Finance debt – MMA Fighter Fri, 01 Oct 2021 13:58:33 +0000 en-US hourly 1 Finance debt – MMA Fighter 32 32 Social Work Month highlights how the profession benefits society Thu, 08 Apr 2021 02:38:36 +0000

Social Work Month celebrates the importance of social workers

To honor the theme “Social workers are essential,” the School of Social Work asked professionals to provide an overview of the important roles social workers play, leadership in social work and the impact of COVID on the profession. social worker.

Steven Hammonds, MSS

Professionals such as Steven Hammonds, MSW, Director of Workforce Development at the Life Change Center explained that “social workers have a keen interest in considering multiple factors in the treatment of individuals, communities and the world. We are experts in taking biological, social, psychological, spiritual, cultural and environmental factors into account when working to make the world a better place for all. The lens through which we view the world is ethical, non-judgmental, empathetic, and culturally humble. Our training prepares us for multidisciplinary teamwork, and our level of critical analysis using practice-based research and research-based practice is essential in a variety of sectors ranging from nonprofit management, public policy and legislation, health care, criminal justice, CPS, mental health, addiction and the civil service. In almost all settings, it would be beneficial to have a social worker at the table. “

Rota Rosaschi, MPA, LSW and Executive Director of the Nevada Public Health Foundation has over 45 years of experience in social work and can see how COVID has forced social workers to approach their role differently. “The enormity of the pandemic is causing fear, uncertainty, social isolation, economic uncertainty and mental health issues. Social workers need to learn new ways to perform assessments without being allowed to enter homes and perform most interviews via a virtual environment or over the phone. They must learn new ways to identify issues such as domestic violence or child abuse without being able to interview the potential victim face to face to provide a sense of protection. It is an unprecedented time when most of the skills we have learned are tested to the fullest. “

It’s no surprise that the National Association of Social Workers judged this month’s theme “Social workers are essential” because it is something that many have achieved during the pandemic.

Current students have also been invited to contribute and explain how they plan to help tackle the COVID pandemic, but also the pandemic of systemic racism that has been further exposed by COVID. Student Andrea Cerrillo said the pandemic has caused us to face many truths.

Andrea Cerrillo in a blue blouse

“As a future social work graduate, I have to recognize what is going on in front of me right now. Being aware is the key and it paves the way for change. Upon graduation, I plan to use my conscience and spread it throughout my profession by educating and influencing all aspects of social work practice. It is like being involved in community organizing to provide assistance to those who have suffered from COVID-19 as well as community organizing to educate and advocate to end systematic racism. People need help and they want to be heard; this is my job NOW and in the future. Racism is alive and spreading as fast as our medical pandemic. My goal is to make sure that I am working to find a cure for the problems and the ones to come. “

One of the biggest issues social workers face is the lack of knowledge of what a social worker actually does. Social workers serve in all communities in a variety of capacities, including case managers, advocates, educators, facilitators, managers and brokers to name a few. It is often forgotten that social workers are the largest providers of mental health care in the United States.

Social workers play a vital role in helping people of all ages and at different stages of their lives. You can help celebrate and recognize Social Work Month by following the School of Social Work’s campaign on Facebook social work and Instagram social work and donate to help students continue to receive the tools and training necessary to enter the labor market.

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5 best performing S&P 500 Q1 bank stocks worth checking out Thu, 08 Apr 2021 02:38:27 +0000

The first quarter of 2021 has been pretty good for the US stock markets. The S&P 500 and Dow Jones both hit record highs, while the Nasdaq hit new highs in mid-February before experiencing a correction, down 10% from its highs, to just under of a month.

Nonetheless, the overall performance was impressive as investors gained confidence in cyclical sectors like financials, energy and other economic rebound games. The S&P 500 rose 5.8%, while the Dow Jones and Nasdaq gained 7.8% and 2.8% respectively.

Banks are one of the favorite industries

Bank stocks have regained investor confidence after a turbulent 2020. For the three months ended March 31, 2021, the S&P Banks Select Industry Index rose more than 24%, while it was down nearly 12% last year.

One of the key themes for the quarter was the expectation of an impressive economic rebound. The Federal Reserve, in its latest summary of economic projections, noted that the US economy will grow 6.5% in 2021, up from 4.2% for the previous projection.

Apart from that, other favorable data such as steadily declining jobless claims, a strong housing market and rising consumer confidence, as well as the adoption of a $ 1.9 trillion stimulus package. , the decline in the rate of coronavirus infection and the increase in immunization coverage were the driving factors that supported a faster economy. recovery.

With the gradual improvement in the economy, the demand for loans will continue to increase. In addition, the steepening of the yield curve (the difference between short and long-term interest rates) likely supported banks’ net interest margin in the last quarter. The yield on 10-year U.S. Treasury bonds was 1.74% at the end of the quarter, up 82 basis points from 0.92% at the end of 2020.

Thus, net interest income – which constitutes a large part of bank income – should have been supported by the steepening of the yield curve and a modest increase in loan demand.

In addition, the central bank has said that big banks can increase dividends and buybacks, starting in the second half of 2021, once they pass this year’s stress test. This has boosted investor confidence in the banking sector.

5 best performing bank stocks in the S&P 500

While most banking investors had much to celebrate during the January-March quarter, some stocks outperformed others. The biggest winners of the S&P 500 index were United People’s Financial, Inc. PBCT, Fifth Third Bancorp FITB, Wells fargo WFC, Financial regions RF and Bank of America BAC.

These stocks not only outperformed the S&P 500 index, but largely outperformed the Zacks Finance sector, which gained 10.1% in the first quarter of 2021.

Price performance in the first quarter of 2021

Here’s a quick recap of the top five performing S&P 500 bank stocks mentioned above during the last quarter:

United of the People: Founded in 1842 and headquartered in Bridgeport, Connecticut, People’s United is a diversified financial services company. It operates in Connecticut, Vermont, New Hampshire, Maine, Massachusetts and New York.

This Zacks Rank # 3 (Hold) company has grown through acquisitions, helped by a strong balance sheet and liquidity position. In February, the company signed an all-stock deal worth $ 7.6 billion to merge with M&T Bank Corporation.

In addition, strong credit quality is another positive for People’s United. Although credit metrics were under pressure last year due to the chaos caused by the coronavirus, the same is expected to improve with the normalization of business.

People’s United shares rose 38.4% in the first three months of 2021. For the first quarter of 2021, Zacks’ consensus estimate of 34 cents per share has remained unchanged for the past 30 days. The figure suggests year-over-year growth of 3%.

Fifth Third Bancorp: With assets of $ 204.7 billion, Fifth Third Bancorp, based in Cincinnati, HO, has 1,134 full-service banking centers in 10 states in the Midwestern and Southeastern regions of the United States.

Fifth Third Bancorp has broadened its non-interest income base over the years through strategic investments through the North Star initiatives and the buyout of MB Financial (closed March 2019). These should support income growth and lead to expense savings.

Specifically, the company expects annual pre-tax profit of $ 60 million to $ 75 million by 2022. In addition, the transaction is expected to reduce expenses by $ 255 million. In addition, the bank remains focused on branch consolidation efforts.

Shares of this company Zacks Rank # 1 (Strong Buy) jumped 35.8% in the last quarter. In addition, Zacks’ consensus estimate for first quarter 2021 earnings of 67 cents per share has risen 4.7% in the past 30 days. The figure indicates year-over-year growth of 415.4%.

You can see The full list of today’s Zacks # 1 Rank stocks here.

Wells Fargo: San Francisco-based Wells Fargo is one of the largest financial services companies in the United States, with $ 1.96 trillion in assets and over $ 1.4 trillion in deposits. The company has more than 5,032 branches, an extensive network of ATMs, as well as the Internet and other distribution channels in North America and around the world.

Following the disclosure of the sales scandal in September 2016, Wells Fargo faced several sanctions, including a Fed cap on asset growth in early 2018. Nonetheless, the company has come a long way since then, especially with the recent central bank approval. the risk management and governance overhaul plan. He continues to invest in businesses to strengthen compliance and risk management capacity.

In addition, this Tier 3 Zacks company has taken several steps including the divestiture of non-core businesses to focus on core operations, increase efficiency and strengthen the balance sheet.

Wells Fargo shares gained 29.4% in the first three months of 2021. For the first quarter of 2021, Zacks’ consensus estimate for earnings of 61 cents per share was revised from 3.4% to north in the last 30 days. The figure suggests substantial growth from the 1 cent earned in the previous year’s quarter.

Regional finance: Headquartered in Birmingham, AL, Regions Financial is a financial holding company providing retail and commercial banking, trusts, securities brokerage, insurance brokerage, mortgage lending, as well as insurance products and services. As of December 31, 2020, it operated 1,400 bank offices and 2,000 ATMs in a network of 16 states in the South, Midwest and Texas.

Regions Financial continues to benefit from a favorable funding mix and to focus on inorganic growth avenues. In recent years, the company has seen a wave of acquisitions, as part of its efforts to boost diversified activity. While the company remains committed to diversifying its revenue streams, such acquisitions should support its outlook.

In addition, this Zacks Rank # 3 company continues to take action regarding the Simplify and Grow initiative (launched in 2017), including streamlining its structure and refining its branch network while investing in new technologies, channels distribution and other growth drivers. The bank aims to consolidate around 100 branches by 2021 (published in 2019).

For the three months ended March, shares of Regions Financial rose 28.1%. In addition, Zacks’ consensus estimate of 47 cents per share for the first quarter of 2021 has risen 2.2% in the past 30 days. The figure suggests year-over-year growth of 213.3%.

Bank of America: Based in Charlotte, North Carolina, Bank of America is one of the largest financial holding companies in the United States. With total assets worth $ 2.82 trillion as of December 31, 2020, it offers a diverse range of bank and non-bank financial services and products.

Bank of America continues to align the branch network based on customer needs. The bank is on track to open 500 new centers in new cities and redesign 2,500 centers with technology upgrades by 2021. In addition, this company Zacks Rank # 3 plans to add 2,200 more ATMs to its network. These initiatives, along with the success of Zelle and Erica, will enable her to improve digital offerings, as well as cross-selling several products.

In addition, the acquisition of Axia Technologies should further strengthen the bank’s position in the lucrative healthcare payment solutions market. Prudent expense management continues to support the company’s finances. While Bank of America limited dividend payouts to 18 cents per share, it resumed share buybacks in the first quarter of 2021 and authorized $ 2.9 billion for the same.

Over the past three months, the stock has gained 27.6%. Additionally, for the first quarter of 2021, Zacks’ consensus estimate of 61 cents per share has been revised 1.7% north in the past 30 days. The figure implies a growth of 52.5% year over year.

Zacks Top 10 stocks for 2021

In addition to the actions described above, would you like to know our top 10 buy and hold tickers for all of 2021?

Last year’s Zacks Top 10 Stocks 2020 portfolio saw gains as high as + 386.8%. Now, a whole new portfolio has been selected from over 4,000 companies covered by the Zacks ranking. Don’t miss your chance to participate in these long term purchases.

Access the Top 10 Zacks Stocks for 2021 Today >>

Want the latest recommendations from Zacks Investment Research? Today you can download 7 best stocks for the next 30 days. Click to get this free report

Regions Financial Corporation (RF): Free Stock Analysis Report

Wells Fargo & Company (WFC): Free Inventory Analysis Report

To read this article on, click here.

Zacks investment research

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East Lancashire Railway rubbish collection trains cost £ 2,000 per rail trip Thu, 08 Apr 2021 02:38:17 +0000

Preparations for the reopening of the East Lancashire railway are hampered by persistent cases of fly spills and vandalism along the track, the railway has warned.

ELR was forced to organize regular clean-up patrols, which saw volunteers removing large amounts of rubbish dumped along the twelve mile track of the Heritage Railway which stretch from Heywood, Rochdale, Greater Manchester, to Rawtenstall, Rossendale, Lancashire.

Patrols have already collected six wagons of trash – including items as large as sofas – and this has also had the effect of preventing the army of dedicated ELR volunteers from focusing on their main priority – preparing for the railroad for its reopening scheduled for May 1.

Mike Kelly, ELR President, said: “It’s really frustrating to see garbage dumped like that on the tracks.

“The upsurge in anti-social behavior has put a strain on our already fragile finances – as we have been forced to collect and dispose of all this waste, we have to run special services and hire dumpsters which cost the railway several thousand dollars. pounds we can’t afford. spend.

“In addition to the rubbish, we also suffered extensive vandalism on the fences by people who used the rail tracks as a dumping ground during the lockdown.

“Plus, with safety trains running during the lockdown to maintain the line and prepare for reopening, any intrusion on the railroad tracks is at risk.”

Mike added, “I would like to call for the public’s help and ask people to be vigilant and report any trespassing that they may witness.

“Tackling anti-social behavior on the railroad will help keep the public safe and allow us all to focus on our top priority – reopening an attraction that so many people love.

“My thanks, as always, go to our fantastic volunteers who are working hard to get the railroad ready to reopen on May 1st.”

The Heritage Railway, based in Bury, Greater Manchester, has been fighting for its survival since the outbreak of the coronavirus pandemic a year ago.

Deprived of vital visitor income for most of the past twelve months, it has only been kept afloat through its extensive fundraising efforts, loans and grants.

The railway is expected to open to passengers from May 1 and has Covid security measures in place for returning visitors. Its reopening begins with the station’s two pubs, the Trackside in Bury and the Buffer Stops in Rawtenstall, which will open on April 12 for outdoor service.

To support the railway in preparing for its reopening, the public can make a donation to the ELR Support Fund, or buy a gift voucher or a pre-booked ticket for a trip from May 1st.

To purchase gift certificates or book tickets, visit:

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Triad Companies Earn At Least $ 5 Million In Federal Paycheck Protection Loans | Business Thu, 08 Apr 2021 02:38:03 +0000


Several Triad companies, including K&W Cafeteria Inc. and The Budd Group, have secured loans worth at least $ 5 million from the federal paycheck protection program.

The US Treasury and the Small Business Administration on Monday released limited details for borrowers of at least $ 150,000.

Companies with up to 500 employees, as well as independent contractors or self-employed workers, are eligible for PPP loans.

The agencies classified borrowers into the following categories: $ 150,000 to $ 350,000; $ 350,000 to $ 1 million; $ 1 to $ 2 million; 2 to 5 million dollars; and $ 5-10 million.

The lists also included the number of jobs that should be preserved.

Other Forsyth companies with a PPP loan of at least $ 5 million were Alphabest Education of Lewisville, the foreclosure law firm of Winston-Salem Brock & Scott PLLC and IFB Solutions, doing business as Winston- Salem Industries for the Blind.

The Budd Group and K&W each cited the preservation of 500 jobs, as well as 392 with Brock & Scott and 125 with Alphabest. IFB did not provide a list of jobs.

Small businesses can apply for low-interest loans up to two and a half times their average monthly payroll.

Loans will be fully or partially canceled if companies show that at least 75% of the money has been used to retain or rehire employees, and the remainder to pay certain expenses, until June 30.

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Cam Newton’s vegan diet blamed for struggles: Can the Panthers force a change? Thu, 08 Apr 2021 02:37:45 +0000

Critics cited the Carolina Panthers quarterback Cam Newton the recent switch to a vegan diet as a potential cause of his injury and bad play issues this season, but team executives would have little recourse even if they found he was responsible.

After a dismal 0-2 start to the season in which Newton failed to score a touchdown, the longtime Panthers star revealed in a video article last Friday that he hid the severity of an injury to the left foot and would not return to the field until he was fully healed. The injury immediately sparked speculation from the Panthers’ hometown newspaper, the Charlotte Observer, as to whether Newton’s vegan lifestyle had exacerbated the situation.

“There is nothing in the collective agreement or player’s uniform contract that comes close to regulating a player’s diet,” Michael LeRoy, sports labor law expert and professor at the FOX Business, told FOX Business. ‘University of Illinois at Urbana-Champaign. “In the ABC, there is a contractual article for meal allowances when a team travels. There is no restriction.

NFL teams are investing heavily in training staff, nutritionists and chefs to ensure players have access to all the foods and nutrients they need to be successful during a multi-month season. However, franchises cannot interfere with a player’s personal food choices, LeRoy said.

Newton, who announced in a video last March that he had adopted a vegan menu in order to lose weight to 235 pounds, is the latest of countless NFL players and athletes to take a close look at their diet. When quarterback Colin Kaepernick became a free agent after a 2017 season in which he led the national anthem protests, a report from NBC Sports Bay Area suggested that teams were skeptical of his commitment to football in part because of his vegan diet.

Other top NFL players to go vegans include Professional Football Hall of Fame inductee Tony Gonzalez and at least 11 members of the 2017 Tennessee Titans.

A group of sports nutritionists, dieticians and sports trainers told the Observer that a switch to veganism could impact Newton’s intake of vital protein and calories, which could, in theory, affect its ability to recover.

“Go back to 2015 Cam, bada– Cam. He was a pescatarian, ”Chris Howard, a certified local nutritionist and strength and conditioning trainer, told the newspaper. “Salmon, shrimp, you get a lot of good fat and complete protein. In reality, [fish] is one of the best sources of protein there is. “

“Now you take away the most valuable part of it (diet), and … there’s just no way around it: it can’t recover as well with fewer nutrients, with fewer calories, and with less.” muscle mass. It just won’t happen, ”Howard added.

While NFL teams can’t regulate their players’ eating habits, they can seek to get them to play with a certain weight. Famous Seattle Seahawks included bonuses offered to former running back Eddie Lacy if he was able to hit some weight loss goals.


Other than that, each player’s eating habits are their own.

“Whether a player eats only organic vegetables or loads up on milkshakes, the contract pays per diems for breakfast, lunch and dinner,” LeRoy added. “The player’s uniform contract contains vague language about full disclosure of“ any physical or mental condition of which he is aware that could adversely affect his performance under this contract. ”A diet is not a physical or mental condition, therefore Newton’s diet does not appear to be involved here.

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Jack’s Abby Craft Lagers Raises $ 6,500 for Non-Profit Helping Rare Pediatric Cancer Patients Thu, 08 Apr 2021 02:37:19 +0000

For the third year in a row, Jack’s Abby Craft Lagers has raised funds for a non-profit organization that fights Intrinsic Diffuse Pontic Glioma, a rare pediatric cancer that affects the brain.

The Framingham-based brewery allocated a portion of the proceeds from its best-selling beer, “House Lager”, during the months of November and December 2020 to donate to the WhyNotDevin Foundation to End DIPG.

In partnership with the brewery’s distributor, Atlantic Beverage Distributors, the brewery was able to raise $ 6,500 to donate to the non-profit organization.

“2020 has been a tough year, but we couldn’t have gotten through it without the support of our community,” said Sam Hendler, co-owner of Jack’s Abby Craft Lagers. “Even with our challenges, it has remained a priority for us to continue to help our neighbors. As such, we’re really excited to be here today (Monday), donating a portion of our November and December 2020 House Lager sales to Framingham-based WhyNotDevin to end DIPG for the third consecutive year.

Christine Suau founded WhyNotDevin two years ago after her son Devin passed away at the age of 7, just 9 months after his diagnosis of DIPG.

“During our fight, we had incredible support, emotionally and financially,” writes Suau in a guest blog post on the brewery. website. “There is no funding to fight this disease. I wanted to have an organization to help families who are going through the same struggle as my family. “

WhyNotDevin was recently given official 501c3 status, making the foundation tax-exempt and, in turn, able to help more families, Suau says.

“It also means that we can officially start giving grants to families,” she writes. “WhyNotDevin awards grants to families to help them offset the many financial burdens that accompany this diagnosis. We have also included the opportunity to help a local family with a child who is battling pediatric cancer each year. I’m so excited to be able to take WhyNotDevin to the next level.

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Massachusetts COVID Update: Why Only 12,000 New Vaccination Appointments Made Available Thursday Thu, 08 Apr 2021 02:36:48 +0000

As Massachusetts health officials strive to increase COVID-19[feminine efforts de vaccination, un nombre relativement faible de rendez-vous pour la première dose de vaccination sera disponible jeudi.

Un porte-parole du COVID-19 Command Center a déclaré qu’environ 12 000 nouveaux premiers rendez-vous seront disponibles jeudi matin lors des sept vaccinations à grande échelle de l’État. des sites.

Les responsables de l’État ont déclaré que le nombre de nouveaux rendez-vous disponibles est faible en raison du volume de rendez-vous pour la deuxième dose et de l’offre limitée du gouvernement fédéral.

“Comme de plus en plus de personnes ont reçu une première dose de vaccin à travers le Commonwealth, il est plus nécessaire de prendre un deuxième rendez-vous, de sorte que les sites de vaccination de masse ont moins de rendez-vous pour la première dose disponibles sur une base hebdomadaire”, indique un communiqué du centre de commandement.

À 7 heures du matin jeudi – environ une heure et demie avant que les rendez-vous ne deviennent disponibles sur plusieurs sites à grande échelle – les responsables de la santé de l’État ont déclaré que les rendez-vous pour la première dose n’étaient plus disponibles au Gillette Stadium de Foxborough ou sur les deux sites de Boston – Fenway Park et le Reggie Lewis Centre.

Les sites de vaccination à grande échelle restants comprennent : l’hôtel Doubletree à Danvers, l’ancien Circuit City à Dartmouth, le centre commercial Natick et le centre commercial Eastfield à Springfield.

Vaccins pour les enseignants

Cette annonce est intervenue le jour même où le calendrier du vaccin COVID de l’État a été décalé.

Les éducateurs du Massachusetts peuvent commencer à s’inscrire à COVID-19[feminine les rendez-vous de vaccination la semaine prochaine, a annoncé mercredi le gouverneur Charlie Baker, un jour après que le président Joe Biden a déclaré qu’il enjoignait à tous les États de prioriser les enseignants pour les vaccinations.

À partir du jeudi 11 mars, les éducateurs de la maternelle à la 12e année, les éducatrices et le personnel scolaire de la maternelle à la 12e année du Massachusetts deviennent éligibles pour recevoir le vaccin COVID.

Il y a environ 400 000 éducateurs de la maternelle à la 12e année, travailleurs en garderie et personnel scolaire de la maternelle à la 12e année dans le Massachusetts, ont déclaré des responsables. L’État estime qu’il faudra un mois à toutes les personnes éligibles pour obtenir un premier rendez-vous sur la base de l’approvisionnement actuel en vaccins. Compte tenu des exigences de planification des éducateurs, les responsables de l’État s’efforceront de désigner des jours spécifiques sur les sept sites de vaccination de masse pour que les éducateurs puissent se faire vacciner.

La montée en puissance de la vaccination des enseignants intervient alors que les responsables de l’État cherchent à revenir à l’apprentissage en personne pour les élèves de la maternelle à la 12e année.

Où d’autre puis-je me faire vacciner ?

Alors que seulement 12 000 rendez-vous pour la première dose seront mis en ligne jeudi matin sur les sept sites de vaccination à grande échelle de l’État, 170 sites sont actuellement ouverts.

Plus d’une douzaine de sites CVS dans le Massachusetts proposent le vaccin COVID, avec de nouveaux rendez-vous publiés quotidiennement sur le site Web de l’entreprise.

Les pharmacies CVS participantes sont situées à : Boston, Braintree, Cambridge, Chelsea, East Falmouth, Fall River, Holyoke, Hudson, Ipswich, Lynn, Malden, Medfield, Methuen, Milford, New Bedford, North Easton, North Grafton, Palmer, Peabody, Randolph, Seekonk, Springfield, Sturbridge, Watertown, Weymouth et Worcester.

Les rendez-vous peuvent être pris directement auprès de la pharmacie site Internet.

Les sites CVS du Massachusetts font partie d’un déploiement initial de vaccins dans 11 États : Californie, Connecticut, Hawaï, Maryland, New Jersey, New York, Rhode Island, Caroline du Sud, Texas et Virginie.

À terme, les vaccins seront disponibles dans les pharmacies à travers le pays, la société estimant sa capacité de vaccination à 20 à 25 millions de vaccins par mois.

Des milliers d’autres rendez-vous sont disponibles dans d’autres pharmacies, notamment :

  • Walgreens : environ 1 000 rendez-vous sont en cours publié du quotidien.
  • Grand Y, Chopper de prix, Wegmans
  • Arrêt et boutique, Hannaford

Les responsables de l’État estiment que plus de 250 000 doses seront administrées cette semaine sur tous les sites de vaccination, lors de l’examen des rendez-vous pour la première et la deuxième dose.

Combien de résidents du Massachusetts sont vaccinés ?

Le Massachusetts a franchi un cap le mois dernier. Le ministère de la Santé publique a annoncé le 20 février que 1 000 734 résidents du Massachusetts ont reçu au moins leur première dose du vaccin COVID-19.

Mercredi, ce nombre est passé à 1 281 680.

Alors que plus d’un million ont reçu leurs premières doses, des centaines de milliers ont encore besoin de leur deuxième. Les responsables de l’État affirment qu’un peu plus d’un demi-million ont reçu à la fois leur première et leur deuxième dose, laissant près de 700 000 personnes ayant encore besoin de leur deuxième dose.

Le Commonwealth a une population de 6 892 503 habitants, selon les estimations de recensement les plus récentes.

Le vaccin Johnson & Johnson n’aidera-t-il pas ?

Oui, mais cela prendra du temps.

Le Massachusetts ne reçoit qu’un seul envoi de 58 000 doses pour le mois de mars. D’autres commandes du vaccin à injection unique qui viennent d’être approuvées par les autorités fédérales devraient être disponibles d’ici le mois prochain.

Qui est éligible pour recevoir le vaccin ?

Le Massachusetts est entré dans la phase 2 du déploiement du vaccin le mois dernier.

Les résidents de 65 ans et plus et les personnes atteintes de deux problèmes de santé ou plus considérés comme présentant un risque accru de maladie grave due au virus, ainsi que les résidents et le personnel des logements pour personnes âgées à faible revenu et abordables sont éligibles pour recevoir le vaccin.

Les conditions médicales prioritaires comprennent :

  • Asthme (modéré à sévère)
  • Cancer
  • Maladie rénale chronique
  • MPOC (maladie pulmonaire obstructive chronique)
  • Syndrome de Down
  • Maladies cardiaques, telles que l’insuffisance cardiaque, la maladie coronarienne ou les cardiomyopathies
  • État immunodéprimé (système immunitaire affaibli) à la suite d’une greffe d’organe solide
  • Obésité et obésité sévère (indice de masse corporelle [BMI] of 30 kg / m2 or more)
  • Pregnancy
  • Sickle cell anemia
  • Smoking
  • Type 2 diabetes mellitus

When educators become eligible next week, that will increase the number of eligible residents by approximately 400,000.

Groups that follow educators in priority rankings include:

  • Employees in the food, beverage, agriculture, consumer goods, retail and restaurant industries;
  • Meat conditioners;
  • Sanitation, public works and public health workers;
  • Vaccine development agents;
  • Pantry employees and volunteers;
  • Transit / Transportation: Uber / Lyft / Carpool Services / Pharmacy Drivers, Ground Passenger Transportation Industry Workers (e.g., Paratransit for People with Disabilities, Food Delivery, Non-Emergency Medical Transportation), Massport Workers other than the police;
  • Convenience store employees (under grocers);
  • Water and sanitation service personnel
  • Employees of the justice system (judges, prosecutors, defense lawyers, court clerks), other than court officials listed under first responders
  • Medical supply chain workers
  • Workers at manufacturers (including biotech companies and companies that have shifted production to medical supplies), material and parts suppliers, technicians, logistics and warehouse operators, printers, packers , distributors of medical products and equipment (including third-party logistics providers and those who test and repair), personal protective equipment (PPE), isolation barriers, medical gases, pharmaceuticals (including materials used in radioactive drugs), dietary supplements, commercial health products, blood and blood products, vaccines, test equipment, laboratory supplies, cleaning, sanitation, disinfection or sterilization supplies (including dispensers), items hygiene products, personal care products, pest control products and toilet paper and towel products out.
  • Funeral directors and funeral workers
  • Port and shipping terminal workers
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Law firms should continue to quietly reduce employee rosters Wed, 07 Apr 2021 23:17:43 +0000

“Never let a crisis go to waste,” was a common refrain among legal industry observers last year. While many firms have found themselves busy with legal work amid the pandemic, several have acknowledged significant layoffs, driven by outsourcing and other changes in the basis of the law firm’s business model.

As the crisis dissipates, companies will likely continue to capitalize on these lessons learned and eliminate some employee roles.

“The long-term trend is that technology is replacing people. … This trend has been accelerated by the fact that so many lawyers have learned to do self-service, ”said Hugh Simons, consultant and law firm researcher. The acceleration came when law firms put some people on leave who had no work to return to.

“People get by without a paralegal or what we used to call secretaries on their doorstep. They don’t need them as much, and they don’t need receptionists as much, ”said Mary K Young of the Zeughauser Group.

Many of these positions represented “hidden waste” for businesses and have already been “quietly abandoned,” said Joe Altonji, founding director of LawVision Group. However, he noted, law firms that accepted Paycheck Protection Program loans may have retained people in those positions to meet loan cancellation requirements and could choose to remove. posts later.

Law firms will continue to monitor the workforce, said Tom Clay, of Altman Weil.

Last year, “it became very clear that the number of support staff required to support lawyers just didn’t need some of these people,” Clay noted. “There will be a decrease in the number of support staff over the next two years, which could be quite significant in terms of results. “

Clay said law firms will institute requirements for certain technological skills among their staff. Those who do not meet these requirements may reach a cap on salary increases. Or they may be offered a retirement bonus. Businesses are likely to do it “quietly,” he said.

Young agreed that companies will seek buyouts and encourage retirements when they can.

On the lawyer side, it seems that reductions at associate level are unlikely.

“I haven’t seen any indication of firms reducing their partners,” said Summer Eberhard, managing director of the associate practice group at Major, Lindsey & Africa. “[Firms aren’t] let anyone go, whether they are the best associate or doing a mediocre job. Companies try to keep as many people as possible. “

“Some companies may go back to their size from last year and say, ‘We shouldn’t have done this,’” Eberhard added.

Young said many firms were reluctant to reduce the ranks of attorneys for capacity reasons in 2020 because they were burned in 2008 when cuts limited their ability to manage return to work.

But Simons said underperforming lawyers will be moved this year, especially at the partner level. He said companies need to at least make room for new talent. These performance-related decisions, however, have a longer time frame.

This type of advice was slated for 2020, and although it did take place, many law firms continued to see their unfair rank rise. Regarding the board and downsizing, Young said, “We’re always going to see it.” Despite the lessons learned in 2020, the level of urgency is not as high as some expected at the same time a year ago.

“It’s not like 2008 and 2009. It’s not ‘I have to slash'” because of the poor economic conditions in the legal industry, Young said. Instead, “it’s” I’m going to use this time to adjust the mix, and I’m going to use this time to advise some people who are just not suitable. “”

Yet, she noted, in many companies “there’s a lot of reluctance to do any of these things, because it’s a people business.”

Another possibility, Altonji said, is that companies find a way to staff certain roles outside of traditional locations. For example, he said, “your assistant no longer needs to be sitting in front of your door.”

These changes remain to be determined, as partners and business leaders return to the office and find out what the new normal brings.

Justin Henry and Dylan Jackson contributed to this report.

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bne IntelliNews – Istanbul listed guaranteed problem loans reach 22% ratio at the end of 2020 Wed, 07 Apr 2021 23:17:42 +0000

Turkish Bank Garanti (GARAN) problematic loan burden grew to 70 billion Turkish Liras (TRY) (9.6 billion TRY), or 22% of the 315 billion TRY of loans in the lender’s books , compared to TRY 59 billion, or 19%, at the end of September, the Bank noted January 28 in a presentation of its Q4 financial results.

Guaranteed wrote down TRY 4 billion in non-performing loans (NPL) in the fourth quarter, with its NPL falling to a total of TRY 14.4 billion at the end of 2020, from TRY 18.7 billion at the end of September. The NPL ratio fell from 6% to 4.6%.

When the TRY 4 billion depreciation is included, the NPL would rise to TRY 18.4 billion at the end of last year, or 5.8% of loans.

Guaranteed also noted that the “regulatory tolerance” measures had a 40bp positive impact on the NPL ratio, suggesting an actual ratio of 6.2% and a problem loan ratio of 24%.

The bank delayed (restructured) repayments of TRY 40.1 billion in loans and recorded 57% of the delayed loans as Phase 2 problem loans.

When TRY 17 billion of unrecorded deferred loans are included, the problem loan ratio reaches 29%.

Profit up 1%

Despite all abstention, Garanti reported only a 1% year-over-year increase in profit to TRY 6.24 billion against official inflation of 15% in 2020 while, on a USD basis, its profit net fell 19% year-on-year to $ 845 million.

The bank’s ROAE (return on average equity) ratio fell to 11% at the end of 2020 against 12% at the end of 2019.

If Garanti’s Spanish parent company BBVA pulled out its equity and deposited its money with rival Akbank, it would enjoy much better and risk-free returns.

The situation is the same for all local banks and lenders have not been allowed to distribute dividends on their 2018 and 2019 profits.

On January 29, the banking association TBB noted that the BDDK banking watchdog allowed local banks to distribute 10% of their 2020 profits.

This news will be sold as ultra-positive because Bloomberg has reported since November that the BDDK was in discussions on the dividend ban.

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Prepare your COVID emergency exit plan, says regulator at G20 Wed, 07 Apr 2021 23:17:41 +0000

LONDON (Reuters) – Although ending COVID economic aid measures too soon would pose more of a threat to financial stability than leaving them in place for too long, it was time for G20 countries to decide how it should be done, the Financial Stability Board said on Tuesday.

FILE PHOTO: Euro, Hong Kong dollars, US dollars, Japanese yen, British pounds and 100 Chinese yuan banknotes are seen in this illustration, in Beijing, China January 21, 2016. REUTERS / Jason Lee / File Photo

The FSB, which coordinates the financial rules of the G20 group of rich countries, said the swift, significant and sweeping measures introduced by governments over the past year have limited the economic fallout from the COVID-19 shock, but their phase-out will also present risks given persistent uncertainties.

Despite the arrival of vaccines, the withdrawal of relief measures is not imminent given that the pandemic is worse in some countries than had been anticipated a few months ago, said the FSB.

In a report aimed at helping G20 countries exit measures, the FSB recommended a flexible approach that gradually withdraws relief in a sequenced fashion to avoid a “cliff edge” effect of simultaneous expirations.

Withdrawals could be based on reducing the scope of relief measures, forcing beneficiaries to register for them, making aid less and less generous and ordering the expiration of various reliefs.

A “conditional to state” approach rather than a pre-announced withdrawal schedule could help minimize long-term financial stability risks, the FSB said.

“For many support measures, the authorities must decide to extend, modify or cancel them,” said the FSB in its report to the G20 finance ministers meeting almost this week.

“The premature withdrawal of temporary measures designed to support bank lending could lead to an unintentional tightening of bank lending.” (Graphic: FSBCOVID Chart,)

FSB Chairman Randal Quarles said in a letter to G20 members that there were signs of an “inflection point” emerging as vaccines are rolled out, albeit at different rates.

“While it is good practice to keep in place the measures that support the stability of the financial system and the financing of the real economy for as long as necessary, the factors to be taken into account when deciding to expand, modify and possibly , to end the support measures take shape, ”said Quarles, who is also vice chairman of oversight at the US Federal Reserve.

Reporting by Huw Jones; Editing by Steve Orlofsky

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