Posts Tagged ‘SNAP’

May is Older Americans Month

Monday, April 30th, 2012

The theme for Older Americans Month this year is Never Too Old to Play to learn more about this theme and what it means please visit http://olderamericansmonth.org/

 To find out what events might be taking place in your area, contact your County Office on Aging by visiting http://www.njfoundationforaging.org/services.html to find the websites and phone numbers for your county office or call 1-877-222-3737 to be connected to the office in your county.

 To kick off Older American’s Month, May’s episode of Aging Insights is all about the County Office on Aging and their services. NJFA’s Program Manager, Melissa Chalker hosts this episode which features three executive directors of NJ’s County Offices on Aging. Our guests are, Joanne Fetzko of Somerset County, Lorraine Joewono of Bergen County and Jane Maloney of Ocean County. In this episode our three guests tell us about the history of the County Offices on Aging and the services they provide to the community. In addition to addressing the community needs through the core services and what Lorraine labeled, “wrap around” services, many offices have expanded to a new model called ADRC, or Aging and Disabled Resource Connection which makes many of the services available to disabled individuals.

Aging Insights is available to public access stations. The show can also be seen on NJFA’s YouTube channel, http://ping.fm/UJr1r

Heat and Energy Assistance

Thursday, November 10th, 2011

According to the federal government (US Energy Information Administration), heating bills are expected to increase slightly this season compared to last winter. Those who heat their homes with oil can expect to see an average of about $220 or 12% more this winter. Those households that heating with natural gas are expected to spend an average of $27 or 4 % more. While those heating their homes with electricity can expect to spend an average of $18 r 2% more than last winter.

For those who need assistance the Low Income Home Energy Assistance Program or LIHEAP is now available for the coming winter season. LIHEAP is designed to help low-income families and individuals meet home heating and medically necessary cooling costs. This year, the application period is November 1, 2011 to April 30, 2012.  To apply for LIHEAP, contact the authorized local community action agency or community based organization in your area.  A list of these agencies is found at www.energyassistance.nj.gov.  For persons age 60 or over, or who are disabled, applications may be received and returned by mail.  Other households may apply by mail at the discretion of the local agency. People who participated in LIHEAP last year will receive a recertification form in the mail to renew assistance through this program.

To be eligible for LIHEAP benefits, the applicant household must be responsible for home heating or cooling costs, either directly or included in the rent; and have gross income at or below 200% of the federal poverty level.  The chart below gives specific monthly gross income maximums for FFY 2012.  Persons who live in public housing and/or receive rental assistance are not eligible unless they pay for their own heating/cooling costs directly to the fuel supplier.  The amount of the LIHEAP heating benefit is determined by income, household size, fuel type, and heating region.  This year, the medically necessary cooling assistance benefit is set at $160.

For further information on LIHEAP or to locate the nearest application agency, call 1-800-510-3102.  Additional information about LIHEAP, including an application, is also available at www.energyassistance.nj.gov.

  LIHEAP

MAXIMUM MONTHLY GROSS INCOME ELIGIBILITY LEVELS
FFY 2012

Household

Size

USF

Program

LIHEAP

Program

1 $1,589 $1,815
2  $2,146 $2,452
3 $2,703 $3,089
4 $3,260 $3,725
5 $3,817 $4,362
6 $4,374 $4,999
7 $4,931 $5,635
8 $5,488 $6,272
9 $6,045 $6,909
10 $6,602 $7,333
11 $7,159 $7,485
12 $7,716 $7,638
If more than 12, add: $557 for each person $153 for each person

 If you are above the following income guidelines, but still need assistance with your heating or energy bills you may be eligible for assistance through NJ Shares. NJ SHARES provides energy assistance to moderate and fixed-income households experiencing a financial crisis. Eligibility is based on household size and income. Their clients are families and individuals who do not qualify for Federal and State assistance programs due to the household’s income. NJ SHARES Grant amounts can be up to $700 for heating source (gas, oil, propane and electric heat), and can be up to $300 for electric service. Grants must result in continuance and/or restoration of service. Applicants must demonstrate a temporary financial need and a history of good-faith payments to their energy provider.

 Eligibility Guidelines

 Applicants Must:

  • Reside in New Jersey
  • Be experiencing a financial crisis, such as a job loss or illness
  • Be behind on their energy bill, or need a fuel delivery
  • Have income over the limit for Federal programs such as the Low Income Energy Assistance Program (LIHEAP) and state programs such as the Universal Service Fund (USF).
  • Have an income level that does not exceed 400% of the Federal Poverty Level
  • Have made a good-faith payment of $100 or more within 90 days of applying for NJ SHARES (for gas and electric customers; deliverable fuel customers are excluded from this rule)

Guidelines for Seniors and the Disabled:

  • Applicants 65 years of age or older, with households of one or two members, will be eligible for NJ SHARES if the maximum household income is $80,000 annually or $6,666 monthly. Proof of age is required.
  • Applicants receiving Federal Social Security Disability (SSD) benefits, with households of one or two members, will be eligible for NJ SHARES if the maximum household income is $80,000 annually or $6,666 monthly. Applicants must show proof of Federal SSD benefit.

 Required Documentation for NJ SHARES applications:

  • Documents should be furnished to the intake agency at time of application.

1) Proof of Income (last four consecutive weeks prior to application date)

2) Proof of Identification

3) Most Recent Energy Bill

Tips for Caregivers

Thursday, August 4th, 2011

Tips for Caregivers

A critical part an older adult remaining in the community is support from family and friends. Some of that support comes in the form of a family caregiver. We know that many sons, daughter, grandchildren, nieces/nephews or siblings are taking on the role of a caregiver to a loved one.

A recent report from AARP about the value of caregivers states that in 2009 42 million Americans provided care to an older adult family member with limited daily abilities. Furthermore, they found that 65% of those caregivers were female and many worked a job in addition to providing care. The report also states that the typical caregivers provides approximately 20 hours a week of unpaid care.

While, caregiving is a job and does require the caregiver to make sacrifices, many report that they appreciate the relationship between themselves and the care recipient. Providing care for a loved one can be a rewarding activity, even if it is challenging at times. Some say the bond they make with the care recipient enhances their life, such as a daughter caring for her mother may bring them closer and allow them to share thoughts and feelings that they did not before.

The relationship between the caregiver and the care recipient can become stressful, in most cases the family member is providing care that may be uncomfortable for one or both parties. Not to mention, the older adult care recipient may also be having difficulty with the change in their abilities and routine. Parents may be reluctant to share financial or personal information with children, which could make assisting with bill paying difficult.

Not only are there aspects of caregiving that stressful, but also time consuming. Tasks such as shopping, food preparation, laundry, transportation and physical care for another individual leaves little time to care for oneself.

There are of course many resources available, below are some tips we’ve found that may be helpful, as well as a list of resources.

Tips:

  1. Ask questions. To avoid an argument with the care recipient, make sure you ask specific questions about situations or decisions that need to be made. Ask their advice before making a decision for them, perhaps it is something they’ve already thought about or made arrangements for.
  2. Organize documents. Keeping important documents all in one place is a practical strategy. Create categories like personal, medical, financial, and keep them all in a binder or file. Also, keeping a list of medications and doctors can be helpful too.
  3. Take time for yourself. Utilize other family members, neighbors or local community services to provide care so you can take a break. Caregivers should not feel guilty about needing a break, taking an exercise class, reading a book or just taking care of you is necessary to assure you are taking good care of your loved one.
  4. Take advantage of local services. Contact the Eldercare Locator, a service offered by the US Administration on Aging, which helps people find services for older adults. There you can find adult day centers, rehab and nursing services in your own town, as well as, your county and municipal aging programs.

A list of County Office on Aging can be found at http://www.njfoundationforaging.org/services.html

To find a Senior Center in your area visit:

http://web.doh.state.nj.us/apps2/seniorcenter/scSearch.aspx

To get more information from NJ Division of Aging and Community Services visit http://www.nj.gov/health/senior/index.shtml or call 1-800-792-8820.

Eldercare Locator:             http://www.eldercare.gov/eldercare.NET/Public/index.aspx

Utility Assistance

Tuesday, July 19th, 2011

Utility Assistance        

Between these difficult economic times and extreme weather (how’d you like that heat wave?) it is easy to understand why some households may be having trouble paying their energy bills. PSE&G has recognized that many of their customers have fallen on hard times and so they’ve come up with a new program to offer assistance.

The program is called TRUE, Temporary Relief for Utility Expenses and it is designed to help moderate income households who are having difficulty paying their PSE&G bill. The TRUE program provides a one-time grant of up to $1,500 ($750 for gas and $750 for electric) for households that are not eligible for other low income programs.

To be eligible for TRUE customers must meet the following eligibility requirements:

  • Must have an annual income for a one person household of at least $21,672 and not more than $57,120. A two person household income between $29,000 and $69,853. A household of four must have an annual income between $44,112 and $103,034. To see income requirements for other household sizes visit, www.pseg.com/true_guidelines
  • Be 45 or more days past due on their energy bill and/or have received a service discontinuation notice (shutoff notice)
  • Demonstrate that four payments of at least $25 each have been made with the past six months
  • Not have received LIHEAP or USF benefits in the last year.

In addition to the TRUE program, there are other programs available to help customers pay their energy bills:

  • The Universal Service Fund (USF) (1-866-240-1347) helps make energy bills more affordable for low income customers with a $5 to $150 monthly credit.
  • NJ SHARES (1-866-657-3273) helps moderate income customers not eligible for low income programs to the TRUE program, with up to $300 toward electric bills and $700 toward natural gas bills.
  • NJ Lifeline (1-800-792-9745) helps seniors and disabled adults with a $225 yearly credit towards their PSE&G bills.

 For more information on energy assistance programs or to download applications, please visit www.pseg.com/help or www.pseg.com/ayuda. Applications are also available at all PSE&G walk in Customer Service Centers listed on your PSE&G bill. For access to billing information and payment history, customers can sign up for My Account at www.pseg.com.

Excessive Heat Warning This Week!

Tuesday, June 7th, 2011

Excessive Heat Warning

With Summer in full swing, we are faced with high temperatures and high humidity all week! There is an excessive heat warning for NJ until Thursday June 9th.  Heat and humidity can become a serious health hazard, especially for children, elderly or those with chronic conditions, such as respiratory issues. Please remember to not only follow the above steps to keep yourself safe, but also check on family, friends and neighbors, again paying close attention to older adults, children and those who are ill.

 Conditions caused by excessive heat include dehydration, heat exhaustion and heatstroke. Heat exhaustion is a mild condition that may take days of heat exposure to develop. Someone suffering from heat exhaustion may have pale, clammy skin and sweat profusely. They may also feel tired, weak or dizzy and can suffer from headaches. Heatstroke can take just a few minutes to make someone very ill. A person with heatstroke will have dry, hot skin and a body temperature of 106 degrees or more, they will also have an absence of sweat and a rapid pulse. Someone suffering from heatstroke can become delirious or unconscious and needs immediate medical attention.

Here are some tips for staying cool and safe in the NJ summer heat!

  • Drink plenty of water or other non-alcoholic beverages.
  • Make sure children and the elderly are drinking water, and ensure that persons with mobility problems have adequate fluids in easy reach.
  • If you do not have air conditioning, spend time in air-conditioned places such as libraries, malls¬†or other public buildings during the hottest hours of the day. Check with your municipality to see if cooling centers are available.
  • Wear loose and light-colored clothing.¬† Wear a hat when outdoors.
  • Avoid any outdoor activity during the hottest hours of the day. Reduce physical activity or reschedule it for cooler times of the day.
  • Don’t leave children, a frail elderly or disabled person, or pets in an enclosed car as temperatures can quickly climb to dangerous levels.
  • Talk to your health care provider about any medicine or drugs you are taking. Certain medications, such as tranquilizers and drugs used to treat Parkinson’s disease, can increase the risk of heat-related illness.

There may be a cooling center in your area or other assistance available for those who need to escape the heat. If you need more information or would like to find a cooling center in your area, Contact information for your County Office on Aging can be found at http://www.njfoundationforaging.org/services.html

To find a Senior Center in your area visit:

http://web.doh.state.nj.us/apps2/seniorcenter/scSearch.aspx

 To get more information from NJ Division of Aging and Community Services visit http://www.nj.gov/health/senior/index.shtml or call 1-800-792-8820.

New Program from NJ Housing and Mortgage Finance Agency to help those facing foreclosure

Wednesday, May 4th, 2011

New Jersey HomeKeeper Program

Many people have felt the impact of the recession due to unemployment or underemployment. You may be asking, what is being done to help? New Jersey Housing and Mortgage Finance Agency has announced a new program to help those at risk of losing their home. The program is called New Jersey HomeKeeper and it will be available starting May 9, 2011.
New Jersey HomeKeeper is a program funded through a federal grant from the United States Treasury’s Hardest Hit Fund awarded to States most impacted by unemployment and underemployment. The HomeKeeper offers help to New Jersey homeowners who may be facing foreclosure as a direct result of unemployment or underemployment.

The Homekeeper Program is designed to assist the homeowner with mortgage assistance payment and/or arrearages to prevent an occurrence of foreclosure on the home. The program provides financial assistance to qualified homeowners in the form of a 0% interest rate, deferred-payment second mortgage loan. The loan proceeds may be used to cover arrearages and/or a portion of the homeowner’s monthly mortgage payment, including property taxes, property insurance, and mortgage insurance. Homeowners may be eligible for up to $48,000 in assistance for a period of up to 24 months.

If a homeowner sells or refinances their home within the first five years of the closing date of the HomeKeeper mortgage loan, the full amount of the loan will be due and payable upon the sale, transfer or refinance of the property (except for a lower rate/term refinance) or, if the homeowner ceases to occupy the property as his/her primary residence. However, after the fifth year, the HomeKeeper mortgage loan amount would be forgiven 20% per year, to be forgiven in full at the end of the tenth year.

You may be eligible for the Homekeeper program, if within the past 12 months, through no fault, decision or personal circumstance of your own, you or your spouse or civil union partner fall into one of the following category:

  • Became unemployed which caused you to fall behind on your mortgage. You are receiving or are eligible to receive unemployment compensation
    benefits and may have at least 12 more weeks of benefits remaining.
  • Became underemployed (a drop in income of at least 25% from prior or existing employment income) which caused you to fall behind on your mortgage. ¬†¬†
  • Became unemployed or underemployed. While you have stayed current with your mortgage payments thus far, you have not yet regained enough income/resources to continue paying on time for much longer.
  • Became unemployed or underemployed.¬† You have since regained enough income to pay the mortgage but you need help covering the arrearages that accumulated during the unemployment/underemployment period

To apply for Homekeeper assistance you will need to apply online using a computer with internet access.  The online application(available May 9th) contains all of the information that you will need to begin your application for assistance, with step by step instructions and prompts to help you.

If you do not have access to the internet from your residence, public computers can be found throughout many communities at public libraries, educational centers and One Stop Career Centers.

For more information or to apply visit: www.njhomekeeper.gov

Resources for assistance with foreclosures, credit and debt problems

New Jersey Housing and Mortgage Finance Agency

1-800-654-6873

www.nj-hmfa.com

Novadebt – A Garden State Consumer Credit Counseling Agency

1-800-992-4557

www.novadebt.org

Consumer Credit and Budget Counseling, Inc.

1-800-792-0270

www.cc-bc.com

To find a One Stop Career Center in your County, contact your County Office on Aging, see list on our website at www.njfoundationforaging.org/services.html

Five Meals, One Chicken- Money Saving Options

Wednesday, April 20th, 2011

In a recent issue of Renaissance Magazine, viewable at: www.njfoundationforaging.org/ren.html, we featured an article and recipe focusing on cooking in a tough economy. The article talked about how to be creative and how to get the most out of money you spend in the store. We thought we’d continue with this theme is our blog and share with you a way to not just get 2 meals out of one chicken, but 5 meals!

Meal #1 – Roast chicken, stuffing and oven roasted vegetables

Take advantage of the fact that the oven is already on to bake the stuffing and vegetables. For this first meal, if you are a two person household you could split one breast and each take a wing.

While you have the cutting board and knife out, dissect the uneaten part of the bird for easier future meals. Take the meat off the second breast, thighs and drumsticks and cube it up for use in upcoming recipes. The yield is several cups of chicken meat. Everything else: bones, cartilage, and skin goes into a storage bag for soup-making (coming up in another meal).

Meal #2 – Chicken pot pies

You can make extra gravy so you will be able to add it with some of the chicken, diced potatoes, peas and carrots to individual pie crusts.

Meal #3 – Chicken soup

Boil down all the bones with onions, garlic, carrots, celery and spices for a couple hours until all the meat that was left on the bones falls off and the bones have released their collagen (the gelatinous protein) and you’ve got homemade chicken stock. Strain it, pick out the chunks of chicken, add more ingredients like noodles or rice and new vegetables and you’ve got a pot of chicken whatever soup.

Meal #4 – Chicken Tetrazinni

This is a simple dish to prepare by stirring cubed chunks of chicken into cooked spaghetti noodles with a Parmesan cheese sauce, you can use a store bought jar and even opt for a tomato based sauce if cheese sauces aren’t your thing.

Meal #5 – Chicken quesadillas

Mix shredded chicken with a bit of salsa, spread over tortillas and sprinkle with Cheddar cheese. Fold over and heat on a griddle until the cheese melts.

There you have it: one chicken, five meals! It’s frugal in terms of money and it’s also frugal in terms of time. You cooked one “big” meal which gave you the ability to make four additional meals more easily than if you had to cook more chicken each time. By varying the types of dishes, it seems less like “leftovers” and more like a different meal each time. These are just some ideas for making the most of a whole chicken. Another great tip is to freeze your leftovers, if you will not be eating your Chicken Pot Pies right away, or want to save your left over chicken to do something with it a week or 2 weeks from now, throw it in a freezer safe container and freeze it until you are ready to use it!

What recipes would you use?

Affordable Care Act (ACA) Facts: Fact # 3

Tuesday, March 8th, 2011

Affordable Care Act (ACA) Facts: Follow this Series

There is a lot of speculation and discussion about what affect health care reform legislation, the Affordable Care Act (ACA), will have on seniors and more specifically, Medicare. We decided to do a series of blog posts about the facts; this is part of our ongoing posts, so please see Fact # 1 in a post dated, Feb 8, 2011 and Fact # 2 in the post dated 2/24/11.

Fact: The law will make it easier to receive and pay for long-term care at home.

As we covered in our Medicare Myths post, Medicare does not cover long term care costs. Long term care in a facility or at home is often an out of pocket expense. The Affordable Care Act has some provisions (Section 2401-2403) that allow States to apply for Federal Funding to provide in home services. Some of these programs already exist in NJ and are open to those who have or are eligible for Medicaid. Starting in 2011, the Law allows States to apply for additional funding for these Medicaid programs, often referred to as, Waiver programs.

You may have heard about the new national long-term care insurance program called CLASS (Community Living Assistance Services and Supports). According to the ACA this will become available in 2013. Full and part-time workers with salaries of at least $1,200 per year will be eligible to participate in CLASS and may choose to have the premiums deducted from their paychecks. Non-working retirees are not eligible for the program. After you have participated in CLASS for at least five years and you can no longer perform basic activities (such as eating, dressing, or bathing, or if you have Alzheimer’s disease or other forms of dementia), you are eligible to receive a daily cash benefit. This cash benefit is expected to average $50 per day and can be used to pay for anything that will help you stay at home. Examples of things it will pay for include, home care services and equipment.

Beginning in 2014 the ACA specifies that more regulations be put in place to protect spouses of those who are receiving home care services. Sometimes referred to as, “Spousal Impoverishment” rules, some states, including NJ already have these in place for those who have a spouse living in a nursing home who needs to apply for Medicaid. What the regulations do is protect the money that the other spouse needs to remain living in the community, the ACA states that this should be extended to spouses that have an ill husband or wife at home who is in need of Medicaid services.

Information in this blog was gathered from the Affordable Care Act, Centers for Medicaid and Medicare and the National Council on Aging.

For more information:

A brochure from Medicare:

http://www.medicare.gov/Publications/Pubs/pdf/11467.pdf

Webpage from the National Association of States United for Aging and Disabilities (NASUAD):

http://www.nasuad.org/affordable_care_act/nasuad_materials.html

Answers from the National Association of Area Agencies on Aging (n4a):

http://www.n4a.org/advocacy/health-care-reform/

Straight Talk for Seniors from the National Council on Aging:

http://www.ncoa.org/public-policy/health-care-reform/straight-talk/

Details about the law at Heathcare.gov

http://www.healthcare.gov/law/about/index.html

Shared Sites

Tuesday, July 27th, 2010

At NJFA’s June 10th Conference, Donna Butts from Generations United presented a keynote on Shared Sites, serving diverse groups. Shared Sites are defined as “programs where older adults and young people receive services at the same site and both generations interact during regularly scheduled intergenerational activities.” Generations United refers to these centers as, “Intergenerational Shared Sites”. NJFA thought this was a timely topic as the use of space for intergenerational services is also a cost savings for many municipalities that are facing tight budgets.

Donna stated that Generations United feels the needs of children, youth and older adults can be meet and improved by sharing resources through shared sites. Intergenerational services also address the social implications of an increasingly age-segregated society. Some of the benefits of shared sites:

  • enhance quality of life for all participants
  • provides needed services to the community
  • increases cost savings & opportunities to share resources
  • enhances employee benefits for programs with on-site care (day)
  • attracts additional funding & positive public relations
  • improves attitudes about different age groups

Generations United also notes that children benefit from interpersonal relationships with persons from a different age group and report that they have “higher personal/social development scores than preschool children involved in non-intergenerational programs.” Likewise, studies show that seniors involved in intergenerational programs have positive health gains. Some of the services that may be included in a shared site are: childcare center, before/after school programs, early childhood programs, schools, youth recreation programs, camps, adult day services, assisted living/residential care settings, senior centers, and community recreation programs. Some examples include; Adult day program and child care program in same site, senior center located in a public school, after school programs held at a senior center or community/multigenerational center with programs for both generations.

In the powerpoint presentation that Donna shared in the breakout session at the conference, she highlighted the value of shared sites, including:

  • Best opportunity to build relationships and share resources between generations
  • Physical and financial resources used most effectively, maximizes grant investments
  • Significant local public and private appeal
  • A strong sense of place, create community focal points for service delivery
  • Incubators for new program development
  • Improves sustainability of programs

Donna’s keynote presentation was very motivating, feedback from attendees was positive and many attendees stated that they found her remarks inspirational. During the presentation, Donna gave many examples and talked about successful programs, also noting how to create a successful program. NJFA would like to again thank Donna Butts for joining us at the conference and providing such valuable information to all who attended.

For more information about Shared Sites or Generations United visit their website:

http://www.gu.org/

2010 Conference Session: Ethical & Legal Response: Identifying and Reporting Elder Abuse

Thursday, July 15th, 2010

At NJFA’s 12th Annual Conference on June 10th we were pleased to offer a workshop titled, “The Ethical and Legal Response: Identifying and Reporting Elder Abuse, Neglect and Exploitation”. This session featured, David Ricci, State Coordinator of Adult Protective Services; Pat Bohse, Manager, NJ4A; Linda Murtagh- Social Work Supervisor, Ocean County Board of Social Services; and Vincent Olawale- Human Services Division Manager FOCUS, Hispanic Center of Community Development, Inc. The presenters advised the group on how to identify elder abuse and the different forms it takes. Elders can experience abuse in many ways, physical, mental/emotional, financial and also through neglect. 

Also in the discussion was NJ Laws regarding elder abuse and reporting, as well as, the states rules and regulations regarding referrals made to Adult Protective Services. The law regarding Adult Protective Services applies to any “vulnerable adult”, meaning anyone over 18 years of age or older who resides in a community setting and who, because of a physical or mental illness or disability, lacks sufficient understanding or capacity to make or carry out decisions concerning his or her well-being. When reporting elder abuse, you should provide the name and address of the adult and as much information as possible about the concern and the person responsible for any abuse. The report should be investigated within 72 hours according to NJ State Law. Depending on what is found, the adult protective services worker may refer the older adult to services and may contact other Departments, such as the Office on Aging or Division of Developmental Disabilities.

The new NJ State Law regarding the reporting of abuse that was discussed in this session. The law makes it mandatory for certain professionals to report elder abuse, such as optometrists, psychologists, podiatrists, and physical therapists. The new law establishes mandatory reporting for these healthcare professionals and first responders because they are likely to come in contact with vulnerable adults.

Another part of the presentation included Pat Bohse of NJ4A and Bohse & Associates, showing a video about elder abuse. The video shows professionals, elders and family members talking about specific examples of elder abuse as well as numerous facts and figures about the problem. The point of the video is to raise awareness about the problem of elder abuse and encourage people to report it so that more elders can get help if they are in an abusive situation.

 Evaluations from the session indicate that attendees found the presentation informative and that the speakers were engaging. We’d also like to take this opportunity to again thank our wonderful presenters for taking the time to put together this session on a very important subject.