Daily Archives: February 8, 2021

Gerresheimer Triveni receives award for its active customer management from the Indian industry association CII – Pharmaceutical Business review -…

Posted: February 8, 2021 at 11:41 am

The Confederation of Indian Industry (CII) presented Gerresheimer Triveni with the Customer Obsession Award in December 2020. At Triveni in Kundli, plastic containers and closures for solid medications have been produced in accordance with the American Drug Master File (DMF) standard of the FDA (Federal Drug Association) for two decades. Triveni has been part of the Gerresheimer Group since 2012. The company is currently building a further plant to produce plastic containers in Kosamba.

As a leading total solutions provider, we believe in innovative packaging solutions and are committed to working closely with our customers, said Prakash Dhameja, Managing Director of Primary Packaging Plastic India, who received the award at a virtual event, adding, even when we had to work under extreme conditions during the Covid19 outbreak, we managed to meet or exceed our customers expectations. I would like to thank all employees for their extraordinary commitment, and I am very proud to receive this award on behalf of the workforce and the Gerresheimer Group.

Triveni Polymers Ltd. is part of Gerresheimer Primary Packaging Plastics and produces plastic containers and closures for solid and liquid medications in association with sites in Europe, Asia and America. The portfolio includes screw-cap and snap-on containers, US Type containers (with induction seal) and closures with child-proof and senior-friendly features. The containers and closures are produced from HDPE, LDPE, PP and PET and serve as reliable primary packaging for many well-known medicines and cosmetic products. The plant is certified to the recognized ISO 9001, 14001, 15378 and 18001 standards and holds all major DMF certificates as well as the PR-MF from the Public Health Agency of Canada.

As part of the Gerresheimer Group, Plastic Packaging is committed to sustainable growth. In addition to sustainable production, the division is committed to the use of PET bottles made from up to 100% recycled plastic. With BioPack, Gerresheimer offers a renewable raw material to produce pharmaceutical packaging made from sugar cane.

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6 Important Spring Cleaning Tips That Are Often Forgotten – The Apopka Voice

Posted: at 11:41 am

By Jane Lucas

As winter starts to fade away, or at least were beginning to start feeling hopeful about whats to come once it truly does, our minds often turn to the big spring clean. After the dark, sometimes more dismal dullness of winter, it can be incredibly cathartic to have a really great deep clean of our homes to get them ready for the spring and the new life that it brings with it.

The problem is that, although this deep clean is something we generally do carry out like switching winter curtains for summer ones, or maybe changing our blankets for thinner ones there are still areas that go unnoticed and missed that could definitely benefit from a deep clean this spring. Read on to find out what they are and how you can go about ensuring you include them in your spring cleaning routine.

If you have a dishwasher, you might not consider it at all when it comes to cleaning, apart from, perhaps, wiping down the door once in a while. After all, the entire point of a dishwasher is that it cleans, so it should make the insides sparkling all the time, shouldnt it? That logic does make sense, until you consider exactly how dishwashers work; they clean the items inside them, but in doing so, they wash away all the dirt and grime and food particles, many of which get stuck in the filter or at the bottom of the dishwasher itself. Every time you use it, your dishes are being cleaned along with old bits of food, and bacteria can be covering everything. On top of this, fungi can grow in the dishwasher as it is a damp, dark space with plenty for the fungi to eat.

As you can see, it would be good to include your dishwasher on your spring cleaning schedule (and every month going forward to ensure it is entirely clean). The best way to clean your dishwasher is to run it on a full cycle when its empty. Clean out the filter first, and then use the hottest setting you have, and rather than including any cleaning solution or tablets, use a cup of vinegar instead. Also, sprinkle some baking soda inside before you run it. It will look amazing when its done.

If you have ceiling fans, youll know how much you rely on them, but if you use them a lot, you might not think about them at all when it comes to cleaning; theyre just there, useful essential in some cases but unremarkable and unnoticed. This is why they can so easily be forgotten when you are carrying out your spring clean and creating a list of everything that needs to be done.

Ceiling fans do need to be cleaned, however, as they collect a lot of dust. Like anything inanimate gets dusty when left untouched, as well as the fact that it also spins when in use, it also deposits that dust all around the room, meaning that anyone who is in that room will be breathing in those tiny particles. They probably wont even notice its happening, but it most certainly is, and it can be bad for your health, especially if you have a lung condition or breathing problems like asthma or allergies.

Youll want to include your ceiling fan in your cleaning schedule. Remember to take care when you do, however, as youll need to stand on a stepladder to get to the blades. To clean a ceiling fan, youll need a pillowcase (and you might want to wear a face mask too, just in case the dust escapes). Slip the pillowcase over each blade and pull gently towards you; this will remove the dust but keep it contained so that it doesnt make the entire room dusty and give you more work to do. Once the dust is removed, you can wipe the blade down with a damp cloth.

This is the kind of job that, once its done, youll be glad you did it, but before its done, youll wonder whether its worth all the effort. We can tell you now; it is. Youll need to take everything out of the fridge and freezer before you can start this job if youre going to do it properly, so the best time to do it will be just before your next trip to the grocery store since there will be fewer items inside. Throw away anything that you cant eat anything out of date or unidentifiable and put everything else into a cool bag or box so that it doesnt perish. Youll want to move quickly on this job, particularly when it comes to the freezer, but you dont want to rush either as youll only have to do it again sooner than you would if you did it properly the first time.

Wipe down every shelf, all the walls, all the containers, even the rubber seals (food can get trapped here), and once its clean the fridge or freezer door will close more easily. Use a mix of water and vinegar to cut through any greasy spills and to kill off any lingering bacteria. Try not to use bleach if you can help it; it will do a good job and can be used in place of vinegar if need be, but its best not to use it near food products if possible.

If there is a lot of ice in the freezer and it needs to be defrosted before you can clean it, youll have to factor in this extra time. Leave the door open and let the ice melt on its own (into a container). To speed things up, you can leave a fan running by the open door, but do be wary of mixing water and electricity.

You probably make your bed every day. You possibly change your sheets once a week (give or take), but when was the last time you cleaned your mattress? Could it be that youve never done it? This might well be the case. Mattresses, despite being something we use every night and for hours at a time, are often ignored, but they do get extremely dirty. Dust mites can live there quite happily, for example, not to mention sweat and so on soaking through every night.

If your mattress is quite old, and certainly if its more than seven years old, then rather than cleaning it, you are probably best to buy a new one. Todays mattress technology means that modern mattresses are designed even better than old ones, and the difference a good mattress will make to your life will be incredible. Start by checking out a review of mattresses like Puffy and others.

If, however, there is still life in your mattress (or if you want to extend the life of the new one you have bought), you will need to clean it during your annual spring clean, and two or three more times throughout the year. To do so, sprinkle baking soda over the bare mattress and leave it for an hour. Then use your vacuum cleaner to remove the baking soda, and it will lift off the grime with it.

Your washing machine is yet another appliance that you use at least once a week and probably more but that is easily forgotten when it comes to cleaning, possibly because, as with your dishwasher, it has a self-cleaning vibe to it.

Yet, as with the dishwasher, bacteria and muck can be left behind, and the longer it goes between a thorough clean, the worse it will become. If youve ever caught a nasty odor coming from your washing machine, this will be why. Just pull back the door seal, and youll potentially find a layer of mold in the worst cases, and plenty of dirty lint otherwise.

Wipe around the entire unit with a clean cloth doused in a mixture of vinegar and water, and make sure you get into the folds of the rubber seals as this is where the worst of the problem is going to be found. Dont forget the dispenser drawer too. Once thats done, run the washing machine on the hottest cycle you have after putting two cups of vinegar into the dispenser drawer. A little tip when it comes to keeping the washing machine smelling fresher in between cleans is to leave the door open a little, if its safe to do so (pet and small children might make this a bad idea).

The oven is perhaps something we are more aware of as we can see when it becomes dirty, and when more than a quick wipe over with cleaning chemicals and a cloth is going to be required. The problem is, by that tim, the grease and grime are so baked on that the job becomes much more of a chore, and it gets put off even longer, becoming harder with every passing meal cooked.

You can get an expert in to do the job for you, and the result is sure to be an impressive one. However, if you want to save yourself some money, there are ways you can do it yourself. If you need to clean the burners, for example, put them into an ammonia-filled freezer bag and leave it outside overnight. You dont need enough ammonia to cover the burner, just a tablespoon or two is fine. In the morning, the grease will be easier to remove (remember to wear gloves when handling the burners though, and never mix ammonia with anything else).

For the oven itself, mix baking soda, lemon juice, dish soap, and vinegar. Spread this paste around the oven and leave it for a few hours, after which you can wipe away the dirt with a sponge.

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Paul and Romney embarrass themselves by lashing out at trans athletes – Outsports

Posted: at 11:40 am

After one of President Bidens recent executive orders provided encouraging news for trans athletes, backlash was sadly inevitable. After all, hes a new president and as weve discussed numerous times, transgender athletes have become a lightning rod in Americas endless and tiresome culture wars.

So its not surprising that during the confirmation hearing for prospective Secretary of Education Dr. Miguel Cardona, a few ambitious politicians would take the opportunity to announce that their number one academic priority was to throw a marginalized group under the bus.

Enter U.S. Sen. Rand Paul of Kentucky.

The first words out of his mouth tipped off everyone where he was going and it wasnt anywhere pleasant...

The Office of Civil Rights sent a letter to Connecticut saying that boys cant compete with girls in sports or shouldnt be forced to allow boys to compete in girls sports [sic]. If youre confirmed, will you enforce that Office of Civil Rights opinion?

To review, a duly elected U.S. Senator couldnt make it through one sentence (and thats being very generous with the term) without misgendering an entire community twice. It is a credit to Cardonas sense of restraint that he responded with an answer other than Grownups are talking. Why dont you go color?

Instead, Cardona asserted that his job as Secretary of Education would be to make sure were following civil rights of all students. He later expounded, I think its critically important that education systems and educators respect the rights of all students, including students who are transgender, and that they are afforded the opportunities that every other student has to participate in extracurricular activities.

That sound you just heard was one of Betsy DeVoss yachts exploding.

At that point, Paul began playing the greatest hits of Martina and the TERFs, spouting out talking points like destroy girls athletics, they dont get college scholarships, and hulking six-foot-four guys wrestling against girls. The proceedings transformed into less of a Senate hearing and more of a jukebox of bullshit.

Listening to his line of questioning, it was worth remembering that Paul considers himself a Libertarian. And if theres one singular piece of philosophy at the core of Ayn Rands canon, its that whenever people are left to freely pursue excellence in their chosen field, the government should step in to stop them as forcefully as possible. While calling John Galt a woman.

If trans athletes are such a threat to the core of Pauls world, maybe he can form his own barnstorming team called The Parasites.

That wasnt all. Later in the hearing, Sen. Mitt Romney of Utah took the floor. In the past year, Romney has marched with Black Lives Matter demonstrators and was part of the Group of Ten Republicans who met with President Biden to give the appearance of being willing to negotiate with Democrats.

But when it came to trans athletes, Romney was almost enthusiastic in his support for Pauls demagoguery:

I want to associate myself with a number of the things that were said by Senator Paul. Thats not something I say very frequently! But he made a very, very good point. Ive got pictures of my eight granddaughters... they shouldnt be competing with people who are physiologically in an entirely different category. And I think boys should be competing with boys and girls should be competing with [girls] on the athletic field.

Epic sigh.

I understand that confirmation hearings are all about trying to generate soundbites, especially when the nominee already has the votes clinched. Furthermore, I also know there are many out LGBTQ Republicans and conservatives who align with Paul and Romney on many issues.

But this is a story of two extremely powerful leaders cynically singling out members of our community to score cheap points. They also serve to turn people who havent researched this issue against a group that is already marginalized, othered and attacked way too frequently as it is.

This sorry episode isnt about politics or ideological disagreements. These are two of the most powerful men in the country going all-in on punching down. Its one bit of political theater that should have closed during previews.

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Our nation has never fully agreed on much, but it hasn’t always torn itself apart | TheHill – The Hill

Posted: at 11:40 am

Our house is divided. Perhaps more than at any time since the Civil War, Americans seem to occupy two different worlds, suspicious of the other and wary that the view of the other represents a threat to cherished, inviolate truths about what America is all about. This tension has humbled a nation whose unity helped win its freedom from the worlds strongest empire nearly 250 years ago, see it through a civil war and defeat fascism and communism.

Where is that unity today or the strength it helps fuel? In its absence, it has come to violence in the very halls of our national capitol.

From our countrys founding, there have been a series of conflicts with one unresolved theme: Slavery, suffrage, and civil rights have the same pressure an unwillingness to recognize the value and rights of those whom the powerful deem different. In our civilization and every other there are endless stories of those with power being unwilling to share it.

Yet, our awareness of this weakness from generation to generation has made possible the courage to make steady, incremental change. Let us not forget where we started with a constitution that counted enslaved human beings as 3/5 of a person and where enfranchisement was limited only to wealthy white men. We are far from the goal of equity, but the sacrificial work of leaders and martyrs has improved our shared plight.

Sacrificial. Lincoln, King, Kennedy and thousands of others who never received fame, paid the ultimate price for this progress.

We are grateful for their courage and commitment, and on their shoulders we stand today as we reach higher to recognize the humanity in those with whom we disagree.

The sacrifice we are called upon to make today is smaller. We must try to understand a viewpoint that doesnt seem to make sense, and the life experiences that gave rise to it. It can be gut wrenching to do, but it is a necessity for a democracy to survive.

We are justifiably outraged at the ransacking of the Capitol, but we must also ask what led those who did it to believe the presidential election was stolen. We may condemn riots that burn down shops and neighborhoods, but we should ask what leads people to feel they have no other choice. We must ask how we got here because unless we understand that and address the root causes, we cannot move forward.

No one wins hearts and minds by yelling more loudly than the other side. Both sides lose their hearing.

To be united is not to agree on everything, but to agree that some interests and values rise above all others. Our nation has never fully agreed on much, but it has not always torn itself apart because of it.

This is something we try to model in higher education. To read Marx does not make you a communist. To hear a lecture by Rand PaulRandal (Rand) Howard PaulLawmakers lay blame on Trump over riot as second impeachment trial looms Murphy: 'I don't think any of our job ends just because the president has left office' Congress mulls tightening eligibility for stimulus checks MORE does not make you a libertarian. Understanding another perspective can better help you form your own. This can be especially true in trying to understand a perspective that may be totally opposite of your own. Every socialist should read Ayn Rand. Every conservative should read the New York Times editorial page.

Indoctrination is not the goal. Those who have been indoctrinated to a cause are not true believers. They are simply parrots, repeating what they have been told without real understanding or thought. Those with a shallow understanding are scared to confront other beliefs and perspectives. Those with deep understanding and commitment are not.

Those who want to rebuild unity and democracy will seek first to understand, then to be understood.

Being rude on social media or getting in yelling matches on cable TV are acts of those with shallow beliefs and understanding. These are actions of the weak and insecure, who dont actually understand or care for the significance and gravity of the ideas at hand. We need leaders and citizens who are bigger than that.

John Comerford is president ofOtterbein Universityin Westerville, Ohio. Follow on Twitter@Otterbein.

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Why Telling Students to ‘Trust the Experts’ Is Poor Advice | Caroline Breashears – Foundation for Economic Education

Posted: at 11:40 am

Among our countrys many ailments is the spread of fake news. As Beth McMurtie argues in a recent article in The Chronicle of Higher Education, disinformation and propaganda are flourishing, with people increasingly in politically polarized media ecosystems.

Fortunately, there are doctors in the house. Specifically, universities are full of professors with doctorates in education, history, and communication who seek to cure students of disinformation.

Unfortunately, a number of these experts also spread the disease, like medieval doctors who failed to sanitize their own hands.

For instance, one professor that McMurtie interviewed, Jennifer Mercieca, observes that many students following politics lean toward conservative outlets. That trend, she tells McMurtie, presents a particular set of challenges given the right wing medias war on truth, including an attack on academics as liars and misleading and corrupt.

Most men indeed as well as most sects in Religion, think themselves in possession of all truth, and that where ever others differ from them it is so far error.

Rather than disprove this perception of academic bias, McMurties article only confirms it by leaning heavily on conservative examples of prejudice. For instance, Professor Mercieca proudly insists that she never calls anyone a liar: Such labels, she says, dont reveal anything about why someone like Alex Jones, a far-right radio-show host who promotes conspiracy theories, is as powerful and as successful as he is.

Instead she helps students do their own analysis of Donald Trumps rhetoric to see how he claims to win even when his projects (such as building the wall between Mexico and the U.S.) fail to meet with much success.

And so the article goes, with McMurtie offering examples of how to deal thoughtfully with the misinformed (conservatives).

There is certainly bias on the right, just as there is bias on the left and everywhere in between. The reason is not so much politics as human nature, our predilection to believe we know best.

As Benjamin Franklin observed at the Philadelphia Convention, Most men indeed as well as most sects in Religion, think themselves in possession of all truth, and that where ever others differ from them it is so far error.

In this case, the Chronicle showcases that tendency by downplaying examples of partiality on the left.

There is no mention, for instance, of the factual inaccuracies in the 1619 Project promoted by the New York Times, despite substantial documentation by historians and economists.

There is no reference to Paul Krugmans column initially titled, How Many Americans will Ayn Rand Kill? Even the New York Times editors seem to have realized they had gone too far, changing the title to When Libertarianism Goes Bad.

There are no allusions to NPR giving Vicky Osterweil a platform to promote her book In Defense of Looting. Her interviewer did not even challenge Osterweils claims that looting enables people to demonstrate that without police and without state oppression, we can have things for free, or that we have to be willing to do things that scare us and that we wouldn't do in normal, peaceful times, because we need to get free.

Can we all agree now that such comments are problematic, regardless of the speakers political persuasion?

Instead, the Chronicle implies that students must be warned against conservatives and advised to trust real experts. Especially dangerous, according to one professor McMurtie interviewed, is the idea that the traditional gatekeepers of informationjournalists, scientists, and academics includedhave been side-stepped by self-styled experts who think they can read raw data and determine the truth about mask-wearing and voter fraud.

Is this really the solution? Drop the portcullis to exclude the supposed barbarians?

The problems in that approach were signaled decades ago by the Austrian economist F. A. Hayek. In The Intellectuals and Socialism, Hayek emphasizes the bias as well as the power of intellectuals, a class into which he places journalists, teachers, radio commentators, scientists, and doctorsthe very gatekeepers stressed in McMurties article. Hayek warns:

It is the intellectuals in this sense who decide what views and opinions are to reach us, which facts are important enough to be told to us and in what form and from what angle they are to be presented. Whether we shall ever learn the results of the expert and the original thinker depends mainly on their decision.

Hayek emphasizes that such intellectuals have good intentions but err in judging particular issues in relation to new ideals that fit their vision of an advanced society. The practical difficulties of achieving that society are of less interest than the broad visions, the specious comprehension of the social order as a whole which a planned system promises.

If we want to heal our country, we have to start by healing ourselves.

Hayeks point is especially prescient given current debates on how to respond to COVID-19. Who are the intellectuals, and how much power do they urge us to cede to state governments in relation to where we travel and how businesses can function?

One source that McMurtie interviewed, Michael Caulfield, stresses that since students cannot process all the data on COVID-19, it is better to rely on experts: You have to find someone who knows what theyre talking about. . . . And then think about whether what theyre saying is in the mainstream.

Caulfield is right that the source of information matters, but the danger of his emphasis on the mainstream is that it could lead students away from other perspectives that might be true or partially true. As John Stuart Mill observes in On Liberty,

...even if the received opinion be not only true, but the whole truth; unless it is suffered to be, and actually is, vigorously and earnestly contested, it will, by most of those who receive it, be held in the manner of a prejudice, with little comprehension or feeling of its rational grounds.

Such prejudices not only heighten the polarization that McMurtie bemoans. They lead us to ignore how experts mislead us, as in the CDCs changing message about wearing masks. And they direct us away from other scientific perspectives on the pandemic, such as The Great Barrington Declaration.

If we want to heal our country, we have to start by healing ourselves. We have to acknowledge the prevalence of bias across the political spectrum and the prejudices we are in danger of spreading.

Otherwise, we are making our students less aware and our country more divided. No vaccine can cure that.

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Liz was Isolated as a Felon on the Run, Transitioning Alone: Nick Cammilleri and Zackary Drucker on Their HBO Docuseries The Lady and the Dale -…

Posted: at 11:40 am

Binge-worthy doesnt even begin to describeThe Lady and the Dale, Nick Cammilleri and Zackary Druckers four-part, one-of-a-kind docuseries, premiering January 31 on HBO. Produced by the Duplass brothers, this twist-and-turning saga stars a three-wheeled car called the Dale (that may or may not have been viable) and its marketer extraordinaire, a visionary female entrepreneur (and longtime serial con artist) named Elizabeth Carmichael. With a promise of 70 miles to the gallon at a time when the 70s oil crisis was leaving Americans to linger at gas stations in Soviet-long lines, the Dale seemed to many a dream come true. And to others, too good to be true.

As Carmichaels over the top boasts and publicity stunts edged her ever closer to breaking the glass ceiling (and upending Detroit), a few corporate-friendly, straight white guys began to sniff around. (Most notably an equally egotistical local news reporter by the name of Dick Carlson yes, he who spawned that other pompous right-wing journo.) In short order, the story of an overhyped sports car became a focus on Liz Carmichael herself, which inevitably transformed into the tale of her former existence as Jerry Dean Michael, who for decades had scammed his way from coast to coast, dragging a loving wife and adoring five kids in tow.

But perhaps most remarkable or unremarkable of all was that the more Carmichael changed in physical appearance the more she stayed true to her grifter ways. Which resulted in a maddeningly ambiguous answer to the frustrating question that all non-cisgender folk have historically faced: Are you really what you claim to be? For ultimately, and ironically, the larger than life Liz had been able to convince more people to believe in her outlandish lies than to give credence to what seemed to be her sole inviolable truth. Sure, Elizabeth Carmichael had been born Jerry Dean Michael, but shed never been a man.

So to garner some clear-eyed answersFilmmakerreached out to Cammilleri and Drucker just prior toThe Lady and the Dales debut to learn all about their head spinning journey back in time and down the rabbit hole.

Filmmaker: So how did you all team up to do this series? And was it important to have both cisgender and non-cisgender folks involved in production (particularly for gaining access to the diverse range of interview subjects, from the trans to the transphobic)?

Cammilleri: I produced the project alone for the first six years. In that time it took all my effort just to gather the story of Lizs crimes, the Dale, the rose business finding subjects, writing court orders, mailing letters, digging up archival, getting funding. There wasnt a lot on Lizs life as a trans woman, save for a few diary entries published in the press. So when producers Allen Bain, Andre Gaines, and Duplass Brothers Productions came onboard in 2017 and 2018, we all agreed we needed representation across the spectrum (both cis and non-cisgender crew and speakers) in order to complete Lizs portrait as a wholehearted and three-dimensional trans woman.

Zackary came onboard immediately as a creative. It was clear she cared as much about Liz as I did. She helped me uncover a lot of Lizs trans life and personal journey in a way I hadnt seen before, and couldnt see because I didnt have that lived experience. Our production crew was so diverse, with so many opinions on who Liz Carmichael was, that it helped inform every decision we made about her life in an amazing way.

Because Id been shooting for seven years I had already interviewed nearly every cisgender interview subject you see in the series. So when Duplass Borthers Productions came onboard we reshot all the interviews, while adding some incredible LGBT scholars to help illuminate Lizs life as a trans woman. It just became a matter of who would be in the room for each interview. Once or twice the decision was made not to have Zackary there for fear of the subject being openly transphobic or withholding. But that was rare. Zackary conducted the interviews with all her subjects. I conducted the interviews with all mine. Allen Bain conducted the interviews with (family members) Candi and Richard. Every decision was a collective one.

Drucker: Making a film or television series takes a village, and the making of this was epic. Its fair to say that this project was transformative for many of us. We all learned something about ourselves and our families in its creation. Exploring such disparate vantage points added to its complexity. We all move in and out of various roles throughout our lives. Any trans person who has a large extended family knows that, even in your family of origin, there can be a wide range of perspectives and levels of understanding as to why you are who you are.

Filmmaker: I was particularly struck by the exquisite craftsmanship in this series specifically the combo of archival imagery, animation, and photo collage with the audio recordings. Even though Liz Carmichael died over a decade and a half ago, I actually got the sense that she was alive and well and telling her own story throughout. So how did you go about creating and stitching together all these various parts (which also includes many contemporary interviews)? Im guessing this must have been an incredibly time-consuming process.

Cammilleri: Because Lizs story was so effectively erased by the press, The Lady and the Dale became the most challenging project Id ever worked on. There was almost nothing left of Liz, so we had to piece her back together from the scraps of archival, stock photos, VO even employing crew members families to serve as character head replacements. (My grandfather Tommy portrays Mary Thayers husband in episode three. He crushed it.) That creative restriction soon resulted in such a rich and nuanced world personal to Lizs imagination, that grows and shrinks with her through the various phases of her story. Our animation team Awesome + Modest and Sean Donnelly, our animation director, deserve all the credit in the world for some of the most amazing animation Ive ever seen. They brought Lizs world to life.

Drucker: We had limited archival material of Liz, so much of her voice is reenacted based on direct quotes from articles since she was so extensively quoted or recorded in the media. But the breadth of other material was intimidating. There are thousands of pages of FBI files, hundreds of newspaper articles and lots of archival television discoveries. We interviewed more than 30 people, half of whom did not end up in the series. Animation is really the key to Lizs internal universe. Trans people create their own universes because we must claw out space for ourselves in a world that would probably rather we not exist. Lizs animation style is scrappy, DIY, paper-based cutouts with jagged edges. We wanted it to feel like this is how Liz would animate her story. Its tactile, its analog, there isnt a single digital dissolve or transition. Its a completely paper-based process/world.

Filmmaker: One of the most fascinating admissions in the series comes from Candi Michael, Lizs adoring daughter, who stressed that the whole family had been a part of Lizs transition from Jerry Dean. It happened slowly over time, which really made me rethink the era before hormones and surgeries became more readily accessible. Theres just something to be said for an unhurried process, one that allows loved ones to collectively come to terms with physical change. So were there any specific revelations regarding trans identity that you personally garnered through researching this story?

Drucker: Thank you, that is such a thoughtful question. In the scope of trans people through time, eking out an existence, swimming upstream, its hard to imagine Lizs story going any other way. I didnt know about Liz before Jay and Mark Duplass approached me with this project, and Lizs whole story was a tremendous learning experience for me. Many of the trans elders Ive known from her generation came out of a queer community, but Liz was isolated as a felon on the run, transitioning alone.

The harshest realization was how little mens views of trans people have changed over time. When asked about Lizs trans identity, many of our subjects had negative things to say, which in most cases was not necessary to include in the final cut. I introduced myself to interview subjects as Victoria, my passing legal name, and only one of the subjects seemed to notice that I was trans. Many of the rest didnt. I feel confident about saying that because of the derogatory things that they said about trans people, which I really doubt they wouldve said if they had identified me as trans.

Cammilleri: I wasnt too familiar with the LGBT community, so I never really understood why trans people were called frauds or con artists. Its one thing to read about it in a book, but its quite another to hear it and see it over and over and over as if being trans is as much of a crime as being a criminal. But Liz never conceded a day in her life. She woke up every day making the choice to be Liz Carmichael, despite knowing what she would face. Thats more courage than most people have in the world. My biggest revelation: survival is heroism.

Filmmaker: The fact that Liz, like fellow conservative Republican Caitlyn Jenner, grew up with the view of white male entitlement as an inherent right is a key part of her life story. (Indeed, its actually unsurprising that Liz was such a fan of Ayn Rand, who I always suspected was herself genderqueer as Rand was never able to comprehend, and practically despised, women who didnt male-identify as she did.) It just seems that Lizs contempt for society grew with the increasingly thwarted expectation of taking her white male privilege with her into womanhood. She just couldnt comprehend giving up that power or having it stripped from her. So how did this unsympathetic aspect a victim who couldnt see others as victims inform your approach to the story?

Drucker: You are spot on. I love this analysis. Im totally with you.

Cammilleri: Yes, thank you for such an incredible analysis. By 2000 everything was stripped from Liz, including her own name. She was forced to survive in the shadows as Kathy Johnson. Yet that entitlement seemed almost cruelly reflected in Mark Lisherons appearance. Early in my filming process, Mark admitted he had no journalistic reason to be at the compound. The irony of that admission always stuck with me. The very thing that withdrew Liz from society is what brought Lisheron to her doorstep. In that moment in that scene it became clear Lizs story was always a tragedy. A life filled with dopplegangers. Once we knew that, we just had to inch our way down, episode by episode, into that inevitable crevasse.

Filmmaker: Finally, how exactly did you get transphobic Dick Carlson to participate? (Was a straight cisgender white man strategically sent to do the interview?) The irony that libertarian Liz was taken down by another free-market Reagan Republican is just too rich. Is Carlson still to this day unable to see that he and Liz shared the same worldview?

Cammilleri: Well, the villain always thinks theyre the hero of their own story. So I told Carlson he was the hero, and he agreed. I shot the interview with our cameraman Matt LaCorte (a cis male) in 2016 prior to DBP coming onboard.

As for the last part, even if they did have a common worldview I dont think hed ever see it, because hes not looking to relate to her. She was an enemy to be defeated.

Drucker: Liz Carmichael continues to be one of Dick Carlsons amusing stories. Really hes a bit player in the arc of Lizs life, but what he represents is a deep legacy of the media-shaping opinions around trans-ness and gender expansive people that continues through to today. The future gets better and worse simultaneously. Liz could fly under the radar because trans people were not part of the publics imagination, but now we are certainly the most visible generation of trans people to come along, and the most organized. Our movement has grown, and so too has opposition to our rights. The story of Liz and Dick is a somewhat humble microcosm of what is today a global conversation. Dick Carlsons day is over, and Im not that interested in dissecting him but we have a whole hell of a lot of insight now into who Tucker Carlson is and what motivates his transphobia.

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COVID vaccines and relative effectiveness: Yahoo News Explains – Yahoo News

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The Conversation

Newspaper coverage of the incident is hard to find. New York HeraldOne cold April night in 1919, at around 2 a.m., a mob of 60 rowdy white students at the University of Maine surrounded the dorm room of Samuel and Roger Courtney in Hannibal Hamlin Hall. The mob planned to attack the two Black brothers from Boston in retaliation for what a newspaper article described at the time as their domineering manner and ill temper. The brothers were just two among what yearbooks show could not have been more than a dozen Black University of Maine students at the time. While no first-person accounts or university records of the incident are known to remain, newspaper clippings and photographs from a former students scrapbook help fill in the details. Although outnumbered, the Courtney brothers escaped. They knocked three freshmen attackers out cold in the process. Soon a mob of hundreds of students and community members formed to finish what the freshmen had started. The mob captured the brothers and led them about four miles back to campus with horse halters around their necks. Before a growing crowd at the livestock-viewing pavilion, members of the mob held down Samuel and Roger as their heads were shaved and their bodies stripped naked in the near-freezing weather. They were forced to slop each other with hot molasses. The mob then covered them with feathers from their dorm room pillows. The victims and bystanders cried out for the mob to stop but to no avail. Local police, alerted hours earlier, arrived only after the incident ended. No arrests were made. Incidents of tarring and feathering as a form of public torture can be found throughout American history, from colonial times onward. In nearby Ellsworth, Maine, a Know Nothing mob, seen by some as a forerunner to the KKK, tarred and feathered Jesuit priest Father John Bapst in 1851. Especially leading into World War I, this method of vigilantism continued to be used by the KKK and other groups against Black Americans, immigrants and labor organizers, especially in the South and West. As with the Courtney brothers incident, substitutions like molasses or milkweed were made based on what was readily available. Although rarely fatal, victims of tarring and feathering attacks were not only humiliated by being held down, shaved, stripped naked and covered in a boiled sticky substance and feathers, but their skin often became burned and blistered or peeled off when solvents were used to remove the remnants. Discovering the attack When I first discovered the Courtney brothers incident in the summer of 2020 as Black Lives Matter protests took place worldwide following the May death of George Floyd it felt monumental to me. Not only am I a historian at the university where this shameful event occurred, but Ive also devoted the past five years to tracking down information about the Red Summer of 1919, the name given to the nationwide wave of violence against Black Americans that year. University alumni records and yearbooks indicate the Courtney brothers never finished their studies. One article mentions possible legal action against the university, although I couldnt find evidence of it. The Courtney brothers, pictured tarred and feathered inside the livestock-viewing pavilion on the University of Maines campus. Seth Pinkham papers, Fogler Library, University of Maine Local media like The Bangor Daily News and the campus newspaper reported nothing on the event. A search of databases populated with millions of pages of historic newspapers yielded just six news accounts of the Courtney brothers incident. Most were published in the greater Boston area where the family was prominent, or in the Black press. While most of white America was unaware of the attack, many Black Americans likely read about it in The Chicago Defender, the most prominent and widely distributed Black paper in the nation at the time. Anyone with firsthand memory of the incident is long gone. Samuel passed away in 1929 with no descendants. Roger, who worked in real estate investment, died a year later, leaving a pregnant wife and toddler behind. Obituaries for both men are brief and provide no details about their deaths. My efforts to speak with Courtney family members are ongoing. Roger Courtneys infant son, Horace Sears Courtney, sits in a stroller. Yale Beinecke Library No condemnation The tarring and feathering is also missing from official University of Maine histories. A brief statement from the universitys then-president, Robert J. Aley, claimed the event was nothing more than childish hazing that was likely to happen any time, at any college, the gravity depending much upon the susceptibilities of the victim and the notoriety given it. Rather than condemn the mobs violence, his statement highlighted the fact that one of the brothers had previously violated unspecified campus rules, as if that justified the treatment the men received. A cross-country search When I began my research on the Red Summer in 2015, almost no documents about the events were digitized, and resources were spread out across the country at dozens of different institutions. I spent much of 2015 on a 7,500-mile cross-country journey, scouring material at over 20 archives, libraries and historical societies nationwide. On that trip, I collected digital copies of over 700 documents about this harrowing spike in anti-Black violence, including photographs of bodies on fire, reports of Black churches burned, court documents and coroners reports, telegrams documenting local government reactions and incendiary editorials that fueled the fire. I built a database of riot dates and locations, number of people killed, sizes of mobs, number of arrests, supposed instigating factors and related archival material to piece together how these events were all connected. This data allowed me to create maps, timelines and other methods of examining that moment in history. While each event was different, many trends emerged, such as the role of labor and housing tension spurred by the first wave of the Great Migration or the prevalence of attacks against Black soldiers that year. The end result, Visualizing the Red Summer, is now used in classrooms around the country. It has been featured or cited by Teaching Human Rights, the National Archives, History.com and the American Historical Association, among others. Yet most Americans have still never heard about the Black sharecroppers killed in the Elaine Massacre in Arkansas that year for organizing their labor or the fatal stoning of Black Chicago teenager Eugene Williams for floating into white waters in Lake Michigan. They werent taught about the Black World War I soldiers attacked in Charleston, South Carolina, and Bisbee, Arizona, during the Red Summer. There is still work to do, but the recent anniversaries of events like the Tulsa Massacre or the Red Summer, which coincided with modern-day Black Lives Matter protests and the killings of Americans like Breonna Taylor and George Floyd, have sparked a renewed interest in the past. This new discovery brings my research back home to campus. It has afforded me an opportunity to engage students with the events of the Red Summer in new ways. As the humanities specialist at the McGillicuddy Humanities Center, I worked with students in a public history class in the fall of 2020 to design a digital exhibit and walking tour of hidden histories at the University of Maine. This tour includes the attack on the Courtney brothers. Intentionally forgotten stories, or those buried out of shame or trauma, exist everywhere. By uncovering these local stories, it will become more clear how acts of violence against people of color are not limited to a particular time or place, but are rather part of collective American history. [Insight in your inbox each day. You can get it with The Conversations email newsletter.]This article is republished from The Conversation, a nonprofit news site dedicated to sharing ideas from academic experts. It was written by: Karen Sieber, University of Maine. Read more:For universities, making the case for diversity is part of making amends for racist pastWhy I teach a course called White Racism Karen Sieber does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

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Uber, Lyft and Disney earnings: What to know in the week ahead – Yahoo Tech

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Traders this week are gearing up for another packed week of quarterly earnings results.

The vast majority of companies that have so far reported results have handily beaten expectations, even after a series of upward revisions over the past couple months.

As of Friday, 59% of the S&P 500 has so far reported fourth-quarter results, according to data from FactSet. Of these, 81% of companies beat earnings expectations, which would tie it for the second-highest percentage of earnings beats since FactSet began tracking the metric in 2008. And earnings are currently on track to rise by 1.7% for the fourth quarter, which would mark the first quarter that S&P 500 companies report aggregate earnings growth since the final quarter of 2019.

Two of this weeks closely watched earnings results will come from ride-hailing rivals Lyft (LYFT) and Uber (UBER), which are set to report quarterly results on Tuesday and Wednesday after market close, respectively.

The pandemic dealt a blow to both companies throughout much of 2020, as consumer sheltering in place eschewed shared rides. Revenue fell by 48% in the third quarter over last year at Lyft, and 20% at Uber.

While sales are likely to still be down sharply in the fourth quarter, many analysts noted that the worst is probably behind both of these companies as the economy starts to reopen later this year.

We see a confluence of positive factors giving Uber and Lyft tailwinds into 2021 with more investors coming back to the story with many of the dark clouds clearing (Prop 22, demand improving), and a greater focus on reopening plays, Wedbush analyst Dan Ives wrote in a note, referring to the California proposition that allowed both companies to continue classifying their drivers as contract rather than full-time workers.

Fourth-quarter guidance from both companies last quarter appeared to affirm their upward trajectory. Uber CEO Dara Khosrowshahi said during the companys last earnings call in November that he expected adjusted EBITDA losses would improve on a year-over-year basis in the fourth quarter, after widening by about 7% to $625 million in the third quarter. The company also doubled down on its target of hitting its first quarter of adjusted EBITDA profitability by the end of 2021.

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Lyft CEO Logan Green also said last quarter that the company expected to report its first quarter of adjusted EBITDA profitability by the end of this year, even if rides remain depressed compared to when they first issued that guidance back in late 2019. At the time, Green also said operating expenses would retreat further this year, and that revenue per active rider would pick up, suggesting more frequent rides by Lyft users.

Over the course of the pandemic, Uber has had an edge on Lyft, however, in that its business included both mobility and food delivery segments. The latter picked up strongly during the pandemic as customers sheltering in place ordered more food online, helping offset declines in ride-hailing. Gross bookings at Ubers smaller UberEats business more than doubled in each of the second and third quarters of 2020, while mobility bookings more than halved over both periods. And while UberEats remains an unprofitable unit in the business, Khosrowshahi said in November he was confident the delivery business would post adjusted EBITDA profitability sometime next year.

Uber also recently made another acquisition to supplement its delivery business, announcing earlier this month that it would be picking up the alcohol-delivery company Drizly. The acquisition is expected to close in the first half of 2021 and will not be reflected in fourth-quarter results, but may factor into the companys guidance, if issued this week. Ubers earlier acquisition of peer food-delivery company Postmates closed in December, prior to the end of the fourth quarter.

Shares of Uber have risen 57% over the last year and 29% since market close of Nov. 6, after which Pfizer (PFE) and BioNTech (BNTX) first announced positive efficacy data on their COVID-19 vaccine and sparked a rally in reopening stocks. Lyft shares have risen 9.5% over the last year, but 40% since the close of Nov. 6.

Disney (DIS) is also poised to report fiscal first-quarter results this week, which will likely reflect ongoing growth in streaming platform Disney+ alongside some improvement across the companys more virus-exposed theme parks and experiences businesses.

Disney+ has been a key source of momentum for the entertainment giant while other areas of the business floundered during the pandemic. The streaming platform boasted 86.2 million subscribers as of Dec. 2, Disney reported at its investor day in December, reaching that level in just over a year of operation. Across all operations including Hulu and ESPN+, streaming subscribers totaled 137 million.

However, the companys subscriber numbers still pale compared to those at Netflix, which reported nearly 204 million global paid viewers as of the end of last year.

Still, the breakneck growth so far at Disney+ has already led the company to upwardly revise its longer-term projections. Disney said at its investor day that it now expects between 230 million-260 million global subscribers by the end of fiscal 2024, up significantly from the 60 million-90 million target the company posted in 2019. Disney+ is expected to become a profitable business segment by fiscal 2024 as well. And the company will also be increasing the price of Disney+ by $1 to $7.99 for U.S. users starting in March.

But while Disney+ soared, Disneys parks, cruises and other live entertainment operations languished throughout much of 2020. This area of the business had once comprised the profit engine of Disney prior to the virus, but swung to losses in each of the fiscal fourth and third quarters of last year as visitations dried up.

While most of Disneys global parks have reopened with limited capacity, Disneys flagship theme parks in Anaheim, California remain closed due to the pandemic. Disneyland and Disney California Adventure have both been closed since last March, and the aggregate impact of global park closures and weak visitor trends led Disney to slash tens of thousands of jobs throughout last year. Just last week, however, two California Assembly members introduced legislation that would allow theme park operators to reopen their locations sooner than previously proposed.

Shares of Disney have risen 28% over the last year, outperforming the S&P 500s 16.6% gain over that period.

Monday: Hasbro (HAS) before market open; Take-Two Interactive (TTWO), Chegg (CHGG) after market close

Tuesday: Centene (CNC), Coty Inc. (COTY), S&P Global (SPGI) before market open; Tenet Healthcare (TNT), Twitter (TWTR), Lyft (LYFT), Cisco Systems (CSCO) after market close

Wednesday: Coca-Cola (KO), Under Armour (UAA), CME Group (CME), General Motors (GM) before market open; Uber (UBER), MGM Resorts International (MGM), Zillow Group (ZG), iRobot (IRBT), Sonos (SONO), Spirit Airlines (SAVE), Zynga (ZNGA), OReilly Automotives (ORLY) after market close

Thursday: PepsiCo (PEP), Kraft Heinz (KHC), Yeti Holdings (YETI), Tyson Foods (TSN), Molson Coors (TAP), Duke Energy (DUK), Kellogg (K) before market open; GoDaddy (GDDY), Disney (DIS), DataDog (DDOG), Expedia (EXPE), HubSpot (HUBS), Affirm Holdings (AFFM) after market close

Friday: N/A

Monday: N/A

Tuesday: NFIB Small Business Optimism, January (97.0 expected, 95.9 in December); JOLTS Job Openings, December (6.450 million expected, 6.527 million in November)

Wednesday: MBA Mortgage Applications, week ended February 5 (8.1% during prior week); Consumer Price Index, month-over-month, January (0.3% expected, 0.4% in December); Consumer Price Index excluding food and energy, month-over-month, January (0.2% expected, 0.1% in December); Consumer Price Index year-over-year, January (1.5% expected, 1.4% in December); Consumer Price Index excluding food and energy year-over-year, January (1.5% expected, 1.6% in December); Real Average Hourly Earnings year-over-year, January (4.1% in December); Real Average weekly Earnings, year-over-year, January (5.3% in December); Wholesale inventories, month-over-month, December final (0.1% expected, 0.1% in prior print); Monthly Budget Statement, January (-$143.6 billion in December)

Thursday: Initial jobless claims, week ended February 6 (773,000 expected, 779,000 during prior week) Continuing claims, week ended Jan. 30 (4.592 million during prior week)

Friday: University of Michigan Sentiment Index, February preliminary (80.9 expected, 79.0 in January)

Emily McCormick is a reporter for Yahoo Finance. Follow her on Twitter: @emily_mcck

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Palantir Surges on Deal to Offer Software Through IBM – Yahoo Finance

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(Bloomberg) -- Palantir Technologies Inc. and International Business Machines Corp. are uniting in a partnership that will dramatically expand the reach of Palantirs sales force while making IBMs own artificial-intelligence software easier for non-technical customers to use, the companies plan to announce Monday.

The global partnership is the largest of its kind for Palantir, the maker of data-analysis software whose shares have more than quadrupled since its September debut on the New York Stock Exchange. Palantir gains access to a sales team of more than 2,500 people, up from its current 30. Palantirs stock rose 10% as trading opened in New York Monday, boosting the shares to $37.53.

The relationship is the payday for the project Palantir started more than a year ago to break its data integration and analysis software into smaller, less pricey modules. The Denver-based company mainly sells to companies with revenue in excess of $500 million -- many of which already have relationships with IBM.

Reselling Palantirs software to augment the data and AI tools that IBM already offers and make them easier for more people to use was a natural fit, said Rob Thomas, IBMs senior vice president of software, cloud and data. Were going to sell it to 180 countries and thousands of customers.

Palantirs software requires little to no coding, enabling less technical employees to use it, Thomas said. To expand IBMs cloud and AI business, half the revenue will need to come through partnerships like the one struck with Palantir. Thats a pretty fundamental change for us, he said.

Expanded Access

Without providing a time frame, Thomas said he expects the partnership to help boost IBMs customers using AI to 80% from its current 20%.

Palantir Chief Operating Officer Shyam Sankar said the technical fit with IBM and its reach are part of his companys long-term effort to finally ramp sales. In addition to commercial customers, government contracts have surged both in number and size during the pandemic.

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This is the biggest [partnership[ weve announced -- expect more, Sankar said. He said he expects to triple Palantirs direct-sales team to about 100 this year, a significant hike for a company whose management once prided itself on not employing a single salesperson.

Started with funding from PayPal co-founder Peter Thiel in 2003, Palantir found early success with users at the U.S. Central Intelligence Agency and went on to sign the Defense Department and Internal Revenue Service, which, respectively, have used the software to locate roadside bombs and hunt tax cheats.

Government Contracts

More recently the U.S. Department of Health and Human Services and the Centers for Disease Control and Prevention use Palantirs software to help predict Covid-19 outbreaks, distribute protective gear and allocate vaccines.

While Palantirs government contracts have grown -- sometimes amid privacy and surveillance concerns -- the companys commercial business has been slower to evolve.

Palantir last reported 132 total government and commercial clients, a concentrated pool that includes BP Plc, Merck KGaA and Airbus SE. Early customers like American Express Co. and Coca-Cola Co. which experimented with low-cost Palantir software trials and later ditched them, arent necessarily top of Palantirs list now, Sankar said.

We hope to win all this business back in the fullness of time, Sankar said, adding there is no pride list of former customers it hopes to now re-engage.

Palantir reports financial results for 2020 on Feb. 16. A shareholder lockup expires three days later, unleashing the remaining 80% of all shares that have not been eligible to trade. Palantir shares rose $2 to $34.05 on Feb. 5, giving it a stock-market value of $59.3 billion.

(Updates with shares in the second paragraph.)

For more articles like this, please visit us at bloomberg.com

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Your next stimulus check is just weeks away will you get the full $1,400? – Yahoo Finance

Posted: at 11:38 am

Your next stimulus check is just weeks away will you get the full $1,400?

The planned third round of coronavirus stimulus checks is moving through Congress at light speed compared to the draaaaaaaaaaagged-out second batch.

Lawmakers played footsie over the last direct aid payments throughout the spring, summer and fall of 2020. And, when the money finally started arriving before New Year's, all you got was a stimulus check for a measly (to borrow former President Donald Trump's description) $600 half the $1,200 distributed the very first time.

House Speaker Nancy Pelosi (pictured) is optimistic about getting new, $1,400 stimulus checks out very soon. Here's an update on the timing, and on your likelihood of getting the full amount.

To speed along President Joe Biden's $1.9 trillion dollar pandemic relief package, including the next stimulus checks, the Democrats who control Congress are using a streamlined process that could allow passage with simple majorities meaning no Republican support.

Republicans say the president's bill is too expensive. In hopes of winning over some members of the opposing party, Democrats are considering targeting the new direct payments to people with the greatest need.

Last spring's first, $1,200 stimulus checks were largely spent on essential needs, including food and rent, the U.S. Bureau of Labor Statistics has said.

Some of the money also was used for investing, a bureau survey found, or was spent on other, unspecified things possibly including affordable life insurance polices. Demand for life insurance has surged due to COVID.

The third stimulus checks may be more restricted, to go only to lower-income Americans, according to multiple media reports. For example, payments could phase out for individuals with incomes over $50,000, down from $75,000 for the two earlier checks.

While some people might have a smaller chance of receiving another stimulus check, families may get more money this time. The last payments excluded college students and other dependents over age 16; Biden aims to fix that in the new go-round.

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More than two-thirds of Americans (68%) support Biden's pandemic package, according to a Quinnipiac University poll. Congressional leaders have grown more optimistic about delivering it quickly, after a budget bill to fast-track the process passed the House and Senate last week.

Speaker Pelosi released a statement on Friday saying the hope is to wrap up work on Biden's COVID plan "before the end of February" a timeline that could give you a fresh stimulus check in early March.

That's an improvement from an earlier remark from Senate Majority Leader Chuck Schumer, indicating it could take Congress until mid-March to pass the next stimulus checks. Under that scenario, you'd get no money in your pocket until late March, and maybe not before April.

If COVID is battering your budget and you need additional cash right now, here are a few ways to tide yourself over financially until the next stimulus check comes.

Shrink the cost of your debt. If youve been using credit cards more than usual during the current crisis, you're probably piling up expensive interest. Tame your credit card debt and make it go away more swiftly by gathering up your balances into a single, lower-interest debt consolidation loan.

Shave down your insurance bills. Since many of us are driving less during the pandemic, car insurance companies have been giving price breaks. But if your auto insurer is stingy, shop around for a better policy. Plus, you might save hundreds on homeowners insurance by comparing rates to find a lower price on that coverage.

Refinance your mortgage and slash your payments. Mortgage rates have been lower than ever, so refinancing your existing home loan could provide big savings. Mortgage tech and data provider Black Knight says 19.4 million U.S. homeowners have the potential to cut their housing payments by an average $308 per month through a refi.

If you've been looking forward to a $1,400 payment but are at risk of receiving a reduced amount or no money at all under new income restrictions, here are a couple of things you can do:

Get your 2020 taxes in quickly. Log into a good tax software program and start working on your 2020 return, so you're ready to submit it when the IRS begins accepting returns on Feb. 12. Your eligibility for a stimulus check will be based on your most recent tax return, so if your income was pinched by the pandemic in 2020, you may have a better chance of getting a $1,400 payment.

Find savings to "make your own" stimulus check. Look for creative ways to save, to squeeze $1,400 out of your budget. For example, cancel streaming services and any other monthly subscriptions you're not using. Turn a hobby or your special skills and talents into a side hustle, to bring in extra income. And, download a free browser add-on that will automatically hunt for better prices and coupons whenever you shop online.

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