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SEISS warning: Self-employed fear ‘freedom day’ as support deadlines near – why?

SEISS warning: Self-employed fear 'freedom day' as support deadlines near - why?

Self-employed workers were among the hardest hit by coronavirus but despite this, new research showed many freelancers and SMEs are concerned about the economy reopening from tomorrow. From July 19, dubbed by many to be “freedom day”, the majority of lockdown restrictions will be eased and this prospect is creating unease among many workers.

Recently, Simply Business, the small business insurance provider, surveyed 936 small business owners from across the UK.

The results of this survey highlighted “mixed feelings” for freedom day among SMEs and the self-employed.

Over half (53 percent) of those polled believe social distancing restrictions are being lifted too soon and risk another lockdown.

The concern is so great, almost one in three (30 percent) small business owners will retain social distancing and reduced capacity within their businesses.

READ MORE: SEISS alert: Claimants ‘are confused’ about how grants impact returns

Alan Thomas, the UK CEO at Simply Business, commented on these results.

Mr Thomas said: “No business, big or small, has been able to escape the impact of the Covid-19 pandemic. Sixteen months of restrictions, lockdowns, and uncertainty were always likely to take their toll.

“But the scale of the impact felt by the self-employed is abundantly clear from our latest research which shows Covid-19 will cost SMEs an estimated £126.6billion – double what owners predicted it would cost them when asked a year ago.

“Small business owners’ hopes for freedom day are at risk of turning to fears, with over half of SMEs saying restrictions are being lifted too soon.

“Given the rising number of cases, it comes as no surprise that there are strong calls for clearer guidance on how to safely manage a full reopening of businesses.

“Small business owners need clear, consistent guidelines but the onus on personal responsibility breeds confusion.

“SMEs aren’t public health experts with the ability to gauge the threat of a disease.

“SMEs account for over 99 percent of all British businesses and contribute £2trillion to our economy every year. They’ve been among the hardest hit by Covid-19 lockdowns and will prove central to our collective economic recovery.

“With one in 10 small business owners not confident in resuming trading after 19 July, it’s vital that we support small businesses through this latest – and possibly confusing – period of recovery from the pandemic.”

While it remains to be seen how businesses cope following freedom day, it should be remembered self-employed workers can continue to receive support through SEISS until the Autumn.

SEISS claims for the fifth set of grants can be made from late July onwards.

Support from SEISS will be available until September 30, 2021.

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This post originally posted here Daily Express :: Finance Feed

‘I’m so angry’ Naga Munchetty near swearing as she fumes over Rashford mural being defaced

'I'm so angry' Naga Munchetty near swearing as she fumes over Rashford mural being defaced

Naga Munchetty, 46, shared her anger with her Radio 5 Live listeners on Monday morning, after England’s Euro 2020 loss sparked violence and outrage among fans. Videos began to emerge of thugs attacking fans while others spouted horrendous abuse online towards the players, including racist remarks to Marcus Rashford, Jadon Sancho & Bukayo Saka, who missed penalties in Sunday night’s 3-2 shoot-out. Raheem Sterling was also a target.

Millions have shared their disgust over the racist remarks, with Prime Minister Boris Johnson blasting the despicable behaviour and telling those who have partaken in the torrid of abuse to “crawl back under the rock from which you emerged”.

A mural of Rashford, which was commissioned in recognition of his work to tackle child food poverty, was also vandalised with graffiti following England’s defeat to Italy.

The artwork in Withington, Manchester, was defaced shortly after the match had finished, with several swear words and the word “Saka” scribbled across part of his face.

READ MORE: Naga Munchetty and Jon Kay threaten to leave BBC Breakfast studio

“For some of [the players] to be abused is unforgivable really,” he said.

“I know a lot has come from abroad. People who track those things have been able to explain that. But not all of it.”

He added: “It’s just not what we stand for.”

“We have been a beacon of light in bringing people together in people being able to relate to the national team, and the national team stands for everybody and so that togetherness has to continue,” he continued.

“We heal together as a team now, and we’re there for them, and I know that 99% of the public will be as well.”

Temperatures near a Western Canada beach topped 125 degrees, causing a massive marine life die-off

Christopher Harley, a professor in the zoology department at The University of British Columbia, found countless dead mussels popped open and rotting in their shells on Sunday at Kitsilano Beach, which is a few blocks away from his Vancouver home.
Harley studies the effects of climate change on the ecology of rocky shores where clams, mussels and sea stars live, so he wanted to see how the intertidal invertebrates were faring in the record heat wave that hit the area on June 26-28.
Christopher Harley estimates that a billion mussels, clams and other animals may have died from the heat.
“I could smell that beach before I got to it, because there was already a lot of dead animals from the previous day, which was not the hottest of three,” he said. “I started having a look around just on my local beach and thought, ‘Oh, this, this can’t be good.'”
The next day, Harley and one of his students went to Lighthouse Park in West Vancouver, which he has been visiting for more than 12 years.
“It was a catastrophe over there,” he said. “There’s a really extensive mussel bed that coats the shore and most of those animals had died.”

Unprecedented heat

Mussels attach themselves to rocks and other surfaces and are used to being exposed to the air and sunlight during low tide, Harley said, but they generally can’t survive temperatures over 100 degrees for very long.
Temperatures in downtown Vancouver were 98.6 degrees on June 26, 99.5 on the 27th and 101.5 on the 28th.
It was even hotter on the beach.
Harley and his student used a FLIR thermal imaging camera that found surface temperatures topping 125 degrees.
At this time of the year, low tide hits at the hottest part of the day in the area, so the animals can’t make it until the tide comes back in, he said.
Climate scientists called the heat wave in British Columbia and the Pacific Northwest in the United States “unprecedented” and warned that climate change would make these events more frequent and intense.
“We saw heat records over the weekend only to be broken again the next day,” Kristina Dahl, a senior climate scientist at the Union of Concerned Scientists, told CNN, “particularly for a part of the country where this type of heat does not happen very often.”
An analysis by more than two dozen scientists at World Weather Attribution found that the heat wave “would have been virtually impossible without the influence of human-caused climate change.”
It was also incredibly dangerous.
There were 719 deaths reported to the province’s coroners between June 25 and July 1 — three times as many as would normally occur during that time period, according to a statement from Lisa Lapointe, British Columbia’s chief coroner. Hundreds of people died in the US and many had to be hospitalized because of the heat.

A billion animals may have died

Harley said the heat may have killed as many as a billion mussels and other sea creatures in the Salish Sea, which includes the Strait of Georgia, the Puget Sound, and the Strait of Juan de Fuca, but he said that was a very preliminary estimate.
He said that 50 to 100 mussels could live in a spot the size of the palm of your hand and that several thousand could fit in an area the size of a kitchen stovetop.
“There’s 4,000-some miles of shoreline in the Salish Sea, so when you start to scale up from what we’re seeing locally to what we’re expecting, based on what we know where mussels live, you get to some very big numbers very quickly,” he said. “Then you start adding in all the other species, some of which are even more abundant.”
He said he’s worried that these sorts of events seem to be happening more often.
Brian Helmuth, a marine biology professor at Northeastern University, said that mussel beds, like coral reefs, serve as an early warning system for the health of the oceans.
“When we see mussel beds disappearing, they’re the main structuring species, so they’re almost like the trees in the forest that are providing a habitat for other species, so it’s really obvious when a mussel bed disappears,” he said. “When we start seeing die-offs of other smaller animals, because they’re moving around, because they’re not so dense, It’s not quite as obvious.”
He said the death of a mussel bed can cause “a cascading effect” on other species.
Both scientists said they were concerned that these heat waves were becoming more common and they weren’t sure whether the mussel beds would be able to recover.
“What worries me is that if you start getting heat waves like this, every 10 years instead of every 1,000 years or every five years, then it’s — myou’re getting hit too hard, too rapidly to actually ever recover,” Harley said. “And then the ecosystem is going to just look very, very different.”

Collapsed Building Near Miami Had Serious Concrete Damage

Collapsed Building Near Miami Had Serious Concrete Damage

Three years before the deadly collapse of the Champlain Towers South condominium complex near Miami, a consultant found alarming evidence of “major structural damage” to the concrete slab below the pool deck and “abundant” cracking and crumbling of the columns, beams and walls of the parking garage under the 13-story building.

The engineer’s report helped shape plans for a multimillion-dollar repair project that was set to get underway soon — more than two and a half years after the building managers were warned — but the building suffered a catastrophic collapse in the middle of the night on Thursday, crushing sleeping residents in a massive heap of debris.

The complex’s management association had disclosed some of the problems in the wake of the collapse, but it was not until city officials released the 2018 report late Friday that the full nature of the concrete and rebar damage — most of it probably caused by years of exposure to the corrosive salt air along the South Florida coast — became chillingly apparent.

“Though some of this damage is minor, most of the concrete deterioration needs to be repaired in a timely fashion,” the consultant, Frank Morabito, wrote about damage near the base of the structure as part of his October 2018 report on the 40-year-old building in Surfside, Fla. He gave no indication that the structure was at risk of collapse, though he noted that the needed repairs would be aimed at “maintaining the structural integrity” of the building and its 136 units.

Mayor Charles W. Burkett of Surfside said on Saturday morning that the town had received the report by email in 2018 — he was not sure who was the recipient — but he did not know what, if any, steps were taken to examine the problems further.

“Of course there should have been follow up,” he said. “And I don’t know that there wasn’t. I think we need to understand exactly what happened at that time.”

Mayor Daniella Levine Cava of Miami-Dade County said officials there knew nothing of the 2018 report. On Saturday, she announced a 30-day audit of all buildings 40 years and older under the county’s jurisdiction, and she urged cities to do the same for buildings within their borders.

“We want to make sure that every building has completed their recertification process,” she said. “And we want to make sure to move quickly to remediate any issues that may have been identified in that process.”

The condominium complex had been preparing for the recertification that state law requires of similar buildings in the area that have reached 40 years of age, and was on notice that it needed to complete the repairs in order to pass inspection.

But solving the problem of water leaking down from the pool area into the garage was going to involve major work and cost millions of dollars. Brad Sohn, a lawyer representing at least one resident who has filed a lawsuit against the Champlain Towers South Condominium Association, said on Saturday that residents were facing assessments ranging from $ 80,000 to as high as $ 200,000.

Mr. Sohn said he was still trying to understand why repairs had not begun immediately after the 2018 report outlining the major problems with the building.

“There is no acceptable answer to that question — period, full stop,” he said.

Kenneth S. Direktor, a lawyer who represents the resident-led association that operates the building, said this week that the repairs had been set to commence, based on extensive plans drawn up this year. Documents released by the city include 84 pages of detailed schematics and repair plans, dated from two months ago.

“They were just about to get started on it,” he said in an interview, adding that the process would have been handled much differently if owners had had any indication that the corrosion and crumbling — mild instances of which are relatively common in many coastal buildings — were a serious threat. He did not return messages seeking comment Saturday.

Eliana Salzhauer, a Surfside commissioner, said that while the cause of the collapse was unknown, it appeared to her that the problems identified by the engineer in the 2018 report could have contributed to the structural failure.

“It’s upsetting to see these documents because the condo board was clearly made aware that there were issues,” Ms. Salzhauer said. “And it seems from the documents that the issues were not addressed.”

Investigators have yet to identify the cause and are still awaiting full access to a site where rescue crews have been urgently sifting through an unstable pile of debris for possible survivors.

On Saturday, local officials said they had not given up hope of finding live victims beneath the rubble but acknowledged the difficulty of their task. A fire was burning below the debris of the collapsed building, sending smoke billowing into the air, complicating the search. Rescuers said they were not hearing any signs of life, and 159 people remained missing.

Experts said that the process of assessing what ultimately caused the building’s structure to fail could take months, involving a review of individual building components that may now be buried in debris, the testing of concrete to assess its integrity and an examination of the earth below to see if a sinkhole or other subsidence was responsible for the collapse.

The building was just entering a recertification process — a requirement for such 40-year-old structures that have endured the punishment of coastal Florida’s hurricanes, storm surges and the corrosive salty air that can penetrate concrete and rust the rebar and steel beams inside.

The 40-year requirement was put in place after a previous building collapse in Miami, in 1974, that killed seven people. The Drug Enforcement Agency, which operated in the building, said officials later determined that the resurfacing of a parking lot on the roof of the building, combined with salt, had weakened the supporting steel structure of the building.

Mr. Morabito, who declined to comment this week, wrote in the 2018 report that the goal of his study was to understand and document the extent of structural issues that would require repair or remediation.

“These documents will enable the Condominium Board to adequately assess the overall condition of the building, notify tenants on how they may be affected, and provide a safe and functional infrastructure for the future,” he wrote.

At the ground level of the complex, vehicles can drive in next to a pool deck where residents would lounge in the sun. Mr. Morabito in 2018 said that the waterproofing below the pool deck and entrance drive was failing, “causing major structural damage to the concrete structural slab below these areas.”

The report added that “failure to replace the waterproofing in the near future will cause the extent of the concrete deterioration to expand exponentially.” The problem, he said, was that the waterproofing was laid on a concrete slab that was flat, not sloped in a way that would allow water to run off, an issue he called a “major error” in the original design. The replacement would be “extremely expensive,” he warned, and cause a major disturbance to residents.

In the parking garage, which largely sits at the bottom level of the building, part of it under the pool deck, Mr. Morabito said that there were signs of distress and fatigue.

“Abundant cracking and spalling of varying degrees was observed in the concrete columns, beams, and walls,” Mr. Morabito wrote. He included photos of cracks in the columns of the parking garage as well as concrete crumbling — a process engineers refer to as “spalling” — that exposed steel reinforcements on the garage deck.

Mr. Morabito noted that previous attempts to patch the concrete with epoxy were failing, resulting in more cracking and spalling. In one such spot, he said, “new cracks were radiating from the originally repaired cracks.”

The report also identified a host of other problems: Residents were complaining of water coming through their windows and balcony doors, and the concrete on many balconies also was deteriorating.

After watching a surveillance video showing the collapse of the building, Evan Bentz, a professor at the University of Toronto and an expert in structural concrete, said that whatever had caused the collapse would have to have been somewhere near the bottom of the building, perhaps around the parking level. Though he had not seen the 2018 report at the time, he said such a collapse could have several possible explanations, including a design mistake, a materials problem, a construction error or a maintenance error.

“I’d be surprised if there was just one cause,” Mr. Bentz said. “There would have to be multiple causes for it to have fallen like that.”

There have been other concerns raised about the complex over the years. One resident filed a lawsuit in 2015 alleging that poor maintenance had allowed water to enter her unit through cracks in an outside wall. Some residents expressed concern that blasting during construction at a neighboring complex had rattled their units.

Researchers analyzing space-based radar had also identified land that was sinking at the property in the 1990s. The 2020 study found subsidence in other areas of the region, but on the east side of the barrier island where Surfside is, the condo complex was the only place where the issue was detected.

Proposed in the late 1970s, the Champlain Towers South project had its architectural and structural designs completed in 1979, according to records. At the time, people were flocking to live and play in South Florida, and developers were looking to build larger complexes that could put people right at the beachfront.

A nearly identical companion property — Champlain Towers North — was built the same year, a few hundred yards up the beach. It was not immediately clear whether any of the issues raised by the engineer in the south project had also been found in the other buildings.

Surfside’s mayor, Charles W. Burkett, said on Friday that he was worried about the stability of the north building but did not feel “philosophically comfortable” ordering people to evacuate.

“I can’t tell you, I can’t assure you, that the building is safe,” he said at a town commission meeting.

The collapse has stunned industry experts in the Miami area, including John Pistorino, a consulting engineer who designed the 40-year reinspection program when he was consulting for the county in the 1970s.

He touted other regulations that have come since, including requirements that tall buildings have an independent engineer verify that construction is going according to plans.

Mr. Pistorino did not want to speculate on the cause of the collapse. But he said that while some buildings in the region have had quality problems, any serious deficiencies were unusual, and were typically easy to detect by way of glaring cracks or other visible problems.

“This is so out of the norm,” Mr. Pistorino said. “This is something I cannot fathom or understand what happened.”

James Glanz , Nicholas Bogel-Burroughs and Joseph B. Treaster contributed to this report.

Author: Mike Baker, Anjali Singhvi and Patricia Mazzei
This post originally appeared on NYT > Top Stories