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Capitol Hill Blue Forums Political Issues Politics In General Denialism There are no members with birthdays on this day. Throwing a cat among the pigeons by Mellowicious - 01/28/22 05:40 PM Coronavirus: The Plague of The 21st Century? by pdx rick - 01/28/22 11:50 AM by rporter314 - 01/28/22 03:35 AM by Jeffery J. Haas - 01/28/22 03:26 AM Round Table Winter 2021 by pondering_it_all - 01/27/22 11:05 PM Editorial: History will harshly judge Trump's coup attempt — and those who defen by rporter314 - 01/27/22 07:03 PM by Jeffery J. Haas - 01/27/22 05:20 PM Gerrymandering by perotista - 01/27/22 04:12 PM They're saying the quiet parts out loud now by pondering_it_all - 01/26/22 01:14 AM National Commission to Investigate the January 6 The long and winding road to Dumbass by chunkstyle - 01/24/22 05:37 PM Interesting read - maybe by Mellowicious - 01/24/22 06:19 AM XX or XY Genome by Ken Condon - 01/22/22 07:01 PM Texas hostages Lindsey v. Mitch: Senate cage match by logtroll - 01/15/22 05:11 AM Complexity Science RoundTable For Fall 2021 Fox News Hosts Begged Trump to Act., told a different story on air Divorce: American Style Popular Topics(Views) 9,821,778 my own book page 9,461,529 Miscellaneous humor thread 8,190,012 the word association game 4,884,258 We shall overcome 4,619,211 Wonder what the poor folks are eatin' tonight? 4,003,449 Campaign 2016 3,640,749 Trump's Trumpet 2,973,292 Is it too soon to be talking 2020? 2,892,792 3 word story game 2,864,288 Big brother is watching Rate Thread Page 9 of 15 1 2 … 7 8 9 10 11 … 14 15 Re: Denialism pdx rick #338986 11/29/21 04:08 PM Greger Rick, you do realize that this holds true for almost everyone you've ever voted for? Mueller found nothing and there were no indictments. Anything beyond that is sheer fantasy created by the media and in the fevered imaginations of Democrats. Good coffee, good weed, and time on my hands... Puget Sound, WA pdx rick OP CHB-OG pdx rick I disagree. I don't think Barack Obama was like that, nor do I think that Joe Biden is like that. Your mileage may vary. Contrarian, extraordinaire Of course they weren't like that, Rick, they were Democrats and I'm pretty sure that Democrats are all as pure as the driven snow! Do I need to go into another tirade about the wonderfulness and abject perfection of all Democrats...? Some interesting stuff coming out about Hunter Biden and China and the Czech Republic... Lies, all of it I'm sure. Because Dems are incapable of wrongdoing. chunkstyle Yes, I do know. A wonderfully informative book called Trump by Wayne Barrett, an investigative journalist from the old Village Voice went into the criminal anthology of the Trumps. I've recommended it here IIRC. I've often wondered why, knowing what is known about Trump history, Dem Corp never went for emoluments. Guess they didn't want to go there. My guess would be not knowing where it would end. You ever read Assange's Podesta e-mail drop? Does that strike you as criminality as a form of fraud by the DNC and it's creditor, HRC? Also, keeping with the witness stand vibe, do you believe in the first amendment? Last edited by chunkstyle; 11/29/21 05:09 PM. Biden's involvement in the Ukraine was eyebrow raising for me. I dunno. Maybe I should have tried harder in school. Maybe I could have gotten a board seat at an oil company after getting expelled from school for having a good time. Seems like a legit career path. Greger #339006 11/29/21 10:33 PM NW Ponderer Originally Posted by Greger I'm sorry, but that is not even close to being accurate. I've got the report, I've read the report. It is FULL of direct, substantiated, illegal activity as well as numerous attempts, including, specifically, by DJT. That it hasn't been prosecuted is more a function of politics - and political will - than merit. So, let's dispose of that nonsense right now. I'm kinda flabbergasted, my friends, at some of the nonsense and vitriol being blurped out here. I'm a detail, level-headed, non-partisan observer. The level of detail of criminal activity is not minor or miniscule. The "Steele Dossier" has not been debunked - not even close. Where is this coming from?It Wasn't a Hoax (David Frum, the Atlantic): "If Donald Trump had been supported only by people who affirmatively liked him, his attack on American democracy would never have gotten as far as it did. Instead, at almost every turn, Trump was helped by people who had little liking for him as a human being or politician, but assessed that he could be useful for purposes of their own. The latest example: the suddenly red-hot media campaign to endorse Trump's fantasy that he was the victim of a 'Russia hoax.'" The factual record on Trump-Russia has been set forth most authoritatively by the report of the Senate Intelligence Committee, then chaired by Richard Burr, a Republican from North Carolina. I'll reduce the complex details to a very few agreed upon by virtually everybody outside the core Trump-propaganda group. Dating back to at least 2006, Trump and his companies did tens of millions of dollars of business with Russian individuals and other buyers whose profiles raised the possibility of money laundering. More than one-fifth of all the condominiums sold by Trump over his career were purchased in all-cash transactions by shell companies, a 2018 BuzzFeed News investigation found. In 2013, Trump's pursuit of Russian business intensified. That year, he staged the Miss Universe pageant in Moscow. Around that time, Trump opened discussions on the construction of a Trump Tower in Moscow, from which he hoped to earn "hundreds of millions of dollars, if the project advanced to completion," in the words of the Senate Intelligence Committee. Trump continued to pursue the Tower deal for a year after he declared himself a candidate for president. "By early November 2015, Trump and a Russia-based developer signed a Letter of Intent laying out the main terms of a licensing deal," the Senate Intelligence Committee found. Trump's representatives directly lobbied aides to Russian President Vladimir Putin in January 2016. Yet repeatedly during the 2016 campaign, Trump falsely stated that he had no business with Russia—perhaps most notably in his second presidential debate against Hillary Clinton, in October 2016. Early in 2016, President Putin ordered an influence operation to "harm the Clinton Campaign, tarnish an expected Clinton presidential administration, help the Trump Campaign after Trump became the presumptive Republican nominee, and undermine the U.S. democratic process." Again, that's from the Senate Intelligence Committee report. The Trump campaign adviser George Papadopoulos "likely learned about the Russian active measures campaign as early as April 2016," the Senate Intelligence Committee wrote. In May 2016, Papadopoulos indiscreetly talked with Alexander Downer, then the Australian high commissioner to the United Kingdom, about Russia's plot to intervene in the U.S. election to hurt Clinton and help Trump. Downer described the conversation in a report to his government. By long-standing agreement, Australia shares intelligence with the U.S. government. It was Papadopoulos's blurt to Downer that set in motion the FBI investigation of Russia's interference in the 2016 presidential election, a revelation authoritatively reported more than three years ago. In June 2016, the Trump campaign received a request for a meeting from a Russian lawyer offering harmful information on Hillary Clinton. Donald Trump Jr. and other senior Trump advisers accepted the meeting. The Trump team did not obtain the dirt they'd hoped for. But the very fact of the meeting confirmed to the Russian side the Trump campaign's eagerness to accept Russian assistance. Shortly after, Trump delivered his "Russia, if you're listening" invitation at his last press conference of the campaign. WikiLeaks released two big caches of hacked Democratic emails in July and October 2016. In the words of the Senate Intelligence Committee: "WikiLeaks actively sought, and played, a key role in the Russian intelligence campaign and very likely knew it was assisting a Russian intelligence influence effort." Through its ally Roger Stone, the Trump campaign team assiduously tried to communicate with WikiLeaks. Before the second WikiLeaks release, "Trump and the Campaign believed that Stone had inside information and expressed satisfaction that Stone's information suggested more releases would be forthcoming," according to the Senate Intelligence Committee. In late summer and early fall 2016, Stone repeatedly predicted that WikiLeaks would publish an "October surprise" that would harm the Clinton campaign. At the same time as it welcomed Russian help, the Trump campaign denied and covered up Russian involvement: "The Trump Campaign publicly undermined the attribution of the hack-and-leak campaign to Russia and was indifferent to whether it and WikiLeaks were furthering a Russian election interference effort," the Intelligence Committee found. In March 2016, the Trump campaign accepted the unpaid services of Paul Manafort, deeply beholden to deeply shady Russian business and political figures. "On numerous occasions, Manafort sought to secretly share internal Campaign information" with a man the Intelligence Committee identified as a Russian intelligence officer. "Taken as a whole, Manafort's high-level access and willingness to share information with individuals closely affiliated with the Russian intelligence services … represented a grave counterintelligence threat," the committee found. Through 2016, the Russian state launched a massive Facebook disinformation program that aligned with the Trump campaign strategy. At crucial moments in the 2016 election, Trump publicly took positions that broke with past Republican policy and served no apparent domestic political purpose, but that supported Putin's foreign-policy goals: scoffing at NATO support for Estonia, denigrating allies such as Germany, and endorsing Britain's exit from the European Union. Throughout the 2016 election and after, people close to Trump got themselves into serious legal and political trouble by lying to the public, to Congress, and even to the FBI about their Russian connections. All of these are facts that would be agreed upon even by the latter-day "Russia hoax" revisionists and, for that matter, anybody this side of Breitbart or One America News Network. A well reasoned argument is like a diamond: impervious to corruption and crystal clear - and infinitely rarer. Here, as elsewhere, people are outraged at what feels like a rigged game -- an economy that won't respond, a democracy that won't listen, and a financial sector that holds all the cards. - Robert Reich NW Ponderer #339015 11/30/21 12:59 AM David Frum…David Frum… The same David Frum of the axis of evil fame? The same David Frum who gaslight their country with respect to 'weapons of mass destruction' claims that turned out to be pure B.S.? Priming the country to invade Iraq that lead to hundreds of thousands of deaths of innocent Iraqi's David Frum? Tell me it's not the same David Frum that argued war would bring stable democracy to the Middle East is it? This isn't the neocon conservative think tank war hawk and former Busch jr. speech writer that was against the Iranian nuclear deal and has pushed for war with Iran David Frum is it? Does David Frum have credibility with you NWP? Lots of innuendo, no real criminality from your post. Didn't Manafort do work for the Podesta group in the Ukraine? Same group that was referred by Mueller to the SDNY for its foreign lobby registration omissions? Last edited by chunkstyle; 11/30/21 01:01 AM. Greger #339028 11/30/21 05:56 AM Some interesting stuff coming out about Hunter Biden and China and the Czech . Don Jr is a known coke addict…should orange Fatboy be held accountable for Jrs actions? Of course not! chunkstyle #339029 11/30/21 07:00 AM Originally Posted by chunkstyle Jesus, you're just a repetitious one-note song, aren't you. NO, I'm not quoting David Frum because he's a "credible source" or I believe in him, but because he lays out the FACTS that were laid out by the REPUBLICAN committee that investigated the circumstances. Neither has an incentive to undercut the Republican party or further a Democratic agenda. There's a legal principle behind that credibility, it's called "a statement against interest." A genuine suggestion: get out of your own head, listen to reason, and evaluate things rationally, my friend. I really don't know where you are coming from, but it isn't the real world. Have you read the Mueller Report? Do you have a clue what is in it? Do you have a law degree? Have you evaluated the evidence in light of the law? You keep pulling things out of god-know-where and making outlandish pronouncements that have - at best - a tentative connection to things like... oh, facts, evidence, reality. It's getting more than a little bothersome. pdx rick #339032 11/30/21 10:42 AM One of the Mexicos logtroll If a man would register all his opinions upon love, politics, religion, learning, etc., beginning from his youth and so go on to old age, what a bundle of inconsistencies and contradictions would appear at last! -Jonathan Swift, satirist (30 Nov 1667-1745) You never change things by fighting the existing reality. To change something, build a new model that makes the old model obsolete. Moderated by Doug Thompson, Greger, NW Ponderer, Phil Hoskins, SkyHawk Hop To Policies & Guidelines ------ Forum Guidelines Policy Regarding 9/11 Conspira...Hot Topics & Breaking News ------ The RoundTable NewsCapitol Hill Blue Opinions ------ CHB Columnists Hal BrownPolitical Issues ------ The Trump Administration 2018 Elections Campaign 2020 The Biden Administration Politics In General The Obama Administration Campaign 2016 Foreign Policy & News Terrorism Iraq & Afghanistan Constitutional Issues The Legal Forum Election Issues Campaign 2012 Guns Finance, the economy & Econ... The Environment New Third Party Canadian TopicsLife and Moral Issues ------ Religion and Philosophy Education Crime & Punishment Morality & Society That's Entertainment American Humor Parenting & Children Issues of Aging Matters of cultureScience and Technology ------ Health, Medicine & the heal... 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Julian Lennon Shares His Sweet Moment Bumping Into Paul McCartney YouTube / Manki030776 It seems that Julian Lennon couldn't contain the joy and excitement he felt when he bumped into the legendary Paul McCartney. He recently had an airport encounter with The Beatles bassist-vocalist, who happens to be his father's former bandmate. Lennon shared their photos on his Twitter page. The impromptu meeting of the two probably holds substantial weight for the Beatles fans. After all, Lennon was only five years old when McCartney wrote The Beatles' classic "Hey Jude." To date, myths about the song are still being resurfaced by some diehard fans. They still do believe that the song was meant to encourage the young boy, whose father at that time left his mother, the late Cynthia Lennon, for Yoko Ono. On Lennon's Twitter account, you can see the heartwarming photo of McCartney and him together in an airport earlier this month. Lennon wrote: "It's Amazing who you run into in an airport Lounge! None other than Uncle Paul…. So, so lovely, and what are the chances… Thankful…." Last September, Lennon released his first solo album in over a decade naming it JUDE. A photo of McCartney displaying the JUDE album on a smartphone was also attached together with their selfie. Check out his tweet below. It's Amazing who you run into in an airport Lounge! None other than Uncle Paul…. So, so lovely, and what are the chances… Thankful…. ❤️🙏🏻😘 pic.twitter.com/OR2glVe7Gl — Julian Lennon (@JulianLennon) November 12, 2022

shareholder who is entitled to deal with them in any manner as he thinks fit. capital, denoting the holder's proportionate financial stake in the company. element from the bundle of rights. meeting, can that be called separation of voting rights and ownership rights? the meeting, the power of attorney shall stand revoked thereby. otherwise are transferred to the pledgor. the case of Mohini Mohan Chakravartty v. receive any dividend on the shares. of shares of their listed entities. making public announcement as well. the promoter and promoters group by virtue of the change in the Takeover Code. n Cousins v. International Bricks Co. Ltd., (1931) 2 Ch 90 at 101: (1932) 2 Com Cases 108 (CA) it was discussed that a shareholder may give an irrevocable power of attorney to a person to cast votes on his behalf in the general meeting and also sign proxy forms on his behalf as constituted attorney. The constituted attorney's position is that of a proxy and he can attend and vote at the meeting. If the shareholder himself attends the meeting, the power of attorney shall stand revoked thereby. Was it really construed to be an irrevocable power or revocable (at the instance of shareholder himself/herself attending the meeting)? Great, but clarity on finer points would be much appreciated. ^^^^ Since the power of attorney was revoked by the shareholder attending the meeting, definitely it was held to be a revocable power of attorney. If you could please clarify the as to when 100% voting rights in a company A are transferred in favor of company B without transfer of shares,does this mean latter becomes the subsidiary of former. The above transfer happens in pledge of 100% shares of company A with company B. On a plain reading of the Companies Act, a company (B) exercising 100% voting rights in another company (A) may make A the subsidiary of B. This is because section 2(87)(ii) uses the words "exercises" or "controls" more than half of the share capital of the company. This could arise if voting rights are handed over without a transfer of the shares. Moreover, the other test in section 2(87)(i) is that whether B has the ability to control the composition of the board of directors of A, which is will have due to the voting rights it has obtained although it does not own the shares. These are just some preliminary thoughts. In case any of the readers have a different view point, please feel free to express the same.

sec whistleblower attorneys SEC Whistleblower Attorneys Awards & Recognition Manifesto SEC Whistleblower Advocacy Program Fundamentals Common Securities Violations Facts & Figures International Whistleblowers SEC Whistleblower Resources Eligibility Calculator Awards & Results Awards Granted Awards Denied Our Cases Our Clients Private Securities Cases SEC & DOJ Prosecutions Securities Law Primer Eligibility Calculator SEC Insiders Guide SEC Whistleblower Handbook Sanctions Database FAQ Request Case Evaluation Request Case Evaluation Request Case Evaluation $ 0 m Balance of Investor Protection Fund From Which Awards Are Paid (as of FY2019) SEC Whistleblower Awards Paid to Date Number of SEC whistleblower submissions in FY2019 Largest SEC Whistleblower Award More than $50 million Successful SEC Whistleblowers... that are foreign nationals: Over 22% that were insiders: 69% that reported their concerns internally: Approximately 85% that reported anonymously: Almost 25% that filed jointly: Approximately 19% Whistleblower Tips Received by the SEC Year / Amount % increase over prior year Since the beginning of the program, the number of whistleblower tips received has grown by approximately 74%. Since the program was established, more than one-fifth of awards paid have been to foreign sources. Corporate Disclosures and FinancialsCrypto CurrencyOffering FraudMarket ManipulationInsider TradingTrading and PricingFCPAUnregistered OfferingsMarket EventMunicipal Securities and Public PensionOtherNot Reported Whistleblower Tips by Allegation Type Click on the chart to the left to change allegation types Corporate Disclosures and Financials Crypto Currency Offering Fraud Market Manipulation Insider Trading Trading and Pricing FCPA Unregistered Offerings Market Event Municipal Securities and Public Pension Other Not Reported Tips Received / Fiscal year % of Total Whistleblower Tips/Fiscal Year Whistleblower Tips Received by Geographic Location U.S. and its Territories Click on a state to view tips received AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC of total population Total: 2,559 Avg/Year: 511.8 Top Whistleblower Tips Received International Click the dots to change countries [ Fiscal Year ] Whistleblower Tips Received by Country International Afghanistan Andorra Angola Argentina Australia Austria Azerbaijan Bahamas Bangladesh Belgium Belize Bolivia Botswana Brazil Bulgaria Bunei Burkina Faso Burma Cameroon Canada Cayman Islands Chile China Colombia Congo Costa Rica Croatia Curacao Cyprus Czech Republic Denmark Dominican Republic Ecuador Egypt El Salvador Estonia Eswatini Fiji Finland France French Polynesia Germany Ghana Greece Guatemala Honduras Hong Kong Hungary Iceland India Indonesia Iran Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Korea Kuwait Latvia Lebanon Lithuania Luxembourg Macau Macedonia Madagascar Malaysia Maldives Malta Mauritius Mexico Montserrat Monaco Montenegro Morocco Nepal The Netherlands New Zealand Nicaragua Nigeria Norway Oman Pakistan Panama Papua New Guinea Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Lucia Saudi Arabia Senegal Serbia Singapore Slovak Republic (Slovakia) Slovenia South Africa South Korea Spain Suriname Sweden Switzerland Taiwan Tanzania Thailand Tunisia Turkey Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Venezuela Vietnam Zambia *ALL STATISTICS CURRENT AS OF NOVEMBER 2019 UNLESS OTHERWISE INDICATED. 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Women's Equality Hartford with Cindy Wolfe Boynton on the CT Chapter of the National Organization of Women https://comcastnewsmakers.com:443/Videos/2019/7/24/Women's-Equality-Hartford Connecticut is typically pro-women and supports gender equality. CT Chapter of the National Organization for Women's Cindy Wolfe Boynton discusses fighting for women's personal, professional and political empowerment throughout the state and nation. Hosted by: Eric Clemons Produced by: Western New England Newsmakers Team #Connecticut #General Interest Other videos hosted by Eric Clemons How FoodShare Identifies Communities Disproportionately Impacted By The Pandemic Most folks seeking Connecticut Foodshare services during the pandemic were new faces. Foodshare's Institute for Hunger Research and Solutions is working to identify areas of the highest need in order to provide food more equitably. Katie Martin explains. Food, Shelter, Safety, Disaster Relief: How The Salvation Army Helps Communities... Food, Shelter, Safety, Disaster Relief: How The Salvation Army Helps Communities in Need. Sheltering the homeless, feeding the hungry, protecting the vulnerable; The Salvation Army Southern New England Divisional Commander, Major Debra Ashcraft, discusses the work they do to identify community challenges and provide critical services. This Nature Center Home to Nearly 20 Birds of Prey Including Owls and Hawks Denison Pequotsepos Nature Center is known for rescue and rehabilitating wild birds of prey including owls and hawks. Nature Center Executive Director Davnet Conway discusses preserving the natural environment for wildlife as well as educational programs. From Educational Programs to Public Sails Aboard The Onrust The Onrust, a re-creation of the vessel Adriaen Block built in 1614, hosted at the Connecticut River Museum provides youth educational programs and public sails. Executive Director, Jennifer Carlson talks about the significance of the historic vessel. Tackling the Rise in Food Insecurity, Housing Instability and Basic Needs "Fifty percent of the people coming through the line had never needed to rely on that kind of service before". United Way of New Haven President and CEO, Jennifer Heath, talks a rise in food insecurity caused by the pandemic as well as other basic needs. Impact of COVID on Social and Emotional Learning Boys and Girls Club of West Springfield Executive Director, Dan D'Angelo discusses impacts of the pandemic on youth, work around social and emotional learning, updates to the computer lab; including Macs, 3D printers, Chromebooks and growing back numbers. Feeding the Food Insecure in CT Foodshare recently merged with the Connecticut Food Bank, both are long time food in the state- leading the fight to end hunger in CT. President and CEO, Jason Jakubowski, joins Newsmakers to discuss the extent of food insecurity in the state. How This Connecticut Organization is Transforming Lives Living in poverty, being homeless, not having fresh nutritious foods or not having a job. Chrysalis Center provides wrap around services for these critical issues facing the community. Adria Giordano shares about resources help break this cycle. Navigating Obstacles Women and their Children Face YWCA New Britain Executive Dir., Tracey Madden-Hennessy, talks the many services for women, especially those with children under the age of eight including childcare, education, teen program, sexual assault crisis services and other women focused issues.

SharePoint Overview: What is It? SharePoint Overview: What is It For? Currently use traditional tools for information management: file shares, Exchange for Email, etc. Increase the importance of metadata – right in the authoring application! Digital Preservation: Introduction and Case Study -. sarah shreeves tim donohue april 21, 2008. outline. what is digital preservation? what is digital preservation management? what standards and tools are available? case study of ideals. College II -. reading, study skills, & vocabulary. building vocabulary and study skills. reading for the real world. reading for the real world. getting meaning from context. end of chapter (2). learning the vocabulary of english. Management Accounting : Case Study -. society of certified management accountants of sri lanka. case study. ifac's ies 6: test on professional capabilities and competence test on management accounting skills test on strategic skills .

Netflix Earnings Preview: What Wall Street Will Be Watching Netflix co-CEO Reed Hastings. (Photo by Ken Ishii/Getty Images) Netflix's Reed Hastings Is Stepping Out on a High Note – and the New Co-CEO Has Work to Do | Analysis by Lucas Manfredi | January 20, 2023 @ 6:00 AM "Incoming Co-CEO Greg Peters will have a number of major decisions on his plate," one analyst told TheWrap Reed Hastings — one of Netflix's founders over 25 years ago who ushered the company from mail-order DVD service to the world's first streaming network — signaled the end of an era on Thursday after revealing he would transition into the role of executive chairman and hand off Netflix's co-CEO reins to chief operating officer Greg Peters. After a couple wobbly quarters in early 2022, the world's No. 1 streamer has somewhat recovered. That gives Hastings an opportunity to move out of the co-chief job a hero (or pull an "Iger" as some have referred to it). But that leaves a ton of work for standing co-CEO Ted Sarandos and incoming Peters. On Netflix's earnings call, Hastings touted the company's "good head start" over its streaming competitors, adding that the streamer continues to make "super progress." In its fourth quarter of 2022, Netflix blew its 4.5 million subscriber projection out of the water — instead adding 7.66 million subscribers for a global total of 230.75 million. Netflix's new CEO Greg Peters at Web Summit 2018 in Lisbon, Portugal. (Getty Images) "The key was retention. Fewer people churned out than normal, probably because the [$6.99 per month] ad-supported tier gives users a lower-priced option," Wedbush Securities analyst Michael Pachter told TheWrap. "Their content was really good during the quarter, and they spread it out nicely to keep people engaged. All these things contributed to a great subscriber figure." But while Hastings is stepping away from the helm of Netflix on a high note with regard to subscribers, his successors still have their work cut out for themselves and a troubling economic climate that has yet reached its prime. Despite the subs win, Netflix missed on its earnings per share, posting 12 cents compared to Wall Street's expectation of 54 cents. Meanwhile, revenue came in line with estimates at $7.85 billion, but only marked growth of 1.9% year over year. Though Netflix's stock has climbed about 7% year to date following the earnings announcement, shares are still down approximately 38% in the past year, as of market close on Thursday. Netflix Misses Q4 Earnings Expectations but Beats on Subscribers "Reed Hastings stepping down from his current role raises a lot of questions about Netflix's future strategy. While the subscriber growth numbers are encouraging, revenue growth is sluggish with the backdrop of a potential recession looming on everyone's mind," Third Bridge analyst Jamie Lumley told TheWrap in a statement. "Incoming Co-CEO Greg Peters will have a number of major decisions on his plate from managing high levels of expenses, password sharing and cracking the code to find the next 'Stranger Things.'" When asked about the company's future strategy, Peters said he would follow Hasting's model of "continually seeking excellence" and emphasized that there's "no big strategy shift or big culture shift" planned. "We look forward to taking things forward as we have been for the last little bit and responding to a dynamic industry and doing the changes that we think are appropriate," Hastings noted during the pre-recorded earnings call on Thursday. "But we don't have a bank of changes that we're we've been holding for this moment. So mostly it's continuity and move forward." From Franchises to Spy Shows: The Biggest Takeaways From the Winter 2023 TCAs Looking ahead, Netflix's long-term financial objectives include sustaining double-digit revenue growth, expanding operating margin and delivering growing positive free cash flow. The company anticipates revenue growth of 4% year over year in the first quarter of 2023 and at least $3 billion in free cash flow, as well as an operating margin of roughly 21% to 22% for fiscal year 2023. In order to reach those financial objectives, Netflix plans to continue growing its advertising business and launch paid sharing later this quarter to crack down on an estimated 100 million households sharing passwords. "Despite macroeconomic clouds looming over the ad industry, I expect advertisers seeking the chance to reach younger viewers who have abandoned traditional television will likely allocate a greater part of their marketing budget to advertise on Netflix in the future," Investing.com senior analyst Jesse Cohen told TheWrap. FX Chief John Landgraf on State of Streaming TV: 'The Competition Is Beginning to Narrow' On the content side, the company has elevated Bela Bajaria and Scott Stuber to chief content officer and chairman of Netflix Film, respectively, and plans to continue expanding its games offering in 2023, with a focus on Netflix-related IP. Additionally, Netflix will begin experimenting with live programming, partnering with Chris Rock on a standup special in 2023. "It's certainly not goodbye. I'm heavily invested in Netflix success… but it's time for Greg and Ted and the team to lead," Hastings concluded. "Overall, I would say our first 25 years were good and I'm super excited about Netflix's next 25 years being great under our broadened leadership team. Pleasing our shareholders and members is so satisfying and I just want to thank all of you for your support and look forward to continue more progress." From Artificial Intelligence to Profitability: 5 New Rules for Streamers in 2023 | Charts Lucas Manfredi Lucas Manfredi is a TV Business reporter with TheWrap. He has a Bachelor of Science in Television-Radio from Ithaca College. He can be reached at [email protected]. Hilary Duff Is 'Optimistic' About Potential 'Lizzie McGuire' Revival on Disney+ By Loree Seitz | January 29, 2023 @ 4:10 PM 'The Boogeyman' Trailer: Stephen King and 'Stranger Things' Producer Want to Terrify You (Video) Roseanne Barr Returns to Comedy in Stand-Up Special 'Cancel This!' Premiering in February (Video) 'The Last of Us' Release Schedule: When Do New Episodes Air? By Lawrence Yee | January 29, 2023 @ 3:07 PM Colin Farrell, Brendan Gleeson Didn't Want to Spend Time Apart to Get Into Character for 'Banshees of Inisherin' Charter Communications Misses Q4 Earnings as Pay-TV Subscriptions Drop Noah Centineo's 'The Recruit' Renewed for Season 2 at Netflix

Featured Latest News News Two women robbed and assaulted at gunpoint on Interurban Trail June 2, 2022 June 2, 2022 Lynnwood Times Staff 0 Comments 1 min read EDMONDS, Wash., June 2, 2022 – Edmonds Police are asking for the public's assistance in apprehending two armed male assailants involved in an assault and robbery of two women on the Interurban Trail shortly after 6 p.m. on Wednesday, June 1. Both victims suffered minor injuries during the encounter as the suspects struck them with their weapons during the attack. Detectives spent today canvassing the neighborhood where the attack occurred and following up on leads. The incident occurred on the Interurban trail just west of where it intersects with 76th Avenue W. The two suspects ran up behind the two female victims, and each pressed a gun against one of them. One victim was robbed of her cell phone, and the suspects used the victim and the face recognition feature to unlock the phone. Responding officers arrived within minutes of the 911 call and had Fire/EMS provide assistance to the victims. Location of the Assault. Suspect #1 was described as a black male, between 22 to 25 years of age, 5'8″ to 5'10" tall, with a medium build. This suspect wore a black gator mask, black or red hoody, and black sweatpants. The second suspect was a male of dark complexion, between 18 to 22 years of age, 6'0" tall, with a slim build. He wore a teal gator mask, a teal jacket with a zipper in the front, and black sweatpants. The suspect vehicle is a black, early 2000s Nissan Altima with chrome trim around the dark tinted windows. The vehicle did not have a front or rear license plate. Both suspects were seen getting into the backseats of the vehicle before it fled northbound on 76th Avenue W. Anyone with information about this incident is encouraged to contact Edmonds Police at [email protected] or our tip line at 425-771-0212. Community members may also contact their local police department, who can assist with getting the information to the Edmonds Police Department. ← Marysville invests $200K in community service programs Happy National Donut Day → Carmen Best shares the importance of wisdom, perseverance, and togetherness March 2, 2022 March 2, 2022 Olivia Thiessen 0 A Kamiak Knight's Tale: 2022 Year in Review — Campus Life January 13, 2023 January 13, 2023 Lynnwood Times Staff 0 Your June 2022 horoscope June 4, 2022 June 4, 2022 Lynnwood Times Staff 0 Comcast to invest $1 Billion over next 10 years to bridge digital divide March 25, 2021 March 25, 2021 Mario Lotmore 1 City of Lynnwood to use emergency funds to offset $2.2 million budget deficit July 22, 2020 July 22, 2020 Mario Lotmore 0 Amazon, Apple, and Google purge Parler from platforms in continued censorship of social media apps January 10, 2021 January 10, 2021 Mario Lotmore 2 Lynnwood overcast clouds

Do Tibetans Need a Democracy in Exile? In the midway results of ongoing "Online Opinion Poll on 2011 Kalon Tripa Primary Election", 23 percent of participants responded "Yes" and 19 percent responded "Don't Know" to a concluding question, "As a result of the entire Kalon Tripa electoral process, do you believe we, as a Tibetan, are more divided now than before?" Even though the poll lacks a good sampling technique to generalize the findings, from my personal experiences so far, I see indicators of what the 23 percent of respondents may be trying to communicate through their responses. Throughout the process of Kalon Tripa (Tibetan Prime Minister) election, three groups of interested Tibetan electorates emerged: first, the supporters and campaigners; second, the writers; and third, the observers. The supporters and campaigners have been very vocal and clear about their choice of candidates. I see this category not a problem. They help the general public to learn about their choice of candidate via video footage, fliers, fund raising events, and so on. Most importantly, people in this group generally have faces. However, the biggest concern I see is the second group of people i.e., the writers. When I say writer, I mean to include every individual who writes (and comments on) articles, opinions, blogs, notes, pieces, and Facebook statuses. I agree with the role the writers play in the development of our nascent democracy in exile. However, on a flip side, these writers may also play a covert role in misdirecting our nascent democracy to a degree where the will and interest of general Tibetan in democracy will be lost in the transition. We can see an example of such democracy in and around our own country of residence. The definition of writers expanded several folds in recent decades with the enormous growth of social networking sites. Scott Galloway in his presentation on "Trends and Impacts on Digital Competence" highlights Facebook and Youtube are the two major sites that shares the highest global online time spent by web users. Therefore, in this social network age, anyone with an Internet connection and a Facebook account can write, post, and comment; and similarly, anyone with a smart phone can capture a video for Facebook or Youtube. The most recent and remarkable inspiration of this digital competence is the uprising in Egypt where protesters connect and organize via Facebook and shares their video to the world via their smart phones. Even though Kalon Tripa election is in no way comparable to Egyptian revolution, one can see the connection on the popular use of social networking site such as Facebook and Youtube i.e., to share views and opinions on Kalon Tripa election and candidates among the exile Tibetan Diaspora. One of the most popular groups in Facebook on Kalon Tripa election is, "The youths responsibility for Kalon Tripa 2011". On this group wall, a member can see several categories of wall posts, notes, video footage, links, and comments related to Kalon Tripa election and candidates. Unlike the supporters and campaigners, some of the group members, who writes and comments frequently, have "NO FACES". They come with an anonymous profile name and picture which not only makes it easier to be "No One" but also share their opinions with less or no hesitation. These anonymous members are a concern because they share their views and opinions with no accountability and obligation, yet leaving behind a footprint of hatred, disrespect, and division. Tibetan democracy should not embrace faceless Tibetans who do not share a sense of responsibility towards the larger cause i.e., to establish a vibrant society wherein every Tibetan shares responsibility for his or her role in the growth of Tibetan democracy in exile. Remember, democracy is for the people and by the people. It is not for the faceless and by the faceless web users. Let me share three of the postings in this Facebook group in the last 24 hours. These writings are self-explanatory. One member said, "don;t embarrass urself by abusing me again and again, and please, no half truths..if u got an answer..reply..if u don;t know much about it..reasearch well and answer"; the next one said, "don't try to be slimy and twist the workds, do us a favor ..... if you can't do that then damn you"; and another said, "you brought up the drama so the question should be directed towards you". These three postings are directed towards each members of the group. I chose not to quote postings directed towards individual Kalon Tripa candidates. When I read postings and comments in this Facebook group, I reflect on what President Obama said at a press conference on Feb 9, 2009: "The strongest democracies flourish from frequent and lively debate, but they endure when people of every background and belief find a way to set aside smaller differences in service of a greater purpose". On this Facebook group page, I don't see a debate. But, regretfully, I see frequent and lively arguments where a majority of the group members engage in accusing or belittling each other's views/opinions while keeping their biases firm. It seems every member is trying to prove his or her views, generally based on assumptions, as the absolute truth. I don't see learning by debate or discussion among the group members, setting aside their differences in service of a greater purpose. Rather, they dislike each other by using Facebook as a medium to press their opinions. Is this the reason why a quarter of the poll respondent thinks Tibetan are more divided now? Or are there some other reasons? I will leave other reasons for you to think and analyze. Also, please remember it is not only President Obama but also the "Basic Education Policy for Tibetans in Exile" that embraces the importance of setting aside small differences and to focus on working for the greater purpose. The meaning of education is not to be recognized as merely grasping what is heard from others. Instead, it is to be recognized as realization of what is heard through the power of self-confirmation and actualization of what is realized through persistent contemplation (Article 2.2 of Basic Education Policy for Tibetans in Exile). I hope Tibetans recognize and embrace this meaning of education to help flourish our democracy in exile in the right direction, bringing Tibetans closer to each other. Tibetans need to grow with the popular saying, "Unity in Diversity". The final group is the observers. Literally, they are the people with no harm. They confine themselves from writing, commenting, or speaking for anyone or on anything. However, the group is a concern for a democratic society. Democracy works best when it hears the peoples' voices. In other words, in democracy, there should not be a space for "Voice of the Voiceless". On a side note, the entire problem with Tibetan democracy in exile may be its origin. Democracy for Tibetans in exile was not earned. Instead, the Dalai Lama, regardless of resistance from the general Tibetan public, bestowed democracy upon the exile Tibetan populace. The problem, associated with the blessed democracy, is the lack of shared responsibility by Tibetans to study the democratic principles, ideals, values, and citizen's responsibilities among others. The problem seems true among Tibetans as a large number do not share the responsibilities as well as embrace and respect the differences. It needs to be seen how Tibetans will accept the will of the majority when a candidate wins the Kalon Tripa position. Looking at the problems of blessed democracy as well as the divisions created by the Kalon Tripa election, the questions that lingers - Do Tibetans need a democracy in exile? How Tibetan democracy in exile should develop or flourish? Will the future exile Tibetan Diaspora strengthens with the democracy in exile? *Published in The Tibetan Political Review on Feb 23, 2011. Here is the link http://sites.google.com/site/tibetanpoliticalreview/project-updates/dotibetansneedademocracyinexile The Coming Collapse of Tibetan Freedom Movement? Failures of Tibetan Leadership at all Levels: Post March 10 Event in New York Online Opinion Poll on 2011 Kalon Tripa Primary El... An Ode to Egyptian

SEC v. Macquarie Capital (USA) Inc., et al. the Macquarie Capital Fair Fund and Puda Coal Securities Litigation. Class Action Settlements: Funds paid to settle claims in the class action lawsuit ("Class Action") In re Puda Coal Securities Inc. Litigation, No. 11cv2598 (S.D.N.Y.) (DLC) ("Class Action Settlements"). There are separate Proofs of Claim for each proceeding. You do not need to file your trade documentation twice but you do need to file two claims if you are eligible and want to participate in both proceedings. If you did not purchase shares of Puda Coal in the Secondary Offering you are not eligible for the Fair Fund, but you may still be eligible for the Class Action. Please review the Joint Notice for further details about this matter. Copies of the Joint Notice, Fair Fund Claim Form, Class Action Claim Form and other relevant documents can be found under the Important Documents page. June 17, 2016 at 11:00 a.m.

Courage, Commitment, and Community Let's be courageous in the fight for equality, health, & human rights. Work & Impact Contraception & Family Planning Maternal & Newborn Health Population, Health, & Environment Safe Abortion Care Explore Publications Supporting Community Mobilizers to Provide Quality Sexual and Reproductive Health Care in Urban Tanzania In this technical brief, we explore project components designed to support community mobilizers in Tanzania to provide quality services and to build service-seeking behaviors and shared responsibility for health. Find us at an Event Fundraise For Pathfinder DEFINE YOUR LEGACY Other Ways to Give to Pathfinder In addition to donating, you can make a gift in many ways to support the sexual and reproductive health of women and families. HOME / Impact Stories / Not Just a Woman's Issue Not Just a Woman's Issue After decades of using contraception in secret, a husband and wife are speaking out—calling for men to support reproductive rights. In the late 1980s, Rosalida had two pregnancies, one right after the other. "Like twins," she says. The lack of spacing took an immediate toll. Her husband, Evans, worked on a nearby island, leaving Rosalida alone with the children in their grass-thatched house. A baby in each arm, Rosalida couldn't go to the market. She couldn't work. She could barely leave the house. "We had a big problem," recalls Evans. Fearing another pregnancy would plunge the family deeper into poverty, the couple sought information about family planning. Unfortunately, the truth was hard to find. Neighbors and members of Evans's large traditional family threatened Rosalida—if you use family planning, you'll face consequences. Your future children will be disabled. Your husband will take another wife, who will give him the children you won't. To Evans, over late-night bottles of beer, neighbors ranted—Why don't you behave like a man? Maybe it's the wife that's controlling you now. Your wife will become a prostitute. Without a lot of children to take care of, she'll have nothing to do during the day but sleep with men. These kinds of beliefs restrict millions of women from deciding when and whether to have children. Thankfully, Rosalida broke free from the myths. With her husband's support, she found a doctor who could give her facts—and the contraceptive pills she wanted. "We made the decision together," says Rosalida. And for decades, the couple spaced their pregnancies in secret. Now, they're telling everyone. A Model Family Speaks Out Rosalida and Evans are actively involved in a Pathfinder project that's revolutionizing the ways they live, work, and transform their community. Trained by Pathfinder, Rosalida counsels neighbors about their reproductive rights. Evans speaks to groups of local fishermen, breaking down misconceptions and urging their support for women and girls. Both share their personal story. "We are a model household." Evans says, "People copy us. They see we started very low, but we're really coming up. We take our children to school. We pay school fees. We work together as a family." He calls this "the Pathfinder way." "Less children means I am free to work," says Rosalida. Rosalida farms, sells fish at the market, and shares knowledge that can save the lives of women and children. She's become an influential leader in her church and local government. This is the better future she wants for the next generations of Kenyans, starting with her own daughters. "Pathfinder went to the school to teach the children," says Rosalida. The couple's youngest children, Alice and Mercy, were there. "They learned the benefits of family planning," says Rosalida. "They became free." Every girl deserves the same choice. Your gift can make a world of difference in advancing sexual and reproductive health and rights for women, men, and young people around the world. Get involved in changing a life. Join Pathfinder in advocating for women and girls everywhere. Other Impact Stories explore where we work She was pregnant almost every year. She needed a choice — and the power to protect her island You take a boat — over an hour across Lake Victoria, the world's largest... In Egypt, Fighting for Women's Futures In Egypt's poorest governorate, outside everything looks gray—the narrow... Emergency on the Island For the last few hours, Neema Gerevas has been in labor. On a plastic chair... Stay updated on our efforts toward better sexual and reproductive health © Pathfinder International 2020. Pathfinder is a 501(c)(3) | EIN: 53-0235320

Elliot Worsell elliotworsell FacebookTwitterPinterestLinkedInRedditEmailStumbleUponWhatsApp Boxing News At Five Boxing News at Five: UFC star Masvidal says he is a 10 times better athlete than Canelo, Pacquiao targets March or April return Elliot Worsell Tom Hogan/Hogan Photos/Golden Boy Promotions UFC contender Jorge Masvidal is decidedly unimpressed by Canelo Alvarez, and Manny Pacquiao remains the focus for Amir Khan THOUGH it's unlikely he will ever get the chance to prove it, UFC fighter Jorge Masvidal says he is "10-times the athlete" boxer Saul 'Canelo' Alvarez is and suggests it takes more to be a mixed martial artist than it does to be a boxer. The popular welterweight, recently seen stopping Nate Diaz in New York, has been calling for a fight against Alvarez for a couple of weeks now and doesn't seem in the mood to settle down. In fact, he is now adamant he not only wants to box Alvarez – in a ring, in his domain – but that what he does in the Octagon is beyond the capabilities of the Mexican superstar. "I consider myself 10 times the athlete [Canelo] is just because of MMA in general," Masvidal told the Dan Le Batard Show on ESPN. "All the strength, speed and power you have to generate – to throw one kick is like throwing 10 right hands. The energy it takes to wrestle and pick somebody up in the air… boxing's just your weight, nobody cares. "If I could shift those energy blocks and bring them down to boxing where I'm throwing 80 or 90 punches a round, I feel I could hurt this dude. "I definitely agree that if [Alvarez] was to go to MMA, it wouldn't be a challenge because I've thrown 10,000 left high-kicks in a month and he's never done one. "It's kind of the same thing to boxing, where if I've thrown a million jabs, then he's thrown 10 million because that's all his focus. "That being said, there's still an element that I could put his a** to sleep. Maybe I don't hit harder, but I'm definitely bigger." The last time a mixed martial artist shared a boxing ring with a professional boxer it didn't turn out well for Conor McGregor in Las Vegas. However, Masvidal says a fight between him and Alvarez would be a different proposition entirely and that the awkwardness McGregor brought to the table against Mayweather would be just the tip of the iceberg. "I could definitely make a statement and even it out for MMA, my sport," he said. "There [are] still things in boxing that are a part of boxing. "I just feel I could beat him up in some areas. Does he have a better jab and left hook than me? Yeah, of course. But there's still elements where I could make it awkward for him, just like Conor did to Mayweather. "Those are the mountains I like to scale. If I'm going into boxing, I want the best guy they got." Somehow Masvidal's logic is both admirable and flawed. Masvidal beats Diaz Manny Pacquiao's a busy man and these days his fight schedule has to bend to his work as a senator in his native Philippines. This, in addition to his advancing age, means we don't get to see the multi-weight world champion fight as often as we would like. It also means that when he does fight, he tends to make it count. Now 40, Pacquiao was last seen knocking down and outpointing Keith Thurman to win the WBA welterweight title in July. He has been inactive since then but will return to the ring in April or March according to Sean Gibbons of MP Promotions, who confirmed Pac-Man is expected to fight "in the first quarter" of 2020. With the Senate in recess between March 14 and May 3, this makes sense for Pacquiao, who told the Manila Bulletin: "I can fight in March, April because the Senate will be on break during that time." As for his opponent, the shortlist for now appears to consist of Mikey Garcia, Danny Garcia and Shawn Porter. However, Amir Khan, a man often linked to a fight against Pacquiao, isn't giving up the ghost and remains hopeful of being chosen to finally make some Pacquiao money in 2020. "Manny Pacquiao or [Floyd] Mayweather or someone big like that," Khan, a former training partner of Pacquiao's, told IFL TV when asked who he would like to fight in 2020. "I want to be back out in March next year. A few fights we're looking at. The Kell Brook fight." As unlikely as it has seemed for about five years, it's fair to say at this point there's probably more chance Amir Khan shares a ring with Kell Brook in 2020 than Manny Pacquiao. But who can blame a Bolton boy for trying? Pacquiao motors on (Stephanie Trapp/TGB) Tagsamir khan canelo alvarez Jorge Masvidal manny pacquiao Feature • Issue Editor's Pick – The highs and lows of being a reporter at a Las Vegas Fight Week History • Issue • Premium A Brief History of Southpaws Feature • Issue • Premium The Power List – The 50 most powerful figures in boxing today The 10 best fights to make in 2021 ozzy says: Nov 18 2019 at 5:21 pm Jorge Masvidal is clearly desperate for cash and luckily as he's now 35 he's in the age range (35 & over) that all Canelo opponents now have to be in.

Is "blockchain" just a buzzword? The temptation to see it that way is strong. After all, it wasn't too long ago everyone was stacking cans of baked beans in their basement ahead of the of the Y2K "apocalypse". Tech comes and goes, and so do the hype cycles that come with it. Plus, with AI, VR and the other techie acronyms to keep up with, it's only natural to wonder which ones are actually worth your time. So, should you take a minute to learn about blockchain? Despite the doubters and skeptics, the global blockchain market is already big — very big. In fact, it's predicted to reach $2.3 billion by 2021. Though much of the hype about blockchain replacing real estate agents is definitely exaggerated (more on that in a minute), a market that size is bound to have an impact. Here's a complete update on the latest developments in the blockchain and the impact on real estate. The blockchain has been compared to the internet in its earliest days, mostly because of how wide-reaching and impactful — yet completely misunderstood — it is. That can sound a little scary at first read, but only if you think of yourself as a "middleman". That's right. In case you haven't heard, there have already been plenty of examples homebuyers purchasing properties with bitcoin (though at the moment, this is simply being transferred back into cash). Which brings us to our next blockchain-tech term, cryptocurrency. As the name implies, a cryptocurrency is a digital asset. It's an application of the blockchain. For years, the idea of using cryptocurrencies like Bitcoin without any intervention from a bank or other financial intermediary was seen as totally "out there". Now, you can't take three steps to left without running into someone who's investing in the stuff. Bitcoin – This is the very first cryptocurrency created in 2009. Ether – This is the key currency of the Ethereum smart contracts platform that was released in 2015. Ripple – This digital currency is actively used by banks and was created in 2012. Great. Now that we're clear (or at least, clearer) on what the blockchain is, let's take a closer look at how it can transform the real estate industry. No matter how hard you champion for your clients, you've got to admit, the real estate process is anything but simple. There is a ton of time, paperwork and of course, money that goes into managing a real estate transaction. The regulatory, financial compliance and admin burden is a headache and can sometimes add way too many hours (or dollars) to the deal in question. Even if you have the best transaction manager in the world, you've got to admit there are plenty of places in the industry where a little disruption wouldn't be such a bad thing. Take, for example, the fact that despite 51% of homes purchased in 2017 were found online, many landlords still want a check in the mail. This is where blockchain works its magic. Here are some of the latest trends in blockchain that are already making a mark on the real estate industry. Experts predict that the future of real-world assets and ETFs is "tokenization". This is where assets are "digitized" into tokens on the blockchain, enabling buyers and sellers to trade "units" in real estate directly between each other online. Tokenization is the aspect of blockchain technology that has perhaps the biggest potential for taking the admin pain out of the real estate transaction process. "We need a better way to transact and own real estate. And today's existing models have typically not allowed that level of access…Tokens, or digital shares, do an amazing job of not only allowing asset owners to [convert their assets into shares] but allow investors to trade them among themselves," says Mo Shaikh, co-founder of Meridio. Fractional ownership takes the logic of tokenization a step further, making it possible for unrelated parties to share ownership of a high-value tangible asset like a yacht, or real estate asset. You may have already heard about smart contracts. These are essentially digital contracts that combine ID verification and escrow into one simple step. Smart contracts are verified by and visible on the blockchain, making them 100% transparent. Here's how Victor Wong, co-founder and CEO of BlockApps (a platform for creating and managing blockchain apps) explains how the blockchain can add some well-needed trust to the transaction management process. "You have a network of computers and when a transaction comes, that network looks at the transaction and verifies that it's valid based on a set of rules embedded in the network. A simple example might be a funds transfer. Does this person have enough assets to make the transfer? If a majority of the network agrees that they do, then it goes into a database that is synced across the entire network. The network itself verifies the data," he says. Will Deedcoin be the biggest disruptor since Zillow? Only time will tell. That's all great at the high level. But what about the practical side of blockchain? Is there anything you can do with it right now to help wow your clients? The answer to that depends on what you want. Here are some of the early blockchain tools that cutting-edge agents are already using in their businesses. CryptoProperties – This is a real estate transaction management system that allows the buyer, seller and their agents and reps to close transactions in a more secure and transparent way via the blockchain. Propy – Propy is a digital real estate marketplace with a decentralized title registry. In August 2017, the startup collaborated with the government of Ukraine to allow foreign investors buy real estate based on blockchain. TechCrunch founder Michael Arrington made waves in the industry when he bought an apartment in Kiev via a blockchain transaction in October 2017. Brickblock – Brickblock is a smart contract platform that lets users invest cryptocurrency in tokenized real-world assets like real estate or investment funds. Atlant – This is an international real estate blockchain platform that offers tokenized ownership and peer-to-peer (P2P) rentals. Harbor – This is a blockchain platform that claims to have found a way to turn real estate into a liquid asset with digital, tokenized securities. Ubitquity – This SaaS blockchain platform and API helps with real estate record keeping. The platform allows lets users input property info and record documents via the blockchain. It also boasts the world's first property ownership transfer, which was made via the Ubitquity platform in June 2016. SMARTRealty – This blockchain tool applies smart contract technology to everyday real estate transactions like rental and transaction agreements. What does blockchain mean for real estate agents? Though fears that the blockchain will make real estate agents redundant still run rampant, many experts argue that nothing, not even something as powerful as blockchain, could replace the very valuable and undeniably human role a real estate agent plays in the process. The way they see it, blockchain won't replace agents, it will make them more effective by helping to give them access to easy and secure transactions and data-sharing. On a technical level, brokerages, lawyers, and bankers can all be bypassed by using cryptocurrency to buy or sell real estate via the blockchain, but could it really replace the feeling you get when you work with an agent who really gets you? We doubt it. Ready to take your real estate business to the next level? Try Follow Up Boss for free!

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Last month was my first Digital Summit experience in Phoenix. DSPHX was an event of firsts for me: meeting the force of nature that is Beverly Jackson plus the legend and co-founder of Apple Steve Wozniak. I also had a chance to see several really impressive speakers for the first time including Mack Fogelson and Eric Yale. I was impressed! I can imagine Digital Summit Los Angeles being a great experience too. The speaker list for DSLA is an amazing collection of thought leaders including Woz and Beverly, industry experts like Michael King, Jim Boykin and Michael Barber and a huge group brand and publisher speakers from companies that include: Facebook, Google, LinkedIn, Pinterest, Adobe, Forbes, IBM, The Economist, BET Network, Inc Magazine, Wells Fargo, GE Digital, BMC Software, BusinessWire and MIT. Over more than 40 sessions, the topics covered include everything from data informed marketing to visual storytelling and purpose driven marketing to content marketing with influencers. Of course, I'm a fan of that last topic since it is what the focus of my closing keynote presentation will be about: How to Supercharge Your Content with Influencer Marketing. Confluence rules. Content Marketing with Influencers is an area of deep focus for me that I've been experimenting with for many years and that our agency has been implementing for clients that range from a $180Bn Fortune 5 company to mid-market companies like ClickSoftware to small companies like Pandora Mall of America. The fundamental message of my keynote presentation is that marketing with content is harder than ever and if your company doesn't do something to break through information overload and distrust of brand content, you'll lose the ability to attract and engage customers. The solution is a content marketing framework for strategically engaging with influencers to increase content quality, quantity, reach and engagement across the customer journey. At the same time, I'll talk about how to build relationships with internal, industry and community influencers to increase advocacy. To back up the best practices, I'll share trends and insights our influencer marketing research that we partnered with Influencer Relationships Marketing platform, Traackr, on. Brian Solis of Altimeter analyzed the findings and wrote up an impressive research report, Influence 2.0: The Future of Influencer Marketing that attendees will be able to see. The Influence 2.0 report delivers crucial findings and covers important insights about the maturity of influencer marketing within large enterprise companies, budgets, top goals and areas within the organization that are most impacted. Brian also shares the intersection of influencer relations with customer experience and digital transformation. If that wasn't enough, he includes a 10 step framework for implementing an influence 2.0 approach. My keynotes are "inspractical" = Inspiration + Tactical. Overall, I'll touch on the best parts of the research report, include trends, best practices and share successful B2B and B2C examples of influencer driven programs to inspire attendees going forward. If you're a marketer in Southern California, this is a can't miss event! Registration, Agenda, Speakers and full conference information here. The post Supercharge Your Marketing at Digital Summit Los Angeles #DSLA appeared first on Online Marketing Blog – TopRank®.

Somewhere on one of your social media feeds, a concerned parent, teacher, or anti-tech advocate shared a HP blog post that proclaimed "10 Reasons why Handheld Devices should be Banned for Children Under the Age of 12!" While anyone can come up with an eye-catching title (even me), the tricky part is ensuring that there's some substance under the heading. The author, Cris Rowan, refers to research studies to support her claims; but, scientists everywhere were up in arms about this 'hack-ademic' writing. As science writer Melinda Wenner Moyer points out in her response and David Kleeman details in his own list, the original post oversimplifies the scientific research and there are far too many gaping holes in the conclusions that have been drawn. Both Moyer and Kleeman clearly outline the many ways in which the scientific 'proof' for her claims are largely nonsensical and deeply flawed. I will leave it to the experts to tear apart the science portion of Rowan's article; to me, the most mind-boggling part of the viral post was its title. Ban handheld devices? A title like that will certainly explain the 350k shares on Facebook, but I am sincerely hoping that the number of shares indicate that this post is like one of those BuzzFeed lists – meaningless, humorous, and ridiculous. There isn't a single reason on the 10-point list that supports the banning of handheld devices for children under the age of 12. But, there are plenty of reasons why banning handheld devices is no different than banning alcohol for adults. There's an analogy you never thought you'd hear. Overuse may do harm; but, when used in moderation it can be beneficial. Yes, too much screen time is harmful for children. I don't need to refer to the countless studies that have shown this to be true. My mother was the first to scream it from the kitchen when my brother watched more than a half-hour of TV after school – and that was three decades ago. The slew of research quoted in the original post indicates that screen time should be supervised and moderated, not banned. The use of tablets in the classroom has been a game-changer. Just ask special education teacher Neil Virani. Virani tells VentureBeat that 35 minutes out of the box, he witnessed his student with Cerebral Palsy who only had proficient use of one finger write his name for the very first time using his new iPad. Or you could ask the thousands of students with Autism who use apps like Tap to Talk to communicate. Their families will tell you the difference it has made in their confidence, ability to express themselves, and interpersonal relationships. Just ask teachers who use these devices to open the doors to a world of knowledge, learning, and creativity that simply can't be bound in textbook form. They'll try to explain the difference between showing a child the world, and letting a child explore and discover it in novel ways. So, before we call handheld devices the devil, let's consider that perhaps it is not the device that is to blame, but the users. Please remember that a tablet is not a babysitter. So long as parents don't substitute an iPad for good ol' fashioned parenting, the use of these devices can be more beneficial than harmful. You're either a techie parent, or you're not. And, if you fall in the former category, you'll have no problem sitting with your child and exploring various educational apps on the iPad together. No ban will stop you from doing so. No amount of misrepresented scientific research will stop you from doing so. The techie parent sees it as a teaching tool to expose their child to the world of literacy, numeracy, and science. They see it as an opportunity to show their child the importance of media literacy, teach them to critically analyze online content, and encourage them integrate technology into their lives in a manner that is healthy and balanced. When the ban is lifted, you're screwed. Truth be told, in this day and age, where even the least tech-iest of the bunch still manages to take photos and edit documents using a handheld device, it's no wonder our children are discovering these little toys for themselves. As the iPad generation grows older, their ability to use handheld devices will be like any other indispensable life skill, like tying shoelaces or coloring in the lines. And, the poor children that haven't been exposed to the world of technology will face tremendous challenges following their thirteenth birthday when the ban is finally lifted. It won't be pretty. I'm no stranger to the concept of neural pruning. I spent four years in University staring at cross-sections of brains that may have left me slightly cross-eyed. I know that our brains are learning much faster in the first two decades of life than thereafter, but that doesn't mean our brains are immune to damage after the age of 21. So, until we adults agree to put down the glass of wine, turn off our cell phones, unplug our microwaves, eliminate sugary foods, ban cigarettes, and remove any trace of the hundreds of known brain-damaging objects that populate our homes and communities – should we really be telling the kids to toss out their handheld devices? I think not. I am supply teaching in the high schools and yes, trying to vie with electronic devices is very, very frustrating. Just ensuring some basic housekeeping information gets relayed to the class takes an inordinately long time. The students say they are good at multi-tasking, but you can only multi-task very simple, already well-known tasks. Learning new material is not something that can be multi-tasked so they are actually switch-tasking. Soooo much time is wasted; it is a very unproductive way to operate in a classroom. Yes, once in a blue moon the technology is used for something related to the lesson plan; the other 99.9%, not. Before I am accused of being 'non-techy', let me say I was a computer science major in the 70's and loved computers and the potential I envisioned for the future. In my experiences, classroom management is always a challenge coming in as a substitute teacher. I'm sure competing with a screen doesn't make it any easier. However, that being said, my experiences are very different than yours. I have found that the use of educational technology makes the curriculum concepts relatable for my students. Finally, school isn't a place where they find computers older than the kids; instead, they are engaging in their own learning using the tools they enjoy using in their free time: twitter, blogs, etc. As you know, Joanne, I have taught everything from K-12, and have experienced incredible success using tech in my classroom. For me, the key has always been ensuring that the use of it is monitored, structured, and with specific learning goals in mind. Even more importantly, like I've mentioned in the blog post, this is a skill that is indispensable in today's world. Regardless, of what career path my students will take, they WILL need to be technologically literate. Isn't it our job as teachers to prepare our students to be productive members of society? Banning handheld devices would be counterproductive to this end goal.

De Gea dip sums up United slump as Silva marks milestone in style - the Premier League Data Diary The malaise at Manchester United has spread to David de Gea as portrayed by the Opta stats in the latest Premier League Data Diary. David De Gea reacts during the match between Brighton & Hove Albion and Manchester United. - Getty Images Has the dreaded 'third-season syndrome' already descended on Jose Mourinho and Manchester United? Murmurs of discontent at Old Trafford will only grow after a lacklustre 3-1 loss at Brighton and Hove Albion continued a dispiriting few months that has led to even the previously untouchable David de Gea suffering an alarming statistical slump. Jose Mourinho does, at least, have three points more than Unai Emery, who was left searching 32 years into the past for company among slow-starting Arsenal bosses following a 3-2 defeat to Chelsea. There are no such concerns at Etihad Stadium, though, where Manchester City's routine 6-1 win over Huddersfield Town came with an impressive new scoring mark for Sergio Aguero, while David Silva made a long-awaited dead-ball breakthrough. SEAGULLS A SLIPPERY MENACE FOR MAN UTD Having signed off from Amex Stadium last season with a win against United, Brighton resumed in much the same fashion on Sunday, upsetting Mourinho's men again. United let in three first-half goals for the first time in the Premier League since October 2015, with the usually reliable De Gea now having conceded 10 from the last 14 shots on target he has faced for club and country. RELATED | Brighton 3 United 2: Murray lifts Seagulls to another win over Mourinho Romelu Lukaku's strike during an entertaining first half means he has scored against 18 of the 20 current top-tier teams, but United could not force a second until deep into added time, with Paul Pogba's penalty ending his run of 11 unbeaten Premier League matches in which he had netted, meaning he shares the record with former Liverpool forward Ryan Babel. Defeat represents the first time United have lost its away opener since 2012-13, with Brighton becoming something of a bogey team for Mourinho - only Chelsea has defeated the Portuguese more times since he arrived at Old Trafford ahead of the 2016-17 campaign. SUPER SERGIO TERRORISES TERRIERS City has wasted no time in again setting the standard, cruising back to the top of the fledgling table by lashing six past Huddersfield, which has now conceded nine goals in its opening two games, just one less than the record 10 Wigan Athletic shipped in 2010/11. Aguero instigated the carnage, scoring twice in the first half. A late third pushed him level with Robbie Fowler on nine Premier League hat-tricks. Alan Shearer, on 11, is the only man to have registered more in the competition's history. RELATED | Manchester City 6 Huddersfield Town 1: Aguero hits hat-trick as champion triumphs Ederson's raking pass set up Aguero's opener, making the former Benfica man the first goalkeeper to assist a Premier League goal for City. To cap it all off, the majestic Silva got in on the act by converting a direct free-kick in a top-flight league match for the first time in his career, marking his 250th Premier League appearance in style. EARLY BLUES FOR EMERY Emery's difficult start to life at Arsenal continued, as he became the club's first boss to lose his each of his two opening games in charge since Steve Burtenshaw in 1986, while Chelsea improved its Stamford Bridge record against the Gunners to six home wins in seven attempts, the exception being a 0-0 draw last season. There was some consolation for Arsenal with its two goals matching the number it had managed in its previous six visits to Chelsea. RELATED | Chelsea 3 Arsenal 2: Alonso snatches win after Gunners comeback Pedro, Alvaro Morata and Marcos Alonso got the goals for the home side, with the latter scoring and assisting in the same Premier League game for the first time. Alonso also improved his record to a combined 20 goals and assists since his Blues debut in September 2016 - seven more direct goal involvements than any other defender in that time. Cesar Azpilicueta, starting on the opposite flank to Alonso, assisted Morata for the seventh time in the last two seasons. That link-up represents the joint-best such partnership, with Jamie Vardy and former Leicester City team-mate Riyad Mahrez previously holding the honour outright. GRAY HAS HORNETS BUZZING Comfortable 2-0 winners over Brighton on the opening weekend, Watford picked up right where they left off against Burnley when Andre Gray volleyed his side ahead inside three minutes at Turf Moor. The goal, which came just 160 seconds into the match, was the club's quickest away from home in the Premier League, and also brought a welcome end to the Hornets' run of 730 minutes without netting on the road. RELATED | Burnley 1 Watford 3: Hornets end away day woes as Deeney leads destructive display Troy Deeney and Will Hughes joined Gray on the scoresheet after half-time to sew up a 3-1 victory, meaning Watford have won their first two top-flight matches for only the second time. On the previous occasion, in 1982-83, they finished second behind Liverpool. Burnley, in contrast, are now winless in seven successive Premier League matches, having settled for a dour 0-0 draw at Southampton in their league opener.

Daily Market Highlights OCT 20th Home/Market Walk/Daily Market Highlights OCT 20th Adani group commits 70% capex until 2030 to energy transition September Quarter 2021 results of Hindustan Unilever Reliance Retail Acquires 52% Stake in Ritu Kumar Axis AMC ties up with Inversion Group Challenges abound as Tata draws up flight plan for Air India Moody's upgrades banking system outlook to 'stable' L&T Group shares in demand; L&T hits record high Nomura downgrades RIL on steep valuations, telecom tariff hike delays LinkedIn unlinks from China Adani Group plans to invest $50-70 billion in the renewable energy value chain. This will happen over the next 10 years, as announced by Gautam Adani in the side-lines of the UK Investment Summit. The Adani group is betting big on becoming the world's largest producers of green hydrogen. All companies in the Adani group have already made this green commitment. Adani also added that over 70% of planned capex until 2030 will be in sustainable technologies. Adani plans the world's largest renewable portfolio by 2030. Hindustan Unilever announced stellar numbers for the Sep-21 quarter. However, while broad recovery has helped, it has also issued warnings of inflationary challenges. While income rose by 9%, the costs rose by 12%, showing a clear sign of producer inflation hitting costs. HUL expects these inflationary trends to persist for a longer period. The inflation warning led to the stock slipping 4% despite good results. During the quarter, certain specific cost heads like energy, raw materials and freight saw a sharp upward spike. Just a week after Reliance Retail Ventures announced purchase of stake in the Manish Malhotra couture, it has announced a 52% stake in the Ritu Kumar line, another premium upmarket brand in India. The value of the transaction was not disclosed. Reliance also took over the complete 35% stake of Everstone as part of the deal. Ritu Kumar conducts its business under 4 fashion brand portfolios. This is part of the effort by Reliance Retail to build a complete Omnichannel platform to cover both proprietary and marque brands. In a first of its kind, Axis Asset Management and Inversion Advisory Services will partner on their strengths to invest in underperforming companies. They will jointly raise Rs.3,500 crore under the AIF registration of Axis AMC, which will be the investment manager. Inversion will provide the support to buy companies with its team of functional and industry experts. The main aim of the fund is to buy controlling stakes in pre-stressed, stressed, distressed and underperforming assets. Turnaround investing is the next big story. The $2.4 billion purchase of Air India may give Tata Sons the access to valuable flying rights and landing slots but will come with its own set of challenges. The integration alone could cost Tata Sons $1 billion and a plethora of problems will have to be first addressed. Financial troubles mounted for Air India since the mid-2000s and after merging with Indian Airlines in 2007, Air India has been consistently making losses each year. Air India had 19.3% of global air travel before the pandemic, which Tatas will look to leverage. Moody's upgraded the outlook on Indian banking system from "Negative" to "Stable" in the midst of the asset quality stabilizing and enhanced capital buffers. Moody's has also pointed out that the improving operating environment should support asset quality. As a result the effective credit cost is expected to come down. Moody's also added that while the quality of retail loans had deteriorated, the quality of corporate loans had improved. Capital adequacy sharply improved from 9.9% in FY19 to 11.1% in FY21. India's largest capital cycle company, Larsen & Toubro, is on a virtual roll. In fact, L&T, LTI and LTTS, all hit their respective highs on the back of positive corporate developments. Both LTI and LTTS reported strong quarterly numbers and that has favourably impacted stock prices. L&T, meanwhile, scaled a record high of Rs.1,854 as it emerged as the lowest bidder for the first three buildings of Common Central Secretariat under Central Vista redevelopment project at Rs.3,141 crore. L&T continues to have a robust order book. In a surprising move, Nomura has downgraded Reliance Industries citing rich valuations. The stock has been in the midst of a dream run and this downgrade is likely to pause investors. This is all the more a surprise considering that results are expected on Friday. Interestingly, this is the first time in many years that Nomura has downgraded the RIL target. Nomura has not problems with the business, but just feels there is too much front in valuations. Since the end of July, Reliance stock has gained more than 30%. Microsoft (MSFT) is set to shut down LinkedIn in China as it faces harsher internet censorship in the country. The company will launch a China-specific version of LinkedIn later this year for job searching. But it won't have LinkedIn's social media features. LinkedIn was the last major U.S. social network still operating in China.China remains a small part of Microsoft's business, contributing less than 2% of its overall global sales. However, for a social network like LinkedIn, international growth is often the biggest source of new user growth. Leaving China could result in a drop off in revenue and subscriber growth. Guess the China's LinkedIn equivalent network and do write in the comment section below Go global with us – get exposure to hi-tech, futuristic companies. Click here to invest in Global Market. Daily Market Highlights OCT 2021 Know positives, negatives and risk factors before investing in US IT stocks Inflation concerns, rising crude oil prices hint at mounting risk for US stock markets, says Chris Wood

Effective October 29, 2010, CME, CBOT and NYMEX will reduce the requisite number of CME Group Class A shares ("shares") that clearing and corporate equity members of CME, CBOT and NYMEX ("equity member firms") are required to have assigned for their member firm privileges. The share reduction will affect CBOT Clearing Members, Rule 106.I. Affiliate Equity Member Firms, Rule 106.J. Equity Member Firms and Rule 106.S. Family of Funds Equity Member Firms which have an 8,000 share requirement.

LAUNCH PADS Elon Musk houses for sale after pre-baby 'own no houses' rant on social media Patrick Knox 16:56 ET, May 5 2020 Updated: 17:11 ET, May 5 2020 ELON Musk has put two of his lavish Californian mansions on the market just days after his bizarre Twitter rant about selling off his physical possessions. As his partner prepared to give birth, the eccentric entrepreneur vowed to put the homes on the market in a bizarre Twitter rant on Friday, writing: "I am selling almost all physical possessions. Will own no home." One of the properties is a $9.5 Million 2,756 sq. ft ranch which is rumored to be the previous home of late movie star Gene WilderCredit: X17Online.com The other one for sale is Musk's lower Bel Air estate overlooking the Bel Air Country ClubCredit: X17Online.com The sales emerged as the Telsa boss today tweeted photographs of his newborn son with singer Grimes on Tuesday. In the same Twitter rant Musk declared that Tesla's stock price was "too high" which caused his companies' shares to plummet almost 11 per cent and erasing around $13million from its market value. Then on Monday it was revealed that Musk had put two of the Bel Air homes up for sale for a combined $39.5million. Stunning aerial photos offer a detailed look at the two homes that are now on the market. Musk spent the past seven years building what can only be described as a mini real estate empire in the celebrity enclave of Bel Air by snapping up six properties within walking distance from each other. Elon Musk's intention to sell all his worldly goods hasn't gone down well with his partner The first home for sale is Musk's lower Bel Air estate overlooking the Bel Air Country Club which he bought in 2012 for $17million but has been listed for $30million on Zillow. The 16,251-square-foot mansion boasts six bedrooms, 11 bathrooms, a two-story library, swimming pool, and a tennis court. It also includes a gym, pool, a wine cellar, fruit orchard and a five-car garage. The second home, which has been listed for $9.5million, used to be owned by the late Willy Wonka actor, Gene Wilder, who died in 2016. It has five bedrooms, 4.5 bathrooms, an oval pool and a private guest cottage. Elon Musk has been keeping up his reputation of bizarre tweetsCredit: AFP Elon Musk shared the first photos of his newborn son with singer Grimes on Twitter on TuesdayCredit: Twitter In November 2013, Musk purchased the three-quarter-acre Bel Air home for $6.75million. In one of his Friday tweets, Musk said he would sell the home, but said: "Just one stipulation on sale: I own Gene Wilder's old house. "It cannot be torn down or lose any its soul,." He also said: "'Don't need the cash. Devoting myself to Mars and Earth. Possession just weigh you down." Despite his Friday Twitter rant, Tesla shares were up 4.5 percent on Monday. When asked by The Wall Street Journal if the tweets were a joke, Musk replied: "No." Tesla's value plummets by $14B after founder Elon Musk's bizarre Twitter outburst claiming he's selling his possessions

Taylor's University is Top 90 in Asia SUBANG JAYA, Malaysia, Nov. 26, 2020 /PRNewswire/ -- Taylor's University continues to break barriers as the institution is now ranked 89 in Asia according to the latest QS Asia University Rankings 2021 exercise. Rising 90 ranks since 2016, the University made positive strides in Academic Reputation, Employer Reputation, Internationalisation and Faculty -- Student ratio. Taylor's University Vice Chancellor and President, Professor Michael Driscoll, shared that the institution's sterling QS ranking performance was a result of radical administrative and curriculum reforms. Taylor's University Vice Chancellor and President, Professor Michael Driscoll shared that the institution was anticipating this achievement following an outstanding year in various QS rankings exercises. Taylor's University kicked off 2020 by attaining the top private university in Malaysia and Southeast Asia position in the QS World University Rankings 2021. Following that, the institution broke into the QS Top 50 Under 50 2021, making it the only Malaysian private university to be ranked within the coveted Top 50 Under 50. The achievements are the results of a massive team effort at Taylor's and close engagement with industry partners. "Despite the unprecedented pandemic, our vision of radical administrative and curriculum reforms has served us well, as we accelerated our digitalisation efforts to pave the way for innovation in teaching and learning. Our online learning, which has ensured learning continuity for our students throughout the government enforced campus closure, was subsequently awarded the QS 5 Stars rating. Following this, we will continue to push forward with our Borderless Learning concept and a unique ecosystem that future-proofs our graduates with intellectual knowledge, emotional capacities and entrepreneurial creativity to tackle the challenging job market," said Professor Driscoll. The institution's Borderless Learning initiative, via its award-winning Virtual Learning Environment, enables local and international students to attend classes in either face-to-face or online mode, while engaging in discussions and projects virtually. The initiative includes Taylor's Lecture Capture System (ReWIND), Lightboard Technology, a gamification system and hundreds of subject-specific microsites. Source: Taylor's University Keywords: Education Higher Education Taylor's University among the world's top flight in latest QS rankings Taylor's University Continues Its Reign in QS World University Rankings by Subject 2020 Nexus International School (Singapore) announces issuance of SGD150M of S&P AA-rated bonds Taylor's University Accelerates Towards Top 100 in Asia Taylor's Gears Up For The Future Taylor's University is in the Top 1% in the world Hang Lung Collaborates with The Hong Kong University of Science and Technology to Foster Young Mathematics Talents New Oriental Announces Appointment of Mr. Zhihui Yang as Executive President Color Star Technology Announces Luo Dayou Concert is Now Live on the International Version of its Color World App Acer Unveils Tough New TravelMate Spin B3 Laptop for Classrooms Puxin's Chairman and CEO Completed Purchases of 3,478,542 Ordinary Shares CES 2021 AI-powered Language Platform Glossika Raises the Bar for Online Learning as the World Normalizes the Use of Mobile Devices and PCs in Education

May 14, 2015 Posted by Raúl Ilargi Meijer at 10:32 am Finance Tagged with: Baltimore, bonds, capitalism, central banks, Chicago, euro, Greece, honeybees, lifeboats, socialism 6 Responses » Walker Evans Street Scene, Vicksburg, Mississippi 1936 • The US Economy Is Signalling An Iceberg And We're Out Of Lifeboats (Guardian) • Central Banks Are Running Low on Ammunition (Bloomberg) • America's Future Got $7 Trillion Worse Since the Financial Crisis (Bloomberg) • The US Economy Has Left Behind 20 Million Americans (MarketWatch) • Epic Global Bond Rout Is A QE Success Story – But It Won't Last (AEP) • Foreign Money Pours Into US Real Estate, and It's Not Just Houses (Bloomberg) • Greece Will Stay In Euro Even If It Defaults, Renzi Adviser Says (Bloomberg) • Greek Minister Sees 'Only 10%' Chance Of Failure In Creditor Talks (Bloomberg) • Greek Government Mulls Reforms With Eye On Deal As Some Resist (Kathimerini) • The Greek Bailout Crisis Didn't Have to Happen (Slate) • The World's Top Currency Dealers Are 'Untouchable' (MarketWatch) • Five Reasons Chicago Is in Worse Shape Than Detroit (Bloomberg) • Many Americans Agree With Bernie Sanders' Brand Of Socialism (MarketWatch) • "We The People" Need To Circle The Wagons: The Government Is On The Warpath (ZH) • The Secret Corporate Takeover Of Trade Agreements (Stiglitz) • 2600 People Arrested Since 2012 Too Injured To Enter Baltimore Jail (CopBlock) • Is The Only Purpose of a Corporation to Maximize Profit? (Bruce Bartlett) • McCain, Saakashvili Appointed To Ukraine Reform Advisory Team (RT) • Pope Francis to Congress: Capitalism Must Change (Bloomberg) • Over 40% Of US Honeybee Colonies Died In The Past Year (WSJ) "This could be the start of a worrying trend." Huh? The start? As the economic news from the eurozone improves by a notch (although not in Greece, inevitably), US consumers are sending the opposite signal. Sluggish retail sales in the first quarter of the year were, we were told, caused by a cold snap. There would be a spring bounce, investors assumed, as supposedly confident Americans spent their windfalls from the lower oil price. Well, it didn't happen in April: yesterday's figures were flat, and the weather-related explanation is wearing thin. This could be the start of a worrying trend. Indeed, if Americans are preferring to use excess cash to pay down debt, it's hard to see why they would change their minds now. The oil price has started to rise again and long-term bond yields are also on the up, reducing opportunities to remortgage at a cheaper rate. Economists assume that this "soft patch" for the US economy is now so soggy that the US Federal Reserve will, again, postpone its attempt to raise interest rates. A hike next month is seen as a non-starter; it will come in September, at the earliest. But what if the run of weak numbers points to something more severe? On cue, HSBC economist Stephen King yesterday published a weighty analysis titled "the world economy's titanic problem" that pointed out that it has been six years since the trough of the last US recession. "If history is any guide, we are probably now closer to the next one," he said. Business cycles always turn, and after six years of growth, even at a pedestrian rate, the current recovery is old. One could make the same point about the UK, where the economic weather tends to follow that of the US, with a lag. King's point – which explains the Titanic reference – is that policymakers are out of lifeboats if a recession were to arrive. The US Fed has dealt with past recessions by cutting interest rates by at least five percentage points. That is obviously impossible today because rates are still on the floor. To change the metaphor, the arsenal is bare: "Whereas previous recoveries have enabled monetary and fiscal policymakers to replenish their ammunition, this recovery – both in the US and elsewhere – has been distinguished by a persistent ammunitions shortage," says King. "This is a major problem." Central banks should have stayed on the sidelines, but it's too late now. "The world economy is like an ocean liner without lifeboats." That's the headline in HSBC Chief Economist Stephen King's latest note. What he's getting at is that with interest rates sitting at or near record lows in economies across the globe, central banks could be set for major struggles if the economy starts to sour. If another recession hits, it could be a truly titanic struggle for policymakers. … Remarkably enough, it's six years since the last recession, suggesting the next one may not be too far away, yet there is a total absence of traditional policy ammunition. In past recoveries, policymakers on both the fiscal and monetary side have been able to raise rates and "replenish their ammunition," as King puts it. This recovery has proved otherwise. King says this is a huge problem. In all recessions since the 1970s, the US Fed funds rate has fallen by a minimum of 5 percentage points. That kind of traditional stimulus is now completely ruled out. Meanwhile, budget deficits are still uncomfortably large and debt levels uncomfortably high: while the US fiscal position has improved, it remains structurally weak. Although the Federal Reserve is the most discussed, it's not just the U.S. central bank that has embarked on this historical move. King notes that several other regions have similar narratives. The European Central Bank appears to be committed to quantitative easing until September 2016. The Bank of Japan is basically in the same boat. The Bank of England may not be increasing its balance, but it has yet to raise rates. Fiscal positions, meanwhile, are mostly poor, at least when compared with those pre-crisis. So what options do central banks actually have at this point? Here's what King's report looks at: • Reducing the risk of recession • Reverting to quantitative easing • Moving away from inflation targeting • Using fiscal policy to replace monetary policy • Using fiscal and monetary policy together in a bid to introduce so-called "helicopter money" • Pushing interest rates higher through structural reforms designed to lower excess savings, most obviously via increases in retirement age. Regarding his first point, how exactly can fiscal and monetary policy reduce the risk of the next recession? Well, it's not easy. According to King, new safeguard regulations such as increasing bank capital might work in a narrow sense, but not every crisis is the same. And here's the inevitable result of the Fed actions: Still feeling uncomfortable about that tax bill you owed last month? Think about it this way: If you didn't pay it, America's fiscal future would look even worse than it does now, six years out from the financial crisis. Driven by higher interest costs, Social Security and Medicare for baby boomers, as well as tax cuts made permanent in 2012, the federal debt held by the public is expected to hit $40 trillion in 2035, according to calculations by the Committee for a Responsible Federal Budget based on Congressional Budget Office estimates. Back in 2009, soon after President Barack Obama took office, the forecast for the 2035 burden was at least $7 trillion lower. In 2035, the debt will almost equal the size of the U.S. economy; four years later it will match the previous record, set in 1946, at 106% of gross domestic product, the CBO estimated last year. Compare that to the 2014 debt burden of $12.8 trillion, or 74% of GDP. The economy just isn't growing fast enough to keep pace with the costs of caring for the soaring ranks of the elderly, and the discrepancy between spending and revenue is estimated to widen in the next few decades. Republicans say their proposal passed by Congress last week will save $5 trillion and balance the budget within a decade. The Obama administration likes to tout how it's reduced the budget deficit by three-fourths and is on track to narrow further. Either way, the number of people paying Social Security taxes is expected to grow more slowly than the number of those receiving the entitlements. The number of taxed workers will increase 20% between now and 2045, while beneficiaries of Social Security's Old-Age, Survivors and Disability Insurance (OASDI) funds will increase 57% over the same period, according to the Social Security Board of Trustees. As a result, there will be about two taxpayers per beneficiary in three decades, down from almost three now. For comparison, the same ratio was 3.4 to 1 in 2000. Higher spending on debt servicing and entitlements means less money for other purposes, such as education or research. It also means some hard decisions at some point. In order to prevent debt from becoming an even bigger portion of GDP, the U.S. needs to increase taxes by 7.5% or cut spending by 7%, said Marc Goldwein, vice president and policy director of the Committee for a Responsible Federal Budget, a Washington advocacy group. To bring the ratio more in line with the historical level of 40%, taxes would have to go up 13.5%, according to Goldwein. The later any action is taken, the deeper the spending cuts or the higher the tax increases would have to be. Classic lowballing. Last month, when Baltimore was burning after a young African-American man died in police custody (six officers were subsequently charged), I did a Google search to find what David Simon thought about it. Simon, a former reporter for the Baltimore Sun, was the creator and show runner of "The Wire," which ran for five seasons on HBO and which Entertainment Weekly called the greatest television show ever. It was a brilliant narrative of the struggle for survival in a violent, drug-riddled Baltimore neighborhood much like the one that went up in flames. In my search, I came across an interview Simon did with Bill Moyers a few years ago in which he declared: " 'The Wire' was not a story about America; it's about the America that got left behind. … These really are the excess people in America. Our economy doesn't need them — we don't need 10% or 15% of our population." Have 10% to 15% of the U.S. population really been left behind? I contacted Simon at his website to ask where he got the number, but he didn't get back to me. So I did my own calculations, and he's actually not too far off. With a little help from the Labor Department's Bureau of Labor Statistics, which produces the famous monthly jobs reports, I added up several categories of the unemployed, the underemployed and people on some form of public assistance. My conclusion: About 20 million Americans, roughly 10% of adults of working age, have at best marginal ties with the U.S. economy. I excluded the elderly, because most of them are retired and getting Social Security, and children, whose lives and futures are often collateral damage in the economic struggles of their parents. Here's how it adds up: • 2.5 million are among the long-term unemployed, which the Labor Department defines as being out of work and actively seeking work for 27 weeks or more. That's less than half what it was in 2009, but it's still high. • 6.6 million Americans are working part-time for economic reasons but would prefer to work full time. • Another 2.1 million are marginally attached to the labor force, according to the Labor Department. That means they are "not in the labor force [but] want and are available for work, and … have looked for a job sometime in the prior 12 months." • Nearly 5 million adults from age 18-64 are collecting Supplemental Security Income (SSI) disability benefits, which go to people who can't work because of various disabilities. • Almost 1 million adults receive public assistance from Temporary Assistance to Needy Families (TANF) and General Assistance (GA), according to the U.S. Census Bureau. Those are temporary cash payments with some work requirements that replaced the old welfare system under welfare reform. • In 2013, 3.3 million Americans earned the federal minimum wage or less, according to the Pew Research Center. If you think they haven't been left behind, try living on $7.25 an hour. Grand total: 20.4 million adults. Now, there is some overlap, and Labor Department figures are for people from 16 to 64, while the other stats cover those from 18 up. But those caveats aside, 20 million is a reasonable ballpark number — and a disturbing one. No, Ambrose, this is the sound of failure. Occam's Razor is the sharpest way to cut through tangled explanations for the epic rout in global bond markets. The simplest explanation is the best. "Frustra fit per plura quod potest fieri per pauciora." Bond yields are soaring because the world's central banks have demonstrably done enough for now to stop deflation taking hold. The short-term monetary cycle is turning. The reflation trade is on. The broad M3 money supply has been growing at a 7pc rate in the US over the past six months (annualized), and nearly 8pc in the eurozone. Fiscal austerity has run its course as well. Budget policy is no longer contractionary in either of the world's two biggest economic blocs. Unless the normal mechanisms of monetary policy have broken down altogether – which is possible, but would you bet your pension on it? – the burgeoning M3 data point to a reflationary revival of some sort later this year. John Williams, the once dovish head of the San Francisco Fed, told Yahoo! Finance on Tuesday that the US economy is "running a little bit hot". Rightly or wrongly, he chose to dismiss the economic relapse in the first quarter as a weather-blip. The world's monetary superpower is chomping at the bit. Hedge funds were asking for trouble by driving yields on 10-year German Bunds to a historic low of 0.07pc in mid-April. Trouble is what they got. Three weeks later, Bunds are trading at 0.65pc. The paper losses across the spectrum of global bond markets is roughly half a trillion dollars. Put another way, Bank of America says the €2.8 trillion of eurozone debt trading at negative yields has just shrunk to €2 trillion. It calls this a "positioning purge". The mistake was to bet on an acute shortage of sovereign bonds once the European Central Bank launched its €60bn monthly blitz of quantitative easing. Bunds were thought to have a special "scarcity premium" since they are dying out. The German government is running a fiscal surplus of 0.5pc of GDP this year. Markets ignored known evidence that bond yields rose by 80-120 basis points during the various bouts of QE in America, which is what one would expect as recovery builds and the risk of deflation abates. Contrary to mythology, QE does not work by lowering bond rates. It works through a different mechanism: by causing banks to "create" money. ECB president Mario Draghi has accomplished his first goal, even if he might silently be cursing the newfound strength of the euro. The eurozone is clawing its way out of depression. The growth rate of nominal GDP growth has risen from 1.1pc at the start of the year to 1.5pc, subtly altering long-term debt dynamics for the crisis states of southern Europe. They are no longer quite so close to a debt-deflation trap. The one-year "inflation swap rate" – measuring expectations – has jumped by almost 100 basis points since October in the eurozone. The five-year contracts are starting to catch up. This is a short-term cyclical upswing. It does not in itself narrow Europe's North-South rift in competitiveness, and does not magically turn EMU into an optimal currency area. It does buy time. We accept monopoly money. Blockbuster real estate deals are back and breaking records as cash from around the globe pours into U.S. office buildings, apartment complexes and other investment properties. Commercial real estate transactions jumped 45% by dollar volume in the first quarter, an increase driven by sales of multiple buildings or entire companies, according to research firm Real Capital. Since then, GE. agreed to sell real estate assets to Blackstone and Wells Fargo in a deal valued at about $23 billion, the largest property purchase since the financial crisis. As the pot of money set aside for U.S. commercial real estate grows, competition for the best properties is pushing investors to buy in bulk. Based on the pipeline, which includes the GE deal, the second quarter may be one of the biggest on record for property transactions, according to Real Capital. "It's so hard to get things on a single-asset basis," said Janice Stanton, an executive managing director at commercial brokerage Cushman & Wakefield. "You're starting to see larger and larger transactions." Real estate deals surged to $129 billion during the three months through March, marking the most active start to a year since 2007, according to Real Capital. The largest was Blackstone's $8.1 billion sale of IndCor Properties, an owner of industrial buildings, to GIC Pte, Singapore's sovereign-wealth fund. Demand for property from warehouses to skyscrapers is booming, helped by more than six years of Federal Reserve efforts to stimulate economic growth by keeping interest rates low, and stockpiles of cash from overseas investors seeking a haven. About $24 billion in foreign capital flowed to U.S. properties in the first quarter, more than half the total for all of 2014, according to Cushman. That number is poised to grow further because the majority of sovereign wealth funds – investors such as GIC – have yet to hit their target allocations for real estate, according to Preqin Ltd., an alternative-assets research firm. Total property allocations for such funds now top $6.3 trillion, more than double the amount in 2008, London-based Preqin said in a report this month. Surging prices for the best buildings in big cities such as New York and San Francisco are driving the real estate recovery. Centrally located office towers are fetching prices 33% above records set in 2008, according to an index from Real Capital and Moody's. "In the face of an extraordinary event, you would also witness some extraordinary support" for Greece.." Greece will remain in the euro even if it fails to meet a debt payment, according to Italian Prime Minister Matteo Renzi's economic adviser. Filippo Taddei, a key aide to Renzi during his overhaul of the euro region's third biggest economy, said that "nobody knows" whether Greece can meet its debt obligations from one day to the next. As a result, "plans are being set" at European level to mitigate the effect of a Greek default, he said in an interview in Rome on Tuesday. "It's an intellectual and analytical mistake to think that a default on Greek debt would automatically bring Greece out of the euro," Taddei said. "The euro is not just an economic project but has a strong political project, and it is very hard to envisage a united currency without Greece." Taddei's comments are the strongest public indication yet that Greece's euro-area creditors are preparing a plan in case Prime Minister Alexis Tsipras's government is unable to meet a payment on its outstanding debt. The Greek economy returned to recession in the first quarter, European Union statistics showed on Wednesday, two days after Finance Minister Yanis Varoufakis said that Greece will run out of cash within a couple of weeks unless it gets help. Italy, which saw 10-year bond yields soar to more than 7% in November 2011 at the height of the debt crisis, would again suffer "additional volatility," if Greece got into more difficulty, Taddei said. Similar Italian debt yielded about 1.82% [today]. "In the face of an extraordinary event, you would also witness some extraordinary support" for Greece, Taddei said. Plans are being drawn up in "the proper European" forums to prepare for a possible default. While Taddei declined to be drawn on specifics, he said that European institutions were now "a lot more attentive, a lot more ready to respond" to such volatility than during previous financial crises. "We all learned that European institutions in general were not very active and were not very quick at addressing the crisis, or the shock, or the consequences of the crisis. But I think that lesson has been learned and now there is increased awareness that you have to react quickly," Taddei said. "We will be ready to act." That includes taking part in any third rescue package for Greece. Italy, he said, "will always take part in any effort to safeguard the euro." "I'm sorry to say that this huge cost for the economy is the basic negotiating weapon of the other side.." The chances of a breakdown between Greece and its creditors are small, as neither of the two sides is willing to risk the breakup of the euro area, Greece's administrative reform minister said. "I estimate that the chances of rift are only 10%, as I have faith that reason will prevail," George Katrougalos, 52, said in a telephone interview from Athens on Tuesday. "We are in a trajectory heading towards agreement for the simple reason that neither of the two sides wants a rift." Europe's most indebted state is locked in talks with its creditors over the terms attached to its €240 billion bailout. Uncertainty over the country's future in the euro area has triggered a liquidity squeeze, which pulled the economy back into a double-dip recession. "We have moved from Grexit to Grimbo, as Greece is in limbo," said Katrougalos, who is also a professor of public law. "This liquidity crunch, which is caused by the European Central Bank not adhering to its responsibilities, doesn't allow the Greek economy to grow."Without access to capital markets, Greek lenders are bleeding deposits and relying on €80 billion of Emergency Liquidity Assistance, extended by the country's central bank, to stay afloat. The European Central Bank, which can block the ELA provision, has so far resisted the Greek government's demands to allow Greek lenders to buy more treasury bills, as the use of central bank funds to finance the state would go against EU treaties. Sorbonne-educated Katrougalos said the ECB's stance and the refusal of euro-area member states to disburse bailout funds are tactics creditors are using to force the Greek government to capitulate to their demands."I'm sorry to say that this huge cost for the economy is the basic negotiating weapon of the other side," the minister said. "They bring time limits to reach a deal to the brink, as a negotiating tactic. This is not proper behavior among partners."Despite the lengthy negotiations, the minister believes a compromise will be reached. "Only if the logic in the back of the minds of some of our peers – which says that a government of the left shouldn't be allowed to succeed – only then we will not reach an agreement," he said. 'Emergency' meetings are a daily event. The government's strategy in negotiations with creditors and a raft of possible measures, including tax reforms, that could form the basis of an agreement, dominated a marathon cabinet meeting on Wednesday chaired by Prime Minister Alexis Tsipras. The meeting, which ran late into the night, was aimed at examining a wide range of changes to the tax system as well as possible privatizations ahead of technical-level talks that are due to resume in Brussels on Thursday. Officials also discussed the possible timing for drafting some of these changes into legislation in a bid to show good will and convince the European Central Bank to relax liquidity restrictions on Greece. Comments by cabinet members earlier in the day gave a mixed picture of the government's intentions with some insisting that it remained focused on reaching a deal while others suggested there should be no compromise with the demands of Greece's creditors, despite the increasingly tight liquidity situation. Speaking in Parliament, Energy Minister Panayiotis Lafazanis, who heads SYRIZA's radical Left Platform, said, "This government will not surrender," noting that "those who believe we will step back from our red lines are deluding themselves." He was referring to SYRIZA's pre-election pledges to protect pensions and the rights of workers. Another senior member of the Left Platform was widely quoted in the media as saying that Greece will be unable to reach a deal with creditors this month as the latter "keep yanking our chain" and that Greece might be forced to "go it alone." Interior Minister Nikos Voutsis appeared more conciliatory. "We are working toward an honorable compromise," he told Mega TV. "Immediate recourse to a referendum or elections is not in our plans right now." Finance Minister Yanis Varoufakis caused a stir earlier in the day when he said he could not guarantee that the government would be in power next January. He said his comments, which were in response to a question from one of hundreds of ministry cleaning staff who were rehired by the new administration, had been blown out of proportion. Without a restructuring blueprint, smaller parties will always get creamed. Everyone knows that bailouts have become overly politicized. The U.S. bailout during the financial crisis, which cemented "too big to fail" in the public consciousness, triggered hostility that helped spur a Republican landslide in the 2010 midterms. Now imagine if every one of the 900,000 or so commercial and consumer bankruptcy filings in the U.S. last year triggered bailouts. Creditors would eventually elbow each other for repayments; mayhem would ensue. In Greece the bailout has been marked by malfeasance, infighting, and decision-fumbling. A 2013 IMF report claimed that the fund underestimated the problems austerity might cause to the Greek economy and that Greece did not qualify on three of its four criteria before receiving the initial three-year, €30 billion loan. The report also noted that the stimulus prioritized the health of Europe's banking system over the Greek economy. For example, an early debt write-off was delayed for political reasons because of countries whose banks held Greek bonds. Debt restructuring, or an effort to renegotiate the terms and provisions of a debt, could be a valuable alternative to bailouts, or transfers of finances by a governmental body to rescue an entity that is not meeting its financial obligations. That's because creditors aren't impartial. Take the European Central Bank. It's an invested stakeholder in the current standoff, with a €104 billion exposure that roughly equals 65% of Greek's GDP. In a way, it's understandable that in early February, the ECB's Governing Council removed a waiver that allowed Greece's banks to post government debt as collateral for cash. But that led Greece to become reliant on emergency funds to stay afloat. Greek stocks then fell by as much as nearly 30% the following day, and depositors triggered a bank run. There have been many increases to the emergency ceiling, which is now €80 billion. The ECB has similarly strong-armed Ireland and Cyprus. It's not that the ECB is wrong to pursue rules that benefit the eurozone; the terms of Greece's bailout could still be changed midstream, but doing so would create legal headaches and other complications for the eurozone. It's that while bailouts may evoke a rescue operation of sorts for sovereign debtors, they can play out far differently. When countries like Greece risk going bankrupt, it can be an opportunity for bottom-feeding purchasers of distressed sovereign debt. Such private creditors, especially short-termers, might then either hock to another entity such as the ECB or IMF or hold on to assets and litigate until they recover those assets' value. There ends up being not much of a rescue, but financial power plays that favor certain interests and assets over others. That has been one of the big criticisms of the Greek bailout. In March an IMF director reportedly told Greek's Alpha TV that rescue funds were used for banks in France and Germany rather than to keep Greece afloat. Too big to touch. Break them down. The world's five largest foreign-exchange brokers ceded a significant chunk of their market share over the past year as regulators pressured them to shrink their operations while investigations into exchange-rate manipulation heated up. But though these dealers have retreated slightly, regulators will find it difficult to break their hold on the market, which they've dominated for decades, said analysts at Greenwich Associates, a research firm that, among other things, tracks changes in the foreign-exchange market's structure. Three of the top five banks (Citigroup, Barclays and J.P. Morgan) are expected to plead guilty to charges of foreign-exchange manipulation, according to The Wall Street Journal. A fourth, UBS, which was the first to cooperate with investigators, will likely reach a settlement. Maybe one or two more banks will join the ranks of the Deutsche Banks and Citigroups of the world, said Kevin McPartland, head of research for market structure and technology at Greenwich Associates. But a more extreme redistribution of market share is unlikely because of the sheer scale of investment needed to be a player in the massive foreign-exchange market, where turnover is measured in the trillions. "There will probably be more competition than there was in the past, but it's hard to compete with the scale," said McPartland said. Many of the top dealers have a huge advantage when it comes to infrastructure. The top banks developed their own proprietary electronic-trading platforms years ago. They also have branches all over the world, which large clients find reassuring. Many of their smaller rivals depend on multi-dealer e-trading platforms, which pool liquidity from a consortium of banks. The market share of the top five banks shrank to 51%, from 53% in the past year, compared with 45% in 2011. The next five banks' market share increased from 22% to 24%, while the banks that round out the bottom 10 of the 20 largest dealers saw their share rise from 14% to 15%. The rest of the market is controlled by smaller players. There goes your pension plan. Forget all the nicknames attached to Chicago for generations – Windy City, City of Big Shoulders, the City that Works. This gleaming metropolis of 2.7 million people is now, along with Detroit, junk city. When Moody's Investors Service downgraded Chicago's debt on Tuesday to junk status, it deepened the city's financial crisis and elevated comparisons to the industrial ruin 280 miles to the east. Chicago partisans, starting with Mayor Rahm Emanuel, argue vehemently that their city isn't Detroit. They cite population growth, a diverse economy bolstered by an abundance of Fortune 500 companies, vibrant neighborhoods and a booming tourist trade. Yet here are five reasons, now more than ever, that suggest Chicago is akin to Detroit – or, by some measures, even worse. Or, as Illinois Republican Governor Bruce Rauner put it last month: "Chicago is in deep, deep yogurt." BIG, SCARY NUMBERS: Chicago's unfunded liability from four pension funds is $20 billion and growing, hitting every city resident with an obligation of about $7,400. Detroit's, whose population of about 689,000 is roughly a quarter of Chicago's, had a retirement funding gap of $3.5 billion, meaning each resident was liable for $5,100. A January 2014 report from Morningstar Municipal Credit Research showed that among the 25 largest cities and Puerto Rico, Chicago had the highest per-capita pension liability. HOSTILE COURT: When Detroit filed for Chapter 9 in July 2013, a federal bankruptcy judge exerted his considerable powers and decreed that everyone – taxpayers, employees, bondholders and creditors alike – would get a haircut to settle the crisis. When the Illinois Supreme Court ruled on May 8, it said the state couldn't cut pension benefits as part of a solution to restructure the state retirement system. That decision sent a clear signal to Chicago, which was trying to follow the state's benefit-cutting lead. Where the Detroit judge acted, the Illinois justices told elected officials to clean up the mess of their own making. POLITICAL PARALYSIS: Just as Detroit slid into bankruptcy after decades of economic and actuarial warnings, Chicago politicians have watched the train wreck rumble toward them for more than a decade. During that time, they skipped pension payments and paid scant attention to the financial damage being done. In 10 years starting in 2002, the city increased its bonded debt by 84%, according to the Civic Federation, which tracks city finances. That added more than $1,300 to the tab of every Chicago resident. In Michigan, Governor Rick Snyder acted when the crisis in Detroit couldn't be avoided. He invoked a state law giving an emergency manager what amounts to fiscal martial-law power. In Chicago's case, there's no political pressure to invoke a similar law. NO BAILOUT: Detroit's bankruptcy filing allowed it to restructure its debt, officially snuffing out $7 billion of it by cutting pensions and payments to creditors. In Illinois, the nation's lowest-rated state with unfunded pension obligations of $111 billion, Rauner had a blunt message last week in an unprecedented address to Chicago's City Council: The city will get no state bailout. DENIAL: After years of denial, Detroit officials finally, if grudgingly, agreed to major surgery. At least for now, Chicago's Emanuel is sticking to his view that the Illinois Supreme Court's rejection of a state pension reform law doesn't apply to the city. "That reform is not affected by today's ruling, as we believe our plan fully complies with the State constitution because it fundamentally preserves and protects worker pensions," he said in a statement on Friday. Four days later, Moody's begged to differ. "In our opinion," it wrote, "the Illinois Supreme Court's May 8 ruling raises the risk that the statute governing Chicago's Municipal and Laborer pension plans will eventually be overturned." "..the American public — crushed by stagnant wages, robbed of middle-class jobs by competition with low-wage countries, deprived of health care, burdened by student debt.." John Nichols, a writer for The Nation, titled his 2011 book, "The 'S' Word: A Short History of an American Tradition…Socialism," precisely because, he said, "it is the subject of daily derision, a derision that is at once more intense and more ignorant than at any point in the long history of the United States." That is due in no small part to the sharp right turn taken by the Republican Party and the steady stream of right-wing blather on radio and television, where "socialist" is used as shorthand for big government, welfare, high taxes, and any other nefarious policy Rush Limbaugh and his cohorts care to attach to it. But it is also due to the residue of the long Cold War demonization of communism and the failure of centrally planned economies in the Soviet Union, Eastern Europe, Cuba, and China. Of course, the Marxism-Leninism of those countries is only one strand of a progressive socialist tradition that also includes social democracy in its various forms, which is still a vital political force in most European countries — most prominently in Scandinavia. Comfortable in the conviction that the U.S. is the biggest, strongest economy in the world with the highest standard of living, Americans have for decades tended to sneer at these European countries as inferior, bogged down economically by anti-business policies. But it is slowly dawning on wide portions of the American public — crushed by stagnant wages, robbed of middle-class jobs by competition with low-wage countries, deprived of health care, burdened by student debt and the astronomical costs of a college education — that this supposed superiority of ours is no longer true, if it ever was. And that's just the middle class. The rapidly growing pool of families below the poverty line, forced to work two or three jobs at subsistence wages just to scrape by, is also waking up to the fact that the famous "American dream" is no longer theirs. George Stephanopoulos, the ABC anchor whose career began as an aide to Democratic presidential candidate Bill Clinton in the 1990s, did a little sneering of his own recently when he interviewed Sanders on "This Week." "I can hear the Republican attack ad right now," Stephanopoulos said after Sanders expounded on the benefits of universal health care, a living wage, free higher education, access to child care, guaranteed pensions and other benefits enjoyed in "socialist" countries. "He wants America to look more like Scandinavia." Sanders blinked away his astonishment and replied, "That's right. That's right. And what's wrong with that? What's wrong when you have more income and wealth equality? What's wrong when they have a stronger middle class in many ways than we do, a higher minimum wage than we do, and they're stronger on the environment?" "This vital truth, that the government exists for our benefit and operates at our behest, seems to have been lost in translation.." Despite what some special interest groups have suggested to the contrary, the problems we're experiencing today did not arise because the Constitution has outlived its usefulness or become irrelevant, nor will they be solved by a convention of states or a ratification of the Constitution. No, as I document in my new book Battlefield America: The War on the American People, the problem goes far deeper. It can be traced back to the point at which "we the people" were overthrown as the center of the government. As a result, our supremacy has been undone, our authority undermined, and our experiment in democratic self-governance left in ruins. No longer are we the rulers of this land. We have long since been deposed and dethroned, replaced by corporate figureheads with no regard for our sovereignty, no thought for our happiness, and no respect for our rights. In other words, without our say-so and lacking any mandate, the point of view of the Constitution has been shifted from "we the people" to "we the government." Our taxpayer-funded employees—our appointed servants—have stopped looking upon us as their superiors and started viewing as their inferiors. Unfortunately, we've gotten so used to being dictated to by government agents, bureaucrats and militarized police alike that we've forgotten that WE are supposed to be the ones calling the shots and determining what is just, reasonable and necessary. Then again, we're not the only ones guilty of forgetting that the government was established to serve us as well as obey us. Every branch of government, from the Executive to the Judicial and Legislative, seems to be suffering this same form of amnesia. Certainly, when government programs are interpreted from the government's point of view (i.e., the courts and legislatures), there is little the government CANNOT do in its quest for power and control. We've been so brainwashed and indoctrinated into believing that the government is actually looking out for our best interests, when in fact the only compelling interesting driving government programs is maintain power and control by taking away our money and control. This vital truth, that the government exists for our benefit and operates at our behest, seems to have been lost in translation over two centuries dominated by government expansion, endless wars and centralized federal power. Have you ever wondered why the Constitution begins with those three words "we the people"? It was intended to be a powerful reminder that everything flows from the citizenry. We the people are the center of the government and the source of its power. That "we" is crucial because it reminds us that there is power and safety in numbers, provided we stand united. We can accomplish nothing alone. Joe's late to the game, and has little to add. And if your claim to fame is your link to Bill Clinton, you may want to take a deep breath. When I chaired Bill Clinton's council of economic advisers, when he was president, anti-environmentalists tried to enact a similar provision, called "regulatory takings". They knew that once enacted, regulations would be brought to a halt, simply because government could not afford to pay the compensation. Fortunately, we succeeded in beating back the initiative, both in the courts and in the US Congress. But now the same groups are attempting an end run around democratic processes by inserting such provisions in trade bills, the contents of which are being kept largely secret from the public (but not from the corporations that are pushing for them). It is only from leaks, and from talking to government officials who seem more committed to democratic processes, that we know what is happening. Fundamental to America's system of government is an impartial public judiciary, with legal standards built up over the decades, based on principles of transparency, precedent, and the opportunity to appeal unfavourable decisions. All of this is being set aside, as the new agreements call for private, non-transparent, and very expensive arbitration. Moreover, this arrangement is often rife with conflicts of interest; for example, arbitrators may be a judge in one case and an advocate in a related case. The proceedings are so expensive that Uruguay has had to turn to Michael Bloomberg and other wealthy Americans committed to health to defend itself against Philip Morris. And, though corporations can bring suit, others cannot. If there is a violation of other commitments – on labour and environmental standards, for example – citizens, unions, and civil society groups have no recourse. If there ever was a one-sided dispute-resolution mechanism that violates basic principles, this is it. That is why I joined leading US legal experts, including from Harvard, Yale, and Berkeley, in writing a letter to Barack Obama explaining how damaging to our system of justice these agreements are. American supporters of such agreements point out that the US has been sued only a few times so far, and has not lost a case. Corporations, however, are just learning how to use these agreements to their advantage. And high-priced corporate lawyers in the US, Europe, and Japan will likely outmatch the underpaid government lawyers attempting to defend the public interest. Worse still, corporations in advanced countries can create subsidiaries in member countries through which to invest back home, and then sue, giving them a new channel to bloc regulations. Damning. Over 2600 people arrested by Baltimore police since 2012 were too injured to enter the city's detention center, jail records show. The Baltimore Sun reports that according to records, 123 of the detainees who weren't admitted had visible head injuries, the third-most common ailment cited by officials while others had broken bones, facial trauma and lacerations. While the records do not indicate how the people were injured or whether they suffered their injuries at the hands of police, they do suggest that officers either ignored or did not notice the injuries. The report comes in the wake of the death of Freddie Gray last month, who died of a broken neck prosecutors say he suffered while riding in the back of a Baltimore police van. Six of the officers involved are facing criminal charges, including one charged with second-degree murder. The incident sparked protests and rioting in the city, before Friday, when the U.S. Justice Department launched a civil-rights investigation into the department. Critics say the figures show that Baltimore police officers take little interest in detainees after they are arrested. This may result, law enforcement experts say, from officers not receiving adequate training to detect injuries or whether or not a detainee is faking being hurt in order to avoid jail. The United States Constitution guarantees health care to suspects before they are booked into jail. In the Gray case, prosecutors say the man requested medical care five times before his death. The Sun previously reported that dozens of Baltimore residents have accused the city's police of inflicting injuries on them and disregarding their requests for medical help. The city has paid out almost $6 million in court judgments and settlements in response to over 100 lawsuits filed since 2011. Corporations have accumulated too much political power to allow for justice or common sense. Historically, corporations were expected to serve some public purpose as justification for the benefits and privileges they receive from the state. But since the 1970s, the view has become widespread that corporations exist solely to maximize profits and for no other purpose. While the shareholder-first doctrine was supposed to solve the agency problem, in fact it has gotten worse as corporate executives enrich themselves at the expense of shareholders. Moreover, the obsession with current share prices as the only measure of corporate success may be destroying long-term value as companies cut back on investment to raise short-term profits. Tax policies designed to raise after-tax profits have done nothing to reverse these trends. To conservatives, the corporation is often treated as the pinnacle of capitalist development. This justifies their deferential treatment of corporations in terms of taxation and government regulation, which, they claim threaten to kill the goose that lays golden eggs. In reality, the corporation wouldn't exist in a pure free market. It is and always has been a creature of the state. For many years, corporate status was only granted to businesses deemed to be in the public interest, such as companies that built turnpikes and canals. But as time has gone by, the idea that corporations exist at the pleasure of the state and in the public interest has been forgotten. Today, it is widely believed that corporations exist for the sole purpose of making a profit. Corporate executives who believe corporations have a social responsibility are considered old fashioned. But the costs of this new view of the corporation have been very high in terms of lost jobs and investment, and minuscule wage growth for more than a generation. Shareholders, the owners of the corporation, haven't even benefitted that much from the laser-like focus on profit above all else because much of it has been siphoned off by corporate executives, who have enriched themselves at the expense of shareholders, and financial institutions that have encouraged companies to become highly leveraged. Put the crazies in charge! Georgia's fugitive ex-president Mikhail Saakashvili and hawkish US Senator John McCain have been approved as members of the newly-formed International Advisory Group that will help Ukraine's president in "conducting reforms." Saakashvili has been appointed as head of the new advisory group, says the statement on Ukraine's presidential website. The list of members included in the advisory group mostly includes current and former European politicians. Among them are the German member of the European Parliament and the current Chairman of the European Parliament Committee on Foreign Affairs Elmar Brok, Sweden's former Prime and Foreign Minister Carl Bildt, former Prime Minister of Slovakia Mikulas Dzurinda, and Lithuania's former Prime Minister Andrius Kubilius. Back in February Saakashvili was appointed as a non-staff adviser to Poroshenko. The ex-Georgian president, who was in power from 2004 to 2013, faces numerous charges at home, including embezzlement of over $5 million, corruption and brutality against protesters during demonstrations in 2007. Georgia's Chief Prosecutor's Office launched proceedings to indict Saakashvili and place him on the international most wanted list, but Kiev refused to hand over the fugitive president, despite an existing extradition agreement between Ukraine and Georgia. Saakashvili is known for his strong anti-Russian stance, which garnered heavy US support. In August 2008 during his term in office Georgia launched an offensive against South Ossetia, killing dozens of civilians and Russian peacekeepers stationed in the republic. Georgia's shelling of Tskhinval prompted Russia to conduct a military operation to fend off the offensive. Despite Saakashvili's claims that the conflict was "Russian aggression," the 2010 EU Independent Fact Finding Mission Report ruled that Tbilisi was responsible for the attack. Meanwhile Senator John McCain, for years spearheading the anti-Russian and particularly anti-Putin crusade, said that while he "would love to do anything" to help Ukraine, he has not yet cleared his new appointment under the US Senate rules. "I was asked to do it both by Ukraine and Saakashvili and I said I would be inclined to do it but I said I needed to look at all the nuances of it, whether it's legal under our ethics and all that kind of stuff," McCain told BuzzFeed. Too late. Pope Francis will denounce the inequalities of capitalism when he becomes the first pontiff to address Congress on his visit to the U.S. in September, according to his closest adviser. Cardinal Oscar Andres Rodriguez Maradiaga, a fellow Latin American whom the Argentine pope has appointed to advise him on governing the church, said in an interview in Rome that Francis will speak "not as an enemy of the system or of the culture" but "as a shepherd who wants to make the world better, especially for those who do not have a voice." On his election as leader of 1.2 billion Catholics, Francis called for "a poor church for the poor," setting a humbler tone for his papacy that began with his decision to live in a modest residence. At the same time, he's set out an ambitious political agenda, from lobbying for a global climate accord to decrying the widening gap between rich and poor. Francis will present the lawmakers with "the same way of thinking that he expressed" in Evangelii gaudium, his first 2013 encyclical, or major papal writing, according to Maradiaga. In that document, Francis attacked the "idolatry of money" and a financial system "of exclusion and inequality," adding: "Such an economy kills." Free-market laws aim to "to produce the biggest revenue possible and the lowest costs possible," Maradiaga, 72, said on Wednesday. "Change is needed, making capitalism more human, otherwise inequalities will continue growing and inequalities produce violence, frustration, pain and especially insecurity in every sense." Maradiaga, the archbishop of Tegucigalpa, Honduras, expressed the hope that the Republican-dominated Congress will hear the pope "with open hearts." Francis, 78, will travel to Cuba Sept. 19-22, and then to Washington, where he will meet with President Barack Obama at the White House, to New York, where he will address the United Nations General Assembly, and finally to Philadelphia. The White House said in a March statement that the discussion between Francis and Obama will include "caring for the marginalized and the poor" and "advancing economic opportunity for all." As the Vatican's spokesman on developing countries' debt at the IMF and the World Bank, Maradiaga helped negotiate a writedown for his native Honduras in the 1990s. "For the first time since the survey began five years ago, the summer loss rates exceeded the winter loss rates.." More than 40% of U.S. honeybee colonies died in a 12-month period ending in April, extending a troubling trend that has scientists scrambling for a solution and professional beekeepers struggling to stay in business. The Agriculture Department said in its annual honeybee survey released Wednesday that beekeepers are starting to lose large numbers of bees during both the summer and winter—presenting scientists with a new wrinkle since die-offs had generally occurred during the cold winter months. "I think the situation is changing," said Dennis vanEngelsdorp, an expert on honeybees at the University of Maryland. "It remains bad but I don't know if we can assume the same thing is happening year to year." For the first time since the survey began five years ago, the summer loss rates exceeded the winter loss rates, suggesting bees are becoming vulnerable during a time of the year they were thought to be healthy and robust. The most recent summer loss rate reached 27%, up from 20%. While the precise cause of the honeybee crisis is unknown, scientists generally blame a combination of factors, including poor diets and stress. Some bees die from infestations of the Varroa mite, a bloodsucking parasite that weakens bees and introduces diseases to the hive. Environmental groups also point to a class of pesticides known as neonicotinoids. In April, the Environmental Protection Agency said it would stop approving new outdoor uses for those types of chemicals until more studies on bee health are conducted. During the one-year period ending in April, beekeepers lost 42% of their colonies, according to the survey, marking the second-highest rate of loss since the Agriculture Department began tracking annual statistics in 2010. The loss rate was up from 34% during the previous 12-month period. Bee deaths present a considerable challenge to professional beekeepers, who spend substantial amounts of time and money to replenish their colonies. Many beekeepers, already in their 50s and 60s, are considering early retirement or are being forced out of the business due to the expense. May 10, 2015 Posted by Raúl Ilargi Meijer at 12:15 pm Finance Tagged with: austerity, capitalism, Greece, inequality, pipeline, pundits, Putin, refugees, religion, UK, unipolar 3 Responses » G. G. Bain Metropolitan Opera baritone Giuseppe De Luca, New York 1920 • Capitalism is the West's Dominant Religion (Michael Welton) • Stiglitz: "You Will Have Stronger Growth If You Reduce Inequality" (WEF) • Critical Choices Loom Ahead Of Eurogroup Meeting, IMF Repayment (Kathimerini) • Greece Calls On EU/IMF Lenders To Show Political Will For Deal (Reuters) • Greek Leader Faces Revolt By Party Hardliners As Debt Showdown Looms (Guardian) • The Greek Debt Writedown And Merkel's Role In It (Kathimerini) • May 7th, 2015 – The Day The United Kingdom Died? (RT) • Sturgeon Vows To End Austerity Across UK (Sky) • An Ever More Fragile Union (FT) • US Urges Greece To Reject Turkish Stream, Focus On Western-Backed Project (RT) • US Trying To Create 'Unipolar World' Says Putin (Guardian) • Obama Scolds Democrats On Trade Pact Stance (NY Times) • President Obama Is Badly Confused About the Trans-Pacific Partnership (CEPR) • EU Proposes Plan to Take Up to 20,000 Migrants A Year (WSJ) • Americans Favor Jon Stewart, Colbert Over Conservatives For Punditry (Reuters) Would anyone in his/her right mind dispute this? David R. Loy, a professor of international studies at Bunkyo University in Japan and a Zen Buddhist teacher, offers us a compelling viewpoint on why we ought to understand our present economic system as the West's dominant religion. In A Buddhist History of the West (2002), Loy argues that, although religion is "notoriously difficult to define," if we "adopt a functionalist view and understand religion as what grounds us by teaching us what this world is, and what our role in the world is, then it becomes evident that traditional religions are fulfilling this role less and less, because that function is being supplanted by other belief systems and value systems." This is a shocking statement for those of conventional religious sensibility. Certainly the monotheistic faith-traditions have not just disappeared into the thin air of modernity. One could make a solid case that Islamic cultures still contain strong currents of resistance to Western consumer individualism (perceived as decadent and nihilistic). But in the West, Christianity in particular, has lost much of its power to resist the new god that has (and is) conquering the old ones (just like Christianity did in its displacement of Roman deities). Although the monotheistic religions contain many different streams and tendencies (including ascetic and contemplative traditions), these minority anti-materialist traditions have not been able to prevent the market from becoming our "first truly world religion, binding all corners of the globe into a worldview and set of values whose religious role we overlook only because we insist on seeing them as secular" (Loy). Economics is the new theology of this global religion of the market; consumerism its highest good; its language of hedge funds and derivatives as incomprehensibly esoteric as Christian teachings about the Trinity. "Accumulate, accumulate! This is Moses and the prophets! Marx cried out in the first volume of Capital. Loy wonders why we acquiesce in the appalling realities of global inequities and sleep so peacefully at night. He finds his answer in Rodney Dobell's explanation that "lies largely in our embrace of a peculiarly European or Western [but now global] religion, an individualistic religion of economics and markets, which explains all of these outcomes as the inevitable results of an objective system in which … intervention is counterproductive." [..] We have made fetishes out of commodities as we believe we can derive sensuous pleasure from their magical properties. We sacrifice our time, our families, our children, our forests, our seas and our land on the altar of the market, the god to whom we owe our deepest allegiance. Across an entire economy, this may be true. But is it also true for those who profit from inequality? Nobel laureate and World Economic Forum on Latin America Co-Chair Joseph E. Stiglitz, Professor, School of International and Public Affairs (SIPA), Columbia University, USA, has urged government and business leaders to make the fight against inequality a priority. Stiglitz was speaking at the 10th World Economic Forum on Latin America, taking place in Mexico. "We used to think there was a trade-off between equality and growth. Now we see the two as complementary. You will have stronger growth if you reduce the extremes of inequality," he said. Latin America's success in reducing inequality over the past decade, precisely when the region became more integrated into the global economy and more exposed to international market forces, proves that the increased inequality seen in much of the rest of the world comes from policy choices, Stiglitz said. Latin America must not give up the fight to reduce poverty and equality – even now when many economies are slowing and government budgets are under pressure – since this fight is crucial for long-term growth. Stiglitz called Mexico's recent round of structural reforms "very impressive" and said, "I'm very optimistic that these really will spur economic growth." By breaking monopolies, the reforms will lower consumer prices in sectors such as electricity and the telecoms industry, leading to greater spending power for lower income Mexicans. Lower utility costs will make Mexico more attractive for business investment, which will increase jobs and wages. The reforms will therefore help the country reduce inequality. Stiglitz criticized the proposed Trans-Pacific Partnership. He cited the negotiations' secrecy, the proposals that would make governments vulnerable to lawsuits over regulations that protect their citizens, and the proposed expansion of intellectual property rights, especially in the pharmaceutical sector. These expanded IP rights would upset the balance that the United States has already achieved in this area and lead to higher drug prices worldwide, bankrupting some public health systems and putting treatment out of reach for many, he noted. "I am strongly opposed," he said. As part of the fight against inequality, Stiglitz called for measures to fight racial, ethnic and gender discrimination, and for measures to redistribute resources between richer and poorer parts of a country, such as Mexico's north and south. For the troika, it's a power game clear and simple. Greek officials are bracing for a difficult Eurogroup summit in Brussels on Monday after what promises to be a weekend of feverish negotiations with representatives of Greece's international creditors as European officials increase the pressure on Athens to compromise and avert a default. Prime Minister Alexis Tsipras has been engaged in a flurry of telephone diplomacy in a bid to drum up political support. Meanwhile prominent officials underlined the risks Greece is facing as its coffers run dry and financial obligations loom, notably a repayment of some €750 million to the IMF on Tuesday. Greek officials have expressed the government's intention to pay the IMF but according to sources some are in favor of not paying if the outcome of Monday's Eurogroup is not satisfactory. Such a move would lead to Greece being declared bankrupt within a month with capital controls likely to be imposed on Greek banks much sooner than that to avert a bank run. European officials suggested that Greece should be cautious. "Experience in other parts of the world has shown that a country can suddenly slide into bankruptcy," German Finance Minister Wolfgang Schaeuble was quoted as telling Frankfurter Allgemeine Zeitung. Other European officials made less dramatic statements, with European Economic and Monetary Affairs Commissioner Pierre Moscovici stressing that reforms are not progressing quickly enough and Eurogroup President Jeroen Dijsselbloem saying Monday's Eurogroup "won't be decisive." Although a decision that will unlock loan money is not expected on Monday, at the very least Athens is hoping for a statement of support that will allow the ECB to provide some liquidity relief, or at least not turn the screws further. Finance Minister Yanis Varoufakis will represent Greece at the Eurogroup but is to be flanked by Deputy Prime Minister Yiannis Dragasakis or Alternate Foreign Minister Euclid Tsakalotos, who is the new negotiations "coordinator," or possibly both. Talks at the technical level continued in Brussels on Saturday with three key sticking points: pension and labor reforms and the level of Greece's primary surplus, which will determine the extent of economic measures that Athens must take. According to sources, creditors put Greece's primary surplus for this year at 2% of gross domestic product, at least 1% above Athens's estimate. Talks were also said to focus on possible tax increases, particularly likely plans for a flat value-added tax rate. Although Greek officials insist they have made significant concessions, and Tsipras has called on Europe to show "political will" opposite Athens, it appears that creditors want to see signs of concrete progress – and legislation – before they issue a statement of support, much less unlock funds. Lots of polls being held designed to put pressure on Syriza. Greece's main debt negotiator called on the EU and the IMF to show their willingness to break an impasse in debt talks, ahead of a crucial meeting of euro zone finance ministers on Monday. Prime Minister Alexis Tsipras' leftist-led government, which came to power promising to end the austerity terms under Greece's existing €240 billion debt deal, has been locked for months in talks with its foreign lenders over reforms that could unlock much needed bailout funds. "Any delay in achieving this compromise has to do with one and only one reason, and this is the political differences between the government and the institutions," Euclid Tsakalotos, Greece's newly appointed coordinator of the talks, told Avgi newspaper. With bailout aid frozen while it is shut out of debt markets, Athens risks running out of cash unless a deal is reached soon. "After weeks of laborious negotiations, if there is a real will from the other side, it will be clear that the discussion has reached a level where an agreement is very close and will be reached in the coming period," Tsakalotos said. Athens' foreign creditors are demanding further austerity in exchange for funds, while an angry Greek public has felt the pain of income cuts amid a six-year recession. A poll by MRB for Sunday's Realnews showed that 72% of Greeks wanted what Athens calls an "honorable compromise", meaning concessions from both sides to reach a deal. A March survey showed that 57% wanted Athens to stick to its "red lines" on pension and labor reforms. Tsipras will hold a wider cabinet meeting on Sunday, a day before euro zone finance ministers discuss progress made so far in the negotiations. Greece needs to pay a €750 million IMF loan this week and pensions and public sector wages at the end of the month, and Athens hopes for the European Central Bank to allow Greece to raise cash by issuing more Treasury bills. "It's now the political side that must offer a solution," Economy Minister George Stathakis told Avgi. Helena Smith's coverage from Athens for the Guardian is not getting better as time goes by. She looks a bit lost. The epic struggle to keep Greece solvent and in the eurozone intensified on Saturday night amid signs of a looming crisis within the anti-austerity government that took Europe ablaze barely three months ago.As prime minister Alexis Tsipras scrambles to secure a financial lifeline to keep the debt-stricken country afloat, hardliners in his radical left Syriza party have also ratcheted up the pressure. In a make-or-break week of debt repayments, the politician once seen as the harbinger of Europe's anti-establishment movement has found himself where no other leader would want to be: caught between exasperated creditors abroad and enraged diehards at home. With government coffers almost at nil and Athens facing a monumental €750mloan instalment to the IMF on Tuesday, it is the last act in a crisis with potentially cataclysmic effect. Either Tsipras betrays his own ideology to deter default – reneging on promises that got him into power – or he goes down as the man who allowed his country to do what no other EU member has done: enter the uncharted waters of euro exit. It is a moment of truth with consequences far beyond the borders of Greece. "No doubt he is having nightmares about betraying ideas that he has held dear all his life," said Aristides Hatzis, associate professor of law and economy at Athens University. "To make such a U-turn he is going to have to cross red lines that require a leap of faith I am not sure he has." The protracted standoff between Athens and the European Union and IMF – the bodies that have bailed out the country to the tune of €240bn since 2010 – has brought Tsipras to this point. To the dismay of inexperienced politicians in his left-dominated coalition, creditors have dug in their heels with cash reserves drying up inexorably as negotiations over a deal to unlock further bailout funds have gone to the wire. 2nd part in the series. In his personal notes dated a day before the June 2012 general elections, Greece's caretaker Prime Minister Panayiotis Pikrammenos wrote: "Anxiety is mounting. Anxiety in every respect – even and particularly regarding the banks. The telephone call with [German] Chancellor [Angela] Merkel went very well. […] I gave her a general briefing and then discussed my communications with [European Commission President Jose Manuel] Barroso and [European Council President Herman Van] Rompuy. She was strict on this point. Greece's declaration that it would abide by its commitments was not enough. She wanted a clear statement that there would be no request for a renegotiation of the memorandum, as is being so gratuitously promised in pre-election campaigns. ' They,' she said – referring to the Commission – 'do not have to answer to parliament.'" It was the most dramatic moment, up until then, of a crisis that showed no signs of abating – and which was threatening to drag the global economy into another recession. Twenty-five months after having approved, under pressure from a rapidly deteriorating situation, Berlin's participation in the first bailout package for Greece, the German chancellor was without dispute the dominant figure on the European stage. In the period following the first Greek bailout and up until the end of 2011, she had managed to convince her eurozone partners to adopt new measures imposing fiscal discipline, while at the same time resisting calls for the mutualization of public debt, for example via the issue of eurobonds. On the question of Greece she decided on a restructuring of the country's soaring debt. This process, which took four months of negotiations and was completed (with all the requisite prior actions) just days before the first of two general elections in Greece in May 2012, at first appeared to be a success both because of the response from the private sector and because any legal difficulties had been avoided. No, it happened prior to that date. Nobody doubts the UK General Election delivered an extraordinary outcome. However, in the long term, May 7th 2015 could eventually be remembered as the day the UK croaked it. The pundits and pontificators spun Election 2015 as a close run vote, certain to deliver a hung parliament. They were misguided. Instead, David Cameron reigns supreme with an overall majority for his Conservative Party and Ed Miliband, Nick Clegg and Nigel Farage have all resigned. While the latter will probably reappear without much delay, the first two are now consigned to the wastebasket of history. In a single day, Miliband has gone from being the favorite to enter 10 Downing Street to the back-benches. Meanwhile, David Cameron has spent the afternoon kicking back with the Queen. It all sounds like nothing has changed. This is wrong. Everything has changed. While the immediate analysis focuses on the destruction of political careers, May 7th 2015 has greater significance. It was the day the United Kingdom, as it's presently constituted, entered its endgame. The Conservative majority and the SNP's Scottish landslide mean checkmate for the union. Had Labour, as expected by pollsters, formed the next government, the UK's current composition would have been safe, at least in the short-term. Instead, we have witnessed the triumph of nationalism, both Scottish and English, and the squeezing of the middle ground. There's a smell resonant of Czechoslovakia in 1992 wafting from Britain. David Cameron is now honor bound to hold an "in-or-out" referendum on Britain's membership of the EU before the end of 2017. It's increasingly clear that the electorate will vote to leave. However, it won't be the UK that decides to abandon the EU project, it will be England. Scotland, Wales and Northern Ireland will almost certainly vote to remain as members. This, I believe, will be catalyst for a second Scottish independence poll and the subsequent establishment of a Scottish state. Scotland's needs are different from those of England and Edinburgh needs access to the world's largest market in order to realize its dreams. Crucial point. Nicola Sturgeon has vowed to carry an anti-austerity message to Westminster after the SNP gained a record 56 seats in the Commons. The SNP leader addressed her new MPs in Edinburgh and told them to "work with others" in Parliament to end austerity across the United Kingdom. "Let us be very clear – the people of Scotland voted for an SNP manifesto that had ending austerity as its number one priority and that is the priority for these men and women to now take to the very heart of the Westminster agenda," she said. "We will continue to reach out to people of progressive opinion right across the UK so that we can put ending austerity, investing in public services like our precious NHS, investing in a stronger economy to get more young people in jobs… We will work with others to put those priorities right at the heart of Westminster." Voters granted the Conservatives a surprise majority on Thursday, but in taking all but three of Scotland's 59 seats, the SNP ensured they will be hard to ignore in the new-look House of Commons. Ms Sturgeon had a brief conversation with the Prime Minister on Friday, agreeing to face-to-face talks "as soon as possible" – an early indication of the First Minister's likely influence over the next five years. She told her audience in front of the Forth Bridge: "As I told the Prime Minister when I spoke to him yesterday, it simply cannot and will not be business as usual when it comes to Westminster's dealings with Scotland. "Scotland this week spoke more clearly than ever before and my message to Westminster is that Scotland's voice will be heard there more loudly than it has ever been before. "Our job is to repay the trust you have shown in us and I pledge today that that's exactly what we'll do. "We will not let you down." While a left-of-centre alliance would not be able to outvote a united Tory party in the Commons, the situation may change if Conservative backbenchers become restless. Ms Sturgeon's predecessor and the new MP for Gordon, Alex Salmond, has predicted the Tory majority will "erode and change within months". Not the EU. Britain has a Conservative government. David Cameron has confounded the pollsters, and left egg on the faces of the pundits blindsided by their predictions — this columnist among them. The Tory leader has led his party to its first outright victory since Sir John Major pulled off the same trick in 1992. Perhaps it is more than a coincidence that the young Mr Cameron served as an aide to the then prime minister. He should savour the moment. The election also told the story of two nations — a Scotland that handed a spectacular victory to Nicola Sturgeon's Scottish National party alongside an England that cleaved to an increasingly parochial Tory party. The destruction of the centrist Liberal Democrats amplified the sense of polarisation. Ahead lie dangerous times — for Britain and for Mr Cameron's Conservatives. Two great questions are set to shape British politics: the fragile future of the four-nation union and the UK's permanently irascible relationship with the rest of Europe. For Mr Cameron, they promise only trials and tribulations. History may well see the real significance of the election in the collision between resurgent Scottish, and resentful English, nationalism, the point at which the divisive politics of identity upturned the old order. The SNP's landslide was widely forecast. The consequences are no less seismic for that. The election reopened the question that should have been settled by the No vote in last year's independence referendum. Alongside their grip on the devolved government in Edinburgh, the nationalists now hold 56 of the 59 Scottish seats at Westminster. For the first time since the arguments about Irish home rule at the turn of the 20th century, an overtly nationalist party has become the third force in the UK parliament. The SNP is celebrating Mr Cameron's return to Downing Street. The election saw Scotland turn left, and England right. Nothing could better fit Ms Sturgeon's insidious narrative of a progressive Scotland forever shackled by a Tory-led England. Here, Mr Cameron must now live with the consequences of his own campaign. There are many reasons why England voted Tory — not least the Labour leader Ed Miliband's alternative prospectus for socialism in one country. But Tory strategists were unabashed in stirring the embers of English nationalism in order to neutralise the UK Independence party and stoke fears among the undecided that a Labour government would "sell out" to the Scots. Yawn. Washington is pushing Athens not to abandon a Western-backed Trans-Adriatic Pipeline (TAP) project in favor of the Russia-proposed Turkish Stream, a pipeline that would bring Russian gas to Europe via Greece. Greece should consider joining the TAP, which will link Europe to natural gas supplies from Azerbaijan via Turkey, Greece, Albania and the Adriatic Sea, top US energy diplomat Amos Hochstein said after talks with Greek officials, Reuters reported on Friday. "Turkish Stream doesn't exist. There is no consortium to build it, there is no agreement to build it. So let's put that to the side, and wait until there's some movement on that and see if that's relevant or not relevant and in the meantime focus on what's important – the pipeline we already agreed to, that Greece already agreed to", Hochstein claimed. He didn't give any details on the meeting with Greek officials, saying that they "more agreed than disagreed." Greek Energy Minister Panagiotis Lafazanis, however, responded that the country would continue supporting the Russian gas pipeline. "We are backing this project because we think it will be useful for our country," the minister said in a statement after the talks. The US envoy said that the US position was the best way for Europe to secure its energy supply is by diversifying its sources and ensuring competition. He also added that having other gas sources would "help with price, reliability of supply, and that will help take the political element out of the supply system." Meanwhile, on Thursday Putin reportedly told Greek PM Alexis Tsipras during a phone conversation that Russia was ready to consider providing financial support for Greek companies that join the Russian pipeline project. Tsipras confirmed his country's readiness to participate in the Turkish Stream project. Earlier in April during the Greek PM's official visit to Moscow, Putin and Tsipras agreed to collaborate in the construction of a new pipeline, to be part of the Turkish Stream project, which would deliver Russian gas to Europe via Greece. The Russian president said at that time that by joining the project Greece could become one of the main power distribution centers in Europe, and earn hundreds of millions of euros annually from gas transit fees. The Greek PM voiced interest in the proposal, claiming that the project could be a way to boost jobs and investment in the Greek economy. Cash-stripped Greece can also use revenues from potential joint projects with Russia to pay off debt to international creditors. It's a disgrace Obama and Merkel et al refused to go to Moscow. A slap in the face of millions who died in WWII. Vladimir Putin has used an address commemorating the 70th anniversary of victory over Nazi Germany to accuse the US of attempting to dominate the world. Speaking at Moscow's annual Victory Day parade in Red Square, which this year has been boycotted by western leaders over the continuing crisis in Ukraine, the Russian president berated Washington for "attempts to create a unipolar world". Putin said despite the importance of international cooperation, "in the past decades we have seen attempts to create a unipolar world". That phrase is often used by Russia to criticise the US for purportedly attempting to dominate world affairs. The US president, Barack Obama, has snubbed the festivities, as have the leaders of Russia's other key second world war allies, Britain and France, leaving Putin to mark the day in the company of the leaders of China, Cuba and Venezuela. The German chancellor, Angela Merkel, has likewise ducked out of attending the parade but will fly to Moscow on Sunday to lay a wreath at the grave of the Unknown Soldier and meet the Russian president. As western sanctions on Russia over its actions in Ukraine continue to bite, Moscow has increasingly appeared to pivot away from Europe and focus more on developing relations with China. The Chinese leader, Xi Jinping, will be the most high-profile guests on the podium next to Putin. Other presidents in attendance include India's Pranab Mukherjee, president Abdel Fatah al-Sisi of Egypt, Raúl Castro of Cuba, Nicolás Maduro of Venezuela, Robert Mugabe of Zimbabwe and Jacob Zuma of South Africa. Russia used the parade to show off its latest military technology, including the Armata tank, in the parade, which included 16,000 troops and a long convoy of weapons dating from the second world war to the present day. Also on show for the first time was a RS-24 Yars ICBM launcher, which Moscow has said described as a response to US and Nato anti-missile systems. The celebrations stand in contrast to the festivities a decade ago, when Putin hosted the leaders of the United States, France, Germany, Italy and Japan. The Soviet Union lost about 27 million soldiers and civilians in what it calls the "great patriotic war" – more than any other country – and the Red Army's triumph remains an enormous source of national pride. On Saturday morning, many Muscovites sported garrison caps and black and orange striped ribbons that have become a symbol of patriotism in recent years. More than 70% of Russians say a close family member was killed or went missing during the war, making Victory Day an emotional symbol of unity for the nation. The pusher man. President Obama on Friday lashed out at critics within his own party as he accused fellow Democrats of deliberately distorting the potential impact of the sweeping new trade agreement he is negotiating with Asia and standing in the way of a modern competitive economy. With the cutting tone he usually reserves for his Republican adversaries, Mr. Obama said liberals who are fighting the new trade accord, the Trans-Pacific Partnership, were "just wrong" and, in terms of some of their claims, "making this stuff up." If they oppose the deal, he said, they "must be satisfied with the status quo" and want to "pull up the drawbridge and build a moat around ourselves." "There have been a bunch of critics about trade deals generally and the Trans-Pacific Partnership," he told an estimated 2,100 workers at the Nike headquarters here. "And what's interesting is typically they're my friends coming from my party. And they're my fellow travelers on minimum wage and on job training and on clean energy and on every progressive issue, they're right there with me. And then on this, they're like whupping on me." But Mr. Obama said that he had no political motive for supporting freer trade with Asia. "I've run my last election," he said. "And the only reason I do something is because I think it's good for American workers and the American people and the American economy." And so, "on this issue, on trade, I actually think some of my dearest friends are wrong. They're just wrong." The pusher man doesn't know what he's pushing. That was the main takeaway from a NYT article on his trip to Nike. According to the article, he made many claims about the Trans-Pacific Partnership (TPP) and opponents of the deal which are clearly wrong. For example, the article tells readers: "he [President Obama] scorned critics who say it would undermine American laws and regulations on food safety, worker rights and even financial regulations, an implicit pushback against Ms. Warren. 'They're making this stuff up,' he said. 'This is just not true. No trade agreement's going to force us to change our laws.'" President Obama apparently doesn't realize that the TPP will create an investor-state dispute settlement mechanism which will allow tribunals to impose huge penalties on the federal government, as well as state and local governments, whose laws are found to be in violation of the TPP. These fines could effectively bankrupt a government unless they change the law. It is also worth noting that rulings by these tribunals are not subject to appeal, nor are they bound by precedent. Given the structure of the tribunal (the investor appoints one member of the panel, the government appoints a second, and the third is appointed jointly), a future Bush or Walker administration could appoint panelists who would side with foreign investors to overturn environmental, safety, and labor regulations at all levels of government. (Think of Antonin Scalia.) President Obama apparently also doesn't realize that the higher drug prices that would result from the stronger patent and related protections will be a drag on growth. In addition to creating distortions in the economy, the higher licensing fees paid to Pfizer, Merck, and other U.S. drug companies will crowd out U.S. exports of other goods and services. Obama is also mistaken in apparently believing that the only alternative to the TPP is the status quo. In fact, many critics of the TPP have argued that a deal that included rules on currency would have their support. This issue is hugely important, since it is highly unlikely that the U.S. economy will be able to reach full employment with trade deficits close to current levels. (It could be done with larger budget deficits, but no one thinks this is politically realistic.) Without a considerably tighter labor market, workers will lack the bargaining power to achieve wage gains. This means that income would continue to be redistributed upward. The only plausible way to bring the trade deficit down is with a lower valued dollar which would make U.S. goods and services more competitive internationally. The TPP would provide an opportunity to address currency values, as many critics of the trade agreement have pointed out. It seems that Mr. Obama is unaware of this argument. One word: rudderless. Has it already been 10 days since they said 5,000? The European Union may accept up to 20,000 refugees a year and set up an automatic redistribution program for migrants overcrowding southern European states, under plans currently being developed in Brussels. The proposed distribution among EU states of people who haven't yet entered the bloc would use a formula that takes into account the size of the population, the strength of the economy and unemployment rates in each country, as well as the number of refugees they have taken in so far, according to a draft text seen by The Wall Street Journal. The text is due to be adopted by the European Commission—the bloc's executive—on Wednesday. The 16-page "European Agenda for Migration" comes in response to the refugee crisis Europe is facing notably from the south, after thousands of migrants have died in their attempt to cross the Mediterranean and reach EU countries. The United Nations has called on the EU to take up to 20,000 refugees a year, directly from camps outside the EU—for instance from Turkey or Lebanon, where most of the four million people who fled the Syrian war are currently located. Under the plan, an EU-wide "resettlement scheme" to meet or get close to that target will be proposed by the end of May and funded with €50 million ($56 million) in 2015-16. The exact number of places for refugees is still the subject of discussions within the commission, where 28 commissioners from each EU country have a say on the matter. "Expect a last-minute quarrel in the college of commissioners on the 20,000 resettlement figure," one EU official said. Commission chief Jean-Claude Juncker is the main driver behind this initiative, which has the backing of the German government, two EU diplomats confirmed. Germany and Sweden have so far taken the bulk of refugees in Europe and insist that a "voluntary system" doesn't mean other countries should shirk their responsibilities. The program wouldn't be binding for the U.K., Ireland and Denmark, which have opted out of the EU asylum system. If national governments agree to take refugees from outside the EU, the same distribution "key" may be used for "automatic relocation" of migrants who are already in Italy, Malta or Greece. "We have to start somewhere. Agreeing on refugees outside the EU may be easier, because they are the most in need. Then, we may move on to relocation within the EU," one EU diplomat said. For what it's worth. Jon Stewart has spent 16 years skewering U.S. politicians and media as the liberal host of television's "The Daily Show" – and many Americans think he gets it right on the issues with his satirical look at the news. In a Reuters/Ipsos online poll, the Comedy Central comic topped a list of 10 pundits, with more than half of respondents saying they agreed with him on at least some issues. Only 12% did not agree with him on any issues at all. Stewart, who will host his last Daily Show episode on Aug. 6, also ranked highest on two other traits – fearlessness and most admired. Of the 2,013 people 18 and older polled, nearly half found him unafraid in confronting "issues that others ignore," while 48% said they admired him. Daily Show alumnus Stephen Colbert, who spoofed conservative talk-show hosts for nearly a decade on Comedy Central's "The Colbert Report," tied Stewart as most admired and placed second to him on issues and fearlessness. Colbert will soon take over hosting "The Late Show" on CBS. By contrast, only 34% of respondents agreed with Rush Limbaugh. The fiery conservative talk show host was the least admired commentator on a list that also included political satirist Bill Maher, Fox News commentator Bill O'Reilly and conservative author Ann Coulter. Nearly 90% of respondents were familiar with Limbaugh's work, the most for any commentator. [..] O'Reilly was the best performing conservative in the poll, finishing third behind Stewart and Colbert with viewers on confronting tough issues and on sharing the same views. He scored 43% in both areas. He was fifth on the list of most admired pundits behind Stewart, Colbert, Maher and Briton John Oliver, another Daily Show veteran who now anchors a similar program on HBO. Is It Socialism or Just Failure? February 3, 2015 Posted by Raúl Ilargi Meijer at 12:06 am Finance Tagged with: capitalism, EU, failure, Greece, misery, socialism, US 9 Responses » Harris&Ewing House-Capitol tunnel, Washington, DC Feb 3 1939 It's all still about Greece, and that makes sense, if nothing else Syriza is a breath if not a tornado of fresh air. But those too pass. The question at the end remains: did anything really change? It's quite possible, don't get me wrong, but Tsipras and Vanoufakis are busy looking out for the people who voted for them, not the rest of the Europe, or the world for that matter. And neither should they. They've already gotten good response from Obama, from France and Britain, and if only for that reason they will get more. But you have to understand what they are trying to do: getting a better life for their own people, and that's hard enough all by itself. The best they can do for now, hopefully, is that. But Greece is merely a symptom of something bigger and deeper that is going wrong. There's an ideological battle happening between money and wellbeing, between people and banks. Western leaders have so far chosen to protect money and banks, instead of people and their wellbeing, and that's why we find ourselves where we do. Choosing money before people can only end in the demise of the system that makes such a choice. That, however, is apparently terribly hard to comprehend. And that got Greece where it is. That's why Europe set up a 'union' that shares a currency but that has no provisions to transfer funds from – even temporarily – weak regions from stronger ones. Even the US has that, or it would have imploded long ago. It's the kind of thing that makes you wonder if maybe the EU wasn't set up from the start so Germany could exploit the Mediterranean. But even that is not the core issue. It's money over people that is. And Brussels should not just be ashamed for what they've done to Greece, they should be driven out of town with tar and feathers. That's not how they see it, though. Brussels, in the voice of Eurogroup head Dijsselbloem, when he met with new Greek FinMin Varoufakis, had the audacity – and stupidity, his job is up for grabs – to point out that much progress had been made. As the troika demands have turned Greece into a third world nation. That's known as progress. If you think about it, it's not much different from how US policies have turned Detroit, and many other places, into semi-hellholes. It's fine if there's a difference between West Virginia and the Hamptons, it's just about how big that difference gets. It all comes down to a system that is failing spectacularly. Failing, that is, even if it's intentional: there are plenty Darwinists and neo-liberals who would swear the poor only get what they deserve. Just as Brussels apparently saw the Greeks: let 'em bleed, let 'em suffer, let 'em die, it's only because they borrowed too much. I can't seem to figure out the logic there: if they borrowed so much, why are they unemployed and miserable and without health care? The answer to that of course is that they didn't, it's 90%+ money that flowed into western banks to make up for their gambling losses. It should by now be a non-issue, because it's so glaringly obvious, but the narrative is strong. This is not about Greece, this is about ideology, about economics as a belief system, a system so blind it sacrifices real people and proclaims that is a good thing: 'much progress had been made'. Some people are saying: you need to help these people who end up on the wrong side of the economic tracks, while others invoke Darwin. But you need to ask how they got where they are, or you'll never solve the issue, you'll just need up murdering people. And whether they deserve it or not, murder is not legal, Mr. Dijsselbloem. And neither is using your job to put people into misery, not even if your economic beliefs say that's alright. In the US, a lot of people complain about how the country has turned into a socialist bastion. And even taking into account that the word has a very different connotation stateside than it does in Europe and other parts of the world, it's simply not correct, it doesn't fit. The US, like western Europe, is in the midst of a massive failure of its brand of capitalism. There are no free markets, no price discovery, there are asset bubbles being blown with money that belongs to our grandchildren as people are thrown into despair, while others attain unparalleled riches, and the whole grossly distorted movie is fed to everyone by a well-oiled spin machine. Yes, 40 million Americans are on food stamps, 100 million are not even officially in the labor force, and perhaps as much as most Americans are receiving some sort of government assistance, but that doesn't make it socialism. It makes it a failed capitalist system. Socialism is supposed to be about a society that cares, and that's not what those US government handouts are about. They're about keeping people quiet in a failed system. Europe understands the 'caring society' definition of socialism much better. Or it used to. Now it has to face the 'New Greeks', elected to stand up against a Europe that does not care one bit. That only wants Greece to obey its budget and bailout rules, over the bodies of its own people. The Greeks have democratically voted not to take that anymore. Can you imagine what would happen in the US if the government pay-outs were halted? If there were no more foodstamps? The epic failure of the economic system would come to light in too many ways to mention. But one thing's for sure, it would create one big mess of chaos and unrest that would sweep across the streets of the country like a tidal wave. Nothing to do with socialism, that's a political ideology, like capitalism is. There's not much between them, once you put people first in either. Still, for now, we all live in a failed economic system, and we refuse to admit it, edged on by our self-serving leaders and media. But how is it not obvious? It is in Greece, after all. October 24, 2014 Posted by Raúl Ilargi Meijer at 12:52 pm Finance Tagged with: budget, capitalism, China, ebola, EU, Germany, housing, oil, QE, UK, zombie 4 Responses » Jack Delano Family of Dennis Decosta, Portuguese Farm Security Administration client Dec 1940 • The Zombie System: How Capitalism Has Gone Off the Rails (Spiegel) • Fed's $4 Trillion Holdings Keep Boosting Growth Beyond End of QE (Bloomberg) • EU Tells Britain To Pay Extra €2.1 Billion Because It Does Well (FT) • EU Agrees To Budget Talks After £1.7 Billion Cash Demand On UK (BBC) • Renzi Vs Barroso Over EU's Budget Letter (FT) • EU Agrees Target To Cut Greenhouse Gas Emissions by 40% in 2030 (FT) • German Lawmakers Rip ECB Over Corporate Bonds Report (Reuters) • ECB Tries for Third Time Lucky in European Stress Tests (Bloomberg) • World Faces $650 Billion Housing Problem (CNBC) • China's Economic Growth May Slow Further, Data Show (MarketWatch) • China Local Debt Fix Hangs On Beijing's Wishful Thinking (Reuters) • China Home-Price Drop Spreads as Easing Fails to Halt Slide (Bloomberg) • China Scores Cheap Oil 14,000 Miles Away as Glut Deepens (Bloomberg) • Saudi Arabia's Risky Oil-Price Play (BW) • Eastern Europe Shivers Thinking About Winter Without Gas (Bloomberg) • Germany Inc. Scrutinized for Using Labor Like Paper Clips (Bloomberg) • Alabama Man Gets $1,000 In Police Settlement, His Lawyers Get $459,000 (Reuters) • Doctor With Ebola In Manhattan Hospital After Return From Guinea (Reuters) • Mali Becomes Sixth African Country To Report Ebola Case (Bloomberg) Great, long, 4-part series from German Der Spiegel magazine. Six years after the Lehman disaster, the industrialized world is suffering from Japan Syndrome. Growth is minimal, another crash may be brewing and the gulf between rich and poor continues to widen. Can the global economy reinvent itself? [..] Politicians and business leaders everywhere are now calling for new growth initiatives, but the governments' arsenals are empty. The billions spent on economic stimulus packages following the financial crisis have created mountains of debt in most industrialized countries and they now lack funds for new spending programs. Central banks are also running out of ammunition. They have pushed interest rates close to zero and have spent hundreds of billions to buy government bonds. Yet the vast amounts of money they are pumping into the financial sector isn't making its way into the economy. Be it in Japan, Europe or the United States, companies are hardly investing in new machinery or factories anymore. Instead, prices are exploding on the global stock, real estate and bond markets, a dangerous boom driven by cheap money, not by sustainable growth. Experts with the Bank for International Settlements have already identified "worrisome signs" of an impending crash in many areas. In addition to creating new risks, the West's crisis policy is also exacerbating conflicts in the industrialized nations themselves. While workers' wages are stagnating and traditional savings accounts are yielding almost nothing, the wealthier classes — those that derive most of their income by allowing their money to work for them — are profiting handsomely. According to the latest Global Wealth Report by the Boston Consulting Group, worldwide private wealth grew by about 15% last year, almost twice as fast as in the 12 months previous. The data expose a dangerous malfunction in capitalism's engine room. Banks, mutual funds and investment firms used to ensure that citizens' savings were transformed into technical advances, growth and new jobs. Today they organize the redistribution of social wealth from the bottom to the top. The middle class has also been negatively affected: For years, many average earners have seen their prosperity shrinking instead of growing. "Boosting growth". Are we ever going to get real? Quantitative easing may turn out to be a gift that keeps on giving for the U.S. economy. As the Federal Reserve prepares to end its third round of bond buying next week, the central bank plans to hang on to the record $4.48 trillion balance sheet it has accumulated since announcing the first round of purchases in November 2008. That will continue to keep a lid on borrowing costs, helping the Fed lift inflation closer to its target and providing support to a five-year expansion facing headwinds abroad, from war in the Mideast to slowing growth in Europe and China. Holding bonds on the Fed's balance sheet limits the supply of securities trading on the public markets, which helps keep prices up and yields lower than they otherwise would be. That provides stimulus to the economy just as a cut in the Fed's benchmark interest rate would, according to Michael Gapen, a senior U.S. economist for Barclays in New York and former Fed Board section chief. "Preserving it will continue to support the economy," Gapen said. "The Fed message is we think we've done enough to generate momentum and keep the economy on the right track. Now we're going to wait and see how things go." The Federal Open Market Committee plans to end its purchases of Treasuries and mortgage bonds at the next meeting Oct. 28-29, according to minutes of the last gathering. Chair Janet Yellen opened the door to keeping a multi-trillion-dollar portfolio for years, saying a decision on when to stop reinvesting maturing bonds depends on financial conditions and the economic outlook. Shrinking the balance sheet to normal historical levels "could take to the end of the decade," Yellen said at her press conference last month. Fed quantitative easing has provided the Treasury market with a steady and consistent buyer, helping to keep yields lower than they otherwise would be. The central bank is now the largest holder of U.S. government securities. Don't even try to tell me you could have made this up: "The surcharge stems from the EU changing the way it calculates gross national income to include more hidden elements such as prostitution and illegal drugs." Britain has been told to pay an extra €2.1 billion to the EU budget within weeks on account of its relative prosperity, a hefty surcharge that will further add to David Cameron's domestic woes over Europe. To compensate for its economy performing better than other EU countries since 1995, the UK will have to make a top-up payment on December 1 representing almost a fifth of the country's net contribution last year. France, meanwhile, will receive a €1 billion rebate, according to Brussels calculations seen by the Financial Times. The one-off bill will infuriate eurosceptic MPs at an awkward moment for the prime minister, who is wrestling with strong anti-EU currents in British politics that are buffeting his party and prompting a rethink of the UK's place in Europe. Mr Cameron is determined to challenge the additional fee and last night met with Mark Rutte, the Netherlands premier, to discuss the issue. His country is also being required to make a top-up payment, though it is smaller than the UK's. A Downing Street source said: "It's not acceptable to just change the fees for previous years and demand them back at a moment's notice." The source added: "The European Commission was not expecting this money and does not need this money and we will work with other countries similarly affected to do all we can to challenge this." The surcharge stems from the EU changing the way it calculates gross national income to include more hidden elements such as prostitution and illegal drugs. [..] The surcharge comes on top of the net UK contribution to the EU budget, which was £8.6 billion in 2013. Britain faces by far the biggest top-up payment: the preliminary figures show that the Netherlands pays an extra €642 million, while Germany receives a rebate of €779 million, France €1 billion and Poland €316 million. It's a shame the Anglo press make this about Britain. Holland pays far more extra per capita (more expensive hookers?), but what's really fun is that Greece has to pay more too, and Italy. Let's give the EU all the room they need to majestically screw this up. EU finance finance ministers have agreed to David Cameron's call for emergency talks after the UK was told it must pay an extra £1.7bn. Mr Cameron interrupted a meeting of EU leaders in Brussels to express dismay at the demand for the UK to pay more into the EU's coffers on 1 December. He told Commission boss Jose Manuel Barroso he had no idea of the impact it would have, Downing Street said. It will add about a fifth to the UK's annual net EU contribution of £8.6bn. There has been anger across the political spectrum in the UK at the EU's demand for additional money, which comes just weeks before the vital Rochester and Strood by-election, where UKIP is trying to take the seat from the Conservatives. EU leaders discussed the issue for an hour in Brussels on Friday, with Mr Cameron due to give a press conference later. Mr Cameron told Mr Barroso, who steps down next month, that the problem was not just press or public opinion but was about the amount of money being demanded. The surcharge follows an annual review of the economic performance of EU member states since 1995, which showed Britain has done better than previously thought. Elements of the black economy – such as drugs and prostitution – have also been included in the calculations for the first time. The prime minister will do everything he can to show he's coming out fighting over the EU budget demand. He has buttonholed Commission President Barroso. He has called for an emergency meeting. EU leaders have pondered the problem for a full hour in their meeting. The PM is proud of getting down the EU budget limit in 2013. He says it proves he can get his way in Brussels. Handing over £1.7bn to the EU would sting at any time. Doing it a few days after a crunch by-election scrap with UKIP would be agony. This could still go David Cameron's way. If he can persuade the EU to tear up the bill, he can come out smiling. If he fails it will hurt the Conservatives badly. Nice side fight. If you read the EU's budget rules, it appears to be a cut and dried affair: if the European Commission has concerns that a eurozone country's budget is in "particularly serious non-compliance" with deficit or debt limits, it has to inform the government of its concerns within one week of the budget's submission. Such contact is the first step towards sending the budget back entirely for revision. As the FT was the first to report this week, the Commission decided to notify five countries – Italy, France, Austria, Slovenia and Malta – that their budgets may be problematic on Wednesday. Helpfully, the Italian government posted the "strictly confidential" letter it received from the Commission's economic chief, Jyrki Katainen, on its website today. But at day one of the EU summit in Brussels, the letter – and Italy's decision to post it – suddenly became the subject of a very public tit-for-tat between José Manuel Barroso, the outgoing Commission president, and Matteo Renzi, the Italian prime minster. Barroso fired the first shot at a pre-summit news conference, expressing surprise and annoyance that Renzi's government had decided to make the letter public. For good measure, he took a pop at the Italian press, which in recent days has been reporting that Barroso was the one pushing for a hard line against Rome, and implying he was motivated by his desire to score political points back home in Portugal, where he has long been rumoured as a potential presidential candidate after leaving the Commission: The first thing I will say is this: If you look at the Italian press, if you look at most of what is reported about what I've said or what the Commission has said, most of this news is absolutely false, surreal, having nothing to do with reality. And if they coincide with reality, I think it's by chance. Aside from his swipe at Italian newspapers, Barroso was clearly annoyed at the Italian government, saying Katainen's letter was intended to be private correspondence to begin talks over trying to get Italy's budget back in line with EU rules: Regarding the letter from vice-president Katainen yesterday, sent to his Italian colleague, the decision to publish it on the website of the ministry of finance is a unilateral decision by the Italian government. The Commission was not in favour of the publication because we are continuing consultations with various governments. These are informal consultations and in some cases they are quite technical, and we think it's better to have this kind of consultations in an atmosphere of trust. But the Italian government contacted the Vice President Katainen telling him that he would publish the letter and of course we do not object to the publication, it is their right, but again, this is not true it is the Commission which pressed the government to publish the letter. If we wanted to publish it, the Commission could publish the letter itself. Hot air in every sense of the word. The EU has set the pace for a global climate agreement in Paris next year by overcoming resistance from eastern member states and agreeing a landmark target to cut greenhouse gas emissions. The 28-member bloc has been so riven by divisions over environmental policy in recent months that Brussels risked losing its status as the global leader in the fight against climate change. In the days before an EU summit on Thursday, countries as diverse as Portugal and Poland appeared liable to veto a deal on setting a new target for reducing emissions by 2030. Talks dragged on into the early hours of Friday morning before European leaders finally agreed to a cut of at least 40% from 1990 levels. Environmentalists have slammed this goal as the bare minimum required for the EU to play its role in containing global warming, but diplomats argue that it was the toughest target that could win broad political support across Europe. "We have sent a strong signal to other big economies and all other countries: we have done our homework, now we urge you to follow Europe's example," said Connie Hedegaard, the EU's climate commissioner. Green groups condemned the deal as a political fudge. Greenpeace had pushed for a cut of 55%. "It's a deal that puts dirty industry interests ahead of citizens and the planet," said Brook Riley of Friends of the Earth. The EU said that its 40% target would be reviewed after the UN's Paris conference next year where a global deal on cutting emissions is expected. Some European countries had been fearful that the EU would set itself too high a target, which the U.S. and China would not follow. This fight ain't over. Senior lawmakers from Chancellor Angela Merkel's conservative party heaped criticism on the European Central Bank on Wednesday following a Reuters report that it was considering the purchase of corporate bonds to spur growth. The report on Tuesday, citing several sources familiar with the central bank's thinking, said the ECB could decide as soon as December to go ahead with corporate bond buys on the secondary market, with a view to starting the purchases early next year. ECB officials confirmed on Wednesday that buying corporate bonds was an option for the bank but said no final decision had been taken on whether to go ahead. "The Governing Council has taken no such decision," an ECB spokesman said. The move would widen out the private-sector asset-buying program that it began on Monday in the hopes of encouraging more lending to businesses in the faltering euro zone economy. "With its purchase programs, the ECB is taking unforeseeable risks onto its balance sheet," said Norbert Barthle, a veteran lawmaker for Merkel's Christian Democrats (CDU) who sits on the Bundestag's budget committee. The ECB should focus on its main target of price stability and refrain from more "dubious measures" to boost the economy, Barthle warned. Hans Michelbach of the Christian Social Union (CSU), the Bavarian sister party of the CDU, said Draghi was endangering the stability of financial markets with his moves. "The ECB is turning itself into a bad bank for the euro zone's crisis countries at an increasingly rapid pace," said the senior conservative member of the finance committee. "The ECB needs a clear change of course." It'll be fun Sunday at noon EU time. Draft was just leaked that says 25 banks will fail. Numbers get bigger. For the European Central Bank, success as the euro area's financial supervisor may begin this weekend with a few failures. At noon in Frankfurt on Oct. 26, investors will learn which of the currency bloc's 130 biggest banks fell short in the ECB's year-long examination of their asset strength and ability to withstand economic turbulence. After two previous stress tests run by the European Banking Authority didn't reveal problems at lenders that later failed, the ECB has staked its reputation on getting this exercise right. The two-part audit known as the Comprehensive Assessment forms one pillar of the ECB's effort to move the euro zone forward after half a decade of financial turmoil by disclosing the extent of the damage. Since the beginning, ECB President Mario Draghi has said banks need to fail to prove the losses of the past have been dealt with. "There will be enough for policy makers to declare victory, but the full picture will take longer to emerge because this thing is so complicated," said Nicolas Veron, a fellow at the Bruegel research group in Brussels. "What you don't want is to sound the all clear and then three to six months later, there's an unpleasant surprise." Bank-level data and an aggregate report on the Asset-Quality Review and stress test will be released on the ECB's website at 12 p.m. Frankfurt time. The ECB stress test was conducted in tandem with the London-based EBA, which will release its results at the same time. The EBA's sample largely overlaps the ECB's, though it also contains banks from outside the euro area. The $650 billion is what people can't afford to pay, but have to anyway. A staggering 330 million urban households around the world live in substandard housing or are so financially stretched by housing costs they forgo other basic needs like food and health care, according to McKinsey. Urban dwellers globally fork out $650 billion more per year on housing than they can afford, or around 1% of world gross domestic product (GDP), McKinsey estimated in a new report, highlighting the enormity of the affordability gap. More than two-thirds of the gap is concentrated in 100 large cities. In several low-income cities such as Lagos and Mumbai, the affordable housing gap can amount to as much as 10% of area GDP. McKinsey's study looked at the cost of housing as a portion of household income in cities around the world to determine where urban residents were most under financial pressure For this study, it defined affordability as housing costs that consume no more than 30% of household income. Based on current trends in urban migration and income growth, the affordable housing gap would grow to 440 million, or 1.6 billion people, within a decade. This trend will exact an enormous toll on society, the report warned. "For families lacking decent affordable housing, health outcomes are poorer, children do less well in school and tend to drop out earlier, unemployment and under-employment rates are higher, and financial inclusion is lower," it said. McKinsey estimates that an investment of $9-$11 trillion would be required to replace today's substandard housing and build additional units needed by 2025. Including land, the total cost could be $16 trillion. The belief that major cities no longer have land for affordable housing is a myth, it added. Even in cities such as New York there are many parcels of under-utilized or idle land—including government-owned land—that could support successful housing development, the report said. Bet you it's already much lower than reported. September data suggest China's economic growth may well slow further, the Conference Board said late Thursday, citing its Leading Economic Index. The index rose 0.9% in September, after a 0.7% gain in August, but a 1.3% rise in July, the association said. "The six-month growth rate of the Leading Economic Index has eased steadily throughout the third quarter, indicating increased downside risks to economic growth in the months ahead," Conference Board China Center resident economist Andrew Polk said. "While activity in the property sector stabilized a bit, sharp weakening in demand for both bank credit and real estate point to sluggish private investment in the last quarter of 2014. Recent developments, therefore, confirm our long-term view of a soft fall of the economy," Polk said. It's the amounts of debt that are the problem, but Beijing wants to solve it by changing the kinds of debt. China is asserting control over once-chaotic local government financing by banning the use of opaque funding vehicles, but filling the gap with a huge expansion of the fledgling municipal bond market will raise a whole new set of problems. Chastened by promiscuous local investment in response to the 2008 global financial crisis, Beijing wants to restore discipline as part of its wider economic reforms, but the muni bond market, be deviled by price distortions and inadequate disclosure standards, is no quick fix. China's State Council, the country's cabinet-level political institution, prohibited local government financial vehicles (LGFVs) from raising funds on behalf of local authorities in a decree issued earlier this month. On Tuesday sources told Reuters the Ministry of Finance had circulated a draft document saying localities would be allowed to issue new muni bonds to pay off old debt. "It's not an isolated move – rather it's part of a systematic approach to tackle the local debt issue," said Bank of America-Merrill Lynch China strategist Tracy Tian. If the draft becomes law and localities are allowed to roll over a substantial portion of their estimated 18 trillion yuan ($3 trillion) of outstanding debt, the muni bond market would have to expand dramatically from the quota of just 109.2 billion yuan that Beijing has set for 2014. "We estimate that as much as 1 trillion yuan of new bonds may be issued to fill the financing gap in 2015," wrote UBS economist Tao Wang in a research note this month. The market appears ill-equipped for such explosive growth. It got off to a dubious start in 2014, with impoverished and debt-ridden local governments able to issue bonds at yields below even the central government's sovereign yield. It'll be fine till panic selling starts. Then it will no longer be so fine. China's new-home prices fell in all but one city monitored by the government last month as the easing of property curbs failed to stem a market downturn amid tight credit. Prices dropped in 69 of the 70 cities in September from August, the National Bureau of Statistics said in a statement today, the most since January 2011 when the government changed the way it compiles the data. They fell in 68 cities in August. The central bank on Sept. 30 eased mortgage rules for homebuyers that have paid off existing loans, reversing course after a four-year campaign to contain home prices as Premier Li Keqiang seeks to prevent economic growth from drifting too far below the government's 7.5% annual target. Home sales slumped 11% in the first nine months of this year. "Prices will continue the downtrend for the rest of the year," said Donald Yu, Shenzhen-based analyst at Guotai Junan Securities Co. "If sales in the fourth quarter fail to clear inventories as developers want, more price cuts are still likely in the first quarter of next year." All but five of the 46 cities that imposed limits on home ownership since 2010 have removed or relaxed such restrictions amid the property downturn that has dented local revenues from land sales. Bit of ISIS oil with that, perhaps? China is finding oil supplies 14,000 miles away, aided by the global rout in prices that's left producers vying for new markets. PetroChina Co. said it bought Colombian crude for a northern refinery for the first time because it was good value. The transaction underscores how the world's second-biggest oil consumer is benefiting as producers from the Middle East to Latin America vie for customers in Asia. Brent oil futures tumbled to the lowest level since 2010 as the highest U.S. output in almost 30 years cuts its consumption of foreign crude. OPEC's biggest producers are reducing prices to defend their market share. China consumed the second-biggest amount of crude on record in September and imported the largest volume ever for that time of year, customs data show. "China will just look to get the cheapest crude possible from whatever source it can," Virendra Chauhan, a London-based analyst at Energy Aspects Ltd., said by phone Oct. 21. "I expect a lot more volumes flowing to China in particular." The country's crude imports rose 7.8 percent to 27.6 million tons, or 6.74 million barrels a day, in September from last year, the data show. The number of supertankers sailing toward China's ports surged to a nine-month high last week, according to IHS Fairplay vessel-tracking signals compiled by Bloomberg as of Oct. 17. Lots of curious views and opinions on Saudi oil policy. With the U.S. on track to become the world's largest oil producer by next year, it's become popular in Washington and on Wall Street to call America the new Saudi Arabia. Yet the real Saudi Arabia hasn't relinquished its role as the producer with the most influence over oil prices. Its reserves of 266 billion barrels, ability to pump as many as 12.5 million barrels a day, and, most important, its low cost of extracting crude still make it a formidable rival to the U.S., whose shale wells are hard to exploit. "Saudi Arabia is the only one in the position of putting more oil on the market when they want to and cutting production when they want to," says Edward Chow, a senior fellow at the Center for Strategic and International Studies in Washington. The Saudis are also the most powerful member of OPEC, the 12-member group that's increasingly facing off against Russian, U.S., and Canadian production. In September, despite a global oil glut developing largely because of China's slowdown and the rapid increase in U.S. production, the Saudis boosted production half a percent, to 9.6 million barrels a day, lifting OPEC's combined production to an 11-month high of almost 31 million barrels a day. Then, on Oct. 1, Saudi Arabia lowered prices by increasing the discount it offered its major Asian customers. The kingdom might just as easily have cut production to defend higher prices. Instead, the Saudis sent a strong signal that they were determined to protect their market share, especially in India and China, against Russian, Latin American, and African rivals. Iraq and Iran followed Saudi Arabia's example. The news set off a bear market in oil: Brent crude, the international benchmark, fell from $115.71 a barrel on June 19 to $82.60 a barrel on Oct. 16, the lowest price in almost four years, as investors realized that the big oil states were not going to cut production. Better get ready to make that deal. As winter approaches, former Soviet satellite nations from Poland to Bulgaria are watching Russia and Ukraine's stalled gas negotiations with growing trepidation. The lack of discernible progress is sending a collective shiver down the spine of Eastern Europe, which retains vivid memories of Russian energy cuts during unusually cold winters in 2006 and 2009. The ensuing shortages led to shuttered factories and a return to wood for heating and cooking in rural areas. Despite the two episodes, little has been done to diversify supplies within a region that remains highly dependent on energy delivery systems dating back to the Soviet era. "Parts of eastern Europe are still quite vulnerable this winter," said Emily Stromquist, a Eurasia analyst in London. "The problem is that until recently the relations with Russia have generally been good, so perhaps there was no feeling of urgency to build quickly." If Moscow and Kiev don't reach a compromise before winter and OAO Gazprom fails to restart supplies to its western neighbor, Ukraine may resort to siphoning off gas carried through its territory. As in 2009, that could prompt Russia to cut transit through Ukraine altogether, leaving parts of eastern Europe exposed to severe shortages. Poland, Hungary and especially the Balkan peninsula would be most affected. Connected to the old Soviet pipeline system that runs through Ukraine and Moldova, the Balkan countries rely on Russia for close to 100% of their needs. Moreover, they're poorly connected with their neighbors and their underground storage isn't sufficient to cover demand for the entire winter. German salaries: €48.40 ($61.27) per hour on average. This compares to €4.81 in Romania and €25.63 in the U.S. Daimler AG is among German companies that have found a way to cut personnel costs in the high-wage country: buy labor like it's paper clips. By purchasing certain tasks such as logistics services from subcontractors, businesses can legally keep these workers off the payroll and outside of wage agreements with unions. That's led to growing ranks of contract workers who help boost profit at German companies by lowering labor costs. The downside is abuse of the system, which leaves some workers unprotected and even unpaid. That's caught the attention of Labor Minister Andrea Nahles, who's promising a crackdown, and forcing Germany Inc. to defend the practice. "We can't pay everyone the high wage" in union deals, Wilfried Porth, Daimler's personnel chief, said in an e-mail to Bloomberg News. "Our cost situation has deteriorated compared to the competition. We can't afford that." Proponents argue hiring subcontractors to provide services keeps Germany, where labor costs in the auto industry are the highest in the world, competitive. Opponents say the widespread practice in industries that include shipbuilding, retail, logistics and construction undermines the German labor model of a partnership between employers and workers. Every third employee in the German auto industry is working either for a subcontractor or as a temporary laborer, according to a poll by IG Metall union published last November. Doing so has helped keep in check already high personnel costs, which amount to €48.40 ($61.27) per hour on average, according to the Berlin-based VDA auto industry group. This compares to €4.81 in Romania and €25.63 in the U.S. What a lovely example of a screwed up society. For all sorts of reasons. An Alabama man who sued over being hit and kicked by police after leading them on a high-speed chase will get $1,000 in a settlement with the city of Birmingham, while his attorneys will take in $459,000, officials said Wednesday. The incident gained public attention with the release of a 2008 video of police officers punching and kicking Anthony Warren as he lay on the ground after leading them on a roughly 20-minute high-speed chase. Warren is serving a 20-year sentence for attempted murder stemming from his running over a police officer during the chase, in which he also hit a school bus and a patrol car before crashing and being ejected from his vehicle. Under the terms of the settlement of Warren's 2009 federal suit, in which he accused five Birmingham police officers of excessive force, his attorneys will receive $100,000 for expenses and $359,000 in fees, said Michael Choy, an attorney representing the officers on behalf of the city. The agreement was reached last month and approved on Tuesday by the Birmingham City Council. The city settled to avoid further litigation and the risk of a higher payout, Choy said. Riding the subway?! A doctor who worked in West Africa with Ebola patients was in an isolation unit in New York on Friday after testing positive for the deadly virus, becoming the fourth person diagnosed with the disease in the United States and the first in its largest city. The worst Ebola outbreak on record has killed at least 4,900 people and perhaps as many as 15,000, mostly in Liberia, Sierra Leone and Guinea, according to World Health Organization figures. Only four Ebola cases have been diagnosed so far in the United States: Thomas Eric Duncan, who died on Oct. 8 at Texas Health Presbyterian Hospital in Dallas, two nurses who treated him there and the latest case, Dr. Craig Spencer. Spencer, 33, who worked for Doctors Without Borders, was taken to Bellevue Hospital on Thursday, six days after returning from Guinea, renewing public jitters about transmission of the disease in the United States and rattling financial markets. Three people who had close contact with Spencer were quarantined for observation – one of them, his fiancée, at the same hospital – but all were still healthy, officials said. Mayor Bill de Blasio and Governor Andrew Cuomo sought to reassure New Yorkers they were safe, even though Spencer had ridden subways, taken a taxi and visited a bowling alley between his return from Guinea and the onset of his symptoms. "There is no reason for New Yorkers to be alarmed," de Blasio said at a news conference at Bellevue. "Being on the same subway car or living near someone with Ebola does not in itself put someone at risk." Health officials emphasized that the virus is not airborne but is spread only through direct contact with bodily fluids from an infected person who is showing symptoms. After taking his own temperature twice daily since his return, Spencer reported running a fever and experiencing gastrointestinal symptoms for the first time early on Thursday. He was then taken from his Manhattan apartment to Bellevue by a special team wearing protective gear, city officials said. He was not feeling sick and would not have been contagious before Thursday morning, city Health Commissioner Mary Travis Bassett said. "Others at risk are Benin, Cameroon, Central African Republic, Democratic Republic of Congo, Gambia, Ghana, Mauritania, Nigeria, South Sudan, and Togo." Add Kenya. Mali became the sixth West African country to report a case of Ebola, opening a new front in the international effort to prevent the outbreak of the deadly viral infection from spreading further. A 2-year-old girl who traveled from Kissidougou, Guinea, with her family to Mali was admitted to a hospital in Kayes yesterday, Malian President Ibrahim Boubacar Keita's office said in a statement. Test results confirmed she had Ebola. Ebola has infected almost 10,000 people this year, mostly in Sierra Leone, Guinea and Liberia, killing about 4,900. Senegal and Nigeria, which also had cases, are now free of the virus. Disease trackers now must trace everyone the girl came in contact with and monitor them for signs of infection. Mali was one of four countries the World Health Organization said this month was at highest risk of Ebola among a group of African nations the agency said needed to be prepared for cases. A WHO-led team has been in Mali this week helping to identify gaps in the country's defenses. "The big issue is getting the response up in those countries so that you can prevent a travel-related case from becoming an outbreak," Keiji Fukuda, the WHO's assistant director-general for health security, said in a phone interview today. "We're working with Mali to try to contain it in the same way that it was contained in Senegal and in Nigeria." Mali, a nation of about 16.5 million people to the northeast of Guinea, is Africa's third-largest gold producer. Ivory Coast, Senegal and Guinea Bissau also are at the top of the list of countries that need to be prepared for Ebola cases, the WHO said Oct. 10. Others at risk are Benin, Cameroon, Central African Republic, Democratic Republic of Congo, Gambia, Ghana, Mauritania, Nigeria, South Sudan, and Togo.

Jump bikes are launching in Seattle on Monday After months of permit process, a second bike-share outfit is rolling out By Sarah Anne Lloyd@sarahannelloyd Nov 19, 2018, 12:01am PST Jump bikes staged for their Seattle debut. Courtesy of Jump Seattle announced it's official, permanent rules for private bike-share operations over the summer, and since then, we've been in a state of limbo. Spin and Ofo, choosing not to apply for a long-term permit, pulled out of the city at the end of August—leaving just Lime kicking around until more permits could be approved. Today, Lime finally gets some competition: Jump, an all-electric fleet owned by Uber, had its permit approved by the Seattle Department of Transportation (SDOT) on Friday, and will start placing bikes around Seattle on 6 a.m. Monday morning. The initial fleet size will be 300, but Jump plans to increase incrementally over the coming weeks and months, eventually reaching 5,000 around March, according to its application packet. "Seattle has been a leader in dockless bike share, so we're thrilled to bring our Jump electric bikes as the first step towards offering Uber customers a multi-modal transportation platform in this great Northwest city," said Jump spokesperson Nelle Pierson in a statement. "Bike sharing is an environmentally friendly, affordable way to get around, and a mobility option we believe should be a permanent cornerstone of a city's transportation system." Jump Bikes: TLDR Staff will start placing Jump bikes around Seattle at 6 a.m. on Monday, November 19 Bikes cost $1 to unlock and 10 cents a minute, with discounts available to lower-income riders All bikes are pedal-assist electric bikes Integrated locks allow bikes to be locked to racks, keeping out-of-use bikes out of the way and allowing stopovers Unlock using the Jump or Uber app, with an account number and PIN, or using an RFID card like an ORCA card Up to five rides a day are free through December 12 Riders will be subject to the same rules as with other Seattle dockless bike shares Jump's e-bikes are $1 to unlock and 10 cents per minute to ride. This is the same price structure as Lime-E bikes upon their debut, although prices have since gone up to 15 cents a minute. Low-income riders qualify for the Boost plan, which costs $5 a month—about the cost for 40 minutes of ride time under the regular pricing structure—for 60 minutes of ride time every day (and 7 cents a minute after). As part of the launch, all users can get up to five free trips up to 30 minutes long every day through December 12. The bright red, 70-pound, geared, pedal-assist bicycles have a front basket, a grip bell, integrated front and rear lights, and a solar panel that powers the rear interface. The aluminum frame has full-coverage fenders with a skirt guard, and rollerbrakes—a type of drum brake—are generally regarded as suitable for steep hills and unpredictable weather. The bikes coming to Seattle are Jump's newest generation, with swappable batteries and phone holders between the handlebars. Jump grew from Social Bicycles (Sobi), which currently runs semi-docked bike shares in 40 markets, including Portland (Biketown), Phoenix (Grid), Long Beach, and Pullman (Coug Bikes). Those who have used Sobi in the past are familiar with the basic unlocking process: Enter an account number and PIN on the interface. While the account and PIN system means bikes can be unlocked without using a smartphone, users can also reserve and unlock bikes using the Uber or Jump app. With Jump bikes, there's another option for unlocking: registering any radio-frequency identification (RFID) chip and tapping. This means anyone with an ORCA card can use that to unlock a bike. A Seattle warehouse full of Jump bikes. Unlike Limebikes, Jump bikes have a system with built-in locks, which will eventually require locking to a rack or other infrastructure, although the lock-to-object requirement doesn't start until March 15, 2019. A $25 fee is applied if a bike is locked improperly. This helps keep bikes out of the right-of-way and from falling over. It also allows for stopovers—e.g., if you ride a Jump bike to a grocery store, you can park it and come back instead of finding a whole new bike to haul your groceries back home. In a city ranking of bike-share permits, Jump scored a 7.3—the second-highest score given to part of any application—for parking and fleet management. The initial service area goes north to 65th and south to McClellan, although Jump plans to expand as the fleet expands. Users will get a warning when riding a bike outside the service area, and ending a trip outside the service area incurs a $25 fee. One tricky part of bike-share in Seattle is a King County law requiring all cyclists to wear a helmet—something difficult to navigate with a shared system. Through December 18, Jump will be handing out helmets at 1191 Second Avenue from 11 a.m. to 6 p.m. every day except Tuesdays and Sundays. Jump also participates with helmet manufacturers to provide discounts to customers: a $25 discount with Thousand and a 50 percent discount with Westridge. Boost-eligible customers get free helmets. (There will also be the standard disclosures, like in-app safety notices, warnings on the bikes.) Another challenge: Jump is launching its bikes in November, which can mean chaotic, unpredictable weather in Seattle. Pronto, Seattle's ill-fated docked system, kicked off in October 2014—and while being born into a rainy season was the least of Pronto's problems, it didn't exactly set the stage for success (or high ridership). "We think people will discover riding the bikes is a great experience, no matter the time of year," said Uber spokesperson Nathan Hambly when asked about the timing. "They're equipped with fenders and automatic lights. When riding in inclement conditions, though, we do suggest people take that into account by riding slower, taking wider turns and braking earlier." A Jump bike is prepared for launch. This leaves just one more service left to launch: Lyft Bikes, a rebranding of prolific bike-share operator Motivate. Motivate has historically run docked bike-share programs—like Seattle's ill-fated Pronto system and New York's Citibike—but has been breaking into dockless, too. In Seattle, Lyft plans to introduce bikes at $1 to unlock and 15 cents per minute, according to its permit application. In response to a request for comment, a Lyft spokesperson stayed cagey on the details: "We're excited about the possibility of bringing more mobility options to Seattleites to give them another affordable and convenient way to get around." Lyft's pedal-assist bikes, according to its permit application, are also pedal-assist electric bikes that use a lock-to system, with a similar overall design and weight to Jump bikes. (Both are heavier than Lime's e-bikes.) Lyft scored highest in the city's permit evaluation. While Lime had to re-apply for its permit—and, despite scoring highest in experience, scored lowest overall for its application—an SDOT spokesperson told us that its permit is not in jeopardy. This article has been updated to correct the rental rate for Jump bikes, which was inconsistent in its original version, and to clarify that lock-to rules don't apply until March. Seattle Bike Share 3.0 Our guide to Seattle's bike shares Scooter-share companies vie for a place in Seattle Seattle's 22 best furniture and home decor stores Give your pad a local makeover 8 beginner hikes in and around Seattle Whether you are a beginning hiker or an experienced one looking for something close and quick, these trails could be a perfect fit. The 25 best things to do in Seattle with kids From beaches that will make you feel like you're in California to top-notch theater productions geared towards the younger set, the Emerald City is full of things to do as a family. 10 dog-friendly hikes in and around Seattle Take your best friends on some beautiful walks, from Discovery Park to Mount Si. The Seattle filming locations of '10 Things I Hate About You,' mapped No, there are no sheep

Tag Archives: 上海龙凤419UQ Cameron Delaney Tabbed Honorable Mention All-America May 31, 2020 votwpslwaksb上海千花网FG, 上海后花园RK, 上海楼凤HP, 上海楼凤KC, 上海楼凤LK, 上海龙凤419FA, 上海龙凤419UQ, 不准不开心论坛RW, 夜上海论坛PK, 夜上海论坛QF, 贵族宝贝HN, 贵族宝贝UVadmin Delaney, who was named the 2019 Southland Conference Player of the Year last month, is the fourth all-American in Bearkat history, joining Gilberto Clavell (2011), Joe Thompson (2005) and Donald Cole (2003) who all also earned honorable mention nods after their Southland Conference Player of the Year seasons. The Harker Heights native led the Bearkats to a Southland Conference title in 2019, leading the team in scoring with an average of 13.4 points per game to go with 5.5 rebounds. He was even better in Southland Conference play, averaging 15.6 points and 6.3 boards per contest, while hitting 50.6 percent of his shots from the field. Courtesy of Sam Houston State Athletics Media RelationsHUNTSVILLE, Texas – Sam Houston State senior Cameron Delaney added another honor to his ledger on Tuesday as he earned an honorable mention nod to the Associated Press All-America team. Delaney also hit 49.1 percent of his three-point tries against Southland competition and reached double figures in 25 of 33 games on the year. read more Donald Trump calls Iran attack on US drone a big mistake July 24, 2019 votwpslwaksb上海419龙凤VI, 上海夜网FY, 上海龙凤419UQ, 南京夜网EA, 南京夜网ZJ, 娱乐地图RY, 杭州桑拿ER, 爱上海QL, 爱上海VQ, 苏州桑拿KJadmin Share via Email Middle East and North Africa Simon Tisdall Share on WhatsApp Julian Borger in Washington and Patrick Wintour in London 'Does the president have the power to declare war?': Democrats question Trump official – video US security officials have been summoned to the White House to discuss a response to the shooting down of a US spy drone, which Donald Trump has called a "big mistake" by Tehran.Iran said it shot down the unmanned aircraft in its airspace. The US military has said it was downed over international waters in the strait of Hormuz.A meeting of senior security officials, including the chairman of the joint chiefs of staff, Gen Joseph Dunford, convened in the White House on Thursday morning to discuss how to react. As his officials were conferring, Trump tweeted: "Iran made a very big mistake!"But the US president later appeared to play down the incident, saying that the drone could have been shot down "by mistake." "I think probably Iran made a mistake – I would imagine it was a general or somebody that made a mistake in shooting that drone down," he told reporters during an appearance with Canadian Prime Minister Justin Trudeau. He was coy about whether the U.S. would respond, saying only that "you'll find out."Earlier the president chaired a meeting with his national security adviser, John Bolton; the secretary of state, Mike Pompeo and the acting defence secretary, Patrick Shanahan. Bolton is reported to be planning to fly to Israel for consultations on the worsening situation.The Islamic Revolutionary Guard Corps news website said the drone "was shot down when it entered Iran's airspace near the Kouhmobarak district in the south", referring to the area of Iranian coast facing the strait of Hormuz."The downing of the American drone was a clear message to America … our borders are Iran's red line and we will react strongly against any aggression … Iran is not seeking war with any country, but we are fully prepared to defend Iran," the Revolutionary Guard commander, Hossein Salami, said, according to Iranian media. Iran has announced its intention to take the matter to the UN security council.The US has denied the drone was anywhere near the Iranian coast and said that the use of a high-powered anti-aircraft missile was a danger to commercial airliners in the region."This was an unprovoked attack on a U.S. surveillance asset that had not violated Iranian airspace at any time during its mission," General Joseph Guastella, US Central Command's top air force commander told reporters."This attack is an attempt to disrupt our ability to monitor the area following recent threats to international shipping and the free flow of commerce," Gen Guastella said. "The aircraft was over the Strait of Hormuz and fell into international waters."US officials confirmed the downed aircraft was a US navy Global Hawk surveillance drone, which had been hit by an Iranian surface-to-air missile over the strait of Hormuz at 11.35pm GMT.The $130m (£102m) Global Hawk is the world's largest surveillance drone, packed with sophisticated electronics and the size of a small commercial airliner. Iranian forces and allied militias had previously fired at and brought down US Reaper drones, but this is the biggest US target Iran has hit to date, as tensions in the region escalate.Close to the same time as the drone was shot down, Houthi rebels in Yemen, who are backed by Iran, hit a Saudi desalination plant with an apparently sophisticated missile, and there have been a string of rocket and mortar attacks on or close to US facilities in Iraq.On Wednesday the Pentagon confirmed it was sending an additional 1,000 troops to the Gulf in response to two attacks on commercial tankers on 13 June which the US has blamed on Iran's Revolutionary Guard.Trump downplayed the tanker attacks as "very minor" but US officials have made clear to Iran that it would view an attack on its forces by Iran or proxy militias as a threshold for a military response.It is unclear how it will react to an attack on an unmanned – but very large and expensive – aircraft. Asked for comment on the agenda's of Thursdays meeting a national security council spokesman said: "We don't comment on internal deliberations." Support The Guardian Iran said the US drone was shot down by the "3rd Khordad" air defence system, which is an Iranian equivalent to the Russian Buk system that downed Malaysia Airlines flight MH17 over Ukraine in 2014. The use of such weapons in an area of crowded skies has underlined the dangers of the standoff in the Gulf spinning out of control.The secretary of Iran's supreme national security council, Ali Shamkhani, had said on Wednesday that Tehran would respond to any intrusion into its airspace or waters.Shamkhani emphasised that Iran robustly protects its aerial and maritime borders, describing its airspace as the country's "red line". "No matter whose plane trespasses into it, we have always given and will give a harsh response to intruders." US considers response to shooting down of US drone that Tehran claims was flying in Iranian airspace Thu 20 Jun 2019 12.04 EDT Topics Iran Share on Pinterest news The Iran crisis was created in Washington. The US must be talked down Play Video As US and Iranian forces face off in the Gulf, another potential flashpoint for conflict is drawing closer. Iran has set a deadline of 27 June by which it will breach limits on uranium stockpiles set out in the nuclear deal, a development likely to lead to renewed US demands that the EU states France, Germany and Britain join the US in pulling out of the deal.Iran says it is gradually suspending its adherence to the deal in response to the economic stranglehold being imposed on the country by US sanctions. It has warned it will raise the level at which it enriches uranium on 8 July, which would be a much more significant step as it would considerably shorten the amount of time Iran would need to build a warhead if it were to decide to make a nuclear weapon.A meeting of the joint commission that oversees the deal, known as the Joint Comprehensive Plan of Action, is due to meet on 28 June in Vienna – bringing together Iran, the three EU states, China, as well as Russia. The EU will urge Iran not to take further steps to pull out of the deal, and may put Iran's actions into the JCPOA's lengthy dispute mechanism. Share on Messenger Donald Trump calls Iran attack on US drone a 'big mistake' 2:19 Play Video Read more Share via Email 0:46 Share on LinkedIn First published on Thu 20 Jun 2019 00.03 EDT Speaking in London, the Saudi foreign minister, Adel al-Jubeir, said: "The international community is determined to push back against Iran's aggressive behaviour".Saying steps were being prepared to protect shipping in the Gulf, he added: "Freedom of navigation is essential to global security and the world economy. Any attempt to close the strait of Hormuz will provoke a very strong reaction." Shares1,4451445 Saudi Arabia Trump suggests a 'loose and stupid' Iranian officer shot down US drone – video Donald Trump Reuse this content Share on Facebook Share on Twitter … we have a small favour to ask. The Guardian will engage with the most critical issues of our time – from the escalating climate catastrophe to widespread inequality to the influence of big tech on our lives. At a time when factual information is a necessity, we believe that each of us, around the world, deserves access to accurate reporting with integrity at its heart.More people are reading and supporting The Guardian's independent, investigative journalism than ever before. And unlike many news organisations, we have chosen an approach that allows us to keep our journalism accessible to all, regardless of where they live or what they can afford. But we need your ongoing support to keep working as we do.Our editorial independence means we set our own agenda and voice our own opinions. Guardian journalism is free from commercial and political bias and not influenced by billionaire owners or shareholders. This means we can give a voice to those less heard, explore where others turn away, and rigorously challenge those in power.We need your support to keep delivering quality journalism, to maintain our openness and to protect our precious independence. Every reader contribution, big or small, is so valuable. Support The Guardian from as little as $1 – and it only takes a minute. Thank you. Share on Twitter Share on Facebook Iran Since you're here… US military read more

DPP promises to pass political donations bill `SUNSHINE LAW': President Chen Shui-bian said the party wants the proposed law governing donations to political parties voted upon by the end of the month By Chang Yun-ping / STAFF REPORTER Wed, Feb 11, 2004 - Page 3 The Democratic Progressive Party (DPP) yesterday pledged to pass a law governing political donations (政治獻金法) by the end of this month to resolve long-standing controversies over political donations. President Chen Shui-bian (陳水扁) made the vow during yesterday's meeting of the DPP's Central Standing Committee. While the party has made the proposed law a legislative priority, Chen also urged the passage of two other "sunshine" bills -- the political party bill and the lobbying bill. According to a statement by Chen that was read to reporters after the meeting, "the DPP will do its best to complete the legislation of the political donation bill within the shortest time. "If the law can't be passed before the March 20 election, all DPP members, including myself, will allow for public oversight [on donations] by observing the regulations on political donations based on the Cabinet's current version of the political donation bill," Chen's statement said. DPP Legislator Lo Wen-chia (羅文嘉) also stressed the party's firm determination to pass the donation bill regardless of which version of the bill is supported by the ruling and opposition parties. "One law [on political donations] passed is better than nothing. Now is the moment of truth for the donation bill to be passed," Lo said. Lo said legislation governing political donations has been discussed for more than a decade, but has always been held back as it would have a tremendous impact on politicians who would be forced to reveal details of all the donations they receive. DPP Legislator Eugene Jao (趙永清), leader of the legislative inter-party negotiations on the donation bill, yesterday urged the Chinese Nationalist Party (KMT) and People First Party (PFP) to immediately clarify their attitude to the proposed law. Jao urged opposition lawmakers to cooperate with the review process in order to accelerate the passage of the bill. In related news, DPP campaign spokesperson Wu Nai-jen (吳乃仁) yesterday denied pan-blue allegations that the administration tried to profit by selling Tuntex Petrochemicals, owned by fugitive Chen Yu-hao (陳由豪), at below-market prices. Wu said no one wanted to buy the company last year when it was first auctioned with a reserve price of NT$9.3 per share. The market value was NT$24 a share. "As far as I know, no one in the green camp has the ability to buy the company's shares," Wu said. "Please don't ignore the fact that the only reason the company's shares were up for sale was because Chen Yu-hao had mortgaged them to the banks," Wu said. "Since he never paid interest to the banks, the banks had to sell their shares to cover the debt." Meanwhile, Lo said the impact of Chen Yu-hao's accusations on the DPP's electoral prospects was negated after the president's clear explanation rebuffing the charges of illegal connections with the tycoon. Lo said saying the DPP's presidential ticket is leading its rival by 0.9 percent support.

Aim Bulletin Iain Gilbert Sharecast News 28 Jan, 2022 09:15 28 Jan, 2022 09:15 Trackwise FY revenues and operating loss seen in line, names Paul Cook as CFO-designate Trackwise Designs Printed circuit technology products provider Trackwise Designs said on Friday that it expects to report full-year revenues of approximately £8.08m and an adjusted operating loss of around £540,000, both in line with market expectations. Electronic & Electrical Equipment Trackwise Designs posted record IHT revenues of £1.43m, an increase of 140% year-on-year, with the number of engaged IHT customers increasing as the firm continued to grow opportunities across its primary target markets of electric vehicles, medical and aerospace. The AIM-listed company noted that it had received first-half orders from a UK electric vehicle original equipment manufacturing customer that now totalled in excess of £3.5m and expects to receive further orders for the third and fourth quarters in due course. Trackwise also said its new plant at Stonehouse had continued to progress in line with its recent fundraise announcement and remains on track to deliver the remainder of the agreed volumes with its UK EV OEM customer. Elsewhere, Trackwise tapped Paul Cook to take over as chief financial officer, succeeding outgoing CFO Mark Hodgkins following the group's annual general meeting in June. As of 0915 GMT, Trackwise shares were up 2.68% at 84.20p.

Introducing the Work of the Hearing Voices Network This collection includes six articles about the work of the Hearing Voices Network: Introducing the Work of the Hearing Voices Network— David Denborough An introduction by David Denborough The Use of Humour and Other Coping Strategies— Jon Williams Everyone's experience of hearing voices is different. In this paper Jon Williams describes the ways in which he has come to live with the voices he hears and how humour plays a vital part. This paper also describes a number of creative coping strategies as well as discussing the influential work of the Hearing Voices Network. Glimpses of Peace— Sharon De Valda Trauma can be the main trigger or cause of voice-hearing in many people. In this paper, Sharon de Valda evocatively conveys how racism and sexism shape her experience of hearing voices and how she has in turn used her own experiences to assist other voice-hearers. From Paranoid Schizophrenia to Hearing Voices - and Other Class Distinctions— Mickey De Valda While not commonly discussed, class relations have a significant influence in relation to people's experiences of mental health and hearing voices in particular. In this paper, Mickey de Valda describes how experiences of class shape his experience and how this has influenced his work with the Hearing Voices Network. Partnership— Julie Downs In this paper, Julie Downs (Co-ordinator of the National Office of the Hearing Voices Network) discusses the importance of thoughtful partnerships between those who hear voices and those who do not. Both the hazards and possibilities of these partnerships are considered, particularly in relation to matters of power, politics and control. Altering the Balance of Power: Working with Voices— Peter Bullimore Through sharing stories of therapeutic work, this paper describes how issues of abuse and power are vital considerations when working with voice-hearers. Not only is voice-hearing often the result of abuse, but voice-hearing itself can be an experience of abuse. Peter Bullimore describes how he is interested in ensuring that abusive voices are challenged and their influence reduced, and how positive voices can be acknowledged and cherished. The paper also tells stories of a recently established group for people experiencing 'paranoia' that is having surprising success, and identifies significant factors that influence the process of recovery. The author also shares some of his own experiences of psychosis and how these influence his work in this area. Narrative Ideas in the Field of Child Protection— Alison Knight & Rob Koch This paper explores the use of various narrative practices with children and their families in child protection settings. The first half examines how a 'double listening' approach and the engagement of outsider witnesses can be used with children who have experienced trauma and abuse. The second half of the paper gives an account of therapy over a number of months, with a family struggling with the effects of violence, alcohol and depression. Externalising conversations were found to be very helpful in allowing members of the family to work together in response to these challenges, rather than working against each other. These conversations were also documented through digital photographs of a child's drawings on a whiteboard, which were then sent to the family as a form of therapeutic document. 'A Different Story': Narrative Group Therapy in a Psychiatric Day Centre— Ron Nasim This paper describes a narrative group therapy model applied in a psychiatric day centre. The group was conceived as a form of definitional ceremony, in which a participant is invited to share an account of a unique outcome that happened to them recently, while the other members serve as outsider witnesses to this development. A detailed example of a therapeutic conversation about depression, and the outsider witness group's responses, shows how these generative conversations can be held in a psychiatric setting. A second example of this work details how outsider witness group reflections can be used to form the basis of an alternative kind of 'discharge letter'. Finally, the paper discusses significant dilemmas arising from the work, including how to discern which subordinate story-lines to develop from the many entry points available. Introducing Narrative Psychiatry: Narrative Approaches to Initial Psychiatric Consultations— SuEllen Hamkins This paper is the first in a series to examine the use of narrative therapy approaches within psychiatry. The author, psychiatrist SuEllen Hamkims, describes ways in which narrative ideas shape the initial conversations she has with those who consult her. Initial psychiatric consultations are conceptualised as re-authoring conversations in which questions that generate experience and gather information assist in the development of a history of resistance to the problem. Examples of co-research and letter-writing are also offered. The paper ends with a reflection from Virginia Slaughter whose conversations with the author about experiences of depression are offered as examples of this work. Using Narrative Practices with Anxiety and Depression: Elevating Context, Joining People, and Collecting Insider-knowledges— David Newman This paper, first delivered as a keynote address at the Reconnexion Annual National Anxiety and Depression Conference in Melbourne, May 2010, explores various narrative practices in responding to anxiety and depression: elevating context and externalising problems, linking people in the work, uncovering local and insider-knowledges, and documenting and archiving these knowledges, including using 'living documents' as collective therapeutic documents. A narrative therapy approach to dealing with chronic pain— Laurel Phillips This article outlines a narrative therapeutic approach to working in collaboration with people experiencing chronic pain. This approach was created in concert with 13 co-researchers who were experiencing, or had partners who experienced, varying degrees of pain. Contributing therapeutic conversations spanned a ten-month period. Outcomes were achieved through the application of various narrative therapy principles including externalisation, mapping the influence of the problem, remembering practices, developing an experience-near definition of the problem, double listening, alternative or preferred story development and the use of collective documents and definitional ceremonies What emerged from this were two themes: The identification, importance and use of personally constructed strategies, and the reduction of pain experiences by addressing self-identified problems that were more pressing than pain. Narrative therapy was successful in helping to re-establish valued ways of living that chronic pain often sidelines. We found that it is possible to reduce experiences of pain by addressing more pressing problems. Johann Hari discusses the opioid crisis and ways of responding to anxiety and depression— Anthony Corballis I recently had the pleasure of interviewing journalist, Johann Hari, author of Lost Connections (2018) and Chasing the Scream (2015a), and presenter of the Ted Talk 'Everything you think you know about addiction is wrong' (2015b). This was incredibly exciting for me, because many of his ideas are in alignment with the ideas and practices of the Deconstructing Addiction League (2004), which I am currently developing. In his work, Johann offers fascinating insights into the study of 'addiction', 'anxiety' and 'depression', and I'd like to share some of his findings with you. Turning Depression on Its Head: Employing Creativity to Map Out and Externalise Depression in Conversations with Young Women— Sarah Penwarden This paper explores the counter-effects of creativity on depression, and gives an example of creative narrative therapy strategies in externalising and storying depression in conversations with young women at a New Zealand high school. Which resource in this cha

Afterpay's Barry Odes banks $7.3m options profit You can bet Odes considers himself a company man. These have been the happiest four years of his life. Joe AstonColumnist Apr 16, 2020 – 11.19pm There must be quite a queue forming at the company secretary's desk at Afterpay headquarters. On Wednesday, chief financial officer Luke Bortoli crystallised $6.25 million of pure, post-tax profit converting his vested $5 options into shares with a $27.88 closing price. How many high fives must CEO Anthony Eisen cop between the elevator and his desk each morning?! Elke Meitzel Bortoli's whopping booty has been availed less than two years into his tenure, and in addition to his statutory remuneration of $770,812. How many high fives must CEO Anthony Eisen cop between the elevator and his desk each morning?! On Thursday, Eisen's chief of staff Barry Odes joined the rush, exercising (and doubtlessly then selling) 500,000 options with a $2.30 strike price. Based on Thursday's closing price of $27.28, he collected $13.6 million. He exercised (and sold) the first 250,000 of these options in February 2019 and still holds another 500,000 options in his name with a $2.70 strike price. Odes would also have been on a sickening ride, given the shares bottomed at $8.90 on March 23 but half of his already-determined income tax liability is based on the $30.98 price on September 1, his last vesting date. Thankfully the other half vested on September 1, 2018, when Afterpay shares hovered about $18.13, so Odes owes the Tax Commissioner a reasonable $5.2 million (we really should charge for this). There's also the $1.15 million he owes Afterpay for the options. The rest – an enchanting $7.3 million – is gravy. You can bet Odes considers himself a company man. These have been the happiest four years of his life. Boy oh boy, Eisen must get some of the best Glassdoor ratings in the history of the platform. His popularity with the existing shareholders he's diluting in perpetuity? That will depend on how long he can keep the share price where it is. Joe Aston has helmed The Australian Financial Review's Rear Window column since 2012. He is based in Sydney. Connect with Joe on Facebook and Twitter. Email Joe at [email protected] Block Inc. Latest In Financial services Most Viewed In Rear window

Succession planning brings to mind a leadership transition. Yes, it is true that people leave organizations, BUT succession planning is not solely about leadership transitions. Succession planning brings to mind a leadership transition. Yes, it is true that people leave organizations (and more than two-thirds are predicted to do so with the upcoming baby boomer departures), but succession planning is not solely about leadership transitions; nor should it be viewed as a technical fix or a transactional exercise. Succession planning at its core is about ensuring organizational sustainability by identifying and addressing key vulnerabilities so that the organization is not dependent on any one leader, funder, strategy or way of thinking. It touches on everything from framing choices for the future (including asking whether the organization should exist in its current form), developing sustainable business models, to strengthening staff and board leadership – in essence, all the core activities needed to support the success of the organization's mission and its leaders over time. Don't Wait for an Emergency or a Departure to Start Sustainability Planning at Your Nonprofit. A strategic plan is always in place, including objectives for leadership talent development. The board evaluates the executive director annually. The board, based on an annual self-evaluation, is satisfactorily performing its major governance jobs: financial oversight, executive support and oversight, policy development and strategic planning. Top management is a high-performing team. Another staff person or board member shares important external relationships (major donors, funders, community leaders) maintained by the executive. A financial reserve is in place with a minimum of 3 months' operating capital. Key staff have documented their key activities in writing and another staff person can conduct their duties in an emergency. Emergency succession plan is in place. Download our Transition Planning Worksheet to assess your organization's readiness.

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Warehouse 13: Season 4, Episode 4: There's Always a Downside Artie is sending Claudia and Pete on one mission and Jinks and Myka on another. Partly so that he can ask Pete to keep an eye on Claudia, since he keeps having that "Claudia stabbing him" vision thing because of the metronome that's got him rather concerned. Claudia and Pete are going to see the old computer expert, Hugo. He has Bobby Fischer's marbles – each of which can give a person massive ambition and drive but prolonged exposure causes violence, insanity and strokes – typical artefact fodder. When he worked for the Warehouse, these were high priority acquisitions for him and he never found them – but someone anonymously fed-exed them to him. Worse, his nephew, Brady, is in a highly competitive school and used one to write a paper for an inter-school event and now the veins on his arm have gone all dark and throbbing, which is probably problematic. Which is more problematic is that they can't just goo the marbles because Brady's a nice kid who shares his toys – and has leant out 4 of them. And for added problem not only do the marbles cause violence but they're doing so at a school that emphasises stress, tension and competition. And yes, the students are well and truly losing it, attacking teachers who give them less than perfect grades, attacking students who have done better than them, attacking people to get on competitive teams. And with the black veins reaching his eyes, Brady collapses. They're all entering close to the stroke zone And the last marble is in the hands of the headmaster – who is now pursuing his goal. And his goal is to kill the budget cutting school board who he hates so much. At this point all the marbled students try to stop Hugo and Claudia and need tesla-ing. Hugo also has a moment of doubt because he showed the marbles to his nephew in an attempt to begin recruiting him as a Warehouse agent and now blames himself for all the problems. They hurry to the gym and discover the headmaster in the furnace room under it, preparing to unleash a toxic gas on the school board – and the entire student body. Pete gets knocked out, wakes up and knocks him out in return (concussions for everyone!) Faced with the daunting task of turning off the furnace, Pete has to use the marble to focus and figure out how to turn it off (seriously? It's a furnace. Not a nuclear power station). Marbles are collected and gooed, problem solved! Meanwhile, Jinks and Myka are looking for an artefact that miraculously cures people with severe mental illnesses. And yes this seems good but all artefacts have a downside. It is known (except for the dozen or so they use on a regular basis, including instead of guns, tasers and mobile phones and whatever else Artie pulls out of his bag of tricks as needed). Dr. Goodman, the therapist who is treating all of these patients is worried (which is one good thing, she's not running around screaming "miracle cure") since proper healing takes time. Jinks, however, is concerned that they're trying to stop an Artefact that is doing so much good. Steve is vaguely disturbed by the not-very-comforting skeleton picture the nice therapist woman has decided to put in her office (are your patients not disturbed enough, doctor?) and decides to offer him advice about being dead and coming back from the grave and all and wants him to know she understands what it's like to leave the team and come back. Jinks, rightly, points out that quitting and coming back isn't quite the same as being murdered and raised from the dead. Myka's attempt at empathy may have, just possibly, missed. Thankfully the desperate attempt at talking out Steve's feelings is derailed by them noticing an advert to a Jaz bar that they know one of the miraculously cured folk visited, so they decide to check it out (ok…that leap of logic, right there? Is a biit of a stretch but I'll run with it) There's a whole lot of junk at the bar which makes it hard to find what they're looking for – but they notice a Jaz musician, Ethan (it's Sam from Being Human) who is there every night and is extremely good. The bar tender describes him as "their prodigy". Except he's had a nasty bug for three months that's making him sick – and it's more than a bug, he is clearly in agony. Jinks and Myka put 2 and 2 together, his pain with other people being cured of their pain, all happening over 3 months. They talk to him but he says nothing has changed, no new objects, no gifts, no enemies. Everything has been the same and all he knows is he's dying. But like any great Jazz musician, he says he'll use the pain and just try to play through it. Oh and, coincidence, not only did Ethan start getting sick 3 months ago, but that's also when he actually became a decent musician. An old Jazz man gave Ethan some advice – a great musician needs life experience to express in his music – pain, fear, loss. And if a great musician needs these experiences to become great then a short cut to become great – would be to inflict that pain on yourself. They try to stop him, but he grabs Jinks – and starts to absorb his pain, but Jinks's pain is too overwhelming for him and Jinks protests that it's hurting Claudia – and at the school Claudia is weak and gasping – until Myka splits them apart and goos the cigarette case Ethan has. Scott Joplin's cigarette case. Ethan thinks 27 was a good age to die as a musician as his music would have lived on – and he was helping people. But Jinks, in something of a turnaround, insisted that people have the right tom work through their pain in their own way. And, of course, Jinks's side-effect with the metronome is revealed Back at home base Artie is being visited by the annoying priest who is looking for the metronome thief, again. This time the priest has an artefact (why does he have this and why is it not in the Warehouse where it belongs?), the spurs of a famous bounty hunter that should help them find the astrolabe. Irritatingly, the priest has done a lot of research that prevents Artie from wriggling out of using it. And it turns out to be a giant con. It isn't an artefact and Artie playing with it has confirmed Annoying Priest's suspicions that Artie used the Astrolabe. He tries to call Artie out but Artie will have none of it – he did what he had to do. Annoying priests confronts him but Artie says that the whole world had lost hope and it had to be done. The priest storms out, declaring that he and his order will do whatever they have to to defeat Artie. All together again. Jinks is taking some time off to process his own issues with coming back from the dead and investigating the metronome's side effect. And the Marbles? They were used by the priest and sent as part of their mission to destroy Artie's life work. I actually liked how mental illness and recovery was presented here. There was no shaming or suggestion that there was anything wrong with being mentally ill and, if anything, it emphasised just how painful it can be. There was also the complete rejection of the idea of a "mystical cure" and that you can't just wake up the next day and have all the problems removed, that it's not that simple. I do not like the priest. He needs to explain how the evil Artie has unleashed is in any way worse than OPENING PANDORA'S BOX, I mean, quite literally something that has gone through mythology as the worst thing ever. If he can't explain it, he needs to sit down and shut up. And to compound the terribad side effects that comes from using the Astrolabe, they're going to unleash random Artefacts into the world to add their own side effects? Yeah, that makes sense – set Mrs. Franklin on them. Labels: 3.5 Fangs, magic, sci-fi, speculative fiction, Syfy Alphas Sneak Peak The Almighty Johnsons, Season Two, Episode Four: D... Review: Absolution by Louis Corsair Blood Ties, Season 2, Episode 7: Unwrapped Alphas: The Problem with Doctor Rosen Review: Kitty Steals the Show by Carrie Vaughn, Bo... Alphas Season Two, Episode Four: When Push Comes t... Q&A With Alphas Laura Mennell Review of Three Days to Dead by Kelly Meding (Dreg... Warehouse 13: Season 4, Episode 4: There's Always ... Grimm, Season 2, episode 1: Bad Teeth Teen Wolf: Season 2, Episode 12: Master Plan Review: The Sword and the Prophet by Missy Larae Sinbad: Season 1, Episode 6: The Siren Falling Skies: Season 2, Episode 9: The Price of G... Fangs for the Fantasy Episode 80 Review: Biting Cold by Chloe Neill, Book 6 of the ... True Blood Season Five Episode Ten: Gone, Gone, Gone Fangs for the Fantasy Book of the Week Face off: Miss, Good Riddence and PLEASE GO! Dark Angel, Season 1, Episode 7: Cold Comfort Hex: Season 2, Episode 7: Noir

With three singles released – the grimy "Thief's Theme," "Bridging the Gap" and "Just a Moment" – only "Bridging the Gap" managed to achieve any sort of success, charting on the Billboard Hot 100. Learn how and when to remove this template message, Recording Industry Association of America, "Rich The Kid Plans to Drop the Greatest Album of 2018", "Rich The Kid Confirms Chris Brown and More on Upcoming Album", "Rich The Kid Sets Official Release Date for Debut Album", "Rich The Kid's Debut Album Title Is 'The World Is Yours, "Rich The Kid Shares 'The World Is Yours' Album Artwork", "Rich the Kid set March release for debut album, 'The World Is Yours, "Rich the Kid Taps Chris Brown, Kendrick Lamar, & Lil Wayne for Debut Album", "Rich the Kid Enlists Kendrick Lamar for 'New Freezer': Listen", "Watch Kendrick Lamar and Rich the Kid's "New Freezer" Video", "Rich the Kid Premieres "Plug Walk" and Reveals Features on Debut Album", "Rich The Kid Befriends an Alien in "Plug Walk" Video", "Rich the Kid Drops Full Version of Lil Uzi Vert Diss "Dead Friends, http://www.complex.com/music/2018/04/rich-the-kid-dead-friends-video, "Stream Rich The Kid and Trippie Redd's New Song "Early Morning Trappin, "Rich The Kid Takes Aim At Lil Uzi Vert In New Diss Track", "Review: Famous Features & Rich The Kid's Swag Make "The World Is Yours" A Fun Listen", "Rich The Kid "The World Is Yours" Review", https://pitchfork.com/reviews/albums/rich-the-kid-the-world-is-yours/, "The Weeknd Scores Third Consecutive No. 3. If Rich can continue to craft hot singles and wean himself away from leaning on big-name talent, he may actually find rap's globe nestled in his pocket. 1 on the Top R&B/Hip-Hop Albums chart dated Nov. 10, 2012, and spent 46 weeks in the top 10 on the strength of such singles as "Swimming Pools (Drank)," "Poetic Justice" and "Bitch Don't Kill My Vibe," all of which reached the top 10 of Hot R&B/Hip-Hop Songs. With Trackmasters at the helm of the project, a Lauryn Hill-featured single, "If I Ruled the World (Imagine That)" and "Street Dreams," It Was Written moved 268,000 units in its first week, debuting number one on the charts and certified double-platinum in just three months. A daily briefing on what matters in the music industry, Ice Cube on Role in Developing Trump Campaign's 'Platinum Plan' for Black America | Billboard News, Billie Eilish Posts Racy Photo to Hit Back at Body-Shamers | Billboard News, 30 Years of Billboard Latin Music Week: Watch Ozuna, Bad Bunny & More Before They Were Superstars, 5 Uplifting Moments in Latin Music This Week (October 17), 21 Savage and Metro Boomin's 'Savage Mode II' Bows Atop Billboard 200 | Billboard News. Preceded by the DJ Premier-helmed single, "Nas Is Like," then followed by the Puff Daddy-featured, "Hate Me Now," there's no surprise I Am… was received the way it was – it was a mess of an album; the Queensbridge legend wasn't sure where he was heading and this resulted in a few classic Nas tracks sprinkled among duds. 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[12], The album's third single "Dead Friends" was released on March 26, 2018, following the continuous roll-out. 7. 3 with 52-57,000 in total activity. 6. It shipped over 400,000 units in its first week in the USA and over 3,37million units in South Korea. The move secures Lamar's fourth Rhythmic Songs leader, while The Weeknd claims his ninth to match Beyonce, Chris Brown, JAY-Z and Bruno Mars for the fifth-most in the chart's history. We provide branding, content marketing, social media, SEO and music promotion services. All rights reserved.Billboard is part of MRC Media and Info, a division of MRC. 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During this session, you will discover the benefits of being positive (and the costs of being negative). You will learn how you can use positivity to make yourself AND those around you better. The goal is to take much of the research on positivity and make it simple, fun and actionable so anybody can benefit. These strategies have worked for companies, sports teams, schools and organizations of all kinds and they can work for you too! Biography: Julie's career in Sales and Marketing enabled her to develop an expertise around leading teams and developing people. Heart-centered leadership and enthusiasm are her trademarks. She brings a high level of energy and passion to every group she engages. Julie believes strongly in the power of positive leadership and loves to share the "Rules of The Road" woven together with personal anecdotes and relevant calls to action for the specific audience. She has spoken to groups as small as 15 and as large as 600+. Julie inspires and energizes groups of all kinds, even the tough crowds! Julie is passionate about happiness, health, and wellness and loves to share ideas and solutions with others, including her husband and two children. She shares her stories and experiences with others to make a difference in as many lives as possible. Ken Medema, a registered music therapist and life-time member of the American Music Therapy Association will invite participants to share stories about their experiences and moments when therapy and healing truly came together and turning those stories into songs. We can learn about best practices by listening to each other, noting mistakes and successes and repeating to each other the lessons we learn while doing the work we love. Biography: Across the years, Ken has shared his passion for learning and discovery through storytelling and music with an ever-growing circle of followers around the world. Ken has been performing for over 40 years in many different venues: churches, conventions, colleges, corporations and more, for groups ranging from 50 to 50,000 people. Through the Interlude Project, Ken and partners are now conducting retreats, workshops, and special programs for small churches. Though blind from birth, Ken sees and hears with heart and mind, singing stories from his audience and accenting themes and perspectives from speakers and workshop leaders. Ken custom designs every musical moment through improvisation and new composition to bring each event to life. Ken and his wife, Jane, make their home in Alameda, California. Together they work on program designs and song lyrics, making time to explore new developments in religion, psychology and culture. They share a passion for movies (yes, Ken is an avid movie consumer), books, new music, politics, and love keeping up with two feisty grandchildren.

44from26 Tag: Peter Meddick Reverence for the Hermit Thrush, Disdain for the Kingbird and Pewee, and Banter with the Ovenbird Nineteenth-century naturalist and essayist, John Burroughs gives a detailed account of the Hermit Thrush's song. For him, it is the finest sound in nature; the peace and deep solemn joy only the finest souls may know. Strolling the undomesticated wilderness, greeted by the Wood Pewee and Eastern Kingbird. Documenting the curiosity and confidence of the Ovenbird. In the Hemlocks, a Guided Tour of a Primitive, Undisturbed Forest and the Avifauna Living There The start of Wake-Robin, chapter 2, In the Hemlocks. Author and gentleman rambler, John Burroughs, begins a guided tour in the hemlocks. Years before, townsfolk, tanners, and lumbermen attempted in vain to tame and exploit the grove. But nature proved uncooperative and the effort abandoned. By his account, the spirit and energy of the wilderness […] The Scarlet Tanager and the Dog Days of August, and, Finally, the Silent End of the Season Reaching the end of Chapter 1 in John Burroughs classic nature study, Wake Robin, the gentleman rambler describes the birds of July, the Scarlet Tanager, compares the Peewee's hunting prowess and efficiency on the wing to the Chipping Sparrow, or Socialis fumbling pursuit of a month. The marvel and spectacle when the pigeon hawk, now known as a Merlin, unflinchingly chases a goldfinch. Concluding with the late season silence and August's departures. John Burroughs Shares His Admiration for the Aristocratic Wood Thrush, Praise for the Soulful Veery, Some Criticism for the Catbird, and an Encounter with a Black Snake Naturalist and gentleman rambler John Burroughs was born 183 years ago on April 3, 1837. We're grateful to carry on his work. Continuing where we left off in episode 3, we pick up in the first chapter of his book Wake-Robin. John Burroughs focuses on the thrushes. He details the grace and ease of the Wood […] Introduction: Presenting Live Birds and not just Stuffed and Labeled Specimens Click the links below for details about the bird vocalizations used in this episode from the Macaulay Library at the Cornell Lab of Ornithology: Winter Wren Eastern Bluebird American Robin Intro music: Kai Engel Walking Barefoot on Grass Outro music: The United States Army Old Guard Fife and Drum Corps: United States National Anthem (The Star […] Second Edition Trailer It's the best time of the year. The parade begins. As Winter retreats Spring leans in. The birds are returning. And so is our show. Episode 18: Epilogue – 149 Years Later Episode 17: In praise of John Audubon, with a couple backhanded compliments and a correction John Burroughs praises Audubon's life's work, yet questions some of Audubon's assertions about comparisons between the Louisiana Waterthrush's song and the European Nightingale's, the Bobolink's and the Blue Grosbeak's. Burroughs appreciates the volume of Audubon's catalog, and offers two of his own to add to the collection. Click the links below for details about the […] Episode 15: The Bluebird Click the links below for details about the bird vocalizations used in this episode from the Macaulay Library at the Cornell Lab of Ornithology: Eastern Bluebird European Robin Western Bluebird House Wren Intro music: Kai Engel Walking Barefoot on Grass Outro music: The United States Army Old Guard Fife and Drum Corps: United States National Anthem […] Episode 14: Strolling through Rock Creek and Piney Branch, Wilderness beyond the Capitol with the Blue-grey Gnatcatcher, Yellow-breasted Chat and Cardinal Click the links below for details about the bird vocalizations used in this episode from the Macaulay Library at the Cornell Lab of Ornithology: Wood Thrush Veery Kentucky Warbler Blue-grey Gnatcatcher Northern Water Thrush Yellow-breasted Chat Cardinal Grosbeak Red-headed Woodpecker Intro music: Kai Engel Walking Barefoot on Grass Outro music: The United States Army Old Guard […] Episode 10: Hiking to the Upper Ironworks and Indian Pass, Taking the Pulse of Mother Nature Click the links below for details about the bird vocalizations used in this episode from the Macaulay Library at the Cornell Lab of Ornithology: Black-capped Chickadee Cedar Waxwing Ruby-throated Hummingbird Intro music: Kai Engel Walking Barefoot on Grass Outro music: The United States Army Old Guard Fife and Drum Corps: United States National Anthem (The Star […] Episode 9: August in the Adirondacks, Deer Hunting at Night Credits & Links:​ Click the links below for details about the bird vocalizations used in this episode from the Macaulay Library at the Cornell Lab of Ornithology: Purple Finch Pine Siskin Vesper Sparrow White-throated Sparrow American Robin White-breasted Nuthatch Intro music: Kai Engel Walking Barefoot on Grass Outro music: The United States Army Old Guard Fife […] Episode 8: Partridge Drumming, the Cowbirds' deception, and so many Warblers in the Barkpeelings Completing a late afternoon stroll in the Barkpeelings. Lounging on a moss sofa, listening to the chorus. Observations on the Cowbirds' egg-depositing-deception and dereliction of parenting duty. Credits & Links: Click the links below for details about the bird vocalizations used in this episode from the Macaulay Library at the Cornell Lab of Ornithology: Ruby-throated […] Episode 7: Reverence for the Hermit Thrush, but None for the Pewee The heavenly Hermit Thrush. Commentary about the cowardly Eastern Kingbird. The Wood Pewee's plainness. Praise for the Ovenbird Click here to listen to Episode 1. Click here to listen to Episode 2. Click here to listen to Episode 3. Click here to listen to Episode 4. Click here to listen to Episode 5. Click here […] Episode 6: Into the Hemlocks "And what is a bird without its song? It seems to me I do not know a bird till I've heard its voice." John Burroughs's second essay, Into the Hemlocks featuring the red-eyed vireo, the winter wren and veery. Thoughts on taking specimens for study, Blackburnian warbler and the blue yellow-backed warbler, now known as the Northern Parula. […] Episode 5: Scarlet Tanager and the End of the Season The scarlet tanager and the birds of summer. Observations of the hawk and the end of the season. Click here to listen to Episode 1. Click here to listen to Episode 2. Click here to listen to Episode 3. Credits & Links: Click the links below for details about the bird vocalizations used in […] Episode 4: Veery, Grey Catbird and a Snake Encounter The princely disposition of the wood thrush, the cool notes of the veery, the pretense of the gray catbird and a black snake picks the wrong spot to relax. Click here to listen to Episode 1. Click here to listen to Episode 2. Click here to listen to Episode 3. Credits & Links: Click the […] Episode 3: Welcome Back Cuckoos, Warblers & Thrushes Click here to listen to Episode 1. Click here to listen to Episode 2. Credits & Links: Click the links below for details about the bird vocalizations used in this episode from the Macaulay Library at the Cornell Lab of Ornithology: Yellow billed Cuckoo Bobolink Black-billed Cuckoo Wood Thrush 1 Wood Thrush 2 Field Sparrow […] Episode 2: Welcome Back Flycatchers, Woodpeckers & Thrushes Burroughs describes robin's ramshackle nest, the under appreciated socialis, or song sparrow, and his affection for the northern flicker. Episode 1: Introduction We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking "Accept", you consent to the use of ALL the cookies. However you may visit Cookie Settings to provide a controlled consent.This website uses cookies to improve your experience while you navigate through the website.Cookie settingsACCEPT

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01379 644061 & 07951 238527 [email protected] Insight – May 2016 by admin | May 30, 2016 | Blog, Business, Business Notes, Economy, Finance, In Business, Insight, Monthly Musings, Small Business Blog, Uncategorized | 0 comments "According to……." According to @enf collecting data about housing costs is a worthwhile exercise. Kudos. 1979 was the year that San Francisco's Mayor imposed a rent control, 70 years later, data inspection shows an average 6.6% increase (mostly year on year since 1956) – rent control or not. Eric Fischer cites 'It would take a 53% increase in the housing supply (200,000 new units), or a 44% drop in CPI-adjusted salaries, or a 51% drop in employment, to cut prices by two thirds.' Does rent control work? According the latest figures, the average asking price of a typical first-time buyer home leapt by 6.2% in a month. ‏@ONS 9.7% rise in UK #houseprices paid by #firstimebuyers in the year to March. According to Rightmove, the average for properties coming on to the market in England and Wales, with two bedrooms or fewer, was £11,298 higher in May than in April, at £194,224. According to Countrywide the average price paid by investors fell by 8.3% in April, from £194,000 to £178,000. The average price of a first-time buyer property had risen by 11.4% since May 2015 across the UK and Hotspots – all towns within easy commuting distance of central London – asking prices were up by more than 18% over the year. Across all property types, average asking prices had increased by 0.4% over the month to an average of £308,151, with prices down on the previous month in London, the north-west and the north-east. According to the official oldest person in the world the reason for her longevity is also often the most cited benefit of being an independent business – the lifestyle choice – not to be 'dominated by anyone'. According to the Government, Lloyds will be fully returned to the private sector this year with billions of pounds' worth of its shares made available at a discount to ordinary investors, says the government. The Treasury announced it benefited from a payout of £130m from shares this April, which takes the total return from distributions to £318m and an overall amount of £16.8Bn recovered against the taxpayers' £20.5Bn bail-out for 43% stake. According to an independent European ethics rating agency, RBS Group has been assigned its second lowest rating, E. The agency's opinion is their 'relative level of reputational and operational risk', grading firms from 'EEE' to 'F' and used by investors to evaluate corporate behaviour and to determine a company's future financial performance, respectively also counted towards its poor rating. Barclays was assigned an E rating, largely because of a similar set of scandals to RBS. According to scientists, @GoogleFacts, your heartbeat changes with the music you listen to. Office playlist in May is mainly Sing Street's playlist, from mid- 80's and some early 70's Bowie. Vintage month. Image and Article credit: Copyright SUF © 2016 Share/Save/Print Tweets by @StepUpFinance Progress The New Normal Step Up The Tactics Alongside Strategy Weighing Up Appetite Loss For Lending Be Prepared: Profit The Potential

MONTREAL, QUEBEC--(Marketwire - Oct. 19, 2010) - SearchGold Resources Inc. ("SearchGold")(TSX VENTURE:RSG)(FRANKFURT:S1O) is pleased to provide an update on Stellar Diamonds plc ("Stellar") and its African diamond operations. Total production at Mandala has now exceeded 102,000 carats. At the Mandala diamond project, production for the third quarter ending September 2010 yielded 18,291 carats at an average grade of 23.39 carats per hundred tonnes ("cpht") of mined gravel. The quarterly production was significantly higher than the second quarter (13,913 carats) primarily as a result of the introduction of new earth moving machinery in late July and irrespective of the seasonal rains forcing production to lower grade high terrace deposits. Diamond sales from Mandala in the third quarter comprised 18,549 carats at an average price of $US 32.82 per carat, for revenue of $US 608,819, though 8,194 carats were in stock at the end of the quarter. Sales for 2010 to date total 51,471 carats for revenue of $US 1,742,635. The average price per carat for 2010, compared to 2009 is $US 33.86 per carat versus $US 28.16 per carat, 20% higher, reflecting the general improvement in global diamond prices in the period. Total production at Mandala since Stellar commenced mining in April 2009 has now exceeded a major milestone of 100,000 carats, at an average grade of 34cpht. Optimisation of plant to enhance diamond recoveries on going. Two parcels of diamonds were sold from Bomboko in the third quarter, comprising 1,664 carats for an average sales price of $US 114.82, generating revenue of $US 191,057. The sale of the most recent parcel of 815 carats achieved a higher average sales price of $US 132.07 per carat, reflecting the general improvement in global diamond prices. As anticipated, trial mining at Bomboko was temporarily suspended in early August due to the seasonal rains. Production for the quarter was therefore reduced from the second quarter (576 carats versus 1,510 carats). Total production from trial mining at Bomboko has now reached 5,116 carats at an average grade of 4 carats per hundred tonne of gravel. The Bomboko diamond operation currently has an inferred resource at 41,000 carats. Stellar considers this may be significantly expanded and has therefore been undertaking a programme of geological mapping designed to identify additional resource areas. Trial mining by way of a series of regular mine cuts across these potential new resource areas will commence in late October. In the meantime the treatment plant is being modified and upgraded in order to enhance diamond recoveries. Furthermore, an X-Ray Flow sort diamond recovery module is being installed and this is expected to further increase diamond recovery and security. Stellar Diamonds plc is a London (AIM: STEL) listed diamond mining and exploration company that has a portfolio of projects in West Africa. Two projects in Guinea, Mandala and Bomboko, are in mining and trial mining respectively, which provide cash flow to the Company. Stellar also owns full rights over four high-grade kimberlites that are to be the focus of future development. In Sierra Leone at the Tongo project a bulk sampling programme is currently underway on one key kimberlite to assess the diamond grade and value, whereas at the Kono project underground trial mining has produced 4,200 carats as part of an economic evaluation exercise. In Guinea Stellar's Droujba kimberlite pipe and Bouro kimberlite dykes are located in proximity to Stellar's Mandala project and demonstrate high diamond grades. Droujba will be drilled in the near future. SearchGold is a Canadian-based mining exploration company whose primary mission is to target, explore and develop gold deposits in Africa. The Company is currently involved in Burkina Faso, Gabon and Guinea; it has recently been evaluating mining projects in new African jurisdictions, which are geographically accretive with its current position. Through innovative corporate transactions, SearchGold has been able to retain an interest in all the important assets it has acquired and developed during its existence as a public company and intends on leveraging its long established presence in Africa to pursue its development. SearchGold holds two million shares of Stellar Diamonds plc. Please see: www.stellar-diamonds.com for additional information.

United Airlines, Johnson & Johnson And 2 Other Stocks Insiders Are Selling by Lisa Levin, Benzinga Editor October 24, 2022 4:10 PM | 2 min read US crude oil futures traded lower on Monday. Investors, meanwhile, focused on some notable insider trades. When insiders sell shares, it indicates their concern in the company's prospects or that they view the stock as being overpriced. Either way, this signals an opportunity to go short on the stock. Insider sales should not be taken as the only indicator for making an investment or trading decision. At best, it can lend conviction to a selling decision. Below is a look at a few recent notable insider sales. For more, check out Benzinga's insider transactions platform. The Trade: Johnson & Johnson JNJ Exec VP, Chief HR Officer Peter Fasolo sold a total of 29,946 shares at an average price of $164.50. The insider received around $4.93 million from selling those shares. What's Happening: Johnson & Johnson recently reported Q3 FY22 adjusted earnings of $2.55 per share, down 1.9% Y/Y and slightly ahead of the consensus of $2.52. What Johnson & Johnson Does: Johnson & Johnson is the world's largest and most diverse healthcare firm. Three divisions make up the firm: pharmaceutical, medical devices and diagnostics, and consumer. The Trade: The Bank of New York Mellon Corporation BK SEVP & General Counsel Kevin McCarthy sold a total of 20,000 shares at an average price of $39.37. The insider received around $787.31 thousand as a result of the transaction. What's Happening: BNY Mellon launched new payment platform Vaia for payee-choice disbursements. What Bank of New York Mellon Does: BNY Mellon is a global investment company involved in managing and servicing financial assets throughout the investment lifecycle. The Trade: United Airlines Holdings, Inc. UAL EVP & Chief Growth Officer Gregory L Hart sold a total of 30,000 shares at an average price of $39.54. The insider received around $1.19 million thousand from selling those shares. What's Happening: United Airlines recently reported better-than-expected Q3 results. What United Airlines Does: United Airlines is a major U.S. network carrier. United's hubs include San Francisco, Chicago, Houston, Denver, Los Angeles, New York/Newark, and Washington, D.C. The Trade: Foot Locker, Inc. FL 10% owner Daniel Kretinsky sold a total of 254,532 shares at an average price of $32.27. The insider received around $8.21 million from selling those shares. What's Happening: Telsey Advisory Group recently maintained Foot Locker with a Market Perform and lowered the price target from $42 to $37. What Foot Locker Does: Foot Locker Inc operates thousands of retail stores throughout the United States, Canada, Europe, Australia, and New Zealand. Posted In: Insider SellingNewsInsider TradesMarketsTrading Ideas

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Editor's note: Anthony Griffith, a stand-up comic from Chicago's South Side, has lived on the borderline of comedy and tragedy. At the very time his career as a stand-up comedian was taking off and he had finally achieved his dream of appearing on The Tonight Show, he was also enduring an unimaginable personal nightmare: his two-year-old daughter, Brittany Nicole, was dying from cancer. In this excerpt from the new book Behind the Laughter, Griffith shares how God remained present through the tragic times and ultimately allowed he and his wife to reach out and comfort others going through similar difficulties. About ten years after Brittany had passed, before Christmas, I woke up one morning and heard birds chirping outside my window. I loved the sound. It brought me a joy that I hadn't felt in so long. It was as simple as that: I could hear the birds chirping again, and when I went outside, I could smell the roses. Later, when I heard babies laughing, I smiled instead of becoming sad. For those ten years following our daughter's death, we didn't put up a Christmas tree and pretty much ignored the holiday. Now, for the first time since then, I was hearing Christmas songs on the radio and enjoying them. I wanted to put up decorations. I was emerging from my cocoon. Grieving doesn't have a time limit. It doesn't have an expiration date. But I felt like the fog had been lifted, and I could appreciate things again. I don't know why it happened right then. It was just time. Mourning and sorrow had been weighing so heavily on me, but I was moving at last toward that light at the end of the tunnel. When you come out of a cocoon, you're stronger and have a different purpose than when you went in. A butterfly has the ability to adapt to a new environment. After Brittany's death and everything that followed, including my illness, I became stronger with my faith and developed a deeper understanding that tomorrow is not promised, so you must love and enjoy everyone you're with today. I had a greater appreciation of people. I had a greater appreciation of craft. And as I looked back on my life, I realized that I've always been watched over by God. From living in the projects up to now, I can see that my path has been guided. It wasn't just me mapping it all out on my own. Knowing that doesn't stop the hurt. If you lose someone close to you, you can't simply say, "Well, it was for a reason." You may or may not believe that, and that's okay. What's confusing on this earth will become clear once we get to the other side. That's when we'll say, "Oh!" Until then we struggle with these questions while trying to keep our faith. A tragedy pulls some people further away from God because they can't accept a God who would approve of whatever terrible thing had happened. I questioned God for a long time about Brittany but later realized that the ordeal had brought me closer to Him. When I was younger, I wasn't thinking about death, and no one around me had died. No one teaches you how to act when a loved one, especially a child, passes on. You're almost writing your own book. But as I got older, I became a stronger believer because the Bible became real to me. You read about people going through problems just as you are. When King David lost his son, he said, "Can I bring him back again? I shall go to him, but he shall not return to me" (2 Sam. 12:23). That story now had teeth to me, and I learned from it. As hard as it is now to be without my daughter, I look forward to seeing her and my parents and aunts and uncles again on the other side. I'm here now but not forever. That helps. As the Bible says, there's nothing new under the sun (Eccl. 1:9). Excerpted with permission from Behind the Laughter: A Comedian's Tale of Tragedy and Hope by Anthony Griffith and Brigitte Travis-Griffin, copyright Anthony Griffith and Brigitte Travis-Griffin. Are you grieving the loss of someone you love? Is it hard for you to imagine God meeting you there, that his "shoulders are big enough"? We want to hear from you.

A Deeper Look at China's "Going Out" Policy Hongying Wang In recent years, the world has seen rapid growth in China's financial reach beyond its borders. Following the announcement of a "going out" strategy at the turn of the century, many Chinese enterprises have ventured to invest and operate abroad. After three decades as primarily a recipient of foreign direct investment (FDI), China has now emerged as a major FDI-originating country as well. Much of China's foreign aid is closely entangled with its outgoing FDI, and it has also been rising. Since 2013, the Chinese government has been pushing for a new One Belt, One Road (OBOR) initiative, aiming to connect China with countries along the ancient Silk Road and a new Maritime Silk Road via infrastructure investment. In addition, since 2009, China has actively promoted the internationalization of its currency, the renminbi (RMB). There has been a great deal of anxiety about the motivations behind China's going out policy and its possible international consequences. Many view it as an expression of China's international ambition and a strategy that threatens the existing international order; however, that is not the whole story. An equally important but often less understood issue is the role of China's domestic politics and political economy in shaping its new activism in foreign financial policy. Moreover, it is unclear how successful the going out policy is. The complexity of China's going out policy was the topic for a recent round table discussion hosted by the Centre for International Governance Innovation and the Foreign Policy Institute at the School of Advanced International Studies of Johns Hopkins University in Washington, DC.[1] Participants discussed a number of issues around two broad themes: the impact of domestic political economy on China's foreign economic policy and the challenges for China's external financial strategy — in particular, its OBOR initiative. Domestic Political Economy and China's Going Out Policy China's going out policy is no doubt part of its overall more activist foreign policy. But China's domestic political economy has also been a major driving force. In particular, the growing problems with the old growth model, the changing relationship between the government and state-owned enterprises and banks, and the public dissatisfaction with the government's management of its foreign reserves have all contributed to the increase in outgoing FDI and aid programs. Meanwhile, many unconventional characteristics of China's going out programs, such as the ties between China's foreign aid and exports, resource-backed financing of many investment projects and the low level of attention paid to corporate social responsibility by Chinese companies operating abroad, are deeply rooted in the domestic political and economic institutions. Domestic politics has also shaped the way China promotes the international use of its currency. The control of credit has long been a crucial source of political power of the Chinese party-state. Maintaining that control is fundamental to preserving the Chinese Communist Party's control over other actors in the country, including local governments and large enterprises. To minimize the threat to its power in the process of promoting RMB internationalization, Beijing has resorted to offshore RMB centres, in particular in Hong Kong. More recently, it has also looked to the OBOR initiative as a potential channel to expand the international use of the RMB. The close relationship between domestic development in China and its foreign economic undertaking raises questions about how the economic slowdown in China may be affecting its outward investment and aid, as well as RMB internationalization. A major driving force of China's outgoing FDI has been its massive foreign reserves accumulated since the early 2000s. Invested mostly in US government debt, China's reserves were generating low returns, incurring discontent from certain groups in China. Following the global financial crisis in 2008, this discontent turned into widespread anxiety that China's holdings of US dollar assets would lose their value as a result of American economic problems and macroeconomic policies. A consensus emerged that China would be better off investing in other types of assets overseas. The amount of outgoing FDI and aid rose dramatically. In the last couple of years, the economic slowdown in China has led to pessimistic forecasts of China's economic performance for the foreseeable future. Multinational corporations are reallocating their resources. Financial market operators are betting on further RMB depreciation. Wealthy individuals in China are transferring their wealth out of the country, and China's central bank is intervening in the foreign exchange market in order to maintain stability of the exchange rate. As a result, in 2015, China's foreign reserves diminished dramatically from nearly US$4 trillion to US$3.33 trillion. January 2016 saw another drop of nearly US$100 billion. If this trend continues, it will undermine China's desire and capability to fund its outgoing FDI and aid. The economic slowdown and the financial market volatility in China are also decreasing the pace of RMB internationalization. The international use of the Chinese currency has expanded rapidly in the last few years. By 2015, the RMB had become the second-most-used currency in international trade and the fourth in global payment. Late last year, the International Monetary Fund agreed to add the Chinese currency to the basket of currencies that determine the value of the Special Drawing Right. But the RMB is not a currency widely held in the reserves of other countries. For the RMB to become an international reserve currency, China has to further liberalize its financial market. In fact, for many reformers in China, the main purpose of internationalizing the RMB is precisely to deepen financial liberalization in China. However, such reforms are losing momentum in the current economic climate. The focus of Chinese leaders is now on keeping the economy growing at above 6.5 percent and on maintaining financial stability in the country. Voices arguing against further capital account opening have become louder and stronger, and even the reformers in the Chinese central bank are prioritizing prudential regulation over further market reforms and RMB internationalization. In a recent interview, the governor of the People's Bank of China, Zhou Xiaochuan (2016), stated, "We are pragmatic, patient and determined with our goals, but do not target to move in a straight line toward reform goals." Challenges for China's Going Out Policy China's fast-growing outgoing FDI and aid, in particular, its grand strategy of OBOR, have generated great enthusiasm in China and serious concern in some other parts of the world. The official rhetoric in China describes these as win-win arrangements — connecting the world, helping other developing countries grow their economy and improving China's access to resources and markets abroad. Cynical outside observers view these initiatives and programs as part of China's plan to build its sphere of influence in Asia and beyond, threatening the dominance of the United States in world politics. Both of these perspectives may be underestimating the challenges for China's going out policy. An important rationale for infrastructure investments, which account for large shares of China's FDI and aid programs and constitute a central component of the OBOR initiative, is the dire need for infrastructure in many countries in Asia and elsewhere. It is not clear, however, how effectively Chinese investment is able to fill that gap. First, the estimated gap is much larger than the funding provided by China either unilaterally or through China-led multilateral banks. The global infrastructure gap approaches US$1 trillion a year, dwarfing the US$40 billion of the Silk Road Fund and the US$100 billion of the Asian Infrastructure Investment Bank, both of which are designed to serve the OBOR initiative. Chinese officials have talked about leveraging government funding for private investments, but that will be difficult because of the shortage of bankable infrastructure projects that will likely generate sufficient returns to make the investment profitable and sustainable. While some projects (such as telecommunication networks and ports in strategic locations) may have no problem making enough revenue to pay back the investments, the same cannot be expected of other projects (such as roads going through poor rural areas, or water treatment plants). It is hard to imagine successful public-private partnerships for the latter. Second, China's infrastructure investment projects abroad also face potential political and security challenges. When investing in transnational infrastructure such as roads and rail, China will need to engage in prolonged, complex and costly negotiations with many stakeholders to ensure the smooth implementation of its investments. The challenge of political engineering may be far greater than mechanical engineering. In addition, many of the countries along the "belt" and "road" are plagued by conflicts, corruption and political instability. For instance, Pakistan has assigned 100,000 troops to protect Chinese investment projects, while US troops have protected a China-invested copper mine in Afghanistan (Clover and Hornby 2015). Finally, while China's going out strategy, in particular its OBOR initiative of connecting countries through infrastructure, is welcomed by some countries, others have not been as enthusiastic. In pluralistic societies, different interest groups have different priorities. For instance, while infrastructure may bring economic benefits, it may result in environmental damage. Opponents of projects can interrupt them in ways Chinese companies are unaccustomed to. In Indonesia, a high-speed railway largely financed by the China Development Bank was recently put on hold because of opposition and bureaucratic procedures. Furthermore, more than a few of China's neighbours are wary of its political and strategic ambitions in the region. The recent acceleration of Chinese maneouvres in the South China Sea has only heightened the geopolitical tension in that area. Neighbouring countries are trying hard to strike a balance between economic and strategic calculations in dealing with China; their embrace of China's OBOR initiative will therefore remain partial and hesitant. To summarize, China's going out policy is driven and shaped by complex domestic and international factors. It is important to consider both sets of dynamics in trying to understand the trajectory of its course. There is a tendency to underestimate the obstacles for China's OBOR initiative both inside and outside of China, which has led to excessive optimism on the part of its supporters and exaggerated concern on the part of those fearing a more powerful China. Clover, Charles and Luny Hornby. 2015. "China's Great Game: Road to a new empire." Financial Times, October 12. www.ft.com/intl/cms/s/2/6e098274-587a-11e5-a28b-50226830d644.html#axzz4116DrzgG. Zhou, Xiaochuan. 2016. "Transcript: Zhou Xiaochuan Interview." Caixin Online, February 15. http://english.caixin.com/2016-02-15/100909181.html. [1] Participants included Pieter Bottelier, Carla Freeman, Alex He, Randall Henning, Ho-Fung Hong, David M. Lampton, Domenico Lombardi, David Steinberg, Hongying Wang and Shahid Yusuf. China's fast-growing outgoing FDI and aid, in particular, its grand strategy of OBOR, have generated great enthusiasm in China and serious concern in some other parts of the world. China's Role in the Global Economy Schism: China, America and the Fracturing of the Global Trading System Paul Blustein Chinese Industrial Actors in Global Rule Making: A Preliminary Exploration Hanzhi Yu Made in China 2025 as a Challenge in Global Trade Governance: Analysis and Recommendations Anton Malkin

Xometry IPO: Looking To Be The Airbnb Of On-Demand Manufacturing Leave a Comment / AI / By Tom Taulli It was a busy week for IPOs, as 18 companies issued shares. And one of the standout offerings was from Xometry, which operates an online marketplace for on-demand manufacturing. The IPO was priced at $44, which was above the $38-to-$42 price range, and the shares soared nearly 100% on the first day of trading (the current market value is close to $3 billion). T. Rowe Price and Capital World Investors purchased $70 million of the shares in the offering. The CEO and cofounder of Xometry is Randy Altschuler, who is a serial entrepreneur. He launched two other startups that were sold to pubic companies. As for Xometry, he teamed up with Laurence Zuriff (he is the current Chief Strategy Officer). Prior to this, he was the managing partner at Granite Capital International Group. Both Altschuler and Zuriff were intrigued by the custom manufacturing industry. But they did not immediately create a company. Instead, they spent months researching the market by talking to many small manufacturers. "We saw certain themes emerge," said Altschuler. For example, smaller manufacturers were usually dependent on larger customers that were local, which posed considerable risk. They also spent much time responding to requests for custom parts that did not turn into business. The buyers of custom manufacturing parts also had challenges. It was difficult to find the best vendors and to come up with the right pricing. To solve these problems, Altschuler and Zuriff saw the need for building a two-sided marketplace. But it took some time to get to critical mass. While sellers were interested, there was skepticism from the buyers. Then there was the issue of the pricing for the marketplace. Custom jobs do not have SKUs. Rather, each one is unique. This meant Xometry needed to build an automation system. One approach was to use brute-force and go through the possibilities. "The problem is that it would take too long to build such a system," said Altschuler. "It would also be difficult and time-consuming to maintain it." The next approach then? It was to leverage AI (Artificial Intelligence). Xometry created a proprietary engine—backed with patents—to provide instant quoting based on factors like volume, material, location and the manufacturing process. "What really got us excited about Xometry was that they were using incredible technology," said Daniel Docter, who is a Managing Director at Dell Technologies Capital and an investor in the company. "Over time their AI algorithms got better, their modeling became more accurate, and their breadth of capabilities grew." The result is that the company has been able to efficiently process transactions for more than 6 million parts since inception. Currently there are over 43,000 buyers and 5,000 sellers on the platform (the customers include roughly 30% of the Fortune 500). In terms of growth, it has been accelerating. From 2018 to 2020, the compound annual growth rate was 92%, with revenues hitting $141.4 million. However, without the AI, none of this would have been possible. The technology has been strategic to Xometry . "The AI learns and predicts how to make a part, how much it should cost, how long it should take, how much material would be needed, how would it likely yield, and so on," said Doctor. "Xometry literally transforms an old, manual, grossly human limited process, to an automated, much more accurate and predictable, and hugely more efficient AI-driven process. Manufacturers win; customers win; and frankly the world wins as we collectively can do so much more with so much less waste." Copyright © 2023 Tom Taulli | Powered by Astra WordPress Theme

Prevention & Treatment Medical advancements in cancer treatment now provide the possibility of a much faster, safer form of radiation therapy. Thousands of women are diagnosed with early stage (stage 1 or 2) breast cancer each year. For many, concerns about radiation treatment are similar to the fear that comes with a cancer diagnosis. The introduction of IORT presented women with a new option that has helped many of them put their cancer diagnosis behind them and return to their normal lives within just a few days. IORT is performed immediately following lumpectomy with a single, precise dose of radiation delivered within the lumpectomy cavity, directly targeting cancer cells while sparing healthy surrounding tissue. At Florida Hospital, we work together with radiation oncology to perform IORT using the Xoft Electronic Brachytherapy System in a procedure that can be completed in as little as eight minutes. Traditional radiation treatment for breast cancer can take six to eight weeks to complete. The shorter treatment time and convenience of IORT make it an especially important option for women who work or care for their families. It offers fewer side effects and can cost much less than traditional radiation treatment. Since 2008, hundreds of my patients have been treated with IORT, and thus far we have not seen one case of recurrence of cancer. For women who are not good candidates for IORT, traditional radiation therapy remains an important alternative. But all women should be aware of IORT as a proven-effective, targeted solution and find out if it is right for them. A radiation oncologist talks about potential side effects associated with cancer treatment and shares ways to manage them. There is no one-size-fits-all treatment for cancer, and not all cancer should be treated the same way, or by the same kind of doctor.

Our weekly food diary shares right-now ingredients, fun foodie events, Instagrammable restaurant dishes and trendy street eats. Written by Anna Lawson. We clearly can't get enough of avocado – even the recent threat of an avocado shortage hasn't fazed us. It's appearing in different forms on dozens of restaurant menus, but the fact that it's turned up in a cocktail is worthy of special note. This week, we've been at Scandi-influenced bar & restaurant The Harcourt in London's Marylebone for the launch of its new cocktail menu. Among the seasonal cocktails, it was the abacàtchy that caught our eye. The drink is made from avocado, honey and orange purée mixed with grape syrup and cachaça, and just to make it that little bit trendier, it's finished with a frozen avocado popsicle made with honey and lime and dipped in coconut flakes. Our thoughts? What a surprise! We expected a thick, heavy consistency, a bit like a boozy smoothie, but it was light and refreshing. The flavour was wonderfully balanced and the avocado added smoothness. Forget bowl-food, how about ball-food? We've noticed a huge increase in spherical food at restaurants, food events and bars lately. From meatballs to mac 'n' cheese balls, croquettes and arancini, these days if it's a boule, it's cool. Don't believe us? We've been at newly opened Curveball in Balham, London, where most dishes on the menu take a globular form. Inspired by a love for the humble meatball and grown through a collective passion for travel, the founders of Curveball have created a menu of internationally-themed tasting plates, featuring all kinds of meat and veg-balls. Lovers of the traditional meatball might opt for the (already highly instagrammed) Tony Soprano – beef and pork balls in short rib ragu with rigatoni and melted cheese. But our highlights were these crispy fried chicken balls, swimming in hot sauce and topped with punchy blue cheese, skewered lamb balls with preserved lemon relish and harissa yogurt and vegetarian crushed pea, mint and parmesan croquettas with a crispy exterior and hot oozy centre. The verdict? Amaze-balls (naturally). If you haven't already noticed, watermelon is SO HOT RIGHT NOW (if not, then where have you been?)! Traditionalists eat it by the slice, but these days there are endless incarnations — watermelon lollies, watermelon slushies, watermelon vodka jelly shots and you can even buy toasted watermelon seeds for snacking or sprinkling on salads. It was only a matter of time before someone had the genius idea to combine watermelon with beer. In fact, there are a number of watermelon wheat beers out there, mostly from America, but we found this one from Tailgate beer at Craft Tooting, London. A fun summer drink, it has that refreshing watermelon sweetness and isn't too heavy. You'll only find watermelon in wheat beer because it lends itself better to the soft, fruity flavour that might get lost in a pale ale or bitter. You'll find watermelon wheat beers in craft beer shops across the country. And for more watermelon recipe inspiration, make sure you pick up a copy of our July issue, on sale 6 July. Vietnamese street food has really taken off in the UK recently but our editorial assistant Anna has been in Vietnam for a taste of the real deal. The streets of Da Lat are literally lined with food, whether it's mountains of fruit and veg or small carts selling the Vietnamese street food we recognise here, including banh mi, noodle soup and fresh spring rolls. But here's one you may not have heard of – banh trang nuong, often referred to by Westerners as 'Vietnamese pizza'. Popular among the younger generation in southern Vietnam, particularly Da Lat, it's cheap and incredibly quick to make (and eat!). Although each vendor has a signature way of topping theirs, the base is made up of the same essential ingredients. The seller puts a disc of rice paper on a small grill over hot coals, cracks over a chicken's or quail's egg and then sprinkles over spring onions, chilli and dried shrimp before whisking it up on the rice paper, like a thin layer of omelette. She'll add a drizzle of chilli sauce (and in some cases, a range of intriguing extras, from whole shrimps to Dairylea cheese!) before rolling it up like a tortilla for eating on the go. It's super simple, full of flavour and the best bit is…it was only 35p! Spotted at the BBC Good Food show in Birmingham this weekend is a brand new product that ticks all the boxes on the trend-o-meter. In fact, it combines four of the hottest food trends in one little jar: fermented food, miso, turmeric and kimchi. More to the point though, it's absolutely delicious. As fermented food, particularly kimchi, becomes increasingly popular, it was only a matter of time before we saw more creative variations on the Korean staple cropping up. British producer Barrel & Bone specialises in handmade, live fermented foods and their latest creation is a stroke of pure genius. Where standard kimchi provides a spicy umami punch, this miso, apple and turmeric version is far more complex in flavour – earthy turmeric, salty miso, and sweet apple results in an incredibly well-rounded flavour sensation. We can't get enough of the stuff! What happens when Middle Eastern meze meets classic French cooking? Well in this case, something truly delicious. Yes, this is fusion food at it's very best and one of our standout dishes at this year's Taste of London. The festival in London's Regent's Park takes place 14-18 June and is a celebration of London's best chefs, restaurants, food & drink. This epic morsel came from Taste Makers of London restaurant stand where food Instagrammer Clerkenwell Boy has teamed up with Melissa Hemsley, Laura Jackson and Rosie Birkett to serve a menu of their favourite dishes. This duck confit kibbeh was chosen by Clerkenwell Boy from the #CookForSyria recipe book, so £1 from every dish sold is donated to the cause. The original dish was created by The Good Egg and combines succulent duck confit with crisp, sesame-crusted kibbeh and is served with a creamy, smoked aubergine labneh. If you're going to Taste of London this year, we recommend heading to the Taste Makers tent. Our regular contributor Rosie Birkett will also be there serving up popcorn cheesecake… Need we say more? With the weather finally heating up (hooray!), we're all screaming for ice cream. We'll pass on the vanilla, strawberry and chocolate though. We love to seek out the UK's (and in this case Europe's) most unusual ice cream flavours like last week's black coconut and last month's coffee & chicory. So, can we top those this week? We certainly can. Senior writer Sarah has been staying at the Hotel Relais Villa Del Golfo & Spa in Cannigione, northern Sardinia, and dining at the MiraLuna restaurant. The menu focuses on taking locally sourced ingredients and transforming them into fresh, modern takes on traditional Mediterranean cuisine. The star of the show? Jerusalem artichoke ice cream (yes, you read that right). It's not a traditional Sardinian dish, but this interesting flavour, also seen at Noma Copenhagen, really works. The artichoke adds a delicate, mellow note to the ice cream, which pairs beautifully with the intensity of the dark chocolate mousse that it's served alongside. This has got us thinking: which other vegetables would make delicious ice cream? It seems not a week goes by without some twist on a gin & tonic gracing our tables. We've seen gin & tonic with cucumber and coriander, ginger and even cherry tomatoes but here's a new one – plankton G&T. Yes plankton, the microscopic organism found in the sea, also known as microalgae. Intrigued? It's still yet to kick off as a trend in the UK, but chef Angel Leon has been cooking with plankton at Aponiente restaurant in Cadiz, Spain for some years now, and even farms it on site. We visited the two-Michelin-starred restaurant last week for a truly inspiring meal. With four marine biologists working at the restaurant, these guys take the sea very seriously. And it shows. We tried such unique and interesting dishes as cuttlefish doughnuts, 'sea sausages' and crispy shrimp fritters, and to drink, this plankton gin & tonic made with Gin Mare, the all important plankton and some tonic water. The plankton is freeze-dried into a fine green powder, which is then reconstituted in water to use in the cocktail, resulting in a vibrant green drink. There's even plankton added to the ice-cubes too. So what does it taste like? Well, somewhere between spirulina, spinach and nori – earthy-tasting, with a hint of the sea. Could plankton be the next big thing...? Sick of the unicorn food craze? Well forget pink, sparkly and rainbow-coloured food and start channeling your inner goth because the latest trend to emerge is all about BLACK. While black food isn't a new concept (think licorice and squid ink pasta), using charcoal or black sesame to colour foods has become more mainstream recently, with black ice cream (often referred to on social media as 'goth ice cream') set to be a big trend this summer. In fact, the trend began last year in New York (duh) when the coconut ash ice cream from Morgenstern's creamery became an insta-sensation. This year, LA-based Little Damage ice cream has caused a similar stir with its almond charcoal version and, here in the UK, Jude's has followed suit with a black coconut offering, available at Pear Tree Café in Battersea. We've been experimenting here at GF HQ but instead of using charcoal or coconut ash, we used black tahini, mixing it with honey, greek yogurt and cream. Admittedly, our choice of sprinkles isn't very goth…perhaps we're still hanging on to the unicorn trend after all! If you fancy giving goth ice cream a go, watch this space... Recipe coming to BBC Good Food soon. You may have heard of gougères – the light, fluffy bites of cheesy choux pastry from France, often served as a canape – but chances are you won't have ever experienced gougères like this. These little delights were served at The Laughing Heart in Hackney as part of a special collaboration with pop-up project Snackbar for London Food month. Chefs Seb Myers and Freddie Janssen created an informal, Asian-fusion style snack menu which included unusual dishes such as crispy pork dumplings in eel broth, a mortadella banh mi and these totally epic kimchi & stilton gougères. We've long been fans of the cheese & kimchi toastie, seen at Antipode, London, and now these morsels of joy have taken the combination to another level. The lighter-than-air choux pastry, rich, creamy stilton and notes of spicy, umami-rich kimchi make these salty little bites a heavenly bar snack. With a boom in newfound superfoods like teff, Ethiopian staples are starting to hit the mainstream, and we couldn't be happier. Watch this space for more emerging Ethiopian food trends. These injera flatbreads made from teff flour are spongy, slightly sour and perfect for mopping up delicious meaty stews, spiced lentil mixes and crunchy salads. Until recently, the Ethiopian government had placed a ban on exports of teff for almost a decade. This was to combat domestic costs rising in a repeat of what happened in Bolivia when 'quinoa fever' gripped the UK. However, as teff production has doubled over the last five years, the ban has been partially lifted and the trickle through of this gluten-free grain has begun on a small scale. Why not try creating your own Ethiopian feast with these fabulous flatbreads and your favourite dips and spicy stews? The UK is embracing the next generation of Asian food trends, with Vietnamese and Filipino dishes becoming more commonplace. We're all about exploring emerging cuisines with plenty of exciting herbs and spices. At Go Viet, a polished offshoot of Jeff Tan's restaurant Vietfood, we were treated to these baby tomatoes. They might look simple, but don't be deceived. These tomatoes have been marinated in 12 herbs and spices for 10 hours to give a refreshing, complex flavour on the palate. Some of our favourite traditional Vietnamese flavours like lemongrass and pandan leaves are blended with some more unusual flavours such as slightly bitter wild yam and hot Vietnamese mint. We reckon these chilled, bright red beauties would be perfect with a cool vodka martini, shaken or stirred. Following on from last week's chicory and coffee treat (see below), this week we continued our search for unusually addictive ice cream flavours. This coriander and mint choc chip scoop is a blend of traditional creamy gelato and modern flavour touches from Vico at Cambridge Circus, an Italian eaterie that also boasts the award-winning Gelupo gelateria and café. We enjoyed the blend of classic mint and chocolate chip with earthy coriander, perfect for a refreshing afternoon pick-me-up. These innovative flavour combinations are the brain-child of chef Jacob Kenedy. He cites a dense, creamy texture as being key to a good gelato, with a huge dose of flavour, undiluted by sugar or water, and a clean finish. Grab yourself a cone and see for yourself what all the fuss is about.

Maingear Pulse 15 Review By Brian Westover https://www.pcmag.com/reviews/maingear-pulse-15 The Maingear Pulse 15 is a midrange gaming laptop that rivals our top pick in many ways, and even adds a couple of touches all its own. Maingear Pulse 15 Maingear Pulse 15 Quad-core Intel Core i7 processor and Nvidia GeForce GTX 870M graphics. Slim, lightweight design. Durable aluminum chassis and attractive paint job. Customizable keyboard backlighting. Short battery life. Runs hot. Gaming performance falls slightly short. Though once a very small niche among enthusiasts, ultraportable gaming laptops have grown to be a substantial subset of gaming notebooks in general, and ultraportable design has crossed over into other categories, too. Take for example the Maingear Pulse 15 ($2,325 as tested), which is ultrathin and light, but its 15-inch size is a bit large for a true ultraportable, making it a midrange gaming laptop. The Pulse 15 is the bigger sibling to Maingear's Pulse 14, with a larger higher-resolution display and a slimmer chassis. It squares off against others, like the Editors' Choice MSI GS60 Ghost Pro 3K($1,799.99 at Office Depot® & OfficeMax®), and while it doesn't supplant the leader, it proves itself a worthy peer. The chassis sports an all-metal construction, making for a slim, yet sturdy design. Measuring just 0.8 by 15.4 by 10.5 inches (HWD) and weighing 3.9 pounds, the 15-inch system is large enough to enjoy the latest games, but thin enough to carry in a laptop bag, something you couldn't claim about any gaming laptop just a couple of years ago. It does get hot when you really let it go to town with a demanding game, but no more so than other slim-bodied systems, topping out at 100 degrees (as measured by a Fluke IR thermometer). That's cooler than both the Razer Blade (2014)($2,999.11 at Amazon) (126 degrees) and the MSI GS60 Ghost Pro 3K (108 degrees). It looks quite similar to the MSI Ghost Pro, with both systems offering comparable components in what is essentially the same chassis. To help differentiate between the two, Maingear offers some fancy Glasurit paint jobs, with a rainbow of colors available, in either glossy or matte finishes. Our review unit came in an eye-catching orange, but you can get any color you choose, or you can skip it for a black, brushed-aluminum finish. The matte paint job makes for a nice soft-touch feel. The real treat of this system is the 15.6-inch 3K display, which boasts a 2,880-by-1,620 resolution and an impressive In-Plane Switching (IPS) panel. The color quality is very good, and it has pretty wide viewing angles, too, but there is some reflectivity on the glass of the display. It's not quite as nice as the 3,200-by-1,800 Indium Gallium Zinc Oxide (IGZO) display seen on the Razer Blade, but it's still a giant step up from full HD. There are four built-in SoundBlaster speakers plus an integrated subwoofer for sound that is clear and deep. MSI GS60 Ghost Pro 3K at Office Depot® & OfficeMax® Read MSI GS60 Ghost Pro 3K Review Maingear Pulse 14 Read Maingear Pulse 14 Review Razer Blade (2014) Read Razer Blade (2014) Review The chiclet-style keyboard has multizone, colored backlighting, with each zone color-customizable. While it looks just like the keyboard seen on the MSI GS60 Ghost Pro 3K—right down to the font on the keys—the Maingear model doesn't boast the SteelSeries branding. It does, however, still offer full anti-ghosting, letting you press several keys simultaneously without the keyboard locking up or slowing down your game controls. The wide clickpad is quite spacious, but without discrete right and left buttons, even gamers who like gaming on a trackpad—and they are few and far between—will probably want a dedicated gaming mouse. On the right side of the laptop, you'll find a single USB 3.0 port, an SD card slot, an HDMI port, and a mini DisplayPort. The Ethernet port comes with Qualcomm's Killer-brand networking hardware, which is optimized for gaming, and prioritizes online gaming and media streaming traffic for lower latency and better performance. On the left side are jacks for headphones and a microphone, two USB 3.0 ports, and a Kensington lock slot. Dual-band 802.11ac Wi-Fi and Bluetooth 4.0 come standard. You'll get plenty of storage, with a 1TB, 7,200rpm hard drive combined with a pair of 128GB solid-state drives (SSDs) in RAID 0, offering zippy performance and spacious storage. That's a full terabyte more than the Razer Blade offers, but it's on par with the smaller Maingear Pulse 14 and the MSI GS60, which both offer a similar trio of drives. Maingear doesn't weigh down the Pulse 15 with extra software, so the only things installed on the drive are the Windows 8.1 (64-bit) operating system and drivers for the Nvidia graphics card. The GPU comes with Nvidia's Optimus automatic graphics-switching technology, and a dashboard, called GeForce Experience, that lets you adjust the card settings and maximize performance. Nvidia now includes a lot more with GeForce Experience, with BatteryBoost, for better on-the-go gaming performance, ShadowPlay, which lets you capture gameplay footage using a DVR-like tool, and GameStream, which lets you stream games from the PC to the Nvidia Shield handheld. Maingear covers the Pulse 15 with a one-year warranty and adds a lifetime of phone support and labor for repairs and maintenance on top of that. The Best Laptops for 2021 The Pulse 15 is outfitted with a 2.5GHz Intel Core i7-4710HQ, 16GB of RAM, and an Nvidia GeForce GTX 870M graphics card, the same hardware options seen in the MSI GS60 Ghost Pro 3K. Understandably, this led to extremely similar, though not identical, performance between the two across the board. For instance, the Pulse 15 managed 3,047 points in PCMark 8 Work Conventional compared with the MSI GS60's 2,988 points, but it fell behind by an equally narrow margin in Cinebench R15 with 556 points against the MSI GS60's 656 points. The same can be seen on our multimedia tests, where the difference between the two is negligible—the Pulse 15 completed Handbrake in 1 minute 22 seconds and Photoshop in 3:29, while the MSI GS60 edged ahead in both, finishing in 1:14 and 3:26, respectively. See How We Test Laptops The more important performance results for a gaming machine are in our graphics and frame rate tests. With its Nvidia GeForce GTX 870M graphics card and 3GB of dedicated video emory, the Pulse 15 scored 16,709 (CloudGate), and 2,192 (FireStrike). In gaming tests, with the resolution at 1,366-by-768 and the detail settings turned down, it cranked through Heaven at 80 frames per second (fps) and scored 94fps in Valley. With the resolution dialed up to 1,080p and the eye-candy turned on, frame rates dropped considerably, down to 12fps in Heaven and 16fps in Valley. At lower resolutions, the Pulse 15 will handle any game you throw at it, but the 3K display supports higher resolutions than the GPU can adequately handle. Interestingly enough, this isn't a problem we saw on the MSI GS60 Ghost Pro, despite the similar hardware and display. The Pulse 15 lasted 3 hours 13 minutes on our rundown test, only four minutes behind the MSI GS60, but a full hour behind the latest Razer Blade (4:15). Nonetheless, it does offer some battery life, and will even allow some on-the-go gaming. The Maingear Pulse 15 is a solid slim midrange laptop, and why wouldn't it be? It shares the same chassis and similar specs as our Editors' Choice MSI GS60 Ghost Pro 3K. But while we still love the slim design, the impressive 3K display, and even the improved speakers and stylish paintjob, the MSI GS60 Ghost Pro 3K offers a better overall package with slightly better gaming performance, and remains our top pick. Best Laptop Picks The Best 2-in-1 Convertible and Hybrid Laptops for 2021 The Fastest Laptops for 2021 The Best Chromebooks for 2021 The Best Lenovo Laptops for 2021 More Laptop Reviews More from Maingear Laptop Product Comparisons Apple MacBook Pro vs. Microsoft Surface Laptop 3: Which 13-Inch Premium Laptop Is Tops? MacBook Pro vs. MacBook Air: Which 13-Inch Apple Laptop Is Best for 2020? Slick Ultraportables Face Off: 2020 Apple MacBook Air vs. Microsoft Surface Laptop 3 High-End Mac Showdown: Apple iMac vs. Apple MacBook Pro Report: Apple Is Ditching the MacBook's OLED Touch Bar The Best Laptops of CES 2021 Samsung 'Blade Bezel' Laptops Will Have Under-Screen Webcams Gigabyte Launches GeForce RTX 30 Series and Ryzen-Powered Gaming Laptops First Look: Asus TUF Dash F15 Slims Down, Pumps Up Budget Gaming Laptops About Brian Westover Brian Westover is an Analyst for the Hardware Team, reviewing laptops, desktops, and storage devices. As a child, Brian was frequently asked "What do you want to be when you grow up?" His answer alternated between Superman and Batman. This was cute when he was five, but worrisome at seventeen. Naturally, he is now a journalist, writing about technology and gadgets. Brian has been writing professionally since 2007, and his work has appeared in business newsletters, websites, textbooks, and magazines. He earned his degree in Communications from Brigham Young University - Idaho. When not writing or fighting villainy, Brian enjoys sampling the culinary delights of New York, perusing obscure trivia, and spending time with his wife. Read the latest from Brian Westover Can My PC Run Windows 10 Fall Creators Update? Lenovo ThinkPad Yoga 15 Review Lenovo OneLink Pro Dock Review Lenovo ThinkPad Helix 2nd Gen Review SanDisk Dual USB Drive Type-C (32GB) Review More from Brian Westover

Exciting News – Welcome to Butterfly Dreams Abuse Recovery!!! Today I'd like to make the official announcement of my next step in this journey. You are invited to visit the new website and check out the information. You will find the 'Welcome' page to enlighten on what is happening here. There are hundreds of worthy, devoted, trusted organizations and foundations building change for our next generation. Now I've used my thirty-two years in horrifying abuse, violence, attempted murderous acts against me, to help bring empowerment and healing to others. With great pride I can say I've truly made it through a positive path to freedom and have made some amazing connections along the way. Now I'd like to take all of those Advocates/Bloggers/Foundations & Organizations and share them as resources to help all survivors find their own healing path. For those who know me, you know my heart and where my truth lies; I'm focused in this mission to bring an end to Family Violence and Abuse against those we should love, support, and guide. I am also determined to bring some sense of understanding the impact of these personal violations, helping others to heal and find their true path to freedom. Its important to understand these actions against those closest to us have existed since the beginning of mankind as a struggle to power over another. I've shared my voice many times, throughout published articles, interviews, blogtalk radio broadcasts and more about the generational acceptance and pattern of trained behaviors, which have grown to program our ever-growing violent society. Now I've joined up with my dear friend and talented Watercolor Artist, Michal Madison; as we build Butterfly Dreams Abuse Recovery. It is very exciting to look at the upcoming year and where our footsteps will lead us next. We are bringing a new broadcast program to the many others on blog talk radio programming!!! Look for more information to come as we approach January 3rd, 2013. There is tons of information I've shared as my own healing and coping tools, which you are invited to view on the separate pages of the new site. You will also find an excellent collection of resources provided to help you research your best path. There are many different ways to connect with the emotions of all that's happened, many ways to express these trapped nightmares so that we may begin to walk in freedom and inspire others to choose their new life. On the 'Resources' page you will find many whom you can depend on for help, guidance, support, understanding and ways to heal. You will also find 'Radio World' a resource collection of other blog talk radio programs from those devoted advocates sharing news, information, interviews and tools. You will also find 'Generation No More' this is the beginning of our children's tomorrow. We are the generation now speaking out of these horrors to prevent it happening again. As we share our stories there is another victim who is given a voice. Another broken soul who is hearing your words, which empowers them with the comfort in numbers to feel safe. On this page you are asked to sign the guest book, share your non-profit org or foundation, share your local resources so our list can continue to grow. We are all in this together and only mankind can create a better way of living, a safer home for everyone; this may be the only cure for this growing plague of man-made cancer eating away at our society!!! Along with this new website is the online support group I founded back in January 2011, Survivors World!!! This online group is open to both men and women who have been victims of some form of abuse or violence against them. You can join in conversations, connect with others like yourself, learn to be empowered in your life. Always believe in the happiness you deserve and never give up on the hope for tomorrow. It is through believing in our recovery that will help you move forward. Be empowered to join in with others as we take 'Survivors World' online to help support everyone impacted by these generational crimes against those within the walls of our homes. Our children are depending on us to give them something better. We all have made a committment to provide them a better way than we were given. It is by healing from the abuses against us that each of us begins to understand how our puzzle got so busted and our brains rewired through the abrupt interruption of our 'normal' growth and development. These crimes leave a lifelong impact with deep emotional wounds. When we understand how PTSD, Depression, Anxiety, Self Destructive Behaviors and more affect our daily lives; then we can use our coping skills to help us get through to tomorrow. What can you do to help? Simply, GET THE WORD OUT!!! I am so excited to begin this new journey and provide all I can to help others. Michal and I are getting more and more excited about the upcoming New Year of 2013 and the beginning of our broadcasting. As you may also know however, I don't do very well at marketing myself or what I've got to share. My mission is to be active in helping others so I don't do much at promoting, such as with 'My Justice' you may notice you see very little in promotions on this. 'My Justice' has been highly rated and reviewed by Psychology Professionals, Authors, Survivors, Educators, Highly Praised Attorneys, and of course many of you. In fact, there has yet to be one person who isn't deeply touched in some way by this story. Yet I rarely share their reviews, feel guilty when I give myself praise of any form; another lasting impact from the many years of being emotionally broken down to believe I was unworthy of human kindness by anyone. This is a daily process for any survivor as you well know. So how do I expect my work and my continued efforts to be noticed? By the support, friendship, and word of mouth marketing from all of you!!! It is you who have read the story, perhaps you want to pass the book on to another? It is you who connect and share your powerful stories with me in trust and safety, so you know my devotion. It is you who responds and shares of how you were inspired by something I did or said in some way!!! This my friends to me is phenomenal!!! It is your support and your word of mouth that I trust and believe in!!! If anything I do is worth recognizing or believing, then you will pass it on to another and hopefully they too will be inspired to believe in their true freedom. It is with all voices talking that it will all make a difference and be recognized for the truth we provide and the hope we give to our children; humanity's only hope in bringing a break to the cycle of what has been so commonly accepted as normal!!! Live in your positive truth!!! Freedom is a path we all deserve!! fly into your new beginning!!! ASCA.org; Naasca.org; Overcomingsexualabuse.com; incestsurvivors.webs.com; stopabusingyourchildren.com; survivingspirit.com; mskinnermusic.com; plunafoundations.org; sisfi.org; togetherweheal.wordpress.com – blogtalkradio.com; Viga Boland, Mary E. Graziano, Patricia Caldwell – Singleton, Annie O'Sullivan, Jan Frayne, Sharon Newkirk Wells, Lynn C. Tolson, Mary Ann Goughler, I CARE Foundation, Peter Thomas Senese — Hopefully you will help share this exciting new site!!!!

We empirically assess the distributional impacts and welfare effects of policies to incentivize renewable electricity production for the case of Italy. We use data from the Household Budget Survey between 2000 and 2010 to estimate a demand system in which energy goods' shares of expenditure are modelled using different empirical approaches. We show that the general Exact Affine Stone Index (EASI) demand system provides more robust estimates of price elasticities of each composite good than the commonly used Almost Ideal Demand System (AIDS). The estimated coefficients are used to perform a welfare analysis of the Italian renewable electricity production incentive policy. We show that different empirical approaches give rise to significantly different estimates of price elasticities and that methodological choices are the reasons for the very high elasticities of substitutions estimated using similar data by previous contributions. We find no evidence of regressivity of the incidence of the Italian renewable incentive scheme in the period under consideration. The renewable subsidies act as a middle-class tax, with the higher welfare losses experienced by households in the second to fourth quintiles of the expenditure distribution.

The usually reliable Facebook suffered an outage on Thursday this week, amid rumours that the site had been attacked by a hacktivist group. However, there's been no confirmation of this and it could have just been the case that the site suffered technical problems. The outages didn't affect all of Facebook's 900m users, but many had problems logging in or experienced glitches such as pages being slow to load for a couple of hours. As you can imagine, this prompted a slew of both angry tweets and jokes at the time, with many users furious that they couldn't access their profile whilst others cracked the joke that "Facebook is down just like its share price". In spite of the jokes, and the outage, Facebook share prices climbed slightly yesterday by $1.41, bringing the shares up to $29.60. The Communications Consumer Panel (CCP) has warned that unless the government addresses policy regarding broadband rollout and education, the existing 'digital divide' will widen further and could threaten to stifle internet growth and innovation. According to the CCP, about 11 million people in the UK still don't use the internet at home, that's 22% of all UK adults. Panel chairman Bob Warner said that this means a "significant minority" of people will be left unable to access online benefits and services. "Sustainable growth for the future can only be achieved if broadband is used by most consumers and businesses," he went on to say. The key to rectifying the situation should be a balance between broadband rollout and online support. Incentives in the past to get people online have included digital champions, who work with people in minority internet groups such as the older generation to teach them how to use the net. A new Facebook scam is doing the rounds that claims to be able to remove Timeline and revert profiles back to the old layout. Timeline remover comes in the form of an email or app and takes unsuspecting victims to a third-party Turkish site where they are requested to install a browser plugin. The software is written in Turkish and warns users that the plugin is for Turkish users only with a line written in English. Whilst the email version is still being examined by GFI Lab, the app version appears to point to a survey scam. Survey scams are common on Facebook and often use social engineering to get users to click on them. This takes the form of sensationalist photos and videos in many cases, although there is also the ever popular 'see who views your profile' scam which continues to appear frequently on the site. Generally, when clicked, the user is taken to an external site or dodgy app and asked to fill in a survey in order to get to a photo or access the app. These are malicious and can sign up victims to premium rate services, as well as result in unwanted calls. In the worst cases, they contain malicious code which infects a victim machine with malware, often banking trojans. Needless to say it doesn't work and like all things on Facebook that make unlikely or sensationalist promises, it should be avoided. Windows 8 is now available to download for review before the official version is released to manufacturers in a couple of months' time. The latest offering from Microsoft has IE10 with integrated Flash and a touch feature that allows flicking backwards and forwards between pages. There is also a new Hotmail app, as well as SkyDrive and Messenger and more are expected to follow. In addition to this, new lock-down features are enabled to give more control for parents to restrict what their kids can get access to. No official release date has yet been given, but it's thought that Microsoft will introduce a new voucher scheme which enables new PC buyers to upgrade to W8 at a substantially lower cost. Three EU committees have voted against the implementation of the controversial Anti-Counterfeiting Trade Agreement (ACTA). The anti-piracy treaty has come in for widespread criticism from rights groups and consumers alike, as it's thought to be a threat to online freedom. The committees were looking at the details of ACTA in order to assess if it constitutes a threat to civil liberties, the legality of it and whether it's likely to threaten innovation. The European parliament will make its final decisions on ACTA come July, let's hope it's the right one for the internet, rather than movie moguls. And finally … is this the most romantic proposal ever? If the video below doesn't bring a tear to your eye and put a smile on your face for the upcoming Bank Holiday weekend, then you have a heart of stone. Or perhaps I'm just a helpless romantic, who knows. Isaac's Live Lip-Dub Proposal hit YouTube this week and so far has gained 11,326,871views and made it to the top of the Guardian's viral video chart. As well as the time and effort that the potential groom put into his proposal, the 'awww' factor is undeniable.

Joe Chidley: U.S. sanctions are putting the squeeze on Iran, but what comes next is anyone's guess Because we've seen the bluster before, investors seem more worried about the global economy, U.S.-China trade war and waning oil demand Brian Hook, U.S. Special Representative for Iran, testifies before a House Foreign Affairs Subcommittee on the Middle East, North Africa, and International Terrorism hearing on the Trump Administration's policy toward Iran in Washington, D.C. on June 19, 2019.ANDREW CABALLERO-REYNOLDS/AFP/Getty Images Joe Chidley The war of words between the United States and Iran has been heating up for months now, but in recent weeks — marked by attacks on commercial oil tankers in the Gulf of Oman — the rhetoric has reached a more feverish pitch. The administration of U.S. President Donald Trump blames Iran for the attacks; Iran, not altogether convincingly, denies any involvement. This follows, of course, more heated words following the U.S. ending waivers for some allies from its economic sanctions against Iran, which were reinstated last November after the States withdrew from the Iran nuclear deal, or Joint Comprehensive Plan of Action (JCPOA), even though by all available evidence Iran had been complying with the terms of the agreement. Now, Iran is vowing to ramp up its uranium enrichment program; Trump is warning that should it threaten the United States and provoke a war, Iran will face its "official end" (whatever that means). What to expect from oil prices after tougher U.S. sanctions against Iran U.S. sanctions on Iran will leave oil markets with thinner safety margins than in the great shocks of 1970 and 2008 Not even tanker attacks in the Middle East can boost price of oil Were the tanker attacks a first salvo in a brewing hot war with Iran? Could armed conflict be inevitable? If so, then oil markets — which typically pay close attention to the geopolitics of the Middle East — seem not too worried about it. It's true that oil prices spiked following the June 13 strikes against a Japanese and a Norwegian tanker, but settled down soon after. Investors, in fact, seem more worried about the state of the global economy, the U.S.-China trade war and waning oil demand growth than they do about a U.S. war with Iran. Case in point: oil prices surged earlier this week after Trump tweeted that he would meet with Chinese president Xi Jinping to kick-start trade talks next week at the G20 in Osaka. But war with Iran? Yawn. This might be a miscalculation, yet perhaps it's understandable. For one thing, Iran's oil exports have already been cut sharply thanks to the U.S. sanctions, while Saudi Arabia and its partners at the Organization of Petroleum Exporting Countries are well capable of filling any production shortfall (should they choose to do so); U.S. oil output, meanwhile, seems poised to hit a new record this year. At the moment, demand is a much bigger worry for oil than supply. Another contributor to the oil market's nonchalance about Iran could be that investors (like all of us) have seen a version of this drama before. Trump's détente with North Korean dictator Kim Jong-un followed months of fiery rhetoric from both sides, which was resolved in a kind of bromance between the two, which then led to a gentlemen's agreement (I use the term advisedly) on nuclear non-proliferation, and then to — well, basically nothing. Trump and Kim's last meeting, in Vietnam in February, ended abruptly, with both sides walking away. Now, it's hard to imagine Trump making nice with Iran's mullahs, but you get the point — this could all very well come to nothing. Yet, quite obviously, Iran is not North Korea. Even the destabilization of a country of 90 million people, with significant oil reserves and tentacles throughout the Mideast, is bound to have repercussions. And they are not guaranteed to be positive. It would be easier to handicap the risk of outright conflict, of course, if the strategy from the U.S. were clear. But it's a scramble. The economic sanctions are clearly having an effect. The Iranian rial has plunged since they went into effect, and inflation is believed to be running above 50 per cent, according to the International Monetary Fund. The IMF forecasts the Iranian economy to shrink by 4.5 per cent this year after contracting by nearly two per cent last year; for comparison purposes, it grew by more than 13 per cent in 2016. Even short of armed conflict with the U.S., Iran's economic weakness could over time shift its power dynamics, but the recent history of sanctions doesn't suggest that will come anytime soon. (See Venezuela and North Korea.) The more immediate impact might be in countries where Iran backs Shiite forces — Yemen, Iraq, Lebanon and Syria in particular. If Iran withdraws from its regional interests, who will step in to fill the gap? It might not be the "good guys," and the history of power vacuums in the Mideast is not exactly reassuring. It would be easier to handicap the risk of outright conflict, of course, if the strategy from the U.S. were clear. But it's a scramble. Neither side says it wants a war, and the Trump administration has recently dialled back from calls for regime change. Yet its conditions for negotiating with Iran — laid out in 12 demands from Secretary of State Mike Pompeo last year — are tantamount to it. It could be, of course, that the heightened pressure from the Trump administration is a prelude to negotiations on softer terms, but the hotter the war of words becomes, the harder it will be for either side to reach a compromise. Even if negotiations do take place someday, Trump's deal-making record with foreign opponents is not stellar; he seems far more comfortable wringing concessions out of allies. Meanwhile, the remaining signatories to the JCPOA — Russia, China, France, Britain and Germany — have been trying to salvage the deal and find a workaround for the U.S. sanctions. Iran has been complying with the JCPOA so far, but recently vowed to ramp up its uranium enrichment program — which would not only scupper what's left of the agreement, but also drive the wedge between the U.S. and its European allies even deeper. That might actually serve Iran's interests even further. So… it's complicated. And one has to doubt the Trump administration's ability to navigate the complexities, whatever its goal is. For now, oil markets seem to be betting that it will all come to nothing, like so much else in the threat world of Trump. It's not a bad bet. But it could still be wrong. This content was provided by Market One for commercial purposes. Advertised by Market One Investors are flocking to psychedelics offerings, the new hope for combatting the opioid epidemic GABY Inc. is prepared to educate the mainstream market on CBD options for health and wellness Promoted by Business Wire American Crop Insurance Partners with Farmers Edge to Provide Superior Insurance Services and Personalized Coverage to Growers Krishnan Suthanthiran and His TeamBest Companies and Best Cure Foundation Wish to Congratulate Dr. Dattatreyudu Nori on His New Appointment as the International Director of Apollo Cancer Centers Public Pensions Reducing Fee Outlays to Improve Efficiency Tubi to Exclusively Stream Robert Rodriguez's Latest Film and Docu-Series More News Releases The couple who scammed Warren Buffett's Berkshire Hathaway for millions Five things to watch out for in Apple's earnings Evolve terminating its two cannabis ETFs after less than two years as funds drop more than 50% 'Sell first, ask questions later': Stocks tumble around the world as coronavirus spreads Bombardier will fight, but there may not be a path to survival: 'They're not going to be around' These five narrative-busting stocks are posting eye-popping returns, and leaving the doubters behind Wealthsimple one step closer to competing with banks after launch of no-fee account Netflix adds more paid subscribers than expected in fourth quarter, but growth slows in U.S., Canada Tesla shares could hit $960 in early 2021, company's biggest bull says WatchHere's David Rosenberg's bear-case portfolio to help you weather a looming economic slowdown WatchWealthsimple just launched chequing account with 2.4% interest; next step, credit

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L&T net profit rises 7% to Rs 3,418 crore in Q4 on strong revenues Larsen & Toubro, India's largest construction and engineering company, reported net profit growth of 7 percent year-on-year to Rs 3,418 crore in the fourth quarter ended March 31 driven by strong revenue growth and operational performance. The net profit in the corresponding quarter of the previous year was at Rs 3,167.47 crore. Consolidated Profit After Tax (PAT) for the year ended March 31, 2019 grew 21% YoY to Rs 8,905 crore. Consolidated gross revenue in the quarter came in at Rs 44,934 crore - an increase of 10% on YoY basis. The order intake for the quarter ended March 31 stood at Rs 56,538 crore up 14% YoY. International order inflow during the quarter was at Rs 17,680 crore - 31% of the total order inflow for the quarter. Consolidated order book of the group stood at Rs 2,93,427 crore as at March 31. The board has recommended a dividend of Rs 18 per equity share. The infra segment EBIT was up at Rs 3,088.3 crore, while margin was at 11.4 percent. The power business revenue was down by 38% at Rs 934.3 crore against Rs 1,506.8 crore. The EBIT declined 45.4% at Rs 28.4 crore and margin was at 3 percent. The other income of the company stood at Rs 620 crore. Heavy engineering business revenue rose 75.7 percent at Rs 899.5 crore against Rs 512 crore, YoY. Shares of Larsen & Toubro ended at Rs 1,355.25, down Rs 1.45, or 0.11 percent., while the benchmark Sensex ended lower 95.92 points at 37462.99 Sensex soars 537 points; Nifty... Sensex, Nifty turn choppy; HCL... RBI cuts key rate by 25 bps, changes neutral stanc... The Reserve Bank of India (RBI) cutkey lending rates by another 25 basis points to 5.75 per cent on Thursday. In the second bi-monthly monetary policy of 2019-20 under Governor Shaktikanta Das, the six-member Monetary Policy Committee voted 4:2 in favour of the rate cut. The Monetary Policy Committe... India projected to grow at 7.5 per cent for three ... India's economy is projected to grow at 7.5 per cent in the next three years, supported by robust investment and private consumption, the World Bank has forecast, in some good news to the new Indian government. The bank in its Global Economic Prospects relea-sed on Tuesday said India is estimated to... BPCL, HPCL take 25 pc stake each in IOC's Rs 9,000... Bharat Petroleum Corp Ltd (BPCL) and Hindustan Petroleum Corp Ltd (HPCL) have joined in the country's longest LPG pipeline project being laid by state-owned Indian OilCorporation(IOC) to cater to cooking fuel needs of a fourth of the country's population. BPCL and HPCL will take 25 per cent stake ea... Sensex jumps over 100 points; Nifty nears 11,900 The benchmark BSE Sensex jumped over 100 points in early trade on Monday driven by gains in banking stocks amid unabated foreign fund inflow. The 30-share index was trading 128.27 points, or 0.33 per cent, higher at 39,562.99. Similarly, the broader NSE Nifty spurted 28.75 points, or 0.24 per cent, ... Indices come down from record highs; Sensex slumps... Benchmark indices took U-turn from record high levels touched during early trade on Tuesday, with the BSE Sensex tripping nearly 383 points and the NSE Nifty shedding over 119 points as investors hurried up to book profits. An intense selling was seen, barring initial hours, across sectors after mar... Sensex vaults 1,422 points as exit polls forecast ... Benchmark Sensex zoomed over 1,422 points and the NSE Nifty surged 421 points on Monday after most exit polls showed that the Narendra Modi-led NDA is returning to power with a thumping majority in the Lok Sabha elections. The 30-share index ended 1,421.90 points, or 3.75 per cent, higher at 39,352.... Sensex jumps over 800 points as exit polls suggest... The exit poll results, which have showed a winning of BJP-led NDA in the 17thLok Sabha elections, are expected to have positive impact on the Stock market. Exit poll trends will set the tone for the equity markets in the initial part of the week, while the final outcome of the general elections on M... Sensex soars 537 points; Nifty reclaims 11,400-mar... The BSE Sensex soared 537 points and the NSE Nifty reclaimed the 11,400 level on Friday in a broad-based rally led by banking and auto stocks ahead of exit poll results, despite global headwinds. The 30-share BSE benchmark closed 537.29 points, or 1.44 per cent, higher at 37,930.77. It hit an intra-...

Weekend Weimar and Beagle It's that time of the week. Go be with your families and loved ones. See you on Monday. TARP Making Money So Far There are a few basic points that seem to get lost in the TARP debate. The first is these are actually preferred shares that pay interest: And so far, the government is showing a profit: The actual returns to the Treasury from dividends banks pay on preferred shares issued through the program, in addition to the returns generated through warrant redemptions thus far, have been impressive. In fact, the total rate of return to the Treasury for all companies that have repaid TARP funds and redeemed their warrants associated with the program has been 10.22%, according to SNL data. The warrant redemptions have accounted for a large portion of that return, bringing in a 7.21% return to the Treasury. When looking at the return to the Treasury on an annualized basis, it becomes even larger, yielding 12.74% to the government on the 21 banks that cashed it out in full. The largest total returns to the Treasury have come from some of the largest recipients of TARP funds, namely Goldman Sachs Group Inc., Morgan Stanley and American Express Co., whose dividends on the government's preferred shares and the redemption of warrants tied to the program yielded returns to Uncle Sam of 14.18%, 12.68% and 12.23%, respectively, according to SNL data. Here is a chart of the returns the government received from various institutions: Consumer Expectations Improve The final August University of Michigan index of consumer sentiment was reported this morning. It had been causing me concern as during July and earlier this month, both the current conditions and the future expectations components were decreasing. The expectations component is a Leading Economic Indicator, and was the only such indicator decreasing. Added to job declines and wage stagnation, and there was great cause for concern. Not only did the overall index improve from 63.2 earlier this month to 65.7 (but still below July's 66.0 and June's 70.8), but the expectations index, which was 62.1 earlier this month, improved to 65.0, exceeding July's 63.2 reading (although still below May's high of 69.4). Not perfect, but back on the right track. This means that it will make a positive contribution to August's tally of LEI's, which look on track for another strong month -- the fifth in a row. FDIC Problem List Grows Yesterday the FDIC released the quarterly banking profile. The report indicated the industry is still very sick. The Federal Deposit Insurance Corp. said it had 416 banks on its "problem list" at the end of June, equivalent to about 5% of the nation's banks, up from 305 at the end of March and 117 at the end of June 2008. Problem banks had a combined $299.8 billion of assets at the end of June, compared with $78.3 billion a year ago. Landing on the FDIC's problem list means a bank is at a high risk of insolvency. State and federal regulators have already shut 81 banks this year. "It's a continuation of the deterioration across the industry," said Gerard Cassidy, a bank analyst with RBC Capital Markets. "We think there are hundreds of failures to come." There are a few points to make about this data. The total amount of assets on the problem list is $300 billion. This is not good, but it is not terrible either; the asset size is manageable. In addition, that assumes a 100% failure rate of the banks which is doubtful. In addition, consider this chart from Calculated Risk: In short, we've been through far worse times when far more assets were a problem. In addition, The swelling of the problem list could be a harbinger of further industry consolidation, analysts said. Large, healthy banks, several of which have paid back their government-rescue funds, are "chomping at the bit" to buy failed lenders from the FDIC, and Thursday's report is likely to further whet their appetites, said Ed Najarian, head of bank research at International Strategy & Investment Group Inc. "They're looking at it as more opportunity to acquire banks." We've seen the FDIC and government regulators do a lot of shotgun weddings in the banking industry. My guess is there are alot of phone calls going on right now to see who wants to acquire what bank. The primary problem this situation creates is a decrease in lending as the economy moves forward. In actuality from the consumer's perspective this development couldn't happen at a better time as consumer loan demand is dropping. From the commercial side it's an issue and will probably hinder growth. All this being said, this is a bad development. But so far it is a manageable disaster -- that is, between industry consolidation, an increase in loan loss reserves and the total amount of assets under pressure this situation can be dealt with. However, that could change it the situation continues to deteriorate. Click for a larger image Fascinating market yesterday. The market sold off in the morning but then rallied for the rest of the day. Notice how starting at about 11 the market simply turned around and went into a solid day long rally. Looking at the 5 day chart, we see a trading range, which is is more than apparent on the daily chart: Sideways prices are the best thing for bulls right now. It allows the buying frenzy to cool off without denting profitable positions. Forex Fridays The weekly chart shows a clear downtrend. The MACD is moving lower along with the RSI. Prices have been and continue to be in a downtrend. All the EMAs are moving lower, the shorter EMAs are below the longer EMAs and prices are below all the EMAs. The daily chart is a far harder read. There are no clear price patterns over the last few weeks; prices and the EMAs are in a tight range; the RSI and MACD are somewhat directionless. The bottom line is this is a market looking for a direction. This Recession is Over Market recap in the AM. I think this needs to stay up for awhile. Back in the gloomy days of last December, I wrote that an Obama economic recovery was possible in the second half of 2009: Elections have consequences ....[A] new Administration in Washington populated by Economic Adults may ..[appreciate the]... pressing need for massive infrastructure investments that can lead to renewed bank lending and economic expansion on Main Street. Eight months later, I am ready to say, that day has come. As Paul Krugman said earlier this week, "almost for sure the business cycle leading committee will eventually decide the recession ended this summer." This recession is over. Most economic observers just project past trends - usually based on data that is coincident or lags the general economy - into the future, and so they miss important turning points. In short, they get it wrong. Even now, many are simply reporting the poor recent trajectories of data between 2008 and 2009 (exactly as could have been done at the end of the 1974 and 1982 recessions), and projecting that there is still an ongoing decline that will continue, or else picking through almost relentlessly positive economic reports looking for a negative number of some subset to grasp onto. There clearly are some nasty negative numbers out there. Jobs are still being lost and wage increases have become almost non-existent. International trade as reflected by the Baltic Dry Index and the LA and Long Beach ports data is negative. States and municipalities are still facing declines in tax revenues -- although the year-over-year comparisons are getting less negative. What pundits miss is, there is a economic cycles run in a typical order including both expansions and recessions, as demonstrated by Prof. Edward Leamer: The temporal ordering of the spending weakness is: residential investment, consumer durables, consumer nondurables and consumer services before the recession, and then, once the recession officially commences, business spending on the short-lived assets, equipment and software, and, last, business spending on the long-lived assets, offices and factories. The ordering of the recovery is exactly the same. In fact, many aspects of the economy have stabilized. Many more have actually turned positive, including the most forward-looking aspects listed by Prof. Leamer above. As Bonddad and I pointed out three months ago, the best way to look into the economic future is usually just to look at the Conference Board's Index of Leading Economic Indicators, which are: real money supply, average weekly manufacturing hours, interest rate spread, manufacturers' new orders for consumer goods, supplier deliveries, stock prices, consumer expectations, building permits, average weekly initial claims for unemployment insurance, and manufacturers' new orders for durable goods. Ours was a decidedly minority opinion that the worst of the decline had probably already occurred. We noted that as of April 8 of those 10 LEI's had turned positive or at least neutral. Three months later, that trend has been reinforced. the LEI continued up by 1.2% in May, .9% in June, and .6% in July. Unless there is a meltdown in the stock market in the next few days, August looks like it will print + as well. The ongoing strength of the LEI's means that a prefect trifecta -- three out of three LEI measures linked with +GDP are positive *NOW*. Per Paul Krugman, we may have entered purgatory, but the fact is we are out of hell. While it is certainly possible that speculators could foolishly drive the price of Oil over $100 again, and trigger another recession next year, the simple fact is, this Recession is over. First, in the past, +LEI readings for 3 months in a row has typically meant the start of +GDP. Here is a graph, showing that since WW2, every time there has been a significant (~2%) turn up in the 3 month average of the LEI, a recovery (in the sense of +GDP growth) has started immediately. We got the third positive monthly reading in June. Since March, the index has increased from 97.9 to 101.6, well in excess of 2%. Second, when the year over year reading of LEI is positive, that typically means the +GDP has begun. In July 2008 the LEI stood at 101.2 (2004=100). As of June 2009, the LEI stood at 101.0 (after a +0.1% revision). July's 0.6% increase puts the index at 101.6, which triggers the second signal. Here it is graphically: Third, when 9 of the 10 indicators have been positive for 6 months, it has always signaled +GDP: As of yesterday's +4.9% increase in durable goods orders, 9 of the 10 indicators now meet the criteria. Only new orders for nondurable consumer goods has not turned positve yet. All 9 of the others -- money supply, manufacturing hours, the bond yield curve, stock market, consumer sentiment, ISM manufacturing purchasing managers index, new orders for durable goods, and first time unemployment claims -- all of them are now positive over the last 6 months. I'll spare you the bullish charts of stocks, bonds, and money supply, but here are the rest: Note that housing permits, the purchasing managers index, and consumer sentiment are all up over 10% from their bottom reading (left scale). Average manufacturing hours (red) is shown on the right scale. Meanwhile, initial claims for jobless benefits have decreased close to 15% while manufacturers new orders for durable goods, after trending sideways, turned strongly positive in July (the most positive monthly reading since the beginning of the recession): This is an enormously positive development, which as suggested by the coincident index (in yellow in the graph second from the top above), is beginning to show up in the coincident statistics, on which more below. Some people have said that we shouldn't rely on the LEI's, because this recession is different than post WW2 recessions. Unlike postwar recessions, all of the recessions during the Roaring Twenties and the Great Depression featured deflation. With the exception of the 1937-38 recession, no safety nets were in place. But we do have data from that era, and that data supports our conclusion as well. First,wholesale and consumer price data has been collected for almost 100 years. The graph below shows consumer prices in blue, and wholesale prices in red, during the 1920s and 1930s. Notice that the cycle was a collapse in wholesale prices accompanied by deflation in consumer prices. At the moment that the economy was on the cusp of expansion, there was already increased demand for commodities, so wholesale prices started to firm; and the increased consumer demand meant that CPI started to firm on a year over year basis: A similar dynamic is taking place right now: Notice how last year both wholesale and retail prices pitched headlong into deflation. Currently, YoY CPI is running -2.1%. Because late last year featured readings of -1.0% a month or similar due to the collapse in oil prices, the YoY PPI and CPI are almost certainly at their bottom right now, and will increase starting next month. That will indicate increased demand, and tin turn GDP growth. Second, there was a similar housing bubble in the 1920s. In fact, accounting for the difference in population, it was actually worse than the one earlier this decade. Housing starts declined for several years before 1929, and collapsed thereafter, bottoming in 1933 before recovering. Here's the graph (from a 1954 text) showing that process (the raw data can be found here). Per Calculated Risk, "housing led the way out of the Great Depression." Unfortunately, housing data was only connected yearly then. Now we have monthly data, but two former noted housing bears, the aforesaid Calculated Risk and Tim Iacono of "The Mess that Greenspan Made" now believe that more likely than not, the bottom for housing starts took place in January of 2009. If any further proof was needed, yesterday's blowout good number for new home sales -- which also showed that inventory decreased to a more normal 7 months from its high of about 1 year -- put an exclamation point to the data. Three months after our initial call, not only are the LEI's continuing to support our position, but now 2 of the 5 coincident indicators that members of the NBER use to date recessions are also up from their bottom, and a third stopped declining last month. Specifically, real retail sales may have hit bottom in December 2008, and after plummeting for months, industrial production surprisingly turned up 0.4% last month. Personal income is still declining badly, and employment is also still declining, although less so than earlier this year. But here is the graph of total hours of private employment (that has also been flagged by a member of the NBER as important to him in dating recessions), which stopped declining last month, just as it did at the end of the 1990 and 2001 recessions (In previous recessions, this indicator declined into the end of the recession, and then reversed course on a dime): Other coincident data is stabilizing or trending positive as well. The July trucking index just came out, reversing the June loss. On a smoothed basis, that index is now flat. The railroad car index has trended firmly upward for over a month now as well, after having moved generally sideways previously in the year. And of course, let's not forget auto sales: For those wondering what the source of growth in a recovery will be, the answer taking shape is: durable goods like housing and autos, manufacturing in general, and exports to increasingly prosperous Asian consumers. Reporting economic data like "leading economic indicators" is a cold business, that doesn't capture the day to day struggles of those living through hard times. This truth was recently described passionately by a housing activist who deals with a lot of really poor and struggling folk. She described how even if the economy turns around, a lot of people -- maybe even a majority of people -- are still in a world of hurt. She sees a division between ever fewer haves and ever more have-nots as the outcome even of an economic recovery. Her point is both vital and correct. It is essential that the current democratic Congress and White House show by words and deeds that they are taking the plight of the people at the bottom of the economic ladder. with the real sense of urgency it deserves. It is also essential, now as the economy turns positive, that real reforms be enacted to ensure that the benefits of American productivity are shared by all its people, not just those few at the very top. A commentator called what Washington has done in the last year "an extreme series of New Deal for Wall Street programs" which captures insiders' priorities perfectly. The need for a jobs policy in this country to fix the chasm whereby we get "jobless recoveries" that require 2% GDP growth on an ongoing basis before a single net new American job is created (a point has now been embraced by Paul Krugman as well) is now directly in the spotlight. Real, long term structural reform of the economy beyond health care is critical and ought to be a highest priority. In the meantime, the simple truth is, in the three months since Bonddad and I posted our joint diary, our case that a return to +GDP is close was strengthened by nearly all of the data, and at long last it is time to state the simple truth: Bonddad and I were right. This Recession is over. From Bonddad: I'm in complete agreement with NDD on this one. I would add that initial unemployment claims are trending down, the New York and Philly Fed numbers are still increasing, existing home sales have stabilized, durable goods orders have bottomed on a year over year basis and showed s solid jump last month, the credit markets have clearly settled down and are back to pre-crisis levels, and commodities' are increasing indicating an expected increase in demand. I would also add this: NDD makes a solid point about how these numbers are cold and rather inhuman sounding. I wish there was a way to personalize this information more. But, that is infortunatly the nature of the business. A Note On Government Statistics For the last few years there has been a continuing debate about government statistics. Some people argue they are seriously flawed, some think they are fine. The site most cited in this argument is Shadow Stats. Shadow stats made some claims regarding inflation which I (regrettably) bought into. The BLS later debunked these claims. For a summation of this situation, go to this link. I have not found a single article or paper from a person in the field of statistics or economics that makes a credible claim that the government statistics are so seriously flawed as to be devoid of any substance. In fact, after doing a search of the social science research network's paper database (www.ssrn.com) I could find no paper near that point. In addition, I'm a big consumer of the financial press and I have not seen any raging debate about government numbers. In short, if you are going to argue that the government numbers are flawed, please present credibly evidence -- not a website, not an "I just know it" argument. And Shadow Stats has already been debunked. Thursday Oil Market Round-Up The oil charts are very interesting largely because they are pretty conflicted. As always, click on all for a larger image. First, the bullish side. Prices are rising and the EMA picture points to higher levels. The 10 and 20 week EMA are moving higher, the 10 week EMA has crossed over the 50 week EMA and the 20 appears ready to do so. Now the bearish side. The RSI printed a lower number on the second price top and the MACD's upward trajectory is less. The first point is very concerning as it indicates recent prices are less technically strong than earlier prices. The MACD issue is one of subjective interpretation. I would like that angle to be higher as prices move higher. The daily chart is also split. The bullish side is that prices and the EMAs are increasing; the shorter EMAs are above the longer EMAs -- the most bullish configuration possible. However, despite the increase in prices, the RSI is not increasing. In fact, it has been posting moderate numbers throughout the recent rally. And as with the weekly chart, the MACD is is still in a weak uptrend. The central question with this chart is are we forming a double top? We're nearing the end of the summer driving season which is a traditionally bearish time. However, we've also seen some strong economic prints from other parts of the world. China and India never really hit a recession; Germany and France grew last quarter. All things are pointing to an increase in oil demand. The markets have been in a trading range since August 24. We have upside resistance at 104.26 and support at 102.5. There are no indications about where the market will move -- we get to wait and see. More Good Economic News Over the last few days we're seen come good economic reports come out. Let's go to the data (click on all pictures for a larger image). On the year over year price chart of the Case Shiller index we're still in negative territory. But, the rate of decline appears to be decreasing. This is a very important development as it indicates the price free-fall may be over. In addition, This is the second month in a row when we're seen the month to month price movements print around 0 or slightly positive. This is not a trend yet. But we're clearly moving in the right direction. From the Census Bureau: New orders for manufactured durable goods in July increased $7.8 billion or 4.9 percent to $168.4 billion, the U.S. Census Bureau announced today. This was the third increase in the last four months and the largest percent increase since July 2007. This followed a 1.3 percent June decrease. Excluding transportation, new orders increased 0.8 percent. Excluding defense, new orders increased 4.3 percent. Here is the chart: Notice that last month was a big jump. But even without transportation orders we still saw a big increase. And notice that year over year number has bottomed out as well. And finally we have this: Purchases of new homes in the U.S. jumped more than forecast in July, adding to signs that the economy is rebounding from the worst recession since the 1930s. Sales increased 9.6 percent, the most since February 2005, to a 433,000 annual pace, figures from the Commerce Department showed today in Washington. The number of houses on the market dropped to the lowest level in 16 years. The gain in sales, together with rising purchases of existing homes and steadying prices, indicate the housing slump may be ending as Federal Reserve efforts to thaw credit and the Obama administration's first-time homebuyer incentives lift demand. Job losses and mounting foreclosures mean any rebound in construction may be limited. "We're seeing a clear pickup in housing activity," said Michael Moran, chief economist at Daiwa Securities America Inc. in New York. "The correction phase is essentially over and we expect continued improvement, though not a vigorous pickup." Notice that the pace of home sales appears to have bottomed in the early part of this year and have been rising since. These are all good developments and add further credence to the bottoming argument. A Look At the CBOs Latest Projections Yesterday the CBO released its long-term budget outlook. It is a lengthy document that involves an area of economics that I find highly questionable: long-term projections. I understand why we must include them and why they are done, but I still find them questionable because they are 50+ year projections. Let's look at a key point: Basically, it's about spending on medical care. That is the primary driver for the increase government expenditures. That is also why it is imperative that we figure out a way to hold down costs. Let's look at some charts that highlight the problem. Click on all for a larger image Social security isn't the problem. It increases to roughly 6% of GDP and then remains stable. This is an entirely manageable situation. However, Medical costs -- the net total spending of medicare and medicaid -- continue to increase until they reach 18% near the end of the decade. That is obviously unsustainable and again highlights why reform is mandatory. I'm still working through the data. The CBOs information is here. Durable Goods Orders blow out to the upside Manufacturers' new orders for durable goods were reported up +4.9% by the Census Bureau, significantly higher than expectations. Last month's initially reported decline of -2.5% was halved to -1.3%. Beyond simply being one month of particularly good data, manufacturers' new orders are a component of the Leading Economic Indicators, and are now decisively higher than at any point since the end of last year. This also completes the third part of an important trifecta of LEI indicators -- more on that tomorrow. For those asking, "What will the economic recovery build upon?" we have at least part of our answer. It will be done the old-fashioned way, via manufacturing. Wednesday Commodities Round-Up The weekly agricultural prices chart is weakening. First, notice all the EMAs are now moving lower. The shift has been subtle but it's clearly there. EMAs smooth the price action so we can see in real time what the current short, medium and long-term trend line looks like. Here, all the trends are now moving lower. In addition, prices are now below the trend line that started in late 2008. That's negative as well. On the daily chart we see a very neutral situation. First, prices and EMAs are in a ntight range indicating a clear lack of direction While prices are still above a trend line, most of the price action has been to hug the line; an attempt to move above it could not be sustained. Clearly, traders are wondering where to move prices next. Today's Markets Above is a chart of the transportation average. I included it because it hasn't risen above previous levels. In fact it may be forming a double top. Notice that even though we are seeing second top, the underlying technicals of that top are weak -- the RSI is lower and the MACD is printing a lower number. That means the prices in the second top are weaker than the first which is not a good development. Bernanke To Get Second Term From the WSJ: Wall Street and academic economists in recent weeks showed enthusiasm for giving Mr. Bernanke a second term, and some administration insiders felt similarly even though Mr. Bernanke was appointed by -- and served in the White House of -- President George W. Bush. Appointing a Democrat such as Janet Yellen, president of the Federal Reserve Bank of San Francisco, or Alan Blinder, former Fed vice chairman -- both former advisers to President Bill Clinton -- would have been popular with many Democrats. But a move by Mr. Obama to install his own person at the Fed might have have rattled markets and unsettled the foreign investors. "I think this is a good thing for the markets," said Byron Wien, chief investment strategist at Blackstone Group. "Rather than going through a catechism of what Bernanke's done wrong, let's look at the net result. The economy is improving and the financial system is on the mend. It's a long way from perfect but it's also a long way from where it was a year ago." Sometime over the last six months I was re-reading the Depression section in Milton Friendman's A Monetary History of the US. There is a chapter called The Great Contraction which details the banking system problems of the 1929-1933 period. Essentially, there were three banking panics over that time period which essentially froze the US economy and led to a huge drop in GDP. This is what Bernanke was trying to avoid with all of his plans. And -- he's been successful as the economy is currently bottoming. The primary knock against Bernanke is he didn't see the mess coming. This is true. Oddly enough, the only people to see this coming were economic bloggers. There is a general train of thought going around that people who didn't see this mess shouldn't be involved in the clean-up. But frankly, Bernanke's outside the box thinking on how to solve the credit market problem should get solid marks. And the real grade should come in the performance of the credit markets since Bernanke's massive intervention. Interest rates are down. That tells us the risk premium has been priced at a far more normal level which is a damn good thing. Ben is one of the key players that has helped us to get out of the mess. He deserves a second term. From Invictus: CFNAI Update II Those who have followed me over at Blah3.com know of my affinity for the Chicago Fed's National Activity Index (CFNAI). I like it because it's an amalgam of 85 distinct data points that has a very good historical correlation to the ebbs and flows of the business cycle. The Chicago Fed describes it this way: "The CFNAI is a weighted average of 85 existing monthly indicators of national economic activity. It is constructed to have an average value of zero and a standard deviation of one. Since economic activity tends toward trend growth rate over time, a positive index reading corresponds to growth above trend and a negative index reading corresponds to growth below trend." (See here for a .pdf of the 85 components and their weightings.) The folks in Chicago also advise us to look at the 3-month moving average for a better take on what's going on with the economy. I posted here with an update to this week's CFNAI release, which printed at -1.69 (3-mo MA). This recession is the seventh covered by the CFNAI. Of the previous six, only three have seen the 3-month MA dip below -2.00, and our current recession hit -3.63 in January. So I thought it might be interesting to see what the prior deep (CFNAI breaches -2.00) recessions looked like in CFNAI terms. Here's what I found: The 1973 recession ended in its seventeenth month (March 1975) with the 3-month MA of the CFNAI at -2.96. However, although nonfarm payrolls printed -186k in April 1975, it printed +160k in May, and was off to the races starting in July. We're not there yet on employment. The 1980 recession saw the recession end with the 3-month MA at -2.20; the very next print was -0.89. Unfortunately, that recovery was unsustainable, and the economy slipped back into recession about one year later, with the 3-month CFNAI spending most of that time in negative territory and never moving above 1.17. For the three "deep" recessions, the average 3-month CFNAI value in the first month of recovery is -1.45: As I mentioned previously, I continue to be very concerned about sustainability, and strongly suspect the NBER is going to take its sweet time to make an announcement, as they need to be sure the economy is standing on its own two feet and not being propped up primarily by government largesse. Having said that, we appear to be on the cusp of moving toward a number that might signal recession's end – or at least a brief hiatus until its resumption. American Stupidity Ever wonder why America can't seem to shoot straight on some issue? Here's why: From the NY Times: Chinese companies have already played a leading role in pushing down the price of solar panels by almost half over the last year. Shi Zhengrong, the chief executive and founder of China's biggest solar panel manufacturer, Suntech Power Holdings, said in an interview here that Suntech, to build market share, is selling solar panels on the American market for less than the cost of the materials, assembly and shipping. So, that's the stage we're setting. There is an industry which is obviously going to be a tremendous driver of growth. But is the US a driver? No. Let's look at why: Backed by lavish government support, the Chinese are preparing to build plants to assemble their products in the United States to bypass protectionist legislation. As Japanese automakers did decades ago, Chinese solar companies are encouraging their United States executives to join industry trade groups to tamp down anti-Chinese sentiment before it takes root. This doesn't happen in the US. Why? There is a contingent of incredibly stupid people in this place called Washington. They typically have an "R" after their name. According to their political ideology, this is "picking winners" which the market is supposed to do. So, instead od pouring money into a sector that is growing we're left with nothing. But wait -- there's more: Since March, Chinese governments at the national, provincial and even local level have been competing with one another to offer solar companies ever more generous subsidies, including free land, and cash for research and development. State-owned banks are flooding the industry with loans at considerably lower interest rates than available in Europe or the United States. There is another party in the US called the Democratic party. And their vocal minority that seems to get all the press is very anti-business. Working with corporations is bad and evil; money was invented by Satan to corrupt our souls. Profits are terrible and horrible and should be avoided. This is why other countries get ahead of us. They don't listen to the screamers on either side of the political aisle. Treasury Tuesdays This is a very interesting chart. There are currently two key features. First, notice that the 91.5 level has offered a tremendous amount of resistance -- prices have approached that level three times in the last month of so only to be rebuffed. Secondly, notice that the EMAs are bunched together in a tight range and are tied together with prices. This tells us the market is pretty directionless right now. From a fundamental view, this directionless makes sense. There is a tremendous amount of supply coming to market which is adding downward pricing pressure. However, there is continued talk of the market's need to sell-off a bit, which would increase Treasuries appeal because of their safe haven status. In short, the cross currents are strong right now. OK -- it's yesterday's market. Anyway .... First, notice the market sold-off a bit from roughly the first week of June to the first week of July. What's interesting about this is no one is mentioning it, even though there is now current talk of the need for the market to sell-off a bit. Was this sell-off enough to scare out the less convinced traders? Who knows. But the point is maybe this blow-off was enough for the market to move higher. The upward move is still in place. It started in early July and shows no signs of abating. In addition, the MACD is about to give a but signal. All the EMAs are moving higher, the shorter EMAs are about the longer EMAs and prices are above the EMAs. The only bearish element to this chart is the RSI is dropping. However, no chart is perfect -- that is, not chart will ever give you a situation where it shows only buy signals. Bottom line, the percentages say we're moving higher. Long day -- just getting back. I'll post this in the morning. From Invictus: CFNAI Update CFNAI Update The Chicago Fed published its National Activity Index (CFNAI) this morning, and let's go straight to the video tape: The 3-month moving average printed at -1.69, up from last month's -2.18. We're getting there, but: 1) I would note that only once – in April 1975 – was the 3-month moving average -1.69 or worse (it was -2.24 that month) after a trough (e.g. on the upswing) with the economy out of recession. With the next print, if the trend continues, we might talk about the recession having ended this month. In the six previous recessions covered by the CFNAI, the average print in the last month of recession is -1.81, and the average in the first month of recovery (the following month) is -1.16. 2) I'm probably not alone in being worried about the sustainability of any recovery, and I'm sure the NBER is going to wait to see whether or not any recovery is, in fact, sustainable, or if we simply stagger along as various stimulants ("cash for clunkers," the $8,000 first-time homebuyer credit) wear off. 3) Closely related to #2, I'm concerned about the consumer's ability to re-engage and start spending on much more than necessities. So, through my lens, another improvement, another "less bad" print, but still premature to sound the all-clear. Party Like It's .... 1937 There's a great piece today in the WSJ about how the Federal government is studying the policy train wreck that was 1937 in order to prevent it from happening again. Basically, the government is studying how to take the current punch bowl away without killing the economy. Here are some key points: The economy was recovering briskly during Franklin D. Roosevelt's first term in the White House. The jobless rate, which had peaked at 25% in 1933, fell to 14% in 1937 -- not exactly cause for celebration but a relief nonetheless. The comeback stalled in 1937. Banks, nervous about the fragile recovery, were holding huge amounts of cash in reserve at the Fed. Fearing an inflationary surge should the banks decide to lend that money out to businesses and individuals, the Fed -- which had made the mistake of tightening monetary policy soon after the 1929 stock-market crash -- miscalculated again. The Fed ratcheted up banks' reserve requirements three times, starting in 1936. The banks reacted by cutting lending even further. "There's no doubt that [Fed Chairman Ben] Bernanke is heavily influenced by these two mistakes of the Fed during the Depression and is absolutely intent on not repeating them," says Alex J. Pollock of the American Enterprise Institute, a free-market think tank in Washington. Compounding the Fed's errors, the federal government tightened fiscal policy. Congress approved a big bonus for World War I veterans in 1936, providing a spark of consumer spending. But lawmakers allowed the subsidy to lapse in 1937. At the same time, the government began collecting the first Social Security taxes, on top of income and capital-gains tax increases that Mr. Roosevelt approved in 1934-35. Tightening the monetary and fiscal screws sent the economy into free fall again -- the second trough of the W. Unemployment shot up to 19%, prolonging the nation's suffering. There's a ton of very useful and historically important information here. 1.) GDP dropped from 1929-1933 but returned to 1929 levels in 1937. While unemployment was still high, notice that it did drop a solid rates. Bottom line, by 1937 we were on the right track. 2.) The Fed increased reserve requirements at exactly the wrong time. This point is often lost in history and is an incredibly important point. Politically charged analysis points to 1937 as a reason the government intervention failed. In fact, as classic monetary policy informs us, decreasing the money supply at the wrong time contracts the economy. 3.) In addition, note that tax policy is vitally important. Raising taxes during the middle of an economically fragile time is also incredibly stupid. The best time to raise taxes is when the economy is humming along and has been for at least a year. In addition, you can't just ratchet up tax rates; you have to do it gradually. Market Mondays The SPYs weekly chart is still very bullish. The MACD and RSI are still rising. The 10 and 20 week EMAs are increasing. The 10 week EMA has crossed over the 50 week EMA and the 20 is approaching that level. Finally, prices are above all the EMAs which will help to pull the EMAs higher. The daily chart is also showing bullish tendencies. First the price/EMA relationship is bullish. Prices are above the EMAs, all the EMAs are moving higher and the shorter EMAs are above the longer EMAs. In addition, the MACD is about to give a buy signal and prices have recently moved through key upside risistance levels. Also consider the following personal observation. Over the last few months there have been two times when the technicals lined up for a bearish move. Both moves failed. That does not mean my analysis was perfect by any stretch of the imagination. But I also wasn't the only one making the call or seeing things that was. The point is this is a market that wants to move higher. And it is on a regular basis. That is extraordinary.

21-Jul-2005 12:00 AM India's Jet Airways Q1 to June net profit rises 84 pct amid booming market BOMBAY (XFNews) - India's largest private airline, Jet Airways, said its net profit for the first quarter ending June rose 84 pct from a year earlier, amid a booming aviation market. Net profit for the quarter ending June increased to 953.4 mln rupees from 519 mln a year earlier, on revenue that rose 44 pct to 13.45 bln rupees from 9.36 bln rupees. The airline's management said it is confident that its newly-launched international operations will boost revenue growth. Jet Airways started international operations in the April-June quarter this year. "We expect our Southeast Asia operations (which include Singapore and Kuala Lumpur) to bring in 40 million dollars annually, while the US-UK operations are expected to bring in another 100 million dollars," Saroj Dutta, executive director and board member, said in an interview with NDTV television. "We will continue to operate as a premium brand but will not ignore the fast-growing lower income bracket," he added. The company listed in March after it sold a 20 pct stake or 17.2 mln shares. The initial share sale price was 1,100 rupees. Jet Airways stock closed up 22.5 rupees or 1.74 pct at 1,318 rupees on the Bombay stock exchange before the earnings announcement. Want More Analysis Like This?

Thank you for coming to our website in search for "Bloomberg Siacoin Auction" online. The sweetness of the cryptocurrencies is that scam was proved an impossibility: because of the nature of the method by which it's transacted. All transactions on a crypto-currency blockchain are permanent. After youare paid, you get paid. This is not anything shortterm wherever your customers may dispute or require a refunds, or employ unethical sleight of palm. In-practice, most investors could be wise to utilize a payment processor, because of the permanent nature of crypto-currency dealings, you should make sure that protection is hard. With any kind of crypto-currency may it be a bitcoin, ether, litecoin, or any of the numerous other altcoins, thieves and hackers might access your private secrets and therefore grab your cash. Unfortunately, you probably will never obtain it back. It's vitally important for you really to embrace some great safe and secure methods when coping with any cryptocurrency. Doing so may protect you from all of these unfavorable functions. In the case of the fully-functioning cryptocurrency, it may actually be exchanged as being a product. Advocates of cryptocurrencies say that this form of digital money isn't governed by a main banking system and it is not therefore subject to the whims of its inflation. Since there are a minimal amount of items, this coinis benefit is dependant on market forces, enabling entrepreneurs to business over cryptocurrency transactions. Cryptocurrencies such as Bitcoin, LiteCoin, Ether, The Affluence Network, and many others have now been designed as a non-fiat currency. Put simply, its backers contend that there's "real" worth, even through there is absolutely no physical representation of that worth. The worth climbs due to computing power, that's, is the only way to create new coins distributed by allocating CPU electricity via computer programs called miners. Miners create a block after a period of time which is worth an ever diminishing amount of money or some kind of wages to be able to ensure the shortage. Each coin consists of many smaller components. For Bitcoin, each unit is called a satoshi. Once created, each Bitcoin (or 100 million satoshis) exists as a cipher, which is part of the block that gave rise to it. The individual who has mined the coin holds the address, and transfers it into a value is provided by another address, which is a "wallet" file stored on a computer. The blockchain is where the public record of trades resides. The fact that there's little evidence of any increase in using virtual money as a currency may be the reason why there are minimal attempts to control it. The reason for this could be simply that the marketplace is too little for cryptocurrencies to warrant any regulatory effort. It is also possible the regulators just do not comprehend the technology and its implications, anticipating any developments to act. Mining cryptocurrencies is how new coins are put in circulation. Because there is no government control and crypto coins are digital, they cannot be printed or minted to create more. The mining process is what creates more of the coin. It may be useful to think of the mining as joining a lottery group, the pros and cons are the same. Mining crypto coins means you'll get to keep the full benefits of your efforts, but this reduces your odds of being successful. Instead, joining a pool means that, overall, members are going to have much greater chance of solving a block, but the reward will be divided between all members of the pool, predicated on the amount of "shares" won. If you are thinking about going it alone, it is worth noting that the software configuration for solo mining can be more complex than with a swimming pool, and beginners would be probably better take the latter path. This alternative also creates a steady flow of revenue, even if each payment is modest compared to entirely block the wages. Since one of the oldest forms of making money is in money lending, it truly is a fact that you can do that with cryptocurrency. Most of the giving websites currently focus on Bitcoin, several of those websites you might be required fill in a captcha after a certain time period and are rewarded with a small quantity of coins for visiting them. You can visit the www.cryptofunds.co website to find some lists of of these websites to tap into the currency of your choice. Unlike forex, stocks and options, etc., altcoin marketplaces have quite different dynamics. New ones are always popping up which means they don't have a lot of market data and historical perspective for you to backtest against. Most altcoins have somewhat inferior liquidity as well and it is hard to produce a reasonable investment strategy. This mining task validates and records the transactions across the entire network. So if you're trying to do something illegal, it is not a good idea because everything is recorded in the public register for the rest of the world to see forever. Cryptocurrency is freeing people to transact money and do business on their terms. Each user can send and receive payments in a similar way, but they also participate in more complicated smart contracts. Multiple signatures enable a transaction to be supported by the network, but where a certain number of a defined group of folks consent to sign the deal, blockchain technology makes this possible. This permits advanced dispute mediation services to be developed in the foreseeable future. These services could enable a third party to approve or reject a transaction in the event of disagreement between the other parties without checking their money. Unlike cash and other payment systems, the blockchain constantly leaves public evidence that a transaction happened. This can be potentially used in an appeal against companies with deceptive practices. Bitcoin is the principal cryptocurrency of the internet: a digital money standard by which all other coins are compared to. Cryptocurrencies are distributed, world-wide, and decentralized. Unlike traditional fiat currencies, there is no governments, banks, or some other regulatory agencies. Therefore, it truly is more resistant to crazy inflation and tainted banks. The advantages of using cryptocurrencies as your method of transacting cash online outweigh the protection and privacy threats. Security and seclusion can easily be reached by just being clever, and following some basic guidelines. You wouldn't place your whole bank ledger online for the word to see, but my nature, your cryptocurrency ledger is publicized. This can be fastened by removing any identity of ownership from your wallets and thereby keeping you anonymous. Only a fraction of bitcoins issued so far are available on the exchange markets. Bitcoin markets are competitive, which suggests the cost a bitcoin will rise or fall depending on supply and demand. A lot of people hoard them for long term savings and investment. This limits the variety of bitcoins that are really circulating in the exchanges. Additionally, new bitcoins will continue to be issued for decades to come. Therefore, even the most diligent buyer couldn't buy all present bitcoins. This scenario is just not to suggest that markets will not be vulnerable to price manipulation, yet there is certainly no requirement for big sums of money to transfer market prices up or down. The merest occasions on earth economy can affect the cost of Bitcoin, This can make Bitcoin and any other cryptocurrency volatile. When searching on the internet forBloomberg Siacoin Auction, there are many things to think about. Click here to visit our home page and learn more about Bloomberg Siacoin Auction. You are able to run a search on the web. First learn, then models, indicators and most importantly practice looking at old charts and pick out trends. Anytime you learn to keep a trading diary screenshots and your comment/forecast. Precisely what is the best way to get confident with charts IMHO. Oh certainly, and don't fool yourself into thinking that you acquire the uptrend will never go lower! Always will go down! You will discover that incremental increases are more reliable and profitable (most times) Entrepreneurs in the cryptocurrency movement may be wise to investigate possibilities for making gigantic ammonts of cash with various types of online marketing.There could be a rich reward for anyone daring enough to brave the cryptocurrency markets.Bitcoin architecture provides an informative example of how one might make lots of money in the cryptocurrency markets. Bitcoin is an extraordinary intellectual and technical achievement, and it has created an avalanche of editorial coverage and venture capital investment opportunities. But very few people understand that and lose out on very lucrative business models made accessible due to the growing use of blockchain technology. It should be difficult to get more little gains (~ 10%) throughout the day. Study the best way to read these Candlestick charts! And I found these two rules to be true: having little gains is more rewarding than attempting to resist up to the pinnacle. Most day traders follow Candlestick, so it is better to have a look at books than wait for order confirmation when you believe the price is going down. Second, there is more unpredictability and reward in monies that haven't made it to the profitability of sites like Coinwarz. It was in the year 2008 when the first cryptocurrency was created. This was the digital money referred to as Bitcoin. There are different from common money we know. This is only because they're not commanded by any country or authorities. They don't go through any third party. It was a huge breakthrough in the means of exchange. Additionally, it brought huge solutions to the issues of identity theft online. Trades go through several celebrations as a means of creating trust, but now it is possible to create trust through creation of a sophisticated code by just one party. If you are in search for Bloomberg Siacoin Auction, look no further than TAN. Ethereum is an unbelievable cryptocurrency platform, nevertheless, if growth is too fast, there may be some problems. If the platform is adopted quickly, Ethereum requests could rise drastically, and at a rate that exceeds the rate with which the miners can create new coins. Under such a scenario, the whole platform of Ethereum could become destabilized because of the raising costs of running distributed applications. In turn, this could dampen interest Ethereum platform and ether. Uncertainty of demand for ether can result in an adverse change in the economic parameters of an Ethereum based business which could result in business being unable to continue to run or to discontinue operation. For most users of cryptocurrencies it isn't necessary to understand how the procedure works in and of itself, but it's simply vital that you understand that there's a procedure for mining to create virtual money. Unlike currencies as we know them now where Governments and banks can just select to print endless amounts (I am not saying they're doing so, just one point), cryptocurrencies to be managed by users using a mining application, which solves the complex algorithms to release blocks of currencies that can enter into circulation. Many individuals prefer to use a money deflation, notably those that desire to save. Despite the criticism and disbelief, a cryptocurrency coin may be better suited for some uses than others. Monetary seclusion, for instance, is excellent for political activists, but more problematic as it pertains to political campaign funding. We need a secure cryptocurrency for use in trade; in case you are living paycheck to paycheck, it would take place as part of your riches, with the remainder earmarked for other currencies. You've probably seen this many times where you usually distribute the nice word about crypto. "It is not erratic? What goes on when the price accidents? " sofar, several POS systems gives free conversion of fiat, improving some concern, but before volatility cryptocurrencies is resolved, a lot of people will soon be unwilling to put on any. We need to discover a way to fight the volatility that's inherent in cryptocurrencies. The physical Internet backbone that carries information between different nodes of the network is now the work of several firms called Internet service providers (ISPs), which includes firms offering long-distance pipelines, sometimes at the international level, regional local conduit, which ultimately connects in households and businesses. The physical connection to the Internet can only happen through one of these ISPs, players like level 3, Cogent, and IBM AT&T. Each ISP runs its own network. Internet service providers Exchange IXPs, owned or private companies, and sometimes by Authorities, make for each of these networks to be interconnected or to transfer messages across the network. Many ISPs have arrangements with providers of physical Internet backbone providers to offer Internet service over their networks for "last mile"-consumers and companies who want to get Internet connectivity. Internet protocols, followed by everyone in the network makes it possible for the info to flow without interruption, in the appropriate place at the perfect time. While none of these organizations "owns" the Internet collectively these companies determine how it works, and recognized rules and standards that everyone stays. Contracts and legal framework that underlies all that's taking place to discover how things work and what happens if something goes wrong. To get a domain name, for instance, one needs consent from a Registrar, which includes a contract with ICANN. To connect to the Internet, your ISP must be physical contracts with providers of Internet backbone services, and suppliers have contracts with IXPs from the Internet backbone to connect to and with her. Concern over security problems? A working group is formed to focus on the problem and the solution developed and deployed is in the interest of all parties. If the Internet is down, you might have someone to call to get it fixed. If the issue is from your ISP, they in turn have contracts set up and service level agreements, which govern the manner in which these problems are resolved. The advantage of cryptocurrency is that it uses blockchain technology. The network of nodes the make up the blockchain isn't governed by any centered business. No one can tell the miners to upgrade, speed up, slow down, stop or do anything. And that's something that as a dedicated promoter badge of honor, and is identical to the way the Internet works. But as you understand now, public Internet governance, normalities and rules that govern how it works present constitutional difficulties to an individual. Blockchain technology has none of that.

Check out this bit from my next novel, a war story. There's a zillion things I could say about music and writing (or exercise, or escape, etc.) but, for now, I'll just include this song, "Check My Brain" by Alice In Chains. Awake at 4:45 this morning and at my laptop at 5:03. Why? Why do it? I'm going to be dog-tired this afternoon. It'll be a little tougher during a workout. I may get short with the kids (still off for the Silly Season break). I'll definitely be yawning when I read them tonight, in another 13 hours. I'm always yawning these days. Why do it? Because my fourth novel "Tempest Road" is a bit of a mess and I'm excited about correcting it. Because the work needs full attention before kids roam the house. Because my various to-do lists – that amorphous storm of obligations and desires – will be calling once the sun is up. Tired and groggy and inspired (or not) this is my time. And it may be all the time I have. Idly watching a plane slide across the clouds, George works on a piece of spinach stuck in his teeth. The Thai food was a good pick for lunch. Of course, he didn't know that, two hours later, he'd be here, in this conference room. Behind him, a tidy packet of paper sits stapled on the mahogany table. His signature is needed on the last page. "Sorry about the wait," Colleen says, closing the door softly. "M-hm," George says, turning to face this woman. In a scarlet dress with what one would call a plunging neckline, Colleen is a stunning vision at 50. Or she could be–if not for this. She slides into a chair and gestures to the one near her, malice in an open, upturned palm. George decides to keep things civil, or moderately civil. Colleen says nothing. George's eyes float over her knees and crossed legs, up to the diamonds in the choker at her throat. It all seems wrong. At least her earrings don't have feathers, some other gaudy attempt at allure. Another moment passes in silence and stillness. Finally, in response, she slides the papers closer to him. The severance agreement includes six months' salary plus two thousand shares of company stock. The company thanks you for the years of shepherding and bleary eyes and blood. Defeated, eyes once again returning to the diamonds at Colleen's throat–to the canines concealed behind her smirk–George reaches for the pen. I hate the self-promoting thing, I really do. But it's nice to share good news, that validation that us writers really need. "The Churning" is getting positive reviews, averaging 4.9 stars on Amazon, wa-hoo! Maybe, after all these years of mistakes, blunders, self-fouls, etc., I know what I'm doing. Check it out (cheaper than a latte, I should add).

Olympic and National Team Coach for Australia; has coached a Gold Medalist in every World Championships since 1998 to 2009 ( 6 consecutive World championships).World renowned swim coach Ian Pope presents the technique, drills and skills he uses to train world class swimmers. Pope acknowledges that this stroke is perhaps the most difficult to coach as the key to success hinges upon great timing and good technique. Pope starts his breaststroke analysis by showing how to attain the proper body balance to produce a forward-focused stroke. From the streamlined body position, he details the arm action sequence that is necessary to anchor with the hands and arms that allows for the connection from the core through the body. Pope presents the concept of driving the core to the hands from the anchor position on the insweep before releasing the hands into the stroke recovery. Pope next dissects the hand, head and body connection that allows the swimmer to drive forward on a straight line back into the base starting position of the stroke. This stroke analysis provides the base for the drills that train each aspect of the stroke. Arm Action Drills: Get a 10-drill progression for the arm action of the breaststroke that will assist your swimmers in developing a better feel for the stroke. Kicking: Pope provides an on-deck demonstration of the key components of the breaststroke kick, showing how to maximize power in the movement. He demonstrates 13 drills to train and enhance the kick. Timing: Pope shares strategies to enhance flow and length of the stroke. Starts: Learn the mechanics of the block start along with the nuances for the breaststroke-specific start. Underwater Pullout: Maximize your power and distance of off of starts and turns. Turns: See a three-drill progression to teach the breaststroke turn. These drills reinforce a tight, tuck-fast spin incorporating quick hand action. All essential skills for a fast breaststroke turn. Finishes: Pope teaches the techniques for a favorable finish position. Speed Development: Pope shares techniques he uses to train breaststroke speed before reviewing all aspects of the full stroke. Pope concludes the DVD by going on deck with a group of young swimmers to show how he approaches teaching breaststroke to age groupers. This segment offers a great look at implementing drills and techniques to effectively teach and coach less experienced swimmers. Ian Pope has coached world class swimmers such as Marieke Guerher, Michael Klim, Matt Welsh, Grant Hackett, and Matt Targett. Now you can bring Pope's proven techniques to your pool!

French law provides for a prohibition in principle to exclude a shareholder, which is nevertheless subject to exceptions. First, as regards listed companies, for a controlling shareholder to implement a squeeze-out following any public offer, shares of the target held by minority shareholders should represent not more than five percent of the shares or voting rights. Secondly, in the case of an non-listed company, only an express stipulation of the shareholders' agreement may justify the exclusion of the minority shareholder. Egyptian law does not recognize squeeze-out mechanisms. As such, no mechanism is available to compulsorily acquire minority stakes. 100% control can be achieved contractually under a merger, equity acquisition or upon the terms of a scheme of arrangement, each as described above. 100% control may also achieved by a bidder availing themselves of the statutory squeeze-out provisions as more particularly described above. Art. 111 of the Consolidated Financial Act contemplates a "squeeze-out" provision that applies each time that – following the launch of a takeover bid for all of the outstanding voting shares of the target company (whether the takeover bid is voluntary or mandatory) – the bidder holds at least 95% of the voting rights. Under this rule, a bidder in this condition has the right to purchase the remaining shares of the target company within three months from the expiry date of the offer, provided that the bidder asserted its wish to do so in the offer document. Conversely, no mechanisms exists for compulsory acquisitions of minority stakes in privately held companies. A bidder can effect a compulsory purchase or squeeze-out of the minority shareholders in the target. Where the target is a Takeover Regulations company, the bidder can squeeze out the minority shareholders where it has received 90% acceptances both in value and voting rights of those shares that are subject of the offer. Where the target is a non-Takeover Regulations company, the bidder can effect a squeeze-out where it has received 80% acceptances in value within four months of the terms of the offer being published. Under Brazilian Corporate Law, if less than 5% of all shares issued by the target company remain outstanding in the market after the De-listing Tender Offer auction, the target company shareholders may approve the redemption of such shares ("squeeze out") based on the price reached in the De-listing Tender Offer, provided the company deposits the amount owed to the minority shareholders with a banking institution duly authorized by the Brazilian securities and exchange commission (CVM). ii. where the offeror holds or has irrevocably agreed to acquire, following the acceptance of a takeover bid, securities in the offeree company representing not less than ninety per cent (90 %) of the capital carrying voting rights and not less than ninety per cent (90 %) of the voting rights included in the takeover bid. Schemes approved by 75 per cent of shareholders (or creditors) are binding on all shareholders (or creditors) and either by the order sanctioning such scheme or a subsequent order, a court can make provision for the transfer of a company's undertaking or its shares, pursuant to such scheme. In addition, the approval of an offer to buy the shares of a public company by 75 per cent of shareholders within four months of such offer will give rise to a right on the part of the acquirer to compulsorily acquire the shares of dissenting shareholders upon notice within two months, subject to any objection proceedings. Under Law 2190/1920, a majority shareholder that maintains 95% or more of the company's capital has the right to enable the acquisition of the remaining share capital. A squeeze-out right is available to majority shareholders that, following a takeover bid, hold 90% or more in a listed company, for a consideration equal to the one contained in the takeover bid. Squeeze-out mechanisms are available under German law following a successful acquisitions of shares in a company. The takeover related squeeze-out option allows a bidder who acquires at least 95% of the target's voting share capital to purchase the remaining voting shares within three months following the expiry of the acceptance period by filing an application to Frankfurt am Main District Court. In this case, the consideration offered under the tender offer is deemed to constitute an appropriate cash compensation under the squeeze-out procedure, provided that the bidder has acquired shares constituting 90% or more of the registered share capital of the target as result of the tender offer. No formal shareholders' meeting is required. Corresponding to the takeover-related squeeze-out, the minority shareholders of the target have a put right if the above described conditions for a takeover-related squeeze-out are met. Practically, this results in an extension of the acceptance period by additional three months if the bidder acquired shares with a total value of at least 95% of the registered share capital of the target. Such procedure is uncommon as bidders usually fail to reach a shareholding of 95% after the offer. the required squeeze-out resolution is made within three months following the signing of the merger agreement. The squeeze-out compensation is based on the current value of the target pursuant to a formal fair market valuation of the target. The resolution and the valuation may be challenged by minority shareholders. The bidder may also utilize the traditional corporate squeeze-out procedure at any time following the bid if it owns at least 95% of the registered share capital of the target (including non-voting shares). However, this procedure requires a shareholders' resolution. The squeeze-out compensation is based on the current value of the company pursuant to a formal fair market valuation of the target and must be paid as cash compensation. The resolution and the valuation may be both challenged by minority shareholders and are subject to a lengthy judicial review, which usually delays the implementation of the squeeze-out. No. No such mechanism exists in Vietnam. Upon completion of a tender offer, the bidder has basically to means to squeeze-out minority shareholders. Under FMIA, the bidder holding 98% of the voting rights of the target can apply for a court decision cancelling the remaining equity securities of the target against the same consideration as offered under the offer. The request must be made within three months of the offer's additional acceptance period. The proceedings are generally uncontroversial as minority shareholders' defense possibilities are very limited. In particular, minority shareholders cannot object to the price they obtain. In addition, the Swiss Merger Act allows an offeror to complete a squeeze-out merger if it holds 90% or more of the voting rights of the target. In such a case, minority shareholders can be forced to accept cash or any other merger consideration in exchange for their target shares. However, in case of a squeeze-out merger, minority shareholders have appraisal rights. The Swedish Companies Act provides for a squeeze-out mechanism including both a right for the minority owners to sell and the majority owner to purchase minority shares in a company in case one shareholder's ownership exceeds 90 per cent of the shares in the company. There is none. The Philippines has no squeezed-out mechanisms as they are known in other jurisdictions. Section 103 of the Companies Act, provides that holders of 95% or more of the shares of a Company may compulsorily acquire the remainder. The principal difference between section 103 and section 102 is that a dissentient in section 103 can only apply to court to appraise the value of its shares. It cannot seek to vitiate the compulsory acquisition. The English case law on equivalent statutory provisions will be persuasive in Bermuda courts. English case law is such that a minority shareholder will find it very difficult to persuade the Court that on offer accepted by a majority of 95% is not reasonable and fair. Squeeze out mechanisms are available for controlling shareholders that are in control of the company, directly or indirectly holding no less than 90% of the shares and voting rights. A squeeze out of minority shareholders is not designed to be exercised at the controlling shareholder's sole discretion. The TCC permits squeeze outs only where the minority acts in bad faith, adversely affects the functioning of the company, or acts recklessly. The TCC also provides an exit opportunity for minority shareholders of publicly traded companies at the closing of "material transactions", where a merger is defined as a material transaction. Shareholders objecting to material transactions at the shareholders meeting are allowed to exercise a buy-out right and exit the company. In other words, dissenting shareholder have the right to sell their shares to the company and the company is required to buy these shares accordingly. Shareholders who do not exercise these buy-out and exit rights are entitled to receive shares in the surviving company in proportion to their shares in the dissolving company. II. where the acquisition is effected pursuant to Section 129 of the ISA, the bidder can effect a squeeze-out within two months of the expiry of the four-month offer period, where it has received the acceptance of the contract by not less than nine-tenth in value of the shares whose transfer is involved. Such approving shareholders must not be less than three-quarters in number of the holders of the shares the acquirer seeks to acquire.

shareholder who is entitled to deal with them in any manner as he thinks fit. capital, denoting the holder's proportionate financial stake in the company. element from the bundle of rights. meeting, can that be called separation of voting rights and ownership rights? the meeting, the power of attorney shall stand revoked thereby. otherwise are transferred to the pledgor. the case of Mohini Mohan Chakravartty v. receive any dividend on the shares. of shares of their listed entities. making public announcement as well. the promoter and promoters group by virtue of the change in the Takeover Code. n Cousins v. International Bricks Co. Ltd., (1931) 2 Ch 90 at 101: (1932) 2 Com Cases 108 (CA) it was discussed that a shareholder may give an irrevocable power of attorney to a person to cast votes on his behalf in the general meeting and also sign proxy forms on his behalf as constituted attorney. The constituted attorney's position is that of a proxy and he can attend and vote at the meeting. If the shareholder himself attends the meeting, the power of attorney shall stand revoked thereby. Was it really construed to be an irrevocable power or revocable (at the instance of shareholder himself/herself attending the meeting)? Great, but clarity on finer points would be much appreciated. ^^^^ Since the power of attorney was revoked by the shareholder attending the meeting, definitely it was held to be a revocable power of attorney. If you could please clarify the as to when 100% voting rights in a company A are transferred in favor of company B without transfer of shares,does this mean latter becomes the subsidiary of former. The above transfer happens in pledge of 100% shares of company A with company B. On a plain reading of the Companies Act, a company (B) exercising 100% voting rights in another company (A) may make A the subsidiary of B. This is because section 2(87)(ii) uses the words "exercises" or "controls" more than half of the share capital of the company. This could arise if voting rights are handed over without a transfer of the shares. Moreover, the other test in section 2(87)(i) is that whether B has the ability to control the composition of the board of directors of A, which is will have due to the voting rights it has obtained although it does not own the shares. These are just some preliminary thoughts. In case any of the readers have a different view point, please feel free to express the same.

clients(at)lawfirmgeorgia.com Company Register in Georgia Types of Companies in Georgia Company Act in Georgia Public Registry in Georgia Virtual Office in Georgia Open a Limited Liability Company in Georgia Establish a Branch in Georgia Set up a Subsidiary in Georgia Liaison Office in Georgia Holding Company in Georgia Open a Travel Agency in Georgia Open a Recruitment Company in Georgia Open a Restaurant in Georgia Open a Pharmaceutical Company in Georgia Open a Foundation in Georgia Open a Website in Georgia Creating a Publishing Business in Georgia Set Up Poti Free Zone Company in Georgia Open a Company in Kutaisi Free Zone in Georgia Tbilisi Green Free Industrial Zone – Airport City The Minimum Share Capital for Opening a Company in Georgia Opening a Bank Account in Georgia Obtaining Construction Permits in Georgia Types of Investment Funds in Georgia Purchase a Company in Georgia Open a Company in Agriculture in Georgia Open a Company in Construction Sector in Georgia Set up an IT Company in Georgia Set up a Trust in Georgia Open a Shop in Georgia Set up a Cryptocurrency Company in Georgia Open a Financial Company in Georgia Set up a FMCG Company in Georgia Special Permits and Licenses in Georgia EORI Registration in Georgia Open a Franchise Business in Georgia Set up a Healthcare Business in Georgia Company Formation Services in Tbilisi Company Formation Services in Batumi Company Formation Services in Kutaisi Company Formation Services in Rustavi Business Start-up Costs in Georgia VAT in Georgia Tax Minimization in Georgia Taxation in Georgia Accounting in Georgia Why is Georgia an Attractive Destination for Investors? Legislation Related to Foreign Investments Imports and Exports in Georgia Credit Rating of Georgia Workforce in Georgia Selling Tobacco in Georgia Obtaining a Work Permit in Georgia Obtaining a Residence Permit in Georgia Obtaining a Visa for Georgia Invest in Georgia Trading in Georgia Relocate to Georgia Foreign Investments in Georgia Law Firm in Georgia Litigation Attorneys in Georgia Legal Services in Georgia Close a Company in Georgia Purchase a Property in Georgia Legislation Related to Commercial Activities in Georgia Real Estate Due Diligence in Georgia Employment Law in Georgia Land Registry in Georgia Intellectual Property in Georgia Civil Law in Georgia Power of Attorney in Georgia Arbitration Court in Georgia Updated on Friday 23rd October 2020 Foreign businessmen who want to open a company in Georgia can select one of the company types that are prescribed under the country's national legislation. The investors may choose between companies with limited liability, joint stock companies or partnerships. The partnerships that can be set up in Georgia are available as limited partnerships or general partnerships. Also, foreign companies may enter the local market by opening a subsidiary or a branch office and our team of specialists in company registration in Georgia can provide in-depth assistance on these business structures. How can an investor register a Georgian company? All the Georgian legal entities must be registered with the National Agency of the Public Registry (Georgia company register) subordinated to the Ministry of Justice in Georgia. The National Agency of the Public Registry falls under the supervision on the Ministry of Justice. Georgia company register was set up under the Law of Georgia on State Registry, which was adopted in this country on 1st of June 2004. The Public Registry is responsible for the registration functions and tax services (front office), official property registrations, taxes on property, movable and immovable property, entrepreneurs and non-entrepreneurs (non-commercial) legal persons, geodesy and cartography. The main ideas sit on the foundation of a centralized registration system; Georgia company register performs a coordinated activity with customers and partners. Investors can request more information on the procedures that have to be followed when registering with the National Agency of the Public Registry (NAPR) from our team of specialists in Georgian company formation; our consultants can provide step-to-step advice in matters concerning the registration of a local business, but they can also assist on the formalities of registering a property with the institution. The registration of the companies is based on a signed and notarized application. The application must include a set of information, such as the name of the company, the type of company, its address, the purposes for which it was set up as well as the following: • date of starting the business and a notarized copy of the company's statutory documents; • providing information on the founder of the company (name, address, place of birth and the profession), • the amount of share capital and details regarding the contribution of each partner; • documents regarding each member of the supervisory board and management board. The application must be accompanied by the charter of company, the documents showing the value of the contributions made in kind, a proof from the Information Center of the Ministry of Internal Affairs that the persons appointed to represent the company are not subject to penalty for proprietary offences, the documents of appointment of the directors and members of the councils. If necessary, all the documents must be accompanied by the notarized and legalized translation into Georgian. A registration fee must be paid before the company is registered in the Entrepreneurial Register. After submitting all the above mentioned documents along with the proof of registration fee payment, the company will receive an identification number and a certificate of state and a tax registration; our team of specialists in company formation in Georgia can provide more details related to this matter. The fee ranges from GEL 100 in the situation of the standard registration, but the investors may opt for a faster registration, in which case they will have to pay a fee of GEL 200. The last step before starting the actual economical activity is opening a bank account. The registration with the Georgia company register lasts 1-2 days. Documents to be submitted with the Georgia company register when starting a business In the above section, we have added a short presentation on the basic documents an investor should submit with the Georgia company register when opening a company in Georgia. However, the list of documents and procedures that have to be followed is more complex, depending on the type of company selected for registration. Below, we present some of the basic steps that have to be concluded when opening a Georgian limited liability company, which is a common way to start a business here: • investors must pay a fee of GEL 100 or GEL 200 (for the standard or expedited registration procedures) with the NAPR; • the company has to be registered with the Entrepreneurial Register, a procedure which is done through the NAPR; • the company must obtain an identification number and a certificate of state and tax registration; • the company must also register for value added tax and for these procedures, specific documents have to be submitted; • investors must prepare a certified application for registration and a certified memorandum of association; • it is also necessary to add to the file the certified consent of the owner of the premises where the business carries its operations, which states that the premises can be used as the company's official business address. Besides these, Georgia company register expects investors to offer additional information; the full list of the information that must be disclosed with the institution can be presented by our team of consultants in company registration in Georgia. However, it is necessary to find out that businessmen have to provide additional contact information (e-mail address and a separate address, different from the one where the company develops its activities). One of the aspects that have to be completed during the procedure of company formation in Georgia is to set up a corporate bank account. According to the Georgian legislation, investors can deal with this procedure during the registration of the company with the Georgia company register. What is the basic data one should know on the Georgia company register? The National Agency of the Public Registry (NAPR) represents a government agency, which, in Georgian, is named Sajaro Reestris Erovnuli Saagento. The agency is located in Tbilisi, the capital city of Georgia, and, besides the above mentioned responsibilities, the institution in is charge with matters such as: satellite imagery, aerial photography or thematic mapping. Other basic data regarding this institution is presented below: • the National Agency of the Public Registry in Georgia was set up in 2004; • the Georgia company register has a staff that is formed of 1,370 persons; • the annual budget the institution receives is EUR 10.2 million; • in 2017, it implemented a reform on land registrations, which had a positive effect on the number of properties registered with the institution; • up until 2017, the institution had more than 400,000 land plots registered in its database; • at the level of 2017, the institution had 783 dispute cases regarding local properties that were resolved through mediation. Why register a Georgian limited liability company? A limited liability company (LLC) is formed by maximum 50 shareholders and the capital is divided into shares. The advantage of a Georgian LLC is given by the fact that the investors will be liable for the company's debts only to the amount of the shares they own in the company. The shares are freely transferable and the members of the company are not allowed to withdraw. Other characteristics of the LLC are the following: • it is the most common type of business registered in Georgia, preferred by both foreign and local businessmen; • the LLC can be set up by natural persons, but legal entities are also allowed to register this business form; • the share capital of the LLC is divided into shares and the investors can't issue additional shares; • the registration of this business form can last approximately two weeks. Can foreigners access the data stored by the Georgia company register? One of the legal matters that are handled through the Georgia company register is the registration of a property. Most of the data stored by the institution is available for the general public, but such information is limited only to specific aspects. Starting with 2015, the institution allows foreigners to verify various information on the Georgian properties; our team of specialists in company registration in Georgia can assist with more information on the procedures for purchasing or renting real estate properties in this country. This was a direct consequence of the fact that the Georgia company register became part of the European Land Information Services Association (EULIS). The latter represents an organization that offers reliable information on the European properties, but only to its subscribed customers, which are represented by entities such as banks, lawyers, real estate agents and others. How to check information from the Georgia company register? The information registered in the National Agency of the Public Registry of Georgia may be checked online, through the Public Service Hall. The information may be requested on the basis of a standard application (filled in front of the officer) and an ID copy. Also a fee payment is requested. This fee depends on the number of days allowed to release the information. Usually the longest term is four days. The information regarding the registration of the companies is public, but in certain cases, specific information is considered confidential, such as the state secrets or personal information considered confidential by the Georgian legislation. Foreign investors who want more information about the Public Registry may contact our company formation agents in Georgia. What are other popular business forms in Georgia? The joint stock companies are business forms with the capital divided into shares with equal nominal value and this type of legal entity can be registered with more than 50 members. The members of the joint stock companies have the responsibilities limited to the nominal value of their shares and it is important to know that the investors of this type of company may issue additional shares. A general partnership in Georgia can be incorporated by minimum two partners, who have equal liability for the company's profits and losses. They both have decisional powers. In the case of a limited liability partnership in Georgia it is also necessary to associate at least two partners, with the difference that one will have the quality of a general partner, while the other will be a limited partner. The general partner carries the full responsibility for the company's debts and incomes, unlike the limited partner who has limited responsibilities in extend of his/her contribution to the company's capital. Furthermore, foreign investors can operate on the local market through a branch office, which is a type of company that is managed and controlled by the foreign company abroad. In this case, the parent company is held responsible for any debts and financial difficulties related to the branch office registered in Georgia. The branch office does not represent a legal entity in itself, as it is just a sub-division of the parent company. One of the advantages of opening a branch office in this country refers to the fact that the investors will have lower initial costs related to the registration of this type of entity. When opening a company in Georgia as a branch office, the following steps will have to be concluded: • provide a decision of the parent company related to the registration of a branch office in Georgia; • provide the parent company's statutory documents and a proof regarding that the parent company is a registered entity in its country of origin; • a decision which states the name of the appointed director of the branch office or of any other legal representative which has the right to represent the office in Georgia; • an evidence regarding the company's registered address in Georgia; • the identification documents of the branch's appointed director and an evidence regarding the payment of the registration fee. How can an investor open a bank account in Georgia? As mentioned earlier, it is necessary to open a corporate bank account for a newly formed business, this being one of the compulsory steps of the procedure of company formation in Georgia. This procedure can be completed in only one day, in the situation in which the investors have prepared the necessary documents. Some of the important aspects related to the registration of a corporate bank account are presented below: • the procedure will incur the payment of a small fee, which ranges from GEL 10 to GEL 100, depending on the fees established by each commercial bank; • the investors will need to provide the company's tax registration certificate; • it is also necessary to provide copies of the identification documents of all the persons that can represent the company; • it is also compulsory to offer a signature sample of the company's director. What are the main VAT obligations in Georgia? Any company that develops commercial activities in Georgia is required to pay the value added tax (VAT), unless the service or the product provided by the company is exempted from this type of tax. The tax regulations in Georgia stipulate that a local business has to register for VAT purposes once the company's annual revenues are of minimum GEL 100,000. Are there any tax incentives for Georgian based companies? Yes, companies in Georgia can obtain a set of tax incentives, including for trading matters. It is necessary to know that Georgia benefits from several regions which provide a special tax treatment, known as free zones, more exactly, free industrial zones. Our team of specialists in company registration in Georgia can assist with in-depth advice on how to start a business in the country's free zones and can provide advice on the types of business activities that are accepted in such special regions. Thus, persons who are interested in starting the procedure of company formation in Georgia can obtain relevant tax deductions if they set up their businesses in the regions of Tbilisi, the capital city, and the cities of Kutaisi and Poti (the latter being a seaport). One of the main advantages of opening a company in Georgia in its free zones refers to the tax exemptions that can be obtained by local and international businesses. For example, in the country's free zones several taxes do not apply, as it is the case for the corporate income tax or on the taxes on trading; also, companies can benefit from lower value added tax rates. Amongst the types of activities that can be developed in such regions we mention the following: consulting activities, financial activities, manufacturing or construction; our representatives can offer more information on other tax incentives and benefits that can be obtained when conducting a business in these free zones. Who can start a sole trader in Georgia? Another way to start a business in Georgia is by opening a sole trader (known as individual entrepreneur). The sole trader represents the simplest way to open a company in Georgia and it is recommended for small businesses. The main characteristic of the sole trader is that the company is represented by a single founder, who develops a business activity in his or her name. The downsize of the type of business form is given by the fact that the owner of the company is personally responsible with his or her own assets in the situation in which the company has any financial difficulties, as there is no distinction between the owner and the company; the sole trader can also be registered by foreigners. Information regarding the Georgian economy Georgia is situated in a strategic area, connecting Asia to Europe, and this offers the country a competitive advantage - it is seen as a desirable location for foreign investors. The well developed infrastructure helps the import and export of goods all over the world. Georgia is also known for its various reforms made in all the sectors, in its attempt to attract foreign investments. The financial system is encouraging - even though in 2004 there were 21 taxes, the number of them has decreased to only six. The VAT is imposed at a rate of 18%, the corporate tax rate is established at a rate of 15% and dividends distributed by a company are subject to a 5% dividend tax rate. Another reason why the investors are interested in opening companies in Georgia is the simplified registration procedure of a business. The process of registration of a new company doesn't take longer than two days, as mentioned above, but the entire registration process can take longer, if we consider the registration with the local institutions, obtaining specific business permits and other necessary steps. The Georgian workforce is well trained and the country is situated on the 1st place in the world in the Adult Literacy Rate indicator (with a rate of 100%). The country also benefits from a young workforce and this can provide numerous advantages to foreign businessmen who are seeking to expand on this market. For more details regarding the registration of a company in Georgia, we invite you to contact our specialists in company formation, who can offer further information on any aspect concerning the registration procedure. Investors may also request assistance on the tax regulations applicable to a specific business structure. Meet us in Tbilisi Call us now at +995 595 11 88 22 to set up an appointment with Valeri Bendianishvili, one of our specialists in company formation in Tbilisi, Georgia. Alternatively you can incorporate your company without traveling to Georgia. As a Business Setup Georgia LLC client, you will benefit from the joint expertize of local lawyers and international consultants. Together we will be able to offer you the specialized help you require for your business start-up in Georgia. Opportunities in the Hotel Industry in Georgia Infrastructure Project for the Gudauri Touristic Region Georgia Will Build the First High-Tech Center in Tbilisi China, an Important Trading Partner for Georgia EIB Provides EUR 100 Million for Georgian SMEs and Infrastructure Copyright © 2011 - 2021 Company Formation Georgia. All rights reserved. [email protected] VAT Registration in Georgia

(Oslo, 21 March, 2015) Herkules IV has entered into an agreement to acquire the SaaS1 provider Admincontrol from its founders. Admincontrol is a leading provider of cloud based secure board portal solutions and virtual data room solutions in the Nordic countries. Admincontrol was established in Norway in 2005 by SaasGarden and has at present implemented ~850 recurring board portal customers in six countries. Since inception, Admincontrol has delivered profitable growth, and the company continues to deliver more than 50% annual y/y sales growth. Admincontrol has built a large blue chip customer base across the Nordic countries. With approximately 40 employees, the company serves major private and public organisations that value confidential collaboration on and handling of corporate documents. Admincontrol's technology is a scalable platform that enables multiple best practice solutions for corporate governance. It facilitates secure sharing and collaboration between key stakeholders in an organisation, such as board members, shareholders, auditors and management, through a family of bespoke solutions built on a shared core technology. The Admincontrol platform is cloud based and accessible anytime anywhere, online and offline, via PC, MAC or iPad. Users will have access to all historical documents, notes and collaboration details, on all devices. "Admincontrol has established a strong position in a fast growing niche market with increasing penetration levels. The robust business model, geared for further growth and with attractive scale economics, is an exciting platform to build on and invest in", says Patrik Bø Egeland, Partner at Herkules Capital. Christian Petersen, CEO, says: "We are looking forward to continue to grow Admincontrol together with the Herkules team. We will now be able to have even more focus on developing our products and services, and we are excited about the benefit this will bring for existing and new customers. Today, our stronghold is in Norway, and we have attractive positions in Denmark and Sweden. Focus going forward is continued growth in the Nordics, however, I am convinced that the solution has significant international potential". The transaction includes acquisition of all shares in Admincontrol AS from the founders of the company, SaasGarden AS (56%), and management, employees and financial shareholders. Employees will reinvest and continue as owners alongside Herkules Private Equity Fund IV. Closing of the transaction is planned to take place in April 2015. Admincontrol offers web-based solutions for secure and user friendly sharing of information in business critical processes. Since 2005, Admincontrol has developed secure solutions for use in connection with board and management work, due diligence, tender processes and projects. Admincontrol improves, simplifies and enables systematic dialogue and collaboration between the board of directors, the management and other internal or external stakeholders. For more information, please see www.admincontrol.com. Herkules is a leading Private Equity firm in Norway and has raised funds with committed capital totalling approximately NOK 15 billion. We invest in companies located in the Nordic region, primarily in Norway, and acquire majority interests in established businesses with strong growth potential. We have a proven experience in working in partnership with existing shareholders. Our approach to ownership is industrial and long term, and is built on fundamental respect for the history, culture and experience within each individual company. More information can be found on www.herkules.no.

Zoopolis The Someday Shelf What is a "zoopolis"? Tag Archives: jian ghomeshi Big Picture, Feminism, Lake Erie Lowlands Jian Ghomeshi, eh? October 30, 2014 Andrea McDowell 6 Comments I'm not going to share (many of) my own thoughts. Instead I present for you, a massive collection of the thoughts of other people on this story. No, it's not sewing related. But who can think of sewing at a time like this? OK, yes, I can. But not yet. Background, for those of you thinking "Jian who?" or "don't you mean John?" Though at this point, that might be two people total in North America: Jian was a popular radio broadcaster at our national public broadcasting corp, CBC. He's got quite a fan following. Last week we heard he was taking extended leave for "personal reasons." On Sunday, CBC said they fired him because of "information" that had come to light. Late Sunday, Jian published this letter on FB, claiming he was let go as part of a BDSM Persecution Witch Hunt, where everyone knew everything he did was consensual but they disapproved so they canned him. In order of relevance to the sections of his FB post, links! I am writing today because I want you to be the first to know some news. This has been the hardest time of my life. I am reeling from the loss of my father. I am in deep personal pain and worried about my mom. And now my world has been rocked by so much more. Today, I was fired from the CBC. For almost 8 years I have been the host of a show I co-created on CBC called Q. It has been my pride and joy. My fantastic team on Q are super-talented and have helped build something beautiful. Also true. Not sure it's relevant. See: Woody Allen, Charles Dickens, etc. Doing good work does not mean you are not an asshole. I have always operated on the principle of doing my best to maintain a dignity and a commitment to openness and truth, both on and off the air. I have conducted major interviews, supported Canadian talent, and spoken out loudly in my audio essays about ideas, issues, and my love for this country. All of that is available for anyone to hear or watch. I have known, of course, that not everyone always agrees with my opinions or my style, but I've never been anything but honest. I have doggedly defended the CBC and embraced public broadcasting. This is a brand I've been honoured to help grow. Does this link cause you to think that his behaviour, on and off the air, is dedicated to "dignity"? And maybe think, while you read this letter, how much assistance the PR firm Navigator provided him in crafting this "deeply honest and personal heartfelt appeal." Plus, should it matter whether or not you like Jian Ghomeshi? Anyway. This paragraph serves little than to cause people to react patriotically to his message, much like American Republican senators caught with some hanky-panky in their personal lives immediately try to wrap themselves in the flag. All this has now changed. Today I was fired from the company where I've been working for almost 14 years – stripped from my show, barred from the building and separated from my colleagues. I was given the choice to walk away quietly and to publicly suggest that this was my decision. But I am not going to do that. Because that would be untrue. Because I've been fired. And because I've done nothing wrong. Please note, then, that the airing of allegations was his choice. He aired the allegations. Also: CBC does not have a history of firing staff for their public sex lives. See Sook Yin-Lee. I've been fired from the CBC because of the risk of my private sex life being made public as a result of a campaign of false allegations pursued by a jilted ex girlfriend and a freelance writer. Jilted Ex Girlfriend However, there were at least 3 women involved in The Star story Plus a coworker Plus the xoJane article from last year, linked above As well as numerous rumours about his dating conduct for quite some time now (there are forum links all over the net to discussions among women sharing stories, but those are all password protected, so no shares here) A beautiful piece from out west about the rumours circulating about Jian for over a decade. And already, another woman has come forward with her own abuse allegations from a decade ago. Then, about an hour later, another three. God knows what the total will be by the time this gets published. Here's the "freelance writer" As friends and family of mine, you are owed the truth. I have commenced legal proceedings against the CBC, what's important to me is that you know what happened and why. Forgive me if what follows may be shocking to some. I have always been interested in a variety of activities in the bedroom but I only participate in sexual practices that are mutually agreed upon, consensual, and exciting for both partners. Friends and family, huh? His FB followers? Are friends and family? Wouldn't actual friends and family deserve something more than a post on FaceBook? Response of BDSM community part 1 Really to me it looks like they're just not having it. As well, is this about BDSM, or is it about consent? About two years ago I started seeing a woman in her late 20s. Our relationship was affectionate, casual and passionate. We saw each other on and off over the period of a year and began engaging in adventurous forms of sex that included role-play, dominance and submission. We discussed our interests at length before engaging in rough sex (forms of BDSM). We talked about using safe words and regularly checked in with each other about our comfort levels. She encouraged our role-play and often was the initiator. We joked about our relations being like a mild form of Fifty Shades of Grey or a story from Lynn Coady's Giller-Prize winning book last year. I don't wish to get into any more detail because it is truly not anyone's business what two consenting adults do. I have never discussed my private life before. Sexual preferences are a human right. LATE 20S?????? Late 20s? The man is 47. According to the Star, all women who have come forward so far are in their 20s. I haven't yet heard him denying that he was involved with them. So this is a man who likes to date women 20+ years younger than he is. Moreover, when he hurts them, it makes him come. Whatever else has gone on, he sure don't like having women in his sex life who are his equals. That is the best-case scenario based on his own words. Sexual preferences are a human right, but Canadian courts and law do not permit a person to consent to sexual abuse. Whether or not you believe it should be illegal, currently, it is. Also, one's personal human rights to one's sexual preferences ends where harm to another person begins. See: pedophilia Also also, see BDSM community reactions to Shades of Grey comparison in above links. I.e., not actually helpful. Because Shades of Grey misrepresents abuse and rape as consensual BDSM. Despite a strong connection between us it became clear to me that our on-and-off dating was unlikely to grow into a larger relationship and I ended things in the beginning of this year. She was upset by this and sent me messages indicating her disappointment that I would not commit to more, and her anger that I was seeing others. How dare she! Plus, you may want to see the court documents, which have more detail. In that he claims they were dating non-monogamously by mutual consent, and he didn't so much "end things when it became clear that it was unlikely to grow," as cut her off when she decided that the non-monogamous thing wasn't working for her anymore. So that's two stories, that contradict each other, already from Mr. Ghomeshi. After this, in the early spring there began a campaign of harassment, vengeance and demonization against me that would lead to months of anxiety. It came to light that a woman had begun anonymously reaching out to people that I had dated (via Facebook) to tell them she had been a victim of abusive relations with me. In other words, someone was reframing what had been an ongoing consensual relationship as something nefarious. I learned – through one of my friends who got in contact with this person – that someone had rifled through my phone on one occasion and taken down the names of any woman I had seemed to have been dating in recent years. This person had begun methodically contacting them to try to build a story against me. Increasingly, female friends and ex-girlfriends of mine told me about these attempts to smear me. Someone also began colluding with a freelance writer who was known not to be a fan of mine and, together, they set out to try to find corroborators to build a case to defame me. She found some sympathetic ears by painting herself as a victim and turned this into a campaign. The writer boldly started contacting my friends, acquaintances and even work colleagues – all of whom came to me to tell me this was happening and all of whom recognized it as a trumped up way to attack me and undermine my reputation. Everyone contacted would ask the same question, if I had engaged in non-consensual behavior why was the place to address this the media? Well. When I broke up with the abusive/stalkery guy some women did reach out to me via email and FB, and I'm glad they did. Those conversations were helpful. Not sure what this proves of her, even if it is true. And maybe she went to the media because our courts are broken, so far as sexual assault goes. If you don't go to the courts, of course, you'll be accused of making it up and trying to destroy an innocent man. But if you do go to the courts, you will still be accused of trying to destroy an innocent man. Plus, since so few accused are found guilty, the man then effectively has been publicly exonerated for his behaviour. He gets a shield. He gets to go around for the rest of his life saying, "Yeah, that crazy bitch accused me of rape, but the judge saw right through it." AND THEY DO. This happens. I've seen it. I have friends who were advised to this effect by their lawyers. When I went to counseling to deal with my abusive ex, my counselor advised me to just wait it out. "Eventually he'll latch on to someone else," she said. "They always do." So my best way out, according to a professional, was to sit tight until he started victimizing someone else. Women who want to protect other women from rapists and abusers are better off using gossip. That is simply a fact of our current judicial system. Now, how about this "vindictive ex-girlfriend" thing? That he has friends who told him what was happening is quite possibly true. But it is not relevant. Plenty of famous rapists have friends. This does not mean that they are good people or don't rape. Plus, at least one of his friends has publicly come out on the side of the victims. Plus a group of Canadian musicians put out a petition supporting the victims. Whether or not you think this was appropriate is beside the point; his insinuation that his friends are unanimously in support of his version of events is simply not true. The writer tried to peddle the story and, at one point, a major Canadian media publication did due diligence but never printed a story. One assumes they recognized these attempts to recast my sexual behaviour were fabrications. Still, the spectre of mud being flung onto the Internet where online outrage can demonize someone before facts can refute false allegations has been what I've had to live with. This was clearly not true, as the Star's decision to then print the story demonstrates. And this leads us to today and this moment. I've lived with the threat that this stuff would be thrown out there to defame me. And I would sue. But it would do the reputational damage to me it was intended to do (the ex has even tried to contact me to say that she now wishes to refute any of these categorically untrue allegations). But with me bringing it to light, in the coming days you will prospectively hear about how I engage in all kinds of unsavoury aggressive acts in the bedroom. And the implication may be made that this happens non-consensually. And that will be a lie. But it will be salacious gossip in a world driven by a hunger for "scandal". And there will be those who choose to believe it and to hate me or to laugh at me. And there will be an attempt to pile on. And there will be the claim that there are a few women involved (those who colluded with my ex) in an attempt to show a "pattern of behaviour". And it will be based in lies but damage will be done. But I am telling you this story in the hopes that the truth will, finally, conquer all. So what exactly are we to think that these girls would get out of it? The pleasure of seeing him unemployed? And if she didn't succeed in contacting him, how does he know what she was going to say? Also, see analysis from this lawyer about whether or not his lawsuit is going to go anywhere. And more analysis about why, when he must know that his suit is not likely to be successful, he would go ahead and file it anyway. I have been open with the CBC about this since these categorically untrue allegations ramped up. I have never believed it was anyone's business what I do in my private affairs but I wanted my bosses to be aware that this attempt to smear me was out there. CBC has been part of the team of friends and lawyers assembled to deal with this for months. On Thursday I voluntarily showed evidence that everything I have done has been consensual. I did this in good faith and because I know, as I have always known, that I have nothing to hide. This when the CBC decided to fire me. CBC execs confirmed that the information provided showed that there was consent. In fact, they later said to me and my team that there is no question in their minds that there has always been consent. They said they're not concerned about the legal side. But then they said that this type of sexual behavior was unbecoming of a prominent host on the CBC. They said that I was being dismissed for "the risk of the perception that may come from a story that could come out." To recap, I am being fired in my prime from the show I love and built and threw myself into for years because of what I do in my private life. Look at that last sentence a few more times. Does it seem familiar? Perhaps because it is the same appeal used by Rob Ford when the crack cocaine story first broke. "I am the best mayor in the world and I am being persecuted for what I do in my personal life!" Maybe because every prominent abuser in recent history has used that line–"it shouldn't matter what I do in my personal life!" Except that when you use your prominence to befriend victims, and carry out crimes, it very much does matter. Also, it is legal to fire employees for what they do in their personal time, even if it's legal, under some circumstances. Also also, even if BDSM were legal in Canada, it is impossible to demonstrate consent to an employer. A text message or an email would not mean there is consent. It would mean that, at best, in advance of the event in question, a woman expressed some interest or enthusiasm for the idea in concept. But that doesn't mean that she consented to what actually happened once she was in his apartment, or house, or whatever. So that doesn't hold up at all. Let me be the first to say that my tastes in the bedroom may not be palatable to some folks. They may be strange, enticing, weird, normal, or outright offensive to others. We all have our secret life. But that is my private life. That is my personal life. And no one, and certainly no employer, should have dominion over what people do consensually in their private life. That is not true. See above. And so, with no formal allegations, no formal complaints, no complaints, not one, to the HR department at the CBC (they told us they'd done a thorough check and were satisfied), and no charges, I have lost my job based on a campaign of vengeance. Two weeks after the death of my beautiful father I have been fired from the CBC because of what I do in my private life. I have loved the CBC. The Q team are the best group of people in the land. My colleagues and producers and on-air talent at the CBC are unparalleled in being some of the best in the business. I have always tried to be a good soldier and do a good job for my country. I am still in shock. But I am telling this story to you so the truth is heard. And to bring an end to the nightmare. News on the CBC's ongoing internal investigation. This is a fantastic example of the pity-the-abusers story that gets trotted out whenever someone with a promising career is charged with abuse. See: Ray Rice, Steubenville football stars. Their "nightmare," their suffering, is invoked as if it compares in any way with the suffering of their victims. It does not. There are two possibilities here that I can see: Jian Ghomeshi is telling the truth, despite the inconsistencies in his account. Three women plus a freelance journalist are out to get him. They went to his boss and complained. The boss, despite excellent legal and HR teams and a history of dealing with sex in more progressive ways, decided to fire their highest-grossing staff, even knowing that he was going to sue and that they had no real cause. At that point, another four women came forward, and the same rumours that have circulated about him for years–even where I am, and my connection to the Canadian arts scene isn't even cobwebby, more where a cobweb strand might be if a spider decided to spin it–have become something like public knowledge. But it's all a conspiracy. Or Jian Ghomeshi is a liar and an abuser. You are entitled to come to your own opinion, of course. As am I. Contrary to what you may believe, my brain is not a courtroom, and I am not obliged to apply the same reasoning to my opinions as judges do when making legal findings. "Innocent until proven guilty" applies to the legal system, not whether or not I like someone, or find him credible. jian ghomeshi #SlowFashion2020: Create Your Own Sustainable Challenge — Frivolous At Last the dance party at the end of the universe A Citizen Mandate Letter A cozy travelling duo: Simplicity 5271 and Butterick 5934 Burda 10/2018 Pants #114: Every work wardrobe needs a pair of bright pink pants Struck by Lightning 2.0 Mahasti - The Bellydance Emporium - Bellydance in the heart of Hamilton, Ontario Jen Lawrence, Author Clean Cut Patterns Crappy Living PinkyLux School for Girls Doctor T Designs Craftastrophies The Monthly Stitch Pigeonwishes.com Carmen Sews knitting soul Freshly Sewn Climate Change Hamilton It's my untested belief that expertise in any technical field will result in a near-total loss of respect for journalism. I know it did for me. The more I learned about climate change, the biodiversity crisis, environmental regulations, and renewable energy, the more I realized that newspaper articles reflected reality only by chance, in passing. More often, an ill-equipped person with good writing skills and no critical thinking ability would write a piece far outside of their education and background by interviewing a bunch of people who claimed to be experts, without evaluating their credentials. We get climate change pieces giving equal weight to well-respected international climate experts and oil-funded PR hacks, pieces on renewable energy with well-reasoned arguments by scientists quoting the best available information and fruit-loop arguments by naturopaths who wouldn't recognize a herz if it came up and hit them on the head. And you end up with a voting public almost completely muddled on key issues because they've come to the completely totally 100% incontrovertibly WRONG conclusion that there are two sides. Of course people are entitled to their opinions. I am legally well within my rights to believe that Mars is peopled by winged skeletons who worship Lily Allen. But the legal right to hold an opinion is not the same, and can't be the same, as the attitude that reality is then required to bend to accommodate that opinion. No matter what I believe, Mars is in fact NOT peopled by winged skeletons who worship Lily Allen, or by anything at all. The experts are right and I am just plain wrong. (Or I would be, if I held that opinion.) This set of science experiments sheds some light on the psychology of our inherent tendency to give equal weight to two contrary opinions, even when one comes from an expert and the other does not. Fortunately, for those of you who have no intention of purchasing the article for the low-low price of $10, you can also read this fun summation in the Washington Post. This went on for 256 intervals, so the two individuals got to know each other quite well — and to know one another's accuracy and skill quite well. Thus, if one member of the group was better than the other, both would pretty clearly notice. And a rational decision, you might think, would be for the less accurate group member to begin to favor the views of the more accurate one — and for the accurate one to favor his or her own assessments. But that's not what happened. Instead, report the study authors, "the worse members of each dyad underweighted their partner's opinion (i.e., assigned less weight to their partner's opinion than recommended by the optimal model), whereas the better members of each dyad overweighted their partner's opinion." Or to put it more bluntly, individuals tended to act "as if they were as good or as bad as their partner" — even when they quite obviously weren't. The researchers tried several variations on the experiment, and this "equality bias" didn't go away. In one case, a "running score" reminded both members of the pair who was faring better (and who worse) at identifying the target — just in case it wasn't obvious enough already. In another case, the task became much more difficult for one group member than the other, leading to a bigger gap in scores — accentuating differences in performance. And finally, in a third variant, actual money was offered for getting it right. None of this did away with the "equality bias." The research psychologists attribute this to our need to belong to groups and get along with people. It seems that need outweighs any practical consideration, a good deal of the time, including when money is on the line. Fascinating, right? People who are right and know they're right defer to people they know are wrong in order to get along and maintain group dynamics, even when it costs them to do so. When it comes to climate change, this is a serious problem. Aside: Climate change is a real thing that is really happening and is a complete and total catastrophe. There is no debate on this point in any credible scientific circle. If you think that there is, I'm so sorry, but you've been had. /aside We end up not moving forward with policy solutions because we keep acting like the actual experts and the paid non-expert hacks share some kind of equivalence when they patently don't. But–and I'm sure I'm not the only person thinking this–it's present in every community, including the SBC. Ah! See? I told you I'd come around to it. People act as if the opinions and contributions of experts and amateurs are equivalent when they are not. Thankfully, the fates of human civilization and a minimum of 30% of animal and plant species do not rest on this fact. The worst that happens in most cases is that a person walks around for a good long time in a garment that looks like utter shit and feels really fabulous about it. On a scale of worldwide catastrophe, it doesn't even rank. On the other hand, as this science makes pretty clear, an entire generation of sewers are being educated largely by internet celebrities who are too incompetent even to understand how incompetent they are. It's not a catastrophe, no, but it is a crying shame. And as predicted by the social psychologists, if anyone ever speaks up to point out that some of them are experts and other are, well … not …, they are pilloried as Mean Girls, jelluz haterz, and bullies. Aside 2: Yep, I count myself in the group of people sometimes wandering happily about in a garment that on later reflection was not up to snuff. It happens. We're all human. I won't melt if someone points it out, though tact is always preferred. It doesn't count as "bravery" to "put yourself out there" if you feel entitled to nothing but praise; and if you're going to present your work in public you need to be prepared for public criticism. So it's not the end of the world, no, but it's a detriment to all of us. The people getting the money, in many cases, haven't earned it; the people with valuable skills to share don't have the platform to do so; we keep acting as if everyone's equal when they're not to be Nice and keep everyone happy, even though not everyone is happy; there are entire boiling lava rivers of resentment and bitterness flowing right under all the green meadows we're so happily skipping over (in our badly-pressed culottes and boxy tops with peter pan collars, no less). It's weird. Can't we, as an online culture, agree that it's not a violation of the Geneva Convention if someone points out that a hem is crooked or a print isn't matched? Does it matter if it's not "nice"? Don't we all benefit from increased honesty and openness? Do any of us actually expect to be perfect, or need to be treated as if we are perfect in order to function day to day? If you really don't want people to point out how you fucked up, is it so much to ask that you acknowledge it yourself, then? Hey look at this horrible side seam–I really fucked up! That went off on a bit of a tangent. Pardon me. Let's drag it back on track: The Equality Bias! It makes everything worse while we smile and pretend nothing's wrong. Fight it! Group Think: When Two Heads are Worse than One (Science and Sewing, in one post at last!) April 22, 2015 Andrea McDowell 12 Comments (sorry for that. i'm going through the tedious process of claiming my blog — yes, it took me forever — and apparently i have to include that in a new post. so) Naomi's political lens is so focused that it's blinding. This is less a book about climate change than it is about why climate change is now the perfect excuse to do everything she's always wanted to do anyway (eg. scrap globalization, redistribute wealth), which is fine, but she ignores any contrary evidence. For example, she has a brief section on the brief flourishing and untimely death of Ontario's green energy economy, which she blames 100% on the WTO's decision on domestic content. The waffling and delays of government regulators on applications, the constant changes in direction, and the dead-set-contrarian politics of the mostly rural ridings where wind energy projects were to be sited were completely overlooked, but as anyone who actually went through the process can tell you, the domestic content reg change was the least of any developer's worries, and came after years and years of frustrations brought about by the public sector. She spends a great deal of time criticizing anyone else whose political perspectives change how they perceive climate science and solutions, but is much, much worse herself in this book. No information penetrates unless it conforms with her pre-existing beliefs. But the global carbon cycle is not sentient. It doesn't care how carbon emissions are reduced; it doesn't even care if they are reduced at all. It does not vote and has no political preferences. WE do; and so it's up to us to make some decisions about if and how we're going to turn things around. It should be a mark of deep shame to any thinking citizen in a democratic society that authoritarian China is pulling so far ahead in the transition to a renewable economy. The flaws with This Changes Everything can be boiled down to two, major, fundamental issues: 1. She acts as if the private and public spheres were diametric and opposed, rather than almost entirely overlapping. A person who works all day in a corporation then goes home and becomes a voter and consumer. People move back and forth between the private and public sector in terms of employment all the time. We are not talking about two different species–the private, evil homo sapiens determined to ruin the earth at a profit and the loving, public homo sapiens trying desperately to save it. It's all just people. 2. The public sphere is as complicit in this as the private sphere. The reason we do not have a healthy, thriving renewable energy sector in Ontario right now is because the people of Ontario didn't want it. They had it, and then put the politicians of the province under so much pressure to gut it that eventually they did to save their mandate. The moratorium on offshore wind projects in Ontario is a perfect example: two (small) corporations were all set to do the assessment work necessary to figure out if their Lake Ontario projects would work or not, but the government made offshore projects in Ontario illegal because the voters in Scarborough demanded it. This is a terrible book on climate change. You'd be better off reading almost anything else on the subject. Review: This Changes Everything: Capitalism vs. the Climate December 20, 2014 Andrea McDowell 1 Comment dispatches from the Greater Toronto Bioregion This absurd beast came home one year ago today. She's never met a lap she doesn't like, and she loves it when her humans are happy. Yet, despite everything experts say about Cavaliers, she displays no inclination to exert herself in that direction by altering her behaviour one iota. By, say, not peeing on the floor, or hiding every cigarette butt she can in her cheeks before I see her grabbing them. She is a bit of binary code that switches between "ecstatic" and "asleep." If she's caught doing something 'bad' I need to yell to raise the dead to get her to stop, and she'll just stand down, tail still wagging, and give me a bit of side eye. She leaps into the air for sheer joy when chasing her toys. When she finds a new smell on a walk, she will plant herself so firmly to the spot that if I try to tug her away, the leash raises her into a handstand. She does not enjoy her me-time. Normally when we leave, we tell her "stay," and she bounces beside the picture window and watches us go; but she always hopes that if we're heading out with Frances's walker, this means a w-a-l-k. So this morning, I was putting the walker in the car, and a small black streak flashed by through the crack in the door, tail moving at light speed, two absurd ears flapping like pennants on either side of her empty, adorable head. This means she's coming too, right? "Juniper!" shouted Frances. "Juniper!" I shouted. "Stop!" She raced for the intersection, where two small boys played in the snow while waiting for the schoolbus. New humans! Juniper's favourite thing, right after Frances. She got within a few feet of them, and we all saw the exact moment that "I'm free!" became "I'm in trouble!" She turned on a dime, flew back across the intersection, up the driveway, and into the house, then bounced beside the picture window as we locked the door. In a former life, she was likely an outgoing Olympic medalist who made a fortune afterwards on the motivational speaking circuit, but in this life, she's in a small house with two bookish, artsy introverts, which has got to be a shock. Happy Anniversary, Juniper. Thank you for not getting hit by a car. 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What it's like to be restless It is always incredible to be a part of something, even more so when that something shares your purpose and values. Ive joined a group of girls working on a newspaper that seeks to bring positivity and light in the midst of everything detrimental in the media and in the world in general. Working with likeminded people who have the same burning passion as you is so empowering. The newspaper has connected people from different parts of the world to work on something that serves other young people by giving hope. [here] [Issue 1] The Restless Times is a product of a sleepless night of a sixteen year old girl that believes in the power of every individual to change the current situation in which the creativity is suppressed and the stream of negativity is endless. Darcy Campbell founded the newspaper to inspire and educate the youth. She's doing radical things at her young age. I interviewed her for the second installment of The Unruly Gang and I believe you'd really get inspired knowing her. .My name is Darcy Campbell. I am a major fan of sunflowers and sparkles and laughter. I am 16 going on 17 (cue the Sound of Music) and I am currently in the time of my life where it feels as if I am being pulled between childhood and adulthood, wonder and future. My hometown is small and in a rural part of Australia; full of vibrancy and funky people and the classic Australian landscape. I grew up on a farm, surrounded by animals and adventure, and now I attend boarding school. How did you come up with the name "The Restless Times?" I think I have always had a certain attraction to journalism and newspapers. I remember when I was much younger I would scour the jobs section in the newspaper and fawn over the advertisement for a junior journalist. I once even wrote up a resume at age 8 to hand into the local newspaper (but I never did.) I even wrote several articles for newspapers that were actually published, so when it came to wanting to start a project that could help people I was instantly drawn to the idea of publication and journalism. The word 'Times' certainly has a connection and meaningful link to the idea of the newspaper and I wanted to create a platform that had a sophistication similar to that of The New York Times while dealing with topics that newspapers would never touch. So the use of 'Times' was certainly a conscious choice to associate my publication with a newspaper. As for the 'Restless,' that certainly came from how I was feeling at the time of the newspaper's creation. I believe that restlessness is a type of energy that builds up (for multiple reasons) within an individual until eventually it reaches its peak and an explosion of brilliance unfolds and a project is created. For this reason, the word restless always signifies change and possibility, which is exactly what a newspaper should strive for. So the name The Restless Times was born. What is the mission statement/message of the newspaper? This is a really hard question to get a solid answer for as I feel as if this newspaper has so many important ideas. The newspaper was born to make people feel so restless that they are inspired into action. So I guess our mission statement is to just infect people with this bursting energy so that the world can slowly change through our hope and vibrancy. I can, however, tell you the one thing that I want this newspaper to never be. I never want The Restless Times to sadden our readers. I believe that other news platforms do this well enough. I don't want to see our readers lose hope because of an article. Because that isn't what being restless is about. Being restless is about the feeling that builds inside of you, leading your heart to change. It is not depressing. Tell us about how you got the idea of the newspaper and how it started. The newspaper certainly emerged from a feeling of restlessness. I remember that the idea for it first struck after a long period of intense restlessness. I had so many ideas but I didn't know how to execute any of them and it was making me twitch with a building energy. But then one night I read a news article that made me feel so despondent that the idea for a newspaper with good news hit me. The feeling of restlessness that had been building finally had a release and I started to thus change the world, little by little. What was your childhood dream? My childhood dream was to actually start a company called Life Lemonade (because when life gives you lemon, you make lemonade.) I dreamed of studying psychology, creating a program for enthusiastic and creative children, buying a little yellow van, painting lemons on it, and driving around Australia teaching teenagers how to be who they are and follow their dreams. I also dreamed of being a poetess and author. I used to run an on-demand poetry stall at out local farmer's market and would write poetry for $2. These dreams were present from the ages 7-12. Then my dream switched to performance and writing and it has been the same ever since. What/who inspires you? I have said before that everything inspires me because of the science behind the fact that humans are influenced by everything around us. But this often evokes an angry reaction, so if I must give you a list of things that inspire me, all things yellow would top it. I think the colour yellow has had so much meaning placed on it over the course of human life and thus I really treasure it. It has so many connotations and such a beautiful radiance, that I tend to think in the colour yellow a lot. Or at least associate things with it. As for people that inspire me, it all comes down to love. I think love is one of the most influential things in the world, so the people whom I love tend to serve as idea-generators. The person I love most in the world influences every step, every thought, and every word. His presence is so calming and natural, that everything becomes simplified and the world's beauty intensifies. He thus enlightens my creative process and encourages multitudes of inspiration. He is also associated with the colour yellow. Do you have any other hobbies? Other than writing? Absolutely. But sadly, I am starting to struggle to find time to fit them all in. I know its cliché, but I adore reading (and who even cares that its cliché, this world has become so filled with people that everything is going to become a cliché at one point.) I also love exploring the world of theatre. I am currently in a play, Twelfth Night, and it brings me so much joy. One of my other interests is education. I love teaching myself about the world (modern history is one of my favourite subjects) and want to learn as many languages as I can. I am currently studying German. What would you like to say to your readers? I tend to say what I want to my readers in every issue, through my words and the curating of others. But my personal message that I try to radiate to everyone is that they are loved for being who they are. I have always really struggled with this concept and finally I think I am coming to terms with it. So I guess that that is what I want to tell my readers, as that is my personal message and not as attached to the newspaper as my other beliefs. Nicole Constante May 3, 2017 the unruly gang Morning tea and life lately Nicole Constante May 5, 2017 lifestyle Genuine self love Nicole Constante April 18, 2017 personal growth

It's odd to me that some view the questioning of our ceremonial norms, like non-diverse "best of" lists, "all male" or "all white" panels, as a slap in the face to those being lauded as the "go to" voices of Edtech. Why do we have such a problem with understanding the need to have a wider lens on the messages being circulated in this educational space? Do people really not understand the power structures of how this Edtech world works? Really?? I hate that I needed to write this blog and to be honest, I tried to ignore this very idea the moment that I saw Edtech Magazine's 2016 Honor Roll of Must Read IT Blogs. I clicked the link, looked over the list, rolled my eyes and went about my business because listing isn't something that I generally care about…especially one that is super "same white techs as always" because this happens weekly and in the big scheme of things, this one blog doesn't matter…except it does. …Pauses for a second to envision the numbers of speaker bios updated because of lines like this. There's a bigger picture here (like it or not), the business of educational technology…consulting, speaking, writing, blog advertisements and in that sense, lists like these play a role…a major one at that…sadly. Why Does She Always Have to Make it About Race? Can We Not Just Focus on the Great Work that People Do for Kids Regardless of Race? Since ISTE, I've been contacted by countless conferences, organizations and schools to give talks on diversity in edtech. It bothered me to see the very people who have asked for such "necessary" conversations to be applauding this list or any list that lacks the highly influential work of techs of color…not because they are of color but because their work is brilliant and should be recognized too! This blatant "black/brown out" of techs of color, doesn't just limit itself to this list or the countless others like it. It also extends itself to the very learning spaces that we inhabit especially those like Tech & Learning's CIO Summit and even the upcoming Edsurge Summits where "entrance is determined by school/tech leadership title"…but that's an issue for school districts, isn't it? Clearly, we need more techs of color in school technology leadership but creating a conference that starts from a place of racial bias…doing nothing to influence change within it, doesn't do anything but put more white tech leaders in a room inviting more social media backlash once those non-progressive images are published. This list was created from "veterans of year's past", the editorial staff and a nomination process through "Listly" (which didn't garner a lot of nominations) and even fewer that made the cut from that process so it's basically all about editorial staff here. Listly makes users connect their social media accounts to "log votes". As a rule of thumb, I don't connect tools like this to my twitter or facebook…because data/information matters. Isn't this supposed to be about Informational Technology? Or is this about shares and badges? There's a diversity of women and men…that's it. I mentioned earlier that people have something to say when one questions diversity. That's simply not the case. We stand in disgust when the list is "all men" but when it comes to race, we don't always fight on the same team…or at all. A few months ago, someone that I used to respect greatly in this space made the comment that he remains quiet on issues of social justice because people treated him differently for speaking up. Imagine if we all remained silent…or had the privilege to do so. One more thing…I was asked on twitter how we should "honor" those on this list while also being inclusive. Thank you for writing this, even though you've tirelessly written about it time and time again. Thank you for speaking up for us! I know that there are many people of color that could contribute to edtech spaces, but are never invited in. I attend an edtech conference each year that has the same faces on the panel and not many new or innovative ideas. I feel that there is truly a glass ceiling for recognition of poc and that our diversity of thought overlooked.

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Home » Property News » CBRE Vietnam Real Estate Spotlight – W18 2018 CBRE Vietnam Real Estate Spotlight – W18 2018 HSBC: Vietnam should be cautious with the real estate market , Vietnam's largest casino to open gates next year, Long-delayed Metrocity to resume, … CBRE Newspaper Updates on Residential Ads Bohemia Residence (Thanh Xuan district) Total units: 232 units Scale: 3,050 sm land area Unit size: 85 – 136 sm (2 – 3 bedrooms) Price*: from VND 26.1 million psm Anland Complex (Ha Dong district) Unit size: 54 – 91 sm (2 – 3 bedrooms) Price*: from VND 25 million psm Total units: 2,732 units Scale: Eight 35-floor blocks Price*: from VND 27 million psm​ An Binh City (Bac Tu Liem District) Prices included VAT One New Launched: D2eight (District 2) Developer: CapitaLand Property type: Shophouse Unit size: 531 – 735 sm per unit Dream Home Riverside Developer: Nha Mo Total units: 2,000 units (condos), 200 units (condotels) Scale: six 25- floor blocks Unit size: 56 – 75.12 sm (2 – 3 bedrooms) Kingdom 101 (District 10) Developer: Hoa Lam Corp. Total units: 986 units (Condos only) Scale: three 30-floor blocks * Prices included VAT Note: Selected newspapers include Dau Tu Bat Dong San, Thoi bao kinh te Vietnam, The gioi thong tin bat dong san, CafeF, Tap chi dau tu bat dong san, Vietnamnet, Thi truong Bat dong san & Tai san, Nguoi dua tin, Vnexpress Interest rate for real estate loan increases Increasing interest rate is necessary when real estate prices are increasing abnormally. Eximbank applied an interest rate of 11% for real estate loan from 2nd May. Another bank, Viet A, has a rate of 12.38%, exceptionally high, but demand remains high. Valuation of lands and houses as collateral in suspecting area will be stricter. The valuated price is only 50% of the market one, and loans provided will only be up to 30-40% of the value, not the usual rate of 70- 80%. Due to high demand, available credit for real state in many banks is currently limited. In Q1 2018, short-term credit only increased 2.6% while middle and long- term has increased 4.3% and account for 53.2% of the total outstanding loans. However, banks are required to keep the rate of short-term deposits for medium and long-term loans at 45% in 2018 and 40% in 2019. Central bank also increases risk ratio of real estate loan to 250% to ensure credit safety. Auctioning 9 land plots in the center of Thu Thiem New Urban Area Tuoi Tre No.1 Area is a multi-function commercial center. The tallest towers are located along the boulevard and central square, with reducing height towards Saigon River and the central lake. Important buildings in No.1 Area includes exhibition center, museum; opera house and center of planning information. Relocation of religious establishments and land acquisition of Thu Thiem Primary School will be fastened to guarantee the construction of riverside roads and park completing on schedule. Thu Thiem New Urban Area is located on the Thu Thiem peninsula (District 2, HCMC), opposite District 1. The project was approved in 1996, and Thu Thiem New Urban Area is expected to be a global financial and commercial center. Vietnam's largest casino to open gates next year Vietnam Investment Review The 4-billion casino named Hoiana in Quang Nam includes stores, restaurants, golf courses, and water parks, spanning on a 1,000-ha site. The Suncity Group Holdings Ltd., VinaCaptal Group and Hong Kong based VMS each owns one-third of the project's stakes. First phase will be launched in 2019 with 140 card-tables and one golf course. The second one including water parks, golf course and a resort will be launched in 2023. However, operators of casinos in Vietnam has reported losses or only modest profit in many years since opening. Last year, RIC owning the casino in Halong Bay reported losses of VND 127 billion, Haiphong International Tourist JVC owning Do Son Casino reported an average loss of VND 22 billion during 2007-2012, and Australia-based Donaco International Ltd. owning one in Lao Cai reported a profit of $23 million, less than 10% of revenue in 2016. Long-delayed Metrocity to resume Land clearance, compensation and removal of power system from the site will finish in May 2018, and the land will be transferred to the developer. The project is expected to start in the third quarter of this year. The project will receive $189 million investment from GS E&C based in Korea, and located on a 350-ha site in Nha Be, HCMC. GS E&C planned to complete the basic infrastructure system and call on other sub-investors to develop smaller projects. GS Metrocity includes a financial center, shopping malls, high-end office, and apartment blocks. Key parts of the complex are the Linear urban area, the Centre Peninsula, Gateway City, and Park City. Construction will finish within the next 10 to 15 years. More than 5.5 million foreigners arrive in Vietnam in Jan-Apr Vietnam welcomed more than 5.54 million foreign visitors in the first four months of 2018, a year-on-year rise of 29.5%. Major markets are Republic of Korea (up 67.3%), China (39.7%), Malaysia (16.3%), China's Taiwan (14.3%), Thailand (9.2%), Singapore (8%) and Japan (7%). The number of European visitors rose by 12.9%, especially Italy (19.7%), Russia (13.4%), the UK (11.1%). Those of Africa, Americas, and Oceania are 22.5%, 13.4%, and 12.6%. In April alone, there are 1.34 million international tourists, up 25.2% due to various such as the Vietnam International Travel Mart and Vietnam's Ethnic Culture Day in Hanoi, the tourism festival in Ho Chi Minh City, the Mon Asian Food Festival in Hanoi and Quang Ninh province, and the opening ceremony of the National Tourism Year 2018 in Quang Ninh. Organize Bach Dang bridge with more than 7.000b in Quang Ninh province On the morning of April 28, Quang Ninh province and investors organize the Bach Dang bridge, after more than 3 years of construction. The bridge is not only meant to develop the triangle economy of Hanoi – Hai Phong – Quang Ninh but also connect the historic Bach Dang river. Located on the Ha Long – Hai Phong highway, the bridge crosses the Bach Dang River, starting from Dong Hai 2 (Hai An District, Hai Phong) to Lien Vi Commune (Quang Yen Town, Quang Ninh Province). The bridge is 3.5 km long, 1.9 km wide, 25 m wide, with 4 lanes, the design speed is 100 km / h. Starting in January 2015, the project is expected to be completed by June 30. When the Ha Long-Haiphong expressway goes into use, the distance from Halong to Hanoi is reduced to 50 km, to 130 km; from Ha Long to Hai Phong only 25 km instead of 75 km as today. High-rise project by the West Lake rejected Dan Tri News The authorities of Hanoi have rejected the proposal to build a 36-storey hotel near the West Lake as it exceeds the permitted height in the area. According to Hanoi authorities, they appreciate the fact that Thang Loi JSC wants to upgrade the hotel to meet international standards and better exploit the location. "However, the proposed 36-storey building exceeds the permitted height and will not be allowed," written in the official document submitted by the Hanoi People's Committee. Regarding the rumours about the proposal to build a city guest house on 584 Lac Long Quan Street, Hanoi People's Committee said it hadn't had any plan to invest in this location. Frasers Property unit to acquire 75% stake in Vietnamese property firm for 409b dong A subsidiary of Frasers Property on Friday entered into a conditional share purchase agreement with Tran Thai Lands Company to acquire a 75 per cent stake in Vietnamese property firm Phu An Khang Real Estate Joint Stock Company (PAK). The unit – Frasers Property Investments (Vietnam) 1- is set to acquire the 24 million ordinary share stake in PAK for 408.6 billion dong (S$23.9 million). HSBC: Vietnam should be cautious with the real estate market CafeF In its latest report on Vietnam, HSBC said real estate business occupies about 5 percent of the country's GDP and has contributed positively to GDP growth since 2013. However, continuing to rely on credit growth to boost business and consumption, real estate credit risk is an important issue Vietnam needs to keep an eye on. In 2018, the State Bank of Vietnam (SBV) set a credit growth target of 17%, lower than the level of 18.17% achieved in 2017. HSBC cited the fast growing real estate market in the late 2000s, partly due to speculation, resulting in real estate bubble burst in 2011. Implication is the explosion of bad loans, affecting the development of banks and the overall growth of the economy. With the current growth momentum, the bank warns Vietnam should be cautious with the real estate market. Vietnam attracts $8.06 billion in FDI in Jan-Apr As of April 20, 2018, the country had 883 newly-licensed FDI projects, with total registered capital of US$3.55 billion and 303 projects registering to increase their capital by US$2.24 billion. As of April 20, 2018, the country had 883 newly-licensed FDI projects, with total registered capital of US$3.55 billion and 303 projects registering to increase their capital by US$2.24 billion. In the first four months of this year, foreign investors contributed capital and bought shares worth US$2.26 billion, a y-o-y surge of 67%. FDI projects in Vietnam disbursed US$5.1 billion during the first 4 months, a year-on-year increase of 6.3%, said the Ministry of Planning and Investment's Foreign Investment Agency (FIA). The FIA said foreign investors have invested in 17 industries and fields during January and April. Of this, the manufacturing and processing sector attracted the largest amount of FDI, with total registered capital of US$4.52 billion, accounting for 56.1% of the total investment. The real estate sector ranked the second in terms of FDI attraction, with total investment capital of US$807.5 million, accounting for 10 percent of the total. In the third place were the wholesale and retail sector, with total registered capital of US$779 million, accounting for 9.7% of the total. FOR MORE INFORMATION,CONTACT: Dung Duong MRICS [email protected] [email protected] CBRE Vietnam Real Estate Spotlight – W2 2020 More Property news CBRE Vietnam's Offices CBRE Vietnam © 2011 CBRE Offices Disclaimer & Term of Use

Solium Capital Inc. securityholders voted in favour of the previously announced plan of arrangement under the Business Corporations Act (Alberta) at Solium's special meeting of securityholders held today. Pursuant to the Arrangement, Morgan Stanley, through a wholly-owned subsidiary, has agreed to acquire all of the outstanding common shares of Solium (Solium Shares) for CAD$19.15 per Solium Share. At the securityholders' meeting, 99.84% of the votes cast at the meeting by holders of Solium Shares, Solium's stock options and Solium's restricted share units (collectively, the Securities), voting together as a single class, voted in favour of the Arrangement, and 99.86% of the votes cast at the meeting by holders of Solium Shares, after excluding the votes cast by those persons required to be excluded pursuant to Multilateral Instrument 61-101 - Protection of Minority Security Holders in Special Transactions, voted in favour of the Arrangement. 76.22% of the outstanding Securities were represented at the meeting, either in person or by proxy. Solium is also pleased to announce that, following the meeting, it received a final order from the Court of Queen's Bench of Alberta approving the Arrangement. Completion of the Arrangement is subject to various closing conditions, including the receipt of certain regulatory approvals. The Company and Morgan Stanley expect to receive such regulatory approvals before the end of this month and, if such regulatory approvals are received by such time, closing of the Arrangement is expected to occur on or about May 1, 2019. The Company has applied to de-list the Solium Shares from the Toronto Stock Exchange on the date of the closing of the Arrangement. Solium reminds its registered shareholders to complete the letter of transmittal that was sent to them on March 22, 2019 in order to receive the consideration payable under the Arrangement. Once completed, the letter of transmittal and all accompanying documents should be returned to TSX Trust Company in accordance with the instructions set out in the letter of transmittal. A copy of the letter of transmittal is available under the Company's issuer profile on SEDAR. Solium provides cloud-enabled services for global equity administration, financial reporting and compliance. From offices in the United States, Canada, the United Kingdom, Europe and Australia, our innovative SaaS technology powers share plan administration and equity transactions for more than 3,000 corporate clients with employee participants in more than 100 countries. Follow us @Solium and visit us at www.solium.com.

Huawei's CEO Shares P30 Pro Camera Sample, Confirms Quad Camera Faiq Fayyaz Capitalizing on the huge success of P20 Pro, the Chinese giant is building much hype around their upcoming flagship Huawei P30 Pro. The phone is set to launch on March 26 in an event in Paris and now the company's CEO Richard Yu has shared a camera sample of the phone which not just looks amazing but also confirms the quad camera setup on the phone. The picture of the moon was posted on his Weibo page celebrating the Chinese Lantern Festival. The picture also contains the watermark of the phone in the bottom left corner. It seems that Mr. Yu did not want to conceal the information in the watermark which is why the corner was carelessly blurred out and resultantly you can see almost every part of the information written in the watermark. Judging by the short characters in the watermark, it can clearly be decided that the blurred words are "P30" and "Quad". So it confirms that the Huawei P30 Pro will really come with a quad camera setup. Just like Huawei revolutionized the world of mobile photography with P20 Pro, we hope that it will do the same with the upcoming flagship. It is also reported that the Huawei P30 Pro will come with Sony's IMX607's 38MP camera sensor, making it one of the first few. In the quad camera setup, it is speculated that the phone will pack a periscope lens which will help in higher lossless zoom. Other sensors might include the main lens, a wide angle lens, and a ToF sensor. Since it is a flagship device, Huawei P30 Pro as well as its sibling P30, both are expected to be fueled with the latest Kirin 980 chipset, one that we have earlier seen doing wonders in Mate 20 series. Faiq Fayyazhttps://www.phoneyear.com Huawei to set up regional headquarters in Pakistan, plans $100 million investment Samana Ali - July 18, 2019 Huawei has announced a $100 million investment in Pakistan to establish its regional headquarters and upgrade its technical support center. Mark Xueman, Vice President of Huawei Group announced the company's decision while meeting the Federal Minister for Planning and Development. EMUI 10 slated for August 9 release at Huawei Developer Conference 2019 Huawei is set to unveil EMUI 10 based on Android Q on August 9 at HDC 2019. It is quite surprising to see the early launch of the software especially since Google has yet to launch the stable version of Android Q. Hongmeng OS may launch at Huawei Developer Conference on 9th August Huawei is expected to launch its homegrown Hongmeng OS at its developer conference HDC 2019 on 9th August. The date coincides with the previous reports related to the release of Huawei's operating system.

We're excited to let you know that an article penned by our founder, President and CTO Christopher Seiwald is currently featured on Wired. Titled "Why Managing Your Codebase Is Vital to Company Growth," it's a great read about how managing your codebase often takes a backseat in the start-up process, but really should be riding shotgun. With nearly two decades of enterprise version management experience, Christopher has seen both good and bad practices in managing ongoing source code development. In this article, he shares three things for start-ups to consider so their code can grow and scale together with their companies. Enjoy! Read the article on WIRED.com.

R.E.A.D. Paw-Pal Program Bone Appetit Cookbook Colour our Fur-iends Past Therapy dogs ORGANIZE A VISIT BECOME A THERAPY DOG TEAM 2022 Tamarack Ottawa Race Weekend Our Best Friends Be a Best Friend Direct a Gift to OTD Endowment Fund Member Spotlight on Melanie Mohammed: Bringing Twice the Joy with Grits and Beans Updated: 2 days ago Written by Jenna Hobin Melanie with Beans (Left) & Grits (Centre) "When we volunteer, I find that dogs are naturally drawn to people who need support the most. They bring smiles to the faces of those who may be feeling lonely and down." As a handler for her two dogs, Grits and Beans, Melanie Mohammed first got acquainted with Ottawa Therapy Dogs in 2011 at an event for the Government of Canada Workplace Charitable Campaign. A new owner to a vibrant young border terrier who was a puppy at the time, Melanie recalls visiting Beth McKibbin and her majestic golden retriever to inquire about Grits' potential to one day be a therapy dog himself. Fast-forward two years, and Grits officially earned his way to becoming an Ottawa Therapy Dog after successfully passing his evaluation—a moment that sparked tears of joy for Melanie. For a former French teacher who now works in the field of human rights, Melanie's innate compassion led her to go through the evaluation process again with her second dog in 2015. Adding Beans, her amiable chocolate lab, to the Ottawa Therapy Dogs' family was Melanie's way of bringing twice as much joy to those in need of comfort. Grits, who is now 10 years young, has been a source of positive support for patients in a long-term care facility located in rural Ottawa for close to 8 years. His patience and composure enable him to visit with patients suffering from illnesses such as dementia, which make it difficult for them to engage in verbal conversations. In quiet contentment, Grits brings immediate happiness to those he meets. For many patients, their family members may no longer know how to engage with them as an illness progresses, and others no longer have living family members or friends to visit them. Our Ottawa Therapy Dogs teams are their support system. As Melanie says, "My dogs help bring light in the day of those they interact with, and I wanted to contribute in this way." Beans, who is now 8 years old, is full of personality and thrives on the attention she gets from patients and their families. Her extroverted personality made her the ideal candidate to provide support to those in need of shorter-term care and higher levels of engagement. The profound impact of her visits was recently recognized by the family of a long-term care patient whose family recounted the memories of Melanie and Beans in their mother's obituary following her passing. For Melanie, one of the most meaningful aspects of being an Ottawa Therapy Dogs handler is seeing the smiles from those Grits and Beans have the opportunity to interact with, including staff members at the facilities. As an avid believer in the therapeutic benefits brought by therapy dog visits, Grits and Beans have been a personal source of calm and comfort for Melanie herself. For her, bringing joy to others positively influences her own mental well-being by knowing that she and her dogs are able to leave a positive mark on those in need of support in such a meaningful way. When Melanie, Grits and Beans aren't busy counting down the days until they can return to in-person visits, they are enjoying walking, hiking and swimming at their rural home. She hopes that others consider joining the Ottawa Therapy Dogs team to help make a difference in our community. As Melanie says, "I would encourage people to reflect on how important their impact can be on the lives of the people they touch." She continues, "Being a part of Ottawa Therapy Dogs can be life-changing, not only for the individual, but also by extending support to their families and loved ones." The Power of Zoom Dogs Written by Julianne Labreche When I was a little girl, I remember crying when I watched any animal movie. Tears rolled down my cheeks seeing Lassie orThe Incredible Journey or even animated movies like Bambi or Lady and the Tramp. That's the power of the animal-human bond when you're a small child watching a screen. Now that I'm an adult, I still love animals and always will. I grew up with dogs and had some wonderful dogs during my adult life, including a special therapy dog – a beautiful Nova Scotia Duck Tolling Retriever – that worked in a local hospital with me helping stroke survivors with communication impairments. That dog still brings tears to my eyes. When you love a dog, any dog, the pain of losing that dog may fade but it never goes away entirely. That's the power of this bond. Still, I admit feeling a tad cynical initially when asked to watch and report on virtual Ottawa Therapy Dogs (OTD) visits taking place at a local Ottawa nursing home. It just wouldn't be the same watching 'The Zoomies' as OTD likes to call these online visits that connect therapy dog handlers and their dogs to long-term care residents during the pandemic. The technology, like any screen, has its limitations. You can't pat the therapy dog's soft fur or stroke them. You can't smell them after they've been so nicely groomed for a visit or hear that tail wag in happy anticipation when you come close. It's just not the same. Sadie making her appearance on "The Zoomies" It's a different experience, there's no denying it. Then again, the magic of the animal-human bond remains, especially for anyone who loves animals. Just because there's a screen, those warm feelings don't go away. More importantly, look at it from the perspective of the long-term residents themselves. As homes move in and out of outbreak, activities may need to be rescheduled to keep resident's safe. Visitation is currently restricted due to the pandemic with only essential and designated care givers permitted to visit their loved ones. With a two-person limit on designated care givers in place, social contact is unfortunately limited at this time. So, from a resident's perspective, maybe an interactive visit with a therapy dog and handler could be pretty nice – for the right patient, of course. For some, it could even be the most exciting event of the entire week. So I decide to be an observer and to watch a couple of these visits. I press the Zoom link on my home computer. With consents obtained and confidentiality guaranteed, I'm permitted to enter my first therapy dog session. Soon it begins. Antonia and Sadie Antonia Mcguire and Sadie, a red-coated Labrador retriever, appear on the screen. Antonia is a friendly, outgoing OTD volunteer who tells me later that she really enjoys her Saturday visits online with the residents at St. Patrick's Home, a local long-term care facility in Ottawa. She's happy to share Sadie, her much-loved family pet, with a few residents each week. Intentionally, each visit is kept short, limited to about ten minutes. A staff person holds an iPad at the opposite end of the Zoom call. It's not so easy visiting beyond about forty-five minutes every Saturday as it's tiring both for her and her dog keeping residents engaged within this artificial milieu. It's been a learning curve for everyone. Antonia volunteered at St. Patrick's with Sadie for two years before the pandemic struck. Earlier, she went through the usual screening, orientation and testing carried out by OTD's trained evaluators. Those face-to-face visits were important for residents, she remembers. Her six-year-old dog, so friendly and playful, helped her connect to residents. A strong emotional bond sometimes happened between the residents and the dog. "I knew it wouldn't be the same experience," Antonia recollects, reflecting on the transition to online visits after teams were no longer permitted into their facilities because of Covid-19. But she was willing to give the virtual world of therapy dog work a try and to learn. She and Sadie have been doing virtual visits since last summer. She's convinced these pet visits make a difference. "It's interesting to see there's still an emotional connection," she observes. St. Patrick's Home staff shares the same enthusiasm. "I should say that at first I was not sure," emailed Erika Hollander, a recreologist who works with residents there. "I thought people with dementia may have difficulty connecting with a dog on a screen." Instead, the therapy dog program had the opposite effect, she notes. "Residents were excited, connected, even brought to tears with the happiness they felt. Our first visit showed me immediately that this was the way to continue our partnership with Ottawa Therapy Dogs. We are so very grateful for the people who came together to bring this joy to our residents." I begin to realize the impact that these visits have for some residents. I decide go online to watch a different visit. I press the Zoom link. Again, I'm allowed to enter the session as an observer. This time, I'm staring at two real cuties, Harry and Louis, Cavalier King Charles Spaniels. With their long, silky ears, big eyes and cuddly looks, no wonder the breed has been known historically as comfort dogs. Harry and Louis ready for their visit! Harry is the official Ottawa Therapy Dog, Alexandra Wood, the handler explains. This team worked at the Montfort Hospital prior to the pandemic. Now they've been recruited for the virtual visits at St. Patrick's Home. Because the Zoom calls are conducted out of Alexandra's home, Louis gets to share the screen too. Louis is the younger of the two dogs. "The apprentice," Alexandra calls him. Alexandra has spent a lot of time organizing these visits. She focuses her efforts on the screen, making sure her dogs are always in good view for each resident during the visits. She tries for close-ups of the dogs, when possible. She encourages the staff person at the other end of the Zoom call to help direct comments and questions from the resident. She listens carefully. She has taught her two dogs some fun tricks to keep the residents amused and interested in the online visit. The dogs take turns weaving between poles, ringing a bell, and leaving treats placed near their paws until permitted to eat them. Alexandra and Harry "The point is to see the dogs, not me," she says. The results are usually always positive. "The residents seem really happy from what I hear," she says, "especially if they had dogs themselves." Doing therapy dog work online isn't so easy, she notes. "It's more tiring for the dogs and myself." It's all about pacing, not overdoing it and keeping the sessions short. Although she volunteers for the benefit of the residents in the long-term care home, she also has her pets' best interests at heart. She works to ensure they're having fun and not tiring from the stimulation of the tasks. A resident at the other end of this Zoom call reaches out, touches the screen and seems to want to touch the dogs too. I see the resident smile. It's clear that she's connecting with the dogs, even though she can't pat them. I'm sure that in the months ahead there will be more published research in the fields of psychology and mental health about virtual pet therapy visits. New 'buzz terms' are already being emerging. These visits are being called "animal-related engagement," or "animal-related stimuli." Research studies will be designed. Numbers collected. Conclusions drawn. Meanwhile, I'd say simply that the virtual therapy dog visits are a great alternative to not being able to visit in person and much better than whatever could have been imagined. The animal-human bond, it seems, travels well through cyberspace. Thanks to some dedicated therapy dog volunteers, a few determined health care staff and several friendly, good-natured dogs, these visits are making a big difference in long-term care. If you need more evidence, I've got the Zoom links to prove it. About the Author: Julianne Labreche is a former therapy dog handler with OTD, a past OTD Board member, a retired health care professional and the author of the children's story The Woman Who Lost Her Words, a story about the power of animals to reconnect children to people who have had a stroke. The Wise Mentor Written by Julianne Labreche , OTD Associate Member Everyone needs a wise mentor when young, someone to smooth those rough edges and teach kindness by living it. Copain, the big black standard poodle that works every Monday morning as a therapy dog with ALS patients at The Ottawa Hospital Rehabilitation Centre (TOHRC) had a mentor too. His name was Dylan, a big, friendly white standard poodle that lived with Michel Bourassa, his handler. As a young dog, just six months old, Copain had lots to learn when he moved into his forever home with Dylan and Michel. By then, Dylan was an experienced therapy dog. Michel and Dylan had been working in the ALS Clinic as volunteers for over three years, greeting outpatients and their families. Patients diagnosed with ALS are seen at TOHRC for medical interventions and rehabilitation therapies provided by an experienced ALS team. Even though ALS has no known cure, there is a great deal that can be done to improve a patient's quality of life as the disease progresses. For that reason, these patients continue to make the trek regularly to meet with doctors, nurses and rehabilitation staff. Nevertheless, these clinic visits often are difficult. Patients sometimes receive bad news, especially given the progressive nature of their disabilities. A friendly visit from a therapy dog team can go a long way to reduce the stress and anxiety that can accompany appointments. Right from the beginning, Michel hoped that Copain would be a therapy dog too, just like his older dog. Copain and Dylan "The two dogs hit it off famously," says Michel, retired and a volunteer with Ottawa Therapy Dogs (OTD) and The Ottawa Hospital. He remembers too that the energetic pup needed to learn a few good manners. Of course, there was the usual roughhousing in the backyard between the two dogs, but there were also carefully planned walks around the hospital grounds. Always leashed and with his young protégée in tow, Michel encouraged Dylan to be a good mentor. Following Dylan's example, Copain was taught how to be on his best behavior around the hospital, never pulling on his leash or jumping, always being friendly and gentle when strangers approached. Fortunately, the young dog learned quickly. Then one winter's day, bad news arrived. It came about the time that Copain, almost two, was about to be tested in an OTD therapy dog evaluation. Dylan was diagnosed with an inoperable tumor. Soon after, the dog died– a sad day for Michel and Dale, his wife. Just one week later and still grieving, Michel picked up the leash and attached it to Copain. The time had come for new beginnings. Together, on one cold Monday morning in February 2017, this new therapy dog team walked across the icy park to the hospital. The little pup had grown into a big, gentle therapy dog, thanks, in part, to his best friend Dylan. Since then, Michel and Copain have provided regular weekly therapy dog visits in the ALS Clinic. They're still volunteering there. While Dylan will always be missed, it turns out Copain has a style of his own that seems to work its magic on many patients. Not all people like dogs, but most do. Michel – a shy, quiet, big-hearted man – respects that fact and never imposes his dog on hospital visitors or staff. "The ALS clinic meets with patients and their significant others at a very emotional and vulnerable period in their lives," says the ALS team's registered nurse Susan McNeely. "Copain has the sweetest way of gently leaning his body into the person, providing them with his version of a hug." Staff sometimes benefit from the visits too, given the stressful nature of this emotionally charged work. "Having a therapy dog team during the ALS Clinic has really made a difference for both patients and staff," says Margo Butler, a speech-language pathologist on the ALS team. "They are a much needed calming and soothing influence." Michel is proud to show off a photo of Dylan that hangs in a nearby hospital corridor. In the photo, Dylan is standing next to former Governor General David Johnston who visited the rehabilitation centre during his time in office. Dylan and Michel also won various awards, including a national award from the ALS Society for their volunteer work. Copain receives his share of recognition too, including being thanked during Volunteer Week at the hospital and before Christmas, sometimes with a bag of dried liver or other treats. After all, loosely translated, the French word 'copain' means 'friend'. These days, there's no doubt that Copain has made many friends among the patients, family members and hospital staff who have come to rely on these regular therapy dog visits for kindness and affection in troubled times. Julianne Labreche has been a member of Ottawa Therapy Dogs since 2000. Currently an associate member, Julianne is a past Director on Ottawa Therapy Dogs' Board of Directors and was a therapy dog handler with her previous dog, Paugan, a Nova Scotia Duck Tolling Retriever. 99-1568 Merivale Road, Suite #369, Ottawa, ON K2G 5Y7 OTTAWA THERAPY DOGS Other volunteer opportunities Charitable registration number: 88312 8308 RR0001 © 2020 Ottawa Therapy Dogs

Left to his own devices, the "Live Like You Were Dying" crooner, 50, probably would have pushed himself to finish the show that night, but he knew better than to go against his wife's decision. "She's the boss, that's for sure, and that's the way I like it. That way I don't have to think!" Tim quips. Adds a longtime friend of the Nashville power couple, "Faith's heart just about stopped when she saw him fall to his knees," likely because it triggered memories from their darker days when Tim's battles with drugs and alcohol nearly shattered their marriage. Since he beat his demons, though, he's developed a new obsession with fitness, which some fear is taking a toll on his health. "Faith fully believes it's her job to look out for Tim," the friend adds about her tough-love approach to keeping him well. "There was a real possibility they weren't going to make it" in the past, the friend adds, so Faith, also 50, is going to protect their happiness at all costs now. The couple's romance first ignited in 1996, when Faith was an opening act on Tim's appropriately titled Spontaneous Combustion tour. They wed that same year and welcomed their first daughter, Gracie, in 1997. Unfortunately, the pressures of staying on top of the charts made Tim become more and more dependent on mood-altering substances. "You feel like you're supposed to be 'on' all the time. You drink and get onstage, and all of a sudden you feel confident and powerful," he says of how things started to spiral out of control. "I drank too much. I partied too much. And I did other things too much. Chemically," he confesses. By 2007, the father-of-three (Maggie and Audrey came along in 1998 and 2001, respectively), Tim was playing with fire — until Faith stepped in. "Her heart was breaking," the friend says, "so she finally told him point-blank, 'You can either have your family or you can have this horrible lifestyle. You can't have both.'" That, the friend adds, was the wakeup call Tim needed. "He quit everything cold turkey because he wanted to be a real father to his girls, and he realized he'd dropped the ball," the pal says. Tim, Faith, and their daughters. Faith's belief in their marriage was unwavering. "She saved my life in a lot of ways — from myself more than anything," Tim says. "I can go down a dark road sometimes, and she pulls me out. My wife makes me a better man." His recommitment to his family won Faith's heart all over again. "Tim inspires me every day," she gushes. "I draw inspiration from watching him be a father and a husband." Still, she takes her job of ensuring they stay on top while keeping him in check seriously. "She's the disciplinarian in the relationship," a Nashville source tells Closer. "As loving as they are with each other, she's never afraid to call him on an issue or demand change." She'll certainly be raising her voice more now after Tim's troubles in Dublin. Though he joked with reporters about the debacle upon returning to the US ("I gotta cut short my workout," he quipped), Faith's carefully watching her husband's strenuous workout routines and suggesting he ease things up a little. "Tim loves to play basketball with his bandmates and tour crew," their friend says, "so she'll say, 'Why don't you just do that instead of running up a hill with weights around your ankles?'" Her concern is understandable. "He works out three to four hours a day and he never skips a session, even when he's on the road," an insider tells Closer of the singer's grueling mix of CrossFit training, weight lifting, and martial arts. He's even partnered with Snap Fitness to launch Tru Mav Fitness, his own signature line of gyms. "The guy's in top shape," Peter Taunton, the founder of Snap Fitness and Tim's Tru Mav partner, promises Closer. "He's very lean, and it's not genetics. It's hard work. He's very disciplined." The insider adds, "Tim doesn't know any other way. He dedicated himself to getting in the best shape possible after kicking his bad habits, and working out became a replacement for them. His exercise routine would make an Olympic athlete look lazy!" Still, his doctors have expressed concern about the intensity of his regimen. That's why she'll be keeping extra-close tabs on her man as they gear up for another leg of the tour that begins May 31 and runs through July 24. "Tim laughs and says he knows he's in for it," their friend reveals. "Faith's going to ride hard on him to slow down. To see him physically break down onstage has really made her message to him a bit more pointed." And, as Faith says, "I like a good fight," so she's more than ready to put her foot down. Tim and Faith on their Soul2Soul tour. Tim seems to be coming around to the fact that he can't keep attacking his career at full throttle. "There are nights when you walk off the stage and think, 'I never wanna do that again,'" he admits. "It happens, where you lay down and think, Why am I continuing to do this?" The couple have a tropical escape in the Bahamas to help them juice their batteries whenever they're road weary. The private island villa has allowed them to focus on each other and their family since they built the home in 2012. "Faith says it feels like they're the only two souls on Earth when they're there," their friend shares. "With all the pressures of show business, it's a great place to decompress." Even when they're back home in Tennessee, Tim and Faith are able to enjoy a lot more one-on-one time these days now that their two eldest daughters are out of the house at college. She also loves the happy place their road has led, despite all of its twists and turns. "What makes our marriage work amid all the glare is that my husband is my best friend," she says. Tim sings his wife's praises just as enthusiastically. "I think about the fact that we're married and that we raised these three beautiful daughters. I mean, it's a pretty cool thing for those girls to have her," he says, tears welling up in his eyes. For more on Tim McGraw and Faith Hill, pick up the latest issue of Closer Weekly, on newsstands now — and be sure to sign up for our newsletter for more exclusive news!

New Car Sales Were Dreadful. Why Car Stocks Win Either Way. August light-vehicles sales missed estimates—badly. The number is a surprise, but the reasons behind it aren't. U.S. car sales–expressed as an annualized selling rate–came in at 13.1 million for August, far below estimates for 14.5 million units. The number comes out from industry data providers late on the first or second day of each month, after all the individual companies have released numbers. Car stocks aren't reacting though. (ticker: GM) stock was unchanged in Thursday premarket trading, as was (F) stock. The stocks didn't do anything because the reasons for the weak sales are widely known: high prices and no inventory. Both are a function of the global semiconductor shortage that is constraining global auto production. But even when the shortage ends, other factors likely can help boost car stocks instead. The shortage has been with investors—and the industry—all year. It was supposed to be getting better in the second half of 2021, but car companies, including (TSLA), are taking plant downtime while they wait for parts. U.S. dealers have about 23 days of inventory on lots. That's down by about 27 days year over year, according to Deutsche Bank analyst Emmanuel Rosner, and that's a big reason prices are up. "The positive pricing and incentive trends are a sign that underlying demand remains strong," Benchmark analyst Mike Ward tells Barron's. Strong pricing is a positive and a big reason that both Ford and GM reported better-than-expected second-quarter numbers. Review & Preview Every weekday evening we highlight the consequential market news of the day and explain what's likely to matter tomorrow. Investors shouldn't forget the price paid at the dealership goes to the dealer, and the price paid by the dealer is what GM and Ford receive. A lack of purchase incentives and discounts, however, is one of the factors boosting realized pricing for car makers. But high pricing has limits. Morgan Stanley analyst Adam Jonas raised the possibility of a buyers' strike due to pricing. "Very low inventory is [clearly] a factor," wrote Jonas in a Thursday report. "But what about nosebleed-above MSRP pricing for….vehicles." MSRP stands for manufacturer's suggested retail price. Customers are having to pay more than that to get a car. Jonas believes customers might be waiting until prices fall. A buyers' strike would mean there is some pent-up demand for new cars in the U.S., which also can benefit car stocks. Eventually when production normalizes, prices can come down and volume can help boost profits. New car sales annualized at about 17 million in the first half of 2021. That's down to about 14 million in the second half so far. That 3 million car gap might not be lost—those purchases might just be pushed into 2022 and 2023. Car stocks also aren't reacting to the Wednesday figure because the lingering semiconductor shortage is a long-known issue. GM stock has declined 14% over the past month. Ford shares fell 6%. The rose 3% and 1%, respectively. GM seems to have kicked off the downward move. The company gave weak guidance for second-half 2021 earnings when reporting its second-quarter numbers. Once again, a lack of chips is a big reason. Write to Al Root at [email protected] $GIF's $550,000 IDO Sells Out in 8 Hours as NFT Gaming Takes Centre Stage US dollar price forecast 27 August 2021 | EURUSD Fundamental analysis

The Magdalene Voices Mariaestela in Sacred Conversation with Alexis P. Morgan, professional writer, facilitator, artist, ritualist, and priestess African American writer Alexis P. Morgan may not carry a physical sword but her words cut clear into the heart of the matter and when I realised that the woman behind such powerful words was founded in the old Northern Folkways of Asetru as well as Vodoo, I could not help but ask the question how on earth did that happen? In this episode of The Magdalene Voices Alexis shares openly with us how the nordic faith of Asetru literally hit her on the head and then dragged her almost kicking and screaming into it, as is often the case for many of us when God (or whatever you want to call it) calls. I invite you to join us as Alexis graciously shares not only her journey, but also enormous wealth of knowledge and wisdom about two, perhaps lesser known, faiths and how she practices these. IN THIS EPISODE YOU WILL HEAR ALEXIS AND I TALK ABOUT: Why and how, she an African American woman converted to Asetru in 2013. How she world walked within when she was unable to practice openly. How the terms God or Goddess as well as the Christian faith did not vibe with her. The resonating answer to the profound question of how her ancestors survived what was seemingly unsurvivable. How christianity is part of whitenesses problem. The colonialism, protecting and validating colonialism as well as the spread of Christianity for the protection of the soul of "heathens". What part Vodoo plays in her practice. How practicing a faith that at its core practices animal sacrifice has made Alexis more vegan and conscious about our animal kingdom, agriculture and planet as a whole. How lots gets taken out of context and painted as evil or heathen largely because of assimilation and because white people are afraid of black people who have power. The function of violence and how we haven't assigned a healthy place to it. How giving voice to anger creates freedom. – and much, much more… The Magdalene Voices is giving voice to those silenced for centuries through Sacred Conversations with Beautiful, Illuminating Souls. The energy of the divine feminine is sweeping across the globe and uniting in Sacred Union with her divine masculine counterpart she is paving another way than the dark path of shadow human beings have been following for decades and centuries. I call it the Magdalene Rising. Millions of souls are waking up in darkness remembering who they truly are. The memory may be distant initially, but as you do the work, to clear out the muck, just as it would if you were cleaning a window, the memory gets clearer, until you completely embody your divine nature. In both being and doing. Realising that there is another way than the one the shadow aspects of ourselves that we have been following for decades and centuries. A way that does not serve the whole. A way out of darkness and into the light. A Way of Love and unity. Begun more than 2000 years ago by the ancient masters incarnated into Yeshua and Mary Magdalene, it's effects are truly kicking in now and we are blessed to be living in these times. Together these beautiful souls two created a shift to elevate the consciousness of human beings and set us on our path of awakening and ascension. It is calling for men and women alike to awaken to their inherent divine nature as a part of the whole, the totality, the all. That which some call God. The purpose of The Magdalene Voices are: *To give voice to the Divine Feminine and Divine Masculine voices of our time. *To support the re-writing of the stories surrounding Mary Magdalene and her part and path with Yeshua. *To support you in creating a personal relationship with the Source we all belong to. That which some, and I, call God. May this serve the Highest for All. © © All Rights Reserved - Mariaestela Zoe LLC.

An Alliance Reforged Sentenced to War, Book 6 著者: J.N. Chaney, Jonathan P. Brazee ナレーター: Jeffrey Kafer シリーズ: Sentenced to War 再生時間: 13 時間 31 分 このタイトルを購入されたお客様はこちらも購入されています... A Broken Alliance Staff Sergeant Reverent Pelletier has been attached to the Congress of Humanity's Home Guard, tasked with keeping the home system safe. Old rivalries and new enemies threaten the alliance, despite the counsel general's mission to ensure humanity doesn't fall into their old ways of conflict and war. An Uneasy Alliance The Centaurs may no longer pose a threat, but a new war is on the horizon, though it hides in the shadows of two empires. Rumors of alien tech have set governments against each other, and with attention focused on defeating the Centaurs, criminal elements have gotten their tentacles firmly entrenched in the very fabric of civilization. Song of Redemption In the midst of humanity's greatest fight for survival, old rivalries threaten to pull allies apart in a rush for rumored alien tech. With the newly weaponized Sergeant Reverent Pelletier and his Marine Raiders at the tip of the spear, only they stand a chance at holding the shaky alliance together long enough to meet the enemy. The Centaurs are on their way to destroy the very birthplace of human civilization: Mother Earth itself. Children of Angels The war has only just begun. While rescuing a world from Centaur control, the Marines discover that not all humans on the planet are slaves. The Children of Angels believe their masters have been sent by the gods to lift up mankind. Humanity now has two enemies, one from the farthest reaches of the Galaxy and the other from within. Sentenced to War 著者: Jonathan Brazee, J. N. Chaney 再生時間: 9 時間 Convicted of a minor traffic violation, Rev Pelletier is conscripted into the Perseus Union Marine Corps...for up to a 30-year term of service. Anxious to get back to his civilian life and job, Rev opts for a shorter term as a Marine Raider taking the fight to the enemy. But with extremely high mortality rates, can he and his friends survive until their term of service is over? Backyard Starship Backyard Starship, Book 1 著者: J.N. Chaney, Terry Maggert When Van Tudor returns to his childhood home, he inherits more than the family farm. His grandfather used to tell him fantastic stories of spacemen and monsters, princesses and galactic knights. Little did Van realize, the old man's tales were more than fiction; they were real. Hidden beneath the old barn, Van's legacy is waiting: a starship, not of this world. With his combat AI, an android bird named Perry, Van takes his first steps into the wider galaxy. He soon finds that space is far busier and more dangerous than he could have ever conceived. Sunkiller 著者: J.N. Chaney, Rick Partlow ナレーター: Mark Boyett Chase Weston never would have thought that being the bodyguard for an archaeologist could be so dangerous - even this archaeologist digging for the remains of an alien civilization on another planet. But everyone wants what Dr. Angel Cortez has found. Because beneath the dirt and stone, an ancient mystery lies, a secret history, and a warning of an implacable alien enemy. And if the warnings are true, then corporate mercenaries and Sea Dragon commandoes are the least of Chase's worries. Scattered Stars: Evasion, Book 1 著者: Glynn Stewart Captain Evridiki "EB" Bardacki was once a nova fighter pilot for a nation he truly believed in. Betrayal and failure sent him into exile and flight. Now, owner-operator of the freelance star freighter Evasion, he treks the edge of human space, taking cargos that lead him ever onward - but there are lines he will not cross. When those lines are challenged, EB makes enemies of the most powerful crime syndicate for a hundred light-years. When one of their victims stows away on his ship, he finds himself pursued by an enemy with assets everywhere he turns. Deadmen's War, Book 1 著者: Anthony J. Melchiorri ナレーター: R.C. Bray Born on a forsaken desert planet, Cole Shaw has two options - perish from starvation and disease, or enlist in the New World Republic's armed forces. He chooses the military. For the first time, he thinks he has a shot at a better life. But survival is not guaranteed. Leading an elite team of mech operators, he is deployed to a frozen planet called Ferrous where dangerous relics of a past war lurk beneath the ice and savage creatures prowl the barren wastelands. Scientists on Ferrous are chasing rumors of godlike technologies buried in the ruins of a long-extinct civilization. Battleship: Leviathan Battleship Leviathan Series, Book 1 著者: Craig Martelle ナレーター: Shawn Compton A derelict warship, ancient but still alive. A small team of humans fighting for all humanity. Built for a time when the races were just finding their way to the stars, finding that they could dominate others. The galactic conquests created the arms race and the ancients, the Progenitors had to protect their own. They built a ship to drive the others away. To Hell and Back Omega Force, Book 13 著者: Joshua Dalzelle ナレーター: Paul Heitsch A new killer is cutting a bloody swath through the frontier worlds. Rumors of its exploits are spreading and, like a ghost, nobody even knows what it looks like. Captain Jason Burke and his crew watch this growing menace with a mix of unease...and guilt. They know who this killer is. He used to be one of them. Terran Scout Fleet, Book 3 Marine Lieutenant Jacob Brown was on borrowed time, and he knew it. He was a rogue element, disobeying orders and pursuing mission goals of his own. His Scout Team had been burned, disavowed by his chain of command and the owner of the stolen ship he was flying was after them to get it back. To make matters even more complicated, the man Jacob had stolen the ship from is an infamous outlaw and mercenary named Jason Burke...his father. The Holy War Series, Book 3 著者: Rick Partlow ナレーター: James Patrick Cronin Terribly wounded during the battle for Hermes, Ryan Hendrix was repaired with cybernetics, transformed into a weapon by Fleet Intelligence...and covertly dropped onto the enemy-occupied colony at Aphrodite to sabotage the enemy and build up a civilian resistance. While Ryan fights the real battle behind enemy lines, Travis Miller and Jessica Leer struggle with politics...and their new commands. Forgotten Space, Book 2 著者: M.R. Forbes ナレーター: Dave Jackson After narrowly escaping destruction, Nicholas and his crew find themselves flung far across the universe with no way home. When a distress call from a nearby planet catches their attention, they decide to investigate with the hope the signal is somehow connected to their arrival. It isn't long before the truth of Foresight's mission comes into clearer focus, and Nicholas doesn't like what he sees. He already knows there's something disturbing about the circumstances of their escape. The truth is more unsettling than he could have ever imagined. Acheron Redemption Federation Chronicles, Book 3 著者: Ken Lozito ナレーター: Phil Thron Sentinel warships were the answer to the Federation Wars. They brought peace and stability - or so they thought. As an instrument of control meant to hold the galaxy stagnant in its development, the Sentinel fleets are preparing for a major incursion. Admiral Quinton Aldren must get the new Alliance space navy into fighting shape. But how can he build an armada, when most spacers believe he's the enemy? Quinton will fight. All that remains is how many spacers will join him in fighting for humanity's future. Legacy Earth Legacy Earth Series, Book 1 著者: Ross Buzzell ナレーター: Todd McLaren 再生時間: 12 時間 1 分 So far, Officer Candidate School is living up to its cutthroat reputation. Still, the merciless mental, physical, and psychological torture may be worth it for Lance Warder to have a chance to fight in space. The space that awaits isn't for the faint of heart. He'll have to shed his mental chains to prove his mettle. Because no one cares who your father is when you're faced with unknown threats in a dark, infinite void. Mage-Commander Mage-Officer of Mars, Book 2 Mage-Commander Roslyn Chambers has risen through the ranks of the Royal Martian Navy. Tempered on the anvil of the war against the secessionist UnArcana World and tested against the evil of Project Orpheus, she now serves as second-in-command of one of their most prestigious battlecruisers, Duke of Magnificence. As a development platform for desperately needed advanced technology, the experimental starship Foresight is the greatest hope humankind has to flee the alien hordes. For test pilot Captain Nicholas Shepherd, the success of the program is even more personal. Successful completion means delivering his wife and son safely off-world and leaving the war behind for good. But when Foresight suffers a critical malfunction during her final scheduled flight, what should have been a minor setback becomes a major fight for survival. This is a new kind of war. The MDS and allies have withdrawn from the CoH, and they now want to become the center of gravity for humankind. The goal is to obtain localized wins, draw in more allies, and achieve victory, no matter the cost. With the alliance undone, Rev must fight a seemingly unwinnable war. But marines never quit. They never falter. They never give up. Humanity is about to experience a pivotal turning point in its history — one that will culminate in a discovery so profound that it may very well change everything. Prepare yourself for the sixth entry in the ongoing Sentenced to War series. Experience what fans are calling the military science fiction story of the year and find out why you just can't keep a good Marine down. ©2021 Variant Publications (P)2021 Variant Publications 冒険 軍事 Hunt of the Reaper Dark Origins The Elephant in the Brain An Alliance Reforgedに寄せられたリスナーの声 Probably the best book in the series. The action, dialogue, and story feel the best it's been to date. I love the characters and I seriously cannot wait to see what happens next. Jjacobson Good but overall:( Good writing and Good narration but there is only so much you can do with regurgitation to make something good last longer. Please don't ruin something good by stretching it out just to release more. It's feeling like Messenger all over again that I gave up on due to this same procedure. I know. Different authors. Different stories. But I guess I feel like Anspach and Chaney write alike so take it as you will. With all that being said thank you for the effort! Great Series!!! Absolutely loved it! Can't wait for the next book in the series! The storyline is fantastic and I'm addicted to it! Mike G More please! A great ending to this story arc. I was obsessed from start to finish. I loved the length. It was two books in one. The epilogue setup the future storyline and I can't freakin wait! Nice job J.N. Chaney and Jonathan P. brazee. Keep up the great work! Loved it and the narrator was a very good story teller and I felt like I was part of the story. As others have said, it's the best in the series to date. Keep them coming, fellas. another great entry in an epic series If you've come this far, you know it's good. Pick it up and enjoy. This entry blew me away even more than the last five. Probably the best book since the first! It's here at last! An incredible sequel to my favorite series of 2021. Thank you both for the great job. I can't wait for book 7. Terrible ending to this book Unbelievably abrupt ending for characters we've invested time in knowing for multiple books. Epilog has NOTHING to do with this book's story line and shares NOTHING about this book's characters. Epilog is merely a blatant effort to try and get us to buy more books. Man I love this series You guys keep pulling it out, the series has evolved so much since the first book. Love it Narration rocks it out of the park as well

See all ii Accounts Investing with ii Transferring to ii Regular Investing ii SIPP Open a SIPP Transfer My Pension SIPP Charges SIPP FAQs Pensions & Retirement Hub Advanced Investing Ideas & Tools ii Super 60 Investments Quick Start Funds Winter Portfolios Trading Tips and Ideas ii ACE 30 Investments Virtual Portfolio Trading Join Us Aston Martin stuck in reverse as shares crash again by Graeme Evans from interactive investor | 7th January 2020 14:24 Ranking as one of the most disappointing IPOs of all time, Aston is struggling to stop the rot. Aston Martin Lagonda (LSE:AML) shares spluttered again today after poor Christmas trading triggered the luxury car maker's second profits warning since its ill-fated and overpriced IPO in 2018. The 15% fall to 440p unwound a chunk of the gains seen in recent weeks after speculation that billionaire and Formula One motor racing financier Lawrence Stroll might be preparing to take a significant stake in the business. Aston Martin confirmed today that it remains in discussions with potential strategic investors, without naming the parties. The prospect of equity investment means possible dilution for shareholders, who have already seen the value of the company collapse by 75% since the IPO priced shares at a lofty 1,900p just 15 months ago. The decision of investors to either sell up or steer clear since then was endorsed by today's unscheduled trading update, with CEO Andy Palmer describing 2019 as a "very disappointing year" after core wholesale volumes declined by 7% to 5,809. Challenging trading conditions continued into the peak delivery period of December, resulting in lower sales, higher selling costs and weakening margins. Source: TradingView Past performance is not a guide to future performance For the 2019 financial year, this will now mean underlying earnings of between £130 million and £140 million with a margin of 12.5%-13.5%, compared with 22.1% the previous year. The company posted underlying earnings of £247 million in February's maiden results. The decline also reflects a reliance on customer financing support, as well as the impact on its average selling price from a shift towards the Vantage model from higher priced versions. In addition, December's post-election rally in sterling has increased FX headwinds. Aston Martin has responded with a cost saving programme alongside a focus on returning dealer stock levels to those more normally associated with a luxury company. There are some bright spots in today's update, however, with the order book for its DBX sport utility vehicle building rapidly to about 1,800 cars since its launch in Beijing in November. The family-focused car will enter the UK's already crowded 4x4 marketplace at a price of £158,000. Manufacturing is at the new St Athan facility in South Wales, with production due to start in the second quarter of this year. The DBX has long been central to Palmer's drive to position the company for longer-term growth by increasing the manufacturing footprint and expanding the product range beyond the three current core models — the DB11, Vantage and DBS Superleggera. His plan also includes the company's first full electric vehicle, the Rapide E, which is scheduled for launch in 2020. The Gaydon-based company will also be looking for a little help from 007 over the next year as four Aston Martins are set to feature in the next James Bond film, which is due for release the first half of 2020. DBX investment in the St Athan plant and in future products means that net debt for the year-end is expected to be around £880 million, up from £560 million at the end of 2018. The company recently bolstered its balance sheet through a US$150 million debt raise, although as this came with a 12% coupon the net interest guidance for 2019 has risen to £83 million. 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B.C. Minister of Mental Health and Addictions Judy Darcy speaks during an announcement at the site where a new mental health and addictions centre will be built, in Coquitlam, B.C., on Friday November 17, 2017. (Darryl Dyck/The Canadian Press) B.C. creates first guideline in Canada for treating alcohol addiction Guideline focuses on early prevention, including screening patients as young as 12 years old B.C. will soon roll out out a first-in-Canada guide to help treat people with alcohol addictions in an effort to curb a rise in high-risk drinking in youth Alcohol addiction is the most common substance use disorder in the province, according to the BC Centre on Substance Use. More than 20 per cent of British Columbians over the age of 12 are into heavy drinking, prompting calls for more early intervention. The goal of the guideline is to bridge the gap between research and practice and to manage and treat high-risk patients. "The health system has generally failed people who use alcohol," Dr. Keith Ahamad, an addiction specialist at St. Paul's Hospital who helped write the guideline, said at a news conference in Vancouver on Tuesday. "The result is our hospitals and emergency rooms are filled with individuals suffering a range of consequences of alcohol addiction. We're left managing the devastating effects rather than preventing and treating the addiction itself." The guidelines will be implemented by @BCCSU through a series of in-person seminars throughout the province, working with Doctors of B.C. and a free, self-paced course offered in partnership with UBC. — Ashley Wadhwani (@ashwadhwani) December 17, 2019 Roughly 17,000 people died due to alcohol in 2017, according to the most recent data available from the Canadian Institute for Substance Use Research at the University of Victoria. That's up 2,000 deaths from 2013. Ahamad said the guideline will help physicians, who are often the first point of contact for those concerned about their alcohol use, connect their patients to treatment more easily. The resource also includes a focus on how doctors can improve early screening and intervention for youth as young as 12 years old, before any high-risk drinking becomes more serious. "Traditionally, evidence-based treatment and recovery have not been well integrated and implemented into routine clinical care," said Cheyenne Johnson, the substance use centre's co-interim executive director. ALSO READ: Dying Indigenous man alleges BC Transplant's alcohol abstinence policy is racist Health Canada considers low-risk drinking to be up to 10 drinks a week for women, limited to two drinks per day, and up to 15 drinks a week for men, limited to three drinks a day. The guideline was created by a committee of 43 clinicians and researchers in B.C., as well as people with lived experience, and will be updated every three years. Researchers will also create additional guideline components for Indigenous people and women who are pregnant. Student, impersonator arrested for alleged cheating during final exams at SFU Itchy bears, rogue balloons and a nosy neighbour: B.C's most memorable power outages of 2019 VIDEO: Fire closes 16th Avenue between 248th and 256th Streets in South Langley Crews direct commuters to use an alternate route VIDEO: Langley rapper, C2B, readies for the release of new music video 'Glass' Single was inspired by the opioid crisis in Vancouver's downtown Eastside VIDEO: B.C. mom shares 'insane' experience of viral dinosaur video Tabitha Cooper filmed her costumed sons meeting their grandma at the Victoria International Airport

My.PressClub. Login. PressClub Canada · Article. BMW Motorrad presents new custom bike: The Blechmann R 18. 21.08.2020 Press Release Bernhard Naumann, also known as Blechmann in the customizing scene, presents his version of the BMW R 18. Design issues, Concepts and Studies Press Contact. Belcourt Marc send an e-mail Attachments(1x, ~529.36 KB) Photos(14x, ~176.25 MB) Salzburg, 21 August 2020. A strong character needs a strong name. "Blechmann" is a name as strong as metal. It is also the nickname of Bernhard Naumann, a renowned customizer from Austria. Together with BMW Motorrad he presents his latest creation: The Blechmann R 18. With the new BMW R 18, BMW Motorrad presented the brand's first series production bike for the cruiser segment in April 2020. Like no other BMW motorcycle before it, this model stands entirely in the tradition of historical BMW motorcycles – both technically and with regard to its design. It is based on illustrious models such as the BMW R 5 and shifts the focus back to the motorcycle essentials. Reason enough for Bernhard Naumann to change as little as possible on the frame and the technology and to use only the original mounting points for the creation of the Blechmann R 18. The Blechmann R 18 in detail. When starting off with a new creation, Bernhard Naumann never uses sketches in advance. He gathers his inspiration while working on the bike itself. "I draw my design directly on the object using the final material. This allows me to directly respond to the requirements and to keep an eye on the proportions at all times", explains the designer. For the Belchmann R 18, he initially "put the cart before the horse" in order to be able to correctly assess the proportions for the front fairing. The sporty single-seater is based on the original supporting structure of the rear fender, seat and pillion. The rear light is from Kellermann. The fuel tank has been extensively modified: For one thing, it is narrower making it sportier and exposes the engine even more. On the other hand, it features knee cut-outs, which further support the athletic line. The original steering tube was used as the basis for the stub handlebar. Next, Blechmann customized the headlights. As with his last BMW custom bike "Giggerl", a conversion of the BMW R nineT, the headlights were to have a subtle kidney-shaped design this time. Analogous to the classic boxer engine, Blechmann placed a filament lamp prominently in the center. Here, too, the steering angle and the forward-tilted headlamp determine the basic layout of the custom bike. Bernhard Neumann perfected his personalization efforts with discreet black paint and classic white BMW Motorrad pin-stripes. In total, the team around Blechmann worked 450 hours on his version of the BMW R 18. Defining customizing. Blechmann does not perceive his work to be that of a classic customizer. "My work begins by removing parts of the original version until a white canvas remains. As the construction progresses, the design develops. I call this 'rapid-prototyping-Blechmann-style' ", says the customizer. This is what makes his workshop unique. Mostly, Blechmann works alone on his craftsmanship and designs. If necessary, he gets support from hand-picked professionals. "You can't do anything in this world on your own. I am more than glad to have a reliable personnel infrastructure". You will find press material on BMW motorcycles and BMW Motorrad rider equipment in the BMW Group PressClub at www.press.bmwgroup.com. In case of queries, please contact: Dominik Schaidnagel, BMW Motorrad Communications Telephone: +49 89 382 50181, E-Mail: [email protected] Tim Diehl-Thiele, Head of Communications BMW Motorrad Telephone: +49 89 382 57505, E-Mail: [email protected] Jennifer Treiber-Ruckenbrod, Head of Communications MINI and BMW Motorrad Telephone: +49 89 382 35108, E-Mail: [email protected] The BMW Group With its four brands BMW, MINI, Rolls-Royce and BMW Motorrad, the BMW Group is the world's leading premium manufacturer of automobiles and motorcycles and also provides premium financial and mobility services. The BMW Group production network comprises 31 production and assembly facilities in 15 countries; the company has a global sales network in more than 140 countries. In 2019, the BMW Group sold over 2.5 million passenger vehicles and more than 175,000 motorcycles worldwide. The profit before tax in the financial year 2019 was € 7.118 billion on revenues amounting to € 104.210 billion. As of 31 December 2019, the BMW Group had a workforce of 126,016 employees. The success of the BMW Group has always been based on long-term thinking and responsible action. The company has therefore established ecological and social sustainability throughout the value chain, comprehensive product responsibility and a clear commitment to conserving resources as an integral part of its strategy. www.bmwgroup.com Facebook: http://www.facebook.com/BMWGroup Twitter: http://twitter.com/BMWGroup YouTube: http://www.youtube.com/BMWGroupView Instagram: https://www.instagram.com/bmwgroup LinkedIn: https://www.linkedin.com/company/bmwgroup/ Show entire text Article Offline Attachments. BMW Motorrad presents new custom bike: The Blechmann R 18. PDF, EN, 529.36 KB Article Media Material. My.PressClub Login BMW Group Streaming LAS VEGAS CES 2022. Here you can see our webcast with the press conference and the innovation highlights. Open Streaming Page Latest Facts & Figures. MY22 ALPINA B8 Gran Coupé Product Guide. Electromobility market shares (Info-graphics) BMW Group opens the biggest New Regional Parts Distribution Center in Korea outside Germany The All-New BMW X4 M40i. BMW i patent powers eBike. Innovative drive unit swing arm goes into production at the Pedelec fa... Further News for: Design issues, Concepts and Studies · R 18 Support Links Imprint Legal Notices Privacy PolicyCookies RSS Feed Top-Topic

D.C. Presswire Press Releases for Washington, D.C. "Tiger King" Joe Exotic Finds God in Prison, Requests Presidential Pardon in Letter to Josh Belcher Uncharted Podcast The Josh Belcher Uncharted Podcast Exotic says he has become a minister in prison, shares his thoughts on the death of George Floyd, blames politicians and Hollywood for America's race issues. I have the platform. I have the mouth. And I truely [sic] believe I can unite THIS nation without politics." — Joe Exotic NASHVILLE, TN, USA, July 30, 2020 /EINPresswire.com/ — On today's episode of the Josh Belcher Uncharted Podcast, Belcher reads another exclusive letter from "Tiger King" Joe Exotic. This is the 2nd letter received from Exotic in prison, following the 3-page, single-spaced, handwritten letter received in early June and read at Exotic's request on Episode 51.5 (June 3). In his new 3-page handwritten letter, dated July 15, Exotic says he has been baptized in prison and has become a minister. He shares his thoughts on the death of George Floyd and declares that "this is not a race problem." He goes on to blame politicians, Hollywood, canceled TV series Live P.D., and "a bad police system" for the race issues and accusations of police brutality dominating today's news cycle. According to Exotic, the only solution is to overhaul the system and "change laws and give this country back to the people," and he believes he can lead such a movement. "I have the platform," writes Exotic. "I have the mouth. And I truely [sic] believe I can unite THIS nation without politics. But I need our President to stand against corruption and make this right and pardon me sooner than later, so I can be a live face of change." He then gives a directive to fans… "Start a movement on Trump's Twitter to pardon me and give me a chance to help save America. Be my voice." Joe Exotic (aka Joseph Allen Maldonado-Passage) became a household name earlier this year when Netflix released an eight-part documentary, Tiger King: Murder, Mayhem and Madness. In 2019, Joe was convicted on 17 federal charges of animal abuse and 2 counts of murder for hire, for a plot to kill Big Cat Rescue CEO Carole Baskin. He is currently serving a 22-year sentence in federal prison. In his original letter, Exotic detailed new evidence that "2 Assistant U.S. Attorneys, 2 FBI agents and a federal wildlife agent all conspired to commit perjury." He also claimed he was being abused in prison, saying "I have scars from the skin coming off of my arms from being strapped in a chair so tight and so long just for demanding answers." The new episode of the Josh Belcher Uncharted Podcast is available now at https://anchor.fm/joshbelcheruncharted. The Josh Belcher Uncharted Podcast covers entertainment, music and comedy. Previous guests include Charlie Daniels, John Schneider, Mickey Dolenz, Caroline Jones, Uncle Si Robertson, Victoria Jackson, James Burton, Henry Cho, Matisyahu, Steve Wariner, Dusty Slay, Heather McDonald, Alice in Chains' William Duvall, Jeff Allen and many more. Connect with the Josh Belcher Uncharted Podcast: https://www.facebook.com/JBUPod/ https://www.instagram.com/jbupod/ Brian Mayes Nashville Publicity Group Author EIN PresswirePosted on July 30, 2020 Previous Previous post: Digital Money Transfer & Remittances Market 2020 Global Trend, Segmentation and Opportunities, Forecast 2025 Next Next post: Attorney Aaron Schlossberg Further Discusses the New York City Moratorium on Eviction Proceedings Federal Appeals Court Rejects Puerto Rico's Challenge to Anti-Animal Fighting Law January 15, 2021 David Walker Green Beret Discusses Why He Joined An All-Veteran Hedge fund January 15, 2021 MERIDIAN BARRIERS PROTECT COVID-19 VACCINATION CENTER January 14, 2021 Freedom of Speech Muzzled January 14, 2021 Investigation Reveals North Carolina Cockfighters Among Top Traffickers of Animals to Guam, Other Far-Flung Destinations January 14, 2021 Social Distance Compliance; The Economy Will Not Survive Without It January 14, 2021 2021 UK Spouse Visa: signs that you need legal assistance January 14, 2021 InDOGural Episode of New Dog Edition Podcast Focuses on Dogs Returning to the White House January 14, 2021 tip411 Technology Helps Atlantic City, New Jersey Police Arrest 95 Rioters and Looters January 14, 2021 Kentucky Coalition Against Domestic Violence to Capitol Rioters: Not in Our House January 13, 2021 Ghanaian American Author Marjy Marj's Book on Race, Diversity and Unity to be Featured by South Carolina State Library January 13, 2021 Brand Drug Prices Rise Through the First Ten Days of January January 13, 2021 Psychiatric Drugs and Side Effects – The Unseen Hand Behind Violence in America January 13, 2021 Marjy TV Interviews One Of The First Female Secret Service Agents January 12, 2021 TRUMP'S TEXAS WALL A FAR CRY FROM SAN DIEGO-TIJUANA BORDER SOLUTION January 12, 2021 3M Health Information Systems Joins the Population Health Alliance January 12, 2021 RBC WEALTH MANAGEMENT, CITY NATIONAL BANK JOINS NATIONAL VETERAN BUSINESS DEVELOPMENT COUNCIL AS CORPORATE MEMBERS January 12, 2021 Acclaimed Author, Steven Markoff, New Political Book about George W. Bush Praised by Kirkus Reviews. January 12, 2021 United States Government Refuses to Offer Accused War Criminal Immunity After Campaigning by Emadeddin Muntasser January 12, 2021 Will I react to the Moderna COVID-19 vaccine if I have facial fillers? January 12, 2021 Preventing Tobacco Addiction Foundation Evaluates Statewide Tobacco 21 Laws January 12, 2021 Routemotion Develops Wine Travel Card Digital User-friendly App January 12, 2021 Can My California Employer Fire Me for Smoking Marijuana? January 11, 2021 Reps. Quigley and Fitzpatrick Applauded for Reintroduction of Big Cat Public Safety Act Featured in "Tiger King" January 11, 2021 Announcing the 2021 LionelNation Channel January 11, 2021 D.C. Presswire Proudly powered by WordPress

Inauguration of GRSE KPDD Unit, Kolkata Towards development & utilisation of three existing dry docks of Khidderpore as part of the Concession Agreement signed with Syama Prasad Mookerjee Port Kolkata (SMPK), Garden Reach Shipbuilders and Engineers Limited (GRSE), a Mini Ratna Category 1 Defence PSU and a leading warship building company of India and SMPK today jointly inaugurated the GRSE-KPDD (Khidderpore Dry Dock) Unit in Kolkata. The facility was inaugurated in the august presence of Rear Admiral VK Saxena, IN (Retd.), Chairman & Managing Director, GRSE and Shri Vinit Kumar, IRSEE, Chairman, SMPK and senior officials of GRSE & SMPK. Under the agreement, both GRSE & SMPK shall look forward towards developing a dynamic partnership in exploring new business opportunities in Ship repair & refit of Defence & commercial segments, leading to revenue generation and contributing to skill development, infrastructure upgrade and employment generation in Kolkata. On the occasion Rear Admiral VK Saxena, Chairman and Managing Director, GRSE, said, "As part of the investment promotional activity of maritime India, this agreement aims to play a significant role towards growth plans for both the organisations and effective utilisation of the three existing docks at SMPK. The close proximity of GRSE with SMPK is an enhancer to the successful take off of this project as approximately 400 vessels operate in the Hooghly river and on the Indo-Bangladesh shipping route. Also, authorities handling smaller vessels may prefer to have dry docks in close proximity of their operational area. GRSE's proven expertise in carrying out construction, conversion and repair of over 4000 Naval & Merchant vessels during Second World War and building 788 platforms including 107 warships till date are the testimonies to the success of this new collaboration." Highlighting the importance of newly formed GRSE-KPDD Unit, Shri Vinit Kumar, Chairman, SMPK said, "This collaboration between GRSE and SMPK aims to provide prospects for ship repair business in the eastern region considering large number of inland vessels operating in this shipping route. This alliance also shapes new dimension towards revenue generation, development and perennial relationship with SMPK and GRSE's expertise in shipbuilding and design arena gives it an edge over other players in the industry." Earlier in the month of October this year, GRSE & SMPK signed a Concession Agreement to undertake the development & utilisation of the 3 existing Dry Docks of SMPK at Khidderpore, Kolkata. The project envisages upgrading, operating and managing the infrastructural facilities at these docks towards their effective utilization. Shares of Garden Reach Shipbuilders & Engineers Limited was last trading in BSE at Rs. 235.70 as compared to the previous close of Rs. 220.35. The total number of shares traded during the day was 54254 in over 1475 trades. GardenReachShipbuildersandEngineersLimited INE382Z01011 GRSE Inauguration Khidderpore DryDock

MAE Fall 2021 Capstone Projects by Nothstine, Skyler Seniors in the Department of Mechanical and Aerospace Engineering at Mizzou conclude their coursework with a capstone project. Through these capstone projects, they apply what they've learned in their classes to design and develop a prototype of a product that solves a real-world problem. Students work together in teams to design, manufacture and test the […] A Mizzou Engineering team is developing a system that will monitor vital signs and may someday be able to alert people when they need to seek medical care. The system includes a finger clip with two sensors that use optical light to penetrate blood vessels, said Jian Lin, associate professor and William R. Kimel Faculty [...] by Engineering Admin Researchers at the University of Missouri are customizing a commercial finger clip device to provide a rapid, noninvasive way for measuring and continually monitoring blood pressure. By Eric Stann | MU News Bureau Monitoring a person's blood pressure on a regular basis can help health care professionals with early detection of various health problems such [...] Robots, plastics and cows: Top 10 research stories of 2021 What do robots, plastic bottles and cows have in common? They all top Mizzou Engineering's list of stories in 2021. Here are our top 10 research stories of the year. SPOT It marched. It twerked. It caused international hoopla. A video of Spot went viral in October after the four-legged robot performed alongside Marching Mizzou [...] Guidoboni shares intersections of engineering, precision health Associate Dean for Research Giovanna Guidoboni presents at the NextGen Precision Health Discovery Series. From the development of home sensors that monitor vital signs to computational modeling of the human brain, there are numerous intersections between engineering and health care. That's why Associate Dean for Research Giovanna Guidoboni urged faculty across campus to partner with [...] Breathtaking: Students describe working in zero gravity conditions Nathaniel Grindstaff, Abigail Penfield, Run "Elle" Yan and Ymbar Polanco Pino work in zero gravity conditions. Floating in place. Levitation. Space paralysis. Those were some of the ways students described existing in a zero-gravity environment following their November trip to G-FORCE ONE in Florida. "It's so unearthly," said Ymbar Polanco Pino a senior majoring in [...] Clark recognized with 2021 Faculty Alumni Award from Mizzou Alumni Association This story is part of a Mizzou Alumni Association series recognizing 2021 Faculty Alumni Award honorees. JOHN CLARK, BS ME '62, MBA '75 While flying a reconnaissance mission in 1967, John Clark — an Air Force captain at the time — was shot down over North Vietnam, surviving six years as a prisoner of Hỏa Lò, later [...] Creating an artificial material that can sense, adapt to its environment Researchers at the University of Missouri and University of Chicago have developed an artificial material, called a metamaterial, which can respond to its environment, independently make a decision, and perform an action not directed by a human being. For example, a drone making a delivery might evaluate its environment including wind direction, speed or wildlife, [...] Clinical trial testing automatic oxygen control device for premature infants Eric Stann / MU News Bureau The consequences are dire for the health of a premature baby — too much oxygen can cause blindness, and too little oxygen can cause brain damage and other negative health effects. Some premature babies need the help of life-saving machines in a neonatal intensive care unit, or NICU, to [...] Mizzou Engineering team discovers method to control sound waves in the fourth dimension Professor Guoliang Huang and graduate student Hui Chen show off the three-dimensional structure they created to observe audio waves in the fourth dimension. Using a type of material that conducts electricity on the edges while insulating the inside, a Mizzou Engineering team has discovered a way to control sound waves beyond our three-dimensional environment. Guoliang [...]

Home » Slain's Mother Shares Some Shocking Photos Of His Dog Mourning After His Burial!! Slain's Mother Shares Some Shocking Photos Of His Dog Mourning After His Burial!! By Downloadhub on September 3, 2021 Dogs are termed to be one of the most faithful in the world. Recently some pictures went viral, where featuring the painful mourns of a dog at his master's funeral. After his master took his last breath, his dog was spotted crying over his burial. The pet's action proved that he was indeed his best companion. The pet showcased his emotions through this heartbreaking gesture. James William "Will" Warner stepped into a trap of a deadly accident and he was shot dead this month. While his mother was broken into pieces, there was another soul who was completely devastated, his beloved pet dog. The tragic incident took place this month, which squeezed out life from the 23-year-old from Shelbyville, Tennessee. However, he was not the only one to step into the scene. His girlfriend too got involved in the incident and acquired some severe injuries, though she managed to save her life. My World Broken Into Pieces!! The death news of Warner turned out to be the most painful shock for his family. His mother burst out in tears and expressed her deep sorrow. He quoted, "My world has broken into tons of pieces." She showered praises for her son and highlighted how larger than life her son's character was. Dog Got Devastated On His Master's Death!! Warner shared an incredible relationship with his dog. So, the emotional bonding between the two dragged the pet closer to his master. He tried to position himself in the arms of his master, lying down on the burial plot. The dog bids final goodbye to Warner and burst into tears, which stunned the netizens. The pictures of Ace and his master, Warner, showcase the insane bond between the two and define what true love means. The clips and photos went viral, and the audiences were greatly moved by the scene. Some titled Ace "faithful friend and the most loyal companion", while few wanted to have a pet like him. Online Reactions!! The dog's heart-touching reaction to his master's death at Mt. Lebanon Cemetary compelled the netizens to share their active support to his family. An individual showered prayers for his family and friends. While the others were shocked by the incident, and quoted, "Such a tragic incident!! As a mother, I can't even imagine!! Our condolences." Someone also shared their views and quoted the family will surely get justice for what happened. He said, "I am sorry for the loss. Losing a son is one of the hardest things that can happen. Praying for peace for your entire family and may justice come swiftly." Published in Entertainment

10 Battered Tech Stocks to Buy Now James Brumley InvestorPlace September 11, 2019 The stock market, incredibly enough, is holding its own after a small stumble last week. Although not in full-blown rally mode, treading water while investors take some time to reassess where things are is a type of win in-and-of itself. Still, some groups have been hit harder than others, and some names within certain groups are lagging their sector-based benchmarks. Tech stocks are among the names that lost the most ground since the market-wide July peak. They've also been less than impressive on the way back up, held back by some names more so than others. 10 Stocks to Sell in Market-Cursed September Not all of those laggards are necessarily names not worth owning, though. In fact, their recent weakness has made some of the top tech stocks even bigger and better bargains. InvestorPlace - Stock Market News, Stock Advice & Trading Tips Here's a rundown of the market's top tech stocks to buy while trading at beaten-down prices. Broadcom (AVGO) Broadcom AVGO Source: Sasima / Shutterstock.com It has hardly been a disaster, but the 11% setback Broadcom (NASDAQ:AVGO) shares have suffered since their April peak is decidedly sub-par. Yes, fears about the trade impasse with China were a key part of this weakness, though not just fears of a slowdown. The company warned investors in June that the ban on doing business with Huawei Technologies would ultimately shave $2 billion worth of revenue off of its top line this year. The trade war is also pegged as the reason Broadcom was blocked from acquiring Qualcomm (NASDAQ:QCOM) … a deal that would have proven a boon here at the advent of 5G connectivity. Capitalism finds a way. Even if the trade meeting planned between President Donald Trump and China's President Xi Jinping for October isn't progressive, analysts are still modeling slow and steady profit growth for this year and next. Per-share earnings should be up 10% next year. FireEye (FEYE) Source: Michael Vi / Shutterstock.com As of December, it looked like FireEye (NASDAQ:FEYE) had finally escaped its funk. Fueled by continued sales growth and a move deeper into operational profitability, at the time, FEYE stock was up nearly 90% from its early 2017 lows. The market changed its mind once again though. Despite the fact that the cybercrime and hacking threat only worsens every year, investors sold off their stakes in the small cybersecurity name. Since December, FireEye shares have fallen 30%. The tepid guidance issued as part of last quarter's earnings report accounted for a sizeable chunk of that weakness. 7 Low-Risk Mutual Funds to Buy Now The pullback may have created an opportunity to step into a now-undervalued name, however. As Bank of America's Tal Liani opined after FireEye's quarterly report, the phase-out of its third generation product and launch of its fifth-generation product is all but complete, setting the stage for a full recovery of gross margins. Source: Shutterstock Citrix Systems (NASDAQ:CTXS) allows enterprises and institutions to get more out of their IT infrastructure. More than just networked computers, Citrix offers tools and apps to let teams collaborate and communicate. The market for such platforms is robust, but so is the competition. Citrix perpetually seems to be a step ahead of the others, securing the best deals. Case in point? Last month, Citrix Systems announced it would be the name to develop a "desktop as a service" solution for software giant Microsoft (NASDAQ:MSFT). Partnerships like that are the reason the company has been able to make slow and steady progress. Subscription-based revenue, up 41% a quarter ago, adds more stability to its top and bottom lines. CTXS stock is down 18% since the end of August of last year, but now valued at less than sixteen times next year's projected earnings, the worst may all be in the past. Dell Technologies (DELL) Yes, this is the same Dell Technologies (NYSE:DELL) that was started by Michael Dell in 1984, only to be taken private in 2013. Through a complicated corporate structure involving VMware (NYSE:VMW), it became a publicly-traded entity again. The backstory seems irrelevant given the weak demand for personal computers right now. Except the environment isn't as weak as it seemed to be as recently as the first quarter of this year … at least not for Dell. Though last quarter's top line was only up 1%, it was up 1% when most of its rivals saw their sales decline. Earnings of $2.15 per share of DELL stock also trounced estimates for a profit of only $1.50. 10 Buy-and-Hold Stocks to Own Forever As Raymond James analyst Simon Leopold put it, Dell is "a nice house in a tough neighborhood." II-VI (IIVI) 5 Low-Priced, High-Potential Tech Stocks to Buy When most investors are looking for tech stocks to buy, II-VI (NASDAQ:IIVI) isn't a name that often comes to mind. Indeed, II-VI likely isn't even a name most investors have even heard of. Aside from the odd moniker, with a market cap of only $2.4 billion, the optoelectronic components company doesn't get much in the way of the media's attention. Don't let its small size fool you. II-VI packs a punch. Last quarter's top line improved to the tune of 13%, and operating profits grew 29%. Disappointing guidance negated those strong quarterly results, allowing a long-standing dry spell for IIVI stock to grow a little longer. Shares are now priced at 25% less than early-2018 peak value. With more of the same kind of earnings and profit growth translating into a forward-looking P/E of 11.65, II-VI looks like a lower-risk, bargain-priced pickup particularly now that it's going to merge with Finisar (NASDAQ:FNSR). Oracle (ORCL) Source: Jonathan Weiss / Shutterstock.com All too often, Oracle (NYSE:ORCL) appears to be a proverbial punching bag. From being criticized for not offering 'real' cloud-based solutions to being on the wrong side of a legal argument with the Defense Department to downplaying its own MySQL platform if hosted by a competitor, the company can't catch a break. Yet, the stock continues to march forward. It's anything but a straight-line march. After rallying from its late-2018 low near $43 to the July high near $60, ORCL stock fall back to nearly $51 last month. Now it's approaching $55 again. 8 Precious Metals Stocks to Mine For If you can stomach the headline-driven volatility, these dips have proven great entry points. That may have something to do with the fact that Oracle rarely fails to grow its top and bottom lines, regardless of alarming headlines. Teladoc Health (TDOC) Teladoc Health (NYSE:TDOC) isn't profitable and probably won't be for a long, long time. Ergo, it's not a holding that's right for everybody's portfolio. If you understand the risks and nuances involved with a young startup though, TDOC stock has earned a spot in a list of stocks to buy for the story, even if not for the results. Teladoc Health, in simplest terms, offers virtual doctor's visits by using the internet to allow patients to make video calls to physicians. The company's doctors can even write prescriptions for users of the service. It's certainly out of the ordinary, or was anyway. It has quickly becoming the norm, so much so that Walgreens Boots Alliance (NASDAQ:WBA) has launched an app to help its customers find a telehealth option that's often more convenient than going to a clinic. Further validating the idea is raw growth. Teladoc's top line is on pace to grow 30% this year, and 25% next year. ServiceNow (NOW) Last week, information technology sector research outfit Gartner put software company ServiceNow (NYSE:NOW) in its so-called magic quadrant … for the sixth year in a row. The accolade means not only is ServiceNow's core product a game-changer, but the company also delivers IT service management better than any other players in the same sliver of the tech world. Gartner's lofty opinion doesn't inherently make NOW stock a buy. But, in some regards, ServiceNow's results reflect how Gartner feels. This year's revenue is projected to be up nearly 33%, while next year's is forecasted to improve almost 29%. Earnings are growing commensurately with revenue. 7 Cheap Energy Stocks to Buy as the Sector Lights Up It's also worth noting that, despite the 17% setback since its mid-July peak, analysts still collectively feel NOW stock merits a price target of $317.72. That's 25% better than the stock's present price. HP (HPQ) HP (NYSE:HPQ), the consumer-facing half of 2015's split from the entity that would also spawn Hewlett Packard Enterprise (NYSE:HPE), has been more than a little roughed up lately. Tepid PC demand has dragged HP stock from its late-2016 peak of $85.76 to a multi-year low of near $36 earlier this month. The bounce back to the current price of $43 only wipes away a tiny portion of that loss. Bernstein analyst A.M. Sacconaghi made an interesting and valid point this week though, suggesting the sentiment surrounding HP stock was so pessimistic that it also serves as something of a floor. It's valuation certainly helps on that front. Although its future is fuzzy, priced at only seven times its trailing profits and a modest 8.5 times next year's expected earnings, investors have more than priced in the most extreme of headwinds. Cognizant Technology Solutions (CTSH) Finally, add Cognizant Technology Solutions (NASDAQ:CTSH) to your list of tech stocks to buy after an unnecessarily severe selloff. As of the latest look, even with the rebound from its May low near $57, CTSH stock's current price around $64 is still 25% less than where shares were trading in March of last year. The selloff has nothing to do with a lack of growth or value though. While the all-purpose IT outfit has never been a high-growth machine, single-digit sales growth has been reliable for years thanks to the company's stature as, in Forrester Research's words, "a strong choice for a broad range of modernization and migration tasks, including accelerated cloud migration." Top-line growth should perk up again next year as well. The real hook here, however, is the stock's valuation. Priced at less than 15 times next year's expected earnings, there's a reason shares have already stopped falling and started testing the water of higher highs. As of this writing, James Brumley held a long position in FireEye. You can learn more about James at his site, jamesbrumley.com, or follow him on Twitter, at @jbrumley. More From InvestorPlace 2 Toxic Pot Stocks You Should Avoid 7 of the Worst IPO Stocks in 2019 7 Best Stocks That Crushed It This Earnings Season The post 10 Battered Tech Stocks to Buy Now appeared first on InvestorPlace. Netflix's Decline Emphasizes Limited Value of Users Overseas The Zacks Analyst Blog Highlights: Citrix Systems, Southwest Airlines, Comcast, Travelers Companies and Intuitive Surgical These Tampa Bay companies received perfect scores on the Human Rights Campaign's equality index GLOBAL MARKETS-Risk assets slip on Chinese virus anxiety Publix, three other Tampa Bay companies make Fortune's 'Most Admired' list Technology Leads U.S. Stock Advance; Oil Tumbles: Markets Wrap IBM stock ticks higher as analysts debate merits of Red Hat on Big Blue's future

Daily Ratings & News for Sealed Air Complete the form below to receive the latest headlines and analysts' recommendations for Sealed Air with our free daily email newsletter: Canopy Growth (CGC) – Investment Analysts' Weekly Ratings Changes -$0.56 Earnings Per Share Expected for EXACT Sciences Co. (NASDAQ:EXAS) This Quarter Ergo (EFYT) Trading Down 57.1% This Week B2Gold Corp. (TSE:BTO) Receives Consensus Recommendation of "Buy" from Brokerages Brokerages Set Apyx Medical Corp (NASDAQ:APYX) PT at $8.00 Macquarie Group Ltd. Sells 900 Shares of Sealed Air Corp (SEE) Macquarie Group Ltd. lowered its holdings in Sealed Air Corp (NYSE:SEE) by 16.1% during the 4th quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund owned 4,700 shares of the industrial products company's stock after selling 900 shares during the period. Macquarie Group Ltd.'s holdings in Sealed Air were worth $163,000 at the end of the most recent reporting period. Several other institutional investors and hedge funds have also made changes to their positions in SEE. Bank of New York Mellon Corp lifted its position in Sealed Air by 26.4% during the third quarter. Bank of New York Mellon Corp now owns 3,068,358 shares of the industrial products company's stock valued at $123,195,000 after purchasing an additional 640,351 shares in the last quarter. CI Investments Inc. lifted its position in Sealed Air by 7.1% during the third quarter. CI Investments Inc. now owns 529,450 shares of the industrial products company's stock valued at $21,257,000 after purchasing an additional 35,300 shares in the last quarter. Dimensional Fund Advisors LP lifted its position in Sealed Air by 9.2% during the third quarter. Dimensional Fund Advisors LP now owns 989,665 shares of the industrial products company's stock valued at $39,734,000 after purchasing an additional 83,557 shares in the last quarter. Franklin Resources Inc. lifted its position in Sealed Air by 44.2% during the third quarter. Franklin Resources Inc. now owns 9,819 shares of the industrial products company's stock valued at $394,000 after purchasing an additional 3,011 shares in the last quarter. Finally, LPL Financial LLC lifted its position in Sealed Air by 39.5% during the third quarter. LPL Financial LLC now owns 19,675 shares of the industrial products company's stock valued at $790,000 after purchasing an additional 5,570 shares in the last quarter. 99.58% of the stock is currently owned by institutional investors. Get Sealed Air alerts: Shares of Sealed Air stock opened at $46.40 on Wednesday. Sealed Air Corp has a 52 week low of $30.22 and a 52 week high of $47.13. The stock has a market capitalization of $7.23 billion, a PE ratio of 18.56, a price-to-earnings-growth ratio of 1.92 and a beta of 1.14. Sealed Air (NYSE:SEE) last announced its quarterly earnings data on Thursday, February 7th. The industrial products company reported $0.75 EPS for the quarter, beating the Thomson Reuters' consensus estimate of $0.67 by $0.08. The business had revenue of $1.26 billion for the quarter, compared to the consensus estimate of $1.24 billion. Sealed Air had a negative return on equity of 104.71% and a net margin of 4.08%. The business's revenue was up 2.6% on a year-over-year basis. During the same period in the previous year, the business earned $0.58 earnings per share. As a group, sell-side analysts predict that Sealed Air Corp will post 2.72 EPS for the current fiscal year. The company also recently announced a quarterly dividend, which was paid on Friday, March 22nd. Investors of record on Friday, March 8th were given a $0.16 dividend. The ex-dividend date of this dividend was Thursday, March 7th. This represents a $0.64 dividend on an annualized basis and a dividend yield of 1.38%. Sealed Air's dividend payout ratio is currently 25.60%. SEE has been the topic of several research analyst reports. Zacks Investment Research upgraded Sealed Air from a "sell" rating to a "hold" rating in a research report on Tuesday, December 18th. TheStreet upgraded Sealed Air from a "d+" rating to a "c+" rating in a research report on Thursday, February 7th. ValuEngine upgraded Sealed Air from a "sell" rating to a "hold" rating in a research report on Tuesday, December 18th. KeyCorp restated a "hold" rating on shares of Sealed Air in a research report on Thursday, February 7th. Finally, Vertical Research downgraded Sealed Air from a "buy" rating to a "hold" rating in a research report on Friday, February 8th. Two equities research analysts have rated the stock with a sell rating, seven have issued a hold rating and five have issued a buy rating to the company. The company has a consensus rating of "Hold" and an average price target of $43.40. In other news, Director Harry A. Lawton III bought 1,000 shares of the firm's stock in a transaction that occurred on Tuesday, February 19th. The shares were bought at an average cost of $42.33 per share, for a total transaction of $42,330.00. Following the completion of the transaction, the director now owns 2,225 shares of the company's stock, valued at $94,184.25. The purchase was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this hyperlink. 0.63% of the stock is currently owned by insiders. ILLEGAL ACTIVITY NOTICE: This news story was first posted by The Lincolnian Online and is the sole property of of The Lincolnian Online. If you are viewing this news story on another website, it was copied illegally and reposted in violation of US & international trademark and copyright law. The correct version of this news story can be accessed at https://www.thelincolnianonline.com/2019/04/17/macquarie-group-ltd-sells-900-shares-of-sealed-air-corp-see.html. Sealed Air Company Profile Sealed Air Corporation provides food safety and security, and product protection solutions worldwide. It operates in two segments, Food Care and Product Care. The Food Care segment offers integrated packaging materials and equipment solutions to provide food safety, shelf life extension, and total cost optimization for perishable food processors in the fresh red meat, smoked and processed meats, poultry, and dairy markets under the Cryovac, Cryovac Grip & Tear, Cryovac Darfresh, Cryovac Mirabella, Simple Steps, and Optidure brands. Featured Article: 52-Week High/Low Receive News & Ratings for Sealed Air Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Sealed Air and related companies with MarketBeat.com's FREE daily email newsletter. Imperial Capital Weighs in on Walt Disney Co's Q3 2019 Earnings (DIS) Millennium Management LLC Lowers Stake in Synaptics, Incorporated (SYNA) Canopy Growth – Investment Analysts' Weekly Ratings Changes -$0.56 Earnings Per Share Expected for EXACT Sciences Co. This Quarter Ergo Trading Down 57.1% This Week B2Gold Corp. Receives Consensus Recommendation of "Buy" from Brokerages Brokerages Set Apyx Medical Corp PT at $8.00

Erin Murphy's opponents in the DFL race for governor include a sitting member of Congress, the mayor of Minnesota's second-largest city and other big party names, but this relatively low-profile state representative has quietly carved out a spot as a candidate to watch next year. A nurse from St. Paul who rode union activism into a political career, Murphy announced her bid last November — the first candidate for either party to get into the pivotal 2018 governor's race. Since then she's been on a marathon tour of Minnesota, speaking in living rooms and parks and marching in small-town parades as she pitches herself as the candidate best positioned to tackle the biggest issues of the moment, especially her top concern: health care. "I'm in the race with a lot of determination," Murphy said. "I feel like Minnesotans have entrusted me with a story, and with their hope for our future." DFL insiders keeping tabs on the developing race see Murphy as one of the strongest contenders for the party endorsement, which would be a major boost in what's likely to be a contested DFL primary next August. U.S. Rep. Tim Walz of Mankato has emerged as an early front-runner, and candidates or potential candidates like St. Paul Mayor Chris Coleman and Attorney General Lori Swanson are also people to watch. But Murphy's quiet, determined style is making an impact. It doesn't hurt that she's well-liked across the DFL base, especially among the activists who watched her rise from uncertain state legislator to House majority leader in 2013-14 on the strength of a personable approach that won her plenty of fans, even among Republicans. "I think clearly in her first or second term, that's when people started taking notice of her. In terms of: 'Wow, this person has something to say,' " said DFL Rep. Frank Hornstein of Minneapolis, who has not yet endorsed a candidate. First elected in 2006, Murphy early in her second term took a leading role in cutting a bipartisan deal to save the state's General Assistance Medical Care program after then-Gov. Tim Pawlenty vetoed its funding. Murphy called it one of her proudest moments in the Legislature. But in a time when Minnesotans are cleaved along political and geographic lines, Murphy faces a challenge in winning over voters who view the Legislature at large with frustration, and with rural voters who might be wary of a big-city politician's vows to listen to their concerns. "Erin Murphy has firmly embraced the radical, far-left wing of the Democratic Party," said Jennifer Carnahan, chairwoman of the Republican Party of Minnesota, in a taste of how the state GOP would treat Murphy if she emerges as a general election candidate. "She's far outside the mainstream of most Minnesotans, so it would make sense that she could gain some traction among Democratic convention delegates, particularly among their deeply divided field." Murphy's two years as majority leader coincided with full DFL control at the State Capitol. That period brought state income tax increases on the wealthy, a statewide minimum wage increase and the legalization of same-sex marriage and medical marijuana. Murphy said part of the reason she got in the race so early was to give her time to transcend some of the divisions that define state politics. "People say you can win a statewide race if you win the Twin Cities and the suburbs and the regional centers, but you can't govern that way," Murphy said. "And it's important for me to build on the relationships that I have with people all over the state." Murphy, 57, said she approaches conversations on the campaign trail like a nurse talking to a patient. After a decade in public office, she's still more comfortable listening to other people tell their stories before she shares her own. A Wisconsin native, Murphy was born in the small town of Columbus, near Madison, and spent her teenage years in Janesville. She was one of five children of a union autoworker father and a mother who worked in a canning factory and cleaned houses — jobs that, at the time, were enough to provide the family with a solidly middle-class life, she said. Murphy is eager to highlight those small-town roots and blue-collar upbringing on the campaign trail, seeing them as shared traits with the kinds of voters the DFL has struggled to win over in recent years. After beginning her nursing career in Wisconsin, Murphy and her husband, who runs a painting business, moved to St. Paul so she could work as a nurse on the University of Minnesota's transplant team. She later worked for the Minnesota Nurses Association, eventually serving as its executive director, giving her an up-close look at how deals are made at the Capitol. It was that work — and the frustrating experience of helping her mother navigate the health care system after a cancer diagnosis — that prompted Murphy to run for the state House. "When my mom got sick, she had to fight for coverage and care," Murphy said. "And that made me mad." In the Legislature, Murphy pushed for more money for Minnesota's health care programs, and now advocates for a switch to a single-payer health care system. She would extend the state-run MinnesotaCare insurance program to all residents, rather than just low-income people. Rep. Matt Dean, R-Dellwood, is one of the Republican candidates for governor. He and Murphy worked together on the General Assistance Medical Care deal; he said she kept a "cool head" during a particularly tense time at the Capitol. "I think particularly within health care, I think she and I probably both agree that the overly partisan responses are not good for our state, and they're actually not good for either party either now," Dean said. In addition to Murphy, Walz and Coleman, the DFL field for governor includes state Reps. Paul Thissen of Minneapolis and Tina Liebling of Rochester, and State Auditor Rebecca Otto of Marine on St. Croix. DFL Gov. Mark Dayton is not running again. Murphy's efforts on health care recently helped her land the first major labor endorsement of the race: from her old employer, the Nurses Association. Darin Broton, a public relations consultant and former DFL strategist who hasn't yet picked a favorite candidate, said long hours on the road helped Murphy build an early edge over bigger-name candidates in greater Minnesota and among party activists. But he said she'll have to work hard to get around a challenge that has flummoxed many legislators aiming for higher office. "If there's one thing that there's bipartisan support on, it's that no one likes the Legislature," said Broton, who isn't backing a specific candidate yet. "I think the fact that she was there, and part of leadership, during the government shutdowns — even though not of her doing — that's a piece she has to overcome." Murphy supports broader public investment in early education programs, rather than scholarships and vouchers she says can't keep up with demand. She wants to raise the state's minimum wage further, and protect workers from sexual harassment. But her work on health care is front and center in many of her colleagues' minds. Sen. Melisa Franzen, DFL-Edina, endorsed Murphy though she disagrees with her on single-payer health care. Despite that, Franzen said Murphy is most qualified to lead the state through a time of uncertainty in the federal government on health care issues. "Her background as a nurse is very relevant," Franzen said, "and how you tackle an issue with that perspective of going into triage, that's what makes her stand out as a leader, working with others as a team." Erin Golden is the statewide education reporter for the Star Tribune. She previously spent two years covering Minnesota politics and government and another two years covering Minneapolis City Hall. [email protected] 612-673-4790 golden_erin AFSCME forum marks the unofficial start of the campaign for Minnesota governor Seniors surge to Minnesota site to register for COVID vaccine • Coronavirus How to make an appointment to get the COVID-19 vaccine in Minnesota • Coronavirus Troubled north Minneapolis corner poses potential test of new public safety approach • Local Charges: Owatonna man threatened to kill police at last weekend's pro-Trump rally • Local Derek Chauvin's estranged wife would receive most of their assets in proposed divorce settlement • Local

The Heir Apparent: Largo Winch (2008) Script The Heir Apparent: Largo Winch Mr Winch. Good evening. Don't worry, I'm not after your money anymore. I've met someone who has offered me much more... To say goodbye. Goodbye for good, in fact. Exactly, go to hell! - After you, Nerio... Good evening, Mr Winch! This is him. Largo! What are you doing, son? And him? Josip! What are you doing here? You're not happy to see me? Hello, Freddy. - Hello Why didn't you say you were coming? I've always liked surprises. I'd like you to do something for me. Something important. (Mato Grosso State Brazil) When did you arrive? When are you leaving again? I'm heading up the river. How far up? It's a long river... I have plenty of time. Largo. Largo what? I don't do my invincibility tattoo for just anyone. The last man I did it for got shot at as soon as he stepped out of here. Some business over a girl... He stopped the bullet with his teeth! I have another one who stepped on a land-mine. Not a scratch on him... Just an eye to do and you'll be invincible... Hey! I haven't finished! Let go! Give her a kiss! She's a tough one. Let go, you fat pig! Let go! - Hi. Don't take it personally but I don't think you're her type. Invincible... There's an eye missing! Hey, fat pig! I could've managed alone. You want to manage alone? You know these guys? - A private militia. They must know I work for an NGO. They hate us. Back up! Is it fine here? I couldn't have managed alone. Lea. I really like your name. The militia are paid by multinationals. They watch over the workers, poor guys, dragged from their villages. They're treated like slaves. And the police? They're all corrupt. To the very core. Well, as my communist granddad always said, money buys everything. And what are you doing in this backwater? Wandering around. Where are you from with that odd name? It's a long story. This is Alexandre Meyer! I must speak with him immediatly... Do you know what time it is? Yes, I know what time it is! It's urgent! Mister Kosrsky... Nerio Winch died last night... I think they're waiting for Tokyo to close before announcing it. In that case there is no time to lose. You've travelled a lot, Mr Winczlav. Where's this from? It's not mine... It's not yours. Fifty years in prison! Fifty! The W Group remains the largest conglomerate of multinational companies ...ever held by one man. Originally from the Balkans, Nerio Winch was the perfect image of the self-made man. The businessman with Swiss, American dual nationality had recently established the headquarters of his group in Hong Kong, convinced that China was capitalism's new Promised Land. The preliminary clinical exams indicate that Mr Winch had a dizzy spell and fell into the water as a result of it... ... The announcement of Nerio Winch's death has thrown stock markets into confusion. A delicate situation for Ann Ferguson who has been Nerio Winch's right-hand for several years now... ... As number two in the group, I shall of course be acting temporarily as manager. There will be a general meeting of the shareholders next Monday to designate a new chairman. Mr Winch's passing is an immeasurable loss for the 392,000 employees. Use the underground car park. Nevertheless, I can guarantee that this group that he founded and that bears his name shall live on. I shall fight for that myself. This is war! There you go, exaggerating as usual. IMX, does anyone know that name? For the last three weeks, that investment fund has discreetly been buying up shares in the Group. Two hours before the announcement of Nerio's death, they'd snapped up everything available on the markets. It can't just be a coincidence. Who's behind it? The IMX head office is in the Cayman Islands... The perfect front... Buying up shares in the group, whatever for? It's a waste of time. Everyone knows that Nerio has a majority 65%. share in the group. Had. Do I need to remind you he's dead? We're defenceless. If we don't come up with a riposte by the end of the day, the group is heading for disaster. What does the temporary manager think? Hum, my dear William, I think that Nerio had come up with an excellent riposte. A son. Nerio never had children! An adopted son. Run, Largo! Run! Goran! Stop it, Dad! Goran, open the door! Where's Largo vanished to? This old dog knows all the tricks. I don't know him. Hannah and I never lied to you. We just wanted this to happen later. As late as possible. You don't love me. Never say that again! We've raised you as our own son. As long as there's breath in this body, you can count on me. Largo, your real father is him. Hello, Largo. You understand why I wanted you to grow up here far from the city. I'm the one who introduced Hannah to Josip. He came to see me in Switzerland. She was a waitress in the bar downstairs. I know all that. You know all that... It's time to prepare for the role that awaits you. What role? Later, my boy, later... What if I refuse? I remember that one of my old teachers used to say, "The road to excellence is gruelling but, Lord, it's so exhilarating!" Gentlemen, be excellent! Your parents have chosen Valmont to make you... A real fairy tale. Nobody knew about it? Not even you? Nerio's caution was legendary, as you know. I found out last night, when Jacques Wallenberg called me, the swiss lawer. He is Nerio's executor. I'm sure you'll agree that an inheritance of twenty billion dollars... is enougn to insight envy. In fact, the young man isn't even called Winch but Winczlav, Nerio's real name. So can we meet this heir? (Sao Jose Prison Mato Grosso State Brazil) My passport! Quick! Mr Winczlav! You are... - Passport! Freeze, I said! Largo? Freddy? You are free, Mr Winczlav! I didn't ask for your help. How would you manage? - I have my own way. They went that way! Move it! Find them! It's my car. I have my own way. I have my own way, ok! I don't like your own way. It's a while since I saw you. Three years. I've changed. I've learned stuff. Such as? Stuff Swiss schools don't teach. I really don't like your own way. Well, you haven't changed. I consider that a compliment. Never happy, huh? My foot's trapped! Don't stay here, Largo! Shut up! Tell Nerio, I'm too old to be brought home. Your father's dead, Largo. The Group's spokesman has admitted that Nerio Winch had been suffering from a brain tumor for the last few months Mister Winch... In the name of this hospital and as its director, I would like to express my sincere condolences. Before you father's cremation. I took the liberty of conducting a second, more detailed post mortem. Being that you are the only member of his family, I'll give you the sole copy of the report. It's up to you, if you choose to make it public or not. I had the honour of knowing your father, he was an exceptional man and... a generous donor. You expect people to pity you? Not when you inherit 20 billion! Don't you get it? I don't want the inheritance. Get this straight, Largo. The destiny that awaits you takes precedence. I don't want to become like you. You scare people. They hate you. That's why you're alone. Loneliness is the price of power. And I'm not entirely alone. I have you: you're my son. I can pass things on. That matters. Money. Always money... That's not what I meant. You see this knife? It's worth just a few dollars... Yet it's my most precious belonging. My father drank like a fish. He used to beat my mother and me. Nearly every evening. When I was 13, I worked in secret for the village grocer. After a few months, I could buy the thing I dreamed of. When he tried again, I threatened to kill him if he didn't let us leave. For the first time, he was scared of me. He could see I was serious, that I'd do as I said. There's what life gives you... ...and what you do with it! Those are the two forces that make you what you are. It's yours. Hello, sir. Forgive this informal awakening. You were deaf to my verbal endeavours. And you are? Gauthier, sir. Your late father's butler. Please accept my condolences, sir. Mr Freddy dropped you off. You seemed very tired indeed. The journey, no doubt. The alcohol, Gauthier. The alcohol. I took the liberty to clean your clothes. Yet I'm afraid your undershirt is beyond redemption. I should have warned you. There's a slight swell today. When he moved to Hong Kong, your father settled on this yacht. I think he liked the view. I'm not surprised. Already an invitation for you, sir. Mr Korsky requests your presence for lunch at "Amber". Korsky? Mikhail Korsky, 42, from Georgia, head of the Korsk Corporation. Rich from gunrunning. However, for some years now, he has moved into more worthy fields. Real estate, banking... No one knows his exact worth but everyone agrees it's colossal. Three years ago, someone attempted to poison Mr Korsky... Gauthier... ...and left him marked for life. Are you always so precise? I trained at the Regent Street Gentlemen's School, sir. No one knows his face or his name, but there have been rumors of a mysterious heir. The heir is... the famous billionaire's adopted son... No... No, no, no, no, no... I swear! No! I didn't know! Look... Look... I'll call him... I'll find out and I'll call you back... Yes... I know... I know... Look, I promise you I... Hello? Good morning, Mr Meyer. - Good morning, Have you heard about this heir business? Don't pay too much attention to these rumours Rebecca... But he's here! He's with the board now! As executor, I can tell you that Mr Winch's desire was always very clear. The one and only heir to his fortune has to be his adopted son. But there's no rhyme or reason to it! I mean here's a boy from Lord knows where and who claims to be the heir of the world's fifth largest fortune... It's outrageous. Mr Wallenberg, have you previously met or even glimpsed this young man? Nerio's always liked to keep his secrets secret... Have you, yes or no, met this man before today? So, in short, nobody knows you. Where is the proof? You must think we're stupid, young man. You don't know whom you're dealing with here! With good lawyers, we could drag this out for years! And that is exactly what we're going to do! Mister Kwan, is that right? That's right, yes. William Kwan. Nerio admired your university career. Princeton, Harvard. Your mother must be very proud of you after raising you on her own. Do you still check the knot of your tie everytime you feel awkward? Nerio told me about you. Nerio told me about everyone of you. So believe me, I know exactly whom I'm dealing with. Nerio anticipated your reactions. Shortly after I was adopted, he transferred all... his majority holdings to the Anstalt, based in Liechtenstein. Now Mr Wallenberg, could you explain to our friends here the specific workings of that company? The shares are "bearer" shares... In other words, the person who physically has those shares is the owner of the company... In this way, the company can be passed on without paying any inheritance tax and to become the new owner, the heir has only to recover the shares... Ten shares, to be precise! Ten shares hidden in a location that I am the only one to know about. And that's all the proof that I need! Now, of course if you still feel like contacting your lawyers, please go ahead. I just spoke to Miss Pennywinkle... There is no way you'll be able to have an appointment... with the heir before next week... Next week? Surely you don't intend to... run the Group? I have only one attention. Find out who killed Nerio Winch. Until someone proves otherwise, his death was accidental. You believe so? I believe someone has decided to take over the group by any means possible. Where do you think you are? Mister Winch? - Meyer? I am sorry but I really must talk to you. My god! He got shot! Please forgive me, Mister Winch. Stephan Marcus... Head of security for the group. Mister Marcus! Do you mind explaining what is going on? Sorry Miss Pennywinkle... The famous Miss Pennywinkle... Pleased to meet you, Mister Winch. Alexandre Meyer... He works in the finance department. He left me a message this morning. Extremely tense. He wanted to know if the story about the heir was true... I don't think the police would like this, Mr Winch... Mr Meyer? I have Mr Korsky for you. Korsky - Korsky? What does Meyer have to do with that crook? Korsky's invited me to lunch today. Absolutly out of the question! I have an appointment with Mister Korsky... Please follow me, sir. Icham Let him go Forgive him... Icham always likes to do his job properly. Such a rare quality these days... I'm going down to the spa... Naomi, divine, isn't she? Surprising. I'm going to buy out the W Group. IMX Does that sound familiar? I've heard of it. Of course you've heard of it! It's an investment fund that, as we speak, owns... Six percent of the W Group... And do you know who this fund belongs to? For the last few weeks, I've been buying out all the available shares of the W Group. And I know exactly who to buy them from. Thanks to a certain Meyer... I'm the story's bad guy. You're perfect. Nerio's death has upset the market. So today, I'm shifting into higher gear... In exactly twenty minutes, I'll be announcing my takeover bid. I preferred to tell you in person. I find it more... more elegant. I didn't know gun running brought in so much... They... They always say the first billion is suspect. Two weeks from now, I'll be at the head of the W Group and believe me, everyone will forget the errors of my youth... If it's respectability you're after, there are more effective ways... Give your 13 billion to UNICEF... And, believe me... Everyone will forget the errors of your youth as you say... With a little bit of luck, you might even receive the Nobel Peace Prize. But everything in its time. First I'm going to buy you out. You know you're wasting your time. The group's capital is blocked. I hold a 65%. majority share... From what I hear... that has yet to be proved. You don't have to worry about that. Come in! Be gentle please. Very good, madam. That was a quick lunch. Ever since I was in jail, I've lost my appetite. You were in jail? A very pretty girl put me there. She vanished after a very pleasant night. But left a souvenir in my pocket. What do you know about her? Well, I remember one particular thing. A beauty mark on her buttock, the left one I think. Or the right. I'm not sure. I'll get another masseur. Take your clothes off. Lie down. I'll be back in two minutes. Your car is ready. Find out all you can about her, Freddy. After she got me arrested, this girl told a friend where to find me. Perhaps she fell madly in love with you. Or letting your friend know was part of the trap. What trap? You'll find out sooner or later. (Republic of Croatia) (3 years earlier) See, they haven't changed a thing. Not defending yourself, soldier? When do you finish? - In six months. But I'll sign on for longer. That was my last year here. And... the photos at Vlatko's party? In the green album, I think. - I'll get it. He won't say where he adopted me. Was this the place? I have the right to know, Hannah. I'm categorical. Adopted children have no legal access to their files. Listen, I've come a long way. Do me a favour, let me take a look. It's important for me. The law is the law. I didn't make it. Hands up, bastard! I hesitated about posting bail for you. I think I pitied you. Thanks for everything. I have good news and bad news. The bad? - The good first. I spent the night there and got into the archives. I looked everywhere. I searched the whole place. But your file wasn't there. It must be someplace else. I asked. All the files are there. I'm sorry, Largo. Mister Korsky, what are your comments today on the Winch Corporation takeover? I had a great admiration for Nerio Winch. But, today, I think my takeover bid is the best possible thing that could happen to the group which bears his name. And what is your next move? I'm going to buy some sweets. Korsky's takeover bid is warmly welcomed on the markets... This smells bad... Very bad. With the blocking minorities called into play, Korsky is going to be like poison. Let's work out an agreement. It's the most sensible thing to do. A counter takeover bid on Korsky. You don't do things by halves. Nerio knew that Korsky was plotting something. We had a defence plan. Just in case... And as you all know, Nerio's best defence was attack. Except that you're going to be attacking a ghost company... The Korsk shareholder base is spread out over a host of companies based in various tax heavens. Korsky probably bought out Meyer, but I've got one better... I've got someone in his personnal entourage. Who's your spy? - That doesn't matter. Only the result matters. Take a look. Korsky's best kept secret... You see, my dear Mister Kwan, the Korsk's shareholder base isn't so mysterious. We have options on 19% of the shares... Our takeover bid will be a complete surprise. And a crushing victory. Let's not get ahead of ourselves. The law obliges us to inform the other company that it is the object of a takeover bid. Korsky will have time to find a riposte. If a takeover bid is made by a private individual, acting in his own name, there is no need to announce it. They won't see it coming. My rough guess is that such an operation could cost three billion... Do you have that much in your account? No, I don't... Well, I don't have it on me... And that's what bankers are for, Largo... William, you have to lend him the money. You can't be serious? You want Korsky to eat us alive? You're asking me to lend three billion to some kid from God knows where? You must be dreaming! At least wait until Monday's general meeting! No, we don't have the time. I refuse to take that risk without any guarantees. What if I give you t he shares in the Anstalt as a guarantee, Ms Kwan. Would that suit you? I'll be back with the shares in 24 hours. You'll appreciate the irony of this, Largo. The impostor is suddenly our saviour. A little too simple. Show me the telephone Miss Pennywinckle gave you A GPS will be enough to track you Alright You won't say where you're going? You like secrets. Like your father. I spent 20 years at his side without even suspecting your existence. Two years minimum. Renewable. Let me through. Excuse me a second. My orphanage file. I want it. I don't know what you mean. I went there. I went to the orphanage. Who told you? - Forget that. I went there. My file's the only one missing. You should have told me. You don't go behind my back. You never told me anything! You're a Winch, Largo. You're my son. The past belongs to the past. What matters... is your future! That file is the only thing that really belongs to me. It's mine. It's my history. So you'll give it back to me. I want my file. I don't have it. - Liar! Don't insult your father. You're not my father. That's not for you to decide. Give me that file back. I burned it. Find yourself another heir. Josip would never let you listen to that. You got my message? How long can you stay? That's Freddy. He called 15 minutes ago. I have stuff on Naomi, Korsky's girl. She's a sort of escort girl, often involved in shady business deals. Who does she work for? - Money. And for Korsky. She's been with him a month. But she vanished this morning. Korsky's going frantic. I've always had good informers. Nerio loved that. Take care, Largo. Give Gauthier my love. You know, I think I'll do the same as Nerio. Get cremated. It's silly but I imagine the wind carrying my ashes off. I feel as if I'll be free then. Whereas being cramped in a tiny box... And do you think I'll still be free? That depends on you, Largo. He had it all worked out. Even dead, he still decides. Go to bed. Your room's ready for you. Where's Largo? You're going to have to be very cooperative. "I've gone to Sarjevane. See you later." The last monks left the island in 1908. The perfect escape from the rat race. We'll come here every year for a month. I'll teach you your future business. Thank you, Mister Winch. You've done just what we expected of you. Take the shares out of the safe and slide them over to me. No sudden moves. Who are you working for? For you, Mister Winch... Drop the knife. I asked you a question. And I gave you an order. I suppose these people work for me too... Model employees. I can see that. I hope you get a risk bonus... Don't shoot! Don't shoot him! Now we can shoot him! You should have heeded your instinct. You knew someone was pulling the strings. Someone who wanted you to fetch the shares since you alone knew where they were hidden. And now... What do you plan to do? Hannah? Hannah... What do you mean, vanished? He was supposed to be here last night. I can't reach him... No one knows where he is. Is this some kind of a joke? - I knew it. We have to cancel the general meeting! We'll prepare a press release... We have to find an excuse... To panic the shareholders... And pave the way for Korsky, certainly not! You're out of your depth. I won't let you lead this group to its ruin. I am acting in the sole interest of the group! Unlike you, for I have no personal ambition. You don't have the stature for it. And you're losing your cool. Largo Winch is our only chance of survival. The general meeting is maintained. And you'll better not stop praying that Nerio's heir appears. I don't think that's the best thing that could happen to us. Your Largo Winczlav escaped from a prison in South America where he was being held for drug trafficking. An international warrant for his arrest was issued out this morning... Good news. We'll end up finding him now. You still think that this heir is the best way to save the Group? The general meeting will go ahead as planned, tomorrow. We have 24 hours to come up with a solution... Hi, Largo. Don't worry, I didn't recognize you either. You see, I didn't set off to see the world. I took over as doctor from my father. Melina... But I haven't ruled it out. Turn over. My cousin found you by the roadside. It's a miracle you're alive with a wound like this. I'm invincible. I don't remember a thing. He's going to call, I can tell. No, Mister Kwan. I have no idea where he can be. Largo... Thank you, Lord! Thank you! In heaven. You have to get me back, Freddy. Aren't you too old to be brought home? Do I come with you? Let me handle it, Gauthier. Odd place for a meeting. I'd rather avoid the group's HQ. I don't want to end up like Meyer. Largo is alive. You missed him. But I can tell you where he is. I don't understand... Don't give me that! Largo told me everything. What is it you want? Nerio Winch is dead. His son is on the run. My career prospects aren't looking good. So my contact with Largo is the last card I have left. The very last. And I plan to use it. You're full of shit. Largo is dead. I know, I'm the one who killed him. One bullet. Fired from a helicopter. He fell into the sea. You thought he was dead. Now who on earth could have told me all that? I'm not talking to you again. I deal with your boss from now on. You're expected. No funny business. Come in, Mr Kaplan. Just fine-tuning tomorrow's speech. The surroundings help, don't you find? I'm no expert on long speeches. Don't judge me. Appearances can be misleading. I did it all for the group. Only for the group. And if Marcus is to be believed, you're in no position to preach at me. Was killing Nerio in the group's interests? He was sick and dying. You know that. But you had him killed. I had to keep control of timing. I'd never leave the group in the hands of some wild adventurer like Largo. You use strange methods... The only person who can take over from Nerio Winch is me. But you need to convince the meeting. I have one last card to play that will win me the game. So, Mr Kaplan, where is our friend Largo? He'll call me to say where to pick him up. Much more than what your spy in Korsky's firm cost you. A figure. - Not a cent. Mail me the plans for your attack on Korsk Inc. In two weeks, if I carefully invest my savings, you'll make me a rich man. A very rich man. Insider trading... Nerio must have rubbed off on you too. This is what we'll do. Stay at the hotel with Marcus. In a few minutes, you'll receive the plan for the Korsk takeover bid. Then you'll just need to wait for Largo's call. In a few hours, it will all be over. Good night, Mr Kaplan. Don't miss him this time. Sure your friend will come? I'll be back. To see you. Don't talk rubbish. Go on. Off you go. This is the asshole of the world, here! It's my home. I don't believe a word of what you told me on the phone. But you came anyway. I can't help it, I'm a gambler. But I'm warning you, I hate to lose. Straight from Ferguson's office... Any minute now, your group will be taken over by the W Group. Who gave them these informations? Naomi. Naomi... She works for Ferguson. Icham! Slit this bastard's throat! That's why she vanished. Ferguson organized everything. She's the one who had Nerio killed... She's the one who manipulated Meyer to pass on information to you about the Group. And she's the one who had him killed when he panicked. That's absurd! - No it's not, it's smart! You had to be persuaded to attack us! There had to be a threat to force me to get my shares. You are the bad guy in the story! But Ferguson wrote that story! Let's have a drink! Let's see if you're a real gambler now... Withdraw your takeover bid. Without that threat, Ferguson won't be able to convince the general meeting to give her full powers. And I'll take care of the rest. Over my dead body. You're going to lose everything. Yeah. Will that be all? Take me to Hong Kong. The general meeting starts tomorrow at 11 h. I've got to be there. Two dirty foreigners. People like Ferguson despise us. In dollars... That's what you wanted? I prefer security... If you don't mind, I'll count it. It's a pleasure to work with a professional like you. Don't get carried away, Marcus. You couldn't afford me. Good to hear you, Largo. I checked your mail. It was there. My new pals loved it. I'm coming back with them. Where do I pick you up? Ok. See you later. He's waiting for me. I've had a wire on Korsky's phone for months now... And Largo just called you from that very phone. The board of directors will hold a general meeting at eleven o'clock... The Winch Group is now a fortress under siege. It will have to name a general or the enemy Korsky will claim a crushing (victory)... The general meeting must accept the mysterious heir or leave the door open to a takeover by Korsk Inc. Are you looking for someone? The trunk. He can't be far. Do you know a body international warrant that's up on you? I'm sure that a man like can help me bypass the formalities. You're going to have 25 minutes to reach the meeting. My driver will take you there. You'll be fine. I have to be at the Grand Hyatt by 11 o'clock. Not too tired from the flight, sir? It's kind of you to pick me up. The usual chauffeur took too many sleeping pills. Sign. At the bottom, on the right. A marriage contract? An I.O. U. The fare's pretty high. It's my rate. I think I forgot the child lock. Marcus is here. He'll pay to find you. You won't do that. Marcus? I have something for you. 6 feet tall, dark hair, green eyes... I'm on the Ku Lan road. You're really nothing but a... Only guys like you can afford to despise money. Pen? There's a guy in the presidential suite. Ferguson has planned everything. When this young man called me yesterday, I was sceptical. But I have to admit that his story seems perfectly credible. Here's his orphanage file. Largo's relationship with his adopted father had become strained in recent years. You know Largo is wanted for drug trafficking? Yes, I was informed of that. When he heard that Largo was on drugs and dealing, Mr Winch decided to change his heir. And he gave him these. The shares in the Zunkunft Anstalt. Sadness yes! But also joy! The joy of continuing his work, of respecting his memory. Today, friends, partners, rivals, we should take a moment to remember his life. It all started on the 13th of august 1933, in a little village in Bosnia-Herzegovnia. Born into a modest family, Nerio Winch's childhood was, in his own words, difficult... Are you crazy? I want all the gates closed! Yes sir. All the gates are closed, sir. ... Nerio Winch was one of those men, who were born to change the world they live in. ... And a bottle of wine... I don't know. The best... Too late, Largo. No, not yet. Look at yourself. And look at me. Who's going to want you as the heir? Who? This group, this money, they're mine. As much as yours. Deep down, you started it all. You shouldn't have asked me to go with you that night. I looked for your file for hours. I knew it mattered to you. I didn't find it. But I came across something much more interesting for me. When he first went there, Nerio Winczlav left with two children. And you, Largo. He knew he'd come back for you one day, so he took two children. Hannah and Josip couldn't have kids. He gave them the gift of a child. Me. And to you... he gave a destiny! I don't believe in luck. I don't believe in coincidence. I believe that each man holds his destiny in his hands. He would have told me. He always wanted to make all the decisions. Your life. Mine. Hannah's. I should never have found out. But unfortunately I did. I wanted Nerio to know he didn't control everything. I went to see him. I threatened to go public with it. And he gave you money. But he made a mistake. He told Ferguson everything. Ferguson found me and she offered me much, much more money than he did. On one condition. That I head the group and be content with the dividends. Put it inside! You can understand why I accepted. Did you accept Hannah's death too? She'd dead, Goran. They killed her. Listen, I'll grab his gun while you smash his head in. You heard me right! Do it! Your father struggled too. It's nothing. Everything's fine. Just fine. Today we are at a turning point in our history. Our founder has passed away. A group with an appalling reputation has made a hostile take-over bid against us. But we must stick together to fight it. ... Leaving a surprise in store for us which will ensure the continued success of our group... My dear friends, twenty-seven years ago, Nerio Winch... I had to keep control of things. When Nerio told me he had cancer, he also told me about his heir. I asked about him. It was madness on Nerio's part. A whim. In 6 months, Largo would have destroyed everything Nerio had built up. This group that, with all due modesty, I consolidated with him. I have the shares, as agreed. Well done, Largo. You win. But how will you use this? Ladies and gentlemen, please! allow me to introduce... Nerio Winch's heir. Mister Largo Winch! ...Cleared of all accusations of drug trafficking, the new CEO's first decision was to reach an agreement with Mikhail Korsky to put an end to hostilities between Korsk and the W Group. The Group's spokesman has admitted that Nerio Winch had been suffering from a brain tumor for the past few months. Even if the wildest rumors have been circulating, his death does, indeed, seem to have been an accident... Ma'am, you can board now. Do you have a stamp? I can post it for you. You should write your name on the back... Hands up! What's your name? - Danis Vlatkovic. Hello, Danis. You're on my territory! I'm leaving. Will you let me go? How about you? What's your name? Largo Winch! Take care, Largo Winch!

and the foundation upon which sustained human progress has been built everywhere. If all adults on the planet could read and write and had opportunities to take advantage of these capabilities, economic growth, poverty, health, and political participation would all improve. Female literacy shares a particularly powerful relationship with development, especially through health improvements for children, as the more educated a mother the more likely her children are to survive and thrive. Studies have shown that half of the reduction in child deaths in recent decades is the result of increases in the education of women of reproductive age. Countries that improve female literacy at faster rates can also accelerate reductions in fertility, potentially triggering the much sought after "demographic dividend". Despite these benefits, global progress in reducing illiteracy has stalled. The adult illiteracy rate has fallen by 26% since 2000, well short of the 50% target, according to UNESCO. As a result, an estimated 770 million (14%) of the world's adults cannot read or write, including 480 million women who make up almost two-thirds of the world's illiterate adults. The greatest concentration of illiterate adults is in South Asia, but most of the countries with the highest rates of illiteracy are in Sub-Saharan Africa. 10 countries account for 70% of the world's illiterate adults, including India, China, Pakistan, Nigeria, Ethiopia, Bangladesh, Afghanistan, Brazil, Egypt, and the Democratic Republic of Congo. In a subset of 12 "hotspot" countries, more than 70% of adult women are illiterate, including Niger, Chad, Afghanistan, South Sudan, Benin, Guinea, Mali, the Central African Republic, Sierra Leone, Burkina Faso, Liberia, and Ethiopia. These countries should set ambitious goals to reduce adult female illiteracy to 20% by 2020 and to eradicate adult illiteracy by 2030. Countries that have already achieved 80% adult female literacy should move straight to the eradication target. Because of the powerful influence of mothers' literacy on child development, countries, especially those in South Asia and Sub-Saharan Africa, should implement programs to increase both the supply of literate mothers and demand for their skills. Investments should benefit mothers in the populations where female literacy is lowest and child mortality is highest. Countries should provide special incentives for mothers to develop their literacy skills, including by linking mothers' literacy progress to their children's educational performance, by improving the home learning environment, and increasing labor market attachment. Conditional cash and non-cash transfers, as well as the full engagement of telecommunications technology (e.g. mobile phones) in literacy efforts targeted to mothers, can act as powerful incentives for progress. The United Nations (UN), its agencies, and development partners should reinforce the illiteracy eradication goal under the Sustainable Development Goals and ensure that 100% of adults achieve literacy by 2030. The UN Secretary-General should establish a Special Envoy for Illiteracy Eradication and a program architecture modeled on the highly successful polio eradication effort. The UN should support the special focus on mothers' literacy and increase integrated female literacy, health, and labor market investments in the countries where more than 60% of adult women are illiterate. The UN should also develop special indicators to measure literacy progress among mothers with dependent children and integrate these indicators into the official indicators that are measuring progress towards the Sustainable Development Goals. The relationship between education and human development is profound and under the right conditions, mutually reinforcing. The more educated a population, the faster individuals can take advantage of opportunities for advancement and the faster a country is advancing the more it needs a skilled population to feed growth.

Tune in live Thursday from 9pm est FTN Blog Comic Interviews Weekly Comic Book Schedule Comics Creators News / Features Toys/Gadgets Video Game Interviews TV REVIEWS: FTN Reviews Krypton Season 2 Episode 4: Danger Close July 4th, 2019 by Todd Black Comments While definitely lighter on action due to the loss of Lobo and other key things, "Danger Close" provided us with a deep political thriller that even had me (a veteran of TV superhero shows as hopefully you all know by now) surprised by what I was seeing. Because this episode could've EASILY devolved into "trope city". But instead, it was something much more. The tagline for Season 2 of Krypton is, "It's a bad day to be a hero", and this episode definitely showed that. As in the last 10 minutes or so, just about every hero we had found themselves in either a compromising situation or at the end of a critical loss/defeat. That's great storytelling, especially when it ends on a cliffhanger that has you begging for next week to come soon. The big takeaway from this episode is that Zod is not only a ruthless man, but he's willing to go to just about any length to make sure that his future does not come to pass in the way he saw it. Including brainwashing Lyta in order to ensure she was on his side. The writers did a great job of showing the reconditioning procedure before while not hinting that Lyta was another of its victims. That's hard to do, yet it really worked here. In fact, when Lyta didn't remember Seg's memory of their first meeting, I thought something was wrong with Seg and not Lyta. Hearing that Lyta was brainwashed changes everything, and adds a new dynamic to many character arcs so far. Because Lyta isn't fully brainwashed, but rather conditioned to certain instincts, or as Zod put it, he took certain parts of her away that would hinder his progress. Including certain memories of Seg apparently. Meanwhile, the Resistance celebrated a victory, but one that soon became a key defeat, as Zod's plan to manipulate them came to fruition in devastating fashion. But Zod wasn't the only one with a dark plan, as Jax-Ur (living up to her comic/cartoon counterpart) did her own strategy to try and win the war…via a DNA bomb. Nyssa ratted her out, and now she has the Codex thanks to Val…which is exactly what Zod wanted. Dang, he's good. Oh, and as if ALL OF THAT wasn't enough…Brainiac is still alive in Seg's head. Which is why he survived the reconditioning process. While some may call this cheap, it was never a guarantee that Brainiac would be fully extracted from Seg after that chair process. And as comic book fans know…Brainiac is freaking hard to kill. Also, on a side know, seeing Kem back in action was nice, and his pairing with Adam is the new comedy duo of the century. lol. Finally, while I didn't like it last week, I did appreciate hearing more about what happened to Dev, and it added some emotional connections to him. And now we know that Jayna's mission to save Lyta isn't in vain, which is good, because it was grating before tonight. In the end, "Danger Close" was a compelling episode that proved that dialogue can help make an episode just as much as action pieces. Things will no doubt heat up next episode though, so let's get ready to rumble! 4.5 out of 5 nerds Let us know your thoughts below, @NerdFollowing on Twitter or on Facebook Tags: dc comics, krypton, syfy Todd Black Todd Black is reader of comics, a watch of TV (a LOT of TV), and a writer of many different mediums. He's written teleplays, fan-fictions, and currently writes a comic book called Guardians (guardians-comic.com). He dreams of working at Nintendo, writing a SHAZAM! TV series, and working on Guardians for a very long time! 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Home › Art & Entertainment › So Crazy in Love So Crazy in Love By FSJ Contributor on February 27, 2019 • ( 2 ) By Michael Andreacchio P.T. Anderson's 2002 film is a romantic comedy on the verge of a nervous breakdown. Valentine's Day has come and gone, thank god, and I for one am grateful. I can look past the fact that it's a made up Hallmark holiday, or even the fact that its origins come from a pervy Roman goat sacrificing ceremony intended to ward off jackals (or something), or that the Christians covered it up by celebrating the martyrdom of two guys named Valentine. What I cannot look past is the abysmally trite romantic-comedies produced like they are coming off a conveyor belt. So, I figured I'd dig through the film archives to find something unique. In this particular film series, I will attempt to dust off some films which you may have seen, you may have missed, or you may have just not looked at from a particular perspective. Over the next few months, I will review and provide analysis for films which struck me as something special. Each biweekly installment will focus on a different genre film and I will attempt to dissect it to its bare bones. My hope is that you as the reader will discover some great new films or will sit down to rewatch something from a new perspective. Of course, much like anything, film is subjective. Different strokes for different folks. My personal bias is, of course, on full display in this series. For this installment, being post-Valentine's Day we focus on a lesser known romantic-comedy called Punch Drunk Love (2002) by indie darling Paul Thomas Anderson. Sandwiched between two of his critically acclaimed masterpieces (There Will Be Blood, and Magnolia, both comparatively running 2 ½ and 3 hours). Running a scant 95 minutes, Punch Drunk Love is just as ambitious and thought-provoking as his other magna opera films. Cinema has gotten it wrong for years when it comes to love. Maybe I am talking from a jaded interpretation of my own failed love life, but love is complex. Love is deep, not the shallow interpretation Hollywood constantly tries to fool us with every year around this time. Love has warts and smells funny sometimes. Love can be one of the most rewarding and maddening of human experiences. Love is rich with meaning. That is exactly what is delivered, a film rich with meaning. Anderson doesn't just write and direct, he uses visual literacy where the film has its own language. His somber long-take shots where scenes are filled with a fluorescent-hued color pallet suggest a detached awkward approach to contemporary romance. This is an inviting and ominous maelstrom, but one in which the audience can't help but get sucked into. He pulls the very best out of the actors he works with, even seasoned or typecasted actors. This film has plenty of them. Comedic silly man Adam Sandler stars as Barry Egan, the boss of Funger, a novelty plunger operation. Luis Guzman plays his business associate, Lance. Right, I know what you are probably thinking, "I've seen this Sandler film before" — the somewhat endearing yet infantile range, from an actor who always follows the narrowest of parameters in all his previous films. While all those things are true to a certain extent, in this film Sandler seems different. Not repackaged. Refined, sharpened to give purpose, liberated from the shackles of formula. He reveals refreshing and unexpected depths as an actor. Particularly important to Sandler's character is the dynamic of family hierarchy. Growing up with seven domineering sisters, Egan found it their purpose to torment him every chance they get. Anderson's expressionist view shares an abstract heritage to Egan's from his own life in which he grew up with three controlling sisters. Egan's character is presented with a certain type of anxiety-riddled loneliness. A gnawing sense of emptiness which he attempts to fill, tragically and oft times hilariously with plenty of missed connections. Noticeably, there is a tension that builds throughout the film, which is unnerving but bubbles over to produce dark comedic value. From this perspective, we see the film as one large character study on this man Barry Egan. The film opens at Barry's company warehouse somewhere in the San Fernando Valley. It is dawn, and Barry is the first person to arrive at work. He is having a conversation over the phone with a man named Carter, a sales rep for a pudding company running a promotion which gives away frequent-flyer miles to customers. We get a sense that Barry has stumbled onto some kind of a too good to be true promotion. Incidentally, Anderson took this narrative from real life. In 1999, California resident David Phillips made national headlines by outsmarting Healthy Choice. He realized that the company's pudding was drastically underpriced for the frequent-flyer mile mail-in promotion it was offering. For $3,140 in pudding, he got himself a whopping 1,253,000 miles, and thus practically unlimited flights. Back to Barry, who steps outside with his coffee to get some fresh air, he walks down to the street and looks out at the early-morning traffic. Suddenly and violently a car blows a tire and rolls several times in succession. Meanwhile, a minivan screeches to a halt; in the foreground, a man slides the door open and deposits a harmonium on the curb quickly before speeding away. In the first two minutes, we get a ton of symbolism and metaphor. Anderson toys with the idea of comfort and chaos. What some people might see as a random car crash I saw as abrupt and chaotic. This theme follows throughout the film — abrupt, and chaotic, tension building to a car wreck; in the literary world, we would call this a type of thesis statement. The harmonium becomes a symbol of comfort and safety to Barry. When everything around him is crumbling he holds on to it like a security blanket. Why a Harmonium, you might be asking yourself? A harmonium is not your atypical musical instrument, after all. That is precisely Anderson's point; here is something different, something strange yet fascinating. Like the discovery of a new love, where one might find comfort in exploring new feelings and emotions. To Barry, these feelings are curious and alien. Punch Drunk Love's unique score delivers a serious uppercut, Composed by John Bryon, who drops layered tracks and disconnected sounds into a cauldron and stirs. What comes from this unique brew is an almost maddening effect. The score is filled with lots of different ambient and harmonium tones, which go nicely with the chaotic anarchic nature of the film. Another scene finds Barry alone in his apartment, which looks eerily like an IKEA advertisement; Egan is drawn to a 1-900 phone sex ad. In a stroke of genius, he calls up the phone sex operator and attempts to have a normal conversation with her. What ensues is pure comic gold: Egan asking how she's doing, what she's doing, how does she like her job, while she stays in character continually asking if he's touching himself. Discouraged, he eventually relents in a sad, defeated way. The scene is darkly lit with ominous undertones. As if Barry has innocently enough stumbled into the seedy underbelly of society. His anxiety and paranoia are on full display as he paces the confines of his apartment. He has his television up loudly, perhaps to conceal what he is up to. The cinematography is important to note in this scene as techniques used in camerawork pop up throughout the film to add tension. While Barry begins this scene, the camera is in a fixed still shot. This suggests that he is still in control. As things begin to spiral, the camera is handheld and shaky, abrupt, and chaotic. I'd like to take a moment to reflect on the stunning cinematography. Helmed by academy award winning and celebrated cinematographer Robert Elswit (who has worked with Anderson on many projects including There Will Be Blood, and Boogie Nights) he manages to capture Anderson's vision in a dark, gritty way. He displays a wealth of knowledge of visual storytelling through the dimensions of his lens. It's truly a pleasure to watch Elswit's work; it's art, beauty, and madness, all rolled into one. The next morning, the story suddenly shifts gears, again abrupt and chaotic. The phone sex operator continually calls Barry harassing him for money. Here the audience is presented with a dilemma and even more tension as the phone calls follow him to work, Egan is introduced to Lena Leonard, played by Academy Award-nominated actress Emily Watson, who portrays a sweet woman, with a hint of brokenness to her character. Awkwardness ensues as Egan attempts to find his way to a meaningful human connection. Eventually, they do land on the same page and fall in love. However, the phone sex operator is unrelenting and eventually, the tension bubbles over as she sends out her four blond brothers to beat up Barry and take his money. What we learn through these interactions is that the phone sex operator and the blonde brothers all work for a seedy Mattress store owner Dean Trumbell (played by the late great Phillip Seymour Hoffman). Hoffman, an Academy Award winner in his own right, plays the role to perfection. He's the bad guy we love to hate. At this point, Egan opts to leave town. He attempts to parlay his pudding into frequent flyer miles (to no avail – surprise, surprise) Leaving behind his harmonium, he picks up and follows Lena to Hawaii where she has gone on a business trip. When the harassment leads to Lena being injured, Egan takes matters into his own hands and confronts Trumbell in his mattress store. This is a different Barry Egan than we knew at the beginning of the film. A transformation or rebirth has occurred, and we begin to see confidence and self-reliance. Love has filled the empty void inside of him. Anderson describes Punch Drunk Love as an "arthouse Adam Sandler film." But to leave it at that would be short-changing this gem. It's got surprising weight to its dimensions. From a filmmaking perspective, Anderson uses every piece of visual storytelling at his disposal. The film's goal is not to put the audience in Barry Egan's shoes; it is to put the audience in his mind, which is confused, lost, and at times chaotic. I could talk ad nauseam about the depth of this film, but really if you haven't seen it for yourself it's worth the 95 minutes it takes to sit through, and the days afterwards having it hauntingly stick with you. Without giving too much away, make sure to stick around after the credits because there is a really funny post-credit scene. ‹ Film Gem Series Heart of Darkness › Sarah Billman Your writing is fabulous!! I will see the movie just so I can understand what you wrote about so beautifully Jordan Regester Very detailed dissection of a complex, often overwhelming film. Well done to the author of this review.

Scott W, Scott K and Jon discuss Azure, Amazon Web Services and Google App Engine. Jon asks Scott W to share his thoughts on blogging platforms and the difficulties around their development due to their many edge cases and full feature set. Scott W answers a listener question about his thoughts on Silverlight. Scott K, Jon and Scott W rant about corporations continuing to run IE6, why IE8 killed Scott W's inner child and why, oh why, won't Microsoft just rewrite Internet Explorer already. Scott W shares his strategy for evaluating and learning new technologies and how to successfully manage remote development teams. Scott W and the guys talk about the demise of SQL and the higher dependency on ORMs and traditional database alternatives like CouchDB. Scott W comments on Silverlight and ASP.NET MVC and whether these technologies help solve his customers' problems today.

The technology industry isn't known for having an abundance of dividend growth companies due to the large ups and downs of the industry and the higher probability of a competitor coming along with a "better mousetrap". One of the companies that caught my eye is Cisco Systems (CSCO). Cisco is a budding dividend growth investment with 9 consecutive years of increases. The pivot away from just a networking hardware company to include both software and subscription-based services has thus far been the right move by management and should help insulate the business from some of the fluctuations of the economy. Cisco is striving to become the go-to networking company for businesses around the world. When it comes to investing, valuation is everything. If you don't believe me, ask anyone that purchased shares of Cisco in 2000 if they wish they had paid more attention to valuation back then.

To reap the benefits of wireless, like anytime/anywhere access to enterprise systems, companies must take steps to reduce associated risks to acceptable levels. Wireless LANs do pose new security challenges, but every network expansion carries both benefit and risk. To reap the benefits of wireless, like anytime/anywhere access to enterprise systems, companies must take steps to reduce associated risks to acceptable levels. The most effective way to accomplish this is to let policy, not technology, govern secure WLAN implementation. Technology-driven security can waste resources by attacking the wrong problems. Too often, an organization turns on security "knobs" without fully considering whether those measures alleviate their most pressing business risks. Policy-driven security begins with a thorough review of business needs and risks. A policy creates a solid foundation for implementing appropriate security measures. Start by defining business needs. Why are you deploying a WLAN? What business objective(s) does adding wireless accomplish? Security is not just about keeping intruders out – it's about letting legitimate users into authorized systems and services. Identify who, where, when and what. Which users and devices will be permitted to use wireless at the office, on the road or at home? What networks and servers do they need to access? Which applications, services, databases and network shares must be opened to wireless users? What hours and days will wireless access be required? Answers will help you create a defense that permits legitimate access while narrowing an attacker's window of opportunity. Also identify behavioral requirements like throughput, latency, network roaming and session persistence. Establishing these objectives can help you make implementation choices that satisfy real business needs and avoid costly over-engineering. To keep this task manageable, define profiles that reflect needs associated with groups of similar users – for example, VoIP users vs. Web/mail users vs. visitors. Next, assess new business risks introduced by adding wireless. Use the needs defined above to pinpoint wireless and adjacent wired subnets that will be exposed to wireless intruders. Inventory stations, access points, radio channels, gateways and servers on the wireless LAN – these too will become valuable network assets. Revisit the wireless stations and target applications, databases and network shares identified above. What private or sensitive information do these resources contain? Answer this same question for control fields and data to be sent over the air. Produce a list of information assets that must be defended against corruption, loss or disclosure. Review these asset lists, considering potential threats, the probability of compromise and cost to your company. For example, how likely is it that war drivers will try to use your WLAN for Internet access? What is the cost of stolen bandwidth? What would the business impact be if sensitive data sent over wireless were captured? What would the cost of lost productivity or sales be if an attack were to take your WLAN or database off-line for a day? It may be difficult to quantify and prioritize these risks, but give it a try. If your staff can't do this, consider hiring independent security auditors who can. It makes no sense to spend $1M to defend a $100K asset from a low-probability threat, but the only way to prevent that is to do the math and apply your security budget accordingly. Use your business need and risk analysis to extend your company's network security policy to address wireless access. Augment existing Acceptable Use Policies (AUPs) for network access, or create AUPs if you don't already have them. AUPs should explain what usage is permitted, under what conditions, with which precautions, for the identified users and environments. Define AUPs for employee use of your Intranet, as well as for visitor use of your WLAN, traveler use of public hotspots and teleworker use of home WLANs. Even if you plan to ban business laptop use at hotspots or guest access, your policy should state this so that countermeasures can be implemented and compliance can be audited. Once policy extensions covering wireless have been drafted, get buy-in from all stakeholders and disseminate approved policy to all administrators and users. Policies that lack organizational support or that nobody knows about are historically ineffective. Finally, select, install and configure WLAN security measures to implement and enforce your policy. The policy will come into play throughout WLAN deployment, from topology design to security feature selection, from issuing keys and logins to legitimate users to configuring access controls that permit those users and deny all others. Test your implementation to verify policy compliance – not just once, but at scheduled intervals. Networks are organic, changing all the time as old systems are retired, upgrades are installed, employees move or leave, and business objectives evolve. To remain effective, policy must adapt to changing needs. Security measures must be continuously updated to fix holes and implement updates – for example, adding new users and deleting stolen devices. In summary, effective network security is more about process than technology. Using security policy to drive WLAN deployment gives your organization a fighting chance against wireless vulnerabilities and threats. Lisa Phifer is the vice president of Core Competence, Inc., a consultant firm specializing in network security and management technology. Lisa has been involved in the design, implementation and evaluation of data communications, internetworking, security and network management products for nearly 20 years.

Search in titles only Search in Film Discussion only Film Discussion OldCorpse Rockin the Boat Just finished watching it. As I expected, a sopping pile of doodoo (IMO). Literally no surprises of any kind. Off for a few beers, and then I'll do a longer review over the next few days. I wonder how it'll do at the box office - I think foreign is OKish, domestic something to wait for. I'm sure there will be many dvxuser fans of this considering how many fans of the director there are around here, but every opinion is of interest and the more the merrier! Matt Gottshalk Resident Preditor Wife and I saw it and loved it. Can't wait for 2nd part. BPI.tv Hollywood's obsession with IP strikes again. Just because a novel is iconic and a long standing bestseller, like Dune, does not mean it's therefore suited for being adapted to the screen. But Hollywood sees "bestseller" and immediately dollar signs are dancing in their eyes. And in the case of Dune, why bother referring to the source material in any case, since whatever the complex appeal of that novel is, you can't really replicate that in a movie, even multiple parts - maybe you stand a chance if you make it a series or mini-series for TV. It's a novel that appeals to the intellect, not to the eye - there are plenty of novels that appeal to the eye, so why focus on Dune? And so you end up with an abysmal screenplay like what we have in this case. You are much better off starting fresh writing material that's meant for the screen to begin with. Either pick IP that's suitable for adaptation (and Dune is NOT), or write something original. And that's how we get to the first problem with this film. The screenplay is trash. How many people do you expect to have read the novel and based on that, to be eager to see the film, considering that the demographic for this genre is llikely to be the 25 and under, and you need this demographic because it's a big budget production that needs to return the investment. For old school fans of sci-fi, maybe you got a demographic that has read it, but I wager most of them are going to be way past 40, so not prime movie going market segment - so maybe a small production like The Moon, but a big budget tent pole? The biggest movie goers for this genre are the 25-unders, and I bet 90% have not heard of Frank Herbert; they don't read, period, and certainly not something from 1965. So why base a film on such a feeble IP name recognition? At least with most of the superhero IP, not only do you get a lot of comics read, but you get very broad recognition - everyone has heard of superman, batman and so on. Who heard of Frank Herbert and Dune - old people who don't go to movies. Star Wars created its own universe without reference to feeble IP that nobody but old people recognize - and that worked pretty well, designed as it was, for the screen. The followup trash to Star Wars (and I'm not even a fan of the original Star Wars!) was of course garbage IP exploitation. But starting right out of the gate with nonsense IP like Dune?? SMH. MORE pt2 For many years now, big budget tent pole movies have evolved to rely exclusively on the "spectacle" aspect of appeal. And so we have an extravaganza of effects, and nobody is worried about plot, characters or anything else, really, other than spectacle. The foremost practitioner of this, I suppose, is Michael Bay with the Transformers franchise. That works passably, if the spectacle delivers. Also, many of these have a bit more buy-in and recognition, because we are already familiar with the characters or premise on some level - nobody needs to introduce us to the character of Superman, or Batman, or Spiderman, or James Bond for that matter. That's already "pre-sold" - we already have the bones of the characters and so need less in the way of character development or introduction - and even the schematics might be familiar in the case of Transformers, because everyone is familiar with the TV shows or toys. But what about Dune? Who - other than a small number of old sci-fi fans - is familiar with the characters or the premise of this film? Nobody, that's who. In this case, you need to introduce them and develop them… see Star Wars, which whatever you may say about it (and I'm not a fan), at least is a richly developed story with characters and plot that makes sense and works on the screen. Dune, by contrast is a complete hodgepodge of undeveloped opaque characters and muddy uninvolving plot. If you are going to abandon an involving plot and characters, as most modern spectacle films do, then you have to at least deliver on spectacle. And that means more than amazing sets and a few gadgets. You have to have actual action sequences. Because it's not like you can simply plop cardboard characters into a set and spend 3 hours filming the sets with nothing else going on - this is what happened with Blade Runner 2049… all we had was sets and more sets with passive characters. Villeneuve loves big sets and that's what he films, ignoring everything else, like a story. And films that have disposable characters and no real plot have plenty of fireworks and action sequences, sometimes to parody levels like Starship Troopers… you'll get plenty of shoot/bang/bomb non-stop action. By contrast, Dune delivers few and far between feeble action sequences in a long bog down snoozefest lame talking heads spouting nonsense at interminable length. So, you got a film that has poor uncharismatic characters (contrast with the characters from Star Wars! Where's Darth Vader? Where's Han Solo? Leia? Yoda? Obi? Where's even Chewbacca??? R2-D2??? LOL!) with a muddy plot, that's not compensated for by bang-on relentless action. That's a recipe for boredom in large sets, a la Blade Runner 2049. Btw., Villeneuve is such an abysmal director that he managed to take a pre-buy like the original Blade Runner and do absolutely nothing with it. The original BR had a big task in that it had to create characters, a world and a plot from scratch and fit within a runtime of a movie - and they did it spectacularly. In the sequel, you already have the premise worked out for you - sentient androids - and so should have used all that saved time on some amazing developments. Instead, Villeneuve took MORE time and still managed to deliver not 1% of the plotting or action of the original. What a monumental failure. And that failure is mirrored - exactly as I predicted, see other threads where I predicted both the massive failure of BR2049 and the calamity that will be Dune. Dune shares all the failures of BR2049, and makes even less sense - meandering, uninvolving plot and thin characters. What immediately kills the movie (for me) is that it doesn't engage. I find zero interest in these characters of no charisma - the best that I can say, is that at least Timothee Chalamet manages to carry the role, he has enough screen presence and minimum acting skill to pull it off. And that's about it. The rest are completely forgettable. Josh Brolin is subdued, Momoa is less than 25% of Dwayne The Rock Johnson, Zendaya is an interchangeable broad among a million, Rebecca Ferguson is sh|t, Oscar Issac has a beard and?, we have the obligatory diversity cast of your AA, Asians, and so on, but it's all by the numbers tokenism and the whole cast doesn't gell. Where are the great pairings or actors, the great rivalries like Christian Bale's Batman vs Heath Ledger's Joker? Harrison Ford Deckard vs Rutger Hauer, vs Sean Young vs Edward Olmos vs Daryl Hannah? Ripley vs Ash? Swartzenegger and the cast from Predator? The cast doesn't come together here - there is no chemistry and interplay. But then again, like I already pointed out in BR2049, Villaneuve can't bring actors together to create any interplay. His casting choices are the same as in Dune - one actor who can carry his role (Ryan Gosling, Timothee Chalamet) and then a collection of nonentities and miscast insanities (Jared Leto in BR2049, LOL!). OK, the characters are garbage. So maybe the plot should pull us in? What are we seeing here that's not been done as early as Star Wars? Only done here a million times worse? What theme, evil empire, plucky young Chosen One with powers, wise councillor, father figures, blah, blah. Limp warmed over barfed out and pooped out dog breakfast. We've been over this territory, only done a billion times better. Why is there not a scintilla of innovation, new ideas and imagination? Look at the sci-fi landscape and how the films that stand out bring something new to the table: Blade Runner - sentient androids and slavery, Alien - monster in space corporate greed, The Thing - novel life form threatens all of humanity, The Terminator AI robot sent back in time to hunt down an human and change history; Predator, an alient hunter collecting his bones and so on. Planet of the Apes, The Matrix, 2001, Contact, District 9, and on and on and on - all extremely distinct and bringing something radically new and fresh. Even Star Wars with its quest and journey - and Dune brings WHAT?? It seems to me some lame ripoffs from Star Wars and that's it. Zero innovation. Even the sand worms made me laugh as I thought of Tremors (1990). Dune has no reason to exist and it brings nothing new to the table. As I was watching this uninvolving mess, I kept looking for something - anything - that I have not seen before in theme or approach, and all I saw were poor copies and unflattering comparisons. Even the fighting sequences with swords - done so much better in Star Wars with their distinct look, and mode of operation and sound - Lightsabers… WTF was that mess in Dune with the electric razzle-dazzle on the bodies that for some reason comes and goes and how do the swords work or not work exactly - who knows and who cares. Look at the Lightsaber contest between Darth Vader and Luke Skywalker - and compare that to whatever it was that Chalamet was doing with the black dude in the desert or Momoa jumping around. What a disgrace. One is clear, fresh, new, charasmatic and distinct, the other is a hot mess of lame laughable unintelligeble pretends. MORE pt.4 Casting failure, plotting failure, what more do you want? Well, how about the signature Villaneuve inability to pace and modulate anything whatsoever - either individual scenes, sequences or indeed the entirety of the movie. Look at the emotional graphs within scenes, the dramatic arc. The scenes in general feel very samey - all done at the same emotional pitch, same delivery from actors and the same effects, such as music. And so you'll have Chalamet moping about some 99% of the time (most of the remaining 1% is for some of his interactions with Momoa), delivering his lines in the same mumble+vocal fry cadence almost all of the time. The other characters too display a range from - I'd say A to B and back again, but really it's a monotony of A-A-A-A. Contrast that with other sci-fi movies and range of emotions characters display - including Star Wars from which Dune cribbed so much. As a result, all scenes have a very pedestrian structure, and quite frankly coupled with the uninvolving plot, I had the feeling that you could throw all the scenes into a jumble in a hat and then pull them out in random order and the resulting film would be equally involving and make about as much sense. Both the pacing and the content suffer from the same issues - you have the obligatory scenes you know are coming (like the "training the Shao Lin monk" sequences with Josh Brolin), which don't do anything with any imagination and don't feel fresh, the endless expository conversations that make one's eyes glaze over and attention focus slip and move on to something else (what's for dinner?). This is a good place to discuss the music as it illustrates these problems in multiple ways. First, again as in BR2049, Villaneuve has the impeccably bad taste to pick the absolute zero talent hack of Hans Zimmer. That man's approach to music is to throw the kitchen sink in and hope that something sticks. Dense torrents of instrumentation sludge trying to cover for a complete lack of musical ideas, the same overused effects of choruses and somber dirges - this is a man who is so utterly talentless that he cannot muster a single musical theme if his life depended on it. We can all hum themes from Jaws or The Thing, or stuff by Rota, or Morricone, or Chinatown, or Taxi Driver, or Psycho, or Rosemary's Baby or *hundreds* of movies where a theme elevates the movie (even Spielberg with John Williams), but you'll never hum a theme from Hans Zimmer, because Hans Zimmer has literally zero composing ability. Talent in music is the ability to strip the music down to just a couple of instruments and still be able to express a theme - that's how you can HUM the music as a single human with just your mouth! But throwing dozens or hundreds of instruments (in Zimmer's computerized version) merely covers the lack of a theme under a wall of noise and generic sound "SOMBER CHORUS" - "FOREBODING" - "MASSIVE ARMY OF ZOMBIES" and so on. Really generic and ultimately empty. So having displayed his utter lack judgment in picking Zimmer, Villenaneuve who lacks an ear for music - he may as well be deaf - is of course comprehensively unable to evaluate the music in the film or modulate it. Ordinarily - if you have even a modicum of understanding of how music works, you understand that you BUILD your effects. So you are usually lower key and amp up as the film's arcs amp up in emotion, pacing and tempo until you reach a crescendo at your peaks. That is not what happens here. All the music has the same level of intensity in every part of the movie. You have the same droning dirge underlying most sequences, then a hysterical chorus in an action sequence, back to droning, then hysterical chorus, rinse and repeat. The music is the same at the beginning, the middle and the end of the movie. There is zero evolution, zero building, zero escalation, zero modulation. JUST LIKE HIS SCENES. The movie doesn't build and go places. It's essentially static and monotonous. And of course, the bankruptcy of the whole endeavor is underlined by the classic tell of bad filmmaking in use of music. This is when music is used under scenes to give them the ONLY emotional impact and dramatic tension in the scene. The scene is boring as f***, so how about we throw some music at it. Ofen filmmakers will use music selectively under "boring" sequences such as montages of equipment being put together or whatnot - you need the sequence to inform the viewer for expository reason, but it's boring (just try it without sound to see how lame it is!), so they cover it with a thick slop of music to distract us. That's just mediocre films that use music in select "boring sequences" - but what can you do when ALL the sequences are boring?? You get the Dune effect - music is present relentlessly under virtually every single scene, because otherwise it would be so painful to wade through that sludge of tedious footage. Terrible music, with zero modulation oppresively present almost all of the time - The Aristocrats of filmmaking, aka Dune. Whew! What of the special effects? What does Dune have that a million other films haven't done before and better? Is there any Hobbit or Ring type innovation, how about unusual CGI, or models or even much more than Star Wars from 1977, or over 50 years ago? Sadly nope. And what effects there are, are frankly shockingly bad - when you finally get a load of the sand worm, it's a dark jumble of hard to see "meh", like something you might have trapped under your sink when you garbage disposal broke. To be fair, the only OK gadget were those flying copters that looked like giant dragonflies - fair is fair. Everything else was sh|t. Gigantic slabs of concrete everywhere for both vessels and architecture - wow, how inspiring. Costumes - again zero new ideas, the soldiers costumes owed a lot to imperial forces in Star Wars, the humans meanwhile had generic rags, some with faux Bedouine desert themes, all sloppy and lacking in interest or any display of imagination and creativity. MORE pt 5 Nothing about this movie was surprising to me. From the very start it struck me as a very, very bad idea, with about zero chance of being successfull, just as I predicted with BR2049. The reasons were clear as day. First, source material. In the case of BR2049, I thought there's about a snowball's chance in he|| you'd be able to make a sequel to an acknowledged masterpiece like BR and have it compare favorably or even anywhere within a mile or a galaxy. Same with Dune insofar as a starting point. This is a very poor source for adaption to the screen - the novel just doesn't operate on a cinematic level. It's been tried before - many times - and failed. At best, given the intellectual nature of that novel, you might stand a chance in a TV series, but a 2-3 part motion picture at a huge budget for general audiences? Nope. Doomed from the start. Then you have the director, and that seals it. It's already an almost impossible task, and then give it to a no-talent like Villeneuve? The chances of success here are between zero and nothing. So it wasn't a hard call to make that this enterprise was doomed, both in the case of BR2049 and Dune. Villaneuve needs to get lucky to push out a tolerable product. His best is Sicario, and because the idea is very strong, and some of the actors are very good, he can skate by with an OK film - and that's Sicario, an OK movie (I even enjoyed it!). Of course, it has a lot of the signature Villaneuve failings, which I explored at length in the thread on Sicario, from poor understading of framing and camera placement and generally blocking and staging to casting choices (Emily Blunt, completely miscast as an FBI agent!), but there's enough good to make it work. But counting on luck is not a plan and not ability. Lacking in actual ability, DV collapses spectacularly when a great deal of ability is required and you are not going to get lucky because you'd have to win the lottery not once but a dozen times in a row - ain't gonna happen. Unless you are super talented, you are not going to pull off a sequel to BR or a screen version of Dune. And DV is a very, very poor director. DV apparently doesn't have the ability to evaluate material, or he'd never agree to do BR2049 or Dune as those are doomed to fail - but at least part of the responsibilty is on the braindead executives who greenlit those projects in the first place and then put DV in charge… facepalm. Now that he was put in charge, he has no idea how to evaluate a screenplay - already on paper both those films were sh|tshows - utter trash. Instead of trying to work on those scripts and get other writers and guide them, DV can't tell. It's like asking a color blind person to match tiles. He can't tell what makes a good script or how to develop a script to make it good… he needs to get lucky, and if he doesn't he'll fail. BR2049 and Dune were therefore doomed from the first page of the script. It is a director's responsibility to pick a project and supervise a script - both of which DV fails, as he doesn't seem to have that basic ability. DV also doesn't know how to cast. He can get lucky with a star - Gosling, Chalamet, Gyllenhaal, Adams, del Toro, probably because the studio has input there and there aren't as many choices for who can open/carry a movie. As soon as options open up into the 100's and 1000's, and it's his pick - he's immediately lost, and comes up with insane choices and super weak actors. The result is that it's usually a random collection of actors, and not a coherent performace with chemistry on screen. DV also doesn't appear to know how to work with actors (in addition to not knowing how to work with writers), because all those actors really can't deliver apart from being miscast - you get super limited and listless performances (or outright bad - Jared Leto, ugh!). You may as well work with hand puppets, you'd have more success. He has no ear for music, doesn't understand pacing or modulation of scenes and therefore cannot edit, is lost without someone taking charge of camera placement and so on. His staging is a joke (as I remarked before, it's like placing toy soldiers on the kindergarten floor). All those are the responsibilities of the director and he's unequal to the task in all of them. He is good at one thing - and I guess that's the ultimate 100% necessary talent in Hollywood, and that's he can get execs to greenlight his projects and put him in charge - that he is undeniably good at. If only the results were better - I'd sooner put a random PA on the set to replace DV and the result would probably be better. What can we say about Dune at this point? Just as I said about BR2049, it will never be held up as something that stands the test of time, like the original BR - the original will be rewatched for decades to come, BR2049 will rot on some server somewhere, and the same for Dune. Dune will not ever have the status of a great sci-fi movie, to stand alongside BR, The Thing, The Terminator, Predator, Alien and dozens and dozens of other films. An incredible amount of money is spent, for embarrasing results - what a waste. Too bad it didn't go to more worthy projects with actually talented people. Maybe it can do OK at the boxoffice if the stars align and there is no competition while it's shown, the numbers may be fine. But as a work of filmmaking - it's clearly a failure. Which is not to say that you won't have fans - there's hardly a movie anywhere that doesn't have SOME fans, and especially here on dvxuser, where there are special interests like cinematography or sets, and with a giant budget you can get a DP and super sets, so at least you'll have that (the sets on BR2049 were very nice - no such luck on Dune though!). Oh, and spoiler alert - part 2 of Dune will be a giant failure too… predicting this is about as hard as predicting that sunset will be followed by a sunrise the following day. All IMHO, and YMMV, of course, other opinions always welcome and appreciated, this is just my one man opinion . I'm just gonna say that my wife and I liked it...again...to offset the Wall of Text ® above. ;) Yeah, I really enjoyed it. There were parts that I found incredibly satisfying. For example, how the visions play against what happens when he fights Jarris. It was simple enough for me to get it when I thought about it, but complex enough that it was not fully understandable without engaging. I appreciate that. I actually thought the casting was amazing. I loved everyone. Even small characters like David Dastmalchian or Stephen McKinley Henderson felt full of personality in no small measure due to the interesting casting. Then again, I have watched BR2049 and liked it greatly each time. Could use with getting rid of Jared Leto's character, but I am used to it and happy to give the film a pass for that nonsense. paulears Has a book converted to a movie ever really worked for the people that read the book? I'm struggling in any genre? Perhaps one made it to TV in a way that I suspect the writer, long gone, would have liked. Sherlock Holmes - as in the Jeremy Brett TV version. I read the Herbert novels, and oddly quite liked the first movie - kind of complimentary and much unexplained, but that got panned at the time. Casting in my book comes before anything with a book as source. Readers can adapt their mental pictures if the casting is positive. You can easily adapt to old/young/fat/thin if their character matches. Remakes, especially sci-fi - often sit badly. I couldn't get into the Batman franchise at all, having read the comic books and watched the 60s TV version. The darker Batman just made it not right for me - the First Reeve superman movies worked for me - casting again. Lost in Space - another remake mess. Not even a modern thing. The 39 Steps - one book, lots of attempts. Some couldn't even get it right on the first go, never to rise again - Clive Custler's Sahara novel - brilliant. Made into a light and try to be comic movie. Characters mangled badly, buy people who missed the point in the novels. even regarded directors like Jonathan Frakes who totally misread the history of the Thunderbirds story, and wrecked that one! We even do it with historical source material - things we all know were true and factual. The English/Scots story with Braveheart - what a mess and oddly the Highlander movie got the historical aspects pretty right even with Sean Connery's delivery - we all know his acting style was er, unusual, but everyone overlooked his accent and accepted the character. This never happens with the remakes does it? Why do studios never spot they are about to make a lemon? The fans would surely be the ones to talk to before signing contracts, but it doesn't happen. Jim Arthurs I remember going to see Dune 1984 on opening night as a college student. You know you're in trouble when they hand out printed one-sheets from the studio with names and various definitions to things! I still prefer some of the original casting and set/art design from the Lynch version to this this. Francesca Annis was a better Jessica for instance, more assured, powerful and less anxious seeming. Which is sad, as I like Rebecca Ferguson, and can only fault her performance to the direction. The original Reverend Mother was imposing and scary... the Gom Jabbar scene was more suspenseful, IMO in the Lynch version. For gosh sake, the needle didn't even look sharp. I hate murky dark night scenes with little contrast (it's a movie, not reality, darn it), and both versions shared this problem on the big screen. I was never a fan of the raised shadows and lowered contrast created by Freddie Francis' Lightflex system on Dune 84, which flashed the negative with a low level wash of light during photography. agcohn My Wife and I watched it yesterday, and we enjoyed it. I'm a big fan of the book, and while the film doesn't portray even half of the depth of the universe described in the book, I liked the film a lot. It takes a somewhat minimalist approach to exposition and world-building, but it clearly and accurately follows all of the major beats of the book. My wife enjoyed it, and she hasn't read the book. I'm just annoyed that they haven't already started production on the 2nd part.... Doug Jensen Originally posted by paulears View Post Has a book converted to a movie ever really worked for the people that read the book? . Absolutely. I've seen many movies that were better than the book they were adapted from. Just to name a few: Godfather, Jaws, To Kill a Mockingbird, The Shining, Silence of the Lambs, One Flew Over the Cuckoo's Nest, Roots, True Grit (remake or original), Shawshank Redemption. I'm sure there are many more examples of movies being better than the book, but I'm just listing a few that I actually read myself so can speak from first-hand experience. I agree with you, however, that usually it is just the opposite and the movie is usually worse than the book. But not always. I have not seen either version of Dune, nor did I make it through the book. Doug Jensen, Sony camcorder instructor HOW TO MAKE MONEY SHOOTING STOCK http://www.dougjensen.com/ KurtF Saw an afternoon matinee showing on Sunday and absolutely loved it. I felt they hit all the right notes. Information about the various cultures and political intrigues was gently doled out during exchanges between characters that helped build their relationships. The over all scope was up there in the best tradition of David Lean. Music helped convey some of the mythical, spiritual aspects of the story with it's chorus of singing voices. Yes, the performances were subdued, but I have grown tired of bombastic portrayals that sink into melodrama as the actors shout and gesture broadly, playing to the back of the house. Think J.J.Abrams Captain Kirk - "Fire! FIRE EVERYTHING!" Just an amazing motion picture. A very successful adaptation of a richly detailed and somewhat difficult novel. Buy a Tripod, Use the Tripod. Imamacuser Has a book converted to a movie ever really worked for the people that read the book? I thought that the 1935 movie adaptation of Captain Blood was very good, and in some ways preferred it to the book. SPOILER ALERT, the movie eliminated a couple subplots of a pirate campaign and love triangle to reduce the cast, whittle down the run time, and keep the budget reined in. The pirate campaign would have been cool, but I'm glad that the love triangle was mostly eliminated, as I consider it a lame plot trope. I watched the movie as a kid before reading the book, so perhaps that affected my perspective. The Lord of the Rings movies were an acceptable adaptations, but the Hobbit movies were all terrible. Evaluating The Chronicles of Narnia, the Disney adaptation of The Lion, the Witch and the Wardrobe was acceptable. I don't think that the books were particularly well written, so in some ways the movie improved things. The other Disney adaptations of the series were terrible, deviating from the books, and not in an improved way. The BBC mini-series was much more faithful to the books. I wish that Disney had made a faithful adaptation of the Silver Chair, as that was one of the better written books in the series. Copyright 2003-2022. DVXuser.com and Landmine Media, LLC

Doctor's Digest® Advisory & Expert Sources Free eSubscription Practice Rx ISMP Med/Hazard Tips HCP Exchange Practice & Coding Resources Bridging the gap…between the business of medicine and the practice of medicine. In response to physician demand, we are happy to announce that we have launched a new financial e-newsletter, Doctor's Digest-Money Matters exclusively for physicians registered for PracticeRx by Doctor's Digest, the FREE iPhone/iPod Touch App., and for our Doctor's Digest print and e-subscribers. This quarterly e-newsletter will cover personal financial advice for physicians. New Law Extends Federal Deposit Insurance Investing in Energy Companies May Be a Good Bet Now Crucial Reason to Review Retirement Plan Beneficiaries Include Reinvestments to Reduce Capital Gains New Tax Law Gives Couples a $10 Million Exemption Corporate Issues May Beat Government Bonds New Tax Savings on Equipment for Medical Practices Expert Advice, Other Reasons to Choose Managed Accounts Why Consider Dividend-paying Stocks? The Appeal of Target Date Funds Now May Be the Time to Buy a Home Why Convert to a Roth IRA? Why You Should Consider Tax-free Gifts in 2010 Income Shifting an Option as Tax Rates Rise Options for a 'Sideways' Stock Market Understanding Municipal Bonds Risks Buy Near-campus Housing to Cut College Costs Why Waiting Can Increase Your Social Security Benefits Why You Should Consider Switching to Roth IRAs Now Better Deals on PLUS Loans Greater Tax Deductions for Medical Equipment Take a Longer Look at Short Sales How to Pay an Advisor Be Flexible With Portfolio Withdrawals How to Get Higher Yields on Your Cash Reserves Coping with Disappointing Life Insurance Values Are Hedge-like Mutual Funds Right for You? When Prepaid Plans Make Sense Understanding New Tax Credits for Home Buyers What's the Right Strategy for You? Investing: Physicians' Best Bet Taxes: Special Rule Can Help Pay for College Retirement Planning: New Option for High-income Physicians Real Estate: Time to Buy Investment Property The federal government has made permanent its Federal Deposit Insurance Corporation (FDIC) coverage of a maximum $250,000 per depositor per bank. Congress included the permanent increase in the Dodd�Frank Wall Street Reform and Consumer Protection Act, which President Obama signed into law last year. That amount had been increased from $100,000 during the financial chaos of 2008 and was scheduled to return to the $100,000 limit in 2014. If you use the new permanent status in your planning, keep the following in mind: If you're married, you and your spouse can each have an insured deposit of up to $250,000 at your local bank. Even if you and your spouse each have $250,000 of individual deposits at that bank, you also can maintain a joint account and receive additional FDIC coverage up to $250,000 per co-owner. For example if you and your spouse have a joint account containing $250,000, it's insured for up to $250,000"what's in the account. However, you and your spouse can have a joint account insured up to $500,000: $250,000 per co-owner. Retirement accounts get separate coverage. Besides all the accounts mentioned above, you can have federal insurance up to $250,000 for an IRA at the same bank, as long as it's a bank deposit (this includes CDs and money market deposit accounts as well as checking and savings accounts) rather than an investment account (such as a mutual fund, stocks, life insurance policies, annuities or municipal securities, even if these investments are purchased at an insured bank). CDs in six-month increments over three to five years," says Connie Stone, founder of Stepping Stone Financial in Chagrin Falls, Ohio. When interest rates rise from current levels, money from maturing CDs can be reinvested at higher yields. Following through: Learn how to use simple revocable trust accounts for still more federal deposit insurance at http://www.fdic.gov/deposit/deposits/insured/ownership4.html. Investors looking for buy-low opportunities" often a good investment strategy"might consider energy companies and funds that hold energy stocks. In the past three years through 2010, the "equity energy" category of mutual funds was near the bottom in performance, losing around 6% per year. But that will likely turn around if oil prices continue to climb. As of this writing, the crisis in Egypt has generated a surge in oil prices; but the key to sustained performance among energy stocks would be growth in the global and domestic economies. "When they show signs of turning around, oil prices and energy investments probably will move up as well," says Robert Wherry, a mutual fund analyst at Morningstar. Already the U.S. economy has been posting encouraging growth numbers. Overseas, emerging markets such as China are growing rapidly. When investors expect superior growth in emerging markets, they anticipate more demand for energy, which lifts energy investments. During the last period of worldwide expansion from 2003 to 2007, oil prices rose and equity energy funds enjoyed five consecutive years of double-digit growth. Those five years included four years with average returns ranging from 32% to 46%. A comparable performance can't be expected, but energy investments are likely to prosper in the next upward leg of the business cycle. Following through: To see one list of "6 Energy Funds for Inflation Protection," go to www.smartmoney.com/investing/mutual-funds/6-energyfunds- for-inflation-protection/. Whether you save for retirement in a 401(k), an IRA, or some other type of plan, it's crucial to review your beneficiary selections periodically. The beneficiaries you name will inherit that account regardless of what's in your will. "Many people don't realize that a beneficiary designation overrides a will," says James J. Holtzman, a financial advisor with Legend Financial Advisors, Pittsburgh. To see what might happen, take the real-world example of Mr. Kennedy, who worked for a company with a savings- and-investment plan. He named his wife as beneficiary. This couple divorced after a long marriage, and the wife agreed to relinquish her claims to Mr. Kennedy's company benefits as part of the divorce settlement. However, Mr. Kennedy never changed the beneficiary designation on this plan. He died seven years after the divorce, and the company paid the plan balance"about $400,000"to his ex-wife. This case was disputed and eventually came before the Supreme Court, which unanimously ruled that the money was properly distributed to the ex-wife. The plan documents "control" the outcome, according to the court. The take-away message: Be certain that your documents are in order"including the beneficiary designation of your retirement account. Following through: The Supreme Court's opinion in Kennedy v. Plan Administrator for Dupont Savings and Investment Plan is at www.law.cornell.edu/supct/html/07- 636.ZO.html. Since stocks had good years in 2009 and 2010 after a disastrous 2008, you may now have taxable gains when you sell stocks or stock funds. If so, be sure to count any reinvestments of dividends or capital gains distributions to avoid paying tax twice on the same income, says Mary Kay Foss, director, Sweeney Kovar, an accounting firm in Danville, Calif. For example, suppose Dr. Martin invested $20,000 in a stock fund in late 2002, at the bottom of the bear market triggered by the tech stock crash of 2000. Dr. Martin held onto her shares until recently, when she sold them for $30,000. At first glance, Dr. Martin has a $10,000 capital gain: bought at $20,000 and sold at $30,000. However, when she first invested, she instructed the fund company to reinvest all of her dividends and capital gain distributions. Over the years, Dr. Martin has reinvested a total of $4,000 in this manner, paying tax each year even though she never received any cash. On a sale, Dr. Martin should increase her "basis" in the fund (her cost, for tax purposes) from $20,000 to $24,000, reflecting her reinvestments. Therefore, a sale for $30,000 results in a $6,000 taxable gain instead of $10,000. If Dr. Martin pays tax on a $10,000 gain, she effectively is paying tax twice on $4,000 worth of reinvestments. Following through: For a discussion of adjusted basis, see IRS Publication 550, "Investment Income and Expenses," page 43, at www.irs.gov/pub/irs-pdf/p550.pdf. At the end of 2010, Congress passed a mammoth tax law that kept income taxes mostly at 2010 levels but dramatically changed estate taxes. Under the new law, the federal estate tax exclusion is $5 million: that's the amount you can leave, tax-free. What's more, this $5 million exclusion is "portable" between spouses. Any exclusion not used by the first spouse to die passes to the surviving spouse. Here's an example: Dr. Clark dies and leaves $6 million to his wife Kim. There's no estate tax on bequests to a spouse who is an American citizen, no matter how much money is transferred. Dr. Clark also leaves $2 million to the couple's children, sheltered from tax by the $5 million exclusion. Because Dr. Clark used only $2 million of his exclusion, the other $3 million passes to Kim. If Kim dies in a year with a $5 million estate tax exclusion for each decedent, she will have a total exclusion of $8 million.Therefore, married couples effectively have a $10 million exclusion. Because of this policy, some couples will be able to forgo complicated estate tax planning strategies. However, the new rules are in effect only for 2011 and 2012; and it's unclear what will happen after that. Many reasons remain for sophisticated estate planning. "Trusts may be especially valuable if you live in a state with its own estate tax," says Blanche Lark Christerson, managing director, Deutsche Bank Private Wealth Management in New York. "They also can offer creditor protection, an important consideration for physicians in our litigious society." The bottom line is that this is an ideal time to review your estate plan with a professional advisor. Following through: For a summary of the new estate tax rules, go to https://guidance.fidelity.com/viewpoints/newestate- tax-laws. In these times of low yields, there is another option worth a look: corporate bonds. Low yields are by no means limited to bank accounts and money market funds these days. Government bond funds yield only around 2.5% now, on average. In the wake of a worldwide financial crisis, the demand for U.S. Treasuries has spiked, sending up prices. Higher bond prices, in turn, mean lower yields. However, on the whole, U.S. corporations have high cash balances, high cash flow, and low debt. Many are reporting record earnings. "Corporate balance sheets generally are in better shape than personal or government balance sheets," says Jason Brady, a managing director with Thornburg Investment Management, Santa Fe, N.M. Given relatively strong balance sheets, corporations are likely to be able to make promised interest payments to bondholders and redeem their bonds at maturity. Mr. Brady is upbeat on corporate bonds in the lower levels of investment grade or those that just miss investment grade. Those types of bonds will probably give you a higher yield than a top-rated bond. A BBB-rated corporate bond might yield two percentage points more than Treasuries while an AAA-rated bond might yield only 0.50%-0.75% over Treasuries. Funds with large allocations to corporate bonds with similar ratings might yield close to 6% now. If you are interested in a bond fund, go online to check the credit quality of its holdings. Following through: To see a list of the "Top 5 Highestyielding Corporate Bond Funds," go to www.zacks.com/stock/news/33183/Top+5+Highest+Yielding+ Corporate+Bond+Funds. Your practice should review your equipment purchases in view of new tax breaks that are part of the Small Business Jobs Act, which President Obama signed into law last September. Here's what may affect your practice: Business equipment. The new law increases the limit of first-year deductions for equipment purchases to $500,000 for both 2010 and 2011, an increase from $250,000 under prior law. Moreover, leasehold improvements up to $250,000 may qualify for this tax benefit. Depreciation. There's a special 50% first-year "bonus depreciation" for equipment that doesn't qualify for first-year deductions and is usually depreciated over many years. Now you can deduct half the remaining cost this year, says Mark Luscombe, JD, CPA, principal federal tax analyst at CCH Inc., a provider of tax and audit services in Riverwoods, Ill. "This provision is limited to 2010, so you may want to accelerate equipment purchases before year-end," he recommends. Here's how it works: Suppose your medical office buys $600,000 of equipment in 2010. You may deduct the first $500,000 right away. Normally, the remaining $100,000 would have to be depreciated over several years, spreading out the tax deductions. Under bonus depreciation, $50,000 (50% of the excess $100,000) can also be deducted in 2010. Only $50,000 has to be depreciated as per IRS tables, with deductions over several years. Cellphones. The law removes a provision that has required anyone receiving an employer-provided cellphone to keep records of calls and pay tax on personal use. As a result, your medical practice can now provide employees with cellphones and similar devices without the paperwork headaches. Following through: Find a summary of the new law's key tax provisions at http://tax.cchgroup.com/legislation/Small-Business-Jobs-Act-7-23-10.pdf. Why are managed accounts so popular? According to the Money Management Institute, nearly $1.8 trillion is currently invested in various types of managed accounts. From mid-2009 to mid-2010, that number increased by more than 27%. Here's why: They're fee based. Investors usually pay around 1% of assets each year: $1,000 for each $100,000 under management. (The percentage may be higher for small accounts and lower for large accounts.) There are no extra transaction fees. They're professionally managed. A registered investment advisor or a licensed securities broker is responsible for seeing that your investments match your goals and risk tolerance. They provide access to top money managers. Some stock and bond pickers require minimum investments of $1 million or more. With managed accounts, the minimums may be much lower. "Separately managed accounts often have minimums of $250,000 or so," says Jean Sullivan, managing principal, Dover Financial Research, Westwood, Mass. With those accounts, investors generally hold individual stocks or bonds. Other types of managed accounts offer mutual funds to investors, where minimum investments might be only $25,000. Many investment firms offer some type of managed account. If you're interested, ask your financial advisor for details. Following through: For details on managed accounts, go to http://www.schwab.com/public/schwab/investment_products/managed_ accounts?cmsid=P-988310&lvl1=investment_products&lvl2 =managed_accounts. In an investment environment of lower yields and a sluggish economy that may dampen growth stocks, you may want to consider dividendpaying stocks. Some of these stocks yield around 4% or even more now, which compares favorably with many investment yields. Moreover, dividend payers typically have outperformed other stocks during bear markets. "One study of the 2000-2002 bear market found that dividend-paying stocks outperformed non-dividend payers by 47% on average," says Tom Lydon, president of Global Trends Investments, Irvine, Calif. "A study that took a longer perspective, from 1970 to 2000, found that dividend-paying stocks outperformed non-dividend payers during down markets by an average of 1.5% per month." Companies that pay dividends generally take in more cash than they need; these sound firms pay out profits to investors. Overall, they tend to have good long-term prospects. In addition, bear markets often go hand-in-hand with recessions, and many dividend payers are in industries like utilities and household products, which tend to retain customers in hard times. If you'd rather not pick individual dividend-paying stocks, consider mutual funds and exchange-traded funds, many of which invest in such companies. Following through: Enter a stock's ticker symbol and see the information on its dividend payments at http://dividendinvestor.com. Target date funds have "soared in popularity," according to Pensions & Investments magazine. In 2005, only 25% of employers with defined contribution plans (such as 401k's) offered target date funds. Now over 60% do. According to the SEC, these funds already have accumulated $270 billion in assets. As the name indicates, these funds set a certain date at which time an investor may expect to retire, essentially putting your asset allocation on autopilot. When the target date is far in the future, these funds invest heavily in stocks because stocks have delivered strong long-term returns. As the target date nears, these funds gradually shift from stocks to bonds, becoming less volatile and more likely to generate investment income. A 35-year-old physician who expects to retire at age 60 might invest in a 2035 target date fund, for example. Younger investors might choose a 2040 fund while those closer to retirement might select a 2020 fund, say, or a 2025 fund. All target date funds are not the same. "Some funds manage to the target date, when investors may be looking for a lump sum," says Edward Bernard, vice chairman, T. Rowe Price Group, Baltimore. "Other funds manage through the target date for a retirement that might last 30 years." Because funds in the latter category generally hold more stocks, they may be riskier and may have the potential for higher returns than those in the former category. Investment professionals will adjust your target datefund- asset allocation as you grow older. If you're interested, read the prospectus carefully to see what strategy the fund will be following and whether you're comfortable with that approach. Following through: Read the Wall Street Journal's five questions to ask before investing in a target date fund at "http://online.wsj.com/article/SB1000142405274870346040457524468241 9158898.html. Physicians with ample income and good credit ratings may find this is a good time to buy a home, especially in areas where there has not been a flood of foreclosed properties While the past few years generally have not been a good time to buy because of declining asset values, home prices seem to be at or near a bottom at the same time that mortgage rates are at record lows. The National Association of Realtors (NAR) reports that the median sales price of existing single-family homes peaked in 2006 at about $222,000. By 2009, that median price had dropped to around $172,000, a decrease of $50,000, which is more than a 20% decline from the peak. However, new data are encouraging: The median price in August 2010 was $178,600, up from $177,200 in August 2009, reports NAR. Prices in July 2010 were 3.2% higher than in July 2009, according to the S&P/Case-Shiller 20-City Home Price Index. Ten of the 20 major cities tracked by the index saw year-over-year gains while only Las Vegas hit a new bottom. Many homes have been foreclosed and are now owned by banks. If the banks decide to flood the market with homes, prices may drop further. However, that may not happen. Some lenders are suspending foreclosures and evictions while regulators review banks' procedures. Such developments may reduce the flow of properties onto the housing market and thus remove some downward pressure on prices. "Banks are reluctant to bring too many homes to the market because they won't gain from continuing weakness in home prices," says Mark D. Luschini, chief investment strategist, Janney Montgomery Scott LLC, Philadelphia. "It serves the banks holding foreclosed or foreclosing properties no benefit to toss more inventory onto the market. It is likely, however, that this 'shadow inventory' will weigh on prices for many months if not years to come." With the economy slowly recovering and banks cautiously selling the homes they hold in inventory, prices may be flat for a while. Following through: Find the latest home price data from NAR at http://www.realtor.org/wps/wcm/connect/9218f380440c64c69e08ff34cafa 6d66/REL1008EHS.pdf?MOD=AJPERES&CACHEID=9218f380440c 64c69e08ff34cafa6d66. Converting your traditional IRA to a Roth IRA can be a great idea. After five years and after age 591/2 , all withdrawals will be tax free; with a traditional IRA, withdrawals are mainly or completely taxable. The catch? You'll owe income tax on the conversion. For example, converting a $100,000 IRA would cost you $35,000 in tax if you're in the 35% bracket. You might find the cash to pay that tax by skipping IRA contributions. "Instead of contributing to an IRA, consider converting part of your traditional IRA to a Roth IRA," says Joseph R. Brooks, president, Fairhaven Financial Advisory Corp., East Lansing, Mich. For example, if Dr. Johnson and her husband are both 39 years old, they might be in the habit of contributing $5,000 to their IRAs. Each of them could convert $14,000 of their traditional IRAs to Roth IRAs. If they are in a 35% tax bracket, they would owe $4,900 each: 35% of $14,000. They could use the money that otherwise would be contributed to a traditional IRA to pay the tax on their Roth IRA conversions, putting them on a path towards future tax-free distributions. In 2010, practicing physicians and their spouses generally can contribute up to $5,000 each to a traditional IRA, or $6,000 if they are at least age 50 by year end. The 2011 contribution limits may be a bit higher due to inflation. For Roth IRAs, the dollar limits are the same; but high-income taxpayers may not be able to make any Roth IRA contributions. As of 2010, because there are no income limits on conversions, high-income physicians may find Roth IRA conversions appealing now. Following through: Find the answers to frequently asked IRA questions at http://www.irahelp.com/faqs.php. Physicians may want to consider converting their traditional IRAs to Roth IRAs this year to avoid a 3.8% surtax on investment income that takes effect in 2013. That hike is part of the new health insurance legislation, which contains higher taxes for upper-income taxpayers—those withincome over $200,000, or over $250,000 for couples filing joint tax returns. Converting your IRA now offers these advantages: With a 2010 Roth IRA conversion, you can pay tax at 2010 tax rates, which are lower than expected future income tax rates. After five years and after age 59 1/2, all Roth IRA distributions will be tax-free. A 2010 Roth IRA conversion lets you avoid taking taxable distributions from a traditional IRA in the future. You can pay the tax on your 2010 Roth IRA conversion from non-IRA funds. This may reduce your taxable portfolio and thus reduce the taxable investment income that will be subject to the 3.8% tax. "By using non-IRA assets to pay the tax on a Roth IRA conversion, you essentially are moving taxable dollars into a tax-free account with many investment options," says Marty James, who heads Martin James Investment & Tax Management, LLC, an accounting and investment advisory firm in Mooresville, Indiana. Following through: Find out more about the 3.8% surtax at http://tax.cchgroup.com/Legislation/Final-Healthcare-Reform-03-10.pdf?pacp-attached=1&pacp-SITESERVER=ID=70e413ad5980c54f9283357f3dd6c50c, p. 4. Medical school students—and their parents—may be able to have easier access to lower federal student loan interest rates because of a change passed as part of the new health insurance legislation. Previously, most colleges and universities participated in the Federal Family Education Loan (FFEL) program, in which federally guaranteed loans came from private lenders. Fewer schools participated in the Direct Loan program, in which the money came straight from Uncle Sam. But as of July 1, 2010, all federal education loans will come through the Direct Loan program. That may be good news for parents and graduate students who use federal Parent Loans for Undergraduate Students (PLUS) loans for higher education, now called Parent PLUS Loans and Graduate PLUS Loans. "Parents and graduate students who were formerly borrowing through the FFEL program will now have access to a lower interest rate," says Deborah Fox, who heads Fox College Funding in San Diego. "Due to a glitch in prior law, FFEL originated PLUS loans had an 8.5% maximum interest rate while the Direct Loan version charged 7.9%." Starting in July, all new PLUS loans will have the lower 7.9% fixed interest rate. She notes that because the lending standards of FFEL lenders are tighter than those of the government, PLUS loans may be easier to get than they were in the past once all-government lending begins in July. Following through: Go to www.fastweb.com/financial-aid/articles/2177-how-will-the-student-loan-bill-affect-students to read how the new legislation will affect student loans. You can deduct up to $250,000 spent on equipment for your practice this year, thanks to the Hiring Incentives to Restore Employment Act of 2010. The new law raised this year's cap from $134,000 for first-year deductions. "A company—including a medical practice—can take a first-year write-off for up to $250,000 of business equipment, with a phase-out for capital expenditures exceeding $800,000," says Ed Mendlowitz, partner in the CPA firm WithumSmith+Brown, New Brunswick, New Jersey. That means that if you buy $900,000 of equipment in 2010, you will be over the $800,000 threshold by $100,000. Thus, your first-year write-off will be cut by $100,000 from the maximum $250,000 down to $150,000. If you buy $900,000 worth of equipment and you take a first-year deduction of $150,000 under section 179 of the tax law, the other $750,000 worth of equipment will be deducted under multi-year depreciation tables. Following through: See www.section179.org/section_179_faqs.html, for frequently asked questions and answers on section 179. Whether you're in the market for a larger residence, a vacation home, or investment property,this is a great time to be a buyer. Prices are down sharply from the peak of a few years ago. Often you can get a great deal with a "shortsale." A short sale takes place when the purchase price deal won't cover the existing mortgage debt. For example, if you bought a house for $400,000 in 2006, with a $380,000 mortgage, and you can sell the house now for only $300,000, this transaction would result in a loss of some $80,000 for the lender. "Shortsales need the lender's approval," says Bob Fornatto, a senior mortgage consultant at Wintrust Mortgage, Downers Grove, Illinois. "If there's a second mortgage, the holder of that loan also must agree. So short sales don't always go through." Shortsales may be easier to close now because of federal government initiatives such as the Home Affordable Foreclosure Alternatives (HAFA) program, introduced in April 2010, which encourages short sales. This program provides cash incentives to gain approvals from lenders. Under HAFA, mortgage holders must inform homeowners of the lowest price they will accept, then respond to a homeowner's offer within 10 days. Following through: HAFA's main provisions are spelled out at www.realtor.org/government_affairs/short_sales_hafa. In these tumultuous economic times,you may want a professional's advice on how to manage your money. You'll pay for that advice, but different advisors have different compensation arrangements. Commissions. Perhaps the most familiar way to pay for investment advice is to buy a stock or fund that a broker recommends and pay a sales commission. This arrangement may work well if you invest infrequently and hold onto the securities you buy for years, thus minimizing the commissions you pay. Assets under management. Increasingly,investment advisors are calling themselves "fee-based" or "fee-only." Typically, you'll pay a fee around 1% a year for the assets in your portfolio. With a $400,000 portfolio, for example, you might pay the advisor about $4,000 a year no matter how much trading you do, so this arrangement may be suitable if you tend to change your holdings frequently to take tax losses or rebalance your asset allocation. "Some investors like the idea that the advisor's compensation will go up only if their portfolio value increases," says Philip Palaveev, president of Fusion Advisor Network, Seattle. "They like being �on the sameside of the table' with their advisor." Flat fees.Some fee-oriented advisors will quote you a fixed rate for their annual services. You'll know what your outlays will be, and you may receive financial planning advice in addition to investment management. Following through: Go to www.resourcem.com/dev/documents/rmiller_article_5.pdf for a review of the pros and cons of various compensation arrangements. If you have a flexible retirement fund withdrawal strategy, you maybe able to withdraw more than the 4% that is typically recommended. For example, under a traditional scenario you would withdraw $20,000 from a $500,000 portfolio in the first year. In subsequent years, you'd increase your withdrawal amount by the rate of inflation to maintain your spending power. If you withdraw $20,000 in year one and inflation is 3%, you'd withdraw $20,600 in year two. Going by historic results, your portfolio has a high probability of lasting 30 years or longer. However, this assumes a worst-case scenario. If your retirement years occur when financial markets are better than a worst case, you'll have withdrawn less than you could have afforded and lost out on spendable cash. "We suggest clients start with a 5.5% rate if they're willing to forgo automatic annual inflationary increases," says Jonathan Guyton, principal, Cornerstone Wealth Advisors, a financial planning firm in Edina, Minnesota. With an initial 5.5% withdrawal, you'd take $27,500 from a $500,000 portfolio in the first year. However, if you start at 5.5%, you should be willing to freeze withdrawals or even reduce the withdrawal amount when markets plunge and the size of your portfolio shrinks. Conversely, you can increase withdrawals by more than the inflation rate if your portfolio grows sharply. Following through: At http://spwfe.fpanet.org:10005,you can read the breakthrough article that introduced the 4% rule. If you do a little research, you can get better yields for your cash than money market funds and many bank accounts, which pay astonishingly low interest rates these days. Here are three examples from Rich Chambers, founding partner, Investor's Capital Management LLC, Menlo Park, Calif. Schwab Bank's High-Yield Checking Account. The current yield here is 0.75%. Mr. Chambers says he uses this account and recommends it to his clients not only for the yield but for other advantages, which include easy access to your money and no fees. This account is covered by federal deposit insurance of up to $250,000 per depositor per bank. Emigrant Bank's DollarSavingsDirect.com. The current yield here is 1.5%. This account, which is available online, can be electronically linked to your checking account. You can keep money at DollarSavingsDirect.com, earning the relatively high yield, and transfer funds to your checking account as needed. This account also is covered by federal deposit insurance of up to $250,000 per depositor per bank. Ford Interest Advantage. The current yield here is 2.32% to 2.63% depending on the account balance. Mr. Chambers uses this account for some of his own money but not for clients' cash because of the higher risk: This account is not covered by federal deposit insurance. Following through: To keep up with high-yielding online savings accounts, go to www.savingsaccounts.com/. How to Get Higher Yields on Your Cash Reserves The news is grim for those who either bought variable life insurance in the late 1990s and invested in stocks within those policies, or bought universal life and whole life policies hoping that cash values would grow at substantial rates to match bond yields. Because of the recent severe bear markets, stocks have suffered while bond yields have fallen. Therefore, many life insurance policies have disappointing cash values. Unless the policy is bolstered, there may not be enough cash to keep the policy in force as you grow older. Here's what you should do now to re-evaluate and bolster your situation: 1. Request an "in-force ledger." That will show the policy's current status. 2. If the policy is underfunded, get a schedule of how much you'll need to pay to catch up. 3. Explore your other options. You can cancel the policy if it's no longer needed, reduce your coverage, or exchange your old policy for a new one. "Policies offered now might be better," says Terry Quinn, an attorney who has an insurance consulting firm in Atlanta. "Some companies are offering stronger guarantees of cash value and insurance benefits." Following through: For insights on how to interpret a life insurance policy illustration, go to http://articles.moneycentral.msn.com/Insurance/AvoidRipoffs/AvoidThe InsuranceIllustrationTrap.aspx. With only a modest investment of a few thousand dollars, you can now invest in hedge-like mutual funds and take advantage of a hedging strategy that has previously been available only to the very wealthy or to institutions, thanks to the introduction of new mutual funds. Hedging is a strategy that paid off during the recent economic downturn: Results vary; but Morningstar's Long-Short category posted a loss of 15.4% in 2008, which was much better than regular stock funds, which posted loses a 37.5% average loss for domestic stock funds in 2008. In 2009, these funds hedge-like mutual funds were up 10.4%, enabling investors to recoup a good portion of their losses from the 2008 bear market. Although there are many types of these funds, the basic hedging strategy is to go long—and short. Here's how it works: Hedge funds go long. The funds buy certain stocks, bonds, or other assets and hope to make money if prices rise. Hedge funds also go short. They enter into transactions structured to make money if specified assets lose value. Because of this mix, a skilled hedge fund manager can make money in bull or bear markets. Investors may wind up with superior long-term returns and a smoother ride to get there. Unlike regular hedge funds, many—though not all—hedge-like mutual funds offer lower minimum investments and lower fees as well as easier access to your money. "You might be able to get into these funds with just a few thousand dollars," says Nadia Papagiannis, editor of Alternative Investments Observer. "You can sell your shares whenever you want, which generally is not the case with hedge funds; and fees are much lower than what you'd pay for hedge funds." Following through: Go to http://www.nytimes.com /2010/01/10/business/mutfund/10hedge.html for a detailed look at why 24 hedge-like mutual funds were launched in 2008 and 2009. If you're planning for a child's college education, you may find prepaid tuition plans a good option. Unlike the 529 college savings plans, which were hit hard by the 2008 bear market and still have not recovered their losses, contributions to the prepaid plans are guaranteed to grow at the same rate as college tuition increases, regardless of how financial markets perform. The catch? Most of these plans, which are offered in 18 states, are tied to the state's financial fortunes. In the recession of 2008-09, many states have increased fees for these plans or adopted other measures to make them less attractive. "A few state plans shift the risk from the plan to the schools, which is better for parents," says Joe Hurley, a CPA and president of Savingforcollege.com. He cites Massachusetts and Texas as examples of this shift. "In addition, the Independent 529 plan offers the same approach to funding tuition at over 280 private colleges across the country." You probably shouldn't manage all of your college savings through a prepaid 529 plan, because these plans generally will provide benefits only for tuition and only at specific schools. Nevertheless, you may want to put some money there if you think your child is likely to attend a school covered by the plan. Following through: Go to http://www.savingforcollege.com/college_savings_201/ to find out whether your state has a prepaid plan. If you've been putting off buying a first home—or even moving at all—new tax credits may make it more attractive to do so. Congress passed a law late last year that expands the previous law's tax credit options for home buyers. Here's what's new: Higher income limits. The full tax credit is available to single taxpayers with income up to $125,000 or up to $225,000 for married couples filing a joint return. These amounts have been increased from $75,000 and $150,000 in the prior law from early 2009. Partial credits are available if those income levels rise to $145,000 and $245,000, respectively. Option for certain previous owners. First-time home buyers can get a tax credit up to $8,000. You qualify if you (and your spouse, if you're married) haven't owned a home for three years before the purchase. In addition, if you've owned and lived in the same home for five consecutive years during the eight years before the purchase, you may qualify for a $6,500 tax credit depending on your income. You have to use the home you buy as a principal residence by April 30 of this year. That moves up to no later than June 30 if a binding contract is in place by April 30. "A qualifying purchase in 2010 can be taken on a 2010 or a 2009 tax return," says Marty Abo, a CPA in Voorhees, N.J. He notes that homes costing over $800,000 are ineligible for either tax credit. Following through: Go to www.irs.gov/newsroom/article/0,,id=204671,00.html for complete details on the newest version of this tax credit. While financial professionals usually differentiate between strategic and tactical investing, some say a combination of these approaches would work for some investors. Although the definitions are not etched in stone, here's a guide: Strategic investing usually refers to a long-term approach. You might decide to hold 75% of your portfolio in stocks, for example, and 25% in bonds. You'd keep investing, through good times and bad, and hope for superior returns. Tactical investing usually indicates an attempt to move in and out of stocks at the right time, to avoid the worst of bear markets. You might sell stocks when the market seems pricey, park the proceeds in cash, then reinvest after stocks have tumbled. "Investors probably should not be fully invested in tactical methods because they may be late getting in and out of the market," says Bill Crager, president of Envestnet, a wealth management firm based in Chicago. "However, it may be appropriate to use tactical methods for a portion of the portfolio because these methods may help investors become defensive in falling markets." Following through: See www.thestreet.com/story/10612765/the-tactical-investor.html for an overview of tactical investing. If you're leery of stocks and looking for similar returns without the turmoil, put some of your money into bonds. At first glance, Treasury bonds (T-bonds) seem a wise investment choice. If you had bought intermediate-term T-bonds during 1995-2008, your 7%-a-year return would have beaten stocks' annualized returns of below 7%, according to Morningstar, Inc., an independent investment research company based in Chicago. Of course, if you bought the wrong stocks or tried to time the market, you may not have made any money at all, making that T-bond yield look even better. In addition, because those bonds had only one down year (they lost about 2% in 1999), investors during that period managed to avoid the stress that often accompanies stock market investments. However, today T-bonds have relatively low yields—about 2.75% for 5-year bonds and 3.80% for 10-year bonds. Instead, physicians are likely to be better off investing in municipal bonds, which yield around 4% and, importantly, are tax-exempt. Tax rates are widely expected to rise, especially for those with six-figure incomes; and higher tax rates would make tax-exempt interest even more appealing. Marilyn M. Gunther, a partner at the Center for Financial Planning in Southfield, Mich., currently prefers municipal bonds with maturities no longer than 10 years; longer-term bonds may lose value substantially if interest rates rise. "It has become difficult to find suitable individual shortterm municipal bonds for clients," Ms. Gunther says. "So we are using more shorter-term 'muni' bond funds." She advises investors to consider the following before investing: Overall length of bonds in the portfolio Credit quality of the bonds Experience and success of the fund manager Still wary? Consider this: Municipal bond prices are actually somewhat depressed because investors fear the weak economy will trim states' and cities' revenues, perhaps leading to defaults. Once the economy recovers and confidence returns, municipal bond prices may move up, which would boost returns to bond fund investors. Following through: Keep up with current yields on T-bond and municipal bonds at www.bloomberg.com/markets/rates/index.html. If your son or daughter is in graduate school and 24 years of age or older, he or she may be able to take advantage of a special tax rule (in effect through 2010) that makes income shifting especially attractive. According to this rule, low-income taxpayers get a 0% tax rate on dividend income and longterm capital gains, explains Tom Ochsenschlager, vice president of taxation at the American Institute of Certified Public Accountants. In 2009, that 0% rate applies as long as taxable income is no more than $33,950 on an individual return, or $67,900 for a married couple filing jointly. Because tax brackets generally expand each year to keep pace with inflation, those numbers probably will be slightly higher in 2010. To see how your son or daughter might use the 0% rate, suppose that your 24-year-old daughter is in medical school, has minimal taxable income, and you are helping to pay her bills. Suppose, too, that you have $52,000 worth of stock in a biotech company that you have been holding for many years. Because you paid $20,000 for those shares, you would incur a $32,000 long-term capital gain if you sold them. "Instead, you can give $26,000 worth of those shares to your daughter�and file a gift tax return�so she can sell them by yearend," Mr. Ochsenschlager says. If you're married and have made no other gifts to your daughter this year, gifts up to $26,000 will be gift-tax free, thanks to an annual gift-tax exclusion. Your daughter will collect $26,000 from the sale and will owe 0% tax, assuming her taxable income (including the gain amount) remains under $33,950 in 2009. Thus shewill have $26,000 to put toward medical school costs. You can repeat the process in 2010 if that 0% tax bracket is still available. Remember, income shifting doesn't work for younger children. In those cases, the "kiddie tax" assesses investment income over $1,900 (in 2009) at the parents' tax rate. Children who aren't full-time students will no longer be liable for the kiddie tax once they reach age 19. Other rules apply to youngsters whose earned income provides more than half of their own support. Following through: For more details on the kiddie tax, go to www.fairmark.com/college/kidtax/kiddietax.htm. If you've been earning too much to take advantage of Roth individual retirement accounts (Roth IRAs), you may be able to tap into a special rule that takes effect in 2010. Roth IRAs allow tax-free withdrawals after you've had the account for five years if you're 591/2 or older. In addition, you never face any required distributions, no matter your age. But most physicians have been shut out of the option. In 2009, for example, a single taxpayer with modified adjusted gross income (MAGI) over $120,000 wasn't able to contribute anything to a Roth IRA; married couples with MAGI over $176,000 were also barred. To contribute the maximum $5,000 this year ($6,000 if you're 50 or older), your MAGI must be under $105,000 on a single tax return or $166,000 on a joint return. If you want to convert your traditional IRA to a Roth IRA, the hurdles are even higher. You must have MAGI no higher than $100,000 this year, on a single or joint tax return. That $100,000 income limit will be abolished after 2009 so you can have a Roth IRA next year, regardless of your income. Usually, when you convert a traditional IRA to a Roth IRA, you owe tax on any pretax dollars that you're converting for the year of the conversion. But for 2010 conversions, you can report half the income on your 2011 return and half on your 2012 return, says Ed Slott, a CPA in Rockville Centre, New York, author of Ed Slott's IRA Advisor, a monthly newsletter; and host of the PBS special, "Stay Rich Forever and Ever." He cautions that the tax bill can be steep. Assuming that Dr. Jones has $400,000 of pretax money in his IRA, if he is in a 35% tax bracket, Dr. Jones will owe a total of $140,000 in tax on a full conversion. If Dr. Jones prefers to pay less tax, he can do a partial conversion. He might convert $100,000 of his IRA in 2010 and defer the taxable income to 2011 (when he'll report $50,000) and 2012 (when he'll report the remaining $50,000). Assuming tax rates remain the same in those years, Dr. Jones will pay a total of $35,000 in tax. "Many people expect future tax rates to be higher because of all the obligations the federal government has assumed," Mr. Slott says. "If you convert your traditional IRA to a Roth IRA now, you'll be able to take tax-free distributions and pass the tax-free account to your beneficiaries, even if tax rates shoot up." Following through: For answers to your questions about Roth IRAs, go to Mr. Slott's Website, www.irahelp.com. Click on "IRA Resources" and "Frequently Asked Questions." If you are interested in rental property, now may be the time to buy. Housing prices may be as low as they're going to get while mortgage rates are reasonable for investors with a good credit record and cash for a down payment. "To get the best mortgage terms, investors probably will need a credit score of 750 or higher as well as enough cash to put at least 30% down," says Greg McBride, a senior financial analyst at Bankrate.com, North Palm Beach, Fla. For the best deals, follow these tips: Try to buy from a lender after it has foreclosed on a home. These homes are collectively known as REO ("real estate owned" by a bank or other lender). Because banks generally don't want to be landlords, they may ask low prices in order to get REO homes off their books. Ask the bank to verify that you won't have to deal with others' claims such as title liens, delinquent taxes, or homeowners' association fees that are in arrears. Be aware that, because REO property usually is sold "as is," a house may have hidden flaws. "It's vital that you hire a reputable home inspector before signing a contract," Mr. McBride says. Insist on working through a realtor who represents one or more lenders. This realtor will have easier access to the bank's properties and probably will have experience in moving the process along. The days of property "flipping" for quick profits are gone and best forgotten, but rental real estate is likely to deliver solid returns and tax benefits to investors who can hold the property for four years or longer. Following through: Find local REO properties owned by Bank of America at www.countrywide.com/purchase/f_reo.asp. About the Author: Donald Jay Korn is a New York-based financial writer with particular expertise in investments, real estate, financial planning, taxes, and insurance. He has authored seven books on financial topics and is a regular contributor to Financial Planning, Black Enterprise, Investor's Business Daily, and Consumer Reports Money Advisor. Now is the time to think about making annual exclusion gifts. Even though the estate tax isn't in effect for 2010, it's highly likely that it will return in 2011 and later years as the federal government looks for ways to battle huge budget deficits. Physicians who earn substantial amounts during their careers probably will amass enough net worth to owe estate tax at rates that might be around 50%. The gift tax exclusion allows you to give up to $13,000 a year each to any number of recipients. For example, Dr. Hall could give a total of $65,000 worth of assets to his two children and his three grandchildren this year, free of gift tax. If Dr. Hall is married, he and his wife could give up to $130,000 to those recipients. Giving away assets that have lost value, such as stocks and real estate, might be a good idea now, too. "If those assets gain value in the future, those assets as well as any appreciation will be out of your estate and thus avoid estate tax," says Martin S. Finn, CPA, managing partner of Lavelle & Finn, a law firm in Latham, N.Y. Following through: Find answers to frequently asked questions about the gift tax from the IRS at http:// www.irs.gov/businesses/small/article/0,,id=108139,00.html. Physicians' tax rates may rise next year as current tax law changes take effect. Here's how the rates compare: Rates in 2010: 10%, 15%, 25%, 33%, and 35%. Rates in 2011 (scheduled): 15%, 28%, 31%, 36%, and 39.6%. One money-saving strategy is to shift income to low-bracket family members. For example, you may be able to hire your children or retired parents to work in your office. "Relatives might perform jobs such as filing, handling mail, Web design, and updating contact lists," says Julie A. Welch, CPA, director of the tax department at Meara Welch Browne, an accounting firm in Kansas City, Mo. Here's how it would work: Dr. Smith pays his teenage daughter Alicia $4,000 a year for work on his practice's information technology system. That reduces Dr. Smith's taxable income at his own high tax rate. Alicia owes no tax on that income because she can take a standard deduction: $5,700 in 2010. If tax rates rise, the family's tax savings may be even greater. For this income shifting to be valid, Dr. Smith must pay Alicia a fair wage for work actually performed. Therefore, if you decide to hire your children or other loved ones for your practice, be sure to keep records and pay the going rate. Following through: Find tips on how to cut payroll tax as well as income tax when you hire your children at http://www.irs.gov/businesses/small/article/0,, id=97748,00.html. The stock market is now trading in the middle of the range it has been in for the last decade. Specifically, the Standard & Poor's 500 index peaked at over 1,500 in March of 2000, fell as low as 675 in early 2009, and now trades around 1,050. In this "sideways" market you should consider selling what's known as "covered calls" to boost your investment income, even if stocks aren't gaining ground. While a regular call is an option to buy a stock at a given price by a set time, a covered call is an option in which the seller owns the underlying stock. Listed options are available on many widely traded stocks. For example, suppose you own 100 shares of ABC Corp., trading at $55. You might sell an option to buy those shares at $57.50 within six months. If you collect $150 for the call, that's a 2.7% return in six months, or a 5.4% annualized return on your $5,500 worth of stock. You'd also collect any dividends earned while you still own the shares. The downside is that you give up any chance of appreciation above $57.50 per share. "If you like the strategy but can't take the time to implement it, there are several mutual funds that buy stocks and sell covered calls," says Nadia Papagiannis, alternative investments strategist at Morningstar. Following through: Find a workshop on covered calls from the Chicago Board Options Exchange at http://www.cboe.com/Strategies/EquityOptions/CoveredCalls /Part1.aspx. Although tax-exempt municipal bonds are gaining popularity, be aware of the serious risks before making an investment decision. Spurring the interest are scheduled income tax rate increases: Under current law, top-bracket investors will pay 39.6% on investment interest income in 2011, up from 35% in 2010. Nevertheless consider these ominous risks: Short-term risks: The recession that started in 2008 remains a concern. As unemployment increased and real estate values fell, municipal bond issuers have seen income, sales, and property taxes decline. Some issuers may default because of difficulty paying interest and redeeming bonds. Long-term risks: Some municipal bond issuers have huge obligations, especially pensions. Some day those issuers may have to choose between paying retirees and paying bond holders. Bankruptcy is a possibility, and bond holders could suffer losses. "Pension obligations are senior to bond debt service in most states," says Josh Gonze, managing director, Thornburg Investment Management and co-portfolio manager for Thornburg Municipal Bond Funds, Santa Fe, N.M. "Defaults could occur in the future." To minimize those risks, focus on bonds issued to fund essential services, such as water and sewer bonds. Because of their vital nature, it's unlikely that these issuers will default. Conversely, be cautious about municipal bonds from issuers with large numbers of public employees and long histories of offering rich pensions. In any case, be sure to read the offering materials before investing so you know where your money is going. Following through: Find Moody's detailed study of municipal bond defaults in the last 40 years at http://www.moodys.com/cust/content/Content.ashx? source=StaticContent/Free%20Pages/Regulatory%20 Affairs/Documents/us_municipal_bond_defaults_and_ recoveries_02_10.pdf. If you're sending a child away from home for multiple years of higher education, one way to reduce your net expenses is to buy housing near campus where your student can live. Here are two options: Buy a condo. After your child graduates, you can sell the apartment, perhaps to another student. If you break even on the re-sale or even come close, you may save tens of thousands of dollars that you would have spent on dorm fees or apartment rents. Buy a house. Choose one that's large enough for several students so that your child can have roommates. Your child can live there while other students are rent-paying tenants. "Buy a house that doesn't need a lot of time and money to get ready for occupancy," says Bert Whitehead, MBA, JD, president, Cambridge Connection Inc., a financial planning firm in Franklin, Mich. "You might spend a few dollars on carpeting, cleaning, painting, basic landscaping, and small repairs. If the house needs a new kitchen or a new roof, don't buy it." If your aim is to rent to students, a location near campus is more important than elegance. With the latter option, cash flow from tenants may cover the costs of owning the property; and you'll be entitled to the tax breaks from owning investment property, such as depreciation. Besides all the money you save by not paying for your student's room and board, you may even turn a profit on the deal if the real estate market recovers. Following through: See how room and board add to the total cost of sending a child to college, as reported in the latest annual report from the College Board at http://www.trends-collegeboard.com/college_pricing/pdf/2009_Trends_College_Pricing.pdf. Although Social Security benefits won't make you rich, don't ignore them when planning your retirement. Today a physician with high lifetime earnings may collect $28,000 a year from that program. Given a 50% benefit to a spouse with low earnings, a retired couple could receive $42,000 a year from Social Security. That's like having a $1-million bond portfolio. But don't rush to collect. The earliest you can start to receive Social Security benefits is age 62, and the latest is age 70. During that eight-year span your benefit will increase by about 8% for each year that you wait. Consider this example: Dr. Carson could start at age 66, now the "normal retirement age" for Social Security, and receive $28,000 a year. By waiting four years to start, until age 70, Dr. Carson would boost her benefits by 32% to more than $37,000 a year. "If you are unmarried [and] in poor health, it probably makes sense to start Social Security as soon as possible," says Michael Kitces, director of research for Pinnacle Advisory Group, a wealth management firm in Columbia, Md. "Otherwise, waiting to start benefits can help to hedge retirement risks such as inflation, poor investment performance, and running short of money as you grow older." For married couples, there may be another reason for waiting to start Social Security: If the higher-earning spouse dies first, the surviving spouse will continue to collect the benefit earned by the higher-earning spouse. Following through: Find the report "How Much Do Households Really Lose by Claiming Social Security at Age 62?" from the Center for Retirement Research at Boston College at http://crr.bc.edu/images/stories/Working _Papers/wp_2009_11.pdf. A WBENC-Certified Women's Business Enterprise Brandofino Communications, Inc. ©2011 All rights reserved. Publishers of the following: Doctor's Digest Doctor's Digest for Oncologists Clinician's Digest Pharmacist's Digest Patient's Digest MEMO-Snap Patient Data Pads, Message Mates and Patient Reminders

A new version of an app allows meeting attendees to name and shame groups that don't show diversity in their panels. Also: a comprehensive look at the health of the internet. Are you tired of seeing all-male panels? Gina Glantz, a longtime Democratic strategist and founder of GenderAvenger, certainly is. "Avenger's mission has been to help amplify the voices of people who witness an all-male event and want [to] draw attention to—and hopefully convince the organization to correct—the imbalance," writes Kristen Bellstrom in a recent piece for Fortune. To help with this, the nonprofit has created an app called GA Tally, which allows users to measure the gender and ethnic breakdown of a panel and account for how long each person talks. "The app turns the information into a simple graphic that can be shared (along with any appropriate hashtag) on social media," writes Bellstrom. GenderAvenger also gives a "GA Stamp of Approval" to panels or groups that they believe are getting it right. Is the internet healthy? That's the central question being answered in a new report from Mozilla. "Working with researchers, digital rights activists, Mozilla fellows and our community, we tell a collaborative story of how the internet is––and isn't––healthy from a human perspective," states the report's introduction. The report delves into issues, including who controls the internet, how open it is, safety, and web literacy. Taking a look at the safety section, you'll find insights and analysis on ransomware, passwords, unwarranted surveillance, and the vulnerability of the internet of things. Are you looking for more millennials to join your board? Know Your Own Bone shares compelling reasons for why you should. Believe it or not, there's a museum out there devoted to the selfie. BizBash says there is a lot event pros can learn from it when it comes to creating photo ops at your next meeting. Sometimes the devil really is in the details. Engaging Volunteers reveals how a change in one organization's nametags made volunteers happier.

Capitol Hill Blue Forums Political Issues Politics In General Denialism There are no members with birthdays on this day. Throwing a cat among the pigeons by Mellowicious - 01/28/22 05:40 PM Coronavirus: The Plague of The 21st Century? by pdx rick - 01/28/22 11:50 AM by rporter314 - 01/28/22 03:35 AM by Jeffery J. Haas - 01/28/22 03:26 AM Round Table Winter 2021 by pondering_it_all - 01/27/22 11:05 PM Editorial: History will harshly judge Trump's coup attempt — and those who defen by rporter314 - 01/27/22 07:03 PM by Jeffery J. Haas - 01/27/22 05:20 PM Gerrymandering by perotista - 01/27/22 04:12 PM They're saying the quiet parts out loud now by pondering_it_all - 01/26/22 01:14 AM National Commission to Investigate the January 6 The long and winding road to Dumbass by chunkstyle - 01/24/22 05:37 PM Interesting read - maybe by Mellowicious - 01/24/22 06:19 AM XX or XY Genome by Ken Condon - 01/22/22 07:01 PM Texas hostages Lindsey v. Mitch: Senate cage match by logtroll - 01/15/22 05:11 AM Complexity Science RoundTable For Fall 2021 Fox News Hosts Begged Trump to Act., told a different story on air Divorce: American Style Popular Topics(Views) 9,821,778 my own book page 9,461,529 Miscellaneous humor thread 8,190,012 the word association game 4,884,258 We shall overcome 4,619,211 Wonder what the poor folks are eatin' tonight? 4,003,449 Campaign 2016 3,640,749 Trump's Trumpet 2,973,292 Is it too soon to be talking 2020? 2,892,792 3 word story game 2,864,288 Big brother is watching Rate Thread Page 9 of 15 1 2 … 7 8 9 10 11 … 14 15 Re: Denialism pdx rick #338986 11/29/21 04:08 PM Greger Rick, you do realize that this holds true for almost everyone you've ever voted for? Mueller found nothing and there were no indictments. Anything beyond that is sheer fantasy created by the media and in the fevered imaginations of Democrats. Good coffee, good weed, and time on my hands... Puget Sound, WA pdx rick OP CHB-OG pdx rick I disagree. I don't think Barack Obama was like that, nor do I think that Joe Biden is like that. Your mileage may vary. Contrarian, extraordinaire Of course they weren't like that, Rick, they were Democrats and I'm pretty sure that Democrats are all as pure as the driven snow! Do I need to go into another tirade about the wonderfulness and abject perfection of all Democrats...? Some interesting stuff coming out about Hunter Biden and China and the Czech Republic... Lies, all of it I'm sure. Because Dems are incapable of wrongdoing. chunkstyle Yes, I do know. A wonderfully informative book called Trump by Wayne Barrett, an investigative journalist from the old Village Voice went into the criminal anthology of the Trumps. I've recommended it here IIRC. I've often wondered why, knowing what is known about Trump history, Dem Corp never went for emoluments. Guess they didn't want to go there. My guess would be not knowing where it would end. You ever read Assange's Podesta e-mail drop? Does that strike you as criminality as a form of fraud by the DNC and it's creditor, HRC? Also, keeping with the witness stand vibe, do you believe in the first amendment? Last edited by chunkstyle; 11/29/21 05:09 PM. Biden's involvement in the Ukraine was eyebrow raising for me. I dunno. Maybe I should have tried harder in school. Maybe I could have gotten a board seat at an oil company after getting expelled from school for having a good time. Seems like a legit career path. Greger #339006 11/29/21 10:33 PM NW Ponderer Originally Posted by Greger I'm sorry, but that is not even close to being accurate. I've got the report, I've read the report. It is FULL of direct, substantiated, illegal activity as well as numerous attempts, including, specifically, by DJT. That it hasn't been prosecuted is more a function of politics - and political will - than merit. So, let's dispose of that nonsense right now. I'm kinda flabbergasted, my friends, at some of the nonsense and vitriol being blurped out here. I'm a detail, level-headed, non-partisan observer. The level of detail of criminal activity is not minor or miniscule. The "Steele Dossier" has not been debunked - not even close. Where is this coming from?It Wasn't a Hoax (David Frum, the Atlantic): "If Donald Trump had been supported only by people who affirmatively liked him, his attack on American democracy would never have gotten as far as it did. Instead, at almost every turn, Trump was helped by people who had little liking for him as a human being or politician, but assessed that he could be useful for purposes of their own. The latest example: the suddenly red-hot media campaign to endorse Trump's fantasy that he was the victim of a 'Russia hoax.'" The factual record on Trump-Russia has been set forth most authoritatively by the report of the Senate Intelligence Committee, then chaired by Richard Burr, a Republican from North Carolina. I'll reduce the complex details to a very few agreed upon by virtually everybody outside the core Trump-propaganda group. Dating back to at least 2006, Trump and his companies did tens of millions of dollars of business with Russian individuals and other buyers whose profiles raised the possibility of money laundering. More than one-fifth of all the condominiums sold by Trump over his career were purchased in all-cash transactions by shell companies, a 2018 BuzzFeed News investigation found. In 2013, Trump's pursuit of Russian business intensified. That year, he staged the Miss Universe pageant in Moscow. Around that time, Trump opened discussions on the construction of a Trump Tower in Moscow, from which he hoped to earn "hundreds of millions of dollars, if the project advanced to completion," in the words of the Senate Intelligence Committee. Trump continued to pursue the Tower deal for a year after he declared himself a candidate for president. "By early November 2015, Trump and a Russia-based developer signed a Letter of Intent laying out the main terms of a licensing deal," the Senate Intelligence Committee found. Trump's representatives directly lobbied aides to Russian President Vladimir Putin in January 2016. Yet repeatedly during the 2016 campaign, Trump falsely stated that he had no business with Russia—perhaps most notably in his second presidential debate against Hillary Clinton, in October 2016. Early in 2016, President Putin ordered an influence operation to "harm the Clinton Campaign, tarnish an expected Clinton presidential administration, help the Trump Campaign after Trump became the presumptive Republican nominee, and undermine the U.S. democratic process." Again, that's from the Senate Intelligence Committee report. The Trump campaign adviser George Papadopoulos "likely learned about the Russian active measures campaign as early as April 2016," the Senate Intelligence Committee wrote. In May 2016, Papadopoulos indiscreetly talked with Alexander Downer, then the Australian high commissioner to the United Kingdom, about Russia's plot to intervene in the U.S. election to hurt Clinton and help Trump. Downer described the conversation in a report to his government. By long-standing agreement, Australia shares intelligence with the U.S. government. It was Papadopoulos's blurt to Downer that set in motion the FBI investigation of Russia's interference in the 2016 presidential election, a revelation authoritatively reported more than three years ago. In June 2016, the Trump campaign received a request for a meeting from a Russian lawyer offering harmful information on Hillary Clinton. Donald Trump Jr. and other senior Trump advisers accepted the meeting. The Trump team did not obtain the dirt they'd hoped for. But the very fact of the meeting confirmed to the Russian side the Trump campaign's eagerness to accept Russian assistance. Shortly after, Trump delivered his "Russia, if you're listening" invitation at his last press conference of the campaign. WikiLeaks released two big caches of hacked Democratic emails in July and October 2016. In the words of the Senate Intelligence Committee: "WikiLeaks actively sought, and played, a key role in the Russian intelligence campaign and very likely knew it was assisting a Russian intelligence influence effort." Through its ally Roger Stone, the Trump campaign team assiduously tried to communicate with WikiLeaks. Before the second WikiLeaks release, "Trump and the Campaign believed that Stone had inside information and expressed satisfaction that Stone's information suggested more releases would be forthcoming," according to the Senate Intelligence Committee. In late summer and early fall 2016, Stone repeatedly predicted that WikiLeaks would publish an "October surprise" that would harm the Clinton campaign. At the same time as it welcomed Russian help, the Trump campaign denied and covered up Russian involvement: "The Trump Campaign publicly undermined the attribution of the hack-and-leak campaign to Russia and was indifferent to whether it and WikiLeaks were furthering a Russian election interference effort," the Intelligence Committee found. In March 2016, the Trump campaign accepted the unpaid services of Paul Manafort, deeply beholden to deeply shady Russian business and political figures. "On numerous occasions, Manafort sought to secretly share internal Campaign information" with a man the Intelligence Committee identified as a Russian intelligence officer. "Taken as a whole, Manafort's high-level access and willingness to share information with individuals closely affiliated with the Russian intelligence services … represented a grave counterintelligence threat," the committee found. Through 2016, the Russian state launched a massive Facebook disinformation program that aligned with the Trump campaign strategy. At crucial moments in the 2016 election, Trump publicly took positions that broke with past Republican policy and served no apparent domestic political purpose, but that supported Putin's foreign-policy goals: scoffing at NATO support for Estonia, denigrating allies such as Germany, and endorsing Britain's exit from the European Union. Throughout the 2016 election and after, people close to Trump got themselves into serious legal and political trouble by lying to the public, to Congress, and even to the FBI about their Russian connections. All of these are facts that would be agreed upon even by the latter-day "Russia hoax" revisionists and, for that matter, anybody this side of Breitbart or One America News Network. A well reasoned argument is like a diamond: impervious to corruption and crystal clear - and infinitely rarer. Here, as elsewhere, people are outraged at what feels like a rigged game -- an economy that won't respond, a democracy that won't listen, and a financial sector that holds all the cards. - Robert Reich NW Ponderer #339015 11/30/21 12:59 AM David Frum…David Frum… The same David Frum of the axis of evil fame? The same David Frum who gaslight their country with respect to 'weapons of mass destruction' claims that turned out to be pure B.S.? Priming the country to invade Iraq that lead to hundreds of thousands of deaths of innocent Iraqi's David Frum? Tell me it's not the same David Frum that argued war would bring stable democracy to the Middle East is it? This isn't the neocon conservative think tank war hawk and former Busch jr. speech writer that was against the Iranian nuclear deal and has pushed for war with Iran David Frum is it? Does David Frum have credibility with you NWP? Lots of innuendo, no real criminality from your post. Didn't Manafort do work for the Podesta group in the Ukraine? Same group that was referred by Mueller to the SDNY for its foreign lobby registration omissions? Last edited by chunkstyle; 11/30/21 01:01 AM. Greger #339028 11/30/21 05:56 AM Some interesting stuff coming out about Hunter Biden and China and the Czech . Don Jr is a known coke addict…should orange Fatboy be held accountable for Jrs actions? Of course not! chunkstyle #339029 11/30/21 07:00 AM Originally Posted by chunkstyle Jesus, you're just a repetitious one-note song, aren't you. NO, I'm not quoting David Frum because he's a "credible source" or I believe in him, but because he lays out the FACTS that were laid out by the REPUBLICAN committee that investigated the circumstances. Neither has an incentive to undercut the Republican party or further a Democratic agenda. There's a legal principle behind that credibility, it's called "a statement against interest." A genuine suggestion: get out of your own head, listen to reason, and evaluate things rationally, my friend. I really don't know where you are coming from, but it isn't the real world. Have you read the Mueller Report? Do you have a clue what is in it? Do you have a law degree? Have you evaluated the evidence in light of the law? You keep pulling things out of god-know-where and making outlandish pronouncements that have - at best - a tentative connection to things like... oh, facts, evidence, reality. It's getting more than a little bothersome. pdx rick #339032 11/30/21 10:42 AM One of the Mexicos logtroll If a man would register all his opinions upon love, politics, religion, learning, etc., beginning from his youth and so go on to old age, what a bundle of inconsistencies and contradictions would appear at last! -Jonathan Swift, satirist (30 Nov 1667-1745) You never change things by fighting the existing reality. 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Home World CEO of Crew Clothing CEO Resigns CEO of Crew Clothing CEO Resigns By Karen Roe [CC BY 2.0], via Wikimedia Commons Crew, a British lifestyle clothing brand, has been sold by Livingbridge, its founder and private equity firm to Exquisite Apparel. However, Crew will be advancing under a new image, as the chief executive who was brought in by Livingbridge in order to develop the brand, Louise Barnes, has resigned following the sale. Barnes attempted to lead a management buyout. However, it was outbid by Exquisite. Livingbridge credited Barnes "and her management team" in a statement with "successfully sharpening the brand positioning, updating the product range, and overhauling the retail and e-commerce channels." The company refused to comment on the departure of Barnes. However, a spokesperson stated: "Crew is a high-quality asset, and there were several attractive offers made for the business." In a statement, Bevan Duncan stated: "We have really enjoyed working with Crew and look forward to seeing the next stage in its growth story. We would like to take this opportunity to thank Louise Barnes and her team for their dedication to Crew and the work she has led in reinvigorating and strengthening the brand." In 2006, Livingbridge invested in Crew. The company's annual revenues are now almost £60m. Last year, the brand generated earnings before deductions amounting to £2.7m, and in October, like-for-like sales grew seven percent. Crew was established in 1993 by Alastair Parker-Swift near a windsurfing school in Salcombe, Devon. It currently has over 80 stores. Parker-Swift will proceed to work with the business under its new ownership. Not much is known regarding the mysterious Exquisite Apparel, which has little online presence. According to Retail Week, a trade publication, the company is fronted by Michael Shina, and it produces branded clothing including Tommy Hilfiger under licence for Walmart. Exquisite Apparel Livingbridge Louise Barnes Previous articleNikkei: Apple is Planning to Launch a 6.3-inch iPhone Next articleDomino's: Young People Base Their Ideas of Leadership on The Devil Wears Prada and The Apprentice End Brexit squabbles and pin down transitional offer, IoD advises ministers The Guardian - August 4, 2017 A number of UK banks stop offering Qatar riyals as diplomatic crisis installs Volkswagen to Cut Size of Dealer Network, Launch Online Sales Merck Shares Plunged as it Reports 3rd Quarter Loss Gregory Dy - October 27, 2017 Honda Employees Calls To Keep Swindon Factory Gregory Dy - March 1, 2019 Domino's Proposes for Leadership Training to be Included to National Curriculum Amid Concerns of...

Asian Shares on Edge as U.S. Bond Yields Rise, Oil Volatile Gurutrade November 24, 2021 at 12:40 PM 271 HONG KONG, Nov 24 (Reuters) - Share markets were jittery in early Asia on Wednesday as trading was buffeted by a step-up in U.S. Treasury yields as well as volatile oil prices in the face of price-cooling moves by the United States and other nations. MSCI's broadest index of Asia-Pacific shares outside Japan slid 0.24%, while Japan's benchmark Nikkei stock price index fell 1.13%, as it returned from holiday and caught up with global falls the day before . Oil steadied a day after rising 3% to a one-week high, even after the U.S. said it would release millions of barrels of oil from strategic reserves in coordination with China, India, South Korea, Japan and Britain to try and cool prices after repeated calls for more crude failed to sway OPEC+ producers. Brent crude futures reversed early losses to rise 0.15% to $82.43 a barrel and U.S. crude futures rose 0.33% to $78.76 a barrel. "There's a lot going on at the moment," said senior Asia economist Carlos Casanova at Swiss private bank UBP. "10 year yields are rising, and the U.S. dollar is strong, which is a little bit disruptive for Asian markets as a lot of the currencies (apart from the Chinese yuan) will depreciate and there will be some outflows on the back of widening real rate differentials." However, "Chinese asset classes have been holding up relatively well," he said, attributing the strength to the People's Bank of China removing several hawkish references from Friday's quarterly monetary policy support, indicating central bank support later this year or early next, "which will provide a floor for equities." Chinese blue chips were last flat 0.1% and are up about 0.5% so far this week, versus a near 1% fall this week in the Asian regional benchmark. Hong Kong shares lost 0.1%. Overnight, yields on 10-year U.S. Treasury notes rose more than 5 basis points to as high as 1.684% while yields on 30-year Treasury bond gained 6 basis points. Two-year U.S. Treasury yields slipped having touched their highest level since March 2020 on Monday. "There's a risk that the Fed may speed up tapering (of its bond-buying stimulus programme) and that in turn means the timetable for tightening may be brought forward, contributing to the stronger dollar," said currency strategist Sim Moh Siong at Bank of Singapore. Investors will be scrutinising the minutes of the U.S. Federal Reserve policy committee's November meeting to be published later in the global day for signs that the pace of tapering could accelerate. Non-interest bearing gold which had reacted poorly to the rise in Treasury yields, recovered a little. The spot price was last at $1,794 up 0.2% but still close to Tuesday's two-week low. Major currencies are largely trading based on market expectations of central banks' interest rate normalisation schedules. New Zealand's central bank lifted interest rates for the second time in as many months on Wednesday, driven by rising inflationary pressure and as an easing of coronavirus restrictions supported economic activity. However, with markets having been open to the possibility of a larger hike, the New Zealand dollar wobbled on the news before ending marginally weaker at $0.6928. Next on the agenda in Asia is the Bank of Korea (BOK), which has its policy meeting Thursday. All but one of 30 economists in a Nov. 15-22 Reuters poll predicted the BOK would raise its base interest rate by 25 basis points to 1.00%, with the dissenter anticipating a larger hike. Otherwise, currency markets paused for breath on Wednesday as the dollar largely held onto recent gains against most peers on the back of rising Treasury yields. However, the greenback did manage to edge up marginally to hit a four-and-a-half-year top of 115.22 yen. Reporting by Alun John; Editing by Christopher Cushing

Borqs Technologies Inc. provides software and products for IoT providing customizable, differentiated and scalable Android-based smart connected devices and cloud service solutions. It operates primarily in Canada, China, India and the United States. Borqs Technologies Inc. is headquartered in Beijing, China. Borqs Technologies, Inc. (NASDAQ) surged 0% yesterday to close its trading session at $4.98. The company has 1 year Price Target of $12. Borqs Technologies, Inc. has 52-Week high of $11.15 and 52-Week Low of $2.11. The stock touched its 52-Week High on 11.15 and 52-Week Low on 2.11. The stock traded with the volume of 0 shares yesterday. The firm shows the market capitalization of $159.3 Million. The firm is trading with SMA20 of 27.25 Percent, SMA50 of 35.79 Percent and SMA200 of -15.54 percent. Borqs Technologies, Inc. has P/S value of 0.8 while its P/B value stands at 2.78. Similarly, the company has Return on Assets of 0.6 percent, Return on Equity of 1.6 percent and Return on Investment of -15.5 Percent. The company shows Gross Margin and Operating Margin of 13.5 percent and 3.5 percent respectively. The 1 analysts offering 12-month price forecasts for Borqs Technologies Inc have a median target of 12.00, with a high estimate of 12.00 and a low estimate of 12.00. The median estimate represents a +141.06% increase from the last price of 4.98. Century Casinos,Inc. & its subsidiaries,own & operate a limited-stakes gaming casino in Cripple Creek,Colorado & are pursuing a number of additional gaming opportunities internationally & in the U.S.The Company was formed to acquire ownership interests in,and to obtain management contracts with respect to,gaming establishments.The Company generally seeks to enter into gaming operations in areas with attractive demographic attributes,high population densities,local tourism and/or predictable traffic patterns,w/ the long-term objective of establishing geographic project diversification. The 4 analysts offering 12-month price forecasts for Century Casinos Inc have a median target of 11.50, with a high estimate of 14.00 and a low estimate of 9.00. The median estimate represents a +49.35% increase from the last price of 7.70. Century Casinos, Inc. is estimated to report earnings on 03/08/2019. The upcoming earnings date is derived from an algorithm based on a company's historical reporting dates.Our vendor, Zacks Investment Research, might revise this date in the future, once the company announces the actual earnings date. According to Zacks Investment Research, based on 2 analysts' forecasts, the consensus EPS forecast for the quarter is $0.08. The reported EPS for the same quarter last year was $0.01. According to Zacks Investment Research, Century Casinos, Inc. has a Consensus Recommendation of 1. (The Scale is from 1-5 where 1 means Strong Buy and 5 means Strong Sell). The Stock declined -0.65% and closed its last trading session at $7.7. The company has the market capitalization of $222.53 Million. The stock has 52-week high of $9.7 and 52-Week low of $5.77. The firm touched its 52-Week high on 9.70 and 52-Week low on 5.77. The company has volume of 56169 shares. The company has a total of 28.9 Million shares outstanding. Century Casinos, Inc. (NASDAQ) in the last quarter reported its actual EPS of $0.05/share where the analyst estimated EPS was $0.05/share. The difference between the actual and Estimated EPS is $0. This shows a surprise factor of 0 percent. The company has YTD performance of 4.19 percent. Beta for Century Casinos, Inc. stands at 0.67 while its ATR (average true range) is 0.3. The company has Weekly Volatility of 3.83%% and Monthly Volatility of 4.22%%. Century Casinos, Inc. has distance from 20-day Simple Moving Average (SMA20) of 4.56%, Distance from 50-Day Simple Moving Average of 7.64 percent and Distance from 200-Day Simple Moving Average of 0.05%. The Company currently has ROA (Return on Assets) of -0.9 percent, Return on Equity (ROE) of -1.4 Percent and Return on Investment (ROI) of 2.2% with Gross margin of 47.2 percent and Operating & Profit margin of 5.6% and -1.5% respectively.

Bat Handling Course with Echoes Ecology June 19, 2014 Grantham Ecology3 Comments I recently travelled up to Scotland to attend a Bat Handling Course run by Echoes Ecology in Polmont. The course was an opportunity to refresh and practise my bat handling skills as well as gain more experience in the techniques used to capture bats. The course involved two nights of trapping. On the first night we used a hand net to catch soprano pipistrelle bats at a roost near to Loch Lomond. The small size of this species requires care and delicacy when handling to ensure that their wellbeing. The second day was spent in the Echoes Offices with presentations on handling technique, bat identification, health and safety considerations and licensing. The atmosphere was relaxed and informal as well as informative, with discussion between candidates and course leaders. On the second night, we went to a viaduct site to capture Daubenton's bats leaving a roost in the side of the viaduct wall. We also set up a mist net and captured a soprano pipistrelle foraging beside the canal. I have put together a short video of the harp trapping at the viaduct, including some trailcam footage of bats exiting the roost and encountering the harp trap. This was using the 'Field Scan' setting on the Bushnell Trailcam as bats do not seem to trigger the unit in my experience. I hope you enjoy the video below – if you would like further information on the courses run by Echoes Ecology, which include ornithological courses as well as bat courses, visit their website or their facebook page for more information. Batsbat, course, daubenton's, hand net, handling, harp trap, mist net, pipistrelle, Scotland, trapping Wildflowers at Harlaxton Wharf, Grantham Canal June 17, 2014 Grantham Ecology1 Comment I stopped off at Harlaxton Wharf on a cycle along the canal and got somewhat waylaid identifying the flowers there – for a very small square of land, you will find many species of wildflower! These include many species planted intentionally, using Naturescape seeds and the assistance of the Princes Trust when the Wharf was restored. Others, including some of the more understated species but also some of the most impressive, are centuries-old inhabitants of the Grantham Canal bankside. I have run through a whirlwind description to help you identify the species which are there – I may have missed some so please let me know if you spot anything else whilst waiting for a Canal Boat ride from the Grantham Canal Society – more info about the trips which leave from the Wharf can be found here and details of the renovation works are here. There is also a gallery of photographs of the wildflowers, arranged by colour, to help you with identification. Sign at Harlaxton Wharf If you are visiting before July then the big flashy purple flowers from tall grey/green plumes of vegetation are corncockle (Agrostemma githago). Large herbaceous plants with purple flowers after this stage are the more likely to be the later flowering rosebay willowherb (Epilobium angustifolium), the plants of which can grow to 2m tall with their purple flowered trumpets topping a tower of lanceolate leaves. If the last description sounds right, bar the size, then the more diminutive broad-leaved willowherb (Epilobium montanum) might be your species – this grows no more than 50cm in height and is altogether more delicate than the big bruiser which is rosebay. The fluted flowers often shade from white to pink as they mature. Greater knapweed (Centaurea scabiosa) is also growing here – the flowers are almost thistle-like but are plumed with tendrils at the petal tips. The colour is blue with a tinge of purple and the leaves are unlike thistles completely – robust fleshy and smooth green leaves with none of the spikes associated with thistles. The large familiar yellow flowers growing from a rosette of toothed leaves (dandelion coming from the French: Dents de Lion) are your common or garden dandelion (Taraxacum officinale agg.). Watch out too for smaller, finer flowered versions – these are autumn hawkbit (Leontodon autumnalis) and they are not in flower until later in the year, as the name suggests. Common nettle (Urtica dioica) should be known to most – if it stings you then you have your identification. The flowers on this are non-descript to say the least, fine tassles of tiny flowers in a sting-bead. If your 'nettle' has flowers then check the colour. There are a number of non-stinging 'dead' nettles and two of these are found at the Wharf. Luckily, their colour gives them away – white dead-nettle (Lamium album) is white whilst red dead nettle (Lamium purpureum) is red. There are other differences to tell the apart – the key characteristic is size and stature – if your deadnettle is approaching the structure of a stinging nettle then it is most probably white. Red is much less sturdy, often lower to the ground with finer leaves. There is a third option for a species with nettle-like leaves but no sting and this is hedge woundwort (Stachys sylvatica) – this has spikes of purple flowers which look almost orchid like. The best test here is scent- if there is a powerful unpleasant scent from the crushed leaf (certainly not like anything else I have ever smelt) then this is your species! Taller flowers of red or white on long flower stalks with soft ovoid leaves are the red campion (Silene dioica) and the white campion (Silene latifolia). Again, there are other campions to choose from – the bladder campion can be seen out in the limestone swards of The Drift or the Viking Way – but only these two species are on the Wharf. Colour is key to ID! Rounded, softly serrated leaves and a noticeably squared stem identify common figwort (Scrophularia nodosa). The flowers are deep red but tiny – at first glance you might think them buds waiting to burst into an exciting rich flower but closer inspection reveals them to be at the height of their glory. Buttercups come in different shapes and sizes and two can be found here beside the canal – creeping buttercup (Ranunculus repens) is a very common species which is often found in damper places – a wet flush in a pasture field will often be stained yellow with the flowers. Other species are also common and a second can be found here – bulbous buttercup (Ranunculus bulbosus) differs in the leaf and structure but the key ID is in the flowers – the sepals (these are the green beneath the flower) are reflexed, that is they are peeled back like a banana and pressed against the stem below. Earlier in the year, you will see buttercup-like flowers but these could well be lesser celandine (Ranunculus ficaria). The flower petals of this species are more pointed than the very rounded petals of the buttercups and the leaves are round and shiny rather than serrated and dissected like those of the buttercups. For similarity of name rather than similarity of plant, I will also mention the greater celandine (Chelidonium majus). This is no relation to the lesser celandine but shares a name nonetheless. Greater celandine is in the cabbage family and is a much larger, more foliose plant. You get a lot of leaf for your flower! Spiky plants next: there are three purple-flowered thistle species to be seen. The biggest, boldest thistle with spikes which look as though they have the ability to impale are the spear thistle (Cirsium vulgare) – think of the spikes as spears for an easy way to remember. There are too smaller species which look as though they could just give you a nasty prickling – here the key difference to tell them apart is the presence of spiky leaflets on the main stems – welted thistle (Carduus crispus) has them whilst creeping thistle (Cirsium arvensis) does not. To confuse matters ever so slightly further, there is another similar species you will see which is in fact a sowthistle rather than a thistle – the thistles all have purple flowers whereas the sow thistle has yellow flowers. The prickly sow thistle (Sonchus asper) has spikey leaves which wrap around their stem. A smooth version of this called, appropriately enough, a smooth sow thistle (Sonchus oleraceus) grows alongside it. Of very different structure, but on the theme of spikes, are the white-flowered bramble (Rubus fruticosus agg.) which rambles along the ground and up through adjacent shrubs and trees. It should be familiar to anybody who has been blackberry-ing. Also instantly recognisable is the rose which grows wild here – the curved thorns and open white-pink flowers should be immediately recognisable to genus. This species is the dog rose (Rosa canina). The tall, white-flowered umbellifers are another distinctive group – their flowers are in umbels which can be thought of as umbrellas for an easy visual clue. The leaves vary but are generally divided to a greater or lesser extent – lots of 'empty space' within the leaf footprint if you will. If the leaves are big and bold, divided into big lobes then you have hogweed (Heracleum sphondylium). Then there is the notorious ground elder (Aegopodium podagraria) – if you have it in your garden then you can pick it out of a line-up. The leaves appear directly from the ground very much like the leaves of the elder after which it is named. This will also send up dense heads of white flowers in a compact cluster. If it is neither of these, then next check is the stem – if there are purple dots of blotches then you have the highly toxic hemlock (Conium maculatum) – back away slowly and for goodness sake do not touch or eat. This leaves two other umbellifers which flower at the wharf and the simplest way to differentiate is to ask what time of year it is. Cow parsley (Anthriscus sylvestris) is a big, brash species which flowers early in the spring and is generally going over by the end of May. This is superseded by the smaller, finer, more delicate hedge parsley (Torilis japonica) which flowers for the remainder of the summer. Two primrose species are to be found – a line of wild primrose (Primula vulgaris) grow along the bank with their pale yellow, individual flowers which are open and relatively large with wavy, indefinite edges. By contrast the cowslip (Primula veris) has groups of tighter, more enclosed flowers which hang together – a brighter yellow in colour with flecks of orange. Ivy (Hedera helix) should need no introduction – a creeping plant with glossy green heart-shaped leaves. The flowers in the autumn are a great nectar source – clusters of small black sphered which look something like a tiny bunch of black grapes. Some of the largest leaves on the Wharf belong to burdock (Arctium lappa) – these are greyish green above and whitish green below. The burdock flowers are fairly insipid but the seeds are a ball of hooks which fall apart to individual hooked seeds when you try to pick them apart when snagged on hair or clothes. Another species which will stick to you if it has a chance is cleavers (Galium aparine). This has tiny four-petalled white flowers and grows in long strands, often creeping and climbing its way through other vegetation, with little whorls of leaves intermittently up its stem. There are a number of galium species in the UK but this is the most common and the only one which will stick to your jumper with ease! There are a number of small plants with purple flowers and a more or less creeping characteristic – I will tell you about each in turn. Plants with little deep-purple trumpet-shaped flowers and ivy-shaped leaves – these will be the ground ivy (Glechoma hederacea). If the leaf description sounds right but the flowers do not, then perhaps the delicate trailing ivy-leaved toadflax (Cymbalaria muralis) is your species – these flowers have three lower petals and two upper with a yellow patch in the centre. If the purple flowers are star-shaped with fine green filigree foliage and red-wine stems then it is probably herb Robert (Geranium robertianum). Finally, if the plant has a more upright character with purple pea-like flowers and tendrils on the ends of the pinnate leaf stems, then this will be the common vetch (Vicia sativa). A species which stands apart from the others is Lords and Ladies or Arum lily (Arum maculatum). The deep-green, often dark-flecked waxy leaves emerge straight from the ground in the early spring with the pale hooded flower rearing up soon afterwards with the long purple flower spike below. The action is all over by mid-May with the green berries appearing on a low spike, turning to red in the autumn. Small yellow flowers on a substantial plant could be wood avens (Geum urbanum) – these leave a strange seed something like a strawberry after the flower has been fertilised and the flower lost. Nipplewort (Lapsana communis) is a taller species with a number of yellow flowers present in a very diffuse 'head'. The flowers on the former have five distinct petals whilst the latter is a composite flower – it is a member of the daisy family – and has a larger number of yellow florets which somewhat crowd into one. If your plant is much lower to the ground, with red-flecked yellow pea-like flowers and clover-like leaves, then it will be bird's foot trefoil (Lotus corniculatus). A final yellow-flowered possibility is the low, fleshy groundsel (Senecio vulgaris) whose flowers look perpetually as though they are just about to emerge – a bud waiting to burst. It never will – the flower rivals figwort for the disappointment following from bud to flower. Clover-like flowers and clover-like (three-leafed) leaves growing close to the ground or sometimes bubbling and swelling into a mound is the white clover (Trifolium repens). This is a creeping plant and will rarely be found with individual flowers and leaves. A discreet, compact little plant with a flower spike of tiny white flowers to only 10cm high and leaves like lines of diminishing green coins laid out along the stem will be wavy bitter-cress (Cardamine flexuosa). A creeping, clambering plant with as much green sepal as white petal on the flower will be common chickweed (Stellaria media). A much more upright plant will be garlic mustard (Alliaria petiolata) – rub the leaves and release the faint smell to confirm the ID but be warned that this does not confer the taste to food it is used in cooking, unlike wild garlic which is found up in Belvoir Woods and out east at Belton House amongst others. Multiple blue flowers with small, soft, green leaves like the ears of some small creature? Water forget-me-not (Myosotis scorpioides). And no, despite the name, this will be growing on the banks of the Wharf rather than in the canal itself. Two poppy species are flowering here; the opium poppy (Papaver somniferum) has flowers which are an insipid but delicate shade of purple with grey-green foliage. The more familiar common poppy (Papaver rhoeas) can also be seen – these are the archetypal poppy with the deep red leaves and the black centre. The old childhood adage said that where there are nettles to sting, there is dock to relieve. I never found this to be true but there are two species of dock to be seen. The big, bold, cumbersome species is broadleaf dock (Rumex obtusifolius). A smaller species with long, narrow pointed leaves and red veins is the wood dock (Rumex sanguineus). Even amongst the gravel beside the water there are species which find a home. The tiny pearlwort (Sagina procumbens) holds tiny (really tiny) green pearl-like flowers aloft from fine-leaved foliage which ambles and spreads from the base. The whole plant is usually only a few centimetres in any direction. A bigger jumble of fennel-leaves with yellow and white flowers is the pineappleweed (Matricaria discoidea) – again a crush of the leaves and a sniff should reveal the truth of the name. I have left until last the most effusive and the most unimpressive flowers – I will deal with the latter first. The fat hen (Chenopodium album) flower is a mealy, beady insipid-red affair which you would struggle to even notice. The leaves always remind me a little of dinosaur footprints – this is a plant which will generally pass everybody by although it does make good eating! By contrast, the ox-eye daisy (Leucanthemum vulgare) – like the garden variety but blown up to gigantic proportions with crinkle-cut leaves and a big yellow centre is fairly unmistakable. Grantham Canalbiodiversity, canal, Grantham, Harlaxton, Naturescape, princes trust, restoration, species, wharf, wildflowers Juvenile blackbird practising nest building? Video June 4, 2014 Grantham Ecology2 Comments I left a trailcam recording a blackbird nest after the chicks had fledged, hoping they might return to have a second brood. The parent blackbirds have subsequently set up a new nest elsewhere in the garden for a second brood but I have a few clips of this juvenile blackbird apparently practising repairing/building the abandoned nest it was born in – after these clips it wasn't recorded at the nest again for the following week and no further use of the nest has occurred so far. I thought this was rather interesting behaviour – it reminded me of a child playing with a doll's house as though it was practising for when it was grown up! Any thoughts or observations on this behaviour would be welcomed! Uncategorizedblackbird, building, bushnell, garden, hdmax, juvenile, nest, trailcam, trophycam

TCXhub Crypto Exchange Platform To Launch TCXhub, the world's cryptocurrency exchange announce launch dates and private placement memorandum. Online PR News – 16-July-2018 – Memphis, TN – TCXhub, a new U.S.-based cryptocurrency trading platform, has announced the launch date of its shareholder investment opportunity along with the launch of its enhanced website (TCXhub.com). Billing itself as "the world's first crypto market exchange allowing for the trading of any token against any other", TCXhub is striving to be an affordable option and entry point for first-time cryptocurrency traders as well as seasoned enthusiasts. Their whitepaper states that the goal of the exchange is to allow everyone to trade any crypto against any other. No more having to create multiple trade transactions just to get the crypto you really want. This is a much desired feature for a cryptocurrency exchange and will delete a lot of the unnecessary steps while saving crypto traders time and money by reducing the number of transactions required to exchange one non-standard token for another, resulting in less transaction fees. Another unique feature of the TCXhub will be the ability to list any token built on any creation platform to trade on TCXhub. "If we can track it, you can list it!" said Founder and CEO David Reeves. "Our flat $5,000 listing fee allows any developer, or that developer's token community, the ability to list a token on our exchange", added David Reeves. CMO Rob Davis, who went on to say that, "verified non-profit projects will list for free. We will fully vet philanthropic projects and through the exchange offer them the opportunity to gain the needed exposure to help fund their projects." On July 20, 2018, one of the most exciting features of TCXhub is the launch of its private placement memorandum pursuant to Rule 506(c) of Regulation D and Regulation S "Safe Harbor". "This is huge, I have never seen where a crypto exchange has given the public the opportunity to own shares of an exchange and be eligible to receive dividends", said David Reeves, CEO, who on May 31, 2018, made the decision to resigned his previous position as the CEO of a publicly traded company to spend all his time and efforts on bringing this exchange to market. Details of their private placement memorandum will be available on July 20, 2018, at www.tcxhub.com. The TCXhub team is comprised of industry leaders focused on bringing this user friendly cryptocurrency exchange to the mass-market. To learn more about TCXhub, visit us at www.tcxhub.com and on Twitter @TCXhub Disclaimer: This release contains forward-looking statements that are based on the beliefs of TCXhub, its management, and reflects TCXhub's current expectations as contemplated under section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities and Exchange Act of 1934, as amended. When used in this release the words "estimate," "project," "looks," "believe," "anticipate," "intend," "expect," "plan," "predict," "may," "should," "will," "can," the negative of these words, or such other variations thereon, or comparable terminology, are all intended to identify forward looking statements. Such statements reflect the current views of TCXhub with respect to future events based on currently available information and are subject to numerous assumptions, risks and uncertainties, including but not limited to, risks and uncertainties pertaining to development of the exchange platform, changes in economic conditions and other risks, uncertainties and factors, which may cause the actual results, performance, or achievement expressed or implied by such forward looking statements to differ materially from the forward looking statements. The information contained in this press release is historical in nature, has not been updated, and is current only to the date shown in this press release. This information may no longer be accurate and therefore you should not rely on the information contained in this press release. To the extent permitted by law, TCXhub, its employees, agents and consultants exclude all liability for any loss or damage arising from the use of, or reliance on, any such information, whether or not caused by any negligent act or omission. This press release may incorporate by reference the Company's reports and other filings. Investors are encouraged to review all filings. There is no assurance TCXhub will have sufficient financing to implement its business plan. Investors should consult their financial advisor before making an investment in a company. Also from TCXhub Lilo Web Development Agency Launches Redesigned Website Book Launch Party Set for "The Merge" by Morgan H ... Halal Restaurant Guide App Crave Halal Launches in Russia Jus ... eProda Releases a Brand New Package of Bunion Corrector and B ... CEO David Reeves TCXhub http://www.tcxhub.com

Investment vehicle of the ruler of Dubai is considering IPO of the business park operator TECOM -Quellen By Becca Roberts Last updated Nov 10, 2021 Prime Minister and Vice President of the United Arab Emirates and Ruler of Dubai Sheikh Mohammed bin Rashid al-Maktoum attends the Global Women's Forum in Dubai, United Arab Emirates on February 16, 2020. REUTERS / Christopher Pike DUBAI, Nov. 10 (Reuters) – Dubai Holding, the investment vehicle of Dubai's ruler Sheikh Mohammed bin Rashid al-Maktoum, is considering an IPO of business park operator TECOM Group, three sources told Reuters. U.S. investment banks Morgan Stanley (MS.N) and Goldman Sachs (GS.N), as well as Swiss bank UBS (UBSG.S) are on the verge of securing a mandate to sell shares to the public, said the sources, which have no attribution wanted because the matter is not public. The TECOM Group and Dubai Holding did not immediately respond to a request for comment. Morgan Stanley and Goldman Sachs declined to comment. One of the sources said banks are still pitching and may still join the consortium of consultants. "It's going to be a sizeable deal," said a second source who was briefed on the deal, adding that the exact size will be determined after they finalize the assets that will be put into the listed vehicle. The TECOM Group, formerly known as TECOM Investments, which is part of Dubai Holding, claims to have a portfolio of 10 business parks in which around 6,500 companies employ a total of 95,000 people. The Dubai government last week announced plans to list 10 government-backed companies on their stock exchange in an effort to increase activity on the local stock exchange. It also said it plans to set up a 2 billion dirhams ($ 545 million) market maker fund to encourage more private companies to list. A spate of delistings and the absence of major IPOs have put pressure on Dubai's stock market and raised questions about the future of one of the most important stock exchanges in the Gulf, founded two decades ago. Reporting by Hadeel Al Sayegh; Additional coverage from Saeed Azhar; Arrangement by Toby Chopra Sustainable Lab, a Japanese data science start-up for sustainability, joins COP26 Quantum Computing Market Research Report by Technology, by Deployment, by Offering, by End-Use, by Application, by Region – Global Forecast to 2026 DXC Technology supports ContiTech in modernizing business applications Gas leak evacuates Greenport store | Columbia County Antioch Helps Businesses Affected by COVID Pandemic – NBC Bay Area At Little Village's discount mall, everything is business as usual