The pros and cons of using your Isa savings to invest in tracker funds

first_img The pros and cons of using your Isa savings to invest in tracker funds whatsapp Eleanor Ross whatsapp Yearsley points out that it’s also impossible to be an ethical investor through passive products.Regardless of what market they’re tracking, passive Isas will include weapons manufacturers and tobacco companies. Compare this to an active manager who can exclude those businesses, so it’s worth consider what’s important to you.McDermott also points out that actively managed funds can beat the index if you find the right manager. “A good manager will consider the fundamentals of the individual company, the price being paid, and how much of a weighting a company should have in a portfolio.”Silver liningOn the face of it, it can seem like there are more cons than pros when it comes to passive investing.However, McDermott admits that sometimes passive is better. One example is the Global X Silver Miners exchange-traded fund (ETF), which gives exposure to silver, and can help to diversify a portfolio.If you’re interested in the US markets, tracker funds like the Fidelity US Index are also useful, because it’s almost impossible to outperform parts of that market.McDermott also offers a word of caution: “One area where we almost certainly wouldn’t use ETFs is the bond market because, by definition, you are buying the most indebted companies, which doesn’t sit well with us.”Bear in mind, if you’re planning to invest, make sure your cash goes into regulated UCITS funds, which have safeguards to protect your cash. If you spend a lot of time staring at the stock market, thinking about what’s rising and falling, and how you can play the market for the best returns, passive investing probably isn’t for you. You’re never going to make whirlwind returns.But they’re the simplest (and often cheapest) funds to invest in.Although he admits that passive investing wouldn’t be his first recommendation, Ben Yearsley, director at Shore Financial Planning, says that “it’s better to invest than not at all”, adding: “Too many people, especially investment novices, say investing is too confusing, and prefer to just keep their savings in cash.”Cheap and cheerfulAny investment you choose to make that follows the market will fluctuate. This is the nature of investing.If you decide to use your Isa allowance to invest in passive funds, they will only track the indices, so be aware that you won’t be able to the beat the market. But if the market gains, so will you. And vice versa. Tags: Company FTSE 100 Isas Tax US markets McDermott draws particular attention to the Virgin UK tracker fund, which has an annual management charge (AMC) of one per cent. That’s very high given that the average AMC for tracker funds is 0.33 per cent, according to Morningstar.Yesterday’s storyOne thing you do get with a tracker is guaranteed underperformance, warns Yearsley. “Because of the charges, your return will not match the performance of the index.”McDermott describes passives as “yesterday’s story”, adding: “By their very nature, they invest in companies that have already done well or are popular, not those that will necessarily do well in the future.”“A passive Isa will never outperform an index if they are a true tracker, because it will be index performance minus charges,” explains McDermott. “As an investor, you have to have exposure to all companies in the index, even if you think that they are badly run or unlikely to do well.”And also there’s no altering your stocks if you feel like a business has made a bad decision.center_img by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May Likebonvoyaged.comThese Celebs Are Complete Jerks In Real Life.bonvoyaged.comBleacherBreaker4 Sisters Take The Same Picture For 40 Years. Don’t Cry When You See The Last One!BleacherBreakerDefinitionMost Embarrassing Mistakes Ever Made In HistoryDefinitionFilm OracleThey Drained Niagara Falls – Their Gruesome Find Will Keep You Up All NightFilm OraclePost FunA Coast Guard Spotted Movement On A Remote Island, Then Looked CloserPost FunZen HeraldEllen Got A Little Too Personal With Blake Shelton, So He Said ThisZen HeraldHealthyGem20 Hair Shapes That Make A Man Over 60 Look 40HealthyGemPets DetectiveAfter Céline Dion’s Major Weight Loss, She Confirms What We Suspected All AlongPets DetectiveElvenarIf You Are Above 30, this Fantasy Game is a Must-Have. No Install.Elvenar With the 5 April tax deadline fast approaching, have you worked out where is best to invest your Isa savings?If you haven’t, you might like to consider looking at passive investing. Also known as trackers, passive funds simply track what’s happening in big indices, such as the FTSE 100, the S&P 500, and the Dow Jones. Darius McDermott, managing director at Chelsea Financial Services, says that trackers are really easy to understand: “If the market is strongly rising, they can do very well.”He also points out that some passive funds will follow the markets more closely than others. For example, some will fully replicate the market. Others, however, will replicate the biggest stocks in an index, and assemble the smaller companies in the index into a “basket” of stocks, rather than using the exact weightings of the smallest companies in the index.Also consider that there is nothing particularly passive about a passive Isa. You’re still making an investment decision, which is the most active thing you can do with your money.The big benefit of tracker funds is that they are cheap, because there’s no asset manager trying to cherry-pick the right stocks for you.With that said, also be aware that not all passive funds are inexpensive. Wednesday 20 March 2019 7:55 am Sharelast_img read more

News / PSA buys Halterm Container Terminal, its first box facility in Canada

first_imgBy Alexander Whiteman 01/08/2019 Singaporean port operator PSA International has acquired Halterm Container Terminal, in the Canadian port of Halifax.Completion of the deal was announced this morning, with the world’s largest port operator buying the terminal from Macquarie Infrastructure Partners for an undisclosed sum.Group chief executive Tan Chong Meng said: “We are excited to welcome Halterm into PSA’s global family of ports, PSA’s first coastal terminal in Canada.“We look forward to working alongside Halifax Port Authority, customers, staff and the local community to further enhance Halterm’s capabilities and connectivity.”The only deepsea container terminal on Canada’s eastern coast, Halterm saw volumes climb 16% between 2016 and 2017, and maintained levels last year at around 547,000 teu.It operates three box berths and is awaiting delivery of a fifth super post-panamax quay crane to enable it to handle two mega-container vessels concurrently in 2020.Despite a difficult first quarter, a 7.9% increase in Q2 volumes will no doubt buoy PSA, which was again ranked as the world’s busiest port operator by Drewry.“PSA and Hutchison occupy first and second places, with PSA’s pre-eminence due to its 20% stake in Hutchison Ports,” said Drewry.However, Hutchison’s standing faces a threat from Cosco which leapt from fifth position to third with a 30% upturn in volumes, largely bolstered by its acquisition of OOCL.As a result, DP World and APMT dropped a place to fourth and fifth, respectively, APMT registering 7.8% growth, “helped by the closer relationship with Maersk Line resulting in more of the carrier traffic directed to APMT facilities”, and DP World seeing 3.3% growth.China Merchants with 35m teu is in sixth place and MSC’s terminal operating arm TiL, seventh and both recorded double-digit growth in equity-adjusted volumes.Neil Davidson, Drewry senior analyst of ports and terminals, said: “A premier league of seven big operators has emerged, after which the next largest player is a third of the size.“Between them they accounted for nearly 40% of global throughput in 2018.”last_img read more

Brexit News / UK DfT snaps up extra ferry capacity to keep freight ‘flowing smoothly’ post-Brexit

first_imgPD Ports’ Teesport. Photograph: Stuart Boulton. The UK’s Department for Transport (DfT) has signed a £77.6m deal with four ferry operators to provide extra capacity between the UK and continental Europe should cross-Channel freight flows be hit by significant disruption post-Brexit.The DfT said the extra capacity amounted to 3,000 trailers a week and the deal with Brittany Ferries, DFDS, P&O Ferries and Stena Line is focused on nine routes serving eight ports – Felixstowe, Harwich, Hull, Newhaven, Poole, Portsmouth, Teesport and Tilbury.These routes, said the DfT were “in areas less likely to experience disruption”.Transport Secretary Grant Shapps said: “As the transition period comes to an end, we’re putting the necessary measures in place to safeguard the smooth and successful flow of freight.“Securing these contracts ensures that, irrespective of the outcome of the negotiations, lifesaving medical supplies and other critical goods can continue to enter the UK from the moment we leave the EU.”Today’s DfT contracts were awarded under the freight capacity framework and will be in place for up to six months after the end of the transition period.Last year, the DfT headed by Chris Grayling paid £87m to ferry companies for similar capacity arrangements, infamously including Seaborne Freight. But the extra capacity was unnecessary as Brexit was postponed.Today the DfT said: “Should the contracts not be required, termination costs would reflect a fraction of the full contract amount.”Coinciding with the announcement, Teesport owner PD Ports today completed a £3.36m refurbishment scheme of its Number 1 ro-ro linkspan.The port operates three ro-ro berths, serving nine sailings a week from Rotterdam and Zeebrugge, as well as a monthly call from Japan. The renovation of the terminal will allow a wider range of vessels access to the berth.PD Ports CEO Frans Calje said: “Ro-ro is an important component of our port activity at Teesport and integral to our preparations to support future trade movements in a post-Brexit era, while continuing to drive economic growth for the Tees Valley. By Gavin van Marle 13/10/2020last_img read more

Fr Paddy: Letting go of things that aren’t good for us

first_imgThe monkey is making a very poor trade-off: his freedom for a prize that wouldn’t be that difficult to find in a less threatening location. But the animal is blinded by its attachment to the treat.The monkey is acting out of instinct; it probably doesn’t have the ability to recognize the danger of grasping the bait — or the fact that such behavior will have a dramatic impact on its future.But humans should be able to avoid falling into such a trap. We should be able to understand the danger of holding on to things that don’t serve us well. We should realize when we’re creating traps for ourselves.Unfortunately, most of the traps in life are those we create for ourselves.We hold on for dear life to things that don’t serve us well. We hold on to past mistakes; we cling to the privilege of being right; we won’t let go of anger and resentment; we become attached to material things that are of little value; and we often put our attachment to possessions ahead of our own well-being.If you’re going to find happiness in life, you need to examine what you hold.Take a close look at the attachments in your life. Do you place more importance on things outside of yourself than on things inside you? The more important something is in your life, the more you become attached to it.If what you treasure is outside yourself — that is, other things or other people — then you risk being trapped by those bonds.You have the ability to choose your treasures in life. You need to examine your life to determine if you’re being trapped by the things you treasure.If we’re attached to things, we are restricted. Only by letting go can we be free.Prayer To Let Go Of The PastLord Jesus I pray that You would enable me to forget the things which are past and help me to press forward, knowing that my hope and my future is in You.Help me not to dwell on past hurts and painful memories and enable me to forget what is behind and to walk forward into each new day, holding Your hand.Lord I release all of the painful memories I have to You and pray that You would help me to renew my mind day by day and to focus my thoughts on the Lord Jesus Christ.Help me also to forgive all those that have caused me pain so that by Your grace You would help me to fill my heart with new and joyful thoughts.Lord I believe that You came to heal the broken-hearted and set the captives free.Wash away all these hurtful memories that are causing me so much heartache I pray – and replace them with the joy of my salvation, which I have received in Christ Jesus my Saviour – for which I offer You thanks and praise.Lord may the words of my mouth and all the thoughts in my mind be filtered through You – and may I build up new memories that are sweetened by the beauty of Your Person, in Jesus name I pray, Amen.SEE ALSO – Fr Paddy: Oscar Romero – How the good will always prevail Fr Paddy: Letting go of things that aren’t good for us Community WhatsApp Council TAGSFr Paddy Byrne Twitter Facebook Pinterest Anything that you have to control, controls you.There are many variations to this story, but it’s quite instructive.In South America, Africa and Asia, the natives have devised a very effective method of trapping monkeys.The plan is deceptively simple: the natives take a gourd or some similar object and drill a hole just large enough for a monkey’s hand to pass through; they add some extra weight to the gourd with sand or pebbles, then put a nut or some fruit inside and place the gourd where a monkey will find it.Here’s what happens: the monkey sticks his hand through the hole to get the food — but with the prize in its grasp, the monkey cannot get its hand back out.The hole is too small for the monkey’s hand to pass through so long as it’s holding the treat, and the gourd is too heavy for the creature to carry. Because the monkey will not let go of its prize, it becomes trapped. The animal gives up its freedom to hold on to a small piece of food.It seems obvious that all the monkey needs to do is let go of the bait and it can escape. But because it views the treat as its possession and is not willing to let go, the monkey is trapped. It loses its freedom.Letting go of things that don’t serve usIt’s easy for us to see how foolish it is to keep holding something that really isn’t worth much. Charlie Flanagan on Electric Picnic: ‘I’d ask organisers to consult with community leaders’ Previous articleIn Pictures: Joyous scenes as Ballyroan-Abbey claim Minor football gloryNext articleWins for Rosenallis and O’Moore’s as Mountmellick crash out of FAI Junior Cup Fr PaddyFr Paddy is a curate in the hugely vibrant Portlaoise Parish. From Carlow town, he was educated in Carlow CBS and studied Business and Politics in Trinity College Dublin before training to be a priest in Carlow College.He is the youngest priest in the Kildare & Leighlin diocese and writes for a number of media outlets. He has almost 14,000 followers on Twitter.center_img Pinterest WhatsApp By Fr Paddy – 21st October 2018 RELATED ARTICLESMORE FROM AUTHOR Community Home Columnists Fr Paddy: Letting go of things that aren’t good for us Columnists Facebook Five Laois monuments to receive almost €200,000 in government funding Twitter New Arles road opens but disquiet over who was invited to official openinglast_img read more

JOB VACANCIES: Bosco’s Gala Store are looking to fill key positions

first_img Laois secondary school announces scholarship winners for new academic year Home Jobs JOB VACANCIES: Bosco’s Gala Store are looking to fill key positions Jobs Bosco’s Gala in Portlaoise is now recruiting for the following roles:Deli staff – part-time and full timeBaker – part-time full timeApplicants must have the following: Motivation/InitiativeFlexibility to work five days over sevenExperience in dealing with customers and food preferableTo ApplyApplications only by CV to: Boscos Gala, 30 Grattan St, Portlaoise, Co Laois or email [email protected] ALSO – Check out the dedicated jobs section on LaoisToday Twitter RELATED ARTICLESMORE FROM AUTHOR Community JOB VACANCIES: Bosco’s Gala Store are looking to fill key positions Pinterest Pinterest WhatsApp Facebook Twitter Council Previous articleNo contest needed as Fine Gael select their Portlaoise Local Election teamNext articleDeaths in Laois – Thursday, January 17, 2019 LaoisToday Reporter By LaoisToday Reporter – 17th January 2019 TAGSBosco’s Gala Charlie Flanagan on Electric Picnic: ‘I’d ask organisers to consult with community leaders’ WhatsApp New Arles road opens but disquiet over who was invited to official opening Community Facebooklast_img read more

LIVE BLOG: Laois hurlers take on Dublin in final Round of Division 1B

first_img Laois secondary school announces scholarship winners for new academic year Council Facebook SEE ALSO – Big-hearted Laois man Paddy Phelan speaks about giving up his home to help a young family Carlow are on two points – following draws with Laois and Galway – but can go through if they beat Offaly and Laois lose to Dublin.Offaly, with no wins to date, cannot avoid the playoff or go to the quarter-finals – but a win for them over Carlow would send Laois through.If Laois finish in fourth position in Division 1B, they will play the top side in Division 1A in the quarter-final.You can follow all of the action here: Pinterest Previous articleMoment in Time: The Harps Camogie club host Wax or Shave event in 2008Next articleSocial housing, All Ireland finals and election nominees – it’s our Top Stories of the week Siun Lennonhttp://heresosiun.blogspot.ie/2016/09/the-lekkie-piccie-experience.htmlSiún Lennon joined LaoisToday in a full-time capacity after studying Journalism and New Media in the University of Limerick. She hails from Rosenallis and her interests vary from news, sports and politics. Talking Sport Podcast: County finals galore, international call ups and Mike Henchy interview Pinterest Facebook TAGSAllianz Hurling League Division 1BLaois senior hurlersLaois senior hurling teamLaois v DublinLive Blog Community New Arles road opens but disquiet over who was invited to official opening Twitter WhatsApp WhatsApp Home Sport GAA LIVE BLOG: Laois hurlers take on Dublin in final Round of Division… SportGAAHurlingLaois Senior Hurling Team RELATED ARTICLESMORE FROM AUTHOR Podcasts By Siun Lennon – 3rd March 2019 LIVE BLOG: Laois hurlers take on Dublin in final Round of Division 1B Twitter This weekend marks the final group stage of the Allianz Division 1B.Laois senior hurlers take on Dublin in Parnell Park, where they hope to stay out of the bottom two and launch themselves into the division 1 quarter-finals.All final group games of division 1B are taking place today and there are plenty of crunch ties to keep interest up until the very last minute of play.While Laois take on the Sky Blues in Parnell Park, Galway and third place Waterford are competing for the number one spot on the table.A key game for Laois eyes will be Carlow versus Offaly in Netwatch Cullen Park at 2pm.last_img read more

Dispute Resolution Foundation to Celebrate 15-Year Anniversary

first_imgDispute Resolution Foundation to Celebrate 15-Year Anniversary UncategorizedJanuary 8, 2009 RelatedDispute Resolution Foundation to Celebrate 15-Year Anniversary RelatedDispute Resolution Foundation to Celebrate 15-Year Anniversary RelatedDispute Resolution Foundation to Celebrate 15-Year Anniversarycenter_img FacebookTwitterWhatsAppEmail Several activities have been planned to mark the Dispute Resolution Foundation’s (DRF) 15th anniversary this year, which has also been proclaimed National Year for Dispute Resolution.The activities include the launch of parish exhibitions and a schools’ competition; Alternative Dispute Resolution (ADR) workshops for sports and entertainment leaders; a one-day conference for tourism leaders; a gala awards function in July; a heroes of peace family fun day and concert in October, and a thanksgiving service in December. Several parish mediation, and peace and justice centre visits are also scheduled to take place.Details of the events were unveiled during a DRF media briefing at the Courtleigh Hotel in Kingston on Wednesday (Jan. 7).Board member of the DRF, John Bassie said this year, the DRF will also be placing emphasis on enhancing the delivery of court and commercial mediation services under Part 74 of the Supreme Court Civil Procedure Rules, which provides for most civil cases listed for trial in the High Court, to be automatically referred to mediation, once the first defence is filed. A mediator is either selected from a designated roster within 35 days, or one is appointed by the DRF, and a date, thereafter, set for the parties involved to meet. Attorneys and clients duly authorised to settle the matter, are required to attend and endeavour to reach a settlement.Other activities scheduled for roll out, Mr. Bassie disclosed, are the publication of a seminal study on the attitudes, concepts, and prevalence of conflicts, and violence reduction initiatives in some 30 schools; and the institution of a number of community-based justice programmes and service, in partnership with the Ministry of Justice.Regionally, Mr. Bassie said plans are also being made to consolidate work and partnerships established with fellow stakeholders in Belize, Guyana, Trinidad and Tobago, Barbados, Bahamas, and the Organisation of Eastern Caribbean States (OECS). He further advised that the Foundation will seek to establish formal relationships with the Caribbean Community (CARICOM), to provide services to the CARICOM Single Market and Economy (CSME), the Caribbean Court of Justice, as well as in matters pertaining to the Economic Partnership Agreement (EPA).Noting security, violence, and governance; and business disputes arising from global and local economic developments, as the two main challenges which Jamaica will have to contend with during 2009, the DRF director said that in addressing these matters, there will be need to strengthen existing partnerships, and establish new ones with several key stakeholders. These include: the Ministry of Justice; the Caribbean chapter of the Chartered Institute of Arbitrators; private corporations; international development partners; communities; and young people.Chairman of the DRF, Novar McDonald, who also addressed 0the briefing, noted several significant achievements, which the organisation has attained during its 15 years. These, he pointed out, include: the establishment of 16 service points across the island to deal with disputes arising in communities; implementation of dispute resolution initiatives in some 30 target schools in Kingston and St. Andrew, St. Catherine, and St. James; implementation of the school suspension programme, which aims to provide youngsters who have been suspended from school with the necessary support and channels through which they can discuss matters contributing to the disruption in their attending school, while ensuring that they are in good stead with their academics.Other achievements, which the Chairman highlighted, include a 61 per cent success rate in the cases in which the DRF has mediated, and extensive training programmes undertaken in the wider Caribbean.Counsellor, and Head of Development Cooperation at the Canadian Agency for International Development (CIDA), one of the DRF’s key partners, Lorriane Belisle, noted that both organisations have had a long-standing relationship through the Foundation’s work funded by CIDA. Some of these activities include: training of correctional officers and inmates at the Tower Street Correctional Centre, and South Camp Rehab Centre in Kingston, in dispute resolution in the 1990s; design and delivery of several initiatives under the Social Conflict and Legal Reform Project, inclusive of: the establishment of community Peace and Justice Centres in Trench Town, Kingston, and Flankers, Montego Bay, St. James; and development of a Restorative Justice Policy for Jamaica.“CIDA is committed to supporting the Government of Jamaica’s justice reform agenda, and values the DRF’s role as a key partner in these reforms, based on its track record of high quality, appropriate, and innovative services,” Mrs. Belisle said.The DRF was also presented with a cheque for $200,000 by Manager of Corporate and Regulatory Affairs at Carreras Limited, Rhys Campbell, which will go towards enhancing the work and activities being undertaken at the Spanish Town Peace and Justice Centre.On Tuesday (Jan. 6), Governor-General, His Excellency, the Most Hon. Professor Sir Kenneth Hall, declared 2009 as the National Year of Dispute Resolution, during a ceremony at King’s House. Advertisementslast_img read more

Press Briefing by White House COVID-19 Response Team and Public Health Officials 22 May

first_imgPress Briefing by White House COVID-19 Response Team and Public Health Officials 22 May The White HouseVia Teleconference11:03 A.M. EDTACTING ADMINISTRATOR SLAVITT: Good morning. Today, Dr. Walensky will provide an update on the state of the pandemic, Dr. Fauci will provide an update on the latest science, and Dr. Murthy will provide an update on our efforts to build vaccine confidence.Here’s how I want to start though: I want to discuss what some businesses who cater to young people are doing to assist with the vaccination efforts.Scores of businesses and organizations have responded to the President’s call to action to volunteer their services and help the American people to get vaccinated.Over the next few weeks, we’ll be highlighting a number of outside initiatives to provide incentives for people to get vaccinated. We believe that it’s particularly important to reach young people where they are in the effort to get them vaccinated.We do know that in addition to schooling, financial loss, stress levels, the pandemic has also had a negative impact on young people’s social lives.Social distancing and dating were always a bit of a challenging combination. So today, dating sites like Bumble, Tinder, Hinge, Match, OkCupid, BLK, Chispa, Plenty of Fish, and Badoo are announcing a series of features to encourage vaccinations and help people with that univer- — help people meet people who have that universally attractive quality: They’ve been vaccinated against COVID-19.These sites cater to over 50 million people in the U.S. and are some of the world’s biggest nongaming apps.Here’s one for you: According to one of the sites, OKCupid, the people who display their vaccination status are 14 percent more likely to get a match. We have finally found the one thing that makes us all more attractive: a vaccination.These dating apps will now allow vaccinated people to display badges which show their vaccination status, filter specifically to see only people who are vaccinated, and offer premium content — details of which I cannot get into, but apparently, they include things like boosts and super swipes. The apps will also help people locate places to get vaccinated.Alright, got through that.Today also happens to be our “Digital Day of Action.” The White House and others, including Michelle Obama, will be highlighting the Vaccines.gov website and 438829 text line throughout the day.Now it’s been four months since President Biden’s first full day of office. Things are substantially better than they were four months ago when we were losing thousands of Americans each day and people were waiting weeks or more to get vaccinated, usually not even knowing where or when it would happen.Today, more than 125 million Americans are fully vaccinated. Those Americans who have been vaccinated are at much lower risk and have more of their lives back. They’re able to do most things mask free and with less reason to socially distance. Tens of millions more, adding up to more than 60 percent of the adult population, are at least partially vaccinated.The impact has been everything we could have hoped for, given the power of vaccines. Across the country, cases of COVID-19, serious illness, and loss of life are all down dramatically from when we arrived. And they can be brought down even further, and the risk of a future wave in your community significantly reduced, if we keep up the pace of vaccinations.Many Americans have still not gotten vaccinated — most of them younger, many of them not opposed to vaccination; they simply haven’t prioritized it. It has never been easier.Starting Monday, when you text to 438829, not only will you instantly see where vaccines near you are available, you will also be offered a free ride there and back, more employers are offering paid time off to get vaccinated, and, as we discussed today, there are clear benefits to your social life.Most importantly, you’ll be protected from a virus which is still racing around the world.I will now hand it over to Dr. Walensky.DR. WALENSKY: Thank you. Good morning. I’m pleased to be back with you today. Let’s begin with an overview of the data.Yesterday, CDC reported a little over 27,850 new cases of COVID-19. Our seven-day average is about 27,700 cases per day. This represents yet another decrease of more than 19 percent from the prior seven-day average and also marks the second day in a row where our seven-day average is less than 30,000 cases per day. The last time the seven-day average of cases per day was this low was June 18th, 2020.The seven-day average of hospital admissions is slightly over 3,400, a decrease of almost 15 percent from the previous seven-day period and another positive trend.And the seven-day average of daily deaths has also declined to a new low of 498 per day.At the start of each briefing over the past few weeks, I’ve shared with you a snapshot of the data and, more recently, the encouraging decreases in cases, hospitalizations, and deaths. As each week passes and as we continue to see progress, these data give me hope.I also know that these snapshots are hard to put into the context after 16 months of reviewing them. In isolation, each data point does not tell the full story of what we are seeing across the country.Today, I’d like to give you a bit of a deeper dive into the data and to share with you ways you can understand the progress your community is making.Each day, CDC, in collaboration with partners across the government, releases a Community Profile Report, and updates our county-level data on COVID Data Tracker.When we look at COVID case incidents at county level, we see major decreases. As I mentioned at the start of my remarks, we have seen a 20 percent decrease in the seven-day average of cases across the country, and we have seen some counties across the country have had an even greater decrease, including decreases of 25 percent in more — or more in just the past week.Each week, we also see a release of an assessment of county-level transmission risk, taking into account rate — COVID rates and COVID-19 test characteristics. And we have used this transmission risk for many of our CDC guidance materials — for example, our school guidance.Importantly, over the past month, there has been a steady decline in the number of counties in the United States with a high risk of community transmission. And more and more counties are moving to low or moderate transmission categories.We now have 307 counties, or 10 percent of the entire U.S., in which we would characterize having low transmission. And there are 1,183 counties, or 37 percent of all U.S. counties, in the moderate transmission category, which we define as less than 50 cases per 100,000 in the last seven days.Now, if you look at this new slide up, I want to show you two maps of our country: one from January and one from this week.CDC uses data on cases and county transmission to help us understand areas across the country where we may have concern for emerging or sustained outbreaks and where things have markedly improved, and also to understand the burden of infection at the local level, because we recognize that these decisions have to be made locally.When we look across the country, our areas of high or moderate burden — indicated by red and pink respectively — are shrinking. And areas with low burden of disease — indicated by light green — are markedly increasing. Many of the areas where previous high and moderate burden are now resolving and are highlighted on blue in this map.The map on the right demonstrates our national landscape that things are improving. And we are seeing this week after week and with more and more green over time.These data are telling us a story: As more and more people roll up their sleeves and get vaccinated, the number of cases and the level of community risk is decreasing.I want to thank everyone who has done their part to bring us where we are today, with more than 60 percent of Americans 18 and older having received at least one dose and being on their way to full vaccination, and 126.6 million Americans who are fully vaccinated.The progress in these data are so encouraging to me and, I hope, encouraging to you.And I know our work here is not done. We still have many more people to get vaccinated. I encourage everyone who is not yet fully vaccinated to visit Vaccine.gov and find a location to get your first or second shot.Thank you. I’ll now turn things over to Dr. Fauci.DR. FAUCI: Thank you very much, Dr. Walensky. I’d like to spend the next couple of minutes just underscoring and emphasizing the reasons why Dr. Walensky was able to show you such promising data, and that is the real-world effectiveness of the COVID-19 vaccine. And bringing you up to date on some of the data that confirms the things that we’ve been telling you over the last several press briefings.Next slide.This is an MMWR from the CDC, which is looking both at the Pfizer-BioNTech and the Moderna vaccine among healthcare personnel at 33 sites in the United States.Again, if you look at the effectiveness in the real-world setting — again, right at the point that we saw with the clinical trials — usually real-world settings have less of an efficacy than in the trials, as I’ve mentioned many times. Not so here — 94 percent against symptomatic disease.Next slide.If you look at a very interesting study that came out two days ago in the New England Journal of Medicine looking at the incidence of SARS-CoV-2 infection in nursing home residents in those who are either vaccinated or unvaccinated, we see a very interesting phenomenon.Among the 13,000 residents who were vaccinated who received two doses, there was a 1 percent infection within 0 to 14 days of the second dose, and practically no infections — namely, 0.3 percent — after 14 days.Note that 80 percent of the cases were asymptomatic among vaccinated individuals — something that we have seen in other situations.Next slide.On the other side of the coin are those in the same study who are unvaccinated. If you look at the infection rate of those individuals within 0 to 14 days after the first clinic, they were 4.3 percent compared to the very small 1 percent in the previous slide, and they’re 0.3 percent if you waited more than 42 days. This is a reflection of what is likely a mini version, within the nursing home setting, of herd immunity.Next slide.And then another multi-state Mayo Clinic Health System study where you look at adenovirus vector, namely the J&J. I’ve been speaking to you up to now about the mRNAs. So, after at least two weeks of follow-up, the vaccine effectiveness, again, was even greater in the United States here than we originally reported, with the 72 percent.Next slide.Again, more data. This was a J&J paper that I showed to this group a few weeks ago, looking at the safety and the efficacy of the single-dose Ad26. As you can see, the efficacy was 74 percent in the United States.But now take a look at this a little bit more closely.Next slide.If you look at the hospitalizations and compare the placebo, in red, with the J&J, in blue, 14 days postvaccination, you see there’s 93 percent vaccine efficacy. But if you wait at least 28 days postvaccination, it’s 100 percent with regard to hospitalizations.Next slide.And then when you look at deaths, there were no COVID-19 related deaths in the vaccine group, and five COVID-related deaths in the placebo group.And on the final slide, what does this tell us? That vaccines protect you. They protect your family. And they interrupt the chain of transmission of the virus.So, the bottom line, as we’re all saying: Get vaccinated.Passing it over to you, Dr. Murthy.DR. MURTHY: Well, thank you so much, Dr. Fauci. And it’s good to be with all of you again this morning. I’d like, today, to share some numbers with you concerning people who are vaccinated and unvaccinated.The recent data from the CDC, involving a survey of over 14,000 people, showed that more than 70 percent of Americans are vaccinated, planning to get vaccinated, or likely to vaccinated.And while a portion of the unvaccinated population do have questions about the vaccine, and while we are going to continue to mobilize trusted messengers through our COVID-19 Community Corps to help answer these questions, the truth is that, overall, vaccine confidence in the country remains high. That is good news.The data continues to point, though, to access barriers being an important additional concern among people who are unvaccinated. There’s a recent Kaiser Family Foundation survey which looked at pe- — those who are unvaccinated, but who wanted to get vaccinated as soon as possible.What it found was that more than a third of people in this group said that they have not gotten vaccinated because they didn’t have enough time due to work hours or other schedule conflicts or because they just hadn’t gotten around to it. About 7 percent of people said that they didn’t have information about how to get vaccinated. Eight percent said they weren’t sure if they were eligible or had the right documentation.These numbers may seem small, but they actually represent millions of people, and they are crucial to reach with vaccines if you want cases to come down and stay down.Now, when we look at another part of the unvaccinated population — those who do not want to get vaccinated as soon as possible — it turns out here, too, access is an issue. Among those who are employed, 28 percent say that they would be more likely to get vaccinated if they receive time off to receive and recover from the vaccine. Another 20 percent say they would be more likely if their shot was administered in their workplace.So, employers not only have an opportunity to increase vaccination rates, but if you look at one more piece of data, it turns out that they can also help to close the equity gap in vaccinations. This is so important because we’ve said from the beginning that success is not just determined by how many people we get vaccinated, but by how equitably and fairly we vaccinate our population. And workplaces, it turns out, can play a role in that.Because among the unvaccinated, 64 percent of Hispanic adults and 55 percent of Black adults have concerns about missing work to recover from vaccinations compared to 41 percent of white adults.And that’s why the recently announced tax credits for businesses and nonprofit organizations with fewer than 500 employees are so important — because they provide financial support for businesses providing time off for employees to actually get the vaccine and recover from temporary side effects. We want people to know about this. We want businesses to take advantage of it.This next phase of the vaccination campaign was — will be driven, more than anything, by the people and organizations and communities who help to vaccinate their families, their friends, and others in their neighborhoods. It’s why we’ve been saying that addressing access, motivation, and vaccine confidence requires an all-hands-on-deck approach. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:america, american, CDC, clinical trials, COVID-19 Response, Government, health, Mayo Clinic, Obama, plenty, public health, social distancing, Tinder, United States, vaccination, White Houselast_img read more

Coffee for Wine Lovers – Benevolent Dictator Coffee

first_img TAGSBenevolent Dictator CoffeeConsumerSilver Trident Winery Email Previous articleAnnouncing the 20th Annual World of Pinot NoirNext articleSangiacomo Family Earns 2019 Sustainable Farmer Award at Sonoma County Harvest Fair Press Release Twitter Linkedin Home Industry News Releases Coffee for Wine Lovers – Benevolent Dictator CoffeeIndustry News ReleasesWine BusinessCoffee for Wine Lovers – Benevolent Dictator CoffeeBy Press Release – October 14, 2019 251 0 Pinterest Share AdvertisementSilver Trident harvests similarities between blending fine wine & fine coffeeYountville, Napa Valley, October 2019 — Silver Trident Winery’s winemaker and Tasting Home staff have developed a proprietary blend of coffee, which will be available to purchase at its Tasting Home in Yountville. Winemaker Kari Auringer led the effort to create a blend which maximizes complexity, aromas and a long finish—similar to the elegant and distinctive Silver Trident wines she makes.The Benevolent Dictator Coffee, in an elegant bright red bag, contains responsibly harvested whole beans. The beans are sourced from Burundi, specifically because of the qualities of acidity due to the high altitude; Guatemala, for specific mid-palate flavor notes and Sumatra, for mocha characteristics.“There are many similarities between a fine wine and delicious coffee,” explains founder Bob Binder. “Both are complex, aromatic, well balanced and absolutely delicious,” he adds. “We sourced outstanding beans roasted in a very specific way for a coffee which will appeal to the most discerning wine aficionado who also appreciates superb coffee,” he continues. The Benevolent Dictator coffee beans are blended in small 40-pound batches, similar to the small-scale artisanal winemaking processes behind Silver Trident’s wines.The 12-ounce bag of medium-roast whole bean coffee will be available for $18.00 at The Tasting Home at 6495 Washington Street in Yountville later this fall.Silver Trident Winery is a small production winery whose Yountville Tasting Home is an elegant showroom with décor and furnishings by the Ralph Lauren Home Collection. Exemplifying a new business model for winery tasting rooms, guests can taste the winery’s five wines while relaxing in either the dining room, study or living room. Winemaker Kari Auringer seeks out distinctive vineyards for grapes for each of the winery’s proprietarily-named wines.The winery’s name is a tribute to the owners’ long-standing affiliation with cruise ships. Bob Binder is the co-founder of Oceania Cruises, a luxury cruise line which has partnered on projects with The Wine Spectator, Lalique, Bon Appétit Magazine and Ralph Lauren Home. The Culinary Director for Oceania Cruises is Jacques Pépin; the line is regarded as serving the finest cuisine at sea. The winery’s co-founder is Swiss-born Walter Jost, an accomplished advertising and media executive.Although tasting reservations are suggested, guests can ‘walk in’ and enjoy a seated tasting at the Silver Trident Tasting Home, located at 6495 Washington Street in Yountville and open seven days a week from 11:00 a.m. until 6:00 p.m.Advertisement Facebook ReddItlast_img read more

Mentoring Makes a Difference program underscores the value of mentoring

first_imgMentoring can be a formal or informal process, last a brief time for a specific issue or be a lifetime relationship, lawyers may well be both a mentor and mentee at the same time, and it’s fine, perhaps even preferable, to have several mentors.It may be one of the most important roles for lawyers, a way to pay forward the lessons and values of the profession. All those factors, and more, were covered at the April 23 CLE seminar, Mentoring Makes a Difference, sponsored by the Bar’s Standing Committee on Professionalism and the Henry Latimer Center for Professionalism.U.S. Northern District Judge Mark Walker said mentoring was an ongoing endeavor for Senior U.S. 11th Circuit Court of Appeals Judge Emmett Ripley Cox, who died in March.“While Judge Cox was a brilliant judge and left his mark on the 11th Circuit, I believe his most lasting legacy is the impact he had on the lives of his law clerks and their families,” Walker said, relating he received message after message from Cox’s former clerks after his death attesting to his influence. “Judge Cox proved mentoring definitely makes a difference.”One of those messages about Cox was simple: “I’m a better person having known him and having had the opportunity to have clerked for him.”The seminar speakers discussed ways both formal and informal that lawyers and law students can become or seek mentors, how the relationships can be cultivated, and benefits that flow both ways.Walker brought in four of his current or former clerks to talk about their experiences on both sides of the mentoring relationship, and noted, “You don’t have to be part of a formal mentoring program. Sometimes the most important mentors in our lives grow organically out of a pre-existing relationship, such as a professor.“Each of you must have had multiple mentors in your life to get where you’ve gotten. Mentoring definitely makes a difference.”Following Walker’s introductory session, the remainder of the CLE focused on practical advice and relating experiences.Blan Teagle, executive director of the Judicial Qualifications Commission, discussed setting up and running formal mentoring programs.Those projects, he said, should define the roles of its participating mentors as well as offer education and resources. They should also not be over regimented and allow room for spontaneity, and help mentors realize the importance of listening.“The process is about empathy and it’s not about you and your need to tell. It’s about the protégé,” Teagle said. “Be a guide from the side, not a sage from the stage.”Brielle Bell, an associate at Bush Ross, described the mentoring relationship as a three-part process that requires trust, compatibility, and effort.The second part, she said, is like any personal or professional relationship and means that some mentoring efforts may not work out.“In those first conversations…that small talk can make a big impact,” Bell said. “You want to determine can this person help you with whatever you want to learn….“Also, as mentors, if you are taking on the initiative to mentor someone, you should be asking yourself these same questions, whether you have the bandwidth and capacity to really making a meaningful impact in your mentee’s life.”One thing she tells her mentees is they can have as many mentors as they like, but they will also generally drive the relationship, determining how often they reach out to a mentor.“You should have a…mentor that you can reach out to for all facets of your career,” Bell said.Bell said new lawyers can be mentors advising law school aspirants with their applications or preparing for the LSAT and talk with law students about internships or the transition from law school to the practice of law.Melanie Griffin, of counsel at Schumaker and founder of Spread Your Sunshine, an organization that uses mentoring and other tools to help people believe in themselves and reach their goals, said there are different types of mentoring relationships, which can take different amounts of time and effort.“We talk a lot about the traditional mentor, which is someone who oversees your career and your journey, or at least a particular aspect of it for a longer period of time,” Griffin said. “Beyond that, you may have someone who serves as a coach for you or as a sponsor.“This coach is the one that will work with you on a very specific skill set. Maybe you want to beef up your cross examination skills, or your oral advocacy skills, your opening and closing statements.”The third type, she said, is “a sponsor. A sponsor is someone who is taking care of you when you are not in the room.”That can include someone who advocates for the mentee for an internship or other job opening, or advancement in a law firm.Griffin and the other speakers talked about the importance of mentors and mentees openly discussing the goals of the relationship, whether it will be in person, on the phone, or online, and even who will reach out to set up the ensuing meetings.Aside from the personal and professional benefits of mentoring, Griffin said there’s a business case to be made. Studies have shown that mentored managers are 88% more productive, unmentored employees are more likely to seek other work, and 95% of those mentored said it “motivates them to do their very best.”Griffin recommended participants check out two online mentoring articles, here and here.A recording of the CLE will be available on the Latimer Center’s resources page on the Bar’s website. Mentoring Makes a Difference program underscores the value of mentoring Apr 27, 2021 By Gary Blankenship Senior Editor News in Photoscenter_img ‘The process is about empathy and it’s not about you and your need to tell. It’s about the protégé. Be a guide from the side, not a sage from the stage’last_img read more