Disclosure Ination Protected 2009-2024 Form

The US Constitution is a set of restrictions on the domain and powers of the government, not citizens. The Bill of Rights specifically denies the government any power to infringe on certain basic natural rights, and the Ninth Amendment says that this is not an exclusive list. There may be other rights not specifically listed, which shall also not be infringed by government.US statutes guarantee the rights of citizens to strict confidentiality regarding the information they submit to the IRS for their taxes. The IRS has by its charter a clear obligation to protect the confidentiality of those records, including from other government agencies. Congress has some extremely limited authority to request tax information, but there has to be a genuine reason for a genuine legislative purpose, and it is patently clear that one person’s tax returns are not going to be materially critical to how Congress writes tax laws. Aggregate information on a large number of taxpayers may be useful for some legitimate purpose, but individual data and identities would not be disclosed. So that is a dead end for the Democrats.The stated reason of the Ways and Means Committee was to determine if the President’s taxes were being properly audited. Not a single person on that committee is a currently certified CPA and licensed practicing tax attorney, so none are qualified to audit anybody’s taxes, much less anything as complex and arcane as a multi-billionaire with business interests in hundreds of companies around the world. The premise is preposterous. All they need is a certification by the IRS Director that yes, they have audited his taxes…. No need or authority to see his tax returns. Seeing his tax returns would do nothing to answer the purpose specified by the request.The requests by the Democrat-run committees fail every smell test of legitimacy, and are brazen and obvious fishing expeditions and witch hunts. Of course the opposition Party wants to pore through his taxes to find grist for the Hate Trump Derangement Syndrome, especially since Mueller, Barr, and Rosenstein all exonerated him on all counts of collusion, conspiracy, or obstruction. The Democrats desperately need new ammunition to try to invalidate his Presidency and fabricate any excuse to impeach him.Being President doesn’t strip anyone of their legal and civil rights. Presidential candidates have filled out detailed financial disclosures that provide a list of every debt they owe and all their business interests. Obviously Democrats cannot find anything incriminating or embarrassing in that, so they want to mine his private tax records for any possible dirt they can find or allege.Do they really think that even if he were engaged in some kind of criminal activity, for which there is no evidence whatsoever to justify an investigation, that he would report it on his tax returns? Give me a break.

Making a custom location on Instagram is actually quite easy and gives you an advantage to other businesses because it allows you to drive traffic via location.First off, Facebook owns Instagram; therefore, any location listed on Facebook also appears on Instagram. So you are going to need to create a business location on Facebook.So let’s dive into how to create a business location on Instagram.Make sure that you have enabled location services through the Facebook App or in your phone settings. If you are using an iPhone, select “Settings” → “Account Settings” → “Location” → “While Using The App”You need to create a Facebook check-in status. You do this by making a status and type the name of what you want your location to be called. For example “Growth Hustlers HQ”. Scroll to the bottom of the options and select “Add Custom Location” then tap on it!Now that you’ve created a custom location you need to describe it. It will ask you to choose which category describes your location, which you will answer “Business”.After choosing a category Facebook will ask you to choose a location. You can either choose “I’m currently here” or you can search for a location that you want to create for your business.Finally, publish your status. Congratulations! You have just created a custom location to be used on Facebook and Instagram.Now you are able to tag your business or a custom location on Instagram.If you have any questions about Social Media Marketing for businesses feel free to check out GrowthHustlers.com where you can find tons of resources about growing your Instagram following.

Its not that complex… Here, i have written everything you need to know about Mutual funds. Read this, you can start investing without anyone’s help.Mutual fund is like fixed deposit where we deposit our money and it will give us return.There are three types of mutual funds, they are debt fund, equity fund & balanced fund.Debt fund is similar to Bank. When we invest our money in debt fund, fund house will use our money to give loans to private companies or Indian government or State government.Debt fund - Risk is low. Return is around 8%. If you withdraw money within 3 years, you need to pay tax based on your income tax slab (like 10% or 20% or 30%). If you withdraw after 3 years, you need to pay 20% tax with indexation.Indexation: 20% tax with indexation means you will be discounting inflation while paying tax. So you will be paying less tax after discounting inflation (less than 15%)Inflation: Inflation is most important factor when comes to finance. It means decrease in purchasing power of money. To give you an example, before 10 years Rs.10 is a big amount. But now??? In 10 years from now Rs.10 will be nothing. Thats the inflation, every year value of money will get reduced. Government regularly release inflation details.There are many types of debt funds like gilt, income, short term, liquid, ultra short term.Gilt fund - your money will be loaned to government. Risk is very low since borrower is Government.Income fund - you will receive monthly income. Suitable for retired people.Liquid fund - you can withdraw your money anytime without any charges. It is like savings account.Short term or Ultra short term - if you like to invest only for some months.Let me warn you, debt funds are not risk free. They too carry some risk. Sometimes company default loans (Vijay Mallya, Nirav Modi). Then there is a risk of interest rate.If like to invest with minimal risk, then open the debt fund in valueresearchonline website. There you will find the below diagram (or chart?). Good low risk debt fund should have black box in red area. The meaning is, the fund is less sensitive to interest rate change and has good credit quality.Equity fund. As the name says, your money will get invested in Share market.Equity fund is riskier than debt fund. But it gives good return like 12% to 25%. If you withdraw withing an year you need to pay short term capital gain tax of 15%. If you withdraw after 1 year and if your return is more than 1 lakh, you need to pay capital gain tax of 10%.It is recommended to hold equity mutual funds at least 5 years to see decent return.Equity mutual funds comes in many types like large cap, mid cap, small cap, sector.Large cap or Bluechip fund - your money will get invested in big companies. Risk is low and return is around 10% - 13%.Mid cap fund - your money will get invested in medium size companies. Return is more than 13%. Medium risk.Small cap fund - your money will get invested in small companies. Very risky but good return, more than 20%.Sector fund - your money will get invested in companies in specific sector. For example, Equity Infra fund means, your money will get invested in Infrastructure companies. Return varies based on sector, but it will be more than 15%.Index fund - Return is around 10%. Medium risk.What is index fund? There are many indices in India like Nifty, Sensex, Bank nifty, etc., Each index comprise of many companies with different weightage. For example, Nifty comprise of top 50 companies in NSE. If you invest your money in Nifty index fund, it is like investing in top 50 companies in NSE.ELSS - It is tax saving mutual fund. You can save tax under Section 80C. It is getting popular now. Lock in period is 3 years. Return is around 12%.Arbitrage fund - It is very very low risk equity fund. Arbitrage fund won’t get affected by markets up and down. Return is 8%. Taxing is same as equity mutual funds.Balanced or Hybrid fund. It is mix of Equity and Debt fund. (65% equity and 35% debt). Low risk. Return around 12%. Taxation is similar to equity fund.First, choose fund type based on your risk potential (like debt or equity or balanced).If you are retired person or if you don’t want to take any risks then choose Debt funds.If you like to take only small amount of risk, choose balanced fund.If you earn average income, then choose balanced fund or large cap or both.If you fall under huge income category, then mix large cap, mid cap and small cap.To choose fund, visit Funds - Value Research Online. Here are the list of things to note while choosing fund…See the fund’s performance from inception. See yearly, 3 year, 5 year and overall return.See the expense ratio. Expense ratio is the amount you are going to pay as commission. Less than 1% is better.See exit load. This is amount you need to pay when you withdraw.Value research online gives star rating for all funds. Choose funds with atleast 4 Stars.IMPORTANT NOTE: All funds comes in two plans Regular & Direct plan. Regular means you invest via Broker or Agent. Direct means you invest directly. Broker or Agents charge commission. Their commission will be around 1% per year. IT IS LOT OF MONEY. So never go with Broker or Agents.If you are new to mutual fund, you need to register KYC first. It is one time process and it is centralized. Once you get registered, you can invest in any mutual funds just by giving your PAN number. To register KYC, first select fund house (example, SBI Mutual fund or HDFC mutual fund). Find their office in your city and go and register KYC. You can also register e-KYC online, but it has some limitations. So i suggest you to visit office and do it in person.Once KYC is done, you can invest in any mutual funds. If you do KYC in SBI mutual fund, you can also invest in HDFC or ICICI mutual funds. KYC is centralized.Once KYC is done, visit mutual fund company website (like SBI mutual fund site or LT mutual fund site). Register there. Start investing. You can either invest as Lump sum. Or as SIP. SIP means you can invest small amount monthly. Money will be automatically deducted from your account.FAQ:When should i invest?If you are planning to invest via SIP you can start anytime. But if you are planning to invest as Lumpsum, there is a completely different approach. If you like to invest lumpsum in debt fund. You can invest anytime, no issues.But if you like to invest lumpsum in equity mutual fund, you need to follow different approach, since investing lumpsum in equity mutual fund is very risky. First invest your lump amount in liquid fund or ultra short term debt fund [Lets call Fund A]. These funds don’t have exit load (or withdrawing fee), so there is no charges when money gets transferred. Now, set up STP (Systematic Transfer Plan) to transfer a fixed amount monthly to an equity fund [Fund B]. For example, if you have 1 lakh lump amount, set a monthly amount to Rs.5,000. Every month, Rs.5,000 from Fund A will get transferred to Fund B. Fully automatic.Note: Never invest lump amount directly in equity mutual funds.Is there any service which helps me to invest in Mutual funds easily?There are so many apps these days which help you to invest money in mutual funds via direct plan. Like, Zerodha Coins [Not a promotion, you can try any app you want]. These apps are not free, they charge small amount monthly. You can easily set up investments from the app and also you can track the fund performance. I personally find such apps useful.I heard mutual fund is risky.Every investment is risky, whether it is real estate, gold or FD.Gold. What if someone stole or you lose is somewhere? Think how many times you heard from your friends or relatives (or happened to you) that they lost Jewels?FD. FD return is very low. If you are a tax payer and if you invest in FD, then you are LOSING MONEY because of tax and inflation. You will be losing 1% or more per year if you invest in FD. And also, what happens if bank goes bankrupt? FD is insured for Rs.1 lakh. If you have 10 lakhs in FD and bank goes bankrupt, you receive Rs.1 lakh.Real estate. Many factors affect real estate like current government, policies, economy, water issue, etc., And there is liquidity problem . You can’t buy or sell real estate fast.Like these mutual funds also carry risk. If you plan properly you can reduce the risk by investing GILT fund or Arbitrage fund. Remember, mutual fund house invest your money in companies like ICICI bank, TCS, ITC, Tata motors, etc., It is very unlikely that these companies shut down their business.Is it true that debt fund carry Zero Risk?No. As i said earlier Risk is everywhere. When compared with equity, debt fund carry low risk. Still there is some risk. Companies default their loan (remember Kingfisher?). Companies goes bankrupt.What funds are you investing?I am investing in…Aditya Birla SL Balanced '95 Direct-G (Balanced fund)IDFC Focused Equity Direct-G (Large and mid cap)L&T Emerging Businesses Direct-G (Small cap)What should i choose? Growth or Dividend or Dividend reinvestment?Growth - To unleash the power of compound interest choose Growth. It will give you massive return in long term. (Recommended)Dividend - If you want regular income from your investment, then choose Dividend. This option is recommended for retired people.Dividend reinvestment - Companies release dividend regularly. If you choose this option then fund house will buy new units of the fund with dividend money.If I choose dividend fund, do I need to pay income tax for dividend income?No, there is no income tax for dividend income.What is the minimum age required to invest in mutual fund?There is no minimum age. You can start at any age. If you are below 18, you need to provide birth certificate.What is the minimum amount needed to invest in mutual fund?You can start with as low as Rs.500.I am already investing via Regular plan. How to switch to direct plan?Visit fund company website. Register yourself and login. There will be option to Switch. While switching select Direct plan. Simple.How do I know whether I am investing in Regular plan or Direct plan?Login to your account or check your statement. See the fund name. If the name ends with Direct, it is direct plan. Or if it ends with regular it is regular plan.What should i do after investing?It takes atleast 5 years to see decent return from equity mutual funds. Bookmark the website value research online. It is popular site about mutual funds. They give star rating for all mutual funds. Good fund should have atleast 4 stars. Every once in a while check number of stars for your fund. If it goes below 3 stars, i suggest you to switch fund.I am investing in equity mutual fund. I got negative returns. Now i have less money than what i invest. What should i do?Market fluctuates. It is normal. As i said earlier, you need to wait atleast 5 years to see decent return from equity mutual funds.How to withdraw money?Login to your account. Choose redeem option. Money will be withdrawn to your bank account.How to terminate mutual fund?First redeem your money. Then you need to send post (physical, no email) to mutual fund company asking them to terminate. But it is not necessary. Just withdraw money and done with that.What happens if I fail to pay monthly instalment for SIP because of no funds in my savings account?Nothing will happen. Don't worry.How to switch funds?Case 1: Switch funds from same fund house. For example, LT Fund A to LT Fund B. Login to fund house website. Choose switch option. It is simple.Case 2: Switch funds of different fund house. For example, LT Fund A to SBI Fund A. There is no direct option for this. First you need to withdraw money from fund A and invest freshly in Fund B.How to track my mutual funds investments?If you are investing via apps like Zerodha coin, you can easily track form those apps.What are open ended and close ended mutual funds?When comes to mutual funds always go with open ended funds. Open ended fund gives better return than close ended. And also you can enter and exit open ended funds anytime.———————————————————————————————————Hope, i explained everything here. Please don’t contact me with questions which i already explained here. I won’t respond. Spend some time to read. If i missed anything, do comment here.Invest with your own risk. Market fluctuates, sometimes market crashes, companies default their loans. Anything can happen. I am just sharing knowledge.Happy investing.Ashok Ramesh.

There needs to be no release of information whatsoever. If you don’t sign off on releases of information, treaters cannot even mention they have any awareness of your existence.However, because of employment and insurance needs (to substantiate the leave) SOME information must be released—but only to eyes/people also subject to HIPAA rules—HR and the insurance co. It shouldn’t go to any supervisor or employee you work with except HR, who processes the information.Realistically, HIPAA (Health Insurance Portability & Accountability Act) is VERY tightly kept, but insurance companies need to know about your progress with an outpatient treater or an inpatient facility. The insurance company, depending on the degree of your treatment, will get a pretty thorough report on your progress, because as treatment winds down, they will be parceling out longer stays day by day.This should not concern you that much. They also are bound by HIPAA, and face immediately dismissal if they violate HIPAA.As a nurse working in the field and a new nurse during the peak of the AIDS epidemic, when HIPAA came into effect, I know the information is tightly guarded. If a treater not assigned to you so much as looks up your progress on the computer, the IT people will have a chat with you, and chances are 99% that person (MD, RN, CNA) will be out the door.It’s probably not a secret that you have a substance abuse problem to your employees, and whoever knows the symptoms of the disease will have recognized your behavior for what it is. Nonetheless, THEY are not allowed to say anything about it.Usually a good employer just wants you get well and will be relieved you are seeking treatment. This is just understood.You should check with your insurance carrier first to see which facilities they will cover most extensively, as costs vary widely as does efficacy of treatment.If you’re not in a healthcare setting, you can’t believe how strictly these policies are enforced. If you are, you KNOW.Here’s the wikipedia link to more about HIPAA:Health Insurance Portability and Accountability Act - Wikipedia

This does not fall under HIPAA. Under the HIPAA regulations, the entities that must comply with the rules are defined as "covered entities" which are: health care plans, health care providers, and health care clearinghouses. So health clubs or gyms do not meet this definition and are therefore not subject to HIPAA. However, depending on your state, there may be laws which protect the sharing of this type of information.

I'm in my 50s. I've known I was adopted since I was three or four. There was a little book, explaining how it all worked in very kid friendly terms. My sister was also adopted, a year and a half after I was; my brother was not.It was known, openly discussed in our family, but once everyone was on board with the underlying facts, it wasn't a topic of conversation. In fact, I don't recall it being mentioned at all for decades at a time.When I was in high school, it came up in an unexpected way. My girlfriend did some really egregiously over the top things that offended my parents, who insisted that I break up with her immediately. I declined. In the predictable fallout from that, in a fit of pique, she suggested that I move out and "find my real parents".I was shocked, to put it mildly. As far as I was concerned, the people that raised me were my "real parents". That conversation (and the ones that followed) did more damage to my relationship with her than with my parents.Through my 20s and 30s, I never really thought about it. I mean, like at all. It was part of the fabric of my life, part of the wallpaper. It just was.In my early 40s, some things happened that set me to thinking. A therapist suggested that some of my attachment issues might be deeply seated in that whole "given up for adoption at birth" thing, and set me on a course of reading, material from authors who supported that concept. I gave it some thought. I signed up for a registry, and nothing happened. I stopped thinking about it.Some years later, not long after marrying my wife, we got pregnant. And that set a whole new chain of thoughts into motion.  My wife had grown up not knowing her father, or actually even knowing who he was, and had only met him a few years prior in her late 30s. She talked about how hard it was with her older kids, having to cross out whole sections on medical intake forms and write in "Unknown". How scary it was to wonder what genetic predispositions they might have to unknown conditions.She earnestly suggested that I might not want to experience that, and that our unborn child might also want to have that information, and contact with actual biological family.I hesitated. I dragged my feet. I prevaricated. Eventually, I re-contacted the registry - and discovered that I hadn't heard anything because I'd not correctly filled out my intake form. I corrected that, and instantly got a response back from a researcher. I had a name.Lucy Smith.I had some back-story, thanks to my high-school girlfriend. Her mother had been the assistant to the attorney that handled my adoption paperwork for my parents, and she knew stuff that I hadn't been told. That my mom was 16 at the time, from somewhere in Oklahoma. That she was very much in love with a slightly older boy, had gotten pregnant, and had wound up being forcibly separated from him and put in a home for unwed mothers.From there, I had facts. I knew the name of the establishment, knew the name of the hospital I was born in, and had enough of a case to petition for opening my sealed adoption records, based on medical need.The file was empty. Literally, empty. Nothing. No contents.It pretty much let the air out of my balloon. I halfheartedly did some more research and learned that the particular home for unwed mothers where my biological mother wound up was ultra protective of its girls, and that they frequently used pseudonyms for the girls both in the house and at the hospital. And that they'd been closed for some time, and the organization which inherited custody wasn't open to disclosure, and had been accused of destroying records in the past.Was "Lucy Smith" a fake name? Or possibly worse, a real one? And what's the path to finding an answer? I sure can't find one.For me, there might or might not be closure in it. For my son, there's a chance of having an extended family that he'd never have otherwise. I'd be delighted for his sake if there were an answer, but the trail I have is old, and cold, and protected by people who are guarding the secrets of the past from a sense of morality that's past its expiration date.If I had more to go on, I'd still be looking.

There's really nothing stopping a determined set of criminals from accessing or attempting to access "privileged information" from any source they want to. While extortion and bribery laws may slow most down and encryption might stymie a few more, most criminals with ready cash and a burning desire to know, can pretty much find out what they want.What probably stops or halts most are the following:Most criminals are stupid - They haven't considered what they will do when they are detected or caught ( most assume that it will never happen) and when it does occur, they foolishly have no plans as to what they can do to mitigate or end the threat of prosecution against them.Many criminals are surprisingly poor planners - This is slightly different than them being stupid in that they may be intelligent, but they are unable to form coherent and cohesive plans on how effectively avoid being prosecuted and jailed. Poor planning is the undoing of most criminal activities.Many times it just doesn't work - Someone calls an attorney or a witnesses home and leaves an anonymous threat. And...nothing happens. The threat is either vague, considered to be b*llshit or it simply doesn't deter the person from testifying. If your threats are ignored, you'll have to:Follow through with them - Most criminals won't follow through with a threat. They are too cowardly; they have waited too long before making the threat or they have no means to do so. If you threaten serious harm, you have to be willing and able to follow up on that threat. If you do not, then your words become meaningless.Many are resigned to their fates - Surprisingly, many criminals will allow themselves to be prosecuted and sent to prison even though they have the assets on hand to flee or to "impair" the ability of witnesses. They seemingly don't even consider that leaving or "altering a witness' mindset" will stall or halt any prosecution against and they go to court and to prison like lambs to slaughter.

You will have a FSA ID. Keep it somewhere secure and where you can find it when it is needed again over the time your kid is in college. Use this ID to “sign” the parent’s part of the FAFSA.Your student will have their own FSA ID. They need to keep it somewhere secure and where they can find it when it is needed again over the time they are in college. They will use the ID to “sign” their part of the FAFSA.There is no need to show your student your part of the FAFSA. I do suggest you just casually offer to help your student fill out their part of the form.The Parent’s Guide to Filling Out the FAFSA® Form - ED.gov BlogThe FAFSA for school year 2018–19 has been available since October 1. Some financial aid is first come-first served. I suggest you get on with this.How to Fill Out the FAFSA, Step by StepNotes:Reading the other answers brings up some other points:The student pin was replaced by the parent’s FSA ID and the student’s FSA ID in May, 2015. Never the twain need meet.Families each need to deal with three issues in their own way:AffordabilityIf you read my stuff you know I am a devotee of Frank Palmasani’s, Right College, Right Price. His book describes an “affordability” exercise with the parents and the student. The purpose is to determine what the family can afford to spend on post-secondary education and to SET EXPECTATIONS. He’s not talking about putting your 1040 on the dining room table, but sharing some of the basics of family finances.I get the impression that many families ignore this issue.  I have a study that shows five out of eight students assume their families are going to pay for college regardless of cost. Most of these students are in for a big surprise.PrivacySome parents may want to hold their “financial cards” closer to their chest than others. In my opinion that’s OK. I suppose an 18 year old kid, theoretically, has the right to keeping his finances private. My approach to this would not be to make a big deal out of it but to offer to help them fill out their part of the FAFSA. The main objective should be to get the FAFSA filled out properly, in a timely fashion.FraudThis is absolutely not acceptable, and, hopefully, those who try it get caught and suffer the consequences. (I had a conversation with a father recently who was filling out the CSS Profile. He wasn’t intent on committing fraud. He thought he was being clever in defining assets. After our conversation he had to file a signNow revision. This revision was a good thing because two or three years from now his mistake was going to come to light. I’m not sure what the consequences of all that would have been, but, at a minimum, it would have been a big mess to unwind.)

Under HIPAA, a \u201cpersonal representative\u201d is the person who has authority to make healthcare decisions for the patient under applicable state law. (45 CFR 164.502(g)(2)-(3)). A personal representative generally has the right to access or authorize disclosures of information just like the patient.

Instructions - Authorization to Release Information \u201cProtected health information,\u201d means individually identifiable health information. It is information about you, including your name, address and medical information and may relate to your past, present or future physical or mental health or condition.

The authorization form must be written in plain language to ensure it can be easily understood and as a minimum, must contain the following elements: Specific and meaningful information, including a description, of the information that will be used or disclosed.

Release of information (ROI) in healthcare is critical to the quality of the continuity of care provided to the patient. It also plays an important role in billing, reporting, research, and other functions. Many laws and regulations govern how, when, what, and to whom protected health information is released.

HIPAA does not impose any specific time limit on authorizations. For example, an authorization could state that it is good for 30 days, 90 days or even for 2 years. An authorization could also provide that it expires when the client signNowes a certain age. In this case, the 90-day expiration date is set by the agency.