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Christmas is going to be one unlike ever before with us currently enduring the most challenging and testing of years. Christmas dinners are without a doubt one of the main attractions of the festive period but before we get to that we have the small matter of present giving. Sometimes the best ones can be the smallest of Xmas gifts — which is where Christmas stocking fillers come in. These bad boys might not necessarily steal the show in terms of size but they can definitely make the biggest of impressions. The beauty of stocking fillers is that they can cost a lot less than some of the bigger presents around but they still go down a hit with the lucky recipient.

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Shandra Woworuntu arrived in the US hoping to start a new career in the hotel industry. Instead, she found she had been trafficked into a world of prostitution and sexual slavery, forced drug-taking and violence. It was months before she was able to turn the tables on her persecutors. Some readers may find her account of the ordeal upsetting.

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A Health Reimbursement Account , formally a Health Reimbursement Arrangement HRA , [1] is a type of US employer-funded health benefit plan that reimburses employees for out-of-pocket medical expenses and, in limited cases, to pay for health insurance plan premiums. An HRA is not truly an account, since it does not place funds under a separate legal title. Instead, it is an agreement under which the employee can submit qualified health expenses to the employer for reimbursement. Following implementation of the Affordable Care Act , HRAs must be integrated with a qualified employer-sponsored group health insurance plan to avoid excise tax penalties. In , qualified small employer HRA QSEHRA [6] were created which allows small employers to pay for premiums, including on the individual market such as through a health insurance marketplace , although the employees may not be eligible for subsidies.

Home healthcare is healthcare provided in the client's home. Home healthcare workers provide hands-on long-term care and personal assistance to clients with disabilities or other chronic conditions. Depending on their training and job duties, they help patients with activities of daily living such as meals, bathing, dressing and housekeeping, and may perform clinical tasks such as medication administration, wound care, blood pressure readings and range of motion exercises. Home healthcare workers may be employed by a home care agency or may be self-employed independent contractors working directly for patients. They have little control over their work environment which may contain a number of safety and health hazards.