German Politician Slammed Over Comments on Foreign Immigrants

first_imgGermany’s Free Democratic Party (FDP) leader Christian Lindner has been condemned on the social media for a comment that he made on foreigners, including Indian engineers, while delivering a speech at a party convention in Berlin on May 12.“When you’re standing in line in the bakery and someone in front of you orders a sandwich in broken German you can’t discern whether he is a highly qualified artificial intelligence engineer from India or a foreigner who is being tolerated here illegally,” Lindner said.He added, “The others in line need to be confident that everyone who is here is staying here legally to ensure that they don’t fear this foreigner or look at him skeptically.”Lindner also said that this difficulty emphasized the importance of an immigration policy, which is based on liberalism and the rule of law.Lindner’s comments were criticized by many on the social media, with people condemning his stand on foreigners. “Did I understand Lindner correctly? We cannot look at people who speak broken German, because we cannot be sure that they are righteous. This is a shameful way to behave, aggressive and unfriendly to strangers (translated by Google),” Marek Dutschke, the son of the German student activist Rudi Dutschke, said on Twitter.Habe ich @c_lindner richtig verstanden? Wir dürfen Menschen die gebrochen Deutsch sprechen schief anschauen, weil wir nicht sicher sein können, dass sie rechtschaffen sind. Das ist doch ein Persilschein sich aggresiv und unfreundlich gegenüber Fremde zu benehmen #Lindner #Bäcker— Marek Dutschke (@MarekDutschke) May 13, 2018The comment made by Lindner led to another FDP member, Chris Pyak, leave the membership of the party. Pyak took to the social media to announce his decision of quitting the FDP. “In his speech, Christian Lindner has given all Nazis an excuse to harass dark-skinned people,” he said on Twitter.Ich bin soeben aus der FDP ausgetreten.”Bürger müssen sicher sein, das der Ausländer beim Bäcker kein Illegaler ist.”Christian Lindner hat in seiner Rede allen Nazis einen Vorwand geliefert dunkelhäutige Menschen zu drangsalieren.@Lambsdorff @johannesvogel @c_lindner— Chris Pyak (@chris_pyak) May 12, 2018Many others poked fun at Lindner’s comments, saying that the problem is that he “obviously has not been standing in line for far too long.”Das Problem ist, dass Christian Lindner offenbar schon viel zu lange in keiner Schlange mehr stehen musste. #FDPBPT #fdpbpt18— Antreh (@nnamrreherdna) May 14, 2018Lindner was told off by another Twitter user, who said that that she is not afraid of people who speak broken German. “I am afraid of those who, in their delusion, do not realize that they are human beings,” Esther aka Kampfbuddhine posted.Lieber @c_lindner ich hab keine Angst vor Menschen, die gebrochen Deutsch sprechen.Ich hab Angst vor jenen, die in ihrer Verblendung nicht erkennen, dass es sich um Menschen handelt.Ich seh keinem an der Nasenspitze an, ob er Dreck am Stecken hat. Weil das weder Sache der…— Esther aka Kampfbuddhine (@theweirdgerman) May 14, 2018After he was slammed by many on the social media, Linder took to the social media to explain what he meant by the comment. “I would again want to explain what I exactly wanted to convey by my baker’s comment,” he wrote on Twitter.Lindner added that he stood by his comments, which, he said, were inspired by a true story where a foreigner experienced xenophobia in a bakery line in Germany due to the migrant crisis.Several migrants and refugees have come to Germany from the Middle Eastern and African nations in the past few years.“Whoever thinks my comments were racist or populist is being hysterical,” Lindner said in a video he posted on Twitter.Was ich mit der #Bäcker-Anekdote sagen wollte: hier erkläre ich es nochmal. CL #bpt18 pic.twitter.com/8QxtXax1sK— Christian Lindner (@c_lindner) May 13, 2018 Related ItemsChristian LindnerGermanyracismlast_img read more

In The Eyes Of God

first_imgFollowing stinging criticism over the public spectacle surrounding the pre-wedding darshan by Abishek Bachchan and Aishwarya Rai, officials at the Tirupati Temple have decreed that VIP treatment would no longer be meted out to visiting celebrities and business tycoons. Trustees of the Lord Venkateswara Temple in southern Andhra Pradesh apologized to devotees for the “over enthusiasm” demonstrated by temple officials toward the couple. Hundreds of thousands of people wait patiently in lines for several hours every day to view the deities, a line the high-powered Bollywood couple were able to circumvent.So next time Abhishek and Ash, take a number, like the rest of the mortals. Related Itemslast_img read more

2.1 Million Child Deaths

first_imgIndia has the worst rate of child survival in the world, according to a UNICEF report.Nearly 2.1 million Indian children under the age of 5 died in India in 2006, mostly from starvation or common diseases, almost five times the infant mortality rate of China.Nearly a quarter of the Indian population is classified as poor, which is defined as people getting less than the minimum number of calories necessary for survival.  Related Itemslast_img

India Rejects Mother Teresa Claim

first_imgIndia has rejected a demand by the Albanian government to return the remains of Nobel laureate Mother Teresa, who is buried in the city of Calcutta, to Albania. “Mother Teresa was an Indian citizen and she is resting in her own country, her own land,” a foreign ministry spokesman said and the Missionaries of Charity, where she is buried, described the Albanian request as “absurd.” Mother Teresa acquired Indian citizenship in 1951 and is widely expected to be canonized as “Saint of the Gutters” in August by the Pope on the 100th anniversary of her birth.Mother Teresa once said: “By blood, I am Albanian. By citizenship, an Indian. By faith, I am a Catholic nun. As to my calling, I belong to the world.”  Related Itemslast_img read more

$150 Million Donation for IIT Kharagpur

first_imgRelated Itemslast_img

Full Bodied Support

first_imgMarathi actress Yoggitta Dandekar used body paint to pledge her support to Anna Hazare’s cause. Related Itemslast_img

Ex-NBA player Sebastian Telfair arrested on gun charges

first_imgIn this Dec. 28, 2012, file photo, Phoenix Suns’ Sebastian Telfair brings the ball up against Indiana Pacers’ Tyler Hansbrough during a basketball game in Indianapolis. Former NBA player Telfair has been arrested on weapons and marijuana-related charges during a traffic stop in the Brooklyn borough of New York. Police say the 32-year-old Telfair and another man were arrested early Sunday morning, June 11, 2017, after police found firearms, a semi-automatic rifle, ammunition, a ballistic vest and marijuana inside their vehicle. APNEW YORK — Former NBA player Sebastian Telfair has been arrested on weapons and marijuana-related charges during a traffic stop in Brooklyn.Police said the 32-year-old Telfair and another man were arrested early Sunday morning after police found firearms, a semi-automatic rifle, ammunition, a ballistic vest and marijuana inside their vehicle.ADVERTISEMENT Don’t miss out on the latest news and information. Sports Related Videospowered by AdSparcRead Next Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games Nadal braced for bittersweet symphony at Wimbledon View comments MOST READ Lacson: SEA Games fund put in foundation like ‘Napoles case’ WATCH: Firefighters rescue baby seal found in parking garage It was not clear if Telfair had a lawyer.Telfair was a first-round draft pick in 2004. He started with the Portland Trail Blazers and spent time with the Boston Celtics, Minnesota Timberwolves and other teams before ending his career in China in 2014.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSMalditas save PH from shutoutTelfair and another friend were arrested in 2007 after a traffic stop when police found a loaded handgun in the vehicle. He pleaded guilty to criminal possession of a weapon and was sentenced to three years of probation. World’s 50 Best Restaurants launches new drinking and dining guide Heart Evangelista admits she’s pregnant… with chicken What ‘missteps’? Heart Evangelista admits she’s pregnant… with chicken Cayetano dares Lacson, Drilon to take lie-detector test: Wala akong kinita sa SEA Games LATEST STORIES 1 dead in Cavite blast, firelast_img read more

​Bournemouth midfielder Arter speaks on the toughest period of his life

first_imgBournemouth midfielder Harry Arter has opened up about the personal tragedy he suffered in December 2015.Arter and his partner Rachel Irwin were shattered after baby Renee was stillborn. The Republic of Ireland international has revealed how his teammates Charlie Daniels and Simon Francis helped him through the toughest period of his life.He writes in the Players’ Tribune: “Luckily, I had Charlie Daniels and Simon Francis, two of my best mates, come and help me out of a really dark place.”They came over straight away and put everything in the nursery in storage for us, because I think they knew that, eventually, we would want to build that nursery again. They’re true friends.”The next few days were a blur of emotion. I used football to distract myself from the pain, at least for a few hours.”We had a match against Manchester United three days after we lost Renee. My heart was somewhere else but I wanted to play and Rachel supported it.last_img read more

Burnley boss Sean Dyche casts wide net for new left-back

first_imgBurnley boss Sean Dyche is casting a wide net for a new left-back.The Clarets are pushing to close a deal for Hull City fullback Andrew Robertson as their priority target.However, Dyche also has other options under consideration.QPR’s Jake Bidwell,24, and Middlesbrough’s George Friend, 29, are among his alternatives.last_img

Neville: Man Utd dithering on Rooney can hurt them

first_imgManchester United legend Gary Neville is surprised Wayne Rooney’s future remains undecided.United are still yet to deliver any definitive stance regarding their top earner, meaning the confusion surrounding the future direction of Rooney’s career remains rife.”You don’t want to create voids for speculation around such big players,” the former United captain told the BBC.”I am surprised it has not been dealt with.”You don’t want that speculation to hang over a pre-season because every single press conference and media session will be clogged up with the issue of whether he is staying or going.”last_img read more

Nottingham Forest hitman Britt Assombalonga on Burnley radar

first_imgNottingham Forest hitman Britt Assombalonga is on Burnley’s radar.The Daily Express says Dyche is weighing up a move for Forest striker Assombalonga, who is also attracting the interest of MiddlesbroughThe Clarets boss needs more striking options with Everton and West Ham ready to make a move for Andre Gray who has stalled on signing a new contract.Gray wants his pay increased to £70,000 a week and only had a year left to run on his current £25,000-a-week contract.Assombalonga is up for a move after Forest’s relegation to League One.last_img read more

Investing in Midwifery to Ensure Respectful Maternity Care at the Aberdeen Women’s Centre

first_imgPosted on May 15, 2013March 8, 2017Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)Guest post by Fistula Care. With just 1 midwife for every 1000 live births, Sierra Leone needs a twelve-fold increase in its midwifery workforce to ensure full coverage of maternal and newborn health services.  It is tempting to focus exclusively on training new midwives, but existing midwives also require attention. They can only function effectively if their own professional needs are met. The Aberdeen Women’s Centre in Freetown, Sierra Leone, provides an example of what a midwife-led maternity unit can look like: where midwives have the support they need to do their jobs well, and where mothers and babies therefore receive respectful, high-quality services.An important new article in the Midwifery’s forthcoming Millennium Development Goals special issue describes in detail a practical example of how we can “invest in midwives” and equip them to offer competent, compassionate, and respectful care to expecting and delivering mothers. “Striving for excellence: Nurturing midwives’ skills in Freetown, Sierra Leone” recounts how the Aberdeen Women’s Centre launched a maternity unit focused on supporting midwives to offer exemplary care.The Aberdeen Women’s Centre is a private clinic that was founded in 2005 to provide surgical repair to women who suffer from obstetric fistula. The Centre’s focus on fistula treatment remained constant until one of its own staff died in childbirth. In the wake of this loss, the clinic’s leaders began to consider expanding their mandate. They saw an opportunity to offer quality maternity care to women who would be unable to pay, thereby preventing the occurrence of new fistula cases and reducing maternal mortality. With support from the Gloag Foundation and U.S. Agency for International Development (via EngenderHealth’s Fistula Care project), the Aberdeen Women’s Centre opened its midwife-led maternity unit in May 2010.The Centre provided ongoing in-service education and supportive supervision for its staff midwives. Expert midwife volunteers served as mentors, modeling a commitment to quality, evidence-based care. Through training and routine review of near-misses, the Aberdeen Women’s Centre midwives have developed professionally and are poised to become future leaders for midwifery in Sierra Leone.Meanwhile, these midwives have offered an excellent level of care to delivering mothers and their newborns. In the first two years of the maternity unit’s services, its staff assisted 2,076 births, with better-than-expected health outcomes for mothers and babies.For more, visit the Respectful Maternity Care blog series.Share this: ShareEmailPrint To learn more, read:last_img read more

Recap of the MHTF-PLOS Event: Improving Maternal Health

first_imgPosted on December 13, 2013November 7, 2016By: Natalie Ramm, Communications Coordinator, Maternal Health Task Force, Women and Health InitiativeClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)“Improving Maternal Health: Insights from around the world” was held Wednesday at the Harvard School of Public Health. We want to thank all of those who joined us in person and online. And a special thanks to our panelists: Suneth Buddhika Agampodi, Nosakhare G. Orobaton, and Cynthia K. Stanton. For those of you who couldn’t make it, please check out our Storify of the event, which includes live tweets and photos. Videos will be coming soon.Share this: ShareEmailPrint To learn more, read:last_img read more

A Web and Mobile Application for Reproductive Health Supplies

first_imgPosted on May 13, 2015October 26, 2016By: Professor Kumar Devadutta, School of Computer Engineering, KIIT UniversityClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)This post describes the process of implementing RHCLMIS, a web and mobile application for automating RH supplies for the Health Department in Odisha in India. Innovadors Lab, a tech start up based in Bhubaneswar in India designed and implemented the Reproductive Health Commodities Logistics MIS (RHCLMIS) for the Department of Health & Family Welfare, Government of Odisha to modernize the supply chain management for RH commodities across the state. UNFPA Odisha provided technical and financial support in this process.The National Health Mission, India’s public health program, delivers a range of family planning services through a Health Sub Centre at the village level (covering population size of 5000), Primary Health Centre at block level (covering 30,000 people) and Community Health Centre for cluster of 2-3 blocks (covering population size of 120,000). In the rural health program, community health workers and providers counsel for and provide a number of oral contraceptives and condoms. In addition, the National Health Mission performs IUCD implantation, sterilization, and other operations primarily in Primary Health Centres and higher-level facilities through trained providers.Most state health departments are managing the supply chain management for family planning services manually. This practice provides little information to the suppliers and providers to manage their RH procurement, stocking, indenting, transporting, and monitoring for supplies.RHCLMIS functionsWe used ASP as the front end and MS SQL as the back end for development. For mobile data collection, all the CHWs were given access through SMS with keywords and data for indent and stock status reporting.Users shall first define the master data (e.g. place names, facilities, user details, ware house, items, etc.).For each type of master data, users shall use respective forms. For example, users can enter name of the item, code, unit, required percentage, unit per head for creating list of supply items.It allows user to create track centers at any level (e.g. state, district, block, etc.). Track centers are users who can log in the RHCLMIS application to monitor indent, stock and supply status at the units below its level.Users can use ‘forecast function’, to project annual demand by population size for each type of item. The forecasting is available at CHC, PHC, block, district and state levels for a year by the RH product category.For raising ‘indent’, users shall first select the item and select indent type (stock in hand, annual requirement, receive till date automatic fetch). The user shall enter quantity to send the indent.Units can ‘receive’ the supplies from warehouse or supplier. First, select the warehouse or supplier from the list, then enter invoice number, date. Then, user shall select the item and enter quantity, and details of item (e.g. batch no, manufacturing date, expiry date, total quantity, damaged quantity, short supply). User can upload the image of the supplies as well.User can choose to ‘direct issue’ in cases where it does not receive any indent from the concerned units.It allows the user to transfer commodities from one facility to another, using ‘inter transfer’ method.For ‘quality control’, users can enter the receipt of items meant for QC and QC results.User can update the stock status using ‘current stock’.Where units are raising ‘indent’, stores can issue commodities to them and units can issue receipts.Units can enter the details of damage and shortage of stocks through ‘damage/ shortage’ function.Application provides various reports of stock, indent, and supply over level and time period.Project implementationLab developed the RHCLMIS web application and started its pilot implementation in January 2011, with four districts – Boudh (3 blocks), Ganjam (22 blocks), Keonjhar (13 blocks), and Nayagarh (8 blocks).In these blocks, we organized training for ANMs who are the in-charge of the HSCs.Training included: Functioning & features of RHCLMIS, Indenting through RHCLMIS, Stock issue, Stock Receipt and updations, Short supply or Partial Receipt, Minimum Stock level, Inventory management, among other topics.Training for ANMs were provided in every Block Headquarter for 40-50 number of ANMs in 314 blocks of 30 districts of Odisha. For training these ANMs, we trained a group of 20 master trainers. We use classroom lecture methods with hands on practice for training the ANMs. The complete training required total 3 number of training sessions, conducted over a period of 12 weeks. Through the training, we trained the ANMs in entering the keyword and sending SMS, the detail is provided in SMS user guide.Subsequent to the training, Lab provided handholding support through phone calls and visits to project sites at state and districts. We received approximately 350 phone calls which were attended by our help desk to guide them in operation.In a year’s time, in January 2012, RHCLMIS was implemented in another 14 districts.Key project achievementsProject is implemented in 314 blocks in 30 districts of Odisha. It includes HSC, 314 blocks, 30.DH, 1 state HQ, stores as the Users.During 2013-14, RHCLMIS processed 2329 indents by web and 2329 by SMS, and 3015 supplies. In 2015-15, total of 2564 indents by web and 2564 by SMS, while 2857 transactions for supplies were processed.Further developmentsDuring the implementation, we have observed need for a mobile application for the project managers at the state, district and block level for quickly accessing the data and recording the transactions. Lab is currently developing a mobile application which we expect to pilot in one block.Share this: ShareEmailPrint To learn more, read:last_img read more

AIM Program | Moving Forward to End Preventable Maternal Mortality

first_img ShareEmailPrint To learn more, read: Posted on December 21, 2015October 12, 2016By: Kisha D. Semenuk, Program Manager, Alliance for Innovation on Maternal Health (AIM) Program, American College of Obstetricians and GynecologistsClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)This post is part of “Inequities in Maternal Mortality in the U.S.,” a blog series hosted by the MHTF.These facts are a definite cause for pause:For every maternal death, there are 100 severe maternal complications that occur at/near childbirthBlack women will experience 3-4x more severe maternal complications than white womenThe majority of maternal deaths are preventableTo tackle the rising maternal mortality and morbidity rates in the United States, the Maternal-Child Health Bureau (MCHB) has funded a national maternal safety and quality improvement initiative, known as the Alliance for Innovation on Maternal Health (AIM) Program. The overarching goals of the AIM Program are to prevent 1,000 maternal deaths and 100,000 severe maternal complications in the U.S. by the end of 2018. The AIM Program is a multidisciplinary and collaborative effort to reduce preventable maternal mortality and morbidity and is spearheaded by the American College of Obstetricians and Gynecologists (ACOG) in collaboration with a core partnership of professional provider and public health organizations, federal agencies and patient advocates.The core objective of AIM is the development and implementation of maternal safety bundles. Maternal safety bundles, also known as patient safety bundles (free registration and login required), are sets of actionable maternity care best practices that have been proven to reduce preventable maternal mortality and morbidity. In addition to these bundles, AIM utilizes ‘lessons learned’ from state maternal mortality review committees (MMRCs) and state perinatal quality collaboratives (PQCs) to ensure consistent obstetric best practices are implemented in all birth facilities.State MMRCs provide a systematic and multidisciplinary team approach to reviewing the causes, both biologic and systemic, of maternal deaths at the state level. The goal of the MMRC is to identify gaps in health services and make actionable recommendations to prevent future maternal deaths. PQCs serve a similar function and are comprised of perinatal care providers and public health professionals working to improve pregnancy outcomes by advancing evidence-based clinical practices and continuous quality improvement processes. MMRCs and PQCs function to improve public health surveillance of maternal health outcomes and the lessons learned from each have helped focus national efforts on creating a ‘culture of safety’, establishing consistent obstetric best practices and promoting data-driven quality improvement efforts in maternity care.These lessons learned have also led to the discovery of innovative strategies that are improving real-time public health surveillance of pregnancy-related and maternal health outcomes. To ensure states and birth facilities participating in AIM can utilize real-time data to drive their maternal safety and quality improvement efforts, AIM has aligned process, structure and outcome measures with each maternal safety bundle (see AIM Data Collection Plan) and developed a secure data portal for birth facilities to report to on a quarterly basis. Birth facilities, in return, can access their data to drive their continuous quality improvement efforts and utilize their local resources more effectively.In addition to promoting the implementation of maternal safety bundles in all U.S. birth facilities, AIM will begin moving forward in 2016 to reduce peripartum racial disparities in access, quality and outcomes of care within birth facilities. The Reduction of Peripartum Racial Disparities maternal safety bundle is currently under development by a team of multidisciplinary women’s health clinicians, public health professionals and patient advocates. The initial focus of this bundle workgroup is to consider African American pregnant women as being at elevated risk for maternal morbidity events and establish a facility-wide culture of hypervigilance and enhanced patient communication. Moving forward, AIM is committed to effectively addressing the pressing challenges facing the U.S. maternity care system, while aligning its efforts with the Sustainable Development Goals (SDGs) to join the global effort of ending preventable maternal mortality (EPMM) by creating domestic and global equity for all mothers.Share this:last_img read more

Health care costs continue to rise

first_imgWe know, we know–stop the presses, right? Well, a new report predicts that insurance costs for employers will increase again by 8% annually in 2007 and 2008. Inflation is only about 3%, so it’s no wonder that the number of employers offering health benefits is shrinking.last_img

4 tips for chasing payment

first_imgThis is a post from a member of the Freelancers Union community. If you’re interested in sharing your expertise, your story, or some advice you think will help a fellow freelancer out, feel free to send your blog post to us here.Chasing payment is a key survival skill for writers and other freelance professionals. Here are 4 tips for chasing payment, based on my two decades of freelance writing experience:Be “pleasantly persistent.”You can be a nice person who cares for others, and still be successful chasing payment from clients. In your initial efforts to collect payment, say when payment is a few days overdue, do not assume bad faith on the client’s side. Never begin by believing that the client is “trying to screw you over,” even if you eventually find they are. Act as if the client simply forgot to pay you and ask them to correct their oversight.Be nice to people, treat them as human beings (not faceless bureaucrats), and ask (nicely) that they do what they promised to do — pay you.Develop human relationships with the people who pay you.I have zero problem calling a huge organization and asking the accounts payable manager about the status of my payment. When you are nice and pleasant to these people, simply presenting the non-payment issue as a problem you both want to solve, you’d be surprised at how effective you’ll be in getting paid.I have become friends with people in various accounts payable roles over the years. I know the names of their kids, what they like to do over the weekend, the kind of food they like. Am I being overly friendly, a Mr. Softie? No, in fact, I am making sure I get paid. When you have a real human relationship with someone in A/P, when they know you and you know them, that helps you get paid. Never be a faceless vendor with a P.O. number who calls a faceless A/P person who doesn’t care about you. Be a human talking to a human — and yes, have your invoice and P.O. number ready.People in A/P get yelled at by vendors, suppliers, bosses all day long, so when you treat them with respect and professionalism, they reciprocate. They’ll go above and beyond to help resolve your payment issues, if you go above and beyond for them. Have I written recommendation letters for A/P people who’ve helped me? Have I called their bosses and described how professional and helpful and wonderful they are? You’re darned right I have, many times! To get paid, you’ll need to invest in building human relationships.Make the “pleasant” phone call first and attempt to negotiate payment before you threaten legal action or other negative consequences.Try to work things out informally, always. If you can’t, send that threatening letter or email only as a last resort. And when you do send that email or letter as a last resort, mean what you say and do what you say. If you threaten to file a case against someone in small claims court, then do that. This is about your integrity. But continue trying to work things out and compromise. The email or letter may give you more leverage or lead to an “escalation” of your payment issue up the ladder. This can help you get paid. But never become an a**hole to people. No amount of money is worth that.Don’t work with clients who consistently can’t figure out how to pay you on time.You are a writer or other professional freelancer, not a consultant helping your clients figure out how to develop a better payroll/Accounts Payable system. Have I acted as an informal consultant to my client’s A/P people? Yes, because if I need to help them figure out how to get me paid on time, I will do that. But if they continually botch payment, I tend to lose patience and then “lose” the client. Not paying me tends to damage our long-term relationship — not being competent with your A/P is a huge turnoff from clients, in my opinion.Yes, it’s tough to get these administrative details done well, but how can a client expect me to focus on details and quality outcomes when they don’t? If a client needs my help in paying me, I’ll help them every time. But you want to work with clients who have their house in order, or can at least learn to get it in order.It never pays to become a jerk when chasing payment. Be pleasant, give A/P the benefit of the doubt, and most of all, persist. Do you have tips for collecting payment, dear reader?Boston-based Chuck Leddy is a business writer and brand storyteller for B2B brands such as General Electric, ADP, Office Depot, Cintas, the National Center for the Middle Market, and many more. He’s also been published in print publications such as the Boston Globe and San Francisco Chronicle.last_img read more

Do you have a Freelance Isn’t Free success story? Share it!

first_imgOn May 15, 2017 the Freelance Isn’t Free law took effect in New York City, establishing groundbreaking protections for freelancers from late and nonpayment. It was a victory for freelancers in the city, a blueprint for other cities and states, and the culmination of Freelancers Union’s advocacy efforts.The strength of Freelance Isn’t Free relies on our ability to enforce it. To help us provide a pathway for more freelancers to utilize the law, we want your success stories. Have you successfully filed a claim? Contact us at advocacy@freelancersunion.org.What is Freelance Isn’t Free?The law covers freelancers who are earning 1099 income and are owed over $800 for work in a four-month period. It applies to sole proprietors who are not incorporated, or who are incorporated as either an independent LLC, S-Corp, or C-Corp and do not have employees.You can read the full text of the law here, but its most important provisions include:30-day payment terms:Unless otherwise specified in a contract, clients must pay freelancers within 30 days of completion of work.Mandatory contracts:Clients must use a contract when hiring a freelancer for over $800 of work and can face fines if they refuse to provide one.Payment agreement protections:Clients cannot require that freelancers accept less than they are owed in exchange for timely payment.Anti-retaliation:Clients cannot retaliate against a freelancer for pursuing payment.Legal assistance:A city agency will investigate and may try to collect on the freelancer’s behalf, and may provide court navigation services if needed.Double damages:Freelancers can collect double damages and attorneys fees in court, and repeat offenders can face penalties of up to $25,000How you can get involved this year Encourage your fellow freelancers to familiarize themselves with the law and hold clients accountable, and let’s keep pushing for country-wide protection against late and nonpayment for freelancers! Contact us at advocacy@freelancersunion.org to share your story with your fellow freelancers.center_img Attend our May 15 Freelance Isn’t Free anniversary celebration at Freelancers Hub, our coworking and events space, in DUMBO, Brooklyn. We’ll hold a panel discussion about the impact of the law and hear success stories from freelancers. Look out for event updates here and in our newsletters.last_img read more

Do We Live in the Golden Age of Investing?

first_imgShare this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Related Post navigation Earlier this fall, the SEC accused a well-known personal finance expert, Ray Lucia, of misleading investors and ordered him to stop making false claims.My reaction to this was twofold: (1) I’m glad my column is obscure enough that the SEC has no interest in me, and (2) this guy was advertising surefire investment gains based on a common fallacy promoted by lots of other smart people who should know better.Maybe you believe in it, too. But you shouldn’t and here’s why:The fallacy is that investing in the stock market is less risky over long periods than short periods. It’s not. It’s riskier.This is not just my opinion; it’s a mathematical fact well known to academic finance experts and options traders, supported by historical evidence, and largely ignored by the public and financial advisors alike.There’s a hole in the bucketRay Lucia’s investment strategy, used by his advisory practice and promoted on his radio show and in a series of bestselling books, is called Buckets of Money. It’s mostly aimed at people at or near retirement.The concept is that you separate your retirement savings into three buckets for short-term, medium-term, and long-term (15+ years) spending needs.The short-term bucket is invested in low-risk assets like short-term bonds, CDs, and savings accounts; the long-term bucket gets risky stuff like stocks and real estate.(The medium-term bucket gets somewhat risky or more illiquid assets, like longer-term bonds and fixed annuities.)The idea is that you withdraw your spending money from the first bucket and periodically replenish the first bucket from the second and the second bucket from the third.If the market tanks, you can wait it out until it recovers, because you have bucket three hermetically sealed off from the rest of your money, and everyone knows the stock market always does well over long periods, like 15 years.Now, to be clear, the SEC didn’t have any problem with the strategy itself; they accused Lucia of overstating how well it would have performed historically. But this “buckets” idea, which is also promoted by lots of people other than Lucia, is fatally flawed.It’s flawed because there’s no guarantee the investments in the third bucket will perform well over 15 years or any period of time, no matter how long.Moshe Milevsky, author of Are You a Stock or a Bond?, analyzed the bucket strategy in 2006, long before the SEC became interested in Lucia.“If you are unlucky enough to earn a poor sequence of initial returns,” he wrote, “‘bucketing’ your retirement income is not a guaranteed bailout.”“Great,” you may be saying. “I won’t put my money in buckets. Sounds complicated, anyway.”Sorry, but if you combine all your assets into the same bucket, you’re probably still making the same mistake.The risky long runThere are a variety of ways to explain why stocks are risky in the long run, and John Norstad investigated plenty of them in his classic paper, Risk and Time, which every investor should read (it’s free and it’s short).The argument I find most persuasive is this: investors expect to earn more from stocks than from bonds because we demand a risk premium from stocks. If there were zero chance of making more money in stocks, no one would choose them over safer assets.“Risk” is just another word for “bad stuff might happen.” Bad stuff happens all the time in stock markets. Plenty of stock markets in the history of the world have gone to zero and stayed there, usually because of war.In more normal times, we have panics, asset bubbles, financial crises, recessions, and flash crashes. Part of the reason we expect high returns from stocks is because we know these things can and do happen, and we demand to be compensated for dipping a toe into such a risky pool.And the longer we stay in the market, the more likely we are to experience a disaster. Just like the longer you stand on a sketchy street corner, the more likely you are to be mugged.Understanding this isn’t the same as being a stock market bear. Taking prudent risks is what investing is all about.You can believe that stocks have higher expected returns and that the general trend of the market is up (I believe both); you can invest in stocks (I do); and you can also understand that stock investing is risky and you have no idea how much money you’ll end up with at the end of a long investing career.It could be much less—or much more—than you expect.Here’s another way to look at it: let’s say you jump into the stock market for one day, and it’s just not your day. You lose 6%—a really bad day for stocks.To really lose some money, though, you have to stay in longer. As Norstad points out, during the worst three-year period for stocks (1930-32), you would have lost 61%.The market itself considers long-term investing risky. We know this by looking at options trades. (Feel free to skip ahead at this point if you really don’t want to read about options; I don’t blame you.)You can “insure” your portfolio by buying a long-term put option against the S&P 500, which gives you the right to sell your stock for a certain price (the “strike price”) on a certain date.If the market drops below the strike price, you can still sell without a loss; if the market is higher than the strike price, you sell at the market price for a profit.Of course, you have to pay for the option, and the later the date on the option, the higher the price. Insuring against a market loss over a ten-year period costs more than insuring over a one-year period.Why? Because stocks are risky in the long run.Great, now what do I do?Again, this is not an argument against investing in stocks. It’s an argument against the idea that stocks are a magical, long-term money factory. Even investors with long time horizons need a Plan B.What happens if your stock investments don’t work out? What if they underperform your bonds over a 30-year period or longer? Would this ruin your retirement?If so, you’re doing it wrong: you’re making a risky investment without thinking about what to do if the risk doesn’t pay off. No buckets and no amount of time can protect you from financial risk.To paraphrase the computer from War Games, the only way to avoid stock market risk is to stay out of the market.With bonds at record-low rates, that’s an unsavory proposition for most investors, including me. Fine. We just need to understand what kind of street corner we’re standing on.Matthew Amster-Burton is a personal finance columnist at Mint.com. Find him on Twitter @Mint_Mamster.last_img read more

How to Avoid Impulse Purchases

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