Sign ups for the Affordable Care Act start in a week, and the program is leading to changes in the way employers handle health coverage.

Steve Julian: Business analyst Mark Lacter, what's the most noticeable adjustment?

Mark Lacter: Steve, once you get beyond the squabbling over efforts to defund the new law, what's happening is quite remarkable: businesses are finding new ways to administer and pay for coverage - and some would say it's long overdue.  One interesting example: the grocery chain Trader Joe's, which is based in Monrovia, employs over 20,000 people, and shells out millions of dollars a year in helping provide its people with health insurance.  Well, Trader Joe's has decided to end coverage for part-timers working fewer than 30 hours a week - under the new law businesses are not obligated to provide benefits to employees who work less than that amount.  However, the company is giving those people $500 to go towards the purchase of premiums at the new public exchanges.  And that, along with the tax credits available, could make the new arrangement cost about the same or even cheaper than the current health care package.

Julian: How did TJ's explain this to its employees?

Lacter: The company cited the example of an employee with one child who makes $18 an hour and works 25 hours a week.  Under the old system, she pays $166 a month for coverage; under the new system, she can get a nearly identical plan for $70 a month.  Now, there are cases in which workers will end up paying more - usually it involves having a family member who makes more money, but who doesn't have access to coverage (good example would be an independent contractor or freelancer).  By the way, other companies - including the drug store chain Walgreen's - are also moving part-timers to the public market, and offering some sort of a subsidy.

Julian: I imagine not all companies are being as conscientious...

Lacter: No.  We've seen a number of corporations cut worker hours and not offer a supplemental payment.  Steve, it's worth remembering that administering health insurance is something that businesses fell into quite by accident 60 years or so ago - premiums cost next to nothing at the time, and it was seen as way of attracting workers without having to jack up wages.  The arrangement became more attractive over the years because of certain tax benefits.  But, it's far from ideal - workers move from job to job more often than they used to, and not all businesses are capable of handling the extra costs, especially small businesses.

Julian: Doesn't L.A. have a higher percentage of uninsured than elsewhere?

Lacter: Considerably higher - the Census Bureau show that 21 percent did not have coverage in 2012, which is higher than the overall national number.  Now, there are a bunch of reasons for this: L.A. has a large percentage of households that simply can't afford health insurance or don't have access to government programs, among them undocumented immigrants.  You also have big numbers of people who are self-employed and don't get covered - we're talking about freelancers or consultants of some sort.

Julian: …Or, they work for small businesses whose owners either can't afford, or don't want to provide coverage…

Lacter: That's right - the new law only requires businesses with more than 50 full-time workers to offer health insurance, and a lot of small businesses don't meet that threshold.  The Census Bureau says that in the L.A. area, one in four people with jobs do not have health insurance - and, by the way, there's been a drop-off both in the percentage of businesses in California that offer coverage.

Julian: Sounds dire.  Who picks up the cost?

Lacter: Well, we all do in one way or another - and that, of course, is the problem.  What the Affordable Care Act offers is a start in getting some of the uninsured onto the rolls.  Clearly, it's an imperfect solution that will require all sorts of adjustments, and even though everyone and their uncle seems to have formed a definitive opinion about the new law, it's going to be years before there's any real sense of how it's going.  And, let's remember, signing up for these programs is not some political act.  It's just a way for people to get health insurance for themselves and their families.

Mark Lacter writes for Los Angeles Magazine and pens the business blog at LA Observed.com.

This content is from Southern California Public Radio. View the original story at SCPR.org.

Police say TSA agent Gerardo Hernandez was shot and killed last Friday at the base of the escalators of LAX Terminal 3, and not at the checkpoint gates.  Paul Ciancia is accused of killing Hernandez and wounding several others.  Ciancia remains hospitalized in critical condition.

Steve Julian: Business analyst Mark Lacter, how did the airlines respond to shooting and its aftermath?

Mark Lacter: Generally pretty well, Steve, considering that the airport was effectively closed for several hours on Friday, and most of Terminal 3 was out of commission until Saturday afternoon.  You know, there's always this precarious balance in operating airlines and airports, even in the best of circumstances.  Just so many flights coming in and going out, and so many thousands people using the facility at any given time - and it really doesn't take much to upset the balance.  So, when you have something horrific take place and you see all those travelers stranded outside the terminals, the ripple effects are enormous - not just at LAX but all over the country.

Julian: More than a thousand flights were either canceled or delayed on Friday.

Lacter: And, there was a further complication because the airlines flying out of Terminal 3 are not the legacy carriers like United, American, and Delta that have all kinds of resources, but smaller operations with less flexibility.  It's not like there's an empty aircraft just sitting in a hangar waiting to take passengers wherever they want to go.  Actually, the airlines have gotten better at arranging re-bookings when there's a snowstorm or some other emergency that gives them advance warning.  But obviously, there was no advance warning last Friday, so the carriers needed to improvise in handling passengers whose flights were cancelled.

Julian: What did they do?

Lacter: One step was waiving the fees normally charged to re-book flights (and that's gotten to be a pretty penny).  Another was waiving the difference in the price of the original ticket and the re-booked ticket.  But, the policies varied according to the airline, and we heard about travelers not receiving hotel or food vouchers, or having to buy a brand new ticket on another airline if they wanted to avoid the wait - and that can be expensive.  Which raises another issue: planes tend to be completely full these days because airlines have been cutting back on the number of flights.  And that can be a problem if you're taking a route that doesn't have too many flights in the first place.  So, it gets really complicated.

Julian: Why do you think we haven't we heard more horror stories from passengers?

Lacter: Well, look at the cities that the airlines in Terminal 3 fly to - New York, San Francisco, Seattle, Dallas.  They're all served by several other carriers.  L.A. to New York, in particular, is one of the busiest routes in the world, which means that it's also one of the most competitive.  So, even if your flight was cancelled, there's a good chance you'd be able to find space by Saturday (which is normally a slower day for air travel).  This is a big reason, in general, why people like LAX.

Julian: Why don't other local airports handle more of the load?

Lacter: You might remember a few years ago local officials were promoting something called "regionalization" - the idea was that as LAX maxed out on the number of passengers it was allowed to handle each year, then other airports would make up the difference - places like Ontario, Bob Hope in Burbank, and John Wayne in Orange County.

Julian: Right, and they talked about easing traffic congestion by spreading around the flights.

Lacter: Well, regionalization never happened because, first of all, passenger levels at L.A. International didn't come close to maxing out.  But, more importantly, because the airlines decided that using LAX was more efficient for everything from handling baggage to arranging international connections.  So, through the first nine months of the year, passenger traffic at LAX is up 4.2 percent from a year earlier, while at Ontario traffic was down 9.3 percent.  And, we've seen that John Wayne, Bob Hope, and Long Beach are all struggling.  Of course, the challenge at a busy place like LAX is making it as safe as possible, and that will no doubt become a priority in the weeks ahead.

Mark Lacter writes for Los Angeles Magazine and pens the business blog at LA Observed.com.

This content is from Southern California Public Radio. View the original story at SCPR.org.

Snacks packed in flexible bags are a challenge for manufacturers of packaging machines. These bags are extremely sensitive and need to be handled with care.

In this role, Rien will leverage years of food industry experience, strong technical expertise, and relationship-building skills to drive growth for AAK in the U.S.

Personal protective equipment (PPE) for the eyes and face is designed to prevent or lessen the severity of injuries to workers.

Event Begins: Thursday, November 14, 2024 4:00pm
Location:
Organized By: University Career Center

Have you ever been interested in being a part of a Fortune 100 retailer supporting the heart of the business? If so, The TJX Companies, Inc., the parent company of TJ Maxx, Marshalls, HomeGoods, HomeSense, and Sierra are looking for enthusiastic and committed individuals from a broad range of backgrounds and experiences to join our Merchandising team as we believe it is important thatour workforce reflect the diversity of our customers and the communities we serve. Merchandising is the heart of our business. Our Buying and Planning & Allocation teams work together to drive sales and profit for TJX. They create the “WOW” you find in our stores!Ifyou have an entrepreneurial spirit and are passionate about blending youranalytical and creative mindset to drive a business, we are currently recruiting Sophomores and Juniors for our Merchandising Internship Program for Summer 2025.Please see below to review our opportunity. Should you choose to apply, we will be reviewing your resume and be in touch with any next steps.CLICK HERE TO APPLY TODAY! 

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By OSCE Secretary General Lamberto Zannier

Today we celebrate a significant milestone for Montenegro and its people. A decade ago, the country restored its independence. At the same time, Montenegro also joined the Organization for Security and Co-operation in Europe (OSCE), which with 57 participating States is the largest regional security organization worldwide.

By becoming a full-fledged OSCE participating State, and by inviting an OSCE field mission into the country, Montenegro entrusted the OSCE with important responsibilities to assist the country’s development. Hand in hand with Montenegro’s young state institutions and civil society, we embarked on responding to the country’s evolving needs with great enthusiasm.

Evolving democracy

I am proud that we have been able to make a substantial contribution towards further advancing the country’s democratic reform process. Through the hard work and energies of our Montenegrin partners, we can now see that these efforts have borne results and delivered tangible benefits for Montenegrin citizens.

The responsibility displayed in overcoming the recent political crisis is important above all for the people of this country but it is also a positive signal that resonates in the wider region. Political leaders managed to bridge their differences by reaching a compromise that will serve the public interest. It showed us that a crisis can turn into an opportunity.

With strong leadership to success

Leadership, a long-term vision and willingness to compromise will all be greatly needed in the coming months to ensure full implementation of all adopted laws and agreements, thereby creating a level playing field for the parliamentary elections scheduled for this autumn. The elections will be an important test for the country. At present, the Mission to Montenegro is providing technical assistance to the State Election Commission, who will play a key role in the administration of the coming elections.

Public trust requires commitment

Full implementation of necessary laws is vital, particularly in countering transnational threats, strengthening the rule of law and protecting media freedoms. That is where the OSCE can help. We will continue providing assistance in the implementation of many aspects of the reform process in accordance with our mandate. The OSCE, as a strategic partner, can continue to assist Montenegro in developing strong and independent institutions that enjoy wide public trust. Key changes need time, dedication and commitment by all stakeholders.

Diversity and pluralism a key objective

Looking at the broader international context, we see mounting challenges and a complex security environment. Armed conflict is once again a reality on European soil. Unprecedented waves of refugees and migrants continue to test the unity of the international community, and extremist movements continue to promote radical ideologies that threaten dialogue and peaceful coexistence. In these challenging circumstances, building and empowering diverse and pluralistic communities is fundamental, as is the promotion of dialogue and tolerance.  

These challenges show how volatile stability can be and how crises can escalate into violent conflict. Particularly in times of growing tensions, they also underscore the importance of the OSCE’s unique role as a platform for dialogue and as a driver for joint action.

Regional security – Montenegrin security

Only last year, the OSCE marked the 40th anniversary of the Helsinki Final Act, which is the foundation of our security order and the OSCE’s comprehensive approach to security. It is thanks to this heritage that the OSCE Mission to Montenegro has become engaged in many diverse activities, from destroying heavy weapons and unsafe and obsolete military ammunition to supporting the rule of law, democratic policing and good governance, or enhancing environmental awareness and security.

We are pleased with what the OSCE has accomplished not only in Montenegro, but across the Western Balkans. The Organization has played an important role in post-conflict rehabilitation, promoting human rights and building democratic institutions. We have not acted alone but in co-operation with our national and international partners. We believe that strong partnerships offer the best guarantee for broad participation, effectiveness and our joint success.

Legitimate aspirations of today – concrete realities of tomorrow

We commend Montenegro’s achievements, its commitment to further democratic progress, and its role as a recognized factor for stability in the region. Working closely with the Montenegrin authorities and citizens, the OSCE will further develop its role as a partner that is responsive to the country’s evolving strategic priorities. We stand ready to support Montenegro as it continues to progress along the path of reform, where the legitimate aspirations of today can become the concrete realities of tomorrow. 

Related Stories

• OSCE Secretary General Zannier encourages all parties in Montenegro to engage constructively on full implementation of April political agreement
• The South East European Cooperation Process Summit
• Strong multilateral institutions, confidence-building instruments key in addressing divisions, say participants of OSCE Security Days in Berlin

The OSCE Office for Democratic Institutions and Human Rights (ODIHR) on 6 June 2016 released a publication to assist OSCE participating States in better following up on recommendations from final reports by election observation missions.

The Handbook on the Follow-up of Electoral Recommendations – the first tool of its kind for the OSCE region – outlines the key issues when developing and implementing electoral legislation and practice, based on ODIHR’s election observation missions, in line with OSCE commitments and international standards.

"With this handbook, we hope to establish a more systematic approach to follow-up to election observation activities, that is clearer and more consistent and, at the same time, puts emphasis on the implementation of recommendations," said Michael Georg Link, Director of ODIHR. "This handbook can serve as a practical guide for ODIHR in supporting interested participating States in their efforts to follow up on electoral recommendations."

The handbook combines explanations of technical aspects related to follow-up activities with examples of ways ODIHR can help participating States in improving their electoral legislation and processes.

ODIHR developed the handbook as part of its continued efforts to improve its methodology and to increase professionalism in its election observation activities.  All OSCE participating States have committed themselves to promptly follow up on ODIHR election assessments and recommendations.

Related Stories

• OSCE/ODIHR final report on early parliamentary elections in Serbia recommends comprehensive review of legislation and ensuring the level playing field for contestants
• OSCE/ODIHR final report on the former Yugoslav Republic of Macedonia’s postponed early parliamentary elections recommends continuing electoral reform process
• OSCE/ODIHR and Venice Commission meet on electoral reform in Armenia

Tri-Built Materials Group is now offering Contractor Grade hand-held torch kits designed for multiple uses and application of roofing materials.

Phil Spencer just confirmed that Microsoft wants to release an Xbox handheld. He also said that the company is still working on an Xbox mobile store and exploring more studio acquisitions.

The post Phil Spencer Discusses Microsoft’s Xbox Handheld and Mobile Store Plans appeared first on Thurrott.com.

Fredrick King caught a two-handed alley-oop that extended the Creighton Bluejays' lead over the HCU Huskies.

Microsoft's gaming division is developing prototypes for a handheld gaming device that won't launch for "a few years," gaming chief Phil Spencer said Wednesday. In an interview with Bloomberg, Spencer said that while Microsoft is actively working on prototypes, the company will first focus on improving its Xbox app performance on existing portable devices and establishing hardware partnerships. The gaming unit wants to be "informed by learning and what's happening now" before introducing its own device, Spencer said. "Longer term, I love us building devices," Spencer said, adding that Microsoft's team "could do some real innovative work."

Read more of this story at Slashdot.

With the GOP retaining control of the House, Trump will enjoy a trifecta for at least the first two years of his term.

A Philadelphia judge has explained why he didn't shut down Musk's $1M-a-day sweepstakes last week.

[Government of Mauritius] Dr Navinchandra Ramgoolam has been sworn-in as Prime Minister of the Republic of Mauritius, this afternoon, during a ceremony held at the State House, in Réduit. The newly appointed Prime Minister took the oath of Allegiance and oath of Office before the President of the Republic of Mauritius, Mr Prithvirajsing Roopun.

The Liberals want Susan Corkum-Greek removed from the ballot in the upcoming provincial election, but the Nova Scotia Supreme Court confirmed Wednesday it will not hear the case until after voting day on Nov. 26.

Xbox is exploring a PC gaming handheld, Microsoft Gaming CEO Phil Spencer told Bloomberg. In an earlier interview with IGN, Spencer had mentioned a hypothetical “Xbox gaming handheld PC device,” which now appears to be in the early research and prototyping stage.

Spencer told IGN that he liked his Asus ROG Ally, Lenovo Legion Go and Steam Deck and that local play would be important to include if Xbox were to design a handheld console. As Kotaku noted, it's not clear what unique features an Xbox handheld would bring to the table. Still, any new piece of hardware is years away, Spencer told Bloomberg.

For now, work on the Xbox app — which works on existing handhelds — would be the priority, Spencer said, admitting it leaves room for improvement.

There has been a surge in digital mental health solutions, making it difficult to know which ones are effective. One Optum exec weighed in on how she’s managing this challenge.

The post How One Optum Exec Is Handling the Influx of Digital Mental Health Solutions appeared first on MedCity News.

The residents of Chuglu village in Gumla Assembly constituency boycotted the polling on Wednesday to protest against poor roads, streets and other civic amenities. They are frustrated over lack of basic and essential infrastructure in their villages.

As voting for the first phase of the Jharkhand Assembly elections covering 43 seats began at 7 A.M. on Wednesday, several prominent figures, political leaders, and candidates were among the early voters at their respective booths, stressing upon the importance of fulfilling one's duty.

Prime Minister Narendra Modi, while addressing a large gathering at Sarath Assembly seat in Jharkhand's Deoghar district on Wednesday, vowed to address the declining tribal population and infiltration in the Santhal regio

1. Jharkhand Phase-I Assembly poll records over 65% turnout; Wayanad bypoll 64.72%  The Hindu
2. Watch: MS Dhoni casts his vote in Ranchi for Jharkhand Assembly Elections  The Times of India
3. First phase of polling ends in Jharkhand with 64.86% turnout of voters  The Hindu
4. Situation in West Asia matter of deep concern: Jaishankar  The Economic Times
5. Jharkhand Assembly elections: High voter turnout recorded in Maoist-hit pockets  Telegraph India

Nobody cares what you want unless you speak up to tell them. That's how Tracy Panase became CEO of Just Between Friends.

Mr. Patra claimed that the Congress wanted to give 4% reservation to the Muslim organisations and contractors in public tenders

Police say 29 cases have been registered. Probe by district joint registrar of Cooperative department finds 26 persons, mostly members of previous director boards, accountable for irregularities to the tune of ₹33.33 crore

Known for raising local issues, the 30-year-old leader hails from Kurmi (Mahtos) community that comprise 22% of the total population, the largest chunk after tribals and plays a decisive role in at least 30 seats

Polling was held in 15 districts of Jharkhand and the Kharsawan Assembly seat received the maximum polling of 77.32%, Ranchi, the State capital of Jharkhand witnessed the lowest polling with just 51.5%

President-elect Donald Trump's decision to name Army veteran and outspoken Fox News commentator Pete Hegseth as his choice to lead the Pentagon and the 1.3 million active duty men and women in uniform was a surprise to supporters and opponents alike, raising immediate questions over whether Mr. Trump's often-rocky relations with the military brass in his first term will be repeated in his second.

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Retailers are asking the government to review the eligibility conditions for the second phase of its 10,000-baht handout to ensure the target groups are helped, in particular vulnerable groups affected by the economic slowdown.

More than half of the UK adult population have bought a second-hand item online in the last year – and it’s not just the youngest clicking away, as older consumers are also driving the second-hand shopping mega-trend, according to Evri’s inaugural UK Ecommerce Pulse report.