Tag: 贵族宝贝

Arizona Cardinals Brittan Golden looks at the sco

first_imgArizona Cardinals’ Brittan Golden looks at the scoreboard during the second half the NFL football NFC Championship game against the Carolina Panthers, Sunday, Jan. 24, 2016, in Charlotte, N.C. (AP Photo/David J. Phillip) The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Former Cardinals kicker Phil Dawson retires #AZCardinals awarded no waiver claims. I don’t know if they filed any. Pretty far down in the order.— Kent Somers (@kentsomers) September 4, 2016Arizona, however, did have some success retaining players who stood out in camp but were casualties of deep position groups.Golden will return to the Cardinals’ practice squad after not being claimed by any other teams, which may be surprising considering his success this preseason and his big special teams plays in the past.Riddick was a fifth-round pick of the team in 2015, and as a pass-rusher on a team that needed them, it appears he has yet to take advantage of that opportunity. God is so good! Colts Nation WHATS GOOD!!!!!!— Matthias Farley (@MatthiasFarley) September 4, 2016The Cardinals did not pick up any players on the waiver wire Sunday, according to The Arizona Republic’s Kent Somers. The Arizona Cardinals knew their cuts to reach a 53-man roster would make them vulnerable of losing talent, but they were able to retain some of that Sunday.Wide receiver Brittan Golden, cornerback Harlan Miller, tight end Ifeanyi Momah, linebacker Shaq Riddick, tight end Hakeem Valles and tackle Givens Price were officially added to the practice squad Sunday.Not all the talent stayed with the team, though.Safety Matthias Farley, an undrafted rookie out of Notre Dame, was cut Saturday only to be claimed by the Indianapolis Colts off the waiver wire, according to reports.center_img Top Stories Grace expects Greinke trade to have emotional impact Comments   Share   Derrick Hall satisfied with D-backs’ buying and sellinglast_img read more

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Rep Hornberger votes to bring tax relief to Michigan seniors families

first_img Categories: Hornberger News,News 25Jan Rep. Hornberger votes to bring tax relief to Michigan seniors, families Rep. Pamela Hornberger of Chesterfield Township joined her state House colleagues today in approving lower income taxes for Michigan families and seniors.The legislation continues and increases personal exemptions for Michigan taxpayers and their dependents, while providing additional relief for seniors.“I’m happy to cast votes that will save money for Michigan taxpayers,” Hornberger said. “This legislation will leave money in workers’ paychecks and help families make ends meet. It is well-deserved and long overdue tax relief.”The legislation ensures Michigan taxpayers can continue claiming personal exemptions on income taxes after federal tax reforms signed into law last month. In addition, the legislation gradually increases the state personal exemption from the current $4,000 to $4,800 for the 2020 tax year. Taxpayers in Michigan cities with an income tax will continue to be able to claim exemptions.Other legislation in the package helps senior citizens in addition to the personal exemption increase. The legislation provides a $100 income tax credit for a single filer age 62 or older – or $200 for joint filers.The bills include a provision to ensure school aid funding is not negatively affected by the legislation.House Bills 5420-22 advance to the Senate for further consideration.###last_img read more

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ShareTweet

first_imgShareTweet “Thankfully, the occupier had a working smoke alarm fitted which alerted him to the fire. “This incident demonstrates the importance of having a smoke alarm fitted on every floor of your home and the need to test it once a week to ensure its working.”Anyone with information about those behind the arson attack is asked to ring detectives at Strand Road on the 101 number.Alternatively information can be passed anonymously to Crimestoppers on freephone 0800 555 111.Arson probe after man cheats serious injury in Derry flat fire was last modified: February 20th, 2019 by John2John2 Tags: “A man in his 40’s was rescued by firefighters and treated by ambulance personnel at the scene. All other people in the flats were accounted for.“Firefighters wearing breathing apparatus extinguished the fire. “The incident was dealt with at 10.38 am. “The cause of the fire has been determined as deliberate. DETECTIVES in Derry have launched an arson inquiry following a fire at a block of flats.The Fire and Rescue Service say it received a 999 call to a fire in the hallway of ground floor flats on Glenabbey Crescent in Galliagh around 10 yesterday, Tuesday, February 19.A spokesperson said: “Three appliances attended the scene – two from Northland and one from Crescent Link Fire Station. Arson probe after man cheats serious injury in Derry flat firecrescent linkdetectivesFIRE AND RESCUE SERVICEgalliaghGlenabbey CrescentnorthlandPSNISTRAND ROADlast_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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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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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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Demystifying Predictive Analytics

first_imgDemystifying Predictive Analytics Jamie SchisslerApril 26, 2019, 4:00 pmJuly 22, 2019 What if you had a crystal ball that could tell you which leads are sales-ready and which need some nurturing? Or what type of content will most engage a specific visitor; which customers are most likely to purchase which products and through which channel; or how much demand will increase during peak holiday time?This is predictive analytics: The statistical analysis and identification of attributes that have a direct correlation to a future event or condition. There’s been so much hype about predictive analytics recently that it’s easy to forget it’s been around for over 50 years — from weather forecasting and flight planning to consumer credit scoring and fraud detection. From a marketing perspective, the accuracy it provides and the predictive opportunities it creates can substantially minimize risk while driving tremendous efficiency and performance gains.  What is new is the availability of predictive analytics. Once the luxury and secret sauce for only the largest brands staffed with deep data and analytics teams, expertise, and infrastructure, PA is available to organizations and business of all sizes.So, how can marketers drive adoption, establish predictive analytics competency, and use it to create better outcomes for businesses and experiences for customers? Let’s break down some of the basics. Recognize the power of segmentationTraditional marketing segmentation is about grouping audiences by historical attributes like age, gender, geography, etc. The emphasis of this approach is on understanding what individual consumers have done in the past and/or who they are at this moment in order to better focus and calibrate the brand’s sales and marketing efforts.Predictive analytics can also be thought of as a segmentation strategy. The difference is it employs algorithmic models against much of the same underlying data in order to identify and group customers by what they are likely to do or prefer. As such, it’s useful to think of and approach predictive analytics as a segmentation strategy to identify customers by future behavior, such as those who are likely to travel soon, renew a lease, upgrade, or refer a friend.Read More: How AI will Change the Game for Influencer MarketingDefine specific business cases and develop effective strategiesThinking of it as a segmentation strategy, it’s helpful to begin by defining those groups that represent the greatest opportunities or needs for your business. Perhaps your primary goal is lead velocity. Or maybe it’s churn reduction or lifetime value. Focus on one or two to start, otherwise, you’ll get overwhelmed quickly.After you’ve defined your business and use cases, you’ll need to develop a strategy for how you are going to engage that audience. It’s one thing to be able to identify customers who are likely to do something. It’s another to figure out what that means for your business and how you are going to act on it. Both elements – identification and treatment strategy — are essential.Identify the right data Before rolling up your sleeves and diving into the data science and algorithms, identify the data required for your model. In some cases, you may find you simply don’t have the attributes or volume to create the segment with the degree of probability required. Focus on what you can do with the data you currently have, while simultaneously working on a longer-term roadmap and action plan, complete with business cases.Read More: 3 Ways Mobile Technology is Changing the Brick-and-Mortar ExperiencePrioritize consumer trust and respectA few years ago a Target employee infamously used individual purchase data to build a model that would predict, with tremendous accuracy, which of its customers was likely pregnant. The audience was then subtly targeted with specific relevant products via direct mail. This example provides several important lessons when embarking upon predictive analytics. It underscores the potency and accuracy of predictive analytics while demonstrating that it doesn’t take a huge staff to develop and implement (though it does require a lot of data). More importantly, it demonstrates that in all things, trust and respect matter. The creep factor, invasiveness, and breach of privacy and trust in this application was a bridge too far.To avoid such pitfalls, marketers should ensure there is governance and oversight in how predictive segments are defined and utilized. Socialize internally the segments the organization seeks to create and why, balancing out the needs of the business with customer preference, perception, privacy, and experience.The power of predictive analyticsThe predictive analytics landscape is an incredible opportunity to streamline the customer journey, deliver better experiences and value to your audiences, and boost overall business performance. Brands such as Netflix, through its recommendation engine, and Marriott are using PA to deliver messages at key decision points. Marriott uses it for better insight on the types of travelers likely to stay at their properties; for insight on and understanding of what attracts travelers to it over other brands; and to better understand the unique travel patterns and needs of those who travel for business versus those who travel for pleasure.What’s really exciting is not just what brands can do with PA, but that the variety of PA technologies and solutions available today make it accessible to every organization. Plan carefully and deliberately, advance incrementally, and implement governance that reflects your organizational values and goals and you’ll be on your way to delivering exceptional customer experiences and accelerating growth.Read More: Eye Rolls at Pre-Rolls: How to Escape the Trap of Annoying Ads customer experienceMarketing TechnologyMarriottNetflixpredictive analytics Previous ArticleWhy Senior Business Leaders Should Care About CX DataNext ArticleWhy Measurement is the Secret to Agency Successlast_img read more

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Early genome catastrophes can lead to development of lung cancer in nonsmokers

first_imgThe 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:last_img read more

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Special cameras limit radiation while delivering images vital for patient health

first_imgReports show that in Germany in 2013, although CT scans only represented 7 % of all X-rays performed, they conveyed 60 % of the radiation that patients received. We built several prototype cameras. As an alternative to CT, they enable 3D X-ray imagines in very few exposures, meaning less radiation for the patient.”Marta Fajardo, project coordinator and assistant professor at the Instituto Superior Técnico in Lisbon, Portugal New perspective on 3D imagingCT scans make images by taking thousands of flat, two-dimensional photos in order to reconstruct a 3D image. The problem is that each photo injects ionizing radiation into the patient. As photos multiply, radiation levels rise.To counter this, VOXEL’s breakthrough idea was to adapt a technique called plenoptic imaging to X-ray radiation. Plenoptic cameras capture information about the direction that light rays, including X-rays, are traveling in space, as opposed to a normal camera that captures only light intensity.Related StoriesStudy reveals link between inflammatory diet and colorectal cancer riskSubclinical cardiovascular disease linked to higher risk of falling in older adultsNew protein target for deadly ovarian cancerBecause researchers can use the information about light direction captured by plenoptic cameras to reconstruct 3D images, there is no need to take thousands of 2D photos. Images of important structures like blood vessels can be made from a single exposure, lowering the average radiation dose significantly.A major part of the work was using the right algorithms to manipulate the captured information. ‘First, we demonstrated that plenoptic imagining is mathematically equivalent to a limited-angle tomography problem,’ Fajardo says. ‘Then we could simply reformat plenoptic imaging as tomography data and apply image reconstruction algorithms to obtain much better images.’But the biggest challenge remained engineering the cameras. ‘The higher the photon energy, the harder it is to manufacture the optics for a plenoptic camera,’ she says. ‘You need X-rays of different energies for different tasks.’ The solution was to develop one camera prototype that used lower-energy X-rays for tiny structures like cells and another that used higher-energy X-rays for larger objects, such as small animals or human organs.Less radiation, healthier patientsWhile Fajardo is encouraged by the project’s results, work remains to be done. ‘The low-energy X-ray camera belongs to a niche market,’ she explains. ‘But the high-energy X-ray prototype has huge medical potential, although it still requires some development.’Results from the project, which was awarded a Future Emerging Technologies grant, will soon be submitted for publication in the international science journal Nature Photonics. Source:European Commission Reviewed by James Ives, M.Psych. (Editor)Jul 15 2019CT scans have revolutionized the fight against human illness by creating three-dimensional images of the body’s inner workings. Such scans, however, can deliver high doses of radiation. Now EU-funded researchers have built special cameras that limit radiation while delivering images vital for patient health.Doctors have used computed tomography scans, or CT scans, to greatly improve the diagnosis and treatment of illnesses such as cancer and cardiovascular disease. But a major problem limits their use: they deliver high doses of radiation that can harm patients nearly as much as their ailment.Enter the EU-funded VOXEL project which set out to develop an innovative way to create three-dimensional imaging. The result is special cameras that can deliver 3D images but without the high doses of radiation.last_img read more

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A brief history of immersion centuries before VR

first_img Engraving depicting one of Robertson’s phantasmagorical shows and the effects they had on audiences. Credit: Memories by Etienne Gaspard Robertson Immersive experiences are fashionable at the moment, as virtual reality finally emerges into the mainstream with headsets now commercially available. But immersion is a technique much older than technology. It is the key to storytelling, in literature, film, videogames, even in the spoken stories told by our ancestors around the campfire. We are taken in by the experience: we become so involved with a character that we share their emotions, or build expectations about their progress in the story – and react when these expectations are either fulfilled or thwarted. Provided by The Conversation Credit: milliganpuss, CC BY You can imagine the multi-sensory aspects of this experience: the design and shape of the space would have been critical to its impact on the audience, with light flooding in from the east. With dust and smoke in the interior, and the sound of a priest’s sermon and choir reverberating around the vaulted ceilings, even by today’s standards it would be pretty immersive.Smoke and mirrorsIn the late 18th century, the quirkily named phantasmagoria used – quite literally – smoke and mirrors along with magic lanterns, a form of early image projector, invisible screens and sound effects to create a theatrical performance. This article was originally published on The Conversation. Read the original article. Citation: A brief history of immersion, centuries before VR (2018, May 16) retrieved 18 July 2019 from https://phys.org/news/2018-05-history-immersion-centuries-vr.html 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.center_img Recovered written accounts of the phantasmagoria are very interesting, as they link the rise in the use of magic lantern projections with the history of cinema. Via these immersive experiences, we get to the development of contemporary virtual reality devices.The origins of phantasmagoria are associated with the work of German Johann Georg Schropfer who used magic lantern projections as part of monastic rituals – another form of immersive religious experience.Participants would often fast for 24 hours prior to a performance and were greeted ceremoniously with drugged punch or salad. Skulls, candles and other monastic paraphernalia were used to set the scene. Accounts indicate that in these original performances three ghosts would be summoned, serving the monastic search for a deeper truth through contact with the spirit world. To be fully immersive, sources of haptic stimulation in VR apps need to be shown, researchers find Look at immersion from a historical perspective and we see the rituals and social practices that gave rise to immersive experiences, and the relevance of the past to the hyped products of today.In the middle ages, the use of stained glass in churches was designed to create an immersive sense of otherworldliness by bathing the church’s interior with coloured light. It was designed to provide churchgoers with a sense of direct contact with the divine, through visual stories aimed at a largely illiterate population.Stained glass was an important form of visual storytelling. It was one of the ways that religious institutions could exert their hold on believers through the sanctity of messages delivered through colour and light, for which believers had to crane their necks up towards the sky to face the high windows.A great example of this is the recently restored Great East Window at York Minster, a very large expanse of painted glass created in the early 1400s. The sheer scale of this window is extraordinary. It is the largest expanse of glass in the minster and one of the biggest in Europe. All designed and created by one artist, John Thornton. Its subject is no less than the beginning and the end of the world representing in its huge number of panes scenes from Genesis and from the Day of Judgement. As such, it can be easily interpreted as a form of immersive storytelling for audiences of the late middle ages. Inflicting terrorThis soon became popular entertainment, and the showman Paul Philidor produced elaborate shows for audiences in Vienna. Another was the Belgian Etienne-Gaspard Robertson in the first few years of the 19th century in Paris. He would use three moving magic lanterns behind a transparent screen, accompanied by elaborate costumes and decorations and augmented with horrifying sounds, to inflict terror upon his audience. With the growing Victorian interest in all things gothic, phantasmagoria performances spread to England where they were delivered alongside seances to deceive, terrify and manipulate their audiences. Some of the mechanics of today’s immersive experiences can be found in these early examples. The use of a projection system is common to phantasmagoria and to contemporary cinema. Head-mounted displays seen in modern VR systems can be first seen in the stereoscopic imagery of the View Master, which dates back to the 1930s and is still available in children’s toy shops today. From the 1950s, different cinematic techniques were introduced, including 3-D cinema using stereoscopic glasses, an approach that still captivates audiences to this day – the 3-D film Avatar is among the most financially successful movies of all time. I remember one of my first immersive experiences was watching How the West Was Won in the 1960s on a Cinerama screen – where a film is projected onto a giant, curved screen that provides an immersive experience via the wrap-around effect of the huge screen on the viewers’ field of view.So the current obsession with immersive virtual and augmented reality experiences will continue – we love our illusions and the stories that go with them. But we should not forget that to be swept away and out of the present by an immersive story is a timeless human desire, that’s origins go back as far as we do. Great East Window, York Minster, which depicts scenes from the beginning and the end of the world. 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Solar Impulse Efficient Solution label for profitable startups to boost clean energy

first_imgInvestors respond better to the profit potential of green innovations such as solar-powered planes rather than their eco-credentials, according to Dr Bertrand Piccard, founder of Solar Impulse. Credit: Milko Vuille, licensed under CC BY-SA 4.0 New energy innovation report highlights central role of emerging economies Provided by Horizon: The EU Research & Innovation Magazine It was one of a number of initiatives launched at the Mission Innovation clean energy conference in Malmö, Sweden, on 23 May.Clean energy innovations are often high risk, yield low returns and take a long time to reach maturity. The idea of the label is that showing the financial impact of environmental solutions will help sell the concept of clean and renewable energy to governments and potential financial backers. It’s led by Dr Bertrand Piccard, the first person to fly around the world in a solar-powered aircraft.’When we consider climate change and consumption, it’s not only our comfort, our growth, our lifestyle that is the reason for that,’ said Dr Piccard. ‘It’s the fact that the technologies that we use are wasting half of the energy that is produced. Half of the pollution is only due to the losses, to the waste and the inefficiencies of the systems that are in use today.’He told the conference that he had already used arguments around profitability and job creation to convince right-wing politicians in Switzerland, who are generally against environmental initiatives.By the end of 2018, Dr Piccard aims to have selected 1,000 recipients of the label, and the EU is helping to reach the target by identifying the most promising EU-funded projects.Carlos Moedas, EU Commissioner for Research, Science and Innovation, who launched the label with Dr Piccard, said that it would change the conversation around clean energy by focusing on solutions.’The efficient solutions label clearly demonstrates the economic opportunities that innovative clean technologies bring,’ he said. ‘Its rigorous and strict criteria will help raise the profile of new breakthrough solutions and make them attractive for investors.’In 2019, Dr Piccard will travel around the world to promote the solutions to governments and businesses, and they will also be presented at the UN’s 24th climate change conference COP24 in December 2018. The aim is to encourage the adoption of more ambitious environmental targets and energy policies by highlighting the financial advantages of doing so.Two-thirdsEnergy consumption and production account for two-thirds of greenhouse gas emissions, so sustainable energy innovation is vital if the world is to achieve its climate goals. Explore further The pioneering solar flight foundation Solar Impulse has launched an ‘Efficient Solution’ label for clean energy start-ups and innovations that can demonstrate their profitability, in a bid to boost investment in the sector. That’s one of the reasons that the Mission Innovation project was launched in 2015 at the Paris climate change conference, where countries agreed to limit global warming to two degrees above pre-industrial levels. It aims to double public investment for early-stage clean energy entrepreneurs by 2021 in a bid to dramatically speed up innovation in this sector, and is supported by 24 members, including the EU.’Citizens and innovators can help us to accelerate the clean energy revolution,’ said Commissioner Moedas.Ahead of the Malmö conference, the World Economic Forum (WEF) launched a white paperthat identified the main problems faced by clean energy entrepreneurs, including a so-called financial valley of death – meaning that there is little long-term risk capital available in the sustainable energy sector.According to the WEF, governments currently supply more than two-thirds of global investment into research development and demonstration (RD&D) for clean energy projects, while most private RD&D is focused on oil and gas rather than renewable technology.The paper set out six bold ideas for improvement – including creating institutions for energy innovation, establishing an independent international fund to finance energy projects that combines public and private donations, and developing instruments for public-private co-investment. It highlighted the need for alliances between organisations and companies that promote innovation, and praised the Mission Innovation programme as a best-practice example.Through the Mission Innovation initiative, India has also proposed an international incubator to test clean energy technologies in local markets, and Sweden has launched a competition to promote disruptive innovations funded by public-private partnerships.However, part of the problem is a lack of visibility, as clean energy entrepreneurs don’t always have access to the platforms where potential investors are active.ChampionsIn an effort to address this, Mission Innovation is setting up a Mission Champions scheme to promote excellent clean-energy researchers and innovators and raise their profile on a global scale.The champions will be flown to the next Mission Innovation conference where they have the opportunity to network with ministers and business leaders, and they will be encouraged to engage in cross-border idea exchanges with other champions. The idea is that through the scheme, the champions’ visibility will be enhanced, which could lead to potential investment opportunities.To date, the Mission Innovation initiative has set out seven so-called Innovation Challenges that push member countries towards ambitious goals in a variety of clean energy sectors. The EU is co-leading challenges on converting sunlight into storable solar fuels and affordable heating and cooling of buildings. A new eighth challenge on hydrogen energy was launched this week and will also be led by the EU.So far, research in this area has boosted the production of aviation biojet fuels under the ITAKA project and have led to the development of new approaches to make building heating and cooling systems more sustainable and efficient under the Celsius City project. ITAKA in particular achieved greenhouse gas savings of more than 70%, and improved local air quality by 30%. 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: Solar Impulse ‘Efficient Solution’ label for profitable start-ups to boost clean energy investment (2018, May 28) retrieved 18 July 2019 from https://phys.org/news/2018-05-solar-impulse-efficient-solution-profitable.htmllast_img read more

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AP to unveil new IT policy in 100 days

first_imgpolitics 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 COMMENTSlast_img read more

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