“It’s basically the worst it’s ever been in terms of loan covenant protections,” says Derek Gluckman, senior covenant officer at credit-rating firm Moody’s Investors Service. And that includes the heady pre-crisis year of 2007. A covenant-lite loan refers to debt where the issuer doesn’t have to meet periodic performance goals, known in the trade as maintenance covenants.
According to the AARP analysis, for a 60-year-old earning $25,000 a year, premiums and out-of-pocket costs could increase by as much as $16,174 a year. If that 60-year-old lives in a state that allows insurers to charge older individuals dramatically higher premiums, he or she would face an additional $4,124 increase in premiums.
The Gibs Singularity (thc0655)
Many observers have remarked upon Zuckerberg’s recent ungainly efforts to ingratiate itself with consumer units in the North American market segment. The presumed, but ultimately alien and unknowable, motives being to seed their primitive psyches with positive associations required to trigger involuntary motor actions in a voting booth. Below are photographs of Zuckerberg evaluating human sensitivity to this modeled stimuli.
Dirty Laundry: An Investigation (jdargis)
While most New Yorkers recognize the thousands of storefront laundromats scattered across the city that offer drop-off washing or dry-cleaning services as well as coin-operated machines, few may be familiar with larger corporate-owned commercial laundromats, to whom these services are increasingly being contracted. Many of us have likely used a sheet or table cloth cleaned in a commercial laundry, which typically provides services for hotels, hospitals, restaurants, and neighborhood laundromats that outsource their laundry. The commercial laundry industry is growing: in the New York metropolitan area alone, the number of laundry and dry cleaning workers grew from about 9,480 in 2011 to 12,680 in 2016, according to the Department of Labor.
The epidemic began when doctors prescribed a huge number of opioids — leading the drugs to proliferate not just among patients but also among teens who rummaged through their parents’ medicine cabinets, friends and family whom patients shared the drugs with, and a black market where patients sold excess pills. Over time, drug users moved to other opioids, including heroin, fentanyl, and fentanyl analogs. And overdose deaths climbed and climbed.
How Heat Kills Farmworkers (jdargis)
This summer, however, Horton began hearing from Mendota’s farmworkers that working conditions were actually improving. That was likely due to several factors, she says, including a state heat protection law that some companies in the area are finally following under heightened scrutiny, and the recent immigration crackdown. With their labor supply under pressure, employers simply don’t want to risk losing more workers.
Government spokesman Carlos Bermudez said that officials could not reach 40 of the 78 municipalities on the island more than two days after the hurricane crossed the island, toppling power lines and cellphone towers and sending floodwaters cascading through city streets.
A study found 71 per cent of counties in the 48 contiguous states were suitable for aegypti and 75 per cent could support albopictus.
The paper said the dengue, chikungunya and Zika viruses in particular represented a “growing public health threat in parts of the United States where they are established”.
Gold & Silver
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