Chicago News

Pistahan Festival

Day 2 Day 1 27th Virtual Pistahan Parade and Festival Join us ‪virtually on Aug 8-9‬, 2020 for San Francisco’s 27th annual PISTAHAN PARADE & FESTIVAL, a global celebration of Filipino community, culture & cuisine — reimagined as a digital festival this year! And you can get more information from via our PistahanSF YouTube and Facebook livestream or our website: Pistahan.net

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Voting in the Time of COVID-19

It is already an uphill battle to vote for many in America with restrictive ID laws, few polling locations, and little to no paid time off for the working class to name a few reasons. We are now in the era of COVID and adjusting to living in a pandemic. What does COVID mean for the 2020 Elections state and …

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West Nile Virus Activity on the Rise in Yolo County

Elk Grove, Ca— The Sacramento-Yolo Mosquito and Vector Control District continues to monitor  West Nile virus (WNV) activity throughout the District and has found an increase in activity in Yolo County. Laboratory results obtained this week confirmed that nine mosquito samples and two dead birds tested positive for the disease in both urban and rural locations throughout the county. “We …

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PG&E Launches New Financial Assistance Pilot for Eligible Customers Installing Home Battery Storage Systems

Pilot Supports Vulnerable Customers Who Live in High-Fire Threat Areas or Have Been Impacted by Public Safety Power Shutoffs SAN FRANCISCO, Calif. — Pacific Gas and Electric Company (PG&E) today announced a new financial assistance pilot for residential customers installing home battery storage systems through the statewide Self-Generation Incentive Program (SGIP). Approved by the California Public Utilities Commission (CPUC) on …

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County of San Mateo Reinforces 2020 Census Inclusivity

Despite recent presidential memorandum declarations, County supervisorspush for a full count Redwood City — As the final push for the 2020 Census is underway, the San Mateo County Board of Supervisors confirmed today that it stands firm in the goal of ensuring a full, accurate count of all county residents despite the Trump administration’s recent action seeking to exclude unauthorizedimmigrants …

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如何在疫情蔓延期間預先為失業做好財務準備

由於冠狀病毒(COVID-19)近期快速蔓延,許多州政府開始重新考慮下達封城令和禁足令等限制。就在許多小型企業和大公司為上述可能積極準備的同時,民衆也應該開始為萬一失業時應如何因應做好準備。 “無論是經濟蕭條,突發的健康狀況,或是管理階層做出的決定,您很難預測您的收入會受到什麽影響,”Northwestern Mutual洛杉磯為根據地的理財顧問Ryan Chang表示。“無論原因爲何,預先做好準備總比事情發生後手忙脚亂來得好。” 以下是Ryan Chang提供的四點建議,幫助您在萬一突然失業時做好財務準備。 充實您的緊急預備金 雖然聯邦和各州政府都提供例如失業救濟金和振興消費券等援助和紓困計劃,但這些計劃通常無法負擔您的全部開銷。這時候緊急預備金就派得上用場了。 “一般而言,緊急預備金的數目應該相當於您全家六個月的開銷總額,”Chang表示。“但是千萬別忘了,萬一失業,您可能會有例如必須自行負擔健康保險等額外開銷。” 此外,也請考慮一下,根據目前的經濟趨勢,找新工作可能要花比以往更長的時間。更何況您的收入越高,經驗越豐富,找工作的時間可能越久。這也許就是進一步充實您的緊急預備金的理由,也許您應該把緊急預備金的金額增加到相當於您全家九到十二個月的開銷總額。” 現在就花一點時間,查看一下您的緊急預備金數額,然後考慮刪除一些不必要的花費,直到您有紥實穩固的現金保障爲止。也許您在檢疫期間省下來的錢可以用來充實緊急預備金,或是您可以從預算中迅速刪除一些沒有大礙的開支。現在開始過得稍微節儉一點,可以避免在日後萬一失業或發生其他緊急事故時必須在生活方式上做出巨大改變。 確認您有適當的保險 如果您是通過雇主加入團體人壽保險或傷殘保險,一旦失業,您可能同時失去保險提供的保障。請查看一下您通過公司獲得的保單是否屬於可轉換(portable)保單,那麽萬一您離開公司,您就可以將原來通過工作獲得的團體保單轉換為您的個人保單。 您也可以趁現在這個機會分析一下您的個人承保範圍是否合適:把公司提供的保險和您個人的承保範圍加在一起,萬一您因爲意外受傷或疾病導致在一段時間無法工作,您的承保範圍是否涵蓋您的大部分收入?萬一您發生意外事故,您的人壽保險承保範圍是否足夠保障您的家人? “越早開始購買人壽保險,保費就越便宜。所以早一點買比晚一點買要明智的多,Chang表示。 分析一下獲取現金的其它選擇 當然您的緊急預備金應該是在例如失業等緊急狀況下優先選擇的現金來源,但是必要時您也許有其他選擇。例如信用額度,人壽保險現金價值,或提領部分投資。 以上各種選擇均有其利弊: 信用額度 利:在您有需要時提供新的資金來源。 弊:您借的錢必須支付利息。如果您失業,想要取得額外信用或重新申請貸款恐非易事。最後可能變得債務纏身。 終身壽險 利:獲取現金迅速方便,還款方式靈活。 弊:您必須持有終身壽險保單許多年才能累積出可觀的現金價值,而且現金價值的增長大部分依賴無法保證的紅利。從人壽保險的現金價值借款會減低您的死亡給付,除非您在去世前將借款還清。如果沒有小心處理,利用人壽保險貸款還可能導致保單解約,造成稅務負擔。 投資 利:您用的是自己的錢,這表示您沒有債務,也不需要負擔利息。 弊:出售投資產品可能必須課稅,當然這些投資產品增值的機會也因此消失。尤其重要的是請盡量避免從退休賬戶提領現金,因爲您將來退休後的儲蓄將因此減少。儘管由於冠狀病毒有關的原因,國會最近放鬆提領退休賬戶的各項限制,但通常過早提領退休儲蓄會造成嚴重的稅務負擔。 請教理財顧問 理財顧問除了協助您建立達成您的財務生涯目標的理財計劃外,還可以協助您預先安排萬一發生不如人意的事情時的因應計劃。有理財顧問協助您預先安排好萬一失業時的財務計劃,讓您從容應對,對您的整體理財計劃會有長遠的影響。您的理財顧問也可以針對從何處提取現金協助您作出策略性選擇,在您尋找下一個機會時,仍然能夠維持穩健的理財地位。 如果缺乏適當處理,向人壽保險保單貸款可以導致負面影響。保單貸款和自動保費貸款,以及連帶累積的利息,必須在解約、失效、或受保人死亡時償還或從保單價值中扣除。在解約或失效時償還保單貸款可能造成高額稅務負擔,而保單本身可能已經沒有或只有少量現金價值來負擔稅金。如果貸款金額在保單有效期間與保單的現金價值相等,而且沒有進一步支付現金的話,保單就會失效。 Northwestern Mutual 簡介 Northwestern Mutual 幫助家庭和企業達成財務保障已有超過160年歷史。通過整體化的規範方式,Northwestern Mutual 結合專業理財顧問的專長,個人化數位體驗,和領先業界的產品,協助客戶規劃最重要的事務。總資產2903億美元,收入299億美元,和價值超過1萬9000億有效人壽保險保護,Northwestern Mutual為超過460萬依賴本公司的壽險、殘疾收入和長期照護保險、年金、中介和顧問服務的民眾提供財務保障。本公司通過財務管理和投資服務為客戶管理總額超過1610億美元的資產。Northwestern Mutual在2019財富雜誌500大(FORTUNE 500)公司中名列111,獲財富雜誌(FORTUNE®)認可為2020年「全球最受愛戴」的人壽保險公司之一。Northwestern Mutual也在J.D. Powers 2019年人壽保險滿意度調查中得到個人壽險提供者的最高評分。 Northwestern Mutual是The Northwestern Mutual Life Insurance Company (NM), Milwaukee, WI(壽險和殘疾保險、年金、及包括長期照護福利的壽險)及其子公司的市場營銷名稱。子公司包括Northwestern Mutual Investment Services, LLC (NMIS) (有價證券), 中介和買賣, …

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How to Prepare Financially for a Job Loss During a Pandemic

With the recent surge in COVID-19 cases, many states are reconsidering shutdowns and safer-at-home restrictions. As many small businesses and large companies prepare for that possibility, it’s important for people to be prepared for an unexpected job loss. “Whether it’s an upended economy, a sudden health issue or decisions by management, you can’t always predict what could impact your income,” …

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The NEW deadline for the 2020 Census is September 30, 2020

Time is running out – Complete the form NOW online, by phone or by mail! We don’t have much time left to fill out the 2020 Census questionnaire. The deadline is now at the end of September 2020.Everyone counts – Citizen or not, please fill out the questionnaire as soon as possible. You can avoid a census taker (door-knocking enumerator) …

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Tuyên bố của Giám Đốc Cục Thống Kê Dân Số Hoa Kỳ Steven Dillingham: Cung cấp Thống Kê Dân Số 2020 đầy đủ và chính xác

Ngày 3 Tháng Tám, 2020 – Cục Thống Kê Dân Số Hoa Kỳ tiếp tục đánh giá các kế hoạch hoạt động của mình để thu thập và tiến hành Thống Kê Dân Số 2020. Hôm nay, chúng tôi thông báo các bản cập nhật cho kế hoạch của chúng tôi sẽ bao gồm các giải thưởng của nhân viên …

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Highlights from the Alzheimer’s Association International Conference 2020

AAIC 2020 Highlights New Research Linking Flu, Pneumonia Vaccination &Low Early-Life BMI with Reduced Risk of Alzheimer’s and Dementia -Advances Toward an Alzheimer’s Blood Test -COVID-19’s Impact on Alzheimer’s Research, Long-Term Care and the Brain CHICAGO, JULY 30, 2020 — Research presented at the Alzheimer’s Association International Conference® (AAIC®) 2020 suggests that flu (influenza) and pneumonia vaccination after age 60, …

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