Applications are now open for the Australia Post Our Neighbourhood grants which are aimed at funding community projects that build a more healthy and inclusive Australia.Applications for the grants close on Friday, 28 June 2013, with one-off cash grant payments of between $1000 and $25,000 on offer, with grant amounts based around how strongly the community project or initiative includes and supports disadvantaged groups in Australia.The initiative is aimed at giving services that met these criterions a needed boost, in order to provide all Australians with necessary services, maintain and support diversity, grow community spirit and help areas recover from previous crisis.If you believe your community project or initiative may be eligible for a grant or to find out more information, please visit http://ourneighbourhood.com.au/grants/community-grants.html.Related LinksOur Neighbourhood Grants
“Fundraising is the F-word to many board members.” —Gail Perry, Fired Up Fundraising It’s all too common for board members to avoid fundraising for your nonprofit because it can cause a lot of anxiety—even downright fear. We asked Rachel Muir, vice president of training at Pursuant and founder of Girlstart, to share how you can reframe some common fundraising fears to help your board members feel confident every time they make an ask. Fear: If a donor gives to our organization, it might hurt them in some way. Truth: The world is full of generous people who want to give. The wrong approach to fundraising is feeling like you’re taking something away from someone. Encourage your board members to believe in abundance. We don’t have to look any farther than the ALS Ice Bucket Challenge, which raised $220 million. Before the challenge, that $220 million was sitting in people’s pockets and bank accounts, but that challenge inspired people to give. Fear: I’ll be rejected and fail. Truth: Ninety-five percent of the ask is what leads up to it. Think about a marriage proposal. You pretty much know the answer before the words are spoken out loud. It’s not how the question is asked; it’s all the work you did beforehand to build the relationship. That’s what gets you to yes, and it’s the same in fundraising. It’s what happens before the solicitation that brings a person to give. Getting a meeting with a donor, for example, is a very positive indicator. People won’t agree to a meeting unless they’re highly likely to make a gift. Ideally, you’ve been cultivating this person appropriately. It’s important for your board to remember that. The ask feels like the hardest or scariest part, but the real ask is all the work that happened before your board member invites the donor to contribute. Fear: I don’t want to put someone on the spot. Truth: Giving is a joyous experience that feels good to the donor. This fact is so important to remind your board. According to a recent donor engagement study from ABILA, donors feel the most engaged and connected to your cause when they’re making a gift. As donors, we tend think about how the person on the receiving end will feel. We’re excited about the organization opening the mail and finding our check. If we’re giving online, we’re excited about the nonprofit receiving the email announcing our donation. It just feels good to give. Ultimately, it comes down to reminding board members that they’re simply sharing their passion for your cause. They’re offering people an opportunity to make a real impact in the world. There is much to be given, and there is much to be had. Want more great advice from Rachel Muir to help your board members become fundraising superstars? Download the complete Nonprofit 911 webinar, “10 Tips to Get Your Board Fundraising in One Hour,” right now!
I’m a big fan of Heather Yandow from Third Space Studio. Heather produces a labor of love for small and mighty nonprofits: The Individual Donor Benchmark Report (IDBR). The IDBR highlights fundraising data trends for nonprofit organizations with annual budgets under $2 million. If you’d like to share your organization’s data for the next IDBR, please visit Heather’s website for more info.Keep reading this post to discover why the IDBR’s data is so valuable and to collect a few nuggets of wisdom from Heather about donor data.What is the IDBR and why should organizations care about the findings?Heather Yandow (HY): The Individual Donor Benchmark Report digs into the fundraising data of small and mighty nonprofits, those with annual budgets under $2 million.It’s a best practice that nonprofits need to set goals, track outcomes, and learn from past performance. But collecting and analyzing data in a vacuum only gives part of the picture. Organizations also need to the ability to measure the impact of their fundraising and compare it other organizations like theirs, as well as to the larger sector. That’s why we created the Individual Donor Benchmark Project.There is no other benchmarking resource for smaller organizations with individual donor fundraising programs. Simply put, the IDBR is a resource for nonprofits to see how they stack up. It helps answer questions like:Where is our fundraising doing well?What parts of our fundraising program might need a little more attention?What experiments could we try to improve our fundraising program? What data do you need to have in order to participate in the research?HY: We’ve tried to streamline the data organizations need to participate to only the most critical metrics. To participate, you’ll need to report numbers like:Organizational revenue and expensesTotal amount of individual donor revenue and number of donorsAmount raised online and number of online donorsYou can preview of the full set of questions on this site .We’ve also decided that none of the questions are required. So, if you are unable to answer a question or two (or five), that’s okay! Set aside one hour to dig into your data. You’d be surprised how much you can accomplish with one focused hour! And you might just get on a roll and keep going. Now, for something fun. On a scale from 1-10, how much do you love data?HY: I’m probably an eight. I do love data and spend a good bit of my time collecting data, training about data, and helping organization harness the power of data. But to be a ten, I think I’d have to be this guy. I’m not there yet! What are common challenges orgs face when trying to access the data they need and how can they overcome these challenges?HY: The most common challenge is that organizations don’t have a database that they know and love. For some, it’s hard to get data out of their system. For others, they don’t trust the data they do access.Here are four tips to help you start gathering this data:Take a look at this year’s survey questions. Print them out and identify what data you can easily find (like last year’s total income) and what might take a little more time to figure out (like retention rate). If you run into problems, know that you can skip a question or two on the survey. I know that sometimes a number just isn’t easily available, so you can just leave that question blank.From Network for Good: Don’t have a user-friendly donor database that can help you store, access, and analyze your donor data? Network for Good’s new donor management system is everything you need and nothing you don’t. Check it out now! Last year’s big finding was about how much more money organizations raised when they had a fundraising plan. Are you looking into that again this year or are you trying to determine new/different factors that contribute to fundraising success/misses?HY: Both! We are definitely digging in to our finding that a fundraising plan is the secret to individual donor success. To start, we want to get a better understanding of what a typical fundraising plan looks like. Does it include an annual development calendar? An analysis of the previous year? We’re hoping that getting more specific information will help identify the critical parts of the fundraising plan.At the same time, we will also be looking into other factors that may contribute to fundraising success, like Board participation in fundraising or the number of meetings organizations hold with donors and potential donors.If organizations want to participate in your research, what’s in it for them and how can they sign up?It’s easy to be part of the survey! Just visit http://www.thirdspacestudio.com/idbproject/ to learn more and start the survey.As a thank you for being part of the survey, you will receive:a results reports as well as the complete survey results to share with your colleagues and Boardan invitation to a special webinar just for survey participants to dig into the resultsa copy of official Individual Donor Benchmark Report and Infographica chance to win one of 50 coveted consultations with Ravela Insights, experts in donor data analytics, database strategy, and prospect identificationa chance to win one of five Grassroots Institute for Fundraising Training prize packs with a subscription to the Grassroots Fundraising Journal as well as a book from the Kim Klein Fundraising Series Consider all the many ways that you might get the data you need. Your database may produce a perfect report – but it might not! You may need to take a closer look at your data by putting it into Excel. Or, you might need to look at the report from your online payment processor to find information about online gifts and monthly donations.
Posted on February 3, 2014August 10, 2016Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)The WHO recently released a draft version of the Every Newborn Action Plan (ENAP) for public comment. The ENAP addresses progress toward improving newborn survival in recent years, along with persistent challenges for accelerating progress. It also notes the opportunities presented by growing global commitments to improve health across the continuum of care for reproductive, maternal, newborn and child health. Once finalized, the ENAP will be presented at the upcoming World Health Assembly in May 2014. From the draft: The Every Newborn: an action plan to end preventable deaths is a roadmap for change. It sets out a vision and proposes a goal and targets to end newborn deaths from preventable causes. Five guiding principles and five strategic objectives are at the core of the plan. The action plan is based on evidence and considers the main causes on newborn mortality and effective interventions to prevent and manage these. It builds on the intrinsic links between maternal and newborn health and promotes state-of-the-art knowledge of effective delivery approaches for the interventions and innovations to accelerate progress towards universal health coverage. The plan is also informed by a systematic review of the progress in addressing newborn survival globally in the last decade.The announcement notes that the ENAP will be linked with “specific plans and targets for maternal health” that are now under development. To join the online consultation on the draft ENAP, submit comments using WHO’s online form by February 28. In addition to the online consultation, a public discussion of the draft will be held on February 12, in Washington, DC. For further details, visit MCHIP’s event announcement.Share this: ShareEmailPrint To learn more, read:
ShareEmailPrint To learn more, read: Posted on November 6, 2014June 23, 2017By: Mohammod Shahidullah, Professor and Chairman of the Department of Neonatology, Bangabandhu Sheikh Mujib Medical UniversityClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)This post is part of the Maternal and Newborn Integration Blog Series, which shares themes of and reactions to the “Integration of Maternal and Newborn Health: In Pursuit of Quality” technical meetingA new mother and her six-day-old baby receive a postnatal check up at the new government clinic in Badulpur, Habijganj, Bangladesh. Photo: CJ Clarke/Save the ChildrenThe continuum of care has become a rallying call to reduce the maternal deaths, stillbirths, neonatal deaths, and child deaths. Continuity of care is necessary throughout the lifecycle (adolescence, pregnancy, childbirth, the postnatal period, and childhood) and also between places of caregiving (including households and communities, outpatient and outreach services, and clinical-care settings). Within the continuum, all women should have access to care during pregnancy and childbirth, and all babies should be able to grow into children who survive and thrive.Unfortunately in the modern era of medical science, the program efforts addressing the health of mothers and newborns are often planned, managed, and delivered separately; though, from a biological perspective, maternal and newborn health are intimately linked.Integration of maternal and newborn health is an important approach to avoid separation between a mother and her newborn baby, places of service delivery, or at any event of health services. A persistent divide between training, programs, service delivery, monitoring, and quality improvement systems on maternal and newborn health limits effectiveness to improve outcomes. But it is evident that at the public health level, even with scarce human and financial resources, integrated service packages can maximize the efficiency for health services.In the last two decades Bangladesh has demonstrated extraordinary progress in reducing maternal and child deaths, but unfortunately, newborn mortality declined in a much slower pace and reduction of stillbirths was not even on the agenda. Fortunately, the country recently prioritized newborn survival and incorporated some priority interventions to reduce neonatal death. Improved delivery care services became one of the key strategies for improving child survival in addition to overall development of the health service delivery system.The following newborn-specific interventions are prioritized to achieve the commitment of ending preventable child deaths by 2035:Ensure essential newborn care, including neonatal resuscitation and application of chlorhexidine in the umbilical cordIntroduce and promote kangaroo mother care (KMC) for premature and low birth weight infantsEnsure proper management of newborn infection with antibiotics at the primary care levelsEstablish specialized newborn care unit at the sub-district and district levelEnsuring delivery by skilled birth attendants at the community levels and establishing an effective referral linkage to ensure continuum of care from community clinics to the sub-district, district and higher level hospitals—which can provide round the clock emergency obstetric and newborn care—are actions incorporated in the declaration. These give a clear indication of the government vision on integrated approaches to improve maternal and newborn health.Intra-partum complication, prematurity-related complications and newborn sepsis are the major causes of newborn death is Bangladesh. Without integration of maternal and newborn health we cannot reduce mortality especially due to the fact that intra-partum complications and prematurity-related complications together cause 67% of all newborn deaths in the country. Bangladesh recently scaled up the Helping Babies Breathe initiative and that is a unique example of integration of maternal and newborn health.Every year in the first day of life, 28,100 newborns of Bangladesh die indicating the importance of integration of maternal and newborn services in pursuit of quality of care.This post originally appeared on the Healthy Newborn Network Blog and has been lightly edited.Share this:
ShareEmailPrint To learn more, read: Posted on April 11, 2017May 8, 2017By: Sarah Hodin, Project Coordinator II, Women and Health Initiative, Harvard T.H. Chan School of Public HealthClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)Every woman around the world has a right to receive respectful maternity care. The concept of “respectful maternity care” has evolved and expanded over the past few decades to include diverse perspectives and frameworks. In November 2000, the International Conference on the Humanization of Childbirth was held in Brazil, largely as a response to the trend of medicalized birth, exemplified by the global cesarean section epidemic, as well as growing concerns over obstetric violence. Advocates emphasized the need to humanize birth, taking a woman-centered approach.The concept of “obstetric violence” gained momentum in the global maternal health community during the childbirth activism movement in Latin America in the 1990s. The Network for the Humanization of Labour and Birth (ReHuNa) was founded in Brazil in 1993, followed by the Latin American and Caribbean Network for the Humanization of Childbirth (RELACAHUPAN) during the 2000 conference. In 2007, Venezuela formally defined “obstetric violence” as the appropriation of women’s body and reproductive processes by health personnel, which is expressed by a dehumanizing treatment, an abuse of medicalization and pathologization of natural processes, resulting in a loss of autonomy and ability to decide freely about their bodies and sexuality, negatively impacting their quality of life.Disrespect and abuse (D&A), a concept closely related to obstetric violence, has been documented in many different countries across the globe. In a 2010 landscape analysis, Bowser and Hill described 7 categories of disrespectful and abusive care during childbirth: physical abuse, non-consented clinical care, non-confidential care, non-dignified care, discrimination, abandonment and detention in health facilities. A 2015 systematic review updated this framework to include:Physical abuseSexual abuseVerbal abuseStigma and discriminationFailure to meet professional standards of carePoor rapport between women and providersHealth system conditions and constraintsSome evidence suggests that ethnic minorities are at greater risk of experiencing D&A during facility-based childbirth. Other factors that might influence a woman’s risk include parity, age and marital status. Women who have experienced or expect mistreatment from health workers may be less likely to deliver in a facility and to seek care in the future.Respectful maternity care (RMC) is not only a crucial component of quality of care; it is a human right. In 2014, WHO released a statement calling for the prevention and elimination of disrespect and abuse during childbirth, stating that “every woman has the right to the highest attainable standard of health, including the right to dignified, respectful care during pregnancy and childbirth.” WHO also called for the mobilization of governments, programmers, researchers, advocates and communities to support RMC. In 2016, WHO published new guidelines for improving quality of care for mothers and newborns in health facilities, which included an increased focus on respect and preservation of dignity.While a number of interventions have aimed to address this issue, many women around the world, including those living in high-income countries, continue to experience aspects of disrespectful and abusive care during childbirth. As facility-based birth and the use of skilled birth attendants continue to rise, a focus on quality and RMC remains critical for improving global maternal health.Access resources related to respectful maternity care >>Share this:
FORT ST. JOHN, B.C. – ICBC has released their numbers for the worst intersections in Fort St. John.Data posted by ICBC is as of March 31, 2018, and includes all crash types including casualty crashes resulting in injury or fatality and property damage accidents.#100 crashes – 100 St & Hwy 97N & Turning lane#91 crashes – 100 Ave & Hwy 97N & Old Fort Road & Turning lane#76 crashes – 100 Ave & 100 St#67 crashes – 93 Ave & 96 St & 96A St#63 crashes – 108 St & 109 St & Hwy 97 N & Turning lane#60 crashes – 100 St & 93 AveTo view the crash scale; CLICK HERE
West Ham goalkeeper Lukasz Fabianski is hopeful of victory ahead of their London derby with Tottenham on SaturdayAfter enduring a torrid start to the new season, West Ham goes into this weekend’s showdown at the London Stadium with three wins in their last five matches.This includes impressive 3-1 victories over Everton and Manchester United.Now Fabianski hopes that West Ham can cause another upset against their heavily fancied London neighbours Spurs.“It’s another important one, another big one against a tough opponent, but we are playing at home so hopefully with all the hard work during the week we’ll be in good form for Saturday’s game,” Fabianski told the club website.Daniel Farke, From mid-table in the Championship to the Premier League Manuel R. Medina – September 14, 2019 Norwich City manager, Daniel Farke, has taken his team from the middle of the table in the English Championship to play with the big boys in the Premier League.“I’m looking forward to the atmosphere on Saturday. I’ve always enjoyed playing against Spurs – it has a nice atmosphere to it so I’m guessing it won’t be any different.“We just have to prepare ourselves well during the week and have a good game on Saturday, and make sure that the fans will be proud and happy after our performance.“You can see that we have improved, especially playing at home and the recent results here have been very good so hopefully that will continue this Saturday.”West Ham are 15th in the Premier League table with seven points from eight games.
Langham: “The total value of the stolen property by Brower and Gordon was greater than $750 and less than $25,000.” Facebook0TwitterEmailPrintFriendly分享The Kenai Police Department have arrested two individuals in connection with a break in and burglary at the Kenai Central High School wood and metal shop that occured on December 20. As part of the ongoing investigation into the burglary, Byron G. Gordon, age 40, of Kenai was arrested for Burglary 2nd Degree and Theft 2nd Degree. Also arrested was Kevin W. Brower, age 51, of Kenai. KPD Luitenent Ben Langham: “Byron Gordon entered and remained at the Kenai Central High School wood and metal shop interior building fenced in area and property while commiting the crime of theft in the 2nd degree. Kevin Brower arrived shortly after shortly after in his vehicle and collected Byron Gordon along with a stolen welder, power tools, and other stolen property.” Brower was arrested on January 22 in connection with a burglary at the Kenai Wash and Dry according to Langham he was released and then a warrant was served for his and Gordons arrest in connection with the burglary at Kenai Central High School. Brower told investigators that he returned days later on his own, and took another welder from the school. According to Langham, Brower was found in possession of the second stolen welder during a consent search by KPD. Story as aired: Audio PlayerJennifer-on-two-arrested-for-KCH-break-in.mp3VmJennifer-on-two-arrested-for-KCH-break-in.mp300:00RPd
According to Megan Peters, Spokeswoman with AST, no foul play is suspected. AST responded and located the owner of the truck, Christopher J. Nash, age 58 of Anchorage, deceased in the trailer. Nash was transported to the State Medical Examiner for autopsy. The next of kin has been notified. Facebook0TwitterEmailPrintFriendly分享The Alaska State Troopers, Soldotna Dispatch, received a request for a welfare check on the occupant of a truck and trailer near mile 2.0 of the Hope Highway, on March 13.
Facebook Diplo Bounces Around The World For ‘Blow Your Head’ Season 2 The two-time GRAMMY winner’s music docu-series has returned after a 4-year hiatusBrian HaackGRAMMYs Aug 16, 2017 – 12:10 pm GRAMMY.comDiplo is at it again. The mega-producer and jet-setting artist has teamed back up with director Shane McCauley to bring their music documentary YouTube series Blow Your Head back for a second season after a 4-year break.The pair released a new trailer today for the second season via Diplo’s YouTube account. By way of introducing the subject matter of the series, Diplo explains that Blow Your Head is about “people creating new and innovative things with simple tools. Pure creativity, talent and expressions of youth at a time before someone tells you ‘you can’t do that.'” Email Twitter News Watch: Diplo’s ‘Blow Your Head’ Season 2 Trailer diplo-bounces-around-world-blow-your-head-season-2 NETWORK ERRORCannot Contact ServerRELOAD YOUR SCREEN OR TRY SELECTING A DIFFERENT VIDEO Feb 17, 2016 – 12:49 pm Justin Bieber, Diplo, Skrillex Win Best Dance Recording This season will see Diplo and McCauley head to a variety of locations around the world, including South Africa, Kenya, and New Orleans to investigate micro-scenes of vibrant cultural music.J. Cole Signs On For ‘Bertie County’ Documentary
Ambati RayuduIANSIndian batsman Ambati Rayudu announced his retirement from all formats of cricket after being overlooked for selection in the Indian World Cup squad for the third time. Rayudu had expressed his disappointment at being superseded by Vijay Shankar when the original Indian 15-man squad was picked. He vented his anger in a very public and sarcastic manner by tweeting that he would be watching the World Cup “with 3-D glasses’ after chief selector ascribed Shankar all-round abilities as the reason for choosing the latter over Ambati. MSK Prasad had called Shankar a 3-D cricketer, hence the taunt. When Shikhar Dhawan got injured, the selectors decided to pick Rishabh Pant as the replacement despite the Delhi wicketkeeper not having played too many ODIs and not having performed in them either. The straw that broke the camel’s back was the decision of selectors to replace the injured Vijay Shankar with Test opener Mayank Agarwal rather than Rayudu. Starting his international career in 2013, Rayudu ended up playing 55 ODI’s where he scored 1694 runs at an average of 47.05 with 10 half-centuries.
Logo of BNPBNP on Thursday alleged that prime minister Sheikh Hasina has violated the election code of conduct by holding a meeting with her party’s 4,500 nomination seekers at her official residence Ganabhaban, reports UNB.Speaking at a press conference at BNP’s Naya Paltan central office, party senior joint secretary general Ruhul Kabir Rizvi criticised the election commission (EC) for what he said playing a silent role over the matter.”The prime minister’s meeting with Awami League’s nomination seekers at Ganabhaban is a clear violation of section 14 (2) of the election code of conduct,” he said.The BNP leader further said, “The chief election commissioner is silent over such unlawful party activities at a state establishment spending public money.”He alleged that though the vehicle movement came to a halt on the roads in the areas adjacent to Ganabhaban on Wednesday due to gathering of Awami League leaders and activists, law enforcers did not take any action against them.Rizvi alleged that the law enforcers are acting as per the directives of the ruling party.He said the ruling party leaders and activists got huge legal and illegal arms over the last 10 years.Though the election schedule is announced, the BNP leader said, the commission is yet to issue any order to deposit arms to the authorities concerned as it wants to hold a ‘voter-less violent’ election.He alleged that the election commission is working to keep the field level for a particular party.Rizvi said people believe that police attacked their party leaders and activists and wounded them with bullets in front of their office on Wednesday at the behest of ruling party general secretary Obaidul Quader.He alleged the clash ensued after police ran their vehicle over their leaders and activists. “We want to know from the commission how come police ran their vehicle on people.”
Life of a travel agent! ? ?Posted by Christian Hull on Monday, April 24, 2017 Posted by SYDNEY — Only a fellow travel agent will understand the many hardships of the job. From crazy customer complaints to over-the-top demands to putting together a complicated itinerary only for the customer to end up booking online themselves, being a travel agent in this day and age is no walk in the park.But when the going gets tough, the tough gets going, which according to online personality Christian Hull is best done through a mock video that highlights all the crazy issues agents face on a daily basis. Sporting a wig and posing as a fictitious travel agent, Hull hilariously depicts several scenarios between agents and customers that often leave the former feeling frustrated, slighted or downright confused.And with Travel Agent Day in Canada coming up on May 3, the video is a delightful reminder of just how hard agents work every single day. We salute you!Watch the video here: << Previous PostNext Post >> Everything agents have to deal with in one hilarious video Travelweek Group Tags: LOL, Video Friday, April 28, 2017
Share MACKINAC ISLAND — A coalition of government and business groups on both sides of the border is kicking off a campaign to attract cruise ships to the Great Lakes.Michigan Gov. Rick Snyder and other officials attended an announcement of the “Cruise the Great Lakes” initiative this week on Mackinac Island, MI.The announcement coincides with a port of call by Victory 1, a cruise line ship that regularly tours the Great Lakes.The new marketing partnership includes several of the region’s states and Canadian provinces, plus port authorities and local tourism agencies.They say cruise ship tourism on the Great Lakes is expected to grow significantly in coming years. Eight ships were expected to visit this year, representing about 100,000 passenger port visits.Two additional vessels plan to begin operating on the lakes in 2020. Campaign planned to attract cruise ships to Great Lakes By: The Associated Press Friday, August 31, 2018 Tags: Great Lakes << Previous PostNext Post >>
Satellite operator SES has announced the certification of what it claims to be the world’s first SAT-IP converter by Inverto Digital Labs, a developer of consumer and professional broadcast reception products.SAT-IP is a new standard and trademark developed and supported by SES. With SAT-IP, satellite-delivered programmes are converted into the IP standard at the point of reception in the home. Households can therefore receive, via their wired or wireless in-home internet distribution system, the full satellite line-up on TVs and various IP-devices including smartphones, tablets, and smart TVs, with different programmes on different devices at the same time.“SAT-IP is a quantum leap in satellite reception and will make it even more competitive with other reception modes,” said Thomas Wrede, vice-president reception systems at SES. “With SAT-IP, we can fulfill the consumer need to serve a multitude of platforms at home with an excellent satellite signal quality and a variety of content. Satellite TV anywhere in the home, on tablet devices, smartphones, PCs or smart TVs: that is the revolution of SAT-IP.”
The downloading of illicit content from the internet in France is decreasing, while the consumption of legal content is growing, according to the latest survey by the Hadopi, the authority charged with implementing France’s antipiracy law.According to the survey, 78% of users now download legal content exclusively, , up from 71% in December 2011, while 15% use illegitimate sites, a lower proportion than previously. In total, 87% use legitimate sites. However, while the illicit consumption of music, images, video games and books has been decreasing, the consumption of TV shows and films is still giving cause for concern, with 21% admitting to accessing TV series from illicit sites and 24% accessing films and videos illicitly.
Swedish commercial broadcaster TV4 is due to launch a third channel, TV12, in spring 2014 focused on lifestyle and sports. The broadcaster said the new channel will broadcast the best of TV4’s existing sports output, but as part of a dedicated sports network.The news comes as TV4 today rolled out a new sports package, called TV4 Play Premium Sports, which will give viewers access to TV4’s existing sports output and C More Sports – a group of Scandinavian sports channels – via tablet, mobile and computer.TV4 said that in the coming years it plans to integrate its digital operations into its core business and to take a “leading position in the pay- TV segment on the net with a powerful enhanced consumer offering.”“We have a successful history of reinventing ourselves – and now it’s time again . By integrating the digital in our core business and continue to streamline our operations, we create power and room for growth,” said TV4 Group CEO Casten Almqvist.
*Subject to inflation increase Age 65 65 65 Benefit Period 3 years 3 years 6 years Many advisors would recommend the first policy with the 30-day elimination period, because you might not require care for long periods of time. The 180-day elimination period means you pay for an additional 150 days out of pocket before the insurance company kicks in. The additional cost is $22,500 (150 days x $150/day), and many argue it’s a poor investment because the probability of needing care for three years or longer is small. On the other hand, the 180-day elimination period (quotes #2 and #3) gives you a lot more coverage for the same premium. In effect, #2 and #3 cost $22,500 more out of pocket in exchange for $54,750 or $208,050 in additional coverage. The only way to turn the policy premium and additional out-of-pocket costs into a good investment is to require expensive, long-term care. Most of us would prefer to never have to collect a dime. Families with a member requiring years of expensive care would tell you it was one of the best investments they ever made. But insurance is not an investment; it’s a transfer of risk.The Risk of Leaving Your Spouse Penniless If a couple has enough assets to be ineligible for Medicaid coverage, a week or two in a nursing home is not the risk they should be transferring. That’s a big nuisance, not a catastrophe. The risk they should transfer is financial ruin for the surviving spouse—in other words, 90 or 180-plus days of care. Paying insurance premiums for short waiting periods is like buying a $100 deductible on your car instead of a $500 deductible. If you have an accident, you have to make up that gap out of pocket. Your insurance dollars are better spent insuring against the catastrophe, not avoiding the deductible. Today, Jo and I would opt for door #3. I have two policies: one with a 90-day waiting period and the other, 180 days. I would not recommend anything less than 90 days. My primary concern is leaving Jo with enough assets to live comfortably for the rest of her life, which could easily be 20-plus years. Paying for 90 days of care would not undo that.Family Is Not Always the Answer Why have long-term care insurance? To make sure you have enough money for the best care right until the end without depleting all of your assets. Whether your final days are at home, in an assisted-living facility, or in a nursing home is secondary. If you can pay for the most appropriate care, that decision will be based on your health and comfort, not your wallet. Many advocates of long-term care insurance actually call it “avoid nursing home insurance” because it helps pay for in-home care. Jo’s parents never thought about nursing home insurance. They could tell you every detail about their fire insurance, auto insurance, or crop insurance, but long-term care insurance was not part of their world. Without realizing it, they were committed to self-insuring. When Jo’s mom died, she was in an assisted-living facility and able to do some of her ADLs, but not all. Which reminds me—assisting with three of the ADLs requires caregivers to do heavy lifting. Don’t make the mistake of thinking a family member, particularly an aging spouse, will be able to do the job even if he or she is willing. We have a dear friend whose husband is nearing the end. She asked Jo to look at nursing homes with her since soon she’ll be unable to care for her husband without around-the-clock help, which can be more expensive than a nursing home. They have some tough financial and emotional decisions ahead. No one wants to feel they’ve let their spouse down at the end, but logically she knows he’ll receive better care than they can afford at home.No, I Do Not Sell Insurance There is a reason they call it “long-term care insurance” and not “short-term.” The exorbitant cost of health care over the long haul can wipe out a nest egg and leave a family penniless. After publishing a recent missive on annuities, several subscribers wrote kind notes saying it was the first time they’d read something on the topic not written by annuity salesman. That’s because our mandate is education—education to help you retire rich and stay that way.Money Forever gives you the tools to build, protect, and preserve your nest egg over the long haul. Without adequate planning, long-term care costs and a slew of other threats could wipe you out. Tumultuous markets aren’t the only menace. For guidance on how to protect yourself from financial jeopardy and unique investment opportunities geared to seniors and savers, sign up for a no-risk subscription to Money Forever today. A newsletter that might not fit your needs is one risk you don’t have to worry about. Try us out, and if we’re not your cup of tea, we’ll refund 100% of the cost without hassle or headache.On the Lighter Side This season marks the 100th anniversary of Wrigley Field. They’re celebrating a different decade with each home stand, and this week it’s the 1930s. In 1932 the Cubs and the New York Yankees were in the World Series. Of course, the Cubs lost. Babe Ruth came to bat, and the pitcher got two quick strikes on him. The team and fans were giving him a hard time. He pointed his finger—some say at the pitcher, but legend has it he was pointing out to center field. The next pitch came whizzing in to the plate, and he hit a blast deep into the seats where he’d pointed. The mighty Babe had struck again and became even more famous for calling his shot. What a treat it was last week when the Cubs invited his daughter, who’s in her late 90s and legally blind, to come lead the fans singing Take Me Out to the Ball Game. Listening to her was a real treat. And finally… Over the last few weeks, young men and women all dressed up for prom enjoyed themselves at local restaurants. Now the graduation season is upon us. I wish all the graduates the best of luck as they pass this important milestone. It seemed like the blink of an eye before we were celebrating our 50th class reunion. My oldest grandson Justin is celebrating his 10th-year reunion this year. For this week’s funnies, I thought I would pass along a cute cartoon. Until next week… Risk Class Preferred Preferred Preferred We’d all been waiting for the big day, but the chapel the ceremony took place in was very small—just a room with Christian symbols and a few chairs. Jo’s father was waiting for us in his hospital bed, grinning from ear to ear. Despite the feeding tube, he still managed to devour a few bites of our wedding cake. Parkinson’s is a powerful disease; it can take the sturdiest tree in the forest and wilt it like an aging rose. Yes, Jo and I got married in a nursing home chapel. Little did we know that we would spend the better part of the first 18 years of our marriage dealing with nursing homes and assisted-living facilities for both sets of parents. Constant care is expensive. Jo’s father didn’t have long-term care insurance, and in 1988 his care cost close to $3,000 per month. Fortunately, he and my mother-in-law had the money to pay for it. It’s frightening to imagine a time when you can no longer bathe, dress, eat, transport yourself, or hold your bladder and bowels. In insurance-speak, those are called “activities of daily living” (ADLs). Mercifully, not everyone reaches that point. However, two out of three Americans over age 65 will need some form of long-term care during their lifetime. That might mean home health care or moving to an assisted-living facility or a nursing home. Regardless, it’s pricey. Nationwide, the average cost of a single-occupancy room in a nursing home is $6,653 per month. Home care averages $3,432 per month; assisted living, 3,300; and adult day care (which sounds just awful), $1,322. Years of paying those costs can spell financial ruin for an aging couple—the surviving spouse in particular. My aunt spent close to 10 years in a nursing home with Alzheimer’s disease before she passed away. Her long stint is not at all unusual. While most patients live an average of 4-8 years after an Alzheimer’s diagnosis, many live as long as 20.Medicaid Is Not the Solution While Medicaid will pick up the tab for lower-income people, the income and asset limits to qualify are quite stringent. While the rules vary from state to state, a helpful rule of thumb is that an individual must make less than 300% of the Supplemental Security Income limit, or $2,130 in 2013, and have less than $2,000 in countable assets to qualify. Although your home (up to a certain amount of equity) is not normally a countable asset, many if not most of our readers don’t fall in this camp. After a recent chat on long-term care insurance with financial guru David Holland on his radio show, David told me anyone choosing to self-insure should have at least $2 million in liquid assets. Even then, it’s risky. One of my biggest fears is needing long-term care, having the ability to pay for it, depleting our assets, and leaving Jo flat broke. So where does that leave people unlikely to qualify for Medicaid but unable or unwilling to self-insure? Long-term care insurance, of course.Opt for the 180-Day Elimination Period Buying any type of insurance means transferring some type of personal risk to an insurance carrier. Clearly defining the risk you want to transfer and then tailoring a policy to best accomplish that goal is critical to getting the best value. David Holland generously shared some quotes to help illustrate this point. While there are countless long-term care options available today, we’re going to keep this example simple. Mary Sample is age 65. She wants a policy paying $150 in daily coverage with some inflation protection. Name Mary Sample Mary Sample Mary Sample Total Premium $6,415.20 $6,415.20 $6,375.51 Benefit Amount $150* daily $200* daily $170* daily Policy Limit $164,250 $219,000 $372,300 Home Care Benefit $4,500 $6,000 $5,100 Elimination Period 30 days 180 days 180 days Benefit Selection Quotation 1 Quotation 2 Quotation 3 Inflation Option 5% compounded 5% compounded 5% compounded
Marian Smith somehow missed getting a flu shot this year, which is unlike her — in the past, she always got one.The 58-year-old Washington D.C. resident says it was easier to remember to get it when the vaccine was provided at a clinic at work. But now the clinic is a bus ride away, and getting the shot wasn’t at the top of her mind.”Of course, I could get it right here at the grocery store,” Smith tells NPR, as she rushes to pick up her lunch. “But I just didn’t get it — I don’t know, I can’t tell you why.”Maybe a reminder from her doctor would have been the nudge she needed. A review study published by the Cochrane Library this month suggests that reminding people when their vaccinations are due or overdue increases the number of people who get immunized.The team of researchers reviewed 75 studies from 10 countries. Fifty-eight were performed in the U.S.; the remainder were conducted in Australasia, Europe and Africa.The research looked at reminders — via phone calls, texts, email, or post cards — for routine immunizations in infants and children, including MMR (measles, mumps, rubella) and polio. The scientists also reviewed 24 studies of influenza vaccination in adults, and several studies of vaccination rates for routine adult vaccines against other illnesses, such as tetanus and hepatitis B.Overall, the scientists say, about 8 percent more people got their vaccination after getting a reminder compared with those who got no reminder. Similar results were found among studies of children and adults.That may not sound like a lot, the researchers say, but when you consider the population of the U.S., it means many, many infants, children and adults might benefit from a reminder.”All types of patient reminders and recall are likely to be effective,” says Julie Jacobson Vann from the University of North Carolina at Chapel Hill School of Nursing, who led the Cochrane review.But the most effective reminder, she says, was the “old fashioned telephone call — where somebody personally calls someone and lets them know about the benefits of vaccinations, and invites them to come in and be vaccinated.”The next best reminder? Snail mail or a text message.Reminders might be particularly useful for flu shots. While about 90 percent of children are immunized against the most common childhood diseases, that rate sharply drops when it comes to annual vaccinations again influenza. And roughly a third of adults over 65 don’t get the annual shot; they can be at even greater risk of severe complications from the flu than kids.The vast majority of flu-related hospitalizations and deaths occur among people 65 and older, Dr. William Schaffner, an infectious disease specialist at Vanderbilt University Medical Center in Nashville, Tenn., points out.Fortunately, Schaffner says, there are now two vaccines specifically formulated for older adults.”They give more punch to the immune system,” he says, “stimulating it to work better and therefore you get more benefit from the vaccine.”Medicare also covers the cost of the flu vaccine. “All you have to do is roll up your sleeve,” Schaffner says. “Nobody reaches into your wallet — it doesn’t cost you a penny.”But you do have to remember to get the shot before you’re exposed to the flu.Schaffner suggests that the findings of this new analysis, along with the increasing use of electronic medical records, which can make it easy to keep track of vaccinations and send out reminders automatically, should encourage more doctors and healthcare providers to give their patients the helpful nudge many need. Copyright 2018 NPR. To see more, visit http://www.npr.org/.