Month: October 2017

10 Tips On Dealing With Collection Agencies

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10  Tips On Dealing With Collection Agencies

D. S. Mitchell

Economic times have improved around most parts of the country, and the future is now optimistic. However, many people over the last several years experienced some very hard financial times. Many of those delinquencies remain unpaid and there are collection agencies who are still pursuing payment on those accounts. If you are in such circumstances the collection calls continue. It is important to remember, every citizen has legal rights when dealing with collection agencies. After a conversation with my long time friend Ed McKee, owner and senior broker of EME Funding services, Portland, OR he offered the following tips to pass on to my readers. Here are Ed’s 10 tips to help keep you from getting ripped off.

RULES FOR HANDLING COLLECTION AGENCIES:

1.) Realize that collection agents usually work on commission. So, obviously, the more money they get you to pay, the larger their paycheck.
2.) Please do not argue with the agent. Such behavior will not help. Stay calm and state your case clearly and succinctly. 3.) Don’t ask to speak to the agent’s supervisor. The supervisor got his or her job because they were good at collecting the most money. 4.) Never give information over the telephone. If it is an authentic collection agency they already have all the information they need. 5.) Use Money Orders or Certified funds to make all agreed payments. 6.) Keep records of everything. Make sure that anything you send through the mail has a return receipt. 7.) Make sure that you get written confirmation of any negotiated pay offs. 8.) Never accept the collection agent’s first offer. They will always call back with a better offer. Remember, nobody at the collection agency gets paid until you send in the money. 9.) Use strong sentences, “This is all I can afford to pay.” “This is all I will pay.” 10.) You will eventually want to repair your credit, during that process keep all correspondence between your credit repair service, and keep all copies of credit reports.

If you are currently experiencing tough times, or you have in the past, and are still dealing with collection calls, hopefully this short list will give you the basic information you need to keep as much money in your pocket as possible.

Calamity Politics is an on-line news magazine focusing on a progressive agenda. Join us regularly for hot headlines from the major news services, caustic comment and opinion.

Join the Resistance.

Dar

An Obligation To Preserve Health Care

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The Obligation To Preserve Health Care

D. S. Mitchell

The Trump administration seems bent on destroying health care in America. Despite promises to “guarantee health care for all” while on the campaign trail, Trump has moved back to the GOP corner, now calling for Repeal and Destroy.

Open enrollment for the ACA (ObamaCare) starts on November 1st and extends through December 15, 2017 for health care policies starting January 1, 2018.  I would wager that a large part of Americans are unaware of these important approaching dates.

Why wouldn’t they know?  The problem comes from the Trump administration’s dramatic cut backs on efforts to tell people about deadlines and other matters related to the ACA.  The strategy is to openly sabotage the national health care system. Americans should be given time to check their current coverage and make health care decisions to avoid being trapped in a policy they don’t like, or in a policy that no longer fits their needs.

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Plastic Is Killing Our Oceans

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Plastic Is Killing Our Oceans

D. S. Mitchell

Plastic is one of the most common materials in our daily lives. We eat and drink from it. Stuff is packaged in it, stuff is shipped in it. If current practices continue plastic dumping into the ocean is expected to double by 2025. That’s only seven years from now!

Ninety seven per cent of the Earth’s livable habitat is found in our oceans.  The oceans of the world are home to more than 700,000 known species and they generate more than half of the oxygen that we as living organisms breath.  Something must be done soon. We are standing by, seemingly paralyzed, as our oceans are becoming the biggest waste dump in the world. Our oceans are choking on plastic. We dump the equivalent of one garbage truck of plastic into the ocean every minute of every day, non-stop.

We produce more and more throwaway plastic garbage, much of which we don’t really need. Recycling projects are failing to keep up with the threat. Plastic pollution is quickly transforming our seas into the biggest waste dump on the planet.

Plastic does not break down naturally. Things that had a useful life of just a few minutes or hours remains in the environment for 100’s of years.  These plastics kill ocean wildlife and enter the food chain, as plastic breaks down into smaller and smaller pieces. Plastic bags, cosmetic micro-beads and other types of plastic trash have spread throughout the ocean, from the surface to the deepest ocean canyons. Plastic debris washes back on to our beaches creating an ugly reminder of this ongoing environmental disaster.

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Let’s Walk, Run, and Bike

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Let’s Walk, Run, And Bike

D. S. Mitchell

Our society is becoming more sedentary and overweight. Many of us spend hours behind a desk at our jobs.  We drive our cars to the fast food drive thru, never even getting out of our cars.  We use our computers to shop, without ever leaving the house.  With decreased activity people are increasingly complaining of posture related aches and pains, depression, anxiety and low self-esteem.

Just like we enjoy eating and drinking too much, we enjoy sitting too much. We are surrounded by cars, snacks, elevators, sugary drinks and fast foods. The problem has become serious enough that the World Health Organization has a new agenda focused on encouraging physical activity.

A “Black Dog Institute” of Australia study found that 1-2 hours of exercise per week can prevent depression. In addition to improved mental health multiple world-wide studies have shown that vigorous movement can stave off heart disease, stroke, high blood pressure, fatigue, diabetes and even cancer.

Our country, and most of the industrialized economies are suffering from a “sitting disease”.  Physical inactivity is one of  the top 10 causes of disease and disability according to a recent UK government study. That study attributed 1 in 6 deaths to “sitting” which is equal to smoking in that country.

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How To Safely Dispose Of Medications

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How To Safely Dispose Of Medications

D. S. Mitchell

I was getting packed for my third move in two years. I know, too many, too often, but it was a strange set of circumstances and not worth talking about here. Usually I just go into the bathroom and dump the drawers into a box and then sweep the contents of the cabinet shelves into another box, and voila, the bathroom is packed. But, I picked up the first bottle, a bottle of Aspirin and glanced at the expiration date. Holy Moly, it had expired three years ago. That knowledge shook me up a bit. The next bottle, a prescription for Flexeril, was outdated by 10 months.  I was two for two. Not good. Next,  was a bottle of cough syrup, expired the previous year. I was batting 100%.

If your medicine chest is full of outdated medications or medications you no longer need and you are wondering how to dispose of them I have some information for you.  The best option is to use community-based drug disposal programs. Go to the DEA (Drug Enforcement Agency) website, dea.gov and use their search tool to find an authorized drug disposal collector in your area.

If you don’t find a program in your area call your local police department or country sheriff. Often these law enforcement centers have disposal programs. As a last resort you may be forced to dispose of them yourself. Please do not flush down the toilet, or sink. These toxins are dangerous to animals, fish and water systems.

Many medications include specific disposal instructions, please follow any specific disposal instructions. The FDA advises that if there are no disposal instructions, do as follows: If the medication is tablets, crush thoroughly. If medication is capsules, open capsules and release contents.  1). Mix medication with used coffee grounds, kitty litter or dirt/sand to disguise the medication making it less desirable to children, pets and drug seekers. 2). Place the mixture in a sealable bag, empty can or other container to prevent the medication from leaking out of the garbage bag. 3) Be sure to obliterate any personal information on the prescription bottle to protect your identity and health information.

In my case, when it was all said and done, I had a shopping bag full of outdated and unneeded medications. I guess I am a “closet” hoarder. Or, just inattentive. I decided to call my local police department and see if they had a disposal program.  The answering officer said they did indeed offer a safe disposal program. I took my bag of meds into the cop shop where an officer dumped them into a secured bin. The officer told me the drugs “would be incinerated.”

Hope this little piece of life experience helps you think before you just toss medication into the trash, or flush it down the toilet. Be a good citizen, dispose of drugs responsibly.

Calamity Politics is an online political news magazine offering, comment, analysis and opinion. We admit to a progressive agenda. Join the Resistance.

Dar

 

 

Part VII: Behind The Curtain

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Part VII: Behind The Curtain

D. S. Mitchell

At the end of Part VI it was January 11th and Donald Trump was holding his first press conference since his Electoral College win. Trump stood to one side of the stage, flanked by Donald Jr 39, Ivanka 35, and Eric 33, listening to his tax attorney, Sheri Dillon explain to the audience of reporters and staff, the changes that were being made to the Trump Organization.

The stage with a center podium was decorated with solemn dark blue drapes and a row of American flags with long gold tassels giving the event a sober tone. On a black shrouded table, to the left of where Dillon stood at the podium, were stacks of manila folders. The stacks were impressively high. Pointing to the stacks of folders, Dillon claimed they were filled with 1000’s of documents proving that Trump was re-arranging his empire to satisfy the growing chorus of critics.

Dillon claimed the Trump “business empire” was “massive”. She emphasized massive several times. A couple of times Dillon tried to draw a correlation between Trump and former Vice President, Nelson Rockefeller as she talked about the changes being made at the Trump Organization. Evidently, she did not know that Rockefeller had released his tax returns and later offered to place his sizeable assets in a blind trust. Neither of which Trump has offered to do.

“The plan” was, according to Dillon, to put the Trump Organization into a trust to be managed by his sons and a long time executive. She emphasized that there would be no more foreign deals, an ethics advisor would be chosen and lastly, Donald Trump would have no involvement in the business. It quickly became clear that Trump was not going to sell his business or put those assets in a blind trust, or release his tax returns.

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Warning Signs Of Stroke And Heart Attack

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Warning Signs Of Stroke And Heart Attack

D. S. Mitchell

I opened a donation request letter today from the American Heart Association. In that request letter was a sheet of paper listing the warning signs for both Heart Attack and Stroke. Remembering that Tom Petty just died of cardiac arrest, I thought it was valuable information and I should pass it on.

Some heart attacks are sudden and intense, but most of them, according to the AHA, start slowly, with mild discomfort. Don’t ignore the following warning signs, you could be having a heart attack.

HEART ATTACK WARNING SIGNS:

Chest discomfort. Most heart attacks involve discomfort in the center of the chest that lasts more than a few minutes, or that goes away and comes back. The feeling is often described as  “pressure” “squeezing” or a “fullness” in the chest.

Other signs. These signs may include cold sweats, nausea & vomiting or light-headedness.

If you or someone that you are with is having any of the noted symptoms call 911 immediately. It is imperative that you get medical attention quickly. If you are unable to access EMS have someone take you to the hospital. Don’t drive yourself unless you have absolutely no other choice.

Stroke is a medical emergency.Every second matters, because time lost is brain lost. Watch for the following warning signs,

STROKE WARNING SIGNS:

  • Sudden weakness or numbness of the face, arm or leg, especially on one side of the body.
  • Sudden confusion, trouble speaking or understanding
  • Sudden vision disturbance in one or both eyes
  • Sudden trouble walking, dizziness, loss of balance or co-ordination
  • Sudden severe headache without a known cause

If you, or someone you are with, is experiencing one or more of the signs of stroke act immediately. Time is of the essence. Call 911 or EMS to have an ambulance with advanced life support come to your location. Be sure to check the time, so you will know when the first symptoms appeared. Quick action is essential. If given within three hours of the onset of symptoms a powerful clot-busting drug which can be given that potentially will reduce long-term disability for the most common type of stroke.

Calamity Politics is a progressive on-line political magazine that features headline news from around the world. Join the Resistance.

Dar

Thinking Tiny?

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Thinking Tiny?

D. S. Mitchell

If you have ever watched “Tiny House Nation” or “Tiny House” you have seen a growing trend in the United States toward minimalist living. Many people are attracted to the prospect of financial freedom, a simpler lifestyle, and a smaller human environmental footprint.  The downsize revolution promotes living structures with sizes between 300 and 700 square feet. In general, the tiny home is 400 sq. ft or less. In some cases, the homes are even on wheels. Despite the stated positives, they are not for everyone.

Small does not necessarily equate with cheap. A tiny house can cost anywhere from $10,000 to $150,000. Holy Moly. The cost is dependent on a series of factors: location, building complexity, materials, and finally are you doing it yourself, or are you having it built. A contractor construction package will generally cost twice as much as a “do it yourself” house.

Not always identified, but a serious matter, are the extra building costs for appliances, fixtures, water heaters and heating & cooling systems because of their reduced size. The rule it seems is that the smaller, the more expensive. It is important that you do some very careful figuring before you commit yourself to building a tiny home. One recommendation would be to get a minimum of three bids. Many builders  do sizeable markups on small projects.

Before you decide to DIY you need to understand that construction of a tiny home can take from three to six months if you are working at it full-time. When taking on such a project you should take into consideration that while you are trying to save money on contractors you need to account for the money you won’t be earning while you are acting as your own contractor. And, unless you are an experienced carpenter the frustration and potential areas of significant error should be added into your equation. Weigh those pros and cons carefully.

There are pre-fab tiny homes being made, but this is a case where buyer beware. Avoid potential pitfalls by making sure the NOAH (National Organization of Alternative Housing) certifies the plan and the builder. Things like windows, framing, roofing, insulation, become very expensive if you need to go back and fix things done incorrectly the first time.

I know it looks like fun, and even exciting when seen on TV, but before you commit the time, energy, and money required to build a tiny house, please do some big time research. Self education is essential before you go tiny. This should not be a decision made one Sunday night after watching a television show. There are books, magazines, videos, workshops and even Facebook groups which provide excellent information.

I saw one article where the writer recommended that anyone considering building a tiny home to try it out first. I thought that was a great idea. You can rent tiny cabins all over the country. Give it a try. For at least a week, I would suggest. And bring a lot of stuff with you, and remember, this tiny space could potentially be your full time home, with all of your junk, and the necessities, that go with actually living in a home.

I can imagine a lot of people loving their tiny home and never wanting to go back. However, I can also visualize a significant number of people not adapting well to the smaller lifestyle, and regretting their purchase. Please, don’t be a regretter, be a planner, be a student, before you build.

Have fun. Even if you don’t decide to go “tiny” you will have learned a lot about the industry,  yourself, and your needs.

Calamity Politics is an on-line progressive news magazine. Please join us, mostly daily, for updates on the current events. Join the Resistance.

Dar

29 Things To Make You Smile

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29 Things To Make You Smile

D. S. Mitchell

Sunday morning and Trump has slammed Senator Bob Corker and Corker slammed back. Tillerson is still denying he called the President of the United States an “‘effing moron”. Vice President Pence leaves Colt’s Game in Protest of the Protesters. Nate brings high water to Biloxi, MS. North Korean bomb test shakes China city. Movie producer Harvey Weinstein has sexually harassed women for 4 decades.

I could go on, but before I get any more irritated it is time to think of all the things that make me smile. Join me for a moment to reflect on the sweet and simple things in life.

  • Beach grass whipped by the wind
  • The crackle of Autumn leaves beneath my feet
  • The feel of cotton against my skin
  • Electric BBQ’s
  • Donating blood
  • A dash of Irish Cream in my morning Cappuccino
  •  Soldiers in their dress uniforms
  •  Children’s handmade cards
  •  Ed Sheeran’s “The Shape Of You”
  •  The shape of water
  •  Looking through freshly cleaned windows
  •  Montana’s endless skies
  •  Roller skating at Oaks Park, Portland, Oregon
  •  Paddle wheel river boats
  •  Finding that lost earring
  •  Homemade Clam Chowder and Cheese Bread
  •  Letters to the Editor
  •  Antique car shows
  •  A freshly cleaned garage
  •  NetFlix
  •  Cashmere and tweed
  •  Halloween’s “Haunted House”
  •  The thinnest, crispiest french fries
  •  A new supply of business cards
  •  Lunch with Mom
  •  A February 29th birthday
  •  Dancing cheek to cheek
  •  Random acts of kindness
  •  Circular driveways
  • That’s it. Hope you took a minute from the insanity of the 24 hour news cycle, put up your feet and smiled at a few simple things in life.

    Calamity Politics is a progressive news magazine dedicated to human rights, universal health care, elimination of the Electoral College and restoration of Democratic control of the Congress and the White House. Join the Resistance.

    Darlene

Get Ready To Grab & Go

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Get Ready To Grab & Go

D. S. Mitchell

I love AARP magazine. It is loaded with information for the young, and the old.  The October 2017 issue was loaded with a bonanza of knowledge. I thought Jeff Rossen did a great job of telling the public how to put together a “go bag.” A “go bag” is exactly what it sounds like; a bag or backpack, or suitcase (he recommends one on wheels) packed with life essentials.

Be ready for an emergency.  You never know when such events will occur. The recent hurricane evacuations highlight our need to be ready for such events, day or night. In the last month we have seen the devastation and chaos caused by Harvey, Irma and Maria.  It can happen anytime, anywhere.  In my little corner of the world, the North Oregon coast, we are subject to evacuation orders because of tsunamis, earthquakes, fires, floods and even a rare tornado.

No matter where you live there is always the possibility that you will be forced to move quickly out of harm’s way. Not all incidents of danger are natural in cause, often these tragedies are man made disasters, such as toxic spills. The idea is that you can, in some small way, help yourself by preparing an emergency “go bag”. In a true emergency you will be under extreme pressure and critical evacuation time can be lost as you race around the house looking for medications and other supplies. So, do yourself and your family a favor, and pack for survival.

Rules For Your “Go Bag”

Rule #1: Pack a “go bag” for every member of the household including your beloved pet, and keep them together in an easily accessible place. **Remember there is a possibility that not all family members will leave together.

Rule #2: Basic electronics. Pack an extra phone charger if you are lucky enough to have electricity and a portable battery pack if you do not have such good fortune. A long-lasting LED flashlight. A small hand cranked or battery operated AM/FM radio with extra batteries.

Rule #3: Personal needs: Make a list of all the toiletries you use daily, and really think about what you will need in an emergency evacuation, and buy travel sized versions of each. Make sure to pack an extra pair of eyeglasses if you wear them and a pair of  sunglasses. A small first-aid kit, sanitary wipes, a couple Bic lighters, a multi-purpose “Swiss army” tool so you have at least a knife and a can opener.

Rule #4: Clothing. Think in days (three to four max). Think in layers (that you can add, or remove).  Lightweight rain gear, gloves, knit cap and waterproof shoes and boots.

Rule #5: Medications. The article suggests 3 days worth of each of your medications. I pack 7 days of medications. That choice is up to you, but be sure that you have at least a small cache of each of your meds. If you have large items, ie oxygen tanks get a portable version for emergency situations.

Rule #6: Paperwork. Fill a zip lock waterproof bag with photocopies of your birth certificate, driver’s license, power of attorney, marriage, adoption or naturalization certificates, proof of address, insurance, medical and immunization records, Social Security and Medicare cards, and info about credit and ATM cards.

Rule #7: Food and drink. Several bottles of water are imperative. Dehydrated survival packets are a good option (which are easy to buy on-line), or even granola bars.

Rule #8:  Cash. Must have at least enough cash for a duration of several days. (The last severe gale that we had in my area the bank machines were down for several days). Make sure that you have small bills and even a roll of quarters for vending machines for when you have access to them.

Rule #9: Pet go bag.  Pets become excited when we show stress and urgency. Cats and dogs may run and hide and refuse to co-operate with entrapment. If that is the case, you must save yourself and your family, and sadly that means you will need to leave the pet. However, other pets, especially dogs will want to stay close. If you have a dog or other animal that is co-operative, take the animal. The go bag for your pet should include any medications your pet takes on a regular basis, 5 lb bag of dry food, a bag of treats, multiple bottles of water, a leash, a collar, veterinary history in a zip lock bag, a familiar blanket and a toy.

Beyond the to “go bags” I always carry in my car, a sleeping bag, 2 blankets, a pillow, and a Costco 48 pack of bottled water. (I used to live in Montana and these are essentials).

In the garage I always have a full 5 gallon can of gas.

A little preparation goes a long way in a real emergency. Take some time and put together the “go bags” for your family. The several hours you spend on this task could pay off big time by saving your life and the lives of those that you love.

Calamity politics is a progressive news magazine that attempts to present interesting and topical information to a progressive audience. Join the Resistance.

Dar