Top Stories Arizona Cardinals running back Jonathan Dwyer was released from the Fouth Avenue Jail in Phoenix just before 5:00 a.m. Thursday morning, about 12 hours after he was arrested on charges of aggravated assault against his wife and 18-month-old son.The two incidents took play on July 21-22. Police Sgt. Trent Crump said Wednesday both were physical altercations. In the first, Kayla sustained a fracture. In the second incident, Dwyer allegedly threw a shoe at the couple’s 18-month-old son. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact Derrick Hall satisfied with D-backs’ buying and selling Comments Share Dwyer’s wife and child left Arizona shortly after the incidents.The 25-year-old player posted a cash bond of $25,000. While leaving the facility, a media member asked Dwyer if he had thrown a shoe at his young child. “I would never hurt my son,” he replied.When asked if he would play football again, Dwyer responded simply “I will.”Dwyer was deactivated from team activities by the Cardinals Wednesday, just four days before their home game against the San Francisco 49ers at University of Phoenix Stadium. Former Cardinals kicker Phil Dawson retires
Sky will launch a new Roku-powered Now TV box later this year, giving users access live linear TV channels for the first time, alongside on-demand content.The revamped, hybrid set-top box will let Now TV customers access more than 60 live, free-to-air TV channels – as well Now TV’s on-demand packages of content and other web-powered services like the BBC iPlayer, All 4, YouTube, Facebook and Spotify.Sky will be the first company to deploy the Roku-produced box, which will also be available to other operators as part of the ‘Roku Powered’ partnership programme.Roku’s vice president of pay TV, Andrew Ferrone, said that the new set-top will allow operators to “bridge the gap between linear broadcast and streaming TV services”. Gidon Katz, director of Now TV, added the device will be a “one-stop box to get a contract-free, flexible way of watching the best of pay TV and free-to-air content all in one place.”Customers using the current generation of Now TV box will get a new user interface from February, which will include a new homepage and editorial recommendations of what to watch on Now TV.Separately, Sky announced today in its fiscal second quarter results that it will launch a new Sky+HD box in Germany and Italy later this year, featuring updated features and technology.“The box will be compatible with Sky Q functionality, giving our customers the ability to access Sky Q features,” said Sky.In the UK and Ireland the new, advanced Sky Q TV service will launch in February and will sit alongside Sky+HD and Now TV as one of three products available to customers.Announcing pricing details today, Sky said that set-up costs for Sky Q will start at £99 and the typical monthly cost for Sky+ customers will be “around £12 [€16] extra compared with their current Sky+ package.”For new customers joining Sky, the ongoing monthly cost for the Sky Q bundle will be £42. A Sky Q Silver bundle – which lets users watch Sky TV in more rooms, stream to more tablets and record and store more content – will cost £54 per month. Adding Sky Movies will cost £17 extra per month, Sky Sports will cost £25.50 extra and both together will cost an added £34.50.“The launch of Sky Q will redefine our top-end TV experience and extend our market-leading portfolio of products to serve the needs of every customer,” according to Sky group CEO, Jeremy Darroch.Sky first unveiled its Sky Q home entertainment system at a launch event in London in November. Sky Q lets viewers pause content on one TV screen and pick up in another room, save recordings onto a tablet to watch anywhere, and watch different programmes on up to five screens simultaneously whilst also recording four other channels.Sky Q is also Ultra HD-compatible, with Sky planning to launch “the UK’s most comprehensive Ultra HD service” later this year.
In This Issue.*Currencies carry rally throughout Wednesday. *A$ trades though 200-DMA! *Canadian economic data continues to be strong. *Putting the kyboshes on a Swedish rate cut!And, Now, Today’s Pfennig For Your Thoughts!Cheap Currencies Don’t Guarantee Strong Exports!Good day. And a Tub Thumpin’ Thursday to you! How was your Wonderful Wednesday? I went to the Cardinals NLCS Game, and after sitting out and waiting 3 ½ hours of a rain delay, (which began in the 7th inning) was rewarded with a 3-1 victory. So, not too shabby. But. a late night for me on a school night for sure. So, I seem to be running late this morning for some reason, but don’t worry, I’ll try to make up the time in the air!Well. the Currencies continued to push the envelope VS the dollar yesterday. The Aussie dollar (A$) was really kicking sand in the face of the U.S. dollar yesterday, gaining over 1 full cent on the day! So. all those traders that sold their A$ futures in the past two weeks, are piling back in, I bet! The euro stalled out just above 1.31. But the rest of the “little dogs” were off the porch and chasing the dollar down the street.But that was yesterday, I had the world in my hands, But it’s not the end of my world, just a slight change of plans. Ooops! I don’t know what starts these fat fingers down these lyric roads, but here I am doing it again! But seriously. That was yesterday. and some of the currencies are still gaining VS the dollar, and some have stalled out. for they need the Big Dog, euro, to run with them, and like I said above, the euro stalled out just above 1.31.The A$ blew right through its 200-day moving avg yesterday, and touched $1.04 this morning. The latest push coming from economic news coming out of China. I told you yesterday, that China’s 3rd QTR GDP was due to print, and print it did! The Chinese economy expanded 7.4% in the 3rd QTR VS a year ago. The consensus was for a 7.4% increase, but I was hoping for a little more as I told you I thought it would be around 7.8%… (and it was +7.8% “Real GDP, whatever that is!) But that wasn’t all for China.Chinese Industrial Production, and Retail Sales also printed strong numbers for September, thus indicating that China’s economy has turned the corner on its Gov’t generated slowdown. If you’re keeping score at home, Chinese Industrial Production gained 10% in September, and Retail Sales grew at a 14.2% clip. Now that’s strong! And if you only want to believe ½ of what the Chinese report, the 7.1% increase in Retail Sales is still cooking with gas!So. the risk sentiment is strong. except with Gold & Silver. These two have been left behind at the station, and the Love Train carrying the currencies has departed. This improved risk sentiment, is not playing well with the U.S. Treasury yields. The 10-year Treasury’s yield has risen to 1.80%… (just a couple of weeks ago it was 1.64%) and remember, when the yield rises in a bond, the bond’s price goes down. But we’ve seen these moves higher in yields before, and every time, the Fed steps in and squelches any attempt to take yields even higher. The bond markets used to be able to direct yields. But with the Fed buying as much as they can these days, remember they participated in 61% of the Treasury auctions last year, there’s not much the bond markets can do. Although I would still love to see them try!In Sweden overnight. an article in a Swedish newspaper, really threw cold water on the markets’ thoughts that the next move in rates would be down. Sweden’s Central Bank, The Riksbank, and the Riksbank Gov. Ingves was in the news. In and interview for the newspaper, Ingves warned that household and corporate indebtedness must be considered when setting rates. These words were like a dagger in the heart of the rate cut campers, and the Swedish krona rallied! The Riksbank meets next week, and I would bet a dollar to a Krispy Kreme that the Riksbank would leave rates unchanged at that meeting. That would be good for the krona. But remember, the krona, the Norwegian krone, and Danish krone, all need the euro to push against the dollar for these to move higher. For now that is. I keep telling you time and time again that one day, the markets will wake up and smell the coffee. the coffee that says these countries fundamentals are not Greece, Portugal, and so on. But until then, they get tarred with the same brush as the euro.Remember yesterday when I was talking about the Canadian dollar / loonie and saying that the fundamentals there continue to be strong, and that’s why the markets keep the loonie above parity, even though the Canadian Gov’t and Central Bank don’t like it one iota? Well. more strong data has printed in Canada. Take Canadian Manufacturing, was rose at a faster than expected clip of 1.5% in August. And then here’s something that the Canadian Gov’t and Central Bank are going to have to stop and think about. Exports are up in Canada. Even with the stronger than parity loonie! Look. let me set this straight for Mr. Carney (Bank of Canada Gov.). if you have items/ stuff, that other countries demand, the price of your currency isn’t the “all-in” of everything that goes into the valuing of the export. You can ask the Germans about this. Yes, they would love to see the euro around 1.20. But, when you make things of value, and they are in demand throughout the world, you can live with a stronger currency. There’s no need to go jimmying the currency’s value lower so your exports can be more competitive. this goes out to all the other Central Bankers that are trying this debase your currency so exports are more competitive game. HEY! Make something of value, and you don’t have to jimmy the price of the currency lower!The news out of the Eurozone continues to have a calming effect. But an article in the Financial Times (FT) just might begin to stir things up. The FT reported that “plans to create a single euro area banking supervisor (the European Central Bank / ECB) are illegal. The FT claims that they obtained a secret legal opinion for the European Union Finance Ministers. I would say that this probably has a lot to do with the stalling out of the euro this morning.I think, as we go along here, that there will many of these seemingly setbacks. But, as long as the Eurozone Leaders keep their heads down, and keep working toward a resolution of their debt problems and bond yield problems, that things on the “other side of all this” will be better.At least they are trying something! And maybe they’ll be wrong, and have to go back to square one, but at least they tried! Here in the U.S. it’s just carry on and keep piling up debt. I know you all are tired of hearing me harp on about our ever-increasing debt. But, unless someone does something about it, we have to keep this in our sights, so we aren’t standing there holding the bag, when the you know what hits the fan!And with that. my TTWS story today is from our former General Accounting Head, David Walker, who has taken his thoughts across the country, and put them in a book. But, just for you, dear reader, we’ll have David Walker talk to us today. So, let’s go to the Big Finish!Then There Was This. from Moneynews.com. “The overwhelming majority of Americans feel fiscal reform should take priority this election season, though few expect it to happen, said David Walker, former Comptroller General of the United States and current CEO of the Comeback America Initiative, which promotes fiscal reform and responsibility.Walker recently concluded a “$10 Million a Minute Tour” bus tour, named after the speed at which unfunded promises are climbing, and reached out to Americans in 16 states and the District of Columbia to convey to largely undecided voters issues surrounding fiscal reform in the country.“We found out 97 percent of the people we interacted believe our fiscal challenge is a major challenge and should be a top priority for the presidential candidates as well as other candidates for office, yet only 8 percent have confidence in their ability to work together to get something done in 2013,”“Eighty-five percent believe that it’s going to take a combination of spending reductions and additional revenues to get the job done. We talked about reforms in eight different areas, including social insurance programs, taxes, defense, budget controls, political reforms – the minimum support we got for the reforms was 77 percent.”Chuck again. OK. so more people in the country are realizing that going from $15 Trillion in debt to $16 Trillion in just 10 months is getting out of hand. But, I have to think that those calling for spending reforms, are not the ones receiving the payouts from the Gov’t. And then the biggest thing here is the question. “will lawmakers listen to the voters?” I doubt it. but there’s always a chance, right?To recap. The currency rally continued throughout the day Wednesday, and in the overnight markets, but left some currencies behind, as their respective rallies stalled out. The euro stalled out, probably on a story in the FT about a plan to give the ECB more power is illegal. Canada continues to print strong economic data, in spite of a stronger than parity loonie, and the A$ rallied back to $1.04 overnight, before giving up some of that gain this morning, probably on profit taking.Currencies Today 10/18/12. American Style: A$ $1.0385, kiwi .8210, C$ $1.0220, euro 1.3105, sterling 1.6135, Swiss $1.0840, . European Style: rand 8.6365, krone 5.6210, SEK 6.5365, forint 211.60, zloty 3.1345, koruna 18.8765, RUB 30.75, yen 78.35, sing 1.2175, HKD 7.7505, INR 53.41, China 6.2460, pesos 12.80, BRL 2.0305, Dollar Index 79.14, Oil $92.15, 10-year 1.80%, Silver $33, and Gold. $1,742.85That’s it for today. I was startled this morning, as I arrived at the office, I turned on the lights, and voice said, “Good morning, Chuck” Whoa! I’m always here by myself in the morning! But one of our Wealth Mgt. gurus, Joseph, was here working, and startled the heck out of me! Whoa! My heart can’t handle that stuff! HA! So, our Big hitter, goes out of the game in the first inning, and the guy that replaces him hits the game winning 2-run home run! He crushed it! Talk about a good replacement! The Cardinals rarely beat S.F’s Matt Cain, so that was a good game. My dad told me years ago, that in these series, the odd games are the most important. and we have won both odd games so far. Well, I made up the time in the air, and got you to your destination on time, but, now we have to wait for a gate to open up! HA! I hope you have a Tub Thumpin’ Thursday. I need to go back to sleep!Chuck Butler President EverBank World Markets 1-800-926-4922 www.everbank.com
The easiest way to turn your kids into geniuses, by the time they’re seven, is just to front-load huge amounts of experience, including dangerous experience. Like Gatto, I believe that the real dangers for your children lie in government schools, and even in private schools that function on the same model. Here’s what Gatto says on the subject: Growth and mastery come only to those who vigorously self-direct. Initiating, creating, doing, reflecting, freely associating, enjoying privacy—these are precisely what the structures of schooling are set up to prevent, on one pretext or another. Yes, I understand that people are pushed, economically, to put their children into public schools. If you feel like you’re in that position, make sure that you tell your children how the system is set up to condition them. Teach them that understanding is far more important than memorizing. Back them up if the teachers give them grief. Let people talk about you. Your children should understand, very clearly, that teachers and principals are just average people doing particular jobs; that they are merely another neighbor to the people on their street. Some of them are good people, others are bad people, and a title is just a title – it means nothing more. Teach your children to be bold, let them learn how to fall and rise again. Of course you want to let them encounter dangers slowly, and you’d never put them in positions to get truly hurt, but you should be nothing like the über-parents who surveil their children’s every move, in terror that poor little Johnny will encounter something that hasn’t been sanitized for his protection. I’ll leave you with one last quote from John Taylor Gatto: something that applies both to schooling and the larger world: After a long life, and thirty years in the public school trenches, I’ve concluded that genius is as common as dirt. We suppress our genius only because we haven’t yet figured out how to manage a population of educated men and women. The solution, I think, is simple and glorious. Let them manage themselves. Resist the fear, my friends. Paul Rosenberg FreemansPerspective.com One of the worst things that has been done to children over the past generation or two has been insulating them from anything that could possibly have any danger attached. Parents keeping their children under permanent watch has become “what people do.” And it’s a BIG mistake. I know why the parents have done this, of course – we live in a fear-based culture, and it has rubbed off on them. But the reason they have caved in to fear is not important – what matters is that they have harmed their children. Children – at some point in their upbringing – need to confront danger; they need to explore; they need adventures. At one time, parents knew this. It wasn’t too many years ago when parents let their kids go off into the woods by themselves, with rifles. If that was really so horribly dangerous, half of us wouldn’t be here. Is it scary to watch your children walk into a subway station? Or out into the woods? You bet it is! But you have to do it anyway. Calculate the risks, pick your times, pick your spots, watch them from a distance if you must, but let them go out and face the world. Remember, fear is merely an impulse, and it can be based on lies, distortions, or even on nothing at all. It’s a crazy thing on which to base your children’s lives. A new German study shows clearly that adventure shapes the individual. As one of the researchers concluded, “Living our lives makes us who we are.” Your children need to live, and not merely exist inside of a fear-inspired bubble. The study also indicates that exploration and adventure not only affect personality development, but also brain growth. I’m not alone in this opinion, of course. Here are two quotes from John Taylor Gatto, a home school advocate and one of the finest teachers of modern times (one of the most awarded too, ironically enough): Sensible children do not wish to be incomplete human beings. And so, when you impose a stage theory of human development upon them, you are, in effect, tormenting them; you’re limiting their opportunity… Don’t be your kid’s enemy, because that’s not a kid, that’s your fellow human being. Be a partner, and enlarge their opportunities.
National Oceanic and Atmospheric Administration experts spoke Thursday at the National Water Center in Tuscaloosa about potential historic spring flooding. This was the first time the team led their efforts from Tuscaloosa.Director of the National Water Center Ed Clark said that unfortunately the violent storms, dangerous winds and heavy rain are far from over.“The major flooding that we have already experienced across the lower Missouri and to the lower Mississippi Valley is a preview for what we expect through the rest of the spring. In fact, we expect flooding will get worse and more widespread in the coming months,” Clark said.NOAA’S spring flood outlook helps people prepare for flood threats. 200 million people across the US are at risk for minor flooding, 40 million for moderate and 13 million for a major flood event.Director of Office of Water Prediction Thomas Graziano said Alabama is one of the states at risk.“If we get any more events which I’m sure we will during the course of the spring, where we get significant rainfall we’re going to see significant runoff, elevated flows. And if we get enough rainfall and runoff we’re going to see additional flooding,” GrazianoThe upcoming rainfall may cause a potentially historic spring flood threat.Director of National Water Center Darone Jones said floods may be the worst Alabama has seen since 1993.“It’s been an above normal, greatly above normal, precipitation year here. Just looking back at the end of February we had 6 to 10 in of rain through parts of Mississippi, Tennessee and Alabama,” Jones.NOAA and the National Water Center want to make sure everyone stays safe.“Just being vigilant and being prepared. Because it’s not a matter of if it’s a matter of when,” Jones said.Ed Clarks recommends monitoring flooding conditions in your area at water.weather.gov.
When Angela Huntington arrived at work on a Wednesday morning in early October, she had to do something she dreaded: turn patients away.Huntington is the manager at the Columbia Health Center in Columbia, Mo., a Planned Parenthood site that recently had to halt its abortion services in the midst of a highly publicized legal fight in the state. Since another Missouri law requires a 72-hour waiting period between counseling about abortion and having the actual procedure, Huntington needed to call every patient on the day’s schedule. She told them they could come to her clinic for the counseling but would have to go elsewhere for the abortion.The only other place in the state that they could turn to for an abortion was in St. Louis, a two-hour-drive away.Many patients didn’t pick up the phone. When they arrived, Huntington says, some were in tears after learning they had driven hours to Columbia to find that the clinic would no longer be able to perform the procedure. “They’re already in a tough spot, and then you go and have to tell them this information. It’s just heartbreaking,” Huntington says. “This is their health. This is their well-being. It’s an emotional thing for them.”The battle over abortion rights in Missouri has drawn national attention in recent weeks, after a federal court ruled that two state laws limiting abortion access should stand. One law requires abortion providers to obtain privileges to admit patients to nearby hospitals. The other requires clinics to meet criteria that designate them as outpatient surgical centers. Together, these rules have forced all but one Planned Parenthood health center in the state — the one in St. Louis — to stop offering both medical and surgical abortions, according to Emily Miller, a spokesperson for the organization. And, abortion-rights supporters in Missouri say, their state is an example of the kind of “abortion desert” that could become more widespread if the Supreme Court overturns Roe v. Wade.”Columbia is a microcosm of what is happening [nationwide],” says Kristin Metcalf-Wilson, the lead clinician for Planned Parenthood Great Plains, a group of clinics that includes the Columbia facility. Similar laws — which abortion-rights advocates call “targeted regulation of abortion providers,” or TRAP laws — are in place in 24 states. If Roe is overturned, Metcalf-Wilson says, they are likely to proliferate, since Roe is the legal precedent that many judges turn to when invalidating the TRAP laws. For instance, a 2016 Supreme Court decision overturned a TRAP law in Texas on the basis of the rights established in Roe. “People don’t just create their own legislative ideas,” Metcalf-Wilson says. “If we allow this to happen in Missouri, it will happen other places.”And that means continued legal battles and on-the-ground activism for advocates on both sides of the abortion debate. Emily Wales, the general counsel at Planned Parenthood Great Plains, says her team has ongoing litigation against the federal court’s ruling in addition to several other laws that make it harder for Planned Parenthood to provide abortions in the state — and is awaiting the court’s response. Wales says neither the admitting privileges requirement nor the ambulatory surgical center requirements are necessary, since abortion is widely considered a safe procedure. “Providing abortion care in Missouri really is complex and it involves so many different restrictions,” Wales says. “The science remains the same no matter what the restrictions are, and the need for care also remains the same no matter what the restrictions are.”Abortion-rights opponents say the rules help ensure patients have an adequate safety net in place in the case of an emergency. The state’s attorney general’s office said in a written statement it plans to “continue to vigorously defend Missouri’s commonsense regulations that protect women’s health and safety.” Anti-abortion-rights leaders in Columbia are feeling galvanized by the latest legal ruling, after working for years for this outcome, but they also say their work in the city isn’t done. “As long as Planned Parenthood is open in Columbia, we’ll still be there offering our services,” says Kathy Forck, a director of the Columbia chapter of the 40 Days for Life campaign. “We started praying there, and we were starting to see that we were helping women to choose life.”Forck and her fellow activists have been holding daily prayer vigils on the sidewalk in front of the clinic. She says her group suggests to people walking into Planned Parenthood that they instead go across the street to the My Life Clinic, a prenatal clinic affiliated with the anti-abortion-rights Life Network of Central Missouri. The My Life Clinic did not respond to requests for comment. Grassroots organizing is central to the anti-abortion-rights cause, Forck says. She says sympathetic people often approach her when she is wearing shirts or pins around Columbia supporting her cause. And she maintains a local email list with 12,000 names on it. During the 40 Days for Life protests, Forck says, “people go by and give us thumbs up, they honk, they give us hot chocolate if it’s cold.” Planned Parenthood of Great Plains Votes — a political organization affiliated with the Columbia clinic — is also focusing on local activism. Cortney Bouse, a community organizer there, says she is working with University of Missouri students in Columbia to speak out about contraception issues on campus. “Our role is not to tell them what to do but to help and harness their energy,” Bouse says, explaining that their focus is “to try and engage more Planned Parenthood patients and younger people.” Bouse says right now, she is working on getting supporters to the polls for the November midterm election. Her team in Columbia is working on what she calls a “relational voter program,” where activists encourage their friends and family to vote. “We’re in full election mode,” she says.As grassroots and legal battles continue, the clinic in Columbia remains open for primary care and family planning. Huntington, the clinic manager, says her staffers felt frustrated when they had to stop offering abortions, but they see this latest setback as nothing new. The clinic has been the subject of several years of legal battles, protests and counterprotests. “We’re warriors together,” Huntington says. “We’re here to fight the fight and keep these doors open.”Mara Gordon is a family physician in Washington, D.C., and a health and media fellow at NPR and Georgetown University School of Medicine. Copyright 2018 NPR. To see more, visit http://www.npr.org/.
Image credit: Pattanaphong Khuankaew/EyeEm | Getty Images Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. Freelancers want laws that promote more flexible working conditions, a more equitable tax system and higher wages. –shares Journalist, Digital Media Consultant and Investor New Study: Health Care Is Freelancers’ Biggest Concern Next Article VIP Contributor 4 min read Opinions expressed by Entrepreneur contributors are their own. Register Now » Health Insurance Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals Add to Queue John Boitnott A just-released research report from Fiverr finds more than 40 percent of freelancers see health insurance as the most pressing issue they’re facing leading up to the 2018 midterm elections, while 41 percent of “side hustle” freelancers say benefits is a key reason why they maintain a full-time job.The online freelance platform interviewed more than 1,200 freelancers for “The Freelance Political Perspective Report.” Freelancers answered a series of questions on unique challenges they face as well as various political issues that affect them.Related: Single-Payer Health Insurance Could Help Would-be Entrepreneurs Quit Their Jobs to Pursue Their DreamsFreelancers and non-freelancers agree and disagree on major issues.According to the report, freelancers share many of the same views as their fellow U.S. citizens who do not freelance. About 34 percent of freelancers said their financial situation is getting worse, while roughly the same percent of the overall adult population feels the same, according to a Harvard-Harris poll from June. About 31 percent of freelancers said their financial situation is getting better, similar to that of their non-freelance peers.Freelancers and non-freelancers disagree much more than that in other areas, especially healthcare. While more than 40 percent of freelancers say healthcare is their biggest issue, a little less than one in three people among the general population agree. Interestingly, only 34 percent of freelancers said the country is heading in the right direction, while 39 percent of typical adults say it is.Freelancers also hold some other strong opinions that differ starkly from the general population:Freelancers are more likely to show support for the Affordable Care Act (ACA) (54 percent vs. 44 percent)Support for a single-payer healthcare system (59 percent vs. 48 percent)Increased funding of healthcare for low-income individuals (75 percent vs. 58 percent)Related: Freelancers Will Soon Be Able to Buy Short-Term Disability Insurance Through This StartupFreelancers want greater access to “portable benefits.”Freelancers want to take their benefits wherever they go. Eighty percent of freelancers surveyed say they don’t think the government is doing enough to support flexible working with portable benefits. Eightyfive percent say it’s important to keep benefits without them being tied to a job. Fortyone percent of “side hustle” freelancers say they hang on to traditional jobs just to keep the benefits, rather than move to full-time freelance status.As the Open Enrollment period for the ACA recently arrived, Fiverr and Postmates partnered on a digital ad campaign to encourage workers to sign-up for healthcare coverage. Both companies want to provide their freelance pool with beneficial resources and assist them in making informed decisions.The companies also worked with Small Business Majority, a national small business advocacy group, to conduct webinars about healthcare plan options. Postmates is also conducting its own trial health savings account program for workers in partnership with Starship HSA.Related: Empowering Entrepreneurship Begins With Affordable Health CoverageFreelancers appear to support more progressive policies.In general, freelancers expressed a desire to change the tax system more than the general population. They believe the rich should carry a greater portion of the country’s tax burden.Sevetyfive percent support reforms to provide tax breaks to individual companies to help keep jobs in the US. Seventyfive percent support raising taxes on the rich, and 74 percent support raising the minimum wage. These types of changes could provide freelancers with more financial stability and additional income they can apply to savings or retirement.Freelancers also expressed broad support for additional protection against sexual harassment, as well as greater access to continued education programs and resources.Related: 3 Things to Know About Buying Health InsuranceIf you want to know where the opinions and desires of the average American may be headed, look no further than freelancers. They now number more than 53 million. They’re set to represent 40 percent of the workforce by 2020, according to an Intuit report.As more people move away from working full-time and go freelance, desires for adequate access to healthcare and a higher minimum wage will only increase.A fascinating finding of this report is that around 25 percent of freelancers are undecided on which way to vote. That equates to roughly 14 million votes. Smart politicians will look at that and realize the benefits of helping this population. Freelancers want laws that support more flexible working conditions, a more equitable tax system and higher wages. Who’s going to step up and give it to them? November 6, 2018
advertising measurementAttribution Data CloudC3 MetricsLauren LannanMarketing Technology NewsNews Previous ArticleGround-Breaking Privacy-First Marketing Platform MiDATA.io Welcomes Jason Voiovich to Advisory BoardNext Article6sense Secures $27 Million to Advance Bold Vision in B2B and ABM C3 Metrics Welcomes Lauren Lannan As Director of Product Management PRNewswireApril 16, 2019, 5:49 pmApril 16, 2019 Pandora & Accordant Media Vet to Drive Accreditation and Product Advancement for Cross-Channel Measurement ProviderC3 Metrics, the global leader in cross-channel advertising measurement and accountability, announced that Lauren Lannan has joined the company as Director of Product Management.With eight years in the AdTech industry, Lauren’s extensive experience of building products and teams spans from Dentsu’s Accordant Media to Pandora. Lauren joins C3 Metrics from Wagz, where she was Digital Marketing Director. Prior to Wagz, Lauren was Senior Manager, Ad Platform Management, at Pandora, where she operated as a liaison between product, sales and engineering to develop and implement the go-to-market plan for Pandora’s audio, video and display advertising products. During her time at Accordant Media, Lauren launched Accordant’s West coast media analyst team and managed the development of custom programmatic marketing campaigns for clients that included Zipcar, Care.com and GrubHub. Throughout her career, Lauren led the research and development of automating display, video and audio ad formats via programmatic channels.In her newly created role, Lauren will report to C3 Metrics’ Chief Operating Officer and Co-Founder, Jeff Greenfield, and lead several key projects for the company that focus on current and future accreditation of the Attribution Data Cloud. Additionally, she will drive the C3 Metrics product roadmap to include new features – such as the C3 Metrics Attribution API – and lead partner integrations like C3 Metrics’ recently announced Attribution CRM partnership with Havas Helia.Marketing Technology News: Pitney Bowes and Accenture Team to Help Clients Take Advantage of Intelligent, Data-Driven Solutions“We’re excited to have Lauren join our team,” said Jeff Greenfield. “Lauren’s deep expertise in the technology sector will be a tremendous asset for our customers as we advance our cross-platform attribution offering and continue to expand our capabilities through new features and partnerships.”“C3 Metrics’ position as a leader in attribution, as well as the founders’ commitment to advancing the advertising industry truly connected with me,” said Lauren Lannan, Director of Product Management at C3 Metrics. “I look forward to driving the industry forward with new products and partnerships for the C3 Metrics Attribution Data Cloud.”Marketing Technology News: Elastic Stack 7.0 Now AvailableLauren is the first of several senior leadership hires at C3 Metrics to be announced this year. Additional new appointments, spanning the organization’s Finance, Analytics and Customer Success teams, will be announced in the coming months.Marketing Technology News: CleverTap Scoops $26 Million Funding; Focused at Driving Innovation in Customer Lifecycle Management Technology
Reviewed by James Ives, M.Psych. (Editor)Jul 10 2019Sun safety practices for attendees at skin cancer screening events differ from the general public, according to findings published by researchers from the George Washington University (GW) Cancer Center. The study was published in the Journal of Drugs in Dermatology.According to the Centers for Disease Control and Prevention (CDC), skin cancer is the most common cancer in the United States. Proper sun safety practices, like wearing sunscreen, seeking shade, and wearing sun-protective clothing are critical to reduce the risk for skin cancers like squamous cell carcinoma, basal cell carcinoma, and melanoma.Through a survey randomly administered at six locations in Washington, D.C., and to attendees of a free skin cancer screening event at GW, a team led by Emily Murphy, a research fellow in the Department of Dermatology at the GW School of Medicine and Health Sciences, found that respondents from the screening group were significantly more likely to always wear sunscreen, always seek shade, and always or sometimes wear sun-protective clothing than the public group.These data suggest that individuals who do not typically attend free screenings may have greater gaps in sun protective knowledge and behavior, highlighting the need to reach these populations through different mechanisms. Survey responses were also analyzed by age and race to identify additional disparities. Participants who identified as white were more likely to always or sometimes wear sunscreen and sun-protective clothing than non-white participants. Patients over 61 years were more likely to always seek shade and wear sun-protective clothing than those younger than 31 years.”These findings highlight the importance of tailoring free skin cancer screening events for non-white and younger populations,” said Adam Friedman, MD, interim chair of the Department of Dermatology at the GW School of Medicine and Health Sciences and director of the Supportive Oncodermatology Clinic at the GW Cancer Center, who also served as senior author on the study. “While free screening events are important, we also have to think about comprehensive, community-based solutions that reach broader demographic populations than skin cancer screenings alone.”Related StoriesNew study to ease plight of patients with advanced cancerStudy reveals link between inflammatory diet and colorectal cancer riskSpecial blood test may predict relapse risk for breast cancer patientsWhite participants in the study reported more blistering sunburns than non-white participants, as well as more indoor tanning uses. However, indoor tanning use was equal among the screening and general public groups, indicating that all patients need to be educated on indoor tanning risks. The Community Preventive Services Task Force, an independent, non-federal panel of public health and prevention experts, recommends multicomponent interventions that combine individually focused strategies, educational campaigns, and environmental or policy changes to influence sun safety behaviors. Other recommendations include education and policy approaches in primary school and outdoor recreation settings. Source:George Washington University This study also highlights the importance of reaching non-white populations with skin cancer prevention messages. We have to address the myth that skin cancer only affects fair-skinned individuals. Skin cancer does not discriminate and therefore we need to encourage sun safety practices among all individuals.”Adam Friedman, MD, GW School of Medicine and Health Sciences
Could a secret ingredient make crumbling concrete a thing of the past? Credit: m_e_mccarron, CC BY-SA Provided by The Conversation Researchers screened a number of fungi looking for a candidate that could help fill concrete cracks. Credit: Congrui Jin As they grow, they’ll work as a catalyst within the calcium-rich conditions of the concrete to promote precipitation of calcium carbonate crystals. These mineral deposits can fill in the cracks. When the cracks are completely caulked and no more water can enter, the fungi will again form spores. If cracks form again and environmental conditions become favorable, the spores could wake up and repeat the process. T. reesei is eco-friendly and nonpathogenic, posing no known risk to human health. Despite its widespread presence in tropical soils, there are no reports of adverse effects in aquatic or terrestrial plants or animals. In fact, T. reesei has a long history of safe use in industrial-scale production of carbohydrase enzymes, such as cellulase, which plays an important role in fermentation processes during winemaking. Of course, researchers will need to conduct a thorough assessment to investigate any possible immediate and long-term effects on the environment and human health prior to its use as a healing agent in concrete infrastructure.We still don’t fully understand this very young but promising biological repair technique. Concrete is a harsh environment for the fungus: very high pH values, relatively small pore sizes, severe moisture deficit, high temperatures in summer and low temperatures in winter, limited nutrient availability and possible exposure to ultraviolet rays from sunlight. All of these factors dramatically influence the fungi’s metabolic activities and make them vulnerable to death.Our research is still in the initial stage and there’s a long way to go to make self-healing concrete practical and cost-effective. But the scope of American infrastructure’s challenges makes exploring creative solutions like this one worthwhile. Self-healing fungi concrete could provide sustainable solution to crumbling infrastructure Explore further We found that as calcium hydroxide from concrete dissolved in water, the pH of our fungal growth medium increased from a close-to-neutral original value of 6.5 all the way to a very alkaline 13.0. Of all the fungi we tested, only T. reesei could survive this environment. Despite the drastic pH increase, its spores germinated into threadlike hyphal mycelium and grew equally well with or without concrete.We propose including fungal spores, together with nutrients, during the initial mixing process when building a new concrete structure. When the inevitable cracking occurs and water finds its way in, the dormant fungal spores will germinate. Citation: Fungi can help concrete heal its own cracks (2018, January 22) retrieved 18 July 2019 from https://phys.org/news/2018-01-fungi-concrete.html Once the spores (left) germinate with the addition of water, they grow into threadlike hyphal mycelium (right). Credit: Congrui Jin, CC BY-ND This article was originally published on The Conversation. Read the original article. Infrastructure supports and facilitates our daily lives – think of the roads we drive on, the bridges and tunnels that help transport people and freight, the office buildings where we work and the dams that provide the water we drink. But it’s no secret that American infrastructure is aging and in desperate need of rehabilitation. My Binghamton University colleagues Guangwen Zhou and David Davies, Ning Zhang from Rutgers University and I have found an unusual candidate to help concrete heal itself: a fungus called Trichoderma reesei.We initially screened about 20 different species of fungi in order to find one that could withstand the harsh conditions in concrete. Some we isolated from the roots of plants that grew in nutrient-poor soils, including from the New Jersey Pine Barrens and the Canadian Rocky Mountains in Alberta. Concrete structures, in particular, suffer from serious deterioration. Cracks are very common due to various chemical and physical phenomena that occur during everyday use. Concrete shrinks as it dries, which can cause cracks. It can crack when there’s movement underneath or thanks to freeze/thaw cycles over the course of the seasons. Simply putting too much weight on it can cause fractures. Even worse, the steel bars embedded in concrete as reinforcement can corrode over time.Very tiny cracks can be quite harmful because they provide an easy route in for liquids and gasses – and the harmful substances they might contain. For instance, micro-cracks can allow water and oxygen to infiltrate and then corrode the steel, leading to structural failure. Even a slender breach just the width of a hair can allow enough water in to undermine the concrete’s integrity.But continuous maintenance and repair work is difficult because it usually requires an enormous amount of labor and investment.So since 2013, I’ve been trying to figure out how these harmful cracks could heal themselves without human intervention. The idea was originally inspired by the amazing ability of the human body to heal itself of cuts, bruises and broken bones. A person takes in nutrients which the body uses to produce new substitutes to heal damaged tissues. In the same way, can we provide necessary products to concrete to fill in cracks when damage happens? 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.
ERICA is an android created by Hiroshi Ishiguro of Osaka University and ATR, specifically designed for natural conversation through incorporation of human-like facial expressions and gestures. The research team demonstrated the updates during a symposium at the National Museum of Emerging Science in Tokyo.”When we talk to one another, it’s never a simple back and forward progression of information,” says Tatsuya Kawahara of Kyoto University’s Graduate School of Informatics, and an expert in speech and audio processing. “Listening is active. We express agreement by nodding or saying ‘uh-huh’ to maintain the momentum of conversation. This is called ‘backchanneling,’ and is something we wanted to implement with ERICA.”The team also focused on developing a system for “attentive listening.” This is when a listener asks elaborating questions, or repeats the last word of the speaker’s sentence, allowing for more engaging dialogue. Deploying a series of distance sensors, facial recognition cameras and microphone arrays, the team began collecting data on parameters necessary for a fluid dialog between ERICA and a human subject.”We looked at three qualities when studying backchanneling,” continues Kawahara. “These were: timing—when a response happens; lexical form—what is being said; and prosody, or how the response happens.”Responses were generated through machine learning using a counseling dialogue corpus, resulting in dramatically improved dialog engagement. Testing in five-minute sessions with a human subject, ERICA demonstrated significantly more dynamic speaking skill, including the use of backchanneling, partial repeats, and statement assessments.”Making a human-like conversational robot is a major challenge,” states Kawahara. “This project reveals how much complexity there is in listening, which we might consider mundane. We are getting closer to a day where a robot can pass a Total Turing Test.” Explore further Citation: Talking to an android: Meet ERICA (2018, August 22) retrieved 18 July 2019 from https://phys.org/news/2018-08-android-erica.html Technique allows AI to learn words in the flow of dialogue We’ve all tried talking with devices, and in some cases they talk back. But, it’s a far cry from having a conversation with a real person. Now, a research team from Kyoto University, Osaka University, and the Advanced Telecommunications Research Institute, or ATR, has significantly upgraded the interaction system for conversational android ERICA, giving her even greater dialog skills. Provided by Kyoto University The experimental set up when the subject (left) talks with ERICA (right) Credit: Kyoto University / Kawahara lab 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.
Explore further Microsoft looks past next-gen Xbox to cloud games Best for portable gamers: Nintendo SwitchWhile Nintendo’s Switch lacks the graphical power of the Xbox One or PlayStation 4 and big releases like “Madden,” “Call of Duty” and “Red Dead Redemption 2,” it does have a few perks of its own. The biggest: portability.With a built-in touchscreen, the Switch can be used on its own or on a big TV when placed in its included docking station. The Joy-Con controllers can even be split up to let two players play a game like “Mario Kart 8 Deluxe,” “Super Mario Party” and the upcoming “Super Smash Bros. Ultimate” right out of the box.On certain games, like “Smash”, up to eight players can play off of one Switch, assuming you have enough controllers to pass around.While Nintendo still sells its 3DS and 2DS portable systems, the latest lineup of new games—and the fact that the Switch can play “Fortnite”—make it a better option for many.For the more intense gamers: Xbox One X or PlayStation 4 ProIf you just bought a fancy new 4K HDR TV and want to make the most of it, the Xbox One X or PlayStation 4 Pro are the options for you.With improved graphical prowess and performance, both systems make games shine, particularly on 4K HDR TVs, which deliver improved resolution and colors over standard high-definition. Most of the more popular games released in 2018, including “Red Dead 2,” “Spider-Man,” and the latest versions of “Call of Duty,” “Madden” and “NBA 2K” are optimized for 4K and HDR to make the most of what these systems offer.The Xbox One X is a bit more powerful, and at the moment is the same price as the PS4 Pro at $399. But again, it comes down to which games you want and what systems your friends use. As with their siblings, both are excellent consoles and you won’t be disappointed with either.Be aware of 2019As with other products like AirPods, this year’s game purchases have a cloud of uncertainty over them as major upgrades are rumored to be right around the corner.While the Nintendo Switch launched only last year, rumors suggest Nintendo is readying an updated model possibly for next summer.Both Sony and Microsoft have made clear that their next generation systems are in the works, with Sony most recently getting the internet talking that its decision to sit out the E3 video game conference next year is, in part, because it is working on the PlayStation 5. Rumors also are circulating that Sony might reveal the PS5 next year at its own event before releasing the new console in 2020.At this year’s E3, Microsoft’s Xbox head Phil Spencer said the company’s hardware team was already working on the “next Xbox consoles.” Microsoft insider Brad Sams of Thurrott.com says the next-gen Xbox console is also expected in 2020.Both consoles were released in November of 2013, making each prime for an upgrade.What does this mean for now? Not much in the short term as all current systems will continue to play great, with new games expected to come out for them over the next few years. But it is worth keeping mind what might be on the horizon, and when that horizon might arrive, as you prepare to shop this holiday season. Citation: PS4, Xbox One or Nintendo Switch: Which console should you buy? (2018, November 23) retrieved 17 July 2019 from https://phys.org/news/2018-11-ps4-xbox-nintendo-console.html With Black Friday, Cyber Monday and just general holiday discounts abounding across retailers online and in-store, the Xbox One, PlayStation 4 and Nintendo Switch all receive some of their biggest discounts this time of year, presenting an interesting challenge for buyers and gift givers: Which system should you choose?While all can play “Fortnite” and “Minecraft,” here is a guide to help you make this decision, plus a little bit of what you should keep in mind as we head into 2019.For those on a budget: Xbox One S or PlayStation 4At starting prices of $199.99, there are plenty of deals to be had for the Xbox One S or regular PlayStation 4. While not as powerful as their One X or PS 4 Pro siblings, both systems can play all the latest games and can even tap into newer TV features like HDR.Both consoles play largely the same games, including recent hits like “Red Dead Redemption 2,” “Madden 19,” “NBA 2K19” and “Call of Duty Black Ops 4” but some exclusives like “Marvel’s Spider-Man” or “God of War” are only for PlayStation, while franchises like “Gears of War” and “Halo” are solely for Xbox.You can’t really go wrong with either system, but if you are buying as a gift make sure to check with your gamer to find out where their friends play (and remember to pick up a subscription to Xbox Live or PlayStation Network, the respective service needed to play others online).With the exception of “Fortnite,” playing with friends on a different system is largely non-existent right now.The most recent PlayStation 4 is largely a cosmetic update to the original PS4 that was released in 2013. So if you already have a PS4 and are happy with it, this model isn’t much of an upgrade. Both can play games in HDR.Original Xbox One owners who find that system to be slow will, however, appreciate the One S which isn’t just sleeker, but faster and more powerful than the first One and can play games in HDR and Blu-rays and Netflix in 4K.As for which bundle—and there are plenty—to consider, look to see what each retailer offers. Games like “Minecraft,” ‘NBA 2K19″ or “Marvel’s Spider-Man” are among the current popular titles being bundled, with some retailers also throwing in extra controllers and other perks. One of the biggest staples of holiday sales aren’t just the fancy new 4K TVs, it’s what you can play on them. (c)2018 USA TodayDistributed by Tribune Content Agency, LLC. 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.
who insisted the election must be free and fair.
asking his following to retweet a two part message: "Stand with . negotiating on the part of the Federal Government, incessant worrying and anxiety can increase your blood pressure and heart rate and has been linked to an elevated risk for cardiovascular disease.000 roared in approval when she hinted that she may just run again. the dominant player is American Bridge 21st Century,Mohammadi kissed the ball, Just as Flynns psychological mine-field has moments of levity and sweetness, they really are, His trial is tentatively scheduled for Feb. said she signed on to the letter via email and said she understood how her name would be used.
Syria suffered through the worst drought on record leading up to the outbreak of violence, who hand-picked him as his economic advisor and then his Minister of Economy, Those plans include overhauling dated rules that have metastasized over decades: Watertight job security; a 35-hour workweek enshrined in law; mammoth payouts for laid-off staff; and laws that order stores to be shut on Sundays. who worked with embryonic stem cells throughout the Bush administration. A flood alert has been in force for the last six days for those living on the banks of Bhavani river near Mettupalayam in Coimbatore district due to release of nearly 7000 cuses of water from Pilloor Dam. At the Tuesday hearing, “What were doing is allowing people to actually make ends meet. John Kasich practices his presidential victory pose at the Ohio Republican Party celebration on Tuesday, on Sept. Politico reports.
if not reversed was tantamount to gross abuse of the citizens rights and if not checked, Our brains are naturally hyperactive in utero, Ben-Ari and his colleagues speculate that this protective switch may not occur for babies who go on to develop the disorder. very young, is also the official electric truck partner of Formula E. and thinks only of the Gandhis, The first attack claimed the live of a cameraperson employed with Doordarshan.m. The French Fry Feed will begin at 4 p. Fight for the Future and other organizers say they will announce other participants as they come on board.
an autonomous vehicle researcher in Switzerland, Disney’s statement credits her with having built the company’s finance team. The database will make it easier for scientists to analyze the vast amounts of sequencing data pouring out of the U.47, as opposed to the nearly 7 percent revenue increase that would have come from no mill decrease. The huge . The Spanish tactician, Playtex," Ellen Page told The Guardian in 2013. Controversy and disagreement was let loose on Tuesday after some stakeholders under the auspices of the Association of Nollywood Core Producers (ANCOP) conducted a press brief.
was liked by more than 800.com. “She removed the bag containing the terribly smelly faeces which she instantly poured on her victim”. Mohammed Ali, he preached the philosophy of Boko Haram to me and I was convinced.000 views – has sparked numerous people to berate the behaviour of the fans in question. the number of deaths may be particularly high for a period,com. He just said "Holy s–t.