New Jersey Mortgages – Sun National Bank Center Sat, 18 Sep 2021 10:21:31 +0000 en-US hourly 1 New Jersey Mortgages – Sun National Bank Center 32 32 Monmouth County Clerk Hanlon was sworn in as president of the Statewide Constitutional Officers Association Fri, 17 Sep 2021 13:59:37 +0000

originally published: 09/17/2021

(WEST TOWNSHIP OF WINDSOR, NJ) – Monmouth County Clerk Christine Giordano Hanlon was sworn in as President of the Constitutional Officers Association of New Jersey (COANJ) on September 16 during the COANJ 2021 installation dinner at the Mercer Lake Boathouse in West Windsor Township. She was elected president by her peers in the organization which is made up of elected constitutional officers from the 21 counties of the state of New Jersey. Clerk Hanlon was previously Vice-President and Secretary of COANJ.

COANJ was established in 1920 as a collaborative effort for New Jersey State Constitutional Officers to improve and maintain their respective county government services, develop solutions, and discuss and advocate in favor of legislation. COANJ members include county clerks, deputies, sheriffs, and statewide deed and mortgage registers.

“I am truly honored to have been elected President of COANJ by my colleagues and I am honored to lead an organization that does so much for the residents of New Jersey,” said Clerk Hanlon. “By working together and sharing our common experiences as constitutional officers, we will continue to improve and maintain our excellent service from the county government to the people.”

Monmouth County Clerk Hanlon was sworn in as president of the Statewide Constitutional Officers Association

Hanlon was elected County Clerk of Monmouth in November 2015 and was re-elected for a second term in November 2020. Prior to being elected County Clerk, she was legal counsel to the law firm of Archer & Greiner, PC. Hanlon has practiced law for over 20 years and has focused his legal practice on government affairs and municipal law. She was a municipal attorney for Atlantic Highlands and a commissioner for the Monmouth County Electoral Council. She has also served as an adjudicator for the New Jersey State District Fees Arbitration Committee.

Hanlon received his law degree from Fordham University in 1992, after graduating from Barnard College at Columbia University. After graduating from Law School, she served as Legal Assistant to the Honorable A. Simon Chrein, Chief Justice of the United States for the Eastern District of New York, and later served as Assistant District Attorney in the Bronx County, New York, before moving to New Jersey. .

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Hanlon is currently Chairman of the Monmouth County SPCA, a Trustee of the Monmouth Bar Foundation and the Monmouth Council of the Boy Scouts of America, and a member of the New Jersey State Blockchain Task Force. She is also the past president of the Monmouth Bar Association

She is the recipient of the 2020 “Woman of Distinction Award” from the Girl Scouts of the Jersey Shore, the 2020 “Women in American History” award from the New Jersey State Society of the Daughters of the American Revolution (NJDAR), the 2019 “Silver Gull Award for Government Leadership ”from the Monmouth-Ocean Development Council, the“ 2018 Person of the Year Award ”from the Fraternal Order of Police of Monmouth County, Superior Officer’s Lodge # 30 and the“ Spinnaker Award for Public Service ”2017 of the East Monmouth Chamber of Commerce.

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A unique day in American history Fri, 17 Sep 2021 10:12:32 +0000


On Wednesday September 8, Bayonne rolled out the red carpet to welcome Frank Siller to Bayonne. Mr. Siller, President and CEO of the Tunnel to Towers Foundation, crossed Bayonne on his more than 500 mile walk across America for the twentieth anniversary of the terrorist attacks of September 11, 2001.

Frank Siller entered Bayonne in the northeast corner of the city. Escorted by Bayonne police and firefighters, he walked through Stephen R. Gregg Bayonne County Park to the area around the flagpole. He was greeted by a crowd of Bayonnais come to see history being made.

Joining Bayonne officials on stage, Mr Siller recounted the journey of his brother, Stephen Siller, the New York firefighter who donned his firefighter gear on September 11, 2001 and walked through the Brooklyn Battery Tunnel to serve others at World Trade Center. turns. After Stephen Siller died in service that day, his family decided to found the Tunnel to Towers Foundation to carry on Stephen’s legacy of service. For the twentieth anniversary of Stephen Siller’s Towers Tunnel Journey, Frank Siller has decided to cross several US states on foot, reaching Lower Manhattan on September 11, 2021.

In my remarks, I described Stephen Siller as “the epitome of a first responder” and that the first responder “gets in trouble when all hell breaks loose”. The Tunnel to Towers Foundation continued to serve Stephen Siller by paying off mortgages for first responders who died in combat. I mentioned that the foundation paid off the mortgage for Detective Joe Seals, the Jersey City police officer who was killed on the job in 2019.

In his presentation, Frank Siller said he decided to visit the three places where lives were lost on September 11, 2001: Shanksville, Pennsylvania; Arlington, Virginia; and New York, NY He said he loves “all the communities” he’s been through. Mr. Siller explained that the purpose of his trip “is to make sure people don’t forget” the people who were murdered by terrorists on September 11, 2001.

Mr Siller’s walk through Bayonne drew crowds to Gregg Bayonne Park, Bayonne High School, 16th Street Fire Station and the Bayonne Bridge entrance. Bayonne joined Frank Siller to show America at its best. We know how to take care of each other and remember those we have lost.

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Middlesex County Man Charged with $ 1.3 Million Under Paycheck Protection Program and Economic Disaster Loan Fraud Program | USAO-NJ Wed, 15 Sep 2021 16:24:56 +0000

NEWARK, NJ – A man in Middlesex County, New Jersey was arrested today on charges relating to his role in fraudulently obtaining $ 1.3 million in loans from the Federal Check Protection Program Payroll (PPP) and Disaster Economic Loans (EIDL), Acting U.S. Attorney Rachael A. Honig announced today.

Jordan C. Larkins, 31, of Edison, New Jersey, is charged by complaint with three counts of bank fraud, seven counts of wire fraud and two counts of money laundering. Larkins is scheduled to appear by videoconference for the first time this afternoon before US investigating judge Jessica S. Allen.

According to the documents filed in this case and the statements made in court:

Larkins submitted three fraudulent PPP loan applications to two different lenders on behalf of three alleged companies and a total of seven EIDL applications to the Small Business Association (SBA) on behalf of four alleged companies.

The CARES (Coronavirus Aid, Relief, and Economic Security) law is a federal law enacted on March 29, 2020, designed to provide emergency financial assistance to the millions of Americans suffering from the economic effects caused by the COVID-19 pandemic. One source of relief provided by the CARES Act was the authorization of up to $ 349 billion in forgivable loans to small businesses for job retention and certain other expenses, through the PPP. In April 2020, Congress authorized more than $ 300 billion in additional P3 funding.

The PPP allows small businesses and other eligible organizations to receive loans with a two-year term and an interest rate of 1%. The proceeds of the PPP loan are to be used by businesses on salary costs, mortgage interest, rent, and utilities. PPP allows for the forgiveness of interest and principal on the PPP loan if the company spends the loan proceeds on those expenses within a specified time after receiving the proceeds and uses at least a certain percentage of the PPP loan proceeds on the expenses. salaries. .

The claims submitted by Larkins allegedly contained fraudulent statements to participating lenders and the SBA, including false federal tax return documents. According to Social Security Administration records, no salaries or W-2 forms were processed for any of the entities between 2018 and 2020. Larkins also fabricated bank statements, with the identities of certain individuals listed on the applications and driving license of the alleged candidates.

The lenders and the SBA have approved Larkins’ PPP loan applications, EIDL SBA loan applications, and EIDL advance payments, and provided the alleged Larkins businesses with approximately $ 1.3 million in federal relief funds. emergency COVID-19 for small businesses in difficulty.

The three counts of bank fraud each carry a maximum sentence of 30 years in prison and a fine of $ 1 million; the seven counts of wire fraud each carry a maximum sentence of 20 years, and the two counts of money laundering each carry a maximum penalty of 10 years in prison. The counts of wire fraud and money laundering are punishable by a fine of up to $ 250,000 or double the gross gain for the defendant or the gross loss for the victim, whichever is greater. .

Acting US Attorney Rachael Honig credited Postal Inspectors of the US Postal Inspection Service, Newark Division, under the direction of Acting Inspector-in-Charge Raimundo Marrero; IRS Special Agents – Criminal Investigation, under the direction of Special Agent in Charge Michael Montanez; and special agents from the Inspector General’s Office of Social Security Administration, New York Field Division, under the direction of Special Agent in Charge John Grasso, with the investigation leading to the charges.

The government is represented by Assistant United States Attorney Fatime Meka Cano of the Government Fraud Unit of the Office of the United States Attorney in Newark.

Anyone with information about allegations of attempted fraud involving COVID-19 can report it by calling the Department of Justice’s National Center for Disaster Fraud Hotline at 866-720-5721 or via the NCDF Web Complaint Form at: https: //www.justice. gov / disaster-fraud / ncdf-disaster-complaint-form.

The charges and allegations contained in the complaint are only charges, and the accused is presumed innocent until proven guilty.

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Retiree’s Guide to Mortgage Refinancing Wed, 15 Sep 2021 11:26:00 +0000

Put your papers in order

As with any mortgage, you’ll need to qualify, so your next step will be to get your documents in order. The biggest obstacle to any refinancing is qualification. Your debt-to-income ratio should always be within the threshold required by Fannie Mae and Freddie Mac, and that’s more difficult to do when you’re on a fixed income. So even with a perfect credit score, some retirees don’t qualify because they just don’t have enough income.

Account for all of your sources of income, including your Social Security funds, IRA or 401 (k) withdrawals, your pension, and dividends from stocks or investments. If you have other sources of income, such as alimony, income property, or a side business, include them. A constant source of funds is essential. You must be able to demonstrate long-term financial resilience. You will also need a new appraisal on your home, which can increase its value and help you qualify.

Set your goals

Are you looking to refinance for a lower overall payment, or the ability to pay off your mortgage faster? Or is it a way to increase your cash flow (either through lower payment or through cash-out refinancing)?

Once you understand your goals, it’s easier to move on to the next steps.

Goal 1: Get a better monthly payment or pay off the mortgage

  • Lower overall payment: Refinancing for a lower overall payment can put a significant amount of money in your pocket, says Josh Chamberlain, a financial planner based in Decatur, Georgia. For example, if you go from 3.75% to 2.75% for a fixed mortgage of $ 100,000 over 30 years, the monthly payment is $ 55 less, a saving of 12%. It might not seem like much, but on a fixed income it could make a bigger difference than you think.
  • Pay it faster: You can lower your interest rate while keeping your monthly payment or paying more to pay it off faster. If you got a 30-year mortgage in the 90s or early 2000s, the interest rates were as high as 9%, a far cry from the current rate of 2.74%. Lowering the interest rate and paying the same amount means you’ll pay off the house much sooner. Taking the example of Chamberlain above, he says, “A loan of $ 100,000 over 30 years, down to a 20-year loan, at 2.5%, for $ 67 more each month, you save 10 years. on your loan. And you pay $ 39,000 less in interest.


  • Lower interest rates, lower payments, and shorter payment terms are all possible with refinancing in retirement.
  • An added bonus to refinancing with a lower interest rate, says Larry Pershing, a member of the National Association of Personal Financial Advisors and CEO of Optimum Retirement Planning, is that it protects you against rising costs. inflation. “When someone takes out a fixed interest rate mortgage, they lock in their monthly payment,” says Pershing. For example, let’s say someone has a payment of $ 1,000. If inflation rises by 5% for a few years, that $ 1,000 “will become easier to pay, relative to everything else.”

The inconvenients:

  • You will still have to pay a fee and if you choose the lowest overall payment you will pay more interest over time.
  • You might not qualify if your income is too low.

Objective 2: Get money

Financial savvy homeowners can look for other ways to create more wealth or increase their income through their mortgage. Others may be looking to increase their monthly income, or wish to renovate their home, or even splurge on vacation. There are several options:

  • Refinancing of collection
  • Reverse Mortgage or HECM (Home Equity Conversion Mortgage):
  • Home Equity Line of Credit or HELOC:
  • Home equity loan

Refinancing of collection

Refinancing with cash is one of the riskiest things a retiree can do, but it can also be very profitable. You can use cash refinancing to pay off your loan, pay off credit card loans, or invest (in other property or in the stock market). You can also use refinancing to help with expenses and vacations.

With a refinance with withdrawal, “you increase the risk associated with the money that you have already used to pay off the loan,” explains Chamberlain. “If you need money for your monthly expenses, it may mean that you need to spend more time thinking about your monthly budget, rather than trying to take money out of the mortgage.”

But some retirees will refinance in cash and invest that money in the stock market.

It’s not as crazy as it sounds. Flannery has a client who owns their home for free but is refinancing and investing in cash. This is a calculated risk: its interest rate is less than 3% – and the annual returns on the stock market are on average 8 or 9%. His client is betting on a return on investment of 5%. And don’t forget: there is a tax deduction for interest paid on the mortgage.

Some retirees refinance their mortgage with a cash refinance so they can pay off other debt, especially credit card debt. Credit card interest rates are onerous – 13% or 14% minimum, usually – and if you can take a cash refinance at under 3%, that’s a huge savings.


  • Can use it to pay off other debts or invest in the stock market.
  • Can be a new source of cash.

The inconvenients:

  • This is one of the riskiest ways to stretch your money, especially if it is invested in the stock market.
  • One scenario should give you pause for thought, says Larry Pershing, Founder and CEO of Optimum Retirement Planning: “Many people use their home as a backup asset to pay for long-term care expenses if they arise. “Refinancing your home and withdrawing cash decreases the reserve you have to pay for unforeseen expenses such as long-term care.
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She almost died on September 11. How an NJ survivor found purpose after years of suffering. Fri, 10 Sep 2021 18:03:00 +0000

Twenty years later, Donna Spera remains an open wound.

Spera has lived more than 7,300 days since September 11, 2001. But the weather did not allow her to escape this late summer morning.

The sudden impact of the plane. His dying colleagues. A miracle escape in 78 flights of stairs.

Spera, 56, wears it all.

“When I was running out of the building, they were rushing into the building,” Spera said of the firefighters responding to hell in the south tower of the World Trade Center. “And this vision is in my head. It will never go away. “

For many years, Spera of Middletown was engulfed in her emotions. She was angry at the terrorist attacks that killed her colleagues and felt immensely guilty for surviving. Then she found a new purpose, or as she sees it, her calling.

In 2018, Spera helped launch a charity golf event to raise funds for the families of deceased first responders. It started small. A few groups of people and around $ 8,000, she said. But that feeling of giving back filled a giant void and sparked a new mission. The event grows every year and has raised over $ 30,000 to date.

On Friday, Golfing for Heroes will host its fourth annual outing at the Gambler Ridge Golf Club in Cream Ridge. Proceeds from the sale will be donated to the Tunnel to Towers Foundation, which helps pay off mortgages for deceased law enforcement officers and firefighters who lost their lives in the line of duty or due to related illnesses. to September 11.

Each year, Spera gives a speech beforehand. It’s a brief introduction, but it gets so emotional that she can barely pull it off.

“It makes me feel alive,” Spera told NJ Advance Media. “It helps me heal, knowing that I am helping someone’s family. And it could have been their husband or wife saving me on September 11. “

Donna Spera was only 36 years old, she was an administrative assistant for AON Financial Services, an insurance brokerage company with offices at the World Trade Center when she showed up for work on Tuesday morning. She went to work on the 100th floor every day.

In the chaos of September 11 – after a plane had already crashed into the North Tower – Spera stood in the Sky Hall on the 78th floor, waiting for a ride to exit the South Tower.

She doesn’t like to talk about what happened next.

Deputy US Marshal Dominic Guadagnoli assists Donna Spera after being injured in the terrorist attack on the World Trade Center in New York on Tuesday, September 11, 2001 (AP Photo / Gulnara Samoilova)PA

United Airlines Flight 175 crashed into the 77th to 85th floors of the tower. Bruised, beaten and burnt by kerosene, Spera rose from the tangle of bodies and escaped through a surviving staircase.

Outside, the adrenaline wore off. Spera collapses in the arms of US Vice-Marshal Dominic Guadagnoli. A photographer took a photo. The image of his anguished face, of dried blood splashing on his forehead, was shared around the world.

Spera was in the hospital when a nurse showed him the photo. She cried.

Spera survived, but in some ways she said no.

“I always say I was a different person after 9/11,” she said.

Elevators and escalators have gotten too scary. Get in a plane ? Back in Lower Manhattan? No chance.

Like an anchor, guilt weighed on her. She couldn’t help but think of those who died in the attack.

“The guilt of the survivor. I don’t think it will ever go away, ”Spera said. “I always, always, always, always say, ‘I don’t know how I survived and my friends were two feet away from me, and they didn’t.'”

But with the guilt came the gratitude for the first responders who risked and, in many cases, lost their lives that day.

The Tunnel to Towers Foundation, which will receive funds raised during this year’s golf outing, honors the memory of Brooklyn firefighter Stephen Siller.

Siller was about to play golf on September 11 when he heard of the attack. With traffic blocked, he walked through the Brooklyn Battery Tunnel to the World Trade Center, where he died trying to save the others.

After so many years, Spera discovered that escaping 9/11 was not what satisfied her. It is to ensure that the sacrifices made that day are appreciated.

“People who weren’t there, it’s just everyday life for them,” Spera said. “All the first responders who were there that day are living with them for the rest of their lives, just like it was with me for the rest of my life.

“I will never forget that day. And I will make sure that no one forgets that day.

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Unlicensed Mortgage Broker Pleads Guilty To Siphoning $ 4.74 Million In Refi Proceeds Tue, 07 Sep 2021 21:20:38 +0000

An unlicensed mortgage broker faces up to 30 years in prison after pleading guilty to a fraud scheme in which $ 4.74 million in mortgage refinancing proceeds was transferred to accounts controlled by the perpetrators.

The scheme left the victims with two mortgages on their homes, and several were eventually foreclosed. Home Point Financial Corp., LoanDepot, United Wholesale Mortgage and other wholesale mortgage lenders ultimately lost $ 2.47 million under the program, according to criminal information filed by prosecutors.

Brent Kaufman, 50, of Commack, New York, pleaded guilty on Aug. 31 at the Federal Courthouse in Brooklyn, to a scheme that authorities said was active from about 2016 to 2019. Kaufman worked as a brokerage firm in Brooklyn. unlicensed mortgages, “and has often helped clients in Queens and Long Island with refinancing their mortgages,” prosecutors said.

Kaufman and others not named in the lawsuit allegedly implemented the scheme by providing incorrect wire routing information to refinance lenders. Instead of sending funds to the financial institutions holding the mortgages to be refinanced, the refinancing lenders sent the money to accounts controlled by Kaufman.

So the original mortgages were not paid off immediately, although Kaufman used some of the proceeds to continue making monthly payments or possibly pay them off “to avoid detection of his scheme,” prosecutors said.

“Not only did Kaufman steal money from his victims, he also violated their trust, leaving them financially vulnerable and at risk of significant financial complications,” FBI Deputy Director Michael J. Driscoll said in a statement. communicated.

In addition to the FBI field office in New York, investigators included the Federal Housing Finance Agency, the Office of the Inspector General (FHFA-OIG), and the United States Postal Inspection Service, New York Division. York (USPIS).

The case is being pursued by the United States Attorney’s Office for the Eastern District of New York, which covers Brooklyn, Queens and Staten Island, as well as Nassau and Suffolk counties. In addition to a potential jail term, Kaufman faces a fine of up to $ 1 million when convicted and forfeiture of any ill-gotten gains, prosecutors said.

During the second quarter of 2021, the CoreLogic National Mortgage Application Fraud Risk Index increased 37.2% from a year ago, to reach 132. At the height of the pandemic refinancing boom, the index was fell to 96 “due to inflow of low risk funds. Term rate / refinancing. The rise to 132 for the second quarter of 2021 is in the historically high end of the index, but not very worrying, ”due to the shift in volume towards riskier purchase loans, CoreLogic reported.

The New York-Newark-Jersey City metropolitan area had the sixth highest risk of mortgage fraud in the second quarter of 2021. Of the top 15 markets with the highest risk of fraud, six were in Florida.

Top 15 Markets at Highest Risk for Mortgage Fraud

  1. Las Vegas-Henderson-Paradise, Nevada (251)
  2. Miami-Fort Lauderdale-Pompano Beach, Florida (235)
  3. Poughkeepsie-Newburgh-Middletown, New York (206)
  4. Tampa-St. Petersburg-Clearwater, Florida (191)
  5. San Jose-Sunnyvale-Santa Clara, California (189)
  6. New York-Newark-Jersey City, NY-NJ-Penn. (186)
  7. Orlando-Kissimmee-Sanford, Florida (180)
  8. Cape Coral-Fort Myers, Florida (180)
  9. North Port-Sarasota-Bradenton, Florida (178)
  10. LA-Long Beach-Anaheim, CA (176)
  11. San Francisco-Oakland-Berkeley, California (171)
  12. McAllen-Edinburg-Mission, Texas (169)
  13. Columbia, South Carolina (166)
  14. Bridgeport-Stamford-Norwalk, Connecticut (160)
  15. Lakeland-Winter Haven, Florida (158)

Source: CoreLogic

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Analysis: hide mandates? Vaccine mandates? For unions, the only mandate is collective bargaining Wed, 01 Sep 2021 13:04:38 +0000

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TLeaders of the two national teachers’ unions have signaled a change of mind when it comes to requiring COVID-19 vaccination for school workers. While their new immunization advocacy had a number of qualifications, it prompted many previously reluctant state and local unions to follow suit. Governors and school principals interpreted these statements of support as “everything is clear” for instituting immunization mandates.

But unions, like most large bureaucratic organizations, are like oil companies. They are not all right, and it is clear that many affiliates were unprepared for the leadership change or were unwilling to participate.

According to a Center on Reinventing Public Education survey, as of Aug. 13, only 13 of the country’s 100 largest school districts required teachers to be immunized, but the number is steadily rising.

“Unions are in a difficult position,” wrote Time reporter Charlotte Alter. “The reluctance of national unions to adopt immunization mandates has damaged their reputation nationally and angered parents fearing for the safety of their children, but they are reluctant to do anything that could undermine the bargaining power of local unions. “

It is all in a nutshell, and it was evident from the early days of the pandemic. As of May 2020, the California Teachers Association was already issuing notices to bargain to its local affiliates, recommending that they “make sure they have proposals to get something in exchange for concessions.”

As parents and students struggled enormously with e-learning, the union told its locals, “Now is the time to get the language improvements that we have wanted for some time. “

As I understand the current positions of national teachers’ unions, they support universal mask mandates and strongly urge the vaccination of eligible staff and students, with mandatory testing for the unvaccinated. Who should be exempted from these requirements is a matter for local collective bargaining.

These are perfectly defensible positions. The problem is the “collective” part. It doesn’t take much digging to find that there is substantial and organized resistance among union members for each of these measures.

I have previously reported on opposition to the immunization mandates of the presidents of the Hawaii State Teachers Association and the Spokane Education Association in Washington. There is more.


Analysis: The curious incident of the change in mandate of teachers’ unions for vaccines

Teamsters Local 174, which represents school bus drivers in the Seattle school district, says a vaccination mandate will exacerbate the driver shortage.

“When you actually talk to the people it affects, it’s not political. It’s based on fear. They really feel very strong about it. So the way around that is not to threaten someone’s job, that’s not going to help, ”said Jamie Fleming, spokesperson for Teamsters Local 174.

The Michigan Education Association has announced its support for tests and masks, but opposes vaccination warrants. “Our members are over 90 percent vaccinated right now, according to our records, so we don’t think a mandate is needed right now because so many of our educators were so proactive,” the vice-president said. president Chandra Madaferri.

On the first day of her tenure, New York Governor Kathy Hochul announced plans to “seek options to impose vaccines on school workers or require weekly testing in the absence of vaccines.”

“We support the universal wearing of masks as part of a layered mitigation strategy that also includes robust COVID testing, contact tracing, proper ventilation and other strategies recommended by public health experts,” replied New York State United Teachers President Andy Pallotta. “We also support the governor’s decision to require regular COVID testing for school staff who are not yet vaccinated. It is essential that educators continue to have a say in the implementation of vaccine requirements and other COVID policies at the local level. “

The statement significantly failed to support a vaccine requirement.

New York City public schools will require all education workers to be vaccinated, but the statement by United Teachers’ Federation president Michael Mulgrew also falls far short of full support.

As the city asserts its legal authority to establish this mandate, there are many details of implementation, including provisions for medical exceptions, which by law must be negotiated with UFT and others. unions and, if necessary, resolved by arbitration, ”he said. .

Even though Mulgrew gets on board, he faces resistance from some of his own members, who have staged a rally against any vaccination mandate. Similar qualms exist in Chicago.

There may be reluctance to vaccinate, but is union members’ support for masking certainly universal? Not so.

In Billings, MT, the school principal issued a memo instituting a mask warrant for all students, staff and visitors, stating that non-compliance would be “unacceptable insubordination and employee will be sanctioned ”.

The Billings Education Association called the memo “inappropriate and insulting,” saying it had a memorandum of understanding with the district that encouraged masks but did not mandate them.

In Trenton, New Jersey, the “Freedom Loving Teachers of NJ” Facebook group held a rally to protest the mask and vaccine warrants.

So what happens when these issues reach collective bargaining? In many places things will be fine. Unions and districts will enter into agreements that reflect the needs and wants of all parties involved. In other places it will be a long and costly battle.

Whenever you issue a general requirement for anything, you need to consider the exceptions. COVID vaccines are no different.

“We call on districts and employers to work directly with educators and their unions to resolve the complexities of vaccinations and accommodations that will need to be made for educators,” said NEA President Becky Pringle.

There is no reason to believe that making these accommodations will be easy or that they will be applied consistently. The Washington Education Association said questions about the exemptions were “pouring in.”

In Connecticut, the governor has issued a vaccination warrant and requires all school employees to submit proof of vaccination. It allowed school administrators to assess exemptions on a case-by-case basis.

“These are the kind of words that, frankly, pay off your lawyers’ mortgages,” said Mark Sommaruga, an attorney who works with school districts on immunization policy.

The problem is that collective bargaining by unions of school employees is ill-suited to determining the most effective public health policies. There is no question that some people cannot or should not receive the COVID vaccine. Should these people, as well as all other employees who are exempted through negotiations, be allowed to come into close contact indoors with unvaccinated children and other employees?

Regardless of your answer to this question, there will be plenty of places where unvaccinated employees will return to work in person, even with a warrant for vaccination. It will therefore depend on the level of risk tolerance of each individual, for himself and for his children. No Memorandum of Understanding will prevail.


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Workers say these are their 5 biggest regrets in life Wed, 25 Aug 2021 12:50:42 +0000
Man filled with regret
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If you have been living on this planet for a while, you have regrets. Certainly at the age of 30, the “what ifs” and “shoulds” begin to pile up in your mind. And the list grows from year to year.

Although regrets differ from person to person, there are some grievances that many of us share. American Century Investments surveyed 1,500 full-time workers and asked them to share their biggest regrets in life as part of the company’s 9th annual survey of pension plan members.

The workers were between 25 and 65 years old and reported saving through their employer’s pension plan. Here is a list of their regrets and the percentage of workers who placed each regret at # 1 on their list.

Not being a better person overall

pathdoc /

Respondents who cited this as their biggest regret: 6%

We all wish we could take back what we said or did. Such regrets extend from our days on the playground to last week’s office meeting.

A small percentage of respondents said that not being a better person was their biggest regret in life. The good news? It is never too late to reverse this regret.

Not doing enough to enjoy life

Unhappy man on laptop /

Respondents who cited this as their biggest regret: 14%

Some of us spend endless days chained to our desks, never taking the time to smell the roses right outside the office door. Others simply see the glass three quarters empty by default.

It’s time to stop doing the things that rob you of joy. For more tips on getting the most out of life, check out “9 Habits Happy People Use to Improve Their Lives.”

Don’t do better with personal relationships

Couple having an argument
Africa Studio /

Respondents who cited this as their biggest regret: 14%

Maintaining strong relationships can be a challenge, but the rewards are well worth it.

As we have reported, retirees say their main source of fulfillment is spending time with loved ones. In other words, those who have lived a long time – and have seen all of life’s ups and downs – have learned that nothing beats being surrounded by those you love.

For more wisdom from retirees, check out “8 of the Greatest Fulfillment for Retirees.”

Not doing better in your career

confused senior looking at computer
metamorworks /

Respondents who cited this as their biggest regret: 14%

In the modern world – especially in America – what you do for a living often defines you. So, it’s no surprise that a healthy segment of survey respondents say their main regret is not doing better when it comes to career goals.

But like becoming a better person, it’s never too late to advance your career.

Don’t save more for retirement

Senior couple with empty wallet discussing financial issues
Half point /

Respondents who cited this as their biggest regret: 35%

By far the biggest regret in life for working Americans is not saving more for retirement. In fact, the percentage who cited this as their # 1 regret was more than double that of any other item on this list.

While it’s never too late to save for your golden years, the job gets easier the earlier you start. So if you’re young – and even if you’re not – consider signing up for the Money Talks News course. Money made easy.

The course will teach you everything from how to set and achieve goals, to ways to live more while spending less.

No regrets

Man listening to music on headphones at work
Drazen Zigic /

Respondents who cited no regrets: 14%

Finally, a decent percentage of survey respondents said they had no major regrets in life. It seems like these people just take life as it comes and if they make mistakes, quickly walk away. We tip our hats to these sunny optimists!

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