Tag: 杭州桑拿

first_imgPalace: Duterte to hear out security execs on alleged China control of NGCP Cayetano dares Lacson, Drilon to take lie-detector test: Wala akong kinita sa SEA Games BREAKING: Cop killed, 11 hurt in Misamis Oriental grenade blast BSP survey: PH banks see bright horizon amid dark global recession clouds Every 18 seconds someone is diagnosed with HIV Don’t miss out on the latest news and information. Lacson: SEA Games fund put in foundation like ‘Napoles case’ BREAKING: Cop killed, 11 hurt in Misamis Oriental grenade blast Oping Sumalinog. PBA IMAGESLearning from the likes of Jayson Castro and Ranidel de Ocampo, Oping Sumalinog wants to impart the knowledge he gained in the two years he spent with TNT KaTropa in his stint with Cignal HD in the 2017 PBA D-League Foundation Cup.“It was a huge learning experience for me even though I was just a practice player there for two years,” he said in Filipino. “Not many people see me work every day, but I take my job personally and I really love basketball. Day-in and day-out, that’s what I do, so as much as possible, I really wanted to learn from veterans like Jayson.”ADVERTISEMENT That’s why Sumalinog didn’t hesitate to take responsibility for the Hawkeyes’ 86-84 loss to Flying V last Thursday, where the squad lost hold of an eight-point lead in the last four minutes.“I own what happened to us against Flying V. I felt I didn’t contribute as much which is why we lost. I look at it as a wake-up call because this is a D-League and there’s a lot of good players and teams here. We can’t take anyone for granted,” he said.With Cignal back on the winning track, Sumalinog is optimistic that this good run will continue in the games to come, which in turn, could help the younger players boost their draft stocks while also pushing the veterans to get closer to another crack in the PBA.“I’m grabbing every opportunity that I get. I know different players have different stories. There are players who go to the path that I took, who became practice players to PBA teams. I know it’s an unconventional path, but I learned there that you really have to work hard for everything. You need to have the patience. I know my time will come, so hopefully, we’ll be able to sustain the way we play,” he said.ADVERTISEMENTcenter_img On Thursday, Sumalinog showed that he’s more than just a defensive stopper, going 3-of-3 from beyond the arc to lead the Hawkeyes with 15 points in their 89-63 win over Tanduay.“He’s been practicing his three-point shots,” said coach Boyet Fernandez of the former Ateneo Blue Eagle. “Oping always comes in early to take some extra shots. I’m happy that he made his shots today. Oping is one of my stoppers so if gets those points, it’s just a plus for us.”FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSMalditas save PH from shutoutSPORTSPrivate companies step in to help SEA Games hostingAs an ex-pro, all the 6-foot-2 Sumalinog wants is to display his veteran know-hows with Cignal, noting that his leadership is one of the reasons why Fernandez signed him up for the conference.“I want to contribute, especially I’m one of the veterans here. I also want to show leadership to the younger teammates I have who are eyeing to be drafted. I want to share to them what I learned in the PBA,” he said. MOST READ View comments Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games Sports Related Videospowered by AdSparcRead Next LATEST STORIES Pagasa: Storm intensifies as it nears PAR Roach doesn’t mind who Pacquiao faces nextlast_img read more

first_imgWillian enjoying Chelsea veteran roleby Freddie Taylor25 days agoSend to a friendShare the loveChelsea winger Willian is enjoying his different role within the squad this season.The Brazilian is now one of the senior members of the team, given the youth injection from manager Frank Lampard this summer.And Willian is happy to pass on his knowledge to the youngsters. But he insists that he has a lot to offer on the pitch as well. More than anything, he is happy at the club.”I enjoy it a lot,” he said to the club’s website.”I enjoy myself, I enjoy it with my team-mates and I have pleasure to play with them and this is what I want – to have pleasure, play, enjoy myself on the pitch and get the results.” About the authorFreddie TaylorShare the loveHave your saylast_img read more

first_imgQuadree henderson runs with the football during the Military Bowl.The Military Bowl is off to a rousing start on ESPN. Pitt’ freshman wide receiver Quadree Henderson took the opening kickoff at the goal line and jetted 100 yards for a touchdown, giving his team the early lead against Navy. Speed kills. Pitt starts the #MilitaryBowl with a 100-yd kick return for a TD. https://t.co/y7lkwyaK5S— ESPN CollegeFootball (@ESPNCFB) December 28, 2015The touchdown is Henderson’s first kickoff return TD and the second for the Panthers this season. Navy has already tied the score, so it seems like Henderson’s touchdown will be the first of many scores in this contest.last_img read more

first_imgMayor of Montego Bay, Councillor Homer Davis, has hailed the National Solid Waste Management Authority (NSWMA) for its efforts in ridding St. James of solid waste.“The NSWMA has been relentless in making sure that they educate and work with the citizens. In the last two years, we have had some major clean-up (activities) across the parish (which have resulted in the removal) of a lot of bulky waste,” he said.Mayor Davis was speaking at the official opening of the Cambridge garbage holding area in the parish on Friday (January 25).The facility, which currently has four skips, will serve as a central location for the disposal of garbage from around the community.As part of the day’s activities, the Western Parks and Markets (WPM) staff removed bulky waste items from the Cambridge community, which could provide breeding ground for mosquito.Representatives from the Western Regional Health Authority also gave a presentation on how to prevent and destroy mosquito breeding sites in and around the home.last_img read more

first_img Held at Newcastle in St. Andrew in late March, the event saw approximately 1,000 patrons in attendance and was completely sold out. Story Highlights The three-day event, which showcases the rich tradition of coffee production in the Blue Mountain region, was launched last year and featured Blue Mountain coffee, coffee-related products, food stalls, tastings, demonstrations and workshops. The second annual Jamaica Blue Mountain Coffee Festival will be launched at a press conference on January 14. The second annual Jamaica Blue Mountain Coffee Festival will be launched at a press conference on January 15.The three-day event, which showcases the rich tradition of coffee production in the Blue Mountain region, was launched last year and featured Blue Mountain coffee, coffee-related products, food stalls, tastings, demonstrations and workshops.Held at Newcastle in St. Andrew in late March, the event saw approximately 1,000 patrons in attendance and was completely sold out.Chairperson of the Tourism Ministry’s Gastronomy Network, Nicola Madden-Greig, said the festival is part of a strategy to have locals, as well as visitors, exposed to Jamaica Blue Mountain coffee where it is produced.“We will continue to work with the Jamaica Agricultural Commodities Regulatory Authority (JACRA), Jamaica Promotions Corporation (JAMPRO), the Jamaica Tourist Board (JTB) and the Tourism Linkages Network to push the Jamaica Blue Mountain Coffee through our hotels and attractions,” she said.“Most of our gift shops sell it, a lot of our hotels serve it, but we want to see how we can improve on that and grow those numbers,” she added.Mrs. Madden-Grieg was addressing a press conference to launch Jamaica Blue Mountain Coffee Day and to sign a Memorandum of Understanding (MOU), at JAMPRO’S offices in New Kingston, on January 4.The MOU, which was signed by JAMPRO, JACRA and the Jamaica Coffee Exporters Association (JCEA), establishes a formal framework to guide a promotional campaign and marketing strategy to support the Jamaica Blue Mountain and Jamaica High Mountain coffees.To be observed on January 9 by Jamaica and Japan, the Jamaica Blue Mountain Coffee Day is being held in recognition of the formidable relationship forged between the two countries since 1953 when Jamaica sent its first shipment of coffee to the Asian country.It also marks the day the largest shipment of coffee left the port of Kingston en route to Japan in 1967.last_img read more

first_imgMISSISSAUGA, Ont. — One person was killed in a shooting that sent five others to hospital west of Toronto Saturday evening, police said as they hunted for suspects in the case.Circumstances surrounding the incident were scant, but Const. Iryna Yashnyk of the Peel Regional Police say it happened outside an apartment building in a residential area of Mississauga, Ont., just after 6 p.m. One person died at the scene, while five others were taken to hospital with gunshot wounds.“It’s early in the investigation, and it’s still very much an active scene and a dynamic investigation,” Yashnyk told reporters as police officers went door-to-door in the nearby apartment building looking for more victims and potential suspects.She said she didn’t know if the shooting was targeted or if the victims knew the shooter or shooters.Officers didn’t have any suspect information to provide, she said, noting that nobody had been arrested as of 9 p.m. Yashnyk also declined to provide information about the people who were shot.Paramedics, meanwhile, said the person who died was a male, though his age was unknown. Supt. Kyle Johansen of the Peel regional paramedics added that a woman was taken to hospital with life-threatening injuries.He said two of the injured were under the age of 18. A male teenager had serious injuries, he said, as did a girl who was even younger.He said both of them were expected to survive.Numerous police cruisers remained outside the apartment building on Saturday night.The Canadian Presslast_img read more

first_imgAPTN NewsA dead seagull lies in the water with the Long Spruce generating station in the background. APTN News travelled to Treaty 5 Territory in Northern Manitoba to report on the impacts of hydro development on First Nations.  Power Failure: The impacts of hydro on Northern Manitoba. Photo: Justin Brake/APTN Students dig away for artifacts on the Farabout Peninsula on the traditional territory of the Migisi Sahaigan. That’s where a white arrowhead the size of a thumb was uncovered. It could be enough to save the peninsula from clear cutting. Eagle Lake First Nation wants area where artifacts found to be off limits to loggers. Photo: Willow Fiddler/APTN.Summer Bear, 14, is all smiles after travelling from Meadow Lake, Sask., to attend the AboutFace camp at Camp Arnes in Manitoba. According to the organization’s mission statement, the camp is to “promote and enhance positive mental and emotional well-being of individuals with facial differences and their families.” Camp Trailblazers empowers Indigenous and non-Indigenous kids. Photo: Brittany Hobson/APTN Steve Ducharme from O-Pipon-Na-Piwin Cree Nation in Treaty 5 navigates his boat showing APTN reporters Justin Brake and Ashley Brandson the effects the diversion of the Churchill River had on his community. In 1976, the Churchill River water flow was diverted by Hydro into into the Nelson River at Missi Falls which forced the communities to relocate. Photo: Ashley Brandson/APTN Students, leaders and Elders from the Kashechewan First Nation send a message to parliamentarians on their first day back in Ottawa. The community on the shores of James Bay don’t have an adequate school because of constant flooding. Kashechewan students travel to Ottawa with message for politicians Photo: Todd Lamirande/APTN.You can reach us here: news@aptn.ca A fishing boat sits on the shores of Playgreen Lake in Treaty 5 territory. The lake used to provide the Cree people here with a good livelihood but construction of hydro dams along the Churchill and Nelson rivers changed everything. Photo: Justin Brake/APTNcenter_img This black bear cub has been given the name Maskwa (Cree for bear) and was found near death by the side of the road in Grand Cache, Alberta.  She has now recovered and the province wants to release her next month. But the Cochrane Ecological Institute says at eight months, Maskwa is still too young. You posted similar thoughts on our website.  Debate swirls around whether to release young bear back into Alberta’s wild Photo: Cochrane Ecological InstituteFriends of Brittany Martel stand at a vigil on the site where her body was found just outside of Merritt, BC. The RCMP say the case is not suspicious and are waiting for results from the B.C. Coroners Service. Photo: Kathleen Martens/APTN. The Jenpeg generating station changed the lives of hundreds of people when construction started in the 1970s in Treaty 5. Photo: Ashley Brandson/APTN Through hard work Irene Crowchild got sober – and then she got a big golf swing. Crowchild, from the TsuuT’ina Nation in Alberta is the first Indigenous woman to win the Canadian Long Drive Competition and will represent Canada in Mexico this fall. Meet Irene Crowchild who fought for sobriety, and a great golf swing Photo: Tamara Pimentel/APTN.last_img read more

first_imgTULSA, Okla. — A Chinese national employed by an Oklahoma petroleum company has been charged with stealing trade secrets.Federal prosecutors in Tulsa said Friday that 35-year-old Hongjin Tan is accused of stealing trade secrets from his unnamed U.S.-based employer that operates a research facility in the Tulsa area.An affidavit filed by the FBI alleges that Tan stole trade secrets about an unidentified product worth more than $1 billion to his employer to benefit a Chinese company where Tan had been offered work.Authorities say Tan allegedly downloaded hundreds of computer files regarding the manufacture of a “research and development downstream energy market product.”Court records show Tan made an initial appearance before a federal magistrate Thursday and remains in custody. A preliminary and detention hearing is scheduled next week.The Associated Presslast_img read more

first_imgPolls suggest the Liberals and Conservatives are running neck-and-neck, while the NDP and Greens are fighting for third.The NDP are launching their campaign today in London, Ont., one of the regions of the province they feel they’ll be able to hold onto seats. The Greens are in their own comfort zone of British Columbia, where Elizabeth May will launch her campaign in Victoria.At the dissolution of Parliament, the Liberals hold 177 seats, the Conservatives 95, the NDP 39, the Bloc 10 and the Greens 2. There are eight independents — including former Liberal cabinet ministers Jane Philpott and Jody Wilson-Raybould. The People’s Party of Canada has one seat and former New Democrat Erin Weir sits as a member of the Co-operative Commonwealth Federation. Five seats are vacant.Under the law, the election must be Oct. 21. Trudeau’s plan calls for him to fly immediately to British Columbia for a rally in the NDP-held riding of Vancouver-Kingsway.Haunting Trudeau on the trail will be the SNC-Lavalin scandal, given fresh life this morning after the Globe and Mail reported the RCMP’s investigation into potential obstruction of justice in the matter has been stymied by the shroud of cabinet confidence.Asked what his government is hiding, Trudeau says his office gave the largest waiver of cabinet confidences in Canadian history but added anything more.Before jumping on his own campaign plane this morning, a fired-up Conservative Leader Andrew Scheer said the story showcases his belief that Trudeau has lost the moral authority to govern.“Over the next five weeks I will be explaining the reasons why Justin Trudeau has lost that authority and our alternative plan,” he said in French.Scheer will spend Day 1 of the campaign in Quebec and Ontario. OTTAWA — Justin Trudeau has kicked off his bid for re-election after emerging from Rideau Hall to ask Gov. Gen. Julie Payette to dissolve Parliament.With that starts a 40-day campaign that will see the Liberal leader make the pitch to Canadians that he should be given a second term.He says that the election is a chance for Canadians to vote for the kind of Canada they want to live in.last_img read more

first_imgMumbai: An Indian Air Force (IAF) aircraft overshot the main runway while departing from the Mumbai airport on Tuesday night, an official said. Due to the incident, aircraft movement was diverted to the secondary runway, the official of the Mumbai International Airport Limited (MIAL) said on Wednesday. “We confirm that an Air Force aircraft departing from the Mumbai airport had runway excursion at 11.39 pm on Tuesday,” the official said. Further details are awaited. The city-based Chhatrapati Shivaji Maharaj International Airport, the country’s second busiest airport after New Delhi’s Indira Gandhi International Airport, has two crossing runways — 0927 (the main runway) and 1432 (the secondary runway) which together handle a little over 1,000 arrivals and departures per day. A large part of the operations is carried out from the main runway.last_img read more

first_img16Jan Jacobsen sworn in for third term, named chair of two committees Categories: News The day after being sworn in for his third term, state Rep. Bradford Jacobsen, R-Oxford, was named chair for two House committees.Jacobsen will chair the House Committee for Government Operations, as well as the House Committee for Communications and Technology for the 98th Legislature.“I am honored to serve on such vital committees, and to chair Communications and Technology,” Jacobsen said. “Whether its phones, automobiles or cyber security, we need to keep Michigan policies up to date.”Jacobsen was also named to the House Energy Policy, Elections and Ethics and Transportation committees.###last_img read more

first_img Categories: Lilly News 12Feb Rep. Lilly: We must invest in local veteran service offices Lawmaker is cosponsor for bill providing counties grants for veteran servicesState Rep. Jim Lilly of Park Township last week cosponsored legislation encouraging Michigan counties to establish and maintain veteran services through a new grant program.Under this legislation, each county with a veteran service office that satisfies pre-approved requirements would receive $25,000, plus an additional amount based on the number of veterans in the county. To continue receiving the grant, an established county veteran service office must meet benchmarks for staff performance and reporting while maintaining the previous year’s funding level.“We must ensure that our veterans are being taken care of,” Lilly said.  “Investing in local veteran service offices will give veterans, who have fought for our rights and freedom, the resources they need and deserve.”Under the current veteran’s benefits system, the state supplies the Veteran Service Coalition with a grant to provide benefit services to veterans. Depending on the county, a Veteran Service Officer may only be available for a few hours each month at a single location. This bill provides incentives to counties to develop or enhance a tool for providing sufficient services for veterans.House Bill 5536 was referred to the House Military and Veterans Affairs Committee.###last_img read more

first_img Categories: Berman News State Rep. Ryan Berman of Commerce Township invites constituents of the 39th District to his upcoming July office hours.“We have been working on a number of important issues in Lansing recently and I would like to hear your feedback,” Rep. Berman said. “I look forward to discussing these topics and answering any questions you may have.”Rep. Berman will meet with residents on Thursday, July 11 at the following time and location:5:30 to 7 p.m. at Commerce Township Community Library, 180 E. Commerce Road in Commerce.No appointments are necessary to attend office hours. Those unable to attend may contact Rep. Berman’s office at (517) 373-1799 or RyanBerman@house.mi.gov. 09Jul Rep. Berman announces July office hourslast_img read more

first_imgAlmost five million people in France watch TV daily via the internet, up by one million in a year, according to the latest data from audience research outfit Médiamétrie.Some 4.9 million individuals aged four and above watch TV programmes live or as catch up on internet screens, meaning via computers, tablets and smartphones, according to Médiamétrie.Over half of internet TV viewers are aged under 25, compared with 26% of the overall population. The 2.5 million under 25s viewing TV on the web is up buy a third from last year, with each watching an average of 1 hour 51 minutes online.The TV set remains by far the most popular screen for watching TV programmes, accounting for 96% of viewing time. However, whereas computers were the most important internet device for viewing shows, this year computers have been overtaken by mobile screens, which now account for 54% of online viewing time.About half the time spent watching internet-delivered TV is via channels’ websites and apps, with under 25s being more likely to watch content on online platforms such as YouTube or Daiulymotion, or the apps of OTT TV providers such as Molotov and MyCanal as well as pay TV operators’ apps and social media networks.last_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 — •  Springleaf Holdings (LEAF) is one of the biggest players in subprime lending… And its business is booming. Springleaf has a $6.7 billion portfolio of mostly subprime loans. It charges subprime borrowers an incredible 27% interest rate, on average. Springleaf’s earnings rose 14% during the second quarter. And its stock price is up 40% in the last year. Fortress Investment Group (FIG), one of the largest hedge and private equity firms in the world, owns a majority stake in Springleaf. Strict regulations have mostly stopped banks from making subprime loans. But those rules don’t apply to hedge funds. The Wall Street Journal explains how hedge funds are getting into the subprime business. Tighter regulations have pushed many banks out of subprime mortgages and sharply limited their interest in other types of subprime loans… The retreat has opened the door to non-banks like Fortress, which are flush with cash to invest and say they have learned the lessons of the financial crisis. We’re skeptical… and we wouldn’t be surprised to see a Springleaf blowup come to a market near you soon. •  If you trust that big financial institutions really have learned their lesson… Then you don’t need to do anything. And if you believe lending hundreds of billions of dollars to unqualified borrowers won’t cause another financial crisis… You don’t need to worry that your stocks and bonds will lose value. •  But… you might know your history. And it says not to trust big financial institutions… In 2008, we learned that the financial system is rigged to reward financial institutions for taking crazy risks. If a big financial institution takes a big risk and it pays off, it keeps the profit. If it takes a big risk and blows up the financial system, the government will bail it out…like it did in 2008. Big financial institutions have zero interest in keeping our financial system safe and stable. Their incentives are to take big risks. At some point, big risks like the growing number of subprime auto and credit card loans will cause another major financial crisis. We wrote Going Global 2015 to show Casey Research readers how to protect themselves. Going Global 2015 is a 233-page hardcover book that explains easy steps you can take to make sure the next financial crisis doesn’t wipe out your investments and savings. And right now, we’re practically giving this important book away for free. For just a small processing fee of $4.95…we’ll mail Going Global 2015 to your front door. Click here to claim your copy of Going Global 2015. Chart of the Day We mentioned earlier that Springleaf Holdings is one of the largest subprime lenders in America. It charges customers an average interest rate of nearly 27%. Today’s chart compares that rate with other common interest rates. As you can see, Springleaf’s average rate is more than six times higher than the average mortgage rate. And it’s nearly double the average interest rate on a credit card. These super-high rate loans are extremely expensive for the borrower…making them hard to pay back. Someone who borrows $1,500 at Springleaf’s 27% average rate for four years would end up paying $1,000 in interest. Recommended Links – A Rare Glimpse Inside the Portfolios of America’s Rich and Famous (You Won’t See This ANYWHERE Else) One of the most powerful and connected men in America just produced a stunning new piece of work. We think you’ll be shocked when you see what he’s uncovered. We’ve posted a short summary of his research – including instructions on how subscribers can claim a copy – right here.center_img One of the biggest causes of the financial crisis is back. Subprime lending is surging. Subprime loans are made to people with bad credit. They’re riskier than traditional loans. Lenders charge higher interest rates on subprime loans to compensate for the higher risk. Subprime lending exploded in the early-to-mid-2000s and fueled the housing bubble. When people couldn’t pay back these expensive loans, the housing market crashed. It sparked the biggest financial crisis since the Great Depression…and almost took down the whole US financial system. •  The subprime mortgage market is almost dead… Subprime loans account for just 0.25% of the mortgage market today…down from 26% in 2006. Banks have mostly gotten out of the subprime mortgage businesses. New regulations make it difficult for banks to make subprime loans. •  …But subprime lending is making a comeback. Lenders aren’t giving people subprime loans to buy houses much anymore. Instead, they’re giving subprime loans to people to buy cars… and to buy stuff on their credit cards. The Wall Street Journal reports that subprime auto and credit card lending has surged to its highest level since before the financial crisis. …[M]ore than one-third of all auto, credit card and personal loans from the start of January to the end of April went to subprime borrowers, according to the latest available data from credit-reporting firm Equifax Inc. That is the highest percentage since 2007. Lenders made 53.7 million auto, credit card and personal loans in the first four months of 2015, up 46% from 2010. Subprime auto loans are growing fastest, according to The New York Times: Over all, auto loans to subprime borrowers — typically people with credit scores at or below 640 — have more than doubled since the financial crisis, with one in four new auto loans going to subprime borrowers. In the second quarter of 2014, for example, total auto loan originations hovered at the highest level since before the financial crisis… Lenders made about $189 billion in new subprime consumer loans during the first eleven months of 2014. To put that into context, the subprime mortgage market was about $1.3 trillion before the financial crisis. Subprime auto and credit card loans aren’t huge yet…but they’re not tiny either. And as we’ve explained, they are growing fast. It’s another disaster in the making. Grab International Speculator While It’s 50% OFF The world’s most explosive mining and energy stocks at our lowest rate ever. Click here to claim your discount before it’s gone. Regards, Justin Spittler Delray Beach, Florida August 12, 2015last_img read 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

first_imgFresh concerns have been raised about recruitment at one of the outsourcing companies delivering assessments for the government’s new disability benefit, after it sent out a “very urgent” request for 90 more staff.Only two months ago, Disability News Service (DNS) reported how delivery of the personal independence payment (PIP) appeared to have been plunged back into crisis after Capita reception staff were sent scripts telling them how to explain to benefit claimants why their appointments had been cancelled.Because of a shortage of assessors, Capita was forced to recruit 90 more healthcare professionals, just five months after making an estimated 80 of its 400 assessors redundant.Those redundancies followed a huge recruitment drive last summer to cope with PIP delays and backlogs, tempting many staff from stable jobs in the NHS with a promise of better conditions and long-term work.The company said in June that its latest recruitment push was part of a regular review of its “resourcing plans”, and that it was “looking at the number of assessors required to support the introduction of the changes that are expected later this year”.Last month, government figures secured by DNS showed that claimants in areas managed by Atos were six times more likely to wait longer than 20 weeks for a PIP decision than in those parts of the country managed by Capita.Despite those figures, Capita has now launched yet another recruitment drive to find healthcare staff who can assess claimants’ eligibility for PIP, which is replacing working-age disability living allowance (DLA).The new recruitment drive will add to concerns about the number of nurses, doctors and other healthcare professionals being tempted away from the NHS to work for Capita, as well as Atos and Maximus, the other outsourcing companies assessing disability benefit claimants.In an email seen by DNS, a Capita recruitment executive says the company is looking for nurses, occupational therapists, physiotherapists and paramedics “who can join us ASAP” in “VERY urgent roles”.When asked why Capita needed to recruit another 90 assessors in “very urgent roles” so soon after the last recruitment drive, a Capita spokesman said: “We continually review our service to ensure we have the right level of people in place to meet the requirements of the Department for Work and Pensions and claimants.“The department’s recent official statistics reflect the good continued progress Capita is making to improve claimant waiting times.“The current recruitment programme reflects our focus on preparing for the full roll out of PIP later this year.”This full rollout of PIP actually began last month, with the Department for Work and Pensions beginning to invite claimants who currently have a long-term or indefinite award to be reassessed for PIP – including those living in two postcode areas managed by Capita – a process which is expected to last about two years.DNS first began reporting on delays and backlogs in the PIP system in late 2013. In January, one disabled woman described how she had been forced to wait more than 14 months to be assessed.By the end of March 2015, according to figures published in May, nearly 23,000 disabled people had been waiting longer than 20 weeks for their new PIP claims to be decided. Of those 23,000, more than 3,000 had been waiting longer than a year.last_img read more

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_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