China Labor Watch reports more labor violatio... - Taiwan News

File photo (By Associated Press)

TAIPEI (Taiwan News) – The labor rights group China Labor Watch (CLW) published a report on Sunday (Sept. 8) detailing labor violations at a Foxconn factory in Zhengzhou that manufactures products for the Apple corporation.

The facility is called “iPhone City” and is reportedly the largest iPhone factory in the world, supplying half of the iPhones sold worldwide. CLW conducted an investigation of labor conditions at the factory over a four year period and found that Foxconn and Apple are responsible for some significant abuses of the Chinese laborers.

According to the CLW report, the factory has used dispatch workers as well as student workers in excess of the legal limit to ensure orders are met during peak season. The company has also allegedly withheld promised bonuses and made use of overtime work opportunities in an illegal reward/ punishment scheme as a means to entice employees into recruiting new workers.

The report says that Foxconn has become increasingly reliant on dispatch labor to make up for a diminished labor force. The Zhengzhou factory workforce is made up of nearly 50 percent dispatch laborers. The report also accuses the Apple Corporation of transferring its increasing costs as a result of the U.S. –China trade war onto the factory laborers in China. From the report’s Executive Summary:

“Recent findings on working conditions at Zhengzhou Foxconn highlights several issues which are in violation of Apple’s own code of conduct. Apple has the responsibility and capacity to make fundamental improvements to the working conditions along its supply chain, however, Apple is now transferring costs from the trade war through their suppliers to workers and profiting from the exploitation of Chinese workers.”

Foxconn was recently criticized by CLW for labor rights violations at a factory in Hengyang, China which manufactures products for Amazon. A list of reported labor rights violations perpetrated by managers at the Zhengzhou factory and the Apple Corporation, along with the complete report, can be found at China Labor Watch’s website.

Update: Foxconn and Apple have reportedly acknowledged some of the violations outlined by CLW.

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2019-09-09 07:48:00Z
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Nearly all British Airways flights canceled as pilots go on strike - CNN

The strike was called for by the British Airline Pilots Association (BALPA) amid a heated dispute over pay with the airline.

BALPA said Sunday on Twitter that it put forward a proposal to the carrier's management Wednesday, but had yet to receive a reply.

British Airways said in a statement posted Monday it remains "ready and willing to return to talks with BALPA."

The airline said it was forced to cancel so many flights because "with no detail from BALPA on which pilots would strike, we had no way of predicting how many would come to work or which aircraft they are qualified to fly."

Customers who had flights booked for Monday and Tuesday will likely "not be able to travel as planned," British Airways said. The airline also advised customers not to go to the airport.

Members of the pilots union voted 93% in favor of a strike in July. BALPA said last week that it would be willing to call it off if British Airways returned to the negotiating table.

According to its website, BALPA represents more than 10,000 pilots in the United Kingdom — more than 85% of all commercial pilots who fly there.

The pilot's union also intends to strike September 27. British Airways said Monday that it will be in contact "in the next few weeks" to let customers who are traveling on or around that date know if they are affected.

While the union is calling for higher wages, British Airways has said its offer of an 11.5% increase over three years "fair" and above the United Kingdom's current rate of inflation. In a statement released last month, it said the strike could "destroy the travel plans of tens of thousands of our customers." It called the strike "a reckless course of action."

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2019-09-09 07:41:00Z
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U.S. charges Chinese professor in latest shot at Huawei - Reuters

(Reuters) - U.S. prosecutors have charged a Chinese professor with fraud for allegedly taking technology from a California company to benefit Huawei, in another shot at the embattled Chinese telecommunications equipment maker.

The Huawei logo is pictured at the IFA consumer tech fair in Berlin, Germany, September 6, 2019. REUTERS/Hannibal Hanschke

Bo Mao was arrested in Texas Aug. 14 and released six days later on $100,000 bond after he consented to proceed with the case in New York, according to court documents.

He pleaded not guilty in U.S. District Court in Brooklyn on Aug. 28 to a charge of conspiring to commit wire fraud.

According to the criminal complaint, Mao entered into an agreement with the unnamed California tech company to obtain its circuit board, claiming it was for academic research.

But the complaint accuses an unidentified Chinese telecommunications conglomerate, which sources say is Huawei, of trying to steal the technology, and alleges Mao played a role in its alleged scheme. A court document also indicates the case is related to Huawei.

Mao, an associate professor at Xiamen University in China who also became a visiting professor at a Texas university last fall, first gained attention as part of a Texas civil case between Huawei and Silicon Valley startup CNEX Labs Inc.

In December 2017, Huawei sued CNEX and a former employee, Yiren Huang, for stealing trade secrets. Huang, a former engineering manager at a U.S. Huawei subsidiary, helped start CNEX in 2013 three days after leaving the company.

As part of its counterclaims, CNEX said Mao had asked for one of its circuit boards for a research project and that, after it sent the board to the professor, he used it for a study tied to Huawei.

That case ended in June with a “take nothing” verdict.

A jury did not find CNEX stole trade secrets, but decided Huang violated his employment contract by not notifying the company of patents he obtained within a year of leaving.

However, the jury found Huawei was not harmed and did not award any damages. The jury also found Huawei misappropriated a CNEX trade secret, but awarded no damages on that claim, either.

Now, U.S. prosecutors who have an case against Huawei in Brooklyn for alleged bank fraud and Iran sanctions violations, have revived the CNEX case.

Although the company has not been charged, Huawei said it views the case against Mao as the U.S. government’s latest instance of “selective prosecution”.

“U.S. federal prosecutors are charging forward with CNEX’s allegations” despite the outcome of the civil case, a Huawei spokesman said in a statement, adding that U.S. prosecutors had shown no interest in Huawei’s claims against CNEX.

The spokesman noted the United States was charging Mao, even though the professor was never sued by CNEX and never called to testify at the civil trial. 

A spokesman for the U.S. Attorney’s office in Brooklyn declined to comment, as did a lawyer for Mao, a CNEX spokesman, and a lawyer for Huang.

Huawei says the U.S. government has made a concerted effort to discredit the company and curb its industry leadership. It said none of the accusations against it have been supported with sufficient evidence.

In January, U.S. prosecutors announced an indictment against Huawei for trade secret theft involving T-Mobile, following a civil case between those companies.

The same day, the Justice Department unsealed the bank fraud indictment in Brooklyn that accused Huawei of misleading global banks about its business in Iran.

The U.S. government has also lobbied other government to ban Huawei equipment, and banned companies from supplying Huawei with U.S. components without special licenses, ratcheting up tension between China and the United States as they engage in a tit-for-tat trade war.

A Justice Department spokesman said last week that while the department does not comment on specific investigations, it complies with the law and all subjects “enjoy the same rights to due process afforded by our Constitution and safeguarded by an independent judiciary.”

Reporting by Karen Freifeld; editing by Chris Sanders and Lincoln Feast.

Our Standards:The Thomson Reuters Trust Principles.

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2019-09-09 07:04:00Z
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Nearly all British Airways flights canceled as pilots go on strike - CNN

The strike was called for by the British Airline Pilots Association (BALPA) amid a heated dispute over pay with the airline.

BALPA said Sunday on Twitter that it put forward a proposal to the carrier's management Wednesday, but had yet to receive a reply.

British Airways said in a statement posted Monday it remains "ready and willing to return to talks with BALPA."

The airline said it was forced to cancel so many flights because "with no detail from BALPA on which pilots would strike, we had no way of predicting how many would come to work or which aircraft they are qualified to fly."

Customers who had flights booked for Monday and Tuesday will likely "not be able to travel as planned," British Airways said. The airline also advised customers not to go to the airport.

Members of the pilots union voted 93% in favor of a strike in July. BALPA said last week that it would be willing to call it off if British Airways returned to the negotiating table.

According to its website, BALPA represents more than 10,000 pilots in the United Kingdom — more than 85% of all commercial pilots who fly there.

The pilot's union also intends to strike September 27. British Airways said Monday that it will be in contact "in the next few weeks" to let customers who are traveling on or around that date know if they are affected.

While the union is calling for higher wages, British Airways has said its offer of an 11.5% increase over three years "fair" and above the United Kingdom's current rate of inflation. In a statement released last month, it said the strike could "destroy the travel plans of tens of thousands of our customers." It called the strike "a reckless course of action."

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2019-09-09 06:48:00Z
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Too Many People Are Making This Social Security Mistake - The Motley Fool

You pay into Social Security throughout your working life and you understandably can't wait to start getting money back from the program when you're older, but too many people rush to sign up for benefits as soon as they turn 62 without considering the consequences. This might be the best move for some people, but if you expect to live into your late 80s or 90s, you're shortchanging yourself by signing up as soon as you're eligible.

When you begin claiming Social Security affects your benefits

You become eligible for Social Security at 62, but you don't have to start claiming benefits right away. In fact, during so could hurt you in the long run. The Social Security benefit formula bases your check size on your average indexed monthly earnings (AIME) during your 35 highest-earning years. But if you'd like to receive this amount, you must wait until your full retirement age (FRA) to begin claiming. This is 66 or 67 for today's workers. 

Image source: Getty Images.

Every month you claim benefits before your FRA, your checks decrease. If you begin right away at 62, you'll only get 70% of your scheduled benefit if your FRA is 67 or 75% if your FRA is 66. To put that in perspective, let's consider the average Social Security benefit check, which is $1,472 per month as of July 2019. If you were entitled to this at 67 and you begin claiming benefits at 62, you'd only get $1,030 per month. 

Your checks don't increase once you hit your FRA, so by starting early, you're permanently reducing the amount you receive over your lifetime. Let's return to our previous example. If you started Social Security at 62 and received $1,030 per month, that comes out to $12,360 per year. If you claimed benefits for 30 years -- which is not unreasonable, considering the Social Security Administration estimates that one in three 65-year-olds today will live past 90 -- you'd receive $370,800 over your lifetime. If you'd waited until 67 to claim benefits, you'd receive $1,472 per month, or $17,664 per year. Assuming the same life expectancy, you'd only claim benefits for 25 years in this scenario, and that adds up to $441,600. If you live even longer, the differences between the two amounts grow even more.

There's a third option we haven't discussed yet and that's delaying retirement benefits beyond your FRA. Doing so will increase your checks until you reach the maximum benefit at 70. This is 124% of your scheduled benefit per check if your FRA is 67 or 132% if your FRA is 66. If you intend to live a long life, this is probably the way to go if you want the most benefits.

How to decide the right time to start claiming Social Security

Claiming Social Security at 62 could be the right decision if you don't expect to live long, but you won't know until you estimate your lifetime benefit at different ages. Rather than working with averages like in the example above, create a my Social Security account so you can get personalized estimates of your benefits at 62, your FRA, and at 70. Estimate your life expectancy and figure high to be safe. Then, multiply your benefit estimates by the number of months you expect to receive benefits to figure out which starting age gives you the most overall. 

Waiting is usually better if you think you'll have a long life, but even if you'd like to wait, you may not be able to afford to. Delaying benefits places a greater burden on you in the early years of your retirement because you must cover all of your expenses on your own. You must weigh this as well and you may have to start benefits a little earlier than you'd like to help you cover your living expenses.

Another option for couples is for the lower earner to start claiming benefits right away at 62. This enables the higher earner to delay benefits until 70 when they'll receive more per month. The lower-earning spouse will automatically be switched over to a spousal benefit at this point if it's higher than what they're entitled to based on their own work record. This works well if one spouse makes significantly more than the other. If both spouses earn about the same, it makes more sense for both to delay benefits as long as possible.

Taking Social Security benefits at 62 isn't inherently wrong, but doing so without understanding the consequences of your choice could result in you losing out on tens of thousands of dollars over your lifetime. Choose your starting age carefully so you can get the most out of Social Security and ease the strain on your personal savings.

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https://www.fool.com/retirement/2019/09/08/too-many-people-are-making-this-social-security-mi.aspx

2019-09-08 12:05:00Z
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3 Stocks to Buy With Dividends Yielding More Than 6% - Yahoo Finance

One definition of yield is to give up something. That definition is important to keep in mind when you're looking at high-yield dividend stocks. Always ask the question: What am I giving up to get that high yield? In some cases, the trade-off of a high-dividend yield is a higher risk that the stock could plunge or that the dividend itself could be in jeopardy.

But there aren't horrible trade-offs with all high-yield stocks. Three stocks I think you can buy right now with dividends yielding more than 6% are AbbVie (NYSE: ABBV), Enterprise Products Partners (NYSE: EPD), and Iron Mountain (NYSE: IRM). Here's what you need to know about these promising income picks.

Businessman drawing a line going up on a chalkboard beneath the word yield.

Image source: Getty Images.

1. AbbVie

AbbVie's dividend currently yields 6.5%. The company earns the distinction of being a Dividend Aristocrat thanks to its years of being part of Abbott Labs. Since being spun off from Abbott in 2013, AbbVie has boosted its dividend payout by an impressive 168%.

To be sure, AbbVie's dividend yield has been inflated by the stock's dismal performance over the last year. Investors have been worried about the future for AbbVie's top-selling drug, Humira, which already faces competition from biosimilars in Europe and will have biosimilar rivals in the larger U.S. market beginning in 2023.

However, AbbVie's valuation is now so low -- shares trade at less than seven times expected earnings -- I think it has a downside cushion. More importantly, the company has plenty of arrows in its quiver to help offset the revenue declines for Humira.

The biggest of those arrows is AbbVie's pending acquisition of Allergan, the maker of blockbuster drug Botox. AbbVie also recently won U.S. regulatory approvals for two new immunology drugs, Rinvoq and Skyrizi, that are expected to be huge winners. Market researcher EvaluatePharma ranked both drugs in its top five new products of 2019. AbbVie's existing drugs Imbruvica, Venclexta, and Orilissa should generate significant growth as well.

2. Enterprise Products Partners

Enterprise Products Partners offers a dividend yield of nearly 6.2%. The company focuses primarily on natural gas, natural gas liquids (NGL), and oil pipelines and storage facilities. These businesses generate a strong cash flow that should allow Enterprise Products Partners to keep the dividends flowing -- and likely growing.

It's encouraging to see a company that can thrive when many of its peers struggle. That's been the case for Enterprise, which has flourished in recent quarters while other midstream oil and gas companies haven't. One key to the company's success has been to slow its dividend distribution growth to fund more expansion projects. 

Despite Enterprise's solid stock performance in 2019, the stock is still a bargain. Shares trade at only 12.3 times trailing-12-month earnings and 12.6 times expected earnings.

There's a lot of volatility in the oil and gas industry that could impact Enterprise Products Partners. But with its investments in new projects, the company should be well-positioned for the future.

3. Iron Mountain

Iron Mountain is organized as a real estate investment trust (REIT), which means the company is required to distribute at least 90% of its taxable income to shareholders through dividends. And it's distributed plenty of money to shareholders thanks to strong earnings growth in recent years. Iron Mountain's dividend yield currently stands at a sky-high 7.4%.

The company isn't your typical REIT that focuses on retail, office, or housing properties, though. Iron Mountain reigns as the largest owner of data and records storage facilities in the world. It has also expanded into other types of properties to drive growth such as data centers.

If I could use only one word to describe Iron Mountain's business model, that word would be "solid." Iron Mountain's customer base includes 950 of the Fortune 1000. But it's not just large customers that use the company's storage facilities; Iron Mountain has around 225,000 customers across the world. These customers have little incentive to move their data and records to another provider, so Iron Mountain can count on a steady and reliable revenue stream.

Iron Mountain does face some risks. When interest rates rise significantly, REIT stocks tend to suffer. Iron Mountain has taken on a lot of debt to fund its expansions, so its interest expenses could especially rise if interest rates move higher. But I don't consider these risks overly worrisome. Neither does credit rating agency Moody's, which stated in June that Iron Mountain's "leverage and coverage metrics are considered solid relative to similarly rated companies and REIT peers." Like I said, Iron Mountain is solid.

More From The Motley Fool

• 10 Best Stocks to Buy Today
• The $16,728 Social Security Bonus You Cannot Afford to Miss
• 20 of the Top Stocks to Buy (Including the Two Every Investor Should Own)
• What Is an ETF?
• 5 Recession-Proof Stocks
• How to Beat the Market

Keith Speights owns shares of AbbVie. The Motley Fool owns shares of and recommends Moody's. The Motley Fool recommends Enterprise Products Partners. The Motley Fool has a disclosure policy.

This article was originally published on Fool.com

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2019-09-08 11:00:00Z
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How One Family Fell Into—and Dug Out of—an Insurance Scandal - The Wall Street Journal

By

Miho Inada and

Miho Inada
The Wall Street Journal
• Biography
• miho.inada@wsj.com

Megumi Fujikawa

Megumi Fujikawa
The Wall Street Journal
• Biography
• @megumifujikawa
• megumi.fujikawa@wsj.com

Sept. 8, 2019 5:30 am ET

Keijiro Nawata’s mother, Yaeko Nawata, who suffers from dementia, was sold multiple insurance policies by government-controlled Japan Post. Photo: Ko Sasaki for The Wall Street Journal

SANYO-ONODA, Japan— Keijiro Nawata, a 38-year-old truck driver, had finished the day’s deliveries and was changing his truck’s oil in the shop one day in June last year when an uncle called saying something was wrong. Mr. Nawata’s mother had received a letter urging her to pay $3,600 in overdue life-insurance premiums, the uncle said.

Mr. Nawata immediately called the insurance office and set up a meeting for the next day, where the news got worse. He discovered that salesmen had persuaded his mother, who suffers from dementia, to take out a dozen policies costing her $2,400 a month—twice her income. She had even been induced to get a $7,000 bank loan to cover payments when she ran out of money.

The company selling all those policies was no fly-by-night operator. It was government-controlled Japan Post Holdings Co. , one of the world’s largest financial groups, with trillions of dollars in assets.

“I couldn’t believe it, because I had absolute trust in the post office,” said Mr. Nawata as he showed the pile of contracts with his mother’s shaky signature. “This is very much like the work of gangsters.”

What happened to 71-year-old Yaeko Nawata and tens of thousands of other Japan Post policyholders has now ballooned into the biggest scandal since the company’s partial privatization a decade ago and highlighted the pressure that rock-bottom interest rates may be putting on institutions around the globe.

The family sifted through stacks of papers, noting each policy and each payment. Photo: Ko Sasaki for The Wall Street Journal 

When longer-term rates are negative—as in Japan and parts of Europe, including Germany—it is hard to profit from the difference between short-term and long-term rates, the bread and butter of banks and insurance companies. The U.S. is also experiencing near-record-low interest rates that some economists believe may last for years.

Japan Post said that over the past five years, it sold some 183,000 policies that may have gone against customers’ interests. The company is conducting an internal investigation of the matter.

Japan Post’s core life-insurance products are more like savings plans because they promise returns to policyholders even while they are living. When interest rates were 5% or 6%, Japan Post could offer attractive plans simply by investing in government bonds and letting the interest compound for decades. Today, savers might do as well stuffing their money under a mattress.

“Because of low interest rates, savings-style insurance is not very popular,” Japan Post Holdings President Masatsugu Nagato said at a news conference July 31.

“It’s now very hard” to sell policies, said Masahiko Suzuki, who has worked as a salesman for three decades at a central-Japan post office. Elderly people, he said, have good memories of the days when the products were more attractive, “so it’s easy to trick them.” Mr. Suzuki said he refused to do that and was a low performer.

One of the salesmen who sold policies to Ms. Nawata, Koichi Tokutomi, raised his voice when The Wall Street Journal called and asked about the case. “Why are you calling only me? I’m not the only person who does this!” Mr. Tokutomi said.

He is still employed at the post office in Sanyo-Onoda, an industrial seaside town with cement factories along the coast. Officials at the post office referred questions to Tokyo headquarters, where a spokeswoman declined to comment on the case.

The post office in Sanyo-Onoda, Japan. Photo: Ko Sasaki for The Wall Street Journal

Japan Post has apologized and said it would do its best to recover customers’ trust. At the July 31 news conference, Kunio Yokoyama, president of Japan Post Co., said, “I strongly regret” that unrealistic goals “put a lot of pressure on our employees.”

The 148-year-old financial behemoth has long been about more than just delivering the mail. With savings accounts and life-insurance policies, Japan Post brought modern finance to all corners of the nation with a network that now includes 24,000 post offices.

Japan Post Holdings Co. went public in 2015 along with its banking and insurance subsidiaries. The government now owns 57% of the holding company, which in turn owns 64.5% of the insurance unit.

As of last year, nearly 90% of Japanese households had insurance policies, with about four per household on average, according to the Japan Institute of Life Insurance.

But the industry has been through a rough period. Several insurance companies went bankrupt around the turn of the century, when the Bank of Japan ’s benchmark rate was headed to zero for the first time. Overall, industry revenue has fallen nearly 40% since 2011, and the number of policies held at Japan Post has fallen by nearly half over the past decade to 29 million.

The insurance institute’s surveys released last year found that while Japan Post’s policies are seen as less attractive, it still received top ratings for trustworthiness.

Many customers are hanging on to lucrative older policies sometimes known as treasure insurance.

Kyoko Okamoto, a 66-year-old who works part time at a parcel-delivery company, said she signed up for insurance when she was 20 and took out a loan from the post office to pay premiums when she was going through a rough patch. She said the terms were favorable by today’s standards and she has been collecting about $9,500 every five years, with the first payout coming at age 60 and the last to come at age 75. “I’m glad that I could manage to cling to it,” she said.

A poster inside of the Sanyo-Onoda post office advertising one of the products sold by Japan Post. Photo: Ko Sasaki for The Wall Street Journal

Some sales representatives try to persuade people to exchange their treasures for the insurance equivalent of trinkets: new policies with lower returns. Japan Post says its improper sales methods included charging policyholders twice for overlapping coverage.

Commissions account for 25% of annual income for the median postal salesperson, according to Japan Post, which cut salespeople’s base salaries in 2015 to emphasize incentive pay. Low performers have been sent to training where they were berated and humiliated with comments such as, “You’re useless!” said Kazuhiro Kamon, vice chairman of the labor union for the postal industry. Japan Post spokesman Hideo Murata said such training may have happened in the past but the company now offers proper training.

Share Your Thoughts

What lessons about consumer protection can be learned from Japan Post’s sales practices? Join the conversation below.

At her spacious traditional home, Ms. Nawata, still wipes the wooden hallway floors every day and feeds stray cats that come to her Japanese garden, despite advancing dementia. When her 38-year-old younger son visited on a recent Sunday with a reporter, she said happily to him, “Oh, my goodness, you have become taller!”

According to Mr. Nawata, two salesmen visited his mother in May 2017, a month after Japan Post Insurance raised some premiums to reflect lower expected interest rates. Among the policies she was induced to buy were two from Aflac Inc. The U.S. company declined to comment about Ms. Nawata and said it was looking into sales practices.

It took months for Mr. Nawata and his uncles to sort stacks of papers. They wrote down by hand each policy and each payment.

After half a year, the family managed to cancel all Ms. Nawata’s policies and get back the money she paid.

“I should have paid more attention to my mother. But the bonds with my family are now stronger,” Mr. Nawata said. He used to visit his mother only on weekends, but now stops by after work almost every day.

Keijiro Nawata and his mother, Yaeko Nawata, in her home in Sanyo-Onoda. Photo: Ko Sasaki for The Wall Street Journal

Write to Miho Inada at miho.inada@wsj.com and Megumi Fujikawa at megumi.fujikawa@wsj.com

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2019-09-08 09:30:00Z
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