Insurance Companies That Offer Affiliate Programs

Companies connected to Trump received large taxpayer-funded forgivable loans: A list

Yesterday, the Small Business Administration and Treasury Department disclosed the recipients of 660,000 Paycheck Protection Program loans. The list only includes those who received at least $150,000 in funding, which is less than 15 percent of the total number of loans. The administration originally tried to hide this information.
Recipients do not have to repay the loan if they keep (or re-hire to meet) their pre-COVID-19 levels of employment and compensation and spend the funds on approved expenses.
Explore the list yourself: The Washington Post turned the original spreadsheet into an online searchable database.
This post is about the relevant “highlights” from the list. Some of the connections to politicians are stronger than others. However, the point isn't so much that certain politicians are unethically profiting - the point is that the American people deserve to know where their money is going. Especially when so many "average" Americans are struggling. In other words, draw your own conclusions from the data.

Connections to Trump & family

A New York shipping business (Foremost Group) owned by the family of Transportation Secretary Elaine Chao, the wife of the Senate majority leader, Mitch McConnell, received at least $350,000. “Ms. Chao has no formal affiliation or stake in the business, but she and Mr. McConnell have received millions of dollars in gifts from her father, James, who ran the company until 2018.”
Kasowitz Benson Torres, founded and run by Trump’s longtime personal lawyer, Marc E. Kasowitz, received a loan for between $5 million and $10 million. Mr. Kasowitz and the firm represented Trump during Mueller’s investigation and for decades before Trump was elected president.
The American Center for Law and Justice, whose chief counsel is Trump lawyer Jay Sekulow, got between $1 million and $2 million. Sekulow also defended Trump during the Mueller investigation and impeachment proceedings.
Jared Kushner connections:
  • Esplanade Livingston, a Kushner family entity that owns the land in Livingston, N.J., where the family’s Westminster Hotel is, got between $350,000 and $1 million. Esplanade Livingston’s company address is the same as that of the Kushner Companies real estate development business.
  • Princeton Forrestal, a real estate entity owned by various members of the Kushner family not including Mr. Kushner, received a loan of between $1 million and $2 million. It is at least 40 percent owned by Kushner family members.
  • The New York Observer, the news website that Kushner ran before entering the White House and is still owned by Kunsher’s brother-in-law’s investment firm, was approved for between $350,000 and $1 million
  • In addition, up to $2 million was approved for the Joseph Kushner Hebrew Academy, a nonprofit religious school in Livingston, N.J., that’s named for Jared Kushner’s grandfather and supported by the family.
In April, a bank approved a loan of between $150,000 and $350,000 for the Pennsylvania dental practice of Albert Hazzouri, who golfs with Trump and frequents Mar-a-Lago. In 2017, Hazzouri used his access to the president to pass him a policy proposal on club stationery on behalf of the American Dental Association. He addressed the note to Trump “Dear King.”
A firm that raises money for Trump’s re-election campaign and the Republican National Committee received a loan of more than $1 million, according to the data set, while a company that produces Trump’s political advertisements received between $350,000 and $1 million.
  • The New York Times does not identify these companies by name. I tried to figure out which companies they were referring to but could not be sure. We already knew that Phunware, a Trump re-election campaign data collector, received $2.85 million — nearly 14 times the PPP average of $206,000 (reported in April).
Billionaire property developer Joe Farrell, a prominent Republican fundraiser, received up to $1 million in taxpayer coronavirus relief funds. Farrell, a developer in New York's exclusive Hamptons beachfront community, has thrown fundraising parties for Trump… Farrell this year rented out his 17,000-square-foot, $40 million East End estate, Sandcastle, for close to $2 million to a wealthy Manhattan family trying to escape the coronavirus for six months.
Dozens of tenants at buildings owned by Trump or managed by his companies received funds… More than 20 businesses listed at 40 Wall Street, an office building that Trump has owned since the mid-1990s, also reportedly received government loans totaling at least $20 million. Among the recipients were law offices, financial service firms and nonprofit organizations.
Sushi Nakazawa, a restaurant at the Trump International Hotel in Washington, received a loan of between $150,000 and $350,000.
Churches connected to President Donald Trump and other organizations linked to current or former Trump evangelical advisers received at least $17.3 million in loans… City of Destiny, the Florida church that Trump’s personal pastor and White House faith adviser Paula White-Cain calls home, got between $150,000 and $350,000. First Baptist Dallas, led by Trump ally and senior pastor Robert Jeffress got between $2 million and $5 million. Other loan recipients included several churches and organizations connected to allies who joined Trump’s evangelical advisory board during his 2016 campaign.
A company with a name matching one listed on the 2017 financial disclosure of Education Secretary Betsy DeVos received at least $6 million.
Perdue Inc., a Bonaire, Georgia-based trucking company founded by Agriculture Secretary Sonny Perdue, received a PPP loan of between $150,000 and $350,000. An Agriculture Department spokesperson said the company is owned indirectly by a trust of which the secretary’s adult children are 99% stakeholders.
American Media, the publisher of the National Enquirer, received a loan in April from Bank of America Corp. of between $2 million and $5 million, records show. American Media is run by Trump’s longtime friend David Pecker. Furthermore, American Media is owned by Chatham Asset Management, a New Jersey-based hedge fund that oversees about $4 billion.
Cottage Hospital, a 25-bed critical access facility in Woodsville, New Hampshire, received between $2 million and $5 million in PPP loans. The hospital’s CEO, Maria Ryan, is a longtime close associate of Rudy Giuliani’s. Ryan currently co-hosts a talk radio show with Giuliani called “Uncovering the Truth.” Cottage Hospital’s annual revenues typically exceed $30 million, according to its most recent publicly available federal tax return. Ryan’s salary, the last filing shows, is nearly $300,000.

Congress and other political connections

Wineries partly owned by Rep. Nunes, R-Calif. Nunes listed on his 2018 public financial disclosure forms roles as a limited partner with investments in Phase 2 Cellars in San Luis Obispo, California, and Alpha Omega Winery in Saint Helena, California. The PPP data shows the wineries received loans of $1 million to $2 million.
KTAK Corp., a Tulsa-based operator of fast food franchises owned by Rep. Kevin Hern (R-Okla.), received between $1 million and $2 million. Hern had advocated increasing the size of loans available to franchisees, including in a March letter to Senate leaders Mitch McConnell (R-Ky.) and Charles E. Schumer (D-N.Y.).
Rep. Mike Kelly (R-Pa.) benefited when three of his car dealerships, located outside of Pittsburgh, received a combined total of between $450,000 and $1.05 million. Kelly is a multimillionaire.
Several plumbing businesses affiliated with Rep. Markwayne Mullin (R-Okla.), all based in Broken Arrow, Okla., each received between $350,000 and $1 million.
Rep. Rick Allen’s (R-Ga.) construction company in Augusta received between $350,000 and $1 million
EDI Associates, a company the husband of House Speaker Nancy Pelosi invests in, received between $350,000 and $1 million.
Rep. Nita Lowey’s (D-N.Y.) husband's law firm Lowey Dannenberg P.C. received a loan between $1 million and 2 million. Her husband, Stephen Lowey, is listed as chairman emeritus on the firm's website and is retired from the firm.
Lobbying and policy group Waxman Strategies, which is run by former Rep. Henry Waxman, D-Calif., and his son Michael, which received a loan of $350,000 to $1 million.
Before the release of the data Monday, three members of Congress said they or their spouses had received PPP loans: Rep. Roger Williams, R-Texas; Rep. Vicky Hartzler, R-Mo.; and Rep. Susie Lee, D-Nev.
An affiliate of Americans for Tax Reform, the influential conservative group that has been a vocal critic of government spending, received between $150,000 and $350,000. ATR founder Grover Norquist has criticized the unemployment insurance provision of the CARES Act, which he said “delays recovery,” and signed a letter urging lawmakers not to approve a second stimulus bill.
The Ayn Rand Institute, named for conservative philosopher Ayn Rand, received a loan of between $350,000 and $1 million, which it called “partial restitution for government-inflicted losses."
Citizens Against Government Waste, one of the country’s most prominent anti-government spending organizations and a frequent critic of the CARES Act, took between $150,000 and $350,000 in loans as well.

Other noteworthy recipients

More than 5,600 companies in the fossil fuel industry have taken a minimum of $3bn in coronavirus aid from the US federal government. The businesses include oil and gas drillers and coal mine operators, as well as refiners, pipeline companies, and firms that provide services to the industry.
Yeezy, which California business filings show is a holding company registered to Kanye West, received between $2 million and $5 million to support 106 jobs. West is estimated to be worth $1.3 billion.
Washington lobbying shops, high-priced law firms and special-interest groups also received big loans, according to the administration, the latest indication of how the government’s centerpiece effort to shore up mom-and-pop shops set off a race by organizations far afield from Main Street to secure federal money.
  • Wiley Rein, which has a large lobbying practice focusing on trade issues, received between $5 million and $10 million
  • Van Ness Feldman and Beveridge & Diamond, two law firms that focus on helping energy industry clients push their agendas in Washington, received loans between $2 million and $5 million
More than 100 law firms received loans ranging from $1 million to $10 million, the data showed. The list included well-known names like Boies Schiller Flexner, the high-priced law firm run by David Boies, which received between $5 million and $10 million.
A number of prominent private schools were listed as loan recipients, despite the controversy over whether such institutions should take the money. Some also have political connections in DC.
  • In New York City, St. Ann’s School took a loan valued between $5 million and $10 million.
  • Kent Place School, a private school in New Jersey, was reported to have received a loan worth between $1 million and $2 million.
  • Sidwell Friends, which has educated the children of presidents, received a loan worth between $5 million and $10 million.
  • Georgetown Preparatory School, which the Supreme Court justices Brett Kavanaugh and Neil Gorsuch attended, received a loan worth between $2 million and $5 million.

The more you know

Fair distribution? There was no apparent link between the amount of economic damage suffered by states and how successful the small businesses in them were at getting the loans from the program. North Dakota, South Dakota, Nebraska, and Kansas all saw loan approvals of at least 90 percent of their eligible small-business payroll, even though they rank among the least-affected states in terms of unemployment claims during the crisis.
Just a small fraction of the bailout. Keep in mind that the Paycheck Protection Program is just one part of the government’s bailout. There are other, bigger, bailout efforts that the federal government is not required to tell us about.
Here are some articles about the bigger business and financial sector bailouts:
  • ProPublica: How the Coronavirus Bailout Repeats 2008’s Mistakes: Huge Corporate Payoffs With Little Accountability
  • Brookings: What’s the Fed doing in response to the COVID-19 crisis? What more could it do?
  • NYT: How the Fed’s Magic Money Machine Will Turn $454 Billion Into $4 Trillion
submitted by rusticgorilla to Keep_Track [link] [comments]

since Lori and Chads friends and associates are media blitzing and there's so much speculation in this case I thought it a good time to read the facts according to LE in the probable cause warrant to arrest Lori Vallow again.

not guaranteeing my accuracy but i think i got it right, I skipped the first parts -the cover page and Lt Ron Ball qualifications. Here is Affidavit of probable cause filed 2 18 2020 - from:
https://coi.isc.idaho.gov/docs/case/CR33-20-0302/Affidavit%20of%20Probable%20Cause.pdf
cover page
Lt Ron Ball qualifications
  1. On the afternoon of November 25, 2019, the Rexburg Police Department (herein after RPD) was contacted by the Gilbert, Arizona Police Department about a missing child, herein after designated as J.V., (DOB:05-25-2012). J.V. is a 7-year—old boy with autism who was supposed to be living with his adoptive mother, Lori Norene Vallow, AKA Lori Norene Daybell (Herein after Lori Vallow or Lori.) J.V.’s grandmother, Kay Woodcock, had contacted the Gilbert Police Department about J.V for a welfare check.
  2. Lori Vallow also has a daughter, T.R. (DOB:09/24/2002). As described further in this affidavit, while RPD was investigating the disappearance of J.V., the investigation grew to include a search for T.R., who is also missing and has not been seen since September 8, 2019.
  3. I am aware that Lori Vallow moved to Rexburg with J.V. near the first week of September, 2019. I am aware that J.V. was enrolled for three weeks at Kennedy Elementary School in Rexburg, Idaho. I am further aware that he was seen by neighbors at and near his apartment in Rexburg. Through the investigation, RPD has learned that the last day J.V. was seen alive was on September 23,2019, at Kennedy Elementary School. On September 24, 2019 Lori Vallow informed the school that J.V. would no longer be attending Kennedy Elementary and that Lori would homeschool him. Kennedy Elementary has informed RPD that no other school has made requests for J.V.’s school transcripts.
  4. We have not been able to find any witnesses who have seen J.V. since September 24, 2019.
  5. I was familiar with Lori Vallow because the RPD had previously been contacted by the Gilbert, Arizona and Chandler, Arizona Police Departments who requested help to obtain search warrants for a vehicle in Lori’s possession. Said vehicle was related to a possible attempted murder of Lori’s niece’s ex-husband, Brandon Boudreaux in Arizona. I am aware that Detective Ray Hermosillo had also performed intermittent surveillance on Lori Vallow at the request of the Gilbert Police Department, starting on November 1, 2019. Detective Hermosillo reports that he never once saw J.V. when he was performing surveillance during the month of November, 2019.
  6. The vehicle mentioned in paragraph 6 of this Affidavit is a 2018, grey Jeep Wrangler, bearing Texas license plate no.LWD0997. Said vehicle is registered to Charles Vallow, who is the deceased husband of Lori Vallow.(Lori Vallow and Charles Vallow were in the process of getting a divorce when Charles Vallow died.) The Gilbert Police Department was interested in this vehicle because it had been identified in an attempted shooting of a Brandon Boudreaux in Gilbert Arizona on October 2,2019. Brandon had Previously been married to Lori Vallow’s niece, Melanie Boudreaux. At the time of his Attempted shooting, Brandon witnessed the Jeep (which he recognized as being the same vehicle that T.R. regularly drove.) Brandon observed a rifle with a silencer come out of the rear window of the Jeep and then Brandon’s vehicle was shot once in the front driver’s door frame. As Brandon drove away, the Jeep followed, but eventually turned a different direction. This same Jeep observed by Brandon was seized pursuant to a search warrant in November of 2019 in Rexburg, Idaho. It is significant that the vehicle T.R. reportedly regularly drove was still in Rexburg nearly two months after the last known sighting of T.R.
  7. I am aware, through contact with the Gilbert and Chandler Police Departments, that Lori’s husband, Charles Vallow, was shot on July ll, 2019, by Lori’s brother, Alex Cox. Lori Vallow is now married to Chad Daybell, from Fremont County, Idaho. Chad Daybell’s wife, Tammy Daybell, died in Fremont County, Idaho on October 19, 2019. I was informed that Chad and Lori married approximately two weeks after the death of Tammy Daybell. I later confirmed they were married on November 5, 2019, on the Island of Kauai in in Hawaii. Through our investigation, RPD discovered photographs of their wedding on a beach in Hawaii. Neither J.V. or T.R. are seen in any of those photographs.
  8. On November 26, 2019, Detective Hermosillo and Detective Hope from the RPD went to Lori’s home located at 565 Pioneer Road, #175, Rexburg, Idaho, to conduct a welfare check. Detectives Hermosillo and Hope met with Lori’s brother, Alex Cox, and Chad Daybell outside the residence. Chad acted as if he didn’t know Lori very well and stated he didn’t know her phone number. Alex told the detectives that J.V. was with his grandma, Kay Woodcock, in Louisiana, which was not likely to be true due to the fact that Kay was the individual who first called in a missing child report to the Gilbert Police Department. Alex said Lori maybe in apartment #107. Hermosillo and Hope went to apartment #107, but the apartment was completely empty and vacant. At this time, they called me and asked me to come to the premises to help search for J.V.
  9. Shortly after calling me, Detective Hermosillo called me again and indicated that he saw Chad Daybell driving a black Chevrolet Equinox away from the residence. Detective Hermosillo stopped Chad and asked him again if he had seen J.V. Chad responded that the last time he had seen J.V. was in apartment #107 in October. He also admitted he knew Lori Vallow’s phone number and provided it to Detective Hermosillo.
  10. On that same day, myself and Detective Stubbs of the RPD located and spoke with Lori Vallow in her apartment, #175. We identified omselves as RPD officers. Lori told us that J.V. was in Gilbert, Arizona with a friend named Melanie Gibb. We obtained Melanie’s phone number from Lori. We ended our contact with Lori and immediately attempted to call Melanie Gibb. We were unable to contact her.
  11. Because Detective Stubbs and I were unable to contact Melanie Gibb we immediately contacted Lori Vallow again and we requested that she call Melanie Gibb. At this time Lori told us that Melanie and J.V. were at the movie “Frozen2” so it was unlikely Melanie would answer the phone. We instructed Lori to call Melanie Gibb and have her call us so we could verify the location of J.V.
  12. By the evening of November 26,2019, we had still not heard from Melanie Gibb, so RPD informed Detective Ryan Pillar of the Gilbert Police Department of the information we had received regarding the children being withMelanie Gibb. I was informed later that evening around 9:30 p.m. that Gilbert Police went to the home of Melanie Gibb. Melanie was not home but Detective Pillar contacted her by phone and she stated that J.V. was not staying at her Arizona house and had not been there for several months.
  13. On December 6,2019, RPD was contacted by Melanie Gibb and informed that both Chad Daybell and Lori Vallow called Melanie on November 26,2019 at separate times and asked her to tell the police that she had J.V. even though J.V. was not with her. Melanie informed RPD that she declined Chad’s and Lori’s requests. This further establishes that the statement made to law enforcement by Lori Vallow on November 26, 2019 was false and that Lori Vallow knew it was false
l6. The statement Lori made to RPD about J.V. being with Melanie Gibb delayed the investigation into the whereabouts and safety of J.V. by requiring us to take time to investigate a lead that was verified as false.
l7. On November 27, 2019, RPD obtained search warrants to search:
l) Lori Vallow’s apartment, located at 565 Pioneer Road, #175, Rexburg,Idaho,
2) Melanie Boudreaux/Pawlowski’s (LoriVallow’s niece)apartment located at 565 Pioneer Road,#174, Rexburg, Idaho and
3) Alex Cox’s (Lori’s brother) apartment located at 565 Pioneer Road,#107,Rexburg,Idaho.(This apartment had nothing in it other than a couple of small items in its garage.
All three apartments are part of the same complex. J.V. was not located at any of the residences. It appeared to me that most of the clothing in Lori’s apartment had been removed. Other furniture was still inside the residence. RPD believed that she left Rexburg with Chad Daybell the night of November 26, 2019. Melanie Boudreaux later confirmed that Chad and Lori did leave Rexburg the night of the 26th.
  1. During the search of Lori Vallow’s apartment, we found evidence that J.V. was prescribed Risperidone in the form of a pill bottle labeled with J.V.’s name and the prescribed Risperidone.I have learned through research that Risperidone is a tranquilizer prescribed to treat irritability caused by autism. That prescription was filled for J.V. in January 2019 in Arizona. The Risperidone bottle still contained 17 pills. We have verified through the Idaho State Pharmacy Board that said prescription has not been filled in Idaho.
  2. On November 27, 2019 RPD also served a search warrant on Lori Vallow’s storage unit located at Self-Storage Plus in Rexburg, Idaho. Inside of the storage unit we found a blanket with pictures of J.V. on it, a blanket with pictures of T.R. on it, a backpack with J.V.’s initials on it,toys that appeared appropriate for a youngboy, winter clothing, other children’s clothing, bikes,a scooter and a photo album.
  3. RPD was further made aware that the credit/debit card Lori Vallow provided to Self-Storage Plus was declined on January 2 of 2020. The owner of Self- Storage Plus has reported to law enforcement that as regular operating procedure he has reached out to Lori Vallow by phone, text, and email but has not heard back from her. At this time, Lori Vallow has not attempted to provide another debit/credit card to Self Storage-Plus.
  4. Soon after we executed the search wanants to find J.V. at the apartments in Rexburg, Gilbert Police asked us if we had any record of a T.R.(DOB:09/24/2002), being in Rexburg. T.R. is Lori Vallow’s biological daughter from her marriage to Joseph Ryan, who is deceased.
  5. T.R. has a brother named Colby Ryan.I am aware that Gilbert Police Department has been in contact with Colby. Colby reports that the last time he spoke with T.R. was on August 30, 2019, via FaceTime. He informed Gilbert Police that when he tried to contact T.R. after August 30, 2019, Lori would give excuses as to why T.R. could not talk with him.
  6. Through our investigation, RPD has been informed that T.R. moved to Rexburg with Lori on or about September 1st or 2nd, 2019. We have been informed that Lori told Melanie Gibb that T.R. was attending classes at BYU-Idaho. However, a records check at BYU-I indicates that T.R. was never enrolled at BYU-Idaho or any other school affiliated with BYU.
  7. RPD verified Lori Vallow moved into the apartment located at 565 Pioneer Road, No.175 in Rexburg with T.R.and J.V.on or around September 1st or 2nd, 2019. This information was corroborated by Lori Vallow’s neighbors who lived in the same complex in the next-door apartment. They saw T.R. at or around the residence when she moved in with Lori. These same neighbors actually helped Lori Vallow move into her apartment. They saw T.R. briefly a couple of times afier she moved in but have not seen her since the first couple of weeks of September. Their son played with J.V. multiple times. These same neighbors have further informed us, through Detective Stubbs of the RPD, that one of their children went to Lori’s apartment sometime in late September to play with J.V.and the child was informed by Lori Vallow that J.V. was not there and that he had gone to stay with his grandma.
  8. Another neighbor of Lori Vallow, who lived directly across the courtyard from Lori at 565 Pioneer Road had a doorbell camera that recorded J.V. outside playing on September 17, 2019.
  9. Throughout our investigation,we were able to determine, through phone records, that T.R. accompanied Lori Vallow, Alex Cox, and J.V. on a day trip to Yellowstone National Park on September 8, 20l9. We have obtained a photograph of T.R. at the park entrance through the National Park Service. Also, through service of a search warrant RPD has obtained a photo from Lori Vallow’s iCloud account of T.R. in Yellowstone National Park that is time stamped on September 8, 2019. This photo is the last time we can find any record of T.R. being with Lori Vallow. We have found no witnesses who can verify they have seen T.R. since September 8, 2019.
  10. RPD has verified that Chad Daybell and Lori Vallow flew from the Los Angeles, California Airport to Kauai on American Airlines on December 1,2019. This information was obtained through a search warrant served on American Airlines. RPD cannot find any information suggesting they have returned to the mainland of the United States since that time and it appears they have been in Hawaii since they arrived on December 1,2019. Those same records establish that J.V. and T.R. were not with their mother Lori Vallow when she flew to Kauai.
  11. I am aware that Chad and Lori are currently living at 4141 Queen Emma Drive, Unit 3, Princeville, Kauai, Hawaii. I am in contact with the Kauai Police who are monitoring the condo in which Chad and Lori are staying. The children have not been sighted with Chad and Lori. Further, I am aware that on multiple occasions, Chad and Lori checked intothe Kauai Beach Resort and that no children checked in with them. That information was provided by an employee of the Resort.
  12. Detective Chad Cataluna,of the Kauai Police Department,has performed surveillance on Chad Daybell and Lori Vallow in Kauai. He has informed us that he has seen Lori Vallow with Chad Daybell at least three times since he was made aware that Chad and Lori were residing on Kauai. Detective Cataluna has informed us that not once has he seen J.V.and T.R.with Chad and Lori.
  13. On December 20, 2019, the Rexburg Police and the FBI published a press release announcing that J.V. and T.R. were missing, that RPD was looking for them, and asking for the public’s help in locating them.
    1. Since December 20, 2019, this case has received national media attention. Lori Vallow has refused to provide law enforcement with any information regarding the location of her childxen T.R. and J.V.
  14. Through this investigation RPD has learned that Lori Vallow used the website www.care.com to find a babysitter for J.V. Through service of a search warrant on www.care.com we were able to verify the identity of the babysitter who Lori Vallow hired to watch J.V. We contacted this babysitter and she informed us that she watched J.V. on the 19th of September. She had met Lori Vallow and J.V. the day before (September l8, 2019.) The babysitter understood that her employment was to be ongoing. The babysitter reports that on September 24, 2019 she reached out to Lori Vallow and Lori told her that J.V. had gone stay with his grandma for several weeks and that the babysitter’s services were no longer needed.
  15. On January l6, 2020, a Child Protection Action was filed by the State of Idaho in Madison County on behalf of J.V.and T.R. The case number is CV33-20-0045. The Court ordered Lori Vallow to produce J.V. and T.R. within 5 days of service of the order to the Rexburg Police Department or the Idaho Department of Health and Welfare in Rexburg. Lori Vallow was served that order on Saturday, January 25, 2020, by Detective Chad Cataluna of the Kauai Police Department. Lori did not produce the children within five days of being served and has not produced the children to this date.
  16. Other than any current orders in apending Child Protection Action in Madison County, Idaho, RPD has not found any court record or order establishing guardianship or parentage of T.R. with anyone other than Lori Vallow. There is a Final Decree of Adoption from the 14th Judicial District Court, Parish of Calcasieu, State of Louisiana establishing Charles and Lori Vallow as the adopted parents of J.V., dated July 25, 2014. Assuch, the only known living parent of J.V.and T.R. is Lori Vallow.
  17. On the dates between January 24, 2020 and January 29,2020,I was in Hawaii with Detective Hermosillo and the Kauai Police Department.I reviewed video of Lori Vallow being served with the Order in the child protection case, which was filmed by the Kauai Police Department. J.V. and T.R. werenot seen in the video. While wewere there,two FBI agents, Rory Johnson and Douglas McLand, assisted us in performing surveillance on Chad Daybell and Lori Vallow. On the morning of January 26, 2020, they observed Chad and Lori on a beach. J.V. and T.R. were not with them.
36.During the afternoon of January 26,2020, I observed the Kauai Police Department serve search warrants 0n the persons of Chad Daybell and Lori Vallow and on a black Ford Explorer they had rented. Said warrants were served on them in the parking lot of the Kauai Beach Resort. J.V.andT.R. were not with Lori and Chad. The following items were located in their possession:
a. birth certificates for T.R.and J.V.,
b. T.R.’s financial transaction card issued by BBVA,
c. J.V.’s iPad (identified by his initials on the back),
d. another iPad which was logged into J.V.’s Apple account,
e. J.V.’s school registration receipts from Kennedy Elementary in Rexburg Idaho.

  1. Through our investigation, RPD learned that T.R.’s BBVA financial transaction card which was found with Lori Vallow is still active and has been used since the last sighting of Tylee.
  2. On January 26,2020, after the search warrants were served on the persons and vehicle of Chad Daybell and Lori Vallow, a search warrant was served on the condominium located at 4141 Queen Emma Drive, Unit 3, Princeville, Kauai, Hawaii, where Chad and Lori were residing. I personally observed the Kauai Police perform the search. In the garage of the condominium, there were two beach/lawn chairs,two yoga/fitness mats, and two beach towels. There were no items in the garage that appeared to belong to a minor child. There was nothing found in the condominium that appeared to belong to T.R. or J.V. Further, there was nothing found in the condominium that would indicate that a seven year old boy had been there, such as children’s clothing, toys, children’s books, children’s medication, etc. There was a second room, other than the master bedroom,in the condominium. That second room had no signs of being lived in or otherwise occupied.
  3. Through this investigation RPD discovered that J.V. had a service dog for his autism. This dog was named Bailey and was trained by Dog Training Elite,AZ. On July 22nd she sent Dog Training Elite, Az an email asking about finding another family for Bailey due to a change in life circumstances. Dog Training Elite, AZ picked up the dog on August 30,2019.
  4. Through this investigation I interviewed Chad Daybell’s parents, Jack and Sheila Daybell, in Springville, Utah. They informed me that Chad and Lori told them in November that Lori Vallow was an “empty-nester.”
  5. Through this investigation RPD has interviewed Jason and Samantha Gwilliam. Samantha Gwilliam is the sister of the deceased Tammy Daybell. Jason and Samantha informed RPD that Chad told them that Lori had no juvenile children.
  6. On February 16, 2020,RPD received a tip from a named individual in Maui, Hawaii that Chad Daybell and Lori Vallow were renting car from the Hertz car rental at the Maui airport.The informant provided a picture of Chad and Lori. J.V.and T.R. were not with Chad and Lori in the picture.
  7. Throughout this investigation, RPD and the FBI have reviewed Lori Vallow’s bank and financial information. No information has been found which would suggest that Lori Vallow is providing money to anyone to care for J.V. and T.R.
  8. RPD has found no evidence or verification of anyone providing for the housing, food, clothing, education, or medical care of J.V. since September 24,2019 and T.R. since September 8,2019.
  9. As of the date of this afiidavit, J.V. and T.R. are still missing.
  10. Due to:
a. Lori Vallow is the legal parent and guardian of T.R.and J.V.
b. No body has seen or verifiably heard from T.R. since September 8,2019;
c. Nobody has seen or heard from J.V. since September 23, 2019;
d. Lori Vallow has verifiably been living on the Island of Kauai, Hawaii since the beginning of December 2019, with her new husband,Chad Daybell, and that not once have they been seen with J.V. or T.R.;
e. The condominium currently occupied by Chad Daybell and Lori Vallow contains no evidence that any person other than Chad and Lori is living there;
f. That medication prescribed to J.J. has not been refilled in the State of Idaho at a time when J.V. was verifiably with Lori Vallow;
g. T.R.’s financial transaction card was in the possession of Lori Vallow even though T.R. is not with Lori Vallow;
h. Lori Vallow and Chad Daybell have represented to Chad’s family that Lori has no juvenile children;
i. Lori Vallow claimed that she was going to homeschool J.V. but she is not with J.V. and no other educational facility has requested J.V.’s school records;
j. No verification of another caregiver for J.V. or T.R. has been found; and
k. That as of January 30, 2020, Lori Vallow failed to comply with a Court Order to produce the minor children to the Rexburg Idaho Police Department or the Idaho Department of Health and Welfare within five days of being served with an order to do so.
I believe probable cause exists that Lori Vallow has deserted T.R. and J.V., pursuant to Idaho Code l8-401(1), which states it shall be a felony for “Every person who: Having any child under the age of eighteen (18) years dependent upon him or her for care, education or support, deserts such child in any manner whatever,with intent to abandon it;”I further believe probable cause exists that Lori Vallow intentionally and willfully abandoned J.V. and T.R. pursuant to Idaho Code18-403 and 18-405
  1. Due to:
a. The fact that Lori Vallow provided verifiably false information to RPD by telling RPD that J.V.was located in Arizona with Melanie Gibb;
b. That said false information obstructed and delayed the investigation in to the location of J.V. by requiring RPD to investigate a false lead; and
c. That fact that Lori Vallow solicited Melanie Gibb to corroborate the false information Lori gave RPD.
I believe probable cause exists that Lori Vallow did resist, delay, or obstruct a public officer in the discharge or attempt to discharge a duty of his office, specifically Investigating a report of a missing child, pursuant to Idaho Code 18-705.
  1. Due to:
a. The fact that Lori Vallow did solicit or request Melanie Gibb to provide false information to RPD regarding the location of J.V., which would have further obstructed and or delayed RPD’s investigation;
I believe probable cause exists that Lori Vallow did commit the crime of Solicitation to Commit a Crime pursuant to Idaho Code18-2001.
  1. Due to:
a. The fact that Lori Vallow did refuse to obey a lawful order from the Court in case numberCV33-20-0045 by failing to produce J.V. and T.R. to the RPD or to the Idaho Department of Health and Welfare in Rexburg on January 30th, 2020;
I believe probable cause exists that Lori Vallow did violate Idaho Code 18-1801(4)
  1. Due to the following facts I believe that Lori Vallow is a flight risk:
a. Within the day of when we met with Lori Vallow on November 26, 2019 to ask about the whereabouts of the children, Lori Vallow had left the state and was in Hawaii within a week.
b. The charges being filed against Lori Vallow are serious. Two of the charges are felony abandonment of a child which carry up to 14 years in prison.
c. Lori Vallow has no significant ties to Madison County. She no longer has a home here and she has abandoned a significant amount of property here.
d. Lori Vallow has already displayed a willingness to disobey and ignore a court order by not producing J.V. and T.R. in Rexburg even though she was specifically ordered by the court to do so and had adequate time to do so.
e. Lori Vallow and Chad Daybell have significant financial resources. I am aware that Chad Daybell received at least $430,000.00 in life insurance proceeds upon the death of his wife Tammy. As such, Lori and Chad have resources sufficient to help them travel and hide from law enforcement and the Court.
  1. Based upon the above, I hereby request a Warrant be issued for the arrest of Lori Norene Vallow, AKA Lori Norene Daybell for:
a. two felony counts of desertion and non support of children, Idaho Code 18-401(1),
b. one misdemeanor count of resisting and obstructing officers, Idaho Code 18-705,
c. one misdemeanor count of criminal solicitation,Idaho Code 18-2001,
d. one misdemeanor count of criminal contempt, Idaho Code 18-1801(4)
  1. I respectfully request, based upon the above, that bond be set in this matter in the amount of five million dollars to secure Lori Vallow’s appearance in Court in Madison County, Idaho.’
Dated 18 February 2020
Signed: Lt. Ron Ball
same link to the affidavit that i got this from again
https://coi.isc.idaho.gov/docs/case/CR33-20-0302/Affidavit%20of%20Probable%20Cause.pdf

submitted by Sandy2065 to LoriVallow [link] [comments]

Am I naive by paying US/CA based taxes as an international digital nomad living outside of the US? Help me optimize!

Hello community,
I started living a digital nomad life style earlier this year driven by a family health event that required me to resign from a full time job for care taking and leave my home in the USA, Los Angeles.
Facts about me:
Tax status:
Outlook:
Misc:
Questions:
TIA for your help!
submitted by kodridrocl to digitalnomad [link] [comments]

Lori Vallow Probable Cause Affidavit - February 18 2020

I, Detective Ron Ball of the Rexburg Police Department, being first duly sworn under oath, depose and state as follows:
  1. The information herein is true and correct to the best of my knowledge and belief.
  2. I am a detective with the Rexburg Police Department and have been employed in Law Enforcement for more than 27 years. I am currently the lieutenant over investigations for the Rexburg Police Department. I currently hold an Advanced Certificate and Management Certificate from the Idaho Peace Officers Standards and Training Academy and have over 2500 hours of training. I have attended multiple trainings and classes throughout my career, including graduating from the FBI National Academy in 2015. I have received multiple hours of specialized training in investigations. have also conducted numerous investigations and interviews with suspects, Victims and witnesses involving narcotics, sex crimes and fraud. have also received numerous hours of training on traffic stops and detection of criminal behavior.
  3. On the afternoon of November 25, 2019, the Rexburg Police Department (hereinafter RPD) was contacted by the Gilbert, Arizona Police Department about a missing child, hereinafter designated J.V., (DOB; 05-25-2012). JV is a 7-year-old boy with autism who was supposed to be living with his adoptive mother, Lori Norene Vallow AKA Lori Norene Daybell (hereinafter Lori Vallow or Lori.) J.V.’s grandmother, Kay Woodcock, had contacted the Gilbert Police Department about J.V. for a welfare check.
  4. Lori Vallow also has a daughter, T.R. (DOB: 9/24/2002). As described further in this affidavit, while RPD was investigation the disappearance of J.V., the investigation grew to include a search for T.R., who is also missing and has not been seen since September 8, 2019.
  5. I am aware that Lori Vallow moved to Rexburg with J.V. near the first week of September 2019. I am aware that J.V. was enrolled for three weeks at Kennedy Elementary School in Rexburg, Idaho. I am further aware that he was seen by neighbors at and near his apartment in Rexburg. Through the investigation, RPD has learned that the last day J.V. was seen alive was on September 23, 2019 at Kennedy Elementary School. On September 24, 2019, Lori Vallow informed the school that J.V. would no longer be attending Kennedy Elementary and that Lori would homeschool him. Kennedy Elementary School has informed RPD that no other school has made requests for J.V.’s transcripts.
  6. We have not been able to find any witnesses who have seen J.V. since September 24 2019.
  7. I was familiar with Lori Vallow because RPD had previously been contacted by the Gilbert, Arizona and Chandler, Arizona Police Departments who requested help to obtain search warrants for a vehicle in Lori’s possession. Said vehicle was related to a possible attempted murder of Lori’s niece’s ex-husband, Brandon Boudreaux in Arizona. I am aware that Detective Ray Hermosillo had also performed intermittent surveillance on Lori Vallow at the request of the Gilbert Police Department, starting on November 1, 2019. Detective Hermosillo reports that he never once saw J.V. when he was performing surveillance during the month of November, 2019.
  8. The vehicle mentioned in paragraph 6 of this Affidavit is 2018, grey Jeep Wrangler, bearing Texas license plate no, LDW0997. Said vehicle registered to Charles Vallow, who is the deceased husband of Lori Vallow. (Lori Vallow and Charles Vaflow were in the process of getting a divorce when Charles Vallow died.) The Gilbert Police Department was interested in this vehicle because it had been identified in an attempted shooting of a Brandon Boudreaux in Gilbert Arizona on October 2, 2019. Brandon had previously been married to Lori Vallow’s niece, Melanie Boudreaux. At the time of his attempted shooting Brandon witnessed the Jeep (Which he recognized as being the same vehicle that T.R. regularly drove.) Brandon observed a rifle with a silencer comc out of the rear window of the Jeep and then Brandon’s vehicle was shot once in the front driver’s door frame. As Brandon drove away, the Jeep followed, but eventually turned a different direction. This same Jeep observed by Brandon was seized pursuant to a search warrant in November of 2019 in Rexburg, Idaho. It is significant that 'the vehicle' T.R. reportedly regularly drove was still in Rexburg nearly 2 months after the last known sighting of T.R.
  9. I am aware, through contact with the Gilbert and Chandler Police Departments, that Lori’s husband, Charles Vallow, was shot on July 11 2019 by Lori’s brother Alex Cox. Lori Vallow is now married to Chad Daybell from Fremont County, Idaho. Chad Daybell’s wife, Tammy Daybell, died in Fremont County, Idaho on October 19, 2019. I was informed that Chad and Lori married approximately two weeks after the death of Tammy Daybell. I later confirmed they were married on November 5, 2019 on the Island of Kauai in Hawaii. Through our investigation, RPB discovered photographs of their wedding on a beach in Hawaii. Neither J.V. or T.R. are seen in any of these photographs.
  10. On November 26, 2019, Detective Hermosillo and Detective Hope from the RPD went to Lori’s home located at 565 Pioneer Road, #175, Rexburg, Idaho, to conduct a welfare check. Detectives Hermosillo and Hope met with Lori’s brother, Alex Cox, and Chad Daybell outside the residence. Chad acted as if he didn’t know Lori very well and stated he didn’t know her phone number. Alex told the detectives that J.V. was with his grandma, Kay Woodcock, in Louisiana, which was not likely to be true due to the fact that Kay was the individual who first called in a missing child report to the Gilbert Police Department. Alex said Lori may be in apartment #107. Hermosillo and Hope went to apartment #107, but the apartment was completely empty and vacant. At this time, they called me and asked me to come to the premises to help search for J.V.
  11. Shortly after calling me, Detective Hermosillo called me again and indicated that he saw Chad Daybell driving black Chevrolet Equinox away from the residence. Detective Hermosillo stopped Chad and asked him again if he had seen J.V. Chad responded that the last time he had seen J.V. was in apartment #107 in October. He also admitted he knew Lori Vallow’s phone number and provided it to Detective Hermosillo.
  12. On that same day, myself and Detective Stubbs of the RPD located and spoke with Lori Vallow in her apartment, #175. We identified ourselves as RPD officers. Lori told us that J.V. was in Gilbert, Arizona with a friend named Melanie Gibb. We obtained Melanie’s phone number from Lori. We ended our contact with Lori and immediately attempted to call Melanie Gibb. We were unable to contact her.
  13. Because Detective Stubbs and I were unable to contact Melanie Gibb we immediately contacted Lori Vallow again and we requested that she call Melanie Gibb. At this time Lori told us that Melanie and J.V. were at the movie “Frozen 2” so it was unlikely Melanie would answer the phone. We instructed Lori to call Melanie Gibb and have her call us so we could verify the location of J.V.
  14. By the evening of November 26, 2019, we had still not heard from Melanie Gibb, so RPD informed Detective Ryan Pillar of the Gilbert Police Department of the information we had received regarding the Children being with Melanie Gibb. I was informed later that evening around 9:30 pm that Gilbert Police went to the home of Melanie Gibb. Melanie was not home but Defective Pillar contacted her by phone and she stated that J.V. was not staying at her Arizona house and had not been there for several months.
  15. On December 6, 2019, RPD was contacted by Melanie Gibb and informed that both Chad Daybell and Lori Vallow called Melanie on November 26, 2019 at separate times and asked her to tell the police that she had J.V. even though J.V. was not with her. Melanie informed RPD that she declined Chad’s and Lori’s requests. This further establishes that the statement made to law enforcement by Lori Vallow on November 26, 2019 was false and that Lori Vallow knew it was false.
  16. The statement Lori made to RPD about J.V. being with Melanie Gibb delayed the investigation into the whereabouts and safety of J.V. by requiring us to take time to investigate a lead that was verified as false.
  17. On November 27, 2019, RPD obtained search warrants to watch:
    1. "Lori Vallow’s’ apartment, located at 565 Pioneer Road, #175, Rexburg, Idaho,
    2. Melanie Boudreaux/Pawlowski (Lori Vallow’s niece). apartment located at 565 Pioneer Road, #174, Rexburg, Idaho and
    3. Alex Cox’s (Lori’s brother) apartment located at 565 Pioneer Road, #107, Rexburg, Idaho. (This apartment had nothing in it other than a couple of small items in its garage.)
All three apartments are part of the same complex. J.V. was not located at any of the residences. It appeared to me that most of the clothing in Lori’s apartment had been removed. Other furniture was still inside the residence. RPD believed that she left Rexburg with Chad Daybell the night of November 26, 2019. Melanie Boudreaux later confirmed that Chad and Lori did leave Rexburg the night of the 26th.
  1. During the search of Lori Vallow’s apartment, we found evidence that J.V. was prescribed Risperidone in the form of a pill bottle labeled with J.V.’s name and the prescribed Risperidone. I have learned through research that Risperidone is a tranquilizer prescribed to treat irritability caused by autism. That prescription was filled for J.V. in January 2019 in Arizona. The Risperidone bottle still contained 17 pills. We have verified through the Idaho State Pharmacy Board that said prescription has not been filled in Idaho.
  2. On November 27, 2019 RPD also served a search warrant on Lori Vallow’s storage unit located at Self-Storage Plus in Rexburg, Idaho. Inside of the storage unit we found a blanket with pictures of J.V. on it, a blanket with pictures of T.R. on it, a backpack with J.V.’s initials on it, toys that appeared appropriate for a young boy, winter clothing, other children’s clothing, bikes, a scooter and a photo album.
  3. RPD was made aware that the credit/debit card Lori Vallow provided to Storage Plus was declined on January 2 2020. The owner of Self-Storage Plus has reported to law enforcement that as regular operating procedure he has reached out to Lori Vallow by phone, text, and email but has not heard back from her. At this time, Lori Vallow has not attempted to provide another debit/credit card to Self Storage-Plus.
  4. Soon after we executed the search warrants to find J.V. at the apartments in Rexburg, Gilbert Police asked us if we had any record of T.R. (DOB: 09/24/2002), being in RexBurg. T.R. is Lori Vallow’s biological daughter from her marriage to Joseph Ryan, who is deceased.
  5. T.R. has a brother named Colby Ryan. I am aware that Gilbert Police Department has been in contact with Colby. Colby reports that the last time he spoke with T.R. was on August 30, 2019, via FaceTime. He informed Gilbert Police that when he tried to contact T.R. after August 30, 2019, Lori would give excuses as to why T.R. could not talk with him.
  6. Through our investigation, RPD has been informed that T.R. moved to Rexburg with Lori on or about September 1st or 2nd, 2019. We have been informed that Lori told Melanie Gibb that T.R. was attending classes at BYU-Idaho. However a records check at BYU-I indicated that T.R. was never at BYU-Idaho or any other school affiliated with BYU.
  7. RPD verified Lori Vallow moved into the apartment located at 565 Pioneer Road, No. 175 in Rexburg with T.R. and J.V. on or around September lst or 2nd, 2019. This information was corroborated by Lori Vallow’s neighbors who lived in the same complex in the next door apartment. They saw T.R. at or around the residence when she moved in with Lori. The same neighbors actually helped Lori Vallow move into her apartment. They saw T.R. briefly a couple of times after she moved in but have not seen her since the first couple of weeks of September. Their son played with J.V. multiple times. These same neighbors have further informed us, through Detective Stubbs of the RPD, that one of their children went to Lori’s apartment sometime in late September to play with J.V. and the child was informed by Lori Vallow that J.V. was not there and that he had gone to stay with his grandma.
  8. Another neighbor of Lori Vallow, who lived directly across the courtyard from Lori at 565 Pioneer Road had a doorbell camera that recorded J.V. outside playing on September 17, 2019.
  9. Throughout our investigation, we were able to determine, through phone records, that T.R. accompanied Lori Vallow, Alex Cox, and J.V. on a day trip to Yellowstone National Park on September 8, 2019. We have obtained a photograph of T.R. at the park entrance through the National Park Service. Also, through service of a search warrant RPD has obtained a photo from Lori Vallow’s iCloud account of T.R. in Yellowstone National Park that is time stamped on September 8, 2019. This photo is the last time we can find any record of T.R. being with Lori Vallow. We have found no witnesses who can verify they have seen T.R. since September 8, 2019.
  10. RPD has verified that Chad Daybell and Lori Vallow flew from the Los Angeles, California Airport to Kauai on American Airlines on December 1, 2019. This information was obtained through a search warrant served on American Airlines. RPD cannot find any information suggesting they have returned to the mainland of the United States since that time and it appears they have been in Hawaii since they arrived on December 1, 2019. Those same records establish that J.V. and T.R. were not with their mother Lori Vallow when she flew to Kauai.
  11. I am aware that Chad and Lori are currently living at 4141 Queen Emma Drive, Unit 3, Princeville, Kauai, Hawaii. I am in contact with the Kauai Police who are monitoring the condo in which Chad and Lori are staying. The children have not been sighted with Chad and Lori. Further, I am aware that on multiple occasions, Chad and Lori checked into the Kauai Beach Resort and that no children checked in with them. That information was provided by an employee of the Resort.
  12. Detective Chad Cataluna, of the Kauai Police Department, has perfonned surveillance on Chad Daybell and Lori Vallow in Kauai. He has informed us that he had seen Lori Vallow with Chad Daybell at least three times since he was made aware that Chad and Lori were residing on Kauai. Detective Cataluna has informed me that not once has he seen J.V. and T.R. with Chad and Lori.
  13. On December 20, 2019, the Rexburg Police and the FBI published a press release announcing that J.V. and T.R. were, missing, that RPD was looking for them, and asking for the public’s help in locating them.
  14. Since December 20, 2019, this case has received national media attention. Lori Vallow has refused to provide law enforcement with any information regarding the location of her children T.R and J.V.
  15. Through this investigation RPD has learned that Lori Vallow used the website www.care.com to find a babysitter for J.V. Through service of a search warrant on www.care.com we were able to verify the identity of the babysitter who Lori Vallow hired to watch J.V. We contacted this babysitter and she informed us that she watched J.V. on the 19th of September. She had met Lori Vallow and J.V. the day before (September 18, 2019.) The babysitter understood that her employment was to be ongoing. The babysitter reports that on September 24, 2019 she reached out to Lori Vallow and Lori told her that J.V. had gone to stay with his grandma for several weeks and that the babysitter’s services were no longer needed.
  16. On January 16, 2020, a Child Protection Action was filed by the State of Idaho in Madison County on behalf of J.V. and T.R. The case number is CV33-20-0045. The Court ordered Lori Vallow to produce J.V. and T.R. within 5 days of service of the order to the Rexburg Police Department or the Idaho Department of Health and Welfare in Rexburg. Lori Vallow was served that order on Saturday, January 25, 2020, by Detective Chad Cataluna of the Kauai Police Department. Lori did not produce the children within five days of being served and has not produced the children to this date.
  17. Other than any current orders in a pending Child Protection Action in Madison County, Idaho, RPD has not found any further record or order establishing guardianship or parentage of T.R. with anyone other than Lori Vallow. There is a Final Decree of Adoption from the 14th Judicial District Court, Parish Of Calcasieu, State of Louisiana, establishing Charles and Lori Vallow as the adopted parents of J.V., dated July 25, 2014. As such, the only known living parent of J.V. and T.R. is Lori Vallow.
  18. On the dates between January 24, 2020 and January 29, 2020, I was in Hawaii with Detective Hermosillo and the Kauai Police Department. I reviewed video of Lori Vallow being served with the Order in the child protection case, which was filmed by the Kauai Police Department. J.V. and T.R. were not seen in the video. While we were there, two FBI agents, Rory Johnson and Douglas McLand, assisted us in performing surveillance on Chad Dayb3ll and Lori Vallow. On the morning of January 26, 2020, they observed Chad and Lori on a beach. J.V. and T.R. were not with them.
  19. During the afternoon of January 26, 2020, I observed the Kauai Police Department serve search warrants on the persons of Chad Daybell and Lori Vallow and on a black Ford Explorer they had rented. Said warrants were served on them in the parking lot of the Kauai Beach Resort. J.V. and T.R. were not with Lori and Chad. The following items were located in their possession:
  20. birth certificates for TR. and J.V.,
  21. T.R.’s financial transaction card issued by BBVA.
  22. J.V.’s iPad (identified by his initials on the back),
  23. another iPad which was logged into J.V.’s Apple account,
  24. J.V.’s school registration receipts from Kennedy Elementary in Rexburg Idaho.
  25. Through our investigation, RPD learned that T.R.’s BBVA financial transaction card which was found with Lori Vallow is still active and has been used since the last sighting of Tylee.
  26. On January 26, 2020, after the search warrants were served on the persons and vehicle of Chad Daybell and Lori Vallow, a search warrant was served on the condominium located at 4141 Queen Emma Drive; Unit 3, Princeville, Kauai, Hawaii, where Chad and Lori were residing. I personally observed the Kauai Police department perform the search. In the garage of the condominium, there were two beach/lawn chairs, two yoga/fitness mats, and two beach towels. There were no items in the garage that appeared to belong to a minor child. There Was nothing found in the condominium that appealed to belong to T.R. or J.V. Further, there was nothing found in the condominium that would indicate that as even year old boy had been there, such as children’s clothing, toys, children's books, children’s medication, etc. There was a second room, other than the master bedroom, in the condominium. That second room had no signs of being lived in or otherwise occupied.
  27. During this investigation RPD discovered that J.V. had a service dog for his autism. This dog was named Bailey and was trained by Dog Training Elite, AZ. On July 22nd she sent Dog Training Elite, AZ an email asking about finding another home for Bailey due to a change in life circumstances. Dog Training Elite, AZ picked up the dog on August 30, 2019.
  28. Through this investigation I interviewed Chad Daybell’s parents, Jack and Sheila Daybell, in Springville, Utah. They informed me that Chad and Lori told them in November that Lori Vallow was an “empty-nester.”
  29. Through this investigation RPD has interviewed Jason and Samantha Gwilliam. Samantha Gwilliam is the sister of the deceased Tamara Daybell. Jason and Samantha informed RPD that Chad told them that Lori had no juvenile children.
  30. On February 16, 2020, RPD received a tip from a named individual in Maui, Hawaii that Chad and Lori Vallow were renting a car from the Hertz at the airport. The informant provided a picture of Chad and Lori. J.V. and T.R. were not with Chad and Lori in the picture.
  31. Throughout this investigation, RPD and the FBI have reviewed Lori Vallow’s bank and financial information. No information has been found which would suggest that Lori Vallow is providing money to anyone to care for J.V. and T.R.
  32. RPD has found no evidence or verification of anyone providing for the housing, food, clothing, educating, or medical care of J.V. since September 24, 2019 and T.R. since September 8, 2019.
  33. As of the date of this affidavit, J.V. and T.R. are still missing.
  34. Due to:
  35. Lori Vallow is the legal parent and guardian of T.R. and J.V.
  36. Nobody has seen or verifiably heard from T.R. since September 8, 2019;
  37. Nobody has seen or heard from J.V. since September 23, 2019;
  38. Lori Vallow has verifiably been living on the Island of Kauai Hawaii since the beginning of December 2019 with her new husband, Chad Daybell, and that not once have they been seen with J.V or T.R;
  39. The condominium currently occupied by Chad Daybell and Lori Vallow contains no evidence that any person other than Chad and Lori is living there;
  40. That medication prescribed to J.V. has not been refilled in the State of Idaho at a time when J.V. was verifiably with Lori Vallow.
  41. T.R.’s financial transaction card was in the possession of Lori Vallow even though T.R. is not with Lori Vallow;
  42. Lori Vallow and Chad Daybell have represented to Chad’s family that Lori has no juvenile children;
  43. Lori Vallow claimed that she was going to homeschool J.V. but she is not with J.V. and no other educational facility has requested J.V.’s school records;
  44. No verification of another caregiver for J.V. or TR. has been found; and
  45. k. That as of January 30, 2020, Lori Vallow failed to comply with a Court Order to produce the minor children to the Rexburg Idaho Police Department or the Idaho Department of Health and Welfare within five days of being served with an order to do so.
I believe probable cause exists that Lori Vallow has deserted T.R and J.V., pursuant to Idaho Code 18-401(1), which states it shall be a felony for “Every person who: Having any child under the age of eighteen (18) years dependent upon him or her for care, education or support, deserts such child in any manner whatever, with intent to abandon it;” I further believe probable cause exists that Lori Vallow intentionally and willfully abandoned J.V. and T.R. pursuant to Idaho Code 18-403 and 18-405.
  1. Due to:
  2. The fact that Lori provided verifiably false information to RPD by telling RPD J.V. was located in Arizona with Melanie Gibb;
  3. That said false information obstructed and delayed the investigation into the location of J.V. by requiring RPD to investigate a false lead, and
  4. That fact that Lori Vallow solicited Melanie Gibb to corroborate the false information Lori gave RPD;
I believe probable cause exists that Lori Vallow did resist, delay, or obstruct a public officer in the discharge or attempt to discharge duty of his office, specifically investigating a report of a missing child, pursuant to Idaho Code 187-705.
  1. Due to:
a. The fact that Lori Vallow did solicit or request Melanie Gibb to provide false information to RPD regarding the location of J.V., which would have further obstructed and or delayed RPD’s investigation;
I believe probable cause exists that Lori Vallow did commit the crime of Solicitation to Commit a Crime pursuant to Idaho Code 18-2001.
  1. Due to:
  2. The fact that Lori Vallow did refuse to obey a lawful order from the Court in case number CV33-20-0045 by failing to produce J.V. and T.R. to the RPD or to the Idaho Department of Health and Welfare in Rexburg on January 30th, 2020;
I believe probable cause exists that Lori Vallow did violate Idaho Code 38-1801 (4).
  1. Due to the following facts I believe that Lori Vallow is a flight risk:
a. Within the day of when we met with Lori Vallow on November 26, 2019 to ask about the whereabouts of the children, Lori Vallow had left the state and was in Hawaii within a week,
  1. The charges being filed against Lori Vallow are serious. Two of the charges are felony abandonment of a child which carry up to 14 years in prison.
  2. Lori Vallow has no significant ties to Madison County. She no longer has a home here and she has abandoned a significant amount of property here.
  3. Lori Vallow has already displayed a willingness to disobey and ignore court order by not producing J.V. and T.R. in Rexburg even though she was specifically ordered by the court to do so and had adequate time to do so.
  4. Lori Vallow and Chad Daybell have significant financial resources. I am aware that Chad Daybell received at least $430,000 in life insurance proceeds upon the death of his wife Tammy. As such, Lori and Chad have resources sufficient to help them travel and hide from law enforcement and the Court.
  5. Based upon the above, I hereby request a warrant be issued for the arrest of Lori Norene Vallow, AKA Lori Norene Daybell for:
  6. two felony counts of desertion and nonsupport of children, Idaho Code 18-401(1)
  7. one misdemeanor count of resisting and obstructing officers, Idaho Code 18-705,
  8. one misdemeanor count of criminal solicitation, Idaho Code 18-2001,
  9. one misdemeanor count of criminal contempt, Idaho Code 18-1801(4).
  10. I respectfully request, based upon the above, that the bond be set in this matter in the amount of five million dollars to secure Lori Vallow’s appearance in Court in Madison County, Idaho.
Further your affiant sayeth not,
DATED this 18 day of February, 2020
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6 Ways Your Employer Can Contribute to Your Financial Wellness - SoFi Blog

Latest from the SoFi Blog
by SoFi
July 17, 2020 at 12:36PM
To help employees gain better control over their finances, more and more employers are offering financial wellness benefits as part of their compensation packages. The number of employers that offer financial wellness programs through the workplace is expected to nearly double within the next few years, according to research from Massachusetts Mutual Life Insurance Company .
So, while employers continue to implement financial wellness programs, what does this mean for you? In this post, we’ll define financial wellness and the important role it plays in the workplace as well as breakdown some of the benefits you can expect to see from employers and how to use them to your advantage.
We’ve also added some suggestions submitted by our Twitter followers participating in SoFi’s #MoneyMonday sweepstakes prompt “What additional benefit would you like your employer to offer?”

What is Financial Wellness?

Financial wellness is balancing your current financial well-being and tackling daily tasks while preparing for a secure financial future. This includes addressing behaviors that promote positive financial decision-making as well as identifying those that might negatively impact an employee’s financial situation.
Since financial goals and priorities will change throughout an employee’s life, it’s important to grasp the concept of money management and to adapt when goals and objectives change.

Employers Have a Big Impact on Financial Wellness

Finances touch every aspect of employees’ financial lives. Employees who are more in control of their finances may be more productive and focused in the workplace.
Employers who understand the importance of financial wellness can provide personal workplace benefits, tips for improving your financial health, and offer access to guidance that will help improve employees’ financial lives at large.

Financial Wellness Benefits Offerings

Employers offer a variety of benefits that help employees’ financial lives in a myriad of ways. Here are some of the benefits offerings you may encounter as part of a financial wellness program in the workplace.

A 401(k) Match

The most popular benefit our Twitter followers said they’d like to see offered by their employer was some sort of 401k benefit.
“DEFINITELY a 401k match program !!!” – Cliff P.
“I would love employer matches on 401K contributions!” – Carey C.
According to the IRS , “A 401k is a feature of a qualified defined contribution plan that allows employees to contribute a portion of their wages to individual accounts.”
Essentially, employees and employers can contribute to a retirement savings account sponsored by the employer.
Although 401(k) plans make it simple for employees to start saving for retirement, some companies will match contributions up to a certain amount to give employees an extra retirement-savings boost.
A 401(k) or similar employer-sponsored retirement plan can be a powerful resource for building a secure retirement—and an employer match can add a substantial amount to an employee’s nest egg.”
For example, if your employer matches your contributions dollar-for-dollar up to three percent of your salary, your savings may double if you take full advantage. Assuming the investment in the account doesn’t increase, if you set aside $42,000 by the time you retire, you will have set aside $84,000. The extra $42,000 is essentially free money.

Financial Planning Education

Financial planning education is one of the top financial well-being initiatives that many companies offer. From helping employees select the right investments for their 401(k)s to providing a platform to help employees manage their day-to-day expenses, companies may offer a wide range of tools, resources, and services to help employees manage their money.
While receiving a 401(k) match or additional financial support is great, it may not be as useful as gaining the knowledge of how to manage your money. Taking advantage of a financial planning education benefit may help you navigate your finances for years to come.
Here’s what some of our Twitter followers suggested they’d like to see added to their benefits package:
“Financial wellness classes for all employees.” – Patrice
“Seminars on retirement plans.” – Karen B.

Funds for Emergencies

For employees who need to pay for emergency expenses such as damages due to a car accident or home repair, employers may offer employee relief or compassion funds. Some employers are matching contributions to an employee’s personal account, offering payroll advances, and short-term loans that can be repaid through payroll deduction.
Offering these programs may make it less likely for employees to tap into their retirement savings if they have cash reserves or assistance accessible. Therefore, employees can shift their focus to long-term savings and retirement planning.
Here’s one idea from a follower on Twitter:
“Right now a good benefit would be unemployment insurance through the workplace so we could fund our own emergencies…” – Billy

Healthcare Savings Accounts

Overall healthcare costs — including all private and public spending — are anticipated to rise by an average of 5.5 percent per year over the next decade — growing from $3.5 trillion in 2017 to $6 trillion by 2027 .
As healthcare costs continue to rise, many employees may feel the financial weight of affording medical expenses. While many employees may not consider healthcare a financial wellness benefit, employers who offer support can ease the financial burden of healthcare costs now and in the future.
Some employers offer a Health Savings Account (HSA) in conjunction with high-deductible health insurance plans. An HSA is a tax-advantaged account that helps employees prepare to pay for healthcare costs such as doctors’ visits or prescriptions. HSAs have several other benefits including:
• Pre-tax contributions, potential gains, and withdrawals can be used for qualified medical expenses and are exempt from taxation.
• The unused balance car carries over into the next year.
• Fund in HSA accounts can be invested which may provide long-term growth potential to afford future healthcare costs.
• The funds in the account never expire and will pass to a beneficiary upon the account holder’s passing.
While employers are not required to offer a high-deductible health insurance plan in conjunction with an HSA, many employers do offer this benefit. If your employer does, it’s wise to explore how an HSA may be beneficial to your financial wellness.

Caregiving Assistance

Nearly half of employees perform some type of caregiving activities.
That’s why Twitter follower Maddy claims she’d love to see a “daycare/preschool assistant” added to her employer’s benefit package.
Caregiving tasks such as taking someone to a medical appointment, buying groceries, preparing meals, or paying bills can take a financial toll on many employees. Caregiving can also impact productivity and workplace performance.
Therefore, employers who offer caregiving benefits may lessen the financial and time demands that caregiving requires. Some benefits may include:
• Sick days or paid leave to care for a loved one
• Flexible schedule to accommodate caregiving needs
• Work from home flexibility
So, whether you’re caring for a child or an aging parent, ask your employer about the benefits they offer to help with your caregiving needs.

Student Loan Repayment

The latest student loan debt statistics for 2020 show how serious the student loan debt crisis has become for borrowers across all demographics and age groups. There are 45 million borrowers who collectively owe nearly $1.6 trillion in student loan debt in the U.S. Student loan debt is now the second highest consumer debt category – behind only mortgage debt – and higher than both credit cards and auto loans.
With so many Americans paying off student debt, some employers are offering an employer student loan repayment program to help with repayment. From increasing compensation to account for current debt payments or matching payments up to a certain amount, employers are implementing strategies that are helping their employees eliminate their debt.
Here’s what one of our followers on Twitter had to say:
“One benefit my employer could offer is a percentage each month towards my student loans. Fingers crossed it happens in the near future!” – Betty
If you’re repaying your student loans and your employer offers a student loan repayment benefit, it can really help with the most burdensome student loan payments.

Other Offerings

If your company doesn’t offer some sort of financial wellness benefit, they may provide other incentives such as annual raise opportunities, referral bonuses, or professional development training.
If your options are limited, you may want to speak with your employer to determine if they are willing to offer any of these benefits to improve your financial well-being.

Taking Advantage of Financial Wellness Benefit at Work

Whether you’re looking for a new job or you have worked in your position for years, it’s important to understand all benefits an employer offers. Sometimes even if you have worked at an organization for years, you might not be aware of all of the financial wellness benefits available.
Taking full advantage of all benefits offered may help improve your financial well-being and future financial security.
But, keep in mind, your employer’s financial wellness benefits may not be the only solution available. In the instance your employer doesn’t offer help repaying your student loans, you may want to consider student loan refinancing as a way to deal with student loan debt.
Student loan refinancing is when you consolidate your student loans with a private lender and receive new rates and terms. While the exact process can vary by lender, the general idea is that a borrower consolidates their existing student loan debt with a new loan, and qualifying borrowers might be able to secure a lower interest rate. It is important to note that if you do choose to refinance your federal student loans, you forfeit your ability to qualify for federal benefits.
Borrowers interested in refinancing their student loans may want to consider SoFi. You can check your rates in just two minutes.
Learn More
SoFi Student Loan Refinance
IF YOU ARE LOOKING TO REFINANCE FEDERAL STUDENT LOANS PLEASE BE AWARE OF RECENT LEGISLATIVE CHANGES THAT HAVE SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS AND WAIVED INTEREST CHARGES ON FEDERALLY HELD LOANS UNTIL THE END OF SEPTEMBER DUE TO COVID-19. PLEASE CAREFULLY CONSIDER THESE CHANGES BEFORE REFINANCING FEDERALLY HELD LOANS WITH SOFI, SINCE IN DOING SO YOU WILL NO LONGER QUALIFY FOR THE FEDERAL LOAN PAYMENT SUSPENSION, INTEREST WAIVER, OR ANY OTHER CURRENT OR FUTURE BENEFITS APPLICABLE TO FEDERAL LOANS. CLICK HERE FOR MORE INFORMATION.Notice: SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income-Driven Repayment plans, including Income-Contingent Repayment or PAYE. SoFi always recommends that you consult a qualified financial advisor to discuss what is best for your unique situation.
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Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
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Wuhan Coronavirus (COVID-19) Pandemic Info [Megathread #2]

Mod note: This is just to compile hopefully useful info and links regarding the impact of the Wuhan coronavirus outbreak on Taiwan. We have no intention of deleting all the virus threads and throwing them in here btw.
If you have any more links you think we should share please post them in the comments or send us a DM!

General info

Travel Restrictions (Level 3 and below):

Travel Restrictions (Level 3 (STARTING MARCH 17th)):

Travel Restrictions (Level 3 (STARTING MARCH 19th)):

Links

submitted by DarkLiberator to taiwan [link] [comments]

Soka University Scandal: Ex-Soka finance chief accused of embezzlement

This is from 2007; Soka U had only been operating for FIVE YEARS...
Ex-Soka finance chief accused of embezzlement
ALISO VIEJO – The former finance director of Soka University of America has been indicted on charges he embezzled $1.7 million from the private university over seven years, according to a federal indictment unsealed today.
Kiyoshi Hatanaka, 52, of Aliso Viejo had worked for a Big Seven accounting firm before becoming Soka’s finance director in 1990, a university spokeswoman said.
He left his job in January 2006, spokeswoman Wendy Harder said, after allegations arose that he had created sham university accounts at a Los Angeles bank, moved money into the accounts, and then cashed $10,000 checks from them.
Hatanaka could not be reached for comment this afternoon. His public defender, Chase Scolnick, declined to comment.
Hatanaka came with Soka when it moved from Calabasas to open a 103-acre hilltop campus in Aliso Viejo. The university is affiliated with the largest Buddhist sect in Japan, but attracts students from the U.S. and around the world.
Assistant U.S. Attorney Lawrence Kole said evidence showed Hatanaka gambled large sums of money during that period at casinos in Temecula and Las Vegas.
Hatanaka is scheduled to be arraigned in U.S. District Court in Santa Ana on Jan. 2, and could face trial in February, Kole said. He was indicted on eight counts of embezzlement and eight counts of money laundering; each count carries a maximum sentence of 10 years.
Kole said the bank became suspicious of irregularities and contacted officials at Soka, which then contacted federal authorities.
Soka’s Harder said the bank expressed concern about transfers that were not approved by multiple people.
She said the university hired a new chief financial officer in 2005, and put Hatanaka in charge of endowment accounts.
Among the reforms created by the new financial officer was a procedure requiring multiple signatures and approvals on bank transfers, Harder said.
Hatanaka is suspected of taking interest money out of endowment accounts, then moving money around in a way that made it less likely to be detected by university auditors, Harder said.
“We’re working now to recover the money,” Harder said. “We did recover about a million dollars of the loss through insurance.” - OC Register
Top authority figure = Japanese. Check. Likely shipped over for that specific purpose.
Former Soka University finance director pleads guilty to embezzlement
A former finance director for Soka University in Aliso Viejo pleaded guilty to embezzlement in federal court Monday and agreed to pay back about $1.7 million to the university, officials said.
Kiyoshi Hatanaka, a 52-year-old resident of Aliso Viejo, pleaded guilty to multiple charges of embezzling university funds for his personal use, such as gambling at casinos in Temecula and Las Vegas.
Authorities said beginning in 1999, Hatanaka made several transfers from Soka University bank accounts to personal accounts he established at California Bank and Trust.
Hatanaka worked for an accounting firm and joined Soka University when it opened its campus in Aliso Viejo.
In 2005, Hatanaka was put in charge of handling endowment accounts at the university, after officials there hired a new chief financial officer. He left the university in 2006, after allegations of the embezzlement came to light.
Officials at Soka, which is affiliated with the largest Buddhist sect in Japan, became suspicious when the university’s bank contacted officials about transfers that were not approved by more than one person.
Hatanaka is expected to be sentenced Aug. 25.
University Finance Director Convicted Of $1.7 Million Embezzlement In California
Kiyoshi Hatanaka, 52, of Aliso Viejo, California and the former Finance Director and Chief Investment Officer of Soka University of America, was convicted on federal charges last week of embezzling more than $1.7 million from the institution. Hatanaka was originally indicted on eight counts of embezzlement and eight counts of money laundering. He was sentenced to 37 months in federal prison and ordered to pay restitution in the amount of $1,756,000. According to prosecutors, Hatanaka's scheme occurred between 1999 through January 2006, wherein he created bogus Soka accounts into which he transferred funds and then re-transferred to his personal accounts at California Bank and Trust. In April 2005, the university relocated and the campus property where Soka was located in Calabassas, California was sold to a consortium of conservation groups and converted into a park. Hatanaka came to Soka, a Japanese Buddist institution, in 1990 and had a "Big 7" accounting firm background. According to prosecutors, Hatanaka had a gambling problem.
Read the story here and here.
In this case, the head of finance, Hatanaka, who had complete access to all of Soka's accounts, simply treated the institution as his own piggy bank. He reportedly had no prior criminal background. We suspect that there were few controls in the finance department he controlled. Even so, he probably could have circumvented them, given his position. New proceedures have since been put in place requiring multiple signatures. Nevertheless, this is a tough one to stop. The scheme was revealed when Soka's bank notice suspicious activities and notified Soka who contacted the FBI who conducted the investigation. Had the gambling problem come to the attention of colleagues, extra scrutiny may have been levelled at Hatanaka which may have nipped the fraud earlier. Source
Former Soka official guilty of embezzlement
Former finance director and chief investment officer Kiyoshi Hatanaka was convicted of embezzling more than $1.7 million from Soka University of America and its former campus near Calabasas.
Hatanaka was convicted of the theft on Oct. 27 and sentenced to 37 months in federal prison, according to Assistant United States Attorney Lawrence Kole.
The 52-year-old Hatanaka is from Aliso Viejo where Soka’s Orange County campus is located. He was sentenced in Santa Monica’s federal court before United States District Judge James V. Selna.
In addition to his prison term, Hatanaka was ordered to pay back the entire amount that he embezzled, which amounted to $1,756,000. The theft took place over a period of seven years.
Hatanaka reportedly funneled money through bogus Soka bank accounts, which he had created with the intent to steal, Kole said. “It’s a pretty significant amount of prison time for someone who has no prior criminal record,” Kole said, but as he poined out, “In the federal system there is no parole, so defendants serve their entire term. There is no early release, unlike the state system.”
As the top financial official at Soka, Hatanaka had access to Soka’s bank accounts and was responsible for managing the school’s investments. He had the ability to transfer and withdraw funds from the Soka accounts, as well as accounts that held long term investments, according to a media report.
Hatanaka’s embezzlement scheme was hatched in 1999 and continued until early January 2006. He transfered the money from Soka’s bank and investment accounts to his personal accounts established at California Bank and Trust.
The embezzlement was discovered when Soka’s bank began seeing suspicious activity. Soka officials contacted the Federal Bureau of Investigation, which launched an investigation that found Hatanaka had been embezzling funds from the school for seven years.
Soka University of America operated a campus on a 588-acre property in the heart of the Santa Monica Mountains for decades.
In April, 2005, a consortium of state and local agencies, including the National Parks Service, California State Parks, the Santa Monica Mountains Conservancy, and the Mountains Recreation and Conservation Authority, purchased the property from the Japanese-owned university for $35 million.
Once ownership changed hands, environmental groups reverted to calling the property by its former name, King Gillette Ranch, in honor of the razor baron King C. Gillette, who purchased the property in 1926. Source
And promptly thrown under the bus.
submitted by BlancheFromage to sgiwhistleblowers [link] [comments]

The Annapurna Circuit: Trip report and guide (Intro and Part I)

Based on my July 2018 experience
This was not technically an ultralight backpacking trip. However, my experience on this trip was a catalyst to me switching over. I remember the clear difference between two fellow trekkers I met. One carrying 25kg of gear, the other only 7. The former I passed one day struggling up the trail despite him having several hours head start. He looked miserable. The latter never seemed as tired as I was and rarely stopped for breaks. My load was between the two but I wished it was much lighter.
This is also not a backpacking trip in the traditional sense. No tents or sleeping pads. Beds every night. You don’t cook your own food either. However, you could do those things on this trip as several other backpackers that I met attested. Regardless, it is an adventure that I think the ultralight community will appreciate as we all long to be back in the wilderness. Also worth noting: I am not sponsored by anyone. Any recommendation is simply based on my experience. No free gear was received in exchange for mentioning it. All of the links are for general information and are not affiliates of mine.
This is just part one of a two part series since I can't only post so much in one Reddit post. Look for part two to come out soon.
I've included several links to spreadsheets and photos:
1). Gear List. Includes gear I brought and its weight as well as what I’d bring now for comparison.
2). Cost breakdown. This is an itemized report of prices on the trek for housing, water, food, beer, transportation, and sunscreen.
3). Elevation and Distance. The third spreadsheet shares the rough distances between villages and communities along the trek along with elevation change.
4). Photos. Finally I’ve included a link to my website which has some of my favorite photos from the trip.
Please ask any questions you have. I’ll do my best to answer them. Hopefully by this fall some of you will be headed to Nepal for your own adventure!

INTRO
This is a complete guide to trekking the Annapurna Circuit in the Himalayan mountains of Nepal. I did this with my partner in July of 2018 during one of two off-seasons. Summer (May-September) is the rainy season and the trek doesn’t see much traffic during this time. Winter (December-February) is the other off-season for obvious reasons.
I’ve divided this trip report into two main sections (it's two long to post in one post on Reddit). The first part talks about the general logistics such as how to get to the circuit and what you should bring. I will try to include as much exact information about what I actually brought as I can and then provide some commentary on what I’d change when I go back.
The second part will focus on a timeline of the trek. What towns did we stay in and what were they like? What were some of the things we saw along the way and what were the trail conditions? This part will basically be a long blog post about our trek divided by the villages we stayed at or passed through along the way.

BACKGROUND
Why the Annapurna Circuit and why July (arguably the worst time of year to go). I am not a mountaineer, rock climber, athlete, or otherwise elite outdoorsman. In fact, the Annapurna Circuit was really my first backpacking trip and still my longest one to date. I did, however, grow up camping and loving the outdoors and am an experienced day hiker. Travel is also something I have some experience in, having been through much of North America and over 30 other countries.
Over the past few years I’ve grown a love for photography and a desire to capture natural landscapes as I see and feel them. Combined with my passion for the outdoors and a mild case of wanderlust, I began creating an unofficial list of places I definitely want to visit in my lifetime. This list includes Patagonia, New Zealand’s Southern Alps, the Andes Mountains in Northern Peru, and the Himalayas.
In May of 2018, my partner and I quit our jobs and bought one way tickets to Singapore to start our first visit to the continent of Asia. I had researched the Himalayas enough to know that Nepal’s Annapurna Circuit, Annapurna Base Camp, and Everest Base Camp were probably the best options for first time trekkers with epic mountain scenery. However, we made no specific plans on when we would arrive in Nepal if at all on this trip.
Fast forward through our first month in the hot and humid SouthEast part of Asia, and I soon realized that the climate differences for a resident of dry temperate Northern California were more than I anticipated. Added to that were the vast cultural differences between western countries where most of my previous travel had been and that of many SouthEast Asian countries. I found myself longing for the cool familiarity of the mountains and Nepal seemed the right choice.
So one day we bought a ticket from Malaysia to Kathmandu, knowing we would arrive during the rainy season but figuring we should give it a shot. We landed on a hot July day in the rain and were soon greeted by the chaos of Kathmandu. Here we opted to spend five days exploring the city, eating good food, researching all the ins and outs of the treks, buying supplies, and determining the best trek for this time of year. We talked to local guides and foreign adventurers alike trying to gage whether we should attempt trekking at all this time of year.
Eventually, after receiving some mixed accounts, we decided to risk it and head out the next morning for the Annapurna Circuit. We heard from both ends of the spectrum including some vehement statements that we shouldn’t trek this time of year and other trekkers who had just finished and had a wonderful time. We knew that we could always turn around and come back if it felt too dangerous.

MORE ON MONSOON SEASON
July is the middle of the monsoon season in Nepal. It’s also summer which means the lowlands are a steaming jungle and the mountains are often hidden in clouds. Due to the steep terrain, the land is prone to mudslides which can block roads and send vehicles down ravines. Leeches are also a problem at lower elevation which we soon found to be especially true when walking through dense foliage.
However, there are several benefits to trekking this time of year. Being the off -season there are far fewer tourists both in Kathmandu and on the trails. This means lower prices, easier to obtain rooms, and less crowding on the streets and trails. Along with the rain comes greenery. The flowers are in bloom and the trees are their greenest. The alpine hillsides are green as well, turning brown later in the year when trekking peaks. The nights don’t get as cold even at high altitude where guest houses are without heat, so fewer warm layers are required.
Of course, the dangers are real. Nepali people die every year in monsoon related road accidents and it's not uncommon for a few tourists to die as well. Delays are inevitable due to poor road conditions made worse by the rain. On the trail, many of the guest houses are not operating during the off season or may be more hesitant to welcome guests or have many food options. While crowds can create hassle, some comradery on the trail is welcome but much harder to find during the off-season.
NEXT TIME: Based on our experience, I wouldn’t change what we did. However, I would probably not go during this season again or necessarily recommend others to go during July. Instead I would opt for the end of the rainy season right before peak season (late September) or the end of the second trekking season right before the rainy season (late May).

PART I: LOGISTICS OF THE ANNAPURNA CIRCUIT
Almost everything you need for your trek can be bought in Kathmandu. Prices are cheaper than in the west but the quality is lower and most stores sell knock-offs of the brands they claim to sell. The neighborhood of Thamel is the primary trekkers hub in Nepal’s capital city. Here you will find more shops than you can count offering new and used gear, from real name-brand stuff to cheap knock offs. If you are coming to Nepal as part of a longer trip that includes travel to much warmer countries (as we did), you might consider buying some of your gear in Kathmandu.
We bought two synthetic sleeping bags (rated -10C but probably only good down to freezing) for $25/each. We were offered supposedly 100% down rated -20C “waterproof” sleeping bags for $50/each but were glad we didn’t get them. I purchased a decent quality “North Face” jacket with synthetic down filling for $15 and “waterproof” shell for $15. Diamox (a medication for altitude sickness) and many other meds (Decadron, a steroid, and various antibiotics) can be purchased for about $1 for a week's supply and without a prescription. The quality and purity of these drugs is unknown. I would definitely bring my own backpack as you will want something better quality than what I saw available. Same with shoes (or boots, it doesn’t matter really but trail runners are more comfortable and do the job perfectly) as you want them broken in. Everything else could be bought in Kathmandu but you won’t find anything ultralight or top quality.
NEXT TIME: Since trekking I’ve learned a lot about the value of a light backpack and minimal (but sufficient) gear. If trekking in Nepal was the only aspect of my trip from the US, I would bring nearly all my own gear. Everything would be quality and as light as possible for the task. An ultralight down quilt, wool underclothes, a down puffy, a waterproof rain shell, and a quality lightweight backpack 50 liters or less. I think a sub 10 pound base weight is reasonable even with a heavy camera.

PASSES AND PERMITS
You are required to have a TIMS card and the Annapurna Conservation Area Permit to trek. There are plenty of good blogs online describing these so I won’t go into great detail. They can both be purchased at the Nepal Tourism Board about a 20 minute walk from Thamel. Each costs about 2000 rupee ($17) and during the off season there was very little wait. I was told that you can get them in Pokhara and Besi Sahar as well but can't confirm. Bring passport photos (they wanted 4 each from us) and your passport as well as travel insurance information (required, we used World Nomads). Keep your permits handy as there are frequent checkpoints on the trek.

MONEY MATTERS
Everything is cash in Nepal. Many places that have MasterCard and Visa plastered all over their storefront window or list online that they take credit cards. This is almost always inaccurate. I’m not sure why. Mobile data and wifi are generally available and it would be helpful for tourists even if it meant slightly higher prices. Also there is a feeling of dishonesty when a business clearly advertises one thing but practices another.
For the trek you should bring all the cash you need with you. There are no ATM’s from Besisahar to Jomsom. The ATM’s in Thamel, Kathmandu usually only allow 15-30k rupees per transaction (many banks have limitations as well). You will also likely pay a fee every time you withdraw money and probably not always get the best exchange rates. I estimate that I lost about 10% on every withdrawal between fees and bad exchange rates.
How much money you need on the trek depends a lot on how much time you plan to take and what “luxuries” you want. I read blogs before my own experience suggesting $25-35/day per person. By watching our budget and going in the off-season we spent closer to $15/person and could have been quite comfortable on $20. Beer ($2-5), hot showers ($2 when available), and western food (always more expensive than Nepali food) can quickly double that. Most snacks are cheaper in Kathmandu (with the exception of Manang) but then you have to carry them all that way. If you purify your own water you save a lot.
NEXT TIME: I would probably plan to spend a little bit more to make the journey more enjoyable. An occasional beer or more variety in food choices can really improve your day. Hot showers are definitely worth it if they are gas powered but probably not if solar (they don’t actually get hot). I would also take more time on the trek, thus increasing the amount of cash I needed. That being said: the 50,000 rupee I brought on this trek would still probably suffice. If you are going without a guide or a porter the trek is automatically going to be significantly cheaper than those with planned tours.

GUIDES AND PORTERS
There are numerous options to do a guided trek including booking months in advance through large North American companies like G-Adventures or REI. For a more hassle free experience, this could be a good option. However, you definitely do not need a guide for the Annapurna Circuit. And I’ve read many stories of the guides being more trouble than they are worth.
The trek is super easy to follow with a map. Often because of the rain, we just followed the rough gravel and dirt road that nearly makes the entire circuit. During peak seasons, the trail looks very well marked and easy to follow. There are quite a few side trails, but these are easily avoided by referring to your map.
Porters are also unnecessary for nearly all trekkers, even those with guides. You need such minimal gear compared to backpacking in the wilderness or mountaineering, that your pack shouldn’t be an issue. I couldn’t believe how much stuff some people brought with them. My pack weight was over 30 pounds and 55 liters and I definitely saw a large number of much bulkier packs on the trail. Some people had a porter carrying a huge load for them on top of the oversized day pack on their own back.
Cost-wise hiring guides and porters would at least double your cost. Sure it helps provide jobs, but also may keep you from staying in that little unique guest house on the edge of town or spending an extra day somewhere that intrigues you. Guides will often direct you to stay at a specific guest house for which they get a commission even though there may be better options available. Some friends did Everest Base camp with a tour company later in 2018 and spend nearly 7 times what we did on our trek (there are no luxury hotel options on the trek and flights are not included in most tours). Having the independence to travel at your own pace and stay where you want, when you want is all something that money can’t buy.
NEXT TIME: I would definitely do this trek (also Annapurna and Everest Base Camps) on my own again. While there are some incredible guides with much knowledge and enjoyable personalities, the Annapurna Circuit is just too straight forward for me to justify needing one.

FOLLOWING THE TRAIL
There are several options for trails maps. Maps are easily available in Kathmandu for about 400 rupee. These are fairly accurate and up to date. Look for one made the same year (or at least previous) as your trek date. If you buy a map in the US before traveling, it may be slightly less up to date. For example, we ended up with the September 2017 edition of Nepa Maps NA504 Around Annapurna. Now, over a year later, the latest edition I can find online is the 2014 edition.
A road that parallels the Circuit is rapidly being constructed and the trail is constantly being rerouted when its path is more desirable for the course of the road.
Free offline apps such as Maps.Me offer downloadable trail routes for the Annapurna Circuit. Other options such as Gaia can assist with terrain but I never used it. Another invaluable source that I used for information about stops along the way, distances between villages, and what to expect, was the Wikitravel Document on the Annapurna Circuit.
The main trail is marked with red and white trail markers that are fairly visible. Some of the trail simply follows the road which isn’t a bad walk during the off season. However, in high season the dust and frequent jeep traffic would make this option uninviting. Luckily, most of the way up the path there are alternative trail options which are often on the opposite side of the valley as the road. Since leeches love foliage, we opted for the foliage free road most of the way up but outside of the rainy season this shouldn’t be a problem.

ELECTRONICS
CHARGERS: I would recommend bringing one universal adapter, preferably with multiple usb outlets in it. Outlets are hard to find and while some are universal, not all are. Some places charge you to use an outlet so being able to plug multiple devices into a single outlet saves you money. With my adapter I could charge my back up battery, phone, and camera all at once from one outlet.
PHOTO AND VIDEO: If you are a casual photographer just looking for some nice photos to show friends and family, I would recommend investing in a flagship smartphone or a Gopro rather than carrying the weight of even a small interchangeable lens camera. You just don't need all that extra weight unless you want significant zoom or professional quality large prints. The Go-pro is super light, takes decent 4k video, has image stabilization built in (much better video quality), is waterproof, and is tiny. Bring multiple batteries if you plan on a lot of videos. Also bring one SD card per day to reduce the risk of losing data.
I consider myself an advanced hobbyist when it comes to photography. Currently I use a Sony a7r II. I only brought one lens, the versatile Sony 24-240mm FE f3.5-6.5. If you are really serious I'd recommend a wide angle as well (16-35mm f2.8). This would especially be nice during drier weather when you can actually see the night sky for stargazing. The mountains are so vast and towering that a wide angle is really the only way to properly capture them without doing a panorama. I chose not to bring a tripod. If you are carrying your own gear it's a lot of extra weight to carry.
NEXT TIME: I’d bring the same camera set up and add a wide angle lens and an ultralight fold-up tripod. I would bring four batteries and probably an SD card for every other day. It’s a lot of weight but the photos are so worth it.
BACKUP POWER: I used a generic large backup battery charger with two usb ports. It was rated for 20k mAh but I don’t think that was accurate. My 10k mAh Anker is lighter and holds a similar charge . Whenever there wasn't charging available, I'd plug into this and when there was charging available I'd make sure it stayed charged. Even so I bought 4 batteries for my camera. One alternative, if going when the sun's out, is to rely on solar energy for charging.
MEMORY CARDS: I brought 8 memory cards including 4 micro SD and 4 regular. If I had to do it over I’d bring more. I had one scare where the camera said it wasn't writing the files correctly and when I went to flip back through them, I got error messages. I switched cards at that time and more frequently afterward. Turns out nothing was wrong but if you are a serious photographer you want to minimize risk of loss.
DRONES: This is a subject that has not been addressed in any other blogs I've read at all. Before going I watched numerous videos of people flying drones in the Himalayas. YouTube has several vloggers who have droned their treks and filmmakers who have made beautiful drone documentaries of these great mountains.
Unfortunately none of them address one serious problem, the Annapurna Conservatory at least (and possibly all of Nepal) has banned the use of drones without a permit (some say it's easy to get one, some say it's not). In some instances police have simply confiscated people's drones on the spot. In a country where one can hardly breathe in major cities due to dust and pollution, you'd think there would be greater issues than a couple of drones flying around. After consulting with some locals who saw my drone, I concluded that there is a significant risk that the police will take your device if they catch you. Many will find this a risk well worth taking and in some places there is limited police presence. The Annapurna Circuit has a surprisingly strong police presence in several towns (Chame for example) but not everywhere.
A drone is a lot of weight to carry if you don't feel comfortable using it for risk of having it taken. If you do plan to use it, either get a permit or exercise extreme caution and don't use it around villages or locals who might feel led to alert authorities. If you are a professional, just get the permit since your gear is likely worth a lot. If you are an amateur and want to risk it, bring a small, light drone that you can hide well if need be. I don't have specific information about getting permits, but it seems like the process isn't easy or quick.
OTHER: I brought a headlamp but never used it. For outhouse runs and power outages my phone served just fine though the headlamp would be much more convenient for longer periods of darkness. I would still recommend one.

CELL SERVICE
If you want to pack super light, aren't serious about photography or filming, but want some nice shots to bring home, I'd bring a high-end Samsung Galaxy, iPhone or similar. Since I had camera gear, I ended up using a cheap Samsung J2 pro (picked up brand new in Malaysia for $125). It takes relatively bad photos and video but was really just used to post updates to my Instagram story during those rare WiFi moments.
It is easy to get a SIM card for your global compatible phone in Kathmandu and even at some locations on the trek. There are two main providers Nepal Telecom and NCELL. We went with the private company Ncell because we heard that they were faster. Unfortunately, we soon found they didn’t currently offer much coverage on the circuit. However, judging by the number of locals using their cell-phones I’m guessing Nepal Telecom offers better service up there. Data is inexpensive and definitely worth it for navigating Kathmandu.
NEXT TIME: I would go with Telecom as having some coverage is better than none at all. I would also bring a better phone with a better battery life. One less thing to worry about charging all the time if the battery lasts longer.

WATER
Drinking water can be purchased at quite regular intervals along the trail in 1 liter bottles of filtered safe water for 30-150 rupee/liter. However, this adds up quickly (2-4 liters/day) and is quite bad for the environment. Safe water filling stations are available in many towns during trekking season for 30-60 rupee/liter. These were all closed except Thorung Phedi when I trekked this July. Bringing a 1 liter bottle to refill should be plenty when the clean filling stations are all open.
Another method is to fill up from the numerous running water stations in towns and villages along the way. Some of these are running constantly and are quite clean (coming from the mountains upstream from the village). However a village further up the mountain, animal waste, or other contaminants could still get you sick. I met trekkers who drank this water without problems but I would not risk it. While it usually didn’t appear to need filtering, I would absolutely purify it first.
I brought chlorine tablets (over iodine because chlorine also kills a virus that is a common cause of water related stomach illnesses) and a Steripen. The Steripen uses ultraviolet rays to kill pathogens. It required a wide mouthed water bottle to use (won’t work with a Smart water bottle). Also any curves or hidden areas where the light might not reach the water can leave it unclean. Mine required two ca123 batteries (not common) and can only do about 50 liters/two batteries. I carried several extra batteries.
Some sort of water purification tablets were available in many stores along the way. With a method to purify water, you save money and plastic and can even get your water from a stream if needed. We found the chlorine tablets did make the water taste somewhat undesirable so you may want to bring some sort of water flavoring. Another option is the two step water treatment drops that take more time but are arguably the most effective against the most possible illnesses with the least negative effect on the flavor.
NEXT TIME: I would bring my Sawyer Mini and add chlorine tabs if the water seemed exceptionally sketchy which is rarely if ever did. The Sawyer Mini works with any lightweight water bottle or 1 liter filter bags which are light and easy to store.

FOOD
You don’t need to bring any food from your home country (and probably shouldn’t). Snacks are available at steadily increasing prices and regular intervals as you head up the trail. Snickers, potato chips, sodas, cookies, nuts and granola bars were easy to find even in the off season. If you are on a strict budget you may want to find an inexpensive supply of snacks in Kathmandu before heading up. If you want fresh produce, you will likely have to purchase from Kathmandu or along the way as there is very little on the trek.
A helpful tip: snack prices in Manang oddly aren't much more than Kathmandu (Snickers only increased from 85 to 100 rupee despite bringing more than 150 rupees in earlier towns).
Healthy options are harder to come by. Certain times of the year you can get apples but not during the summer. Most meals included cooked vegetables grown fresh in the village. Every open lodge had food available. We generally avoided the meat due to limited safe storage options. We only had minor trouble with the food. Dal Bat is the traditional meal on the trek. Garlic soup is another popular one. We really enjoyed the Tibetan Bread with Honey for breakfast. If you are trying to eat low carb, good luck. Every meal is very high in carbs. Eating vegetarian is fairly easy to do.
NEXT TIME: We tried to eat a lot of Dal Bat as it was the least expensive way to get a lot of food. Often when you are very hungry, it just makes sense as they keep refilling your plate. However, I think it's worth spending a little more to eat more variety and change things up. With so many long days of trekking, it's a good way to keep up your morale.

LODGING
We did not book a single place on the trek in advance. I had heard that during peak season places fill up and guest houses end up packing extra people in the common areas. This was not a problem during such a slow time of year. We had more of a problem finding that places were closed due to the lack of traffic. I would not recommend booking anything in advance. If you go during peak season just try to arrive early enough to find a good spot before they are all taken.
As numerous other blogs describe, the lodges are typically referred to as tea houses although to me this implies more of a small home stay. A few of the locations we stayed in were someone’s home with extra rooms for guests. Others were more like mini hotels in which a room or two was saved for the employees. They all had kitchens and dining rooms which appeared like great places to gather if we had had other guests to gather with. Most had wood burning stoves in the middle which would have been wonderful as we increased in altitude. However, it was not cold enough for them to justify burning precious wood for just a couple of trekkers.
In every village, we first walked through the entire village (most take 10 minutes to walk through) to see where we felt the most welcome. In some places like Chame, it was easy. A kind lady called out to us upon passing by and after seeing her rooms we realized they would be perfect. Other places, like Manang were larger and had more options to choose from. Here we actually looked at a couple of rooms that we just didn’t love before settling on one. A few villages had vastly differing prices (ranging from free to 700 rupees) so if you are on a budget it pays to shop around. During peak season you may not have this luxury and may just have to take what's available.
NEXT TIME: I would still not book anything ahead. I would look for places that were clean and comfortable. A shower isn’t necessary every night. And sometimes the best places are away from the main lodges. I would also try to stay in a few of the smaller villages that aren’t necessarily on the main trek. Most likely I would do this trek slower (and in better weather) so as to experience more of the culture and hopefully meet more trekkers to swap stories with along the way.

GETTING THERE FROM KATHMANDU
We went to BG Mall (400 rupee taxi ride north of Thamel) to get our bus directly to Besisahar where the trek begins. The taxi actually dropped us off at the Gongabu New Bus Station. However, upon asking around we were directed to the BG Mall around the corner.
There are mini buses (think minivans with way too many seats packed in them) going to Besisahar directly. While popular with tourists, these appeared cramped and uncomfortable to me. They also tie all the luggage outside on the top of the van so it ends up covered in exhaust and dust. One benefit is that these minibuses go direct and don't stop to pick up more passengers along the way. I've heard they run about 700 rupee.
We chose what we were told was a tourist bus. In reality it ran more like a local bus to Besisahar from BG Mall. We didn't buy tickets ahead but simply paid the driver 450 rupees each. We had our backpacks stored underneath, had our own seats, and the bus was never full. However, I think during peak season it would have been much more crowded. Even though we stopped to pick up passengers whenever we saw them, most of the delays were the terrible traffic jam coming out of Kathmandu (3-4 hour traffic jam. Even so, we made it to Besisahar by about 3pm (9 hours) without switching buses. There are supposedly non-stop “luxury” tourist buses available for a bit more. However, you won’t find anything that approaches the quality of buses available in South America or Europe.
As with all transportation in Nepal, be prepared for longer than expected journeys and over packed vehicles that wouldn’t be up to safety standards in the US. There probably won’t be air conditioning in the summer either. And the passengers tend to be quite loud the entire trip.
NEXT TIME: I would probably still risk buying a last minute ticket. That way I can assess the condition of the bus before purchasing. The mini-buses, while perhaps slightly faster, look way less enjoyable unless perhaps you have a large enough group to book the entire bus.

SOME MORE ON GEAR
You don’t need as much gear as a normal backpacking trip. While some people do choose to wild camp, most stay at the tea houses. Even if you do camp, food is so readily available, there is no need to carry large amounts with you. Bringing a tent would allow you to wake up in some truly wild, remote locations without any other humans around. It would also require you bring a sleeping pad and a warmer sleeping bag.
All the tea houses had blankets. Extras were available if we were cold though this is not the case during peak season. I would at least bring a liner if not your own bag for cleanliness and extra warmth. I think a light 30 degree quilt would be fine unless you went in the winter. There’s no heat in the rooms, but I imagine they keep more warmth in than a tent would. The coldest mornings during the summer were below freezing, but not by much in our experience. Peak season is in the fall so it will be colder for sure.
I’d probably go with my SWD long haul 50 out of my current gear. Although it would be bigger than needed, it carries really well and rolls down when not filled. You probably don’t need a backpack with a frame. Honestly, a Zimmerbuilt style QuickStep or similar would probably do just fine if you are not camping or bringing a lot of camera gear.
Any cooking supplies are superfluous unless you really want to eat freeze-dried meals or have a cup of hot tea on a random remote hilltop. There are actually small huts which serve hot tea at some of the more popular day hikes along the trek. These are only open during peak season.
I primarily hiked in shorts but if it had been much colder leggings or pants would have been nice. There’s a lot of exposure and sun during peak season (even in the summer the clouds cleared enough to get us burnt), so long sleeve shirts and maybe a hat would be nice.
Camp shoes and night clothes aren’t necessary but sure were nice to have. A change or two of underwear and socks would suffice. I brought some running shorts that double as swim trunks. There are several hot springs on the trek which are near town and close to the river. These were mostly flooded over with river water due to the monsoon.
We brought way too many toiletries and a large first aid kit. If I recall correctly some places had toilet paper in their bathrooms and it was also available at some of the shops.

BRIEF GUIDE TO KATHMANDU
We arrived in Kathmandu near the end of June to pouring rain. The airport is a mess of chaos. One had to take a bus from the plane to get to the terminal. Visas are available on arrival for US citizens and those of many other countries. We chose a 30 day visa for about $50 but there are longer options available. We took a taxi from the airport to Thamel for about $5 and settled into a hostel for the night.
Our first few nights in the hostel were nice (community atmosphere and cheap price) but we soon realized we wanted to be in a hotel and moved locations for our next three nights before the trek. You can walk Thamel in a day or less. There are plenty of decent restaurants and lots of trekkers and tourists. A few of the streets don’t allow cars which is refreshing as the dirt, dust, and exhaust they produce is overwhelming. The shops in Thamel offer everything you could imagine related to trekking but not all of it is quality. You are under constant pressure to buy something or some service you don’t want nearly everywhere you go in Thamel.
Five days in Kathmandu was too long. I’d recommend three to get accustomed to the place, buy any last minutes good for the trek, and get some cash. We left everything we had with us at the hotel including extra camera gear and a laptop. We locked it in a bag and they put it in a second floor storage room. The agreement is that you will stay with them when you return but since they didn’t have rooms we weren’t held to that. Nothing was lost, stolen, or damaged in our experience.
Lodging:
Alobar 1000 Hostel. We stayed two nights here. It was a friendly enough place with cheap water refills available and an inexpensive rooftop bar. There were all sorts of friendly travelers here from yogis and hippies to trekkers and climbers. Our private room was ok but the bathroom was shared and not always so clean. Price was approximately $10-15 per night.
Hotel Family Home. We stayed three nights here and stored our luggage here during our trek. Cost was approximately $20 per night. The rooms were ok. Not quite up to western standards. There was a free breakfast you could pick from (pancakes, smoothies, toast and eggs). The bathroom had an open window instead of a fan and was filled with bugs.
Trekkers Home: We stayed one night here after returning from our trek. It was a great price and the owners were friendly but the air conditioning didn’t work. With the pollution and the summer heat and humidity, having air conditioning is nearly essential in July. Cost was only $12 per night but didn’t include breakfast.
OYO 120 Hotel Tayoma. We stayed here three nights after the trek. It has a Pho restaurant with good food below it. The rooms are large and clean with cold air conditioning. This was probably our favorite spot in Thamel. Price included breakfast for about $20 per night.
Dining:
Himalayan Java Coffee - Thamel Chowk. This is a popular spot with trekkers and expats alike. Great coffee for the area and many baked goods as well as specialty drinks.
Western Tandoori & Naan House. We probably ate here half a dozen times. Excellent prices and amazing authentic Indian food better than anywhere I’ve had in North America and rivaling London. Local spot with nothing fancy that can get quite hot during the day. Looks a little dirty but we never got sick and enjoyed every meal here.
Northfield Cafe. Nice outdoor cafe with baked goods and a decent breakfast.
Weizen Bakery. Probably our favorite bakery in Thamel. Great chocolate cake and pastries. Half off after 8 pm!
The Cafe With No Name. Great little bar serving local micro-brewed beer and donating proceeds to charity. We went here several times and always loved the food. Definitely geared toward tourists.
Medical:
Pharmacies. There are numerous pharmacies in Thamel which don’t require a prescription to get things like Diamox, antibiotics, pain relief, or decadron. Quality is unknown of course so use with care.
CIWEC Hospital Pvt. Ltd. This is a private hospital especially for tourists that’s right outside Thamel. Due to an accident which required suturing we actually used this location and got excellent professional service. Our doctor spoke perfect English. She and her nurses all used sterile technique, practiced hand washing, and were very skilled and thorough in their care. I don’t think we would have received better care anywhere in the US. Cost was $330 USD which is a lot for Nepal but was completely covered by our travel insurance.
Transport:
Walking. This is the best way to get about Thamel and really much of Kathmandu. It's fun just to wander. There are hidden shops, alleyways, and restaurants everywhere. End to end, Thamel is only about a 15 minute walk one way.
Taxis. I don’t think we paid more than $5 for a taxi anywhere including going to the famous stupa or the airport. We paid about $4 for our taxi to the bus station which would have been a 45 minute walk. We usually negotiated the price down a dollar or two from their initial offer.
Buses. We did not ride any city buses. The main bus station for travel around the country is the Gongabu New Bus Station. The bus to Besi Sahar actually picked up about a five minute walk from here at the BG Mall which we found out on the fly the morning of our trip after our taxi dropped us off at the bus station.

This was PART I of a two part series on the Annapurna Circuit. Stay tune for the second part where I go into detail on the day-by-day journey itself.
submitted by wanderlosttravel to Ultralight [link] [comments]

SB-06-57: Cannabis Deregulation Act

Cannabis Deregulation Act

Be it enacted by the general assembly of the state of Sierra
Whereas; Existing Sierran law imposes onerous restrictions on the ability of entrepreneurs to cultivate, process, deliver, and market cannabis, stifling the legal market and leading to the proliferation of cannabis black markets;
Whereas; Especially egregious regulations and stipulations are required to be met in order to obtain a cannabis license, preventing Sierrans from even entering the legal market;
Whereas; Additional taxes, licensing fees, and lack of flexibility in cannabis pricing keeps the price of commercial cannabis products sky high, making it more economical for most Sierrans to continue purchasing cannabis via illegal means;
Whereas; It is imperative that regulations, fees, and taxes regarding the sale, cultivation, transport, and marketing of commercial cannabis are relaxed to promote economic growth and to promote the supplantation of cannabis black markets by legal markets;

Section I. Findings

(a) The Sierran Assembly finds that;
(1) The State of Sierra has been heavy-handed in the regulation, taxation, and licensing of cannabis sale, transport, cultivation, and marketing, stifling legal cannabis markets.
(2) The State of Sierra recognizes that legal markets are safer than black markets and the health of the legal market is paramount to the safety of Sierran citizens.
(3) The State of Sierra recognizes that action must be taken to promote legal cannabis markets by relaxing regulations, licensing restrictions, miscellaneous fees, and taxes surrounding the sale, transport, cultivation, and marketing of cannabis, cannabis products, and cannabis accessories.

Section II. General Provisions

(a) Sierran Business and Professions Code Section 26051.5 is hereby amended to read:
(a) An applicant for any type of state license issued pursuant to this division shall do all of the following:
(1) Require that each owner electronically submit to the Department of Justice fingerprint images and related information required by the Department of Justice of all applicants for any type of state license issued pursuant to this division, for the purpose of obtaining information as to the existence and content of a record of state or federal convictions and state and federal arrests, and also information as to the existence and content of a record of state or federal convictions and arrests for which the Department of Justice establishes that the person is free on bail or on their own recognizance pending trial or appeal.
(A) Notwithstanding any other law, the Bureau of Cannabis Control, the Department of Food and Agriculture, and the State Department of Public Health may obtain and receive, at their discretion, criminal history information from the Department of Justice and the Federal Bureau of Investigation for an applicant for any state license under this division, including any license established by a licensing authority by regulation pursuant to subdivision (b) of Section 26012.
(B) When received, the Department of Justice shall transmit fingerprint images and related information received pursuant to this section to the Federal Bureau of Investigation for the purpose of obtaining a federal criminal history records check. The Department of Justice shall review the information returned from the Federal Bureau of Investigation and compile and disseminate a response to the licensing authority.
(C) The Department of Justice shall provide a response to the licensing authority pursuant to paragraph (1) of subdivision (p) of Section 11105 of the Penal Code.
(D) The licensing authority shall request from the Department of Justice subsequent notification service, as provided pursuant to Section 11105.2 of the Penal Code, for applicants.
(E) The Department of Justice shall charge the applicant a fee sufficient to cover the reasonable cost of processing the requests described in this paragraph.
(2) Provide evidence of the legal right to occupy and use the proposed location and provide a statement from the landowner of real property or that landowner’s agent where the commercial cannabis activity will occur, as proof to demonstrate the landowner has acknowledged and consented to permit commercial cannabis activities to be conducted on the property by the tenant applicant.
(3) Provide evidence that the proposed location is in compliance with subdivision (b) of Section 26054.
(4) Provide a statement, signed by the applicant under penalty of perjury, that the information provided is complete, true, and accurate.
(5) Provide the applicant’s valid seller’s permit number issued pursuant to Part 1 (commencing with Section 6001) of Division 2 of the Revenue and Taxation Code or indicate that the applicant is currently applying for a seller’s permit.
(6) Provide any other information required by the licensing authority.
(7) For an applicant seeking a cultivation license, provide a statement declaring the applicant is an “agricultural employer,” as defined in the Alatorre-Zenovich-Dunlap-Berman Agricultural Labor Relations Act of 1975 (Part 3.5 (commencing with Section 1140) of Division 2 of the Labor Code), to the extent not prohibited by law.
(8) Pay all applicable fees required for licensure by the licensing authority.
(9)
(A) Provide a statement, upon initial application and application for renewal, that the applicant employs, or will employ within one year of receiving or renewing a license, one supervisor and one employee who have successfully completed a Cal-OSHA 30-hour general industry outreach course offered by a training provider that is authorized by an OSHA Training Institute Education Center to provide the course. This paragraph shall not be construed to alter or amend existing requirements for employers to provide occupational safety and health training to employees.
(B) An applicant with only one employee shall not be subject to subparagraph (A).
(C) For purposes of this paragraph “employee” “employee” does not include a supervisor.
(D) For the purposes of this paragraph, “supervisor” means an individual having authority, in the interest of the applicant, to hire, transfer, suspend, lay off, recall, promote, discharge, assign, reward, or discipline other employees, or responsibility to direct them or to adjust their grievances, or effectively to recommend such action, if, in connection with the foregoing, the exercise of that authority is not of a merely routine or clerical nature, but requires the use of independent judgment.
(b) An applicant shall also include in the application a detailed description of the applicant’s operating procedures for all of the following, as required by the licensing authority:
(1) Cultivation.
(2) Extraction and infusion methods.
(3) The transportation process.
(b) Sierran Business and Professions Code Section 26052 is hereby repealed.
(c) Sierran Business and Professions Code Section 26054(a) is hereby repealed and the following clauses renumbered accordingly.
(d) Sierran Business and Professions Code Section 26055 is hereby amended to read:
(a) Licensing authorities may issue state licenses only to qualified applicants.
(b) Revocation of a state license issued under this division shall terminate the ability of the licensee to operate pursuant to that license within California until a new license is obtained.
(c) Licensing authorities shall not approve an application for a state license under this division if approval of the state license will violate the provisions of any local ordinance or regulation adopted in accordance with Section 26200.
(d) An applicant may voluntarily provide proof of a license, permit, or other authorization from the local jurisdiction verifying that the applicant is in compliance with the local jurisdiction. An applicant that voluntarily submits a valid, unexpired license, permit, or other authorization from the local jurisdiction shall be presumed to be in compliance with all local ordinances unless the licensing authority is notified otherwise by the local jurisdiction. The licensing authority shall notify the contact person for the local jurisdiction of any applicant that voluntarily submits a valid, unexpired license, permit, or other authorization from the local jurisdiction.
(e)
(1) A local jurisdiction shall provide to the bureau a copy of any ordinance or regulation related to commercial cannabis activity and the name and contact information for the person who will serve as the contact for state licensing authorities regarding commercial cannabis activity within the jurisdiction. If a local jurisdiction does not provide a contact person, the bureau shall assume that the clerk of the legislative body of the local jurisdiction is the contact person.
(2) Whenever there is a change in a local ordinance or regulation adopted pursuant to Section 26200 or a change in the contact person for the jurisdiction, the local jurisdiction shall provide that information to the bureau.
(3) The bureau shall share the information required by this subdivision with the other licensing authorities.
(f)
(1) The licensing authority shall deny an application for a license under this division for a commercial cannabis activity that the local jurisdiction has notified the bureau is prohibited in accordance with subdivision (f). The licensing authority shall notify the contact person for the local jurisdiction of each application denied due to the local jurisdiction’s indication that the commercial cannabis activity for which a license is sought is prohibited by a local ordinance or regulation.
(2) Prior to issuing a state license under this division for any commercial cannabis activity, if an applicant has not provided adequate proof of compliance with local laws pursuant to subdivision (e):
(A) The licensing authority shall notify the contact person for the local jurisdiction of the receipt of an application for commercial cannabis activity within their jurisdiction.
(B) A local jurisdiction may notify the licensing authority that the applicant is not in compliance with a local ordinance or regulation. In this instance, the licensing authority shall deny the application.
(C) A local jurisdiction may notify the licensing authority that the applicant is in compliance with all applicable local ordinances and regulations. In this instance, the licensing authority may proceed with the licensing process.
(D) If the local jurisdiction does not provide notification of compliance or noncompliance with applicable local ordinances or regulations, or otherwise does not provide notification indicating that the completion of the local permitting process is still pending, within 60 business days of receiving the inquiry from a licensing authority submitted pursuant to subparagraph (A), the licensing authority shall make a rebuttable presumption that the applicant is in compliance with all local ordinances and regulations adopted in accordance with Section 26200, except as provided in subparagraphs (E) and (F).
(E) At any time after expiration of the 60-business-day period set forth in subparagraph (D), the local jurisdiction may provide written notification to the licensing authority that the applicant or licensee is not in compliance with a local ordinance or regulation adopted in accordance with Section 26200. Upon receiving this notification, the licensing authority shall not presume that the applicant or licensee has complied with all local ordinances and regulations adopted in accordance with Section 26200, and may commence disciplinary action in accordance with Chapter 3 (commencing with Section 26030). If the licensing authority does not take action against the licensee before the time of the renewal of the license, the license shall not be renewed until and unless the local jurisdiction notifies the licensing authority that the licensee is once again in compliance with local ordinances.
(F) A presumption by a licensing authority pursuant to this paragraph that an applicant has complied with all local ordinances and regulations adopted in accordance with Section 26200 shall not prevent, impair, or preempt the local government from enforcing all applicable local ordinances or regulations against the applicant, nor shall the presumption confer any right, vested or otherwise, upon the applicant to commence or continue operating in any local jurisdiction except in accordance with all local ordinances or regulations.
(3) For purposes of this section, “notification” includes written notification or access by a licensing authority to a local jurisdiction’s registry, database, or other platform designated by a local jurisdiction, containing information specified by the licensing authority, on applicants to determine local compliance.
(g) Without limiting any other statutory exemption or categorical exemption, Division 13 (commencing with Section 21000) of the Public Resources Code does not apply to the adoption of an ordinance, rule, or regulation by a local jurisdiction that requires discretionary review and approval of permits, licenses, or other authorizations to engage in commercial cannabis activity. To qualify for this exemption, the discretionary review in any such law, ordinance, rule, or regulation shall include any applicable environmental review pursuant to Division 13 (commencing with Section 21000) of the Public Resources Code. This subdivision shall become inoperative on July 1, 2021.
(e) Sierran Business and Professions Code Section 26060.1 is hereby amended to read:
(a) An application for a license for cultivation issued by the Department of Food and Agriculture shall identify the source of water supply as follows:
(1)
(A) If water will be supplied by a retail water supplier, as defined in Section 13575 of the Water Code, the application shall identify the retail water supplier.
(B) Paragraph (3) does not apply to any water subject to subparagraph (A) unless the retail water supplier has 10 or fewer customers, the applicant receives 10 percent or more of the water supplied by the retail water supplier, 25 percent or more of the water delivered by the retail water supplier is used for cannabis cultivation, or the applicant and the retail water supplier are affiliates, as defined in Section 2814.20 of Title 23 of the California Code of Regulations.
(2) If the water supply includes a diversion within the meaning of Section 5100 of the Water Code, the application shall identify the point of diversion and the maximum amount to be diverted as follows:
(A) For an application submitted after December 31, 2018, the application shall include a copy of one of the following:
(i) A small irrigation use registration certificate, permit, or license issued pursuant to Part 2 (commencing with Section 1200) of Division 2 of the Water Code that covers the diversion.
(ii) A statement of water diversion and use filed with the State Water Resources Control Board that covers the diversion and specifies the amount of water used for cannabis cultivation.
(iii) Documentation submitted to the State Water Resources Control Board demonstrating that the diversion is subject to subdivision (a), (c), (d), or (e) of Section 5101 of the Water Code.
(iv) Documentation submitted to the State Water Resources Control Board demonstrating that the diversion is authorized under a riparian right and that no diversion occurred after January 1, 2010, and in the calendar year in which the application is submitted. The documentation shall be submitted on or accompany a form provided by the State Water Resources Control Board and shall include all of the information outlined in subdivisions (a) to (d), inclusive, and (e) of Section 5103 of the Water Code. The documentation shall also include a general description of the area in which the water will be used in accordance with subdivision (g) of Section 5103 of the Water Code and the year in which the diversion is planned to commence.
(b) The Department of Food and Agriculture shall include in any license for cultivation all of the following:
(1) Conditions requested by the Department of Fish and Wildlife and the State Water Resources Control Board to: (A) ensure that individual and cumulative effects of water diversion and discharge associated with cultivation do not affect the instream flows needed for fish spawning, migration, and rearing, and the flows needed to maintain natural flow variability; (B) ensure that cultivation does not negatively impact springs, riparian habitat, wetlands, or aquatic habitat; and (C) otherwise protect fish, wildlife, fish and wildlife habitat, and water quality. The conditions shall include, but not be limited to, the principles, guidelines, and requirements established pursuant to Section 13149 of the Water Code.
(2) Any relevant mitigation requirements the Department of Food and Agriculture identifies as part of its approval of the final environmental documentation for the cannabis cultivation licensing program as requirements that should be included in a license for cultivation. Chapter 3.5 (commencing with Section 11340) of Part 1 of Division 3 of Title 2 of the Government Code does not apply to the identification of these mitigation measures. This paragraph does not reduce any requirements established pursuant to Division 13 (commencing with Section 21000) of the Public Resources Code.
(c) The Department of Food and Agriculture shall consult with the State Water Resources Control Board and the Department of Fish and Wildlife in the implementation of this section.
(d) Notwithstanding paragraph (1) of subdivision (b), the Department of Food and Agriculture is not responsible for verifying compliance with the conditions requested or imposed by the Department of Fish and Wildlife or the State Water Resources Control Board. The Department of Fish and Wildlife or the State Water Resources Control Board, upon finding and making the final determination of a violation of a condition included pursuant to paragraph (1) of subdivision (b), shall notify the Department of Food and Agriculture, which may take appropriate action with respect to the licensee in accordance with Chapter 3 (commencing with Section 26030).
(f) Sierran Business and Professions Code Section 26063 is hereby repealed.
(g) Sierran Business and Professions Code Division 10 Chapter 6.5 is hereby repealed in its entirety.
(h) Sierran Business and Professions Code Section 26180(c) is hereby repealed and the following clauses renumbered accordingly.
(i) Sierran Business and Professions Code Section 26161.5(b) is hereby repealed and the following clauses renumbered accordingly.
(j) Sierran Business and Professions Code Section 26070 is hereby amended to read:
(a) State licenses to be issued by the bureau related to the sale and distribution of cannabis and cannabis products are as follows:
(1) “Retailer,” for the retail sale and delivery of cannabis or cannabis products to customers. A retailer shall have a licensed premises which is a physical location from which commercial cannabis activities are conducted. A retailer’s premises may be closed to the public. A retailer may conduct sales exclusively by delivery.
(2) “Distributor,” for the distribution of cannabis and cannabis products. A distributor licensee shall be bonded and insured at a minimum level established by the licensing authority.
(3)
(A) “Microbusiness,” for the cultivation of cannabis on an area less than 10,000 square feet and to act as a licensed distributor, Level 1 manufacturer, and retailer under this division, provided such licensee can demonstrate compliance with all requirements imposed by this division on licensed cultivators, distributors, Level 1 manufacturers, and retailers to the extent the licensee engages in such activities. Microbusiness licenses that authorize cultivation of cannabis shall include the license conditions described in subdivision (b) of Section 26060.1.
(B) In coordination with each other, the licensing authorities shall establish a process by which an applicant for a microbusiness license can demonstrate compliance with all the requirements under this division for the activities that will be conducted under the license.
(C) The bureau may enter into interagency agreements with licensing authorities to implement and enforce the provisions of this division related to microbusinesses. The costs of activities carried out by the licensing authorities as requested by the bureau pursuant to the interagency agreement shall be calculated into the application and licensing fees collected pursuant to this division, and shall provide for reimbursement to state agencies for associated costs as provided for in the interagency agreement.
(b) The bureau shall establish minimum security and transportation safety requirements for the commercial distribution and delivery of cannabis and cannabis products. Except as provided in subdivision (d) of Section 26110, the transportation of cannabis and cannabis products shall only be conducted by persons holding a distributor license under this division or employees of those persons. Transportation safety standards established by the bureau shall include, but not be limited to, minimum standards governing the types of vehicles in which cannabis and cannabis products may be distributed and delivered and minimum qualifications for persons eligible to operate such vehicles.
(c) The driver of a vehicle transporting or transferring cannabis or cannabis products shall be directly employed by a licensee authorized to transport or transfer cannabis or cannabis products.
(d) Notwithstanding any other law, all vehicles transporting cannabis and cannabis products for hire shall be required to have a valid motor carrier permit pursuant to Chapter 2 (commencing with Section 34620) of Division 14.85 of the Vehicle Code. The Department of the California Highway Patrol shall have authority over the safe operation of these vehicles, including, but not limited to, requiring licensees engaged in the transportation of cannabis or cannabis products to participate in the Basic Inspection of Terminals (BIT) program pursuant to Section 34501.12 of the Vehicle Code.
(e) Prior to transporting cannabis or cannabis products, a licensed distributor shall do both of the following:
(1) Complete an electronic shipping manifest as prescribed by the licensing authority.
(f) During transportation, the licensed distributor shall maintain a physical copy of the shipping manifest and make it available upon request to agents of the Department of Consumer Affairs and law enforcement officers.
(g) The licensee receiving the shipment shall maintain each electronic shipping manifest and shall make it available upon request to the Department of Consumer Affairs and any law enforcement officers.
(h) Transporting, or arranging for or facilitating the transport of, cannabis or cannabis products in violation of this chapter is grounds for disciplinary action against the license.
(i) Licensed retailers and microbusinesses, and licensed nonprofits under Section 26070.5, shall implement security measures reasonably designed to prevent unauthorized entrance into areas containing cannabis or cannabis products and theft of cannabis or cannabis products from the premises. These security measures shall include, but not be limited to, all of the following:
(1) Prohibiting individuals from remaining on the licensee’s premises if they are not engaging in activity expressly related to the operations of the retailer.
(2) Establishing limited access areas accessible only to authorized personnel.
(3) Other than limited amounts of cannabis used for display purposes, samples, or immediate sale, storing all finished cannabis and cannabis products in a secured and locked room, safe, or vault, and in a manner reasonably designed to prevent diversion, theft, and loss.
(j) A retailer shall notify the licensing authority and the appropriate law enforcement authorities within 24 hours after discovering any of the following:
(1) Significant discrepancies identified during inventory. The level of significance shall be determined by the bureau.
(2) Diversion, theft, loss, or any criminal activity pertaining to the operation of the retailer.
(3) Diversion, theft, loss, or any criminal activity by any agent or employee of the retailer pertaining to the operation of the retailer.
(4) The loss or unauthorized alteration of records related to cannabis or cannabis products, registered qualifying patients, primary caregivers, or retailer employees or agents.
(5) Any other breach of security that is reasonably beyond a minor misunderstanding.
(k) Beginning January 1, 2018, a licensee may sell cannabis or cannabis products that have not been tested for a limited and finite time as determined by the bureau. The cannabis or cannabis products must have a label affixed to each package containing the cannabis or cannabis products that clearly states “This product has not been tested as required by the Medicinal and Adult-Use Cannabis Regulation and Safety Act” and must comply with any other requirement as determined by the bureau.
(k) Sierran Business and Professions Code Section 26070.1 and 26070.2 are hereby repealed.

Section III. Enactment and Severability clause

(a) Severability.—Notwithstanding any other provision of this title, if any provision of this section, or any amendment made by this section, or the application of such provision or amendment to any person or circumstance is held to be unconstitutional, this section and amendments made by this section and the application of such provision or amendment to other persons or circumstances shall not be affected thereby.
(b) This Act shall go into effect 90 days after the passage of the act through the Sierran General Assembly.
Authored and sponsored by: Congressman ProgrammaticallySun7 (R-SR) Cosponsored by: Assemblymember Temmie134 (R)
submitted by ItsBOOM to ModelWesternAssembly [link] [comments]

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