Congratulations to the following athletes and referees who have been selected to represent Australia in the Open Divisions at the 2017 Trans Tasman.Men’s OpenDaniel Barton NSW – Parramatta District Touch AssociationStuart Brierty WA – Southern District Touch AssociationSam Brisby NSW – Manly Warringah Touch AssociationScott Buckley NSW – Penrith Touch AssociationScott Bundy NSW – Doyalson Touch AssociationShaun Francis QLD – Townsville Castle Hill Touch AssociationNick Good NSW – Penrith Touch AssociationCody Green QLD – Brisbane Metropolitan Touch AssociationDylan Hennessey NSW – Hornsby Touch AssociationCormac Hoch QLD – Rockhampton Senior Touch AssociationJordan Marshall NSW – Paramatta District Touch AssociationBen Moylan NSW – Penrith Touch AssociationPeter Norman QLD – Gold Coast Touch AssociationJonathan Palau NSW – Manly Warringah Touch AssociationMatt Prowse NSW – Canterbury Touch AssociationCiaran Toner NSW – Hornsby Touch AssociationCoach: Tony TradAssistant Coach: Paul SfeirAssistant Coach: Phil Gyemore Women’s OpenElizabeth Campbell QLD – Brisbane Metropolitan Touch AssociationTayla Clifford NSW – Manly Warringah Touch AssociationMadison Crowe NSW – Central Coast Touch AssociationDanielle Davis NSW – Manly Warringah Touch AssociationRachelle Davis NSW – Manly Warringah Touch AssociationHannah Dyball NSW – Manly Warringah Touch AssociationEmily Hennessey QLD – Brisbane Metropolitan Touch AssociationAshleigh Kearney QLD – Ipswich Touch AssociationHayley Maddick QLD – Caboolture Touch AssociationPatricia Michaelopoulos NSW – Western Suburbs Touch Football AssociationLaura Peattie NSW – Manly Warringah Touch AssociationSamantha Rodgers NSW – Manly Warringah Touch AssociationCatherine Sargent QLD – Caboolture Touch AssociationKimberley Sue See QLD – Caboolture Touch AssociationTamika Upton QLD – Rockhampton Senior Touch AssociationMarikki Watego QLD – Gold Coast Touch AssociationCoach: Swain RovelliAssistant Coach: Craig MorrowManager: Kim Solman Mixed OpenJayden Benbow QLD – Rockhampton Senior Touch AssociationJames Blackwood NSW – Western Suburbs Touch Football AssociationJustin Costello NT – Darwin Touch AssociationTim Glazebrook SA – City Touch Touch AssociationSimon Lang NSW – Manly Warringah Touch AssociationJackson Mills NSW – Parramatta District Touch AssociationCameron Nicholls NSW – Western Suburbs Touch Football AssociationAdam Pryde QLD – Redlands Touch AssociationMichael Singh QLD – Labrador Touch AssociationJared Townson QLD – Townsville Castle Hill Touch AssociationElin Mortimer NSW – Western Suburbs Touch Football AssociationZara Nicholas NSW – Manly Warringah Touch AssociationLeah Opie NSW – Western Suburbs Touch Football AssociationPaige Parker QLD – Caboolture Touch AssociationLeah Percy VIC – Melbourne City Lions Touch AssociationKatherine Stevens QLD – Brisbane Metropolitan Touch AssociationCoach: Mick LovettAssistant Coach: Justin CreightonAssistant Coach: Dave NolanManager: Mark Harrington Referee Contingent Dave Baggio NSW – Wagga Wagga Touch AssociationRob Bowen NSW – Berkley Vale Touch AssociationBrett Freshwater QLD – Redcliffe Touch AssociationLuke McKenzie QLD – Wagga Wagga Touch AssociationKim Skelly NSW – Central Coast Touch Association
Twitter/@bobarcher1We’re still over six months away from the start of the 2015 college football season, but it’s never too early to start debating which teams have the best shot at reaching the second College Football Playoff. While most fans believe that Ohio State has a great shot at repeating as national champion, there will be plenty of challengers. ESPN has already put together its Preseason FPI Ratings – which is basically an estimate of team strength (more on that here). Not surprisingly, the Buckeyes check in at No. 1, with Alabama sitting at No. 2. It may shock some fans to see LSU at No. 3 and Baylor at No. 4, however. Here are the top 25 schools, per ESPN. You can see the entire list here – all 128 teams are ranked.1. Ohio State 2. Alabama 3. LSU 4. Baylor 5. Oregon 6. TCU 7. Notre Dame 8. Ole Miss 9. Georgia 10. Arkansas 11. Texas A&M 12. UCLA 13. USC 14. Tennessee 15. Oklahoma 16. Michigan State 17. Stanford 18. Auburn 19. Clemson 20. Arizona State 21. Florida State 22. Mississippi State 23. Georgia Tech 24. Missouri 25. Virginia TechSome other surprises? Notre Dame, despite a quarterback controversy, sits at No. 7. Arkansas and Texas A&M – two teams that did not finish with winning records in the SEC West – come in at No. 10 and No. 11. And in total, there are 10 SEC teams in the top 25.
ANN ARBOR, MI – NOVEMBER 19: Jabrill Peppers #5 of the Michigan Wolverines leaves the field after a 20-10 win over the Indiana Hoosiers on November 19, 2016 at Michigan Stadium in Ann Arbor, Michigan. (Photo by Gregory Shamus/Getty Images)Jabrill Peppers arrived at Michigan last year as one of the most heralded recruits in the country. However, his freshman season was cut short due to injury, and he ended up taking a medical redshirt.Michigan began spring drills this week, and judging by this video Peppers posted on Twitter, he’s 100 percent healthy and very fired up to be on the field.TURNT‼️ pic.twitter.com/GrnGLVUX6N— Breez (@JabrillPeppers) February 25, 2015That backflip was in the middle of special teams drills. Imagine how excited Peppers will be when he gets to play in the secondary.It will be interesting to see how Peppers looks in 2015, assuming he stays healthy. He has the ability to be a breakout player for the Wolverines.
zoom Not enough companies in the shipping industry are following joined-up risk management procedures, according to international accountant and shipping adviser Moore Stephens.The second annual Moore Stephens Shipping Risk Survey revealed a fall in the overall level of satisfaction on the part of respondents that sound risk management had contributed to the success of their organisations. The involvement of senior management in managing risk at the highest level also declined against last year.Respondents to the survey rated the extent to which enterprise and business risk management is contributing to the success of their organisation at an average 6.6, on a scale of 1 (low) to 10 (high), compared to 6.9 last time. Under a quarter of respondents (23%) returned a rating of 8.0, compared to 26% last time, while 70% put the figure at more than 5.0 out of 10.0, as opposed to 74% in 2015.Overall, respondents rated the extent to which enterprise and business risk was being managed effectively by their organisations at 7.0 out of 10.0 (unchanged from last time).Demand trends were deemed by the greatest number of respondents to pose the highest level of risk to their organisation, closely followed by competition, with the cost and availability of finance in third place.“The survey revealed that risk is being managed effectively within a high percentage of those organisations which participated in the survey. It is nonetheless disappointing to find that confidence in the level to which enterprise and business risk management contributes to the success of shipping organisations has fallen slightly in the past 12 months. So, too, has high-level involvement by senior managers,” Michael Simms, Moore Stephens Partner, Shipping & Transport, said.Simms added that the current rating of 7.0 out of 10.0 in respect of the level of effective management of risk at companies which participated in the survey is not too discouraging, however, “it needs to be higher, as does the figure of just over 40% of companies which formally document the management of risk.”
TORONTO – Toronto police say they will withdraw their application to march in the city’s Pride parade after event organizers said the presence of uniformed officers would make members of the LGBTQ community feel unsafe.Chief Mark Saunders says in a statement that he hopes the move “will be received as a concrete example” of the fact that he is listening closely to the community’s concerns.The announcement comes a day after Pride Toronto and other LGBTQ community groups posted an open letter online asking police to withdraw from the parade.Pride Toronto executive director Olivia Nuamah says the organization wants police to better communicate with the community rather than focus on participating in the summer parade.Nuamah notes that the force’s handling of several high-profile deaths connected to the city’s gay village, including the disappearances of six men allegedly murdered by an accused serial killer, have shaken the community’s relations with police.
To celebrate War Child’s 20th Anniversary, the charity has released an album with Parlophone Records that brings together some of the best tracks from their five albums – including the legendary ‘HELP’ from 1995, which raised £1.5 million.Best Of War Child AlbumSubsequent releases have featured the hottest names in music and raised not only funds, but profile, for our vital work.War Child 20: The Best Of was released as a digital album only on 18 February.With all proceeds of the sale coming directly to War Child, the album tracks have been selected to show the diversity and quality of all the artists who have supported the charity for the last two decades.To further commemorate their 20th anniversary, long time supporters Muse are giving away a free track to fans. Over six minutes long, the track starts with Muse’s take on the classic ‘House Of The Rising Sun’ before turning into an explosive version of ‘Time Is Running Out’. Download it here.The track listing for the Best Of album is as follows: Come Together: Smokin’ Mojo Filters (Paul McCartney, Paul Weller, Noel Gallagher) Lucky: Radiohead Fade Away: Oasis Mourning Air: Portishead Fake The Aroma: Massive Attack Raindrops Keep Falling On My Head: Manic Street Preachers Shipbuilding: Suede Miss Sarajevo: Passengers (U2 and Luciano Pavarotti) House Of The Rising Sun: Muse Ghost Town: The Prodigy Calico Skies: Paul McCartney Everyone Says Hi (Metro Mix): David Bowie Vietnam: New Order How You See The World No.2: Coldplay Hong Kong: Gorillaz Goodbye Yellow Brick Road: Keane Transmission: Hot Chip Leopard-Skin-Pill-Box-Hat: Beck Straight To Hell: Lily Allen (ft. Mick Jones) Running To Stand Still: ElbowTo find out how to download your copy of the album, click here.Source:War Child
26Jan Rep. VanderWall selected to serve on key House committees State Rep. Curt VanderWall, of Ludington, will serve as vice chair of the House Insurance Committee, Speaker Tom Leonard announced today.The Insurance Committee deliberates on various issues related to insurance, including private health insurance, Medicare and Medicaid, and auto insurance, among other issue areas.VanderWall will also serve as Vice-Chair of the Tourism and Recreation committee and a member of the Natural Resources and Financial Services Committees.“The issues that will come before these committees will directly impact the lives of the citizens back home,” said the freshman legislator. “It’s an honor to represent the voice of the communities in my district at the Capitol and I look forward to working with my colleagues to create solutions for our state.”House committees will have their first meetings in the coming weeks.### Categories: VanderWall News
Categories: Marino News,News 18Oct Rep. Marino introduces bill helping teachers finance classroom supplies Michigan public school teachers who buy their own classroom supplies would be eligible for an income tax credit through legislation introduced today by state Rep. Steve Marino.“From pencils and paper to iPad headphones, more and more Michigan teachers are spending money out of their own pockets to supply their classrooms every year,” Marino, of Harrison Township, said after introducing his legislation. “Their salaries aren’t covering these extra expenses. They deserve some help on their taxes to offset these work-related costs.”The legislation would provide a state income tax credit of up to $1,000 for a single filer and $2,000 on a joint return for those with adjusted gross incomes equal to or below the average salary for a Michigan teacher, which currently is $61,875.Classroom supplies eligible for the deduction would include books, computer programs and accessories such as headphones, art supplies, student awards and other materials needed for classroom projects.National and Michigan-based surveys indicate the average teacher spends hundreds of dollars of their own money on classroom supplies each year, and the costs are rising.“Our public school teachers are working hard and making sacrifices to help build a better future for Michigan,” Marino said. “The way this bill is designed, it will teachers who need the help the most.”###The legislation is House Bill 5136.
Davor Tomašković and Claudia NematDeutsche Telekom-owned Croatian telco T-Hrvatski Telekom has staked its claim to be the third operator in the EU to complete its migration to an all-IP infrastructure.According to the telco, all customers and services are now plugged in to an all-IP network, enabling it to offer higher quality services and develop advanced offerings as well as the convergence of fixed and mobile telephony and data services.T-Hrvatski Telekom has over the last five years replaced 72 local exchanges with two facilities located in Rijeka and Zagreb.CEO Davor Tomašković said that T-Hrvatski Telekom had invested more than HRK500 million (€65.5 million) in transitioning to an all-IP architecture since 2010 and that the company would invest over HRK1.3 billion this year in networks and services, 25% more than in 2014.Claudia Nemat, member of the board of T-Mobile Europe responsible for technology, said that the achievement was a trunign point for the entire Deutsche Telekom group.
Several 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.
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?
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. May 10, 2017 –shares Self-Driving Cars Image credit: Tesla via PC Mag Next Article News reporter Register Now »
Entrepreneur 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.
Apple 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 Buzzi 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 –shares
Reviewed by James Ives, M.Psych. (Editor)Oct 29 2018Blood pressure readings of 130/80 millimeters of mercury (mm Hg) or higher taken at home can be used to diagnose hypertension in white, black and Hispanic U.S. adults, according to new research in the American Heart Association’s journal Hypertension.”Until now, recommendations for diagnosing high blood pressure with measurements done at home were primarily from Japanese and European studies,” said Wanpen Vongpatanasin, M.D., study author, professor of medicine and hypertension director at UT Southwestern Medical Center in Dallas. “We didn’t know if these recommendations actually applied to U.S. adults.”Researchers analyzed large multi-ethnic studies that compared home blood pressure to clinic measurements of primarily young and middle-aged adults in Dallas, Texas and Durham, North Carolina. In 420 participants in the North Carolina clinic, high blood pressure readings (130/80) were confirmed with similar readings at home. In 3,132 participants in the Dallas study, researchers determined risks of stroke, heart attack and death associated with a clinic systolic blood pressure reading of 130 mm Hg. During the 11-year follow up, researchers also determined that people with high blood pressure levels measured at home had the same heart disease risk as people with similar levels measured by medical professionals.Related StoriesBlood pressure self-monitoring can help patients with hypertension to stick with exercise programMathematical model helps quantify metastatic cell behaviorDon’t ignore diastolic blood pressure values, say researchersVongpatanasin added that the findings correlate with the American Heart Association/American College of Cardiology 2017 blood pressure guideline.”It’s important to measure blood pressure at home because clinic readings might not reflect a person’s true blood pressure. Some people have higher readings in the clinic because of the ‘white coat’ phenomenon, while studies have shown that others – especially, blacks – have lower blood pressure readings in the clinic than at home,” she said.This study included adults aged 30 to 65 years old from two U.S. cities, so the findings might not apply to younger or older people or adults in different geographical areas, she said.With the definition of high blood pressure set at 130/80 mm Hg, nearly half (46 percent) of U.S. adults have high blood pressure. Researchers have found that at least 30 percent to 45 percent of U.S. adults with hypertension monitor their blood pressure at home.The American Heart Association recommends consumers follow the proper technique when measuring blood pressure: be still and rest quietly for at least 5 minutes before measurements; avoid caffeine or cigarettes in the half hour before your reading; keep both feet flat on the floor; and avoid talking during the test. At least two readings should be taken one minute apart in the morning before taking medications and in the evening before eating. Ideally, blood pressure readings should be taken during one week beginning a few weeks after a change in the treatment regimen and during the week before a doctor’s visit. Source:https://newsroom.heart.org/news/home-monitoring-confirms-clinic-diagnosis-of-high-blood-pressure?preview=3656
The research team plans to further focus on the molecular mechanisms that stimulate complex rearrangements in the body, through screening the genomic structures of fusion genes in other cancer types.Source:The Korea Advanced Institute of Science and Technology (KAIST)Journal reference:Kim, Y.T. et al. (2019) Tracing Oncogene Rearrangements in the Mutational History of Lung Adenocarcinoma. Cell. doi.org/10.1016/j.cell.2019.05.013. We hope this work will help us get one step closer to precision medicine for lung cancer patients.” Reviewed by Alina Shrourou, B.Sc. (Editor)May 31 2019Catastrophic rearrangements in the genome occurring as early as childhood and adolescence can lead to the development of lung cancer in later years in non-smokers. This finding, published in Cell, helps explain how some non-smoking-related lung cancers develop.Researchers at KAIST, Seoul National University and their collaborators confirmed that gene fusions in non-smokers mostly occur early on, sometimes as early as childhood or adolescence, and on average about three decades before cancer is diagnosed. The study showed that these mutant lung cells, harboring oncogenic seeds, remain dormant for several decades until a number of further mutations accumulate sufficiently for progression into cancer. This is the first study to reveal the landscape of genome structural variations in lung adenocarcinoma.Lung cancer is the leading cause of cancer-related deaths worldwide, and lung adenocarcinoma is its most common type. Most lung adenocarcinomas are associated with chronic smoking, but about a fourth develop in non-smokers. Precisely what happens in non-smokers for this cancer to develop is not clearly understood.Researchers analyzed the genomes of 138 lung adenocarcinoma patients, including smokers and non-smokers, with whole-genome sequencing technologies. They explored DNA damage that induced neoplastic transformation.Lung adenocarcinomas that originated from chronic smoking, referred to as signature 4-high (S4-high) cancers in the study, showed several distinguishing features compared to smoking-unrelated cancers (S4-low).People in the S4-high group were largely older, men and had more frequent mutations in a cancer-related gene called KRAS. Cancer genomes in the S4-high group were hypermutated with simple mutational classes, such as the substitution, insertion, or deletion of a single base, the building block of DNA.But the story was very different in the S4-low group. Generally, mutational profiles in this group were much more silent than the S4-high group. However, all cancer-related gene fusions, which are abnormally activated from the merging of two originally separate genes, were exclusively observed in the S4-low group.Related StoriesTrends in colonoscopy rates not aligned with increase in early onset colorectal cancerSpecial blood test may predict relapse risk for breast cancer patientsStudy: Nearly a quarter of low-risk thyroid cancer patients receive more treatment than necessaryThe patterns of genomic structural changes underlying gene fusions suggest that about three in four cases of gene fusions emerged from a single cellular crisis causing massive genomic fragmentation and subsequent imprecise repair in normal lung epithelium.Most strikingly, these major genomic rearrangements, which led to the development of lung adenocarcinoma, are very likely to be acquired decades before cancer diagnosis. The researchers used genomic archaeology techniques to trace the timing of when the catastrophes took place.Researchers started this study seven years ago when they discovered the expression of the KIF5B-RET gene fusion in lung adenocarcinoma for the first time. Professor Young-Seok Ju, co-lead author from the Graduate School of Medical Science and Engineering at KAIST says, “It is remarkable that oncogenesis can begin by a massive shattering of chromosomes early in life. Our study immediately raises a new question: What induces the mutational catastrophe in our normal lung epithelium.”Professor Young Tae Kim, co-lead author from Seoul National University says:
© 2018 AFP Summer is the ideal time for breaking out a bottle of rose, but fans of French wine might think twice after millions of bottles were found to contain less costly Spanish tipple instead. Explore further ‘Question of price’Tensions have long simmered between winegrowers on either side of the Pyrenees, with French producers often accusing their Spanish rivals of unfair competition.In recent years French protests have blocked Spanish trucks from bringing their wine into the country, with demonstrators emptying their loads onto highways.Production surpluses in Spain have pushed down prices there, making the country’s wines a better deal for consumers—and a tempting substitute for some French distributors.”It’s a question of price,” Jerome Despey, a winegrower in the southern Herault region and member of the FNSEA agricultural union, told AFP.The two countries’ agriculture ministers met in Paris last summer to try to end the conflict, leading to a series of measures aimed at limiting price volatility, Despey said.Price increases across Europe following weather-related grape harvest shortfalls last year have also helped ease tensions.”We need to keep up the pressure with these inspections so this kind of thing can’t happen again,” Despey said, urging the government to impose stricter labelling rules.Delphine Geny-Stephann, France’s junior economy minister, said she had asked the fraud agency “to continue carrying out regular inspections in the sector.” French winemakers emptying wine from a Spanish truck during a protest Le Boulon, ten kilometres forms the French-Spanish border, in April 2016 French farmers block refineries over palm oil imports 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. Citation: France sees red after Spanish rose wine found in domestic bottles (2018, July 9) retrieved 18 July 2019 from https://phys.org/news/2018-07-france-red-spanish-rose-wine.html French investigators found that millions of bottles of rose actually contained Spanish wine France’s consumer fraud agency confirmed Monday that 70,000 hectolitres—the equivalent of 10 million bottles—of Spanish rose were falsely labelled as French vintages by hundreds of producers in 2016 and 2017.According to French daily Le Parisien, which first reported the findings, Spanish rose sold in bulk at the time for just 34 euro cents ($0.40) a litre compared with 75 to 90 cents for French rose.”We were alerted to the ‘Frenchification’ of Spanish wine at the end of 2015,” the consumer agency’s Alexandre Chevallier told the paper.”So we launched an inquiry at all levels, from producers to importers to restaurants and distributors,” he said.Twenty-two percent of the businesses subjected to controls in 2016 and 15 percent in 2017—a total of 743 establishments—were cited for trying to present the foreign wine as French, he explained. Some blatantly passed it off as French, as was the case for bottles showing drawings of French-sounding but fictitious castles, or wines sold by the glass in some restaurants.Others were more subtle, putting “Produced in France” on the front label but “European Community wine” on the back, or embellishing bottles with national symbols like the heraldic lily or a ribbon in the blue, white and red of the French flag.Misleading wine drinkers is no small matter in France: producers could face fraud lawsuits that carry penalties of up to two years in prison and 300,000 euros in fines.
British electric appliance pioneer Dyson will switch headquarters to Singapore this year due to booming Asian demand but not because of Brexit, the company said Tuesday. © 2019 AFP The group, founded and owned by serial entrepreneur and vocal Brexit supporter James Dyson, last year announced it would produce electric cars in Singapore.The firm stressed that Brexit was not a factor behind the decision to ditch its corporate base in Malmesbury in Wiltshire, western England, in favour of Singapore.Dyson, famed for its cordless vacuum cleaners, hand dryers and fans, now has its sights set on electric vehicles—particularly in Asia.”An increasing majority of Dyson’s customers and all of our manufacturing operations are now in Asia; this shift has been occurring for some time and will quicken as Dyson brings its electrical vehicle to market,” it said in an earnings statement.”As a result, an increasing proportion of Dyson’s executive team is going to be based in Singapore; positioning them to make the right decisions for Dyson in a quick and efficient way.”This does not change any of our investment and recruitment plans; however we are now at a point where Dyson’s corporate head office will relocate there to reflect the increasing importance of Asia to Dyson’s business.”A prototype Dyson electric vehicle is in the works for 2020, followed by a product launch in 2021.’Not related to Brexit’The Singapore move “is not related to Brexit”, chief executive Jim Rowan told reporters on a conference call, noting there was only a “negligible” tax benefit.”We don’t see any issues regarding Brexit,” he said, adding that Dyson’s manufacturing capacity, as well as the majority of its supply base, is in south east Asia.”We are a global technology company,” Rowan insisted, adding that it would continue to invest in home market Britain.Dyson had already announced last October that it had picked Singapore for its first electric car plant, sparking criticism from some quarters that its Brexit-backing billionaire founder had not invested more in the UK.But the group also said in March that it would open a second research and development centre in a former Royal Air Force airfield in Hullavington, southwest England.Meanwhile on Tuesday, Dyson said that 2018 underlying profit—as measured by earnings before interest, taxes, depreciation and amortisation (EBITDA)—surged one third to £1.1 billion (1.2 billion euros, $1.4 billion).Turnover, or sales, rose by 28 percent to stand at £4.4 billion on growing global appetite for cutting-edge technology.”Globally, enthusiastic owners are demanding high-performance products so we are deepening out operations and technology investments to meet their needs,” added Rowan.James Dyson, who owns 100 percent of the company he founded in the 1970s, has revolutionised household appliances with his bagless vacuum cleaners, bladeless fans and air purifiers. Explore further This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. Citation: Dyson switches HQ from Britain to Singapore: company (2019, January 22) retrieved 17 July 2019 from https://phys.org/news/2019-01-dyson-hq-britain-singapore-company.html Leaving Britain, but not because of Brexit Dyson shifts up a gear with electric car hub
politics YS Jagan Mohan Reddy COMMENT Andhra Pradesh IT-enabled services The Andhra Pradesh government will unveil a new IT policy within 100 days or so, and the State government will focus on developing Visakhapatnam as the IT destination, M Goutham Reddy, the State IT and Industries Minister, told the media here on Saturday.He said the government would review most of the agreements signed by the previous Telugu Desam Party (TDP) regime and review the policies relating to IT and industry development. “If there are any good features and policies, we will persist with them. It is not our policy to undo whatever the previous government had did,” he said in response to a question.After a review meeting with the representatives of IT Association of Andhra Pradesh (ITAAP) and IT companies at Tech Hub along with Tourism Minister Muttamsetti Srinivasa Rao, he said that the government would ensure balanced development in both urban and semi-urban areas by promoting BPOs and MSMEs to generate jobs for the locals. SHARE SHARE SHARE EMAIL July 07, 2019 Published on COMMENTS