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Half of India’s labor force credits active: report

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Half of the country’s workforce of 400 million are active in credit, having at least one loan or credit card, a credit information company (CIC) report said on Tuesday.

Credit institutions are rapidly approaching a level of saturation with new customers because more than half of borrowers come from existing customers of a bank, according to the report by Transunion CIBIL.

India’s overall labor force was estimated at 400.7 million in January 2021, while the retail credit market has 200 million unique people active in the credit arena, he said.

It can be noted that for a long time, it has been feared that borrowers may find themselves in the traps of unregulated loan sharks and that efforts have been made to deepen access to finance.

Over the past decade or so, setbacks on the corporate lending side have led banks to prefer retail credit, but concerns are expressed about the segment’s resilience after the pandemic.

CIC data indicates that there is an addressable market of 400 million people aged 18 to 33 in rural and semi-urban areas, and highlights that credit penetration in this segment is only 8%.

In the New Credit universe (NTC), there is a greater preference for products including personal loans and durable consumer loans in the under 30 segments and those residing outside the cities of level I, he said.

The composition of women, however, continues to be much lower in the NTC segment, he said, noting that the composition of female borrowers was only 15% in auto loans, 31% in loans. real estate, 22% in personal loans. and 25 percent in durable consumer loans.

CIC data also suggests that NTC consumers are showing greater loyalty to the lending institution that provided them with their first credit opportunity, according to the report.

Borrowers also tend to prioritize paying off the first credit facility over the second in times of financial crisis, he said.

“Identifying emerging consumers of NTC across all segments and enabling them to access financial opportunities is essential to boost economic recovery and sustainable financial inclusion in our country,” said Rajesh Kumar, Managing Director and Managing Director of CIC.

He also added that lenders can also assess the credit risk associated with NTC clients with a CIC product to improve turnaround times and reduce the cost of acquisition.

The “CreditVision NTC” scoring model is based on an algorithm that uses the borrower’s request and survey information to help better assess their eligibility.

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Dangerous Drugs Early Warning System Reaches Online Audience Of Over One Million In One Year

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A dangerous batch of synthetic cannabinoids resulted in one death earlier this year.  The High Alert website sent out a warning that the drug was circulating in the Lower North Island.

Chris Skelton / Stuff

A dangerous batch of synthetic cannabinoids resulted in one death earlier this year. The High Alert website sent out a warning that the drug was circulating in the Lower North Island.

An early warning system alerting people to dangerous drugs has reached an audience of over a million people via social media since its launch a year ago.

High Alert, managed by Drug Information and Alerts Aotearoa New Zealand (DIANZ) has issued ten public alerts on dangerous drugs, including synthetic cannabinoids, benzodiazepines and a toxic chemical sold as MDMA.

This included an alert in April regarding a batch of synthetic cannabinoids circulating in the Wellington, Palmerston North and Wairarapa area, which resulted in one death and hospitalization.

Last summer, DIANZ worked with drug testing organization KnowYourStuffNZ to alert festival-goers to the strong presence of a dangerous cathinone, eutylone, in what people believed to be MDMA. The drug was linked to a number of hospitalizations across the country.

READ MORE:
* People warned of dangerous amounts of eutylon circulating in Wellington ahead of Homegrown music festival
* Warning issued after discovery of ‘dangerous’ MDMA substitute in Christchurch
* Synthetic drugs reappear in New Zealand after wave of deaths, prompting urgent warnings

Police said that in the past 12 months, High Alert social media pages have reached 1.1 million people, with the audience predominantly between 18 and 34 years old and living in urban centers.

Detective Inspector Blair Macdonald, chief of police at the National Drug Intelligence Bureau (NDIB), said one of DIANZ’s key goals is to create a mailing list, so it can reach people by mail electronic when issuing an alert.

Over 211,000 people visited the High Alert website in the past year, generating over 329,000 pageviews.

An example of an eutylone, sold as MDMA, found by the Know Your Stuff drug testing service last summer.

Know your stuff / Supplied

An example of an eutylone, sold as MDMA, found by the Know Your Stuff drug testing service last summer.

DIANZ’s network started with 53 professional contacts, including doctors, drug treatment providers and non-governmental organizations, which has now grown to 430. Almost 4,800 people have signed up to receive alerts.

Macdonald said that over the summer, DIANZ ran a digital marketing campaign encouraging festival goers to sign up for the mailing list.

“When KnowYourStuffNZ reported a strong presence of eutylonia in what people thought was MDMA, DIANZ was able to use their network to spread the word about the problem and ultimately reduce the damage.”

Macdonald said the value of his social media audience became particularly clear with the most recent High Alert notification reporting damage from synthetic cannabinoids in the lower North Island, with a Facebook post reaching 60,635 people.

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Ontario Reports 210 New COVID Cases Monday

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Today’s report includes 326 healings, 23 new hospitalizations and three deaths

Public Health Ontario reported 210 new cases of COVID-19 in its latest report (June 28).

Today’s update also includes 326 new healings and three deaths.

Reported deaths include one person between 40 and 59, one between 60 and 79, and one over 79.

Since yesterday’s update, there have been 23 new hospitalizations and 11 patients have been admitted to intensive care units.

The June 28 update provided by the provincial public health agency also reported the following data:

  • 2,506 active laboratory-confirmed cases, up from 2,625 yesterday.
  • 218 people living with COVID are currently hospitalized in Ontario, up from 203 yesterday. The number of hospitalizations is generally underreported on weekends, with 10% of hospitals not submitting bed census data on weekends.
  • There are 287 patients in intensive care units with COVID-related illness, but 63 of those patients are no longer positive for COVID-19.
  • 191 people are on ventilators due to COVID-related illness, but 33 of them no longer test positive for COVID-19.
  • The province reported that 13,071 tests were processed yesterday, resulting in a positivity rate of 1.8%.
  • There are 4,259 tests awaiting processing and provincial labs have processed 15.8 million tests to date.
  • Of the new cases reported today, 26 are from Waterloo, 37 from Toronto, 15 from Peel, seven from Simcoe-Muskoka and eight from York Region. Today’s cases include 25 from the Gray Bruce area, where there has been a significant increase in cases over the past few days.
  • Current cases include 57 people aged 19 and under, 69 people aged 20 to 39, 48 people aged 40 to 59, 27 people aged 60 to 79 and nine people aged 80 and older .

Vaccines

  • There were 180,369 vaccine doses against COVID-19 administered yesterday.
  • 14,207,510 doses of vaccine were administered.
  • A total of 4,324,770 people were fully vaccinated.

Public Health Ontario has confirmed 544,414 cases of COVID-19 since the start of the pandemic and reported 532,779 recoveries and 9,129 deaths.

The cumulative average incidence rate in the province is 3,656.9 cases per 100,000 people in Ontario.

Ontario’s average weekly incidence rate is 13.2 cases per 100,000 population, down 23.3 percent from the previous seven-day period.

Northern Ontario

In Northern Ontario, the distribution of Public Health Ontario data is as follows:

  • Algoma Public Health: 400 cases, weekly rate of 1.7 cases per 100,000 population. There are two known active cases.
  • North Bay Parry Sound District Health Unit: 588 cases, weekly rate 43.9 cases per 100,000 population. The health unit reported 592 cases. There are 85 known active cases.
  • Porcupine Health Unit: 2,043 cases, weekly rate of 91.1 cases per 100,000 population. The health unit has reported 2,036 cases. There were 115 known active cases on Friday when the health unit last updated its numbers.
  • Sudbury and Districts Public Health: 2,144 cases, weekly rate of 15.6 cases per 100,000 population. The health unit has reported 2,165 cases. There are 37 known active cases.
  • Timiskaming Health Unit: 208 cases, weekly rate of 0 cases per 100,000 population. There are no known active cases.
  • Northwestern health unit: 1,088 cases, weekly rate of 8 cases per 100,000 inhabitants. The health unit reported 1,085. There are 10 known active cases, including one active case outside the catchment area.
  • Thunder Bay District Health Unit: 3,337 cases, weekly rate of 4.7 cases per 100,000 population. There are nine known active cases.

Northern Ontario health unit data is based on what was available as of 10:30 a.m. today.

Legal File – Protection of private property

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MARY REICHARD, HTE: It’s Monday June 28th and it’s The world and everything in it. We are delighted that you are joining us today! Hello. I am Marie Reichard.

NICK EICHER, HOST: And I’m Nick Eicher. The United States Supreme Court issued 10 opinions last week, so Mary and I will be exchanging them today.

REICHARD: Ok, well, let’s get started!

First of all, a unanimous decision that protects the sanctity of the house.

The police have the power to pursue a criminal in a house and they do not need a warrant in such a case. But if the person they’re chasing is just suspected of a crime, the police need a warrant to enter a house.

In this Supreme Court case, a man driving, honking and playing loud music caught the attention of an officer who followed him to his home and carried out a search.

You can hear the final decision in this comment from Judge Stephen Breyer during oral argument:

BREYER: Well, here, if we take your point of view, then it looks like the house isn’t the castle at all for the most trivial of things. I mean, it sounds silly when your house isn’t your castle for some terribly minor things.

As Judge Elena Kagan wrote in the notice, “We are not eager – rather the other way around – to print a new authorization slip to enter the house without a warrant. Police must determine if this is an emergency or if imminent danger to others is imminent before acting without a warrant.

EICHER: Then, a 6-3 victory for the right to property in the event of union recruitment on the farms.

California law directs farm businesses to allow union organizers to occupy their private property in an attempt to recruit workers into the union.

Two companies have challenged the settlement, claiming it violates Fifth Amendment property rights guarantees. It prohibits the government from taking property without “fair compensation” for the owners.

California has defended the law, saying it limits the time allowed for union organizers to three hours a day for 120 days a year and because of that it’s okay.

During oral argument, this did not seem to convince Chief Justice John Roberts, as you hear in this exchange with the lawyer defending the law:

ROBERTS: But what if there is more than one union that wants access? I mean, it’s not – it’s not at all unusual for unions to compete for representation. So, does each union have its own 120 days?

MONGAN: Yes, Your Honor.

These parameters are not enough to justify the state taking away what opinion has called “one of the most precious rights” of property: the right to exclude people.

REICHARD: The court won a narrow victory in a class action lawsuit against investment firm Goldman Sachs. The company’s shareholders alleged that it had committed securities fraud and cited general company statements such as “we have integrity” as a basis for prosecuting.

The high court reduced the number of people in the group who had not suffered any tangible harm, then referred to a lower court to determine whether stock prices were actually affected by general statements about the character of the company.

EICHER: The fourth opinion is another class action case that also cuts the number of people in the case.

Here, thousands of people have sought damages from a credit reporting company called Transunion. They sued after discovering that Transunion had reported that their names matched those on a government list of suspected terrorists.

But in a 5-4 decision, the majority said about 6,000 of those people in the class had not suffered any tangible injuries, so they had no standing to bring legal action. That left about 1,800 people certified as having suffered tangible harm and so they can proceed.

Chief Justice Roberts illustrated this point during oral argument. He envisioned a law that provides for damages for anyone driving less than a quarter of a mile from a drunk driver:

ROBERTS: What is the concrete injury in my hypothesis? You were at risk, but you didn’t know it, and by the time you found out, you weren’t.

In other words: no harm, no fault.

REICHARD: Fifth opinion: The court, in a 6-3 decision, gives more time for small refineries to be exempted from the requirements that more ethanol must be blended into their products.

The Clean Air Act required quotas for biofuels in gas products to reduce America’s dependence on foreign oil. The corn and petroleum industries have been stuck in a dispute over the disparate application of this law.

EICHER: Number six: A victory for Native Alaskan corporations that had asked for a portion of the CARES Act’s $ 8 billion in Covid relief. This is the initial stimulus package of 2020: the law on aid, relief and economic security against coronaviruses.

Indigenous tribes, mostly in the lower 48 states, argued that these for-profit corporations are not federally recognized as a tribe, so the money should not be distributed to them.

It boiled down to what the CARES Act means by the expression: “recognized governing bodies of Indian tribes”.

By a vote of 6 to 3 judges, the court ruled these for-profit organizations do are called tribes and are therefore entitled to a share of the money.

REICHARD: Opinion 7 out of 10 in total today: this one is a majority unanimous victory for the separation of powers. Lots of dissent and agreements.

The central question was whether the president was free to remove the director of the agency that oversees federal housing mortgage companies Freddie Mac and Fannie Mae for reasons other than the “for cause” restriction.

This is a big problem, because the constitution gives great latitude to the executive to remove agency heads for any reason, not just for good reason.

The court struck down that wording “only for good cause”.

And on the same day that notice was issued, President Biden sacked the director of the Federal Housing Finance Agency.

EICHER: I’ll ask David Bahnsen about the economic significance of this decision here in a few minutes.

Our next case, number eight, was an 8 to 1 free talk case.

Here, the court backed the teenager who posted a vulgar statement on social media directed at her school. She was angry that she wasn’t on the college cheerleading squad.

In response, the school suspended her from the junior varsity team for a year. Her family filed a complaint for violating their right to freedom of expression. The majority agreed, believing that off-campus speech is a matter of parental authority rather than the control of the school.

The decision is not, however, exhaustive. Bullying, harassment and threats are always subject to school authority for punishment.

REICHARD: Penultimate decision here, ninth, on whether the judges of the US Patent and Trademark Office are misnamed. The answer is yes in a 5-4 decision, because these judges are not appointed by the president and confirmed by the Senate as required by the appointment clause of the Constitution.

This case is now referred on the question of how to fix the procedures of the patent and trademark office.

EICHER: OK, here’s the tenth. You may have heard of this. A unanimous decision that made the headlines: the nine judges claim that the NCAA – the National Collegiate Athletic Association – violated antitrust laws by banning certain compensation for student-athletes.

They will still not be paid directly in cash; this view only applies to a small subset of NCAA rules regarding education spending. Things like free lessons, musical instruments, and laptops.

The judges brushed aside the NCAA’s argument that paying for these particular expenses is changing the nature of sport from amateur to professional and that this should be enough to protect the association from antitrust violations. You might hear this in Judge Brett Kavanaugh’s comment during oral argument:

KAVANAUGH: I’m assuming that antitrust laws shouldn’t be a cover for the exploitation of student-athletes, so that’s a concern, a primary concern here.

REICHARD: I will add that he took up this idea in his concurring opinion. It invites virtually more litigation to further dismantle the NCAA’s grip on college sports.

I will quote some:

“The NCAA business model would be downright illegal in almost every other industry in America. Not all restaurants in a region can unite to reduce cook wages based on the theory that “customers prefer” to eat food from poorly paid cooks… Movie studios cannot stand. hear to reduce the benefits of film crews to ignite a “spirit of amateurism” in Hollywood. Pricing work is pricing work … under ordinary antitrust law principles, it is not clear why college sports should be any different. The NCAA is not above the law.

EICHER: And this is the first case in this term in which the Supreme Court upheld the U.S. Court of Appeals for the 9th Circuit. The 9th has gained a solid reputation: between 2007 and last year the Supreme Court overturned the 9th Circuit 78 percent of the time and so far this percentage is much higher.

And this is the Legal File for this week!


WORLD Radio transcriptions are created within an emergency time frame. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative recording of WORLD Radio’s programming is the audio recording.

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Arkansans without broadband underestimated by FCC, researcher says

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National broadband reports are a mess, and the cost of providing high-speed internet to underserved rural areas is even more complicated.

BroadbandNow, an independent research and advocacy group that monitors nationwide broadband deployment, reports that more than one million Arkansans do not have broadband service, contradicting Federal Communications Commission estimates according to which 574,000 households are not served.

The number is important because it will determine the final cost of providing broadband to these homes. Right now, there is wide disagreement in the state over how much money to spend on closing the broadband gap.

Gov. Asa Hutchinson and his Commerce Department were pinned down in the wrestling match with legislative leaders recently over the amount of federal money needed to improve broadband service in the state.

The administration was seeking $ 150 million, which would only have allowed the deployment of 150,000 Arkansans, but surrendered after legislative resistance. The governor worked with the Arkansas Legislative Council on a compromise spending $ 30 million for deployment on about 17 projects.

It’s a start, but there is still a long way to go if the BroadbandNow analysis is correct.

To assess the deployment, the FCC sends a form to providers asking operators to certify the census blocks they cover with broadband service.

The problem, however, is that a provider will check a box indicating that it covers a census block, but that does not necessarily mean that every household in that census block is receiving broadband service. Still, the carrier gets credits for the entire block.

The average census block in the United States ranges from 600 to 3,000 people. So if a provider provides broadband to 60 households in a census block of 600, the FCC counts that as 600 households receiving broadband.

BroadbandNow entered specific home addresses to test the FCC data and discovered the discrepancies.

“The key thing we’re comparing is the accuracy of the census block data against the reality of the address-level data,” said Tyler Cooper, editor-in-chief of BroadbandNow. “The reality is that there are houses and addresses that slip through the cracks.”

There are consistent errors in the FCC’s approach, according to Cooper. “In the case of Arkansas, an error is made 22% of the time in the FCC’s estimate,” he said.

Ultimately, that means nearly 500,000 Arkansans are not receiving the service, but the FCC measurement indicates they are.

BroadbandNow conducted a manual survey of 1,000 Arkansas households to determine the error rate and get a more accurate reading of who is receiving broadband service and who is not.

The cost of providing services to the million Arkansans, many of whom are in hard-to-reach rural areas?

“It is very, very difficult to predict the costs of the proliferation of broadband with any statistical precision,” Cooper said. “We’re really talking about a mixed deployment. Arkansas doesn’t use any technology or infrastructure. And then the technologies haven’t stabilized in price at all.”

Conclusion: it is too difficult to assess because the costs vary depending on the technology used. Today there are many ways to provide broadband including fixed wireless, fiber to the home, satellites in orbit, traditional networks like cable and DSL or 5G, which is the latest cellular technology.

Nationally, the FCC estimates that approximately 14.5 million Americans do not have high-speed Internet access. BroadbandNow, however, puts that number at 43.6 million, about triple what the federal agency is predicting.

The full study is available on broadnow.com.

CAPITAL GAINS

Arkansas Capital Corporation received a $ 1.2 million grant from the US Treasury Department to boost lending to small businesses crippled by the coronavirus.

The Little Rock Lender is one of 860 community development financial institutions selected to receive rapid response grants from the federal agency.

Arkansas Capital plans to use the funding to reach underserved entrepreneurial markets in Arkansas communities.

“Women, people of color and veterans all contribute significantly to our economy, and we will ensure that this continues,” Sam Walls, president and CEO of Arkansas Capital, said in a statement. .

“This award will allow us to be creative in how we connect small business owners with funding opportunities and match them with quality technical assistance providers to build sustainable businesses.”

Working in partnership with commercial banks, government agencies and other entities at the local, state, regional and national levels, Arkansas Capital has deployed more than $ 2 billion in capital financing.

Raise a glass

Tuesday afternoon, 10 local entrepreneurs will present their products and services to win $ 31,000 in prizes. The Shark Tank-like competition will virtually take place at 3 p.m., so you’ll have to raise your glass at home this year.

Businesses owned by women, veterans and people of color were preferred as candidates for this year’s competition. The group is focusing on Arkansas-based companies that have been financially affected by the pandemic and have annual sales of less than $ 100,000. The 10 candidates range from a Spanish tutoring company, to a computer coding company to a pizza restaurant company, among others.

Each entrepreneur will make a three-minute presentation in front of a panel of three judges and the virtual crowd. The judges will participate and vote for their favorites.

The winner walks away with $ 15,000 in cash. Second place earns $ 10,000 and third place earns $ 5,000. The online audience will vote for their favorite, which will take home $ 10,000 in cash.

The event is a collaboration between the Little Rock Venture Center, Venture Noire and the Arkansas Small Business Technology and Development Center.

More information is available at venturecenter.co.

BUILDING A BLACK BUSINESS

Approximately 40 black-owned businesses and nonprofits in the state receive financial support from the Arkansas Community Foundation and the Arkansas Black Philanthropy Collaborative.

The grants support programs and initiatives set up to help black people and communities in the Little Rock metropolitan area, including Pulaski, Saline, Perry, Grant, Faulkner and Lonoke counties.

Funding is provided by Facebook while the Community Foundation provides infrastructure support to provide the grants, and black leaders in central Arkansas have selected organizations to receive the money.

Grant recipients serve areas that include small business support and economic development, community improvement, human services, civil rights, leadership development, education, arts and culture, and health.

“This significant grant will allow Black-led organizations to amplify their voices in the giving space,” said Derek Lewis of Black Philanthropy Collaborative. “The 40 grant recipients were able to demonstrate established relationships and a good track record of working on activities that impact black communities.”

Ideas for columns or recommendations? Any thoughts or reflections to pursue? Contact me at [email protected] or at 501-378-3567.

Hong Kong’s aging population is main focus of decennial census, as city seeks to measure future needs for care services

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Hong Kong’s annual population census began on Wednesday with a focus on measuring the growing proportion of older people in the city.

A data subject newly added to the 2021 census asks respondents about the number of elderly people in need of care in a household, in order to measure the demand for care services and personnel.

“This new data topic will help analyze the different demands for elderly care services in each district. It will also be useful for future government policy making and planning, ”said Marion Chan Shui-yu, Commissioner of Census and Statistics.

Do you have questions on the biggest topics and trends from around the world? Get the answers with SCMP Knowledge, our new curated content platform with explanations, FAQs, analysis and infographics brought to you by our award-winning team.

The survey as a whole would also provide insight into other population needs, such as education services and social housing, she said.

Begun in 1961, the census is taken every 10 years, with a partial census every five years.

The last partial census by the Census and Statistics Department in mid-2016 found that that year the number of Hong Kong people aged 80 and over had increased by 67% to more than 340,000 people, signaling a population aging.

About 3 million households are expected to participate in the survey, which will run from June 23 to August 4.

Chan said 90 percent would be required to complete an abbreviated questionnaire, which aimed to collect basic demographic information about household members, such as their age, occupation and level of education. The survey would take approximately 10 minutes to complete and could be submitted online, by phone or by mail.

The remaining 10 percent will respond to a comprehensive data survey, which collects information on the socio-economic characteristics of households.

Hong Kong population decline warning as deaths exceed births for the first time

The longer survey will take around 30 to 40 minutes, and households have the option of responding online, by phone, or by making an appointment with census officials to conduct an in-person interview at home.

The census will take place in two phases and respondents will be able to submit the survey from Wednesday to July 17.

For those who do not complete the questionnaires, some 7,000 temporary enumerators will be going door-to-door to collect information, starting July 18.

When asked if the ministry would face any problems with data collection given that trust in the government had waned, Chan stressed that the answer was a legal requirement.

If a household refuses or gives false information, it can be jailed for six months and fined up to HK $ 5,000.

The Census and Statistics Department has a budget of HK $ 950 million to conduct the 2021 census and is expected to employ 7,000 field officers, up from 16,000 in 2011.

Chan said the department has encouraged households to submit questionnaires online, by phone or by mail to reduce person-to-person contact due to the coronavirus pandemic.

Members of the public can call the census hotline at 182021 for information.

For the latest news from the South China Morning Post, download our mobile app. Copyright 2021.

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Top 5 Reasons Real Estate Prices Keep Rising

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Obtaining a loan of the same size at a lower rate makes rental yields more attractive to investors, while lower rates increase the borrowing capacity of homeowners to buy a larger home or outbid competitors. for the house they want.

Time and time again, the Australian property market has proven that lower interest rates are fuel for property prices. The current boom of the past six months is a prime example. Population growth has stalled since the COVID-19 pandemic, wages are stagnating and yet house prices are breaking new records. The main explanation is the drop in the Reserve Bank’s cash rate to 0.1 percent last November.

There are good reasons to set interest rates that have nothing to do with the housing market. The Reserve Bank cuts interest rates to stimulate jobs and spending and increase inflation, not to raise house prices. This is also happening in a global context of ultra-low interest rates.

Some people argue that lower interest rates make housing more affordable because they reduce repayments. There are now many home loan rates that start with a 2 and even a 1. However, Brendan Coates, director of the economic policy program at the Grattan Institute think tank, says the people who benefit the most from the lower rates are existing owners. As interest rates fall, their repayments have gotten cheaper, while the value of their property skyrockets.

For potential buyers who are still saving for a deposit, interest rate cuts make homeownership even more inaccessible. “It widens the gap between the haves and have-nots,” Coates says.

Access to credit is also determined by the Australian Prudential Regulation Authority, which gives banks a set of rules to follow when granting a loan. APRA has the power to cushion the market in the short term, but Coates says the mechanism generally loses its effectiveness over time as banks find ways around it and non-bank lenders respond to unmet demand. .

2. Population growth

The main factor that increases demand in the long run is population growth, as this means more people need a place to live. Last year, the national population increased by 0.5 percent, mainly due to natural increase. From the turn of the millennium until the start of the pandemic in March 2020, it was increasing by 1.5-2% per year and Sydney and Melbourne took a big chunk of it. Usually, much of the population growth comes from immigration, which stopped last year.

National immigration policy is determined by many economic and social factors, not necessarily related to housing. Immigration has many benefits, from economic growth to greater cultural diversity. But there are also tradeoffs, such as increased demand for housing.

Peter Tulip, the chief economist of the Center for Independent Studies, studied the effect of immigration on house prices. He looked at the period from 2005 to 2018, during which immigration accelerated from an annual inflow of around 120,000 to almost 190,000 per year. He found that if this had not happened, the rents would be 9% lower and this would affect the purchase prices.

3. Planning controls

There is always a lag when supply catches up with demand and planning controls can make this worse by preventing supply from meeting that demand. In the context of Australian cities, this means restrictions on higher density.

Tulip believes the main cause of housing affordability is that developers are not allowed to build high-rise apartments in most areas. “The main reason we have these planning restrictions is that local neighbors insist on preserving the character of the neighborhood and these arguments ignore the interest of those not involved in the decision – potential buyers,” says Tulip. “But preserving the character of the neighborhood is actually worth very little to the amenities of the neighborhood. “

Tulip indicates apartment developments in areas of Sydney such as Forest Lodge near Glebe, Chatswood and Green Square. Despite community opposition, property prices have since risen in these areas, in line with neighboring suburbs where apartments have not been built. Tulip says this indicates the apartment buildings have not diminished amenities.

Some areas of Sydney have an aversion to high density life.Credit:Bloomberg

However, amenity concerns include the issue of green spaces, something that is even more valuable to apartment dwellers than backyard owners and has come to the fore since the pandemic. Previous analysis by The Sun-Herald revealed that the areas of Sydney City Center City Council bearing the brunt of the highest density are also those with the least open public space per existing resident. Many schools are also strained, with handheld devices taking up a lot of play space.

Hartigan agrees that more density is needed, but says mega-apartment developments could be counterproductive. “It might actually exacerbate the problem with NIMBYism because people walk past them and think ‘oh my god I don’t want my suburb to become like this’,” he says. “Do we want to live in a city where we have 20 Hong Kong-style concentrated areas within cities and then a whole bunch of local government areas with 1,000-meter blocks, or do we want something more balanced? Hartigan says it would be fairer if there was medium density across the city rather than high density pockets and low density pockets.

4. Tax policy

Australian tax policies favor real estate investment over investment in other assets. Negative debt means that an investor can deduct investment losses from his income, making it tax-efficient. Technically, you can leverage stocks negatively, but it’s much more difficult. The logic is that it’s the same as generating a business loss – you only pay income tax. The counter-argument is that the losses are deliberate.

Negative debt goes hand in hand with capital gains tax (CGT). Usually investors would avoid a loss, but they make an exception because they are speculating on a capital gain in a few years. When they obtain this surplus value, they must pay the CGT on the surplus value. But for individuals who hold the asset for 12 months, the tax is cut in half. The rate is the same as the individual’s marginal tax rate, which means they can also plan the sale for a year with lower income.

Self-directed super funds can also buy negative goods and equipment, although the capital gains tax cut is less.

Many economists believe that tax policy should be reformed to be more neutral, to encourage investment in a wider range of assets in addition to real estate. However, the impact on house prices would be small. Grattan’s research suggests that if negative debt were abolished and the capital gains tax cut was reduced from 50 to 25 percent, house prices would be 2 percent lower. “These tax breaks are only worth a few billion dollars a year against the backdrop of the $ 7 trillion housing market,” Coates said.

The problem with policies like first-time homebuyers subsidies is that they are likely to increase demand and therefore push prices up further.

5. Old age pension

While tax policy increases demand for housing as a financial asset, old age pension eligibility rules discourage homeowners from selling. The family home is not taken into account in the old age pension asset test, so a person in Dubbo with a $ 300,000 house is treated the same as a person in Balmain with a 3 million house. of dollars.

Renters also get the short straw as they are only entitled to $ 214,500 in additional assets to make up for not having a home, although they may receive rent assistance.

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This encourages retirees to stay in their large homes and even expand or renovate if they need to cut down on their cash flow. “A huge motivation is to pass on heirlooms to their children,” says Coates.

This is perfectly rational and individuals are not to blame, but in an ideal world pension policy would be neutral and not penalize people for downsizing.

However, most experts believe that this would not have a huge effect on house prices, as retirees stay at home for other reasons as well, and not all retirees have access to the pension.

The Morning Edition newsletter is our guide to the most important and interesting stories, analysis and ideas of the day. register here.

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A new book on the salmon population in Canada, a revealing read

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I guess I’ve always been kind of a climate denier.

Yes, something was wrong; things got hotter and more volatile, but I couldn’t be sure that was something people did.

Nature has undergone massive changes in the past, but we have always come out of it. When I was a kid in the 1950s, scientists predicted that we were getting closer and closer to another Ice Age.

Now we have clearly put our lives on the line with the heat – sweltering and suffocating heat – and ocean storms, unstoppable forest fires and collapsing ecosystems. Our governor even had the nerve to blame the failure of our power grid during the massive February blizzard – unlike anything we’ve seen in Texas – on an addiction to wind turbines.

After:Leggett: Leave the fawns alone; moms have some “time for me”

This blackout had been predicted years ago, but no one did anything until it was too late. So we’re going to appoint another committee to study it and then do nothing until we have another crisis in our hands and then try to transfer the problem to someone else.

What I’m trying to say is that the fish populations, the wild fish populations like salmon, are in trouble as we try to get permission to dig and move millions of tonnes of the delta. the Alaska River in Bristol Bay in order to get a few ounces of gold that no one needs except the big interests who put the money in to fund the “Pebble Mine”.

It’s been on the table, then off the table, then on again and now again, as we have changed presidents and governments who have divergent views on the importance of saving and preserving stocks. salmon and fragile ecosystems or letting some people make big money by ignoring the impact on these same fish.

OK, this is the sermon. Now here is what squeezed me so tight that I practically vibrate. It’s a book, “Kings of the Yukon”, by Adam Weymouth. He’s a young British author who lives on a boat in London and hasn’t responded to emails, at least for a few months.

After:Leggett: Fish should be removed from private lakes annually to ensure larger bass can thrive

Weymouth was never an angler, but he wanted to write something about salmon and what is happening to him all over the world. He chose the king salmon, or Chinook if you prefer, and their decline in the waters of Canada and Alaska.

My wife bought me the book and I read it about 24 hours after an information marathon about the famous Yukon River salmon, which travels nearly 2,000 miles from Canada to the Pacific Ocean. . Weymouth decided he would like to paddle the river and talk to the various indigenous peoples he met, as well as the European descendants of the white settlers in the area.

It was an incredible and courageous epic adventure on a wild and beautiful river that has been the lifeblood of Alaska and the Yukon for longer than there has been anyone around to write and keep track. Weymouth did it with a brave heart and sturdy back, coupled with a keen eye for the social and historical aspects of life built around a single fish.

Kings are, or were, giant salmon who kept indigenous peoples alive through freezing winters and long arctic nights. The fish supported entire native populations, almost all of whom had their own “fish camps” to which they returned each spring when the salmon began their grueling return to the various waters where they were born.

After:Leggett: Induct the Ring-tailed Cat into the Cute Animal Hall of Fame

But, instead of clear, swift water, they encounter dams, nets, and modern fishing techniques that threaten their very existence, and with it the existence of the humans who colonized rivers and depend on salmon for their livelihood. life.

Their traditions, myths and legends about fish have been trampled and plundered along with salmon. Many of the fishing lodges are empty and rotting now, as it seems that every year for decades, fewer and fewer salmon are returning to the Yukon and other northern rivers.

The huge Alaskan canneries that grew after people in North America and around the world found salmon to be good food, easy to buy, and cheap to put on the table have for the most part closed, this which means that the inhabitants of the river are now out of a job, as well as a source of food.

Weymouth pulled his canoe out onto the shore, small town after small town, talking to the people and learning all he could about kings. He learned that there were other salmon as well – sockeye, sockeye, chum and more – all of which were part of the traditions and the lunchtime, inseparable from people’s lives but essential to their very survival.

In some years hardly any salmon returned to the river to spawn, and slowly the younger ones left the river and moved to the towns, where they could find work and perhaps a spouse and raise children. without the stories and adventures of the fishing camp. .

It is a very sad and predictable story of what happens when some people mistakenly believe that animals and fish are a bottomless resource that only exists for their profit and use.

We have an almost endless list of examples here in North America. Beavers have been trapped almost out of existence just to make fancy hats for guys. Whooping cranes are still on the brink of extinction, where they have been hunted for feathers to make women’s hats. Old growth forests were razed to make newsprint for papers and to provide lumber for homes, taking with them birds such as the red-horned woodpecker and others.

After:Leggett: Hummingbirds return, signaling a return to normal after February blizzard

Grizzly bears are almost extinct in the Lower 48, but in Alaska they are latching on, thanks to the salmon that still return each summer to spawn and keep their species alive.

We could go on and on with this, but the truth is there for us to see, if we’re brave enough to see and react to it. I don’t have the answers. I only know that we have to act now or suffer the collapse of the species and after the species that we cannot replace and that we have to keep ourselves alive.

Weymouth does not spare his own country in the writing, covering the decline of Atlantic salmon populations in England and Scotland, and I can attest to that. My family and I spent two weeks a few years ago renting a house on Loch Ness in Scotland.

The fishermen there are meticulous in keeping records and can tell you at any time how many salmon have been landed on their river in any given month. They put it on the Internet. I have seen numbers around 30-50 fish per month across Scotland. I tried to find a guide to take me to one of the rivers for a day of fishing, but couldn’t find one that even took my money. “No fish, no fishing,” I have been told over and over again.

It was brutal and disappointing, and I never forgot to walk past these surprisingly clear and beautiful rivers and hardly see anyone fishing there.

I knew then that we had to do something, but what? I do not know. I just hope I can catch some bass this summer.

If you can read “Kings of the Yukon” without reacting to the plight of the fish and the inhabitants of this mighty river, you are welcome to experience it. Weymouth gave us some food for thought, something I think about as I prepare to head back to Alaska this summer to fish for rainbow trout and salmon.

You can find it on your Kindle reader, and it’s worth buying it. “The kings of the Yukon. Buy it. Read it. And worry about me.

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Here is a list of Xiaomi devices that will receive MIUI 13 in August – Mi MIX 4 to start the system

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Xiaomi is currently focusing its efforts on the MIUI 13 project internally. According to speculation to date, the company will officially announce this system in August of this year. Moreover, the first device to launch this system could be the next Xiaomi Mi MIX 4. At the moment there are already a few unofficial lists of smartphones that will receive this update. Of course, we already know that all of the company’s latest flagships will receive the update.

According to reports, here are the Xiaomi and Redmi devices that will receive the update

  • Xiaomi mi 11
  • Xiaomi Mi 10 series
  • Xiaomi-Mi 9 Series
  • Redmi K40 Series
  • Redmi K30 Series
  • Redmi Note 10 series
  • Redmi Note 9 series
  • Redmi Note8 Series

In addition, it may be of interest to some users that the pretty old Xiaomi Mi 6 still benefits from the MIUI 13 update. The Xiaomi Mi 6 is now a “golden boy” for Xiaomi. According to Lei Jun, after four years, the Xiaomi Mi 6 still has over 2 million users. It’s pretty impressive from Xiaomi’s point of view.

MIUI 13 will improve over MIUI 12

Speculation so far shows that the MIUI 13 will focus on the “distributed menu”. It will come with more content options including photo and video, health, smart home, battery and power, car, office and productivity, travel, multi-device interconnect. , privacy protection, cloud services, basic tool services, etc. The system will support collaboration and cross-display operation with computers, tablets and televisions.

The new MIUI 13 system will achieve the unification of status bar and system police. This system update will also unify the style of the scroll bar. At the same time, it will also optimize the display of blank pages and loading pages. To achieve unification of status bar and system fonts, the update will also optimize icon loading. While optimizing blank pages and shedding, it will redesign the sliding style of the progress bar.

Xiaomi promises that dynamic effects and display effects are smoother and more vivid than MIUI 12. Well, we expect every upgrade to definitely have a better experience than the previous generation. In addition, MIUI 13 will also add a lot of streamlined design. After all, MIUI now appears to be too bloated. MIUI 13 will also provide working plugins that retain streamlined functions by default. Users can choose their own functional modules to install.

What do you think of the upcoming MIUI 13 system? Will this improve the overall performance of MIUI? Let us know your thoughts in the comment section below.

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Biden nominates two for best HUD roles

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It has been a busy week for the Biden administration as it focused on the housing industry, appointing and appointing new leaders for agencies governing the industry.

Following the appointment of Sandra L. Thompson, a veteran of housing and banking regulation, as Acting Director of the Federal Housing Finance Agency (FHFA), President Joe Biden announced the appointment of Julia Gordon as Deputy Housing Secretary, Federal Housing Commissioner, US Department of Housing and Urban Development (HUD); and Dave uejio for the Deputy Secretary for Fair Housing and Equal Opportunities, HUD to further stabilize the nation’s housing market oversight.

Gordon is currently chairman of the National Community Stabilization Trust (NCST), a non-profit organization that supports neighborhood revitalization and affordable homeownership by facilitating the rehabilitation of residential properties in underserved markets. In addition to managing NCST’s programmatic work, Gordon specializes in federal policy related to homeownership, community development, and the national housing finance system.

“Julia Gordon is the right person at the right time to lead the Federal Housing Administration,” said National Housing Conference (CHN) President and CEO David M. Dworkin. “It is respected by the wide range of stakeholders in the public, private and non-private housing and housing finance sectors. Throughout her remarkable career, she has demonstrated the greatest commitment to housing and homeownership in America.

Previously, Gordon served as Senior Director of Housing and Consumer Finance at Center for American Progress, Director of the Unique Family Policy Team at FHFA and Senior Policy Advisor at Center for Responsible Lending. She has also worked in the civil legal aid sector and as a litigation partner and pro bono coordinator at the law firm. WilmerHale. Gordon received his Bachelor of Public Administration from Harvard College and his Doctor of Laws from Harvard Law School.

“The MBA applauds the appointment of Julia Gordon as the head of the Federal Housing Administration,” said Mortgage Bankers Association (MBA) President and CEO Bob Broeksmit, CMB. “We look forward to continuing to work with her, Secretary Marcia Fudge, and others at HUD and administration to ensure a strong FHA program that provides affordable housing opportunities, both rental and owned, for all. Americans, while protecting taxpayers. We also look forward to working with the agency to complete essential work to improve efficiency, instill certainty, and bring more lenders back to the FHA program. “

Uejio, current interim director of Consumer Financial Protection Bureau (CFPB), oversees a budget of $ 600 million and a staff of 1,600 dedicated to protecting consumers against unfair, deceptive and abusive practices in the financial market, through the enforcement of the Federal Consumer Law. Currently, the CFPB oversees more than 150 deposit-taking institutions with assets totaling over $ 10 billion.

Prior to becoming Interim Director, Uejio served CFPB as Interim Chief of Staff, Head of Talent Acquisition and most recently as Director of Office Strategy. As Chief Strategy Officer, Uejio led the development of an integrative approach to strategic planning, policy prioritization, enterprise risk management, organizational performance and program evaluation.

In addition to his experience at CFPB, Director Uejio has held human resources positions at the National Institutes of Health, the Office of Personnel Management and the Office of the Secretary of Defense. Uejio began his career in the public service in 2006, when he joined the NIH as Presidential Management Fellow.

Uejio co-chairs the Federal Innovation Council, an interagency body of the federal government responsible for stimulating innovation in the public sector. He also co-founded an event to connect, develop and inspire emerging leaders in the public service, the Next Generation of Government Summit. He received a master’s degree in public policy from the University of Minnesota and a Bachelor of Arts degree from the University of California at Santa Barbara.

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Pollinators find growth at DTE’s O’Shea Park as bee populations attempt to rebound

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Kristen LeForce likes to think of her fellow pollinators as colleagues. And she has more than a few.

“In our hives here at O’Shae Park we have 160,000 bees! I like to say I have 160,000 colleagues working with me at the solar field,” said wildlife biologist DTE.

She’s also an expert in pollination and on a mission to help their vital populations bounce back.

It’s a mission that everyone would benefit from, she said.

“All the things that are really delicious to eat like chocolate, cherries and most fruits are all pollinated by bees or butterflies, so they are very important to us as well as the environment,” LeForce said.

Almonds, apples, bananas, blue berries, peaches, pears, and even coffee all need pollinators to help them thrive. Studies show that they are involved in one in three mouthfuls of the food we take. They are also known to be part of over a thousand different foods that we grow and consume.

But the world of bees and butterflies and the essential role they play in our ecosystems are in trouble.

Experts noted that since 2006, honey bee colonies have declined. According to the US Department of Agriculture, the abnormal state of colony collapse syndrome, where most worker bees disappear, leaving only a queen, abundant food, and a few nurse bees contributed to their downfall. number.

Studies show that it is a mixture of factors that cause CCD.

“It’s a mixture of pesticides, also of pests like mites that they can catch, and also of climate change. Not just honey bees, but also our native bees,” said Melissa Bobowski, a beekeeper with Bees in the D. “Without the bumblebees we would be wiping out – I think there are over a thousand different foods that we need pollination for.”

Bobowski says there are a few things people can do to prevent further calamity to the bugs.

“Reduce your use of pesticides in your gardens. Also for your climate change – anything you can do to combat climate change,” she said.

Companies like DTE have also invested heavily to see their populations rebound. At its Detroit solar farm, the utility is taking advantage of available land to help bees thrive.

“We have planted pollinator plants and seed mixes under our solar panels here at O’Shae Park and so something you can do is emulate that in your garden. You can plant native flowers and herbs that are good for the pollination they can eat, caterpillars can do a lot of things, so you can do it in your own backyard, ”LeForce said.

Providing nectar resources for bees and other pollinators is essential for them to thrive, she said.

And they’re not even that dangerous.

“Bees in particular aren’t really scary, they’re quite docile. They don’t want to bother you if you don’t bother them. So if you give them their space, make sure they don’t feel threatened, and you can coexist with them in your garden, ”said LeForce.

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Beware of ticks this summer as experts say the population is on the rise

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After a mild winter, experts warn of a particularly bad tick season in 2021.

East End Tick & Mosquito Control phones rang “off the hook,” owner Brian Kelly said. And even though he’s taking precautions himself, he found a Lone Star tick on his chest last week.

“They don’t just happen on beaches and parks, these tick encounters, but most of the calls I get are from people who find ticks in their own backyards all over the East End,” a- he declared.

Experts say the lack of deep frost on the ground this winter, combined with a large acorn harvest two years ago, has allowed tick populations to thrive.

“Mice like to feed on these nuts and if mice have a lot of food they are the reservoirs for tick-borne diseases,” said Dr Anna-Marie Wellins of Southampton Hospital. “So no more food, no more mice, no more ticks, no more infected ticks.”

This corresponds to the trends observed by some doctors. Dr Erin McGintee, who is on the medical advisory board of the Southampton Hospital Tick Resource Center, said the number of alpha-gal allergies she had diagnosed in 2020 was ‘significantly higher’ than in 2019. Alpha-gal, which is associated with Lone Star ticks, causes allergic reactions to red meat.

She doesn’t really focus on other tick-borne illnesses, but Suffolk County tracked higher Lyme disease infection rates among ticks in Southold in 2020 – at 58% in adult ticks. black-legged, it was 20% higher than the infection rate in 2019. The Lyme disease infection rate in nymphs of this species has remained relatively stable at 46% versus 44%.

“I have a few theories,” Dr. McGintee said, referring to the higher number of alpha-gal diagnoses. “I don’t know if my theories are correct. But… one thought was, it’s just because we have so many people here.

She pointed out that the population of the East End has increased during the pandemic. “Maybe the summer people went out in March and never left,” she said. She also suggested that the pandemic may have caused people to opt for more outdoor activities than usual, causing higher exposure.

“And then I think the third reason could be that the more years this allergy has been around, the more people become aware of it,” she said. “So people may be more likely to recognize their symptoms as an alpha-gal allergy and seek evaluation and testing for it.”

Dr Wellins, who has also seen more and more patients worrying about tick-borne illnesses, expressed a similar sentiment.

“I think… the public is more and more educated and they are pulling the strings earlier, they are more vigilant than they have been. So I think education works, ”she said.

Dr Wellins pointed out that deer, which often carry ticks, are also more displaced, forcing them to migrate to residential areas.

“I was in Southampton Village [and] there was a doe in the parking lot, ”she said. “It is not uncommon to see them walking in the street, on the sidewalk.

Craig Jobes, town of Southold environmental analyst and a member of the deer management task force, said the deer population was no longer “exploding” and the town “was at near record highs. every season now, as far as the harvests are concerned. ” “, But they” still have difficulty in bringing down the population “.

“I mean, do [deer] have an effect on the tick population? Yes. But there are other factors as well, ”he said.

Deer are not the only species that carry ticks. Dr Wellins said ticks will attach themselves to any animal, including dogs and humans, and feed for a few days before falling.

Mr Jobes also expressed his concern about the Lone Star tick. Of the three East End tick species, he said they were the “most aggressive”.

“Years ago we never really had them here and then all of a sudden, say six or seven years ago, they really blew up with them. And these are really prolific species of ticks, ”he said.

Dr Wellins said what people think are bites of chiggers, tiny arachnids, are actually bites from Lone Star larvae. There are no chiggers on Long Island, she said.

“[Female Lone Star ticks] lay… a nest of eggs, and you enter these areas with your bare feet or sandals. Now these larvae are much more aggressive than deer ticks, ”she explained.

Dr. McGintee called the Lone Star a “tick hunter”.

“It really actively searches for prey,” she said. “It detects carbon dioxide from people and animals, and it will actually chase you. Like if you are sitting on your lawn and a Lone Star tick senses your carbon dioxide, it’s not like it is tripping over you. He will actually follow you.

Jonathan Malewicz, a resident of Mattituck, said he had already encountered “too many” ticks this year.

“You kind of always have to check if you’re outside,” he said. The other day, he added, he checked his dog and “there must have been at least 15 ticks on him.”

“He’s an indoor dog,” Malewicz said. “I don’t know if he rolled into a nest. But it was in our backyard, [and] we don’t have deer coming into our yard, just squirrels and birds and things like that.

The Town of Southold publishes information on how to prevent tick bites and what to do if you find a tick on yourself, both online and at kiosks at the entrance to its networks of trails. Southampton Hospital’s Regional Tick-borne Disease Resource Center also has online information, as well as a tick removal helpline and doctor referrals at 631-726 -TICK. They also offer free personal tick removal kits, which can be requested on the helpline or by email. [email protected]

Dr. McGintee recommends that anyone with suspected alpha-gal allergy see an allergist. She advises, however, that people shouldn’t get tested for alpha-gal unless they show symptoms.

“I know it sounds a little scary to people, because they say oh, I had a Lone Star tick, so what am I supposed to do, wait to eat meat and have anaphylactic shock , then go see an allergist? And the truth is, it’s probably somewhere in between, ”she said.

As with other food allergies, it is possible to see a false positive test result.

“On the other hand, if you have a Lone Star tick bite, it might not be the smartest thing in the world to go out and eat a huge burger two weeks later,” he said. she adds. “Because we know that if you develop an alpha-gal allergy, you are at the greatest risk for a reaction within a few weeks of a Lone Star tick bite. And we also know that larger portions and fatter meats are more likely to cause bigger problems. ”

Dr. McGintee recommends that people watch their meat intake for the first month after a bite, to make sure they can tolerate leaner, smaller portions of meat without any symptoms. She pointed out that the alpha-gal allergy causes “acute allergic reactions occurring three to six hours after ingestion of mammalian meat, usually fatty mammalian meat.” The most common symptoms are itching and hives, followed by gastrointestinal symptoms.

In the meantime, Dr Wellins has said to “take the time to protect yourself”. She put together a list of tips:

• Wear long pants and long sleeves, which will also help protect you from the sun (but be careful to stay hydrated).

• Insect repellent or lemon eucalyptus oil on arms, legs, neck area – anywhere that is exposed.

• Wear light-colored clothing and avoid sandals.

• Wear tight socks over your pants. “Not very trendy, but it works.”

• Wear rubber boots or waders in the garden.

• If you are outdoors regularly, treat your clothes with permethrin (or buy pretreated clothes). You should do this outside so there is good ventilation. Very important: Do not apply permethrin to the skin. Effective for limited washes. Apply only to fabric (sneakers maybe, but not boots).

• Sometimes rolling a lint roller when you’re outside will catch ticks before they have time to get under your clothes.

• When entering from outside, put your clothes in the dryer – the high heat will kill ticks on the clothes. Do this before washing, what ticks can survive.

• Take a shower after going out, then check for ticks. “They like to attach themselves to warm, dark places, like behind the knee and the groin area, or the lower back, under the arms and sometimes the neck area.” Daily checks are important.

• Have your property treated against ticks by a professional. Dogs and other pets could be potential carriers.

• If you find any on your body, remove it immediately using tweezers or the like and get as close to your head as possible. Pull it up and use alcohol to disinfect the area afterwards. “There are a lot of old wives’ tales that we tell people to never use” – don’t use petrol or a lit match. Not only could you injure yourself, but the tick can regurgitate its stomach contents, potentially speeding up the transmission of pathogens. After removing it, put it in a sealed transparent bag and take a photo. Enlarge the photo to identify the tick.

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Collier County Defines Criteria for Redistributing with Census Data En route

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With the 2020 census county-level demographics expected soon, Collier County commissioners on Tuesday approved the criteria to redraw the commission’s district boundaries.

County commissioners are required to recut after each decennial census. Districts must be contiguous and contain populations as close to equality as possible, according to the Florida constitution.

In addition, one of the five county commissioners must reside in each of the newly drawn districts.

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Mike Bosi, the county’s planning and zoning director, said county staff will use the same criteria to redraw districts that were used in 2011 after the 2010 census.

The US Census Bureau estimates the population of Collier County in 2020 at 392,973 people, which is an increase of about 71,500 people from the 2010 population.

The county does not anticipate that the population increase has been evenly distributed among the five districts, which is why a redistribution is necessary.

“The redistribution process is undertaken so that each district has the most equal number of population, so that each vote has the same equal power,” Bosi said.

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Once the final data is released in August, county staff will use criteria approved by commissioners on Tuesday to identify the necessary population adjustments that need to be made to each district.

The county will use four primary criteria and four secondary criteria to draw new district boundaries, Bosi said.

The main criteria aim to have districts with similar population sizes and compact and regular shaped boundaries. The residence of a commissioner must remain in his current constituency. Racial and ethnic populations must be taken into account under the 1956 Voting Rights Act.

The Voting Rights Act prohibits the denial or restriction of the right to vote on the basis of race, color or minority language status. Article 2 of the Voting Rights Law prohibits the creation of electoral districts which unduly dilute the voting power of minorities.

The secondary criteria call for rejecting any plan that reduces the voting power of minorities.

When not in conflict with other criteria, they also call for using easily recognizable boundaries such as main roads, maintaining current boundaries as much as possible and not dividing neighborhoods.

The new limits are also expected to apply to the five Collier County School Board seats that span the county.

County staff will ask the school board at its July 27 meeting to agree that the county board and school board will use the same district boundaries.

The county will ask school district support staff to assist with the redistribution efforts.

The Collier County Election Supervisor’s Office has also made its staff available to provide technical support during the process, according to the county.

A private sector law firm will provide an independent review of the county redistribution process and proposed final district boundaries, depending on the county.

After the county receives the data from the US Census Bureau, staff will work with representatives from the school district, the election office supervisor and the independent law firm to begin drawing district map projects, said. Bosi.

Data from the US Census Bureau is expected to arrive in mid-August.

Once the district map projects are drawn, county staff will engage with the cities of Naples, Marco Island and Everglades City and the public for feedback, Bosi said.

Seven community meetings will be held in October. One in each of the five districts will be held in November so the public can review draft maps and provide comment, Bosi said.

“In Collier County, we take this and we go out and we talk to the community,” Bosi said. “Anyone who wants to comment, anyone who wants to get involved, there will be an avenue.”

At least three draft district maps will be presented to the commissioners at the December 14 council meeting. The board will receive feedback from the public meetings and then select a final version.

Bosi praised the 2011 redistribution efforts to keep Commissioners out of the process until presented with draft maps and public comment.

“One unique aspect that I remember from the 2011 redistribution effort was that the commissioners were separated from the process because it could be seen as a political process,” said Bosi. “We see this as a personal one, we have the criteria that are in the executive summary, but it’s a math problem for us. It’s a math problem we’re trying to solve based on the principles of math and on the basis of these criteria. ”

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Mayo Clinic offers more public walk-in clinics for Covid vaccines

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Rochester, MN (KROC AM News) – The Mayo Clinic continues to offer walk-in clinics for anyone wishing to be vaccinated against COVID-19.

Clinics are available in Rochester and its health system sites in Albert Lea, Austin, Owatonna and Red Wing.

the clinics will be available until July 8.

Mayo says anyone 12 and older can attend these clinics. Children under 18 must be accompanied by a parent or guardian. Children should drink plenty of fluids and have a good meal or snack before getting the vaccine.

The types of COVID-19 vaccines differ depending on the location of the clinic and the patient. Johnson & Johnson and Moderna COVID-19 vaccines are recommended for adults 18 years of age and older. The Pfizer COVID-19 vaccine is recommended for ages 12 and over.

While the Johnson & Johnson COVID-19 vaccine is given as a single dose, the Moderna and Pfizer COVID-19 vaccines are given as a series of two doses. The second dose of Moderna is given 28 days after the first and the second dose of Pfizer is given 21 days after the first. If you receive any of these vaccines, you will need to schedule your second dose.

Here is the Rochester clinic schedule:

  • Wednesday June 23 from 9 a.m. to 3 p.m.
    This walk-in clinic will take place at Phillips Hall, Siebens 1.
  • Thursday June 24, 2 p.m. to 7 p.m.
    This walk-in clinic will be held in the Professional Building at 41st Street, 4115 West Frontage Road NW, at street level.
  • Friday June 25 from 9 a.m. to 1 p.m.
    This walk-in clinic will take place at Phillips Hall, Siebens 1.
  • Monday June 28 from 9 a.m. to 3 p.m.
    This walk-in clinic will take place at Phillips Hall, Siebens 1.
  • June 29, 2 p.m. to 7 p.m.
    This walk-in clinic will be held in the Professional Building at 41st Street, 4115 West Frontage Road NW, at street level.
  • June 30 from 9 a.m. to 3 p.m.
    This walk-in clinic will take place at Phillips Hall, Siebens 1.
  • July 1 from 2 p.m. to 7 p.m.
    This walk-in clinic will be held in the Professional Building at 41st Street, 4115 West Frontage Road NW, at street level.
  • July 6, 2 p.m. to 7 p.m.
    This walk-in clinic will be held in the Professional Building at 41st Street, 4115 West Frontage Road NW, at street level.
  • July 8, 2 p.m. to 7 p.m.
    This walk-in clinic will be held in the Professional Building at 41st Street, 4115 West Frontage Road NW, at street level.

Johnson & Johnson, Moderna and Pfizer COVID-19 vaccines will be offered at these walk-in clinics. If you need to schedule a second dose, you will be given a card with instructions when you leave the walk-in clinic.

Update: The Rochester cyclist who was killed on Tuesday was an employee of the Mayo Clinic.

WATCH: This is the richest city in every state

Just saying the names of these towns immediately conjures up images of grand mansions, fancy cars, and fancy restaurants. Read on to see which city in your home state received the title of richest place and which place had the highest median income in the country. Who knows, your hometown might even be on this list.

The pandemic has proven that we are not financially prepared for times of crisis – Forbes Advisor

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As the Covid-19 pandemic swept the country, the abrupt changes in our lifestyle also rocked our financial systems. Job losses, income cuts, health problems and economic restrictions have shaken our financial bases, especially for those of us who did not enter the pandemic with the strongest financial bases.

It appears that fewer of us are prepared for the monetary ramifications of the pandemic than we might have hoped. Without government intervention during the worst days of the Covid-19 crisis, many Americans would not have had the cash trail to cover their basic expenses for more than a few weeks.

Nearly 40% of people who had emergency savings before March 2020 drew on those funds during the pandemic, according to a survey conducted by YouGov for Forbes Advisor. Of those who used their emergency funds during the pandemic, 73.3% of those surveyed spent half or more of their savings.

The survey at the end of April 2021 asked nearly 3,700 adults about their emergency savings before and during the pandemic.

The survey illustrates the delicate house of cards on which many of us have built our financial lives. And with some pandemic assistance programs, like increased unemployment benefits and a nationwide moratorium on evictions, soon to expire, the rebuilding process can be long and difficult for some.

Old Emergency Fund tips don’t work for many Americans

Personal finance advice often marries having three to six months of expenses hidden in an emergency fund, never to be touched unless the worst case scenario occurs: job loss, illness, accident.

But just because this old maxim exists doesn’t make it easy to follow.

“You are saving for something that may or may not happen,” says Steve Pilloff, professor of finance in the School of Business at George Mason University. “And if [an emergency] happens, it’s a negative thing that you don’t actually want to happen.

With so many competing priorities for your money already – paying bills, saving for retirement, saving for school, or paying off loans – it can be difficult to set aside savings for unwanted strangers, says Lindsay Bryan-Podvin, one based in Michigan. financial therapist and author of “The Financial Anxiety Solution”.

It’s even harder if you only have $ 500 or $ 1,000 in the bank to start with, says Bryan-Podvin. Knowing that you should have 10 or 12 times the amount saved, earmarked for some unforeseen time in the future, “may seem too out of reach,” she says.

Before the pandemic, the most common amount Americans saved for emergencies was one to three months (31.6%) of spending, according to our survey. Twenty percent of respondents saved three to six months of spending.

Higher household incomes do not necessarily guarantee higher amounts saved for emergencies.

Thirty-five percent of people with household incomes of less than $ 40,000 a year said they saved one to three months of spending when the pandemic started. Thirty-seven percent of people with household incomes between $ 40,000 and $ 80,000 and 27% of those with more than $ 80,000 said the same thing.

Twenty-one percent of each income group said they started the pandemic with three to six months of spending.

This means that large amounts of people have finally been blinded by the long-term unemployment that the pandemic has imposed on many industries. Or they weren’t prepared for the loss of income they would suffer by leaving the workforce to care for family members.

The labor market collapsed so sharply that in the spring of 2020, only about half of Americans of working age had a job. This rate has yet to rebound to pre-pandemic levels.

People with higher household incomes were more likely to have a larger emergency fund with more than six months of expenses. Low-income respondents were more likely to have saved less than a month in emergency expenses. But beyond the outliers, most respondents fell into the same general distribution of savings: a majority had no more than six months of spending in reserve in the event of a financial emergency.

The pandemic has revealed how unprepared Americans must withstand financial hardship beyond short-term job loss. A overwhelming majority of households used the first stimulus check last spring to pay for rent, utilities, food or other essentials, according to a US Census Bureau survey.

Without three rounds of stimulus checks and welfare programs like increased unemployment and food stamps, many families would have had few options out of their way. And that help has still not been enough for some to close the financial gaps that have opened up during the pandemic. In May 2021, one in five tenants with children at home had yet to catch up on their rent payments, the Census Bureau found.

The pandemic has dealt a major blow to financial stability and savings

Americans don’t exactly have a glowing reputation for being able to plan for emergencies.

You’ve probably heard a version of the statistic that few Americans could cover a $ 400 emergency expense with cash.

But this investigation, the Federal Reserve Survey of Household Economics and Decision Making (SHED), does not measure how few people could cover an emergency with cash or its equivalent, such as savings or a credit card paid off immediately.

It measures how many people would choose to do this over other options like borrowing from a friend or paying credit card charges over time.

This hypothetical $ 400 gives us a rough estimate of how comfortable people are with their ability to have money when they need it.

By the end of 2020, 64% of American adults would cover an emergency expense in cash or its equivalent, according to SHED. This is a notable increase since 2013 – the end of the recovery from the Great Recession – when only half of adults would.

The comfort of Americans to cover an emergency expense has increased even in a period when nearly 25% of adults said they were worse off financially than the previous year, and more than a quarter of those surveyed said they had difficulty paying their bills.

But better covering emergency expenses doesn’t mean it’s easy to build that nest egg. And building or rebuilding a financial buffer will likely be more difficult in our post-pandemic economy, after more than a year of setbacks.

A Pew Research Center Report on finances a year after the start of the pandemic found that 31% of adults who were generally able to save money were saving less than usual during the pandemic.

Low-income working adults were more likely to say the pandemic would make it harder to meet their goals: 58% said it would be harder and 25% said it would be much harder.

“Before the pandemic, for many people [emergencies] could have been hypothetical, ”says Pilloff. “Now it has become a lot more tangible.”

As we emerge from the pandemic, many people want to be better prepared for the unknown. Forty-seven percent of people who had no emergency savings before the pandemic said they plan to build up their savings.

But even after the pandemic devastated the finances of so many Americans, there is still no clear consensus on how much we should have saved in an emergency.

About 21% of those surveyed in our survey said one to three months of spending is the most convenient, while about 30% said four to six months is the most convenient. Almost 14% said a year is the most practical amount.

The only point of agreement seems to be that something saved is better than nothing at all.

How to overcome the obstacles to building emergency economies

A few tips can help you focus on building your emergency savings, whether you’re starting from scratch or not.

Think about emergency scenarios

When trying to save money, it can be helpful to visualize what you are saving for; Naming a savings account “new car” or “summer vacation 2022” can motivate you to save.

But when you’re saving for unforeseen emergencies, it’s harder to actually think about what you’re saving for and how you’re going to do it.

Bryan-Podvin recommends taking into account any emergencies you might encounter and creating guidelines or rules for events that warrant tapping into your savings account. She says most people don’t think about how they’ll use their emergency savings until they’ve already started.

Focus on building a minimalist emergency budget

Bryan-Podvin also says to keep in mind that your emergency savings should factor in necessary living expenses, not how you normally spend. “In a real state of emergency, you automatically start cutting back on extra dinners and travel, and you’re limited to a survival budget. Don’t try to replace your income to begin with, ”she says.

Thinking about those potential scenarios that might require you to turn to your emergency funds can make the savings in that jar more tangible. Things like the size of your family, the stability of your career, or your lifestyle could influence the size of your emergency savings goal, rather than going by default to a certain number of months towards which ancient wisdom would tell you.

Beyond that, your savings plan largely depends on your financial stability and whether you are already saving.

If you don’t save for emergencies

Focus on developing a saving habit

When you start saving for emergencies, focus on creating a habit rather than how much you “should” be saving.

Building a habit can help jumpstart your savings spirit, no matter how much money you put aside. A study of users of the Acorns investment app found that people who choose to save a small amount each day saved more overall than people who saved a certain amount each week or month (say, $ 5 per day vs. $ 35 per week).

Start with your budget

“Set a real budget and make the savings part of the budget,” says Pilloff. “It might be small, but find a way, even if it’s just a few dollars, to develop this habit.”

By developing a saving habit now, it will be easier to increase your savings rate when your financial situation improves, he says.

Make the recording automatic

Your bank probably allows you to set up automatic transfers from check to savings. Once you’ve figured out your budget and what you can realistically save, set up transfers to make saving automatic and painless, even if it’s just a few dollars a week.

Globe Editorial: How Politics Worsens the Housing Crisis

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Credit rating agency Equifax Canada says total consumer debt rose 2.8% to $ 1.99 trillion in the second quarter despite the economic impact of COVID-19 amid a strong recovery in the consumer market. housing.

The Canadian Press

Two years ago, the federal and British Columbia governments formed an expert panel to examine the overheated housing market in British Columbia. The aim was to find ideas to improve housing supply and affordability.

One might assume that political leaders would be avid readers of a solution report for a bad housing market. And that would especially be the case, given the tornado that has ravaged homes across Canada over the past year, as a buying craze hit a supply shortage and pulled the Canadian Real Estate Association national average selling price 38 percent more.

Instead, the political reaction to the report – an immediate rejection of the most controversial recommendations – shows how difficult it is to tackle the housing crisis.

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the six-member group: a senior business economist; the general manager of a private real estate developer; the CEO of the British Columbia Non-Profit Housing Association; a leader of the technology industry; a credit union economist; and a former NDP finance minister from British Columbia, who served as its chair. It was not a radical group, and the six were unanimous in their recommendations.

Some ideas were simple. The panel said the myriad of rules that restrict new housing – “regulating how much housing is built, where it is built and how fast” – need to be reconsidered. He also wants levels of government to work together and urged to redouble efforts to build affordable housing.

Two proposals, however, were too many. The panel cited significant tax breaks for homeowners like British Columbia homeowner subsidy, a partial property tax refund worth about $ 850 million per year, or the non-taxation of capital gains on the sale of primary residences, worth more than $ 6 billion per year. nationwide year. The panel proposed a review of the capital gains rule, which a Royal Bank of Canada economist also suggested in late March – and called for the homeowner’s subsidy to be phased out, with the money invested. in social housing.

British Columbia Finance Minister Selina Robinson and Federal Finance Minister Chrystia Freeland rejected the panel speech tax breaks within hours of the report’s release last week. The panel had foreseen it. Of course, it is more and more difficult to rent in Canada. Yes, the hope of young people to own a home is fading day by day. But in a country where around two-thirds of households own their homes, elected officials look after these voters.

“Homeowners, who stand to benefit from both the rising value of homes and the tax benefits available to them, also have considerable political influence,” the panel wrote. “Politicians may be reluctant to take steps to dramatically increase housing supply and affordability or change tax policies that favor incumbent owners due to potential political backlash. This, in turn, exacerbates the housing shortage. “

The key here is not these big tax breaks. It is well known that such changes are a political virtual impossibility.

What is most important and disturbing is how this episode reveals the challenge of making a real difference in the future of housing in Canada.

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Political leaders talk about doing great things. British Columbia presented a 30 point plan three years ago. Ottawa’s national housing plan is supposed to build 16,000 new affordable units one year over a decade. Sounds good, but it’s well below a peak of about 25,000 per year that was built half a century ago.

Meanwhile, too many current owners do not want their neighborhood to change and city councils are too often beholden to their interests. And so, a chronic housing shortage – Scotiabank said in May Canada has the fewest homes, adjusted for population, of any Group of Seven country – just getting worse.

The panel clearly saw the political puzzle. One of the most interesting elements of the report was the call to reduce the negative influence of city councils on housing. The panel, examining British Columbia, said, “It is up to the provincial government, which is ultimately responsible for local governments, to implement many of our most powerful recommendations.”

Canada has a fundamental long-term challenge: the population is increasing; housing does not have. Our political systems prevent us from building more. These are fundamental problems to be solved. There are lots of good ideas, as the BC report clearly indicates. What is lacking is the political courage to implement them.

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The confirmed orange list countries and what it means for your vacation

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What does “amber” mean?

All travelers arriving in England, Scotland, Wales or Northern Ireland from amber countries are required to self-isolate at home for 10 days (potentially reduced with a “Free Test” paid on the fifth day for those returning to England) and to have PCR tests on (or before) the second day and eighth day of isolation, as well as a test before returning (they will need to provide proof of a negative result, which may be a printed document or an email or text displayed on your phone) and filling out a passenger locator form.

The government currently requires every test done in England, Scotland, Wales or Northern Ireland to be a PCR test, which can be costly. Prices are slowly falling and the government has launched an official comparison site.

The Foreign Ministry recently updated its guidelines for a number of countries. Travel insurance will be valid if you travel to a country for which the Ministry of Foreign Affairs does not advise against traveling.

When will these ratings be revised?

Lists must be reviewed every three weeks after the travel ban ends. The first review took place on June 3, with updates on announcements supposed to be made on June 24, July 15, and August 5.

Should I book a vacation to an “orange” destination?

It would not be wise to do so. The government has issued guidelines against travel to these destinations. During this time, you will be subject to a maximum of 10 days of self-isolation upon your return to the UK and additional PCR testing which you will need to pay for. If you are planning a trip to an Orange List destination, you should first consult the advice of the Ministry of Foreign Affairs.

If the Ministry of Foreign Affairs advises against traveling to this country, your travel insurance may not be valid. During this time, if the Department of Foreign Affairs does NOT advise against traveling within the country, a tour operator would not be required to reimburse your trip if you no longer wish to travel due to self-isolation or testing requirements. In this case, it might be better to postpone.

Which countries are amber?

These countries are among those classified amber (see the full list below):

Spain

Cases per 100,000 in the previous seven days: 50.24 (all figures and information are correct as of June 23)

Adult population having received a second dose of a Covid-19 vaccine: 35.89%

Spain started welcoming British holidaymakers again from May 24, with no need for a PCR test on arrival. Read the latest travel tips for Spain here.

Portugal

Cases per 100,000: 76.31

Population with second dose: 32.9%

Portugal has reopened its borders to British holidaymakers. With the exception of children under 12, all arrivals must have proof of a negative Covid-19 test. The test can be a nucleic acid amplification (ANA) test, performed within 72 hours of travel, or an antigen test, performed within 48 hours of travel. You must present your test result certificate before boarding a flight to Portugal. Read the latest travel tips for Portugal here.

Greece

Cases per 100,000: 26.36

Population with second dose: 34.41%

UK travelers must provide proof of a negative result from a PCR test taken within 72 hours of arriving in Greece or proof of two Covid-19 vaccinations taken at least 14 days before travel. Those who can provide proof of either will be exempt from the need to self-isolate. If you do not provide proof of either, your carrier will not allow you to travel and the Greek authorities will likely deny you permission to enter Greece. Visitors may also be required to take a Covid-19 rapid test on arrival, if they reach the country by plane. Travelers must also complete a passenger tracing form no later than 11:59 p.m. the day before arriving in Greece. The Foreign Ministry has updated its advice and no longer advises against traveling to certain Greek islands. Read the latest travel tips for Greece here.

France

Cases per 100,000: 23.81

Population with second dose: 30.53%

Fully vaccinated UK travelers can now travel to France without having to self-isolate or provide a “compelling reason” for their visit.

Those who have received the Pfizer, AstraZeneca or Moderna vaccines must wait two weeks between their last dose and their visit, while those with a single Johnson & Johnson dose must wait four weeks. They will also need to provide a negative PCR result or an antigen test result upon arrival.

Read the latest travel tips for France here.

Italy

Cases per 100,000: 12.01

Population with second dose: 30.68%

From June 21 to July 30, upon arrival in Italy, travelers who have been in the UK for the previous 14 days must self-isolate for 5 days, after which they must perform a rapid antigen swab test or molecular for Covid-19. and test negative for release. Children under the age of 6 do not need to be tested but must still isolate themselves. If you wish to fly, you must present the airline with a negative Covid-19 antigenic or molecular rapid swab test performed no more than 48 hours before travel.

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32.7% of LaRue County population vaccinated

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As the state continues to reopen after 18 months of pandemic mandates, questions about reopening businesses prompted the LaRue County Herald News to inquire about the latest visitation requirements at Signature HealthCARE Sunrise Manor in Hodgenville.

In a statement from Ann Bowdan Wilder, public relations and communications manager for Signature, she said: “With regard to matters relating to Sunrise Manor, due to the vulnerable nature of the nursing home population, combined with the risks inherent in living together in a healthcare facility, the Centers for Disease Control (CDC) and Centers for Medicare and Medicaid Services (CMS), along with other government agencies, have demanded aggressive efforts and guidance to fight exposure to COVID-19 to prevent the spread of COVID-19. Therefore, in accordance with these guidelines, visits always depend on several factors, including the structure of a facility and the needs of residents, including in residents’ rooms, visitation spaces and outdoors.

In LaRue County, only 4,631 of 14,156 county residents have chosen to be vaccinated. That’s a total percentage of 32.71. In surrounding Hardin County, the total vaccinated is 43.01% and stands at 46,488. Hart County’s percentage is lower than that of LaRue with 27.2% of the population vaccinated for COVID-19 and 5,067 having chosen the vaccine option.

“Given the continued risk of COVID-19 transmission, CMS continues to recommend that facilities, residents and families adhere to the basic principles of COVID-19 infection control, including maintaining physical distance and performing outside visits whenever possible. This continues to be the safest way to prevent the spread of COVID-19, especially if one party has not been fully vaccinated. Therefore, at this time, whether or not a visitor has been vaccinated, all visitors are required to wear a mask inside our facility for indoor visits until further notice. Unfortunately, we cannot easily verify the immunization status of visitors, as we can with our own residents and staff who have received the vaccine, and we want to ensure the safety of our residents and staff, ”said Wilder .

“With this understanding, Sunrise Manor requires that visitors wear masks throughout their visit, regardless of their immunization status. Currently, appointments must be made at least 24 hours prior to a visit, at specific appointment times, and our residents can have an appointment, with a maximum of 2 visitors, per day. Tours last 20 minutes and visitation areas are cleaned after each visit according to CDC guidelines. All visitors must be at least 18 years old and are kindly requested to arrive 15 minutes in advance to complete the selection process. If families and friends wish to make an appointment, the available times can be scheduled at https://shcatsunrisemanor.com/.

Finally, it is important to clarify, as our facilities continue to follow guidelines for limited visits, Signature HealthCare has the right / choice to decide what is best for our residents and staff and visiting guidelines may vary depending on the location. depending on various circumstances, ”according to Wilder.

As of Monday, 2,145,763 Kentuckians, or 48 percent of the state’s population, had been vaccinated.

A total of 4 active cases have been reported by the Lincoln Trail District Health Department as of Monday, June 21. The total number of cases to date is 1,343 for LaRue, with 26 deaths linked to the virus.

The report shows Hardin County with 39 active cases, with 9,709 total cases of which 167 have died from COVID-19. LaRue County’s total case count remains the lowest in the Lincoln Trail 6-county district, with Nelson County second in number of cases with 4,961.

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Annual data estimates lead to gaps with census

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Commuters on a subway in Beijing during the morning rush hour on November 24, 2020. [Photo/IC]

After the release of data from the Seventh National and Provincial Census, some people might have been surprised to find that many indices, including total population, population growth, age and sex structures, and the distribution of the population among between urban and rural areas and between ethnic groups, are not consistent, or even show relatively large differences, with the annual demographic data published previously.

For example, the population of 0-14 years old in the seventh national census is 253 million, or 14 million more than the 239 million new births of the previous 15 years, between 2006 and 2020. Logically, the population of 0-14 years should have been much less than 239 million considering the premature deaths of children in this age group. It may also be surprising to see the population of 15-59 year olds in 2020 “suddenly” drop by 20 million compared to 2019.

But it is normal that the census data and the annual demographic data previously published are different. Annual demographic data published between two censuses, such as birth rate, death rate, population growth rate, total population, and age and ethnic structures, are all based on a comprehensive and scientific analysis, the calculation and estimation of vital statistics, migration registration data and sample survey data.

This is also how demographic data are primarily produced in non-census years in most other countries. Strictly speaking, demographic data published in years without a census, such as total population, population structure and growth rate, ethnic structure, are not data from a direct census, but demographic data. estimated.

In the United States, the birth rate, population growth rate and total population released each year are also estimates based on a comprehensive analysis of births and deaths from Vital Statistics System, data registration of international migration and data on the age of the population of the previous year. census.

In China, annual demographic data for non-census years is often based on sample surveys, which conduct a population survey on a 1: 1,000 basis, calculate various population indicators based on the samples, and use these statistical indicators to calculate the general population. and estimate aggregate population indicators, such as growth rate, age structure and ethnic structure.

Since this is a sample survey, which will inevitably involve sampling errors, these estimates will be close to the census data, but not in perfect agreement with them. For some indicators that require a large sample to be calculated more accurately, such as birth rate, composition of ethnic minorities, and population indicators, the differences could be larger.

For example, according to the Seventh National Census, the population of Guangdong Province is 126.01 million, 12.55 million more than the 113.46 million reported in 2018, and northeast China has a population of 98.51 million, 9.85 million less than 108.36 million announced in 2018.

It is normal that the population counts for Guangdong, northeast China, and the Xinjiang Uyghur Autonomous Region in this census do not match the previously announced annual demographics, as estimates based on sample surveys, which are generally close but not necessarily as accurate as authentic census data, may be greater or less than actual census data.

So what if the census data and the annual demographic data announced for non-census years do not match, and which should be considered accurate? Since annual data for non-census years are estimates and census data are the direct results of the survey and the universal survey, the latter are generally used by the international community as a standard, and “technology estimate of the intercensal population ”is used. verify and revise the main indicators of the annual demographic data between the two censuses, so as to make the specific data for each year consistent with the real evolution of the population.

For example, in Canada, the revision of previous data begins shortly after an agricultural census is taken. After the 2010 census, the United States also revised its demographics from 2000 to 2010 to more accurately reflect population growth and development. After the Sixth Population Census, China also used “intercensal population estimation technology” to revise the annual birth rate and population growth rate from 2000 to 2010, and released the revised results. And in statistical yearbooks published later, the revised data was used for population indices from 2000 to 2010.

The missing reporting rate from the Seventh National Census is only 0.05%, lower than in 1982 and a record for the missing reporting rate from previous censuses, making it the most accurate census since the founding of the People’s Republic of China. This was made possible due to the high quality of the census survey which revealed inconsistencies between census data and some annual data from non-census years, some discrepancies being relatively large.

After the census, the National Bureau of Statistics, on the basis of the more accurate and authoritative census data, verified and revised the data on birth rates and growth rates at the national level, giving a truer picture and more details of the growth and development of the Chinese population. .

The author is director of the Center for Population Development Studies at Renmin University of China.

Opinions do not necessarily reflect those of China Daily.

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Changes mean less funding for Northeastern schools

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SCHOOLS in the North East are missing millions of pounds in funding due to changes in the way government money is allocated, new figures suggest.

The calculation of the school bonus has been changed so that it will now be based on the number of students in each school eligible for free school meals (FSM) in October, rather than January, as was the case before.

New figures published by the Ministry of Education confirm that there has been an increase of 5,700 students receiving the WSF in the North-East between the school census of October 2020 and that of January 2021.

This means schools in the area are facing a loss of up to £ 7.66million in bonus funding for pupils as a result of the change in government.

North East Commission on Child Poverty Director Amanda Bailey said: “Schools in our region have entered this pandemic already facing some of the highest disadvantage rates in the country and new numbers of Free school meals confirm how existing levels of hardship in the North East have been exacerbated by the Covid-19.

“If the government is serious about leveling areas like our region, it needs to place investment in children and young people at the heart of its stimulus packages – but it is now clear that the decision to change the way in which premiums are funded to students is allocated totally undermines this. commitment.”

The Northeastern Child Poverty Commission, Northeastern Schools and Northeastern Children jointly wrote to the Secretary of State for Education in March to highlight the potential impact of a change ” administrative ”on how the funding for student bonuses is allocated. would have for Northeastern schools.

They wrote to Gavin Williamson again and urged him to reconsider his decision.

Luke Bramhall, Children North-East, said: “The Pupil Bonus is used by schools to provide additional teaching staff, breakfast clubs, additional resources like laptops and tailor-made support for children. their most disadvantaged students.

“During the pandemic, it was used by schools in the North East to provide direct support to families in difficulty.

‘It is difficult to understand how the removal of almost £ 8million from this funding for schools in our region, which has seen some of the worst learning losses in the wake of Covid-19, matches the commitment of better rebuild after the pandemic. ”

The new data also highlights the significant economic impact of Covid-19 on families in the northeast, with nearly 16,000 more students in the region becoming eligible for the WSF between January 2020 and January 2021.

This means that nearly 109,000 children and youth in the North East are now eligible to receive this support, 27.5% of all students, up from 23.5% before the pandemic, the highest rate in the country, and the highest joint increase of anywhere in England.

North East Schools Director Chris Zarraga said: “The North East is seeing a significant increase in Covid-related poverty, including in schools not located in areas of high deprivation, underscored by the increase the number of students eligible for the school bonus.

“School budgets are already suffering due to the continued outbound costs of Covid security measures, and the decision to use October 2020 census data will have a serious negative impact on our students who have already experienced significant disruption during the course. of the last year.

“Any short-term savings from the October census will be more than offset by the longer-term economic losses to the region from not properly helping our students ‘recover’. ”

A spokesperson for the Department of Education said bonus funding for pupils is expected to increase to more than £ 2.5 billion this year and the per pupil rates remain unchanged.

The spokesperson said: “A typical school will see an increase in its student bonus allocations this year compared to last year. Any student who becomes eligible after the October census will receive funding the following year.

“We are delivering a £ 14bn increase in school funding over three years, the biggest increase in a decade, and school leaders can target our ambitious stimulus funding, totaling £ 3bn. pounds sterling, to further support disadvantaged students in their success. ”

Bronx murder rate highest in city, NYPD data shows

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The Bronx has New York City’s highest homicide rate in 2021, with nearly the highest number of shootings of any borough, at a time when authorities struggle to cope with an alarming spike in violence, according to NYPD data analyzed by Newsday.

Although 2021 isn’t even half over, the Bronx, with a population of around 1.41 million, has a murder rate of 4.31 per 100,000, compared to a rate of 2.44 in city-wide, based on 2019 Census Bureau population estimates.

The lowest rate is found in Staten Island, where six homicides translate to a rate of 1.26 for its population of 476,000.

Meanwhile, through June 20, shootings in the Bronx totaled 222 or nearly 90 percent more than in 2020. Only Brooklyn, with an estimated population of 2.56 million, has more with it. 232 shootings, an increase of just over 32.5% from 2020, according to police data. .

“The violence of the crews is the source of the shooting in the city in terms of mobile,” Chief Michael LiPetri, head of NYPD crime control strategies, told Newsday on Tuesday. “You go to the Bronx, it’s even more concentrated than in other parts of the city.”

“We just saw some very stubborn areas in and around the southern Bronx that really got in because of crew violence,” LiPetri said. “Six of the best [10] City-wide shooting controls are in the Bronx. “

“One of the most alarming statistics that has happened in the Bronx this year: 82% of your murder victims were shot this year, 82%,” LiPetri pointed out. “Last year it was 44%. The city average is generally around 55%. Guns are so prevalent in the city right now, but especially in the Bronx, it’s so alarming. . ”

This sense of alarm was underscored last week with a frightening video posted by cops that showed a cheeky assailant shooting a man on a sidewalk on Sheridan Avenue as two children, aged 10 and five, rushed off and curled up. The children are unharmed but traumatized, police said. The shooting victim has been hospitalized and the cops are looking for someone of interest.

In the Bronx, defendants arrested with guns are not being held in jail, LiPetri said. He said the Bronx was well below the city average for bail bonds for firearm arrests, adding that the borough was also above the city average for gun suspects. to fire released on their own commitment.

“So there is no liability,” LiPetri said for carrying guns in the Bronx. Gang members see it and are emboldened, he added.

Patrice O’Shaughnessy, spokesperson for Bronx District Attorney Darcel Clark, said the office is seeking bail in almost all gun cases. But often the defendants post the amount set by the court and a number are released without bail, she said.

NYPD tactics in dealing with shootings in the city include putting police on patrol as well as moving other officers from administrative offices and other constituencies to troubled areas. The strategy appears to reduce shootings in parts of Brooklyn like East New York, but not in the Bronx, where LiPetri said a backlog of gun cases opened in court was “of great concern.”