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  • MIL-OSI Global: What Labour’s first budget means for wages, taxes, business, the NHS and plans to grow the economy – experts explain

    Source: The Conversation – UK – By Linda Yueh, Fellow in Economics/Adjunct Professor of Economics, University of Oxford

    For the first time in 14 years, it was a Labour chancellor who delivered the UK budget. And for the first time ever, that chancellor was a woman. But Rachel Reeves faces an almighty task: plugging a £40 billion spending gap in the knowledge that pre-election promises not to raise the main taxes are still fresh in people’s memories.

    Growth was the buzzword of the election campaign – Reeves now had to lay her cards on the table. So here’s what our panel of experts made of the plans:

    More challenges for employers and small businesses

    Shampa Roy-Mukherjee, Associate Professor in Economics, University of East London

    The budget introduces £40 billion in tax hikes and, in some areas, spending cuts that will put pressure on the economy and business in particular. But it also reflects the government’s focus on economic growth, with policies intended to stabilise finances while addressing some of the concerns of small businesses.

    The chancellor has retained her commitment to preserve the rates of income tax, employee national insurance and VAT. But a notable change is the increase in employers’ national insurance contributions (NICs) from 13.8% to 15%.

    There was also a reduction in the secondary threshold, which is the amount at which the employer starts paying NI on each employee, from £9,100 to £5,000. Altogether this will raise £25 billion annually but will significantly impact many businesses that will now face higher wage bills.

    The national living wage is also rising by 6.7% to £12.21 per hour in April 2025, boosting incomes for about three million workers but again increasing costs for many businesses. These rising taxes and wage increases, alongside incoming employment regulations, will strain businesses, particularly in sectors with high labour demands.

    To offset some of these pressures, the employment allowance, which allows some smaller employers to reduce their NICs, has been raised from £5,000 to £10,500. The chancellor said that over 1 million employers will not see their NICs bill rise as a result.

    Small businesses in retail, hospitality and leisure, where profits have been hit as consumers struggle with the cost of living, will benefit from a 40% business rate relief on properties up to £110,000. Other supportive measures include a continued freeze on fuel duty, which will aid logistics and transport costs. Corporation tax remains fixed at 25%.

    At the next stop they’re putting up bus fares.
    Mistervlad/Shutterstock

    Higher wages for three million, but it could cost more to get the bus to work

    Rachel Scarfe, Lecturer in Economics, University of Stirling

    The biggest change for those on low incomes was an increase in the national minimum wage (for 18 to 20-year-olds) of 16.3%, from £8.60 to £10 an hour, and an increase in the national living wage (for employees aged 21 and over) of 6.7%, from £11.44 to £12.21, from April 2025. This will lead to a pay rise for more than 3 million workers.

    Business associations warn that this will cause job losses, particularly in hospitality and the care sector, where many employees earn the minimum wage. But a large body of research has not found a negative effect of minimum wages on employment.

    There is some evidence that earlier minimum wage rises caused an increase in the number of zero-hours contracts in social care, as firms tried other ways to reduce wages. However, the new employment rights bill introduced earlier in October would limit the use of zero-hours contracts in this scenario.

    The budget could have an indirect effect on pay packets though. The effect of the change to employer NICs will be greater in sectors with more low-paid workers, such as hospitality, and employer associations have warned that it will risk jobs. There is also some evidence that in the long term, firms pass some of these costs on to employees by reducing their wages.

    However, the minimum wage increase will reduce the capacity for firms to reduce wages. And any long-term effect would also be offset by lower income taxes that will come after 2028 when the chancellor has said she will increase the threshold at which people starting paying tax.

    So if wages and profits fall because of increased contributions, then the amount Reeves raises will be lower than expected, because income and corporation tax receipts will be hit.

    Another indirect factor affecting incomes is the cost of getting to work. The fuel duty freeze will continue, but the bus fare cap will increase from £2 to £3. Lower-paid workers and jobseekers are much more likely to use the bus than those with higher incomes, who are more likely to drive, but the cost of bus travel increased much more than the cost of train travel or petrol over the last parliament.

    The fare cap reversed some of this increase, and some evidence shows that it led to more people travelling by bus. But the new £3 cap will only last until the end of 2025, which may be too soon to see much effect.

    Second thoughts about that second home?
    Andrew Roland/Shutterstock

    Taxing times for the wealthy

    Jonquil Lowe, Senior Lecturer in Economics and Personal Finance, The Open University

    As expected, the budget targeted several wealth taxes, including capital gains tax (CGT), which is charged on profits you make when you “dispose of” (sell or give away) an asset. The first slice of such profits (£3,000 in 2024-25) is tax-free. Profit above that is added to your income to determine what rate will apply: a lower rate for profit covered by the basic income tax rate band and a higher rate on anything more.

    Reeves announced that CGT rates on financial assets – things like shares – will immediately increase from 10% to 18% (for the lower rate) and from 18% to 24% (for the higher rate). Financial assets account for around 85% of all disposals within the scope of CGT, but only around 350,000 people a year pay the tax.

    This brings the rates on financial assets into line with residential property, such as a second home. (There is no CGT when you sell or give away your only or main home.) But this still leaves wealth taxed less heavily than income.

    The government says it is committed to tackling the UK’s housing shortage. So to deter multiple home ownership, it has raised stamp duty for people buying a second (or third or fourth) home. Purchases completed will now incur an extra 5% tax (currently 3%) over and above the normal stamp duty rates.

    There were also changes to inheritance tax (IHT). Pension savings left unused at death have in recent years been passed on tax free. But from April 2027, the savings will count as part of the estate and be subject to IHT at a rate of up to 40%.

    The first slice of the estate a person leaves, called the nil-rate band, is IHT-free, and that band has been frozen at £325,000 since 2010. Reeves extended the freeze until April 2030.

    As a result of these changes, the government expects almost 6% of estates to pay IHT this year, up from fewer than 5% in recent years. People in London and the south east are more likely to be IHT-payers, largely due to higher property values in those areas.

    A downpayment on growth – but probably not quickly

    Linda Yueh, Adjunct Professor of Economics, University of Oxford

    The chancellor declared that the government will “invest, invest, invest”. This is an important enabler of economic growth.

    But, the country’s creditors need reassuring, so Reeves also announced two new fiscal rules that aim to achieve that balance of allowing the government to borrow to invest (and generate growth), but not to pay for day-to-day spending.

    Specifically, the investment rule permits borrowing to invest and the stability rule requires day-to-day spending to be paid for by taxes. Both rules support the government’s growth aims while trying to reassure the country’s creditors that the borrowing will pay off by generating future growth – and also higher tax receipts with which to repay that borrowing.

    But spending watchdog the Office for Budget Responsibility (OBR) has downgraded the UK’s GDP growth outlook from 2% to 1.8% in 2026, and to 1.5% in 2027 and 2028. The OBR’s forecast of slower growth highlights the impact of the £40 billion of tax increases, which dampens economic activity.

    This underscores the government’s challenge of investing to grow while at the same having to raise taxes to balance the books when it comes to its daily spending. In particular, the OBR’s assessment of slowing growth towards the middle of this parliament raises questions about how long it will take for the investment-fuelled growth to materialise.

    It may be that five years is still too short a period. Many physical investments require planning and those reforms could also take a while. Moreover, getting investment projects under way requires scoping, and private investors will want time to assess before joining the government in energy projects.

    But this budget is certainly a start on a much-needed growth strategy.

    Clean energy boost?
    StudioFI/Shutterstock

    Good news on public investment – emerging industries could benefit

    Phil Tomlinson, Professor of Industrial Strategy, University of Bath

    The key budget change related to the chancellor’s fiscal rules. By redefining how public debt is calculated, Reeves has been able to increase public investment by around £100 billion. The new fiscal rules have gone not as far as some economists have advocated – but they are a welcome step in the right direction.

    Investment was the core focus of the budget. For decades, the UK has suffered from low investment and weak productivity compared to other leading economies. Since 1990, the UK’s investment gap with the average across rich countries in the Organisation for Economic Co-operation and Development (OECD) has been around £35 billion a year – the UK now ranks 28th of 31 OECD countries on business investment. British workers are using outdated kit and so are less productive. This has meant a stagnant economy and lower living standards.

    So, the budget’s plans to boost investment in the UK’s crumbling infrastructure and public services and to support the new industrial strategy are a positive move. The latter should see additional funding to support emerging tech industries, such as artificial intelligence, cyber and clean energy. And this public investment should “crowd in” additional private investment.

    In the long run, these investments should pay for themselves. For instance, the Office for Budget Responsibility estimates that a sustained increase in public investment of 1% of GDP increases that GDP by 0.5% after five years and more than 2% after ten to 15 years.

    The rise in employer national insurance contributions will increase business’s operating costs, especially those in the care and hospitality sectors. But paradoxically, in the long run, it may encourage some businesses (in sectors where it is feasible) to invest in new labour-saving capital equipment.



    Read more:
    Rachel Reeves is the UK’s first female chancellor. Here’s why that’s so significant

    The NHS gets a cash injection – but it may not go that far

    Karen Bloor, Professor of Health Economics and Policy, University of York

    Amid all the gloomy pre-budget talk of tough choices and economic problems, would the government’s plans to improve the NHS cheer up the country (England, at least)? Not entirely.

    On the plus side, the chancellor promised a generous spending increase of £22.6 billion in the year 2025 to 2026, with £3.1 billion on capital investment. But solving the problems of the NHS is not just about money, and there will be difficult decisions to come.

    Meanwhile, increases in employers’ national insurance contributions, while raising funds, will also have a big impact on the NHS, which employs over 1.5 million people. So the additional spending may be less than it appears.

    The new government has said it has three main priorities for healthcare in England: moving care from hospitals to the community, moving resources from treatment to prevention, and changing systems from analogue to digital. None of these ideas are new, and there are good reasons why they haven’t happened already.

    Expanding primary and community care often does not translate into reduced demand for hospital services – in fact, it can do the opposite, by uncovering previously unmet needs. And successive governments have failed to address long-standing problems in social care, which is crucial to addressing pressures on the NHS. A successful NHS means people living longer, but often with long-term health problems.

    Returns on investment in preventing illness can be substantial, but they vary widely, and can be difficult to achieve. This is particularly true when it comes to interventions needing individual behaviour change, such as increasing exercise or cutting down on alcohol. Even when clearly positive, they take a very long time to generate cost savings.

    And there are other aspects of the chancellor’s plans which could arguably harm public health. Abolition of winter fuel payments for example, could affect the health of older people on low incomes.

    Rising bus fares could affect people’s ability to attend appointments, and the controversial two-child benefit cap, which can affect child health remains in place.

    Finally, while technology should improve the efficiency of services, people need care from people. Capital investment – in scanners, radiotherapy machines and diagnostics – will need to be matched by the cost of the professionals who operate them and interpret their findings.

    Karen Bloor receives funding from the NIHR policy research programme to conduct responsive analysis for the Department of Health and Social Care,

    Phil Tomlinson receives funding from the Engineering and Physical Sciences Research Council (EPSRC) for Made Smarter Innovation: Centre for People-Led Digitalisation.

    Rachel Scarfe is a member of the Labour Party.

    Jonquil Lowe, Linda Yueh, and Shampa Roy-Mukherjee do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

    – ref. What Labour’s first budget means for wages, taxes, business, the NHS and plans to grow the economy – experts explain – https://theconversation.com/what-labours-first-budget-means-for-wages-taxes-business-the-nhs-and-plans-to-grow-the-economy-experts-explain-242509

    MIL OSI – Global Reports –

  • MIL-OSI Global: Crypto gains momentum as markets eye Trump election – four things to consider before you invest

    Source: The Conversation – UK – By Larisa Yarovaya, Director of the Centre for Digital Finance, Associate Professor in Finance, University of Southampton

    Chinnapong / Shutterstock

    Crypto traders are waiting anxiously to see whether it will be the Republican presidential candidate, Donald Trump, or his Democratic rival, Kamala Harris, who will be sitting in the White House come January 2025.

    Harris leads Trump by a slender margin in the national polling averages, but some betting markets have Trump as the favourite to win. According to election gambling site Polymarket, the chance of Trump winning the election is 67% at the time of writing.

    These odds will certainly be welcomed by cryptocurrency investors. Trump has previously shown support for crypto, most notably at a Bitcoin conference in Nashville in July, where he vowed to turn the US into the “crypto capital of the planet and the Bitcoin superpower of the world”.

    Indeed, Bitcoin’s price approached a three-month high in October in anticipation of a Trump victory. And cryptocurrency investors believe Bitcoin’s price could surge again, reaching a new high if Trump wins.

    It may well be an opportune moment to invest in crypto. But cryptocurrency markets are notorious for their volatility and are prone to several behavioural anomalies that any prospective investor should be aware of.

    1. Momentum and reversal effects

    Buying crypto stocks that have recently performed well and short selling (selling shares that are falling in value, and then buying them back later at a reduced price) those that have performed poorly is often considered a potentially profitable strategy.

    When buying high-performing stocks, investors anticipate that the positive trend will continue, leading to further price increases. And, in the same vein, investors expect prices to continue declining when short selling those that are performing badly. In crypto circles, as well as in finance more generally, this is called the momentum effect.

    However, finance theories suggest that the complete opposite strategy can, in some instances, yield even better returns. Stocks that are performing well could also be seen as close to exhausting their growth potential, suggesting that a decline is likely to follow.

    So, some investors may instead buy poorly performing stocks in the expectation that their price will rebound. This strategy, which is called the reversal effect, aims to generate substantial profits as the market corrects itself.

    By targeting poorly performing cryptocurrencies, large investors in particular can help increase liquidity for these assets. Liquidity can be measured simply by trading volume – the more active traders there are in the market, the easier it is to buy or sell the asset. This should enable greater growth potential.

    Bitcoin is performing well in anticipation of a Trump victory. But amateur investors should be aware that larger institutional investors may employ different tactics. It is also important to consider that even robust-looking trends can be reversed at any moment.

    2. Salience and recency biases

    Events like a US presidential election attract the attention of investors, partly due to something called salience bias. Various studies suggest that crypto investors, in particular, tend to focus on a prominent event or a piece of information that is emotionally striking.

    Rational investment decisions should be based on a balanced assessment of the risk and return of investment assets. But, during an election, crypto investors’ attention is likely to be narrowly focused on polling data or media coverage of the candidates.

    For newer and less mature markets like cryptocurrency, a reliance on easily accessible information is more common than conducting sophisticated analysis of the underlying financial metrics or economic indicators (fundamentals). This is risky, as all other less prominent yet important information can be easily ignored.

    The history of cryptocurrency shows numerous collapses, demonstrating the vulnerability of cryptocurrency as an asset class. In November 2022, for example, the collapse of FTX, a leading crypto exchange, triggered a major collapse across the entire crypto market. This included a significant decline in Bitcoin’s price.

    A billboard in Times Square showing live election odds on October 10.
    Artist Nadia Russ / Shutterstock

    3. Lottery preferences

    Cryptocurrency markets are subject to significant speculation. Investors hope for big wins, even if the chances are slim. Similar to buying a lottery ticket, investors may buy assets driven by the illusion of lucrative future profits.

    This is, of course, also true for some investments in traditional markets. But stories of Bitcoin millionaires and how they quickly made their fortunes create the illusion of the possibility of becoming rich quickly.

    Such successes are not necessarily replicable in current market conditions. Regardless of the election outcome, cryptocurrency markets will remain highly volatile, speculative and risky. Just because some people win the lottery does not mean that you will.

    4. Anchoring effect

    Another behavioural anomaly typical of cryptocurrency markets is the anchoring effect. This is where investors accept and cling to the “anchor” of the first piece of information they receive. For example, if they read an article stating that Bitcoin’s price will rocket after Trump’s victory, they will hold on to this idea regardless of what other sources or information may suggest.

    This is, again, because the analysis of fundamentals in crypto markets is very challenging. Unlike traditional stocks, which can be evaluated based on factors such as earnings reports and revenue growth, cryptocurrencies often lack similar financial metrics. Hence, crypto investors are particularly susceptible to believing in discussions in the media and various online forums.

    There have been no details on how Trump’s promise to make the US the Bitcoin superpower of the world will be delivered. However, it would be hard for crypto investors to change their minds if they are already anchored to this idea.

    Investing is not gambling. Even if you think your decision is entirely rational, it is essential to triple check to ensure you are not subject to any of the aforementioned behavioural biases. You’ll probably be subject to all of them, as will any other human being.

    Larisa Yarovaya is affiliated with the British Blockchain Association.

    – ref. Crypto gains momentum as markets eye Trump election – four things to consider before you invest – https://theconversation.com/crypto-gains-momentum-as-markets-eye-trump-election-four-things-to-consider-before-you-invest-241731

    MIL OSI – Global Reports –

  • MIL-OSI Global: Colonialism, starvation and resistance: How food is weaponized, from Gaza to Canada

    Source: The Conversation – Canada – By Charles Z. Levkoe, Canada Research Chair in Equitable and Sustainable Food Systems, Lakehead University

    For more than a year, the Israeli state has been engaged in a massive incursion into Gaza following the October 2023 Hamas attack against Israel.

    In March 2024, Francesca Albanese, the United Nations Special Rapporteur on the situation of human rights in the Occupied Palestinian Territories, announced: “There are reasonable grounds to believe that the threshold indicating the commission of the crime of genocide…has been met.”

    A core element of this apparent genocide includes food militarization and weaponization, a tactic that has also been used by Canada to exterminate, dispossess and control Indigenous populations.

    We have come together as a group of critical food systems scholars to examine the parallels between the weaponization of food in Gaza and Canada to bring about the systematic destruction of Indigenous Peoples. But we’ve also observed that food has been a powerful tool of resistance and resurgence.



    Read more:
    Israeli siege has placed Gazans at risk of starvation − prewar policies made them vulnerable in the first place

    Food as a weapon

    Throughout modern history, food has been deployed as a weapon by colonial regimes to control and displace Indigenous populations. The current crisis in Gaza has brought this into sharp focus as the Israeli state has engaged in the systematic destruction of Palestinian food systems, with devastating consequences.

    Israel’s blockade of Gaza, in place since 2007, has cut off access to essential agricultural areas and restricted fishing activities. Gaza farmers are often unable to access their land, while fishers are constantly barred from accessing the coast, harassed, intimidated and even killed by Israeli forces.

    This blockade, combined with military operations that destroy farmland, trees and infrastructure, has resulted in more than 95 per cent of people in Gaza facing severe food insecurity and a famine declared by the United Nations experts in the summer of 2024.



    Read more:
    Starvation is a weapon of war: Gazans are paying the price

    Canada’s use of food weaponization

    Throughout the 19th and 20th centuries, the Canadian government employed similar tactics to restrict Indigenous Peoples’ access to land, food and water. Colonial policies like the Indian Act, the Homesteading Act and the Pass System confined Indigenous Peoples to reserves, prohibited hunting and fishing and forced reliance on inadequate government food rations.

    This led to malnutrition and starvation, particularly in response to Indigenous resistance to settler expansion. The use of food as a weapon was part of a broader project to eliminate or otherwise undermine Indigenous identity and self-determination, a process that continues today.

    From ongoing boil-water advisories to environmental degradation caused by mining, oil and gas extraction, forestry, agriculture and chemical production, settler governments and industries continue to dispossess Indigenous Peoples from their lands and undermine their livelihood.

    These practices have severely and disproportionately impacted Indigenous health and well-being, as well as their food systems.



    Read more:
    Colonialists used starvation as a tool of oppression

    The Scream, by Kent Monkman (2016), was part of a travelling exhibition in 2017 on colonized Canada entitled ‘Shame And Prejudice: A Story Of Resilience.’
    (Courtesy of Kent Monkman)

    Israel targets food infrastructure

    In the occupied Palestinian territories, Israeli control over land and resources reflects a similar colonial dynamic. Laws like the Absentee Property Law of 1950 facilitated the expropriation of Palestinian land.

    Meanwhile, the Israeli military has systematically targeted Gaza’s food infrastructure and used starvation as a weapon of war, according to Human Rights Watch. Satellite imagery shows that 70 per cent of Gaza’s tree cover has been eliminated or damaged, and about one-third of greenhouses have been demolished.

    Tanks and trucks have decimated orchards, field crops and olive groves.

    An estimated 800,000 tonnes of asbestos among the debris of destroyed buildings will result in asbestos-related diseases for generations to come. Under the Geneva Conventions, destruction of civilians’ means of survival and starvation as a tool of warfare is strictly prohibited.

    Food as resistance

    Food has also long been mobilized as a powerful tool of resistance. Among Palestinians, struggles for food sovereignty have played a critical role in self-determination.

    Palestinians continue to cultivate their land under the rubble, grow olive trees despite ongoing violence and maintain food practices that connect them to their lands and their cultural heritage.

    Similarly, Indigenous nations and communities across Canada have used food as a form of resurgence. Alongside land back movements, efforts to revitalize Indigenous food systems — such as hunting, fishing, growing and gathering — are central to movements for Indigenous sovereignty.

    Learning about and enacting traditional food practices are important acts of resistance, as these practices sustain communities, strengthen connections to land and assert rights over the unceded territories Indigenous Peoples are fighting to reclaim. By reclaiming and rebuilding their land and food systems on their own terms, they continue to challenge colonial structures.

    Food, colonialism and resistance

    The destruction of food systems in Gaza and Canada is part of a larger effort of land dispossession and capitalist accumulation. By severing Indigenous Peoples’ connection to their food systems, settlers and colonial regimes have sought to control not only the land but also the people who depend on it.

    Yet, through food sovereignty movements, these same populations are reclaiming their right to self-determination and building global networks of solidarity.



    Read more:
    Indigenous food sovereignty requires better and more accurate data collection

    The struggle for food sovereignty is inseparable from broader struggles for land, justice and self-determination.

    Connecting the dots between the Palestinian territories and Canada provides powerful examples of global colonial relations and struggles for justice and self-determination. It challenges us to critically examine the role of food in these struggles and demand government accountability.

    We wish to acknowledge Mustafa Koç, professor emeritus at Toronto Metropolitan University, as a co-author and to thank Max Ajl, Yafa Al Masri and Justin Podur for contributions to this article.

    Charles Z. Levkoe receives funding from the Social Sciences and Humanities Research Council of Canada and the the Government of Ontario.

    Sarah Rotz receives funding from the Social Sciences and Humanities Research Council of Canada.

    Tammara Soma receives funding from the Social Sciences and Humanities Research Council of Canada.

    Martha Stiegman does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. Colonialism, starvation and resistance: How food is weaponized, from Gaza to Canada – https://theconversation.com/colonialism-starvation-and-resistance-how-food-is-weaponized-from-gaza-to-canada-241525

    MIL OSI – Global Reports –

  • MIL-OSI Canada: Government of Canada launches call for proposals for northern contaminants research and monitoring projects

    Source: Government of Canada News (2)

    Today, the Honourable Dan Vandal, Minister of Northern Affairs, announced the launch of the annual call for proposals for research and monitoring projects on contaminants originating from other parts of the world.

    October 30, 2024 — Gatineau, Quebec — Crown-Indigenous Relations and Northern Affairs Canada

    In the North and Arctic, traditionally harvested foods from the land and sea provide many health, economic, social, and cultural benefits to Northerners.

    These foods, however, can potentially expose people to long-range contaminants, including persistent organic pollutants, heavy metals like mercury, microplastics, and others. Supporting research and monitoring of these contaminants is critical to improving and protecting the health and well-being of residents, animals, and ecosystems in the region.

    Today, the Honourable Dan Vandal, Minister of Northern Affairs, announced the launch of the annual call for proposals for research and monitoring projects on contaminants originating from other parts of the world. These contaminants are transported through air and sea currents to the North and Arctic.

    As part of Crown-Indigenous Relations and Northern Affairs Canada’s Northern Contaminants Program, beginning in 2025-2026, close to $1 million will be available for projects for a duration of up to three consecutive years. This investment will support new projects related to human health, environmental and community-based monitoring and research, and associated public outreach initiatives.

    Community members, Indigenous and territorial organizations, and governments are encouraged to work in partnership with university and federal government scientists to submit a proposal. Applicants have until January 20, 2025, to submit their proposals. Projects selected for funding will be announced in the summer of 2025.

    “Contaminants from long-range, global sources continue to be a concern in the North and Arctic. Indigenous Peoples, Northerners, and scientists are working together to better understand the levels of contaminants in foods and to implement co-developed solutions for reducing exposure to these contaminants. The projects will help policymakers, communities, and residents determine the safety of traditional country foods, which can affect the health and well-being of all those who make the North and Arctic their home.”

    The Honourable Dan Vandal, P.C., M.P.
    Minister of Northern Affairs

    You can subscribe to receive our news releases and speeches via RSS feeds. For more information or to subscribe, visit www.cirnac.gc.ca/RSS.

    MIL OSI Canada News –

  • MIL-OSI USA: Colorado Celebrates Weatherization Day, Launches Federally Funded Home Electrification and Appliance Rebate Program

    Source: US State of Colorado

    The State will roll out the initial phase of rebates for cost-saving home energy upgrades through its Weatherization Assistance Program

    STATEWIDE – In celebration of National Weatherization Day today, the Polis Administration is commemorating 48 years of saving households money on energy costs with the launch of Colorado’s Home Electrification and Appliance Rebate (HEAR) program through the State’s Weatherization Assistance Program (WAP). The Biden Administration’s landmark Inflation Reduction Act (IRA) provided funding for this initiative, which will expand access to energy efficiency improvements and high-efficiency electric appliances, saving Coloradans money across the state.

    “We are focused on saving Coloradans money on energy bills by increasing access to high-efficiency heat pumps and better insulation for homes. Upgrades like these save Coloradans money on utilities, make homes more comfortable year-round, and protect our clean air,” said Gov. Polis.

    Colorado is the first state in the nation to integrate HEAR funding into its weatherization program, further advancing the program’s goals to reduce greenhouse gas emissions, lower energy bills, and improve home comfort and safety. In the last year, Colorado’s weatherization program served nearly 4,000 people, reducing annual emissions equal to the energy used by 1,800 homes.

    “Cutting emissions from building heating and energy use is essential to achieve our ambitious climate goals,” said Colorado Energy Office (CEO) Executive Director Will Toor. “Our weatherization program has helped Coloradans reduce their energy use and save money on utility costs for more than four decades. With this key funding from the IRA, our office is ready to extend the benefits of this program to even more hardworking Colorado families.”

    WAP offers no-cost home energy upgrades to low-income residents, and by working with the program’s existing processes and service providers, it provides a strong foundation for rolling out the first HEAR rebates. In addition to expanding the reach of the program to more Colorado households, HEAR funding will allow WAP to provide electric appliances to clients who previously would not have been eligible for electrification upgrades.

    Through WAP, the first phase of the HEAR program will be used to serve households with incomes below 60% of the state median income or 80% of their county’s area median income.

    Colorado will dedicate a total of $7.6 million in HEAR funding to WAP. An additional $46 million from the HEAR program will fund direct-to-consumer rebates for eligible low- and moderate-income Coloradans who are not receiving WAP services starting sometime next year. HEAR funding through WAP and for direct-to-consumer rebates will be available until 2031 (or earlier if all the funds are used).

    Low-income households interested in receiving weatherization services can learn more and apply on the WAP webpage. Those interested in direct-to-consumer rebates can learn more and sign-up for email updates on the Home Energy Rebate Programs webpage.

    “From folks living in the Plains to those in the Rockies, big cost savings are coming for Coloradans looking to adapt their home’s energy needs to face the new challenges posed by climate change,” said U.S. Secretary of Energy Jennifer M. Granholm. “Colorado’s HEAR program presents a historic opportunity for residents in the state to save hundreds to thousands of dollars on energy-efficient upgrades and reduce energy bills for seasons to come.”

    CEO also plans to launch the IRA-funded Home Efficiency Rebate (HOMES) program next year to support efficiency improvements in income-qualified multifamily buildings and mobile/manufactured homes.

    To foster workforce development in Colorado’s rapidly growing energy industry, WAP is partnering with local weatherization service providers to offer a paid Energy Efficiency Technician Registered Apprenticeship Program.

    Through on-the-job training and experience, apprentices will learn the fundamentals of weatherization and building science principles, receiving certifications through the Building Performance Institute, Environmental Protection Agency, and Occupational Safety and Health Administration upon successful completion of the program. Learn more about the apprenticeship program and other weatherization career opportunities on the WAP Careers webpage.

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    MIL OSI USA News –

  • MIL-OSI USA: Replacing Lead Pipes and Protecting Drinking Water

    Source: US State of New York

    October 30, 2024

    Albany, NY

    Governor Kathy Hochul today announced a $12 million state grant to help the City of Poughkeepsie identify and replace lead service lines, improving drinking water safety, protecting public health, and enhancing residents’ quality of life. This funding is part of a $340 million statewide initiative, combining state resources with federal support through the Bipartisan Infrastructure Law, to remove lead pipes from water systems across New York. Additionally, as highlighted by U.S. Representative Pat Ryan at today’s announcement, Poughkeepsie is eligible for an extra $3.2 million federal grant to further ensure clean, safe drinking water for its residents.

    “When it comes to New York’s water infrastructure, we’re getting the lead out,” Governor Hochul said. “We’re continuing to give municipalities the resources and support they need to replace lead water pipes and protect public drinking water.”

    [embedded content]

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    Today’s announcement builds upon the Governor’s greater investment now totaling $100 million in state grants for lead service line inventory and replacement projects. Poughkeepsie is one of 12 municipalities to receive the state grant as well as federal Bipartisan Infrastructure Law (BIL) grants and interest-free financing for lead service line replacement. The state grant will reimburse costs that were not fully covered by BIL grants, so the communities won’t have to pay back the financing for the associated projects.

    To date, New York State has received $240 million for lead service line replacement through the BIL. Additional funding is expected over the next two years. Coupling state grants with federal funding takes the fiscal pressure off communities, allowing them to replace more lead service lines without incurring additional costs. The State’s comprehensive approach continues to provide communities with the resources they need to improve their water infrastructure without overburdening local ratepayers.

    Representative Pat Ryan said, “Freedom means every American has the right to breathe clean air and drink clean water, and that’s why I’m pushing relentlessly to remove every last toxic lead pipe from the Hudson Valley. Today’s funding is a huge step towards ensuring that parents in Poughkeepsie never have to worry if the water coming out of the faucet is safe for their kids. I’m proud to work alongside Governor Hochul and Mayor Flowers in this fight – we will not rest until our communities are free from toxic lead pipes for good.”

    We’re continuing to give municipalities the resources and support they need to replace lead water pipes and protect public drinking water.”

    Governor Kathy Hochul

    Including Poughkeepsie and previously announced awards, the full list of communities receiving nearly $100 million in state grants are:

    • New York City (Bronx, Brooklyn and Queens): $28,000,000
    • City of Rochester: $28,000,000
    • City of Syracuse: $12,756,047
    • City of Poughkeepsie: $11,869,472
    • Village of Herkimer: $3,962,616
    • City of Albany: $3,859,328
    • City of Troy: $3,846,900
    • Gloversville Water Works: $2,310,445
    • Village of Ilion: $1,221,477
    • Village of Ogdensburg: $688,300
    • Village of Bath: $468,300
    • Village of Catskill: $106,545

    This funding is specifically targeted for historically disadvantaged communities. The awards prioritize communities that meet one or more of the following criteria:

    • The community’s median household income is less than 80 percent of the regionally adjusted statewide median household income.
    • The community’s local poverty rate is higher than the statewide poverty rate.
    • At least 50 percent of the community’s lead service line project serves an environmental justice community.

    Lead is harmful to human health and can enter drinking water when plumbing materials that contain lead corrode, especially where the water has high acidity or low mineral content that corrodes pipes and fixtures. The most common sources of lead in drinking water are lead pipes, faucets, and fixtures. In homes with lead pipes that connect the home to the water main, also known as lead services lines, these pipes are typically the most significant source of lead in the water. Lead pipes are more likely to be found in older cities and homes built before 1986.

    State Health Commissioner Dr. James McDonald said, “Under the leadership of Governor Kathy Hochul, New York State has made historic investments to reduce exposure to lead in drinking water which we know threatens public health. Most recently New York State provided communities across New York State with roughly $100 million that will help support projects like the ones announced today in Poughkeepsie and replace lead service lines in historically underserved neighborhoods. We look forward to working with our federal, state and local partners to protect the health of our communities, promote health equity, and ensure that clean drinking water is available for all New Yorkers now and for generations to come.”

    State Environmental Facilities Corporation President and CEO Maureen A. Coleman said, “Governor Hochul’s unprecedented investment in clean water is empowering communities to get the lead out of drinking water and reduce risks to public health. In administering these grant dollars, EFC and our partner agencies are providing crucial financial and technical assistance to get critical projects underway and help communities like Poughkeepsie advance the goal of delivering lead-free and safe drinking water.”

    Assemblymember Jonathan Jacobson said, “There is no acceptable level of lead in drinking water. We know lead contamination is a serious health hazard that causes developmental disorders in children, as well as cardiovascular and fertility issues in adults. That’s why I have long advocated for increased funding to replace lead service lines and helped facilitate Poughkeepsie’s application for this funding. We cannot fail another generation of children in Poughkeepsie or any other city.”

    New York’s Commitment to Water Quality
    New York State continues to increase its nation-leading investments in water infrastructure, including more than $2.2 billion in financial assistance from EFC for local water infrastructure projects in State Fiscal Year 2024 alone. With $500 million allocated for clean water infrastructure in the FY25 Enacted Budget announced by Governor Hochul, New York will have invested a total of $5.5 billion in water infrastructure between 2017 and this year. Governor Hochul’s State of the State initiatives are ensuring ongoing coordination with local governments and helping communities to leverage these investments. The Governor increased WIIA grants for wastewater projects from 25 to 50 percent of net eligible project costs for smaller, disadvantaged communities. The Governor also expanded EFC’s Community Assistance Teams to help small, rural and disadvantaged communities leverage this funding and address their clean water infrastructure needs. Any community needing assistance with water infrastructure projects is encouraged to contact EFC.

    The funding, in addition to other substantial water quality investments, includes the voter-approved $4.2 billion Clean Water, Clean Air and Green Jobs Environmental Bond Act of 2022 which is advancing historic levels of funding to update aging water infrastructure and protect water quality, strengthen communities’ ability to withstand severe storms and flooding, reduce air pollution and lower climate-altering emissions, restore habitats; and preserve outdoor spaces and local farms. The first round of funding under the Environmental Bond Act was awarded through the WIIA/IMG programs in December, when Governor Hochul announced $479 million in grants to 156 projects across New York State, including $309 million made available to disadvantaged communities. Disadvantaged Communities will receive at least 35 percent of the benefits of Bond Act funding, with a goal of 40 percent.

    About the Bipartisan Infrastructure Law and Lead Service Line Replacement Funding
    President Biden’s Bipartisan Infrastructure Law invests a historic $15 billion nationwide to identify and replace lead service lines. The law mandates that 49 percent of DWSRF LSLR funds must be provided as grants or loan forgiveness to disadvantaged communities, a crucial investment for communities that have been underinvested in for far too long. EPA projects a national total of 9 million lead service lines across the country, based on data collected from the updated Drinking Water Infrastructure Needs Survey and Assessment. The funding will be provided specifically for lead service line identification and replacement and will help New York fund projects to remove lead pipes and reduce exposure to lead from drinking water. To ensure that funding is used for lead service line related activities in the states with the most need, LSLR allotments are based on need – meaning that states with more projected lead service lines receive proportionally more LSLR funding.

    MIL OSI USA News –

  • MIL-OSI USA: New Affordable Homes in Sunset Park

    Source: US State of New York

    Governor Kathy Hochul today celebrated the completion of Sunset Ridge, an 84-unit, affordable housing development for seniors and older adults in Sunset Park, Brooklyn. The energy-efficient development, which also houses a new education space, will preserve historic decorative elements from a church that used to be on the site and is the first affordable older adult housing built in Sunset Park in over 15 years.

    “Sunset Ridge is the embodiment of a multi-generational and community-centered development — one that incorporates the neighborhood’s history with the need for growth and sustainability,” Governor Hochul said. “By investing in new mixed-use projects, we are unlocking a future that is more affordable and more livable, opening up new opportunities for communities to thrive.”

    The entire $65 million development is reserved for persons aged 62 and older earning up to 50 percent of the Area Median Income. All units are supported by project-based vouchers, ensuring tenants pay no more than 30 percent of their income on rent. Reflecting a strong commitment to address housing insecurity among the city’s most vulnerable, 26 apartments are set aside for formerly homeless seniors who will receive social services including emergency assistance, recreational activities, case management, wellness support and benefits assistance.

    The ground floor and first floor of the new building includes a community facility space for five pre-kindergarten classrooms that will be constructed by the New York City Schools Construction Authority starting in 2025, enhancing access to early childhood education for local families.

    New York State Homes and Community Renewal Commissioner RuthAnne Visnauskas said, “Sunset Ridge is giving 84 senior households affordable and modern homes where they can age in place, while also prioritizing the needs of families with a new education space. This $65 million investment will help residents decrease their carbon footprint and provide support for tenants who need it most. We are grateful to Governor Hochul for her vision, as well as to Commissioner Carrion and all our partners for bringing this project to fruition.”

    The project included the demolition of the Zion Lutheran Church and the construction of a new nine-story building, as well as the complete rehabilitation of two pre-existing townhouses which were combined into one building. Decorative elements of the original church were preserved and reused within the new building.

    Both buildings feature energy-efficiency measures including all-electric heating and cooking. Additionally, a 19.8kW solar array was installed on the roof, underscoring the project’s commitment to sustainability.

    In the past five years, New York State Homes and Community Renewal has created or preserved nearly 7,700 affordable homes in Brooklyn. Sunset Ridge continues this effort and complements Governor Hochul’s $25 billion five-year Housing Plan which is on track to create or preserve 100,000 affordable homes statewide.

    Fifth Avenue Committee, a nonprofit comprehensive community development corporation, is the project sponsor, developer and manager. Bay Ridge Center provides on-site social services to the formerly homeless tenants. Metropolitan New York Synod is the owner of the Community Facility on the ground floor and first floor.

    Sunset Ridge is supported by HCR’s Federal Low-Income Housing Tax Credit program that generated approximately $18.3 million in equity and its State Low-Income Housing Tax Credit program that generated approximately $3.4 million in equity. All of the units benefit from a project-based Section 8 rental assistance vouchers. The New York State Energy Research and Development Authority provided more than $100,000 in funding with $31,700 in tax incentives through NY-Sun, along with $73,600 in combined incentives through the Low-Rise New Construction and the Multifamily New Construction programs. The New York City Department of Housing Preservation and Development provided $11.7 million through its Senior Affordable Rental Apartments program and $1.3 million in accrued interest. The project also received a $6 million discretionary capital grant from the Brooklyn Borough President in Fiscal Year 2017 and Fiscal Year 2020 administered by HPD.

    The project was guaranteed by Fifth Avenue Committee and Moodna Creek, LLC. Chase Community Development Banking provided a $28 million construction loan. Tax credit syndicator Hudson Housing Capital and the Tax Oriented Investments unit of J.P. Morgan invested $23 million in tax credit equity to support the development. Freddie Mac through Greystone provided $15 million in permanent loan financing.

    NYSERDA President and CEO Doreen M. Harris said, “Sunset Ridge shows how sustainable new construction practices and retrofitting existing structures can uplift historically underserved communities by providing affordable, healthy and comfortable housing and community spaces. This all-electric, multi-use development powered by rooftop solar will ensure New Yorkers living in Sunset Park benefit from clean energy while advancing Governor Hochul’s commitment to tackling the housing shortage.

    Senate Majority Leader Charles Schumer said, “Everyone deserves a safe and affordable place to call home. I’m proud that the federal Low-Income Housing Tax Credit and project-based Section 8 rental assistance vouchers that I worked hard to protect and expand has delivered millions to help build senior housing in Sunset Park, which will provide more seniors with an affordable, supportive and energy-efficient place to live. I applaud Governor Hochul’s efforts to create and preserve affordable homes across the state, and I will continue working to deliver the federal resources needed for more affordable homes in Brooklyn.”

    New York City Schools Construction Authority President and CEO Nina Kubota said, “The SCA is excited to partner with the Fifth Avenue Committee, HCR, HPD, and Metropolitan New York Synod to leverage this high-quality opportunity to provide access to early childhood education for Sunset Park and Bay Ridge parents. We will begin work on this 13,314 square foot pre-kindergarten facility in early 2025 that will bring 90 new seats and an exterior play yard to this community. Thinking outside of the box by maximizing space in multi-use sites is part of the strategy we have been deploying to expand early childhood education throughout the City. Access to pre-k improves cognitive and social development, reduces achievement gaps, and supports working parents, providing them with affordable, reliable childcare. Today is a day to celebrate this truly unique partnership.”

    Representative Dan Goldman said, “As housing costs in New York City rise to unprecedented levels, our seniors have been left behind. The Fifth Avenue Committee’s new affordable housing complex in Sunset Park is a crucial step toward providing our older New Yorkers with the homes they deserve, and I applaud the city, state, and Fifth Avenue Committee for ensuring that this vital project is completed. I look forward to continuing to work alongside FAC to ensure every New Yorker can access high-quality, stable, and affordable housing.”

    State Senator Andrew Gounardes said, “If we want Brooklyn to be a place where everyone can succeed, we need to create resources for everyone from young children to seniors. The Sunset Ridge development is exactly the kind of resource our communities need: affordable housing for seniors along with universal pre-k classrooms so families can more easily access childcare and education. Thank you to Fifth Avenue Committee for taking the opportunity to support working families and a thriving future for all Brooklynites.”

    Assemblymember Marcela Mitaynes said, “Fifth Avenue Committee and its partners have brought much-needed affordable senior housing to Sunset Park. Sunset Ridge is an example of how the intentional construction of housing can address the gaps that exist in New York State communities. AD51 needs more affordable units in environmentally friendly and community-oriented buildings under strong tenant protections.”

    Brooklyn Borough President Antonio Reynoso said, “As we work to address housing insecurity in Brooklyn, it is critical that we consider the particular vulnerabilities faced by older adults in our community. Sunset Ridge confronts this disparity directly, and by combining affordable senior housing with universal pre-k, the project creates an intergenerational community resource and gathering place. I applaud NYS Homes and Community Renewal and NYC Department of Housing Preservation and Development as well as the Fifth Avenue Committee for investing in the well-being of both the oldest and youngest members of the Sunset Park community, and I look forward to seeing residents and students thrive in their new space.”

    New York City Councilmember Alexa Aviles said, “I applaud the Fifth Avenue Committee for bringing to fruition Sunset Ridge Apartments, a development that will deliver truly affordable housing for our older adults. Housing insecurity is the number one issue in my office with frequent visits from so many older adults who are facing displacement as a result of gentrification and unscrupulous landlords. Today however, we celebrate a move towards solutions, and am proud to have played a role in bringing this much needed housing to our community. I thank Fifth Avenue Committee under the leadership of Michelle de la Uz for their work in providing affordable housing to our district seniors.”

    Fifth Avenue Committee Executive Director Michelle de la Uz said, “FAC is thrilled to be cutting the ribbon at Sunset Ridge, the first new affordable housing for seniors in the community in over 15 years and FAC’s 2nd new affordable housing project in Sunset Park to be completed in 2 years. Access to quality, affordable housing is crucial to our health and well-being, especially as we age. The project is especially gratifying because it will also have 90-Universal Pre-K seats in the future, representing an important intergenerational resource for the local community. We broke ground on the project just before the pandemic hit, so we never celebrated its start, making today’s ribbon cutting with our project partners and tenants all the more meaningful. On behalf of our tenants and the local community, thank you to the Metropolitan New York Synod, NYS HCR and NYC HPD and everyone who helped make this critical project possible.”

    Bay Ridge Center Executive Director Todd Fliedner said, “At Bay Ridge Center, we are dedicated to enhancing the lives of adults 60 and older in our vibrant community, through a variety of enriching programs and essential services, we strive to support our members in living active fulfilling lives.”

    Chase Community Development Banking Head of East Region Dave Walsh said, “We are proud to support the redevelopment of Sunset Ridge, a project delivering essential affordable senior housing in Brooklyn. Providing housing with essential services not only fosters a sense of belonging but is vital to ensure our most vulnerable senior residents have the resources they need to flourish.”

    Hudson Housing Capital Managing Director Sam Ganeshan said, “Hudson Housing Capital is proud to partner with Fifth Avenue Committee to finance high-quality, affordable housing for seniors at Sunset Ridge. This property will provide some of the City’s most vulnerable residents with a safe place to live independently and age in-place. We thank and commend all those involved in making this day possible, including our investor J.P. Morgan, and look forward to seeing this impactful housing development thrive for many years to come.”

    Governor Hochul’s Housing Agenda

    Governor Hochul is committed to addressing New York’s housing crisis and making the State more affordable and more livable for all New Yorkers. As part of the FY25 Enacted Budget, the Governor secured a landmark agreement to increase New York’s housing supply through new tax incentives for Upstate communities, new incentives and relief from certain state-imposed restrictions to create more housing in New York City, a $500 million capital fund to build up to 15,000 new homes on state-owned property, an additional $600 million in funding to support a variety of housing developments statewide and new protections for renters and homeowners. In addition, as part of the FY23 Enacted Budget, the Governor announced a five-year, $25 billion Housing Plan to create or preserve 100,000 affordable homes statewide, including 10,000 with support services for vulnerable populations, plus the electrification of an additional 50,000 homes. More than 45,000 homes have been created or preserved to date.

    The FY25 Enacted Budget also strengthened the Pro-Housing Community Program which the Governor launched in 2023. Pro Housing Certification is now a requirement for localities to access up to $650 million in discretionary funding. To date, more than 160 communities have been certified, including the City of New York.

    MIL OSI USA News –

  • MIL-OSI USA: Spooky and Safe: Emergency Preparedness Tips for Kids on Halloween

    Source: US State of Oregon

    span>Halloween is a night filled with costumes, candy, and a whole lot of fun. But it’s also important to keep safety in mind to ensure everyone has a hauntingly good time without any real scares. Here are some essential tips for emergency preparedness and safety for kids on Halloween:

    Costume Safety
    Make sure costumes are flame-resistant and fit well to avoid tripping. Brightly colored costumes or reflective tape can help kids be seen in the dark.

    Also, focus on comfort over style. Ensure costumes are comfortable and not too tight. Avoid masks that obstruct vision—opt for non-toxic face paint instead.

    Dress warmly if it’s cold outside. Consider layering costumes to keep warm.

    Trick-or-Treating Tips
    Young children should always trick-or-treat with a trusted adult. Older kids should go in groups and stick to a familiar route. Everyone should stay in neighborhoods that are well-lit and avoid dark, unfamiliar areas. Give the kids flashlights or glow sticks to improve visibility.

    Talk to your kids about why it’s important to always use crosswalks and follow traffic signals. Remind kids to look both ways before crossing the street.

    Establish a trick-or-treating route and set a curfew. Make sure kids know to check in periodically and never enter a stranger’s house.

    Candy Check
    Check all candy and treats for signs of tampering before allowing kids to eat them. Discard any unwrapped or suspicious items.

    Be mindful of food allergies. Know if any children in your trick-or-treating party have allergies. Inspect ingredients if necessary and trade or discard treats that could cause allergic reactions. If your kids don’t have allergies, make sure they aren’t trading allergens to a kid who does.

    Encourage kids to enjoy their treats in moderation. A fun idea is to have the kids keep 5-10 pieces of their favorite candies, then leave the rest out for the Switch Witch overnight. The Switch Witch then takes the remaining candy and leaves a toy in trade.

    Home Safety
    Ensure your walkway and front yard is clear of obstacles that could cause people to trip and fall. Use battery-operated candles in pumpkins instead of open flames to reduce the risk of fire.

    Keep your pets indoors and away from the front door to prevent them from getting spooked or accidentally running outside or biting an unsuspecting trick-or-treater.

    Avoid decorations that could pose a hazard, like hanging objects or loose wires that could cause people to trip, or scratch skin.

    Emergency Preparedness
    Discuss what to do in case of an emergency. Kids should know how to call 911 and what to do if they get separated from the group.

    Make sure kids have a phone number to reach you. For younger kids, consider writing it on a piece of paper to carry with them, the bottom of their treat bag/pale or on their arm with grease make-up.

    Carry water bottles to stay hydrated while trick-or-treating, especially if costumes are warm or restrictive.

    Driving Safety
    When out driving on Halloween, be mindful of the extra foot-traffic and that excited children are less aware of their surroundings. Be extra cautious and drive slowly in residential areas. Watch for children who may dart out into the street.

    Keep your headlights on, even during daylight, to increase visibility for trick-or-treaters. The National Highway Traffic Safety Administration has more tips for driving afely on Halloween on their website.

    Halloween is a night of magic and mystery, and with a little preparation, it can also be safe and fun for everyone. Following these tips can help ensure your kids have a spooky, safe adventure this Halloween.

    MIL OSI USA News –

  • MIL-OSI Global: A new president will be elected − but it may take some time to determine who wins

    Source: The Conversation – USA – By John M. Murphy, Professor of Communication, University of Illinois at Urbana-Champaign

    For more than 100 years, media of many kinds tried to be the first to report presidential election results. Although that urge still exists, pundits and analysts are now more concerned with accuracy than speed.

    That’s because of the 2020 election. A raging pandemic, a divided country, a close race, polling failures, false presidential claims of voter fraud and uncertainty made everyone anxious. Then came the Jan. 6, 2021, attack on the U.S. Capitol, which meant the election was about more than the presidency – it was about democracy itself.

    What’s most important now is not being first but rather being right. In recent decades, Americans have gotten used to media organizations declaring the winners of races in the hours or days after the polls close, but those are not official results. They are projections based on the available unofficial information. The formal results of the election are checked and certified through a process that takes weeks to months – and potentially longer, if lawsuits are filed.

    A wrong call could spark violence, particularly because Donald Trump has yet to say that he will accept the results of the 2024 election if he loses.

    Media figures and election officials are preparing Americans for the fact that we might have to wait some time to get an accurate call. As in 2020, they’re using metaphor to shape public expectations. But this year, they’re also explicitly trying to define the nation’s perceptions of time, in terms of which results count as on time or as delayed.

    Sometimes what you see isn’t actually what’s real.
    simon’s photo/Moment via Getty Images

    Don’t get confused by mirages

    A metaphor is a linguistic device that describes something in terms of something else, usually to highlight an important idea. If we see a football team as the Bears, we know they’re not literally animals, but they are ferocious. As a scholar of presidential rhetoric and political campaigns, I know it’s important to notice metaphors because they often shape public perceptions.

    As members of the media prepare themselves and the public for an uncertain election night, they’re worried that Americans will be misled by false or incomplete information in the early returns. Fredreka Schouten and Sara Murray of CNN Politics write, “Election officials worry that delays in counting could give the public a false sense of who’s winning the election.” The Republican Pennsylvania secretary of state adds, “It’s obviously a concern.” And so, as they did in 2020, they’re again using the metaphor of “mirage.”

    A mirage is an optical illusion, something that looks real but is not. Old adventure movies would show a mirage of water in a desert. Lost explorers with empty canteens would run excitedly toward a sparkling oasis, only to find nothing but sand.

    In 2020, no one was quite sure whether the early results would show a red or a blue mirage and so they suggested it could vary by state. For example, some states, such as Florida and Arizona, counted mail ballots as they arrived, even before Election Day. In those states, Vox reported, the early “results might look overwhelmingly favorable to Joe Biden and other Democratic candidates.”

    In 2024, the overwhelming expectation is that early returns in this year’s key states will look better for Republicans. Reporter Nick Corasaniti of The New York Times wrote that “Democratic operatives” have come to expect “‘the red mirage,’ the result of far more Democrats than Republicans opting to vote by mail, leading to Democratic votes being counted later.” The editorial board of The Washington Post fretted in September 2024 that Trump “used this so-called red mirage in 2020 to declare victory and insist that the counting stop.” The implication was clear: a fear he might do so again.

    People tend to see what they want to see. Those lost explorers want and need water, much as Trump yearns for victory. And mirages are partly self-deception. Partisans want that beautiful picture of triumph, blue or red seas cascading across screens on election night. These feelings explain why the mirage metaphor works well for the media: It signals that campaigns and the public see what they hope for, not what’s there. Wait, the metaphor tells us. Wait until we know it’s real.

    Try not to lose sleep waiting for the results.
    fcafotodigital/E+ via Getty Images

    A wait doesn’t mean it’s late

    To make the waiting easier, the media has also explicitly tried to shape the public’s perceptions of time. This is not a new idea: The ancient Greeks used the term “kairos” to talk about timing in public speech – when we should speak, how we define time in that speech, and what sorts of times we live in.

    For example, an NBC report catalogs changes various states have made since 2020 to speed up the counting, but nonetheless notes “in the event of a close race, a handful of key battleground states could keep Americans waiting well beyond Election Day.” In early October 2024, Arizona’s secretary of state told a group at Harvard the results would take “thirteen days and we’re not doing it any sooner because we’re going to get it right.”

    At that same Harvard meeting, Pennsylvania Secretary of State Al Schmidt disputed the concept that taking time to count votes constituted a “delay.”

    “It’s not a delay at all. It takes time to count millions of votes, with integrity, especially when you can only start at 7 a.m. on election morning,” Schmidt said.

    Taken together, the two persuasive strategies urge patience. A mirage will appear, but it is false, alluring and dangerous. It does not reflect reality. Reality will come in time, the proper time, in its season. This isn’t a delay, because it takes time to get things right. This election poses enough dangers, these officials and the media believe. All Americans need to take – or give – the time to get the count right.

    Some of the material in this article was previously published on Nov. 3, 2020.

    John M. Murphy does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. A new president will be elected − but it may take some time to determine who wins – https://theconversation.com/a-new-president-will-be-elected-but-it-may-take-some-time-to-determine-who-wins-241199

    MIL OSI – Global Reports –

  • MIL-OSI Security: Summerville Brothers Plead Guilty to Selling $35M Worth of Counterfeit Viagra

    Source: Office of United States Attorneys

    CHARLESTON, S.C. —Ibrahim Shedid, 29, and Ahmed Shedid, 35, of Summerville, have pleaded guilty to conspiracy to sell and traffic counterfeit goods for selling counterfeit Viagra pills in a $35 million scheme.

    Evidence obtained in the investigation revealed that Ibrahim Shedid owned and operated Big Boss Puff Stuff and Ahmed Shedid owned and operated A2Z Warehouse. The brothers worked together to distribute and sell counterfeit Viagra to convenience stores, knowing the pills were counterfeit. 

    In January 2024, law enforcement intercepted a shipment of 19 bottles of counterfeit Viagra, which was being delivered to Big Boss Puff Stuff. After the delivery, more counterfeit Viagra was seized from a storage unit associated with both Ahmed Shedid and Ibrahim Shedid. The retail value of all counterfeit Viagra seized from the defendants was in excess of $35 million.

    Ibrahim Shedid faces a maximum penalty of five years in federal prison and Ahmed Shedid also faces a maximum penalty of five years in federal prison. Both also face a fine of up to $250,000, restitution, and three years of supervision to follow the term of imprisonment.

    U.S. District Judge Bruce H. Hendricks accepted the guilty pleas and will sentence Shedid and Shedid after receiving and reviewing a sentencing report prepared by the U.S. Probation Office.

    Homeland Security Investigations investigated the case with assistance from the South Carolina Law Enforcement Division and the Ninth Circuit Solicitor’s Office. Assistant U.S. Attorney Amy Bower is prosecuting the case.

    ###

    MIL Security OSI –

  • MIL-OSI Security: Indictment Charges Waterbury Women with Fraud Offenses

    Source: Office of United States Attorneys

    Vanessa Roberts Avery, United States Attorney for the District of Connecticut, today announced that a federal grand jury in New Haven has returned a 17-count indictment charging MARLENIN VITO, 45, of Waterbury, with fraud offenses.

    The indictment was returned on October 22, 2024.  Vito appeared yesterday before U.S. Magistrate Judge Robert M. Spector in New Haven, pleaded not guilty, and was released on a $25,000 bond.

    As alleged in the indictment, from approximately 2018 to May 2021, Vito was employed as Medicaid Coordinator at an assisted living facility located in Stamford, referred to in the indictment as “Company A.”  Vito’s responsibilities included assisting the residents in applying for nursing home level Medicaid reimbursements, monitoring the residents’ patient trust accounts, and ensuring compliance with Medicaid regulations.  She was also responsible for keeping journal entries for the residents’ trust accounts and to credit their accounts when funds were received, and for debiting patient accounts when payments were made on behalf of the residents or when cash was given to residents for incidental expenses.

    It is alleged that, between approximately December 2019 and May 2021, Vito defrauded Company A and its residents by generating checks from Company A’s system, forging a fellow employee’s signature on the checks, negotiating the fraudulent checks purportedly to give the cash proceeds to certain residents, and keeping the cash for her own use.  Vito then made false entries into Company A’s accounting ledger by debiting the fraudulently obtained cash from the residents’ respective trust accounts.  Many of the residents were not healthy enough or mentally capable of tracking their own expenses or monitoring the balances of their own trust accounts.

    It is further alleged, in certain instances, Vito cancelled residents’ supplemental health insurance coverage, but continued to deduct funds from the trust accounts and took the funds for herself.  Also, when certain residents’ trust accounts were credited with Economic Impact Payments (“COVID-19 stimulus payments”), Vito took the funds for herself and then debited the residents’ accounts at a rate of approximately $60 a day until the stimulus funds were depleted.

    It is alleged that during the scheme, Vito fraudulently negotiated approximately 500 checks.  When she was confronted by family members of certain residents, Vito created and provided to those family members false account statements that misrepresented the balances in the residents’ trust accounts.

    The indictment also alleges that, between approximately May and July 2023, Vito was employed as a bookkeeper at a law firm in Hartford, referred to in the indictment as “Company B.”  Vito took fraudulently generated checks drawn on Company B’s bank account and issued as “Pay to the Order of ‘Petty Cash, ’” forged the signature of an authorized employee on the checks, cashed the checks, and kept the funds for herself.  She then recorded the fraudulently negotiated checks in Company B’s books and records as “Petty Cash.”

    It is alleged that Vito stole a total of more than $200,000 through these schemes.

    The indictment charges Vito with five counts of wire fraud, an offense that carries a maximum term of imprisonment of 20 years on each count, and 12 counts of bank fraud, an offense that carries a maximum term of imprisonment of 30 years on each count.

    U.S. Attorney Avery stressed that an indictment is not evidence of guilt. Charges are only allegations, and the defendant is presumed innocent unless and until proven guilty beyond a reasonable doubt.

    This investigation is being conducted by the Federal Bureau of Investigation, with the assistance of the Stamford Police Department and Hartford Police Department.  The case is being prosecuted by Assistant U.S. Attorney Michael S. McGarry.

    MIL Security OSI –

  • MIL-OSI Global: Want to go viral this #Halloween? It’s all about tapping into fun, fears and algorithms

    Source: The Conversation – UK – By Anastasia Denisova, Senior Lecturer in Journalism, University of Westminster

    Here they come: an apron and tattoos that make you look like chef Carmy from The Bear, or weird insect-like accessories resembling the infamous Paris Fashion Week bedbugs – new year, new over-the-top inventive Halloween trends. Thanks to the proliferation of social media platforms like TikTok and Instagram, we’re in for a treat for this year’s online Halloween extravaganza.

    What used to be a traditional holiday celebrated with reverence by the people remembering the religious meaning of All Hallow’s Eve, or simply an excuse for phantasmagorical parties by those who didn’t, Halloween is now exhibiting a whole new digital layer.

    Last year, the hashtag #Halloween was viewed three billion times in a week. We live in a time of “information fatigue”, “information anxiety” or even “infobesity”, as some academics call our oversaturated media environment, with plentiful, often unpleasant stimuli coming from the news and social media.

    No one’s 20s and 30s look the same. You might be saving for a mortgage or just struggling to pay rent. You could be swiping dating apps, or trying to understand childcare. No matter your current challenges, our Quarter Life series has articles to share in the group chat, or just to remind you that you’re not alone.

    Read more from Quarter Life:

    All this badly affects our biological systems, which have not developed as fast as the media environment. As a result, we are overwhelmed, anxious, overstimulated and struggling with processing so much information. It is hard to cut through this noise, whether you’re a journalist, politician, influencer or just someone having fun in a pumpkin latte costume.

    In my research on viral journalism, I discovered that even professional communicators struggle to keep up with the changes in social media algorithms and various new functions of these platforms. Many feel discouraged by the non-transparency of social media giants and prefer to rely on classic principles of strong reporting and creative presentation formats. But what are the triggers for media virality for those who still want their posts to explode online?

    Not a virus, but a choice

    Halloween, like St Valentine’s Day and other annual celebrations, presents a chance to be the new viral sensation, simply because using the hashtag #Halloween instantly grants additional visibility.

    Virality stands on two pillars – the opaque algorithms of social networks, and people’s emotional reactions. Unlike viruses, from which the word “viral” originates, virality online is not a malady, but a choice. People instinctively choose content that will satisfy their needs. These can be having something to think about, or a distraction, so we don’t have to think about other things going on in the world.

    Engagement with stories online is seldom rational – research has shown that emotions dominate our relationship with news and social media. The feelings of awe, anger and anxiety are the strongest predictors for a post to go viral.

    So how, when creating content, do we achieve the coveted reaction of “awe”? This feeling can be described in a variety of ways, from a religious epiphany, to deep appreciation because we’re impressed, to the sense of calm experienced through nature. This is where the theory of memes can help.

    Halloween costumes on social media are, essentially, wearable and broadcastable memes. These, as my book Internet Memes and Society explains, are half-baked jokes and weird cryptic artefacts that tempt users to figure out why they are supposed to be funny.

    Memes are used as everyday language, political tools, and “fast-food” media. Will a costume based on Only Murders in the Buildings’ Christmas fitness influencer make it to viral stardom? Will it be another take on the brat summer? Or perhaps some twisted commentaries on the cost-of-living crisis?

    Theories of humour and Halloween costumes

    I predict that virality this season will demand either to go full-on maximalist, or be understated and minimalist. The theories of humour stand on three pillars: humour as release, humour as aggression, and humour as incongruity.

    Perhaps we will also see the manifestations of what Plato called comedy as scorn: “Taken generally,” the ancient Greek philosopher mused, “the ridiculous is a certain kind of evil, specifically a vice.” Expect the highest-earning or most influential celebrities to be shoved off their pedestal and roundly mocked in a Halloween costume.

    What about incongruity? Some of the more absurd costumes from last year featured a drink coaster and a paper bag, or a man dressed as a ULEZ street camera. These examples generate a reaction of awe, surprise and glee, making the posts worthy of sharing.

    And finally, release. Humour is invaluable when it comes to dissipating worries or letting off steam. The recent viral sensation from the music band The Kiffness’ “Eating the cats” ft Donald Trump hilariously reimagined a phrase from the US presidential debate as a soft reggae hit – and a hit it has become, amassing eight million views in a matter of weeks.

    This Halloween will surely see a couple of TikTokers dressed as cats, or dogs, or even “a catalogue of other things to eat”. Humour allows us to reveal the ridiculousness of certain political claims, and therefore serves as a soothing tool that unites people and challenges those in power through mockery.

    Virality as modern mythology

    Virality – memes included – forms the modern mythology. The media informs our collective identities and often the things we think about, which means the themes of this Halloween will most likely reveal what people are scared of as a way to release those fears.

    Who will people mock because they feel intimidated by a particular public figure’s power, wealth, talent, influence, looks or profile (aggression). Or who or what do people find awe-inspiring or puzzling this year (incongruity)?

    After all, Halloween is the one time of the year that reminds people of the medieval carnivals of the 14th century – the only time jesters and critics could come to the main square and have a go at the king. The digital carnival (as academics like myself sometimes call the digital mockery of the elites) is not limited to a specific time in the year.

    The never-ending flow of ridicule, sarcasm and dressing up online never ceases to amaze viral studies academics. But the end of October sees a particular concentration of this subversion, attracting the attention of the digital crowds seeking to laugh at the rich, famous and powerful.

    People form and negotiate cultural codes through viral cultures, by choosing what posts to share, like, and comment on. Through these interactions, valuable meanings and identities emerge, and it will be fascinating to see which meanings the collective beehive wants to focus on this Halloween 2024. Whether that’s Carmy Berzatto in his blue apron or the cats and dogs of Springfield.

    Anastasia Denisova does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. Want to go viral this #Halloween? It’s all about tapping into fun, fears and algorithms – https://theconversation.com/want-to-go-viral-this-halloween-its-all-about-tapping-into-fun-fears-and-algorithms-242166

    MIL OSI – Global Reports –

  • MIL-OSI Global: Can a superstar hippo help save Africa’s rainforests?

    Source: The Conversation – UK – By Will de Freitas, Environment + Energy Editor, UK edition

    The world’s first superstar hippo lives in a zoo in Thailand. Moo Deng shot to fame soon after she was born in July this year, thanks to viral videos that showed off her cute expressions and chirpy demeanour. Yet the story of her species is less happy, and reveals the close links between the extinction and climate change crises.

    Moo Deng is a pygmy hippo, a species native to the forests of west Africa. Unlike their bigger and significantly scarier cousins (regular hippos), the pygmys are secretive creatures, who like to conceal themselves in swamps and dense vegetation.

    Today, pygmy hippos are officially listed as endangered. Huanyuan Zhang-Zheng and Sulemana Bawa, conservationists at the University of Oxford, point out that 80% of their native forests have been lost. Just 2,500 remain in the wild.



    Read more:
    Moo Deng: the celebrated hippo’s real home has disappeared – will the world restore it?

    “Cocoa production is probably the biggest cause of forest loss,” they write, “then gold mining and unsustainable logging. These activities now encroach on forest reserves and other supposedly protected areas.”


    This roundup of The Conversation’s climate coverage comes from our award-winning weekly climate action newsletter. Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. Join the 35,000+ readers who’ve subscribed.

    You probably didn’t want to hear this (I certainly didn’t) but it seems chocolate is helping wipe out the pygmy hippo. This pressure is unlikely to let up any time soon: the Ivory Coast, home of most of these hippos, is also the world’s number one cocoa exporter.

    But it was another passage in their article which really caught my eye. Zhang-Zheng and Bawa wrote: “West Africa’s forest loss is particularly heartbreaking as research shows that a remaining patch may be the most productive on Earth, surpassing even the Amazon rainforest.” (Productive, in this context, refers to how much plant growth there is).

    Before extensive fieldwork beginning in 2016, researchers had underestimated the value of west African forests, particularly their capacity to store carbon and thereby offset global warming. This oversight was partly the result of these forests being hidden by clouds, which makes satellite observation difficult, and their relative neglect by western researchers compared with other ecosystems elsewhere.

    This made me wince. Has The Conversation been part of this neglect? After all, Jack and I have edited dozens of articles on the Amazon and its role in the climate system, but relatively few on forests in Africa.

    Researchers are doing their best to highlight how important these forests are for the climate. Here’s one of them, Michele Francis of Stellenbosch University in South Africa, writing about her research on a “sacred forest” in Togo, west Africa: “My calculations showed that one hectare of forest [about two and a half football pitches] is able to permanently remove as much carbon dioxide from the atmosphere as is released by a power station burning nearly 16 tonnes of coal.”



    Read more:
    ‘Sacred forests’ in West Africa capture carbon and keep soil healthy

    African forest elephants, like this one in the Republic of Congo, are smaller than their cousins on the savanna.
    Roger de la Harpe / shutterstock

    But Africa’s biggest forest by far is found a thousand miles to the south east, in the Congo Basin. The world’s second largest rainforest is almost half the size of the Amazon yet has only a small portion of its global fame.

    As the forest is underresearched, there are still huge discoveries to be made. Back in 2017, Simon Lewis and Greta Dargie of the University of Leeds lead a UK-Congolese team who first mapped out an England-sized tropical peatland – the world’s largest – under marshy wetlands deep in the jungles of Congo. They wrote about this for The Conversation at the time:

    After 17 days, covering just 1.5km a day, we finally reached the centre of the swamp between two of the major rivers. Our reward was not only the knowledge that these peatlands are indeed vast. We also found ever-deeper peat, reaching up to 5.9m, roughly the height of a two-storey building.



    Read more:
    How we discovered the world’s largest tropical peatland, deep in the jungles of Congo

    Peat is made of partially-decomposed plant matter and can store extraordinary amounts of carbon. Lewis and Dargie “found 30 billion metric tonnes of carbon stored in this new ecosystem that nobody knew existed. That’s equivalent to 20 years of current US fossil fuel emissions.”

    This rainforest, and its huge carbon stores, are under threat. In 2022, Lewis, writing with his Leeds colleague Bart Crezee, warned that plans to drill for oil in the Democratic Republic of Congo could be “the beginning of the end for these peatlands”.



    Read more:
    Congo peat swamps store three years of global carbon emissions – imminent oil drilling could release it

    They updated their map of Congolese peatlands and overlayed it on a map of proposed oil concessions. They discovered:

    The upcoming sale of rights to explore for fossil fuels includes close to 1 million hectares of peat swamp forest. If destroyed by the construction of roads, pipelines and other infrastructure needed to extract the oil, we estimate that up to 6 billion tonnes of CO₂ could be released, equivalent to 14 years’ worth of current UK greenhouse gas emissions.

    In late 2023, DR Congo postponed its plans to drill for oil. It seems the scientists really were listened to – for the time being at least.

    Yet oil drilling is only one threat, in one corner of a vast forest. Researchers lead by Judith Verweijen of the University of Antwerp have written about the armed conflicts and industrial mining affecting the eastern end of the same Congo Basin.



    Read more:
    Mining and armed conflict threaten eastern DRC’s biodiversity in a complex web

    The mines, for instance, degrade the soil and pollute the water, and trees must be cleared to make way for them.

    But Verweijen and colleagues say there are also indirect effects that “stem from the construction of new roads to make mining sites accessible, and population growth in the vicinity of mines. This leads to further natural resource exploitation, such as fuel and construction wood extraction, bushmeat hunting and shifting agriculture.”

    None of this has caused the same global outcry as fires in the Amazon or palm oil deforestation in Indonesia. What might fix that?

    Back to Moo Deng. Many conservation academics will tell you that a single well-known species can be the key to saving an entire ecosystem and its often boring-but-crucial biodiversity. Protect the tigers, pandas or pygmy hippos, and you’ll also ensure the survival of the worms, ants and peat bogs.

    If it takes a viral hippo to at least cast some attention on the disappearing rainforests of Africa, then so be it.

    – ref. Can a superstar hippo help save Africa’s rainforests? – https://theconversation.com/can-a-superstar-hippo-help-save-africas-rainforests-242481

    MIL OSI – Global Reports –

  • MIL-OSI USA: NREL Celebrates Industry Advancements on Weatherization Day

    Source: US National Renewable Energy Laboratory

    Key Resources Are Helping the Weatherization Workforce Provide Benefits for Low-Income Households

    Two weatherization technicians carry a new furnace into a manufactured home. Photo from Energy Resource Center

    The perfect winter coat should be comfortable to wear—not too warm and not too cold. It’s affordable, sturdy, and protects you well from the wind, rain, and snow.

    The U.S. Department of Energy’s (DOE’s) Weatherization Assistance Program (WAP) helps thousands of low-income families find the perfect coat for their homes every year. Installations and upgrades through weatherization services work to increase the energy efficiency and safety of homes—ensuring that they can stay comfortable through the changing seasons, with lower energy bills and health benefits for residents.

    The National Renewable Energy Laboratory (NREL) supports WAP in strengthening the weatherization and home performance industry through robust, collaborative resources for building up a qualified workforce and quality work.

    This Weatherization Day, NREL is celebrating its work on key resources developed over the past year to highlight and advance WAP’s impact across states and territories.

    Telling the Story of Weatherization

    An energy auditor chats with the owner of a home being weatherized. Photo by Werner Slocum, NREL

    As weatherization enhances homes through upgrades, it changes lives.

    One homeowner in Utah was paying energy bills that were higher than her house payments. Once WAP worked on her home, not only were her bills reduced, but potential safety issues in her home were also addressed. “It’s a game changer,” the homeowner said.

    NREL is working to compile stories like these in WAP’s Successes & Solutions Center, a database of short examples that WAP organizations can use to improve their own processes and celebrate positive impacts for clients. Stories include successes in workforce development, technical solutions, and more.

    “There are so many innovative processes that WAP agencies across the country use every day, but not everybody knows about them,” NREL researcher Allison Moe said. “By highlighting these solutions, we aim to give the weatherization network more insight into new methods they can try out in their work.”

    These examples provide useful details for replicable solutions—and photos can be just as helpful for inspiring better processes. Maintained by NREL, DOE’s Weatherization Image Gallery is a free-to-use resource with over 150 high-quality images. The gallery contains images of weatherization installations, mechanical equipment, and materials. These photos are vetted by NREL researchers for accuracy and compliance with the Standard Work Specifications, an industry guide to ensure home energy upgrade work is effective, durable, and safe. WAP organizations can use these images to enhance their field guides, presentations, marketing materials, and more to help visualize the impact of weatherization.

    Supporting Weatherization Workers in the Field

    An energy auditor inspects a refrigerator during the audit of a home. Photo by Dennis Schroeder, NREL

    Residential energy auditors are always on the go, providing in-depth house assessments and developing comprehensive scopes of work for upgrades needed in client’s homes. NREL’s Residential Energy Auditor Resource Repository gathers useful resources into one place for energy auditors in the field, so they can save time searching for the online tools needed to complete their assessments.

    As part of this effort, NREL supported a makeover of DOE’s Refrigerator and Freezer Energy Rating Search Tool. With a variety of brands, model numbers, and manufacture years to search by, the tool allows energy auditors to quickly discover the energy consumption for these appliances in client’s homes.

    “During a comprehensive energy audit, the accuracy of an energy auditor’s assessment is key,” said Cory Chovanec, NREL weatherization colead. “This resource repository aims to help energy auditors locate accurate information more quickly in support of data collection or analysis of residential buildings.”

    This summer, NREL began work with the Association of Energy Engineers on another effort to support a qualified workforce: a virtual field exam. Historically, aspiring energy auditors must pass an online written exam and in-person field exam at an approved field-test site. By adding a simulated exam as an option, energy auditors will have more flexibility in pursuing their certification.

    “Accessibility is important to support growing a diverse and equitable weatherization workforce,” NREL researcher Meredith Cummings said. “Introducing a simulated field exam provides trainees with a potentially more convenient option if needed.”

    A pilot of the new simulated field exam is expected to launch in 2026.

    Paving the Way for Technical Advances

    More local and state WAP programs are using solar to help clients save money on energy bills. Photo by Werner Slocum, NREL

    In 2022, DOE issued guidance streamlining the inclusion of solar photovoltaics in weatherization services for clients. The number of local and state WAP programs utilizing solar is growing, and NREL research is helping these programs determine which solar pathways are right for them.

    NREL developed a technical report, an online decision guide, and case studies to help programs make informed decisions about how to integrate solar into their work. These resources assist agencies with developing a plan for solar that works best for their service area. Solar technologies might include rooftop solar, community solar, or solar water heaters.

    “WAP implementers can be key contributors in broadening solar energy access for low-income households,” said Juliana Williams, NREL weatherization colead. “These resources can help them maximize benefits for clients.”

    NREL also contributed to a new toolkit with relevant guidance for installing heat pumps in homes. DOE’s Cold Climate Air Source Heat Pump Toolkit provides technology information, consumer information, weatherization and efficiency program partner resources, guidelines and training for contractors, and ongoing technology development and case studies.

    Learn More About Weatherization

    To learn more about how NREL supports weatherization work, visit NREL’s weatherization page or contact weatherization.support@nrel.gov.

    MIL OSI USA News –

  • MIL-OSI Global: Nick Bosa’s MAGA hat vs. Colin Kaepernick’s kneeling: Will the NFL reveal a double standard?

    Source: The Conversation – Canada – By Noah Eliot Vanderhoeven, PhD Candidate, Political Science, Western University

    After the San Francisco 49ers won its Oct. 27 National Football League game against the Dallas Cowboys, their star defensive lineman Nick Bosa, appeared in a post-game media segment wearing a “Make America Great Again” hat in violation of the league’s uniform rules.

    The NFL has avoided overt political messages since former 49er Colin Kaepernick’s anthem protests against police brutality against Black Americans. But what are the implications of a white player displaying an overt political message right before the United States presidential election?

    Kaepernick received heavy media scrutiny and was very quickly exiled from the NFL for his protest and the apparent “distraction” it created. The power of the backlash Kaepernick faced was surprising, given that Democrats and Republicans are just as likely to be avid sports fans, with no meaningful differences in the strength of their fandom.

    However, Republican sports fans tend to be more vocal about what causes should receive representation in sport spaces and make these judgments based on greater support for individualism and the military. That means there’s little evidence to support the argument that Americans want sports and politics to remain separate.

    Nevertheless, support for conservative causes in sports spaces are generally accepted while progressive causes face strong resistance.



    Read more:
    How professional sports leagues that embrace social justice causes could influence politics

    Limits on social justice stances

    For example, the NFL was slow to adopt anti-racism messaging following the murder of George Floyd in Minneapolis in May 2020 by a police officer ultimately convicted of murder.

    Players initially felt they were being silenced by proposed league rules preventing players from kneeling during the national anthem. Eventually, the NFL agreed to allow players to feature social justice statements on the backs of their helmets. But this only came about after pushback from Black players, and they were limited to one of six pre-approved statements.

    Generally, the NFL has preferred to support non-partisan political messaging. One example is “get out the vote” initiatives. That has not changed in the lead-up to the 2024 election, as teams have been holding voter registration sessions and featuring the word “vote” prominently in their end zones.

    Bosa’s actions, however, were certainly partisan and constitute athlete activism, regardless of whether he wants to discuss his views any further.

    Previous acts of protest

    Donald Trump’s second candidacy to become president, and the re-emergence of a vocal white ethno-nationalist voice in American politics, has seemingly motivated the demand for agency and fuelled new activism by predominantly Black athletes. Bosa, in the meantime, has used his platform via the NFL to support Trump.

    The literature covering the intersection of sport and politics has mainly focused on individual acts of protest and nationalism. One prominent example are the protests by American sprinters John Carlos and Tommie Smith during the 1968 Olympics in Mexico City.



    Read more:
    The Olympics are ‘on the wrong side of history’ when it comes to free speech

    U.S. athletes Tommie Smith, centre, and John Carlos extend gloved hands skyward in racial protest during the playing of national anthem at the 1968 Olympics.
    (AP Photo)

    Their raised fists while on the medal podium were met with resistance and disapproval, with some commentators at the time arguing their protest was unnecessary and petty. Still today, many believe sport is an improper venue for political messaging.

    In turn, Kaepernick’s protest against police brutality and historic inequalities was seen as unpatriotic, and faced significant criticism.

    Will Bosa face a similar backlash? It seems highly unlikely, especially since Bosa’s support for Trump will probably be framed as patriotic due to the former president’s populist rhetoric about returning America to greatness.

    Double standard?

    The severe backlash against Kaepernick’s protest was driven by conservatives and centred on perceived disrespect for the military and the American flag. Those same conservatives are likely to defend Bosa’s actions, and will probably argue his hat was an expression of his First Amendment rights if the NFL takes serious action against him.

    Former San Francisco 49ers quarterback Colin Kaepernick (7) and outside linebacker Eli Harold (58) kneel during the playing of the national anthem before an NFL football game against the Atlanta Falcons in Atlanta.
    (AP Photo/John Bazemore)

    But when Bosa donned a piece of campaign merchandise on national television a little over a week out from a contentious presidential election, it was overtly political — arguably just as overtly political as taking a knee during the national anthem.

    At the moment, given the NFL’s lack of action against him, Bosa seems to be benefitting from a double standard when it comes to the intersection of sports and politics.

    It doesn’t appear Bosa is going to be suspended or miss any games for his actions. The NFL has until Saturday to announce any consequences for him, and it’s likely he’ll be fined up to US$11,000 for violating the NFL’s uniform rules by wearing unauthorized logos or branding.

    But that fine is probably the full extent of the repercussions Bosa will face, and $11,000 is a bargain for a national television advertisement when the Trump campaign is already spending tens of millions of dollars on advertising.

    ‘Stick to sports’

    Furthermore, Bosa is unlikely to face the kind of dehumanization faced by progressive activist athletes that misappropriates their cause and fuels hostility towards them. When athletes protest in support of social causes, they often see their job market and marketing profile take a hit.

    This is another example that shows when conservatives say athletes should “stick to sports” or “shut up and dribble,” they don’t actually want politics out of sports entirely.

    Rather, they don’t want to see political views they oppose being platformed in professional sports spaces.

    If they agree with the politics, sporting events are seemingly just another stop on the campaign trail.

    Noah Eliot Vanderhoeven does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. Nick Bosa’s MAGA hat vs. Colin Kaepernick’s kneeling: Will the NFL reveal a double standard? – https://theconversation.com/nick-bosas-maga-hat-vs-colin-kaepernicks-kneeling-will-the-nfl-reveal-a-double-standard-242468

    MIL OSI – Global Reports –

  • MIL-OSI United Kingdom: Disastrous budget for farming families

    Source: Traditional Unionist Voice – Northern Ireland

    Statement by TUV vice chairman and East Londonderry representative Councillor Allister Kyle:

    “Every agricultural business with assets, in buildings and land, over £1m will be hit further with 20% inheritance tax. Livestock and equipment were already taken into account for inheritance tax.

    “£1m sounds like a lot of money, which it is, but with the Northern Ireland average farm size being 41 hectares (101 acres), if ground was valued at £12k per acre and a farmyard and house valued at £400k, this would leave a tax bill of around £100k, on top of the livestock and equipment values.

    “One needs to remember that land is not tax deductible when being purchased. Therefore, if a farmer purchases land he pays tax. When his son or daughter inherits the farm, tax will be paid on the same land again. That is perverse.

    “Many farmers will be forced to sell ground to clear this new tax bill which will then also trigger possible capital gains tax to be paid on the level that ground may have increased in value since the time it was bought.

    “Currently 36% of farmers in Northern Ireland are 65 or over.

    “When will the nation and its politicians start to respect those who put food on our tables?

    “The agricultural sector isn’t generally a cash rich business, most profits are usually re-invested in ground, farmyards or equipment to have a lasting legacy for future generations to keep on stewarding the land, caring for livestock and keeping us fed.”

    MIL OSI United Kingdom –

  • MIL-OSI USA: IAM Joins Western Pennsylvania Union Members to Get Out the Vote

    Source: US GOIAM Union

    For weeks, IAM and other union members in Pittsburgh and from across the country have flocked to the Allegheny-Fayette County Labor Council office to pick up materials before heading out to door-knock as part of the national AFL-CIO’s political program.

    In the first stage of the program, political volunteers visited union members’ households to provide information about the candidates endorsed by their unions and to gauge union voters’ priorities.

    Now, less than a week before Election Day, door-knockers are just trying to make sure registered voters get to the polls.

    “It is imperative that we motivate our members to vote in the election of our lifetime,” said IAM Air Transport Territory Grand Lodge Representative Sean Ryan, who has been in and out of Pittsburgh to assist get-out-the-vote efforts.

    IAM Political and Legislative Assistant Ty Richardson has also been on the ground speaking with union members in the battleground state of Pennsylvania.

    “We’re talking to union members to make sure they know how this election will directly affect their lives and livelihoods,” said Richardson.

    IAM members are working with members of the other affiliate unions like the Ironworkers, the International Brotherhood of Electrical Workers, American Federation of Teachers, Association of Federal Government Employees, International Union of Painters and Allied Trades, and United Steelworkers.

    The AFL-CIO’s political program has focused efforts on the seven “swing” states considered to be the states that will decide this election: Pennsylvania, Georgia, North Carolina, Michigan, Wisconsin, Nevada and Arizona.

    In Pittsburgh, the AFL-CIO affiliate unions are advocating for the Kamala Harris and Tim Walz presidential ticket, Bob Casey for re-election in the U.S. Senate, and Summer Lee for Pennsylvania’s 12th Congressional District in the U.S. House of Representatives.

    For information on the union-endorsed candidates, go to betterinaunion.org.

    Share and Follow:

    MIL OSI USA News –

  • MIL-OSI USA: UConn John Dempsey Hospital Earns Geriatric Emergency Department Accreditation by the American College of Emergency Physicians

    Source: US State of Connecticut

    The American College of Emergency Physicians (ACEP), with support from The Gary and Mary West Health Institute and John A. Hartford Foundation, implemented the Geriatric Emergency Department Accreditation (GEDA) program to recognize those emergency departments that provide excellent care for older adults. We are excited to announce that UConn John Dempsey Hospital Emergency Department has achieved the silver standard — Level 2 GEDA accreditation, the only hospital in Hartford County to hold this accreditation.

    Led by a remarkable team of interdisciplinary leaders, including Dr. Matthew Babcock, Geriatric ED Physician Champion, Shannon Curtis, RN, Geriatric ED Nurse Champion, Beata Labunko, Wendy Martinson, RN and Jan Marie Anderson, as well as many other colleagues; UConn John Dempsey Hospital’s accreditation signals to the public that our institution is focused on the highest standards of care for our communities’ older adults.

    The GEDA program is the culmination of years of progress in the emergency care of older adults. In 2014, ACEP along with the Society for Academic Emergency Medicine, Emergency Nurses Association, and American Geriatrics Society, developed and released geriatric ED guidelines, recommending measures ranging from adding geriatric-friendly equipment to specialized staff to more routine screening for delirium, dementia, and fall risk, among other vulnerabilities.

    “I am so proud of and grateful to the team and the hard work that went into the accreditation,” says Caryl Ryan, COO, UConn John Dempsey Hospital, CNO, Vice President, Quality and Patient Care Services and Interim Vice President, Patient Experience.  “This is tremendous for the hospital and the patients who are cared for here.”

    Babcock, with support from the chair of the Department of Emergency Medicine at UConn John Dempsey Hospital, Dr. Robert Fuller, played a key role in formalizing guidelines and data tracking-focused efforts to standardize practices and improve the quality of emergency care for elderly patients. Curtis’s focus had a big impact on geriatric care and staff education.

    Older adults visit emergency departments at a high rate, they often present with multiple chronic conditions and face more social and physical challenges than the general population.

    “No one wants to have their senior loved one in an Emergency Department. Knowing that the UConn ED has made a special effort to build a space and put into practice systems which can support a geriatric ED visit, should make families feel better.  The GED accreditation reflects our commitment to make the care sensitive to the special needs of the senior members of our community,” says Fuller.

    “Our focus is to take excellent care and improve outcomes for the geriatric population who often have complex health issues that require specialized approaches,” says Curtis.

    The voluntary GEDA program, which includes three levels similar to trauma center designations, provides specific criteria and goals for emergency clinicians and administrators to target. The accreditation process provides more than two dozen best practices for geriatric care, and the level of GEDA accreditation achieved depends upon how many of these best practices an emergency department can meet. A Level 2 emergency department must incorporate many of these best practices, along with providing interdisciplinary geriatric education and having geriatric-appropriate equipment and supplies available.

    To improve patient outcomes, we must provide standardized approaches to care that address common geriatric issues, ensure optimal transitions of care from the ED to other settings (inpatient, home, community-based care, rehabilitation, long-term care), improve emergency department throughput, make a positive impact on the bottom line, and support geriatric-focused quality improvement.

    “As an Accredited Geriatric Emergency Department, John Dempsey Hospital’s protocol-driven approach to geriatric care allows us to provide superior, tailored care,” says Babcock “Seniors who visit our emergency department can be assured that the facility has the necessary expertise, equipment, and personnel in place to provide optimal care. We’re excited that our dedication to this population has been recognized and look forward to many more years of building the best geriatric emergency department.”

    MIL OSI USA News –

  • MIL-OSI: Security Federal Corporation Announces Third Quarter Income

    Source: GlobeNewswire (MIL-OSI)

    AIKEN, S.C., Oct. 30, 2024 (GLOBE NEWSWIRE) — Security Federal Corporation (the “Company”) (OTCBB: SFDL), the holding company for Security Federal Bank (the “Bank”), today announced earnings and financial results for the three and nine months ended September 30, 2024.

    The Company reported net income available to common shareholders of $2.0 million, or $0.62 per share, for the quarter ended September 30, 2024, compared to $2.1 million, or $0.65 per share, for the third quarter of 2023. Year-to-date net income available to common shareholders was $5.9 million, or $1.83 per common share, for the nine months ended September 30, 2024, compared to $6.6 million, or $2.02 per common share, during the nine months ended September 30, 2023. Both the quarterly and year-to-date decreases in net income available to common shareholders were primarily due to increases in the provision for credit losses and non-interest expense, as well as the payment of preferred stock dividends during 2024, which were partially offset by increases in net interest income and non-interest income.

    Third Quarter Comparative Financial Highlights

    • Net interest income increased $964,000, or 10.2%, to $10.4 million during the quarter ended September 30, 2024, compared to $9.4 million during the third quarter of 2023.
    • Total interest income increased $2.7 million, or 16.1%, to $19.5 million while total interest expense increased $1.7 million, or 23.7%, to $9.1 million during the quarter ended September 30, 2024 compared to the same quarter the prior year. The increase in interest income and interest expense was the result of higher market interest rates and increased average interest-earning assets and interest-bearing liabilities.
    • Non-interest income increased $457,000, or 21.1%, to $2.6 million during the quarter ended September 30, 2024 compared to the same quarter in the prior year primarily due to $263,000 and $74,000 increases in trust income and gain on sale of loans, respectively.
    • Non-interest expense increased $389,000, or 4.4%, to $9.3 million during the quarter ended September 30, 2024 compared to the same quarter in the prior year primarily due to an increase in salaries and employee benefits expense.
         
        Quarter Ended
    (Dollars in Thousands, except for Earnings per Share)   9/30/2024   9/30/2023
    Total interest income   $ 19,531   $ 16,822
    Total interest expense     9,121     7,376
    Net interest income     10,410     9,446
    Provision for credit losses     580     –
    Net interest income after provision for credit losses     9,830     9,446
    Non-interest income     2,625     2,168
    Non-interest expense     9,313     8,924
    Income before income taxes     3,142     2,690
    Provision for income taxes     732     568
    Net income     2,410     2,122
    Preferred stock dividends     415     –
    Net income available to common shareholders   $ 1,995   $ 2,122
    Earnings per common share (basic)   $ 0.62   $ 0.65
                 
                 

    Year to Date (Nine Months) Comparative Financial Highlights

    • Net interest income increased $1.8 million, or 6.1%, to $30.6 million during the nine months ended September 30, 2024 compared to the same period in the prior year.
    • Total interest income increased $10.5 million, or 22.5%, to $57.1 million while total interest expense increased $8.7 million, or 49.0%, to $26.5 million during the nine months ended September 30, 2024 compared to the same period in the prior year.
    • Non-interest income increased $780,000, or 11.8%, to $7.4 million during the nine months ended September 30, 2024 compared to the same period in the prior year primarily due to a $480,000 increase in trust income.
    • Non-interest expense increased $1.8 million, or 6.5%, to $28.6 million for the nine months ended September 30, 2024 compared to the same period in 2023.
         
        Nine Months Ended
    (Dollars in Thousands, except for Earnings per Share)   9/30/2024   9/30/2023
    Total interest income   $ 57,071   $ 46,593
    Total interest expense     26,497     17,780
    Net interest income     30,574     28,813
    Provision for credit losses     1,090     221
    Net interest income after provision for credit losses     29,484     28,592
    Non-interest income     7,400     6,620
    Non-interest expense     28,617     26,863
    Income before income taxes     8,267     8,349
    Provision for income taxes     1,878     1,775
    Net income     6,389     6,574
    Preferred stock dividends     512     –
    Net income available to common shareholders   $ 5,877   $ 6,574
    Earnings per common share (basic)   $ 1.83   $ 2.02
                 
                 

    Credit Quality

    • The Bank recorded a $1.2 million provision for credit losses on loans and a $110,000 reversal of provision for credit losses on unfunded commitments, resulting in a total provision for credit losses of $1.1 million for the first nine months of 2024, compared to $376,000 in provision for credit losses on loans and a $155,000 reversal of provision for credit losses on unfunded commitments, resulting in a total provision for credit losses of $221,000 for the first nine months of 2023.
    • Non-performing assets were $6.8 million at both September 30, 2024 and December 31, 2023, compared to $6.3 million at September 30, 2023.
    • The allowance for credit losses to gross loans was 1.95%, 1.98% and 2.03% at September 30, 2024, December 31, 2023, and September 30, 2023, respectively.
           
    At Period End (dollars in thousands): 9/30/2024 12/31/2023 9/30/2023
    Non-performing assets $ 6,770   $ 6,825   $ 6,339  
    Non-performing assets to total assets   0.43 %   0.44 %   0.43 %
    Allowance for credit losses $ 13,604   $ 12,569   $ 12,348  
    Allowance for credit losses to gross loans   1.95 %   1.98 %   2.03 %
                       
                       

    Balance Sheet Highlights and Capital Management

    • Total assets were $1.6 billion at September 30, 2024, a year-over-year increase of $99.0 million, or 6.7%.
    • Total loans receivable, net were $686.7 million at September 30, 2024, an increase of $64.2 million during the first nine months of 2024 and a year-over-year increase of $88.7 million.
    • Investment securities decreased $28.7 million during the first nine months of 2024 to $672.1 million at September 30, 2024, as maturities and principal paydowns of investment securities exceeded purchases during the nine-month period.
    • Deposits were $1.3 billion at September 30, 2024, an increase of $62.3 million, or 5.2% during the nine months ended September 30, 2024, and a year-over-year increase of $71.3 million, or 6.0%.
    • Borrowings decreased $49.1 million, or 28.9%, during the nine months ended September 30, 2024 to $121.0 million due to the repayment of borrowings with the Federal Reserve Bank Term Funding Program.
           
    Dollars in thousands (except per share amounts) 9/30/2024 12/31/2023 9/30/2023
    Total assets $ 1,576,326   $ 1,549,671   $ 1,477,330  
    Cash and cash equivalents   132,376     128,284     84,224  
    Total loans receivable, net   686,708     622,529     598,029  
    Investment securities   672,054     700,712     705,558  
    Deposits   1,257,313     1,194,997     1,186,053  
    Borrowings   120,978     170,035     119,898  
    Total shareholders’ equity   185,081     172,362     158,996  
    Common shareholders’ equity   102,132     89,413     76,047  
    Common equity book value per share $ 31.97   $ 27.69   $ 23.46  
    Total risk-based capital to risk weighted assets (1)   19.21 %   19.49 %   19.33 %
    CET1 capital to risk weighted assets (1)   17.96 %   18.24 %   18.08 %
    Tier 1 leverage capital ratio (1)   10.27 %   9.83 %   10.11 %
    (1) – Ratio is calculated using Bank only information and not consolidated information      
           
           

    Security Federal Bank has 19 full-service branches located in Aiken, Ballentine, Clearwater, Columbia, Graniteville, Langley, Lexington, North Augusta, Ridge Spring, Wagener and West Columbia, South Carolina and Augusta and Evans, Georgia. A full range of financial services, including trust and investments, are provided by the Bank and insurance services are provided by the Bank’s wholly owned subsidiary, Security Federal Insurance, Inc.

    Forward-looking statements:

    Certain matters discussed in this press release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements relate to, among other things, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Company’s mission and vision. These forward-looking statements are based upon current management expectations and may, therefore, involve risks and uncertainties. The Company’s actual results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward-looking statements as a result of a wide variety or range of factors including, but not limited to: potential adverse impacts to economic conditions in our local market area or other aspects of the Company’s business, operations or financial markets, including, without limitation, as a result of employment levels, labor shortages and the effects of inflation, a potential recession or slowed economic growth; economic conditions in the Company’s primary market area; demand for residential, commercial business and commercial real estate, consumer, and other types of loans; success of new products; competitive conditions between banks and non-bank financial service providers; changes in management’s business strategies, including expectations regarding key growth initiatives and strategic priorities; legislative or regulatory changes that adversely affect the Company’s business, including the interpretation of regulatory capital or other rules; the ability to attract and retain deposits; the availability of resources to address changes in laws, rules, or regulations or to respond to regulatory actions; adverse changes in the securities markets; changes in accounting policies and practices, as may be adopted by the financial institution regulatory agencies or the Financial Accounting Standards Board, including additional guidance and interpretation on accounting issues and details of the implementation of new accounting methods; technology factors affecting operations, including disruptions, security breaches, or other adverse events, failures or interruptions in, or attacks on, our information technology systems or on the third-party vendors who perform critical processing functions for us; pricing of products and services; environmental, social and governance goals and targets; the effects of climate change, severe weather events, natural disasters, pandemics, epidemics and other public health crises, acts of war or terrorism, and other external events on our business; and other risks detailed in the Company’s reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended December 31, 2023. These factors should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements. The Company does not undertake any responsibility to update or revise any forward-looking statement.

    The MIL Network –

  • MIL-OSI USA: South Carolinians Affected by Hurricane Helene Can Apply for FEMA Assistance and SBA Disaster Loan at the Same Time

    Source: US Federal Emergency Management Agency

    Headline: South Carolinians Affected by Hurricane Helene Can Apply for FEMA Assistance and SBA Disaster Loan at the Same Time

    South Carolinians Affected by Hurricane Helene Can Apply for FEMA Assistance and SBA Disaster Loan at the Same Time

    In addition to applying for FEMA assistance, homeowners and renters in designated South Carolina counties have the option to apply for a low-interest disaster loan from the U.S. Small Business Administration at various stages of their recovery. While FEMA doesn’t require survivors to apply for an SBA loan before being considered for FEMA assistance, the SBA can offer financial support to individuals and business owners to aid their recovery.Homeowners and renters in Abbeville, Aiken, Allendale, Anderson, Bamberg, Barnwell, Beaufort, Cherokee, Chester, Edgefield, Fairfield, Greenville, Greenwood, Hampton, Jasper, Kershaw, Laurens, Lexington, McCormick, Newberry, Oconee, Orangeburg, Pickens, Richland, Saluda, Spartanburg, Union and York counties and the Catawba Indian Nation can apply for federal assistance.How To Apply for FEMA AssistanceThe quickest way to apply is to go online to DisasterAssistance.gov.To get in-person assistance, you can visit any Disaster Recovery Center. To find a center close to you, please go to fema.gov/drc or text “DRC” and a Zip Code to 43362. You can also apply using the FEMA App for mobile devices or calling toll-free 800-621-3362. The telephone line is open every day. Help is available in many languages. If you use a relay service, such as Video Relay Service (VRS), captioned telephone or other service, give FEMA your number for that service. For a video with American Sign Language, voiceover and open captions about how to apply for FEMA assistance, select this link FEMA programs are accessible to survivors with disabilities and others with access and functional needs. FEMA assistance is available for people with disabilities and others with access and functional needs.How To Apply for SBA Disaster LoansThe SBA offers disaster loans to assist businesses, private nonprofits, homeowners and renters with their recovery. Homeowners and renters are eligi­­ble to apply for disaster loans to repair or replace disaster-damaged or destroyed real estate and damaged or destroyed personal property. Businesses and nonprofits are eligible to apply for loans to cover physical damage. Economic Injury Disaster Loans (EIDLs) are also available to qualified businesses and nonprofits to help meet working capital needs caused by the disaster.
    dalton.kramer
    Wed, 10/30/2024 – 18:38

    MIL OSI USA News –

  • MIL-OSI USA: FEMA Disaster Recovery Center Opens in Laurens County

    Source: US Federal Emergency Management Agency

    Headline: FEMA Disaster Recovery Center Opens in Laurens County

    FEMA Disaster Recovery Center Opens in Laurens County

    ATLANTA – FEMA opened an additional Disaster Recovery Center in Laurens County to provide one-on-one help for Georgians affected by Hurricane Helene. The center is open Monday to Saturday from 8 a.m. to 7 p.m., and Sundays from 1 p.m. to 6 p.m.Center location: Laurens CountyOld West Laurens Middle School338 West Laurens School RoadDublin, GA 31021Additional centers are open in Appling, Chatham, Coffee, Liberty, Lowndes, McDuffie, Richmond, Toombs and Washington counties. Additionally, Mobile Disaster Assistance Centers are open in Berrien, Telfair and Ware counties for a limited time. Mobile centers give survivors another option to get help with their application and find other resources.Open Monday – Saturday from 8 a.m. – 7 p.m. and Sunday 1 – 6 p.m.Appling CountyAppling County Agricultural Center2761 Blackshear Highway, Baxley, GA 31513Chatham CountySavannah Technical CollegeStudent Enrichment Center Building5717 White Bluff Road, Savannah, GA 31405Coffee CountyThe Atrium 114 N. Peterson Avenue, Douglas, GA 31533Liberty CountyMiller Park/HQ Fire Station 6944 E. Oglethorpe Highway, Midway, GA 31320Lowndes CountyCity of Valdosta4434 North Forrest Street Extension, Valdosta, GA 31605McDuffie CountyThomson Depot           111 Railroad Street, Thomson, GA 30824Richmond CountyHub for Community Innovation631 Chafee Avenue Augusta, GA 30904Toombs CountyGeorgia Department of Human Services 162 Oxley Drive, Lyons, GA 30436 Washington CountySandersville School Building Authority514 North Harris Street, Sandersville, GA 31082 FEMA Mobile Registration Center location and hoursBerrien County Carrie Dorsey Library315 W. Marion Ave., Nashville, GA 31639Wednesday, Oct. 30, through Friday, Nov. 1 8 a.m. to 7 p.m.  Telfair CountyPiggly Wiggly Parking Lot 48 East Oak Street, McRae-Helena, GA 31055 Monday, Oct. 28 through Saturday, Nov. 2 8 a.m. to 6 p.m.Ware County Courthouse Annex 305 Oak Street, Waycross, Georgia, 31501Monday, Oct. 28 through Saturday, Nov. 2 8 a.m. to 7 p.m.    For the latest information about Georgia’s recovery, visit fema.gov/helene/georgia and fema.gov/disaster/4821. Follow FEMA on X at x.com/femaregion4 or follow FEMA on social media at: FEMA Blog on fema.gov, @FEMA or @FEMAEspanol on X, FEMA or FEMA Espanol on Facebook, @FEMA on Instagram, and via FEMA YouTube channel. Also, follow Administrator Deanne Criswell on Twitter @FEMA_Deanne.
    larissa.hale
    Wed, 10/30/2024 – 18:31

    MIL OSI USA News –

  • MIL-OSI Security: Yukon — Yukon RCMP hope for a safe and enjoyable Halloween for all!

    Source: Royal Canadian Mounted Police

    Here are some safety tips to consider:

    Traffic Awareness: Drive slowly in residential areas and watch carefully for children crossing the street. Remind your children to stay alert for traffic, use sidewalks and cross the street at crosswalks.

    Home Safety: Clear walkways of obstacles to prevent falls and use flameless candles instead of real ones to avoid fire hazards. Keep pets indoors to prevent them from getting scared or escaping during the festivities.

    Costumes: Have something reflective on your child’s costume or carry flashlights or glow sticks to increase visibility in the dark.

    Treat Inspection: Check all treats before you eat! Discard anything that is not sealed or looks suspicious.

    Not everyone celebrates Halloween for various reasons, including cultural, religious, or personal beliefs. It is always good to respect different perspectives. A common practice in some areas is to leave outside lights off to indicate your house is not participating in Halloween trick or treating.

    Be safe and have an awesome Halloween!

    MIL Security OSI –

  • MIL-OSI Global: ‘Each bears his own ghosts’: How the classics speak to these days of fear, anger and presidential candidates stalking the land

    Source: The Conversation – USA – By Rachel Hadas, Professor of English, Rutgers University – Newark

    “Fear stalks the land, including the Upper West Side,” I wrote to a friend the other day. A week before the election, everyone seems to be afraid.

    Not that we’re afraid of the same things. Newspaper owners and corporate leaders fear Donald Trump’s retribution if they endorse Kamala Harris. Election workers fear the mob. Democrats fear losing votes because of the carnage in the Gaza Strip. Trump’s followers fear immigrants.

    Walled up in our silos, we fear what the people in the other silo might inflict on us. The frightening visions have different names and faces, but everyone seems to fear the future.

    Halloween’s ghoulish displays seem to have generated more sales than ever this year, inflation be damned. What with school shootings, random violence and a general atmosphere of threats, one would think we didn’t need to scare ourselves more.

    But as psychologist Sarah Kollat has recently written, Halloween thrills and chills can feel warming and reassuring. People who have survived a frightening shared ordeal, be it a hurricane or flood or fire or war or even, apparently, a haunted house, feel significantly connected to those who have experienced the same fearful event alongside them.

    Our fear can bring us together. It can also tear us apart.

    Halloween provides the language to talk about threats, real or imagined. “The zombies have arrived, and we have to figure out how to navigate around them,” a citizen of a Vermont town was recently quoted as saying. She was talking about homeless people.

    ‘Treachery, Rage and black Fear’

    It’s both easy and helpful to personify fear as something outside of us – to give it, in Shakespeare’s phrase, “a local habitation and a name.”

    Fear looms and fades; visits at night; thrives in certain conditions. In his epic “The Aeneid,” the Roman poet Virgil describes the war god, Mars, as accompanied by his posse: “the god’s retainers – Treachery, Rage, and black Fear – pound beside him.”

    This nightmare troika has a contemporary ring. If by treachery we understand traps, tricks, ambushes, we can plug in political debate, rife with accusations of mendacity; tricks and rage also characterize a good deal of public discourse. And isn’t anger the opposite side of the coin of fear?

    Virgil, a great psychologist of many kinds of unease, also depicts a less aggressive manifestation of fear: “Up on the wall stood frightened mothers, gazing/After the dust cloud and the bronze-bright squadrons.” Uneasy spectators, helpless to protect their loved ones, they watch their sons marching to war. In a similar passage, “mothers, the unarmed commons,/And weak old men came pouring out to fill/Towers and roofs.”

    Those of us not on a battlefield are in a position of tense watching and waiting.

    We feel powerless to affect the outcome; the stakes are high; we fear the worst.

    Love and heroism in short supply

    Fear is linked to love. In Homer’s “Iliad,” Achilles is reluctant to fight for the Greek side not because he’s afraid of death, even though he knows his life may be short. Rather, he’s too angry to sacrifice his life for a cause and commanders he no longer believes in – until his beloved Patroklos is killed by Hector. Only then do Achilles’ mood and motivation change; he eagerly rejoins the fight.

    Characters in Greek tragedies can make terrible decisions, be subject to madness, destroy themselves and others – but they are rarely afraid. The fear and pity Aristotle ascribes to tragedy are the emotions of the spectator.

    In connection with fear, one of the only characters in Greek tragedy who readily comes to mind is Admetus, the husband of Alcestis in Euripides’ play of that name. Informed that he is fated to die, Admetus scrambles frantically for a substitute to die in his place. His own father huffily refuses, but his wife Alcestis volunteers.

    When at the end of the play a veiled, silent figure we presume to be Alcestis reappears, there’s relief, as well as some nervous laughter. This play, with its – sort of – happy ending, turns out not to be a tragedy after all. It’s closer to dark comedy.

    In our own time, rather than fear of death, fear of loss looms large – fear of isolation, humiliation, status; fear of poverty; fear of change. Elsewhere in “the Aeneid,” a character in the underworld makes a resonant remark about the afterlife: “Each bears his own ghosts.”

    Maybe each of us has our own flavor of fear. There’s not much love or heroism in evidence these Halloween and preelection days. Anger and treachery, fear’s companions, are on daily display.

    Rachel Hadas does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. ‘Each bears his own ghosts’: How the classics speak to these days of fear, anger and presidential candidates stalking the land – https://theconversation.com/each-bears-his-own-ghosts-how-the-classics-speak-to-these-days-of-fear-anger-and-presidential-candidates-stalking-the-land-242286

    MIL OSI – Global Reports –

  • MIL-OSI Global: Slow vote-counting, flip-flopping leads, careful certification and the weirdness of the Electoral College – people who research elections look at what to expect on election night

    Source: The Conversation – USA – By Jeff Inglis, Politics + Society Editor, The Conversation US

    What should you make of the flood of information about the election? Dilok Klaisataporn/iStock / Getty Images Plus

    As Election Day arrives, people’s feelings of eagerness and anxiety can intensify. It’s normal to want to know the results, but it’s also important to make sure that when the results are announced, they’re accurate.

    The Conversation U.S. has covered many aspects of the election, including the mechanics of tallying and reporting the votes. Here are selections from some of those articles:

    1. How long did it take to count votes in 2020?

    In 2020, Election Day was Nov. 3. While some results emerged that evening and over the subsequent days, it was not until four days later, Nov. 7, that The Associated Press called the race for Joe Biden over Donald Trump.

    Waiting can be unsatisfying, wrote John M. Murphy, a communications scholar at the University of Illinois at Urbana-Champaign, but it’s key to getting accurate results.

    Murphy warned: “People tend to see what they want to see. … Partisans want that beautiful picture of triumph, blue or red seas cascading across screens on election night.” But, he observed, that might be a mirage – and realizing it’s a mirage means one thing: “Wait. … Wait until we know it’s real.”



    Read more:
    A new president will be elected − but it may take some time to determine who wins

    Election officials count ballots at the Allegheny County elections warehouse in Pittsburgh in 2020.
    Jeff Swensen/Getty Images

    2. Why do candidates’ leads change as the results emerge?

    Every state counts votes slightly differently. Some, like Colorado, allow election workers to begin counting absentee ballots in advance of Election Day, while in other states, like Illinois, the count can’t even start until the polling places close at the end of Election Day.

    In addition, various communities report their results in different ways. Some may release preliminary results every so often while the counting continues, while others may wait until counting is fully complete before announcing any results.

    That’s why vote counts change over time: Partial results are updated, and additional results are added to statewide tallies. In a 2020 article, Kristin Kanthak, a political science professor at the University of Pittsburgh, went through the whole process, including the release of partial results:

    “Importantly … this doesn’t mean the system is ‘rigged.’ Actually, it means the system is transparent to a fault,” she wrote.



    Read more:
    How votes are counted in Pennsylvania: Changing numbers are a sign of transparency, not fraud, during an ongoing process

    3. How do we know the results are accurate?

    Election officials take their jobs very seriously and work hard to count all the eligible votes accurately while under great pressure. They have specific rules and processes for how to handle ballots and vote-counting.

    Derek Muller, an election-law scholar at the University of Notre Dame, explained those steps in detail, highlighting the focus on verifiable facts rather than people’s opinions about the process:

    “Certifying an election is a rather mundane task. … It is little more than making sure all precincts have reported and the arithmetic is correct. But it is an important task, because it is the formal process that determines who won the most votes.”



    Read more:
    No, local election officials can’t block certification of results — there are plenty of legal safeguards

    Washoe County employees in Nevada open ballots as they begin processing mailed ballots in the 2024 primary election.
    AP Photo/Andy Barron

    4. Who invented the Electoral College?

    Of course, the candidate who gets the most votes doesn’t necessarily win the presidency. The official decision is made by the Electoral College.

    Phillip VanFossen, a civics educator at Purdue University, explained that the Constitutional Convention in the summer of 1787 came up with three ideas, but couldn’t agree. Determined to find common ground, even if it was imperfect, the delegates told 11 men to come up with a solution, which was the Electoral College.

    VanFossen explained that “with this compromise system, neither public ignorance nor outside influence would affect the choice of a nation’s leader. (The delegates) believed that the electors would ensure that only a qualified person became president. And they thought the Electoral College would serve as a check on a public who might be easily misled, especially by foreign governments.”



    Read more:
    Who invented the Electoral College?

    5. Why does the US still have an Electoral College?

    Other nations were inspired by the U.S. Constitution, but not for long, as Westminster College political scientist Joshua Holzer explained:

    “None have been satisfied with the results. And except for the U.S., all have found other ways to choose their leaders.”

    Many people in the U.S. also aren’t satisfied with the Electoral College, and Holzer identifies one effort under way to replace it without amending the Constitution. But even that won’t ensure that the person who becomes president is supported by at least half of the people who cast ballots.



    Read more:
    No country still uses an electoral college − except the US

    – ref. Slow vote-counting, flip-flopping leads, careful certification and the weirdness of the Electoral College – people who research elections look at what to expect on election night – https://theconversation.com/slow-vote-counting-flip-flopping-leads-careful-certification-and-the-weirdness-of-the-electoral-college-people-who-research-elections-look-at-what-to-expect-on-election-night-241340

    MIL OSI – Global Reports –

  • MIL-OSI USA: FEMA Officials Meet Local Officials as Helene, Milton Recovery Progresses

    Source: US Federal Emergency Management Agency

    Headline: FEMA Officials Meet Local Officials as Helene, Milton Recovery Progresses

    FEMA Officials Meet Local Officials as Helene, Milton Recovery Progresses

    WASHINGTON – More than a month after Helene made landfall, FEMA officials remain on the ground coordinating with local officials in affected states to help guide their recovery.   Visits included Victoria Salinas, Senior Official Performing the Duties of Deputy Administrator, meeting with officials over several days in North Carolina and Florida. There Salinas and other FEMA officials discussed how the communities were progressing in their recovery and surveyed the effectiveness of modern building codes in minimizing storm-related damage.FEMA has approved more than $1.3 billion in direct assistance to Hurricanes Helene and Milton survivors. These funds help survivors with housing repairs, personal property replacement and other essential recovery efforts. Additionally, over $1.1 billion has been approved for debris removal and emergency protective measures, which are necessary to save lives, protect public health and prevent further damage to public and private property. More than 1,400 FEMA Disaster Survivor Assistance team members are in affected neighborhoods across affected states helping survivors apply for assistance and connecting them with additional state, local, federal and voluntary agency resources. Also, FEMA now has 76 Disaster Recovery Centers open throughout the hurricane affected communities. Center locations can be found at FEMA.gov/DRC. Centers can provide survivors in-person help with their applications and answer questions they have about available resources to help with their recovery.The U.S. Army Corps of Engineers announced Operation Blue Roof which is a free service to homeowners for 25 counties in Florida impacted by Hurricane Milton. Residents can sign-up at www.blueroof.gov or by calling 888-ROOF-BLU (888-766-3258).  The sign-up period deadline is Nov. 5.FEMA encourages Helene and Milton survivors to apply for disaster assistance online as this remains the quickest way to start your recovery. Individuals can apply for federal assistance by: Applying online at disasterassistance.govUsing the FEMA AppCalling 800-621-3362, Staffed daily from 7 a.m.-10 p.m. local timeVisiting a Disaster Recovery Center to talk with FEMA and state agency officials and apply for assistancePresident Joseph R. Biden has approved major disaster declarations in six states–Florida, Georgia North Carolina, South Carolina, Tennessee and Virginia–affected by Helene. He has also approved a major disaster declaration for Florida following Hurricane Milton.These photos highlight response and recovery efforts across states affected by hurricanes Helene and Milton. 

    SWANNANOA, North Carolina – FEMA sets up a mobile Disaster Recovery Center in an affected North Carolina community. Helene survivors in Swannanoa and nearby areas can visit this center to apply for federal disaster assistance and ask questions about available state and federal resources for their recovery. 

    SAVANNAH, Georgia – FEMA staff and FEMA Corps members help survivors of Hurricane Helene at the Disaster Recovery Center in Savannah.

    CORTEZ, Florida – Victoria Salinas, FEMA Senior Official Performing the Duties of Deputy Administrator, and other FEMA personnel join Manatee County officials in the Hunters Point Neighborhood in Cortez. There they spoke with an owner of a property development to talk about how building codes helped the community following the recent hurricanes. 

    COLLETSVILLE, North Carolina – Victoria Salinas, FEMA Senior Official Performing the Duties of Deputy Administrator, surveys the flood damage from Wilson Creek along Brown Mountain Road with members of the Collettsville Fire Department. Salinas also talked with the owners of the Brown Mountain Resort as they shared their story of surviving the flood from Hurricane Helene. 

    FEMA’s Disaster Recovery Toolkit provides graphics, social media copy and sample text in multiple languages. In addition, FEMA has set up a rumor control web page to reduce confusion about its role in the Helene and Milton response and recovery. 
    annie.bond
    Wed, 10/30/2024 – 17:58

    MIL OSI USA News –

  • MIL-OSI: Alpine Banks of Colorado announces financial results for third quarter 2024

    Source: GlobeNewswire (MIL-OSI)

    GLENWOOD SPRINGS, Colo., Oct. 30, 2024 (GLOBE NEWSWIRE) — Alpine Banks of Colorado (OTCQX: ALPIB) (“Alpine” or the “Company”), the holding company for Alpine Bank (the “Bank”), today announced results (unaudited) for the quarter ended September 30, 2024. The Company reported net income of $13.6 million, or $127.16 per basic Class A common share and $0.85 per basic Class B common share, for third quarter 2024.

    Highlights in third quarter 2024 include:

    • Basic earnings per Class A common share increased 16.8%, or $18.28, during third quarter 2024.
    • Basic earnings per Class A common share decreased 16.8%, or $18.30, compared to third quarter 2023.
    • Basic earnings per Class B common share increased 16.8%, or $0.12, during third quarter 2024.
    • Basic earnings per Class B common share decreased 16.8%, or $0.12, compared to third quarter 2023.
    • Net interest margin for third quarter 2024 was 2.98%, compared to 2.87% in second quarter 2024, and 2.87% in third quarter 2023.

    “Third quarter 2024 results show a continuation of our improving financial performance,” said Glen Jammaron, Alpine Banks of Colorado President and Vice Chairman. “Alpine successfully grew customer deposit balances, paid down brokered CDs and decreased the cost of our funding during the third quarter. Both our net interest margin and return on assets saw improvements over the first and second quarters of 2024.”

    Net Income
    Net income for third quarter 2024 and second quarter 2024 was $13.6 million and $11.7 million, respectively. Interest income increased $1.9 million in third quarter 2024 compared to second quarter 2024, primarily due to increases in yields on the loan portfolio and increased balances in due from banks. These increases were slightly offset by decreased yields and volumes in the securities portfolio and decreased rates on due from banks, along with decreased volume in the loan portfolio. Interest expense increased $0.3 million in third quarter 2024 compared to second quarter 2024, primarily due to increased balances in deposit accounts. This increase was partially offset by decreases in costs on, and volume of, the Company’s trust preferred securities. Noninterest income increased $1.3 million in third quarter 2024 compared to second quarter 2024, primarily due to increases in service charges on deposit accounts, and other income. Noninterest expense decreased $0.8 million in third quarter 2024 compared to second quarter 2024, due to decreases in other expenses and salary and employee benefit expenses slightly offset by increases in occupancy expenses and furniture and fixture expenses. A provision for loan losses of $1.2 million was recorded in third quarter 2024 compared to a $0.2 million provision recorded in second quarter 2024.

    Net income for the nine months ended September 30, 2024, and September 30, 2023, was $35.9 million and $46.0 million, respectively. Interest income increased $18.5 million in the first nine months of 2024 compared to the first nine months of 2023, primarily due to increases in volume in the loan portfolio and balances due from banks, along with increases in yields on the loan portfolio, the securities portfolio, and balances due from banks. These increases were slightly offset by a decrease in volume in the securities portfolio. Interest expense increased $31.8 million in the first nine months of 2024 compared to the first nine months of 2023, primarily due to increases in costs on the Company’s trust preferred securities, other borrowings, and cost of deposits, along with increases in volume in deposit balances. These increases were partially offset by a decrease in the volume of other borrowings. Noninterest income increased $3.3 million in the first nine months of 2024 compared to the first nine months of 2023, primarily due to increases in earnings on bank-owned life insurance, service charges on deposit accounts and other income. Noninterest expense increased $3.0 million in the first nine months of 2024 compared to the first nine months of 2023, due to increases in salary and employee benefit expenses and occupancy expenses. These increases were partially offset by decreases in furniture and fixture expenses and other expenses. Provision for loan losses decreased $0.3 million in the first nine months of 2024 due to loan portfolio declines and a small volume of loan charge-offs, compared to the nine months ended September 30, 2023.

    Net interest margin increased from 2.87% in second quarter 2024 to 2.98% in third quarter 2024. Net interest margin for the nine months ended September 30, 2024, and September 30, 2023, was 2.89% and 3.17%, respectively.

    Assets
    Total assets increased $107.0 million, or 1.7%, to $6.58 billion as of September 30, 2024, compared to June 30, 2024, primarily due to increased cash and due from banks and investment securities balances, partially offset by decreased loans receivable. Total assets increased $110.6 million, or 1.7%, from September 30, 2023, to September 30, 2024. The Alpine Bank Wealth Management* division had assets under management of $1.34 billion on September 30, 2024, compared to $1.09 billion on September 30, 2023, an increase of 23.3%.

    Loans
    Loans outstanding as of September 30, 2024, totaled $4.0 billion. The loan portfolio decreased $36.3 million, or 0.9%, during third quarter 2024 compared to June 30, 2024. This decrease was driven by a $22.9 million decrease in real estate construction loans and a $33.7 million decrease in residential real estate loans, partially offset by a $13.7 million increase in commercial and industrial loans, a $5.0 million increase in commercial real estate loans, a $1.6 million increase in consumer loans, and a $0.1 million increase in other loans.

    Loans outstanding as of September 30, 2024, reflected a decrease of $5.0 million, or 0.1%, compared to loans outstanding of $4.0 billion on September 30, 2023. This decrease was driven by a $102.8 million decrease in real estate construction loans, partially offset by a $54.9 million increase in commercial real estate loans, a $20.8 million increase in residential real estate loans, a $20.0 million increase in commercial and industrial loans, a $1.8 million increase in consumer loans and a $0.3 million increase in other loans.

    Deposits
    Total deposits increased $74.1 million, or 1.3%, to $5.9 billion during third quarter 2024 compared to June 30, 2024, primarily due to a $110.1 million increase in demand deposits and a $49.5 million increase in money market accounts. This increase was partially offset by a $36.4 million decrease in certificate of deposit accounts, a $3.8 million decrease in savings accounts, and a $45.4 million decrease in interest-bearing checking accounts. Brokered certificates of deposit totaled $330.7 million on September 30, 2024, compared to $390.5 million on June 30, 2024. Noninterest-bearing demand accounts comprised 30.7% of all deposits on September 30, 2024, compared to 29.3% on June 30, 2024.

    Total deposits of $5.9 billion on September 30, 2024, reflected an increase of $38.5 million, or 0.7%, compared to total deposits of $5.8 billion on September 30, 2023. This increase was due to a $248.2 million increase in money market accounts, partially offset by a $41.6 million decrease in certificate of deposit accounts, a $111.6 million decrease in interest-bearing checking accounts, a $27.0 million decrease in demand deposits and a $29.5 million decrease in savings accounts. Brokered certificates of deposit totaled $330.7 million on September 30, 2024, compared to $563.7 million on September 30, 2023. Noninterest-bearing demand accounts comprised 30.7% of all deposits on September 30, 2024, compared to 31.4% on September 30, 2023.

    Capital
    The Bank continues to be designated as a “well capitalized” institution as its capital ratios exceed the minimum requirements for this designation. As of September 30, 2024, the Bank’s Tier 1 Leverage Ratio was 9.62%, Tier 1 Risk-Based Capital Ratio was 14.15%, and Total Risk-Based Capital Ratio was 15.30%. On a consolidated basis, the Company’s Tier 1 Leverage Ratio was 9.23%, Tier 1 Risk-Based Capital Ratio was 13.59%, and Total Risk-Based Capital Ratio was 15.85% as of September 30, 2024.

    Book value per share on September 30, 2024, was $4,787.58 per Class A common share and $31.92 per Class B common share, an increase of $294.62 per Class A common share and $1.96 per Class B common share from June 30, 2024.

    Each Class A common share is entitled to one vote per share. Except as otherwise provided by the Colorado Business Corporation Act, each Class B common share has no voting rights.

    Dividends
    Each Class B common share has dividend and distribution rights equal to one-one hundred and fiftieth (1/150th) of such rights of one Class A common share. Therefore, each one Class A common share is equivalent to 150 Class B common shares for purposes of the payment of dividends.

    During third quarter 2024, the Company paid cash dividends of $30.00 per Class A common share and $0.20 per Class B common share. On October 10, 2024, the Company declared cash dividends of $30.00 per Class A common share and $0.20 per Class B common share payable on October 28, 2024, to shareholders of record on October 21, 2024.

    About Alpine Banks of Colorado
    Alpine Banks of Colorado, through its wholly owned subsidiary Alpine Bank, is a $6.6 billion, independent, employee-owned organization founded in 1973 with headquarters in Glenwood Springs, Colorado. Alpine Bank employs 890 people and serves 170,000 customers with personal, business, wealth management*, mortgage, and electronic banking services across Colorado’s Western Slope, mountains and Front Range. Alpine Bank has a five-star rating – meaning it has earned a superior performance classification – from BauerFinancial, an independent organization that analyzes and rates the performance of financial institutions in the United States. Shares of the Class B non-voting common stock of Alpine Banks of Colorado trade under the symbol “ALPIB” on the OTCQX® Best Market. Learn more at www.alpinebank.com.

    *Alpine Bank Wealth Management services are not FDIC insured, may lose value, and are not guaranteed by the Bank.                                                   

    Contacts: Glen Jammaron Eric A. Gardey
      President and Vice Chairman Chief Financial Officer
      Alpine Banks of Colorado Alpine Banks of Colorado
      2200 Grand Avenue 2200 Grand Avenue
      Glenwood Springs, CO 81601 Glenwood Springs, CO 81601
      (970) 384-3266 (970) 384-3257


    A note about forward-looking statements
    This press release contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as “anticipates,” “intends,” “plans,” “seeks,” “reflects,” “believes,” “can,” “would,” “should,” “will,” “estimates,” “continues,” “expects” and similar references to future periods. Examples of forward-looking statements include, but are not limited to, statements we make regarding our evaluation of macro-environment risks, Federal Reserve rate management, and trends reflecting things such as regulatory capital standards and adequacy. Forward-looking statements are based on our current expectations and assumptions regarding our business, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Our actual results may differ materially from those contemplated by the forward-looking statements. We caution you therefore against relying on any of these forward- looking statements. They are neither statements of historical fact nor guarantees or assurances of future performance. Important factors that could cause actual results to differ materially from those in the forward-looking statement include, but are not limited to:

    • The ability to attract new deposits and loans;
    • Demand for financial services in our market areas;
    • Competitive market-pricing factors;
    • Changes in assumptions underlying the establishment of allowances for loan losses and other estimates;
    • Effects of future economic, business and market conditions, including higher inflation;
    • Adverse effects of public health events, such as the COVID-19 pandemic, including governmental and societal responses;
    • Deterioration in economic conditions that could result in increased loan losses;
    • Actions by competitors and other market participants that could have an adverse impact on expected performance;
    • Risks associated with concentrations in real estate-related loans;
    • Risks inherent in making loans, such as repayment risks and fluctuating collateral values;
    • Market interest rate volatility, including changes to the federal funds rate;
    • Stability of funding sources and continued availability of borrowings;
    • Geopolitical events, including acts of war, international hostilities and terrorist activities;
    • Assumptions and estimates used in applying critical accounting policies and modeling, including under the CECL model, which may prove unreliable, inaccurate, or not predictive of actual results;
    • Actions of government regulators, including potential future changes in the target range for the federal funds rate by the Board of Governors of the Federal Reserve;
    • Sale of investment securities in a loss position before their value recovers, including as a result of asset liability management strategies or in response to liquidity needs;
    • Any increases in FDIC assessments;
    • Risks associated with potential cybersecurity incidents, data breaches or failures of key information technology systems;
    • The ability to maintain adequate liquidity and regulatory capital, and comply with evolving federal and state banking regulations;
    • Changes in legal or regulatory requirements or the results of regulatory examinations that could restrict growth;
    • The ability to recruit and retain key management and staff;
    • The ability to raise capital or incur debt on reasonable terms; and
    • Effectiveness of legislation and regulatory efforts to help the U.S. and global financial markets.

    There are many factors that could cause actual results to differ materially from those contemplated by forward-looking statements. Any forward-looking statement made by us in this press release or in any subsequent written or oral statements attributable to the Company are expressly qualified in their entirety by the cautionary statements above. Factors or events that could cause our actual results to differ may emerge from time to time, and it is not possible for us to predict all of them. We undertake no obligation to update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as may be required by law.

    Key Financial Measures
    The attached tables highlight the Company’s key financial measures for the periods indicated (unaudited).

    Key Financial Measures 09.30.2024

    Consolidated Statements of Comprehensive Income 09.30.2024

    Consolidated Statements of Financial Condition 09.30.2024

    Consolidated Statements of Income 09.30.3024

    The MIL Network –

  • MIL-OSI USA: Congressman Cory Mills Demands the Department of Justice Investigate Kamala Harris’ Questionless Press Conference Attacking Republican Presidential Candidate and Former President Donald J. Trump

    Source: United States House of Representatives – Congressman Cory Mills Florida (7th District)

    Washington, D.C. — Last week, Congressman Cory Mills (FL-07) sent a letter to Attorney General Merrick Garland demanding that the Department of Justice investigate Kamala Harris’ questionless “press conference” hosted at the official residence of the United States Vice President. As a result, this is a direct use of official authority to affect the upcoming election, potentially breaching the Hatch Act.

    “The Hatch Act, which prohibits using official resources to support partisan political campaigns, does not apply to the President and Vice President in civil provisions, however, it does not exempt them from criminal provisions. Presidential candidate and Vice President Kamala Harris’ questionless “press conference” on Wednesday was filled with defamatory accusations aimed at her political opponent. The American people deserve leaders who uphold the integrity of their official office and play by the rules, not those who exploit their official position for electoral advantage,” said Rep. Cory Mills (FL-07). “There must be accountability for her actions, which once again raises the question about her commitment to ethical governance. As we approach this upcoming election, we must demand that Harris not exploit her office for political gain.”

    Read the full letter HERE. 

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    MIL OSI USA News –

  • MIL-OSI USA: Deluzio Celebrates $4.3 Million for Shaler Township Water System

    Source: United States House of Representatives – Congressman Chris Deluzio (PA-17)

    CARNEGIE, PA — Today, Congressman Chris Deluzio (PA-17) announced that Shaler Township, a community in Pennsylvania’s 17th Congressional District, is receiving $4.3 million in a federal investment for water infrastructure improvements. Specifically, the project will replace defective infrastructure in the Township’s public sewer system through PENNVEST low-interest financial assistance loans. 

    “It’s simple: the good people of Shaler Township need a dependable water system. I’m proud to see these federal dollars come home to make sure Shaler’s water is safe,” said Rep. Chris Deluzio. “I came to Congress to make life better for folks in Western PA, and fixing our infrastructure—like this project funded through the Infrastructure Law—is a big part of that work.” 

    The project will repair 30,000 feet of defective sewer lines, rehabilitate 177 manholes through direct excavation and in situ lining, and install 29 new manhole structures. This project will help Shaler Township meet water safety standards, as it pulls the Township into compliance with the infiltration and inflow Consent Order with the Allegheny County Health Department. 

    The federal funding for this project comes from the Biden-Harris Administration’s Infrastructure Investment and Jobs Act and is awarded to Shaler Township through PENNVEST, a Pennsylvania State financing authority. The authority provides low-cost financial assistance to address water, wastewater, stormwater, and non-point source pollution problems in local water systems that impact public health, safety, the environment, regulatory compliance, and economic development. PENNVEST’s two-part goal is to provide all Pennsylvanians access to clean water while also supporting the Commonwealth’s economic development.  

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    MIL OSI USA News –

  • MIL-OSI United Kingdom: First Highland-wide virtual jobs fair to coincide with Scottish Careers Week

    Source: Scotland – Highland Council

    The Highland Council’s Employability team has announced details of the first Highland-wide virtual jobs fair to highlight new job opportunities that will run from the 11 to the 15 November during Scottish Careers Week 2024. 

    The week-long virtual event is being delivered by the Local Employability Partnership for the West – The Highland Council, Skills Development Scotland, Highlands and Islands Enterprise, Department for Work and Pensions , Developing the Young Workforce and UHI North West and Hebrides.

    Anyone interested in finding out more about career opportunities, looking to change careers or to return to work after a break will be able to log onto sessions hosted by a number of businesses from the comfort of their own home. 

    Employers taking part include Torbhaig Distillary, Carr Gomm, Dounreay, CalMac, Sheil Buses, BEAR Scotland, Balfour Beatty and The Highland Council.

    They will host sessions to provide information about the full-time and part-time opportunities their businesses have, along with apprenticeship schemes and initiatives to attract seasonal and year-round workers

    Chair of Highland Council’s Economy and Infrastructure Committee, Cllr Ken Gowans, said: “This Highland-wide virtual jobs fair will provide a fantastic platform to showcase the wide range of opportunities there are for people to develop and learn new skills while in employment. Employers taking part will be on hand to answer questions and explain what opportunities they have for training and up-skilling people.

    “We hope that by being held online people can be flexible and attend without the need for travelling. The sessions are designed for people to drop in and out of throughout the week. It will be accessible to everyone no matter their location or circumstances and will directly connect potential employees with the businesses providing information about work opportunities.

    He added: “The Highland Council’s Employability team will be on hand throughout the week to provide support to attendees.”

    Gilliam Unger, Skills Development Scotland Team Leader said: “SDS are excited to collaborate with partners of the West Highland Local Employability Partnership to put together this event. As it is a virtual event it is accessible for everyone across Highland and is a great opportunity for the people of Highland to find out more about employers and career opportunities locally and further afield.”

    If you would like to attend the event, please email employ.ability@highland.gov.uk to register your interest and receive further information.  

    MIL OSI United Kingdom –

  • MIL-OSI Asia-Pac: Paddy Procurement in full swing in the Food bowl of India

    Source: Government of India (2)

    Paddy Procurement in full swing in the Food bowl of India

    Center committed to achieve procurement targets and not a single grain will be left unprocured

    Posted On: 30 OCT 2024 6:52PM by PIB Delhi

    Punjab/ Haryana Procurement Estimates- KMS 2024-25

    Punjab and Haryana are the food bowls of our country and like every year 185 LMT and 60 LMT of paddy is estimated to be procured from these two states respectivelyduring KMS 2024-25. These two States account for almost 40 percent of Central Pool procurement. The procurement operations are ongoing in full swing in both the States. Though the procurement of paddy commenced on October 1, 2024 in Punjab and on September 27, 2024 in Haryana, due to heavy rainfall in September and the resultant higher moisture content in paddy, the harvesting and procurement were delayed.However, despite a late start, both the states are well on track to achieve the estimates of paddy procurement by stipulated datesi.e November 30th2024 for Punjab and November 15th for Haryana.

    Procurement operations

    Till date 10 lakh farmers in Punjab and 4.06 lakh farmers in Haryana have registered to sell their produce in KMS 2024-25. In Haryana 45 LMT of Paddy has been procured till 29th October, 2024 which is 87 % of 52 LMT procured till 29th October, 2023. In Punjab 67 LMT of Paddy has been procured till 29th October, 2024 which is 80% of the quantity of 84 LMT procured last year on the same date. Compared to the previous year, the procurement of paddy in Haryana and Punjab is similar compared to the pan-India procurement in percentage terms, by 29th Oct 2024.

    Facilitation of Rice Millers

    Like every year, rice millers are on boarded by the State government for the milling operations. Out of 4400 millers who applied for delivery of Custom Milled Rice (CMR), work has been allotted to 3850 millers by the state government of Punjab by Oct 29th, 2024. Further, in Haryana, 1452 millers applied for delivery of CMR and work has been allotted to 1319 millers by the state government. Every day on an average, around 4 LMT of Paddy is being lifted from the Punjab Mand is which indicates that the remaining estimate of 118 LMT of paddy will be smoothly achieved by November 30th, 2024.Similarly,in case of Haryana, the remaining estimate of 15 LMT shall be easily achievedby 15th Nov, 2024 keeping in view the average lifting of paddy of appx 1.5 LMT per day.Procurement of Paddy in Kaithal and Kurukshetra districts, including mandis at Dhand and Pundri, is in full swing and almost at the level of last year’s procurement figures.

    With the specific aim of facilitating Rice millers, an app based FCI Grievance Redressal System (FCI GRS) for Rice Millers has been launched on 28th October 2024 by the Union Minister of Consumer Affairs, Food and Public Distribution. This will facilitate rice millers in getting their grievances addressed by the FCI in an efficient, transparent and time bound manner.

    MSP Regime Strengthened

    Union Government is committed to ensure that the benefit of MSP regime is smoothly realized by all the farmers. The MSP of paddy has increased from Rs 1310/Qtl in 2013-14 to Rs 2300/Qtl in 2023-24. Since 2018-19, MSP has been assured with a return of at least 50% over all-India weighted average cost of production. As on 29th Oct, 2024, an amount of Rs 13211 crore has been released to350961 farmers in Punjab and an amount of Rs 10529crore has been released to 275261 farmers in Haryana for KMS 2024-25. The amount is being credited to the bank accounts of the farmers through DBT within 48 hours of procurement. The entire procurement operations have been digitized to improve efficiency, transparency and accountability which reflects the commitment of the Union Government to further strengthen the MSP regime.

    Record Budgetary Allocation

    The budgetary allocation and release for food subsidy has increased to more than four times in the last ten years than the preceding ten years. Around 21.56 lakh Crores has been spent on food subsidy during 2014-15 to 2023-24 as compared to around 5.15 lakh Crores during 2004-05 to 2013-14. During the COVID period, the fund allocation towards food subsidy was increased substantially due to 5Kg of additional food grains made available to each NFSA beneficiary free of cost, which continued till December 2022.  Since 1.1.2023, the Central Issue Price (CIP) has been made zero keeping in view welfare of the poor and vulnerable sections of the society and ensuring uniformity in the entire country. AAY households and PHH beneficiaries are being provided foodgrains free of cost under PMGKAY from 01.01.2023.

    The Union Government is committed to procure the estimated target of 185 LMT and 60 LMT of Paddy in Punjab and Haryana respectively, and not a single grain shall be left unprocured.

    *******

     

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    MIL OSI Asia Pacific News –