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Question: Floyd Mayweather vs Conor McGregor fight date set for August 26

Conor McGregor’s anticipated boxing match against Floyd Mayweather appears to have been confirmed after the undefeated boxer announced on Instagram that "It's official” on Wednesday night.
McGregor had earlier tweeted that “THE FIGHT IS ON” to hint that a public announcement was imminent, with the Irishman already confirming that he had signed his part of the deal some weeks ago.
It now looks like the American Mayweather has completed that agreement by signing his half of the deal, with the 40-year-old announcing the fight through his Instagram channel.
The fight will be televised on pay-per-view on Showtime and would likely gross tens of millions of dollars. It comes less than a month before Gennady Golovkin and Canelo Alvarez meet in a highly anticipated fight that could rival it for pay-per-view buys.
Mayweather will reportedly be paid over 100 million US dollars for the contest, which will be broadcast on pay-per-view networks across the world.
Given McGregor's non-existent boxing experience and Mayweather's reputation as one of the finest fighters in history, many observers are already predicting a mismatch.
Mayweather v McGregor: In numbers
19 show all Mayweather v McGregor: In numbers
1/19 Mayweather v McGregor: In numbers What are the numbers behind the eagerly-anticipated super-fight between the two men?
2/19 Zero The number of defeats Mayweather has suffered in his 19-year professional career Getty Images
3/19 1 The number of times Mayweather has touched the canvas throughout his professional career. He came back to win the fight via a unanimous decision Getty Images
4/19 2 The number of UFC championship belts McGregor (briefly) held when he defeated Eddie Alvarez at UFC 205 Zuffa LLC via Getty Images
5/19 3 The number of times McGregor has been defeated: losing to Artemji Sitenkov in 2008, Joseph Duffy in 2010 and Nate Diaz in 2016 Getty Images
6/19 12 McGregor’s age when he began boxing at Crumlin Boxing Club under two-time Olympian Phil Sutcliffe Getty Images
7/19 13 The number of seconds it took McGregor to knock out José Aldo at UFC 194, to win the UFC Featherweight Championship Getty Images
8/19 23 The number of fights Mayweather has won by decision Getty Images
9/19 25 In 2016, Mayweather was ranked by ESPN as the greatest boxer, pound for pound, of the last 25 years Getty Images
10/19 40 Mayweather’s age. He is 12 years older than McGregor Getty Images
11/19 46% Mayweather’s average connect rate, according to CompuBox and compiled over his past nine fights. It’s one of the best in the history of the sport Getty Images
12/19 49 The number of wins Mayweather has racked up in his professional career. He requires only one more to surpass Rocky Marciono’s flawless record of 49-0. Getty Images
13/19 84-8 £150,000 Mayweather’s sterling amateur record. He won the national Golden Glove championships at three different weight classes Getty Images
14/19 $150,000 The fine dished out to McGregor for throwing a bottle at Nate Diaz in a press conference ahead of UFC 202. The fine has delayed the announcement of a boxing match against Mayweather Getty Images
15/19 1,650,000 The pay-per-view buy rate for McGregor’s eagerly anticipated rematch against Diaz at UFC 202, making the event the most successful non-boxing PPV event in the history of fightsports Getty Images
16/19 19,500,000 The number of PPV buys Mayweather has garnered in his entire career Getty Images
17/19 $34,000,000 McGregor’s career earnings, as estimated by Forbes at the start of June 2017 Getty Images
18/19 $1,300,000,000 The total revenue Mayweather has generated in his career Getty Images
19/19 14,000,000,000 The number of social media impressions Conor McGregor made in 2016 Getty Images for Wynn Las Vegas
Here, we delve into the legal complexities that surround the fight, as well as identifying the likely venue and purse.
We also analyse Mayweather and McGregor’s respective records, and feature fight predictions from boxing and MMA personalities.
Where will the fight take place?
Mayweather Promotions have reportedly reserved the MGM Grand Garden Arena for the superfight.
The 17,157 capacity venue is well-known for staging some of the biggest fights in boxing history, including the Mike Tyson vs. Evander Holyfield fights as well as Mayweather’s bouts against Oscar De La Hoya and Manny Pacquiao.
The MGM Grand will likely host the contest (Getty)
The venue has also held 40 UFC events, most recently UFC 197 in April 2016, when Jon Jones made his MMA comeback by beating Ovince Saint Preux and flyweight champion Demetrious Johnson defended his belt against Henry Cejudo.
When would the fight take place?
Multiple dates had been suggested, but it appears the fight will take place on August 26.
Mayweather’s promotional company has also booked out the venue for July 29, but that date is most likely being used for the Mikey Garcia-Adrien Broner fight.
Mayweather Promotions have already booked a date (Getty)
September 16 had initially been suggested as the most likely date for the superfight but that slot has now been taken by Canelo Alvarez's middleweight world championship fight against Gennady Golovkin.
The Mayweather v McGregor fight cannot be held within three weeks of the Canelo v Golovkin fight in order to avoid infringing on promotional rights: August 26 is exactly three weeks before September 16.
Have both men agreed to the fight?
McGregor confirmed his side of the deal in a statement released to Themaclife.com.
“The first and most important part of this historic contract has now officially been signed off on. Congratulations to all parties involved. We now await Al Haymon and his boxer's signature in the coming days,” the statement read.
Mayweather has been rather more cagy about his side of the bargain, although UFC president Dana White has repeatedly said that he is optimistic a deal can be reached.
And will both men be allowed to fight?
The Nevada State Athletic Commission confirmed in April that McGregor had submitted an application to them for a license. McGregor previously applied for a license in 2016, but was turned down because he was in the middle of a disciplinary procedure.
A press conference brawl landed McGregor in hot water (Getty)
“He did apply in 2016,” NSAC executive director Bob Bennett confirmed. “But based on the fact that he had pending mitigation he was not issued one.”
However, now that McGregor has paid a fine to the board after landing himself in trouble at a UFC press conference, it is likely he will be granted the relevant license to box Mayweather. “Now that he’s paid his fine and agreed to do the community service that opens the door for him to apply for a license,” Bennett added.
Mayweather must also reapply for a license, having last fought in September 2015.
What are the legal obstacles?
There are a number of legal complexities that must be patiently worked out before the superfight is announced. Earlier this year, Jake Cohen, a lawyer for Mills & Reeve specialising in legal, commercial and regulatory matters in sport, spoke to the Independent about some of the legal issues that stand in the way of any potential fight, and how these might possibly be resolved.
A co-promotion between Mayweather Promotions and the UFC seems the most likely course of action for both parties.
“Should the UFC enter negotiations we could potentially see something that we often see with boxing, which would be a cross-promotion, in this instance between the UFC and Mayweather Promotions (MP),” Cohen told the Independent, who explains that MP – the boxing promotional firm Floyd founded in 2007 – has a precedent for this strategy.
MP and Golden Boy co-promoted nine of Mayweather’s fights after his 2007 victory over Oscar de la Hoya, while his famed 2015 victory over Pacquiao was co-promoted with Top Rank.
“Co-promotion is a common occurrence in boxing and is often the reason for why there is such a long waiting time before these huge fights, because working out the revenue share between these promotions can take some time.”
What does the creation of McGregor Promotions mean?
There was much excitement at the beginning of February when, in an hour-long interview with respected MMA journalist Ariel Helwani, McGregor announced the creation of McGregor Promotions – his own promotional company.
McGregor recently established ' McGregor Promotions' (Getty)
“Everyone’s got to know their place,” McGregor told Helwani. “There’s Mayweather Promotions, there’s the UFC and now there’s the newly formed McGregor Promotions. And we’re all in the mix.”
But despite McGregor’s positioning of his new venture as a third promotional body, Jake Cohen told the Independent that he is sceptical over the influence it will have over any negotiations.
The Irishman is one of the world's most marketable athletes (Getty)
“If McGregor’s contract is similar to other UFC contracts, it is likely that McGregor will have licensed his image rights – which permit the UFC to exploit the athlete’s image, his voice, his signature and even his tattoos for commercial purposes – to the UFC for the purposes of marketing McGregor as a fighter.
“If that is the case, then McGregor Promotions may not be able to exploit those rights beyond traditional individual endorsement and sponsorship deals until the expiration of McGregor’s contract with the UFC. Once his UFC contract expires, McGregor, or more likely McGregor’s image rights company, will be free to license these rights to McGregor Promotions.
“So, establishing McGregor Promotions now could simply be a forward-thinking move to set himself up for the future.”
What would the rules be?
UFC president Dana White has confirmed that, if the fight goes ahead, it will be contested under boxing rules. “It’s going to be straight up boxing,” he said when asked if the fight could be contested under hybrid rules.
White has confirmed that the contest will be a boxing match (Getty)
There have been rumours that kicks below the waist could be allowed, or that the fight will take place in a cage rather than a ring, but there is little to no chance Mayweather would ever agree to such a rule set.
What are their records?
Mayweather boasts one of the finest records in the history of boxing. After 49 professional fights he has 49 victories, including 26 by knockout. In his 19 year professional career, he was only knocked to the canvas once – by Carlos Hernandez in 2001 – in a fight he won by a unanimous decision.
Mayweather, who was ranked by ESPN as the greatest pound for pound boxer of the last 25 years in 2016, needs just one more win to surpass Rocky Marciono’s flawless record of 49-0.
Mayweather is regarded as one of the greatest boxers of all-time (Getty)
McGregor meanwhile boasts a professional record of 21-3 and a UFC record of 9-1. At UFC 194 he knocked out José Aldo in just 13 seconds to become the UFC Featherweight Champion, and at UFC 205 he knocked out Eddie Alvarez for the UFC Lightweight Championship, to become the first fighter in the history of the company to hold titles in two weight divisions simultaneously.
The Irishman has never been knocked out in his career – with his three professional defeats all coming via submission – and began boxing as a 12-year-old at Crumlin Boxing Club under two-time Olympian Phil Sutcliffe.
How much would the fight make?
The fight would almost certainly be the most valuable fight of all-time. The fight is expected to gross almost 5million PPV buys, which would net a cash windfall of $475m. Sponsorship would likely top $20m, while the projected Nevada betting on the fight stands at $30m.
The fight is however unlikely to rival the amount bet on Mayweather v Pacquaio (Getty)
White has estimated that Mayweather will net up to $100m for the fight, with McGregor slated to earn around $75m. “He [Mayweather] feels like he’s the A-side and he should get more of it. But we haven’t really gotten into that negotiation yet,” White explained back in April.
The real reason that McGregor stands to earn substantially less than Mayweather is because McGregor is locked into his contract with the UFC, as Jake Cohen explains in this article. But this would still be the largest purse of McGregor’s career by a substantial distance.
Who could fight on the undercard?
A number of boxing stars have put themselves forward to feature on the undercard. They include arguably the biggest star currently out there – Great Britain’s Anthony Joshua, who defeated Wladimir Klitschko in front of 90,000 fans at Wembley Stadium in April.
Joshua has expressed an interest in fighting on the undercard (Getty)
“Get me on the undercard!,” Joshua told Mayweather on iFL TV when the pair met at a fan event. “Yeah, why not? It's big,” Joshua added when asked if he would fight on the undercard. “That's legendary shit. That fight will go down in history. It will be part of history.”
Mayweather’s protégé, Gervonta Davis, is another to put himself forward and is eager to fight Tevin Farmer on the undercard. Meanwhile, UFC stars Cub Swanson and Jimi Manuwa have both expressed an interest in featuring, with the former calling out British boxing star David Haye.
“Dana White, Eddie Hearn, let's make it happen,” Manuwa said after knocking out Corey Anderson at UFC London. “Why not have a fight with David Haye? We're two of the hardest hitters in London. I think that the fight makes sense. Conor wants to fight Mayweather, why not have me against David Haye on the same card?”
Have any UFC stars switched sports before?
A number of MMA stars have professional boxing records, including Joe Duffy, who is one of just three men to defeat McGregor inside the cage.
Duffy paused his MMA career after losing to Ivan Musardo at Cage Warriors 44 to embark upon a professional boxing career. He won seven straight fights before switching back to MMA, and eventually following McGregor into the UFC.
“More than anything, I’m a person who doesn’t want to have any regrets,” he said when reflecting on his move into boxing. “When I’m old I want to be able to say that I gave it a go. That’s what it was. I got to fight professionally and I got to spar with some of the best fighters in the world.”
Predictions
Mike Tyson: Floyd Mayweather
Tyson has tipped Mayweather (Getty)
“I don't give McGregor a chance. Him boxing Floyd doesn't make it interesting. If he fought with MMA rules and Floyd boxing, now that would have been interesting. Now that would have genuine intrigue and we'd wonder who is going to win but right now it's like this [squashing motion] but with those rules it'd be totally different.”
Tony Bellew: Floyd Mayweather
Bellew has had his say (Getty)
“It's simple: There is only one winner. I'm a huge MMA fan and a massive UFC fan and a big McGregor. I'm also a Mayweather fan. If these two guys were to get in a cage, it would be over within a minute. But these two guys aren't going to get in a cage, they're going to get in a ring and it will be over whenever Mayweather sees fit.
“Don't talk nonsense to me and say 'oh, he could land a punch'. The best fighters of his era have tried to land that punch, never mind the guy from a cage.”
Sugar Ray Leonard: Floyd Mayweather
Leonard thinks Mayweather will win (Getty)
“It will be successful, financially. But it is not a fight which will please the boxing purists. The fact that we boxers deliver punches is so different to what they do. There's more looping and what have you because they also have to be in position to be able to kick and be on balance to deliver that elbow or whatever shot they have.
“It will be interesting. I'm struggling with words. I'm trying to think how best to describe what could and what would happen. Being just boxing, it's Mayweather by a long shot.”
Joe Rogan: Floyd Mayweather
Rogan thinks people have underestimated McGregor (Getty)
“Mayweather is a way better boxer. There’s just no doubt about it. He’s one of the greatest boxers, if not the greatest boxer that has ever lived. And even though he’s smaller, you’re talking about a completely different level of skill, a completely different level of understanding of the subtle nuances of boxing.
“But that said, McGregor, is not incompetent. He’s very dangerous. Mayweather’s a way better boxer, but McGregor is dangerous as f**k and he has a really deceptive ability to move in and move out. He can cover distance very quickly and he can do so in a weird way.”
Jose Aldo: Floyd Mayweather
Unsurprisingly, Aldo hasn't tipped McGregor (Getty)
“Mayweather has the experience of competing for years in the sport of boxing, so I don’t see how McGregor can win. Of course, it's a fight, but it’s hard for us MMA fighters to go to a different world challenging one of the best in the history. I don’t see a result different than a win for Mayweather.”
Nate Diaz: Conor McGregor…?
Diaz hasn't ruled out a shock McGregor victory (Getty)
“I think it is a publicity stunt but McGregor, when it comes to boxing, is good. He's got a good chance to make something happen in two or three rounds. If anything, he has two or three good rounds.
“He's got an amateur style; he's got good movement and good punches for six or eight minutes... He's got a puncher's chance, if anything.”
Odds
Floyd Mayweather to win: 1/16
Conor McGregor to win: 7/1
Draw: 33/1

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Dana White: McGregor vs Mayweather ‘is Not a UFC Event’
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Dana White talks about when the Conor McGregor vs. Floyd Mayweather fight came together and how this is a Mayweather and McGregor promotion, not a UFC fight.
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Question: Kuwait says responding to oil spill in Ras al-Zour area

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(Reuters) - Kuwaiti authorities on Saturday were working on containing and cleaning up a crude oil spill in the country's southern waters in the Gulf, Kuwait Petroleum Corporation (KPC) said in a statement.
KPC did not give the magnitude of the spill nor its cause but said different services were investigating the incident.
"Emergency oil teams are still working to put an oil spill near Kuwait's southern Ras al-Zour area under control," the statement said, citing Seikh Talal al-Khaled al-Sabah, Kuwait's oil sector spokesman.
"Nearby beaches will be cleaned once power and water plants are secured and the oil spill is put under full control," it added.
Ras al-Zour is where Kuwait National Petroleum Company (KNPC) is building the Middle East's largest oil refinery with a capacity of 615,000 per day and $11.5 billion worth of contracts.
On Friday, Kuwait's Environment Public Authority (EPA) said it was taking all appropriate measures in order to protect water outlets from the oil spill.

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DUBAI, Aug 13 (Reuters) - Here are some factors that may affect Middle East stock markets on Sunday. Reuters has not verified the press reports and does not vouch for their accuracy.
International/Regional
* GLOBAL MARKETS-Global stocks selloff stops at Wall Street; gold, yen tick up
* MIDEAST STOCKS-Kuwait's Zain surges on Omantel move, Egypt falls on high inflation
* Oil prices up amidst higher global demand, Nigeria instability
* PRECIOUS-Gold buoyed by global tensions, U.S. inflation data
* Trump will send envoys to Middle East to discuss peace -official
* Trump administration defends travel ban in U.S. Supreme Court brief
* Iraq's Kurds stick to independence vote despite U.S. request to postpone it
* Islamic State still a threat as Mosul residents return to city in ruins
* Iraq issues tender to buy 50,000 tonnes of wheat
* Iran in talks to buy 48 Airbus helicopters - report
* Russia says "a pity" U.S. casts doubt on Iran nuclear deal
* Iran dismisses Tajik civil war claims as attempt to damage ties
* Soccer-Iran asked to explain dropping players who faced Israeli team
* More Syrians returning home, still outnumbered by fresh displacements - U.N.
* Seven Syrian rescue volunteers killed in shooting
* "Logistics" hold up Lebanese deal for rebels, refugees to return to Syria
* Syrian army secures Islamic State-held town in Homs province-state media
* Syrian army gains ground on Jordan border in southwest
* ANALYSIS-Hezbollah steers Lebanon closer to Syria, straining efforts to stay neutral
* Libyan military commander Haftar visiting Russia - RIA
* More than half a million children in Libya need help -UNICEF
* MSF suspends Mediterranean rescues as migrant dispute mounts
* Yemen's Houthis target coalition warship, agency reports
* U.N. signals not responsible for controlling Yemen's main airport
* Nineteen migrants feared drowned after being forced from boat off Yemen - U.N. agency
* Israel warns Hamas not to try to foil its anti-tunnel Gaza wall
* U.N. urges end to Gaza crisis in punishing summer heat
* Sudan invited to U.S.-Egyptian military exercises - ministry
Egypt
* Egypt inflation surges to 35 pct in July after subsidy cuts
* Average yields drop on Egypt's six-month, one-year T-bills
* Italian tourist held over killing of hotel supervisor at Egyptian resort
* Egypt train crash kills dozens, injures more than 100 people
* Islamic state claimes responsibility for attack on Egyptian police car -AMAQ
Saudi Arabia
* EXCLUSIVE-Saudi Arabia favours New York for Aramco listing despite risks -sources
* Saudi's Falih doesn't rule out more oil cuts but kingdom won't take unilateral action - Al Sharq
* Saudi Falih says talks with Iraq focused on oil pact, investment discussed
* Saudi Arabia tenders to purchase 660,000 T feed barley
United Arab Emirates
* Malaysia's 1MDB says $350 mln paid to Abu Dhabi for debt deal
* Four UAE soldiers die after helicopter crash in Yemen - agency
* UAE jails man for spying for Iran, nuclear work - Gulf press
* UAE's TAQA to refinance $500 mln bond due in October - official
* Abu Dhabi’s Union National Bank updating bond programme - sources
* JBF promoters pledge more equity with lenders as shares slump
* UAE's JBF RAK PET output stalls amid debt restructuring - COO
Kuwait
* Kuwait says responding to oil spill in Ras al-Zour area
* Kuwait says taking measures against North Korea - KUNA
* Kuwait says arrests 12 convicted in 2015 Iran spy case
* Omantel to buy nearly 10 pct of Kuwait's Zain Group for $846.1 mln (Compiled by Dubai Newsroom)


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Question: 8-month-old baby girl dies after she was attacked by pet dog in Florida

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Pitt Bull in a rage .
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An 8-month-old baby girl died Wednesday in Miramar, Fla., after she was attacked by a family dog, local police said.
The infant was in the care of her grandmother at the time of the attack, Miramar Police Officer Yessenia Diaz told USA TODAY.
The family owns three pit bulls — a mother, one male sibling and one female sibling. The grandmother was walking the dogs when the male dog, which police said was 3 or 4-years-old, got away from her and attacked the baby who was bobbing in a bouncy chair in one of the bedrooms.
The family raised the male dog who attacked the child from a puppy. Broward County and Animal Care and Adoption officials removed all three dogs. Diaz said the dog that attacked would "most likely" be put down, but it would depend on the result of an evaluation by animal control experts.
Police withheld the identity of the victim and her family because the parents asked for time to inform other relatives, the Sun Sentinel reported.
Police were the first to arrive. When fire and rescue officials got to the scene, they declared the child dead, Diaz said.
Diaz said that a victims services unit was made available to provide counseling and support not only to the child's family but also to the first responders at the scene.
"Who isn't going to be affected by that, especially when they're looking at the crime scene?" Diaz asked.
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Question: Brother of hit-and-run victim to be compensated

A 23-month-old child, who had not been conceived when his little sister was tragically killed in a hit-and-run accident in Dublin’s Phoenix Park on April 6th, 2015, was awarded “grief money” on Tuesday for her death.
Marcel Siatka was born on May 24th, 2016, one year and 47 days after his sister Vanessa died in what a trial judge then called the worst case of dangerous driving he had ever heard of.
Barrister Conor Kearney, counsel for Marcel and Vanessa’s father Lukasz Siatka, told Judge Terence O’Sullivan in the Circuit Civil Court the Injuries Board had assessed damages of €42,777 to be divided between Vanessa’s surviving family and to include the cost of her funeral.
Mr Kearney, who appeared with Suzanne McDonnell, of McDonnell Solicitors, said the board had not, in its assessment, considered compensation for Marcel as he had not been born at the time of Vanessa’s death.
Judge O’Sullivan heard that, under the provisions of the Civil Liability Act, Mr Siatka had taken a claim on behalf of members of his family, including Marcel. Mr Siatka, of Brandon Square, Waterville, Blanchardstown, Dublin 15, said Vanessa had a brother born more than a year after her death, who was not included in the assessment.
Mr Kearney said the funeral, including a headstone, had cost €7,240 and the solatium, more commonly known as tear money, had been assessed at €14,500 each for Vanessa’s father Lukasz and her mother Katarzyna, with €2,000 each for three grandparents. There were other expenses.
He said it was for the court to approve the assessment and the parents had stated they had no difficulty for compensation, as decided by the court, being shared with Marcel, the brother Vanessa had not lived to know.
Grief
Judge O’Sullivan said it was not a particularly nice exercise to have to divide money between members of the family, but he felt it would be appropriate to mark the fact that Marcel would undoubtedly make inquiries in the future about his sister and would experience grief for her loss.
He said the €6,000 allocated to the three grandparents should be reduced to €1,500 each so as to allow for Marcel to also receive €1,500 and he directed that Marcel’s money be paid into court for his future benefit. He offered the court’s sympathy to the family.
Ciaran Lane, the then 25-year-old hit-and-run driver, of Ashington Avenue, on Dublin’s Navan Road, who pleaded guilty to dangerous driving causing Vanessa’s death, was jailed for seven years, with the final two years suspended, in April 2016 by Judge Patrick McCartan.
Garda Owen O’Doherty, of Cabra Garda Station, told the trial judge the accident happened on Easter Sunday, 2015 at a roundabout in the Phoenix Park. Vanessa, who was 23 months old at the time, had been standing next to her mother, Katarzyna’s parked car, when Lane, now aged 27, in a Toyota Corolla collided with the child at high speed and dragged her for some metres.
The court heard he drove off at speed but gave himself up later to guards in Cabra. During the course of the sentencing hearing evidence was given that Lane had consumed a litre of vodka and two grams of cocaine before taking to the road in his car with two friends that day.
Judge McCartan had heard he had panicked and ignored the pleas of his friends to stop. When he had heard of Vanessa’s death it had hit him “like a ton of bricks”.
In Hit & Run cases accident victims are eligible for compensation through a special fund set up under the Motor Vehicles Act 1988 called the “Solatium Fund”. A portion of the Gross Written Premium is contributed towards the fund every year by both public and private insurers.

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Question: Surrey school district submits ‘urgent’ top 10 project wish list

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In all, district requests $977 million from provincial government for 39 ‘major projects’
The Surrey School District has sent its list of the top 10 most urgently needed projects to the province.
In all, the 2019-2020 Five Year Capital Plan submission requests funding for 39 major projects, “prioritized to meet the district’s urgent need for more space, particularly in fast-growing Surrey neighbourhoods such as Grandview, Clayton and South Newton,” a school district release notes.
The updated five-year capital plan, approved at a Board of Education meeting on June 20, includes $977 million worth of new school spaces, land to build new schools, replacement projects and upgrades.
Topping the list is a new elementary school in the Sunnyside area of South Surrey, followed by a land purchase and new elementary school in South Newton.
Third is another new South Newton Elementary, followed by a replacement and addition to William Watson Elementary.
Fifth on the school district’s list is land being acquired for a new Dart’s Hill Elementary, followed by an addition to Sunnyside Elementary, and addition to Morgan Elementary.
Eighth on the list is to purchase land for a new secondary school in Newton, followed by an addition to White Rock Elementary and finally, another addition to Martha Currie Elementary.
The capital plan also includes a number of minor projects “focused on making facilities more efficient and reducing the district’s carbon footprint.”
Additional funds are requested for a new bus and playground funding.
In all, the district is asking for nearly 4,000 new student spaces in the South Surrey and White Rock area, by way of a new Sunnyside Heights Elementary, additions to Sunnyside and White Rock elementaries and Semiahmoo Secondary.
New school sites are also proposed in this area, including planned Dart’s Hill and Redwood Heights elementaries, as well as a Grandview Heights Elementary replacement.
In Newton, more than 2,700 student spaces are proposed, including a planned new South Newton elementary, and additions to Frank Hurt and Tamanwis secondary schools.
In Cloverdale, the district proposed 1,766 new elementary and 825 secondary student spaces by adding a Clayton Heights Secondary, additions to Martha Currie and Clayton elementaries as well as an addition to North Surrey Secondary. In this area, the district also proposes land be purchased and a new elementary be built in south Port Kells. Land expansion to Clayton Elementary is also planned.
In Guildford, 1,136 student spaces are proposed, including a replacement and eight-classroom addition to William Watson Elementary.
The district also asks for 486 new student space in City Centre, through an eight-class addition to K.B. Woodward Elementary, and a 300-student addition to Kwantlen Park Secondary.

Marcia Love
Mayerthorpe Freelancer
Project and budget deliberations continued in the Town of Mayerthorpe's council chambers on Dec. 6, with council discussing what projects should be prioritized for the future.
The Project Plan Projection was created to support council's 2018 to 2021 strategic goals and includes projects anticipated to carry forward from the previous year. It also outlines major projects slated for the next 25 years, which are mainly comprised of infrastructure replacement and studies.
After council's Nov. 29 budget discussions, several changes were made to the 2018 draft Project Plan Projection.
This included the skateboard park project being moved to 2019, as well as the 50A Street paving and fountain revitalization project.
The Economic Development Project “Local Business Training Session Series” was reduced to $20,000, along with the applicable reduction to the Community and Regional Economic Support (CARES) grant and Lac Ste. Anne County (LSAC) contribution.
The Town has $128,500 from capital and operating reserves earmarked for improvements within the Town Office in 2018. This includes projects such as replacing two furnaces, replacing the server and UPS backup, a new phone system and replacing carpet in the library.
Fire protective services has $157,000 tentatively reserved for upgrades in 2018, comprised of $147,000 to be used for vegetation/fuel management and another $10,000 for breathing apparatus upgrades. In the next three to five years, $500,000 is in the plan for a new fire engine. Long-term planning includes a new fire hall in 16 to 25 years to the tune of $5 million.
For public works, $1.2 million is being carried forward from 2017 for water systems-related work — mainly the water treatment plant upgrade.
Under road and sidewalk work, $239,734 is being carried forward from 2017, topped up with an additional $155,703 proposed in 2018.
Just over $48,000 is being carried forward for economic development. Another $88,500 is proposed for 2018, with priority projects including an agricultural sector study at $30,000 (25 per cent from LSAC, 50 per cent from CARES), $20,000 for a local business training series (25 per cent from LSAC, 50 per cent from CARES), $25,000 to refresh the town branding and marketing slogan and website development, and $10,000 for a Main Street Re-development Plan/Study.
The Town's project plan and budget discussions will continue on Dec. 13 at 7 p.m.


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Question: Need a retirement savings boost? 3 painless ways to retire richer

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Everyone wants to have a financially secure retirement, but to get there, you'll have to save and plan. Just getting started with a retirement savings strategy can be the hardest part of getting on the road to retiring richer.
Once you've begun, though, there are some things you can do to make the journey a little bit easier. The following tips can help you boost your savings without feeling like you're sacrificing and give you the mental shove forward you need to keep up your momentum in striving toward your financial goals.
Glass jar with sticky note labeled Retirement holding cash, on a flat surface next to a calculator.
Getty Images
1. Save half your raises
The best way to save money is before you think you have it. That's a big reason why so many employers have moved toward automatically enrolling their employees in 401(k) retirement plans, because it gets workers into the habit of saving, sometimes without even realizing it.
Yet the problem with most automatic enrollment plans is that they start you out saving only small amounts of your pay, often 3 percent. You can increase that amount yourself at any time, but your take-home pay will go down as a result.
The simple answer: Wait until you get a raise and boost your contributions at that time. For instance, if you get a 2 percent raise, increase your 401(k) contribution rate by 1 percentage point. That way, half of your raise will go toward your retirement, but you'll still get the psychological boost of seeing your paychecks go up.
2. Invest half of your tax refund
When it comes to saving, big chunks of money that you can potentially set aside are few and far between. One area where many people have an opportunity to do this is with their tax refunds. Millions of taxpayers get refunds of $1,000 or more each year. For someone making near the typical household income of around $50,000, saving half of a $1,000 tax refund is the same as boosting your 401(k) contribution by 1 percentage point.
Again, you could save all of your refund instead of half, but where many people get bogged down in their savings strategy is that they get tired of never getting any immediate reward for their efforts. By hanging on to a portion of your refund, you'll get the payoff now while also setting yourself up for future success.
More: Retirement complications: Beware of hidden taxes when the career ends
More: 8 reasons you're overpaying for healthcare
More: 7 in 10 Americans are falling short in this key personal finance area
3. Set aside half your side-job earnings
Working a second job has been a time-honored tradition to save more money, but the rise of the gig economy has made side jobs more popular than ever. With estimates of 40 to 50 million Americans taking on work on the side to earn more money, there are ample opportunities to boost your income.
Admittedly, many people work second jobs because they must in order to make ends meet. But if your most important long-term priority is putting yourself in position to retire as rich as possible, taking a portion of your earnings from a side job can be a great way to supplement the savings from your primary employment and get your retirement nest egg growing that much faster.
Gain without pain
Retiring rich is just a dream for many Americans, but you can make it a reality -- if you're committed to it. Yet saving for retirement doesn't have to be painful. By making incremental changes like the ones mentioned above, you'll be able to reach your financial goals more easily over the long haul.
The Motley Fool has a disclosure policy.
The Motley Fool is a USA TODAY content partner offering financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.
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If you want to be able to cope with life’s little surprises you have to first know exactly where your money is going.
Gail Vaz-Oxlade: Hiding your head in the sand is no way to get on top of debt
Take stock of your debts and devise a plan to pay them off while saving as much on interest as you can.


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Question: Disney Hiring Thousands Of Workers, Offering Bonuses Up To $3,000

ORLANDO (CBS Local) – Disney World is opening up their theme parks, and their wallet, in a search for thousands of summer workers this year. The Florida resort is looking to fill around 3,500 positions and is reportedly offering signing bonuses of up to $3,000 in order to entice part-time employees.
Disney’s annual hiring blitz is in preparation for the summer vacation season and the company is looking to staff a wide variety of jobs including culinary chefs, lifeguards, bus drivers, and housekeepers. Disney began hosting a series of job fairs for these openings on April 23 at the ESPN Wide World of Sports complex, which focused on staffing the resort’s cooking positions.
A lifeguard job fair is scheduled for May 2 at Disney’s Typhoon Lagoon Water Park in Lake Buena Vista. According to the Orlando Sentinel, full-time and part-time lifeguards can get a $1,000 signing bonus in 2018, double the amount from last year.
Disney’s housekeeping job fair is being held on May 9 at the Walt Disney World Resort Casting Center. The company is also accepting applications for these openings Monday through Friday from 9 a.m. to 3 p.m. Eastern Time through May. Housekeepers are receiving bonuses of $1,250 and an hourly wage of $10.50 according to the Sentinel.
Disney World’s neighbor, Universal Studios, is also stocking up on employees for the summer rush. The theme park and resort also announced that they’ll be hiring 3,000 new workers. The resort said in a press release it will be offering workers “competitive salaries and comprehensive benefits packages” as well as other perks like free admission to their park.

This is fantastic !!! Everyone wanted to be a Toys R’ Us kid right?
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Wednesday Edition of Things that make you go hmmmmmm


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Question: Independence Day: What good did the British do for India during the Raj?

In May 2015, Shashi Tharoor, a former undersecretary general of the United Nations and a current member of India’s parliament, gave a stirring speech at a debate in the Oxford Union. He was speaking for the proposition that “Britain owes reparations to her former colonies.” The speech went viral, and Tharoor was perplexed.
“Though I had spoken well enough for my side to win the debate by a two-thirds majority, I knew I had made better speeches that had not acquired a tenth of the fan following,” Tharoor recalls in his latest book Inglorious Empire: What the British Did to India published in India in late 2016 and the rest of the world in early 2017. “I honestly did not think I had said anything terribly new.”
What he may not have realised then is that he had managed to provide not just very succinct and persuasive arguments against the empire but also quantify the scale of its ills. Following which, in a world where nearly two-thirds of Britons believe that the empire was “something to be proud of” and where many Indians seem to think that its overall effect on their country may have been positive, Tharoor felt he could not turn down the “moral urgency of explaining why colonialism was the horror it turned out to be.”
The speech, thus, evolved into Inglorious Empire, in which Tharoor dissects most of the arguments made by apologists for the empire with hard facts and deft writing. On India’s 70th Independence Day, we have selected four of those arguments to remind the world of the cruelty unleashed by British greed. For a detailed read, we highly recommend Tharoor’s book.
1⃣ Without British rule, there wouldn’t have been a political union called India.
The East India Company was created in 1600 to cash in on trading with India, which at the time accounted for more than a quarter of all the trade in the world. It soon realised, however, that its ambitions would be better served with a permanent presence in the country, and then on the trade took off. As the company’s men grew prosperous, they began dreaming of expanding their territory and found little opposition. In some 100 or so years, through a series of conquests and some clever politicking, the company created a rival empire on the subcontinent among the already warring ones (such as the Maratha, Mughal, and Awadh regimes). Today, the argument goes that, had it not been for the British, those rival factions would not have coalesced into a single entity.
This argument stands on two pillars. First, that the British created the idea of a political union called India. Second, that they provided Indians the tools and institutions needed to hold the union together and run it.
The first one falls when you consider history. Indian epics, such as the Ramayana, which culminates in prince Ram’s battle with the demon-king of Lanka, describe India as a single cultural entity. Even in reality, under emperor Ashoka, about 300 BCE, large parts of the subcontinent enjoyed cultural and administrative unity. When people of the region traveled to foreign lands, like those performing the Haj, the hosts considered the travelers, regardless of their religion, to be “Hindi”—Hind being the Persian/Arabic name for River Sindhu or Indus.
The second pillar collapses when you consider what the British did to India.
In their entire 200-year rule, they made up no more than 0.05% of the population. And, yet, for most of that period, no Indian was allowed to join the Indian Civil Service, in part because the British could not bear to take orders from a brown man. When they were finally admitted, more direct racism was in store. High scorers in the civil service examinations were accused of cheating, for how else could brown men do so well. The few who survived the cheating charge, then faced discrimination back home by being barred from the gentlemen’s clubs of the districts they governed.
In fact, the British policy was not to unite but to divide and rule. Under their rule, Tharoor shows, India’s caste system turned rigid and communal lines, particularly those between Hindus and Muslims, turned radical. Nowhere was the application of that singular ethos clearer than when, on their way out, the colonialists partitioned the subcontinent into India and Pakistan.
2⃣ The British gave India democracy, a free press, and the rule of law
“However strongly they denied to Indians, as they had to Americans before 1776, ‘the rights of Englishmen’—the British did instill sufficient dose of the ethos of democracy into their former colonies that it outlived their tutelage,” Tharoor writes. “But the actual history of British rule does not suggest this was either policy or practice.”
A democracy cannot function without a free press and just law. Neither truly existed under the Raj.
The British were the first to establish newspapers in India, catering to a small English-educated elite first, and large audiences in the vernacular languages later. However, alarmed by their proliferation, the East Indian Company passed the Censorship of the Press Act in 1799, subjecting all newspapers to scrutiny before publication. In 1807, all other kinds of publication, too, were brought under this rule.
Once bitten by the bug and with strict adherence to the law not being insisted on over time, Indians continued with the enterprise. By 1875, there were some 475 newspapers in the subcontinent, mostly owned and edited by Indians. Alarm bells rang again, bringing another round of censorship in the form of the Vernacular Press Act of 1878 and the revised Press Act of 1910. Under the latter, publishers were required to provide a hefty security deposit, which they would forfeit if the publication carried inflammatory or abusive articles. The racism of the British-owned press was not subject to the same restrictions.
“The press was free, but some newspapers were freer than others,” Tharoor concludes.
The justice system in India was even more discriminatory. For instance, an Englishmen who shot dead his Indian servant got six months in jail and a modest fine. But an Indian convicted of the attempted rape of an Englishwoman was sentenced to 20 years. “The death of an Indian at British hands was always an accident, and that of a Briton because of an Indian’s actions always a capital crime,” Tharoor writes. “The imperial system of law was, pure and simple, an instrument of colonial control.”
Worse still, the legacy of the British legal system has left India with an unenviable judicial backlog. There are still cases pending that were filed during the days of the Raj. “The court system, the penal code, the respect for jurisprudence, and the value system of justice—even if they were not applied fairly to Indians in the colonial era—are all worthy legacies,” Tharoor writes. “But in the process Britain has saddled us with an adversarial legal system, excessively bogged down in procedural formalities, which is far removed from India’s traditional systems of justice.”
Indeed, if a pluralist democracy were a British legacy, how is it that neither Pakistan nor Bangladesh have pulled off a similar feat?
3⃣ British rule was no better or worse than the despots of earlier empires
Few kings ever rule to benefit their people. And, yet, what the British did to India was decidedly worse.
Consider, for instance, India’s famines during the Raj: Between 1770 and 1947, the oppressed suffered at least 11 major ones and many minor ones, resulting in 35 million deaths. For comparison, Stalin’s purge killed 25 million, Mao’s Cultural Revolution killed 45 million, and World War II killed 55 million.
How can we be sure that the British were to blame for those hunger deaths? Simple. There’s been no major famine in India since independence. Worse still, the British notion at the time was that governmental interference to prevent a famine was a bad idea. The Economist, for instance, attacked an official for letting Indians think “it is the duty of the government to keep them alive.” (The Canadian author, Malcolm Gladwell, has a great episode of his podcast Revisionist History looking at how the worst Indian famine, between 1943 and 1945, was precipitated by British prime minister Winston Churchill.)
The empire’s record of forced migration is no better. On one route, between Kolkata to Trinidad, the proportion of deaths of indentured labourers on ships reached appalling levels: 12.5% of all males, 18.5% of females, 28% of boys, 36% of girls, and 55% of infants. “To make an admittedly invidious comparison, the death of slaves on the notorious ‘Middle Passage’ [the Atlantic slave trade route] was estimated at 12.5%” writes Tharoor. “To be an indentured Indian labourer was to enter a life-and-death lottery in which your chances of survival were significantly worse than those of a shackled African slave.”
Finally, there’s the infamous Jallianwala Bagh massacre. If you were to believe official figures, the British troops fired 1,650 bullets at innocent civilians, killing 379 and wounding 1,137. “Barely a bullet was wasted, Dyer noted with satisfaction,” Tharoor writes. Those who were killed had no idea that suddenly their gathering was suddenly deemed illegal and they received no warning to disperse.
Worse still, Dyer was only found guilty of “grave error” and relieved of his command to retire with a handsome pension. Rudyard Kipling, winner of the Nobel Prize in literature, hailed him as “The Man Who Saved India.” Britons ran a public campaign to honour his cruelty and gave him the equivalent of £250,000 in today’s money (about $325,000). The victims of the massacre received £1,500 in today’s money for each human life.
“It was no longer possible to claim that Dyer did not represent the British in India,” Tharoor writes. “They had claimed him as one of their own—their saviour.”
4⃣ Surely, though, you can’t deny that the British gave us railways, tea, cricket, and the English language
Yes they did, but as you’ve guessed the theme, they were all unintended gifts.
Railways. The British built the railways primarily for themselves, using their own technology and forcing Indians to buy British equipment. Each mile of the Indian railway constructed cost nine times as much as the same in the US, and twice that in difficult and less populated Canada and Australia. The bills were footed by Indian taxpayers and British investors received a guaranteed return on their capital. Freight charges were dirt cheap, and Indians who traveled 3rd class paid for expensive tickets.
Tea. The British desire to end their dependence on Chinese tea prompted them to set up plantations in India. Following many failed attempts, they managed to find a local version that worked. For this, the British felled vast forests, stripped the tribals who lived there of their rights, and then paid Indian labourers poorly to cultivate the cleared areas. Once the tea was ready, it was shipped off to Britain or sold internationally. The little bit left in India was too expensive, until the Great Depression when weak global demand finally let Indians enjoy the delights of the drink.
Cricket. “Yes, the British brought it to us,” Tharoor writes. “But they did not do so in the expectation that we would defeat them one day at their own game, or that our film-makers would win an Oscar nomination for an improbable tale about a motley bunch of illiterate villagers besting their colonial overlords at a fictional 19th-century match (Lagaan, 2001).”
English language. The British made it absolutely clear that it was only taught to serve their own purpose. Lord Macaulay wrote: “We must do our best to form a class who may be interpreters between us and the millions whom we govern; a class of persons Indians in blood and colour, but English in taste, in opinion, in morals, and in intellect.” (This is the same Macaulay who also said, “A single shelf of a good European library was worth the whole native literature of India and Arabia.”)
“That Indians seized the English language and turned it into an instrument for our own liberation was to their credit, not by British design,” Tharoor writes.
The upshot of the empire, as Tharoor puts it, was that “What had once been one of the richest and most industrialised economies of the world, which together with China accounted for almost 75% of world industrial output in 1750, had been reduced by the depredations of imperial rule to one of the poorest, most backward, illiterate and diseased societies on Earth by the time of independence in 1947.”
Inglorious Empire shows in full glory how the British systematically purged India’s riches, destroyed its institutions, and created divisions among its peoples. Worse still, there has been no formal apology for what the empire wreaked on its subjects. Instead, there is rising nostalgia for the empire as nationalism surges in a country that is now three ranks below India in the size of its economy.

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Here is how hard it is to buy a gun in some of the biggest countries around the world.


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Question: Carl Froch vs. Jermain Taylor

Froch was 24-0. Jermaine Taylor was 28-2-1. The fight was scheduled for 12 rounds.
On April 25, 2009 at Foxwoods Resort in Mashantucket, Connecticut, WBC super middleweight champion Carl Froch, from Nottingham, England, fought former WBA/IBF/WBO middleweight champion Jermain Taylor, from Little Rock, Arkansas. Carl the Cobra was undefeated at 24-0. Taylor was 28-2-1, having lost a pair of fights to Kelly Pavlik. The fight, which was part of Showtime’s Super Six Boxing Classic tournament, was scheduled for 12 rounds…

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Lerrone Richards will fight on Merseyside at the end of the month.
The WBO European super-middleweight champion has been out of the ring since winning that title back in November.
Richards, 25, has an unblemished ledger of 10-0 with three early endings in the paid code.
And he will be back in the squared circle on March 31.
He has been added to the undercard of Robbie Davies Jr’s rematch against Michal Syrowatka in which Davies will challenge for the WBA Continental super-lightweight crown at the BT Convention Centre on the Docks.
Mason Cartwright heads up the supporting cast and features on the bill alongside Lee Boyce, Brian Phillips and debutant Jake Barton.
Courtney Chadwick is on the card and there will be action for Rob Beech and both John Gillies and Danny Craven.


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Question: The stakes have never been higher for Wild. It's high time they play like it

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Apparently, it is more comforting to pad the walls at home instead of banging their heads in a St. Louis hotel room for a few days agonizing over how this magnificent season of Stanley Cup aspirations is swirling down the drain of an awful week.
The tattered playbook for confronting 0-3 series deficits offers clichés and rote wisdom like Yoda preaching about conquering the dark side and living to fight another day.
"One shift at a time, you must focus."
"One period at a time, you must win."
"One game at a time, you must take."
Right now, it feels more like keeping up appearances for the patient while completing paperwork with the hospice nurse.
Coach Bruce Boudreau gathered his coaching staff for another video session Monday morning, hoping his best and brightest can strategize Minnesota out of the Blues' choke hold and somehow prove that one of the NHL's most prolific offenses is not a total fraud.
He told his stunned players after their 3-1 Game 3 loss on Easter Sunday to stay home, hoping they disengage from the suffocating pressure and chilling reality that it might be over after Game 4 Wednesday night back at Scottrade Center.
"If you've been in this business long enough, you're not going to take your mind off it; it's an impossibility," Boudreau said during a lonely news conference at Xcel Energy Center. "You live with this 24 hours. You go to bed thinking about it. You wake up in the middle of the night thinking about it. You wake up in the morning thinking about it and how you can correct it."
The nightmare is all-too familiar with this vexing team in this championship-starved market.
Just when you think it is safe to believe, to invest forsaken faith and hard-earned treasure, the 106-point Wild revert to the underperforming, overwhelmed group that has exited meekly in the first or second rounds the last four postseasons.
Sunday's first period was a classic example of the Wild collectively looking for the other guy to stand and deliver. Urgency that produced a dominant performance in a Game 1 loss resurfaced in the second period, when the Wild finally exploited their speed advantage, found a pathway around the Blues' mountainous defensemen and crashed the net for more potent scoring chances.
Finishing, however, remains elusive when it matters most. Deserving has nothing to do with it when you score three goals in three games.
A soft goal allowed, a bad penalty taken, a power-play goal allowed Sunday and Minnesota found itself chasing all over again. The Wild have not had a lead in almost 200 minutes of play.
Goaltender Devan Dubnyk's statistics are rock solid — 1.87 goals-against average and .923 save percentage. Throughout his playoff career here, Dubnyk allows a strange, soft or untimely goal that jabs his team in the nose — not lethal, but yet another hurdle to overcome.
"If I ask my goaltender just to give up two goals a game, we're going to succeed," Boudreau said in Dubnyk's defense. "During the course of the season, one of things we always do or say is 'two goals or two minors or less and we're gonna win.' So far in the postseason, that same thing hasn't happened."
Nothing has happened.
Only two players have scored for the Wild, Charlie Coyle and Zach Parise (twice) — and only once five-on-five goal, and not once in the first period. St. Louis goalie Jake Allen has stopped 117 of 120 shots.
The list of stymied forwards is staggering. No goals for Mikael Granlund, Eric Staal and Mikko Koivu. Zero points from Nino Niederreiter, Jason Pominville, Jason Zucker, Martin Hanzal or Erik Haula. Just two Ryan Suter assists from the defense corps.
That is $27.5 million worth of no goals from Minnesota's top forwards.
"After the type of year we had, this is definitely hard to imagine right now," Staal said after Sunday's loss. "It's playoffs, it's tight, it's a one-shot difference. We're just not capitalizing when we have the chances and then they have."
Cut and paste.
Adversity reveals character. The Wild have proven capable of rallying to extricate themselves out of midseason slumps or making a desperate push to reach the playoffs.
They overcame an 0-2 series deficit to Colorado in 2014, benefiting from pivotal home wins to force a Game 7 Minnesota won in overtime at Pepsi Center.
But the 2017 Blues are a tougher, more driven opponent than those counterfeit Avs, and they smell blood with a chance to vanquish their favored opponents Wednesday night at home.
The Wild got Mike Yeo fired 14 months ago because they quit on him. Yeo and the Blues have shown no quit in their brutally effective game.
Elimination Game 4, on the road. The stakes have never been higher for the Wild.
It is high time they play like it.

Jack Morris makes it into the baseball Hall of Fame and deserves it. Reuvers cannot find what Joe is looking for on the internets. The Viking fans should not be panicked at all. Patrick says it will all work out.


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Question: Consumer Watchdog Proposes New Rules On Payday Lenders

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Many payday lenders could go out of business if rules made final this week by the Consumer Financial Protection Bureau go into effect. But the changes face stiff headwinds from Republicans in Congress.
One new rule would require payday and auto title lenders to determine whether a borrower can afford to repay in full within 30 days. That could thwart a business model that consumer advocates say relies on the rollover of unpaid loans with the accumulation of exorbitant fees and interest rates of 300 percent or more.
The proposed regulations also would limit the number of times a lender can debit a borrower's account without being reauthorized to do so. As The Associated Press writes, "This is because many payday loan borrowers end up over-drafting their bank accounts, which in turn incurs fees" or forces them to close their accounts.
"Too often, borrowers who need quick cash end up trapped in loans they can't afford," CFPB Director Richard Cordray said in a statement. "The rule's common-sense ability-to-repay protections prevent lenders from succeeding by setting up borrowers to fail."
Investopedia writes:
"Payday lenders offer short-term cash loans in exchange for a postdated check, usually dated for your next payday. The amount of the check includes the loan total and a finance charge. For example, you write a check for, say, $115 to receive a $100 loan. Given a two-week loan term, which is fairly standard, the $15 finance charge works out to an APR of nearly 400%, and this assumes you pay back the loan on time."
But a 2014 study by the CFPB found that the vast majority of payday loans are not paid back on time: More than 80 percent are rolled over or followed by another loan within two weeks. The study found that 15 percent of new loans "are followed by a loan sequence at least 10 loans long."
"Payday and car title lenders profit from repeatedly dragging hard-pressed people deeper and deeper into debt, and taking advantage of families when they are financially vulnerable," said Lisa Donner with Americans for Financial Reform. "Curbing the ability to push loans that borrowers clearly cannot repay is a key protection."
However, the Financial Services Association of America, a trade group that represents the $39 billion industry, says the rule would devastate an industry that serves 30 million to 40 million customers a year.
"Taking away their access to this line of credit means many more Americans will be left with no choice but to turn to the unregulated loan industry, overseas and elsewhere, while others will simply bounce checks and suffer under the burden of greater debt," says Ed D'Alessio, the group's executive director.
The CFPB estimates that loan volume for the industry could be cut in half and that many of the 16,000 payday lender stores in 35 states will be forced out of business. Fifteen states have effectively banned such lenders.
Along with finalizing the proposed CFPB rule, the Office of the Comptroller of the Currency on Thursday lifted restrictions that kept banks from making small-dollar loans, Reuters reports.
The payday rule would not go into effect until 2019 and still could be rolled back by Congress.
The CFPB, created under the Obama-era Dodd-Frank Wall Street Reform and Consumer Protection Act, has been in the cross-hairs of the Trump administration and Republicans lawmakers who say it saddles businesses with excessive red tape.
In February, Sen. Mike Rounds, R-S.D., introduced a bill to cut funding to the CFPB. In June, House Republicans voted overwhelmingly in favor of a bill pushed by Texas GOP Rep. Jeb Hensarling to weaken the bureau and roll back the Dodd-Frank act.
According to an opinion poll published in April by the Pew Charitable Trusts, 70 percent of 1,205 American adults surveyed want more regulation of payday lenders.

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Good morning, here are our early stories:
-- Iran's Foreign Minister: Renegotiating Nuclear Deal Would Damage U.S. Credibility.
-- Border Patrol Agent Acquitted In 2012 Fatal Shooting Of Mexican Teen.
-- Prince's Family Files Wrongful Death Suit Against Hospital, Pharmacy Chain.
-- Facebook Updates Community Standards, Expands Appeals Process.
And here are more early headlines:
Report: Confirmation Hearing To Be Delayed For V.A. Nominee. (Washington Post)
Suit Filed Against New Indiana Abortion Law. (Indianapolis Business Journal)
Government Seeks E-Coli Source In Contaminated Lettuce. (Washington Post)
Despite Government Action, Nicaragua Protests Continue. (Los Angeles Times)
New Afghanistan Attacks Leave 9 Dead. (RFE/RL)
Ukrainian Agency Hit By Ransomware. (Reuters)


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Question: Kurdish-Led Forces Kill 10 Daesh Militants Near Northern Syrian City of Tabqa

© AFP 2017/ Delil Souleiman Female Kurdish Commander Sheds Light on New Phase of Raqqa Operation
MOSCOW (Sputnik) — According to the Firat news agency, the heavy weaponry attack took place at 5 a.m. local time (02:00 GMT) on Tuesday while sporadic clashes in the area are ongoing.
In November 2016, the SDF, which predominately consists of Kurdish fighters but also includes members of the Syrian Arab Coalition, launched an operation called the Wrath of Euphrates to seize control over Syria's Raqqa, the de facto Daesh capital. Al-Tabqa is located some 27 miles to the east of Raqqa.

With power now consolidated under firmly under his control, Turkey’s Sultan Erdogan wasted no time instructing his proxy rebel army in Northern Syria to begin their campaign to wipe out SDF Kurdish forces.
The Kurdish-led Syrian Democratic Forces (SDF) pose an existential threat to Turkey, more than ISIS ever will, and with the recent referendum in his rear view mirror, Erdogan can now focus forward in his push to prevent any Kurdish state from taking hold in Norther Syria.
AMN News reports…
Turkish-backed rebels launched a surprise attack against the Kurdish-led Syrian Democratic Forces (SDF) on late Monday evening, targeting the latter’s positions in the northern countryside of the Aleppo Governorate. According to local activists in the Afrin Canton, clashes were reported at several axes in northern Aleppo, including the area around Umm Hawsh, Qastal Jand, Zawiyan, and the Sahba Dam.
Heavy clashes are being reported. This attack would fall inline with Erdogan’s pledge to never allow Kurdish forces to set up an autonomous region under the belly of Turkey.
NOW! Turkey Backed Rebels attacking SDF on several fronts, heavy clashes ongoing in Şehba Dam, Semûqa, Zewyan, Hasiya, Om Hosh & Qastal Jend
NOW! Turkey Backed Rebels attacking SDF on several fronts, heavy clashes ongoing in Şehba Dam, Semûqa, Zewyan, Hasiya, Om Hosh & Qastal Jend pic.twitter.com/tNRXHp1clo — Res Publica (@_paulo34) April 17, 2017
The Duran readers: What do you think?


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Question: PRESS DIGEST- New York Times business news - Dec 12

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Dec 12 (Reuters) - The following are the top stories on the New York Times business pages. Reuters has not verified these stories and does not vouch for their accuracy.
- Germany's domestic intelligence agency has accused China of using LinkedIn and other social media sites to infiltrate the German government, a charge that the Chinese government promptly denied. (nyti.ms/2jQIxuR)
- The U.S. Treasury Department released a one-page analysis of the nearly 500-page Senate tax bill on Monday that suggested the $1.5 trillion plan would more than pay for itself, assuming the economy grows much faster than any independent analysis of the bill has projected. (nyti.ms/2z2H4th)
- HSBC Holdings Plc on Monday said that the United States authorities were preparing to dismiss criminal charges against the bank, five years after it reached an agreement to avoid prosecution related to lapses in its money-laundering controls. (nyti.ms/2jwAAhr)
- Volvo AB is putting video cameras into cars equipped with its latest driver-assistance features and giving them to five families, aiming to gather data that will help develop fully autonomous cars for highway use by 2021, Marcus Rothoff, a Volvo executive, said at an event on Monday. (nyti.ms/2AwpUGY) (Compiled by Bengaluru newsroom)

April 10 Canada's main stock index futures were little changed on Monday as investors remained cautious amid rising global geopolitical tensions.
U.S. military strikes against Syria last week over its alleged use of chemical weapons are a warning to other nations, including North Korea, that "a response is likely" if they pose a danger, U.S. Secretary of State Rex Tillerson said on Sunday.
June futures on the S&P TSX index were down 0.03 percent at 7:15 a.m. ET.
Canada Mortgage and Housing Corp is scheduled to release its annualized housing starts data for March at 8:15 a.m. ET. .
Canada's main stock index dipped on Friday as financial and natural resource shares lost ground, while concerns about escalating geopolitical tensions after U.S. missile strikes in Syria prompted a risk-off sentiment among investors.
Dow Jones Industrial Average e-mini futures were up 0.05 percent at 7:15 a.m. ET, while S&P 500 e-mini futures were up 0.05 percent and Nasdaq 100 e-mini futures were up 0.06 percent.
(Morning News Call newsletter here ; The Day Ahead newsletter here)
TOP STORIES
Shares of Barrick Gold could rise 30 percent in the next year as the gold-mining company, which began restructuring three years ago, develops new projects and increases production, according to the April 10 edition of Barron's.
In Beijing's latest push to attract foreign investment into the country's $9 trillion bond market, China's state-owned clearing house said on Saturday that it will work with Canada's TMX Group to expedite cross-border investments.
ANALYST RESEARCH HIGHLIGHTS
Canada Goose Holdings Inc: Wells Fargo starts coverage with "outperform" rating
Hudson's Bay Co: BMO cuts target price to C$31 from C$35
COMMODITIES AT 7:15 a.m. ET
Gold futures: $1249.80; -0.36 percent
US crude: $52.63; +0.75 percent
Brent crude: $55.72; +0.87 percent
LME 3-month copper: $5781.50; -0.9 percent
U.S. ECONOMIC DATA DUE ON MONDAY
10:00 Employment Trends for Mar: Prior 131.4
FOR CANADIAN MARKETS NEWS, CLICK ON CODES:
TSX market report
Canadian dollar and bonds report
Reuters global stocks poll for Canada
Canadian markets directory ($1= C$1.34) (Reporting by Nikhil Kumar in Bengaluru; Editing by Saumyadeb Chakrabarty)


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Question: Houston streets flood again, dampening July 4th celebrations

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Cars drive through high water on the exit ramp to southbound 610 from eastbound Interstate-10 on Wednesday, July 4, 2018, in Houston. Heavy rains that flooded some Houston streets on July Fourth are expected to subside. (Michael Ciaglo/Houston Chronicle via AP) ORG XMIT: TXHOU203
Michael Ciaglo, AP
Houston was under siege and under water Wednesday as storms drenched the region with up to eight inches of rain.
More storms were forecast Wednesday night, and authorities canceled the Freedom Over Texas concerts because of the weather. Mayor Sylvester Turner warned residents that flooding was rampant throughout the city.
"Do not put yourself in a position that will put yourself and others in danger," he said on Twitter.
Authorities are wary about storms after the damage wrought by Hurricane Harvey, which blasted Texas, Louisiana, Florida and other states in the region in August. That storm, one of the worst on record, caused more than $100 billion in damages.
"Today’s event gave us a trial run to be prepared," Turner said. "Our operations have been a lot smoother, and we still have some fine tuning to do."
Dave Samuhel, senior meteorologistat AccuWeather, said some areas near downtown Houston were hit with 4-6 inches of rain, with one or two spots registering 8 inches.
"It was very intense earlier, with some areas seeing three or four inches of rain in an hour," he said.
The city's main fireworks show will go on as planned. But no one is allowed on site, meaning fans must watch the fireworks from home or nearby neighborhoods.
Turner said he was a "kid at heart" and rarely will sign off on canceling fireworks.
"The show allows us to pay homage to those who have paid the ultimate sacrifice so we can enjoy the freedoms we cherish everyday," he said.
Harvey also brought infamy to little Nederland, Texas, near the Louisiana border when one location near the town of about 20,000 was walloped with 60.58 inches of rain. That broke the record for the greatest rainfall amount ever recorded in the Lower 48 from a single storm, WeatherBug reported.
Copyright 2017 USATODAY.com

Children ride on the back of a golf cart during the sixteenth annual Harper Street Parade on July 4, 2018 in Newberry, South Carolina. Getty Images/Sean Rayford
Americans across the country celebrated Independence Day on Wednesday, ringing in the country's 242nd birthday with time-honored traditions like parades, barbecues, parties, citizenship ceremonies, and hot dog eating contests.
Though much of the country endured stifling temperatures — NBC reported that some 98 million people were under heat advisories or warnings — the celebrations went on.
Even before the annual nighttime fireworks were set to begin, Americans kicked off their Fourth of July festivities this year with a bang. Here's how the day unfolded:


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Question: Ammo seller to Las Vegas killer arrested on federal charge

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Douglas Haig, an Arizona man who says he sold tracer ammunition to the gunman in October’s Las Vegas massacre, was arrested Friday on a charge of manufacturing and selling armor-piercing bullets in violation of federal law.
A criminal complaint alleges two unfired .308-caliber rounds found in gunman Stephen Paddock’s hotel room had Haig’s fingerprints on them as well as tool marks from his workshop. The bullets in the cartridges were classified as armor-piercing, the complaint says.
The FBI on October 19 searched Haig’s Mesa home and seized ammunition the agency says is classified as armor-piercing, the complaint said. Haig did not have a license to manufacture armor-piercing ammunition, documents said.
Police say Paddock opened fire on October 1 from his room at Las Vegas’ Mandalay Bay hotel onto a crowd attending a music festival, killing 58 people and shooting and injuring 422 others. More than 850 others suffered other injuries in the attack.
Haig, 55, appeared in court Friday and was released on this own recognizance with specific conditions not spelled out in court proceedings. He is due in court again February 15 for a preliminary hearing.
The maximum penalty for manufacturing illegal ammunition is five years in prison and a $250,000 fine.
Haig’s attorney, Marc J. Victor, told CNN he had no comment. CNN affiliate KNXV caught up with Victor outside court, and the lawyer said he couldn’t say anything because of the ongoing case.
“My first obligation and only obligation is to my client,” he told KNXV.
Haig named as person of interest in documents
Haig was publicly linked to the Las Vegas investigation on Tuesday when a judge unsealed months-old police search warrant records that named him as a person of interest.
In a Friday morning news conference before his arrest, Haig, responding to the documents’ release, said he sold tracer ammunition to Paddock. Tracer ammunition produces a flame that lets a shooter follow a bullet’s path for precise aim.
He did not describe the ammunition as armor-piercing. Victor, at the same news conference at his Phoenix-area office, said the ammunition that Haig sold Paddock “was not modified in any way … from manufacturer’s specs.”
Haig said he had no other dealings with Paddock and never saw anything suspicious in their brief interactions.
Haig also said at the news conference that he received death threats after his name was revealed this week.
He stressed that his sale made “no contribution” to the killings since Paddock didn’t appear to have fired tracer rounds.
“I hope today ends (the death threats), when people realize that I wasn’t in collusion with Paddock — that I was not in any way, shape or form associated with the horrible crime that he committed,” Haig said.
Investigators recovered tracer rounds from Paddock’s room, two law enforcement sources told CNN in October.
But there was no evidence the tracer rounds were used during the attack, according to the sources, who requested anonymity because they were not authorized to speak publicly about such details.
Authorities have repeatedly said Paddock, who investigators say died of an apparent self-inflicted gunshot wound, was the only shooter.
Seller’s reaction to massacre: ‘Revulsion’
Haig, an aerospace engineer and part-time ammunition reseller, said he sold 720 rounds of surplus US military tracer ammunition to Paddock at his Mesa home in September after Paddock approached him at a Phoenix gun show.
The ammunition, he said, was:
• 600 rounds of 7.62mm NATO, M62, tracer ammunition, manufactured by the Lake City Army Ammunition Plant in Independence, Missouri.
• 120 rounds of 5.56mm M196 tracer ammunition, manufactured by the same plant.
He said the 5.56mm rounds were in their original packaging. He did not comment on the 7.62mm rounds’ packaging.
Before the sale, Paddock told him “that he was going to go out to the desert and put on a light show” with the ammunition — that he was “going to go out and shoot it at night with friends.”
Paddock arrived at Haig’s home “very well-dressed, very well-groomed, very polite, very respectful,” Haig said.
“At no time did I see anything suspicious or odd or any kind of a tell, anything that would set off an alarm,” he said.
Victor said police found his client’s name and address on a box that Paddock had — a box that Haig gave him to carry the tracer rounds he had bought.
Haig said he learned of the massacre when authorities contacted him at work the next morning.
“Revulsion,” Haig said of his reaction. “Sickness. Horror that this man would do something like that.”
Haig spoke with investigators four times after the shooting, and has been “fully cooperative,” Victor said.
“This was a routine transaction to purchase a routine type of ammunition that is available in many different retail outlets throughout the state of Arizona,” Victor said. “After that transaction, Doug had absolutely no further contact with Mr. Paddock.”
Timeline of the sale
A Nevada judge on Tuesday unsealed police search warrant records — prepared shortly after the shooting — that mentioned two persons of interest in the case. The judge released the documents after CNN and other media outlets sued to obtain them.
One person of interest, whom police had named previously, was the killer’s girlfriend, Marilou Danley. Authorities subsequently cleared her publicly.
The second name was redacted. But the Las Vegas Review-Journal reported it had a version of the search warrant that named, without redaction, Haig as that second person. The documents didn’t explain why he was a person of interest.
Las Vegas police officials told CNN the department couldn’t comment on Haig or any names, and referred questions to federal authorities.
Haig held Friday’s news conference to protect his reputation, he and his attorney said. They gave the following timeline:
• Paddock first approached Haig’s table at a Las Vegas gun show sometime last year but met another person who was behind the table.
• Haig first met Paddock at a subsequent Phoenix gun show, where he was selling ammunition.
• Paddock took Haig’s business card because the seller didn’t have the quantity of trace ammunition that he wanted.
• Paddock later called Haig three times to arrange a sale at Haig’s home.
• In September, Paddock arrived at Haig’s home, bought the tracer ammunition and drove away.
Death threats
Haig said he’s received death threats since the search warrant documents were released Tuesday.
“One woman (was) screaming through my door that I should be killed and I should die,” he told reporters at Friday’s news conference. “It’s been not a lot of fun, quite frankly.”
Haig added, “I had no contribution to what Paddock did. I had no way to see into his mind.”
Sheriff has said feds are investigating someone
When the search warrant documents were released this week, Clark County District Court Judge Elissa Cadish allowed a small portion of those records to be redacted because “there is an ongoing investigation regarding charges against another individual, arising out of information obtained in connection with the … shooting, but not directly related to the shooting.”
In response to a question from CNN in January, the Clark County sheriff, Joe Lombardo, said federal authorities are investigating a person in the case. That person could face federal charges not directly related to the shooting within the next 60 days, the sheriff said January 19.
Lombardo didn’t disclose the person’s name, saying those details were “under federal grand jury disclosure” rules.
On Friday morning, before his arrest, Haig answered a reporter’s question about whether he believed he was that person.
“No. I don’t think it’s me at all,” Haig said.

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A law enforcement official says there's no indication a man identified in court documents as a "person of interest" after the Las Vegas massacre committed a federal crime or had any involvement or knowledge of the mass shooting.
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Nearly 30 more women and girls have confronted disgraced former sports doctor Larry Nassar in a Michigan courtroom as he awaits another sentencing for sexual assaults under the guise of medical treatment
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(AP Photo/John Locher, file). FILE-In this Oct. 16, 2017, file photo,,photos and notes adorn a wall at the Las Vegas Community Healing Garden in Las Vegas. The garden was built as a memorial for the victims of the recent mass shooting in Las Vegas. Two...
(Las Vegas Metropolitan Police Department via AP, File). FILE - This October, 2017 file photo released by the Las Vegas Metropolitan Police Department Force Investigation Team Report shows the kitchenette in the hotel room of Las Vegas gunman Stephen P...
By JACQUES BILLEAUD
Associated Press
CHANDLER, Ariz. (AP) - An Arizona man who sold ammunition to the gunman who carried out the deadliest mass shooting in modern U.S. history was charged Friday with manufacturing armor-piercing bullets, according to court documents.
Unfired armor-piercing bullets found inside the Las Vegas hotel room where Stephen Paddock launched the Oct. 1 attack had the fingerprints of ammunition dealer Douglas Haig, according to a criminal complaint filed in federal court in Phoenix. It says Haig didn't have a license to manufacture armor-piercing ammunition.
Haig has acknowledged selling 720 rounds of tracer ammunition to Paddock in the weeks before the shooting that killed 58 people. Tracer bullets contain a pyrotechnic charge that illuminates the path of fired bullets so shooters can see whether their aim is correct.
The criminal charge involves another type of ammunition - armor-piercing bullets.
The documents don't say if any ammunition tied to Paddock was used in the attack. Las Vegas police wouldn't say whether armor-piercing bullets were used in the shooting but referred to a preliminary report saying some rifle magazines were loaded with armor-piercing ammunition.
Haig, a 55-year-old aerospace engineer who sold ammunition as a hobby for about 25 years, was charged 35 minutes before holding a news conference where he said he didn't notice anything suspicious when he sold the tracer rounds to Paddock.
Haig told investigators that when Paddock bought the ammunition at his home in suburban Phoenix, Paddock went to his car to get gloves and put them on before taking the box from Haig, the complaint said.
"I had no contribution to what Paddock did," Haig told reporters earlier Friday, adding that there was nothing unusual about the type or quantity of ammunition the shooter bought. "I had no way to see into his mind."
A phone message left for Haig's attorney, Marc Victor, wasn't immediately returned.
The two armor-piercing bullets found in Paddock's hotel room with Haig's fingerprints had an "incendiary capsule" on their noses, the documents said. A forensic analysis of those two bullets had tool marks consistent with the equipment in Haig's backyard workshop, according to the complaint.
It also alleges that FBI agents searching Haig's home on Oct. 19 found armor-piercing ammunition.
The complaint said Haig sold such bullets in more than 100 instances to customers across the United States, including Nevada, Texas, Virginia, Wyoming and South Carolina.
He appeared in court Friday and was released under the condition he not possess guns or ammunition. If convicted, he could face up to five years in prison and a fine as high as $250,000.
Haig and his business partner, whose name wasn't provided, sold 40 to 50 rounds of incendiary rounds to Paddock in late August at a Las Vegas gun show, according to the complaint.
The next month, Haig said he met Paddock at a Phoenix gun show and that he was well-dressed and polite.
He didn't have the quantity of tracer ammunition on hand that Paddock was seeking, so Paddock contacted him several days later and lined up a sale at Haig's home.
Haig said he was shocked and sickened when a federal agent informed him of the massacre 11 hours after it unfolded.
Haig's lawyer said they held the news conference in a bid to protect his reputation after he was revealed earlier this week to be a "person of interest" in the investigation. Haig's identity emerged by mistake after his name was not redacted in court documents.
A law enforcement official previously told The Associated Press that investigators don't believe Haig had any involvement or knowledge of the planned attack when he sold ammunition to Paddock. The official wasn't authorized to discuss an ongoing investigation and spoke on condition of anonymity.
Haig arose in the investigation when a box with his name and address was found in the Mandalay Bay hotel suite where Paddock opened fire on a music festival below.
He gave the box to Paddock to carry the 720 rounds of tracer ammunition from the sale.
Haig said Paddock told him that "he was going to go out to the desert to put on a light show, either with or for his friends. I can't remember whether he used the word 'with' or 'for.' But he said that he was going out at night to shoot it with friends."
Haig, who has closed his ammunition business, said he has received unwanted media attention and death threats since his name was released.
The FBI didn't immediately respond to a request for comment. The U.S. Bureau of Alcohol, Tobacco, Firearms and Explosives referred questions to the U.S. attorney's office in Las Vegas, which declined to comment.
___
Associated Press writers Michael Balsamo in Los Angeles and Regina Garcia Cano in Las Vegas contributed to this report.
___
Follow Jacques Billeaud at www.twitter.com/jacquesbilleaud . His work can be found at https://www.apnews.com/search/jacques%20billeaud .
Copyright 2018 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.