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Current Apple $1 Trillion Market Cap Explained

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What is the current Apple market cap? A company’s value is based on the amount of outstanding shares multiplied by the current stock price, this gives it the company’s market capitalization. I company with one million outstanding shares with a stock price of $100 would have a $100 million dollar market cap: $100  multiplied by […]
          

Ilhan Omar’s $1T housing plan aims to create 12M affordable units

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Bernie Sanders has one. So does Alexandria Ocasio-Cortez. Now, Representative Ilhan Omar has added her own housing plan to the field of left-leaning elected officials who have proposed dramatic expansions of how government funds housing. The Minnesota Democrat is calling for $1 trillion to be invested into affordable housing and public housing across the country, which she says will create 12 million units over the next decade. The proposal, dubbed the “Homes for All Act,” ... [more]

The post Ilhan Omar’s $1T housing plan aims to create 12M affordable units appeared first on The Real Deal Miami.


          

‘Companies have sold a record $2.43 trillion so far this year across currencies, surpassing previous full-year records.’

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'Companies have sold a record $2.43 trillion so far this year across currencies, surpassing previous full-year records.' t.co/dnJS4zYTIl pic.twitter.com/Kzb2iOTIN2 — Jesse Felder (@jessefelder) November 30, 2019 #CorporateDebt nears a record ... Read more
          

Other: Client Happiness Associate (Customer Support) - Salt Lake City, Utah

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Earnest empowers people with the financial capital they need to live better lives. We're an accomplished team of technology, finance, and design geeks who believe consumer lending can be radically improved and are doing something about it. We are disrupting the trillion dollar student loan industry by redefining what it means to be creditworthy. We created a company that combines data science, streamlined design, and technology to: Build products that simplify the lending process Personalize loans to suit the needs of our customers Engage with our customers through more human experiences Our culture is one that values transparency and blameless problem solving. Earnest has a strong track record of employee growth and career progression. Earnies are empathetic, product-focused, proactive, and curious. As an Associate on our Client Happiness Team, you will report to the Client Happiness Team Lead/Supervisor, and willprovide financial expertise and educational support to our potential and existing clients. You will also: Be the first point of contact and advocate for clients Handle a high volume of client support requests by email and phone, using empathy and logical reasoning to answer questions and troubleshoot problems Triage incoming requests, accurately diagnose and elevate bugs to the engineering team, and track client happiness metrics Identify trends and inefficiencies to enhance the client experience Qualifications: Articulate, personable, and reliable with strong written skills and email etiquette. 1+ years of online-based customer service experience, previous experience in financial services or banking a plus CRM/support tool experience in platforms like Zendesk, etc. a plus Works well under pressure and tight deadlines within a dynamic environment Bachelor's degree or equivalent work experience Earnest Perks & Benefits: Health, Dental, & Vision benefits plus savings plans Employee Stock Purchase Plan 401(k) plan to help you to save for retirement plus a company match Tuition reimbursement program $1000 flight on each Earnie-versary to anywhere in the world and 20 days accrued annual PTO Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, disability, genetics, gender identity or expression, or veteran status. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance. #LI-MR1 ()
          

Introduction to Small Intestinal Bacterial Overgrowth (SIBO)

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introduction-to-small-intestinal-bacterial-overgrowth-siboNearly 60 percent of those with IBS actually have a little known disorder called SIBO.Humans have trillions of bacteria in the gut that make up our microbiome. The majority of our microbiome live in the large intestine. However, Small Intestinal Bacterial Overgrowth or SIBO occurs when there’s an overgrowth of the bacteria in the large intestine that spills into the small intestine. 

This condition is a subset of IBS, and it’s assumed that nearly 60 percent of people with IBS actually have SIBO. The condition interferes with digestion and causes bloating, stomach discomfort, and constipation or diarrhea. 

Dr. Nirala Jacobi, a SIBO expert, discusses the causes, symptoms, and treatments for SIBO, including natural supplements that can be used to curb the effects of the condition. She also offers free resources for those with SIBO at www.TheSIBODoctor.com

Listen as Nirala Jacobi joins Dr. Holly Lucille to discuss SIBO.
          

유명 애널리스트 "비트코인, 연말 1만달러 넘을 것"…반에크 임원 "시장 변동성 확대, 신중한 투자 필요"

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▲ 출처: 플랜비 트위터     © 코인리더스



26일(한국시간) 시가총액 1위 암호화폐인 비트코인(Bitcoin, BTC) 가격은 단기 상승 흐름을 보이며 7,200달러 선까지 회복했다. 이에 투자 전문 사이트 FX스트리트는 “비트코인 가격이 7,000달러 이상을 돌파하면서 황소(Bull, 강세론자)가 다시 깨어났다"고 분석했다. 다만 반등 강도는 시간이 지나면서 약화되고 있어, 주요 저항선인 8,000달러 선 돌파가 쉽지 않아 보인다.

 

이날 미국 암호화폐 전문 투자운용사 갤럭시 디지털(Galaxy Digital) 최고경영자(CEO)인 마이크 노보그라츠(Mike Novogratz)는 트위터를 통해 "비트코인은 이틀 안에 7,500달러를 회복하거나 6,000~7,400달러 박스권에 진입할 것"이라고 진단했다.

 

 

 

또, 유명 암호화폐 애널리스트 윌리 우(Willy Woo)는 이날 트위터를 통해 "비트코인 가격이 11월 말까지 8,300달러 선을 회복하지 못한다면, 12월 연간 신저점을 테스트할 수 있다"면서 "개인적으로 2020년은 비트코인 시세에 긍정적인 한 해가 될 것이라고 전망한다. 한편으로는 저점 매수 기회를 위해 비트코인 가격이 추가 하락했으면 좋겠다"고 말했다. 

 

유명 비트코인 마켓 분석가 플랜비(PlanB)는 트위터를 통해 "현재 비트코인의 스톡투플로우(stock-to-flow, S2F) 비율은 좀처럼 맞기 힘든 매수 기회를 나타내고 있다. 누군가는 나를 미쳤다고 말할 수도 있지만, 비트코인 가격이 2019년이 끝나기 전 1만 달러 이상까지 상승해도 나는 놀라지 않을 것"이라고 전했다.

 

 

 

S2F 비율은 수년간 비트코인 가격을 상당히 정확하게 추적해 온 주요 지수 중 하나로, 일반적으로 귀금속 가격을 예측하는 데 사용되는 인기 있는 지표이다. 구체적으로 S2F 모델은 이용 가능하거나 보유한 자산을 연간 생산량으로 나눈 것으로, 자산의 희소성에 따라 가치가 상승한다. 이 때문에 공급 부족으로 내재가치가 있는 비트코인, 금 등에 적합한 분석 모델로 알려져 있다.

 

한편 암호화폐 전문 미디어 AMB크립토에 따르면, 가버 거백스(Gabor Gurbacs) 반에크(VanEck) 디지털 자산 전략 총괄은 "최근 비트코인 시장 변동성이 확대되고 유동성이 위축되고 있다"면서 "현 시점에서는 향후 시장이 어느 방향으로 흘러갈지 가늠할 수 없다. 투자자는 대규모 주문에 있어 신중할 필요가 있다"고 조언했다.

 


          

last gasp...let's see if this works

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I have been letting virt choose between most of hte 18 trillion addresses of a /64(which is the minimum allocation supported by ipv6 technicall). I am going to reduce the range of address virt can choose from and see if this helps. I ahve also talked to a coder freind of mine and he is curious about this section on the perl site: Sockopts => ARRAY

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hescominsoon
Created: 
Sun, 12/01/2019 - 20:07
Updated: 
Sun, 12/01/2019 - 20:07

          

A Doctor’s Diary: Witnessing God’s Handiwork

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Like a well-written, trillion-page novel, every step, twist and turn of a fetus’s development seems to follow an all-encompassing plan.
          

ASCE seeks to transform ‘city of the future’ into reality

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Civil engineering group embarks on multi-year, multimillion effort to explore future infrastructure challenges facing society

Floating cityA city that floats on the ocean is the first of five futuristic metropolises being modeled by the American Society of Civil Engineers.
Photo: ASCE

Nov. 22, 2019
By Walt Williams

Today more than half of all people on Earth live near live the ocean, but the American Society of Civil Engineers believes that in the near future, some of them could be living on it.

The floating city that ASCE envisions is much different from grim metropolises of Blade Runner and countless other science fiction films. Picture a large structure composed of interlocking floating platforms, with living space both above and below the water. Boats cruise the city’s canals while kelp farms provide a source of food for its inhabitants. Power is provided by a mix of clean energy technologies, including orbiting solar arrays that beam energy down from space.

The ocean-bound city is one of five future communities ASCE is modeling as part of its Future World Vision project, which officially launched in May. The multimillion-dollar effort isn’t an exercise in daydreaming about the future. Instead, the society plans to incorporate the lessons learned from modeling each city into its publications, conferences, educational offerings and other programs.

“We are deliberately not trying to create science fiction, yet we are being highly imaginative,” said Jerry Buckwalter, chief operating and strategy officer at ASCE. “Most of the money we are spending is on the research.”

Science fact

ASCE may be best known by the general public for its “Infrastructure Report Card.” The latest report card in 2017 gave the nation an overall grade of D+ for the condition of roads, drinking water systems, schools and other public works. Estimated cost to improve: $4.6 trillion over 10 years.

With Future World Vision, ASCE is looking even further ahead in terms of infrastructure needs. The seeds for the project were planted roughly two years ago, when Buckwalter wasn’t a staffer but rather a member of the ASCE Industry Leaders Council. Council members were concerned about the potentially massive technological and societal changes on the horizon, so they decided civil engineers needed to start thinking about future infrastructure development in a more deliberative way if they were to anticipate coming challenges.

The council’s first action was to hire a consulting company to identify future trends. The list that was developed was eventually narrowed to six areas of focus: alternative energy, autonomous vehicles, climate change, smart cities, high-tech construction methods and advanced materials, and policy and funding.

The project kicked off in earnest earlier this year with a focus on five types of possible city, with Buckwalter hired to oversee the effort. The first model to be examined is the floating city, but future plans call for modeling a rural city surrounded by farmland, a mega city with towering skyscrapers, a frozen city in an arctic-like environment, and a city located on another planet, such as Mars.

“We didn’t want to deny ourselves the ability to have real fun,” Buckwalter said about the last choice.

The research ASCE is funding is seeking answers to questions such as: What is required to build safe structures in each of the environments? How can sustainability of the infrastructure be improved? How can costs be contained? At the same time, researchers are considering possible future developments like advances in nanotechnology and displacement of populations due to rising sea levels.

“What we’re trying to do is create an ASCE that deals with all the current day problems in the unique way that engineers do, but at the same time create an environment and culture within the association and our industry where we can take a small part of our time and begin the baby steps of preparing to be what we need to be for the future,” Buckwalter said.

Finding funding

Future World Vision isn’t ASCE’s first foray into big, expensive projects. In 2017, the society produced Dream Big: Engineering Our Future, a documentary narrated by actor Jeff Bridges that ran in IMAX theaters, with DVDs sent to 100,000 schools across the country. (The film can currently be viewed on Netflix.)

“It was a similar issue to (Future World Vision),” ASCE Executive Director Tom Smith said. “We had to raise an enormous amount of money, and we had to get a lot of folks and organizations who were passionate about the profession, engineering and the importance of engineering to the future to invest in it.”

Dream Big was a $15 million project, with ASCE investing roughly $1.5 million of its own funds. Smith expects a similar investment in Future World Vision, although he noted the group is still in the process of finding partners, which could ultimately determine the final size of the project. He said ASCE is seeking funding partners with a similar interest in driving innovations in engineering and sustainability, whether they come from the private sector, academia, or even government.

“We want to make sure that engineers are preparing for a very different future and not just building things the way they were built 50 or 100 years ago, like much of our infrastructure was,” he said. “This is a way of doing that.”


          

Van der Zwaan’s defense lawyer argued that a fine was

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cruz kills campaign ad featuring former softcore porn star

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War Costs Lots of Money

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Well it turns out that aside by being a catastrophe in terms of lives lost, these neocon-driven wars of choice in the Middle East have been a financial catastrophe as well. From CNBC, American taxpayers have spent $6.4 trillion on post-9/11 wars and military action in the Middle East and Asia, according to a new study.​That total is $2 trillion more than the entire federal government spending during the recently completed 2019 fiscal year. The U.S. government spent $4.4 trillion duri [...]
          

Parallel Data Lab Receives Computing Cluster from Los Alamos National Lab

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A photo of a computer cluster

Carnegie Mellon University has received a supercomputer from Los Alamos National Lab (LANL) that will be reconstructed into a computing cluster operated by the Parallel Data Lab (PDL) and housed in the Data Center Observatory. This new cluster will augment the existing Narwhal, also from LANL and made up of parts of the decommissioned Roadrunner supercomputer technology, the fastest supercomputer in the world from June 2008 to June 2009.

This new supercomputer, tentatively named Wolf, will be an important part of educating CMU's next generation of computer science professionals, researchers and educators. The system recently was retired from LANL's open institutional computing environment. While no longer efficient for simulation science, it still has high value as a training tool and for computer science research. Wolf is made up of 616 computing nodes, each containing two eight-core Intel Xeon Sandy Bridge processors, totaling 9,856 processing cores across the entire cluster. The cluster interconnect is QDR InfiniBand, providing a network that is 30 times faster than Narwhal. Altogether, it will have the capability of about 200 teraflops, where one teraflop represents one trillion computations per second.

"Wolf's processing cores are each significantly faster than the previous system, and it consists of about 50 percent more computing nodes," said George Amvrosiadis, assistant research professor of electrical and computer engineering and the Parallel Data Lab (PDL). "We will be retiring the Narwhal nodes. Our experienced PDL team, with Jason Boles leading the installation effort, is doing this gradually to make sure everything works as expected."

In the five years since they received Narwhal from LANL, the researchers of the Parallel Data Lab have developed several projects with the computing cluster in service of educating the world's next thought leaders in several areas of computer science including: scalable storage, cloud computing, machine learning and operating systems.

 


          

5 Emerging Trends Poised to Transform Retail Supply Chains

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Global retail sales are forecasted to rise to approach $28 trillion by 2020 in the United States alone. So, the sector continues its advancement. Unsurprisingly, retail merchandisers are under the pressure to optimize supply chain efficiency and deliver a seamless customer experience. Between unpredictable seasons and choosy customers, this is a real challenge. You must… Read More »

The post 5 Emerging Trends Poised to Transform Retail Supply Chains appeared first on Garments Merchandising.


          

One Trillion Euros for a European Silk Road

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The Vienna Institute for International Economic Studies (wiiw) has just released a new Policy Note, in which it proposes a financing model for a European Silk Road.
          

Publication: One Trillion Euros for Europe. How to finance a European Silk Road with the help of a European Silk Road Trust, backed by a European Sovereign Wealth Fund and other financing instruments

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Much of Europe’s infrastructure is in a bad state, even in some wealthy parts of Europe, such as G...
          

How to Make Home Photo Printing Affordable and Reliable

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How To Make Home Photo Printing Affordable and Reliable

 

How to Make Home Photo Printing Affordable and Reliable


We’re now taking more photos than ever before; it is estimated that by the end of 2019, as a society, we will have taken over 1 trillion photos. With the majority of people capturing images on their smart phones so that they can share memories and moments instantly, the option to print photos from the comfort of your own home has become an increasingly popular option.

Companies such as HP and Fujifilm have created products which allow people to print images on a small scale anytime, anyplace and straight from their pocket. But what happens when you want to print larger images that you can frame, share with friends or print at a greater volume? This is where your home printer can help!

Should I print my own photos?

There are many online photo printing companies and although they can be a great option, they can take anywhere from a couple of days to a week to print and send your order, this can be costly and there is no guarantee that your images will come back how you expected. Printing your own photos is not only cost effective, it’s almost fool proof too.

Many people consider a printer to be an investment, as the world of home printing can open many doors for those of us who want ease and efficiency.

The process of uploading and sending your images to a second party leaves opportunity for mishap during the printing process including image pixilation and poor production value.

If you want a quick turnaround and the ability to manage the quality, sizing and quantity of your images, using your home printer is the most practical option. 

 

How to print photos at home?

We know that printing your photos at home is an easy and quick option, but it’s essential to have the right materials before you start printing. You’ll need to have good quality photo printing paper, a guillotine or a pair of scissors, and a printer. Make sure your printer has enough ink before you begin!

For PC users, Windows 10 features a very good in-built photo printing tool, making it easy to print any image stored on your computer at the click of a few buttons. You can easily change settings for paper type, image size, print quality and much more from here.

You can also place your images into a word document and change the size to suit you, or you can use a template which will guide you on the correct image size, ensuring that no paper or ink is wasted in the process.

Many people also use the Piccollage app or similar (Available for iPhone, Android or Microsoft Store for free) to create a selection of snapshots or memories organised on one page for printing.

If photo printing at home is something you wish to get the best out of in the future, we recommend spending a little more on a high quality printer that can use several individually coloured cartridges. Canon have always been popular with photo enthusiasts due to their use of specialist grey and photo colour cartridges.

 

If you would like advice on printing your own images at home, or any other printing queries, please get in touch and one of our experts will be happy to help.

Visit our website for printing products or for professional printing advice.


          

Why trading forex is similar to owning your business

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Trading Forex has never been so popular ever before. This year, the global foreign exchange market has reached highest level it has ever had before at $6.6 trillion traded every day, according to the Bank for International Settlements. It is, perhaps, the most popular way to make a living these days for over 43% of [...]

The post Why trading forex is similar to owning your business appeared first on Cascade Business News.


          

Not through bonds, only cash, says Rangarajan on banks recapitalisation

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Former RBI governor C Rangarajan on Friday suggested that recapitalisation of banks should be done through by infusing cash rather than issuing Bonds, as he cautioned that Boards of public sector undertakings, including banks, should maintain "arms length" from the Government.

Rangarajan comments assume significance as Finance minister Nirmala Sitharaman, in August, announced upfront capital infusion of Rs 70,000 crore into public sector banks, a move aimed at boosting lending and improving liquidity situation.

At the inaugural session of the seminar 'Non-Performing Assets (NPA) and its Resolution in Indian Banks' at ICFAI Foundation for Higher Education,he, however, said the centre has infused Rs two lakh crore as capital into various banks during the past three years and it would be difficult for any dispensation to pump in so much as capital in cash form.

"I also have a point that one of the answers to the problems faced by the banking system is to ensure that the capitalisation of the banks is done properly."

According to him, the mode of recapitalisation that is being done now is through the issue of bonds. "What the banks really gain is only the interest income through the bonds. This also needs a relook...I plead guilty because we initiated thisin the early 1990s. But that was a different situation.

The fiscal was undergoing a great deal of problems as part of the reforms (then). But should we continue with this system?" he said.

The economist said though the majority of the stakes in banks is owned by the government, it is necessary to ensure that the lenders run business in the national interest and it is not necessary for the government to interfere with commercial decisions of banks.

"The credit decisions must be left to the Boards (of directors of banks). There is a large literature on the relationship between the government not only banks but also other public sector units.

And the people talk about the arms length between the board and the government..There is still much that needs to be done in terms of appropriate mechanism for appointing the Boards, for appointing the chief executives of the banks," he said.

Later talking to reporters, he said though there is decline in the country's growth numbers the situation does not amount to "recession."

"There is a slowdown..there is no doubt about the fact that there is slowdown, but the slowdown is in growth rate," Rangarajan said.

Hoping that the growth may pick up next year onwards, the former Chairman of the Prime Minister's Economic Advisory Council said it would take another eight years for India to become USD five trillion economy as opposed to Prime Minister Narendra Modi's target of 2025, due to the muted growth now. "The growth may pick up next year. Growth may not be substantial, but it may pick up next year..it takes 2-3 years to get back the growth of higher than 7 per cent," he said.

Advising that bankers should neither be "lazy bankers" nor "hasty bankers", Rangarajan said recent history shows that the appraisal systems for credit and working capital should be improved.


          

I knew the patterns for it which was easy

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gas tax would be among highest in nation

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Should I give all my money away?

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Story 352722192

Q. Dear Umbra,

I have a well paid job. Should I donate my income post-living expenses to organizations working to fight climate change instead of saving?

— Rolling-In-Cash Humanitarian

A. Dear RICH,

It’s a rare treat, when you write a climate advice column, to get to explore a dilemma between two good options. What a lucky place you’re in, and what an admirable inclination! I love when the holidays provoke feelings of goodwill and generosity, as opposed to bitterness and seasonal depression. It’s such a nice change of pace!

While I love the idea of hurling a massive stack of hundos, Hustlers-style, at the abstract existential threat we all know and hate, that fantasy starts to collapse once you start poking at it. To answer your question, we have to answer two additional questions: What counts as “organizations working to fight climate change,” and how do you figure out how much money you should be donating to them? In other words: how many hundos are in that stack, and what exactly are you throwing them at?

There is zero question that a transition to a carbon-neutral or -negative society doesn’t happen without, in technical terms, a fuckton of cash. Estimates range from a modest $300 billion to $44 trillion. Political will to address climate change is really, really important, but frankly, so is money. A criticism regularly levied against climate-forward billionaires running for president, for example, is that they could do a lot more good spending their money directly on climate initiatives than spending it on a likely ill-fated presidential campaign.

I’ve argued before that almost any job, in the right hands, can be a job that fights climate change. A similar, if not identical, argument can be applied to donations — we need all kinds of initiatives beyond installing solar panels in developing countries (although we need that, too!) Organizations that develop green, affordable housing? Yes! Groups that strengthen abortion access in climate-vulnerable areas? Bingo! Refugee resettlement agencies? Hell yeah! Good old-fashioned poverty alleviation projects? Yes ma’am!!!

And like I said, political will is really important. So donating money for the climate could mean throwing some much-needed financial resources at pro-climate candidates, particularly in swing districts.

So how do you pick a place to put your money? If you ask a proponent of effective altruism, you should treat charity as you would an investment — you want the biggest return per dollar, in terms of generating well-being of some sort. The Centre for Effective Altruism actually designs donation portfolios, mutual-fund style, to promote this type of giving.

I think that’s a very sensible choice for those who have a limited amount to give and want to get the most charitable bang for their buck. But ultimately, I think you need to follow your heart. If you’re trying to sustain giving away a really substantial proportion of your income, which is what it sounds like, you probably want to feel some sort of personal connection to what you’re giving it away to.

This brings us to the “how many hundos” portion of our program, which I’ve been quite looking forward to. Should you give away, truly, everything you can?

I’m Jewish, so I’m going to start with what I know, which is the law of tzedakah. It’s a fundamental Jewish principle that essentially translates to “charity,” but that doesn’t quite capture the obligation implied; it’s more about a duty to facilitate a more just world. It’s a God-given requirement to give away at least 10 percent of your income to support those in need, and to generally use whatever wealth you have to support the dignity and wellbeing of others.

Because the foundation of Judaism is to analyze and argue over the precise meaning of its various rules, there’s a spectrum of rabbinical opinions on just how burdensome tzedakah is supposed to be. There’s a Talmudic dictum floating around somewhere that a Jew should actually donate no more than 20 percent of her income to charitable causes, because that would be too burdensome on her life.

The debate over how much to give is also very much alive in the field of applied ethics. An idea similar to tzedakah appears in philosopher Peter Singer’s Principle of Sacrifice: “If it is in our power to prevent something bad from happening, without thereby sacrificing anything of comparable moral importance, we ought, morally, to do it.”

Toby Ord, an Australian philosopher at the University of Oxford who studies morality and poverty, uses Singer’s Principle of Sacrifice to argue that anyone with some extra money has a moral imperative to help the poor. “In ages to come, when global poverty is no more, people will look back at our time and be dumbfounded by the moral paralysis of those who had the resources to help,” he writes. “For a moral theory to demand that we make large sacrifices in righting these wrongs is not too demanding, but just demanding enough.”

In 2009, Ord founded the organization Giving What We Can, which encourages people to make a habit of donating 10 percent of their incomes. I wrote to Julia Wise, the current president of Giving What We Can, which has since become a program of the Centre for Effective Altruism, to ask her opinion on your question.

“Your ability to do good is often best served by maintaining your own ability to contribute over the long term, rather than burning out quickly,” Wise responded in an email. “I do think people should consider their moral values in their budget, and that donating to effective charities can be a great way to live your values in the course of your daily life. But I think taken to an extreme (not having savings, not spending time with friends or family because that costs money), it can be counterproductive.”

You may hear “10 percent” and think, wow, that’s not very much! You’d be surprised. In the United States — which actually has a pretty thriving charitable culture relative to other rich countries, thanks to the influence of the church and other religious organizations — only about 53 percent of households donate to charity at all, and those that do give about $2,500 a year on average. That’s about 4 percent of the median American household income. Ten percent might be an impossible, life-hindering burden for a lot of families due to factors like the rising costs of housing and healthcare relative to wages. It might have no impact at all on the daily life of someone like Jeff Bezos.

Of course, we’re not just talking about daily life. You, RICH, are also talking about saving for the future. I’ll admit something a bit dark that has been plaguing my own personal budgeting process lately: Every time I contribute to my 401K, which is an embarrassingly recent practice, it’s hard to ignore a small internal voice that demands: “What is this FOR?” I have no freaking clue what the world will look like in 40 or 50 years, when I’m supposed to withdraw this money. I have no idea if money will even be useful at all! It could be a Waterworld barter economy situation!

But I think giving up on a future that I can look forward to, that I want to have some money for, dampens the will to fight for it. It might be a very simplistic way to look at saving, but I think that saving for the future and making even very abstract plans for it is an expression of optimism. It’s an action that says, “I think that the future will be OK, and I’m going to be around to enjoy it.”

And so is putting your money toward facilitating that future for everyone, in the form of whatever regular, consistent charitable giving or political donation you choose. So here’s my suggestion: Start at 10 percent of your income. Why not! Nice round number, and you were probably thinking of giving more anyway. See how that goes. See if you can live a little more simply, but not ascetically, and still put a little money away for yourself or your hypothetical children for the future. If you feel like you can give more, give more.

But as soon as you start to feel resentment toward your chosen causes, I think that that’s a sign that the amount you’re giving away is no longer sustainable. (Larissa MacFarquhar has a whole book about this, Strangers Drowning, that I recommend.) You want to balance your sense of duty with a sense of optimism for the world’s future. Without that, what is it all even for?

Thankfully,

Umbra

This story was originally published by Grist with the headline Should I give all my money away? on Nov 28, 2019.


          

"Economic Market Snapshot 12/1/19"

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Updated frequently as available.
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PM 12/1/19: Gregory Mannerino,
"Markets, A Look Ahead: Special Report"
https://www.traderschoice.net/
— § —
MarketWatch Market Summary, Live Updates

CNN Market Data:

CNN Fear And Greed Index:
—   §   —
Buffett Indicator: Where Are We with Market Valuations?
"As of 12/1/19 (updates daily): The Stock Market is Significantly Overvalued. Based on historical ratio of total market cap over GDP (currently at 148.8%), it is likely to return -2.5% a year from this level of valuation, including dividends. As of today, the Total Market Index is at $ 31960.2 billion, which is about 148.8% of the last reported GDP. The US stock market is positioned for an average annualized return of -2.5%, estimated from the historical valuations of the stock market. This includes the returns from the dividends, currently yielding at 1.73%."
https://www.gurufocus.com/stock-market-valuations.php
— § —
Daily Job Cuts, Updated daily.
https://www.dailyjobcuts.com/
— § —
Visit "ZeroHedge" and "Wall Street On Parade" for the 
very latest daily factual news and information:





  11/26/19: 
— § —
12/1/19:






— § —
And soon, the End Game...

          

Ten things climate alarmists don't want us to be thankful for

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In PJ Media, Tyler O'Neill writes,
This Thanksgiving, Americans have a great deal to be thankful for, but climate alarmists would ruin much of it. Thanks to free markets, relative global stability, and the explosion of technology involving fossil fuels, Americans enjoy an unprecedented degree of prosperity — and the blessings have spread to billions across the world. Climate alarmists warn that this progress is unsustainable if not somehow evil, but there are many reasons to celebrate it.


10. Global greening
Vegetation growth has increased across the earth thanks to carbon dioxide.

9. Higher life expectancy
In the past 60 years, global life expectancy has increased by 48 percent. In 1950, people could expect to live 48 years, on average. In 2015, the number had increased to 71.4 years.

8. Failure of the Green New Deal
The Heartland Institute celebrated that "Americans unequivocally rejected the Green New Deal," Rep. Alexandria Ocasio-Cortez's plan to change the entire economy — I mean, "save the earth." Her resolution called for rebuilding every single building in America, among many other things. It has been estimated to cost between $49.109 trillion and $93 trillion — and there's good reason to believe both are underestimates. The first five years of the Green New Deal would cost $250,000 per household, on average. Even taxing the rich at 100 percent would fall trillions short of the bill.

The U.S. Senate rejected the Green New Deal, and the House has not yet voted on it. Sadly, I think this video celebrating its defeat is premature. Many of the Democrats running for president in 2020 have endorsed the Green New Deal or some version of it. All the same, Americans should celebrate the temporary defeat of this dangerous bill.

7. Exiting the Paris Climate Accord

6. Transportation
We should all be thankful for modern transportation. Not only can we cheaply travel across continents and oceans, but trucking transported $721 billion worth of goods across America in 2017. Modern city life would not be possible without it.

5. Where's the beef?
Climate alarmists have encouraged Americans to consume less meat, and emphasized the detrimental environmental impact of cow farts. An unofficial document connected to the Green New Deal — and later withdrawn by AOC's staff — mentioned cow farts, and Bill Nye wants to tax them. Other alarmists have suggested we go vegan to save the earth.

Beef is the second-most consumed meat in the U.S., and cows represent only about 2 percent of the U.S.'s contributions to greenhouse gas emissions. Americans should be thankful for their beef.

4. Fracking
Hydraulic Fracturing has revolutionized American oil production, leading the U.S. to become a net exporter of oil for the first time in decades in 2018. According to some estimates, fracking saved Americans $1.1 trillion over the last decade.

3. Warmer weather saves lives
If the globe really is warming, that may be something to be thankful for. Cold weather kills 20 times more people than hot weather.

2. Petroleum
Alarmists may demonize oil, but without petroleum, we wouldn't have: Aspirin, bicycle tires, cell phones, chewing gum, computers, toothpaste, water bottles — oh, and solar panels!

1. The American patriot
Heartland's last video praises the Americans who fought and died for our freedom. While I heartily agree that we should be extremely thankful for our veterans, the Founders, and the founding generation, I don't think climate alarmists necessarily demonize American patriots. Let's be thankful for our veterans, and on this point at least, climate alarmists should agree with us.
Watch a video on each subject here.
          

INDIA not facing recession: GST collection of states rises to Rs 5.18 trillion in FY19: FM Nirmala Sitharaman

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Finance Minister Nirmala Sitharaman has said the Indian economy may have slowed down but there is no threat of recession.

The post INDIA not facing recession: GST collection of states rises to Rs 5.18 trillion in FY19: FM Nirmala Sitharaman appeared first on eBangla.


          

Apple Designer Jony Ive, Who Helped Create the iPhone and iPod, Has Been Removed From Company’s Leadership Page

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Apple design wiz Jony Ive has been removed from the company’s leadership page, indicating the man behind some of the tech giant’s biggest products, from the iPhone to the iPod, has officially exited the company.

Ive’s departure has been expected for months now, after he announced in June he’d be leaving Apple to start a new design company. His removal from the company’s leadership page was first reported by The Verge on Thursday.

Apple did not immediately respond to TheWrap’s request for comment.

Ive had been with Apple since the early ’90s, ultimately taking the reins of its design team in 1996. While at Apple he helped refine its sleek, minimalistic approach to product design. Along with the iPhone, iPod, Mac and Apple Watch, Ive also led the team behind Apple Park, the company’s $5 billion corporate headquarters in Cupertino, California that opened in 2017.

During his nearly three decade run at the company, Apple rebounded from a faded tech has-been to the first trillion-dollar company — thanks in large part to the products Ive helped design.

Ive has since partnered with designer Marc Newson on LoveFrom, his latest venture. The company is expected to work closely with Apple moving forward.

Apple chief Tim Cook, in a statement in June, called Ive  a “singular figure in the design world and his role in Apple’s revival cannot be overstated.”

Related stories from TheWrap:

M Night Shyamalan and 'Servant' Creator Reveal 'Urban Nightmares' That Inspired Apple TV+ Thriller

Why Bundling Could Save Apple News+ From Becoming a Newton-Level Flop

'The Banker' Release Delayed by Apple After Sexual Misconduct Accusations Against Co-Producer


          

Mianeh-Bostan Abad Railway inaugurated by Iran's President Rohani

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The Mianeh-Bostan Abad Railway officially started operation on Wednesday at the order of Iranian President Hassan Rohani during his visit to East Azerbaijan Province. The railway is 132km long and has been constructed at a cost of 5 trillion rials beginning from Mianeh Station and runs to Bostan Abad Station, passing through Torkamanchay and Tikmeh Dash towns.
          

Nintendo Will Prove the Switch’s Longevity This Holiday Season

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Nintendo Will Prove the Switch’s Longevity This Holiday Season(Bloomberg) -- Nintendo Co.’s Switch console is poised for its best holiday shopping season yet.The company will probably sell 9.46 million units of Switch hardware and 64.73 million units of software in the quarter ending December, according to analyst estimates compiled by Bloomberg. While the forecast console numbers mark only a slight improvement on last year’s results, it’s games that deliver most of Nintendo’s profit, and software sales may climb about 23%.Achieving those numbers could prompt Nintendo to revise its conservative earnings outlook for the year ending March 2020. The Switch’s performance in its third holiday season will also hold clues for the console’s longevity in an industry where hardware is typically overhauled every five years and rivals Microsoft Corp. and Sony Corp. are already planning new machines for the end of 2020.“This is typically where sales begin to peak out, but it looks like the Switch may have a longer life cycle,” said Kazunori Ito, an analyst at Morningstar Investment Services in Tokyo. “With a desktop console and a portable player in a single machine, Nintendo has a very effective platform for selling game software.”Nintendo designed the console so that it can be used on the big living room screen as well as on the go, and in September it also introduced a cheaper Switch Lite focused on expanding the mobile market. Combined sales have already topped 40 million units since launch in March 2017 and many analysts expect the Switch will last long enough to reach the 100 million record set by the Nintendo Wii.There’s More to Nintendo’s Game Than Gadget Sales: Tim CulpanThe Kyoto-based company has stuck with a conservative forecast for operating profit of 260 billion yen ($2.4 billion) on 1.25 trillion yen in revenue for the year ending March 2020. That’s short of analysts’ expectations of 308.8 billion yen and 1.28 trillion yen, respectively.Nintendo also expects to sell 18 million Switch units and 125 million new software titles this fiscal year. That compares with the average of four analysts’ estimates for 19.07 million, and the 147.43 million average of nine estimates.“Last year’s holidays is a high hurdle to clear,” said Masaru Sugiyama, an analyst at Goldman Sachs Group Inc. “But there is a good chance for year-on-year growth.”The 2018 lineup included a Pokemon double-issue that sold a combined 10 million units in a month and a half to the end of the year. Super Smash Bros. Ultimate launched on Dec. 7 and raked in sales of over 12 million units. Nintendo sold 9.42 million Switch consoles in that holiday quarter and a total of 52.5 million units of software.This year, Nintendo is again targeting the Pokemon fan base with two new titles -- Pokemon Sword and Pokemon Shield. The games, which debuted on Nov. 15, have come under criticism from fans unhappy with the quality of graphics and animations and the lack of the full stable of “pocket monsters.” Still, sales exceeded 6 million units during the launch weekend, making it the fastest-selling Switch game to date.“It’s a Pokemon title, so unless you are giving up on the franchise, it’s hard to imagine fans not buying it,” said Damian Thong, an analyst at Macquarie Group Ltd. “Pokemon Sword and Shield will probably end up being the single largest game in terms of launch year revenue, probably bigger than Smash Bros.”In October, Nintendo released Ring Fit Adventure, an $80 exercise game that comes with a flexible plastic ring that tracks the player’s motion by slotting in one of the Switch’s Joy-Con controllers and having the user strap the other to their leg. With that basic motion-capture setup, gamers wage heroic battles and clear stages by jogging and doing squats.Nintendo is looking to repeat the success of the Wii Fit -- the exercise game that broke new ground when it was introduced in 2012 along with a Balance Board peripheral. It sold more than 50 million units and was key to broadening the appeal of the Wii console to new audiences. Ring Fit Adventure is off to a promising start, as Nintendo on Friday apologized for being unable to keep up with overwhelming demand.The Wii went on to sell over 101 million units of hardware and 900 million games, setting a high standard of success that Nintendo has struggled to live up to since. The company’s share price hit its peak in the year following the Wii’s 2006 launch and the stock now trades about 40% below its 2007 record.So far, the Switch has held its own against its storied predecessor and has even done better in hardware sales during its first two holiday seasons.“The Switch can sell 20 million units annually for the next three years,” said Michael Pachter, an analyst at Wedbush Securities Inc. “So it should easily get to 100 million.”Not everyone agrees. Macquarie’s Thong thinks a lot of the casual gamers that helped power the Wii’s runaway success have moved on to free-to-play games on smartphones, such as Nintendo’s own wildly popular Mario Kart Tour. There is also a lot more competition for people’s free time from social media and streaming video. Still, Nintendo’s prospects remain bright in the near-term.“The focus is the game, not the console itself,” Thong said. “2021 might be an even bigger year for title launches. There is a new Zelda game and it will be time for a mid-cycle refresh for all major Nintendo titles.”To contact the reporters on this story: Pavel Alpeyev in Tokyo at palpeyev@bloomberg.net;Yuki Furukawa in Tokyo at yfurukawa13@bloomberg.netTo contact the editors responsible for this story: Edwin Chan at echan273@bloomberg.net, Vlad SavovFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.



          

The #4 Reason Elizabeth Warren’s Medicare-for-All Single-Payer Plan Is A Singularly Bad Idea

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TLDR: By reducing incentives for medical innovation, Senator Warren’s Medicare-for-All plan would impose hidden costs of $9.4 trillion on Americans in its first 10 and an additional $14.5 trillion on those living in European Union countries.
          

The #3 Reason Elizabeth Warren’s Medicare-for-All Single-Payer Plan Is A Singularly Bad Idea

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TLDR: Senator Warren’s Medicare-for-All plan would impose hidden rationing costs of $8.9 trillion in its first 10 years (equivalent in magnitude to 15.9% of the plan’s total cost over that period).
          

The #2 Reason Elizabeth Warren’s Medicare-for-All Single-Payer Plan Is A Singularly Bad Idea

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TLDR: the Warren health would increase the amount of waste, fraud and abuse in the American health economy by $6.1 trillion in its first 10 years (10.9% of the plan’s total cost).
          

Report: State spending accelerated in fiscal 2019, led by increases in transportation

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State government spending in fiscal 2019 increased at the largest rate since the end of the Great Recession, according to the latest State Expenditure report from the National Association of State Budget Officers (NASBO). Total state spending reached $2.1 trillion in fiscal 2019, rising from $2 trillion in fiscal 2018. Total state government spending rose 5.7 percent […]

The post Report: State spending accelerated in fiscal 2019, led by increases in transportation appeared first on The Hayride.


          

Islamic Finance Development Indicator (IFDI) 2019 witnesses shifting dynamics in Islamic finance

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Islamic finance assets grow 3 percent in 2018 to US$ 2.5 trillion; the Sukuk asset class continues strong growth, rising […]

The post Islamic Finance Development Indicator (IFDI) 2019 witnesses shifting dynamics in Islamic finance appeared first on IFAAS.


          

2019 Hubble Space Telescope Advent Calendar (25 photos)

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Time once more for one of my favorite holiday traditions: the 12th annual Hubble Space Telescope Advent Calendar. Every day until Wednesday, December 25, this page will present one new incredible image of our universe from NASA's Hubble telescope. Be sure to come back every day until the 25th, or follow on Twitter (@TheAtlPhoto) or Facebook for daily updates. I hope you enjoy these amazing and awe-inspiring images and the efforts of the science teams who have brought them to Earth. And once more, I want to say how fortunate I feel to have been able to share photo stories with you all year, and how much fun I have putting this calendar together every December. Wishing you all a merry Christmas, happy holidays, and peace on Earth.

A Colossal Shell of Light. Spirals of dust swirl across trillions of kilometers of interstellar space as an expanding halo of light around a distant star, named V838 Monocerotis illuminates the giant cloud. The glow comes from the red supergiant star at the middle of the image, which gave off a flashbulb-like pulse of light, This image shows the progress the light-pulse had made after two years of traveling away from the star in all directions, imaged by Hubble on February 8, 2004. V838 Monocerotis is located about 20,000 light-years away from Earth in the direction of the constellation Monoceros, at the outer edge of our Milky Way galaxy. ( NASA, the Hubble Heritage Team, AURA / STScI, and ESA)

          

CAIT seeks action against Flipkart, Amazon for FDI norms violation

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The Confederation of All India Traders (CAIT) claimed that small retailers have suffered at the hands of Amazon, Flipkart and other e-commerce portals for the last one year, leading to decline in their business. "These companies can easily be termed as economic terrorists and a major roadblock in making India a USD 5 trillion economy vision of PM Modi," the CAIT said.
          

With Overall State Spending Up, Transportation Sees Notable Gains

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RouteFifty.comBy Bill Lucia | NOVEMBER 21, 2019At least 18 states raised spending on transportation programs by 10% or more in fiscal 2019, based on estimates in a new report.State government spending across the U.S. increased to an estimated $2.1 trillion in fiscal year 2019, with the amount of money going toward transportation notably growing, according to a report that the National Association of State Budget Officers released on Thursday.Overall spending was up from $2 trillion in fiscal 201...


          

Gazprom posts IFRS net profit of RUB 1.10 trillion in 9M’19, up 4% YoY

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Comment on Lower drug prices needed by TQ

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Capitalism is the unequal sharing of success, socialism is the equal sharing of misery...Winston Churchill. Oh, and don't use Norway as a shining example of socialism...they have 5 million people and a 1trillion dollar sovereign fund accumulated entirely on the extraction fossil fuels....the shining examples of socialism are Venezuela, Cuba, DRNK, Russia, etc.
          

Comment on Airport welcomes a Global Striker by dondondon12

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redsox-- it only matters if the feds are running 3 or 4 trillion dollar a year debts when democrats are in office. If a democrat takes the presidency next year, Moscow Mitch will immediately call for draconian measures to reduce the irresponsible spending-- like environmental enforcement, health care and infrastructure investments..
          

Hundreds of bags of latex and paint

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monthly obscure media discussion request thread dec 01

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We didn mistrust Kennedy the way we did Nixon

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28 trombonists play 'bohemian rhapsody

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Here's everything we know about the patient search tool Google is building for doctors — and the internal documents that reveal what it's like to use in its early days

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Dr. David Feinberg

Google has big plans to do for medical records what the search-engine giant did for practically every other kind of information.

The company is working on a search tool for patients' medical records, part of the work going on with Google's health unit. The unit pulls together the health projects from across Google, and in 2018 hired top doctor Dr. David Feinberg to lead the team. 

The work came to light when the Wall Street Journal revealed that Google Health is quietly working with the second-largest health system in the US. The news drew scrutiny about how much private health information the tech giant had access to and how it might use it.

The health system, Ascension, is transferring the personal and medical information of 50 million patients onto Google's cloud network. In return, Google gains access to the data, Business Insider reported. Google has said "a limited number" of Google employees have access to full patient data as part of the deal, and both firms have said the arrangement complies with US privacy laws.

At the core of the work between Google and Ascension is a patient search tool, one that the Google Health team, led by Feinberg has been working on.

Before Google, Feinberg had been at Geisinger, a health system in Pennsylvania, since 2015. Prior to that, he served as CEO of UCLA's health system.

Feinberg's team is responsible for coordinating health initiatives across Google, ranging from the company's search engine and map products, to its Android smartphone operating system, to more futuristic offerings in areas like artificial intelligence.

We got more details of the work going on with patient sesarch in documents obtained by Business Insider as part of the work Google's doing with Ascension

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According to a user guide for testers of the tool that was obtained by Business Insider, users can type in patient names to find matches, get an overview of a patient's information, view notes and lab reports, and get a view of patient results over time. The information in the user guide does not contain Ascension patient information, the document noted.

Here's what it looks like:

Patient search redact

"What we thought we could accomplish is take the functionality that we know from organizing information and put it on top of your record," Feinberg said in a video released after news broke of the work Google was doing with Ascension.

For instance, if the doctor's curious if the patient had an MRI or if they've had a particular response to a medication, with Google's help they might be able to find it more conveniently.

"We will pull up all of that information from your record so that your doctor can spend more time with you, looking at you instead of looking in the computer," Feinberg said. 

The search gives users the ability to search through patients within a health system — in this case Ascension — pulling up an overview of their health record with the ability to get a closer look at vitals or labs. Record redact

Much like Google Search, the forms are meant to correct for what medical providers are searching for. 

Search_feature redact 2

The reports can also provide a view of a patient's lab results over time.

lab_results_over_time redact

In a video posted on November 19, Dr. Alvin Rajkomar, a Google product manager and practicing physician, ran through a demonstration of the program. 

In it, he highlighted the ability to make typos, see multiple charts for a patient drawing from multiple medical records, embed links to images like X-rays into notes, and find information in scanned documents through a finder tool. 

Screen Shot 2019 11 25 at 12.19.45 PM

"The technology is mindblowing," Feinberg said in a November video. "But if we don't have the trust of the doctor, the nurse, the mom, the dad, the elderly person, the patient, it doesn't matter how good the technology is we're not going to mess with this. We're going to do it the absolute best way possible. We're going to treat it with the respect that it deserves."

Join the conversation about this story »

NOW WATCH: What's really going on inside an insect-munching venus flytrap


          

LCCI: Nigeria's debt profile rose by N13.1trn in 4 years

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Following Federal Governments fresh plan to take another loan from the World Bank, the Lagos Chamber of Commerce and Industry (LCCI) has raised the alarm, saying the country's loan profile increased by N13.1 trillion in the last four years. The chamber said the debt moved from N12.6 trillion in 2015 to N25.7 trillion in []
          

Stock market: Shareholders gain N203bn in November

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as equities market begins to benefit from OMO policy T rading activities on the floor of the Nigerian Stock Exchange (NSE) ended the month of November 2019 on the positive trajectory with a record of N203 billion gain to close at N13.032 trillion in market capitalisation. The growth in market capitalisation during the month []
          

The Elephant During Angela's Treatment In 'Watchmen' Was A Lot To Take In

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Trillionaire Lady Trieu seems a genuine marvel of an inventor in HBO's Watchmen. Considering that this is a society where computer technology is decades behind where it is now, her creations of things like the biosphere vivarium and the Millennium…
          

The Fed’s Answer to the Ghastly Monster of its Creation

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As the economy stalls out in 2020, U.S. deficits are going to jump to over $2 trillion a year – and will stay there.  So, too, the national debt will run up towards $40 trillion over the next decade.  The Fed, through YCC or some other wild scheme, will take on the dirty deed of monetizing this debt.  They’ll create money from nothing and loan it to the Treasury. Continue reading
          

Could this be the first $1-trillion holiday shopping season?

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But an undercurrent of uncertainty exists, with hints of a recession and a trade war looming. A late Thanksgiving could put pressure on retail growth, and promotions may cut into profits. Still, some analysts say our spending may hit 13 digits for the first time.
          

Charles Schwab will acquire TD Ameritrade, creating wealth management 'Goliath' with $5 trillion in assets

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Charles Schwab will acquire TD Ameritrade in a $26 billion, all-stock deal, the companies announced Monday, as the brokerage giants dramatically change a business model that has been crushed by the race to zero commissions. The tie-up of the brokerage companies, which helped revolutionize stock trading by making it affordable and easy for the masses, reflects the shift from a commission-heavy revenue stream to one more reliant on interest income and other client services. [...]
          

Retailers post a record $7.4B in online sales on Black Friday

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Adobe Analytics recorded over one trillion visits to more than 4.500 online vendors since November 1 with completed transactions totaling $68.1 billion, far short of analysts' predictions of $143.8 billion. However, Black Friday raked in $7.4 billion in online sales, only $100 million short of projections and a 19.6-percent increase over last year.

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Cannabis: The BIG Threat To Big Pharma’s Nursery-Rhyme Business Model

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How does Big Pharma take in $1 TRILLION per year in revenues. It's a ruthless killer. But legal cannabis is a threat...
          

Exclusive: Big four auditors face investor calls for tougher climate scrutiny

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European investors managing assets worth more than 1 trillion pounds ($1.28 trillion) are pressing top auditors to take urgent action on climate-related risks, warning that failure to do so could do more damage than the financial crisis.

          

Basics

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Some basic facts to mull over:

A new study from Brown University’s Costs of War project puts that terror into stark relief. It estimates that 800,000 people have been killed in Afghanistan, Iraq, Syria, Pakistan, and Yemen in the wars we’ve launched since 9/11, with local civilians representing the largest share of that total.
But that’s a conservative estimate. When you add those who died from preventable causes thanks to decimated health care, food, and sanitation systems in our many war zones, American University’s David Vine writes, the figure climbs to 3.1 million. The vast majority are civilians.
That’s over 1,000 times the number of innocents who died on 9/11—an almost incomprehensible toll.


Americans have also paid dearly for these wars: $6.4 trillion, plus significant losses of life and limb. Some 7,000 U.S. troops have died in these conflicts. 


Maybe toss out that when you're passing the turkey around the table.

"Iraq snapshot" (THE COMMON ILLS):
Tuesday, November 26, 2019.  More problems for Joe Biden and the protests continue in Iraq as another protesters is shot dead.


Starting in the US where the race for the Democratic Party's presidential nomination continues.  What also continues?  War Hawk Joe Biden's struggling campaign.  As Kat noted, Joe's lost a key staffer.  Vanessa Cardenas.  Marc Caputo (POLITICO) reports:


A senior Joe Biden campaign staffer in charge of outreach to Latino, African-American and women’s groups has quit her post, telling two allies she was frustrated over her lack of input and with the presidential candidate’s immigration rhetoric.

Vanessa Cárdenas, the most senior Latina Biden staffer, had been serving as national coalitions director since the campaign formally announced its existence April 25. She resigned last week and has since changed her bio on Twitter to say she was “formerly with @joebiden.”
Cárdenas did not return a call or text message, but two friends familiar with her thinking told POLITICO that she felt the campaign wasn’t heeding her advice on immigration as she tried to reach out to Latino groups that have had longstanding concerns with the former vice president’s rhetoric and record stemming from the Obama administration.  



Adrian Carrasquillo adds a few thoughts.

Important scoop by . Here’s some additional context I just found out. 1/x






  • According to someone with knowledge of Vanessa Cardenas frustration from her time within Biden camp, there was concern the campaign is not welcoming on any suggestions on tone, immigration messaging, and they’re defensive on Obama deportations.





  • Again, there was mention of how frustrated they were with Jorge Ramos pummeling from September debate. The thing is Latino staff/activists know Ramos would ask Qs like this since he did of Obama.





  • A feeling from people who have spoken with Vanessa Cardenas was also the belief that Biden camp is taking Latinos for granted.


    Biden telling a Latino immigration activist “You should vote for Trump” came after Vanessa Cardenas decided to leave but like Caputo said it underscored the reasons for leaving.


    As it was said to me, you don’t have to hit Obama to say to activists “you’re right, DHS and ICE have been weaponized against Latinos, I will clean house and will review orders of deportation,” even if you won’t say you will end them all.
              

    Sustainability Solutions Take Center Stage at Demo Day for Black & Veatch Cleantech Accelerator

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    Seven U.S. entrepreneurs chosen to participate in the Black & Veatch IgniteX Cleantech Accelerator recently took the stage in downtown Kansas City to showcase their business models and demonstrate how they’re poised to rewrite how the enterprise focuses on sustainability.

    Powered by LaunchKC, the Cleantech Accelerator’s Demo Day drew 250 engineers, entrepreneurs, investors, students and professionals who watched as Accelerator founders presented their compelling proofs of how they’re gaining traction in the market.

    “When we launched the Accelerator at Black & Veatch, we announced we were looking for the boldest, brightest entrepreneurs and startups in the cleantech space,” said Hyleme George, program director for the Cleantech Accelerator and Demo Day host. “Combining the startups’ novel technology and nimbleness with Black & Veatch’s scale and expertise can move us further and faster towards our mission of building a world of difference through innovation in sustainable infrastructure.”

    View this video to learn more about the IgniteX Cleantech Accelerator.

    The Nov. 13 Demo Day forum provided the founders with a platform to share their business models via eight-minute pitches that spanned each company’s value proposition and market opportunity.

    “It has been incredibly effective to focus on a target area with an established and forward-looking Kansas City company like Black & Veatch to be able to identify and sort new technologies that can create jobs and follow-on investment in that industry,” said Drew Solomon, competition chair of LaunchKC and senior vice president at the Economic Development Corp. of Kansas City, MO.

    The IgniteX Cleantech Accelerator cohort entered the Demo Day fresh from a 12-week accelerator boot camp with Black & Veatch personnel and other industry experts, who assisted them in planning, designing and executing real-world projects in the clean technology space.

    Cohort demos included:

    AWARE VEHICLES, Kansas City, MO: Smart drones for precision agriculture and infrastructure.

    P.J. Piper, president & CEO, introduced an automated, innovative mobile docking platform for drones – including launch, recovery, and data transmission and charging – combined with artificial intelligence (AI) for the real-time study of farmland – down to moisture levels in individual plants - and infrastructure often in remote locations. https://www.awarevehicles.com/

    BUILT ROBOTICS, San Francisco, CA: Autonomous construction machinery for efficiency, safety and faster results.

    “We’re developing artificial intelligence guidance systems that will enable heavy equipment to operate autonomously,” said Jimmy Kim, Business Operations Lead. “Our focus is on building the software… the brains of the robot… to allow it to operate (heavy equipment) intelligently on job sites, and equipping them with the same capabilities and sensibilities that a human operator would have to ensure safety and efficiency. http://www.builtrobotics.com/

    ecoSPEARS, Altamonte Springs, FL: Green remediation of PCBs and dioxins in water, soils, and sediments.

    Co-founder Serg Albino is working with NASA and Black & Veatch to clean up the environment. “Imagine a world where every human being has access to clean food, clean soil, clean air and clean water,” said Albino, a former NASA aerospace engineer. ecoSPEARS has an exclusive license to leverage NASA’s proprietary technology to extract, contain and destroy PCBs and other contaminants in the environment. https://ecospears.com/

    ELECTRIPHI, San Francisco, CA: Fleet electrification for reducing carbon emissions.

    “We are on the cusp of the biggest energy transition in history. This is a multi-trillion-dollar transition from oil to electrons,” said Muffi Ghadiali, co-founder and CEO, who unveiled a fleet electrification planning tool. “If all of transportation, as we know it today, would electrify, that will mean we need to double or triple the grid capacity.

    “This will disrupt the entire value chain from how energy is produced, how energy is delivered, how energy is consumed. And this is creating amazing opportunities for existing companies to reinvent themselves and for new companies, like us, to be created. The thread that ties all of this together is data, intelligence and an ecosystem of collaboration.” https://electriphi.ai/

    EXTENSIBLE ENERGY, Berkeley, CA: Software to reduce demand charges in commercial buildings.

    John Powers, Founder & CEO, has unlocked the software that makes solar energy more cost-effective for commercial building owners. It begins with making buildings smarter to better manage their use of energy through demand control.

    “The U.S. generates about 2% of its electricity from solar today; in 10 years that will be 20 percent. That’s a $1 trillion opportunity,” Powers said. “It’s the largest energy infrastructure opportunity of the next decade.”

    Powers closed his presentation by announcing work toward a reseller agreement with Black & Veatch to bring the Extensible Energy integrated solution, Demand X, to market. “When an innovator like Extensible Energy and an engineering powerhouse like Black & Veatch come together with a solution that addresses the biggest energy opportunity of the next decade, the result for all of us will be a cleaner world.” https://www.extensibleenergy.com/

    INFRALYTIKS, Urbandale, IA: Artificial intelligence data analytics for sustainable infrastructure improvement.

    “In the last two years more data has been created than in the entire history of mankind. However, only about half of 1 percent of all that data gets analyzed. And that’s where we come in,” said Kevin Prendergast, president. “Machine learning unlocks the value of the data and makes it work for us.”

    Applying large-scale, real-time data analytics is the heartbeat of InfraLytiks, including a Black & Veatch assignment to automate the process of adding telecom lines and antennae to utility poles across the country – potentially all 180 million utility poles in the U.S. “There is huge demand for lines on the poles. This is valuable real estate,” he said. “The value for consumers, of course, is connectivity.” https://infralytiks.com/

    NOVONUTRIENTS, Sunnyvale, CA: Converting industrial CO2 emissions into protein-rich feed.

    Black & Veatch is committed to finding new technologies that will reshape the food and agriculture system as we know it. And, that’s where David Tze, CEO, enters the picture.

    NovoNutrients has created a gas fermentation technology that will convert industrial carbon dioxin emissions into protein for aquafeed – the essential food in aquaculture and its farm-raised seafood – that is far more cost-effective and plentiful than aquafeed products now on the market.

    With about 40 billion tons per year of greenhouse gases for NovoNutrients to “farm,” Tze said six sectors are well-suited for the NovoNutrients technology. https://www.novonutrients.com/

    “These seven companies are on the front lines of the cleantech revolution,” George said. “Through our partnership with LaunchKC and by bringing the cohort together with our professionals at Black & Veatch, this program is an emphatic endorsement about how new technology can be used to solve our biggest resource and infrastructure challenges.”

    ---

    Editor’s Note: A livestream video of the Black & Veatch Demo Day is available at https://youtu.be/JGIofiDgIhE

    About Black & Veatch

    Black & Veatch is an employee-owned engineering, procurement, consulting and construction company with a more than 100-year track record of innovation in sustainable infrastructure. Since 1915, we have helped our clients improve the lives of people in over 100 countries by addressing the resilience and reliability of our world's most important infrastructure assets. Our revenues in 2018 were US$3.5 billion. Follow us on www.bv.com and on social media.

    About LaunchKC

    LaunchKC has evolved from a 5-year-old grants competition into a tech accelerator platform that leverages grants, as well as creates new opportunities for investors, entrepreneurs, workers and the tech ecosystem of Kansas City. Its bottom line is to attract scalable companies to create more jobs and opportunities while growing the local economy. LaunchKC is an initiative of the Downtown Council (DTC) and the Economic Development Corporation (EDCKC) both of Kansas City, Missouri.

    Media Contact Information:

    CHRISTOPHER CLARK, Black & Veatch, 913-458-2778

    MIKE HURD, LaunchKC, 816-447-2136


              

    Second Sustainable Finance Week Convened by Bloomberg to Accelerate the Next $10 Trillion of Sustainable Investment

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    The second annual Sustainable Finance Week convened by Bloomberg will expand beyond events in New York to Toronto this year. Taking place during the first week of December, Sustainable Finance Week (SFW) conversations in both cities will focus on how we accelerate the mobilization of the next $10 trillion in sustainable investment. With over $30 trillion of assets managed sustainably, sustainable finance is no longer a niche investment strategy, and is becoming increasingly mainstream. Four major events throughout the week – supplemented by additional related events – will bring together more than 1,500 thought leaders and decision-makers from the worlds of finance, business and policy.

    SFW is made possible through collaboration with our presenting sponsors Nuveen and BMO, core conveners Responsible Investor and the Sustainability Accounting Standards Board (SASB) and supporting sponsor Natixis.

    The four core convener events taking place during Sustainable Finance Week this year are:


              

    Breakingviews TV: Aramco’s IPO

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    The world’s biggest oil company has fixed on a $1.7 trillion valuation – less than it wanted but probably more than it merited. Getting that number means pulling out all the stops, including loans to Saudi citizens to help them buy the stock. George Hay explains what’s at stake.

              

    The safe-deposit box makes a comeback

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    Here are three of the week's top pieces of financial insight, gathered from around the web:

    Beware of the cash-out refi
    "Cash-out refinances are gaining popularity again — and are still dangerous," said Keith Jurow at MarketWatch. These modified mortgages are when "the borrower pulls out some of the equity in the house by taking out a new mortgage larger than the previous one," and keeps the cash — essentially using the home as a piggy bank. Between 2005 and 2007, "$3.1 trillion in cash-out refis was handed to homeowners." When the bubble burst, "droves of borrowers defaulted," and cash-out refis largely disappeared. Now they've suddenly skyrocketed, and 82 percent of homeowners who refinanced in the last quarter of 2018 took cash out. "Lenders and borrowers alike have apparently learned little from the bubble-era excesses and subsequent crash."

    Government impersonation scams
    A con artist posing as an FBI agent for 50 hours of phone calls over three days got a woman to part with her life savings of $340,000, said Sarah Krause at The Wall Street Journal. The scammer gave Nina Belis, a nurse in her 60s, "his badge number and a story about how her identity had been compromised." Having gotten her to listen, he spun his story in three days of almost nonstop phone calls and texts, convincing Belis that she would need to get a new Social Security number, cooperate with the "investigation," and move her savings into "government-protected accounts." While Belis lost an unusual amount of money, experts say that "government impersonation scams" routinely snare thousands of people. In just the first nine months of this year, regulators received "more than 139,000 reports of fraud in which people claimed to be from the Social Security Administration."

    Safe-deposit boxes back in vogue
    Anxious wealthy investors are turning to old-fashioned safe-deposit boxes, said Benjamin Stupples at Bloomberg. "For some, it's the threat of a global recession." Others "are concerned about natural disasters." The rich are scrambling to secure "metals, cash, and cryptocurrency," even as banks in the U.S. are closing branches and opting not to install safe-deposit boxes in many new ones. Some have turned to nonbanks offering vaults, such as Sincona Trading AG, "with more than 1,000 safe-deposit boxes for rent in central Zurich." Another stronghold in central London "resembles a private club, with wood-paneled walls and an ornate fireplace." An "apartment-size" storage space there costs $3.2 million a year.


              

    10 things you need to know today: November 30, 2019

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    1.

    A 28-year-old man who had previously been jailed for his role in a plot to blow up the London Stock Exchange in 2012 carried out a stabbing attack at London Bridge that resulted in the deaths of a man and a woman Friday and injuries to three others. Police believe that Usman Khan, who is affiliated with an al-Qaida-inspired terrorist group, acted alone in the attack, which is considered a terrorist incident. Khan was shot dead by police after civilians restrained him. Khan was reportedly wearing a GPS police tag and was out on parole. Police are now investigating how he was able to launch the attack despite authorities monitoring his movements. Police confirmed that, prior to the attack, Khan was attending a Cambridge University conference on prisoner rehabilitation. [BBC, The Guardian]

    2.

    President Trump has until Dec. 6 to alert the House Judiciary Committee if his counsel intends to call witnesses and introduce evidence in the committee's upcoming impeachment hearings as the inquiry transitions away from the House Intelligence Committee to the judiciary panel. Judiciary Committee Chair Rep. Jerrold Nadler (D-N.Y.) set the deadline in a letter sent to the president Friday. Nadler also set the same deadline for Republican lawmakers on the Democrat-led committee to let him know about any intended witnesses and evidence they wish to involve in the hearings. The lawmakers will then have a meeting on Dec. 9. Trump has also been invited to attend the committee's initial hearing scheduled for Dec. 4. He must decide by Sunday evening if he will accept. It is unclear how Trump or his counsel will respond to either request. [Reuters, The Washington Post]

    3.

    Neither the Taliban nor the Afghan government indicated the sides were close to a cease-fire agreement, despite President Trump's assertion while visiting U.S. troops in Afghanistan for Thanksgiving on Thursday that the Taliban was ready to strike a deal. "We are ready to talk, but we have the same stance to resume the talks from where it was suspended," the Taliban said in a statement in response to Trump's announcement. Talks between Washington and the Taliban sputtered in September without any formal conclusion. Sediq Seddiqi, a spokesman for Afghanistan's President Ashraf Ghani, said "it is too early to comment on any changes or any perceived changes" in negotiations. [The Washington Post, The New York Times]

    4.

    Danielle Stella, a Republican challenging Rep. Ilhan (D-Minn.) for her Congressional seat, had her Twitter account permanently suspended for repeatedly violating the social media platform's rules, a Twitter spokesperson said. Most notably, Stella wrote Tuesday that Omar should be tried for treason and "hanged" if a baseless claim that the congresswoman passed sensitive information to Iran was proven to be true. She reportedly later added a link to a blog post that included a drawing of a stick figure being hanged. Omar said Stella's tweets are the "natural results of a political environment where anti-Muslim dogwhistles and dehumanization are normalized by an entire political party and its media outlets." [CNN, Fox News]

    5.

    About 1,000 secondary school students and senior citizens joined together for a peaceful march Saturday in Hong Kong as part of the city's pro-democracy, anti-government movement. It was the first of several rallies planned for the weekend, as protesters continue to push back against what they consider to be police brutality and unlawful arrests. The demonstration was reportedly organized to show that Hong Kong's demands for freedom and democracy are cross-generational. Police authorized the march, which took place a week after the pro-democracy movement dominated the polls in Sunday's elections, taking 17 of the city's 18 district councils. One student said it was "inspiring to see that we are all striving for the same ideologies" despite the age gap. [The South China Morning Post, Reuters]

    6.

    Two 15-year-old girls and a 13-year-old boy were injured Friday by a male suspect in a stabbing attack Friday in the Dutch city, The Hague. The victims have since been released from the hospital. The attack took place in the city's main market square while shoppers were out during Black Friday, which led to unusually large crowds. Police are still hunting for the suspect, and the motive remains unclear. An earlier description of the suspect was later rendered incorrect. Police have asked for patience and said that the complexity of the case means it will take time. [BBC, Deutsche Welle]

    7.

    The initial public offering from Saudi Arabian oil giant Aramco has drawn total bids of $44.3 billion so far from retail and institutional investors, about 1.7 times the amount the kingdom plans to reel in. The sale is on pace to be the world's largest listing when it formally prices next week. Most of the bids came from Saudi investors, however, hinting that international investors are wary about the state-owned company's valuation of $1.6 to $1.7 trillion set by the government. The Saudi government is aiming to sell a 1.5 percent stake and raise $25.6 billion, which would beat out Alibaba's $25 billion IPO in 2014. The IPO is a central part of Crown Prince Mohammed bin Salman's plan to diversify the Saudi economy. [Al Jazeera, The Wall Street Journal]

    8.

    Iraqi Prime Minister Adel Abdul Mahdi on Friday announced his resignation following Wednesday's firebombing of the Iranian consulate in Najaf and weeks of antigovernment protests that have left hundreds dead. In a statement, Mahdi said that his decision would allow Iraq to "preserve the blood of its people, and avoid slipping into a cycle of violence, chaos, and devastation," although his successor has not been named. At least 400 protesters have been killed since the beginning of October, with 40 shot dead by security forces in three cities Thursday and early Friday. [The New York Times]

    9.

    A massive winter storm that has already prompted warnings from Arizona to Wisconsin will be lumbering east in coming days, almost certainly interfering with Thanksgiving return-travel plans for millions. By the time it's finished, the storm, created by the same conditions that caused the "bomb cyclone" in California and Arizona earlier in the week, could pummel an area stretching from the Sierra Nevadas to New England — where a nor'easter is predicted to begin on Sunday night. [The Washington Post]

    10.

    Arizona Cardinals cornerback Josh Shaw received an indefinite suspension from the NFL that will at least last through the 2020 season for betting on NFL games multiple times this season. Shaw has not played for the Cardinals this season after landing on injured reserve in August following a shoulder injury. As a result, he reportedly hasn't been around the team very much during the season. The league did not find that Shaw used any inside information to bet on games or that any game was compromised. Shaw's teammates and coaches were also reportedly unaware of his gambling and were not involved. Betting on football is prohibited for anyone who works for the NFL in any capacity. Shaw is the first player to be suspended for gambling by the league in 36 years. [ESPN, CBS Sports]


              

    Cyber Monday starts at 12 a.m. tonight — here are the best deals from Amazon, Best Buy, Walmart, and more stores

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    Cyber Monday Best Deals 4x3

    • While extended Black Friday deals are still going on today, Cyber Monday starts at 12 a.m. tonight and some the best deals are already live.
    • Cyber Monday deals we really like this year include the newly launched Echo (3rd Gen) ($40 off), a yearlong Hulu Basic subscription ($48 off), and the Ninja Foodi 8-Quart 9-in-1 Pressure Cooker ($80 off), as well as sitewide store sales, like 20% off everything at Brooklinen and Bombas and up to $350 off mattresses at Leesa
    • Bookmark this page to stay updated on all the latest Cyber Monday deals. We're updating it in as close to real-time as possible throughout today and this week.  
    • To potentially save more on Cyber Monday deals this year, visit Business Insider Coupons to find the most up-to-date coupons and promo codes.

    Updated on 12/1/2019 at 10:18 p.m. ET.

    And just like that, Black Friday is (mostly) over and Cyber Monday (December 2) is starting tonight. If you've been keeping up with our coverage, you probably know that many early deals and Cyber Monday ads are already live. 

    Below, learn everything you need to know about Cyber Monday, including where to shop, what to buy, and what deals you can already start taking advantage of at Amazon, Best Buy, Macy's, Target, Walmart, and more stores. 

    The best early Cyber Monday deals of 2019: 

    These deals are live and available through Cyber Monday, so you can save time and avoid sold-out deals by shopping them now. 

    1. Best Echo deal: Echo (3rd Gen), $60 (originally $100) [You save $40], available at Amazon
    2. Best e-reader deal: Kindle Paperwhite, $85 (originally $130) [You save $45, and earn $5 ebook credit], available at Amazon
    3. Best large appliance deal: 40% off Appliance Special Buys, available at The Home Depot through December 5 
    4. Best mattress deal: Up to $350 off mattresses + 2 free pillows, available at Leesa through December 6
    5. Best video-streaming deal: Hulu Basic: New members get their first year for $1.99 a month (normally $5.99 a month) [You save $48], available at Hulu
    6. Best music-streaming deal: Amazon Music Unlimited: New members get four months for $1 (normally $32) [You save $31], available at Amazon 
    7. Best TV deal: Vizio 75-inch P-Series Quantum TV, $1,500 (originally $2,000) [You save $500], available at Best Buy 
    8. Best TV deal: LG 65" Class OLED C8 Series 4K, $1,969 (originally $2,997) [You save $1,028], available at Walmart
    9. Best laptop deal: Apple MacBook Air, $900 (originally $1,100) [You save $200], available at Best Buy
    10. Best tablet deal: Fire HD 8 Tablet, $50 (originally $80) [You save $30], available at Amazon
    11. Best tablet deal: Samsung Galaxy Tab S4 + free security software, $450 (originally $650) [You save $200], available at Best Buy
    12. Best earbud deal: AirPods with wireless charging case, $165 (originally $200) [You save $35], available at Walmart and Best Buy
    13. Best fitness tracker deal: Garmin Fenix 5X Sapphire, $300 (originally $600) [You save $300], available at Amazon
    14. Best smart home deal: August Smart Lock Pro + Connect, $150 (originally $280) [You save $130], available at Amazon
    15. Best kitchen appliance deal: SodaStream Fizzi Sparkling Water Maker Bundle, $100 (originally $150) [You save $50], available at Amazon *on December 2*
    16. Best kitchen appliance deal: Ninja Foodi 8-Quart 9-in-1 Pressure Cooker & Air Fryer, $200 (originally $280) [You save $80], available at Best Buy 
    17. Best vacuum deal: Ecovacs Deebot 500 Robot Vacuum, $135 (originally $280) [You save $145], available at Amazon 
    18. Best vinyl cleaner deal: Spin-Clean Record Washer Complete Kit, $60 (originally $80) [You save $20], available at Amazon
    19. Best electric toothbrush deal: Oral-B 9600 Electric Toothbrush, $142.13 with coupon (originally $199.94) [You save $57.81], available at Amazon
    20. Best kitchen startup deal: Up to 30% off cookware from Made In
    21. Best jewelry startup deal: Up to 30% off gold jewelry from Aurate
    22. Best clothing startup deal: 20% off socks from Bombas

    What makes these deals great: 

    1. Echo (3rd Gen), $60 (originally $100) [You save $40], available at Amazon. The latest Echo balances affordability and features, and on Cyber Monday there's the opportunity to bundle it with discounted accessories like the Smart Plug and Smart Bulb Starter Kit, or services like four free months of Amazon Music Unlimited
    2. Kindle Paperwhite, $85 (originally $130) [You save $45, and earn $5 ebook credit], available at Amazon. We ranked the Kindle Paperwhite (currently $85) as the top mid-range ebook reader in our buying guide. It's waterproof and has a sharp 6-inch screen, so you can easily read on the train or by the pool. This is the lowest price we've seen on this model and you'll also earn $5 in ebook credit too, so you'll save on your first book or two.
    3. 40% off Appliance Special Buys, available at The Home Depot through December 5. The well-known Home Depot event saves you hundreds on refrigerators, washers, dryers, ovens, and other large appliances, plus you get free delivery on purchases of $396 or more. To make it easy on you, there are also multiple pre-bundled packages for your favorite brands, like Samsung and GE
    4. Up to $350 off mattresses + 2 free pillows, available at Leesa through December 6. A big startup deal to consider comes from Leesa, whose Hybrid mattress is our favorite mattress we've tried. Plus, your Black Friday purchase will help someone in need — the certified B Corp donates one mattress to someone in need for every mattress sold.
    5. Get Hulu Basic for $1.99 a month for the first year (normally $5.99 a month) [You save $48], available at Hulu. The 2019 deal is not as good as the 2018 deal, which gave new subscribers a yearlong subscription to the ad-supported version of Hulu for $0.99 a month, but it's still a great deal overall, saving them $48 in their first year. 
    6. Amazon Music Unlimited: New members get four months for $1 (originally $32) [You save $31], available at Amazon. Amazon's music streaming service normally costs $8 a month for Prime members, making this $1 deal (just $0.25 a month) a can't-miss discount for anyone who loves listening to music. We recently reviewed Amazon Music Unlimited and found it to be pretty similar to Spotify in terms of its song catalog.
    7. Vizio 75-inch P-Series Quantum TV, $1,500 (originally $2,000) [You save $500], available at Best Buy. In addition to matching the best price ever on this 4K smart TV, Best Buy is offering 40% off your first two months of Sling TV, so you can start watching right after you set it up. 
    8. LG 65" Class OLED C8 Series 4K, $1,969 (originally $2,997) [You save $1,028], available at Walmart. If you're looking for a top-of-the-line 4K TV, the LG 65" C8 is the top pick in our buying guide. It has crystal-clear 4K quality, OLED screen, and tons of features that make this deal worth checking out.
    9. Apple MacBook Air, $899.99 (originally $1,099.99) [You save $200], available at Best Buy. The new MacBook Air is one of the best laptops you can get, and with this $200 discount, it's very affordable.
    10. Fire HD 8 Tablet, $50 (originally $80) [You save $30], available at Amazon. This tablet balances affordability, versatility, and practicality. It already created great value at its original price of $80, but now it's back at its lowest price — last seen during the holiday season in 2018. 
    11. Samsung Galaxy Tab S4 + free security software, $450 (originally $650) [You save $200], available at Best Buy. The bestselling Samsung tablet is at its best price, so don't pass up the opportunity to get a fast and powerful device for less. The good news is that it doesn't seem like it will sell out — it's been on sale since Black Friday. 
    12. AirPods with wireless charging case, $165 (Originally $200) [You save $35], available at Best Buy and Walmart. AirPods were a popular purchase during Black Friday, but if you missed out, don't worry. You can still save $35 during Cyber Monday. 
    13. Garmin Fenix 5X Sapphire, $300 (originally $600) [You save $300], available at Amazon. This premium GPS watch is enjoying a can't-miss 50% discount right now. $300 for a full-color GPS watch with features like mapping, cycling maps, run profiles, and smart notifications is a great deal. 
    14. August Smart Lock Pro + Connect, $150 (originally $280) [You save $130], available at Amazon. This is our favorite smart lock currently on the market, and it's never sold for less. It works with Nest, SmartThings, Alexa, Google Assistant, and HomeKit, and it offers geofencing and a number of other advanced features. 
    15. SodaStream Fizzi Sparkling Water Maker Bundle, $100 (originally $150) [You save $50], available at Amazon *on December 2*. The taste for sparkling water is stronger than ever. If you love sparkling water but want to save money by making it at home yourself, wait until SodaStream's $50-off deal goes live on Monday. 
    16. Ninja Foodi 8-Quart 9-in-1 Pressure Cooker & Air Fryer, $200 (originally $280) [You save $80], available at Best Buy. Best Buy offers a lower price than Amazon on this multi-functional cooker that can also air fry foods. It's a large piece of equipment, but it's also the only one you'll need on your counter.
    17. Ecovacs Deebot 500 Robot Vacuum, $135 (originally $280) [You save $145], available at Amazon. The Alexa- and Google Assistant-compatible vacuum has never seen a lower price, but the deal will only be available tonight. There's also an option to bundle it with an Echo Dot for just $22 more. 
    18. Spin-Clean Record Washer Complete Kit, $60 (originally $80) [You save $20], available at Amazon. The little yellow unit has been around since the '70s, but it remains one of the most straightforward and effective ways to wring the dirt and grime from the grooves of your records. Since more elaborate solutions can cost hundreds, the kit is also one of the most affordable. We've never seen it this cheap.
    19. Oral-B 9600 Electric Toothbrush, $142.13 with coupon (originally $199.94) [You save $57.81], available at Amazon. Apply the $30 extra savings coupon and you can get this powerful electric toothbrush at an all-time-low price. 
    20. Up to 30% off cookware from Made InMade In's cookware is trusted by home cooks and professional chefs alike and hits the sweet spot of affordability and quality. We highly recommend its nonstick frying pan
    21. Up to 30% off gold jewelry from AurateAurate's biggest ever sale lets you save on fine jewelry gifts like gold earrings and diamond necklaces. Just use code "GOLDMONDAY" now through December 2. 
    22. 20% off socks from Bombas. Not only does Bombas make ultra-comfortable and supportive socks, but it also donates a pair to someone in need for each pair sold. 

    How we selected the best Cyber Monday deals:

    • We only chose products that meet our high standard of coverage, and that we've either used ourselves or researched carefully.
    • We compared the prices among top retailers such as Amazon, Best Buy, Target, and Walmart and only included the deals that are better than all others offered (not including promotional discounts that come from using certain credit cards).
    • All deals are at least 20% off, with the occasional exception for products that are rarely discounted or provide an outsized value.

    We're sharing more information about early and anticipated deals as Cyber Monday 2019 approaches tomorrow. In the meantime, check out some of the best live Cyber Monday deals you can take advantage of now.

    Shop more of the best Cyber Monday deals:

    Laptop and tablet deals

    Find more Cyber Monday tech deals here



    TV deals

    Find more Cyber Monday TV deals here



    Headphone and speaker deals

    Find more AirPod Cyber Monday deals here



    Smart home deals

    Find more Amazon Echo deals here



    Wearables and fitness tracker deals



    Home and kitchen deals



    Health and personal care deals

     



    Cyber Monday 2019 FAQs:

    What is Cyber Monday?

    As a continuation of sorts of Black Friday, Cyber Monday gives you another opportunity to save on tech, home goods, clothing, and other deals that you might've missed while recovering from Thanksgiving dinner. 

    The sales are actually in your favor if you missed Black Friday because Cyber Monday usually has slightly better deals overall, with shoppers enjoying an average of 2.5% greater savings. 

    Cyber Monday also offers a great opportunity to save on all your holiday gifts before the last-minute rush. Whether you want cheap stocking stuffers or big tech gifts, you should be able to find what you need during the sales event. 

    The upcoming Cyber Monday is expected to be the biggest online shopping day in US history — sales could surpass $10 billion and contribute to the first-ever trillion-dollar holiday season. 

    When is Cyber Monday?

    Cyber Monday is on December 2 this year and falls into the general "Cyber Week" of online sales and deals that takes place around Thanksgiving.

    Read more about when you can expect Cyber Monday deals to begin and end here.

    What are the best Cyber Monday deals of 2019?

    Some of the online retailers that have great Cyber Monday deals include Amazon, Target, and Best Buy. Retail startups such as Leesa and Brooklinen also offer really competitive deals. For some, Cyber Monday (or Cyber Week) is one of the only times of the year when their products are discounted, so we recommend shopping at these smaller brands as well. 

    Bookmark this page to stay updated on all the latest news on Cyber Monday 2019 deals. 

    This page is our master list of the very best Cyber Monday deals of 2019. Here's everything else you should know about Cyber Monday: 



    Where to shop the best Cyber Monday deals

    We are rounding up the best deals from the top Cyber Monday retailers. Some already have live and early deals, while others have released their Cyber Monday preview ads. 

    1. Amazon Cyber Monday deals
    2. Best Buy Cyber Monday deals
    3. Walmart Cyber Monday deals
    4. Target Cyber Monday deals
    5. Macy's Cyber Monday deals
    6. Wayfair Cyber Monday deals
    7. Apple Cyber Monday deals



    The best Cyber Monday sales from startups

    Startups such as Leesa and Brooklinen offer really competitive Cyber Monday deals. For some startups, Cyber Monday is the only time of the year when their products are discounted, so we recommend shopping at these smaller brands as well. 

    1. Mott & Bow: Up to 35% off everything now through December 2
    2. Brooklinen: 20% off sitewide now through December 3
    3. Bombas: 20% sitewide with code "HOLIDAY20" now through December 5 
    4. Purple: Up to $400 off mattress and sleep bundles now through December 5
    5. Leesa: Up to $350 off mattresses + 2 free pillows now through December 6
    6. Dagne Dover: 20% off sitewide from November 26 through December 4
    7. Mejuri: 10% off one item, 15% off two items, and 20% off three or more items from November 27 through December 2
    8. Parachute: 20% off everything from November 29 through December 2 



    See more Cyber Monday 2019 sales and deals




              

    Comment on Net Worth – Apr 2008 by marcus anthony bynum

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    the new yuan denominated loans stood at 1.06 trillion yuan (150.06 billion) in july down from 1.66 trillion yuan in june....Also through small business administration there is another thank you for the webinars on 7 way for your small business to make money on amazon ....Among the suggest reforms was the creation of a promotion and regulation system with the top 24 teams...
              

    RT @100trillionUSD: #Bitcoin halving .. 5 months to go 🚀 For miners: production cost of 1 btc will double For investors: stock-to-flow (unforgeable scarcity, inability to inflate stock) will double http://bit.ly/2DxZsvk

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    http://twitter.com/Bitcoin/status/1201156547717414918
              

    End the Wars, Win the Antiwar Vote

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    Peter Certo
    Americans have also paid dearly for these wars: $6.4 trillion, plus significant losses of life and limb. (Photo: Shutterstock)
    Americans have also paid dearly for these wars: $6.4 trillion, plus significant losses of life and limb. (Photo: Shutterstock)

              

    As Climate Protesters Fume, Envoys Build a Wall of Green Money

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    As Climate Protesters Fume, Envoys Build a Wall of Green Money(Bloomberg) -- Climate envoys from almost 200 nations will gather in Madrid starting Monday for two weeks of talks organized by the United Nations. The ambition at COP25 is to build on the four-year-old Paris Agreement, at which governments pledged to limit fossil-fuel pollution, by reviving a corner of the market in carbon pollution credits. If that doesn’t sound like stakes commensurate with the ongoing climate crisis, that’s because it isn’t.Protesters have taken to the streets again and again this year calling for immediate action to cut back on fossil fuels, including thousands of arrests in more than a dozen cities in October alone. The 16-year-old activist Greta Thunburg harangued world leaders for their inaction at the prior UN climate summit. The politics of the masses and the politics of the diplomats have rarely been so mismatched as they are at these Madrid climate talks.“There is a disconnect between what people are asking for and what we’re seeing,” Gilles Dufranse, policy officer at Carbon Market Watch, a Brussels-based research group that advises companies on how to put a price on greenhouse-gas emissions. “Multilateral meetings are very difficult, but it’s the only solution we have.”And billions of dollars could be in play, which is why thousands of companies and hundreds of financial institutions will be watching COP25 closely. Away from the headlines and grand promises sought by environmental groups, the delegates are quietly building a legal framework to support a wall of money that will guide the world in a greener direction.Scientific findings this year have given an urgency to the process. Carbon emissions and temperatures have been breaking records, which scientists have linked to the increased frequency of violent storms and wildfires everywhere from Sweden to Japan and California. Global temperature increases since the industrial revolution are on track to push well past the UN target of 1.5 degrees Celsius (2.7 Fahrenheit), according to research from Climate Action Tracker, a group of three consultants examining the issue. While few would notice that amount of warming on a single day, when applied to the world as a whole it would mark the quickest shift in the climate since the end of the last ice age some 10,000 years ago.Shifting the world away from fossil fuels will require mind-boggling amounts of money. At least $71 trillion needs to be invested into energy over the next 20 years to reach the nirvana where global warming is held in check and the UN meets its sustainable development goals, according to the International Energy Agency. That’s about a fifth more than the $59 trillion that the IEA figures will be spent under a business-as-usual scenario.Raising that amount of cash requires slow and careful work. Like arms control or trade negotiations, the climate talks deliver milestone treaties only after years of preparation, spending the time in between on fine details undergirding broad arrangements already put in place. The carbon market is one of the most complicated mechanisms envoys have worked on, since it touches so many parts of the economy.The aim is to set up a system that creates credits for work done to reduce emissions. That might include installing wind farms, protecting forests or insulating buildings so they consume less energy. Countries that generate more savings than their target would be able to sell those credits to others that are struggling to reach their goal.In theory, that will channel money to projects where the biggest savings can be made most cheaply. The difficulty is in defining what kinds of work count, how to measure those savings and what would ensure that countries don’t get credit both for making the savings and generating a credit. And this year, the envoys will talk about how to add the UN sustainable development goals to the market mechanism, adding issues like poverty and water protection to the list of things that might be able to generate a credit.The Long Road to MadridThe meeting in Madrid is part of a series of discussions stretching back three decades. It will bring together energy and environment ministers from the 197 countries that signed the Framework Convention on Climate Change in 1992. About 20,000 people will attend, including press, pressure groups and multinational institutions ranging from OPEC to the World Bank.The 1992 treaty held that global warming was real, rich industrial nations caused it and should therefore help developing countries with aid and technology to support greener solutions. While each one of those ideas is controversial now in Washington, the U.S. ratified the treaty under Republican President George H.W. Bush. President Donald Trump has vowed to pull out of the Paris Agreement but not the convention that made the 1992 treaty possible.The convention led to the 1997 Kyoto Protocol, which was a landmark because it mandated emissions cuts in 37 industrial nations plus the European Union. That group vowed to cut fossil fuel pollution 5% from 1990 levels by 2012, and later signed up to a second commitment period that will finish next year, when the Paris Agreement kicks in.Paris marked the first time that all countries, rich and poor alike, agreed to make cuts in their greenhouse gas emissions. That brought China and India into the system. They had no obligations under Kyoto but since then have become two of the worst polluters. The cost of bringing those countries on board was that the Paris commitments are voluntary — every country decides for itself what level of emissions cut it can make and how those will be achieved.On the Agenda This YearThis year’s meeting in Madrid is meant to elaborate on Article 6 of the 27-page Paris Agreement. That section deals with creating market mechanisms that each nation can use to help it meet emissions targets—something companies think they can profit from.These systems aren’t new. The Clean Development Mechanism came out of Kyoto and has fed at least $138 billion into projects that reduce harmful gases that come from burning fossil fuels. The ambition in Madrid is to create a “Sustainable Development Mechanism” that might go well beyond the work of the CDM, feeding money both to clean-energy programs and to projects that meet the 17 UN sustainable development goals.Friction over the nature of the rules is threatening this work and prevented a deal on Article 6 last year. Industrial nations led by the European Union want careful record-keeping and verification to make sure aid money actually goes into cutting emissions, which was one of the things the CDM lacked. Developing nations led by Brazil want a more flexible and free-wheeling system where a wider variety of programs qualify. An agreement is crucial to get big money to back the new Sustainable Development Mechanism credits.“What is critical is the credibility of the system,” said Gianpiero Nacci, deputy head of climate finance at the European Bank for Reconstruction and Development, a London-based institution that’s helping commercial banks unlock money for green finance. “It could accelerate low-carbon investment.”About 2 billion CDM credits each representing 1 ton of avoided emissions were issued over the life of the program. The value of those credits peaked at more than 21 euros ($23) in 2008. They tumbled since and trade at around 17 cents apiece now after the EU, which was the main buyer of the credits, lost faith in CDM bookkeeping and wanted to clear up a glut in its own Emissions Trading System.The CDM’s demise still rankles developing nations, which are anxious to see the cash infusion they’ve been promised. A decade ago, industrial countries pledged to step up climate-related aid to $100 billion a year by 2020. While they’re on the way to reaching that goal, dishing out $71.2 billion in 2017 according to the OECD, there’s little detail on how that money will flow in the future.That puts attention on the Article 6 debate. Creating rules around a Sustainable Development Mechanism would also set out a framework for clean-energy developers financiers to work with and unlock money for more emissions-cutting work. Slowly, the financial world is taking note. More than 500 fund managers with $35 trillion of assets calling on governments to take more action through a London-based group called the Institutional Investors Group on Climate Change.“Business people want clarity,” said Jean-Marc Ollagnier, chief executive of Accenture Plc’s resources operating group. “When they get clarity they will find incentives to invest. If they don’t, they will find excuses to delay.”To contact the authors of this story: Reed Landberg in London at landberg@bloomberg.netJeremy Hodges in London at jhodges17@bloomberg.netTo contact the editor responsible for this story: Aaron Rutkoff at arutkoff@bloomberg.netFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.



              

    Merkel's coalition in peril as new leader of SPD calls union 'crap for democracy'

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    Merkel's coalition in peril as new leader of SPD calls union 'crap for democracy'Germany’s ruling coalition is facing collapse after the new leader of the junior partner to Angela Merkel’s Christian Democratic Union (CDU) branded the parties' long-standing arrangement “crap for democracy”.  The leftist duo of Saskia Esken and Norbert Walter-Borjans won a shock victory to take control of the centre-left Social Democrats (SPD) party on Saturday, defeating a centrist pair led by finance minister Olaf Scholz. Their victory in the membership poll will soon be formalised by party delegates. Speaking to broadcaster ARD, Ms Esken held her cards close to her chest on whether she intends to walk out on the coalition, something that would accelerate the end of Chancellor Merkel’s career. But she made clear that she saw the coalition as damaging her party and German democracy, with both parties having to make compromises that alienated supporters.  “We’ve seen both big parties lose a lot due to the coalition, so we both have an interest in governing in other alliances,” Ms Esken said. The Chancellor could be forced into early retirement Credit: REX The new leadership will set out their plans at the party conference over the coming weekend, where delegates will vote on several decisions key to the country’s immediate future including whether to stay in the coalition until 2021. Ms Esken has suggested she would be willing to stay in the pact but only if the CDU agreed to half a trillion euros in public spending on key infrastructure over the next decade. Such a huge spending package would mean blowing up the centre-right party's hallowed “schwarze null” spending rules, which commit Berlin to maintaining a balanced budget. With Germany’s economy stagnating, a growing chorus of economists and left-wing politicians have called for the government to make use of historically low interest rates and increase investment in roads, rail infrastructure and schools via new debts. But the CDU’s economic council warned the party leadership on Sunday not to “give in to the SPD’s utopian demands only for the sake of staying in power.” Mrs Merkel's would-be successor, Annegret Kramp-Karrenbauer, urged the Social Democrats on Sunday to remain part of the government  but ruled out re-negotiating their agreement. “For the CDU it is quite clear: we stand by this coalition,” she said. “We stand by this coalition on the basis that has been negotiated.“ Several CDU heavyweights also made clear they were in no mood to talk, with one dismissing the SPD as being in “self-destruction mode.”  If the SPD walk out, the most likely outcome would be the CDU going it alone as a minority government under Ms Merkel or new elections being called for next year. Such an outcome would mean the end of the veteran Chancellor's rule. The power struggle inside the SPD is set to continue at party conference where moderates, who had to swallow an 8 percent defeat for their candidates, will seek to balance the leftists’ new strength by winning elections for the vacant deputy leader positions. The SPD has been without a leader since June when Andrea Nahles resigned after a poor showing in the European elections and months of desperate polling figures.



              

    Warming toll: 1 degree hotter, trillions of tons of ice gone

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    Warming toll: 1 degree hotter, trillions of tons of ice goneSince leaders first started talking about tackling the problem of climate change, the world has spewed more heat-trapping gases, gotten hotter and suffered hundreds of extreme weather disasters. The first United Nations diplomatic conference to tackle climate change was in Rio de Janeiro in 1992. — The carbon dioxide level in the air has jumped from about 358 parts per million to nearly 412, according to the U.S. National Oceanic and Atmospheric Administration.



              

    Apple devices, gaming products hit among Black Friday shoppers

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    New York/San Francisco: The Black Friday shopping frenzy caught up with people across the globe after Thanksgiving Day and deal shopping was so intense that Costco's website and app in the US went down and long queues were seen outside hypermarket stores like Walmart, Target and Best Buy.

    According to USA Today, At a J.C. Penney store in Merritt Island, Florida, shoppers started lining up before noon for a coupon giveaway at 2 p.m. on Thursday. By the time the store opened, hundreds had lined up.

    "Major retailers, including Best Buy, Target, Macy's and for the first time Bed Bath & Beyond, have in-store specials for those who want to shop on the holiday," said the report.

    According to the US National Retail Federation, shoppers are expected to spend $728 billion to $731 billion in November and December. Market research firm eMarketer predict the shopping may even hit $1 trillion this year.

    Smartphones and gaming products were once again topped the chart for shoppers on Day One.

    The US carriers AT&T, Sprint and Verizon put special Black Friday and "Cyber Monday" deals on Apple iPhones.

    Best iPhone deals were: Get iPhone 11 for $0/mo at Sprint when you trade in your iPhone 6s or newer in any condition; save up to 60 per cent on the Apple iPhone XR; save up to 57% on the Apple iPhone 8 Plus and iPhone 8 at Sprint and save up to 60 per cent on a wide range of Apple iPhones, the carriers said in a statement.

    Apple on his part once again put sizzling Black Friday deals on offer -- from iPads as low as $237 to MacBook Pros up to $1,700 off.

    According to Appleinsider.com, the best Apple deals for the next three days were: Apple AirPods with Wireless Charging Case: $159.99 ($40 off); 2018 15-inch MacBook Pro (2.6GHz, 32GB, 1TB, Radeon 560X) Gray: $2,299 ($1,300 off); 11-inch iPad Pro (1TB, Wi-Fi): $1,099 @ Amazon ($250 off); 2018 13-inch MacBook Pro (2.3GHz, 8GB, 512GB) Silver: $1,499 ($500 off); 2017 MacBook Air (1.8GHz, 8GB, 128GB): $699 ($300 off) and 2019 MacBook Air (1.6GHz, 8GB, 128GB): $899 ($200 off), among others.

    The newly-launched Apple AirPods Pro with Wireless Charging Case was available for $234.98 ($15 off).

    The 44mm Apple Watch 5 (GPS) Gold Aluminum, Pink Sport Band was available for $409 at Amazon ($20 off) and 44mm Apple Watch 5 (Cellular) Black Stainless, Black Sport Band was going for $669 at Amazon ($80 off).

    There were queues for PlayStation 4, Xbox One, Nintendo Switch, VR, and PC games across retail stores.

    According to Wired.com, Nintendo Switch with Spyro Reignited Trilogy game was available for $289 ($45 off). The Nintendo Switch alone costs $299.

    Nintendo Switch Joy-Cons were available for $60 ($20 off) at Walmart and Best Buy.

    Sony PS4 1 TB along with God of War, The Last of Us Remastered, and Horizon Zero Dawn games were going for $199 ($100) off which was steal deal.

    PS4 Pro with Call of Duty: Modern Warfare game was available for for $299 ($100 off again).

    Microsodt Xbox One S with Sea of Thieves, Fortnite and Minecraft games was available for $150 ($100 off) while Xbox One X with Jedi: Fallen Order game was being sold for $349 ($150 off) at Amazon, Best Buy and Walmart.

    Xbox One Controller was available for for $39 ($30 off).

    Black Friday, or the Friday after the Thanksgiving Day in the US, is regarded as the beginning of Christmas shopping season.

    Thanksgiving being one of the biggest shopping seasons in the US, online stores all over the world including the UK, Japan, Australia, European Union and India are also offering Black Friday sales.

    Cyber Monday is a marketing term for the Monday after the Thanksgiving holiday. It was created by retailers to encourage people to shop online.


              

    Where is the UK heading?

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    Where is the UK heading? After an illegal campaign based on lies and scare-mongering, the Brexit bandwagon appeared to be leading Wacky Races in the United Kingdom. What now transpires is the majority of the electorate does NOT want Brexit. It is inconceivable in practically any country on Earth that something like Boris Johnson could get anywhere near the premiership of his country. His party has been responsible for the most shocking cuts to public services, austerity which have pushed thousands, nay millions, of families into misery and has seen thousands of British children relegated to poverty. Many come to school without a meal in their bellies, some are shoeless. This, while the national debt has risen to a staggering 1.7 trillion pounds, or one point seven thousand billion pounds or 1,700,000,000,000. Despite this pitiful record, and despite the lies behind the Leave campaign on Brexit, Boris Johnson appears to be immune to scrutiny and seems to ride on the crest of a wave of lies because his Jack the Lad image with his unkempt hair and blustery buffoonery appears to strike a chord with a part of the electorate which appears to have lost its common sense. He is also helped by carefully managed media campaigns which see for instance difficult moments he faces with audiences blacked out while his opponents' awkwardness is highlighted, this on more than one main TV outlet. In any civilized country this would be illegal, as would the Conservative Party's sponsoring of spoof websites ridiculing its main opponent.
              

    Entitlements - more money

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    Our country is over 22 trillion dollars in debt and growing. Reducing our spending is never easy especially for our government. We have a lot of obligations from Social Security, Medicare, Medicaid, Defense, Veterans, Infrastructure and more.  There aren’t that many places to cut spending in our nation’s budget.
              

    12/2/2019: FINANCIAL POST: EU FORGING GREEN FINANCE RULES

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    It’s been the one bright spot for banks and money managers in these dark times of sluggish growth, a US$ 30 trillion treasure trove that has remained largely unregulated. That’s about to change. Officials in Brussels are trying to advance some of the...
              

    Researchers Discover Highest-Energy Light From a Gamma-ray Burst

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    Newswise imageAn international team of researchers, including two astrophysicists from the George Washington University, has observed a gamma-ray burst with an afterglow that featured the highest energy photons--a trillion times more energetic than visible light--ever detected in a burst.
              

    Hubble Studies Gamma-Ray Burst with the Highest Energy Ever Seen

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    Newswise imageNASA's Hubble Space Telescope has given astronomers a peek at the location of the most energetic outburst ever seen in the universe--a blast of gamma-rays a trillion times more powerful than visible light. That's because in a few seconds the gamma-ray burst (GRB) emitted more energy than the Sun will provide over its entire 10-billion year life.
              

    Funds worth $37 tn failing to meet climate goals: analysis

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    Paris (AFP) Nov 27, 2019
    The world's largest investment funds - controling a mammoth $37 trillion in assets - are failing to bring their portfolios in line with the Paris climate goals, new analysis showed Wednesday. The funds control portfolios containing a fifth of the total value of world capital markets, yet their investments in sectors such as automobiles and coal puts them "significantly at odds" with the Pa
              

    Bad Loans, Car Department

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    This is quite a revealing graph.


              

    Northern Trust Asset Management Selects Eleven Firms for Minority Broker Program

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    Northern Trust Asset Management, consistent with its long-standing commitment to ensuring diversity and inclusion within the investment industry, has selected eleven minority-owned broker-dealers for its Minority Broker Program. Started in 2007, the program consists of firms owned by minorities, women, and disabled veterans.

    Each firm was selected for one or more asset classes, based on quantitative and qualitative selection criteria including execution capabilities, technology platforms and performance. The selected firms include:

    • Academy Securities, Inc.

    • Cabrera Capital Markets, LLC

    • CastleOak Securities LP

    • Guzman & Company

    • Loop Capital Markets

    • Mischler Financial Group

    • North South Capital

    • Penserra Securities LLC

    • Samuel A. Ramirez & Co., Inc.

    • Siebert Cisneros Shank & Co. LLC.

    • Williams Capital Group

    “We know that companies that excel on cultural, ethnic and gender diversity are among the top performers in their respective industries,” Northern Trust Asset Management President Shundrawn Thomas said. “This quality leads to higher levels of engagement, increased innovation and greater profitability. It further promotes better business outcomes for all stakeholders, including clients. This is why Northern Trust is fully committed to deepening our partnership with firms owned by minorities, women, and disabled veterans.”

    The firm has been cultivating relationships with minority-owned investment management firms and brokers for more than a decade. Its commitment to diversity is also part of its Multi-manager Solutions business which has invested approximately $4.2 billion 1 with 17 minority-owned investment management firms through manager-of-manager programs as of December 31, 2018. Last year, the firm enhanced its Minority Broker Program with an ongoing commitment to hire minority-owned firms that provide equity research to help inform the firm’s investment decisions. Also in 2018, the firm set a target of 10% for trading commissions executed through minority brokers on equity securities in all of its collective investment trusts with trading activity. The goal was met or exceeded in all 63 such funds.

    In keeping with the firm’s track record, Northern Trust was included in Forbes 2019 list of Best Employers for Diversity 2. Also in 2019, the firm received a 100% score in the “Disability Equality Index of Best Places to Work,” a comprehensive benchmarking measure of diversity inclusion 3.

    “We are proud to welcome new firms to our Minority Broker Program, and to strengthen relationships with some past participants,” Northern Trust Chief Investment Offer Bob Browne said. “We pride ourselves on our rigorous review and selection process. Firms chosen clearly possess significant expertise in trade execution. Today’s complex and challenging markets require nothing less. Most importantly, this provides us with the utmost confidence that our clients will be served in the best manner possible.”

    The firms were selected by a group of Northern Trust partners from a group of 29 broker-dealers that responded to a request for information. This is the fifth time that Northern Trust Asset Management has gone through this process since the program’s inception in 2007.

    1 Assets represent Northern Trust Investments. Inc. multi-manager accounts.

    2 Each year, Forbes partners with market research company Statista to measure up the leading employers around the country by surveying workers. Surveys are done for diversity, women and new graduates.

    3 The Disability Equality Index (DEI) is a joint initiative of Disability: IN, the leading nonprofit resource for business disability inclusion worldwide, and the American Association of People with Disabilities. Developed by the DEI Advisory Committee, a diverse group of business leaders, policy experts, and disability advocates, the DEI is a national, transparent benchmarking tool that offers businesses an opportunity to receive an objective score, on a scale of zero to 100, on their disability inclusion policies and practices. It is an aspirational, educational, recognition tool that is intended to help companies identify opportunities for continued improvement and help build a company’s reputation as an employer of choice.

    About Northern Trust Asset Management
    Northern Trust Asset Management is a global investment manager that helps investors navigate changing market environments, so they can confidently realize their long-term objectives. Entrusted with more than $900 billion of investor assets, we understand that investing ultimately serves a greater purpose and believe investors should be compensated for the risks they take — in all market environments and any investment strategy. That’s why we combine robust capital markets research, expert portfolio construction and comprehensive risk management to craft
    innovative and efficient solutions that deliver targeted investment outcomes. As engaged contributors to our communities, we consider it a great privilege to serve our investors and our communities with integrity, respect, and transparency.

    Northern Trust Asset Management is composed of Northern Trust Investments, Inc., Northern Trust Global Investments Limited, Northern Trust Fund Managers (Ireland) Limited, Northern Trust Global Investments Japan, K.K., NT Global Advisors, Inc., 50 South Capital Advisors, LLC, and investment personnel of The Northern Trust Company of Hong Kong Limited and The Northern Trust Company.

    About Northern Trust
    Northern Trust Corporation (Nasdaq: NTRS) is a leading provider of wealth management, asset servicing, asset management and banking to corporations, institutions, affluent families and individuals. Founded in Chicago in 1889, Northern Trust has a global presence with offices in 21 U.S. states and Washington, D.C., and across 23 locations in Canada, Europe, the Middle East and the Asia-Pacific region. As of September 30, 2019, Northern Trust had assets under custody/administration of US $11.6 trillion, and assets under management of US $1.2 trillion. For 130 years, Northern Trust has earned distinction as an industry leader for exceptional service, financial expertise, integrity and innovation. Visit northerntrust.com or follow us on Twitter @NorthernTrust.

    Northern Trust Corporation, Head Office: 50 South La Salle Street, Chicago, Illinois 60603 U.S.A., incorporated with limited liability in the U.S. Global legal and regulatory information can be found at https://www.northerntrust.com/terms-and-conditions.


              

    Sustainability Solutions Take Center Stage at Demo Day for Black & Veatch Cleantech Accelerator

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    Seven U.S. entrepreneurs chosen to participate in the Black & Veatch IgniteX Cleantech Accelerator recently took the stage in downtown Kansas City to showcase their business models and demonstrate how they’re poised to rewrite how the enterprise focuses on sustainability.

    Powered by LaunchKC, the Cleantech Accelerator’s Demo Day drew 250 engineers, entrepreneurs, investors, students and professionals who watched as Accelerator founders presented their compelling proofs of how they’re gaining traction in the market.

    “When we launched the Accelerator at Black & Veatch, we announced we were looking for the boldest, brightest entrepreneurs and startups in the cleantech space,” said Hyleme George, program director for the Cleantech Accelerator and Demo Day host. “Combining the startups’ novel technology and nimbleness with Black & Veatch’s scale and expertise can move us further and faster towards our mission of building a world of difference through innovation in sustainable infrastructure.”

    View this video to learn more about the IgniteX Cleantech Accelerator.

    The Nov. 13 Demo Day forum provided the founders with a platform to share their business models via eight-minute pitches that spanned each company’s value proposition and market opportunity.

    “It has been incredibly effective to focus on a target area with an established and forward-looking Kansas City company like Black & Veatch to be able to identify and sort new technologies that can create jobs and follow-on investment in that industry,” said Drew Solomon, competition chair of LaunchKC and senior vice president at the Economic Development Corp. of Kansas City, MO.

    The IgniteX Cleantech Accelerator cohort entered the Demo Day fresh from a 12-week accelerator boot camp with Black & Veatch personnel and other industry experts, who assisted them in planning, designing and executing real-world projects in the clean technology space.

    Cohort demos included:

    AWARE VEHICLES, Kansas City, MO: Smart drones for precision agriculture and infrastructure.

    P.J. Piper, president & CEO, introduced an automated, innovative mobile docking platform for drones – including launch, recovery, and data transmission and charging – combined with artificial intelligence (AI) for the real-time study of farmland – down to moisture levels in individual plants - and infrastructure often in remote locations. https://www.awarevehicles.com/

    BUILT ROBOTICS, San Francisco, CA: Autonomous construction machinery for efficiency, safety and faster results.

    “We’re developing artificial intelligence guidance systems that will enable heavy equipment to operate autonomously,” said Jimmy Kim, Business Operations Lead. “Our focus is on building the software… the brains of the robot… to allow it to operate (heavy equipment) intelligently on job sites, and equipping them with the same capabilities and sensibilities that a human operator would have to ensure safety and efficiency. http://www.builtrobotics.com/

    ecoSPEARS, Altamonte Springs, FL: Green remediation of PCBs and dioxins in water, soils, and sediments.

    Co-founder Serg Albino is working with NASA and Black & Veatch to clean up the environment. “Imagine a world where every human being has access to clean food, clean soil, clean air and clean water,” said Albino, a former NASA aerospace engineer. ecoSPEARS has an exclusive license to leverage NASA’s proprietary technology to extract, contain and destroy PCBs and other contaminants in the environment. https://ecospears.com/

    ELECTRIPHI, San Francisco, CA: Fleet electrification for reducing carbon emissions.

    “We are on the cusp of the biggest energy transition in history. This is a multi-trillion-dollar transition from oil to electrons,” said Muffi Ghadiali, co-founder and CEO, who unveiled a fleet electrification planning tool. “If all of transportation, as we know it today, would electrify, that will mean we need to double or triple the grid capacity.

    “This will disrupt the entire value chain from how energy is produced, how energy is delivered, how energy is consumed. And this is creating amazing opportunities for existing companies to reinvent themselves and for new companies, like us, to be created. The thread that ties all of this together is data, intelligence and an ecosystem of collaboration.” https://electriphi.ai/

    EXTENSIBLE ENERGY, Berkeley, CA: Software to reduce demand charges in commercial buildings.

    John Powers, Founder & CEO, has unlocked the software that makes solar energy more cost-effective for commercial building owners. It begins with making buildings smarter to better manage their use of energy through demand control.

    “The U.S. generates about 2% of its electricity from solar today; in 10 years that will be 20 percent. That’s a $1 trillion opportunity,” Powers said. “It’s the largest energy infrastructure opportunity of the next decade.”

    Powers closed his presentation by announcing work toward a reseller agreement with Black & Veatch to bring the Extensible Energy integrated solution, Demand X, to market. “When an innovator like Extensible Energy and an engineering powerhouse like Black & Veatch come together with a solution that addresses the biggest energy opportunity of the next decade, the result for all of us will be a cleaner world.” https://www.extensibleenergy.com/

    INFRALYTIKS, Urbandale, IA: Artificial intelligence data analytics for sustainable infrastructure improvement.

    “In the last two years more data has been created than in the entire history of mankind. However, only about half of 1 percent of all that data gets analyzed. And that’s where we come in,” said Kevin Prendergast, president. “Machine learning unlocks the value of the data and makes it work for us.”

    Applying large-scale, real-time data analytics is the heartbeat of InfraLytiks, including a Black & Veatch assignment to automate the process of adding telecom lines and antennae to utility poles across the country – potentially all 180 million utility poles in the U.S. “There is huge demand for lines on the poles. This is valuable real estate,” he said. “The value for consumers, of course, is connectivity.” https://infralytiks.com/

    NOVONUTRIENTS, Sunnyvale, CA: Converting industrial CO2 emissions into protein-rich feed.

    Black & Veatch is committed to finding new technologies that will reshape the food and agriculture system as we know it. And, that’s where David Tze, CEO, enters the picture.

    NovoNutrients has created a gas fermentation technology that will convert industrial carbon dioxin emissions into protein for aquafeed – the essential food in aquaculture and its farm-raised seafood – that is far more cost-effective and plentiful than aquafeed products now on the market.

    With about 40 billion tons per year of greenhouse gases for NovoNutrients to “farm,” Tze said six sectors are well-suited for the NovoNutrients technology. https://www.novonutrients.com/

    “These seven companies are on the front lines of the cleantech revolution,” George said. “Through our partnership with LaunchKC and by bringing the cohort together with our professionals at Black & Veatch, this program is an emphatic endorsement about how new technology can be used to solve our biggest resource and infrastructure challenges.”

    ---

    Editor’s Note: A livestream video of the Black & Veatch Demo Day is available at https://youtu.be/JGIofiDgIhE

    About Black & Veatch

    Black & Veatch is an employee-owned engineering, procurement, consulting and construction company with a more than 100-year track record of innovation in sustainable infrastructure. Since 1915, we have helped our clients improve the lives of people in over 100 countries by addressing the resilience and reliability of our world's most important infrastructure assets. Our revenues in 2018 were US$3.5 billion. Follow us on www.bv.com and on social media.

    About LaunchKC

    LaunchKC has evolved from a 5-year-old grants competition into a tech accelerator platform that leverages grants, as well as creates new opportunities for investors, entrepreneurs, workers and the tech ecosystem of Kansas City. Its bottom line is to attract scalable companies to create more jobs and opportunities while growing the local economy. LaunchKC is an initiative of the Downtown Council (DTC) and the Economic Development Corporation (EDCKC) both of Kansas City, Missouri.

    Media Contact Information:

    CHRISTOPHER CLARK, Black & Veatch, 913-458-2778

    MIKE HURD, LaunchKC, 816-447-2136


              

    Second Sustainable Finance Week Convened by Bloomberg to Accelerate the Next $10 Trillion of Sustainable Investment

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    The second annual Sustainable Finance Week convened by Bloomberg will expand beyond events in New York to Toronto this year. Taking place during the first week of December, Sustainable Finance Week (SFW) conversations in both cities will focus on how we accelerate the mobilization of the next $10 trillion in sustainable investment. With over $30 trillion of assets managed sustainably, sustainable finance is no longer a niche investment strategy, and is becoming increasingly mainstream. Four major events throughout the week – supplemented by additional related events – will bring together more than 1,500 thought leaders and decision-makers from the worlds of finance, business and policy.

    SFW is made possible through collaboration with our presenting sponsors Nuveen and BMO, core conveners Responsible Investor and the Sustainability Accounting Standards Board (SASB) and supporting sponsor Natixis.

    The four core convener events taking place during Sustainable Finance Week this year are:


              

    Alarming! 'Buhari seeks $30bn loan 32 days to end of 2019

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    At a time the country is groaning under N25.7trn loan Writes Senate, says it's for key infrastructural projects Loan earlier rejected by 8th Senate With only 32 days to the end of this year at a time when the country's debt profile has risen to a disturbing N25.7 trillion, President Muhammadu Buhari has submitted afresh []The post Alarming! Buhari seeks $30bn loan 32 days to end of 2019 appeared first on Nigerian Pilot News.
              

    Cooperative societies contributed N1trn to GDP in 3 years 'Rating firm

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    Cooperative Rating and Award Society of Nigeria (CRASON) has said that cooperative societies, in the last three years, have contributed over N1 trillion to the country's Gross Domestic Product (GDP). President,CRASON,VictorOyegoke, who stated this at the 2nd National Cooperative Awards and Symposium in Abuja, recently, noted that the country currently has over 300,000 cooperatives. According []The post Cooperative societies contributed N1trn to GDP in 3 years 'Rating firm appeared firs
              

    FG allocated N2tri to education, spent N86bn on projects

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    By Felix Khanoba The Federal Government says it allocated N2.07trillion to the nation's education sector in the last four years'...
              

    Fresh loan may raise debt servicing to N3tr

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    The nation's budgetary provisions for debt servicing could rise to N3 trillion if the Federal Government goes ahead with its $29.96 billion loan request.The post Fresh loan may raise debt servicing to N3tr appeared first on The Guardian Nigeria News - Nigeria and World News.
              

    Column: These holiday scams are heavy on naughty, totally lacking in nice

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    From gift-card rackets to online fraud, consumers are under near-constant assault amid what some analysts are calling the country's first-ever trillion-dollar holiday season.


              

    10 Money Saving Tips For Holiday Shoppers

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    In 2019, an estimated 1.92 billion people will purchase something online. Online sales will total $3.5 trillion dollars worldwide, up more than 21% from the previous year. As online sales have soared, a number of tools have emerged to help consumers find the best deals. Shopping online for Christmas, Hanukkah (or any time of year) is easy and convenient, but when you use the right tools, you can also save a lot of cash. Here are some money-saving tips for the smart online shopper...

    Continue reading 10 Money Saving Tips For Holiday Shoppers ...
              

    STAT Plus: Pharmalittle: Generic makers talk to feds about ending price-fixing probe; how the Arnolds fueled the pricing debate in D.C.

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    When House Democrats pass legislation next month to slash prescription drug spending to the tune of $1 trillion, they’ll have John and Laura Arnold to thank
              

    Biomedicine’s long and risky road

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    Startlingly few institutional investors have allocations to life sciences. An informal poll of 85 asset owners from 20 countries responsible for a combined $9 trillion assets under management gathered at the Fiduciary Investors’ Symposium at Harvard University, found only a tiny handful active in the sector. Yet allocating to biotech makes an important contribution to society - investing in the sector can help change lives.

    The post Biomedicine’s long and risky road appeared first on Top1000Funds.com.


              

    34% of likely black voters support Trump, Terrorist stabs 5 on London Bridge, Toy sales down 5%

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    It’s Monday, December 2nd, A.D. 2019. This is The Worldview in 5 Minutes heard at www.TheWorldview.com. I’m Adam McManus.

    By Adam McManus (Adam@TheWorldview.com)

    Christians girls and women victimized by Pakistani Muslim men

    In the first nine months of 2019, International Christian Concern has documented 34 incidents of abduction, assault, rape, and forcible conversions against Christian women and girls in Pakistan. Given these statistics, human rights activists in Pakistan are concerned by the vulnerability of Christian women there.

    For example, in October 2019, a 13-year-old Christian housemaid was sexually assaulted and blackmailed by Qari Zahid, a Muslim cleric of an Islamic seminary in Shujahabad. According to Iqbal Masih, a local social activist, Zahid assaulted the victim multiple times.

    Despite his threats, she revealed everything to her parents.  While local police have since registered a report against Zahid; no arrest has been made.

    Iffat Mall, a Christian activist, explained that    “Christian girls are taken for granted in this society. Persons belonging to the Muslim community know that Christians are too weak to approach the police and are unable to bear legal expenses of bringing a case. Therefore, they take advantage of this situation and humiliate Christian girls with impunity.”

    Romans 14:12 says, “So then, each of us will give an account of ourselves to God.”

    Terrorist stabs 5 on London Bridge, killed by police

    Two innocent members of the public have died after a knifeman went on a rampage Friday afternoon in London, reports the Daily Mail.

    Usman Khan, 28, was jailed in 2012 for his role in an al Qaeda-inspired terror group that plotted to bomb the London Stock Exchange and the US Embassy and kill Boris Johnson.

    After Khan stabbed up to five people on the north side of London bridge, armed police shot him dead as he was wearing a fake suicide vest in the shocking terrorist attack as frightened crowds fled the scene. Witnesses on the scene said the man had been brandishing two knives.

    Dramatic video footage showed the knifeman being tackled to the ground by at least six heroic members of the public.

    In an old letter from 2012, unveiled today, the terrorist begged to be shown mercy and asked for a course to be arranged so that he could “properly learn Islam and its teachings, and I can prove I don't carry the extreme views which I might have carried before.”

    Trump surprised U.S. troops in Afghanistan on Thanksgiving

    On a surprise visit to Afghanistan, President Donald Trump thanked U.S. and Afghan troops for the work they are doing, saying the reason the Taliban is seeking a peace deal is because the militaries are “doing a great job", reports PBS.

    TRUMP: “There's nowhere I'd rather celebrate this Thanksgiving than right here with the toughest, strongest, best and bravest warriors on the face of the earth. You are indeed that.

    “When I took office almost three years ago, our military was depleted in terms of equipment. We have all those brand new planes and brand new helicopters and brand new ships being built now -- brand new, incredible submarines. We've spent two and a half trillion dollars.”

    Toy sales down 5%, No new hot toy driving foot traffic

    Toy sales are already down more than expected — 5.5 percent through the first nine months of the year.

    Big toymakers like Mattel and Hasbro have failed to launch any new, blockbuster toys this year.  That, in turn, has left toy franchises that are already a year old or more to pick up the slack, reports the New York Post.

    34% of likely black voters support President Trump

    And finally, in what one can only describe as "disastrous news" for Democrats, two different opinion polls find that, among African Americans, support for President Trump is in the thirties. This number has been rising more or less constantly from a year ago, when it was in the mid-20s.

    Rasmussen Reports explains on Twitter that one of the biggest differences between them and most other polling organizations is that they look at likely voters instead of at voters in general.

    Among, likely black voters, a Rasmussen poll found President Trump enjoys 34 percent approval, while an Emerson survey similarly found 34.5 percent approval.

    Exit polling in 2016 found that just 8 percent of African-American voters chose Trump at the ballot box.

    If the president were to garner somewhere in the mid-thirties among black voters, it would be the highest support for a Republican presidential candidate since Dwight Eisenhower in the 1956 race, and could indeed clinch his 2020 victory.

    Acts 9:18 says, “And immediately there fell from his eyes as it had been scales.”

    Beyond that, the Western Journal reports that Black Entertainment Television founder Robert Johnson said that as it currently stands, none of the Democratic presidential candidates are capable of defeating President Donald Trump.

    Johnson was asked if he stood by his assessment which made headlines last summer, that Trump gets an "A+" in his handling of the U.S. economy.

    Johnson said, "I still stand by that position. When you look at the economy overall, and you look at consumer confidence, you look at job growth, you look at unemployment for African-Americans and women, and you look at wages beginning to show some movement upward, I still stand by the position absolutely.”

    Close

    And that's The Worldview in 5 Minutes on this Monday, December 2nd in the year of our Lord 2019. Subscribe by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I’m Adam McManus (adam@TheWorldview.com). Seize the day for Jesus Christ.

    Print story

    Prosperity preacher’s church buys shopping mall for $217 million

    CapitaLand Limited, one of Asia’s largest diversified real estate groups, recently announced that it has agreed to sell The Star Vista, one of Singapore’s iconic shopping malls, for nearly $217 million to Rock Productions, the business arm of the 33,000-member New Creation Church led by charismatic televangelist Joseph Prince, reports the Christian Post.

    The church, which was founded in 1983, said that they will not hold a fundraising drive to pay for the mall as they already had the money on hand.

    In 2016, the church announced that it fully paid $366 million for its 5,000-seat Star Performing Arts Centre, the Straits Times said.


              

    Professions: Financial Crimes Consultant 4 - Commercial Banking Financial Crimes Escalation Team - Portland, Oregon

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    Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Wholesale Banking provides financial solutions to businesses across the United States and globally.? Our four major business lines include Corporate & Investment Banking, Commercial Banking, Commercial Real Estate, and Wells Fargo Commercial Capital.? We also have groups in credit risk, group risk, finance, marketing, human relations, and the Wholesale Chief Operating Office that support our businesses. Note: Additional OCC language is required to be added to Wholesale job openings. This language should be added at the bottom of the job description.The Financial Crimes Escalation consultant is a key role for the Commercial Bank Financial Crimes Escalation team.? Responsible for investigation research, analysis, and reporting of complex financial crimes transactions, policy violations and/or suspicious situations with high levels of risk to support CBG in making risk based customer decisions regarding the customer portfolio.Primary responsibilities include: Reviewing Commercial Bank client escalations pertaining to AML and Sanction Risk including performing transactional analysis, reviewing client documentation and related research. Documenting risk based decisions including exit recommendations and or retention decisions. Partnering with Enhanced Due Diligence Center and other related teams to maintain the appropriate due diligence program for Corporate High Risk Attribute customers. Performing Portfolio Analysis of higher risk client activity for further review and or escalation. Typically viewed as a subject matter expert relative to financial crimes and will be asked to support and/or advise LOBs/Stakeholders on financial crime and related risk issues. Additionally, this position will identify and escalate customers that demonstrate heightened risks that require special handling, including but not limited to customers who may not fall within Commercial Bank risk appetite including exit recommendations and or retention decisions. Partnering with Enhanced Due Diligence Center and other related teams to maintain the appropriate due diligence program for Corporate High Risk Attribute customers. Performing Portfolio Analysis of higher risk client activity for further review and or escalation. Typically viewed as a subject matter expert relative to financial crimes and will be asked to support and/or advise LOBs/Stakeholders on financial crime and related risk issues. Additionally, this position will identify and escalate customers that demonstrate heightened risks that require special handling, including but not limited to customers who may not fall within Commercial Bank risk appetite.Team members support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit?s risk appetite and all risk and compliance program requirements. Required Qualifications 6+ years of experience in one or a combination of the following: fraud, Bank Secrecy Act, anti money laundering, investigations of financial crimes transactions or policy violations, risk management, or compliance; or a BS/BA degree or higher in applied sciences, mathematics, statistics, economics, finance or criminal justice and 4+ years experience in the foregoing Desired Qualifications Anti Money Laundering (AML) and Bank Secrecy Act (BSA) experience Certified Anti Money Laundering Specialist (CAMS) Wholesale banking experience Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment Ability to translate and summarize complex data into understandable, actionable information and recommendations Excellent verbal, written, and interpersonal communication skills Advanced Microsoft Office (Word, Excel, and Outlook) skills Strong analytical skills with high attention to detail and accuracy Other Desired Qualifications Previous experience analyzing customer information and providing recommendations on exiting customer relationships Experience making risk-based decisions about customers Street Address CO-Denver: 1700 Lincoln St - Denver, CO AZ-PHX-Central Phoenix: 100 W Washington St - Phoenix, AZ MN-Saint Louis Park: 300 Highway 169 S - Saint Louis Park, MN MN-Saint Louis Park: 435 Ford Rd - Saint Louis Park, MN TX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TX OR-Portland: 1300 Sw 5th Ave - Portland, OR UT-Salt Lake City: 299 S Main St - Salt Lake City, UT GA-Atlanta: 3579 Atlanta Ave - Atlanta, GA TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX NC-Raleigh: 1100 Corporate Center Dr - Raleigh, NC IA-Des Moines: 800 Walnut St - Des Moines, IA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Beneficiaries of retirement accounts should know rules on withdrawals

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    According to the Investment Company Institute's 2019 Investment Company Fact Book, American workers have amassed more than $16 trillion in IRA and employer sponsored retirement plan assets. Most retirees would likely prefer to spend down all of this retirement savings during their lifetime, but it is highly likely that at least some of these retirement assets will be passed on to children or other beneficiaries.While beneficiaries need not worry about income taxes for other types of [...]
              

    Триллион долларов для российской экономики

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    Целый триллион долларов готовы отвалить российские толстосумы родной стране. Причем не все толстосумы, а только самые богатые и смелые, которые не боятся в списке журнала «Форбс» засветиться. Остальных даже не спрашивали, но можно предположить, что...

    Сообщение Триллион долларов для российской экономики появились сначала на DISCRED.RU.


              

    Fund Your Mission

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      Reflection: Black Friday Helps Puts America in the RED U.S. Household Debt Sets Record High https://www.nbcnews.com/business/consumer/household-debt-hit-record-high-13-5-trillion-last-quarter-n937216 As we embarked upon Black Friday – the top shopping day of the year – our household debt reached an all-time high. What irony that we spend on things that do not matter.  Where are your priorities? Smiles...
              

    INSTANT IMPACT: Operations Associate - FinTech

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    £25,000 - potential of more for the right candidate: INSTANT IMPACT: A growing, disruptive business, changing the multi-trillion pound pension industry are looking for an operations guru to join their team! London Bridge / Borough
              

    Global education, ripe for disruption by digital technology, is a hotbed of investment opportunities, Credit Suisse says

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    The US$6 trillion global education market is full of investment opportunities because the industry’s low rate of digitalisation makes it ripe for disruption, while a shortage of academic resources create potential for growth, said Credit Suisse.“Education is one of the few sectors which has been very traditional, which means it is currently at a very low level of digital disruption, much more so than other industries,” said Credit Suisse’s Kirill Pyshkin, who manages a thematic fund of more…
              

    TELLER 20 HOURS PRESCOTT VALLEY

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        • Multilingual speakers are encouraged to apply

          Job Expectations
          • Ability to stand for extended periods of time
          • Ability to work weekends and holidays as needed or scheduled

            Street Address
            AZ-Prescott Valley: 7520 E Hwy 69 - Prescott Valley, AZ


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Hong Kong-dollar deposits rise in October, Exchange Fund declines as months-long protests continue

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    Hong Kong’s local currency deposits rose in October, but the city’s overall financial war chest declined as debt issued by the Hong Kong Monetary Authority (HKMA) fell during the month.October’s Hong Kong-dollar deposits increased 0.4 per cent, or by HK$30 billion, to HK$6.91 trillion (US$880 billion) at authorised institutions in the city, according to data released by the HKMA.The Exchange Fund, the war chest used to maintain the stability of the local currency, declined by 0.9 per cent, or…
              

    Teller Bilingual Spanish Part Time - Yucaipa

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.Team member must be able to conduct transactions normally associated with this role in Spanish and English.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancing?Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday - Friday - 8:30am - 5:00pm?

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education
    • Bilingual speaking proficiency in Spanish/English

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled
        • Must take and pass required Spanish language assessment

          Street Address
          CA-Yucaipa: 33644 Yucaipa Blvd - Yucaipa, CA


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller 20 Hours Bilingual Spanish Required

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.Team member must be able to conduct transactions normally associated with this role in Spanish and English.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancing?Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Training Schedule:? Position requires full-time training for 3 weeks.? Training schedule is as follows:? Monday - Friday - 8:30am - 5:00pm.

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education
    • Bilingual speaking proficiency in Spanish/English

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled
        • Must take and pass required Spanish language assessment

          Street Address
          CA-San Clemente: 601 N El Camino Real - San Clemente, CA


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Biden to Sanders and Warren: “Let’s Get Realistic” on Trillion Dollar Spending Plans

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    Who is Worse: Donald Trump or Mitch McConnell?He’s maybe the...

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    Who is Worse: Donald Trump or Mitch McConnell?

    He’s maybe the most dangerous politician of my lifetime. He’s helped transform the Republican Party into a cult, worshiping at the altar of authoritarianism. He’s damaged our country in ways that may take a generation to undo. The politician I’m talking about, of course, is Mitch McConnell.

    Two goals for November 3, 2020: The first and most obvious is to get the worst president in history out of the White House. That’s necessary but not sufficient. We also have to flip the Senate and remove the worst Senate Majority Leader in history.

    Like Trump, Mitch McConnell is no garden-variety bad public official. McConnell puts party above America, and Trump above party. Even if Trump is gone, if the Senate remains in Republican hands and McConnell is reelected, America loses because McConnell will still have a chokehold on our democracy.

    This is the man who refused for almost a year to allow the Senate to consider President Obama’s moderate Supreme Court pick, Merrick Garland. 

    And then, when Trump became president, this is the man who got rid of the age-old Senate rule requiring 60 Senators to agree on a Supreme Court nomination so he could ram through not one but two Supreme Court justices, including one with a likely history of sexual assault.

    This is the man who rushed through the Senate, without a single hearing, a $2 trillion tax cut for big corporations and wealthy Americans – a tax cut that raised the government debt by almost the same amount, generated no new investment, failed to raise wages, but gave the stock market a temporary sugar high because most corporations used the tax savings to buy back their own shares of stock.

    McConnell refuses to support what’s needed for comprehensive election security – although both the U.S. intelligence community and Special Prosecutor Mueller say Moscow is continuing to hack into our voting machines and to weaponize disinformation through social media. 

    McConnell has earned the nickname “Moscow Mitch” because he’s doing exactly what Vladimir Putin and Donald Trump want him to do – leave America vulnerable to another Putin-supported victory for Trump.

    McConnell is also blocking bipartisan background-check legislation for gun sales, even after the mass shootings in Dayton, Ohio, El Paso and Odessa, Texas.  

    So even if Trump is out of the White House, if McConnell remains Senate Majority Leader he will not allow a Democratic president to govern. 

    He won’t allow debate or votes on Medicare for All, universal pre-K, a wealth tax, student loan forgiveness, or the Green New Deal. He won’t allow confirmation votes on judges nominated by a Democratic president.

    The good news is McConnell is the least popular senator in the country with his own constituents. He’s repeatedly sacrificed Kentucky to Trump’s agenda – for example, agreeing to Trump’s so-called emergency funding for a border wall, which would take $63 million away from projects like a new middle school on the border between Kentucky and Tennessee.

    McConnell is even cut funding for black lung disease suffered by Kentucky coal miners. I know from my years as labor secretary that coal mining is one of the most dangerous jobs in the country, and the number of cases of incurable black lung disease has been on the rise. But when a group of miners took a 10-hour bus ride to Washington this past summer to ask McConnell to restore the funding, McConnell met with them for one minute and then refused to help them. No wonder Democrats are lining up in Kentucky to run against Moscow Mitch in 2020.

    The not-so-good news is that McConnell is up for re-election the same day as Donald Trump, and Trump did well in Kentucky in 2016. Which means we have to help organize Kentucky, just as we have to organize other states that may not be swing states in the presidential election but could take back the Senate. 

    Consider Georgia: Republican Senator Johnny Isakson is retiring, meaning both of Georgia’s Senate seats are now up for grabs. And this one extra seat—in a state that is trending blue—could be the tipping point that allows Democrats to win enough seats to end GOP control of the Senate.

    Trump has to go, but so does McConnell.

    Here’s what you can do: Wherever you are in the country, you can donate to McConnell’s challengers. If you live in or near Kentucky, you can get out and knock doors or make calls. Or if you have friends or family in the state, encourage them to get involved.

    As to the question of who is worse, Trump or McConnell — the answer is that it’s too close to call. The two of them have degraded and corrupted American democracy. We need them both out.


              

    Republicans and even some Democrats are out to scare you about...

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    Republicans and even some Democrats are out to scare you about Medicare for All. They say it’s going to dismantle health care as we know it and it will cost way too much. 

    Rubbish.

    The typical American family now spends $6,000 on health insurance premiums each year. Add in the co-payments and deductibles that doctors, hospitals, and drug companies also charge you — plus typical out-of-pocket expenses for pharmaceuticals – and that typical family’s health bill is $6,800.

    But that’s not all, because some of the taxes you now pay are for health insurance, too — for Medicare and Medicaid and for the Affordable Care Act. So let’s add them in, again for the typical American household. That comes to a whopping $8,975 a year. Oh, and this number is expected to rise in the coming years.

    Not a pretty picture. If you’re a typical American, you’re already paying far more for health insurance than people in any other advanced country. 

    And you’re not getting your money’s worth. The United States ranks near the bottom for life span and infant mortality. Or maybe you’re one of the 30 million Americans who don’t have any health insurance coverage at all.

    You see, a big reason we pay so much for health insurance is the administrative costs involved in private for-profit insurance. About a third of what you pay goes to the people who oversee billing and collections. And then of course there are the marketing and advertising expenses, and the profits that go to shareholders or private-equity managers.

    What happens if we have Medicare for All? 

    Let’s first consider a limited version that keeps private insurance — as proposed by candidates including Joe Biden, Pete Buttigieg, and Kamala Harris. The insurance costs remain the same because it’s the same private insurers and the same co-payments and deductibles. The only difference is more of this would be paid through your taxes, rather than by you directly, because the government would reimburse the insurance companies.

    This could help bring down costs by giving the government more bargaining leverage to get better prices. But we don’t know yet how much.    

    Now, let’s talk about a different version of Medicare for All that replaces private for-profit health insurance, as proposed by Bernie Sanders and Elizabeth Warren. In this version, total costs — including a possible combination of premiums, co-payments, deductibles, or taxes — are even lower. This option is far cheaper because it doesn’t have all those administrative expenses. It’s public insurance that reimburses hospitals, doctors, and pharmaceutical companies directly and eliminates the bloat of private insurance companies.

    Economists at the University of Massachusetts-Amherst say Medicare for All that replaces private for-profit insurance would reduce costs by about 10 percent, mostly from lower administrative and drug costs. The Urban Institute estimates that households and businesses would save about $21.9 trillion over ten years, and state and local governments would save $4.1 trillion.

    You’d pay for it through a combination of premiums, fees, and taxes, but your overall costs would go way down. So you’d come out ahead.  And everyone would be covered.

    You’d keep your same doctor or other health-care provider. And you could still buy private insurance to supplement Medicare for All, just like some people currently buy private insurance to supplement Medicare and Social Security. The only thing that’s changed is you no longer pay the private for-profit corporate insurers.

    Any Medicare for All is better than our present system, but this second version is far better because — like Medicare and Social Security — it’s based on the simple and proven idea that we shouldn’t be paying private for-profit corporate insurers boatloads of money to get the insurance we need.

    It’s time for true Medicare for All.



              

    Evaluating Saudi Aramco’s Green Investments Ahead of Its IPO

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    Investors in Saudi Aramco’s upcoming IPO could be purchasing a stranded asset if the oil behemoth sticks to its guns on fossil fuels.

    Despite Saudi Arabia’s big plans for solar and Aramco’s own impressive spend on renewables, the state-owned petrochemical behemoth largely views clean energy as a means to improve the efficiency of extraction, said Bloomberg New Energy Finance oil specialist David Doherty.

    That’s not likely to change as Aramco seeks to attract outside investment, Doherty told GTM.

    While other major oil and gas firms have started diversifying into clean energy fields ranging from offshore wind to electric vehicle charging, Aramco has “pretty much focused on technologies that can push demand for their products,” he said.

    This includes 3D printing, which could boost the market for petrochemical-based composites, as well as carbon capture and storage. The company has invested significant amounts into renewable energies such as solar, but almost entirely with a view to powering extraction or refinery operations, Doherty said.

    In terms of diversification, Saudi Aramco has "been pretty lackluster compared to other companies of that size,” he said.

    “They’re moving toward using solar panels to power their refineries,” he said, and “looking at securing demand for their products — as opposed to jumping into wind like Equinor or everything like Shell.”

    In September, Aramco trumpeted a collaboration with Saudi Arabia’s Power Systems Renewables Department to deploy renewable energy in on- and off-grid oil extraction facilities.

    “Over the years, technological improvements and decreasing costs in the energy storage field have made the use of solar photovoltaics and off-the-grid solar photovoltaic energy storage systems preferable to more traditional forms of energy at industrial sites,” the company said.

    "The greenest possible barrel"

    Aramco’s media relations department confirmed that the company is committed to deploying renewables as a way of reducing emissions from its current operations.

    “In order to achieve a low-carbon future, we believe it is necessary to meet both global energy demand for ample, reliable and affordable energy and lower emissions,” the company said in an email.

    “That must include responsible investments which reduce the overall carbon footprint of the oil and gas industry and end-use markets.”

    Saudi Aramco's clean-energy achievements include “near-zero gas flaring and the lowest carbon intensity of any major oil producer," the company said.

    It's researching low-emission transport systems, including next-generation internal combustion engines, “as well as the fuels to power them.”

    A tough sell

    None of this amounts to an admission that the company intends to diversify away from oil in the future. Instead, said Doherty, “they want to find the greenest possible barrel.”

    This does not mean Aramco’s cleantech investments should be ignored. In areas such as carbon capture and storage, a concerted spend by an investor the size of Aramco might have a material impact on the pace of progress.

    So far, there is no evidence that a more determined diversification strategy has made companies such as Shell any more palatable to environmentally conscious investors.

    In September, Danish pension fund MP Pension joined a growing list of institutional investors divesting from the oil sector, blacklisting 10 companies — including rapidly diversifying majors Shell, Equinor and BP.

    Growing animosity toward the oil sector could be a problem for Aramco as it seeks to carry off the biggest IPO in history.

    In theory, the fact that it is the most profitable company on the planet would seem to make Aramco a magnet for investors after the Saudi administration announced it was putting 1.5 percent of the business up for sale on Dec. 4.

    So far, however, the listing looks likely to be heavily reliant on local investors, having not yet drawn big interest from investors around the world, Reuters reported on November 22.

    Concerns over the response to the IPO have already led Aramco to scale back its listing ambitions. On Nov. 17, the company lowered its proposed valuation from $2 trillion to between $1.6 trillion and $1.7 trillion.

    At the same time, it canceled investor roadshows in Europe and pulled marketing in American and Asian markets to focus instead on local investors. It remains to be seen whether Middle Eastern backers will be put off by Aramco’s apparent lack of diversification plans.

    For any investor looking to put money into Aramco in the long term, the decreasing attraction of oil as an asset should give pause for thought.

    "Shell wants to become a big energy company," Doherty said, whereas Aramco's approach amounts to this: "The last barrel to be taken out of the ground will be the cheapest."


              

    The $6 Trillion Problem The Energy Industry Is Ignoring

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    Cybersecurity has long flown under the radar of the governments worldwide. Hackers are set to cost countries across the globe $6 trillion in the next two years, dwarfing the economic impact of natural disasters. And it’s not just small-timers sitting in a basement asking your grandmother for bitcoin, either. Independent and state-sponsored hackers alike are increasingly targeting major financial institutions, critical infrastructure and other points of support which make the world go round. Financial firms are already on edge, suggesting…
              

    NITI Aayog on how India can become $5-trillion economy

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    Though the NITI Aayog did not give its estimates for the required GDP growth at constant prices, economists pegged it at 9 per cent, a feat not seen s...
              

    Airtel is one of the most-loved large-cap stocks on the bourses

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    The company has a valuation of Rs 2.22 trillion, up from Rs 1.33 trillion a year ago. As the talk of a two-player market in mobile telephony gets str...
              

    If Voda-Idea goes belly-up, shareholders will lose Rs 1.68 trillion

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    Collapse of the mobile operator could translate into total loss of nearly Rs 44,000 crore for the AV Birla group. Shareholders of Vodafone Idea will ...
              

    New Foxconn study demands Walker get in-depth scrutiny by 12/3 media panel

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    Given a stunning, independently-compiled expose about his crashing Foxconn  debacle - - 
    - - what great timing by Wis Politics and the Milwaukee Press Club:
    Former Governor Scott Walker to Speak at Newsmaker Luncheon
    Walker will take questions from a panel of journalists and from the audience at the luncheon, set for 11:45 a.m. to 1:30 p.m. at the Newsroom Pub, 137 E. Wells St. 
    Questioners should pierce Walker's talking points and default to deflection and force him to explain why he put his re-election campaign above the public treasuries by routing unjustifiable and unsustainable subsidies and privileges to Foxconn, as a new, independent study lays out dispassionately:
    The [George Mason University] Mercatus Center’s study, “The Economics of a Targeted Economic Development Subsidy,” looks at the economic case for and against economic development subsidies, focusing on Wisconsin’s pledge of $3.6 billion in incentives to Taiwan-based electronics manufacturer Foxconn Technology Group.
    “The weight of economic theory suggests that these subsidies do not work and may even depress economic activity,” according to the study. “We show that under realistic scenarios the subsidy may depress state economic activity by tens of billions of dollars over the next 15 years.”
    I have been following this story for 30 months and maintain a running archive about it all, here.
    A Foxconn Fever primer
    The new study is full of hared economic science and amazing/depressing tidbits which should be run past Walker. 

    He'll never read it because he's free of accountability and prefers now to fly around the country making speeches and sampling airport food, but I urge the public and the luncheon's media guests and panelists to read it in full before the question period begins:

    Some memorable excerpts from the study:
     A footnote in a chart shows the full cost of the $252.3 million in I-94 system highway expansion near Foxconn, and fast-tracked by Assembly Speaker Vos (my commentary on that, here) for the company's benefit actually exceeds $408 million, given interest added through years of borrowing: 
    *Page 9:"...to pay off $252.4 million in general obligation bonds for roadway construction. This committment will cost $408.3 million over 20 years; $306.225 million is 15 years’ worth of payments."
    *Page 21:"...from 2018 to 2032, Wisconsin GDP will total $6.3 trillion. The higher taxes to fund a Generation 10.5 plant subsidy will be associated with economic losses in the range of $5.7 billion to $34.3 billion over that time period. Higher taxes to fund the subsidy for a Generation 6 plant will be associated with economic losses in the range of $1.8 billion to $10.6 billion." 
    *Page 27: In a discussion of "X-inefficiency," or 'slack.' "In the case of Foxconn, X-inefficiency sug-gests that Wisconsin’s subsidy will allow the com-pany to waste up to $231 million annually (on aver-age) in unnecessarily high production costs, as this is the size of the annual subsidy (see table 1)." 
    *Page 32: "Targeted economic development subsidies follow a pattern that is common to many government transfers: those who benefit from these subsidies are few in number, whereas those who pay for them are numerous. Foxconn is again illustrative: just one firm stands to receive a $3.6 billion subsidy while some 16,000 other Wisconsin businesses must pay a corporate income tax that could be reduced by 22 percent in the absence of that subsidy."  
    [From *Page 19Similarly, the state's flat fuel tax of $0.309 per gallon could be lowered by 18.92 percent down to $0.25 per gallon. Or, more broadly, overall tax revenue could be reduced by 1.07 percent.
    And by the by - -
    Page 8:"...a recent state audit has found that, on average, firms receiving Wisconsin subsidies create only about 34 percent of promised jobs. 


              

    Walker's partisan fiscal rant overlooks Trump/GOP's willful mismanagement

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    Scott Walker expressing concern about the national debt is like Trump pretending to be an environmentalist.

    You'd think that savvy Republicans would disassociate themselves from the skyrocketing federal deficits in the Trump era - -
    The U.S. deficit hit $984 billion in 2019, soaring during Trump era
    The deficit grew $205 billion, or 26 percent, in the past year.
    The country’s worsening fiscal picture runs in sharp contrast to President Trump’s campaign promise to eliminate the federal debt within eight years. The deficit is up nearly 50 percent in the Trump era 
    - - especially since once-upon-a-time Republicans routinely pretended to be fiscal conservatives.

    None of this bothers Trump's Wisconsin re-election chair Scott Walker, as he took to Twitter on Nov. 25th to faux-fret about what Sen. Warren's Medicare-for-All program might do to debt which Trump and allies like Paul Ryan have ballooned.
    @ScottWalker

    “This is the same government that currently has a $23 trillion debt..."
    And speaking about FUBAR economic financial planning, how are those damaging Foxconn subsidies looking, now?

    Study: Foxconn subsidies could smother billions in future WI development

    Officials seen burying economic growth alongside Mt. Pleasant budgets.

              

    Buy Side, Fund Operations, HKD50k | Robert Half Hong Kong

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    , The Company Our client is a US Private Equity, holding over USD1 trillion dollars in AUM, and have offices based in America, Europe, Asia and Australia, offering private equity and investment servi
              

    Know Your Tech: Fiber Optics

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    Know Your Tech: Fiber Optics

    The Internet is more than a piece of technology, it fuels huge swaths of the modern world. The economic benefits of the Internet are hard to estimate, but Cisco has tried, giving it a $19 trillion valuation, or about 21 percent of the total amount of money that is currently available in the world. So, if you have a resource that is valued at almost a quarter of humanity’s total monetary worth, you try to maximize the use of it.


              

    The impact of technology on the fashion sector

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    Ken Price, Founding Partner at Blake Mill, takes a look at how tech and eCommerce are revolutionising the nature of the fashion sector, and why it's so important that modern businesses are aware of their power.

    Few industries have changed more radically, for better or for worse, in recent years than fashion. From the meteoric rise of fast fashion to the decline of the high street, there are few sectors which have seen such turbulence and disruption.

    Technology, eCommerce in particular, has been driving much of this change. 

    Statistics

    The global fashion market is big - roughly £1 trillion excluding footwear and jewellery, as per a report by CO Data in May 2018. According to Grand View Research, 83% of this market comprises offline purchases.

    It won’t come as a surprise, therefore, that while the overall global fashion market is expected to grow close to 6% per year according to Statista, they expect eCommerce sales in the global fashion market to grow by 12.2% annually up to 2023.

    A rapidly changing market

    At Blake Mill, an eCommerce pureplay selling individual and irreverent men’s shirts, we’ve seen first-hand the changes that have taken place in our industry.

    Based upon our experience, there are several areas where eCommerce has had a profound effect on the fashion industry. The rise of giants such as ASOS, Boohoo and Missguided (the latter two based in Manchester, itself fast becoming an eCommerce fashion Mecca) is one of the most obvious manifestations of the inexorable triumph of eCommerce, even in testing economic times.

    Data and analytics

    In our experience, eCommerce is more than simply having a platform upon which to sell your product.

    The platform itself is of course hugely important, and these days vendors have a wide range of options best suited to their business, their product and of course their budget. In our experience, however, the real value stems from the insights that businesses such as ours are able to get; the ability to make real-time, business-critical decisions that are informed by empirical evidence and data has been a massive game-changer for industries such as fashion, where change is not only incessant but also very fast.

    The ability to gain insights from analytics and related data sources has allowed Blake Mill as a business to take major strides forward in areas as varied as inventory management, customer satisfaction, and product development. 

    The increasing sophistication of the broader eCommerce ecosystem not only bolsters the ability of vendors to get invaluable insights into customer behaviour, but also correspondingly enable those customers to benefit from a vastly enhanced user experience.

    Personalisation tools, often bolstered by artificial intelligence, have made a huge difference to the customer experience on-site; and going forward, the rise of voice search, AR and VR will let even small businesses create virtual fitting rooms, personal shopping assistants and much, much more.

    Social media impact

    Social media obviously plays a major part in any eCommerce business. Facebook is obviously a hugely important marketing tool, and Instagram has been a fertile breeding ground for many fashion businesses, boosted significantly by the rise of influencer culture.

    It’s also important to mention that social allows eCommerce businesses to have one-to-one conversations with customers, and to create a real sense of community based upon the customers’ love of the product and/or brand. Companies like Charlotte Tilbury have really harnessed this sense of community, which, when coupled with a well-designed and robust platform, can maximise revenue without compromising brand value.

    And community is not just about selling. We’re now able to much more meaningfully respond to real concerns that our customers have, and deliver that message in a personal and human way across several channels. At Blake Mill, we know our customers take sustainability very seriously - as do we - and that’s a message that is always front and centre when we converse with the Blake Mill community.

    On a more operational level, we’ve found the ability to target potential customers at a very granular level to be hugely beneficial. Furthermore, these insights allow a business to monitor ROI much more effectively; in an industry where daily revenue volatility can be extremely high, the ability to apply financial market tested technical analysis such as tracking 10 and 30-day moving averages is invaluable when considering product placement and marketing spend. 

    Ultimately, it’s fair to say that technology more widely, and eCommerce in particular, has already had a profound impact on the fashion industry. It’s also fair to say that this is only the tip of the iceberg.

    The ability to make key decisions, based upon really data, the rise of AI, and the increasing sophistication of not only eCommerce platforms such as Shopify and Magento but also of the broader ecosystem, means that the frantic rate of change in the fashion industry will continue. Ultimately this will benefit not only businesses, but also customers.

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    Ken Price, Blake Mill
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    Top Quality Sapphire Gems for Sale - Toronto

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    Explore PM Gemss collection of verified Sapphire Gems Toronto in a number of designs like Antique Cushion Fancy Oval Pear Round Square Trillion and more Check out now one of the largest online selecti
              

    Hotel projects worth $380m underway in northwest Iran

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    TEHRAN – A total of eight five- and four-star hotels are being built in Iran’s northwestern East Azarbaijan province with a total budget of 16 trillion rials (about $380 million).
              

    Comment on Holiday Sales May Be Missing In Action by Mark

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    Interesting talk , but then it proves how masters of universe are desperate not to have crush yet. We had many problems over the years and somehow they fixed the problem with their free printing press. This game is about total control and power. They already stole trillions $ and indebted countries , corporations etc. They just wait for right moment to gain total control and will will see fireworks everywhere at the beginning then checkmate.
              

    Mentor Monday, December 02, 2019: Ask all your bitcoin questions!

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    Bitcoin - The Currency of the Internet     •     December 2, 2019, 11:00 am
    Ask (and answer!) away! Here are the general rules: If you'd like to learn something, ask. If you'd like to share knowledge, answer. Any question about Bitcoin is fair game. And don't…
    CCN.com     •     December 2, 2019, 11:45 am
    Dow Jones Industrial Average (DJIA) futures point to new stock market highs, so why is Warren Buffett reluctant to invest? The post Dow Futures Rocket but Warren Buffett’s $128 Billion Skips…
    Cointelegraph.com News     •     December 2, 2019, 12:32 pm
    A Litecoin Foundation-funded developer at Grin suggests a solution for fixing the “Achilles heel of Mimblewimble privacy”
    Cointelegraph.com News     •     December 2, 2019, 9:17 am
    One month on, a Redditor who “lost” 4 Bitcoin on the Lightning Network says the community offered “huge support,” helping him recover most of his funds
    https://www.coindebate.com/

              

    Nails inc Nail Polish - Trillion Dollar Diva (0827) 14ml

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    Nails inc Nail Polish - Trillion Dollar Diva (0827) 14ml

    Nails inc Nail Polish - Trillion Dollar Diva (0827) 14ml

    Nails inc's product line is formulated with the latest professional technologies, boasting a portfolio of more than 150 colours and special effects. Known for catwalk colour, fashion collaborations, innovative special effects, immaculate professional manicures and pedicures.. Trillion Dollar Diva is a sparkling silver. Long wear, high shine iridescent polishes bringing gleam and sparkle to your nails. No Fuss. No Powder. Just Polish. Because your nails come first. Here at Nail Polish Direct we always strive to provide the very best in the nail industry. Our experts dedicate their time to sourcing the latest innovative formulas and researching into new breakthrough products to ensure that your nail needs are always catered for. Discover worldwide renowned products from leading brands that are both accessible and affordable.


              

    Nails inc Six Piece Nail Polish Collection Set - 6 x 14ml

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    Nails inc Six Piece Nail Polish Collection Set - 6 x 14ml

    Nails inc Six Piece Nail Polish Collection Set - 6 x 14ml

    Spoil yourself when it comes to your nails!! 1 x 'Trillion Dollar Diva' a sparkling silver. 1 x 'Super Star Get Up' a shimmering gold. 1 x 'Bank Up the Billions' a warm navy blue. 1 x 'That Girl Got Glam' is a dusty pastel pink. 1 x 'Birthday Babe Diamonds' a terracotta orange-brown. 1 x 'Thirsty Nails Moisturising Base Coat' a moisturizing base coat, enriched with calming birch water and lotus flower. Features and Benefits Signature wide-hugging brush for flawless application. Formulated in the famous NAILSinc long-wear system. 40% increase of nail polish. What We Do Apply one or two coats of your chosen color over the base coat. Finish with your favorite top coat to extend wear. Don't Be Bitter Always paint your most difficult hand first! Create the illusion of longer nails by pushing back cuticles using the NAILSinc SOS pen. P.S. My bespoke concave base has been specially created so that you can place your fingernail under the side edge of the bottle. The colour is then reflected on your nail plate to show the finish against your skin tone!


              

    The White House and Congress are barreling toward another government shutdown deadline

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    trump pelosi

    • The White House and Congress secured a temporary spending fix in the eleventh hour last week.
    • But that runs only through the next three weeks, setting up another critical deadline. 
    • Without an agreement on border security, lawmakers will either have to pass another short-term bill to fund the government or risk a Christmas shutdown for the second year in a row. 
    • Visit Business Insider's homepage for more stories.

    The White House and Congress secured a temporary spending fix in the eleventh hour last week, but it left the country poised to face what has become a very familiar dilemma in Washington. 

    The Trump administration and Democrats have sparred over border security for more than a year, preventing the passage of the dozen annual spending bills needed to fund the government. If that issue isn't resolved by December 20, lawmakers will have to pass another so-called continuing resolution or allow another government shutdown.

    The latter would force a number of federal agencies to shutter just before Christmas — for a second year in a row. Around the same time in 2018, the same fight led to longest partial government shutdown in history. It closed nine of 15 Cabinet-level departments for 35 days, leaving hundreds of thousands of employees without pay.

    President Donald Trump has demanded $5 billion to build a wall along the southern border with Mexico, which Democrats have refused to fund at all. He eventually declared a national emergency and diverted money from the Pentagon to fund the project in moves that were later challenged in federal court.

    Congressional appropriators reached a deal on levels for each of the dozen spending bills over the weekend, but that offered no guarantee that progress would be made anytime soon. Even though the two sides were able to compromise on broader top-line budget numbers in July, they have remained bitterly divided over how to distribute the $1.4 trillion package.

    "We had the necessary commitments to move forward in good faith and avoid partisan riders that would stall the entire effort," Senate Majority Leader Mitch McConnell said last week. "Of course, that didn't happen."

    The process could be further complicated by a high-profile impeachment inquiry against Trump, which stemmed from a whistleblower complaint that said he pressured Ukraine to investigate a 2020 campaign rival. That inquiry went public in hearings last week, and it could escalate at the same time as a border standoff. 

    Still, House Appropriations Chairwoman Nita Lowey has emphasized that the two issues would remain separate. 

    "I am always optimistic that we will be able to find agreement and get our work done," she said.

    Join the conversation about this story »


              

    The staggering amount of wealth held by the Forbes 400 more than doubled over the last decade. But their tax rates actually dropped.

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    • The share of wealth held by the Forbes 400 more than doubled from $1.27 trillion in 2009 to nearly $3 trillion this year.
    • That marks a significant increase encouraged by a combination of sliding tax rates, stock market growth, and the economic recovery, according to Gabriel Zucman, an economist at the University of California, Berkeley.
    • Zucman, an economist who has consulted with the Warren and Sanders campaigns, noted the staggering amount of wealth that the richest 400 US citizens — or roughly 0.00025% of the American population — built up over the last decade.
    • The amount of taxable income for the wealthiest group of US citizens dropped from 27% in 2009 to around 23% this year, the first time they were effectively taxed lower than the nation's working class, Business Insider reported last month.
    • Some economists have argued that the relatively small tax burdens of the wealthy are the product of decisions made by American lawmakers, whether directly or through congressional gridlock. 
    • Visit Business Insider's homepage for more stories.

    The share of wealth held by the Forbes 400 more than doubled from $1.27 trillion in 2009 to nearly $3 trillion this year. That marks a significant increase encouraged by a combination of sliding tax rates, stock market growth, and the economic recovery, according to Gabriel Zucman, an economist at the University of California, Berkeley.

    Zucman, an economist who has consulted with the Warren and Sanders campaigns, noted the staggering amount of wealth that the richest 400 US citizens — or roughly 0.00025% of the American population — has built up over the last decade in a Sunday tweet.

    The amount of taxable income for the wealthiest group of US citizens dropped from 27% in 2009 to around 23% this year, the first time they were effectively taxed lower than the nation's working class, Business Insider reported last month.

    The drop reflected changes in federal income tax as well as state and local levies, but particularly corporate taxes, Zucman said in an email to Business Insider.

    trump tax bill

    A blend of factors which included the rapid growth of the stock market, the nation's economic recovery after the Great Recession, the unfettered growth of large corporations, and declining tax rates fostered a favorable environment for a surge in the wealth held by the Forbes 400, Zucman said.

    Meanwhile, the tax rate that the bottom 50% of American taxpayers pay hasn't budged much over time.

    Zucman and Emmanuel Saez — another economist at the University of California he's partnered with — have argued that the relatively small tax burdens of the wealthy are the product of decisions made by American lawmakers, whether directly or through congressional gridlock. Tax avoidance has also become more common.

    Congress has cut taxes on capital gains and estates over the years. And the top income tax rates were slashed six times since 1980, some with the support of Democrats, The Washington Post reported. In 2010, President Obama delayed ending the George W. Bush tax cuts by two years, and Congress allowed it to expire in 2013.

    President Trump's 2017 Republican tax cuts largely benefited wealthy citizens and corporations, experts say. They axed the corporate tax rate from 35% to 21%, while also reducing the top rates for individuals.

    Many economists say that decades of income tax cuts in particular have led to the increasing concentration of wealth atop the economic pyramid and contributed to the accelerating inequality within US society, now at a record high according to the Census Bureau.

    Join the conversation about this story »


              

    Cyber-threats can impact brand perception and customer trust at banks

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    We live in an age when private customer data is constantly under attack from hackers. Cyber-threats have taken a front seat in the line-up of primary risks facing banks and financial institutions. The fact that cyber-attacks are becoming more prevalent isn't the only issue; they're also becoming more complex and therefore harder to address. And although the convenient interconnectivity of the Internet of Things (IoT) creates many advantages for financial institutions, there is also an increased risk to dangerous threats. Data capture form to appear here! The impact of cyber heists Money taken in cyber heists, both in banking and elsewhere, was estimated at $3 trillion According to Cybersecurity Ventures, the amount of money taken in cyber heists, both in banking and elsewhere, was estimated at $3 trillion overall for 2015, and this substantial amount is expected to double by 2021. In today’s environment, banks, credit unions, and financial organisations of all types are...
              

    This Welsh password generator might keep you safe from hackers, but definitely from dragons

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    Inspired by XKCD's classic diceware strip, a programmer named Alice created an open-source algorithm to randomly generate secure passphrases in Welsh. As difficult as it would be for any human or computer to figure out a nonsense phrase like, "correct horse battery staple," it would be even more difficult to guess, "stwffwl batri ceffyl cywir," especially when there are only about 700,000 Welsh speakers to begin with.

    While I'm no cryptologist, I did run a few of the passwords through HowSecureIsMyPassword.net and My1Login.net and they seemed to work out all right. According to those sites, it would take 11 quattuordecillion years or 1 trillion trillion trillion years for a computer to crack "DrefnasidRhyd-y-meirchSefydlogiad6*." Similarly, "GlaeruchdyrauGymreigeiddiaiBarcdir0**" would take 429 tredecillion years, or 94 billion trillion trillion years, respectively.

    However, as Alice the programmer warns: "It's probably not a good idea to actually use this, since the wordlist is freely available along with the algorithm being used."

    So it might not stop a really clever hacker from getting into your email. But it will almost certainly stop a mythic Welsh dragon from stealing your identity. Probably. I'm assuming their claws are pretty clumsy on the keyboard.

    Welsh Password Generator [WheresAlice.info]

    Image via Lewis Ogden/Flickr (altered)

    *Google Translate tells me this means, "The ford of the horses was arranged." I don't know that I trust it—Google Translate is famously sloppy with the grammar of some Celtic languages—but it certainly sounds epic.

    **Similarly, this became "Parkland was a Welsh occupation" which sounds like something you would hear on the Breton version of InfoWars. Read the rest


              

    India's 5 trillion USD economy target on track: PK Mishra

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    On the slow growth rate of GDP, Mishra said effort of the Government to bring transparency and improve governance is one of many factors responsible for the economic slowdown.
              

    The Russia–Brazil Business Council, led by Andrey Guryev, and the Brazilian Trade and Investment Promotion Agency Sign Memorandum on Mutual Support for Exports and Investments

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    The Russia–Brazil Business Council, led by Andrey Guryev, and the Brazilian Trade and Investment Promotion Agency Sign Memorandum on Mutual Support for Exports and Investments

    Moscow - The Russia–Brazil Business Council, led by PhosAgro CEO Andrey Guryev, and the Brazilian Trade and Investment Promotion Agency have concluded a memorandum on mutual support in the areas of exports and investment. 

    Within the scope of the memorandum, which is aimed at expanding trade and investment between the business communities of Brazil and Russia, the parties will promote the establishment of relations between companies, industry associations and chambers of commerce in both countries. Interested domestic companies will receive assistance in establishing and expanding their business in the partner country.

    “Today, we have signed a major agreement that marks the resumption of active dialogue between the business communities of our two countries. It lays the foundation for joint work to establish the necessary conditions to ensure that goods produced in both countries have full access to markets in Russia and Brazil. 

    “I am convinced that the partnership between the Russia–Brazil Business Council and the Brazilian Trade and Investment Promotion Agency will be a fruitful one. And this will ultimately benefit consumers, who will be able to buy high-quality, environmentally friendly goods from Brazil and Russia at affordable prices”, said Mr Guryev, Chairman of the Russia–Brazil Business Council, at the signing ceremony.

    Roberto Escoto, Investment Manager at the Brazilian Trade and Investment Promotion Agency (Apex-Brasil), expressed confidence that the agreement formalising relations between the Agency and the Russia–Brazil Business Council would help expand economic ties between the two countries. 

    The signing took place during a meeting between Onyx Lorenzoni, Chief of Staff to Brazil’s President, and representatives of Russian business.

    At the event, held in the format of high-level talks, Mr Lorenzoni, Mr Escoto and Veronica Sanchez, Executive Secretary for the Investment Partnership Programme, gave a presentation about investment opportunities in Brazil for Russian business.

    The talks began with opening remarks by Brazil’s Ambassador to Russia, Tovar da Silva Nunes; Russia’s Deputy Minister for Economic Development and Chairman for Russia to the Intergovernmental Russian–Brazilian Cooperation Commission, Timur Maksimov; and the Chairman of the Russia–Brazil Business Council, Andrey Guryev. “The fact that such a high-ranking Brazilian delegation came to Moscow highlights the great importance that our country attaches to relations with Russia. Our countries’ economies are complementary. A good example of this are the phosphates mined in the Murmansk region, and potassium mined in the Urals, which enrich Brazilian farmland and are returned to Russia in the form of soy, meat and other agricultural products produced with their help in Brazil. 

    “A multitude of opportunities are opening up in Brazil for Russian companies with a global reputation. We are counting on the support of the Russia–Brazil Business Council in terms of expanding trade and economic cooperation between Russia and Brazil. [The Council’s] Chairman, Andrey Guryev, has made a considerable contribution to the creation of a new dynamic in business relations between our countries”, said Brazilian Ambassador da Silva Nunes. 

    Mr Maksimov, Russia’s Deputy Minister for Economic Development, noted that Brazil is one of Russia’s strategic foreign economic partners. 

    “At purchasing power parity, the economies of Russia and Brazil exceed a combined total of USD 8 trillion. Together, the two countries occupy one fifth of our planet’s land mass and are home to more than 360 million people. Clearly, relations between countries with this sort of potential should involve more active economic cooperation”, said Mr Maksimov.

    The Deputy Minister added that agriculture is an important point of complementarity between the economies of Russia and Brazil in terms of the supply of Russian mineral fertilizers – the main growth driver for Russian exports to Brazil – and of Brazilian finished products to the Russian market. He added that cooperation in agriculture could provide an excellent impetus for development of comprehensive economic cooperation between the two countries.

    Mr Maksimov thanked the Russia–Brazil Business Council for its work to revitalise bilateral relations, noting that its Chairman, PhosAgro CEO Andrey Guryev, was constantly paying a great deal attention to the development of relations between the two countries.

    In his remarks, Mr Guryev emphasised that Brazil had chosen a good time to hold talks on investment opportunities for Russian business in Brazil, i.e., immediately after a delegation of Russian business had returned from Brazil, where the Russia–Brazil Business Forum had been held as part of the BRICS Summit. 

    “The Business Forum that took place in Brazil two weeks ago brought together a wide range of participants and lasted an unprecedented 12 hours. During our meetings, we heard an important message from Brazil: they are waiting for Russian private business and state-owned corporations in Brazil. They are waiting for us as equal business partners, whose products can enter into a fair, honest contest with products made by competitors from other countries. In response, the Russian business community indicated its interest in participating in investment projects in Brazil”, said PhosAgro’s CEO. 

    According to Mr Guryev, participation in talks by representatives of major Russian companies confirmed the interest on the part of Russian business in Brazil. He agreed with the optimistic assessments of prospects for bilateral trade that Brazil expressed during the Russia–Brazil Business Forum. 

    “There is potential for exponential growth in trade between Russia and Brazil, which amounted to USD 5 billion in 2018. I am convinced that, through joint efforts, we will succeed in our efforts to expand access channels to the Brazilian market for Russian companies. For our part, we will help our Brazilian partners in their work in the Russian market”, said Mr Guryev.

    In his remarks, Mr Lorenzoni, Chief of Staff to Brazil’s President, thanked Mr Guryev for the invitation to come to Moscow, which was offered during the BRICS Summit in Brazil.  

    “We came here to invigorate the development of our relations with Russia. We are very happy that you are also ready to participate in the new Brazil that is being created by the administration of President Jair Bolsonaro, which is combating corruption and implementing important reforms and development programmes”, said President Bolsonaro’s Chief of Staff.

    Mr Lorenzoni invited Russian business to invest in a Latin American country in which “great opportunities for investment are opening up”. 

    “Investors who come to Brazil will see very good returns”, Mr Lorenzoni stressed.

    The Brazilian delegation told representatives of Russian business about the Investment Partnership Programme, which calls for the privatisation of state-owned enterprises worth more than USD 500 billion and the implementation of 117 investment projects in various sectors of the Brazilian economy, including the oil and gas industry, electronics, mining, ports and airports, and railways and highways.

    The discussion on economic cooperation between Russia and Brazil continued during meetings that Mr Lorenzoni held with Deputy Prime Minister Dmitry Kozak and the CEO of the Russian Direct Investment Fund (RDIF), Kirill Dmitriev, in which Mr Guryev also participated.

              

    How Negative Interest Rates Affect Derivative Pricing Models

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    As negative interest rates started popping up around the world, quantitative analysts and traders have been asking a mundane but fundamental question: How to price trillions of dollars of financial instruments when their complex pricing models don’t work with negative numbers?Intuitively, we would say that negative interest rates will affect the prices of interest-rate sensitive instruments such as interest rate swaps and swaptions the most. Indeed, Bloomberg recently elaborated:The issues are [...]
              

    Americans now have a record $14 trillion in debt

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    US households are now sitting on a record $14 trillion in mortgages, credit cards, student loans and other forms of debt. Credit card rates ... read more...
              

    WTO Faces Cliff-Edge Crisis Next Week as Mediator Eyes Departure

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    WTO Faces Cliff-Edge Crisis Next Week as Mediator Eyes Departure(Bloomberg) -- Terms of Trade is a daily newsletter that untangles a world embroiled in trade wars. Sign up here. The World Trade Organization’s appeals panel will cease to function starting Dec. 11 when one of its three remaining members plans to step down, according to people familiar with the situation.Thomas Graham, the chairman of the WTO’s powerful appellate body, told officials this month that he won’t agree to consider disputes after Dec. 11 when his term ends, said the people who asked not to be identified discussing internal deliberations. Traditionally, panel members whose terms have expired can continue to hear pending disputes.This will effectively paralyze the most important function of the Geneva-based trade organization -- which upholds, modifies or reverses WTO rulings -- at a time when multilateral relationships have come under assault from protectionist currents.The crisis at the WTO was created by a U.S. block on new appointments to the appellate body, which the Trump administration says has overstepped its mandate and infringes on American sovereignty. On Dec. 11, when Graham and one of his colleagues’ terms expire, there won’t be enough members to decide on new cases. But with Graham’s resignation, it also means that pending appeals would be thrown into legal limbo.The impending appellate rupture comes as the U.S. has threatened to block the WTO’s budget -- also over concerns related to the dispute panel -- which would cause the entire WTO to shut down on Jan. 1. Either scenario would leave the WTO’s 164 members scrambling to come up with an alternative to the global arbiter of rules that govern nearly $23 trillion in international commerce every year.Internal FeudGraham, a 77-year-old American, told WTO officials this month that he wouldn’t agree to deliberate appeals after his term is over unless the director of the appellate body, Werner Zdouc, 56, steps down, according to the people. Graham has complained to WTO officials that Zdouc wasn’t fit for the office and sought to guide appellate body members toward rulings that coincide with his views.WTO Spokesman Keith Rockwell and Zdouc both declined to comment.At a meeting on Nov. 21, WTO Director-General Roberto Azevedo invited the three remaining appellate body members, Graham, Ujal Singh Bhatia of India, and Hong Zhao of China, to share their concerns about Zdouc and asked if they would oppose his removal, the people said. All three said they would be OK with the move.Last week, Azevedo made the decision to take no action against Zdouc, two of the people said.WTO members on Dec. 3 will discuss whether Graham and Ujal Singh Bhatia, the other appellate body member whose term ends next week, should be authorized to adjudicate any pending cases after their terms expire. If Graham ends up stepping down on Dec. 11, parties to any pending disputes will not be able to receive a final ruling.Budget FightThe internal feud may be rendered moot, however, if the U.S. follows through on its threat to block the the WTO’s budget. The Trump administration offered a proposal that would allow funding to continue, but it would drastically reduce money going to the appellate body.The EU, China, India and Turkey said last week they would not support the U.S. compromise because it would put their pending disputes in jeopardy, two of the people said.WTO members are expected to further discuss the WTO’s funding for 2020 during a Dec. 4 meeting of the WTO’s budget committee in Geneva.\--With assistance from Zoe Schneeweiss.To contact the reporter on this story: Bryce Baschuk in Geneva at bbaschuk2@bloomberg.netTo contact the editors responsible for this story: Simon Kennedy at skennedy4@bloomberg.net, ;Brendan Murray at brmurray@bloomberg.net, Richard BravoFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.



              

    12/1/2019: News Playtime: Unsafe toys that made the naughty list this year

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    ● Keeping little people happy is big business, with global toy sales reaching R1.3-trillion last year. But each December, some of them find their way onto Santa’s naughty list. The World against Toys Causing Harm (WATCH) organisation and the Public...
              

    12/1/2019: Business Commodities: Courting Africa as energy trade shifts

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    ● Under the elegant lights of Claridge’s in London’s Mayfair, the fresh-faced boss of the $180bn (R2.65-trillion) commodities giant Trafigura took to the stage and addressed the dignitaries in humble, earnest tones. “We all need to do more, better, to...
              

    GDP makes it official: India's economy is on a graveyard spiral -Sunitha Natti

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    -The New Indian ExpressThe latest growth print also implies that restoring both India's fastest growing economy tag and the ballyhooed USD 5-trillion target will be further delayedIt's official.India's economy has been reduced from flesh to bone with September quarter GDP growth crashing to a 26-quarter-low of 4.5 per cent. Just a quarter before, it grew at 5 per cent, which now appears respectable than the latest print.The Central Statistics Office's (CSO) big numerical reveal on Friday also showed that gross...
              

    States' GST compensation may need to be extended beyond 2022: Report -Abhishek Waghmare

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    -Business StandardSerious inconsistencies in data make revenue projection problematicStates will need to be compensated for their revenue shortfall under goods and services tax (GST) even after 2022 — the sunset year for compensation under the law — because of slow revenue growth, a report commissioned by the 15th Finance Commission (FC) has noted.It shows that states would require compensation of at least Rs 1.67 trillion in 2024-25, because none of them would be able to achieve 14 per cent growth...
              

    Thackeray drops cases against Nanar refinery protestors

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    Thackeray drops cases against Nanar refinery protestors

    Mumbai: In yet another jolt to the Bharatiya Janata Party, Maharashtra Chief Minister Uddhav Thackeray late on Monday withdrew all cases filed against protestors opposing the proposed Rs 3 trillion Nanar oil refinery and petrochemicals complex with Saudi Arabian collaboration in Ratnagiri. There were multiple cases filed against 23 protestors, including eight women, for taking part …

    Check out more stories at The Siasat Daily


              

    Data Mgmt Consultant | Wells Fargo

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    Bangalore, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel
              

    Bee Movie, 2007 - ★★½

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    Yeah, uh huh, you know what it is
    Black and yellow [x4]
    Yeah, uh huh, you know what it is
    Black and yellow [x4]

    [Chorus:]

    Yeah, uh huh, you know what it is
    Everything we do, we do it big
    Beat up Paul Krugman, that's nothin
    Transcend Mises at twenty, that's stunin
    Repping my school when you see me you know everything
    Black and yellow [x4]
    I put it down for my man Murray, I'm in
    Black and yellow [x4]

    [Verse 1:]

    Black flag, yellow star, them commies scared of it, got my war paint
    Soon as I hit the forum, crack keynes, instant faint
    Hit the podium once make them liberals shake
    State inflates, now the prices soaring
    A failed policy, you know the people payed for it
    And you know we dig them precious metals
    We callin on your horseshit game we balling out on every level
    Hear them statists talk but there's nothing you can tell 'em
    Fed prints a trillion, got another trillion on their schedule
    No love for central planners breaking hearts
    No state, free market art

    [Chorus:]

    Yeah, uh huh, you know what it is
    Everything we do, we do it big
    Beat up Paul Krugman, that's nothin
    Transcend Mises at twenty, that's stunin
    Repping my school when you see me you know everything
    Black and yellow [x4]
    I put it down for my man Murray , I'm in
    Black and yellow [x4]

    [Verse 2:]

    Got a call from Tom Woods, this just in
    Bitches love me for my non-aggressive means and ends
    Neo-Lockean? Maybe. The market's free, yo.
    This ain't the new deal, it's the real deal no joe blow
    I'm sipping Four Loko and puffin on the ganja
    You social engineers will never stop the marijuana
    Statists act like bitches, Tyler Perry
    I ball out while Ron Paul does some commentary

    [Chorus:]

    Yeah, uh huh, you know what it is
    Everything we do, we do it big
    Beat up Paul Krugman, that's nothin
    Transcend Mises at twenty, that's stunin
    Repping my school when you see me you know everything
    Black and yellow [x4]
    I put it down for my man Murray , I'm in
    Black and yellow [x4]

    [Verse 3:]

    Stay praxeological like I'm supposed to do
    Broken window fallacy, them Keynesians cant get over you
    And our crew look unapproachable
    We're with Rothbard, Bitch, we go hard
    They wanna fuck with the market, monopolize, constrict, get high, talk shit and that's that Real crap, depression but, they said we wouldn't feel that, they took the blue pill, or must just be on crack

    [Chorus:]

    Yeah, uh huh, you know what it is
    Yeah, uh huh, you know what it is
    (emotional appeals ain't shit, it all comes back to economics, bitch)
    Repping my school when you see me you know everything
    Black and yellow [x4]
    I put it down for my man Murray, I'm in
    Black and yellow [x4]
    Yeah, uh huh, you know what it is
    Everything we do, we do it big
    Beat up Paul Krugman, that's nothin
    Transcend Mises at twenty, that's stunin
    Repping my school when you see me you know everything
    Black and yellow [x4]
    I put it down for my man Murray, I'm in
    Black and yellow [x4]


              

    Tulsi Gabbard: Wake Up and Smell Our $6.4 Trillion Wars

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    Meanwhile, her fellow Democrats appear abysmally unconcerned about the human and financial toll.

    The post Tulsi Gabbard: Wake Up and Smell Our $6.4 Trillion Wars appeared first on The American Conservative.


              

    12/2/2019: FP CALGARY: REGULATING GREEN FINANCE

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    BRUSSELS It’s been the one bright spot for banks and money managers in these dark times of sluggish growth, a Us$30-trillion treasure trove that has remained largely unregulated. That’s about to change. Officials in Brussels are trying to advance some...
              

    If Democrats don’t go bold with social reform right now, then when?

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    November 25, 2019

     

     

    “Too radical, impractical, too costly, impossible, can’t pass the Senate.”

    Those are the terms centrist Democrats use to describe the bold reform ideas put forth by Bernie Sanders and Elizabeth Warren in the Democratic presidential primaries.

    “Venezuela, socialist, communist tripe, crazy” are the jibes preferred by President Donald Trump and Republicans.

    All this begs the same question: What do they plan to do to meet the challenges we face?

    For most Americans, this isn’t a rhetorical question. The economy, Trump boasts, is as good as it has ever been in terms of the top line unemployment figures, but it still doesn’t work for most Americans.

    Wages have been inching up, but they aren’t rising as fast as the cost of basics — housing, college, health care. Working families — whether middle or low income — are struggling simply to stay afloat.

    Depths of despair are soaring, particularly among the young. Illness is still the leading cause of bankruptcy.

    Half of all Americans have no retirement plan other than Social Security. The climate emergency is a clear and present danger, costing more lives, more displacement and billions in damage each year.

    If we are going to address these challenges, we need reforms that correspond with the size of the problem. An adhesive bandage won’t stop a leg hemorrhage. A wall can’t shut out the cataclysmic storms, droughts, floods and tides of the climate emergency.

    The Green New Deal — mocked by Trump and Republicans who continue to deny the existence of manmade climate change — is ambitious and costly — but only because it tries to meet the goals that scientists say are necessary if we are not to become an endangered species.

    Getting to a clean energy, zero carbon emissions economy requires massive investment, new innovation and dramatic changes in transportation, housing, energy and more.

    The transition will generate millions of new jobs, while displacing some from old jobs. The Green New Deal proposes a job guarantee to make certain that no one is left out in the transition.

    Critics say it costs too much — but it costs far less than the price we will pay if we don’t act boldly and now.

    Or consider higher education. Student loan debt continues to rise, now over $1 trillion, exceeding even credit card debt.

    More students have to put off college or drop out for years in order to earn enough to get the education that all agree is vital to our country and to their future.

    More students graduate with debt that will burden their lives, making it harder to afford to have children, to save for a house, to put money away for retirement.

    Debt is crushing a generation that tries to do the right thing. It is particularly brutal on people of color who have less of a chance to have parents with the wealth to help pay for tuition.

    Tuition-free college — mocked as a costly giveaway — simply argues that publicly provided education or advanced training should be extended beyond kindergarten through 12th grade.

    At a time when college education or advanced training is deemed essential not simply for the individual but for the country, why wouldn’t we make that available for all who qualify?

    How can our society thrive if we condemn the best of the next generation to a life burdened by debt?

    This is one of the richest countries in the world. We can afford these things. With inequality reaching new extremes, and corporations and the wealthy rigging the tax code to their benefit, we can pay for them without raising taxes on middle- and low-income Americans.

    The argument that these necessary reforms are not “practical” makes no sense.

    Centrists suggest that only modest, piecemeal, admittedly inadequate reforms have a chance to gain the support needed to pass. But pre-emptive compromise doesn’t inspire fear or fervor.

    What’s needed is a clarion call that lays out what is essential — and builds the public support necessary to tackle those standing in the way.

    Republicans opposed Social Security and Medicare as socialism, or communist notions. They passed because Roosevelt and Johnson built the majorities and claimed the mandate to get them passed.

    The argument that these reforms are too radical, too “left” also fails on its face.

    These basic reforms — the right to adequate health care, the right to an education, the addressing of the existential threat posed by the climate emergency — are not left or right.

    They represent the moral center. The values they express are not un-American; they are central to the American dream.

    It isn’t radical to suggest that all have health care, or all have access to a good education. It is just common sense. And we are badly in need of a strong dose of that.

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    Sound-Based Payments Target Developing Economies but Face Long Road to Consumer Take-Up

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    By: 
    K.N. Smith

    NFC TIMES Exclusive – With two sound-based payments launches in India in September, the technology has drawn some interest, but although several banks in emerging countries have signed on with sound-based payments platforms, consumer take-up remains unclear, and it’s likely that the road to adoption will be at least as slow as that faced by NFC payments in developed markets.

    read more


              

    Why Work at Morgan Stanley? Here Are Four Great Reasons.

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    SOURCE: Morgan Stanley

    DESCRIPTION:

    From autonomous vehicles, to the software behind the Internet of Things, to the power of big data—innovation and disruption are driving the markets as never before, with industries and whole sectors changing at speeds that were once unfathomable. Underpinning this massive change is financial services—the engine that helps ignite companies to develop new products and create new markets. Harnessing that explosive growth takes a lot of hard work, thoughtful strategy, good advice, and financing. And, of course, the people who can make all that happen. Which is why we are always looking for bright, curious and creative people to join our team at Morgan Stanley.

    Here at Morgan Stanley, our people are our greatest asset, taking on challenges big and small to help our clients realize their goals. How do we do that? By valuing collaboration. If you have a good idea or a solution to a problem that no one has thought of, we want to hear from you, whether you’re an Associate or a Managing Director and whether your college major was finance, technology, liberal arts or engineering. A diversity of opinions, experience and backgrounds creates the wealth of perspective that brings about success.

    I have a bit more to say on that below. But first I want to introduce you to a few talented people who represent that diversity; the stars of four new videos we’ve produced that highlight Who We Are. Examples of our rising talent throughout the firm describe why they find it so personally rewarding to work at Morgan Stanley, something I’ve been lucky enough to do for more than 32 years. Take a look and I think you’ll get a sense of why Morgan Stanley is such a compelling place to build your career. 

    While each employee you’ll hear from has their own story to tell, a few common themes emerge, ones that resonate with me personally and that I thought I’d take a moment to reflect on.

    1.  You are encouraged to use your creativity to tackle complex problems 

    If you are someone who enjoys stretching yourself professionally, who is excited to take on new and complex challenges every day, you’ll find a way to build a gratifying career at Morgan Stanley. Take Sebastian, a quant analyst who is profiled in the videos I mentioned above. Sebastian told us, “I don’t feel like I’ve stopped learning here at Morgan Stanley. Once I’ve mastered a concept, there’s always something else I can become good at.” Together, we work across business units to find solutions to whatever problems we face. One example: our recently launched Plastic Waste Resolution, a firm-wide commitment to combat the ever-growing plastic waste problem that exists today. Employees across Research, Corporate Services, Investment Management, Human Resources and our Sustainable Investing Institute are all working towards our goal of achieving carbon neutrality for global operations by 2022.

    2.  You’ll find opportunities to innovate every day, including as a technologist (that’s right—a technologist)

    Working in technology at a financial services firm offers many of the same exciting opportunities for innovation that big tech companies and startups do, while delivering the sort of variety, mobility, autonomy and resources other companies can’t. As Rose-Gaelle, a software engineer featured in the Who We Are videos puts it, “At first, I was confused when a Morgan Stanley recruiter called me about a summer internship. How could my skills transfer to a position within an investment bank?” What she discovered once she was hired was that “Morgan Stanley is the ideal place for motivated and talented people, especially technologists.” In fact, we recently earned the distinction of being the only Financial Services firm named to Fast Company’s inaugural list of 50 Best Workplaces for Innovators. The list recognized our Technology Innovation Office, which funds promising employee projects in key areas, including artificial intelligence, data analytics, and fintech, and offers an accelerator program to expedite the patent-filing process. We also have an Innovation Lab, which provides a sort of digital “sandbox,” allowing employees to experiment with code, software and other technologies.

    3.  You’ll have the chance to work at a company where diversity is highly valued

    At Morgan Stanley, diversity isn’t just a buzzword, it’s something we embrace every day. Our employees represent a wealth of different backgrounds and bring their unique perspectives, ideas and experiences to whatever role they take on, helping cultivate a workplace that is resilient, results-driven and effective. And we look to promote diversity in other ways, too. Our Multicultural Innovation Lab is an in-house accelerator supporting early-stage tech and tech-enabled startups led by multicultural and women entrepreneurs, a segment who receive only a fraction of the venture capital money that other entrepreneurs do. The Lab is designed not only to help close this trillion-dollar funding gap, but to give women and multicultural founders the tools, access and opportunity they need to succeed.

    4.  You’ll be encouraged to give back to your community

    A common thread that unites our people—across divisions, levels and regions—is our commitment to giving back to the communities in which we live and work. Morgan Stanley employees create meaningful, lasting social impact, whether they are working at food banks during our Global Volunteer Month every June or offering expertise as part of our annual pro bono initiative. The Morgan Stanley Strategy Challenge matches nonprofits with rising talent within the firm to develop action plans that help address mission-critical issues. The Strategy Challenge has delivered 95,000 service hours valued at over $14.6M to 128 nonprofits since the program began in 2009. But you don’t have to be picked to participate in the Strategy Challenge to give back at Morgan Stanley. Since 2006 our employees have contributed over 2.1 million hours of volunteer work during our annual Global Volunteer Month—that equates to 240 years of donated time and effort to help the communities we call home across the globe.

    It’s just one more reason why Morgan Stanley is such a special place to work. But don’t take my word for it. Hear what these associates have to say about what they find rewarding about working at Morgan Stanley. I hope you’ll be encouraged to join them.

    Tweet me: Why Work at #MorganStanley? Here Are Four Great Reasons. http://bit.ly/2CIVLCT

    KEYWORDS: Morgan Stanley, Employee Engagement, CSR, NYSE:MS


              

    Corporate #America's #Debt load is nearing $10 trillion, a record 47% of the overall economy — and experts around the world are sounding the alarm

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    Experts are specifically warning that a buildup of BBB-rated debt could be vulnerable to downgrades during an economic slowdown.
              

    Event Update For 2019-11-30

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    http://jumpingjackflashhypothesis.blogspot.com/2012/02/jumping-jack-flash-hypothesis-its-gas.html




    The seas, lakes and oceans are now pluming deadly hydrogen sulfide and suffocating methane. Hydrogen sulfide is a highly toxic water-soluble heavier-than-air gas and will accumulate in low-lying areas. Methane is slightly more buoyant than normal air and so will be all around, but will tend to contaminate our atmosphere from the top down. These gases are sickening and killing oxygen-using life all around the world, including human life, as our atmosphere is increasingly poisoned. Because both gases are highly flammable and because our entire civilization is built around fire and flammable fuels, this is leading to more fires and explosions. This is an extinction level event and will likely decimate both the biosphere and human population and it is debatable whether humankind can survive this event.




    A. More fires and more explosions, especially along the coasts, but everywhere generally.
    B. Many more animal die-offs, of all kinds, and especially oceanic species.
    C. More multiples of people will be found dead in their homes, as if they'd dropped dead.
    D. More corpses found in low-lying areas, all over the world.
    E. More unusual vehicular accidents.
    F. Improved unemployment numbers as people die off.




    Category: Variety Pack

    2019-11-30 - Warming toll, 1 degree hotter, trillions of tons of ice gone:
    http://www.yahoo.com/news/warming-toll-1-degree-hotter-100515511.html

    2019-11-30 - Steel plant hit by huge fire at 12:30 AM along the Mississippi River, vehicle scrapyard burns, in St. Paul (Minnesota):
    http://www.mprnews.org/story/2019/11/30/st-paul-firefighters-battle-large-fire-at-industrial-site
    http://minnesota.cbslocal.com/2019/11/30/large-fire-burns-in-saint-paul-overnight/
    http://kstp.com/news/70-foot-high-flames-seen-from-fire-in-st-paul-november-30-2019-/5566724/
    http://www.startribune.com/despite-70-foot-flames-no-one-hurt-in-large-st-paul-fire/565642912/
    http://www.twincities.com/2019/11/30/gerdau-steel-plant-fire-nearly-out-after-st-paul-firefighters-on-scene-for-11-hours/
    http://bringmethenews.com/minnesota-news/huge-blaze-in-st-paul-can-be-seen-for-miles-around-firefighters-still-on-scene

    Quote: "The fire erupted in a vehicle scrapyard operated by Gerdau Steel, along Red Rock Road near Interstate 494 and the Wakota Bridge."

    Quote: "Flames from the fire were reported to be up to 70 feet high and could be seen for miles."

    Quote: "Red Rock Road is in an industrial area on the Mississippi River on the city’s extreme southeast corner."

    2019-11-30 - Refinery damaged by fire in Great Falls (Montana):
    http://www.krtv.com/news/local-news/great-falls-news/strange-plumes-of-smoke-coming-from-the-refinery
    http://www.kxlf.com/news/local-news/great-falls-news/strange-plumes-of-smoke-coming-from-the-refinery

    2019-11-30 - Transformer explodes and burns on pole in Marchfield on the island of Barbados:
    http://www.loopnewsbarbados.com/content/transformer-explosion-and-pole-fire-marchfield

    2019-11-30 - Four garbage trucks destroyed by fire in the wee hours while parked at facility in San Marcos (California), near the coast:
    http://www.firehouse.com/operations-training/video/21116409/san-marcos-firefighters-tackle-fire-in-multiple-garbage-truck
    http://www.youtube.com/watch?v=RZrtOdYdOsE

    Quote: "Four garbage trucks were destroyed by the early morning fire in San Marcos. An early morning blaze in San Marcos destroyed four garbage trucks and sent flames 50 feet into the air."

    2019-11-30 - Five cars destroyed by fire at 3:30 AM while parked at Mercedes dealership in Miami Gardens (Florida), near the coast:
    http://wsvn.com/news/local/crews-extinguish-blaze-at-miami-gardens-mercedes-benz-dealership/
    http://miami.cbslocal.com/2019/12/01/miami-gardens-dealership-fire-destroys-mercedes/
    http://www.nbcmiami.com/news/local/Multiple-Mercedes-Benz-Cars-Burned-in-Fire-at-Miami-Gardens-Dealership-565639582.html

    Quote: "Police are investigating an early morning fire inside a Mercedes-Benz dealership in Miami Gardens that left several high prices cars charred beyond recognition."

    2019-11-30 - More than 145 wildfires burn across New South Wales (Australia):
    http://www.theguardian.com/australia-news/2019/dec/01/total-fire-bans-in-six-nsw-regions-as-149-blazes-burn-across-the-state

    2019-11-30 - At the Madrid climate talks, carbon offsets — and the future of the planet — are on the table:
    http://qz.com/1758699/cop25-un-climate-talks-to-focus-on-carbon-credits/

    Note: The problem is that the idea of doing anything serious remains on the table. Doesn't do much good there!




    2019-11-30 - Home destroyed by explosion and fire on Le Fever Road in Warren (Michigan), nobody there:
    http://www.freep.com/story/news/local/michigan/macomb/2019/11/30/warren-fire-police-respond-after-home-explosion/4343151002/
    http://www.wxyz.com/news/breaking-news-homepage/massive-fire-at-home-in-warren

    Note: This is the 176th residential explosion in 2019...

    2019-11-30 - Boat bursts into flame at Long Beach Marina in coastal Middle River (Maryland), 1 injured:
    http://baltimore.cbslocal.com/2019/11/30/long-beach-marina-boat-fire-middle-river/
    http://www.wmar2news.com/news/region/baltimore-county/boat-fire-at-long-beach-marina-saturday-morning
    http://www.msn.com/en-us/news/us/1-injured-after-boat-fire-at-long-beach-marina/ar-BBXzFr3
    http://thebaltimorepost.com/saturday-boat-fire-leaves-one-with-minor-burns/
    http://www.nottinghammd.com/2019/11/30/boat-fire-reported-in-middle-river-3/
    http://twitter.com/BaltCoFire/status/1200773964412456963

    2019-11-30 - Boat bursts into flame at Wind Creek Marina on Lake Martin (Alabama):
    http://www.alabamanews.net/2019/11/30/boat-catches-fire-on-lake-martin/

    2019-11-30 - Houseboat, two boats and apartments go up in flames at 3:30 AM at West End Marina in coastal New Orleans (Louisiana), nobody there:
    http://wwl.radio.com/articles/west-end-marina-lit-by-house-boat-fire
    http://www.wwltv.com/article/news/local/house-boat-fire-lights-up-west-end-marina/289-d014bded-797d-442a-be5b-96d5e777fa94
    http://www.nola.com/news/crime_police/article_b6927a6e-13a6-11ea-b3f2-9384c54ac0ed.html

    Quote: "New Orleans fire officials say a two-story house boat caught fire early Saturday morning, destroying the vessel and damaging nearby buildings and boats in West End Marina NOFD units rushed to the scene around 3:30 a.m. as flames from the boat lit up the sky and reflected across the water. The boat which was docked at 31 South Roadway Street in the marina. No one was inside the boat when firefighters arrived and no injuries were reported, but the flames engulfed the floating home and smoke damaged two nearby apartments, as well as two other boats."

    Note: These are the 960th, 961st, 962nd, 963rd and 964th boats/ships to burn/explode in 2019...

    2019-11-30 - Train engine bursts into flame near Springhill Drive in Albany (Oregon):
    http://democratherald.com/news/local/albany-fire-responds-to-train-blaze/article_94e96350-7e0a-5a7f-883f-a4f0fca08356.html
    http://www.gazettetimes.com/news/local/albany-fire-responds-to-train-blaze/article_2f2d68ac-31bb-578d-8b7e-ddea765cec1d.html

    2019-11-30 - Tanker truck bursts into flame on bridge in coastal Lagos (Nigeria):
    http://90mack.com/tanker-loaded-with-petrol-caught-fire-on-otedola-bridge-in-lagos/
    http://punchng.com/fuel-tanker-burns-on-otedola-bridge-again/
    http://newstral.com/en/article/en/1140796860/oil-tanker-catches-fire-on-otedola-bridge-in-lagos
    http://guardian.ng/news/oil-tanker-burns-on-otedola-bridge-lagos/

    2019-11-30 - Tractor (excavator), truck and home under renovation destroyed by fire in Croftby (Australia):
    http://www.beaudeserttimes.com.au/story/6521481/house-burns-down/

    Quote: "A police spokesman said the house, which was being renovated was completely destroyed as well as a truck and excavator parked nearby."

    Note: These are the 2054th and 2055th tractors/tankers/semis to burn/explode in 2019...

    2019-11-30 - FedEx truck bursts into flame at Walmart in Valrico (Florida):
    http://www.baynews9.com/fl/tampa/news/2019/12/01/valrico-walmart-briefly-evacuated-saturday-due-to-fire

    2019-11-30 - RV bursts into flame while parked at home in coastal Titusville (Florida):
    http://spacecoastdaily.com/2019/11/brevard-and-mims-fire-units-extinguish-heavily-involved-class-a-rv-that-threatened-home/
    http://www.floridatoday.com/story/news/local/2019/12/01/titusville-recreational-vehicle-engulfed-flames-threatens-home/4348012002/

    2019-11-30 - RV bursts into flame on I-75 in Gordon County (Georgia):
    http://newschannel9.com/news/local/motorhome-catches-fire-on-1-75-south-all-lanes-blocked
    http://fox17.com/news/local/motorhome-catches-fire-on-1-75-south-all-lanes-blocked
    http://www.facebook.com/foxnashville/posts/10157823021637290

    Quote: "GSP says they do not know the cause of the fire, except that it was not the result of a crash."

    Note: These are the 425th and 426th RVs to burn in 2019...

    2019-11-30 - Van bursts into flame on Belmont Avenue in Springfield (Massachusetts):
    http://www.wwlp.com/news/local-news/hampden-county/crews-put-out-van-fire-in-springfield/
    http://www.westernmassnews.com/news/firefighters-responded-to-van-fire-on-belmont-ave-in-springfield/article_ea037d8c-13a9-11ea-a6f9-233a796228a8.html

    2019-11-30 - Van bursts into flame on the A98 near coastal Fraserburgh (Scotland):
    http://www.eveningexpress.co.uk/fp/news/crew-tackles-van-fire-on-north-east-road/

    2019-11-30 - Car bursts into flame at 5:10 AM on Bonds Lane in Woodbury Salterton (Britain):
    http://www.dsfire.gov.uk/News/Newsdesk/IncidentDetail.cfm?IncidentID=51382&siteCategoryId=3&T1ID=26&T2ID=41

    2019-11-30 - Car bursts into flame on the A30 near Ottery St Mary (Britain):
    http://www.dsfire.gov.uk/News/Newsdesk/IncidentDetail.cfm?IncidentID=51384&siteCategoryId=3&T1ID=26&T2ID=41
    http://www.devonlive.com/news/devon-news/woman-dog-escape-fierce-devon-3595806

    2019-11-30 - Car bursts into flame on the M4 near Reading (Britain), separate crash too:
    http://www.express.co.uk/news/uk/1211331/M4-traffic-latest-update-motorway-travel-M4-car-fire-crash-delays

    2019-11-30 - Car bursts into flame on the A421 in Wavendon (Britain):
    http://bucksfire.gov.uk/latest-incidents/

    Quote: "Saturday 30 November, 2.20pm Car fire, near Eagle Farm Roundabout, A421, Wavendon. One appliance and crew from Broughton attended. Firefighters used one hose reel and one set of breathing apparatus."

    2019-11-30 - Vehicle bursts into flame on I-70 in Kansas City (Missouri):
    http://www.kshb.com/news/local-news/vehicle-fire-prompts-lanes-closures-on-interstate-70-at-adams-dairy-parkway

    2019-11-30 - Several vehicles, RV trailer and storage building destroyed by fire in Grand Chute (Wisconsin):
    http://fox11online.com/news/local/fox-cities/fire-destroys-grand-chute-storage-building
    http://www.wbay.com/content/news/Grand-Chute-fire-creates-total-loss-for-storage-unit-565650211.html
    http://www.wearegreenbay.com/news/local-news/no-one-hurt-after-storage-building-catches-fire-in-grand-chute/

    Quote: "The building, along with its contents, are considered a total loss. A camper and several vehicles were inside."

    2019-11-30 - Four barns, farm equipment and hay destroyed by fire in Saugerties (New York):
    http://www.dailyfreeman.com/news/local-news/snapshot-fire-destroys-barns-in-saugerties/article_175e5da2-1499-11ea-8556-237e1bc691eb.html

    2019-11-30 - Furniture and mattress warehouse destroyed by massive fire in Fresno (California):
    http://abc30.com/warehouse-fire-lights-up-downtown-fresno/5727030/
    http://www.fresnobee.com/news/local/article237916319.html
    http://www.yourcentralvalley.com/news/local-news/firefighters-battle-massive-warehouse-fire-near-downtown-fresno/

    2019-11-30 - Carpet store heavily damaged by fire on West Innes Street in Salisbury (North Carolina):
    http://www.wcnc.com/article/news/regional/fire-at-salisbury-store-carpet-queen/275-0b863ed0-5835-4fd4-8de3-7c53fc0dfec5
    http://www.wbtv.com/2019/12/01/crews-working-control-three-alarm-fire-salisbury-business/

    2019-11-30 - Irrigation business heavily damaged by fire on Wallace Road in Warrendale (Pennsylvania):
    http://www.wpxi.com/news/top-stories/pittsburgh-fire-3-alarm-fire-at-business-has-crews-calling-for-more-help/1014129361

    2019-11-30 - Ski lodge destroyed by massive fire near Lake Placid (New York):
    http://www.wcvb.com/article/whiteface-mountain-ski-lodge-destroyed-by-fire/30066651
    http://www.mynbc5.com/article/whiteface-mountains-mid-station-lodge-destroyed-by-fire/30065691

    Quote: "First responders rushed to Whiteface Mountain near Lake Placid around 9 p.m. Saturday for a fire inside the Mid-Station lodge."

    2019-11-30 - Four buildings heavily damaged by fire at 3:30 AM in the UNESCO World Heritage-listed lakeside town of Hallstatt (Austria):
    http://www.dw.com/en/austrias-hallstatt-hit-by-major-fire/a-51483844

    Quote: "A large fire has damaged part of the idyllic Austrian lakeside town of Hallstatt."

    2019-11-30 - Hardware store heavily damaged by fire in coastal Kingston on the island of Jamaica:
    http://jamaica-gleaner.com/article/lead-stories/20191130/massive-blaze-atlantic-hardware-second-time-over-year

    Quote: "In September last year, the warehouse as well as Pings Fabrics were extensively damaged in another early morning blaze."

    2019-11-30 - Home damaged by fire on Darien Court in coastal Virginia Beach (Virginia):
    http://wtkr.com/2019/11/30/2-people-displaced-following-virginia-beach-residential-fire/

    2019-11-30 - Home damaged by fire at 7 AM on Walnut Street in Springfield (Massachusetts):
    http://www.wwlp.com/news/local-news/hampden-county/several-residents-including-children-are-without-a-home-after-house-fire-in-springfield/

    2019-11-30 - Home heavily damaged by fire on Village Street in coastal Branford (Connecticut), 1 injured:
    http://www.wtnh.com/news/one-hospitalized-after-fire-in-north-branford/

    2019-11-30 - Home heavily damaged by fire on Marie Terrace in Arlington (Texas), several dogs killed:
    http://dfw.cbslocal.com/2019/11/30/several-dogs-found-dead-following-arlington-house-fire-officials-say/

    2019-11-30 - Home heavily damaged by fire on Sygan Road in South Fayette Township (Pennsylvania):
    http://pittsburgh.cbslocal.com/2019/11/30/south-fayette-fire-rips-through-residence/

    2019-11-30 - Home heavily damaged by fire at 6:15 AM in Wichita (Kansas):
    http://www.ksn.com/news/local/two-wichita-residents-escape-a-morning-house-fire-unharmed/

    2019-11-30 - Home heavily damaged by fire at 2:23 AM on District Line Road in Sumter County (Georgia):
    http://wgxa.tv/news/local/30-firefighters-help-put-out-early-morning-house-fire-in-sumter-county
    http://www.facebook.com/sumtercountyfirerescue/posts/1377459679093884

    2019-11-30 - Home destroyed by fire at 4:45 AM near Savoy (Illinois), nobody there:
    http://www.wcia.com/news/local-news/fire-destroys-farmhouse/
    http://www.news-gazette.com/news/fire-destroys-farmhouse-near-savoy/article_6dbbb04d-bc62-547a-a870-5c58366e2ef7.html

    2019-11-30 - Home destroyed by fire on Sunset Road in Dorrance Township (Pennsylvania):
    http://s24526.pcdn.co/news/764333/dorrance-twp-home-destroyed-in-fire
    http://wnep.com/2019/11/30/fire-badly-damages-dorrance-township-home/

    2019-11-30 - Home destroyed by fire in the wee hours in Saint Charles (Iowa):
    http://www.kcci.com/article/clive-fire-lieutenants-home-destroyed-in-overnight-fire/30063045
    http://www.kcrg.com/content/news/Clive-Fire-Department-lieutenants-home-destroyed-in-Saturday-blaze-565660702.html

    2019-11-30 - Duplex heavily damaged by fire in Milwaukee (Wisconsin):
    http://waow.com/news/top-stories/2019/11/30/twelve-people-escape-unharmed-from-duplex-fire/
    http://www.wisn.com/article/twelve-people-rescued-from-house-fire/30061656

    2019-11-30 - Multi-family home heavily damaged by fire in the wee hours on Westland Street in Hartford (Connecticut):
    http://www.wfsb.com/news/crews-respond-to-fire-at-multi-family-home-in-hartford/article_a4460abc-1359-11ea-bce3-13babc68c866.html

    2019-11-30 - Apartment building heavily damaged by fire at 6:30 AM near the Mississippi River in East St. Louis (Illinois), 4 injured:
    http://www.ksdk.com/article/news/local/metrolink-not-running-east-st-louis-apartment-fire/63-50b75e6f-0630-4e6d-9056-7c58f310d718
    http://www.kmov.com/news/residents-jump-from-second-story-window-to-escape-apartment-fire/article_cad1585e-1376-11ea-a697-9fb090096b62.html
    http://www.stltoday.com/news/local/crime-and-courts/fire-in-east-st-louis-injures-leads-to-metrolink-delays/article_1e7bcbc5-87bf-50df-b200-794f3489b03e.html

    2019-11-30 - Deadly fire burns mobile home in Phoenix (Arizona), 1 killed:
    http://azdailysun.com/news/state-and-regional/dead-following-mobile-home-fire-in-northwest-phoenix/article_90f90b9a-1704-589e-8fce-868921ae6a23.html
    http://www.azfamily.com/news/man-dead-following-mobile-trailer-fire-in-phoenix/article_036875fc-1337-11ea-9c50-1750bcc09f6b.html
    http://www.abc15.com/news/region-phoenix-metro/north-phoenix/fd-man-dies-in-mobile-home-fire-near-35th-avenue-and-bell-road

    2019-11-30 - Deadly fire destroys mobile home at 2 AM in Moscow Mills (Missouri), 1 killed, 4 injured:
    http://www.ky3.com/content/news/7-year-old-boy-dies-in-eastern-Missouri-mobile-home-fire-565642341.html
    http://www.ozarksfirst.com/local-news/7-year-old-boy-dies-in-eastern-missouri-mobile-home-fire/
    http://www.ksdk.com/article/news/local/boy-killed-mobile-home-fire-moscow-mills-lincoln-county/63-302c0ba0-8294-412f-b78e-fbde8b9e62b5
    http://www.kmov.com/news/year-old-dead-injured-after-overnight-mobile-home-fire-in/article_f9d37164-136c-11ea-afa2-0bf5619c36a3.html

    2019-11-30 - Deadly fire burns home on Flowerpark Drive in Santa Clarita (California), 2 killed:
    http://abc7.com/2-dead-after-fire-breaks-out-in-santa-clarita-home/5727386/
    http://losangeles.cbslocal.com/2019/11/30/two-people-killed-in-bedroom-fire-in-santa-clarita/
    http://www.dailynews.com/2019/11/30/santa-clarita-house-fire-leaves-2-dead/

    2019-11-30 - Deadly fire burns home on Worthington Road in Gentry (Arkansas), 1 killed:
    http://www.4029tv.com/article/one-child-dead-after-fire-in-gentry/30063538
    http://www.kark.com/news/local-news/child-dies-in-gentry-house-fire/
    http://5newsonline.com/2019/11/30/small-child-dies-in-gentry-house-fire/

    2019-11-30 - Deadly fire destroys home shortly before 3 AM on Old Stringer Road in Hall County (Georgia), 240 feet from Lake Lanier:
    http://www.ajc.com/news/local/killed-overnight-hall-county-house-fire/CJnfdm8e9ccach4dsIVcyM/

    2019-11-30 - Deadly fire burns apartment building at 6:20 AM in coastal SeaTac (Washington), 1 killed:
    http://www.king5.com/article/news/local/deadly-seatac-apartment-fire/281-ad8268d5-ca24-41a4-9067-919ce2758913
    http://q13fox.com/2019/11/30/one-dead-about-30-others-displaced-after-apartment-fire-in-seatac/
    http://www.seattletimes.com/seattle-news/1-dead-in-seatac-apartment-fire/

    2019-11-30 - Vacant home burns on Denver Avenue in Kansas City (Missouri):
    http://www.kshb.com/news/local-news/crews-battle-fire-at-two-story-home-in-kcmo

    2019-11-30 - Vacant triple-decker home burns in the wee hours in coastal Dorchester (Massachusetts):
    http://whdh.com/news/investigation-underway-after-vacant-triple-decker-catches-fire-in-dorchester/




    2019-11-30 - Minke whale found dead in the River Thames in coastal London (Britain):
    http://www.independent.co.uk/news/uk/home-news/dead-whale-river-thames-minke-battersea-bridge-a9227786.html
    http://www.theguardian.com/environment/2019/nov/30/eight-foot-whale-found-washed-up-on-thames-shore
    http://www.sott.net/article/424940-Third-whale-in-two-months-found-dead-in-River-Thames-London
    http://www.bbc.com/news/uk-england-london-50615538

    Quote: "A dead whale has been found in the River Thames for the third time in the past two months."

    Quote: "'A whale is very unusual in the River Thames, however we have now had three in the past two months,' said Martin Garside of the Port of London Authority (PLA)."

    2019-11-30 - Many fish wash up dead in coastal Punta Gorda (Florida):
    http://www.nbc-2.com/story/41389746/large-amounts-of-dead-fish-leaving-bad-smell-at-punta-gorda-marina
    http://www.abc-7.com/clip/14959555/large-amounts-of-dead-fish-leaving-bad-smell-at-punta-gorda-marina

    Quote: "Many had to hold their noses on their way to the Gulf, as a large fish kill littered the marina with the corpses of dead fish. Boaters and residents of the Marina first reported the fish kill about a few days ago, when the tide and winds began bringing in the masses of rotting fish. Some even said it was the worst they've seen and smelled in years. FWC did confirm that red tide has been reported off the coasts of Lee and Charlotte Counties, but on Saturday they couldn't confirm whether the fish were killed by it. "

    2019-11-30 - Dozens of fish wash up dead on beach on coastal Marco Island (Florida):
    http://www.winknews.com/2019/12/01/dead-fish-pop-up-on-marco-island-thanksgiving-weekend/

    Quote: "Dozens of fish were seen washed up on the beach on Marco Island Sunday during the end to 2019 Thanksgiving weekend. It’s not confirmed to be a result of red tide, but it’s a question being asked."




    2019-11-30 - Two boys die after being pulled from the Mahanadi River in Chhattisgarh (India):
    http://www.indiatoday.in/india/story/chhattisgarh-2-boys-drown-in-mahanadi-river-during-school-picnic-1624005-2019-11-30
    http://timesofindia.indiatimes.com/city/raipur/chhattisgarh-2-boys-drown-in-mahanadi-river-during-school-picnic/articleshow/72310109.cms

    2019-11-30 - Two boys, 14 and 16, die in lake in Vesu (India), near the coast:
    http://timesofindia.indiatimes.com/city/surat/two-teenage-boys-drown-in-vesu-lake/articleshow/72312887.cms




    2019-11-30 - Man, 61, goes hunting, has heart attack and drops dead, in Penn Forest Township (Pennsylvania):
    http://www.tnonline.com/maine-hunter-dies-heart-attack-penn-forest-woods
    http://www.pahomepage.com/top-stories/carbon-county-hunter-found-dead-in-penn-forest-township/
    http://fox56.com/news/local/police-investigating-death-of-hunter-in-carbon-co

    2019-11-30 - Man, 58, slumps over dead on bench in Columbia (South Carolina):
    http://www.thestate.com/news/local/crime/article233494452.html

    2019-11-30 - Man, 62, drops dead in bathroom at book store in Victorville (California):
    http://www.vvng.com/man-62-found-dead-inside-barnes-noble-restroom-in-victorville/

    2019-11-30 - Woman found dead in church on Cane Creek Mountain Road in Rutherford County (North Carolina):
    http://www.wyff4.com/article/rutherford-county-deputies-release-pictures-of-tattoos-hoping-to-id-dead-woman/30057830
    http://www.foxcarolina.com/investigations/woman-found-dead-in-rutherford-county-identified-deputies-say/article_a48eaa10-12cd-11ea-901f-131fd6b3b5e9.html
    http://www.wspa.com/news/help-deputies-id-woman-found-dead-in-rutherford-co/

    2019-11-30 - Man, 50, found dead at Clason Point in coastal Bronx (New York):
    http://bronx.news12.com/story/39936908/police-man-found-dead-in-clason-point

    2019-11-30 - Woman, 62, found dead in the Cooper River in Collingswood (New Jersey):
    http://www.thedailyjournal.com/story/news/2019/11/28/nj-body-cooper-river-thanskgiving-thursday-prosecutor/4328968002/

    2019-11-30 - Man found dead along road in Centerville (Tennessee):
    http://www.wkrn.com/news/local-news/police-find-body-in-hickman-co/
    http://www.wsmv.com/news/body-found-on-highway-in-centerville/article_6c942bb0-1220-11ea-a6cf-cbf467df6f85.html

    2019-11-30 - Man, 34, found dead in yard in Marion County (Florida):
    http://www.clickorlando.com/news/2019/11/30/deputies-man-found-dead-in-yard-of-marion-county-estates/
    http://www.wcjb.com/content/news/DEVELOPING-Dead-body-found-in-yard-of-Marion-County-565640371.html

    2019-11-30 - Inmate found dead at detention center in Nez Perce County (Idaho):
    http://www.kxly.com/news/inmate-found-dead-at-nez-perce-county-detention-center/1146772604

    2019-11-30 - Man, 42, foams at the mouth and dies in Migori (Kenya), near Lake Victoria:
    http://mobile.nation.co.ke/counties/Migori-man-dies-of-suspected-poisoning/1950480-5368688-15r5xxhz/index.html

    Quote: "Mr Yogo’s widow Roselyn Akinyi denied her husband could have taken his life. She said her husband had complained of persistent stomach pains on Thursday before his condition worsened."

    2019-11-30 - Woman, 45, found dead on Govan Road in coastal Glasgow (Scotland):
    http://www.dailyrecord.co.uk/news/scottish-news/police-race-govan-street-after-20995187

    2019-11-30 - Man in his 70s found dead in canal in coastal Galway (Ireland):
    http://connachttribune.ie/death-of-man-whose-body-was-recovered-from-city-canal-not-being-treated-as-suspicious/




    2019-11-30 - Driver has 'medical event', pickup crashes into pickup which hits third pickup which hits 3 men, in Paris (Texas), 1 killed:
    http://www.kten.com/story/41389585/pickup-driver-loses-control-in-paris-pedestrian-killed
    http://www.kxii.com/content/news/Man-hit-killed-by-car-while-working-on-fence-in-Paris-565650012.html
    http://eparisextra.com/local-news/one-deceased-three-injured-after-multi-car-accident-earlier-today/
    http://theparisnews.com/free/article_6c17d48c-139e-11ea-971c-9390a5a97fb4.html
    http://easttexasradio.com/one-person-killed-in-paris/

    Quote: "Police Chief Bob Hundley said the driver of a pickup truck headed northbound on Johnson Woods Drive apparently suffered a medical event around 9:20 a.m. His truck hit a parked pickup truck which, in turn, struck a third pickup. That vehicle then crashed into three men who had been doing some fence work. One of the men who was struck later died at a hospital."

    Note: Pickupalooza!

    2019-11-30 - Small plane crashes into cornfield near Chamberlain (South Dakota), 9 killed, 3 injured:
    http://www.mynbc5.com/article/9-killed-in-south-dakota-plane-crash-including-2-children/30063317
    http://www.wkbw.com/news/national/9-killed-after-plane-crashes-in-south-dakota-authorities-say
    http://www.kolotv.com/content/news/Authorities-9-killed-after-plane-crashes-in-South-Dakota-565650222.html
    http://www.wdtimes.com/news/national/article_d9a82dba-6a31-5959-86f5-0adcf4de03fa.html
    http://kesq.com/news/national-world/2019/11/30/plane-with-as-many-as-12-people-on-board-crashes-in-south-dakota/
    http://www.cbsnews.com/news/plane-crash-today-south-dakota-plane-crash-leaves-at-least-nine-dead-2019-11-30/
    http://www.nbcboston.com/news/national-international/9-Dead-Including-2-children-in-South-Dakota-Plane-Crash-565649531.html
    http://www.cnn.com/2019/11/30/us/south-dakota-plane-crash/index.html

    2019-11-30 - Small plane crashes, bursts into flame, near Quartz Creek Airport in Cooper Landing (Alaska), 3 killed:
    http://www.adn.com/alaska-news/aviation/2019/12/01/rescue-crews-reach-plane-crash-site-west-of-cooper-landing/
    http://www.ktuu.com/content/news/Search-and-rescue-underway-after-reports-of-plane-crash-near-Cooper-Landing-565643172.html

    2019-11-30 - Small plane crashes into garden at home, bursts into flame, in Ronneby (Sweden), 1 killed:
    http://www.freemalaysiatoday.com/category/world/2019/12/01/1-dead-after-plane-crashes-in-swedish-garden/
    http://www.outlookindia.com/newsscroll/one-dead-after-plane-crashes-in-swedish-garden/1674687
    http://www.business-standard.com/article/pti-stories/one-dead-after-plane-crashes-in-swedish-garden-119113000939_1.html
    http://www.msn.com/en-sg/news/world/one-dead-after-plane-crashes-in-swedish-garden/ar-BBXyMOQ?li=BBr8Cnr&%2525252525253Bocid=wispr

    2019-11-30 - Tanker truck overturns on I-15 in Lehi (Utah):
    http://www.ksl.com/article/46683092/i-15-closed-in-both-directions-in-lehi
    http://fox13now.com/2019/11/30/overturned-semi-with-flammable-material-closes-i-15/
    http://kjzz.com/news/local/fuel-tanker-rollover-closes-northbound-i-15-near-lehi
    http://kutv.com/news/local/fuel-tanker-rollover-closes-northbound-i-15-near-lehi
    http://gephardtdaily.com/breaking/i-15-closes-in-both-directions-at-lehi-after-rollover-of-double-tanker-carrying-butane-evacuation-underway/

    2019-11-30 - Tractor trailer overturns, bursts into flame, on I-81 in Wythe County (Virginia):
    http://www.washingtontimes.com/news/2019/nov/30/police-truck-carrying-packages-crashes-catches-fir/
    http://wcyb.com/news/local/tractor-trailer-accident-closes-all-lanes-on-i-81-nb
    http://www.usnews.com/news/best-states/virginia/articles/2019-11-30/police-truck-carrying-packages-crashes-catches-fire
    http://wtop.com/virginia/2019/11/police-truck-carrying-packages-crashes-catches-fire/
    http://www.wavy.com/news/virginia/police-truck-carrying-packages-crashes-catches-fire/

    2019-11-30 - Tractor trailer veers off road, crashes into home, in Grand Island (Nebraska):
    http://nebraska.tv/news/local/semi-truck-goes-off-the-road-and-crashed-into-a-home

    2019-11-30 - Car crashes into ditch, bursts into flame, in Canandaigua (New York), 1 injured:
    http://13wham.com/news/local/man-pulled-from-burning-car-in-canandaigua
    http://www.mpnnow.com/news/20191130/canandaigua-police-officer-trooper-samaritan-pull-driver-from-burning-car

    2019-11-30 - Motorcycle veers off road, crashes into trees, in coastal West Palm Beach (Florida), 1 killed:
    http://www.palmbeachpost.com/news/20191130/update-man-killed-after-motorcycle-strikes-trees-in-west-palm-beach
    http://cbs12.com/news/local/deadly-crash-shuts-down-part-of-okeechobee-blvd
    http://news.yahoo.com/motorcyclist-killed-crash-okeechobee-blvd-230508146.html




    2019-11-30 - Seaside bluff collapses in coastal Del Mar (California):
    http://www.10news.com/news/local-news/travel-nightmare-for-train-passengers-after-del-mar-bluff-collapse
    http://www.kusi.com/bluff-collapses-in-del-mar-near-train-tracks-following-heavy-rainfall/




    2019-11-30 - Broken pipe leaks a million gallons of raw sewage into the ocean in Orange County (California):
    http://www.yahoo.com/news/million-gallon-raw-sewage-leak-171000680.html

    Note: 'Thanks!' said the ancient anaerobic archaea and bacteria that eat sewage (among other things) and produce hydrogen sulfide...




    2019-11-30 - Study links short-term air pollution exposure to hospitalizations for growing list of health problems:
    http://insideclimatenews.org/news/27112019/fossil-fuel-air-pollution-hospital-increase-underlying-kidney-skin-blood-illness

    2019-11-30 - Typhoon Kammuri to reach at least a Category 3 and could strengthen to Super Typhoon status, expected to hit the Philippines:
    http://www.thebigwobble.org/2019/11/typhoon-kammuri-to-reach-at-least.html
    http://www.yahoo.com/news/evacuations-philippines-typhoon-threatens-sea-games-055754417.html

    2019-11-30 - River watchers in the US already wary about 2020 spring flooding:
    http://www.yahoo.com/news/river-watchers-already-wary-2020-190328144.html

    2019-11-30 - Ferocious hurricane season that saw 18 named storms comes to an end:
    http://www.yahoo.com/news/ferocious-hurricane-season-saw-18-160025433.html

    2019-11-30 - Trump administration plan would cut food stamps for millions of people:
    http://www.yahoo.com/news/trump-administration-plan-cut-food-200100878.html

    2019-11-30 - Michigan and Illinois set to usher in recreational pot sales:
    http://finance.yahoo.com/news/michigan-illinois-set-usher-recreational-140853350.html

    Note: That'll kill business on the riverfront in St. Louis. No reason to party on the St. Louis riverfront when you can drive across the river and get the same entertainment options plus weed too!


              

    Event Update For 2019-11-25

     Cache   






    The seas, lakes and oceans are now pluming deadly hydrogen sulfide and suffocating methane. Hydrogen sulfide is a highly toxic water-soluble heavier-than-air gas and will accumulate in low-lying areas. Methane is slightly more buoyant than normal air and so will be all around, but will tend to contaminate our atmosphere from the top down. These gases are sickening and killing oxygen-using life all around the world, including human life, as our atmosphere is increasingly poisoned. Because both gases are highly flammable and because our entire civilization is built around fire and flammable fuels, this is leading to more fires and explosions. This is an extinction level event and will likely decimate both the biosphere and human population and it is debatable whether humankind can survive this event.




    A. More fires and more explosions, especially along the coasts, but everywhere generally.
    B. Many more animal die-offs, of all kinds, and especially oceanic species.
    C. More multiples of people will be found dead in their homes, as if they'd dropped dead.
    D. More corpses found in low-lying areas, all over the world.
    E. More unusual vehicular accidents.
    F. Improved unemployment numbers as people die off.




    Category: Variety Pack

    2019-11-25 - Greenhouse gas concentrations in the atmosphere reached yet another high in 2018:
    http://www.yahoo.com/news/1-greenhouse-gases-accelerate-peak-125325195.html
    http://www.cnbc.com/2019/11/25/greenhouse-gases-hit-another-record-high-in-2018-un-agency-says.html
    http://desdemonadespair.net/2019/11/greenhouse-gas-concentrations-in-atmosphere-reached-yet-another-high-in-2018.html
    http://www.cbc.ca/news/technology/greenhouse-gases-1.5371968

    2019-11-25 - Humanity must cut carbon emissions by 7.6 percent per year for the next 10 years to meet Paris Climate Agreement goals:
    http://newclimate.org/2019/11/26/emissions-gap-report-2019/
    http://www.newscientist.com/article/2224539-un-report-reveals-how-hard-it-will-be-to-meet-climate-change-targets/
    http://www.unenvironment.org/news-and-stories/press-release/cut-global-emissions-76-percent-every-year-next-decade-meet-15degc
    http://desdemonadespair.net/2019/11/world-must-cut-carbon-emissions-by-7-6-percent-every-year-for-next-decade-to-meet-1-5c-paris-target-it-is-very-disturbing-that-in-spite-of-the-many-warnings-global-emissions.html
    http://arctic-news.blogspot.com/2019/11/the-breach-of-the-paris-agreement.html
    http://www.unenvironment.org/resources/emissions-gap-report-2019

    Quote: "The United Nations has warned world leaders must cut greenhouse gas emissions by a staggering 7.6 per cent every year for the next decade to meet the most ambitious goal of the Paris climate deal, or suffer the impacts of greater global warming."

    Note: That's certainly not going to happen. In fact, emissions are increasing at a rate that is itself increasing. Ergo, the horrifying storms, fires, floods, droughts, crop failures, biosphere die-offs, etc that we're already experiencing will continue to get worse and they too will get worse at a rate that itself increases...

    2019-11-25 - Mysterious explosion and flash of light alarms people in Peru (Illinois):
    http://www.mywebtimes.com/2019/11/25/mystery-or-simple-what-made-the-kaboom-in-peru/a9363xy/
    http://www.sott.net/article/424683-Flash-of-light-window-shaking-boom-heard-in-Peru-Illinois

    2019-11-25 - Underground electrical fire shoots flames from manhole at Forbes Avenue and Grant Street in Pittsburgh (Pennsylvania):
    http://www.wtae.com/article/manhole-fire-in-downtown-pittsburgh/29962741
    http://pittsburgh.cbslocal.com/2019/11/25/downtown-pittsburgh-manhole-fire/
    http://kdkaradio.radio.com/galleries/crews-fighting-underground-fire-downtown
    http://cwpittsburgh.cbslocal.com/video/4221581-crews-battle-flames-shooting-from-manhole-cover-downtown-pittsburgh/
    http://twitter.com/PghPublicSafety/status/1199086711038496768

    2019-11-25 - Wildfire breaks out and causes evacuations in Los Padres National Forest (California):
    http://www.latimes.com/california/story/2019-11-25/fire-los-padres-national-forest-santa-barbara
    http://ktla.com/2019/11/25/crews-battle-cave-fire-in-los-padres-national-forest-north-of-santa-barbara/
    http://www.nbclosangeles.com/news/local/santa-barbara-county-fire-evacuations-goleta-565456011.html
    http://bakersfieldnow.com/news/local/crews-battle-wind-whipped-brush-fire-in-santa-barbara-county
    http://twitter.com/EliasonMike/status/1199138360280809472
    http://twitter.com/EliasonMike/status/1199151628969840646

    2019-11-25 - Infant has 'medical issue' and topples into swimming pool at motel then dies in coastal Myrtle Beach (South Carolina):
    http://www.counton2.com/news/national-news/child-taken-to-hospital-after-falling-into-motel-pool-in-myrtle-beach/
    http://www.wrbl.com/news/child-taken-to-hospital-after-falling-into-motel-pool-in-myrtle-beach/
    http://wpde.com/news/local/myrtle-beach-police-investigate-situation-at-motel

    Quote: "A child was taken to the hospital Monday evening after falling into a motel pool, according to fire officials."

    Quote: "Corporal Tom Vest with the Myrtle Beach Police Department says the initial report was a possible drowning but at this time, the investigation points to a medical issue and not a drowning."

    2019-11-25 - More than 13,000 Mulchatna caribou, half the population, disappear in just 3 years in Alaska:
    http://www.wral.com/alaska-caribou-decrease-has-officials-searching-for-answers/18791956/
    http://www.timesunion.com/news/article/Alaska-caribou-decrease-has-officials-searching-14859923.php
    http://www.washingtontimes.com/news/2019/nov/25/alaska-caribou-decrease-has-officials-searching-fo/

    Quote: "Southwest Alaska’s Mulchatna caribou herd has decreased to less than half of its former numbers, leaving wildlife officials with suspicions but no clear answers for the reasons behind the decline. There were more than 27,000 Mulchatna Caribou three years ago. Now there are 13,500, KYUK-AM reported."




    2019-11-25 - Home destroyed by explosion and fire at 6:15 AM in Mount Vernon (Washington), 2 injured:
    http://www.goskagit.com/news/local_news/two-injured-in-mount-vernon-explosion/article_4ac89076-f6bf-5f4e-85b3-271fb77bee74.html
    http://www.king5.com/article/news/local/mount-vernon-fire/281-1711f483-536b-4672-9a34-851b527bc838

    Note: This is the 175th residential explosion in 2019...

    2019-11-25 - Factory rocked by explosion in Wynberg, Sandton (South Africa), 4 injured:
    http://ewn.co.za/2019/11/25/4-people-injured-in-wynberg-factory-explosion
    http://www.news24.com/SouthAfrica/News/four-injured-in-alleged-explosion-at-factory-in-sandton-20191126

    2019-11-25 - Passenger bus bursts into flame on street in Delhi (India):
    http://in.news.yahoo.com/bus-catches-fire-northeast-delhis-084924894.html
    http://www.business-standard.com/article/pti-stories/bus-catches-fire-in-northeast-delhi-s-khajuri-khas-area-no-injuries-reported-119112500531_1.html

    Note: This is the 569th bus to burn in 2019...

    2019-11-25 - Tractor trailer bursts into flame on Route 22 near Canaan (New York):
    http://985thecat.iheart.com/content/2019-11-26-tractor-trailer-destroyed-by-fire/
    http://www.columbiapage.com/tractor-trailer-fire-route-22-canaan-112519.html

    2019-11-25 - Tractor trailer bursts into flame at 1:30 AM on I-20 in Jackson (Mississippi):
    http://www.wlbt.com/2019/11/25/wheeler-fire-blocks-exit-ramp-i-gallatin-hours-overnight/
    http://www.wapt.com/article/new-from-overnight-fire-sparks-on-18-wheeler/29946661
    http://snewsi.com/id/194100634382/18-wheeler-catches-on-fire-in-Jackson
    http://www.wjtv.com/news/18-wheeler-catches-on-fire-in-jackson/
    http://www.youtube.com/watch?v=omEkNVKFn1A

    2019-11-25 - Tractor bursts into flame near Highway 45 in Thomasboro (Illinois):
    http://www.wcia.com/news/tractor-catches-fire/
    http://www.youtube.com/watch?v=P_nnBAxsvI0

    2019-11-25 - Tractor (combine) bursts into flame on 370th Street in Estherville (Iowa):
    http://kicdam.com/news/170071-estherville-firefighters-battle-farm-equipment-fire/
    http://kilrradio.com/kirl-news/476602

    Quote: "Fire Chief Dick Beaver tells KICD News crews arrived at the scene on 370th Street just after four o’clock Monday where they found a combine fully involved in flames."

    2019-11-25 - Tractor (excavator) bursts into flame on Allentown Road near Richburg (New York):
    http://solomonswords.blogspot.com/2019/11/richburg-fire-dept-to-excavator-fire.html

    2019-11-25 - Tractor trailer bursts into flame on the Trans-Canada Highway near Walsh (Canada):
    http://chatnewstoday.ca/2019/11/25/semi-on-fire-near-walsh/
    http://chatnewstoday.ca/2019/11/26/driver-uninjured-in-mondays-semi-fire/

    Note: These are the 2034th, 2035th, 2036th, 2037th, 2038th and 2039th tractors/tankers/semis to burn/explode in 2019...

    2019-11-25 - Dump truck bursts into flame at gas station near Daleville (Pennsylvania):
    http://wnep.com/2019/11/25/dump-truck-catches-fire-at-gas-pump/
    http://www.msn.com/en-us/sports/other/dump-truck-catches-fire-at-gas-pump/vp-BBXkiHJ

    2019-11-25 - Box truck bursts into flame on street in Elizabeth (New Jersey):
    http://www.rlsmedia.com/article/elizabeth-firefighters-extinguish-box-truck-fire

    2019-11-25 - Pickup truck bursts into flame while parked at business on Raford Lake Road in Henry (Tennessee):
    http://www.wenkwtpr.com/2019/11/25/truck-heavily-damaged-in-fire/

    2019-11-25 - Pickup truck bursts into flame, fire spreads to brush, on the 14 Freeway near Acton (California):
    http://www.hometownstation.com/santa-clarita-news/scv-emergency/santa-clarita-fire/vehicle-fire-spreads-to-brush-near-14-freeway-near-acton-302829

    Quote: "The truck, said to be an F-250, was fully involved in flames by the time Fire Department officials arrived on scene, according to Pittman. The fire spread to brush, but was deemed only a small spot at about 50-by-50 foot fire, and two engines would be able to handle it, according to officials."

    2019-11-25 - Pickup truck bursts into flame while parked at apartment building on Drake Crescent in coastal Prince Rupert (Canada), another fire too:
    http://www.thenorthernview.com/news/pair-of-fires-ignite-in-prince-rupert-on-monday-morning/

    2019-11-25 - Car bursts into flame just before 5 AM while parked at home, fire spreads to home, west of Pigeon Creek in Vanderburgh County (Indiana):
    http://www.tristatehomepage.com/news/local-news/crews-respond-to-fire-on-north-side-of-evansville/

    Quote: "A vehicle sparked a home fire early Monday morning in Vanderburgh County. It happened just before 5AM on Pleasant Ridge Drive. This is just west of Pigeon Creek between North Green River Rd. and Oak Hill."

    2019-11-25 - Car bursts into flame on Route 202 In Paoli (Pennsylvania):
    http://patch.com/pennsylvania/te/car-fire-breaks-out-route-202-paoli-monday

    2019-11-25 - Vehicle bursts into flame on Highway 401 in Mississauga (Canada):
    http://www.insauga.com/vehicle-fire-on-401-in-mississauga

    2019-11-25 - Vehicle bursts into flame in layby along the A12 near Colchester (Britain):
    http://www.essex-fire.gov.uk/incidents/i8026/

    2019-11-25 - Vehicle bursts into flame on Cromwell Terrace near Scarborough (Britain):
    http://www.northyorksfire.gov.uk/news-events/breaking-news/north_yorkshire_fire_and_rescue_service_251119pm

    Quote: "Time: 15:57 Location: Cromwell Terrace A crew from Scarborough attended a report of a vehicle fire, the fire was confined to the passenger area and crews used 1 hose reel jet to extinguish the fire which was believed to be due to an electrical fault."

    2019-11-25 - Barn destroyed by fire on Morris Frady Road in Mt. Airy (Georgia), 15,000 chickens killed:
    http://nowhabersham.com/15k-birds-killed-in-commercial-chicken-house-fire-in-mt-airy/

    2019-11-25 - Law office destroyed by fire shortly after 4 AM on Duke of Gloucester Street in coastal Annapolis (Maryland):
    http://www.wbaltv.com/article/fire-at-law-office-in-annapolis/29943640
    http://baltimore.cbslocal.com/2019/11/25/annapolis-fire-law-office-duke-of-gloucester/
    http://www.wusa9.com/article/news/local/maryland/fire-crews-battle-2-alarm-building-fire-in-annapolis/65-8f01d6e5-7b95-4126-8c64-f79b6bf04387

    2019-11-25 - Protein plant heavily damaged by fire at 3:50 AM in Emporia (Virginia):
    http://www.13newsnow.com/article/news/local/crews-battle-heavy-blaze-at-valley-protein-plant-in-southampton-county/291-822d36ef-18c9-41fd-bfe7-474c566bdd09
    http://wtkr.com/2019/11/25/firefighters-respond-to-business-fire-in-southampton-co/

    2019-11-25 - Workshop destroyed by fire on Sandstone Gulch Road near Florence (Montana):
    http://www.kpax.com/news/ravalli-county/crews-battle-florence-area-structure-fire

    2019-11-25 - Church heavily damaged by fire near the Russian River in Forestville (California):
    http://sanfrancisco.cbslocal.com/2019/11/25/fire-heavily-damages-historic-150-year-old-sonoma-county-church/
    http://www.pressdemocrat.com/news/10372250-181/fire-damages-forestville-church

    2019-11-25 - Home heavily damaged by fire on Cass Street in coastal Portsmouth (New Hampshire):
    http://www.seacoastonline.com/news/20191125/fire-strikes-1800s-portsmouth-home

    2019-11-25 - Home heavily damaged by fire at 2:30 AM on Anthony Lane in Twinsburg (Ohio):
    http://www.mytownneo.com/news/20191125/residents-escape-from-twinsburg-house-fire
    http://www.beaconjournal.com/news/20191125/twinsburg-firefighters-call-in-help-to-battle-remote-house-fire

    2019-11-25 - Home heavily damaged by fire near Hahira (Georgia), 2 injured:
    http://www.valdostadailytimes.com/news/local_news/lowndes-hahira-respond-to-house-fire/article_c393d768-d60f-59fe-83c8-cc68a63b55a1.html

    2019-11-25 - Home heavily damaged by garage fire on Shagbark Trail in Floyd County (Indiana), nobody there:
    http://www.wlky.com/article/multiple-counties-battling-fire-at-southern-indiana-home/29957707
    http://www.wave3.com/2019/11/25/home-catches-fire-floyd-county/

    2019-11-25 - Home heavily damaged by fire on 1 AM on Willie Mays Parkway near Orlando (Florida), nobody there:
    http://www.clickorlando.com/news/local/2019/11/25/fire-breaks-out-at-orange-county-home/

    2019-11-25 - Home destroyed by fire on Taryn Drive in coastal Dresden (Maine), nobody there:
    http://www.centralmaine.com/2019/11/25/fire-guts-dresden-home/

    2019-11-25 - Home destroyed by fire at 11:30 PM on Raccoon Circle near Lake Ariel in Salem Township (Pennsylvania):
    http://wnep.com/2019/11/26/two-dogs-missing-after-fire-guts-wayne-county-home/

    2019-11-25 - Deadly fire burns home shortly after 6 AM in Edwardsville (Illinois), 1 killed:
    http://fox2now.com/2019/11/25/man-and-3-dogs-killed-in-edwardsville-house-fire/
    http://www.kmov.com/news/dead-after-early-morning-fire-in-edwardsville/article_5d427df8-0f80-11ea-ba05-9783c0ebdecf.html
    http://www.ksdk.com/article/news/local/person-3-dogs-killed-fire-edwardsville-illinois/63-a5058881-e257-4bf4-86f5-f5f1ddcd950c

    2019-11-25 - Vacant building burns on 10th Avenue East in coastal Seattle (Washington):
    http://q13fox.com/2019/11/26/flames-erupt-from-vacant-house-in-seattles-capitol-hill-area/

    2019-11-25 - Vacant home burns on Pearl Street in Paterson (New Jersey):
    http://www.northjersey.com/story/news/passaic/paterson/2019/11/25/firefighters-battle-paterson-nj-fire-pearl-street/4298498002/

    2019-11-25 - Vacant home burns on Elliott Street in Syracuse (New York):
    http://cnycentral.com/news/local/firefighters-battle-fire-at-vacant-house-on-elliott-street




    2019-11-25 - Two students, 20 and 15, found dead in reservoir at Kodivery Dam (India):
    http://in.news.yahoo.com/college-goer-school-student-drown-091948519.html
    http://www.devdiscourse.com/article/arts/757384-college-goer-school-student-drown-in-dam




    2019-11-25 - Boy, 11, dies after being pulled from swimming pool at hotel in Cleveland (Ohio):
    http://www.cleveland19.com/2019/11/25/year-old-boy-drowns-cleveland-hotel/

    2019-11-25 - Man found dead in the water off coastal Mission Beach (California):
    http://fox5sandiego.com/2019/11/25/body-found-floating-in-water-near-mission-beach/
    http://www.10news.com/news/local-news/body-found-floating-in-the-ocean-by-good-samaritan

    2019-11-25 - Woman, 49, found dead at home on Pennsylvania Street in Southfield (Michigan):
    http://www.clickondetroit.com/news/2019/11/25/police-no-foul-play-suspected-after-woman-found-dead-in-southfield-home/
    http://www.clickondetroit.com/news/2019/11/25/southfield-womans-death-under-investigation/
    http://www.fox2detroit.com/news/southfield-woman-found-dead-inside-home-police-investigate

    2019-11-25 - Man found dead in Cobbs Creek near train tracks in Colwyn (Pennsylvania):
    http://6abc.com/colwyn-police-working-to-identify-body-found-in-creek--/5718652/
    http://philadelphia.cbslocal.com/2019/11/25/police-body-found-in-creek-by-amtrak-train-tracks-in-delaware-county/

    2019-11-25 - Man found dead in canal in Hialeah (Florida):
    http://www.local10.com/news/2019/11/25/body-found-floating-in-hialeah-canal/

    2019-11-25 - Man, 55, goes hunting or fishing, next seen dead near Cando (North Dakota):
    http://www.grandforksherald.com/news/4786913-UPDATE-Body-of-missing-Park-River-man-found

    2019-11-25 - Man, 20, found dead in the St. Lawrence River near Stormont (Canada):
    http://globalnews.ca/news/6213743/opp-investigating-after-ottawa-mans-body-found-in-st-lawrence-river/

    2019-11-25 - Person drops dead in apartment on Beach Parade in coastal Maroochydore (Australia):
    http://www.dailymail.co.uk/news/article-7725307/Strong-smell-coming-Maroochydore-unit-Sunshine-Coast-alerts-neighbours-dead-body.html

    2019-11-25 - Man, 25, has 'medical episode', falls and hits his head, runs off into the bush and dies in creek, in coastal Provincetown (Australia):
    http://nypost.com/2019/11/26/uk-backpacker-aslan-kings-body-found-in-australian-creek-three-days-after-he-vanished/
    http://www.straitstimes.com/asia/australianz/search-resumes-for-british-backpacker-missing-in-australia
    http://www.nst.com.my/world/world/2019/11/542110/search-resumes-british-backpacker-missing-australia
    http://www.ibtimes.com/body-found-australia-search-british-backpacker-2873606
    http://m.cnn.com/en/article/h_ddf51df9b6bc825c9e03c54f9e8ba8e8
    http://www.bbc.com/news/world-australia-50553857

    Quote: "Mr King was last seen at a camping ground in Princetown, on the popular and picturesque Great Ocean Road, at about 2am on Saturday. He had been camping with friends near the Twelve Apostles about three hours from Melbourne when he had a 'medical episode' and hit his head, before suddenly running into bushland."

    2019-11-25 - Man, 72, dies after diving in the Cayman Islands:
    http://caymannewsservice.com/2019/11/elderly-visitor-dies-after-dive-trip/

    Quote: "A 72-year-old man who was visiting the Cayman Islands from Mississippi died Monday afternoon following a dive in the waters around the George Town Harbour."

    2019-11-25 - Woman has 'medical episode' and drops dead in carpark in coastal Bournemouth (Britain):
    http://www.bournemouthecho.co.uk/news/18059174.police-paramedics-richmond-gardens-car-park-bournemouth/

    Quote: "A woman died at a Bournemouth town centre car park on Monday afternoon after a 'suspected medical episode'."

    2019-11-25 - Man found dead in beach in coastal Aberystwyth (Britain):
    http://www.dailypost.co.uk/news/north-wales-news/police-probe-launched-after-mans-17320207




    2019-11-25 - Driver has 'medical episode', van overturns, on the M6 near Knutsford (Britain):
    http://www.manchestereveningnews.co.uk/news/greater-manchester-news/live-m6-van-flipped-over-17312459
    http://www.cheshire-live.co.uk/news/chester-cheshire-news/recap-overturned-van-m6-traffic-17311878

    Quote: "A van flipped over on the M6 after a driver suffered a medical episode. There are two lanes shut southbound between junction 19, for Knutsford, and junction 18, for Holmes Chapel."

    2019-11-25 - Man has 'medical episode', SUV crashes into home, in Union City (Ohio):
    http://www.dailyadvocate.com/news/81505/driver-hits-house-in-union-city

    Quote: "According to Union City, Ohio Police and Fire Chief Mark Ater, a preliminary investigation into the incident revealed a blue Mercedes ML 320 was traveling northwest on Northwest Deerfield Street when the driver of the vehicle experienced a minor medical episode causing the driver to lose control of the vehicle and veer off the left side of the roadway."

    2019-11-25 - Man, 60, has 'medical emergency', pickup truck crashes off road, near coastal Lantana (Florida), 1 killed:
    http://www.palmbeachpost.com/news/20191125/pbso-man-likely-had-medical-emergency-before-fatal-lantana-area-crash
    http://www.wptv.com/news/region-c-palm-beach-county/driver-dies-in-single-vehicle-crash-in-suburban-lake-worth
    http://omny.fm/shows/palm-beach-news-briefs-the-palm-beach-post/man-likely-had-medical-emergency-before-fatal-lant

    Quote: "A 60-year-old Acreage man likely experienced a medical emergency moments before a fatal single-vehicle crash west of Lantana on Monday morning, the Palm Beach County Sheriff’s Office said."

    2019-11-25 - Small plane crashes into the ocean near coastal Llandudno (Britain):
    http://www.liverpoolecho.co.uk/news/uk-world-news/plane-crash-anglesey-breaking-live-17314211
    http://www.standard.co.uk/news/uk/search-operation-launched-after-plane-crash-off-coast-of-wales-a4296141.html
    http://www.standard.co.uk/news/uk/anglesey-plane-crash-search-for-missing-pilot-to-continue-after-aircraft-disappears-off-welsh-coast-a4296411.html
    http://www.breakingnews.ie/ireland/search-operation-launched-after-reports-of-plane-crash-in-irish-sea-966470.html
    http://www.dailypost.co.uk/news/north-wales-news/anglesey-plane-crash-missing-aircraft-17314050

    2019-11-25 - Passenger bus veers off road and overturns near Katraj (India), 2 killed, 26 injured:
    http://www.hindustantimes.com/cities/shivshahi-bus-with-40-passengers-topples-off-the-road-near-katraj-9-injured/story-b98B8x89IPNL5O2ejOC6WP.html

    2019-11-25 - Utility truck crashes, bursts into flame, on US 1 in coastal Cocoa (Florida), 3 injured:
    http://spacecoastdaily.com/2019/11/cocoa-fire-units-extinguish-truck-fire-on-u-s-1-three-people-suffer-minor-injuries/
    http://www.floridatoday.com/story/news/2019/11/25/utility-truck-burns-fiery-cocoa-crash-u-s-1-and-state-road-520/4300418002/
    http://mimsflorida.com/cocoa-fire-units-extinguish-truck-fire-on-u-s-1-three-people-suffer-minor-injuries/

    2019-11-25 - SUV crashes into two more SUVs in Deerfield (Massachusetts), 3 injured:
    http://www.wwlp.com/news/local-news/franklin-county/several-people-taken-to-hospital-after-three-suvs-crashed-in-deerfield/

    Quote: "Witnesses told police the driver of the Mercury was traveling northbound on Greenfield Road and may have had a medical issue. This caused the driver to crash into the Nissan and then into the Volvo."

    2019-11-25 - SUV veers off road, crashes into apartment building, in Murfreesboro (Tennessee), 1 injured:
    http://www.weny.com/story/41369212/driver-hospitalized-after-crashing-suv-into-murfreesboro-apartment
    http://www.news8000.com/news/national-news/driver-hospitalized-after-crashing-suv-into-apartment/1145450248
    http://www.wkrn.com/news/driver-hospitalized-after-crashing-into-murfreesboro-apartment/
    http://www.wgnsradio.com/suv-slams-into-apartment-8-45am-monday-cms-54688

    Quote: "Public Information Officer Larry Flowers said that the preliminary investigation indicated that the 36-year old male may have suffered a medical episode prior to the crash."

    2019-11-25 - Pickup truck veers off road, crashes into home, in coastal Eureka (California):
    http://www.times-standard.com/2019/11/25/photos-none-hurt-after-truck-drives-into-office-space-of-eureka-home/

    2019-11-25 - Car slams into box truck in Lincoln (Nebraska), 1 killed:
    http://www.klkntv.com/story/41370310/multiple-injuries-reported-in-crash-at-nw-40th-and-hwy-34

    Quote: "LSO said it's possible the driver of the BMW had a medical episode, but the crash is still under investigation."

    2019-11-25 - Car overturns at 5:42 AM in coastal Boca Raton (Florida), 1 killed:
    http://www.wptv.com/news/region-s-palm-beach-county/vehicle-crashes-lands-on-its-roof-in-western-boca-raton
    http://cw34.com/news/local/rollover-crash-shuts-down-powerline-rd-in-western-boca-raton




    2019-11-25 - Pack of dogs attacks and injures man in Delhi (India):
    http://www.thehindu.com/news/cities/Delhi/man-attacked-by-pack-of-dogs-in-south-delhi-residents-hold-protest/article30080929.ece
    http://www.sott.net/article/424702-Video-of-man-attacked-by-pack-of-dogs-in-Delhi-India




    2019-11-25 - Sinkhole opens on street and swallows car in Kuala Lumpur (Malaysia):
    http://www.straitstimes.com/asia/se-asia/sinkhole-swallows-car-in-kuala-lumpur
    http://www.businessinsider.sg/photos-a-woman-and-her-perodua-myvi-were-swallowed-by-a-sinkhole-in-the-heart-of-kuala-lumpur-on-sunday/
    http://malaysia.news.yahoo.com/massive-sinkhole-swallows-car-heart-050419665.html
    http://twitter.com/HafizShukaime/status/1198626865067388928

    2019-11-25 - Sinkhole opens on street in Stowe (Vermont):
    http://www.wcax.com/content/news/Sinkhole-closes-Stowe-intersection-565415731.html

    2019-11-25 - Sinkhole shuts down trains near Leuchars (Scotland):
    http://www.bbc.com/news/uk-scotland-tayside-central-50556236
    http://stv.tv/news/north/1442664-trains-suspended-after-sinkhole-opens-beneath-tracks/
    http://www.thecourier.co.uk/fp/news/local/fife/1027976/all-trains-cancelled-between-dundee-and-edinburgh-due-to-3ft-deep-sinkhole-on-line/




    2019-11-25 - Building partially collapses in Cincinnati (Ohio), 3 injured:
    http://www.kxlh.com/news/national/at-least-2-hurt-in-partial-building-collapse-in-cincinnati
    http://www.fox19.com/2019/11/25/photos-partial-building-collapse-downtown-cincinnati/
    http://www.kctv5.com/injured-in-cincinnati-after-partial-building-collapse/article_af5655e3-5d3a-5d27-87fd-5a8803896dd0.html




    2019-11-25 - Man has 'medical issue' and collapses at construction site in Greeley (Colorado):
    http://www.greeleytribune.com/news/police-investigate-man-collapsed-at-maddie-apartments-construction-site/

    Quote: "Police determined the man experienced a medical issue and will not further investigate the incident."

    2019-11-25 - Volcano Taal shaken by 150 earthquakes in the Philippine Islands:
    http://www.thebigwobble.org/2019/11/volcano-watch-more-than-150-volcanic.html

    2019-11-25 - Powerful storms wreak destruction in France, Greece and Italy:
    http://www.theguardian.com/world/2019/nov/25/storms-france-greece-italy-destruction-floods
    http://www.rte.ie/news/world/2019/1125/1095122-storm-in-greece-kills-three/
    http://www.sott.net/article/424719-Storms-in-France-Greece-and-Italy-leave-biblical-destruction
    http://www.sott.net/article/424657-Three-die-as-storm-front-batters-Greece

    2019-11-25 - Heavy rain and flooding hit Djibouti City (Djibouti), 9+ killed:
    http://floodlist.com/africa/djibouti-floods-november-2019
    http://www.sott.net/article/424606-9-killed-by-floods-in-Djibouti-City-after-almost-a-years-worth-of-rain-fell-in-2-days

    2019-11-25 - Where did the missing trillions go?
    http://www.sott.net/article/424693-Where-did-the-missing-trillions-go-Catherine-Austin-Fitts
    http://www.youtube.com/watch?v=J1tiGArOpZI


              

    Westbrook, Thunder top Bulls for 3rd straight win

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    MOST READ LeBron’s ‘superhuman’ powers will eventually go away, Draymond Green says Brace for potentially devastating typhoon approaching PH – NDRRMC Stronger peso trims PH debt value to P7.9 trillion CPP denies ‘Ka Diego’ arrest[...]
              

    India’s GDP lowest in 6 years; Economic Growth hits a new low

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    India’s economic growth is telling a disturbing story as the recently published GDP for the second quarter took a sharp fall at merely 4.5%. It is the GDP growth rate from July to September, which is the lowest in the past six years. This has raised a growing concern for the Indian government and the population. The economic growth of a country decides its stability and performance. If this continues to slip further, it will broadly impact the farmers, youth, and poor people of India. Where’s the $5 Trillion Economy?…

    The post India’s GDP lowest in 6 years; Economic Growth hits a new low appeared first on Rush Hour Daily News | Breaking News, U.S & World News, Politics & Opinions - News around the World.


              

    Subramanian Swamy: Collapsing Economy Will Eclipse Ayodhya Gains For BJP

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    BJP leader Subramaniam Swamy interacts with members of the media at Parliament House in New Delhi on December 17, 2015. 

    In an interview with HuffPost India, Rajya Sabha lawmaker Subramanian Swamy said the poor state of India’s economy would offset the boost which the Ayodhya verdict has given the ruling-Bharatiya Janata Party (BJP) and its leader, 

    Prime Minister Narendra Modi, under whose term the longest-running land dispute between Hindus and Muslims ended in victory for the Hindu parties. 

    Swamy, who is known to publicly rebuke his own party, the BJP, and the Narendra Modi government,  completed his PhD in economics from Harvard University, where he was guided by two Nobel laureates Simon Kuznets and Paul Samuelson. He also taught economics at Harvard. 

    The former Janata Party leader, who has served as a Union Minister under the Chandra Shekhar and Narasimha Rao governments, called out the Modi government on the economy not long after it first came to power in 2014, slamming moves like demonetisation and the Goods and Services Tax

    The 80-year-old lawmaker, who recently authored Reset: Regaining India’s Economic Legacy, believes the economic situation is so bad that it would cost the BJP the Jharkhand and Delhi Assembly elections. 

    “Unemployment will supersede every other thing including the Ram Mandir,” he said. “But Modi doesn’t listen. He listens to people who do not tell him the truth.”

    Unemployment will supersede every other thing including the Ram Mandir.

    Edited excerpts: 

    A political science professor from Lucknow University that I spoke with said the Ayodhya verdict is “everything for the BJP.” What do you think it means for the BJP? Votes?

    Votes, yes. The first principle of votes is that the voter must be mobilised. It is the RSS (Rashtriya Swayamsevak Sangh) and the VHP (Vishva Hindu Parishadworkers that get the votes out. The BJP is now guaranteed an election machinery in a revitalised form for the elections. All they have to do is make speeches.

    The general election is still four years away. Public memory fades pretty quickly. 

    I will say that people are unhappy with the economic performance and think it’s not being taken seriously. We cannot see much tangible gains in the proportion of the time that Modi spends abroad in terms of results. This economy will have to be set right. Corruption has become a big issue in Jharkhand and this is going to affect us. The most honest and prominent senior minister Saryu Rai has been denied a ticket. The public does not understand this. If your plank is fighting corruption then you should be rewarding him, not penalising him. You might see us losing in Jharkhand and in Delhi. I don’t think the Ram wave will wipe that out. The worker will not be tomtoming it. 

    The advantage of the Ayodhya verdict to the BJP will be offset by the poor economy? 

    Yes, because we are now getting into the serious business of building the temple. So, there is no time for getting out on the streets, putting garlands, distributing sweets, organising rallies. The economy is the main thing. If you perform very well economically, it is not necessary you will win. Why? Well, Narasimha Rao was an example. Even (Atal Bihari) Vajpayee was an example. All the party workers sat at home and said ― okay, you have your “India Shining,” but you have done nothing for the Ram Janmabhoomi, we are sitting at home. But if the economy is so bad that a guy doesn’t know how to pay his child’s school fees or whether his bank is going to collapse. We have reached that stage of the economy. We are on the verge of a collapse. Some miracle can change that. Good policies could change that. But I don’t see any good policies coming. I’m saying it’s very hard, I’m not saying impossible, to reverse defeat in Delhi and Jharkhand ( Assembly elections). We have some time to fix Delhi if we put a good chief minister’s candidate. If the present governor of Assam (Jagdish Mukhi) is brought in as the chief ministerial candidate then we will win for sure. 

    You might see us losing in Jharkhand and in Delhi. I don’t think the Ram wave will wipe that out.

    To be clear, you are saying the advantage of the Ayodhya verdict would be offset by the poor state of the economy. 

    It would be offset by the economy if it comes to mass unemployment. The consequence of banks folding up, the consequence of cutting down of shifts in a factory, all these will lead to layoffs. Lay-offs is unemployment. Unemployment will supersede every other thing including the Ram Mandir. 

    You believe the BJP will see the fallout of the poor economy in Jharkhand and Delhi Assembly elections?

    Yes. 

    When we spoke in May, you said that you wanted to be Finance Minister in the next government. 

    Yes.

    You are publicly critical of your own party and PM Modi. Don’t you have to play the political game to get the position?

    No. It’s not the political game. I believe the party committed in the 2014 election to three things: furthering Hindutva, fighting corruption, and developmental economics. There is no vikas taking place. I’ve been writing this since 2015, not now. We are heading for a tailspin and soon a crash. But Modi doesn’t listen. He listens to people who do not tell him the truth. All the people that he has given high positions to do not tell him the truth. 

    We are heading for a tailspin and soon a crash. But Modi doesn’t listen.

    It’s probably you saying these things that makes it hard for the PM to make you FM?

    I should have been made in 2014. I wasn’t saying these things in 2014. Now, he doesn’t want me. He doesn’t want any minister to talk back to him, let alone in public, but in private cabinet meetings too. Which are the ministers that talk to him? I’m built this way. I had no problem working with Chandra Shekhar. I had no problem working with Narasimha Rao. I had no problem working with Morarji Desai, I had no problem working with Rajiv Gandhi and building a coalition government (Swamy is believed to have been instrumental in getting Rajiv Gandhi to support Chandra Shekhar for PM).  

    He doesn’t want any minister to talk back to him, let alone in public, but in private cabinet meetings too.

    What do you think of Nirmala Sitharaman as Finance Minister?

    Same problem. She does not know any economics. If you see the press conferences, she is handing the mic to civil servants to answer.  What is the problem in the country today? Poor demand. Supply is not the problem. But what did she do? She relaxes taxes for corporates. Corporates are flushed with supply. They will just use it to write off their debts. That is what they have done. There is no improvement. You should abolish income tax instead so people can go out and spend. People cannot buy biscuits. Go and speak to Britannia

    Three ways for getting the economy on the road to recovery. 

    First way is to bring some cheer into the middle class. Abolish income tax. There is depression and pessimism in the middle class and they are a very powerful part… they have influence even through word of mouth. You will see dancing on the streets if that happens.  Second, say that small and medium-sized industries will not have to pay more than 6% interest rates on loans. At the same time, fixed deposit rates for savings should be raised to 9% from the present 6% of the rate of interest for taking loans. Third is that you print notes and start a massive public works program like roads, turnpikes, houses, that sort of thing. 

    First way is to bring some cheer into the middle class.

    In your book, you write that BJP should give an alternative ideological thrust to economic policy. What do you mean?

    Our society was structured on the principle that the most learned and the least wealthy person should be called a Brahmin. Gyani and tyagi as they say. If you keep talking about profit maximisation, then you are back to the same one dimensional society of the United States and the western world. I would like everyone to be persuaded that money beyond their comfortable normal life should be given to philanthropy. Only then will we give you any status. But here it’s all become greed. Look at the money being spent on weddings. It’s absurd. People want to show off — my wedding was better than my neighbours. It’s in an appendix chapter where I’ve called it integral humanism. 

    The small and medium-sized industries should be given the maximum assistance to stand on their feet. Low interest rates. Today, the internet rates are 14% to 15%. It’s cruel. They have already crumbled. Similarly, corporates should be told that if you build schools, hospitals, pay for the tuition of your employees children, they will be given tax exemptions. We should move away from government fixing goals to incentives. The market should function in a framework where no one can wipe others out. We should not let monopolies to develop through competition. 

    Look at the money being spent on weddings. It’s absurd.

    In the book, you write the PM relies on friends and ministers who do not tell him the truth about the economy. Why don’t they tell him?

    Because he will sack them.

    Have you tried telling him?

    Why should I advise him when he is not ready to listen. The best thing I do is write a letter. I’ve not asked for an appointment from him for the past three and a half years.

    You said the economy is on the verge of collapse. Why do you say that?

    A trigger mechanism exists in every economy, and it takes just two banks to collapse, and many of them are on the verge of collapse. Someone recently asked me is my money safe in the bank? Many people ask me this question. It’s all subjective. Now, what if everyone goes to the banks and says give me my money. The bank can’t. Every time the bank takes one rupee, they lend out eight. They create eight new accounts of one rupee each. They collapse. That’s called a run on the bank. I can’t predict when that will happen.

    The other thing that worries me is that everything is negative, but the stock market is going up. So, what’s happening? People are either bringing money from abroad through that corrupt mechanism called participatory notes, or they are not putting their money in the bank and in fixed deposits. They have been cheated in ponzi schemes, so they are putting in the stock market. The stock market is flushed with funds but the country is not.  Find out what the shortfall in GST is. GST is another crazy scheme which should never have been brought. The paperwork involved is unbelievable. 

    The other thing that worries me is that everything is negative, but the stock market is going up.

    The economy is suffering, but the government is also trying to conceal it. Journalist Somesh Jha of The Business Standard, for instance, reported that the government has tried to suppress data which showed that the unemployment figures were at an all time low. 

    This is not Modi doing it. It started with (Arun) Jaitely. I’ve mentioned ‘spin’ several times in my book. All spin.

    Another report says consumer spending has fallen to its lowest in the last four decades. Why is the government not making this public. 

    Why not? When they think spin is all that works and media people comply. How many of you media people have called me to debate with a government spokesperson. By the way, my rebellion is a sign that BJP is a democratic party. Nobody in the Congress can do it. Why don’t you send me a copy of both reports. I’ll add a covering note and send them to the PM and ask are you aware of this. 

    The issue is suppression of data… 

    But the prime minister knows nothing about it. He is told wonderful growth rate. Do you know what the real growth rate today is? They are saying that it is coming down to 4.8%. I’m saying it is 1.5%. I’m an expert on index number theory, which is all about the prices on which you should calculate GDP. 

    Are we calculating the GDP correctly?

    No. Are we calculating the index numbers correctly? No. Why? Either we are ignorant or it makes us happy to see better figures. This atmospherics problem is what is hitting. 

    This atmospherics problem is what is hitting.

    How should we be calculating the GDP?

    It’s a technical subject. When we took over the financial base year was 2003-2004. At present, it is  2011-12. If you bring it up and start evaluating at 2017-18 prices, without your doing any work, your growth rate will also go up, but so will also the pre-2011 data. But that you don’t publish. 

    No, you say this year the growth rate is 7%. If you calculate at current prices, you can get it higher again. Prime Minister said $5 trillion by 2024. That means doubling in five years. Which means what growth rate? 14.4%.  Are you growing at 14.4%? And today, if you are going to go from your present target of $2.7 trillion to 5 trillion, you are at 18% growth rate. All these numbers are known to people, they are known to our economists also, but they are under pressure to produce pleasing data. 

    What did you think of Finance Minister Nirmala Sitharaman blaming millennials not buying cars for the slump in the auto industry?

    It’s like a Tale of Two Cities reworked. 

    But the Maruti chairman RC Bhargava said she had a point. 

    He can say anything. It was a stupid thing for her to say. They must think people to be idiots that they would accept such a thing. All kinds of crazy things are being said. 

    Also on HuffPost

              

    What You Need To Know From The Recent Findings Of 7 Big Climate Reports

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    The world is rapidly accelerating toward climate catastrophe, our financial institutions have their foot on the gas and pinning our hopes on Chinese leadership to desperately wrench the steering wheel away from the guardrail looks increasingly foolish.

    But, hey! At least a growing percentage of Americans recognize that the federal government should do more about climate change. 

    Those are just a few findings contained in seven reports published in the past week examining the climate emergency ahead of next week’s United Nations summit in Madrid. 

    For the latest news and more, follow HuffPost India on TwitterFacebook, and subscribe to our newsletter.

     The 25th Conference of the Parties was intended to be a forum for countries to up the ante from the 2015 Paris Agreement. They were supposed to come with new, more ambitious pledges to meet the targets and build on the momentum of the four years since the agreement was reached. Instead, the reports out since Nov. 20 illustrate the extent to which the world’s most powerful institutions are still engaged in a game of lethal procrastination that threatens to speed up global ecological collapse and sow chaos throughout human civilization in the decades to come. 

    Here’s a quick breakdown of what the reports found: 

    1. Global temperatures are on pace to rise as much as 3.2 degrees Celsius by the end of the century ― more than double what scientists project to be a safe range that remotely resembles our world today. 

    That came from the United Nations’ latest grim assessment of the so-called emissions gap between the amount of planet-heating gases countries agreed to cut and where the current projections are headed. The Paris Agreement aimed to cap average temperatures at 2 degrees Celsius above pre-industrial levels; a U.N. report last year determined that the pact’s more ambitious goal of 1.5 degrees Celsius of warming would likely cost hundreds of millions of lives and about $54 trillion in today’s dollars. Global temperatures are already a little over 1 degree Celsius compared with the period before the advent of industrial fossil-fuel use. 

    Top greenhouse gas emitters by country.

    To keep warming within 1.5 degrees (about 2.7 degrees Fahrenheit), the world will need to cut emission 7.6% every year from 2020 to 2030, the report published Monday found. 

    “The summary findings are bleak,” the assessment stated. 

    2. The top 10 fossil-fuel-producing countries are on track to extract 120% more oil, gas and coal than would be consistent with 1.5 degrees of warming. 

    A chart from the report shows the so-called production gap between the emissions cuts needed to keep global warming in a safe range and the amount of fossil fuel projected to be drilled.

    There isn’t just an emissions gap. There’s a production gap, too. That’s what this first-of-its-kind analysis by scientists at six organizations, including the United Nations Environment Programme, found last week. Projections to extract new fossil fuel reserves in China, the United States, Russia, India, Australia, Indonesia, Canada, Germany, Norway and the United Kingdom exceed the limits to keep warming within 2 degrees Celsius by 50%. That figure surges to 120% when modeled for 1.5 degrees Celsius. 

    3. The world’s biggest asset managers remain heavily invested in climate-polluting industries ― and do little if anything to convince those companies to change. 

    That’s the finding of a sweeping survey by the British think tank InfluenceMap of the 15 largest asset managers that control a combined $37 trillion. Only three big firms ― UBS Asset Management, Allianz and Legal & General ― “strongly and consistently engage with the companies they invest in to align their business models with Paris targets.” The report found $8.2 trillion invested in four top-polluting industries: oil and gas, coal mining, automobiles and electric power. 

    A chart from InfluenceMap shows which of 15 biggest asset managers control investments aligned with the Paris Agreement's less ambitious 2-degrees Celsius goal.

    “Forceful engagement with the companies in these sectors to hasten their transition to low carbon technologies must occur if the finance sector wishes to align its portfolios with climate goals,” the report stated. “The majority of companies in these sectors are very far from aligning their business models to meet the goals of Paris.”

    4. The insurance industry looks stunningly unprepared for the “extremely high” risks of climate change. 

    A third of the regulators surveyed did not know how prepared insurers were to respond to potential effects of climate change on their financial stability.

    So say insurance regulators in a survey released Monday by the professional services giant Deloitte. As the costs of extreme weather have soared over the past decade, with the number of disasters causing $1 billion or more spiking dramatically since 2010, the 27 regulators surveyed from the National Association of Insurance Commissioners painted a picture of an industry stumbling largely in the dark. One-third of regulators said they did not know how well insurers are prepared to deal with the effects of climate-linked financial instability. Among those who said they were prepared, no more than four respondents in the weighted survey said insurers were “largely or fully prepared.” 

    Similarly, one-third of regulators said they did not know whether current insurer risk models were up to the task of capturing and testing climate-related risks. Among those who knew, only two said the models were “very good” and none rated them as excellent.

    5. New investments in wind, solar and other renewable energy projects dropped sharply in the developing world last year. Coal, meanwhile, hit a record high. 

    A Bloomberg New Energy Finance chart shows investments in new solar, wind and other non-hydroelectric power projects dropping from 2017 to 2018.

    From 2017 to 2018, investments in new clean-energy infrastructure in 104 emerging markets fell from $169 billion to $133 billion, according to a report published Monday by the research firm Bloomberg New Energy Finance. China ― the world’s No. 1 emitter of greenhouse gases ― led the decline, investing $86 billion in renewable energy projects in 2018 compared with $122 billion in 2017. 

    Coal surged. The volume of coal-fired power generated and consumed in developing countries climbed to 6,900 terawatt-hours in 2018, up from 6,400 in 2017. 

    6. China is building more new coal plants than exist in all of the European Union. 

    From January 2018 to June 2019, countries outside of China decreased their total coal power capacity by 8.1 gigawatts, while China increased its coal capacity by 42.9 gigawatts.

    In 2017, China earned worldwide acclaim for canceling plans to build 103 new coal plants. It was a convenient political narrative that drew a stark contrast with the United States, where newly inaugurated President Donald Trump was preparing to withdraw the world’s second-largest greenhouse gas emitter from the Paris climate pact. 

    But a Global Energy Monitor report published Nov. 20 found that China has close to 147.7 gigawatts of coal power capacity under construction or likely to be resumed after being suspended. That nearly amounts to the European Union’s entire 150 gigawatts of coal capacity.

    7. The vast majority of Americans want the federal government to do more to curb climate change and protect the environment. 

    New polling from Pew Research Center found majorities of U.S. adults think the federal government is doing too little to curb climate change.

    The numbers released Monday by the Pew Research Center illustrate why the issues are taking on such a big role in this election cycle. At 67%, the vast majority of American adults said “the federal government is doing too little to reduce the effects of global climate change.” Another 67% said the same of protecting air quality, and 68% said officials in Washington should do more to “protect water quality of lakes, rivers, and streams.” 

    Yet the climate question broke down along partisan lines. Among Democrats and voters who lean Democratic, 90% said the federal government needed to do more to curb the climate crisis. Among Republicans and those who lean Republican, that figure fell to 39%.

    Also on HuffPost

              

    Corporate America's debt load is nearing $10 trillion, a record 47% of the overall economy — and experts around the world are sounding the alarm http://www.businessinsider.com/us-corporate-debt-10-trillion-record-percentage-economy-expert-warnings-2019-12 …

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    Corporate America's debt load is nearing $10 trillion, a record 47% of the overall economy — and experts around the world are sounding the alarm http://www.businessinsider.com/us-corporate-debt-10-trillion-record-percentage-economy-expert-warnings-2019-12 …


              

    Wealth Management - Private Bank - Client Advisor - Vice President - Milwaukee, WI - J.P. Morgan - Milwaukee, WI

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    Is a leading global financial services firm with assets of more than $2.7 trillion, over 240,000 employees and operations in over 60 countries.
    From JPMorgan Chase - Thu, 03 Oct 2019 04:41:17 GMT - View all Milwaukee, WI jobs
              

    Automakers Offer Record Incentives As Trillion Dollar Auto Bubble Bursts

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    It seems that we were right. Automakers are now offering the most discounts on record to entice deadbeat consumers in November, according to a new report from JD Power. The average incentive spending per vehicle is $4,538, an increase of 12% YoY. The previous high for the industry was $4,378 in 4Q17.         […]
              

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    KAZAKHSTAN LOSES OVER $40 BILLION DUE TO SME SLOWDOWN

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    As of November 1, 2019, the number of operating SMEs amounted to 1.3 million. In total, enterprises produced products worth 26.5 trillion tenge. As a result, the share of SMEs …




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