Emergency & Accessibility Loan Program 2017-2026

This is difficult to answer as all children are different. In previous answers, people suggest rewards, identifying learning styles and offering assistance.Now, I'll tell you what works. Let them fail. Let them fail miserably. How do I know this? I have lived this and have tried everything.My son, while a great kid, was a lousy student! I would get calls from teachers once a week starting in middle school. I knew then I was in for trouble. Going to high school, I knew that he needed to shape up or college was off the table. Off he went to to high school. He wanted to play football but the team had grade requirements. He barely met them but he did.Now remember, I tried offering tutors, suggested he ask for help from teachers, threatened and begged. After almost 2 years of that bullshit, I stopped. I never took football out of the equation because I felt the work ethic and commitment it required was important for him. He needed (or maybe I needed for him) to be passionate about something. He needed something to feel good about, especially since his older sister was a straight A student all through high school and received multiple academic awards.I, as a single mom, made sure he knew I was there to support his achievements. I went to every single football game of his and volunteered my time to help support his team. What I didn't do is ask him if he had homework, or tests, or exams. I stopped because he needed to learn to do things without his mom nagging him. When he talked about college, I simply said “You're not going to college Noah”. He would say to me “Wow Mom, way to be supportive”.What I wasn't going to do was waste a 529 fund on a kid that wasn't ready to go away to college. He watched all of his friends go away to school while he lived with me at home. He saw independence, fun, freedom and a different world in his friends pics on social media.I had to sit back and watch my son flush his future away because of laziness. Fast forward a year and a half from graduating high school and he is finally leaving the nest to go away to school. He worked his ass off in junior college, got very good grades and will be attending a very reputable college.Failure works!!!! Pestering, bribing and punishment doesn't. At least not for my kid.

I don’t like to be that judgmental about it, although it’s true that we get a lot of patients coming in on Sunday nights and very early Monday mornings.Sometimes the patient is elderly, and explains, “I didn’t want to mess up my son’s weekend by calling him earlier, so I waited until Sunday evening to tell him I was having abdominal pain.”Sometimes the patient is a child, who ignored mild symptoms until bedtime.Sometimes the symptoms the patient is experiencing actually do get worse at night, when the person is lying down: toothaches, earaches, difficulty breathing.Some day care centers won’t allow children with certain symptoms, unless they’ve got documentation that they’ve been on antibiotics (or other appropriate treatment) for 24 hours. In these cases, parents who can’t afford to take any more time off work than absolutely necessary don’t wait until morning to take the kid to the doctor.Some people truly can’t afford to seek medical attention (especially in an ER, which is by far the most expensive form of treatment), and wait to see if they’ll get better over the weekend, so they won’t run up a big bill. When Sunday evening arrives and they still feel lousy, they come in for treatment. By that time, they usually have no other choice, since few urgent care clinics or doctors’ offices are open on Sunday evenings.And, finally, some schools and employers actually require a note from a doctor if the person calls in sick at work, or misses a day of school. So these patients come in as soon as they know they’re coming down with something.

Ah the anxiety my parents have been giving me for years… At age 13, I was definitely sure they'd kick me out at some point. They'd been abusing me for months, treating me like a punching bag, but more importantly, a bad child. I was never bad at school and I had a decent amount of good friends. People liked me even when I was an edgy (pre)teen and you know, it's normal and all. But my parents always seemed to hate me much more than they hated my siblings. I was always ready to take off. One summer, they even locked me in a room for the whole 3 months of summer vacation. I would only go out to visit the toilet or eat in silence, wasn't really allowed to speak. The room also wasn't mine, because mine was full of toys and interesting stuff to do. Wasn't allowed any sort of electronics. All I had that summer was a notebook and some old pen I found, had to keep it a secret. Being in the bedroom where they left me, I was on the other end of the house so at least I wasn't forced to listen to them and I was close to the street. It only takes a moment to open the window and jump out of the house. In case they'd become violent again, I had packed a small bag with the little money and clothes I had and I had a friend who would let me stay if something like that happened (despite not hearing from her in two months because I was grounded). The thing is, I was grounded for a very stupid reason. Being the teen I was, I thought using bad words on my phone in my private texts would be “le funny xd”. They went through my messages without me knowing and that's why I ended up with not only a punishment, but severe trauma and therapy. They didn't see anything wrong with it, and when I ask them about it they say that never happened. Have you been rough on your child? May you be giving them anxiety or even ptsd, ticks or alike? I flinch when my boyfriend moves the wrong way because it brings back the memories. I'm 18, almost 19 now, and I'm going to a foreign country for college just so I'd leave the house. I don't want to hear from them again, since they'd kick me out sooner or later anyways. Haven't used their money in years either, I do not want to associate with my father especially. I'd question myself if I were you.Also, I might’ve been too harsh. It could be the kid overreacting, I was just giving my personal point of view. I'd also recommend looking at other commenters’ povs.

Here’s news for you: your DNR will likely always be ignored in an emergency situation. As a medical responder, I have no means of checking the validity of your DNR order. A DNR is for chronic and palliative patients, who — while fully conscious and in possession of their mental facilities — conclude the required notarised steps and pre-inform medical responders. If a DNR is on file with me, I am following it. If the person standing next to you, claiming to be your spouse, waves a piece of paper in front of me, I ignore it. I am not a lawyer, I am a medic. I don’t know your signature and I can’t compare fast enough to save your life if it turns out the one on the DNR is faked.If you’re unconscious, I err on the side of saving your life. Sure, I could call your notary, wait until I am connected, wait until they checked their paperwork, and then rush back and try to (futilely) resuscitate someone who was dead for the 30 minutes it took me to realise that someone faked a DNR to get rid of you. Or I could save your life.If you want a DNR make sure it’s communicated NOW. If you have a chronic illness, you have a physician of record. Leave it with that person, let them verify the veracity, and make sure that’s the physician that is contacted first. If you don’t have a chronic or guaranteed terminal illness and want a DNR, you might be fighting an uphill battle, but you can try.If, in the process of moving you to a more permanent accommodation, your DNR becomes valid (this takes time and efforts), your life sustaining tools will be turned off. If you regain consciousness, you can state it in person, and all means to sustain your life will be ceased.

If I can be really honest, never in all my years doing EMS did I ever look on a phone. How would we even know if it is yours? 90% of EMS look at the wrist for information, then 70% for a necklace. We *might* run across a wallet card but since we don’t usually check wallets, even that would be overlooked.That being said, my phone does have my name, DOB, three medical conditions, my most common allergies, my main medication, and three contacts.My necklace which is more likely to be seen has name, DOB, two medical conditions, two allergies, and a username and PIN for My IHRIf they get onto My IHR they can get an incredibly detailed health information, several contacts, and my doctors information.

This is a must read letter from a Widow who is a Chartered Accountant….Hello Friends,Few things I learnt after my husband’s death.We always believe we will live forever & bad things always happen to others.Only when things hit us bang on our head do we realize… Life is sounpredictable….!My husband was an IT guy. All techie. And I am a Chartered Accountant.Awesome combination you may think.Techie guy, so everything is on his laptop....his 'to do' list, hise-bill and his bank statements in his email. He even maintained afolder which said IMPWDS, wherein he stored all Login id and passwords for all his online accounts. And even his laptop had a password.Techie guy, so all the passwords were alpha-numeric with a special character not an easy one to crack. Office policy said passwords needed to be changed every 30 days. So every time I accessed his laptop I would realise it’s a new password again. I would simply opt to ask him, ‘What’s the latest password?’ instead of taking the painto memorize it.You may think me being a Chartered Accountant would mean that everything is documented and filed properly. Alas, many of my Chartered Accountant friends would agree that the precision we followwith our office documents and papers do not flow in to 'day to day' home life.At office, you have to be an epitome of Reliability /Competence / Diligence, etc., but at home, it's "there is always atomorrow".One fine evening, my hubby expired in a bike accident on his way home from office. He was just 33. His laptop with all his data crashed.Everything on his hard disk wiped off. No folder of IMPWDS to referback to. His mobile with all the numbers on it was smashed. But, that was just the beginning. I realized I had lot to learn.Nine years married to one of the best human beings, with nokids......just the two of us to fall back on.....but now I stood allalone and lost!Being a C. A. helped in more ways than one, but it was not enough. I needed help. His saving bank accounts & his salary bank accounts had no nominee. On his insurance, his mom was the nominee and she had expired almost 2 years back. But this was just a start. I didn’t know the password to his email account where all his e-bills came. I didn’tknow which expenses he paid by issuing 'standing instructions'.His office front too was not easy. His department had changedrecently. I didn’t know his reporting boss's name to start with. When had he last claimed his shift allowance; his mobile reimbursement?The house that we had bought with all the excitement was on a bank loan. Thought that with our joint salaries, we could afford the EMI.When the home loans guys suggested insurance on the loan, we decided that instead of paying the premium on the insurance, the difference in the EMI on account of the insurance could be used to pay towards prepayment of the loan and bring the tenure down. We never thought what we would do if we have to live on a single salary. So now there was huge EMI to look into.I realized I was in for a long haul.Road accident case. So everywhere I needed a Death Certificate, FIR report, Postmortem report, etc. For everything there were formsrunning into pages, Indemnity Bonds, Notary, Surety to stand up for you, 'No objection' certificates from your co-heirs, etc., etc.I learnt other than your house, your land, your car, your bike arealso your property. So what if you are the joint owner of the flat?You don’t become the owner just because your hubby is no more. So what if your hubby expired in a bike accident and you are the nominee, but if the bike is in a repairable condition, you have to get the biketransferred in your name to claim the insurance. And that was again not easy. The bike or car cannot be transferred in your name without going through a set of legal documents. Getting a Succession Certificate is another battle altogether.Then came the time you realize that now you have to start changing all the bills, assets in your name. Your gas connection, electricity meter, your own house, your car, your investments and all sundries.And then, change all the nominations where your own investments are concerned. And again, a start of a new set of paperwork.To say I was shaken, my whole life had just turned upside down, was an understatement. You realize you don’t have time to mourn and grieve for the person with whom you had spent the best years of your life, because you are busy sorting all the paper work.I realized then how much I had taken life for granted. I thought being a chartered accountant, I am undergoing so many difficulties. What would happen to someone who was a home maker, who wouldn’t understandthis legal hotchpotch?A sweet friend then told me, "Dear, this was not an end. You have no kids; your assets will be for all who stand to claim after my hubby’s sudden death. I realized it was time I took life more seriously. I now needed to make a Will. I would have laughed, if a few months back, ifhe had asked me to make one. But now, life had taken a challenging twist.Lessons learnt this hard way were meant to be shared. After all, why should the people whom we love the most suffer after we are no more?Sorting some paperwork before we go will at least ease some of their grief.1. Check all your nominations:It’s a usual practice to put a name (i.e., in the first place if youhave mentioned it) and royally forget about it. Most of us have named one of our parents as a nominee for investments, bank accounts opened before marriage. We have not changed the same even years after theyare no longer there with us. Even your salary account usually has no nomination. Therefore, kindly check all your Nominations.- Bank Accounts- Fixed Deposits, NSC- Bank Lockers- Demat Accounts- Insurance (Life, Bike or Car or Property)- Investments- PF & Pension Forms2. Passwords:We have passwords for practically everything. Email accounts, Bank accounts; even for the laptop you use. What happens when your next ofkin cannot access any of these simply because they do not know your password. Put it down on a paper.3. Investments:Every year, for tax purposes, we do investments. Do we maintain a excel sheet about it. If so, is it on the same laptop of which thepassword is not shared? Where are those physical investments hard copies?4. Will:Make a Will. I know you will smile; even I would. Had I not gonethrough all what I did. It would have made my life lot easier, a lotless paperwork. I wouldn’t have had to provide an indemnity bond, get it signNowd, ask a Surety to stand up for me, no 'no objection'certificates from others, etc.5.Liabilities:When you take a loan say for your house or car, check out on all thewhat ifs.....what if I am not there tomorrow? what if I lose my job?Will the EMI still be within my range? If not, get an insurance on the loan. The people left behind will not have to worry on something as basic as their own house.My battles have just begun…But let us at least try and make fewchanges so that our loved ones would not suffer after we go. We do not know what will happen in the future. But, as the Scout motto goes: “Be prepared.”I had read this story long back on facebook, so thought of sharing it.

I have a few times. People are so quick to call. I will use for example a time I was asleep sick and didn’t pick my son up on time and the police came to the house and woke me up. My husband is deceased so I don’t have help. It is legitimate to be sick and asleep, not if it occurs constantly but we are all human. The cop notified CPSWhat to do:dont answer the door, there is no law requiring you to answer the door, they will leave their cardwhen calling them from card left record you talking on the phone. In my state I can’t record another person without them knowing but I can record my end of the conversation.you are not required to participate in their investigation, they will say it’s our policy….which it is. It’s also the law you are not obligated to participate or allow a home check or to speak with your child.many CPS advocates will state don’t say anything, which I agree with but on a case by case situation. I used the example above to show in this situation I told the worker I was sick, etc. and the steps I have already taken to ensure it doesn’t happen again. If it is something founded and can be resolved like this situation then I feel it’s best to state that. So I told them I gave the complex the ability to enter my home if for some reason I am not answering the phone when the school calls. So they want to see problem and resolution. Obviously if it is an unfounded aligation there can not be a resolution, or if you don’t want to tell them a resolution….you have the right. Simply tell them you are not participating in their investigation and your child is safe and well cared for.They will ask you questions like where do you get your income from or how do you discipline. In the example above I stated - that is not relevant to the situation that occurred. Otherwise you say - I am not participating in your investigation. It’s just a fishing expedition to find what they can use against you. You could be called on for making your son sleep on the moon every night (something obviously false) but then get into a case because they determined you have mental health issues that are affecting your parenting. So you tell them NO information (except for the limited info I mentioned above if the circustsatances warrant it). Simply state - I am choosing not to participate in your investigation.Make sure to verbally state - I do not allow you to speak to my childthey will say they need to come see the home. Nope. Absolutely under any circumstances do you ever let them come into your home. I have seen kids be taken for dirty dishes, it’s just a way to find something to use against you. They are an officer of the court, which means to enter your home they need a warrant. On the phone when they say we need to do a home visit, simply state, you may as long as you have a warrant. They won’t have one, they need your permission to get into the homewhat if they come to the house with a cop? The cop is not there to enforce or back up anything the worker is stating. The cop comes technically for the worker protection, but they use it as a manipulative tactic to make it seem like what they are stating (whatever they want - entry into the home, you to do a drug test - even removal of child) is backed up by the law and it isn’t. If you answer the door you should not answer know the cop is not there to enforce anything or to back up or legitimize anything the worker states.Removal of child….you know how extremely difficult it is to get a child removed. Very difficult. But Michelle they are removed all the time? Nope they are not. They are voluntarily handed over through manipulation. The worker can and will lie to you. If worker comes to the door with a cop and says we are removing your child get his things, go get him. And you do, they didn’t remove the child….you GAVE them the child. The worker needs you to give them the child and they will lie to do it. When I help parents of babies I tell them not to hold the baby, put the baby down. The worker can not go pick up and take the baby, they have to be given the baby. Never give your child to them despite what they might be saying. They are just trying to convince you to hand the child over. Never bring your child to their office, that is bringing the child to them to take. If you are in the first contacts with CPS and your bring your child to their office don’t expect to bring your child home.When they can TAKE your child they will have a warrant and a court order. It needs to list both your name and the child’s name. Make sure it is spelled correctly. There is another warrant called a warrant to investigate which is worthless. They already were investigating they didn’t need a warrant to do it. However they will get this meaningless warrant because it says warrant and looks official and confusing and is signed by a judge and try to use that to either get you to do something you were refusing to (like take a drug test) get into your home, or take your child. If they present a warrant look at it. If it’s a warrant to investigate tell them they already had the ability to investigate….you still have the right not to participate. For it to be a removal of a child it needs to state - warrant for removal and have a court order to remove the child - and SIGNED by a judge! So many times I see a worker try to use some document try make at the office and make it look official. Even try to use the word judge in whoever signs it. I appoint you judge of all signatures, now sign and I can put judge as your title. Check the name of the “judge” and google it, is it really a judge. These warrants for removal are very hard to get and is the only way CPS can take a child. Every other child they take is technically voluntarily given to them.just as a note the other way a child can be removed is during a crime, or in the act of neglect/abuse. That does not mean the worker shows up and thinks there is abuse, it means police come in your house for domestic disturbance and you are shooting up drugs while kids are hungry in the same diaper for 3 days, or during a DUI with a child in the car. It’s criminal abuse and neglect - if you are reading this then this likely doesn’t apply to you because these are the cases where children SHOULD be taken and those parents don’t research what to do. Then the worker has 3 days to get the court order to remove the child.So what happens when you don’t participate, after 30 days they have to close the case as unfounded or one of the many reasons why they close a case. So know you will hear from them in the beginning and as that 30 days comes around you will likely hear from them again as they try again to get in your home or get information from you. Simply state - I am not participating in your investigation. It is your right. Don’t ignore the rights you have.Never give them your child, they need to physically take the child, and not you giving permission for them to take the child. State you are not giving them your child. Then they need to barge into your house without a warrant and grab a child they have no right to take….which isn’t going to happen. If they need to see the child for marks or bruises (if relevant to allegation) let them know you will have them seen by their pediatrician and you will have a report by the pediatrician available for court if needs be. When they ask who the pediatrician is simply state - I am not providing that information. When they ask for a copy of the report state - it will be available for the judge if there is a court date. Then they don’t know what the report says, they are not going to go to a judge saying a child needs to be removed for abuse when the parent can hand the judge a report from the child’s dr stating no signs of abuse. Do not give them any info, do not let them inspect your child because they will always find something.Remember they are not looking for the truth, they are looking for what they can use to fit the narrative they already decided.They are not your friend, they are not trying to help you. If there are 2 parents they will try to pin you against each other. To resolve this….just don’t talk to them. If you give them nothing they have nothing. Then the allegation is just that, an allegation. It’s not proven to be true or false. It’s just an allegation, yeah allegations suck, but allegations don’t get your child taken alway. You get your child taken away when you start talking to them.I have helped many parents keep their kids when CPS came knocking. Contact me if need further help.

Emergency dental service is the immediate medical attention required for some dental injuries. It is crucial to attend to dental emergencies promptly. There are different types of dental emergencies, and some of the more serious injuries require quick attention and treatment while others can be treated within a day. It is important that the emergency dentist can be contacted on short notice for prompt treatment.Knocked-out tooth, fractured tooth, sudden swelling, loose teeth or teeth out of alignment, injuries to gums or mouth and lost fillings, crowns, or restorations are some of the common emergency dental injuries.

The Emergency & Accessibility Loan Program is designed to provide financial assistance to individuals and businesses in urgent need of funds. This program helps cover unexpected expenses, ensuring you have access to the resources necessary for your immediate financial needs. With flexible terms, it caters to those facing emergencies or accessibility challenges.

Applying for the Emergency & Accessibility Loan Program is simple and straightforward. You can complete your application online through our user-friendly platform, providing essential information and documentation. Once submitted, our team will review your application and get back to you promptly with the next steps.

Eligibility for the Emergency & Accessibility Loan Program typically includes being a resident or business owner in the designated service area. Applicants must demonstrate a need for financial assistance due to an emergency or accessibility issue. Specific requirements may vary, so it's best to review the detailed guidelines on our website.

The Emergency & Accessibility Loan Program can cover a wide range of expenses, including medical bills, home repairs, and essential living costs. Additionally, it may assist with accessibility modifications to homes or businesses, ensuring that everyone has the resources they need. This flexibility makes it a valuable option for various urgent financial situations.

Interest rates and fees for the Emergency & Accessibility Loan Program are competitive and designed to be affordable for all applicants. We strive to provide transparent information regarding any associated costs during the application process. It's essential to review the terms outlined in your loan agreement to fully understand your financial commitment.

Once your application for the Emergency & Accessibility Loan Program is approved, funds can be disbursed quickly, often within 24 to 48 hours. This rapid response is crucial for those facing urgent financial situations. Our goal is to ensure you have access to the funds you need as soon as possible.

Yes, the Emergency & Accessibility Loan Program allows you to manage your account online through our secure platform. You can check your loan status, make payments, and access important documents all in one place. This convenience ensures you have full control over your financial management.