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Dr. Owusu Kizito’s New Book “Lived Experiences Of Home Foreclosures Consequences On Mental and Physical Health” Is A Researched Work On The Effect Of Home Foreclosures

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Recent release “Lived Experiences Of Home Foreclosures Consequences On Mental and Physical Health” from Page Publishing author Dr. Owusu Kizito is both informative and enlightening; this work details the magnitude of the impact of losing one’s home.

(PRWEB) June 30, 2015

Dr. Owusu Kizito, an experienced banker, consultant, financial analyst, project manager, analytical expert, president and CEO of Investigroup Companies, tax expert, writer and now author, has completed his new book “Lived Experiences Of Home Foreclosures Consequences On Mental and Physical Health”: a study of the experience of home foreclosure and the effect it has on the person.

Published by New York City-based Page Publishing, Dr. Owusu Kizito’s in-depth research offers solutions to helping those who are going through losing a home.

According to the author and book, the rising rate of home foreclosures which stands at approximately 1 in 92 households in the United States has raised a national alarm. Medical issues account for approximately half of all home foreclosure filings and it appears that approximately 1.5 million American homeowners could lose their homes to foreclosure every year. The qualitative phenomenological study involved investigating the lived experiences of the consequences of home foreclosures on the physical and mental illness of northern New Jersey homeowners. The research questions asked included what were the lived experiences of physical and mental health decline following home foreclosure and how did the participant’s perceive the effect it had on their family members?

Four core themes were revealed from the study. The four themes included are as follows: foreclosure process resulting in hospitalization of family and foreclosure associated with the lack of family’s health insurance, family health and the foreclosure process, and foreclosure and the negligence of doctor’s prescription, foreclosure as perceived loss of money and finally homeownership, displacement and housing instability as a reason for depression. The current phenomenological research study of the lived experiences of home foreclosures on twenty-five homeowners in the process of foreclosure has added to the body of knowledge because it highlighted the stressors, reasons, and causes. The study provides a framework for local practitioners and decision makers in identifying the consequences on the physical and mental health of the participants and their families and providing a workable foreclosure response system.

Readers who wish to experience this educational work can purchase “Lived Experiences Of Home Foreclosures Consequences On Mental and Physical Health” at bookstores everywhere, or online at the Apple iTunes store, Amazon, Google Play or Barnes and Noble.

For additional information or media inquiries, contact Page Publishing at 866-315-2708.

About Page Publishing

Page Publishing is a traditional New York based full-service publishing house that handles all of the intricacies involved in publishing its authors’ books, including distribution in the world’s largest retail outlets and royalty generation. Page Publishing knows that authors need to be free to create - not bogged down with complicated business issues like eBook conversion, establishing wholesale accounts, insurance, shipping, taxes and the like. Its roster of authors can leave behind these tedious, complex and time consuming issues, and focus on their passion: writing and creating. Learn more at http://www.pagepublishing.com. Reported by PRWeb 1 hour ago.

For Sens. Paul And McConnell, A Humana Sale Means More Obamacare Angst

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Of all the health insurance companies talking mergers and consolidations, the one most likely to sell itself is Humana (HUM), a giant employer and corporate icon in Louisville that has already been the subject of multiple reports that it has engaged an investment banker to explore its options. And that’s not [...] Reported by Forbes.com 21 hours ago.

SimplyInsured, A Health Insurance Platform For Small Companies, Scores $5.9M Series A

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 SimplyInsured, which helps small businesses compare and purchase employee health insurance plans, has closed a Series A of $5.9 million led by Polaris Partners, with participation from Bessemer Venture Partners, Altair.VC, Corazon Capital, and individual investors. Read More Reported by TechCrunch 20 hours ago.

India Network Announces Accessibility of First Health PPO Nationwide Network for Visitor Health Insurance Plan Participants Effective July 1, 2015

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India Network Visitor Health Insurance program chooses First Health Network as its Preferred network provider for its comprehensive insurance program. First Health provides national coverage in all 50 states and Puerto Rico.

Orlando, FL (PRWEB) June 30, 2015

India Network Foundation today announced a new PPO network, First Health, an indirect, wholly-owned subsidiary of Aetna, Inc. for its visitor health insurance plans that provides coverage for visitors to the United States. The First Health Network provides an excellent network of providers nationwide to enable visitors to obtain services from most experienced health care professional close to their location.

One important factor in choosing First Health Network is its policy of direct contract with providers who readily recognize the First Health logo and provide the necessary care to covered policy holders. India Network Health Insurance Plan offers two kinds of plan designs to help visitors cope with their unexpected sicknesses and accidents during their visit to the United States. The fixed benefit plans offer a cost-effective insurance coverage for all ages with pre-existing coverage options.

India Network Visitor Health Insurance are underwritten by ACE American Insurance Company and claims are processed in the United States by Administrative Concepts. India Network do not have any offices in India and do not market its plans through agent network. These specialized plans are offered only through India Network Health Insurance web sites and can be utilized any one visiting the United States irrespective of their national origin. Online enrollment process make it easy to complete and obtain the coverage before leaving the country.

India Network's comprehensive health insurance plan offers excellent benefits for both pre-existing and new medical conditions for all ages. First Health Network provide superior network of doctors and hospitals nationwide with benefit of direct contract billing prices. First Health PPO network includes more than 5,000 hospitals, over 90, 000 ancillary facilities, and more than one million health care professional locations around the United States. India Network Health Plan participants may seek medical assistance at the nearest health care facility in case of emergencies without any penalty. India Network caters to health insurance needs of most visitors traveling to the United States from Indian subcontinent who may be visiting the United States to attend family functions or spend time with their children and grandchildren.

Dr. KV Rao, India Network Foundation President said that India Network visitor health insurance program participants of all ages immensely benefit from First Health Network's nationwide coverage and impressive customer service. First Health has been around and well known among providers whether it is a hospital or a solo practice. First Health has a very high retention ratio of providers and hospitals that demonstrates mutual benefits reaped by both providers and policy holders.

About India Network Foundation
India Network Foundation, established as a US non-profit organization, has been helping the Asian Indian community in North America with programs and grants to academics from India for more than two decades. India Network Foundation sponsors visitor health insurance to tourists, students, temporary workers (H1 visa holders) and their families. All insurance products are administered by India Network Services.

For more information, visit http://www.indianetwork.org.

About India Network Health Insurance

India Network Services is a US based company that administers visitor health insurance to visiting parents, transient residents, tourists, students, temporary workers and their families. Cashless Visitor health insurance plans are offered for all age groups with network based comprehensive coverage and with pre-existing condition coverage
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For more information, visit http://www.kvrao.org. Reported by PRWeb 20 hours ago.

Wonkblog: How new drugs helping millions of Americans live longer are also making them go broke

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If you pay for good health insurance, shouldn’t you be able to afford the medicine you need?For Kristin Agar, a 63-year-old social worker in Little Rock, Ark., this has not been the case.In 2008, Agar began experiencing strange symptoms. Her feet swelled, her joints ached, a rash appeared on her face, and every night she would get a fever that would disappear in the morning. Reported by Washington Post 19 hours ago.

3 Tools to Reduce Employee Turnover for Your Small Business

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According to an article in The Wall Street Journal, employee turnover can cost a business more than double an employee's yearly salary. Finding and training a replacement takes financial resources as well as management time and energy. Additionally, turnover often hurts morale.

Experts agree that the best way to deal with employee turnover is to prevent it. Here are three HR solutions to help you keep employees happy and reduce turnover in your small business.· *An Effective Hiring Strategy*

No matter how hard you try to integrate a new employee to your business, the wrong fit is just the wrong fit. Creating and implementing a hiring strategy that addresses more than just the skills of job candidates is the best way to find the perfect match for your work environment. The most skilled worker may not always be the one you want to hire. The right candidate blends well with company culture, management, and coworkers. Also, you want to make sure that your business is a good fit for the future employee. Even if everything meshes well on paper, partnerships fail without proper chemistry.· *Compensation and Benefits Packages*

Compensation is about more than money. While salary is certainly important, employees will often opt for a position that pays a little less but offers more benefits. Things like health insurance, paid vacation days, maternity leave, and paternity leave are crucial to individuals with families. People consider the entire package when making an employment decision, so you want to offer as many benefits as are feasible for your company.On a similar note, work with human resources experts to review your compensation and benefits package each year. This allows you to stay on top of industry trends and continue to maintain a competitive edge in your niche.· *Appreciation and Rewards*

Employers often overlook the importance of showing appreciation to current employees. Many workers leave their jobs because they sense a lack of gratitude from management for all their hard work. Don't let that happen to you. A simple thank-you email, bonus system, or recognition in the company newsletter are just a few examples of the ways you can show employees that they're vital to your success. A little effort goes a long way, and any rewards you invest in will be well worth the resources spent in the long-run.It's no secret to small business owners that employee turnover is a costly, timely, and frustrating issue. It takes valuable resources to find and train new employees. The process often leaves staff shorthanded and away from their daily responsibilities--resulting in loss of productivity. And when productivity suffers, revenue suffers. So in the long-run, low employee retention rates have the power to hinder the success of a business.

While some turnover is to be expected, implementing the HR solutions mentioned here is a simple, effective way to reduce turnover before it becomes a problem. Additional resources can be found in a downloadable book, "Practical Tools to Manage Costly Employee Turnover"--forms and checklists can be found in the book along with strategies you can use immediately to reduce turnover. Talk to a human resources professional to get more tips on maintaining a positive, productive workplace.

Margaret Jacoby, SPHR, is the founder and president of MJ Management Solutions, a human resources consulting firm that provides small businesses with a wide range of virtual and onsite HR solutions to meet their immediate and long-term needs. From ensuring legal compliance to writing customized employee handbooks to conducting sexual harassment training, businesses depend on our expertise and cost-effective human resources services to help them thrive. This article first appeared on the MJ Management Solutions blog.

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-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 19 hours ago.

Renaissance Dental Upgraded to “Excellent” Rating by A.M. Best

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Renaissance Dental Upgraded to “Excellent” Rating by A.M. Best INDIANAPOLIS--(BUSINESS WIRE)--Renaissance Life & Health Insurance Company of America has been elevated from an A- to an A in its issuer credit rating (ICR) performed by A.M. Best Company. Reported by Business Wire 19 hours ago.

9 tips to travel on the cheap from someone who's visited 125 countries on $15 a day

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9 tips to travel on the cheap from someone who's visited 125 countries on $15 a day Wish that you could afford to travel more?

According to Patrick Martin Schroeder, you can.

For the past eight years, he's traveled around the world and  spent approximately $45,000 in the process, which averages out to just $15 per day.

To date, he's visited 125 countries, including all of North America, South America, and Europe.

You can view a full map of his travels on his website and see photos from his adventures on his Facebook page.

Recently, he shared his tips and tricks in a Reddit "Ask Me Anything" discussion.

Here are his tips for aspiring budget travelers:

-1. Expensive countries make it easier to spend less. -

As counterintuitive as it sounds, being in a country with a high cost of living forces travelers to seek out the most affordable options. 

"In Europe I'd go camping and couchsurfing all the time out of necessity, but here in Asia I'd happily pay for accommodation, because it's cheaper," he writes. "But of course that adds up and in the end I pay more."

-2. Couchsurfing is your friend.-

Over the course of the six months he spent in the US and Canada, Schroeder didn't spend a single dollar on accommodations.

He recommends using both Couchsurfing.org and Warmshowers.org to find places to stay for free in foreign countries.

-3. Use a little-known search engine for flights.-

Using ITA Software's Matrix Airfare Search can help you find the cheapest flights.

Some flexibility in your travel plans also helps. "Search by month, it will give you all prices for 30 days in a row. Pick the cheapest," he recommends.

If you're looking for more insight on how to save money on airfare, read 23 secrets to booking cheap flights.

-4. You don't need to save a lot of money to get started.-

Schroeder admits that he's lucky — after saving up money to travel around the world for a year, he ended up inheriting a house, and renting it out is his main source of income.

But even if that hadn't happened, he says, he'd still be out exploring the world.

Traveling costs him under $6,000 a year, and he estimates that he could work for just three months to save that amount.

If you're looking for a similar adventure, he recommends getting started with a small savings goal. "Start saving $20 a week. If you do that for a year, you have $1,000, which is enough for 2-3 months."

-5. Look for out-of-the way destinations.-

Anyone looking to travel on a budget should look for places that have little to no tourism, Schroeder told Business Insider. 

"It's not so much about the destination itself, but that the people living there will perceive you differently," he explains. "If the locals are used to rich westerners that spend a lot of money, they see you as a business opportunity. But if they barely come in contact with foreigners, then their curiosity wins and you will get a much more personal contact. You will be a guest, not a walking ATM."

Destinations that he recommends include the Andaman Islands, Zimbabwe, Mozambique, Djibouti, Guyana, Suriname, and French Guiana.

-6. Get worldwide health insurance.-

Schroeder doesn't count insurance when calculating his $15-a-day budget.

He told Business Insider that he pays 300 euros (approximately $334 USD) per year for a worldwide plan that allows him to visit a doctor in any country that he's visiting, just in case something goes wrong.

-7. Carry enough cash for a month.-

Once you get off the beaten tourist track, you probably won't be able to use your credit card.

Schroeder makes sure to enough enough cash on hand to cover a month's worth of expenses — which, on his $15-a-day budget, comes to $450. Although carrying large amounts of cash can be risky, he writes, "The world is far safer than most people assume."

-8. Try touring the world by bike.-

Often, the most expensive part of any trip is transportation.

Schroeder takes flights only when absolutely necessary, and travels from country to country on his bike.

He told Business Insider that he's gone through six bikes in the past eight years while traveling and paid 800 euros (~$892 USD) for the first, 100 euros (~$111 USD) for the second, and 400 euros (~$446 USD) for the third.

Since then, he's attracted sponsors, and got his last three bikes for free.

And since bicycling doesn't cost anything, he can spend most of his daily budget on food.

-9. The hardest part is leaving your comfort zone.-

Once you're on the road, living without familiar luxuries becomes easy, Schroeder says. But getting out of your routine to start traveling can be a challenge, particularly when it mean giving up creature comforts. "As a huge nerd, the hardest thing to give up was my gaming PC and fast internet connection," he told Business Insider, adding that he also misses having access to western supermarkets and a refrigerator. He wrote on Reddit that he periodically returns home to Germany, but tries to keep those visits short. "When I start treating luxuries like a kitchen, running hot water, fast internet, etc as standard, THEN I LEAVE."

*SEE ALSO: The One Surefire Way To Save On Travel *

Join the conversation about this story »

NOW WATCH: Forget the Apple Watch — here's the new watch everyone on Wall Street wants Reported by Business Insider 17 hours ago.

United States: Congressional Health Policy Hearings - June 2015 - Reed Smith

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A House Ways and Means Subcommittee on Oversight hearing recently reviewed the effects of the Affordable Care Act (ACA) on health insurance premiums. Reported by Mondaq 18 hours ago.

A.M. Best Special Report: Spotlight on Private Placement and 144A Holdings

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A.M. Best Special Report: Spotlight on Private Placement and 144A Holdings OLDWICK, N.J.--(BUSINESS WIRE)--Over the past 10 years, the property/casualty (P/C), life/annuity (L/A) and health insurance industries have all increased their private placement holdings, increasing 77.8% in aggregate from USD 516.8 billion in 2004 to USD 918.6 billion at the end of 2014, according to a new Best’s Special Report, titled, “Spotlight on Private Placement and 144A Holdings.” As interest rates remain persistently low, private placements have been able to provide insurers with the Reported by Business Wire 17 hours ago.

All New HIPAA Policies and Procedures Packets from Flat Iron Technologies Allow for Rapid & Complete HIPAA Compliance for North American Healthcare Entities

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Flat Iron Technologies, LLC, has just released their all new 2015 HIPAA policies and procedures packets containing new and completely revised material for helping North American healthcare entities obtain rapid and complete HIPAA compliance.

Houston, TX (PRWEB) June 30, 2015

Flat Iron Technologies, LLC, has just released their all new 2015 HIPAA policies and procedures packets containing new and completely revised material for helping North American healthcare entities obtain rapid and complete HIPAA compliance. The material has been exhaustively re-worked to ensure all the latest legislative changes are included, which means Covered Entities and Business Associates can rest assured they’ve got all the necessary documentation in place for HIPAA compliance.

While many other companies are promoting and selling general security policy templates void of any detail, the HIPAA experts at Flat Iron Technologies, LLC offer highly customized documents for many of today’s leading healthcare industries. From dental offices to large nationally recognized healthcare institutions, the HIPAA policies and procedures offered for instant download come complete with literally dozens of templates consisting of hundreds of pages of material.

Flat Iron Technologies, LLC works closely with healthcare organizations all throughout North America for helping enable rapid and complete compliance with the Health Insurance Portability and Accountability Act (HIPAA), so visit hipaapoliciesandprocedures.com to learn more. Reported by PRWeb 16 hours ago.

Conservatives Are the Real Winners This SCOTUS Season

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Fox News' Paul Gigot lamented "As the Justices wrap up their term on a decidedly liberal note... the claim that this is a conservative court doesn't really hold up!" and a triumphant Huffington Post proclaimed, "Liberals Just Had An Amazing Week At The Supreme Court" Everyone seems to think this is a liberal sweep, but don't be fooled: on same-sex marriage and healthcare, Republicans lost while conservativism won. The difference matters.

First, the Affordable Care Act -- Obamacare -- is the most free-market capitalist health-insurance policy strategy in the world. Nothing like it exists. Every other nation that has submitted a solution to the healthcare challenge relies on far more government intervention. Essentially four healthcare policy strategies exist worldwide: healthcare fully provided by the federal government (Britain, Italy, Spain, Hong Kong, most Scandinavian countries); government "single-payer" health insurance (Canada, Taiwan, South Korea); health insurance provided exclusively by highly regulated non-profits that function almost like utilities (Germany, Japan, France, Belgium and Switzerland); and of course, the old "Good Luck with that Lump" systems where if you don't have money, you simply are out of luck (Burkina Faso, Rural India, Cambodia).

But Obamacare didn't take any of these approaches or create any massive new bureaucracies: Obamacare's Exchanges are free markets where private companies compete for customers - the essence of market capitalism and the genesis of all innovation and cost efficiency. Quite the opposite of single-payer systems, in the insurance exchanges no services are provided by government whatsoever. Go ask a Republican what exactly they would do in place of Obamacare. Their answer is a mixture of vigorous head-nodding and a voodoo word soup - a verbal scarecrow draped in words like "choice" and "free-market" and "empower" that unravels after two follow-up questions. Here, watch Jeb Bush perform this careful verbal ballet over brain-numbing piano music, conveying the substantive equivalent of "I like puppies, grandparents and apple pie." Do you wonder why there is no substantive grit? I'll tell you.

Obamacare finds its intellectual roots not in progressive philosophy, but in in proposals by free-market conservative thinkers (See Page 6 and 7 of Assuring Affordable Health Care For All Americans by the Heritage Foundation, 1989), which specifically advocated not only for the individual mandate and the expansion of Medicaid but also the lower-income subsidies - way back when Reagan was president. Both a mandate and low income subsidies were involved in Bush #1's healthcare proposals in 1991, as well as a 20-senator Republican consortium's proposal as an alternative to "Hillarycare" in 1993 (the Health Equity and Access Reform Today Act of 1993, HEART.) A program very similar to Obamacare was pushed by Mitt Romney for Massachusetts in 2006. But mysteriously, with the passage of Obamacare, Republican talking points switch to frame this exact policy strategy as a socialist boondoggle and a fascist government take-over.

Here is another reason that Obamacare is conservative: when Americans got super sick, a lot of us went bankrupt. 60% of bankruptcies were caused by the inability to pay medical bills. Bankruptcy limits individual market participation and future access to credit, but it also inevitably increases rates to all borrowers, further limiting credit availability for starting businesses, buying homes and investing. Less bankruptcy means less defaults means less systemic risk. What would you guess has happened to the bankruptcy rate since Obamacare? Ask a partisan Republican and they will probably tell you "Bengazi", so better off, instead click here or here. If you wonder why the Republicans have no conservative alternative to Obamacare, it is because Obamacare IS the conservative healthcare strategy: they are just pissed that a black guy stole the idea. Obamacare may be a material win for people with pre-existing conditions, but philosophically, Obamacare's validation of a market-based policy strategy is a win for conservative thought.

To claim that same-sex marriage is a liberal cause is only more egregious. The Court's ruling last week simply empowers individuals across all states to set up legal marriage contracts with another person regardless of gender. If conservatives are not in favor of keeping government out of our lives, what are they about? The notion that the state should decide which legal contracts consenting adults can choose is the epitome of the big government that conservative philosophy loathes. Furthermore, the longing for marriage has taken a population that was - in the 1970s and 80s - radical and extremist revolutionaries, marginalized, excluded from society and outcast from their families, angry and hell-bent on reshaping the very character of society, and it has converted that population to a voting block whose greatest feigned political advocacy intention is getting their own white picket fence. Once-radicals, who formed the Gay Liberation Front and pushed for boundless free love, the abolishment of social institutions and claimed solidarity with all oppressed peoples - are now begging for stability and commitment, basic protections for their children's welfare, and the chance to secure low-rate mortgages on very tasteful bungalows with impeccable yards in up-and-coming neighborhoods. The SCOTUS decision both advances stability in communities and precludes the nosey government bureaucracy from intervening in our most personal decisions. Newsflash for Republicans: same-sex marriage the last argument holding the rich white corporate power-gays from voting and donating Republican. Better start making friends.

How did this happen? While no one was looking, liberalism died. Since the policy failures of the 1970s, and the reactionary Reagan revolution that emerged, it turns out that no one loves the big government programs that were the hallmark of 1960s liberalism. Here is another secret, we all loved Reagan: he wasn't perfect, but he was strong and twinkle-eyed and hopeful, and even if he was actually smart, he acted sweet and dumb in a way we really appreciated. He won like 48 states! We were smitten. And since Reagan, the vast majority of America is decidedly meritocratic capitalists. The French can keep their high tax rates and Canadians can keep their government healthcare and the Russians can keep their terrorizing of gay people. We want to buy our own health insurance and we want the government to stay the hell out of our lives. The Democratic Party figured this out and shifted right, leaving the Republicans stuck fabricating threats to religious freedom and gun-ownership and denying climate change and underinsurance. You almost have to feel bad for them: market-based healthcare and cap-and-trade were their ideas and the Democrats straight-up stole them.

The fact that we don't see these policies for their philosophical underpinnings demonstrates the blatant extent to which Fox News's liberal-conservative, good-guy/bad-guy dichotomy has infiltrated our language and our most fundamental understanding of the political dynamics. Blowhards like Ann Coulter repeat the word "liberal" disparagingly so many times that none of the Fox News dittoheads are even sure what it means anymore. Ask two. One will tell you liberalism means government tyranny over every aspect of lives -- no more freedom! The next will tell you liberalism means that anyone can do whatever they want -- too much freedom!

Clinging to the simulacrum of intelligent argument, Republicans now throw half-hearted policy proposals over a scarecrow of racist and homophobic fear and anger. The great modern conservative thinkers -- Milton Friedman, Friedrich Hayek, William F Buckley Jr. have left the room -- and it turns out that most modern Republicans haven't even read them. Most of the great ideas -- health insurance exchanges, carbon tax, the earned income-tax credit and welfare reform, have been adopted by Democrats. What the Republicans have left are Glen Beck, Rush Limbaugh and the Tea Party goons - the fabrication of false problems and the denial of real ones. This is not Conservativism -- it's desperation. In "The Essence of Conservativism", Russell Kirk wrote "The conservative is a person who endeavors to conserve the best in our traditions and our institutions, reconciling that best with necessary reform from time to time."

For the Republican party, a reconciling with necessary reform is long overdue.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 15 hours ago.

Small Businesses Threatened with $36,500 IRS Fines For Helping Employees With Health Costs

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Small businesses that reimburse employees for the cost of premiums for individual health insurance policies or pay their health costs directly will be fined up to $36,500 a year per employee under a new Internal Revenue Service regulation that takes effect July 1, 2015. According to the notice, an employer arrangement [...] Reported by Forbes.com 14 hours ago.

Inmar’s Wellness Program Putting Up the Numbers to Support Title of “Best in Class” for Second Consecutive Year

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What began five years ago as a program to help contain the rising cost of healthcare for the company and its associates is now a movement that is comfortably a part of Inmar’s culture.

Winston-Salem, NC (PRWEB) June 30, 2015

What began five years ago as a program to help contain the rising cost of healthcare for the company and its associates is now a movement that is comfortably a part of Inmar’s culture. From the bikes that line the company’s bike storage room to the backpacks filled with gym clothes for lunchtime workouts at the Innovation Quarter YMCA, Inmar’s corporate headquarters in Winston-Salem’s Wake Forest Innovation Quarter is full of driven professionals who are passionate about their work and their wellness.

And, the team is putting up the numbers to prove their commitment is paying off. Inmar was named the Healthiest Employer for the second consecutive year by the Triad Business Journal and has been in the top three in its category for five consecutive years.

In addition to logging more time with their sit/stand desks in the stand position:·     In 2014, overall inpatient health claims spend decreased by 24% from the prior year.

·     Cardiac as a percent of admissions decreased from 12.5% to 8.3%.

·     Inmar's plan experienced more than $600,000 in savings through associate participation in the Cigna Health Advocacy Program and Medical Management.

·     Inmar has consistently had over 90 percent participation in its Wellness Program.

·     In 2014, more than 200 associates and family members participated in the company’s second annual 5K; some participants had never run or walked a 5K.

And, during a time of increasing healthcare costs, the premiums associates pay for health insurance within Inmar’s plan have not increase over the past two years.

“We are, of course, very pleased with the statistics we’re seeing from the program,” says Inmar Chairman and CEO David Mounts. “But, it’s the people and lives behind these statistics that are the real story. When we improve our wellness, we change our legacies and improve quality of our life for ourselves and our families.”

# # #

About Inmar

Inmar is a technology company that operates intelligent commerce networks. Our platforms connect offline and online transactions in real time for leading retailers, manufacturers and trading partners across multiple industries who rely on Inmar to securely manage billions of dollars in transactions. Our Promotions, Supply Chain and Healthcare platforms enable commerce, generate meaningful data and offer growth-minded leaders actionable analytics and execution with real-time visibility. Founded in 1980, Inmar is headquartered in Winston-Salem, North Carolina with locations throughout the United States, Mexico and Canada.

For more information about Inmar’s products and services, please call 866.440.6917 or visit http://www.inmar.com. Reported by PRWeb 14 hours ago.

This Is What Equality Looks Like

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The steps of the Supreme Court were alive with celebration of equality and love. All around me were hugs and kisses, tears and fist-bumps, energy, enthusiasm -- some disbelief -- and relief, respect and remembrance for those who paved the way to the historic decision to end states' bans on marriage equality.

I'm a gay Latino from a family of labor activists in the heart of Texas. And as I joyfully took it all in, my pocket suddenly buzzed. It was a call from an unlisted number. I answered. It was Vice President Joe Biden.

"Henry," he said, and I could feel the warmth of his world-renowned smile in his tone, "We did it."

The Vice President and I spoke at length about how our respective fathers had informed our own worldview. Though we grew up a world away and in different regions and cultures, both of our dads made sure the values of openness, respect and tolerance were instilled -- no ifs, ands or buts -- in their sons starting when we were young children. It's well known to every American that few derive as much joy from family as Joe Biden, and millions have delighted in sharing decades of stories. But yesterday, he told me one I hadn't heard. When the Vice President was a boy he once saw two men kiss before parting ways to work. "It's just love, son," his father told him. "They love each other." It was as simple as that.

My father, who organized Mexican immigrants into voting blocs and into citizens that demanded equal pay in South Texas in the 1950s and 60s, taught me that all movements begin when someone takes a single step towards justice. Under President Obama's and Vice President Biden's leadership, our steps became louder. They became a march and our march has become a movement for change. What started as a trickle in Massachusetts became a call to action in New York that became a roar heard across all fifty states. Yesterday, the court it struck down same-sex marriage bans. The day before, the Supreme Court upheld Obamacare and affirmed that quality, affordable health care is a right. Not privilege. While our country remains far from perfect, through Democrats, the American people are winning.

The Democratic Party is the party of inclusion and empowerment. We fight so that all Americans have a chance to get ahead. In particular we have seen Latinos in our country thrive under President Obama. After inheriting the worst jobs crisis since the Great Depression, Latino unemployment has been halved.

More than 16 million uninsured Americans -- including 4.2 million Latinos -- now have health insurance through the Affordable Care Act. After Republicans in the House held up any hope of passing the comprehensive bipartisan solution, President Obama took action relieving millions of those in this county from the constant threat of deportation. We will continue to fight for a comprehensive solution that offers a pathway to citizenship and a secure border.

On Thursday, the future of our health insurance system was protected by the Supreme Court. On Friday, the future of love and marriage in America was protected by the same. Only in partnership with Democratic leadership will we, as a nation, together, draw strength through diversity, and continue this forward march.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 13 hours ago.

When Adjuncts Go Union

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This article appears in the Summer 2015 issue of The American Prospect magazine. *Subscribe here*.

By now, Tiffany Kraft imagined she would be fully immersed in academia, putting her Ph.D. and passion for British literature to use on an annotated version of Irish novelist George Moore’s Mike Fletcher.

But her path to academia has not been as straightforward as she had hoped. She got her master’s when President George W. Bush was finishing his first term; her doctorate during Barack Obama’s first presidential campaign. Yet still, she finds herself in the purgatory of academia in which she’s been stuck since 2004: adjunct instruction.

“Adjuncting wasn’t great but there were no tenure-track jobs available,” Kraft says. “So I just thought I’d ride it out till the kids got through high school and I could move. Then after a period of time you’re sort of branded an adjunct if you don’t matriculate immediately—people wonder what’s wrong with you.” As an instructor of English and writing composition in Portland, Oregon, she’s cobbled together employment at four different higher education institutions in the metro area.

In a typical fall term, Kraft can secure up to six five-credit courses between three different campuses, ranging anywhere from $2,700 to $3,500 per course. In winter and spring terms, she usually can pull in three courses. For a single mother of two, these are not ideal circumstances. “I’m on fumes this term; it’s tight,” she said during the winter term.

She used to be able to find courses to teach in the summer as well. But now she says she’s seeing fewer summer opportunities at the colleges she works for, especially since many full-time faculty—who get hiring preference—are picking up extra courses.

“I just got a letter from my director and she said there is no summer employment for adjuncts. There were four slots, and they got filled,” she says.

Summer now holds a special anxiety for Kraft. She’s been forced to file for unemployment through the summer months. “Last summer was the first time I had to do that, and it scared me to death. I managed to get by but it wasn’t easy.”

The Affordable Care Act hasn’t made things any easier for her. University human resources departments are now hypersensitive to making sure that part-time instructors don’t work enough hours to require the universities to provide them with health insurance. Kraft’s previously stable course load at Portland State University was cut because of that. “HR red-flagged everyone that was above hours,” she explains. “That was a huge slam.”

Kraft’s tenuous situation is far from unique; in fact, it’s pretty much par for course.

Part-time. Contingent. Non–tenure track. Casual. Adjunct. Non-standard. Peripheral. External. Ad hoc. Limited contract. New model. Occasional. Sessional. Call them what you will, but these professors have now become the majority of college and university faculty. Their jobs are defined by low pay, limited instructional resources, tenuous employment security, and a complete lack of institutional support for their own research and writing. Contingent faculty has become a subset of the new working poor—the subset with Ph.D.s.

Kraft is just one of more than one million contingent instructors in the United States. Today, part-time and adjunct instructors comprise more than half of all faculty (not including those at for-profit institutions); another 20 percent are full-time without tenure. Just 30 percent are traditional tenured or tenure-track appointments. And the future is not looking better as tenure-track hiring continues to plummet, currently around one in four.

Since she began teaching in 2002, Kraft has been trying to better the lot of contingent faculty, reaching out to fellow adjuncts and her department chairs. Her efforts, however, amounted to just “banging my head against the wall,” she says. Her colleagues and bosses weren’t ready to have a conversation in which the problems of adjuncts, and solutions for those problems, were seen as collective. In 2012, she wrote an article airing her grievances, and in 2014, the Service Employees International Union (SEIU) invited her to speak at a town hall event at Georgetown University in Washington, D.C.

She was joined by now-retired California Representative George Miller, then the ranking Democrat on the House Education Committee, whose staff had recently released a report on the “just-in-time” nature of higher education faculty. The town hall was a platform for the SEIU to announce a highly ambitious long-term plan to organize one million adjunct faculty members nationwide. Adjunct Action Network, as it was dubbed, was launched in direct response to an increasingly vibrant grassroots movement of precarious faculty demanding change.

These organizing efforts, of which SEIU’s is just one, are a response to the collective failure of administrations—from community colleges all the way to the Ivy League—to fully integrate their main source of instructional labor into their full-time, permanent faculty system. As tuition continues to rise, the budgetary share that goes to instructional costs, including faculty salaries, has either flat-lined or decreased. The starkest shift has come at community colleges, where the instructional budget share fell by 3 percentage points between 1987 and 2009, according to the Delta Cost Project. Administrations have effectively entrenched a two-tiered system of faculty in higher education—one that has the support and security of the academy, and one that is utterly detached and disenfranchised.

“The evil genius of the multitier system was that it enticed the tenured faculty with short-term benefits and lured contingent faculty with what seemed a reasonable expectation—that they would gain valuable experience in a highly competitive job market,” writes Richard Moser in Equality for Contingent Faculty: Overcoming the Two-Tier System. Contingents are realizing this is a false hope, and the movement is finally finding a voice through both grassroots and netroots organizing. If they get their way, higher education will change for the better.

With the mobilization of a grassroots movement of adjuncts has come a windfall of resources from national labor unions—both those that have traditionally focused on higher education faculty, such as the American Federation of Teachers (AFT), and those that are new to the sector, such as SEIU. In a labor market where union organizing in most sectors has been rendered all but impossible, these unions have found a new front full of long-exploited faculty members who are eager to band together.

 

*HIGHER EDUCATION FACULTY *in the years after World War II was still largely made up of upper-middle-class white men. Tenure was the expectation, and most got it—in 1969, only about 3.3 percent of faculty appointments were off the tenure track. Back then, part-time adjunct faculty were mostly a novelty, with outside professionals teaching a course or two each year.

Throughout the 1970s, a number of factors contributed to a massive shift in the academic workforce. As the economy sank into a stagflation crisis, states started cutting funding to higher education. Endowments tanked. These economic reverses coincided with a rapidly changing higher education landscape—increasing demand for college education was coming from a more diverse cohort than before. “It was no longer just the majority of 18-year-olds straight out of high school going full-time,” says Joe Berry, a contingent faculty member, activist, and labor historian by trade. Older women and men coming back into the workforce, veterans, and immigrants were making up a larger portion of the student body. These people had busy lives and wanted to attend part-time. The number of students “became much harder to predict,” Berry says. “You couldn’t just look at your area high schools and predict how many 18-year-olds were coming out” and count on those numbers to determine how many course sections would be needed. 

Administrations turned to the more flexible—and cheaper—labor of contingent faculty, even as the era’s protests for racial and gender equality helped create a more diverse pool of faculty candidates. “Politically, it was much easier to casualize and degrade the job of college teaching now that it wasn’t just a white man’s job,” Berry says. At the time, however, “nobody among us realized the depth of that strategic change that was taking place. Initially, the administrations weren’t consciously setting out to change the faculty makeup. They got addicted to the cheap, flexible labor to solve all their problems.” But in time, he continues, “it came to be strategic, not tactical answers to their problem.”

In a sense, the traditional tenured-faculty bubble was bursting. Requirements for tenure were heightened at the same time that tenure-track hiring screeched to a halt. What was previously the next career step was now an inaccessible dream to many pursuing a career in academia.

Higher education scholar Gary Rhoades says these trends point toward what he calls “academic capitalism”: increased managerial control of the work and the employees. “It’s easier to control employees who have less job security and whose working conditions are such that you can easily non-renew them,” Rhoades says. “You don’t have to worry about layoffs when you have large numbers of contingent faculty.”

This “casualization” of faculty first began emerging in community colleges and state universities—the non-elite institutions. It was there that contingent faculty unionization campaigns began. The California Part-Time Faculty Association was likely the first explicitly contingent faculty association in the United States. By the mid-1970s, contingents in the California State University (CSU) system had formed lecturers’ committees in the statewide unions of both the United Professors of California—an American Federation of Teachers local affiliate—and the California Teachers Association.

SEIU

Adjunct instructor Tiffany Kraft speaks in New York City on the national Fight for 15 Day of Action, April 15, 2015. 

The 1970s were a time of disconnected and decentralized efforts to unionize. Coming out of the ferment of the 1960s, the new academics were disproportionately left-leaning, and a surge in faculty unionization soon followed. In 1967 and 1968, state labor boards started granting collective bargaining rights to faculty at public universities and colleges. The State University of New York and City University of New York systems were among the first public faculty groups to gain certified union representation.

The National Labor Relations Board had no jurisdiction over private institutions until 1970. Prior to that, private-school faculty’s only hope to unionize was through an administration’s voluntary recognition. By 1976, there were 38 private colleges and 180 public colleges under union contracts in 29 states, the District of Columbia, and Guam. Berry argues that the administrations’ creation of a two-tiered structure—tenure-track and the rest—soon became an effort to frustrate the burgeoning unionization movements on many campuses.

Then a Supreme Court decision curtailed the scope of faculty organizing.

 

*IN 1980, THE SUPREME COURT *ruled in NLRB v. Yeshiva University that full-time, tenure-track faculty in private colleges and universities were “managerial,” and thus ineligible to organize under the National Labor Relations Act. The decision had no impact on contingents’ ability to organize, and it didn’t pertain to faculty at public colleges and universities, who, like all public employees, aren’t covered by the National Labor Relations Act, and whose right to bargain collectively is left to the discretion of the states.

Traditional higher education unions like the AFT, the American Association of University Professors (AAUP), and the National Education Association had been organizing contingent faculty for decades—mostly, however, through comprehensive faculty unionization efforts, not by specifically targeting contingents. AFT’s higher education strategy had mainly consisted of building joint “wall-to-wall” bargaining units in which all faculty—from tenured professors to adjunct instructors—are represented.

Yeshiva scrambled those unions’ strategies. The AFT continued to focus on organizing broad units that included both tenure-track and non–tenure track faculty, but at public colleges and universities only. By contrast, nontraditional education unions like SEIU, which have come onto the scene in recent years, have largely organized contingent-only units at private schools where wall-to-wall units are forbidden.

“Some of the best contracts in terms of working conditions for adjunct faculty are in those joint units; some of the worst contracts are as well,” says Rhoades, who was formerly the general secretary of AAUP. If there’s a strong sense of solidarity between the two tiers, the ability of joint units to win strong contracts could mean big gains for contingent working conditions. However, joint units could just as easily mean captivity for contingents if their concerns fail to register in contract negotiations.

Some see this insistence on maintaining a wall-to-wall strategy as a failure to adapt organizing strategies to the rapidly expanding legions of contingent faculty who are struggling to improve their working conditions. AFT President Randi Weingarten contends, however, that her union’s wall-to-wall strategy was the best response to the Yeshiva decision. “The Supreme Court basically pulled the rug out from university organizing,” says Weingarten. “The organizing strategy we deployed was one that tried to lift all boats, and not let the boss of a university pit tenured faculty against non-tenure faculty or adjuncts.” In the post-Yeshiva world, she says, that strategy “has made us the largest higher education union in the country.”

The AFT represents about 215,000 members in higher education—about 100,000 are full-time, tenure-track; 90,000 are contingent, including full-time, non–tenure track as well as part-timers, graduate employees, and postdocs. “We help facilitate bargaining committees [with representatives from both groups] and have it done from the bottom up,” Weingarten says. “That’s part of the beauty of organizing everyone. You deal with each other’s needs. From a bargaining position, we’re aligned.”

With many university administrations openly antagonistic to organizing efforts among contingents, the AFT’s wall-to-wall approach has served to enlist a powerful group—tenured faculty—in the contingents’ cause. But contingents are an uncommonly unionizable workforce even without tenured allies, which is a lure for unions with a range of organizing strategies. “There are [unions] who even though they are not in the education space see contingent workers—exploited workers—and want to get into that space,” Weingarten says. “Frankly, there’s enough work for everyone in this space because there’s lots of exploited adjuncts.”

SEIU President Mary Kay Henry agrees. “It’s incumbent upon all of us to do whatever it takes to make sure that working people have a chance to come together and bargain,” Henry says. As the most prominent face in the crowd of nontraditional higher education unions, SEIU has employed a distinctly different strategy than AFT’s. It’s a highly publicized and aggressive campaign with aspirational goals of organizing one million adjuncts and establishing a base pay of $15,000 per course. While the union’s national campaign is in its infancy, it has roots in Washington, D.C., that go back nearly a decade.

 

*KIP LORNELL HAS BEEN** *teaching since the early 1990s, mostly at George Washington University in D.C. His field is American music and ethnomusicology, on which he’s published 14 books, and he even won a Grammy in 1997 for his work on a folk music anthology project. As a music academic, he’s about as experienced as they come. But to the GW administration, he’s merely an Adjunct Professor of Music. Given his expertise, GW offered him a regular part-time position in 1999, which offers slightly more job security, benefits, and a higher salary. Lornell inquired what higher salary GW had in mind and was told $15,000 a year. “They said, ‘We pay all regular part-timers [in the college of arts and sciences] that,’” he recalls. “I didn’t believe that for a second.”

He asked around among other part-time faculty in the college, and as it turned out, he was right. “There were people getting paid two and a half times more than that. The folks who were offering me [the position] were either badly misinformed or absolutely lying.”

Faculty Forward Chicago

Faculty Forward Chicago march in downtown Chicago on Fight for 15's National Day of Action, April 15, 2015. 

The experience radicalized Lornell. After he got in contact with other part-timers, they started having regular meetings and eventually decided that they wanted to form a union. They had heard about the work the United Auto Workers (UAW) was doing at New York University and the New School, and by 2001 the group had grown enough to reach out to the union and make a pitch. The UAW sent down some organizers, but after more than a year with little results to show for their efforts, it became clear that the partnership wasn’t working. “They were stretched too thin,” Lornell says. They mutually decided to part ways and find a local union. Lornell then reached out to AFT, but GW is a private university and didn’t seem to mesh well with the union’s organizing strategy.

Finally, the GW part-timers met with SEIU Local 500, which covers the D.C. and Maryland area. The local took up the cause. Within six months, the group completed a card drive and presented it to the NLRB. “That’s when the fun began,” Lornell says. “The university was not very happy, and they became even less happy when we won a very closely contested election.”

For the next year and a half, GW tried to contest the election results at various levels of the NLRB. Eventually the school brought their case to the district appeals court, which very quickly issued a clear message to GW: You’ve lost this, now sit down and bargain. It took a year to negotiate the first contract, but when it was done, the faculty had made real strides. Minimum compensation for a course went up from $2,700 to around $3,400. The contract also restricted the university’s ability to deny reappointment, a boon for job security. Ultimately, the first GW contract became a beacon of encouragement for part-timers at other campuses and a template for their efforts. (The GW administration confined its comments on this history to noting that it “was the first university in the District of Columbia to agree to terms with a union to represent part-time faculty” and that it has since “maintained good relations” with the union.)

“GW unquestionably paved the way for adjunct organizing in D.C.,” Lornell says. One by one, faculty at other campuses in the Washington area, both public and private, joined Local 500. First came Montgomery College in Maryland. Then American University. Then Georgetown. Then Howard University. Then the University of D.C.  Then Trinity Washington University.

SEIU Local 500 Executive Director David Rodich explains the thinking behind the local’s organizing strategy: “The secret to making this work is to understand that the movement is bigger than any one individual school. No one school is broken; the system as a whole is broken.”

Rodich estimates that the union has organized 3,000 faculty members—about 80 percent union density in the metropolitan D.C. adjunct market. Local 500 hopes its adjuncts will be able to achieve such high membership that they could transcend campus-level contracts and collectively bargain at a metro-area level. This “metro organizing strategy,” as the union terms it, would give contingent faculty unprecedented leverage. The union could centralize retirement plans and create an adjunct job bank reminiscent of the old union hiring halls.

“That’s the way building trades organized 130 years ago—not by individual employer, but by those practicing the craft in that immediate area and then they made all employers have the same standards,” says Joe Berry, whom many credit with crafting this strategy for contingent faculty. “Entertainers—the musicians, the actors—organized on that basis. There’s a lot of precedent. … It’s the workplace-appropriate strategy for organizing this sector.”

Perhaps recognizing the need to make its contingent organizing more nimble and adaptable, AFT has even integrated the metro organizing strategy into one half of a two-pronged approach. In Philadelphia higher education, the union is attempting to organize a high density of contingents. It still remains invested in the power of the wall-to-wall unit, but in metro areas with a number of higher education institutions, where contingents often work at multiple schools, the metro organizing strategy just makes more sense. It’s a matter of pinpointing which strategy fits. “The real issue becomes, what creates a power for workers to have a voice and a decent shot at earning a living wage and the professional conditions they need?” says Weingarten. “So you try both.”

Indeed, where wall-to-wall organizing isn’t feasible, AFT seems now to have fully embraced the contingent reality. The union’s higher education director, Alyssa Picard, comes out of the contingent faculty and grad student movements. This change in strategy, argues Berry, is the result of the growing tumult and militancy of contingent faculty. “It’s pressure from below,” he says. “The national unions had to get on board because the train was on the tracks.”

The SEIU announcement of its Adjunct Action Network campaign in 2014 was a calculated attempt to build on the early successes that its locals in D.C. and Boston had with adjunct organizing in urban areas. The union had been monitoring the organizing in D.C. and announced the campaign less than a year after Georgetown adjuncts had voted to unionize. The Adjunct Action initiative, later renamed Faculty Forward, has rapidly scaled up efforts in 18 states or metropolitan areas, from Los Angeles and San Francisco to St. Louis and the Twin Cities. About 8,000 adjuncts have been brought under the Faculty Forward banner so far, and the union says thousands more are in the organizing pipeline.

While many in the adjunct movement community commend SEIU for expanding aggressively, some are skeptical of the long-term efficacy of a campaign that seeks to model a national effort on two locals’ successes, and that perhaps puts a premium on the speed, rather than the depth, of organizing. Others wonder whether SEIU, which has taken a financial hit from a Supreme Court decision undermining its home-care locals and is devoting major resources to its Fight for 15 campaign, can deliver resources adequate to its ambitions for organizing contingents. On the surface, though, SEIU appears to be steaming ahead, not pulling back. It recently announced its Faculty Forward initiative that calls for a minimum of $15,000 per course, benefits included. It’s a bold, flashy move and one that is admittedly aspirational. However, the move has been widely applauded for bringing greater visibility to the adjunct movement, largely by tapping into both the rhetoric and the action of the Fight for 15 movement among low-wage workers.

 

*DESPITE THE GROWING** *prevalence of contingent faculty, it took a long time for a national contingent organizing strategy to emerge. Until the turn of the century, most efforts were isolated into campus, city, or state silos. It wasn’t until the late 1990s, with the advent of the Coalition of Contingent Academic Labor (COCAL)—independent but supportive of particular union efforts—that the movement began to develop a national strategy and vision, particularly through its advocacy events like Campus Equity Week. In 2009, aided by the rise of social media, the New Faculty Majority (NFM) formed as an organization intent on connecting the various moving parts necessary to stem the tide of increasing adjunctification—unions, nonprofits, activists, legislators, students. “We see ourselves very much as a page in the evolution of the movement,” says NFM President Maria Maisto. “We try to be both a hub that connects the various spokes of the wheel and also to identify the issues that need to be addressed.”

The group has worked with unions and the Department of Labor to try to fix unemployment denials for adjuncts over the summer as well as addressing wage and hour violations that have occurred because of the Affordable Care Act. Maisto believes that legislative reform would be one of the most effective ways to advance contingents’ interests. With the Republicans’ control of Congress likely blocking any pro-labor legislation, Democrats have begun to use their power to outline the problems and propose solutions that future Congresses might enact.

Following up on the House Democrats’ 2014 investigation into working conditions, Virginia Congressman Robert Scott, who succeeded Miller as the senior Democrat on the House Education Committee, has expressed interest in continuing the committee’s work in support of adjuncts. In the Senate, Richard Durbin of Illinois and Al Franken of Minnesota have sponsored a bill that would extend loan forgiveness to adjuncts.

The Internet has broken down the silos of geography and discipline that historically divided contingent faculty. Facebook and Twitter especially have catalyzed the conversation surrounding contingent working conditions, seen most recently through the promotion of National Adjunct Walkout Day in late February.

As the adjunct movement gains traction, one big obstacle remains lack of student awareness of who is even providing them with their education. “Most students, when they hear [who is teaching them], are shocked,” says Troy Neves, a third-year student at Northeastern University in Boston. “A lot of people don’t even know what an adjunct professor is.” Neves is a regional organizer with United Students Against Sweatshops (USAS), a social justice advocacy group. As part of its Campus Worker Justice Campaign, the organization has made adjunct equality a major focus.

Northeastern University contingents successfully unionized with SEIU and are currently in contract negotiations. The USAS chapter was a vocal supporter of their efforts. “One of the main ways we support our adjuncts is by making sure that while in the bargaining room, our university knows that students are watching [and] are going to hold them accountable for treating their workers fairly,” Neves says.

Higher education administrations have varied greatly in their responses to adjunct organizing efforts. Some have declared themselves neutral. Some have waged blatantly anti-union campaigns. Most land somewhere in the middle. “Our official position was that it was within their rights to decide for themselves,” says Jim Glaser, the dean of Tufts University School of Arts and Sciences. “But our perspective was that there would be real costs, both in dollars and bureaucratically, to unionization.”

In Tufts’s School of Arts and Sciences, more than half of the instructors are not in the tenure stream. In September 2013, part-time lecturers voted to form a union. The administration prepared for contract negotiations with a clear sense of what their bottom line would be, with a vision of what they hoped to come out of it. “Tufts, like many other [universities], has resources. But they are constrained—we live within a tight budget,” Glaser says. Its main goals were to stay within that budget while developing a “simple structure that was easy to follow and administer.”

About a year after the unionization vote, the administration and the union settled on a contract that’s since become a model for SEIU’s Faculty Forward campaign. It offers, at a minimum, year-long contracts for all adjuncts and up to three-year contracts for those with more experience. The part-time lecturers also get first notice and a guaranteed interview for full-time openings. Increased compensation was, of course, a key part of the contract, with as much as a 40 percent pay bump for those teaching Romance languages. By 2016, all part-timers will make at least $7,300 per course; those with eight years of service will earn a minimum of $8,760. And work done outside the classroom will be compensated.

A common point of agreement between the union and the administration was the need for a better evaluation system for part-time faculty. Adjuncts wanted feedback on their performance, says Glaser; the school wanted more accountability. “I think [the evaluations] were one of the good byproducts of unionization,” Glaser says. “We are going to have better accountability and better communication and recognition of high-quality work.” Adhering to the new contract, he acknowledges, will require a big adjustment on behalf of the administration. “The university is taking on more costs and we have less flexibility as a result. But we also feel the outcome is contributing to more fairness and to, we hope, better pedagogy and to more satisfied faculty.”

Tufts provides a case study in what a successful negotiation between union and administration can look like. However, as Glaser notes, Tufts is a wealthy university with a lot of resources. As are Boston University, Northeastern University, and Washington University in St. Louis—all schools with adjuncts who have voted to unionize with SEIU. A key question for SEIU’s campaign is what kind of concessions unions can get outside the bubble of elite universities that educate a small slice of U.S. college students. To date, although SEIU has organized some community colleges, its campaign is almost exclusively focused on private universities—mostly because of Yeshiva, it’s easier to organize adjunct-only units at private colleges.

But SEIU can’t come anywhere close to unionizing even a fraction of those one million adjuncts without figuring out how to organize in the public universities and community colleges where the vast majority of contingents are employed. These are the institutions that have seen their state funding gutted over the years and have responded by embedding just-in-time instructional labor into their operational models. Can such colleges afford what the adjunct movement is calling for?

John Barnshaw, the senior higher education researcher for the American Association of University Professors, took an informal stab at answering that question. Using Ohio State University and its nearly 60,000 students as an example, he tried to come up with a rough figure of just how much it would cost to put its entire part-time faculty onto the tenure track. The university is actually less dependent on contingent faculty than the average institution. Of its 5,000-person instructional staff, less than a quarter are part-time.

The lowest-paid tenure position at OSU for the 2014–2015 academic year was assistant professor at $85,200, with an average benefits package bumping up total compensation to more than $100,000. To promote just half the part-timers to tenured positions would cost roughly $67 million in salaries and benefits. That’s not an insignificant number, especially at a public school heavily reliant on public funding. “It’s not without its costs,” Barnshaw says, but to put that in perspective, OSU spends a total of $1.8 billion in salaries and benefits.

Paving the way for a new reality in academia will likely require a multi-pronged approach—through unionizing drives, coalition-building, legislation, and ultimately innovative new employment models that don’t demoralize faculty.

“I don’t think people understand how oppressive it is to work without job security, to work on a terminal, sometimes ten-week basis, without knowing you’ll be employed,” Tiffany Kraft says. “It wears on you psychologically, physically. ... Not only are you underpaid, there’s absolutely no respect. Over time, that hurts. It just hurts.”

What this adjunct movement could mean for Kraft, and legions of other disenfranchised faculty members, is simple: not just fair pay and stability, but a chance to engage in academia. “I would have a lot less stress in my life,” Kraft says. “I wouldn’t constantly be panicking and looking for jobs on Craigslist. I’d have time to publish and research more. I’d have time to just be academic, really.”  Reported by The American Prospect 10 hours ago.

Can Cohabiting Couples Count On Employer Health Benefits?

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Live-ins’ (gay and straight) health insurance choices are in flux after SCOTUS same-sex ruling. Reported by Forbes.com 11 hours ago.

How's That Hope and Change Working Out For Me? Just Fine, Thanks.

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I've never been a huge fan of "The Departed." It's a good movie, but I think it pales in comparison to Martin Scorcese's better films, movies like "Goodfellas", "Casino", and "Raging Bull."

But "The Departed" does contain one of my favorite movie quotes of all time. Coincidentally, it's a line that President Barack Obama has used on the campaign trail. It's the scene where state police and the FBI are conducting a stakeout, but they lose sight of the suspect they're tracking because they failed to put enough cameras in the building they're staking out.

Mark Wahlberg's character shouts, "Unbelievable! Who put the (expletive) cameras in this place?" The camera tech responds "Who the (expletive) are you?" to which Wahlberg replies "I'm the guy who does his job. You must be the other guy!"

I think of this line all the time, especially when I hear conservatives mock President Obama by asking the question "How's that 'Hope & Change' working out for you?"

"Hope and Change" was Barack Obama's campaign slogan in 2008. But as the recession dug in and unemployment skyrocketed during Obama's first term in office, it was oftentimes used as a derogatory dig at the president. There were bumper stickers. There were blog posts. In 2010, Sarah Palin famously asked a Tea Party convention, "How's that hopey-changey stuff workin' out for ya?"

Well, Sarah, we're now six years and counting into Barack Obama's presidency, and I have to tell you: That hopey-changey stuff is working out great! Of course, I say that as someone who reads the news and pays attention to the President's accomplishments. And to channel Mark Wahlberg in "The Departed," you... must be the other guy?

Let me remind you of a few of this President's accomplishments, and then let's ask ourselves again how that "hopey-changey" stuff is working out......

In 2009, when Barack Obama took office, the U.S. economy was struggling. Economic growth was at a 26-year low. The economy had just suffered its worst year since the Depression. I hoped that would change. And guess what? It has. By December of 2014, economic growth was at an 11 year-high. How's that for change?

In 2009, when Barack Obama took office, the U.S. unemployment rate was 7.8%. By October of that year, it had soared to 10%. I hoped that would change, too, and it has. Today, the U.S. unemployment rate is 5.5%. Again, how's that for change?

In 2009, when Barack Obama took office, consumer confidence was at its lowest level since the inception of the Consumer Confidence index in 1967. It stood at just 37.7%. I hoped that would change, and it has. Under President Obama, consumer confidence has soared to an 11-year high. It currently stands at 96.1%. How's that for change?

In 2009, when Barack Obama took office, the American auto industry was on the ropes. GM and Chrysler were headed for bankruptcy. I hoped that would change, and it has. Today, U.S. auto sales are at a 14-year high. Chrysler was up 32% in May, and GM just reported its best month since August, 2008. How's that for change?

In 2009, when Barack Obama took office, the U.S. housing market was also on the ropes. New home sales were at an all-time low, and I hoped that would change. It has. Today, new home sales are at their highest level since 2008. Existing home sales have increased year-over-year for 8 consecutive months, to a six-year high. How's that for change?

In 2009, when Barack Obama took office, the United States was hooked on foreign oil, as it had been for decades. I hoped this would change, as America's addiction to foreign oil had gotten us into a couple of wars that probably weren't in our best interests. And you know what? It has changed. Today, domestic energy production is at an all-time high in America, clean energy production has doubled, and the United States is the world's #1 producer of oil and gas. How's that for change?

In 2009, when Barack Obama took office, America's global approval rating was in the toilet, as Pew Research points out in its "Global Public Opinion in the Bush Years" survey. Just 53% of Brits had a favorable view of the United States, down from 83% in 2000. Only 31% of Germans approved of the United States, down from 78%. In short, even our closest allies hated us. I hoped that would change, and it has. Confidence in President Obama has soared to 88% in Germany, and global approval stands at 55%, compared to just 26% under George W. Bush. How's that for change?

In 2009, when Barack Obama took office, the world was a dangerous place for U.S. diplomats. Much of the world despised us, and American dignitaries were a popular - and easy - target. In fact, under President George W. Bush, thirteen American consulates and embassies were attacked between 2000 and 2009, resulting in more than 60 deaths. I hoped that would change, and it has. Since President Obama took office, only three U.S. consulates and embassies have been attacked, resulting in seven deaths. That's seven too many, for sure, but let's be realistic - it's also a vast improvement from the previous administration, and further proof that our embassies and diplomats are safer and more secure today than at any point since 9/11. How's that for change?

Back home in the United States, when Barack Obama took office in 2009, nearly 16% of Americans had no healthcare insurance. That's a total of 48 million Americans! I hoped that would change, and it has. Today, the number of Americans without health insurance is at its lowest level on record. How's that for change?

Last but not least, I have many friends and family in the LGBT community. These are decent, caring, hard-working Americans who love their country and love one another. But in 2009, when Barack Obama took office, their love was recognized in just two states: Massachusetts and Connecticut. That's right - same-sex marriage was legal in only two states!

I hoped that would change, and it has. Today, finally, same-sex marriage is recognized in all 50 states. Gays and lesbians now enjoy the same freedoms as the rest of us, and life, liberty, and the pursuit of happiness is no longer a privilege that applies to only some Americans.

So getting back to the question, how's that "hopey-changey stuff" working out for me? It's working out fine, thank you very much! The U.S. economy is back, unemployment is down, housing is up, the American auto industry is killing it, domestic energy production is at an all-time high, more Americans have healthcare insurance now than at any time on record, gays and lesbians are free to marry whomever they want, wherever they want, and the world loves us for it! Things couldn't be better.

But again, I say that as someone who reads the news and actually pays attention to the President's accomplishments. That's what I do. That's who I am.

You must be the other guy?

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 12 hours ago.

Poll shows public approves of Supreme Court decisions on marriage, Obamacare

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A substantial majority of Americans approve of U.S. Supreme Court decisions that extended marriage equality to all 50 states and upheld insurance subsidies in Obamacare, according to a new CNN/Opinion Research poll. Sixty-three percent give thumbs up to the high court’s ruling that approved government subsidies for Americans purchasing health insurance in federally run exchanges […] Reported by SeattlePI.com 11 hours ago.

Public approves of Supreme Court decisions on marriage, Obamacare: Poll

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A substantial majority of Americans approve of U.S. Supreme Court decisions that extended marriage equality to all 50 states and upheld insurance subsidies in “Obamacare”, according to a new CNN/Opinion Research (ORC) poll. Sixty-three percent give thumbs up to the high court’s ruling that approved government subsidies for Americans purchasing health insurance in federally run exchanges where such coverage would otherwise be unavailable. Nearly two-thirds of Americans back last week’s Supreme Court ruling that extended same-sex marriage to all 50 states.  Here,  Julie Engbloom, left, and Laurie Brown, right, were married on May 19, 2014, in Portland, Ore., hours after marriage equality became legal in the state.   (AP Photo/Steve Dykes) [...] Reported by SeattlePI.com 12 hours ago.
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