Alternative Living In Montana

Finally, I have the time, electricity, and access to the internet. This picture was taken early on in my giving up my Section 8 Home Choice Voucher. The days were still hot, and nights warm, although this night the wind blew something fierce and I was afraid my tent was going to blow away. The folks camping to the right of me, came over in the morning to check on me, see if I was ok.  I thought that was really nice of them, after all, we never saw each other before.

Funny, never once in all my time using a Section 8 Voucher did any neighbor come and check on me, or the on-site manager when they knew I was ill, little alone when the wind blew all night. Heck most of them got upset if I reported repairs that needed to be made.

The above picture is what my tent looked like, unfortunately when I started to take the shade tent down, the wind caught it and smashed it into a tree. It didn't quite wrap around the tree, but it sure looked like it got ran over or something. I sure am going to miss it, as when the wind blew, and I mean blew hard (35 to 40 miles an hour or more) it kept the tent from doing the bobblehead dance. I did save the top cover, as it will go over the tent nicely, to give it some added warmth, and protection from wet weather.

I started living in my tent on August 26, 2020. I thought I would be able to find work and gradually some up the money to get into a new place without Government assistance. Well, that is not how things are working out, as it is now October 12, 2020, and I am still looking for work, and there is not a single one-bedroom or studio unit in the entire state in my budget that does not have at least 25 or more people applying for.

Most of the low-income apartments now have a three to four-year waiting "list, apartments that aren't even completely built have a waiting list a mile long. Shelters are full, and those that aren't I don't qualify for because my domestic violence threats were so long ago in the past.

Every room for rent in town (Helena) has been taken, and I am looking for work and housing in every area I think I would like to live in. The problem, well there just aren't any low-income rental units to be had, even in Northern Montana, most have been rented.

There are at least 1,357 (as reported in January 2019), people experiencing homelessness on any given day. Why that is more people than the population of some of our smaller towns in Montana. What I don't understand, is why there are so many empty office buildings that could be used to house the homeless during the pandemic or to be turned into low-income housing, yet they too sit and rot waiting for the next commercial, Real Estate Tycoon to snatch them up.

There are more Duplexes, Condos, Townhouses, and very large homes with vaulted ceilings of 15 feet of nothing but air till it hits the floor going up, and fewer and fewer average size homes that the working people can afford. Prices are so over-inflated, and you are forced to buy more acreage than you know what to do with.

The little starter home of two bedrooms, one bathroom, living room, kitchen, and maybe an office and/or full basement with the little picket fence around 1,200 square feet no longer exists. Such a shame because I can not see someone my age living in a five-bedroom monstrosity just because I could afford it, but that is what it is all about now.

Montana Department of Commerce Housing Division has failed Montana low-income tenants for over 30 years, never really paying attention to the condition of apartment buildings, or what landlords do or do not do leading us to the deplorable shortage in housing and housing that is decent, healthy, and safe.

I worry about living in my tent, or the back of my truck this winter. But apparently, you can sleep in a car until it gets 30 below zero, then it is pretty dangerous, you most likely won't make it through the night. I can tell you though living in my tent instead of Government housing, I have no bug bites, my clothes smell better, and the best part money in the bank at the end of the month.

Montana Department of Commerce Housing Divisions programs all need to be audited. If they made one error in the amount of $750, there are surely more. No one wants to listen, no one cares, well ok then it is your tax dollars that are being wasted on these buildings that catch fire in the middle of the night because of poor wiring, or someone sleeping on the sofa in the ally and drops a cigarette. But why should you care? You got money to burn, right?

RENTAL HOUSING AND OTHER SCAMS DURING COVID-19

In this post, I hope to bring to light just a few of the rental scams that are taking place during the COVID virus. Low-Income, Government, Affordable, or Workforce housing (whatever name they are running it under now) is littered with scams from the private property managing companies, the landlord(s), to the government housing agencies designed to protect and help the financially challenged to obtain sanitary, up-to-code, reasonable priced shelter allowing all the conveniences of electricity, running water, heat in the winter and free of vermin, and other health risks.

They want the windows to be of a size that a full-grown adult can crawl through in case of a fire, and can be reached from the floor. There are to be doors that lock, windows that prevent the weather from coming in, adequate hot water, and heat. This is all to be provided when you rent, plus the environment is to be free of health and physical bodily risk of injury.

Many of the apartments, and houses, that I have rented on and off of the Home Choice Section 8 Voucher program have rarely met all of these simple criteria. I have rented a duplex, the entire two-story duplex for two years until I realized that the house shook every time a train came through town. The train tracks were half a mile from the house. One month after leaving the house, the current tenant told me that the upstairs toilet fell into the basement. No wonder the house shook, yet I paid rent for two years faithfully.

I rented a trailer house in Southwestern Montana, only to have the Landlord enter and exit the home as he felt, make passes at me, and try to control who my visitors were. When I reported this to the local police department, they would not do anything, housing only gave him a slap on the wrist and I got my deposit back. Overlooking the fact that I was forced to help complete repairs such as replacing the sceptic tank, snow plowing during the winter when he was not on the property, tearing up an old deck, cleaning out past tenants debris from the shed I was paying rent on. I won't mention the fact that I did not have a working bathroom or kitchen that month, and driving to a gas station two miles away to utilize the toilet was not the best option.

I have had to fight to correct a mathematical error made by the Montana Department of Commerce, Housing Division that cost me seven hundred and fifty dollars, instead of returning the money to me, they had the property management put a credit on the books for me, forcing me to remain in an apartment with broken sewer lines under the concrete floor, with a smell so putrid that it permeated my clothing and still after four months of sitting in boxes in a shed, smell of mold, mildew and something else remains, despite the year and five months of washing before being put in a box. I moved from this apartment at the beginning of the Covid-19 Montana Stay at Home Order.

I was forced into that, Montana Department of Commerce, Housing Division Inspected twice and approved apartment during the 2019 Government Shut Down in January of 2020 (one of the coldest months of winter in Montana). Many rental units are placed on Craigslist, many of the pictures you see may or may not say a picture is of a similar unit. Do not trust the pictures, your unit may not be pictured as it may not be cleaned properly, or have had repairs made that were required from the previous occupancy. 

The Housing Inspector will overlook some things as it is difficult to find a unit that meets the criteria in every way. Housing Inspectors believe they are doing the right thing so families can find homes. This is untrue as it only encourages bad landlords to allow their properties to rot down around the tenant's ears. Ask for all maintenance reports covering two years, ask for the former tenant's name so you can call and check the property manager's references as well as the owners. Run a background check on those companies and owners to find anything that they may neglect to tell you not only about their business practices, but if they are the types of individuals you want to pay your money too.

They run background checks on tenants in order to protect their investment, well you are handing over your dollars to supply the means to keep the property up so make sure your money is being used properly. Landlords blame the tenants, tenants blame the landlords and property management companies. I blame code enforcement and housing inspectors, the buck is to stop at them as they are there to make sure the unit is habitable and worth the amount of money required to rent the place. If it does not meet standards, it should be turned into code enforcement and not allowed to be rented until the landlord complies.

Code enforcement should not allow buildings with outdated electrical and plumbing continued to be rented. The landlords will never update these items, nor clean heating ducts, furnaces, air conditioners until they are forced to comply with the codes and stop splitting hairs in the courts where most tenants can not afford to bring their complaint.

IMPEACHMENT TRIAL ONE YA-WHO'S OPINION

theconversation.com

"That's right, just another idiot with their own interpretation on the impeachment of the President of "these Divided  States"."

 I have tried my best to keep my mouth shut during the political upheaval of America, but I am so afraid and disappointed in the way the country is going that I can no longer keep my opinion to myself. "As if it matters!"  I understand that my little, opinion does not matter as it does not influence anyone to change their mind, take action, or even give a crap. Yet it is my first amendment right, so I am taking the opportunity to exercise it.

From the very beginning, I stood out here in the abyss shouting "The Emperor has no clothes", but no one noticed. I went and protested when Mr. Trump ( he is not my president, I did not vote for him) arrived in Great Falls, Montana for his July 5th rally.

https://www.rollingstone.com/politics/politics-features/donald-trump-mental-health-754139/

I question whether the Trump Administration has a clue of what they are doing, suppose to do, or are required to do? His camp seems to talk out of both sides of their mouths and then deny they spoke in the first place. I was taught as a child that "Honesty is the Best Policy". Isn't that what the First Lady's campaign is all about, "Be Best" for the emotional and social health of children? I thought the President would be an example of "how to act" not "how not to act" for his own wife's reputation.

Is this Trump's best? the best attempt at duping the American people? or truly and honestly the best he can run the country into the ground? There may already be irreversible collateral damage caused by the folks he put into temporary positions or had to leave their offices due to a conflict of moral ethics. Are we really going to be stupid enough to ask for another four years of lies, deceit, double standards, when the president is taking his own government to court for billions of dollars in damages? (Credit: revistanordeste.com.br/) Should this be a telltale sign to the American Public that Mr. Trump can not live up to the requirements of the position of President of the "United" States"?

 I have been assaulted on three jobs, much less important than the Presidency, yet I did not have a case for pain and suffering, why should he when the job he choose to apply for came with a state of mental or emotional strain or tension resulting from adverse or very demanding circumstances.

I can't wait for the State of the Union Address, it should be one of a kind. Personally, I would like to see Trump step down from office. Yet, I am nobody, just another Ya-who with an opinion.

Paying for the Privalage to Cause More Damage to My Herniated Disc, Only in Montana

https://photos.google.com/share/AF1QipPsjmFZRu9lvpKMtW4tQ0ozzKDkbMpGt7OnEJ5eGtlB_tjc3CLTEObIQ5M9ly4KtQ?key=R1NxOE5sTEh2elFfUUhyTWpsaFI1ZDRyWWxid0pn

823 N. Davis St, Helena, MT. January 10, 2020, 11:40 am. Door reported on Dec. 17, 2019

How long is a reasonable time to repair a door that is pulling away from the door cassing where it is attached by the hinges? Is it reasonable to expect a person with a chronic pain disorder, a herniated disk to lift the door in and out of the cassing just to enter and exit the property? Is this acceptable by HUD? Is this how our tax payer dollars are being spent? Allowing Landlords to ignor repairs that can be physically damaging to the tenant is not acceptable.

Where do you report these types of Landlords in Montana? No where, because there is no money in forcing the Landlord to repair his building (s). The attitude is if you don't like it move.

How can you move when the State of Montana Housing Division misscalculated your rent. You over paid your portion while Montana allowed you to. Upon discovering the error, Montana Housing will repay the portion you overpaid to the Landlord. Never mind the $750 you covered for Montana Housing's lack of ability in calculating rent should have been returned to the Tenant so that she could use it to move out of said apartment. No, that would be logical and reasonable. Montana Housing is not.

Who's Mean's Are Livable

President Scott Sales, R-Bozeman stated to the Great Falls Tribune in a May 1, 2019 article "We have to get back to the point where we live within our means to some degree."

It is here you as the reader will look at the means that I have to live within. From this exercise maybe some of you will have a better understanding of how important, Affordable, WorkForce, Low-Income or Government Subsidized housing is. Not only that may you also come to understand that living with Government Subsidies is no walk in the park, especially under this administration.

In order for me to live within my means, I must work only with the amount I receive from Social Security Disability, as I can only work 12 hours a week now. I don't know of an employer who has those kinds of hours to offer. So we have our $851 in hand and are ready to go out and get a place to live on our own, without government help or in a government-subsidized building. This means we will be looking at the real rental price and all the other bills that go along with it.

"The median monthly gross residential rent in Montana was $759 in 2017 according to the Census ACS survey.¹ Average gross rent was $772 in 2017. The median rent more accurately depicts rental rates in the middle of the distribution of rents and is thus preferred in the analysis below. 2018 Montana median and average rent data will be released in September of 2019."

Now, in 2017 the average gross rent was $772 a month of a one-bedroom apartment, $851-772=$79 left to pay utilities, auto insurance, food (as we can not use SNAP, we must live within our means), gas for the auto, phone service, doctor's visits, prescriptions, toiletries, and to feed our service animal. No cable tv, or internet, eating out, going to the movies, or even for a drive. $79 is not going to go very far, even in Montana where you don't have to have cash every day to ride a bus or park your car.

This scenario tells me I need to look for a lower-cost place to live as it is my biggest expenditure. So let's take a look at alternative living arrangements that can be done with $851 a month without breaking the bank.

To share an apartment with someone who has rented a place at $772 a month, we would have to pay half of that plus half of the utilities, Rent: $386 a month, lets say utilities run $100 a month, so we add $50 to the rent of $386 and we get $436 over half of my income so we know that is not going to work either.

Let's see what the math would be to live in a motel with monthly rates, the only one available is in Butte, that is a 68 mile drive, so we need to factor in the cost of gas to get there: 68 miles x $2.75 a gallon of gas= $19 or about 7 gallons of gas if we get 10 miles per gallon. Now the room for a month in Butte will be $119 a night for 31 nights plus $19 in gas to get there = $3,708 total just for housing a month. Well, that will never do.

Our next option is to look at campgrounds and sleep in our vehicle. Now in the state of Montana, there is plenty of places you can pull over and stay for free without having to be in the city limits, or you can stay at Walmart for the night for free and have sketchy things take place under the cover of darkness. These two choices fit our budget, but they do not allow for bathroom usage, we will need to haul water so we can clean and cook for ourselves.

To stay in an established campground for a night can cost you anywhere from $14 General to $7 a night if you are disabled and a senior, this cost is without electricity, and for a rustic site is $6 dollars a night for senior and disabled residents of Montana, $12 General. You are only allowed to stay 14 days in a campground, so we will have to move to another in two weeks. We want to get by as cheaply as possible, so we will take a rustic site at $6 a night (we won't factor in the gas this time as it will be less than $5 to move to a campground down the way). $6 x 31 nights stay =$186 for 31 days.

$851 monthly income - $186 monthly camping fees = $665 left to pay auto insurance, food, toiletries, gas, phone, groceries, doctors, prescriptions. Hmmmmm, it seems to me that this is well within my means.

Well, you can't camp in the winter! It's too cold! Waite a minute, it wouldn't be too cold if I had a portable electric car heater for the interior of the vehicle, no CO2 emissions as it runs off the cigarette lighter, there are more sweaters I can put on as well as build a fire, or drive into town and visit friends, family, walk around shopping centers, or go to the library during the day.

In this article, I hope that I have shown you what it means to live within my means. I would love to live this way for a year just to be able to save some money for a rainy day, but alas if you choose to live this way you can expect to have unwanted visitors thinking you are of the wrong element, need to receive mental health services  or should be run out of town before other's think they can do the same thing.

Some of the homeless are not really homeless, as they have chosen to live within their means and not put up with all the negative connotations about taking from Uncle Sam, using so-called "Entitlement" programs that actually control how much money you can make, save, and get yourself out of poverty. 

YOUR VOTE COULD SAVE LOW-INCOME HOUSING

“There are only 52 affordable homes for every 100 extremely low-income renters according to an analysis by the National Low-Income HousingCoalition. Montana would need to see an additional 16,467 housing units to make up for this shortfall⁠.[6] “, Quoted from the Montana Budget website back in 2016. Have we even come close to meeting even a thousand of those units? Maybe some of the poor can bunk in the barn with the cattle after all didn't the Trump Administration want all the cattlemen to calculate the amount of poop their animals contribute to the greenhouse gas problem?

Are we going to pay the low-income Disabled and Seniors for this job, or is the roof over their heads enough to demand they should just be grateful? Where are the contractors who are willing to put the all-mighty-dollar aside and give back to the people of this state that not only put bread on his table but the table of those who work for him? Are there any good Samaritans left in this arena or have they all been blinded by the bottom line?

Does it even matter that the most a vulnerable population is still facing a housing crisis? I am not sure it really does when HUD faces an 18% reduction in the https://www.montanabudget.org/post/2020-president-trump-budget 2019/2020 Presidential budget. In this budget, the president's request would eliminate 140,000 Home Choice Voucher's nationwide. All housing programs will be effected, $3.2 billion of those housing costs will become the responsibility of Seniors, Disabled, Working poor families who can not meet the demands of keeping up with the out-of-reach necessities while being forced to maintain luxury items like the internet to be able to update their information.

With the work requirements being attached to the supplementation of government funds the poor need, we still do not have enough affordable units for these people to move into. The cost of renting has become so far out of reach many of Montana's low-income people are considering living in camp trailers, or out of their vehicles as it is the only way they can afford, medical, food, and clothing just to be able to go to any job they are able to secure for themselves.

Working for $9.50 an hour at my temporary, seasonal job for six months out of the year, I was flabbergasted to learn that I needed to make sure that I worked 20 hours every week as my rent was based on the increase in income this job would have given me plus my social security disability benefit that I worked for over twenty-seven years. Thirty percent of this gross income goes to my landlord. What is the incentive for a person like me, who has a physical disability, as well as mental, am older, have managed to secure a temporary job not qualify for any of the work incentive programs that would allow the money I make be uncountable? Just because the state or some the county agency isn't getting paid to train me, or because my employer is the State, I do not qualify for any of the work requirement job training or placement programs.

I will no longer be able to work that $9.50 an hour job this winter, as I have been limited to 12 hours a week and no more than four hours a day at a desk job. It looks like this blog and whatever else I can find that might make income for me is the only choice I have. Now how will that affect my housing you ask? Your guess is as good as mine.

If things keep going the way they are in Washington, D.C. you will probably be able to find me at a local McDonald's, as I will be living out of my vehicle, and that will be where I can utilize the internet most often.

I hope that will not be true, but as the parade of mistakes, broken promises and injustices are trotted out in public once more this coming election year, let us remember They have not finished the job they started in 2016!

https://pixabay.com/illustrations/usa-vote-election-political-voting-1327119/

Let’s vote for those who can actually put a program together and finish it so that those in the present are left hanging and those in the near future continue to face uncertainty.

We can not continue to pretend that the housing crisis has been dealt with when so many people face the possibility of losing their housing because the United States Government has better use for those appropriated funds, and besides the majority of the population believes this will root out some of those who are illegally on these programs.

Do not forget that some of us who play by the rules will be squeezed out as well, just because we either fall in the age group where we should be able to train for another job or because the amount we receive in benefits is so nominal that it shouldn’t matter anyway.

You try and live off eight hundred dollars a month, find a job that is only 12 hours a week and would pay enough to warrant going there when everyone is taking their cut off the top of your total gross income regardless of who else has their fingers in your pockets. I just wish the pickpocket was a  homeless child than the United States Government.

QUESTIONS ABOUT HUD AND 24 CFR 5.609

Sometimes I can't help ask the question, especially when it takes everything I made from a part-time, temporary job, plus one thousand dollars in savings to pay the rent and get groceries. If I did not have the money in savings, I would not have been able to pay my rent for the month of June 2019. Why you ask?

Well, to tell you the truth I can not explain what happened. After all, I reported that my temporary, part-time, seasonal job with Montana Fish, Wildlife, and Parks would be ending May 24, 2019, on May 14, 2019, to the Montana HCV counselor that was assigned to me when I moved here, to the Capital City, Helena.

I was disappointed when the paperwork for the reduction in rent was not handled until June 24, 2019, which forced me to pay from income that I did not receive for half of May and for the entire month of June. I was told this was based on their need to turn the paperwork in by the 19th of the month, and I did not quit working until the 19th of May. Be that as it may, I turned in my end of employment in time for the Housing Authority to have gotten the correct paperwork to me in a timely manner.  I informed them through email and did not hear anything back from them until I called to find out what my rent would be for the month of June.

I was quite upset when I found out that I would have to continue to pay 30% from income that I was no longer receiving. I have tried to have the Housing Authority explain to me why this is? Why do I not qualify for the EID? Why medical bills that I now owe on were not taking into consideration when recalculating my income? I believe my income should have been disallowed under the 24 CFR 5.609 which speaks of income derived from a 12 month period. HUD has a special calculation they are to use for part-time work, which is generally also calculated for a 12 month period, you need to ask for recertification of income when you only work six months out of the year, or when you stop working.

Because I am disabled, I believe I should have at least qualified for the Earned Income Disallowance for Disabled Tenants, as I have used this benefit in the past two years, as I worked my part-time seasonal job and should have at least qualified for a 50% disallowance as this would be my third 12 month period, with only one more year that I could work and use this disallowance to keep my rent lower so that I could save some money.

Yet Helena Housing Authority Home Choice Voucher Counselor refuses to communicate through email to explain why I do not qualify or understand these rules. She insists we meet in person, and I would like a witness, but the Disability Rights CAP program does not seem interested enough in helping me, as they have not called back in response to my request for a witness in this instance.

I have contacted Senator Tester on this matter as he sits on the Appropriations Committee and helps to decide how much money HUD gets for these programs. His people sent me back to the Montana Department of Commerce Housing Division, and I sent the Agent there an email and have not heard back from them why I do not qualify for a fair hearing on this rent issue.

If anyone out there in internet land can tell me why I do not qualify for the EID, or why my income was not excluded under the 24 CFR 5.609 laws, and why I had to pay a higher rent with a lower income, why my own Housing Authorities will not allow me a fair hearing or even a complete answer to all my questions, then please email me with this explanation at snakewomanspeaks@gmail.com.

I do not understand, I thought I had a right to a fair hearing? I thought my Senator was to deal with Federal Issues and not sweep the poor under the carpet just because it's an election year. I guess I thought wrong. Does anyone have a van for sell that I might purchase because I can not afford to work and be a contributing citizen to society if the landlord gets every extra cent I earn and then some? But I can afford gas, a van, insurance and best of all I could work and be a productive member of society even though I am disabled. When does it pay to keep people locked into poverty?
It is sad when someone wants to work, but can only work a certain number of hours, can't work because the cost to get a job compatible with their disability will cost them more than they can make working.

217 YEARS AND NO CHANGE IN OWNERSHIP NOT ALWAYS A GOOD THING

HOW HUD CALCULATES RENTS

	Resident Training Academy: 2012 Curriculum All sessions are set for 6:00 PM ET (5:00 PM CT, 4:00 PM MT and 3:00 PM PT) Session 1: An Overview of HUD’s Key Rental Housing Programs (Tues-Thurs, April 10 and April 12) Learn about the Public Housing, Project-based Section 8, the Housing Choice Voucher Programs and HUD’s new Rental Assistance Demonstration (RAD) program. Material will focus on the similarities and differences among the programs and new developments within each. Session 2: Know Your Participation and Organizing Rights (Tues-Thurs, May 8 and May 10) Rights of residents under Section 964 (Tenant Participation and Tenant Opportunities in Public Housing), Section 245 (Tenant Participation in Multifamily Housing Projects) rules, and Resident Advisory Boards (RABs). Learn about your rights and also how organizers and residents may use the RAB process as a platform for organizing voucher-assisted residents. Session 3: Rent-Setting Policies (Tues- Thurs, May 29 and May 31) How does HUD arrive at your rent calculation?  Important definitions of income and reporting requirements. Session 4: Reasonable Accommodation (Tues- Thurs, June 19 and Jun 21) Forty-one percent of the families who live in HUD-assisted rental housing have a head of household or spouse with disabilities.  Learn about the laws related to reasonable accommodation and how residents with disabilities may use their rights to reasonable accommodation to obtain and remain in HUD-assisted rental housing. Session 5: Enforcement Tools for Residents (Tues- Thurs, July 10 and July 12) Enforcement of existing housing rights is key to residents’ ability to solve problems and self-advocate.  This session will highlight the available tools and how residents can use them. Please answer the following questions to help NHLP understand our Resident Training Academy audience and learn how we can best serve your needs. YOU'LL BE PROVIDED WITH SIGN ON INFORMATION FOR YOUR SESSIONS ONCE YOU SUBMIT YOUR REGISTRATION.

	Use the form on the right to reserve your Webinar seat. * Indicates a required field		This Webinar is held on the following dates: May 8, 2012 6:00 PM - 7:00 PM EDT May 10, 2012 6:00 PM - 7:00 PM EDT May 29, 2012 6:00 PM - 7:00 PM EDT May 31, 2012 6:00 PM - 7:00 PM EDT Jun 19, 2012 6:00 PM - 7:00 PM EDT Jun 21, 2012 6:00 PM - 7:00 PM EDT Jul 10, 2012 6:00 PM - 7:00 PM EDT Jul 12, 2012 6:00 PM - 7:00 PM EDT Show time in my time zone * First Name: * Last Name: * Email Address: * Address: * City: * State/Province: * Zip/Postal Code: Phone: Webinar organizers are prohibited from soliciting confidential personal information (credit card information, social security numbers, etc.) in the registration form. This questionnaire is not intended to handle sensitive data. Is this also your mailing address? If no, please provide. Are you a resident in a HUD affordable rental housing program? If no, skip to the next question. If yes, which program? Are you a member of a local tenant organization? If no, skip to the next question. If yes, what organization? Are you a community organizer or member of a local community advocacy organization? If no, pls skip. If yes, what organization? Will others be learning with you at the computer or on the phone? If yes, how many people? Are you attending all sessions? IF YOU DO NOT PLAN TO ATTEND ALL SESSIONS, PLEASE TELL US WHICH SESSION YOU WILL NOT ATTEND. Please list below any specific question related to the sessions listed that you'd like addressed. By clicking this button you submit your information to the Webinar organizer, who will use it to communicate with you regarding this event and their other services. View system requirements

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