Q Last December my sister asked me to co-sign on an apartment for her. I told her that I would. I left a message for her landlord saying who I was and that I was calling about co-signing for my sister.

Two weeks went by and my sister was allowed to move into the apartment. Her landlord asked for my contact information, which I wrote on part of the lease application.

He was then supposed to send me information and then contact me to discuss the situation. Shortly after this, I found out that my sister could not afford her apartment and was already late on her first payment.

I told her that I was not comfortable co-signing for her (as I was a relatively poor medical student at the time) and she agreed to get a different co-signer.

About one month later in mid-January I received co-signer agreements from her landlord, asking me to sign. I wrote him a letter telling him that I was not going to be the co-signer and that my sister was going to have someone else do it. He supposedly was fine with this as my sister did not hear from him again until she moved out.

At the time she moved out she was late on many charges and owed almost $1,600.

That landlord is now taking us to small-claims court for these outstanding charges, which I think my sister should pay. He says that I should be liable because I had agreed to co-sign for her and he would not have let her into the house if I hadn't done so.

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My argument is that we never even had a verbal, let alone written, agreement.

A Since you never agreed in writing to guarantee your sister's lease, the landlord should not be able to argue that you are responsible for her debt to the landlord.

Obviously, it was understood at the beginning that you would have to sign something in order to be held liable, and the fact that he never got your signature is pretty good evidence that you should not be liable.

You could also state that it is unfair for the landlord to try to hold you liable for an agreement that you never even got to see. I assume you usually read through something before you sign it, and since you never even got that opportunity, because you never saw an agreement until after you told him you were not co-signing for your sister, you should not be held liable for the $1,600.

If the landlord continues to mention the promise that you made, you can argue that the landlord, once he knew that you were not going to be liable for your sister's rent, should have immediately evicted your sister.

Since he allowed her to stay there, obviously the promise by you was not really the only reason he rented to your sister.

Q My lease specifies which vendor will clean my carpet upon my vacating the unit. I would like my deposit back without having to haggle over this issue.

A By signing the lease you agreed to the owner's terms of requiring the carpets to be cleaned by a particular company. The owner wants to make sure the cleaner is qualified.

If this is an issue for you now, you should contact the owner regarding cleaning the carpets and ask that he/she agree to a different company or perhaps let you clean it yourself.

Why the smile? Rahul Gandhi's expression as he took the blame for the Congress's defeat aroused anger in some quarters

On the night before the big CWC meet, Rahul Gandhi and a male friend went for a quiet dinner at a local Italian restaurant.

With a modest security presence, the beleaguered scion of the oldest political party in the country, who was being driven around in an old model Honda, seemed relaxed, almost normal.

Relieved? It's hard to say so given the inscrutability that marks the Gandhis - to their growing disadvantage.

However tellingly, Rahul, the man who could be Prime Minister, decided to spend the night before a career-defining meeting not in a huddle analysing the aftermath of this astounding electoral slaying, but by dining out.

This is not a judgment so much as an indicator of the increasing loneliness, and dare one suggest, reluctance of a man thrust into a role defined by history.

He has been judged a failure (though not on the record) by many within and outside the fold of his party, and would have to enjoy the insularity of Prince Siddhartha (later the Buddha, the enlightened one) not to have noticed.

Incapacity This election season has been bracketed by messages from him that defy political instinct. Starting with the "tearing up" of the ordinance and ending with skipping Manmohan Singh's farewell dinner.

However, just a little over a week ago in Kashi the same man had Muslim women climbing onto the roofs of their homes to shower rose petals on him.

This leads one to question not his celebrity, which was evident to all those who were in Kashi that heady day, but his ability to deliver votes for the Congress.

Thanks to the Modi factor, Ajay Rai, the Congress candidate, got a dismal 75,614 votes and came in third. But then again, was he only being used as per the conditions that seem to underline the transactional relationship between the Gandhis and the Congress party?

Rai was not a winning candidate. Whilst some voters did like him, he was not respected by anyone as a leader.

Known to be a "bahubali" and a political opportunist, he had traded in the Bhumihar votes of his community for support from the man accused in the killing of his own brother.

As their procession glided by, some kids commented on Rai's "mafia" status and asked why Rahul was with him. Out of the mouths of babes – what was Rahul Gandhi doing supporting a man known for his unsavoury past? Did it not at a very basic level negate all that he claimed to stand for?

It is this kind of schizophrenic non-verbal dialog that Rahul has with the people of this country that defeats his "communication" strategy. This is but one example.

UPA chairperson Sonia Gandhi has long tried to shield her son - and he has operated in her shadow

Shielded Rahul Gandhi, by most accounts, was genuine in his attempts at bringing democracy to a deeply fractured, sycophantic party, despite internal opposition. This electoral failure will have set that process of inner democratisation back.

For a party lacking in imagination, he will now be called upon to be more like Modi, exercise tighter control and lead the party from the front.

For the outside world, he will remain an entitled "lost cause" forever shielded by the same sycophancy that he is seen to reject in speech and yet nurture with actions.

Rahul, who has been quick to take offense at Modi's taunt of shehzaada, failed to see the piercing insight behind it. It was not a disparaging reference alone, but also a collective noun. The culture of sycophancy has birthed many shehzaadas in the Congress, right down to the grassroot level.

An on-the-ground survey of Kashi was enough to display how little work was being done, but for the day before Rahul's rally when fancy SUVs with Congress flags were spotted zipping around town as other political parties carried out pad yatras.

This culture of patronage has hollowed out the grand old party. More... At last, the Modi moment: Tears of India's new PM as he promises to lead a government 'for the poor' WHIPLASH: Modi can help India get over its US obsession

Indulged A screen of collective hubris has shielded Rahul Gandhi in his ten-odd years in political life. He is accommodated as a necessity but not a leader (as loosely defined as the term may be, or as often used).

That he could not stand up to a man with multiple terms of successful chief ministership behind him, over a dozen years of battling adverse public opinion and the courts and decades in political life, is unsurprising if you change the prism through which you view an even contest.

But who will, with honesty and humility, admit to the unfairness of such a match-up?

If this were a straightforward job application, would Rahul Gandhi - given his current experience - qualify to be Prime Minister?

In all fairness, he seems to know the answer to that and has resisted the call of "duty" demanded of his lineage.

But do those around him take him seriously or familiarise him with ground realities? Even when he does what is right, he is weighed down by perception. Why else would his declining of high office be construed as escaping responsibility?

Rahul Gandhi may well be a brat, or a misunderstood well-meaning man, but it is clear that no matter what the party says he is not a leader of appeal going by these results.

Not in the eyes of the country, or its young people whose icon the Congress insists he is. Not as yet, anyway.

To be accepted as a leader of this country is a far greater challenge than being one of a political party that is tied to you in a relationship of mutual gratification.

A vibrant democracy will need a constructive opposition in parliament, and while on the one hand one celebrates a decisive verdict, on another, the lack of a credible opposition is one of concern.

The road ahead will be a relatively lonely one, but if Rahul understands that the conundrum of being him is that - despite his dynastic privileges - he fails repeatedly at being his own man, he may have taken the first step.

(The writer scripted the story of the critically acclaimed film Kahaani)

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Shell be presenting pieces at a booth at the Double Decker Arts Festival in Oxford this weekend."Everyone has a t-shirt with a coffee stain that sits in the back of her closet," says Nancy Lublin, CEO and "Chief Old Person" at DoSomething.Doesnt look that way: New Yorks apparel-making employment in March was 2 percent lower than a year ago, according to BLS data.

She's aiming for something "hip and edgy" with her new venture.So Im bringing my expertise to them, saying We tried that and it was a disaster, so dont try that, do this.So we decided to fix it.But that mix of fashionable and inexpensive has built the chain (which first opened in Dublin in 1969) into 200 stores in the British Isles alone, with dozens more on the continent.

What was your inspiration for the brand?Fans nicknamed it "Primarni," an amalgamation of the store's name and Italian designer label Marni.According to the Bureau of Labor Statistics, total employment in March stood at 136,000less than half the total a decade earlier.Eva's moved its shop to Fayetteville as well.

I would say I hope the game is great for the sake of this overpriced clothing, but I don't give a crap about the clothing line.But even before that, Jones has allegedly been working to eviscerate the Rachel Roy designer-line brand by abruptly shutting down its operations, firing personnel that run the business, and stonewalling all efforts by Ms.
 

The torch has been passed to a new generation of Americans," Jack Kennedy famously said in his 1961 inaugural address, a phrase once swollen with optimism and American pride.  

It may be tempting for President Obama to use this same expression now to describe Health and Human Services Secretary (Baby Boomer) Sebelius handing off the HHS secretarial torch to her apparent (Generation X) replacement, Sylvia Burwell, but such a sentiment would be false optimism.

It is time for a physician or an expert in health care to administer Health and Human Services, not another numbers-massaging manager, no matter how able.
It is time for a physician or an expert in health care to administer Health and Human Services, not another numbers-massaging manager, no matter how able.

It is easy to forget that Secretary Sebelius was once Kansas Insurance Commissioner. This qualified her to administer health insurance, not health care.

Though she certainly helped to fumble the ObamaCare website rollout, an even greater misdeed was her inability to anticipate how the arrival of ObamaCare could translate into less care and less access and higher premiums for those who already have insurance.

HHS stands for "Health and Human Services," not Health and Insurance Services. Only a doctor who deals with ObamaCare every day can attest to the problems the growing insurance bureaucracy pose to actual patient care.

Here are some actual questions that come up in my office:  

1. Is that patient eligible to see Dr. Siegel or is his insurance expired?

2. How come Dr. Siegel is listed as a Blue Cross provider but is not part of the Blue Cross network for policies offered on the state exchange?

3. Can Dr. Siegel's patient Victoria Scott afford the care she needs for her thyroid condition when she has a whooping deductible (almost $6000) on her Bronze plan?

It hardly matters to doctors and their patients what the cumulative numbers are for new enrollees on the state exchanges, and how many of these folks were actually uninsured beforehand (the latest RAND data suggests less than half). What matters most is what kind of care these patients can get and at what cost, and whether we doctors can still afford to take care of them.

Sylvia Burwell said at a recent Atlantic magazine event that the Affordable Care Act “is about improving access…about improving the quality of health care.”

Unfortunately, there is no evidence that the new law does either one.

Contrast Burwell’s abstract statement to the practical wisdom of Senator John Barrasso, M.D., a practicing orthopedist for many years and former Wyoming Physician of the Year.

He wrote in Investor’s Business Daily about how ObamaCare interferes with the real world doctor/patient relationship: “I continue to hear from my patients in Wyoming. They have always had my home phone number. They are anxious and angry. They know what they wanted from health care reform: access to quality, affordable care…That's not what they got with this law. Now, many face losing the doctor who has always been there for them.”

Dr. Barrasso would make a terrific HHS secretary, unfortunately, President Obama would likely never consider such a move.

Sylvia Burwell may be a capable budget director, and her track record with the Clinton administration, the Gates and Walmart Foundations certainly shows that she is an able politician, but where is the evidence that she can manage a health care system that is becoming more complex by the day?

In the era of personalized health care, where genetic advances in cancer research and risk assessment predict both diseases and their expensive treatments on a patient by patient basis, the one-size-fits-all insurance model is becoming increasingly out of date. The more complex our health care solutions, the more unaffordable or inadequate ObamaCare will be.

Sylvia Burwell may do a better job presenting the latest insurance numbers to the public, but she will be no more qualified in deciding whether an 11-year-old like Sarah Murnaghan should get a life-saving lung transplant with adult lungs than Kathleen Sebelius was.

HHS needs a physician or at least a bio-engineer to navigate through the treacherous ObamaCare waters, not another insurance expert to sell us yet another policy to cover our mammograms and our colonoscopies even as our collective ship sinks


Dr. Marc Siegel, a practicing internist, joined FOX News Channel (FNC) as a contributor in 2008.

From https://www.foxnews.com/opinion/2014/04/23/doctor-not-bureaucrat-should-be-in-charge-health-and-human-services/