When Your Parent Moves In’ author David Horgan to speak Jan 28

first_imgThe 50-Plus & Baby Boomers EXPO seminar and workshop line-up will include ‘When Your Parent Moves In,’ presented by award- winning medical educator, filmmaker, director and author David Horgan. Based on his book ‘When Your Parent Moves In – Every Adult Child’s Guide to Living With an Aging Parent,’ Horgan will share his firsthand experience of what to do, what not to do and what can and will happen when your parents move in.According to the U.S. Census Bureau, 3.6 million parents live with their adult children and this trend continues to rise. Join Horgan to learn how to approach this time with practicality and discover how to make it work for you.  ‘I provide the necessary tools so that you can make the best decisions for your individual situation,’ Horgan says.Horgan has shared his experiences in interviews with NPR, ABC, NBC, CNN, and USA Today to name a few. He is also involved in Project-13, a non-profit program in Holyoke, Mass., which reaches inner city children through music and film production. The 50-Plus & Baby Boomers EXPO, now in its 17th year, will be held at the Sheraton Hotel & Conference Center in Burlington on Saturday, Jan. 28 from 9a.m-4p.m. In addition to seminars and workshops, the EXPO features interactive exhibits, live entertainment, silent auction, soup sampling, live game shows, Lyric Theatre Chorus and more. Horgan’s workshop is scheduled for 1:15 p.m. in the Diamond Ballroom. For more information, visit www.vermontmaturity.com/expo(link is external).last_img read more

Allies! We have allies again! Foreign leaders rush to congratulate Joe Biden and Kamala Harris

first_imgxCongratulations to US President-Elect @JoeBiden. Joe Biden has been a true friend of Greece and I’m certain that under his presidency the relationship between our countries will grow even stronger. 🇬🇷🇺🇸— Prime Minister GR (@PrimeministerGR) November 7, 2020The mayor of Paris welcomes back America,xWelcome back America ! Félicitations à @JoeBiden et @KamalaHarris pour cette élection ! Alors que nous allons célébrer les 5 ans de l’Accord de Paris, cette victoire est un beau symbole pour plus que jamais agir ensemble face à l’urgence climatique. 🇺🇸 #Election2020— Anne Hidalgo (@Anne_Hidalgo) November 7, 2020 xI want to congratulate the new President Elect of the USA @JoeBiden Joe Biden has been a true friend of this nation throughout his life and I look forward to working with him in the years ahead. I also look forward to welcoming him back home when the circumstances allow! 🇮🇪 🇺🇸— Micheál Martin (@MichealMartinTD) November 7, 2020EU Council President Donald Tusk has an almost familiar name … and a powerful message.President of France.- Advertisement – Prime Minister of Ireland.- Advertisement – So should this one from the Prime Minister of India.x x xCongratulations, @JoeBiden and @KamalaHarris. Our two countries are close friends, partners, and allies. We share a relationship that’s unique on the world stage. I’m really looking forward to working together and building on that with you both.— Justin Trudeau (@JustinTrudeau) November 7, 2020This one has to sting for … oh, you know, that guy.- Advertisement – xOn behalf of all Zimbabweans, a huge congratulations to President Elect @JoeBiden on his election victory. Zimbabwe wishes you every successes in leading the American people. I look forward to working with you to increase cooperation between our two nations.— President of Zimbabwe (@edmnangagwa) November 7, 2020The prime minister of Fiji has his eye on the most important issues, and is anxious to see the return of U.S. leadership instead of angry isolation.So does Portugal.xCongratulations to President Elect @JoeBiden. We look forward to working with the new #USA Administration to reinforce transatlantic relations and cooperate on global issues, such as climate change, defense of democracy and international security.— António Costa (@antoniocostapm) November 7, 2020Prime minister of Belgium.xCongratulations @JoeBiden with your election as 46th President of the United States.A record number of people have cast their vote in this election. This illustrates the vibrancy of the American political life and its democracy.— Alexander De Croo (@alexanderdecroo) November 7, 2020President of Italy.xCongratulations to the American people and institutions for an outstanding turnout of democratic vitality. We are ready to work with the President-elect @JoeBiden to make the transatlantic relationship stronger. The US can count on Italy as a solid Ally and a strategic partner— Giuseppe Conte (@GiuseppeConteIT) November 7, 2020Chancellor of Austria.xCongratulations to @JoeBiden, the new President-elect of the United States. Europe and the United States share a system of values – values that we stand up for together. Looking forward to our future cooperation!— Sebastian Kurz (@sebastiankurz) November 7, 2020 xMy warmest congratulations to @JoeBiden and @KamalaHarris. Looking forward to strengthening excellent US-Swedish relations and to work jointly for multilateralism, democracy and global security. Together, we can lead a green transition creating jobs for the future.— SwedishPM (@SwedishPM) November 7, 2020Ahem … President of Ukraine. Maybe Biden could make this his first overseas stop, just for fun.xCongratulations to @JoeBiden @KamalaHarris! #Ukraine is optimistic about the future of the strategic partnership with the #UnitedStates. 🇺🇦 and 🇺🇸 have always collaborated on security, trade, investment, democracy, fight against corruption. Our friendship becomes only stronger!— Володимир Зеленський (@ZelenskyyUa) November 7, 2020Of course, not every message is so welcoming. – Advertisement –last_img read more

COVID-19: Indonesian banks face challenging time but hopes remain

first_img“If the pandemic continues in the next few months, the bad loan ratio could increase because economic activities would be disrupted for a longer period of time,” he told The Jakarta Post.Such a warning was reflected in the Deposit Insurance Corporation’s (LPS) latest data showing that loan-at-risk stood at 11 percent, chairman Halim Alamsyah said during a hearing with the House of Representatives Commission XI overseeing financial matters. The figure is higher than the 10 percent rate last year.Private-owned Bank Mayapada Internasional president director Haryanto Tjahjariadi echoed the sentiment, admitting that he expected to see an increase in bad loans as the coronavirus disease hampered economic activities in all sectors.“However, we will try to maintain our NPL ratio at around the 3 to 3.5 percent this year,” he told the Post.The rise in bad loan ratio is also expected to increase pressure on banks’ profitability, even on Indonesian banks, which are considered to be some of the most profitable in the world.“Rising NPL will increase banks’ credit costs while their margins will also decrease due to the central banks’ low interest rates,” Tarzimanov said.Bank Indonesia (BI) in March cut yet another 25 basis points off of the benchmark seven-day reverse repo rate to 4.5 percent. It also lowered the deposit facility rate to 3.75 percent and lending facility rate to 5.25 percent.Read also: COVID-19 batters Indonesia’s loan growth to record lowThe lower rates are expected to transmit into lower banks’ interest rates, affecting consumer loans, corporate loans and mortgage interest rates. This will then translate to lower net interest margin (NIM), which usually determine a bank’s profitability.Senior economist Aviliani said on Friday that banks’ NIM had already decreased in the past few years due to tight competition since the digital era.Data from the Financial Services Authority (OJK) showed that banks’ NIM ratio stood at 4.91 percent in 2019, lower than the 2016 figure of 5.63 percent.Given that the OJK has allowed more relaxed restructuring among debtors amid the pandemic, Aviliani said she expected banks’ NIM would further decrease.Last month, the OJK issued a new regulation that relaxed debt quality assessment and restructuring requirements for debtors that are hit hard by the coronavirus pandemic, allowing them to assess the quality of a loan worth up to Rp 10 billion (US$637,795) based on only the debtor’s timeliness in paying the loan’s principal and interest.“I think the NIM will significantly decline from April to June as the COVID-19 pandemic continues,” she said during an online discussion.Despite the bleak outlook, she still expressed optimism that some banks could still record profits amid the less-than-favorable conditions.“Banks that don’t rely heavily on interest income as their main revenue stream and have strong fee-based income can still book a profit despite today’s conditions,” she said.Read also: Small banks could be forced to merge under new regulation, OJK saysAlthough Moody’s expects bank profitability to decrease as they needed to increase their provision, Moody’s vice president senior credit officer Alka Anbarasu also said Indonesian banks could still survive during the challenging climate as she believed they could absorb the increase in credit costs while still supporting internal capital generation.David of BCA echoed the sentiment, saying that Indonesian banks were among the strongest in the emerging market due to the high capital adequacy ratio (CAR) percentages.“Our banks’ CAR currently sits around the 23 percent level. The rise in NPL and credit costs may cause the banks’ CAR to decline, but overall it is still stronger than most other banks in the emerging market,” he said.Topics : Its vice president senior credit officer of financial institutions group, Eugene Tarzimanov, further added during a webinar on Tuesday that the disruptions were expected to increase the bad loan ratio in the region, including Indonesia, as they weakened cash flows of small and medium enterprises (SMEs) and corporates in exposed industries, such as airlines, oil and gas and global shipping.Read also: Rating agencies downgrade Indonesian companies on debt repayment concerns amid COVID-19Although Bank Central Asia (BCA) economist David Sumual said on Wednesday that he could not determine how big the rise in the non-performing loan (NPL) ratio would be this year, he admitted that the ratio could increase further if the pandemic continued.The Financial Services Authority (OJK) recorded gross NPL ratio at 2.79 percent in February, the highest level since May last year. Loan growth, meanwhile, stood at 5.93 percent in the month, reflecting the lowest expansion since November 2009, as demand plunged. The spread of COVID-19 is expected to hit Indonesian banks’ performance this year, but analysts remain hopeful that the industry will still be resilient enough to face the challenges the pandemic is bringing to the economy.Moody’s Investors Service has downgraded Indonesia’s banking industry outlook, along with 11 other countries in the Asia Pacific region, to negative from stable over concerns of rising credit costs and declining profitability as the pandemic is disrupting the global economy.“The coronavirus outbreak has weakened global demand and is increasingly disrupting domestic economic activity,” Moody’s wrote in a report published on April 2.last_img read more

Libonati: For one beat writer, watching Eric Dungey play has become cringe-worthy

first_img Published on November 6, 2016 at 11:13 pm Facebook Twitter Google+ Another video of Dungey getting hit against Pittsburgh last season is simply titled, “Eric Dungey Dead?” Pitt linebacker Nicholas Grigsby laid out Dungey with a helmet-to-helmet collision. The quarterback lay on the ground, motionless.“I took a pretty big hit, but I was good and just ready to get back out there,” Dungey said at the time. “Just had to take a second to make sure everything was working.” The last of Dungey’s prior trio of hits came against Louisville. Down 30 points, then-head coach Scott Shafer left his quarterback in despite the blowout. Scrambling downfield, another helmet-to-helmet hit knocked Dungey out of the game. A Syracuse.com story confirmed Dungey had concussions after the hits in last year’s Central Michigan and Louisville games.Six years ago, as a sophomore in high school, a fullback buried his helmet into the ear hole of my helmet. I remember lying on my back staring up at the sky as a warm feeling spread on the side of my head. I touched my finger to my ear because it felt as if blood had dripped out, though there was none there. Then, I got up and ran to the sideline. My coaches said I looked woozy, so I sat out the rest of the game.That night, my mother tried talking me out of playing football again, something I refused. Spencerport (New York) High School’s concussion protocol required a certain number of symptom-free days, too many to allow me to play in the next game. In that week, I took an ImPACT test to gauge my cognitive function after the concussion. I scored higher with the concussion than I scored on the baseline test taken in August without a concussion.Daily Orange File PhotoI came back in two weeks. At the time, I played center and called a few different checks at the line. Multiple times, I made mistakes on assignments I typically didn’t make mistakes on. During the game, I realized I probably still had lingering effects from a concussion.Bodies react differently. College players are bigger, faster and stronger. It’s hard to imagine a helmet-to-helmet hit from a borderline professional football player that left Dungey dizzy and unable to stand immediately would cause anything less than a concussion. Physics seems to lean that way.Eleven players and trainers circled around Dungey. I’m not sure what’s scarier — the scene being the biggest that’s congregated around the quarterback after an injury or that the scene has become so familiar.Familiarity has bred a greater tolerance for the violence. Fans keep expecting Dungey to get up after each hit because he hasn’t yet been unable to.But I fear a time when he can’t.Chris Libonati is an Asst. Sports Editor at The Daily Orange, where his column appears occasionally. He can be reached at [email protected] or @ChrisLibonati. Comments Eric Dungey plunging through a hole at the line of scrimmage Saturday made me ask myself, Why is he running there? Running close to the tackle box almost guaranteed Dungey would get hit, and the hole materialized between tight end Cameron MacPherson and left tackle Cody Conway.That was just before Clemson linebacker Dorian O’Daniel lowered the crown of his helmet to meet Dungey’s shoulder and subsequently his helmet. It’s not particularly anyone’s fault: The way a play materializes can’t be anticipated ahead of time. Dungey lay on the ground after the hit, hardly moving other than to bring his hands to his helmet and try to lift his head. He looked woozy as two trainers propped him up on his walk to the sideline and then to the locker room.Escaping talk about helmet-to-helmet hits has become harder. Two weeks ago, Miami Dolphins receiver Jarvis Landry launched at Buffalo Bills safety Aaron Williams, knocking him out for the season. The Bills placed Williams on injured reserve and the safety’s father said he’d have to consider his future in football, per the Associated Press. Last week, Bills receiver Brandon Tate left after this hit. Saturday, when O’Daniel decked Dungey, I recoiled. For the fourth time in Dungey’s SU career, an opponent blasted him with a high hit.The more hits I watch, the more cringe-worthy watching football becomes. There are few players more cringe-worthy to watch than Dungey. It wasn’t just hard to watch for just the Clemson game, either. It’s been difficult for two years. Every time Dungey runs, fans have to wait with bated breath. That’s not an indictment of him as a player or person — it’s simply hard to watch the violence and quantity with which he gets hit. And on a small scale, I empathize with him.Three times last year, defenders flattened Dungey. After Syracuse’s game against Central Michigan, in which defensive end Mitch Stanitzek hit Dungey after the latter had thrown the ball, the ACC made a video called “Injury Alert: Syracuse QB Eric Dungey.”AdvertisementThis is placeholder textlast_img read more