Archive for the ‘Public Health’ category

Best New Places to Retire Around the World

December 24th, 2010
Snow Vandemore asked:




Today more than ever before, American seniors are choosing to retire abroad. In 2004, an estimated 255,000 Social Security checks were mailed to countries outside of the United States.

In the past twenty years, the advent of new technology, namely the Internet, has spawned the global community. No matter where you call home, accessing bank accounts, filing taxes, and communicating with friends and family, is just a mouse click away. This in itself has made retiring overseas more feasible and attractive to many seniors who previously may not have ever considered an exotic, foreign location to live out their golden years.

Some places are better to retire in than others, based on key factors such as tax liability, real estate costs, ease of obtaining residency, health care, climate and culture. Many a retiree has had to abandon their dream of living abroad, having grossly underestimated the cultural and financial burdens related to their region of choice. Selecting a retirement location abroad should involve careful research and planning. According to an article featured in the UK’s The Times Newspaper on January 20, 2008, comprehensive research on the subject conducted by the Homebuyer and Property Investor Show, provides a list of the 10 most popular retirement countries, based on the above key factors. The following are the top five countries on this list, along with a brief overview of the report’s findings:

1. Cyprus

Currently, overseas retirees who have lived in Cyprus for at least 183 days, are taxed on their retirement income at the rate of 5% per year. Otherwise, the normal rate is no tax on the first $28,516.46 USD, then rising to 30% on $53,085.05 USD.

Assets maintained in the United States, such as bank accounts and stock portfolios, will be taxed by the IRS. This situation can be avoided by moving assets to an offshore account, then subsequently bringing those assets into Cyprus. Cyprus has no inheritance tax; however, expats need to provide documentation that all ties have been severed with their previous country to enjoy that benefit.

A starting price for Cyprus property is about $150,846.69 USD, but this will likely continue to rise as the area gains in popularity. Stamp duty (a percentage paid on certain documents such as loan contracts) is 0.15% for properties up to about $254,626.68 USD and 0.2% on more expensive residences. There may also be transfer fees of 3% of the first $127,297.51

USD, 5% on homes valued from $127,297.51 USD – $254,626.68 USD, and 8% on homes valued higher than $254,626.68 USD.

Retirees do not require a visa to move to southern Cyprus, but a temporary residence employment permit is needed and should be applied for upon arrival into the country. To buy property, you must prove you have adequate resources to live in Cyprus without working – currently the minimum is about $15,672.63 USD annually.

Medical care is provided by the government and through private medical establishments. Government Medical Services can be used by anyone; however, U.S. retirees will need to pay the nominal fees as dictated by the system as they are not likely eligible for free treatment.

2. Panama

U.S. retirees will feel right at home in Panama, as English is commonly spoken and the main currency is the US dollar.

All income from assets outside Panama are TAX FREE. However, there is a 5% transfer tax on goods and services. There is no inheritance tax, but gifts of property may be subject to 4% – 33% levy, depending on the beneficiary relationship. Again, U.S retirees will still need to pay income tax to Uncle Sam as long as they remain U.S. citizens.

Buying a home is Panama is surprisingly expensive and you can expect to pay around $215,000 USD for a median property. Anyone buying property can apply to become a permanent resident one year after having applied for a residence visa. The total value of your property and local bank accounts must equal at least $200,000 USD to be eligible.

Under Panama’s “pensionado” system, pensioners are eligible for 15% discount on hospital services in private clinics, 10% discount for medicine, 20% discount on medical consultations and surgical procedures and 15% off of dental and optical services.

3. France

Retirees certainly can appreciate France’s lower tax rate for “pensioners” – a retired couple can have a joint income of up to approximately $102,000 USD and pay about 14% in taxes. That may be better than what could be expected in the U.S.

Housing is rather expensive in France, with the average property going for around $275,000 USD – one of the highest areas to purchase property in the study and prices are only going up. Buying costs are 7% for existing homes, 3% for newly built properties and real estate fees are approximately 6%.

If you spend longer in France than in any other tax jurisdiction during one year’s time, you are automatically

considered a resident for tax purposes.

France has a public health system and while retirees are not required to join, they will need a specific plan that covers all of their medical expenses. Typically, the public health system pays 70% – you will want to look into a supplement that will provide benefits for the other 30% not covered.

4. Belize

Belize’s official language is English, has a tropical climate with a definite rainy season, and enjoys a low cost of living.

Income tax is 1.75%, but some income such as pensions, is tax free. There is also no capital gains tax or inheritance tax for people retiring to Belize. Personal belongings such as cars and boats can be imported, duty-free. The maximum tax on any one item is $15,000.

If you dream of living on the beach, a three-bedroom property will set you back around $375,000. Associated stamp duties are 5%, legal fees are around 2% and there is a 1.5% transfer tax when you sell a property.

If you are age 45 or over, you can apply for permanent residency through Belize’s government retirement program. As a “qualified retired person,” you are eligible for tax exemptions and incentives, as well as other benefits.

Belize has a national, tax-funded healthcare service, but you may find its medical services lacking. Private healthcare is available and inexpensive, however.

5. Spain

Spain is a very popular retirement destination, but because of their high tax requirements, it may not the best choice overall. Spanish residents (spending more than 183 days annually), can expect to pay up to 40% on total income, regardless of origin. Capital gains tax is currently 18% and inheritance taxes for expats run anywhere from 7.65% – 34% depending on the amount inherited and the relationship of the person you inherit from.

Spanish residents also are liable for paying a wealth tax of 0.2% to 0.5% of their assets worldwide.

An average retirement property will cost around $268,000 USD, and property fees can add on an additional 10%.

There is free universal health care in Spain. To become insured, you have to have a Spanish-issued social security number. To get one, you will have to either work or become self employed to pay into the system. Otherwise you will need to look into private health insurance.

Even though you may initially consider climate, breathtaking vistas and scrumptious cuisine when deciding where to retire abroad, the choice should rest at the bottom line – your finances. Crunching the all-important numbers will ultimately dictate if you can actually afford to live out your retirement fantasy.

Sources:

1. “Revealed: the best places in the world for retirement;” Jessica Bown; The Sunday Times, January 20, 2008.
([http://business.timesonline.co.uk/tol/business/mo] ney/consumer_affairs/article3215247.ece)
2. Ministry of Health of the Republic of Cyprus (http://www.moh.gov.cy/moh/moh.nsf)
3. http://www.SpainExpat.com

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Sister Betty X Shabazz

December 22nd, 2010
Karen L Cole asked:




Nobody seems to know about Betty Sanders early life and family background. She was born, however, in Detroit, Michigan, and is the daughter of Shelman Sandlin and a woman named Sanders. Sanders was an illegitimate child, one with a troubled upbringing, and she was given over to foster parents, growing up in a nice, middle class house in Detroit. Due to her difficult childhood, she devoted her life to African American childcare, health and sexual education.

After high school, Shabazz left the comfortable home of her adoptive parents in Detroit to study at the Tuskegee Institute (now Tuskegee University), a well-known historically black college in Alabama. It was at Alabama that she encountered her first racial hostilities. She did not understand the causes for the racial issues, and her parents refused to acknowledge these issues. She mentioned this in an autobiographical essay she wrote in 1992, published in Essence Magazine: “They thought [the problems] were my fault.”‘

Betty moved to NYC to get away from the narrow minded views of the white South, studying nursing at Brooklyn State Hospital. One night, her friends took her to hear Malcolm X speak about the Nation of Islam at an Islamic temple in Harlem. Essence Magazine, a magazine specifically for American black women, stated in 1992 that Betty’s friend offered to introduce her to Malcolm X after he was done speaking.

Betty’s reaction to that was “Big deal!” But she went to the speech. She later continued in the interview: “But then, I looked over, and saw this man on the extreme right aisle sort of galloping to the podium. He was tall, he was thin, and the way he was galloping, it looked as though he was going someplace much more important than the podium…well, he got to the podium, and I sat up straight.”

Betty was quite impressed with Malcolm X’s speech. Afterwards, she caught him backstage, and they discussed racism in Alabama. She started attending all of his speeches and lectures, and by the time she graduated nursing school, she was a member of the Nation of Islam. As Elijah Muhammad bestowed the last name “X” on all of his followers, she was now Betty X, like Malcolm X, no longer encumbered with “a slave name.”

Betty X stated further in her autobiographical Essence interview: “I never ‘dated’ Malcolm as we think of it because at the time single men and women in the Muslims did not ‘fraternize’ as they called it. Men and women always went out in groups.” Once she had completed her nursing studies in 1958, Malcolm X proposed marriage, and by the time Betty X was 23 and Malcolm X was 32, they were legally wed in the Moslem church.

Like her husband, Betty walked the Hajj to Mecca, becoming a Sunni Muslim, and she maintained her faith in the Nation of Islam’s role in Malcolm X’s assassination until 1995. She then had a public reconciliation with Louis Farrakhan, then the leader of the Nation of Islam.

Betty X further stated in her Essence Magazine interview: “I really don’t know where I’d be today if I had not gone to Mecca to make Hajj shortly after Malcolm was assassinated. And that is what helped put me back on track. I remembered one of the things Malcolm always said to me is, ‘Don’t be bitter. Remember Lot’s wife when they kill me, and they surely will. You have to use all of your energy to do what it is you have to do.”

After the assassination, Betty X had at least six girl children to raise as a single mother. Her six daughters were: Attalla, Qubilah, Ilyasah, Gamilah, and the twins Malikah and Malaak. She was determined to raise her daughters in the Islamic faith, and one of them, Ilyasah Shabazz, wrote a famous autobiography, “Growing Up X.”

Betty X was a registered nurse, continuing her education at Jersey City State College, as she needed to provide for her large family. She also wanted to set a good example and provide a strong female role model for them. She received a degree in public health education, next attaining her Master of Arts in the same area in 1970. She finally received a Ph.D. in education administration at the University of Massachusetts in Amherst, and was a member of Delta Sigma Theta Sorority.

Disaster Strikes – Betty X Dies

Malcolm Shabazz, Betty X’s 12 year old grandson, set fire to her apartment in June of 1997. He had been living with his grandmother, and it was said he was unhappy about this, wanting to live with his mother Qubilah in Texas. Betty X suffered burns over 80 percent of her body and underwent five skin replacement operations, being in intensive care for three weeks in the Jacobi Medical Center in the Bronx, New York. Doctors said most patients like her had only a 10 percent chance of going on living, so Betty X died of third degree burns on June 23, 1997. She was 61 years old. Her grandson served only eighteen months in juvenile detention for his heinous crime, even though it had resulted in the death of his grandmother.

About the time that she died, Betty X had headed the Office of Institutional Advancement and Public Relations at Medgar Evers College in Brooklyn. A larger crowd than the one attending Malcolm X’s funeral came to her memorial service at New York City’s Riverside Church. Prominent Black Community and other civic leaders spoke at the service: Coretta Scott King, widow of Rev. Dr. Martin Luther King, Jr., Myrlie Evers-Williams, widow of Medgar Evers, Maya Angelou, famous poet, Ossie Davis, actor, and four New York City mayors: Rudolph Giuliani, David Dinkins, Edward Koch and Abraham Beame; Maxine Waters, US Representative, and Governor George Pataki of New York. Plus, the US Secretary of Labor, Alexis Herman, gave a tribute from Pres. Bill Clinton. Black civil rights leader Jesse Jackson released a statement saying, “She never stopped giving and she never became cynical. She leaves today the legacy of one who epitomized hope and healing.”

They held Betty X’s funeral at NYC’s Islamic Cultural Center, and her wake was held at the Unity Funeral Home in Harlem, where her husband’s wake had been held 32 years ago. Then Sister Betty X Shabazz was buried next to her husband, Brother Malcolm X Shabazz, at the Ferncliff Cemetery in Hartsdale, New York. There is also a large mosque, major in Harlem, named after Sister Betty X Shabazz.

Malcolm X – Betty X’s Husband

Malcolm was largely into Truth and Justice – but not the American Way. He felt “patriotism” was a crutch certain people were using to get at his own kind, as they were not letting them have their full civil and human rights. However, potent patriotic forces, albeit Black Nationalist ones, were what inevitably killed him. He had stood up to the leadership of the Nation of Islam, perhaps mostly as a political power play, and it had cost him. But he had grown in his appreciation of desegregation and the human rights of all people, and in his acceptance of the Islamic faith.

Many people would talk to him strangely about his life. They asked him when he was going to become a college bound law student, and enter reality. I feel like he had entered circumstances from the moment he was born that precluded such a thing, not because he was incapable of studying law, but because of the extreme oppression against him. Primarily, he had to deal with that by becoming a militant, anti the USA, and anti everything white society stood for, including to some extent the law.

But Malcolm X did manage to become a kind of amateur lawyer. He kept some black men from going to jail, by lining them up, well dressed, outside of a courtroom in a famous and televised incident. They all seemed to want leadership from him. He kept trying to relate to and lead what was going on, but as he knew, his life was predestined to be short.

Robin DG Kelley, a famous black historian, wrote:

“Malcolm X has been called many things: Pan African, father of Black Power, religious fanatic, closet conservative, incipient socialist, and a menace to society. The meaning of his public life, his politics and ideology, is contested in part because his entire body of work consists of a few dozen speeches and a collaborative autobiography whose veracity is challenged…Malcolm has become a sort of tabula rasa, or blank slate, on which people of different positions can write their own interpretations of his politics and legacy.

“Chuck D of the rap group Public Enemy and Supreme Court Justice Clarence Thomas can both declare Malcolm X their hero.”

I am certain that to Sister Betty X Shabazz, Brother Malcolm X Shabazz was her greatest hero, and that he was also a hero to their six (or eight) children as well, not to mention most of Black America during the 1950s and 1960s.

In his book about Malcolm X, “The Autobiography of Malcolm X,” in the final scenes about his assassination, Alex Haley wrote: “Sister Betty came through the people, herself a nurse, and those recognizing her moved back. She fell on her knees, looking down at his bare, bullet pocked chest, sobbing, ‘They killed him!’”

At least the two of them, Brother Malcolm X Shabazz and Sister Betty X Shabazz, met and loved each other, however briefly. They became a famous and beloved pair, about whom one story says they met during the taping of a Nation of Islam radio show, and another story says they met after a speech given by Malcolm X. At any rate, they finally made it to being with each other. This is an event which many people born on this Earth are not fortunate enough to enjoy in the course of their lifetimes.

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How Can I Get My Husband to Be Better in Bed?

December 22nd, 2010
Eileen Henderson asked:




A recent sex survey revealed that 68% of women are unsatisfied with their husband’s erection strength and staying power. It’s also likely the man isn’t satisfied with himself. The resulting tension can be very damaging to a marriage. But steps can be taken to relieve this frustrating problem.

If your husband is receptive to the idea of improving his sexual performance, there are many things he can do. Exercising for at least 20 minutes a day, for example, is very helpful. The Harvard School of Public Health studied over 31,000 men and concluded that those who exercised had a 30 percent lower risk for erectile dysfunction than men who didn’t exercise.

If your husband smokes or drinks too much, that could also be a problem. Try to