Working money – Angil http://angil.org/ Fri, 17 Sep 2021 21:19:49 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://angil.org/wp-content/uploads/2021/06/icon-2021-06-29T195041.460-150x150.png Working money – Angil http://angil.org/ 32 32 Mayor asks for more money this fall to rehire retired police officers, expand Portland Street response, prepare for body cameras https://angil.org/mayor-asks-for-more-money-this-fall-to-rehire-retired-police-officers-expand-portland-street-response-prepare-for-body-cameras/ https://angil.org/mayor-asks-for-more-money-this-fall-to-rehire-retired-police-officers-expand-portland-street-response-prepare-for-body-cameras/#respond Fri, 17 Sep 2021 20:15:59 +0000 https://angil.org/mayor-asks-for-more-money-this-fall-to-rehire-retired-police-officers-expand-portland-street-response-prepare-for-body-cameras/ As shootings continue to skyrocket in Portland and homicides peak in more than two decades, Mayor Ted Wheeler on Friday called for more money to allow police to rehire officers who have recently retired to address the office staff shortage. Wheeler also called for a city-wide expansion of Portland Street Response to reduce the number […]]]>

As shootings continue to skyrocket in Portland and homicides peak in more than two decades, Mayor Ted Wheeler on Friday called for more money to allow police to rehire officers who have recently retired to address the office staff shortage.

Wheeler also called for a city-wide expansion of Portland Street Response to reduce the number of calls police must handle. Along with that effort, he said he expected to ask for a significant increase in funding to allow non-emergency calls to be diverted from the 911 emergency dispatch system to another line, the city’s 311 program. .

Additionally, Wheeler said he intends to look for money to set aside to equip officers with body cameras.

Wheeler, who is a police commissioner, and Police Chief Chuck Lovell have estimated that 80 officers would be eligible for retirement and could return to work this year.

The return of retirees ensures that officers can be patrolled the streets or help immediately target gun violence “as well as prevent burnout among our current officers,” Wheeler said.

Wheeler and Lovell’s remarks come just a month before city council is considering budget adjustment proposals this fall. The mayor has yet to provide the exact amount he will seek to increase the police bureau’s budget. He said he expected to know how much money will be available for budget adjustments by the end of this month.

“Last March, when I worked with the Interfaith Peace and Action (Collaborative) and other community leaders to come up with a gun violence reduction plan, I said we had to act then so that we had time to prepare for what seemed like a disaster the summer to come. We lived that summer, ”Wheeler said. “The city tends to have its deadliest year in decades. And while urban gun violence affects cities across the United States, we are not other cities. This is our home and we have to do better here.

The city has recorded 64 homicides so far this year, including three fatal shootings by police. Of these, 46 were the result of shootings.

On Thursday, 886 shootings took place across the city this year, with 283 people killed or wounded by bullets. Police recorded 1,229 shootings in the past 12 months, a significant increase from the 656 shootings reported in the previous 12 months.

The office is losing officers much faster than it can hire new hires, and this year it expects another wave of retirements.

Since the start of the year, the chief and mayor have requested support for a rehiring program to address the office’s staff shortage, but council did not approve it in this year’s budget.

The Police Bureau now has 122 sworn officer positions. There are currently 794 sworn-in officers, of which 59 are in training, with an authorized strength of 916.

Hiring new officers has been difficult, with fewer state police base academies offered during the pandemic. The office also lost its three-member recruiting team in the past fiscal year – the senior recruiter resigned and two officers were put back on patrol to fill shifts. Police also reduced the number of investigators tasked with checking candidates’ personal backgrounds to seven from 18, according to police.

So far this year, 40 officers have retired. Last year, 56 retired. In addition, 71 other agents left this year, either by resignation or by failure of their probationary period, according to the office.

During exit interviews, a few retirees said they would have stayed if the office still had a retirement-re-hire program to come back for two to six years. The office eliminated the program last year because it is more expensive to bring back veteran agents who earn more money.

City commissioner Mingus Mapps, who rejected the mayor’s proposal additional funding for the police office earlier this year, is now strongly calling for more police resources and said this week it wants a 20% reduction in gun violence over the next 15 months.

“To pretend you don’t exist devalues ​​the lives of black people,” Mapps said in a prepared statement. “33.6% of homicide victims were black males in the past fiscal year, compared to about 3% of the population. At this point, it is fallacious to deny that the Portland Police Office and law enforcement have a critical role to play. “

Wheeler was reluctant to set such a specific shooting reduction target, but said he was committed to reducing shooting in the city through increased enforcement and community outreach and support. “We won’t see the results without the investments and without the strategies at the street level,” he said.

Last year, city council eliminated the police bureau’s gun violence reduction unit, which aimed to proactively target gun violence but criticized for its disproportionate arrests of people of color. The city dissolved the unit without providing an immediate alternative.

In the spring, the mayor approved the creation of a similar team of uniformed officers to identify and prosecute the most frequent suspected shooters – with a new layer of community surveillance in the form of a citizens’ group to track its performance. .

But the police office does not expect the team of 12 officers led by two sergeants to be operational until the end of November.

Few officers had volunteered for the team earlier this year. Some officers said they were unsure of the watch group’s expectations and feared they would not gain support from the city, Deputy Chief Jamie Resch said.

Instead, the police office decided to identify the team’s supervisors first, appointing Acting Lt. Ken Duilio to oversee the new team, under the command of Captain James Crooker and Cmdr. Art Nakamura.

Five officers have now applied for the team’s two sergeant positions. Police and two members of the community watch group will interview the five next Tuesday, and selections are expected by the end of next week. The community watch group and police then plan to release a new job description for officers on the new team in late September.

Lovell said he chose not to assign or appoint officers to the new team because he wanted to enable the community group’s contribution in light of past experiences with the now defunct gangs and anti-gang teams. reduction of gun violence.

“We take public safety seriously in the city. He is painful to see community members injured and gunshot wounds on our streets, and we are doing everything we can to get the targeted response team up and running, ”said Lovell. “We are working with the resources we have. We’re looking for ways to add more, and we really want people to feel safe and able to come out in the community, and not worry about gun violence.

The expansion of Portland Street Response is expected to help reduce the number of low-priority calls that Portland police must answer, accounting for about 40% of the office’s calls, according to police. Street Response sends a paramedic and social worker to people experiencing homelessness or mental health crisis if there are no weapons involved in the call. It was launched in February, limited to the Lents district.

Meanwhile, the city faces complaints of 911 callers who sit on hold for minutes, instead of seconds, before their emergency calls are answered.

In a shooting at a Pearl District restaurant earlier this month, people who called 911 to report the shooting and other emergencies over the next half hour waited an average of more than 7, 5 minutes before a dispatcher responds, well above the national picking standard. up to 911 calls in 15 to 20 seconds.

Bob Cozzie, director of the city’s Emergency Communications Office, said a 20-45% increase, depending on the week, in the volume of 911 calls received is not sustainable. He said he would like to see all non-emergency calls transferred to the 311 program line, but program staff only answer the line on weekdays from 8 a.m. to 5 p.m.

The 311 system is designed to provide callers with a single point of contact for finding information on municipal and government services.

“We need relief by next summer or we’ll burn people so drastically,” Cozzie said of his staff.

Michelle Kunec-North, the 311 program manager, told city officials earlier this week that about 60,000 of the 500,000 non-urgent calls could be absorbed by line 311 by the end of the fiscal year, ie next June. She said the 311 program would need at least 10 to 15 additional employees to handle all non-emergency calls 24 hours a day, seven days a week.

Regarding body cameras, the city is negotiating a policy with the police union for the use of cameras that would ensure officers cannot see the footage until their initial investigation report or interview with a detective if they use lethal force, the mayor said.

The US Department of Justice has called on the city to take this step to address its failure to meet the terms of a 2014 settlement agreement on the use of force, police training and oversight.

–Maxine Bernstein

Email mbernstein@oregonian.com; 503-221-8212

Follow on Twitter @maxoregonian



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Five aldermen refuse salary increase for next year https://angil.org/five-aldermen-refuse-salary-increase-for-next-year/ https://angil.org/five-aldermen-refuse-salary-increase-for-next-year/#respond Thu, 16 Sep 2021 23:31:21 +0000 https://angil.org/five-aldermen-refuse-salary-increase-for-next-year/ Five aldermen are refusing a 5.5% cost of living increase they granted them next year, but the majority of city council members will see their salaries increase in a few months. The five accepting the increase are a mix of aldermen from the north, northwest, and southwest sides, all in their first or second terms […]]]>

Five aldermen are refusing a 5.5% cost of living increase they granted them next year, but the majority of city council members will see their salaries increase in a few months.

The five accepting the increase are a mix of aldermen from the north, northwest, and southwest sides, all in their first or second terms on the board.

The aldermen on the southwest side Raymond Lopez (15th) and Silvana Tabares (23rd), the aldermen on the northwest side Felix Cardona (31st) and Gilbert Villegas (36th) and the north side Ald. Matt Martin (47th) has all handed over papers to the city to refuse the salary increase, which will begin on January 1.

Lopez, Cardona and Martin will continue to earn $ 122,304 in 2022, while Villegas will earn $ 115,560 and Tabares’ salary will remain at $ 123,504.

City budget officials did not immediately respond to questions about why salaries differ.

Martin, first elected of the North Side 47e Ward two years ago said not to make the adjustment was a “personal decision”.

With the pandemic “presenting the kind of financial challenges it has for so many people inside and outside of government, what is usually something that is a very minor problem, if not a non-problem, takes on added significance.” .

Ald. Matt Martin (47th) attends his first Chicago city council meeting in 2019.
Ashlee Rezin / Sun-Times File

“When I look at my own situation and reflect on the many challenges that my neighborhood and my city have faced, I think it’s the best personal decision for me to forgo this year’s cost of living adjustment. Martin said.

Ald. George Cardenas (12th) initially appeared to reject the raise of $ 6,734, but changed his mind. He will see his salary go from $ 123,504 to $ 130,238.

Cardenas said it was a “misunderstanding” caused by a member of his staff preparing the wrong document and returning it to city officials.

“I’m taking the increase,” Cardenas said. “It’s not about the money – [the consumer price index] take care of that … I’m applying for a job that pays $ 30,000 less than what I would earn, so it’s not about the money.

Cardenas, who is running for a seat on the Cook County Review Board, and 29 others will see their salaries rise to $ 130,238.

Ald.  George Cardenas (12th) speaks at a city council meeting in May.

Ald. George Cardenas (12th) speaks at a city council meeting in May.
Pat Nabong / Sun-Times file

This includes city councilors Carrie Austin (34th) and Patrick Daley Thompson (11th), both federally charged but who have pleaded not guilty.

Thompson, nephew of a former Chicago mayor and grandson of another, was charged in April with misrepresenting and filing false income tax returns.

The second-longest-serving Council member, Austin is accused of accepting bribes in the form of home improvements, including new kitchen cabinets and granite countertops, from a developer who asked for his help to send a project to the town hall.

The Far South Side alderman is also accused of lying to FBI agents who sought to question him about the benefits.

The third serving alderman under federal indictment, Ald. Ed Burke (14th), will see his salary drop from $ 114,192 to $ 120,406, according to city figures. With his 52-year tenure making him the longest-serving alderman, Burke was charged with racketeering in a 59-page indictment in 2019, but also pleaded not guilty.

Ald.  Edward Burke in 2019

Ald. Edward Burke in 2019
Fran Spielman / Sun-Times file

Thompson, Austin and Burke did not immediately respond to requests for comment on the pay rise.

Ald. Jim Gardiner (45th), who apologized to city council on Tuesday for the “offensive” texts he sent in 2019, will also earn $ 130,238 in the new year, up from $ 123,504.

Ald also takes the increase. Nick Sposato (38th) who joined the Board in 2011 and did not take the raises in his first four years.

“I’ve made my sacrifices already so I have no problem taking a raise now,” said Northwest Side alderman. “I work really hard. I work 70 hours a week fairly regularly, maybe in the winter it’s more like a 60 hour week job, unless there is no thunderstorm or something. like that … I’m not going to say I’m the toughest alderman, but I bet all I sure am, one of the two or three hardest-working aldermen in town.

Sposato’s current salary puts him in a three-way tie for fourth lowest on city council with councilors Matt O’Shea (19th) and Tom Tunney (44th). Once the pay raise is in place, all three will earn $ 119,984.

Historically, few members of City Council reject salary increases.

In 2008, faced with a deficit of $ 420 million – and over 1,000 layoffs – few aldermen chose to forgo a 6.2% increase, even when the city’s budget manager personally told them. asked to do so.

“Kiss my king,” replied the late Ald. Bernard Stone (50th) gave the request when a reporter asked him about it. “Under no circumstances will I give up my salary increase. “

Salary increases were first linked to the rate of inflation in 2006.


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What do you need ? – Councilor Forbes https://angil.org/what-do-you-need-councilor-forbes/ https://angil.org/what-do-you-need-councilor-forbes/#respond Thu, 16 Sep 2021 12:00:38 +0000 https://angil.org/what-do-you-need-councilor-forbes/ Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors. The decision to put money aside today for retirement years from now is a very big demand. But then comes the hardest part: figuring out how […]]]>

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but this does not affect the opinions or ratings of our editors.

The decision to put money aside today for retirement years from now is a very big demand. But then comes the hardest part: figuring out how to invest that money.

“Most people don’t want to be their own financial advisor,” says Stan Milovancev, executive vice president of CBIZ Retirement Plan Services. “Even if they want to, they must be able to understand the theory of investing and have the courage to stick to it.”

Because they handle all the choice and management of investments, a target date fund or robot advisor can be a smart and easy solution. But what exactly are they and how do you determine which one is best for you?

What is a robot advisor?

As the name suggests, a robo-advisor is an automated investment advisor. After asking you a bunch of questions about your financial life and investment goals, its algorithm spits out a recommended mix of investments.

This asset allocation is typically made up of low-cost exchange-traded funds, or ETFs, which contain hundreds or thousands of individual stocks or bonds. This allows for easy diversification of your investment dollars and is in line with what most financial advisors recommend for a successful long-term retirement investment.

Of course, these investments and their maintenance are not free. There are usually two fees that you pay when you invest through a robo-advisor.

Most robotics advisers charge what is known as an advisory fee for managing your account. A recent survey of 17 robo-advisers set the average annual fee at 0.30%.

Then there is the annual expense ratio charged by the investments the robo-advisor places you in. The cheapest ETFs and index mutual funds may have expense ratios of less than about 0.10%. This means that your overall cost of investing through a robo-advisor can typically be less than 0.50% of the assets you own each year.

What is a target date fund?

A target date fund is a lot like a robo-advisor in that it is a one-stop-shop solution to building an instant diversified portfolio.

Although you take a quiz to determine your investments with a robo-advisor, target date funds are much simpler, offering the same diversified asset allocation strategy for everyone by number of years as they have it left before they reach retirement age.

When you are young, a maturity fund adopts a more aggressive strategy with a higher percentage of equity investments. But as retirement approaches, he adjusts his holdings to become more conservative with his holdings, so you’re less likely to ruin your retirement plans if something cataclysmic happens in the stock market.

Because this is a fund that holds many other funds, a target date fund is called a fund of funds in the investment world. In addition to standard equity and bond funds, some maturity funds also invest in real estate and commodities funds.

As with robo-advisers, investors pay an annual expense ratio that reflects the fees charged by each of the underlying funds in the portfolio. According to Morningstar’s annual target date report, the asset-weighted average expense ratio for target date funds is 0.52%. The cheapest target date funds have an average fee of 0.12%

Differences between a Robo-Advisor and a target date fund

While both approaches offer a streamlined approach to retirement investing, there are some important differences to consider when considering robo-advisers and target date funds.

Customization level

Essentially, a target date fund asks you a question: How old are you? The wallet that you are guided in is the same that everyone of the same age will have, although your financial situation may be very different.

“A robo-advisor starts with your age, then asks a lot more questions, such as how much you’ve already saved and your income level,” says Milovancev. “A robot is not as personalized as working with a financial advisor, but it is much more personalized than investing in a maturity fund.”

While target date funds are designed for retirement savings, a robo-advisor can also create portfolios to help you meet other goals, like saving for a down payment or a child’s school fees. For this non-retirement savings, you will use a regular investment account that does not enjoy the tax benefits of a retirement account.

But for this reason, many robot advisers are able to offer a service called tax loss harvesting that takes advantage of the fact that even though you are taxed on the gains, you can write off the losses. Over time, this can improve your investment returns in taxable accounts.

Investment universe

Target date funds typically use mutual funds managed by the same company. For example, BlackRock target date funds own BlackRock funds. Fidelity Target Date Funds own Fidelity mutual funds. “It can be very good,” says Milovancev. “But they only shop at their grocery store.”

Meanwhile, robo advisers who are not affiliated with a fund company, like Betterment and Wealthfront, have the freedom to research the best investment options for their client portfolios. This can help you get lower fees, more cash, or even better prices on your investments.

Investment approach

Robo-advisers typically only use index ETFs or index mutual funds that simply attempt to recreate the performance of major indices, like the S&P 500 or the Nasdaq. Because there are no regular decisions made about what to invest in, this is called passive investing and contrasts with so-called active investing in which each investment is chosen by a professional.

Some target date funds use actively managed funds, some are 100% committed to indexing like most bots, and some even use a combination of the two. Target date funds that use a certain amount of actively managed funds generally tend to have higher expense ratios than fully passively managed funds. This can reduce your returns on investment over time.

Cost

A target date fund with a low expense ratio will typically cost you less than the all-in cost of a robot advisor, where you pay an advisory fee plus the expense ratio. That said, if you go with a target date fund that includes actively managed funds, you might find yourself paying a higher expense ratio than the all-in cost of a robo-advisor.

While you shouldn’t necessarily run the other way around with higher fees, keep in mind that, on average, actively managed funds perform worse than passively managed index funds. This means that you could end up paying more for the same or worse performance.

Finally, when looking for robot advisers, there is another important factor to consider when it comes to cost. Some bots will tell you that there is no consulting fee. But there is usually an important asterisk that you don’t want to miss.

Schwab’s robot offering, for example, doesn’t charge an advisory fee, but the algorithm it uses to determine your asset allocation will still insist that you hold money (it can range from 6 % to 29% depending on your investment objective) and that the cash will be held in Schwab’s own bank. This means that Schwab is free to lend your money as it would any other money held in savings accounts. This helps him pay for his “free” consulting services, but it can cost you returns that you miss because not all of your money is invested.

Other robots, like SoFi Automated Investing, cover the cost of their “free” services by investing you in a certain amount of proprietary funds they own that may have higher expense ratios than comparable investments. on the long term.

The important thing to remember is that there really isn’t a free robo-advisor. Each brokerage must ultimately charge enough to at least cover the cost of the service, even if these fees are hidden.

Minimum investment

It’s hard to outline when it comes to the minimum you need to invest with a target date fund or robo-advisor. You can find platforms and products that require little or no money to start, and others, like Personal Capital, that cost over $ 100,000.

That said, generally speaking, since most target date funds are mutual funds, they tend to have higher minimum investment requirements. For example, it takes $ 1,000 to start with a target date fund at low-cost leader Vanguard. But funds with no minimum target date exist. Schwab’s target date funds, for example, have a minimum investment of $ 1 for retirement accounts, and you may be able to bypass minimums at some brokerage firms by agreeing to regularly invest a set amount.

Robo-advisers generally have lower initial hurdles: for example, Betterment has no initial minimum and Wealthfront is $ 500. But the robots of traditional brokerage houses, like Vanguard and Schwab, may have minimums that exceed their target date fund counterparts.

In short, when deciding between saving for retirement with a maturity fund or a robo-advisor, keep in mind that different products have different minimums that can affect your ability to invest immediately. But with a little research, you should be able to find a robot or target date fund that meets your needs.

Should you invest with a target date fund or a robo-advisor?

If you are investing as part of a workplace retirement plan, the decision to use a target date fund or robot advisor is for you: – date funds, not robots.

But if you’re ready to do a 401 (k) rollover or want to build retirement savings into an Individual Retirement Account (IRA), you can go either approach to make your life easier. investor.

If you’re ok with a perfectly usable (but cookie-cutter) approach that may charge less fees, go for a target date fund. If you are hungry for an asset allocation that is more suited to certain basic elements of your personal financial life (savings, income, etc.) or if you need to invest for something outside of retirement, a robot advisor is the solution. . And for a more personalized approach than a robot, you’ll need to enter the world of work with a financial advisor.


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Erie could set aside $ 3 million for the demolition and redesign of Savocchio Park https://angil.org/erie-could-set-aside-3-million-for-the-demolition-and-redesign-of-savocchio-park/ https://angil.org/erie-could-set-aside-3-million-for-the-demolition-and-redesign-of-savocchio-park/#respond Tue, 14 Sep 2021 16:52:30 +0000 https://angil.org/erie-could-set-aside-3-million-for-the-demolition-and-redesign-of-savocchio-park/ City Council to Consider Request to Transfer an Additional $ 1 Million in ARP Funds to the Redevelopment Authority Million dollars would help advance redevelopment plan for eastern business park, Savocchio Park American rescue plan funds could soon help raze two prominent dilapidated properties in the city of Erie and advance an ambitious plan to […]]]>



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Collapse of Afghan economy a “gift for terrorists”, says UN chief https://angil.org/collapse-of-afghan-economy-a-gift-for-terrorists-says-un-chief/ https://angil.org/collapse-of-afghan-economy-a-gift-for-terrorists-says-un-chief/#respond Fri, 10 Sep 2021 20:09:00 +0000 https://angil.org/collapse-of-afghan-economy-a-gift-for-terrorists-says-un-chief/ UN Secretary-General Antonio Guterres speaks at a press conference ahead of a meeting with Spanish Prime Minister Pedro Sanchez at the Moncloa Palace in Madrid, Spain, July 2, 2021. REUTERS / Susana Vera / File Photo UNITED NATIONS, Sept. 10 (Reuters) – UN Secretary-General Antonio Guterres on Friday appealed for a cash injection in Afghanistan […]]]>

UN Secretary-General Antonio Guterres speaks at a press conference ahead of a meeting with Spanish Prime Minister Pedro Sanchez at the Moncloa Palace in Madrid, Spain, July 2, 2021. REUTERS / Susana Vera / File Photo

UNITED NATIONS, Sept. 10 (Reuters) – UN Secretary-General Antonio Guterres on Friday appealed for a cash injection in Afghanistan to avert an economic collapse that would trigger a “catastrophic” situation for the Afghan people and would be a “gift for terrorist groups”. . “

His remarks come after his special envoy for Afghanistan, Deborah Lyons, warned the Security Council on Thursday that freezing billions of dollars in international Afghan assets to keep them out of the hands of the Taliban would inevitably trigger “a severe economic downturn “.

“At the moment, the UN is not even able to pay its salaries to its own workers,” Guterres told reporters.

“We must find ways to avoid a situation which would be catastrophic for the population and, in my opinion, a source of instability, and a gift of action for the terrorist groups which still operate there,” he said. declared.

Al-Qaeda and the Afghan branch of the Islamic State, ISIS-Khorosan, are present in Afghanistan.

Guterres said he spoke with International Monetary Fund chief Kristalina Georgieva, telling reporters it was essential to agree on waivers or mechanisms to get money into Afghanistan. The IMF blocked the Taliban from accessing some $ 440 million in new emergency reserves.

Much of Afghanistan’s $ 10 billion in assets are also parked abroad, where they have been frozen since the Taliban came to power last month. They are seen as a key instrument for the West to put pressure on the Islamist group.

Guterres and UN aid chief Martin Griffiths hope international programs to provide money to war-torn Yemen could be replicated in Afghanistan. In Yemen, the United Nations children’s agency UNICEF provides monthly cash payments to some 1.5 million of the poorest families through a program funded by the World Bank.

The United Nations is also working to continue humanitarian work in Afghanistan, where at least 18 million people – half the country’s population – are already in need of assistance.

“We are constantly engaging with the Taliban and we believe that dialogue with the Taliban is absolutely essential at this time,” Guterres said.

Reporting by Michelle Nichols, editing by Rosalba O’Brien

Our standards: Thomson Reuters Trust Principles.


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Afghans fear poverty as banks limit access to cash and hundreds line up at ATMs after Taliban takeover https://angil.org/afghans-fear-poverty-as-banks-limit-access-to-cash-and-hundreds-line-up-at-atms-after-taliban-takeover/ https://angil.org/afghans-fear-poverty-as-banks-limit-access-to-cash-and-hundreds-line-up-at-atms-after-taliban-takeover/#respond Tue, 07 Sep 2021 20:01:42 +0000 https://angil.org/afghans-fear-poverty-as-banks-limit-access-to-cash-and-hundreds-line-up-at-atms-after-taliban-takeover/ Sara, a resident of Kabul, quickly runs out of everything she needs: food for her family and medicine for her sick mother. The political upheaval in Afghanistan has wreaked havoc on the capital’s banks and ATMs, leaving Sara’s family to survive on less than $ 47 a fortnight, and with no guarantee that they will […]]]>

Sara, a resident of Kabul, quickly runs out of everything she needs: food for her family and medicine for her sick mother.

The political upheaval in Afghanistan has wreaked havoc on the capital’s banks and ATMs, leaving Sara’s family to survive on less than $ 47 a fortnight, and with no guarantee that they will be able to get more money.

Banks in Kabul closed their doors last month as the Taliban advanced.

Some reopened last week, but with restrictions on the amount of money locals could withdraw and transfer.

Sara said she could only withdraw enough money for her family to stock up on food and medicine for the next few days.

“Our food was finished, the money we had left to spend was finished, my mother’s meds were finished,” she said.

“But there is no money in the bank. They told me they couldn’t give me much.

Sara’s family survives on a basic food supply at home and her mother, who suffers from respiratory illness, regularly needs an oxygen tank.

“The small amount of flour that we had at home that we use. It’s just bread and tea that we eat.”

Sara worked for a market research firm before the Taliban took control of Kabul and was a medical student at the university.

As soon as she learned that the Taliban had taken over Kabul, she rushed home. But by then the banks had already closed.

“They told us, ‘Your wages have expired.’ There is no more salary, everything is in the bank and we have no more money, “she said.

She will have to make a trip to the bank again this week, as the money she withdrew a fortnight ago has already been spent on supplies.

She will have to join a long line, with the chance that she will have to leave empty-handed as the cash supply is limited.

Crowds gather outside a Western Union office – the international money transfer service has reopened following the Taliban takeover. (

Provided

)

“Our struggles are getting worse day by day. We have no future,” said Sara.

Another Kabul resident, Hamid (not his real name), is also in desperate need of access to his savings.

After spending a week regularly at the ATM and waiting in a huge crowd, he was able to withdraw around $ 270.

That’s enough to give her a few more days of basic supplies, but not enough to cover her debts.

“I have borrowed money from friends so far, but if it continues like this we will be bankrupt,” he said.

“People even sell their houses to find money and get on with their lives.”

Hamid was a translator for a foreign non-governmental organization before the Taliban took power.

His office remains closed. Her 128 colleagues hope their company will help them leave the country, although she has not responded to requests.

Hamid will return to the bank this week to try to withdraw more money. But he is deeply concerned about his future, as he now has no income.

people seated at the meeting table
The central bank of Afghanistan has met with leaders of the banking sector to find solutions to the current crisis. (

Provided: Da Afghanistan Bank

)

Liquidity crisis deepens outside Kabul

The International Bank of Afghanistan said its branches were open with limited services due to “cash availability”, especially outside the capital.

“Due to logistical issues in recent weeks and the expectation that cash tickets are not delivered to provinces at this stage, cash availability is expected to be initially limited in Kabul,” he posted on its website.

“Our provincial branches operate on an even more limited basis, and the ability to make withdrawals will depend on the availability of cash tickets, even within the above limits.”

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The World Bank and the International Monetary Fund have halted funding for Afghanistan as the international community decides whether or not to recognize the Taliban as the country’s legitimate government.

Most of the Afghan assets held abroad have been frozen by the US central bank, and credit agencies are warning the economy is on the brink of collapse.

UN Secretary-General Antonio Guterres has warned of a looming humanitarian crisis as fuel, food and medicine run out and half the population lives in poverty.

Afghanistan’s central bank, Da Afghanistan Bank, said banking sector executives met with its acting governor Haji Mohammad Idris to discuss solutions to the current crisis.

He said the current restrictions limiting transactions with customers were temporary and he was still working on a solution.

But there was no news regarding access to central bank reserves.


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Growing up with a working mom showed me what I can accomplish https://angil.org/growing-up-with-a-working-mom-showed-me-what-i-can-accomplish/ https://angil.org/growing-up-with-a-working-mom-showed-me-what-i-can-accomplish/#respond Fri, 03 Sep 2021 20:13:03 +0000 https://angil.org/growing-up-with-a-working-mom-showed-me-what-i-can-accomplish/ After growing a baby and giving birth, you accomplished a lot, mom. And trying to heal while feeding and caring for your new baby is 24 hour work. So finding your balance in your new role may not include having sex, even long after the “green light” is given. »6 weeks from your doctor or […]]]>

After growing a baby and giving birth, you accomplished a lot, mom. And trying to heal while feeding and caring for your new baby is 24 hour work. So finding your balance in your new role may not include having sex, even long after the “green light” is given. »6 weeks from your doctor or midwife. You might feel good about it (after all, you have to adapt to a lot of things), but you might also be thinking, “No. I’m not going to. I do not want… What is wrong with me?“* Sigh. *

There is nothing wrong with you, mom. Having a low libido during the postpartum period is a normal progressive adaptive response designed to ensure that you survive to continue to reproduce.

Here’s why so many new moms have low sex drive after childbirth.


You are probably too tired to have sex, but also too hormonal to want it.

You are probably exhausted. Maybe you are feeling bad and sex is not pleasurable right now. Maybe you are worried about changes in your body or get pregnant again. Or maybe you just get touched and feel like the only thing you have control over is your body.

But beneath all of these perfectly legitimate reasons, there is a raging and dwindling stream of hormones that have an even more powerful impact on your libido.

When you are pregnant, the levels of your reproductive hormones are at a time 1000 times higher than when you are not pregnant. And once you give birth, these hormones drop to the level of menopause. The resulting low estrogen level can cause uncomfortable vaginal dryness, especially if you are breastfeeding, and loss of sex drive.

This is how evolution ensures that you “don’t want it” while you heal and invest your energy in keeping your new baby alive before you start working on the next one.

You are fulfilled in other ways.

Oxytocin is the binding hormone released when you hug, have sex, and breastfeed. Before birth, touching your partner triggers the release of oxytocin which helps you feel good and bond with each other. But after giving birth, with all the cuddling and feeding, “the mother ends up getting her oxytocin from her child,” says clinical sex therapist Dr. Kat Van Kirk. “This transfer of emotional energy is believed to decrease sexual desire and increase responsiveness to infant stimuli in postpartum women by activating regions of the brain associated with reward.”

Whether breastfeeding or bottle-feeding, skin-to-skin contact between you and baby increases the release of oxytocin, which creates bonds between you and baby, ensuring that you will take care of them and that they will survive.

The hormone prolactin also plays an important role in maternal behavior. Prolactin makes your breasts bigger during pregnancy and prepares them for milk production onset after birth. This hormone helps you relax while you are breastfeeding, but it also lowers your sex drive. Once again, it’s biology that makes sure you stay focused on the biological investment you just made in your baby.

Your partner may also be affected by low libido.

Although the research is still preliminary, high prolactin levels in new dads They are thought to induce babysitting behaviors, just like in moms, while reducing testosterone levels after birth.

Studies have shown that the more fathers interact with their babies, the more their testosterone levels drop, which lowers libido and forces them to focus less on the desire to have sex and more on the desire to feed. This helps ensure that dads invest more energy in parenting than in making a new baby, while also helping them relax and enjoy their newborn baby.

Breastfeeding can decrease libido.

Not wanting to have sex after childbirth is perfectly normal, and in any case, it is temporary-especially if you are breast-feeding. In a study published in the journal Obstetrics and Gynecology, researchers found a significant decrease in fatigue, improved mood, and increased sexual activity, feelings and frequency within four weeks of stopping breastfeeding, once the hormones return to pre-pregnancy levels.

When to start having sex after childbirth is up to you.

Even after you have been medically cleared to have sex, it may take some time before you feel like having sex again, and it’s okay to wait. . However, when the time is right for you and your desire for sex has returned, you may still have concerns about how to get things done. Here are some tips to help you restart your post-baby sex life:

  • Set aside time as a couple. Take the time to be alone to remind yourself that you are still in a relationship, even after you become parents.
  • Be honest with each other. Talk about your physical changes, how it might feel like having sex or being intimate now, and anything else that might worry you.
  • To get closer. Look for other ways to express your affection as you prepare to have sex. Spend time being close to each other, kissing and cuddling, without the pressure.
  • Use lubrication. When you’re ready, using a lubricant can fight vaginal dryness and make sex more pleasurable.
  • Get in touch with yourself, first. Rediscovering your body and what makes you feel good on its own is an important step in regaining intimacy with a postpartum partner. Check out our friends’ toys at Lady products below for inspiration.

At the end of the line : You are not alone if you do not have the desire for postpartum sex. And like many other things that can be difficult about pregnancy and the postpartum period, it will pass. But for now, low libido is probably just a development in securing your reproductive success – protecting the huge physical and emotional investment you’ve already made and ensuring your and your baby’s survival so that you can pass on your benefits. genes to future generations. Pretty powerful stuff.

Editor’s Note: Other medical conditions may be contributing to your lack of desire. And it is important not to confuse the lack of sexual desire with postpartum depression. So watch out for signs and symptoms, such as severe mood swings, loss of appetite, overwhelming fatigue, and lack of interest or joy in the things that are important to you. If you think you have postpartum depression, contact your health care provider for prompt treatment and recovery. Painful intercourse should also be evaluated by a doctor, midwife, and pelvic floor physiotherapist.

If you’re hoping to make things better, or are just looking to take some time with yourself, explore the vulva-approved options of Lady products. As a female-owned sex toy company, their mission is to cultivate pleasure and we are here for it. Motherly readers can save 15% on Dame products with the code MOTHERLY.

Pom flexible vibrator

Finally, a vibrator that can bend to your needs. Brilliantly shaped for targeted or wide stimulation, the five vibration patterns and five vibration speeds will ensure you hit the nail on the head only the right place. Rechargeable and powerful yet compact, Pom is a great way to get in touch with your body, whether solo or as a couple.

Aer suction toy

With pulses of air and a gentle seal, the Aer suction toy offers the excitement of oral stimulation even if you are not yet ready to share your body in this way or want the attention. of your partner is focused elsewhere. With multiple intensity levels and vibration patterns, your roadmap to the big O will be easy to follow.

Fine Finger Vibrator

By delivering dual sensations, the Fin Finger Vibrator is a great way to synchronize the pursuit of pleasure. Just the right size for all the right places, Fin won’t interfere with any position. The unique shape and vibrations allow users to get the feel they want during foreplay, sex or solo time.

PS Lady literally guarantees your satisfaction with hassle-free returns within the first 60 days. Get a 15% discount on your purchase with the code MOTHERLY.

This article is sponsored by Lady. Please support the brands that support Motherly et mamas.


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DA office warns homeowners about contractor fraud https://angil.org/da-office-warns-homeowners-about-contractor-fraud/ https://angil.org/da-office-warns-homeowners-about-contractor-fraud/#respond Fri, 27 Aug 2021 22:17:00 +0000 https://angil.org/da-office-warns-homeowners-about-contractor-fraud/ COLORADO SPRINGS, Colo. (KKTV) – As part of the 4th District Attorney’s Office’s “Financial Friday” initiative, prosecutors want to make sure the community doesn’t fall for contractor scams. Senior Assistant District Attorney Rachael Powell said it can be difficult to prosecute this type of crime. “There is no charge for contractor fraud,” she said. “It […]]]>

COLORADO SPRINGS, Colo. (KKTV) – As part of the 4th District Attorney’s Office’s “Financial Friday” initiative, prosecutors want to make sure the community doesn’t fall for contractor scams.

Senior Assistant District Attorney Rachael Powell said it can be difficult to prosecute this type of crime.

“There is no charge for contractor fraud,” she said. “It is not a crime in itself. The charge they would be charged with is theft.

In order to prosecute this charge, Powell said you must prove that a suspect is taking something of value – like money or supplies – with the intention of “permanently depriving himself”.

“This is the part where there is a bit of a gray area between the civilian and the criminal,” Powell said.

In order to prevent people from falling victim to this type of fraud, Powell provided six things everyone should do if they are considering hiring a contractor to work on their home, lawn, or business.

1. Ask for recent references

“The more personal contact you can have, direct contact with that reference, the better because they can tell you if the job was completed on time, by their standards, all the things you would like to know before closing. a contract with that person, ”Powell said.

If someone tells you that they have no references, that’s a red flag.

Powell also recommends looking for the contractor on the Better Business Bureau. You can also check the Pikes Peak Regional Construction Department.

2. Sign a contract

“So that means not an email exchange, not an SMS exchange, certainly not just a handshake or a phone call,” Powell said. “This is a written contract that is dated by you, signed by you, dated by the contractor and signed by the contractor. “

In that contract, Powell said you have to describe everything you pay for, including labor and supplies.

“Are you able to use the toilet that you currently have in your bathroom, or are you asking them to buy one and charge you for it?” And that’s what’s included in your contract, ”she said.

Anything you can get in writing will only help if something is wrong.

“In that list or that contract, have as many adjectives as possible,” said Powell. “So a granite countertop, rather than a simple counter. Any descriptors that let you know that you have a particular quality preference or requirement for your home or garden that may be unspoken or that would be unspoken if it weren’t in the written contract.

Even if you know the person who works for you, Powell said you should still put it in writing.

3. Pay only half up front

In most cases, the DA’s office ends up suing, Powell said the victim usually pays the full amount at the start of the project.

“I wouldn’t say it’s normal business practice,” she said. “We have seen in cases that are not criminal, in people who run their businesses well, that they ask about half upfront.”

4. Have a fixed schedule

Before you get down to business, make sure you and your contractor are on the same page.

“Have them stretch out when they think the bathroom will be finished, the landscaping will be done, the roof will be finished,” Powell said. “It just allows you to hold them a little more accountable for the progress of the job.”

If supplies are delayed and the schedule is pushed back, be sure to update the schedule.

5. Contact the contractor first

If you start to get mad at your contractor, Powell said to address the issue with the person before going to someone else.

“Open that line of communication,” she said. “I think if there are allegations of criminal activity or legal action – some sort of civil suit – it usually creates a communication breakdown.”

6. Know how to reach your contractor

In order to keep the line of communication open, make sure you have good contact information for your contractor and any subcontractors working on your project.

“The contractor should also be able to contact the owner if there are any questions while the work is in progress,” said Powell.

Where possible, Powell recommended communicating via email or text, so everything is written down.

“People remember phone conversations differently,” she said. “If you have a text message, you can have some documentation of the changes made or an explanation of things. “

Powell said you should also keep track if your contractor stops responding to you.

“Things like missed calls, sent text messages, sent emails are just records and written documentation that you can use later,” she said. “For example, if you keep calling, texting, and emailing this entrepreneur, and you keep not hearing from them, I’m sure you can see it’s growing. plus proof of this intention to permanently deprive. “

Powell said if you have given money to a contractor and the work is not being done according to the contract, this is when you should contact the police.

If you are not comfortable calling the police and prefer to remain anonymous, you can always call Pikes Peak Crime Stoppers at 719-634-STOP.

Copyright 2021 KKTV. All rights reserved.


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Planet Money: The Planet Money indicator: NPR https://angil.org/planet-money-the-planet-money-indicator-npr/ https://angil.org/planet-money-the-planet-money-indicator-npr/#respond Tue, 24 Aug 2021 21:45:00 +0000 https://angil.org/planet-money-the-planet-money-indicator-npr/ Chip Somodevilla / Getty Images Chip Somodevilla / Getty Images Job postings seem to be everywhere. Walk down the block past a row of businesses and you’ll likely see at least one “We’re Hiring” sign. Many employers appear desperate, raising wages, offering sign-up bonuses, emergency childcare, and other incentives to lure employees into their doors. […]]]>

Chip Somodevilla / Getty Images

(Photo by Chip Somodevilla / Getty Images)

Chip Somodevilla / Getty Images

Job postings seem to be everywhere. Walk down the block past a row of businesses and you’ll likely see at least one “We’re Hiring” sign. Many employers appear desperate, raising wages, offering sign-up bonuses, emergency childcare, and other incentives to lure employees into their doors. However, many of these companies can go wrong by including an underlying requirement that excludes most applicants long before they show up for a job interview. This requirement is a bachelor’s degree.

On today’s show, we chat with a former economic adviser to President Obama, Byron Auguste. Byron says the four-year college degree requirement has become something of an automatic top-up for employers … which is a big deal. Sixty percent of working Americans don’t have a bachelor’s degree. This means that employers automatically exclude the majority of potential workers, never taking into account their other qualifications. Byron says that not only may employers be short of good candidates, but they are inadvertently contributing to broader forms of discrimination, both inside and outside the office.

We would love to hear from you! Please take our poll here.

Music by Electric Chute. Find us: Twitter / Facebook / Bulletin.

Subscribe to our show on Apple podcasts, Spotify, PocketCasts and NPR A.



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Fluctuating work week: the devil is in the details https://angil.org/fluctuating-work-week-the-devil-is-in-the-details/ https://angil.org/fluctuating-work-week-the-devil-is-in-the-details/#respond Tue, 24 Aug 2021 04:11:54 +0000 https://angil.org/fluctuating-work-week-the-devil-is-in-the-details/ By Kim Bobo Late one night during the Special Session of the General Assembly this month, as the Senate worked on its budget amendments, Senators approved Amendment 132 proposed by Senator Bill Stanley, R-Franklin, by vote vocal, which usually means it shouldn’t be a close vote. The amendment was described as simply complying with Virginia’s […]]]>

By Kim Bobo

Late one night during the Special Session of the General Assembly this month, as the Senate worked on its budget amendments, Senators approved Amendment 132 proposed by Senator Bill Stanley, R-Franklin, by vote vocal, which usually means it shouldn’t be a close vote. The amendment was described as simply complying with Virginia’s overtime law with the Fair Labor Standards Act, the federal version.

The official explanation read: “This amendment provides that other employers can claim exemptions from the Virginia Overtime Wage Act for employees who otherwise meet the exemption criteria set out in the federal Fair Labor Standards Act (FLSA) and set overtime wages for those employees. certain employees at FLSA compliant rate. .

The actual language of the invoice read:

Notwithstanding any provision of § 40.1-29.2(D), an employer can claim an exemption from the overtime requirements of § 40.1-29.2 for employees who meet the exemptions set out in 29 USC § 213 (a) or for employees who meet the exemptions set out in 29 USC §§ 213 (b) (1) or 213 (b) (11). For all hours worked by an employee in excess of 40 hours in a work week, an employer must pay that employee a) overtime premium at a rate of at least one and a half times on employee’s regular rate, in accordance with 29 USC § 207 or b) another applicable compensation method set out in 29 USC § 207, notwithstanding any other provision of § 40.1-29.2, including § 40.1-29.2(B) (1) and (B) (2).

Gibberish, eh? This is where the devil is indeed in the details. Although the amendment died in committee of the budget conference, it could resurface in future legislative sessions.

When Virginia passed its Virginia Overtime Wage Act, it joined with seven other states in banning the use of the fluctuating work week, to which clause (b) of the bill’s language refers – “a other applicable compensation method set out in 29 USC “

The original VOWA prohibited the use of the fluctuating workweek, but the budget amendment, introduced in such obtuse language, made the use of the fluctuating workweek calculation acceptable.

So what’s all the fuss? Using the fluctuating work week calculation can save employers money on payroll and reduce workers’ incomes.

Under the FLSA, workers covered by overtime (called non-exempt workers, meaning they are not exempt from overtime premium – as in are covered by it) generally receive a 50 per cent premium for hours worked beyond 40 years. If an office manager earns $ 15 an hour for the regular rate, the overtime rate is $ 22.50 (1.5 x $ 15). Thus, if the person worked for 50 hours, they would be entitled to $ 600 for the first 40 hours (40 x $ 15) and then to an additional $ 225 for the remaining 10 hours (10 x $ 22.50) for a grand total. of $ 825.

The FLSA also allows workers who regularly work fluctuating hours to have a different calculation using the fluctuating work week calculation, but only if the workers regularly have different hours and receive the same weekly rate. if they work less than 40 hours. The fluctuating work week calculation is used most often with salaried workers who are still eligible for overtime, such as an office manager or paralegal. It is also sometimes used for highly paid blue collar workers and jobs that have huge fluctuations in hours, such as a landscaper who works 10 hours when it rains all week and 60 when the weather is good. While some workers may benefit from the fluctuating work week calculation, most do not and employers use it to reduce wages.

Suppose the weekly salary of an office manager is $ 600. If the person works 30 hours, they are paid $ 600. If the person works 40 hours, they are paid $ 600.

But, if the person works 50 hours, instead of calculating the overtime premium at 1.5 times the regular rate of $ 15 for 40 hours, the calculation divides the salary of $ 600 by the number of hours worked to find the “new” hourly rate. $ 600 divided by 50 hours is $ 12 an hour. The overtime rate over the 10 overtime hours is an additional $ 6 per hour multiplied by 10, or $ 60. That worker then earns a grand total of $ 660 for 50 hours instead of the $ 825 in the previous example.

If a worker regularly worked only 25 or 30 hours and was paid as if he worked 40 hours and occasionally worked an hour or two out of 40, this fluctuating work week system would be right. But that’s not what’s happening, which is why states are banning this calculation and why business groups have sought to introduce this change to Virginia’s overtime law during the budget process.

Employers regularly work overtime for their employees and prefer to pay $ 660 rather than $ 825 for 50 hours worked. This difference in pay is why Virginia joined with seven other states in banning the use of the fluctuating work week.

Virginia employers are struggling to find workers. Paying workers more and not trying to deny them real overtime pay will help employers attract and keep good workers. Lawmakers need to be vigilant about language because the devil is in the details.

The devil was definitely in this amendment.

Kim Bobo is Executive Director of the Virginia Interfaith Center for Public Policy.


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