Categoría: Geovanny Vicente

GLASSBORO, Nueva Jersey, 1 de febrero de 2021 /PRNewswire-HISPANIC PR WIRE/ — Ric Edelman, un distinguido profesor de la Universidad Rowan y uno de los más aclamados asesores financieros del país, lanzó hoy una propuesta que busca eliminar la pobreza en la jubilación para todas las futuras generaciones de estadounidenses.

Llamada RISE (Retirement Income Security for Everyone, «Seguridad de ingreso de jubilación para todos»), la propuesta de Edelman es completa y permanentemente autofinanciada, sin necesidad de apoyo financiero por parte del congreso o de los contribuyentes. En lugar de esto, el Departamento del Tesoro de los Estados Unidos vendería un bono de ahorro RISE por cada bebé nacido en Estados Unidos cada año. El dinero sería administrado según determinación del congreso.

Bajo la propuesta de Edelman, cada bono RISE de $5,884 sería redimido en 20 años, al igual que los demás bonos de ahorro de los Estados Unidos. Las redenciones y los gastos administrativos del programa serían financiados por el programa mismo, por lo que no existiría costo alguno para el gobierno ni para los contribuyentes.

Dentro de 70 años, cada bebé actual que para entonces ya estaría jubilado, comenzaría a recibir un ingreso mensual hasta la edad de 100 años. Cada bebé recibiría un ingreso suficiente como para ubicarse en el nivel promedio de ingreso de todos los hogares de Estados Unidos. Todos los niños recibirían beneficios del programa RISE, y aquellos nacidos en hogares de menores ingresos recibirían más que los nacidos en hogares de mayores ingresos.

«RISE elimina la pobreza en la jubilación para todas las generaciones futuras de estadounidenses», señaló Edelman, quien fundó Edelman Financial Engines, la firma independiente de planificación financiera y gestión de inversiones más grande del país, que administra $260,000 millones para 1.2 millones de familias estadounidenses. Múltiples publicaciones de la industria se han referido a Edelman como uno de los líderes de opinión más influyentes del campo de los servicios financieros, y ha sido nombrado el Asesor Financiero Independiente no. 1 (Independent Financial Advisor #1) tres veces por Barron’s.

«La clave de RISE es siete décadas de crecimiento compuesto», señaló Edelman. Señaló que solamente una persona, Benjamin Franklin, aplicó el principio de capitalización a períodos tan extensos.

«Benjamin Franklin aportó dinero a las ciudades de Boston y Filadelfia», dijo Edelman, «con la estipulación de que no tocaran el dinero durante 100 años. Su predicción generó un enorme apoyo financiero a ambas ciudades». Edelman escribió acerca de la voluntad de Benjamin Franklin para ilustrar la manera en que las pequeñas donaciones pueden llegar a valer muchos millones de dólares después de muchas décadas de crecimiento.

«Un financiamiento único de $5,884 al momento del nacimiento es suficiente para dar a cada jubilado un ingreso anual de $120,000 comenzando a la edad de 70 años», dijo Edelman. En contraste, el trabajador promedio gastará más de $420,000 contribuyendo a un plan 401(k) y al seguro social, pero recibirá un ingreso menor en su jubilación de lo que ofrece RISE, señala.

«Eso es porque los trabajadores solamente ahorran durante tres o cuatro décadas. Al permitir que el dinero crezca durante siete décadas, el programa RISE libera el verdadero poder a largo plazo de la capitalización», señaló Edelman.

Millones de jubilados llegan al momento de su jubilación con ahorros insuficientes porque no ganan suficiente dinero como para ahorrar, dijo. Desde 1970, los ingresos del 5 % superior de los hogares han crecido a más del doble, mientras que los ingresos del quinto inferior de los hogares disminuyeron un 15 %, según el Pew Research Center.¹ En consecuencia, las familias de ingresos más altos en 2016 tenía 75 veces más riqueza que las familias de ingresos más bajos, en comparación con 28 veces en 1983.

«RISE es un importante plan para complementar el seguro social para las futuras generaciones, con el fin de garantizar jubilaciones seguras y protegidas, especialmente para los estadounidenses de bajos ingresos, al comenzar a financiar la jubilación al momento del nacimiento», dijo James Lockhart III, excomisionado adjunto y director de operaciones de la Administración de Seguridad Social. «El mecanismo de financiamiento es un enfoque muy innovador que debiese ser explorado».

«Esto es algo que les debemos a los más jóvenes; proporcionar caminos hacia la seguridad financiera en la vejez, y RISE representa exactamente el tipo de pensamiento innovador que necesitamos», dijo Laura L. Carstensen, Ph.D.,
profesora de Políticas Públicas de Fairleigh S. Dickinson Jr. y directora del Centro de Longevidad de la Universidad de Stanford.

«Este es el momento para las grandes ideas», dijo Paul Irving, director del Centro para el Futuro del Envejecimiento del Instituto Milken. «RISE es un plan audaz que busca garantizar que todos los niños estadounidenses puedan gozar de una jubilación financieramente segura. El programa RISE ofrece la oportunidad de reducir las brechas y cambiar el futuro financiero de las futuras generaciones estadounidenses».

«Esta propuesta innovadora orientada a ayudar a reducir la pobreza y la desigualdad en los ingresos en los EE. UU. puede ser elegantemente implementada para beneficiar a la sociedad en general», comentó Ihsan Isik, Ph.D., profesor de banca y finanzas internacionales en la Escuela de Negocios William G. Rohrer de la Universidad Rowan.

Jason Grumet, fundador y presidente del Centro de Políticas Bipartidistas, indicó: «A medida que el país se enfrenta al doble desafío de la seguridad y la desigualdad en la jubilación, se necesitan ideas innovadoras como la que propone RISE para abordar la seguridad de la jubilación para todos».

RISE es una forma permanente y completamente autofinanciada de garantizar que todas las generaciones futuras de estadounidenses puedan disfrutar de una jubilación financieramente segura.

Lea la propuesta y las Preguntas Frecuentes (FAQs) en www.WeCanRise.com.

¹https://www.pewsocialtrends.org/2020/01/09/trends-in-income-and-wealth-inequality/

FUENTE Rowan University

Changes to Prop 65 warnings and five substance restricted under TSCA

OTTAWA, ON, Jan. 19, 2021 /PRNewswire/ – On February 3 2021, Claigan Environmental Inc. (www.claigan.com) will present a webinar on the significant changes to both California Proposition 65 and US TSCA.  Under the proposed Prop 65 changes, the generic small form warnings will be replaced by warnings that include identification of at least one chemical.  Under TSCA, in January 2021, the US EPA has banned five substances in articles.  In both cases, the deadlines are in 2022 – leaving companies with very little time to prepare.

California Proposition 65 (Prop 65) is the most heavily enforced restricted materials legislation in the world, with over 300 prosecutions per month.  Prosecutions under Prop 65 have been avoidable by providing simple generic warnings on products or packaging.  Under the proposed amendments, companies will now have to identify specific chemicals in their generic warnings.  In the first half of the webinar, Claigan will go into specific detail on the changes including practical outcomes.

Unlike the EU and California, the US, at a federal level, has had very few chemical restrictions in products.  Under the new final rules published by the EPA in January 2021, five substances will now be banned in articles.  In the second half of the webinar, Claigan will describe the restrictions, deadlines, common uses of the chemicals, and practical approaches to compliance, considering the short deadlines involved.

The main topics to be covered in this webinar are –

• Prop 65
• Current warning rules
• Changes to short form warning rules
• Identification of chemical substances
• Timelines
• Practical approaches to compliance
• US TSCA Final Rules
• 5 Substances newly restricted
• Scope and deadlines
• Common uses for each for the chemicals
• Practical approaches to compliance

Due to the interest in these topics, two (2) webinars will be held on February 3 to accommodate a larger audience.

Webinars – Changes in US Restricted Materials Requirements
Date: 3 February 2020
Time: 10am and 2pm EST
Duration: 1 hour plus Q&A
To Register: https://attendee.gotowebinar.com/rt/2816298291875716879 or on Claigan Website at www.claigan.com/webinars

Register now or send an e-mail to webinar@claigan.com.  For more information on Claigan Environmental’s restricted materials services – see Claigan’s services at www.claigan.com

About Claigan Environmental (www.claigan.com)

Claigan is a leading provider of regulatory consulting and ISO 17025 accredited laboratory testing for restricted materials legislation.  Claigan analyzes and tests hundreds of products a year for restricted materials compliance.  Claigan is dedicated to providing practical solutions for supply chain due diligence and social responsibility.  At Claigan, we believe in ‘More Results.  Less Journey.’

View original content:http://www.prnewswire.com/news-releases/r-e-p-e-a-t—-claigan-environmental-webinar—changes-in-us-restricted-materials-compliance-301218327.html

SOURCE Claigan Environmental Inc.

Called RISE (Retirement Income Security for Everyone), Edelman’s proposal is permanent and completely self-funding, with no financial support needed by Congress or taxpayers. Instead, the U.S. Treasury Department would sell one RISE Savings Bond for each baby born in America each year. The money would be managed as determined by Congress.

Under Edelman’s proposal, each RISE Bond of $5,884 would be redeemed in 20 years, just like other U.S. Savings Bonds. Redemptions and the program’s administrative expenses would be funded by the program itself so there would be no cost to the government or taxpayers.

In 70 years, the now-retired babies would each begin receiving monthly income through age 100. Each baby would receive enough income to place them at the median income of all U.S. households. Every child would receive benefits from RISE, and those born into lower-income households would receive more than those born into higher-income households.

«RISE eliminates poverty in retirement for all future generations of Americans,» said Edelman, who founded Edelman Financial Engines, the largest independent financial planning and investment management firm in the nation, managing $260 billion for 1.2 million American families. Several industry publications have called Edelman one of the most influential thought leaders in the financial services field, and he was named the country’s #1 Independent Financial Advisor three times by Barron’s.

«The key to RISE is seven decades of compound growth,» Edelman said. He noted that only one person—Benjamin Franklin—ever applied the principle of compounding to such long periods.

«Benjamin Franklin gave money to the cities of Boston and Philadelphia,» Edelman noted, «with the stipulation that they not touch the money for 100 years. His foresight produced huge financial support to both cities.» Edelman wrote about Benjamin Franklin’s will to illustrate how small donations can become worth many millions of dollars after many decades of growth.

«A one-time funding of $5,884 at birth is enough to give each retiree $120,000 in annual income starting at age 70,» Edelman said. By contrast, the average worker will spend more than $420,000 contributing to a 401(k) and Social Security – yet will receive less income in retirement than RISE provides, he noted.

«That’s because workers only save for three or four decades. By letting money grow for seven decades, RISE unleashes the true long-term power of compounding,» Edelman explained.

Millions of retirees enter retirement with insufficient savings because they don’t earn enough money to save, he said. Since 1970, incomes for the top 5% of households have more than doubled, while incomes for the bottom fifth of households fell 15%, according to the Pew Research Center.¹ As a result, upper-income families by 2016 had 75 times more wealth than the lowest-income families – up from 28 times in 1983.

«RISE is an important plan to supplement Social Security for future generations to ensure safe and secure retirements, especially for lower income Americans, by starting to fund retirement at birth,» said James Lockhart III, Former Deputy Commissioner and Chief Operating Officer of the Social Security Administration. «The funding mechanism is a very innovative approach that should be explored.»

«We owe it to the youngest among us to provide paths to financial security in old age and RISE represents exactly the kind of out-of-the-box thinking we need,» said Laura L. Carstensen, Ph.D.,
Fairleigh S. Dickinson Jr. Professor in Public Policy and Director of Stanford University’s Center on Longevity.

«This is the time for big ideas,» said Paul Irving, Chairman of the Milken Institute Center for the Future of Aging. «RISE is a bold plan to ensure that every American child can look forward to a financially secure retirement. RISE offers the opportunity to narrow gaps and change the financial futures of future American generations.»

«This innovative proposal to help reduce poverty and income inequality in the U.S. can be elegantly put into use to benefit the society at large,» said Ihsan Isik, Ph.D., Professor of International Banking and Finance in Rowan University’s William G. Rohrer College of Business.

Jason Grumet, Founder and President of the Bipartisan Policy Center, said, «As the country grapples with the twin challenges of retirement security and inequality, innovative ideas like RISE are needed to address retirement security for all.»

RISE is a permanent and completely self-funding way to ensure that all future generations of Americans enjoy a financially secure retirement.

Read the proposal and FAQs at www.WeCanRise.com.

¹https://www.pewsocialtrends.org/2020/01/09/trends-in-income-and-wealth-inequality/

View original content:http://www.prnewswire.com/news-releases/a-plan-to-eliminate-poverty-for-all-retirees-301218278.html

SOURCE Rowan University

TAMPA BAY, Fla., Feb. 1, 2021 /PRNewswire/ — A new study conducted by the renowned sustainability experts of the DFGE research institute shows that TeamViewer, a global leader in secure remote connectivity solutions, is enabling companies to limit their carbon footprint and thus contributes to avoid approx. 37 megatons of CO₂ equivalent (CO₂e) emissions per year. Through the use of TeamViewer technology to remotely maintain or repair machines, monitor networks and access computers and other devices, distances across the globe can be bridged easily and traveling from one place to another becomes unnecessary in many cases. Based on data from 2019 and calculations from 2020, a single connection via TeamViewer can avoid 13 kilograms of CO₂e emissions on average – the equivalent to 5.5 liters of gasoline or driving a car from San Francisco to San Jose.^[1] The new data also shows that an average TeamViewer subscriber avoids approx. 4 tons of CO₂e per year which is as much as a 100,000 km train ride – or 2.5 times around the world. The use of TeamViewer’s innovative solutions is reducing the travel distance of TeamViewer users and subscribers worldwide by millions of kilometers each year as more and more tasks can be performed from afar.

Stefan Gaiser, CFO of TeamViewer, says: «We are incredibly proud of the impact our products are having in helping our subscribers and millions of non-commercial users around the world reduce their CO₂e emissions each year. At TeamViewer, we are fully convinced that digitalization is a key lever to fight climate change and ultimately create a greener and more sustainable future for all of us. Therefore, we are committed to constantly developing a new range of tailored and innovative solutions that connect people and all kinds of devices around the world and make travel activities more redundant.»

Dr. Thomas Dreier, VP Innovation & Solutions and Co-Founder DFGE, says: «Carbon footprint accounting builds the basis for sustainability. Especially product carbon footprints are very complex projects as production, usage, maintenance, and disposal need to be considered. We were very excited to accompany TeamViewer’s efforts with investigating user habits in-depth and their effects on CO₂ emissions.»

A central part of the detailed study was a voluntary, anonymous online survey, conducted between October and November 2020 among users of TeamViewer. The 1,007 participants were almost evenly distributed across EMEA, APAC and AMERICAS, around 60% were paying customers, the other participants were private non-commercial users.

One challenge of the study was that TeamViewer’s solutions can be used for various scenarios and use cases in all industries. Ranging from service technicians maintaining deep-sea cranes hundreds of kilometers offshore without travelling by plane, to IT specialists remotely managing the global server infrastructure for their company and friends and family helping each other with IT problems – regardless of where they live. That is why the DFGE developed 216 descriptive user profiles to represent as many different use cases as possible. These profiles evaluated whether TeamViewer is used daily, weekly, monthly, or annually, and calculated how many trips with which distance would or could be replaced as well as which means of transport would most likely be used for the trip. Travel avoidance as the primary effect of avoided emissions was considered for this study. In addition, there could also be rebound or secondary effects, such as less road damage due to reduced car trips when using TeamViewer. However, these were not taken into account.

Based on the usage scenarios, TeamViewer users and customers were asked in the online survey to estimate their travel activities in each case, if they would not use TeamViewer. To further validate the data, a sample of TeamViewer customers – differing in terms of industry, product application and size – were questioned in qualitative expert interviews. Considering the results of the online survey, the qualitative expert interviews and company data regarding TeamViewer connections, the avoided emissions through TeamViewer solutions were estimated to be 37 megatons CO₂e, which is comparable to…

… the emissions of 11 million cars on average per year – more cars than registered in the Netherlands.^[2]
…twice the emissions emitted by the city of Munich in 2019.
… a fully booked A380 flying 7,000 times non-stop from Singapore to New York.
… the amount of carbon that 3.5 billion trees can bind in one year.

The results show: Technology enabling digitalization does play an important role in limiting carbon emissions and thus in achieving the sustainability goals to limit global warming preferably to 1.5 degrees Celsius defined in the Paris Climate Agreement. TeamViewer is conscious of the huge positive impact its solutions have on the environment and thrives to develop more use cases for a wide range of industries and applications to bridge distances, remove knowledge gaps and enable even more people globally to limit CO₂e emissions.

Please visit our homepage for more information. Here you can also find a short, animated video which summarizes the findings of the study: https://www.teamviewer.com/en/co2-study/

About DGFE
Founded in 1999 as a spin-off of the technical University of Munich, the DFGE – Institute for Energy, Ecology and Economy provides consulting services in the field of sustainability. Our offer Sustainability Intelligence featuring calculation management, reporting solutions and strategy development aims at bundling the effort of taking part in several sustainability/CSR standards and rankings like Carbon Disclosure Project (CDP), United Nations Global Compact (UNGC), Dow Jones Sustainability Index (DJSI), EcoVadis or Global Reporting Initiative (GRI) as well as building overarching strategies, such as a sustainability strategy according to the Sustainable Development Goals (SDGs). As the unique partner of the CDP for Science-based Targets (SBTs), DFGE provides its customers with comprehensive advice on climate strategy and helps them to operate climate-neutrally at product level or company-wide. To enable a future AI-based CSR management, DFGE researches in big data approach and machine learning. Our clients comprise international companies (DAX and fortune 500), SMEs, governmental organizations or territorial authorities.

About TeamViewer
TeamViewer is a leading global technology company that provides a connectivity platform to remotely access, control, manage, monitor, and repair devices of any kind – from laptops and mobile phones to industrial machines and robots. Although TeamViewer is free of charge for private use, it has more than 550,000 subscribers and enables companies of all sizes and from all industries to digitalize their business-critical processes through seamless connectivity. Against the backdrop of global megatrends like device proliferation, automation and new work, TeamViewer proactively shapes digital transformation and continuously innovates in the fields of Augmented Reality, Internet of Things or Artificial Intelligence. Since the company’s foundation in 2005, TeamViewer’s software has been installed on more than 2.5 billion devices around the world. The company is headquartered in Goppingen, Germany, and employs more than 1,200 people globally. In 2019, TeamViewer achieved billings of around EUR 325 million. TeamViewer AG (TMV) is listed at Frankfurt Stock Exchange and belongs to the MDAX. Further information can be found at www.teamviewer.com

Contact TeamViewer
Press
Pia Bartenschlager
Corporate PR
Phone: +49 (0) 7161 97200 10
E-Mail: press@teamviewer.com

References:

^[1] Assuming 7,8 liters per 100km (Source: Statista 2020)
^[2] Source: Statista (2018)

View original content:http://www.prnewswire.com/news-releases/new-study-shows-teamviewer-solutions-help-to-avoid-37-megatons-of-co2-emissions-per-year-301218963.html

SOURCE TeamViewer