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2024-01-18 10:41:30
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#points #opportunity #Thai #stocks #Valuation #zone #TNN #invest #TNN #Online
2024-01-18 10:47:28
La Poste, La Banque Postale and its consumer credit subsidiary La Banque Postale Consumer Finance took part in the major “HR Best Practices Survey” by the Top Employer Institute.
This survey covers several HR themes such as talent management, the work environment, training and skills development, well-being at work, and diversity and inclusion.
The three companies each had to provide evidence of their various actions which were then verified by the organization during an audit.
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#Top #Employer #Poste #Banque #Postale #Banque #Postale #Consumer #Finance #certified #France
2024-01-18 05:00:00
The accelerated and paid construction training courses so dear to the Legault government are victims of the shortage of teachers. A course has already been canceled due to lack of teachers.
• Read also: What does 2024 have in store for education: the effects of the strike will be felt
The lack of personnel in the Education network does not spare Quebec’s offensive aimed at recruiting 4,000 to 5,000 workers by the summer to work on construction sites.
The short course paid $750 per week leading to the certificate of professional studies (AEP) in driving construction equipment will ultimately not be offered in Val-d’Or. The training of 36 students was scheduled to begin in early January.
“Due to a lack of teaching staff at our partner, we had to cancel this program,” explains Caroline Neveu, communications coordinator at the Or-et-des-Bois School Service Center. The students were referred to other professional training centers in Quebec offering a similar program.
Disappointment among students
A young man who had registered for the course deplored this unfortunate outcome. “I am extremely disappointed. I already had entrepreneurs interested in my services,” says the aspiring student, who wishes to remain anonymous. He maintains that he was not referred in any way to other establishments providing the accelerated training he was targeting.
After beneficiary attendants during the pandemic, it is the turn of construction workers to benefit from a paid fast track to compensate for the lack of labor on construction sites.
But unlike PABs, who had to commit to working for at least one year in a CHSLD, people who graduate from accelerated construction training have no obligation to join the industry at the end of their course.
The accelerated training paid at $25 per hour targets five trades: carpenter, tinsmith, refrigeration engineer, excavator and heavy equipment operator. Quebec also offers graduation scholarships to new apprentice workers in programs leading to a professional studies diploma (DEP) in the five targeted fields.
Nearly 47,000 admission applications were submitted before Christmas. Our Parliamentary Office is still waiting for a complete picture of the situation from the Ministry of Education in order to find out more regarding the start of accelerated training across Quebec.
Study program Attestation of professional studies (AEP)
Admission applications submitted
Total: 46 981
Study program Professional studies diploma (DEP)
Admission applications submitted
Total: 4333
Source: Ministry of Education data as of December 15, 2023
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#Accelerated #construction #training #canceled #due #teacher #shortage
2024-01-18 09:00:56
Desjardins, which manages regarding half of the “COVID loans” in Quebec, is concerned regarding the fate of the many small businesses who are having difficulty repaying them by the January 18 deadline.
More than 80,000 Quebec businesses took out a loan via the Canadian Emergency Business Account (CEBA), a federal government program which aimed to support them during the COVID-19 pandemic.
“We estimate that approximately 30 to 40% of businesses that have obtained a CEBA loan are under pressure to repay this loan,” indicated Marc-Antoine Lavoie, spokesperson for Desjardins.
Several options are available to entrepreneurs who do not have the money in their bank account necessary to repay the entire loan, which is $40,000 or $20,000. The first is to agree to lose the “grant” portion of the program, which is $20,000 or an additional $10,000, and to pay the remaining balance over three years with an interest rate of 5%.
However, Desjardins, like many other financial institutions, offers businesses the opportunity to refinance this loan. This method allows businesses to quickly repay the government and keep the $20,000 grant.
“Unfortunately, we will not be able to help them all due to their financial situation,” said Mr. Lavoie, adding that these loans are without guarantee.
The zero-waste grocery store Orange Coco, in Granby, is one of the companies that failed to obtain refinancing from Desjardins for their CEBA loan.
“The banks didn’t want to lend me [de l’argent], because zero waste grocery stores are too risky. There are many that have closed,” reports the owner, Isabelle Guilmain, who also considered declaring bankruptcy.
She had to remortgage her house to pay her emergency loan. It also launched a fundraising campaign with its customers.
Mme Guilmain says she spent the entire $60,000 during the pandemic. “I had a lot of expenses that were not normally necessary. I had my website built for online sales, I had to hire two full-time people to bag the products, as well as a delivery person and someone to do constant cleaning. We did not take advantage of this money to grow our business. There, we have to put it back, but we haven’t had time to recover from all the damage that the pandemic has brought,” says the woman who believes that COVID-19 has slowed down the great momentum of ecological stores.
She describes the Trudeau government’s decision to impose a refund on small businesses as “heartless” in the current economic context.
The beekeeper Jacques Fontaine is just as revolted and worried. “I don’t think anyone has really recovered from all of this. I don’t understand why the government is pushing so hard to get its money back now. It’s going to leave its mark,” said the owner of Miel Fontaine, a company in Estrie.
To repay his CEBA loan, he went back into debt with a financial institution, at an interest rate of nearly 11%. This adds monthly payments of more than $1,000.
The pandemic was also “nightmarish” for his honey house, which has existed for 17 years, since his shop was closed for a long period. “Sales were practically zero. We also do beekeeping training and we had small groups for two years,” says Mr. Fontaine.
He now fears the economic slowdown. Sales of many of his products, notably mead, plummeted, and many of his customers closed. Others extend their bill payment deadlines.
According to Desjardins, 20% of businesses with a COVID loan had still not repaid the entire amount due as of Wednesday followingnoon. The office of the Deputy Prime Minister and Minister of Finance of Canada claims that 70% of CEBA beneficiaries had done so as of January 15.
For its part, the Canadian Federation of Independent Business is concerned that certain SMEs, if they are refused by their bank, will turn to refinancing companies which impose higher interest charges. The group is still calling for a postponement of the January 18 deadline, but this possibility was rejected by Prime Minister Justin Trudeau himself this week.
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#Desjardins #concerned #COVID #loan #repayments
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