Internal Debt – Galah Links Sun, 19 Sep 2021 13:00:00 +0000 en-US hourly 1 Internal Debt – Galah Links 32 32 Suicide may be a taboo subject, but let’s talk about it, okay? | Vet views Sun, 19 Sep 2021 13:00:00 +0000


It is still a taboo subject but on which we, as a human collective and veterinary profession, must be more open.

One in six vets has considered suicide. Veterinarians are almost three times more likely to kill themselves than the general public.

We have a debt to income ratio of at least 2: 1, otherwise 4: 1 for those who practice in rural areas. One in five of us will or have been the victim of cyberbullying attacks.

A few years ago, one of my beloved mentors committed suicide.

Most veterinarians began practicing their lifelong profession when they were young. Growing up, I spent every summer with my grandparents on our family farm in Ohio.

One summer evening we were walking along the bean field when we noticed a young fawn with its paw stuck in the fence. I went back to the shed, took some pliers, and helped free the baby deer. I remember looking her in the eye and thinking, I bet she knows I’m trying to help her. It was then that I knew I wanted to spend my life helping save animals.

The journey to becoming a veterinarian is no easy feat. You need to have impeccable grades in college, full years of prerequisite courses, be involved in community service and extracurricular activities, and have experience in a veterinary clinic before you are even accepted into a veterinary school.

Once accepted into a veterinary school, students then live an additional four years in addition to their college education, which prepares them to become a veterinarian. Usually our education after high school graduation is between seven and eight years.

After obtaining the diploma from the veterinary school, we have the possibility of doing internships, residencies to specialize or enter directly into general medicine.

This week alone I have worked on goats, pigs, alpacas, cattle, horses, dogs and cats.

I have performed multiple types of surgeries on multiple species, treated allergic skin conditions, managed heart disease and congestive heart failure, diagnosed and formulated treatment plans for cancer, and performed extensive internal medicine workups.

I have been with clients as they were going through the worst day of their lives, helping them make difficult decisions and leaving room for their grief. I have also been able to help clients adjust to life with new puppies or kittens and develop vaccination programs that match their lifestyle needs.

I am always in a state of balance between my education, my years of practice and reading the latest research to practice better medicine for my patients.

I always focus on the well-being of patients, advocating for their needs and respecting my vet-client-patient relationships.

There are many reasons why vets have a higher suicide rate than any other profession. Personally, I believe it goes much further than the fact that we are indebted for hundreds of thousands of dollars for the love of our profession.

The profession is designed to attract people who are empathetic, compassionate, highly intelligent, motivated, and perfectionists.

We feel a call to serve and be the best we can be, always. The application process alone eliminates anyone who does not fit that mold. I am a deeply empathetic and compassionate person who feels deeply with my clients and patients. I strive not to have an ego that prevents me from asking for help. If I cannot figure out what is wrong, I will research and contact the specialists who can help me better help my patients and clients.

I know most of my profession looks like me.

But then add the other factors that compromise our quality of life.

When things go wrong, or sometimes everything goes well and nature always takes over and you can’t save the animal.

When your family and loved ones are mad at you for being on call again during another holiday, weekend, or game and can’t be there for those who love you the most.

When you get divorced because, for the world, you just can’t leave your job at work.

When you’ve done too many euthanasia in a week.

When there have been too many online bullies trying to ruin your reputation.

When the reason you entered the profession becomes the reason you have to leave this world.

Sometimes things don’t go well despite our best intentions.

Sometimes, no, always patients will die. They were born into this world and they must also leave it.

Sometimes our desire for perfectionism means we’re so invested in our work that it literally bleeds all over the place. In our homes, in our friendships and in our loved ones.

Sometimes we are terribly intimidated and harassed, but because of professionalism, responsibility and disregarding our code of ethics, we cannot even defend ourselves.

Instead, we sit back and hope that people who read what bullies say will realize that injured people hurt others and that what they are saying is not true. Or, if it is true, that they understand that we are also human.

And sometimes we practice such cuteness in helping our furry friends through that we then extend it to ourselves.

September is Suicide Awareness Month. If you require assistance, please contact the National Suicide Prevention Hotline at 800-273-8255.

Danielle Carey, doctor of veterinary medicine, is an associate veterinarian at the Walla Walla Animal Clinic. Contact her at 509-525-6111.

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Beautiful afternoon: setbacks put Biden reset at risk Sat, 18 Sep 2021 04:22:58 +0000

WASHINGTON (AP) – It was an hour President Joe Biden would no doubt like to forget.

On Friday, the Pentagon admitted that a drone strike in Afghanistan killed 10 civilians, including seven children, and not terrorists. A panel advising the Food and Drug Administration voted not to recommend COVID booster injections for all Americans over 16, dashing hope from the administration. And France has announced that it is recalling its ambassador to the United States out of anger that it was excluded from a secret deal on nuclear submarines that Biden had reached with the United Kingdom and Australia.

The punitive headlines, all in less than an hour, highlighted the dangers to any president of the uncontrollable events that can define a term.

They came as Biden saw the number of public approvals drop as the COVID-19 crisis worsened and Americans were blamed for the imperfect US withdrawal from Afghanistan.

The administration had hoped to put in place stricter vaccine guidelines, a new international alliance to thwart China, and a new commitment to what Biden has done best: building on his years on Capitol Hill and his knowledge of the legislative process. to coax his fellow Democrats into spending the two away – hitting the expense bills that form the heart of his agenda.

These ambitions are now more difficult.

Biden has proclaimed that beating the pandemic is the central mission of his presidency, but the United States now has an average of more than 145,000 confirmed cases of COVID-19 per day, down from a low of about 8,500 per day ago. three months.

The President has decided to blame the resurgence of cases on the more than 70 million Americans who have not received a vaccine and the GOP lawmakers who have opposed his increasingly vigorous efforts to push the people to get vaccinated. Aides had hoped for full FDA approval for the boosters, but the advisory committee only recommended them for people over 65 or with underlying health issues or special circumstances.

In recent days, Biden aides have quietly expressed their relief that the chaotic withdrawal from Afghanistan – like the war itself for much of its nearly two decades – has made headlines. That sentiment was shattered on Friday afternoon when the Pentagon revealed the wandering target of what was believed to be the last US drone strike of the war.

Biden had long advocated leaving Afghanistan and, even after a suicide bombing killed 13 U.S. servicemen, and told advisers the decision was correct. The president is known for his certainty, a stubbornness that flared when he rejected suggestions that he regretted the way the withdrawal came about.

Since then, Aides has been quick to note that more than 120,000 people have been successfully evacuated and claim that the quiet efforts of the United States ensure the constant departure of more from the Taliban regime.

The end of Afghanistan is part of an effort to refocus foreign policy on China, a goal that gained momentum with the surprise announcement of the agreement between the United States, the United Kingdom and the United Kingdom. Australia.

But not only was Beijing hesitating, as was Paris, as France angrily accused the United States of excluding France from the alliance and scuttling its own submarine deal with Australia.

And then France recalled its ambassador after its officials expressed dismay that they believed Biden had turned out to be as unreliable a partner as his predecessor Donald Trump.

The tension with France came just as Biden was hoping to pivot to his ambitious national agenda.

But there are strong ideological differences among Capitol Hill Democrats over the size and substance of the $ 3.5 trillion spending package to be passed in tandem with the bipartisan $ 1,000 billion infrastructure bill. . And all of Congress will be forced to juggle White House legislation while being overwhelmed by looming debt ceiling and government funding deadlines.

The West Wing is recreating a legislative strategy that secured the passage of the $ 1.9 trillion COVID relief in March and passed the bipartisan infrastructure bill by $ 1 trillion. dollars in the Senate in August, according to a half-dozen White House aides and outside advisers who were not authorized to discuss internal deliberations. With Biden coaxing lawmakers, the infrastructure bill is set to pass the House along with the $ 3.5 trillion spending bill that contains many of the president’s priorities – like climate change and guarding the house. ‘children – and would pass the Senate depending on the party.

With the Senate tied 50-50 and the House Democrats’ margin only a handful of seats, few votes can be lost, and it could be a formidable task to unite moderate Democrats like Sense. Joe Manchin of West Virginia and Kyrsten Sinema of Arizona, who wants a much smaller spending bill, with Liberals like Sen. Bernie Sanders of Vermont, who has firmly said he can’t go down.

The White House has also restarted filling the president’s agenda with events intended to highlight the need to pass the bills, including linking visits to sites of natural disasters – fires in California and Idaho, hurricanes in New York and New Jersey – to climate change funding in legislation.

And last Thursday, on what had been tentatively scheduled as a day of rest for Biden, the White House scheduled him to deliver an East Room speech in which he focused on how the Applying the tax to get big business and wealthy Americans to pay more would help fund his plan, without offering new details.

But there are roadblocks. Manchin told Biden he couldn’t back $ 3.5 trillion and White House aides began to signal that they would settle for a smaller package, even if it angered progressives.

Still, Biden’s advisers believe that while there is some dissatisfaction with the package, no Democratic lawmaker would want to be seen as undermining the centerpiece of a president’s own party agenda.

As activity returns to Washington, the White House is also reducing the president’s travel to support the Capitol Hill agenda, but this has raised concerns among some Democratic lawmakers that Biden was not doing enough to personally sell the legislation to their constituents across the country.

The White House notes that Biden’s cabinet traveled aggressively to promote the legislation, even when the president was held in Washington.

The scaled-down trip comes as assistants worry about the level of exposure Biden may have faced when he mingled with groups on a recent grueling trip to the west and his three-leg trip to mark 9/11, two officials said. Biden, 78, also didn’t take a summer vacation. His plan to spend time at his Delaware home in August was scuttled by the Afghan crisis.

Aides had finally given him a break, a long weekend at his home in Rehoboth Beach, along the Delaware coast. He arrived home on Friday shortly after 1:30 p.m.

Ninety minutes later, all hope of a quiet weekend faded.

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Laos allows crypto mining and trading Fri, 17 Sep 2021 06:15:51 +0000

Laos, a country in Southeast Asia, has officially approved cryptocurrency mining and trading, as part of a policy change to take advantage of the crackdown on crypto mining. currency in China – and to make profits for the indebted nation.

Analysts are banking on the “cautious” decision to skyrocket the economy of the communist-led country of 7 million, which produces vast surpluses of hydroelectric power.

However, some experts warn that criminal gangs will threaten the move. And seek the benefits of the new trade thereby affecting its kickoff.

The cryptocurrency push comes after the country’s central banks warned individuals and businesses against the use (and possible adoption) of cryptocurrency.

Cryptography to save the country’s economy

The Prime Minister of Laos has given the green light for six companies, including banks and construction companies, to start mining and trading Bitcoin, Ethereum and Litecoin.

To regulate the highly volatile cryptocurrency industry, government ministries will now work in conjunction with the Bank of Laos and Electricité du Laos (the national electricity company). The government will consult and study further on this at the meeting next month.

The crypto movement is meant to protect the debt-ridden country from the Covid-19 crisis, which has dramatically reduced demand for hydropower – a cornerstone of the Laotian economy. The country is struggling with debts borrowed to finance the construction of dams.

Although Laos produces vast excess hydropower, the county has little internal demand for this rich resource. This explains the country’s latest approval for mining and trading cryptocurrencies, which requires massive amounts of energy.

Hydroelectric cryptocurrency mining is a “carbon neutral” industry

Laos may be the only country to use hydropower to mine cryptocurrencies. As such, he plans to present a case for calling the industry “carbon neutral”. This comes at a time when the carbon footprints of cryptocurrencies are the subject of major international criticism.

The mountainous topography and the great distances of the seaports have, over the years, held back the growth of the economy of Laos. Encourage the government to use hydroelectric power to power casinos and a range of other industries.

For example, Laos is preparing to unveil a hydroelectric railway line in December that will link Kunming to China, then to Vientiane.

Thus, crypto mining and trading will become a source of revenue for the government. And probably even help offset his heavy $ 14 billion debt.

Laos has recently come under intense scrutiny by the Financial Action Task Force, the United Nations office and the United States over drugs and crime. But he pledged to intensify his efforts to fight against vices.

Experts also warn against the early adoption of crypto by the young Laotian financial system. They claim the country has poor regulatory systems to rush into digital currencies.

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Taxes and more taxes | WORLD Thu, 16 Sep 2021 19:11:37 +0000

At Monday night’s Met Gala, one of Manhattan’s chicest red carpet events, U.S. Rep. Alexandria Ocasio-Cortez, DN.Y., smiled for the cameras in a white dress with “Tax the Rich “written in sharp red letters on his back. This week, Congressional Democrats released details of the tax changes they hope will do just that.

The changes would fund $ 3.5 trillion in government spending requested by President Joe Biden over the next 10 years. Democrats hope to approve the plan using the reconciliation process in Congress, which allows funding measures to avoid Senate obstructions and pass a simple majority. The reconciliation package was flagged this week amid debate over its policies on climate change, healthcare and education measures.

The income tax rate on those earning more than $ 400,000 a year would drop from 37% to 39.6%, and the capital gains tax would drop from 20% to 25%. Those who earn more than $ 5 million a year would pay an additional 3% income tax. The proposal also increases property taxes, cuts corporate tax rates from a fixed rate of 21% to a graduated rate that peaks at 26.5%, and calls for additional funding to help the Internal Revenue Service to strengthen law enforcement on wealthy Americans. The changes still primarily target income, not the stored wealth from owning valuable businesses, a more controversial approach advocated by Democrats such as Senator Elizabeth Warren of Massachusetts.

In total, Democrats hope the changes will increase federal revenues by $ 2.9 trillion over the next 10 years. They predict an additional $ 600 billion in economic growth, which is the desired $ 3.5 trillion. But a memo noted in capitals, underlined and in bold, “This number is still very preliminary.”

Progressives such as Sen. Bernie Sanders, I-Vt., See $ 3.5 trillion as a spending floor, but moderate Sen. Joe Manchin, DW.Va., insists the reconciliation package should only cost between $ 1,000 billion and $ 1,500 billion. He is also hesitant about clean energy subsidies and a permanent extension of the child tax credit, which would include payments for families with no income. With the Senate split 50-50 between parties, Democrats need 100% membership support and Vice President Kamala Harris’ decisive vote to pass the reconciliation plan. This gives Manchin and his moderate Democratic colleague Senator Kyrsten Sinema of Arizona the power to negotiate changes.

Package policies remained in motion this week as Democrats clashed over health care, including government negotiations over prescription drug prices and Medicare expansion to include vision, hearing and dental benefits. The package will likely continue to change as it goes through the House budget committee and rule writing. House Speaker Nancy Pelosi, D-Calif., Wants this process to be completed and a vote in the House by the end of September, a tall order with infrastructure, debt ceiling and deadlines. government funding arriving this month or next. Lawmakers returned home Wednesday for the two-day break from Yom Kippur with an intimidating to-do list unfinished in Washington.

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Coinbase Applying To Join Crypto Futures Market Thu, 16 Sep 2021 07:54:04 +0000

Cryptocurrency exchange Coinbase has applied for approval as a futures provider as it seeks to join the crowded digital asset derivatives market.

Coinbase said it applied to become a member of the National Futures Association, a leading self-regulatory body in the United States, as a futures trader on September 15.

The move would mark Coinbase’s first entry into crypto derivatives, a lucrative market for exchanges. Many of Coinbase’s competitors already offer access to derivatives, including Kraken, Binance, and CME Group.

“This is the next step in expanding our offerings and offering futures and derivatives on our platforms,” Coinbase said in a tweet. “Objective: to further develop the cryptoeconomy. “

Crypto derivatives are controversial because they are complex, high-risk products with volatile underlying assets, despite being one of the few areas of cryptocurrency under strict regulatory oversight.

Retail investors in the UK have been banned from trading crypto derivatives after the Financial Conduct Authority said in January that the underlying assets may prove too difficult to value or understand for non-professional traders.

READ Fintech files: how will the FCA’s crypto ban go after the bitcoin boom?

Binance has found itself in hot water with regulators around the world over its offering of derivatives among other regulated products, in some cases without proper authorization.

Coinbase’s NFA application was filed by an entity called Coinbase Financial Markets, with registered broker Joseph Nikolson as managing director.

Coinbase has yet to say whether it has also filed for permission to trade futures contracts in the U.S. markets with the U.S. markets regulator, the Commodity Futures Trading Commission.

Coinbase settled the fees with the CTFC earlier this year and was fined $ 6.5 million after the watchdog said the exchange provided false, misleading or inaccurate reports regarding the digital asset transactions.

Other major crypto exchanges in the United States have also embarked on derivatives in recent months, such as FTX.US with its acquisition of derivatives provider LedgerX.

READ Citigroup Considering Bitcoin Futures Trading Offer For Its Clients

Futures products are popular among traditional banks and financial institutions looking to access the cryptocurrency space. Citigroup is awaiting regulatory approval to start trading CME bitcoin futures, a person familiar with the matter said Financial news last month, while Goldman Sachs’ cryptocurrency trading desk began focusing on crypto futures in May.

To contact the author of this story with comments or news, email Emily Nicolle

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New report shows Rutgers Athletics has over $ 265 million in unpaid debt Thu, 09 Sep 2021 04:51:47 +0000

Additional information regarding the state of Rutgers Athletics’ finances was recently uncovered following an analysis conducted by The Record and

The report found that Rutgers Athletics currently faces an unpaid debt of around $ 265 million, nearly half of which is associated with the operating costs of the Big Ten conference alone, according to the article.

In an effort to cover these expenses, Rutgers himself loaned the track program $ 84 million over the past six years from his internal bank. The Athletics Department reported these loans as revenue, which not only violated NCAA University policies and guidelines, but also incorrectly displayed the department’s revenue and budget deficit, according to the Department of Athletics. ‘article.

“It’s unsustainable, but I don’t have an answer as to what’s sustainable going forward,” University president Jonathan Holloway said of internal lending, according to the article.

The University’s official policy was updated in June to allow internal loans for operating deficits, after receiving requests from The Record and, according to the article.

J. Michael Gower, chief financial officer and treasurer, said the policy change has been underway since 2020. Although any department can now take out an internal loan to cover operating costs, Gower said the athletics was the only department to take out such a loan. .

The sports department also took about $ 48 million in loans from the Big Ten Conference and used about $ 25 million in tax credits to help cover the costs of building new facilities. Rutgers was unable to provide a copy of his Big Ten Conference contract to The Record and, saying they do not have a copy themselves.

Rebecca Givan, president of the American Association of Rutgers University Teachers and the American Federation of Teachers, said the university’s actions raised concerns about its accounting practices and financial reporting. She said she didn’t know why the University did this, but thought it didn’t sound like honest bookkeeping.

“The other problem is just to hide the true size of spending on athletics,” she said. “If it is appropriate to spend so much money on athletics beyond the income generated by the sport, then they should be open and honest about it… rather than having loans from other parts of the world. the University. “

The money used to fund internal loans comes from different areas of University funding, including tuition fees and student fees. Givan said that by doing this, the University was using its students and employees to subsidize and pay for the athletics program without any transparency.

Rutgers Athletics relies on support from the University more than any of the 52 public universities in the five richest conferences, with each New Brunswick campus student paying around $ 400 in fees for athletics alone, according to the ‘article.

Additionally, Rutgers was ranked last among those universities in athletics donations for 2019-2020 operations, 50th in revenue generated and 51st in ticket sales from 2019-2020, according to the article.

Despite these rankings, the University has continued to rely in part on donations for construction projects, such as the two new sports buildings, which total around $ 150 million, according to the article. Donations for these projects covered only about a third of the price.

The financial state of the program has only been worsened by the coronavirus disease (COVID-19) pandemic, which has led the University to fill tens of millions of dollars in the shortfall, according to the article. The precise amount is currently not known because the University refused to reveal this information.

However, Givan said based on the financial documents, this behavior has been a trend for the University for some time, with aspects such as the large spending gap and subsidies hidden long before the pandemic.

“All other University programs, from libraries to individual academic departments, are advised that they must cover their own costs,” Givan said. “And athletics is apparently being told that even if they are missing tens of millions of dollars, the rest of the University will subsidize their costs. They won’t be subjected to the kind of painful cuts everyone is familiar with at Rutgers.

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Fundamentals of IPO Investments Sat, 04 Sep 2021 13:18:21 +0000


Previous IPOs were only offered to institutional clients and high net worth investors of brokers. With the advent of online delivery, retail investors and self-directed investors can also seize this opportunity. Therefore, understanding some fundamentals of IPO is an absolute necessity. So let’s get started.

Read also | PUBG developer Krafton to raise $ 3.7 billion via IPO next month

What is an IPO?

The initial public offering is the distinction when a private company goes public for the first time. Prior to the issuance of the IPO, the company remains limited to its founders, angel investors, venture capitalists and very few others in terms of investing. With the initiation of the IPO, the public becomes a part of the investment. Unlike common stocks, IPOs are issued directly by the company.

A journey towards the initiation of an IPO:

Read also | Viyi Algorithm merged the IPO with Venus, leader in algorithmic scenario solutions: internet advertising, games, smart chips

Why do companies go public?

The floating IPO gives the company both strategic and financial advantages.

Strategic Benefits: When a company goes public, it becomes a public company. There is an improvement in visibility and reputation. The company obtains an essential competitive advantage over its unlisted competitors. The other strategic reason is to offer an exit to existing investors such as venture capital firms or private equity funds. The business can allow old investors to exit and new investors can help the business continue to grow.

Financial Benefits: Growing businesses need capital for their internal operations and business expansion in a variety of formats. When internal sources (which come in the form of retained earnings and funds from friends and family) run out, companies seek solutions through bank loans and private equity. When this too is completed, companies usually go for IPOs. The acquired funds are used to meet current and future needs.

Investing in IPOs: the fundamentals to know

  • Read the IPO prospectus is the starting point.

  • Understanding the business depending on what the company does and its circle of skills.

  • Identify the market opportunity. The size of the opportunity and the company’s ability to seize it, integrated with market share, can make all the difference in terms of growth and returns for shareholders. However, the size of the market provides only estimates.

  • Understand the risks involved. Stock market investment is always subject to a significant number of market risks. Before investing, understand the nature and extent of the risk elements involved. The current market environment, the number of competitors and the quality of the product or service play an essential role in the risk assessment.

  • Take a closer look at the management of the business. Track any changes (upcoming or already happened) as such changes have a significant impact on business performance. Any kind of information about change can create a powerful spark, which investors should and should consider.

  • Evaluate the capital structure (SC). When companies make decisions between IPOs of shares and IPOs of debt, it is called the Capital Structure Decision (CS). CS explains which financial sources are used. He talks about the company’s financial situation and the elements of risk involved. Three ratios, such as debt ratio, net debt ratio, and interest coverage, are used to measure capital structure and differentiate similar IPOs.

  • Take a look at the financial data: The company’s financial data needs to be verified, both in terms of the company’s historical growth and how the company plans to use its available capital. Investors should take careful note of the use of the funds specified in the IPO prospectus.

  • Check the valuation of the company. An overpriced IPO subscription may be declined during registration. Likewise, an undervalued subscription can lead to a drain of a company’s capital. A comparison should be made to assess the fair value of growth potential, business management and competitive advantage among similar listed companies.

  • Some other essentials: An IPO started by a reputable broker involves a solid due diligence check on a company’s prospects. This gives investors an additional comfort cushion in terms of mental security. However, investing in the stock market is always subject to market risk. Thus, the number of advisory or brokerage shares to be issued, the escrow period (i.e. the time required for the new shares to prepare for sale), the performance obstacles applicable to these actions, etc., are to be verified.


Well, selection is an essential criterion for IPO investing. For prudent decision making, investors should assess various factors such as number of shares to sell, price per share, percentage of shares to sell, underwriters, financial accounts, elements of risk and a timetable to be applied by investors. for actions. There are no foolproof rules for selecting IPO securities because no one knows for sure how an IPO firm will perform in the secondary market. As we have discussed, the analysis of the IPO prospectus is very important. As for the strategy, although it offers a solid anchor, success is by no means guaranteed.


ICICI Securities Ltd. (I-Sec). I-Sec’s head office is at ICICI Securities Ltd. – ICICI Center, HT Parekh Marg, Churchgate, Mumbai – 400020, India, Tel. : 022 – 2288 2460, 022 – 2288 2470. Please note that the services related to the IPO are not marketed products and I-Sec acts as a distributor to solicit these products. All disputes regarding the distribution business would not have access to the Exchange Investor Repair Forum or arbitration mechanism. The above content should not be taken as an invitation or persuasion to trade or invest. I-Sec and its affiliates accept no responsibility for any loss or damage of any kind resulting from any action taken on this basis. Investments in the securities market are subject to market risks, carefully read all related documents before investing. The contents mentioned here are for informational and educational purposes only.

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Dane County Subcommittee Wants to Facilitate Fee Waiver for Court System | Local government Wed, 25 Aug 2021 19:25:00 +0000

Future changes to implement the recommendations of the sub-committee may require action by the supervisory board.

The recommendations include creating a uniform waiver form that can be used across departments in the county – a “game changer,” Bayrd said. The recommendations also call for the creation of a policy outlining when charges should be waived and when a person is eligible for a payment plan.

Other key suggestions include establishing a minimum threshold for sending an individual’s debt to collection or credit reporting agencies and determining whether fines and fees are disproportionately charged across government departments. county.

“Internal agencies should examine and collaborate on the potential disproportionate impact on single families or individuals, and efforts should be made to eliminate fines and fees affecting those families and individuals,” according to the recommendations.

[Mentoring Positives moves forward with financial literacy work]

Other recommendations include:

  • Educate consumers on the fee waiver process
  • Conduct a racial equity and racial impact review before creating a new tariff or increasing a new tariff
  • Collect racial and gender demographics on who is assessed for fees, who requests a fee waiver or payment plan, who is granted a fee waiver or payment plan, and who is sent to collections
  • Develop a process for actions to be taken before a debt is sent to collection or credit reporting agencies that will include personal contact

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3 Ways To Clean A Tub That Are Easy On Your Back And Knees, By Mary Hunt Mon, 23 Aug 2021 21:38:25 +0000

Cleaning the tub is one of those chores that are more painful than fun for those with health problems that make it difficult to bend and kneel. So hard on the back and knees that it just doesn’t clean up well. Here are three very effective and efficient ways to keep any tub sparkling clean, even a deep and / or jetted tub, to the rescue.


You will need Blue Dawn dish soap and a clean broom. Make sure the broom is super clean or you’ll just be transferring its dirt into the tub, which wouldn’t make sense. A new broom that you dedicate to cleaning the tub makes a lot of sense. Check out the dollar store.

Wet the broom, shake it, and set it aside.

Inject Blue Dawn around the bottom and sides of the tub, doing your best to touch any visible dirty spots. Using the broom, rub the soap all around the surface of the tub.

Finally, rinse all that soap, dirt, and scum down the drain. If you have a hand shower, use it. Otherwise, use a bucket or other container that you can fill and wash the sides and bottom of the tub.

You can substitute another type of dish soap, but nothing cuts through grease, dirt, and scum like Blue Dawn.


For this method, you will need Blue Dawn dish soap, regular white vinegar, and an empty spray bottle.

Open the bathroom window or turn on the ceiling fan. Or both.

Add 1 part of Blue Dawn to 3 parts of regular white vinegar in a spray bottle. Shake it and spray it all over the tub and the tiles – the sides, the floor and even the faucets.

Close the door and go. Come back in about an hour (more if you have really stubborn stains). Rinse; no scrubbing required. Look at this sparkling and clean tub!


Jetted tubs are especially difficult, as pipes and internal plumbing can contain mold and grime that is just inside – out of reach and out of sight.

For this method, you will need Cascade Complete powdered automatic dishwasher detergent.

Before continuing, be sure to clean the floor and walls of the tub using one of the methods above and rinse well. Next, clean the jets and internal plumbing so that everything is hygienic and free of grime and debris that could be reintroduced into the tub the next time you use it.

Fill the tub with hot water so that the water level is at least 2 inches above the highest jets. Add 2 cups of Cascade Complete powdered automatic dishwasher detergent.

Turn on the air jets in the tub and let them run at full speed for at least 20 minutes, or until it appears that all debris from the internal plumbing has stopped entering the tub.

Drain the tub and fill it with hot water a second time, at least 2 inches above the highest jets. Turn on the jets and let them run for 5 minutes to make sure all residual dirt and detergent is flushed out into the system.

Drain, rinse well and admire knowing these jets are as shiny as the tub itself!

Mary invites you to visit her on, where this column is archived with links and resources for all recommended products and services. Mary invites questions and comments at, “Ask Mary.” Tips can be submitted to This column will answer questions of general interest, but letters cannot be answered individually. Mary Hunt is the founder of, a frugal living blog, and the author of the book “Debt-Proof Living”.

Photo credit: ErikaWittlieb at Pixabay

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Center for reducing penalties for startups created as LLP Sun, 22 Aug 2021 18:38:19 +0000

NEW DELHI : The government is preparing to announce a 50% reduction in sentences for nearly a dozen offenses committed by startups incorporated as limited liability companies (LLP), said an official familiar with the evolution of the law. situation.

Violations include failure to comply with filing requirements for statutory documents and declarations, appointing a designated partner responsible for all compliance and having at least one resident partner for the LLP, said the official cited above. above on condition of anonymity.

The Department of Corporate Affairs will notify the requirements of LLP startups to benefit from this relief. One of them is that the startup must be recognized as such by the Directorate of Promotion and Internal Trade (DPIIT), said the person mentioned above.

“This relief should encourage small unincorporated businesses to adopt the LLP form and become part of the formal economy,” the official said.

An email to the ministry secretary and spokesperson went unanswered until going to press.

Most of India’s over 60 million micro, small and medium enterprises are unincorporated. The reduced penalty is available to the entity and partners, including the named partner and others who are required to pay the penalty.

Other offenses for which the reduced sentence would apply include failure to report changes of partners in an LLP, timely filling the vacant position of a designated partner, maintaining a registered office, informing authorities about changes of address and disclosing company details in official communications.

Since these are procedural and technical shortcomings and do not show any intention to defraud the public, an internal administrative system will be available to deal with them. DPIIT defines a startup as a company with less than ??100 crore in sales, which should be aimed at innovation and improvement of products and services and should have the potential to generate jobs.

The startup tag is only available for the first 10 years of a business’s existence.

The amendment to the LLP Act passed by Parliament in the last monsoon session decriminalized procedural offenses as part of efforts to improve the ease of doing business.

Experts said that more flexibility could be given to LLPs to raise capital.

In addition to decriminalizing infringements, LLPs are now allowed to issue non-convertible bonds, which is a welcome step towards fundraising and raising capital, said Divakar Vijayasarathy, Founder and Managing Partner of DVS Advisors LLP. , a consultant.

“The government should now further consider authorizing external commercial borrowing for LLPs in consultation with the Reserve Bank of India. It would be a great move, considering that non-resident investors prefer both stocks and debt for investment purposes, ”said Vijayasarathy.

LPs are gaining more and more popularity as the preferred form of business start-up due to the flexibility offered by this form and the simplicity of its compliance regime.

These only require an audit if their partner’s contribution is greater than ??25 lakh or when annual sales exceed ??40 lakh.

According to official data from the Ministry of Corporate Affairs, more than 4,000 LLPs are formed each month. There are currently approximately 215,000 LLPs in the country.

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