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Archive for August 15th, 2013

Neelamma’s Water Tap

August 15, 2013 By: admin Category: Consumer Education

www.water.org

Neelamma has struggled for years without a water connection at home, suffering from skin conditions contracted through contaminated water and walking long distances to find water sources. At 37, Nelamma is divorced, has a 3 year old daughter, and lives with her parents in Mariyala village, Chamarajanagar district, Karnataka.

Neelamma’s village, like so many in the region, faces severe water shortages during the hot summer months. Even during the monsoon season when there seems to be water everywhere, the water from the public tank is not safe for consumption. A year ago, Neelamma got skin allergy after bathing with the tank water. She is not alone. After several other members of her village had similar reactions, they raised their concerns at the Gram Panchayat (local government) meeting and the Panchayat sent the water sample for testing. The test result proved that the water from the public tank was contaminated with chemicals at a level far beyond the threshold for safe consumption. While their concerns were validated, they had no other source for water. “The Gram Panchayat told us not to use the tank water for consumption, but use it for domestic purposes only,” Neelamma says. “[But] they did not tell us where to get the drinking water from.”

Faced with no viable source for safe water, the villagers have been left to search on their own for new sources of drinking water. Those who could afford to do so began buying water. Others without the financial resources to do that, like Neelamma, would walk for several kilometers each day to one of the nearby landlords’ houses to ask for water. If successful, they then must carry 4-6 pots of water the long distance back to their homes. “We cannot go to the same house every time to ask for water,” Neelamma says. “Even they need water. We used to keep changing the house. Some houses were very far.” Each day Neelamma had to face possible rejection from the landlord she had chosen to approach, each day she had to face the fear that she may return with empty pots and no water for her family.

It was clear to Neelamma that there must be a better solution. In village meetings, local government representatives had encouraged families to get their own household water connection, but never provided any information on how. When Neelamma started inquiring about the process, she learned that to get a pipe connection to her family’s home would require approval from the local government and take several days to install because the main underground pipeline was not near her house. As an individual living in a single family home, she might never get approval for this since the Panchayat would have to invest significant resources to extend the pipeline to reach her home.

As Neelamma continued to explore her options she met the field officer of Water.org’s program partner Grameen Koota and learned about a group model that could help her family and her neighbors gain access to a water connection. Grameen Koota’s field officer explained that while the cost is great to connect one family home that is not near the existing pipeline, the value of making that investment to connect several homes is more appealing to the Panchayat. Understanding this potential, Neelamma became an active member of a Joint Liability Group (JLG) and motivated other women in her neighborhood to come forward and lead the initiative with her.

She and five other women then formed their own JLG and attended regular trainings at the center where members from JLG meet and discuss common issues. After learning the process, Neelamma and the other women applied for a Rs. 15,000 loan (approx. US$250) to install a water point in their neighborhood. When they received the loan, Neelamma submitted Rs. 400 as deposit to the Panchayat’s office and the remaining amount was used for raw materials and labor charges. The staff of Grameen Koota made multiple visits to monitor the work during the construction phase and project was completed successfully. At last Neelamma has a water point in the neighborhood.

Now instead of forging out each day in the hope of securing enough water for her family to consume, Neelamma goes once a week to the neighborhood water point and brings home enough safe drinking water for her family. She fills 20 pots each week and stores them for her family to use. In 30 minutes a week she can do what she spent hours a day worrying about in the past.

Her new water connection has brought a relief and solved the crisis of drinking water in her neighborhood. “Now, we know on which day water will come so we don’t have to go on waiting. Even if we are not at home, we ask our neighbor to fill the water for us,” says Neelamma.

Today, with the time she has now that she no longer needs to collect water daily, Neelamma has opened and runs a small shop in her village. “Running a shop has many advantages. I am able to do other household chores and look after my daughter,” she says. “[And] my shop is helping me repay the loan amount.”

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This success story was submitted by Water.org’s partner organization, Grameen Koota, and was made possible by a generous grant from the PepsiCo Foundation.

Tell Congress: Women Deserve Equal Pay!

August 15, 2013 By: admin Category: Consumer Education

In 2011, women earned, on average, 77 cents for every dollar earned by men. For women of color, the wage gap is even worse. In today’s economy, income inequality is high, well-paying jobs are scarce, and women and families are struggling to make ends meet.

The gender wage gap means women must work even harder to achieve economic security for themselves and for their families.
The Fair Pay Act (S. 168/H.R. 438) and the Paycheck Fairness Act (S.84/H.R. 377) would help address the gender wage gap by helping ensure that women receive full and fair compensation for their work. Contact your members of Congress today and urge them to co-sponsor and support these bills!

Last year, of the five best-paid executives at each of the Standard & Poor’s 500 Index companies, 198 were women, or 8 percent of the total. Those high-achievers on average earned $5.3 million, 18 percent less than men.

According to a CBS News report ,there is an even bigger pay gap for women at the top of the corporate ladder.
Out of 2,500 of best-paid executives, only 198 were female, according to a Bloomberg report based on the S&P 500. Women earned $5.3 million on average — 18 percent less than men.
“The disparity is often because women negotiate less than men,” according to CBS News contributor and analyst Mellody Hobson. Hobson, who has been on committees that decide executive salaries, said when women do negotiate, there’s a sense that it will backfire. “Men, when they ask for more money, it’s seen as assertive,” she said. “When women do it, it’s seen as self-centered. And as a result of that, it affects our likability and our likability factors in to us being promoted along with competency.”

Women with the same degrees as men have lower starting salaries — $39,600 versus $51,300 among men, according to the American Association of University Women, a nonprofit advocacy group.
If women were paid more fairly, it could be a “boon for our country,” Hobson said. “We’ve been talking about this tepid growth we have in the U.S,” she said. “If women made the same as men, we would see three to four percentage points go up in growth. That is not insignificant. Just think back to the financial crisis — $800 billion was injected into our economy, and that represented 1.5 percent growth, so we’re talking big numbers. This is not just about helping a woman or her family. We all win in this scenario if women are paid fairly.”

Some of the benefits of the Affordable Care Act

August 15, 2013 By: admin Category: Consumer Education

21.3 million more Americans will get healthcare coverage.

You can’t be denied coverage for preexisting conditions such as asthma, diabetes,
high blood pressure or even cancer. And if you or a family member get sick or injured,
insurance companies can’t cut off your coverage or cancel your plan.

· Your kids are covered. If you have children, they can stay on your family health insurance plan until they turn 26.

· No more dollar limits on your care. You can get the care you need, without having to worry about huge, unexpected medical bills.

· Your coverage is protected. An unintentional mistake or minor omission on an application can no longer give your insurance company an excuse to cancel your coverage. More preventive care is covered

· Medicare now covers a yearly wellness visit and preventive care at no cost to you. This includes cancer, cholesterol and diabetes screenings, immunizations, diet counseling and more.

· Lower prescription drug costs for Medicare, and the “donut hole” will disappear entirely in 2020

· Every state will have a Health Insurance Marketplace where people looking for coverage can go online to shop for health insurance.

· For the first time, there’s help available to pay for health coverage. In fact, many people who buy their plan on the marketplace can get help covering the costs. Low-cost or free plans are also available depending on your income.

· Small businesses can get tax credits, there are cooperative possibilities to lower costs and many other benefits for the small business owner.

· Obamacare requires insurance companies to provide preventive care as part of your coverage including: High blood pressure screening, Diabetes screening, Flu shots, Colorectal cancer screening, Tobacco cessation counseling, Depression screening,HIV screening for those at risk for the disease

· Services for Women, including: Mammograms, Cervical cancer screening, Osteoporosis screening, Gestational diabetes screening, Well-woman visits

· Services for Children: Immunizations, including flu shots, Autism screening, Behavioral assessments, Development screening, Obesity screening and counseling

· Services for Men: Cholesterol screening, Prostate exams