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Home » Real-Time Payments Now as Popular as Cash in Southeast Asia as Pandemic Accelerates Digitization of Payments, New ACI Worldwide Research Reveals
Real-Time Payments Now as Popular as Cash in Southeast Asia as Pandemic Accelerates Digitization of Payments, New ACI Worldwide Research Reveals
Real-time payments are now as popular as cash as a payment method for consumers in Southeast Asia, according to new research from ACI Worldwide and YouGov. Three out of five consumers (61%) in Indonesia, Malaysia, Thailand and Singapore prefer real-time payments as a favored way to pay in 2021, level with cash (61%) and higher than other payment categories, including digital wallets requiring cash or card top-ups (56%) and credit cards (30%).
This shift towards real-time payments has been dramatically accelerated by changing payment necessities and preferences caused by the COVID-19 pandemic. Almost a third (30%) of consumers in Southeast Asia have reduced usage of traditional payment methods such as cash, credit cards and debit cards since the onset of COVID-19. As a result, over half (53%) are now using real-time payments more frequently than they were prior to the pandemic.
Due to rapid technological change, consumers now expect mobile-first and real-time experiences — however, payments have often lagged. The development of real-time payment systems enables consumers, merchants and financial institutions to pay friends and customers, settle bills, and transfer money instantaneously. While cash has always represented an "immediate" mode of payment, the advent of real-time payment rails brings this concept into the digital age with faster settlement periods, notifications and consolidated reporting.
"This fundamental shift in consumer demand and payment expectations sets forth a challenge for Southeast Asia's banks, financial institutions and merchants," said Leslie Choo, managing director – Asia, ACI Worldwide. "These organizations can ill-afford to put their modernization projects on hold, despite the challenges caused by COVID-19. On the contrary, they can drive growth by joining the region's emerging real-time payments ecosystem, which will improve their ability to innovate and transform while reducing the cost of infrastructure and operations."
The ACI Worldwide and YouGov study also reveals how consumers across Southeast Asia expect the benefits of using real-time payments in their domestic markets to extend across borders once they begin to travel internationally again, as well as when they shop cross border. For future international travel, consumers have elevated expectations for the transparency, safety and convenience of their payments when compared to their travel experiences pre-COVID-19:
More than half (54%) of consumers in Southeast Asia who have travelled internationally in the past expect their usage of real-time payments to increase when they next travel.
70 percent say the ability to use their preferred payment methods while travelling will be more important now. As a result, a quarter (26%) expect their usage of traditional payment methods such as cash to reduce when they next travel.
Three quarters (75%) say payment safety and fraud prevention are more important now, while more than two thirds (67%) say transparency of interchange rates is now of greater importance.
While the number of consumers in Southeast Asia who are making international eCommerce purchases has increased over the past year, consumers are looking for further guarantees about payments to encourage them to do so more in the future:
Almost a quarter (23%) of consumers are shopping more at merchants based in other Southeast Asia countries since the start of the pandemic, while a similar number (22%) are shopping more in stores outside of Southeast Asia.
The most popular factors that encourage these shoppers to purchase products and services more regularly from international sellers are:
Reassurance that payment and personal data are safely transmitted, secured and stored by international sellers (36%)
Ability to pay with preferred domestic payment method (25%)
Having a wider range of payment options than is available at present (21%)
"A focus on payments modernization is vital for financial institutions that want to ride the wave of the region's biggest and most transformative payments trend — the emergence of a cross-border, real-time payments ecosystem," added Choo. "Unencumbered by legacy payment systems that can impede innovation in mature markets, countries in Southeast Asia can leverage robust domestic central payment infrastructures as the foundations for cross-border real-time payments, which will be a catalyst for growth and trade in the coming years."
Find out more about consumer real-time payment preferences, and about how financial institutions and merchants in Southeast Asia can become real-time-ready, in the full report: Real-Time Goes Mainstream
Methodology: The YouGov study was conducted during April 2021 on a nationally representative basis across Indonesia (2,000 consumers), Thailand (2,000 consumers), Singapore (1,000 consumers), and Malaysia (1,000 consumers.
Leslie Choo


Lucrative small businesses can rapidly fail if they lack cash. Likewise, struggling unprof small businesses can be kept afloat for a long period of time if they have a good cash balance. To puts it simply, cash is the life blood of American small businesses.
Sadly, most of big city and small town standard loan providers have stiff and rigorous requirements that their customers must fulfill.
Companies have a different credit rating from business owner. Even if business owner has a high credit score, business may not have a recognized credit rating (particularly if newly established). Therefore, potential lenders need to offer solutions with that take business owner's personal credit into factor to consider which accepts candidates with less than ideal credit.
Often, physical lending institutions only service businesses doing 20k or more in monthly earnings. This disqualifies smaller sized services doing 10k-15k in monthly earnings.


Feldesman Tucker Leifer Fidell LLP is pleased to announce that it has named Jennifer A. Davison as a partner.
In her more than eight years as a Family Law attorney at the firm, Jennifer has received rave reviews from the many clients who have benefitted from her superb legal skills, persistence, and focus on the best possible outcome for each client. The Family Law Group will be enriched by Jennifer's additional contributions as a partner of the firm.
Jennifer holds a J.D. from George Washington University Law School and a B.A. from Brandeis University. She also performs pro bono work around the Washington, D.C. area in order to assist clients who could not otherwise afford legal services.


During the Internet revolution of the late '90s, a well-known investor at a "Keiretsu Forum" boldly proclaimed that the division of the Internet landscape was akin to the great land grab of the 19th century. "In two years it will all be over," he predicted. He was right, but for precisely the wrong reason. Two years later the dot-com bubble had burst, leaving in its wake a shattered economy.
Each of the last three decades has ended in significant recession. The '80s ended in a downturn caused largely by the collapse of the commercial real estate market. The aforementioned collapse of the New Economy at the end of the twentieth century was spurred by wild speculation in technology companies. Now we have a worldwide recession caused in large part by the credit crisis. Each downturn feels somehow deeper and more troublesome than the last. Yet if history is a teacher this downturn too shall end. The question is how to survive, and even thrive, in this New New Economy. As with many complex problems, there is no simple or single solution. However, a careful analysis of the current landscape and developing a strategy around your company's assets and liabilities is an important starting point.
Tough economic times raise difficult legal issues, such as the increased risk of shareholder litigation. As more companies face financial uncertainty, officers and directors must clearly understand their obligations and act accordingly. Officers and directors owe a company and its shareholders due care, good faith and loyalty. Failure to uphold such duties can expose directors to personal liability for damages. This risk is particularly acute for venture capital and other private equity professionals.
In the last major downturn, the courts expanded their definition of creditors. The rationale was that in situations where a company is insolvent or on the brink thereof, such company's equity is worthless and it is the company's creditors that bear the risk of poor management decisions. Since many companies that were entirely solvent just months ago now teeter on the brink of insolvency, the risks of serving as a director have increased dramatically.


Once your order has shipped, you will receive an email letting you know. This can sometimes end up in your spam/junk folder so be sure to check there!
How long does it usually take for the shipment to arrive?
Shipping usually takes between 4-6 weeks, Sometimes arrival can be delayed longer if there is a Holiday, or unforeseen circumstances.
This depends on, if the product is ready to ship or is still in production. It can vary between the next day, next week, and 2+ months, once the manufacture is finished. Manufacture usually takes a month, since we do bulk manufacture. If an item is not ready for shipping this should be displayed on the item in the store. We want the rewards to be delivered in months, rather than delivering it after a year like other crowd funded projects.
Once your item is shipped, you will receive an email with tracking no, order details, which you can use, to track shipment.
What do I do if my item is stuck in Customs?
Contact twsupport (@) starneteclipse.com and we can send you an invoice for the item to provide.
What do I do if my item does not arrive in the 4-6 week time frame after shipping?
Contact twsupport (@) starneteclipse.com. We will take a look at the order and make sure the information looks correct. We may ask you to wait a few weeks, to be sure the item is not delayed, but we are happy to help if need be.
In case of doubts about details you have provided us for sending the shipment, you have time until we generate shipping order invoice to make changes. Beyond this we will not be able to help. For any such changes please write to twsupport (@) starneteclipse.com.
I've read all the FAQ but still can't find the answer I need.
We have put together some of the repeated FAQ's trying to answer the common people. If you still not getting solution for your problem please contact our support.


Of all the ways you can cook bacon—including on a skillet or griddle, in the microwave, or even in a deep-fryer—it turns out that the very best way of all is to bake it in the oven.
Bacon is fatty, so it needs to be cooked slowly, at a low temperature, so that most (but not all) of the fat renders away while leaving the finished product crispy and golden brown.
And you can try to do that in a skillet or a griddle, but there are a couple of problems.
One, an average skillet isn't wide enough to accommodate whole slices of bacon. They'll just crowd each other and end up sticking together.
But even if your skillet or griddle is extra-wide (or you decide to cut your bacon in half), you're still cooking the bacon from below, which is more likely to cause it to scorch. So it turns out crumbly rather than crispy.
You're also going to have to flip it so that both sides of the bacon are cooked. Flipping bacon isn't a major challenge, but I think we can agree that having to flip your bacon is more difficult than NOT having to flip it.
Plus, cooking bacon on the stovetop uses up one of your burners (or maybe two if you're using one of those double-burner griddles), which means you have less room for making your eggs, home fries, Hollandaise sauce, or even just boiling water to make coffee.
Finally, cooking bacon on the stovetop is messy—bacon fat is going to spatter all over the place, maybe even onto you.
Anyone of these—the fact that it's easier, that it frees up space on your stovetop and is a lot less messy—would be reason enough to cook your bacon in the oven.
But it so happens that those are only side benefits because bacon cooked in the oven is the best bacon you'll ever have. The oven cooks it evenly so that it comes out crispy and, yes, perfect.
Do NOT Preheat Your Oven!
So here are the steps. But let us first give you a heads-up that the most important part of this technique is putting the bacon into a cold oven. Don't preheat! Starting with a cold oven ensures that the bacon will cook slowly like it needs to.
Arrange the bacon slices on a sheet pan and place the pan on the center rack of a cold oven. (Try not to stretch the slices out. Just gently drape the bacon across the pan.) Close the oven door. Turn the oven on to 400 F. Walk away.
Come back 17 to 20 minutes later. As soon as the bacon is golden brown, but not excessively crisp, it's done. The exact time will depend on the thickness of the bacon slices, and also on how quickly your oven reaches the target temperature.
Remove the pan from the oven. Transfer the bacon to a second sheet pan (or a plate or dish) lined with paper towels to absorb any excess fat.
REMEMBER: Don't preheat the oven! Make sure the oven is cold when you put the bacon in.
Also, keep your eye on the bacon during the final few minutes of cooking to make sure that it doesn't burn.
Another thing: Remove the cooked bacon from the hot pan right away. If you leave it in the pan too long, the heat from the pan and the hot bacon fat will continue cooking it.
One of the lovely consequences of cooking bacon this way is that the bacon fat renders off beautifully. We'll pour the hot bacon fat into a heat-proof ramekin and save it in the fridge for other uses.
And by "other uses," we mean everything. We'll sauté with it, cook eggs with it, bake cookies with it—seriously, anywhere you might use butter, you can use bacon butter. You can even spread it on toast, and although we've never tried this, we have a feeling a peanut butter and bacon butter sandwich would be kind of divine.
You'll notice that since the fat doesn't burn while you cook the bacon, it'll be almost transparent when you pour it and have a lovely, creamy white color once it cools in the fridge.
We used to strain the liquid fat through cheesecloth when we would pour it into the ramekin, but we actually don't mind having little bacon particles in it. They'll sink to the bottom in any case.
Truly, sometimes we're not sure it's the bacon we're "making" and the bacon butter is the "byproduct," or if it's the other way around.
What About Lining the Pan With Foil?
The question of whether to line the pan with foil has come up occasionally. We don't use foil when we do our bacon, because we don't mind washing the pan later, and we find that the sheet of foil can complicate matters when we go to pour off the fat. Plus, that's a pretty big piece of foil, and maybe it seems a bit wasteful.
Really, the foil is mainly about keeping your sheet pan (relatively) clean. One advantage of this technique, however, is that since we cook the bacon slowly and gently, it really shouldn't stick.
However, if you find your bacon is sticking, try crumpling up the foil a little before you line the sheet pan with it. The little crumples in the foil will help the cooked bacon lift right off.
That, or use parchment paper.


One lazy summer in India, basking in the well-earned first rank in my class, and not-particularly-excited about the promotion to ninth grade, I decided that it was time to expand my reading horizons a bit.
I nonchalantly walked over to the row of used-books stores in my neighborhood, the ones my Dad usually took me to, just to browse and kill time, and maybe get lucky and find something good to bring back home.
That's when I happened upon a tattered, antique-yellow-paged, paperback copy of Carry On, Jeeves by P.G.Wodehouse (PGW).
I bought it without much thought, (afterall, I did need some new material to read, and I was never the Mills & Boon type of reader, leaning more towards Alistair MacLean after graduating from Enid Blyton-ish books), and headed home with absolutely no inkling of what I was letting myself into.
The book was an instant hit. I went back and bought all the other PGWs I could find at the used-books stores nearby - viz., Pigs have Wings, Aunts Aren't Gentlemen, Spring Fever, Plum Pie and Something Fishy.
My summer was made. I read and re-read the books, marked the pages where I keeled over laughing, underlined the sentences that were pure genius, dreamed of writing in his style - in fact, imitated his style in my letters to my Dad those days, which I diligently typed using my Remington portable typewriter that typed in cursive!
I did not want to go back to school at the end of that summer. I wanted to remain in the idyllic world PGW had created through his whimsical characters and delightful settings. I wanted to be a writer like him. I wanted to stay home, tap away at my typewriter, and churn out the kind of stuff that made people take a deep breath and proclaim it as unparalleled.
Escapism is a beautiful thing. Fantasy and Sci-Fi novels do it easily by creating an alternative world quite unlike the one we live in. But, for a simple work of fiction by a humorist to transform my world like this was quite magical.
To this day, especially when I am down (mentally or physically), I grab a PGW from my bookshelf (doesn't matter which, they are all simply incredible), curl up with a cup of tea, and just savor the experience.
There is no way I can even begin to scratch the surface here, so, am not going to describe the characters or even some of the plots, which seem formulaic, but, have layers of tangled subplots that unravel to a happy ending. ("Oh what a tangled web we weave, When first we practice to deceive").
I hadn't found equally brilliant style of writing until I stumbled upon The Colour of Magic (1983) by Terry Pratchett (TP) and got hooked on his Discworld series.
A little late, but, certainly better than never.
I've read the first three so far (The Colour of Magic, The Light Fantastic, Equal Rites) and am onto the fourth in the series (Mort).
Now, the curious thing is, I have grown to be the savoring kind: when I find a good thing, I want to bask in it, make it last as long as possible... so, I am in no rush to tear through the Discworld books.
The Discworld books don't have to be read in order, though. They have recurring characters who are superbly crafted and presented, not to mention the Discworld itself which is anything but ordinary - it is a flat rotating disc, supported by 4 elephants who are themselves standing on top of a giant turtle, the Great A'Tuin. How could you possibly go wrong with that?
Rincewind, Granny Weatherwax and Death are a few characters I have encountered so far who showcase the brilliance of TP. Rincewind, is a bumbling, cowardly wizard who is described as "the magical equivalent to the number zero". Granny Weatherwax is a witch (crone) who relies more on headology than magick to "help" people who come to her with their woes. Death, is the Grim Reaper, who TALKS IN ALL CAPS all the time, but is a superbly sculpted character who is not evil, not menacing, just doing his job of collecting, not killing (leave that to Fate).
When I started reading TP, I casually told D that his style is so reminiscent of my favorite PGW, when he pointed out that apparently PGW was one of TP's literary inspirations!
There is no way I can do justice to reviewing PGW and TP books, so, I have no inclination to write a review here... just the fact that I get to read these fantastic works, appreciate them, and rely on them for escapism is itself such an honor.
Now, I've read my share of Robert Ludlums, Tom Clancys, Dan Browns, Tad Williams, David Eddings, George RR Martin and such adventure/fantasy fiction... I am not particular about boxing myself into a specific genre: I read both fiction and non-fiction, on various topics, and am always on the lookout for brilliant writing to inspire me.
Scientists have calculated that the chance of anything so patently absurd actually existing are million to one.


As with friendships and marital relations, relationships between employees and employers can also breakdown to the point of no return. Where this is the case often both parties will seek to exit the relationship with their rights intact and in the case of the employee some form of financial protection.
Employment Tribunal. While in certain circumstances a tribunal may be the best way of resolving the dispute, it is not always the case. Tribunals can be a very stressful environment and time consuming with no guarantee of you receiving the outcome you hoped for.
A less well known way of resolving a dispute where there is greater chance of a satisfactory result being achieved by both parties is through a Settlement Agreement (previously known as a Compromise Agreement).
At Hunter & Robertson we have advised clients for a number of years on whether they are best to launch a claim at an Employment Tribunal or to settle a dispute through a Settlement Agreement.
Quite simply a Settlement Agreement is a legally binding agreement between an employee and their employer to terminate the relationship on terms which they both agree on. The creation of the agreement is by negotiation between both parties. Unlike other forms of dispute resolution a Settlement Agreement can be created even after an initial claim has been raised at the Employment Tribunal. Each Settlement Agreement is unique and designed to meet the individual circumstances of the relationship between the employer and that particular employee. Unlike other forms of dispute resolution a Settlement Agreement provides greater certainty for each side as the end result is reached through negotiation.
I'm an Employee, do I need a settlement agreement?
It is important to seek independent legal advice to ensure the best course of action is taken for your particular circumstances. However, there are a number of advantages as an employee if you choose to utilise a Settlement Agreement.
Settlement Agreements normally provide for you to be paid a "lump sum". The amount paid is dependent on your circumstances but it will normally consist of your contractual notice and an extra sum on top of this paid by your employer. As an added incentive the first £30,000 is paid tax free with any additional amount being paid in the same manner as your salary.
As well as a financial incentive to sign a Settlement Agreement, there may be the possibility of negotiating further rights such as the retention of a company car or accommodation. The agreement can also ensure your future career prospects are not harmed by stating the reason for the relationship ending was through a "mutual decision" and not through dismissal.
Furthermore, the procedure used for a Settlement Agreement is completely different from that of an Employment Tribunal. It is a negotiation and therefore there is a higher likelihood that you will receive a satisfactory outcome to your dispute. Finally, a Settlement Agreement is a private arrangement between the parties, unlike an Employment Tribunal where the dispute is aired in a public setting.
I'm an Employer, do I need a settlement agreement?
There are a number of advantages if you are an employer to choose to utilise a Settlement Agreement to deal with a dispute.
Firstly they can allow you to facilitate change in your business through the removal of low performing staff without fear of action being taken at an employment tribunal.
Moreover, unlike a tribunal, a Settlement Agreement is a quicker method of dispute resolution. This prevents unnecessary disruption to your business and could also minimise legal costs. It is also a private agreement meaning that unlike with an Employment Tribunal there is no risk of negative public exposure for your business.
While as the employee or employer you are involved in the creation of the Settlement Agreement, you cannot make one without assistance.
If you are an employee then you must receive independent legal advice when it comes to making a settlement agreement. Any agreement made without independent legal advice will not be valid.
If you are an employer you are under no obligation to receive legal advice yourself. However, here at Hunter & Robertson we would advise that you also seek independent legal advice to ensure the agreement protects you from any claim being raised by the employee in future.
What should I include in a settlement agreement?
The agreement should make reference to the dispute; however it does not have to give a reason as to why the employment has ended.
Both the employee and employer must sign the agreement. The independent legal adviser may also sign the agreement.
While as an employee or employer you want to achieve the best result for yourself, in negotiating a Settlement Agreement you must be open to compromise. For example in the case of an employee as a result of receiving a financial lump sum you must be open to the fact that the agreement may restrict you from undertaking certain activities in the months after your employment ending. This however is not always the case and is another reason independent legal advice is important to ensure the best possible outcome can be negotiated for you.
Furthermore, there will usually be a restriction on employees talking about the agreement with anyone other than close family and their legal adviser. The agreement may also restrict both parties from discussing the agreement or making derogatory comments about the other party either in person or on social media after the Settlement Agreement has been made.
There are some financial costs associated with a Settlement Agreement. These costs normally involve the lump sum paid to the employee and the payment of legal fees the employee incurred from receiving advice from the legal adviser.
Here at Hunter & Robertson we regularly advise employees and employers on Settlement Agreements. Our Employment Law team have years of experiences negotiating for both employees and employers to ensure Settlement Agreements meets the needs of the individual parties. For more information contact our employment law solicitors in Paisley on 0141 889 3196 or fill out our enquiry form here.


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YouTube launches a dedicated podcasts homepage for US users
August 22, 2022 - 10:18 pm - by fooshya - Leave a Comment
https://techcrunch.com/2022/08/22/youtube-launches-a-dedicated-podcasts-homepage-for-u-s-users/
Earlier this year, reports emerged that YouTube would soon add a dedicated podcasts homepage — a signal the company was getting more serious about its investments in podcasts and the potential ad revenue they could deliver. Today, YouTube confirmed to TechCrunch the new podcasts destination is now live for U.S. users, after the URL was discovered to be live ahead of any formal announcement.
According to a report by 9to5Google, the dedicated podcast page YouTube.com/podcasts went live sometime last month and is now linked, at least for some users, on YouTube's existing Explore page alongside other top destinations like Gaming, Sports, Learning, Fashion and others. It did not appear in the website's sidebar navigation, however.
Reached for comment, YouTube told TechCrucnh the URL is not globally available at this time.
"The podcast destination page on YouTube helps users explore new and popular podcast episodes, shows and creators, as well as recommend podcast content," said YouTube spokesperson, Paul Pennigton. "It's currently available in the U.S. only."
YouTube declined to answer further questions about the company's plans for podcasts in general or the destination itself — hinting that a broader announcement was still to come. (It's possible this will be one of the announcements planned for a YouTube creator event scheduled for next month, if we had to guess.)
Before today, there were already a number of hints that YouTube was getting more serious about podcasts — particularly after Spotify entered the space with its support for video podcasts.
Last year, YouTube hired a podcast executive, Kai Chuk, to lead its efforts in the space and has been offering cash to popular podcasters to film their shows, reports said. This March, a site called Podnews leaked an 84-page presentation that detailed YouTube's podcast roadmap. In the document, YouTube revealed it had plans to pilot the feature by ingesting RSS feeds. It also mentioned a new URL, YouTube.com/podcasts, but the link didn't work at the time.
The document also helps to clarify some of YouTube's thinking around podcasts, as it suggested YouTube had plans to feature audio ads sold by Google and other partners. This could present a potential new revenue stream for the tech giant at a time when the younger generation has shifted their search behavior from Google to other platforms, like TikTok. The document said YouTube planned to roll out audio-first metrics to creators and integrate YouTube data into podcast measurement platforms, including Nielsen, Chartable and Podtrac, as well.
The addition of a top-level landing page for podcasts is a fairly significant move for the company.
As different YouTube verticals have grown in importance and popularity, YouTube would highlight these categories by offering them their own homepages on its site and feature them as a link in its main navigation. Notably, it did this with YouTube Gaming back in 2015 and with YouTube Fashion (now Fashion & Beauty) in 2019. On mobile, it also features a prominent link to YouTube Music that opens the companion app for YouTube's Music service. Presumably, it could do the same with podcasts in the future, if it wanted to capitalize on its ability to drive traffic from its flagship app to its streaming service.
YouTube's advances in podcasting follow significant investments on Spotify's part into the medium. The company has spent more than $1 billion on related acquisitions. It brought studios and exclusive shows in-house, launched paid podcast subscriptions and developed podcast ad tech platforms and services. Spotify hyped the revenue potential for its podcast efforts this June, noting that its podcasting business generated roughly €200 million last year, up 300% from 2020.
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Discussion in '458 Italia/488/F8' started by klinkman, Jul 15, 2018.
MANDALAY and klinkman like this.
No doubt he was leaving the local Cars and Coffee.
The roads around Great Falls are not very tolerant of reckless or risky driving.
sbenus and Chadly like this.
Yeap. A fast Prius would have done the same thing but been less damaged. Clearly the cars fault.
I just hope the driver is OK. The rest can be sorted out.
Reported that injuries were non life threatening.
legendd, Ski Bum, stavura and 4 others like this.
It amazes me when a driver purchases a high performance car and fails to take the time to learn the limits, or respect the machines ability to kill them.
Soon to be featured on fleaBay.
Maybe he had a tree fetish?


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INVITING THE FOX INTO THE HEN HOUSE
On Friday, January 14th at 5:30 p.m., The Mark Twain House & Museum joins The Harriet Beecher Stowe Center in presenting author Anne Trubek lecturing on her new book. Presenting authors in conversation is central to our mission. Seems like a no-brainer, right? We're museums dedicated to writers. Well, in a move that the Hartford Courant calls "counterintuitive programming," this is no ordinary lecture offering. In fact, to borrow a great quote from our friends at the Stowe Center, we might be inviting "the fox into the hen house." Why is Anne Trubek the fox in this scenario? Because her book is highly critical of who we are and what we do.
In 2010, Trubek released her much-discussed book A Skeptic's Guide to Writers' Houses. The book is equal parts travel writing, literary history and memoir. It is also a jeremiad of sorts about house museums dedicated to celebrated writers. Maybe jeremiad is too extreme a term. Her book is, at a minimum, a critical look at why and how we preserve the homes of certain writers for public consumption. In so doing, Trubek feels like the writer's home becomes a fictional construct – oftentimes made to look as if the writer just stepped away or composed of furnishings not native to the house or history re-written to reflect the writer's work instead of their lives. She chronicles her journey to the homes of beloved writers like Mark Twain, Jack London, Ernest Hemingway, Walt Whitman, Louisa May Alcott and Edgar Allan Poe, as well as authors who have fallen into obscurity like Tom Wolfe (no, not that Tom Wolfe) and Paul Laurence Dunbar.
In essence she is asking the question, "What do we hope to get out of a visit to a writer's house?" Her thesis: If you want to know a writer, you read their work. That seems fairly obvious. Undoubtedly a reader would get a lot closer to the heart of Mark Twain by reading Life on the Mississippi or his newly-released autobiography than they would by visiting The Mark Twain House. In Trubek's estimation, guests to a writer's house are at the interpretive mercy of curators, overly-enthusiastic or ill-informed tour guides, cash-strapped budgets, urban blight and well-stocked gift shops. As a result, the effort to get a better appreciation of a writer is often muddied or misguided. Worse, there are folks who go to historic house with no knowledge or appreciation for the former occupant (eg. Tourists who flock to Hemingway's Key West retreat to see the cats).
As an employee of the museum, I found reading A Skeptic's Guide to Writers' Houses a frustrating and immensely rewarding experience. We pride ourselves on trying to put together a visitor experience that leaves the guest with a greater knowledge, appreciation and admiration for Mark Twain. I like to think we do that and I am sure the same goes for our compatriots over at the Stowe Center. But as I read the book, I saw the validity of many of Trubek's opinions. Do we falsify history when we have a piano in the house that is almost exactly like the one the Clemens owned? Have we implicitly re-written Twain's history to reflect the characters in his stories? Do we shortchange audiences by making the Clemens Family's time in Hartford seem overly happy? Are we doing Twain a disservice by selling magnets, busts and mugs with his likeness on them? What story are we telling? These are all legitimate questions that Trubek challenges us to answer honestly.
Sometimes on our days off, employees of The Mark Twain House & Museum will go visit other writers' houses (yes, we're nerds like that). Often, these employees will come back and say what the other house did right or what the other house did wrong. Of course, these opinions are subjective. Writers' homes, like their books or poems, are fixed things, but that doesn't mean they aren't equally open to a variety of interpretations and readings.
As the custodians of Twain's Hartford home and legacy, we are charged with interpreting Twain for a variety of contemporary audiences: book lovers, school kids, architecture aficionados, tourists looking for something to visit on the way from Boston to New York, hardcore Twainiacs, history buffs, and more. We cannot be everything to everyone, but we can do our best to honor Twain honestly. And, sometimes, it is nice to let foxes like Anne Trubek into the hen house to keep us on our toes.
- Jacques Lamarre, Director of Communications
Posted by The Mark Twain House & Museum at 4:33 PM
The Mark Twain House & Museum Responds to the new "Huck Finn" Controversy
The recent announcement of the NewSouth Books' upcoming release of The Adventures of Tom Sawyer and Huckleberry Finn – a new edition of the Mark Twain classics that double-yokes the two seminal novels into one text while eliminating the controversial "n"-word and the use of the term "Injun" – has created a firestorm of attention. The novels, which Twain worked on during his time in Hartford, continue to provoke controversy, passion and discussion.
The Mark Twain House & Museum currently has an exhibition entitled Yours Truly, Huck Finn that considers the creation of this enduring classic. The exhibition features first editions, original illustrations, publication history, pop culture representations, and a section on the book being censored and banned. Yours Truly, Huck Finn, which was originally scheduled to close this weekend, has been extended through Sunday, January 16 to allow guests to learn more about the book.
Mark Twain House & Museum Executive Director Jeffrey Nichols states, "Although we admire Dr. Alan Gribben's scholarship and share his desire to have the books be widely accessible in schools, we encourage readers to experience Mark Twain's original text whenever possible. Our education department actively works with schools across the country to contextualize the troubling race relations and use of the 'n'-word during Twain's lifetime. We invite teachers to contact us if they would like assistance on how to integrate the text into their curriculum in a socially and historically responsible way. We invite the public to visit our current Yours Truly, Huck Finn exhibition to explore why the novel has endured for over 125 years and the house where Twain lived while he created this masterpiece."
Yours Truly, Huck Finn is sponsored by The Edward C. and Ann T. Roberts Foundation with additional support from the Connecticut Commission on Culture and Tourism and the Greater Hartford Arts Council.
The Mark Twain House & Museum Responds to the new ...


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TOP 10 Most Tweeted Celebrities Around The World 2017
Twitter just released the most tweeted celebrities of the year and you might be surprised to see who made the list.
These are the 10 most Tweeted celebrities in Korea this year:
10. Grayson Dolan
Grayson is one of The Dolan Twins, an American comedy duo, who have accumulated more than 6.4 million followers on Vine and 4.4 million subscribers on Youtube.
9. MONSTA X
MONSTA X released their first studio album and won first ever music show trophy with "Dramarama" this year.
8. Ethan Dolan
The other member of The Dolan Twins!
7. Harry Styles
Harry Styles is a One Direction member who released his self-titled solo album, making a big splash with hit songs like "Sign Of The Times" and "Carolina".
6. Niall Horan
Another One Direction member, Niall Horan made his solo debut with "Flicker", stealing everyone's hearts.
5. Maine Mendoza
Fifth place goes to this beautiful Filipino actress, writer, Internet personality and occasional singer-songwriter.
Justin Bieber melted everyone's hearts with his sweet voice in his songs "Friends", "One Dance", and "Cold Water".
3. Camilla Cabello
Singer of the hit song "Havana", Camila is a Cuban American singer and songwriter and she just released her debut album.
SEVENTEEN released two albums and made everyone feel with "Don't Wanna Cry".
The hottest idols of the year, BTS was the first Korean idol group to be invited to the AMAs, they won a Billboard award, appeared on various American TV shows, and much much more in 2017.
Here's the full image that revealed the results!


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FEATURED AUTHOR: JAMES MOUSHON
A 6-PACK of MYSTERIES FOR THE HOLIDAYS
Operation Alpha Dog released November 23, 2015, now only 99 cents on Amazon
A 6-pack of Jonathon Stone Mystery Short Stories by James Moushon
Mystery, Murder, Intrigue, and Espionage
Again we catch up with CIA Agent Jonathon Stone in a collection of his latest adventures. We follow Jonathon as he moves from trying to catch gun runners to solving a terrorist plot in the Los Angeles Harbor to an assassination in Palm Springs to stopping a NSA leak of information.
The collection includes a 6-pack of Jonathon Stone short stories. As always, Jonathon's ops include a lot of mystery, lots of espionage, some thrilling events and suspense. Being a CIA agent working domestically has its unique situations, and Stone seems to take advantage of them.
Operation Hidden Truth
A plea bargain turns deadly and a known gun runner is the primary suspect. Jonathon Stone becomes involved with the FBI to try to catch the elusive terrorist. With espionage and government secrets in play, the DHS suddenly becomes a problem. Jonathon needs to be on top of his game for this op.
Operation Misdirection
A female CIA agent is found dead in a motel in Long Beach and her husband, a Long Beach detective, quickly becomes the prime suspect. Jonathon Stone is given the task of investigating the murder of one of his own. His findings reveal the dead agent's unscheduled trips to the Middle East, a cover up by the FBI and espionage.
Operation Adrift
An empty cargo ship suddenly appears in the LA Harbor. Problem: apparently there are no passengers or crew. Jonathon Stone finds out that the ship was abandoned at sea and the CIA had been tracking the vessel from the Far East. The op seems to be stalled until Jonathon gets information from an unexpected source which leads him to a terrorist plot on American soil.
Operation Red Dragon
Jonathon Stone's plans for a quiet gambling experience is interrupted by the sighting of a known gun for hire from Mexico. A casual weekend in the desert for Jonathon changes into an apparent assassination plot. With the FBI and the Secret Service involved, Jonathon tries to apprehend the elusive hit man before he can do damage.
Operation Runaway
NSA information leaked by a spy sends Jonathon Stone and his fellow agent, Chuck Chun to Hawaii to stop the flow of information. Is our suspect a whistleblower or is it espionage? Their assignment: neutralize and stop the flow of information. At a luau in Paradise, they get help from an unlikely source before Jonathon and Chuck can complete their mission.
Operation Deadline
A hit and run death of a man on the CIA's watch list sends Jonathon Stone on another op. This time he teams with FBI Agent Jodi Shannon. They quickly find out it was a planned murder and the victim was part of an investigative reporter's study of a Middle Eastern student group. Then, a second murder with a similar MO occurs and Jonathon is sent in a different direction.
EXCERPT FROM OPERATION ALPHA DOG
My name is Jonathon Stone. Like a lot of single, All-American men I enjoy gambling and drinking and the ladies.
I am a writer for the Real Sportsman Magazine. At one time our offices were located in downtown Long Beach, CA. On the main floor was a complete magazine group with secretaries and a writing staff that produced a monthly magazine.
Being a writer is a realistic, workable cover because I am, in reality, a Special Agent for the CIA. I am assigned to the west coast based – Far East Operation Center located in San Francisco.
In the basement of that office building was a full blown CIA operation with a security setup and computer center.
About a year ago, our cover was blown and the staff was scattered to the wind. My boss, Russ Evans, changed my status to At Large and kept me in the Long Beach, CA area. Actually, Belmont Shore, if you want to be more specific.
I am what my fellow agents call an Asset On Call. I may show up anywhere in the world.
As a footnote, we also handle the Domestic Operation - Terrorism (DOT) division. It was formed to handle terrorist threats inside the U.S. after DHS took control of intelligence.
This group is not on the Company's organization chart.
Jonathon Stone
James Moushon is a mystery writer and a published writer in the electronic document field.
Starting over 15 years ago, he helped lead the startup of the electronic forms industry in the creation, conversion, and usage of electronic forms by supplying that industry with a continuing source of published literature, software products, and training seminars. In 2003, Moushon changed his focus to ebooks and their development. He is the author of the Jonathon Stone Mystery Novels. He has published three books: Black Mountain Secrets, Game of Fire and Operation Alpha Dog, a collection of short stories featuring Jonathon Stone.
He is currently wearing two hats. He is a mystery writer and a book publishing blogger.
HBS Author's Spotlight is intended to help authors get exposure in the book publishing industry. He has interviewed and showcased over 450 authors to date.
HBS Mystery Reader's Circle provides information about the latest novels and what is coming next from a collection of bestselling and outstanding authors in the mystery, thrillers, historical fiction, and crime genre.
eBook Author's Corner is a collection of author advice and studies including marketing, social media, and other major topics created to help writers in today's ever changing world of book publishing.
He has spent the majority of his adult life developing computer systems and thinking about writing mysteries.
James's website is: www.jamesmoushon.com
To contact him, e-mail: james.moushon@gmail.com
Labels: espionage, Intrigue, James Moushon, murder, mystery, Operation Alpha Dog, short stories


Edwin Landseer was the most famous English painter of his generation. Trained by his father, he was widely regarded as a child prodigy, producing a number of remarkably accomplished studies of animals when he was only five years old. In 1815 he joined the studio of Benjamin Roberts Haydon before being formally admitted to the Royal Academy schools a year later, at the age of 13. He was a full Academician before the age of 30.Between 1830 and 1840, his most fruitful period, Landseer specialised in paintings of dogs, of which about half were commissions. It was in this capacity that he first attracted the attention of the royal family: in 1836 he painted Princess Victoria's pet spaniel, Dash, as a birthday present commissioned by her mother, the Duchess of Kent.
In this self-portrait Landseer sits at a drawing board, a porte-crayon in one hand and two dogs behind him scrutinising his drawing. Although Landseer reportedly hated being watched while he worked, he liked having dogs in his studio. The two dogs depicted here are probably his own collie, Lassie (on the right), and a retriever called Myrtle, owned by Mr Wells, one of his patrons. In positioning the two dogs as connoisseurs of his work, Landseer implies that the untutored judge is better than the tutored.
A photograph of the artist taken at around the same date (RCIN 2911991) suggests that Landseer used a mirror to make this self-portrait, as certain features appear in reverse.Interestingly, he seems to have been selective in the areas he corrects: his painting hand and the buttons on his jacket have been reversed, while his parting and the direction of both his crossed legs and his drawing board correspond to his mirror image. Perhaps the artist only corrected those aspects of his appearance that might arouse suspicion were they to appear back to front and he may even have used a photograph as a visual aid in the final stages of the painting process.


Description: This kit is designed to be used with a 6.7L rail and (2) 6.7L CP3 pumps. It will work on a 5.9L block as long as a 6.7L rail and (2) 6.7L CP3 pumps are used.
Description: You must use an aftermarket lift pump with this product. AirDog and FASS are the two most commonly used. Custom engine tuning may be required depending on other modifications.


Renault Duster, which is available in European markets with name of Dacia Duster, has been offered with new special features. At present, the Duster SUV is reporting huge sales response across the globe including India. Dacia, the provider of this SUV in European markets, now offers the Duster Extreme Special Edition at 12,560 EUR (Rs 8.85 lakhs). The Romanian car maker has also displayed an Adventure Edition of the hit SUV at the 2013 Geneva Motor Show.
The new Dacia Duster Extreme Edition comes equipped with features of dual 5-spoke alloy wheels which look like wheels of the Mercedes C63 AMG, new design on white colored decals, roof rails, front skid plates, roof mounted spot lights, new set of rubber mats, Garmin Zumo 350LM navigation system with topographical maps and many more. The new Extreme edition of the Duster will be sold in Pearl Black finish color option too. And, a few units of the vehicle are reported to be sold.
On the other hand, in India auto market the Duster is doing very well and giving heart hitting competition to the Mahindra Scorpio, XUV 500, Foce One and Premier Rio. But, very soon it will be challenged by the hit SUV, Ford Ecosport. So, Renault India could also launch the features rich special or limited edition of the vehicle to lure customers.


Close all Libratone App sessions on all smartphones connected to your Wi-Fi network.
Once done, simply start Libratone App and your speaker will show up in MY SOUNDSPACES.
Make sure that Libratone App is only started on one smartphone on your Wi-Fi network at a time.
If the problem is not solved, please restart your speaker.


BACKGROUND: Vertebral compression fractures (VCF) are common in COPD patients, with osteoporosis being the main cause. The clinical impact of VCF derives mostly from both pain and chest deformity, which may lead to ventilatory and physical activity limitations. Surprisingly, the consequences of VCF on the quality outcomes of hospital care are poorly known. OBJECTIVE: To assess these indicators in patients hospitalized due to a COPD exacerbation (ECOPD) who also have VCF. METHODS: Clinical characteristics and quality care indicators were assessed in two one-year periods, one retrospective (exploratory) and one prospective (validation), in all consecutive patients hospitalized for ECOPD. Diagnosis of VCF was based on the reduction of >20% height of the vertebral body evaluated in standard lateral chest X-ray (three independent observers). RESULTS: From the 248 patients admitted during the exploratory phase, a third had at least one VCF. Underdiagnosis rate was 97.6%, and patients with VCF had more admissions (normalized for survival), longer hospital stays, and higher mortality than patients without (4 [25th-75th percentiles, 2-8] vs 3 [1-6] admissions, P<0.01; 12 [6-30] vs 9 [6-18] days, P<0.05; and 50 vs 32.1% deaths, P<0.01, respectively). The risk of dying in the two following years was also higher in VCF patients (odds ratio: 2.11 [1.2-3.6], P<0.01). The validation cohort consisted of 250 patients who showed very similar results. The logistic regression analysis indicated that both VCF and age were factors independently associated with mortality. CONCLUSION: Although VCF is frequently underdiagnosed in patients hospitalized for ECOPD, it is strongly associated with a worse prognosis and quality care outcomes.


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Warren deputy police commissioner won't be charged in alleged assault
Christina Hall
The Warren Police Department is completing an internal investigation into an alleged assault of a shoplifting suspect by the deputy police commissioner, who has been on unpaid administrative leave for months and has filed a federal lawsuit against the city and his boss.
The FBI in Detroit is aware of the incident involving Deputy Police Commissioner Matthew Nichols, Special Agent Mara Schneider said Friday, but she "can't confirm if we're investigating."
Nichols has been on unpaid leave since about a month after the July 18 incident in Warren in which some officers on the force said they saw him punch a suspect arrested after items were stolen from a Menards store.
The Macomb County Prosecutor's Office denied a criminal warrant authorization request for aggravated assault against Nichols from the county sheriff's office, which was asked by Warren Police Commissioner Bill Dwyer in September to investigate.
The request was denied Dec. 17 by an assistant prosecuting attorney, who wrote on the request "please handle internally," according to documents obtained by the Free Press through a Freedom of Information Act request.
The warrant authorization request stated that while in uniform, Nichols "punched the victim in the throat/neck while the victim was being placed under arrest for Retail Fraud." The victim was taken to an area hospital, where he was treated and provided pain medication, it states, and was diagnosed with having an anterior neck contusion.
Prosecutor Eric Smith said in an email Friday to the Free Press: "Two out of the four officers on scene saw the suspect reaching for something during the course of the arrest. Sufficient evidence did not exist that would allow our Office to prove a crime of assault and battery by Deputy Chief Nichols beyond a reasonable doubt. As a result, we denied charging Mr. Nichols. Should the Warren Police Department believe an internal policy was violated, our denial of a warrant does not prohibit them from handling the matter internally pursuant to their contractual procedure and guidelines."
The alleged assault against Karl Hermansen appears to have occurred inside a vehicle that was occupied by him and two other suspects, all of whom were arrested outside a Lowe's store. Nichols apparently responded because he was a short distance away.
According to the documents obtained by the Free Press, two officers said they saw Nichols punch the suspect in the neck area when he was not resisting, saying the strike was unprovoked.
Another officer said he saw Nichols strike the suspect in the neck/head area, but couldn't say for certain where the suspect was struck because of a headrest and his vantage point from the rear passenger side window. He described the strike as "very light." He also said he saw Hermansen's left hand was down at the time during the incident, which he said was concerning to him.
Other officers at the scene said they did not see the alleged assault.
Jim Akhtar, Nichols' attorney in the lawsuit, said from his understanding of the incident, Nichols thought Hermansen was going for a gun, reached across and pushed him.
"He slapped him with his hand and that was the extent of it," he said.
According to documents and dashcam video released through the FOIA, Nichols' unmarked vehicle faced the suspects' SUV head-on, and he and another officer approached the driver's side door of the SUV. One officer secured the driver of the SUV, which continued to roll forward, hitting Nichols' vehicle, according to the documents.
Nichols entered the driver's seat and put the vehicle in park, then got out. Other officers approached the SUV. Nichols re-entered the driver's side of the vehicle and is heard in a loud voice saying "pay attention," "don't reach for anything," "rip him out," "bye, bye," according to the material. It adds that he got out, looked back into the interior and said "stop digging."
The documents state that Hermansen, 56, told a sheriff's investigator that he was under the influence of narcotics when he was arrested, saying he was: "high as a kite." He said he had been a heroin user off and on for the last 20 years, according to the documents.
Hermansen told the investigator that he put his hands out the rolled-down passenger window while sitting in the front passenger seat because officers had guns and he didn't want to get shot.
He then said "that cop" came in and hit his throat, hitting him in the Adams apple with a closed fist. Hermansen said he wasn't reaching for anything, according to the documents.
Hermansen is serving a 320-day sentence in the county jail after pleading guilty to first-degree retail fraud and being a habitual offender, fourth offense, in the incident, according to circuit court records. He was on parole at the time of the incident, according to the Michigan Department of Corrections website.
Nichols has been a Warren police officer since 1999 and named as a defendant in several federal lawsuits in the past. He was appointed deputy commissioner by Mayor Jim Fouts in February 2017, about six months before Fouts named Dwyer commissioner.
Shortly after the July incident, Nichols was placed on paid administrative leave. About a month later, he was placed on unpaid leave, according to his lawsuit filed Dec. 26 in U.S. District Court in Detroit. He is seeking more than $75,000 in damages.
More:Man suspected of killing his Warren grandmother dies in police scuffle
The lawsuit cites multiple counts, including breach of contract. It states only the mayor has the right to discharge or discipline Nichols per his February 2017 contract.
In response to the litigation, Fouts said: "I don't run the police department, and I can't evaluate personnel either way."
The lawsuit also states Dwyer took down Nichols' photograph from a wall and removed his name from an office door Dec. 21. Dwyer said that doesn't mean "there's been termination." He said Nichols remains on unpaid administrative leave as the deputy commissioner, but Dwyer said he did name an acting deputy commissioner to help manage the large police force in the state's third largest city.
Dwyer said the lawsuit is a "tactic being used to try to bully the Warren Police Department to look the other way. I will not be bullied by this lawsuit being filed." He said the internal investigation and any possible discipline won't be deterred by the lawsuit.
"Police officers are not above the law," Dwyer said.
He said claims of political infighting to get rid of Nichols are "absolutely not true."
Akhtar disagrees.
He said Dwyer wanted to replace Nichols with another deputy commissioner of his own choosing, but that Fouts refused. He said Dwyer removed most of Nichols' supervision and left him very little responsibility of the day-to-day operations by July 2018.
He said Nichols hasn't received "one piece of paper with what the charges are against him internally."
Akhtar said Nichols has lost tens of thousands of dollars of his approximately $118,000 a year salary and isn't working because he needs to get permission from the department to look for work, adding they're not sure "if he's been fired or not."
More:Warren spending $125K battling rats fleeing I-696 construction
More:Warren plans $170M mixed-use project as first step toward a downtown
Contact Christina Hall: chall@freepress.com. Follow her on Twitter: @challreporter.


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The DNA Age?
By cortex on June 15, 2006.
These kinds of articles annoy me, especially when they appear on the front page of The New York Times.
Where to begin? Well, there is the utterly banal thesis, neatly summarized by Steven Pinker (in case you didn't want to wade through The Blank Slate):
"We now have real evidence that some of the variation in personality is inherited," Dr. Pinker said, "and I think it may be affecting people's everyday choices."
This is front page news? Has any serious neuroscientist or geneticist in the last decade really denied that our genes affect, in some dialectical way, our daily decisions? Of course not. The real question is to what extent our genes are modulated by our environment (nature unfolds in the context of nurture and neural plasticity), and I'm afraid this article sheds absolutely no new light on this question. Instead, we get a mishmash of people who want to blame their DNA for bungee jumping, obesity, anorexia and nicotine addictions. It's worth noting that most, if not all, of the people profiled in the article have not actually tested positive for the genes under consideration. Most of them are like this guy:
In the wake of the recent discovery that millions of people who carry a specific genetic variation are more likely to gain weight, Mike DeWolfe, a computer programmer who considers himself overweight, cannot help wondering if he is one of them. "I really would like to have a test, because it would help reduce my guilt over it," said Mr. DeWolfe, 38, of Victoria, British Columbia, noting he would also welcome a genetic treatment as an alternative to his constant dieting. "That would make a big difference."
Sorry, Mike, but that ain't gonna happen anytime soon. Unfortunately, this reporter doesn't tell us why. Instead of using the new science of epigenetics or plasticity to rebut these oversimplified views of genes=behavior, the reporter chooses a much easier route. She buries, almost as an aside, her confession that these vivid anecdotes of genetically determined dare-devils and fat people are actually, probably, most likely, make believe.
The public embrace of genetics may be driven as much by wishful thinking as scientific truth. In an age of uncertainty, biology can appear to provide a concrete answer for behavior that is difficult to explain.
Now that strikes me as an interesting idea, how the public has adopted a lazy version of genetic determinism, and how DNA testing companies (several of which pop up in the Google ad space when reading this article) are feeding our appetite for bad science. But instead, the Times has chosen to feed the frenzy, and doesn't talk to a single scientist who says that no single gene can explain why Jason Dallas likes to go mountain biking or wants to get a motorcycle. Reporters feel the need to get quotes from IDers when talking about Darwin, but apparently the same sense of balance doesn't hold when talking about genetics.
This story reminds of some old Newsweek cover, back when the Human Genome Project carnival was in full swing, and scientists were "discovering" genes for gayness and God and murderers almost daily. Now science knows better; it's too bad the NY Times doesn't.
By Joanne Campbell (not verified) on 15 Jun 2006 #permalink
1. I'll defend the article a little: I think she made it pretty clear she was presenting some recent research, as well as trying to gauge how people react to the knowledge that genes play a role in behavior.
"While scientists have yet to demonstrate any genetic cause that directly affects such behavior, they have found plausible associations. And for many people, that is all that matters."
2. you say this:
Has any serious neuroscientist or geneticist in the last decade really denied that our genes affect, in some dialectical way, our daily decisions? Of course not. The real question is to what extent our genes are modulated by our environment (nature unfolds in the context of nurture and neural plasticity)
another real question is which specific genes play a role in specific behaviors and how they play a role. or how those genetic variants have evolved in our evolutionary history. there are plenty of real questions out there.
you make it sound like once we know the heritability of a trait is 50%, we can move on to looking at gene-environment interactions. but knowing which genes are involved, and their corresponding pathways, is a major step you can't just skip over.
By JP (not verified) on 15 Jun 2006 #permalink
I think you largely missed the point of the article. The point isn't really whether science knows better, or the NYT knows better - the point is that the public DON'T know better. They are responding to the quickening pace of studies (which are getting more legitimate all the time) reporting links between genes and behavior. They don't really care about probabilities, epigenetics or GxE interactions. They hear "gene for obesity" and they run with it.
This article has, I think, put its finger on an important phenomenon. And rather than complain about the NYT reporting on how genetics is actually impacting daily life, we should face up to the massive challenge science faces in teaching the public how genetics actually works.
By MBE (not verified) on 16 Jun 2006 #permalink
Goodbye Scienceblogs
NOTE: This blog has moved. The Frontal Cortex is now over here. I've got some exciting news: Starting today, the Frontal Cortex will be moving over to the Wired website. Needless to say, the move comes with the usual mixture of emotions, as I've greatly enjoyed my four years as part of the…
Twitter Strangers
Over at Gizmodo, Joel Johnson makes a convincing argument for adding random strangers to your twitter feed: I realized most of my Twitter friends are like me: white dorks. So I picked out my new friend and started to pay attention. She's a Christian, but isn't afraid of sex. She seems to have some…
I've got a new article in the latest Wired on the science of stress, as seen through the prism of Robert Sapolsky. The article isn't online yet (read it on the iPad!), but here are the opening paragraphs: Baboons are nasty, brutish and short. They have a long muzzle and sharp fangs designed to…
Smart Babies
Over at Sciam's Mind Matters, Melody Dye has a great post on the surprising advantages of thinking like a baby. At first glance, this might seem like a ridiculous conjecture: A baby, after all, is missing most of the capabilities that define the human mind, such as language and the ability to…
Political Dissonance
Joe Keohane has a fascinating summary of our political biases in the Boston Globe Ideas section this weekend. It's probably not surprising that voters aren't rational agents, but it's always a little depressing to realize just how irrational we are. (And it's worth pointing out that this…


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whats the best air conditioner type?
How do I prevent from getting air conditioner problems?
Depending on the issue you are having with AOU48RLXFZ ARU18 RLF (whether its low on refrigerant or if the compressor quit working for example), it can range from $50 service call to $500 on repair cost.
Typically maintenance cost on AOU48RLXFZ ARU18 RLF is minimal, it may only need cleaning on monthly basis. Unless you need air filters that can range from $10-$100 in some cases depending upon brand and availibility.
I bought this unit not knowing if it would heat my 19 x 21 kitchen, but to my surprise I have not had to turn the unit any higher than 4 and that was on a -20 day . So my wife is well pleased with me.
Installed this modine in 700sq ft basement. It does the job.


Town of Meaford Planning Update: Is This A Town to Watch?
In December, we attended the annual panel of Planners session which is an opportunity for us to interact with municipal staff and planners about local planning initiatives and developments. Today we present the information provided by Liz Buckton, Senior Planner for the town of Meaford.
I've always loved Meaford for a host of reasons such as the outstanding public access to the waterfront, the trail system, the harbour, the quaintness of the town and the beauty found in the surrounding rural landscape. This is a Town that for years has just been waiting to happen but never seems to get off the ground. I think that may eventually change.
Meaford is always busy in the planning department. A few years ago, they developed a Community Improvement Program (CIP) and 2014 was the second year for the grants for upgrading facades program. I think it is the most generous one in the area and provides an incentive for owners to upgrade their downtown commercial buildings. They are looking to update the CIP in 2015 with provisions for brownfields of which there are a few.
They are currently working on putting together a Culture and Recreation Master Plan with public input being sought this spring.
They put together a Heritage Conservation District Study and Plan which has had just one objection filed so, most or all of the plan should be in effect shortly. It's good to see because Meaford has some wonderful old heritage buildings and an interesting history.
Most exciting, they have developed a Waterfront Strategy which includes a $4.6m Harbour Village concept to bring even more life to that part of town.
Meaford recently updated its zoning by-law and some of the changes are very current to today. They have developed regulations surrounding medical marijuana facilities, they have addressed topics such as Agri-tourism and wineries, accessory and granny suites and, they now allow backyard chickens under certain circumstances. Meaford is also one of the only areas here that recognizes the need for small hobby farms and has developed policies to permit that in certain areas as well.
– Pinehurst (Sykes N) – Pre-serviced and Agreement executed.
With the larger scale developments on the books and with the number of new investments being made by private developers as well as with the proactive planning we are seeing in this town, I think it may finally be the time for Meaford to take off in a big way barring any economic downturns or political woes. The real estate market in Meaford has always been very tied to the military base but these new developments will moderate that effect in the long run. Lastly, I can't say enough what a pleasure it is as a REALTOR® to deal with Liz and the planning department in Meaford who always bend over backwards to assist us.


As you likely know from experience, it's not easy to win a military supply contract. There's no shortage of companies that would love to do business with the military, as military contract often leads to consistent business and a steady cash flow.
However, winning the military contract is only half the battle. You also have to fulfill the military's expectations and retain the contract. That's not always easy. The military often has high standards and expectations. They can also easily turn to one of your competitors if they feel you aren't meeting your contractual obligations.
Many contractors s struggle specifically with the military's packaging guidelines. The military manages a sprawling supply chain. To optimize efficiency, the military's purchasing agencies are very specific about packaging materials and methods, labeling, and logistics. If you don't follow those guidelines, you could lose the opportunity to win future business and you may even threaten your current contract.
MIL-STD-2073 is the military's comprehensive packaging document. It provides precise, detailed packaging instructions for a wide range of products. It describes the types of materials that should be used and how certain items should be protected. The document covers everything from dunnage to containers to protective substances.
Your product is probably governed by a section of MIL-STD-2073. It's on you to understand how the guidelines apply to your product. If your packaging isn't in compliance with MIL-STD-2073, you may not pass the quality assurance inspection. That means you can't ship your products and can't invoice the military. You can avoid this issue by always making sure your products are packaged in accordance with military standards.
Labeling is also an important part of the military's packaging guidelines. Again, because of the size and scale of the military's supply chain, it's critical that all packages are correctly labeled per Mil-Std 129. That ensures that packages arrive at the correct facility and are processed as quickly as possible. Your labels may need to reference a certain military location, purchase order number, or other information.
Your contract may require you to use RFID tags. These are powered tags that emit a radio frequency signal and provide information about the shipment. The signal is picked up by scanners used in military facilities. Your contract will state whether you need to use RFID tags and what type to use. You can also reference the military's RFID tag guide for more information.
Of course, the whole point of working the military and meeting their guidelines is to generate revenue. You want to get paid, and you probably want the cash flow sooner rather than later. Even if you pass the quality assurance inspection and use the correct tags and labels, you still have to navigate the military's invoicing system before you will get paid.
The military uses a system called iRAPT, which stands for Invoice, Receipt, Acceptance, and Property Transfer. Before you can submit invoices through iRAPT, you have to register in the system. You can do this as soon as you are registered to bid on government contracts.
Too many military contractors wait until they're ready to invoice before they register for iRAPT. The problem with that approach is that your registration has to be reviewed and approved. That can take several days. If there are any errors in your registration, it's kicked back to you for correction, further delaying the process.
Register for the invoicing system now, even if you don't have an invoice ready for submission. That way, you can avoid unnecessary delays when you are ready to ship product and invoice the military.
A military packaging company can help you avoid these mistakes and more. Look for a military packaging partner who has experience in your industry and who can help you implement an effective process. They can identify potential risks and help you maximize your military supply opportunity.


Don't bother coming out to the Hamptons for Mother's day, the beach is closed. At least it was today for the USA Networks production Royal Pains.
And what a pain it is. At the End of Ocean Rd. in Bridgehampton I was turned away from an evening walk on the beach.
"ah, no maam." I replied timidly.
I didn't think they could close the beach.
They CANNOT close the beach. It is a public place that they have a permit to use, but they CANNOT kick you off the beach. If it happens again, call the Town Parks Supervisor Allyn Jackson.
HBO tried to tell me the beach was closed in East Hampton last year, but they do not have the right to kick you off the sand. Just do them the courtesy of not walking in front of the camera.
To BonacTonic- The statement, citiots, and the sentence that the show "royal pains" used, was word for word from an article out of the New York Times that was high lighting mastic beach and shirley. A now local, was quoted in the article, and writers from the show picked it up apparently. New york times real estate section, search 'mastic beach', you'll find it there. Very funny.
I know citiots isn't derived from mastic but out east in general. Speaking as a former citiot.


text:
Journal of Viral Hepatitis
The Efficacy and Safety of Treating Hepatitis C in Patients With a Diagnosis of Schizophrenia
M. Z. Mustafa; J. Schofield; P. R. Mills; M. Priest; R. Fox; S. Datta; J. Morris; E. H. Forrest; R. Gillespie; A. J. Stanley; S. T. Barclay
J Viral Hepat. 2014;21(7):e48-e51.
Abstract and Introduction
SUMMARY. Treating chronic hepatitis C with pegylated interferon alpha may induce or exacerbate psychiatric illness including depression, mania and aggressive behaviour. There is limited data regarding treatment in the context of chronic schizophrenia. We sought to establish the safety and efficacy of treating patients with schizophrenia. Patient and treatment data, prospectively collected on the Scottish hepatitis C database, were analysed according to the presence or absence of a diagnosis of schizophrenia. Time from referral to treatment, and the proportion of patients commencing treatment in each group, was calculated. Outcomes including sustained viral response rates, reasons for treatment termination and adverse events were compared. Of 5497 patients, 64 (1.2%) had a diagnosis of schizophrenia. Patients with schizophrenia (PWS) were as likely to receive treatment as those without [28/61(46%) vs 1639/4415 (37%) P = 0.19]. Sustained viral response (SVR) rates were higher in PWS [21/25 (84%) vs 788/ 1453 (54%) P < 0.01]. SVR rates by genotype were similar [4/8 (50%) vs 239/684 (35%) Genotype 1 (P = 0.56), 17/17 (100%) vs 599/742 (81%) non-Genotype 1 (P = 0.09)]. Adverse events leading to cessation of treatment were comparable [2/25(8%) vs 189/1453 (13%) P: 0.66]. Patients with schizophrenia are good candidates for hepatitis C treatment, with equivalent SVR and treatment discontinuation rates to patients without schizophrenia.
Chronic hepatitis C virus infection (HCV) is a significant public health problem in Scotland with an estimated 39 000, or 0.8% of the population, being afflicted.[1] Schizophrenia is a common psychiatric disorder with an estimated population prevalence of 0.5% in the United Kingdom.[2] Seroprevalence of HCV in severe mental illness (schizophrenia, bipolar disorder and major depression) has been shown to be as high as 19.6%.[3] Other studies have revealed HCV prevalence rates of 4.1% amongst patients with schizophrenia (PWS).[4]
Treating HCV with pegylated interferon alpha (IFNα) may induce or exacerbate psychiatric illness including depression, mania and aggressive behaviour.[5] Its use in patients with a history of severe psychiatric conditions is recommended only after appropriate psychiatric management.
The potential to exacerbate underlying psychiatric illness may deter clinicians from treating PWS. A US veteran's cohort study identified increasing age, substance abuse, major and minor depression, bipolar disorder and schizophrenia as independent predictors of nontreatment for HCV.[6] Despite this, limited data suggest that PWS treated with IFNα experience psychiatric symptoms at comparable rates to untreated controls.[7,8] Supporting this, sustained viral response rates have been shown to be similar[8] or better[9] amongst PWS compared to controls.
We sought to establish the safety and efficacy of treating PWS attending treatment centres in Greater Glasgow.
J Viral Hepat. 2014;21(7):e48-e51. © 2014 Blackwell Publishing
Table 1. Baseline characteristics of patients with hepatitis C
Patients with schizophrenia
Total number of patients, n 64 5433 5497
Mean age in years 36 ± 7.8 35 ± 7.2 0.26
Male gender (%) 53 (83) 3845 (71) 3898 (71) 0.04
Race (%)
Caucasian 64 (100) 5120 (94.2) 5184 (94.3) 0.08
Black 0 24 (0.4) 24 (0.4) 0.62
Asian 0 249 (4.6) 249 (4.6) 0.15
Others 0 40 (0.7) 40 (0.7) 0.93
Alcohol excess (%) 25 (39) 1211 (22) 1236 (22) 0.002
Intravenous drug abuse (%) 50 (78) 3015 (55) 3065 (56) <0.01
Patients with cirrhosis (%) 13 (20) 597 (11) 610 (11) 0.03
HCV genotype (%)
1 26 (50) 1462 (43) 1488 (43) 0.31
2 1 (1.9) 184 (5) 185 (5) 0.35
3 25 (48.1) 1742 (51) 1767 (51) 0.76
4 0 34 (1) 34 (1) 0.92
Table 2. Baseline characteristics of patients commenced on antiviral therapy
Patients commenced on antiviral therapy n (%) 28/61 (46) 1639/4415 (37) 0.189
Mean age in years 46 ± 7.4 37 ± 7.2 <0.01
Male gender (%) 23 (82) 1147 (70) 0.24
Caucasian 28 (100) 1425 (85) 0.05
Black 0 10 (0.6) 0.40
Asian 0 188 (11) 0.12
Others 0 16 (1) 0.66
Alcohol excess (%) 10 (36) 348 (21) 0.09
Intravenous drug abuse (%) 18 (64) 668 (41) 0.02
Patients with cirrhosis (%) 9 (32) 265 (16) 0.04
1 9 (33) 721 (44) 0.33
2 0 93 (5.6) 0.38
3 19 (67) 803 (49) 0.08
Table 3. Adverse events leading to cessation of treatment amongst patients with schizophrenia and controls
Patients with schizophrenia (n = 25)
Controls (n = 1453)
Depression 1 (4%) 27 (1.8%)
Thrombocytopenia 0 14 (0.96%)
Anaemia 0 13 (0.9%)
Flu like symptoms 0 8 (0.5%)
Thyroid disorders 1 (4%) 2 (0.1%)
Weight loss 0 2 (0.1%)
Leucopenia 0 1 (0.06%)
Others 0 68 (4.6%)
Missing 0 54 (3.7%)
M. Z. Mustafa1, J. Schofield2, P. R. Mills3, M. Priest3, R. Fox3, S. Datta4, J. Morris5, E. H. Forrest1, R. Gillespie1, A. J. Stanley1 and S. T. Barclay1
1Gastrointestinal Unit Glasgow Royal Infirmary, Glasgow, UK; 2NHS Greater Glasgow and Clyde, Glasgow, UK; 3Gartnavel General Hospital, Glasgow, UK; 4Victoria Infirmary, Glasgow, UK; and 5Southern General Hospital, Glasgow, UK
Dr Stephen Barclay, Department of Gastroenterology, Glasgow Royal Infirmary, 84 Castle Street, Glasgow, G4 OSF, UK. E-mail: stephenbarclay@nhs.net
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b:curatedcuratedHasData : false


Authentic advertising campaigns are the next Big thing when targeting millennials, who prefer seeing real people facing situations they could identify with. This strategy is quickly gaining popularity with leading brands in their attempt to reach the everyday consumer, who is more laid-back than previous generations. Italian Jeweler Pomellato, celebrating its 50th anniversary, implemented this tactic and linked their campaign with female empowerment, a movement that is being encouraged through various platforms.
"The pursuit of a deeper more thoughtful humanity is real," said Chris Ramey, president of Affluent Insights, Miami. "Brands are tapping into the zeitgeist of our time to match their target affluent prospect's values." To accompany the new advertising campaign, a hashtag was created #PomellatoForWomen, which summarizes the "powerful, diverse, passionate and proud" statements the brand wants to encourage. "Every luxury marketer has to ask themselves, 'To whom does our best prospect relate?'," Ramey said. "The definition of beauty evolves as does the definition of luxury.
For Pomellato's 2017 campaign, Mr. Lindbergh, known as a master of realism, photographed "real women who speak to real women." The campaign features six women; artist Anh Duong, nutritionist Rosemary Ferguson, brand advisor Helen Nonini, art curator Caroline Corbetta, model and visual artist Larissa Hofmann and writer Pihla Hintikka. Each candid featured the women wearing different signature Pomellato pieces as well as a selection from its latest collection, Ritratto, which in English translates to portrait. "Ensuring authenticity is increasingly important to affluent women; it's how they often define themselves," Ramey concluded.


Harvey & Company initiated and participated in the recapitalization of Axygen Scientific based in Union City, CA. Axygen is a leading designer and manufacturer of proprietary laboratory products serving the drug discovery and in-vitro diagnostic end-markets. The recapitalization allowed the founder CEO to gain liquidity while retaining a significant ownership interest for a "second bite of the apple." Furthermore, by providing capital to fund expanded product development efforts, open new facilities, purchase equipment, and pursue an aggressive acquisition strategy, the transaction has enabled Axygen to enjoy even more rapid growth post transaction. Harvey & Company spearheaded the add-on acquisition campaign, which resulted in the closing of four add-ons: Labnet International in March 2004, Qualitron in August 2004, V-Gene in October 2004, and HTL in February 2005. In September 2006, Axygen Scientific was sold in a recapitalization transaction that generated a significant return for all shareholders. The founder continues in his role as CEO with a significant equity interest following the two very sizeable personal liquidity events described above.


Having trouble putting together a palette? Turn to your grandmother's jewelry box for the ultimate inspiration! The rich tones of amethyst, emerald, sapphire and ruby coordinated by Atlanta event planners Embee Events, made for a unique and gorgeous wedding design. For the bold color pallette, the Atlanta venue Foxhall Resort & Sporting Club provided a picturesque backdrop. These wild yet traditional tones were captured effortlessly by the Atlanta Photographers at KVC Photography to showcase this beautiful fall wedding theme. Thinking of a fall wedding now? We are too!
To begin planning your Atlanta wedding, click here.
To find the perfect barn and farm wedding venue near you, click here.


After meeting with Captain Price in Mission 1: F.N.G., you must do the Ship Training course. You must shoot several training targets while navigating through a cargo ship mockup. First, shoot the two targets in the middle, both with one hit as you pass by (line them up for one shot). Shoot the next target as you walk by, then the one downstairs. Immediately ready a flash grenade and throw it into the next room. Shoot the two targets while moving through the room and again the two targets in the next room. You will now reach the last two targets. Throw a flash grenade in the room and as you do, move out of the cargo ship and towards the ending point. While moving, shoot the two targets through the wall. If you were standing idle until the flash grenade explodes, you will lose 1-2 seconds. Moving and shooting through cover can make all the difference. Also, make sure to get the 3 second bonus for accuracy. Try to be as accurate as possible. This bonus will deduct 3 seconds from your actual time -- which is crucial to beating the time requirement to get the "New Squadron Record" achievement.
Accomplish the indicated achievement to get the corresponding number of Gamerscore points. Note: Enabling cheats will prevent achievements from being earned.


The IFTT Scholarship Program was created to assist students with their education expenses. We selected the University of West Indies for a TT$50,000 grant. Five (5) students received TT$10,000 each for their 2017 academic year.


text:
Q: C# CsvHelper - Missing CsvReader.cs I am using CsvHelper to read a .CSV file into an html table. I am using .NET MVC 4 and CsvReader 2.13.2.0. I have tried different versions of CsvHelper and am still getting the same error on this line:
var csv = new CsvReader(new StreamReader(path));

Error:

I've looked in the CsvHelper folder and there is just a .dll, debug database, and an XML document. Does anybody know why this file does not exist or if I am using a depreciated CsvHelper method or something. Thanks!

A: I know this doesn't directly answer your question but I would look into LinqToCSV (you can find it on Nuget). With it you can use it to serialize a csv file into an object and use linq to iterate over it. It's very easy to use and since it's a package you won't need to worry about the dll management or the code being deprecated. I've used it in the past, I dont remember the exact syntax but loading the file is something like this:
var cc = new CsvContext();
cc.Read<YourModel>(filePath);

That will read the csv file into your C# object. Then you can just use it like any other object.

A: I had the same problem. But I forgot surrounding it with a try-/catch to see the root exception :-). Simple!
try
{
   var csv = new CsvReader(new StreamReader(path));
}
catch (UnauthorizedAccessException e)
{
   //handle it
}
catch (System.Exception e)
{
   //handle it
}

redpajama_set_name: RedPajamaStackExchange


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Stan Lee (born Stanley Martin Lieber, December 28, 1922) is an American comic-book writer, editor, film executive producer, actor and publisher.He was formerly editor-in-chief of Marvel Comics, and later its publisher and chairman before leaving the company to become its chairman emeritus, as well as a member of the editorial board.
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AN ACT	relative to pharmacist administration of vaccines.
Under this bill, a pharmacy intern under the direct supervision of a pharmacist may administer immunizing vaccines.
I. Hold a current license to practice as a pharmacist or be registered as a pharmacy intern under RSA 318:15-b in New Hampshire.
II. Possess at least $1,000,000 of professional liability insurance coverage.
III. In order to administer influenza, pneumococcal, and varicella zoster vaccines, have completed training specific to the administering of the respective vaccines that includes programs approved by the Accreditation Council for Pharmacy Education (ACPE) or curriculum-based programs from an ACPE-accredited college of pharmacy or state or local health department programs or programs recognized by the board.
IV. Provide to the board evidence of compliance with paragraphs I-III.
V. Provide notice to the primary care provider, when designated by the patient, of the administration of the pneumococcal and varicella zoster vaccines.
VI. Maintain a record of administration of pneumococcal and varicella zoster vaccinations for each individual as required by state and federal law.
SB150 Revision: 1634 Date: May 15, 2017, 10:28 a.m.
SB150 Revision: 1635 Date: April 20, 2017, 2:45 p.m.
SB150 Revision: 1636 Date: Jan. 24, 2017, 12:18 p.m.


Feel a weight lift as old unhelpful subconscious negativity leaves you. Negative thinking and thought patterns hinder life's enjoyment. Release negative thoughts and stop unhelpful thought patterns, feel at peace and happier.
Clear subconscious negativity and release negative thoughts and blocks with this guided self hypnosis. Negative thinking and thought patterns are extremely hurtful and hinder life's enjoyment. Clear negative thoughts easily though this guided recording – let go of all your unconscious negative thoughts, old unhelpful thought patterns, and any emotional baggage.
Feel a weight lift as the old subconscious negativity leaves you – see those old negative feelings and thoughts turn to ashes and drift away leaving you feeling at peace, free and comforted. Without the old subconscious negativity you will draw to yourself positive people and experiences and your life will expand in wonderful positive ways.
This recording also takes you to a deep level of relaxation and is designed to allow you to drift off into a deep rejuvenating and healing sleep. The guided self-hypnosis lasts for approximately 30 minutes and then relaxing and soothing background music continues so as you drift deeply asleep. Suitable for listening in the evening as you drift off to sleep. Look forward to waking in the morning, refreshed, feeling positive and looking ahead to a better future.
Affirmations are a powerful way of enhancing positive change and creating the behaviours you want. We recommend repeating affirmations 5-10 times each day for one month. By the end of the month you will have mentally and physically embraced the affirmation so it is an unconscious part of you and you naturally take on its meaning in your actions and thoughts. Below we have included a few affirmations that you might find helpful – or you may choose your own.
We strive to provide the highest quality, fastest acting hypnosis and meditation downloads. All downloads are written and recorded by qualified and experienced Clinical Hypnotherapists.
Always consult your qualified health professional prior to commencing anything that may impact your health, including hypnosis. If under 18years parental consent must be gained. Progressive Hypnosis makes no expressed or implied guarantees of results. As individuals vary, so do results.
All information you provide to us is treated as private and confidential. We respect your privacy.
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