challenges initiative will finance 100 "innovators" with $100,000 each. Ideas must be submitted around two topics: education and citizenship.
A string of "grand challenges" will be launched over a three-year interval around the two issues.
The charity is watching for "innovative answers to challenges covering education systems." And it's also watching ideas to help address "Global Aims for Sustainable Growth" for example reducing poverty and making sure everyone has access to clean water.
Will access individuals and specialists to help them develop their evidence of concepts into actual initiatives. Following this, successful applicants can apply for more funding.
"The MiSK Challenges will give power to more of the brightest minds across the world to find the very best ideas to solve some of the toughest development challenges," Gates said in a media release on Tuesday.
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Obtaining coupons equals getting savings. It's simple math, but how do you put your hands on coupons? Read on for several strategies to try:
Sign Up for Newsletters for Coupons
Are you currently devoted to a Specific product or brand? Check the organization's website to see if they offer email newsletter or a free newsletter. Clients are often rewarded with promotions and special coupons.
Do not stop with companies that are national - what shops and restaurants do you frequent near home? Check their sites whether they've got an email newsletter, to see and sign up for it. Not only are you likely to get coupons, but you'll also get notice of sales, giveaways, competitions and unique events.
Buy an Extra Newspapers to Acquire Coupons
There's no rule that states you may only buy one newspaper. When you find a good voucher inside, pick up an extra one (or five). Some stores discount their unsold Sunday newspapers on Monday, and so you'll get those extra coupons for cash out of pocket.
Collect Unwanted Newspaper Coupon Inserts
You'll see that people often leave unwanted portions of their newspapers behind restaurants, at coffee shops, bus stops, and everywhere there's a waiting room. Keep your eyes open for the opportunity. You could put out the word to family and friends who might work to collect them.
Have Coupons Sent to Your Cell Phone Via Programs
Download coupon apps and you'll have a selection of coupons to use on the move. You won't need scissors or a coupon organizer!
Telephone Companies to Get Coupons
Take a peek and find the toll-free number for these companies. Give a call to them and ask if they got any coupons that they can give via mail or email. Likewise, take note of their website and see if they have promos, printable coupons, a loyalty program, or a newsletter.
Get Digital Coupons
Coupons can be loaded by you onto your supermarket rewards cards, whenever they scan your card and the savings will come off automatically. This is another method to get coupon savings even in the event that you'd like to avoid sorting, storing and using paper coupons.
Think Outside the Box
Coupons are all over the area, you just have to start looking for them. Have you just been stuffing ticket stubs and receipts into your handbag or wallet? Flip them over and you will find coupons for entertainment and the very items you have just bought.
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Making matters can be both gratifying and cost-effective. Since you run out of things which you normally purchase, challenge yourself to come up with a replacement that is homemade. You will be astounded at how simple it's to create lots of the products that you're utilized to buying.
Here are ten things you should make yourself:
Beauty products are costly and full of ingredients, so start creating your own. Lip balm, lotion they're all a cinch. Pick and select the ingredients according to your own special needs. Customize completed products.
Hint: Hang on to an empty store containers, and refill them with your homemade solutions. Even lip balm and deodorant containers can be cleaned and refilled. To remember what's inside just be certain to relabel the containers.
Stretch your household budget by making your liquid soap, foaming soap and hand sanitizer. Subsequently, whip up some treasure soap to give as presents. Proceed up to hot-process soap, once you've cut your teeth on those projects. It's a bit more involved but will provide you soaps.
Round up all the leftovers candles you have already used especially that big can of unmelted wax, and use them to discover how to produce your own candles. Just grab some wicks from a craft shop, and you'll have all you need to create container candles.
Stop lugging goods overpriced cleaning, and start producing your own. Such as vinegar and baking soda on hand, there, if you keep a few essential components.
Use the spices you currently have in your pantry to make. Taco seasoning, pumpkin pie spice, poultry seasoning--they're merely a handful of spices blended.
Tomato sauce and applesauce are indeed much better than anything you can buy in the shop. Load up on apples and tomatoes when they're in season. After that, make enough sauce to last you a year. Think you are too busy to fool with homemade sauce? Just pull your crockpot out, and it'll do the majority of the job for you.
Made-from-scratch condiments create any meal more healthy. Check out recipes and discover just how easy is to create your own gourmet ketchup, salad dressings, mustard and more.
Cheese, butter, sour cream, yogurt--they are a heck of a lot simpler to create that you could think. Begin a heap of cheese, and you could be eating it in as few as 30 minutes.
Jams and Spreads
Grocery store jams and jellies are all meh, so catch some jars and make your own. Make freezer jam in case you intimidate. It requires no special equipment and takes minutes to create.
If homemade is an alternative, don't settle for mass-produced bread. It requires very little hands-free time to make even a batch of pizza bread or a loaf of bread, and also-also the difference in flavor and texture is huge.
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