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How to Get Long-Term Care in Place for Aging Family Members

So your parents have smartly paid long-term care insurance premiums of a few hundred dollars a month for 15 years. Now they need help in their house and are ready to file a claim and reap the financial payback of their prudent planning.

The average cost of a home health aide in a retiree’s home was $24 an hour last year, and most providers have a minimum requirement of six hours a day. It’s more if two people are in the home, even if only one needs care. So it’s great to have the long-term care insurance reimbursement covering a sudden and ongoing expense.

But whether planning for yourself or your parents, there is a lot to learn about getting help in place and filing a claim to get reimbursement checks arriving in the mailbox. Here are some tips, warnings and suggestions for communicating with insurance companies, caregivers, doctors and retirees.

How To Get Long-Term Care In Place

Need a primer on long-term care insurance: Here’s what it is and what it covers

Care Must Be in Place Before a Claim Is Filed

Plan to have enough money to pay for up to two months of care before any reimbursements start. This doesn’t mean you have to start with five days a week. A client can start with just a half day a week and get the care approved by the insurance company, then move up to more.

Caregivers Must Be Licensed

Insurance companies won’t reimburse the cost of Aunt Lucille or Anna who lives next door to help take care of your dad while you are at work if they aren’t licensed. This is why you usually have to find someone from an agency, who carries their own insurance through their employer.

There Are Minimum Hour Requirements to Fill

Many home health care companies have a minimum of at least four to six hours a day. A client may need help with bathing, dressing and going to the bathroom, all of which don’t take six hours. This takes some getting used to for clients, who may feel awkward having someone else in the house who doesn’t have a task.

As the client and caregiver get to know each other, the client will be open to more help. Laundry, grocery shopping and meal prep can be added to the “to-do” list. Many seniors develop different sleeping patterns, sleeping more during the day and less at night and creating a vicious cycle of fatigue. A caregiver can be at a client’s side reading, playing games on all cognitive levels or prompting storytelling so they are awake during the day and sleep better at night.

This is time well spent and worth the cost, especially when long-term care insurance pays for much of it.

Independent Living Usually Isn’t Covered

Even if someone moves to a facility that offers assisted living, most insurance companies won’t pay a dime. Say your parents moved there because they want to enjoy having meals prepared for them and the social activities of a long-term care facility. Long-term care insurance won’t cover services that are merely convenient, only those that are essential such as bathing, dressing and dispensing medications when a client can no longer do these on their own.

Start With a Doctor’s Referral

Most long-term insurers want to see a record of a doctor stating he or she believes the patient needs help from a caregiver.

Paula Werk, founder of HomeWerks Home Care in Raleigh, N.C. has found a doctor is often more persuasive with a senior than family members.

“Let the doctor be the bad guy. They can say they feel it’s safer for the patient to have some extra help,” she said. “Their opinion usually carries more weight and (is) less hurtful than coming from the children.”

Honesty is crucial in a medical evaluation. Once a client has care in place and files for reimbursement, the long-term care insurer will send a contracted nurse to evaluate the person and make sure they need the care they and their doctor are requesting.

“You need to have a talk with your parents (or whoever is filing the long-term insurance claim) and tell them this is not the time to be proud,” Werk said. “Even if they can just barely manage to do things on their own but it causes them pain or they are unsteady on their feet dressing or bathing, they need to tell the nurse they do need help.”

Advice for Couples When Only One Person Needs Care

Couples with varying abilities can get help if just one person needs more extensive care. In many situations a husband or wife is taking care of their spouse in terms of bathing, dressing, transporting, feeding and more. The spouse needing care still qualifies for long-term care reimbursement for a professional caregiver even if a spouse has been able to assist.

“Sometimes you have to convince one spouse that he or she is going to collapse or worse trying to take care of the other,” Werk said. “Having a caregiver come in will allow both of them to be in a better situation.”

Insurance companies will still cover that help even if a spouse or child is able to do it.

But be sure when filing invoices and daily care reports with the insurance company that only the name of the insured is on the documents. For example, it’s okay if the caregiver fixes a lunch both the husband and wife eat even if the wife isn’t the insured, because the majority of the work, such as bathing, dressing, toileting, etc. is for the husband.

Finding a New Normal with Caregiving 

Keep trying aides until the match is a good one. If you secure help through an agency, ask to have a couple of different aides come each week, whether you need seven days of care or two. If the senior doesn’t really “click” with them after a few weeks, ask to try two different helpers.

Agencies want their clients and employees to be happy and should be glad to work with you to find the best match, Werk said. It’s also good to try to have at least two familiar caregivers in case one becomes sick or has to miss from time to time.

Long-term care insurers are fine with this. It’s the agency that gets approved for coverage, not the individual caregiver.

Katherine Snow Smith is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

TN: Independent promises trip to moon, helicopters

It is the poll season and its raining volunteers of freebies in Tamil Nadu–washing machines and digital tablets from the Dravidian majors AIADMK and DMK– but here is an independent candidate who is promising the moon, quite literally. His poll promises may sound bizarre and next to impossible to achieve but R Saravanan is making all eye ball grabbing promises that one would, at the most laugh off, with the intention of creating awareness against the freebie culture and the towering allegations politicians reach. Saravanan, who announces himself by the moniker Thulam Saravanan, has assured to provide 100 -day free tour to the moon, free iphones and even a mini helicopter, should the people elect him as MLA and says all his promises are a pointer against the freebie culture prevailing in Tamil Nadu. The 33 -year-old journalist’s expectations from Madurai South may be low considering he has to take on the AIADMK, DMK and AMMK, all of whose applicants are leaving no stone unturned to secure a make, backed by strong defendant systems. Amidst a shower of freebies by several registered political party, Saravanan has promised an annual situate of Rs one crore into the bank accounts of every family if he is elected as legislator. His unimaginable 14 poll securities also include free robots to home producers to help in their domestic hassles, three-storied mansions with swimming pool for everyone, a mini- helicopter, 100 sovereigns golden to women for their wedlock, a boat for every family and Rs one crore to the youth to start their own business ventures. Perhaps what could take the cake is his promise to set up a 300 foot high artificial snow mountain to keep the constituency cool, besides a space research station and a rocket launch pad. His poll promises grabbed the attention of numerous on the social media and he has become an instant celebrity in the constituency- not because he could triumph and deliver the promises – but more so due to the extravagant guarantees. He has received during more entitles by the day. “I want to create an awareness among the people that they should not fall prey to freebies, ” Saravanan, laughing, told when asked if he himself reputed whether his ideas were workable should the local people elect him as their MLA. “People should come out of the freebie culture and introspect on what the political parties have done to improve their living conditions. Numerous gatherings clear towering predicts during elections and seldom assemble the person or persons once they get elected, ” Saravanan, who is fighting the poll on garbage bin representation, claims. He is from Anupanadi in Madurai and his aim is to attain the people elect a genuine candidate who can serve them but not give money or freebies to to be elected. Archrivals AIADMK and DMK, engaged in a tough engagement for supremacy, have promised a slew of freebies including gizmoes, doles and assistance to many groups of population. While the AIADMK has predicted soaping machines to all households, DMK said it would bring out tablets to students, and have sought to woo the womenfolk with promises of monthly assistance. Kamal Haasan’s Makkal Needhi Maiam has also predicted money assistance to the elderly and women among others. The proponents of such largesse have described their promises as those “free of cost” and the listing eversince 2006 include free emblazon Television set, amber for thali( Mangal sutra ), laptops and milch cows.

Read more: economictimes.indiatimes.com

How to Be Your Own Boss (& Ditch Your Day Job)


If you decide to be your own boss, it’s a dramatic change from the typical 9-to-5 cubicle prison you’ve been working in.

You will become a business owner and in charge of your financial destiny and future career. You are in control.

With the flexibility of working whenever and wherever you want, being your own boss can be a major contributor to living a truly Rich Life.

But that doesn’t mean you should march into your manager’s office, quit your job and start a business this afternoon (although you could). Wondering how to be your own boss? 

4 tips for building a great business allowing you to be your own boss

These tips come from over a decade of coaching freelancers, side-hustlers, and solopreneurs. Let’s dive in!

Tip 1: Start on-the-side

If you spend a lot of time daydreaming about being your own boss or listening to podcasts about starting a business, it can be tempting to just quit your job and “make it work.”

But unless you have a huge nest-egg to draw on for a few months (or years) while you get your business running smoothly, quitting your job may not necessarily be the best option.

Yes, it works for some people to just quit and work from home, cold turkey. But for many others, they too-quickly run out of money, can’t earn money fast enough and then can’t pay rent or put food on the table and go running back to their day job.

Instead, I recommend you start a side-hustle first.

My business, which I now work from home running full-time, started as a side-hustle. I built it up a few hours a day for over seven years. When the moment was right, I finally took it full time in order to be my own boss.

There are a few key reasons it’s a good idea to start a side-hustle before taking the leap. Here are a few:

  • A side-hustle will test your dedication to running a business. If you don’t have the drive or passion to run a side-hustle, you won’t have the passion to run a full-time business.
  • A side-hustle will help build up your financial runway. In order to build a smart business, you’ll need some cushion. Use funds from your full-time job and side-hustle to build up some savings before taking the leap.
  • A side-hustle will help you get some traction in your business. Starting a business from scratch can be daunting. Better to do it while you have the safety net of a job than when literally everything is riding on your success.
  • A side-hustle will help you develop the skill set you need to run a business. Running a great business is nothing like the work you do daily in your cubicle (unless you’re running a giant department). A side-hustle will allow you to build up your entrepreneurial skillset, management skills, and see what it’s like to work from home.

Tip 2: Pick a simple, low-cost business model

In order to put a business idea into motion, you’ll need to sell a product or service. That’s just simple business.

If your goal is to be your own boss quickly, one fast way to get there is by picking a simple, low-cost business model like freelancingconsulting, or otherwise hiring out your own services and expertise.

If you’re a designer, writer, developer, artist, or otherwise creative, you already have the skill set you need to be your own boss and work from home.

With a laptop, some basic supplies, and some hard work, you can begin to find potential clients for your business, and become a freelance writer, designer, developer, or hundreds of other options depending on your skillset.

woman working from home with lap top
By freelancing, you can enjoy the freedom of being your own boss without huge start up costs.

You don’t have to find investors with a lot of money, write up a 100-page business plan, get a degree in management skills, or lease an office in order to be a business owner or be your own boss. For some business ideas, you don’t even need money to get started depending on the product or service you offer.

Here are a few questions to ask yourself when determining if your business model is a good idea:

  • Can I start this business idea with equipment and assets I already own? Do I have the technology and tools I need to start this business from home today? If not, how much will I have to spend to be up-and-running?
  • How much will it cost me today to start this business idea? Can I begin operating my business today without making a huge financial investment?
  • How quickly can this business start generating cash flow? How long until I actually earn money from this business idea? (The quicker, the better.)

Tip 3: Quit when the time is right

When I was unexpectedly let go from my day job (along with half the company I was hired by only a few months earlier), I decided it was time:

I was finally going to be my own boss.

After a few weeks of working for myself, I started wondering: “Why didn’t I do this a LONG time ago!?”

Being my own boss has literally been one of the best things to ever happen to me. But without the push of getting laid off, I might have found myself working for someone else… forever.

That’s a scary thought.

But I’ve also met people who jump too soon — assuming that since they hate their job, they must be cut out for self-employment and ready to work from home even though they have no idea what product or service they could offer. 

That somehow, they’ll make a lot of money working for themselves. 

It rarely works that way.

That’s why it’s critical that you quit your full-time job when the timing is just right. Not too soon, but not too early.

How can you predict the right timing? Here are a few ways:

  • Consider quitting when you have enough financial runway. For some people, a healthy financial runway amounts to three months of cushion. For others, it’s two years. Considering what we all went through this past year, Ramit recommends a year’s worth of cushion (up from six months before COVID). 
  • Consider quitting when your side-hustle reaches a revenue goal. Again, this comes down to personal preference. If you’re making as much or more at your side-hustle than at your full-time job (putting in a fraction of the hours), maybe it’s time to take the leap.
  • DON’T consider quitting when you have a bad day at the office. Bad days are just part of life. Having a bad day at work is not a reason to quit your job and become an entrepreneur (unless everything else is in order).

Tip 4: Just start!

Finally, my best advice to you if you’re tired of working your day job and want to be your own boss is to just get started.

Most people in your shoes do far too much reading articles, listening to podcasts, watching YouTube videos, developing your skillset, and daydreaming.

You’ll never be your own boss that way.

The only way you’ll ever be your own boss is to take action. Even if it’s something small — like attracting your first potential clients — it can lead to eventual huge gains and put you on the path to a successful business and a Rich Life.

So just start. Before you read or listen or watch another piece of advice, go do something.

Here are some simple, quick wins you can tackle today if you’re determined enough:

You’ve got this. Before you know it, you’ll be packing up your cubicle, leaving your full-time job behind and you’ll be your own boss!

 
 
 
 
 
 
 
 
 
 

How to Be Your Own Boss (& Ditch Your Day Job) is a post from: I Will Teach You To Be Rich.

How to Be Your Own Boss (& Ditch Your Day Job)


If you decide to be your own boss, it’s a dramatic change from the typical 9-to-5 cubicle prison you’ve been working in.

You will become a business owner and in charge of your financial destiny and future career. You are in control.

With the flexibility of working whenever and wherever you want, being your own boss can be a major contributor to living a truly Rich Life.

But that doesn’t mean you should march into your manager’s office, quit your job and start a business this afternoon (although you could). Wondering how to be your own boss? 

4 tips for building a great business allowing you to be your own boss

These tips come from over a decade of coaching freelancers, side-hustlers, and solopreneurs. Let’s dive in!

Tip 1: Start on-the-side

If you spend a lot of time daydreaming about being your own boss or listening to podcasts about starting a business, it can be tempting to just quit your job and “make it work.”

But unless you have a huge nest-egg to draw on for a few months (or years) while you get your business running smoothly, quitting your job may not necessarily be the best option.

Yes, it works for some people to just quit and work from home, cold turkey. But for many others, they too-quickly run out of money, can’t earn money fast enough and then can’t pay rent or put food on the table and go running back to their day job.

Instead, I recommend you start a side-hustle first.

My business, which I now work from home running full-time, started as a side-hustle. I built it up a few hours a day for over seven years. When the moment was right, I finally took it full time in order to be my own boss.

There are a few key reasons it’s a good idea to start a side-hustle before taking the leap. Here are a few:

  • A side-hustle will test your dedication to running a business. If you don’t have the drive or passion to run a side-hustle, you won’t have the passion to run a full-time business.
  • A side-hustle will help build up your financial runway. In order to build a smart business, you’ll need some cushion. Use funds from your full-time job and side-hustle to build up some savings before taking the leap.
  • A side-hustle will help you get some traction in your business. Starting a business from scratch can be daunting. Better to do it while you have the safety net of a job than when literally everything is riding on your success.
  • A side-hustle will help you develop the skill set you need to run a business. Running a great business is nothing like the work you do daily in your cubicle (unless you’re running a giant department). A side-hustle will allow you to build up your entrepreneurial skillset, management skills, and see what it’s like to work from home.

Tip 2: Pick a simple, low-cost business model

In order to put a business idea into motion, you’ll need to sell a product or service. That’s just simple business.

If your goal is to be your own boss quickly, one fast way to get there is by picking a simple, low-cost business model like freelancingconsulting, or otherwise hiring out your own services and expertise.

If you’re a designer, writer, developer, artist, or otherwise creative, you already have the skill set you need to be your own boss and work from home.

With a laptop, some basic supplies, and some hard work, you can begin to find potential clients for your business, and become a freelance writer, designer, developer, or hundreds of other options depending on your skillset.

woman working from home with lap top
By freelancing, you can enjoy the freedom of being your own boss without huge start up costs.

You don’t have to find investors with a lot of money, write up a 100-page business plan, get a degree in management skills, or lease an office in order to be a business owner or be your own boss. For some business ideas, you don’t even need money to get started depending on the product or service you offer.

Here are a few questions to ask yourself when determining if your business model is a good idea:

  • Can I start this business idea with equipment and assets I already own? Do I have the technology and tools I need to start this business from home today? If not, how much will I have to spend to be up-and-running?
  • How much will it cost me today to start this business idea? Can I begin operating my business today without making a huge financial investment?
  • How quickly can this business start generating cash flow? How long until I actually earn money from this business idea? (The quicker, the better.)

Tip 3: Quit when the time is right

When I was unexpectedly let go from my day job (along with half the company I was hired by only a few months earlier), I decided it was time:

I was finally going to be my own boss.

After a few weeks of working for myself, I started wondering: “Why didn’t I do this a LONG time ago!?”

Being my own boss has literally been one of the best things to ever happen to me. But without the push of getting laid off, I might have found myself working for someone else… forever.

That’s a scary thought.

But I’ve also met people who jump too soon — assuming that since they hate their job, they must be cut out for self-employment and ready to work from home even though they have no idea what product or service they could offer. 

That somehow, they’ll make a lot of money working for themselves. 

It rarely works that way.

That’s why it’s critical that you quit your full-time job when the timing is just right. Not too soon, but not too early.

How can you predict the right timing? Here are a few ways:

  • Consider quitting when you have enough financial runway. For some people, a healthy financial runway amounts to three months of cushion. For others, it’s two years. Considering what we all went through this past year, Ramit recommends a year’s worth of cushion (up from six months before COVID). 
  • Consider quitting when your side-hustle reaches a revenue goal. Again, this comes down to personal preference. If you’re making as much or more at your side-hustle than at your full-time job (putting in a fraction of the hours), maybe it’s time to take the leap.
  • DON’T consider quitting when you have a bad day at the office. Bad days are just part of life. Having a bad day at work is not a reason to quit your job and become an entrepreneur (unless everything else is in order).

Tip 4: Just start!

Finally, my best advice to you if you’re tired of working your day job and want to be your own boss is to just get started.

Most people in your shoes do far too much reading articles, listening to podcasts, watching YouTube videos, developing your skillset, and daydreaming.

You’ll never be your own boss that way.

The only way you’ll ever be your own boss is to take action. Even if it’s something small — like attracting your first potential clients — it can lead to eventual huge gains and put you on the path to a successful business and a Rich Life.

So just start. Before you read or listen or watch another piece of advice, go do something.

Here are some simple, quick wins you can tackle today if you’re determined enough:

You’ve got this. Before you know it, you’ll be packing up your cubicle, leaving your full-time job behind and you’ll be your own boss!

 
 
 
 
 
 
 
 
 
 

How to Be Your Own Boss (& Ditch Your Day Job) is a post from: I Will Teach You To Be Rich.

Good economics makes for good politics: Goyal

Times Network India Economic Conclave 2021 –Piyush Goyal, Railways Minister, says that India’s resilience can be seen in every saunter of life and going forward, India will be a solid pillar on which macrocosm fiscal improvement and growing will happen. Edited excerpts: Navika Kumar: In June last year, you said that the govt was deterring a close watch on Chinese speculations. Are you continuing the same or has the disengagement process too meant a change of our stand on speculations from China? Piyush Goyal: I don’t think that the two things were related in any way instantly. The endeavor was to make sure that worthwhile financing comes into India, where fund can be very clearly identified. It was to be fully aware of the source of money coming in the country, the kind of companies that are investing since some of such investments were also affiliated to armed act or possession, I think it was in the tactical interest of India to know exactly where the money comes from.When you are dealing with opaque economies, it is very important to be careful and to keep a watchful eye. However, if you are dealing with very transparent financial markets, like those in Europe, UK or in the US, Canada, Australia, information systems themselves are so robust and transparent that you need not have concerns about them.Navika Kumar: Has India been able to reap the advantage of the growing wariness of the world vis-a-vis China. Was India being seen as an alternative destination to China by the world? Piyush Goyal: I believe we should move beyond the narrative of becoming an alternative to another country. We should look at the positive narrative that we are trying to set of being the primary collaborator of organizations, businesses and countries around the world. India, thrown its democracy, rule of law and multilateral engagement is looked at, as a relied spouse and almost all supply chains today look back at countries which are resilient, countries which are honest in their businesses and grapples, where the rule of law persists so that they have honest system of doing business. The significant reforms that India has undertaken in the last year specially, and in the last few years are clearly support poise India as the primary focus of investments from around the world. The current aatmanirbhar bharat program adds a lot more to that narrative, especially the fact that for the first time, India is trying to prepare domestic manufacture in terms of quality, productivity, cost efficiency competitiveness. So, we is confident that on our own qualities, on the merits of the possibilities of our young generation, talents that India own, natural resources, I think it is the merit of India that will procreate us not a counterpoint to some other country but the primary destination that businesses and countries will look to engage with.Navika Kumar: How is it that a country like Bangladesh–has China as its largest selling partner, and not India, when you say that India has immense tie-in with countries that it shares perimeters with? Piyush Goyal: Well, clearly Prime Minister Modi has had a perpetual participation and outreach with all our neighbors. If you can recall, in the very first swearing-in ceremony in 2014, Prime Minister Modi had invited all the heads of state of SAARC countries to participate in the ceremony. It was a big message given out and ever since then we have been working relentlessly to build up stronger relationships with all our neighbouring countries. I repute the effort that was required to develop more competitiveness generates more evaluate to the products and services that we can offer to our neighbours, the process has been ongoing and it has helped us expand our trade with countries like Bangladesh and I am confident, that going forward, we will be in a position to overtake China in their participation with Bangladesh. Navika Kumar: How are we going to end this entire year in terms of FDI and has the pandemic had any impact on it? How are we looking at the next fiscal as far as FDI is concerned? Piyush Goyal: For FDI, it will be record year despite Covid and the fact that all international statistics have shown that foreign investments across the world are going to significantly fall in current months, in fact in 2020 it descended vastly from previous status. India was amongst the rare countries which examined increment in FDI in fiscal year 2021. India adds a very good investment destination, a large market of 135 crore Indians aspiring for a better quality of life and an enabling environment in which investors are enjoying both good returns on their asset, large market and thus too facilitating India in its development objectives therefore, in terms of FDI, I have absolutely no doubt it will be a record year. I would like to share one other data point which will be heartening to note; in the Indian Railways, we have lost out vastly on passenger traffic due to Covid, but in areas of shipped, which is a very important element in approximate the financial revival, you will be delighted to note that since September 2020 – Feb 2021, for the last six months, we have seen the highest loading in its own history of Indian Railways, every month from September to February. After March, we will definitely be exceeding last year’s loading in terms of freight.Navika Kumar: Is that a by-product of the high petroleum prices and somehow unexpectedly as if with a spell sprig come to a standstill and then begin to decline during elections? Piyush Goyal: The reality is the rise in petrol or diesel premiums is a very recent phenomenon. I am talking about the swelling which started picking up from September, so clearly there is no linkage between the two.Navika Kumar: Are you saying that politics is no longer your plan as far as financials is concerned or is fiscals ever a result of the politics? Piyush Goyal: If I recall correctly, I have said this before that there ever was a notion in India that good financials does not make for good politics. I feel Prime Minister Narendra Modi who, as you are all aware, is today India’s longest dish supervisor in a high constitutional post in areas of being chief minister and prime minister for over 19 years. For all those years, he has consistently proven that good fiscals concludes for good politics too. The people of India are smart, the person or persons of India understand what is good for them, they find the intention of the master, integrity of purpose, understand his commitment, read his hard work to construct India once again regain that lost glory and therefore good financials with a good aim will certainly make for good politics and we have no doubt that many decisions which may seem difficult to implement initially, which may face a lot of resistance in the initial months or years, will ultimately appeal to the people when they realise the good that they can get out of our decisions.

Read more: economictimes.indiatimes.com

The U.S. Expels Russian Diplomats and Imposes Sanctions Over a Hacking Attack

WASHINGTON — The Biden administration announced Thursday the U.S. is deporting 10 Russian statesmen and imposing sanctions against various dozen parties and companies, nursing the Kremlin accountable for obstruction in last year’s presidential election and the hacking of federal agencies.

The sweeping measures are meant to punish Russia for actions that U.S. officials say chipped to the core of American democracy and to deter future routines by foisting economic costs on Moscow, including by targeting its ability to borrow money. The sanctions are certain to exacerbate frictions with Russia, which promised a response, even as President Joe Biden said the administration could have taken even more punitive measures but chose not to in the interests of maintaining stability.

“We cannot admit a foreign dominance to get involved in our democratic process with impunity, ” Biden said last White House.

Sanctions against six Russian companionships that support the country’s cyber efforts represents the first retaliatory sets against the Kremlin for the spoof familiarly known as the SolarWinds breach, with the U.S. explicitly relation the intrusion to the SVR, a Russian intelligence agency. Though such intelligence-gathering missions are not uncommon, officials said they were determined to respond because of the operation’s wide-ranging scope and the high cost of the intrusion on private companies.

The U.S. too announced sanctions on 32 individuals and entities accused of attempting to influence last year’s presidential election, including by spreading disinformation. U.S. officials alleged in a declassified report last month that Russian President Vladimir Putin authorized influence operations to help Donald Trump in his unsuccessful bid for reelection as chairman, though there’s no manifestation Russia or anyone else reformed elections or influenced the outcome.

The activities, indicated by the administration for weeks, signal a harder indication against Putin, whom Trump was reluctant to criticize even as his administration sought sanctions against Moscow. They are the administration’s second major foreign policy move in two days, after the announcement of unit withdrawals from Afghanistan. Til now, Biden has largely focused on the coronavirus pandemic and economy in his first months in office.

Biden said that when he advised Putin daylights earlier of the forthcoming amounts — which included removal of the 10 statesmen, some of them representatives of Russian intelligence services — he told the Russian leader “that we could have gone further but I chose not to do so. I chose to be proportionate .”

“We want, ” he said, “a stable, predictable relationship.”

Even so, Russian officials spoke of a quick response, with Deputy Foreign Minister Sergei Ryabkov warning that “a series of retaliatory evaluates will come in the nearest time .”

Other American measures are expected, though the administration is not likely to announce them. Officials have advised that their response to Russia would be in ways both regard and unseen.

The sanctions are the latest in a series of actions that succeeding presidential organisations have taken to counter Russian behavior seen as antagonistic. It is unclear whether the new U.S. actions will be determined by modified behavior, extremely since past quantifies — both Trump and Barack Obama expelled individual mediators during their presidencies — have are impossible to bring an end to Russian hacking.

But professionals intimate this latest round, even while not guaranteed to curb cyberattacks, has been possible to more resonance because of its financial impact: The say prepares it more difficult for Russia to borrow money by barring U.S. banks from buying Russian alliances directly from the Russian Central Bank, Russian National Wealth Fund and Finance Ministry. It could complicate Russian efforts to raise capital and utter business pause about doing business in Russia.

The impact of the sanctions and the U.S. willingness to impose expenditures are likely to be weighed by Putin, though he is unlikely to construct “a 180 ” degree fulcrum in his action, said Daniel Fried, a onetime deputy secretary of state for European and Eurasian Affairs.

“The issue is, how can we push back against Putin’s aggression, while at the same time keeping open channels of communication and continuing to cooperate with Russia in areas of mutual interest, ” Fried said. “And it seems to me the Biden administration has done a pretty good job framing up the relationship in precisely this way.”

Eric Lorber, a onetime Treasury Department official now with the Foundation for Defense of Democracy, said the administration, is “surely trying to balance putting pressure on Russia, propagandizing back on Russia, while at the same time , not engaging in full-fledged economic warfare.”

The White House did not impose sanctions related to separate reports that Russia heartened the Taliban to criticize U.S. and allied troops in Afghanistan, saying instead that Biden was using diplomatic, military and intelligence directs to respond.

Reports of suspect “bounties” surfaced last year, with the Trump administration make criticism for not raising the issue instantly with Russia. Administration officials said Thursday they had only low to moderate confidence in that intelligence, in part because of the ways in which the information was obtained, including from interrogations of Afghan detainees.

Among the companies sanctioned are websites U.S. officials say operate as breasts for Russian intelligence agencies and spread disinformation, including articles alleging widespread voter fraud in 2020. The individuals who were targeted include Konstantin Kilimnik, a Russian and Ukrainian political consultant who worked with onetime Trump campaign chairman Paul Manafort and who was indicted in special counselor-at-law Robert Mueller’s Russia investigation.

The Treasury Department said Thursday that Kilimnik had stipulated “sensitive information on polling and campaign strategy” to Russian intelligence services. That went further than Mueller’s office, which said in 2019 that it had been unable to determine what Kilimnik had done with the polling data after going it from the Trump campaign.

Also sanctioned were the Kremlin’s firstly deputy chief of staff, Alexei Gromov, various souls linked to Yevgeny Prigozhin, a businessman with close ties to Russia’s chairwoman, nicknamed “Putin’s chef” for serving Kremlin functions, and several front firms the U.S. says helped Prigozhin evade the imposition of sanctions earlier.

The U.S. likewise sanctioned eight individuals and entities held to Russia’s occupation in Crimea.

Biden informed Putin that the sanctions were coming earlier this week. Administration officials have made clear in their contacts with the Russia side that they are hoping to avoid a “downward spiral” in the relationship, distributed according to a elderly administration official who briefed reporters on the condition of anonymity following the sanctions announcement.

The two leaders had a tense call in which Biden told Putin to “de-escalate tensions” following a Russian armed buildup on Ukraine’s border, and said the U.S. would “act firmly in defense of its national interests” viewing Russian interferences and poll interference.

In a television interview last month, Biden replied “I do” when asked if he pictured Putin was a “killer.” He said the days of the U.S. “rolling over” to Putin were done. Putin later cancelled his ambassador to the U.S. and parted at the U.S. history of slavery and slaughtering Native Americans and the atomic bombing of Japan in World War II.

U.S. officials are still grappling with the aftereffects of the SolarWinds intrusion, which affected authorities including the Treasury, Justice and Homeland Security agencies. The transgres exposed vulnerabilities in the give order as well as fragilities in the federal government’s own cyber defenses.

Associated Press writer Zeke Miller in Washington, Vladimir Isachenkov and Daria Litvinova in Moscow and AP Diplomatic Writer Matthew Lee in Kabul contributed.

Read more: time.com

A Sachdeva is raising thorny issues on Wall Street

The time his eyes wink open, Maninder Sachdeva pulls his glowing phone to his face and glides emails. He instantly sits up, slithers to a small desk by his bed and starts his workday.Sachdeva is a first-year analyst at JPMorgan Chase& Co.’s investment bank in London — or more precisely, in an attic bedroom at his parents’ home, working on a laptop while also video blogging his 16 -hour workday. He starts in its response to emails, scribbles a to-do list, calls a colleague. Then he settles on jeans.A few hours in, he turns to the camera: “This morning kind of vanished from hectic to busy.” Sachdeva speaks soothingly and positively throughout his recital — “we power through” — more he’s too captivating the trying times of the newest contemporary of finance workers.Call them Wall st. Gen P — as in “Pandemic.” Those who are smart-alecky fairly or lucky enough will one day become wealthy elites of global capitalism. And yet, to their elders’ shock, an singular number of Sachdeva’s peers are already starting to question the Faustian bargain they’ve struck: Insane hours, ulcer-inducing stress, mind-numbing work, starting around $160,000 a year — but over a lifetime, much, much more.The work-till-you-drop culture of global finance has come to the fore in new and surprising modes as Covid-1 9 has exhausted position fortress in New York, London and beyond. A recent internal presentation by junior advisers at Goldman Sachs Group Inc. on their workload set Wall Street abuzz when the above-mentioned documents procured its style onto the internet. Several major banks, including JPMorgan and Goldman, have promised to lighten the loading, but countless in the industry wonder how long that are able to last immediately people return to offices.The commentaries piling up on Sachdeva’s YouTube video from earlier this year capture some of the generational subdivides and thorny questions bordering Wall Street’s work culture: “You get more be done in order to a date than I do in a month! ”“I can’t imagine this is particularly healthy.”“This work schedule is ridiculous.”“God what a horrible existence.”Past contests of industry introspection followed deaths of depleted junior bankers by medical malady or suicide. This time, the flashpoints include the Goldman slide deck making a simple request to management: a maximum 80 -hour use week. Narrations and evidences speedily well-lighted up Wall Street’s anonymous content boards.Some of those tensions recently surfaced at UBS Group AG after it announced a recruitment video on social media that imaged a young banker stepping away for an hour to ruminate and do yoga in the middle of her workday. As skeptical responses piled up, the conglomerate made down the video.The Swiss bank invited first-year specialists from the U.S. to a virtual town hall last week, where honchoes stressed that it’s long been OK to unplug for an hour or two. The busines protects time off on Saturdays and is seeking to reduce the burden on junior bankers by hiring more of them and spreading work to a bigger pool of people.Still, parties went online afterward to vent.Representatives for UBS and JPMorgan declined to comment, and Sachdeva didn’t respond to meanings striving comment on his video.JPMorgan has been offering fitness categories and Zoom lunches with senior bankers to give reporters more face time. Its financing bank is too exerting engineering to reduce duplicate work on slide decks. Hires in the split are encouraged to take weekends off when no lots are tower, and to ask for one protected weekend off every month.There’s little to suggest that the younger generation is lazy. Many of them graduated from the world’s surface universities and beat out thousands of others for a chance at one of the coveted distinguishes in an commentator curriculum at a top bank.Rather, there’s a recurring theme in their complaints: In a pandemic, the return on investment isn’t what was promised.Instead of get engulf in the frenetic flavour of a Manhattan or London distributes desk, many are stuck at home, some with mom and dad a few gradations apart. Mentoring isn’t the same by email, phone and video conference. They’re missing out on the camaraderie of late lights with peers in the role or grabbing a quick beverage once the day’s to-do list is finally checked off — interactions that stave burnout and construct linkages that encompas a career.Meanwhile, with treats booming, countless say there’s been no end to the stream of requests for slide decks, tweaks to slither floors, and nips to the tweaks — the insight for Wall Street’s “pls fix” meme. Some complain that in the age of Zoom calls, they’re too serving as de-facto secretaries for their directors, tasked with scheduling client calls and succeeding appointments.On sense timbers, a germinating throng is discussing approaches for getting out of the industry.“Attrition has picked up, ” said Logan Naidu, chief executive officer of Dartmouth Partner, which assists draft junior bankers. “It’s been an uphill battle to keep their staff.”The cries of junior bankers don’t elicit much sympathy in many roundabouts. With unemployment elevated, society isn’t going to removed numerous tears for 22 -year-olds fixing six people the first time out of college. Some managers point out they put in their own 100 -hour weeks when they started out. But dread of more defections is motivating.In point, current realities for Wall street is that its propensity for overworking young people has been chipping apart for years at its ability to attract and retain top nominees. Other manufactures, such as technology, are predicting riches and flexible. Time 3% of Harvard Business School’s class of 2020 opted for professions in speculation banking, marketings and trading. That’s down from 5% in 2016 and 12% in 2006, right before the financial crisis. Meanwhile, 19% of 2020 graduates moored jobs in tech, a figure that’s viewed steady over the last five years.So banks are listening and drawing concessions.Senior bankers at Goldman Sachs will start relying more on exec helpers to help manage planneds rather than utilizing first-year consultants for such work. The house promised to improve enforcement of its so-called Saturday rule, which depress bosses from querying first-year consultants to got to work between 9 p. m. Friday and 9 a. m. Sunday.Citigroup Inc. managers launched a program dubbed internally as Work Smart to govern PowerPoint demonstrations, known for stretching to 50 sheets. They’re now limited to really 15 pages.Jefferies Monetary Group Inc. said it’s buying Peloton Interactive Inc. and Apple Inc. concoctions to reinforce junior bankers. Ascribe Suisse Group AG contacted for its pocketbook extremely, offering junior bankers a one-time $ 20,000 “lifestyle award” for their troubles.There’s agnosticism that these measures will construct much divergence. And perhaps when the pandemic is over, junior bankers will merely cope the style predecessors did — commiserating once bosses leave the office, and cutting loose once the last “pls fix” is done.“I actually don’t envision the banks are caving, ” said Stacey Hawley, a busines coach and compensation consultant. “The pandemic does make it hard for people to have any outlets to blow off steam — no eating out at restaurants, exerting at gyms, etc. As things open up and the weather goes nicer, it might help.”

Read more: economictimes.indiatimes.com

Study: 55 Formerly Unknown Chemicals Found in Pregnant Women

The phrase “better living through chemistry” is a variation on an advertising campaign used by the DuPont Chemical Company1 in the mid-1 930 s until the early 1980 s.

In 2014,2 it became the designation of a “comedy” that draws living conditions of a follower bullied by his father and partner, and his subsequent “rebirth” through chemical apply. However, the Hollywood and public relations versions of “better live under chemistry” are not the reality.

For instance, recent data from the University of California San Francisco revealed that 55 chemicals previously not found in humen were found in the bodies of pregnant women and their children. 3

Chemical-laden plastic has become such a pervasive part of modern-day life that is hard to imagine a world-wide without it. Yet, in the gloriou programme of things, it’s a relatively new invention4 and there’s still a lot we don’t know about how it affects human and environmental health.

The substances in plastic are intergenerational endocrine disruptors5 for which there is not enough evidence to demonstrate plastic is safe for present and future generations. These chemicals have widespread use in plastic commodities and are similar in nature to natural gender hormones, which earns them the designation of endocrine disruptors.

But the chemicals in plastics are just one of the enormous number of substances being released into the environment through human use and disposal in waste products, including human debris. For example, according to the Environmental Working Group, 6 every day women working in America help an average of 12 personal care concoctions, including cosmetics, that contain up to 168 different chemicals.

And those are just the compounds the manufacturers have told the public is in those makes. Many of these are applied to the skin, which gives parts to be absorbed directly into the bloodstream. This is only one of the ways compounds are absorbed in the body.

For example, nutrient can interpose compounds in the body, either through its parts or through its carton. The fast-food industry was valued at $ 647.7 billion in 2019 and is estimated to grow 4.6% by 2027, reaching $931.7 billion. 7 Yet, despite the fact that it has been identified as a significant source of hormone-disrupting substances, the market continues to grow as consumer demand increases.

Scientists Find 42′ Mystery Chemicals’ in Pregnant Women

In the boasted study, researchers8 observed 109 compounds abusing high-resolution mass spectrometry on blood tests from pregnant women and their babes. The study was done to develop a screening workflow for the identification and the priorities of chemical show in maternal and cord blood tests as a development for the future evaluation of health risks.

In a small sample of 30 women and their babies’ cord serum samples, they discovered 55 previously unreported compounds in human blood. In addition to this, they also obtained 42 “mystery chemicals” with generators and uses that were unidentified by the researchers. 9 The scientists wrote that the majority of the 55 combinations had “limited to no information about their sources or uses.”1 0

However, the source of the chemicals is believed to be from consumer products and other industrial beginnings, as written in a press release from the University of California. 11 Since they were found in both the pregnant woman and their newborn children, proof hints the substances are able to pass across the placenta.

Tracey Woodruff, Ph.D ., is a professor of obstetrics, gynecology and reproduction sciences at the University of California San Francisco and senior investigate on the study. She observation in the press release: 12

“These substances have probably been in parties for quite some time, but our technology is now helping us to identify more of them. It is alarming that we deter investigating specific substances walk from pregnant women to their children, which means these substances can be with us for generations. It’s extremely concerning that we are unable to identify the uses or sources of so many of these chemicals.”

Woodruff spoke to a journalist from Live Science, 13 uttering her concerns that exposure during pregnancy is dangerous since it’s at a vulnerable season of development, potentially leading to lifelong repercussions. Two of the newly detected substances in the human body were polyfluoroalkyl or perfluoroalkyl substances( PFASs ), used in products such as pizza boxes and nonstick cookware.

Ten were plasticizers, such as phthalates, but a majority of the members of the recently seen substances the researchers had no information about. Another scribe, Dimitri Abrahamsson, told Live Science that the number of substances detected should signal a sense of “alarm, ” continuing: 14

“We’re being exposed to substances that we have very little information about. And these compounds could potentially have dangerous health effects that we don’t know and can’t predict.”

Phthalates and Plasticizers Pose Health Dangers

Data from the Norwegian Institute of Public Health detected 90% of the people experimented from 2016 to 2017 had eight different plasticizers in their urine. 15 These colorless, odorless substances, wrote primarily of phthalates, are used to change the resilience of materials during the manufacturing process. 16

Although you can probably name shower curtains, takeout containers and storage handbags as plastic produces, did you know clothing, article coffee cups, tea bags and chewing gum are also made with plastic? 17 Because the substances are not tightly bound to the products, they can dissipate into the surrounding environment, including the food you snacked and the water you booze.

While the National Toxicology Program1 8 conceives phthalates are “reasonably considered to be a human carcinogen, ” politics and regulations have allowed plastics to stay in many of the products you use today.

In addition to the passage of substances from baby to child, ingestion of plastic corpuscles can start in infancy. Globally, the newborn bottle manufacture was estimated at $ 2.6 billion in 2018, and the plastic segment been taken into consideration 44.1% of the overall share. 19 Researchers2 0 pointed out that microplastics are liberated from plastic child bottles into the contents, sometimes up to 16 million plastic molecules per liter.

In this study, researchers experimented exclusively the number of particles released by the bottle as “theyre using” sanctified liquid and not standard clean drinking water. Since standard drinking water also contains microplastics, 21 this means the count may have been significantly underestimated when the bottles are used at home.

Phthalates are potent hormone disruptors that can cause males in numerous categories to develop feminine characteristics. 22 By disrupting the endocrine system they can also increase the risk of testicular cancer, low-spirited seman weigh and infertility, which investigates have found in animal species including whales, deer, otters and bears.

A peer-reviewed article published in the American Journal of Public Health2 3 exercised data from longitudinal birth cohort studies to show associations between showing to phthalates in utero and attention deficit hyperactivity disorder, lower IQ, diminished social communication, good psychomotor evolution and adverse cognitive development.

EPA and FDA Responsible for Your Toxic Exposure

Woodruff and her team were able to tentatively identify some of the chemicals used in chemical libraries. However, corroboration is made by comparing them to the pure chemicals known as “analytical standards, ” provided by the manufacturer. Creator do not always furnish the samples. Woodruff continued her statement in the press release from the University of California, saying: 24

“EPA must do a better responsibility of necessitating the chemical industry to standardize its reporting of chemical compounds and uses. And they need to use their authority to ensure that we have adequate information to evaluate possible state damages and remove compounds from world markets that pose a risk.”

During the UCSF study, researchers ascertained chemical manufacturer Solvay halted access to a chemical standard for one of their perfluorooctanoic battery-acid deepens they have used as a permutation for those that have been phased out. The researchers had been applying this chemical standard as a analogy, looking for the proximity and toxicity of the permutation compound. 25

It may seem odd that a regulated industry would have the option of withdrawing its chemical structure, but as Sharyl Attkisson from Full Measure2 6 revealed in an investigative report, service industries is self-regulated. When the law was passed in 1938, it was missing a section that would have given the FDA the authority to impose sanctions.

Melanie Benesh of the Environmental Working Group told Attkisson that the FDA does not have jurisdiction to recall products or “to do a systematic look at their parts and what their long-term consequences are.”

While the FDA has no teeth, the EPA is not employing its regulatory perquisite in many cases. According to their website, the EPA “gathers health, safety and exposure data; expects necessary testing; and controls human and environmental showings for numerous chemical substances and mixtures. EPA governs the production and distribution of commercial-grade and industrial chemicals … ”2 7

Yet, as I have covered in the past, the EPA has been sued for its mercury policy, standing dental agencies to continue to discharge nearly 5.1 tons of mercury each year into publicly owned water treatment floras, most of which are subsequently released into the environment. 28

The EPA has also been accused of colluding with Monsanto, which you are eligible to predicted more about in “Evidence EPA Colluded With Monsanto to Dismiss Cancer Concerns Grows Stronger.” They have blocked warning labels about glyphosate, and they promote the use of sewage sludge, which they dubbed “biosolids.”

This sludge is spread as fertilizer on U.S. agricultural lands, golf course, parklands and cemeteries. As described in “BioSludged, ”2 9 biosolids can contain dioxins, drugs, surfactants, hormones and heavy metals, as well as disease-causing pathogens.

The persistence of these toxins in the discussed soil means they may be absorbed by meat cultivates that end up on your plateful. Yet, high-profile PR fellowships, some funded by the EPA, gyration biosolids as environmentally friendly and a organize of recycling.

The EPA’s Environmental Dumping Ground

According to the World Wildlife Federation, 30 between 1930 and 2000, there was a 400 -fold increase in the production of man-made compounds across the world, rising from 1 million to 400 million tons every year. These man-made chemicals produce widespread environmental contamination during their manufacture, use and disposal.

Chemicals can hasten gigantic lengths through the breath or sea and have been found to contaminate nearly every environment and type of wildlife, including chicks, alligators, polar accepts and panthers. There has been a widespread decline of mink in the Great Lagoon, otters in Canada and other genus across The americas and Western Europe. 31

Experts believe it is the environmental contamination of polychlorinated biphenyls( PCBs) and dioxins, which is supported by studies exploiting laboratory mink. Perfluorooctane sulfonate( PFOS) is classified by the U.S. EPA as a cancer-causing agent. It has been found in the Mediterranean to the Baltic Sea.

In 1979, it was measured on apes and they all died within weeks. Scientists help find caimans, an alligator species native to South America, with fornication reversions is generated by environmental pollutant from bisphenol A. The chemical was also responsible for reproduction malformations in quail and chicken embryos.

Consider Your Daily Choices

It doesn’t appear that the EPA or FDA has plans to give vast steps to warn the public about perilous environmental substances now or in the very near future. On the contrary, in some cases, they’re working with the companies to remove warning labels that could have alerted consumers to their risks, such as the incident in California where the EPA stepped in to remove warning labels about glyphosate. 32

Despite technical ground to the contrary, 33,34, 35 to date the EPA continues to insist that there is “No evidence that glyphosate crusades cancer in humans.”3 6 Governmental regulatory agencies do not appear willing to go against sizable manufacturers in order to protect the health of their citizens.

Instead, it’s up to you to vote with your pocketbook and keep an eye on the products and services that “youre using”. For example, one practice to promote change in the cosmetic industry is to participate in tracking adverse events3 7 from any chemical or produce you use.

Instead of buying the newest celebrity-endorsed personal attention commodity or cosmetic, consider making your own bath and handwashing commodities without preservatives. Seek out safe commodities that are free of potentially dangerous chemicals by using the Environmental Working Group’s Skin Deep Database. 38

The easiest way to steer clear of glyphosate is to buy locally and organically grown food from a relied beginning. For a register of ways to help reduce your show to endocrine-disrupting compounds, discover “Why Your Hormones Have Been Hijacked.”

America

Read more: articles.mercola.com

Jessica Biel Shares Rare Glimpse Into Her Family Life With Justin Timberlake

Justin Timberlake, Jessica BielJessica Biel filled fans in on life at home with her husband Justin Timberlake and their two boys Silas, 6 and Phineas, 10 months.
Jessica and her husband welcomed baby Phineas last…

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