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DNA Leader May 10th Election Date continues to be held by one

first_img Elections will not hamper Defense Force HMBS Flamingo Memorial Facebook Twitter Google+LinkedInPinterestWhatsApp Facebook Twitter Google+LinkedInPinterestWhatsAppBahamas, April 12, 2017 – Nassau – Leader of the DNA, Branville McCartney, says the election date cannot continue to be held by one man! In a statement issued by the party leader, McCartney says this does not represent a true democratic state, as the power remains “in the hands of the Prime Minister, who can choose to call it at a time pleasing to him or his party, without regard for the current state of the country.”McCartney expressed concerns over the date clashing with National Assessment Examinations and the disruptions students will face to facilitate the polls.  The DNA Leader echoed sentiments over May 10th polls clashing will the HMBS Flamingo Tragedy. He says it’s “a reminder that this Bahamaland is a place to be protected and defended, and its citizens deserve the opportunity to observe this event without distraction”.McCartney reminded the public of the Carnival date changes to accommodate the polls, but was later forced to be reinstated following public outcry.  He says under his party, calls continue to be made for fixed election dates as it will remove the element of surprise and allow for proper planning and execution of the electoral process.Story by: Kimberly Ramkhalawan#MagneticMediaNews#BahamasGeneralElection#May10thisdayinhistory#electiondateheldbyoneman Related Items:#BahamasGeneralElection, #electiondateheldbyoneman, #magneticmedianews, #May10thisdayinhistory DNA on Election Date The significance of this year’s election date – May 10th Recommended for youlast_img read more

first_imgReserving event space at one of Clark County’s parks will become easier next year, officials say, and that comes as good news to Judith Even of Ridgefield.For years, she’s been organizing the Jones family reunion at Lewisville Park, outside Battle Ground. But 2014 could become the first year when the reunion doesn’t happen, at least not at Lewisville, and that’s cause for frustration.She wasn’t able to reserve her preferred spot Monday, the sole day on which the county took in-person and phone reservations on a first-come, first-served basis.After spending 2.5 hours on the phone attempting to lay claim to one of the park’s shelters, only to be put on hold, she made her way down to the Clark County Operations Center to reserve a spot in person. By the time she got there, around 1 p.m., she was told the park was already booked solid.“The whole thing is frustrating,” she said. “Anything has to be better than this.”The county plans to ease some of that frustration this spring by creating an online system for reserving park space. The system would allow prospective park users to reserve a spot up to a year in advance.last_img read more

VIDEO State Rep Ken Gordon Interviews Congressman Seth Moulton

first_imgShare this:TwitterFacebookLike this:Like Loading… RelatedVIDEO: State Rep. Ken Gordon Discusses 2018 Legislative AccomplishmentsIn “Videos”State Rep. Ken Gordon Provides Updates On State Budget; New Shuttle Bus Service; Hanscom Air Force Base & MoreIn “Government”State Rep. Ken Gordon Provides Updates On Legalizing Sports Betting, Opioid Crisis & MoreIn “Government” BURLINGTON, MA — On the latest episode of his “Rappin’ with the Rep” local access TV show, State Rep. Ken Gordon, who represents Precinct 3 in Wilmington along with all of Burlington and Bedford, interviewed U.S. Congressman Seth Moulton. They talk local transportation, President Trump’s emergency declaration, gun reform, fake news, political transparency and more.Watch the episode below, courtesy of Burlington Access Cable TV:——Like Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple’s daily email newsletter HERE. Got a comment, question, photo, press release, or news tip? Email wilmingtonapple@gmail.com.last_img read more

first_imgInfosys, Wipro, TCS, Oracle and HP are reportedly in the race to bag the Rs 125-crore technology outsourcing contracts to be finalised shortly by Indian e-commerce shopping website Paytm, which was given a licence last year by the Reserve Bank of India (RBI) to set up a payments bank. The contracts envisage core-banking, security and fraud detection and are expected to be awarded in a week, Paytm co-founder Vijay Shekhar Sharma was quoted as saying by The Economic Times.One97 Communications Ltd, which owns Paytm, is planning to open a physical payments bank in August 2016.”Internally, we were changing the launch date with the intention that by June (2016) we should pull it off, but July will also get covered because there is so much technology implementation happening,” Sharma told ET.Infosys, Oracle and Tata Consultancy Services (TCS) are in the race to offer core-banking services solutions for payments while Wipro and TCS have bid to sell their system-integration solutions, Sharma said.Shinjini Kumar, former central banker and PwC executive, will head the company’s payments bank as its CEO, according to an earlier ET report.Former Airtel executive Saurabh Sharma will head the merchant and agent acquisition business while ex-Amazon India executive Vikas Purohit will lead Paytm’s banking operations, ET reported.Demand deposits from small businesses and individuals up to Rs 1 lakh maximum will be accepted by payments banks. However, NRIs cannot conduct business with such banks. [1 lakh = 100,000 | 1 crore = 10 million | 100 crore = 1 billion]last_img read more

first_img Cyclone Fani | The cyclonic storm completely moved into land The schools and colleges in Gujarat have declared a holiday on June 13, anticipating the impact of the cyclone. (Representational Image)The cyclonic storm Vayu is fast moving northwards over the east-central Arabian Sea and is expected to hit the Gujarat coast between Porbandar and Mahuva in early hours of Thursday, June 13.The cyclone is expected to intensify into a severe cyclonic storm in the next 12 hours. It will hit the Gujarat coast around Veraval and Diu region, with windspeed going up to go up to 110-120 kmph gusting to 135 kmph.The deep depression is located off the Lakshadweep coast near Aminidivi. Cyclone Vayu over East Central Arabian Sea.CS ‘VAYU’ about 350 km west-southwest of Goa at 0830 IST. To move nearly northwards & cross Gujarat coast between Porbandar & Mahuva around Veraval & Diu region as a Severe Cyclonic Storm with wind speed 110-120 kmph gusting to 135 kmph during early morning of 13th June 2019. pic.twitter.com/LbjZI6RMwu— India Met. Dept. (@Indiametdept) June 11, 2019Fishermen have been advised to not venture into Southeast Arabian Sea, Lakshadweep area, along the Kerala and Karnataka coasts on Tuesday and the east-central Arabian Sea and along the Maharashtra Coast on both Tuesday and Wednesday. Advisory has also been given to not venture into the Northeast Arabian Sea and along Gujarat coast on Wednesday and Thursday.The schools and colleges in Gujarat have declared a holiday on June 13, anticipating the impact of the cyclone. The Gujarat government is on high alert and has decided to deploy 10 teams of National Disaster Response Force (NDRF) personnel in coastal areas of Saurashtra and Kutch from Tuesday morning.The government will also put the Army, the Navy and the Coast Guard on alert. Chief Minister Vijay Rupani also reportedly said that people living in the coastal belt would be shifted to safer places.”We have cancelled leaves of all the employees concerned and asked them to join the duty. After the Cabinet meeting, all the ministers will go to various districts to oversee relief and rescue operations,” Rupani told reporters in Gandhi Nagar. IBTimes VideoRelated VideosMore videos Play VideoPauseMute0:02/1:10Loaded: 0%0:02Progress: 0%Stream TypeLIVE-1:08?Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedSubtitlessubtitles settings, opens subtitles settings dialogsubtitles off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window. COPY LINKAD Loading … Impact in other statesDue to changes in wind direction because of Vayu, isolated dust storm and thunderstorm activity are also expected in parts of Rajasthan on Tuesday, leading to a marginal drop in temperatures over the region. Scattered dust storm followed by rain and thundershower is expected over many parts of Rajasthan on Wednesday and Thursday.Mumbai would see good rains and high-velocity winds as the cyclone is expected to cross 250-300 km away, parallel to the Mumbai coast, in the early hours on Wednesday.In Kerala, Alappuzha recorded 106 mm of rain, Kottayam 92 mm, Kochi 91 mm, Thiruvananthapuram 58 mm, and Kanyakumari 36 mm within a span of 24 hours. Heavy to very heavy rains are expected over coastal Karnataka and Goa in the next 24 hours.A cause of worryBut while Vayu is expected to not result in widespread destruction, it is a cause of worry because it is likely to halt the northward progression of the monsoon for a few days, by sucking all the moisture from the monsoon winds towards itself.The arrival of the monsoon has already been delayed, hitting the Kerala coast on June 8 instead of June 1. Closelast_img read more

first_imgRishabh PantDelhi Capitals TwitterWicket-keeper batsman Rishabh Pant has been confirmed as the replacement for Shikhar Dhawan after the latter was ruled out of the entire ICC Cricket World Cup 2019, in England due to a thumb injury.The prolific opener suffered the injury after being hit by a Pat Cummins delivery during his 109-ball 117 knock against Australia. While the X-ray didn’t show any fracture, CT scan revealed otherwise and Dhawan was taken to a specialist for further assessment. He was given time to recover but according to sources he needed two weeks to recover, leading to his omission from the squad for the rest of the tournament.It will be a huge loss for the Virat Kohli-led side as the southpaw is a very important part of the team and was in form.The 21-year-old, wicket-keeper batsman Pant, who plays for Delhi Capitals, was not included in the 15-member squad for the World Cup. Experienced campaigner Dinesh Kartik was selected instead of him which triggered mixed reactions from experts and fans. He had scored 488 runs in 16 matches of the IPL including three half-centuries. But the team management felt he is not ready for the World Cup. His performance for India is not that good though, he has played five ODIs scoring 93 runs at an average of 23.25. Considering his form in the IPL former cricketers around the world stated that the selectors played it ‘safe’ by choosing Kartik.Rishabh Pant is already with the team as cover for Dhawan. He reached Manchester and joined the Indian team ahead of the clash against Pakistan. India are currently placed fourth in the table and will next face Afghanistan on Saturday, June 22. The Delhi Capitals batsman might get a call up in that match considering India having a much better chance of winning against the minnows who are yet to win a game in the tournament.last_img read more

first_imgSpider-Man: Far From Home and Jyothika’s Raatchasi.PR HandoutTime and again, Hollywood films have proved that they have a constantly growing market in Chennai. Spider-Man: Far From Home has now taken the top spot after getting a flying start at the collection centres in the capital city of Tamil Nadu.Spider-Man: Far From Home has, in fact, performed better than local movies. It has raked in Rs 1.61 crore from 231 shows at the Chennai box office, as per Behindwoods.Jyothika’s Raatchasi is in second place at the Chennai box office. It has raked in Rs 68.01 lakh from 201 shows. It is considered to be a good number for a female-centric film.It is followed by Kalavani 2, which has earned Rs 13.96 lakh from 78 shows. The movie was hit by financial issues on the opening day, leading to the cancellation of shows across the state.Yogi Babu’s Dharmaprabhu has entered its second weekend in Chennai. Unfortunately, the film has failed to perform. It earned Rs 9.60 lakh to take its total collection to Rs 57.26 lakh by the end of its second weekend.Hindi film Article 15 has grossed Rs 9.48 lakh from 36 shows at the Chennai box office. It has collected Rs 33.28 lakh from 36 shows.Samantha’s Oh! Baby has got an average opening in Chennai. It has earned Rs 9.43 lakh from 45 shows. Hollywood flick Annabelle Comes Home has collected Rs 8.30 lakh from 48 shows to take its total tally to Rs 77.60 lakh.Vijay Sethupathi’s Sindhubaadh, which saw the light of the day after much delay, has failed to set the box office on fire. To everyone’s shock, the business has completely dropped in the second weekend itself.It has made a collection of Rs 5.97 lakh from 48 shows to take its total tally to Rs 1.84 crore. Jiivi has raked in Rs 3.62 lakh from 39 shows to take its total tally to Rs 11.67 lakh.last_img read more

McHenry Named to Preseason AllACC Squad Cards Tabbed Third

first_imgPitt’s four representatives led all ACC squads. Senior right side hitter Nika Markovic, senior middle blocker Layne Van Buskirk, redshirt senior outside hitter Stephanie Williams and junior outside hitter Kayla Lund received the honor. University of Louisville senior outside hitter Melanie McHenry headlines the list of Preseason All-ACC volleyball stars and the Cardinals have been chosen third in the preseason poll of the ACC coaches. 2019 ACC Volleyball Preseason Coaches Poll Pitt (195 points, 13 First-Place Votes) Florida State (174, 2 First-Place Votes) Louisville (167) Notre Dame (164) North Carolina (120) Syracuse (118) Duke (113) Clemson (105) NC State (101) Miami (90) Georgia Tech (86) Boston College (52) Virginia Tech (39) Virginia (33) Wake Forest (18) Three student-athletes from Notre Dame made the team, with sophomore right side hitter Sydney Bent and sophomore outside hitter Charley Niego, in addition to sophomore setter Zoe Nunez. Clemson and Florida State each had two representatives, and Duke, Georgia Tech, Louisville, Miami, NC State, Syracuse and Virginia had one each. Story Links Fifteen of the 18 honorees on the 2019 Preseason All-ACC Volleyball Team earned 2018 All-ACC nods, with eight earning first team designations and two earning annual awards. The 2019 season begins on Friday, Aug. 30, with 14 league teams in action. The 2019 ACC volleyball champion will be determined by the final regular season standings, with that team receiving an automatic bid to the 2019 NCAA Division I Volleyball Championship. Pitt has been picked to win its third straight Atlantic Coast Conference volleyball title in a vote of the league’s 15 head coaches. The two-time reigning ACC Champion Panthers received 13 first-place votes and 195 points, as coaches were not allowed to vote for their own team. Florida State received two first-place votes and 174 points. Louisville (167 points), Notre Dame (164) and North Carolina (120) were slated third, fourth and fifth, respectively. Syracuse was picked sixth with 118 points, followed by Duke (113), Clemson (105), NC State (101) and Miami with 90. Georgia Tech (86 points), Boston College (52), Virginia Tech (39), Virginia (33) and Wake Forest (18) round out the league. 2019 ACC Volleyball Preseason All-Conference TeamBrooke Bailey, OH, R-Jr., ClemsonKaylin Korte, OH, R-Jr., ClemsonPayton Schwantz, OH, Jr., DukePayton Caffrey, OH, Sr., Florida StateTaryn Knuth, MB, Jr., Florida StateMikaila Dowd, OH, So., Georgia TechMelanie McHenry, OH, Sr., LouisvilleElizaveta Lukianova, OH, R-Jr., MiamiMelissa Evans, OPP, Jr., NC StateSydney Bent, RS, So., Notre DameCharley Niego, OH, So., Notre DameZoe Nunez, S, So., Notre DameKayla Lund, OH, Jr., PittNika Markovic, RS, Sr., PittLayne Van Buskirk, MB, Sr., PittStephanie Williams, OH, R-Sr., PittPolina Shemanova, OH, So., SyracuseSarah Billiard, OH/RS, Jr., Virginia Print Friendly Versionlast_img read more

Release of Docs to Reveal How Facebook Made Money Off Children

first_imgDocuments related to a 2012 lawsuit against Facebook in which children, sometimes unwittingly, spent their parents’ money on games via the social site will be unsealed, according to a Monday ruling from the United States District Court.The court gave Facebook ten days to file unredacted documents in accordance with the ruling.The 2012 lawsuit dealt with minors spending their parents’ money in games without permission and sometimes without even being aware that they were spending actual currency in Facebook games. Some of the documents reveal that Facebook employees were even aware that children were spending large amounts of money without parental awareness, according to Reveal, the news agency of The Center for Investigative Reporting (CIR).“A glimpse into the soon-to-be-released records shows Facebook’s own employees worried they were bamboozling children who racked up hundreds, and sometimes even thousands, of dollars in game charges,” a post from Reveal stated. “And the company failed to provide an effective way for unsuspecting parents to dispute the massive charges, according to internal Facebook records.” In another glimpse of one of the to-be unsealed documents from the case, a Facebook employee refers to a minor spending money in the game as a “whale.” The term “whale” is used in the industry to refer to big spenders in games, often in mobile or casual games.The following excerpt is allegedly from one of the unsealed documents as spotted by Reveal:Gillian: Would you refund this whale ticket? User is disputing ALL charges…Michael: What’s the users total lifetime spend?Gillian: It’s $6,545 – but card was just added on Sept. 2. They are disputing all of it I believe. That user looks underage as well. Well, maybe not under 13.Michael: Is the user writing in a parent, or is this user a 13ish year oldGillian: It’s a 13ish yr old. says its 15. looks a bit younger. she* not its. Lol.Michael: … I wouldn’t refundGillian: Oh that’s fine. cool. agreed. just double checkingAs of 2012, “Facebook’s refund policies for individuals between 13 and 17 were the same as its policies for adults, but … policies for minors under 13 were different,” according to the court document. This could explain why the employees were speculating over the user’s age.Regardless, that Facebook employees would refer to a minor as a “whale” implies intention behind purchases, which brings it back to the issue of whether a parent should be held responsible when a child, even unknowingly, makes massive purchases with their credit card.The eight documents, which Facebook requested remain sealed, fall into the categories of “refund policies… fraud detection practices… and …  sensitive business and financial information.”The court sided with Facebook for several exhibits, largely under grounds that information within was sensitive business information that would put the company at a competitive disadvantage (that’s where the “denied in part” ruling comes from).The court disagreed with some key information, such as Facebook’s request to seal a document which contains ” dollar values related to transactions, refunds, and chargebacks involving minors between 2008 and 2014″ on the grounds that this information is not going to harm Facebook’s business interests and is “of great public interest.”View this document on Scribd For example, one internal memo stated that “In nearly all cases the parents knew their child was playing ‘Angry Birds’, but didn’t think the child would be allowed to buy anything without their password or authorization first,” according to Reveal.The 2012 case came after plaintiff Glynnis Bohannon contended that her child asked to spend $20 on Facebook Credits, an in-game currency, to use on “Ninja Saga.” Bohannon agreed and used her credit card, but her child was able to continue spending money without her permission beyond the $20, ultimately reaching “several hundred dollars,” according to the court document.Bohannon attempted to get a refund from Facebook, but was denied until she filed against Facebook.Another plaintiff, Steven Wright, had a similar experience with his son and had over $1,000 of disputed charges. In the case of Wright, his son had not asked for initial permission, and he was granted only a partial refund of $59.90 with an additional $999.30 in charges remaining unrefunded, though a Facebook representative said it had “refunded the charges to [Mr. Wright’s] funding instrument,” according to the court document.Complaints in the lawsuit Bohannon v. Facebook contended that “under its policies, Facebook ‘routinely refuses requests by children and their parents and legal guardians to provide refunds for transactions that are subject to disaffirmance under California law.’”Ultimately, the case was settled, and the plaintiffs received refunds. Following the conclusion of the lawsuit, the CIR requested documents related to the Bohannon v. Facebook case be released in full, a request that was ultimately “granted in part and denied in part.”In response to Variety‘s request for comment, a Facebook spokesperson offered the following statement:“We were contacted by the Center for Investigative Reporting last year, and we voluntarily unsealed documents related to a 2012 case about our refund policies for in-app purchases that parents believe were made in error by their minor children. We intend to release additional documents as instructed by the court. Facebook works with parents and experts to offer tools for families navigating Facebook and the web. As part of that work, we routinely examine our own practices, and in 2016 agreed to update our terms and provide dedicated resources for refund requests related to purchased made by minors on Facebook.“ Popular on Variety ×Actors Reveal Their Favorite Disney PrincessesSeveral actors, like Daisy Ridley, Awkwafina, Jeff Goldblum and Gina Rodriguez, reveal their favorite Disney princesses. Rapunzel, Mulan, Ariel,Tiana, Sleeping Beauty and Jasmine all got some love from the Disney stars.More VideosVolume 0%Press shift question mark to access a list of keyboard shortcutsKeyboard Shortcutsplay/pauseincrease volumedecrease volumeseek forwardsseek backwardstoggle captionstoggle fullscreenmute/unmuteseek to %SPACE↑↓→←cfm0-9Next UpJennifer Lopez Shares How She Became a Mogul04:350.5x1x1.25×1.5x2xLive00:0002:1502:15last_img read more

FHFAs 2013 Settlements Total Nearly 8B

first_img January 6, 2014 456 Views Agents & Brokers Ally Attorneys & Title Companies Citigroup Fannie Mae FHFA Freddie Mac Investors Lenders & Servicers Mortgage-Backed Securities Service Providers Wells Fargo 2014-01-06 Carrie Bay in Government, Secondary Market As conservator of “”Fannie Mae””:http://www.fanniemae.com and “”Freddie Mac””:http://www.freddiemac.com, the “”Federal Housing Finance Agency””:http://www.fhfa.gov (FHFA), recovered nearly $8 billion on behalf of taxpayers in 2013 through settlements with financial institutions.[IMAGE]FHFA sued 18 financial institutions in 2011 alleging violations of the federal Securities Act of 1933 and in some cases, alleging fraudulent activity, related to sales of private-label mortgage-backed securities to Fannie and Freddie between 2005 and 2007.The GSEs’ regulator reached settlements with six institutions named in the 2011 suits last year, the largest of which was JPMorgan Chase & Co. for $4 billion. FHFA settled with Deutsche Bank AG for $1.925 billion, UBS Americas (Union Bank of Switzerland) for $885 million, Ally Financial for $475 million, CitiGroup for $250 million, and General Electric Co. for $6.25 million. A non-litigation agreement was also struck outside of court with Wells Fargo Bank in October for $335.23 million.[COLUMN_BREAK]Of the 18 lawsuits filed by FHFA, 12 are still pending a resolution. Named as defendants in these are: Barclays Bank, Bank of America, Credit Suisse Holdings (USA), First Horizon National Corp., Goldman Sachs & Co., HSBC North America Holdings (Hong Kong Shanghai Banking Corp.), Merrill Lynch & Co., Morgan Stanley, Nomura Holding America, SG Americas (Societe Generale), the Royal Bank of Scotland, and Countrywide Financial. “”FHFA remains committed to satisfactory resolution of the remaining actions,”” the agency said in a separate statement released last month.When FHFA stepped in as conservator of the nation’s two largest mortgage financiers in September 2008, the agency was charged with “”preserving and conserving”” the GSEs’ assets on behalf of taxpayers since Treasury pumped $187 billion of taxpayer dollars into the two companies over the last five years.In line with this mandate, FHFA has aggressively pursued repurchase claims made by Fannie Mae and Freddie Mac to recoup GSE losses on bad loans sold to them by financial institutions in the private sector in the run-up to the housing crash. After a review of loans purchased by the GSEs during the 2005-2007 timeframe, FHFA determined the loans had different and more risky characteristics than was relayed in the marketing and sales materials used to sell the securities to the enterprises.FHFA said the complaints filed in 2011 reflected its conclusion that some portion of the losses Fannie Mae and Freddie Mac incurred on these private-label mortgage-backed securities were attributable to misrepresentations and other improper actions by the firms and individuals named as defendants.center_img FHFA’s 2013 Settlements Total Nearly $8B Sharelast_img read more

first_imgSo through the night rode Paul Revere; And so through the night went his cry of alarm To every Middlesex village and farm,— A cry of defiance, and not of fear, A voice in the darkness, a knock at the door, And a word that shall echo for evermore! For, borne on the night-wind of the Past, Through all our history, to the last, In the hour of darkness and peril and need, The people will waken and listen to hear The hurrying hoof-beats of that steed, And the midnight message of Paul Revere.–Henry Wadsworth Longfellow How would history be different if, when Paul Revere rode through every Middlesex village and farm yelling, “The British are coming, the British are coming!” if all of his friends and neighbors called him an alarmist, a warmonger, or a guy just trying to hawk sales for his ammunition company? What if they all said, “Go back to bed. He’s just another guy trying to peddle his product.” In my book Retirement Reboot, I shouted an equally serious warning: “Inflation is coming! Inflation is coming!” I’ve been trying to warn my friends and neighbors to take precautions and defend themselves. But I’ve been frustrated, feeling like I’m doing a poor job. Why don’t they seem to see the danger that I see so clearly? When the first issue of Miller’s Money Forever hit the web, I was at my summer home in Illinois. While I’m in the Midwest, I have a regular Tuesday breakfast with the ROMEO (Retired Old Men Eating Out) club, and my new project was quickly distributed among my friends. Less than two weeks later, an email hit my inbox that was originally from a neighbor across the street. I had never spoken to this neighbor before, but I would casually wave “hello” when he drove by in his new Mercedes. The message was a copy of an email my neighbor had sent to my ROMEO friends, but not to me. Apparently he had shown my material to his money manager, and he proceeded to blister me with harsh remarks. He thought I was just another fearmonger, trying to sell fear to hawk our product. Of course it bothered me, and my first inclination was to defend my motives. To his credit, within a week of distributing that email, I got a very kind, sincere apology from him. He said that his email was inappropriate, and he certainly would not want anyone doing something like that to him. I never did get the whole story. I suspect that some of my ROMEO friends who know me well might have spoken with him. To this day he and I have exchanged a couple of emails, but we have never spoken. He does have a good reputation in the neighborhood. My real concern today, however, is not a spat with my neighbor. Rather, it’s the very personal effect his scathing email had on me. God forbid anyone call me a fearmonger! I found myself writing a bit more timidly, toning down my language and tempering my opinions. Instead of using words like “hyperinflation” – a problem I am damn concerned about – I wrote “inflation or possibly even high inflation.” I wonder what would have happened if Paul Revere had said: “Sorry to wake you. You know the British are a tad peeved about us throwing their tea in the pond. We see some ship movement in the harbor; not sure what it is. I just wanted to share this with you. Oh yeah, I also wanted to mention, we cast musket balls down at the shop.” I will confess: for the last several months, I’ve been tiptoeing around a huge issue facing seniors and savers. I have skirted the issue, only focusing on part of the problem.Why Ask Why? The Federal Reserve recently announced that it is going to continue to clamp down on interest rates until at least 2015. I have been warning folks of the effects this will have on retirement plans for some time. The most recent data from the US Census Bureau indicate that a person with a total net worth of $856,000 (including their home) is in the top 7% of the population. If you estimate that home is worth $356,000, the person would have a portfolio to invest of $500,000. In 2007, before the government decided to clamp down on interest rates, you could invest that money in 6% CDs and earn $30,000 in interest. For decades almost all financial planning tools used 6% as a retirement benchmark. Now, the best rate for a 5-year CD is 1.2% interest. The same CDs would earn $6,000 in interest. The interest does not even cover the government-reported 2% inflation. Add that $6,000 to your Social Security check and that is what you have to live on… if you’re in the top 7% in net worth. I shudder to think about the other 93%. For an investor to earn that same $30,000 today, he would have to have $2,500,000 in CDs; that would likely put him in the top 1% of the population. While I want to stick to the facts, I was beating around the bush when it came to the inflation figure. In the vernacular of my grandchildren, “Grandpa’s copping out!” At the risk of being called a fearmonger, I want to share some additional data with you – data everyone needs to see and understand. If you think I’m a fearmonger, I’m sorry. Take a look and decide for yourself.That Lurking Feeling For the last year or so, I’ve had a very uncomfortable feeling. The stock market has rebounded from the 2008 crash, the government is reassuring us that inflation is under control, and my brokerage account is doing fine. Where is this feeling coming from? Let me start by explaining how government policy has affected the value of your personal retirement savings. Since 2002, the S&P 500 Index – a basket of stocks that Wall Street folks use as a proxy to tell you how most people’s mutual funds are doing – is up a hefty 60% after recovering from 2008 losses. It’s not a pretty picture, but 60% gains over a decade aren’t awful. And most folks have recovered their losses, right? Then how come things just don’t feel that good? You all know what I’m talking about: despite the headlines about record highs for stocks, your savings probably feel much more paltry now than they did 10 years ago. I know mine do. That’s because inflation is running rampant. Surely you’ve read that inflation is only 2%. But anyone who fills up their tank with gas, buys a loaf of bread, or tries to finish their Christmas shopping knows that is complete baloney. You know it the same way you know that 8% unemployment is not even close to the real level. The simple, inconvenient truth that everyone knows is this: the government manipulates the statistics it publishes for its own interests. But the cost of this manipulation is affecting us all, right now. Thankfully, a really brilliant statistician named John Williams has made it his personal crusade to keep all of us informed. At Shadow Government Statistics, Williams digs into the raw data published by banks, universities, and government agencies and applies time-tested formulas that the government once used to report all this data to track the real rate of inflation, unemployment, and other key economic indicators. I’ve been a Shadow Government Statistics subscriber for quite some time, and each new report I read confirms the conflict between the government-reported data and the truth. Williams is constantly warning that hyperinflation is on the horizon, and he gives some doggone good reasons why. At the risk of being called a fearmonger, this data should be a wake-up call to everyone. If Williams is right and hyperinflation becomes a reality, there will be so much panicked selling throughout the world that nearly everyone with even a modest portfolio will take a terrible hit before they have time to react. Our stocks, in real dollars – or “purchasing power parity” (PPP), to dip into economist-speak – are actually worth 40% less than they were 10 years ago. If you adjust the value of the S&P 500 using your ability to buy real goods like food, then the picture is a lot less pretty. That blue line up there: that’s the value of your portfolio over the past ten years if you’ve been following Wall Street’s prescription. According to the government’s official inflation statistics, it’s the red line, which shows the increases in the S&P 500 adjusted by the government-published inflation figures. Oh, and the green line? That is the real value of your portfolio when you adjust for a more realistic rate of inflation. It’s no wonder that so many folks feel uncomfortable. The government estimates for inflation are a joke. It’s easy to overlook that when you don’t see the impact on your monthly statements – that’s what the government is banking on. But in reality, it’s costing you a chance at achieving your retirement dreams. In a paper on wealth trends published earlier this year, New York University professor Edward N. Wolff wrote: ” Between 2007 and 2010, median wealth plunged by a staggering 47 percent! Indeed, median wealth was actually lower in 2010 than in 1969 (in real terms).” When the first TARP bill was passed to bail out the banks, polls showed that 90% of Americans opposed it, but the government did it anyway. Everyone knew it was wrong, but it still happened. Now we have QE programs ad infinitum. We were told that these bailouts would solve our problems, but things continue to get worse. So if all this quantitative easing is making us poorer, why does the government lie about it? It does so because it is in its own best interest; the federal government has much to lose if the population learns the truth. Think back to the Tea Party Taxpayer March on Washington, DC, when a few hundred thousand people from all over the country marched on Washington. Some participants used “T.E.A.” to stand for “Taxed Enough Already!” It was a peaceful tax revolt, but both political parties and the media set out to destroy the message and credibility. “The Tea Party” now has the distinction of being the most negative phrase in US politics. God forbid that anyone revolt against taxes. I can just hear the politicians chuckling to themselves: “The last time the bloody people had a tax revolt they fired the king, threw out the entire government, and had the silly notion to govern themselves. When are they going to learn they are better off with government controlling every aspect of their lives? If we lie to them, it is for their own good.” The government doesn’t manipulate these numbers to suppress the value of your stocks. Wealthy politicians (the average net worth of a congressman is $7.3 million) suffer just as much when that happens, which is why they rush to prop up the market every chance they get. Despite popular belief, they don’t do it just to paint a rosier picture in order to help their chances of reelection. Sure, that’s part of it, but it’s not the biggest part. Mostly, they do it to continue fueling their spending binges… at the expense of your retirement. That spending, of course, has no other purpose than to get politicians reelected and to keep their massive corporate donors happy. The surest vote is the one you buy. Most politicians don’t think about things far enough ahead to be concerned about their constituents’ retirement goals and plans.The Disastrous, Long-Reaching Consequences When the value of the dollar goes down faster than the government-published inflation rate, it’s not just the value of stocks that go down. The value of your Social Security and Medicare benefits drop, too. Remember, our Social Security check is supposed to be indexed to inflation. I recently read that preliminary figures predict a 1-2% annual benefit increase in 2013, the lowest since automatic adjustments were adopted in 1975. If you receive Social Security, you also know that what the government giveth, it may also taketh away. It’s no surprise that the bureaucrats in charge didn’t announce next year’s increase in deduction amounts for Medicare and drug coverage taken out of your Social Security check before the election. The most recent news I read on the subject is pretty clear:“How much will Medicare Part B premiums be in 2013? “Most people will pay $104.90 per month for Medicare Part B premiums, which is a $5 monthly increase from 2012’s premiums. But high earners will pay more, as they have since 2007.” Now in the lowest bracket, that’s only a $5/month increase. Those folks were paying $99.90 in 2012. That’s about a 5% increase, more than double the so-called inflation rate that sets the increase in benefits. Savers who have managed to build up a nest egg will note that their increase is much more significant. I asked our research team to build a graph to show the effects of inflation on our Social Security check. It’s a little scary. Officially, theoretically, your Social Security checks keep up with inflation. I got my first Social Security check in 2002. To keep the math simple, imagine it was $1,000. Today, that check would be $1,270, due to the automatic cost of living adjustment (blue line). The red line represents the “official” cost of living inflation numbers as reported by the government. The $1,270, according to the government’s “official” statistics, will buy the same amount of goods that $1,000 did in 2002. The green line uses the Shadow Government Statistics inflation numbers and factors in the government increases. Even with the government’s automatic cost of living adjustments, my $1,000 check would only buy $477 worth of goods today. Ouch!John Mauldin recently interviewed David Krone, chief of staff for the Senate Majority Leader Harry Reid, and Rob Lehman, chief of staff for Senator Rob Portman. As they discussed current interest rates, Lehman remarked: “A 1% increase in the rate of interest adds $130 billion to the deficit.” Krone added that he “saw no problem with interest rates going lower; perhaps we should even charge people for holding their money for them.” The result of QE, QEII, QEIII, TARP, TALF, and all the other alphabet-soup policy changes of the last few years has already reduced the real value of your retirement savings by 40%. And it has already reduced your real Social Security benefits by about 52.3%. What does that mean for retirees? Well, investment income from safe, interest-bearing investments is going to stay in the tank for at least the next decade. In the meantime, the cost of living is skyrocketing as the government keeps the printing press on high. Despite government promises, our Social Security checks are not going to keep up with true inflation, and our nest eggs are at risk. This is the investment challenge retirees are facing. I don’t need to use the word “hyperinflation” to make my point – just some historical data from the last decade. I suspect that Paul Revere might have had a few folks pretty upset when he woke them up in the middle of the night. Today, as a relatively free American, I’d like to thank him.Turn on the Night-light There you have it! I have expressed my concerns, and they are based on real facts. Question my motives if you want, but know that I didn’t ask for this job. I took it on as a personal challenge to help others in my peer group: retirees, seniors, and savers just trying to survive. What would Paul Revere have said about his motives? He likely would have said that he simply wanted his friends to wake up! The danger is imminent, and we need to take precautions to defend ourselves. Only this time, it is not the British: it is our own federal government. If you agree with me, take the necessary precautions. If you have already done so, good for you! Stay diligent. If you don’t agree with me, please roll over and go back to sleep.On the Lighter Side As this is our last issue before Christmas, I want to share a couple of quick thoughts. First, thank you to all of our readers. This has been one of the most exciting years of my life. Our subscriber growth and feedback has been terrific, and I want everyone to know just how much I appreciate it. Today’s article is from my heart. We are in this together, and I want to help all seniors and savers survive and thrive. And finally… Every Tuesday we have a conference call with the core players on our team: Alex, Ann, David, Lee, Vedran, and me. They asked me to convey on behalf of the entire team, our wish that everyone enjoy a wonderful holiday season in whatever manner you and your family choose to celebrate. It is “Merry Christmas” in the Miller household. We will be feeding 17, with the first grandson arriving on the 20th and the entire family departing the 28th. Grandma Jo has the freezer stocked with cookies and fudge; she can’t buy a turkey until the last minute because there is no room left for one. There is nothing better than being a grandpa surrounded by loving family. Until next week…last_img read more

first_img Skyharbour Resources Ltd. (TSX.V: SYH) owns a 100% interest in approximately 400,000 acres of land between seven uranium properties in the uranium rich Athabasca Basin region in northern Saskatchewan. Six of the properties consisting of approximately 388,000 acres of prospective ground are strategically located near the Alpha Minerals (TSX.V: AMW) and Fission Energy (TSX.V: FIS) Patterson Lake South (PLS) uranium discovery area. The properties were acquired for their proximity to the PLS discovery and interpreted favourable geology for the occurrence of PLS style uranium mineralization. Skyharbour’s land position is now one of the largest in the Patterson Lake area. The Athabasca Basin hosts the world’s largest and richest high-grade uranium deposits accounting for approximately 20% of global primary uranium supply. There are still areas in the region that are highly prospective and underexplored as illustrated by the new 49.5 metres of 6.26% U3O8 discovery at the Patterson Lake South property. Please visit our website for more information. The dollar index closed at 82.47 on Friday…and gapped down a bit at the Sunday night open in New York…and then kept heading lower from there.  The low tick [82.05] came minutes after 8:00 a.m. in New York…and the subsequent 25 basis point rally ended at noon…and that gain had all but disappeared by the close.  The index finished the Monday session at 82.14…down 33 basis points from Friday’s close. Here’s the New York Spot Silver [Bid] chart on its own, so you can observe the New York action…the only price action that really matters…more closely. (Click on image to enlarge) The CME’s Daily Delivery Report, not surprisingly, showed that there were no more deliveries scheduled for the month of April…but they did report the First Notice Day numbers for delivery into the May silver contract very late last night EDT…and they were quite amazing. In gold, there were 1,288 contracts posted for delivery on May 1st, with all but six of them being issued by JPMorgan Chase…1,116 out of its client account…and the other 166 out of its in-house [proprietary] trading account.  The only two long/stoppers of note were Canada’s Bank of Nova Scotia with 973 contracts…and Barclays with 287. In silver, of the 1,506 contracts posted for delivery tomorrow, the only short/issuer worth mentioning was JPMorgan Chase with 1,484 contracts out of its in-house [proprietary] trading account.  The biggest long/stopper was JPMorgan in its client account, with 573 contracts.  The next three long/stoppers in order of size were Canada’s Bank of Nova Scotia, Credit Suisse and Merrill…with 233, 208 and 153 contracts respectively.  There were a couple of dozen long/stoppers in all…and yesterday’s Issuers and Stoppers Report is definitely worth a minute of your time.  The link is here.  Even though the gold price has rebounded smartly off its low of a week ago Tuesday morning Hong Kong time, the metal itself still continues to depart GLD for parts unknown.  On Monday an authorized participant withdrew 77,367 troy ounces.  This should not be the case at all…as gold should be flowing into GLD.  Over at SLV, they reported their third deposit by an authorized participant in as many days. This time it was 482,931 troy ounces. The U.S. Mint had another sales report yesterday.  They sold 1,000 ounces of gold eagles…and 1,000 one-ounce 24K gold buffaloes.  I expected more…much more.  After three days of no silver eagles sales, they finally reported selling 743,500 of them.  I will be very interested to see if they have a sales report today that shoves April silver eagles sales over the four million mark.  With one day short of a third of the 2013 calendar year under our collective belts, silver eagles sales sit at 18,198,500.  That’s a lot! Over at the Comex-approved depositories on Friday, they reported receiving 598,743 troy ounces of silver…and shipped 686,718 troy ounces of the stuff out the door.  The link to that activity is here. In gold on Friday, the Comex-approved depositories reported receiving 49,194 troy ounces of the stuff…and shipped 66,885 troy ounces out the door.  All the activity was at Scotia Mocatta…and the link to that is here. I thought that Monday might be a little quieter at the store, but it certainly didn’t turn out that way, as we had another huge sales day…almost all of it in silver.  Since the engineered price decline of two weeks ago…and except for a couple of stand-out days…silver has outsold gold about 200 to 1…minimum. There have been no changes in delivery…but because of a personal relationship, our store has been able to order a bit of stock from one our wholesalers…but nothing like we’d like to order if given half a chance. I read Ted Butler’s weekend commentary with great interest…and have permission to reprint the last two paragraphs from it.  Here they are… I am taken aback by the growing pervasiveness, more on the Internet, but also in the mainstream media of stories about silver having to do with the COMEX, short positions, manipulation, the COTs and how JPMorgan is the big silver short. Please try to understand how other-worldly this all is to me. I’m not trying to pat myself on the back in having introduced all these things (and others); I’m trying to convey that the ascension of these issues to the forefront seems to me to automatically increase the likelihood that the end of the silver manipulation is drawing near. After all, at some point, the whole scam must unravel once we pass the critical mass of public awareness. It is this growing awareness of the real issues in silver that has me both thunderstruck and more encouraged than ever before about silver’s investment prospects. We have a wildly bullish COT structure in silver and gold combined with what could be a nuclear fire emerging in silver physical demand. I don’t recall such a similar bullish price set up. JPMorgan is still a manipulative force to reckon with, but the growing spotlight on this crooked bank and the crooked exchange on which the price of silver is set, is bright…and this doesn’t bode well for the crooks. – Silver analyst Ted Butler…27 April 2013 Here’s your “cute quota” for the day… The gold stocks gapped up about 3 percent at the open…and then got sold off into that early London p.m. gold fix which I had mentioned a few paragraphs back.  The high for the gold stocks came at 11:00 a.m. Eastern Daylight Time…and then slid in fits and starts into the close.  The HUI finished the day up 1.62%. All four of them would have broken out to the upside if given the opportunity to do so. It was a pretty unexciting Monday in the gold market.  Prices chopped higher, with the high tick of the day coming moments before the 8:20 a.m. Comex open…and from there it got sold down to its New York low at the London p.m. gold fix.  From there it chopped higher into the 5:15 p.m. electronic close.  Gold’s high tick came in late electronic trading…and was recorded by Kitco as $1,477.80 spot.  The low at the p.m. fix was $1,462.50 spot. Gold close yesterday at $1,476.50 spot…up $13.60 on the day.  Gross volume was not overly heavy at around 144,000 contracts. Both platinum and palladium did pretty well for themselves…but it was obvious, at least to me, that there was a willing seller there to keep things under control less their respective prices rose to fast. The platinum chart for both Monday and Friday appear too similar to be a coincidence, but maybe it’s just me [once again] looking for black bears in dark rooms that aren’t there. Here are the charts for both…and you can decide for yourself. Sponsor Advertisement It was more or less the same story in silver, except for the fact that there was a surprise rally late in the electronic trading session, which got capped before it could get too far above the $24.60 spot mark…and from there it traded sideways into the close.  Silver’s high tick was $24.71 spot in electronic trading…its New York low was at what appeared to be an early London p.m. gold fix…and that was recorded as $24.01 spot. Silver closed at $24.59 spot…up 55 cents the ounce from Friday’s close.  Net volume was pretty chunky at 44,000 contracts…with more than half of that coming in the new front month, which is July. The silver stocks didn’t do quite as well as the gold stocks…and I’m sure part of that reason had to do with the fact that the big price surge in silver came after the close of the equity markets in New York.  Nick Laird’s Intraday Silver Sentiment Index closed up 0.74%. Since it’s Tuesday, I have a quite a few more stories than normal…and I hope you can find the time to read the ones that interest you the most. There are no market anymore…only interventions. – Chris Powell, GATA It was a very uneventful Monday in the precious metals…and they were kept quietly under control during the New York session.  All four of them would have broken out to the upside if given the opportunity to do so, which they weren’t.  With today being the last trading day of April, I’m not expecting big fireworks as far as the price is concerned, but you just never know. Today, at the close of Comex trading, is also the cut-off for this Friday’s Commitment of Traders Report. I don’t have much to add to what I’ve already said in the first section of today’s column…and the stories in today’s column should keep you off the streets for a while. I note that both gold and silver came under some selling pressure during the Far East trading session on their Tuesday…with the biggest percentage move down coming in silver, of course.  Lows were set in all four precious metals shortly after 2:00 p.m. Hong Kong time…but rallied back sharply about an hour into the London trading day.  Ted Butler says that most trading activity these days is of the high-frequency variety…and there’s no real liquidity in these markets, so ‘day boyz’ can do pretty much what they want with prices. Both gold and silver are still below their Monday closing prices as I hit the ‘send’ button on today’s column at 5:10 a.m. Eastern time…and platinum and palladium prices are unchanged.  Volumes are quite a bit higher than ‘normal’…and virtually all of silver’s volume is in the new front month, which is July.  The dollar index isn’t doing much. Just a quick reminder that TODAY at 2 p.m. EDT, Casey Research be premiering our Internationalizing Your Assets video event, with Doug Casey, Peter Schiff, Mike Maloney, and other experts on expatriating your wealth. If you have any interest at all on how to protect what’s rightfully yours from increasingly belligerent and overreaching governments, I urge you to register now for this free event, and learn for yourself how this fast-moving field is changing and why now may be one of the last chances you have to get started. Enjoy what’s left of your day…and I’ll see you here tomorrow.last_img read more

——————————————————— Note This speech has been tra

first_img———————————————————Note: This speech has been translated and edited by the members of the True Peace magazine team and published in October 2014 issue. Click here to get your own free copy of this magazine.——————————————————— September is the harvest month. At this providential harvest time, our responsibility is to witness—to find the many ripened, prepared grains. Hence, you should boldly let people know about True Parents. Have you seen the recent popular movie, “Myeongryang”? The world has no owner. The people’s hearts feel empty as a result. The leaders in those days were not able to truly lead the people and help them.That is why when Lee Sun-shin stood on the frontline in that difficult environment, with the heart to serve the people, the people united. This changed Korea’s fate. What do you think would have happened if Lee Sun-shin had not been there at that time?Even though this age has many great people, people are still waiting for a true owner. What position are you in? You are family members that have received True Parents’ blessing. You must inform people about True Parents. You should inform them, so that they become aware of True Parents. Do not be afraid! If you become one with True Parents, you can overcome and resolve all problems. Should a person that knows about this simply remain dormant? You should take the lead to witness and educate people! Father always said that there is no perfection in ignorance. Hence, you should let people know. Now is the time when you should boldly advance. Do not fear better established religious groups.I called members of the Youth Federation and CARP here today. You have come at the right time. Remember that many prepared lives are waiting for your voice and touch. Challenge yourselves and meet these people! It is not incorrect to say that the history of our Unification Church started from CARP. The standard of our Unification Church is high. When conveying the word, you are people that can digest anything. Hence, move forward with confidence! My hopes for you are high.In December, I plan to conduct a forty-day witnessing course for CARP and Youth Federation members in Las Vegas. I want to teach them to be leaders of a global standard. To become such a leader, not only is it important to connect through the heart, but one should be able to communicate through language too.Korea is the fatherland of our faith, True Parents’ fatherland. What does that imply? We must be able to embrace many brothers and sisters. The countries that stood at the frontline of missionary work… Korea was a bit weak. Those countries included Japan, America and Europe, Germany in particular.Leaders in Korea were not fully capable of thinking about the world and the future; as a result, they have not been able to raise successors. Time does not wait for us. It actually feels a bit late. Are you then going to give up because of that? We must make it possible! Most leaders are in their sixties and seventies. Yet, did they raise successors?Even though each of the providential organizations carries different responsibilities, I hope that they become one with the headquarters and work together in the same direction to bring about greater results. Since results are important, do not assert what is yours alone, but join hands and make greater results. The message I have given you this time is about this: Forgive, love and unite!This is the true love “flu” of this age given to you by True Parents. I hope this spreads to the nation and moves on to all of Asia and the entire world and that you yield results from such a foundation…. When one catches the flu, one must try hard to recover from it. Isn’t that right? The true love flu! I hope that providential organizations and groups often collaborate and communicate with one another and bring about greater success.A few days ago, the pope paid a visit to Korea and it became quite an issue. However, what came from his visit? He has left. The work that we do, however, is to save people. What else is greater than this, that we should be grateful for? Instead, you should be afraid of sleeping. Father tried not to sleep.You said you would become devoted children and patriots. If that’s the case, shouldn’t you take after True Parents? Please become sons and daughters that resemble True Parents and realize their hopes. This is the only way to give blessings to our descendants in the future.These days, I have been thinking a lot about indemnity. What can be done to establish a future without indemnity? You must do well. In other words, please do not put off your responsibilities. Just as I did, you should be able to say, “Follow in my footsteps!” Do you understand?Only by doing so can a new era be formed through you. The Cheon Il Guk era, the kingdom of heaven on earth, the kingdom of heaven through you… Of course doors opened through True Parents, but how extensively we build a good environment depends on you. Isn’t that right? Being in the position of children, you have responsibilities. Now! This is harvest season. Make great determination, pledge to Heaven every day that you will bring great result and live a life of practice! True Mother gave this message following hoondokhae on 8.8 on the heavenly calendar (September 1) in Cheon Jeong Gung.last_img read more

Disabled people should prepare themselves for more

first_imgDisabled people should prepare themselves for more cuts and further attacks on their rights over the next five years disabled campaigners have warned in the wake of this week’s Queen’s speech.The speech, which laid out plans for what the prime minister called a “one nation government”, confirmed his party’s pledge to introduce further sweeping cuts to benefits spending.It also suggested that plans to scrap the Human Rights Act (HRA) would be postponed, but not abandoned.Among the bills referred to by the Queen, who delivers the speech every year on behalf of the prime minister at the state opening of parliament, was a full employment and welfare benefits bill.This will freeze most working-age benefits in 2016-17 and 2017-18 across England, Scotland and Wales (including all but the support group top-up element of employment and support allowance (ESA)), although claimants of personal independence payment (PIP) and disability living allowance (DLA) will be exempted.The bill will also lower the cap on total benefits for non-working families to £23,000 a year, although households which include someone claiming PIP or DLA will be protected.David Cameron, the prime minister, said the social security reforms would “incentivise work”, so that people were “always better off after a day at the office or factory than they would have been sitting at home”.He said the cuts were “true social justice”, turning “the welfare system into a lifeline, not a way of life”, and “not handing people benefit cheque after benefit cheque with no end in sight”.But Disabled People Against Cuts (DPAC) said there was “nothing in the Queen’s speech for disabled people”.Anita Bellows, a DPAC spokeswoman, said: “Although the government has tried for the past five years to increase the number of disabled people into work, through various schemes or punitive cuts, caps and sanctions, the reality is the employment gap between disabled and non-disabled people has not narrowed.“The government is now using a freeze to cut further benefits which support disabled people who cannot work, like ESA, and a benefit cap which is likely to push into crisis households who are now just managing to make ends meet.”She added: “A government which financially punishes the poorest is not a ‘one nation government’.”Bill Scott, director of policy for Inclusion Scotland, said: “Even though most of the cuts are not to ‘disability’ benefits, the cuts to child benefit, jobseeker’s allowance, tax credits, etc, will impact disproportionately on disabled people because they are more reliant on benefits for some or all of their income and of course twice as many disabled people claim ESA as claim DLA – and ESA is not being protected from the cuts.”Scott pointed out that the cuts announced through the Queen’s speech would only “save” about £1 billion a year, while the Conservatives pledged in their general election manifesto to cut £12 billion from the social security bill.He said there was presumably another £11 billion in cuts still to be announced, probably in George Osborne’s budget on 8 July.Scott said: “I fear that for disabled people the worst is yet to come.”Disability Rights UK said that the government’s promise of two million new jobs was “a bold promise”, while the Conservative election manifesto aim to halve the disability employment gap – and therefore create one million more jobs for disabled people – was “a worthy aspiration”.But it said the government’s proposed measures “seem drawn from the view that people are on welfare because of the level of benefits, when it is more often the lack of adequate or effective employment support”, and appear to offer “a crock of gold but no rainbow to get them there”.Disability Rights UK called on the government to introduce a national work experience programme for young disabled people, toughen legislation so people do not lose their jobs so easily “simply because they have acquired a disability”, improve the Access to Work scheme, and allow disabled jobseekers a personal budget so they can commission their own back-to-work support.It added: “On benefits, the government still hasn’t explained where £12 billion of cuts will fall and so we await the budget for the necessary detail.“In advance of that, we call on the government to recognise that disabled people will only be able to reach our full potential as equal citizens if our support needs are met and we can achieve independent living.”Kaliya Franklin, co-development lead for People First England (PFE), said her organisation was “relieved” that the government had not yet suggested introducing means-testing or taxing DLA and PIP.But she said: “However, we are concerned that the further freeze in working-age benefits will particularly impact those disabled people in poorly-paid, part-time work, and for many make the difference between just about surviving and no longer being able to afford the essentials of daily living.“Should inflation rise as predicted over the next few years then this restriction will have a rapid and disproportionate effect on the poorest in society, many of whom are the ‘hard-working strivers’ so apparently beloved by politicians.”John McArdle, co-founder of Black Triangle, said there was no mention in the Queen’s speech of where most of the planned £12 billion in cuts to social security spending would fall.He said: “A lot of disabled people are going to be feeling very apprehensive about the future.”He also said it was “disappointing” to see Labour’s interim leader, Harriet Harman, supporting reductions in the benefit cap, in her response to the Queen’s speech.McArdle said: “The Child Poverty Action Group has said this will plunge more children into poverty. Many of them will be from disabled families.“If we have any hope in Scotland, that is the hope that significant further welfare powers will be devolved.“We look to the SNP contingent in parliament to fight against the cuts tooth-and-nail on a moral basis affecting everybody throughout the UK, as Labour seems to have abandoned any pretence of providing a proper opposition to welfare reform.”There was significant media interest in the reference in the Queen’s speech to a new British bill of rights, particularly the failure to announce that a bill would be put forward this session.The government said only that it would “bring forward proposals”, with reports suggesting that justice secretary Michael Gove would consult on those plans before publishing any new legislation.When asked about the government’s proposals, a Ministry of Justice spokesman said only that ministers would be “discussing their plans on this and making announcements in due course”.When asked whether this meant there would be a consultation on the government’s proposals, and no bill in the current session of parliament, he refused to comment further.Elsewhere in the Queen’s speech, there were concerns about the possible impact of a new enterprise bill, which promises to extend the government’s “ambitious target for cutting red tape to cover the activities of more regulators”, and ensure that regulators “design and deliver services and policies to best suit the needs of business”.Sir Bert Massie, the former chair of the Disability Rights Commission, warned that although deregulation can sound good it “can result in lower standards that exclude disabled people”, for example with standards for accessible homes.There was some support for parts of a new policing and criminal justice bill, which will reform laws on detaining people under the Mental Health Act, banning the use of police cells as “places of safety” for those under 18, and reducing their use for adults.Franklin welcomed the plan to ban the use of police cells for under-18s, but said PFE would like to see it extended to include adults with learning difficulties or autism.She also stressed the importance of human rights legislation to disabled people.She said PFE had lobbied the former attorney general Dominic Grieve on this issue at last year’s Conservative party conference.She said: “As disabled people, we are particularly mindful that the HRA is a vital protection from abuse of state powers.“There are still approximately 3,000 adults with learning disabilities and/or autism being held in the care of the state at huge expense to the taxpayer and frequently experiencing the kind of ‘treatment’ most lay people would describe as torture.”Peter Beresford, co-chair of the national service-user network Shaping Our Lives and professor of social policy at Brunel University, said: “To make sense of the Queen’s speech for disabled people and other social care service-users, we have to keep this government’s concerns in the front of our mind.“They are committed to regressive redistribution, and reduced public services, and financial and social support to citizens.“There is an overall direction of travel here, whether we are talking about the loss of already inadequate social housing through ‘right to buy’ or the increased availability of free child care to all, including people on high incomes, for all the talk of targeting welfare.“They are committed to a further term after this and want to redirect resources to those who will vote for them, thinking mistakenly mostly that it will serve their interests.“Disabled people, mental health service-users, many older people and people with learning difficulties aren’t the constituency they need or care about. So things will get far worse in my view than many people even now expect.”last_img read more

Damning new evidence suggests that senior figures

first_imgDamning new evidence suggests that senior figures in the Department for Work and Pensions (DWP) covered up a coroner’s warning about the grave dangers posed by a new disability assessment.Disability News Service (DNS) has seen a series of letters that suggest the department was given all the information it needed to carry out an urgent review of the safety of aspects of the work capability assessment (WCA) in 2010.But that review – ordered by coroner Tom Osborne through a process known as a Rule 43 letter – appears never to have been carried out.Osborne wrote to the department on 30 March 2010 – originally addressing his concerns to Labour work and pensions secretary Yvette Cooper – just a few days before the start of the general election campaign.His letter followed an inquest he had carried out into the death of 41-year-old Stephen Carre (pictured), from Eaton Bray, Bedfordshire, who had taken his own life in January 2010*.On 4 May, Osborne received an initial response from the DWP’s most senior civil servant, its permanent secretary, Sir Leigh Lewis.When DNS first revealed the existence of the Rule 43 letter last month, DWP claimed in a statement that it had responded to the coroner on 4 May 2010.But DNS has now seen the 4 May letter, and it merely outlines departmental procedures on the WCA, provides brief details from Stephen Carre’s assessment, and asks the coroner for medical information about the case.Sir Leigh promises that this further information will allow him to “complete our investigation and review our existing procedures, as you have asked, to determine the need for any changes to our current medical evidence gathering process”.Three further letters written by the coroner show that he provided the information requested by Sir Leigh, but never received a response from DWP to his Rule 43 report.On 12 May 2010, Osborne advised Sir Leigh that DWP did not need to investigate the circumstances surrounding Stephen Carre’s death, as that had already taken place at the inquest.He said DWP needed instead to look at the “use of medical evidence when determining entitlement of benefit of those patients who are suffering from a psychiatric illness”, but he still offered to send Sir Leigh a transcript of the inquest evidence.On 3 August, Osborne sent him the inquest transcript, apparently in response to a request from the department.Two months later, on 6 October 2010, Osborne wrote to Peter Carre, Stephen’s father, to tell him that he had yet to receive a “substantive response” to his Rule 43 letter, and promising to contact him if he did.Peter Carre did not hear from the coroner again until after he was contacted by DNS last month, more than five years after Osborne’s last letter.Carre told DNS that he believed the lives of other people with mental health conditions like his son could have been saved if DWP had acted on the coroner’s Rule 43 letter in 2010.He said Osborne told him in 2010 that DWP should have replied to the Rule 43 letter, but there was nothing he could do if they failed to do so.Carre said: “It was an opportunity to do something, and it was missed. They should be held accountable for their action, or lack of it.“That would be the one thing I would say: that the people who were there and are still there should still be accountable for their lack of action.”The letters are important because at the time they were being exchanged, the newly-appointed Conservative work and pensions secretary, Iain Duncan Smith, and his employment minister Chris Grayling, were finalising plans to roll out the WCA the following year to hundreds of thousands of existing claimants of incapacity benefit (IB), many of them with mental health conditions.And in the summer of 2010, Grayling appointed Professor Malcolm Harrington to carry out an independent review of the “fairness and effectiveness” of the WCA, and later told him that he wanted to go ahead with plans to roll out the assessment, despite Harrington suggesting that this should be delayed by a year.Harrington has told DNS that he believes he was never shown the coroner’s Rule 43 letter.More than three years later, another coroner wrote an almost identical letter warning of similar concerns about the safety of the WCA, this time after the death of a north London man, Michael O’Sullivan, who also took his own life after being found fit for work after a WCA.Last month, new research concluded that the programme to reassess people claiming IB using the WCA could have caused 590 suicides in just three years.And last week, a former government adviser told DNS how ministers and civil servants were “ruthless” and “reckless” in forcing through their new “fitness for work” test and refusing to abandon it even after they were told of the harm it was causing.Even before the emergence of the latest letters, disabled activists had called for Duncan Smith and Grayling to face a criminal investigation over the alleged cover-up.This week, more than five weeks after the existence of the Rule 43 letter was first brought to DWP’s attention, a spokeswoman for the department said in response to a series of questions from DNS that “because this issue happened more than five years ago we simply don’t have access to the information you’re seeking”.  She added: “Therefore, I think the best route for your line of inquiry is an FOI [request under the Freedom of Information Act]. And we’ll be happy to provide a formal statement once that FOI process is complete.”*Osborne ruled that the trigger for Stephen Carre’s suicide had been DWP’s rejection of his appeal against being found “fit for work”, and he called in his Rule 43 letter for a review of the policy not to seek medical evidence from a GP or psychiatrist if the claimant has a mental health condition. Neither the Atos assessor who assessed Carre, nor the DWP decision-maker who subsequently decided that he was fit for work and therefore ineligible for the new employment and support allowance, had sought information from his GP, his community psychiatric nurse or his psychiatrist.last_img read more

first_img 10 min read This story originally appeared on Business Insider Steve Kovach June 5, 2017 Image credit: Samantha Lee/Business Insider iPad sales have been declining since 2013. Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. –shares The iPad Was Supposed to Revolutionize News, Books and Computers. So What Happened? Add to Queue A few months after Steve Jobs introduced the iPad to the world, a device he called “magical and revolutionary” onstage, there was a team visiting Apple headquarters working to find ways to live up to that description. When the tablet came out in 2010, some people weren’t sure what to use it for. Apple had to demonstrate how you could lean back on a couch and read or watch a show, in a way that didn’t make sense on a laptop or a phone.This team was scrambling to create something brand new for the iPad ahead of a splashy launch in New York. But the team didn’t work for Apple; they worked for Rupert Murdoch’s News Corp., and under the close watch of Jobs and Apple’s iPad team, they were trying to create the first newspaper designed specifically for a tablet.The app would be called The Daily, and it looked like a tabloid come to life, with animated graphics and videos.”There were regular visits to Cupertino where we showed them new prototypes,” Jon Dobrowolski, who worked on The Daily as the head of product, said in an interview with Business Insider. “They would help us work through complex problems. We were doing things that hadn’t pushed the iPad that far.”It was clear Apple wanted The Daily to be a success as much as News Corp did. Jobs provided feedback on early versions of the app. There was a sense within News Corp. that Jobs would’ve been even more involved with the project if his health hadn’t started to seriously decline around the same time The Daily was gearing up to launch, Dobrowolski said.It would’ve been the ultimate proof that the iPad had a purpose, even if that purpose was a bit muddy at launch. As the iPod changed music industry and the iPhone changed telecommunications, the iPad would change news and publishing.In February 2011, a little more than a year after the original iPad launched, Murdoch, gathered a scrum of media and tech reporters at the Guggenheim in New York to unveil what he believed would be a transformative way to get news.Rupert Murdoch introduced The Daily in New York in 2010.Image credit: News Corp.For 99 cents a week or $39.99 a year, subscribers to The Daily would get an interactive reimagining of a daily news publication, full of interactive charts, video and other electronic goodies along with high-quality journalism from a newsroom packed with editors and reporters with impressive résumés.Apple’s iTunes boss at the time, Eddy Cue, was onstage as well, promoting the App Store’s new subscription model and giving his blessing to The Daily. He called the iPad a new category of device and boasted about the growing ecosystem of apps for it.”The iPad demands we rethink our craft,” Murdoch said from the stage.The Daily shut down less than two years later.It was the first sign that the promise of the iPad — that it would upend industries like book publishing, education, the news media and even video entertainment — would not come to pass. iPad sales have been in free fall since 2013. Ebook sales are plummeting by double-digit percentages as print books show a surprising renewed growth. Digital publishers have found more success on Facebook and other digital platforms, not tying their futures to one gadget. And despite a push to reinvent textbook publishing, Apple failed to make a dent in an industry controlled by big publishers.”The role of the iPad was probably vaguer than any product Apple launched,” said Jan Dawson, chief analyst at Jackdaw Research. “It wasn’t well defined.”And Apple is still trying to figure it out.This week, Apple will host its annual World Wide Developers Conference (WWDC), where it shows off new versions of the software that powers its products. There are also rumblings that we might get a look at a new iPad Pro model with a 10.5-inch screen and shrunken-down bezels aimed at transforming the iPad from a media-consumption device to one that could replace your laptop.But even Apple’s biggest fans have had doubts the iPad can be the new kind of computer the company wants it to be, and the onus is on Apple this week to put the tools in place to make it happen or risk failing to deliver on yet another promise.iPad sales have been declining since 2013.Publishing revolution?Even the support from Apple couldn’t save The Daily, and it’s a useful lesson in why some of the early hopes for the iPad never panned out.From the beginning, the app was plagued with bugs and crashes, which Dobrowolski blamed on the fact that the iPad was still essentially running software and chips designed for a phone.The production process wasn’t as easy as News Corp. thought it’d be. When The Daily launched, News Corp. executives claimed they’d save on overhead costs and production time because they didn’t have to print and deliver a physical newspaper. Each issue would magically show up on subscribers’ iPads instead.ScreenshotThe reality: It took a lot more work to produce each edition of The Daily than originally thought.Dobrowolski said the team would often work from 10 a.m. until 4 a.m. the next day, trying to get each issue out on time, wrestling with graphics and layout for both vertical and horizontal positions formats.It turned out that iPad publishing was a tricky process, and, in the end, the subscribers simply weren’t there, forcing The Daily to announce it was shutting down in December 2012, not even two years after its debut.No one tried anything on that scale again. The Daily was the most ambitious, but it wasn’t alone. Condé Nast and other major magazine publishers made efforts to transfer their portfolio of magazines to the iPad. But all those additional videos, graphics and animations could take up to a few gigabytes of memory with each issue, which turned out to be a bad experience since iPads had a measly 16 gigs to start with. Others were just PDF versions of the print magazine. Hardly revolutionary.After The Daily’s failure, Apple tried in 2012 to take on the lucrative textbook industry with another high-profile event in New York, the heart of the publishing industry. The company debuted iBooks 2, a new ebooks app that featured digital, interactive textbooks from a few major publishers. But Apple fell largely silent about its ambitions to “reinvent the textbook” after the event, and there’s scant evidence that publishers have embraced iBooks over print.”Apple hasn’t disrupted the textbook market at all,” Dawson said. “Textbooks are a very high-margin business for publishers, and there’s little incentive for them to sell on the iPad. Without having them on board it’s really hard to disrupt a market like that.”A new kind of computerApple now pitches the iPad as a device that can replace your laptop.Image credit: Tech Insider/Steve KovachBy the following year, the iPad saw its first sales decline, and it hasn’t recovered since. There were many factors to blame. Some said it was because people realized you don’t need to upgrade your iPad every year or two like you do with the iPhone. Others said Apple’s introduction of the big-screen iPhone 6 and iPhone 6 Plus ate into iPad sales.So now we’re in the middle of another promise: The iPad as a laptop replacement. In 2015, Apple introduced the iPad Pro, adding more power, a larger screen and new capabilities thanks to a snap-on keyboard cover and $99 stylus called the Apple Pencil. CEO Tim Cook claimed in an interview before the Pro’s launch that the iPad Pro could do enough to replace a laptop.It was a remarkable pivot and the first time Apple explicitly claimed it had made a new kind of computer. Jobs and other Apple executives had always talked about the long-term prospects of the iPad as a new kind of PC, but the iPad Pro was the first model in the product’s five years that was being marketed that way.But critics, including some of Apple’s biggest defenders, aren’t totally buying it. Pro-Apple writer John Gruber wrote a long critique about the keyboard cover. “Trying to use the iPad Pro as a laptop with the Smart Keyboard exposes the seams of an OS that was clearly designed for touchscreen use first,” he wrote.Recode’s Walt Mossberg put it more bluntly, saying “because Apple hasn’t made a great keyboard, the iPad Pro isn’t a complete replacement for a great laptop like the MacBook Air.”It’s not just the hardware. While some apps like Microsoft Office have made it to the iPad, it’s still missing other essential productivity apps that could truly make it a laptop replacement. Much of the iPad app ecosystem is still populated with jumbo-sized iPhone apps, not the reimagined apps needed to take advantage of more screen space and extra power. The iPad’s split-screen feature helps a little, but it’s not enough.The benefits would be enormous — a device as powerful and capable as a laptop but packed in an ultrathin, portable package. No one has cracked that yet.”The big challenge is how to evolve iOS on an iPad in a way that feels natural in that setting,” Dawson said. “Apple has a tricky balancing act.”So now the pressure is on Apple to figure out where the iPad fits in. The iPad is far from a flop — any of Apple’s rivals would kill to have a product that sells around 10 million units per quarter — but it still hasn’t found a distinct purpose within Apple’s hardware ecosystem.While the iPad made a great consumption device, it failed to disrupt the media and publishing industries that Apple and its early partners first imagined. And in the nearly two years since the iPad Pro’s debut, it’s unclear how successful Apple can be with its next major promise: turning the iPad into a dream device that replaces your laptop altogether.As WWDC approaches, some are already speculating what Apple could do to take the iPad to the next level. (Scott Stein of CNET has a good piece on that very topic, where he suggests revamping the home screen, improving the Safari browser and more. It’s worth a read.) And if we do see new hardware, it’ll have to address the qualms critics have had with the keyboard.The iPad has proved itself to be magical and successful. The next step is to prove it can be revolutionary. Apple Next Article Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals Register Now »last_img read more

first_img Next Article The only list that measures privately-held company performance across multiple dimensions—not just revenue. Rob LeFebvre 2 min read Meet the Uber Visa card. Add to Queue Image credit: Uber –shares October 26, 2017center_img Writer Uber’s New Credit Card Could Be a Tough Sell 2019 Entrepreneur 360 List Uber isn’t exactly known for protecting the privacy of its drivers or riders. Tim Cook reportedly had to threaten to remove the Uber app from iPhones after he discovered the app was “fingerprinting” iPhones with a permanent ID. The ride sharing company had to stop gathering location data from passengers, even after a ride ended, and it settled with the FTC over abuse of customer data. Now Uber is offering a new credit card, available Nov. 2, which might seem a bit counter-intuitive.The Uber Visa has no annual fee, and users earn $100 after they spend $500 in the first 90 days of owning the card. You’ll get rewards for using the card, and they’ll accrue even faster for buying food in a restaurant, booking a trip, taking an Uber (obviously) or shopping online. You’ll be able to redeem the rewards for Uber credits on rides and UberEats delivery, as well as cash back or gift cards. It will even grant you an annual $50 “subscription credit” you can use towards Netflix, Spotify or Amazon Prime. Uber also says that cardholders can get coverage for theft or damage of their mobile devices, and invites to secret shows and dining experiences. All subject to “terms,” of course. Still, given the company’s track record, it might be a tough sell to ask customers to sign up.Update: Uber clarified to Engadget that it would not get any information on individual spending, as that will stay with the issuing bank, Barclays. The only thing Uber will know is the amount of spending that occurs on their cards in aggregate. The company says it will have access to how many Uber credits that rider has earned through the percent back on an individual level. This post has been edited in light of those details. Uber This story originally appeared on Engadget Apply Now »last_img read more

first_imgNimble Delivers Contact Unification, Automated Data Enrichment for Microsoft Dynamics 365 Business Central Partners and Customers PRNewswireMay 8, 2019, 2:08 pmMay 8, 2019 Nimble Delivers Contact Unification, Automated Data Enrichment for Microsoft Dynamics 365 Business Central Partners and CustomersNimble — the Simple, Smart CRM for Office 365 — announced two-way contact data synchronization and automated data enrichment for Microsoft Dynamics 365 Business Central, Office 365, and other business data sources. A fast-growing network of CSPs worldwide are reselling Nimble as both a simple CRM for Business Central and an onramp to more sophisticated systems.Nimble Anncs Team Relationship Management, Contact Unification & Data Enrichment for Office 365 & #Dynamics365 Business Central #MSPartner“It’s hard to truly understand your customers, partners, and suppliers when your CRM is broken, and critical relationship data and conversations are siloed in Business Central, Office 365, and other front- and back-office systems across the organization,” said Nimble CEO Jon Ferrara. “Microsoft users love using Nimble because our automated, instantaneous insights enable workgroups to become smarter about managing relationships across front- and back-end systems wherever they’re working.”Marketing Technology News: Madison Logic Unveils New Data Cloud to Accelerate ABM for B2B Organizations GloballyA company-wide relationship management platform for Business Central customersNimble and PieSync provide a complete view of every business relationship within the company, gathering contact data from Business Central, Office 365, and any number of siloed data sources into a single system. AI and automation build, enrich, update, and sync customer records, freeing users from spending endless amounts of time manually keying in or migrating data. Ease of use and universal accessibility help drive an average 80% Nimble user adoption rate, according to verified user reviews on G2 Crowd.“Nimble powered business data, combined with Dynamics Business Central business management capabilities, is a huge step forward for smart businesses that want to use their data as a competitive advantage,” said Eamon Moore, CEO and co-founder of Hikari Data Solutions.A recent winner of Microsoft’s CSP Partner of the Year Award, Eamon describes three primary use cases for Business Central customers using Nimble and its embedded PieSync integration:Unlocking company and relationship data, as well as standard and custom fields from Business Central, allows sales and business development teams to follow up on key information or potential opportunities uncovered by the finance group and other back-office staff members.Providing in-app access to a unified database of relationship data gathered from multiple systems, including Office 365 and more than 170 SaaS business apps. Access to unified knowledge saves time and eliminates the errors commonly associated with maintaining “multiple versions of the truth.”Enriched, 360-degree views of every Business Central relationship helps team members cultivate strategic, loyal relationships with key stakeholders within their day-to-day workflows.Marketing Technology News: Vodafone Idea and IBM in Five Year, Multi-Million-Dollar Engagement to Advance the Future of Telco with Hybrid Cloud, and AI“This 2-way synchronization not only saves time, but it also enriches the contacts’ profiles with the information both tools gather,” said Mattias Putman, Founder & CTO of PieSync. “We built a solution that enables users to visualize certain financial details of their customers within Nimble. At the same time, the social insights gathered by the CRM are automatically available in Business Central.”Nimble can either serve as a customer’s simple CRM for Office 365, an integrated front/back-office solution, or a company-wide clearinghouse of relationship data across multiple cloud-based applications.“Some of our clients that aren’t ready for Dynamics 365 for Sales use Nimble as a simple-but-powerful contact relationship manager,” said David Gersten, practice manager, Dynamic Consulting, LLC. “Having easy visibility to company and contact information, without having to duplicate entries manually between applications, will improve sales and vendor relationships for SMB customers using both of these offerings.”“While Microsoft Dynamics 365 for Sales is ideally suited for businesses that want an enterprise-class business management solution, we recommend Nimble for small teams that want an end-to-end solution with Microsoft Dynamics 365 Business Central for its back office, said Rosalyn Arntzen, President and CEO of Amaxra. “As customer needs evolve, Nimble integrates with Microsoft Dynamics 365 for Sales, enabling employees to access complete records for every contact, within appropriate workflows and everywhere they engage customers online.”Marketing Technology News: itelligence Receives 2019 SAP Pinnacle Award: SAP Global Platinum Reseller of the Year Business CentralcrmJon FerraraMarketing TechnologyMicrosoft Dynamics 365NewsNimble Previous ArticleGartner Says Marketers Must Focus on Helping Customers in Order to Remain Competitive TodayNext ArticleConsumers Report Small Businesses Excel at Customer Experience, New 8×8 Research Findslast_img read more

first_imgFive9 to Provide Extraordinary Customer Experiences Using Microsoft Teams Business WireJuly 16, 2019, 3:08 pmJuly 16, 2019 Five9, Inc., a leading provider of the intelligent cloud contact center, announces that Microsoft has selected Five9 as a strategic contact center partner to deeply integrate the Five9 Intelligent Cloud Contact Center platform with Microsoft Teams.@Five9 to Provide Extraordinary Customer Experiences using @Microsoft Teams“We are very pleased to partner closely with Microsoft Teams to deliver a superior end-to-end solution to our customers,” said Dan Burkland, Five9 President. “With the addition of Teams, we can now deliver a fully integrated solution encompassing Teams, Microsoft Dynamics 365, and Five9, which enables the digital enterprise to deliver unparalleled customer experience.”The new Five9 and Teams integration improves the customer experience by taking the collaboration capabilities of the Teams platform and integrating it with the Five9 Intelligent Cloud Contact Center solution. This gives contact center agents access to all the resources of their Teams’ community, providing quicker resolutions to issues.Marketing Technology News: Brave Expands Advertising Platform to Mobile Devices and Launches Brave Ads Certified Vendor Program“The seamless integration between Five9 and Microsoft Teams arms the agents with the ability to gain access to experts across the organization to deliver a superior experience,” said Jonathan Rosenberg, Five9 CTO and Head of Artificial Intelligence.Marketing Technology News: M-Commerce Not Living up to Consumer Expectations, New Research FindsThe initial integration between Five9 and Teams will provide agents access to subject matter experts that are using Teams. Through a consolidated directory, Five9 agents can see the presence of Teams users, grouped by expertise, in their Agent Desktop application. The agent then can simply click to call the expert. Agents can conference the expert in with the customer or transfer the customer call completely to the expert. The ability to identify Teams contacts by department or area of expertise makes it easy for agents to consult with the right expert. All calls between Five9 contact center agents and Teams experts are routed over a private SIP Trunk, thus avoiding any toll charges.Marketing Technology News: Accelerators Launched for Rapid Execution and Faster Time to Market Cloud Contact Center platformcustomer experiencesFive9Marketing Technology NewsMicrosoftNews Previous ArticleInte Q Receives a Top Rating for Measuring Emotional Loyalty by Leading Research FirmNext ArticleBaidu and Snap Inc. Renew Sales Partnership to Reach Outbound Chinese Advertiserslast_img read more

Source:https://news.northwestern.edu/stories/2018/december/fitness-instructors-comments-shape-womens-body-satisfaction Reviewed by James Ives, M.Psych. (Editor)Dec 14 2018Exercise has been called a double-edged sword for women when it comes to body image as some types of exercise seem to improve body esteem, whereas others have the potential to lower it.In other words, from a psychological perspective, not all fitness approaches are created equal.A new Northwestern University study found that while exercise, in this case, a 16-minute conditioning class, generally improved women’s mood and body satisfaction, women felt even better if the instructor made motivational comments that focused on strength and health instead of on losing weight or changing the appearance of one’s body.”Our goal was to determine whether the psychological outcomes of a fitness class might vary based on whether the instructor made motivational comments based on health verses appearance,” said Renee Engeln, lead author of the study and professor of instruction in psychology in the Weinberg College of Arts and Sciences at Northwestern.Related StoriesA short bout of exercise improves brain function, study revealsIt’s never too late to take up exercise, advise researchersLiver fat biomarker levels linked with metabolic health benefits of exercise, study findsAfter taking the class, women reported more positive emotions and felt more satisfied with the shape of their body if the instructor said things like, “This exercise is crucial to developing strength in the legs; these are the muscles that truly help you run, jump, sprint like a super hero!” Those randomly assigned to the class in which the instructor made appearance-focused comments like, “This exercise blasts fat in the legs, no more thunder thighs for us! Get rid of that cellulite!” didn’t show those same improvements.”We also asked the women to list three words that described how they felt at the end of class,” said Engeln, author of “Beauty Sick” (HarperCollins, 2017). “Those who heard appearance-focused comments were much more likely to write things like ‘ashamed’ and ‘disgusted with myself.’ Those in the health-focused classes were more likely to write things like ‘accomplished’ and ‘strong.'”Engeln said the study is one more reminder that words really matter.”The women in this study all did the same exercises, in the same room, with the same music playing,” Engeln added. “Yet just modifying the script the fitness instructor used had a meaningful impact on the way they felt about themselves afterward.”If we want people to stick with exercise, we need to remove shame from the equation. This study points to an easy and cost-free step that fitness instructors can take to make their classrooms healthier, more inclusive and more inspiring.””Tone it Down: How Fitness Instructors’ Motivational Comments Shape Women’s Body Satisfaction” published online and will be in the December print issue of the Journal of Clinical Sport Psychology. In addition to Engeln, co-authors include Margaret Shavlik of Vanderbilt University and Colleen Daly of Northwestern. read more