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	<title>trouble &#8211; USA NEWS LIVE</title>
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	<title>trouble &#8211; USA NEWS LIVE</title>
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		<title>3 Strategies to Help College Students Select the Right Major the First Time and Avoid Big Trouble</title>
		<link>https://bloggingthree.soflytech.com/2024/08/3-strategies-to-help-college-students-select-the-right-major-the-first-time-and-avoid-big-trouble/</link>
		
		<dc:creator><![CDATA[chandankumarsoft]]></dc:creator>
		<pubDate>Tue, 13 Aug 2024 06:34:54 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[avoid]]></category>
		<category><![CDATA[big]]></category>
		<category><![CDATA[choose]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[major]]></category>
		<category><![CDATA[strategies]]></category>
		<category><![CDATA[students]]></category>
		<category><![CDATA[time]]></category>
		<category><![CDATA[trouble]]></category>
		<guid isPermaLink="false">https://bloggingthree.soflytech.com/?p=11769</guid>

					<description><![CDATA[Shortly after recent college students select the fitting school for them, they&#8217;re asked to decide on a serious. For some students, this decision is simple because their major can have actually influenced their college alternative. Unfortunately, this decision isn&#8217;t all the time easy and college students often change their minds. According to the National Center [&#8230;]]]></description>
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<p>Shortly after recent college students select the fitting school for them, they&#8217;re asked to decide on a serious. For some students, this decision is simple because their major can have actually influenced their college alternative. Unfortunately, this decision isn&#8217;t all the time easy and college students often change their minds.</p>
<p>According to the National Center for Education Statistics, for instance, <a href="https://nces.ed.gov/pubs2018/2018434/index.asp">30% of scholars modified their major</a> at the very least once.</p>
<p>Although it could be common for college students to alter their major, doing so may end in them <a href="https://doi.org/10.3102/0002831213488622">Losing time, money and opportunities</a>Students who experience the loss of those resources could also be vulnerable to dropping out of their studies altogether.</p>
<p>While <a href="https://scholar.google.com/citations?hl=en&#038;view_op=list_works&#038;gmla=AC6lMd-OPoIu7MxBZjGdxBgXg3EzrVhpLe4NuNHKLvogo22fBhsFXTp4gv8S9sl5uwdULMEcAwyKSBW4OfOVZw&#038;user=sdLloGUAAAAJ">Obtaining a Ph.D. in Educational Psychology</a>I conducted a study examining the experiences of scholars changing their major. I desired to know why students made the change and what the experience was like. </p>
<p>The results of my study showed that students <a href="https://doi.org/10.1177/15210251241264746">were disoriented about their majors</a> during their undergraduate studies. They were often influenced by professors and advisors who <a href="https://www.dl.begellhouse.com/journals/00551c876cc2f027,2a46de397d4dd9d2,5444158e40e9cd45.html">dismissive of their aspirations and skills</a>. This <a href="https://doi.org/10.1109/FIE43999.2019.9028429">Students experienced failure</a>which sometimes ruined their motivation. Failure could also be commonplace in certain courses, but these students considered themselves outliers and viewed failure as <a href="https://doi.org/10.1007/978-3-030-25304-2_7">Blow to her self-esteem</a>.</p>
<p>So what&#39;s a student to do when faced with such a vital decision? It&#39;s tempting to provide in to fear, indecision, or worry. But rest assured, using the next strategies for selecting the fitting major may also help keep you motivated when the going gets tough.</p>
<h2>1. Make a profession plan</h2>
<p>Creating a profession plan is considered one of the ways students can improve their possibilities of success of their chosen majors. When making a profession plan, think in regards to the profession you wish to pursue in the long run and consider the tutorial and skilled paths that could lead on to that profession. Researchers have found that students who made profession plans <a href="https://doi.org/10.1177/0038040720928484">fairly persist</a> of their major academic subjects.</p>
<p>When making a profession plan, you must take into consideration your views on work, your interest in various academic subjects, and your skills. Examining these aspects could also be considered one of the the explanation why students who create profession plans <a href="https://doi.org/10.1177/0038040720928484">are inclined to follow their major</a>. Let your reflections guide you as you seek for careers you enjoy. Then, pick a selected profession and description the steps it&#8217;s worthwhile to take during your studies to arrange for that profession.</p>
<h2>2. Do your research</h2>
<p>College students sometimes drop out of their chosen major because they <a href="https://doi.org/10.1037/edu0000456">disillusioned with the tutorial field they&#8217;ve chosen</a>. Or they find themselves <a href="https://psycnet.apa.org/doiLanding?doi=10.1037%2Fedu0000456">feel drawn to one other subject</a> overall. For others, the will to alter majors may arise after getting a taste of what it&#8217;s wish to work in the sector, especially during internship opportunities. One study found that this <a href="https://doi.org/10.1186/s12912-022-00851-z">applies to some nursing professionals</a>who said that in their first clinical internships they realized that they weren&#8217;t particularly suited to the tasks of a nurse.</p>
<p>To avoid such outcomes, it&#39;s essential to do your research on the profession you&#39;re pursuing, in addition to any related careers. Is there one which&#39;s a greater fit to your skills and preferences? Is there someone you possibly can confer with who can let you know more about what a mean day is like in a selected job? Ask yourself what elements of the job you would possibly enjoy, and what parts of the job you would possibly not enjoy. While it&#39;s possible to alter your major once your interests change into more clear, you&#39;ll save a whole lot of time and energy by selecting a serious that matches your interests and skills to start with.</p>
<h2>3. Get ready for the challenge</h2>
<p>You could also be surprised to seek out yourself faced with incredibly demanding material in your first semester of faculty. Students who were at the highest of their class are particularly shocked after they receive a nasty grade on an exam for the primary time. But you shouldn&#39;t assume that you just&#39;ve chosen the mistaken major simply because you probably did poorly on a test. <a href="https://doi.org/10.1177/15210251221084122">Negative feedback from study advisors</a> And <a href="https://www.proquest.com/openview/996aa670529fb8a99f17def87f39ad31/1?pq-origsite=gscholar&#038;cbl=46710">Course leader</a> can influence a student&#39;s decision to alter his or her major.</p>
<p>The possibility of failure may be so discouraging for college students that they will lose their ambition. <a href="https://www.proquest.com/openview/996aa670529fb8a99f17def87f39ad31/1?pq-origsite=gscholar&#038;cbl=46710">the primary day of faculty</a>before they&#8217;ve even experienced academic failure. Maintain the arrogance that led you to pick your major in the primary place, and prepare yourself for the tutorial challenges that await you in your chosen major.</p>
</p></div>
<p><em>image credit : theconversation.com</em></p>
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		<title>Buying art on a cruise ship can get you in trouble – or not</title>
		<link>https://bloggingthree.soflytech.com/2024/07/buying-art-on-a-cruise-ship-can-get-you-in-trouble-or-not/</link>
		
		<dc:creator><![CDATA[chandankumarsoft]]></dc:creator>
		<pubDate>Fri, 12 Jul 2024 19:04:51 +0000</pubDate>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[art]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[cruise]]></category>
		<category><![CDATA[ship]]></category>
		<category><![CDATA[trouble]]></category>
		<guid isPermaLink="false">https://bloggingthree.soflytech.com/?p=8809</guid>

					<description><![CDATA[I do know you&#39;re going to make fun of me, so let&#39;s just get this over with. I purchased art on a cruise ship. OK, laugh. Gallery owners and art appraisers will mock you for it, but it surely might be worse. My husband and I were faced with an unusual situation in our home: [&#8230;]]]></description>
										<content:encoded><![CDATA[<p><img decoding="async" src="https://www.mercurynews.com/wp-content/uploads/2024/07/GettyImages-1386904905.jpg?w=1400px&amp;strip=all" /></p>
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<p>I do know you&#39;re going to make fun of me, so let&#39;s just get this over with. I purchased art on a cruise ship. OK, laugh. Gallery owners and art appraisers will mock you for it, but it surely might be worse.</p>
<p>My husband and I were faced with an unusual situation in our home: a blank wall. Normally this wouldn&#39;t be an issue, but now we have different tastes and different philosophies. I wish to buy art from local artists. He likes art from &#8220;well-known&#8221; artists. And we rarely have time to walk through galleries or visit art auctions together.</p>
<p>&#8220;We&#39;ll see when we cruise,&#8221; DC said a number of months ago. I sighed. He&#39;s a much bigger fan of cruises. The considered those oversized ships with their central parks, ice rinks, huge buffets, and free-flowing alcohol used to make me need to camp. But he convinced me to offer it a try. I&#39;ve modified my mind. And that&#39;s marriage.</p>
<p>He also convinced me to attend the ship&#39;s art auctions, which I used to think were kitschy because a few of the art on the market there&#8217;s actually the sort that involves two olives holding hands and dancing in a martini glass. That&#39;s not a judgement. It&#39;s only a fact.</p>
<p>Park West, the corporate that conducts art auctions for a lot of cruise lines, knows what its cruise customers like. They also know that vacationers, with all their worries at sea on a distant shore, are willing to spend money. These pals hold a glass of champagne in a single hand and a numbered paddle in the opposite, while a jaunty auctioneer on stage unveils artworks and explains why you could change into their owner &#8211; this very minute.</p>
<p>Numbers and money (from 50 to five-figure amounts) fly through the air. Hammers bang. And before you understand it, someone goes home with a signed, numbered and framed Salvador Dali. It&#39;s crazy. But I used to be there.</p>
<p>We agreed on one thing: we wanted a recent work, as original as possible, about 30&#8243; x 40&#8243;, in shades of blue and orange, with a water theme, and, oh, inside our budget. So we told the auctioneer what we were searching for. He opened his laptop and pulled up several works on the boat, including one by an up-and-coming artist from Florida that miraculously met all of our criteria.</p>
<p>We researched the artist online to search out out what prices his works have sold for. The opening bid for the framed original was significantly lower. Now &#8220;Sailing at Dawn&#8221; is on its option to our home.</p>
<p>Back home, I called Susan Filebark, an art appraiser from Florida. She had learned her craft from her mother, who also worked as a museum appraiser, and had a rule: &#8220;Never buy art on a cruise ship!&#8221;</p>
<p>After we got past that laugh, she explained to me what affects the worth of a murals, so in case you ever end up standing there with a paddle in a single hand and champagne in the opposite, you&#39;ll be prepared.</p>
<p><strong>The artist:</strong> Fame, in fact, influences the selling price. Some collectors only want signed originals or limited edition artworks by listed artists, i.e. those that have sold their works at auction.</p>
<p><strong>Original or limited edition:</strong> A signed original will fetch the best price, but when that&#39;s out of your price range, search for serigraphs, stone lithographs, or engravings by that artist. These limited edition prints are still considered art. As the printing plates age with multiple impressions, production stops when the artist is not any longer satisfied with the standard, making it a limited edition.</p>
<p><strong>Signed and numbered:</strong> Look for a fraction, similar to 42/150, written in pencil at the underside of a limited edition print. This indicates that it&#8217;s the forty second print in an edition of 150. The artist often signs each print. Typically, these editions are under 250. Editions much higher make the print less useful.</p>
<p><strong>Open edition prints:</strong> They are principally posters. If the artist signs it, for instance at an exhibition, that may increase the worth but doesn&#8217;t make it a limited edition. Candace Hill, an art appraiser from Colorado, gives the next example: At auction, a signed poster of Andy Warhol&#39;s &#8220;Marilyn&#8221; sold for $952. A signed limited edition screen print brought in $156,250 and a signed original brought in $28 million.</p>
<p>&#8220;If you want to buy art by a particular artist,&#8221; Filebark advises, &#8220;search the second-hand market. Look for works offered at auction, or find the artist and buy directly from their studio.&#8221;</p>
</p>
<p>Originally published: <time datetime="2024-07-11 14:03:06">July 11, 2024 at 2:03 p.m.</time></p>
</div>
<p><em>image credit : www.mercurynews.com</em></p>
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		<title>Ocean warming is putting coastal economies in trouble</title>
		<link>https://bloggingthree.soflytech.com/2024/06/ocean-warming-is-putting-coastal-economies-in-trouble/</link>
		
		<dc:creator><![CDATA[chandankumarsoft]]></dc:creator>
		<pubDate>Tue, 11 Jun 2024 02:56:28 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[coastal]]></category>
		<category><![CDATA[economies]]></category>
		<category><![CDATA[ocean]]></category>
		<category><![CDATA[putting]]></category>
		<category><![CDATA[trouble]]></category>
		<category><![CDATA[warming]]></category>
		<guid isPermaLink="false">https://bloggingthree.soflytech.com/?p=5970</guid>

					<description><![CDATA[Marine tourism and recreation supports greater than 320,000 jobs and goods and services valued at $13.5 billion in Florida. But in the summertime of 2023, when the water temperature off Miami reached as much as 37.8 degrees Celsius, a swim within the sea became significantly less attractive. The way forward for some jobs and businesses [&#8230;]]]></description>
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<p>Marine tourism and recreation <a href="https://oceaneconomics.org/ocean_econ/ocean_econ.html">supports greater than</a> 320,000 jobs and goods and services valued at $13.5 billion in Florida. But in the summertime of 2023, when the water temperature off Miami reached as much as 37.8 degrees Celsius, a swim within the sea became significantly less attractive.</p>
<p>The way forward for some jobs and businesses across the ocean economy has also grow to be more uncertain as oceans warm and damage from storms, sea level rise and maritime heatwaves increases.</p>
<p>Sea temperatures were <a href="https://climate.nasa.gov/vital-signs/ocean-warming/?intent=121">Warm up</a> within the last century and <a href="https://climatereanalyzer.org/clim/sst_daily/">Record highs</a> last 12 months, mainly as a result of rising greenhouse gas emissions from the combustion of fossil fuels. Scientists estimate that greater than <a href="https://www.ncei.noaa.gov/news/ocean-heat-content-rises">90 % of the surplus heat</a> attributable to human activities, <a href="https://earthobservatory.nasa.gov/features/OceanCarbon">was absorbed by the ocean</a>. </p>
<p>This warming, hidden for years in data of interest only to oceanographers, now has profound consequences for coastal economies around the globe.</p>
<p><iframe id="nes5h" class="tc-infographic-datawrapper" src="https://datawrapper.dwcdn.net/nes5h/2/" height="400px" width="100%" style="border: none" frameborder="0"></iframe></p>
<p>Understanding the role of the ocean within the economy is something <a href="https://www.middlebury.edu/institute/people/charles-colgan">I work on</a> for greater than 40 years, currently at <a href="https://www.middlebury.edu/institute/academics/centers-initiatives/center-blue-economy">Center for the Blue Economy</a> from the Middlebury Institute of International Studies. Mostly I study the positive contributions of the ocean, but that has began to vary, sometimes dramatically. Climate change has made the ocean a threat to the economy in some ways.</p>
<h2>The dangers of sea level rise</h2>
<p>One of the most important threats to the economy from ocean warming is rising sea levels. <a href="https://youtu.be/Z7uuhLkDTGw?feature=shared">Water heats up, it expands</a>. Together with the meltwater from glaciers and ice sheets, the thermal expansion of the water has led to increased flooding in low-lying coastal areas and <a href="https://carnegieendowment.org/2023/11/29/why-climate-change-is-especially-dire-for-islands-pub-91125">the longer term of the island states</a> at risk.</p>
<p>In the USA, rising sea levels will soon overwhelm <a href="https://abcnews.go.com/US/sea-level-rise-drove-native-community-isle-de/story?id=98479346">Jean Charles Island</a> in Louisiana and <a href="https://grist.org/climate/what-a-tiny-island-in-chesapeake-bay-teaches-us-about-the-costs-of-sea-level-rise/">Tangier Island within the Chesapeake Bay</a>. </p>
<p>Flooding at high tide, even on sunny days, is becoming more common, for instance in <a href="https://www.miamiherald.com/news/local/environment/climate-change/article281202298.html">Miami Beach</a>; <a href="https://www.annapolis.gov/312/Floods">Annapolis, Maryland</a>; <a href="https://www.defense.gov/News/News-Stories/Article/Article/2703096/dod-navy-confront-climate-change-challenges-in-southern-virginia/">Norfolk, Virginia</a>; and San Francisco. Flooding has greater than doubled since 2000 and is <a href="https://www.climatecentral.org/climate-matters/rising-seas-flooding-coasts-2023">on the approach to tripling</a> by 2050 along the country&#39;s coasts.</p>
<figure class="align-center zoomable">
<div class="placeholder-container" style="--aspect-ratio-percent:75.72944297082228%;--background-color:#9e6f55"><img decoding="async" alt="Maps show the rise in temperatures and sea levels, with the rise being fastest along the Gulf and Atlantic coasts and slower along the Pacific coast." class="lazyload" src="https://images.theconversation.com/files/595855/original/file-20240522-17-szeno3.png?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;fit=clip" srcset="https://images.theconversation.com/files/595855/original/file-20240522-17-szeno3.png?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=600&#038;h=455&#038;fit=crop&#038;dpr=1 600w, https://images.theconversation.com/files/595855/original/file-20240522-17-szeno3.png?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=600&#038;h=455&#038;fit=crop&#038;dpr=2 1200w, https://images.theconversation.com/files/595855/original/file-20240522-17-szeno3.png?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=600&#038;h=455&#038;fit=crop&#038;dpr=3 1800w, https://images.theconversation.com/files/595855/original/file-20240522-17-szeno3.png?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;h=571&#038;fit=crop&#038;dpr=1 754w, https://images.theconversation.com/files/595855/original/file-20240522-17-szeno3.png?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=754&#038;h=571&#038;fit=crop&#038;dpr=2 1508w, https://images.theconversation.com/files/595855/original/file-20240522-17-szeno3.png?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=754&#038;h=571&#038;fit=crop&#038;dpr=3 2262w" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px"></div><figcaption>
              <span class="caption">Satellite and tide data show sea level changes from 1993 to 2020.</span><br />
              <span class="attribution"><a class="source" href="https://nca2023.globalchange.gov/chapter/2/#fig-2-5">National Climate Assessment 2023</a></span><br />
            </figcaption></figure>
<p>Rising sea levels are also pushing saltwater into freshwater aquifers, that are used to supply water for agriculture. The strawberry harvest in coastal California is <a href="https://www.producebluebook.com/2023/12/14/beyond-drought-the-salinas-valley/">already affected</a>. </p>
<p>These impacts are still small and localized. Much greater impacts are related to storms which might be amplified by rising sea levels.</p>
<h2>Higher sea levels can worsen storm damage</h2>
<p>Warmer ocean water fuels tropical storms. This is one in every of the explanation why meteorologists are warning of a severe hurricane season in 2024.</p>
<p>Tropical storms pick up moisture over warm water and transport it to cooler areas. The warmer the water, the faster the storm can form, the faster it could actually intensify, and the <a href="https://www.pnnl.gov/news-media/coastal-hurricanes-around-world-are-intensifying-faster">it could take longer</a>leading to destructive storms and heavy rains that may flood cities even removed from the coast.</p>
<p>When these storms hit the already raised sea level, the waves and storm surge can dramatically enlarge the coastlines. <a href="https://nca2023.globalchange.gov/chapter/9#key-message-1">flooding</a>.</p>
<figure>
<p><iframe title="Climate Central_Sea Level Rise Simulation_Charleston 7 ft storm surge" width="1170" height="658" src="https://www.youtube.com/embed/ttvxt7UhIA4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p><figcaption><span class="caption">This is what the flooding from Hurricane Hugo in Charleston, South Carolina, would appear to be with today&#39;s higher sea levels.</span></figcaption></figure>
<p>Tropical cyclones caused <a href="https://coast.noaa.gov/states/fast-facts/hurricane-costs.html">greater than $1.3 trillion in damage</a> within the United States from 1980 to 2023, with a median cost of $22.8 billion per storm. Much of this cost was borne by taxpayers.</p>
<p>It&#39;s not only tropical storms. Maine saw what can occur when a winter storm in January 2024 created tides <a href="https://wgme.com/news/local/portland-shatters-1978-high-tide-record-coast-flooding-rain-maine-coastal-wind-winter-severe-storm">5 feet above normal</a> which filled the coastal roads with sea water.</p>
<figure class="align-center ">
<div class="placeholder-container" style="--aspect-ratio-percent:62.864721485411145%;--background-color:#50372f"><img decoding="async" alt="A firefighter walks through knee-deep sea water on a commercial street, with a sign for "J&#39;s Oysters" behind him." class="lazyload" src="https://images.theconversation.com/files/596450/original/file-20240526-17-g9lgpx.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;fit=clip" srcset="https://images.theconversation.com/files/596450/original/file-20240526-17-g9lgpx.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=600&#038;h=377&#038;fit=crop&#038;dpr=1 600w, https://images.theconversation.com/files/596450/original/file-20240526-17-g9lgpx.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=600&#038;h=377&#038;fit=crop&#038;dpr=2 1200w, https://images.theconversation.com/files/596450/original/file-20240526-17-g9lgpx.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=600&#038;h=377&#038;fit=crop&#038;dpr=3 1800w, https://images.theconversation.com/files/596450/original/file-20240526-17-g9lgpx.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;h=474&#038;fit=crop&#038;dpr=1 754w, https://images.theconversation.com/files/596450/original/file-20240526-17-g9lgpx.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=754&#038;h=474&#038;fit=crop&#038;dpr=2 1508w, https://images.theconversation.com/files/596450/original/file-20240526-17-g9lgpx.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=754&#038;h=474&#038;fit=crop&#038;dpr=3 2262w" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px"></div><figcaption>
              <span class="caption">A winter storm that hit the land during high tide caused water to flood the streets of Portland, Maine, in January 2024.</span><br />
              <span class="attribution"><a class="source" href="https://newsroom.ap.org/detail/CoastalInundationNortheast/3fefc132d4c34b619455f733e9cf9d39/photo">AP Photo/Robert F. Bukaty</a></span><br />
            </figcaption></figure>
<p>What does this mean for the economy?</p>
<p>The potential future economic damage from sea level rise is unknown since the pace and magnitude of sea level rise are unknown. </p>
<p>According to at least one estimate, the prices of sea level rise and storm surges alone can be over $990 billion this century. Adaptation measures could only reduce these costs by <a href="https://doi.org/10.1007/s10584-014-1304-z">100 billion US dollars</a>These estimates include direct property damage and damage to infrastructure akin to transport, water systems and ports. They don&#8217;t include impacts on agriculture as a result of the intrusion of saline water into aquifers, <a href="https://deeply.thenewhumanitarian.org/water/community/2018/05/14/seawater-intrusion-threatens-some-of-californias-richest-farmland">Agriculture</a>.</p>
<h2>Heatwaves within the sea cause difficulties for fisheries</h2>
<p>Rising sea temperatures also affect marine life by causing extreme events called marine heatwaves and more gradual, longer-term temperature fluctuations.</p>
<p>In spring 2024, one third of the worldwide oceans <a href="https://psl.noaa.gov/marine-heatwaves/#report">Experience heat waves</a>Corals fight through their <a href="https://www.noaa.gov/news-release/noaa-confirms-4th-global-coral-bleaching-event">fourth global bleaching event</a> in records, as warm ocean temperatures cause them to expel the algae that live of their shells and provides the corals color and food. While corals sometimes get better from bleaching, akin to <a href="https://doi.org/10.1016/j.oneear.2021.08.016">Half of the world&#39;s coral reefs have died</a> since 1950, and their <a href="https://new.nsf.gov/news/coral-reefs-tropical-pacific-could-survive-2060s">The future after the center of this century is bleak</a>.</p>
<figure class="align-center ">
<div class="placeholder-container" style="--aspect-ratio-percent:75.06631299734748%;--background-color:#2f4d55"><img decoding="async" alt="A school of yellow-tailed fish swims over a reef in July 2023." class="lazyload" src="https://images.theconversation.com/files/595868/original/file-20240522-17-hs11gn.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;fit=clip" srcset="https://images.theconversation.com/files/595868/original/file-20240522-17-hs11gn.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=600&#038;h=450&#038;fit=crop&#038;dpr=1 600w, https://images.theconversation.com/files/595868/original/file-20240522-17-hs11gn.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=600&#038;h=450&#038;fit=crop&#038;dpr=2 1200w, https://images.theconversation.com/files/595868/original/file-20240522-17-hs11gn.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=600&#038;h=450&#038;fit=crop&#038;dpr=3 1800w, https://images.theconversation.com/files/595868/original/file-20240522-17-hs11gn.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;h=566&#038;fit=crop&#038;dpr=1 754w, https://images.theconversation.com/files/595868/original/file-20240522-17-hs11gn.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=754&#038;h=566&#038;fit=crop&#038;dpr=2 1508w, https://images.theconversation.com/files/595868/original/file-20240522-17-hs11gn.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=754&#038;h=566&#038;fit=crop&#038;dpr=3 2262w" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px"></div><figcaption>
              <span class="caption">Healthy coral reefs provide breeding grounds and habitat for fish. These schoolmaster snapper fish were spotted at Davey Crocker Reef near Islamorada within the Florida Keys.</span><br />
              <span class="attribution"><a class="source" href="https://commons.m.wikimedia.org/wiki/File:Schoolmaster_Snappers_Davy_Crocker_Reef_20230715.jpg">Jstuby/Wikimedia</a>, <a class="license" href="http://creativecommons.org/licenses/by/4.0/">From</a></span><br />
            </figcaption></figure>
<p>The lack of coral reefs is greater than just their beauty. Coral reefs function breeding grounds and feeding grounds <a href="https://oceanservice.noaa.gov/education/tutorial_corals/coral07_importance.html">for hundreds of fish species</a>According to NOAA estimates, about half of all <a href="https://www.fisheries.noaa.gov/insight/understanding-fisheries-management-united-states">federally managed fisheries</a>including snappers and groupers, rely upon reefs sooner or later of their life cycle.</p>
<p>Warmer waters cause fish to migrate to cooler areas. This is particularly evident in cold-water-loving species akin to lobsters, that are steadily moving north to flee warming seas. The once robust lobster fishery in southern New England is <a href="https://gmri.org/stories/new-study-warming-conservation-and-lobsters">decreased significantly</a>.</p>
<figure class="align-center zoomable">
<div class="placeholder-container" style="--aspect-ratio-percent:85.94164456233422%;--background-color:#586b99"><img decoding="async" alt="The map shows how the average locations of lobster, red hake and black sea bass have changed over 45 years, 1974-2019. Smaller diagrams show the respective changes" class="lazyload" src="https://images.theconversation.com/files/595865/original/file-20240522-21-379zpr.png?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;fit=clip" srcset="https://images.theconversation.com/files/595865/original/file-20240522-21-379zpr.png?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=600&#038;h=516&#038;fit=crop&#038;dpr=1 600w, https://images.theconversation.com/files/595865/original/file-20240522-21-379zpr.png?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=600&#038;h=516&#038;fit=crop&#038;dpr=2 1200w, https://images.theconversation.com/files/595865/original/file-20240522-21-379zpr.png?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=600&#038;h=516&#038;fit=crop&#038;dpr=3 1800w, https://images.theconversation.com/files/595865/original/file-20240522-21-379zpr.png?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;h=648&#038;fit=crop&#038;dpr=1 754w, https://images.theconversation.com/files/595865/original/file-20240522-21-379zpr.png?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=754&#038;h=648&#038;fit=crop&#038;dpr=2 1508w, https://images.theconversation.com/files/595865/original/file-20240522-21-379zpr.png?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=754&#038;h=648&#038;fit=crop&#038;dpr=3 2262w" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px"></div><figcaption>
              <span class="caption">How three fish and shellfish species migrated off the U.S. Atlantic coast between 1974 and 2019. Dots show annual average location.</span><br />
              <span class="attribution"><a class="source" href="https://www.epa.gov/climate-indicators/climate-change-indicators-marine-species-distribution">NOAA</a></span><br />
            </figcaption></figure>
<p>In the Gulf of Alaska, rising temperatures have nearly worn out snow crabs and shut down a $270 million fishery. <a href="https://www.fisheries.noaa.gov/podcast/what-happened-all-alaska-snow-crabs">completely closed for 2 years</a>A serious heat wave <a href="https://nca2023.globalchange.gov/chapter/10/">off the Pacific coast</a> spanned several years within the 2010s and affected fisheries between Alaska and Oregon.</p>
<h2>That is not going to change anytime soon</h2>
<p>The gathered ocean heat and greenhouse gases within the atmosphere are <a href="https://nca2023.globalchange.gov/chapter/2/">influence sea temperatures for hundreds of years</a>even when countries reduce their greenhouse gas emissions to zero by 2050 as hoped. So while the oceans <a href="https://www.climate.gov/news-features/understanding-climate/climate-change-ocean-heat-content">Temperatures vary from 12 months to 12 months</a>The overall trend is prone to proceed for at the least one other century.</p>
<p>There isn&#8217;t any cold water tap we are able to simply activate to quickly bring ocean temperatures back to “normal,” so communities might want to adapt while all the planet works to slow greenhouse gas emissions to secure the ocean economy for the longer term.</p>
</p></div>
<p><em>image credit : theconversation.com</em></p>
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		<title>Why half of all staff could have trouble getting medical health insurance for weight reduction drugs</title>
		<link>https://bloggingthree.soflytech.com/2024/06/why-half-of-all-staff-could-have-trouble-getting-medical-health-insurance-for-weight-reduction-drugs/</link>
		
		<dc:creator><![CDATA[chandankumarsoft]]></dc:creator>
		<pubDate>Mon, 03 Jun 2024 09:39:26 +0000</pubDate>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[drugs]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[loss]]></category>
		<category><![CDATA[trouble]]></category>
		<category><![CDATA[weight]]></category>
		<category><![CDATA[workers]]></category>
		<guid isPermaLink="false">https://bloggingthree.soflytech.com/?p=5250</guid>

					<description><![CDATA[Companies are increasing their employees&#39; access to latest blockbuster weight-loss drugs, but employer size could make an enormous difference in early access. Small businesses and their employees are sometimes caught in a bind relating to this burgeoning medical health insurance market. Small businesses employ about half of all staff within the U.S. labor market and [&#8230;]]]></description>
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<p>Companies are increasing their employees&#39; access to latest blockbuster weight-loss drugs, but employer size could make an enormous difference in early access. Small businesses and their employees are sometimes caught in a bind relating to this burgeoning medical health insurance market.</p>
<p>Small businesses employ about half of all staff within the U.S. labor market and have been adding jobs faster than large employers. Since the primary quarter of 2021, based on the U.S. Bureau of Labor Statistics, 53% of the 12.2 million net jobs created across all employers got here from hiring at small businesses, consistent with <a href="https://www.bls.gov/opub/ted/2024/small-businesses-contributed-55-percent-of-the-total-net-job-creation-from-2013-to-2023.htm" target="_blank" rel="noopener">the longer-term trend</a>. </p>
<p>The blockbuster obesity drugs, called GLP-1 agonists, cost around $1,000 a month on average &#8212; and are typically taken over an extended time period. Access to those weight-loss drugs is coming from more sources in the marketplace, drugmakers are ramping up production, and use cases are continuing to expand. Clinical trials are showing advantages for conditions starting from sleep apnea to heart disease risk. But most of the 100 million American adults who&#8217;re obese can&#39;t afford to pay out of pocket for drugs like Novo Nordisk&#39;s Wegovy and Eli Lilly&#39;s Zepbound, so that they&#39;re turning to their employers for help. </p>
<p>A survey of 205 corporations by the International Foundation of Employee Benefit Plans last October found that 76% of respondents covered GLP-1 drugs for diabetes, while only 27% covered weight reduction. However, 13% of plan sponsors said they&#8217;re considering covering weight reduction. Covering these drugs is harder for smaller employers, nonetheless, as lots of them depend on prepackaged plans from their insurance carriers. While there are plans that cover GLP-1 drugs, the associated fee might be prohibitive for a lot of small businesses.</p>
<p>There is robust demand from employees for medical health insurance, and smaller employers would really like to achieve this, but there are trade-offs, says Shawn Gremminger, president and CEO of the National Alliance of Healthcare Purchaser Coalitions, a nonprofit, purchaser-led organization. Companies must consider the impact on wages or other advantages they wish to offer. &#8220;Corporate money has to come from somewhere,&#8221; he says.</p>
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<p>In some cases, even when small employers wish to cover the associated fee of weight reduction medications, they&#8217;re simply priced out of the market and must accept that they can&#8217;t provide the coverage they would really like. </p>
<p>&#8220;Given the prices of these drugs, you have to do a cost-benefit analysis, and many small companies &#8211; even some larger ones &#8211; just can&#39;t do that,&#8221; Gremminger said. &#8220;No matter how much they want to.&#8221;</p>
<p>Here are some points that small business employers and employees should consider when considering receiving expensive weight reduction drugs as a part of their advantages.</p>
<p><strong>Agreements on additional annual advantages are currently being negotiated. </strong>The open enrollment period for medical health insurance doesn&#39;t begin until the autumn, but employers should start talking to their insurance broker or agent now about renewing their insurance, and that conversation should include mentioning weight-loss drugs. Small employers should tell their broker they would really like to supply weight-loss drugs to their employees and ask for help finding the suitable provider or plan, said Gary Kushner, chairman and president of Kushner &#038; Company, an insurance advantages design and administration firm.</p>
<p>The market is changing quickly. Last yr, an insurer asked if it covered weight-loss drugs may need said no, but it surely&#39;s price asking again since it could have been forced to vary its offering resulting from competitive pressures, says Kate Moher, president of national worker health and advantages on the Marsh McLennan Agency, which advises employers on plan and profit program design. &#8220;You should be asking this question every year,&#8221; she said. </p>
<p><strong>Insurance premiums could rise. </strong>To get access to weight-loss drugs, many small businesses could have to change medical health insurance providers and certain pay more. &#8220;It&#39;s most likely going to be more expensive if one insurance company doesn&#39;t cover the drugs and another does,&#8221; Kushner said.</p>
<p>Employers even have to make a decision how much of that may reasonably be passed on to employees without unduly burdening staff who may never need those drugs. &#8220;If 20% of your population takes them, the premium for everyone goes up by the percentage that&#39;s supposed to cover the cost,&#8221; Gremminger said.</p>
<p><strong>Smaller corporations should consider establishing their very own company medical health insurance. </strong>In general, any company with at the least 50 employees could consider working with a captive health plan resembling Roundstone, ParetoHealth, Stealth and Amwins, Moher said. These corporations allow groups of corporations that might not self-insure &#8211; the approach most large corporations take &#8211; to pool their resources and work together to create a bunch health plan. </p>
<p>That approach may give a small business and its employees more flexibility, Moher said, but owners still need to weigh the prices and there are requirements to qualify. It&#39;s also not something corporations can change yearly, like they&#8217;ll when working with a standard insurer. &#8220;It&#39;s a long-term game; you can&#39;t just get in and out,&#8221; Moher said. </p>
<p>These plans are designed for the long run because participants conform to spread risk as members and owners. This approach can keep costs low over time and reduce volatility. However, if business owners are in search of a fast fix or would relatively wait and see how the market performs over the subsequent yr, this might be not the suitable model.</p>
<p>For some small businesses, a standalone insurance option for GLP-1 drugs may additionally work. Companies like Vida Health, Calibrate, Found Health and Vitality Group offer these plans independently of the employer&#39;s primary insurer, Gremminger said. Employers must weigh whether this is likely to be more cost effective and whether the choice really meets the needs of their employees based on the plans.</p>
<p><strong>Use an FSA to cover the associated fee of weight reduction medications. </strong>If insurance options aren&#39;t an efficient solution today, small employers could have another options to assist their employees cover the associated fee of weight reduction medications. For example, they might contribute to employees&#39; flexible spending accounts or health savings accounts. They could also consider a health reimbursement arrangement (HRA), an employer-sponsored plan that reimburses employees for qualified medical expenses. </p>
<p>But each of those options comes with strict rules and requirements. With an FSA, for instance, the IRS caps an employer&#39;s contribution based on the worker&#39;s contributions, and that also is probably not enough to cover the associated fee of those drugs in the long run. &#8220;Does it help? Sure. Does it solve the problem? No,&#8221; Kushner said.</p>
<p>It&#39;s also not a step you need to take without prior approval from legal counsel. &#8220;You need the advice of your ERISA attorneys to make sure you meet all the criteria,&#8221; Moher said. &#8220;It&#39;s a creative way to go, but you need to make sure you meet all of your compliance requirements.&#8221;</p>
<p>Right now, the underside line might be very daunting for small corporations and their employees, given the associated fee and limited options, but it surely&#39;s also essential to know that there are about 20 drugs within the approval phase. Once they&#39;re approved, costs will likely come down, Moher said. &#8220;That may be a short-term thing until we get more GLP-1 drugs approved.&#8221;</p>
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<p><em>image credit : www.cnbc.com</em></p>
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