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A friend of mine put together an awesome handwritten sign outlining why she's voting for President Obama this year, I think it says almost everything you need to know:Many Americans take it for granted that President Obama has been one of the most effective Presidents since FDR. It's important to remember just how bad things were when he took office and how much he's accomplished since he's been in office.We were hemorrhaging jobs when this President took office and now we've gone from 10% unemployment down to around 8.5%. If the recovery continues on this path, we'll be back to around 5% unemployment by 2016.It's not just about jobs though, President Obama has also worked to restore America's image around the world. When President Bush was in office we were invading countries for no reason, now we've left Iraq and are in the process of leaving Afghanistan.In case you needed a few other examples of what President Obama has accomplished I put together a list below:Extended child tax credits and marriage-penalty fixesCreated an Advanced Manufacturing Fund to invest in peer-reviewed manufacturing processesRequired economic justification for tax changesImplemented "Women Owned Business" contracting programChanged standards for determining broadband accessEstablished a credit card bill of rightsExpanded loan programs for small businessesExtended the Bush tax cuts for lower incomesExtended the 2007 Alternative MinimumTax patchClosed the "doughnut hole" in Medicare prescription drug planExpanded the Senior Corps volunteer programRequired insurance companies to cover pre-existing conditionsGave tax credits to those who need help to pay health premiumsRequired large employers to contribute to a national health planRequired children to have health insurance coverageExpanded eligibility for MedicaidExpanded eligibility for State Children's Health Insurance Fund (SCHIP)Required health plans to disclose how much of the premium goes to patient careEstablished an independent health institute to provide accurate and objective informationIn non-competitive markets, forced insurers to pay out a reasonable share of their premiums for patient careEliminated the higher subsidies to Medicare Advantage plansExpanded funding to train primary care providers and public health practitionersIncreased funding to expand community based prevention programsReinstated executive order to hire an additional 100,000 federal employees with disabilities within five years.Increased the Veterans Administration budget to recruit and retain more mental health professionalsExpanded the Veterans Administration's number of "centers of excellence" in specialty careAppointed a special adviser to the president on violence against womenFully funded the Violence Against Women ActDirected military leaders to end war in IraqBegan removing combat brigades from IraqCreated a military families advisory boardEnded the abuse of supplemental budgets for warMade U.S. military aid to Pakistan conditional on anti-terror effortsOpened "America Houses" in Islamic cities around the globeAllocated Homeland Security funding according to riskCreated a real National Infrastructure Protection PlanIncreased funding for local emergency planningExtended monitoring and verification provisions of the START I TreatyAppointed a White House Coordinator for Nuclear SecurityInitiated a grant and training program for law enforcement to deter cyber crimeImproved relations with Turkey, and its relations with Iraqi KurdsLaunched an international Add Value to Agriculture Initiative (AVTA)Created a rapid response fund for emerging democraciesGranted Americans unrestricted rights to visit family and send money to CubaRestored funding for the Byrne Justice Assistance Grant (Byrne/JAG) programEstablished an Energy Partnership for the AmericasExpanded the Nurse-Family Partnership to all low-income, first-time mothersRequired new hires to sign a form affirming their hiring was not due to political affiliation or contributions.Provided affordable, high-quality child careRecruited math and science degree graduates to the teaching professionReduced subsidies to private student lenders and protect student borrowersEncouraged water-conservation efforts in the WestIncreased funding for national parks and forestsIncreased funding for the Land and Water Conservation FundEncouraged farmers to use more renewable energy and be more energy efficientExpanded Pell grants for low-income studentsPursued a wildfire management planRemoved more brush, small trees and vegetation that fuel wildfiresExpanded access to places to hunt and fishPushed for enactment of Matthew Shepard Act, which expands hate crime law to include sexual orientation and other factorsRepealed "Don't Ask, Don't Tell" policyRestored funding to the EEOC and the U.S. Department of Labor's Office of Federal Contract Compliance ProgramsReformed mandatory minimum sentencesCreated a White House Office on Urban PolicyFully funded the Community Development Block Grant (CDBG)Established program to convert manufacturing centers into clean technology leadersEstablished 'Promise Neighborhoods' for areas of concentrated povertyWorked toward deploying a global climate change research and monitoring systemFunded a major expansion of AmeriCorpsCreated a Social Investment Fund NetworkBolstered the military's ability to speak differentlanguagesAppointed the nation's first Chief Technology OfficerProvided grants to early-career researchersWorked to overturn Ledbetter vs. GoodyearCreated a national declassification centerAppointed an American Indian policy adviserCreated new financial regulationsIncreased funding for land-grant collegesBanned lobbyist gifts to executive employeesSigned a "universal" health care billCreated new criminal penalties for mortgage fraudRequired 10 percent renewable energy by 2012Released oil from Strategic Petroleum ReserveRaised fuel economy standardsInvested in all types of alternative energyEnacted tax credit for consumers for plug-in hybrid carsAsked people and businesses to conserve electricityRequired more energy-efficient appliancesCreated a 'Green Vet Initiative' to promote environmental jobs for veteransCreated job training programs for clean technologiesRequired states to provide incentives for utilities to reduce energy consumptionSupported high-speed railSupported airline service in small townsInvested in public transportationEqualized tax breaks for driving and public transitConsidered "smart growth" in transportation fundingShared environmental technology with other countriesDoubled federal spending for research on clean fuelsProvided grants to encourage energy-efficient building codesIncreased funding for the Environmental Protection AgencyRaised the small business investment expensing limit to $250,000 through the end of 2009Extended unemployment insurance benefits andtemporarily suspend taxes on these benefitsSupported network neutrality on the InternetReversed restrictions on stem cell researchKilled Osama bin LadenDoubled funding for the Manufacturing Extension Partnership, a program that encourages manufacturing efficiencyIncluded environmental and labor standards in trade agreementsCreated an international tax haven watch listMade permanent the Research & Development tax creditRequired automatic enrollment in 401(k) plansRequired automatic enrollment in IRA plansCreated a consumer-friendly credit card rating systemCreated a $60 billion bank to fund roads and bridgesRequired full disclosure of company pension investments to employeesProvided easy-to-understand comparisons of the Medicare prescription drug plansInvested in electronic health information systemsPhased in requirements for health information technologyRequired that health plans utilize disease management programsRequired providers to report measures of health care costs and qualityHeld hospitals and health plans accountable for disparities in careImplemented and funded proven health intervention programsPrevented drug companies from blocking generic drugsAllowed Medicare to negotiate for cheaper drug pricesWorked with schools to create more healthful environments for childrenImproved recruitment of public health workersMandated insurance coverage of autism treatmentFully funded the Combating Autism Act and Federal Autism Research InitiativesDoubled federal funding for cancer researchIncreased participation in cancer-related clinical trialsFully funded the Individuals with Disabilities Education Act (IDEA)Set a national goal to provide re-screening for all 2-year-olds for developmental disordersCommissioned a study on students with disabilities and their transition to jobs or higher educationSet goals and timetables for implementing Section 503 of the Rehabilitation ActCreated a best practices list for private businesses in accommodating workers with disabilitiesLaunched educational initiative for employers on tax benefits of hiring employees with disabilitiesReduced the threshhold for the Family and Medical Leave Act from companies with 50 employees to companies with 25 employeesProvided a $1.5 billion fund to help states launch programs for paid family and medical leaveRequired employers to provide seven paid sick days per yearStreamlined the Social Security disability approval processExpanded Veterans Centers in rural areasEstablished standards of care for traumatic brain injury treatmentMade the Veterans Administration a national leader in health reformReduced the Veterans Benefits Administration claims backlogInstituted electronic record-keeping for the Veterans Benefits AdministrationExpanded housing vouchers program for homeless veteransLaunched a supportive services-housing program for veterans to prevent homelessnessExpanded the Family Medical Leave Act to include leave for domestic violence or sexual assaultFully funded debt cancellation for heavily indebted poor countriesCreated a fund for international small and medium enterprises (SME)Launched robust diplomatic effort with Iraq and its neighborsProvided $30 billion over 10 years to IsraelLimited Guard and Reserve deployments to one year for every six yearsEnded the "Stop-Loss" program of forcing troops to stay in service beyond their expected commitmentsFully and properly equipped troopsCreated a Civilian Assistance Corps that would organize private sector professionals to help in times of needIncluded humanitarian international missions in long-term budgetingReviewed weapons programsModernized ships and invested more in small vesselsSet standards for when the government should hire defense contractorsRestored the government's ability to manage contracts by rebuilding our contract officer corpsCreated a system of incentives and penalties for defense contractsEstablish a Global Education FundStrengthened the Proliferation Security Initiative (PSI) aimed at stopping spread of weapons of mass destructionOrganized successful Nonproliferation Treaty (NPT) Review Conference in 2010Expanded federal bioforensics program for tracking biological weaponsDeveloped a comprehensive cyber security and response strategyMandated standards for securing personal dataRequired companies to disclose personal information data breachesWorked to persuade the European Union to end credit guarantees to IranSeek to negotiate a political agreement on CyprusRestructured and streamlined USAIDIncreased the size of the foreign serviceUrged China to stop manipulation of its currency valuePressed China to end its support for regimes in Sudan, Burma, Iran and ZimbabweCreated a public "Contracts and Influence" databaseRequired Cabinet officials to host Internet town hall meetingsConducted regulatory agency business in publicPromoted more pre-school educationExpanded Early Head Start and Head StartReformed No Child Left BehindDoubled funding for Federal Charter School Program and require more accountabilityAddressed the dropout crisis by giving schools incentives for more dropout preventionCreated Teacher Residency Programs that will send teachers to high-need schoolsExpanded teacher mentoring programs and provide incentives for more planning timePromoted innovative ways to reward good teachersSimplified the application process for financial aidIncreased the number of high school students taking college-level coursesCreated incentives for tree planting and promote carbon sequestrationImproved water qualityRegulated pollution from major livestock operationsStrengthened federal environmental justice programsIncreased funding for organic and sustainable agriculturePartnered with landowners to conserve private landsCreated a community college partnership programIncreased funding for progams that conserve lands and habitat for select species such as the Osceola turkeySupported wetlands protectionPromoted economic development in MexicoSupported repeal of the Defense of Marriage Act (DOMA)Vigorously pursued hate crimes and civil rights abusesSigned the Deceptive Practices and Voter Intimidation Prevention Act into lawSupported regional innovation clustersHelped low-income areas get phone and Internet serviceCreated a Homeowner Obligation Made Explicit (HOME) score for mortgage comparisonsIncreased the supply of affordable housing throughout metropolitan regionsInvested in transitional jobs and career pathway programsFully funded the COPS programImproved emergency response plansCapped interest rates on payday loans and improve disclosureExpanded public/private partnerships between schools and arts organizationsImproved climate change data recordsSupported improved weather prediction programOffered prizes for advances in consumer technologyEncouraged contests and programs to interest students in scienceIncreased research opportunities for college studentsStrengthened the levees in New OrleansDirected revenues from offshore oil and gas drilling to increased coastal hurricane protectionShook loose federal money for rebuilding the Gulf Coast

The position is Pet Director. I created my position as a role in Human Resources as it requires interacting with employees and potentially sensitive conversations that are recorded for the employees personnel file.The company has an employee benefit which allows team members to bring up to two of their pets to work each day with no limitations on how many employees can bring them. Not a problem when the company had a large two story building with 100 employees and only half of them taking advantage of the benefit.Within a year the employees went from 100 to 450 with 83% bringing a pet or two. This included cats, so imagine 250 dogs of all shapes and sizes greeting a dozen cats each day.Initially the program was run by volunteer employees forming a team of 20 or so with delegates duties. Due to the inconsistencies and elevated risks of sick or injured pets and people, the need for a full time person to manage the benefit was evident. The volunteer team was dissolved and their duties became mine along with several other new responsibilities I owned. I set up a lab for internal parasite testing on pets, an emergency response team for injured pets in the office, training courses and classes for owners, pet play dates, pet walking team to walk employee pets daily and multiple other benefits within the benefit, and to top it all off, incorporated intact male dogs to the pack. All of this took place on a single open floor plan in our new building.My job was featured in the Seattle Times Cool Jobs in the December 28th, 2016 issue and several interviews throughout my job history with the changes to benefits I was able to have approved for employees to enjoy.All of this has lead to my current position as the Founder and Senior Consultant at Corporate Tails.

How To Get Your Student Loans Forgiven: Three PathsThere are three ways to have student loans forgiven and none of them are easily attainable. The first is based on the type of career you choose. The second is based on you how many years you make on-time payments while enrolled in a qualifying repayment plan. The last one requires a set of extraordinary circumstances that rarely come into play, but nonetheless could result in loan forgiveness. The first two are available for federal student loans only and the last one is achievable for federal or private student loans.Be aware that there is an important difference between having a loan “discharged” and having one “forgiven.” Loan forgiveness typically is given to someone who performs works at a qualified job, such as teaching in a high-need area, for a specific length of time and has the amount left on their student loan forgiven. Loan discharge is rare, but can be granted to borrowers who can’t repay the loan for a variety of reasons such as death, disability, fraud, identity theft and in very scarce circumstances, bankruptcy.Public Service Loan Forgiveness Program (PSLF)Public Service Loan Forgiveness was created by the College Cost Reduction and Access Act of 2007 to lessen the burden of student loans for highly-qualified graduates and encourage them to pursue careers in the public service sector.This forgiveness option is available for Direct Federal Student Loans; Direct Plus loans and Direct Consolidation loans. Private student loans are not eligible for Public Service Loan Forgiveness. To receive loan forgiveness under this program, you must be a full-time employee (at least 30 hours per week) in public service job and make 10 years of on-time monthly payments (120) after consolidating your federal loans in a qualified repayment program.This forgiveness option applies solely to Direct Federal Student Loans. Private student loans are not eligible for Public Service Loan Forgiveness. To receive loan forgiveness under this program, you must be a full-time employee (at least 30 hours per week) in public service job and make 10 years of on-time monthly payments (120) after consolidating your federal loans in a qualified repayment program.Public Service Jobs Qualifying for Public Service Loan Forgiveness:Any job in a government organization at the federal, state, local or tribal levelNot-for-profit organizations that are designated tax-exempt under Section 501(c)(3)Other not-for-profit organizations that are not tax-exempt but provide a qualifying public serviceFull-time AmeriCorps and Peace Corps volunteersThe most common public service careers are in education, law enforcement, health, public law, and veterinary medicine.Repayment Plans Qualifying for Public Service Loan ForgivenessIncome-Based Repayment Plan (IBR)Income-Contingent Repayment Plan (ICR)Pay As You Earn Repayment Plan (PAYE)Revised Pay As You Earn Repayment Plan (REPAYE)Note that the 10-year Standard Repayment Plan also is considered a qualifying plan, but because it is a 10-year plan, there won’t be any funds left to forgive. If you plan to enroll in a PSLF program, you need to enroll in a repayment plan that extends your loan term beyond 10 years.To apply for PSLF, you must fill out a Employment Certification Form every year and make pay stubs, W-2 forms or other documentation available as requested.The first wave of student loan borrowers eligible for loan forgiveness met their final required payment in October of 2017. News stories say that many of the people who thought they had qualified, were denied loan forgiveness because they didn’t meet the prescribed requirements.According to a 2017 report from the Consumer Financial Protection Bureau, more than 550,000 borrowers are expecting to have their loans forgiven. If you are enrolled in the program, you should track your progress at least once-a-year to be certain you are meeting all requirements.However, President Donald Trump has proposed eliminating the program to anyone who hasn’t enrolled by July 1, 2018. Congress hasn’t voted on that proposal as of the Spring of 2018. For more information on this path to loan forgiveness, visit Public Service Loan Forgiveness.Teacher Loan Forgiveness ProgramThe Teacher Loan Forgiveness program was created in 1998 to encourage teachers to take jobs at elementary schools, secondary schools and educational service agencies that serve low-income families. The U.S. Department of Education publishes the list of low-income elementary schools and secondary schools each year.You need to teach fulltime at a qualifying school for five full and consecutive years. Then you are eligible to have from $5,000 to up to $17,500 in loans forgiven.Only Direct subsidized and unsubsidized loans qualify. PLUS loans do not qualify. There are 13 states that offer some form of loan forgiveness for teachers, with varying requirements.Apply to the program by completing the Teacher Loan Forgiveness Application and submitting it to your loan servicer.Loan Forgiveness for NursesRegistered nurses, nurse practitioners and members of nursing faculty, who work in high-need population areas or areas where there is a critical shortage could qualify to have up to 85% of their loans forgiven under the NURSE Corps Loan Repayment Program.Qualified candidates can have 60% of their student loans forgiven for working two years in an underserved area. Another 25% could be forgiven for working three years. Some states also offer loan repayment assistance. Go to the Loan Forgiveness for Nurses website to see if yours is one of the 33 states that has one and what the eligibility requirements are.Loan Forgiveness for DoctorsThe healthcare professions, especially physicians, dentists, pharmacists and mental healthcare workers, have several options, both national and local, to receive loan forgiveness.The requirements and the amount forgiven vary dramatically, depending upon which program you enter. For example, the Navy Financial Assistance Program offers up to $275,000 in loan forgiveness in return for an eight-year commitment for active and reserve duty. The National Health Service Corps offers up to $50,000 in loan repayment for two years of work at an approved site.Check out the links to see the amount of loan forgiveness available and requirements for Army doctors; Indian Health Services, National Institute of Health, as well as state-by-state programs.Loan Forgiveness for LawyersLike most professions, there is a financial incentive for lawyers to spend a few years practicing in public service or government offices in order to have some portion of their law school loan forgiven. For example, the Department of Justice provides up to $60,000 in loan forgiveness for lawyers who work there for at least three years. The Air Force Judge Advocate program offers up to $65,000 in loan forgiveness.The best place to start looking might be your own law school, since several colleges forgive some or all of the student loans for students who make less than $60,000 a year. That amount varies, so check with your school to get actual requirements and amount forgiven. If you can't qualify for a forgiveness program, look into refinancing your law school debt.Loan Forgiveness for MilitaryEach branch of the military has programs that help qualified members pay off their student loans, but the loan amounts forgiven and the requirements that must be met vary dramatically.The best to find out all that is involved in military loan forgiveness is to visit the Complete Guide to Military Student Loan Forgiveness and Repayment and find the program that best suits your situation and branch of the military.Federal Perkins Loan CancellationFederal Perkins Loans have a separate forgiveness program because your school is the lender, not the federal government. To apply, contact the financial aid office at the school that administered your Perkins Loan and request the application forms. You need to be a full-time employee in a qualified career.Is your credit score is holding you back fro being approved a loan, If you want to raise your credit score and delete negatives or collections. Just let him know I referred you and he would be on hand to respond swiftly 4FICOREPAIR @ gmail com