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    Last Railroad Crossing Before Sugar Mill
    Articles, Blog

    Last Railroad Crossing Before Sugar Mill

    August 17, 2019


    Hello ladies and gentlemen RailROL82
    here. Today were at Clewiston Florida and off in the distance you can see the the sugar mill over there. This is the SCFE line south central florida express and
    over here we have a small railroad bridge this here used to be part of the
    original bridge where you can see the pilings were sawed off there and then
    they build that one then I’m gonna give you track view here, over there we see the sugar train So that’s track view I guess south and we have a rail here from 1942
    I just saw it somewhere here 1942 VSCO steelton in 1942 okay The relay case right there It says SCFE Sonora which is the street and I’ll include a Google Maps
    link so you guys can see this location first hand, as for the crossing
    itself, the grade crossing looks like it was recently done as you can see
    there’s new pavement and it looks in fairly new condition okay and then the crossing you have this
    simple set up over here where you have a GE Harmon single base you have a huge
    ant pile here safe Tran gate mechanism Harmon LED lights all around with my
    favorite kind of visors back plates appear to be in good condition Harmon
    bracket There is the emergency contact information Oh you got the clear contour crossing lights over here and then on this side this is track view, I guess North GE signal base, safe tran gate
    mechanism, Harmon LED lights all around, emergency contact info backlight is terrible at this angle and here you have the regular, sun is terrible Here you have the regular I think they might be Reco crossing gate lights and then the whistle post down yonder so yeah this line is primarily used for sugar cane There’s a school nearby alright guys thank you for coming along me
    please subscribe or like thank you very much for viewing over and out

    Budget LED Wiring For Your Model Railroad
    Articles, Blog

    Budget LED Wiring For Your Model Railroad

    August 17, 2019


    if you want to light up your model
    railroad and you’re on a budget you’re gonna want to watch this in a previous
    video I showed you how to use an Arduino Nano to light up your model railroad now
    I’m going to show you what wires you could use on there and the LEDs that you
    could use on there I have some other videos that are related to this as far
    as soldering SMD LEDs and taking apart a wall wart which is a big part of this
    video right here so let’s get started with it right now in another video I
    tore apart a wall wart we got these wires from there it’s called magnet wire
    and you got two coils inside the one coil it is like hair thin which is no
    good for what we need on here but this other coil of wire is approximately 24
    gauge wire and it’s nice and strong the only thing is you have to scrape off the
    insulation on here now I did the video on it about tearing apart the AC wall
    warts you may have different size wires on your wall wart coils based on the
    voltage of the wall wart so keep that in mind you can find very inexpensive wall
    warts at your local thrift store I got mine for about 50 cents apiece now what
    I’m using here is the magnet wire on there for the SMD LEDs and here’s one
    that I already made up and I scratched off the ends of it but let me show you
    how we work this here what I want to do is measure out about it 12 inches of it I just set it up over here and cut off
    just a little bit over 12 inches about 12 and a half inches and what we have to
    do is scrape the edges of it to get the insulation off of it now this is it’s
    kind of hard to get off and I’d do it two different ways I use the exacto
    blade and you got to turn this thing over to get both sides of it and try to
    get as many angles on it as you can like this turn it just a little bit that way
    and then turn it back this way and then these finger nail files Dollar Tree you
    get a whole stack of them for a dollar and you could what I do is just turn it
    in there hold the hold two of them together and just use the the sandpaper
    on there to clean it off a little and this usually does the trick on there and
    then you do the other side the same way scrape it off with the exacto blade now they do make magnet wire where you
    don’t have to scrape off the insulation and I’m going to show you that in a
    little bit here that I bought some it comes from the manufacturers Remington
    and I showed you on a previous video we saw during a 30 gauge wire to the SMD
    LEDs I just purchased some 24 gauge wire and it’s about seven dollars for a
    hundred foot of it and you can get it in you know different foot footage rolls
    that I got about a hundred foot of it for seven dollars and I’ll show you that
    next but the coating on the wire is actually flux when it melts it’s
    actually flux so when you put the iron up up against it it melts turns in the
    flux and then you could solder your wires together okay so let’s get the
    meter over here okay that’s this one here so what I do
    is I just take the meter on both ends of this to make sure we’ll put it on the
    audible let’s see we got we got a continuity on there but not very good we
    could maybe just send right here yeah descend right here maybe we could
    do a little bit more work on it so just come over here with the sandpaper and
    just hit it a couple more times until okay that’s good right there so that’s
    what we do with the wire we do both of them and then we twist them together now
    we got the two wires ready we’ll all we need to do is just twist them together a
    little bit now I’ve seen people do this in a drill but you don’t want them you
    don’t want to get it too tight I mean you could do it in a drill but it’s
    going to make it really tight so I just come down and I just twist it together
    like this and that’s all you need just to hold the two wires together okay and there we go I got two more of these and
    I’ll show you what I did so far with these other ones I made up four of them
    and I got the SMD LEDs on there and then on the other end what I did was tested
    them and the wire that I used for these other ones that I have these ones right
    here i soldered wire on the end of them i
    soldered wire on the end of these right here and this is heat shrink on this is
    black and yellow heat shrink because the insulation from the black wire won’t go
    over that but i use the insulation from the black wire on here just slid it over
    top of the negative lead so whenever we go to hook this up I know which lead is
    negative and if I have to cut this shorter we’ll just strip it down a
    little bit and scrape it like we did the other one and then just take the
    insulation and move it down to where we we need it but this is what we’re going
    to be using on the building’s we’re going to be using the SMD LEDs on here
    now these are warm I think these are warm white that I showed you in another
    video and all these things that I’m showing you here I did in another video
    at one point or another now I’m putting them into use in the buildings and this
    this type right here is going to be the kind that I use for the arc welder it’s
    a it’s a real small one and actually it’s it’s coated so what I did was I cut
    the coating off of it but that’s another video right there but this one here
    we’re gonna make up about 12 of these so that’s what we have so far we have to
    work on a little bit more of the wiring and let me show you the Remington wire
    that is already is ready to solder now here’s a spool of the remington wire
    that I was telling you about it’s 26 gauge and you can see it’s red it comes
    in assorted colors and it’s magnet wire and like I said before all you have to
    do is heat this up and the insulation that
    is coding this is actually flux so you don’t need flux when you’re soldering it
    to your SMD LEDs and it comes in different gauges I showed you on a
    previous video I use some 30 gauge but I but this 26 gauge here it’s a little bit
    heavier I got this at Amazon and I think you can order directly from Remington –
    I’m not quite sure but I got it through Amazon when I get it through Amazon I
    get it a lot quicker these LEDs right here are from something
    that I got at Michaels there was a long string of a series of LEDs and they had
    a little box where you could put a battery in there and they flash and do
    all kind of things you buy these after Christmas and you can get them for a
    couple of bucks these are the LEDs that I used on my welding sketch that I have
    right back here that anyway on here I soldered a little bit heavier wire on it
    because this is kind of flimsy wire on it it’s maybe 28 gauge or so so I put 22
    gauge wire on the bottom of it I soldered on it and then I like I said
    before I put the shrink wrap on it and you can get this at spools of this I
    have six different colors of it I got it at Adafruit you can get it anywhere I
    think they have them at Amazon also it’s a good thing to have this is solid wire
    you could also get stranded wire but I preferred solid wire for this because
    you could easily put this and this is why I did it because you could push
    these into the breadboard real easily if you recall the SMD LEDs come in a little
    tape like this right here and all you do is just remove the cover on there and be
    careful with it because if should there’s some LEDs in the carpet
    someplace that you know bounced off of here and went down there now I never
    found that anyway be careful with it you just take them off one by one just peel
    this thing back whenever you need a LED and just drop it onto your your
    bitch but you get a hundred of them for six bucks and I bought another package
    of them this one is warm white and this just is plain white so I could vary the
    the colors on there and you could also take some acrylic paint and put a light
    coating on there to change the color if you need to change the color on these
    things and I’ll show you how to do that in it later on here’s the packaging of
    those like teardrop it are called rice lights they’re originally $7.99 but I
    got them at Michael’s after Christmas not this past Christmas but the year
    before for about a couple of bucks they’re very inexpensive after Christmas
    and if you’re intimidated by SMD lights I got these at Walgreens after Christmas
    I finally got them about two dollars a box
    so for 50 LEDs two bucks for 50 LEDs and I already disassembled one of them you
    know it’s the Christmas tree lights and all you do is just all you do is remove the LEDs from the
    string it’s a little work and you’ll notice on about every four or five of
    them there will be a little resistor on each one of the LEDs but you could use
    these anywhere and I’ve used these in projects already and so I have about 200
    clear LEDs that cost me two four six eight eight dollars and then these these
    right here were two dollars I got two packages I used one package already and
    here’s the other one and the inside here there’s a little battery pack that you
    could also use that for lighting up something that’s remote if you just want
    to do it every once in a while you put some batteries in it turn the switch on
    you got five volts for you lighting if you’re intimidated by the SMD lights you
    can get these after Christmas or you can get a whole package of assorted colors
    for about seven bucks on Amazon and I have the link down in the description
    I’ve used those to you know get them in a nice little thing and I think there’s
    200 LEDs in there of assorted colors you got clear red blue green yellow now I
    showed you in a previous video that we’re using the Nano on a circuit board
    and I’m using a DF player mini on it but you don’t have to do that if you don’t
    want to sound associated with your building lights but you could do it with
    a nano and you can get about three of the nanos I got three of these nanos for
    about eleven bucks on Amazon or if you prefer something larger a legume you get
    two uno and I got this I think it was about ten bucks on Amazon for the a
    Lagoo uno and it just like the Arduino Uno but less expensive but I’ve had
    pretty good luck with everything from a Lagoo these nanos are from a Lagoo also
    so take a look into that that’s a very inexpensive way to light up you
    or model railroad with the wall wart wire or if you prefer not to work so
    hard you can get this from Remington and you don’t have to scratch off all the
    insulation on the wall wart wire but anyway you could put it on a circuit
    board like this you could use these connectors or if you don’t want to you
    could solder the wires directly on here you put your resistors on here but on
    future ones I’m going to use all sip resistors on or instead of using the
    regular resistors on there for the LEDs as usual everything that I talked about
    in my videos if there’s a link or anything else you could find that in the
    description and sometimes if it’s a video you’ll see it in the info boxes up
    there so until the next time we’ll see Ya

    Rep Payee Tech Training
    Articles, Blog

    Rep Payee Tech Training

    August 17, 2019


    >>HELLO. I’M CAROLYN COLVIN, ACTING COMMISSIONER OF THE SOCIAL SECURITY ADMINISTRATION. AND I’M PLEASED TO WELCOME YOU TO THIS REPRESENTATIVE PAYEE TECHNICAL TRAINING. IF YOU ARE VIEWING THIS TRAINING, YOU HAVE MADE THE RIGHT CHOICE. YOU HAVE MADE A SINCERE COMMITMENT THROUGH YOUR TIME AND TALENT TO SERVE, PROTECT, AND PROVIDE SUPPORT TO THOSE IN OUR COMMUNITY WHO ARE THE MOST VULNERABLE. ALTHOUGH SSA GENERALLY PRESUMES THAT BENEFICIARIES ARE CAPABLE OF MANAGING THEIR OWN BENEFITS, THERE ARE INSTANCES WHERE SOME MAY HAVE TROUBLE ATTENDING TO THEIR BASIC NEEDS AND MANAGING THEIR SOCIAL SECURITY OR SUPPLEMENTAL SECURITY INCOME BENEFITS. INDIVIDUALS WHO NEED REPRESENTATIVE PAYEES ARE SOMETIMES OUR MOST VULNERABLE BENEFICIARIES. THEY ARE OFTEN OUR RELATIVES, FRIENDS, NEIGHBORS, OR ACQUAINTANCES. AS A REPRESENTATIVE PAYEE, YOU PLAY A CRITICAL ROLE IN PROVIDING FINANCIAL MANAGEMENT SUPPORT TO SOCIAL SECURITY AND SSI BENEFICIARIES WHO ARE INCAPABLE OF MANAGING THEIR OWN MONEY. FOR YOUR WILLINGNESS TO BECOME A REPRESENTATIVE PAYEE, I WANT TO THANK YOU FOR SUPPORTING MEMBERS OF THE PUBLIC WHO NEED THIS CRITICAL SUPPORT. I ALSO WANT TO THANK THOSE WHO HAVE COLLABORATED TO DEVELOP THIS INTERDISCIPLINARY TRAINING. TO WELLS FARGO AND THEIR FINANCIAL EDUCATION PROGRAM HANDS ON BANKING, THE NATIONAL ADULT PROTECTIVE SERVICES ASSOCIATION AND RUSH UNIVERSITY, I WANT TO PERSONALLY THANK YOU FOR SUPPORTING THIS EFFORT. EACH OF OUR PARTNERS HAVE WILLINGLY SHARED MATERIALS AND RESOURCES IN SUPPORT OF OUR COLLECTIVE EFFORT TO PROTECT SENIORS AND VULNERABLE ADULTS FROM ELDER ABUSE AND FINANCIAL EXPLOITATION. OUR WORK SUPPORTS THE PRIORITIES OF THE ELDER JUSTICE COORDINATING COUNCIL, AN INTERAGENCY BODY ESTABLISHED AS A RESULT OF THE PASSAGE OF THE ELDER JUSTICE ACT. TOGETHER, THESE AGENCIES AND OUR COMMUNITY PARTNERS ARE WORKING TO STRENGTHEN THE SAFETY NET OF PROTECTION FOR SENIORS AND VULNERABLE ADULTS. BUT WE COULD NOT ACHIEVE OUR GOALS WITHOUT REPRESENTATIVE PAYEES LIKE YOU WHO ARE WILLING TO SUPPORT THE NEEDS OF OTHERS. SO AGAIN, THANK YOU FOR MAKING THE CHOICE TO BECOME A REPRESENTATIVE PAYEE. AND ENJOY THIS TRAINING!>>HI. AND WELCOME TO THIS REPRESENTATIVE PAYEE TECHNICAL TRAINING. I’M ANA OBREBSKI, A HUMAN RESOURCE SPECIALIST AT THE SOCIAL SECURITY ADMINISTRATION, OR SSA. AND HERE WITH ME IS CHARMAINE GIBSON WHO IS ALSO A HUMAN RESOURCES SPECIALIST AT SSA. HI, CHARMAINE. THANKS FOR JOINING ME TODAY.>>HI, ANA. THANK YOU FOR HAVING ME.>>AND AS YOU CAN SEE, WE’RE AT THE REPRESENTATIVE PAYEE TRAIN STATION. SINCE YOU HAVE GRACEFULLY VOLUNTEERED TO SERVE AS A REP PAYEE, YOU’LL BE TAKING A NICE TRAIN RIDE TO LEARN EVERYTHING THERE IS TO KNOW ABOUT BECOMING A REP PAYEE. SO GET ON THE TRAIN AND ENJOY THE RIDE!>>WE’LL CONCENTRATE ON INDIVIDUAL REP PAYEES FOR THE ELDERLY AND VULNERABLE ADULTS. WE HAVE ADDITIONAL TRAINING FOR ORGANIZATIONAL PAYEES AND PAYEES FOR CHILDREN. YOUR STOPS TODAY ARE: THE PROGRAMS ADMINISTERED BY SSA; WHO NEEDS A REP PAYEE; DUTIES AND RESPONSIBILITIES OF REP PAYEES; AND HOW TO USE THE BENEFITS.>>AT EACH STOP, WE’LL BE GIVING YOU KNOWLEDGE CHECKPOINT QUESTIONS TO MAKE SURE YOU UNDERSTAND THE MATERIAL THAT HAS BEEN PRESENTED. IN ADDITION, AT THE END OF THE PRESENTATION, WE’LL GIVE YOU THE WEBSITE WHERE YOU CAN FIND ALL THE PUBLICATIONS AND OTHER RESOURCES TO HELP YOU MAKE YOUR JOB AS A REP PAYEE MUCH EASIER.>>ANA, IT LOOKS LIKE THE TRAIN IS APPROACHING THE FIRST STOP, THE PROGRAMS ADMINISTERED BY SSA.>>IT SURE DOES. ENJOY. I WILL BE RIGHT HERE WAITING FOR YOU. [ BELL CHIMING ]>>[ VOICEOVER ]: PLEASE STAND CLEAR OF THE DOOR. THANK YOU.>>HI. I’M FELICIA LANE.>>AND I’M CHAD BENNETT. I WILL BE DISCUSSING THE RETIREMENT, SURVIVORS, AND DISABILITY INSURANCE OR RSDI PROGRAM.>>AND I’LL BE DISCUSSING THE OTHER PROGRAM, SUPPLEMENTAL SECURITY INCOME, OR SSI, WHICH PROVIDES INCOME FOR AGED, BLIND, AND DISABLED PERSONS. THIS ONE IS A NEEDS BASED PROGRAM.>>THE RSDI PROGRAM IS THE LARGER OF THE TWO MAJOR BENEFIT PROGRAMS ADMINISTERED BY SSA. MOST PEOPLE REFER TO IT AS THE SOCIAL SECURITY PROGRAM. IT PROVIDES INCOME FOR QUALIFIED WORKERS WHO RETIRE OR BECOME DISABLED AND TO THEIR DEPENDENTS OR SURVIVORS. IT IS AN EARNED BENEFIT. WE PAY SOCIAL SECURITY BENEFITS UNDER TITLE II OF THE SOCIAL SECURITY ACT. THESE PAYMENTS ARE FINANCED THROUGH PAYROLL TAXES FROM EMPLOYEES, EMPLOYERS, AND THE SELF EMPLOYED. THIS TAX IS REFERRED TO AS FICA. AS YOU WORK AND PAY SOCIAL SECURITY TAXES, YOU EARN CREDITS THAT COUNT TOWARD ELIGIBILITY FOR FUTURE SOCIAL SECURITY BENEFITS. TO BE ELIGIBLE TO RECEIVE THESE BENEFITS ON YOUR OWN RECORD, YOU MUST BE AT LEAST 62 YEARS OLD OR DISABLED AND BE INSURED BY HAVING EARNED THE REQUIRED CREDITS. THEY’RE PAID ON THE 2ND, 3RD, OR 4TH WEDNESDAY, DEPENDING ON THE BENEFICIARY’S DATE OF BIRTH. THERE ARE THREE DIFFERENT TYPES OF PAYMENTS UNDER RSDI. THEY ARE RETIREMENT, SURVIVORS, AND DISABILITY BENEFITS. RETIREMENT BENEFITS ARE PAYABLE AT FULL RETIREMENT AGE, AND A REDUCED BENEFIT IS AVAILABLE AS EARLY AS AGE 62. FULL RETIREMENT AGE IS 65 FOR WORKERS BORN BEFORE 1938 AND GRADUALLY INCREASES UNTIL IT REACHES 67 FOR WORKERS BORN IN 1960 OR LATER. SURVIVORS BENEFITS ARE PAID IF THE WORKER DIES. CERTAIN FAMILY MEMBERS MAY BE ELIGIBLE FOR BENEFITS IF THE WORKER EARNED ENOUGH SOCIAL SECURITY CREDITS. AND DISABILITY BENEFITS ARE PAYABLE AT ANY AGE TO WORKERS AND QUALIFIED DEPENDENTS WHO HAVE ENOUGH SOCIAL SECURITY CREDITS AND WHO SUFFER A PHYSICAL OR A MENTAL CONDITION THAT PREVENTS THEM FROM PERFORMING ANY SIGNIFICANT KIND OF WORK FOR AT LEAST 12 CONTINUOUS MONTHS OR RESULTS IN DEATH.>>SSI IS A FEDERAL INCOME MAINTENANCE PROGRAM DESIGNED TO PROVIDE CASH ASSISTANCE FOR THE AGED, BLIND, OR DISABLED PERSONS WITH LITTLE OR NO INCOME OR RESOURCES. SSI PAYMENTS ARE PAID UNDER TITLE XVI OF THE SOCIAL SECURITY ACT AND ARE FINANCED FROM THE FEDERAL GENERAL REVENUES AND NOT FROM SOCIAL SECURITY TAXES. TO BE ELIGIBLE, AN INDIVIDUAL MUST BE A RESIDENT OF THE UNITED STATES, INCLUDING THE DISTRICT OF COLUMBIA AND THE NORTHERN MARIANNA ISLANDS OR A LEGALLY ADMITTED ALIEN AND BE AGE 65 OR OLDER, BLIND, OR DISABLED AND HAVE LIMITED INCOME AND RESOURCES. SSI ISN’T JUST FOR ADULTS. CHILDREN CAN ALSO RECEIVE SSI IF THEY’RE BLIND OR DISABLED. HOWEVER, FOR THEM, WE HAVE TO COUNT THEIR PARENTS’ INCOME AND RESOURCES. SSI RECIPIENTS RECEIVE THEIR PAYMENTS ON THE FIRST OF THE MONTH. AND THE CHECK AMOUNT MAY VARY, DEPENDING ON WHAT STATE THE INDIVIDUAL LIVES IN. UNLIKE SOCIAL SECURITY, THE LAW REQUIRES THAT WE REGULARLY REVIEW EACH CASE TO INSURE CONTINUED ELIGIBILITY FOR AN SSI PAYMENT AND THE PAYMENT IS CORRECT. THIS REVIEW IS CALLED A REDETERMINATION OR RZ. FOR AN RZ, WE’LL ASK THE RECIPIENT OR REPRESENTATIVE PAYEE TO PROVIDE INFORMATION ABOUT INCOME, BANK ACCOUNTS, RESOURCES, AND LIVING ARRANGEMENTS. THESE RZs CAN BE CONDUCTED BY MAIL, OVER THE PHONE, OR IN PERSON. NOW, SSA WILL NOTIFY THE RECIPIENT OR REP PAYEE WHEN AN RZ IS DUE. CHAD AND I ALSO WANT TO DISCUSS THE EVENTS THAT MIGHT AFFECT ENTITLEMENT TO SSI. NOW, THIS IS DIFFERENT THAN SOCIAL SECURITY DISABILITY BECAUSE IT IS BASED ON NEED.>>YES, ABSOLUTELY. HOWEVER, THERE ARE SOME EVENTS THAT AFFECT BOTH PROGRAMS. WHY DON’T WE DISCUSS THOSE FIRST.>>GOOD IDEA.>>THE EVENTS THAT AFFECT BOTH PROGRAMS ARE IF THE MEDICAL CONDITION IMPROVES, ANY WORK CHANGES SUCH AS STARTING OR STOPPING WORK, AND INCARCERATION.>>RIGHT. AND FOR SSI, MARITAL STATUS CHANGES, FOR EXAMPLE, MARRIAGE, DIVORCE, OR AN ANNULMENT OF MARRIAGE; CHANGES IN HOUSEHOLD, FOR EXAMPLE, IF THE RECIPIENT MOVES OR SOMEONE MOVES IN OR OUT OF THE PLACE WHERE THE RECIPIENT LIVES; OR CHANGES IN INCOME OR RESOURCES.>>THAT’S RIGHT. AND FAILURE TO REPORT THESE CHANGES PROMPTLY TO SSA AND TO PROMPTLY RETURN ANY BENEFIT CHECK THAT THE RECIPIENT MAY NO LONGER BE ENTITLED TO MAY RESULT IN AN OVERPAYMENT THAT MUST BE REPAID. YOU CAN MAKE YOUR REPORTS BY TELEPHONE, MAIL, OR IN PERSON, WHICHEVER YOU PREFER. SSA WILL ADVISE YOU WHETHER ANY ADDITIONAL EVIDENCE IS NEEDED AND HOW THE BENEFITS MAY BE AFFECTED.>>EXACTLY. THIS IS WHY IT’S VERY IMPORTANT THAT YOU KEEP SSA INFORMED OF ANY CHANGES.>>AS PROMISED, HERE ARE THE FIRST SET OF QUESTIONS.>>GOOD LUCK.>>QUESTION ONE, WHAT ARE THE THREE TYPES OF PAYMENTS UNDER RSDI? A, DISABILITY; B, RETIREMENT; C, PENSION; D, SURVIVORS? THE CORRECT ANSWERS ARE A, B, AND D, DISABILITY, RETIREMENT, AND SURVIVORS. QUESTION TWO, SSI PAYMENTS ARE MADE WITH SOCIAL SECURITY TAXES; TRUE OR FALSE? THE CORRECT ANSWER IS FALSE. SSI PAYMENTS ARE PAID UNDER TITLE XVI OF THE SOCIAL SECURITY ACT AND ARE FINANCED FROM THE FEDERAL GENERAL REVENUES AND NOT FROM SOCIAL SECURITY TAXES. QUESTION THREE, WHICH OF THE FOLLOWING CHANGES AFFECT SSI ONLY? A, MARITAL STATUS; B, INCOME OR RESOURCES; C, WORK; D, INCARCERATION; E, HOUSEHOLD, SOMEONE MOVES IN OR OUT OF THE HOUSEHOLD? THE CORRECT ANSWERS ARE A, B, AND E. ANY WORK CHANGES OR INCARCERATION HAVE TO BE REPORTED FOR BOTH PROGRAMS.>>WELCOME BACK. OKAY. AS YOU APPROACH YOUR NEXT STOP, WHO NEEDS A REP PAYEE, CHARMAINE AND I WILL TALK TO YOU ABOUT THE ACTUAL PROGRAM. CHARMAINE, WHY WAS THIS PROGRAM CREATED?>>IT WAS CREATED TO ASSIST THE MOST VULNERABLE MEMBERS OF SOCIETY; THE YOUNG, THE ELDERLY, AND THE DISABLED WHO ARE NOT CAPABLE OF MANAGING OR DIRECTING SOMEONE ELSE TO MANAGE THEIR BENEFITS. WHILE MOST PEOPLE RECEIVE THEIR BENEFITS DIRECTLY, OTHERS NEED ASSISTANCE. AND THIS PROGRAM WORKS BEST WHEN THERE’S COLLABORATION BETWEEN SSA, THE PAYEE, AND THE BENEFICIARY. AND BY PROVIDING REP PAYEES WITH A CLEAR UNDERSTANDING OF THEIR ROLE AND PROVIDING SUPPORT TO EXECUTE THEIR DUTIES, WE CAN INSURE THAT BENEFITS ARE USED IN THE BEST INTEREST OF OUR BENEFICIARIES.>>THAT’S RIGHT. AND THERE ARE TWO TYPES OF REP PAYEES.>>RIGHT.>>AND THEY ARE?>>WELL, BASICALLY, THEY ARE INDIVIDUAL AND ORGANIZATIONAL. AN INDIVIDUAL REP PAYEE IS A PERSON, USUALLY A FAMILY MEMBER OR FRIEND, WHOM THE BENEFICIARY TRUSTS WITH HIS OR HER FINANCES. THIS INCLUDES A PARENT SERVING AS PAYEE FOR HIS OR HER MINOR CHILD. AND AN ORGANIZATIONAL PAYEE IS AN ORGANIZATION, OFTEN ONE WHICH PROVIDES CARE AND TREATMENT FOR BENEFICIARIES WHO RESIDE IN THE INSTITUTION OR IN OFF-SITE FACILITIES AFFILIATED WITH THE INSTITUTION, FOR EXAMPLE, NURSING HOMES, HOSPITALS, GROUP HOME, OR A HALF-WAY HOUSE.>>YES. AND IN THIS VIDEO, WE’RE CONCENTRATING ON INDIVIDUAL PAYEES. IF YOU ARE AN ORGANIZATION APPLYING TO BE A PAYEE, PLEASE WATCH THE VIDEO ON ORGANIZATIONAL PAYEES. NOW, SINCE YOU ARE ABOUT TO ARRIVE TO YOUR SECOND STOP, LET’S TALK ABOUT WHO NEEDS A REP PAYEE FOR SSA. CHARMAINE, HOW IS THIS DECIDED?>>WELL, REP PAYEES ARE ASSIGNED TO BENEFICIARIES WHO FALL INTO THREE BASIC CATEGORIES: CHILDREN — ALMOST ALL CHILDREN UNDER AGE 18 HAVE PAYEES. THEN THERE’S BENEFICIARIES DETERMINED BY A COURT OF LAW TO BE LEGALLY INCOMPETENT. AND AS I MENTIONED EARLIER, BENEFICIARIES DETERMINED BY SSA TO BE INCAPABLE OF MANAGING OR DIRECTING THE MANAGEMENT OF THEIR MONEY.>>SO CAN ANYONE WHO WANTS PAYEE HAVE A PAYEE? WHAT I MEAN IS, CAN SOMEONE HAVE A PAYEE SIMPLY BECAUSE IT’S EASIER FOR THEM?>>NO, ANA. REPRESENTATIVE PAYMENT IS NOT A CONVENIENCE. WE SELECT A PAYEE WHEN SOMEONE IS NOT ABLE TO MANAGE OR DIRECT THE MANAGEMENT OF THEIR FINANCES BECAUSE OF THEIR AGE OR MENTAL OR PHYSICAL IMPAIRMENT.>>OKAY.>>WE WILL NEVER APPOINT A REPRESENTATIVE PAYEE SOLELY FOR A BENEFICIARY’S CONVENIENCE OR THEIR PERSONAL PREFERENCE.>>OKAY. NOW, YOU SHOULD REPORT TO US IF A BENEFICIARY’S RECEIVING THEIR SOCIAL SECURITY OR SSI PAYMENTS DIRECTLY AND YOU BELIEVE THEY HAVE LOST THE ABILITY TO MANAGE THEIR MONEY. AND WE’LL DETERMINE IF THE BENEFICIARY IS INCAPABLE AND APPOINT A PAYEE AS APPROPRIATE.>>THAT’S RIGHT. AND ON THE OTHER HAND, IF YOU ARE THE PAYEE FOR SOMEONE WHO IS SHOWING SIGNS OF IMPROVEMENT AND YOU THINK HE OR SHE MAY BE ABLE TO MANAGE THEIR OWN MONEY, REPORT IT TO US AS WELL. RIGHT?>>OH, YES. ABSOLUTELY. AND AGAIN, WE’LL SCHEDULE AN INTERVIEW WITH THE BENEFICIARY TO DETERMINE WHETHER HE OR SHE IS NOW CAPABLE OF HANDLING HIS OR HER OWN PAYMENTS.>>OKAY. NOW, HOW ABOUT IF SOMEONE HAS POWER OF ATTORNEY? DOES THAT ENTITLE THEM TO BE REP PAYEE FOR THAT INDIVIDUAL?>>NO. FOR SOCIAL SECURITY PURPOSES, HAVING POWER OF ATTORNEY OR A JOINT BANK ACCOUNT WITH THE BENEFICIARY IS NOT THE SAME THING AS BEING A REPRESENTATIVE PAYEE. NOW, ALTHOUGH HAVING A POWER OF ATTORNEY MAY BE A CONVENIENT WAY TO PAY BILLS AND HANDLE SOME LEGAL MATTERS, IT DOES NOT INCLUDE PROVISIONS FOR THE RESPONSIBILITY AND ACCOUNTABILITY THAT SOCIAL SECURITY REQUIRES OF ITS PAYEES.>>OKAY. SO EVEN IF YOU HAVE POWER OF ATTORNEY, YOU MUST APPLY TO BE A REP PAYEE WITH SOCIAL SECURITY.>>YES, EXACTLY.>>OKAY. NOW, LET’S HAVE A QUICK DISCUSSION ON HOW SSA SELECTS A PAYEE. SSA GIVES SPECIAL ATTENTION TO THOSE VULNERABLE BENEFICIARIES WHO HAVE NO RELATIVES OR CLOSE FRIENDS TO ASSIST THEM IN THE DAY TO DAY MANAGEMENT OF THEIR LIVES. WE HAVE TO BE VERY, VERY CAREFUL IN DETERMINING AND SELECTING A PAYEE FOR THOSE BENEFICIARIES, RIGHT?>>YES. WE INVESTIGATE A REPRESENTATIVE. DURING FACE-TO-FACE INTERVIEW, WE’LL ASK QUESTIONS TO DETERMINE THE SUITABILITY OF THE PAYEE, MUCH LIKE THESE…>>GOOD MORNING, MR. AND MRS. SPENCER.>>GOOD MORNING.>>GOOD MORNING, MR. MORALES.>>MS. SPENCER, YOU’RE HERE TO APPLY TO BE A PAYEE FOR YOUR HUSBAND SCOTT, RIGHT?>>YES, I AM.>>VERY WELL. DO YOU HAVE IDENTIFICATION WITH YOU, A DRIVER’S LICENSE OR PASSPORT?>>YES, I DO. HERE YOU GO.>>THANK YOU. IS MR. SPENCER LIVING WITH YOU?>>OF COURSE I AM.>>UNFORTUNATELY, YES, HE IS.>>OH, SHE TAKES GOOD CARE OF ME.>>GOOD. HAVE YOU ESTABLISHED A SEPARATE BANK ACCOUNT FOR THESE PAYMENTS?>>YES. I FOLLOWED YOUR INSTRUCTIONS AND OPENED A SEPARATE ACCOUNT FOR HIS SSI CHECKS.>>FANTASTIC. NOW, BEFORE I TAKE THE APPLICATION, LET ME EXPLAIN WHAT YOUR RESPONSIBILITIES WILL BE AS A PAYEE.>>GOOD MORNING, MS. CHARLES.>>GOOD MORNING, MR. ROMANO.>>I SEE YOU BROUGHT SOMEONE WITH YOU TO BE YOUR REPRESENTATIVE PAYEE AND HELP YOU MANAGE YOUR MONEY.>>YES. THIS IS MY GOOD FRIEND, MS. OLIVIA FRAZIER. WE ARE LIKE SISTERS.>>OH YES, WE ARE. GOOD MORNING, MR. ROMANO.>>NICE MEETING YOU. LET ME ASK YOU A FEW QUESTIONS BEFORE WE START THE APPLICATION.>>SURE, NO PROBLEM.>>HOW LONG HAVE YOU KNOWN MS. CHARLES?>>OH, WOW. WELL, WE WERE NEIGHBORS GROWING UP, AND SHE HELPED THROUGH A LOT DURING MY TEENAGE YEARS. WE HAVE STAYED CLOSE EVER SINCE.>>GREAT. ARE YOU CURRENTLY EMPLOYED?>>OH, YES. I’VE BEEN WORKING FOR THE SAME COMPANY FOR 22 YEARS.>>VERY GOOD. HOW OFTEN DO YOU SEE OR COMMUNICATE WITH MS. CHARLES?>>BELIEVE IT OR NOT, WE ARE STILL NEIGHBORS. I TAKE CARE OF MY MOM WHO LIVES NEXT DOOR TO MS. CHARLES, SO I SEE HER EVERY DAY.>>ALL RIGHT. MS. CHARLES, YOU FOUND A GREAT PERSON TO BE YOUR PAYEE. LET’S BEGIN WITH THE APPLICATION.>>IN THIS EXAMPLE, THE CRs WERE GATHERING VERY IMPORTANT INFORMATION TO HELP DETERMINE THE SUITABILITY OF THE APPLICANTS.>>YES. EVEN IF IT TAKES A LITTLE LONGER, WE WANT TO MAKE SURE WE SELECT THE MOST APPROPRIATE PAYEE FOR THE RECIPIENT.>>RIGHT. NOW, SAY A RECIPIENT HAS A PAYEE AND SOMEONE ELSE COMES IN TO FILE TO BE A PAYEE FOR THAT SAME RECIPIENT. DOES SSA NOTIFY THE CURRENT PAYEE?>>YES, WE DO. AND IN ADDITION, WE’LL INVESTIGATE THOROUGHLY ANY ALLEGATIONS OR QUESTIONS RAISED ABOUT THE CURRENT PAYEE’S CONTINUED SUITABILITY TO SERVE BEFORE DETERMINING IF WE NEED TO CHANGE THE PAYEE. SSA WILL SEND A NOTICE ADVISING THAT PAYEE IF AND WHEN THE CHANGE IS PROCESSED.>>ALL RIGHT. CAN YOU HEAR THAT?>>I HEAR IT.>>IT SOUNDS LIKE YOU ARE ARRIVING AT YOUR SECOND STOP.>>YES. SO THAT MEANS IT’S TIME FOR A FEW MORE QUESTIONS. HERE YOU GO! [ HORN HONKING ]>>WHAT ARE THE TWO TYPES OF REP PAYEES? A, INDIVIDUAL AND COLLECTIVE; B, INDIVIDUAL AND ORGANIZATIONAL; C, DEDICATED AND ORGANIZATIONAL; D, NONE OF THE ABOVE? THE CORRECT ANSWER IS B, INDIVIDUAL AND ORGANIZATIONAL. QUESTION TWO, AS A PAYEE, YOU SHOULD REPORT TO SSA IF A BENEFICIARY HAS THE ABILITY TO MANAGE HIS OR HER MONEY. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. QUESTION THREE. IF A BENEFICIARY HAS A POWER OF ATTORNEY, THE POWER OF ATTORNEY IS AUTOMATICALLY A REP PAYEE. TRUE OR FALSE? THE CORRECT ANSWER IS FALSE. SSA DOES NOT RECOGNIZE POWER OF ATTORNEY. A POWER OF ATTORNEY MUST APPLY TO BE A REP PAYEE.>>WELCOME BACK. I’M SURE YOU WERE ABLE TO ANSWER THOSE QUESTIONS WITHOUT ANY PROBLEMS. NOW, MOVING RIGHT ALONG TO DUTIES AND RESPONSIBILITIES OF A REP PAYEE.>>A REP PAYEE’S PRIMARY RESPONSIBILITY IS TO USE THE PAYMENTS IN THE BENEFICIARY’S BEST INTEREST. THIS IS BY MAKING SURE THAT THE BENEFICIARY’S CURRENT AND FORESEEABLE NEEDS ARE BEING MET.>>NOW, CHARMAINE, WHAT DO YOU MEAN BY CURRENT AND FORESEEABLE?>>NOW, THAT’S A GOOD QUESTION, ANA. IT MEANS PRIMARILY FOOD, SHELTER, CLOTHING, AND MEDICAL EXPENSES NOT COVERED BY MEDICARE OR MEDICAID OR PROVIDED BY A RESIDENTIAL INSTITUTION. NOW, IF THE BENEFICIARY IS IN A RESIDENTIAL INSTITUTION, THE PAYEE IS RESPONSIBLE FOR USING SOCIAL SECURITY FUNDS TO PAY THE INSTITUTION’S FEES. AND ONCE THESE NEEDS ARE SATISFIED, THE PAYEE CAN CONSERVE THE MONEY IN A CHECKING OR SAVINGS ACCOUNT FOR THE BENEFICIARY. YOU MAY ALSO USE THE REMAINING FUNDS FOR THE BENEFICIARY’S PERSONAL COMFORT ITEMS, RECREATION, AND MISCELLANEOUS EXPENSES.>>MISCELLANEOUS. CAN YOU GIVE US SOME EXAMPLE OF MISCELLANEOUS EXPENSES?>>SURE. THINGS LIKE HEALTH AND HYGIENE ITEMS, HOME FURNISHINGS, TRANSPORTATION EXPENSES, HOBBY AND CRAFT ITEMS, AND THERAPEUTIC EQUIPMENT RECOMMENDED BY A DOCTOR OR APPROPRIATE THERAPIST AND NOT COVERED BY ANY OTHER SOURCE.>>NOW, CAN THE MONEY BE USED FOR OTHER MEMBERS OF THE FAMILY?>>THAT’S ANOTHER GOOD QUESTION. YOU CAN USE RETIREMENT AND TITLE II DISABILITY FUNDS FOR LEGAL DEPENDENTS, BUT NOT SSI FUNDS. SSI FUNDS ARE JUST FOR THE RECIPIENT’S EXPENSES.>>OKAY. GOOD. NOW, ANOTHER IMPORTANT ASPECT OF A REP PAYEE IS REPORTING CHANGES ON TIME. RIGHT?>>YOU GOT THAT RIGHT. LIKE CHAD STATED EARLIER, IF CHANGES ARE NOT REPORTED TIMELY, AN OVERPAYMENT CAN OCCUR. AND ALL THE OVERPAID MONEY WILL HAVE TO BE RETURNED TO SSA. IT’S IMPERATIVE THAT THESE EVENTS ARE REPORTED TO US IMMEDIATELY. WHY DON’T WE GO BACK TO CHAD AND FELICIA SO THEY CAN DISCUSS THIS FURTHER.>>SOUNDS GOOD.>>SOME OF THE REPORTING RESPONSIBILITIES ARE THE BENEFICIARY MOVES, STARTS OR STOPS WORKING, OR MARRIES, DIVORCES, OR HAS A MARRIAGE ANNULLED, AS WE ALREADY STATED, AS WELL AS THE BENEFICIARY OR THE BENEFICIARY’S SPOUSE DIES, YOU ARE UNABLE TO CONTACT OR LOCATE THE BENEFICIARY, THE BENEFICIARY’S NAME CHANGES, CONDITIONS IMPROVE, OR HE OR SHE LEAVES OR PLANS TO LEAVE THE U.S. FOR 30 CONSECUTIVE DAYS OR MORE, THE BENEFICIARY’S IMMIGRATION OR CITIZENSHIP STATUS CHANGES, THE BENEFICIARY IS CONFINED TO A CORRECTIONAL INSTITUTION OR HAS AN UNSATISFIED WARRANT OR THE BENEFICIARY NO LONGER NEEDS A PAYEE.>>NOW, SINCE SSI IS BASED ON NEED, YOU MUST ALSO REPORT THESE EVENTS: IF THE BENEFICIARY ACQUIRES OR ACCUMULATES COUNTABLE RESOURCES THAT EXCEED $2,000 FOR AN INDIVIDUAL OR $3,000 FOR A COUPLE; THE BENEFICIARY MOVES, EVEN TEMPORARILY, TO OR FROM A HOSPITAL, NURSING HOME, OR OTHER INSTITUTION; A MARRIED BENEFICIARY SEPARATES FROM HIS OR HER SPOUSE, OR THEY BEGIN LIVING TOGETHER AFTER A SEPARATION; SOMEONE MOVES INTO OR OUT OF THE BENEFICIARY’S HOUSEHOLD; THE BENEFICIARY GIVES BIRTH TO A CHILD; THE BENEFICIARY HAS ANY CHANGE IN WAGES OR GOVERNMENT PAYMENTS; OR THE BENEFICIARY OR THE BENEFICIARY’S CHILD STOPS OR STARTS RECEIVING A PENSION OR OTHER INCOME OF ANY KIND. OKAY. THAT’S IT FOR US.>>NOW, CHARMAINE, I REALLY, REALLY THINK THIS IS PROBABLY THE MOST IMPORTANT PART OF THE TRAINING.>>I AGREE. AND TO REPORT CHANGES, YOU CAN CALL OUR TOLL-FREE NUMBER AT 1-800-772-1213 OR CALL, FAX, OR VISIT YOUR LOCAL SOCIAL SECURITY OFFICE. NOW, WHEN YOU CONTACT US, YOU MUST HAVE ON HAND THE BENEFICIARY’S NAME, SOCIAL SECURITY NUMBER, DATE AND PLACE OF BIRTH, MAILING ADDRESS, AND ONE OTHER UNIQUE IDENTIFIER SUCH AS BENEFIT AMOUNT.>>AND BESIDES THE REGULAR ITEMS THAT YOU MUST REPORT, WE HAVE ANNUAL REPORTS THAT YOU MUST COMPLETE. AT LEAST ONCE PER YEAR, WE WILL ASK YOU TO REPORT ON HOW YOU USED OR SAVED THE BENEFITS YOU RECEIVED. THEREFORE, YOU MUST KEEP RECORDS OF DEPOSITS AND EXPENSES.>>THAT’S RIGHT. IF YOU’RE RESPONSIBLE FOR MORE THAN ONE BENEFICIARY, YOU MUST KEEP SEPARATE RECORDS FOR EACH BENEFICIARY FOR WHOM YOU ARE PAYEE FOR AT LEAST TWO YEARS. YOU MUST KEEP RECORDS OF ALL PAYMENTS WE MAKE TO YOU, ALL BANK STATEMENTS, AND RECEIPTS OR CANCELED CHECKS FOR RENT, UTILITIES, AND ANY OTHER MAJOR PURCHASES MADE FOR THE BENEFICIARY.>>OKAY. I KNOW THERE ARE SOME RESTRICTIONS TO WHAT YOU CAN DO AS A PAYEE.>>YES. WE APPOINT A PAYEE TO MANAGE SOCIAL SECURITY AND SSI BENEFITS ONLY. NOW, BEING A PAYEE DOES NOT GIVE YOU AUTHORITY FOR ANYTHING ELSE RELATED TO THE BENEFICIARY OR RECIPIENT. YOU KNOW, HERE’S A LIST OF THINGS YOU CANNOT DO AS A PAYEE:>>MANAGE OR CONTROL THE BENEFICIARY’S NON-SOCIAL SECURITY INCOME — THESE ARE WAGES, PENSIONS, DIVIDENDS, OR ANY INCOME FROM SOURCES OTHER THAN SOCIAL SECURITY OR SSI BENEFITS; USE THE BENEFITS FOR ANYTHING OTHER THAN THE BENEFICIARY’S NEEDS; SPEND THE FUNDS IN A WAY THAT WOULD LEAVE THE BENEFICIARY WITHOUT NECESSARY ITEMS OR SERVICES — THAT INCLUDES HOUSING, FOOD, CLOTHING, MEDICAL CARE, ET CETERA; DEPOSIT THE BENEFITS IN YOURS OR ANOTHER PERSON’S ACCOUNT, UNLESS YOU ARE A PARENT OR A SPOUSE OR IN YOUR ORGANIZATION’S OPERATING ACCOUNT; KEEP THE BENEFICIARY’S CONSERVED FUNDS IF YOU ARE NO LONGER THE PAYEE; CHARGE THE BENEFICIARY FOR PAYEE SERVICES UNLESS THE ORGANIZATION HAS OUR WRITTEN AUTHORIZATION TO DO THIS; MAKE MEDICAL DECISIONS FOR THE BENEFICIARY; SIGN LEGAL DOCUMENTS ON BEHALF OF THE BENEFICIARY; OR LEND THE FUNDS TO ANYONE ELSE, INCLUDING OTHER BENEFICIARIES YOU SERVE — THIS INCLUDES USING FUNDS HELD IN A COLLECTIVE ACCOUNT TO MAKE UP A SHORTFALL WHEN ANOTHER BENEFICIARY’S EXPENSES EXCEED HIS OR HER OWNERSHIP INTEREST IN THE ACCOUNT. AND YOU MUST NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES, A PASS DEBT, OR TO ACCUMULATE CONSERVED FUNDS.>>AND HERE YOU ARE. YOU’VE ARRIVED AT THE DUTIES AND RESPONSIBILITIES OF A REP PAYEE STATION.>>TAKE A FEW MINUTES TO ANSWER THE NEXT SET OF QUESTIONS. GOOD LUCK! [ HORN HONKING ]>>IF YOU DETECT ELDER ABUSE OR NEGLECT, WHAT ORGANIZATION SHOULD YOU CONTACT FIRST? A, FEDERAL BUREAU OF INVESTIGATION, FBI; B, SOCIAL SECURITY ADMINISTRATION, OR SSA; C, ADULT PROTECTIVE SERVICES OR APS; OR D, INTERNAL REVENUE SERVICE, OR IRS? THE CORRECT ANSWER IS C. YOU MUST FIRST CONTACT ADULT PROTECTIVE SERVICE OR APS. QUESTION 2: YOU CAN REPORT CHANGES TO SSA BY CALLING OUR TOLL-FREE NUMBER OR CALLING, FAXING, OR VISITING A LOCAL SOCIAL SECURITY OFFICE. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. YOU MAY CALL OUR TOLL-FREE NUMBER, 1-800-772-1213, OR CONTACT ONE OF OUR SOCIAL SECURITY OFFICES.>>VERY GOOD. YOU’RE ALMOST THERE. YOU’RE ON YOUR WAY TO THE FINAL STOP, HOW TO USE THE BENEFITS. LET’S GO OUTSIDE TO KRISTIE BOUTTÉ SO SHE CAN TALK TO YOU ABOUT HOW TO USE THE BENEFITS. [ HORN HONKING ].>>AS PREVIOUSLY STATED, A REP PAYEE’S PRIMARY RESPONSIBILITY IS TO ENSURE THE BENEFICIARY’S CURRENT NEEDS ARE MET. YOU MUST NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES, A PAST DEBT, OR TO ACCUMULATE CONSERVED FUNDS. SOCIAL SECURITY AND SSI PAYMENTS ARE GENERALLY EXEMPT FROM SEIZURE BY CREDITORS. BUT IF THE FAILURE TO PAY AN OLD DEBT COULD RESULT IN NEGATIVE CONSEQUENCES LIKE HOMELESSNESS, THEN YOU SHOULD DO YOUR BEST TO SETTLE THE DEBTS. FOR VARIOUS REASONS, A BENEFICIARY MIGHT RECEIVE A LARGE PAYMENT, COVERING SEVERAL MONTHS OR EVEN YEARS OF PAST DUE BENEFITS. IF THIS HAPPENS, YOUR FIRST RESPONSIBILITY IS TO INSURE THE BENEFICIARY’S CURRENT AND FORESEEABLE NEEDS ARE MET. FUNDS NOT NEEDED FOR THE BENEFICIARY’S CURRENT MAINTENANCE MAY BE DEPOSITED IN AN INTEREST BEARING OR DIVIDEND BEARING ACCOUNT IN A BANK, TRUST COMPANY, CREDIT UNION, OR SAVINGS AND LOAN ASSOCIATION THAT IS INSURED UNDER EITHER FEDERAL OR STATE LAW. ANY INTEREST EARNED BELONGS TO THE BENEFICIARY AND NOT TO THE PAYEE. REMEMBER, FOR SOCIAL SECURITY, NOT SSI, BENEFICIARIES LIVING IN AN INSTITUTION WHOSE CURRENT MAINTENANCE NEEDS ARE BEING MET, YOU MAY USE PART OF THE FUNDS TO SUPPORT THE BENEFICIARY’S LEGALLY DEPENDENT SPOUSE, CHILD, OR PARENT. HOWEVER, YOU SHOULD CONTACT SOCIAL SECURITY BEFORE DOING SO. YOU MAY ALSO REIMBURSE YOURSELF FROM THE BENEFICIARY FUNDS FOR ACTUAL EXPENSES INCURRED IN PROVIDING SERVICES FOR THE BENEFICIARY. SOME TYPICAL REIMBURSABLE EXPENSES ARE THE COST OF MONEY ORDERS, TRANSPORTATION COSTS, ET CETERA. TO CLAIM A REIMBURSEMENT, YOU MUST KEEP RECORDS OF YOUR EXPENSES AND YOU MUST CONTACT SSA FIRST. THAT’S IT FOR ME. BACK TO YOU, ANA.>>THANKS, KRISTIE. LET’S TALK A LITTLE BIT ABOUT DIRECT DEPOSIT. A LAW WENT INTO EFFECT MARCH 1, 2013, REQUIRING EVERYONE TO RECEIVE THEIR SOCIAL SECURITY AND SSI PAYMENTS ELECTRONICALLY.>>RIGHT. NOW, THERE ARE DIFFERENT ACCOUNTS THAT CAN BE USED SUCH AS DEDICATED ACCOUNTS, COLLECTIVE ACCOUNTS, AND REGULAR CHECKING AND SAVINGS ACCOUNTS. NOW, DEDICATED ACCOUNTS ARE FOR DISABLED AND BLIND CHILDREN. WE WON’T BE DISCUSSING IT DURING THIS TRAINING, BUT IT WILL BE IN THE VIDEOS DEDICATED TO PAYEE’S FOR CHILDREN. NOW, BOTH INDIVIDUAL AND ORGANIZATIONAL PAYEES CAN USE COLLECTIVE ACCOUNTS. INSTITUTIONS, AGENCIES, AND INDIVIDUALS WHO SERVE AS REPRESENTATIVE PAYEES FOR A LARGE NUMBER OF BENEFICIARIES OFTEN ASK SSA IF THEY CAN HOLD SOCIAL SECURITY OR SSI BENEFIT PAYMENTS IN ONE’S SAVINGS OR CHECKING ACCOUNT.>>RIGHT. NOW, USING COLLECTIVE ACCOUNTS MAY REDUCE A PAYEE’S ADMINISTRATIVE BURDEN OF MAINTAINING INDIVIDUAL ACCOUNTS FOR EACH BENEFICIARY. NOW, WHEN OPENING UP A CHECKING OR SAVINGS ACCOUNT FOR YOU AND THE INDIVIDUAL YOU’LL BE A PAYEE FOR, MAKE SURE YOU DON’T MIX MONEY WITH THAT OF THE BENEFICIARIES. THE ACCOUNT SHOULD BE TITLED YOUR NAME, FOR, THE BENEFICIARY’S NAME.>>RIGHT. FOR EXAMPLE, ANA OBREBSKI FOR CHARMAINE GIBSON.>>RIGHT.>>OKAY. I KNOW WE’VE BEEN GIVING YOU A LOT OF INFORMATION ABOUT PAYMENTS, ACCOUNTABILITY, AND RECORD KEEPING. BEING A REP PAYEE IS A HUGE RESPONSIBILITY. THIS INDIVIDUAL IS DEPENDING ON YOU TO MEET THEIR DAILY NEEDS AND INSURE THEIR MONEY IS IN GOOD HANDS AND SPENT THE WAY IT’S SUPPOSED TO BE. WE TAKE THIS AT SSA VERY, VERY SERIOUSLY.>>YES, WE DO. WE REALLY WANT TO THANK YOU FOR TAKING ON THIS HUGE RESPONSIBILITY. BUT ANA, IF YOU DON’T MIND, I’D LIKE TO SHARE WITH THE VIEWERS A FEW IDEAS ON HOW THEY CAN ASSIST THE BENEFICIARIES IN OTHER WAYS.>>OH, ABSOLUTELY. GO RIGHT AHEAD.>>WELL, ACTUALLY, I’LL LET MAURICE GIVE IT TO THEM.>>OKAY.>>MEET REGULARLY WITH THE BENEFICIARY, PREFERABLY FACE TO FACE. ESTABLISH A BUDGET, DISCUSS IT WITH THE BENEFICIARY, AND INVOLVE HIM OR HER AS MUCH AS POSSIBLE IN FINANCIAL DECISIONS. EXPLAIN SOCIAL SECURITY AND OR SSI PAYMENTS AND THE BENEFICIARY’S EXPENSES TO HIM OR HER. ENSURE THAT THE BENEFICIARY IS AWARE OF CURRENT OR LARGE RETROACTIVE PAYMENTS AND WHAT THE BENEFICIARY’S OPTIONS ARE IN REGARDS TO ENTITLEMENT AND OVERPAYMENTS FOR SSI AND OR MEDICAID. HELP THE BENEFICIARY FIND OTHER SERVICES HE OR SHE NEEDS, I.E. FOOD STAMPS, HOUSING SUBSIDIES, ET CETERA. HELP THE BENEFICIARY FILL OUT APPLICATIONS FOR OTHER NEEDED SERVICES, AND COOPERATE WITH CASEWORKERS. HELP THE BENEFICIARY GET MEDICAL TREATMENT WHEN NECESSARY. NEGOTIATE WITH LANDLORDS AND OTHERS TO GET THE BEST POSSIBLE DEAL FOR THE BENEFICIARY. HELP THE BENEFICIARY FILE INCOME TAX RETURNS. NOTE THAT THE BENEFICIARY MAY OWE TAXES ON SOCIAL SECURITY PAYMENTS OR MAY BE DUE A REFUND. ALSO, THE BENEFICIARY MAY BE ENTITLED TO EARNED INCOME TAX CREDIT, EITC, THAT CAN BE PAID THROUGHOUT THE YEAR OR INCLUDED IN THE FEDERAL INCOME TAX CALCULATION. AND RECOMMEND AN ALTERNATIVE PERSON OR AGENCY IF YOU CAN NO LONGER SERVE AS THE REPRESENTATIVE PAYEE.>>EXCELLENT IDEAS. AND GUESS WHAT.>>WHAT?>>WHILE MAURICE WAS GIVING THEM TO YOU, THE TRAIN ARRIVED AT THE FINAL STOP.>>HERE IS YOUR LAST SET OF QUESTIONS.>>QUESTION 1: YOU MUST NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES, A PAST DEBT, OR TO ACCUMULATE CONSERVED FUNDS. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES. QUESTION TWO: LEFTOVER FUNDS CAN BE DEPOSITED INTO A FINANCIAL INSTITUTION INSURED UNDER FEDERAL OR STATE LAW. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. LEFTOVER FUNDS CAN BE DEPOSITED IN A BANK ACCOUNT, TRUST COMPANY, CREDIT UNION, OR SAVINGS AND LOAN ASSOCIATION THAT IS INSURED UNDER EITHER A FEDERAL OR STATE LAW.>>NOW YOU KNOW EVERYTHING THERE IS TO KNOW TO BE A SUCCESSFUL AND RESPONSIBLE REP PAYEE.>>CONGRATULATIONS, EVERYONE.>>CHARMAINE, THANK YOU SO MUCH FOR ALL THE INFORMATION.>>NO PROBLEM. THANKS AGAIN FOR HAVING ME.>>AND AGAIN, WE WANT TO THANK YOU FOR YOUR WILLINGNESS TO SERVE AS A REP PAYEE. AS I MENTIONED EARLIER, SSA TAKES THIS RESPONSIBILITY VERY, VERY SERIOUSLY. AND WE’LL STAY ON TOP OF ANY CHANGES OR ISSUES THAT WILL AFFECT THE WELL BEING OF THE BENEFICIARIES. AND AS I PROMISED, YOU CAN FIND ALL THE PUBLICATIONS RELATED TO REP PAYEE, SSA, AND THE PROGRAMS WE ADMINISTER AT WWW.SOCIALSECURITY.GOV/PAYEE.>>THANKS FOR WATCHING.

    4 Reasons Everyone Should Read “The Underground Railroad” by Colson Whitehead
    Articles, Blog

    4 Reasons Everyone Should Read “The Underground Railroad” by Colson Whitehead

    August 17, 2019


    – Hey Naturally Curly World. I’m Cristina and
    February’s Naturally Curly book club pick of the month was Colson Whitehead’s Underground Railroad. I’ve been talking to
    the editors about books that we should read during this month. It’s also on Oprah’s book club list, it’s on Obama’s summer reading list, and it won the National Book Award. This book is a historical fiction and in it we follow Cora. Who’s a young girl, who takes a literal underground railroad across
    the country to escape slavery. (soft music) Reason number one, for context. We all took that one day of black history in elementary school, but it’s really important that we continue to educate ourselves throughout our lives about this tumultuous time in our history. There’s a lot of racial injustice and political conflict happening today. And it’s important that
    we understand this time because it’s what shaped our history. Number two, because
    reading a book is better than watching a movie. When you read a history text
    book you get all the facts, but you miss out on all the color. And when you watch a movie
    you get all of the color, but you miss out on accuracy. So when you read historical fiction, I think you get the best of both worlds. It’s really the best way
    to get a realistic idea of what it’s like to live
    in someone else’s shoes. Number three, to take part
    in Black History Month in a meaningful way. I’m sure you’ve seen a lot
    of posts in your social feeds about Black History Month, but there is a great
    Blavity article that we just shared on Naturally Curly by Doug Spencer. The one way that he and
    his friends are challenging the status quo of Black History Month is to read a book by a
    black author this month. Obviously The Underground
    Railroad is a great choice, but if you want to see a
    full list of other books by black authors that he
    recommended, you can click here. Number four, because it’s uncomfortable. Cora’s story and the
    stories of the people that she meets along the way are devastating. And a lot of the time reading
    this book is uncomfortable. There are graphic depictions
    of violence, rape, treating people as if they’re livestock. Even though it’s fiction,
    nothing about it is whimsical. There’s a great quote in the
    L.A. Times about this book that says, “What is so
    strikingly clear in the pages of The Underground Railroad
    is that we actually have no idea just how uncomfortable
    we need to get before we even begin to understand
    how far we have to go.” So that’s it. Those are all my reasons. But you don’t have to take my word for it, you can get the book and read it yourself. And then come tell us what you thought. We’re having a Facebook
    Live where we’re gonna be talking about the book on February 28th at 12:00
    Central Standard Time, 1 p.m. Eastern. And I can’t wait to hear what you think. If you wanna join our book club, sign up. We will send you newsletters
    about the book of the month and when we’re gonna
    be talking about them. And if you wanna see
    more videos like this, then share, like, subscribe. And we’ll see you next time, bye.

    Giant Railroad Crossing
    Articles, Blog

    Giant Railroad Crossing

    August 17, 2019


    Hello ladies and gentlemen RailROL82 here, today I’m in South Bay Florida I’m going to show you guys this
    huge railroad crossing over here so this is the SCFE line, South Central Florida
    Express there you have the pavement markings and rxr sign over here and then here you have the relay case this relay case has a surveillance camera on it, I’ve never
    seen that before, that’s facing Belle Glade that way This is facing Clewiston North then this cantilever here is a Lincoln
    industries Here you have the emergency contact info crossing number you see that old school light right there
    with the no left turn and the orange light on top, that’s really old school. there’s a WC Hayes the no left turn and the top one
    is a safe tran and then these over here are Progress these look, these
    appear to be incandescent. And then over here you got the WC Hayes Mechanical bell up top which is an endangered species. and you’ve got Progress lights all
    around Aluminum crossing gate this is a Lincoln industry signal base
    safe tran gate mechanism and then let me take you to the median crossing so Oh before I show you the median
    crossing, this here is all sugarcane these trains here this is all sugar cane You got sugar cane that was dropped from the trains and then here is the grade crossing This is US 27 it’s a very traveled highway busy highway, so I think it’s gonna be a
    minute before I cross that cantilever on that side is significantly
    larger maybe not it just has that support up
    top Okay now I cross Ok so Here we see the DOT tag Lincoln industries signal base Safe tran gate mechanism Progress lights all around There’s no bell here and you got the bracket there and then the other median crossing on this side These are also Progress lights 4 of them Lincoln Industries signal base Safe tran gate mechanism and then I want to show you the big dog over here yeah this is an MI an MI cantilever over here You got 3 pairs of progress lights, a cross buck Zoom out here, get the full grasp of
    it and then yeah these are also progress lights emergency contact info
    modern industries Louisville Kentucky Lincoln Industries signal base Safe tran, Progress bracket Progress signal base WC Hayes bell up top for those of you, Oh! Look at the
    foundation over here the nuts for those of you that have never seen
    sugar cane this is what dry sugar cane looks like that’s where all your sugar comes from and let me give you a track view on this side you can see the smoke down that way they’re burning sugar cane in order
    to harvest it, that’s what they do they’ve burned them so when they get in
    there is no snakes or any other harmful critters all righty guys make my way back to the
    RailROL82 mobile thank you very Thank you very much for viewing Please subscribe or like take care, over and out

    Rural Railroad Crossing with Speed Restriction in Snow
    Articles, Blog

    Rural Railroad Crossing with Speed Restriction in Snow

    August 17, 2019


    hello ladies and gentlemen as you can
    maybe see it’s a beautiful snowy day in the Czech Republic and I’d really like
    to show you this railroad crossing which is located on the local rail line from
    the town of Studénka, my hometown, to the town of Bílovec, Studénka is in that
    direction Bílovec somewhere there, I think just three or four kilometers from here this line is really short you can see this crossing is located on the kilometer 3.4 this sign indicates the trains can go up to 60 kilometers per hour that should be around 40 miles per hour but at this crossing, I’m not completely sure but the speed is restricted to 15
    or 20 kilometers per hour it’s because of the safety cause here is just the cross
    buck and the STOP sign no lights nor gates this crossing has number P six
    seven seven four you can see here those strange wooden structures you can
    see there and there are used to protect the rail line from the snow which could
    be blown by the wind that’s also why they are only on this side, not on the
    other cause the wind usually blows from that
    direction you almost can’t see the road this is track view I think North to Bílovec and this should be the track view South to Studénka here you can again see the cross buck, the STOP sign and again
    60 kilometers per hour permitted a car is crossing you can see it got a
    wheel slip, very interesting and that should be all for today please subscribe or like, thank you very much for watching over and out

    Abandoned Publix Railroad in Miami
    Articles, Blog

    Abandoned Publix Railroad in Miami

    August 17, 2019


    CSX Publix abandoned spur guys. This here is the Publix distribution center in North Miami right. It’s one of the main warehouses. This is gate 4. You got the military style barbed wire where anybody would slice themselves if they attempt to enter this place. But yeah, here is where I wanted to focus your attention. Anybody that sees this is like Wow! That’s a tremendous spur, tremendous railroad going into Publix right? But look, abandoned. If you don’t see that its abandoned I’m going to take you to where you can really see that its abandoned. Were going to walk toward where it met up with the mainline. Right now I’m walking East. toward the CSX mainline. Back there was Gate 4 where we were. A few moments ago. and walking West, sorry East. We were facing West, now were facing East. Oh you don’t see those of wood anymore. That is throwback right there. and We’re coming up to where it was cut. From the mainline, Right…. on the other side of the street. There it is, you can see some undesirable people decided to litter. I actually have a video on that abandoned spur over there too guys If you want to see it, I’ll include a link for it. See, make sure nobody’s coming ok. So yeah, somebody was nice enough to put a bathtub right where the spur used to be. See you got a dresser there. And this marks the end of the spur. yeah, that used to be the Publix spur guys, but I just discovered something as I was walking over here. Look at this, there’s an abandoned spur here also. That’s old. That wood wow. Thank you very much for viewing the video guys. Appreciate it and pleas subscribe, like, or share. Thanks and bye. bye.

    ♬I’ve Been Working On The Railroad【Nursery Rhyme, Kids Song for Children】
    Articles, Blog

    ♬I’ve Been Working On The Railroad【Nursery Rhyme, Kids Song for Children】

    August 17, 2019


    I’ve been working on the railroad
    All the livelong day I’ve been working on the railroad
    Just to pass the time away Don’t you hear the whistle blowing
    Rise up so early in the morning Don’t you hear the captain shouting
    Dinah, blow your horn Dinah, won’t you blow Dinah, won’t you blow Dinah, won’t you blow your horn Dinah, won’t you blow Dinah, won’t you blow Dinah, won’t you blow your horn Someone’s in the kitchen with Dinah
    Someone’s in the kitchen I know Someone’s in the kitchen with Dinah
    Strumming on the old banjo I’ve been working on the railroad
    All the livelong day I’ve been working on the railroad
    Just to pass the time away Don’t you hear the whistle blowing
    Rise up so early in the morning Don’t you hear the captain shouting
    Dinah, blow your horn Dinah, won’t you blow
    Dinah, won’t you blow Dinah, won’t you blow your horn Dinah, won’t you blow Dinah, won’t you blow Dinah, won’t you blow your horn Someone’s in the kitchen with Dinah
    Someone’s in the kitchen I know Someone’s in the kitchen with Dinah
    Strumming on the old banjo

    Articles

    Haunted Railroad Tracks In San Antonio | Dead Explorer #80

    August 17, 2019


    So we just finished doing some ghosthunting
    at the mission and we just happen to come across the tracks from the urban legend of
    the kids pushing a car over the tracks. So we decided we wanted to go check it out. I
    am Alejandro. I search the world for paranormal activity. I am the Dead Explorer. So, before
    we do it, you know, if you look straight up here all the way across you can see there
    is definitely a gradual decline all the way down. Even from this area right here, but
    if you driver further back down that way and try to look down this way it’s a weird optical
    illusion where you can’t see the grade of the decline that much. That’s why people
    think its flat, but it’s not flat. It’s not flat at all. No. You can see that over
    there is higher where we are at. Even all the way through, even right here, you can
    see it all the way. Do you have the recorder? I’ll hold the recorder. Do you got it? I
    don’t got it. Here you go. So you are behind us, you have a better bird’s eye view. Oh-oh
    here comes the rape van. So if you are right here and you look straight down it looks flat
    right? Yea. Yep. It looks perfectly flat. They say leave your vehicle.. oh shoot, watch
    out for the rape van for real. Maybe I will roll up the windows, roll up the windows.
    Roll up the windows man. Who are these guys? It’s all white. Film it, film it, film it.
    You on it Jay? Yea. They are going to do the train tracks. That’s funny we came out to
    the train tracks and now are going to watch somebody else do it. Can you zoom in? Yea.
    I’m zoomed it. You’re zoomed in. Is it moving? Yea it’s moving. I don’t know
    if it’s just gas, but watch you can do it from even all the way right here. I put it
    in neutral, shut it off, ok? I’m going to let go of the brake. As soon as you see me
    let go of the brake it will take off. See? Is there any kids with us? Man it’s picking
    up speed. Yea man, but when you come down from the other way you can totally see its
    downhill. Yea, there is nothing to it man. Now I have a story. I wish Wendy was with
    us. I’m going to stop right her. So these are the tracks? Now we start going up, you
    see that? Now we start going up. Ok, so we are going uphill right now. Now we are in
    a rut. Okay. There is no possible way we can go anywhere, maybe back, but we are in a rut.
    Alright. Wendy came out here with her brother Wes, no her brother William, they sat in this
    rut, they were out here for two hours, and they literally felt something push the car
    like it literally something pushed the car through the rut off. We got one of these in
    Austin man. Everybody does. All over the United States people have the urban legends of the
    kids pushing a car over the railroad tracks. Yea, so tit saves them. There is, you know,
    around certain times of the year people will actually come out, you will see people drawing;
    they put candles out and draw pentagrams, they do a bunch of dumb stuff. People do séances,
    it’s dumb. This area, like you said, this whole area is weird, but you know who knows
    what the real story is? You ready to go home? You ready? Yea, these kids aren’t going to
    push us. Thank you for watching Dead Explorer Real Paranormal Videos. Please make sure you
    favorite and like this video and subscribe for more Dead Explorer.

    Day in the Life of a Tulsa Welding School Graduate: Ryan C. – Rewarding Career In Demand High Paying
    Articles, Blog

    Day in the Life of a Tulsa Welding School Graduate: Ryan C. – Rewarding Career In Demand High Paying

    August 17, 2019


    welding can be very rewarding you know because you can build a lot of things and you can look back on it say hey I built that you know with my skills growing up he was quiet and I mean he always wanted to hang around his dad dad dad is his hero their tinkers you know what I call tinkerers they’re always using their hands and keeping busy with something you know they want to make something you know to make something better what got me into welding it was one thing my dad didn’t know how to do so kind felt me superior when i was teaching him for the first time before i went to welding school you know i just took welding in my high school program he weld well very very slow and carefully like he it was like I know I’m gonna do this I’m gonna do this and my welding was ok but after Tulsa Welding school I have a lot confidence i can go around the whole pipe without even stopping or anything they show me every single position you can think of you know there’s going to be a welding test for company i know Tulsa Welding School is gonna train me for the exact same test that they’re gonna give me they prepare you when he graduated he got a job they helped him find a job and when he brought home his first paycheck we looked at each other and like 30 years of us working you know he was making more in 1 week than we were you know it’s just unbelievable you know what that has opened for him Welding is really rewarding myself and my family like to do for fun I like to come back home to my ranch and take take my ATVs and go around you know go crazy I like to go really fast I have a lot of stuff to do now i know it i think in five five more years I want to have like 3 rig trucks all ready to go maybe four maybe five and if i’m not using them I rent them out well maybe I shouldn’t be saying this cus people’s gonna steal my idea don’t have to really worry about financial problems or anything just steer forward and look up what’s ahead and nothing to look back and nothing to regret I like welding because if you do a good job and you work hard at it it’s very rewarding and the money either bad either you know you can travel anywhere you want to you can build anything you want to you know because everything in this world is welded up you can take your truck and go in any direction and you’re guaranteed to find a welding job anywhere you go you know with all the education you get and all education you can get at Tulsa Welding School you know they set you up for a solid solid standing for your future I’m Ryan C and I’m a Tulsa Welding School graduate