Cash – Online Subtitrat http://onlinesubtitrat.biz/ Fri, 01 Oct 2021 09:29:05 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://onlinesubtitrat.biz/wp-content/uploads/2021/05/cropped-icon-32x32.png Cash – Online Subtitrat http://onlinesubtitrat.biz/ 32 32 COLUMN-The generosity of US pension lawmakers is just a starting point to strengthen pension security https://onlinesubtitrat.biz/column-the-generosity-of-us-pension-lawmakers-is-just-a-starting-point-to-strengthen-pension-security/ https://onlinesubtitrat.biz/column-the-generosity-of-us-pension-lawmakers-is-just-a-starting-point-to-strengthen-pension-security/#respond Thu, 08 Apr 2021 02:38:34 +0000 https://onlinesubtitrat.biz/column-the-generosity-of-us-pension-lawmakers-is-just-a-starting-point-to-strengthen-pension-security/ (The views expressed here are those of the author, columnist for Reuters.) By Mark Miller CHICAGO, April 1 (Reuters) – The United States Congress recently saved the retirements of more than a million workers who risked losing the pensions they had earned and promised. The American Rescue Act, enacted last month by Democratic President Joe […]]]>

(The views expressed here are those of the author, columnist for Reuters.)

By Mark Miller

CHICAGO, April 1 (Reuters) – The United States Congress recently saved the retirements of more than a million workers who risked losing the pensions they had earned and promised.

The American Rescue Act, enacted last month by Democratic President Joe Biden, allocated $ 86 billion in grants to struggling multi-employer pension funds, which would allow them to continue paying full benefits. The law allows the Pension Benefit Guaranty Corporation (PBGC) to provide the grants, which do not need to be repaid.

The generosity of the movement was a surprise. Previously, Democrats had offered a low-interest loan package to help multi-employer funds, while Republicans wanted to increase insurance premiums paid by employers, add new premiums paid by plan members and impose more conservative accounting assumptions.

But the Democratic majority sees it a little differently this year. “They felt that since we’ve bailed out the banks and the airlines over the years, why don’t we do it here? We have the votes, ”said Gene Kalwarski, CEO of Cheiron Inc, an actuarial consulting firm that advises multi-employer plans.

The bailout makes sense. Multi-employer plans are created by collective agreement and jointly funded by groups of employers in industries such as construction, trucking, mining and food retailing. Funds declined following the stock market crashes of 2001 and 2008-09, and due to industrial decline which led to consolidation and declining employment. In addition, the financial problems of the pension plans also threatened the health of the PBGC (https://reut.rs/3st48KT).

But as long as Congress takes a benevolent eye on the well-being of these retirees, I have a short list of other “must-do” retirement items for lawmakers to take. And these are reforms that will impact a much larger – and more demographically diverse – retiree group today and in the years to come than the multi-employer plan solution.

EXTEND SOCIAL SECURITY

The economic devastation caused by the pandemic makes expanding our only universal retirement income program essential. As a presidential candidate, Biden has proposed a series of moderate expansions that should be enacted. One would provide social security benefit credits to caregivers for time spent out of the workforce – a change that would particularly benefit women, who already face a large gender gap in retirement.

The president also proposed extending benefits for widows and the elderly who had received payments for 20 years. He is also in favor of moving to a more generous criterion for determining the annual adjustment of the social security cost of living.

REDUCE THE AGE OF MEDICINE

Outside of Medicare for All, making Medicare accessible to young workers is the smartest way to expand the program (https://reut.rs/39j8uga). And with millions of Americans retiring earlier than expected due to the pandemic, the expansion would help them control their healthcare costs.

Senator Bernie Sanders is pushing to reduce the age of Medicare eligibility from 65 to 60 or younger as part of the big infrastructure spending bill that is now taking shape. His proposal would also add dental, vision and hearing care to Original Medicare. This change would fill a gap in coverage that makes absolutely no sense, given that these services are an essential part of overall preventive good health (https://reut.rs/3waEtc3).

REDUCE THE RISK OF LONG-TERM CARE

Medicare should also be expanded to include long term care coverage. This remains one of the biggest gaps in our retirement insurance net: The commercial insurance market continues to shrink and Medicaid remains the biggest payer – and the one of last resort.

The smart solution would add a base of coverage to Medicare, with all workers contributing throughout their working lives. This could be associated with streamlined and cheaper private policies that could be sold as supplements to basic health insurance.

This approach was proposed by several bipartite research groups in 2016, and it’s an idea worth revisiting (https://reut.rs/3u5430w). And the 2021 Medicare for All law recently introduced in the House of Representatives provides comprehensive long-term care coverage for the elderly and people with disabilities.

ESTABLISHING AFFORDABLE SENIOR HOUSING

The share of households headed by someone over 65 will rise from 26% in 2018 to 34% in 2034, according to the Joint Center for Housing Studies at Harvard University – and the share of households aged 80 and over will increase further faster.

The country’s housing stock is far from ready to welcome this wave of age. A small percentage of housing units have age-appropriate modifications such as single story living, step-free entry, and extra-wide hallways and doors for wheelchair access.

And affordability is a critical issue. Nearly 10 million retirement-age households face housing-related financial burdens, which means housing consumes more than 30% of their income, according to Harvard. Homelessness among the elderly is on the increase (https://reut.rs/3cuDCLJ).

Increased funding for the Section 8 housing subsidies would help, along with increased funding for the Low Income Housing Tax Credit program and increased funding for Section 202 (Program Housing Support Services for the Elderly), which has historically funded new construction as well as operating costs for housing for the elderly, said Jennifer Molinsky, senior research associate at the Harvard center.

“We need both more rent assistance and more funding to expand the supply of affordable housing,” she said.

(Written by Mark Miller Editing by Matthew Lewis)


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Can Apple’s $ 1.5 Billion Green Bond Inspire More Environmental Investments? | Sustainable business custodian https://onlinesubtitrat.biz/can-apples-1-5-billion-green-bond-inspire-more-environmental-investments-sustainable-business-custodian/ https://onlinesubtitrat.biz/can-apples-1-5-billion-green-bond-inspire-more-environmental-investments-sustainable-business-custodian/#respond Thu, 08 Apr 2021 02:38:13 +0000 https://onlinesubtitrat.biz/can-apples-1-5-billion-green-bond-inspire-more-environmental-investments-sustainable-business-custodian/ OOn the surface, green bonds seem counterintuitive: why would a company willingly take on debt to finance environmental efforts? But Apple’s recent decision to issue your first green bond suggests that this type of investment could play a key role in controlling global warming. Apple’s $ 1.5 billion green bond, announced last month, will fund […]]]>

OOn the surface, green bonds seem counterintuitive: why would a company willingly take on debt to finance environmental efforts? But Apple’s recent decision to issue your first green bond suggests that this type of investment could play a key role in controlling global warming.

Apple’s $ 1.5 billion green bond, announced last month, will fund several initiatives, including the company’s conversion to 100% renewable energy, the installation of more energy efficient heating and cooling systems and an increase in the company’s use of biodegradable materials. A green bond, like a typical bond, is simply a way to borrow money, but it is issued specifically to finance environmental projects.

Apple’s green bond reflects a growing concern among businesses about the economic impact of climate change. Companies are responsible for the majority human-made greenhouse gas emissions, which raise average temperatures around the world and affect the bottom line of many companies. Some, including Apple, realize the need to invest in environmental resources, such as watersheds or forests, to protect sources of their products.

Lisa Jackson, Apple’s vice president of environment, policy and social initiatives, told Reuters that the company decided to issue its green bond after the December United Nations climate summit in Paris, during which hundreds of companies pledged to fight climate change. With its sale of bonds, Apple became the largest U.S. company to issue a green bond – although Toyota still holds the crown of the largest corporate green bond ever offered in the U.S. with its $ 1 green bond. , $ 75 billion issued in 2014.

Global sales of green bonds, including corporate and government bonds, since 2012. Photograph: Climate Bond Initiative

The green bond market is still in its infancy. According to Climate Bonds Initiative, a UK non-profit organization that follows the market, the first green bond was issued in 2007, and the first corporate issue only took place in 2013. Since then, a handful of leading companies plan have jumped on the bandwagon, including EDF, a French electricity company, and Bank of America, which used the proceeds of lending money to cities and other businesses for the installation of solar panels, wind turbines and LED lighting.

For global businesses, changing operations to cope with the impact of climate change takes a lot of time and money. As a result, many companies have traditionally been unwilling invest in renewable energy or other climate projects without a significant return on investment. For example, Apple will have to raise billions of dollars to achieve its ambitious plans to reduce its environmental impact. Last year he pledged to spend $ 848 million over 25 years purchase enough solar power to offset all the electricity used in its business and retail operations in California.

While green bonds have been commonly used to fund renewable energy projects, an increasing amount of money is going to projects that help offices and other buildings use water and other energy more efficiently, said Andrew Whiley, spokesperson for Climate Bonds Initiative. Electric cars and low-carbon transportation are also becoming popular, he added.

Globally, the green bond market is expected to continue to grow. According to the Climate Bonds Initiative, the market, including government-issued bonds, reached an all-time high of $ 41.8 billion in 2015, up from $ 36.6 billion in 2014 and $ 11 billion in 2013. The HSBC financial services company plans between $ 55 billion and $ 80 billion in green bonds will be issued worldwide in 2016, while the Climate Bonds Initiative estimates sales will exceed $ 100 billion.

Toyota’s green bonds demonstrate growing investor interest in transport in particular. The company has issued two green bonds totaling $ 3 billion since 2014 and has used the money to finance rentals and loans for its fuel-efficient cars, which it defines as those that drive 35 miles per gallon or use engines. hybrids.

Clinton Moloney, head of sustainability advice at PricewaterhouseCoopers, said as the effects of climate change became increasingly devastating and widespread, green bond projects could become more complex. For example, the proceeds can be used to build a sea wall to help protect the San Francisco Bay from rising sea levels, or to restore marshes that help absorb runoff during a major storm. .

“We can do environmental projects that use concrete and steel, or we can also think of nature-based solutions,” Moloney said. “The evaluation of these projects needs to be more sophisticated. This is where we are headed.

Another issue facing green bonds is transparency. For investors who are not only interested in making money, it can be difficult to determine the environmental impact of their investments while ensuring that the money is spent as promised. As a result, a number of organizations have developed rules and measures to help both corporate borrowers and investors track and understand how money is spent.

One of those efforts comes from the International Market Association, which has worked with investment banks or other investment firms such as JPMorgan Chase, BlackRock, and the World Bank to create a set of guidelines called the Principles of green bonds. The guidelines define the types of environmental benefits that could be covered by a green bond, such as pollution reduction or wildlife conservation. They also recommend an annual report by bond issuers on how they are using the proceeds.

“The more confidence investors can have in the green good faith of a project, the better the market will perform,” said Moloney of PricewaterhouseCoopers.

For its part, Toyota communicates directly with investors to ensure the transparency of its green bonds. To show investors that its green loan money is being spent correctly, it publishes a monthly report to show the amount spent on leasing and loans for qualifying models, like the Prius.

“Investors were able to see how the funds were deployed and make their own decision, [and] if it was what we promised, ”said Adam Stam, National Head of Secured Finance at Toyota Financial Services.

  • This article was amended on March 20, 2016 to correct the spelling of the phrase “reining in”.


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Banks Allowed to Pledge HDB Home Loans to MAS to Improve Access to Credit Amid COVID-19 Economic Fallout https://onlinesubtitrat.biz/banks-allowed-to-pledge-hdb-home-loans-to-mas-to-improve-access-to-credit-amid-covid-19-economic-fallout/ https://onlinesubtitrat.biz/banks-allowed-to-pledge-hdb-home-loans-to-mas-to-improve-access-to-credit-amid-covid-19-economic-fallout/#respond Thu, 08 Apr 2021 02:38:00 +0000 https://onlinesubtitrat.biz/banks-allowed-to-pledge-hdb-home-loans-to-mas-to-improve-access-to-credit-amid-covid-19-economic-fallout/ SINGAPORE: Financial institutions will be allowed to use their collateral in Housing and Development Board (HDB) apartments as liquidity collateral from the Monetary Authority of Singapore (MAS), as part of the government’s plan to improve their access to central bank financing in the midst of the COVID-19 crisis. The new rule is part of the […]]]>

SINGAPORE: Financial institutions will be allowed to use their collateral in Housing and Development Board (HDB) apartments as liquidity collateral from the Monetary Authority of Singapore (MAS), as part of the government’s plan to improve their access to central bank financing in the midst of the COVID-19 crisis.

The new rule is part of the amendments to the housing and development bill adopted on Tuesday, October 6.

During the second reading of the bill, Minister of National Development Desmond Lee said that although Singapore’s banks have healthy liquidity reserves, better access to credit will strengthen their resilience in the face of current economic headwinds and constitute a “preventive measure”.

“Strong and stable banks are better placed to meet the financing needs of individuals and businesses in Singapore,” he said, adding that the practice of accepting residential real estate loans as collateral for liquidity is an established practice among the country’s major central banks. the world.

“The timely and abundant provision of liquidity by MAS can anticipate and ease liquidity strains in banks, thereby reducing the likelihood of spillovers to the wider economy,” he added.

This change will not affect the rights of HDB apartment owners to their apartments, nor will it change the terms and conditions of their home loans, Lee said. Apartment owners will continue to service their home loans with the approved financial institution during the period the collateral is pledged to MAS.

“In the very unlikely event that an approved financial institution does not repay its MAS loan, MAS will take over residential real estate loans and HDB apartment owners will be asked to redirect their loan repayments to another approved financial institution. appointed by MAS. he said.

The current rate of NPLs remains low and stable at around 0.5% despite the weak economy, he said, in response to MP Louis Ng’s question about the default rate. home loans.

MP Nadia Samdin asked if using HDB loans as collateral would increase pressure on banks to foreclose loans with unpaid arrears. Mr Lee said the new liquidity facility does not affect the way banks manage their residential real estate loan portfolios.

READ: Borrowers will have more time to repay their loans as MAS extends financial relief measures

“As banks now have access to an additional layer of liquidity assurance provided by MAS, their ability to cope with liquidity stress should in fact be enhanced,” he said.

TAKEOVER OF THE APARTMENTS

Another update to the bill is to expand HDB’s power and allow it to make forced apartment acquisitions when owners intentionally make misleading or false statements, or distort facts in the transfer of ownership. of the appartment.

Currently, the agency is allowed to repossess an apartment if the owners commit major offenses, such as unauthorized subletting, or if they were dishonest in purchasing the property.

Mr Lee said the amendment was intended to strengthen HDB’s position to seize the unit as a last resort if the owners “prove uncooperative and refuse to regularize the ownership of the property.”

“Such powers are needed to enable HDB to take proportionate action against the very small minority of apartment owners who flout HDB’s rules, and to protect the limited supply of public housing for those in need,” did he declare.

It will not be used against owners who did not know they had misrepresented or misrepresented facts, Lee assured, in response to MPs’ concerns over whether the compulsory acquisition action is too much. severe, especially if the owner accidentally gave false information in their HDB requests. .

READ: Individuals can request postponement of home loan and payment of insurance premiums amid COVID-19: MAS

“HDB will not exercise its powers to compulsorily acquire apartments lightly, and will generally only consider such action as a last resort in flagrant or serious cases, and when the owners of the apartment refuse to regularize the ownership of the apartment, ”Lee said.

When asked by lawmakers whether the revisions to the law were due to an increasing number of misrepresentation or misrepresentation, Mr Lee replied that it was not.

Instead, the new wording is a preventative measure to deter potential infractions in connection with the transfer of ownership of an apartment, he said.

The third main change in the bill is to increase the number of seats on the board of directors of HDB from 12 to 15.

Mr Lee said this would allow the agency to bring more diverse perspectives and expertise to provide better housing and a better living environment.

“These efforts will benefit from new knowledge, for example, in the areas of new technologies that can help us develop greener, smarter and more sustainable cities, and in the area of ​​health and aging issues to guide our efforts to offer a quality living environment. environment for an aging population, ”he said.

MARK THIS: Our comprehensive coverage of the coronavirus outbreak and its developments

To download our application or subscribe to our Telegram channel for the latest updates on the coronavirus outbreak: https://cna.asia/telegram


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Watchdog has received over 1 million disaster loan fraud reports, House committee says https://onlinesubtitrat.biz/watchdog-has-received-over-1-million-disaster-loan-fraud-reports-house-committee-says/ https://onlinesubtitrat.biz/watchdog-has-received-over-1-million-disaster-loan-fraud-reports-house-committee-says/#respond Thu, 08 Apr 2021 02:37:31 +0000 https://onlinesubtitrat.biz/watchdog-has-received-over-1-million-disaster-loan-fraud-reports-house-committee-says/ Video Above: Florida Man Arrested After Allegedly Fraud A P3 For About $ 4 Million The Small Business Administration Watchdog Has Received Over One Million Referrals For Alleged Fraud In Loan Programs helping small businesses, including referrals for identity theft, according to an analysis released Thursday by the House select committee examining the federal response […]]]>

Video Above: Florida Man Arrested After Allegedly Fraud A P3 For About $ 4 Million The Small Business Administration Watchdog Has Received Over One Million Referrals For Alleged Fraud In Loan Programs helping small businesses, including referrals for identity theft, according to an analysis released Thursday by the House select committee examining the federal response to the coronavirus crisis. The SBA has sent its Office of Inspector General 1.34 million referrals for potential fraud in loans and advances borrowed from the Economic Disaster Lending Program, the House Subcommittee on the Crisis of Canada wrote. coronavirus. a memo. The latest analysis shows the extent of potential small business loan fraud under the Trump administration. The House select committee says the Trump administration’s “mismanagement” of small business aid programs has led to nearly $ 84 billion in potentially fraudulent loans. Disaster lending program loans and advances. The vast majority – $ 67.5 billion – went to applicants with duplicate addresses, emails, IP addresses and bank accounts. Recovered $ 626 million – less than 1% – of the nearly $ 84 billion in potentially fraudulent loans in the two small business loan programs, according to the committee. to PPP or EIDL programs, ”the committee said in its analysis. The committee argued that the Justice Department may need additional staff to “continue to effectively investigate and prosecute” cases of fraud in small business assistance programs. The SBA’s OIG also received 148,525 hotline complaints – a 19,500% increase over previous years – related to the two loan programs. The OIG receives approximately 700 to 800 online telephone complaints in a typical year. More than 400 of the total complaints have resulted in investigations, while 73,758 remain unresolved as of March 18. On March 18, the OIG also deals with more than 200 initiate investigations related to the PPP or EIDL. The memo’s release precedes the House subcommittee hearing Thursday with SBA Inspector General Mike Ware, Pandemic Response Accountability Committee Chairman Michael Horowitz, and Government Accountability Office Director of Markets financial and community investment William Shear. The Special House Subcommittee on the Coronavirus Crisis was formed last year to have broad oversight and investigative power to probe the federal response to the COVID-19 pandemic.

Video above: Florida man arrested after allegedly defrauding PPP for around $ 4 million

The Small Business Administration watchdog received over 1 million referrals for alleged fraud in loans from small business assistance programs, including referrals for identity theft, according to an analysis released Thursday by the House select committee examining the federal response to the coronavirus crisis.

The SBA has sent its office of the inspector general 1.34 million referrals for potential fraud in loans and advances borrowed from the economic disaster lending program, the House subcommittee on the crisis wrote. coronavirus in a memo.

The latest analysis shows the extent of potential small business loan fraud under the Trump administration. The House select committee says the Trump administration’s “mismanagement” of small business aid programs has led to nearly $ 84 billion in potentially fraudulent loans.

According to the committee, the most recent SBA OIG analysis found that $ 79 billion was distributed in loans and advances from the potentially fraudulent economic disaster lending program. The vast majority – $ 67.5 billion – went to applicants with duplicate addresses, emails, IP addresses and bank accounts.

A committee analysis last year identified more than $ 4 billion in fraudulent paycheck protection program loans.

So far, the Justice Department has clawed back $ 626 million – less than 1% – of the nearly $ 84 billion in potentially fraudulent loans in the two small business loan programs, the committee said.

On Tuesday, the justice ministry “indicted 173 criminal cases involving 242 defendants for violations related to PPP or EIDL programs,” the committee said in its analysis.

The committee argued that the Justice Department may need additional staff to “continue to effectively investigate and prosecute” cases of fraud in small business relief programs.

The SBA’s OIG also received 148,525 hotline complaints – a 19,500% increase from previous years – related to the two loan programs. The OIG receives approximately 700 to 800 online telephone complaints in a typical year.

More than 400 of the total complaints have resulted in investigations, while 73,758 remain unresolved as of March 18. The OIG, as of March 18, is also dealing with more than 200 open investigations related to the PPP or EIDL.

The memo’s release precedes the House subcommittee hearing Thursday with SBA Inspector General Mike Ware, Pandemic Liability Committee Chairman Michael Horowitz, and Director of Financial Markets and Investments. Community Investments from the Government Accountability Office, William Shear.

The Special House Subcommittee on the Coronavirus Crisis has been formed last year to have broad surveillance and investigative power to probe the federal response to the COVID-19 pandemic.


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The ballad of Ken Bone https://onlinesubtitrat.biz/the-ballad-of-ken-bone/ https://onlinesubtitrat.biz/the-ballad-of-ken-bone/#respond Thu, 08 Apr 2021 02:37:10 +0000 https://onlinesubtitrat.biz/the-ballad-of-ken-bone/ Ken Bone, even alive and breathing. (PAUL J. RICHARDS / AFP / Getty Images) There was so much to say in the second presidential debate between two highly controversial candidates. Yet amid the chaos of personal attacks and foreign policy, hope has emerged. Ken Bone, an ordinary human being, was thrown into the national limelight […]]]>

There was so much to say in the second presidential debate between two highly controversial candidates. Yet amid the chaos of personal attacks and foreign policy, hope has emerged. Ken Bone, an ordinary human being, was thrown into the national limelight after asking a boring question while dressed for a teddy bear’s picnic, and rose to world fame, literally overnight. .

This electoral cycle has been long, painful and very confrontational. Who would have guessed that a red sweater would unite us all? The fun visual distraction was a welcome respite from the poisonous political rhetoric, and as soon as it emerged, Ken’s likeness began to circulate on Twitter, garnering praise and love. In a few hours, he was no longer human but even. A grandfather fashion sense, a round face adorned with a mustache and a name ripe for the sexual metaphor; it’s like Ken is destined for internet stardom.

His image was photoshoped in the Barack obama “Hope” poster, Ken Bone Halloween costumes were purchased and exhausted, and his Twitter followers went from 7 to 249,000. Adored, gently mocked and even suggested as a political candidate, the love for Ken Bone has never stopped blossoming. Ken was interviewed and thousands of people cared about what he had to say. They wanted to know what he thought about the election and the political process as a whole. They wanted to know more about the red sweater, and it turned out Ken had ripped the pants off his undoubtedly adorable olive green suit and had to resort to the now iconic sweater. Ken the human meme was cute, goofy, and cuddly, and during such a difficult and angry time in American history, it was refreshing to contemplate the chubby face of sweet innocence.

And then came the Reddit AMA. Ken, a longtime Reddit user, hosted a “ask me anything»Session for his new fans. Ken turned out to be a lovely host with extensive knowledge of internet culture and a self-deprecating sense of humor. But recklessly Ken used his real Reddit username and sure enough the masses opened the box to see who their sane hero really was. Inside was a treasure trove of harmless sins. A comment was left on a pregnancy porn subreddit describing expectant mothers as “beautiful human subs”. There was an admission to see nude photos of Jennifer lawrence and enjoy it. It was then that Ken Bone committed felony insurance fraud. There was even a comment describing the Trayvon Martin shooting as “justified”, although he said he was not a fan of George Zimmerman.

The inevitable backlash has begun. Upon learning that their meme was an actual human being with unhealthy thoughts, desires, and opinions, many began to condemn the man in the red sweater. He was accused of being ignorant, awful and shabby. He was even accused of sell, (already) for daring to promote Uber using its newfound fame in exchange for a few free rides.

Unfortunately, there are no free rides. Fame comes at a high cost, and Ken has now reached celebrity level simply for wearing a sweater. Millions of attention-hungry men and women spend their entire lives searching for a place on the pedestal where Ken sits, a place that has been given to him without his desire or consent.

The fame means that Ken Bone is now in the bizarre and unenviable position of having to explain his history on the Internet to complete strangers. He has since clarified his comments on the Trayvon Martin case, tweeting “I do not endorse the filming of Trayvon Martin.” Justifiable means legal, not fair. He condemned gun violence. He defended his sexual tastes. While he still has plenty of followers, others find his prolific presence on their screens boring and now look to Ken, as if he is running a multi-million dollar marketing campaign based on his sweater.

Who the hell would be happy to release their browser history to the public? Ken was swallowed, digested, and is now painfully being excreted. The backlash has only just begun, and the hateful comments and death threats will only increase. Poor Ken may discover that his old simple life of anonymity may have been erased for good. In years, he will be recognized in the street. She will be asked to pose for selfies. Strangers will continue to contact him and his family. His comments, for many people, matter now. And an opinion that carries weight is indeed a heavy burden. It could impact her career prospects, relationship, and even her mental health.

The story of Ken Bone is an interesting fable from the Information Age, an uplifting tale that could have come out of the fuzzy area Where Black mirror. Any of us could be kidnapped by the internet and turned into a meme. All it takes is a fun fashion choice. His fifteen minutes may wear off as quickly as his rise and fall, but Ken will now be known as that sweater guy who really loves pregnant women. Forever.



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Brake light problem leads Nissan to recall 354K Pathfinder SUVs https://onlinesubtitrat.biz/brake-light-problem-leads-nissan-to-recall-354k-pathfinder-suvs/ https://onlinesubtitrat.biz/brake-light-problem-leads-nissan-to-recall-354k-pathfinder-suvs/#respond Wed, 07 Apr 2021 23:17:44 +0000 https://onlinesubtitrat.biz/brake-light-problem-leads-nissan-to-recall-354k-pathfinder-suvs/ DETROIT – Nissan has announced the recall of more than 354,000 Pathfinder SUVs, including more than 267,000 in the United States due to an issue with the brake lights. According to the Associated Press, the recall impacts 2013 to 2015 model years and will involve dealerships doing repairs in March. The problem involves a brake […]]]>

DETROIT – Nissan has announced the recall of more than 354,000 Pathfinder SUVs, including more than 267,000 in the United States due to an issue with the brake lights. According to the Associated Press, the recall impacts 2013 to 2015 model years and will involve dealerships doing repairs in March.

The problem involves a brake light relay that can get stuck in the on position, which in turn can cause the brake lights to stay on. The problem can also limit engine power and allow drivers to exit the park or start the car without depressing the brake pedal.

Nissan has already had to recall Pathfinders in 2016 for issues affecting the 2013 and 2014 models. Nissan says it is aware of an accident that occurred after repairs were made, but no injuries were reported. .

READ MORE:

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GM ordered to recall millions of vehicles over Takata airbag problem

GM recalls 69K Bolt models because batteries caught fire, owners urged to park their cars outside

GM Announces Recall Over Oil Leak That Could Stop Cars, 217,000 Vehicles Involved

Over 375,000 Ford Explorer models recalled for suspension issues

Toyota and VW announce recalls involving faulty fuel pumps and fuel leaks, respectively

Metal airbag fragments kill Volvo driver, prompting recall


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Incumbent takes on lawyer in Muskegon County district attorney race https://onlinesubtitrat.biz/incumbent-takes-on-lawyer-in-muskegon-county-district-attorney-race/ https://onlinesubtitrat.biz/incumbent-takes-on-lawyer-in-muskegon-county-district-attorney-race/#respond Wed, 07 Apr 2021 23:17:42 +0000 https://onlinesubtitrat.biz/incumbent-takes-on-lawyer-in-muskegon-county-district-attorney-race/ MUSKEGON, MI – Two candidates face off in the race for the Muskegon County district attorney. Incumbent DJ Hilson, a Democrat, takes on lawyer Joshua S. EldenBrady, a Republican, in the Nov. 3 ballot. This elected position represents the county government in criminal matters. They are running for a four-year term. This year, MLive Media […]]]>

MUSKEGON, MI – Two candidates face off in the race for the Muskegon County district attorney.

Incumbent DJ Hilson, a Democrat, takes on lawyer Joshua S. EldenBrady, a Republican, in the Nov. 3 ballot.

This elected position represents the county government in criminal matters. They are running for a four-year term.

This year, MLive Media Group partnered with the League of Women Voters of Michigan to provide candidate information to readers. Each candidate was invited to present their positions on a variety of public policy issues.

Information on all state and federal races and many Michigan county and local races will be available at Vote411.org, an online voter guide created by the League of Women Voters.

Here is general information about the two candidates:

  • Hilson (D), the incumbent, is running for a third term as county attorney general. Before being elected in 2012, he was deputy district attorney in Muskegon County. He holds a BA in Psychology and Economics from Marquette University and a JD from Thomas M. Cooley Law School at Western Michigan University.
  • Elder Brady (R), is a lawyer. He holds a BA in English from Michigan State University, an MA in Education from Western Governors University and a Juris Doctor from Thomas M. Cooley Law School at Western Michigan University.

Here is an overview of the position of the candidates on some major questions, according to their answers to Vote411.org. (MLive did not modify these answers.)

What, in your education and experience, makes you the most qualified candidate for this position?

Hilson: Prior to working in the Muskegon County Attorney’s Office in 1999, I graduated with Distinction from Thomas M. Cooley Law School. I have been involved in the criminal justice system as a prosecutor for over 20 years. I served two terms as a Muskegon County District Attorney (eight years).

Former Brady: I have the rare prospect among prosecution candidates of coming from a defense background. I have seen the faults of our local attorney’s office and the effect these faults have on our community and the cause of justice. Additionally, for the past decade or so, I have lived in one of the areas most affected by violent crime in our county and have seen its effects firsthand (a perspective I don’t think I share. by one of the attorneys currently working in the Muskegon County District Attorney’s Office). During this time, I have built relationships with members of my community that will allow me to better serve the most underserved areas of Muskegon.

What are your goals if you are elected and how will you work to accomplish them with currently limited resources?

Hilson: I intend to continue our efforts to reduce crime through the use of my diversion program, my involvement in our specialized courts and my extensive work in the community.

Former Brady: 1. Increase the use of diversion programs for non-violent offenders while advocating for alternative sentences where appropriate. 2. Establish a witness relocation assistance program in violent criminal cases. 3. Eliminate charge reduction plea negotiations for violent crimes, especially those involving weapons, and ensure that all such cases (including those where law enforcement and other government employees are offenders) are charged with the maximum crime supported by reasonably questionable facts. 4. Publish clear guidelines and office policies regarding these programs so that the community can hold all members of the prosecutor’s office accountable for their effective implementation. With the exception of number 2, which can be funded in part by donated funds, all are achievable by changing policy and redirecting existing staff to new programs.

Are you ready to expand the use of restorative justice programs in the county, especially where young offenders are involved?

Hilson: I am a member of the board of directors of our local mediation and restorative justice center. Through this relationship, I have implemented programs that use mediation and restorative justice, including in our absenteeism program as well as an option in juvenile delinquency proceedings. For adults, we were able to incorporate the restorative justice mission into a brand new Michigan Department of Corrections grant program involving people affiliated with gangs and violence. Part of this multi-part program will use the mission of restorative justice to connect perpetrators with their victims or with the community in which they committed their crime. We are one of three sites across the country to receive this grant.

Former Brady: Restorative justice options should be explored in all cases involving non-violent offenses. I will explore all options permitted by law and available funding sources and post all office policies online. There must be clear and universally enforced policies to determine which cases are appropriate for restorative justice and other diversion programs.

Do you think the county public defender system is working as it should? What would you do to improve it?

Hilson: After my election in 2012, I had the chance to play an important role in the development of our public defender system. This county system has been in place since 2013. Having practiced with public defenders in the old system as well as the new, it is clear to me that Muskegon County is leading the way in how indigent defendants are currently represented. . Our public defender’s office is top notch and needs no improvement.

Former Brady: Our county public defender system works well given its relative youth. One of the biggest shortcomings is that its current funding is not comparable to the investigative budget of local police forces. Recognizing that the reform of the public defender’s system does not fall within the remit of the prosecutor’s office, I am in favor of additional funding for the investigators of the public defender’s office. In addition, more funding is needed in order to maintain a sufficient roster of dispute defense lawyers.

What new methods or technologies would you recommend to prosecute crimes more effectively?

Hilson: Over the past three years, my office has moved to an electronic content management system that allows the office to run more efficiently. We no longer carry a stack of files to court, just our laptops. Thanks to this system, we can access our offices and any file from any location. It has allowed us to work from home and keep the cogs of justice moving during the COVID-19 crisis. We are only a few steps away from the dematerialization of the entire system, which will make the justice function more efficient and effective.

Former Brady: The adoption of body cameras and the enhancement of other patrol monitoring systems by our local law enforcement agencies have been extremely helpful in the effective prosecution of cases in Muskegon and elsewhere. I will encourage their continued expansion.

The biggest change in method of change that I would work to implement, however, is not technological. One of the biggest obstacles we face in prosecuting major crimes is the fear of reprisal from potential witnesses. We need a local witness relocation assistance program to help these witnesses escape the same violence that they are helping us fight.

Learn more about MLive:

Six candidates vying for three seats on Muskegon Education Council in November 3 election

The 18-year-old commissioner faces a former state official. to serve Norton Shores on the Muskegon County Board of Directors

Voters to decide who is the next Muskegon County District Court judge

Huizenga takes on Democratic pastor in search of 2nd congressional seat


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Owner Of Clockwork Marketing Services Calls For PPP Loan Preparation | Jax Daily Record | Jacksonville Daily Record https://onlinesubtitrat.biz/owner-of-clockwork-marketing-services-calls-for-ppp-loan-preparation-jax-daily-record-jacksonville-daily-record/ https://onlinesubtitrat.biz/owner-of-clockwork-marketing-services-calls-for-ppp-loan-preparation-jax-daily-record-jacksonville-daily-record/#respond Wed, 07 Apr 2021 23:17:41 +0000 https://onlinesubtitrat.biz/owner-of-clockwork-marketing-services-calls-for-ppp-loan-preparation-jax-daily-record-jacksonville-daily-record/ Maxine McBride has owned Clockwork Marketing Services Inc. for 25 years, surviving the economic hardships of September 11 and the Great Recession. When the coronavirus began to impact the economy, McBride knew she needed to prepare and adjust her business while researching financial aid options. For many of her clients, she has moved from providing […]]]>

Maxine McBride has owned Clockwork Marketing Services Inc. for 25 years, surviving the economic hardships of September 11 and the Great Recession.

When the coronavirus began to impact the economy, McBride knew she needed to prepare and adjust her business while researching financial aid options.

For many of her clients, she has moved from providing traditional public relations services to helping with COVID-19-related messaging.

“Because we write a lot of cases and plan strategies, this work has really helped us right now,” said McBride.

McBride wanted to apply for the federal paycheck protection program, not because his business was immediately affected, but out of concern for what might happen in the future. She received her payment last week.

She said it was too early to estimate losses since the onset of the coronavirus, but she is making temporary changes with customers and is hoping for new business in the coming months.

In addition to McBride, Clockwork Marketing employs four full-time employees, who will remain on the payroll.

“It’s more about looking at the long term. There are a lot of unknowns, ”said McBride. “What I asked for was the PPP. It was more because of the unknowns in the future than the shock of what happened immediately. It was more about planning how I keep my team together.

“I had to focus on getting everything into place quickly,” McBride said. “But it’s also important for me to keep an eye on my employees and my customers. “

His bank, BBVA, provided information on PPP loans before applications were accepted.

Once the program opened, McBride said she gathered the necessary documents to complete the application. This included payroll processing records, income tax returns, and tax forms.

“As soon as the process opened, my things came in,” she said.

McBride said putting the documents together and running his business was exhausting. She said there had been a few hiccups on the government side of the demand, but the bank helped her prepare for these.

“I had to focus on getting everything in place quickly,” she said. “But it’s also important for me to keep an eye on my employees and my customers. “

Although the government’s $ 349 billion PPP funds have been allocated, they are expected to be replenished. In the meantime, companies can apply.

McBride said it’s important to be organized and, when the application is filed, to start preparing the necessary paperwork to prove to the Small Business Administration that the funds were used for their intended purpose.

P3 funds do not need to be repaid if employees are kept on the payroll and the money is used to pay them off or to cover mortgages, rent, and utilities.

“As a small business owner, whatever your situation is, having some clarity on what’s going to happen next is really helpful,” she said. “I really read the fine print, what kind of documentation they are looking for. Hope to have it soon.


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Should you buy this solar company backed by Chamath Palihapitiya? https://onlinesubtitrat.biz/should-you-buy-this-solar-company-backed-by-chamath-palihapitiya/ https://onlinesubtitrat.biz/should-you-buy-this-solar-company-backed-by-chamath-palihapitiya/#respond Wed, 07 Apr 2021 23:17:38 +0000 https://onlinesubtitrat.biz/should-you-buy-this-solar-company-backed-by-chamath-palihapitiya/ Sunlight Financial set to go public through merger with blank check company Spartan Acquisition Corp II (NYSE: SPRQ), and the notable investor of the SPAC, Chamath Palihapitiya, provides part of the private investments in public equity financing (PIPE). But is this solar finance company’s growth opportunity compelling enough that it deserves to be sought out […]]]>

Sunlight Financial set to go public through merger with blank check company Spartan Acquisition Corp II (NYSE: SPRQ), and the notable investor of the SPAC, Chamath Palihapitiya, provides part of the private investments in public equity financing (PIPE). But is this solar finance company’s growth opportunity compelling enough that it deserves to be sought out by investors? In this fool live Video clip, recorded on March 15, Fool.com contributors Matt Frankel, CFP, Brian Withers and Dan Caplinger discuss Sunlight Financial’s business and whether it’s worth taking a closer look.

Brian Withers: Sunlight Financial. So similar case. It is still under the SPRQ ticker. But I’m going to talk about the Sunlight Financial company. They are partnering with solar panel installation and home improvement contractors nationwide to provide innovative and affordable loans. They therefore do not have a proprietary software platform – software – and partnerships with 800 installers. It’s light capital and acts like a market that matches consumer loan partners, much like a mortgage broker. It facilitated about $ 1.5 billion in loans in 2020, thanks to 1,000 solar installers and home improvement contractors. So some of the positive winds I’m seeing are falling solar energy costs, 20-year loan home inventories, and demand for larger contracts or managed home improvement projects, including the solar energy, increase. Thus, the benefits for entrepreneurs are guaranteed prompt payment. The homeowner benefits are obviously a kind of one stop shop for working with your contractor and getting a loan. You can make an easy purchase now, pay later to get your home upgrades. 2020 revenue is estimated at $ 69 million with a net profit of $ 12 million. They are therefore very profitable. They are forecast to increase by 80% year-on-year next year. He competes, there is a fairly healthy competition, Sunrun, SunPower, You’re here, and banks, don’t know that these asset-like tech platforms are a good investment here, but it may be a buyout candidate for a large multinational bank looking to upgrade its platform. initial loan request generation. What do you think?

Matt Frankel: Dan doesn’t seem like Dan wants to intervene too much on this one, but I love this one. I like the business. I don’t know how this is my biggest hurdle for a niche finance company like this. I don’t know if this is as big an opportunity as others. Like you said, they have a ton of big name competition. I’m not sure I see the big competitive advantage here. Dan, what do you think about solar financing.

Dan Caplinger: I’m just thinking of vertically integrated people like the SunPowers and the Teslas and the Sunruns. I just don’t think there are independent solar contractors out there and that will be of real benefit to them. But I feel like when I look around in the neighborhoods near my home, there are a lot of solar projects going on. I see these big names. They have big name credibility. This is the kind of thing that it is a niche. But I’m also worried about the potential for growth.

This article represents the opinion of the author, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are heterogeneous! Challenging an investment thesis – even one of our own – helps us all to think critically about investing and make decisions that help us become smarter, happier, and richer.


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Returning Peace Corps Volunteers: Consider VA Career https://onlinesubtitrat.biz/returning-peace-corps-volunteers-consider-va-career/ https://onlinesubtitrat.biz/returning-peace-corps-volunteers-consider-va-career/#respond Wed, 07 Apr 2021 23:17:36 +0000 https://onlinesubtitrat.biz/returning-peace-corps-volunteers-consider-va-career/ If you are a returning Peace Corps volunteer, continue your commitment to service by helping VA care for America’s heroes. As someone who devotes their time to helping others in need, you are looking for meaningful employment that makes a difference – and we have an abundance of them at VA. “Much like the veterans […]]]>

If you are a returning Peace Corps volunteer, continue your commitment to service by helping VA care for America’s heroes. As someone who devotes their time to helping others in need, you are looking for meaningful employment that makes a difference – and we have an abundance of them at VA.

“Much like the veterans that VA serves, Peace Corps volunteers are selfless,” said Tracey Therit, human capital manager in VA’s office of human resources and administration / operations, security and readiness. “Accepting a mission in an unfamiliar location and leaving your family and the comforts of home to serve for an extended period is something familiar to Peace Corps volunteers and makes them uniquely able to connect with the people the VA serves. “

Whether it’s directly caring for patients or working behind the scenes, every role at VA is critical to our core mission of providing the best care to Veterans. We need skilled and dedicated people like you in health care and other mission critical positions.

Within the Peace Corps, you have developed skills that will come in handy at VA, such as working under pressure and independently, providing customer service and building relationships, adaptability and engagement in a mission. While serving with the Peace Corps in Botswana, former VA Program Management Analyst Richard Rain has also learned to work with all types of organizations and has developed a solid background in government reporting.

“I had a different goal that people coming from the military or the government didn’t have,” said Rain, who stumbled across the opening on Jobs in the United States after returning from Botswana.

Take advantage of additional federal benefits

Did you know that you have an advantage in landing a federal job, including one with VA?

After you return from the Peace Corps, you will benefit from what’s known as non-competitive eligibility (NCE) for up to one year, which means you can apply for jobs open only to federal employees and be hired outside of the United States. formal competitive job posting process.

“I don’t think the people of the Peace Corps realize how important this status is,” Rain said. “If the hiring manager wants you and you have the skills they want, you’re good to go. “

But the status of RCE is not the only advantage you will enjoy. Your years of service with the Peace Corps count towards your federal service, which means you’ll earn vacation faster.

You also have the option of “buying back” your volunteer service time to be credited towards your retirement. This means you invest in the generous federal pension plan more quickly.

Pay off student loans? Federal employment, as well as the service of the Peace Corps, count towards the civil service loan cancellation program.

Other great VA benefits

Aside from the benefits offered to returning Peace Corps volunteers, all of our employees receive a generous package of benefits. These benefits often exceed those offered in the private sector. They understand:

  • Paid time off that accumulates immediately, paid sick leave and 10 paid federal holidays.
  • Health insurance, including dental and vision insurance, which can take effect on the first full pay period after employment begins.
  • Access to the Federal Employees Retirement System (FERS), a three-tiered pension scheme consisting of Social Security, FERS basic benefits and the Savings and Savings Plan.
  • Educational support such as scholarships and training programs.

You will have the option of working at any VA facility in the United States and its territories. Transferring between locations is easy and you’ll take all of your benefits with you, including accumulated paid time off.

Work at VA today

See if a VA career serving veterans is right for you.


In the top photo, a Peace Corps employee measures a boy in El Salvador. (Photo courtesy of Peace Corps.)


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