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Killexams : SUN Administrator benefits - BingNews https://killexams.com/pass4sure/exam-detail/310-043 Search results Killexams : SUN Administrator benefits - BingNews https://killexams.com/pass4sure/exam-detail/310-043 https://killexams.com/exam_list/SUN Killexams : The Biden Administration Is Making Big Waves in the Energy Sector

The Biden Administration is making big waves in the energy sector, as the White House announces a $550 million package for “community-based clean energy initiatives.” While the sum is relatively small for public investment, the intention of the Energy Efficiency and Conservation Block Program in supporting fossil fuel reduction will have a wide impact – by 2050, more than 250 million Americans will benefit from the clean energy program.

Corey Ramsden, Vice President of Go Solar Programs with Solar United Neighbors, is excited for the program, and suggests two feasible pathways for policymakers to reap maximum value for these funds.

“Hi, this is Corey from Solar United Neighbors, a national nonprofit dedicated to helping people go solar, join together, and fight for their energy rights. At Sun, we’re educating communities about the benefits of community solar, and how people can harness the power of the sun if they can’t or don’t want to, install solar panels on their home or business. Whether it’s through our free community solar education platform at cs.solarunited neighbors.org, or through the direct guidance, we provide to those interested in development projects.

We’ve got two quick ideas on how states, local, tribe, local, and tribal governments can put the $550 million to big use. First, identify good sites to host community solar arrays. Finding the right sites that are both a good fit for solar and a good fit for the community is time-consuming for solar developers.

Local jurisdictions can speed up this process by working with their communities ahead of time to maintain a list of properties that are eligible and interested in hosting a community solar array.

Second, in markets where community solar is available since it’s not available everywhere yet, state governments should publish and maintain simple lists of where consumers can sign up for community solar projects in their area.”

Thu, 08 Dec 2022 09:52:00 -0600 en-US text/html https://marketscale.com/industries/energy/the-biden-administration-is-making-big-waves-in-the-energy-sector/
Killexams : Benefits Administration Service Market : Competitive Landscape and Analysis by latest Trends 2022 to 2028

The MarketWatch News Department was not involved in the creation of this content.

Dec 05, 2022 (The Expresswire) -- Final Report will add the analysis of the impact of Russia-Ukraine War and COVID-19 on this industry.

"Benefits Administration Service Market" Insights 2022 - By Applications (Large Enterprises, SMEs), By Types (Online Service, Offline Service), By Segmentation analysis, Regions and Forecast to 2028. The Global Benefits Administration Service market Report provides In-depth analysis on the market status of the Benefits Administration Service Top manufacturers with best facts and figures, meaning, Definition, SWOT analysis, PESTAL analysis, expert opinions and the latest developments across the globe., the Benefits Administration Service Market Report contains Full TOC, Tables and Figures, and Chart with Key Analysis, Pre and Post COVID-19 Market Outbreak Impact Analysis and Situation by Regions.

Benefits Administration Service Market Size is projected to Reach Multimillion USD by 2028, In comparison to 2021, at unexpected CAGR during the forecast Period 2022-2028.

Browse Detailed TOC, Tables and Figures with Charts that provides exclusive data, information, vital statistics, trends, and competitive landscape details in this niche sector.

Considering the economic change due to COVID-19 and Russia-Ukraine War Influence, Benefits Administration Service, which accounted for % of the global market of Benefits Administration Service in 2021


Moreover, it helps new businesses perform a positive assessment of their business plans because it covers a range of subjects market participants must be aware of to remain competitive.

Benefits Administration Service Market Report identifies various key players in the market and sheds light on their strategies and collaborations to combat competition. The comprehensive report provides a two-dimensional picture of the market. By knowing the global revenue of manufacturers, the global price of manufacturers, and the production by manufacturers during the forecast period of 2022 to 2028, the reader can identify the footprints of manufacturers in the Benefits Administration Service industry.

Get a trial PDF of report -https://www.360researchreports.com/enquiry/request-sample/19708256

Benefits Administration Service Market - Competitive and Segmentation Analysis:

Benefits Administration Service Market Reportproviding an overview of successful marketing strategies, market contributions, and latest developments of leading companies, the report also offers a dashboard overview of leading companies' past and present performance. Several methodologies and analyses are used in the research report to provide in-depth and accurate information about the Benefits Administration Service Market.

The Major players covered in the Benefits Administration Service market report are:

● Lumity
● Sequoia
● Insperity
● WageWorks
● Benefit Resource
● Marsh and McLennan Companies
● Sun Life Assurance Company of Canada
● UNUM Group
● Aon Hewitt
● Arthur J. Gallagher and Co.
● BenefitHub
● Bright Horizons Family Solutions, LLC
● Alere
● Trupp HR
● AlphaStaff
● AmeriHealth Administrators
● Employee Benefits Administration Services
● Genpact
● Gradifi
● Infinisource Benefit Services
● PayFlex
● Prestige Employee Administrators
● SmartHR
● Tandem
● Morgan Stanley Smith Barney LLC

Short Description About Benefits Administration Service Market:

The Global Benefits Administration Service market is anticipated to rise at a considerable rate during the forecast period, between 2022 and 2028. In 2021, the market is growing at a steady rate and with the rising adoption of strategies by key players, the market is expected to rise over the projected horizon.


The global Benefits Administration Service market is projected to reach USD million by 2028 from an estimated USD million in 2022, at a CAGR of % during 2023 and 2028.

North American market for Benefits Administration Service is estimated to increase from USD million in 2022 to reach USD million by 2028, at a CAGR of % during the forecast period of 2023 through 2028.

Asia-Pacific market for Benefits Administration Service is estimated to increase from USD million in 2022 to reach USD million by 2028, at a CAGR of % during the forecast period of 2022 through 2028.

The major global companies of Benefits Administration Service include Lumity, Sequoia, Insperity, WageWorks, ADP, WEX, Benefit Resource, Marsh and McLennan Companies, Sun Life Assurance Company of Canada, UNUM Group, Aon Hewitt, Arthur J. Gallagher and Co., BenefitHub, Bright Horizons Family Solutions, LLC, Alere, Trupp HR, ALLIANT INSURANCE SERVICES, AlphaStaff, AmeriHealth Administrators, Employee Benefits Administration Services, Genpact, Gradifi, Infinisource Benefit Services, PayFlex, Prestige Employee Administrators, SmartHR, Tandem, Morgan Stanley Smith Barney LLC, TRI-ADetc. In 2021, the world's top three vendors accounted for approximately % of the revenue.

The global market for Benefits Administration Service is estimated to increase from USD million in 2022 to USD million by 2028, at a CAGR of % during the forecast period of 2022 through 2028.

Report Scope

This report aims to provide a comprehensive presentation of the global market for Benefits Administration Service, with both quantitative and qualitative analysis, to help readers develop business/growth strategies, assess the market competitive situation, analyze their position in the current marketplace, and make informed business decisions regarding Benefits Administration Service.

The Benefits Administration Service market size, estimations, and forecasts are provided in terms of output/shipments (K PCs) and revenue (USD millions), considering 2021 as the base year, with history and forecast data for the period from 2017 to 2028. This report segments the global Benefits Administration Service market comprehensively. Regional market sizes, concerning products by types, by application, and by players, are also provided. The influence of COVID-19 and the Russia-Ukraine War were considered while estimating market sizes.

For a more in-depth understanding of the market, the report provides profiles of the competitive landscape, key competitors, and their respective market ranks. The report also discusses technological trends and new product developments.

The report will help the Benefits Administration Service manufacturers, new entrants, and industry chain related companies in this market with information on the revenues, production, and average price for the overall market and the sub-segments across the different segments, by company, product type, application, and regions.

Get a trial Copy of the Benefits Administration Service Report 2022

Benefits Administration Service Market is further classified on the basis of region as follows:

● North America (United States, Canada and Mexico) ● Europe (Germany, UK, France, Italy, Russia and Turkey etc.) ● Asia-Pacific (China, Japan, Korea, India, Australia, Indonesia, Thailand, Philippines, Malaysia and Vietnam) ● South America (Brazil, Argentina, Columbia etc.) ● Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)

This Benefits Administration Service Market Research/Analysis Report Contains Answers to your following Questions

● What are the global trends in the Benefits Administration Service market? Would the market witness an increase or decline in the demand in the coming years? ● What is the estimated demand for different types of products in Benefits Administration Service? What are the upcoming industry applications and trends for Benefits Administration Service market? ● What Are Projections of Global Benefits Administration Service Industry Considering Capacity, Production and Production Value? What Will Be the Estimation of Cost and Profit? What Will Be Market Share, Supply and Consumption? What about Import and Export? ● Where will the strategic developments take the industry in the mid to long-term? ● What are the factors contributing to the final price of Benefits Administration Service? What are the raw materials used for Benefits Administration Service manufacturing? ● How big is the opportunity for the Benefits Administration Service market? How will the increasing adoption of Benefits Administration Service for mining impact the growth rate of the overall market? ● How much is the global Benefits Administration Service market worth? What was the value of the market In 2020? ● Who are the major players operating in the Benefits Administration Service market? Which companies are the front runners? ● Which are the latest industry trends that can be implemented to generate additional revenue streams? ● What Should Be Entry Strategies, Countermeasures to Economic Impact, and Marketing Channels for Benefits Administration Service Industry?

Customization of the Report

Our research analysts will help you to get customized details for your report, which can be modified in terms of a specific region, application or any statistical details. In addition, we are always willing to comply with the study, which triangulated with your own data to make the market research more comprehensive in your perspective.

Inquire more and share questions if any before the purchase on this report at -https://www.360researchreports.com/enquiry/pre-order-enquiry/19708256

Detailed TOC of Global Benefits Administration Service Market Insights and Forecast to 2028

1 Benefits Administration Service Market Overview
1.1 Product Overview and Scope of Benefits Administration Service
1.2 Benefits Administration Service Segment by Type
1.2.1 Global Benefits Administration Service Market Size Growth Rate Analysis by Type 2022 VS 2028
1.3 Benefits Administration Service Segment by Application
1.3.1 Global Benefits Administration Service Consumption Comparison by Application: 2022 VS 2028
1.4 Global Market Growth Prospects
1.4.1 Global Benefits Administration Service Revenue Estimates and Forecasts (2017-2028)
1.4.2 Global Benefits Administration Service Production Estimates and Forecasts (2017-2028)
1.5 Global Market Size by Region
1.5.1 Global Benefits Administration Service Market Size Estimates and Forecasts by Region: 2017 VS 2021 VS 2028
1.5.2 North America Benefits Administration Service Estimates and Forecasts (2017-2028)
1.5.3 Europe Benefits Administration Service Estimates and Forecasts (2017-2028)
1.5.4 China Benefits Administration Service Estimates and Forecasts (2017-2028)
1.5.5 Japan Benefits Administration Service Estimates and Forecasts (2017-2028)
1.5.6 South Korea Benefits Administration Service Estimates and Forecasts (2017-2028)

2 Market Competition by Manufacturers
2.1 Global Benefits Administration Service Production Market Share by Manufacturers (2017-2022)
2.2 Global Benefits Administration Service Revenue Market Share by Manufacturers (2017-2022)
2.3 Benefits Administration Service Market Share by Company Type (Tier 1, Tier 2 and Tier 3)
2.4 Global Benefits Administration Service Average Price by Manufacturers (2017-2022)
2.5 Manufacturers Benefits Administration Service Production Sites, Area Served, Product Types
2.6 Benefits Administration Service Market Competitive Situation and Trends
2.6.1 Benefits Administration Service Market Concentration Rate
2.6.2 Global 5 and 10 Largest Benefits Administration Service Players Market Share by Revenue
2.6.3 Mergers and Acquisitions, Expansion

3 Production by Region
3.1 Global Production of Benefits Administration Service Market Share by Region (2017-2022)
3.2 Global Benefits Administration Service Revenue Market Share by Region (2017-2022)
3.3 Global Benefits Administration Service Production, Revenue, Price and Gross Margin (2017-2022)
3.4 North America Benefits Administration Service Production
3.4.1 North America Benefits Administration Service Production Growth Rate (2017-2022)
3.4.2 North America Benefits Administration Service Production, Revenue, Price and Gross Margin (2017-2022)
3.5 Europe Benefits Administration Service Production
3.5.1 Europe Benefits Administration Service Production Growth Rate (2017-2022)
3.5.2 Europe Benefits Administration Service Production, Revenue, Price and Gross Margin (2017-2022)
3.6 China Benefits Administration Service Production
3.6.1 China Benefits Administration Service Production Growth Rate (2017-2022)
3.6.2 China Benefits Administration Service Production, Revenue, Price and Gross Margin (2017-2022)
3.7 Japan Benefits Administration Service Production
3.7.1 Japan Benefits Administration Service Production Growth Rate (2017-2022)
3.7.2 Japan Benefits Administration Service Production, Revenue, Price and Gross Margin (2017-2022)
3.8 South Korea Benefits Administration Service Production
3.8.1 South Korea Benefits Administration Service Production Growth Rate (2017-2022)
3.8.2 South Korea Benefits Administration Service Production, Revenue, Price and Gross Margin (2017-2022)

4 Global Benefits Administration Service Consumption by Region
4.1 Global Benefits Administration Service Consumption by Region
4.1.1 Global Benefits Administration Service Consumption by Region
4.1.2 Global Benefits Administration Service Consumption Market Share by Region
4.2 North America
4.2.1 North America Benefits Administration Service Consumption by Country
4.2.2 United States
4.2.3 Canada
4.3 Europe
4.3.1 Europe Benefits Administration Service Consumption by Country
4.3.2 Germany
4.3.3 France
4.3.4 U.K.
4.3.5 Italy
4.3.6 Russia
4.4 Asia Pacific
4.4.1 Asia Pacific Benefits Administration Service Consumption by Region
4.4.2 China
4.4.3 Japan
4.4.4 South Korea
4.4.5 China Taiwan
4.4.6 Southeast Asia
4.4.7 India
4.4.8 Australia
4.5 Latin America
4.5.1 Latin America Benefits Administration Service Consumption by Country
4.5.2 Mexico
4.5.3 Brazil

5 Segment by Type
5.1 Global Benefits Administration Service Production Market Share by Type (2017-2022)
5.2 Global Benefits Administration Service Revenue Market Share by Type (2017-2022)
5.3 Global Benefits Administration Service Price by Type (2017-2022)

6 Segment by Application
6.1 Global Benefits Administration Service Production Market Share by Application (2017-2022)
6.2 Global Benefits Administration Service Revenue Market Share by Application (2017-2022)
6.3 Global Benefits Administration Service Price by Application (2017-2022)

7 Key Companies Profiled
7.1 Company 1
7.1.1 Company 1 Benefits Administration Service Corporation Information
7.1.2 Company 1 Benefits Administration Service Product Portfolio
7.1.3 Company 1 Benefits Administration Service Production, Revenue, Price and Gross Margin (2017-2022)
7.1.4 Company 1 Main Business and Markets Served
7.1.5 Company 1 latest Developments/Updates


8 Benefits Administration Service Manufacturing Cost Analysis
8.1 Benefits Administration Service Key Raw Materials Analysis
8.1.1 Key Raw Materials
8.1.2 Key Suppliers of Raw Materials
8.2 Proportion of Manufacturing Cost Structure
8.3 Manufacturing Process Analysis of Benefits Administration Service
8.4 Benefits Administration Service Industrial Chain Analysis

9 Marketing Channel, Distributors and Customers
9.1 Marketing Channel
9.2 Benefits Administration Service Distributors List
9.3 Benefits Administration Service Customers

10 Market Dynamics
10.1 Benefits Administration Service Industry Trends
10.2 Benefits Administration Service Market Drivers
10.3 Benefits Administration Service Market Challenges
10.4 Benefits Administration Service Market Restraints

11 Production and Supply Forecast
11.1 Global Forecasted Production of Benefits Administration Service by Region (2023-2028)
11.2 North America Benefits Administration Service Production, Revenue Forecast (2023-2028)
11.3 Europe Benefits Administration Service Production, Revenue Forecast (2023-2028)
11.4 China Benefits Administration Service Production, Revenue Forecast (2023-2028)
11.5 Japan Benefits Administration Service Production, Revenue Forecast (2023-2028)
11.6 South Korea Benefits Administration Service Production, Revenue Forecast (2023-2028)

12 Consumption and Demand Forecast
12.1 Global Forecasted Demand Analysis of Benefits Administration Service
12.2 North America Forecasted Consumption of Benefits Administration Service by Country
12.3 Europe Market Forecasted Consumption of Benefits Administration Service by Country
12.4 Asia Pacific Market Forecasted Consumption of Benefits Administration Service by Region
12.5 Latin America Forecasted Consumption of Benefits Administration Service by Country

13 Forecast by Type and by Application (2023-2028)
13.1 Global Production, Revenue and Price Forecast by Type (2023-2028)
13.1.1 Global Forecasted Production of Benefits Administration Service by Type (2023-2028)
13.1.2 Global Forecasted Revenue of Benefits Administration Service by Type (2023-2028)
13.1.3 Global Forecasted Price of Benefits Administration Service by Type (2023-2028)
13.2 Global Forecasted Consumption of Benefits Administration Service by Application (2023-2028)
13.2.1 Global Forecasted Production of Benefits Administration Service by Application (2023-2028)
13.2.2 Global Forecasted Revenue of Benefits Administration Service by Application (2023-2028)
13.2.3 Global Forecasted Price of Benefits Administration Service by Application (2023-2028)

14 Research Finding and Conclusion

15 Methodology and Data Source
15.1 Methodology/Research Approach
15.1.1 Research Programs/Design
15.1.2 Market Size Estimation
15.1.3 Market Breakdown and Data Triangulation
15.2 Data Source
15.2.1 Secondary Sources
15.2.2 Primary Sources
15.3 Author List
15.4 Disclaimer

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To view the original version on The Express Wire visit Benefits Administration Service Market : Competitive Landscape and Analysis by latest Trends 2022 to 2028


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Mon, 05 Dec 2022 11:07:00 -0600 en-US text/html https://www.marketwatch.com/press-release/benefits-administration-service-market-competitive-landscape-and-analysis-by-recent-trends-2022-to-2028-2022-12-05
Killexams : 7 Mistakes You're Making That Are Increasing Your Heating Bill, Experts Say

For those who live in colder climates, your home's heating system is an absolute necessity. After all, it can help you brave chilly temperatures and blustery weather all winter long. But this year, cold snaps could also put your bank account on ice: According to the Energy Information Administration, heating costs for homes that use natural gas are expected to rise $200 on average, electric heating could jump $123, and heating oil could skyrocket by $1,200, CNN reports. If you're looking to save money this winter, there are a few things you'll want to avoid around the house. Read on to see the mistakes you could be making that are increasing your heating bills, according to experts.

READ THIS NEXT: 10 Mistakes You're Making That Keep Your House Cold, Experts Say.


You're blocking out too much natural light.

The sun that shines during the short days of winter may not make it feel anywhere near as warm as it gets in other seasons. But experts say even those precious few rays that pour into your home can take some of the load off your heating system—which translates directly into savings.

"You may not realize it, but if you have a house that gets filled with sun during the winter months, you would be able to benefit from the concept of solar gain," says Ryan Meagher of residential construction company BVM Contracting.

"In simple terms, the more sun you can let into your home, the warmer your home will get without having to rely on your heating source. So open up those curtains and make sure you let as much light in as you can to reduce your overall heating bills!"


You're not keeping up with a critical part of furnace maintenance.

Your home heating system would be nothing without its primary power source: Just ask anyone who's suffered a furnace breakdown in the dead of winter. But experts warn that you could be racking up some seriously high energy costs if you're not performing the most basic maintenance on this essential appliance.

"One of the most common mistakes people make when it comes to their heating bills is not changing the furnace filter regularly," says Shaun Martin, owner and CEO of Denver-based The Home Buying Company. "It's important to replace your furnace filter every three months, or as recommended by the manufacturer, in order to keep your heater running efficiently. A clogged filter can restrict airflow and cause your furnace to work harder, leading to a higher energy bill."

READ THIS NEXT: The First Things Guests Notice When They Come Into Your Home, Experts Say.


You're using the wrong kind of thermostat.

Whether you're working with a fixer-upper or renting a unit that leaves a little to be desired in the heating department, it's not always easy to devise a setup that keeps you warm. But if you're looking to save money, experts say it can be best to get everything working on the same finely-tuned system to prevent waste.

"The more heating appliances you use and the manner and the longer you use them can spike your energy bills," says Robert Johnson, marketing director for Coast Appliances.

"For instance, not using a programmable thermostat or a thermostat that lacks correct calibration can turn on the electric heater at unnecessary times," he explains. "This significantly increases your electricity expenditure because the thermostat overcompensates and consumes more energy than you need."


You're burning heat when you're not around.

When the first sign of cold weather hits, it can be easy to play "set it and forget it" with your home's thermostat for months. But while your houseplants might appreciate the balmy temperatures, experts warn that running the heat too high when you're not around is one of the easiest ways to waste serious money.

"No matter the type of thermostat you have—whether it is smart, programmable, or prehistoric—you would benefit from lowering the temperature of your home while you are away for prolonged periods of time, such as during your work day, weekend getaway, or longer vacation," says Meagher. "As long as you keep your house above freezing, you should be fine, but it would be recommended to keep the temperature above 60 degrees for good measure."

In this case, upgrading your current heating setup might be worthwhile. "If you have a smart thermostat, you can change your home's temperature setpoint remotely and can create schedules for lowering the setpoint while you are away from home or asleep. The overall goal is to get the average temperature down, so your home's heating source is doing less work and inevitably using less energy," Meagher says.

And what about when you're home during the day? Martin suggests avoiding the temptation to set the temperature sky high, saying, "Make sure to set your thermostat no higher than 68 degrees during the winter months to get the most out of your heating system."

For more home advice delivered straight to your inbox, sign up for our daily newsletter.


Your water heater is running too hot.

It can be easy to forget that energy costs aren't just tied to heating your rooms. Your home's water heater is also struggling to keep a considerable amount of liquid at high temperatures, making it an equally costly appliance to run during winter. Experts say staying on top of them ultimately can save you big money.

"Setting the water heater temperature too high, or 120 degrees Fahrenheit and above, is another mistake many people make," warns Johnson. "It can cause standby heat losses or heat loss into the surrounding basement area, equivalent to $30 to $60 per year."


Your entryways are letting in a draft.

A gust of freezing air from an open door can often be one of the fastest ways to drop your home's temperature in the winter. But if you're not staying on top of some basic home repairs, they could be providing a constant draft even when they're closed which will keep your heaters working overtime and wind up costing you more.

"If you can feel cold air coming through your doorway during the cold winter months, chances are you need to replace the weather stripping," says Meagher. "This is an easy DIY job that many homeowners would be able to complete—just make a trip to your nearest hardware store with pictures of your existing weather stripping, and they will be able to help you out! And it's one of the easiest and fastest ways to help you reduce your heating bills by preventing the warm air from escaping from your home."

READ THIS NEXT: 10 Kitchen Upgrades That Will Make You Feel Like You're in a Nancy Meyers Movie.


You're letting certain areas of your home get too cold.

Unfortunately, it's not just your doorways that can let in the outside air. Even though you may not spend much time in them, experts warn that the top and bottom floors of your home can make it more likely for your home to get chilly despite your heating system's best efforts—including where you park your car.

"If your attic, crawlspace, or garage isn't properly insulated, your heating system has to work harder to keep the home at a consistent temperature," Brian and Mika Kleinschmidt, stars of HGTV's 100 Day Dream Home and partners with American Standard Heating and Air Conditioning, tell Best Life. "Basically, the harder your HVAC system works, the more it costs you. If you live in a colder climate where temperatures can go below 32 degrees Fahrenheit, we recommend adding an extra layer of insulation to your garage door, as it can make a big difference in improving your home's envelope and keeping the warm air [in] while keeping the cold air out."

Fri, 09 Dec 2022 00:33:00 -0600 en-US text/html https://www.yahoo.com/lifestyle/7-mistakes-youre-making-increasing-143326835.html
Killexams : Think You Can't Grow Your Social Security Benefits Beyond Age 70? Think Again.

When it comes to signing up for Social Security, you get choices. The earliest age to start collecting benefits is age 62. But if you file for Social Security at that age, you'll slash your monthly benefit for life.

In fact, you're not entitled to your full monthly Social Security benefit on your personal wage history until full retirement age (FRA) arrives. That age is either 66, 67, or 66 and a certain number of months, depending on the year in which you were born.

The Social Security Administration (SSA) will also reward you if you choose to delay your filing past FRA. For each month you do, you'll receive delayed retirement credits that amount to 8% per year.

Image source: Getty Images.

Once you turn 70, however, you can't build up those credits any longer. So 70 is generally referred to as the latest age at which to claim Social Security, even though you're not required to do so.

People are also reading…

But while it's true that you can't accrue delayed retirement credits beyond age 70, that doesn't mean the monthly benefit you lock in at age 70 is the benefit you're stuck with for life. There's still one move you can make that could result in a higher monthly benefit down the line.

Working later in life has its benefits

These days, many Americans are living and working longer -- partly because they can, and partly for the financial benefits. If you're still working at age 70, it pays to claim Social Security, regardless of what your paycheck looks like, since there's no financial sense in delaying your filing any longer. But if you keep working into your 70s and earn a nice wage, you might boost your Social Security benefit by virtue of your higher earnings.

The SSA takes your 35 highest-paid years of wages into account when calculating the monthly Social Security benefit you're entitled to. Meanwhile, if you file for benefits at age 70 but keep working, the SSA will review your earnings each year to see if latest wages render you eligible for a higher monthly benefit. If so, your benefit will be bumped up.

Let's say you're 70 years old earning $100,000 a year. If you continue earning that salary for the next five years before retiring, you might replace five years of wages in the $50,000 range with that six-figure income in your personal Social Security benefits calculation.

A great position to be in

Some people are forced into early retirement due to factors like job loss and health issues. If you have the option to keep working into your 70s, doing so could have many positive financial results. Not only might working longer allow you to boost and preserve your nest egg, but it could also be your ticket to getting more money from Social Security on a monthly basis -- for the rest of your life.

Plus, working longer could have physical and social benefits, too. All told, if you're able to keep plugging away at a job well into your 70s, it's an option worth considering.

The $18,984 Social Security bonus most retirees completely overlook

If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security secrets" could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $18,984 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Simply click here to discover how to learn more about these strategies.

The Motley Fool has a disclosure policy.

Wed, 07 Dec 2022 20:02:00 -0600 en text/html https://azdailysun.com/business/investment/personal-finance/think-you-cant-grow-your-social-security-benefits-beyond-age-70-think-again/article_071051e5-5f91-57be-889d-0549e50db2ae.html
Killexams : Your Social Security Benefit Is Already Being Cut -- Here's How

For the nearly 165 million people in today's U.S. labor force, Social Security will almost certainly play a key role during their retirement.

Over the past 20 years, national pollster Gallup has surveyed retirees to determine how many are reliant on their Social Security income to make ends meet. With the exception of the very first year of the survey, between 84% and 90% of retirees have consistently responded that Social Security accounts for a "major" or "minor" part of their needed income. In other words, very few seniors would be OK financially without a little help from America's top retirement program.

The only problem is that Social Security benefits are being cut before your eyes, whether you realize it or not.

People are also reading…

Image source: Getty Images.

Social Security is in a $20 trillion hole that keeps getting deeper

Since Social Security began regular retired worker payouts in 1940, the Social Security Board of Trustees has released a thorough annual report detailing the program's outlook over what it defines as the short term (10 years) and long term (75 years). The Trustees take economic changes, demographic shifts, and even fiscal policy into account when updating the outlook for Social Security.

For the past 38 years, the Trustees Report has warned that long-term revenue wouldn't cover the existing payout schedule, including annual cost-of-living adjustments (COLAs). The amount of the expected long-term cash shortfall has grown steadily.

As of the 2022 Board of Trustees Report, Social Security was facing an estimated cash shortfall of $20.4 trillion through 2096. Based on the most likely forecast put forth by the Trustees, the Old-Age and Survivors Trust (OASI) -- the Trust responsible for paying more than 48 million retired workers their benefits each month -- may need to slash benefits by 23% in 2034 in order to maintain payouts through 2096 without any further cuts.

Retirees could be just 12 years away from a sizable Social Security benefit cut unless lawmakers in Congress get their act together.

Unfortunately, due to the design of Social Security and its needed revenue streams, we're already dealing with two types of benefit cuts.

Social Security's cost-of-living adjustment (COLA) misses the mark

To begin with, Social Security's measure of inflation, the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), isn't doing its job as intended.

In an ideal world, when the prices of goods and services that seniors buy move higher, their monthly benefit would climb by a commensurate amount so they don't lose any purchasing power. But this has been far from the case in the real world.

As the CPI-W's full name implies, it's an index that tracks the spending habits of "urban wage earners and clerical workers." These folks typically aren't seniors and/or don't receive a Social Security benefit. More importantly, they spend their money differently than seniors. This results in the CPI-W allotting higher weightings to spending categories that don't matter as much to seniors (like education and apparel), while assigning lower weightings to crucial spending categories for seniors (like shelter and medical care). Ultimately, Social Security COLAs are missing the mark.

Based on a report issued in May by nonpartisan senior advocacy group The Senior Citizens League, the purchasing power of Social Security income has plummeted by 40% since 2000. What $100 in Social Security benefits could buy in 2000 can now only purchase $60 worth of those same goods and services.

As long as the CPI-W remains as Social Security's inflationary tether, this loss of purchasing power is likely to persist and shortchange retirees.

Image source: Getty Images.

The taxation of benefits is a necessary evil that's reducing take-home benefits for millions

However, a poorly designed cost-of-living adjustment isn't the only way seniors are getting the short end of the stick from Social Security. The taxation of benefits is also reducing what a substantial number of retired workers get to keep.

In 1983, with Social Security's asset reserves running on fumes, Democrats and Republicans came together and passed the last sweeping overhaul of the program. The Social Security Amendments of 1983 contained core proposals from both parties, including a gradual lift to the payroll tax rate, an increase to the full retirement age that would take place over nearly four decades, and the creation of the taxation of benefits to raise additional revenue.

When implemented in 1984, up to half of a recipient's Social Security benefits would be taxable if their modified adjusted gross income (MAGI) plus one-half of benefits surpassed $25,000 ($32,000 for a couple filing jointly). In 1993, the Clinton administration introduced a second tier of taxation that allowed up to 85% of benefits to be taxed at the federal rate if the same MAGI plus one-half of benefits formula surpassed $34,000 for a single filer or $44,000 for couples filing jointly.

Here's the kicker: The income thresholds associated with the taxation of benefits have never been adjusted for inflation. As COLAs have pushed monthly payouts higher over time, more and more retirees are becoming subjected to the taxation of benefits.

Although seniors overwhelmingly dislike the taxation of benefits, the revenue generated from taxing Social Security income is necessary to avoid further increasing the program's already jaw-dropping $20.4 trillion deficit. In other words, it's not going away anytime soon.

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Wed, 30 Nov 2022 19:48:00 -0600 en text/html https://azdailysun.com/business/investment/personal-finance/your-social-security-benefit-is-already-being-cut----heres-how/article_14f25ef3-c520-59bf-954c-d970b76bac29.html
Killexams : No ‘fairy godmother,’ Ms. Sun Spots celebrates 50 years of advice, support and community connections

By Sun Journal

Welcome to Sun Spots Land, a 50-year-long lively conversation with the community that is not only still relevant, but thriving.

From Day 1, the Sun Journal’s daily column — Sun Spots —has been a place where readers could ask a question, share a recipe, help a fellow reader in need and learn more about our communities. For many, it became the first place to go to save time, and where you could turn when everything else you tried had failed.

Now 50 years later, the forerunner to what is best about today’s social media — but always curated, upbeat and on point — is still connecting neighbors, answering questions and filling needs. Join me today, Ms. Sun Spots, as we tour Sun Spots Land.

The story begins like this: In 1972, Sun Journal Managing Editor A. Kent Foster had an idea and decided to throw it against the wall to see if it would stick. The “advice column” named “Sun Spots” was born.

The earliest Sun Spots column found in the archives was published on Thursday, Dec. 7, 1972. It included a question from “Upset in Lewiston” who wondered what she did wrong when she dyed her husband’s white shirts to “look more like today’s colors” and they came out streaked. (Mrs. Sun Spots suggested the shirts were made with a blended fabric, with the cotton and manmade fibers absorbing the dye differently.)

Mary Ann Norcross of Auburn displays just a few handfuls of the many pop tops she’s been able to collect over the years thanks, in part, to the Sun Spots column. She collects them as part of her support for the Ronald McDonald House. Russ Dillingham/Sun Journal

From then on, the column was published a couple times a week before it hit the big time and was offered six days a week.

Five decades and several Mrs. (now Ms.) Sun Spots later, here I am, five years into communing with readers (who I refer to as Sun Spotters) every Monday through Friday, including holidays. So of course, I want to encourage you to celebrate Sun Spots’ 50th birthday! Woohoo!

After all, I couldn’t do this without you. We created Sun Spots Land together. You ask the questions, and you also help me find the answers. We share our collective knowledge on everything from how to make a remedy for brown tail caterpillar rash to where to find a raisin pie like Mom used to make.

And it’s you who generously offer up free stuff like pianos and books, let us know what’s happening where you volunteer, and sound the alarm when you’ve lost something or found something. Like this:

Dear Sun Spots: I lost my sterling silver ring at the Auburn Goodwill Store. It’s a size 5 and has a large cut-glass stone. I have left my name and number at the store and have also called the local pawn shops and jewelry purchasers. I pray my ring is returned to me. . . . —Jennifer, Norway

And, days later, this:

Dear Sun Spots: You’ve done it again. My letter to Sun Spots was seen by a wonderful lady. She called and had found a ring outside one of the stores I had been in. Sure enough, it was mine. She even brought it to my home last Thursday. I cannot thank Sun Spots and this lovely lady enough. Keep up the good work you do!” — Jennifer, Norway

That wasn’t the first time Sun Spots helped in finding a precious possession and it won’t be the last.

Sometimes, finding things for readers takes a different form. We’ll never forget the gentleman in his 80s who appealed to Sun Spots for a sturdy egg beater so his wife could keep making popovers. Sun Spotters were all over that one, with suggestions on where to buy new beaters and offers of used ones.

And then there’s finding solutions to problems, such as when readers shared their collective advice to a mom whose 8-year-old son had really stinky feet.

That’s how things work in Sun Spots Land. We share in so many ways, and by doing so, we make our own sunshine even on the dreariest, meanest of Maine days.

Believe it. You, dear readers, are what make Sun Spots so special. Whether you intend to or not, when you write to Sun Spots, you step into a proactive community of people who can and will help you.

Need a ride to the airport, a dunk tank for a fund-raiser, a marching band, volunteers to place flags at the veterans’ cemetery, a recommendation for a massage therapist or a chimney sweep, a zipper replacement, a lamp repair? You know what to do.

Readers have even suggested ideas that resulted in Sun Spots spin-offs, including a cookbook filled with Sun Spots recipes, a book of household hints, and most recently a companion column on money-saving tips.


Being Ms. Sun Spots means I get to be a detective and enjoy the thrill of the chase, a career I will choose in my next life. I must pay attention to the little things. I also embrace being empathetic, curious, having a sense of humor, and, oh yes, I even need to be fearless.

Being Ms. Sun Spots also involves magical thinking.

To be clear, I’m not “imaginary,” as one young reader thinks I am.

I’m not a “fairy godmother” as “Loyal Reader” once wrote.

I do not have “a research department” (ha-ha).

Nope, I’m not “the Sun Spots administrator.”

And I’m not an internet robot poised to entangle you in my web.

This very special necklace was lost by a Sun Journal reader a couple years ago. Sun Spots ran an item about her plight and another Sun Spots reader found the necklace and brought it to the Sun Journal office to be returned. It’s one of many lost items reunited with their owners over the years thanks to the column and helpful readers. Submitted photo

I’m simply Ms. Sun Spots, taking my turn with the infamous Rolodex as I reflect the energy emanating from my readers. I serve as a connector to everyone who partakes of the column, which reaches beyond L-A, western Maine and even New England. Letters have come in from London, Ireland, Germany, New Brunswick, Virginia, California, Arizona, the Carolinas, Florida, and more.

You, my dears, have put Sun Spots Land on the map.

To deal with reader questions, I often rely on my ever-expanding help line that includes city managers and clerks, the Department of Environmental Protection, store and restaurant owners, teachers, librarians, nonprofit organizations, professors, tax preparers, sheriffs, SeniorsPlus and, of course, my readers.

It often goes like this:

“Brrring, briiiiing.”


“Good day — this is Sun Spots from the Sun Journal! I need your help.”

Very often, no other explanation is needed. The voice on the other end of the line brightens. I ask my questions, get my answers, then sometimes chat it up a while. It’s downright delightful.

Sometimes a reader question opens a big, juicy can of worms that’s too big to hold in a Sun Spots column. So off it goes to a Sun Journal staff writer or freelancer, as was the case back in July 2018 when this letter arrived in the Sun Spots inbox:

Dear Sun Spots: My aunt, Dolena McIntyre, was a regular singer/entertainer on the radio station WCOU during the 1940s. . . . I think her stage name was Roselle Coury. Does anyone remember her or have any more information? Also, please let me know if there are any recordings.” — Jimmy, no town

I found that Dolena and Roselle weren’t the same person, but this inquiry led to an award-winning feature story in which Ms. Sun Spots’ brief answer was expanded upon by a freelance writer for the Sun Journal.

Remembering Roselle Coury” was published on Oct. 28, 2018, just three days after what would have been “Maine’s first lady broadcaster’s” 100th birthday. After the story was published, Sun Spots letters poured in from family members and others who knew Roselle, including local radio celebrity Connie Cote.

Another question that led me down quite a rabbit trail was when loyal reader Heidi inquired as to where her antique handmade dolls could be donated. I found the Historic Hazel & Owen Currier Doll Museum in Fryeburg. Because the museum already housed Hazel’s TEN THOUSAND dolls, it couldn’t take in any more, but I found another home for Heidi’s collection through a museum volunteer’s contacts.


Very often, your letters strike a chord with me. I’ve laughed a lot, been frustrated at times, and even shed a tear or two. And sometimes your letters have evoked a special memory of mine that I can’t help but share.

I admit I have my favorites.

For many years, Heidi sent Sun Spots beautifully handwritten letters that always brought joy to my day:

“Dear Sun Spots: When I came home today, someone had surprised me with a pretty blue vase with flowers in it left at my door.

When I was a child and visited my grandmother I picked wildflowers on my way and brought them to her. She was always so pleased and put them in a vase on her kitchen table. My thought is, why just provide flowers on birthdays, holidays, and at the grave? Whoever you are, many thanks for the lovely gift.” — Heidi, Wilton

This recipe was used in Sun Spots in the 1970s and is just one of many, many shared over the years through the column. Submitted

I never laid eyes on Heidi but felt that I knew her. When she passed away recently, her neighbor wrote to tell me, referring to me as “that nice lady at the paper.”

I’ll admit it’s hard not to get attached to the “regulars” who write to Sun Spots again and again. There’s MaryAnn who hauls garbage bags full of soda can tabs to Portland to benefit the Ronald McDonald House. There’s David, who sends great recipes, and Louise, who checks in just to see how I’m doing.

What would I do without Jerry, who helps answer questions for veterans?

I also want to acknowledge the late Cat Man Norm who, along with his partner, Rose, founded Tommy’s Feral Feline Friends in Greene. His requests to Sun Spots for supplies for his kitties were so touching, and each time he followed up with a heartfelt thank-you note.

And how about those Good Samaritans — the ones who shovel walkways for our senior citizens, rush in to aid someone in an auto accident or someone who has slipped on the ice?

I also love getting letters about those “food angels” out there who anonymously pay for strangers’ restaurant meals, fast food, coffee, or groceries.

You see, when I was tapped to be Ms. Sun Spots, I didn’t know I would experience so much more from you than learning how to use Jerusalem artichokes in a recipe or how to translate a letter written in Esperanza.

Your enthusiasm for this place we all call home, your willingness to stop what you’re doing to help someone else, your loyalty, generosity, and goodwill — all inspire me and provide me a sense of comfort and belonging.

I’ll say it again: We wouldn’t have Sun Spots without you, the readers. What a joy it is to ride along with you on this informative, fascinating journey. Let’s go for 50 more years.

Happy birthday to us! Keep those letters coming . . .

And as we say in Sun Spots Land, shine on!

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Sat, 03 Dec 2022 15:01:00 -0600 text/html https://www.sunjournal.com/2022/12/04/no-fairy-godmother-ms-sun-spots-celebrates-50-years-of-advice-support-and-community-connections/
Killexams : No. 1 midsize Top Workplace 2022: Internet Testing Systems exemplifies balance and care Pat Ward, the president of Internet Testing Systems, gets ready to  provide a treat to Mia, one of the many dogs that come into the office with employees. Internet Testing Systems is one of the Top Workplaces for 2022. © Lloyd Fox/Baltimore Sun/TNS Pat Ward, the president of Internet Testing Systems, gets ready to provide a treat to Mia, one of the many dogs that come into the office with employees. Internet Testing Systems is one of the Top Workplaces for 2022.

Even before the pandemic led to shifts in America’s workplaces, CEO Pat Ward of Internet Testing Systems recognized that a sound work-life balance was vital to employee satisfaction.

“We focus on creating a culture where employees enjoy their job and want to stay. A big part of this is having a great product with happy customers,” said Ward, president and CEO of the business he launched in 1997. “But it also involves focusing on employee growth and recognizing and believing that work should not interfere with personal and family time. This is especially important for a company like ITS, which has many employees with younger children.”

Baltimore-based Internet Testing Systems was formed with the goal of providing technology and services to the computer-based testing industry, said Brodie Wise, the firm’s executive vice president of business development and marketing. ITS delivers testing programs for clients ranging from colleges/universities to global businesses.

The team has grown to 180 employees, who “build solutions that fit clients’ needs and provide a superior testing experience, both for administrators and examinees,” executives told The Baltimore Sun.

The pandemic spurred a transition from a traditional brick-and-mortar office to a hybrid remote workplace.

“We leave it up to the employee how often they come into the office,” said Ward, noting that ITS team members are spread across the country and world. “When COVID first hit, we began a weekly staff meeting where we shared information, celebrated birthdays and anniversaries, and participated (in) ‘in spirit’ events to make work more fun. This temporary meeting became a standard part of our culture and has been one way we all get to visit with each other each week.”

Trish Thomas, left, and Brodie Wise watch Mia and Max, two of the many dogs that are often seen at the office of Internet Testing Systems, one of the Top Workplaces for 2022. Portraits of some of the employees' dogs decorate the office space. © Lloyd Fox/Baltimore Sun/TNS Trish Thomas, left, and Brodie Wise watch Mia and Max, two of the many dogs that are often seen at the office of Internet Testing Systems, one of the Top Workplaces for 2022. Portraits of some of the employees' dogs decorate the office space.

The leadership has been creative with ways to gather the team safely for socializing with events like “parking lot parties.” Some activities are employee-only, but other gatherings welcome families. The firm expects to host future events with its geographically diverse workforce.

Ward believes that “happy employees means that you are doing things right and are considering everything from compensation and benefits to the real job.”

“You need to have a vision that works at the top of the company. But the team members, especially your senior leadership, need to believe and buy into that culture,” he added. “When that happens, you get the benefit of having a lot of smart people who are focused on making things great. … We have a great team, and it is the individuals who work here that make a difference.”

A sense of being cared for and work-life balance came up in the employee survey responses for Top Workplaces:

“I am thankful to be a part of a team that genuinely cares about my success and my well-being. I also really appreciate the diversity at ITS and the inclusive environment that they’ve created,” one employee said.

Another said: “The work-life balance is a real and genuine thing here at ITS. I came from a work culture where the job had to be everything in my life, which caused major burnout for me. I am thankful for a company that actually cares about its employees and their work-life balance. I wish this for everyone. I love this company so much.”

“We care about each other and our customers,” said a third. “It is more than a business.”

©2022 Baltimore Sun. Visit baltimoresun.com. Distributed by Tribune Content Agency, LLC.

Thu, 08 Dec 2022 11:00:00 -0600 en-US text/html https://www.msn.com/en-us/news/us/no-1-midsize-top-workplace-2022-internet-testing-systems-exemplifies-balance-and-care/ar-AA154klx
Killexams : TAC analyst helps individuals with disabilities get all benefits available

A key position at The Abilities Connection (TAC) is working to ensure individuals with disabilities and their caretakers receive all of the resources and assistance available to them.

Christine Fasick is the organization’s benefits analyst with more than 10 years of experience in benefits service. She connects individuals receiving Social Security benefits to financial and government benefits available to them, such as Medicaid, EBT Food Stamps and services from other financial relief programs.

“Connecting people with these resources gives their caregivers and main income providers a sense of security and relieves them of certain concerns for their loved ones,” Fasick said. “Although the referral process can be lengthy, it is worth the time and effort to help ensure individuals have the services they need and a certain rate of pay for which they qualify.”

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Fasick helps people fill out the paperwork and forms to receive benefits, and she works with parents and caregivers of those who receive Social Security Disability Insurance through the referral process.

This process is in collaboration with service and support administrators from Developmental Disabilities of Clark County and their primary contacts at TAC, including Habilitation Manager Kevin Spriggs, who also provides necessary resources to complete the initial employment setup.

Fasick also helps to alleviate the fears many caregivers may have about whether a new job or promotion will negatively impact someone’s benefits.

“A lot of individuals decide not to take a new job or promotion because they worry a small pay increase will eliminate the benefits they receive,” Fasick said. “By going through this process, a person who receives these benefits and their caregivers will be made fully aware of any impact a change in pay will have on their benefits.”

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Fasick helps inform individuals how to receive new or additional benefits through their employment, which is just one of the many things that TAC offers people with disabilities.

“Working in the community is a significant opportunity and enhances a person’s quality of life and allows them to be self-sufficient,” she said. “TAC cares not only about the work experience and social and behavioral development, but also that individuals are taken care of and set up for success for life beyond TAC.”

People who receive Social Security benefits, regardless if they are receiving services from TAC, interested in learning more about how a benefits analysis can help them or those they care for can contact Kevin Spriggs at 937-525-7487 or kspriggs@tacind.com.

Fri, 25 Nov 2022 15:25:00 -0600 en text/html https://www.springfieldnewssun.com/news/tac-analyst-helps-individuals-with-disabilities-get-all-benefits-available/AB32AB5BO5GSJI36TEAGUAMMFU/
Killexams : Saying goodbye to Klas Restaurant, a landmark of the Old World

The year 2022 marked 100 years that Adolph and Ella Klas started serving Czech food at their famous Klas Restaurant on Cermak Road in Cicero. Instead of a notable celebration, the building was demolished. The building, with unique Old World architecture and craftsmanship, and portions mimicking the Charles Bridge in Prague, made the Landmarks Illinois List of Most Endangered Historic Places in 2021.

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Unfortunately, efforts to save it were unsuccessful and demolition began in spring. Thanks to the salvaging skills of Jimmy Nuter of American Vintage Reclamation, many items were saved during demolition, including murals painted by my grandfather in the Zhivago Room.

On the final day of demolition, newspapers from 1928, neatly stitched together as insulation, blew away in the wind on the now-vacant lot.

The Town of Cicero lost a significant building from its Czech past, and for current residents, it was a unique place to celebrate birthdays and quinceaneras, and to use as a concert venue for local budding rock musicians.

But look ahead to the future, as both the Chicago History Museum and the National Czech and Slovak Museum and Library in Iowa are planning exhibits featuring these salvaged pieces, as well as personal memorabilia from the Klas family.

Irene Hogstrom, Downers Grove

Donations to Lightfoot a sign of bad government

Legislation that is enacted to avoid corrupt exchanges and services between officeholders and businesses are there for a reason, yet these safeguards seem to be neglected by some lobbyists and politicians. Mayor Lori Lightfoot has received thousands of dollars from lobbyist Carmen Rossi, who owns several downtown bars that have been impervious to city-ordered closures despite several violent incidents connected to them.

According to a Sun-Times article from Dec. 2, this year Lightfoot decided to keep up to $1,000 donated by City Lake Law, a law firm associated with Rossi. This evidently (it is not clear) breaks a ban former Mayor Rahm Emanuel put into effect that prohibits lobbyists from donating any money to the incumbent mayor, even if the donations weren’t made directly in the lobbyist’s name. 

Rossi acknowledged the suspicion and requested a refund to avoid problems, and as a result, Lightfoot allowed $44,500 to be returned. Aside from the $1,000 from the law firm, the remainder was donated by companies associated with the lobbyist. Neither party should be cleared of any fault in this unethical transaction, although Rossi requested a full refund. Both Lightfoot and Rossi have seen benefits come from this sketchy exchange, and they both should experience some consequences for it.

Rossi donates a large quantity to Lightfoot’s campaign, which seems to break an executive order, and in return, her administration keeps his businesses from shutting their doors in spite of various acts of violence in connection to them. Is this a government we want for the city? One that values money and business over the safety of citizens and morality of an institution?

Gianni Maldonado, Bridgeport

Thu, 08 Dec 2022 07:00:00 -0600 en text/html https://chicago.suntimes.com/2022/12/8/23498737/cicero-klas-restaurant-czech-food-demolition-murals-lori-lightfoot-carmen-rossi-donations-letters
Killexams : On Nutrition: Spirulina, green tea and potential benefits

Richard D, who reads this column in the St. Louis Post-Dispatch, writes: “I’m age 82 and in good health compared to most men of my age that I know. Spirulina — I recently started adding 1/2 teaspoon of it to my breakfast. What are your ideas about it? Green tea — I started drinking it because it is supposedly beneficial. How does an individual ever know whether it is helpful?

Since I have osteopenia, my endocrinologist wants me to eat more protein and reduce the quantity of leafy green veggies. Have you written an article about the nutritional value of beans? You write quite clearly so it is easy to understand the topic. It would not surprise me if your minor was in English or literature.”

Sounds like you’re taking good care of yourself, Richard. Let’s whittle away at your questions. Spirulina is a type of blue-green algae — organisms that live in the water and produce energy from the sun. A latest review in the journal Molecules gives a nutritional thumbs-up to spirulina. It is high in protein and other essential nutrients, including vitamin B12, which is often lacking in plant-based diets.

Spirulina also contains a host of compounds that helps the body fight inflammation and boost the immune system. Extracts of its blue-green pigments have been approved by the U.S. Food and Drug Administration as natural color additives for a variety of foods and confections. And get this, NASA has used spirulina as a dietary supplement for astronauts.

Some cautions do remain, however. People with autoimmune disorders such as multiple sclerosis or those on immune suppression drugs should avoid spirulina supplements due to its immune-stimulating effect. And because some unregulated products may contain unwanted contaminants, pregnant and breastfeeding women as well as young children should avoid it.

How does one know if green tea is beneficial? It’s kind of like how we know seat belts save lives. Studies have shown that green tea (and other types of tea from the Camellia sinensis plant) can help lower blood pressure and cholesterol and may even protect against cancer and other chronic diseases. By the way, green, black and oolong teas are from the same plant; they are just processed differently.

Yes, I did write a latest column on the value of beans. If your paper did not run it, you can access it at www.montereyherald.com.

Thanks for the compliment but my minor was cowboys, not English literature. Before changing my major to food science and nutrition as a sophomore, I had hopes of becoming a second grade teacher. Perhaps that stint in education has helped.

Barbara Intermill is a registered dietitian nutritionist and syndicated columnist. She is the author of “Quinn-Essential Nutrition: The Uncomplicated Science of Eating.” Email her at barbara@quinnessentialnutrition.com. This column was provided by Tribune News Service.

Sun, 27 Nov 2022 12:31:00 -0600 Barbara Intermill en-US text/html https://www.lowellsun.com/2022/11/28/on-nutrition-spirulina-green-tea-and-potential-benefits/
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