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BBB warns Arkansans are being duped by a Stanley travel cup scam: How to avoid it KARK
Insolvency hurts you in the present and in the future. With cash-flow insolvency, if your search for liquidity prompts you to miss due payments, you will have to pay late-payment interest. With balance-sheet insolvency, even if you sell off assets, your credit history (which consists of your debts and defaults) will be damaged. This will make it harder for you to get credit, loans and other financial products and services in the future.
Insolvency can become a criminal offence if the law is broken in order to avoid debt repayment. Bankruptcy fraud includes concealing assets to avoid using them to pay a debt or falsifying documents to cover up your finances In some countries, bankruptcy fraud carries fines or even jail time.
Poor financial planning and debt scheduling can harm your financial health in many ways. Keep your income and expenses balanced in order to save money, invest, increase business revenue and meet other financial goals.
Allison Aubrey is a correspondent for NPR News, where her stories can be heard on Morning Edition and All Things Considered. She's also a contributor to the PBS NewsHour and is one of the hosts of NPR's Life Kit.
Here’s how to have fun in the sun safely!
LINDSEY ZABRITSKY: So studies have shown that the most sun damage that we experience are during our childhood and adolescent years. So we need to start wearing sunscreen from the very beginning of our lives. Here are five common sunscreen mistakes to avoid this summer.
I'm Dr. Lindsey Zabritsky, board certified dermatologist. And I'm here with "In the Know." You're forgetting commonly miss areas like scalp, ears, back of hands, and lips. People often forget that your scalp can get sunburned, especially your part line. So it's really important that you use a scalp and hair mist, like this SPF one from Sunbalm.
You just spray it in the part line or any other areas that are exposed. You think that mineral sunscreens are the most effective. But in reality, both chemical and mineral sunscreens are equally as effective. What really makes a difference is the SPF factor.
So when you're looking for an effective sunscreen, you want to look for one that has at least an SPF of 30. That's broad spectrum. That means it protects you from both UVA and UVB rays. You're not applying enough sunscreen.
People usually only apply anywhere between 25% to 50% of the recommended amount of sunscreen. The recommended amount of sunscreen is at least an ounce or more or about a shot glass worth for the entire body. And you need to apply at least two or three finger lengths to apply for your neck and face.
You're only using sunscreen. So a good way to remember to protect yourself from the sun are the five S's. So, obviously, the first is sunscreen, but also sun hats, sunglasses, sleeves, and shade. You're only wearing SPF when it's sunny out. SPF all year round. It doesn't matter what the weather is, what the season is-- you should be wearing your SPF every single day.
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What Is Being Chronically Online and How Can You Avoid It? MUO - MakeUseOf
Workplace changes ushered in by the pandemic have been accompanied by a host of new terminology. “Quiet quitting,” “boomerang employees,” “career cushioning,” and “return to office” (or just “RTO”) are just a few phrases that express the new realities. But among remote and hybrid workforces, “productivity paranoia” might be the term most feared.
In a global survey of 20,000 people, Microsoft identified productivity paranoia as a phenomenon in which “leaders fear that lost productivity is due to employees not working, even though hours worked, number of meetings and other activity metrics have increased.” In other words, leaders’ unjustified belief that their hybrid teams aren’t productive is totally disconnected from evidence that they are.
Any turn of phrase that includes the word “paranoia” can’t be healthy for leaders, their teams or the company they work for. Trust, which is integral to the leader-employee relationship, is annihilated by paranoia, so you should avoid it at all costs. Here’s how you can.
Productivity theater is the employee’s response to management’s productivity paranoia. Team members want to appear busy, regardless of whether they’re accomplishing actual work at any given moment. In fact, they spend more time focused on performing acts of business than on doing their jobs.
If this is how your team is responding to your micromanagement and overt surveillance, that sound you hear is the sucking of true productivity down the proverbial drain. You want your team to focus on what’s strategically valuable to the company, not on pretense.
The point of productivity is to make progress toward meeting deadlines and achieving goals. So keep your focus on project deliverables and milestones, not on how fast a WFH employee responds to your latest Slack. Reach out periodically, not to keep tabs on team members, but to ask if they’re encountering any obstacles you can help them remove.
You can’t end productivity theater’s run by just telling hybrid team members to stop putting on a show. Instead, clearly outline your work-life expectations. If you tell them they’re not expected to respond to emails 24/7, they may not spend so much time trying to appear they’re working nonstop.
First, you had to figure out what tools your team needed to do their jobs 100% remotely. Now that they’re doing them in a hybrid situation, the same tools may not be working. Talk to your team to find out what they think about the tech they’re using in and out of the office.
Stop with the multiple daily Zoom meetings. Those might have been necessary when videoconferencing was the only way for teams to gather. Now you can schedule periodic check-in meetings when they’re in the office and brief calls when they’re working remotely. This approach will keep you updated without looking over their shoulders.
Another way to prevent productivity paranoia is by using project management software that helps team members stay abreast of timelines and report status on project tasks. Shared calendar software lets everyone know when various team members are in the office, working from home or taking time off. This information helps the team stay in sync and enables everyone to schedule necessary meetings at mutually workable times.
The right tools provide both accountability and autonomy. Use them to keep your finger on the pulse of productivity without holding team members under your thumb.
You have a problem with obsessing over whether your employees are being productive when they’re out of sight. They have a problem with your surveillance and micromanagement. No one likes being under the proverbial microscope.
To put productivity paranoia behind you, invite your team to help you resolve the problems that arise with hybrid work arrangements. Perhaps asynchronous work schedules have become too asynchronous, and you need to schedule some overlap time to facilitate faster task handoffs. Maybe remote workers feel they’re being overlooked for plum assignments in favor of their in-office colleagues.
Whatever issues you identify, sit down—physically or virtually—and discuss the underlying reasons for them. Then work together with your team to come up with solutions that make you a more effective leader and them more productive employees. Collaborating to solve the problems and establish practices that put team members at ease will give everyone ownership of those solutions.
Doing this right will require transparency and candor. But you really are all in this hybrid situation together. To make it work, everyone will need to commit to trusting everyone else.
Just because your team members are occasionally out of sight, it doesn’t mean they’re out of mind or that you can’t trust them to be productive. If you react to hybrid work arrangements with paranoia, they will return the favor with productivity theater—and resentment. It’s your job to lead with trust so your team can follow suit.
CARSON CITY — We’re not trying to jinx anything, as the 2023 Legislature winds down toward its scheduled end at midnight Monday, but if lawmakers and the governor don’t finish their work on time, what happens?
First, let’s consider why there might be a special session, which would be the 33rd in Nevada history: We’ve reached the point where negotiations are occurring behind closed doors, with lawmakers traipsing back and forth across the capital courtyard to the governor’s office.
Still to be resolved is Gov. Joe Lombardo’s veto of a big budget bill, a pending two-thirds vote on the capital projects budget, a dispute over school choice programs and myriad policy bills, including medical malpractice caps. Oh, did we mention a $380 million subsidy for an A’s stadium and a $4 billion deal for a pair of Hollywood production studios in Las Vegas?
So yes, a special session is a real possibility.
If history is any guide, there’s a few ways this can go:
No special: In the 12 biennial sessions that have taken place since the 120-day limit was adopted by voters in 1998, there have been seven sessions that ended without need of a special session afterwards. There hasn’t been an immediate post-session special since 2013, in fact.
But in five of those 12 sessions, at least one special session has been held immediately after the regular session. They can be divided into two groups:
Cleanup session: Most special sessions that occur after a regular session are brief, held to finish a handful of items that didn’t get finished by the constitutional deadline of midnight on the 120th day. They range from one day (2005, 2007, 2013) to two days (2001). Some only lasted a matter of hours.
Doomsday scenario: In 2003, however, Republicans in the Assembly ended up in a standoff over a proposal to raise taxes to fund education and withheld the votes necessary to pass the K-12 education budget. An initial special session was called by Gov. Kenny Guinn, which lasted for 10 days but adjourned without resolving the issue.
A second special session was called in late June, and it ran for 28 days, rolling over the start of the new state fiscal year on July 1. Guinn sued the Legislature to force lawmakers to pass the education budget and the taxes to support it, and the Nevada Supreme Court — in a since-overturned ruling — said lawmakers could pass taxes without the constitutionally required two-thirds supermajority.
But after plenty of wrangling, a single Republican — the late John Marvel of Battle Mountain — switched his vote to yes, and the tax plan passed with the bare two-thirds supermajority.
The standoff led then-Congressman Jim Gibbons to spearhead a constitutional amendment approved by voters in 2004 and 2006 that requires the education budget to be passed before any other budget bill.
Other special sessions: With the 12 post-session special sessions, there have been another 11 special sessions held since 1999 to address various issues. Most are short — between one and seven days. But a couple have gone longer: In 2004, a special session called to deal with the impeachment and trial of then Controller Kathy Augustine lasted for 24 days. And the first COVID-era special session in 2020 — called to deal with the pandemic — lasted for 12 days.
In the past few days, several key lobbyists have opined that things will get done before the Monday deadline, and no special session will be necessary. That will require bridging some significant differences between the Legislature and the governor, and a lot of overtime hours in the Legislative Building.
Contact Steve Sebelius at SSebelius@reviewjournal.com or 702-383-0253. Follow @SteveSebelius on Twitter.
ragamnyakabar.blogspot.com Glen Rose’s downtown — lined with boutiques, antique shops, bookstores and cafes in early 20th century building...
