Is Your Pre-Paid Phone Card Company Committing a Felony?

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

State leaders look to fix Alaskan health issues

first_imgDownload AudioMedicaid is one of the biggest drivers of Alaska’s state spending.At the same time, Alaska has the nation’s highest suicide rate, and a growing problem with opioid addiction.There is a new effort to address both issues. State leaders believe they can lower the long term growth in Medicaid costs – and make Alaskans healthier mentally and physically.They plan to do that by better coordinating behavioral health care – the treatment of mental health and addiction.At a recent Senate Medicaid Reform Subcommittee hearing, Health Commissioner Valerie Davidson said it will be a challenge.“This is hard stuff,” Davidson said. “If it was easy, Alaska would have done it long ago. And the great news is we have folks who have come together who are really interested in really changing the way that we deliver behavioral health services in our state, so that Alaskans can get the care that they need.”In practice, it means more Alaskans will be screened for behavioral health issues in primary care settings. And a wider range of licensed counselors and therapists would be able to treat Medicaid recipients in a wider range of settings, like in a doctor’s office.Davidson says current gaps in behavioral health care lead to other problems.“We are seeing it in the number of children who experience in child maltreatment,” said Davidson. “And unfortunately, when we’re dealing with children, what we know is to the extent that that occurs, that can become a multigenerational issue, that if we don’t provide resources to family members who are in crisis where we have places where they can actually go to receive help, we are never going to get ahead of this problem.”A recent state-commissioned report recommended the state hire an organization that would increase the state’s capacity to provide behavioral health care, and manage a coordinated system.While that organization would cost more than five million dollars per year starting in 2018, the state projects that it would save a larger amount in future years.Despite the state’s massive budget deficit, Anchorage Republican Senator Cathy Giessel was on board.“I appreciate the encouragement to invest in behavioral health and frankly I view it in the same way as investing in oil and gas credits for exploration,” Geissel said. “It pays off in the long run, though it costs a bit upfront.”This coordinated approach is already practiced in some areas.For example, Southcentral Foundation serves Alaska Natives with psychologists and social workers who treat patients in the same health centers as primary care providers.The Alaska Mental Health Trust Authority board supports better integration of behavioral health care into the rest of the healthcare system.Chief Executive Jeff Jessee says state leaders and providers will have to work together like a baseball team.“The trustees believe this is the single biggest thing that the trust will encounter in our 20 years of history, this is an opportunity to truly transform our behavioral health and healthcare system,” said Jessee. “So, it’s the bottom of the ninth, we’re five runs down, we’re not bunting, and we’re not going to get one big swing either. We’re going to have to chunk away at this.”While the groundwork for statewide behavioral health changes would happen over  the next year under Governor Bill Walker’s proposed budget, the bulk of the changes wouldn’t occur until 2018.last_img read more