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GOP primary in Fla. House Dist. 22 comes down to jobs

GOP primary in Fla. House Dist. 22 comes down to jobs
For the three Florida House District 22 GOP candidates, the race to fill Rep. Larry Cretul’s seat mostly comes down to jobs, and how to make more of them for Floridians.

Read more on The Ocala Star-Banner

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Adler, three House Democrats form group to control spending

Adler, three House Democrats form group to control spending
A New Jersey congressman is joining three other House Democrats to form a new group whose main focus is to cut spending, tame the growing federal deficit and reduce the national debt.

Read more on Courier-Post

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GOP, Dems woo wary voters in bid to control House

GOP, Dems woo wary voters in bid to control House
SCOTTSVILLE, Va.—If Republicans are to harness enough voter anger to take control of the House this fall, they’ll have to oust freshmen lawmakers such as Tom Perriello of Virginia, who won his seat two years ago by just 727 votes.

Read more on El Paso Times

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House approves overhaul of flood insurance program

House approves overhaul of flood insurance program
WASHINGTON — Some subsidies would be ended and a measure of financial health would be restored under a House-approved overhaul  of a program that provides flood insurance to more than 5 million homeowners and businesses in flood-prone areas. The legislation, which approves operations of the National Flood Insurance Program for five years, also allows for some premium and deductible increases as …

Read more on WWL-TV, Channel 4 New Orleans

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First Time house purchaser Grants – How Will I am getting Fed Grant to get a Dream Home For the 1st Time?

The US people can own their dream house by availing 2009 Impulse Package. The package would help the home owners through tax credits, grants & loans. There are some points that would help you to understand the advantages offered in government grants for first time home buyers.

Government grants for first time home buyers

Any individual who does not own a primary house on his or her name for past three years or more is eligible to get the grants for the 1st time home buyer. In the event of a couple, both the partners must not have a home in their name for last three years. The house in consideration must be found in the States and the person applying for it has to be a US citizen above eighteen years of age.

Another key point is that the house that you are buying must only be meant for the principle use. If one has got the house as a present or as an inherited property you can not get the 1st time house buyer grants.

What is the quantity of the benefits?

Depending on when you have purchased the home, the quantity of tax break you are fit for would alter. Between Jan first, 2009 & December 1, 2009 the limit is up to $ 8000. From April 1, 2008 & before Jan one, 2009, they now qualify for a tax credit up to $ 7,500. In contrast to the 2008 tax subsidies, this year one does not have to pay down the amount.

How are you avail the government grants for first time home buyers?

To avail any or all of of the tax benefits you can directly contact the FHA ( Fed Housing Administration) & HUD (US Federal Housing & Urban Development Department) through their official website or the HUD counselors.
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Rene Kirkowns and operates government grants for first time home buyers site government grants for first time home buyers

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Congressman Flake Delivers House Floor Speech on Trade and Agricultural Subsidies


Congressman Flake discusses the recent trade litigation between the US and Brazil and the need for Congress to reform US cotton programs and other agricultural subsidies.

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AMA, AARP back House health care bill

The push to overhaul health care received a major boost Thursday as the American Medical Association and AARP endorsed legislation drafted by top House Democrats.

The AARP, the nation’s largest organization of older Americans, is a nonpartisan group that advocates for people 50 and older. The AMA, historically an opponent of health care reform, is considered one the nation’s most influential doctors’ advocacy groups.

“I want to thank both organizations again for their support, and I urge Congress to listen to AARP, listen to the AMA and pass this reform for hundreds of millions of Americans who will benefit from it,” President Obama said at the White House.

The backing of those two groups comes as House Speaker Nancy Pelosi, D-California, oversees final changes to the $1.1 trillion health care bill. The measure likely will come to a final vote Saturday.

A 42-page manager’s amendment on the health care legislation posted Tuesday night made mostly technical changes in the nearly 2,000-page bill compiled from three Democratic proposals passed by three House committees.

By making the changes public Tuesday, House Democratic leaders could open floor debate on the bill Friday, while fulfilling their pledge to allow 72 hours of review before bringing the measure to the full chamber.

Pelosi insisted Thursday she will have the 218 votes necessary to pass the bill. Meanwhile, President Obama is set to huddle Friday with congressional Democrats on Capitol Hill to review the legislation.

In a statement, AARP CEO Barry Rand said, “We started this debate more than two years ago with the twin goals of making coverage affordable to our younger members and protecting Medicare for seniors.

“We can say with confidence that [the House bill] meets those goals with improved benefits for people in Medicare and needed health insurance market reforms to help ensure every American can purchase affordable health coverage.”

The AMA’s president, Dr. J. James Rohack, told reporters Thursday that the legislation is “not a perfect representation of our views” but is close enough to warrant his group’s support and keep the reform process moving forward.

Rohack said the bill needs to be accompanied by legislation reversing scheduled Medicare reimbursement payment reductions to physicians.

Responding to the AMA endorsement, Obama said the doctors’ group is “supporting reform because [its members have] seen firsthand what’s broken about our health care system,” Obama said.

“They would not be supporting it if they really believed that it would lead to government bureaucrats making decisions that are best left to doctors.”

Meanwhile, House Republicans on Thursday continued to signal their opposition to the measure. GOP leaders held a rally on Capitol Hill along with “Tea Party” movement protesters and other activists to warn that the House legislation would translate into a full-blown government takeover of the health care system.

Rep. Michele Bachmann, R-Minnesota, told CNN’s “American Morning” on Thursday that Democrats had forgotten the lessons of August’s town hall meetings when angry conservatives severely criticized health care legislation.

“I think what we’re going to see is the town hall coming to Washington, D.C., just to remind members of Congress [that] we’re the ones we would like you to pay attention to, not lobbyists. And we don’t want the government to own our health care,” Bachmann said.

Speaking at Thursday’s opposition rally, actor John Ratzenberger, who played Cliff on the sitcom “Cheers,” slammed the Democratic bill as a form of socialism.

“These are Woodstock Democrats,” Ratzenberger said. “We have to remember where their philosophy comes. It doesn’t come from America. It comes from overseas. It comes from socialism. And socialism is a philosophy of failure.”

House Democrats have rejected an alternative $60 billion Republican plan as inadequate for meeting the goals of expanding health coverage to most of the nation’s 46 million uninsured while bringing down costs and ending controversial industry practices such as denying coverage for pre-existing conditions.

Pelosi’s bill would extend insurance coverage to 36 million uncovered Americans and guarantee that 96 percent of Americans have coverage, according to the Democratic leadership.

The claim is based on an analysis by the nonpartisan Congressional Budget Office.

Among other things, the bill would subsidize insurance for poorer Americans and create health insurance exchanges to make it easier for small groups and individuals to purchase coverage. It also would cap annual out-of-pocket expenses and prevent insurance companies from denying coverage for pre-existing conditions.

Pelosi’s office has said the bill would cut the federal deficit by roughly $30 billion over the next decade. The measure is financed through a combination of a tax surcharge on wealthy Americans and spending constraints in Medicare and Medicaid.

Specifically, individuals with annual incomes more than $500,000 — as well as families earning more than $1 million — would face a 5.4 percent income tax surcharge. Growth in Medicare expenditures would be cut by 1.3 percent annually.

The House bill also includes a government-run public option. Under the House plan, health care providers would be allowed to negotiate reimbursement rates with the federal government. Pelosi and other liberal Democrats had argued for a more “robust” public option that would tie reimbursement rates for providers and hospitals to Medicare rates plus a 5 percent increase. Several Democrats representing rural areas, however, killed the proposal after complaining that doctors and hospitals in their districts would be shortchanged under such a formula.

One thorny issue yet to be resolved among House Democrats is the bill’s final language on abortion. Rep. Bart Stupak, D-Michigan, has been pushing leaders to add stronger language prohibiting the use of federal money to pay for abortions under the health care overhaul.

Stupak has vowed that if he isn’t allowed a vote on the issue, a group of 40 anti-abortion Democrats will work to block the bill from getting to the House floor.

The House bill differs from legislation the Senate is considering in a number of critical ways. Senate Majority Leader Harry Reid, D-Nevada, also favors a public option but would allow individual states to opt out of the plan.

An $829 billion bill recently passed by the Senate Finance Committee does not include a tax surcharge on the wealthy but would impose a new tax on high-end health care policies, which critics have dubbed “Cadillac” plans. A large number of House Democrats are opposed to taxing those policies, arguing that such a move would hurt union members who traded higher salaries for more generous benefits.

Individuals under the $829 billion Finance Committee plan would be required to purchase health insurance coverage or face a fine of up to $750. The House bill imposes a more stringent fine of up to 2.5 percent of an individual’s income. Both versions include a hardship exemption for poorer Americans.

The Finance Committee bill would require large companies to contribute to the health care costs of lower income workers if those workers received a government subsidy for insurance. The House legislation would require larger companies to provide employee insurance for everyone or pay a penalty of up to 8 percent of total revenue.

Democratic leaders in both chambers agree on establishing nonprofit health care cooperatives and stripping insurance companies of an anti-trust exemption that has been in place since the end of World War II.

Reid refused Tuesday to predict when the chamber would pass a health care bill, possibly signaling difficulty in generating support from his entire Democratic caucus.

Part of the holdup is that Reid is waiting for the Congressional Budget Office to finish its cost analysis of his legislation. The report was expected this week but likely won’t be ready until at least next week, several Democratic senators said.

Some Senate moderates also have expressed concern over the public option included in Reid’s plan.

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Animal House

Late Saturday night after a wild open debate, the US House of Representatives passed the Obamacare Health bill by the slim margin of 220-215! After months of acrimonious partisanship, Democrats closed ranks on a 220-215 vote that included 39 defections, mostly from the party’s conservative ranks. So, Nancy now has HER bill. Now what? 

The House legislation would for the first time require every individual to obtain insurance, and would require all but the smallest employers to provide coverage to their workers. It would vastly expand Medicaid and create a new marketplace where people could obtain federal subsidies to buy insurance from private companies or from a new government-run insurance plan.

Wasn’t America against a government run plan?

Though some people would receive no benefits — including about 6 million illegal immigrants, according to congressional estimates — the bill would virtually close the coverage gap for people who do not have access to health-care coverage through their jobs. But why discuss just what Nancy wanted, what will the Senate bill look like, or will there even be one?

This isn’t a done deal you know.

After a narrow win in the U.S. House of Representatives, President Barack Obama’s fight for a sweeping healthcare overhaul moves to the U.S. Senate where it faces a difficult path to approval. The Senate’s version of healthcare reform has been stalled as Democratic leader Harry Reid awaits cost estimates from congressional budget analysts and searches for an approach that can win the 60 votes needed to overcome Republican procedural hurdles.

Reid has made his toughest decision in merging the separate bills passed by the Finance and Health panels: He included a national government-run public insurance option, which was part of the Health bill but was not in the Finance measure. Reid also included a compromise that would allow states to decline to participate, or “opt out,” of the government-run program — an effort to appease moderates, most from conservative Republican-leaning states, who oppose a national public option.

Obviously if thee IS a Senate bill, it will be greatly different than the House.

Reid has little margin for error — Democrats control exactly 60 votes, the number needed to overcome procedural hurdles and pass a bill. Most of the dozen or so Democratic moderates in the Senate remain uncommitted or oppose the public option.

So, now the focus moves from animal house to the Senate chambers.  :-)

As a spiritual-futurist, I have a BA degree majoring in history. One cannot know the future without knowing the past which holds clues to what is on the horizon. The world is in such a rapid expansion of knowledge that we are close to entering a tipping point that will forever change earth as we know it.

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Despite House approval, health care reform faces tough battle

Narrow passage of a sweeping health care bill by the House of Representatives portends a continuing difficult fight for President Obama and fellow Democrats to get a bill through the Senate and into law.

The House voted 220-215 late Saturday, with 39 Democrats opposed and one Republican in favor, to approve what would be the biggest expansion of health care coverage since Medicare was created more than 40 years ago.

The Affordable Health Care for America Act, or H.R. 3962, restricts insurance companies from denying coverage to anyone with a pre-existing condition or charging higher premiums based on gender or medical history. It also provides federal subsidies to those who cannot afford it. And it guarantees coverage for 96 percent of Americans, according to the nonpartisan Congressional Budget Office.

But turning the bill into law remains uncertain. The Senate must now pass its own version of a health care bill, and Senate Majority Leader Harry Reid of Nevada last week signaled uncertainty over whether that will happen this year.

Once both chambers have passed a bill, a congressional conference committee will merge the two proposals into a consensus version that would require final approval from each chamber and Obama’s signature.

On Sunday, Obama praised the “historic” House vote to pass the bill and called on the Senate to “take the baton” and complete its work.

“For years, we’ve been told that this couldn’t be done,” Obama said, citing the decades of failed health care reform efforts. “Last night, the House proved differently.”

The president called the support by many House members “courageous” in the face of “the heated and often misleading rhetoric around this legislation.”

“Now it falls on the United States Senate to take the baton and bring this effort to the finish line on behalf of the American people,” Obama said. “And I’m absolutely confident that they will.”

However, Republicans and an independent senator who sits with the Democratic caucus signaled Sunday that difficulties remain for Obama on his top domestic priority.

Sen. Joseph Lieberman, an independent from Connecticut, reiterated that he would join a Republican filibuster against a health care bill if it contains a government-run public health insurance option after the chamber’s amendment process.

Speaking on “Fox News Sunday,” Lieberman called the controversial public option, which is in the House bill and the Senate version being prepared by Reid, an unnecessary provision intended to bring government-run health insurance in the future.

“If the public option is in there, as a matter of conscience, I will not allow the bill to come to a final vote,” Lieberman said. He previously has said he won’t oppose opening Senate debate on the bill despite the public option provision, and he maintained that stance Sunday.

Lieberman’s stance is crucial because the Democratic caucus has the minimum 60 votes to overcome a Republican filibuster. Senate Republicans unanimously oppose the public option, though Sen. Olympia Snowe of Maine has floated the possible compromise idea of a trigger mechanism that would mandate a public option in the future if thresholds for expanded coverage and lower costs go unmet.

The lone House Republican who supported the bill, Rep. Anh “Joseph” Cao, told CNN on Sunday he put the needs of his district over the desire of his party.

A lot of my constituents are uninsured. … It was the right decision for the people of my district.
–Rep. Anh “Joseph” Cao, R-Louisiana

Cao’s “yes” vote ended up being unnecessary for House Democrats, but it gave House Speaker Nancy Pelosi license to tout bipartisan support for the controversial measure.

“I felt last night’s decision was the proper decision for my district, even though it was not the popular decision for my party,” said Cao, a first-term representative from Louisiana’s traditionally Democratic 2nd District. “A lot of my constituents are uninsured, a lot of them are poor. It was the right decision for the people of my district.”

Cao acknowledged he extracted some White House pledges to help his district deal with the continuing effects of Hurricane Katrina in exchange for his vote. Asked about the reaction of fellow Republicans, Cao said the party’s leaders “respect my decision, and I respect theirs.”

Also Sunday, Rep. Mike Pence of Indiana, the chamber’s third-ranking Republican, said on the Fox program that Democrats were ignoring the wishes of the American public by pushing through the huge health care bill.

Pence said the health care bill would raise costs, increase the deficit and lead to a government takeover of the health care system.

“I think the American people are deeply frustrated with the liberal establishment in Washington,” Pence said. “If Democrats keep ignoring the American people, their party’s going to be history.”

Democratic Rep. Chris Van Hollen of Maryland responded on the same show that the Congressional Budget Office reported that the House bill would reduce the deficit.

I think the American people are deeply frustrated with the liberal establishment in Washington.
–Rep. Mike Pence, R-Indiana

Van Hollen chided Republicans for failing to confront rising health care costs harming the U.S. economy during the years they controlled the White House and Congress.

“We’ve had a great system for insurance companies,” Van Hollen said, citing large industry profits as Americans face what he called unfair practices such as having coverage denied for pre-existing conditions. “This is a message to the American people; we’re trying to bring down your costs to help more Americans afford health insurance.”

The House vote less than an hour before midnight Saturday was full of drama. With eight seconds left in the voting period, Democrats began counting down and erupted in roars when Pelosi declared, “The bill is passed” and banged the gavel.

Republican lawmakers stood silently across the floor, some with their arms folded across their chests.

“Well, it was about what I thought it would be,” said House Republican Leader John Boehner of Ohio as he quickly exited.

Later, he issued a statement saying the $1.2 trillion legislation would add to the country’s “skyrocketing” debt.

“I came here to renew the American Dream, so my kids and their kids have the same opportunities I had,” Boehner said. “I came here to fight big-government monstrosities like this bill that dim the light of freedom and diminish opportunity for future generations.”

Michael Steele, the chairman of the Republican National Committee, released an equally tersely worded statement.

This is a message to the American people; we’re trying to … help more Americans afford health insurance.
–Rep. Chris Van Hollen, D-Maryland

“Nancy Pelosi and her liberal lieutenants made a lot of promises today to get the votes they desperately needed,” he said. “Make no mistake — the Democrat leadership’s assurances were based on political expediency, not principle. Anyone receiving a promise from Pelosi is guaranteed to be disappointed in the end when their votes are no longer needed.”

Earlier in the day, Obama met behind closed doors with Democrats to shore up support for the bill, calling it a chance of a generation.

In the run-up to the vote, Republicans and conservative Democrats joined forces to pass an amendment to the bill to prohibit federal funds for abortion services.

It was considered a big win for them and for the U.S. Conference of Catholic Bishops, which used its power — especially with conservative Democrats in swing congressional districts — to help force Democratic leaders to permit a vote on the amendment.

The prohibition, introduced by Democratic members — including Rep. Brad Ellsworth of Indiana and Rep. Bart Stupak of Michigan — would exclude cases of rape, incest or if the mother’s life is in danger.

The GOP accounted for 174 of the votes in favor of the amendment, with one Republican voting “present.”

On the Democrats’ side, 64 voted for the measure, and 194 voted against.

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Minha Casa, Minha Vida’ (My House, My Life) Programme

The Minha Casa, Minha Vida (My House, My Life) campaign was launched by the Federal Government in the first quarter of 2009 as one of the means of reducing housing deficit in Brazil (of over 10 million houses) and improving the living conditions of the poorer sections of society.

With an initial governmental investment of over $64 BRL billion, 1 million houses are being built and allocated to families on a means tested basis (with more expected):
- Households with a total income of up to 3 times the minimum wage (currently at $465 BRL per month) can access the full allowance without any insurance and notary registration costs to pay;
- Households with a total income between 3 and 6 times the minimum wage can gain income supplements for loans; a discount on the cost of insurance; a 90% reduction of the notary registration cost and access to the guaranteed’ fund (which will cover in the case of unemployment, death or other specified circumstances);
- Households with a total income of between 6 and 10 the minimum wage can receive lower costs of insurance, an 80% reduction of the notary registration cost and access to the guaranteed’ fund.

The Minha Casa, Minha Vida (My House, My Life) campaign was announced by the Federal Government in March 2009 as one of the means of reducing the inequality gap and housing deficit in Brazil (of over 10 million houses).

With an initial governmental investment of over $64 BRL billion, 1 million houses are planned to be built and allocated to families on a means tested basis:

- Households with a total income of up to 3 times the minimum wage (currently at $465 BRL per month) can access the full allowance without any insurance and notary registration costs to pay;

- Households with a total income between 3 and 6 times the minimum wage can gain income supplements for loans; a discount on the cost of insurance; a 90% reduction of the notary registration cost and access to the guaranteed fund (which will cover in the case of unemployment, death or other specified circumstances);

- Households with a total income of between 6 and 10 the minimum wage can receive lower costs of insurance, an 80% reduction of the notary registration cost and access to the guaranteed fund.

*** ADMINISTRATION ***

Under the program (administered and governed by the Caixa Econica Federal), households are able to purchase a house with a close to zero interest rate and refinance it over 36 months. As an example, those households that are earning up to 3 times the minimum wage will be allowed to purchase a house up to the value of $BRL 52,000, for which the scheme will contribute $BRL 46,000 leaving the buyer to provide the remainder $BRL 6,000 this would (usually) be borrowed from the Caixa Econica Federal. Those in the higher income brackets are able to access smaller subsidies and finance packages. The maximum loan-to-value (LTV) ratio is 90 percent (80 percent for higher-income brackets) with interest rates ranging between 5 and 8 percent.

A number of incentives have also been granted to the Brazilian construction industry including loans at 1% above the TJLP (the long-term interest rate); reduced or completely eliminated tax structures; and extended repayment / grace periods. The Caixa Econica Federal approves each housing development in conjunction with state or municipal governments.

Homebuyers only have to make their first payments after they move in (whereas most developments would require payments pre-construction and usually a down-payment of some sort).

*** CRITICISMS ***

Minha Casa, Minha Vida has received some criticism from academics, the media and the Brazilian public themselves. One accusation is that the government developed the programme to attract voters; there is the fear that placing political interests above the financial practicality of sustaining the scheme is a dangerous game. Effectively giving loans to poor families has also been looked at as risky, particularly as this was the root cause of the US financial crisis. However, those managing the programme are firm that the Brazils orthodox banking system necessitates for sufficient precautions to be in place where lending decisions are made (only after the thorough checking of earnings declarations and credit records, for example).

Many middle class citizens express their frustration with the fact that they continue to pay high rates of interest with no comparable breaks.

*** MINHA CASA, MINHA VIDA’S FUTURE ***

The employment benefits of the increased construction workers required to meet the ever rising demand of the program has been noted and it has been one of the contributory factors of Brazil’s withstanding of the effects of the global financial crisis.

Furthermore, with a massive under supply of housing throughout the country, the building of new residential developments has long been called for – particularly amongst the lower-working classes.

Perhaps most importantly, the breakthrough in the ability of the poorer end of Brazilian society to better their lives cannot be underestimated and the majority see it as a long-overdue national project which will assist the countrys long-term growth. According to Milton Goldfarb, of Goldfarb Developments Brazil: this is a revolution … Brazil has never had a policy so clearly designed to provide housing for the poor and the lower middle classes.

We provide FREE e-books, state guides, news, facts, figures, hints and tips for anyone with an interest in real estate and land investment in Brazil: http://www.brazilinvestmentguide.com/

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