Why your employer might be taking away some much-loved benefits very soon

The start of the end may be near for what appeared to be an employee’s job market, which sprouted during the Covid-19 pandemic, as employers are starting to turn the tables by cutting back on competitive benefits for employees. Benefits such as phone discounts, gym memberships, 401K plans, dental insurance, transportation assistance, etc., which once were used as incentives to attract job applicants, have been getting the boot this year as employers battle higher costs due to high inflation and interest rates, according to a new Glassdoor analysis.Related: Amazon’s remote employees now risk getting the boot “These declines have, for the most part, been more pronounced in industries that experienced turmoil in 2023, such as tech and finance,” the analysis read. During the pandemic, the job market was an employee's playground. Employees abandoned their current jobs in search of ones that better supported their needs during a tough economy, which left employers desperate to fill numerous open positions. In 2020, one in five employees voluntarily changed employers, according to a 2021 IBM survey. Amid the rise of remote work culture, 32% of the people surveyed said that they changed jobs for work location flexibility. Also, about 1 in 4 people surveyed said they changed jobs because they wanted better benefits and support for their wellbeing, and were also in search of a salary increase or promotion. The shifting job market has caused companies to roll out competitive benefits to retain and attract talent. A 2021 care.com survey, which polled 500 human resource and CR-suite leaders, found 98% of the respondents planned to newly offer or expand at least one benefit in the near future. Some of those benefits included health and dental insurance, home office stipends, retirement plans, fitness discounts etc. As the job market is starting to cool with fewer job openings and a slower employee turnover rate, it is no surprise that employers are starting to cut back on benefits as costs to retain employees have increased over the year, and the pressure of a tight economy is started to weigh heavy. According to new U.S Bureau of Labor statistics, compensation costs for civilian workers rose by 4.3% in September this year compared to the same month last year. Also, wages and salaries increased by 4.6%, and benefit costs rose 4.1% over the year as well. Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
Read more...

*PROFARMY =?UTF-8?B?0JrRg9C/0LjRgtGMIC0g0KTQvtGA0LzQsCDQvtC00LXQttC00Ys=?=*

Компания PROFARMY является динамично развивающейся организацией в сфере военного обмундирования и снаряжения вот уже более 9 лет.via forma full 5 https://ift.tt/VWphYAB Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3579505.html)

PROFARMY =?UTF-8?B?0JrRg9C/0LjRgtGMIC0g0KTQvtGA0LzQsCDQvtC00LXQttC00Ys=?=

Компания PROFARMY является динамично развивающейся организацией в сфере военного обмундирования и снаряжения вот уже более 9 лет.via forma full 5 https://ift.tt/VWphYAB Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...

*Звания в армии СССР*

Весь период существования СССР можно по различным эпохальным событиям делить на несколько этапов. Как правило, перемены в политической жизни государства ведут к ряду...via forma full 5 https://ift.tt/gQlEDwN Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3579029.html)

Звания в армии СССР

Весь период существования СССР можно по различным эпохальным событиям делить на несколько этапов. Как правило, перемены в политической жизни государства ведут к ряду...via forma full 5 https://ift.tt/gQlEDwN Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...

*«Слово пацана. Кровь на асфальте» — сериал-аттракцион о жизни казанских группировок*

Понравится тем, кто скучает по 80-м и уличной романтике.
[Read more...](https://lifehacker.ru/slovo-pacana-serial/)

*Sephora will no longer let you buy perfume directly from its shelves*

Sephora (LVMUY) - Get Free Report is fighting back in the war against retail theft. The beauty retail giant has decided to remove all of its fragrances from its shelves and replace them with tester bottles where customers can instead sample scents. If a customer wants to buy the actual fragrance, they will have to alert a staff member to retrieve it for them as opposed to reaching for the unopened box of the fragrance on the shelf themselves, which they were allowed to do in the past. The store said that fragrances are among the list of top stolen items from its stores, according to CNN. The company also revealed that it began to beef up on “loss prevention investigators” to roam its stores to help combat retail theft.Related: Target CEO has surprising words on retail theft “The safety and security of our employees and customers is our top priority,” Sephora said in a statement to CNN. “To minimize the threats of retail theft and to provide our shoppers with the peace of mind during their experience at Sephora, we’ve increased the presence of Sephora loss prevention investigators across all stores. With that, out of an abundance of caution, Sephora only displays fragrance testers in-stores.” Retail theft has been on the rise nationwide, and retailers are taking drastic measures to combat the trend that resulted in industry losses of roughly $112 billion last year, according to the National Retail Federation. For example, stores such as Kroger and Woolworths have tested the use of artificial intelligence in their self-checkout systems (often the source of many shoplifting instances) which use cameras to catch and alert customers who scan items incorrectly. Walmart has resorted to removing some of its self-checkout machines from its stores, while Costco has beefed up staff oversight in self-checkout areas. Target even closed nine of its stores across four different states last month due to retail theft, citing that shoplifting was posing a risk to the safety of its employees. It seems like Sephora has taken a page out of CVS and Walgreens’ book as both pharmacies have also increased the amount of items that are under lock and key in their stores in order to tackle shoplifting. Retailers locking up items from customers can be beneficial for curbing retail theft, but it can also have unintended consequences. A survey from The Harris Poll and Verkada, which questions over 2,000 adults in the U.S., found that 71% of shoppers are less likely to make purchases at stores that have anti-theft measures put in place such as locked cabinets or shelves, security guards, gated exits and checkout lanes and limited operating hours. Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
[Read more...](https://www.thestreet.com/retail/sephora-has-revoked-a-privilege-that-customers-once-loved)

Sephora will no longer let you buy perfume directly from its shelves

Sephora (LVMUY) - Get Free Report is fighting back in the war against retail theft. The beauty retail giant has decided to remove all of its fragrances from its shelves and replace them with tester bottles where customers can instead sample scents. If a customer wants to buy the actual fragrance, they will have to alert a staff member to retrieve it for them as opposed to reaching for the unopened box of the fragrance on the shelf themselves, which they were allowed to do in the past. The store said that fragrances are among the list of top stolen items from its stores, according to CNN. The company also revealed that it began to beef up on “loss prevention investigators” to roam its stores to help combat retail theft.Related: Target CEO has surprising words on retail theft “The safety and security of our employees and customers is our top priority,” Sephora said in a statement to CNN. “To minimize the threats of retail theft and to provide our shoppers with the peace of mind during their experience at Sephora, we’ve increased the presence of Sephora loss prevention investigators across all stores. With that, out of an abundance of caution, Sephora only displays fragrance testers in-stores.” Retail theft has been on the rise nationwide, and retailers are taking drastic measures to combat the trend that resulted in industry losses of roughly $112 billion last year, according to the National Retail Federation. For example, stores such as Kroger and Woolworths have tested the use of artificial intelligence in their self-checkout systems (often the source of many shoplifting instances) which use cameras to catch and alert customers who scan items incorrectly. Walmart has resorted to removing some of its self-checkout machines from its stores, while Costco has beefed up staff oversight in self-checkout areas. Target even closed nine of its stores across four different states last month due to retail theft, citing that shoplifting was posing a risk to the safety of its employees. It seems like Sephora has taken a page out of CVS and Walgreens’ book as both pharmacies have also increased the amount of items that are under lock and key in their stores in order to tackle shoplifting. Retailers locking up items from customers can be beneficial for curbing retail theft, but it can also have unintended consequences. A survey from The Harris Poll and Verkada, which questions over 2,000 adults in the U.S., found that 71% of shoppers are less likely to make purchases at stores that have anti-theft measures put in place such as locked cabinets or shelves, security guards, gated exits and checkout lanes and limited operating hours. Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
Read more...

*Amazon sends an important warning to shoppers ahead of Black Friday sales*

Amazon is telling its shoppers to be wary of scams ahead of the major Thanksgiving shopping weekend. The retailer said that there has been an uptick scams so far in the second half of 2023 that can happen through text, call, or email. This year alone, the company has shutdown 45,000 phishing websites and 15,000 phone numbers that scammers have used to trick customers.Related: Amazon makes an exciting addition that will benefit many Americans The company said there are two particular scams that are prevalent. The first is when scammers pose as customer representatives and tell customers that their account may be suspended if they don't update specific information, which includes log-in and payment information. The second scam is when scammers ask customers to confirm or cancel an order they likely did not place. In order to cancel the order, the scammer will ask customers to provide similar payment information. The scammers are able to trick customers by sending emails appearing like Amazon through the placement of Amazon logos and branding details. Related: Amazon leaked documents show an exciting change is on the way "A big red flag is when they start to ask for money or payment information over the phone or by email," Amazon's director of worldwide buyer risk prevention Scott Knapp told CBS Watch. "That's something we would never do. We'd never ask for that." Amazon also asks that any customers who have been scammed or have seen a scam report it to them through the website. Knapp said those who have been scammed shouldn't feel embarrassed, no matter how old they are, because "some of the smartest people in the world" can fall for scams. Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
[Read more...](https://www.thestreet.com/retailers/amazon-important-warning-ahead-black-friday-sale)

Amazon sends an important warning to shoppers ahead of Black Friday sales

Amazon is telling its shoppers to be wary of scams ahead of the major Thanksgiving shopping weekend. The retailer said that there has been an uptick scams so far in the second half of 2023 that can happen through text, call, or email. This year alone, the company has shutdown 45,000 phishing websites and 15,000 phone numbers that scammers have used to trick customers.Related: Amazon makes an exciting addition that will benefit many Americans The company said there are two particular scams that are prevalent. The first is when scammers pose as customer representatives and tell customers that their account may be suspended if they don't update specific information, which includes log-in and payment information. The second scam is when scammers ask customers to confirm or cancel an order they likely did not place. In order to cancel the order, the scammer will ask customers to provide similar payment information. The scammers are able to trick customers by sending emails appearing like Amazon through the placement of Amazon logos and branding details. Related: Amazon leaked documents show an exciting change is on the way "A big red flag is when they start to ask for money or payment information over the phone or by email," Amazon's director of worldwide buyer risk prevention Scott Knapp told CBS Watch. "That's something we would never do. We'd never ask for that." Amazon also asks that any customers who have been scammed or have seen a scam report it to them through the website. Knapp said those who have been scammed shouldn't feel embarrassed, no matter how old they are, because "some of the smartest people in the world" can fall for scams. Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
Read more...

*Приложение «Google Фото» научилось наводить порядок в галерее с помощью ИИ*

Нейросеть группирует похожие снимки, распределяет скриншоты по категориям и даже добавляет в календарь даты билетов с фото.
[Read more...](https://lifehacker.ru/bb-d-google-foto/)

*GM, UAW agree to labor peace after close vote*

General Motors has come to an agreement with the United Auto Workers union on a record contract that was in danger of falling apart due to lack of support. But in the end, more than 53% of GM's UAW employees voted in favor of the deal. Reaching an agreement was far from an assured thing as the majority of GM's large assembly plants actually voted against ratifying the labor agreement, but heavy voting in favor of the deal at its smaller plants was more than enough to offset the imbalance. Related: Another legacy automaker has a powerful response to UAW auto union threat For example, the company's Flint Truck plant in Michigan saw 53% of its 3,220 employees vote against ratifying the deal. About 63% of the 1,450 union members at the Lansing Delta Assembly plant in Texas also voted against the deal. But results like the 98% yes votes among the nearly 200 union workers at the Brownstown Battery plant in Michigan and the more than 70% yes votes at the Flint Otterburn plant in Michigan were enough to turn the tide. Similar contract votes are also ongoing at GM rivals Ford Motor (F) - Get Free Report and Stellantis (STLA) - Get Free Report, but industry watchers expect those votes to be less contentious with about two-thirds of unionized workers at each automaker voting in favor of a deal. Part of the reason for the disparate voting outcomes at GM is the demographics of the company's workforce. GM has the highest number of traditional workers — as opposed to temporary workers — among the Big 3, CNBC reported. So those workers want what UAW President Shawn Fain has promised in the past: a 32-hour workweek and better retirement benefits. Seven of GM's 11 assembly plants rejected the deal early Wednesday morning, placing the 'yes' outcome firmly in doubt. The new contracts at each of the Big Three automakers prominently feature 25% wage increases, down from the 40% increases the union was initially demanding. The contracts also grant workers cost-of-living adjustments, larger retirement contributions and better benefits, among other protections. The worker strikes that had lasted for more than a month came to an end after the union and the automakers came to tentative agreements on a deal and the votes are the final step in a process to usher in at least 4-1/2 years of labor peace. Get investment guidance from trusted portfolio managers without the management fees. Sign up for Action Alerts PLUS now.
[Read more...](https://www.thestreet.com/automotive/gm-uaw-agree-to-labor-peace-after-close-vote)

GM, UAW agree to labor peace after close vote

General Motors has come to an agreement with the United Auto Workers union on a record contract that was in danger of falling apart due to lack of support. But in the end, more than 53% of GM's UAW employees voted in favor of the deal. Reaching an agreement was far from an assured thing as the majority of GM's large assembly plants actually voted against ratifying the labor agreement, but heavy voting in favor of the deal at its smaller plants was more than enough to offset the imbalance. Related: Another legacy automaker has a powerful response to UAW auto union threat For example, the company's Flint Truck plant in Michigan saw 53% of its 3,220 employees vote against ratifying the deal. About 63% of the 1,450 union members at the Lansing Delta Assembly plant in Texas also voted against the deal. But results like the 98% yes votes among the nearly 200 union workers at the Brownstown Battery plant in Michigan and the more than 70% yes votes at the Flint Otterburn plant in Michigan were enough to turn the tide. Similar contract votes are also ongoing at GM rivals Ford Motor (F) - Get Free Report and Stellantis (STLA) - Get Free Report, but industry watchers expect those votes to be less contentious with about two-thirds of unionized workers at each automaker voting in favor of a deal. Part of the reason for the disparate voting outcomes at GM is the demographics of the company's workforce. GM has the highest number of traditional workers — as opposed to temporary workers — among the Big 3, CNBC reported. So those workers want what UAW President Shawn Fain has promised in the past: a 32-hour workweek and better retirement benefits. Seven of GM's 11 assembly plants rejected the deal early Wednesday morning, placing the 'yes' outcome firmly in doubt. The new contracts at each of the Big Three automakers prominently feature 25% wage increases, down from the 40% increases the union was initially demanding. The contracts also grant workers cost-of-living adjustments, larger retirement contributions and better benefits, among other protections. The worker strikes that had lasted for more than a month came to an end after the union and the automakers came to tentative agreements on a deal and the votes are the final step in a process to usher in at least 4-1/2 years of labor peace. Get investment guidance from trusted portfolio managers without the management fees. Sign up for Action Alerts PLUS now.
Read more...

*The Best Places to Score a Sofa for a Steal on Black Friday*

It's the best time of the year to save big on major purchases. READ MORE...
[Read more...](https://www.apartmenttherapy.com/best-black-friday-cyber-monday-sofa-deals-2023-37341556?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

*Goldman Sachs predicts these 7 stocks will lead the way in 2024*

The “Magnificent Seven” stocks have led the market this year: Alphabet (GOOGL) - Get Free Report, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla. “I think they will remain leaders next year,” said David Kostin, chief U.S. equity strategist at Goldman Sachs. “They have much faster revenue and earnings growth, stronger balance sheets, much greater cash reinvestment and higher margins than others.” Experts are turning more bullish on the economy and the stock market for next year amid a widespread belief that the Federal Reserve has finished raising interest rates. Goldman is a case in point. The economy has achieved “remarkable feats” this year, with a “very strong” labor market and a substantial decline in inflation, Jan Hatzius, Goldman’s chief economist, said in a webinar. That has enabled the economy to withstand the Fed tightening. The unemployment rate was 3.9% in October. Consumer prices rose 3.2% in the 12 months through October, and the Fed has boosted interest rates by 5.25 percentage points since March 2022. Temporary imbalances of supply and demand during the covid pandemic have “normalized, allowing inflation to come down, with GDP growth at an OK pace,” Hatzius said. He expects economic growth of 2.4% for 2023 as a whole.Similar economic growth in '24: Goldman And you can expect “more of the same” next year, with GDP growth of 2.1%, about 1 percentage point above the consensus forecast, Hatzius said. Again unemployment won’t rise much, and inflation will slide to a range of 2% to 2.5% by year-end 2024, he predicted. Hatzius says that Federal Reserve rate increases are over and that the central bank will shift to “gradual cuts in 2024, probably not until the second half of the year.” The Fed will begin the reductions in the fourth quarter, Hatzius forecast. The next most likely scenario is earlier rate cuts, which could happen if inflation falls faster to the Fed’s 2% target, or if the economy drops into recession, he said. Hatzius puts the chance of recession at 15% in the next 12 months. As for the stock market, it has “moderate upside potential” next year, said strategist Kostin. He predicted the S&P 500 will end next year at 4,700, up about 5% from current levels.‘Modest’ corporate-earnings increase: Goldman He anticipates a “modest increase” in earnings growth: 5% in 2024 and 2025. Profit margins have stabilized and won’t expand much during that period, Kostin said. Looking at valuations, the strategist said the S&P 500 is now trading at 18 times earnings, but on an equal-weighted value it’s only 14 times. The S&P 500 weights companies according to the size of their market capitalizations. Regarding stock-selection strategies, Kostin’s “highest-conviction” recommendation is quality stocks. “Quality will likely do well in this environment, where investors aren’t necessarily convinced that economic growth will continue,” he said. Quality stocks are those with strong fundamentals. Growth stocks also are a possibility, Hatzius said. “When earnings growth is modest, the market has rewarded companies growing at a faster pace.” Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
[Read more...](https://www.thestreet.com/stocks/goldman-sachs-predicts-these-7-stocks-will-lead-the-way-in-2024)

Goldman Sachs predicts these 7 stocks will lead the way in 2024

The “Magnificent Seven” stocks have led the market this year: Alphabet (GOOGL) - Get Free Report, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla. “I think they will remain leaders next year,” said David Kostin, chief U.S. equity strategist at Goldman Sachs. “They have much faster revenue and earnings growth, stronger balance sheets, much greater cash reinvestment and higher margins than others.” Experts are turning more bullish on the economy and the stock market for next year amid a widespread belief that the Federal Reserve has finished raising interest rates. Goldman is a case in point. The economy has achieved “remarkable feats” this year, with a “very strong” labor market and a substantial decline in inflation, Jan Hatzius, Goldman’s chief economist, said in a webinar. That has enabled the economy to withstand the Fed tightening. The unemployment rate was 3.9% in October. Consumer prices rose 3.2% in the 12 months through October, and the Fed has boosted interest rates by 5.25 percentage points since March 2022. Temporary imbalances of supply and demand during the covid pandemic have “normalized, allowing inflation to come down, with GDP growth at an OK pace,” Hatzius said. He expects economic growth of 2.4% for 2023 as a whole.Similar economic growth in '24: Goldman And you can expect “more of the same” next year, with GDP growth of 2.1%, about 1 percentage point above the consensus forecast, Hatzius said. Again unemployment won’t rise much, and inflation will slide to a range of 2% to 2.5% by year-end 2024, he predicted. Hatzius says that Federal Reserve rate increases are over and that the central bank will shift to “gradual cuts in 2024, probably not until the second half of the year.” The Fed will begin the reductions in the fourth quarter, Hatzius forecast. The next most likely scenario is earlier rate cuts, which could happen if inflation falls faster to the Fed’s 2% target, or if the economy drops into recession, he said. Hatzius puts the chance of recession at 15% in the next 12 months. As for the stock market, it has “moderate upside potential” next year, said strategist Kostin. He predicted the S&P 500 will end next year at 4,700, up about 5% from current levels.‘Modest’ corporate-earnings increase: Goldman He anticipates a “modest increase” in earnings growth: 5% in 2024 and 2025. Profit margins have stabilized and won’t expand much during that period, Kostin said. Looking at valuations, the strategist said the S&P 500 is now trading at 18 times earnings, but on an equal-weighted value it’s only 14 times. The S&P 500 weights companies according to the size of their market capitalizations. Regarding stock-selection strategies, Kostin’s “highest-conviction” recommendation is quality stocks. “Quality will likely do well in this environment, where investors aren’t necessarily convinced that economic growth will continue,” he said. Quality stocks are those with strong fundamentals. Growth stocks also are a possibility, Hatzius said. “When earnings growth is modest, the market has rewarded companies growing at a faster pace.” Get exclusive access to portfolio managers and their proven investing strategies with Real Money Pro. Get started now.
Read more...

*Форменная одежда ВКС*

1 августа 2015 года был создан новый род войск, который получил название воздушно-космические силы, для этого были объединены военно-воздушные силы и войска...via forma full 5 https://ift.tt/wqe2sLK Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3578220.html)

Форменная одежда ВКС

1 августа 2015 года был создан новый род войск, который получил название воздушно-космические силы, для этого были объединены военно-воздушные силы и войска...via forma full 5 https://ift.tt/wqe2sLK Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...

*Подошвы кроссовок*

Фитнес, бег, командные виды спорта, паркур, занятия в зале и на улице требуют определенного типа подошвы спортивной обуви. Например, баскетбольные кроссовки для улицы имеют протектор в виде елочки , иначе игрок будет ...via forma full 5 https://ift.tt/x2XcPMn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3580841.html)

Подошвы кроссовок

Фитнес, бег, командные виды спорта, паркур, занятия в зале и на улице требуют определенного типа подошвы спортивной обуви. Например, баскетбольные кроссовки для улицы имеют протектор в виде елочки , иначе игрок будет ...via forma full 5 https://ift.tt/x2XcPMn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...