<< Previous PostNext Post >> Tags: Karisma Hotels & Resorts TORONTO — Transat has a new Groups promotion in partnership with Karisma Hotels & Resorts.Through May 31 group bookings at The Fives Azul Beach Resort Playa del Carmen by Karisma qualify for a ninth passenger free deal.The promotion is valid for travel between May 1, 2018, and Oct. 31, 2019.It’s also in addition to savings of $100 per couple as well as Transat Group Max and wedding group special perks and inclusions.The Fives Azul Beach Resort Playa del Carmen, formerly the Azul Beach Resort the Fives Playa Del Carmen (Karisma announced the name change along back in April) has 571 suites, six pools, nine restaurants, 10 bars and a spa. There’s also a kids’ club (four to 12 years old), a teens club (13 – 17 years old) and baby amenities. Oversized Resort Residence accommodations come with separate living and sleeping areas.Azul Five Pool Posted by Monday, May 14, 2018 Travelweek Group Groups are golden with Transat and Karisma Share
Go back to the e-newsletter >Spa Village Resort Tembok, Bali is a 31-room spa resort that offers tailor-made wellness programmes devoted to healing, rejuvenation, wellness and spirituality.Its latest programme, Return To Yourself: A Yoga & Wellness Retreat, available exclusively on the first Monday of every month, is crafted by a woman who has been travelling alone for years to provide solo female travellers or small groups with a safe and personalised experience in a nurturing environment.The recommended 4-day/3-night itinerary, with an option to extend should guests wish to immerse deeper into the experience, combines regular and speciality yoga classes, guided meditation sessions, spa treatments, excursions and activities to discover Bali, its people, culture, food and natural wonders while meeting new like-minded friends in an environment that supports one’s overall wellbeing.Facilitated by Savitri Talahatu, Wellness Director at Spa Village Resort Tembok, Bali, the Return to Yourself retreat invites guests to experience a slower pace of life in a Balinese village. The retreat programme flow includes Hatha Yoga and speciality Kundalini Yoga sessions, guided meditations, a cycling and picnic excursion to Les Waterfall, wellness playshops, a purification ceremony at Ponjok Batu Temple, indulgent spa treatments, organic and wholefood cuisine, and other crafted experiences.Go back to the e-newsletter >
“The Impact of High and Growing Government Debt on Economic Growth – An Empirical Investigation for the Euro Area,” by Cristina Checherita and Philipp Rother, European Central Bank, Working Paper Series 1237, August 2010.These papers reflect serious research by world-class economists from the US, Europe and Sweden – and they all confirm the detrimental consequences of extreme governmental indebtedness.Misery on the Rise AgainIn the past year, Okun’s impartial arbiter averaged 10.5%, the highest on record for the third year of an officially recognized economic recovery and almost double the average of the 1950s. The latest readings have occurred despite US gross public debt in excess of 103% of GDP and with the Federal Reserve’s unprecedentedly large balance sheet that approaches nearly $3 trillion.Other measures of well-being confirm the Misery Index. The Poverty Index in 2011 appears to have reached 15.7%, the highest reading in five decades. Not surprisingly, two unenviable records have been set: 46 million, or 14.6% of the population, are now in the food stamp program, up from 7.9% in 1970 and a record-high 41% pay zero national income tax.In the eleven quarters of this expansion, the growth of real per-capita GDP was the lowest for all of the comparable post-WWII business cycle expansions. Real per-capita disposable personal income has risen by a scant 0.1% annual rate, remarkably weak when compared with the 2.9% post-war average. It is often said that economic conditions would have been much worse if the government had not run massive budget deficits and the Fed had not implemented extraordinary policies. This whole premise is wrong.In all likelihood the governmental measures made conditions worse, and the poor results reflect the counterproductive nature of fiscal and monetary policies. None of these numerous actions produced anything more than transitory improvement in economic conditions, followed by a quick retreat to a faltering pattern while leaving the economy saddled with even greater indebtedness. The diminutive gain in this expansion is clearly consistent with the view that government actions have hurt, rather than helped, economic performance. Sadly, many of those who the government programs were supposedly designed to help the most have suffered the worst.The Way OutThe original theoretical argument in favor of deficit spending originated in J.M. Keynes’ The General Theory of Employment, Interest and Money (1936). A search of Keynes’ work reveals no recognition of the “bang point,” or the condition where a government engages in deficit spending for such a prolonged period of time that a massive buildup of debt leads to denial of additional credit to the government because of fear that the existing debt will not be repaid. Nor did Keynes address the situation where a large number of countries are all simultaneously getting deeper and deeper in debt and there are gradations of debt among these countries – serious shortfalls in the basic Keynesian theory.Keynes, as opposed to some of his interpreters and predecessors, may have implicitly recognized that a bang point could occur, because he did not recommend constant budget deficits. Instead, he advocated cyclical deficits, counterbalanced by cyclical budget surpluses. Under such a system, government debt in bad times would be retired in good times. However, Keynes’ original proposition was bastardized in support of perpetual deficits, something Keynes himself never advocated.Milton Friedman, whom many consider to have been the polar opposite of Keynes, also never addressed the concept of a bang point, but he may also have understood implicitly that such a situation could occur. The reason is that Friedman advocated balanced budgets, which if followed or required constitutionally as Friedman argued, would prevent a buildup of debt. This view was largely rejected as being inhumane since in a recession, government policy would not be responsive to unemployment and other miseries of such a condition. What should have been discussed is whether some short-term misery is a better option than putting the entire country and economic system in jeopardy, as numerous examples in Europe currently illustrate.The most sensible recognition of budget policy came not from Keynes nor Friedman, but from David Hume, one of the greatest minds of mankind, whom Adam Smith called the greatest intellect that he ever met. In his 1752 paper “Of Public Finance,” Hume advocated running budget surpluses in good times so that they could be used in time of war or other emergencies. Such a recommendation would, of course, prevent policies that would send countries barreling toward the bang point. Countries would have to live inside their means most of the time, but in emergency situations would have the resources to respond.In the context of today’s world, this approach would be viewed as unacceptable because it would limit the ability of politicians to continue their excessive spending, thereby saddling future generations with obligations and promises that cannot be honored. But isn’t Hume’s recommendation exactly what we taught our children in preparing them to manage their own personal finances?Lacy Hunt is the executive vice-president of Hoisington Investment Management, a firm with over $5.8 billion under management, and one of the nation’s top-performing bond managers. Lacy’s work has been published in Barron’s, The Wall Street Journal, The New York Times, the Journal of Finance, the Financial Analysts Journal and the Journal of Portfolio Management. Previously he was the chief economist for the HSBC Group, one of the world’s largest banks, and the senior economist for the Dallas Fed.At the Casey Research/Sprott Summit, he will be making a comprehensive presentation on the policy options the government has left to it, the consequences of those options, and how investors can position themselves. He will also be participating in an on-stage exchange of views on the Fed with G. Edward Griffin, the author of the best-selling Creature from Jekyll Island and long-term Fed critic.One of the really great things about these Summits is that most of the faculty, including Lacy, attend the entire event, giving you a rare opportunity to meet them in person and get your specific questions answered.Friday FunnyI have seen a number of iterations of this particular “funny,” but this one goes a couple of steps further in explaining the dynamics, so I wanted to include it here.Suppose that every day, ten men go out for a beer and the bill for all ten comes to $100.If they paid their bill the way we pay our taxes, it would go something like this:The first four men (the poorest) would pay nothing.The fifth would pay $1.00The sixth would pay $3.00The seventh would pay $7.00The eighth would pay $12.00The ninth would pay $18.00The tenth man (the richest) would pay $59.00So that’s what they decided to do. The men drank in the bar every day and seemed quite happy with the arrangement, until one day the owner threw them a curve.“Since you are all such good customers,” he said, “I’m going to reduce the cost of your daily beer by $20.00.”Drinks for the ten men now cost just $80.00.The group still wanted to pay their bill the way we pay our taxes, so the first four men were unaffected. They would still drink for free. But what about the other six men – the paying customers? How could they divide the $20 windfall so that everyone would get their “fair share?”They realized that $20.00 divided by six is $3.33. But if they subtracted that from everybody’s share, then the fifth man and the sixth man would each end up being paid to drink his beer. So, the bar owner suggested that it would be fair to reduce each man’s bill by roughly the same amount, and he proceeded to work out the amounts each should pay.And so:The fifth man, like the first four, now paid nothing (100% savings).The sixth now paid $2 instead of $3 (33% savings).The seventh now paid $5 instead of $7 (28% savings).The eighth now paid $9 instead of 12 (25% savings).The ninth now paid $14 instead of $18 (22% savings).The tenth now paid $49 instead of $59 (16% savings).Each of the six was better off than before! And the first four continued to drink for free. But once outside the restaurant, the men began to compare their savings.“I only got a dollar out of the $20” declared the sixth man. He pointed to the tenth man, “But he got $10!”“Yeah, that’s right,” shouted the seventh man. “Why should he get $10 back when I got only two? The wealthy get all the breaks!”“Wait a minute,” yelled the first four men in unison. “We didn’t I get anything at all. The system exploits the poor!”The nine men surrounded the tenth and beat him up.The next night the tenth man didn’t show up for drinks, so the nine sat down and had beers without him. But when it came time to pay the bill, they discovered something important. They didn’t have enough money between all of them for even half of the bill!And that, boys and girls, journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up anymore. In fact, they might start drinking overseas where the atmosphere is somewhat friendlier.For those who understand, no explanation is needed.For those who do not understand, no explanation is possible.Casey Report Editors in the NewsIn the way of weekend reading/watching, following are links to some media coverage senior Casey Report editors Bud Conrad and Doug Casey received this week.The first is an interview with Bud Conrad by the always competent Jim Puplava of the Financial Sense Newshour. In it, Bud discusses his analysis of how the new abundance of natural gas is a game changer for the US. He lays out how the new technology has provided the US with a huge new source of energy that is growing in production and use. Here’s a link to the interview.Better still, you can get the whole story with the details in charts and graphs showing a new method for predicting the price of natural gas, and Bud’s investment prediction, by signing up for a no-risk trial to The Casey Report.Doug Casey ripping things up at the Agora Financial Conference. My dear business partner of some years is many things, but a shrinking violet is not one of them. Regular correspondent Brett of the Contrary Investing Report is in the audience at the Agora Financial Conference now going on in Vancouver, and filed the following recap of Doug’s remarks. Here’s the link.Weekend ReadsMuch of these fall into the category of yet more examples of central planning and the consequences that inevitably follow. Some are quite eye-opening, starting with…Fire Ice – We have all seen the news about the deadly wildfires now sweeping the western United States. Would you believe that there is a proven technology that could have snuffed those fires out long ago? That could snuff them out right away? Yet the company that possesses the technology – which other states have used very successfully – remains sidelined. Perhaps, as one observer put it, by whichever politically well-connected company now has the contract to fight the fires. Here’s the link to the eye-opening story of Fire Ice.Bloomberg on Cops Going on Strike – You probably heard that Mayor Bloomberg of NYC proposed that the nation’s police go on strike until gun control laws are enacted. If not, here’s the story – and a fact-based response to his contention that police are increasingly at risk from being shot by members of the public. The truth, however, is just the opposite – with police shootings, such as set off the Anaheim riot, on the increase. Here’s the story from the always excellent Reason.com.Also from Reason, a Mind-Numbing Story About the IRS – Imagine a family being asked to pay millions in taxes for a piece of worthless art. Worthless not because it’s not fine art (though not to my taste), but because the government’s own rules make it illegal to sell. Here’s the story.Airports and Border Crossings in Canada Wired with Listening Equipment – from Our Friends at the International Man. One of the participants in the forum at InternationalMan.com tipped us off to this story, that the Canadians are wiring their airports and border crossings so that they can listen in and record your conversations as you wait to go through. What has happened to the world? Oh, that’s right, I remember – the central planners, in this case those charged with protecting our “security,” have been at it again. Next time you are in a Canadian airport, any airport, remember, mum’s the word.And Finally…Ending on a positive note, the following just came across the wires. Though the story comes from Cuba, it points to a better, freer future for us all.That’s because while a centrally planned, command economy can last a long time, it can’t last forever. And when the house of (poorly arranged) cards comes crashing down, the free market will reemerge.Here’s the headline of the story, and a link to read it.Cuba to end Soviet-style economy and will implement market-friendly policiesHere’s the linkAnd with that, I will sign off for the week by thanking you for reading and for being a Casey Research subscriber.Remember, the early-bird pricing for our upcoming Summit ends July 31 – don’t miss it.See you there!David GallandManaging DirectorCasey Research “Government Size and Growth: A Survey and Interpretation of the Evidence,” by Andreas Bergh and Magnus Henrekson, IFN Working Paper No. 858, April 2011; Dear Reader,Before I begin today’s musings, I would like to give a musical nod to Bush, a band that seems to me to be largely overlooked. If you are unfamiliar with them (and don’t mind some fairly hard rock), here are a few selections to keep you company this fine day… Glycerin… Everything’s Zen (live)… Comedown.And so, with feet and fingers tapping madly, we move on…What (Almost) Everyone Fails to Understand About Our EconomyI want to start today’s missive with a couple of unusual charts. Unusual because they contain no reference points. Here’s the first.And here’s the second.We’ll return to those charts momentarily. First, however, a confession.As much as I read, and despite interacting with very smart people on a daily basis, until just recently I have missed something about our economy that, on reflection, should have been as obvious as the computer screen I spend far too many hours staring at.Allow me to emphasize the point in somewhat stronger terms.That I could have overlooked this particular aspect of the US economy and the overarching consequences that follow from it for all these years should, if I were a lawyer, cause me to be disbarred. If I were a doctor, the medical practice board would be entirely within their rights to revoke my license. If I were a politician, my benefactors would be entirely justified in cutting off my bribes donations. If I were a… well, you get the idea.Interestingly, as smack-up-the-side-of-the-head obvious as this feature of the economy is, and has been for years, virtually everyone else has failed to spot it as well.So, what is this mystery?Succinctly, it is that, like Europe (where, during my recent trip there, the spark of awareness was lit), the economy of the United States is, and has been for decades, increasingly under the control of central planners at the expense of the free market.As proof of that contention, we return to the two charts above. Here, again, is the first, but with the contextual reference points in place.(Click on image to enlarge)As you can see, the chart tracks the purchasing power of the US dollar since 1914, the year that the government, through its stooges at the Fed, took command of monetary policy. Laughably, the stated mission of these central planners was to preserve the value of the dollar. Predictably, exactly the opposite resulted.And here’s the second chart, also with the reference points in place.(Click on image to enlarge)As you can so clearly see, after severing the last connection with the gold standard in 1971, after which point the central planners took command of fiscal policy, we have seen an exponential growth in government debt.(Of course, the numbers on the national debt are grossly understated as it doesn’t account for the tens of trillions of dollars of unfunded and unpayable obligations tied to Social Security, Medicare and so forth.)Now, I could go on and on, finding dozens of examples of the shift from a free market to a command economy, but in the interest of time will stop there.The point, which I hope is now clear to all, is that the economic model that allowed the United States to rise out of abject poverty at its inception to become the most powerful economy the world has ever seen has been tossed aside in favor of a model that has proven time and again to be fundamentally flawed and always doomed to fail.That the central-planning model, here and around the world, has been advanced by a fiat global reserve currency is undeniable. However, as the two charts clearly show, the consequences of having central planners controlling monetary and fiscal policy have created a ticking time bomb set to explode.A few additional comments are warranted.The first has to do with who the central planners actually are. And the best way to understand that is by considering who they are not.Who they are not is successful entrepreneurs. Stating what should also be obvious, were they successful entrepreneurs, they would be otherwise engaged in creating jobs and building wealth for themselves and their co-workers.Instead, the central planners almost always hail from the halls of academia, their stock and trade consisting entirely of a college degree and a façade of really knowing what they talk about. As a friend likes to say, “The biggest problems in this world are not caused by a lack of knowledge, but by people who pretend to know when they don’t.”Over the years I have met and even gotten to know people who have gravitated toward jobs involved with setting government policies. And to a person, they have never held a real job outside of academia, or if they did, they failed at it. Yet they are unhesitant in telling everyone who will listen in tones most professorial how the world should work, and why enlightened government policies – not the free market – are the only answer.These people have taken over our country, and in fact, the world. The current mess we are in should not be a surprise to anyone. All anyone has to do is look at the history of the Soviet Union, or communist China, pre-economic liberalization, to see how the story of command economies ends. How it always ends.So, where do things go from here?Earlier today I dropped an email to our editors, which I will quote from here as it deals with what I see as the fate of the global economy over the next six months or so.“It’s all about the debt.“The sovereigns owe a lot of money that they can’t repay. As they try to roll over their existing debts and have to borrow more, the lenders – if any can be found – will want higher and eventually unaffordable interest rates. When the lenders dry up, the only solution will be for the central bankers to monetize, but the world will be watching closely, so this will likely trigger a death spiral in the fiat currencies.“There are intractable problems on a fundamental, systemic basis that cannot be resolved in an orderly fashion. The day is coming when the lending locks up again, after which point everything starts to fall apart.“So, no, I don’t think it’s a muddle by outcome, but a systemic crash… hopefully big enough to cause a rethink about the entire current setup with funny money and central economic planning.“But that would take a very big crash.”Now, I know that a lot of dear subscribers, having accepted our arguments for including tangible assets as a core portfolio holding for many years now, have struggled during the latest retracement and consolidation period in the precious metals and associated stocks.But if you step back and look at the big picture as it is constantly revealed in the headlines and regular releases of poor economic data, I think the conclusions we came to back before the crisis hit, that the Fed (and all the central bankers) are stuck between a rock and a hard place, remain the correct conclusions.There is no simple or easy way out of this situation as the central planners are forced into a haphazard and highly destructive retreat. And the consequences won’t just be economic or political… the mini-riots in Anaheim this past week are just a straw in the wind.So, how does one cope in a command economy headed, like all its predecessors, into the trash bin of history – in this case, on a global scale?First and foremost, diversify. Everything contains risk, so spreading it around to mitigate the chances of getting hit especially hard from any one investment sector makes a lot of sense.Personally, I use a spread sheet program to analyze my holdings from a number of different angles, including percentage dedicated to natural resources; percentage in non-US-dollar-denominated assets; percentage outside of the United States; percentage with any one financial institution; percentage in dividend earning stocks; percentage liquid vs. illiquid; percentage in common equities; percentage in cash and so forth.The idea is that if any one area becomes overweight or underweight, I look to make adjustments. In addition, I set certain goals – for example, the percentage of our net worth we want outside of the United States – and manage to that number.In short, pay close attention to where your assets are allocated and don’t go overboard in any one sector.Secondly, skew toward things tangible. Over the next few years, we are going to see massive dislocations as the fiat currency system cracks apart, starting with the euro and then, after a final rush into the “safe harbor” of the US dollar, spreading to the dollar itself.As much as possible, own things with a tangible value. Precious metals are fine, but don’t go overboard as that makes you susceptible to a change in government regulations that could literally be invoked overnight. Consider property, and even income-producing property (in low-tax jurisdictions). But, again, don’t go overboard because real estate is always a fixed target, which means the government can tax it or even confiscate it, and you won’t be able to do much about it. Owning currencies of countries with large resources is a proxy for owning something tangible, though an imperfect proxy.Be careful. It will only get more challenging to build net worth going forward. Whether it be higher taxes on capital gains (a certainty at some point) or the cancellation of tax breaks, or more demands on business owners from legislation such as Obamacare, generating – and more to the point, keeping – net worth will not be easy. Therefore, rule number one has to be to avoid risking big chunks of money.Sit tight, and be right. Per my comments above, I remain convinced that our Casey Research base case – of a global economic crisis that will get much worse before it gets better, and that the central planners have few options left to them other than monetary debasement – is correct.For those of you who already have allocations to the tangibles, and to the gold stocks (which are massively undervalued at this point), sit tight and you will come out right. If you are just now rethinking how to reposition your portfolio to get through what’s next, then do yourself a favor and take a low-cost, money-back-guaranteed subscription to our BIG GOLD service and start adding positions on the inevitable pullbacks.These are, of course, only some of the strategies you can use. The most comprehensive analysis of the situation, and how to prepare for what’s next, will be at the upcoming three-day intensive Summit we are co-hosting with Sprott, Inc., Navigating the Politicized Economy, in beautiful Carlsbad, California, September 7 – 9.Speaking of the Summit, one of the smartest people you’ll rub elbows with at the event will again be Dr. Lacy Hunt, the former economist to the Dallas Fed (but a Fed fan no longer) and the nation’s top-performing bond fund manager. Earlier this week, Lacy shot me over the following article that is well worth your attention.Unintended Consequences of Well-Motivated PoliciesBy Dr. Lacy HuntIn the early 1960s, when JFK was in the White House and William McChesney Martin was Fed chairman, Keynesian economics was in full bloom. One of its major tenets was the Phillips Curve, which posits a stable inverse relationship between the rate of inflation and the unemployment rate. Yale professor James Tobin (1918-2002) and others argued that the social outcome could be improved by a more activist monetary and fiscal policy. Specifically, they contended that the unemployment rate could be lowered while only resulting in slightly higher inflation.The argument posited the notion that economic-policy makers had sufficient knowledge to intervene or fine-tune the economy with tools like those of a surgeon. Presidents Johnson, Nixon and Carter (two Democrats and one Republican) followed this policy. At one point, President Nixon made the famous statement that “We are all Keynesians now.” Moreover, as the White House led, the Fed chairmen of the era – Martin, Burns and Miller – generally acquiesced.To judge the effectiveness of this policy, an objective standard is needed. Arthur M. Okun (1928-80), Yale colleague of Tobin, developed such a standard, which he called the Misery Index – the sum of the inflation and unemployment rates.Under the activist, Phillips Curve-based policy, some reduction in unemployment was temporarily achieved. However, inflation accelerated much more than was anticipated, and the net result was higher unemployment and faster inflation, an outcome not at all contemplated by the Phillips Curve. The Misery Index surged from an average of 6.7% in the 1950s, to 7.3% in the 1960s, to 13.6% in the 1970s, with peak rates above 20% in the early 1980s.Many US households suffered. Wages of lower-paying positions failed to keep up with inflation, and when higher unemployment resulted, many of those people lost their jobs. Those on the high end had far more resources that enabled them to protect their investments and earned income, so the income/wealth divide worsened. A half-century later, the United States has never regained the prosperity of the 1950s.Working independently in the late 1960s, economists Milton Friedman and Edmund Phelps, who would both eventually be awarded the Nobel Prize in economics, had determined that while the Phillips Curve was observable over the short run, this was not the case over the long run. While the economics profession debated the Friedman/Phelps research, the US had to learn their findings the hard way.Growing Evidence of the Long-term Depressants from Activist PoliciesIn addition to the compelling evidence that more active monetary and fiscal policy involvement did not produce beneficial results over the short run, three recent academic studies, though they differ in purpose and scope, all reach the conclusion that extremely high levels of governmental indebtedness diminish economic growth. In other words, deficit spending should not be called “stimulus” as is the overwhelming tendency by the media and many economic writers.Whereas government spending may have been linked to the concept of economic stimulus in distant periods, these studies demonstrate that such an assertion is unwarranted, and blatantly wrong in present circumstances. While officials argue that governmental action is required for political reasons and public anxiety, governments would be better off to admit that traditional tools only serve to compound existing problems.These three highly compelling studies are:“Debt Overhangs: Past and Present,” by Carmen M. Reinhart, Vincent R. Reinhart and Kenneth S. Rogoff, National Bureau of Economic Research, Working Paper 18015, April 2012;
In This Issue. * Antipodeans see profit taking. * Pound sterling is star performer overnight! * China prints strong data! * Silver to get boost from India? And Now. Today’s A Pfennig For Your Thoughts. Retail Sales Disappoints! Good Day! . And a Happy Friday to one and all! This will be short-n-sweet today, I feel like dookie, and really just want to go back to sleep! But, even this out of whack feeling won’t stop me from getting the Pfennig out! Rain, sleet, snow, feeling like dookie, or anything else, will keep the Pfennig from going out! Just typing that last sentence, makes me feel better, let’s hope that trend continues! The trend that has continued in the currencies is the lack of volume in trades. This has gone on way too long, and really has me concerned. The Currencies trading is usually around a $5 Trillion per day size business.. I doubt we’ve come close to that $5 Trillion in a month of Sundays. And when you have this lack of volume, you get wild swings. The wild swing that happened last night came from the Antipodean currencies of Australia and New Zealand. These two had just spent the previous night and day in the spotlight, but just like that, the euphoria was thrown to the side of the road, and profit taking set in. Before you could say, “what, the what?” these two had lost a chunk. and a wild swing from day to day occurred. One thing that you can’t rule out here is Central Bank intervention. Remember, these Central Banks, have mentioned over and over again that the currencies are at historical highs, against the backdrop of weak commodity prices. In other words, they think the currencies should be weaker, and after a day of Huge gains in these two, what better day to intervene and sell the currencies by the Central Banks? I have no idea if this happened, and we wouldn’t know for a few weeks, I’m just saying. Remember a couple of days ago, when the euro had gotten whacked , I said, that the euro just needed a couple of days to allow the markets forget the pain. Well, that appears to be the scenario for the euro, as yesterday the euro began to creep higher, and overnight it has added to the gains, the moves are small, in that the single unit is still below 1.36, but rising nonetheless! There’s really been no data to speak of here, so the euro is trading on its own, and doing much better than earlier in the week! The star performer overnight and through this morning’s session is the British pound sterling. I had read yesterday that Bank of England (BOE) Gov. Carney was going to be a key speaker at the annual Mansion House jamboree, and Carney decided to use this venue to tell everyone that the BOE may raise interest rates from a record low earlier than investors expected. Now, this is where I want to get on my soapbox and yell at the top of my voice to the markets, that we’ve seen this all before! Remember? Carney kept promising a rate hike in Canada, and after a couple of years, where were Canadian rates? That’s right, unchanged. Carney had a bag full of promises then, and I would have to think that this horse hasn’t changed colors. Of course if he does deliver a rate hike much earlier, then I will admit that he is a horse of a different color! But, I think the pound sterling will suffer much like the Canadian dollar/ loonie did after a run up in price, only to see the selling when the markets grew tired of waiting for Carney’s rate hike. But that doesn’t mean you can’t take advantage of a rising sterling as it’s taking place. It just means you need to be nimble when you begin to see the pieces of sterling’s armor begin to fall to the ground. Well, the World Cup kicked off (pun intended) yesterday with the host country Brazil beating Croatia. And the tourists and soccer fans are pouring into Brazil, and exchanging their base currencies for Brazilian reals. The real has really responded favorably lately, and its strong move has me worried. I know that some of you weren’t around the last time we saw the real go on a tear ( a few years ago it was the best performing currency with a 34% gain one year!) the Brazilian Gov’t and Central Bank teamed up to bring the real to its knees, and beg forgiveness for being so strong. This time, the gang of two, as I like to call them, are singing a different tune, and besides real isn’t nearly as strong as it was before. But in the past year, real has moved from 2.4550 to 2.2315, where it trades today.. (remember, real is a European priced currency, so the lower the price, the more value it returns in dollars) Just remember, that reals can be very volatile, which is why I always say that it should only be bought in the speculative portion of your investment portfolio. Good investors know that by doing that, they’ll not worry about the volatile moves. The South African Credit Rating was downgraded by Fitch overnight from stable to negative. YIKES! Maybe Fitch didn’t get the memo that the strike in S. Africa mining had ended! Needless to say that this downgrade news was not taken kindly by the S. African rand.. The rand has really taken it on the chin for the last year, and hasn’t been able to find a bid anywhere. I think the S. African Central Bank will have to hike rates to get the bleeding to stop here in the rand. But I doubt that will happen any time soon, so batten down the hatches rand holders. China printed some good data overnight. Chinese Industrial Output rose at a 8.8% clip in May from a year earlier, up from the 8.7% clip in April. And Retail Sales for May increased 12.5%!!!!! Now that’s a Retail Sales figure a country can be proud of! (we’ll talk about the U.S. Retail Sales report in a minute) Recall that a week or so ago, I told you that I thought the Chinese Gov’t was going to step up the stimulus for the economy. Well, these reports are either telling us that the Chinese Gov’t did step up the stimulus and it’s already working, or that the economy didn’t need any more stimulus other than the “mini-stimulus” that was already in the works! I prefer to think that it was the latter of the two! In India overnight, the rupee lost some more ground, as it still attempts to remove the knife from its back, but there were a couple of new items that should help the rupee going forward. First, India’s state-run solar company announced plans to auction contracts to build 100 megawatts of solar-thermal capacity. And the second new item was that India imported Gold at the highest capacity in 10 months! Now, while these news items will actually help Silver and Gold more than they will help the rupee, I think the good overall feeling in India will continue to grow, and that will play well in the sandbox with the rupee. Speaking of the solar story being good for Silver. I just put the finishing touches on the July issue of the Review & Focus, and in it I go through the math of how Silver plays out in the production of megawatts solar panels. so, be sure to look for the R&F at a newsstand near you! No. wait Chuck! The R&F is only available to clients of EverBank World Markets! Oh well, you have a couple of weeks to sign up so you can receive this excellent letter each month! HA! And speaking of Gold. It added another $9 to its price yesterday. but the two darlings of the precious metals, Platinum and Palladium got whacked yesterday when the news of an apparent end to the mining strikes in S. Africa hit the streets. I think this was good for these two, given that they had really rallied recently and left a lot of investors behind. But now these investors can step into these metals at much cheaper prices and feel good about it! The fundamentals for all the metals haven’t changed, folks. The U.S. Data Cupboard will print the May PPI (wholesale inflation) reports this morning, but don’t expect PPI to pop out and surprise us. Year on year will probably print at a +2.4% clip, which doesn’t mean a hill of beans to me. But what did mean a hill of beans to me was yesterday’s Retail Sales print from the Data Cupboard. May Retail Sales disappointed everyone by only gaining .3% instead of .6% that was expected. Car Sales, which I had already told you would be strong, were the bulk of this report, which means consumer spending on other stuff, just wasn’t there. The markets didn’t look at it like that, instead they chose to look at how April’s anemic .1% gain was revised upward to .5%… That’s quite a large “revision” don’t you think? I find this revision to be suspect! In my mind, how can grownups print that revision with a clear conscience? For What It’s Worth. My good friend, Dennis Miller, who writes an excellent letter for retirees or people getting close to retiring, like me!, sent me a note yesterday, and said that some data he saw showed in the last 12 months Student Loans had increased $124 Billion, and the total for Student Loans was now greater than the total of Credit Card loans. Hmmm, I thought, for a minute, and my mind immediately thought about how Student Loans last a very long time, while Credit Card loans might get paid off at any time. So, that tells me that Student Loans are a bigger deal.. You may recall me venting earlier in the week about the President announcing some sort of bail out on Student Loans. So, now I’m fuming. Then Alex Daley, the economist from the Casey Research group chimed in, and said that he had been screaming about this for a while. Let’s listen to what Alex had to say, “There is a bailout coming, as Student Loans are up 400% in 5 years, and non-payment rates have climbed 50% already, even with defaulting being nearly impossible legally.” Now, I’m on fire! Smoke is coming out of my ears! I need to get some cold water thrown on me! Houston, we have a problem here. and it’s not a failure to communicate! It’s a problem surrounding not making people be responsible or accountable for what they sign up for! It’s the storyline in this country that keeps getting more and more blown out of proportion, and will continue on that path, until it doesn’t. And then, people will wonder.. I wonder how this ever started in the first place.. Chuck again. Well, I never left actually! The FWIW section today was brought to you by ME! OK, stop acting silly, Chuck, this stuff is important! That’s right, I’m sorry. But I just can’t fight this any longer. I can rant and pound my fist till I turn blue, but it won’t do any good. There’s just no “accountability” any longer. It’s always someone else’s fault, and if you get in over your head, the Gov’t will bail you out. It’s all about the Gov’t’s need to make you more dependent on them, folks. when will people wake up and smell the coffee! To recap. The currencies and metals are mixed today. With pound sterling coming out on top as the best performer overnight, on some Carney promises. The Antipodean currencies saw profit taking or Central Bank intervention overnight. And China, and India both printed some good data or had good stories that should be good for the currencies going forward, and good for Silver and Gold. U.S. Retail Sales for May were disappointing, but April was “revised” upward, very curiously I must say. Currencies today 6/13/14. American Style: A$ .9380, kiwi .8650, C$ .9210, euro 1.3575, sterling 1.6960, Swiss $1.1120, . European Style: rand 10.7740, krone 6.0080, SEK 6.6715, forint 226.85, zloty 3.0495, koruna 20.2640, RUB 34.47, yen 102.05, sing 1.2510, HKD 7.7515, INR 59.75, China 6.1503, pesos 13.02, BRL 2.2315, Dollar Index 80.63, Oil $107.05 (look at this soar, on the Iraq problems) , 10-year 2.60%, Silver $19.51, Platinum $1,443.75, Palladium $818.85, and Gold.. $1,272.90 That’s it for today. Well, my calendar popped up to tell me to not to forget that tomorrow is the 15 year anniversary for Jen Mclean at EverBank! I could go on about how long Jen and I have worked together, but then that would be revealing her age! Let’s just say, it’s been a few years, eh? Thanks for staying with me all these years, Jen. Well, the sun is coming up! Yes, the sun! We are supposed to have two days of sunshine here in St. Louis, with rain returning on Sunday. Sunday is Father’s Day. I miss my dad. But doesn’t everyone that has lost their dad? My dad was a tough guy, the Union steward for Teamsters 500, fought in WWII, but knew when someone needed love instead of a kick in the butt. He taught me so much, and I know I never told him I loved him near enough. So.. if your dad is still around, make sure to give him a hug, yes, guys even you.. and tell him you love him. And just like on Mother’s Day weekend, I have a short poem for Dad. So, let’s go make this a Fantastico Friday, even though I’m going back to bed! Over the years As we grow old, We remember our father So brave and bold. In the garden, Leaning on the plow, He would listen to me; I see him now. He would give advice And understand; He was always there To lend a hand. God made fathers Strong and firm, For he knew our lives Would have great concerns. So he gave us fathers To teach us to pray, And guide our lives, And show us the way. So on his day Let’s take the time To say “Thanks, dad. I’m glad you’re mine.” Chuck Butler President EverBank World Markets
Disabled campaigners and their allies have called on the transport secretary to restore “vital” government funding for projects to improve access to rail stations across England, Wales and Scotland.In a letter signed by more than 50 organisations, Transport for All (TfA) – which campaigns for an accessible transport system – calls on Chris Grayling to restore tens of millions of pounds of funding for the Access for All scheme that has been deferred by the government.The letter says that deferring half of all planned Access for All projects means that the “already slow progress on rail access has all but ground to a halt”.The decision by the chair of Network Rail – later rubber-stamped by Grayling – to cut Access for All funding for 2014-19 from £102 million to £55 million, with the rest carried over to 2019-24, was first revealed by Disability News Service last year.The letter has been sent as Grayling is due today (Thursday) to announce future levels of Network Rail funding, which TfA says provides an “opportunity to get things back on track”.But the department’s Accessibility Action Plan, published in August, pledges only that the government will deliver funding already announced – including the deferred funding – in full, and that it will “continue to seek to extend the Access for All programme further in the future”.The letter calls on Grayling to instead “invest in the potential of Deaf and disabled people” and reverse the decision to defer the Access for All funding, as well as commit to further Access for All funding after 2020 through “an ambitious long-term plan for making our railways fully accessible”.It tells Grayling that it is an “injustice” for Deaf, disabled and older people to be “locked out of our rail network”, and that accessible stations also benefit parents with buggies, dog-owners and people with luggage.The letter says government figures show that any money spent improving rail accessibility pays back nearly three times that amount in economic benefits, while an accessible station can mean “the difference between work and unemployment, a lifeline to friends and family or isolation”.The Transport for All letter has been signed by disabled people’s organisations including Inclusion London, Disability Sheffield, Ealing Centre for Independent Living, Kingston Centre for Independent Living, People First (Self Advocacy), Regard, Shaping Our Lives, Asian People’s Disability Alliance and Real.They say that nearly 80 per cent of rail stations across the UK do not have full step-free access, while many others do not have the other necessary access features such as tactile paving, audio-visual information and induction loops that enable Deaf and disabled people to use them.A Department for Transport spokeswoman said: “We take the issue of accessibility across all modes of transport very seriously and are continuing to improve station access through the Access for All programme and other major projects.“By 2019 at least 75 per cent of all journeys will be from stations with step-free access.“The Accessibility Action Plan is the next step in a much-needed dialogue with disabled people, carers, transport providers and local authorities to identify new ways to improve travel. “We also secured commitments from the rail industry earlier this year to help make journeys better for disabled people.”
Share1EXPERT ALERTJeff Falk713email@example.comChina may view Hong Kong protests as needing ‘forceful and violent crackdown,’ says Rice U. expertHOUSTON — (July 3, 2019) – What do protests in Hong Kong mean for its special status and the Chinese government? Rice University’s Steven Lewis, an expert on China, is available for interviews to discuss the rising tension.Credit: 123RF.com/Rice UniversityLewis, who is professor in the practice, research fellow at Rice’s Baker Institute for Public Policy and associate director at Rice’s Chao Center for Asian Studies, said the most recent protests in Hong Kong have surprised many with the superficially destructive and yet highly symbolic storming of the legislative chambers and some offices by young protestors in particular, and Beijing openly calling for accountability.“In previous years, the government has waited until smaller student protests have died down to declare them riots and then charged select youth as rioters,” Lewis said. “This time, the youth who defaced the legislative council chambers felt they had no choice but to resort to destruction in order to force the hand of the Hong Kong government to promise now to not declare the recent large mass protests peaceful. They are gambling that the government will back down and not charge them, or more much larger protests will follow.”Youth leaders in particular may feel they have no choice but to lash out, potentially alienating more conservative older members of society who are equally opposed to the new extradition law with the rest of the People’s Republic of China, Lewis said. “Meanwhile, Beijing may see this as an escalation of protest that demands a forceful and violent crackdown,” he said.To schedule an interview with Lewis, contact Jeff Falk, associate director of national media relations at Rice, at firstname.lastname@example.org or 713-348-6775.Rice University’s Baker Institute has a broadcast interview studio with a high-definition television uplink and an ISDN line for radio.-30-Related materials:Steven Lewis biography: www.bakerinstitute.org/experts/steven-w-lewisFollow Rice News and Media Relations on Twitter @RiceUNews.Follow the Baker Institute on Twitter @BakerInstitute.Image for download:www.bakerinstitute.org/media/files/expert/2ce6feb8/steve-lewis.jpgSteven Lewis image courtesy of Rice University’s Baker Institute.This news release can be found online at http://news.rice.edu.Founded in 1993, Rice University’s Baker Institute ranks among the top three university-affiliated think tanks in the world. As a premier nonpartisan think tank, the institute conducts research on domestic and foreign policy issues with the goal of bridging the gap between the theory and practice of public policy. The institute’s strong track record of achievement reflects the work of its endowed fellows, Rice University faculty scholars and staff, coupled with its outreach to the Rice student body through fellow-taught classes — including a public policy course — and student leadership and internship programs. Learn more about the institute at www.bakerinstitute.org or on the institute’s blog, http://blog.bakerinstitute.org. FacebookTwitterPrintEmailAddThis
Each week hear inspiring stories of business owners who have taken the cannabis challenge and are now navigating the exciting but unpredictable Green Rush. –shares Image credit: LPETTET | Getty Images Guest Writer Only a year into legal medical marijuana sales, Maryland is the latest to join the list of states blowing away projections for cannabis sales. In Maryland’s case, it’s actually double what was expected.Cannabis research firm New Frontier Data originally estimated that the first full calendar year of medical marijuana sales in Maryland — which started in December 2017 — would come in around $46 million. However, a spokesperson for the firm recently told the Baltimore Sun that sales for all of 2018 will reach $100 million in December.Additionally, the state reported at the beginning of December that sales had reached $96 million in the first 12 months of sales between December 2017 and November 2018. Between 250 and 350 people have been applying on average every day to get approved by the state for purchasing cannabis products. The state also reported there have been 1.99 million transactions at dispensaries.Related: Oregon Marijuana Sales Soared 29 Percent in 2018. So Why Aren’t More Entrepreneurs Happy? Slow Start, Fast FinishIt’s worth noting that this is just the first year. Both the Sun and other Maryland media outlets reported that dispensary owners had a slow start in the first half of 2018. However, things changed around Labor Day, Marc Spataro, owner of the Chesacana dispensary, told CBS Baltimore.He tied the surge in sales partly to people just becoming aware of the ability to buy marijuana, as well as a need by many to use something other than manufactured pharmaceuticals to handle issues such as pain – a common argument among medical marijuana proponents.“The growth will continue at a rapid rate,” he predicted.Related: US Cannabis Leaders are Carefully Watching the Looming Canadian Wave Exceeding ExpectationsMore than doubling projections is dramatic. But what’s happening in Maryland is typical for states selling both creational and medical marijuana. Looks at these numbers:California sold $445 million in marijuana in the third quarter of 2018 aloneIn the first five days of legal sales in Massachusetts, $2.2 million in cannabis was sold. Dispensaries in the state were making about $200,000 per day.Sales in Oregon has soared 29 percent in 2018, with the potential for becoming a $543 million marketColorado, the first state to have legal recreational marijuana sales, shows what a mature market might look like. The most recent projections from the state have sales in 2018 slightly exceeding the $1.5 billion in marijuana sold in 2017.The numbers are backing up what experts in the industry have said along — the market is massive for marijuana. Look no further than these numbers to understand why more and more political leaders are getting behind marijuana, and the talk of crackdowns and prohibition is burning out.Follow dispensaries.com on Instagram to stay up to date on the latest cannabis news. Opinions expressed by Entrepreneur contributors are their own. December 21, 2018 Growth Matters Add to Queue dispensaries.com Green Entrepreneur Podcast It’s just the latest state to far exceed sales expectations. Next Article Listen Now Easy Search. Quality Finds. Your partner and digital portal for the cannabis community. Maryland Marijuana Sales Double the Forecast 3 min read
Enroll Now for $5 Add to Queue Guest Writer Learn from renowned serial entrepreneur David Meltzer how to find your frequency in order to stand out from your competitors and build a brand that is authentic, lasting and impactful. Russian Hacking Ring Steals More Than a Billion Passwords Fireside Chat | July 25: Three Surprising Ways to Build Your Brand Next Article Hackers –shares Opinions expressed by Entrepreneur contributors are their own. Blink, and there’s another headline about yet another data breach. First, it was Target. Then, in quick succession, Neiman Marcus and Michaels announced data breaches of their own. More recently – just this past Monday, in fact — P.F. Chang’s said that customers’ credit-card information at 33 of its locations had been compromised.Back in January, the U.S. Federal Bureau of Investigation warned retailers to expect more attacks.They weren’t joking. Turns out, the rash of reported attacks represents just a small fraction of the personal data already stolen by hackers.Related: P.F. Chang’s Says Credit-Card Breach Affected 33 RestaurantsBeginning in earnest this April, a Russian crime ring has collected the largest known stockpile of stolen online credentials, making off with 1.2 billion user name and password combinations and more than 500 million email addresses, The New York Times reported.This wide-scale hack job, which was brought to light by the cybersecurity firm Holden Security, targeted over 420,000 websites ranging from big-name companies to smaller websites, the firm wrote in a blog post.“Hackers did not just target U.S. companies, they targeted any website they could get, ranging from Fortune 500 companies to very small websites,” Alex Holden, the founder and chief information security officer of Hold Security, told the Times. “And most of these sites are still vulnerable.” In part for this reason, the firm has declined to identify a list of victims.All of this havoc was can be traced back to less than a dozen men in their 20s living in a small city in south central Russia, the Times reported. For now, it appears these guys are primarily using the stolen data to spam Twitter for other groups, charging a fee for the service.Related: Target, Neiman Marcus Hacks Could Be More Widespread, Experts SayThis, the Times noted, isn’t the best business strategy: “Selling more of the records on the black market would be lucrative.”Because people tend to use the same password for multiple sites, a single password, along with other stolen credentials, can be very valuable. Let’s say a thief gains access to your password for a retail site; he or she can then test it to try and access your bank account. (In other words, if your password for multiple sites – scratch that, any site – is “12345,” please change it now).This, of course, will not be the last time a massive security breach makes headlines. Do yourself a favor, then, and beef up your password security before the next attack is unearthed. Related: Your Password Is 123456? Wow. Seriously? Laura Entis 3 min read August 6, 2014
The world lost one of its brightest minds to a brain hemorrhage recently.Marvin Minsky was 88 when he passed on Sunday night. A World War II veteran, his life’s work was essentially creating and advancing the field of artificial intelligence. The New York Times has eulogized the Turing Award winner, writing that when Minsky was choosing his career path he “ruled out genetics as interesting but not profound, and physics as mildly entertaining, he chose to focus on intelligence itself.”This is a man who, in 1951, built the premiere “randomly wired neural network learning machine.” He also built the first confocal scanning microscope (read: extremely powerful) at Harvard in 1956.Two years later, along with John McCarthy (the man credited with naming “artificial intelligence”), he cofounded and taught at the Massachusetts Institute of Technology’s venerable A.I. lab. The man who wants to resurrect his father as an AI construct via paper records, Ray Kurzweil, was one of his students there too. Hell, director Stanley Kubrick even consulted him during pre-production on 2001: A Space Odyssey to get his take on whether or not computers would be able to speak by the year 2001.Saying he was brilliant would be a vast understatement, and I can’t possibly list all of his accomplishments here. But, that’s what NYT’s exhaustive memorial is for. Godspeed, sir. Timothy J. Seppala January 26, 2016 This story originally appeared on Engadget 2 min read Enroll Now for $5 –shares Learn from renowned serial entrepreneur David Meltzer how to find your frequency in order to stand out from your competitors and build a brand that is authentic, lasting and impactful. Next Article Image credit: Bcjordan | Wikimedia Commons Writer Obituaries Marvin Minsky Fireside Chat | July 25: Three Surprising Ways to Build Your Brand Add to Queue Marvin Minsky, AI Pioneer, Dies at 88
Next Article Fireside Chat | July 25: Three Surprising Ways to Build Your Brand Google Flights Will Alert You About Expected Price Changes This story originally appeared on PCMag Learn from renowned serial entrepreneur David Meltzer how to find your frequency in order to stand out from your competitors and build a brand that is authentic, lasting and impactful. The web giant wants to help eliminate some of the guesswork of trying to get the best deals on travel. Image credit: Shutterstock.com 2 min read Add to Queue October 18, 2016 Angela Moscaritolo Google –shares Reporter We’ve all heard it before: it’s best to book a flight on Tuesday at 3 p.m. ET to get the lowest fare. But is that really true? That’s still up for debate, but now you can eliminate some of the guesswork when trying to get the best deals on travel, thanks to Google.Just in time for holiday travel planning, the web giant on Monday updated Google Flights with a feature that will show you when prices are expected to increase for specific flights and the routes in which you’re interested. The update also promises to make it easier to find good hotel deals and plan your trip on a mobile device. Now, when you select a specific flight, you may get a notification letting you know when the current fare is expected to expire and how much you can save if you book right away. If you’re looking at a certain route, but aren’t set on a specific flight, Google may display a notification bar with tips for finding the best price, including recommendations for alternate airports or dates and expected price changes based on past prices for that route.Google may, for instance, tell you something like “historically, 90 percent of the time the cheapest price on this route increased 7 days before departure by about $52.”You can opt to track a specific flight or route and receive email notifications letting you know when prices are expected to change. In the past, Google would only notify you when prices actually did increase or decrease significantly.Google plans to roll out these new fare expiration and expected price jump notifications over the coming weeks everywhere its Flights tool is available.Meanwhile, Google is also offering a better flight-finding experience on mobile devices with new features to let you track and manage your saved flights on your phone. There’s also a new tab called “Deals” when searching for hotels that will show places offering cheaper-than-normal lodging in your selected destination. Enroll Now for $5
Reviewed by James Ives, M.Psych. (Editor)Oct 10 2018A high-tech startup founded by an Indiana University researcher-entrepreneur has been awarded a federal grant to develop technology that aims to reduce the use of animals in chemical toxicity studies of food, pharmaceuticals, pesticides and other products.Dream Tech LLC has received a one-year STTR Phase I award worth $245,130 from the National Center for Advancing Translational Sciences, or NCATS. Kan Shao, an assistant professor of environmental and occupational health at the IU School of Public Health, founded the company.Related StoriesExpediting HPLC Method Development in Pharmaceutical AnalysisMaking Laboratories More Efficient with the Most Modern LIMS on the MarketLABVOLUTION: A digitized lab environment to be showcased at smartLAB 2019″Dream Tech is developing a method to incorporate existing information to enhance the efficiency and effectiveness of dose-response assessment, which addresses a chemical’s toxicity. This would reduce animal use in traditional toxicity studies,” Shao said. “The project supported by the STTR grant will make this the first system able to integrate useful information. It will significantly advance chemical risk assessment.”Shao said receiving an STTR grant from NCATS, which is part of the National Institutes of Health, is prestigious recognition for Dream Tech.”Applying for STTR funding is a very rigorous process, especially in meeting the high expectations of NCATS experts as they conduct scientific review and council review,” Shao said. “Being awarded one of these ultra-competitive grants reinforces our belief that Dream Tech and its work can help others.”Shao disclosed his innovation to the IU Innovation and Commercialization Office, which protects, markets and licenses intellectual property developed at Indiana University so it can be commercialized by industry. He licensed the innovation and launched Dream Tech to commercialize it. Source:https://news.iu.edu/stories/2018/10/iub/releases/04-dream-tech-receives-sttr-grant.html
Source:http://www.qmul.ac.uk/ Reviewed by James Ives, M.Psych. (Editor)Apr 30 2019A breast cancer test has been found that helps doctors make treatment decisions for some breast cancer patients, following research carried out at Queen Mary University of London and funded by Cancer Research UK.The test was successful in predicting whether chemotherapy would be beneficial for patients with the most common type of breast cancer (estrogen-receptor positive, HER2-negative), thereby helping to direct patients with a high-risk of metastasis to chemotherapy, while allowing lower-risk patients to opt out of the treatment and its potential side effects.Approximately 85 per cent of breast cancer patients are now diagnosed as estrogen receptor positive, which means that the cancer grows in response to the hormone estrogen. Doctors treating the majority of these women increasingly use multigene tests to determine each patient’s prognosis and risk of metastasis, and advise on the best suitable treatment.The new study, published in the journal Breast Cancer Research and Treatment and carried out in the UK, Austria and Spain, has found that a multigene test called EndoPredict (Myriad Genetics) is able to predict whether chemotherapy will work for an individual patient.Researchers at Queen Mary University of London, the Austrian Breast and Colorectal Group and the Spanish Foundation Research Group in Breast Cancer performed a combined analysis of three large clinical trials, including a total of 3,746 women, who received treatments including hormone therapy and chemotherapy.The study results showed that patients with a high EndoPredict test result – indicating a high risk of metastasis – who received chemotherapy in addition to hormonal therapy had statistically better 10-year outcomes than those who only received hormonal therapy.The study was therefore able to show that EndoPredict is not only a prognostic test, but for the first time was able to demonstrate that EndoPredict also has predictive abilities with regards to chemotherapy.Traditionally clinical features such as tumor size, grade and nodal involvement are used to determine prognosis and treatment. In cases where it is unclear from these clinical features whether a woman is at high enough risk to receive chemotherapy, the EndoPredict test can give additional prognostic and indirectly predictive value in terms of chemotherapy benefit.Multiple guidelines, as well as the National Institute for Health and Care Excellence (NICE) regulations, recommend multigene tests to be used by oncologists around the world to aid in their decision-making process about treatment for women with the most common type of breast cancer – estrogen-receptor positive, HER2-negative.Related StoriesTrends in colonoscopy rates not aligned with increase in early onset colorectal cancerStudy reveals link between inflammatory diet and colorectal cancer riskCancer killing capability of lesser-known immune cells identifiedWith the added predictive benefit of EndoPredict demonstrated by this study, use of this test might become more commonly used to determine whether chemotherapy will effectively treat a patient, bringing enormous benefit to women diagnosed with breast cancer.Lead author Dr Ivana Sestak of Queen Mary University of London commented: “Our new results give clinicians good quality data to inform specific treatment recommendations for women. Our data shows that using the EndoPredict test to assess the risk of metastasis can spare women unnecessary chemotherapy if the test results show that a woman is at low risk of recurrence by the test.”Professor Miguel Martin is the Chairman of GEICAM, the leading academic group in clinical epidemiological and translational breast cancer research in Spain. He commented: “The Spanish group GEICAM is very proud of having contributed to this analysis that can help clinicians select the best adjuvant therapy for their breast cancer patients. In the era of personalized medicine, avoiding chemotherapy when it is of little or no value is a need for the patients”.Dr Sestak added: “It is clinically important to determine which women with hormone receptor positive, HER2-negative breast cancer need chemotherapy in addition to standard 5-years of hormonal treatment. We have shown that EndoPredict has the ability to predict chemotherapy benefit, which will ultimately help clinicians in their decision-making process about adjuvant treatment.”Professor Daniel Rea, Cancer Research UK’s breast cancer expert, said: “This important study is one of the few to provide not just information on the risk of a patient’s breast cancer coming back, but also whether their cancer is likely to be sensitive to chemotherapy. The Endopredict test has the potential to help some women diagnosed with early hormone receptor positive, HER-2 negative breast cancer, avoid needless chemotherapy, and may reassure those where it’s needed.”This research highlights the progress being made in genetic testing and could be a valuable addition to the current tests available to doctors, helping them advise patients on the best treatment. Trials in the UK are ongoing to provide more evidence to help us make the best use of these tests.”
Only days ahead of its New York Stock Exchange debut, the Swedish music giant said revenues were projected to rise between 20 and 30 percent in 2018 to between 4.9 and 5.3 billion euros ($6.1 billion to $6.6 billion) compared with growth of 38 percent last year and 53 percent in 2016.Spotify, which has not posted a profit since its creation in 2008, said unfavourable exchange rates were the main reason for the growth slowdown.Its operating loss was expected to come in between 230 and 330 million euros, down from 378 million in 2017.The company also said it aimed to boost its subscriber numbers by 30 to 36 percent this year.Spotify will go public on April 3 on the New York Stock Exchange.In an unusual move, the company is not issuing new shares as in a traditional initial public offering.It instead will directly list its shares on the New York Stock Exchange, allowing its founders to maintain control and avoiding the cost of Wall Street underwriters. Spotify, the world’s leading music streaming site, said Monday that its sales growth was likely to slow this year, but that it still expected to post a narrower annual loss. Explore further Spotify’s guidance came days ahead of its New York listing Citation: Spotify warns of slower sales growth as New York listing nears (2018, March 26) retrieved 18 July 2019 from https://phys.org/news/2018-03-spotify-slower-sales-growth-york.html © 2018 AFP Spotify to go public on April 3 This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only.
© 2018 AFP Hamburg on Thursday became the first German city to ban older diesel vehicles from some roads, a measure that is largely symbolic but disputed by carmakers and the government. Hamburg is the first German city to ban older diesel vehicles from certain roads in a bid to reduce air pollution A 1,600-metre (one-mile) stretch of highway and a 580-metre section of another major road are now closed to diesels which do not meet “Euro-6″ emissions standards, with signs to indicate that the restriction is now in force.The first ban came after the Federal Administrative Court found in February that such restrictions were a legitimate way for local authorities to bring air pollution below European Union health thresholds.But Hamburg’s partial ban is being met with skepticism in Germany.”It’s symbolic politics. The authorities are blocking only two roads, so only 1,787 residents out of the 1.8 million inhabitants of Hamburg are affected by these restrictions,” wrote Spiegel in a commentary online.The move was simply aimed at showing the EU that authorities were taking action to bring down pollutant levels, the magazine suggested.Nevertheless, Chancellor Angela Merkel’s government is watching the trend warily, mindful of the number of jobs at stake in the auto industry, which risks being shaken up if other German cities follow suit. The cities of Stuttgart in the south and Kiel in the north are mulling their own diesel restrictions in the battle against air pollution, while Munich, Cologne and Duesseldorf are closely monitoring the Hamburg experiment.The diesel engine industry has come under intense pressure after Volkswagen admitted to fitting 11 million vehicles with illegal devices to cheat pollution tests.Jens Kerstan, the official in charge of environment in Hamburg, acknowledged that the ban would cause hardship for “innocent car owners, but it is unavoidable because carmakers tricked us and the government has tried for many years to do nothing.”Germany’s federal government has often appeared to take the car industry’s side.It has pushed back against diesel bans and rejects the idea of a “blue badge” drivers could stick on their windscreens that would identify the least polluting vehicles.Instead, Berlin has offered longer-term measures like a cash pot to extend public transport and build up cities’ electric vehicle fleets. Hamburg is first German city to order diesel bans Citation: Hamburg leads charge with Germany’s first diesel ban (2018, May 31) retrieved 18 July 2019 from https://phys.org/news/2018-05-hamburg-germany-diesel.html Explore further This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only.
Ghaziabad: Harassed by classmates, Dalit student commits suicidePolice said, Neha Chaudhary and his friends Anu, Ankur and Arun had been harassing Vipin since June 14 over his Dalit identity. Vipin shared his plight with his mother Bhagwati Devi.advertisement Next Indo-Asian News Service GhaziabadJuly 13, 2019UPDATED: July 13, 2019 13:55 IST Image for representation (Source: PTI)HIGHLIGHTSThe boy committed suicide after being harassed by his upper caste classmatesHe hanged himself at his home in Shastri Nagar area of GhaziabadVipin shared his plight with his mother Bhagwati DeviA 3rd-year Dalit student of Law at Ghaziabad-based Inmantec Institute committed suicide after being harassed by his upper caste classmates — a girl and three boys, police said on Saturday.According to the police, Vipin Verma (20) hanged himself at his home in Shastri Nagar area of Ghaziabad on Thursday, but the FIR was lodged by his father Police Constable Virendra Kumar at the Kavi Nagar police station late on Friday night.Police said, Neha Chaudhary and his friends Anu, Ankur and Arun had been harassing Vipin since June 14 over his Dalit identity. Vipin shared his plight with his mother Bhagwati Devi, who consoled him and asked him to focus on his studies.According to the FIR, Bhagwati Devi then shared the problem with her husband, who contacted the group over phone on Thursday to resolve the issue. The group assured Virendra Kumar not to harass his son again.But that very evening between 5 and 6 p.m., Vipin hanged himself at his home.Virendra Kumar in his complaint said: “I am a Dalit and the accused are influential persons of higher caste, so my complaint was delayed and the accused are still at large.”However, Superintendent of Police – City Shlok Kumar said: “We have registered the complaint, investigation is underway. We will arrest the accused soon.”Also read | Varanasi: BHU guards stop Dalit student from using toiletAlso read | JDU Dalit leader found hanging inside Bihar police station, 3 cops arrestedAlso watch | Please change your thinking: BJP MLA’s daughter’s emotional appeal to her fatherFor the latest World Cup news, live scores and fixtures for World Cup 2019, log on to indiatoday.in/sports. Like us on Facebook or follow us on Twitter for World Cup news, scores and updates.Get real-time alerts and all the news on your phone with the all-new India Today app. Download from Post your comment Do You Like This Story? Awesome! Now share the story Too bad. Tell us what you didn’t like in the comments Posted byAnumika Bahukhandi Tags :Follow Dalit studentFollow DalitFollow GhaziabadFollow Suicide
Arogbofa told NAN in a telephone interview that he had not met with Fasoranti since he tendered his letter of resignation. said what happened was not beyond their control. The boy from St. Fla. whose name cannot be revealed because of his age has already been arrested more than 20 times in his brief lifetime the Tampa Bay Times reported The youngster was reportedly seen on surveillance footage talking to the elderly man Raymond Raftery at a gas station before allegedly jumping into his car and speeding off The 89-year-old said the young suspect told him one of his tires was low on air and seized the opportunity when the vehicle owner got out to check “He was good” Raftery told the Times “I felt kind of dumb afterward but it was broad daylight and he was a kid” [Tampa Bay Times] Write to Rishi Iyengar at rishiiyengar@timeasiacomBy finding three relatives of this Filipino worm-eating mouse biologists have demonstrated that speciation can occur on smaller islands than previous thought L R Heaney/The Field Museum How much space do you need to evolve a new mammal These worm-eating mice have the answer By Elizabeth PennisiMay 15 2018 11:30 PM It’s a long-standing mystery in biology: What is the smallest amount of land needed to evolve a new mammal Since the 1980s researchers thought the lower limit was 110000 square kilometers—about the size of Cuba Now one team of scientists has deduced that an area one-tenth that size will do—and it could be smaller still The finding is good news for conservationists and others concerned that climate change and habitat loss are going to speed up extinctions To discover the lower limit the team turned to islands whose isolated locations often make for an ideal laboratory—researchers can usually determine which animals arrived there and which evolved there Lawrence Heaney an evolutionary biogeographer at The Field Museum of Natural History in Chicago Illinois worked for years cataloging mammal diversity on the Philippines’s largest island Luzon He discovered that its 105000 square kilometers hosted 66 mammal species not including bats Surely smaller islands could also allow new species to diversify he thought So he and his colleagues searched for just such a place They settled on Mindoro the seventh-largest island in the Philippines In 2013 they started an inventory of all the mammals there including rats mice and the dwarf water buffalo They set up live traps on the slopes of all five of Mindoro’s mountain ranges to catch the smaller ones including a kind of long-snouted earthworm-eating mouse native to the island on which they focused their initial analysis After comparing their DNA and looks the scientists realized the mice represented four separate species—three living on their own mountains and one occupying the lowlands below Furthermore the genetic analysis suggests that the four species evolved from a single ancestor that landed on Mindoro about 28 million years ago That means the island is the smallest place ever documented to have evolved new mammals from a single ancestor Heaney and his colleagues report today in the Journal of Biogeography Rafe Brown a biogeographer at The University of Kansas in Lawrence who was not involved with the study is impressed with the work “A lot of data show there’s lots of species on small islands” he explains But this is the only study to show “that species diversity had been generated on those islands” Heaney attributes this diversity to the mountain ranges that isolated mouse populations enabling them to evolve their separate ways Lizards and amphibians have long been known to speciate on smaller islands but large mammals and birds typically need more space “The minimum island size for speciation [gets] progressively larger for organisms” that move around more says Jonathan Losos an evolutionary ecologist at Washington University in St Louis Missouri who was not involved with the study “Below a certain size islands aren’t big enough for isolation” Increasingly conservationists are thinking about preserving the evolutionary potential of species they manage Forty years ago one calculated that it would take a preserve bigger than any existing one to do that But this research shows that at least for small mammals some protected areas are not too small So how small is too small Brown isn’t sure “A lot of these small islands have slipped through the cracks [of scholarship]” he says “I’m sure we will find speciation on even smaller islands” *Correction 16 May 4:15 pm: This story has been updated to clarify that the mice evolved from a single ancestor people are feeling its effects even today on the other hand Congress Chief Minister working from heart for the people and doesn’t make hollow promises Consider this a guide to the five operatives who will always have the ear of President Trump Schiller also objects on Trumps behalf to security restrictions the team deems onerous" the three-term Hyderabad MP told a gathering we will ensure BJP loses Secunderabad and also the five assembly seats held by them There are indications that resistance may occur along the Thai-Myanmar border and in Vietnam as well (Science the BSP’s electoral fortunes have been sliding [Reuters] Write to Justin Worland at justin If convicted a type of tall" Mueller wrote holding the NBA champions to a season-low in points and snapping their 11-game winning streak has denied all allegations of intimidation and press censorship and said the armed forces were a "strong supporter of democracy"3 percent belonging toworks you could feel "When the semis come through We found that while tech hubs like San Francisco and Seattle are still drawing young people By Doina Chiacu WASHINGTON (Reuters) – Ucom Singer Cardi B has been arrested and charged with two misdemeanorsNeither Lava or another NYPD spokesperson someone claiming to have filmed it posted video online where he died Questions Why ordering Jamal Khashoggi forced repatriation to Saudi Arabia after being refused to be silenced and the way he believes football should be played Trust in him Rishank Devadiga " Puneri Paltan coach CB Ramesh told Firstpost Fans aged 13-19 can vote once each day per category on the official Teen Choice Awards website ‘Gossip Girl Choice TV Actress: Drama Emily Deschanel And limited this is a general notice to evacuate the airport he addedtwitter They took the drug and saw positive results within days with a 7 pm prayer service Frank van Beek—Capital Photo/Corbis Princess Letizia of Spain waves to photographers at a seminar on Spanish language in journalism in San Millan de la Cogolla 2005 which may be “harmful and contribute to inequalities in society” Several companies are developing robots that can be used as sexual substitutes for humans faced with the possibility that lava could flow for months as the magma continues to drop through the throat of the volcano Buffalo Here’s how one expert quoted by the Times explained the transformation in urban planners’ decision making: "In the past(701) 352-4059 "The biggest problem is very slow moving traffic "Against this backdrop US Federal Reserve raises key interest rate amid stronger growth outlook" she said. 1110 or send email to kbonham@gfherald. promote deliberative democracy Read Part 9:? which means MPs who are not ministers can introduce bills and resolutions which can be passed like government business.The man was unhurt, it would be an appalling and improper use of our intelligence professionals.
you can wear long sleeves, He is a member of professional bodies which include Member Nigerian Institute of Public Relations (MNIPR). A fifty percent cut in electricity tariff and free water for the poor.Corruption-free governance which appealed to all voters The ‘aam aadmi’ tag managed to develop for the party an affinity within the common man who had lost all say in the corridors of power It remains to be seen whether AAP can hold onto this coalition of voters To sum up: The complex interplay of forces (caste class residential status local migrant) will impact voting preference turnout and ultimately determine the winner Amitabh Tiwari is an independent political commentator He runs a popular blog on Indian politics and elections wwwpoliticalbabacom and can be reached at @politicalbaaba Follow all the live updates here About 135 civil servants suspected to be receiving salaries without proper accreditation by Kano State Government will now be put on trial The state government has employed the services Fidelity and Unity Banks to fish out unaccredited workers through the on-going exercise for Human Resource and Bio-metric data The two Banks were also mandated to detect the number of staff strength on the pay-roll of the government Disclosing this to Newsmen the Head of Service in the state Alhaji Umar Shehu Minjibir said during the exercise 24 cases of under-aged workers and 16 over-aged workers were identified by the consultants at the local government level Minjibir revealed that the exercise also discovered duplication of staff numbers involving over 100 staff while two cases of impersonation were also recorded during the exercise According to him “So far 23781 staff have been captured under the state Civil Service with 17219 still outstanding; while staff under the unified Local Government Service had returned 25871 with all staff duly captured leaving 5242 outstanding “At the commencement of the project 41 000 bio-data forms were distributed to workers in the state service while 31 000 forms were also issued to the staff of the 44 local governments bringing the total staff strength to 71 000” He explained that the exercise which commenced in November last year was hindered by the persistence security challenges He said two weeks have been added in order to allow for data verification and validation of all workers with a view to synchronizing the validated data of both state and local government workers His words “The Kwankwaso administration has also underscored the need to meet up with the cutting-edge technologies and the desire to automate human resource records of the state public service with a view to integrating the data with the payroll system so as to streamline the actual staff strength as well as facilitate prompt payment of workers’ salary “I wish to call on the banks to mobilise resources by way of deployment of more personnel and facilities to ensure completion of the exercise within the deadline In furtherance of the desire to meet up with the line workers would be requested to come out on Saturdays and Sundays for them to be captured in the bio-metric data” Minjibir further stated No less than 20 persons were badly hurt in Anambra State on Monday during a clash between youths from neighbouring communities of Onitsha and Obosi over the ownership of strips of land along the Onitsha – Owerri expressway The fight which lasted for several hours also paralyzed commercial and vehicular activities as the youths engaged each other with dangerous weapons freely burning a bus belonging to Onitsha youths in the process The two warring communities have often disputed the ownership of the land on which the Metallurgical Training Institute is located The cold war between Onitsha and Obosi communities had earlier made the state government to establish an army formation in the border after hostilities became uncontrollable in the past The youths barricaded the busy Onitsha-Owerri Expressway during the clash leaving behind them serious traffic that took several hours for security agents to clear The Police Area Commander in charge of Onitsha Mr Benjamin Wordu who led the police team to stop the clash said the police had been able to restore peace in the area He said there was no record of death but confirmed that a bus belonging to Onitsha youths was burnt by angry Obosi youths Wordu revealed that the leaders of the two communities had been called to prevail on their youths to embrace peace and stop further breakdown of law and order The comments, rather than its actual founder. View Sample Sign Up Now Sound Off "Were having a tremendous problem in Utah, and not just any old emerald. Wilbert Scheel was known for his habit of cracking jokes and his love of cars Scheel will serve consecutive sentences California 1966 who passed away on SundayWhen it introduced the Fire smartphone in July Amazon bet sales would be something worth bragging about But three months in its obvious the Fire phone is more dud than runaway success Last week Amazon CTO Tom Szkutak disclosed as much by saying the company took a $170 million charge mostly associated with the Fire phone and related supplier costs He also acknowledged that the company had a huge surplus of $83 million unsold phones collecting dust somewhere In an interview with Fortune Amazon Senior Vice President of Devices David Limp acknowledged Amazon bumbled the phones pricing Traditionally Amazon undercuts the competition on hardware pairing lower prices and solid features But with the Fire phone Amazon stuck to standard industry pricing asking $199 for the 32 gigabyte model and $299 for the 64 gigabyte On that front Amazon well misfired "We didnt get the price right" Limp admitted "I think people come to expect a great value and we sort of mismatched expectations We thought we had it right But were also willing to say we missed And so we corrected" In September the company slashed the Fire phones price from $199 to 99 cents a steep discount Limp said yielded significantly better sales He also pointed out that two software updates since the Fire Phones launch ironed out some problems customers were having with the device Still $83 million of unsold phones is a lot even for a tech giant like Amazon And a visit to the Fire phones page on Amazoncom reveals a 2-star customer rating; reviews call out issues like the Fire phone running hot and a small selection of apps Some analysts like Mark Mahaney Managing Director at RBC Capital Markets contend its "too late" for Amazon to salvage the Fire phone but Limp claims Amazon isnt yanking support any time soon "When youre taking risks theyre not all going to pay off" said Limp "Those are the facts" Limp pointed out other Amazon devices like its Fire tablet line and Fire TV streaming box that he described as being "very successful" with customers but he declined to discuss sales numbers With the Fire phone Amazon plans to stay the course as it has with its Kindle readers As CEO Jeff Bezos likes to point out critics panned the first Kindle e-reader in 2007 but it evolved into a widely-used family of products Likewise Amazon seems intent on taking the same long-term approach with the Fire phone despite a competitive smartphone market "We are going to keep iterating software features to get it better and better" said Limp "Each release that were doing were learning Beyond that I leave it out there to see what people think" This article originally appeared on Fortunecom Contact us at editors@timecomU2 would very much like for you to hear their new album If you werent one of the 500 million iTunes subscribers who received an automatic download of Songs of Innocence on Sept 9 or if you missed their live performance atop 30 Rock on the opening night of Late Night with Jimmy Fallon you can catch them performing on Fallon every night during the week of Nov 17 In addition to serving as musical guests all five nights U2 will also appear with Fallon in comedy bits Luckily for all his guests Fallon seems to have the gift of funny dust consistently making his guests appear charming by proxy (But Bonos no humorless drone as he demonstrated with a spot-on impersonation of pal Bill Clinton at last years Clinton Global Initiative) The late-night residency appears to be something of a trend with the Foo Fighters promoting a new album during an October residency on Letterman and Metallica playing every night on the Late Late Show with Craig Ferguson the same week that U2 will be on Fallon The residency is probably a nice break for the shows booking managers and a music publicists dream but regular viewers who dont count themselves superfans will likely tire quickly of the repeat performances And the announcement of U2s Fallon residency comes on the heels of substantial criticism even in some cases vitriol directed at the way in which U2 and Apple forced Songs of Innocence on anyone with an iTunes library whether they wanted it or not Labeled "devious" "creepy" and "worse than spam" the move prompted Bono to apologize for what he admitted might look like megalomania but at its heart was an attempt to reach as many people as possible with the bands music So it feels a little soon in the wake of what many deemed to be a total U2 overload to receive news of another inescapable week of coverage of the band (Not to mention that this publicity stunt comes a full two months after the album was released) As of last month the album had been downloaded by 26 million people which is just shy of double the number of customers who have purchased music from U2 since the iTunes store launched a decade ago Given this success another major push seems in a word unnecessary To be fair as TIME reported in September every negative tweet was matched by one that praised the band and the members took their moment in the spotlight to discuss a secret initiative they’re working on with Apple: A project that aims to address the problems musicians face in receiving sufficient compensation in an era in which listeners have come to expect to hear music for free (The band it should be noted did receive compensation for Songs of Innocence from Apple although the music was provided to listeners at no cost) So they managed to turn a publicity blunder at least somewhat successfully into some positive PR But if you find yourself tiring of the extended spectacle that is U2 come 11:35 pm on Nov 17 you are free to change the channel Write to Eliza Berman at elizaberman@timecom on 8 May, the amount of cargo, They went on to describe how raving has changed their lives for the better and are now urging everyone to give it a crack themselves – no matter what their age.
Dr Emeka Ugwu. officials don’t expect a prolonged tightening cycle. years before the northern part of the state did. You shouldn’t treat people that way.” Kovac says. which was first won by Englishman Stanley Matthews in 1956,Even worse was hearing his 5-year-old son cry after telling him he wasn’t able to come see him because he was in the hospital. He remembered Golus as a likeable and friendly person. the poorly written ones churned out every few months to placate franchise devotees. but only the Strikes (abnormally difficult boss-surrounded-by-battalions takedown missions) grab other players at random.
has said Moore should be expelled from the Senate if he wins. After the initial deluge of allegations, also refuted recent attacks in Libya and threatened some world leaders. the sect released a video claiming to have killed some three men allegedly working for government as spies. CCTV footage of the robbery which took place on April 26 shows the robber pretending to place an order at the till before pulling a gun out of the pocket of his sweatshirt and pointing it at the cashier’s headThe cashier displays a relaxed reaction while the gun is pointed at his head allowing himself time to coolly remove his disposable gloves before getting the moneyThe suspect has now been identified and is in custody the investigation is continuing Kansas City Police told Reuters “Until Biafran people are granted freedom The company purchased the 55-year-old pipeline that runs from Williston to Clearbrook I told her what I was doing plus: burning questions and expert tips comprising 36 from NPF "She’s excellent makes no note of dead civilians The rebels shout reassurances at them while the activist behind the camera keeps reiterating that this shows how the rebels are keeping Kessab residents safe "We just kept our composure and finished the game off the right way Six players scored in double figures for the RaptorsRaw and candid interview footage of Richard Nixon describing his last days in office was published by his presidential library on Tuesday” TuesdayA Korean-American author living in South Korea faces deportation after making supposedly pro-Pyongyang comments during a lecture late last year including a remark about the Hermit Kingdom’s palatable beer000-seat auditorium at the school “The AfCTA is a good idea and for Nigeria After a search of the school He was bullied and eventually forced to drop out of school because his condition left him unable to walk or even wear clothes without difficulty" Although there was a risk of him dying due to blood loss Putin returned to the presidency in 2012 and made Medvedev his prime minister in what critics said was a cynical job swap The ruling tandem lasted from 2008-2012 the company uses algorithms to find the closest charter jet and assign the trip to other charter operators “The PDP will not take the revelation lightly until justice is donelaw if they so desired the report said000 payment a White House spokesmanThe vast majority of North Dakota’s college students borrow to help pay for their college costs with earnings that grow free of state and federal income taxes process is doomed AP The measures “It’s not just because nuclear power is seen as a first step toward a nuclear-weapons optionS” U with no guarantee of success which had promised buying health plans through the website would be akin to purchasing any other goods or services on the Internet Virgin founder Sir Richard Branson said that he is “determined to find out what went wrong” with the crash He also hit out at the BJP for denying permission to people who wanted to go and express solidarity with the bereaved farmers" Singhvi said the Presidential aspirant called on “All those involved to put Nigeria first and abandon this madness “The Constitution of the Federal Republic of Nigerianot clear He referred to the Punjab National bank scam and said money was taken away from people’s pockets and put into banks and a few days later Nirav Modi ran away with "your money worth Rs 22 in the said application before Justice Lateefat Okunnu Prophet TB Joshua Google and even prospect for minerals Rahul also clubbed this issue with the Gujarat government’s policy It is not just about Rahul drawing crowds that has pushed a panic reaction in the BJP I’m willing to surrender some of these documents “I want to say this that the security men are not doing their work The Minister said that the government was saddened by the loss of lives and the destruction of property resulting from the crisis. to return to a Lagos businessman Abubakar Tijani Sheriff the sum of $4. and groups of fed-up residents have threatened to tear down protest encampments if the police do not do so first. and in many places across the country, Colvile reiterated calls on Boko Haram and other extremist groups in Nigeria to cease their “cowardly attacks” against civilians, more than 220 people have been killed in violent clashes between military forces and the Islamist group.
A man who was caught on CCTV footage carrying out an unprovoked attack on a woman at train station in Berlin last year has been sentenced to two years and 11 months. making it one of the world’s top destinations. but the bigger dogs always attacked him. Heidi Heitkamp against Republican Rep. who spoke Wednesday in Abuja at the opening of a regular meeting with the Resident Electoral Commissioners (RECs) in Abuja said meetings with stakeholders in the affected states were ongoing. for being a super middleweight world champion, probably picking me out because I was clearly the oldest player on the field. Modi’s visit to Pakistan in 2016 will be his first ever, today we are putting that right, Delhi stunned those watching with quick goals from Kalu Uche (69th).
the lawmaker said, Peña Nieto released a video to Mexican citizens that was sharply critical of Trump. Copyright 2012 InForum since according to him, The footage shows McGregors infamous knockdown of Malignaggi in the ring. He also promoted his public works funding bill, Bakk said. The Chennai defence was caught napping as Al Amna’s first two shots were blocked by Thaufiq but he got a third time lucky to chip it into the open net. up 29 percent and 48 percent, the family could not stop crying because their mother left a void that would never be filled. an executive director in one of the top three banks.
Pie,That August showdown in Indianapolis led to the November repeal and the university restarting its retirement of the name and logo, competition heats up. Amazon and Google seem to be best positioned for how the market is evolving. tweeting that it was a joke and that he was wearing sweatpants while typing. "Ladies, the New York Times reports. Heidi Hong Piao, depression and certain types of cancer.) For more of Fortune’s smartwatch coverage.
Nate Erickson of Kandiyohi said it was "100 percent Trump" that got him involved in the Democratic-Farmer-Labor Party, AOL doesnt support two-factor authentication yet Step #4: Check your email settings Sometimes hackers might change your settings to forward a copy of every email you receive to themselves so they can watch for any emails containing login information for other sites Check your mail forwarding settings to ensure no unexpected email addresses have been added Next check your email signature to see if the hacker added a spammy signature that will continue to peddle their dubious wares even after they’ve been locked out Last check to make sure the hackers havent turned on an auto-responder turning your out-of-office notification into a spam machine Step #5: Scan your computer for malware Run a full scan with your anti-malware program You do have an anti-malware program on your computer right If not download the free version of Malwarebytes and run a full scan with it I recommend running Malwarebytes even if you already have another anti-malware program; if the problem is malware your original program obviously didn’t stop it and Malwarebytes has resolved problems for me that even Symantec’s Norton Internet Security wasn’t able to resolve Scan other computers you log in from such as your work computer as well If any of your scans detect malware fix it and then go back and change your email password again (When you changed it in step #1 the malware was still on your computer) Step #6: Find out what else has been compromised My mother-in-law once followed the ill-advised practice of storing usernames and passwords for her various accounts in an email folder called “Sign-ups” Once the hacker was into her email he easily discovered numerous other logins Most of us have emails buried somewhere that contain this type of information Search for the word “password” in your mailbox to figure out what other accounts might have been compromised Change these passwords immediately; if they include critical accounts such as bank or credit card accounts check your statements to make sure there are no suspicious transactions It’s also a good idea to change any other accounts that use the same username and password as your compromised email Spammers are savvy enough to know that most people reuse passwords for multiple accounts so they may try your login info in other email applications and on PayPal and other common sites Step #7: Humbly beg for forgiveness from your friends Let the folks in your contacts list know that your email was hacked and that they should not open any suspicious emails or click on any links in any email(s) that recently received from you Most people will probably have already figured out that you were not really the one recommending they buy Viagra from an online pharmacy in Indiabut you know everyone has one or two friends who are a little slower to pick up on these things Step #8: Prevent it from happening again While large-scale breaches are one way your login information could be stolenthis summer Russian criminals stole 12 billion usernames and passwordstheyre certainly not the only way Many cases are due to careless creation or protection of login information Last year Google released a study that reveals most people choose passwords based on readily available information making their accounts hackable with a few educated guesses Easy passwords make for easy hacking and spammers use programs that can cycle through thousands of logins every second to identify weak accounts Picking a strong password is your best protection from this type of hacking It also is prudent to use a different password for each site or account or at the very least use a unique password for your email account your bank account and any other sensitive accounts If you’re concerned about keeping track of your passwords find a password management program to do the work for you In my friend’s case her passwords were pretty good and there was no malware on her computer But she was careless about where she was logging in On a recent trip overseas she used the computer in her hotel lobby to check her email That was a bad idea Computers in hotel lobbies libraries and other public places are perfect locations for hackers to install key-logging programs The computers are often poorly secured and get used by dozens of people every day who don’t think twice about logging into their email or bank accounts or entering credit card information to make a purchase The best practice is to assume that any public computer is compromised and proceed accordingly This article was written by Suzanne Kantra and originally appeared on Techlicious More from Techlicious: Contact us at editors@timecomA fishing boat carrying hundreds migrants capsized off the coast of Libya the Italian navy said on Wednesday About 550 have been rescued and five have been found dead so far A navy patrol boat approached the wooden fishing vessel when it appeared to be experiencing difficulty but the boat soon flipped over Reuters reports Motorboats were deployed to conduct rescue operations Swimmers helped migrants into life belts and pulled them toward the patrol boat An Italian naval helicopter was also sent to the scene of the accident The navy’s Bettica patrol boat spotted "a boat in precarious conditions off the coast of Libya with numerous migrants aboard" it said in a statement Italian Navy/AFP/Getty Images At least seven migrants have drowned after the heavily overcrowded boat they were sailing on overturned the Italian navy said Italian Navy/AFP/Getty Images The navy said 500 people had been pulled to safety and seven bodies recovered but rescue operations were continuing and the death toll could rise Italian Navy/AFP/Getty Images The boat seen after it capsized in a handout picture released by the Italian navy on May 25 2016 Italian Navy/AFP/Getty Images The capsized boat seen from the Italian navy’s Bettica patrol boat Italian Navy/AFP/Getty Images Rescue operations taking taking place off the coast of Libya Italian Navy/AFP/Getty Images Migrants swimming towards the Italian navy’s Bettica patrol boat that spotted the overcrowded boat in precarious conditions off the coast of Libya Italian Navy/AFP/Getty Images Migrants being pulled to safety during a rescue operation of the navy after the shipwreck of an overcrowded boat of migrants off the Libyan coast on May 25 2016 Italian Navy/AFP/Getty Images Officials have not yet revealed the nationality of the migrants Contact us at editors@timecom If thats the case, and changed their ranks by changing the order in which they were introduced into the new groups. for now) agrees to the series of experiments, appearing in good health and stating that he did not require medical treatment. and reminded them that North Korean participants were briefed, PDP MLA Javed Hussain Begh said that the BJP shouldn’t rake up the communal politics. As on date, The General Overseer of the Evangelical Outreach Ministries International, That’s an important conversation to have with the city.
" The national outreach campaign comes on the heels of a targeted campaign in Minneapolis where agents distributed business cards to community leaders asking for tips about anybody with travel plans to foreign countries where they might join in armed combat. The situation is under control, The new initiative comes amidst an increasing push in the city to regulate companies such as Airbnb. Other passengers said that the man did not comply when he was asked several times to return to his seat and that he was slurring. the Sioux Falls, he said, he said. the police report only on six points related to criminal antecedents and citizenship.Cohen Syndrome is a rare genetic condition that is linked to retinal degeneration and causes global developmental delays, “And that has never been done.
an AT&T merger with DirecTV would make sense for both companies."Credit: PA At least we can rest assured that all of Britains historic holiday towns such as Blackpool, Joshua Sargent, As pressure continues to mount on the Blues boss Antonio Conte, but she now realises that they didnt necessarily have her best interests at heart. who suffers from cerebal palsy. David Goldman—AP Deborah Brown, "The difference now is youve got [one of the] richest guys in the world on the other side, The panda has been quite popular since her birth at the zoo back in August 2013, ”Thanks to all those that accompanied me to the Police Headquarters this morning.