Grace expects Greinke trade to have emotional impact Every week we will catch up with one Arizona Cardinals player and give our listeners the opportunity to submit questions to be answered on video. Submitting a question is easy, head on over to @AZSports on Twitter and tweet as many questions as you can think of, the best ones will make the cut! This week features Arizona Cardinals running back, David Johnson (@dajohnson7). This is Four Downs. Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories Comments Share
My boyhood friend Tom G. has been a member of our hometown Citizens Corps for many years. The Federal Emergency Management Agency (FEMA) sponsors it and trains volunteers in emergency preparedness. When emergency responders become so swamped that fire, police, and medical personnel cannot handle things, these volunteers step in. Thousands of hours and millions of taxpayer dollars are spent training citizens in case some unforeseen catastrophe overwhelms the system. They work and train hard, and fortunately they haven’t been called on to any major degree. We live in Central Florida. Having ridden out a few hurricanes in my life, we’re as well prepared as we can be. We have a generator, food, batteries, candles, a water purification kit, and much more. My wife and I visited Punta Gorda after it suffered the brunt of a hurricane in 2004. After driving one block to the grocery store, we raced out of there with burning eyes and handkerchiefs covering our noses and mouths. We immediately drove back to the motel, changed our clothes, and put what we were wearing in a plastic bag. We’d never seen anything like that before—and it left quite an impression. Honestly, what’s the chance of a hurricane doing that kind of damage to us? We’re over 50 miles inland from both coasts and 70 feet above sea level. In 2004, the eye of three hurricanes passed right over our little town for the first time in recorded history. Even if the probability is less than 1% (similar to a fire), the fallout would be so bad that we prepare anyway. What about a financial catastrophe? Folks near my age have lived through a few bubble bursts and recoveries. Most of us, however, did not experience the big one like our parents did in the 1930s. Though one thing’s for sure: It was bad, and it shaped the attitudes and values of a couple generations. What does a full-blown financial crisis look like? It’s when your world collapses financially. It might come on the heels of medical problems and the resulting high bills and lost income, or it might come in tandem with runaway inflation or a political meltdown.Financial Preparation The goal of preparation is adequate protection. When the crisis comes, it may affect everyone. Those who prepared well are likely to fare much better and avoid catastrophic consequences… which brings us to core holdings.Core holdings are, quite literally, survival insurance. They are assets we sock away and then hope, pray, and plead with the gods that we never have to sell. They should make up 10% of your overall net worth and be diversified in form and location. In light of the warning signs, now is a good time to review your own core holdings. They form the base of our investment pyramid, which I outlined in my book Retirement Reboot (complimentary with a subscription to Miller’s Money Forever, wink, wink). While we’re proud of how well the Money Forever portfolio is performing, we want to re-emphasize that the first step in any financial plan is building your core holdings. The investments in our portfolio risk some capital with the intention of profiting down the road. Core holdings are a different animal altogether. What types of investments should be in your core holdings? Well, that depends on the risk you’re trying to protect against.Protecting against inflation. Start with precious metals—gold and silver in particular. I recommend starting with “junk” silver, which you should be able to buy locally. Then add gold, silver, and platinum coins. One of the best ways to buy competitively is to go to a coin show. You will find several dealers displaying their wares and can quickly determine the market price. As you increase your holdings, consider holding some metal internationally. The Hard Assets Alliance (a Casey Research affiliate) makes that very easy. When you place your order, it garners bids from several dealers throughout the world so you get minute-by-minute competitive pricing. Jo and I have an account with it, and it’s easy and convenient. You can have the metals stored internationally, here in the US, or have it shipped to you. Don’t confuse these holdings with gold stocks or exchange-traded funds. Those are not core holdings. They’re paper investments purchased with the intention of selling for a profit at a later date. While they may move consistently with metal prices, unless you have a huge account, your paper is not redeemable for metal. You may want to own these in your portfolio, just like any other asset you think will go up in value. Your core holdings, however, need not be limited to metals. We hold foreign currency-denominated CDs from EverBank that are FDIC-insured. While their yield is currently low, we hold them as a hedge against inflation. When the US dollar buys less, certain foreign currencies increase in value and will buy more. By way of example, I have held Swiss francs for years. They used to be worth $0.80 on the dollar; now they are worth more than $1.10. Farmland is another great hedge against inflation. It’s a valuable asset and is in limited supply. There’s no new land growing in Kansas.Protecting against confiscation. Historically, governments resort to extreme measures like confiscation when inflation gets out of hand. Confiscation can take more than one form. President Roosevelt, by Executive Order 6102, made it illegal to own gold. Once people surrendered their gold, the government raised its official price from $20.67 to $35.00 per troy ounce. Think about that for a minute… One day you’re forced to sell 100 ounces of gold coins to the government and receive $2,067.00 in paper for it. The next day they revalue it and decree that it would cost $3,500.00 to buy it back, but they’re not going to sell it to you. Gold didn’t go up in value overnight; the value of the dollar went down. A second form of confiscation results in taxes, sometimes marketed as “emergency taxes.” A government that’s spending more than it takes in will eventually have its day of reckoning. Fearing a collapse, they’ll resort to extreme measures. I wrote about the confiscation in Cyprus last year, and we’re seeing similar things happening in Argentina. Who are the targets? Anyone with money. While no one can predict for sure what our government will do, prudent investors diversify some of their investment capital offshore. The recently passed Foreign Account Tax Compliance Act (FATCA) highlights how the government is taking great measures to harass any prudent investor moving his money out of harm’s way. Citizens of Cyprus have made it quite clear that those who moved some of their money offshore were spared. Once the government shut the currency window, however, it was too late for the others.How bad could things get? I have no idea. Argentina has already confiscated much of its citizens’ retirement plans and forced them to invest in the government’s debt. Can we say for sure that inflation of this magnitude will or won’t happen in the United States? No. I am neither a prophet nor a soothsayer. Though I can tell you this: the Federal Reserve had been in business for around 100 years and had $800 billion on its balance sheet as recently as 2007. Now it has $4 trillion, which is somewhere between a 400- and 500-year money supply. What will happen if it tries to sell that debt? The minute the world loses confidence in the dollar or it loses the status of being the world’s reserve currency, the decline in purchasing power could be horrendous. Even if the probability is a fraction of 1%, our biological clocks are ticking. Most of you are close to leaving the workforce or already out. The adverse consequences of high inflation and/or outright government confiscation of wealth are so catastrophic that an unprepared investor may never be able to recover. Even the Citizens Corps will not be able to help; we’ll be left to fend for ourselves, which could mean bunking in your adult child’s guest room instead of doing the million other fun things you’d planned for retirement. It’s time to make sure your core holdings are where they need to be, just in case. Jo and I review our financial holdings each year at tax time. That reminds me… We store our emergency food and mark the expiration date on the cases. About a month before expiration, we load the cases in the van and take them to the local food bank, then head to Sam’s Club to reload. Hurricane season will be here before we know it. It’s time to check our inventory. I hope we never have to open a can and can continue to help feed the homeless. That helps me sleep better at night. By the way, you can catch a peek of our portfolio, risk-free, if you try our newsletter today. You can see exactly which investments we make in order to achieve a good return, with minimal risk, even should very high inflation hit. You can access it now by subscribing to Miller’s Money Forever with a 90-day money-back guarantee. If you don’t like it, simply return the subscription within those first three months and we’ll refund your payment, no questions asked. And the knowledge you gain in those months will be yours to keep forever.On the Lighter Side For the radio buffs among you, I recently did an interview on bonds for GoldSeek. It’s an in-depth interview about how bonds work today and the common pitfalls to avoid. Our friend Stan the Annuity Man has just released a new book, The Annuity Manifesto. As a consumer advocate, Stan believes (as do I) that you’re better off with no annuity than with the wrong one. His book is a commonsense explanation of all types of annuity products and how they should be used. My wife Jo made an interesting observation on Easter Sunday. Many churchgoers here in Florida attend in blue jeans, shorts and flip-flops. Other families are dressed to the nines: little boys in suits and ties and girls in pretty dresses, patent leather shoes, and bonnets. It makes for an interesting sight. Jo remembers how important it was as a young girl to get a “new” Easter outfit. I suspect part of the reason was she had outgrown last year’s version. And finally… Our friend Tom B. dusted off some more memories for us. It was one of the best advertising campaigns in American history and actually a public service. EVERYBODY in America anticipated, read, and chuckled at those funny Burma Shave ads. Until next week…
Dear Reader, Two weeks ago, gold dropped almost back to where it was last December. The resulting negative sentiment gripping the precious metals market and indeed the whole metals and mining sector is profound and far reaching—as bad as last December, or worse. Which is odd, because the better stocks have not returned to their December lows. Producers have cut costs, explorers and developers with quality assets have been able to raise the money needed to advance, and we’ve actually been able to book some profits this year. But that’s typical; markets tend to overreact, and that, of course, creates opportunities. That said, the Casey consensus is now that broader markets are set for a major correction—much greater than the 1,000 point slide the Dow has seen over the last month. We may at long last be on the verge of leaving the eye of the global economic storm, as we’ve called it. Our colleagues at The Casey Report are preparing a special report on this subject, which we will send to all paying subscribers. But whether or not a “waterfall event” is about to hit Wall Street and beyond, if we’re facing the possibility of another 2008-type downturn, it’s only prudent to rig for stormy weather. What does that mean? It means rebalancing more toward cash and culling underperformers to that end—especially companies low on funds or losing money. Being contrarians, however, we also want to prepare to go bargain hunting. It’s in this context that I want to share some price-to-book-value research we’ve done, as you’ll see below. It’s important to keep the difference between price and value in mind when the two diverge. And they already have. Things could start moving very quickly in the weeks ahead. We’ll do our best to keep you appraised and advise you on how to proceed. Subscribers should check our portfolio pages frequently this month. Before we get to today’s article, however, I’m pleased to announce our new documentary-style film on the only way for Americans to legally minimize their taxes without leaving the US. It’s called America’s Tax-Free Zone, and you can watch it for free. As I’m sure longtime readers can guess, the focus is on Puerto Rico’s new tax incentives. Doug Casey, Peter Schiff, and other experts walk viewers through the facts and what to do. I hope you enjoy the video; I’d love to have more of you become my neighbors here in the US Caribbean. Now, on to the main event. More next week, Sincerely, Copper 3.01 3.14 3.30 Rock & Stock Stats Last One Month Ago Gold Producers (GDX) 20.69 23.43 24.50 Gold 1,238.29 1,234.90 1,323.00 Gold Junior Stocks (GDXJ) 32.47 37.60 37.38 One Year Ago Silver 17.27 18.66 21.95 Louis James Senior Metals Investment Strategist Casey Research Gold (SGE) 1,243.72 1,249.15 1,302.08 TSX (Toronto Stock Exchange) 14,227.68 15,458.88 13,036.36 Silver Stocks (SIL) 10.39 11.98 12.80 TSX Venture 810.13 972.51 951.58 Oil 82.92 93.20 100.87
70-year old multimillionaire’s #1 step to survive America’s looming currency crisis I think you’ll be surprised just how easy this is – yet most Americans know nothing about this option. You don’t even have to send a single penny outside the U.S. to do it, either. Click here to learn more. France made cash transactions over €1,000 illegal, down from the previous limit of €3,000. – Governments are waging a war on cash… Although you won’t hear it in the mainstream media, many world governments want to eliminate paper cash. Governments hate paper cash because it’s hard to track. Electronic payments through banks are much easier to monitor and record. Nick Giambruno, editor of Crisis Speculator, has been following this trend closely. The War on Cash is a favorite pet project of the economic central planners. They want to eliminate hand-to-hand currency so that governments can document, control, and tax everything. In just the last few years… • If, like us, you’re concerned about governments’ War on Cash… We suggest owning a significant amount of physical gold and silver. People across the world consider gold and silver money. They have for thousands of years. If your government eliminates paper currency, you won’t be able to store wealth by keeping cash at home or in a vault. You’ll have to store all your cash in digital form, at a bank, or another financial institution. With gold and silver, you can store a portion of your wealth at home or in a vault, outside the banking system. And, unlike cash in a bank, reckless government printing and spending can’t destroy the value of gold and silver. You should also consider reading Casey Research’s newest book, Going Global. It includes strategies to protect your money from reckless government actions, like the banning of paper cash. We typically sell this book for $99…but right now we’ll mail a hardcover copy to your front door for just $4.95. Click here to learn more. • Brazil is sinking deeper into its worst economic crisis in decades… Brazil’s economy shrunk by 4.5% during the third quarter, according to government data released this week. It was the biggest quarterly decline since Brazil starting keeping GDP records in 1996. Its economy has now shrunk three quarters in a row. Casey readers have known about Brazil’s economic crisis for months. The downturn is only getting worse. Brazil’s economy is spiraling into a full-blown depression… Since July 2014, Brazil’s currency has lost 41% of its value against the U.S. dollar. Meanwhile, Brazil’s annual inflation rate just topped 10% for the first time in 12 years. And the country’s unemployment rate hit a six-year high of 7.9% in October. • China’s slump is one reason why Brazil is unraveling… China’s economy grew 9.7% per year from 1990 through 2014. In 2010, China became the world’s second-biggest economy. During this time, China’s explosive growth helped boost the global economy. China needed a lot of raw materials to build its infrastructure. This helped countries, like Brazil, that export those materials. In fact, China’s rapid growth helped Brazil become the seventh-largest economy in the world. But China’s economy is slowing now. Last year, China grew at its weakest pace since 1990. That’s creating big problems for Brazil… • Brazil sends 19% of its exports to China… That’s more than it sends to any other country…and nearly twice as much as it sends to the U.S. China’s slowing economy means it’s building fewer factories, office buildings, and bridges. That’s hurting demand for Brazil’s largest export: iron ore, the main ingredient in steel. Iron ore accounts for 19% of Brazil’s exports. It’s by far the country’s largest export. • The U.S. economy also appears to be slowing down… According to The Wall Street Journal, spending on capital goods fell 3.8% during the first 10 months of 2015. Capital goods include equipment and machinery. Meanwhile, business investment only grew 2.2% during the third quarter. That’s one of the smallest increases since the Great Recession, according to The Wall Street Journal. The energy sector is a big reason those figures are so weak. As you likely know, energy prices have plummeted. The price of oil has dropped 40% over the past year. And the price of natural gas has dropped 34%. Energy consulting firm Wood Mackenzie estimates that North American oil companies have cut spending by $220 billion since last summer. On Monday, The Wall Street Journal reported that companies in other sectors are dialing back investments as well. The industries [that are] pulling back range from retailers and manufacturers to energy companies and some services firms… Even major retailers are cutting back on spending. Macy’s Inc. plans to close 35 to 40 stores early next year, joining J.C. Penney Co. and Abercrombie & Fitch Co. among retailers announcing cutbacks this year. Companies buy more equipment and machinery when they’re optimistic about the economy. They cut back on spending when they think the economy is slowing. Right now, declining business investment is one of many signs pointing to a slowing U.S. economy. Chart of the Day The stock price of Vale S.A. (VALE), the world’s largest iron ore miner, just hit an 11-year low… Today’s chart shows Vale’s adjusted stock price, which accounts for stock splits and dividends. Its stock price has dropped 57% this year. It’s now down 89% from the all-time high it set in 2008. Vale mines more iron ore than any other company in the world. Its stock price is crashing because iron ore demand is crashing. This points to huge problems in the global economy. Russia banned cash transactions over $10,000; Uruguay banned cash transactions over $5,000; and A money making site you had no idea existed… Your broker or financial advisor will never tell you about this little known financial website that’s helping some people make up to $300 per hour. Learn more here. Nick went on to explain that the U.S. government imposes restrictions on withdrawing your own cash from the bank. In the U.S., central planners ratchet up the War on Cash every time the government declares a made-up war on something else…a war on crime, a war on drugs, a war on poverty, a war on terror… They all end with more government intrusion into your financial affairs. Thanks to these made-up wars, the U.S. government is imposing an increasing number of regulations on cash transactions. Try withdrawing more than $10,000 in cash from your bank. They’ll treat you like a criminal or terrorist. • We just got the clearest sign yet that paper cash is disappearing… The world’s largest printer of banknotes (paper currency) is cutting production and firing employees. Yesterday, De La Rue (LON: DLAR) announced it will cut its banknote production capacity by 25%. The company is closing half of its production lines and eliminating 300 jobs. De La Rue prints more banknotes than any other company in the world. It produces banknotes for over 150 national currencies, including the British pound sterling. Its stock price is down 20% since mid-April. The company’s CEO said the decision was made to keep the company “in line with the future needs of our global customers.” De La Rue may also sell its cash-sorting machine business for similar reasons. Recommended Links — Switzerland proposed banning cash payments in excess of 100,000 francs; Italy made cash transactions over €1,000 illegal; Spain banned cash transactions over €2,500; Mexico made cash payments of more than 200,000 pesos illegal; Regards, Justin Spittler Delray Beach, Florida December 03, 2015 We want to hear from you. If you have a question or comment, please send it to email@example.com. We read every email that comes in, and we’ll publish comments, questions, and answers that we think other readers will find useful.
Updated at 9:05 a.m. ET Rear Adm. Ronny Jackson, President Trump’s embattled nominee to lead the Department of Veterans Affairs, has withdrawn from consideration for the post amid allegations he had fostered a hostile work environment and behaved improperly while serving as the top doctor leading the White House medical unit.In a statement Thursday morning, Jackson said, “Going into this process, I expected tough questions about how to best care for our veterans, but I did not expect to have to dignify baseless and anonymous attacks on my character and integrity.” He continued, “While I will forever be grateful for the trust and confidence President Trump has placed in me by giving me this opportunity, I am regretfully withdrawing my nomination to be Secretary for the Department of Veterans Affairs.” On Wednesday, Sen. Jon Tester, D-Mont., the ranking member of the Senate Veterans’ Affairs Committee released a two-page statement detailing allegations against Jackson from 23 unnamed individuals.The allegations included providing “a large supply” of the opioid Percocet to a member of the White House Military Office and wrecking a government car while driving drunk after a Secret Service going-away party. Jackson denied wrecking a vehicle to reporters. In an interview with Fox & Friends on Thursday after Jackson’s withdrawal, Trump said Jackson “would have done a great job” and “had a perfect record” and called the allegations against him false.The Senate Veterans’ Affairs Committee had postponed Jackson’s confirmation hearing, originally slated for Wednesday, after accusations of misconduct surfaced against Jackson, who has served as the personal physician for the president under the Trump and Obama administrations.In an interview Tuesday with NPR’s All Things Considered, Tester said committee staffers “were told stories where he was repeatedly drunk while on duty where his main job was to take care of the most powerful man in the world. That’s not acceptable,” Tester said, noting the various allegations date back to when Jackson oversaw President Barack Obama’s health care.”Some of the exact words that were used by the folks we talked to were ‘abusive toward staff,’ ‘very explosive personality,’ ‘belittles the folks underneath him,’ staff that he oversaw. ‘Screamed toward staff,’ ” Tester said. “Basically creating an environment where the staff felt that they needed to walk on eggshells when they were around him.”In the Fox interview, Trump blamed Tester for Jackson’s withdrawal and said Tester “has to have a big price to pay in Montana.” Tester is up for re-election in November, in a state Trump won handily in 2016.Trump says he has someone in mind to replace Jackson, saying it’s “somebody with political capability.”Veterans’ Affairs Committee Chairman Johnny Isakson, R-Ga., and Tester had sent a letter to Trump on Tuesday requesting additional documentation related to Jackson’s tenure as the president’s doctor and his role leading the White House medical team.The letter requested information about rumored Pentagon inspector general reports said to detail allegations into Jackson’s conduct.However, Jackson said there was no inspector general report about the allegations. “No, there was not,” he said before brushing off questions about whether he would withdraw.The White House put out a statement to make it clear that Jackson was reporting to work on Thursday in his normal post at the White House Medical Unit. But the questions about his conduct in that position may not necessarily go away just because he has withdrawn his name for the Cabinet post. Jackson’s initial nomination came as a surprise to many when the president announced his pick last month to lead the VA after the departure of Veterans Affairs Secretary David Shulkin, who had been confirmed with unanimous bipartisan support in the Senate.While previous presidents had praised Jackson’s medical care, questions arose almost immediately about whether he had the managerial experience to oversee a massive health care operation of more than 370,000 employees that serves more than 9 million veterans and has a budget of nearly $200 billion.”Adm. Jackson is highly trained and qualified and as a service member himself, he has seen firsthand the tremendous sacrifice our veterans make and has a deep appreciation for the debt our great country owes them,” Trump said in announcing his nomination.But after the allegations against Jackson began to be reported by national media outlets this week, Trump said he wouldn’t be surprised if Jackson wanted to withdraw given the rising storm, but that it was “his decision.””I wouldn’t do it. I wouldn’t do it. What does he need it for? To be abused by a bunch of politicians that aren’t thinking nicely about our country? I really don’t think personally he should do it, but it’s totally his — I would stand behind him — totally his decision,” Trump remarked Tuesday during a news conference alongside French President Emmanuel Macron.Ultimately, as he often does, Trump appeared to go with his gut in picking Jackson and it’s unclear how much — if any — vetting the White House did before making the selection. Trump had become personally fond of Jackson, especially after he gave the president a glowing review after his first presidential physical earlier this year, even boasting that the 71-year-old president had such “great genes” that “if he had a healthier diet over the last 20 years, he might live to be 200.”Jackson joined the White House medical unit in 2006, helping care for President George W. Bush, and was formally named physician to the president in 2013 by Obama. A West Texas native, he attended Texas A&M University and the University of Texas Medical Branch, specializing in emergency medicine.There were also questions about Jackson’s position on privatizing the VA — something many of Trump’s most conservative backers have pushed for. Shulkin said he believed that was one reason he was ousted from his post, though there were also questions raised about improper travel expenses during his tenure. Copyright 2018 NPR. To see more, visit http://www.npr.org/.
Copyright 2018 NPR. To see more, visit https://www.npr.org.
IN a thrilling encounter at Millom Lancashire u17s, with no fewer than nine St. Helens lads in their ranks, emerged victorious in an epic encounter with Cumbria 20-18.Emotions were running high because Kieran Johnson, son of Lancashire Chairman Phil Johnson, had recently died in tragic circumstances and his funeral was only two days before this deciding game.As a mark of respect both sides wore black armbands of gaffer tape.Thanks to try scorers Nicky Radcliffe (Leigh Miners), Andy Riley (St. Judes), Jack Jones and Jordy Houghton (both Thatto Heath Crusaders) with Jones also adding a conversion, Lancashire clawed their way back from 18-4 down at half time to draw level at 18-18.Lancs were then awarded a penalty in the dying seconds, which was successfully dispatched towards goal by Jack Jones.But in an amazing and ironic twist of fate, Jack kicked from what was left of the roll of Kieran’s black gaffer tape as the tee had gone missing.Thatto Heath Crusaders Jamie Tracy (didn’t play in the final due to being injured the day before), Adam Hesketh, Tom Rigby, Rob Gormley, Jack Jones, Leon Tatlock together with Pilkington Recs Danny Morris, Mike Gibson and Matty Foreman are pictured with the rest of the Lancashire team and their coaches Kev Johnson (Leith East) and Dave Yates (Thatto Heath Crusaders).
Apply Now » California Unions, Lawmakers Agree to $15 Minimum Wage Image credit: Reuters | Mike Blake –shares California lawmakers and union leaders have reached a tentative deal to raise the state’s minimum wage to $15 over six years that could avert a campaign to bring the issue to voters, two California newspapers reported on Sunday, citing unnamed sources.The deal, if passed in the state legislature and signed into law by Governor Jerry Brown, would add to a wave of minimum wage increases at the state level in the United States, where the federal minimum wage has remained at $7.25 an hour for more than six years.The agreement, as reported by the Los Angeles Times and the Sacramento Bee, would gradually raise the minimum wage in the most populous U.S. state from the current $10 to $15 in 2022. Businesses with fewer than 25 employees would have one extra year to comply with the proposed law.The Bee said Brown is part of the agreement, while the Times said the Democratic governor could make a formal announcement on a deal as early as Monday.A spokesman for Brown was unavailable for comment on Sunday.Sources told the Times that lawmakers could vote on the proposed agreement by the end of next week by amending an existing wage-hike bill.To pass in the legislature, any minimum wage hike would have to win the approval of moderate Democrats, who in the past have blocked key legislation backed by the governor and the majority party’s more liberal leaders.Income inequalityRaising the minimum wage to fight income inequality has cropped up on many Democratic candidates’ agendas ahead of the November presidential, congressional and state elections.But the idea has drawn fierce opposition from conservatives and some business groups, who have said a higher minimum would harm small businesses and strain the budgets of government agencies forced to pay more to workers.”Let’s start by calling this irresponsible,” said Michael Saltsman, research director at the Employment Policies Institute, a fiscally conservative think-tank that has argued against minimum wage hikes.”When you talk about these really massive jumps it’s no longer an impact at the margin, it’s the sort of thing that could be the difference between a business staying open and closing,” he added.In 2013, Brown signed into law a measure that gradually increased the minimum wage from $8 to $10 an hour in 2016. But he said earlier this year that any future increase has to be done “very carefully” and over time.The latest proposal would allow a sitting governor to stop the increases in the event of a recession, the Bee reported.Labor unions’ proposal to raise California’s minimum wage to $15 an hour by the year 2021 has qualified to be listed on the upcoming November ballot in the state.Supporters of a minimum wage increase who pushed for the ballot question are optimistic the deal would allow them to withdraw that initiative, the papers reported.But Steve Trossman, a spokesman for the Service Employees International-United Healthcare Workers West, told the Times the union wanted to see the details of the deal before withdrawing the initiative.Trossman was not immediately available for comment.Fourteen states and several cities began 2016 with minimum wage increases. Many are now in the midst of multi-year phase-in plans that will ultimately take them to between $10 and $15 an hour.(By Sharon Bernstein; Additional reporting by Brendan O’Brien in Milwaukee; Editing by Alan Crosby and Mary Milliken) Reuters Add to Queue March 28, 2016 The only list that measures privately-held company performance across multiple dimensions—not just revenue. This story originally appeared on Reuters Next Article Minimum Wage 2019 Entrepreneur 360 List 3 min read
Register Now » It’s worried that SpaceX will put crews at risk by topping up while they’re aboard. Next Article This story originally appeared on Engadget –shares NASA Image credit: Scott Audette | Reuters Learn how to successfully navigate family business dynamics and build businesses that excel. November 7, 2016 3 min read Free Webinar | July 31: Secrets to Running a Successful Family Business Jon Fingas Add to Queue NASA Is Concerned About SpaceX’s Rocket Fueling Practices NASA is a little nervous about SpaceX’s future crewed flights.The Wall Street Journal has obtained a letter from December 2015 showing that an agency International Space Station committee has been worried about the safety of SpaceX’s planned fueling strategy. While the nature of SpaceX’s Falcon 9 rockets will require that it fill up while the crew is aboard (it has to supply the supercooled fuel 30 minutes before launch), that goes against “50 years” of booster safety practices around the world, according to the letter.The committee raised the issue again with NASA officials days before SpaceX’s launchpad explosion, but hadn’t heard anything for weeks afterward.This isn’t to say that those officials or SpaceX have ignored the jitters. SpaceX tells us that it has worked with NASA on a “detailed analysis” of every potential danger for the past year and a half, and its safety controls were approved by a NASA board in July. There’s “continued work ahead” to both prove that these controls are in place and adjust them (if necessary) following its explosion investigation, the company says. SpaceX is mainly counting on its Crew Dragon launch abort system to rescue astronauts if there’s a failure during the fueling process. You can read the full statement below.NASA, meanwhile, says it has a “rigorous review process” for fueling crewed Falcon 9 rockets, and that SpaceX’s investigation will play a part in that review. It adds that a separate advisory panel is its main independent adviser for commercial spaceflight, not the ISS committee.Will the concerns play havoc with SpaceX’s plans? Probably not. However, they show that SpaceX still has its share of doubters at NASA, even as it improves the reliability of its rockets. It needs to demonstrate that a different fueling process isn’t necessarily more dangerous, and it may not completely eliminate those fears until it has a rock-solid record of sending people to space.”SpaceX has designed a reliable fueling and launch process that minimizes the duration and number of personnel exposed to the hazards of launching a rocket. As part of this process, the crew will safely board the Crew Dragon, ground personnel will depart, propellants will be carefully loaded over a short period, and then the vehicle will launch. During this time the Crew Dragon launch abort system will be enabled. Over the last year and a half, NASA and SpaceX have performed a detailed analysis of all potential hazards with this process. The hazard report documenting the controls was approved by the NASA’s Safety Technical Review Board in July 2016. As with all hazard analyses across the entire system and operations, controls against those hazards have been identified, and will be implemented and carefully verified prior to certification. There will be continued work ahead to show that all of these controls are in place for crewed operations and that the verifications meet NASA requirements. These analyses and controls will be carefully evaluated in light of all data and corrective actions resulting from the anomaly investigation. As needed, any additional controls will be put in place to ensure crew safety, from the moment the astronauts reach the pad, through fueling, launch and spaceflight, and until they are brought safely home.”
Data IntegrityData Managementdata privacyFacebookGDPRGood DataLiveRamp Previous ArticleMobile Is Key to Boosting Guest Experiences Say HoteliersNext ArticleTechBytes with Gregory Raiz, Chief Innovation Officer, Rightpoint When data integrity is done right, modern marketers will see efficiency, revenue growth and positive brand impact in 2019.Everywhere I go, the topic du jour is data discipline, and the outlook on it is somewhat somber. At LiveRamp’s RampUp, Outsell, and AdExchanger’s Industry Preview conferences, to name a few, marketers were lamenting the crisis of confidence in data and how they must be more conservative in their approach to sourcing, aggregating and using information while staying on the right side of COPPA and GDPR.In a year when the economy is doing well and ad spending is up, this downbeat tone felt somewhat ironic. Perhaps marketers are thinking about data discipline in the wrong light.What Happens When Data Integrity Is Well-Managed?In my view, ensuring data provenance, integrity and privacy and the like is not a setback; it’s an opportunity for marketers. It’s not about treading more lightly with data; it’s about aggressively making data discipline a core part of their marketing and business strategy. When data integrity is done right, marketers will see efficiency, revenue growth and positive brand impact.Look no further than one famous tech company that recently announced a change in their business strategy towards adding a “privacy-focused” messaging platform, with an aim to evolve the nature of their relationship with their users (and data). Facebook is the current poster child for pivoting its business to align with its consumers. While the benefits of their decision remain to be seen, no one can chide Facebook for taking an aggressive, upbeat, stance on the virtues of privacy.While Facebook and others will, no doubt, continue to collect and apply its customers’ data to drive growth, the basic fact that Facebook is talking about data privacy for the future of its business speaks volumes to a CMO’s rationale for advocating for more a powerful data integrity stance.Recommended: MarTech Interview with Ashwin Navin, CEO and Co-Founder, Samba TVAnd here are a few more reasons:Customers Need to Hear It from YouConsumers—not just regulators—are in the drivers’ seat, increasingly leading the conversation around data quality. Consumers are telling brands they need to feel more comfortable about how their data is used. They expect trustworthiness, discipline and honesty as bona fide benefits of doing business with them. Transparency must be part of the customer’s experience and also gives marketers a good and healthy reason to engage them.Each Investment Lifts All Boats Apple and Facebook’s pivot towards data privacy provides incentive for everyone else to raise their game on data ethics. The trend towards protecting the consumer, great for reputations and marketing budgets alike, is prompting the focus on privacy by design. The players who don’t build this concept into their marketing models will become extinct.Marketing Technology Insights: TechBytes with Krish Sailam, SVP of Global Programmatic Solutions, DWA, A Merkle CompanyBetter Data Means Better InsightsWhen data discipline is seen as a reproach, it can seem like consumers and businesses are at odds.In truth, customers and marketers have a shared agenda and are not at odds at all. We all want the same thing—relevant, accurate, well-managed data, used appropriately. Better data means better insights, which means more effective marketing and communication across touchpoints. Good data creates a recipe to get to conversion with your optimal customer.We’ve seen a banking client increase conversions by 21% by using household wealth estimates in their prospecting. It significantly improved their ability to connect with ideal customers with a need for their services.Good data is key to making segmentation and prediction modeling successful.Marketers Gain Confidence and DollarsThis year, the argument for acquiring clean data with your budget—even if it comes at a higher upfront cost—may be at its most powerful yet. According to research we conducted with Forrester Consulting, leading marketers see, on average, $73 million in additional revenue and earn approximately $4 for every dollar they spend on their investment in maturing their data management, activations and marketing measurement.Having confidence in the integrity of your data, data management and activations, and the metrics that prove it out, is the best way to keep hold of the precious marketing dollars your CFOs and CEOs will otherwise be targeting.Let’s flip the discussion on its head. Data integrity is an opportunity for businesses and consumers alike to benefit, financially and beyond.Marketing Technology Trends: Straight Talk on How MarTech is Faring Amidst the Big Data Deluge Data Integrity: A Marketer’s Opportunity Today Mykolas RambusApril 27, 2019, 8:00 amApril 26, 2019
Artificial IntelligenceBill.comBusiness Payments Platformfinancial process automationMarketing TechnologyNewsRené Lacerte Previous ArticleHow Can AI Boost Your Email Personalization Performance?Next ArticleFindy, The App Bold Enough to Take on Google Bill.com Launches Industry’s First AI-Enabled Business Payments Platform with End-to-End Workflow Automation PRNewswireMay 27, 2019, 2:15 pmMay 27, 2019 New Intelligent Business Payments Platform Automates Financial Processes, Saving Businesses 35+ Business Days AnnuallyBill.com, a leader in financial process automation, introduced the industry’s first platform leveraging artificial intelligence to provide end-to-end financial workflow automation. The new Bill.com Intelligent Business Payments Platform streamlines and controls payment processes while saving SMBs and midsize companies time and reducing human error.“Bill.com has focused on developing new technologies that help SMBs grow. Automating the back office is a huge industry-wide need”Advances in technology are shaping business expectations, but today many businesses still spend 23% of workdays manually managing many processes. This is creating a new demand for back office automation which, until recently, has only been available to enterprise companies. Now, Bill.com is bringing advanced automation technology to SMBs and midsize companies and through its new platform saving customers a substantial block of time that can be used more productively. In a recent Bill.com customer survey, customers reported the platform saves them on average 5.5 hours per week which translates to more than 35 business days annually.“Bill.com has focused on developing new technologies that help SMBs grow. Automating the back office is a huge industry-wide need,” said René Lacerte, Bill.com CEO and Founder. “Our new intelligent platform, which is the most significant update to Bill.com since its inception, is built on ten years of experience managing business payments and hundreds of millions of bills and invoices to train the AI. Increasing the speed and ease of payments will help businesses get ahead.”Marketing Technology News: revital U International Unveils New Sales App with VERB’s Interactive Video FeaturesThe focal point of the new Bill.com platform, which has undergone extensive testing and usability research, is its Intelligent Virtual Assistant (IVA) capability. With IVA, invoices are automatically handled. Approval processes start with no manual lag time and are 2-3 times faster than other methods. This automation easily scales as a business grows to:Eliminate manual data entry: IVA uses machine learning to automatically capture data from invoices, intercept and recognize human error and start the approval process automatically.Anticipate Customer Needs: IVA will recognize workflows, such as bill approval routing and thresholds for payment, and automatically create those business rules on behalf of customers.Offer new and faster payment options: The new platform enables new ways to pay, including international payments and virtual cards, that commonly shave one to two days off a vendor receiving payment. The new AI-enabled Bill.com platform also can be set to auto pay recurring bills so the user doesn’t even have to think about it.Marketing Technology News: How Digital Can Save Brick-And-Mortar Retail with Customer Experience Objectives“Bill.com offers SMB and midsized companies an end-to-end payments management platform powered by artificial intelligence and machine learning,” said Kevin Permenter, Research Manager at IDC. “In the recent IDC MarketScape: Worldwide SaaS and Cloud-Enabled Accounts Payable Applications 2019 Vendor Assessment, Bill.com was named a Major Player. From minimizing data entry and human error when processing bills and invoices, gaining approvals and making payments, the platform’s intelligence and accuracy streamlines and gives full control to the overall accounts payable process.”“Any company that’s still making bill payments the old-fashioned way really needs to innovate their back office,” says Gary Hornbeek, VP of Finance for Quicken. “The Bill.com Intelligent Virtual Assistant saves a great deal of time for our finance department. When invoices come in, IVA automatically processes and codes the invoices in the system with vendor name, invoice number, amount and due date. This can drastically reduce hours spent on manual entry.”Marketing Technology News: Seven Tech Data Executives Named 2019 CRN “Women of the Channel”
Source:https://www.lstmed.ac.uk/ Reviewed by Kate Anderton, B.Sc. (Editor)Nov 29 2018Researchers from LSTM have confirmed that using pyrethroid-PBO treated nets to prevent malaria is more effective at killing mosquitoes in areas where there is a high level of resistance to pyrethroids.The distribution of nets treated with pyrethroid insecticides has been very effective in reducing malaria transmission during the past two decades in Africa. However, there has been a rise in the number of mosquitoes developing resistance to pyrethroids, which is the only class of insecticides currently used to treat nets.In a new Cochrane review, an independent team of review authors led by Katherine Gleave and Natalie Lissenden at LSTM assessed the efficacy of insecticide-treated nets (ITNs) with added piperonyl butoxide (PBO). This chemical works by blocking an enzyme in the mosquito that prevents pyrethroids from working, to overcome the problem of insecticide resistance.Related StoriesEngineers crack the code to quickly diagnose anti-malarial drug resistanceScientists identify malaria’s Achilles’ heelGM fungus kills 99% of mosquitoes in Malaria-endemic region of AfricaLSTM’s Professor Hilary Ranson is senior author on the review. She said: “We have to find a way to maintain the efficacy of ITNs, which have been a cornerstone of vector control. While these nets are more expensive, the evidence shows that in areas where pyrethroid resistance is high, adding PBO to nets killed more mosquitoes, stopping them from feeding on people and probably reducing the levels of disease.”The review author team looked at results from 15 included studies that compared pyrethroid-PBO nets to standard pyrethroid nets, with one study measuring the impact on malaria infection in humans and the others looking at the impact on the mosquito population. The results show that while there is little or no difference in areas where resistance to pyrethroid is low or moderate, the nets had an impact where resistance was high. One trial carried out in an area at high levels of resistance also showed an important reduction in the number of people developing malaria illness. As ITNs are washed throughout their use, the review team also looked at the impact of washing these pyrethroid-PBO nets. While there was still a decrease in mosquito blood feeding success, the effect on mosquito mortality was not so marked when nets were washed multiple times, which would be important when considering community-level protection.Professor Ranson continued: “Researchers are working hard to reduce the impact of insecticide resistance, but our review is the first to look at ‘next generation nets’. While there is more research to be undertaken, we think that the results help show the value that these nets represent and supports the WHO’s recommendations for pyrethroid-PBO nets.” Jan Kolaczinski, Coordinator of Entomology and Vector Control at WHO’s Global Malaria Programme, supports this statement noting that “systematic reviews, such as the one on pyrethroid-PBO nets, provide a crucial underpinning of evidence-based WHO recommendations and guidelines. We greatly appreciate the important contribution to WHO’s work made by the Cochrane Infectious Diseases Group in this area.”
Explore further Credit: CC0 Public Domain Social media has become a useful tool for the rapid dissemination of information. Writing in the International Journal of Emergency Management, a UK team describes their investigations into whether or not the likes of Twitter can be integrated effectively into emergency management. Citation: Tweeting in an emergency (2019, January 29) retrieved 17 July 2019 from https://phys.org/news/2019-01-tweeting-emergency.html Provided by Inderscience More information: Sophie Parsons et al. Social media in emergency management: exploring Twitter use by emergency responders in the UK, International Journal of Emergency Management (2019). DOI: 10.1504/IJEM.2018.097360 Social media is transforming emergency communications, study says Sophie Parsons and Mark Weal of the Web and Internet Science Group, at the University of Southampton, Nathaniel O’Grady of the Humanitarian Conflict Response Institute, at the University of Manchester, and Peter Atkinson of the University of Lancaster explain that at the moment integration remains ambiguous. The team has used the winter floods of 2013-2014 as a case study to reveal the pros and cons of social media in this context.The team found that emergency responders were wont to post cautions and advice during an emergency. However, it seems from their results that information about structures and utilities affected by any given incident would be most likely to engage and be of use to the public. Moreover, the team found that responders do perceive social media as a useful tool for them to effectively deliver information to the public. However, while that might be the case, responders did not appear to fully exploit it in the emergency studied.The team concedes that before they can say whether or not social media is an effective tool for emergency management, there remain several questions about how it might fulfill a useful role for emergency responders and the public that rely on them during an incident. Uppermost among those questions are: Who are the responders’ followers on social media? Are the responders actually reaching the public in emergency situations? Do the public find the responders’ social media activity useful in an emergency? What do the emergency responders actually gain by having a social media presence? If future research can answer these questions then we might be in a position to make the most of social media in the event of an emergency. 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.
Singapore Airlines says the cameras on its latest inflight entertainment systems have been disabled Singapore Airlines insisted Thursday that cameras on its planes’ entertainment systems had been disabled after an outcry online from worried passengers who spotted the tiny lenses peering at them. Citation: Singapore Airlines denies snooping with seatback cameras (2019, February 21) retrieved 17 July 2019 from https://phys.org/news/2019-02-singapore-airlines-denies-snooping-seatback.html Travellers took to Twitter and other social media to raise the alarm over the cameras at the bottom of seatback screens on a number of the Singapore flag carrier’s newer aircraft.”Just found this interesting sensor looking at me from the seat back on board of Singapore Airlines. Any expert opinion of whether is a camera?” passenger Vitaly Kamluk tweeted.His tweet was accompanied by photos of the monitor with the embedded camera.Another passenger urged the airline in a tweet to “notify all your passengers and get their consent, particularly EU residents, that you are doing this, why, what are you doing with the data and how long you keep it”.The airline confirmed that some of its latest inflight entertainment systems did have fixed cameras—but assured passengers that they had been disabled.”These cameras have been intended by the manufacturers for future developments. These cameras have been permanently disabled on our aircraft and cannot be activated on board,” the airline said in a statement.”We have no plans to enable or develop any features using the cameras.” Explore further Singapore Airlines to offer inflight wifi © 2019 AFP 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.
regional elections SHARE SHARE EMAIL November 23, 2018 COMMENTS COMMENT Rajasthan A tribal family near Jharol in Rajasthan – AM Jigeesh Tribals are migrating to cities and neighbouring States in search of jobs Parvat Singh and Prakash, two teachers at a village school in Jhadol, a tribal majority taluk in Udaipur, are facing a peculiar problem. The upper primary school had a good number of children but of late the drop-out rate has increased. “The reason is that many parents have migrated to cities in Rajasthan and Gujarat in search of jobs. Children are forced give up education to look after their grandparents. We are going to their homes to convince them that leaving school will be a bad decision,” they told BusinessLine.Increase in migrationMigration is not new in this part of Rajasthan, bordering Gujarat. But local people said stopping work under MGNREGA and delaying wages has resulted in an increase in migration. The BJP is thus facing the anger of the tribals in the region, who provided them handsome support to come to power in the State in 2013 and at the Centre in 2014. “For the last three years, I haven’t got even a day’s work under MGNREGA. I used to get at least 10-days’ work a month. But it has been stopped,” said Keshu Lal from Amlia village.Thawar Chand, another tribal youth from Jamun village, had to go to Gujarat in search of jobs. “I was in Gujarat in the last two year. Now I have to go to Udaipur in search of work. Agriculture has become difficult as this area faces water scarcity. Government should know our problems,” said Chand, a BJP supporter.Shankar Lal Pargi, a two-time elected president of Falasia panchayat, is contesting the election on a CPI(M) ticket. Though he is not very confident of his victory, he said his fight is to ensure basic infrastructure. “The BJP stopped MGNREGA saying it was a concept of communists. Our people do not have a regular income now. The BJP promised it will build infrastructure, but did nothing. We do not have good roads, hospitals and schools,” he said.Bhil or Gharasia tribes constitute most of the population in the district, which stood with the BJP in 2013. Out of the eight seats in Udaipur, five are reserved for STs. The BJP won six seats in 2013 and the Congress secured just one in Jhadol, while Vallabnagar went to an independent candidate. The BJP got a huge support from the tribal community in the State in 2013.Kishan Lal, a Congress leader and former president of Rajsamand district parishad, said the BJP won the confidence of tribals in 2013 by making false promises. “The situation has changed now,” said Lal, a a tribal himself. “We will win here as people are fed up with the BJP,” he claimed.What tribals faceMandva village is a tribal habitat in the area. “We take drinking water from the same pond used by animals. We have to walk two kilometres from our homes to get drinking water. We have made complaints but no one has addressed it,” said Lakshman and Nathu of Mandva. Both had come to Flasia on their way to Udaipur in search of a job. “Under MGNREGA, we did basic works such as laying pipes for drinking water. It hasn’t moved in the last four years,” they added.There have been struggles in the past for implementing the Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act of 2006. “It has been 12 years, but just less than 25 per cent of the tribals have got their land rights. The government has not given support for their vocations such as agriculture or cattle rearing. Doing away with MGNREGA was huge blow for them. People don’t have even two times’ meal in some of the tribal localities,” said Rajesh Singhvi and advocate fighting for tribal rights. Published on SHARE rural development
Ashraf Wani SrinagarJuly 11, 2019UPDATED: July 11, 2019 20:42 IST Body of Abid Ahmad Sheikh being handed over to the Pakistan Army. (India Today file photo)The dead body of a seven-year-old boy, which was was fished out from Kishanganga River near Achoora Sindiyal area in Gurez Valley of Jammu and Kashmir, was on Thursday afternoon handed over to the Pakistan Army. The boy’s body was handed over to the Pakistan Army via Chorwan Border in Gurez sector of Bandipora district.Body of Abid Ahmad Sheikh of Minimarg Astoor area of Gilgit Balochistan was recovered from Kishanganga River in Gurez near the Line of Control (LoC). Sources said that he had gone missing while travelling to school. They say that the boy slipped in a tributary of Kishanganga River.A senior police official told India Today TV that the dead body of Abid Ahmad Sheikh, son of Nazir Ahmad Sheikh, was handed over to Pakistan authorities at Chrowan border point along the LOC in north Kashmir’s Bandipora district.Earlier, the Pakistan Army had refused to take the body despite repeated attempts from authorities on this side. On Tuesday, a video message was accessed wherein the family members of the deceased were seen appealing Prime Minister Imran Khan to help them in bringing the body of their son.The Kishanganga River flows from Gilgit-Baltistan in Pakistan occupied Kashmir where it is known as Neelum River and then passing through parts of Kashmir, it flows back in the PoK.Also Read | Govt dismisses al Qaeda threat of unrelenting blows to India, says can’t take them seriouslyAlso Watch | Watch: Surgical strike general exposes Pakistan’s terror at LOCFor 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 byChanchal Chauhan Next Body of boy who drowned in PoK handed over to Pakistan ArmyBody of Abid Ahmad Sheikh of Minimarg Astoor area of Gilgit Balochistan was recovered from Kishanganga River in Gurez near the Line of Control (LoC).advertisement