星期五, 10月 07, 2022

中華專協成立投資小組 首場介紹利率高達9.62%的 I Bond

紐英崙中華專業人員協會推出投資小組,由董事長周萬欽打頭陣,講解「I Bond 101」。
                (Boston Orange 周菊子波士頓報導) 紐英崙中華專業人員協會 (NEACP) 104日在首場投資系列講座中報好康,介紹美國財政部目前利率高達9.62% I Bond 證券,報告該會新成立投資小組,歡迎有興趣討論投資者,每週四聚談。

紐英崙中華專業人員協會董事長周萬欽主講「I Bond 101」。
               這場講座訂名為「 I Bond 101」,主要是介紹以抵擋通貨膨脹為主要功能,今年5月宣佈利率調漲至9.62%,創歷史新高,陡然間備受矚目的I Bond 證券。

               104日時,CNBC刊出報導說,根據美國財政部資料, I Bond 的利率在去年11月調升至7.12%後,銷售額大幅增加,從2020年的36400萬元,暴增至202111月的270億元。由於有些投資者上TreasuryDirect這網站購買時,操做不順暢,財政部還因此更新了網站架構,以改善使用者的體驗。

中華專協資深理事,哈佛大學退休教授李小玉補充說明 I Bond1萬元上限的
電子版證券之外,還可以用退稅款來買
5000元的紙版證券。所以加起來的購買上限
15,000
               6個月調整一次利率的I Bond,今年5月宣佈利率再次調漲至9.62%,凡是在10月底前購買I Bond,都可以享受為期半年的 9.62%,這I Bond1988年面市以來的最高利率。

             紐英崙中華專業人士協會有鑑於這一狀況,特地推出「I Bond 101」講座,由具精算師身分的該會董事長周萬欽當天擔任主講人,說明他和該會理事李小玉,趙育川等人將從這「I Bond 101」開始,推出該會的投資小組座談活動,歡迎對投資有興趣的人,每週四晚上8點半,網上聚會討論。

中華專協理事趙育川將參與主持投資小組。
               周萬欽指出,近來股票市場跌得很慘,一片熊市景象,無論是和股票,債券或是定期存款相比,I Bond 的投資回報率都明顯高得多。

             但是I Bond有其優點與限制性,並不是個適合每個人的投資工具。

               周萬欽解釋道, I Bond 是一種不能在一般次級市場上買賣,只由政府經營的通貨膨脹指數證券,和股票的低買高賣不同,I Bond 要高買低賣,才能享受到高回報。優點包括和傳統的定期存款,貨幣市場基金,存款帳戶相比,投資報酬率比較高。

將在中華專協年會中當講者的林欣岫也在會中提問。
               I Bond 有每年每人購買上限為1萬元的限制,若另加可以用退稅款購買的5000元,上限總額可達15,000元,同時I Bond還有著低風險,可保護儲蓄免於通貨膨脹的作用,也能當作退休後的補充收入,還可以當作禮物,送給子女,或是用來當作教育基金。

中華專協會長林致中說明專協將於1022日舉辦第45屆年會。
              I Bond的利率是綜合利率 (Composite rate) ,其計算公式為 fixed rate + (2 x semiannual inflation rate) + (fixed rate x semiannual inflation rate) ,也就是固定利率+(2次的半年通貨膨脹利率) +(固定利率X半年通貨膨脹率) I Bond的利率也永遠不會低於零。這通貨膨脹的利率,在5月及11月時,每年調整2

               持有 I Bond的時間,可以低至1年,或長達30年,第一年不可出售,第二年至第五年之間出售,將面對扣3個月利息的損失。持有5年以後的任何時間出售,就都不受影響。

               持有 I Bond賺取的利息,只在出售時,才計算需要繳交多少所得稅,而且只需繳交聯邦稅。如果出售I Bond的所得是用於支付高等教育費用,就可免繳所得稅。

               中華專協會長林致中提醒出席者,該會訂1022日舉行第45屆年會,將以「自媒體時代的經驗與知識傳播」為主題,邀請林欣岫,楊佳榮,姜安蓉,陳杰揚等 4名年輕人分享他們各自經營專訪海外台灣人,暢論旅行的播客( Podcast),以及在Youtube上介紹昆蟲島,辦教育頻道的經驗。

               查詢中華專協詳情可上網https://neacp.org/

星期四, 10月 06, 2022

Asian Americans Advancing Justice Demands President Biden and Congress Create Permanent Protections for DACA Recipients

 Asian Americans Advancing Justice Demands President Biden and Congress Create Permanent Protections for DACA Recipients  

 

Court Ruling On DACA Emphasizes Need For Permanent Solution

 

WASHINGTON, D.C. — In yesterday’s Fifth Circuit decision, a federal appeals court affirmed a lower court decision that held that the Deferred Action for Childhood Arrivals (DACA) program is illegal. The appeals court also held that the program can continue for current DACA holders while a lower court decides on the legality of the recent Department of Homeland Security final rule. Current DACA recipients are still protected and can still lawfully work while the court case continues.

 

Asian Americans Advancing Justice, an affiliation of five independent civil rights organizations, releases the following statement:

 

“Enough is enough. We demand an end to political theater: Congress and President Biden must put words into action and create a pathway to citizenship for our undocumented communities.

 

“This decision clearly illustrates the need for a permanent solution. In the last few years, DACA recipients have been subject to continuous uncertainty, with varied policy changes and multiple court decisions constantly threatening the program. During that time, we have heard the same tired statements from our lawmakers about a ‘broken’ system and the need to protect DACA recipients and reform our immigration system. And yet, over a decade after the creation of the program, DACA recipients remain unsure of their future and the future of their families.

 

“The Fifth Circuit’s decision keeps hundreds of thousands of DACA recipients in limbo, including over 14,000 Asian American and 150 Pacific Islander active DACA recipients. If DACA is ultimately ended, it will have catastrophic effects on the over 600,000 individuals with DACA, millions of their loved ones, and the entire country.”

麻州州長宣佈十月為蔓越橘

 Baker-Polito Administration Declares October “Massachusetts Cranberry Month”

State Officials Tour Cranberry Company, Encourage Residents to Buy Local Cranberry Products

 


Today MDAR officials joined with cranberry industry representatives at Federal Furnace Cranberry Company in the Town of Carver in honor of October being declared “Massachusetts Cranberry Month.” From left to right: MDAR Deputy Commissioner Ashley Randle, Cape Cod Cranberry Growers’ Association Vice President John Mason, Cape Cod Cranberry Growers’ Association Executive Director Brian Wick, MDAR Commissioner John Lebeaux, Cape Cod Cranberry Growers’ Association President Steve Ward, and Cape Cod Cranberry Growers’ Association Bog Tour and Event Manager Kim Miot.

 

BOSTON – Governor Charlie Baker today declared October as “Massachusetts Cranberry Month” for the third consecutive year. In celebration of this declaration, Massachusetts Department of Agricultural Resources (MDAR) Commissioner John Lebeaux, state and local officials, and representatives from the Cape Cod Cranberry Growers Association visited Federal Furnace Cranberry Company in the Town of Carver to encourage residents to purchase locally-produced cranberry products. Today’s visit to Federal Furnace included a proclamation declaring October “Massachusetts Cranberry Month”, and a tour of their bog to witness the harvesting taking place.

 

“The Baker-Polito Administration is proud to support cranberry growers, who make significant contributions to the Commonwealth’s agricultural sector and local economies,” said Energy and Environmental Affairs Secretary Beth Card. “Our local growers are true stewards of the land, implementing the latest in proprietary technology and equipment to harvest their fruit, and utilizing innovative methods that conserve water and protect Massachusetts’ natural resources.”

 

Massachusetts is the oldest cranberry-growing region in the country. Today, there are approximately 13,000 acres of commercial bogs in the state, primarily in Plymouth, Bristol, and Barnstable counties. In 2021, the total value of utilized Massachusetts cranberry production was over $60 million. Cranberries are a leading commercial crop grown in the Commonwealth, producing nearly 25% of the nation’s cranberry supply.

 

“As a side dish at Thanksgiving dinner, served dried on oatmeal or salads, or enjoyed in a glass in juice form, cranberries are a mighty multi-purpose fruit with enormous health benefits,” said MDAR Commissioner John Lebeaux. “Autumn in Massachusetts is a special time for many reasons, but chief among them is the breathtaking scenery and imagery that takes shape across “Cranberry Country” in Southeastern Massachusetts when the harvest season is in full swing and bogs are awash in crimson. It’s absolutely fitting that we celebrate this superfruit in October.”

 

Massachusetts’ cranberry industry, through crop production, processing, and manufacturing, is an essential sector of the state’s agriculture economy. Additionally, increasing the efficiency of water use in cranberry production is key to conserving water while minimizing off-target movement of nutrients and pesticides, which will help to preserve water quality and ensuring the sustainability of cranberry production in the Commonwealth.

 

“The hard-working cranberry growers of Massachusetts are honored that the Baker-Polito Administration is once again recognizing October as cranberry month in the Commonwealth,” said Brian Wick, Executive Director of the Cape Cod Cranberry Growers’ Association, serving growers from all of Massachusetts. “Despite the significant drought that impacted many of our cranberry farms this growing season, with some recent rain events, along with resourceful and innovative growers, we are excited for an expected good cranberry crop this year.”  

 

In August 2020, the Baker-Polito Administration announced $7.75 million in funding to support infrastructure upgrades, including the design, construction, retrofitting, and outfitting of enhanced laboratory space at the University of Massachusetts Cranberry Station in Wareham. The funding will be used to modernize and expand its research facilities, improve the facility’s environmental profile, and provide the research tools needed to support vigorous research programs in cranberry water, pest, and nutrient management. Working closely with area growers, the Station is a vital outreach and research center charged with maintaining and enhancing the economic viability of the Massachusetts cranberry industry. The official groundbreaking occurred in October of 2021, with ongoing construction currently underway, with anticipated completion in early 2023.

 

“Cranberries are an essential part of the economy and culture of the Southcoast,” said Senate Ways and Means Chair Michael J. Rodrigues (D-Westport). “This month, we honor growers across Cranberry Country and the iconic regional fruit they harvest; I am proud to represent many of them and champion substantive legislation to advance the cranberry industry as a whole.”

 

“I am extremely pleased to be celebrating October 2022 as Massachusetts Cranberry Month,” said Dean of the Massachusetts Senate Marc R. Pacheco (D-Taunton). “The Commonwealth’s cranberry industry has historically served as one of our most abundant statewide agricultural sectors - especially in the Southeast region I proudly represent.  With Massachusetts responsible for over 1/5 of our country’s domestic cranberry production, I am glad we are taking the opportunity to recognize the valuable opportunities that this agricultural sector continues to provide for our Commonwealth.”

 

“The cranberry harvest is an ideal time to publicly recognize the contributions that cranberries and cranberry growers have made to the commonwealth’s economy and culture for more than 200 years, and with my partners in the legislature and administration, I will continue to advocate for state initiatives that support growers as they adapt to climate change and a challenging global market,” said State Representative Bill Straus (D-Mattapoisett), who has served as co-chair of the UMass-Amherst Cranberry Station Board of Oversight since 2015. 

 

“The cranberry industry has been of vital importance to agriculture in the Commonwealth and especially here on the south coast, the heart of cranberry country,” said State Representative Susan Gifford (R-Wareham). “We are grateful to have an Administration that recognizes the important role cranberries play in our economy and the challenges that face our growers.  I was honored to have served as a member of the Cranberry Revitalization Task force and I am pleased that we are still seeing the benefits of our work.”

 

In recent years, the Baker-Polito Administration has worked in partnership with stakeholders to strengthen and the support the cranberry industry. In October 2019, the Administration announced $991,837 to 21 cranberry growers for bog renovation projects in MDAR’s Massachusetts Cranberry Bog Renovation Enhancement Grant Program to help renovate existing cranberry bogs, providing higher yields and more efficient methods of cranberry production for participating growers. Furthermore, in June 2017, the Massachusetts Cranberry Revitalization Task Force released its final report with recommendations to preserve and strengthen Massachusetts’ cranberry industry. The Task Force, composed of 18 government officials and stakeholders within the cranberry industry, was created by the Legislature in July 2015 to examine the status of the industry and the complex challenges ahead and to develop a multi-pronged action plan geared toward stabilizing and revitalizing the cranberry industry.

 

For more information regarding the cranberry industry or details on how to visit a cranberry bog this fall, including tours that are being offering every weekend in October and the first weekend in November, please visit the Cape Cod Cranberry Growers Association’s (CCCGA) website.

波士頓市議會推出選舉區域重劃計畫

 REDISTRICTING LEADERS INTRODUCE PROPOSED PLAN

Proposal would create City’s fourth 60 percent minority-opportunity district by voting age population

Boston, Mass. – A Boston City Council redistricting plan was introduced today by Committee on Redistricting Chair Liz Breadon and Vice Chair Brian Worrell. The ordinance, filed as Docket #1216, is the third proposed map sent to the Committee for review. All materials will be made available on the Committee website at boston.gov/redistricting.

The Breadon-Worrell Plan makes a total of 18 precinct reassignments between current and proposed districts, with eight such precincts located along the Dorchester Avenue boundaries of Districts 3 and 4, while maintaining two predominantly Dorchester-based districts for the largest neighborhood of the City. 

The plan bolsters District 3 into an effective minority-opportunity district by surpassing a 60 percent threshold of minority Voting Age Population (VAP), a first for the district in the City’s forty year history of district-based Council elections since 1983. Among current proposals, the plan would also have the least amount of minority residents affected by their voting precinct changing between districts.


Minority Population by District


Current District Boundaries

Proposed #1216


2010 Census

2020 Census

2020 Census


Total

VAP

Total

VAP

Total

VAP

District 1

44.1%

39.9%

46.8%

42.8%

46.0%

42.1%

District 2

31.1%

28.1%

32.3%

30.2%

32.4%

30.3%

District 3

62.3%

58.3%

61.8%

58.5%

64.9%

61.5%

District 4

91.8%

90.1%

90.9%

89.4%

89.5%

87.8%

District 5

72.6%

68.8%

75.5%

73.3%

72.9%

70.6%

District 6

36.1%

32.9%

39.4%

37.2%

39.7%

37.6%

District 7

75.4%

70.1%

76.5%

73.0%

75.7%

72.2%

District 8

32.6%

31.3%

40.9%

39.9%

40.3%

39.3%

District 9

33.9%

31.8%

41.1%

39.4%

41.1%

39.4%

Boston

53.0%

48.2%

55.4%

51.9%

55.4%

51.9%


Adapted from BPDA Research Division analysis of Census Bureau data,

according to Department of Justice redistricting guidelines

“We believe our plan proposes a result which the Committee, the Council, and the City could view as a transformative advancement toward equitable representation for protected classes under the Voting Rights Act,” said Committee Chair and District 9 Councilor Liz Breadon. “I look forward to the community process where we will work with colleagues and hear from residents over the coming weeks.”

"The people of Boston deserve City Council districts that represent them, their unique values, and amplify their voices. Our proposal accomplishes an aggressive agenda that moves Boston forward,” said Committee Vice Chair and District 4 Councilor Brian Worrell. “We are ensuring a robust engagement plan that involves gathering feedback from different communities to create fair and equitable maps.”