Sunday, October 25, 2020
Sunday, October 11, 2020
Article Summary from MarketWatch- Opinion: Half of Americans over 55 may retire poor
Article Key Points:
· Over half of Americans over 55 may retire in poverty
· Poverty is defined as having to live on less than $20,000 a year.
· Loss of job due to COVID and an inability to get it back; many job losses are permanent
· No employer contributions to 401K's
· Inability to save due to the impacts of job loss and having to tap into savings to survive
· Most vulnerable population are those who lose their jobs in their 50s, and unable to access Social Security or Medicare benefits
Mitigation Strategies mentioned:
· Create a six-month emergency fund
· Make full contributions to 401K, even if you do not get a match
· Teresa Ghilarducci, expert on retirement, of The New School based in New York
o For additional information from your local library or Amazon; here are some of Ms Ghilarducci's books
§ https://amzn.to/3dpxLWP ; Rescuing Retirement: A Plan to Guarantee Retirement Security for All Americans (Columbia Business School Publishing) Hardcover – Illustrated, January 23, 2018
§ https://amzn.to/36VJ1c8 ; How to Retire with Enough Money: And How to Know What Enough Is
Date of Post: 11Oct20
Saturday, August 22, 2020
Sunday, July 19, 2020
Friday, July 17, 2020
A group identifying as the elite arm of the Cartel de Jalisco de Nueva Generación that is run by Nemecio Oseguera Cervantes "El Mencho". México refuses to admit it has a narco insurgency on its hands and the US doesn't want to label these types of groups as terrorist. pic.twitter.com/kM7fuCAdWr— EDC NEWS (@EDCNEWS2) July 18, 2020
Wednesday, July 15, 2020
Sunday, July 12, 2020
These three documents, known collectively as the Charters of Freedom, have secured the rights of the American people for more than two and a quarter centuries and are considered instrumental to the founding and philosophy of the United States.
Quoted from: https://www.archives.gov/founding-docs
- Declaration of Independence
- U.S. Constitution Annotated
- Bill of Rights
Friday, March 13, 2020
Thursday, March 12, 2020
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Local business news
Three area companies make Inc.'s first Inc. 5000 series: D.C. Metro list (The Free Lance-Star)
Between 2016 and 2018, the 250 private companies on the list had an average growth rate of 196 percent and, in 2018 alone, they employed over 88,000 people and added $6.5 billion in revenue to the greater Washington area's economy.
Seminar on hiring UMW students to be held March 16 (The Free Lance-Star)
A training seminar covering the student employment platform for businesses and best practices for recruiting will be held from 9-10 a.m. March 16 at the UMW Center for Economic Development in Eagle Village, 1125 Jefferson Davis Hwy, Suite 400, in Fredericksburg.
Virginia and the District
VCU Health to acquire Riverside Tappahannock Hospital in the Northern Neck (Richmond Times-Dispatch)
The deal also calls for VCU Health to acquire Riverside's related services, including the Riverside physician practices located in Tappahannock, Warsaw, King William and Callao as well as Tappahannock Urgent Care.
Companies, agencies look to telework in combating COVID-19 (Virginia Business)
As the coronavirus continues its march into Virginia, some businesses and agencies are asking employees to telework as a precautionary measure.
Nation / World
Should You Go To Cash Until The Market Recovers Or Ride It Out? (Forbes)
Aside from the fact that in the financial markets, we only know this information in hindsight, the notion of going to cash until the market recovers also ignores another very real but less visible danger: missing out on the recovery.
I'm a founder in my 40s. Peers say I am too old to succeed. Are they right? (Fast Company)
Each week Maynard Webb, former CEO of LiveOps and the former COO of eBay, will offer candid, practical, and sometimes surprising advice to entrepreneurs and founders.
That's A Wrap
Thursday's weather (Fredericksburg.com)
A mix of clouds and sun early, then becoming cloudy later in the day. High 64F. Winds E at 5 to 10 mph.
Fredericksburg Business Insider is a product of The Free Lance-Star
1340 Central Park Blvd, Suite 100. Fredericksburg, VA 22401.
Wednesday, March 11, 2020
Officials trying to determine how Spotsylvania patient contracted coronavirus | Local | fredericksburg.com
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March 11, 2020
Coronavirus Disease 2019 (COVID-19) Update
FDA is an active partner in the coronavirus disease (COVID-19) response, working closely with our government and public health partners across the U.S. Department of Health and Human Services, and with our international counterparts. Here's what's new since our last MCMi email update on March 4, 2020.
FDA and FTC Warn Seven Companies Selling Fraudulent Products that Claim to Treat or Prevent COVID-19The U.S. Food and Drug Administration (FDA) and the Federal Trade Commission (FTC) issued warning letters to seven companies for selling fraudulent COVID-19 products. These products are unapproved drugs that pose significant risks to patient health and violate federal law. The FDA and FTC are taking this action as part of their response in protecting Americans during the global COVID-19 outbreak. The warning letters are the first to be issued by the FDA for unapproved products intended to prevent or treat "Novel Coronavirus Disease 2019" (COVID-19).The FDA is particularly concerned that products that claim to cure, treat or prevent serious diseases like COVID-19 may cause consumers to delay or stop appropriate medical treatment, leading to serious and life-threatening harm. (March 9, 2020)
Foreign InspectionsStatement from FDA Commissioner Stephen M. Hahn, M.D.On March 10, 2020, we provided an update on FDA inspections outside of the U.S. in response to the COVID-19 outbreak. After careful consideration, the FDA is postponing most foreign inspections through April, effective immediately. Inspections outside the U.S. deemed mission-critical will still be considered on a case-by-case basis.The FDA based this decision on a number of factors, including State Department Level 4 travel advisories in which travel is prohibited for U.S. government employees, Centers for Disease Control and Prevention travel recommendations, access restrictions being imposed on foreign visitors by certain countries, guidance from the Office of Personnel Management and the importance of the health and safety of our employees. Another critical factor in taking this action is the confidence we have in our ability to maintain oversight over international manufacturers and imported products using alternative tools and methods.
- Coronavirus Disease 2019 (COVID-19) information from FDA
- Coronavirus Disease 2019 (COVID-19) Frequently Asked Questions (new page!)
- White House Press Briefing COVID-19 update by FDA Commissioner Stephen M. Hahn, M.D. (March 7, 2020)
- Remarks by FDA Commissioner Hahn to the American Clinical Laboratory Association - The Commissioner's remarks highlighted the role of diagnostic testing in the COVID-19 response. (March 4, 2020)
- Fraudulent Coronavirus Disease 2019 (COVID-19) Products (new page!)
- Flickr Album: Fraudulent Coronavirus Disease 2019 (COVID-19) Products
- For more updates from FDA, follow @SteveFDA, @US_FDA, @FDA_Global, and @FDA_MCMi on Twitter
- 2019 Novel Coronavirus (CDC)
Emergency Use Authorization (EUA) Updates
- Reminder: Policy for Diagnostics Testing in Laboratories Certified to Perform High Complexity Testing under CLIA prior to Emergency Use Authorization for Coronavirus Disease-2019 during the Public Health Emergency (effective February 29, 2020) - The templates for these EUA submissions are available:
- "Accelerated" Template for Laboratories Certified to Perform High-Complexity Testing Under CLIA: EUA Template (Word doc, updated March 6, 2020)
- Test Kit Manufacturer: EUA Template (Word doc, updated March 6, 2020)
- March 6, 2020: FDA posted new FAQs on Diagnostic Testing for SARS-CoV-2
- March 10, 2020: On February 29, 2020, FDA granted an EUA to two public health laboratories in New York for a diagnostic test to identify COVID-19 (New York SARS-CoV-2 Real-time Reverse Transcriptase (RT)-PCR Diagnostic Panel). On March 10, 2020, on request from the New York State Department of Public Health, FDA re-issued the EUA with amendments incorporated to add : (1) additional authorized laboratories, (2) additional extraction methods, and (3) minor updates to intended use. Additional technical information, including fact sheets and the instructions for use have also been updated to reflect these changes
- Personal Protective Equipment (PPE) update: On March 2, 2020, in a joint effort, FDA and CDC took action (PDF, 129 KB) to make more respirators, including certain N95s, available to health care personnel. FDA has posted two documents related to this EUA.
- Appendix A: NIOSH-approved FFRs (Excel file)
- Appendix B: Authorized Respirators (PDF, as of March 6, 2020)
- March 12, 2020: FDA Grand Rounds - Modernization of Pharmaceutical Manufacturing through the Adoption of Advanced Technology (webcast)
- March 18-19, 2020: Joint Civil & DoD CBRN Symposium (Alexandria, VA) - Hosted by the Defense Strategies Institute (fee)
- March 31 - April 3, 2020: Preparedness Summit (Dallas, TX) - Hosted by the National Association of County & City Health Officials (NACCHO) (fee)You can find more information about these and other events on the MCMi News and Events page.
Information for industry (BARDA BAA)
From HHS - BARDA is investing in an array of medical countermeasures to diagnose, treat, or protect against the 2019 novel coronavirus under the BARDA Broad Agency Announcement (BAA-18-100-SOL-00003).Specifically, BARDA is pursuing the following products or technologies: diagnostic assays for human pan-coronaviruses; vaccines for novel coronavirus; therapeutics for novel coronavirus; ventilators; immunomodulators or therapeutics targeting lung repair; pre-exposure and post-exposure prophylaxis for novel coronavirus exposure; and respiratory protective devices. To learn more, including targets for product maturity under this announcement, see the newly revised BARDA Broad Agency Announcement.
In case you missed it
- From HHS - HHS to Procure N95 Respirators to Support Healthcare Workers in COVID-19 Outbreaks - As part of the government-wide efforts to respond to the global outbreak of the 2019 novel coronavirus infection (COVID-19), the U.S. Department of Health and Human Services intends to purchase 500 million N95 respirators over the next 18 months for the Strategic National Stockpile (SNS). (March 4, 2020)
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