Is Your ACA Health Insurance Rebate in the Mail?

first_imgHas an organization or university offered you an opportunity with a stipend? Whether it’s an internship or apprenticeship, a stipend is a set amount of money that helps offset living expenses. This fixed amount is financial support provided while you’re… Full Story,Truth is, there is a lot to be excited about when it comes to college: new friends, a new routine, (college parties!), and more independence. But along with all these perks, it’s also time to start thinking about your finances…. Full Story,A routing number is a unique number that identifies a specific banking institution. Each routing number is made up of nine digits. Routing numbers are sometimes referred to as an American Banker’s Association routing transit number or an ABA RTN…. Full Story,It’s stressful enough having a car loan over your head and staying on top of your monthly payments. But what if you have an upside-down car loan — in other words, the amount you owe on your set of wheels… Full Story,When you’re trying to get your financial house in order, it’s easy to get lost in the specifics. You might stress about how to adjust your budget, where to find some extra cash for the holidays or what funds to… Full Story,Shortly after graduating from New York University with a Master’s degree, Melanie Lockert turned to food stamps, as she worked her way out of $81,000 in student loans. “There were a lot of emotions around carrying that debt. It caused… Full Story,Traveling is one of the best things in life, and luckily, low funds don’t have to dash your dreams of enjoying an epic adventure. A wealth of destinations—both in the U.S. and abroad—are so affordable that even hardcore penny pinchers… Full Story,While we don’t yet have flying cars that collapse to the size of a suitcase, pneumatic tubes that transport us from room to room or machines that automatically bathe and clothe us in the morning, every day we’re getting closer… Full Story,Times have changed since Grams and Gramps were your age, looking to settle down and buy their first home. But today the house with the white picket fence—or that trendy loft in downtown—isn’t completely out of the question if you… Full Story,We recently hosted a Twitter chat as part of our #RealTalkSeries. And let’s just say, things definitely got real. Many of you joined us to discuss “taboo” and cringe-worthy money questions such as how to improve a bad credit score,… Full Storylast_img read more

3 Ways Obama Could Help Fight Indonesia’s Massive Fires

first_imgThis post originally appeared on Grist.org.As President Obama and Indonesian President Joko Widodo meet today, climate change will be high on their agenda. A related, unexpected issue should also be on their radar: massive forest and land fires that have turned into a national, regional, and now global crisis for the new Indonesian administration.The fires in Indonesia are truly out of control, having spiked in recent weeks to their highest levels in years. More than 300,000 Indonesians have sought medical help for respiratory illnesses linked to the choking haze. Pollution levels are up to five times above what the World Health Organization considers to be hazardous levels. Schools and airports have been closed. The Indonesian government has already spent about $200 million to fight the fires and has recently accepted help from Singapore, Malaysia, and Australia. Yet this year’s fires will likely keep burning for at least another month. The total economic costs may exceed $14 billion.Further, the fires, which are largely burning on high-carbon peatland, have caused a spike in greenhouse gas emissions. New analysis finds several days recently where Indonesia’s greenhouse gas emissions from fires surpassed the daily level of emissions of the entire U.S. economy.These fires in Indonesia do not occur naturally. They are largely the result of a history of destructive land management, poor law enforcement, inadequate preparation, and sheer bad luck with an extended dry season caused by the El Niño now upsetting weather patterns globally.When the presidents meet, they should work together to respond to this crisis and reduce the risks of future fires. The U.S. can support better land management in Indonesia in three keys ways:Encourage responsible market forces and financial incentives: The United States can join global efforts to encourage more sustainable production of commodities like timber, pulp and paper, and palm oil. Forthcoming analysis from the World Resources Institute shows that company concessions certified as “sustainable” by the Roundtable on Sustainable Palm Oil have a markedly lower number of fires. Strong certification standards also exist for other products, including wood and paper. Consumers in the United States, including the government, buy vast quantities of paper, packaging and products containing palm oil — which is found in everything from shampoo to candy bars — and could give preference to manufacturers that source certified materials. This would send a signal to producers in Indonesia who manage vast areas of land. An even bolder move could be for the United States to join Norway in contributing “pay for performance” incentives if Indonesia achieves key milestones in better managing its forests and reducing emissions.Provide technical and scientific support: The U.S. government could expand technical support to Indonesia, like current projects by the U.S. Agency for International Development, on land use management and emissions reductions. Land conflict is often an underlying condition of fires in Indonesia. More resources are needed for Indonesia’s “One Map” initiative to resolve land conflicts by creating a single consistent and harmonized map of land use and ownership for all government agencies to work from. In addition, Indonesia needs support to better monitor its emissions from peat soil decomposition and burning. One idea would be to create competition for funding among U.S. and Indonesian universities to find creative solutions to these knotty technical challenges.Advance innovative technology: More U.S. support in technology should be marshalled. Leading technology companies, including Google, Esri, and satellite-operator Digital Globe, are already assisting with the fire-fighting effort by providing technology and expertise to Global Forest Watch, a platform coordinated by WRI that provides real-time maps and updates on the fires. An electronic permitting system in Indonesia would be extremely useful to streamline the murky world of licenses and maps for palm oil, pulpwood and logging concessions, which cover more than half of Indonesia’s forest land. Government, business and civil society should work together to develop procedures and systems for transparent, corruption-free land-use licensing.The timing of this visit between Obama and Widodo is fortuitous. Obama, of course, is very familiar with Indonesia, having spent some of his childhood years in the country. Now he has a chance to strengthen America’s ties with Indonesia, which is the second-largest democracy in Asia and has the fourth-largest population in the world. Together, these two leaders can deepen a partnership that will help improve the health of Indonesians, reduce greenhouse gas emissions, enhance sustainable commodity production, and lead to a healthier world for us all.last_img read more