Del. Dawn Adams (D-Richmond)

Photo of Dawn Adams
Party
Democratic
District
68: Counties of Chesterfield (part) and Henrico (part); City of Richmond (part) [map]
Took Office
January 2018
Next Election
November 2019
Committees
Agriculture, Chesapeake and Natural Resources, Militia, Police and Public Safety
Website
adamsfordelegate.com
Twitter
@DawnAdamsVA
Copatroning Habits
78% of bills she copatroned were introduced by Democrats. Of all of the copatrons of her bills, 83% of them are Democrats. Of all of the copatrons of all of the bills that she also copatroned, 70% of them are Democrats.
Partisanship
?
Tag Cloud ?
Bills Passed
0% in 2018
Recent Mentions in the Media

Blue Virginia: Video: In Richmond, Human Rights Campaign Holds Announces Major Investment in Virginia House and Senate Races

August 15, 2019 | 7:09 am
  See below as newly-installed Human Rights Campaign (HRC) President Alphonso David makes a special announcement regarding a major investment in the ...

St. Louis Record: St. Louis 22nd Judicial Circuit Court: Actions Taken on Aug. 6

August 14, 2019 | 9:45 am
  The St. Louis 22nd Judicial Circuit Court reported the following activity on Aug. 6 in the suits below:

St. Louis Record: Aug. 5: St. Louis 22nd Judicial Circuit Court docket for "personal injury" cases

August 13, 2019 | 9:55 am
  The following cases categorized as "personal injury" cases were on the docket in the St. Louis 22nd Judicial Circuit Court on Aug. 5. All case details are ...

Blue Virginia: Graphics: If Virginia Dems Want to Win in 100 Days, They MUST Break the Historic, Dramatic Voter Turnout “Dropoff” in Off/Odd Election Years

July 28, 2019 | 3:00 am
  Over at “Virginia's Conservative Voice,” Bearing Drift, Stephen Spiker has an excellent analysis on “How Vulnerable are Northam-won GOP Districts?” I definitely ...

Bearing Drift: How Vulnerable are Northam-won GOP Districts?

July 27, 2019 | 3:00 am
  In my Q2 fundraising round-up , I provided context for each district by showing the percentage that Ed Gillespie, the GOP nominee for Governor in 2017, received ...

From the Legislator’s Website

Low-Paid Workers And Their Mental Health Issues

June 29, 2019
A recent study shows that employees with low pay are more paranoid and also cautious around their workspace, which causes them anxiety. This is because the managers who take advantage of their higher positions and treat the employees under them differently. A study was also conducted, and the gathered data was from 4,000 UK workers with different jobs and positions in the age group of 16-65. The data shows worrying results of mental health problems among the lower paid positions. Even therapists who assist people with issues would agree to this.  Low-paid workers are prone to develop serious mental health problems like Paranoid Personality Disorder and Avoidant Personality Disorder. Almost everyone who participated in the study shows signs of having a mental health problem. 19% showed signs of depression, 15% had suicidal tendencies, 10% developed paranoia, 7% displayed signs of psychotic behaviors, and 4% experienced hallucinations. This is alarming for these are low-paid workers who cannot afford treatment for their mental health problems. A person’s low income dramatically affects their overall physical and mental health. The thought of having to pay bills and buy their needs can give a person stress and anxiety, especially when they struggle to make ends meet.  Even employees who are not diagnosed can still display signs of mental illness. Many employees whom we assessed are struggling with mental health problems. 38% of the workers show signs of irritability, 34% are always tired, 19% are displaying symptoms of depression, and 18% already have anxiety.  Having a low income has many problems with it and being in the lower ranks of the workplace can lead to stress because of strict working schedules, insecurity, poor pay, and promotion. These are all the factors that can affect a person’s health and sadly, is established by the organization itself.  These symptoms may not be a sign that a person has mental health problems, but exposure to stress and anxiety over a long period can lead to severe problems and psychiatric disorders. Unfortunately, these mental health issues are not being addressed by companies and organizations.  What Are The Causes?  To find out if the workplace is the cause of mental health problems with workers, research has been conducted by specialists. This study shows abusive supervision where the boss or manager doesn’t treat his employees the right way and use his position to show hostility, whether verbal or non-verbal. They say degrading, and humiliating things and this can cause low self-esteem and anxiety to the employee.  This kind of behavior from the heads of the workplace also causes paranoia to their employees. The fact that their bosses can be abusive can lead to them over thinking and having no confidence in their job and skills.  An abusive boss can create a toxic environment in the workplace that causes misbehavior from the employees. Stealing and bad commenting on anything can lead to more toxic traits that then leads to a stressful working environment and ultimately, physical and mental health problems of the employees. How Should We Avoid This? Being a boss does not mean you get to be mean to your employees. Even the low-paid workers are supposed to be treated with kindness and respect. All their work are what’s holding the company together, and if they feel abused in any way, they can ally and bring down the organization with them. As employees, you have to make your workplace mentally healthy so you can perform well. You cannot work correctly and do your best if you are stressed and full of anxiety. We cannot control how a boss treats us, but we can still control the environment we’re in – make a choice. Conclusion If a workplace is so toxic that you cannot stand it, maybe it’s time to look for another job. Money is essential, but you need to take care of your overall well-being. You cannot work if you have physical and mental health problems, and this will only add to the bills you need to pay. Health is wealth, so if you still have options regarding work, make sure you put some effort into thinking about it. At this age, you need to keep yourself in check, or else you may fall apart, and what for? A toxic job? Remember, there are still other jobs out there, and you are entitled to leave a workplace that pays low and gives you additional problems. In time, you will find that job that gives you peace of mind even if the pay is not high enough, at least your physical and mental health is excellent. It is not selfish to think about yourself and to take care of yourself.  Now, if you are in the right place, perform at your best so you can stay with the career that you love and to a work environment where you are valued. 

Stress Of The Unemployed: I Lost My Job! What To Do?

May 31, 2019
Losing a job can take a toll on your physical health and mental well-being. It is hard to deal with this and tough to start over again. Looking for a new job and coming back with negative results can give you feelings of self-doubt and you will question yourself if you are not good enough to find work. This is a “psychology of the mind” problem. With this, you are now reading an article that will help you cope with your feelings after a job loss and help you boost your confidence so you can feel good about yourself. Why Is Job Loss So Stressful? Having a job is not for paying the bills but for your sense of purpose and meaning. They give structure in our lives, and it’s hard when this structure is shattered. Losing a job also comes with other things to fall apart like: Professional Identity Self-esteem and self-confidence Daily routine Work-based social network Sense of security Don’t feel like you’ve lost everything. There is still hope, and if you are determined enough, soon you’ll land on another job; maybe an even better one. Grief After Job Loss It is normal to grief after a job loss. It can be hard to accept that your daily routine no longer exists and you might feel like you don’t have a purpose anymore. There are ways to deal with this grief: Give yourself time to adjust. It may be sudden, and you might feel worthless, but that’s not true. Instead, tell yourself that you have been working long enough and just recently lost your job. It’s not like it has been years since you last had a job. Stay positive. Think of your job loss as a temporary setback. Remind yourself that this will not be your situation for long. This is just a small bump in the road that you will overcome. You have training and skills and can find another job soon. Creatively express your feelings. Writing in a journal can help you cope with your job loss. There are other ways to cope, and it’s up to you to figure out the best way for you. Reach Out And Stay Strong It is natural to withdraw from people when you just lost your job. You might feel judged if a person asks you if you are working and tell them you just recently lost your job, but you still have to reach out to people so they can help you to cope. Talking to other people about your recent job loss can help relieve some tension and stress that you are feeling. They may not offer any solutions for you but having someone to listen to you can be a great help. Reaching out to other people can help you feel like you are in control of your situation, and you might be surprised by what opportunities will arise. Opening up to someone doesn’t make you a burden to them but will make them feel honored that you would want to confide in them during hard times. Developing New Relationships After A Job Loss You might have missed out while you were still working so this job loss can open new doors for reconnecting with friends and even building new friendships. Go and contact your friends and catch up with each other’s lives. You can also attend classes or clubs, engage in a sports team, or volunteer to meet new people who have the same interests as you. Involve Your Family For Support Keeping your job loss a secret to your family can add more problems than you know. It’s best to let them in on what’s happening so they can support you and help you. Open up to your family. They will understand what you are going through and will always be there for you in times like this don’t be afraid to tell them what you are going through. Listen to their concerns. It is usual for them to be worried about you, and they might even have suggestions that will be a huge help. Don’t take their advice the wrong way. Make time for family fun. This will strengthen your bond as a family and help you forget your unemployment problems for a bit. Face Your Feelings Accept the fact that you lost your job. It is okay to grieve, but you have to let go of this feeling eventually. Remember that a lot of people are going through the same thing as you are, and they still find a way to stay positive. If it’s possible for them, it is possible for you. Don’t ignore your feelings and let them flow through you until they are gone. This is the best way to eliminate those negative emotions and use them to be more determined in finding a new and better job.

Habits That Help One Recover From Job Loss

January 30, 2019
  Losing a job is pretty tough. It doesn’t really matter if it was about how you performed or it was because of nothing. It’s still very difficult to face and understand, especially if you are all that your family has. But if you try to think deeply, just like any challenge or ordeal in life, you will find out that one must gauge his success in life in the way he handles the challenges he faces, and the number of times he has won over these challenges. Recalling my friend’s dad who lost his job and not overcoming the frustration and anxiety and the shame is now coming to me again. He had committed suicide then, but luckily he failed at it. I get why he did it. He had four kids with no other support – he was a single dad. It was a big, bad blow to his ego and self-esteem too. Through the years, people have been in and out of jobs, and often this is not their fault. This year, many will lose their jobs again. But whatever the reason is for losing a job, it’s how well you respond to a big obstacle in your life that matters. When you’re looking for a job, it’s not a secret that character is everything. Positive thinking will put you on top of the list of prospects – easily. Losing a job might even be an opportunity for you to look back and realize that it’s what made you stronger than ever – that’s if you have THE character. I believe in what Confucius said – that by nature we are alike. No one wants to be rejected. However, we become different in the way we deal with the rejection, with the job loss that is. Let us take a look at some of the habits that can separate you from the group, put your name on the list of chosen ones, and get your job back or get an even better, if not the best, job offer. Habits You Should Practice Focus on the future. When you’re anxious, worried, and depressed from a job loss, it’s so easy to stay stuck there with all the regret and remorse for something you might not even have control over. This doesn’t only fuel insecurity and self-pity, but it also removes that power you have over yourself. Try your best not to get stuck in the past and concentrate instead on what you can do right now. Talk to people who can help you and start making a list of what you need to do and where you need to go to kick start that job hunt immediately.   Don’t think that being unemployed is who you are as a person – a failure, a nothing, and a wreck. That is not your status. That is just a roadblock that you need to surpass. It’s not who you are, and it will never define you. Marty Seligman, a psychologist, stated that one of the biggest factors that will determine success from a life challenge of any type is how one interprets that challenge. So what we should do is look at the job loss as a chance to reassess oneself, to build more strength and versatility, and to learn how to better tackle failure. This is the best move to make if you want to get that job back or get a promotion! Accept the failure, recognize the reasons why it happened, and be confident that you’ll get over it.   When you wallow, don’t mingle with those who will drag you down even more. Their negative emotions will get the better of you, as people that surround you will also affect how you feel about yourself. Don’t join the pity party; instead, make it your intention to look for a company that will encourage you to stay positive, those who will lend you inspiring movies and books to read when you get home. Show your family that you’re not giving up on yourself and them so that they won’t feel anxious themselves.   Don’t forget about taking care of yourself. This is too important not because you’re narcissistic but because your physical well-being is as vital as your emotional and mental well being. Don’t be that someone from the movies that you who just eat a bowl of popcorn and drink beer all day. Don’t look jobless! Get fit and stay healthy. Exercise and release the negative toxins. Pump up those endorphins so you’ll be feeling alive and eager to show your best on your job interview today.   Feel good by doing good. When you practice kindness, you become addicted to helping others because it makes you feel worthy and appreciate and grateful for what you have despite the job loss. Helping others is a great mood booster – better than antidepressants. Also, volunteering in a community activity would mean avoiding being a couch potato and not getting stuck in the past. Losing your job is indeed something to be sad about, but nothing to be feared and frustrated about for the rest of your life. Be different from the others. Get moving. Don’t let it rip you of what you’re about to discover – the best opportunities for those who persevere.        

Protected: The 2015 Vancouver Elderly Healthcare Forum: Seniors Aren’t Just Patients

December 26, 2018
There is no excerpt because this is a protected post.

Health Care System And Today’s Challenges

November 15, 2018
The healthcare system is a complex organization that caters a lot of things. They provide services from medicines and physical and mental professional assistance up to health insurance and social works.  It takes a lot of attention, so when one of its functions becomes incapable of providing services, everything gets messed up. That’s why it’s understandable that its leaders sometimes experience a lot of issues. And all over the world, every healthcare problem becomes the same due to its current challenges. So what are those challenges that seem to cripple the healthcare system? Politics – The healthcare system is one of the dominant political issues all over the world because there is always social injustice everywhere. Since politics has the right to create, regulate, and maintain the healthcare system, they can manipulate everything that it is capable of doing. An example is its accessibility. Politics can easily walk through what it wants by creating a wide variety of choices for people. These can go from opportunities, limitations, conservation, and usage. Financial – The economics of the healthcare system is complex, so it requires a stable financial state. However, when some of its functions get corrupted, it’s easy to expect that all of its coverage experiences the same too. That’s because when the control of the system quickly increases spending on distribution, occurrence, possible control of diseases and other health-related factors, people can expect a lesser quality service. It’s ideal to say that the limited amount of money can only support a limited number of people. Demographic – The aging population affects almost half of the healthcare system. That’s because the increased number of people add to its coverage. Meaning, the higher the community become, the lesser the medical services acquired. Fortunately, some healthcare services allow insurance. It saves some people’s time and money throughout the year. Workforce – In line with the demographic changes in the healthcare system, the workforce tends to change as well. That’s due to the demand of services required on every branch of the medical field. Also, volunteers and social workers matter too. As much as possible, the balanced ratio of consumers to the healthcare services should have to be 1:10, or much lesser in the least. That’s for the benefit of a focused health-related assistance. Technological Advancement – Innovation mainly impacts the healthcare system. When there is a continuous growth of technological advancement, there’s also a massive amount of money involved. Meaning, the easier the procedure becomes, the higher the cost it gets. And not to mention the impact of scientific breakthroughs and other high-end medical approaches in all fields such as surgical, medicinal, consultation, therapy and more. The real difficulty is that people do not face any of these challenges individually. Instead, all of these come in a package. So when the healthcare system suffers from the top, everything about it crashes down to the bottom. From there, people start to suffer. Unfortunately, the majority of the population who needs the assistance is the increasing number of those who can no longer afford.  

Signs That Your Insurer Doesn’t Follow Mental Health Parity

October 15, 2018
Getting a health insurance plan for the first time tends to fill your head with expectations. For once, you no longer need to bring during your medical checkups. If you get hospitalized, the insurer will pay your doctor as well as the hospital in full on your behalf. More importantly, you can use the policy for any health condition that bothers you. I wish all of that can come true. In reality, such things can only occur if you have a physical problem. Cancer, influenza, diabetes, slipped disc, et cetera – that’s what it means. Once you come to the insurance provider to ask if they can cover your psychiatric bills for depression, eating disorder, and other “invisible” issues, you can’t guarantee that they’ll help you. Some doctors even said most companies merely offer assistance considering the patient is suicidal. Otherwise, they need to pay out of their pockets. In case you still haven’t experienced that but are thinking of booking an appointment with a psychiatrist, here are the signs that your insurer may not be following mental health parity. You Have To Get Permission To Use It All The Time When you utilize your insurance plan to, say, consult a doctor regarding your gallstones, you can present your identification cards to the provider and receive permit immediately. You need not go through heavy scrutinization since it’s a physical condition. Assuming the check-up turns into surgery, the insurer may only call to ask if you wish for them to settle your entire bill. Well, that breezy process is not natural to experience when the issue involves mental health. In case you want to visit a psychiatrist to monitor your psychological condition or know whether you have anxiety or depression or a different disorder, it will most likely be essential for you to call the insurance company ahead, as well as once you’re getting the paper slip. Nevertheless, neither can assure that they’ll give you the permit you need. It’s Difficult To Find A Specialist Within The Network Let’s imagine for a minute that your insurer allowed you to use the policy for mental health assessment. The representative says, “You can do that, but you have to look for a psychiatrist inside the network.” So, although you’ve spoken to another doctor before that, you cancel your appointment with him or her as he or she has no association with the insurance provider. What you may find out later is that you’ll typically be able to count on your left hand the number of mental health professionals that agree to work with insurers. It’s a rarity to see one listing multiple psychiatrists because there aren’t many specialists that appreciate their stipulations. Not to mention, they don’t get paid as well as the other kinds of doctors, which is disappointing. You Case May Not Be Seen As “Medically Necessary” As mentioned above, many insurers have this crazy high standard of what’s medically necessary and what’s not. When talking about the former, it entails that the patient drank a bottle of gasoline, ruptured their veins from excessing slashing, or popped hundreds of pills in their mouth. In short, they were suicidal. What some insurance companies don’t deem as a necessity is going to a psychiatrist’s clinic to stop depression, anxiety, and other mental illnesses from becoming severe. You are surely not suicidal when you want to get help early. Thus, they may turn you away and leave you to fend for yourself in that area of the medical world. In Conclusion The mental health parity law is supposed to keep patients like you from experiencing discrimination due to your psychiatric issues. If the insurance provider does not honor it and continues to avoid helping policyholders receive the mental health treatment that you need, then you should look for a more humane insurer than that.    

Negative Psychological Effects Of Unemployment To Individuals

September 27, 2018
Getting sacked on any day of the week is not easy to accept. You enter the workplace with the usual bounce on your feet, excited for the day ahead. You say hi to your colleagues, but they give you an awkward smile or wave. You don’t put much thought into their behavior until you realize what they probably saw: the letter of termination on your desk. From “Why?” to “How?” to “What will I do now?” –random thoughts may begin to swirl in your head. After all, you may not be expecting this news. You believe you work hard during your shift, only to find out that you’re not doing enough. Nevertheless, what makes this experience more bitter is hearing that you are not even entitled to a severance pay. It’s not surprising, for that reason, to know that unemployment has harmful psychological effects on individuals. In case you aren’t aware of what those are, continue reading below. They Socialize Less One thing that’s quite effortless to notice among jobless folks is their lack of sociability. In the first few days after the sacking incident, they may still act cool around you. You can joke around with each other, laugh together, and they listen actively when you offer advice on how to find another employer. If you see these people after 12 months or so, and they are without a job, you can entirely take note of the change in their behavior. Gone were the days when they could make eye contact with you. Now, they try to look anywhere else but you even if they answer your questions. Their shoulders may droop a little as well, and they don’t emanate the aura of confidence anymore. Unfortunately, this transformation can only take place because being unemployed for more than a year messes up your self-worth. You tend to assume that the working folks don’t want to be around jobless fellows like you. You distance yourself from people with a stable source of income since you hate to be the sole person who can’t afford luxury vacations or fine-dining meals. Anxiety can worsen that feeling too. They Become Prone To Depression When you lose a job, you don’t merely lose your monthly salary. All of a sudden, you have nowhere else to go after waking up. You need to budget your savings because you have no idea when you’ll become employed again. The colleagues and clients you used to see every day are now a part of your memory. Such restrictions can undoubtedly make you feel isolated and helpless, to the extent that you develop depression. It may become more severe if there are little kids and a spouse who wholly depend on you. The world may seem darker than ever at this point. They Can’t Hold On To A Job Last but not the least, individuals who have been unemployed for so long tend to get terminated fast. Perhaps they have lost their touch for not being able to practice their craft for a while. Maybe these folks still can’t get out of transition phase, which causes them to miss work regularly. The thing is, most employers value competency more than pity. That may not be a problem if the boss happens to be your parent, sibling, or close friend. In case you have no relation to anyone in the office, there’s no way that the individuals there will wait for over a year for you to get used to being employed again. Thus, you might find yourself jobless soon if you don’t move past the negative thoughts. Final Thoughts Yes, being unemployed comes with worse consequences than you think. Not only will it cramp your ability to support yourself and your dependents financially, but it can also cause adverse psychological effects. Regrettably, all we can do now is hope that the government can give every unwaged person a job to keep them from developing mental health issues.

How To Reduce Teenage Pregnancies In Your Community

August 16, 2018
Teenage pregnancy is no longer a hush-hush topic across the globe. Many teen mothers start their YouTube channel and talk about how they got pregnant at 14 or 16. The mainstream media cater to them as well, to the point that MTV even has shows that revolve around the lives of several adolescents who go through motherhood. Despite the general acceptance that young moms receive from the public, however, it is not a secret either that teenage pregnancy is still a problem that we all need to address. Whereas these kids should only be worrying about school and extracurricular activities, they have to think of getting a job to feed and clothe their baby. Instead of traveling with friends, they cannot hang out with them much because the child needs their attention. To reduce teenage pregnancies effectively in your community, therefore, here are some tactics you may try. Talk To Young Girls AND Boys It is honestly unfair that when a female becomes pregnant, the backlash from it only centers to her. “Where did you mind go?” or “Why didn’t you use protection?” are the typical questions she gets. However, the blame should point to the young male as well since they did it together. Because of that, when learning about reproductive health, the teachers should not only address the girls but also the boys. Tackle More Topics Than The Birds And The Bees The primary sex education class usually informs kids of what can result from having unprotected intercourse. A more important lesson than that, though, needs to talk about why someone should not give in to peer pressure and raging hormones. You may also teach the children how to maintain sexual limitations and strengthen their emotional relationship with their boyfriend or girlfriend instead. Consider Giving Out Condoms For Free Since it is quite impossible to gauge whether all teens in your community will genuinely avoid having sex until they reach adulthood, you can consider asking the city council if they will condone giving free condoms to adolescents. The idea is controversial, especially in highly religious towns, for sure. Despite that, in case it will help reduce teenage pregnancies where you live, there seems to be no reason for condoms not to be widely available. Offer Individual Counseling Creating a safe environment for teenagers to speak of how they feel or what worries them may allow these adolescents as well to focus on things other than dating. In reality, many of these kids want to be in a romantic relationship early because they either feel neglected at home or are looking for external validation that they are as lovable and desirable as their friends. Once there is a mental health professional in the community that they can go to any time, though, they may be able to understand their feelings and not make rash decisions. Allow Older Peers To Serve As Inspiration When teaching sex education to children, it may be excellent to have older individuals – school alums or other successful folks – from the same town come to motivate the youngsters to stay in class and not dabble into sexual relationships immediately. You see, kids of any age love to copy what their idols are doing. If you can bring an inspirational person to the class one day, it can mean a difference to a child’s perspective in an instant. Let Everyone Help Lastly, you ought to remember that learning does not have to end and begin at school. Aside from their homes, the adults in the community should receive encouragement to advise the teens of what they should and should not do when dating while young. This way, the lessons will stick to the child’s mind and hopefully keep him or her from having sexual intercourse before he or she is genuinely ready for what it may cause. Be sure to share this information with every teenager, parent, or anyone else who can benefit from knowing how to reduce teenage pregnancies. Cheers!

Straightforward Ways To Get Rid Of Your Student Loan Debt

June 19, 2018
If there’s one thing that’s true in life, it’s that everyone loves a young dreamer. That’s why some establishments allow teenagers to get a part-time job. They want to give children an idea of what it’s like to earn money and work towards their life goals. Of course, the youngsters can also use the payments they receive to buy anything they like or save it for the future. In case the family’s funds are not enough to send a kid to a respectable university, it is common for private and federal organizations to offer student loans. The requirements are quite easy to supply as they more or less include proving that you are a citizen of this country, that you have decent credit, and that you don’t have a previous or existing issue with the loan-giving body. Then once approved, you’ll be able to apply for any degree that you wish to pursue. As airy-fairy as it may sound, though, it’s not that easy to relax and enjoy college life when you know you are in debt. The amount can increase, after all, as you pass every semester or if you change your undergraduate program several times. Some folks even reach their 30s or 40s before paying off everything. Nevertheless, you should realize that there are ways to get rid of your student loan debt much earlier than that. Know The Stipulations The first thing you ought to not forget is to understand the conditions comprising your chosen loan. There might be clauses that you haven’t entirely given attention to; thus, if you miss even just a day, you might receive many penalties. Likewise, it is essential to pick the best payment plan for yourself. You can’t let anyone else make that decision for you because it will be your name on those legal documents, not theirs. In case you happen to have a hard time due to that plan, you can’t blame others since you allowed that. Limit Your Credit Card Usage Another reason why it’s difficult to pay your student loan is that you may still be reimbursing the massive amount of dollars you owe to the bank by overusing your credit card. That is typical for young adults who get pulled by the idea of charging their expenses to a card instead of paying in cash. Although it’s convenient not to bring a wallet or see your hard-earned money slip away from your fingers and straight into the store’s cash register, the interest that your bank will charge later can make you regret even getting a credit card. A quick fix to this problem is to either use a prepaid version of that or limit your utility of the existing credit card. This way, you won’t find yourself looking at five figures in your billing statement. You will also have enough cash to pay your loan. Opt For Student Assistance Assuming you don’t mind uprooting yourself for a greener pasture, you may look into states or countries that offer loan assistance to students who are not initially from the area. You can say that it’s their technique to establish the location as a hub for young professionals. It can eventually increase their funds if students like you decide to work and pay your taxes there permanently. Work, Work, Work Last but not the least, there’s the good ol’ manner of getting a job and paying your way through the student loan. What you should remember, however, is that waiting tables or Uber-ing people here and there cannot speed up this process. You need to ideally land a high-paying position to pay off your debts early. Alternatively, some private companies can clear your loan on your behalf. In case you work for a government agency, you might eventually receive student loan forgiveness. After all, you are doing public service. Final Thoughts It is okay to apply for a student loan if that’s the only way for you to finish your schooling and reach your dreams. Nevertheless, you should never let yourself swim in debt before you even hit the age of 30 because that’s typically when the next chapter of your life comes. Hopefully, you can pay off your student loan early. Good luck!

6 Ways To Help Homeless People Better

April 26, 2018
The reaction of individuals who see a homeless man or woman on the sidewalk is not often easy to fathom. Some tend to get out of the vehicle and offer money or food to the less fortunate fellow. Others think that turning their back on the homeless person will make him or her find a job or accept help from the government. Whereas both points make sense – one is very sympathetic; the other is quite methodical – there’s no doubt that neither approach can stop more people from ending up on the streets. The increasing number of unemployed folks out there merely entail that more individuals will not be able to pay for rent or keep their property for long. The veterans and senior citizens who do not have family members lefts may resort to asking money from strangers as well since they cannot hold a job anymore. One fact that we typically fail to remember, however, is that there are better ways to assist homeless people. Talk To Them The next time you halt to help a homeless person, try to stay on the streets for a couple of minutes more to converse with the individual. In reality, not everyone who does not live in a house is dangerous. A few have meaningful stories to tell; others can even give you life advice. It can mean a lot for them to feel that someone cares enough to talk to them once in a while. Give Clothes And Other Necessities It will help to take into account the fact that the people on the streets do not only need food. Things like toothbrush, clothes, and shoes are necessary for them as well. For the females, they especially require sanitary napkins and underwear. If you can provide such items aside from meals, that will genuinely make their lives easier. Work At Shelters For Free Do you have much free time in your hands right now? You may go to the nearest homeless shelter and volunteer to counsel, cook for, or serve the people who go there regularly. That is undeniably one of the most selfless things you can do as a concerned citizen. You will be able to pick up greater ideas about their needs in this manner too and keep them from feeling depressed. Hire Homeless People Considering you own a business, or you have some work that needs to be done at home, you are free to employ as many homeless individuals as possible. Many of them, frankly speaking, are skillful fellows who did not get an opportunity to exercise their talents. It will be amazing if you can offer a permanent job. Nevertheless, even a part-time work that allows them to earn 20 bucks or so regularly may change the way they look at life. Get Help For Them In case you do not think that you have the means to support the homeless people forever, you can always inform the local government regarding their circumstance. Some accuse authorities of neither caring nor helping the families in need. Although we are aware that that happens in a few locations, it isn’t right to conclude that every governing body wants to stay oblivious of the problem. At times, you have to volunteer information about the matter so that they know what’s happening. Be Respectful Finally, keep in mind that the people who deserve your respect are not merely the ones who are superior to you or need no help from anyone to survive. Even the folks who ended up living on the streets are worthy of receiving respect and kindness from you. After all, they are human beings just like you and me. It only happens that life dealt them with bad cards; that’s why they are in that situation. Let’s all help homeless people lead better lives now. Cheers!

Bills

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