Tag: 上海水磨会所

Arsenal youngster Reiss Nelson to join Hoffenheim on loan deal

first_imgArsenal have reportedly decided to sanction Reiss Nelson’s season-long loan move to German side HoffenheimThe 18-year-old is highly-rated at the Emirates but has found opportunities hard to come by.Nelson has under 12 months remaining on his current contract and is keen to secure himself regular first-team action.The Daily Mirror reports that a compromise has now been reached between Nelson and Arsenal.The agreement involves Nelson being allowed to go on loan for the remainder of the current campaign.Jadon SanchoMerson believes Arsenal should sign Sancho Manuel R. Medina – September 14, 2019 Borussia Dortmund winger Jadon Sancho might be the perfect player to play for the Gunners, according to former England international Paul Merson.In return, the young forward will agree to sign a new deal with the Gunners.Nelson has made a total of 16 appearances in all competitions for the senior side.But new boss Unai Emery is unlikely to give Nelson much playing time this year.Therefore, Arsenal have reached an agreement with Hoffenheim to loan Nelson.The Bundesliga club signed former Arsenal winger Serge Gnabry on loan from Bayern Munich last season.last_img read more

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Seward Highway Open Near Milepost 109 After Vehicle Collision

first_imgFacebook0TwitterEmailPrintFriendly分享Update -Friday  According to Anchorage Police only minor injuries were sustained during the two vehicle collision. UPDATE 11:50amBoth lanes of the Seward Highway have been reopened at Mile 109. The closure is valid from 10:57 a.m., until 2:57 p.m. Original PostThe Seward Highway is closed near milepost 109 due to a crash/vehicle fire according to the Department of Transportation. According to the DOT, drivers should watch for police and fire trucks on the highway. Limited details are known at this time, updates will be posted as they are made available.last_img read more

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Lamborghini Aventador SVJ 63 Roadster ups the exclusivity factor

first_img Preview • 2019 Lamborghini Aventador SVJ: Verdant velocity Lamborghini Aventador SVJ 63 Roadster, Huracan EVO GT Celebration dazzle 2020 Audi R8 first drive: Improving an already fantastic supercar Comment Monterey Car Week 2019 Lamborghini 5:37 More about 2019 Lamborghini Aventador SVJ 1 More From Roadshow Tags 2019 Lamborghini Urus review: Part SUV, part supercar Exotic Cars Performance Cars 2020 Lamborghini Huracán Evo Spyder first drive: Worth every sunburn Lamborghini’s Aventador SVJ is more than a ‘Ring monster Now playing: Watch this: 62 Photos Enlarge ImageJust 63 of these supercars will be made. Antuan Goodwin/Roadshow It certainly wouldn’t be Monterey Car Week without a flood of new concept cars and supercars. Lamborghini didn’t disappoint and revealed not one but two models on Friday. First up is the Lamborghini Aventador SVJ 63 Roadster. Naturally, it follows the SVJ 63 Coupe revealed previously and it’s also limited to, as the name implies, 63 units globally. The production figure corresponds with the Italian firm’s founding year of 1963. Any 1 percenters looking to add a new supercar to the garage will have the chance to select one of eight design motifs for the SVJ 63 Roadster, though the photos depict the matte gray Grigio Acheso with orange details. The car also sports a set of matte titanium wheels and a special carbon-fiber part that covers roof, engine cover, engine air vents, windshield surround and mirrors. There will be no mistaking this special edition for any other Aventador as it wears a “63” livery inside and out, too. The cockpit of this Aventador SVJ 63 Roadster features gray and orange to match the exterior, though it shares other elements with the seven additional design motifs. Each of the 63 cars will come with tri-tone Alcantara upholstery, carbon-fiber trim and a steering-wheel badge to mark the SVJ 63 Roadster’s significance. Like all other SVJs, a 6.5-liter V12 makes 760 horsepower. Lamborghini Huracán EVO GT CelebrationEnlarge ImageLamborghini is proud of its racing success so far, so it made a tribute model. Antuan Goodwin/Roadshow If the Aventador SVJ 63 isn’t flashy enough for you, the Huracan EVO GT Celebration should do the trick. It honors the Huracan EVO GT3 race car that’s come off of two banner racing seasons, including two consecutive wins at the 24 Hours of Daytona and 12 Hours of Sebring. The company said it will build 36 of these cars — the sum of 24 and 12 to represent the EVO GT3’s dominance on the track. The wild green and orange livery is meant to evoke the GRT Grasser Racing Team livery, which is one of the teams that’s contributed to Lamborghini’s winning streak. I admit, it’s rather polarizing, but the company said there are eight other combinations to choose from with three other colors. No matter which color, the livery style stays the same, as does the racing number 11. Badging and vinyl also mark the race car’s championship wins on the sides and near the engine bay. Finally, the Lamborghini Squadra Shield is an option for the roof with the Italian and US flags framing it. Meanwhile, the interior features the shield, flags and laurel as standard equipment and color-contrast stitching depending on which color scheme an owner chooses. Like other Huracáns, a V10 provides the power. A shame if you’re not local to North America because other global buyers won’t have the chance to own an Huracan EVO GT Celebration. Both special-edition cars will arrive in early 2020. Share your voice Lamborghinilast_img read more

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King Abdullahs Death Oil Price Increase Unlikely To Continue Amid Excess Supply

first_imgThe oil price increase following the death of Saudi Arabia’s King Abdullah is unlikely to continue as there is an oversupply in the crude market, say industry sources.In a television speech, newly-anointed King Salman said that he will stick with his predecessor’s policies. The royal decree stated that Oil Minister Ali al-Naimi’s role will not change.Saudi Arabia is a key constituent of the Organization of Petroleum Exporting Countries (OPEC) cartel. At the OPEC meeting held in November 2014, al-Naimi declined to cut output “despite a slide in prices, marking a shift in strategy toward defending market share rather than supporting price,” Business Insider reports. This move irked fellow exporters, Iran and Venuzela.Oil GlutPointing at the oversupply in the oil market, Stephen Schork – President of Schork Group – noted that even as the King’s death matters, it does not change the fundamentals; maintaining that Saudi Arabia would try to preserve their market share.Brent crude rose as high as 2.6 percent on Friday after the King’s death was announced.King Salman ReutersThe markets knew beforehand that Salman, in his previous role as the Crown Prince, backed the policies of late King Abdullah, eliminating any uncertainty, LiveMint reports.The kingdom is unlikely to face in-fighting, as the hierarchy is well defined. However, the question that is worrying the people is whether they will witness any progression under the new king, in a place that is long known for being very conservative.Ali al-Naimi Saudi Arabia’s Oil Minister Ali Al-Naimi attends the First Gulf Cooperation Council (GCC) Petroleum Media Forum in KuwaitReutersAli al-Naimi has served the kingdom as its Oil Minister since 1995. He sets the oil policy for the kingdom in consultation with the ruling family. He also represents the nation at the OPEC cartel and holds considerable control. The 79-year-old is also the chairman of the board of the King Abdullah University of Science and Technology (KAUST).The nation produces more than a tenth of the world’s crude oil and is the only nation that can act as a swing producer. Saudi Arabia depends on oil for 46 percent of its GDP, though in the recent years, it has been trying to emulate Dubai’s infrastructure boom.last_img read more

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Clean Dwarka HC summons senior civic Metro officials

first_imgThe Delhi High Court on Wednesday asked top officials of the Delhi Development Authority (DDA), the South Delhi Municipal Corporation (SDMC) and the Delhi Metro to be personally present in court to explain the work done by them to clean up Dwarka sub-city.A division bench of Justice B.D Ahmed and Justice Sanjeev Sachdeva summoned DDA’s chief engineer, Dwarka, SDMC’s chief engineer, DEMS, and Delhi Metro’s deputy general manager, civil, on February 25. Also Read – Company director arrested for swindling Rs 345 croreThe court’s direction came after noting that the agencies are not doing anything to make the area clear despite its directions.“We thought in this small area, you (various agencies) will so some work. But nothing is happening,” the bench observed. Ebbani Aggarwal, a law student and resident of Dwarka, who had filed a public interest litigation (PIL) told the court that the markets, roads, footpaths and open vacant land and other places in Dwarka sub-city were full of litter, filth, rubbish, solid waste and remains of construction material.last_img read more

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In search of a suitable girl

first_imgHardly has any novel been awaited with as much curiosity and anticipation in recent times as Vikram Seths sequel to the monumental ‘A Suitable Boy’ (1993). Five years on, since he was first expected to deliver the manuscript, the novel is still to see the light of the day. But what seems like a saga of missed deadlines can very well – far from our eyes – be a masterpiece in the making.”The more I talk of her, the more shy she becomes,” Seth had told this correspondent in 2015 about ‘A Suitable Girl’, the novel-in-waiting. Also Read – Add new books to your shelfSeth, as his literary agent David Godwin puts it, has been known to take his time with his books. The prolonged delay, however, was not acceptable to Hamish Hamilton and he was asked to return an advance payment of $1.7 million when the deal was called off. Weidenfeld and Nicolson, an imprint of the British publisher, then acquired the novel – and it was scheduled to release in 2016. But a flying bird – a friend and confidant of the writer – says that he is now giving the “final touch” to the novel and that one can expect “the big announcement” soon. Also Read – Over 2 hours screen time daily will make your kids impulsiveSeth released a collection of poems titled ‘Summer Requiem’ in the meanwhile. In the collection, he traces the immutable shiftings of the seasons, the relentless rhythms of a great world that both “gifts and harms”. Composed as they were while he was (which he still is) writing the sequel, several poems in the offering open doors to his mind, or perhaps they may be preludes to the larger narrative that he is weaving. “I have so carefully mapped/the corners of my mind/that I am forever waking/in a lost country,” he writes in the opening poem. Interestingly, Seth’s companion to ‘A Suitable Boy’ will be a jump sequel – the characters have travelled from the 1950s and it will be very much a novel set in somewhat the present times. In its title poem, he mourns that the “liberated generation lives a restrained youth,” and then adds: “I must forsake attachment”. On another occasion in the book, readers find him lamenting over “the peaceful love” that the narrator has “never found”. In another short poem “Late Light” he writes: “Outside the great world’s gifts and harms/ There must be somewhere I can go/To rest within a lover’s arm/At ease with the impending snow”. Reportedly, Seth suffered from writer’s block after his break-up with French violinist Phillippe Honor but that was a long time ago and was reflected in ‘An Equal Music’. He has moved on or has he not? Nonetheless, it has been about five years since ‘A Suitable Girl’ was first expected to hit the stands but the wait is surely worth it. As writer-politician Shashi Tharoor says about his good friend’s technique – that “Vikram Seth draws an entire roadmap of his novel, planning every minute element in great detail” – the sequel, thanks to all the anticipation and the pressure on the writer, may actually be a masterpiece in the making, as sublime as its counterpart and yet set in the time of its readers. Vikram Seth is a recipient of the Padma Shri, Sahitya Akademi Award, and among several other prestigious honours, the Pravasi Bharatiya Samman. He has been widely translated and is among leading novelists on the global stage. He has published three novels – ‘The Golden Gate’ (1986), ‘A Suitable Boy’ (1993) and ‘An Equal Music’ (1999) – along with several collections of poetry such as ‘Mappings’ and ‘All You Who Sleep Tonight’. Seth – an openly gay man – is also one of the prominent faces of the campaign against Section 377 of the Indian Penal Code that criminalises homosexuality.last_img read more

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Barun Ray to take charge of state monitoring cell

first_imgKolkata: The Mamata Banerjee government on Tuesday appointed an IAS officer to take charge of the recently constituted monitoring cell for proper implementation of government schemes and to probe allegations of taking money (referred to as cut money) against giving benefits under the schemes.IAS Barun Ray, the 1992 batch officer who has been given the charge of the cell, was posted as commissioner, Malda division. Ray has also been transferred to the post of commissioner, Burdwan division. Also Read – Rs 13,000 crore investment to provide 2 lakh jobs: MamataHe will hold the charge of OSD at the Chief Minister’s Office (CMO) in the rank of principal secretary in charge of Monitoring of Programme Implementation and Grievance Cell. Chief Minister Mamata Banerjee had opened the cell for “Programme Implementation of Government Schemes and Redressal of Grievances/Complaints” and announced a toll-free number for lodging complaints. The cell has received 1,500 complaints so far. Once a beneficiary from the districts raises his/her issue with the CMO through email at wbcmro@gmail.com, it will be thoroughly examined and replied to within 10 days. Also Read – Lightning kills 8, injures 16 in stateThe new and unprecedented approach is aimed at refining the whole delivery mechanism system of the schemes in the state. The fundamental objective of the move is to reach out to the marginalised benefici- aries. Colonel (retired) Diptangshu Chowdhury, who heads the cell, has visited the districts and interacted with the beneficiaries who have been denied government welfare scheme benefits or harassed while receiving such benefits. The state government has asked police superintendents to initiate cases on complaints of accepting cut money under Section 409 of the Indian Penal Code, which calls for a maximum punishment of life imprisonment.last_img read more

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Live News traffic and weather updates for North Staffordshire South Cheshire on

first_img Video Loading Video Unavailable Watch Next StokeonTrentLive – we’re #localandproud Share this video Click to playTap to play StokeonTrent Live – we’re #localandproudStokeonTrent Live – we’re #localandproudVideo Player is loading.Play VideoPauseUnmute0:00/1:20Loaded: 0%Progress: 0%Stream TypeLIVE-1:20 SharePlayback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedSubtitlessubtitles settings, opens subtitles settings dialogsubtitles off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMute0:00/0:00Loaded: 0%Progress: 0%Stream TypeLIVE0:00 Playback Rate1xFullscreenClose Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.  Click for Soundcenter_img Watch again Video will play in  We pay for stories! Send your videos to video@trinitymirror.comHello and welcome to Stoke-on-TrentLive’s breaking news service bringing you all the latest updates from Stoke-on-Trent and North Staffordshire on Monday, November 12. Our team of reporters will be updating this live service with all the latest on the traffic and travel and weather updates – as well as news and entertainment through the day. We’ll be bringing you the very latest updates in our live news feed below. For the latest news and breaking news visit www.stokeontrentlive.co.uk Get all the big headlines, pictures, analysis, opinion and video on the stories that matter to you. Follow us on Twitter @SOTLive – the official Sentinel account – real news in real time. We’re also on Facebook – your must-see news, features, videos and pictures throughout Stoke-on-Trent, North Staffordshire & South Cheshire. Want to tell us about something going on where you live? Let us know – Tweet us @SOTLive or message us on our Facebook page . And if you have pictures to share, tag us on Instagram at StokeonTrentLive . 17:59All lanes reopenedAll lanes have now reopened.17:56Traffic held due to accident on M6A Highways England spokesman said:M6 northbound between J21 and J21A we have all traffic stopped due to a collision between a car and HGV. Delays building quickly on the approach. Please allow plenty of extra journey time. will keep you updated. “17:20Broken down vehicle causing delays on M6One lane blocked and slow traffic due to broken down vehicle on M6 Southbound between J18 A54 Middlewich Road (Middlewich / Holmes Chapel) and J17 A534 Old Mill Road (Sandbach / Crewe). In the roadworks area.Lane one (of three) is blocked.17:09Three remain in hospital two days after A53 horror crash killed 64-year-old womanPolice are appealing for witnesses or anyone with dashcam footage to come forward. More here.16:13Incident in Wolstanton involves minor injuries onlyWest Midlands Ambulance Service have confirmed they are treating two patients after an accident on High Street in Wolstanto – although neither are believed to have been seriously injured.A spokeswoman said:We were called just after 3.30pm. We had two ambulances and a paramedic officer on scene. Now there is just one ambulance and we are treating two patients.” 16:09Accident in Wolstanton involves car and pedestrianSlow traffic due to accident, pedestrian and vehicle involved on A527 High Street at B5368 Silverdale Road.Sources confirm there is no blockage on the road however delays remain in both directions. 15:56Accident in WolstantonA527 High Street partially blocked, slow traffic due to accident at B5368 Silverdale Road. (Image: Inrix)15:26Haslington councillor John Hammond diesHe had served on the council since 2008. More here.Councillor John Hammond represented Haslington at Cheshire East Council (Image: Cheshire East Council)12:46One lane closed due to broken down vehicle on M6 Southbound between J15 A500 (Stoke-On-Trent) and J14 A5013 (Stafford North). In the roadworks area. Lane two (of three) is closed. 12:44 (Image: Staffordshire Police)Detectives are hunting for the owner of a rare antique knife after it was stolen from a Staffordshire town over the weekend.The antique carving knife was found in the North Walls area of Stafford at around 2pm on Saturday afternoon (November 10) and officers are keen to reunite it with its owners.Staffordshire Police believe the knife could have been taken from its original owner due to its rarity.Read more.12:07 One lane blocked and heavy traffic due to broken down car on M6 Northbound from J18 A54 Middlewich Road (Middlewich / Holmes Chapel) to J19 A556 Chester Road (Knutsford). In the roadworks area. Lane one (of three) is blocked.11:24Heavy traffic on Brownhills Road / Davenport Street / Newcastle Street between A500 (Porthill Bank) and Tunstall. 11:11Queuing traffic due to the problems on the M6 on A534 Old Mill Road Northbound from B5079 / Crewe Road (Wheelock Roundabout) to M6 J17 (Sandbach / Crewe).10:57Slow traffic on A52 Werrington Road Westbound before A52 Leek Road (Lime Kiln Traffic Lights). 10:5410:54One lane closed and queueing traffic due to broken down car on M6 Northbound from J16 A500 (Stoke-On-Trent / Crewe) to J17 A534 Old Mill Road (Sandbach / Crewe). In the roadworks area. Lane two (of three) is closed. Breakdown has occurred within the residual delays on an earlier accident.10:37 A500 Northbound exit slip road partially blocked, slow traffic due to accident at M6 J16 (Stoke-On-Trent / Crewe). Lane one (of two) closed. Around Stoke-on-Trent.10:28A motorcyclist suffered suspected life changing injuries following a collision involving a car this morning.Police officers reported a collision between a bike and a car on Within Lane, Stafford , at around 9am today (November 12).The Staffordshire and West Midlands Serious Collision Investigation Unit had asked people to avoid the area as the road had to be closed off.Read more.10:22A34 Newcastle Road busy but moving between Springfield Retail Park and A500 D Road (Hanford Interchange). 10:08All M6 lanes are now reopen.The vehicles have now been moved into the Smart Motorway roadworks and all lanes reopened. There are delays of around 4.5 milies.09:53M6 lane reopenOne lane is now reopen following a collision on the M6.09:42Updates: Traffic held on M6 due to two-vehicle collision (Image: Highways England)Traffic has been held on the M6 in Cheshire because of a collision between a HGV and a car.The nortbound carriageway between junction 16, Crewe, and junction 17, Sandbach, was closed off shortly after 9.30am today (November 12).North West Motorway Police and Highways England are currently on the scene.Read more09:2909:24 A527 Porthill Road busy but moving at A500 D Road / Longbridge Hayes Road / Longbridge Hayes Road (Porthill Bank). 09:23Delays likely as THIS wide-load travels through the region today (Image: Staffs Police TST)Motorists have been told they face delays this morning as a 405ton, 69m long electrical transformer travels through Staffordshire and Cheshire.The transformer will be leaving GE, Lichfield Road, Stafford, at 9.30am today and will travel along Weston Road towards Beaconside, Redhill, and the A34 towards Stone and then Newcastle.It will then travel towards Talke where Staffordshire Police will hand over to colleagues in Cheshire at around midday today.The slow moving transformer will stop at Browns Bank, Congleton, around 90 minutes later.Read more.09:00Weather updates08:50 Traffic returned to normal on M6 Northbound from J18 A54 Middlewich Road (Middlewich / Holmes Chapel) to J19 A556 Chester Road (Knutsford). 08:19 Advance Warning – Abnormal load travelling from A34 Red Bull traffic lights. The load will continue through Congleton until it reaches Browns Bank on the A54. From 9:30 until 11:00 on 12th November. 08:12 Queuing traffic on A527 Biddulph Road coming from Brindley Ford Southbound at A5272 High Lane roundabout. Travel time is five minutes. 08:11 Slow traffic on A34 Newcastle Road between Springfield Retail Park and A500 D Road (Hanford Interchange). Travel time is four minutes. The video will start in 1Cancel Play nowlast_img read more

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Travel guide to Banff National Park in Alberta Canada

first_imgBanff National Park is the oldest national park in Canada, which was established in 1885 in the Rocky Mountains. The park, located 110–180 kilometres west of Calgary in the province of Alberta, covers 6,641 square kilometres of mountainous terrain, with numerous glaciers and ice fields, dense coniferous forest, and alpine landscapes.Source: Expedialast_img

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Freesat a new lowcost digital platform for Roman

first_imgFreesat, a new low-cost digital platform for Romania, has launched on the Eutelsat 16A satellite.Freesat joins the already crowded Romanian DTH market with a very low-cost offering, providing a range of standard and HD channels for an annual subscription of RON99 (€23) and the purchase of a conditional access smartcard.The platform includes popular Romanian commercial and public channels such as TVR 1, TVR 2, Pro TV, AcasaTv, ProCinema, Sport.ro, KanalD, Prima, NationalTV, FavoritTV, TVR HD TVR 3, TVR News, TVR International, Etno TV, Taraf TV and West TV.“Our objective is to give Romanians access to digital television choice at a great price with the highest quality and to reach the maximum number of homes using Eutelsat’s established neighbourhood at 16° East,” said Serban Belenes, general manager of Freesat. “We believe that Freesat’s proposal of no monthly bill and no commitment is a key asset. With 99 lei, you have your favourite channels for a full year – no worries, no subscription.”last_img read more

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Several readers have asked why I use CDs in so man

first_imgSeveral readers have asked why I use CDs in so many examples. With good reason, they wondered if I was suggesting buying CDs, which made them question my wisdom and sanity. If anyone thinks that’s what I’m recommending, I must have been remiss in conveying my message. On that note, I’d like to make one thing clear: I am absolutely opposed to buying any CD denominated in US dollars. (And since we’re clearing things up, I should also mention again that I am wholly opposed to TIPS.) When I use CDs in examples, I am usually referring to a lost time when they paid around 6% – a time when retirees could sail along on CDs and top-rated bonds without much worry. Since the first TARP bill passed in 2008, we’re hard pressed to find a CD paying more than about 1.2%, which is 0.5% below the government-reported inflation rate. It’s also 6.8% below the Money Forever Reader Poll Inflation Rate. Declining interest rates have hit retirees’ investment income hard; for many folks it’s dropped 50-80% from just a few years ago. So why would anyone want to make a long-term investment that is not keeping up with inflation and likely won’t catch up anytime soon? I certainly wouldn’t, and I strongly urge all readers to find other places to put their hard-earned money. Here is the bottom line: Before the 2008 crash, retirees could earn a decent yield on relatively safe investments. For many, this investment income was three to five times more than their Social Security checks, which allowed for a comfortable retirement low on financial stress. Now those same secure investments might bring in income equal to about half of your Social Security check. Before my wife Jo and I were married, we made one of our wisest investments: pre-marriage counseling. We had both been married before, and we wanted to make sure this marriage would be our last. One of our counseling assignments was to write down what we each wanted to be doing in 10 and 20 years. Our counselor also asked us to describe what “enjoying our golden years” meant to us. We took our assignments seriously, and as luck would have it, our dreams meshed quite well. We still consider ourselves truly blessed 25 years later. Some of the things we wanted were no-brainers. We wanted good health and enough money to not have to worry about it. While jetting around the world would be nice, our needs for happiness were much simpler. She grew up on a farm and my dad delivered mail; cool stuff is a bonus but not mandatory. We also wanted companionship to enjoy many things together and freedom to enjoy a few things apart. You get the point; we wanted the same things most ordinary people want. Nevertheless, having enough money to not have to worry about it turned into a trickier challenge than we’d expected. I retired at age 62. For the first six years, it was a dream. We lived in a motor home for a year and traveled extensively, nary a care in the world. Quite frankly, Jo and I were having a blast! That changed overnight, when the banks called in our high-yield, secure CDs. As I received more and more questions from readers about why I write about CDs so often, the more I realized what they had represented to us: freedom. Today we have enough money, but most of our capital is in riskier investments than FDIC-insured CDs. What investment could be more worry-free than a government-insured CD paying three times the rate of inflation? Moreover, it wasn’t just the yield that made us comfortable; safety was also key. If our government collapsed it was all over anyway, at least that was our thinking. The only folks I know who still have that same level of emotional comfort are retired federal employees. I can report that I now sleep much better than I did in 2008. However, it is still a far cry from our carefree joyride when I first retired. I know Jo and I are not alone. The Employee Benefit Research Institute (EBRI) does an annual survey on retirement confidence. Its 2012 survey reports that in 2005, 40% of retirees felt “very comfortable” that they had enough money to live on throughout their retirement years. Forty percent reported they were “somewhat comfortable.” In 2012 those numbers changed to 21% and 42% respectively. Also, in 2005, 7% reported they were “not at all” comfortable; that figure jumped to 19% in 2012. Here are some other interesting tidbits from that report: Americans’ retirement confidence has plateaued at the lowest levels seen over the last two decades. With her marriage, she got a new name … and a dress.  A will is a … dead giveaway. And my favorite: Police were called to a daycare where a three-year-old was … resisting a rest. Until next week… Twenty-five percent of those currently working say the age at which they expected to retire changed in the last year. In 1991, 11% of workers said they expected to retire after age 65, and by 2012 that grew to 37%. Baby boomers are now retiring at a rate of 10,000 per day and will continue to do so for the next 19 years. For decades, through economic ups and downs, they formed their retirement expectations. Now, in a few short years those expectations have been drastically altered.Back to the Future Thanks to the reader feedback I mentioned earlier, I have come to another conclusion: baby boomers on either side of the retirement cusp understand the problem, but they don’t all know what to do about it. Retirees have to make a detour; a bridge is out, and it won’t be repaired anytime soon. I can talk about 6% CDs all day long, but the truth is, they no longer exist. How can we achieve our retirement dreams in the current environment? Our retirement goals have not changed. We still want enough money to not have to worry about it. How we go about getting there, however, has been changed dramatically. So let’s focus on the task at hand. Personally, I advocate a three-pronged approach. First, we have little choice but to put a whole lot more of our nest egg at risk. We need to beat our current, high rate of inflation and earn enough to adequately supplement our Social Security checks. This means continuing to learn about and monitor our investments much more than we had to in the past. We have to diversify our investments to minimize the overall risk to our portfolios, and look into alternative investments and strategies. An uneducated or passive investor is setting himself and his family up for disaster. Second – and this is the part no one likes – we have to modify our lifestyles. That means different things for different people, but no matter how much money you have, we all have to live within our means. That’s just good, old-fashioned common sense. I’ve noticed that folks who accept the reality of our economic problems have an easier time making adjustments. They made sensible cutbacks early on and are damn happy they did. On the other hand, our friends who thought we were in an 18-month recession are hitting some real rough patches. Third and finally, we need to redefine “don’t have to worry about it” to fit today. When Jo and I were traveling the country in our motorhome, Internet connections were spottier than they are today. We would check into a campground and ask if they had an Internet hookup. If they did, we would check our email and update our brokerage account. If not, no big deal; hopefully we would find one at the next campground. That was the epitome of not worrying about it. Not worrying looks a lot different today. We know and understand where our money is invested, and we continue to learn every day. While I would use the word “comfortable” to describe our situation, it’s still a far cry from our carefree, passive attitude of yesteryear. That was a dream… and a whole lot of fun while it lasted. Nevertheless, an educated, confident investor can still sleep very well. If you’re up counting sheep and worrying about your portfolio, skip the Ambien. Instead, I invite you to learn about Miller’s Money Forever and take advantage of our no-risk, premium subscription. If you decide it’s not for you, just call or email within the first 90-days and receive a 100% refund. And if you do decide to stick with Miller’s Money Forever, it’s still less expensive than a lifelong Ambien prescription. As the EBRI survey pointed out, in 2005 40% of those surveyed said they were “very comfortable.” By 2012 the number had dropped to 21%. Our goal at Miller’s Money Forever is to make sure our subscribers all fall into the 21% who are “very comfortable.”On the Lighter Side I saw that Danica Patrick won the pole position for the Daytona 500. I suspect that will add a few million viewers to the race next week. While she was born in Beloit, Wisconsin, she grew up in Roscoe, Illinois, right across the state line. We have friends who lived there, and she is certainly a hometown hero. Our Florida weather has been a bit cool over the last few days; the forecast for the race day is in the low 70s. Let’s hope it’s a good and safe race. —- My friend Rob – of We Buy Gold fame – and I went to a coin show over the weekend. There was no junk silver to be found, and Silver Eagles were also in short supply. After speaking with several dealers, they felt the current downturn in the price of metals will be short lived. And finally… Our friends Ed and Sarah sent us some clever puns. When the smog lifts in Los Angeles … U.C.L.A.  The batteries were given out … free of charge.  A dentist and a manicurist married … They fought tooth and nail. The percentage of workers expecting to retire before age 65 has decreased from 50% in 1991 to 24% in 2012.last_img read more

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Saudi Arabia

first_img Saudi Arabia The United States has the largest refining capacity in the world and is still by far the largest consumer of oil in the world (though China is beginning to catch up), and its refineries require 15 million barrels of oil a day. That means even though, due to the shale revolution, domestic production has dramatically increased to about 8 million barrels, the US still has to import between 7 and 8 million barrels of expensive foreign oil a day. Let’s take a look at who the US buys the imported oil from. (Now that I finally figured out my way around the new Windows 8—which, by the way, really sucks—I can even add some color to my tables.) Canada 2.5–3 Millions of barrels exported to US per day Top 10 Things You Didn’t Know Use Compounds Made from Crude Oil Golf balls Toothpaste Soap Aspirin Life jackets Louis Vuitton knock-offs Guitar strings Shoes Soccer balls Pantyhose 0.8 0.8–1.0 Venezuela Mexico But really, I’ve had a pretty good run. Here is my audited return since January 1, 2012 (green column on the left). 1.2–1.5 While the White House spied on Frau Merkel and Obamacare developed into a slow-moving train wreck, while Syria was saved from all-out war by the Russian bell and the Republicrats fought bitterly about the debt ceiling… something monumental happened that went unnoticed by most of the globe. The US quietly surpassed Saudi Arabia as the biggest oil producer in the world. You read that correctly: “The jump in output from shale plays has led to the second biggest oil boom in history,” stated Reuters on October 15. “U.S. output, which includes natural gas liquids and biofuels, has swelled 3.2 million barrels per day (bpd) since 2009, the fastest expansion in production over a four-year period since a surge in Saudi Arabia’s output from 1970-1974.” After the initial moment of awe, pragmatic readers will surely wonder: Then why isn’t gasoline dirt-cheap in the US? There’s indeed a good explanation why most Americans don’t drive up to the gas pump whistling a happy tune (and it has nothing to do with evil speculators). Let’s start with the demand side of this equation. Crude oil consists of very long chains of carbon atoms. The refineries take the crude and essentially “crack” those long chains of carbon atoms into shorter chains of carbon atoms to make various petroleum products. Some of the products that are made from petroleum may surprise you. Good day in the markets Bad day in the markets 0.3–0.5 Country Kuwait Canada is blue because it is not only friendly with the US, but also has the ability to increase oil production. The other countries are red because they either have decreasing oil production, or the country is not on good terms with the US government, or the production may be at risk for various reasons. The “red countries” all sell oil to the US at higher prices than does Canada. As I said, the US imports about 7 million barrels of oil a day, and our top 5 exporters make up between 5.6 and 6.8 million barrels while the rest is split among other countries. This means that even though the US has significantly increased its oil production in the past five years, a good chunk of oil has to be imported at much higher prices. And higher crude oil prices for refineries means higher prices at the gas pump. But that’s not the only issue: The “new oil” produced from the shale oil fields in the Bakken and Eagle Ford formations isn’t cheap. Both the Bakken and Eagle Ford have been hugely successful, and an average well in either region can produce over 400 barrels of oil per day. That may sound like a lot, but drilling thousands of meters into the ground (both vertically and horizontally), then casing and fracking the well, costs millions of dollars. And the trouble doesn’t end once the well has been drilled: oil and gas production can drop as much as 50% in the first year. Think of it as running on a treadmill—but the incline gets steeper and steeper the longer you run. That’s the current reality of America’s oil production. Now, these areas also have to deal with declining legacy oil production (“legacy” meaning older oil wells that produced before fracking became popular) due to depletion rates. Freeze-offs, and even hurricane season can affect the legacy oil wells’ production decline. As the old wells begin to deplete, they need to be replaced by unconventional wells with horizontal drilling and hydraulic fracturing. Even though these new wells provide an initial burst of production, they decline very quickly. That means you need to drill even more wells just to keep up—and the vicious cycle continues. The costs, as you can imagine, are forbiddingly high. Even in known oil-rich regions like the Bakken and Eagle Ford, the all-in cost of extracting a barrel of oil from the ground can cost as much as US$75 per barrel (for comparison, Saudi Arabia can produce oil for as low as US$1 per barrel). To put it in simple terms: cheap oil in North America is a thing of the past. So, the US produces expensive oil and relies on imports of even more expensive oil. And since the refiners need to make money as well, this means higher prices at the pumps. Who loses? The US consumer, of course. What would help lower gas prices? Building more pipelines to deliver cheaper Canadian oil to refineries in the US and decreasing the refineries’ dependence on expensive foreign oil. Until these new and much safer pipelines are built, rail has to pick up the slack. Almost 400,000 railcars full of oil are expected to be shipped in 2013, compared with just 9,500 railcars in 2008, a whopping 41-fold increase. But rail is not the answer. In fact, transporting oil by rail is much more dangerous than transporting it by pipeline. Just last week, we wrote about two recent accidents, one of which claimed 47 lives. Federal and state taxes at every step of the gasoline-making progress make the pain at the pump even worse. The US government already takes more than 60% of the divisible income from every barrel of oil produced… and another 50 cents per gallon at the pump. Then there’s the matter of Obama’s supposed “Green Revolution” and how America would be saved through the use of alternative energies. Obama wrote massive checks to different renewable energy firms that went belly-up, the most famous of them all being solar panel manufacturer Solyndra, whose bankruptcy cost American taxpayers more than $500 million. Obama is also a heavy supporter of ethanol (his home state of Illinois, after all, is the third-largest ethanol-producing state) and has increased the targets for the use of ethanol in transportation. Someone has to pay for all of these subsidies, so why not get the dirty, evil oil companies to pay for them? Keep in mind, though, that the oil companies have enough lobbyists and lawyers to keep the government at bay—so the higher prices will be passed on to the consumers. To sum up why the price of gasoline is so high even though the US is producing so much more oil than before: The high cost of American oil production Even higher costs due to imported (non-Canadian) oil Obama not allowing cheaper Canadian oil to flow to the refineries via pipelines such as the Keystone XL The taxes on crude are used to fund Obama’s green dream—his green-energy “legacy”—and his love for ethanol and the taxes at the pump will not decrease So what does this mean for you, the consumer? You have two options: You can gripe about high gas prices… or you can choose to profit from the situation, no matter how dire. If you’re the former type, so long, and I hope you enjoyed my missive today. If you’re the latter, let’s talk money. Who am I? Well, I kinda look like this guy… I stand by my performance and offer anyone reading this article a guarantee: if you try the Casey Energy Report today and do not think that it’s the absolute best energy newsletter in the business, you get all your money back, no questions asked. I’m not saying I’m perfect (my wife reminds me daily that I’m not ), but I’m willing to put myself out there and offer you a challenge to expand your knowledge and become a better investor. All of my past newsletters, going back to 2006, are up on the Casey website, and I want you to check them out. I have lost money on investments (anyone who says they haven’t is a liar), but I made sure I learned something from every harsh experience. And overall, I’ve made much more than I’ve lost. Our energy portfolio has been delivering +50% gains since January 1, 2012. Right now, I’m the first to publish on what I think is going to send my track record to the moon. I’m on to an investment theme that I believe has the potential to make 10-fold returns for investors who play it right. That theme is the European Energy Renaissance. Doug Casey and I are convinced that new technologies applied in the Old World will bring huge New World profits. But don’t take my word for it—I challenge you to try out my research. Click here to take me up on my 100% money-back guarantee. Additional Links and Reads OPEC Warning of $150 Oil Price If Member Countries Cut Investment (The National) What people often forget about the oil and gas sector is that it is a very capital-intensive business. If companies (or countries) do not consistently re-invest in their production, the amount that comes out of the fields inevitably drops lower and lower. To make matters worse, the demand for oil within petroleum-exporting countries is increasing due to population growth. This means much less will be available for exports, leading to higher oil prices worldwide. Pirates Abduct Two Americans on Oil Ship Off Nigeria Coast (New York Times) Piracy is still a very real concern worldwide when it comes to shipping, adding yet another layer of risk in the global oil and gas trade. Though the phenomenon has died down somewhat in Somalia, we see that piracy is still alive and well in other parts of the world. In the latest event, two American citizens have been abducted in Nigeria. This could be the beginning of a worrying trend of increased piracy around parts of Africa. Final Keystone Review Assesses Potential of Oil-by-Rail Transport (Globe and Mail) US officials are currently considering whether transporting oil by rail is a viable alternative to the pipeline. However, as we have mentioned in previous issues of the CDD, they will soon find that despite the fact that it’s theoretically possible to ship the oil by rail, it will be much more expensive and much less safe. If it comes down to a clash of the lobbyists, however, who knows what could happen?last_img read more

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In This Issue   Markets think the elections ar

first_imgIn This Issue. *  Markets think the elections are good for the U.S. *  Gold loses $28 and probably more as the day goes on! *  Canada gets a renminbi hub! *  U.S. Trade Deficit soars to $43 Billion! And Now. Today’s A Pfennig For Your Thoughts. Currencies & Metals Get Ambushed! Good Day!…  And a Wonderful Wednesday to you! Right from the top this morning (and before I have a senior moment) I want to say a GREAT BIG HAPPY BIRTHDAY to the lovely Rachel Butler. Oldest son, Andrew’s lovely bride, Rachel. I always think of the first time I met Rachel, it was at the Annual Butler Christmas Party, and I thought, she’s perfect for Andrew! And so it was, a few years later, they were married! Now, she’s a Butler, and a big part of our family. Happy Birthday, sunshine. Well, there’s no sunshine for the currencies and metals this morning, and guess what’s getting blamed for this ambush this morning. The results of the mid-term elections in the U.S. last night, which saw the Republicans gain the Senate for the first time in long time, and the markets are all giddy about this prospect.  It seems they think that this will grease the tracks for clearer decision-making to take place. Hey! I didn’t say that, the pundits out there in writer-land did! I’m just reporting what they are associating the ambush on the currencies and metals this morning with. Of course, I could very easily say to them, if they would hear me now and listen to me later, that this is no panacea for debt cutting, and budget balancing. For, when this dollar weak trend began we had the same scenario, expect the President was from the other party. Remember that? So, I guess what I’m saying is that there’s no guarantee that business will recover because of the party in charge. And that’s all I’m saying about this political stuff, because it gets me nowhere, I’ll tick off half the readers, and make the other half not so happy because I didn’t jump up and down in an euphoric dance!  But, the damage to the currencies and metals this morning is UGLY. They aren’t just getting hit with the UGLY stick, they are having the whole forest hit them! Gold is down $26 this morning, and looking like it could go even lower. Last night I was reading a report from Casey Research, and the headline of the story read: Sellers Waterboard Gold – Is The Price Torture Over?  Well, the markets are answering them this morning, and saying not no, but Hell No! I saw another conspiracy thought yesterday regarding who’s behind this latest drive to get Gold cheaper. The thought centered around the Swiss Gold Referendum. Saying that the Swiss are behind this move to get Gold cheaper, for they believe they will lose the resistance to the Referendum, thus requiring them to buy 1,700 tonnes of Gold, as I explained last week. Well, if they have to start buying, wouldn’t it be better to start at a cheaper price? Of course it would be. But let me ask this question, and don’t get me wrong, the idea is solid, just not the player. Do they really think the Swiss National Bank (SNB)  have enough intestinal fortitude to do this? I don’t.  But then they did pull of that devaluation of the franc two years ago, and the markets barely batted an eye. Well, this is no fun. watching Gold get ambushed day after day by the paper trades. As I told you yesterday, Koos Jansen reported that China has an insatiable demand for physical Gold, and Russia, and Turkey, and Brazil, I could go on, but just about every county in the East and Middle East are adding to their Gold reserves. Are they doing this for the hell-of-it? Or, are they doing so, because they see something coming down the pike that’s going to be UGLY. Even uglier than this ambush of the currencies and metals this morning by the dollar bugs. But you know. I told you months ago that I thought the dollar was ready to have a short period of strength, and could drive the euro down to below 1.20. I just didn’t think it would come this quickly, which leads me to believe that we could very well see a bounce that’s based on the drop in the currencies was too far, too fast. We usually see that. I’m just saying. OK. on Monday I told you the Big News regarding the direct convertibility of the Chinese renminbi, with Singapore dollars. Well, it was Big News as far as I’m concerned, and let me remind you that in 2008, I began writing about the currency swap agreements that China was signing with one country at a time, and thought that too was Big News, even if most news outlets didn’t see it that way.   And then yesterday, in the Canadian National Post, was more Big News. Apparently, this coming weekend, when Canadian PM Stephen Harper visits China, both he and the Chinese will use the visit as an opportunity to announce that Canada (Toronto) will become a trading hub for the renminbi, thus allowing Canadian firms to trade directly in the local Chinese currency, rather than converting loonies in U.S. dollars to do business in China.   This is the culmination of the currency swap agreement that was signed last year between the two countries, where they agreed to swap each country’s currency, thus leaving out the U.S. dollar, in the terms of trade between the two countries.  Now there is a Hub in Canada, for depositing renminbi, by Canadian firms doing business in China. It just keeps growing bigger and bigger all the time folks. The Chinese drive to gain a wider distribution of the renminbi, which is the number one requirement of a reserve currency! I don’t know of any other way I can emphasize the importance of the news regarding the renminbi this week. I can no longer do handstands or cartwheels (I was a on the “tumbling team” as a young man in elementary school, yes, I know, look at me now, go ahead and laugh, that’s OK, I know that somewhere in this extra-large body is the Chuck that was quite, what my dad used to call, a country athlete)  But I digress.   What I’m saying is this is absolutely crazy that no news outlets are of the same mind as me and believe this news is important. UGH! I told you yesterday that the Reserve Bank of Australia (RBA) left rates unchanged, and didn’t take their meeting as an opportunity to deep six the Aussie $ (A$). But today, the A$ has lost over 1-full cent. Why? Wasn’t the fall from $1.04 to the low 90-cent range, tied to the weak prices in commodities, namely iron ore? And then the fall from the low 90-cent range to 88-cents due to RBA jawboning the currency lower? And then what’s to blame for this next downward move?  I really think the interest rate differential narrowing talk in favor of the U.S. dollar is getting overblown. But it is what it is, right? We have to deal with it. until someone has a V-8 head slap moment, and realize they have been premature with their thoughts about rates in the U.S.. That could take some time, folks, for these knuckleheads have very thick skulls! Or, it could last until the next round of QE is announced. Yes, I know that’s not carved in stone, and it might never happen, but as I said the other day, if it doesn’t ever happen, then I’ll believe that pigs can fly.  So, I guess it would be good to talk about when I suspect the next round will come. They were discussing the timing of the next round of QE (QE4) in the 5 Minute Forecast / The “5” last Thursday, and they said that James Rickards pointed out that” the time between the end of QE1 and the start of QE2 was 17 months. The time between the end of QE2 and the start of QE3 was 15 months. So, expect QE4 in late 2015″.  And I thought, no, no, no, that can’t be, I see the lack of liquidity and the drop in inflation happening far before that. And then The “5” went on to say that they have this “Oh Sh*t” Graph, that tracks inflation. And funny thing, every time, since 2009, that inflation dropped below 2.2%, the Fed has embarked on another round of QE, and guess what the graph is telling us now?  “Uh-Oh, the line has been breached!  Inflation has dropped below 2.2% again. Come again, I hear you saying. Are you telling me that we could expect QE4 at any time now? Ahhh, grasshopper, not quite yet. the Fed will have to see that all their hard word of the past 6 years is being undone for sure first.   Because consumer inflation can be volatile, but we should continue to look for this to happen. And when it does, all this talk of dollar strength will be reversed, or at least that’s how I see it, it’s my opinion and I could be wrong! Well, the U.S. Trade Deficit widened by an amount that was not seen or forecast by the experts in September, and guess what the culprit was? Well, first let’s talk about the size of the Trade Deficit, which printed at $43 Billion in September, up from $40 Billion in August.  The deterioration came from exports falling 1.5% and imports remaining unchanged.  So, guess what the culprit was?  The relatively stronger dollar.  Just another unintended consequence of a strengthening currency on a country that depends so much on exports to offset the imports that are usually quite high.  Of course, exports could have been held down too, by the slowing economies of the world. But, these countries still need capital goods, no matter how slow their economies are, just like here in the U.S. we import things like Oil no matter how slow the economy is. The U.S. Data Cupboard was busy yesterday with the Trade Deficit print, and the ugly -.6% negative print of Factory Orders, which wasn’t as bad as August’s -10% print, but ugly nonetheless.  The NY regional ISM (manufacturing index) fell from 63.7 to 54.8. That’s a HUGE drop, but these regional reports can be volatile, and I grew tired of reporting on them because they never seemed to have any bearing whatsoever on the National ISM, but this one stuck out like a man with a hatchet in his forehead! Today’s Data Cupboard will begin to get us ready for the Jobs Jamboree on Friday, when the ADP Employment Change report for Rocktober. This report is expected to show that 220,000 jobs were added in Rocktober.  The song: The Walker, by Fitz and the Tantrums is playing, and I have the speakers turned up so loud, it’s a good thing I’m here by myself! This is a real  wiggle and bounce in your chair song!  I had a laugh the other day, when the National ISM report and the Markit version of ISM printed for Rocktober.  One showed a HUGE gain in the index up to 59, and the other showed a lower number of 55. Now remember this printed on Monday before the elections yesterday, so guess which one the Gov’t is responsible for printing and which one is a public company. Are you laughing out loud with me on this? That gain to 59 was so trumped up that it made it look ridiculous! The size of the, no wait I can’t say that. I’ll just say that the boys and girls printing that number were brave, eh? I read a story on the Bloomberg this morning that pretty much sums up the data prints in the U.S..  Let’s see what the Bloomie has to say.. “Paul Singer’s Elliott Management Corp. said optimism on U.S. growth is misguided as economic data understate inflation and overstate growth, and central bank policies of the past six years aren’t sustainable. Nobody can predict how long governments can get away with fake growth, fake money, fake jobs, fake financial stability, fake inflation numbers and fake income growth,” New York-based Elliott wrote. “When confidence is lost, that loss can be severe, sudden and simultaneous across a number of markets and sectors.” Amen brother! I think this is bang on, folks. and I’m glad I happened to see it, as I was looking through stuff on the Bloomie this morning. My email box was loaded with emails from the WSJ and Washington Post this morning, giving me the results of the all the races, as if I really wanted to see all those! UGH!, so I spent part of the morning, deleting over 100 emails!  Gold isn’t the only metal getting ambushed this morning by the dollar. Silver has a $15 handle, Platinum has lost $25, and Palladium has lost $42 since yesterday morning. OMG! (oh my goodness!) This is crazy folks, just downright crazy! For What It’s Worth. There’s something happening here, what it is, ain’t exactly clear.  Yes, I’ve waited a long time to use that line after the FWIW beginning. and today’s piece works out perfectly, for we have some numbers, but it’s just not clear what to make of them yet.  I saw the headline on Ed Steer’s letter, and so I went to the site at Newsmax.com to find the story. Are you ready? Yes, I’m ready. “The portion of home purchasers who are first time buyers dropped to 33 percent for the 12 months through June, the lowest since 1987, and down from 38 percent a year earlier, according to a survey by the National Association of Realtors. The average since 1981 is 40 percent. “Rising rents and repaying student loan debt makes saving for a down payment more difficult, especially for young adults who’ve experienced limited job prospects and flat wage growth since entering the workforce,” Lawrence Yun, the NAR’s chief economist, said in a statement. Average hourly wages for all workers rose only 2 percent in the 12 months through September. “Adding more bumps in the road is that those finally in a position to buy have had to overcome low inventory levels in their price range, competition from investors, tight credit conditions and high mortgage insurance premiums,” Yun said.” Chuck again. Chris and I were talking about housing and housing loans yesterday, and in the previous day, we discussed with one of our mortgage guys in Jacksonville, who told us that there is more pressure on banks to give loans to low credit rating borrowers. Chris and I said, isn’t that what got us in this crazy financial meltdown to begin with?  And then Mike Meyer chimed in and said, ” Yes, and when it all crashes like it did before, who are they going to blame? The Banks for giving the low credit borrowers loans!”  I shake my head in disgust that this is happening again. To recap. The currencies and metals are getting ambushed by the dollar this morning, and it’s all due, according to the stories on the wires, to the Republicans winning the Senate which gives them the ability to set the course for the President’s last two years, and the markets believe this will be clear decision-making. Of course Chuck pointed out that we’ve seen this before, about 12 years ago at the beginning of the weak dollar trend. so, he’s questioning their thought process. (but isn’t Chuck always questioning the markets’ thought processes? HA!) Gold is down $28 as I write, and looks like it could be one of those really ugly days for the shiny metal. Canada will have a hub for renminbi to facilitate trade and allow the direct exchange of loonies and renminbi in the terms of trade. This is HUGE news folks, but don’t tell the news agencies, or the markets, they can’t seem to find their rear end with both hands. Currencies today 11/5/14. American Style: A$.8620, kiwi .7735, C$ .8740, euro 1.2480, sterling 1.5905, Swiss $1.0365,  . European Style: rand 11.1495, krone 6.8845, SEK 7.3840, forint 247.45, zloty 3.3940, koruna 22.2830, RUB 44.18, yen 114.70, sing 1.2955, HKD 7.7525, INR 61.41, China 6.1503, pesos 13.63, BRL 2.5200, Dollar Index 87.53, Oil $76.96, 10-year 2.35%, Silver $15.24, Platinum $1,200, Palladium $757.80, and Gold. $1,141.35 That’s it for today. Well, did you get out and vote? It was an ugly rainy day here, so getting out to vote took effort, but I did my part despite the weather. It’s difficult for me on days like this when everything that I believe about economics, markets, and trading is shattered, shaken, and left for dead. But about 7 years ago, after being told I had Stage 4 cancer, I began to have a different outlook about those things I couldn’t control. I have no control over the markets, or the people that make up numbers for economic reports, or created Trillions of dollars with one stroke on a keyboard, so I work diligently to not let these things get to me. Instead I attempt to focus on what’s important. like Rachel Butler’s birthday today! I understand that we’re going to dinner tonight to celebrate Rachel’s birthday, so that should be fun!  Shooting Star is playing their hit song: Last Chance, on the IPod, man that was a big song in the 80’s. They were a Kansas City, Mo band, so they got a lot of air time here in St. Louis.  See, there, a little rock history on top of all the other things we talked about today, where else can you get such a wide array of information in one place. Like the Wide World of Sports. Spanning the Globe. And then the sky jumper falls off the ramp.   Good and bad. just like the everything else. But the good today is that it is Rachel’s Birthday! YAHOO!  And. our catcher, Yadier Molina won his seventh consecutive Gold Glove! WOW!  Ok. time to get out of your hair today. that is if you have any left after seeing the ambush. I hope you have a Wonderful Wednesday! Chuck Butler President EverBank World Marketslast_img read more

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Study 5000 Is the SelfDriving Car Sweet Spot

first_img 2 min read Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals Tom Brant This story originally appeared on PCMag Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. An academic study suggests people are willing to pay just around $5,000 more for fully autonomous cars than typical vehicles. Add to Queue Study: $5,000 Is the Self-Driving Car Sweet Spot Sometimes it’s tough to make sense of the hodgepodge of technologies that currently describe the “self-driving car” buzzword, from lane departure warning systems all the way up to Tesla Autopilot, not to mention industry jargon like “Level 5 automation.”So why not organize autonomous driving technologies by how much people think they’re worth? That’s what a group of economists and engineers tried to do in a paper published in March, CNET reports. The model suggests that on average, Americans are willing to pay a $3,500 premium for a partially automated car and a $4,900 premium for a fully automated one. For comparison, $4,900 for full automation is very similar to what Tesla charges for its most advanced Autopilot, which costs a little over $5,000.The researchers’ model is based on interviews with 27 potential car buyers in New York City and upstate New York. As you might expect, just four of the New York City residents drove a car every day, while all of the 15 upstate New Yorkers commuted via car daily. The two groups perceived similar benefits from self-driving cars, from increased productivity and safety to easier and quicker parking.After crunching the numbers, the researchers found a fairly even segmentation of the demand for automation: about one-third of people are keenly interested and willing to pay $10,000 or more for self-driving features, one-third are ambivalent and the remainder isn’t willing to pay for automation at any price.As the researchers note, however, one of the key problems with such a study is that it’s based on a hypothetical purchase scenario: their study participants weren’t actually buying a car, and even if they were, there are very few models on the market that come with full automation on the level of the Tesla Autopilot.Still, it’s good to establish a peer-reviewed benchmark for how much self-driving tech should cost at this early stage in its development. If it follows the cheapening pattern of most other technology (and the government continues to urge its inclusion in new cars), you might one day be able to do yoga in your Toyota Corolla on the highway for far less than $5,000.center_img May 10, 2017 –shares Self-Driving Cars Image credit: Tesla via PC Mag Next Article News reporter Register Now »last_img read more

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Download Entrepreneur Magazines App for Apple and Android

first_imgEntrepreneur Corporate Communications Download Entrepreneur Magazine’s App for Apple and Android 3 min read Next Article Free Webinar | July 31: Secrets to Running a Successful Family Business –shares Image credit: Entrepreneur Access the latest issues of Entrepreneur and enjoy the latest news, videos and how-to articles-in one place, on any of your Apple or Android devices, and on your own terms. Entrepreneur Media Corporate Communications Here at Entrepreneur, we are always seeking ways to make it easier for you to get the information you need to boost your business productivity. We know you’re busy—and reading and viewing the latest business advice, trends and tips should be a bright spot in your day.To improve your Entrepreneur experience, we are excited to announce the latest evolution of our mobile app. In one seamless experience, you’ll find an ongoing stream of the latest news, how-to articles, exclusive interviews and videos from Entrepreneur.com. If you’re a magazine subscriber, you can access the newest issue of Entrepreneur magazine, plus your favorite archived issues, in a new mobile-optimized display that auto adjusts across your devices.Download the Entrepreneur magazine app on your iOS or Android device and enjoy:More Content: View the latest news and videos including trending articles, exclusive interviews, infographics, and more from Entrepreneur.com. Plus, access the latest issues of Entrepreneur magazine.Interactive Features: Now use 3D Touch, Interactive Push Notifications and Save for Later, which allows you to save content and read it later offline on your preferred device (syncs user content across multiple devices) for efficient, practical reading.Easy Read, Optimized Display : Enjoy the same fluid reading experience found right here on our website, no matter what you’re reading (our magazine articles are no longer bound to a fixed PDF layout) or what you’re reading on (the presentation will auto adjust to the device and screen orientation).In short, you can now effortlessly enjoy our magazine and digital content—in one place, on any of your Apple or Android devices, and on your own terms.How Does This Work?Our improved app will retain the Entrepreneur magazine name and we will be phasing out the Entrepreneur Daily app. Here’s how you get it:If you use the Entrepreneur Magazine app on iOS or Android: You don’t need to do anything. Depending on your settings, the app update will automatically update on your device or you may be required to activate the update. That’s it!If you use the Entrepreneur Daily app on IOS: You will need to download the new Entrepreneur magazine app. If you use the Entrepreneur Daily app on Android: You will need to download the new Entrepreneur magazine app. Note: While you will have still access to all our great digital-only content, the full digital magazine articles is only available to subscribers. You can easily upgrade within the app.Thank you for your past and continued readership. We look forward to bringing you the business productivity content you need in an easy-to-read format you’ll enjoy.Download the Entrepreneur magazine app on your iOS or Android device now. Add to Queue Register Now » May 26, 2017 Learn how to successfully navigate family business dynamics and build businesses that excel. Opinions expressed by Entrepreneur contributors are their own.last_img read more

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What to Expect at Apple WWDC 2017

first_imgApple This story originally appeared on PCMag 2019 Entrepreneur 360 List June 5, 2017 The only list that measures privately-held company performance across multiple dimensions—not just revenue. Add to Queue Apple’s annual Worldwide Developer Conference (WWDC) kicks off Monday in San Jose, where we expect to hear about the new versions of iOS and MacOS, and perhaps One More Thing.We’ll have hands-on coverage from the event floor that day, but for now, here are some of the most prominent rumors and likely announcements making the rounds in the lead up to the keynote.iOS 11 and MacOS 10.13The only true surefire bets for WWDC are new versions of Apple’s mobile and computer software platforms. Most Apple consumers will end up with some or all of the announced features depending on which products they use, and developers are eager to hear what they’ll have to work with, so these will be the stars of the show.Expect the usual updates to core apps like Safari and Mail, with productivity enhancements across the board. Exact feature additions will read more like a wish list since little is known or confirmed currently, but maybe we’ll see announcements like conference calls in FaceTime.Improvements for watchOS and tvOS should also be on display, mainly in the form of more integration into the two main platforms. Increased Siri functionality and unification across the platform might play a big part in the conference, too, especially if the next rumor turns out to be true.Siri speakerApple’s answer to Alexa (and more recently, Google Home) has been long expected, and it seems like this could be the year we finally see one.Whether this is something consumers are itching for remains to be seen — no doubt many interested in a voice assistant have given in and purchased an Amazon Echo or Google Home by now, but the Apple ecosystem could be enough of an incentive to buy. Either way, Bloomberg reports that a Siri speaker has already entered production, so there’s a good chance we see it on Monday.That said, Apple could wait to debut the speaker later in the year, which would be closer to its expected shipping date. If reports are true, it will differentiate itself from the Echo and Google Home with features like virtual surround and, as mentioned, integration with the already ubiquitous lineup of Apple products in millions of homes.MacBook and MacBook Pro refreshesThe standard MacBook and MacBook Pro lines were given some love in 2016 with modest redesigns and, in the case of the Pro, the introduction of the Touch Bar. As such, any announcements about these two lines at WWDC will likely include minor component updates, such as the latest generation Intel processors, rather than major physical or feature changes.There have been some industry rumblings to support this speculation, but it may turn out this traditionally software-focused event saves its MacBook overhaul for a product that might need it a little more attention.New MacBook Air?The Air remains an all-time favorite laptop for many, despite Apple’s relatively infrequent updates to the line. It’s appealing as the cheapest (comparatively) entry in Apple’s laptop line, and did not receive the 2016 refresh its counterparts did. An “if it ain’t broke, don’t fix it” approach makes some sense here, but the most recent MacBook Air was released in 2015, and if Apple skips another upgrade, 2018 is an awfully long wait in computer time.If it does arrive, expect a USB-C only approach, since even the “thicker” 2016 MacBook dropped the larger standard USB ports. The 1,440-by-900-display resolution would almost definitely receive a boost, since it was already on the low side in 2015, and its great battery life may very well creep even closer to 20 hours.Refined iPad ProIf the existing 9.7- and 12.9-inch iPad Pro models don’t do it for you, how does something in the middle sound? Thanks in part to analyst expectations (as reported by Mac Rumors), there’s plenty of buzz suggesting a 10.5-inch iPad Pro will be revealed at WWDC that similar in size to the 9.7-inch model.The extra screen space will be made possible by much thinner bezels — nearly edge-to-edge — so that Apple can fit a larger screen in a smaller body. In fact, it may replace the 9.7-inch version altogether, since it’s essentially the same size with a bigger display. Odds are this won’t be the only upgrade: The usual component updates like better cameras, a new processor, and maybe a new Apple Pencil would fill out the rest of this announcement. Apply Now » Matthew Buzzicenter_img Next Article Check out the most prominent rumors and speculation about WWDC ahead of Monday’s keynote. Writer Image credit: via PC Mag 4 min read What to Expect at Apple WWDC 2017 –shareslast_img read more

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Facebook May Take Extra Steps to Remove AntiVaccine Misinformation

first_img Facebook is “exploring additional measures” to fight anti-vaccine disinformation, according to Bloomberg. Content discouraging parents from vaccinating their children has been rampant on the site, particularly in Facebook Groups, and may have contributed to a measles outbreak in Washington State. That caught the attention of U.S. Representative Adam Schiff, who wrote a letter to Facebook and Google asking them to address the problem.Schiff noted that Facebook is surfacing and recommending messages that may pose a threat to public health. For instance, the Guardian recently reported that Facebook was accepting and promoting ads from anti-vax groups. “Repetition of information, even if false, can often be mistaken for accuracy,” he wrote. “The algorithms which power these services are not designed to distinguish quality information from misinformation.”Facebook said that it’s “exploring additional measures to best combat the problem,” including “reducing or removing this type of content from recommendations, including ‘Groups You Should Join,’ and demoting it in search results, while also ensuring that higher quality and more authoritative information is available.”The resurgence of measles is of serious concern, with extended outbreaks occurring across regions, and particularly in countries that had achieved, or were close to achieving measles elimination.Google recently said YouTube would restrict video recommendations that “could misinform users in harmful ways,” including anti-vaccine videos. It also said recently that would provide links alongside videos on “historical and scientific topics that have often been subject to misinformation.” Until recently, anti-vax videos topped results for “vaccine” searches, but the top results now appear to be from sites like Last Week Tonight attempting to dispel vaccination myths. However, Robert F. Kennedy’s widely debunked anti-vax documentary is still in the top 10.The CDC notes that vaccines have been proven safe and effective and only result in minor side effects. However, avoiding them can put not just your own children but others at risk, particularly small babies who have yet to be inoculated. “Without urgent efforts to increase vaccination coverage … we risk losing decades of progress in protecting children and communities,” said Unicef’s Dr. Soumya Swaminathan. Add to Queue 2 min read Next Article Register Now » –shares Image credit: Fred Tanneau | Getty Images via engadget Facebook Steve Dent February 15, 2019 Facebook May Take Extra Steps to Remove Anti-Vaccine Misinformation Learn how to successfully navigate family business dynamics and build businesses that excel. This story originally appeared on Engadget Conspiracy theories on the site may have contributed to a measles outbreak. Free Webinar | July 31: Secrets to Running a Successful Family Businesslast_img read more

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Antiinflammatory biologic therapy may prevent heart disease in patients with skin condition

first_img Source:https://www.escardio.org/ Reviewed by James Ives, M.Psych. (Editor)Feb 5 2019Anti-inflammatory biologic drugs used to treat severe psoriasis have the potential to prevent heart disease in patients with the skin condition, according to research published today in Cardiovascular Research, a journal of the European Society of Cardiology (ESC). During one year of treatment, biologic therapy improved coronary artery plaque similar to the effect of a low-dose statin.”Psoriasis severity is related to the burden of coronary disease – our findings suggest treating the psoriasis may potentially benefit coronary heart disease,” said study author Dr Nehal Mehta, Chief of Inflammation and Cardiometabolic Diseases at the National Heart, Lung, and Blood Institute (NHLBI), National Institutes of Health (NIH), Bethesda, Maryland, US.Psoriasis causes scaly skin patches, often on the elbows, knees, scalp, and lower back. Patients with the skin condition have an elevated risk of heart disease – young patients with severe psoriasis are at twice the risk of having a first heart attack at 40-50 years of age.Psoriasis patients often have inflammation throughout the body and may be treated with anti-inflammatory biologic therapy when their skin condition is severe and topical treatments or phototherapy have failed. This study investigated whether treating severe psoriasis with a biologic could improve the health of the coronary arteries.The study found that patients with severe psoriasis who took biologic therapy for one year had an 8% reduction in total and non-calcified coronary plaque burden, a frequent cause of heart attacks (see figure) – similar to the effect of a low dose statin. The make-up of coronary plaques also improved in those taking biologics, making them less risky. Coronary plaque burden increased by 2% in patients who did not take a biologic.Dr Mehta said: “We found that these anti-inflammatory drugs commonly used to treat severe psoriasis also improve plaque in the coronary artery making them more stable and less likely to cause a heart attack. This occurred in the absence of changes in traditional cardiovascular risk factors including blood pressure and blood lipids.”Related StoriesStroke should be treated 15 minutes earlier to save lives, study suggestsCutting around 300 calories a day protects the heart even in svelte adultsCancer incidence among children and young adults with congenital heart diseaseDuring the one-year study, systemic inflammation assessed by blood markers reduced only in the group taking biologic therapy. Dr Mehta said it is too early to say whether biologics exert their effects on coronary plaques directly or by reducing systemic inflammation.He said: “This preliminary study provides the first evidence that biologic therapy is associated with coronary plaque reduction and stabilization, and provides strong rationale for conduct of a randomized trial testing the impact of biologic therapy on the progression of coronary disease in patients with psoriasis.”Dr Mehta noted that some patients with severe psoriasis opt not to take a biologic medicine because they suppress the immune system and may increase the chance of infection. In addition, they must be injected.Previous research has shown that in heart attack patients, anti-inflammatory biologic therapy reduces the risk of another cardiovascular event.2 “With the results of that study and our current one, my message to patients with psoriasis is to take untreated inflammation seriously,” said Dr Mehta. “When someone has severe psoriasis, they are at higher risk of heart attack and treating the psoriasis may reduce that risk.”The observational study included 121 patients with severe psoriasis who qualified for biologic treatment. Of those, 89 took biological therapy (one of three types) and 32 used topical treatment. All patients underwent imaging of their coronary arteries with computed tomography angiography at baseline and one year later to assess the amount and characteristics of plaques such as the necrotic core which causes plaque rupture.last_img read more

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New class of cancerkilling agents shows promise in destroying cancer stem cells

first_imgReviewed by James Ives, M.Psych. (Editor)Jul 9 2019Scientists at The University of Toledo investigating improvements to a commonly used chemotherapy drug have discovered an entirely new class of cancer-killing agents that show promise in eradicating cancer stem cells.Their findings could prove to be a breakthrough in not only treating tumors, but ensuring cancer doesn’t return years later — giving peace of mind to patients that their illness is truly gone. Taylor and Dr. L.M. Viranga Tillekeratne, a professor in the Department of Medicinal and Biological Chemistry in the UToledo College of Pharmacy and Pharmaceutical Sciences, reported their findings in a paper recently published in the journal Scientific Reports.Cancer stem cells are an intriguing target for researchers because of their potential to re-seed tumors.When doctors remove a tumor surgically or target it with chemotherapy drugs or radiation therapy, the cancer may appear to be gone. However, evidence suggests that a tiny subpopulation of adaptable cancer cells can remain and circulate through the body to seed new metastasis in far-off locations.Those cancer stem cells, Taylor said, are similar to dandelions in a well-manicured lawn.”You could chop the plant off, but it will drop a seed. You know the seeds are there, but they’re hiding,” he said. “You pull one weed out and another comes up right after it. Cancers can be like this as well.”Related StoriesCancer killing capability of lesser-known immune cells identifiedHow cell-free DNA can be targeted to prevent spread of tumorsTrends in colonoscopy rates not aligned with increase in early onset colorectal cancerThe small molecule they have isolated appears to lock on to those stem cells and kill them by blocking their absorption of an amino acid called cystine.UToledo was awarded a patent for the discovery late last year.For Tillekeratne and Taylor, uncovering a new class of therapeutic molecules could prove to be an even larger contribution to cancer research than the project they initially envisioned.”At present, there are no drugs that can kill cancer stem cells, but people are looking for them,” Tillekeratne said. “A lot of drugs are discovered by serendipity. Sometimes in research if you get unexpected results, you welcome that because it opens up a new line of research. This also shows the beauty of collaboration. I wouldn’t have been able to do this on my own, and [Taylor] wouldn’t have been able to do it on his own.”Tillekeratne has received a three-year, $449,000 grant from the National Institutes of Health National Cancer Institute to continue testing the effectiveness of the newly identified therapy.Because the molecules so selectively target cancer stem cells, it’s possible they could ultimately be paired with other chemotherapy drugs to deliver a more comprehensive treatment.However, the researchers have found their agents show stand-alone promise in treating sarcomas and a subtype of breast cancer known as claudin-low breast cancer, which represents up to 14 percent of all breast cancers and can be particularly difficult to treat. Source:University of ToledoJournal reference:Taylor, W.R. et al. (2019) Small-Molecule Ferroptotic Agents with Potential to Selectively Target Cancer Stem Cells. Scientific Reports. doi.org/10.1038/s41598-019-42251-5. Not all cancer cells are the same, even in the same tumor. There is a lot of variability and some of the cells, like cancer stem cells, are much nastier. Everyone is trying to figure out how to kill them, and this may be one way to do it.”Dr. William Taylor, professor in the Department of Biological Sciences, UToledo College of Natural Sciences and Mathematicslast_img read more

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Largest study finds CTE in 6 of athletes and nonathletes

first_imgReviewed by Alina Shrourou, B.Sc. (Editor)Jun 23 2019Nearly 6% of athletes and non-athletes were found to have the neurodegenerative disorder chronic traumatic encephalopathy (CTE) in the largest, and broadest, study conducted of the disease to date. The findings were published June 14 in the international journal Brain Pathology. Generally our findings point to CTE being more common in athletes and more common in football players, but this study is a bit more balanced and accurately reflects the general population compared to previous studies.”Lead author Kevin Bieniek, Ph.D., of UT Health San Antonio Dr. Bieniek led the research while at the Mayo Clinic before moving to Texas. He now directs the brain bank at the Glenn Biggs Institute for Alzheimer’s and Neurodegenerative Diseases, which is part of UT Health San Antonio.Unbiased screenCTE, linked with repetitive blows to the head, has been found in 80-99% of autopsied brains of pro football players. “Nobody has really looked at it from kind of an epidemiological perspective,” Dr. Bieniek said. “We compared people who played a sport with those who didn’t play. We studied both young and old people, and amateur players versus college and professional players. And we studied both men and women, which had not been done previously. What we aimed to do was an unbiased screen for CTE from all sorts of different cases.”Biographical information utilizedThe team scanned obituaries and high school yearbooks of 2,566 individuals whose brain autopsies are a part of the Mayo Clinic Tissue Registry. The study focused on a variety of contact sports: baseball, basketball, boxing, football, hockey, lacrosse, soccer and wrestling. Non-contact sports, such as golf and tennis, were excluded.This analysis identified 300 former athletes and 450 non-athletes. “We screened the brains of all of these cases for evidence of CTE in a blinded fashion, intentionally not knowing which brain tissue was related to which case,” Dr. Bieniek said.FindingsA small number of cases, 42, had CTE pathology (5.6% of the total). CTE was found in 27 athletes and 15 non-athletes, and in 41 men and one woman. American football had the highest frequency of CTE (15%) of the contact sports studied, with participation beyond high school resulting in the highest risk of developing CTE.Related StoriesStudy provides new insight into longitudinal decline in brain network integrity associated with agingStudy offers clues about how to prevent brain inflammation in Alzheimer’sIT Faces the Digital Pathology Data Tsunami”The 42 cases, or 6%, is more of a grounded, realistic number,” Dr. Bieniek said. “That might not seem like a lot, but when you consider there are millions of youth, high school and collegiate athletes in the United States alone who play organized sports, it has the potential of being a significant public health issue. There are many ongoing questions regarding CTE pathology, however, and we don’t want to discourage sources of healthy physical and cardiovascular activity like these sports. Rather, we emphasize safe strategies to reduce the possibility of head injuries and properly treat them when they are sustained.”Non-athletes’ casesThe identification of 15 CTE cases in non-athletes raises interesting questions, Dr. Bieniek said. “Did these people have trauma from another source?” he asked. “Were they actually athletes and we were unable to detect it from biographical information? Is there another disease with similar features?”Cases with CTE tended to be a bit older than the cases without it, and many CTE cases also showed evidence of Alzheimer’s disease. “At the Glenn Biggs Institute, we study the concept of multiple neurodegenerative disorders happening within the brain of a person who has dementia,” Dr. Bieniek said.The crucial role of donors”This is an important national study led by our brain bank director, Dr. Bieniek,” said Sudha Seshadri, M.D., professor of neurology at UT Health San Antonio and director of the Glenn Biggs Institute. “We have a great team of scientists at the Biggs Institute, and the brain bank is key to the research aims of these investigators. We are so grateful for the many patients and normal older persons who have signed on to be brain donors after their death. The program runs 24/7/365, is free to the family, and gives the family the peace and knowledge of a definitive diagnosis for their loved one’s condition.”Several studies related to traumatic brain injuries and CTE by Dr. Bieniek and his colleagues are currently ongoing at UT Health San Antonio, including how certain genetic variants might protect or put a person at higher risk for developing CTE. Source:University of Texas Health Science Center at San AntonioJournal reference:Bieniek, K.F. et al. (2019) Association between contact sports participation and chronic traumatic encephalopathy: a retrospective cohort study. Brain Pathology. doi.org/10.1111/bpa.12757.last_img read more

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