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人生一定要有的八個朋友: 推手(Builder)、 支柱(Champion)、 同好(Collaborator)、 夥伴(Companion)、 中介(Connector)、 開心果(Energizer)、 開路者(Mind Opener)、 導師(Navigator)。 chutze@bostonorange.com ******************* All rights of articles and photos on this website are reserved.
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BTBA 「批准後故事」講座,(前排左起)會長吳佩容、蔡明儒,講者李和昭, 主持人王俐雯,講者韓子強,講座組畢家興等人和部分出席者留影。(周菊子攝) |
BTBA講座籌辦人,右起,會長蔡明儒,吳佩容,主持人王俐雯, 講座組畢家興,謝宗霖。(周菊子攝) |
BTBA主持人王俐雯(中)請武田製藥的李和昭 (右)、韓子強(左)分享 新藥批准後的生產、定價及行銷等故事。(周菊子攝) |
這場講座由韋斯(Wyss)生物啟發工程研究所的博士後學者王俐雯以問答方式主持。
李和昭以奧巴馬時代,相關學者為美國醫療健保制度製作的通路圖, 展現美國醫療體系複雜程度。(周菊子攝) |
BTBA講座在哈佛大學生物實驗大樓舉行。(周菊子攝) |
李和昭還用問答題的方式,讓人看到美國在整個世界醫藥市場上,佔有幾乎壟斷地位的現實。首先是美國處方藥開銷佔了全世界的42%,亞洲國家佔24%,歐盟39個國家佔20%,然而儘管美國是這樣的一個優質市場,根據研究組織RAND的調查,美國藥價是進步發展中國家的大約2倍半,在美國要花100元買的藥,在歐洲大概只賣40元,但是很多醫藥公司不敢到美國來上市行銷,因為美國的醫療制度實在太複雜了。在藥價制定上,一般兼顧市場和營利需求之外,還得顧及保險公司是否接納受保,以及藥物是落在商業、醫療護理 (Medicare)、醫療補助 (Medicaid),以及聯邦 (Federal)等的哪一個部分。最近推出的縮減通膨法 (IRA)更對藥價有極大影響。每家公司在和保險公司談判時都有不同策略,一般對於年收入在聯邦貧窮率300%到500%以下的患者,會免費供藥。
活動結束前,李和昭和韓子強還分享了他們一路走來的職涯經歷。講座主持人畢家興、謝宗霖接著送上紀念品,感謝他們的分享交流。 (僑務電子報: https://ocacnews.net/article/368096)
(Boston Orange 綜合編譯)
麻州Billerica警官,49歲的Ian Taylor,4月26日下午2點前,在一個建築工地指揮聯結車通過時,被一輛倒退的挖土機撞上,因公殉職,不幸死亡。麻州州長奚莉
(Maura Healey) 4月30日宣佈,待5月3日葬禮時,麻州所有州政府樓與國旗降半旗,向Ian Taylor致敬。
米斗塞郡 (Middlesex)地方檢察官Marian T. Ryan 26日晚開記者會,簡報經過,說明Ian
Taylor在送抵Burlington醫療中心的Lahey醫院時,傷重不治。
Ian Taylor服勤21年,曾在羅倫斯市、Wilmington鎮,Billerica鎮工作過。他身後遺有妻子Mindy,2名小孩Nathan
和Kylee,以及家人。
Billerica警察局長Roy
Frost表示,他們很幸運,從2011年起和Ian
Taylor共事了12年。他稱許Ian Taylor為社區貢獻良多。
The Greg Hill基金會正在募款,以在此困難時刻支持IanTaylor的家人。該基金會將以比照捐款額,並支付信用卡手續費方式,最高捐款5000元。該籌款網站目前籌得3萬6488元。
Governor Healey Orders Flags at Half Staff in Honor of Billerica Police Sergeant Ian Taylor
BOSTON –Governor Maura T. Healey today issued a flag lowering order in honor of Billerica Police Sergeant Ian Taylor, who was killed in the line of duty on April 26. The United States of America flag and the Commonwealth of Massachusetts flag will be flown at half-staff at all state buildings on the date of interment, Friday, May 3, 2024.
“I’m heartbroken over the tragic death of Billerica Police Sergeant Ian Taylor. I’ve been in touch with Chief Roy Frost to offer my condolences and our administration’s full support during this terrible time. It’s clear that Sergeant Taylor was a remarkable person who dedicated his life to serving the community, especially when it came to supporting those who were suffering from substance use disorder. My heart goes out to his loved ones – his parents, wife and children – and the entire Billerica Police Department.”
波士頓華人投資俱樂部創辦人易敏(右起),香港科技園 轉化研發所高級總監劉思雅,生物醫藥群組副總監袁永麗 (左一), 高贏國際律師事務所合夥人崔粲(左二)。(周菊子攝) |
比賽有亞軍2名,上海親和力生物 (AFFINITY BIOPHARMA)和新加坡初創公司泰誠思
(AXCYNSIS THERAPEUTICS)。
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易敏(右)、袁永麗,劉思雅(左一)頒發冠軍給GV20執行長 劉小樂。(BCIC提供) |
今年的這場國際生物醫療創賽共有100個團隊參加競逐,經評審團隊幾輪淘汰後,共有14家,從早期到中期,從製藥,醫療器械、診斷,以及在生物領域應用人工智能的各階段、各類型企業團隊打入決賽。
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得獎團隊合影。(BCIC提供) |
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BCIC工作團隊。 (BCIC提供) |
在網上做簡報的上海親和力生物贏得亞軍。 |
新加坡泰誠思 (AXCYNSIS THERAPEUTICS)也贏得亞軍。 |
波士頓華人投資俱樂部創辦人易敏,香港科技園的劉思雅、袁永麗和羅氏中國加速器負責人唐秋嵩等人,在決賽開場前發表講話,鼓勵創業團隊繼續努力,也提醒他們善用各機構所提供資源。
劉思雅指出,香港科技園去年第一次贊助波士頓華人投資俱樂部,鑒於成效極佳,今年正式成為合辦單位,一起評審了100多個報名參賽團隊,再經過多輪篩選,挑出最後的14個團隊晉級決賽。她和袁永麗也專程飛來波士頓做評審,並介紹香港科技園是個已有1700家企業入駐,共有來自27個國家及地區的14000名研發人員,成功培養出6家香港本地獨角獸,6家海外獨角獸,從2018年起已募得927億港元資金的園區,具有強大的扶植企業能力。
中國深圳的亦諾微 (IMMVIRA GROUP)贏得季軍。 |
Massachusetts Community Climate Bank Launches First Consumer Loan Product
The new $20 million Energy Saver Home Loan Program will help homeowners make clean energy
improvements that cut energy usage and greenhouse gas emissions
BOSTON – Governor Maura Healey announced today that the Massachusetts Community Climate Bank has launched a new $20 million program, the Energy Saver Home Loan Program, to help
low- and moderate-income homeowners make clean energy improvements to their homes.
The Massachusetts Community Climate Bank (MCCB) is the
first green bank in the United States to focus on decarbonizing affordable
housing, and the Energy Saver Home Loan Program is the MCCB’s first consumer
product. The new loan program will lower barriers to clean energy adoption and
assist property owners to cut their energy use and reduce or eliminate their
reliance on fossil fuels by providing affordable financing and high-touch
customer service features.
“Last year, we were proud to launch the Massachusetts
Community Climate Bank – the nation's first green bank dedicated to affordable
housing. Today, we are thrilled to take its work to the next level with the
launch of its first consumer loan product that will help people across the
state afford energy efficient homes,” said Governor Maura Healey. “Low- and
moderate-income families disproportionally carry the burden of both climate
change and the high cost of housing. Programs like this will help provide affordable
financing options for homeowners to support our clean energy transition. We
congratulate the teams at the Office of Climate Innovation and Resilience and
MassHousing for their leadership.”
“The Massachusetts Community Climate Bank addresses two
of our most pressing challenges — climate change and the high cost of housing,”
said Lieutenant Governor Kim Driscoll. “This new consumer loan program will
help us move forward on our climate goals and make housing more
affordable.”
“I am thrilled about the Community Climate Bank’s new
Energy Saver Home Loan Program! For the first time, low and
moderate-income homeowners will have concierge support—a real person—to walk
them through, every step of the way, what needs to be done to make their home
more energy efficient, switch to clean energy, and take care of coordinating
all the eligible rebates in addition to flexible low-cost financing,” said
Climate Chief Melissa Hoffer. “The Community Climate Bank took the initiative
to find out what customers want, and designed a program that delivers. This
will be a hassle-free experience for busy homeowners. Getting fossil fuels out
of your home and reaping the savings from clean energy should be easy, and
thanks to the Community Climate Bank, now it will be!”
The housing stock in Massachusetts is among the oldest in
the United States and Massachusetts homes are some of the most reliant in the
country on oil heating. Residential and commercial buildings are responsible
for 30 percent of all greenhouse gas emissions in Massachusetts, and 60 percent
of building emissions are generated by single family and small multi-family
homes. Transitioning these homes to clean energy is a core component of
Massachusetts’s ambitious goal of achieving net zero carbon emissions in the
year 2050.
The Energy Saver Home Loan Program is designed to
accelerate the adoption of clean energy technologies by low- and
moderate-income homeowners.
The new loan program will provide flexible financing for
a wide range of residential clean energy projects that support emissions
reduction and healthier homes. Eligible homeowners may use Energy Saver loans
to finance health and safety improvements such as roof replacement and oil tank
removal, home weatherization, electrical system upgrades, heat pumps, new
efficient appliances and fixtures, and installation of rooftop solar panels,
battery storage and EV charging stations. To receive financing through the
program, home improvements must reduce total energy usage by at least 20
percent.
The Energy Saver Home Loan Program is unique in its
ability to finance a larger amount (up to $100,000) in home improvements,
including improvement costs eligible for clean energy rebates, utility
incentives and tax credits. Financing will feature affordable loan terms with
no upfront cash required. The new loan program will finance the cost of
approved improvements, with rebate and incentive proceeds – including existing
Mass Save and new federal rebates expected to be made available later this year
– being used to pay down a portion of the loan amount. This provides bridge
financing, helping customers with the upfront costs associated with
weatherization, electrification and solar projects while they await rebates and
tax credits.
The MCCB financing will come in the form of a low-cost,
long-term subordinate mortgage. Interest rates will range from 0.5 percent to 2
percent, depending on household income. Mortgages will have a 240-month term,
allowing for lower monthly payments. Loans will include an 18-month
interest-only period, providing consumers with low-cost bridge financing for
clean energy incentive and rebate programs, and will be serviced at
MassHousing’s Mortgage Servicing Center.
“The Energy Saver Home Loan Program takes advantage of
MassHousing’s statewide reach, high-touch customer service model, and expertise
serving needs of lower and moderate-income homeowners,” said MassHousing CEO
Chrystal Kornegay. “This new loan product will empower homeowners across
Massachusetts to help advance our state’s ambitious clean energy goals, while
slashing their home energy usage and making their homes healthier and more
comfortable.”
“The Energy Saver Home Loan Program is a game changer for
our residents looking to get fossil fuels out of their home and reduce their
energy costs,” said Energy and Environmental Affairs Secretary Rebecca Tepper.
“Reducing emissions from buildings are essential to meeting our climate
targets. With the innovative solutions offered by the Climate Bank, Mass Save,
and historic federal funds, Massachusetts residents will see more efficient,
cleaner, healthier homes.”
"Congratulations to the Massachusetts Community
Climate Bank on launching this new loan product for low- and moderate-income
homeowners,” said Housing and Livable Communities Secretary Ed Augustus. “The
flexibility it provides will allow people to improve their homes and reduce
their carbon footprint at the same time."
The Energy Saver Home Loan Program is designed
specifically to meet the needs of low- and moderate-income
homeowners.
The loan program will employ flexible underwriting
requirements and repayment structures that will lower the monthly costs
associated with clean energy improvements. The program builds on MassHousing’s
existing network of partner lenders and the Agency’s decades of experience
supporting Massachusetts homeowners.
The new loan program also offers new consumer supports
not available through other publicly supported home energy programs across
Massachusetts. The program will provide homeowners with wraparound customer
service that will make clean energy improvements more accessible to
consumers.
The MCCB will administer the Energy Saver Home Loan
Program in partnership with service providers across Massachusetts, who will
help consumers to develop a customized home improvement plan, find quality
contractors, and access available rebates and incentives to make the project
more affordable. The high-touch program model will reduce barriers and connect
consumers with resources more quickly and effectively. All In Energy, the Cape
Light Compact and CET will provide consumer-facing concierge services. Abode
Energy Management will serve as the program’s statewide energy services
provider.
The Energy Saver Home Loan Program is available to all
income-qualified Massachusetts homeowners. The program may be used to finance
energy improvements in either owner-occupied single-family homes, or in
owner-occupied multifamily homes with up to 4 residential units. Homeowners
earning less than 135 percent of the area median income are eligible for
financing. Income limits vary by county and range from $190,775 in greater
Boston to $124,875 in Berkshire County.
The MCCB has allocated up to $20 million for the program,
with a goal of committing up to 1,000 loans over the next two years. The
program is designed to be scaled up with federal Inflation Reduction Act
resources.
MassHousing will work with a network of originating
lenders to support the program. Participating lenders include Avidia Bank, Bank
of Canton, Bristol County Savings Bank, Cape Cod Five Cents Savings Bank, Fall
River Five Cents Savings Bank, Fidelity Cooperative Bank, Greylock Federal
Credit Union, Holyoke Credit Union, Mill Cities Community Investments, Monson
Savings Bank and The Cooperative Bank. The program is open immediately and
homeowners may check their eligibility and begin the application process by
visiting www.massclimatebank.com.
The MCCB is an ambitious new climate finance initiative announced by Governor Maura Healey in June 2023. Located
within MassHousing, the MCCB’s initial focus is to support decarbonization
strategies in the residential sector, specifically in the low- and
moderate-income multifamily rental and single-family homeownership
markets.
The MCCB is the first climate bank in the nation to
launch with a specific focus on decarbonizing affordable housing. MassHousing
is drawing on its decades of housing finance and investment expertise and
lending capabilities serving these markets to advance the MCCB mission. The
Climate Bank was established with $50 million in seed funding from the
Massachusetts Department of Environmental Protection’s Climate Mitigation
Trust. The Energy Saver Home Loan Program will utilize a portion that that seed
funding.
From day one, the Healey-Driscoll administration has been
committed to making Massachusetts a global leader in climate resilience and the
clean energy economy. On Governor Healey’s first day in office, she established
the nation’s first cabinet-level Climate Chief to coordinate climate policy
across all executive agencies. Focused on making Massachusetts the world’s
climate innovation lab, she recently proposed a $1 billion, 10-year investment
in climatetech which will create thousands of good-paying jobs. Additionally,
the administration has aligned state capital investment with mandated emissions
reduction targets, established a clean energy innovation pathway for high
school students, and filed an historic housing bond bill that would provide
$150 million to decarbonize state-owned public housing and incentives for
development of energy efficient, fossil-fuel-free homes.
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「灣聲樂團」在古色古香的聖約教堂中演奏。 (灣聲樂團提供) |
灣聲樂團」指揮李哲藝(右起)和波士頓僑務委員郭競儒, 以及徐中欣、徐小玲,陳奕如合影。(周菊子攝) |
25日這晚,李哲藝指揮著音樂家們用11把小提琴家,3把中提琴,1把大提琴,演奏了《草螟弄雞公》、《天公落水》、《綠島小夜曲》、《月亮代表我的心》,以及美國經典歌曲《We
are the word (四海一家) 》、《Tie a
Yellow Ribbon Round the Ole Oak Tree (老橡樹上的黃絲帶)》的改編版等曲目。
「灣聲樂團」指揮請大提琴單獨演奏一段。(周菊子攝) |
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大波士頓國樂團指揮陳志新(右)和古箏演奏家楊信宜(左)會後和李哲藝交流。 |
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波士頓台灣影展協會主席康麗雪等人會後購買樂團出版品。(周菊子攝) |
「灣聲樂團」今年的美加巡演共有五站,從西雅圖起,溫哥華、休士頓,一路來到波士頓後,27日晚將在紐約演出。
灣聲樂團有許多出版品。(周菊子攝) |
來自台灣的僑胞聽到熟悉樂曲都很有感。(周菊子攝) |
曾皇鈞、徐中欣都非常欣賞灣聲樂團的表現。(周菊子攝) |