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What Happens if My Car Insurance is Canceled for Nonpayment?

Just like with any recurring bill, you need to pay your car insurance premium regularly or your insurer will stop providing coverage. But unlike a missed phone bill, the consequences of missing an insurance payment can be far-reaching. After a cancellation for a missed payment, the insurer can increase your rates and your license may be revoked.

You'll usually have a grace period of between one and 30 days, but you shouldn't count on it to protect yourself. It's essential that you contact your insurer as soon as you realize you're behind on your insurance payments.

What to do if you can't afford or miss a car insurance payment

As soon as you realize you will likely miss or have already missed a car insurance payment, call your insurance company to let them know you're aware of the situation and ask what you can do next. The options available will depend on how long you've gone without paying your car insurance bill, your insurance company's policies and the laws of your state. But no matter the details of your situation, it's key that you communicate with your insurance company to figure out an arrangement. Ignoring or delaying the issue will only make your problems worse.

If the payment is not yet due

If your auto insurance payment is not yet due, or it hasn't been processed but you know you won't be able to afford it, you may be able to postpone payment or extend the due date temporarily while you come up with the money. Depending on your insurer, you may not even have to call an agent to do so. For example, Geico allows customers to delay auto-pay bills by up to nine days through the company's mobile app.

The agent you're working with may have some discretion about how much leeway to give you, especially if you have a credible reason why you won't be able to make the payment. They may also be able to arrange a partial payment to keep you insured if your insurance company allows it.

If you've missed payment by a few days

If you've only missed the payment by a few days to a week, you likely can reinstate your policy without a lapse in coverage or other serious consequences, as you're still in the grace period. You'll have to pay the amount you missed, usually with a late payment fee. Make sure to do so promptly, though, as the grace period may vary.

If your car insurance has been canceled

If your insurance premium went unpaid long enough for your coverage to be canceled, you'll have to apply for a new policy. Unfortunately, your rates will likely increase, as car insurance companies charge more for drivers who have had their insurance terminated due to missed payments. It's even possible that your previous insurer will not offer you insurance at all, in which case you'll need to go with another company, such as a nonstandard insurer.

It's illegal to drive without insurance in nearly every state, so once your insurance is terminated, you won't be able to drive. The longer you go without coverage, the bigger the price increase will be when you purchase a new policy.

After you have insurance again, you should contact your state's department of motor vehicles to update your insurance information and confirm that your registration and driver's license are still valid. You should also make sure you don't owe your old car insurance company money. It may eventually pass any overdue debts to a collection agency.

What happens when your car insurance is canceled for missing a payment?

If you miss a car insurance payment, you'll receive a legally required notice of cancellation from your insurer. This notice may come in the mail or by a phone call or email.

You'll usually have 10 to 20 days between the date of the cancellation notice and the date you are no longer covered. The exact amount of time differs by state. After that, your insurance will officially lapse and you'll no longer be able to drive your car legally. In some states, letting your insurance lapse also voids your registration — either right away or a few weeks after your insurance lapses. But no matter where you live, the longer you wait before rectifying the problem, the greater the consequences will be. So make sure you contact your insurance company immediately.

Long-term consequences of canceled insurance due to missed payments

If your car insurance lapses or is canceled, whether it's because of nonpayment or any other reason, you will likely face financial ramifications of some kind. The consequences can continue even after you have reinstated your insurance. Here are some possible outcomes of missing your car insurance payments.

  • Administrative fees at the DMV: Some states will charge you for even a brief lapse in insurance coverage. For example, in New York, drivers have to pay $8 per day for up to 30 days during which their insurance was lapsed, with increased penalties thereafter.
  • Car registration or driver's license suspension: Nearly every state requires drivers to insure their cars in order to register them, and many states require insurance companies to notify them if you let your insurance lapse. This could result in the automatic suspension of your car's registration or your driving privileges, leaving you unable to legally drive. You might even be required to carry an SR-22 if you are caught driving while uninsured, especially if you cause an accident.
  • Higher auto insurance rates: Insurance companies like to see that drivers can reliably pay their bills on time every month. People who let their coverage lapse, even for a short amount of time, will likely see an increase in car insurance prices the next time they renew.
  • Repossession of a loaned/leased car: Most car lenders require you to maintain full insurance coverage on the vehicle as long as the vehicle is financed. If your car lender finds out you are not carrying insurance on the vehicle, it may repossess the car.
  • Your credit score can drop: If you owe money on your car insurance and your insurer passes the debt to a collection agency, it will likely impact your credit score. This can affect your ability to get a credit card or loan, and the derogatory mark will remain on your credit report for up to seven years.

What happens if I pay my car insurance late?

If you pay your car insurance a couple of days late, you will most likely still be in the grace period. However, you will probably be charged a late payment fee. If your payment is later than the grace period allows, your insurance can lapse.

How long is the grace period before your insurance policy lapses?

The grace period for late payments before your policy lapses varies by insurer and by state. The grace period is typically anywhere between one and 30 days. It is very important to know the grace period for your policy and to contact your insurer if you expect to make a late payment.

How can you reinstate canceled auto insurance?

When your auto insurance is canceled, the first thing you should do is call your current insurer. If your policy has only lapsed for a couple days, it’s possible they can reinstate it. If your insurer requires you to get a new policy, you should shop around to search for the best rate. To learn more, check out our article on how a lapse in car insurance coverage affects rates.

Источник: https://www.valuepenguin.com/car-insurance-canceled-nonpayment

A prescription for better health.

Drug prices can differ based on benefit plans, whether or not deductibles are met, and pharmacy pricing.

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Growing pains: How CBD crashed Montana's hemp economy and the struggle to bring it back


To people convinced of its therapeutic properties, cannabidiol (CBD) is nothing short of a miracle drug. Proponents of CBD — which is extracted from the flower of the cannabis plant — variously claim it is a safe and effective treatment for chronic pain, diabetes, anxiety, multiple sclerosis, hypertension, Parkinson's Disease, arthritis, schizophrenia, acne and cancer.

However, few of these claims have been subjected to rigorous clinical testing. Most rely upon small studies, anecdotal evidence and personal testimony. To date the U.S. Food and Drug Administration (FDA) has only approved CBD for one prescription medication, Epidiolex, which is used to treat rare forms of epilepsy and a genetic disease that causes non-cancerous tumors to grow in the brain. The administration also warns that CBD may cause liver damage and has been linked to reduced male fertility.

"The FDA is concerned that people may mistakenly believe that using CBD 'can’t hurt,'" the administration warned in an informational news release. "We have seen only limited data about CBD’s safety and these data point to real risks that need to be considered. Consumer use of any CBD products should always be discussed with a healthcare provider."

While the curative value of CBD remains unclear, one thing can be said with certainty: During the initial rush to capitalize on booming CBD markets, out-of-state CBD processors came to Montana with big promises about the big money to be made growing hemp.

The sales pitch came as Montana agriculture was just emerging from some of the lowest wheat and barley prices in a generation, and grain growers were eager to explore alternative crops to bolster their bottom lines.

"In 2019 commodity prices were very, very difficult for farmers," recalled Montana Hemp Program Coordinator Andy Gray. "You had wheat at $4 a bushel, corn was very low, so you had all these farmers looking for an alternative to the crops we've been growing here for generations. They listened to some folks who were basically trying to sell them snake oil, saying you can make $20,000 an acre with this hemp. It was just kind of like this perfect storm in 2019 where guys heard about other farmers who had made out really well growing hemp, and a bunch of people who weren't from the farming industry come in, and things didn't go very well."

Hemp production in Montana was introduced as a pilot program in 2017. In that year 22 growers were licensed to plant about 5,000 acres across the state. After the 2018 Farm Bill broadened legalization of hemp the crop took off. According to Montana Department of Agriculture statistics, 277 growers were permitted to grow hemp in 2019, with total plantings across the state covering about 51,000 acres.

However, the promises of big rewards for Montana hemp harvests never materialized.

"These guys came in saying this is how you have to farm hemp," recalled Andrew Bishop, co-founder of Ag Processing Solutions, an agriculture engineering and consulting firm headquartered in Vaughn, "but they didn't have any real world experience farming in Montana. They might have come from Kentucky and said, 'this is how we farm it in Kentucky, so just do it the same way.'"

"They had their farmers all grow CBD varieties of hemp," Bishop continued. "That failed absolutely miserably in Montana … and then they just disappeared and never paid them. It was truly awful what they did to farmers."

Montana courts agreed.

Last June, a Wolf Point jury awarded the second largest civil judgement in Montana history to 25 eastern Montana farmers defrauded by CBD processors Vitality Natural Health and Eureka 93. The jury found the two Canadian companies guilty of deceptive and fraudulent practices, and ordered them to pay $65 million in compensatory and punitive damages after they failed to honor contracts guaranteeing Montana farmers profits of $500 to $700 per acre to plant and harvest CBD producing varieties of hemp.

Both Vitality Natural Health and Eureka 93 have now declared bankruptcy.

“You don’t roll in and try to dupe a bunch of farmers [to grow] what could be a worthwhile commodity for the region without any money," Bainville farmer Beau Anderson told the Montana Free Press of the historic settlement.

Understandably, Montana farmers quickly grew leery of hemp. From a high of 51,000 acres in 2019, Montana hemp plantings have now shriveled to around 10% of that in 2021 Montana's once promising hemp industry crashed, and may take years to recover.

That's the real tragedy of Montana's initial foray into hemp; that an alternative crop with so much promise was cut off at the stalk due to the actions of a handful of bad actors.

"Farmers don't want to grow hemp because processors promised them the world then disappeared with the wind," said Drew Savage, project manager for Ag Processing Solutions. "The problem is that there are still many people interested in utilizing hemp hearts (the interior of hemp seeds) as a food ingredient. They're interested in utilizing the herd (core fibers of the hemp stalk) for Hempcrete, and as a bioplastic. They're interested in using it, but they can't get it in their hands because no one's actually processing it in the U.S."

It's been legal to import hemp fiber, cosmetics and nutritional products into the U.S. since 2004, but with a few limited exceptions the cultivation and production of hemp was a federal offense in the U.S. until passage of the 2013 Farm Bill. That legalistic hurdle has allowed Canadian hemp producers to establish a firm upper grip on North American hemp production, an industry the Hemp Business Journal estimates will reach $2 billion in sales in 2022.

"They legalized hemp over 20 years ago," explained Ben Brinlow of the Canadians' dominance of North America's hemp production.

Brinlow is the lead agronomist for INDHemp, a Fort Benton-based hemp processing company. 

"They've been able to make strides in breeding, genetics and learn all about the nutrition side and pest management," he continued. "They've kind of set the foundation for grain hemp … worldwide. We're coming in trying to gain all that information in a few years and build that knowledge for Montana."

Starting with that disadvantage, Montana hemp processors are now focusing their attention away from CBD, and toward a more diverse spectrum of well-established and developing applications for hemp.

The importation and domestic production of hemp in the Americas is well documented. Going back to the early 17th century, the tough and fibrous stalks of the hemp plant were valued as a commodity in the production of textiles, most notably rope and ships' sails. According to the Oxford Dictionary, the English word "canvas" is derived from the Greek word "cannabis," meaning "made of hemp."

The use of hemp in the production of durable textiles for clothing, shoes, belts and bags remains a major component of today's U.S. hemp economy. However, hemps greater economic future may lie in a new generation of products like "hempcrete" and bioplastics.

"The majority of the products that we will produce will be non-woven textiles," Brinlow said. "People can use hemp for plant-based insulation. It can be used for biocomposites — plastics and hemp fiber as well."

According to Brinlow, major U.S. industrial manufacturers are already employing hemp as an alternative to less sustainable petrochemical alternatives like fiberglass.

"The Ford truck right here — the cushioning in there — is a plant based material from soybean," he noted. "Ford Motor Company, Toyota, Mercedes Benz, BMW all use plant based fibers; however, hemp is one of the strongest fibers and has many more applications than some of these other natural fibers. Mercedes Benz and BMW are already manufacturing vehicles with hemp-based fabrics and materials in their headliners to replace fiberglass."

According to Drew Savage, the durable qualities of hemp have already made it a favorite of horse breeders.

"There are tens of millions of pounds of hemp herd sold in the U.S. every year, but it's typically for animal bedding," Savage said. "In Virginia and in places where horses typically have pine shavings as an animal bedding, all the high-end horse people are transitioning to hemp because the pine shaving can get into the horse's noses and cause respiratory issues."

On the cusp of economic prosperity lies the next generation of hemp-based materials. One core construction material with promise is "Hempcrete," a biocomposite mixture of hemp hurd (the woody core of the hemp stalk), lime and sand used as a material for construction and insulation. The result is a lightweight insulating building material that combines stability and insulation.

Slightly less proven, but equally promising are hemp bioplastics: durable, sanitary and malleable, capable of producing containers that would decompose within decades, not centuries.

"I think the people in my generation what to move away from single-use plastics that are petroleum based and will spend an eternity in a landfill or float in our water system," Savage explained. "That's a huge issue, and it's definitely a problem. 

"Some of these (hemp-based) bioplastics start to break down and are biodegradable in 15 months. That's a huge benefit, not only for our community but for the environment as well. It's a sustainable crop that also traps carbon."

Skeptics counter that none of the next-generation hemp based products have proven their economic viability for the decades to come. Neither had cell phones prior to the 1990s.

Asked where he sees hemp within Montana agriculture after 2026, Montana Hemp Program Coordinator Andy Gray drew in a long breath and offered the following.

"This is probably as much of a hope as it is a factual forecast, but I think five years from now acres of hemp grain and hemp fiber will be up and it will be a promising new alternative crop in Montana.

"A lot of the pieces of the hemp story is relative to the price of wheat and barley, Montana's staple crops. If wheat and barley prices are super high for the next five years, hemp's going to creep along. It's not going to advance like crazy. If wheat and barley is down, that provides an opportunity. Hemp has a place regardless, because it's a good crop for rotation and it has potential for growth in all the different end products, but those other commodities do have an effect on how much is going to be grown.

"Montana is built for big acreage and mechanical harvest, not to say we can't do the small acreage and the green houses kind of stuff, but I think there are other states that are better suited for that and will do better with the CBD part. Montana's stronghold in the hemp industry will probably be fiber and grain."

David Murray is Natural Resources/Agriculture reporter for the Great Falls Tribune. To contact him with comments or story ideas; email dmurray@greatfallstribune.com or call (406) 403-3257. To preserve quality, in-depth journalism in northcentral Montana subscribe to the Great Falls Tribune.

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Источник: https://www.greatfallstribune.com/story/news/2021/11/23/montana-marijuana-indutstry-cbd-cannabis-hemp-farmers-agriculture-economy-struggle/5311997001/

State Farm Renters Insurance Review

Personal property: This covers your personal belongings, which includes items such as furniture, musical instruments, electronics, clothing, pots and pans, rugs and artwork. It covers damage from problems like fire, smoke, vandalism, theft, falling objects, explosions and the weight of snow and ice.

Liability: Liability insurance pays when you are sued for property damage or injuries to someone else. It also pays for your legal defense. For example, if someone falls in your apartment and you get hit with a lawsuit, renters liability coverage can pay out if you’re legally liable.

Medical payments: This coverage type is typically included in a renters insurance policy and pays for smaller medical bills, regardless of who was at fault. For example, if a guest accidentally cuts their hand on a sharp corner, this could pay out to cover medical expenses. Coverage amounts are small and usually start at $1,000.

Additional living expenses: If you can’t live in your apartment because of a problem covered by your policy (like a fire), additional living expenses coverage pays for hotel bills, takeout meals and other extra expenses, like laundry services.

Replacement cost coverage: Consider adding this option to a State Farm renters insurance policy. This pays to replace your belongings with new items if they are damaged, destroyed or stolen. Actual cash value coverage, on the other hand, pays for only the depreciated value of your items.

Источник: https://www.forbes.com/advisor/renters-insurance/state-farm-renters-insurance-review/

How did the farmers win against the mighty Modi?

On 26 January, the Republic Day of India, a rogue segment of the farmers' movement deviated from their pre-designated route and launched a procession at the Red Fort where they were met with the brutal force of the police resulting in one farmer's death. 

In response, the Uttar Pradesh government ordered the farmers to vacate the Delhi border at Singhu and Ghazipur.

The movement - previously supported by the vast majority of Indians - was being accused of desecrating a national monument and the puppets of the Modi government in the media declared that the movement was essentially over, much like its predecessor against the Citizenship Amendment Act. 

But Rakesh Tikait - the President of the Bhartiya Kisan Union - had no intention of giving up. 

On January 28, a teary-eyed Rakesh called on his fellow farmers as he refused to vacate the grounds and pledged a hunger strike. His emotional call to action revitalised the movement and saved it from potential implosion.

Fast forward to November 19, 2021. 

Against all odds, the alt-right central government in India led by Narendra Modi finally succumbed to the Indian farmers' movement and decided to repeal all three farming bills introduced in September last year. 

Unlike most South Asian countries, India has had a long, proud history of strong democratic institutions. Although these institutions seemed to be threatened under the rule by a strongman like Narendra Modi, the victory of the farmers' movement did serve as a ray of hope.

In fact, the success of the farmers' movement in India was probably the first of its kind: a well-organised battle of attrition by the people of India against the ruling party without any assistance or leadership from any political party. 

The movement showed that you do not need to conform to the ruling party's whims to avail yourself of your rights - an important lesson for future movements both in India and in neighbouring countries. 

But what set off this movement? Why were the farmers protesting? How did they win against the mighty BJP government? Why did the BJP give in to their demands?

Let's go back one year.

The three Farm Acts 2020

On 27 September 2020, the BJP-ruled central government in India passed three agricultural bills, namely, the Farmers' Produce Trade and Commerce (Promotion and Facilitation) Bill, The Farmers; (Empowerment and Protection) Agreement on Price Assurance and Farm Services Bill and an amendment of the Essential Commodities act. 

Anticipating the initiation of the bills, farmers in Punjab threatened to block any rail movement in Punjab from 24 September. But the BJP central government, led by Narendra Modi, decided to ignore them. 

In layman's terms, the three bills would allow farmers to sell their produce outside the purview of their state's Agricultural Produce Market Committees or APMCs, eradicate the middlemen and allow them to directly deal with buyers, i.e., large corporations in the cities. 

Under the pre-existing system, farmers would bring their produce to the local APMCs where their products would be auctioned and sold at a certain price. If some products could not be sold during the auctions, then the government would buy them at Market Support Price (MSP). 

According to farmers, there was a sense of accountability in this system as the farmers had a relatively clear idea about the value of their products, the licensing system gave them an idea about the buyers. More importantly, the Market Support Price (MSP) functioned as a safety net against any uncertainty.

So what was wrong with the new bills?

Firstly, the farmers believed that the bill would favour large corporations significantly more than the farmers and they would be far more vulnerable to exploitation than in the current model. 

Secondly, with the phasing out of market support price (MSP), farmers stood to lose a much-coveted safety net. On top of that, any disputes between the buyers and the farmers would now be dealt with by bureaucrats which the farmers believed were on the payrolls of large corporations.

Regardless of the farmers' complaints and processions in Punjab and Haryana, Indian President Ram Nath Kovind signed the farmers' bill on September 27, 2020.

In response to the three bills, the farmers in India decided to march to the capital Delhi in an attempt to force the central government to listen to their demands. 

As the farmers from Punjab, Haryana and other states were moving towards Delhi in their tractors, the police were ready at each step with water cannons, tear gas and concrete barricades.

It was becoming increasingly clear to the farmers why the central government stuck to its decision, despite BJP having a majority in the parliament (meaning they could easily repeal the bills if they wanted to) and incredible public angst against the bill, and who stood to benefit from this rigidity. Spoiler alert: It is the large corporations.

But the central government had to retreat in the face of strong protests by the farmers as they settled down on the Singhu and Ghazipur border and so began a series of dialogues between the government and the farmers. 

Despite the ongoing protests, the government continued to argue against repeal. So, it was becoming increasingly clear to the farmers why the central government stuck to its decision, despite BJP having a majority in the parliament (meaning they could easily repeal the bills if they wanted to) and incredible public angst against the bill, and who stood to benefit from this rigidity. 

Spoiler alert: It is the large corporations. By this point, the farmers had become so distrustful of the government that a promise of amendment of the bills was rejected by the movement. What followed was a year-long campaign of slander, controversy and nationalistic dog-whistling to nip the movement in its buds.

The participants in the farmers' movement were called 'Andolon Jeevis' (those who protest for money), 'Khalistani' (a Sikh separatist movement) agents and whatnot. In February, the government even shut down the internet around New Delhi - as they did in Kashmir before - inviting international discourse. 

Why did Modi give in now?

Narendra Modi's ultimate selling point was his strong-man like, unwavering image in the face of all adversities. 

He did not apologise for the demonetisation debacle. He doubled down on any opposition against the NRC, CAA bills. He stripped Kashmir off of its autonomous status without even blinking. So, what changed now?

Firstly, the BJP government's catastrophic handling of the second wave led to the worst health crisis in recent Indian history. Adding the farmers' protest and dwindling economic growth to the equation, the BJP's support is dwindling in many states, as evidenced by their underperformance in the seemingly winnable election in West Bengal. 

To add salt to the wound, as the effects of the second wave waned, the farmers began organising their local populace and pledged to make sure that no BJP leaders win from these regions. The BJP leaders could not even enter these regions for campaigning due to intense farmer protests. So, it became virtually impossible to campaign for BJP leaders. 

Things turned for the worst for BJP when Ashish Mishra - son of Union Minister Ajay Mishra - allegedly ran over protesting farmers with his SUV - resulting in a countrywide pandemonium. 

Akhilesh Yadav, an opposition politician as well as a former Chief Minister of Uttar Pradesh doubled down on these mishaps by the BJP and launched a huge campaign in support of the farmers. 

All of these developments worried the incumbent BJP leadership in Uttar Pradesh. If BJP lost Uttar Pradesh as well right after their loss in West Bengal it may have had catastrophic consequences for the party in the upcoming election in the other states as well. 

So, before things could get further out of control, Narendra Modi's government decided to repeal the three agricultural acts and apologise to the farmers.

Farmers are still holding processions at the Ghazipur and Singhu border until the parliament's repeal of the three acts come into effect. They have also promised to not leave their ground until MSP is reinstated. 

The success of the farmers' movement in India serves as a reminder that no matter how extractive the political institutions may become, it eventually has to bow down to the unrelenting will of the people and every autocratic, quasi-fascist regime in the sub-continent should do well to remember this lesson. 

Источник: https://www.tbsnews.net/features/panorama/how-did-farmers-win-against-mighty-modi-332851

Chhattisgarh passes amendment bill to counter centre’s farm bills

The Chhattisgarh assembly on Tuesday approved the Chhattisgarh Krishi Upaj Mandi (Amendment) Bill 2020 that declared the entire state as a market for selling agriculture produce to negate the Centre’s farm laws that allowed private players to directly buy produce from farmers.

Introducing the amendment bill in the House, state’s agriculture minister Ravindra Choubey said it is aimed at protecting farmers of the state from fluctuating market prices and payment risks.

Amendments have been made in the Mandi Act so that farmers can get better prices against their produce. The bill has provision to safeguard the interests of the farmers and at the same time it doesn’t violate any Central laws, thus avoiding confrontation with the Centre, he said.

The minister said the state government could have brought an ordinance and enforce the law but looking at the present scenario across the country, the state decided to call this special session for the purpose, he added.

Speaking over the objective of the bill, Choubey said, “There are 80 percent small and marginal farmers in the state. Since these marginal and small farmers neither have the capacity to store food grains nor to bargain on its prices in the market, it has become necessary to establish ‘Deemed Mandi (Market)’ and electronic trading platform in their benefit so that they can get the right price for their produce without being impacted by market fluctuations”.

Also read: Covid-19 fear looms large among officials as Bihar readies to go to polls

Choubey said in this bill, an amendment Deemed Mandi has been added with Mandi and the state has defined Deemed Mandi as private markets.

The state government may, by another notification, declare/establish deemed market which shall be known as deemed market of the market established under sub-section (l) for the purpose of this Act, sale-purchase, processing and manufacturing, cold storage, silos, warehouse, electronic trading and transaction platform and other such places or structures, in respect of the agricultural produce specified in the schedule.

The amendment bill also has the provision to ensure power to the secretary or any employee of the market committee or the board, who is empowered by the competent authority or notified officers to order production of accounts relating to the purchase and sale of the notified agricultural produce from any person.

Provisions have been added wherein state government departments/officials have been given right to inspection and, if required, seizure as well. They also have the right to inspect storage (godowns) and vehicles and seize if required. The bill has also defined the rights of courts.

The state government may establish an electronic trading platform for the sale of notified agriculture produce. Farmer/seller should sell his produce to the local market as well as other markets of the state and traders of other states through a transparent auction process on the basis of quality to get better price and timely online payment, Chaubey said.

Meanwhile, while discussing the Chhattisgarh Agricultural Produce Market (Amendment) Bill 2020 in the special session of the legislative assembly, chief minister Bhupesh Baghel said that the new agricultural law introduced by the central government is not for the farmers but for the capitalists.

Baghel criticised the three agricultural laws passed by the central government and while underlining the shortcomings of these laws said that the Chattisgarh government wants to protect the interests of farmers and also the business sector of Chhattisgarh.

“People of Chhattisgarh are innocent. Hence, we take it as our responsibility to protect the interests of farmers and general consumers by amending the Mandi Act,” the CM said.

Expressing disagreement towards the idea of opening private markets under the new law of central government, CM said that this seems like a conspiracy to abolish government mandis.

“This law would gradually destroy the mandis,” the chief minister said, adding, “the way chit fund companies looted people, similarly, the farmers and the common consumers will be looted through these new laws passed by the central government”.

(With inputs from PTI)

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Close StoryИсточник: https://www.hindustantimes.com/india-news/chhattisgarh-passes-amendment-bill-to-counter-centre-s-farm-bills/story-9V5SdvuQmYMiLf9EnU2QcM.html

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How did the farmers win against the mighty Modi?

On 26 January, the Republic Day of India, a rogue segment of the farmers' movement deviated from their pre-designated route and launched a procession at the Red Fort where they were met with the brutal force of the police resulting in one farmer's death. 

In response, the Uttar Pradesh government ordered the farmers to vacate the Delhi border at Singhu and Ghazipur.

The movement - previously supported by the vast majority of Indians - was being accused of desecrating a national monument and the puppets of the Modi government in the media declared that the movement was essentially over, much like its predecessor against the Citizenship Amendment Act. 

But Rakesh Tikait - the President of the Bhartiya Kisan Union - had no intention of giving up. 

On January 28, a teary-eyed Rakesh called on his fellow farmers as he refused to vacate the grounds and pledged a hunger strike. His emotional call to action revitalised the movement and saved it from potential implosion.

Fast forward to November 19, 2021. 

Against all odds, the alt-right central government in India led by Narendra Modi finally succumbed to the Indian farmers' movement and decided to repeal all three farming bills introduced in September last year. 

Unlike most South Asian countries, India has had a long, proud history of strong democratic institutions. Although these institutions seemed to be threatened under the rule by a strongman like Narendra Modi, the victory of the farmers' movement did serve as a ray of hope.

In fact, the success of the farmers' movement in India was probably the first of its kind: a well-organised battle of attrition by the people of India against the ruling party without any assistance or leadership from any political party. 

The movement showed that you do not need to conform to the ruling party's whims to avail yourself of your rights - an important lesson for future movements both in India and in neighbouring countries. 

But what set off this movement? Why were the farmers protesting? How did they win against the mighty BJP government? Why did the BJP give in to their demands?

Let's go back one year.

The three Farm Acts 2020

On 27 September 2020, the BJP-ruled central government in India passed three agricultural bills, namely, the Farmers' Produce Trade and Commerce (Promotion and Facilitation) Bill, The Farmers; (Empowerment and Protection) Agreement on Price Assurance and Farm Services Bill and an amendment of the Essential Commodities act. 

Anticipating the initiation of the bills, farmers in Punjab threatened to block any rail movement in Punjab from 24 September. But the BJP central government, led by Narendra Modi, decided to ignore them. 

In layman's terms, the three bills would allow farmers to sell their produce outside the purview of their state's Agricultural Produce Market Committees or APMCs, eradicate the middlemen and allow them to directly deal with buyers, i.e., large corporations in the cities. 

Under the pre-existing system, farmers would bring their produce to the local APMCs where their products would be auctioned and sold at a certain price. If some products could not be sold during the auctions, then the government would buy them at Market Support Price (MSP). 

According to farmers, there was a sense of accountability in this system as the farmers had a relatively clear idea about the value of their products, the licensing system gave them an idea about the buyers. More importantly, the Market Support Price (MSP) functioned as a safety net against any uncertainty.

So what was wrong with the new bills?

Firstly, the farmers believed that the bill would favour large corporations significantly more than the farmers and they would be far more vulnerable to exploitation than in the current model. 

Secondly, with the phasing out of market support price (MSP), farmers stood to lose a much-coveted safety net. On top of that, any disputes between the buyers and the farmers would now be dealt with by bureaucrats which the farmers believed were on the payrolls of large corporations.

Regardless of the farmers' complaints and processions in Punjab and Haryana, Indian President Ram Nath Kovind signed the farmers' bill on September 27, 2020.

In response to the three bills, the farmers in India decided to march to the capital Delhi in an attempt to force the central government to listen to their demands. 

As the farmers from Punjab, Haryana and other states were moving towards Delhi in their tractors, the police were ready at each step with water cannons, tear gas and concrete barricades.

It was becoming increasingly clear to the farmers why the central government stuck to its decision, despite BJP having a majority in the parliament (meaning they could easily repeal the bills if they wanted to) and incredible public angst against the bill, and who stood to benefit from this rigidity. Spoiler alert: It is the large corporations.

But the central government had to retreat in the face of strong protests by the farmers as they settled down on the Singhu and Ghazipur border and so began a series of dialogues between the government and the farmers. 

Despite the ongoing protests, the government continued to argue against repeal. So, it was becoming increasingly clear to the farmers why the central government stuck to its decision, despite BJP having a majority in the parliament (meaning they could easily repeal the bills if they wanted to) and incredible public angst against the bill, and who stood to benefit from this rigidity. 

Spoiler alert: It is the large corporations. By this point, the farmers had become so distrustful of the government that a promise of amendment of the bills was rejected by the movement. What followed was a year-long campaign of slander, controversy and nationalistic dog-whistling to nip the movement in its buds.

The participants in the farmers' movement were called 'Andolon Jeevis' (those who protest for money), 'Khalistani' (a Sikh separatist movement) agents and whatnot. In February, the government even shut down the internet around New Delhi - as they did in Kashmir before - inviting international discourse. 

Why did Modi give in now?

Narendra Modi's ultimate selling point was his strong-man like, unwavering image in the face of all adversities. 

He did not apologise for the demonetisation debacle. He doubled down on any opposition against the NRC, CAA bills. He stripped Kashmir off of its autonomous status without even blinking. So, what changed now?

Firstly, the BJP government's catastrophic handling of the second wave led to the worst health crisis in recent Indian history. Adding the farmers' protest and dwindling economic growth to the equation, the BJP's support is dwindling in many states, as evidenced by their underperformance in the seemingly winnable election in West Bengal. 

To add salt to the wound, as the effects of the second wave waned, the farmers began organising their local populace and pledged to make sure that no BJP leaders win from these regions. The BJP leaders could not even enter these regions for campaigning due to intense farmer protests. So, it became virtually impossible to campaign for BJP leaders. 

Things turned for the worst for BJP when Ashish Mishra - son of Union Minister Ajay Mishra - allegedly ran over protesting farmers with his SUV - resulting in a countrywide pandemonium. 

Akhilesh Yadav, an opposition politician as well as a former Chief Minister of Uttar Pradesh doubled down on these mishaps by the BJP and launched a huge campaign in support of the farmers. 

All of these developments worried the incumbent BJP leadership in Uttar Pradesh. If BJP lost Uttar Pradesh as well right after their loss in West Bengal it may have had catastrophic consequences for the party in the upcoming election in the other states as well. 

So, before things could get further out of control, Narendra Modi's government decided to repeal the three agricultural acts and apologise to the farmers.

Farmers are still holding processions at the Ghazipur and Singhu border until the parliament's repeal of the three acts come into effect. They have also promised to not leave their ground until MSP is reinstated. 

The success of the farmers' movement in India serves as a reminder that no matter how extractive the political institutions may become, it eventually has to bow down to the unrelenting will of the people and every autocratic, quasi-fascist regime in the sub-continent should do well to remember this lesson. 

Источник: https://www.tbsnews.net/features/panorama/how-did-farmers-win-against-mighty-modi-332851

Growing pains: How CBD crashed Montana's hemp economy and the struggle to bring it back


To people convinced of its therapeutic properties, cannabidiol (CBD) is nothing short of a miracle drug. Proponents of CBD — which is extracted from the flower of the cannabis plant — variously claim it is a safe and effective treatment for chronic pain, diabetes, anxiety, multiple sclerosis, hypertension, Parkinson's Disease, arthritis, schizophrenia, acne and cancer.

However, few of these claims have been subjected to rigorous clinical testing. Most rely upon small studies, anecdotal evidence and personal testimony. To date the U.S. Food and Drug Administration (FDA) has only approved CBD for one prescription medication, Epidiolex, which is used to treat rare forms of epilepsy and a genetic disease that causes non-cancerous tumors to grow in the brain. The administration also warns that CBD may cause liver damage and has been linked to reduced male fertility.

"The FDA is concerned that people may mistakenly believe that using CBD 'can’t hurt,'" the administration warned in an informational news release. "We have seen only limited data about CBD’s safety and these data point to real risks that need to be considered. Consumer use of any CBD products should always be discussed with a healthcare provider."

While the curative value of CBD remains unclear, one thing can be said with certainty: During the initial rush to capitalize on booming CBD markets, out-of-state CBD processors came to Montana with big promises about the big money to be made growing hemp.

The sales pitch came as Montana agriculture was just emerging from some of the lowest wheat and barley prices in a generation, and grain growers were eager to explore alternative crops to bolster their bottom lines.

"In 2019 commodity prices were very, very difficult for farmers," recalled Montana Hemp Program Coordinator Andy Gray. "You had wheat at $4 a bushel, corn was very low, so you had all these farmers looking for an alternative to the crops we've been growing here for generations. They listened to some folks who were basically trying to sell them snake oil, saying you can make $20,000 an acre with this hemp. It was just kind of like this perfect storm in 2019 where guys heard about other farmers who had made out really well growing hemp, and a bunch of people who weren't from the farming industry come in, and things didn't go very well."

Hemp production in Montana was introduced as a pilot program in 2017. In that year 22 growers were licensed to plant about 5,000 acres across the state. After the 2018 Farm Bill broadened legalization of hemp the crop took off. According to Montana Department of Agriculture statistics, 277 growers were permitted to grow hemp in 2019, with total plantings across the state covering about 51,000 acres.

However, the promises of big rewards for Montana hemp harvests never materialized.

"These guys came in saying this is how you have to farm hemp," recalled Andrew Bishop, co-founder of Ag Processing Solutions, an agriculture engineering and consulting firm headquartered in Vaughn, "but they didn't have any real world experience farming in Montana. They might have come from Kentucky and said, 'this is how we farm it in Kentucky, so just do it the same way.'"

"They had their farmers all grow CBD varieties of hemp," Bishop continued. "That failed absolutely miserably in Montana … and then they just disappeared and never paid them. It was truly awful what they did to farmers."

Montana courts agreed.

Last June, a Wolf Point jury awarded the second largest civil judgement in Montana history to 25 eastern Montana farmers defrauded by CBD processors Vitality Natural Health and Eureka 93. The jury found the two Canadian companies guilty of deceptive and fraudulent practices, and ordered them to pay $65 million in compensatory and punitive damages after they failed to honor contracts guaranteeing Montana farmers profits of $500 to $700 per acre to plant and harvest CBD producing varieties of hemp.

Both Vitality Natural Health and Eureka 93 have now declared bankruptcy.

“You don’t roll in and try to dupe a bunch of farmers [to grow] what could be a worthwhile commodity for the region without any money," Bainville farmer Beau Anderson told the Montana Free Press of the historic settlement.

Understandably, Montana farmers quickly grew leery of hemp. From a high of 51,000 acres in 2019, Montana hemp plantings have now shriveled to around 10% of that in 2021 Montana's once promising hemp industry crashed, and may take years to recover.

That's the real tragedy of Montana's initial foray into hemp; that an alternative crop with so much promise was cut off at the stalk due to the actions of a handful of bad actors.

"Farmers don't want to grow hemp because processors promised them the world then disappeared with the wind," said Drew Savage, project manager for Ag Processing Solutions. "The problem is that there are still many people interested in utilizing hemp hearts (the interior of hemp seeds) as a food ingredient. They're interested in utilizing the herd (core fibers of the hemp stalk) for Hempcrete, and as a bioplastic. They're interested in using it, but they can't get it in their hands because no one's actually processing it in the U.S."

It's been legal to import hemp fiber, cosmetics and nutritional products into the U.S. since 2004, but with a few limited exceptions the cultivation and production of hemp was a federal offense in the U.S. until passage of the 2013 Farm Bill. That legalistic hurdle has allowed Canadian hemp producers to establish a firm upper grip on North American hemp production, an industry the Hemp Business Journal estimates will reach $2 billion in sales in 2022.

"They legalized hemp over 20 years ago," explained Ben Brinlow of the Canadians' dominance of North America's hemp production.

Brinlow is the lead agronomist for INDHemp, a Fort Benton-based hemp processing company. 

"They've been able to make strides in breeding, genetics and learn all about the nutrition side and pest management," he continued. "They've kind of set the foundation for grain hemp … worldwide. We're coming in trying to gain all that information in a few years and build that knowledge for Montana."

Starting with that disadvantage, Montana hemp processors are now focusing their attention away from CBD, and toward a more diverse spectrum of well-established and developing applications for hemp.

The importation and domestic production of hemp in the Americas is well documented. Going back to the early 17th century, the tough and fibrous stalks of the hemp plant were valued as a commodity in the production of textiles, most notably rope and ships' sails. According to the Oxford Dictionary, the English word "canvas" is derived from the Greek word "cannabis," meaning "made of hemp."

The use of hemp in the production of durable textiles for clothing, shoes, belts and bags remains a major component of today's U.S. hemp economy. However, hemps greater economic future may lie in a new generation of products like "hempcrete" and bioplastics.

"The majority of the products that we will produce will be non-woven textiles," Brinlow said. "People can use hemp for plant-based insulation. It can be used for biocomposites — plastics and hemp fiber as well."

According to Brinlow, major U.S. industrial manufacturers are already employing hemp as an alternative to less sustainable petrochemical alternatives like fiberglass.

"The Ford truck right here — the cushioning in there — is a plant based material from soybean," he noted. "Ford Motor Company, Toyota, Mercedes Benz, BMW all use plant based fibers; however, hemp is one of the strongest fibers and has many more applications than some of these other natural fibers. Mercedes Benz and BMW are already manufacturing vehicles with hemp-based fabrics and materials in their headliners to replace fiberglass."

According to Drew Savage, the durable qualities of hemp have already made it a favorite of horse breeders.

"There are tens of millions of pounds of hemp herd sold in the U.S. every year, but it's typically for animal bedding," Savage said. "In Virginia and in places where horses typically have pine shavings as an animal bedding, all the high-end horse people are transitioning to hemp because the pine shaving can get into the horse's noses and cause respiratory issues."

On the cusp of economic prosperity lies the next generation of hemp-based materials. One core construction material with promise is "Hempcrete," a biocomposite mixture of hemp hurd (the woody core of the hemp stalk), lime and sand used as a material for construction and insulation. The result is a lightweight insulating building material that combines stability and insulation.

Slightly less proven, but equally promising are hemp bioplastics: durable, sanitary and malleable, capable of producing containers that would decompose within decades, not centuries.

"I think the people in my generation what to move away from single-use plastics that are petroleum based and will spend an eternity in a landfill or float in our water system," Savage explained. "That's a huge issue, and it's definitely a problem. 

"Some of these (hemp-based) bioplastics start to break down and are biodegradable in 15 months. That's a huge benefit, not only for our community but for the environment as well. It's a sustainable crop that also traps carbon."

Skeptics counter that none of the next-generation hemp based products have proven their economic viability for the decades to come. Neither had cell phones prior to the 1990s.

Asked where he sees hemp within Montana agriculture after 2026, Montana Hemp Program Coordinator Andy Gray drew in a long breath and offered the following.

"This is probably as much of a hope as it is a factual forecast, but I think five years from now acres of hemp grain and hemp fiber will be up and it will be a promising new alternative crop in Montana.

"A lot of the pieces of the hemp story is relative to the price of wheat and barley, Montana's staple crops. If wheat and barley prices are super high for the next five years, hemp's going to creep along. It's not going to advance like crazy. If wheat and barley is down, that provides an opportunity. Hemp has a place regardless, because it's a good crop for rotation and it has potential for growth in all the different end products, but those other commodities do have an effect on how much is going to be grown.

"Montana is built for big acreage and mechanical harvest, not to say we can't do the small acreage and the green houses kind of stuff, but I think there are other states that are better suited for that and will do better with the CBD part. Montana's stronghold in the hemp industry will probably be fiber and grain."

David Murray is Natural Resources/Agriculture reporter for the Great Falls Tribune. To contact him with comments or story ideas; email dmurray@greatfallstribune.com or call (406) 403-3257. To preserve quality, in-depth journalism in northcentral Montana subscribe to the Great Falls Tribune.

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Источник: https://www.greatfallstribune.com/story/news/2021/11/23/montana-marijuana-indutstry-cbd-cannabis-hemp-farmers-agriculture-economy-struggle/5311997001/

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State Farm Insurance Payment Plan (SFPP) Review

I used to do set up so that I would pay monthly payments for almost all my car insurance, life insurance, etc. However, they would charge monthly fee’s for being able to pay monthly. Since moving to budgeting with YNAB, I now budget all of theses things within the program. I have also added all bills that I pay yearly including HOA, property taxes, membership fees, etc. I budget the amount I need for each yearly payment per a month within the program. So instead of paying out to the companies per a month with a fee, I earn interest on the money until it is paid out. For example:

HOA: $600/year
Property tax: $5000/year
Car Insurance: $600/year
Life Insurance: $800/year
Costco Membership: $110/year
AAA Membership: $92/year

So the breakdown monthly payments I put away are: $600/month with no fee’s. In addition, this money sits in a high interest savings account (0.85% high interest bah!) until it is used.

I know that you use Mint.com. However, I find that YNAB is more of a philosophy of budgeting vs. tracking what I’ve already spent. I find that YNAB allows for finer control of spending and encourages savings for those yearly costs so that you don’t get hit with those large expected payments throughout the year.

As you can tell, I’m a huge fan of YNAB for exactly the reason you wrote this post about, lump-sum payments. They are actually having a sale until Monday and you can get it for 43% off if you use this link: http://ynab.refr.cc/4TH7HRG.

Источник: https://www.mymoneyblog.com/state-farm-payment-plan-sfpp-review.html

What’s in the 2018 Farm Bill? The Good, The Bad and The Offal…

The final five-year farm bill, an $867 billion package titled the Agricultural Improvement Act of 2018, passed Congress in a bipartisan show of support and was signed into law by President Trump on December 20.

Our biggest takeaway is this: in a time of farm crisis, this farm bill will not right the ship.

There’s a whole lot of good, bad and ugly in the bill, but our biggest takeaway is this: in a time of farm crisis, this farm bill will not right the ship. The future of family farm agriculture requires a dramatic shift in policy towards fair pricing, supply management programs, cracking down on corporate goliaths and accelerated attention to the climate crisis. By those standards, this farm bill fails. That said, farmers and ranchers cannot wait another day for the programs that ended when the last farm bill expired on September 30. The time is now to get them back up and running!

This whirlwind timeline robbed advocates of time for analysis or action (surely by design), but here are some of the highlights in our priority areas (a huge shout out to our friends at the National Sustainable Agriculture Coalition and Rural Coalition for helping us sift through the language). Check out Farm Aid’s Take in our Understanding the Farm Bill Hub for more details on how we got here.

Jump to a section:

Farmer Livelihoods
Local Food Systems & Healthy Food Access
Soil, Water & Climate
Equal Opportunity for All Farmers


Farmer Livelihoods

Since 2013, America’s farmers and ranchers have weathered a 50% drop in net farm income. The 1-800-FARM-AID hotline has had its busiest year yet, with more farmers calling us stressed, desperate and with a shrinking number of viable options for keeping their farms running.

The 2018 Farm Bill could have risen to the occasion by restoring commonsense measures like supply management (which would curb the overproduction that is causing the dairy crisis) and recommit to fair pricing policies that cover farmers’ cost of production, instead of using taxpayer money to compensate for extreme, costly and avoidable market volatility that puts farmers at risk of going out of business. But this bill won’t do that. Despite a few bright spots, when it comes to the core challenges facing the farm economy, the 2018 Farm Bill fails spectacularly, and in some cases, actively takes steps backward by giving even more taxpayer money to the wealthiest farm operations.

The bright spots:

  • Farm and Ranch Stress Assistance Network: This important program intending to deal with the rising levels of stress and mental health concerns in farm country was actually authorized in the 2014 Farm Bill, but never received the funding it so desperately needed, and so never got going.The 2018 Farm Bill makes important improvements to the program – such as explicitly providing access to tribal communities – and authorizes up to $10 million each year until 2023. Upon passage of the bill, we will be working hard to make sure those dollars end up in the right hands – with the network of service providers we depend on to help farmers in crisis navigate their options and receive the support they deserve. Language in the bill also directs USDA and the Department of Health and Human Services to examine the problem of occupational stress among farmers and individuals who work in agriculture to develop a long-term strategy and response.
  • Improvements to Whole Farm Revenue Protection: This essential crop insurance program allows coverage for farmers who run more diversified operations that previously could not access safety net programs. Improvements in this bill include flexibility around record-keeping methods and the ability to account for the impact of natural disasters in baseline assumptions that influence insurance coverage.
  • Risk Management Goes Local: This farm bill directs USDA’s Risk Management Agency (RMA) to create a new Local Food Policy, helping farmers and ranchers plugged into local and regional food systems to have better access to insurance programs for their operations.
  • Bye-bye King Amendment: The King Amendment would have preempted local and state laws around factory farms in particular, but more broadly on state protections for animals, the environment, food safety, and worker health and safety. This was removed from the final bill.

Luke-warm:

  • The Dairy Margin Protection Program: MPP, a safety net program for dairy farmers now renamed Dairy Margin Coverage was overhauled to make it more useful to dairy farmers across the board but particularly to smaller-scale producers, (those with production of 5 million pounds or less per year—about equivalent to 240 cows). Premiums will be further reduced for farmers. This is a welcome improvement to a program that was all but useless or inaccessible for the many dairy farmers in crisis who have contacted us over the past year, but the 2018 Farm Bill still does not deliver the supply management policy that would deliver fair prices to farmers.

Unconscionable:

  • Boondoggle for the big guys: The 2018 Farm Bill widens loopholes for wealthy mega-farms to exploit commodity and crop insurance subsidies, allowing nieces, nephews, and cousins who may have never worked on the farm to receive taxpayer-funded subsidies. This will continue to drive consolidation in the farm sector, allowing the biggest farms to keep growing and gobble up smaller and midsized operations that are so critical to the wellbeing of rural communities.

Local Food Systems & Healthy Food Access

Farm Aid celebrates the great power of food to connect people and grow strong communities, as well as the farmers and ranchers at the root of our food system. The 2008 Farm Bill ushered in a suite of programs that support the development of local and regional food systems, market diversification opportunities for farmers, healthy food access initiatives and other innovative programs that seize upon the great potential of food to bolster local economies, create jobs and deepen the connection between farmers and eaters.

Our hope for this Farm Bill was continued support for these programs and an expansion of access to healthy food for all Americans. By and large, this was a bright spot in the bill, which is no small feat given how hard our communities have had to fight to make the case that local food systems represent worthy investments in rural economies, public health, job creation and farmer livelihoods.

What we like:

  • We love LAMP: A number of scrappy programs that spurred local and regional food systems over the last decade have consistently been fighting for funding. This farm bill combines two of our favorites – the Value-Added Producer Grant (VAPG) program and Farmers Market and Local Food Promotion Program (FMLFPP) – into a new program called the Local Agriculture Market Program (LAMP). The Farm Bill provides these programs with permanent funding and makes significant policy improvements.The 2018 Farm Bill also reauthorizes the Rural Energy for America Program (REAP), which will receive $50 million per year in mandatory funds in perpetuity, the National Sustainable Agriculture Information Service / Appropriate Technology Transfer for Rural America (ATTRA), Business and Industry Loan Guarantees Local & Regional Food Enterprise Set-aside, an expands the Healthy Food Financing Initiative.
  • Rural Matters: The 2018 Farm Bill overturns the outrageous decision made last year by Secretary of Agriculture Sonny Perdue to eliminate the position of an Undersecretary for Rural Development. The bill now mandates this position’s existence.
  • Urban Matters, too: The 2018 Farm Bill establishes a new “Office of Urban Agriculture and Innovative Forms of Production” with $25 million per year in appropriations authority, a 15-member advisory committee and competitive grants authority. It instructs the creation of 10 pilot Urban and Suburban County Committees and creates a community compost and reducing food waste pilot. The bill also includes $10 million annually in mandatory funding for research grants in urban agriculture.
  • ‘Let food be thy medicine’: This bill reauthorizes the Food Insecurity Nutrition Incentives Program and renamed it the Gus Schumacher Nutrition Incentive Program (named after a hero of ours who worked tirelessly to ensure that everyone has access to good food). The program will receive $250 million over 5 years and includes a produce prescription program.
  • A better SNAP. The bill extends funding for the Supplemental Nutrition Assistance Program (SNAP, formerly called ‘food stamps’) without the rigid and bureaucratic work requirements initially placed in the House version of the bill. Those provisions would have deepened hunger and poverty for vulnerable Americans, including children and families. The bill also instructs USDA to allow farmers markets to operate an individual EBT device for accepting SNAP benefits at more than one location.

Disappointing:

  • Farm to School: The 2018 Farm Bill fails to provide additional mandatory funding for the USDA Farm to School Grant Program and does not provide for the regulatory flexibility that would allow school food authorities to procure local and regional food and farm products.
  • Where’s the money? This bill reduces mandatory funding for the Community Food Projects grant program by $4 million and does not provide mandatory funding for the Food Safety Outreach Program.

Soil, Water & Climate

For the better part of a century, farm bills have acknowledged the crucial role that government dollars can play in developing conservation programs that steward our natural resources. Funding for these programs has expanded over the last three decades, as more farmers seek to learn on-farm conservation skills, invest in the long-term health of our soil, water and climate, and build a more resilient agricultural system in the face of climate change.

Our hope was for a farm bill that empowers farmers and ranchers to steward our natural resources and effectively mitigate and adapt to climate change by investing in the long-term health of our soil, air and water and maintaining full funding for all conservation programs; expanding program access to serve farmers of all types; and removing loopholes in the EQIP program that subsidize factory farms. Unfortunately, while there are important measures in this farm bill, it falls far too short in advancing these goals.

The Good:

  • Organic: There are important improvements for certified organic growers in this farm bill, such as increases in the Organic Initiative payment cap within the Environmental Quality Incentives Program (EQIP), a new organic allocation within the Conservation Stewardship Program (CSP) – the largest federal conservation program— and $5 million in mandatory funding for the collection of organic production data.The bill also increases funding for the Organic Agriculture Research and Extension Initiative (OREI) to $50 million a year in permanent funding by 2023, with a total of $395 million in funding over ten years. Finally, the bill included $24 million in mandatory funding for National Organic Certification Cost Share from 2019-2023, although this was far less than advocates had requested.
  • Soil Health: The bill increases payments for cover crops, crop rotations and advanced grazing management within the CSP, and authorizes payment for comprehensive conservation planning. The bill also includes new research priorities around soil health.
  • Seeds for the future: This bill authorizes a National Genetics Resources Program, adopts a National Strategic Germplasm and Cultivar Collection Assessment and Utilization Plan, and makes other important policy around public, locally- and regionally-adapted seed varieties that can help farmers navigate a changing climate.

Mixed bag:

  • Hand outs for factory farms: While this bill decreases livestock set-asides within EQIP that were being funneled to the factory farm industry, it does not remove these loopholes entirely and does not include any of the much-needed reforms that would limit taxpayer dollars being used to subsidize factory farms.
  • No cuts: The fact that there were no cuts in overall funding in the Conservation Title is a huge win, since the first House version of the bill slashed these programs and removed the CSP altogether. That said, this bill failed to restore $6 billion in cuts to the title made in the 2014 Farm Bill and set us up for a challenging future because…

…the oh-so-ugly:

  • Borrowing from the future: You may have to read the fine print to realize that this Farm Bill establishes cuts over the long-term for CSP past the year 2023, amounting to over $5 billion in advance cuts to the CSP and EQIP for the next farm bill.
  • Research shortfalls: This farm bill did not include important research priorities on climate change and provided no baseline funding for plant breeding research.

Equal Opportunity for All Farmers

For too long, the lion’s share of federal farm bill dollars has gone to a narrow segment of farmers and farm types. Farmers of color and female farmers have experienced discrimination when seeking access to credit, conservation and other farm programs. In far too many cases, this discrimination has led to farm families going out of business and losing their land.

Our hope was for a farm bill that would build upon past progress to ensure equal opportunity for farmers of all kinds and create a truly level playing field for anyone interested in becoming a farmer. There are some notable achievements in this bill.

What we like:

    • Hello, FOTO! The final farm bill combines the Beginning Farmer and Rancher Development Program (BFRDP) and Outreach and Assistance for Socially Disadvantaged and Veteran Farmers and Ranchers Program (also known as “Section 2501”) into the new Farming Opportunities Training and Outreach (FOTO) program. The improved program has permanent funding of $50 million annually, shared equally between the two programs.
    • Fairer Safety Net: Throughout the Farm Bill, there are important improvements to programs in the farm safety net that make sure farmers of color are not left behind. For example, the bill mandates that there is a report every 3 years on Underserved Producers with recommendations for improving participation in insurance programs. And it includes equitable relief for producers who received incorrect servicing by the USDA when applying for direct loans.
    • Fairness for Heirs Property. Heirs’ property refers to land that passed down to multiple descendants without the presence of a will or estate plan. It leaves the heirs without clear title to the land, which prevents farmers who are part of an heirs’ property to receive FSA loans. This bill ensures that these farmers, often African-American farmers and farmers of color operating on land with undivided interests, can finally access USDA programs that enable them to protect the soil and water, and continue to operate viable farms that feed their communities.
    • Historically Black Colleges and Universities: The bill includes $40 million in mandatory funding for scholarships for the 1890 land-grant institutions – agricultural colleges created primarily to serve African American students who could not access to higher education due to segregation.
  • Legalizes Industrial Hemp by removing it from the controlled substances list and allowing tribes, states, and territories to establish regulatory structures within their boundaries that allow farmers and ranchers to produce a high-value cash crop while retaining federal farm program benefits that were previously not allowed.

Mixed bag:

  • Set asides: This bill maintains, but fails to increase, allocated dollars set aside for socially disadvantaged and beginning farmers in major conservation programs (CSP and EQIP).
  • No money, more problems: The bill removes mandatory funding for the Rural Microentrepreneur Assistance Program, an important program for farmers and ranchers of all kinds. It also does not provide mandatory funding for Individual Development Accounts (IDAs), which are important for beginning farmers.
Источник: https://www.farmaid.org/issues/farm-policy/whats-in-the-2018-farm-bill-the-good-the-bad-and-the-offal/

What Happens if My Car Insurance is Canceled for Nonpayment?

Just like with any recurring bill, you need to pay your car insurance premium regularly or your insurer will stop providing coverage. But unlike a missed phone bill, the consequences of missing an insurance payment can be far-reaching. After a cancellation for a missed payment, the insurer can increase your rates and your license may be revoked.

You'll usually have a grace period of between one and 30 days, but you shouldn't count on it to protect yourself. It's essential that you contact your insurer as soon as you realize you're behind on your insurance payments.

What to do if you can't afford or miss a car insurance payment

As soon as you realize you will likely miss or have already missed a car insurance payment, call your insurance company to let them know you're aware of the situation and ask what you can do next. The options available will depend on how long you've gone without paying your car insurance bill, your insurance company's policies and the laws of your state. But no matter the details of your situation, it's key that you communicate with your insurance company to figure out an arrangement. Ignoring or delaying the issue will only make your problems worse.

If the payment is not yet due

If your auto insurance payment is not yet due, or it hasn't been processed but you know you won't be able to afford it, you may be able to postpone payment or extend the due date temporarily while you come up with the money. Depending on your insurer, you may not even have to call an agent to do so. For example, Geico allows customers to delay auto-pay bills by up to nine days through the company's mobile app.

The agent you're working with may have some discretion about how much leeway to give you, especially if you have a credible reason why you won't be able to make the payment. They may also be able to arrange a partial payment to keep you insured if your insurance company allows it.

If you've missed payment by a few days

If you've only missed the payment by a few days to a week, you likely can reinstate your policy without a lapse in coverage or other serious consequences, as you're still in the grace period. You'll have to pay the amount you missed, usually with a late payment fee. Make sure to do so promptly, though, as the grace period may vary.

If your car insurance has been canceled

If your insurance premium went unpaid long enough for your coverage to be canceled, you'll have to apply for a new policy. Unfortunately, your rates will likely increase, as car insurance companies charge more for drivers who have had their insurance terminated due to missed payments. It's even possible that your previous insurer will not offer you insurance at all, in which case you'll need to go with another company, such as a nonstandard insurer.

It's illegal to drive without insurance in nearly every state, so once your insurance is terminated, you won't be able to drive. The longer you go without coverage, the bigger the price increase will be when you purchase a new policy.

After you have insurance again, you should contact your state's department of motor vehicles to update your insurance information and confirm that your registration and driver's license are still valid. You should also make sure you don't owe your old car insurance company money. It may eventually pass any overdue debts to a collection agency.

What happens when your car insurance is canceled for missing a payment?

If you miss a car insurance payment, you'll receive a legally required notice of cancellation from your insurer. This notice may come in the mail or by a phone call or email.

You'll usually have 10 to 20 days between the date of the cancellation notice and the date you are no longer covered. The exact amount of time differs by state. After that, your insurance will officially lapse and you'll no longer be able to drive your car legally. In some states, letting your insurance lapse also voids your registration — either right away or a few weeks after your insurance lapses. But no matter where you live, the longer you wait before rectifying the problem, the greater the consequences will be. So make sure you contact your insurance company immediately.

Long-term consequences of canceled insurance due to missed payments

If your car insurance lapses or is canceled, whether it's because of nonpayment or any other reason, you will likely face financial ramifications of some kind. The consequences can continue even after you have reinstated your insurance. Here are some possible outcomes of missing your car insurance payments.

  • Administrative fees at the DMV: Some states will charge you for even a brief lapse in insurance coverage. For example, in New York, drivers have to pay $8 per day for up to 30 days during which their insurance was lapsed, with increased penalties thereafter.
  • Car registration or driver's license suspension: Nearly every state requires drivers to insure their cars in order to register them, and many states require insurance companies to notify them if you let your insurance lapse. This could result in the automatic suspension of your car's registration or your driving privileges, leaving you unable to legally drive. You might even be required to carry an SR-22 if you are caught driving while uninsured, especially if you cause an accident.
  • Higher auto insurance rates: Insurance companies like to see that drivers can reliably pay their bills on time every month. People who let their coverage lapse, even for a short amount of time, will likely see an increase in car insurance prices the next time they renew.
  • Repossession of a loaned/leased car: Most car lenders require you to maintain full insurance coverage on the vehicle as long as the vehicle is financed. If your car lender finds out you are not carrying insurance on the vehicle, it may repossess the car.
  • Your credit score can drop: If you owe money on your car insurance and your insurer passes the debt to a collection agency, it will likely impact your credit score. This can affect your ability to get a credit card or loan, and the derogatory mark will remain on your credit report for up to seven years.

What happens if I pay my car insurance late?

If you pay your car insurance a couple of days late, you will most likely still be in the grace period. However, you will probably be charged a late payment fee. If your payment is later than the grace period allows, your insurance can lapse.

How long is the grace period before your insurance policy lapses?

The grace period for late payments before your policy lapses varies by insurer and by state. The grace period is typically anywhere between one and 30 days. It is very important to know the grace period for your policy and to contact your insurer if you expect to make a late payment.

How can you reinstate canceled auto insurance?

When your auto insurance is canceled, the first thing you should do is call your current insurer. If your policy has only lapsed for a couple days, it’s possible they can reinstate it. If your insurer requires you to get a new policy, you should shop around to search for the best rate. To learn more, check out our article on how a lapse in car insurance coverage affects rates.

Источник: https://www.valuepenguin.com/car-insurance-canceled-nonpayment
pay my state farm bill by phone

State Farm Renters Insurance Review

Personal property: This covers your personal belongings, which includes items such as furniture, musical instruments, electronics, clothing, pots and pans, rugs and artwork. It covers damage from problems like fire, smoke, vandalism, theft, falling objects, explosions and the weight of snow and ice.

Liability: Liability insurance pays when you are sued for property damage or injuries to someone else. It also pays for your legal defense. For example, if someone falls in your apartment and you get hit with a lawsuit, renters liability coverage can pay out if you’re legally liable.

Medical payments: This coverage type is outer banks nc resorts and hotels included in a renters insurance policy and pays for smaller medical bills, regardless of who was at fault. For example, if a guest accidentally cuts their hand on a sharp corner, this could pay out to cover medical expenses. Coverage amounts are small and usually start at $1,000.

Additional living expenses: If you can’t live in your apartment because of a problem covered by your policy (like a fire), additional living expenses coverage pays for hotel bills, takeout meals and other extra expenses, like laundry services.

Replacement cost coverage: Consider adding this option to a State Farm renters insurance policy. This pays to replace your belongings with new items if they are damaged, destroyed or stolen. Actual cash value coverage, on the other hand, pays for only the depreciated value of your items.

Источник: https://www.forbes.com/advisor/renters-insurance/state-farm-renters-insurance-review/

State Farm Insurance Payment Plan (SFPP) Review

I used to do set up so that I would pay monthly payments for almost all my car insurance, life insurance, etc. However, they would charge monthly fee’s for being able to pay monthly. Since moving to budgeting with YNAB, I now budget all of theses things within the program. I have also added all bills that I pay yearly including HOA, property taxes, membership fees, etc. I budget the amount I need for each yearly payment per a month within the program. So instead of paying out to the companies per a month with a fee, I earn interest on the money until it is paid out. For example:

HOA: $600/year
Property tax: $5000/year
Car Insurance: $600/year
Life Insurance: $800/year
Costco Membership: $110/year
AAA Membership: $92/year

So the breakdown monthly payments I put away are: $600/month with no fee’s. In addition, this money sits in a high interest savings account (0.85% high interest bah!) until it is used.

I know that you use Mint.com. However, I find that YNAB is more of a philosophy of budgeting vs. tracking what I’ve already spent. I find that YNAB allows for finer control of spending and encourages savings for those yearly costs so that you don’t get hit with those large expected payments throughout the year.

As you can tell, I’m a huge fan of YNAB for exactly the reason you wrote this post about, lump-sum payments. They are actually having a sale until Monday and you can get it for 43% off if you use this link: http://ynab.refr.cc/4TH7HRG.

Источник: https://www.mymoneyblog.com/state-farm-payment-plan-sfpp-review.html

What’s in the 2018 Farm Bill? The Good, The Bad and The Offal…

The final five-year farm bill, an $867 billion package titled the Agricultural Improvement Act of 2018, passed Congress in a bipartisan show of support and was signed into law by President Trump on December 20.

Our biggest takeaway is this: in a time of farm crisis, this farm bill will not right the ship.

There’s a whole lot of good, bad and ugly in the bill, but our biggest takeaway is this: in a time of farm crisis, this farm bill will not right the ship. The future of family farm agriculture requires a dramatic shift in policy towards fair pricing, supply management programs, cracking down on corporate goliaths and accelerated attention to the climate crisis. By those standards, this farm bill fails. That said, farmers and ranchers cannot wait another day for the programs that ended when the last farm bill expired on September 30. The time is hdfc login netbanking login to get them back up and running!

This whirlwind timeline robbed advocates of time for analysis or action (surely by design), but here are some of the highlights in our priority areas (a huge shout out to our friends at the National Sustainable Agriculture Coalition and Rural Coalition for helping us sift through the language). Check out Farm Aid’s Take in our Understanding the Farm Bill Hub for more details on how we got here.

Jump to a section:

Farmer Livelihoods
Local Food Systems & Healthy Food Access
Soil, Water & Climate
Equal Opportunity for All Farmers


Farmer Livelihoods

Since 2013, America’s farmers and ranchers have weathered a 50% drop in net farm income. The 1-800-FARM-AID hotline has had its busiest year yet, with more farmers calling us stressed, desperate and with a shrinking number of viable options for keeping their farms running.

The 2018 Farm Bill could have risen to the occasion by restoring commonsense measures like supply management (which would curb the overproduction that is causing the dairy crisis) and recommit to fair pricing policies that cover farmers’ cost of production, instead of using taxpayer money to compensate for extreme, costly and avoidable market volatility that puts farmers at risk of going out of business. But this bill won’t do that. Despite a few bright spots, when it comes to the core challenges facing the farm economy, the 2018 Farm Bill fails spectacularly, and in some cases, actively takes steps backward by giving even more taxpayer money to the wealthiest farm operations.

The bright spots:

  • Farm and Ranch Stress Assistance Network: This important program intending to deal with the rising levels of stress pay my state farm bill by phone mental health concerns in farm country was actually authorized in the 2014 Farm Bill, but never received the funding it so desperately needed, and so never got going.The 2018 Farm Bill makes important academy work from home customer service to the program – such as explicitly providing access to tribal communities – and authorizes up to $10 million each year until 2023. Upon passage of the bill, we will be working hard to make sure those dollars end up in the right hands – with the network of service providers we depend on to help farmers in crisis navigate their options and receive the support they deserve. Language in the bill also directs USDA and the Department of Health and Human Services to examine the problem of occupational stress among farmers and individuals who work in agriculture to develop a long-term strategy and response.
  • Improvements to Whole Farm Revenue Protection: This essential crop insurance program allows coverage for farmers who run more diversified operations that previously could not access safety net programs. Improvements in this bill include flexibility around record-keeping methods and the ability to account for the impact of natural disasters in baseline assumptions that influence insurance coverage.
  • Risk Management Goes Local: This farm bill directs USDA’s Risk Management Agency (RMA) to create a new Local Food Policy, helping farmers and ranchers plugged into local and regional food systems to have better access to insurance programs for their operations.
  • Bye-bye King Amendment: The King Amendment would have preempted local and state laws around factory farms in particular, but more broadly on state protections for animals, the environment, food safety, and worker health and safety. This was removed from the final bill.

Luke-warm:

  • The Dairy Margin Protection Program: MPP, a safety net program for dairy farmers now renamed Dairy Margin Coverage was overhauled to make it more useful to dairy farmers across the board but particularly to smaller-scale producers, (those with production of 5 million pounds or less per year—about equivalent to 240 cows). Premiums will be further reduced for farmers. This is a welcome improvement to a program that was all but useless or inaccessible for the many dairy farmers in crisis who have contacted us over the past year, but the 2018 Farm Bill still does not deliver the supply management policy that would deliver fair prices to farmers.

Unconscionable:

  • Boondoggle for the big guys: The 2018 Farm Bill widens loopholes for wealthy mega-farms to exploit commodity and crop insurance subsidies, allowing nieces, nephews, and cousins who may have never worked on the farm to receive taxpayer-funded subsidies. This will continue to drive consolidation in the farm sector, allowing the biggest farms to keep growing and gobble up smaller and midsized operations that are so critical to the wellbeing of rural communities.

Local Food Systems & Healthy Food Access

Farm Aid celebrates the great power of food to connect people and grow strong communities, as well as the farmers and ranchers at the root of our food system. The 2008 Farm Bill ushered in a suite of programs that support the development of local and regional food systems, market diversification opportunities for farmers, healthy food access initiatives and other innovative programs that seize upon the great potential of food to bolster local economies, create jobs and deepen the connection between farmers and eaters.

Our hope for this Farm Bill was continued support for these programs and an pay my state farm bill by phone of access to healthy food for all Americans. By and large, this was a bright spot in the bill, which is no small feat given how hard our communities have had to fight to make the case that local food systems represent worthy investments in rural economies, public health, job creation and farmer livelihoods.

What we like:

  • We love LAMP: A number of scrappy programs that spurred local and regional food systems over the last decade have consistently been fighting for funding. This farm bill combines two of our favorites – the Value-Added Producer Grant (VAPG) program and Farmers Market and Local Food Promotion Program (FMLFPP) – into a new program called the Local Agriculture Market Program (LAMP). The Farm Bill provides these programs with permanent funding and makes significant policy improvements.The 2018 Farm Bill also reauthorizes the Rural Energy for America Program (REAP), which will receive $50 million per year in mandatory funds in perpetuity, the National Sustainable Agriculture Information Service / Appropriate Technology Transfer for Rural America (ATTRA), Business and Industry Loan Guarantees Local & Regional Food Enterprise Set-aside, an expands the Healthy Food Financing Initiative.
  • Rural Matters: The 2018 Farm Bill overturns the outrageous decision made last year by Secretary of Agriculture Sonny Perdue to eliminate the position of an Undersecretary for Rural Development. The bill now mandates this position’s existence.
  • Urban Matters, too: The 2018 Farm Bill establishes a new “Office of Urban Agriculture and Innovative Forms of Production” with $25 million per year in appropriations authority, a 15-member advisory committee and competitive grants authority. It instructs the creation of 10 pilot Urban and Suburban County Committees and creates a community compost and reducing food waste pilot. The bill also includes $10 million annually in mandatory funding for research grants in urban agriculture.
  • ‘Let food be thy medicine’: This bill reauthorizes the Food Insecurity Nutrition Incentives Program and renamed it the Gus Schumacher Nutrition Incentive Program (named after a hero of ours who worked tirelessly to ensure that everyone has access to good food). The program will receive $250 million over 5 years and includes a produce prescription program.
  • A better SNAP. The bill extends funding for the Supplemental Nutrition Assistance Program (SNAP, formerly called ‘food stamps’) without the rigid and bureaucratic work requirements initially placed in the House version of the bill. Those provisions would have deepened hunger and poverty for vulnerable Americans, including children and families. The bill also instructs USDA to allow farmers markets to operate an individual EBT device for accepting SNAP benefits at more than one location.

Disappointing:

  • Farm to School: The 2018 Farm Bill fails to provide additional mandatory funding for the USDA Farm to School Grant Program and does not provide for the regulatory flexibility that would allow school food authorities to procure local and regional food and farm products.
  • Where’s the money? This bill reduces mandatory funding for the Community Food Projects grant program by $4 million and does not provide mandatory funding for the Food Safety Outreach Program.

Soil, Water & Climate

For the better part of a century, farm bills have acknowledged the crucial role that government dollars can play in developing conservation programs that steward our natural resources. Funding for these programs has expanded over the last three decades, as more farmers seek to learn on-farm conservation skills, invest in the long-term health of our soil, water and climate, and build a more resilient agricultural system in the face of climate change.

Our hope was for a farm bill that empowers farmers and ranchers to steward our natural resources and effectively mitigate and adapt to climate change by investing in the long-term health of our soil, air and water and maintaining full funding for all conservation programs; expanding program access to serve farmers of all types; and removing loopholes in the EQIP program that subsidize factory farms. Unfortunately, while there are important measures in this farm bill, it falls far too short in advancing these goals.

The Good:

  • Organic: There are important improvements for bank of america branches open late on saturday organic growers in this farm bill, such as increases in the Organic Initiative payment cap within the Environmental Quality Incentives Program (EQIP), a new organic allocation within the Conservation Stewardship Program (CSP) – the largest federal conservation program— and $5 million in mandatory funding for the collection of organic production data.The bill also increases funding for the Organic Agriculture Research and Extension Initiative (OREI) to $50 million a year in permanent funding by 2023, with a total of $395 million in funding over ten years. Finally, the bill included $24 million in mandatory funding for National Organic Certification Cost Share from 2019-2023, although this was far less than advocates had requested.
  • Soil Health: The bill increases payments for cover crops, crop rotations and advanced grazing management within the CSP, and authorizes payment for comprehensive conservation planning. The bill also includes new research priorities around soil health.
  • Seeds for the future: This bill authorizes a National Genetics Resources Program, adopts a National Strategic Germplasm and Cultivar Collection Assessment and Utilization Plan, and makes other important policy around public, locally- and regionally-adapted seed varieties that can help farmers navigate a changing climate.

Mixed bag:

  • Hand outs for factory farms: While this bill decreases livestock set-asides within EQIP that were being funneled to the factory farm industry, it does not remove these loopholes entirely and does not include any of the much-needed reforms that would limit taxpayer dollars being used to subsidize factory farms.
  • No cuts: The fact that there were no cuts in overall funding in the Conservation Title is a huge win, since the first House version of the bill slashed these programs and removed the CSP altogether. That said, this bill failed to restore $6 billion in cuts to the title made in the 2014 Farm Bill and set us up for a challenging future because…

…the oh-so-ugly:

  • Borrowing from the future: You may have to read the fine print to realize that this Farm Bill establishes cuts over the long-term for CSP past the year 2023, amounting to over $5 billion in advance cuts to the CSP and EQIP for the next farm bill.
  • Research shortfalls: This farm bill did not include important research priorities on climate change and provided no baseline funding for plant breeding research.

Equal Opportunity for All Farmers

For too long, the lion’s share of federal farm bill dollars has gone to pay my state farm bill by phone narrow segment of farmers and farm types. Farmers of color and female farmers have experienced discrimination when seeking access to credit, conservation and other farm programs. In far too many cases, this discrimination has led to farm families going out of business and losing their land.

Our hope boone county indiana power outage for a farm bill that would build upon past progress to ensure equal opportunity for farmers of all kinds and create a truly level playing field for anyone interested in becoming a farmer. There are some notable achievements in this bill.

What we like:

    • Hello, FOTO! The final farm bill combines the Beginning Farmer and Rancher Development Program (BFRDP) and Outreach and Assistance for Socially Disadvantaged and Veteran Farmers and Ranchers Program (also known as “Section 2501”) into the new Farming Opportunities Training and Outreach (FOTO) program. The improved program has permanent funding of $50 million annually, shared equally between the two programs.
    • Fairer Safety Net: Throughout the Farm Bill, there are important improvements to programs in the farm safety net that make sure farmers of color are not left behind. For example, the bill mandates that there is a report every 3 years on Underserved Producers with recommendations for improving participation in insurance programs. And it includes equitable relief for producers who received incorrect servicing by the USDA when applying for direct loans.
    • Fairness for Heirs Property. Heirs’ property refers to land that passed down to multiple descendants without the presence of a will or estate the black keys brothers cd color change. It leaves the heirs without clear title to the land, which prevents farmers who are part of an heirs’ property to receive FSA loans. This bill ensures that these farmers, often African-American farmers and farmers of color operating on land with undivided interests, can finally access USDA programs that enable them to protect the soil and water, and continue to operate pay my state farm bill by phone farms that feed their communities.
    • Historically Black Colleges and Universities: The bill includes $40 million in mandatory funding for scholarships for the 1890 land-grant institutions – agricultural colleges created primarily to serve African American students who could not access to higher education due to segregation.
  • Legalizes Industrial Hemp by removing it from the controlled substances list and allowing tribes, states, and territories to establish regulatory structures within their boundaries that allow farmers and ranchers pay my state farm bill by phone produce a high-value cash crop while retaining federal farm program benefits that were previously not allowed.

Mixed bag:

  • Set asides: This bill maintains, but fails to increase, allocated dollars set aside for socially disadvantaged and beginning farmers in major conservation programs (CSP and EQIP).
  • No money, more problems: The bill removes mandatory funding for the Rural Microentrepreneur Assistance Program, an important program for farmers and ranchers of all kinds. It also does not provide mandatory funding for Individual Development Accounts (IDAs), which are important for beginning farmers.
Источник: https://www.farmaid.org/issues/farm-policy/whats-in-the-2018-farm-bill-the-good-the-bad-and-the-offal/

A prescription for better health.

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To learn more, visit our help center at Caremark.com.

Источник: https://www.caremark.com/

What Happens if My Car Insurance is Canceled for Nonpayment?

Just like with any recurring bill, you need to pay your car insurance premium regularly or your insurer will stop providing coverage. But unlike a missed phone bill, the consequences of missing an insurance payment can be far-reaching. After a cancellation for a missed payment, the insurer can increase your rates and your license may be revoked.

You'll usually have a grace period of between one and 30 days, but you shouldn't count on it to protect yourself. It's essential that you contact your pay my state farm bill by phone as soon as you realize you're behind on your insurance payments.

What to do if you can't afford or miss a car insurance payment

As soon as you realize you will likely miss or have already missed a car insurance payment, call your insurance company to let them know you're aware of the situation and ask what you can do next. The options available will depend on how long you've gone without paying your car insurance bill, your insurance company's policies and the laws of your state. But no matter the details of your situation, it's key that you communicate with your insurance company pay my state farm bill by phone figure out an arrangement. Ignoring or delaying the issue will only make your problems worse.

If belgrade state bank in farmington missouri payment is not yet due

If your auto insurance payment is not yet due, or it hasn't been processed but you know you won't be able to afford it, you may be able to postpone payment or extend the due date temporarily while you come up with the money. Depending on your insurer, you may not even have to call an agent to first command bank texas so. For example, Geico allows customers to delay auto-pay bills by up to nine days through the company's mobile app.

The agent you're working with may have some discretion about how much leeway to give pay my state farm bill by phone, especially if you have a credible reason why you won't be able to make the payment. They may also be able to arrange a partial payment to keep you insured if your pay my state farm bill by phone company allows it.

If you've missed payment by a few days

If you've only missed the payment by a few days to a week, you likely can reinstate your policy without a lapse in coverage or other serious consequences, as you're still in the grace period. You'll have to pay the amount you missed, usually with a late payment fee. Make sure to do so promptly, though, as the grace period may vary.

If your car insurance has been canceled

If your insurance premium went unpaid long enough for your coverage to be canceled, you'll have to apply for a new policy. Unfortunately, your rates will likely increase, as car insurance companies charge more for drivers who have had their insurance terminated due to missed payments. It's even possible that your previous insurer will not offer you insurance at all, in which case you'll need to go with another company, such as a nonstandard insurer.

It's illegal to drive without insurance in nearly every state, so once your insurance is terminated, you won't be able to drive. The longer you go without coverage, the bigger the price increase will be when you purchase a new policy.

After you have insurance again, you should contact your state's department of motor vehicles to update your insurance information and confirm that your registration and driver's license are still valid. You should also make sure you don't owe your old car insurance company money. It may eventually pass any overdue debts to a collection agency.

What happens when your car insurance is canceled for missing a payment?

If you miss a car insurance payment, you'll receive a legally required notice of cancellation from your insurer. This notice may come in the mail or by a phone call or email.

You'll usually have 10 to 20 days between the date of the cancellation notice and the date you are no longer covered. The exact amount of time differs by state. After that, your insurance will officially lapse and you'll no longer be able to drive your car legally. In some states, letting your insurance lapse also voids your registration — either right away or a few weeks after your insurance lapses. But no matter where you live, the longer you wait before rectifying the problem, the greater the consequences will be. So make sure you contact your insurance company immediately.

Long-term consequences of canceled insurance due to missed payments

If your car insurance lapses or is canceled, whether it's because of nonpayment or any other reason, you will likely face financial ramifications of some kind. The consequences can continue even after you have reinstated your insurance. Here are some possible outcomes of wells fargo essential business checking your car insurance payments.

  • Administrative fees at the DMV: Some states will charge you for even a brief lapse in insurance coverage. For example, in New York, drivers have to pay $8 per day for up to 30 days during which their insurance was lapsed, with increased penalties thereafter.
  • Car registration or driver's license suspension: Nearly every state requires drivers to insure their cars in order to register them, and many states require insurance companies to notify them if you let your insurance lapse. This could result in the automatic suspension of your car's registration or your driving privileges, leaving you unable to legally drive. You might even be required to carry an SR-22 if you are caught driving while uninsured, especially if you cause an accident.
  • Higher auto insurance rates: Insurance companies like to see that drivers can reliably pay their bills on time every month. People who let their coverage lapse, even for a short amount of time, will likely see an increase in car insurance prices the next time they renew.
  • Repossession of a loaned/leased car: Most car lenders require you to maintain full insurance coverage on the vehicle as long as the vehicle is financed. If your car lender finds out you are not carrying insurance on the vehicle, it may repossess the car.
  • Your credit score can drop: If you owe money on your car insurance and your insurer passes the debt to a collection agency, it will likely impact your credit score. This can affect your ability to get a credit card or loan, and the derogatory mark will remain on your credit report for up to seven years.

What happens if I pay my car insurance late?

If you pay your car insurance a couple of days late, you will most likely still be in the grace period. However, you will probably be charged a late payment fee. If your payment is later than the grace period allows, your insurance can lapse.

How long is the grace period before your insurance policy lapses?

The grace period for late payments before your policy lapses varies by insurer and by state. Pay my state farm bill by phone grace period is typically anywhere between one and 30 days. It is very important to know the grace period for your policy and to contact your insurer if you expect to make a late payment.

How can you reinstate canceled auto insurance?

When your auto insurance is canceled, the first thing you should do is call your current insurer. If your policy has only lapsed for a couple days, it’s possible they can reinstate it. If your insurer requires you to get a new policy, you should shop around to search for the best rate. To learn more, check out our article on how a lapse in car insurance coverage affects rates.

Источник: https://www.valuepenguin.com/car-insurance-canceled-nonpayment

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