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How public health policies helped women-owned businesses survive the pandemic.

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The COVID-19 crisis, as unprecedented as it was, is not unheard of in two fundamental ways. First, the pandemic adversely affected minorities as well as small businesses. It also exacerbated existing income inequalities. The second was the wide range and quality of responses to public policy issues across countries. For example, the policies of President Donald Trump in the United States, which downplayed health risks, contrast sharply with China’s strict containment measures. This exemplifies the wide global divergence in the public response to the pandemic.

These two main characteristics of the pandemic are they related? Yes. Our recently published paper covered the effect of public policies on gender-related differences and enterprise performance. We examined whether public policies that effectively reduced the performance gap between male and female-owned enterprises could be linked to a minor cross-country variation of economic and public health policy responses.

THE PANDEMIC HUT WOMEN-OWNED BRANDS MORE

Our first task was to determine if women-owned businesses outperformed men-owned companies during the pandemic’s peak (March 2020 – February 2021). There has been a lot of evidence that the labor market has harmed women entrepreneurs and workers since the pandemic. This study provides a systematic analysis of the performance differences between businesses that considered pre-pandemic performance variations. This analysis was based on monthly data from the World Bank’s COVID-19 Tracking Database. We combined this with the Enterprises Surveys Database to measure pre-pandemic performance. These datasets combined covered over 20,000 small and medium enterprises in 38 countries.

The results also showed that monthly sales growth during the pandemic decreased by three percentage points in women-owned businesses. This was since women-owned enterprises had fewer business closures than average firms, 17 percent more.

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These results shouldn’t be surprising, considering the unique tradeoffs that the pandemic created between economic risk and health. This phenomenon is known as the “life and livelihoods conundrum.” Given the differences in risk perceptions and work-life balances between men and women entrepreneurs, it was probably not surprising that women-owned businesses were more affected by the pandemic.

This is partly due to containment measures like stay-at-home orders or school/daycare closures that have increased ” unpaid ” home production. Homework, education, and child-care activities are all performed at home. In addition, the patterns of labor division, which assigned more domestic responsibilities to women, led to a blurring of the line between work and family. This resulted in women entrepreneurs taking on greater family responsibilities.

Another factor was that women entrepreneurs were more likely to emphasize economic risks than health risks. Large-scale surveys from many countries showed that while women perceived the pandemic more as a health risk, men suffered significantly higher morbidity or mortality from COVID-19. Our analysis revealed that the significant gender gap in performance could be explained by more outstanding familial obligations and increased sensitivity to health risks.

FEMALE-HEADED FIRMS ARE MORE IMPORTANT IN QUALITY PUBLIC POLICIES

Then, we tested whether policies in both economic support and public health helped reduce the gender gap in economic performance. The COVID-19 Government Response tracker, compiled by Oxford researchers, provided monthly data series that measured the strength of financial support and public health policies. After accounting for pre-pandemic performance gaps, we found that the gender gap in performance was significantly reduced by public health policies, such as contact tracing and testing.

Sound public health policies may help address the root problems that held back women entrepreneurs in the aftermath of the pandemic. For example, the containment policies that allowed schools to reopen and daycare centers to be reopened helped women entrepreneurs restore their work-life balance. This was a significant improvement over the situation for men. In addition, these policies can reduce gender gaps in risk perception, provide reliable and timely information on public health and extend access to essential services.

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Surprisingly we did not find any evidence that economic support policies had a more significant impact on the gender gap in business performance. Our measurements’ poor precision, which makes it difficult to track the amount of economic support given to the private sector, could explain this. The results could indicate that financial aid was less effective than public health policies to address the underlying issues of women entrepreneurs, given that they were compared with other measures. Recent studies have explored the possibility that economic support was not distributed in a favorable way to women and other socially disadvantaged groups.

GENDER IMPORTS IN BUSINESS – AND EVEN MORE IN BAD TIMES

Given the massive scope of the COVID-19 pandemic–and its potentially enduring repercussions–understanding the distributional implications is critical for informing future policy and practice. These robustness tests proved that our results were durable. They highlight the impact of the pandemic on women entrepreneurs and the importance of public health policies to reduce them. These results also emphasize the importance of systematically investigating the gendered effects of COVID-19 and the associated policy responses.

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Business

How people power drives climate-friendly business.

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Before, price and manufacturer could have been king when it came to consumer decisions. But spurred by the effects of weather modification, New Zealanders increasingly want to support climate-friendly corporations that are thinking sustainably and performing their bit to donate to a minimal carbon economy and Aotearoa New Zealand.

The study highlights this shift in thinking. Based on EECA’s (the Energy Efficiency and Conservation Authority) regular Consumer Monitor, 82 percent of New Zealanders want corporations to complete more to lessen their environmental impact. And while EECA’s Business Monitor says only 24 percent of corporations think their customers or companies are stimulating them to achieve more, the proven fact that acting on weather modification can provide an aggressive benefit does seem to be gaining ground. This isn’t precisely about the giant corporations, either. New Zealanders want SMEs to be sustainable corporations as well.

Help the planet by choosing businesses with sustainable packaging or bringing your own containers.

Auckland early childhood educator and mother-of-three Dorothy Lacey spends lots of time – and income – shopping on the internet for her family and adding items to her childcare center. As the effects of weather modification have increased, she has discovered himself wanting to see corporations prioritize their footprint.

“Oh, for certain, I look up a business and observe green it is before I get any such thing from them,” she says. “If they’re carbon-neutral or use compostable presentation or perhaps overall have a commitment to increasing things when it comes to the environment, they get my money. It starts to have quite simple to inform which are the great kinds and you then only begin encouraging them and don’t work with the others.”

The ability these customers hold is twofold. Firstly, they inspire buddies and family to follow their case by getting more carbon-conscious when it comes to purchases – EECA’s research indicates that force from buddies and family includes a better effect than a societal strain on the number of weather actions people take.

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Citizen Collective beer and bread.

As it pertains to corporations themselves, some do note that lowering energy use and taking a more climate-friendly approach is an intelligent organization’s decision future-proofing them from shifting consumer preferences.

Person Combined is one organization in front of the curve. The Auckland-based opportunity takes unsold supermarket bread and converts it into beer, and then uses the mash from the beer-brewing process to change it into bread.

“After the brew, we were left with this beautiful solution, and we decided there must be a method to use it,” says Add Founder, Person co-founder.

“We’re using less water, land, and energy to cultivate, harvest and dry the barley — that is very intense from a power perception — resulting in fewer emissions.

Customers can encourage businesses to be more climate friendly.

“We’ve also got some great opinions for the very reassuring beer,” says Shepherd. “We reckon we’re performing something worthwhile, but the products have to be excellent to work.”

New Zealanders can also straight inspire corporations to produce improvements to help minimize their energy use and carbon emissions. You will find a range of easy measures we could all follow to encourage corporations to go to the talk.

Taking a more climate-friendly approach is a smart business decision.

Use your effect

Showing the others what you’re performing differently in your living to support climate-friendly corporations is among the main things you can do – so ensure you reveal your finds and ideas, and chat, article and share. Given the energy of recommendations for weather action, we’re all influencers! Keep in mind this is focused on development and not excellence, and its key corporations’ sense is reinforced in (authentically) speaking about the measures they’re taking.

Election along with your budget

Where we invest, our income is the best way to exhibit consumer power. Once a business sees income and manufacturer commitment to being climate-friendly, the others can follow suit. Furthermore, a company not succeeding on an environmentally-friendly top might be incentivized to complete better.

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Customers can vote with their wallet and choose climate friendly businesses.

Knowledge is (green) power.

Be interested and stay educated about energy, emissions, and weather change.

Use the practical Manual to the Language of Environment Change on GenLess.govt.NZ to discover or ensure what the words and words about weather modification mean. It will help with speaking confidently about the difficulties with others.

Ask questions

Wondering to visit a business’s sustainability strategy or asking what they’re performing to lower their environmental influence can go a lengthy way. Only a few customers asking could be the impetus a business needs to begin with on the journey. Clients can see if a company has environmental accreditation, like the people offered by B Corp or Toitū Envirocare.

“I’ll inform my buddies and workmates about a business I came across that’s excellent green credentials,” says Lacey. “Frequently, they will be smaller operators and have been encouraged to me, so I then go and pass that info along to someone else.”

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What is Open Enrollment for Health Insurance?

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Health insurance is essential no matter what stage of your life. There are some exceptions to this rule, but most insurance policies require that you stay with the plan for an entire year. You can change your coverage and enroll in a new program during the annual open enrollment period. This is everything you need about open enrollment for your health insurance.

What is Open Enrollment?

Open enrollment is when you have the opportunity to change or select your health insurance plan. The timing of registration will vary depending on which method you are enrolling in,” said Anand Shukla (senior vice president, individual markets, Aetna), a CVS Health company.

The Medicare annual enrollment period, for instance, runs from October 15 to December 7. The Affordable Care Act (ACA), Marketplace/Exchange open enrollment period starts on November 1.

“If your employer offers health insurance, you may be eligible for an annual enrollment period. During this time, you can sign up or modify your coverage. Shukla says that it is essential to verify these dates with your employer.

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How to Maximize Open Entry Periods

Open enrollment can be accessed in many ways. First, find out when you are eligible. Koleen Cavanaugh (Vice President of Marketing at Independence Blue Cross in Philadelphia) says that your open enrollment period will depend on where and how you buy insurance.

Next, assess your lifestyle and Health. Kyu Rhee M.D. is Aetna’s senior vice president, chief medical officer, and chief medical officer. To help you do this, Kyu Rhee recommends asking the following questions:

  • Are you currently seeing a primary care doctor, or do you see any other medical specialists?
  • Which medications are you taking?
  • What diagnostic tests such as imaging or blood tests do you require?
  • Are you due to receive critical preventive screenings such as vaccinations or cancer screenings?
  • Do you have multiple chronic conditions?
  • Are you planning any procedures or surgeries?

After you have narrowed down what you want, you can start looking at coverage options. Dylan H. Roby, Associate Professor of Health, Society and Behavior, University of California, Irvine’s Program in Public Health, suggests that you look for a plan that suits your needs for the next year, both in terms of monthly premiums in terms of your health needs.

You can also talk to a trusted broker or licensed advisor in your locality to learn more about the available plans. Shukla says that many insurers offer seminars in their local communities, which provide information on programs and allow you to ask questions.

When choosing a plan, consider the four Ds: doctors, drugs, diagnostics, and deductibles. Dr. Rhee says that you should ensure your doctors are connected, that your medications are covered, and that critical diagnostic tests such as blood tests and imaging can be accessed. Also, make sure your deductible is affordable.

He also suggests that you consider hearing, vision, and dental coverage. It is ideal to have telehealth visits or virtual care included in your health plan. He says that your health plan is your ticket for staying and getting well.

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Open Enrollment Management for Different Types of Health Insurance

Roby recommends that you consider more than just the premiums when viewing the details of any health insurance plan. He says that deductibles and copayments are significant, including coinsurance, coinsurance, and out-of-pocket limits.

These are additional tips for maximizing your open enrollment period based on your insurance plan.

ACA

The Advance Premium Tax Credit (APTC) is available to anyone who decides on an ACA Marketplace plan. Open enrollment starts on November 1. Shukla says that APTC can be a significant reduction in the premium you pay for insurance coverage, depending on your household income.

Roby adds that reviewing your options at each open enrollment period is wise as the tax credits or subsidies you have may be affected by changes in your local health insurance plans and policies.

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Nearly 90% of the consumers who used HealthCare.gov to get their health insurance received the APTC during the 2021 open enrollment period. The average APTC amount for eligible recipients was 85% of their premiums during the 2020 and 2021 available enrollment periods.

Medicare

According to Carrie Jardine (a revenue cycle manager at Heading Health in Austin), Medicare health insurance’s initial open enrollment period covers seven months. Heading Health is a mental health clinic. It starts three months before your eligibility for Medicare, generally when you turn 65. It continues until your birthday month and ends three months later.

However, the Medicare annual enrollment period runs from October 15 to December 7. Jardine says that you can either stay on the standard Medicare plan or choose to enroll in a Medicare Advantage plan through one of many commercial payers.

Employer-sponsored insurance

Jardine explains that if you get health insurance through your employer, the initial open enrollment period is when you are eligible to enroll with the employer’s insurance carrier. This is usually determined at the discretion of the employer.

An annual open enrollment period may be offered by your employer, in which employees can choose another plan. However, this is not an obligation for all companies.

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Roby says it might be good to join a low-cost, high-deductible plan, significantly if your employer contributes money to your health savings account.

What if I want to make changes outside of open enrollment?

You can’t make any changes to your coverage options after the open enrollment period. This is only possible if you are eligible for a particular enrollment period due to a qualifying life event such as a birth, marriage or adoption, loss of coverage or change of residence, income change, or becoming a U.S citizen. You may be able to enroll in a new plan within 60 days or 60 days, depending on your circumstances.

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For better mental health, add these food items to your diet.

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It could be due to many factors. Scientists have identified the gut-brain connection as one explanation. Neurotransmitters are what link the brain to the gastrointestinal system.

Healthy eating is one of the best things you can do for your health. A healthy diet is good for our bodies and minds. Studies show that a healthy diet high in vitamins, minerals, and protein can improve our mental and physical health.

Sutter Health states that a healthy diet can improve our moods and help us feel happier. However, eating a lot of sugar and processed foods can cause mental problems and worsen depression and anxiety. It could be due to many factors. Scientists have identified the gut-brain connection as one explanation. Neurotransmitters are what link the brain to the gastrointestinal system. Additionally, gut microbes produce critical mood-regulating neurotransmitters such as serotonin, gamma-aminobutyric, and gamma-aminobutyric acids, which help manage anxiety, fear, depression, and other emotions.

Bad diets can cause inflammation and negatively affect our emotions. Gut-friendly foods high in fiber, healthy fats, and probiotics can make you feel happier mentally.

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Mental health is directly affected by diet.

Our attention and energy levels are also affected by diet. The brain must receive a steady supply of nutrients to function correctly. If the brain does not have certain nutrients, it can cause mental problems. Depressed people tend to prefer quick and easy meals to make healthy meals. This can lead to a vicious circle.

Sutter Health says that processed foods, which are often high in sugar and refined carbohydrates, may provide a temporary boost of dopamine but can lead to long-term inflammation, leading to anxiety and depression. The rush can be followed by a crash, which can cause increased sugar cravings and create a vicious circle of addiction.

Caffeine is another factor that can affect your mood. Too much coffee can be dangerous for your health. Although this popular stimulant is well-known for its energy-boosting properties, it can also cause anxiety symptoms like restlessness, nervousness, and stomach problems. It’s not only what you eat but also how often you eat. A drop in blood sugar can lead to irritation, fatigue, and depression.

Feeling better? Protein, complex carbs, and fatty acids can all help.

Sutter Health states that the brain needs a healthy mix of lean proteins and complex carbs to be more efficient. Lean protein is found in chicken, eggs, legumes, and nuts. It also contains an essential amino acid that the brain requires to regulate emotions. Mainly Omega-3 fatty acids are necessary for nerve cell structure and brain health. A diet low in Omega-3 fatty acids can harm brain functions such as learning, cognition, memory, sleep, and aging. Fish, flaxseed, and walnuts are rich in healthy fatty acids.

Complex carbohydrates are suitable for the brain, but they can also be harmful to the stomach. Complex carbohydrates are rich in fiber and minerals. They include whole grains, brown rice, starchy vegetables, and whole grains. They are also more slowly digested, keeping blood sugar levels in control and providing uninterrupted energy throughout the day.

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Try an apple or handful of walnuts instead of reaching for chocolates and chips when you feel down. You will see a difference in your brain and body. Remember that sadness is a normal part of mental health. Even renowned chefs have expressed their feelings.

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