Twitter Posts from the KansasWatchdog on hearings today in Topeka, KS on Children's Issues, "Foster Care"

Twitter Posts from the KansasWatchdog on hearings today in Topeka, KS on Children's Issues, "Foster Care"
#ksleg Summers: refuses to stop a second time as she gives her summary about 8 hours ago via web
#ksleg Summers: refuses to stop when asked by State Rep Neufeld. says she has another page and a half of testimony. Neufeld yields (so far) about 8 hours ago via web
#ksleg Summers: Three witnesses were ignored by the court. Background checks delayed reunification. about 8 hours ago via web
#ksleg Summers: child had been abused and was threatend "not to tell" about 8 hours ago via web
#ksleg Summers: "travesty of justice" is the title of a book she is writing about harm done to children in this state. about 8 hours ago via web
#ksleg Summers does not understand why case was not prosecuted when abuse was obvious in her opinion. about 8 hours ago via web
#ksleg Summers testifying about Judge Burgess not allowing evidence to be heard in court room. about 8 hours ago via web
#ksleg Frankie Summers, a fFormer educator, talking now about personal experiences about what child experienced while in custody. about 8 hours ago via web
#kslefg Judge Burgess: I cannot hold parents accountable if contractors are also not held accountable. about 8 hours ago via web
#ksleg Judge Burgess wants to reply to Attorney's comments. Talking about relationship with contractors. Judge for closer communications about 8 hours ago via web
#ksleg State Rep Holmes: Where is problem? Attorney: multi-facted prolbem. Remove financial incentive. Some rules need to be changed. about 8 hours ago via web
#ksleg Attorney: Reality is once there's a problem you're in court for month and months. Need to take money incentives out of system. about 8 hours ago via web
#ksleg Live tweeting from Kansas Fed and State Affairs Committee Hearing about 8 hours ago via web
#ksleg Attorney: privatization creates financial incentives for contractors that are not in the best interest of the child. about 8 hours ago via web
#ksleg Attorney: children can be removed. SRS doesn't investigate. about 8 hours ago via web
#ksleg Attorney: Need fair judges. Judges being too close to workers, contractors can be a problem. about 8 hours ago via web
#ksleg Attorney: Case worker's report was in error and court acted on it. Judge said "it didn't matter". Need checks and balances. about 8 hours ago via web
#ksleg: Attorney: Case worker had child removed. Worker had too much power. Best interest of child not served. about 8 hours ago via web
#ksleg JoCo attorney (can't spell the name) talking about removal of child for spanking that could not be substantiated. about 8 hours ago via web
#ksleg State rep talking about CASA: Court Appointed Special Advocates for children. There are not enough CASAs to meet the need. about 8 hours ago via web
#ksleg State Rep Neufeld asking about GAL training. Hogan: Training is one way to help support attorneys about 8 hours ago via web
#ksleg State Rep Kiegerl: GAL paid $60/hr in JoCo; Hogan: In SG County $35K/year for half-time work but usually more than half-time. about 8 hours ago via web
#ksleg Hogan: many parents don't have money for legal representation. Guardian ad litems (GAL) are paid less than many attorneys. about 9 hours ago via web
#ksleg Attorney Kelly Hogan, child legal services. Talking about a how a guardian ad litem represents the child's best interest. about 9 hours ago via web
#ksleg Judge says grandparents always allowed to comment. "Call me" to state reps if you ever have a problem with a case. about 9 hours ago via web
#ksleg State Rep Kiegerl asking judge why there seems to be more cases in Sedgwick county. Perhaps judges and contractors too close? about 9 hours ago via web
#ksleg Judge Burgess: implementation of privatization was rough at first. "Perfectly fine with it now" about 9 hours ago via web
#ksleg Judge Burgess: We have problems in Sedgwick County that western Kansas does not have. about 9 hours ago via web
#ksleg Judge Burgess: When "Kansas is rich" prevention would be a better approach. about 9 hours ago via web
#ksleg Judge Burgess: Transition to privatization was difficult. Now meet with contractors once a month. about 9 hours ago via web
ksleg Judge Burgess: Only 3% of children taken in are truants. Child has never been removed from home for truancy. Truancy is a huge issue about 9 hours ago via web
#ksleg: Almost 60 people at Fed & State hearing to learn about child welfare issues. about 9 hours ago via web
#ksleg: Judge Burgess: Biggest problem is service delivery. Most families don’t ask for help until crisis hits. about 9 hours ago via web
#ksleg: Judge Burgess is next to testify. Introductions could be better to identify who is speaking. about 9 hours ago via web
#kslefg Judge asked about her concerns about privatization: Judge: Done quickly, more bureaucracy, service barriers. about 9 hours ago via web
#ksleg Judge Shepherd: "not a good thing" sometimes when transfers occur between contractors about 9 hours ago via web
#ksleg Rep Neufeld asking Judge Shepherd about privatization. She was not a supporter; hurt us initially. about 9 hours ago via web
#ksleg Judge: We don't have cases where someone comes in and asks to give up their kids about 9 hours ago via web
#ksleg Judge: Child may be in police protective custody for up to 48 hours until judge signs order. Then in SRS custody. about 9 hours ago via web
#ksleg State Rep Mike Kiegerl asking when contractors first see a child after a judge's order about 9 hours ago via web
#ksleg Judge Shepherd (I think Jean F Shepherd from Lawrence) talking about legal steps for removing a child from the home about 9 hours ago via web
#ksleg Judges talking at Fed & State Committee hearing about child welfare. about 9 hours ago via web
JoCo Unofficial Final Election Results: Prairie Village Ward 4, Shawnee Ward 3, Gardner recalls http://tinyurl.com/yzf86wd about 24 hours ago via web
#ksleg Most of the ~50 in the audience at the Fed and State Affairs hearing cannot see speakers' slides -- need two screens. 1:01 PM Mar 2nd via web
#ksleg NCSL: Two federal funding streams: title 4 b child welfare, and 4e foster care. 12:45 PM Mar 2nd via web
#ksleg NCSL: State and local funds more than federal but federal rules drive the system. 12:43 PM Mar 2nd via web
#ksleg Sheri Steisel(?) from NCSL DC talking about complexity of child welfare system. Now talking about federal funding. 12:42 PM Mar 2nd via web
#ksleg Chair Neufeld: Remember history. ACLU law suit 15 years ago and other problems resulted in privitization. What are best practices? 12:36 PM Mar 2nd via web
#ksleg State Rep Kiegerl: Any data that privitization doing what was expected? How is performance measured? How do other states compare? 12:32 PM Mar 2nd via web
#ksleg State Rep Loganbill asking if any evidence whether privitization is better or worse. NCSL: Some data, but no conclusion. 12:31 PM Mar 2nd via web
#ksleg Kieger: Removal in other states for non mal-treatment. NCSL rep willl get that data. 12:09 PM Mar 2nd via web
#ksleg State Rep Mike Kiegerl: 53% removed in Kansas for reaons other than neglect. Asking for reason, comparison with other states. 12:08 PM Mar 2nd via web
#ksleg NCSL Rep: Kansas is somewhat unique in number of children removed from home for reasons other than neglect. 12:07 PM Mar 2nd via web
#ksleg Chair Melvin Neufeld asking about a particular statistic for Kansas that was about twice the national average. 12:03 PM Mar 2nd via web
#ksleg Representative from National Conference of State Legislature (NCSL) talking about child welfare system. http://www.ncsl.org/ 11:59 AM Mar 2nd via web

The complexity of the tractor trailer accident

The complexity of the tractor trailer accident

When your goal is to find cheap auto insurance rates in Kansas, there are some things you can do to keep your costs down. Even if your driving record has been less than stellar, you may be able to save some money on the cost of your coverage.1. Pay Your Premium Once A YearIt may be more convenient to pay your KS car insurance once a month by automatic withdrawal but this option is more expensive for the insurance company to implement. If you can afford to pay once a year, you are saving the insurance company some administrative costs. This saving should be passed along to you.2. Buy Liability-Only InsuranceWhen you buy collision and comprehensive coverage for your vehicle, you are getting coverage for the replacement value of the car. This is different from having coverage that will fund a brand new car if you have a total loss. In a situation where you are making payments on your car, the lender will likely insist that you have this type of coverage, but once your car has been paid off it may not make a lot of sense for you to continue to have this protection in place.If your car is paid off and currently worth less than $1,000, you may want to keep your liability insurance in place and drop the other coverage. It will save you some money.3. Maintain A Good Driving RecordGood drivers are rewarded with cheaper Kansas auto insurance rates. It's a fact. Take care every time you are behind the wheel to reduce the likelihood that you will be involved in an accident. You may want to find a car insurance company that is willing to "forgive" a first accident by not raising your premium rates, since even good drivers can have a mishap.By taking these steps, you can get better rates on your car insurance coverage. Buying car insurance may be required in Kansas, but paying more than you need to for the privilege is not. Use these 3 tips to find Kansas auto insurance cheaper price and be able to stay within your budget well.

3 ways to avoid damage to the negotiations for the settlement of a car accident

3 ways to avoid damage to the negotiations for the settlement of a car accident

Here's the most important thing you need to know about dealing with the insurance company for a car accident injury claim: they don't think of the payment as essential help to pay medical bills. For them, your injury claim is only a liability that they need to find a way to write off. It is merely a business transaction. This gives the insurance company a lot of power over the total amount of your settlement. However, once you understand the tricks they use, you will be able to negotiate your injury claim for a better amount. Luckily, you found this article! Because I am a car accident lawyer, I've spent my fair share of time fighting huge insurance corporations. I know what mistakes people most often make that can leave them without help to pay their medical bills.
A lot of people don't understand that the insurance company treats your medical bills like any other business transaction: it's negotiable. To know how you can get the most from your car accident insurance claim, you need to understand these principles of negotiating with insurance adjusters.
1. Always let them make an offer first. You probably shouldn't take the first offer you get because it is almost never the true cost of your damages. Go into the negotiation with the same mindset you would have if you went to a used car dealer: The sticker price is usually higher than what the car is really worth, but it gives you a starting point for negotiations.
Plus, before you can know what your claim is really worth, you must find out how extensive your injuries are and if you are going to need long term medical treatment or expensive surgeries. After you get a starting point from the insurance adjuster you can understand how much ground you have for more.
2. Stay smart and calm. You aren't going to get the most from your car accident injury claim if you aren't on the top of your game. You must prevent the insurance adjuster from getting the upper hand because you were hurt in a car accident.
3. Consider what you can let go. Just like any negotiation, you can get yourself a better position on some issues if you give up some of your claims to others. Consider what is most important and least, and be prepared to give up what you don't need.
These tips will help you negotiate with the insurance adjuster, but there are a whole lot of other tricks that the insurance company will use to deny Help pay medical expenses. This is why it is very important to learn as much as possible about how to secure the work so you can learn their secrets and the fight against the insurance company.

DENNIS HAWVER FOR KANSAS ATTORNEY GENERAL 2010

DENNIS HAWVER FOR KANSAS ATTORNEY GENERAL 2010

I'm running as a Libertarian because I believe that the Republicans and Democrats have jointly caused the problems that this country is facing today. Pat Buchanan termed the Republican and Democratic parties as the "right and the left wing of the bird of prey". Unfortunately, I believe that's the way that any knowledgeable person in the United States today views our morally and financially bankrupt government.

As Kansas Attorney General, my focus will be on bringing liberty to the forefront in Kansas government. Presently, we are overtaxed, unrepresented, and subject to subtle and not-so-subtle threats if we don't "sit down and shut up". The average citizen has no influence over governmental policy. I will work to free Kansans from expensive, ineffective and unjust government.

There are too many people in Kansas prisons for victimless crimes. It costs more money to send a boy to jail than it does to send a boy to Yale. As chief law enforcement officer for the State of Kansas, I will dictate policy for state law enforcement agencies, such as the Kansas Highway Patrol and the Kansas Bureau of Investigation. That policy will emphasize detection and prevention of common law crimes such as murder, theft and fraud, and will de-emphasize victimless crimes, such as drugs, gambling and prostitution. I believe that people should take responsibility for their own actions. If you want to shoot Clorox, it's OK with me. It'll clean the gene pool, but don't come to me for rehabilitation. Additionally, government is demonstrably unable to enforce laws against drugs, etc. History shows that more people are using drugs today than they were before the failed "War on Drugs" was declared. We have forgotten the lessons of prohibition. 

I know that my views are not politically correct, however, they are MY views...gained after 67 years of experience and observation of the Federal government dangerously ignoring the U.S. Constitution, and therefore, my rights. The preservation and assertion of MY rights is my motivation for running for Kansas Attorney General. I'm also interested in protecting YOUR rights. However, I believe that is largely YOUR responsibility. I will help you fight for your rights...but only if you want to take action.

I also advocate the policy of "NULLIFICATION". Nullification is a concept advocated by Thomas Jefferson, who stated essentially "if the Federal government passes unconstitutional laws, the states can refuse and forbid enforcement of those laws within their borders". I believe this needs to be done TODAY. In Kansas. If I don't want to buy health insurance, the Federal government should not be allowed to force me to do so.

I have a lot more views that will not be appreciated by the political elite. And to them, I say "tough".

PAID FOR BY DENNIS HAWVER FOR KANSAS ATTORNEY GENERAL, IRA HAWVER, TREASURER.

(I am NOT accepting campaign contributions. If you want to spend your hard earned dollars, BUY GOLD. Don't give it to politicians.) 

New Rules For Bad Credit Debt Consolidation

A look at how the new laws for debt relief will affect bad credit debt consolidation.

If you are not aware of the new rules for bad credit debt consolidation you need to be. Regulation and laws that resulted from a 229 page report released by the FTC have caused a sea change in the way debt relief firms now operate. Along with the Better Business Bureau and the Association of Settlement Companies the FTC is working to protect consumers. The old ways of doing business have been replaced and an honest industry is now emerging. Being aware of the new laws and how they protect debtors is a consumer responsibility. In short, know your rights and don’t get scammed.

Bad credit debt consolidation loans used to exist in a legal gray area that allowed fraudulent companies to operate. A major protection has been put in place. Regulation now requires that a bad credit debt expert must show a result before the customer can be charged. Previously, it was possible for unethical companies to charge up front fees and then produce no results. These companies are being eliminated by new laws.

Customers also used to wait without contact from their debt consolidator. Months could go by with the customer thinking that it was acceptable to not make payments because of the debt relief help only to be shocked to discover that creditors became angry at lack of payment and took legal steps. Now a bad credit debt consolidation company must regularly update customers preventing this scenario from happening.

It was once considered a credit "crap shoot" to take debt help because customers would not find out until the end of the process what would happen to their credit rating. This situation has also changed under new laws as a bad credit debt consolidation firm must tell clients up front what effect their services will have on the credit rating. This simple change removes any chance of credit shock.

With the opportunity to turn multiple payments into one lower payment and eliminate the potential fro multiple fees bad credit debt consolidation loans are a way to manage problems for people with $10,000 or more in debt. For advice and help finding a reputable debt consolidation, follow the link below to a Free Debt Relief Network-http://www.debtreductionexpert.com/?id=4444

Debt Consolidation and Student Fees: Most Popular Loan Categories at YES-secure

YES-secure.com, the UK’s first truly social network aimed at peer to peer (person to person) social lending and borrowing, announced that the two most popular unsecured loan categories currently being approved through its web marketplace are “Debt Consolidation” and “Student Fees”.

“Popularity of debt consolidation via unsecured loans is largely due to the state of the national economy with banks not lending, and secondly, student fee loans are currently popular because universities and colleges are opening soon after the summer”, said Hannah Simkin, the YES-secure.com Customer Services and Underwriting Manager.

More than 60 percent of personal loans have been made to people who want to pay off their high interest debt – such as credit cards – with a lower interest rate personal loan. YES-secure.com offers personal, unsecured loans via its web marketplace at rates much lower than the typical credit card APR. Borrowers also come to YES-secure.com to fund home improvements, weddings and car loan amongst other reasons.

“Over the past three years we have developed the innovative idea of peer to peer lending with a very open and yet secure social networking website, and this combined focus provides proven, clear benefits for both lenders and borrowers involved in the transaction - bringing new opportunities to investors and better interest rates to borrowers,” said Dr. Chandra Patni, CEO at YES-secure.com.

While borrowers get lower rates, lending investors get solid average returns as high as 20% depending on the level of risks they are prepared to take by lending to different risk categories of borrowers.

Here is how it works:
1.   Creditworthy borrowers come to Yes-secure.com to request loans of up to GBP (£) 25,000.
2.   YES-secure.com reviews and posts a selection of loan applications that pass the credit checking and ID verification process.  
3.   Investors fund small fractions of hundreds of loans and build a diversified portfolio of lending.
4.   As consumers pay back the loans, investors collect the principal and interest and they can choose to reinvest.

"Peer lending has finally crossed the chasm and is now on the fast-track of acceptability and growth with real people,” said Rohit Patni the YES-secure.com Marketing Director.

Additional Information
YES-secure.com, UK’s first truly social networking lending and borrowing web marketplace for the UK consumers, provides secure unsecured loans on low interest rates well below those of your local banks.
Social lenders benefit from significantly higher returns than fixed savings deposits in the banks.

More information regarding YES-secure and its promotional offer can be found at www.yes-secure.com.

For more information, please contact

Ms. Mala Chauhan
mala(dot)chauhan(at)yes-secure(dot)com
marketing(at)yes-secure(dot)com
0871 221 9410 extension 5440
YES-secure.com Limited
Checknet House
153 East Barnet Road
Barnet
EN4 8QZ
UK
www.yes-secure.com

* Please note: Calls to 0871 numbers cost 10 pence per minute from a BT landline. Call charges from other networks may vary.

Debt settlement vs debt consolidation - which makes the most financial sense for you?

All of us are confronting with critical situations because of our financial instability. People are going through misery as they are unable to subsist with the accumulated huge debts around them. Many of them find bankruptcy as an alternative to get rid of their huge debts. But before availing any option, it is also advised to look for the most suitable option which can go with your financial obligation. Debt settlement and debt consolidation both are considered as one of the finest solutions which can support you in order to live a life free from all your debts.

If we compare debt settlement with debt consolidation, then it is imperative to know the functionality of both the options. Debt consolidation accumulates all the liabilities into one large liability on a reducing rate. People, who are opting debt consolidation, will be paying the creditors' with that money and will be paying the bank slowly but in this way, the principal amount will not be reduced. This process might take a longer time period in order to pay off the loan. Whereas, debt settlement basically reduces the amount to half so that it can easily be paid off within a short period of time and thus, people will be having financial stability.

Both these methods are productive and are in the favor of both the parties but, the time limit for debt consolidation is little longer than debt settlement. Debt consolidation is less nerve-racking as it requires paying a single amount with low interest rate. It is not at all detrimental to the individuals who have larger debts around them.

It is important to go through each and every option very carefully before making the final decision as they are all related to your finances. A significant research is required in order to avail the best option which will ultimately suit your financial picture. Both the options have their own distinctive features but they are serving the same function i.e. to make people free from the debts. By availing the services of debt relief firms, you will be able to negotiate with your creditors in a professional way and your life will be again on a safe financial journey.

If you have over $10,000 in unsecured debt it may be a wise financial decision to consider a debt settlement. Due to the recession and overwhelming amount of people in debt, creditors are having no choice but to agree to debt settlement deals.
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